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<v Speaker 1>Yeah, Rip need advice.

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<v Speaker 2>Who you don't have.

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<v Speaker 3>Come running, just as as the can Shooter's gonna help

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<v Speaker 3>come Man Dix.

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<v Speaker 4>Is the Troubleshooter Show Now, Tom Martine, Hi.

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<v Speaker 5>I'm Tom Martino, and I am so happy to be here,

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<v Speaker 5>so happy to be alive. Thank you, thank you, thank

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<v Speaker 5>you for joining me in the festivities on the Troubleshooter Show.

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<v Speaker 5>We have an abbreviated week of sorts, but we'll be

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<v Speaker 5>broadcasting all week with special programming when we're not here.

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<v Speaker 5>But between me and Major Mark Major, we're not gonna

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<v Speaker 5>forsake you at all. We got all kinds of stuff

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<v Speaker 5>going on, and we have it looks like a full studio. Well,

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<v Speaker 5>I say, full let me see what peeps we have there.

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<v Speaker 5>I see Major Mark Major if you're streaming YouTube, but

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<v Speaker 5>we have this up on video of you care if

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<v Speaker 5>you don't, and then I think we have that's Fuller,

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<v Speaker 5>John Fuller, and Hi John, thank you for being here.

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<v Speaker 6>And I see Deputy Bow. Is that Deputy Bow? No,

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<v Speaker 6>Deputy Dollar and Shopper, Shopper.

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<v Speaker 5>I'm sorry for insulting you and calling you bo, just kidding,

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<v Speaker 5>So listen, let's get right. I have Deputy d here,

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<v Speaker 5>of course, Deputy d we're talking about anything on your

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<v Speaker 5>mind this week, of course, And I want to ask

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<v Speaker 5>a question, though, have you ever considered interest balance transfers.

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<v Speaker 5>I've been getting a lot of emails about this, you know,

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<v Speaker 5>and not because of me. I don't think they're targeting

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<v Speaker 5>me because I'm in trouble or anything. But they're saying,

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<v Speaker 5>do you want to transfer your high interest credit cards?

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<v Speaker 7>A lot of that a lot of that time is

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<v Speaker 7>derived from your balance. They'll pull it credit report on

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<v Speaker 7>you or a soft call, and they'll see that you

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<v Speaker 7>have a big balance. You might pay it off every month, right,

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<v Speaker 7>you carry a big balance, so they'll send you those offers.

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<v Speaker 5>And Mark, you and I both know with our businesses

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<v Speaker 5>and your individual card of my individual card, we charge

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<v Speaker 5>the hell out of everything.

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<v Speaker 6>So toward the end of.

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<v Speaker 5>The month, our credit score actually goes down because our

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<v Speaker 5>use of credit is higher, and then once we pay

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<v Speaker 5>it off, our credit jumps up and it does a

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<v Speaker 5>cycle every month.

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<v Speaker 6>Well, in any case, let me get to this.

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<v Speaker 5>So I started looking into, not for me, but the

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<v Speaker 5>concept of credit transfers. First of all, Mark advertises for

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<v Speaker 5>CMG Financial, which does some equity loans and I advertise

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<v Speaker 5>for American Mortgage, which is a great company, and they

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<v Speaker 5>do the smart equity loan, and I'll be talking to

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<v Speaker 5>them soon here, and they advertise and encourage that you

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<v Speaker 5>take a part of your equity and pay off that

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<v Speaker 5>high interest at not so you can just keep it

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<v Speaker 5>on your house for thirty years.

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<v Speaker 6>But so you can pay it off quicker.

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<v Speaker 5>Now, balanced transfers, though, are not a bad idea. I

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<v Speaker 5>happen to look into it, and I found some incredible programs,

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<v Speaker 5>some balanced transfer programs that really work, and through the show,

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<v Speaker 5>I would like to go over some of them. Now,

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<v Speaker 5>I'm not saying you do this instead of an equity loan,

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<v Speaker 5>but you can. I mean, in other words, in some cases,

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<v Speaker 5>you can transfer your high interest credit cards over to

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<v Speaker 5>a credit card that gives you, for example, eighteen months,

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<v Speaker 5>eighteen fricking months with no interest on those balance transfers.

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<v Speaker 5>Now on purchases they get, you know, they don't give

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<v Speaker 5>you much much credit, I mean not much credit.

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<v Speaker 6>They don't give you much of an incentive.

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<v Speaker 5>But what they're hoping to do is that once you

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<v Speaker 5>transfer your balance, you'll be a regular card customer. But man,

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<v Speaker 5>can you take advantage of some of them, and I'll

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<v Speaker 5>be talking about some of them, okay, because they really are.

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<v Speaker 5>I looked high and low and they are really good deals.

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<v Speaker 5>But right now I want to go to the phones

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<v Speaker 5>and again I'll be talking to American Finance about the

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<v Speaker 5>nitty gritty of their smart equity loan. I want to

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<v Speaker 5>get right down to it. But right now we're going

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<v Speaker 5>to talk about a travel issue. This is the travel

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<v Speaker 5>season for many of us in Colorado.

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<v Speaker 6>Doug and Jill.

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<v Speaker 5>Want to talk to me about Avante. I have no

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<v Speaker 5>idea what it's about. So why don't you guys start

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<v Speaker 5>from the beginning and let's hear what's going on Doug

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<v Speaker 5>and Jill.

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<v Speaker 8>Okay, we booked a trouble for our family. There were

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<v Speaker 8>four of us total, and it was to leave on May.

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<v Speaker 8>I believe it was May second, no excuse me, May fourth,

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<v Speaker 8>and my husband came down with a blood clot in

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<v Speaker 8>his leg which made it impossible to travel. It would

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<v Speaker 8>be left to threatening to travel.

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<v Speaker 6>Yeah, we did.

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<v Speaker 8>Not have travelnger instead as on us. We know, but

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<v Speaker 8>we did get two letters from different doctors, including a

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<v Speaker 8>hematologist who said that was not a good idea.

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<v Speaker 9>Out for him.

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<v Speaker 5>Okay, I want to I just want to say this,

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<v Speaker 5>and again I don't mean to shut you down. And

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<v Speaker 5>as I said, this show is designed to help callers

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<v Speaker 5>and those listening. But really and truly, Doug and Jill,

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<v Speaker 5>unless they just wanted to do it out of goodwill,

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<v Speaker 5>they don't care what happened to you. I mean they

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<v Speaker 5>don't care. They don't care if you have six doctors,

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<v Speaker 5>they're not. They don't deny you based on whether or

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<v Speaker 5>not they believe you. They deny you based on the

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<v Speaker 5>fact that it wasn't a protected trip. Now, some trips

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<v Speaker 5>have some built in protections if you cancel by a

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<v Speaker 5>certain date. So what I want to know is I

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<v Speaker 5>want to jump to the to the to the conclusion here.

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<v Speaker 5>I just want to know something. Are they willing to

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<v Speaker 5>do anything?

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<v Speaker 8>The trip was a little over thirty three thousand dollars there.

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<v Speaker 5>Oh my god, thirty three thousand dollars all prepaid.

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<v Speaker 10>Yes, oh oh.

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<v Speaker 6>You're breaking my heart.

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<v Speaker 5>So of that thirty three of that thirty three thousand,

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<v Speaker 5>are there individual elements that may be refundable.

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<v Speaker 8>The only thing they are willing to refund is the

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<v Speaker 8>airfare and how much is that? Well, they want to

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<v Speaker 8>take four thousand dollars. Excuse me, four hundred dollars per ticket.

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<v Speaker 8>There were four tickets, and.

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<v Speaker 5>They want who is they?

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<v Speaker 6>Who's going to refund that? Well?

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<v Speaker 8>Avanty? It was paid four through Avanti. It was booked

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<v Speaker 8>with United and Luftan Luftante. I call them both and

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<v Speaker 8>they have both.

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<v Speaker 6>Who is Avanti? Who is a Vanty Travel? Hold on there?

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<v Speaker 6>Go ahead, Deputy Deed, you look them up.

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<v Speaker 1>Yeah, I'm on their website right now.

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<v Speaker 2>It looks like a travel agency, like a full service

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<v Speaker 2>travel agency.

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<v Speaker 5>Okay and okay, So you booked a family. I want

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<v Speaker 5>people listening to know this because I wanted to ring true.

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<v Speaker 5>They booked through a Vanty Travel to leave May fourth.

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<v Speaker 5>Doug came down with a blood clot in his leg.

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<v Speaker 5>They did not have travel insurance. The cost of the

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<v Speaker 5>trip thirty three thousand dollars.

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<v Speaker 7>Oh my god, can't you swap out your husband for somebody?

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<v Speaker 1>Oh no, I'm.

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<v Speaker 6>Wondering by it.

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<v Speaker 5>By the way, Mark Marcus joking, But I'm I'm no.

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<v Speaker 11>I'm not.

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<v Speaker 6>I'm not joking at all.

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<v Speaker 5>I mean, okay, because Marcus, really it's really a good idea.

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<v Speaker 6>Would you I'm just saying, would you be allowed to

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<v Speaker 6>put another person in his place, or.

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<v Speaker 7>As John Fuller just said, or swap out all four,

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<v Speaker 7>sell the package.

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<v Speaker 5>Or or or just go without him and pay that portion.

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<v Speaker 5>But go with that. And I'm serious about this. If

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<v Speaker 5>we had to talk about mitigating damages, these are all

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<v Speaker 5>pretty uh, I think, useful.

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<v Speaker 2>Good ideas. But we don't know if this trip has

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<v Speaker 2>already taken place or not. Is this May fourth?

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<v Speaker 8>Yeah, it had taken place, Okay, And I was because

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<v Speaker 8>this was this footput thing was a new thing to

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<v Speaker 8>our family. I did not want to leave my tryed.

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<v Speaker 8>I did not know how he would feel. And plus

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<v Speaker 8>it was a family trip and family is quick forward here.

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<v Speaker 5>You no, I get all the reasons. I was just

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<v Speaker 5>trying to mitigate damages. So May fourth has come and gone.

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<v Speaker 6>Yeah, how much?

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<v Speaker 5>How much total was ref How much total was refunded?

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<v Speaker 8>About nine nothing has been refunded yet, nine thousand dollars

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<v Speaker 8>and that was only the airpayer, all the hotels, all

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<v Speaker 8>the the tours, all the transfer twenty.

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<v Speaker 6>Okay, Doug and Jill.

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<v Speaker 5>Let me ask you something, and again I want you

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<v Speaker 5>to set yourself apart.

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<v Speaker 6>What do you think they should do?

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<v Speaker 5>Do you think because your husband had a medical condition

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<v Speaker 5>they should say. You know what, let's cut these people

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<v Speaker 5>some slack. What are you expecting.

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<v Speaker 6>Insurance?

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<v Speaker 7>By the way, I know you hate the term, but

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<v Speaker 7>let me play Devil's advocate real quick. I don't care

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<v Speaker 7>where I book a flight. I don't care where I

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<v Speaker 7>book a hotel. When I go into my Hilton apps,

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<v Speaker 7>I have two options. I can cancel up till the

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<v Speaker 7>day of or whatever money I give them that second

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<v Speaker 7>I never get back. These are decisions we all make

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<v Speaker 7>every time you book travel, and I don't care who

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<v Speaker 7>you book it through.

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<v Speaker 5>Okay, hold on, I got to take a break. I

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<v Speaker 5>want to talk about this, and I want to know

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<v Speaker 5>what people think should be done. I mean, I know

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<v Speaker 5>it's easy to say after the fact, well you should

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<v Speaker 5>have bought insurance. I don't think I've ever bought travel insurance.

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<v Speaker 5>I don't think I ever.

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<v Speaker 7>Needed It's not but Tom, I'm not saying by insurance.

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<v Speaker 7>I'm saying, when you book an air, you get the frontier.

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<v Speaker 7>You can either pay one hundred bucks or one hundred

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<v Speaker 7>and eighty bucks, but you can cancel and rebook at

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<v Speaker 7>any time.

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<v Speaker 5>Okay, more more on this, More on this. What would

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<v Speaker 5>you do?

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<v Speaker 6>What do you.

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<v Speaker 5>Expect on this travel package. Go with a sure thing

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<v Speaker 5>Denver's best roofer Excel Roofing dot com.

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<v Speaker 12>You don't pay a cent until you're content.

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<v Speaker 5>Time for an insurance check up free, no obligation comparison

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<v Speaker 5>call Compass Insurance Paying too much your coverage at dozens

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<v Speaker 5>of insurance companies find out now three O three seven

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<v Speaker 5>to seven to one.

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<v Speaker 6>Help.

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<v Speaker 5>You'll think you're his only customer when you choose Frank

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<v Speaker 5>durand the real estate Man dot com to list your

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<v Speaker 5>home with Remax Alliance three oh three nine two zero

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<v Speaker 5>sixteen twenty two. Hey, I'm Tom Martino, your trouble maker

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<v Speaker 5>for some people, troubleshooter for others. This hour brought to

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<v Speaker 5>bywaterpros dot net. The best water systems at the lowest

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<v Speaker 5>price is bar none.

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<v Speaker 6>We've talked about that. Thirty nine ninety five.

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<v Speaker 5>Get all the crap that forever chemicals out of your

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<v Speaker 5>water and then get drinking water. You know, it's thirty

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<v Speaker 5>nine ninety five for the whole house system, just twelve

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<v Speaker 5>hundred dollars for reverse osmosis.

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<v Speaker 6>If you want to get just that. Hey, what do

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<v Speaker 6>we do about this? What do we do? Hey? Mark?

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<v Speaker 5>Would you expect and John Fuller and anyone in the studio,

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<v Speaker 5>would you expect them to do anything?

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<v Speaker 6>What would you expect them.

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<v Speaker 7>To I'm going to go back to what I said

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<v Speaker 7>last time. If people want those cheap fares, if they

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<v Speaker 7>were to refund those non refundable fares all the time,

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<v Speaker 7>the rest of us wouldn't be able to buy cheap fares.

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<v Speaker 6>They would disappear.

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<v Speaker 5>But so so you're saying they don't really they're not

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<v Speaker 5>own anything and shouldn't expect anything.

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<v Speaker 7>And if they traveled with these people and used them

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<v Speaker 7>all the time, this Avante company, I would say they

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<v Speaker 7>should do something, But I mean that's up to Avante.

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<v Speaker 13>I think it comes down to, you know, the time frames.

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<v Speaker 13>If if the company had eight months to resell the

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<v Speaker 13>spot and they could get them sold to somebody else, maybe,

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<v Speaker 13>but if it's you know, like a monthday before somebody

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<v Speaker 13>or they had no opportunity to get rid of it.

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<v Speaker 5>You know what. I never thought of that, John, You know,

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<v Speaker 5>so Doug, let me ask Doug and Jill when was

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<v Speaker 5>the trip booked?

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<v Speaker 6>When did you actually book it?

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<v Speaker 10>Paid for us?

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<v Speaker 8>I think in March actually, and.

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<v Speaker 5>Then okay, okay, so in March for May. So in

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<v Speaker 5>March when you did it? How long after did you cancel?

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<v Speaker 5>Did you want to cancel?

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<v Speaker 8>It was it wasn't that long before the trip began,

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<v Speaker 8>because that's when we got the information about the blood clotch.

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<v Speaker 5>So we were when when did you when did you

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<v Speaker 5>when did you decide you were not going to go

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<v Speaker 5>on the trip?

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<v Speaker 10>Just give me that day before thirtieth. No, no, it

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<v Speaker 10>was not that much time.

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<v Speaker 11>You know what.

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<v Speaker 5>You can't blame them, you really can. I mean, it

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<v Speaker 5>was like four days.

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<v Speaker 7>Before it would be worth call to the hotel to

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<v Speaker 7>see if they credit Avante because of Avante got some

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<v Speaker 7>of their money back.

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<v Speaker 6>You might have an argument. Yeah, you think about that.

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<v Speaker 13>You're trying to get together some you know, some tickets

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<v Speaker 13>of you know, of re Where are they at? Generally speaking,

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<v Speaker 13>this is what travel insurance is for, you know, it

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<v Speaker 13>really is.

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<v Speaker 5>You know, I hate giving you guys bad news like this,

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<v Speaker 5>but I don't think I think here's what I want

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<v Speaker 5>to know. Any of my deputies recall calling and negotiating

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<v Speaker 5>stuff like this, ever, and maybe I think it's a

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<v Speaker 5>dead issue.

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<v Speaker 6>I don't think they would do anything.

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<v Speaker 5>We could make We theoretically could make a courtesy.

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<v Speaker 7>Quite We dealt with this over COVID on the week

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<v Speaker 7>and not one time, not one time, and that was

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<v Speaker 7>during COVID people were dying. Did people ever get money back?

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<v Speaker 14>Mark?

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<v Speaker 5>Yeah, there were people with insurance that didn't. The insurance

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<v Speaker 5>didn't honor it. I remember, don't you remember? Insurance didn't

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<v Speaker 5>honor COVID. No.

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<v Speaker 7>What the ones that drove me crazy was Hawaii because

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<v Speaker 7>if you flew there, you would have to stay, like

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<v Speaker 7>at the airport or at a hotel that was specified

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<v Speaker 7>for two or three.

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<v Speaker 13>Weeks like quarantine, quarantine before you could even leave.

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<v Speaker 6>So technically they didn't shut it down. But who the

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<v Speaker 6>hell's going to go stay in a hotel for three weeks?

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<v Speaker 5>Yeah, for sure, Doug and Jill, I know you're making

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<v Speaker 5>a last dish effort, but God, take whatever you do.

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<v Speaker 5>Take that, take that refund for the air That nine

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<v Speaker 5>grand is better than nothing. I just can't believe that

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<v Speaker 5>you didn't make an effort. I know it's a family trip,

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<v Speaker 5>you didn't want to go without Doug. But and and

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<v Speaker 5>by the way, just I let you know. I don't

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<v Speaker 5>know how bad this blood clot is, but it is

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<v Speaker 5>a bit of a myth that you can't travel with

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<v Speaker 5>the blood clot there are things you can do. I'm

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<v Speaker 5>not going to get into the medical part of this,

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<v Speaker 5>and I'm not going to dispute it with you, but

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<v Speaker 5>but did your doctor say absolutely no travel?

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<v Speaker 15>Yes?

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<v Speaker 6>Because of what?

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<v Speaker 5>Because of the blood clout itself? How and by the way,

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<v Speaker 5>how are you doing now, Doug? How are you doing now?

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<v Speaker 14>I have another all through sound the end of the

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<v Speaker 14>month to see if the medication is working okay?

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<v Speaker 5>And are they hoping medication is all.

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<v Speaker 6>You're going to need.

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<v Speaker 14>Probably for the rest of my life?

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<v Speaker 6>Hey, where is the blackedge dog? That's what I was

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<v Speaker 6>going to say.

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<v Speaker 13>There's different kinds of clots, and there's some that you

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<v Speaker 13>may be able to travel with and some right, widow maker?

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<v Speaker 9>Is it?

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<v Speaker 6>Where is it?

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<v Speaker 14>Lower left leg?

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<v Speaker 6>And it's not one that's for Wow?

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<v Speaker 5>Oh goodness, gracious, Doug. How did you discover it? I'm curious?

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<v Speaker 5>Did you discover it four days before the trip?

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<v Speaker 11>How?

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<v Speaker 14>I had a discoloration in the lower leg and my

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<v Speaker 14>wife would you better have that look at? And being

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<v Speaker 14>a Vietnam veteran, other stuff has popped up over the years,

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<v Speaker 14>so I thought i'd go in.

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<v Speaker 9>Yeah, yeah, there's.

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00:16:19.600 --> 00:16:22.559
<v Speaker 14>Even some discussion that maybe the eggs and orange was

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<v Speaker 14>the cause of this too.

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<v Speaker 5>Yeah, well, certainly, there's a plethora of possibilities here. I

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<v Speaker 5>don't think I'm just going to ask volunteers. Any of

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<v Speaker 5>my deputies just want to call and see if they

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<v Speaker 5>would make any kind of an adjustment. What about did

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<v Speaker 5>any of them offer you credit for a future trip?

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<v Speaker 8>No, we tried that. We tried rebooking, and they just

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<v Speaker 8>kind of ignored us.

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<v Speaker 5>Well, you know, you do understand four days.

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<v Speaker 6>I mean, you do understand.

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<v Speaker 5>I mean you are asking for something special, right, you

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<v Speaker 5>do understand?

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<v Speaker 9>Right?

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<v Speaker 5>Oh?

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<v Speaker 8>Then, and I do expect a penalty, just not that

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<v Speaker 8>large of a penalty. We would have probably settled for,

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<v Speaker 8>you know, half of that amount.

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<v Speaker 5>But may I ask why you didn't buy travel insurance?

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00:17:13.079 --> 00:17:13.400
<v Speaker 6>Why?

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<v Speaker 15>Because we have traveled.

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<v Speaker 8>All over Europe and South America everything, and I have

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<v Speaker 8>never had travel insurance. This time we needed it, of.

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<v Speaker 5>Course, And what would have cost, by the way, what

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<v Speaker 5>would have cost you in this case?

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00:17:29.839 --> 00:17:32.279
<v Speaker 8>You know, I didn't even look into it. I don't know, okay,

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<v Speaker 8>look into it. But let me just say this. We

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<v Speaker 8>have traveled in the past with Rick Steves, an amazing company.

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<v Speaker 8>He when COVID came and we had to cancel a trip,

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<v Speaker 8>we had the refund in less than a week.

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<v Speaker 6>He Costco's the same way. Costco's great.

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<v Speaker 8>Yeah so, I mean we have been burned and guess what,

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<v Speaker 8>we won't ever you.

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<v Speaker 15>Again.

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<v Speaker 5>Are you kidding? I would never blame them for this.

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<v Speaker 5>I mean I don't know how you can possibly hold

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<v Speaker 5>this against them.

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00:18:03.799 --> 00:18:08.599
<v Speaker 6>I mean now when you say Costco mark without insurance, yeah,

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<v Speaker 6>so ours.

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<v Speaker 7>We had three weeks in Hawaii book like in twenty

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<v Speaker 7>one and they gave us every pennyback, airfare, hotel, everything.

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<v Speaker 6>I didn't buy insurance. I never buy insurance.

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<v Speaker 5>All right, thank you, Doug and Jill. I'm really sorry, Christine.

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<v Speaker 5>What if you can sum this up in a sentence.

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<v Speaker 5>We're going to take your problem that you have an

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00:18:30.960 --> 00:18:34.319
<v Speaker 5>seven Kia sorrento. Is it with the purchase of the car,

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00:18:34.680 --> 00:18:37.240
<v Speaker 5>or service with the car or some other issue?

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00:18:37.240 --> 00:18:37.759
<v Speaker 6>What is it?

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00:18:38.519 --> 00:18:41.200
<v Speaker 3>It's the service at the Kia dealership.

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<v Speaker 5>Okay, We're going to talk about the service at this

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<v Speaker 5>Kia dealership and also talk about your problems, questions and complaints.

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<v Speaker 6>Call us right now.

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<v Speaker 5>You can get right in and get in before the

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<v Speaker 5>long weekend, so you don't have those things festering on

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<v Speaker 5>your plate. Three Martino, go with a sure thing Denver's

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00:19:08.799 --> 00:19:11.079
<v Speaker 5>best roofer Excel Roofing dot com.

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00:19:11.119 --> 00:19:13.119
<v Speaker 12>You don't pay a cent until you're content.

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00:19:16.519 --> 00:19:19.680
<v Speaker 5>Time for an insurance check up free, no obligation comparison

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00:19:19.839 --> 00:19:23.400
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

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00:19:23.400 --> 00:19:26.119
<v Speaker 5>of insurance companies find out now three oh three seven

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00:19:26.160 --> 00:19:28.480
<v Speaker 5>to seven to one help. You'll think you're his only

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00:19:28.599 --> 00:19:31.039
<v Speaker 5>customer when you choose Frank durand the real estate Man

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00:19:31.079 --> 00:19:34.480
<v Speaker 5>dot com to list your home with Remax Alliance three

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<v Speaker 5>oh three nine two zero sixteen twenty two. I'm Tom Martino,

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<v Speaker 5>your trouble shooter, and we're taking your calls and your

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00:19:46.680 --> 00:19:50.160
<v Speaker 5>problems and your questions or complays. Christine has an issue

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<v Speaker 5>with a two thousand and seven Kia Sorrento.

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<v Speaker 6>So Christine, what's going on with you?

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00:19:55.799 --> 00:19:55.880
<v Speaker 5>So?

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<v Speaker 3>I've been trying to get my car service at a dealership.

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00:19:59.160 --> 00:20:01.440
<v Speaker 5>The now when you they trying to get a service,

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<v Speaker 5>explain to me is this the place you bought it

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<v Speaker 5>or just somewhere you went for service.

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00:20:07.319 --> 00:20:09.960
<v Speaker 3>It's just somewhere I went to service. Because they actually

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00:20:10.279 --> 00:20:11.880
<v Speaker 3>took my warranty. I was on the car.

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00:20:12.799 --> 00:20:14.319
<v Speaker 6>And what kind of warranty do you have?

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00:20:15.279 --> 00:20:18.039
<v Speaker 3>It's an alpha alpha.

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00:20:18.559 --> 00:20:20.839
<v Speaker 6>Just just one that you bought when you bought the car.

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00:20:21.640 --> 00:20:22.759
<v Speaker 3>Yes, yes, I just bought it.

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00:20:22.839 --> 00:20:24.160
<v Speaker 15>Okay, a year ago.

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00:20:24.640 --> 00:20:27.000
<v Speaker 6>I got it. So anyway, what happened?

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00:20:28.240 --> 00:20:31.680
<v Speaker 3>So I'd like to take my car dealerships. I thought

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00:20:31.680 --> 00:20:34.279
<v Speaker 3>I could trust them. This has been an ongoing situation

403
00:20:34.359 --> 00:20:35.160
<v Speaker 3>since November.

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00:20:35.839 --> 00:20:38.640
<v Speaker 5>Okay, so start start in the beginning. I want to

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00:20:38.680 --> 00:20:41.160
<v Speaker 5>know when the problem started. What's the name of the dealer?

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00:20:43.319 --> 00:20:44.000
<v Speaker 3>Amkia?

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00:20:45.319 --> 00:20:52.680
<v Speaker 5>Okay, yeah, okay, Emmic Is that on Colorado on Colorado Boulevard? Yes, yes, okay,

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00:20:52.920 --> 00:20:54.799
<v Speaker 5>So what happened? You went in November?

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00:20:54.839 --> 00:20:57.759
<v Speaker 3>For what I was hearing a noise and on the

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00:20:57.799 --> 00:20:59.759
<v Speaker 3>back of my car, and also a stump from when

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00:20:59.759 --> 00:21:01.480
<v Speaker 3>I was coming to a stop and when I would

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<v Speaker 3>start accelerating.

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<v Speaker 6>Okay, and then what happened?

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<v Speaker 3>Figure out?

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00:21:06.599 --> 00:21:07.400
<v Speaker 11>They uh.

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<v Speaker 3>Diagnosed it. They said it was a steering pump, my

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00:21:11.480 --> 00:21:15.279
<v Speaker 3>steering staring pump that was going out and I didn't

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00:21:15.480 --> 00:21:17.920
<v Speaker 3>didn't sound right. But I'm not a mechanic, so I

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00:21:18.000 --> 00:21:23.759
<v Speaker 3>wasn't sure. I left there. And also the day I

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00:21:23.839 --> 00:21:25.920
<v Speaker 3>left there, my a C wasn't working.

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<v Speaker 5>Credible, How long did they How long did they have

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00:21:28.359 --> 00:21:28.799
<v Speaker 5>your car?

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<v Speaker 6>Christine?

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<v Speaker 3>For the entire day? I dropped it off in the morning,

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<v Speaker 3>about nine o'clock in the morning.

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<v Speaker 6>They came and when was this? How long ago? Was this?

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00:21:37.319 --> 00:21:38.000
<v Speaker 6>How long ago?

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00:21:38.720 --> 00:21:39.400
<v Speaker 3>In November?

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00:21:40.200 --> 00:21:43.279
<v Speaker 5>Okay, so there's a lot of time since November. What's

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00:21:43.319 --> 00:21:43.920
<v Speaker 5>been happening.

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<v Speaker 3>Yes, I've been bringing my car back repeatedly because when

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00:21:47.480 --> 00:21:49.000
<v Speaker 3>I got my car back the first time, my A

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00:21:49.119 --> 00:21:51.279
<v Speaker 3>C was not working after they had serviced it, and

434
00:21:51.400 --> 00:21:54.160
<v Speaker 3>I was I went back and spoke to them to

435
00:21:54.200 --> 00:21:57.519
<v Speaker 3>see what had happened because it was learning perfectly. She

436
00:21:57.640 --> 00:22:01.000
<v Speaker 3>stated that they had they weren't near any of the

437
00:22:01.039 --> 00:22:03.559
<v Speaker 3>A C components and I had to disagree.

438
00:22:03.880 --> 00:22:05.799
<v Speaker 5>So this is a whole this is oh wait, wait,

439
00:22:05.960 --> 00:22:10.000
<v Speaker 5>so the November problems were one thing and then you

440
00:22:10.079 --> 00:22:14.000
<v Speaker 5>took it back. When let's talk about timeline. Was it

441
00:22:14.119 --> 00:22:16.880
<v Speaker 5>last year or was it just a little while ago.

442
00:22:16.720 --> 00:22:17.279
<v Speaker 6>Or when.

443
00:22:19.079 --> 00:22:21.599
<v Speaker 3>This was? And uh so I'm just trying to think

444
00:22:21.599 --> 00:22:22.799
<v Speaker 3>of dates.

445
00:22:23.400 --> 00:22:25.119
<v Speaker 6>Just no, I don't need exact days, but.

446
00:22:27.160 --> 00:22:27.799
<v Speaker 3>Yeah, it was, it was.

447
00:22:27.839 --> 00:22:28.920
<v Speaker 6>But they're not connected.

448
00:22:29.279 --> 00:22:32.960
<v Speaker 5>What I'm what I'm hearing is they're not connected November,

449
00:22:33.000 --> 00:22:35.960
<v Speaker 5>and then you said March. So you took it back

450
00:22:35.960 --> 00:22:38.519
<v Speaker 5>in March. What was the problem in March?

451
00:22:39.759 --> 00:22:42.319
<v Speaker 3>Well, I was I wanted them to address the a

452
00:22:42.480 --> 00:22:44.960
<v Speaker 3>C because I was there. Said that they're going to

453
00:22:45.079 --> 00:22:47.039
<v Speaker 3>order a compressor for the parts.

454
00:22:47.039 --> 00:22:49.680
<v Speaker 10>That's why it took a book from Okay, gotcha.

455
00:22:50.240 --> 00:22:52.880
<v Speaker 5>So the a C wasn't working right in March, you

456
00:22:52.960 --> 00:22:55.319
<v Speaker 5>took it in And where do we stand today?

457
00:22:56.599 --> 00:22:59.119
<v Speaker 3>The AC is still not working correctly and my and

458
00:22:59.319 --> 00:23:00.519
<v Speaker 3>then I still have that noise.

459
00:23:00.839 --> 00:23:01.440
<v Speaker 9>I've been going back.

460
00:23:01.480 --> 00:23:05.000
<v Speaker 6>How much did you pay? How much did you pay?

461
00:23:06.240 --> 00:23:09.319
<v Speaker 3>Well, the last trip I took up there, I just

462
00:23:09.400 --> 00:23:10.920
<v Speaker 3>having to pay the four hundred dollars for the free

463
00:23:10.960 --> 00:23:12.640
<v Speaker 3>on because they had taken all the free on out

464
00:23:12.680 --> 00:23:16.359
<v Speaker 3>of my car for the last trip. They they when

465
00:23:16.359 --> 00:23:17.920
<v Speaker 3>I went to go pick it up, they said that

466
00:23:18.000 --> 00:23:21.640
<v Speaker 3>my car they replaced an ambience sensor and my car

467
00:23:21.799 --> 00:23:25.920
<v Speaker 3>was the AC was in running, running condition, And I said,

468
00:23:25.640 --> 00:23:28.200
<v Speaker 3>it's actually working. He says, yeah, I go out to

469
00:23:28.240 --> 00:23:31.200
<v Speaker 3>my car. Wasn't. It wasn't. My AC wasn't working at all.

470
00:23:32.200 --> 00:23:37.440
<v Speaker 5>So so really so from March until now, they haven't fixed.

471
00:23:38.000 --> 00:23:39.640
<v Speaker 6>They haven't yet fixed. How much.

472
00:23:42.000 --> 00:23:45.680
<v Speaker 5>She said, I think how he's asking how much money

473
00:23:46.039 --> 00:23:49.759
<v Speaker 5>so far have you paid Emmic for that AC problem?

474
00:23:50.240 --> 00:23:50.440
<v Speaker 6>Well?

475
00:23:50.720 --> 00:23:52.640
<v Speaker 3>I was just it was a four hundred for the

476
00:23:52.680 --> 00:23:55.079
<v Speaker 3>free on to a different place, because it's been it

477
00:23:55.119 --> 00:23:57.119
<v Speaker 3>was covered by the warranty, and that's why I wasn't

478
00:23:57.119 --> 00:23:58.400
<v Speaker 3>able to go somewhere else because.

479
00:23:58.200 --> 00:24:02.960
<v Speaker 5>I understand did EMMIC do in March when you took

480
00:24:03.000 --> 00:24:05.519
<v Speaker 5>it back to Emmett for your AC not working?

