Speaker 1: Ripped up new need. That's so you don't have to.
Speaker 2: Come running.
Speaker 3: Just as fast as we can.
Speaker 4: Shooter's gonna help coming.
Speaker 5: Man.
Speaker 1: This is the Troubleshooter Show. No Tom Martino, Hi Tom
Speaker 1: Martino here, Welcome to the show. Three oh three seven
Speaker 1: one three talk seven one three eight two five five.
Speaker 1: Everything sound good. I'm here, live and local and back
Speaker 1: from a oh some days off and I get my
Speaker 1: ass gets lazier every single time I do it. Perhaps
Speaker 1: what I ought to do is long weekend here or
Speaker 1: there or something like that. But by the way, thanks
Speaker 1: for coming here, Thanks for being here. Today's car day now. Uh,
Speaker 1: we don't have to talk just cars. We'll talk anything
Speaker 1: you want as always. That's what we do here on
Speaker 1: the Troubleshooter Shit. But I want to mention something, and
Speaker 1: that is you can call many different numbers. First of all,
Speaker 1: three oh three Martino, three oh three six, two seven,
Speaker 1: eight four sixty six. You can call that twenty four
Speaker 1: to seven and you'll get a recording of or out
Speaker 1: there and we just take a message. But I promise
Speaker 1: you we checked that all the time. And when are
Speaker 1: you wearing a snow hat? And when we're on just
Speaker 1: because I just had it on. It was really cold,
Speaker 1: and now they take it off. I'm going to look
Speaker 1: like Dilbert because of my wispy gray hair, so what
Speaker 1: the hell? Also, I'm trying to channel inner Bono or yeah,
Speaker 1: Bono Bono Bono Bono is the the other guy from
Speaker 1: the sixties Bono. I'm not. I'm not trying to channel
Speaker 1: Sonny how about So anyway, listen, but thanks for noticing Mark.
Speaker 1: I think it's quite attractive actually, But anyway, James wants
Speaker 1: to talk about living spaces. But first I just want
Speaker 1: to mention something. I just find this stranger. I want
Speaker 1: to get through it, you know, Honest to God, I
Speaker 1: was thinking of this coming in today. We start out
Speaker 1: life with no life, right, I mean, before we're born,
Speaker 1: we're all the same, whatever that is. And then after
Speaker 1: life we're all the same whatever that is. I mean,
Speaker 1: you know what I mean. Not some people believe different
Speaker 1: than again, And what I'm saying is before and after
Speaker 1: this light bulb we call life is up for controversy
Speaker 1: all the time. And then the light bulb itself is
Speaker 1: up for controversy as to what you are or should be,
Speaker 1: And so we're never without controversy, whether it's pre existence
Speaker 1: existence or post existence. We're always arguing. And then I realized,
Speaker 1: you know, this little bubble, this little light bulb of life.
Speaker 1: I'm thinking there are times we shouldn't do that. And
Speaker 1: God Almighty, I can't believe the lack of empathy for
Speaker 1: people and sympathy for people in California. Now, come on,
Speaker 1: I know a lot of people care, and a lot
Speaker 1: of people express care. But in general, if you look
Speaker 1: at social media and stuff, people are just downright bitter
Speaker 1: against Californians and well.
Speaker 2: The celebrities. I think they're picking on more than anybody though.
Speaker 1: Yeah, but all yeah, but also people you elected these
Speaker 1: feeble oh you know, you elected the people want to
Speaker 1: save the smelt fish and didn't put together enough water reserves.
Speaker 1: Or you elected the woman who defunded the or.
Speaker 6: How about are putting the budget by seventeen and a
Speaker 6: half million.
Speaker 1: Yeah, So anyway, I do agree that, you know, everything
Speaker 1: in life has consequences, but we don't want to see
Speaker 1: people suffer. No one does. They didn't get their comeuppings.
Speaker 1: It's wrong, you know. I mean, if you can take
Speaker 1: Newsome and maybe do a fire just around his house,
Speaker 1: I mean I might have a different opinion or that
Speaker 1: moron mare and the DA was was thrown out. I mean, listen, Yeah,
Speaker 1: you gotta feel for people. I don't care who they are,
Speaker 1: I gotta.
Speaker 7: Feel for I think people are so upset with the
Speaker 7: policy that it overrides their sympathy for the individuals.
Speaker 8: What who are suffering? Who are suffering?
Speaker 1: Everything? In life? God, everything has turned to politics. Everything everything,
Speaker 1: I mean, churches, charitable organizations, news organizations, social media organizations.
Speaker 1: I mean, but like I said, the three main I
Speaker 1: call them. Now. Listen, you might think I never even
Speaker 1: thought of that three stages of existence. But there was
Speaker 1: something before we were here, there's something now, and there's
Speaker 1: something after maybe right. That's again, that's all political, and
Speaker 1: that's all controversial. No one agrees on anything, and I
Speaker 1: don't think everyone should agree, but we all have to
Speaker 1: agree we have the same experience, whatever it is, We're
Speaker 1: all going to have the same experience. If if you
Speaker 1: think that you may be going to seventy two virgins
Speaker 1: in a paradise, that doesn't matter. That doesn't mean you will,
Speaker 1: and it doesn't mean I will. So the point is
Speaker 1: we're all on the same frickin' ride. I don't get
Speaker 1: why we seek division. I mean, even if I disagree
Speaker 1: with someone, I don't get it, and I think my
Speaker 1: heart breaks through these people. I don't care care. They're
Speaker 1: a smug ugly movie star who's a mass millions. They
Speaker 1: earned it. I mean, they didn't go out and rob
Speaker 1: bangs and they're losing everything. And you can't, you can't,
Speaker 1: you can't not feel that, right, I mean, And but
Speaker 1: the vitriol that was expressed or is being expressed in media,
Speaker 1: I can't believe. I don't think anyone deserves things like this.
Speaker 1: I mean, look, we all think about things like, you know,
Speaker 1: Jeffrey Dahmer being killed in prison and different kinds of
Speaker 1: stuff like that. Right, Okay, that's a different story. We
Speaker 1: may think who cares? But out here, I mean, you know,
Speaker 1: everybody is suffered, everybody, and so called Christians are are
Speaker 1: leading the pack with a you know, it's God's wrath.
Speaker 1: You know, it's whatever. I don't it just okay, it
Speaker 1: bothers me. You can make a comment of you want.
Speaker 1: You don't have to, It's okay. I mean, do you
Speaker 1: think it.
Speaker 6: Was divine intervention Trump turning his head instead of getting
Speaker 6: a bullet through his brain?
Speaker 1: No? I don't. I think that might. It doesn't matter
Speaker 1: what I think. It is what it is, So maybe
Speaker 1: it was, but I don't think it was. I don't
Speaker 1: think that God wanted him dead either. I don't think
Speaker 1: that the devil inspired the guy to do it. I
Speaker 1: think that right now, in a nutshell, I don't think
Speaker 1: God acts every single day on every single thing that happens.
Speaker 1: That's the and there's the reason I believe that. But
Speaker 1: I don't have to get into it. And again we're
Speaker 1: not going to agree on it. But I guarantee you
Speaker 1: my belief is not political. I just don't think it
Speaker 1: works that way. Otherwise, people hold God accountable for all
Speaker 1: the quadriplegic kids and different things. And you see somebody
Speaker 1: healed from some ailing, so that there's a preacher on
Speaker 1: TV saying, oh, you know, God, you know, relieve this
Speaker 1: person from my grains, and they walk away saying praise God. Okay, fine, fine, fine,
Speaker 1: But then then why don't we bring every brank, bring
Speaker 1: preacher go to children's hospital? You know, forget these rallies
Speaker 1: go to children's hospital. I don't, so I don't want
Speaker 1: to get into all that. So I no, I don't
Speaker 1: think I think we purposely aren't going to see those
Speaker 1: direct interventions on purpose, so we're not misled. In fact,
Speaker 1: I believe a lot of those interventions are misleading. So
Speaker 1: that's my belief. So no, I think it was it
Speaker 1: was wonderful that he wasn't killed. And do I think
Speaker 1: God had a direct hand and guided him to do
Speaker 1: that at the time, I personally don't. But that doesn't mean,
Speaker 1: you know, But I do believe there's a There are
Speaker 1: things that happen, and I think things happen for a
Speaker 1: reason too, But I I don't necessarily see God, a
Speaker 1: mediacal God up there playing with us like chess pieces.
Speaker 1: I just don't. I don't see it. But anyway, let's
Speaker 1: talk about consumer stuff. But really I want you to
Speaker 1: weigh in on anything you want. You can talk about
Speaker 1: anything you want, and by the way, you would get
Speaker 1: the respect of me listening. Do you really believe that
Speaker 1: God is targeting California? I mean, if you look at California,
Speaker 1: the place has no Oh my God has been devastated.
Speaker 1: But I mean not just by this, by other things.
Speaker 1: And anyway, so let's talk to James. But hold on,
Speaker 1: let me ask you this.
Speaker 6: Do you think to people in California have finally learned
Speaker 6: a lesson on who they're voting for.
Speaker 1: They might because a lot of this. By the way,
Speaker 1: even though I don't love turning everything into politics, I
Speaker 1: don't want the pain and misery turning into politics, but
Speaker 1: the devastation and the reason for it, if it is true,
Speaker 1: you know, I'm only cursory cursory reports. Supposedly that water
Speaker 1: supply was was not It was not reinforced because it
Speaker 1: would endanger the smelt fish. Is that true? Is that
Speaker 1: really really true? I mean I haven't really you know,
Speaker 1: looked into it enough. But is that true? Mark, have
Speaker 1: you looked into it?
Speaker 6: Or are you feelings you mean on the water thing
Speaker 6: you protect the smelt.
Speaker 1: Yeah, do you think yeah? Well yeah, absolutely it's true.
Speaker 1: If you smelt it, you dealt it. So he basically said, well,
Speaker 1: you know, he basically made a decision not to reserve
Speaker 1: more water than he could. Yeah, it was available. But
Speaker 1: if I think they have a Kelly's really good at this,
Speaker 1: she knows that area. But I think there's a ton
Speaker 1: of reservoirs out there that are empty because of that decision.
Speaker 9: Well they're not empty, they're just not being filled because
Speaker 9: of the protection of the delta smelt and it's the
Speaker 9: size of your pinky.
Speaker 6: And is it true it's a fish you can't eat
Speaker 6: top I mean, okay, you can't eat it.
Speaker 1: Let's talk about the other thing.
Speaker 10: Is it true in danger?
Speaker 1: Is it true that the mayor of La truly defunded
Speaker 1: the fire department?
Speaker 10: Yes, seventeen point five million?
Speaker 1: But was it along with defunding a bunch of other
Speaker 1: stuff or what I don't I mean, was was there
Speaker 1: context given or was it just targeted on the fire department?
Speaker 9: Well, first of all, yes, there was a massive First
Speaker 9: of all, they are so in debt in California, they
Speaker 9: have to have cuts.
Speaker 1: And again that goes back I read where the reason
Speaker 1: they had to do it was for immigrants.
Speaker 9: And they did it for police, they did it for
Speaker 9: the fire department. And yes, they had to have a
Speaker 9: surplus of some sort of income to take care of
Speaker 9: not only the immigration issue, but also the homeless.
Speaker 1: Now here, that's right, homeless and immigration.
Speaker 6: Well, and and listen, the fire chief reached out I
Speaker 6: think it was two months ago and wrote her a
Speaker 6: letter or sent her an email saying, hey, this is
Speaker 6: not good at all.
Speaker 1: We need all this.
Speaker 6: There's we need more people, more equipment, more everything.
Speaker 10: Yeah, and they did hold on.
Speaker 1: You know.
Speaker 9: The other really bad part of this is that the
Speaker 9: head so again this goes from the head of departments
Speaker 9: and not necessarily of feet on the ground.
Speaker 10: Okay, so the head of they did.
Speaker 9: Have a surplus left over from twenty twenty two before
Speaker 9: they did the twenty twenty three to twenty twenty four budget,
Speaker 9: and the surplus they had of leftover equipment went to
Speaker 9: Ukraine and did not get reinforced back into the LA
Speaker 9: Fire Department.
Speaker 1: All right, So bottom line is we can differentiate the
Speaker 1: stupidity of Californian house run politically and the suffering of
Speaker 1: the victims.
Speaker 8: I think, But Tom don't. Then.
Speaker 1: By the way, please I want you to personally pick
Speaker 1: up the phone to Jane right now. Kelly, tell James
Speaker 1: I'm going to take him right after the break. Please
Speaker 1: call Kelly Hello, talk to James right now. I do
Speaker 1: not want him hanging up. I promise I will talk
Speaker 1: to him about this. Uh yeah, go ahead.
Speaker 7: Anytime something bad happens, we look for someone to blame.
Speaker 7: And in this case, your house is burned down, you're angry,
Speaker 7: you have to blame.
Speaker 8: That's normal.
Speaker 1: And I even saw stupid things like and I don't
Speaker 1: mean stupid, but they're blaming it on Arson. And one
Speaker 1: guy claims that video of immigrants starting it, you.
Speaker 6: Know, Oh no, no, Tom. One of the fires, they
Speaker 6: picked up a guy literally, the cops picked up and
Speaker 6: they booked him on Arson and a fire started right
Speaker 6: there at that area, no kidding, And.
Speaker 1: Like anyway, I'm surprised Trump hasn't been named as someone
Speaker 1: who dropped a match, But apparently that hasn't been thought
Speaker 1: of yet. Has he been near California. But we'll be uh,
Speaker 1: we'll be back, and we're going to do a lot
Speaker 1: of consumer stuff. But really I want you to express yourself.
Speaker 1: This is terrible devastation. And you know, by the way,
Speaker 1: just to let you know, if you look on a
Speaker 1: map of leanings politically, Colorado is way to the left
Speaker 1: of California, per capita, way to the left. It's just
Speaker 1: that California's so big they get all the attention. But
Speaker 1: Jared Poulis and his team that trust me, way way
Speaker 1: to the left. If that matters to you. We got
Speaker 1: more coming up. Three oh three seven, one, three eight,
Speaker 1: two five five go with a sure thing. Denver's best
Speaker 1: roofer Excel roofing dot com. You don't pay a cent
Speaker 1: until you're content. Time for an insurance check up free,
Speaker 1: no obligation. In comparison, call Compass Insurance paying too much
Speaker 1: your coverage at dozens of insurance companies find out now
Speaker 1: three oh three, seven to seven to one help. You'll
Speaker 1: think you're his only customer when you choose Frank durand
Speaker 1: the real estate Man dot com to list your home
Speaker 1: with Remax Alliance three all three nine two zero sixteen
Speaker 1: twenty two. Hi Tom Martinez, your troubleshooter three all three
Speaker 1: seven one three talk seven on three A two five.