481
00:24:06.079 --> 00:24:08.480
<v Speaker 6>Did they get it working?

482
00:24:09.440 --> 00:24:11.200
<v Speaker 3>No? They have yet to get it working.

483
00:24:12.160 --> 00:24:17.519
<v Speaker 5>Okay, but you haven't been charged either because of your warranty.

484
00:24:17.559 --> 00:24:18.440
<v Speaker 16>Correct.

485
00:24:18.759 --> 00:24:21.599
<v Speaker 5>Okay, So now where does it stand today?

486
00:24:21.680 --> 00:24:22.880
<v Speaker 6>Where is your car today?

487
00:24:23.960 --> 00:24:26.160
<v Speaker 3>Well, it's this AC still not functioning correctly.

488
00:24:26.200 --> 00:24:30.240
<v Speaker 5>And I still have you ever thought, Christine, have you

489
00:24:30.240 --> 00:24:32.960
<v Speaker 5>ever thought of just taking it somewhere else? Since you

490
00:24:33.000 --> 00:24:35.039
<v Speaker 5>don't have a lot of money in it with them,

491
00:24:35.480 --> 00:24:36.920
<v Speaker 5>just take it to another place?

492
00:24:37.240 --> 00:24:40.200
<v Speaker 6>Have you ever thought about that? Like, like we have a.

493
00:24:40.160 --> 00:24:43.640
<v Speaker 5>Great a great place you could go to start shared

494
00:24:43.720 --> 00:24:46.680
<v Speaker 5>in auto tech, great people. Have you ever thought of

495
00:24:46.799 --> 00:24:49.359
<v Speaker 5>just going somewhere else and at least getting a fresh

496
00:24:49.440 --> 00:24:50.400
<v Speaker 5>set of eyes on it?

497
00:24:51.559 --> 00:24:53.839
<v Speaker 3>Actually I have. I went to two different firestones on

498
00:24:53.920 --> 00:24:58.400
<v Speaker 3>What's Midas and they said that two of them didn't

499
00:24:58.400 --> 00:25:01.200
<v Speaker 3>have the pool because they said the because the noise

500
00:25:01.240 --> 00:25:04.200
<v Speaker 3>happened to be a willbearing, and so they said that

501
00:25:04.200 --> 00:25:05.759
<v Speaker 3>they didn't have the tool to be able to press

502
00:25:05.799 --> 00:25:09.200
<v Speaker 3>it on there. And then the last firestorm, I went to,

503
00:25:09.319 --> 00:25:11.480
<v Speaker 3>this is no, it's no willbaring, it's differential, and I

504
00:25:11.519 --> 00:25:13.160
<v Speaker 3>felt like I was a square one. So that's why

505
00:25:13.160 --> 00:25:14.440
<v Speaker 3>I went back to Christine.

506
00:25:14.799 --> 00:25:18.559
<v Speaker 5>Christine, but we're still talking about the AC and all

507
00:25:18.599 --> 00:25:23.039
<v Speaker 5>these problems here. It's a very simple question. But you

508
00:25:23.079 --> 00:25:26.119
<v Speaker 5>did take it to some other places? Did they actually

509
00:25:26.240 --> 00:25:30.319
<v Speaker 5>have your car in and give you an opinion? Yes,

510
00:25:31.359 --> 00:25:34.440
<v Speaker 5>What did they say right now about your AC? The

511
00:25:34.519 --> 00:25:37.359
<v Speaker 5>other places? What did they say was wrong with it?

512
00:25:37.400 --> 00:25:40.240
<v Speaker 3>They said that the wiring, the wine was all looked good,

513
00:25:40.240 --> 00:25:42.519
<v Speaker 3>but they said that clutch wasn't engaging as it should be.

514
00:25:43.400 --> 00:25:47.400
<v Speaker 5>Okay, I would suggest, truly that you take it to

515
00:25:47.480 --> 00:25:51.119
<v Speaker 5>Sheridan Auto Tech. They can do a free diagnostic up

516
00:25:51.160 --> 00:25:52.039
<v Speaker 5>to a certain.

517
00:25:51.759 --> 00:25:58.200
<v Speaker 6>Point, not with AC. Okay, not with AC. So they

518
00:25:58.240 --> 00:26:00.119
<v Speaker 6>can't give it an eyeball and give a you know,

519
00:26:00.240 --> 00:26:01.960
<v Speaker 6>they're going to have to do a leak down test.

520
00:26:02.000 --> 00:26:05.039
<v Speaker 6>It's going to for whatever the free on plus AI. Okay,

521
00:26:05.039 --> 00:26:05.599
<v Speaker 6>it doesn't work.

522
00:26:05.680 --> 00:26:08.920
<v Speaker 7>Find out, let'st find out I have a different Chevy

523
00:26:08.920 --> 00:26:11.480
<v Speaker 7>deal or whatever it is. I mean, if it can't

524
00:26:11.519 --> 00:26:15.279
<v Speaker 7>fix a damn compressit, per keia. I mean, if they

525
00:26:15.279 --> 00:26:17.039
<v Speaker 7>can't fix it, bring it to a different dealer.

526
00:26:18.039 --> 00:26:20.319
<v Speaker 3>Well, yeah, I've also had I've also had the leak

527
00:26:20.440 --> 00:26:22.359
<v Speaker 3>tested two different times and there is no leak in

528
00:26:22.359 --> 00:26:23.440
<v Speaker 3>the and.

529
00:26:23.279 --> 00:26:25.720
<v Speaker 7>Then it's probably the compressor is not working, meaning the

530
00:26:25.759 --> 00:26:26.880
<v Speaker 7>clutch isn't engaging.

531
00:26:27.799 --> 00:26:30.079
<v Speaker 5>And that's what I think, That's what I think she said.

532
00:26:30.079 --> 00:26:33.200
<v Speaker 5>But she just can't get someone to fix it. Listen, Christine,

533
00:26:33.240 --> 00:26:36.599
<v Speaker 5>i'd and stop where you are. Okay, when you have

534
00:26:36.720 --> 00:26:40.200
<v Speaker 5>this many problems and delays and you don't want don't

535
00:26:40.279 --> 00:26:42.759
<v Speaker 5>keep going back to the same people. I tell this

536
00:26:42.839 --> 00:26:46.039
<v Speaker 5>to people all the time. Don't keep going back. Now,

537
00:26:46.079 --> 00:26:48.920
<v Speaker 5>some people have money invested and they figure I want

538
00:26:48.920 --> 00:26:51.319
<v Speaker 5>to get my money's worth, so they go back. I

539
00:26:51.440 --> 00:26:55.759
<v Speaker 5>understand that to a degree. But also though you can

540
00:26:55.799 --> 00:26:57.160
<v Speaker 5>go somewhere else and.

541
00:26:57.240 --> 00:26:59.480
<v Speaker 6>If rapa ho keya, they're right off for wrap a.

542
00:26:59.480 --> 00:27:02.000
<v Speaker 7>Ho and we don't get many complaints. I'm not saying

543
00:27:02.039 --> 00:27:04.039
<v Speaker 7>they're golden, but I mean we don't get a lot.

544
00:27:05.000 --> 00:27:08.039
<v Speaker 5>A wrap Okia would be a good alternative. Mark, I

545
00:27:08.119 --> 00:27:10.839
<v Speaker 5>was going to say that once in a while we

546
00:27:10.880 --> 00:27:13.960
<v Speaker 5>get some complaints about the sales process, but never about

547
00:27:13.960 --> 00:27:14.640
<v Speaker 5>their service.

548
00:27:15.079 --> 00:27:16.720
<v Speaker 6>Christine, That's really.

549
00:27:16.440 --> 00:27:19.079
<v Speaker 5>What we would recommend right now, rather than just trying to,

550
00:27:19.519 --> 00:27:20.680
<v Speaker 5>you know, beat up on.

551
00:27:20.680 --> 00:27:22.440
<v Speaker 6>This dealer and say why aren't you doing this? Why

552
00:27:22.480 --> 00:27:23.119
<v Speaker 6>aren't you doing that?

553
00:27:23.400 --> 00:27:26.119
<v Speaker 5>Sometimes it just comes down to a matter of competence.

554
00:27:26.559 --> 00:27:30.720
<v Speaker 5>Just go somewhere where they can get you fixed up, and.

555
00:27:31.079 --> 00:27:33.279
<v Speaker 6>It just comes go ahead.

556
00:27:33.319 --> 00:27:34.720
<v Speaker 3>I just want my money back. I just want my

557
00:27:34.759 --> 00:27:36.960
<v Speaker 3>money back for the for the free on that they

558
00:27:36.960 --> 00:27:38.319
<v Speaker 3>took out of my car that I had to go.

559
00:27:39.599 --> 00:27:40.480
<v Speaker 6>Can you do that?

560
00:27:41.079 --> 00:27:43.000
<v Speaker 5>You're not going to get You're not going to get

561
00:27:43.000 --> 00:27:45.480
<v Speaker 5>your money back for that, the fact that they tried

562
00:27:45.519 --> 00:27:47.599
<v Speaker 5>to fix it and you need to charge your free on.

563
00:27:47.920 --> 00:27:50.720
<v Speaker 5>They're not going to pay for that. I really don't think.

564
00:27:50.880 --> 00:27:52.640
<v Speaker 5>How did you pay for your free on? Did you

565
00:27:52.680 --> 00:27:53.720
<v Speaker 5>do it on a credit card?

566
00:27:54.400 --> 00:27:54.599
<v Speaker 6>Yes?

567
00:27:55.519 --> 00:27:59.839
<v Speaker 5>You may want to, you may want to. Uh, did

568
00:27:59.839 --> 00:28:01.160
<v Speaker 5>you you.

569
00:28:01.079 --> 00:28:03.200
<v Speaker 7>Paid them though? Right there at the counter right they

570
00:28:03.200 --> 00:28:06.599
<v Speaker 7>put it in read the chip. Yeah, you're gonna have

571
00:28:06.640 --> 00:28:10.759
<v Speaker 7>a hell of a time getting that back. Really, why, Mark, Well,

572
00:28:10.799 --> 00:28:13.640
<v Speaker 7>because she was there, she presented the card and the

573
00:28:13.640 --> 00:28:14.640
<v Speaker 7>proof she presented.

574
00:28:14.720 --> 00:28:16.000
<v Speaker 6>It is right there in the chip.

575
00:28:16.480 --> 00:28:19.119
<v Speaker 2>But I think the basis for the the basis for

576
00:28:19.200 --> 00:28:19.960
<v Speaker 2>the credit.

577
00:28:19.759 --> 00:28:22.079
<v Speaker 6>I got it. I'll give you a hundred. I'll give

578
00:28:22.079 --> 00:28:24.200
<v Speaker 6>you a hundred. But hold on these.

579
00:28:25.039 --> 00:28:27.359
<v Speaker 5>You can still do a credit card dispute for bad

580
00:28:27.440 --> 00:28:30.680
<v Speaker 5>service after the fact, even though I mean, you know

581
00:28:30.799 --> 00:28:32.240
<v Speaker 5>they will charge.

582
00:28:32.039 --> 00:28:35.200
<v Speaker 7>Back that they fearanty issue, then, I mean they might.

583
00:28:35.279 --> 00:28:37.799
<v Speaker 7>I only paid it for ten years. In the automotive business,

584
00:28:38.079 --> 00:28:41.279
<v Speaker 7>I understand hundreds of disputes and if the card went through,

585
00:28:41.640 --> 00:28:42.680
<v Speaker 7>the card went through.

586
00:28:42.960 --> 00:28:44.680
<v Speaker 6>Yeah, but but but that's not true at all.

587
00:28:44.759 --> 00:28:47.559
<v Speaker 5>When a charge goes through, it doesn't mean that you're

588
00:28:47.759 --> 00:28:50.079
<v Speaker 5>you have no dispute rights.

589
00:28:50.559 --> 00:28:53.720
<v Speaker 7>I mean, credit card company is there for basically fraud

590
00:28:54.119 --> 00:28:57.200
<v Speaker 7>for the most part. I'm not saying that's right, that's

591
00:28:57.279 --> 00:29:01.000
<v Speaker 7>what they're there for. That's not fraud. She that's a warranty.

592
00:29:01.160 --> 00:29:04.960
<v Speaker 5>What about mark? What about poor service? I thought that

593
00:29:05.119 --> 00:29:07.759
<v Speaker 5>if you didn't get what you paid for, not fraud,

594
00:29:08.000 --> 00:29:10.720
<v Speaker 5>but just poor service, like it was, the repair wasn't

595
00:29:10.759 --> 00:29:11.440
<v Speaker 5>done properly.

596
00:29:11.680 --> 00:29:12.920
<v Speaker 6>Don't you think that would work?

597
00:29:12.960 --> 00:29:15.599
<v Speaker 7>And half the restaurants II at I would freaking get

598
00:29:15.640 --> 00:29:16.640
<v Speaker 7>free views anyway.

599
00:29:16.960 --> 00:29:20.599
<v Speaker 5>By the way, Dan McKenzie McKenzie Law for wills and

600
00:29:20.680 --> 00:29:25.359
<v Speaker 5>facing probate, avoiding probate, doing LLCs for your estate to

601
00:29:25.799 --> 00:29:27.160
<v Speaker 5>bypass probate.

602
00:29:27.319 --> 00:29:27.880
<v Speaker 6>He has so.

603
00:29:27.960 --> 00:29:31.119
<v Speaker 5>Many ingenious ways of doing things, including, of course, your

604
00:29:31.160 --> 00:29:34.839
<v Speaker 5>conventional trusts. You can trust McKenzie. Give him a call

605
00:29:34.880 --> 00:29:39.200
<v Speaker 5>for a consultation. He's a one man shop with many assistants.

606
00:29:39.480 --> 00:29:43.279
<v Speaker 5>Why do I say that because he personally attends to

607
00:29:43.359 --> 00:29:46.240
<v Speaker 5>your estate and your estate plan eight three to three

608
00:29:46.799 --> 00:29:55.240
<v Speaker 5>COO plans eight three three co plans. Go with a

609
00:29:55.279 --> 00:29:58.839
<v Speaker 5>sure thing Denver's best roofer Excel Roofing dot com. You

610
00:29:58.839 --> 00:30:04.640
<v Speaker 5>don't pay a cent on You're content. Time for an

611
00:30:04.640 --> 00:30:08.279
<v Speaker 5>insurance check up free, no obligation. In comparison, call Compass

612
00:30:08.319 --> 00:30:11.599
<v Speaker 5>Insurance paying too much your coverage at dozens of insurance

613
00:30:11.599 --> 00:30:14.079
<v Speaker 5>companies find out now three oh three seven to seven

614
00:30:14.119 --> 00:30:16.880
<v Speaker 5>to one help. You'll think you're his only customer when

615
00:30:16.920 --> 00:30:19.400
<v Speaker 5>you choose Frank durand the real estate Man dot com

616
00:30:19.400 --> 00:30:22.519
<v Speaker 5>to list your home with Remax Alliance three oh three

617
00:30:22.599 --> 00:30:27.440
<v Speaker 5>nine two zero sixteen twenty two. I'm Tom Martino, Okay,

618
00:30:27.559 --> 00:30:30.599
<v Speaker 5>three oh three seven to one three talk, but I

619
00:30:30.640 --> 00:30:32.799
<v Speaker 5>want to emphasize three oh three Martino that you can

620
00:30:32.799 --> 00:30:35.920
<v Speaker 5>call twenty four to seven and leave a message and

621
00:30:35.960 --> 00:30:39.960
<v Speaker 5>then we get you hooked up for the next show.

622
00:30:40.240 --> 00:30:41.519
<v Speaker 5>If you want to come on the air and tell

623
00:30:41.519 --> 00:30:44.640
<v Speaker 5>your story. Tim wants to tell a story about travel Man.

624
00:30:44.720 --> 00:30:48.519
<v Speaker 5>There's you know, travel season you can tell. So, Tim,

625
00:30:49.000 --> 00:30:51.400
<v Speaker 5>what's happening? I'm Tom, what's going on with you?

626
00:30:54.839 --> 00:31:00.000
<v Speaker 11>Before? I wow? American Savings Network? I want to a

627
00:31:00.079 --> 00:31:03.839
<v Speaker 11>presentation with my lady and that le at the at

628
00:31:03.880 --> 00:31:07.839
<v Speaker 11>the MBSs weeks and COLO was great and uh I

629
00:31:07.920 --> 00:31:11.759
<v Speaker 11>bought into this? Uh time or not time to travel?

630
00:31:12.599 --> 00:31:15.799
<v Speaker 6>Yeah? Yeah, yeah, no it I know what you mean.

631
00:31:16.079 --> 00:31:18.599
<v Speaker 5>There's all kinds of these networks that are supposed to

632
00:31:18.599 --> 00:31:22.720
<v Speaker 5>be a concierge service and save you money. And do

633
00:31:22.799 --> 00:31:25.519
<v Speaker 5>you buy points? How did you join? What was the

634
00:31:25.599 --> 00:31:29.279
<v Speaker 5>nature of membership? Tell me that first, Tim.

635
00:31:29.000 --> 00:31:32.640
<v Speaker 11>The nature membership was this sounded public because it sounded

636
00:31:32.680 --> 00:31:34.000
<v Speaker 11>too good to be true when I was stipping.

637
00:31:34.559 --> 00:31:36.319
<v Speaker 6>But how much did you have to pay?

638
00:31:36.519 --> 00:31:37.079
<v Speaker 1>Seventy nine?

639
00:31:38.839 --> 00:31:40.599
<v Speaker 6>Let's get a lot?

640
00:31:41.359 --> 00:31:44.519
<v Speaker 2>Yeah, timas the return Tim is the return caller.

641
00:31:44.559 --> 00:31:45.880
<v Speaker 1>We've been dealing with this.

642
00:31:45.880 --> 00:31:49.240
<v Speaker 2>This is from moments of Adventure and American Savings that were.

643
00:31:49.240 --> 00:31:51.720
<v Speaker 5>Now wait a minute, wait a minute, So you called

644
00:31:51.720 --> 00:31:55.480
<v Speaker 5>before you called before Tim?

645
00:31:55.839 --> 00:31:58.279
<v Speaker 11>Yes, I did, and I one update you.

646
00:31:59.079 --> 00:32:01.920
<v Speaker 5>Okay, great, let me find your call and thank you

647
00:32:02.359 --> 00:32:07.559
<v Speaker 5>Dimitri for having such a spectacular memory. Okay, So go

648
00:32:07.559 --> 00:32:09.559
<v Speaker 5>go with your story, brother, I'm listening.

649
00:32:10.839 --> 00:32:15.559
<v Speaker 11>Okay. I contacted Brad England from America Saving Network and

650
00:32:15.759 --> 00:32:20.240
<v Speaker 11>UH got his member and uh and basically he wanted

651
00:32:20.240 --> 00:32:22.519
<v Speaker 11>to work with me as well as keep me in

652
00:32:22.599 --> 00:32:24.519
<v Speaker 11>the you know, in the thing there or keeping me

653
00:32:24.559 --> 00:32:25.000
<v Speaker 11>in the plan.

654
00:32:25.119 --> 00:32:27.720
<v Speaker 6>And I said, what is this club slarios that one?

655
00:32:27.799 --> 00:32:27.960
<v Speaker 5>No?

656
00:32:27.960 --> 00:32:29.440
<v Speaker 6>No, never mind, okay, keep going.

657
00:32:29.920 --> 00:32:37.000
<v Speaker 5>So Moments of Adventure okay, okay, so he wanted to

658
00:32:37.119 --> 00:32:37.519
<v Speaker 5>keep you.

659
00:32:37.680 --> 00:32:38.799
<v Speaker 6>What did he do anything?

660
00:32:40.200 --> 00:32:41.960
<v Speaker 11>Well? He turned around, he told me, because you know,

661
00:32:42.039 --> 00:32:43.720
<v Speaker 11>I think I wanted to go on vacations and this

662
00:32:43.960 --> 00:32:49.000
<v Speaker 11>I found this call. I want my money back their companies.

663
00:32:49.359 --> 00:32:49.839
<v Speaker 6>Okay.

664
00:32:50.039 --> 00:32:54.799
<v Speaker 5>So so this guy Brad is the contact that Deputy

665
00:32:54.839 --> 00:32:58.079
<v Speaker 5>de contacted Brad Aglin when you contacted him.

666
00:32:58.680 --> 00:33:00.559
<v Speaker 6>What did they say they were going to do for him?

667
00:33:00.880 --> 00:33:01.200
<v Speaker 1>Nothing?

668
00:33:01.279 --> 00:33:05.720
<v Speaker 2>Neither neither Moments or Adventure nor American Savings Network ever

669
00:33:05.880 --> 00:33:09.519
<v Speaker 2>responded to me. But because I see Tim on all

670
00:33:09.559 --> 00:33:12.599
<v Speaker 2>of my emails to them, which were at least three,

671
00:33:12.680 --> 00:33:15.799
<v Speaker 2>I would say, they got to hold this. Brad character

672
00:33:15.960 --> 00:33:18.559
<v Speaker 2>got a hold of Tim what about a couple of

673
00:33:18.559 --> 00:33:21.519
<v Speaker 2>weeks ago, and told him he'll work with Tim. And

674
00:33:21.559 --> 00:33:25.000
<v Speaker 2>it sounds like Brad's been trying to sell Tim something else?

675
00:33:25.079 --> 00:33:25.839
<v Speaker 1>Is that right? Tim?

676
00:33:25.880 --> 00:33:28.519
<v Speaker 6>So Tim, what is the bottom line here? What are

677
00:33:28.519 --> 00:33:29.200
<v Speaker 6>they doing.

678
00:33:30.480 --> 00:33:32.680
<v Speaker 11>The bottom the bottom line? And so like that, they

679
00:33:32.720 --> 00:33:36.480
<v Speaker 11>won't let me out of the contract yet. The contract

680
00:33:36.519 --> 00:33:39.559
<v Speaker 11>that I had as far as disabled, the contract that

681
00:33:39.720 --> 00:33:42.400
<v Speaker 11>canceled the day after when I talked to the person

682
00:33:42.640 --> 00:33:44.039
<v Speaker 11>I canceled my Well, but wait.

683
00:33:43.880 --> 00:33:46.160
<v Speaker 5>A minute, you're supposed to get some time to cancel,

684
00:33:46.240 --> 00:33:48.599
<v Speaker 5>I thought, when he.

685
00:33:49.079 --> 00:33:50.599
<v Speaker 1>Oh, this isn't a time share.

686
00:33:50.839 --> 00:33:53.119
<v Speaker 5>It isn't a time share, it's a traveltel club.

687
00:33:53.480 --> 00:33:56.440
<v Speaker 2>I've never seen the contract because Tim threw away.

688
00:33:56.599 --> 00:33:58.799
<v Speaker 5>Tim, do you have a copy of anything that you

689
00:33:58.920 --> 00:34:01.799
<v Speaker 5>signed with them? No?

690
00:34:02.039 --> 00:34:03.440
<v Speaker 11>I don't.

691
00:34:03.640 --> 00:34:05.519
<v Speaker 6>You don't have anything at all from them.

692
00:34:06.119 --> 00:34:08.400
<v Speaker 1>It would be good to hear the latest, because Tim, Yeah.

693
00:34:08.239 --> 00:34:09.199
<v Speaker 6>I want to hear the latest.

694
00:34:09.199 --> 00:34:11.239
<v Speaker 5>So hold on and we'll come back and hear what

695
00:34:11.280 --> 00:34:16.519
<v Speaker 5>they're offering. Now, go with a sure thing Denver's best

696
00:34:16.559 --> 00:34:19.440
<v Speaker 5>roofer Excel roofing dot com. You don't pay a cent

697
00:34:19.679 --> 00:34:25.719
<v Speaker 5>until you're content. Please time for an insurance check up free,

698
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<v Speaker 5>no obligation. In comparison, call Compass Insurance. Pay too much

699
00:34:29.679 --> 00:34:32.599
<v Speaker 5>your coverage at dozens of insurance companies find out now

700
00:34:32.679 --> 00:34:34.960
<v Speaker 5>three o three seven to seven to one help. You'll

701
00:34:34.960 --> 00:34:37.719
<v Speaker 5>think you're his only customer when you choose Frank durand

702
00:34:37.719 --> 00:34:40.199
<v Speaker 5>the real estate Man dot com to list your home

703
00:34:40.400 --> 00:34:43.559
<v Speaker 5>with Remax Alliance three oh three nine two zero sixteen

704
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<v Speaker 5>twenty two.

705
00:34:52.039 --> 00:34:52.320
<v Speaker 16>News.

706
00:34:54.280 --> 00:34:55.159
<v Speaker 10>So you don't have.

707
00:34:57.760 --> 00:34:59.880
<v Speaker 11>Run anxioussses care.

708
00:35:00.880 --> 00:35:03.239
<v Speaker 6>The Shooter's gonna help come.

709
00:35:03.519 --> 00:35:08.679
<v Speaker 4>Man Dix is the Troubleshooter Show. No Tom Martino.

710
00:35:09.880 --> 00:35:13.960
<v Speaker 5>Hey, I'm Tom Martino, your Troubleshooter three zero three seven

711
00:35:14.039 --> 00:35:16.360
<v Speaker 5>one three talk three oh three seven one three eight

712
00:35:16.360 --> 00:35:17.239
<v Speaker 5>two five five.

713
00:35:17.599 --> 00:35:20.280
<v Speaker 6>Hey, welcome to the show. We love doing it.

714
00:35:20.440 --> 00:35:22.719
<v Speaker 5>That's why I've done it for forty five years, still

715
00:35:22.760 --> 00:35:25.800
<v Speaker 5>on the air, and Mark's been at my side for

716
00:35:25.880 --> 00:35:29.280
<v Speaker 5>many of those years. And uh, right now at the

717
00:35:29.320 --> 00:35:33.360
<v Speaker 5>studio with John Fuller. John Fuller, personal injury attorney and

718
00:35:33.719 --> 00:35:37.840
<v Speaker 5>all around consumer advocate guru. So uh, this hour brought

719
00:35:37.880 --> 00:35:40.119
<v Speaker 5>you by Fixed at twenty four to seven. Don't forget

720
00:35:40.159 --> 00:35:43.039
<v Speaker 5>free second opinions. This is the season they might say,

721
00:35:43.039 --> 00:35:45.159
<v Speaker 5>you need a new air conditioner, you need a new this,

722
00:35:45.280 --> 00:35:47.840
<v Speaker 5>you need a new that. They'll do free second opinions,

723
00:35:47.920 --> 00:35:50.440
<v Speaker 5>no questions asked, no charge whatsoever.

724
00:35:50.960 --> 00:35:52.119
<v Speaker 6>Just get a perspective.

725
00:35:52.440 --> 00:35:55.639
<v Speaker 5>Fix myhome dot com book now seventy zero five two

726
00:35:55.679 --> 00:35:59.679
<v Speaker 5>six thirty nine thirty nine. By the way, we love

727
00:35:59.760 --> 00:36:03.519
<v Speaker 5>doing this, tim, We love helping people if we can.

728
00:36:04.039 --> 00:36:10.320
<v Speaker 5>You have a terrible problem, though, And this was, in

729
00:36:10.400 --> 00:36:12.840
<v Speaker 5>our opinion, an out and out ripoff.

730
00:36:13.280 --> 00:36:15.760
<v Speaker 6>Now Deputy d looked a lot into.

731
00:36:15.519 --> 00:36:19.000
<v Speaker 5>This, and he's saying, as far as he's concerned, you're

732
00:36:19.079 --> 00:36:21.519
<v Speaker 5>dealing with just a bunch of crooks that have no

733
00:36:21.639 --> 00:36:22.440
<v Speaker 5>real identity.

734
00:36:23.119 --> 00:36:24.360
<v Speaker 6>You can never nail him down.

735
00:36:24.960 --> 00:36:28.760
<v Speaker 5>And it was called Moments of Adventure or you went

736
00:36:28.800 --> 00:36:31.199
<v Speaker 5>to a seminar. By the way, how did you find

737
00:36:31.239 --> 00:36:37.920
<v Speaker 5>out about this seminar? In November of twenty twenty four, found.

738
00:36:37.599 --> 00:36:42.400
<v Speaker 11>Out through a flyer in the mail?

739
00:36:42.679 --> 00:36:46.199
<v Speaker 5>It okay, do you have that flyer by any show?

740
00:36:46.239 --> 00:36:47.320
<v Speaker 5>I'm even curious about that.

741
00:36:49.840 --> 00:36:51.400
<v Speaker 11>No, I don't have the fly anymore.

742
00:36:51.440 --> 00:36:52.679
<v Speaker 6>Why did you go to it?

743
00:36:52.760 --> 00:36:56.199
<v Speaker 5>Were you interested in a timeshare or in a vacation club?

744
00:36:58.760 --> 00:37:02.280
<v Speaker 11>Actually I wanted to do some travel, my lady, But

745
00:37:02.880 --> 00:37:07.039
<v Speaker 11>more so, they offered two free uh fights on celt

746
00:37:07.159 --> 00:37:10.719
<v Speaker 11>Us airlines and a couple of nights in the Hilton Hotel.

747
00:37:11.239 --> 00:37:13.880
<v Speaker 5>Did you ever get those? Did you ever get those freebies?

748
00:37:15.159 --> 00:37:19.320
<v Speaker 11>I finally got him just yesterday to Brad to an email.

749
00:37:19.360 --> 00:37:22.079
<v Speaker 11>I got a thing. I turned it out, but I

750
00:37:22.119 --> 00:37:25.320
<v Speaker 11>had you know, he's actually he wants to work with

751
00:37:25.360 --> 00:37:25.760
<v Speaker 11>me now.

752
00:37:26.440 --> 00:37:28.360
<v Speaker 5>But he got me the how does he how does

753
00:37:28.400 --> 00:37:30.280
<v Speaker 5>he want to work with you? Did he reach out

754
00:37:30.280 --> 00:37:31.000
<v Speaker 5>all of a sudden?

755
00:37:32.840 --> 00:37:34.760
<v Speaker 11>No, I reached out to him because he got his

756
00:37:34.840 --> 00:37:38.400
<v Speaker 11>number and I reached out to him and uh and

757
00:37:38.440 --> 00:37:40.400
<v Speaker 11>I got his email autist and everything, and he said

758
00:37:40.400 --> 00:37:42.079
<v Speaker 11>that he wanted to work with me. And I got

759
00:37:42.079 --> 00:37:43.519
<v Speaker 11>a direct line, and I said, I just want my

760
00:37:43.519 --> 00:37:44.840
<v Speaker 11>money back. I canceled this.

761
00:37:45.760 --> 00:37:48.440
<v Speaker 5>And then what is the direct line? Does is the

762
00:37:48.480 --> 00:37:51.199
<v Speaker 5>direct line? Does it end with eight seven zero nine?

763
00:37:52.599 --> 00:37:52.880
<v Speaker 11>Yes?

764
00:37:53.400 --> 00:37:57.599
<v Speaker 6>Okay? And the email address you have is what.

765
00:37:59.360 --> 00:38:08.119
<v Speaker 11>Brad at American Savings Networks dot com.

766
00:38:08.360 --> 00:38:12.840
<v Speaker 5>Brad at American Savings Network dot com. You know, it's

767
00:38:12.960 --> 00:38:17.039
<v Speaker 5>encouraging though, it's encouraging that he answered you. I want

768
00:38:17.039 --> 00:38:21.760
<v Speaker 5>to ask a question. Okay, let's all examine this. You know,

769
00:38:22.159 --> 00:38:25.800
<v Speaker 5>in my opinion, it's not worth anything. But you already joined,

770
00:38:26.679 --> 00:38:28.679
<v Speaker 5>it looks like you're not going to get your money back.

771
00:38:29.199 --> 00:38:30.840
<v Speaker 5>I mean, I guess you could try to assume a

772
00:38:30.920 --> 00:38:33.559
<v Speaker 5>small claims court if they have a registry.

773
00:38:33.119 --> 00:38:35.400
<v Speaker 6>Agent, you know Mark.

774
00:38:35.440 --> 00:38:38.480
<v Speaker 5>When they don't have a registered agent, there's no way

775
00:38:38.480 --> 00:38:39.760
<v Speaker 5>to take him the small claims court?

776
00:38:39.800 --> 00:38:40.239
<v Speaker 6>Is that right?

777
00:38:40.480 --> 00:38:40.840
<v Speaker 1>There is?

778
00:38:41.039 --> 00:38:41.800
<v Speaker 6>Yeah, you could.

779
00:38:41.880 --> 00:38:44.559
<v Speaker 7>You could go to either the house if you know

780
00:38:44.639 --> 00:38:47.719
<v Speaker 7>who the person was. You mean, if you literally can't

781
00:38:47.760 --> 00:38:50.000
<v Speaker 7>serve them, or if they don't have a registered agent.

782
00:38:50.039 --> 00:38:51.880
<v Speaker 6>What are you trying to say? If they don't have

783
00:38:51.920 --> 00:38:53.079
<v Speaker 6>a registered agent.

784
00:38:52.840 --> 00:38:55.480
<v Speaker 7>And as you can serve someone, that person would still

785
00:38:55.519 --> 00:38:57.280
<v Speaker 7>have to show up to court.

786
00:38:57.679 --> 00:39:00.639
<v Speaker 6>Okay, But what if they don't have anyone in the state.

787
00:39:01.000 --> 00:39:04.079
<v Speaker 6>Doesn't it you'd have to go to their venue and

788
00:39:04.119 --> 00:39:04.800
<v Speaker 6>serve them there.

789
00:39:05.320 --> 00:39:08.480
<v Speaker 7>Okay, not necessarily we're talking to small claims court.

790
00:39:08.679 --> 00:39:11.760
<v Speaker 13>Well, still if you serve them. It's just that they

791
00:39:11.800 --> 00:39:14.760
<v Speaker 13>can't defend a corporation in the state of Colorado, but

792
00:39:14.840 --> 00:39:17.119
<v Speaker 13>they are subject to the jurisdiction. So if you can

793
00:39:17.159 --> 00:39:19.039
<v Speaker 13>serve them and get them in the court, but they

794
00:39:19.079 --> 00:39:21.920
<v Speaker 13>can't come in there and represent that corporation because it's

795
00:39:21.960 --> 00:39:22.880
<v Speaker 13>not a legal entity.

796
00:39:22.960 --> 00:39:25.400
<v Speaker 6>In a small claims court. They literally do it for

797
00:39:25.440 --> 00:39:26.000
<v Speaker 6>a purpose.

798
00:39:26.079 --> 00:39:29.559
<v Speaker 7>So I can't go sue someone in California and make

799
00:39:29.639 --> 00:39:32.199
<v Speaker 7>them come here. I have to go into the county

800
00:39:32.239 --> 00:39:33.440
<v Speaker 7>of the person I'm suing.

801
00:39:34.280 --> 00:39:34.920
<v Speaker 6>I don't.

802
00:39:35.519 --> 00:39:38.199
<v Speaker 13>I think we're talking about apples and oranges here, because

803
00:39:38.440 --> 00:39:42.320
<v Speaker 13>if somebody avails themselves of the jurisdiction here in Colorado,

804
00:39:42.800 --> 00:39:45.320
<v Speaker 13>the fact that they may be a corporation in California

805
00:39:45.440 --> 00:39:48.280
<v Speaker 13>doesn't matter. As long as you serve them here and

806
00:39:48.320 --> 00:39:51.480
<v Speaker 13>you catch them in this jurisdiction, you've got jurisdiction over them.

807
00:39:51.519 --> 00:39:55.800
<v Speaker 6>Oh, in a court in Colorado. Yeah, I agree? Okay, Okay.

808
00:39:55.840 --> 00:39:59.920
<v Speaker 5>So here's the question, though, have you ever tim Troy

809
00:40:00.880 --> 00:40:02.519
<v Speaker 5>to just use the membership?

810
00:40:02.719 --> 00:40:02.920
<v Speaker 11>You know?

811
00:40:02.960 --> 00:40:03.760
<v Speaker 6>What I'm saying is.

812
00:40:03.719 --> 00:40:05.480
<v Speaker 5>I know you didn't want it and you want your

813
00:40:05.519 --> 00:40:08.280
<v Speaker 5>money back, But if you're stuck with it right now,

814
00:40:08.320 --> 00:40:09.360
<v Speaker 5>have you ever used it?

815
00:40:09.440 --> 00:40:10.800
<v Speaker 6>Have you ever tried to use it?

816
00:40:11.960 --> 00:40:15.519
<v Speaker 11>You know, as a matter of fact, I did. I

817
00:40:15.599 --> 00:40:17.800
<v Speaker 11>You know, he talked to me, work on getting your

818
00:40:17.840 --> 00:40:20.199
<v Speaker 11>money back later, But how about we just get you

819
00:40:20.280 --> 00:40:22.880
<v Speaker 11>doing some travel now? Oh?

820
00:40:23.760 --> 00:40:24.000
<v Speaker 9>Is that?

821
00:40:24.039 --> 00:40:25.719
<v Speaker 5>What is that? What he is that what he said

822
00:40:25.760 --> 00:40:29.199
<v Speaker 5>to you? Is he trying to sell you now a trip?

823
00:40:31.280 --> 00:40:32.039
<v Speaker 11>Yes, basically?

824
00:40:33.000 --> 00:40:34.840
<v Speaker 6>Okay, So that's.

825
00:40:34.639 --> 00:40:39.920
<v Speaker 5>Why that's why the guy contacted you, is Susan, That's

826
00:40:39.920 --> 00:40:43.000
<v Speaker 5>why the guy contacted you. He's not being a good egg.

827
00:40:43.400 --> 00:40:46.400
<v Speaker 5>He contacted you because he figured, Hey, you know the

828
00:40:46.440 --> 00:40:48.599
<v Speaker 5>guy's a member. Now let's see if we can actually

829
00:40:48.639 --> 00:40:50.679
<v Speaker 5>make him pay.

830
00:40:50.239 --> 00:40:52.519
<v Speaker 6>Or is it discount or what kind of things is it?

831
00:40:53.440 --> 00:40:56.199
<v Speaker 6>What are we talking about?

832
00:40:54.559 --> 00:40:57.119
<v Speaker 9>It's so special?

833
00:40:57.639 --> 00:41:01.760
<v Speaker 5>Just forward, tim. I want to ask you a question.

834
00:41:02.119 --> 00:41:03.519
<v Speaker 5>What did he try to sell you?

835
00:41:05.119 --> 00:41:09.360
<v Speaker 11>Okay? I told him was another trip to travel the

836
00:41:09.440 --> 00:41:11.719
<v Speaker 11>Mortal Beach, something going to Myrtle Beach, and he wanted

837
00:41:12.159 --> 00:41:15.000
<v Speaker 11>I gave him some dates and he gave me a price.

838
00:41:16.280 --> 00:41:17.599
<v Speaker 11>Reduced price, he says.

839
00:41:18.559 --> 00:41:18.960
<v Speaker 6>How much?

840
00:41:19.199 --> 00:41:22.519
<v Speaker 11>But you wants four and fifty dollars is a retail

841
00:41:22.599 --> 00:41:22.960
<v Speaker 11>for nine?

842
00:41:24.360 --> 00:41:26.119
<v Speaker 6>And he said he would get you a trip to

843
00:41:26.199 --> 00:41:26.840
<v Speaker 6>Myrtle Beach.

844
00:41:28.719 --> 00:41:30.920
<v Speaker 11>Yes, basically where I would you know, we would drive

845
00:41:30.960 --> 00:41:33.000
<v Speaker 11>out there, would have a place to stay for four

846
00:41:33.079 --> 00:41:35.840
<v Speaker 11>days or whatever. Do not do.

847
00:41:36.119 --> 00:41:38.000
<v Speaker 6>I would not put any more money in this. You

848
00:41:38.079 --> 00:41:38.920
<v Speaker 6>didn't do it, did you?

849
00:41:40.400 --> 00:41:40.440
<v Speaker 5>No?

850
00:41:40.599 --> 00:41:44.960
<v Speaker 11>I No, I didn't because I'm not that stupid anymore.

851
00:41:45.840 --> 00:41:46.519
<v Speaker 6>I hope not.

852
00:41:46.960 --> 00:41:49.880
<v Speaker 5>I wouldn't spend another time with these people. So really,

853
00:41:49.960 --> 00:41:53.159
<v Speaker 5>then what the what is the seventy nine for? If

854
00:41:53.199 --> 00:41:55.280
<v Speaker 5>you have to pay for each and every trip? Are

855
00:41:55.360 --> 00:41:57.679
<v Speaker 5>they claiming that all of your trips are going to

856
00:41:57.719 --> 00:41:58.440
<v Speaker 5>be discounted?

857
00:41:58.679 --> 00:41:59.239
<v Speaker 6>Is that why?

858
00:42:00.800 --> 00:42:01.599
<v Speaker 11>That's what they claiming?

859
00:42:03.559 --> 00:42:05.719
<v Speaker 12>And so was the trip?

860
00:42:06.440 --> 00:42:08.679
<v Speaker 5>Was the trip to Myrtle Beach for four hundred and

861
00:42:08.679 --> 00:42:12.199
<v Speaker 5>fifty bucks? Was that all inclusive or was that just

862
00:42:12.320 --> 00:42:14.559
<v Speaker 5>the first part? How much was the trip going to

863
00:42:14.639 --> 00:42:15.000
<v Speaker 5>cost you?

864
00:42:15.119 --> 00:42:15.559
<v Speaker 9>In all.

865
00:42:17.440 --> 00:42:19.280
<v Speaker 11>All he's got on the email. I had four of

866
00:42:19.360 --> 00:42:20.800
<v Speaker 11>these emails to me.

867
00:42:21.360 --> 00:42:21.800
<v Speaker 12>It took me.

868
00:42:22.000 --> 00:42:24.840
<v Speaker 7>Listen, guys, just wait a minute, so all this we

869
00:42:24.960 --> 00:42:27.440
<v Speaker 7>can't get them. I just decided to call the number

870
00:42:28.159 --> 00:42:31.360
<v Speaker 7>that's literally on the website America's Savings Network, and a

871
00:42:31.800 --> 00:42:34.039
<v Speaker 7>gal picked up, and she's gonna call me back with

872
00:42:34.199 --> 00:42:37.360
<v Speaker 7>the next one that's here in Colorado and what hotel

873
00:42:37.760 --> 00:42:39.400
<v Speaker 7>and we can go down and talk to him in

874
00:42:39.519 --> 00:42:40.039
<v Speaker 7>person for.

875
00:42:40.079 --> 00:42:41.440
<v Speaker 6>That man, good good.

876
00:42:42.159 --> 00:42:45.079
<v Speaker 5>We'll do the old fashioned, the old fashioned attendance you

877
00:42:45.199 --> 00:42:47.400
<v Speaker 5>used to do mark where you raise your hand and

878
00:42:47.440 --> 00:42:48.159
<v Speaker 5>ask a question.

879
00:42:48.199 --> 00:42:50.159
<v Speaker 6>These are the best ones, man, these guys.

880
00:42:50.239 --> 00:42:52.719
<v Speaker 7>Hopefully they fill up the embassy suites where they got

881
00:42:52.760 --> 00:42:55.599
<v Speaker 7>the free cocktail hour and then basically you walk in

882
00:42:55.719 --> 00:42:58.239
<v Speaker 7>in the middle of it, and you just warn everybody

883
00:42:58.320 --> 00:42:59.360
<v Speaker 7>they're a bunch of crooks.

884
00:43:00.119 --> 00:43:02.800
<v Speaker 5>Go back and search our YouTube channel. You'll see Mark

885
00:43:03.239 --> 00:43:04.760
<v Speaker 5>on some of these. They're really cool.

886
00:43:05.079 --> 00:43:09.000
<v Speaker 6>Hey, listen, you may decide to buy in. You know, yeah, yeah, yeah, yeah,

887
00:43:09.239 --> 00:43:11.599
<v Speaker 6>you have the free cocktails in the next thing. You know,

888
00:43:11.719 --> 00:43:12.280
<v Speaker 6>you remember.

889
00:43:12.880 --> 00:43:15.559
<v Speaker 5>But here's what I want to know, Brad on this

890
00:43:15.800 --> 00:43:18.599
<v Speaker 5>recent trip to Myrtle Beach, was the what were you

891
00:43:18.719 --> 00:43:19.920
<v Speaker 5>getting for four fifty?

892
00:43:20.119 --> 00:43:22.440
<v Speaker 6>Was that just the airfare or what was that the

893
00:43:22.559 --> 00:43:23.199
<v Speaker 6>four fifty?

894
00:43:23.599 --> 00:43:27.840
<v Speaker 11>Oh it says ocean front uh secuz this week before

895
00:43:27.960 --> 00:43:29.199
<v Speaker 11>fifty for.

896
00:43:29.280 --> 00:43:31.280
<v Speaker 5>An ocean front room for how many nights?

897
00:43:33.679 --> 00:43:36.960
<v Speaker 11>Eight through the twelve dolls or four nights.

898
00:43:38.239 --> 00:43:41.719
<v Speaker 6>And nights for four fifty? Did they say that's all

899
00:43:41.800 --> 00:43:43.960
<v Speaker 6>you did? They say that's all you had to pay?

900
00:43:46.440 --> 00:43:50.000
<v Speaker 11>This says retail price nine eighty. But I'm not fearable,

901
00:43:50.079 --> 00:43:50.840
<v Speaker 11>taxes everything.

902
00:43:50.920 --> 00:43:54.159
<v Speaker 5>Okay, So what they're showing they're showing that what they're

903
00:43:54.199 --> 00:43:57.599
<v Speaker 5>trying to show him, because the heat turned up a little,

904
00:43:57.840 --> 00:43:59.320
<v Speaker 5>is that he's getting discounts.

905
00:43:59.480 --> 00:44:01.079
<v Speaker 1>Yeah, can at the email right now.

906
00:44:01.280 --> 00:44:04.000
<v Speaker 2>So and what does it say, d It's say Sandy Beach,

907
00:44:04.079 --> 00:44:08.079
<v Speaker 2>Oceanfront resort Yacousy, Suite four hundred and fifty dollars retail

908
00:44:08.119 --> 00:44:08.960
<v Speaker 2>price nine to eighty.

909
00:44:09.360 --> 00:44:12.000
<v Speaker 1>It doesn't say if it's for the entire five days

910
00:44:12.199 --> 00:44:13.119
<v Speaker 1>or if that's per night.

911
00:44:13.480 --> 00:44:15.360
<v Speaker 6>Here's what I'm looking at on their website.

912
00:44:15.400 --> 00:44:19.039
<v Speaker 7>It's in Florida, it's in the Everglades, and it's called

913
00:44:19.480 --> 00:44:23.239
<v Speaker 7>Alligator Alcatraz and it's one hundred percent free if you're

914
00:44:23.280 --> 00:44:23.920
<v Speaker 7>here illegally.

915
00:44:24.960 --> 00:44:28.360
<v Speaker 2>Look, this doesn't equate wait a sec airfare, This doesn't

916
00:44:28.360 --> 00:44:29.000
<v Speaker 2>include anything.

917
00:44:30.039 --> 00:44:32.519
<v Speaker 6>But let's get right down. Let's get right down to

918
00:44:32.639 --> 00:44:33.360
<v Speaker 6>the heart of the matter.

919
00:44:33.800 --> 00:44:37.159
<v Speaker 5>Can we help Tim, No, no, no no, because you

920
00:44:37.239 --> 00:44:38.199
<v Speaker 5>made too many mistakes.

921
00:44:38.280 --> 00:44:40.079
<v Speaker 1>You just dealt with the demoke another one.

922
00:44:41.079 --> 00:44:43.679
<v Speaker 6>When these guys are in town wherever at da Hilton.

923
00:44:43.760 --> 00:44:45.320
<v Speaker 1>Yeah, we can all we can follow.

924
00:44:45.599 --> 00:44:47.599
<v Speaker 6>We can follow that one up. I'm gonna mark that

925
00:44:47.840 --> 00:44:48.559
<v Speaker 6>when they're in town.

926
00:44:48.679 --> 00:44:52.760
<v Speaker 2>Glynn sent him an email yesterday. He says, Hey, I

927
00:44:52.880 --> 00:44:55.280
<v Speaker 2>just need your payment information. Please give us a call,

928
00:44:55.480 --> 00:44:57.960
<v Speaker 2>and then he puts in his phone number. So he

929
00:44:58.079 --> 00:45:00.400
<v Speaker 2>wants to get paid for this hotel and re simply

930
00:45:00.480 --> 00:45:02.320
<v Speaker 2>air fair and whatever else he's going to sell.

931
00:45:02.360 --> 00:45:05.440
<v Speaker 1>Tim Brad is a is A is A.

932
00:45:05.760 --> 00:45:08.159
<v Speaker 6>Yeah, By the way, here's what I think people should do.

933
00:45:08.760 --> 00:45:11.280
<v Speaker 5>You should call Brad and let him know we have

934
00:45:11.480 --> 00:45:14.199
<v Speaker 5>his number and let him know we're not going to

935
00:45:14.280 --> 00:45:17.119
<v Speaker 5>let anybody else fall for it. Again, be nice, don't

936
00:45:17.159 --> 00:45:22.639
<v Speaker 5>be vulgar. And it's seven zero two four set two

937
00:45:23.639 --> 00:45:27.199
<v Speaker 5>eighty seven oh nine. Wait wait wait, let me give

938
00:45:27.199 --> 00:45:31.239
<v Speaker 5>you the number where people answer. Okay, seven oh two

939
00:45:32.159 --> 00:45:36.239
<v Speaker 5>six six zero zero seven two five.

940
00:45:38.480 --> 00:45:41.440
<v Speaker 6>Okay. You don't want to burn your Yeah, they're going

941
00:45:41.480 --> 00:45:43.239
<v Speaker 6>to be calling me back. Yeah, you don't want to

942
00:45:43.280 --> 00:45:45.719
<v Speaker 6>mess up your chance here, you know, get if you

943
00:45:45.800 --> 00:45:46.880
<v Speaker 6>want to email Brad.

944
00:45:47.920 --> 00:45:50.239
<v Speaker 5>If you want to email Brad and let them know

945
00:45:50.440 --> 00:45:54.000
<v Speaker 5>that we know about their scam. That scam is my word,

946
00:45:54.159 --> 00:46:00.199
<v Speaker 5>not theirs. Brad at American Savings Network dot com just

947
00:46:00.239 --> 00:46:02.599
<v Speaker 5>say we heard about you on the Tom Martino Show

948
00:46:02.840 --> 00:46:05.480
<v Speaker 5>and then put down three oh three Martino in parenthesis.

949
00:46:06.280 --> 00:46:09.800
<v Speaker 5>And they are talking about a man who pays seventy

950
00:46:09.880 --> 00:46:10.719
<v Speaker 5>nine hundred.

951
00:46:10.440 --> 00:46:11.280
<v Speaker 6>Dollars for nothing.

952
00:46:12.039 --> 00:46:26.400
<v Speaker 5>Now it's Brad at American Savings Network dot com. Go

953
00:46:26.599 --> 00:46:30.159
<v Speaker 5>with a sure thing Denver's best roofer Excel Roofing dot com.

954
00:46:30.360 --> 00:46:36.039
<v Speaker 5>You don't pay a cent until you're content. Time for

955
00:46:36.119 --> 00:46:40.440
<v Speaker 5>an insurance checkup free no obligation comparison call Compass Insurance

956
00:46:40.639 --> 00:46:43.599
<v Speaker 5>paying too much your coverage at dozens of insurance companies

957
00:46:43.719 --> 00:46:45.920
<v Speaker 5>find out now three oh three seven to seven to one.

958
00:46:46.079 --> 00:46:46.280
<v Speaker 6>Help.

959
00:46:46.480 --> 00:46:49.119
<v Speaker 5>You'll think you're his only customer when you choose Frank

960
00:46:49.199 --> 00:46:51.599
<v Speaker 5>durand the real estate man dot com to list your

961
00:46:51.679 --> 00:46:54.800
<v Speaker 5>home with Remax Alliance three oh three nine two zero

962
00:46:54.920 --> 00:46:55.880
<v Speaker 5>sixteen twenty two.

963
00:46:58.159 --> 00:46:59.559
<v Speaker 6>Hi Tom Martino here.

964
00:47:00.920 --> 00:47:04.000
<v Speaker 5>Threell three seven one three A two five five Drew,

965
00:47:04.320 --> 00:47:05.199
<v Speaker 5>Welcome to the show.

966
00:47:05.679 --> 00:47:09.400
<v Speaker 6>Is this Drew Drew or just Drew? Hello?

967
00:47:11.440 --> 00:47:11.559
<v Speaker 11>Oh?

968
00:47:11.840 --> 00:47:15.000
<v Speaker 6>Just did he hang up? We got him pulled up?

969
00:47:15.079 --> 00:47:15.280
<v Speaker 12>Drew?

970
00:47:15.360 --> 00:47:15.760
<v Speaker 1>What's up?

971
00:47:16.599 --> 00:47:19.880
<v Speaker 6>Drew? Was it the Drew that calls often? Or was

972
00:47:19.920 --> 00:47:20.679
<v Speaker 6>it another drill?

973
00:47:21.239 --> 00:47:23.039
<v Speaker 7>Let's put it this way. It says he got hurt

974
00:47:23.079 --> 00:47:25.519
<v Speaker 7>and home depot? What are the chances it's a different

975
00:47:25.840 --> 00:47:28.000
<v Speaker 7>not just hurt, almost killed in home depots?

976
00:47:28.000 --> 00:47:30.000
<v Speaker 6>Almost killed? Big difference. I digress.

977
00:47:30.199 --> 00:47:33.480
<v Speaker 5>Yeah, but Kelly, was this the Drew that calls often

978
00:47:33.880 --> 00:47:35.119
<v Speaker 5>or regularly?

979
00:47:36.159 --> 00:47:37.760
<v Speaker 1>Drew from New Jersey? It was?

980
00:47:38.079 --> 00:47:38.239
<v Speaker 5>Was it?

981
00:47:38.360 --> 00:47:38.840
<v Speaker 9>How do we know?

982
00:47:39.079 --> 00:47:40.199
<v Speaker 6>Was it Drew from New Jersey?

983
00:47:40.400 --> 00:47:42.679
<v Speaker 7>I'm sure he's up right now. I don't know why

984
00:47:42.760 --> 00:47:45.199
<v Speaker 7>he's playing. Uh, I don't know why he's being true.

985
00:47:46.000 --> 00:47:53.360
<v Speaker 7>Are you there, Drew, hmmm, maybe he adham minutes. Let's

986
00:47:53.679 --> 00:47:55.559
<v Speaker 7>let's uh or maybe home depot.

987
00:47:55.800 --> 00:47:59.440
<v Speaker 5>Let me try to re establish that contact and then

988
00:47:59.719 --> 00:48:05.760
<v Speaker 5>let's Tim. Really, there's nothing we can do about Tim, Tim,

989
00:48:06.079 --> 00:48:09.440
<v Speaker 5>we can't. All we're going to tell you is don't

990
00:48:10.039 --> 00:48:13.280
<v Speaker 5>increase your losses by buying other stuff from them. I mean,

991
00:48:13.559 --> 00:48:15.440
<v Speaker 5>you know, we got to just on some of these.

992
00:48:15.599 --> 00:48:18.119
<v Speaker 5>Just tell people the truth. We can't help you.

993
00:48:19.079 --> 00:48:23.239
<v Speaker 6>You made a big mistake. You made a big mistake.

994
00:48:23.360 --> 00:48:25.079
<v Speaker 1>Don't throw good money after bad true.

995
00:48:26.199 --> 00:48:29.519
<v Speaker 6>I mean Tim. By the way, speaking of.

996
00:48:31.400 --> 00:48:34.800
<v Speaker 5>All of the things we talk about, I have Casey

997
00:48:34.920 --> 00:48:36.880
<v Speaker 5>with me now from American Financing.

998
00:48:37.480 --> 00:48:40.679
<v Speaker 6>Come on and Casey are you there?

999
00:48:42.239 --> 00:48:44.960
<v Speaker 5>Yes, sir Casey, can you tell me what you do

1000
00:48:45.000 --> 00:48:49.480
<v Speaker 5>at American Financing dot net please? I'm well familiar with

1001
00:48:49.599 --> 00:48:51.599
<v Speaker 5>all of the team members. I have not had the

1002
00:48:51.639 --> 00:48:52.840
<v Speaker 5>pleasure of meeting you yet.

1003
00:48:54.039 --> 00:48:56.039
<v Speaker 17>Yes, I'm the general manager yourself.

1004
00:48:56.599 --> 00:48:57.360
<v Speaker 6>Now, Casey.

1005
00:48:58.840 --> 00:49:02.400
<v Speaker 5>The reason I have you on on is there's never

1006
00:49:02.559 --> 00:49:07.320
<v Speaker 5>been a weirder time when it comes to you know,

1007
00:49:09.159 --> 00:49:14.760
<v Speaker 5>smart equity loans or equity loans, consolidation loans and refinancing

1008
00:49:15.519 --> 00:49:18.599
<v Speaker 5>the message A lot of people have is don't bother

1009
00:49:18.760 --> 00:49:24.679
<v Speaker 5>it's too expensive, and some people have found out, well

1010
00:49:24.719 --> 00:49:27.639
<v Speaker 5>it's not too expensive when you consider what you're.

1011
00:49:27.519 --> 00:49:28.679
<v Speaker 6>Paying with credit cards.

1012
00:49:29.599 --> 00:49:33.760
<v Speaker 5>What is your message to people right now with high

1013
00:49:34.079 --> 00:49:37.039
<v Speaker 5>let's take the let's take different categories, people with high

1014
00:49:37.119 --> 00:49:37.920
<v Speaker 5>interest det.

1015
00:49:39.519 --> 00:49:41.199
<v Speaker 17>Yeah, that's a lot of people that were helping. Is

1016
00:49:41.519 --> 00:49:43.679
<v Speaker 17>like you mentioned the credit cards. The credit cards across

1017
00:49:43.800 --> 00:49:46.719
<v Speaker 17>the country are at all times. I's just that the

1018
00:49:47.039 --> 00:49:50.079
<v Speaker 17>economy that we're in right now. And yeah, the interest

1019
00:49:50.159 --> 00:49:52.000
<v Speaker 17>rates on mortgages right now are higher than they were

1020
00:49:52.039 --> 00:49:54.440
<v Speaker 17>a few years ago, but you know, historically they're still

1021
00:49:54.679 --> 00:49:57.039
<v Speaker 17>still in a pretty good spot and a whole lot

1022
00:49:57.159 --> 00:49:59.639
<v Speaker 17>lower than the twenty plus percent that you probatly on

1023
00:50:00.039 --> 00:50:02.400
<v Speaker 17>it occurred. There's there are a lot of people that

1024
00:50:02.440 --> 00:50:04.360
<v Speaker 17>were helping get out of that credit card that right now,

1025
00:50:04.559 --> 00:50:07.199
<v Speaker 17>I'm using their their biggest financial tool, which is their

1026
00:50:07.239 --> 00:50:10.639
<v Speaker 17>house then saving on average about eight hundred dollars a month.

1027
00:50:11.960 --> 00:50:15.199
<v Speaker 6>So they're saving a ton of money every month.

1028
00:50:15.639 --> 00:50:18.360
<v Speaker 5>And then if they choose to when they take out

1029
00:50:18.440 --> 00:50:21.480
<v Speaker 5>that smart equity loan, they can pay that off quicker

1030
00:50:21.880 --> 00:50:23.920
<v Speaker 5>than the regular payments as well as they want.

1031
00:50:24.199 --> 00:50:25.400
<v Speaker 6>But they have the choice.

1032
00:50:25.760 --> 00:50:27.960
<v Speaker 5>They can have breathing room, or they can pay it

1033
00:50:28.000 --> 00:50:31.000
<v Speaker 5>off quicker, it's up to them. But doesn't their credit

1034
00:50:31.360 --> 00:50:32.960
<v Speaker 5>improve immediately.

1035
00:50:34.280 --> 00:50:34.960
<v Speaker 1>In most cases?

1036
00:50:35.039 --> 00:50:35.199
<v Speaker 11>Yes.

1037
00:50:35.599 --> 00:50:38.519
<v Speaker 17>So your credit card is you know, drive from a

1038
00:50:38.559 --> 00:50:41.159
<v Speaker 17>lot of different things, but one thing that does impact

1039
00:50:41.199 --> 00:50:43.840
<v Speaker 17>it a lot is your credit utilization. So when you

1040
00:50:43.920 --> 00:50:46.880
<v Speaker 17>have a credit card that's matched out, it's impacting.

1041
00:50:46.519 --> 00:50:47.320
<v Speaker 6>Your credit a lot.

1042
00:50:48.280 --> 00:50:52.239
<v Speaker 17>Makati obviously, So paying that off, opening up that line

1043
00:50:53.159 --> 00:50:58.039
<v Speaker 17>with your equity from a smart equity loan will free

1044
00:50:58.119 --> 00:51:00.960
<v Speaker 17>up that line of credit which will then earn you know,

1045
00:51:01.039 --> 00:51:01.960
<v Speaker 17>help out your credit score.

1046
00:51:02.000 --> 00:51:07.760
<v Speaker 5>You should so in essence, when we're talking about refining,

1047
00:51:08.239 --> 00:51:11.760
<v Speaker 5>we're talking about two different kinds in my mind, First,

1048
00:51:12.119 --> 00:51:14.960
<v Speaker 5>the smart equity loan where you take just enough to

1049
00:51:15.079 --> 00:51:18.599
<v Speaker 5>get out of that high interest debt and debt that

1050
00:51:18.760 --> 00:51:22.400
<v Speaker 5>has accumulated. And the second is where you refile the

1051
00:51:22.440 --> 00:51:24.159
<v Speaker 5>whole house, the whole mortgage.

1052
00:51:25.400 --> 00:51:29.519
<v Speaker 6>When would it be apropos to do the whole mortgage?

1053
00:51:31.039 --> 00:51:33.599
<v Speaker 17>That's what we do here at American Financing. We have

1054
00:51:34.039 --> 00:51:36.239
<v Speaker 17>a team of you know, mortgage consultants that will do

1055
00:51:36.559 --> 00:51:39.079
<v Speaker 17>a credit or a mortgage review of you. For some people,

1056
00:51:39.079 --> 00:51:42.679
<v Speaker 17>it makes sense to stick with your mortgage and pull

1057
00:51:42.719 --> 00:51:45.519
<v Speaker 17>out that smart equity heat loan or second line or

1058
00:51:45.559 --> 00:51:47.800
<v Speaker 17>whatever you want to call it. And sometimes it makes

1059
00:51:47.840 --> 00:51:49.400
<v Speaker 17>more sense of the refinings. You just have to take

1060
00:51:49.400 --> 00:51:51.199
<v Speaker 17>a look at the whole picture together. It's going to

1061
00:51:51.239 --> 00:51:53.239
<v Speaker 17>take into account. You know what your rate is on

1062
00:51:53.320 --> 00:51:55.880
<v Speaker 17>your current mortgage, maybe you've got one of the super

1063
00:51:55.920 --> 00:51:57.880
<v Speaker 17>low interest strikes a few years back, maybe make it's

1064
00:51:57.880 --> 00:52:00.639
<v Speaker 17>more sense as a smart equity loan. But at the

1065
00:52:00.679 --> 00:52:02.880
<v Speaker 17>same time, if you don't have the lowest rate, or

1066
00:52:03.360 --> 00:52:05.920
<v Speaker 17>if you have a balance on your current mortgage that's

1067
00:52:06.000 --> 00:52:08.840
<v Speaker 17>not that high compared to what you would be taken

1068
00:52:08.920 --> 00:52:12.639
<v Speaker 17>out to pay off their credit cards, sometimes the refinances

1069
00:52:12.679 --> 00:52:13.400
<v Speaker 17>all whole make sense.

1070
00:52:13.440 --> 00:52:14.159
<v Speaker 9>And that's what we always do.

1071
00:52:14.239 --> 00:52:16.000
<v Speaker 17>We always take a look at the whole picture, and

1072
00:52:16.320 --> 00:52:18.079
<v Speaker 17>you know the way to the pros and the cons

1073
00:52:18.119 --> 00:52:20.039
<v Speaker 17>of each and see what makes more sense for each

1074
00:52:20.079 --> 00:52:20.840
<v Speaker 17>particular person.

1075
00:52:21.800 --> 00:52:25.400
<v Speaker 5>And there is something that is very tricky, but it's

1076
00:52:25.639 --> 00:52:30.679
<v Speaker 5>really something people should look at, and it's a blended rate.

1077
00:52:31.840 --> 00:52:33.480
<v Speaker 6>I'm going to try to explain it. You can take

1078
00:52:33.519 --> 00:52:33.960
<v Speaker 6>a shot at.

1079
00:52:34.079 --> 00:52:37.559
<v Speaker 5>But the blended rate means that let's just say you

1080
00:52:37.639 --> 00:52:39.880
<v Speaker 5>have a low rate mortgage right now, Let's say you

1081
00:52:39.960 --> 00:52:42.960
<v Speaker 5>have a four percent mortgage and that's a good rate,

1082
00:52:43.400 --> 00:52:45.559
<v Speaker 5>but you have a lot of high interest debt. And

1083
00:52:45.639 --> 00:52:49.400
<v Speaker 5>then let's say you have other debt, or maybe you

1084
00:52:49.599 --> 00:52:52.760
<v Speaker 5>have deferred maintenance on your house or whatever, and you're

1085
00:52:52.840 --> 00:52:56.159
<v Speaker 5>deciding what to do. Let's say you decide to refi

1086
00:52:56.320 --> 00:52:59.840
<v Speaker 5>the entire loan and pull some cash out for some

1087
00:53:00.039 --> 00:53:03.519
<v Speaker 5>referred maintenance pay off the high interest at now you have.

1088
00:53:03.599 --> 00:53:04.199
<v Speaker 6>A new loan.

1089
00:53:05.679 --> 00:53:11.800
<v Speaker 5>The new loan, even though might seem higher, obviously it'll

1090
00:53:11.840 --> 00:53:15.880
<v Speaker 5>be higher than four percent right now, but it may

1091
00:53:15.960 --> 00:53:19.920
<v Speaker 5>be lower. The new rate might be lower than what

1092
00:53:20.079 --> 00:53:24.119
<v Speaker 5>you're paying now in what's called a blended rate. And

1093
00:53:24.239 --> 00:53:26.800
<v Speaker 5>a blended rate is kind of all of the interest

1094
00:53:26.880 --> 00:53:30.519
<v Speaker 5>you're paying on a monthly basis. It takes into consideration

1095
00:53:31.039 --> 00:53:35.039
<v Speaker 5>your low mortgage, but also high credit card and other bills.