Speaker 1: Getting plenty of texts My goodness. But and that's through
Speaker 1: both the Google Voice directly seven four seven nine nine
Speaker 1: nine fifty two eighty and the iHeart short code five
Speaker 1: seven seven three nine Tom, Let's see you. I thought
Speaker 1: Mark was covering up your demise and had me in
Speaker 1: his closet. James, what's going on? James?
Speaker 2: Good morning, sir man.
Speaker 1: What's happening?
Speaker 11: Well?
Speaker 5: I kind of feel guilty after I heard your introduction
Speaker 5: there at the beginning of your show regarding what's going
Speaker 5: on in California for the difficulties that I'm.
Speaker 1: Hey, but we all have problems. That doesn't make other
Speaker 1: problems less important. It's just you know, hey, everything has
Speaker 1: to be dealt with. What's going on?
Speaker 5: Man, Well this is a pretty simple deal. Okay. I
Speaker 5: bought some furniture at Living Spaces in Thornton and you
Speaker 5: know they're nationwide organization and company. But long story short,
Speaker 5: I bought some I bought three pieces of furniture, one
Speaker 5: of which, within a year of buying it, the motor
Speaker 5: on the it's a recliner, and basically it stopped working
Speaker 5: all of a sudden. I mean it just pushed the button.
Speaker 5: It doesn't work. So I went ahead and went through
Speaker 5: their process of how.
Speaker 2: Old is it?
Speaker 1: How old is its?
Speaker 5: Less than a year? Just less than a year old.
Speaker 5: So I was told that I would have to go
Speaker 5: to their third party, one acclaim service. So I go
Speaker 5: to them and put in all the information, take photos,
Speaker 5: do a video, and they declined it and said no
Speaker 5: because it's within a year. You got to go back
Speaker 5: to Living Spaces. So I go back to Living Spaces
Speaker 5: and basically they said, go ahead and fill out our
Speaker 5: information and we have a another party that deals with
Speaker 5: within a year warranty coverage.
Speaker 1: So hold on. So the first year is covered by
Speaker 1: Living Spaces, correct, and the second year I mean then
Speaker 1: thereafter it's the warranty people then. Yeah, and who's the manufacturer?
Speaker 1: Who's the manufacturer?
Speaker 5: A good question. I have no idea. Well, some of them,
Speaker 5: who did you call furniture is actually has what's that?
Speaker 1: Who did you call? I mean you called the manufacturer
Speaker 1: who told you.
Speaker 5: Have to Now Living Spaces covers their own products that
Speaker 5: they sell.
Speaker 1: But okay, I'm sorry, I thought you told me. You
Speaker 1: called Living Spaces and they said, or you called someone
Speaker 1: and they said, because it's the first year, Living Spaces
Speaker 1: has to take care of.
Speaker 8: It, it's a warranty company.
Speaker 2: Tom.
Speaker 1: Yeah, but that's what I'm asking. Who's the warranty company.
Speaker 5: It's I don't know, it's it's warranty something. It's a
Speaker 5: third party contract actors for Living Spaces, so they handle
Speaker 5: and Living Spaces. Basically you can buy into this five
Speaker 5: year warning.
Speaker 1: And okay, got it. Beyond the first normally, who manufactures
Speaker 1: the furniture?
Speaker 5: I don't know. Some of their furniture they sell is
Speaker 5: Living Spaces manufactured?
Speaker 1: And what exactly what exactly is going wrong?
Speaker 5: So here's the deal, pretty simple thing. So I paid
Speaker 5: for the extra warning.
Speaker 1: But what's going wrong.
Speaker 5: The motor's out, and what's going wrong is is that
Speaker 5: they now have honored the warning. And I originally paid
Speaker 5: for delivery on the furniture that I originally received, so
Speaker 5: they brought it in, set it up. Everything was fine,
Speaker 5: they did a great job.
Speaker 1: And did the motor just stop working?
Speaker 5: Yeah, it just totally like I really went down there
Speaker 5: one morning, I sat down, went to recline chair and nothing.
Speaker 1: So now what you got to defect? You're dealing with
Speaker 1: living spaces and because it's within the first year.
Speaker 5: So where do we stand, Well, here's where we stand.
Speaker 5: They have now they they've said, yep, we're going to
Speaker 5: cover it for you, and we're going to replace it
Speaker 5: because they decided, after all my photos and everything that
Speaker 5: instead of just replacing the motor, they're going to gohead
Speaker 5: and replace the old chair, which I'm happy with. Good,
Speaker 5: here's the thing they're going to actually and they've set
Speaker 5: up delivery date, yeah for next week. Great, I'm happy
Speaker 5: with that, but they don't take the old one. So
Speaker 5: the old one I have to dispose of and I'm
Speaker 5: told that they well, you can just set it out
Speaker 5: and pay and have it your curbside bulk service. Well,
Speaker 5: the city of Thornton charges you sixty five bucks.
Speaker 1: It won't last. Put it out there and say absolutely,
Speaker 1: do not touch this valuable furniture.
Speaker 2: Yeah, don't put free, put it for sale, sign on it.
Speaker 2: Then they'll steal it.
Speaker 5: I totally, I totally agree with you. But the reason
Speaker 5: why I had it delivered is this stuff heavy. I've
Speaker 5: got a bad shoulder.
Speaker 1: I get them. It's weird that they make you weird.
Speaker 1: They make you dispose of it. But that doesn't trouble me.
Speaker 2: Yeah, because you livery guys will take it and put
Speaker 2: in your garage or something, though, won't they No, they
Speaker 2: will watch it. No, they will.
Speaker 1: Well how much how much? Well, I don't know how
Speaker 1: much is I'll bet your people listening are willing to
Speaker 1: buy a motor and put it in it probably, I mean,
Speaker 1: how much was that you? How much was it?
Speaker 11: Man?
Speaker 1: How much was it?
Speaker 5: It's like four hundred and sixty bucks?
Speaker 1: Okay, four fifty? And how much is the motor delivery?
Speaker 12: Charcture?
Speaker 5: Oh, I don't know what the motor cost. I didn't
Speaker 5: I didn't look because I knew it was probably going
Speaker 5: to be under warning.
Speaker 1: I don't think the motor's out, by the way, that's
Speaker 1: my personal opinion. I think it's gonna it's going to
Speaker 1: be a wire in the switch or something. It's not
Speaker 1: going to be the motor. Yeah, motors don't go out
Speaker 1: that soon.
Speaker 5: You may be right, you may be right, but you know,
Speaker 5: in the big world of things, you know, it's.
Speaker 1: Why don't we put out the word what part of
Speaker 1: town are you in? Just put it on crapylist under
Speaker 1: free stuff. Man, I've done that all. Listen, you're gonna
Speaker 1: get You're going to get someone to take it. Tell them,
Speaker 1: Tell them from one handy. A free recliner needs a motor,
Speaker 1: brand new, brand spanking new.
Speaker 7: And like Kevin said, yeah, the the delivery guys will
Speaker 7: put it wherever you want.
Speaker 8: I guarantee it.
Speaker 5: Yeah, no, I agree, and and yeah I appreciate that.
Speaker 5: And you know, I just think it's a customer service issue.
Speaker 5: You know that.
Speaker 1: Of course it is, of course it is. I mean,
Speaker 1: but you know what, if they truly come through with
Speaker 1: a replacement, this is the last thing I'd bitch you about,
Speaker 1: because they could technically under warranty, have you charge for
Speaker 1: the replace for the Uh, the shipping. I mean really,
Speaker 1: I think most warranties would charge for shipping. Sometimes they
Speaker 1: charge for delivery. So I would say, look, it's all
Speaker 1: going to come out in the end. It's going to
Speaker 1: be no better or no worse than any other warranty.
Speaker 1: And it's a pain in the ass. I get it, man,
Speaker 1: I really do, and I'm not just I'm not just
Speaker 1: shining you on. I really do get it, and I
Speaker 1: really would feel the same. But I would also look
Speaker 1: for a solution rather than trying to get these You know,
Speaker 1: some people try to change the system and it's not
Speaker 1: gonna happen. So what you do is you go around it.
Speaker 1: Let's get somebody to get it. Let's just put it
Speaker 1: on Craigslist or something. Get rid of the damn thing.
Speaker 1: Or well.
Speaker 5: I even offered Tom, I actually offered. I said, look,
Speaker 5: I'll even arrange to put it in my pickup truck
Speaker 5: and I'll drive it back to the store and unload
Speaker 5: it there.
Speaker 11: Bro.
Speaker 1: If you're willing to do that, then take it to
Speaker 1: a dump. If you're willing to put that, tell me
Speaker 1: why you went to it.
Speaker 5: That's seventy five bucks out pocket.
Speaker 1: Is to bring it to a dump. At seventy five.
Speaker 13: Yeah.
Speaker 1: Yeah, well then if you offer free to someone, if
Speaker 1: you offer it free brand new needs a motor. They're
Speaker 1: sending me a new one on they're sending me a
Speaker 1: new chair. They won't take this one. I'm willing to
Speaker 1: deliver it. You're gonna get all kinds of people who
Speaker 1: want it, you really are.
Speaker 2: I bet if you offer delivery guys twenty bucks they'll
Speaker 2: take it.
Speaker 1: But but whatever, what I'm saying is he's willing to
Speaker 1: put it in his pickup truck, so he doesn't want
Speaker 1: to be inconvenience. I get it, he's inconvenience.
Speaker 10: Hey, Tom, take three, Let's take three?
Speaker 1: Okay, and uh, what am I going to hear from
Speaker 1: this lovely person? Okay, go ahead, Hey Tom, I'll pick
Speaker 1: up that chair for pretty.
Speaker 5: I'm pretty close to him. I can be there in
Speaker 5: about an hour.
Speaker 1: And are you handy? Can you put a motor in it?
Speaker 1: Of course I can you. John, I'll bet you it
Speaker 1: doesn't need a motor. I'll bet you're gonna find a short.
Speaker 5: That's what I'm thinking.
Speaker 1: Okay, So let's see James. H James. Uh, this is
Speaker 1: John and he says he's not far from you. And John,
Speaker 1: you're not an AX murderer, right x X okay, ex.
Speaker 14: So he's given that up, all right, he's a retired
Speaker 14: long for it James.
Speaker 1: He's given up AX murdering. So we can and oh,
Speaker 1: another thing, John, We've got to make sure yep, you're
Speaker 1: not a Trump supporter. A. I'm just kidding. I'm just
Speaker 1: I'm just kidding. I don't care what you are. So listen,
Speaker 1: let's make that connection off the R Kelly please, okay
Speaker 1: three oh three seven one three A two five five.
Speaker 1: And that's how it's done. Go with a sure thing
Speaker 1: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 1: a cent until you're content. Wait time for an insurance
Speaker 1: checkup free, no obligation. In comparison, call Compass Insurance paying
Speaker 1: too much your coverage at dozens of insurance companies find
Speaker 1: out now three oh three seven seven one help. You'll
Speaker 1: think you're his only customer when you choose Frank durand
Speaker 1: the real estate Man dot com to list your home
Speaker 1: with Remax Alliance three oh three nine two zero sixteen
Speaker 1: twenty two. Hi Tom Martine here three O three seven
Speaker 1: one three talks seven to one three eight two five five. Listen.
Speaker 1: Something I've learned by looking into this California thing and
Speaker 1: before when we had the fires here. A lot of
Speaker 1: people mistake what full replacement value is. They also, I think,
Speaker 1: mistake what's covered and what's not. I want to go
Speaker 1: over that with Brian Burns from Compass Insurance Group. We're
Speaker 1: going to get him on soon. I also want to
Speaker 1: talk about other things like is it cost prohibitive to
Speaker 1: do water suppression systems on your own property. I'd like
Speaker 1: to talk to mister green Jeans. He listens to my
Speaker 1: show every day. So Kelly make a list here if
Speaker 1: she can break away from the Mimosa. I want to
Speaker 1: get Brian Burns on. I also like to get mister
Speaker 1: green Jeans on. He went through a fire, lost his
Speaker 1: home and he has a lot of things to say about,
Speaker 1: you know, different things. So Brian burns him, and then
Speaker 1: I'd like to get call the waterman on.
Speaker 10: So we got Brian Paul, mister green Jeans.
Speaker 1: Thank you. Copy back to the Mimosa. Back to the Mimosa.
Speaker 10: It's ryful today.
Speaker 7: Brian was on yesterday, Tom he was fantastic. Yeah, he
Speaker 7: has so much good information.
Speaker 1: But I have some specific stuff here.
Speaker 8: He's a great source.
Speaker 1: Now, so let's talk about Mark. Basically, is there anything
Speaker 1: pending because I saw here some guy dropped off his
Speaker 1: vehicle at Kia a Rapo Kia. Yeah, I'm on top
Speaker 1: of that. I'm waiting for a callback from the service manager.
Speaker 1: So it wasn't going into fourth gear and bought it.
Speaker 1: By the way, what was his issue? He says, put
Speaker 1: tranny in. They put the tranny in. Now he has
Speaker 1: a problem with first gear after a new tranny.
Speaker 6: Yeah, So it turns out the first transmission they sold
Speaker 6: him was bad. But it looks like they're trying to
Speaker 6: still charge him for a PCM.
Speaker 1: Okay, is that part of the transmission? Mark? No, Kevin
Speaker 1: computer that operates it. So what happened was.
Speaker 6: They put in a bad transmission. It was doing basically
Speaker 6: the same thing, and they told them a PCM, saying
Speaker 6: it must be the PCM, and then that didn't fix it.
Speaker 6: Then they re you know, they warranted out that original transmission.
Speaker 1: I'm wondering, what did they really need, still saying it
Speaker 1: was after replacing the transmission again, then it.
Speaker 2: Worked, but they still want to pay for the TCM.
Speaker 2: They won't give him the PA is.
Speaker 1: That TCM transmission control module?
Speaker 2: Either way PCM or TCM.
Speaker 1: What would PCM be then power control? Okay, so these
Speaker 1: control modules to computer chips. Are you saying he may
Speaker 1: not have needed it correct because they put put in
Speaker 1: a bad training. So give him the money back and yeah,
Speaker 1: one way or the other. That's what they were phasological
Speaker 1: for me. Yeah, now, Kevin, I called you on vacation
Speaker 1: for my daughter. For my daughter, we want to we're
Speaker 1: going to have the car towed in and basically, you know,
Speaker 1: she has a new battery and her key fob stopped working.
Speaker 1: What's really odd is when we went to pick it up,
Speaker 1: the car wasn't starting well and intermittent, and they said
Speaker 1: when it was sitting out waiting for body repair because
Speaker 1: the parts, now, it was there two months, that's after
Speaker 1: I prepaid for parts. But what happened was that it
Speaker 1: was fixed, but then mice or something got to the wire,
Speaker 1: so they had to replace all that and they put
Speaker 1: new batteries in the keyfob. So I was surprised when
Speaker 1: the key fob stopped working. She has a new battery,
Speaker 1: she has new wiring, and now a new key fob,
Speaker 1: new batteries, so she went to Batteries Plus and they
Speaker 1: replaced him and it worked. They still didn't work, believe
Speaker 1: it or not. Now you said it could have been
Speaker 1: the main battery. It could have been a number of things,
Speaker 1: communication module, whatever. But I thought, you know, the chances
Speaker 1: of that probably, so I said, go back to batteries
Speaker 1: plus and she said, oh why, And I said, there's
Speaker 1: probably a chance.
Speaker 2: I don't know.
Speaker 1: The little pop puck batteries were there a long time.
Speaker 1: They replaced them again, and everything works and has been working.
Speaker 1: So what are the light what's the likelihood of those
Speaker 1: batteries sitting around losing.
Speaker 2: I've never had one that because we replaced them all
Speaker 2: the time on customers cars. I know, I've never had
Speaker 2: a bad one, So that one had to have been
Speaker 2: put in wrong.
Speaker 1: Maybe maybe it was upside down easy, maybe it was
Speaker 1: so then that worked and that now it's working. Cool.
Speaker 1: So what are the reasons key fobs would lose communication?
Speaker 1: What are the reasons? Bad battery number one, bad bed,
Speaker 1: bad battery in the fob number one, And then you
Speaker 1: do have battery number.
Speaker 2: Two, number two, and you also have a receiver module
Speaker 2: in the car.
Speaker 1: Does that have a battery or just off the twelve
Speaker 1: and that module can go bad. Sure for that module.
Speaker 2: Well you check, you know, with a scanner you can
Speaker 2: see signals coming in or not coming in, receiving from
Speaker 2: the Do you.
Speaker 1: Have all that crime?
Speaker 2: Oh yeah?
Speaker 1: Oh yeah, so people, it's really important. These little things.
Speaker 1: You don't even think about them until you need them.
Speaker 11: Ye.
Speaker 1: Now here's what bothers me. I had a Mercedes where
Speaker 1: I had the push button start. But if you pull
Speaker 1: the button out, there was an ignition hole there. Yep,
Speaker 1: there's no ignition hole in this Sunday.
Speaker 2: No, not at all.
Speaker 1: I mean, so you have if the fob doesn't communicate,
Speaker 1: you can't start the car.
Speaker 2: You're done.
Speaker 1: Well, you got a mechanical key can bow do you think?
Speaker 1: What is it? A cost saving measure on each unit?
Speaker 2: Yes?
Speaker 1: Mark, do your cars have this? What do you do?
Speaker 1: Do your cars have this? They don't have any key holes?
Speaker 2: Right? No?
Speaker 1: And then what happens with a Tesla? Well, a Tesla
Speaker 1: you don't really have a fob. You walk up to
Speaker 1: it and get in it. Yeah, it looks at your
Speaker 1: phone or your card the black card I have my
Speaker 1: son gave me right, Yeah, it's the bluetooth basically, and
Speaker 1: there's a valet card he gave to you. Oh so,
Speaker 1: so basically mark, when it goes to your phone, what
Speaker 1: does it do? It identifies you as an operator and
Speaker 1: automatically activates.
Speaker 6: Yeah, it knows it's me, and then basically sets the seat,
Speaker 6: sets the temperature, you know, does whatever I set it
Speaker 6: up to it.
Speaker 1: So if your phone is dead in your hours, if
Speaker 1: you're out and about and your phone dies, what happens
Speaker 1: if I'm out and about. Yeah, I've never thought about it.
Speaker 1: What happens? Well, that's never happened, So I don't know. Okay, okays,
Speaker 1: just scaring. Well, we have more coming right up. Three
Speaker 1: oh three seven to one, three eight, two five five.
Speaker 1: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 1: dot com.
Speaker 14: You don't pay a cent until you're content.
Speaker 1: Time for an insurance check up free, no obligation comparison
Speaker 1: call Compass Insurance paying too much your coverage at dozens
Speaker 1: of insurance companies find out now three oh three, seven
Speaker 1: to seven to one.
Speaker 2: Help.
Speaker 1: You'll think you're his only customer when you choose Frank
Speaker 1: Durand the real estate Man dot com to list your
Speaker 1: home with Remax Alliance three oh three nine two zero
Speaker 1: sixteen twenty two. Hi Tom Martine here, I'm going to
Speaker 1: talk to Paul Doubting and I want you to stay
Speaker 1: tuned for Brian Burns. We have some important stuff to
Speaker 1: talk about with insurance. Paul brother Paul is with waterpros
Speaker 1: dot Net, Paul the Waterman, I call him. He's got
Speaker 1: a new special this year. And you know, hey, listen,
Speaker 1: the old special was great, but Paul, let me get
Speaker 1: this straight. The smart computer water serious? I oh, yeah, right,
Speaker 1: I did. Did you get mukay? Did you get it?
Speaker 1: But it's not the first time in forty five years.
Speaker 1: It is soon Mark. When have I ever said a
Speaker 1: word by slipped a word ever that you you mean
Speaker 1: on the air? Yeah, oh of course, yeah, the first
Speaker 1: time ever on the air. First time. Now, don't make
Speaker 1: any Biden jokes or I swear I'll come out there.
Speaker 1: I'll just drive right out there right now, Okay. Twenty
Speaker 1: four ninety five, Paul, is that for the whole system
Speaker 1: lockstock En Barrel.
Speaker 12: It's a basic smart computer water softs twenty four to
Speaker 12: ninety five. And then what we also have, Tom, I
Speaker 12: just want to share with everybody. I'm doing a lot
Speaker 12: of research, so the p FOS contamination has been going
Speaker 12: on for over fifty years. And so it's it's in
Speaker 12: the it's in the soil that our farmers have it. Yeah,
Speaker 12: it's it's in the bio solids that comes from the
Speaker 12: waste treatment plant.
Speaker 15: So what we also did is we have a whole
Speaker 15: house we call it the.
Speaker 12: H the matrix or the you know, Econopromax that has
Speaker 12: KDF fifty five activated carbon in resin. So it's not
Speaker 12: only going to soften the water, is going to get
Speaker 12: rid of the forever chemicals, get rid of the total
Speaker 12: chlorine content. And that's only three thousand, six hundred and
Speaker 12: ninety five.
Speaker 1: Oh, you didn't tell me about that one. That's awesome.
Speaker 1: So you can get this this base model, which is
Speaker 1: not so base. It's a beautiful model for everything. But
Speaker 1: if you want to add the PIFA contamination protection, what
Speaker 1: is it called?
Speaker 12: So what it is is that we use KIS fifty.
Speaker 1: Five and activated carbon.
Speaker 12: It's two separate filtermdias.
Speaker 1: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 1: dot com.
Speaker 14: You don't pay a cent until you're content.
Speaker 1: Time for an insurance checkup, free, no obligation comparison call
Speaker 1: Compass Insurance paying too much your coverage at dozens of
Speaker 1: insurance companies. Find out now three O three seven to
Speaker 1: seven to one help. You'll think you're his only customer
Speaker 1: when you choose Frank durand the real estate man dot
Speaker 1: com to list your home with Remax Alliance three oh
Speaker 1: three nine two zero sixteen twenty.
Speaker 3: Two new need who you don't have?
Speaker 4: Running just as fast as we can. Shooter's gonna help
Speaker 4: coming man.
Speaker 1: This is the Troubleshooter Show. Now, Tom Martino, Hi, Tom
Speaker 1: Martino here, Welcome to the show. Three all three seven
Speaker 1: one three talk seven one three eight two five five.
Speaker 1: Reading through some of the text, somebody asked, Tom, if
Speaker 1: AI is great with a You know, I'm just basically
Speaker 1: quoting or generalizing. I'm not quoting directly. You know, can't
Speaker 1: you just ask it for a video and changing or
Speaker 1: oil or something like that. Why couldn't it produce a
Speaker 1: video and brakes and oil and replacing parts in the dishwasher?
Speaker 1: And I said, I agree. So I just asked my
Speaker 1: boyfriend who I've I used to have a female voice,
Speaker 1: used to call my girlfriend. Now for some reason, I
Speaker 1: can't get a female voice but my boyfriend now and
Speaker 1: it's on the chat and he says, I mean, I asked,
Speaker 1: can you show me a video how to change the
Speaker 1: oil in my twenty twenty Hyundai a Lantra and that's
Speaker 1: my daughter's car. So I just asked, and it says, uh,
Speaker 1: and I got several videos. I have several and now
Speaker 1: they didn't produce the video, I don't think, but no,
Speaker 1: I don't I know it did. It gave me links
Speaker 1: you click on and every one of them will show
Speaker 1: you exactly that the video provides up by sub blah
Speaker 1: blah blah before you begin and sure, blah blah. Then
Speaker 1: they give you a list of what to do before
Speaker 1: you begin, and then you click on the videos. So
Speaker 1: it really does you know? Here, here's what AI does.
Speaker 1: And I've said this before, AI does. I call it
Speaker 1: roar results organized and regurgitated roar. That's really what it is.
Speaker 2: It's search, yeah, because the information's there, it's just finding
Speaker 2: it for you.
Speaker 1: Yeah. And uh. Anyway, this hour brought to you by
Speaker 1: Franked around the real Estate man dot com, wonderful man
Speaker 1: and everything you need in his toolbox to get your
Speaker 1: home sold or to buy one. Three h three nine
Speaker 1: two zero sixteen twenty two free market valuations of your
Speaker 1: home for the asking, Now, do I have Brian burns On?
Speaker 1: Is he still there? Because I'm sorry I didn't go
Speaker 1: to him and I need to Is he still there?
Speaker 2: Yes?
Speaker 1: He is, so, Brian Man, I so appreciate you waiting.
Speaker 1: You there, Brian, No problem?
Speaker 11: How you doing?
Speaker 1: Tom good Man, Compass Insurance Group, the Insurance Help Center
Speaker 1: dot com or three three nine ninety six nine thousand
Speaker 1: free insurance checkups. I get good reports about that all
Speaker 1: the time. But I think something has to be said here.
Speaker 1: Some people have too much sympathy, some people have no sympathy.
Speaker 1: But everyone says, don't worry, they have replacement coverage. But
Speaker 1: here's something that people need to know. Even with replacement coverage,
Speaker 1: it doesn't cover the lot and the infrastructure, if I'm correct.
Speaker 1: Tell me what what does total replacement coverage mean? Because
Speaker 1: a lot of people who had total replacement coverage, and
Speaker 1: even a pretty good amount of it, you base, they
Speaker 1: don't ensure your equity. You lost it.
Speaker 16: Yeah, and replacement cost is a tricky phrase, uh, because
Speaker 16: it could mean different things. Replacement cost could mean that, hey,
Speaker 16: if something is damaged in my house, let's say or
Speaker 16: something on my house, they're going to replace it with
Speaker 16: something new. That's that's the normal term for replacement cost.
Speaker 16: What I think you're getting at is extended replacement.
Speaker 1: What I'm talking about is total loss coverage. Total.
Speaker 16: Well, yeah, and that's hard to find. There's not many
Speaker 16: carriers that would offer the way I would rephrase that
Speaker 16: would be uncapped replacement costs. So that would mean no
Speaker 16: matter what it would cost to rebuild your house, the
Speaker 16: insurance company is going to pay. That is very, very
Speaker 16: difficult to find. We do have a couple of companies
Speaker 16: that offer it, but it's a shrinking. We used to
Speaker 16: have a handful that offered it. Now we have a
Speaker 16: couple left.
Speaker 1: So what do you mean it's hard to find? I
Speaker 1: mean if I totally lose my house, that's total replacement, right.
Speaker 16: No, Because well it's it's up to the dwelling limit
Speaker 16: or whatever extended amount you have on your policy. So
Speaker 16: let's say you have a safe farm policy and all
Speaker 16: they offer is twenty percent extended replacement costs. So if
Speaker 16: your dwelling amount is set at forty four hundred thousand dollars,
Speaker 16: the most are going to pay. If you have twenty percent.
Speaker 16: Extended replacement cost is twenty percent over that, So four
Speaker 16: hundred and eighty thousand in that case.
Speaker 1: So let's say say this total loss.
Speaker 16: If it costs seven hundred thousand to rebuild your house,
Speaker 16: because you know what's going to happen in California is
Speaker 16: is even way work.
Speaker 1: Can't you get inflation coverage or can't you get price
Speaker 1: you know, cost of living or anything like that.
Speaker 16: We cost of Yeah, all you all you're getting is
Speaker 16: on your policy. You have a dwelling limit, whatever that
Speaker 16: dwelling limit is, and then you have to see what
Speaker 16: extended replacement costs. That's the amount that the insurance company
Speaker 16: will go over and beyond your dwelling limit in the
Speaker 16: case of a total loss. But my point is most
Speaker 16: of the time that's not near enough.
Speaker 1: Okay, now here's the thing. If you if I had
Speaker 1: a home that I could clearly sell for a million dollars,
Speaker 1: I could sell it. Then it burns to the ground.
Speaker 2: I have nothing.
Speaker 1: Now I have my dwelling coverage. Turns out to be
Speaker 1: top a dollar six hundred thous come, So I rebuild
Speaker 1: it with six hundred if I can, Maybe I can
Speaker 1: whatever if I eat into that to try to build it.
Speaker 1: I mean, I just have to go into debt, but
Speaker 1: it's very possible. And in most of the time, your
Speaker 1: equity's gone, isn't that true?
Speaker 16: Yeah, So you're saying, whatever value you had in there.
Speaker 1: It's always above it's your your your value always exceeds
Speaker 1: your actual dwelling cost always.