1096
00:53:35.599 --> 00:53:39.880
<v Speaker 5>And sometimes people end up, if they listen to you, guys,

1097
00:53:40.199 --> 00:53:44.000
<v Speaker 5>and you do the math, it's they end up actually,

1098
00:53:44.480 --> 00:53:48.639
<v Speaker 5>even though the house mortgage is higher, their overall blended

1099
00:53:48.760 --> 00:53:51.039
<v Speaker 5>rate on all of their debt is lower.

1100
00:53:51.719 --> 00:53:53.599
<v Speaker 6>How do you get that concept across?

1101
00:53:54.960 --> 00:53:57.280
<v Speaker 17>I mean, I think you explained it pretty well there.

1102
00:53:57.320 --> 00:53:59.199
<v Speaker 17>That's exactly what it is, and that's what I was

1103
00:53:59.239 --> 00:54:01.000
<v Speaker 17>alluding to. Four when I said we would take a

1104
00:54:01.039 --> 00:54:03.400
<v Speaker 17>look at all the different scenarios, is where does that

1105
00:54:03.480 --> 00:54:06.119
<v Speaker 17>blended rate come in at. There's a bunch of different

1106
00:54:06.159 --> 00:54:08.599
<v Speaker 17>online calculators where you just simply type in your balance,

1107
00:54:08.679 --> 00:54:11.000
<v Speaker 17>the current interistrate for all your different things. That calculates

1108
00:54:11.039 --> 00:54:13.679
<v Speaker 17>and then tell you what your blended rate is. And

1109
00:54:13.880 --> 00:54:16.679
<v Speaker 17>with your eye interest, credit card, debt, or even if

1110
00:54:16.679 --> 00:54:19.400
<v Speaker 17>you take out a you know, personal loan that you're

1111
00:54:19.400 --> 00:54:21.480
<v Speaker 17>seeing a lot of people have these days, those are

1112
00:54:21.679 --> 00:54:24.199
<v Speaker 17>very high interest rates. So when you put those into

1113
00:54:24.239 --> 00:54:26.880
<v Speaker 17>a blended calculator, even if you have those amazingly low

1114
00:54:26.960 --> 00:54:29.960
<v Speaker 17>interest rates, for me, figures back on your mortgage right

1115
00:54:30.320 --> 00:54:34.000
<v Speaker 17>blended overall picture, it's going to be a much higher

1116
00:54:34.679 --> 00:54:38.159
<v Speaker 17>number than than you could get right now on a mortgage.

1117
00:54:37.840 --> 00:54:40.960
<v Speaker 5>Typically because what we're what we're looking at is the

1118
00:54:41.119 --> 00:54:45.840
<v Speaker 5>total outlay of interest, which is really doesn't go to

1119
00:54:45.920 --> 00:54:50.519
<v Speaker 5>build any wealth whatsoever. So obviously, with interest, which is

1120
00:54:50.599 --> 00:54:54.920
<v Speaker 5>really your renting of the money, your use of the money,

1121
00:54:55.280 --> 00:54:58.039
<v Speaker 5>you want it to be as low as possible because

1122
00:54:58.400 --> 00:55:03.280
<v Speaker 5>it's not building any wealth, it's simply maintaining the debt.

1123
00:55:03.880 --> 00:55:06.559
<v Speaker 5>And that's something people really need to know, you know,

1124
00:55:07.239 --> 00:55:10.480
<v Speaker 5>Casey I've seen people that have a lot of equity

1125
00:55:10.559 --> 00:55:14.000
<v Speaker 5>on their home, but they're afraid to touch it because

1126
00:55:14.199 --> 00:55:20.039
<v Speaker 5>of the higher second rates. But typically, what have you

1127
00:55:20.239 --> 00:55:25.079
<v Speaker 5>seen in real cases where people have finally given in

1128
00:55:25.760 --> 00:55:26.880
<v Speaker 5>and consolidated.

1129
00:55:26.960 --> 00:55:29.599
<v Speaker 6>Do you have any examples of savings?

1130
00:55:31.400 --> 00:55:31.800
<v Speaker 11>We do it.

1131
00:55:32.119 --> 00:55:34.599
<v Speaker 17>We calculate that and keep track of what we have

1132
00:55:34.719 --> 00:55:37.679
<v Speaker 17>as a whole. And on average right now, when you're

1133
00:55:37.719 --> 00:55:40.639
<v Speaker 17>taking the people that are doing the debt consolidation, like

1134
00:55:40.679 --> 00:55:42.639
<v Speaker 17>I said, that's on average about eight hundred dollars a

1135
00:55:42.679 --> 00:55:45.599
<v Speaker 17>month summer higher, summer lower. Obviously that's that's how averages were.

1136
00:55:46.199 --> 00:55:48.000
<v Speaker 17>But on average right now people are saving about eight

1137
00:55:48.079 --> 00:55:49.760
<v Speaker 17>hundred bucks in their confolid they didn't want.

1138
00:55:49.679 --> 00:55:51.119
<v Speaker 6>To get it now.

1139
00:55:51.440 --> 00:55:56.159
<v Speaker 5>This is something maybe American financing you don't talk about directly,

1140
00:55:56.800 --> 00:55:59.880
<v Speaker 5>but I can talk about it. And that is when

1141
00:56:00.079 --> 00:56:03.000
<v Speaker 5>you get approved at American financing for a certain amount,

1142
00:56:04.159 --> 00:56:06.079
<v Speaker 5>you're able, like if it's a line of.

1143
00:56:06.119 --> 00:56:09.159
<v Speaker 6>Credit for example, or a second just a straight second.

1144
00:56:10.519 --> 00:56:14.800
<v Speaker 5>Sometimes people are better off instead of just paying off

1145
00:56:15.039 --> 00:56:20.679
<v Speaker 5>every single balance, negotiating some of those balances, because if

1146
00:56:20.719 --> 00:56:25.039
<v Speaker 5>you're a little behind on on the eight ball, you've

1147
00:56:25.119 --> 00:56:29.360
<v Speaker 5>you've accumulated a little much and you call a credit

1148
00:56:29.480 --> 00:56:33.599
<v Speaker 5>card issuer or you call them, they will sometimes settle

1149
00:56:33.719 --> 00:56:38.400
<v Speaker 5>for less than one hundred percent. You have you experienced

1150
00:56:38.440 --> 00:56:42.000
<v Speaker 5>that where people use the money they get from American

1151
00:56:42.119 --> 00:56:47.119
<v Speaker 5>financings a smart equity loan or loan to negotiate settlements

1152
00:56:48.599 --> 00:56:48.880
<v Speaker 5>Like you.

1153
00:56:48.920 --> 00:56:51.119
<v Speaker 17>Said that outside of our real that's not something we

1154
00:56:51.719 --> 00:56:54.239
<v Speaker 17>could help facilitate with you for you. But yes, I

1155
00:56:54.360 --> 00:56:57.679
<v Speaker 17>I've had on borrowers that have taken that money and

1156
00:56:57.800 --> 00:57:00.360
<v Speaker 17>use it to their advantage on Cassie Sky. So when

1157
00:57:00.400 --> 00:57:03.760
<v Speaker 17>you have that line right, stay here. You know, what

1158
00:57:03.880 --> 00:57:04.920
<v Speaker 17>are you willing to work with?

1159
00:57:05.360 --> 00:57:08.639
<v Speaker 5>Exactly a lot of times I was working. The reason

1160
00:57:08.719 --> 00:57:10.880
<v Speaker 5>I brought that up, I was working with an attorney

1161
00:57:11.400 --> 00:57:12.000
<v Speaker 5>who does that.

1162
00:57:13.679 --> 00:57:15.400
<v Speaker 6>Mike Wink is one of them that does it on.

1163
00:57:15.440 --> 00:57:19.079
<v Speaker 5>Our refer list, and he said, if you get yourself

1164
00:57:19.400 --> 00:57:21.760
<v Speaker 5>a line of credit or a second or if you

1165
00:57:21.960 --> 00:57:24.079
<v Speaker 5>have and we were trying to help this young woman

1166
00:57:24.880 --> 00:57:28.039
<v Speaker 5>and you have the money available and I know it's available,

1167
00:57:28.559 --> 00:57:31.639
<v Speaker 5>I can then go out and make settlements with people.

1168
00:57:32.239 --> 00:57:36.000
<v Speaker 5>And since it's after you get the mortgage, it doesn't

1169
00:57:36.039 --> 00:57:39.800
<v Speaker 5>affect your credit. You already got the mortgage, And there's

1170
00:57:40.000 --> 00:57:45.079
<v Speaker 5>nothing wrong with negotiating settlements. But having the strength of

1171
00:57:45.239 --> 00:57:48.360
<v Speaker 5>the money and you know you have that pot of money,

1172
00:57:48.800 --> 00:57:52.519
<v Speaker 5>gives you the strength to negotiate settlements. And again, these

1173
00:57:52.599 --> 00:57:56.400
<v Speaker 5>are people we're talking about people Casey with a lot

1174
00:57:56.480 --> 00:57:59.559
<v Speaker 5>of debt. Now you deal with people in all walks

1175
00:57:59.599 --> 00:58:02.599
<v Speaker 5>of life with a lot of debt and some that

1176
00:58:02.719 --> 00:58:05.039
<v Speaker 5>have just accumulated a certain amount.

1177
00:58:05.320 --> 00:58:08.039
<v Speaker 6>What have you have you gone back and looked at what.

1178
00:58:08.119 --> 00:58:10.679
<v Speaker 5>The average is for high interest debt these days with

1179
00:58:10.840 --> 00:58:12.360
<v Speaker 5>people on your customer base.

1180
00:58:14.239 --> 00:58:16.840
<v Speaker 17>Like you said, it's all all over the place. And

1181
00:58:17.119 --> 00:58:19.000
<v Speaker 17>I mean credit If you're talking about the interest rates

1182
00:58:19.039 --> 00:58:21.239
<v Speaker 17>on credit cards, they're they're pretty higher right now, as

1183
00:58:21.239 --> 00:58:25.000
<v Speaker 17>everybody knows. But there's yeah, there's people that have you know,

1184
00:58:25.880 --> 00:58:27.760
<v Speaker 17>you know, it's all over the place. And some people

1185
00:58:27.880 --> 00:58:30.239
<v Speaker 17>have ten thousand dollars in credit card debt. There's people

1186
00:58:30.280 --> 00:58:32.920
<v Speaker 17>that have one hundred thousand dollars plus. So there's there's

1187
00:58:32.960 --> 00:58:35.239
<v Speaker 17>all different types out there. And it's not just debt too.

1188
00:58:35.280 --> 00:58:37.480
<v Speaker 17>There are people that you know, want to put a

1189
00:58:37.480 --> 00:58:39.719
<v Speaker 17>swimming pool in their backyard, want to finish their basement

1190
00:58:39.800 --> 00:58:42.039
<v Speaker 17>out right, There's a bunch of different people that are

1191
00:58:42.079 --> 00:58:44.199
<v Speaker 17>looking at stuff for a full different reasons. Yes, the

1192
00:58:44.280 --> 00:58:47.119
<v Speaker 17>debt is a is a huge piece right now, just

1193
00:58:47.159 --> 00:58:49.840
<v Speaker 17>because again of the community they're brand But there are

1194
00:58:49.880 --> 00:58:52.000
<v Speaker 17>people that are doing doing all right, don't have the debt,

1195
00:58:52.039 --> 00:58:54.880
<v Speaker 17>that are still looking to to access the money for

1196
00:58:55.400 --> 00:58:56.360
<v Speaker 17>different reasons as well.

1197
00:58:57.960 --> 00:59:00.280
<v Speaker 5>All right, we have more on this and any of

1198
00:59:00.360 --> 00:59:03.079
<v Speaker 5>your questions you have. I had a couple people text

1199
00:59:03.159 --> 00:59:06.360
<v Speaker 5>me while I'm talking to you. This is Casey front,

1200
00:59:06.400 --> 00:59:10.199
<v Speaker 5>the GM of sales at American Financing dot net, and Casey,

1201
00:59:10.239 --> 00:59:12.079
<v Speaker 5>I'm sorry I didn't attempt your last name.

1202
00:59:12.400 --> 00:59:13.559
<v Speaker 6>Can you pronounce it for me?

1203
00:59:14.880 --> 00:59:18.039
<v Speaker 17>Yes, Casey sportscough schwartz cough.

1204
00:59:18.440 --> 00:59:19.320
<v Speaker 6>Oh that's not bad.

1205
00:59:19.639 --> 00:59:20.199
<v Speaker 14>We have more.

1206
00:59:20.519 --> 00:59:22.519
<v Speaker 6>We have more coming up on the Troubleshooter Show.

1207
00:59:26.880 --> 00:59:30.159
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

1208
00:59:30.239 --> 00:59:32.880
<v Speaker 5>dot com. You don't pay a cent until you're content,

1209
00:59:34.480 --> 00:59:39.440
<v Speaker 5>wait time for an insurance checkup free, no obligation. In comparison,

1210
00:59:39.599 --> 00:59:43.119
<v Speaker 5>call Compass insurance paying too much your coverage at dozens

1211
00:59:43.159 --> 00:59:45.880
<v Speaker 5>of insurance companies find out now three all three seven

1212
00:59:46.000 --> 00:59:46.800
<v Speaker 5>seven to one help.

1213
00:59:47.000 --> 00:59:48.800
<v Speaker 12>You'll think you're his only customer.

1214
00:59:48.840 --> 00:59:51.039
<v Speaker 5>When you choose Frank durand the Real estate Man dot

1215
00:59:51.119 --> 00:59:54.440
<v Speaker 5>com to list your home with Remax Alliance three oh

1216
00:59:54.480 --> 01:00:01.559
<v Speaker 5>three nine two zero sixteen twenty two. Hi Tom Martino here,

1217
01:00:01.960 --> 01:00:06.239
<v Speaker 5>we're talking to Casey Schwartzkov with H He's the general

1218
01:00:06.360 --> 01:00:10.320
<v Speaker 5>manager over a sales at American Financing. I've been doing

1219
01:00:10.360 --> 01:00:13.800
<v Speaker 5>a lot of advertising for American Financing because when we

1220
01:00:13.920 --> 01:00:17.800
<v Speaker 5>first started talking, and I talked to Ryan and over there,

1221
01:00:17.880 --> 01:00:21.519
<v Speaker 5>and we said, you know, there's never been a more

1222
01:00:21.599 --> 01:00:25.280
<v Speaker 5>confusing time in the mortgage business. I mean, some people

1223
01:00:25.480 --> 01:00:28.000
<v Speaker 5>just say, oh, you can't get a mortgage, it's too expensive.

1224
01:00:28.239 --> 01:00:31.280
<v Speaker 5>What they don't understand is that you can still use

1225
01:00:31.360 --> 01:00:33.320
<v Speaker 5>the equity in your home to get out of high

1226
01:00:33.360 --> 01:00:37.320
<v Speaker 5>interest debt. And when you get that portion of your

1227
01:00:37.360 --> 01:00:40.960
<v Speaker 5>equity to pay off that high interest debt, you're immediately

1228
01:00:41.119 --> 01:00:43.639
<v Speaker 5>making money because you get when you get rid of

1229
01:00:43.760 --> 01:00:47.599
<v Speaker 5>fourteen percent debt and let's no not what am I

1230
01:00:47.679 --> 01:00:50.239
<v Speaker 5>saying fourteen some of it's up to twenty to twenty

1231
01:00:50.320 --> 01:00:53.199
<v Speaker 5>four percent. When you get rid of twenty four percent debt,

1232
01:00:53.840 --> 01:00:57.800
<v Speaker 5>and let's say you substitute it with a six percent

1233
01:00:57.920 --> 01:01:01.360
<v Speaker 5>debt or a seven percent debt, you're saving that seventeen

1234
01:01:01.440 --> 01:01:04.440
<v Speaker 5>or eighteen percent a month. You're saving it that that's

1235
01:01:04.599 --> 01:01:09.000
<v Speaker 5>truly not money going out of the spickett, so you're

1236
01:01:09.199 --> 01:01:10.599
<v Speaker 5>saving the money.

1237
01:01:11.159 --> 01:01:13.000
<v Speaker 6>The same with home improvements.

1238
01:01:13.719 --> 01:01:16.400
<v Speaker 5>You know, if you go to a vendor that is

1239
01:01:16.519 --> 01:01:21.239
<v Speaker 5>offering fifteen and sixteen percent on these, you know, buy

1240
01:01:21.320 --> 01:01:25.400
<v Speaker 5>her pay here, that's not necessarily a good deal. You

1241
01:01:25.480 --> 01:01:30.239
<v Speaker 5>can put those home improvements into home equity. So casey,

1242
01:01:30.519 --> 01:01:36.079
<v Speaker 5>basically the store still open. People still need to get loans.

1243
01:01:36.880 --> 01:01:41.280
<v Speaker 5>So I have one this one here. Someone wants to

1244
01:01:41.400 --> 01:01:44.119
<v Speaker 5>know what kind of credit do they need for a

1245
01:01:44.280 --> 01:01:45.360
<v Speaker 5>smart Equity loan.

1246
01:01:47.360 --> 01:01:49.519
<v Speaker 17>We often for all different types of programs like syby,

1247
01:01:49.559 --> 01:01:51.559
<v Speaker 17>to take a look at it to see exactly what

1248
01:01:51.639 --> 01:01:53.800
<v Speaker 17>makes most sense in your situations. We do have programs

1249
01:01:53.840 --> 01:01:55.880
<v Speaker 17>that go down as low as a five her credit school.

1250
01:01:56.679 --> 01:01:58.159
<v Speaker 6>See that's incredible.

1251
01:01:58.599 --> 01:02:03.360
<v Speaker 5>Now, obviously you have to match the program with your situation.

1252
01:02:03.960 --> 01:02:05.400
<v Speaker 6>But here's the important thing.

1253
01:02:05.880 --> 01:02:09.639
<v Speaker 5>If they do approve you at American Financing and you're

1254
01:02:09.800 --> 01:02:13.679
<v Speaker 5>in the loan and start making your payments, your credit

1255
01:02:14.320 --> 01:02:18.119
<v Speaker 5>will go up. I have a text here from someone

1256
01:02:18.159 --> 01:02:21.159
<v Speaker 5>who said they got a Smart Equity loan. They paid

1257
01:02:21.199 --> 01:02:25.519
<v Speaker 5>off twelve thousand dollars in debt, and because they weren't

1258
01:02:25.599 --> 01:02:30.119
<v Speaker 5>making those minimum payments and saving money, they started paying

1259
01:02:30.360 --> 01:02:35.480
<v Speaker 5>extra and they're almost done now, completely out of credit

1260
01:02:35.559 --> 01:02:39.119
<v Speaker 5>card debt in a little over a year, Casey, And

1261
01:02:39.239 --> 01:02:41.679
<v Speaker 5>it would have taken them what it would have taken

1262
01:02:41.760 --> 01:02:45.320
<v Speaker 5>them maybe ten years if they were doing minimum payments.

1263
01:02:46.280 --> 01:02:48.480
<v Speaker 17>Probably even longer than that. And then yeah, when we're

1264
01:02:48.480 --> 01:02:51.440
<v Speaker 17>talking about the monthly saving, those are minimum payments, and

1265
01:02:52.079 --> 01:02:54.800
<v Speaker 17>as you know, minimum payments on credit cards barely touched

1266
01:02:54.840 --> 01:02:55.360
<v Speaker 17>the principle.

1267
01:02:55.400 --> 01:02:56.679
<v Speaker 9>Most that just goes to interest.

1268
01:02:57.360 --> 01:02:59.960
<v Speaker 17>Yeah, even if you just continue with the same payment,

1269
01:03:00.400 --> 01:03:02.440
<v Speaker 17>I guess that equity loan versus the credit card A

1270
01:03:02.440 --> 01:03:04.880
<v Speaker 17>you're going to have it paid off tremendously faster.

1271
01:03:06.000 --> 01:03:10.400
<v Speaker 5>And someone wants to know about as far as loan costs,

1272
01:03:10.480 --> 01:03:12.960
<v Speaker 5>can any of them be built into the loan.

1273
01:03:14.280 --> 01:03:17.480
<v Speaker 17>Yes, absolutely, And American Financing we're one of the fue

1274
01:03:17.559 --> 01:03:20.480
<v Speaker 17>leaders out there that to try to include every single

1275
01:03:20.840 --> 01:03:22.960
<v Speaker 17>post size of the one. Even that crazy, I know

1276
01:03:23.079 --> 01:03:23.639
<v Speaker 17>most people are.

1277
01:03:27.360 --> 01:03:29.239
<v Speaker 5>Are you still there, case I'm sorry, I think you

1278
01:03:29.360 --> 01:03:34.519
<v Speaker 5>dropped out there. Is he still there, Casey? I think

1279
01:03:34.639 --> 01:03:40.119
<v Speaker 5>something got disconnected there, So let's try to Okay, we'll

1280
01:03:40.199 --> 01:03:41.400
<v Speaker 5>reconnect during this break.

1281
01:03:41.880 --> 01:03:46.599
<v Speaker 6>And one real quick, James, you have an issue.

1282
01:03:46.400 --> 01:03:50.000
<v Speaker 5>With a car injury with an injury in a car accident.

1283
01:03:50.239 --> 01:03:52.599
<v Speaker 6>We have John Fuller with us. What's the issue, man.

1284
01:03:53.400 --> 01:03:56.519
<v Speaker 15>Well, I don't know. I may have screwed myself because

1285
01:03:56.639 --> 01:03:59.159
<v Speaker 15>I was going north on twenty five and the guy

1286
01:03:59.320 --> 01:04:02.719
<v Speaker 15>ran into thet of me at about twenty miles an hour.

1287
01:04:04.280 --> 01:04:05.079
<v Speaker 9>We pulled over.

1288
01:04:06.639 --> 01:04:09.800
<v Speaker 15>I took a picture of his license He didn't he said,

1289
01:04:10.199 --> 01:04:16.079
<v Speaker 15>I had to take a picture of his insurance company's card.

1290
01:04:17.000 --> 01:04:17.519
<v Speaker 11>He didn't have.

1291
01:04:17.719 --> 01:04:21.400
<v Speaker 15>He couldn't reach his insurance company. And I took a

1292
01:04:21.480 --> 01:04:26.719
<v Speaker 15>picture of his license plate and it expired me twenty

1293
01:04:26.920 --> 01:04:32.480
<v Speaker 15>twenty four and this was last Thursday, and he had

1294
01:04:32.559 --> 01:04:33.719
<v Speaker 15>to go, he said.

1295
01:04:33.960 --> 01:04:38.079
<v Speaker 5>And I also, well, okay, we're going to talk about this.

1296
01:04:38.239 --> 01:04:40.760
<v Speaker 5>Hold on because there may be you may have a

1297
01:04:40.840 --> 01:04:46.719
<v Speaker 5>big problem on your hands. I'm Tom Martino. Go with

1298
01:04:46.840 --> 01:04:50.280
<v Speaker 5>a sure thing Denver's Best roofer Excel roofing dot com.

1299
01:04:50.440 --> 01:04:52.440
<v Speaker 12>You don't pay a cent until you're content.

1300
01:04:55.840 --> 01:04:59.360
<v Speaker 5>Time for an insurance checkup, free no obligation comparison call

1301
01:04:59.480 --> 01:05:02.760
<v Speaker 5>Compass Insurance paying too much your coverage at dozens of

1302
01:05:02.840 --> 01:05:05.760
<v Speaker 5>insurance companies find out now three oh three, seven seven

1303
01:05:05.800 --> 01:05:08.559
<v Speaker 5>to one help. You'll think you're his only customer when

1304
01:05:08.599 --> 01:05:10.880
<v Speaker 5>you choose Frank durand the real estate Man dot com

1305
01:05:11.119 --> 01:05:14.199
<v Speaker 5>to list your home with Remax Alliance three oh three

1306
01:05:14.320 --> 01:05:20.519
<v Speaker 5>nine two zero sixteen twenty two. Hi Tom Martino here

1307
01:05:20.599 --> 01:05:24.079
<v Speaker 5>three three seven one three talk seven one three eight

1308
01:05:24.119 --> 01:05:28.000
<v Speaker 5>two five five Casey shortcross with us from American Financing

1309
01:05:28.440 --> 01:05:33.239
<v Speaker 5>and somebody wanted to know about the uh casey the

1310
01:05:33.440 --> 01:05:37.199
<v Speaker 5>application process. Okay, how do they get started? What do

1311
01:05:37.320 --> 01:05:37.960
<v Speaker 5>they expect?

1312
01:05:38.400 --> 01:05:39.199
<v Speaker 6>Is it online?

1313
01:05:39.519 --> 01:05:40.400
<v Speaker 5>Do they have to go in?

1314
01:05:40.840 --> 01:05:42.280
<v Speaker 6>Walk us through the process.

1315
01:05:43.920 --> 01:05:46.599
<v Speaker 17>He is a great our website at American Financing dot net.

1316
01:05:46.760 --> 01:05:49.119
<v Speaker 17>Or give us a call may number. Here's three zero

1317
01:05:49.280 --> 01:05:53.960
<v Speaker 17>three six ninety five seven thousand. We'll walk you through It.

1318
01:05:54.360 --> 01:05:56.800
<v Speaker 17>Takes about ten minutes on an initial phone call for

1319
01:05:56.880 --> 01:05:59.239
<v Speaker 17>us to get your information, kind of get your goals

1320
01:05:59.280 --> 01:06:02.440
<v Speaker 17>in mind, and then we run different scenarios for you.

1321
01:06:03.440 --> 01:06:05.159
<v Speaker 17>You're more than welcome to come into our office here

1322
01:06:05.639 --> 01:06:08.000
<v Speaker 17>in Aurora if you would like. But at the same time,

1323
01:06:08.039 --> 01:06:10.760
<v Speaker 17>we do the majority of it online. Most of our

1324
01:06:10.760 --> 01:06:12.440
<v Speaker 17>customers just prefer to keep it that way.

1325
01:06:13.079 --> 01:06:13.360
<v Speaker 6>We can.

1326
01:06:13.519 --> 01:06:15.679
<v Speaker 17>We can do pretty much everything except for the closing

1327
01:06:16.039 --> 01:06:16.760
<v Speaker 17>fully revote.

1328
01:06:17.960 --> 01:06:18.960
<v Speaker 6>So let me get this straight.

1329
01:06:19.239 --> 01:06:22.519
<v Speaker 5>If I go to American Financing dot net, I can

1330
01:06:22.639 --> 01:06:25.559
<v Speaker 5>actually start and complete an application.

1331
01:06:27.159 --> 01:06:29.440
<v Speaker 17>You can put your initial information online. What it'll do

1332
01:06:29.599 --> 01:06:32.519
<v Speaker 17>is it'll queue up and we'll give you a call

1333
01:06:32.639 --> 01:06:35.480
<v Speaker 17>in and gather the rest of the information for you.

1334
01:06:35.840 --> 01:06:38.440
<v Speaker 6>I actually like that better. I actually like that better.

1335
01:06:38.519 --> 01:06:41.679
<v Speaker 5>So I go online, start the application process, and a

1336
01:06:41.800 --> 01:06:45.639
<v Speaker 5>counselor from American Financing will then call me and help

1337
01:06:45.719 --> 01:06:50.360
<v Speaker 5>me finish it. Yep, absolutely, And the whole process will

1338
01:06:50.400 --> 01:06:53.320
<v Speaker 5>take about ten minutes, a few minutes online by yourself maybe,

1339
01:06:53.360 --> 01:06:55.519
<v Speaker 5>and then by the time you get to a rep

1340
01:06:55.559 --> 01:06:58.800
<v Speaker 5>it's about ten minutes. Then once the application is complete,

1341
01:06:59.079 --> 01:07:01.239
<v Speaker 5>how long does it take to get approval or denial?

1342
01:07:03.280 --> 01:07:06.719
<v Speaker 17>Every every scenario is different, depending on you know, the credit,

1343
01:07:06.760 --> 01:07:08.880
<v Speaker 17>the income, all that kind of stuff. It takes different amounts.

1344
01:07:08.920 --> 01:07:11.760
<v Speaker 17>But we can do once you do that first initial call,

1345
01:07:11.840 --> 01:07:14.360
<v Speaker 17>get down the information you give us a couple of hours,

1346
01:07:14.440 --> 01:07:17.039
<v Speaker 17>we can work up the different scenarios for you, go

1347
01:07:17.159 --> 01:07:19.840
<v Speaker 17>over those with you online and let you know whatever

1348
01:07:19.920 --> 01:07:21.840
<v Speaker 17>game looks like. And then at that point, once we're

1349
01:07:21.920 --> 01:07:24.199
<v Speaker 17>ready to move forward, we we you know, gather your

1350
01:07:24.239 --> 01:07:27.920
<v Speaker 17>documents and get your filing the processing towards the actual approval.

1351
01:07:28.519 --> 01:07:31.559
<v Speaker 17>But but again we can get your numbers same day,

1352
01:07:31.599 --> 01:07:33.239
<v Speaker 17>within it within a few hours.

1353
01:07:33.519 --> 01:07:36.599
<v Speaker 5>So really within a few hours the bulk of the

1354
01:07:36.719 --> 01:07:40.199
<v Speaker 5>work is done and then you get your official approval.

1355
01:07:40.679 --> 01:07:42.480
<v Speaker 6>Then what what does closing look like?

1356
01:07:44.400 --> 01:07:47.599
<v Speaker 17>Closing is done, There are some documents that have to

1357
01:07:47.639 --> 01:07:50.800
<v Speaker 17>be signed in person, so there is a closing that

1358
01:07:50.920 --> 01:07:54.599
<v Speaker 17>takes place in person. Usually again up to the customer

1359
01:07:54.599 --> 01:07:56.159
<v Speaker 17>and what they want, but we can come out to

1360
01:07:56.239 --> 01:07:58.920
<v Speaker 17>your house. It's just a notary that comes up gets

1361
01:07:58.960 --> 01:08:02.840
<v Speaker 17>everything signed for you. Once everything's signed, you have a

1362
01:08:03.559 --> 01:08:06.480
<v Speaker 17>three day time period until we can fund the loan,

1363
01:08:06.519 --> 01:08:08.039
<v Speaker 17>and then the loan funds after that, that's when you

1364
01:08:08.119 --> 01:08:10.239
<v Speaker 17>get your cash to do whatever you want.

1365
01:08:10.679 --> 01:08:12.880
<v Speaker 5>And Casey, according to this one and that texted me,

1366
01:08:12.960 --> 01:08:17.000
<v Speaker 5>said they literally never left the house. They went online,

1367
01:08:17.359 --> 01:08:20.560
<v Speaker 5>they talked to American Financing, they were given approval the

1368
01:08:20.680 --> 01:08:23.439
<v Speaker 5>next day, They had a notary out to their house.

1369
01:08:23.800 --> 01:08:28.439
<v Speaker 5>Within a week, literally comes to their house in fifteen minutes,

1370
01:08:29.079 --> 01:08:29.720
<v Speaker 5>had it done.

1371
01:08:31.439 --> 01:08:34.560
<v Speaker 17>Yeah, we make the process super simple. We are able

1372
01:08:34.640 --> 01:08:36.920
<v Speaker 17>to electronically find a lot of the closing documents, so

1373
01:08:37.079 --> 01:08:39.279
<v Speaker 17>before that person even gets to your house, the majority

1374
01:08:39.319 --> 01:08:41.520
<v Speaker 17>of the documents are signed. They just sat down and

1375
01:08:41.600 --> 01:08:43.600
<v Speaker 17>signed a few. They need to be signed in person,

1376
01:08:44.840 --> 01:08:46.479
<v Speaker 17>super simple, short process and.

1377
01:08:46.960 --> 01:08:49.399
<v Speaker 5>Then you can get your cash you need to Someone

1378
01:08:49.439 --> 01:08:52.119
<v Speaker 5>wants to know do you make the dispersements to credit

1379
01:08:52.199 --> 01:08:54.159
<v Speaker 5>cards or do you leave it in a line of

1380
01:08:54.239 --> 01:08:55.800
<v Speaker 5>credit for the consumer to deal with?

1381
01:08:56.159 --> 01:08:57.880
<v Speaker 6>How does that work when you're.

1382
01:08:57.800 --> 01:09:01.399
<v Speaker 5>Taking it out specifically to pay off high interest credit.

1383
01:09:02.880 --> 01:09:06.199
<v Speaker 17>Everybody scenario is different. If you haven't qualify with just

1384
01:09:06.239 --> 01:09:08.439
<v Speaker 17>get in the lump sum. We'll make it simple before

1385
01:09:08.479 --> 01:09:09.800
<v Speaker 17>you give you the lump sum and you can pay

1386
01:09:09.840 --> 01:09:11.720
<v Speaker 17>it off. Some people do need to pay off some

1387
01:09:11.880 --> 01:09:14.079
<v Speaker 17>of the debt to qualify, and if it's one of

1388
01:09:14.079 --> 01:09:17.079
<v Speaker 17>those scenarios where you need to pay it down to qualify,

1389
01:09:17.600 --> 01:09:20.039
<v Speaker 17>then we would get the money made out directly to

1390
01:09:20.159 --> 01:09:23.119
<v Speaker 17>those creditors to be paid directly.

1391
01:09:23.960 --> 01:09:28.960
<v Speaker 5>Okay, so that's Casey Schwartzkoff from American Financing dot net.