Speaker 16: Yeah, because all your if you think about, especially when
Speaker 16: you're in an area where there is a you know,
Speaker 16: a wildfire risk, most of the time it's you know
Speaker 16: you're there because of the the the you know, trees
Speaker 16: and the.
Speaker 1: Even regardless of that, even without the trees and all that,
Speaker 1: the act. What I'm saying is is people are not
Speaker 1: going to pay you the same. You're going to lose
Speaker 1: money because the value that that you had prior to
Speaker 1: the fire is going to be eaten up in extra cost.
Speaker 1: You're never going to build ever that house for your
Speaker 1: replacement cost.
Speaker 16: Well, and that's why I'm telling you that what we
Speaker 16: try to do, I try to always get extended replacement costs,
Speaker 16: because you're right, the cost of rebuilding that house is
Speaker 16: owing to more than what your dwelling limit is, especially
Speaker 16: in the case where there's so many homes lost over Now.
Speaker 1: If one is if one is lost in my if
Speaker 1: I'm the one in the neighborhood, that's totally different than
Speaker 1: in the neighborhood. Why that's right.
Speaker 16: Why Well, because as we saw in Boulder, the cost
Speaker 16: of construction skyrocketed. It was no longer this one off home.
Speaker 16: It was a shortage of supplies. It was contractors, you know,
Speaker 16: taking advantage in my opinion at times.
Speaker 1: Uh.
Speaker 16: And so you had this influx of need and so
Speaker 16: that demand is so great that then the cost for
Speaker 16: everybody go way up. And so that's that's what was
Speaker 16: happening here and it's gonna be that on steroids in
Speaker 16: Los Angeles.
Speaker 1: Okay, Now here's the thing, the the the the equity
Speaker 1: on top of the building costs and all that is devastating,
Speaker 1: not to get back. But what about like like like Maui. Okay,
Speaker 1: now in Maui, that whole village was gone and basically
Speaker 1: people are under each Now for example, there were people
Speaker 1: that covered had coverage and not just now, but anywhere.
Speaker 1: Let's just say this, Let's say their dwelling costs and
Speaker 1: all that maybe should have been higher if they were underinsured.
Speaker 1: Can they be popped with total loss with a co
Speaker 1: insurance penalty. And for those listening, all that means is this,
Speaker 1: if you were under insured, let's just say bye. People
Speaker 1: think they're beating the system. Let me explain this. Let's
Speaker 1: say your house is six hundred thousand and you say
Speaker 1: to yourself, well, when am I going to have a
Speaker 1: six hundred thousand dollars claim. Never, I'm only going to
Speaker 1: have a roof claim that's maybe seventy thousand. I might
Speaker 1: have this claim or that claim. I'm never going to
Speaker 1: have a six hundred thousand dollars claim, and so they
Speaker 1: ensure for four hundred thousand, and insurance companies can come
Speaker 1: and to make numbers easier. Let's say it six hundred
Speaker 1: should be and you have three hundred and coverage. Let's
Speaker 1: just say that you get away with it, or you
Speaker 1: have an old policy, and that's fifty percent of what
Speaker 1: it should be covered for, So you're paying less premium
Speaker 1: than you should be paying. So if you had a
Speaker 1: total loss, couldn't they theoretically say that you're only getting
Speaker 1: fifty percent of the coverage.
Speaker 16: Yeah, that's theoretically, but that's really not an issue for
Speaker 16: personal lines insurance for residential because insurance companies at least
Speaker 16: all the you know, the majority of ones out there,
Speaker 16: all your admitted carriers have what's called a replacement cost
Speaker 16: estimate that is run by the agent for that insurance company,
Speaker 16: and you cannot write the insurance. You can't put a
Speaker 16: dwelling limit less than what they come up with as
Speaker 16: the appropriate replacement cost. You can, so you can't. Insurance
Speaker 16: companies want what about?
Speaker 1: What about if that replacement cost creeps up? When do
Speaker 1: they come back and say you need more coverage?
Speaker 16: So the way that they'll get you there is there
Speaker 16: is an inflationary amount every year that most insurance companies
Speaker 16: will raise your dwelling limit just to try to keep
Speaker 16: up with inflation. But where they get you where this
Speaker 16: could come into play is if you have a dwelling limit.
Speaker 16: Let's go back to your example of six hundred thousand,
Speaker 16: and you really truly have it at six hundred thousand,
Speaker 16: and the next year you finish your whole basement which
Speaker 16: wasn't finished before, and you don't inform the insurance company.
Speaker 16: Well when they go out there and they're like, hold on,
Speaker 16: the whole basement was finished. We didn't have this on record.
Speaker 16: The replacement costs would have been much higher. At that point,
Speaker 16: they can they can penalize you if you're not reporting
Speaker 16: to the insurance company the appropriate amount of work that
Speaker 16: you're doing throughout the prop of the year or you know,
Speaker 16: through the years.
Speaker 1: Okay, Brian, that short.
Speaker 16: Rate penalty Tom, Sorry, just one last thing. The reason
Speaker 16: I said not really applicable for residential It is absolutely
Speaker 16: applicable for commercial insurance. So if you have because they
Speaker 16: don't have replacement costs ASTI there. So if you choose
Speaker 16: to ensure your building, your commercial building, for less than
Speaker 16: whatever that co insurance clause is, then you will get short.
Speaker 16: You will get shorted on your on your payout.
Speaker 1: Thank you Brian for everything. Appreciate it. Uh that's three
Speaker 1: oh three nine ninety six nine thousand. Get your insurance
Speaker 1: check up. I'm gonna go back to the phones in
Speaker 1: a minute. Here I want to tell you eight eight
Speaker 1: eight heating dot com has extreme clean forty five bucks,
Speaker 1: honest people for replacements and the best prices for high
Speaker 1: efficiency units and they're willing to show you. Okay, three
Speaker 1: oh three seven seven zero two seven seven six go
Speaker 1: with a sure thing Denver's best roofer Excel Roofing dot Com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 1: Insurance paying too much your coverage at dozens of insurance
Speaker 1: companies find out now three oh three seven seven to
Speaker 1: one help. You'll think you're his only customer when you
Speaker 1: choose Frank durand the real estate Man dot com to
Speaker 1: list your home with Remax Alliance three oh three nine
Speaker 1: two zero sixteen twenty two. Hey, I'm Tom Martine. You
Speaker 1: are troubleshooter three all three seven one three talk seven
Speaker 1: on three two five five Genesis tootalexteriors dot com. Someone
Speaker 1: asked me to please give out that number again. I'm
Speaker 1: sorry I don't give it out enough, but I thought
Speaker 1: I did. They're just great people, and I bragged on
Speaker 1: them on everything they do around the house. Three all
Speaker 1: three six seven nine eight five zero nine. So I
Speaker 1: want to continue here on the phones. I got my
Speaker 1: deputies with me today, got uh uh we got shared
Speaker 1: and Ultotech Kevin Caulkin, Uncle Kevin, so Jesse, what's going
Speaker 1: on with this uh propane company? I'm sorry for your
Speaker 1: weight there wait wait wait, you called back, but I
Speaker 1: knew you were holding earlier. What's going on, Jesse?
Speaker 11: Uh?
Speaker 13: Well, uh, they're trying to get five thousand plus dollars
Speaker 13: out of me.
Speaker 1: Well why, I don't know.
Speaker 13: I don't know why.
Speaker 1: Let's talk about this. When did you start propane service
Speaker 1: with R.
Speaker 13: Okay? I live in Puble West and I have pro pain, okay.
Speaker 13: And I had this company called uh it's a local company.
Speaker 14: Anyway, okay, and and got service from everything.
Speaker 13: Everything was going fine. And then this company called America
Speaker 13: Gas bought it, and everything was going fine. And then
Speaker 13: all of a sudden, I owed five thousand and one
Speaker 13: and ninety two dollars and thirty eight cents. And then
Speaker 13: I guess, okay.
Speaker 1: Now okay, Jesse, Jesse, Jesse. I don't want this to
Speaker 1: be too much. I want to do one thing at
Speaker 1: a time. Though, So when you said all of a sudden,
Speaker 1: so with the old company, let's call it the local
Speaker 1: gas company, you're paying monthly, yes, and you never had
Speaker 1: a balance build up you you used to pay everything due, yes, okay.
Speaker 1: And then when America when did Ameergas take over? Do
Speaker 1: you know?
Speaker 13: Probably no, not exactly, but it was in twenty I
Speaker 13: don't know if it's in twenty.
Speaker 1: Three, okay, whatever, it just recently. So here's now, here's
Speaker 1: what I need to know. Here's what I need to know.
Speaker 1: So Ameergas took over? And then did they continue sending
Speaker 1: you monthly bills?
Speaker 11: Yes?
Speaker 1: And you continue to pay them and I can yes.
Speaker 1: Then my obvious question is this what is that balance from?
Speaker 15: I don't know.
Speaker 17: That's why.
Speaker 13: That's why I said I don't. Oh what, butcause what.
Speaker 1: Are your normal monthly bills?
Speaker 13: I don't I don't even know what it was for?
Speaker 1: No, I get it. What are your hold on? What
Speaker 1: are your normal monthly bills?
Speaker 13: Right now? I'll have to get my other I changed companies.
Speaker 1: Wait a minute, I changed this America Gas. When did
Speaker 1: you go away from America Gas?
Speaker 11: Uh?
Speaker 13: February the seventh and twenty four?
Speaker 1: Yeah, okay, you didn't like him anymore?
Speaker 13: No, because they were charging me five thousand dollars for something?
Speaker 1: Okay, Ali Jesse? When you when listen when you changed?
Speaker 1: What did you change to? In February?
Speaker 13: I changed to what's called blue Flame?
Speaker 1: Okay? And are they a local company?
Speaker 13: Company?
Speaker 5: Local?
Speaker 1: Okay?
Speaker 13: The America Gas was no longer op local?
Speaker 1: Yeah, I understand. So you changed a blue Flame in
Speaker 1: February twenty twenty four. But now they're pursuing you. The
Speaker 1: old company is pursuing you for five grands.
Speaker 13: Oh they've been for They've been pursuing me ever since,
Speaker 13: even when I with swiped them right before.
Speaker 1: But they never told you they this is odd. They
Speaker 1: never told you what it was for.
Speaker 13: Well, I've got I've got two final bills here when
Speaker 13: I switched.
Speaker 1: And what's your final bill? What's your final bill?
Speaker 13: Seven thousand, two hundred and fifty eight dollars and seventy.
Speaker 1: Two cents, seven thousand plus, And they they don't give
Speaker 1: an explanation. Was part of it for a tank that
Speaker 1: you had to buy? Well?
Speaker 13: See, this is the strange part. This is I have
Speaker 13: two sheets here that says final bills, and one says
Speaker 13: it's five thousand, fifty six dollars and seventeen cents and
Speaker 13: the other one says seven thousand to it?
Speaker 1: And can you can you send those bills to us?
Speaker 13: Sure, I'll have to make copies.
Speaker 1: Well, let me ask you this. Do you have a
Speaker 1: phone that you could take a picture of it?
Speaker 13: I have a phone and I have a picture, But
Speaker 13: I will tell you that I'm not very good at
Speaker 13: this stuff. I'm pretty old.
Speaker 1: How old are you?
Speaker 13: Eighty nine?
Speaker 1: You should be off the phone and in bed in
Speaker 1: a bedpan. Get the hell off the phone, Jesse.
Speaker 13: You to do that, but I can't because I got
Speaker 13: the stump.
Speaker 1: But Jesse, let's take care of this shirl. I'll this
Speaker 1: deputy doc. He wants to work with it. Hey, listen,
Speaker 1: it's pretty simple. He wants he wants to pars through
Speaker 1: what the hell this is all about for you. So
Speaker 1: you're gonna.
Speaker 13: Don't have what's that here? To find out why I
Speaker 13: was charged so much.
Speaker 1: We're gonna we're gonna find all that out for you.
Speaker 1: Don't let it worry. Okay, we'll take care of it.
Speaker 8: Jesse.
Speaker 1: When's your net on your next birthday?
Speaker 13: I'll go to look twentieth this year.
Speaker 1: Okay, so you're gonna be ninety ninety. Wow, Well, God
Speaker 1: love you as my mom was. Yeah, So listen.
Speaker 13: Jesse, this is something I just don't want to deal with.
Speaker 13: But it doesn't matter how old you are when somebody
Speaker 13: wants to get money from.
Speaker 1: You, it doesn't matter at all. The only reason I asked,
Speaker 1: I just asked out of curiosity when you said you're
Speaker 1: not very good at this stuff. So you sound like
Speaker 1: you're on top of it. Actually, you sound like you're
Speaker 1: on top of it. So hey, listen, Jesse. In the
Speaker 1: event we need to talk to you again, just or
Speaker 1: what she's gonna watch mc kelly, Kelly, Katira, Katina Calori.
Speaker 1: She's gonna get some information from you for DOC, and
Speaker 1: Doc will be in touch with you.
Speaker 13: Okay, okay, So I need to take pictures of the
Speaker 13: No right now, don't right now, don't do anything to
Speaker 13: do right now.
Speaker 1: You don't have to do it anything. Just wait for
Speaker 1: Doc to call you.
Speaker 13: Her name is Doc.
Speaker 1: His name is Doc. It's Doc DC. He's a retired doctor.
Speaker 1: Oh Doc, he's a retired doctor. He's in his late seventies.
Speaker 1: And do not go out on a date with him
Speaker 1: at all. Don't ever, don't ever do that, no matter
Speaker 1: how hard he please. All right, Jesse, Hang on a right,
Speaker 1: hang on deer three all three seven one three talks
Speaker 1: seven one three eight two five five. Go with a
Speaker 1: sure thing Denver's best roofer Excel roofing dot com. You
Speaker 1: don't pay a cent until you're content. Wait time for
Speaker 1: an insurance check up free, no obligation. In comparison, call
Speaker 1: Compass insurance paying too much your coverage at dozens of
Speaker 1: insurance companies. Find out now three all three, seven to
Speaker 1: seven to one help. You'll think you're his only customer
Speaker 1: when you choose Frank durand the real estate man dot
Speaker 1: com to list your home with Remax Alliance. Three oh
Speaker 1: three nine two zero sixteen twenty two. Hey, I'm Tom Martine.
Speaker 1: You are troubleshooter three oh three seven one three talks
Speaker 1: seven one three eight two five five. So listen. Uh,
Speaker 1: let's let's go to the phones here. We don't have
Speaker 1: anybody for the first time today. Three oh three seven
Speaker 1: one three talks seven one three eight two five five.
Speaker 1: So Mark's got to leave a little early, so I'm
Speaker 1: going to interview him Mark. Bottom line, Yes, but do
Speaker 1: you ever worry about this out and you're out in
Speaker 1: the woods about favellium? Man? Of course, what do you
Speaker 1: do to mitigate?
Speaker 6: Well, everything I think's like fifteen or twenty feet away
Speaker 6: from the house.
Speaker 1: We deal with the pine needles every year. Uh they're
Speaker 1: the biggest thing to me.
Speaker 6: But I mean we've we we live in what seventy
Speaker 6: five to one hundred foot trees all around the house.
Speaker 6: I mean you've been out here, and we're in the
Speaker 6: black forest. We're just kind of at the very end
Speaker 6: of it. So you always worry about it.
Speaker 1: You know, seventy five, you've got.
Speaker 6: Great, We've got two fire house is I mean right
Speaker 6: near us, like literally right near us. Did you see
Speaker 6: that house in your old neighborhood in frank Town burn
Speaker 6: today or yesterday?
Speaker 1: In my subdivision that I developed, Yeah, I know, right
Speaker 1: down the road from where you live. One of the
Speaker 1: lots I sold to those people. I think I know
Speaker 1: who they are. I listen. I wouldn't want any one
Speaker 1: of them to suffer. This is terrible. I don't know
Speaker 1: what happened there. It was for sale those I think
Speaker 1: it was fair.
Speaker 6: I think it was just contained to that only. I
Speaker 6: think it started in the house, So I don't know
Speaker 6: if it was vacant or not, or how that works.
Speaker 6: They did they in California, They really did arrest some
Speaker 6: guy with a blowtorch. Man like five neighbors saw this
Speaker 6: cat walking around with a blow torch trying to light
Speaker 6: shrubs and stuff up, and they kind of called the
Speaker 6: cops and they kept him there and he got arrested
Speaker 6: for arson.
Speaker 1: Man. But if that was where it started and then
Speaker 1: the window. This happened like yesterday in an area that
Speaker 1: I know. It was near a trailhead or a park
Speaker 1: or something, but it wasn't around all the fires kind
Speaker 1: of in that area. Oh so he wanted to just
Speaker 1: add to the calamity.
Speaker 6: That's right, that's right. But how do we know he
Speaker 6: didn't start it? I mean, it's really crazy to think.
Speaker 6: You know, you think of a terrorist attack, you think
Speaker 6: of nine to eleven. No one ever thought of that.
Speaker 6: Imagine if these these monsters came over here and that's
Speaker 6: their new way of doing business. Man, that's scary as hell.
Speaker 1: It sure as hell is, sure as hell is.
Speaker 6: So here's the other thing you missed while you were gone. Uh,
Speaker 6: one of our good one of the good people we
Speaker 6: both know, ended up flying out to UCLA Reagan Hospital
Speaker 6: out there, and it was so overpacked.
Speaker 2: Man.
Speaker 6: They had an appointment with the doctors and everything. They
Speaker 6: love the doctors. So I want to get that out
Speaker 6: there right now. They flew out to see a specialtist
Speaker 6: and specialist for a.
Speaker 1: Mark I believe.
Speaker 6: Well, I don't want to get into that because some
Speaker 6: people know who I'm talking about.
Speaker 1: It's not fair.
Speaker 6: So they flew out to see a special tiss for
Speaker 6: a pretty serious thing. And it's the number five hospital
Speaker 6: in the country. Think about that, number five in the country.
Speaker 6: And this is before the fire's tom one hundred and
Speaker 6: thirty percent capacity. They ended up four days sleeping in
Speaker 6: the hallway. The husband ended up getting up.
Speaker 1: One night to use the bathroom. Walks into the bathroom
Speaker 1: in the middle of the night. No private bathroom, it's
Speaker 1: just in the hallway. There's a homeless.
Speaker 6: Guy buck naked in the middle of the bathroom doing
Speaker 6: his business right there. I mean, that's the kindest way
Speaker 6: to say it. On in this floor, right there on
Speaker 6: the floor. Now, it was absolutely crazy.
Speaker 11: There was no.
Speaker 6: Shower mark what you can say defecating. Yeah, that's what
Speaker 6: I said last time. But here's the deal man. It
Speaker 6: was so crazy. Now, people go, why didn't they go
Speaker 6: to a hotel or something? Because they got out there,
Speaker 6: they did a procedure. During the procedure, she ended up
Speaker 6: getting what do you call I forget what the bug
Speaker 6: is called, but basically they wouldn't let her leave the hospital.
Speaker 1: Well there's staff infection, usually from a hospital. But yeah,
Speaker 1: so she.
Speaker 6: Got an infection of some sort I forget which one.
Speaker 6: So that's why they couldn't go back to the hotel.
Speaker 6: They were stuck in the hospital, stuck in a hallway
Speaker 6: in the fifth best hospital. But that's California for you,
Speaker 6: and that's free fires man.
Speaker 1: Wow, Okay, listen, what what about him is? He is?
Speaker 1: Never mind? I want you to text me please, because
Speaker 1: now you have me curious. Okay, so text me on that. Yeah. Thanks.
Speaker 1: So so basically hospitals are overwhelmed. Do you do you
Speaker 1: realize how crowded it is? I don't know why. I mean,
Speaker 1: is it that people are living longer there?
Speaker 6: Oh my god, No, what it's not. It's because the
Speaker 6: immigration and homelessness. That's where they go.
Speaker 7: I guess, I guess, And they can't be turned away. Tom,
Speaker 7: that's the that's the problem.
Speaker 1: That's literally what it's from.
Speaker 17: There.
Speaker 1: There's no I guess that is literally where it's from. Yeah,
Speaker 1: they have I know that. I've recently heard somebody had
Speaker 1: to wait for a private room. They they couldn't even
Speaker 1: get And I say wait for private people say why
Speaker 1: a private room? I mean most people have private rooms.
Speaker 1: Even the semi private rooms were all filled and.
Speaker 6: They couldn't They didn't take a shower for four days
Speaker 6: because there was no place available. On the fourth night
Speaker 6: they were able to take a shower. And what happened
Speaker 6: on the fourth night is even crazier. They took one
Speaker 6: of the ers and they partitioned it off with shower
Speaker 6: curtains basically and made it into a room for whatever
Speaker 6: eight people. And then that was the last thing they had,
Speaker 6: so they moved them from the hallway into there.
Speaker 1: That's pretty sad, I mean it really he is. But
Speaker 1: I mean, what do we do with immigrants that want
Speaker 1: to come to the country. What do we do? I mean, people,
Speaker 1: it's amazing how you know, how the mayor of Denver says,
Speaker 1: you know, he's gonna be on the outskirts of Denver
Speaker 1: to ward them off, and how the governor of California
Speaker 1: will defy them, and police is going to defy them.
Speaker 1: And so what are they basically saying. And I really
Speaker 1: mean this, I don't want to just sluff them off
Speaker 1: of some nut. But are they saying, come one, come all?
Speaker 1: I mean, because it's not it's not gonna do them
Speaker 1: any good.
Speaker 6: I mean, they thought they'd get the votes, but I mean,
Speaker 6: it's pretty obvious that if we don't have the facilities
Speaker 6: to help.
Speaker 1: It's not gonna help people by doing it. It's just
Speaker 1: not gonna help.
Speaker 7: They're just moving the moving cash around from one account
Speaker 7: to another so they can pay for the for the
Speaker 7: care and feeding of the illegal immigrants and the homeless.
Speaker 6: I think California actually gave the illegals some form a
Speaker 6: healthcare you know what Denver might have as well.
Speaker 1: I think they did well. It's it's it's amazing to
Speaker 1: me that common sense can prevail.
Speaker 6: And did you see that our Medicare budget in Colorado
Speaker 6: is like thirty or forty percent of the entire budget,
Speaker 6: and they've got to get rid of a billion dollars
Speaker 6: coming up like right now, I think within the next
Speaker 6: month or so. They got to cut a billion and
Speaker 6: they're trying to figure out where to cut it. So
Speaker 6: you have schools after you go schools K through twelve.
Speaker 1: Yeah, Mike, nine year ago with us right now, Mike, okay,
Speaker 1: go ahead, Mark, there's nothing left. Go ahead, Mike.
Speaker 11: Yeah.
Speaker 2: Tom, This is nothing new.
Speaker 15: This has been going on in LA for quite a while.
Speaker 15: In south central LA they closed eight hospitals for underperformance,
Speaker 15: and so now you have La City and La County
Speaker 15: part apartment paramedics standing in the hallways for eight to
Speaker 15: twelve hours because there are no beds in the er
Speaker 15: because of the volume, and they can't get their PRAM back,
Speaker 15: so they're out of service for that time period. It's
Speaker 15: triage great, exactly, it's a matter of sorting and if
Speaker 15: you're more serious than the next guy, you get seen first.
Speaker 7: Well, that makes sense. It's always been a medical priority.
Speaker 1: Now that has nothing to do do you go ahead.
Speaker 7: Has nothing to do with who comes in. It's just
Speaker 7: the amount of people that are coming in. But of
Speaker 7: course you always take the sad house come in. Yeah,
Speaker 7: but it's always you take the serious cases first, right.
Speaker 15: But people have the misconception that if they call it
Speaker 15: an ambulance, they're going to get priority, and that is
Speaker 15: not the case.
Speaker 7: Right because it's it's it's what they're suffering from when
Speaker 7: they get to the exactly.
Speaker 15: But the point is in the calling an ambulance a
Speaker 15: bus because they are merely there for the transportation.
Speaker 8: To the hospital.
Speaker 11: Now ye drive themselves.
Speaker 1: I'm getting some texts here that are quite angry. Well,
Speaker 1: you keep saying immigrants, please say illegal immigrants. I'm an immigrant.
Speaker 1: I funded my own way. My family said illegal immigrants.
Speaker 8: Always we always talk about now.
Speaker 1: Now, by the way, absolutely, now, what about the word illegal?
Speaker 1: People not understand. They like to say undocumented. My heart
Speaker 1: goes out saying unhoused. My No, what I mean is
Speaker 1: my heart goes out to people who are looking for unless.
Speaker 1: But a lot of people say it's just a sham.
Speaker 1: They're looking for a political asylum. But you know, if
Speaker 1: you are in a country where where it's you have
Speaker 1: an oppressive government and you're truly looking for safety for
Speaker 1: you and your family, there's a process, and there's temporary asylum.
Speaker 1: And I help some immigrants get legal asylum legal I did.
Speaker 1: I took them to court. I actually helped them get
Speaker 1: legal Assiglum. I'm not bragging it, but I'm just saying
Speaker 1: they're here legally, they have papers, it's asylum. They had
Speaker 1: to prove their case. But I don't know if it
Speaker 1: can be used as just an excuse. I don't know.
Speaker 7: But Tom, there's the first Safe Harbor law, which says
Speaker 7: that when you seek political asylum, the first country you
Speaker 7: go to that is safe and provides you asylum is
Speaker 7: where you're supposed to stay.
Speaker 1: And Mexico or Canada and the.
Speaker 7: Mexican government has not been enforcing that because according to
Speaker 7: international law they should. They should remain in Mexico.
Speaker 6: It's not gonna matter shortly, because that's going to be
Speaker 6: our fifty second state after Canada.
Speaker 8: No Greenland is going to be on that fifty second state.
Speaker 6: You're right, Mexico will be the fifty third. And by
Speaker 6: the way, it's gone off of America now right.
Speaker 1: Anyway, somebody talked about I don't know, I wasn't in
Speaker 1: on this call, although this text just came in. Were
Speaker 1: you talking about motor oil? And somebody said fifty to
Speaker 1: ninety for oh you get a rape bro okay on Amazon? Anyway, Yeah,
Speaker 1: we do have to take a break. I don't even
Speaker 1: recall talking about oil. But we'll come right back. Go
Speaker 1: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 1: You don't pay a.
Speaker 14: Cent until you're contenth.
Speaker 1: Time for an insurance checkup free, no obligation. In comparison,
Speaker 1: call Compass insurance paying too much your coverage at dozens
Speaker 1: of insurance companies. Find out now three O three, seven
Speaker 1: to seven to one help. You'll think you're his only
Speaker 1: customer when you choose Frank durand the real estate man
Speaker 1: dot Com to list your home with Remax Alliance three
Speaker 1: oh three nine two zero sixteen twenty.
Speaker 3: Two ripped up.
Speaker 4: News needs who you don't have, come running just as
Speaker 4: nast as we can. Shooter's gonna help coming.
Speaker 1: Man Dix is the Troubleshooter Show. No Tom Martino, Hi,
Speaker 1: Tom Martino here, Welcome to the show. Three oh three
Speaker 1: seven one three talks seven one three eight two five
Speaker 1: out of the regular calling number for the studio and
Speaker 1: three oh three Martino three oh three six two seven
Speaker 1: eight four sixty six. You can call twenty four to
Speaker 1: seven and when you leave a message, we will get
Speaker 1: back to you. By the way, this hour brought to
Speaker 1: you by one Clear Choice Garage Doors. These guys are
Speaker 1: just wonderful. You need a quick call for a quick item,
Speaker 1: you call them. The prices are fully disclosed, everything up front,
Speaker 1: everything on the website. If you need a general overall
Speaker 1: inspection you're moving into a home, they do those. If
Speaker 1: you need a quick an emergency service, twenty four to
Speaker 1: seven available and they're honest, good people that tell you
Speaker 1: everything up front, including pricing. You know seven two zero
Speaker 1: three seven zero thirty nine eighty seven. One clear choice
Speaker 1: Doors dot Com. I've never been associated for longer with
Speaker 1: a better company ever, and that's one clear choice Doores
Speaker 1: dot Com. Now let's continue the festivities, So give us
Speaker 1: some calls. We've had some pretty good calls today, but
Speaker 1: We're gonna move on to some text because I've been
Speaker 1: overwhelmed with texts. But I'm gonna try to get to
Speaker 1: them now that we have some time. Kevin first and foremost,
Speaker 1: somebody wants to know what they should do.
Speaker 2: Now.