1392
01:09:29.279 --> 01:09:31.520
<v Speaker 5>Give them a call and get in on this and

1393
01:09:31.680 --> 01:09:35.800
<v Speaker 5>start wealth building three oh three six nine five seven thousand.

1394
01:09:36.199 --> 01:09:40.399
<v Speaker 5>Three oh three six nine five seven thousand Americanfinancing dot net.

1395
01:09:41.119 --> 01:09:44.399
<v Speaker 5>Go with a sure thing Denver's Best Roofer Excel roofing

1396
01:09:44.479 --> 01:09:47.119
<v Speaker 5>dot com. You don't pay a cent until you're content.

1397
01:09:50.520 --> 01:09:53.640
<v Speaker 5>Time for an insurance check up, free, no obligation comparison

1398
01:09:53.840 --> 01:09:57.359
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

1399
01:09:57.399 --> 01:10:00.199
<v Speaker 5>of insurance companies. Find out now three oh three seven

1400
01:10:00.239 --> 01:10:03.039
<v Speaker 5>seven to one help. You'll think you're his only customer

1401
01:10:03.079 --> 01:10:05.279
<v Speaker 5>when you choose Frank durand the real estate Man dot

1402
01:10:05.359 --> 01:10:08.640
<v Speaker 5>com to list your home with Remax Alliance three oh

1403
01:10:08.720 --> 01:10:10.800
<v Speaker 5>three nine two zero sixteen twenty two.

1404
01:10:16.199 --> 01:10:16.560
<v Speaker 11>Ripped.

1405
01:10:18.520 --> 01:10:24.359
<v Speaker 12>You need advice so you don't have you come run

1406
01:10:24.479 --> 01:10:26.159
<v Speaker 12>in just as fast as we can.

1407
01:10:27.439 --> 01:10:28.720
<v Speaker 6>Shooter's gonna help.

1408
01:10:29.039 --> 01:10:35.199
<v Speaker 4>Come man, This is the Troubleshooter Show. No Tom Martinez.

1409
01:10:36.119 --> 01:10:39.560
<v Speaker 5>Hello Tom here, and we have Major Mark Major at

1410
01:10:39.600 --> 01:10:43.279
<v Speaker 5>my side along with John Fuller, personal injury attorney and

1411
01:10:43.359 --> 01:10:49.079
<v Speaker 5>consumer advocate, and we are solving problems, answering questions, taking complaints,

1412
01:10:49.439 --> 01:10:51.800
<v Speaker 5>and making your life just a little easier.

1413
01:10:52.079 --> 01:10:53.560
<v Speaker 6>What do you have to do to be part of it?

1414
01:10:53.960 --> 01:10:56.680
<v Speaker 5>Just give us a call at three oh three seven

1415
01:10:56.760 --> 01:10:59.199
<v Speaker 5>one three talks seven one three eight two five five.

1416
01:10:59.239 --> 01:11:00.800
<v Speaker 6>This hour brought to you by renew Home.

1417
01:11:00.720 --> 01:11:04.680
<v Speaker 5>Innovations dot Com for the most beautiful walk in showers

1418
01:11:05.000 --> 01:11:08.840
<v Speaker 5>converted from those old ugly shower tub combos. You'll have

1419
01:11:08.960 --> 01:11:12.920
<v Speaker 5>a beautiful flat, no entry, no barrier to entry, smooth

1420
01:11:13.000 --> 01:11:18.000
<v Speaker 5>walkin threshold. You'll have perimeter drains, beautiful sheet porcelain walls

1421
01:11:18.039 --> 01:11:21.399
<v Speaker 5>with zero maintenance. But the beauty is unbelievable. They do

1422
01:11:21.520 --> 01:11:23.760
<v Speaker 5>it in two or three days and you have months

1423
01:11:23.880 --> 01:11:28.119
<v Speaker 5>to pay, months with no interest. Renew Home Innovations dot

1424
01:11:28.199 --> 01:11:30.479
<v Speaker 5>Com three oh three nine zero four to two thousand

1425
01:11:30.880 --> 01:11:32.880
<v Speaker 5>three O three nine are a four to two thousand.

1426
01:11:33.359 --> 01:11:38.279
<v Speaker 6>Hey, Drew is with us now and has a complaint. Drew,

1427
01:11:38.399 --> 01:11:39.319
<v Speaker 6>what's going on with you?

1428
01:11:40.840 --> 01:11:45.239
<v Speaker 18>Well, it happened eight days ago. It's very hot here

1429
01:11:45.840 --> 01:11:48.319
<v Speaker 18>a New Jersey, and I'm an old man seventy eight

1430
01:11:48.439 --> 01:11:52.920
<v Speaker 18>years old. Federal Court to sable. I'm crippled because I

1431
01:11:52.960 --> 01:11:56.319
<v Speaker 18>got there's a pedestrian, so anybody can see them crippled.

1432
01:11:57.279 --> 01:11:59.960
<v Speaker 18>I went to home depot first thing in the morning

1433
01:12:01.119 --> 01:12:03.760
<v Speaker 18>and I told him you can see them crippled. I

1434
01:12:03.880 --> 01:12:07.319
<v Speaker 18>cannot install an air conditioner. I need to buy one

1435
01:12:07.399 --> 01:12:10.520
<v Speaker 18>and get installed. Show me how to use it today,

1436
01:12:11.880 --> 01:12:16.119
<v Speaker 18>hive six seven times. I repeated. They said yes, but

1437
01:12:16.319 --> 01:12:20.000
<v Speaker 18>they committed fraud. They just stumped it in the driveway

1438
01:12:20.560 --> 01:12:24.000
<v Speaker 18>and I was literally dying of heat. I called up

1439
01:12:24.039 --> 01:12:28.520
<v Speaker 18>the East Hanover Police. They saved my life. They came in.

1440
01:12:29.359 --> 01:12:32.279
<v Speaker 18>I collapsed on astar from the heat. He go them

1441
01:12:32.319 --> 01:12:35.680
<v Speaker 18>picked me up. Well, the third one installed the air conditioner.

1442
01:12:36.560 --> 01:12:42.079
<v Speaker 18>They saved my life. And Home Depot was corrupt. In

1443
01:12:42.199 --> 01:12:46.479
<v Speaker 18>my opinion, they committed fraud. When I called him back

1444
01:12:46.520 --> 01:12:49.560
<v Speaker 18>to install and correct their mistake, they didn't care.

1445
01:12:51.840 --> 01:12:56.399
<v Speaker 5>So Drew, let's examine this. You went Home Depot to

1446
01:12:56.560 --> 01:12:59.960
<v Speaker 5>buy an AC and they sold you on. And where

1447
01:13:00.199 --> 01:13:04.840
<v Speaker 5>did they become corrupt? Did you have a contract with

1448
01:13:04.960 --> 01:13:06.039
<v Speaker 5>them to install it.

1449
01:13:09.720 --> 01:13:12.760
<v Speaker 18>There was the assistant manager who said they would install it.

1450
01:13:13.359 --> 01:13:16.079
<v Speaker 18>I repeated it. He said yes. He sent me over

1451
01:13:16.800 --> 01:13:19.079
<v Speaker 18>to lay a big lady and.

1452
01:13:20.640 --> 01:13:24.560
<v Speaker 5>She so they promised, They promised you they would help

1453
01:13:24.640 --> 01:13:25.279
<v Speaker 5>you install it.

1454
01:13:26.439 --> 01:13:29.399
<v Speaker 18>Yes, where they were tricky. They gave me the were

1455
01:13:29.439 --> 01:13:32.439
<v Speaker 18>a seat with the two hundred and ninety eight dollars

1456
01:13:32.560 --> 01:13:36.840
<v Speaker 18>I paid, and a little signe print they checked off outside.

1457
01:13:37.279 --> 01:13:40.079
<v Speaker 18>They didn't tell me. They didn't show me. Okay, we're

1458
01:13:40.119 --> 01:13:42.760
<v Speaker 18>going to deliver, install and show me how to see.

1459
01:13:42.800 --> 01:13:45.760
<v Speaker 5>So there was the receipt actually shows they were going

1460
01:13:45.840 --> 01:13:46.560
<v Speaker 5>to drop it off.

1461
01:13:48.199 --> 01:13:51.520
<v Speaker 18>Yes, but the pages two and three, who agree to

1462
01:13:51.600 --> 01:13:55.439
<v Speaker 18>the contract, you have to sign it initially andated I

1463
01:13:55.520 --> 01:13:58.000
<v Speaker 18>didn't sign it because they never showed me anything. All

1464
01:13:58.039 --> 01:13:59.600
<v Speaker 18>they were trying to do was give me to buy

1465
01:13:59.680 --> 01:14:03.039
<v Speaker 18>their conditioner. Tell me any lie they came to.

1466
01:14:04.279 --> 01:14:06.800
<v Speaker 5>Do you really believe they were hurting that much to

1467
01:14:06.920 --> 01:14:08.439
<v Speaker 5>sell an air conditioner.

1468
01:14:08.039 --> 01:14:08.680
<v Speaker 11>That they did that?

1469
01:14:10.079 --> 01:14:10.479
<v Speaker 9>I don't know.

1470
01:14:10.560 --> 01:14:16.439
<v Speaker 6>I can't under an eighty dollars air conditioner. Drew. You understand, Drew.

1471
01:14:16.680 --> 01:14:20.159
<v Speaker 5>You listen, We've had our We've had our agreements and

1472
01:14:20.199 --> 01:14:24.039
<v Speaker 5>disagreements over the years, and truly I listen to you,

1473
01:14:24.199 --> 01:14:27.880
<v Speaker 5>honest to God, with an open mind. But I really

1474
01:14:28.439 --> 01:14:33.239
<v Speaker 5>believe sometimes you're finding trouble where yes, there is trouble,

1475
01:14:33.359 --> 01:14:37.000
<v Speaker 5>but no, there isn't necessarily accountability.

1476
01:14:38.039 --> 01:14:40.520
<v Speaker 18>What do you feel they owe Colorado?

1477
01:14:41.600 --> 01:14:45.560
<v Speaker 6>Well, it doesn't what okay, what do you believe they

1478
01:14:45.640 --> 01:14:47.520
<v Speaker 6>owe you? Right now? Home Depot?

1479
01:14:48.680 --> 01:14:50.800
<v Speaker 18>Well, I don't know. I was going to ask you

1480
01:14:50.960 --> 01:14:54.479
<v Speaker 18>the same thing, but I collapsed on the ground. I

1481
01:14:54.640 --> 01:14:57.920
<v Speaker 18>nearly died. Police saved my life. The police told me

1482
01:14:58.000 --> 01:15:02.039
<v Speaker 18>to call Home Depot again, so I called him repeatedly.

1483
01:15:02.600 --> 01:15:06.880
<v Speaker 18>They didn't care, Tom, they didn't care, So just get

1484
01:15:06.920 --> 01:15:08.520
<v Speaker 18>the sale and the heck with the customer.

1485
01:15:08.640 --> 01:15:08.840
<v Speaker 10>Drew.

1486
01:15:09.479 --> 01:15:11.479
<v Speaker 7>I do want to say this though, I mean, Drew,

1487
01:15:11.560 --> 01:15:14.359
<v Speaker 7>it looks like you finally did go number two? Last

1488
01:15:14.399 --> 01:15:16.840
<v Speaker 7>time you called, you had a problem with the pharmacist.

1489
01:15:17.239 --> 01:15:18.319
<v Speaker 12>Yeah, what happened with that?

1490
01:15:18.800 --> 01:15:19.039
<v Speaker 11>Gave you?

1491
01:15:19.279 --> 01:15:20.399
<v Speaker 6>What happened with that one?

1492
01:15:20.399 --> 01:15:20.760
<v Speaker 18>Anymore?

1493
01:15:21.760 --> 01:15:22.880
<v Speaker 6>What happened with that one?

1494
01:15:23.000 --> 01:15:23.199
<v Speaker 11>Drew?

1495
01:15:24.279 --> 01:15:28.960
<v Speaker 18>We're the best of friends. We had a lovely conversation yesterday.

1496
01:15:29.760 --> 01:15:31.079
<v Speaker 6>Did he do anything for you?

1497
01:15:33.279 --> 01:15:33.439
<v Speaker 9>Yeah?

1498
01:15:33.479 --> 01:15:36.319
<v Speaker 18>He shows me where the medicines are advises me.

1499
01:15:37.479 --> 01:15:40.279
<v Speaker 5>Okay, but did you did you you wanted us to

1500
01:15:40.359 --> 01:15:42.960
<v Speaker 5>call the owner of the pharmacy and you thought he

1501
01:15:43.159 --> 01:15:45.359
<v Speaker 5>might help pay for your injuries.

1502
01:15:50.039 --> 01:15:53.520
<v Speaker 18>I don't think that's relevant. What's relevant his home depot

1503
01:15:54.199 --> 01:15:58.119
<v Speaker 18>is probably doing to other people and it should be investigated.

1504
01:15:58.600 --> 01:16:02.079
<v Speaker 5>Okay, Okay. So here's what would be wrong, and I'm

1505
01:16:02.159 --> 01:16:05.119
<v Speaker 5>serious about this, Drew. If you went there to buy

1506
01:16:05.159 --> 01:16:09.039
<v Speaker 5>an AC and they told you, yes, we will install it,

1507
01:16:09.560 --> 01:16:14.039
<v Speaker 5>but then they checked something else off. Do you have

1508
01:16:14.159 --> 01:16:16.640
<v Speaker 5>any proof they told you they would. They admit it

1509
01:16:16.800 --> 01:16:18.319
<v Speaker 5>that they promised to install it.

1510
01:16:21.479 --> 01:16:24.439
<v Speaker 18>The only proof I have is it's a three page

1511
01:16:24.479 --> 01:16:27.720
<v Speaker 18>sickument and for it to be legal you have to

1512
01:16:27.880 --> 01:16:30.439
<v Speaker 18>sign it and date it. It's not sign it's not

1513
01:16:30.680 --> 01:16:33.840
<v Speaker 18>dated because they never shown it to me. All they

1514
01:16:33.960 --> 01:16:36.039
<v Speaker 18>said was received for the money paid.

1515
01:16:38.319 --> 01:16:41.760
<v Speaker 6>All right, so what do you want? Let's ask that question.

1516
01:16:42.279 --> 01:16:45.079
<v Speaker 5>I know what the problem is now, you feel that

1517
01:16:45.239 --> 01:16:48.880
<v Speaker 5>home Depot lacked a breach to contract with you to

1518
01:16:49.000 --> 01:16:49.840
<v Speaker 5>install the AC.

1519
01:16:50.399 --> 01:16:53.039
<v Speaker 6>You almost died. By the way, who ended.

1520
01:16:52.920 --> 01:17:01.600
<v Speaker 5>Up installing the AC the police, They actually installed it

1521
01:17:01.720 --> 01:17:02.039
<v Speaker 5>for you.

1522
01:17:03.319 --> 01:17:06.119
<v Speaker 18>Yes, and they picked me up off the ground. I

1523
01:17:06.239 --> 01:17:11.640
<v Speaker 18>nearly died. CBS News was here. They interviewed me for

1524
01:17:12.119 --> 01:17:13.119
<v Speaker 18>thirty five minutes.

1525
01:17:14.720 --> 01:17:17.119
<v Speaker 5>Was it on the news? Was it on the news?

1526
01:17:18.960 --> 01:17:19.399
<v Speaker 13>I don't know.

1527
01:17:19.520 --> 01:17:20.439
<v Speaker 18>I don't watch TV.

1528
01:17:21.520 --> 01:17:25.640
<v Speaker 6>Okay, So how are you doing now after this incident.

1529
01:17:26.800 --> 01:17:29.840
<v Speaker 18>I'm doing okay now, and I really I am very

1530
01:17:29.880 --> 01:17:33.640
<v Speaker 18>impressed with the police. They saved my life. They wrote there.

1531
01:17:33.720 --> 01:17:36.840
<v Speaker 18>I have their names. I gave their names to CBS,

1532
01:17:37.840 --> 01:17:42.279
<v Speaker 18>and I think that Home Depot. My suggestion is you

1533
01:17:42.359 --> 01:17:44.479
<v Speaker 18>guys should make a phone call. Let Mark make a

1534
01:17:44.520 --> 01:17:45.600
<v Speaker 18>phone call or somebody.

1535
01:17:46.359 --> 01:17:50.680
<v Speaker 5>And we got John here today, John Fuller as a

1536
01:17:50.760 --> 01:17:54.000
<v Speaker 5>personal injury attorney. I know he's going to say, you

1537
01:17:54.039 --> 01:17:56.680
<v Speaker 5>don't have a case. I mean, because you don't. They

1538
01:17:56.840 --> 01:17:59.720
<v Speaker 5>dropped off an air conditioner. They can't be blamed for

1539
01:17:59.800 --> 01:18:00.880
<v Speaker 5>what happened after that.

1540
01:18:02.720 --> 01:18:12.199
<v Speaker 6>Yeah, I mean, yeah, this sounds terrible. I understand that, Drew.

1541
01:18:12.479 --> 01:18:16.640
<v Speaker 5>But they listen, if you bought an AC and they

1542
01:18:16.800 --> 01:18:20.199
<v Speaker 5>delivered it, they can't be blamed for what happened after

1543
01:18:20.279 --> 01:18:22.960
<v Speaker 5>they delivered it. The fact that you fainted in the

1544
01:18:23.079 --> 01:18:24.720
<v Speaker 5>heat is not their fault.

1545
01:18:25.159 --> 01:18:27.359
<v Speaker 6>So I don't know how they do Home Depot up

1546
01:18:27.399 --> 01:18:28.760
<v Speaker 6>there where Drew is.

1547
01:18:29.000 --> 01:18:33.840
<v Speaker 13>But I have never seen a home Depot personnel installed anything.

1548
01:18:34.359 --> 01:18:36.840
<v Speaker 6>They use subs for that. They only act as a

1549
01:18:36.920 --> 01:18:39.399
<v Speaker 6>coordinator to hire some No, that's true.

1550
01:18:39.520 --> 01:18:42.720
<v Speaker 13>Fact or so just the premise that that home Depot

1551
01:18:42.840 --> 01:18:45.319
<v Speaker 13>was going to come out and install this thing when

1552
01:18:46.079 --> 01:18:46.680
<v Speaker 13>I just don't.

1553
01:18:46.800 --> 01:18:47.800
<v Speaker 6>I don't buy the premise.

1554
01:18:48.079 --> 01:18:50.439
<v Speaker 5>So no, no, But but Drew, here's the point I

1555
01:18:50.560 --> 01:18:52.880
<v Speaker 5>want to make, and I want to help. I want

1556
01:18:52.920 --> 01:18:57.840
<v Speaker 5>you to help me understand. Why is home Depot responsible

1557
01:18:57.920 --> 01:18:59.640
<v Speaker 5>for you passing out in the sun?

1558
01:19:00.920 --> 01:19:03.640
<v Speaker 18>Because my place was like and I told them that,

1559
01:19:04.199 --> 01:19:07.359
<v Speaker 18>I said I need this delivered today and then Sam

1560
01:19:08.000 --> 01:19:10.680
<v Speaker 18>and shown how to use it. You can't do that.

1561
01:19:10.840 --> 01:19:14.119
<v Speaker 18>I'm not buying. I'll go elsewhere well to make hell

1562
01:19:14.760 --> 01:19:16.720
<v Speaker 18>they line and line and line and line.

1563
01:19:17.520 --> 01:19:18.680
<v Speaker 6>Okay, And I don't.

1564
01:19:18.560 --> 01:19:21.079
<v Speaker 7>Think anybody that works at home Depot, Drew, and I

1565
01:19:21.199 --> 01:19:24.439
<v Speaker 7>mean this, I don't think they give a crap about

1566
01:19:24.479 --> 01:19:28.239
<v Speaker 7>a two hundred and eighty dollars sale. If you were

1567
01:19:28.359 --> 01:19:31.880
<v Speaker 7>buying Home Depot itself, maybe they'd care.

1568
01:19:31.920 --> 01:19:33.880
<v Speaker 13>If you can't walk in there and say here are

1569
01:19:33.960 --> 01:19:36.560
<v Speaker 13>my conditions, or else I'm gonna walk. Okay, you have

1570
01:19:36.720 --> 01:19:39.039
<v Speaker 13>to come to my house, install it and show me

1571
01:19:39.119 --> 01:19:40.800
<v Speaker 13>how to operate it, or I'm out of here.

1572
01:19:40.880 --> 01:19:41.680
<v Speaker 6>I'm not gonna buy it.

1573
01:19:41.800 --> 01:19:44.159
<v Speaker 7>I bought a bunch of wood there last year and

1574
01:19:44.319 --> 01:19:46.520
<v Speaker 7>they delivered it, but they didn't build the DNA.

1575
01:19:46.720 --> 01:19:48.560
<v Speaker 13>You're gonna come to my house and build a deck

1576
01:19:48.640 --> 01:19:51.079
<v Speaker 13>and then put stain and everything else on it.

1577
01:19:51.279 --> 01:19:53.880
<v Speaker 6>And or else I'm going to walk, Drew. I don't think.

1578
01:19:54.199 --> 01:19:56.640
<v Speaker 6>I'm telling you with all seriousness.

1579
01:19:56.159 --> 01:19:59.960
<v Speaker 5>Drew, I don't think we can hold Home Depot responsible

1580
01:20:00.640 --> 01:20:04.560
<v Speaker 5>for anything that happened that day they dropped.

1581
01:20:04.279 --> 01:20:04.720
<v Speaker 6>Off the air.

1582
01:20:05.239 --> 01:20:08.119
<v Speaker 18>I admit to you, and yes, we did promise and

1583
01:20:08.239 --> 01:20:10.640
<v Speaker 18>we were going with and we didn't hold on.

1584
01:20:11.359 --> 01:20:15.000
<v Speaker 5>Okay, then if that's the case, then you would be

1585
01:20:15.159 --> 01:20:18.399
<v Speaker 5>due some kind of money toward the installation.

1586
01:20:18.600 --> 01:20:21.479
<v Speaker 6>But you didn't pay for the installation or.

1587
01:20:21.520 --> 01:20:22.840
<v Speaker 18>Give the money to the police.

1588
01:20:26.039 --> 01:20:29.239
<v Speaker 5>That's why I'm asking, Drew, what what do you want?

1589
01:20:29.359 --> 01:20:32.039
<v Speaker 5>That's what I'm asking you. Let's say you're right and

1590
01:20:32.159 --> 01:20:34.880
<v Speaker 5>home Depot lied to you, what do you think you

1591
01:20:35.079 --> 01:20:38.359
<v Speaker 5>deserve as a result. I always say this at the

1592
01:20:38.520 --> 01:20:42.359
<v Speaker 5>end of every call. I always say this, so therefore

1593
01:20:43.079 --> 01:20:46.359
<v Speaker 5>fill in the blank. So, okay, home Depot lied to

1594
01:20:46.439 --> 01:20:49.680
<v Speaker 5>me about the air conditioner, So therefore.

1595
01:20:50.119 --> 01:20:52.439
<v Speaker 18>So therefore give them money to the police.

1596
01:20:53.279 --> 01:20:53.960
<v Speaker 6>What money?

1597
01:20:54.560 --> 01:20:58.359
<v Speaker 18>What money, fear or whatever it is?

1598
01:20:58.520 --> 01:21:01.119
<v Speaker 6>Okay, So you on us to call.

1599
01:21:01.000 --> 01:21:03.800
<v Speaker 5>Over there and tell them that because they did not

1600
01:21:04.000 --> 01:21:07.399
<v Speaker 5>install it, they should give the money to the police

1601
01:21:07.560 --> 01:21:10.520
<v Speaker 5>who did install it. Then the next question is going

1602
01:21:10.600 --> 01:21:14.239
<v Speaker 5>to be how much did Drew pay for the installation? Drew,

1603
01:21:14.399 --> 01:21:16.239
<v Speaker 5>do you know that if you were going to have

1604
01:21:16.359 --> 01:21:19.520
<v Speaker 5>it installed it would have been extra, right, it would

1605
01:21:19.560 --> 01:21:20.359
<v Speaker 5>have cost more.

1606
01:21:20.840 --> 01:21:23.079
<v Speaker 13>Hold on, Tom, what what kind of unit is this?

1607
01:21:23.319 --> 01:21:25.640
<v Speaker 13>Is this just a window unit? Are we talking literally?

1608
01:21:25.720 --> 01:21:27.600
<v Speaker 13>The installation is to pick it up, set it in

1609
01:21:27.680 --> 01:21:30.680
<v Speaker 13>the window, and plug it in right right, Yes, I

1610
01:21:31.920 --> 01:21:34.840
<v Speaker 13>understand that, But but that that tasked alone. How much

1611
01:21:34.840 --> 01:21:36.039
<v Speaker 13>were they going to charge you for that?

1612
01:21:37.199 --> 01:21:39.880
<v Speaker 18>The lady said to me, because I'm crippled.

1613
01:21:41.239 --> 01:21:44.039
<v Speaker 13>Okay, So okay, he was going to wave it for

1614
01:21:44.279 --> 01:21:48.560
<v Speaker 13>free and come out and deliver and see I'm just

1615
01:21:48.720 --> 01:21:49.199
<v Speaker 13>not buying it.

1616
01:21:49.279 --> 01:21:51.760
<v Speaker 18>That's not something, and I don't care if you're not.

1617
01:21:52.479 --> 01:21:55.319
<v Speaker 18>You're a jerk whoever you are. Okay, it's a true story.

1618
01:21:55.880 --> 01:21:59.239
<v Speaker 18>Police came out, got their names. They wouldn't have come

1619
01:21:59.279 --> 01:22:00.600
<v Speaker 18>out of face On was lying.

1620
01:22:01.039 --> 01:22:03.880
<v Speaker 6>I'm not saying that you weren't Drew, but nobody Drew.

1621
01:22:04.399 --> 01:22:08.560
<v Speaker 5>Nobody is denying your story that you almost fainted and died.

1622
01:22:08.560 --> 01:22:12.239
<v Speaker 6>I think they owe you anything in this particular circumstance.

1623
01:22:12.359 --> 01:22:15.640
<v Speaker 13>We're just saying that it's It would be outside of

1624
01:22:15.720 --> 01:22:18.760
<v Speaker 13>the realm of normal possibilities that Home Depot would have

1625
01:22:18.800 --> 01:22:23.000
<v Speaker 13>committed to have installed anything an air conditioned or otherwise,

1626
01:22:23.159 --> 01:22:26.359
<v Speaker 13>even given your condition. It would be a totally gratuitous

1627
01:22:26.399 --> 01:22:28.439
<v Speaker 13>act on the on the part of one of their staff.

1628
01:22:28.479 --> 01:22:31.319
<v Speaker 13>But it wouldn't be something that somebody acting on behalf

1629
01:22:31.359 --> 01:22:34.000
<v Speaker 13>of Home Depot would have committed them to themselves to do.

1630
01:22:34.279 --> 01:22:34.640
<v Speaker 6>Period.

1631
01:22:35.000 --> 01:22:35.920
<v Speaker 18>It was this idiot on.

1632
01:22:37.159 --> 01:22:40.399
<v Speaker 6>He's a personal he's a personal injury attorney. Sorry, what

1633
01:22:40.439 --> 01:22:41.720
<v Speaker 6>are you talking about, Drew?

1634
01:22:41.800 --> 01:22:43.560
<v Speaker 12>Why are you calling names like that?

1635
01:22:44.239 --> 01:22:45.199
<v Speaker 6>That's not nice.

1636
01:22:46.359 --> 01:22:49.399
<v Speaker 18>Three women were child at a party last night. This

1637
01:22:49.560 --> 01:22:51.439
<v Speaker 18>is New Jersey, it's not Colorado.

1638
01:22:52.239 --> 01:22:54.399
<v Speaker 6>What does that have to do with anything the laws.

1639
01:22:54.479 --> 01:22:55.880
<v Speaker 6>The law bro got me on.

1640
01:22:55.920 --> 01:23:00.640
<v Speaker 18>That one loss a law they lied to a sale.

1641
01:23:01.399 --> 01:23:03.199
<v Speaker 6>No, they didn't know, they didn't.

1642
01:23:04.319 --> 01:23:06.119
<v Speaker 18>You guys could phone it up. And by the way,

1643
01:23:06.720 --> 01:23:07.760
<v Speaker 18>you're saying I'm wrong on.

1644
01:23:07.840 --> 01:23:11.760
<v Speaker 6>This, Tom, I'm not saying you're wrong. I'm not saying

1645
01:23:11.800 --> 01:23:14.199
<v Speaker 6>you're wrong. You're way off on this. Now here's what

1646
01:23:14.279 --> 01:23:16.520
<v Speaker 6>I'm saying. Listen to me carefully, Drew Arry.

1647
01:23:16.800 --> 01:23:19.600
<v Speaker 7>This is like when you walked into a tailgate on

1648
01:23:19.760 --> 01:23:22.520
<v Speaker 7>someone's truck and wanted to sue the truck.

1649
01:23:24.399 --> 01:23:29.439
<v Speaker 18>Drew, bring up by crazy mar True. He said to me, Tom,

1650
01:23:29.520 --> 01:23:31.880
<v Speaker 18>you want with that? And you said how much? I said,

1651
01:23:31.880 --> 01:23:32.760
<v Speaker 18>two hundred dollars?

1652
01:23:32.880 --> 01:23:34.239
<v Speaker 6>And how about this last one?

1653
01:23:34.359 --> 01:23:34.520
<v Speaker 15>Drew?

1654
01:23:34.560 --> 01:23:35.359
<v Speaker 6>Do you remember this?

1655
01:23:35.960 --> 01:23:40.520
<v Speaker 18>I can't go number two anymore. You made it been

1656
01:23:40.640 --> 01:23:44.079
<v Speaker 18>with me, Tom, I have the pay true? True, I

1657
01:23:44.159 --> 01:23:47.560
<v Speaker 18>got true thousand dollars. You gotsn of all that?

1658
01:23:47.680 --> 01:23:51.079
<v Speaker 5>Suff where'd you Oh wait, wait, did you settle? Wait

1659
01:23:51.119 --> 01:23:53.560
<v Speaker 5>a minute, seriously, did you settle for forty grand?

1660
01:23:54.399 --> 01:23:54.600
<v Speaker 11>Yes?

1661
01:23:55.399 --> 01:23:56.520
<v Speaker 15>You want me dollar?

1662
01:23:56.560 --> 01:23:57.239
<v Speaker 18>If that we made?

1663
01:23:57.399 --> 01:23:59.720
<v Speaker 6>And where did you get? Where did you get? Which

1664
01:23:59.760 --> 01:24:01.199
<v Speaker 6>one is that that you settled?

1665
01:24:02.880 --> 01:24:07.199
<v Speaker 18>That's one in the car was rare ended and I

1666
01:24:07.319 --> 01:24:11.039
<v Speaker 18>had minor damages, and I said, the one that Mark

1667
01:24:11.159 --> 01:24:12.079
<v Speaker 18>is making fun.

1668
01:24:11.960 --> 01:24:14.119
<v Speaker 6>Of where you ran into the tailgate.

1669
01:24:15.600 --> 01:24:17.039
<v Speaker 18>I didn't walk into a tailgate.

1670
01:24:17.119 --> 01:24:20.880
<v Speaker 5>It was Mark lak u Kon and the tailgate came

1671
01:24:20.960 --> 01:24:25.239
<v Speaker 5>up and hit him. Drew, I hope you understand. Listen carefully.

1672
01:24:25.760 --> 01:24:29.039
<v Speaker 5>I am not making fun of you. I just disagree

1673
01:24:29.079 --> 01:24:32.159
<v Speaker 5>with you on some of your premises. I believe what

1674
01:24:32.359 --> 01:24:35.399
<v Speaker 5>happened to you at home depot. I believe you went there,

1675
01:24:35.760 --> 01:24:38.479
<v Speaker 5>and I believe that they said, well get it out

1676
01:24:38.520 --> 01:24:41.760
<v Speaker 5>there today, and you misunderstood it that they were going

1677
01:24:41.840 --> 01:24:42.600
<v Speaker 5>to install it.

1678
01:24:43.039 --> 01:24:46.119
<v Speaker 18>I don't think you repeated it about seven times because

1679
01:24:46.159 --> 01:24:49.520
<v Speaker 18>it was an emergency. I couldn't breathe, and I said,

1680
01:24:49.520 --> 01:24:52.319
<v Speaker 18>I'm not trying it unless you agree to install it

1681
01:24:52.720 --> 01:24:55.720
<v Speaker 18>and show me how to use it. And seven six times,

1682
01:24:56.199 --> 01:24:56.479
<v Speaker 18>you know what.

1683
01:24:57.600 --> 01:25:00.000
<v Speaker 6>I even believe that that they might have exaggerated.

1684
01:25:00.520 --> 01:25:03.880
<v Speaker 5>I don't think now the individual salesperson might have done

1685
01:25:03.880 --> 01:25:07.079
<v Speaker 5>it to make a sale. But even but even so,

1686
01:25:08.359 --> 01:25:11.520
<v Speaker 5>you would have an impossible way for it be impossible

1687
01:25:11.560 --> 01:25:12.039
<v Speaker 5>to prove it.

1688
01:25:12.479 --> 01:25:13.239
<v Speaker 6>That's all we're.

1689
01:25:13.119 --> 01:25:16.520
<v Speaker 18>Saying, Drew, to find out if.

1690
01:25:16.439 --> 01:25:20.640
<v Speaker 6>They promise, okay, hold on, hold on is Chopper in

1691
01:25:20.680 --> 01:25:25.640
<v Speaker 6>the studio. Yes, I'm Shopper. He's gnawing on Shopper. I

1692
01:25:25.800 --> 01:25:29.760
<v Speaker 6>want you to call No hold on Drew, hold on everyone.

1693
01:25:30.199 --> 01:25:33.159
<v Speaker 5>I want Chopper to call, and I want him to

1694
01:25:33.279 --> 01:25:36.279
<v Speaker 5>make an inquiry if they promised to install it and

1695
01:25:36.399 --> 01:25:36.640
<v Speaker 5>did not.

1696
01:25:37.479 --> 01:25:38.199
<v Speaker 6>We'll do that.

1697
01:25:38.720 --> 01:25:43.960
<v Speaker 5>But listen, Drew, seriously, you're always honest to God, you're

1698
01:25:43.960 --> 01:25:49.279
<v Speaker 5>always on the war path with someone. I do listen

1699
01:25:49.359 --> 01:25:49.880
<v Speaker 5>with my ears.

1700
01:25:50.000 --> 01:25:54.279
<v Speaker 18>Police have the ID for the woman who lied. She

1701
01:25:54.399 --> 01:25:56.000
<v Speaker 18>was a big minority woman.

1702
01:25:58.760 --> 01:26:02.199
<v Speaker 5>What is he talking about now? God, we got to

1703
01:26:02.239 --> 01:26:03.640
<v Speaker 5>take it aver. I don't even know what the hell

1704
01:26:03.680 --> 01:26:06.680
<v Speaker 5>he's talking about now, A big yeah, a big old

1705
01:26:06.760 --> 01:26:15.159
<v Speaker 5>minority woman. Anyway, we got more coming up. Go with

1706
01:26:15.239 --> 01:26:18.680
<v Speaker 5>a sure thing Denver's best roofer Excel Roofing dot com.

1707
01:26:18.880 --> 01:26:24.560
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1708
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1709
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1710
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1711
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1712
01:26:35.000 --> 01:26:36.760
<v Speaker 12>You'll think you're his only customer.

1713
01:26:36.840 --> 01:26:39.000
<v Speaker 5>When you choose Frank durand the real estate Man dot

1714
01:26:39.119 --> 01:26:42.640
<v Speaker 5>com to list your home with Remax Alliance three three

1715
01:26:42.720 --> 01:26:49.840
<v Speaker 5>nine two zero sixteen twenty two. Hi Tom Martine, you're troubleshooter.

1716
01:26:51.239 --> 01:26:52.600
<v Speaker 6>Frank ran in real estate man.

1717
01:26:53.359 --> 01:26:55.159
<v Speaker 5>I'm giving you that name because he will do an

1718
01:26:55.199 --> 01:26:57.000
<v Speaker 5>analysis of your home and what it will sell for

1719
01:26:57.119 --> 01:26:59.199
<v Speaker 5>on the market. Right now, a lot of people are

1720
01:26:59.239 --> 01:27:02.319
<v Speaker 5>on sure what's going on with the interest rates, what's

1721
01:27:02.359 --> 01:27:04.600
<v Speaker 5>going on with the market, what's going on with supply

1722
01:27:04.680 --> 01:27:07.760
<v Speaker 5>and demand, what's going on with my comparables in my neighborhood.

1723
01:27:07.960 --> 01:27:11.279
<v Speaker 5>He'll look at all of those free, free of charge, complimentary.

1724
01:27:11.640 --> 01:27:14.640
<v Speaker 5>It's really not a drive by, trust me. It's a

1725
01:27:14.720 --> 01:27:17.079
<v Speaker 5>full analysis and he'll tell you what it will sell

1726
01:27:17.159 --> 01:27:19.840
<v Speaker 5>for on the market with his thirty years of experience.

1727
01:27:20.199 --> 01:27:23.159
<v Speaker 5>Frank randereal Estateman dot Com three h three nine two zero,

1728
01:27:23.279 --> 01:27:30.079
<v Speaker 5>sixteen twenty two. Laura has a problem with well, hold on, no, no,

1729
01:27:30.520 --> 01:27:32.199
<v Speaker 5>I got to go back to James. I'm so sorry

1730
01:27:32.520 --> 01:27:35.439
<v Speaker 5>I left off with James because Drew called. He was

1731
01:27:35.479 --> 01:27:37.960
<v Speaker 5>rear ended on I twenty five going north. They pulled

1732
01:27:38.039 --> 01:27:42.079
<v Speaker 5>over and he took a pick of the other guy's license.

1733
01:27:44.359 --> 01:27:46.920
<v Speaker 6>Did he take a picture of his driver's license or

1734
01:27:47.119 --> 01:27:48.039
<v Speaker 6>just the plate.

1735
01:27:49.119 --> 01:27:50.640
<v Speaker 15>Driver's license and the plate.

1736
01:27:50.760 --> 01:27:53.720
<v Speaker 6>Good deal, Okay, good good. So what's going on today, James?

1737
01:27:55.640 --> 01:27:58.920
<v Speaker 15>I called his supposed insurance company. I got no answer

1738
01:27:59.079 --> 01:28:02.920
<v Speaker 15>back from them, and I have pain in my neck

1739
01:28:03.039 --> 01:28:07.359
<v Speaker 15>and my leg since then, and I just don't know

1740
01:28:07.439 --> 01:28:07.800
<v Speaker 15>what to do.

1741
01:28:08.079 --> 01:28:10.079
<v Speaker 6>Well, you need to call John. I mean, I'll tell

1742
01:28:10.079 --> 01:28:11.720
<v Speaker 6>you what to do. Why wouldn't you call it? What

1743
01:28:11.920 --> 01:28:13.760
<v Speaker 6>you do, John, tell me what you would do in

1744
01:28:13.800 --> 01:28:15.520
<v Speaker 6>a case like this, James, what do you do in.

1745
01:28:15.560 --> 01:28:18.079
<v Speaker 5>A case like this where what if the guy just

1746
01:28:18.159 --> 01:28:19.439
<v Speaker 5>denied it happened altogether?

1747
01:28:19.800 --> 01:28:22.880
<v Speaker 6>Well, sometimes that happens. But James, who is the insurance company?

1748
01:28:22.920 --> 01:28:23.479
<v Speaker 6>We're dealing with.

1749
01:28:25.680 --> 01:28:29.199
<v Speaker 15>A rocket or something? It was not familiar with me,

1750
01:28:29.640 --> 01:28:33.800
<v Speaker 15>and and it wasn't his he couldn't show it was.

1751
01:28:34.359 --> 01:28:36.199
<v Speaker 6>Are you saying he was in a work truck it

1752
01:28:36.319 --> 01:28:39.079
<v Speaker 6>was a commercial policy, No.

1753
01:28:39.359 --> 01:28:42.800
<v Speaker 15>It was he was in his own I guess, private vehicle.

1754
01:28:43.279 --> 01:28:44.800
<v Speaker 15>It was an Audi Q three.

1755
01:28:45.600 --> 01:28:49.600
<v Speaker 6>Okay, So here's here's the situation.

1756
01:28:49.800 --> 01:28:52.079
<v Speaker 13>I mean, we you know, sometimes it's tough to get

1757
01:28:52.079 --> 01:28:54.159
<v Speaker 13>a hold of these companies, but we've we've been able

1758
01:28:54.199 --> 01:28:56.039
<v Speaker 13>to get a hold of most of them over the years.

1759
01:28:56.680 --> 01:28:58.920
<v Speaker 13>If the guy has insurance, we're going to be you know,

1760
01:28:59.079 --> 01:29:01.159
<v Speaker 13>mostly fine, and we'll be able to track them down.

1761
01:29:01.279 --> 01:29:04.520
<v Speaker 13>If you have insurance and we have full coverage and

1762
01:29:04.600 --> 01:29:06.680
<v Speaker 13>we have the option of at least starting the claim

1763
01:29:06.760 --> 01:29:09.560
<v Speaker 13>on your insurance. They have resources that we don't even

1764
01:29:09.640 --> 01:29:12.760
<v Speaker 13>have access to that can somehow see the existence of

1765
01:29:12.840 --> 01:29:16.039
<v Speaker 13>these other policies and assist us in actually getting to them,

1766
01:29:16.119 --> 01:29:19.000
<v Speaker 13>because any money that they don't have to pay, they

1767
01:29:19.159 --> 01:29:22.159
<v Speaker 13>prefer to not pay, and they'll actually help us find

1768
01:29:22.239 --> 01:29:24.680
<v Speaker 13>the exact policy that we're looking for on the other side.

1769
01:29:24.960 --> 01:29:26.119
<v Speaker 6>So we do have that option.

1770
01:29:26.239 --> 01:29:29.159
<v Speaker 13>Now, if you only have liability that complicates things a bit.

1771
01:29:29.680 --> 01:29:31.880
<v Speaker 13>That might put you in a position to where we

1772
01:29:32.000 --> 01:29:34.840
<v Speaker 13>have to track this person down and actually serve them

1773
01:29:34.960 --> 01:29:38.199
<v Speaker 13>and file a lawsuit against them to pursue your damages.

1774
01:29:38.560 --> 01:29:42.560
<v Speaker 13>As far as your injuries go. Then I don't know

1775
01:29:42.800 --> 01:29:45.560
<v Speaker 13>anything about you. But if you have the mandatory medical

1776
01:29:45.600 --> 01:29:48.560
<v Speaker 13>payments coverage on your policy, that's going to be step

1777
01:29:48.760 --> 01:29:52.119
<v Speaker 13>one to help you get some coverage. And then secondly,

1778
01:29:52.159 --> 01:29:55.520
<v Speaker 13>if you have private health insurance such as Medicaid, Medicare

1779
01:29:55.800 --> 01:29:58.239
<v Speaker 13>or even a private policy, that's going to be your

1780
01:29:58.319 --> 01:30:01.119
<v Speaker 13>secondary fallback for getting the care that you need. The

1781
01:30:01.199 --> 01:30:03.279
<v Speaker 13>rest of it we can take care of once we

1782
01:30:03.359 --> 01:30:04.479
<v Speaker 13>figure out this insurance.

1783
01:30:04.760 --> 01:30:06.119
<v Speaker 6>James, do you know if you have you?

1784
01:30:06.319 --> 01:30:06.600
<v Speaker 5>I am.

1785
01:30:06.760 --> 01:30:08.199
<v Speaker 6>Do you know your auto coverage?

1786
01:30:08.880 --> 01:30:09.079
<v Speaker 11>Yes?

1787
01:30:09.279 --> 01:30:11.520
<v Speaker 10>I have you I am good.

1788
01:30:11.760 --> 01:30:14.560
<v Speaker 13>So you're going to be covered, James, no matter what,

1789
01:30:14.680 --> 01:30:17.560
<v Speaker 13>even if this guy had no insurance at all, but

1790
01:30:17.760 --> 01:30:20.319
<v Speaker 13>you did the due diligence of getting those photographs of

1791
01:30:20.399 --> 01:30:23.560
<v Speaker 13>his of his insurance card and his license, you're going

1792
01:30:23.600 --> 01:30:26.399
<v Speaker 13>to be totally fine on your own insurance. And if

1793
01:30:26.439 --> 01:30:28.560
<v Speaker 13>it turns out he's got coverage, they're going to find

1794
01:30:28.640 --> 01:30:31.520
<v Speaker 13>that coverage and help us make the contact.

1795
01:30:31.600 --> 01:30:33.279
<v Speaker 6>We need to file the claim in the right place.

1796
01:30:33.359 --> 01:30:35.439
<v Speaker 7>When you go when you go after in a way

1797
01:30:35.600 --> 01:30:38.000
<v Speaker 7>like this, you're kind of going after your own insurance

1798
01:30:38.039 --> 01:30:40.720
<v Speaker 7>company because you bought the coverage. If someone hits you

1799
01:30:40.880 --> 01:30:45.119
<v Speaker 7>that's under insured or has no insurance, your insurance company

1800
01:30:45.199 --> 01:30:47.439
<v Speaker 7>steps up and basically pretends to be them.

1801
01:30:47.680 --> 01:30:47.880
<v Speaker 9>Yeah.

1802
01:30:48.119 --> 01:30:50.520
<v Speaker 6>So do you still need Do you still need an

1803
01:30:50.560 --> 01:30:51.840
<v Speaker 6>attorney at that point?

1804
01:30:52.199 --> 01:30:52.399
<v Speaker 9>Yeah?

1805
01:30:52.439 --> 01:30:55.960
<v Speaker 13>I think if your injuries are you know, serious injuries.

1806
01:30:56.039 --> 01:30:58.039
<v Speaker 13>We're not just talking a scrape or a bump, but

1807
01:30:58.119 --> 01:31:00.920
<v Speaker 13>a serious injury that needs treatment and evaluation, then I

1808
01:31:01.079 --> 01:31:02.760
<v Speaker 13>do think an attorney on your side is going to

1809
01:31:02.800 --> 01:31:05.880
<v Speaker 13>help you out. Unassure motors is a cool coverage because

1810
01:31:05.920 --> 01:31:08.920
<v Speaker 13>you buy it in the event that somebody else doesn't

1811
01:31:08.960 --> 01:31:11.720
<v Speaker 13>have the right coverage, And so the coolest thing about

1812
01:31:11.760 --> 01:31:13.760
<v Speaker 13>it is when you use it, the state law says

1813
01:31:13.800 --> 01:31:16.640
<v Speaker 13>they can't penalize you for it, and since you've already

1814
01:31:16.760 --> 01:31:20.960
<v Speaker 13>paid for it, there's really no downside to using that coverage. So, James,

1815
01:31:21.000 --> 01:31:22.720
<v Speaker 13>if you want to call my office later on, I'd

1816
01:31:22.760 --> 01:31:25.079
<v Speaker 13>be happy to walk you through in much greater detail

1817
01:31:25.199 --> 01:31:28.359
<v Speaker 13>how that whole process works. But there definitely are avenues

1818
01:31:28.359 --> 01:31:30.279
<v Speaker 13>that you can take to get some get some relief.

1819
01:31:30.359 --> 01:31:32.159
<v Speaker 14>Here more, what's your number?

1820
01:31:32.199 --> 01:31:35.640
<v Speaker 6>Start three three, five ninety seven forty five hundred.

1821
01:31:38.920 --> 01:31:42.319
<v Speaker 7>And that just John as a side note for people listening.

1822
01:31:42.840 --> 01:31:46.560
<v Speaker 7>I mean, we've had this conversation one hundred times. It's remarkable.

1823
01:31:46.680 --> 01:31:49.479
<v Speaker 7>We've had people that have two fifty five hundred in

1824
01:31:49.600 --> 01:31:53.079
<v Speaker 7>liability coverage and do not have you. I am so

1825
01:31:53.359 --> 01:31:57.399
<v Speaker 7>literally they're ensuring everybody else if they mess up, but

1826
01:31:57.520 --> 01:32:02.960
<v Speaker 7>they don't ensure themselves. Because where where does this mentality

1827
01:32:03.119 --> 01:32:05.960
<v Speaker 7>even come from? Is it the insurance companies?

1828
01:32:06.239 --> 01:32:10.359
<v Speaker 13>Well, I think personally this is a consequence of all

1829
01:32:10.399 --> 01:32:14.039
<v Speaker 13>the insurance companies making their insurance renewals and stuff online

1830
01:32:14.119 --> 01:32:17.119
<v Speaker 13>where people are just simply not informed about what the

1831
01:32:17.199 --> 01:32:19.920
<v Speaker 13>importance of these coverages are. I can't tell you how

1832
01:32:19.960 --> 01:32:22.640
<v Speaker 13>many people over the twenty almost four years that I've

1833
01:32:22.640 --> 01:32:25.359
<v Speaker 13>been doing this have sat down in my office and said,

1834
01:32:25.399 --> 01:32:29.039
<v Speaker 13>I have great coverage. I have a million dollar umbrella,

1835
01:32:29.079 --> 01:32:31.680
<v Speaker 13>and they tell me how great their liability coverage is,

1836
01:32:32.079 --> 01:32:35.039
<v Speaker 13>and they don't understand that that liability coverage does not

1837
01:32:35.239 --> 01:32:39.000
<v Speaker 13>cover them or their family one little bit when it

1838
01:32:39.079 --> 01:32:42.720
<v Speaker 13>comes to an accident that wasn't their fault. So it's important.

1839
01:32:42.880 --> 01:32:45.479
<v Speaker 13>Unsure Motorist is a critical coverage. I'm glad that you

1840
01:32:45.640 --> 01:32:48.680
<v Speaker 13>have that on your policy, James. That and medical payments

1841
01:32:48.720 --> 01:32:51.399
<v Speaker 13>are the two coverages I would never go without, and

1842
01:32:51.439 --> 01:32:53.399
<v Speaker 13>I'm glad you have them on your policy. So give

1843
01:32:53.439 --> 01:32:55.079
<v Speaker 13>me a call later on. I'm more than happy to

1844
01:32:55.159 --> 01:32:56.880
<v Speaker 13>help you out or at least guide you in the

1845
01:32:57.000 --> 01:32:57.520
<v Speaker 13>right direction.

1846
01:32:57.640 --> 01:33:00.720
<v Speaker 5>Okay, Okay, I have to take I have to take

1847
01:33:00.720 --> 01:33:03.560
<v Speaker 5>a break. But John, a quick question. Somebody wants to know.

1848
01:33:04.000 --> 01:33:08.399
<v Speaker 5>Do PI attorneys personal injury attorneys get a portion of

1849
01:33:08.640 --> 01:33:13.000
<v Speaker 5>what consumers collect on medpay as part of the total award.

1850
01:33:13.319 --> 01:33:15.399
<v Speaker 6>I have heard of companies that do that.

1851
01:33:15.640 --> 01:33:18.399
<v Speaker 13>I do not, and have not ever charged a penny

1852
01:33:18.560 --> 01:33:22.159
<v Speaker 13>for coordinating and helping out medical payments coverage. If you

1853
01:33:22.239 --> 01:33:24.039
<v Speaker 13>have it, it's your benefit is bought and paid for.

1854
01:33:24.199 --> 01:33:25.920
<v Speaker 13>I'll help you get the best use out of it.

1855
01:33:26.840 --> 01:33:29.520
<v Speaker 5>Oh that's really good to know. And that's John Fuller

1856
01:33:29.640 --> 01:33:37.600
<v Speaker 5>Fuller Law. More right after this, go with a sure

1857
01:33:37.720 --> 01:33:41.119
<v Speaker 5>thing Denver's Best roofer Excel Roofing dot com. You don't

1858
01:33:41.159 --> 01:33:47.159
<v Speaker 5>pay a cent until you're content. Time for an insurance

1859
01:33:47.279 --> 01:33:51.359
<v Speaker 5>checkup free, no obligation. In comparison, call Compass Insurance paying

1860
01:33:51.399 --> 01:33:54.439
<v Speaker 5>too much your coverage at dozens of insurance companies find

1861
01:33:54.479 --> 01:33:56.800
<v Speaker 5>out now three oh three seven to seven to one help.

1862
01:33:57.000 --> 01:33:59.960
<v Speaker 5>You'll think you're his only customer when you choose Frank Durant,

1863
01:34:00.000 --> 01:34:02.399
<v Speaker 5>the real estate man dot com to list your home

1864
01:34:02.640 --> 01:34:05.800
<v Speaker 5>with Remax Alliance three oh three nine two zero sixteen

1865
01:34:05.880 --> 01:34:14.039
<v Speaker 5>twenty two. Hi Tom Martine, you're a troubleshooter zero three

1866
01:34:14.159 --> 01:34:16.920
<v Speaker 5>seven one three talk seven one three eight two five five.

1867
01:34:17.680 --> 01:34:20.880
<v Speaker 6>Uh Drew is back. He said he just talked to police.

1868
01:34:21.960 --> 01:34:25.239
<v Speaker 5>And Uh Drew, what's the latest on your case? Where

1869
01:34:25.640 --> 01:34:28.840
<v Speaker 5>you bought an air conditioner at home depot? You believe

1870
01:34:28.880 --> 01:34:31.640
<v Speaker 5>they intentionally lied to you to make the sale of

1871
01:34:31.720 --> 01:34:34.399
<v Speaker 5>a two hundred and eighty dollars air conditioner at the

1872
01:34:34.439 --> 01:34:38.720
<v Speaker 5>height of a heat wave, and although they couldn't keep

1873
01:34:38.800 --> 01:34:41.159
<v Speaker 5>him in stock, you said, they lied to you to

1874
01:34:41.279 --> 01:34:44.000
<v Speaker 5>get you to buy it immediately, and they dropped it

1875
01:34:44.079 --> 01:34:47.399
<v Speaker 5>off in your driveway, which caused you to almost die

1876
01:34:48.039 --> 01:34:52.279
<v Speaker 5>because it wasn't installed, and the police came and installed

1877
01:34:52.319 --> 01:34:55.760
<v Speaker 5>it for you. And it was a big grigamarole. So

1878
01:34:56.560 --> 01:34:58.439
<v Speaker 5>what's going on, Drew? What's the latest?

1879
01:34:59.359 --> 01:35:04.279
<v Speaker 18>First, you were somewhat supportive, Thank you, because you're wrong.

1880
01:35:06.680 --> 01:35:09.359
<v Speaker 18>When I was in their store, there were one hundred

1881
01:35:09.439 --> 01:35:13.720
<v Speaker 18>air conditioners right there. I'm sold they're trying to get

1882
01:35:13.800 --> 01:35:14.199
<v Speaker 18>rid of them.

1883
01:35:16.000 --> 01:35:19.279
<v Speaker 13>Okay, yeah, okay. You stuck it to him with your

1884
01:35:19.359 --> 01:35:21.880
<v Speaker 13>conditions and they agreed, got it.

1885
01:35:22.159 --> 01:35:25.560
<v Speaker 5>Yeah, I got it. Okay, So keep going. So keep going, Drew.

1886
01:35:25.600 --> 01:35:26.720
<v Speaker 5>What did you call about? Now?

1887
01:35:26.800 --> 01:35:27.720
<v Speaker 6>What about the police?

1888
01:35:29.920 --> 01:35:33.359
<v Speaker 18>Well, the police are going to go question to people. Now,

1889
01:35:33.479 --> 01:35:36.319
<v Speaker 18>that doesn't mean they're going to be sound guilty. But

1890
01:35:36.560 --> 01:35:39.640
<v Speaker 18>I used to be a state inspector. Unlike many that

1891
01:35:39.720 --> 01:35:43.600
<v Speaker 18>were cooking, I was very thorough. You'd be surprised when

1892
01:35:43.640 --> 01:35:47.359
<v Speaker 18>you're thorough, but you find if you're not lazy.

1893
01:35:47.880 --> 01:35:50.680
<v Speaker 5>Are you looking to get them charged at home depot

1894
01:35:50.760 --> 01:35:51.239
<v Speaker 5>with something.

1895
01:35:52.720 --> 01:35:54.279
<v Speaker 18>I know it depends what happened.

1896
01:35:54.520 --> 01:35:56.800
<v Speaker 7>He would be he would be happy to settle for

1897
01:35:56.960 --> 01:35:59.000
<v Speaker 7>some money. Tom, Come on, I'm curious, Drew.

1898
01:35:59.319 --> 01:36:02.119
<v Speaker 13>Within this heat wave, did you actually want to go

1899
01:36:02.239 --> 01:36:04.680
<v Speaker 13>outside and get out of your hot house and maybe

1900
01:36:04.880 --> 01:36:07.319
<v Speaker 13>try and get some cool breeze from a nearby park

1901
01:36:07.479 --> 01:36:07.920
<v Speaker 13>or something.

1902
01:36:08.039 --> 01:36:12.119
<v Speaker 6>You decided to stay home in the heat. He's crippled,

1903
01:36:13.359 --> 01:36:15.680
<v Speaker 6>but he walked or took a bus to home.

1904
01:36:15.760 --> 01:36:17.880
<v Speaker 5>Deep. No, But I want to know this though. I

1905
01:36:18.000 --> 01:36:20.680
<v Speaker 5>want to know what Drew. Listen, guys, hold on, man,

1906
01:36:20.840 --> 01:36:23.439
<v Speaker 5>hold on. I want to know what Drew wants the

1907
01:36:23.520 --> 01:36:26.479
<v Speaker 5>police to do. What does he expect they can do

1908
01:36:27.000 --> 01:36:31.159
<v Speaker 5>to home depot? Do you think there's some criminal negligence here, Drew?

1909
01:36:32.079 --> 01:36:32.640
<v Speaker 11>I don't know.

1910
01:36:32.840 --> 01:36:36.520
<v Speaker 18>It's the only way you find out, fellows. When I

1911
01:36:36.640 --> 01:36:40.439
<v Speaker 18>was a state health inspector, like Colombo, you go ask

1912
01:36:40.520 --> 01:36:43.399
<v Speaker 18>the questions. If you don't just sit there drinking donuts

1913
01:36:43.439 --> 01:36:48.720
<v Speaker 18>and coffee. Yeah, they're going to at least.

1914
01:36:48.920 --> 01:36:52.119
<v Speaker 5>Why you really believe they're going to go to home

1915
01:36:52.199 --> 01:36:53.279
<v Speaker 5>depot and investigate.

1916
01:36:54.359 --> 01:36:56.840
<v Speaker 18>I know the officer who said he was going. He's

1917
01:36:56.880 --> 01:37:02.199
<v Speaker 18>a very honest man. I an't good me good DS news,

1918
01:37:02.680 --> 01:37:05.159
<v Speaker 18>CBS News was that my place for a half hour

1919
01:37:05.800 --> 01:37:07.720
<v Speaker 18>interviewing me? Filming me?

1920
01:37:09.039 --> 01:37:09.159
<v Speaker 9>Oh?

1921
01:37:09.159 --> 01:37:12.399
<v Speaker 18>If they took it? Seria could did it?

1922
01:37:12.520 --> 01:37:12.680
<v Speaker 12>Ever?

1923
01:37:13.359 --> 01:37:15.399
<v Speaker 5>I want to see what day did they interview you?

1924
01:37:15.479 --> 01:37:17.760
<v Speaker 5>I want to go look at it was a CBS

1925
01:37:17.840 --> 01:37:18.880
<v Speaker 5>in New York channel too.

1926
01:37:20.119 --> 01:37:22.039
<v Speaker 6>Yes, I've got a call.

1927
01:37:22.119 --> 01:37:22.800
<v Speaker 10>What day was it?

1928
01:37:23.000 --> 01:37:24.880
<v Speaker 6>What day was it, Drew that they interviewed you?

1929
01:37:26.239 --> 01:37:28.439
<v Speaker 18>I forgot the exact Thay, it was either Wednesday.

1930
01:37:28.520 --> 01:37:33.720
<v Speaker 7>First, let's go just go Nutcase, just google Nutcase called

1931
01:37:34.000 --> 01:37:35.000
<v Speaker 7>home depot.

1932
01:37:34.760 --> 01:37:41.119
<v Speaker 18>And once Mark, he is not a Christian, Drew Drew.

1933
01:37:41.279 --> 01:37:44.000
<v Speaker 7>Every time you call, how do you find yourself in

1934
01:37:44.079 --> 01:37:46.680
<v Speaker 7>these predicaments? For the life of me, I have never

1935
01:37:46.800 --> 01:37:51.079
<v Speaker 7>heard of anybody that has so many issues that's being alive.

1936
01:37:52.039 --> 01:37:53.680
<v Speaker 18>Are you gonna let me answer the question?

1937
01:37:54.119 --> 01:37:55.600
<v Speaker 11>Yes, all right.

1938
01:37:56.079 --> 01:37:59.880
<v Speaker 18>I am a true preacher from heavenly Father Jesus twice only,

1939
01:38:00.760 --> 01:38:03.840
<v Speaker 18>and Jesus said in the Bible, it's true people would

1940
01:38:03.880 --> 01:38:07.840
<v Speaker 18>be persecuted and be strangers on the earth, but they're

1941
01:38:07.880 --> 01:38:11.680
<v Speaker 18>the ones who enter heaven. So I preached the true Bible.

1942
01:38:12.399 --> 01:38:17.319
<v Speaker 5>And so you believe, you believe you're coming under fire

1943
01:38:17.520 --> 01:38:20.399
<v Speaker 5>because of your stance on faith.

1944
01:38:21.960 --> 01:38:25.159
<v Speaker 18>Why don't you read the book that is true Religion

1945
01:38:25.319 --> 01:38:25.760
<v Speaker 18>is false?

1946
01:38:25.800 --> 01:38:28.840
<v Speaker 5>It's an Amazon No, but you believe that's why you're

1947
01:38:28.880 --> 01:38:30.880
<v Speaker 5>coming under so much fire from people.

1948
01:38:30.960 --> 01:38:31.800
<v Speaker 11>Wait wait, wait.

1949
01:38:33.640 --> 01:38:36.239
<v Speaker 6>Is that your book? Seriously, Drew? Is that your book?

1950
01:38:37.159 --> 01:38:37.359
<v Speaker 5>Yes?

1951
01:38:37.600 --> 01:38:38.439
<v Speaker 6>What is it called?

1952
01:38:39.800 --> 01:38:41.760
<v Speaker 18>God is True? Religion is False?

1953
01:38:41.880 --> 01:38:45.239
<v Speaker 7>And that's on Amazon. God is True, Religion is false.

1954
01:38:45.239 --> 01:38:46.000
<v Speaker 7>I'm looking it up.

1955
01:38:46.960 --> 01:38:49.319
<v Speaker 6>Yeah, and I have to take I have to take

1956
01:38:49.399 --> 01:38:51.399
<v Speaker 6>this break. I have to take this break.

1957
01:38:51.880 --> 01:38:55.000
<v Speaker 5>One Clear Choice Garage Doors for your garage door needs.

1958
01:38:55.359 --> 01:39:00.920
<v Speaker 5>If you need an opener, a spring, a hingebolt cables,

1959
01:39:01.359 --> 01:39:03.319
<v Speaker 5>they'll come out to your house twenty four to seven,

1960
01:39:03.520 --> 01:39:05.760
<v Speaker 5>and of course that would only be for emergencies twenty

1961
01:39:05.800 --> 01:39:08.960
<v Speaker 5>four seven. But they're great people to call out for

1962
01:39:09.079 --> 01:39:14.039
<v Speaker 5>any garage door, any garage door issue. One clear Choice

1963
01:39:14.479 --> 01:39:18.279
<v Speaker 5>Doors dot Com simply the best seven two zero, three

1964
01:39:18.439 --> 01:39:27.560
<v Speaker 5>seven zero thirty nine eighty seven. Go with a sure

1965
01:39:27.680 --> 01:39:31.079
<v Speaker 5>Thing Denvers Best Roofer, Excel Roofing dot Com. You don't

1966
01:39:31.119 --> 01:39:37.119
<v Speaker 5>pay a cent until you're content. Time for an insurance

1967
01:39:37.239 --> 01:39:40.880
<v Speaker 5>check up free, no obligation. In comparison, call Compass insurance.

1968
01:39:41.079 --> 01:39:44.079
<v Speaker 5>Pay too much your coverage at dozens of insurance companies

1969
01:39:44.199 --> 01:39:46.760
<v Speaker 5>find Out Now three oh three seven seven to one help.

1970
01:39:46.960 --> 01:39:49.600
<v Speaker 5>You'll think you're his only customer when you choose Frank

1971
01:39:49.640 --> 01:39:52.079
<v Speaker 5>durand the real estate man dot Com to list your

1972
01:39:52.119 --> 01:39:55.239
<v Speaker 5>home with Remax Alliance three oh three nine two zero

1973
01:39:55.359 --> 01:40:02.960
<v Speaker 5>sixteen twenty two. Welcome to the show. Three oh three

1974
01:40:03.119 --> 01:40:07.439
<v Speaker 5>seven one three talk seven one three eight two five five.

1975
01:40:08.319 --> 01:40:15.560
<v Speaker 5>You know, truly, I have never had I don't know,

1976
01:40:16.439 --> 01:40:19.960
<v Speaker 5>I have never had more ridiculous calls over the years

1977
01:40:20.039 --> 01:40:20.600
<v Speaker 5>than from Drew.

1978
01:40:21.680 --> 01:40:26.199
<v Speaker 6>The man goes from one conflict to another. It's quite impressive.

1979
01:40:28.039 --> 01:40:29.279
<v Speaker 6>And he doesn't see it as that.

1980
01:40:29.479 --> 01:40:32.520
<v Speaker 5>He sees himself as a victim because he's a man

1981
01:40:32.600 --> 01:40:36.199
<v Speaker 5>of God. I mean truly, and look at it takes

1982
01:40:36.239 --> 01:40:43.359
<v Speaker 5>all kinds right, that's weird, Laura, Seriously, let's let's talk

1983
01:40:43.399 --> 01:40:45.720
<v Speaker 5>about this Richmond home thing. At least something we can

1984
01:40:45.760 --> 01:40:48.600
<v Speaker 5>probably help with. What's going on with your Richmond home?

1985
01:40:50.199 --> 01:40:50.960
<v Speaker 10>Hi? Thank you?

1986
01:40:52.239 --> 01:40:52.279
<v Speaker 5>So.

1987
01:40:52.439 --> 01:40:56.680
<v Speaker 10>My husband I purchased this home four years ago, and

1988
01:40:57.600 --> 01:41:02.079
<v Speaker 10>about nine months ago he noted there was some separation

1989
01:41:02.920 --> 01:41:06.560
<v Speaker 10>of our side garage. It's a third car garage from

1990
01:41:06.600 --> 01:41:09.359
<v Speaker 10>the home. There's about a one to two inch gap up.