Speaker 1: Mark had to leave right all right, good, I got it. No,
Speaker 1: I got about ten minutes. Okay, because I know you
Speaker 1: used to do tires, Mark, people want to know what
Speaker 1: they should they do. They don't know if and when
Speaker 1: to put snow tires on. So here are a lot
Speaker 1: of the general I'm gonna sum up these three or
Speaker 1: four I got, and some of them were while I
Speaker 1: was on vacation. Should you do it at the side
Speaker 1: of snow and then take them off really when it
Speaker 1: doesn't snow, or should you just get all weathers or
Speaker 1: should you just put the snows on and know that
Speaker 1: you're going to not use them most of the time
Speaker 1: and they're gonna wear quicker, Or what should you do.
Speaker 2: Hey, depends on tarling how you drive. Do you go
Speaker 2: up to the mountains every weekend? I mean, then you
Speaker 2: want something? I mean what?
Speaker 1: Just okay, okay, yeah, obviously if you're a skier you
Speaker 1: want them on all the time.
Speaker 2: Yep.
Speaker 1: I mean do people around town ever put them on
Speaker 1: and then weeks in between take them off or not?
Speaker 1: I do a big time every year. You did? No
Speaker 1: between weeks and the time, though, Mark every single year?
Speaker 2: Mark?
Speaker 1: Tell me what you mean by that. I think you
Speaker 1: misunderstood me. Go ahead, well, I take on. Let's put
Speaker 1: it this way.
Speaker 6: I put my snow tires on generally in December, and
Speaker 6: then I'll keep them on till basically the beginning of March,
Speaker 6: and then Discount Tires got a free tire changeover if
Speaker 6: you bought them there, or a very inexpensive one on
Speaker 6: only certain days. So I'll take advantage of that of
Speaker 6: getting my summer tires back on. But I always run
Speaker 6: snow tires on at least one vehicle.
Speaker 1: Now, what we were asking is, do you ever ever, ever,
Speaker 1: during long periods of time take them off because you
Speaker 1: want to preserve them. It's not cost effect, not cost effect. No,
Speaker 1: unless you own a shop. How much? How how much
Speaker 1: fasters do all weather tires wear than regular time to
Speaker 1: have half the life? What? Yes, I'd say even last
Speaker 1: we ch snow tires and all weather have the same
Speaker 1: amount of life. No, no, no, no, no no.
Speaker 2: All weather is is your standard fifty sixty thousand mile tire,
Speaker 2: and snow tire is probably twenty thousand.
Speaker 1: Yeah times, and then regular tires fifty sixty because it's well.
Speaker 1: Then all weather does not have lesser life than a
Speaker 1: regular time No, absolutely not. Okay, So I.
Speaker 6: Don't even know what you mean by what what do
Speaker 6: you think he means, Kevin I regular tire?
Speaker 2: There is no regular tires anymore. They're all all season.
Speaker 2: They really are, yeah, most of it.
Speaker 1: So when I buy a car, they're really all seasons.
Speaker 2: Have mudd and stack.
Speaker 1: Okay, so there's nothing really okay, Maybe I'm come on though,
Speaker 1: I'll bet his Models doesn't. I'll bet his Models doesn't
Speaker 1: have all there's.
Speaker 2: Some speed rated tires that are not all seasoned.
Speaker 1: My modelsque is definitely all season. By the way, Mark,
Speaker 1: I was told for my son's car and we had
Speaker 1: to replace them, that there are special EV tires.
Speaker 2: They're heavier.
Speaker 1: Now, why because they break me so much.
Speaker 2: The torque you're constantly the torque is constantly.
Speaker 1: Have you had to replace your tires Mark? I just
Speaker 1: did this year. I got really lucky, man.
Speaker 6: I got thirty four thousand miles out of them, but
Speaker 6: I went ohem, I would not allow them to sell
Speaker 6: me anything else. They had to special order them same
Speaker 6: exact tires because thirty four thousand miles on that vehicle
Speaker 6: is absolutely in saying it never happens.
Speaker 1: But the tires were almost two grand.
Speaker 6: Okay, okay, that BMW SUV you got. Those aren't cheap, bro, No, No,
Speaker 6: unfortunately they're not. I bet you're at least five hundred
Speaker 6: to tire. Oh for absolutely absolutely, And then then God
Speaker 6: help you if you ever scuff up a rim and
Speaker 6: have to buy a wrist shut up.
Speaker 1: God, oh my, I'm gonna get every weakness he has
Speaker 1: and I'm gonna exploit it next week. Everyone, Hey, a
Speaker 1: deputy doc. Uh wait, somebody wants to know about blood
Speaker 1: testing because they they know I got my blood test
Speaker 1: a lot, and so I got a lab court for
Speaker 1: the draw or to the office that uses a lab
Speaker 1: core tech. But lab court are they the actual lab?
Speaker 1: Do they actually or does the doctor use it different?
Speaker 1: Could one doctor have lab corse send them off somewhere else.
Speaker 8: No, because they don't know the process.
Speaker 1: The core is want and done. You get to draw,
Speaker 1: they do the test, they send the results. Correct, Okay, now.
Speaker 7: Do they And it's usually there's just you know, two
Speaker 7: or three of them that are covered by your insurance.
Speaker 7: So if you go to someplace that's independent. Let's say
Speaker 7: you went to.
Speaker 1: Your conciergeier like you're doing it for testosterone or hormone
Speaker 1: replacement stuff, you have to pay it yourself, right, And
Speaker 1: I do know that lab core has pricing for paying
Speaker 1: yourself which is lower than they charge insurance.
Speaker 8: Of course it's always that way.
Speaker 1: So in any case, Uh, the bottom line is lab Core.
Speaker 1: But can someone walk into lab core and get blood
Speaker 1: drawn or do you need a doctor's note? I don't know.
Speaker 1: I don't know either. I know that any lab what
Speaker 1: do they call any lab test now or something? You
Speaker 1: can go and do whatever you want. But I don't
Speaker 1: know about lab Core. But that's to answer you. The
Speaker 1: one who was texting me lab Core is the one
Speaker 1: that does it. But and is yeah, lab Corp. And
Speaker 1: I think you need I think you need a.
Speaker 6: Doctor on that on that same well, on that same
Speaker 6: theme kind of Suzanne and I are going in to
Speaker 6: get one of those scans. You've had it done, I
Speaker 6: don't know, a couple of years ago where they scanned
Speaker 6: for plaque. Yeah, and I want to know your true experience.
Speaker 6: And I don't mean on the scan itself. I'm starting
Speaker 6: to think these people just try to sell you stuff.
Speaker 6: So you go in, you get the one hundred and
Speaker 6: fifty whatever it is, scan. Then they come back to
Speaker 6: you and they're like, oh, by the way, we've got
Speaker 6: these vitamins. I mean, how does that work?
Speaker 1: Okay, the pure places just through the scan, Okay, but
Speaker 1: when when Grossman Clinic did it, and and others that
Speaker 1: are really reputable, good people. Yeah, they want you as
Speaker 1: a client for sure, and they have they offer programs.
Speaker 1: Some believe in keelation therapy, which is really high you
Speaker 1: can do kelations. Some people don't believe in that then,
Speaker 1: or they they may offer statin, or they may offer
Speaker 1: what the hell is the repath? What's the really strong one?
Speaker 1: You take it a shot every thirty days. I think
Speaker 1: it's called REPATHA what But but in some clinics like
Speaker 1: Boone hearth heart. I think it's boone. Yeah, he might
Speaker 1: offer that, and then what they do is they offer
Speaker 1: something to get you on track, and then what they
Speaker 1: do is then get a maintenance program going. So they
Speaker 1: the booneheart is they absolutely want to make you a client.
Speaker 6: So it's a I mean, it really is a grab.
Speaker 6: But do you think it's honest? In other words, Yeah,
Speaker 6: these treatments, they don't they don't.
Speaker 1: Give you false reports to get you in. They're absolutely not.
Speaker 6: So if I took if I took the scan for example,
Speaker 6: that I get, I'm not even sure why.
Speaker 1: I don't even know what they're gonna match. They're going
Speaker 1: to match the grading and scale of someone else if
Speaker 1: they do it well.
Speaker 6: Now they're readings like are they going to give me
Speaker 6: something I can give to my physician? Yes, my medical doctor,
Speaker 6: and say what do you make of this?
Speaker 1: Yes, Now a lot of medical doctors don't know about
Speaker 1: this and don't care about it. Now. Here's what they say,
Speaker 1: whatever is in your carotid artery mimics what's in your body.
Speaker 1: That's sometimes true and sometimes not. But what it can
Speaker 1: do more so than what's in your body. If you
Speaker 1: have increased plaque in the carotid specifically, it does affect
Speaker 1: your brain, which affects everything. So that's why it's even
Speaker 1: more important than having plaque in your leg or your
Speaker 1: heart or somewhere else, although that's all important.
Speaker 8: Also a correlation.
Speaker 7: I mean, if you have significant plaque in your curate,
Speaker 7: and not only is it going to affect your brain,
Speaker 7: but it's a good indication that you might want to
Speaker 7: talk about therapy to get rid of plaque.
Speaker 1: Now in your diet and other things. Yeah, for sure.
Speaker 1: Now some plaque is unstable, and they can see that
Speaker 1: some plaque is stable. Some plaque is hard or soft.
Speaker 6: And if it's when we talk about this form of plaque,
Speaker 6: we're talking about this scan that we're going to get.
Speaker 6: I was also told that has nothing to do and
Speaker 6: maybe one of the two of you know you were duck,
Speaker 6: but you know you think of Allheimer's. They say that's
Speaker 6: due to a buildup of plaque in the brain. They
Speaker 6: told us at this place we're going to, that's a
Speaker 6: totally different kind of plaque.
Speaker 1: That's what that's right. This is the carotid plaque. Look
Speaker 1: at it like gucking up the plumbing. Okay, here's the
Speaker 1: fear with too much plaque in your karated The fear
Speaker 1: is lack of uh, lack of blood to the brain. Okay,
Speaker 1: the fear is stroke, the fear is cognitive abilities might
Speaker 1: be all the stroke part. Explain this to me. So
Speaker 1: if a big piece breaks off, no, nothing has to
Speaker 1: break off. You just have to have enough of a
Speaker 1: squeeze on the kartid and enough pressure on the outside
Speaker 1: of you, meaning stress or exercise or whatever they so
Speaker 1: the blood flow stops. It doesn't, Yeah, it slops, It
Speaker 1: stops or slows down, and then it causes a problem. Yeah.
Speaker 1: But but here's the deal. Almost all karated conditions can
Speaker 1: be can be treated, and they can be treated aggressively
Speaker 1: with surgery. If they're dangerous, they can be an instint
Speaker 1: even uh it can be treated with medication. And it's all.
Speaker 1: It's controversial though, because what you want to do is
Speaker 1: get to the root of it, not necessarily that the
Speaker 1: plaque itself. And obviously if the plaque itself is dangerously
Speaker 1: squeezing or caroated, you need to do something about that mechanical.
Speaker 1: When you say the root of it, you mean what's
Speaker 1: creating the that's right, that's right, And the part of
Speaker 1: what would create plaque. Well, what creates plaque is deposits
Speaker 1: of cholesterol. But I want to I want to make
Speaker 1: and inflammate. Well yeah, first inflammation. Okay, the answer to everything,
Speaker 1: to everything, every disease is inflammation. So so what that
Speaker 1: means is your diet or exercise program or lifestyle causes inflammation.
Speaker 1: When inflammation is caused in the artery or the vein,
Speaker 1: what happens is cholesterol rushes to the site as a
Speaker 1: healing agent. It's a healing agent to soothe it over
Speaker 1: and to make it not inflamed. So to as I've
Speaker 1: said this before, to stop the cholesterol is like shooting
Speaker 1: firemen on the way to the fire. You're still going
Speaker 1: to have a fire, and shooting the fireman might give
Speaker 1: you the illusion there is no emergency, but there is.
Speaker 1: So it's really asked backwards to just do a stat
Speaker 1: in to lower cholesterol and think you're better now. People
Speaker 1: will say, well, there's not enough cholesterol to coat your
Speaker 1: your veins, it won't deposit there. Well yeah, but the
Speaker 1: reason it wants to deposit there is because if inflammation,
Speaker 1: So what you have to address is the inflammation, and
Speaker 1: then cholesterol is not a factor. Cholesterol just sits there.
Speaker 1: It doesn't do anything until it's needed, and people make
Speaker 1: the mistake of thinking it's the enemy. If you lower
Speaker 1: your cholesterol, the chances of mortality go up, not down.
Speaker 1: This higher mortality is associated with lower cholesterol in the
Speaker 1: Seven Continent study and in every major study known to man.
Speaker 1: So what you want is you want to have cholesterol.
Speaker 1: What you don't want is inflammation, which says to the cholesterol,
Speaker 1: come on over here in park, I need you and
Speaker 1: then now. So then why do statins work? Because they
Speaker 1: do sometimes. But here's why statins work. Satins have an
Speaker 1: anti inflammatory property and they also can reduce plaque. That is,
Speaker 1: they can reduce old plaque. But it's not by lowering
Speaker 1: your cholesterol that it helps. It helps mostly by going
Speaker 1: after the old plaque, and it also helps by reducing inflammation.
Speaker 1: The problem is it's better to reduce inflammation the right
Speaker 1: way through diet and exercise and even possibly anti inflammatories
Speaker 1: that are healthy so or an anti inflammatory diet or supplements.
Speaker 1: So the whole thing comes down to inflammation, not cholesterol.
Speaker 1: But if you have a build up a plaque in
Speaker 1: the karateid, it can be a problem and you should
Speaker 1: treat it. Again, that's going to be up to your
Speaker 1: healthcare provider. But as far as plaque being mimicked in
Speaker 1: the rest of your body, I had my entire body
Speaker 1: scam like that after my karate and it was not
Speaker 1: in every part of my body like the karate had said.
Speaker 1: So you didn't have to get a stan or anything
Speaker 1: like crazy. Oh no, no, no, I just had to
Speaker 1: I do minor stat for it. But here's the deal.
Speaker 1: You really need to shop because some doctors are on
Speaker 1: an automatic statin. They sell them period, no matter what,
Speaker 1: and they don't they don't know anything about exercise. They
Speaker 1: don't know anything about diet. Like I told you this
Speaker 1: one famous quote from a doctor when he said, I'm
Speaker 1: gonna put you on a statin and I'm going to
Speaker 1: do this, and I'm going to do that. And I said, hey,
Speaker 1: I like to control that with diet and exercise. And
Speaker 1: they said to me, oh, you're into alternative medicine. Now,
Speaker 1: now think about how funny that is. This doctor's office
Speaker 1: had the opinion that diet and exercise is alternative to
Speaker 1: medications and treatment. It's the other way.
Speaker 2: It's that is the alternative to taking a hand.
Speaker 1: But it's not. It's not alternate met all. You're into
Speaker 1: all alternative medicine. Well, yeah, I guess I am if
Speaker 1: you're If you're the regular one, I sure am. But anyway,
Speaker 1: we got more coming up. I'm Tom Martine. Go with
Speaker 1: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance check up free, no obligation. In comparison, call
Speaker 1: Compass Insurance paying too much your coverage at dozens of
Speaker 1: insurance companies find out now three all three seven seven
Speaker 1: to one. Help. You'll think you're his only customer when
Speaker 1: you choose Frank durand the real estate Man dot com
Speaker 1: to list your home with Remax Alliance three all three
Speaker 1: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 1: troubleshooter three all three seven one three talk seven one
Speaker 1: three eight two five five All right, that was funny?
Speaker 1: What was funny?
Speaker 6: I started because I thought you were gone, because YouTube's
Speaker 6: got like a twenty second to lay.
Speaker 1: Oh I'm sorry. So I'm like, he's not in the studio.
Speaker 1: Oh my, got it. It wouldn't be bad things. So
Speaker 1: we have two simultaneous shows going on and then you
Speaker 1: tune into each one. Wouldn't that be weird? Anyway? There
Speaker 1: is a fifty to fifty a fifty ninety for a
Speaker 1: motor oil on Amazon. I have no idea why I'm
Speaker 1: being faxed or text this, but anyway, Tom, you sound
Speaker 1: like a bleeding heart liberal fool. California. Start getting exactly
Speaker 1: what they voted for.
Speaker 2: Listen.
Speaker 1: I didn't say, look, I want to get intil they
Speaker 1: deserve anything or all I said was I have sympathy
Speaker 1: for people. Hey, you lost text verbatim? Would you do
Speaker 1: you sound like a liberal fool?
Speaker 8: Oh?
Speaker 1: That's all he said. Really, you sound like a liberpool California.
Speaker 1: Start getting exactly what they voted for. Wow, that's a
Speaker 1: You're definitely not a liberal fool. If anything, you're the opposite.
Speaker 1: You alive. I thought Mark was covering up your demise.
Speaker 1: I read that before. How about see what else? Okay,
Speaker 1: that's it on that one. Then I would go to
Speaker 1: my Google voice. Did you get out out of that basement? Yeah? Yeah,
Speaker 1: you thought you had all the exits blocked, but I
Speaker 1: found one. I found one because of Nico. He showed
Speaker 1: me the ins and outs. Anyway, So three O three
Speaker 1: seven one three a two five five. Okay, regarding cars
Speaker 1: and snow tires, someone said that they have found in
Speaker 1: Colorado all weather is the only.
Speaker 2: Way to go.
Speaker 1: That it's a it's a fool's errand to try to
Speaker 1: keep up with when to put on snows and when
Speaker 1: not to.
Speaker 6: And so me man, my deductible on my vehicles if
Speaker 6: I cause an accident is one thousand bucks. I can
Speaker 6: put snow tires on my Santa Fe for a few
Speaker 6: bucks more than that, and the stopping power is ten
Speaker 6: times out of an all.
Speaker 2: And they are safer on ice the all season you
Speaker 2: get away within the snow the ice you cannot without
Speaker 2: a good snow tire there.
Speaker 1: So there is a difference absolutely. Now what about people
Speaker 1: want to know about these eighteen inch wheels that people
Speaker 1: are getting and all that or the twenty whatever they
Speaker 1: are over. Does that make it the lower profile make
Speaker 1: it better or worse?
Speaker 2: It depends on the tread, not the not the profile.
Speaker 1: The profile matter. No, okay, does the profile matter for comfort?
Speaker 2: Oh yeah, no, you get too low profile. It's like
Speaker 2: a wagon wheel.
Speaker 1: Why do they do it for looks?
Speaker 2: Looks? Period? That's stupid and some performance so it can
Speaker 2: take turns it can take turns tighter because you don't
Speaker 2: have the role of the sidewall. It's it's stiff.
Speaker 1: Oh I get it. Yeah, more stable. Okay, So personally,
Speaker 1: if you want the best of all worlds all weather,
Speaker 1: I know Mark saying snows are more aggressive than they are,
Speaker 1: say all weather a medium. Do you get to choose
Speaker 1: the sidewall or is that chosen by the manufacturer and
Speaker 1: you have to stick with it?
Speaker 2: That's chos by the profile. I mean there's nothing you
Speaker 2: can do that. Well, certain tires, truck tires. You can
Speaker 2: get thicker sidewalls, but past your vehicle.
Speaker 1: I mean it's not thick. I mean that I'm talking
Speaker 1: about that.
Speaker 2: That's the profile the tire. That's the size of the tires.
Speaker 1: I mean how call it is off the rim? Yes, okay,
Speaker 1: So you don't get to choose that.
Speaker 2: Limited because there's only certain fit. It only fits certain vehicles. Yeah.
Speaker 1: Yeah, on the wheelwells.
Speaker 2: Do you look at your doors, I'm gonna give you
Speaker 2: the size tire that they recommend, Like, do they give
Speaker 2: you a range? Sometimes, but not a huge.
Speaker 6: A lot of people won't put anything on that's not
Speaker 6: in the range he's talking about.
Speaker 2: Okay, okay, he may not have clearance for it. You
Speaker 2: get too too tall, a tire may not be able
Speaker 2: to turn. So hey, Tom, a lot of people don't
Speaker 2: know this. I'll use an old school size two thirty
Speaker 2: five seventy five fifteen. That means, going across the top
Speaker 2: of the tire, the tread zone is two hundred and
Speaker 2: thirty five what is.
Speaker 1: It, millime milimeters?
Speaker 6: And then the sidewall is seventy five percent of two
Speaker 6: hundred and thirty five okay, And then that's the only
Speaker 6: real measurement you have.
Speaker 2: And then the wheel, the size of the wheel, you
Speaker 2: pro the hole the hole, yeah.
Speaker 1: Okay, So most wheel sizes it doesn't matter. I mean,
Speaker 1: in other words, the wheel size doesn't have anything to
Speaker 1: do with traction, no, okay. And it's all looks and
Speaker 1: cosmetics at that point, yep.
Speaker 2: And there's some performance, you know, mileage, power, torque, everything
Speaker 2: comes into play with you.
Speaker 1: But as far as the all the all wheel transmissions,
Speaker 1: the or the yeah yeah that you have to have,
Speaker 1: you can't go with different sized wheels. I mean you
Speaker 1: have to have pretty much everything very.
Speaker 2: Very similar size. Yes, even if you don't rotate them.
Speaker 2: You can put it to us it's where half three
Speaker 2: cords of man's difference front and rear and you can
Speaker 2: start burning up clutches and transmissions.
Speaker 1: How often do you rotate on those?
Speaker 2: You should rotate at least twice a year in every
Speaker 2: four or five thousand miles.
Speaker 1: All right, someone here wants to talk about insurance. Hey,
Speaker 1: real quick, Kevin.
Speaker 6: I mean, are people still doing like coolant flushes? I mean,
Speaker 6: should people come in right now and get that done
Speaker 6: or at least get it tested? Or is this new
Speaker 6: coolant they use the newer cars like from twenty twenty on?
Speaker 1: Do you ever have to don't don't believe that.
Speaker 2: No, they say that, but I you know, even if
Speaker 2: you do it every other year, you know, you should
Speaker 2: only really have to do a drain in phill. You know,
Speaker 2: if you're keeping up on it every couple of years,
Speaker 2: you don't have to go the whole flush and all
Speaker 2: the chemicals and all the nonsense. You know, just keep
Speaker 2: a good fluid in there. It's good, you know, Like
Speaker 2: oils have high detergents, the anti freeze has an addive pack.
Speaker 2: Is they all wear out over time? They have to be.
Speaker 1: What's the draining phil costs?
Speaker 2: Like?
Speaker 1: These days?
Speaker 2: Two three hundred, probably closer to two. Yeah, yeah, got it?
Speaker 1: Okay, three oh three seven one three talk three oh
Speaker 1: three seven one three eight two five five. I have
Speaker 1: a twoenty sixteen VW Jetta. I had a misfire code
Speaker 1: on cylinder three and four now replaced spark plugs and
Speaker 1: getting cylinder four missfire. What should I do? I mean,
Speaker 1: I don't know.
Speaker 2: Well, the easiest thing to do, especially with the individual
Speaker 2: coils that they have on, they switch a coil and
Speaker 2: so the mismoves.
Speaker 1: So let me get this straight. Then, Now on newer cars,
Speaker 1: you have a separate coil on each.
Speaker 2: Yes, each each plug.
Speaker 1: Really, where's that locating.
Speaker 2: On top of the motor? You know, a lot of
Speaker 2: the force cy owinders like the vols are very easy
Speaker 2: to get to.
Speaker 1: So you have a coil and a plug.
Speaker 2: Yes, so there's no plug, wire, no distributor cap, none
Speaker 2: of that. It's all gone. So it's all computer controlled spark.
Speaker 2: But the simplest way to check a misfire move the
Speaker 2: coil from number four to number three and number three
Speaker 2: to it.
Speaker 1: Does it pomp and pop in? And if it follows,
Speaker 1: it follows the coil is what if it doesn't follow
Speaker 1: the coil.
Speaker 2: Well, then you got to start. You got to know
Speaker 2: what you're doing. Now you got to figure it out. Well,
Speaker 2: you have a few injection issues, you know, you could
Speaker 2: have an injector half plugged, an injector not working.
Speaker 1: And there's no way to mix and match.
Speaker 2: Well that's that's a lot harder. But it is still
Speaker 2: possible diagnostically, yes, but not as easy as a coil.
Speaker 1: And really, nowaday, Kevin, I mean the days of taking
Speaker 1: things apart and trying to you know, blow through that
Speaker 1: injector and and how many people remove and replace.
Speaker 2: Yes, right, yeah, yeah, parts anymore for the labor involved.
Speaker 2: You just you just go with new parts.
Speaker 1: And removing a carburetor.
Speaker 2: No carburetors anymore. Never never haven't seen one, really, you know,
Speaker 2: I see one a year maybe, Okay, yep.
Speaker 6: I have I remember a guy in a chicken suit
Speaker 6: that had a carburetor.
Speaker 2: I thought you'd remember that.
Speaker 1: What do you mean?
Speaker 2: We had a little disagreement with a guy, Tom.
Speaker 6: I have never in my life took the worst, the
Speaker 6: worst complaint on a referral list member.
Speaker 1: Here's what the guy said. He said over.
Speaker 6: The phone, Kevin didn't want to give me a price
Speaker 6: on tuning up my carburetor. And then finally he said,
Speaker 6: we'll do it for whatever, three hundred five hundred, I
Speaker 6: don't remember the number. So the guy gets it over
Speaker 6: there and sure enough, I mean, the carburetor is in shambles.
Speaker 6: It needs parts and needs everything. So it went from
Speaker 6: a tune up to a rebuild. So Kevin calls them up.
Speaker 1: We're talking about rebuilding, right.
Speaker 2: Yeah. I gave him a phone quote and then I
Speaker 2: couldn't honor the quote, so I told him, I said,
Speaker 2: this is what I need and he's in other.
Speaker 1: Words, he didn't come in and have it all laid
Speaker 1: out first.
Speaker 2: No, he wanted a quote over the phone.
Speaker 1: And you said, well, now I can't do it for that.
Speaker 1: So it's not like you had a contract with him. No,
Speaker 1: And he said just and Kevin said, hey, just come
Speaker 1: pick it up. I won't charge you anything.
Speaker 2: Yeah, put it all back together, no charge.
Speaker 11: Yeah.
Speaker 1: And what did the completely guy?
Speaker 6: The guy tresses up in a chicken suit like cowsuit
Speaker 6: or a cowsuit like from the chicken place, and he's
Speaker 6: out front holding a sign about him.
Speaker 2: He was picketing in front of him.
Speaker 1: What was his saying?
Speaker 2: Tom Martine's referral list. Kevin Culkin doesn't keep his word
Speaker 2: or something.
Speaker 1: Because you did a revised estimate and didn't charge him
Speaker 1: a dime. You di I mean so they he wants
Speaker 1: your very first look to be the only price you quote.
Speaker 2: Yes or else. I'm lying it was the most.
Speaker 1: It would be different if you talk to me to
Speaker 1: a quote to get the job in there, get there
Speaker 1: and then and then you you you know he can't
Speaker 1: back out. But it's like you gave him the choice,
Speaker 1: and no, it didn't cost him a dime. Well, Mark
Speaker 1: wind Out that day he was there and took a
Speaker 1: picture of the guy into.
Speaker 2: I don't have it. I was looking for it. I
Speaker 2: can't find.
Speaker 1: But when you had tried to explain that to him,
Speaker 1: what did he say?
Speaker 2: He was completely unreasonable and then he wanted to say,
Speaker 2: all right, you know what, just go ahead and do it.
Speaker 2: But at that point I didn't want to work with him.
Speaker 1: That was probably the smartest thing.
Speaker 2: I think you think we should go our separate ways.
Speaker 6: Wow, Tom, if he can find that picture. The whole
Speaker 6: funny part, well, the whole thing's ridiculous. But the funny
Speaker 6: part is he puts on this cowsuit. It's the craziest
Speaker 6: thing you've ever seen.
Speaker 2: I don't know what the cow suit had to do
Speaker 2: with any of it. Yeah, he stood outside for about
Speaker 2: an hour out on Colfax, waving the cars.
Speaker 1: I would have sprayed him down with a hose if
Speaker 1: that was one of my shoes.
Speaker 2: Yeah, I didn't have one that reached I was.
Speaker 1: I was looking, so was it on your property or
Speaker 1: on public?
Speaker 2: Product was on the sidewalk, So I really couldn't do much.
Speaker 6: You know, Tom, I want to ask you this, what's
Speaker 6: the most ridiculous call.
Speaker 1: That you've gotten.
Speaker 6: I don't mean I mean one of the complaint on
Speaker 6: our people, yeah, I mean on Yeah, exactly. Somebody on
Speaker 6: the referral is the most ridiculous you can recall.
Speaker 1: Tom Martina referralss mem sharedon All Detect owner Kevin does
Speaker 1: that picture? Wow? They look like just old too mokes. Basically,
Speaker 1: who's the friend?