1991
01:41:09.359 --> 01:41:11.680
<v Speaker 3>By the roof and the gutter.

1992
01:41:12.840 --> 01:41:16.119
<v Speaker 5>Really you mean, wait a minute, So it's supposed to

1993
01:41:16.239 --> 01:41:20.760
<v Speaker 5>be attached, but you see you literally see them separating

1994
01:41:21.000 --> 01:41:27.760
<v Speaker 5>up at the roofline. Yes, and how many garages do

1995
01:41:27.840 --> 01:41:29.520
<v Speaker 5>you have? Is this just one garage?

1996
01:41:31.000 --> 01:41:33.319
<v Speaker 10>It's a three car garage okay.

1997
01:41:33.439 --> 01:41:38.680
<v Speaker 6>And that and it's separating where it meets the house, right, Okay?

1998
01:41:40.239 --> 01:41:41.439
<v Speaker 6>What are they doing about it?

1999
01:41:43.359 --> 01:41:43.800
<v Speaker 5>Not much?

2000
01:41:44.159 --> 01:41:49.079
<v Speaker 10>Well, let me back up. So we contacted Richmond first,

2001
01:41:50.159 --> 01:41:53.000
<v Speaker 10>but because we're over our one year when you purchase

2002
01:41:53.039 --> 01:41:56.479
<v Speaker 10>a new home, they would not cover anything. So they

2003
01:41:56.560 --> 01:41:58.439
<v Speaker 10>told us to go to our extended warranty.

2004
01:41:59.359 --> 01:42:00.760
<v Speaker 6>Yeah, that's what they had, huh.

2005
01:42:01.880 --> 01:42:06.680
<v Speaker 10>Yeah, So we contacted them and let her know the situation.

2006
01:42:06.960 --> 01:42:12.079
<v Speaker 10>The lady that we talked to, they sent out whoever

2007
01:42:12.119 --> 01:42:14.279
<v Speaker 10>they send out. It wasn't engineers. They came later. They

2008
01:42:14.359 --> 01:42:17.760
<v Speaker 10>sent out some guys that evaluated the garage, did some

2009
01:42:17.920 --> 01:42:20.239
<v Speaker 10>measurements to see if it was something that was covered

2010
01:42:21.720 --> 01:42:25.560
<v Speaker 10>under the foundation art of the warranty. Right, So a

2011
01:42:25.640 --> 01:42:31.079
<v Speaker 10>couple months later, so in Novembers when they came out.

2012
01:42:31.239 --> 01:42:34.920
<v Speaker 10>In January, they contact us and said, yes, it will

2013
01:42:34.960 --> 01:42:37.319
<v Speaker 10>be covered, but we need to send engineers out to

2014
01:42:37.399 --> 01:42:38.319
<v Speaker 10>give us an estimate.

2015
01:42:39.359 --> 01:42:40.199
<v Speaker 15>So in April.

2016
01:42:40.560 --> 01:42:44.800
<v Speaker 10>We had engineers come out and they looked it over.

2017
01:42:44.880 --> 01:42:46.199
<v Speaker 9>We had believe it was three.

2018
01:42:46.079 --> 01:42:49.359
<v Speaker 10>Different companies that came and they said they would let

2019
01:42:49.560 --> 01:42:52.760
<v Speaker 10>the warranty folks know and then we'd be in.

2020
01:42:52.800 --> 01:42:53.560
<v Speaker 9>Contact with us.

2021
01:42:53.760 --> 01:42:54.680
<v Speaker 6>Okay, and when was that?

2022
01:42:54.920 --> 01:42:57.039
<v Speaker 5>When did they send out the people to assess the

2023
01:42:57.159 --> 01:42:59.399
<v Speaker 5>damage April?

2024
01:43:00.000 --> 01:43:01.960
<v Speaker 6>Okay, hold on and we'll come back to that. I'm

2025
01:43:02.039 --> 01:43:04.560
<v Speaker 6>Tom Martino. John Fuller's with us too.

2026
01:43:04.680 --> 01:43:07.680
<v Speaker 5>If you have any questions, problems, complaints three oh three Martino,

2027
01:43:08.560 --> 01:43:11.840
<v Speaker 5>go with a sure thing Denver's Best roofer Excel Roofing

2028
01:43:11.920 --> 01:43:12.359
<v Speaker 5>dot com.

2029
01:43:12.560 --> 01:43:14.560
<v Speaker 12>You don't pay a cent until you're content.

2030
01:43:16.159 --> 01:43:20.399
<v Speaker 5>Wait time for an insurance check up free, no obligation.

2031
01:43:20.439 --> 01:43:24.279
<v Speaker 5>In comparison, call Compass Insurance paying too much your coverage

2032
01:43:24.319 --> 01:43:26.960
<v Speaker 5>at dozens of insurance companies find out now three oh

2033
01:43:27.039 --> 01:43:29.439
<v Speaker 5>three seven seven to one help. You'll think you're his

2034
01:43:29.640 --> 01:43:32.239
<v Speaker 5>only customer when you choose Frank Durand the real estate

2035
01:43:32.319 --> 01:43:35.520
<v Speaker 5>Man dot com to list your home with Remax Alliance

2036
01:43:35.800 --> 01:43:46.119
<v Speaker 5>three oh three nine two zero sixteen twenty two d News.

2037
01:43:47.319 --> 01:43:52.960
<v Speaker 7>Need that so you don't have torn As fast as

2038
01:43:53.039 --> 01:43:56.720
<v Speaker 7>we can, Shoot's gonna help come.

2039
01:43:57.319 --> 01:44:02.920
<v Speaker 4>Max is the Troubleshoot show No Tom Martine.

2040
01:44:03.000 --> 01:44:05.359
<v Speaker 6>I'm Tom Martino. Welcome to the show.

2041
01:44:06.239 --> 01:44:08.640
<v Speaker 5>This hour brought to you by Wave eight Wealth Management,

2042
01:44:10.159 --> 01:44:13.840
<v Speaker 5>the firm that I began to manage my portfolio and

2043
01:44:13.920 --> 01:44:17.279
<v Speaker 5>then started opening up to others where we are directly

2044
01:44:17.359 --> 01:44:21.039
<v Speaker 5>involved with your portfolio alongside my money, and we are

2045
01:44:21.760 --> 01:44:26.520
<v Speaker 5>we will share each and every trade, every single transaction

2046
01:44:26.680 --> 01:44:30.640
<v Speaker 5>we've ever done to assure you of what we do,

2047
01:44:31.279 --> 01:44:34.000
<v Speaker 5>and we do it directly. We do not farm your

2048
01:44:34.079 --> 01:44:37.479
<v Speaker 5>money off three zero three seven seven to one help

2049
01:44:38.359 --> 01:44:40.880
<v Speaker 5>or Wave eight Capital dot com.

2050
01:44:41.000 --> 01:44:45.479
<v Speaker 6>The number eight. Laura, this is unbelievable.

2051
01:44:46.800 --> 01:44:49.760
<v Speaker 5>She has a house where the three car garage, the

2052
01:44:49.840 --> 01:44:56.159
<v Speaker 5>attached garage is separating from the main building. Obviously a

2053
01:44:56.319 --> 01:45:03.439
<v Speaker 5>problem the structural warranty people, because that's what they are.

2054
01:45:04.119 --> 01:45:07.840
<v Speaker 6>After the first year, they said, yeah.

2055
01:45:07.720 --> 01:45:10.880
<v Speaker 5>We'll cover this, and they sent out people to assess

2056
01:45:10.960 --> 01:45:12.479
<v Speaker 5>the damage in April.

2057
01:45:12.960 --> 01:45:18.319
<v Speaker 6>So what happened, so okay.

2058
01:45:19.239 --> 01:45:23.720
<v Speaker 10>So they came back in May, the warranty company and

2059
01:45:24.239 --> 01:45:32.000
<v Speaker 10>offered us a the evaluation and a settlement to take

2060
01:45:33.159 --> 01:45:35.479
<v Speaker 10>and then we could hire any company we wanted to,

2061
01:45:35.640 --> 01:45:37.680
<v Speaker 10>or we could use the one that that How.

2062
01:45:38.119 --> 01:45:39.600
<v Speaker 6>Much of a settlement are they offering.

2063
01:45:41.399 --> 01:45:45.199
<v Speaker 10>It's like forty eight hundred ish right in there, a

2064
01:45:45.279 --> 01:45:46.560
<v Speaker 10>little over forty six thousand.

2065
01:45:47.119 --> 01:45:48.159
<v Speaker 6>That sounds light to me.

2066
01:45:49.479 --> 01:45:52.600
<v Speaker 10>Well, that's only to push the garage back.

2067
01:45:52.560 --> 01:45:55.800
<v Speaker 6>Up, you know, like wait, wait, wait, I'm sorry, like

2068
01:45:55.960 --> 01:45:56.840
<v Speaker 6>mud jacket or what.

2069
01:45:58.439 --> 01:46:00.960
<v Speaker 10>Yeah, they're going to go like four feet down and

2070
01:46:02.479 --> 01:46:04.119
<v Speaker 10>do yeah, something to bring it back up.

2071
01:46:04.279 --> 01:46:07.199
<v Speaker 6>But they're probably doing peers to bedrock.

2072
01:46:09.840 --> 01:46:13.199
<v Speaker 10>Yeah, So, but they won't cover anything that has happened

2073
01:46:14.119 --> 01:46:16.760
<v Speaker 10>because of this happening, which is a lot of other

2074
01:46:16.920 --> 01:46:24.640
<v Speaker 10>stuff going on. Well, we have the room that's right

2075
01:46:24.720 --> 01:46:28.359
<v Speaker 10>below that garage is there's a crack on the ceiling.

2076
01:46:29.880 --> 01:46:37.079
<v Speaker 10>There's the cracks above the garage door. All around that garage.

2077
01:46:37.199 --> 01:46:41.039
<v Speaker 10>It's a stucco in that area, and it's just craps.

2078
01:46:41.079 --> 01:46:43.319
<v Speaker 10>And the guy told us, well, when we raise it,

2079
01:46:43.359 --> 01:46:44.560
<v Speaker 10>they should all go back together.

2080
01:46:44.760 --> 01:46:47.279
<v Speaker 5>But well it will, but then you have to have

2081
01:46:47.399 --> 01:46:50.439
<v Speaker 5>a patch. They will go back together, and then you

2082
01:46:50.560 --> 01:46:53.279
<v Speaker 5>have to have them masked. You know, it's cosmetic.

2083
01:46:54.199 --> 01:46:54.359
<v Speaker 14>Right.

2084
01:46:55.840 --> 01:46:57.119
<v Speaker 3>Well, there's more.

2085
01:46:57.840 --> 01:47:01.000
<v Speaker 10>The roof they told us, This is from the engineers.

2086
01:47:01.279 --> 01:47:03.880
<v Speaker 10>The roof they told us, is so far stretched that

2087
01:47:04.039 --> 01:47:07.960
<v Speaker 10>if they raise it, the roof could buckle. And when

2088
01:47:08.000 --> 01:47:10.640
<v Speaker 10>I let the warranty people know that. They said, well,

2089
01:47:10.680 --> 01:47:13.319
<v Speaker 10>we don't cover anything else just to lift it. So

2090
01:47:13.520 --> 01:47:18.279
<v Speaker 10>any other damage I'm assuming is on us. We have

2091
01:47:18.720 --> 01:47:22.520
<v Speaker 10>water leaks where the roof is stretched, Like directly below

2092
01:47:22.560 --> 01:47:26.520
<v Speaker 10>is our laundry rooms and a hallway, and we have

2093
01:47:26.680 --> 01:47:32.680
<v Speaker 10>water leaks and what looks like mold spots. So the

2094
01:47:33.000 --> 01:47:35.039
<v Speaker 10>damage from the roof being stretched, and.

2095
01:47:36.359 --> 01:47:40.359
<v Speaker 6>I don't understand what that means. The roof being stretched.

2096
01:47:40.960 --> 01:47:43.520
<v Speaker 5>That part I don't understand at all, because if the

2097
01:47:43.600 --> 01:47:49.560
<v Speaker 5>house comes together, that the roof, I mean, you have plywood,

2098
01:47:49.840 --> 01:47:53.079
<v Speaker 5>you have plywood for the decking, and you have roof material.

2099
01:47:53.680 --> 01:47:56.279
<v Speaker 5>So what do they mean by the roof being stretched?

2100
01:47:56.800 --> 01:47:57.640
<v Speaker 6>Who told you that?

2101
01:47:59.600 --> 01:48:02.159
<v Speaker 10>One of the engineers that came out. If you look

2102
01:48:02.239 --> 01:48:06.560
<v Speaker 10>more shingles, they're like waves going across that area.

2103
01:48:06.920 --> 01:48:10.760
<v Speaker 5>Well, I understand that, but that's a very very simple repair.

2104
01:48:10.960 --> 01:48:12.239
<v Speaker 6>That's what that is.

2105
01:48:12.439 --> 01:48:15.960
<v Speaker 5>Is you reroof that area, you blend in and reroof

2106
01:48:16.039 --> 01:48:18.840
<v Speaker 5>that area. It might need some new planks. I don't

2107
01:48:18.880 --> 01:48:21.479
<v Speaker 5>know if it warped your decking, but that's what it

2108
01:48:21.600 --> 01:48:25.199
<v Speaker 5>sounds like. The shingles simply go over the decking. What

2109
01:48:25.359 --> 01:48:27.800
<v Speaker 5>I would do is have a professional roofer look at

2110
01:48:27.840 --> 01:48:30.760
<v Speaker 5>it and not these other clowns. I mean, just because

2111
01:48:30.800 --> 01:48:34.239
<v Speaker 5>they're engineers doesn't mean they know about the roof, right.

2112
01:48:34.399 --> 01:48:37.960
<v Speaker 5>But in any case, no matter what, that's neither here

2113
01:48:38.079 --> 01:48:42.520
<v Speaker 5>nor there. The basic is this, does the forty six

2114
01:48:42.640 --> 01:48:44.239
<v Speaker 5>thousand cover your settlement?

2115
01:48:44.760 --> 01:48:46.600
<v Speaker 6>And by terms of the warranty?

2116
01:48:47.119 --> 01:48:52.000
<v Speaker 5>Are they truly not responsible for the other subsequential damage?

2117
01:48:53.920 --> 01:48:57.239
<v Speaker 5>To find out, you need to read your structural warranty.

2118
01:48:57.760 --> 01:48:59.800
<v Speaker 5>It's all going to be a matter of contract, right,

2119
01:49:00.199 --> 01:49:01.720
<v Speaker 5>John Fuller, Attorney at Law.

2120
01:49:02.119 --> 01:49:03.399
<v Speaker 6>It's a matter of contract.

2121
01:49:03.520 --> 01:49:06.439
<v Speaker 5>Right. We all agree to these when we buy houses.

2122
01:49:06.800 --> 01:49:08.279
<v Speaker 6>We just don't ever look at them.

2123
01:49:08.920 --> 01:49:09.119
<v Speaker 9>Yeah.

2124
01:49:09.600 --> 01:49:13.319
<v Speaker 13>I mean the statutes that dictate you know, the warranties

2125
01:49:13.359 --> 01:49:16.359
<v Speaker 13>and stuff, and the remedies that you have against contractors

2126
01:49:16.840 --> 01:49:20.159
<v Speaker 13>is all really framed by the warranty itself. I mean,

2127
01:49:20.199 --> 01:49:23.359
<v Speaker 13>that's really the starting place that you need to look at.

2128
01:49:23.520 --> 01:49:25.880
<v Speaker 13>So have you have you done that or have you

2129
01:49:26.000 --> 01:49:28.600
<v Speaker 13>had anybody look at that for you? Or did you

2130
01:49:28.680 --> 01:49:29.840
<v Speaker 13>guys have an attorney on this?

2131
01:49:31.079 --> 01:49:33.920
<v Speaker 10>We don't have an attorney. That's kind of what I was.

2132
01:49:34.560 --> 01:49:37.159
<v Speaker 6>Okay, here's what you need to do.

2133
01:49:38.000 --> 01:49:40.640
<v Speaker 5>I'm going to give you some steps and we and

2134
01:49:40.840 --> 01:49:42.800
<v Speaker 5>you have the name of the attorney we want to use.

2135
01:49:43.119 --> 01:49:45.279
<v Speaker 6>Oh yeah, hold on, let me give you that.

2136
01:49:45.680 --> 01:49:48.439
<v Speaker 5>We have an excellent attorney. We want you to consult.

2137
01:49:48.960 --> 01:49:53.159
<v Speaker 5>But Laura, here's how we want you to consult, if

2138
01:49:53.199 --> 01:49:58.720
<v Speaker 5>you listen carefully. Number one, I want you to bring

2139
01:49:58.840 --> 01:50:02.319
<v Speaker 5>the engineer's report, and then I want you to get

2140
01:50:02.359 --> 01:50:05.000
<v Speaker 5>a roofing report, and I want you to get a

2141
01:50:05.119 --> 01:50:09.319
<v Speaker 5>report from people who can fix the cosmetic damages.

2142
01:50:09.479 --> 01:50:14.800
<v Speaker 6>Okay, so I want you to use the structural.

2143
01:50:14.359 --> 01:50:17.520
<v Speaker 5>Warranties report, but I want you to do your own

2144
01:50:17.680 --> 01:50:23.159
<v Speaker 5>report on the cometic damage and the roof damage. For

2145
01:50:23.279 --> 01:50:27.079
<v Speaker 5>the roof damage, I would call Excel Roofing. They're excellent

2146
01:50:27.800 --> 01:50:31.159
<v Speaker 5>and they can assess everything and they do. They have

2147
01:50:31.279 --> 01:50:34.079
<v Speaker 5>a repair crew as well, but they can assess that

2148
01:50:34.239 --> 01:50:36.960
<v Speaker 5>damage and again they will never ask for a penny.

2149
01:50:37.439 --> 01:50:41.600
<v Speaker 5>I would call ex Cel. It's excel as an excellent

2150
01:50:41.760 --> 01:50:47.279
<v Speaker 5>ex c e l Excel roofing dot com. It's three

2151
01:50:47.399 --> 01:50:52.439
<v Speaker 5>oh three seven six one sixty four hundred. They will

2152
01:50:52.479 --> 01:50:54.800
<v Speaker 5>be the best. They will look at that and tell

2153
01:50:54.880 --> 01:50:56.680
<v Speaker 5>you if it's buckling.

2154
01:50:56.359 --> 01:50:59.239
<v Speaker 6>And what needs to be done. So that's Excel roofing

2155
01:50:59.319 --> 01:50:59.680
<v Speaker 6>dot Com.

2156
01:51:00.000 --> 01:51:01.760
<v Speaker 5>By the way, for anyone listening for any of the

2157
01:51:01.880 --> 01:51:06.159
<v Speaker 5>roofing needs three three seven sixty one sixty four hundred. Now,

2158
01:51:06.720 --> 01:51:09.479
<v Speaker 5>having said all that, I want to tell you that

2159
01:51:09.640 --> 01:51:14.119
<v Speaker 5>you also then call someone for cosmetic repairs. That's someone

2160
01:51:14.159 --> 01:51:16.039
<v Speaker 5>who can come in and do all of your drywall

2161
01:51:16.119 --> 01:51:20.039
<v Speaker 5>repair and you're stuck or repair. So that is a

2162
01:51:20.159 --> 01:51:24.119
<v Speaker 5>separate estimate. Then when you consult your attorney, what I

2163
01:51:24.239 --> 01:51:26.840
<v Speaker 5>want you to ask this is the main thing we're consulting.

2164
01:51:27.720 --> 01:51:30.960
<v Speaker 5>Does the warranty you have to have a copy of

2165
01:51:31.000 --> 01:51:34.520
<v Speaker 5>the warranty? Does it cover this stuff or not? Because

2166
01:51:34.640 --> 01:51:38.560
<v Speaker 5>if he sees that it does not cover it, you

2167
01:51:38.680 --> 01:51:40.720
<v Speaker 5>may not waste your time fighting them.

2168
01:51:41.399 --> 01:51:43.640
<v Speaker 6>It may be just that it doesn't cover it.

2169
01:51:44.199 --> 01:51:47.279
<v Speaker 5>If he sees some holes in the warranty language or

2170
01:51:47.359 --> 01:51:50.880
<v Speaker 5>where one caused another and it would be covered, then

2171
01:51:50.960 --> 01:51:52.039
<v Speaker 5>he'd be the first.

2172
01:51:51.840 --> 01:51:53.920
<v Speaker 6>To tell you. So now we're going to give you

2173
01:51:54.039 --> 01:51:54.680
<v Speaker 6>that referral.

2174
01:51:56.520 --> 01:51:57.439
<v Speaker 9>Do you have that.

2175
01:52:00.199 --> 01:52:02.119
<v Speaker 1>You want to call? So in Parker there's a law

2176
01:52:02.199 --> 01:52:03.800
<v Speaker 1>firm called Hollington Law Firm.

2177
01:52:04.159 --> 01:52:07.760
<v Speaker 6>Hollington is Hollington h O L L I N G

2178
01:52:07.920 --> 01:52:08.720
<v Speaker 6>T O N Yeah.

2179
01:52:08.800 --> 01:52:11.640
<v Speaker 2>And the gentleman you want to speak with is Neil Hollington.

2180
01:52:12.239 --> 01:52:15.479
<v Speaker 2>And this is precisely the type of law he specializes in.

2181
01:52:16.199 --> 01:52:19.279
<v Speaker 6>And his phone number you ready, yep?

2182
01:52:20.079 --> 01:52:26.479
<v Speaker 2>Three zero three two seven six two six four seven,

2183
01:52:27.880 --> 01:52:32.920
<v Speaker 2>And Neil Hollington offers a free initial consultation. So, yeah,

2184
01:52:33.159 --> 01:52:36.039
<v Speaker 2>you got nothing to lose by driving over to Parker

2185
01:52:36.079 --> 01:52:36.920
<v Speaker 2>and meeting with him.

2186
01:52:37.319 --> 01:52:40.520
<v Speaker 5>Yeah, and you want to have your cosmetic repairs, your

2187
01:52:40.600 --> 01:52:45.239
<v Speaker 5>roofing repairs, and your engineers repairs along with a copy

2188
01:52:45.319 --> 01:52:46.000
<v Speaker 5>of that warranty.

2189
01:52:46.039 --> 01:52:48.000
<v Speaker 6>Do you have a copy of that structural warranty?

2190
01:52:49.119 --> 01:52:53.960
<v Speaker 5>But I do, excellent, So you're an excellent shape to

2191
01:52:54.000 --> 01:52:58.079
<v Speaker 5>get started right now and then let us know what

2192
01:52:58.239 --> 01:53:01.800
<v Speaker 5>happens and Neil Hollington and if he takes the case,

2193
01:53:01.880 --> 01:53:03.199
<v Speaker 5>believe me, it's going to be worth it.

2194
01:53:03.920 --> 01:53:05.720
<v Speaker 6>Construction defect is a big deal.

2195
01:53:06.119 --> 01:53:10.920
<v Speaker 5>However, there could be specific things you disclaimed, John Fuller.

2196
01:53:11.720 --> 01:53:14.880
<v Speaker 5>Isn't it possible that in the structural warranty they can

2197
01:53:14.960 --> 01:53:19.399
<v Speaker 5>simply disclaim other stuff and say, if a covered warranty

2198
01:53:19.880 --> 01:53:24.039
<v Speaker 5>item causes some other items that are uncovered, then we

2199
01:53:24.279 --> 01:53:24.960
<v Speaker 5>exclude them.

2200
01:53:25.239 --> 01:53:25.960
<v Speaker 6>Can't they do that?

2201
01:53:26.720 --> 01:53:26.920
<v Speaker 9>Yeah?

2202
01:53:27.039 --> 01:53:29.000
<v Speaker 13>Or they can at least attempt to do that. I mean,

2203
01:53:29.079 --> 01:53:32.800
<v Speaker 13>there's plenty of contracts out there that attempt to thwart

2204
01:53:32.960 --> 01:53:37.039
<v Speaker 13>the law essentially and set different standards. Some of those

2205
01:53:37.119 --> 01:53:40.079
<v Speaker 13>are enforceable, some of them are not. You really have

2206
01:53:40.239 --> 01:53:44.199
<v Speaker 13>to consult with an attorney and have them review the

2207
01:53:44.439 --> 01:53:47.439
<v Speaker 13>parameters of that agreement. Understand that Richmond Homes is a

2208
01:53:47.560 --> 01:53:51.319
<v Speaker 13>national corporation. Okay, so they're building homes in all fifty states,

2209
01:53:51.760 --> 01:53:54.640
<v Speaker 13>and their warranty is likely the same for all of

2210
01:53:54.760 --> 01:53:57.640
<v Speaker 13>those states. But not every state has the exact same

2211
01:53:57.760 --> 01:54:02.000
<v Speaker 13>laws or construction defect you know, protections in place. So

2212
01:54:02.199 --> 01:54:06.079
<v Speaker 13>sometimes the provisions and those warranties are just completely not

2213
01:54:06.399 --> 01:54:09.239
<v Speaker 13>enforceable in one state, whereas in another one they may

2214
01:54:09.319 --> 01:54:10.359
<v Speaker 13>be completely enforced.

2215
01:54:10.399 --> 01:54:12.239
<v Speaker 6>I got it. You got to buy that out to

2216
01:54:12.359 --> 01:54:16.119
<v Speaker 6>your to your situation, all right. We have more coming

2217
01:54:16.199 --> 01:54:17.399
<v Speaker 6>up on the Troubleshooter Show.

2218
01:54:17.439 --> 01:54:21.760
<v Speaker 5>Compass Insurance doing free insurance checkups the Insurancehealthcenter dot com.

2219
01:54:22.199 --> 01:54:24.319
<v Speaker 5>Make sure you got the right coverage, not paying too

2220
01:54:24.439 --> 01:54:26.880
<v Speaker 5>much or you're not under insured three oh three nine

2221
01:54:26.960 --> 01:54:36.239
<v Speaker 5>nine six nine thousand. Go with a sure thing Denver's

2222
01:54:36.279 --> 01:54:38.439
<v Speaker 5>Best roofer Excel Roofing dot com.

2223
01:54:38.600 --> 01:54:40.640
<v Speaker 12>You don't pay a cent until you're content.

2224
01:54:44.000 --> 01:54:47.159
<v Speaker 5>Time for an insurance checkup free, no obligation in comparison

2225
01:54:47.319 --> 01:54:50.880
<v Speaker 5>call Compass insurance paying too much your coverage at dozens

2226
01:54:50.920 --> 01:54:53.600
<v Speaker 5>of insurance companies. Find out now three oh three, seven

2227
01:54:53.640 --> 01:54:55.960
<v Speaker 5>to seven to one help. You'll think you're his only

2228
01:54:56.079 --> 01:54:58.520
<v Speaker 5>customer when you choose Frank durand the real estate man

2229
01:54:58.600 --> 01:55:02.159
<v Speaker 5>dot com to list your with Remax Alliance three oh

2230
01:55:02.239 --> 01:55:04.119
<v Speaker 5>three nine two zero sixteen twenty two.

2231
01:55:37.359 --> 01:55:39.520
<v Speaker 11>What's up? Oh Hi?

2232
01:55:39.640 --> 01:55:40.439
<v Speaker 6>Tom Artino here?

2233
01:55:40.520 --> 01:55:43.000
<v Speaker 5>Three oh three seven one three talks seven one three.

2234
01:55:42.920 --> 01:55:45.159
<v Speaker 6>Eight two five five all right.

2235
01:55:47.039 --> 01:55:51.680
<v Speaker 5>Mike has a comment on this garage situation on a

2236
01:55:51.760 --> 01:55:57.319
<v Speaker 5>new home after a year. Warranty builders still can be

2237
01:55:57.439 --> 01:56:01.079
<v Speaker 5>held liable for defects, but they have to be pretty bad.

2238
01:56:02.039 --> 01:56:06.319
<v Speaker 5>And it's a very difficult area of law construction defects.

2239
01:56:07.039 --> 01:56:11.000
<v Speaker 5>But you know, we've seen attorneys very successful at it.

2240
01:56:12.680 --> 01:56:14.560
<v Speaker 5>But what they do they like to send you to

2241
01:56:14.680 --> 01:56:18.720
<v Speaker 5>the structural warranty and then the structural warranty will cover

2242
01:56:18.880 --> 01:56:24.199
<v Speaker 5>certain situations. Mike has a comment on Laura's situation where

2243
01:56:24.279 --> 01:56:26.720
<v Speaker 5>her three car garage was separating from the home.

2244
01:56:27.199 --> 01:56:28.760
<v Speaker 6>What is your comment on this, Mike?

2245
01:56:31.560 --> 01:56:34.199
<v Speaker 16>It sounds like she's in over her head and I'm

2246
01:56:34.239 --> 01:56:38.880
<v Speaker 16>wondering if she would be better served by contacting Genesis

2247
01:56:39.760 --> 01:56:43.479
<v Speaker 16>or a comprehensive bid on what it would take to

2248
01:56:44.159 --> 01:56:50.520
<v Speaker 16>restore her situation, and also contacting your independent insurance adjuster

2249
01:56:51.119 --> 01:56:52.439
<v Speaker 16>to help her fight the fight.

2250
01:56:55.119 --> 01:56:57.800
<v Speaker 6>Well, you know, assurance adjuster.

2251
01:56:58.439 --> 01:57:01.199
<v Speaker 5>I'm not sure an independent insurance and jujuster can help

2252
01:57:01.920 --> 01:57:03.560
<v Speaker 5>with a warranty like that.

2253
01:57:04.479 --> 01:57:08.439
<v Speaker 6>I don't think. I don't think it can. But I'm

2254
01:57:08.640 --> 01:57:12.760
<v Speaker 6>wondering about the other thing you said.

2255
01:57:13.720 --> 01:57:16.600
<v Speaker 5>And what I did tell her to do is to

2256
01:57:16.760 --> 01:57:21.760
<v Speaker 5>get already an estimate on the cosmetic repairs and then

2257
01:57:21.880 --> 01:57:26.479
<v Speaker 5>to get an estimate on the roof repairs and combine

2258
01:57:26.600 --> 01:57:32.239
<v Speaker 5>that with an estimate from the engineers. So what would

2259
01:57:32.319 --> 01:57:35.079
<v Speaker 5>be different from what you're suggesting that what I'm suggesting

2260
01:57:35.479 --> 01:57:38.560
<v Speaker 5>I told her to get those together and then to

2261
01:57:38.720 --> 01:57:43.199
<v Speaker 5>consult Neil Hollington, a construction defect attorney.

2262
01:57:43.600 --> 01:57:45.800
<v Speaker 6>Isn't that really? Aren't we both saying the same thing?

2263
01:57:47.520 --> 01:57:53.560
<v Speaker 16>Well, but with your suggestions, she's contacting multiple trades and

2264
01:57:53.680 --> 01:57:58.680
<v Speaker 16>there may be things that are left out because this

2265
01:57:58.920 --> 01:58:03.199
<v Speaker 16>trade didn't cover it and this trade did not as well.

2266
01:58:03.720 --> 01:58:07.760
<v Speaker 16>Whereas Genesis can take a look at the situation from

2267
01:58:07.800 --> 01:58:09.720
<v Speaker 16>a total package stand, Yeah.

2268
01:58:09.600 --> 01:58:15.520
<v Speaker 6>They could. They could nothing left out. That's one possibility.

2269
01:58:15.640 --> 01:58:19.039
<v Speaker 5>For sure that I see what you're saying, or what

2270
01:58:19.159 --> 01:58:22.520
<v Speaker 5>you're saying is a general contractor basically who can look

2271
01:58:22.560 --> 01:58:25.479
<v Speaker 5>at the whole job and say, here are the elements,

2272
01:58:26.039 --> 01:58:28.600
<v Speaker 5>this is what needs to be done in addition to

2273
01:58:28.680 --> 01:58:29.760
<v Speaker 5>the engineer's report.

2274
01:58:30.279 --> 01:58:31.640
<v Speaker 6>That's not a bad idea.

2275
01:58:32.079 --> 01:58:36.920
<v Speaker 5>So she could call a roofer, she can call cosmetic repair,

2276
01:58:37.479 --> 01:58:41.039
<v Speaker 5>she could call and I would think, you know, one

2277
01:58:41.239 --> 01:58:45.960
<v Speaker 5>contractor like a Genesis would be smart as well. Again,

2278
01:58:46.479 --> 01:58:50.119
<v Speaker 5>I think what she has to do though, is definitely

2279
01:58:50.720 --> 01:58:54.399
<v Speaker 5>definitely see this construction defect attorney and.

2280
01:58:56.319 --> 01:58:59.920
<v Speaker 6>Construction defects never used to be an area of law.

2281
01:59:00.359 --> 01:59:02.920
<v Speaker 6>I mean people would build a house, sell a house,

2282
01:59:03.000 --> 01:59:03.840
<v Speaker 6>and you were done with it.

2283
01:59:05.640 --> 01:59:09.239
<v Speaker 5>The laws have been changed a bit to favor consumers

2284
01:59:09.720 --> 01:59:13.159
<v Speaker 5>over the years, and they can bring lawsuits and there

2285
01:59:13.239 --> 01:59:17.760
<v Speaker 5>have been a lot of successes. The one thing that

2286
01:59:18.000 --> 01:59:22.680
<v Speaker 5>is very difficult in construction defect is funding it. You

2287
01:59:22.840 --> 01:59:26.640
<v Speaker 5>don't always get attorney's fees and that can be cost

2288
01:59:26.760 --> 01:59:30.680
<v Speaker 5>prohibitive sometimes. That's why you need a good attorney who

2289
01:59:30.840 --> 01:59:36.000
<v Speaker 5>is used to uh fighting these things and can go

2290
01:59:36.239 --> 01:59:41.560
<v Speaker 5>for attorney's fees. Three oh three Martino is our number

2291
01:59:42.319 --> 01:59:45.520
<v Speaker 5>three oh three six, two seven eight four sixty six.

2292
01:59:45.640 --> 01:59:48.760
<v Speaker 5>John Fuller in the house. We've been talking to him

2293
01:59:49.199 --> 01:59:53.439
<v Speaker 5>on and off about different things, Sir John. Someone wants

2294
01:59:53.520 --> 01:59:59.079
<v Speaker 5>to know if you have an umbrella policy, does that

2295
01:59:59.279 --> 02:00:03.800
<v Speaker 5>ever come back and cover you with your uninsured or

2296
02:00:03.920 --> 02:00:07.600
<v Speaker 5>underinsured motorist coverage? Is it an umbrella over that kind

2297
02:00:07.640 --> 02:00:11.319
<v Speaker 5>of coverage or only over harm you do to others?

2298
02:00:11.640 --> 02:00:11.800
<v Speaker 6>Yeah?

2299
02:00:11.960 --> 02:00:14.640
<v Speaker 13>Not by default, Tom. You know, it's it's funny. I

2300
02:00:14.800 --> 02:00:18.840
<v Speaker 13>just renewed my umbrella policy yesterday. Yes, And I always

2301
02:00:18.880 --> 02:00:21.399
<v Speaker 13>tell people, you know, you go, at least the company

2302
02:00:21.439 --> 02:00:24.039
<v Speaker 13>that I use it has me fill out a questionnaire

2303
02:00:24.079 --> 02:00:26.119
<v Speaker 13>every year, you know, have you had any accidents, have

2304
02:00:26.279 --> 02:00:29.600
<v Speaker 13>you been sued, or you know, anything like that, just

2305
02:00:29.680 --> 02:00:32.680
<v Speaker 13>to assess whether the risk profile has changed. But then

2306
02:00:32.760 --> 02:00:35.439
<v Speaker 13>towards the end of it, it says, you understand that

2307
02:00:35.760 --> 02:00:39.600
<v Speaker 13>uninsured motorists is available under this policy, but you have

2308
02:00:39.720 --> 02:00:40.600
<v Speaker 13>to pay separate for it.

2309
02:00:40.720 --> 02:00:41.560
<v Speaker 6>Do you want to buy it?

2310
02:00:42.039 --> 02:00:44.560
<v Speaker 13>And I always go absolutely in the same amount that

2311
02:00:44.600 --> 02:00:47.479
<v Speaker 13>I'm buying the umbrella, And so you know, for me,

2312
02:00:47.760 --> 02:00:50.479
<v Speaker 13>it was an extra, it was an extra like four

2313
02:00:50.560 --> 02:00:53.119
<v Speaker 13>hundred bucks, but that was a five million dollar umbrella.

2314
02:00:53.239 --> 02:00:56.600
<v Speaker 13>So it's very very cheap to add on that coverage.

2315
02:00:57.079 --> 02:01:00.600
<v Speaker 13>Not every umbrella company will do it. I'm led to believe.

2316
02:01:00.960 --> 02:01:03.600
<v Speaker 7>State Farm, All State. A lot of them simply do

2317
02:01:03.800 --> 02:01:05.520
<v Speaker 7>not offer a John. I had to go to an

2318
02:01:05.560 --> 02:01:07.359
<v Speaker 7>outside car well, and I do as well.

2319
02:01:07.439 --> 02:01:10.079
<v Speaker 13>I have USAA as a primary company, but they don't

2320
02:01:10.159 --> 02:01:13.359
<v Speaker 13>individually offer it, but they have this relationship with a

2321
02:01:13.399 --> 02:01:17.199
<v Speaker 13>company called RLI and that's who I buy the umbrella with.

2322
02:01:17.359 --> 02:01:20.800
<v Speaker 13>So it's it's important enough that if your company doesn't

2323
02:01:20.880 --> 02:01:22.760
<v Speaker 13>offer it, go to a different company.

2324
02:01:22.840 --> 02:01:24.159
<v Speaker 6>I mean, it's just that simple.

2325
02:01:24.680 --> 02:01:29.159
<v Speaker 13>You can only protect yourself by buying uninsured motorist coverage

2326
02:01:29.920 --> 02:01:32.359
<v Speaker 13>on your policy, and you generally can only buy it

2327
02:01:32.479 --> 02:01:34.960
<v Speaker 13>in the amounts that your underlying liability is for.

2328
02:01:35.680 --> 02:01:39.399
<v Speaker 6>And that's you know, that's critical. This is a little outside.

2329
02:01:39.600 --> 02:01:46.119
<v Speaker 7>But if someone has an umbrella but they accidentally lowered

2330
02:01:46.880 --> 02:01:51.119
<v Speaker 7>their liability on their standard insurance, say they're only at

2331
02:01:51.159 --> 02:01:54.399
<v Speaker 7>one hundred and two fifty, and the umbrella doesn't pick

2332
02:01:54.520 --> 02:01:56.399
<v Speaker 7>up to a half a million John, if this is

2333
02:01:56.479 --> 02:01:59.840
<v Speaker 7>making sense, would it still pay after that gap?

2334
02:02:00.920 --> 02:02:05.039
<v Speaker 13>You know, in my policy it says very clearly, you

2335
02:02:05.239 --> 02:02:08.600
<v Speaker 13>understand you have to maintain this level of coverage, right,

2336
02:02:09.119 --> 02:02:12.479
<v Speaker 13>I respect that. What would happen is if they still

2337
02:02:12.960 --> 02:02:16.159
<v Speaker 13>if they didn't consider that an outright breach, they would

2338
02:02:16.199 --> 02:02:20.119
<v Speaker 13>certainly not pick up coverage until that threshold amount that

2339
02:02:20.279 --> 02:02:23.000
<v Speaker 13>you were supposed to have that was reached.

2340
02:02:23.199 --> 02:02:24.800
<v Speaker 6>So in other words, if you lowered.

2341
02:02:24.600 --> 02:02:26.560
<v Speaker 13>It to one hundred, but you were supposed to have

2342
02:02:26.640 --> 02:02:29.720
<v Speaker 13>two fifty, they wouldn't cover any of those damages from

2343
02:02:29.760 --> 02:02:31.720
<v Speaker 13>one hundred up to two fifty, and they would pick

2344
02:02:31.800 --> 02:02:35.399
<v Speaker 13>up at two fifty and one dollars, you know, of

2345
02:02:35.479 --> 02:02:38.760
<v Speaker 13>the damages. That's that's my guess, But some of them

2346
02:02:38.880 --> 02:02:41.760
<v Speaker 13>may very well say we're just flat not gonna cover

2347
02:02:41.880 --> 02:02:42.800
<v Speaker 13>it at all, because.

2348
02:02:42.560 --> 02:02:45.239
<v Speaker 5>In other words, you've breached your contracts with us. You bet,

2349
02:02:45.920 --> 02:02:48.520
<v Speaker 5>you bet, so keep that in mind, folks. What we're

2350
02:02:48.520 --> 02:02:51.600
<v Speaker 5>talking about is this, if you get an umbrella policy,

2351
02:02:52.039 --> 02:02:57.760
<v Speaker 5>that umbrella policy will have requirements for underlying coverages. Obviously

2352
02:02:57.920 --> 02:03:01.119
<v Speaker 5>they don't want you to, you know, to ensure for

2353
02:03:01.199 --> 02:03:04.439
<v Speaker 5>the bare minimum, and then they become your primary insurance.

2354
02:03:04.800 --> 02:03:08.479
<v Speaker 5>The umbrella is only supposed to be for excess liability.

2355
02:03:08.680 --> 02:03:12.159
<v Speaker 7>And if you go in just on that same strain there,

2356
02:03:12.880 --> 02:03:16.479
<v Speaker 7>what is the average, like, how many accidents over the

2357
02:03:16.600 --> 02:03:19.680
<v Speaker 7>years you've been doing this? John really hit that five

2358
02:03:19.800 --> 02:03:24.000
<v Speaker 7>hundred thousand dollars or I'm sorry, more than five hundred

2359
02:03:24.079 --> 02:03:24.800
<v Speaker 7>thousand dollars.

2360
02:03:25.000 --> 02:03:29.680
<v Speaker 6>I mean like one percent. Yeah, probably, okay, and that's

2361
02:03:29.680 --> 02:03:32.239
<v Speaker 6>why umbrellas are so cheap, one to five percent.

2362
02:03:32.359 --> 02:03:34.960
<v Speaker 13>But I mean, it's how many accidents do We run

2363
02:03:35.000 --> 02:03:37.640
<v Speaker 13>out of coverage all the time, all the time? Okay,

2364
02:03:37.960 --> 02:03:40.239
<v Speaker 13>But running out of coverage on a twenty five thousand

2365
02:03:40.239 --> 02:03:42.920
<v Speaker 13>dollars policy or a fifty thousand dollars policy, and that's

2366
02:03:43.000 --> 02:03:45.760
<v Speaker 13>not hard to do. But running out of coverage on

2367
02:03:45.800 --> 02:03:47.880
<v Speaker 13>a half a million or a million or something like that,

2368
02:03:48.159 --> 02:03:50.159
<v Speaker 13>that takes significantly more dan.

2369
02:03:50.199 --> 02:03:52.239
<v Speaker 7>A lot of people don't realize. They think, oh, well,

2370
02:03:52.359 --> 02:03:55.479
<v Speaker 7>fifty thousand dollars in coverage. We'll think about this. If

2371
02:03:55.520 --> 02:03:58.640
<v Speaker 7>someone runs through a red light and hits multiple people,

2372
02:03:59.039 --> 02:04:03.199
<v Speaker 7>you could be talking ten different people splitting fifty thousand dollars.

2373
02:04:03.279 --> 02:04:04.119
<v Speaker 6>Absolutely, you could.

2374
02:04:04.199 --> 02:04:07.119
<v Speaker 13>The other thing is people here, there's a million dollars

2375
02:04:07.159 --> 02:04:09.960
<v Speaker 13>of coverage, and they automatically think I get a million dollars,

2376
02:04:10.319 --> 02:04:13.159
<v Speaker 13>And that's not the case. You still have to have

2377
02:04:13.359 --> 02:04:16.880
<v Speaker 13>damages that warrant that the true measure of the value

2378
02:04:16.960 --> 02:04:20.079
<v Speaker 13>of your case is what some hypothetical jury would award

2379
02:04:20.159 --> 02:04:22.840
<v Speaker 13>for those damages, and then we look to see if

2380
02:04:22.880 --> 02:04:25.840
<v Speaker 13>the insurance coverage is there to make you hold based

2381
02:04:25.920 --> 02:04:28.439
<v Speaker 13>upon those damages pre.

2382
02:04:28.560 --> 02:04:32.279
<v Speaker 5>Three seven, one, three eight, two five five What home

2383
02:04:33.000 --> 02:04:37.279
<v Speaker 5>delivery services rate one two and three. I'll tell you

2384
02:04:37.399 --> 02:04:45.359
<v Speaker 5>that coming up on the Troubleshooter Show. Go with a

2385
02:04:45.479 --> 02:04:48.960
<v Speaker 5>sure thing Denver's Best roofer Excel Roofing dot com. You

2386
02:04:49.039 --> 02:04:54.800
<v Speaker 5>don't pay a cent until you're content. Time for an

2387
02:04:54.840 --> 02:04:59.000
<v Speaker 5>insurance check up free, no obligation. In comparison, call Compass Insurance.

2388
02:04:59.199 --> 02:05:02.199
<v Speaker 5>Pay too much your coverage at dozens of insurance companies

2389
02:05:02.319 --> 02:05:04.520
<v Speaker 5>find out now three all three, seven to seven to one.

2390
02:05:04.640 --> 02:05:04.880
<v Speaker 6>Help.

2391
02:05:05.079 --> 02:05:07.720
<v Speaker 5>You'll think you're his only customer when you choose Frank

2392
02:05:07.800 --> 02:05:10.199
<v Speaker 5>durand the real estate Man dot com to list your

2393
02:05:10.279 --> 02:05:13.880
<v Speaker 5>home with Remax Alliance three three nine two zero sixteen

2394
02:05:13.960 --> 02:05:19.279
<v Speaker 5>twenty two. Hi Tom Martine here, I want to talk

2395
02:05:19.319 --> 02:05:23.159
<v Speaker 5>to Steve about Laura's issue. We have a comment, Steve,

2396
02:05:23.439 --> 02:05:26.000
<v Speaker 5>go ahead, What is your comment on Laura's issue with

2397
02:05:26.079 --> 02:05:28.399
<v Speaker 5>the garage coming off the house on a Richmond home.

2398
02:05:29.960 --> 02:05:32.840
<v Speaker 9>Well, what I was wondering is there any experts out

2399
02:05:32.880 --> 02:05:36.880
<v Speaker 9>there that could determine when that started, because maybe it

2400
02:05:37.000 --> 02:05:39.279
<v Speaker 9>started under the other warranty.

2401
02:05:40.319 --> 02:05:45.680
<v Speaker 5>Hmm, under if it started during the first year. However,

2402
02:05:46.039 --> 02:05:48.840
<v Speaker 5>it's been four years. I think it would be too

2403
02:05:48.920 --> 02:05:50.600
<v Speaker 5>difficult to go retroactive.

2404
02:05:50.920 --> 02:05:53.560
<v Speaker 7>Well you know, if I don't, you might be able

2405
02:05:53.640 --> 02:05:58.359
<v Speaker 7>to go retriate wreck retro thank you, But.

2406
02:05:58.600 --> 02:06:00.600
<v Speaker 6>I don't know how you would ever prove that. I

2407
02:06:00.640 --> 02:06:01.640
<v Speaker 6>don't know when you could.

2408
02:06:02.039 --> 02:06:04.399
<v Speaker 17>Yeah, that was what I was wondering, if anybody could

2409
02:06:04.479 --> 02:06:06.760
<v Speaker 17>do that, just I didn't realize it was four years.

2410
02:06:06.840 --> 02:06:11.159
<v Speaker 5>But yeah, you know, I think and I'm not even

2411
02:06:11.279 --> 02:06:15.880
<v Speaker 5>sure by the way, that that matters. Sometimes warranty issues

2412
02:06:15.920 --> 02:06:18.359
<v Speaker 5>are when you report them or when you should have

2413
02:06:18.479 --> 02:06:20.479
<v Speaker 5>reported them, when you should have known about them.

2414
02:06:20.560 --> 02:06:22.760
<v Speaker 13>Right, and then you've been your statute of repose too

2415
02:06:22.840 --> 02:06:25.560
<v Speaker 13>that no matter what, they have to be done before

2416
02:06:25.640 --> 02:06:27.720
<v Speaker 13>a certain amount. So it's kind of like a double

2417
02:06:28.239 --> 02:06:29.840
<v Speaker 13>a double statute of limitations.

2418
02:06:30.159 --> 02:06:33.119
<v Speaker 14>If their doors didn't close for a while and they

2419
02:06:33.159 --> 02:06:35.119
<v Speaker 14>didn't realize that was what was cousmic.

2420
02:06:35.239 --> 02:06:36.760
<v Speaker 9>That was kind of where I was thinking of.

2421
02:06:37.319 --> 02:06:42.000
<v Speaker 5>But it's sometimes on the consumer, but it's sometimes I'm

2422
02:06:42.039 --> 02:06:42.760
<v Speaker 5>the consumer to.

2423
02:06:42.840 --> 02:06:46.039
<v Speaker 6>Investigate and find out that's why they have that should.

2424
02:06:45.760 --> 02:06:46.319
<v Speaker 14>Have known.

2425
02:06:47.760 --> 02:06:49.720
<v Speaker 9>So fine, That just was the thought I had.

2426
02:06:49.760 --> 02:06:51.760
<v Speaker 6>Got it all right, thanks Steve.

2427
02:06:52.199 --> 02:06:54.199
<v Speaker 5>Uh And then we have another Steve wants to talk

2428
02:06:54.239 --> 02:06:58.159
<v Speaker 5>about beer, and this is our good old beer, our

2429
02:06:58.279 --> 02:07:02.239
<v Speaker 5>brewer at rock and Roll Dot Beer. Rock and Roll

2430
02:07:02.359 --> 02:07:06.760
<v Speaker 5>Dot Beer. This is a really long special weekend. Do

2431
02:07:06.880 --> 02:07:09.720
<v Speaker 5>you have special things going on every day or what's

2432
02:07:09.800 --> 02:07:10.079
<v Speaker 5>going on?

2433
02:07:10.279 --> 02:07:10.560
<v Speaker 6>Steve?

2434
02:07:12.199 --> 02:07:16.039
<v Speaker 9>Well, I wish it was every day. It's just Saturdays.

2435
02:07:16.479 --> 02:07:19.800
<v Speaker 9>But this Saturday, everybody's been waiting for the American flag.

2436
02:07:20.479 --> 02:07:24.159
<v Speaker 9>I have a special It's a polyester and standex special material,

2437
02:07:25.119 --> 02:07:28.680
<v Speaker 9>super cool wrap American flag shirt with our logo on it.

2438
02:07:28.760 --> 02:07:31.199
<v Speaker 9>And they just came in. I know Mark wanted one

2439
02:07:31.560 --> 02:07:33.159
<v Speaker 9>first thing when he went to the brewery. The first

2440
02:07:33.159 --> 02:07:35.000
<v Speaker 9>thing he said, Hey, you got an American flag shirt?

2441
02:07:35.399 --> 02:07:37.560
<v Speaker 9>I said, on order, But they're here now.

2442
02:07:37.720 --> 02:07:40.520
<v Speaker 6>So it's an American flag shirt. Yeah, if you go

2443
02:07:40.640 --> 02:07:42.520
<v Speaker 6>to rock and Roll Dot Beer, I think you can

2444
02:07:42.600 --> 02:07:42.880
<v Speaker 6>see it.

2445
02:07:44.520 --> 02:07:48.239
<v Speaker 9>Okay, gunline and you know should be under a shop

2446
02:07:48.319 --> 02:07:50.920
<v Speaker 9>online or something. Look on there and there's a special

2447
02:07:50.960 --> 02:07:51.920
<v Speaker 9>on them that will.

2448
02:07:51.880 --> 02:07:54.720
<v Speaker 6>Oh yeah, oh yeah, it's really cool.

2449
02:07:55.199 --> 02:07:58.640
<v Speaker 12>It's really cool, really light material for hot weather.

2450
02:07:58.760 --> 02:08:01.760
<v Speaker 9>It's it's really nice. The Mango shirts the same material.

2451
02:08:02.720 --> 02:08:06.880
<v Speaker 9>But anyway, we're I'm doing something special this weekend. First

2452
02:08:06.880 --> 02:08:08.520
<v Speaker 9>of all, there was a lot of tree orders, so

2453
02:08:08.760 --> 02:08:11.399
<v Speaker 9>I've already sold a bunch of these online. People were

2454
02:08:11.439 --> 02:08:14.199
<v Speaker 9>waiting for them, so I have a lot left. So

2455
02:08:14.279 --> 02:08:18.319
<v Speaker 9>I'm going to if somebody buys two of them this weekend,

2456
02:08:18.720 --> 02:08:21.520
<v Speaker 9>I'm going to give them a free upgrade to the

2457
02:08:21.640 --> 02:08:26.359
<v Speaker 9>brew Fest from general admission to all Access pass. And

2458
02:08:26.479 --> 02:08:28.359
<v Speaker 9>what that does is that's going to give you a

2459
02:08:28.680 --> 02:08:33.560
<v Speaker 9>seven piece Famous Days dinner, free NASCAR ticket, free, you

2460
02:08:33.640 --> 02:08:36.600
<v Speaker 9>can win a guitar. There's a lot of value in that.

2461
02:08:36.840 --> 02:08:39.000
<v Speaker 9>So you know, just just for buying a couple of shirts,

2462
02:08:39.039 --> 02:08:41.359
<v Speaker 9>I'm going to give you a free upgrade from general

2463
02:08:41.439 --> 02:08:45.920
<v Speaker 9>admissions twenty five dollars at the Brewfest for for August second,

2464
02:08:46.399 --> 02:08:50.359
<v Speaker 9>and the all access is forty five dollars, which is really.

2465
02:08:50.199 --> 02:08:53.159
<v Speaker 6>A super Yeah, but this for this weekend, there's no price.

2466
02:08:53.239 --> 02:08:54.800
<v Speaker 6>People can just show up, right.

2467
02:08:55.920 --> 02:08:58.039
<v Speaker 9>Yeah, people going to show up. You can buy online

2468
02:08:58.119 --> 02:09:01.840
<v Speaker 9>right now and bring your receipt in and this weekend,

2469
02:09:01.880 --> 02:09:03.600
<v Speaker 9>and I'll give you your free beer. I'm gonna give

2470
02:09:03.600 --> 02:09:05.239
<v Speaker 9>you if you buy two shirts, I'm gonna give you

2471
02:09:05.319 --> 02:09:07.800
<v Speaker 9>pre one one pre beer.

2472
02:09:08.840 --> 02:09:11.439
<v Speaker 6>Okay, let me get this straight. Then, well there, let

2473
02:09:11.479 --> 02:09:12.199
<v Speaker 6>me get this straight.

2474
02:09:12.600 --> 02:09:16.119
<v Speaker 5>So we have Saturday, August seventh, from two to ten

2475
02:09:17.000 --> 02:09:20.760
<v Speaker 5>is the brew VIP Brew Festival right at your beer garden.

2476
02:09:21.199 --> 02:09:25.199
<v Speaker 9>Yep, Okay, it's gonna be the brew Festival twenty twenty

2477
02:09:25.279 --> 02:09:29.239
<v Speaker 9>five brewing beers for forty years. I've been brewing commercially

2478
02:09:29.359 --> 02:09:32.840
<v Speaker 9>for forty years. Okay, So that's gonna be our Brewfest

2479
02:09:34.119 --> 02:09:38.199
<v Speaker 9>August second, so day after my birthday, Okay, made it

2480
02:09:38.279 --> 02:09:40.039
<v Speaker 9>to be. I'll be sixty nine.

2481
02:09:40.760 --> 02:09:45.399
<v Speaker 5>That's that's separate from that's separate from this weekend. So

2482
02:09:45.479 --> 02:09:47.680
<v Speaker 5>I don't want him to get it confused. This weekend

2483
02:09:47.800 --> 02:09:48.920
<v Speaker 5>is not the Brewfest.

2484
02:09:51.079 --> 02:09:53.520
<v Speaker 9>This weekend is no just a little you know, we're

2485
02:09:53.520 --> 02:09:55.359
<v Speaker 9>gonna have a little special things for the Fourth of

2486
02:09:55.439 --> 02:09:58.680
<v Speaker 9>July weekend. But it's gonna be this shirt's gonna be

2487
02:09:58.760 --> 02:10:00.319
<v Speaker 9>on sale. If you buy a co all of them,

2488
02:10:00.319 --> 02:10:03.039
<v Speaker 9>I'm gonna give you a free beer. I'm gonna give

2489
02:10:03.039 --> 02:10:04.800
<v Speaker 9>you if you buy a couple of them and you

2490
02:10:04.880 --> 02:10:07.439
<v Speaker 9>want to get into the Brew Fast, I'm gonna give

2491
02:10:07.439 --> 02:10:11.479
<v Speaker 9>you that special deal right upgrade to all right, right,

2492
02:10:11.720 --> 02:10:14.880
<v Speaker 9>you know, so this weekend is this shirt is really cool.

2493
02:10:14.920 --> 02:10:17.520
<v Speaker 9>They're gonna they're probably gonna sell out and I'll reorder them,

2494
02:10:17.920 --> 02:10:19.880
<v Speaker 9>but there is okay, when you see it, you'll know

2495
02:10:19.920 --> 02:10:20.359
<v Speaker 9>what I mean.

2496
02:10:20.880 --> 02:10:23.840
<v Speaker 5>So the brew fest itself is August seventh, from two

2497
02:10:23.880 --> 02:10:28.319
<v Speaker 5>to ten on Saturday. A second, second, second, That's why

2498
02:10:28.319 --> 02:10:28.680
<v Speaker 5>I'm sorry.

2499
02:10:28.720 --> 02:10:29.800
<v Speaker 6>I didn't say that.

2500
02:10:29.840 --> 02:10:32.359
<v Speaker 5>I thought I did August second, two to ten and

2501
02:10:32.479 --> 02:10:34.399
<v Speaker 5>to find out more about it, rock and roll Dot

2502
02:10:34.520 --> 02:10:40.039
<v Speaker 5>beer and then this Saturday, like this Saturday, it's the

2503
02:10:40.159 --> 02:10:44.279
<v Speaker 5>regular beer garden. And somebody wanted to know, and I

2504
02:10:44.399 --> 02:10:47.239
<v Speaker 5>put this away from the last time you're on. Do

2505
02:10:47.359 --> 02:10:49.279
<v Speaker 5>you just show up at the beer gardener? Do you

2506
02:10:49.439 --> 02:10:51.560
<v Speaker 5>have to have a time? In other words, is it

2507
02:10:51.800 --> 02:10:54.039
<v Speaker 5>like because they heard it was limited, do you have

2508
02:10:54.159 --> 02:10:55.560
<v Speaker 5>to call ahead and get a slot.

2509
02:10:57.439 --> 02:11:00.720
<v Speaker 9>No, you can come anytime you want from two pm

2510
02:11:00.800 --> 02:11:04.439
<v Speaker 9>to nine pm. But it doesn't cost anything to reserve

2511
02:11:04.520 --> 02:11:07.800
<v Speaker 9>the time. The more people know about us, Tom, because

2512
02:11:07.840 --> 02:11:11.560
<v Speaker 9>this is still new here, it's going to start getting

2513
02:11:11.640 --> 02:11:14.479
<v Speaker 9>a little more you know, a little more chance of

2514
02:11:15.720 --> 02:11:18.680
<v Speaker 9>capacity being filled up. But I'm going to be asking

2515
02:11:18.800 --> 02:11:22.159
<v Speaker 9>for more capacity in more days because we want to

2516
02:11:22.159 --> 02:11:24.560
<v Speaker 9>get a food truck and you know, I can't justify

2517
02:11:24.600 --> 02:11:27.119
<v Speaker 9>a food truck for Saturdays only.

2518
02:11:28.159 --> 02:11:31.199
<v Speaker 5>How many people are you right now? How many people.

2519
02:11:31.279 --> 02:11:35.239
<v Speaker 5>Are you limited to right now on a Saturday.

2520
02:11:34.880 --> 02:11:38.079
<v Speaker 9>On Saturday, yeah, twenty five on a Saturday, and the

2521
02:11:38.199 --> 02:11:40.319
<v Speaker 9>special event August seven, well.

2522
02:11:40.159 --> 02:11:42.680
<v Speaker 7>Hold on, hold on, I want to clarify for you, Steve.

2523
02:11:42.720 --> 02:11:45.560
<v Speaker 7>It's twenty five at a time, Tom, so you know

2524
02:11:45.760 --> 02:11:47.720
<v Speaker 7>when people leave people can come in.

2525
02:11:48.520 --> 02:11:52.640
<v Speaker 9>Right yes, yes, yes, and then also seventy five for

2526
02:11:52.800 --> 02:11:56.439
<v Speaker 9>the special event August second, seventy five at a time.

2527
02:11:56.800 --> 02:11:59.399
<v Speaker 9>Now that one, now, when that sells out, it'll be

2528
02:12:00.119 --> 02:12:02.920
<v Speaker 9>uh it'll probably just be, you know, not really open

2529
02:12:02.960 --> 02:12:06.039
<v Speaker 9>to the public, but that one's gonna sell out, I believe.

2530
02:12:06.079 --> 02:12:08.520
<v Speaker 9>And I'll tell you what you know, your callers. If

2531
02:12:08.600 --> 02:12:13.239
<v Speaker 9>somebody uh Go does the reservation for that FRU festival

2532
02:12:13.319 --> 02:12:17.319
<v Speaker 9>today from your show, I'm gonna give them. Don't tell

2533
02:12:17.359 --> 02:12:21.000
<v Speaker 9>anybody else this is near to happen other than your callers.

2534
02:12:21.319 --> 02:12:25.039
<v Speaker 9>I'm gonna give them a free American UH flag T shirt.

2535
02:12:25.359 --> 02:12:29.159
<v Speaker 9>If we pay for the for the all access pass,

2536
02:12:29.199 --> 02:12:31.439
<v Speaker 9>I'm gonna give them one free T shirt and then

2537
02:12:31.439 --> 02:12:34.119
<v Speaker 9>I'm gonna kill myself. They call oh Man money.

2538
02:12:35.479 --> 02:12:39.600
<v Speaker 5>So if you call today and you reserve for August second,

2539
02:12:40.199 --> 02:12:43.720
<v Speaker 5>if you reserve for August second for the all if

2540
02:12:43.760 --> 02:12:46.520
<v Speaker 5>you buy the all Access vi P pass for forty

2541
02:12:46.560 --> 02:12:49.640
<v Speaker 5>five bucks. By the way, that includes a famous Dave's

2542
02:12:50.439 --> 02:12:56.039
<v Speaker 5>Barbecue dinner and a VIP NASCAR race ticket, one free

2543
02:12:56.159 --> 02:12:59.439
<v Speaker 5>craft beer. You're also going to get that special American

2544
02:12:59.520 --> 02:13:03.319
<v Speaker 5>Flag T shirt. That is a really cool shirt. They

2545
02:13:03.479 --> 02:13:04.800
<v Speaker 5>flag wraps all the way around.

2546
02:13:06.119 --> 02:13:08.880
<v Speaker 9>They're getting eighty dollars worth of stuff. Plus I'm gonna

2547
02:13:08.880 --> 02:13:11.880
<v Speaker 9>give him the American Flag T shirt. But that's only today,

2548
02:13:11.960 --> 02:13:13.560
<v Speaker 9>and that's only from your callers.

2549
02:13:14.079 --> 02:13:17.680
<v Speaker 6>Okay, only for my callers today. And where do they

2550
02:13:17.760 --> 02:13:18.319
<v Speaker 6>call today?

2551
02:13:20.039 --> 02:13:22.279
<v Speaker 9>Well, they don't have to call. They can just book

2552
02:13:22.319 --> 02:13:25.600
<v Speaker 9>it online. And just when they're booking online, they can

2553
02:13:25.680 --> 02:13:27.560
<v Speaker 9>call me, you know, they you know, contact me from

2554
02:13:27.600 --> 02:13:30.119
<v Speaker 9>the website or email me whatever and just say I

2555
02:13:30.279 --> 02:13:34.199
<v Speaker 9>heard you on the show today, and I'm gonna get

2556
02:13:34.239 --> 02:13:36.199
<v Speaker 9>I'm gonna go put them on a list to give

2557
02:13:36.279 --> 02:13:36.800
<v Speaker 9>him a T shirt.

2558
02:13:36.960 --> 02:13:37.119
<v Speaker 5>You know.

2559
02:13:37.239 --> 02:13:39.760
<v Speaker 7>Let's I mean, it's great pushing all this, but let's

2560
02:13:39.800 --> 02:13:42.720
<v Speaker 7>think of the beer. His beer is unbelievable. He's got

2561
02:13:42.840 --> 02:13:46.880
<v Speaker 7>seventeen different kinds. This guy's been brewing for half his life,

2562
02:13:46.920 --> 02:13:50.159
<v Speaker 7>if not longer. And I don't care if you like IPA's,

2563
02:13:50.199 --> 02:13:52.399
<v Speaker 7>I don't care what you like he's gonna have a

2564
02:13:52.479 --> 02:13:55.560
<v Speaker 7>beer you love, and he doesn't skimp on the ingredients.

2565
02:13:55.840 --> 02:14:00.079
<v Speaker 6>I mean, this guy uses Primo Preme. Yeah yeah, and

2566
02:14:00.199 --> 02:14:01.600
<v Speaker 6>Mark knows this beer. They love it.

2567
02:14:02.079 --> 02:14:04.119
<v Speaker 9>You got to come and try the bourbon. The bourbon

2568
02:14:04.199 --> 02:14:07.479
<v Speaker 9>beer is done now. I will be selling it this Saturday.

2569
02:14:07.880 --> 02:14:11.000
<v Speaker 9>I've already sold some last Saturday. It's the Bourbon Aged

2570
02:14:12.359 --> 02:14:15.199
<v Speaker 9>special ale this. I have so much money in this beer,

2571
02:14:16.079 --> 02:14:19.399
<v Speaker 9>it's crazy. I mean, you know, you wouldn't believe what

2572
02:14:19.520 --> 02:14:22.479
<v Speaker 9>you have to do to get that bourbon conditioning. It's

2573
02:14:22.600 --> 02:14:25.239
<v Speaker 9>really really good. You need to you know, you'll love it.

2574
02:14:25.720 --> 02:14:28.279
<v Speaker 5>I believe you, brother. Okay, rock and roll Dot Beer,

2575
02:14:28.399 --> 02:14:30.000
<v Speaker 5>rocknroll dot Beer. More coming up