Speaker 2: I don't know if the one in the cowsuit he
Speaker 2: never took it off. No, the other guy, the guy
Speaker 2: that's holding the customers in the cowsuits his buddy something.
Speaker 1: Okay, So listen. So I had one where Excel Roofing
Speaker 1: did some gutters beautiful. This one's great quoted exactly what
Speaker 1: he was going to charge. Charge the whole thing. The
Speaker 1: job's done. The guy calls me pissed off, and he said,
Speaker 1: they took away all the old gutters. Now, the reason
Speaker 1: he got gutters is they were crooked, dented, there were
Speaker 1: holes in them, and they were disgusting. Well, who the
Speaker 1: hell wants old gutters us? So listen, So excell did
Speaker 1: such a beautiful job putting new gutters on. Then they
Speaker 1: were upset that he cleaned up everything. And he said
Speaker 1: he didn't even ask me. I said, well, did they
Speaker 1: take the old shingles away? I said, listen on the quote,
Speaker 1: it says clean up is part of the job. Okay.
Speaker 1: But he said they didn't ask me about the old gutters.
Speaker 1: And I said for whatever? Would you want the old
Speaker 1: gutters for what? And he said, well they have value,
Speaker 1: blah blah blah. And Jay said, Tom, I'll give him
Speaker 1: whatever salvage value he wants on that they weren't for
Speaker 1: their good No, they had sentimental Yeah, but stop, you
Speaker 1: went to the punchline too fast, man. Oh, I'm sorry
Speaker 1: he said that he wanted. So Jason, I'll give him
Speaker 1: salvage value, you know, allumin whatever and then that's when
Speaker 1: he said, but he doesn't understand they have sentimental value.
Speaker 1: Sentimental value, so he wanted to be reimbursed or get
Speaker 1: the old gutters back for the sentimental value. I don't
Speaker 1: know if he was going to display them. Put him
Speaker 1: in his basement, maybe lock him up with the dead
Speaker 1: people he has buried in the property. I don't know,
Speaker 1: but buried with him. It's crazy. You want to hear
Speaker 1: the root, Go with a sure thing Denver's Best roofer
Speaker 1: Excel Roofing dot com. You don't pay a cent until
Speaker 1: you're content. Time for an insurance checkup free, no obligation.
Speaker 1: In comparison, call Compass Insurance paying too much your coverage
Speaker 1: at dozens of insurance companies find out now three all
Speaker 1: three seven to seven to one help. You'll think you're
Speaker 1: his only customer when you choose Frank durand the real
Speaker 1: estate Man dot com to list your home with Remax
Speaker 1: Alliance three all three nine two zero sixteen twenty two.
Speaker 1: Hi Tom Marts, you know you're a troubleshooter three oh
Speaker 1: three seven one three talk seven one three eight two
Speaker 1: five five So B and what's going on with you? B?
Speaker 17: Yes, I have a question I was wanting to answer.
Speaker 17: If I have a trust, can I drop my liability
Speaker 17: limits on my assets like my home in my vehicle
Speaker 17: since I no longer own those assets the.
Speaker 1: Trust does Okay, Now I'm not sure what you mean
Speaker 1: draw from them? So do you have an irrevocable or
Speaker 1: irrevocable trust?
Speaker 17: I don't have one yet. That's what I'm going to
Speaker 17: be getting one, but I want to know which one
Speaker 17: I should think.
Speaker 1: What is the purpose? First? Let me ask you the
Speaker 1: purpose of the trust. There's a reason I'm asking.
Speaker 17: Properties. Money liquidation, okay, asset yeah?
Speaker 1: Are you trying to protect from lawsuits or no probate?
Speaker 11: Yes?
Speaker 17: Both?
Speaker 11: Both?
Speaker 1: All right, I'm getting behind on breaks by, but here's
Speaker 1: what I'm going to tell you. And I'm sorry for
Speaker 1: people who have to sit through that, But here's what
Speaker 1: I'm going to tell you. If you do a trust,
Speaker 1: you may want to do it, but you may not
Speaker 1: need it. But if you do do it, you would
Speaker 1: want an irre You would want a revocable trust. You
Speaker 1: don't want an irrevocable trust. And when assets are put
Speaker 1: into a revocable trust, a regular revocable trust, you treat
Speaker 1: them as if they're your own no matter what. Anything
Speaker 1: you want to do. If you want to refinance your house,
Speaker 1: you can, if you want to do anything, and you
Speaker 1: would simply be signing as the trustee and for the
Speaker 1: house and trust, and you would everything you want to
Speaker 1: do is exactly the same. You can sell the car
Speaker 1: and get a new one, put it back in the trust.
Speaker 1: It's all that. It's all that. The trust is only
Speaker 1: mostly to survive your death. It really has little to
Speaker 1: do with when you're living. And that's really the simplicity
Speaker 1: of it. And it has to be written properly, but
Speaker 1: most of them are. I would use Keel and Park
Speaker 1: they're great people. Or you can use our good friends,
Speaker 1: Dan McKenzie. They're good people.
Speaker 8: Hey, b do they have any attorneys in Maybury?
Speaker 17: No, That's why I want to That's why I was
Speaker 17: calling too, because I want to get this done.
Speaker 11: Nuts.
Speaker 1: Okay, let me ask you where do you live?
Speaker 17: Be get this done in January? Monument Colorado?
Speaker 1: Where is that monument? Okay? Let me just give you
Speaker 1: both numbers. Dan McKenzie. McKenzie law is easy to remember.
Speaker 1: Eight three three c plans. He is local, by the way.
Speaker 1: It just has a good number. Eight three three co plans.
Speaker 17: Okay and Ken Kevin, Oh no, that's Dan Mackenzie. No, no, no,
Speaker 17: but the other one Kill and.
Speaker 1: Park Keel and Park yep, they're Keel and Park with
Speaker 1: ease on the ends of each name. Keel and Park.
Speaker 1: They're at nine seven zero eight one eight eight. Now
Speaker 1: these these will not require in person visits. I mean
Speaker 1: you can do it, but you can usually do it
Speaker 1: by phone, emails and stuff. But call each one and
Speaker 1: get a feel for what you want to do.
Speaker 17: Okay, thank you so much, Tommy, you have a great weekend.
Speaker 1: Okab three oh three seven one three eight two five fives.
Speaker 1: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 1: dot com. You don't pay a cent until you're content.
Speaker 1: Time for an insurance check up free, no obligation. In comparison,
Speaker 1: call Compass Insurance paying too much your coverage at dozens
Speaker 1: of it insurance companies find out now three all three
Speaker 1: seven seven to one help. You'll think you're his only
Speaker 1: customer when you choose Frank durand the real estate Man
Speaker 1: dot com to list your home with Remax Alliance three
Speaker 1: all three nine two zero sixteen twenty two.
Speaker 3: Yeah, ripped up.
Speaker 4: New need advice, so you don't have.
Speaker 2: Come running.
Speaker 4: Just as pass as we can show Shooter's gonna help
Speaker 4: come man, This.
Speaker 1: Is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino,
Speaker 1: Your Troubleshooter three all three seven one three talk seven
Speaker 1: one three eight two five five. I want to talk
Speaker 1: to you about this devastating fire and what it's like
Speaker 1: to lose a house and what do you do about it?
Speaker 1: And do you lose money on it? And Bob, good
Speaker 1: friend of mine for years, runs mister green Jeans. He's
Speaker 1: a landscaper, does all of our work. And hey, Bob,
Speaker 1: so how long ago did you lose your home?
Speaker 11: The Carameron Peace fire was in the fall of twenty
Speaker 11: twenty twenty twenty.
Speaker 1: Twenty twenty fall. So we're right in the throes of
Speaker 1: COVID right, yes, okay, so what happened.
Speaker 11: We had just finished building our house, to be honest
Speaker 11: with you, and two weeks after we had finished our house,
Speaker 11: the fire came through and took everybody's house on the
Speaker 11: mountain and it was devastating. That fire was traveling a
Speaker 11: mile an hour. It was crazy. When I did get
Speaker 11: up to my house, pretty much my house had melted
Speaker 11: down the road. There was just nothing left. It's gone.
Speaker 1: There's nothing that could have been done to prevent or
Speaker 1: save that, right.
Speaker 11: No, not at all. I applaud the firemen. I could
Speaker 11: see them numerous water drops from the sky because I
Speaker 11: could tell the erosion. But there was no way to
Speaker 11: stop it. I mean, our forests are so overgrowing. There's
Speaker 11: there's no way.
Speaker 1: Okay, so then let's talk about the insurance and all that.
Speaker 1: So what happens in a case like that where it's
Speaker 1: a total loss, Well, it.
Speaker 11: Was pretty devastating. But I will say my insurance company
Speaker 11: when the Marshall fire took place, there was eight percent
Speaker 11: that was properly insured. And that was actually an insurance
Speaker 11: company that I have, Thank god, they were great. Within
Speaker 11: just a few weeks they had paid me for all
Speaker 11: my inside stuff, the total loss of the house, everything,
Speaker 11: and they.
Speaker 1: Let me, did you have extended coverage?
Speaker 11: They were. They paid my complete policy and they went
Speaker 11: thirty percent past my plot. That's everything they could.
Speaker 1: Yeah, that you did have the extended policy, then okay,
Speaker 1: that's good coverage. And who was that company?
Speaker 11: Best company? I'll throw it outs a commercial here, it's
Speaker 11: their country financial.
Speaker 1: Okay, that and that is the insurance company.
Speaker 11: Yes, it's called Country Financial, Okay. And the insurance agent
Speaker 11: I have the lady that's taking care of me. She
Speaker 11: was the best in the world. I mean, if I
Speaker 11: had any questions, bump, she didn't let me handle anything.
Speaker 11: She took care of it for me. It was excellent.
Speaker 1: That's wonderful. So I never heard of that insurance company. Actually,
Speaker 1: is it a mainline insurance company or is it specialized
Speaker 1: in the mountains or what?
Speaker 11: No, they actually, I'd never heard of them either, because
Speaker 11: I had problems getting insurance.
Speaker 1: Is that the actual underwriter? Is that the actual underwriter?
Speaker 11: Yes, Country Financial is not just the name of what
Speaker 11: up in Fort Collins. That is the insurance Okay.
Speaker 1: So you had one hundred and thirty percent of coverage
Speaker 1: plus plus interior contents. Yes, okay, So you're probably one
Speaker 1: of the few in the world that can have a
Speaker 1: total loss, and you're prepared pretty well as far as
Speaker 1: Now here's what I want to know. I know you
Speaker 1: did a lot of work. So let's say theoretically most
Speaker 1: people don't. So let's take a normal person paid out
Speaker 1: the way you're paid out. Would you be able to
Speaker 1: build the same house hiring people to do it.
Speaker 11: Not a chance.
Speaker 1: Okay, see that's so, go ahead, go ahead. I'm sorry.
Speaker 11: I'm sorry the way the economy took such a direction
Speaker 11: during COVID. My house costed possibly three times more than
Speaker 11: it should have.
Speaker 1: You mean when you were building it or after it
Speaker 1: you mean the replacement, Yeah.
Speaker 11: To replace it due to the cost of everything.
Speaker 1: Oh so, even at one hundred and thirty percent, even
Speaker 1: at one hundred and thirty percent reimbursement, you're telling me
Speaker 1: your price was three hundred percent.
Speaker 11: Oh, without a doubt.
Speaker 1: And I don't why, Bob, Bob, why why tell me
Speaker 1: about what would be what would make your cost triple?
Speaker 11: Everything I bought during COVID was impossible to get or
Speaker 11: it was so overpriced. It was ridiculous. When even when
Speaker 11: the builder came up delivering my wood. I remember the
Speaker 11: one trip that he made, he says, you know, you
Speaker 11: paid an extra thirty thousand dollars on this compared to
Speaker 11: when I built houses a couple of years ago. It
Speaker 11: just never ended.
Speaker 1: Did you ever think of waiting, just putting the money
Speaker 1: somewhere and waiting, You know, I.
Speaker 11: Really did, But I didn't know how long this would take.
Speaker 11: I'd like to get my life back in order, and
Speaker 11: to be honest with you, I'm still a couple of
Speaker 11: weeks away from getting my final inspections to get my
Speaker 11: life back in order. It's yeah, and I didn't know
Speaker 11: if it was going to go down or what the
Speaker 11: timetable was. Most things have went down, but there's still
Speaker 11: a few items that are it's hard to get at.
Speaker 1: Okay, So now you rebuilt, and how'd you come up with.
Speaker 2: The rest.
Speaker 11: Out of pocket? You know?
Speaker 1: Oh my god? Did you have to it? Right now?
Speaker 1: So you had a mortgage going in, right? So if
Speaker 1: you had one hundred and thirty percent payoff? Oh, you
Speaker 1: didn't have a mortgage.
Speaker 11: No, I was mortgage free, thank god. And I just
Speaker 11: paid my way through this, thank god.
Speaker 1: I do you have a mortgage now? No?
Speaker 11: I managed to do this and still stay out of debt.
Speaker 1: Oh my god, Bob, that's fortunate. But all right, so
Speaker 1: you have been three times the cost and it's complete.
Speaker 11: Now, pretty much complete. You're more than welcome to come up.
Speaker 11: It'll be probably a few more weeks. I'm gonna have
Speaker 11: Alice warming party sometime here the care and we'll be
Speaker 11: ours say that in the beginning of next year, and
Speaker 11: we're done with this.
Speaker 1: And so in twenty twenty five, in a few months,
Speaker 1: you'll be done.
Speaker 11: Yes, totally done. I'm just doing the little odds and
Speaker 11: ends right now.
Speaker 1: And had you moved into the new house when burned down.
Speaker 11: Oh, yes, we were in there. A lot of our
Speaker 11: personal stuff was up there, but we were in the
Speaker 11: process of just getting all of our stuff up there,
Speaker 11: so I didn't have all of my stuff, thank god.
Speaker 1: But yeah, And what were you at work and then
Speaker 1: all of a sudden you rush home and it's gone.
Speaker 11: Actually, my neighbor when they talk about neighbor, he's probably
Speaker 11: half a mile away. We were tied into his cameras,
Speaker 11: so we got to watch the fire destroy the mountain.
Speaker 11: It first came over tree tops, which we thought it
Speaker 11: maybe missed us because it just burned all the tree tops.
Speaker 11: And then the cameras picked up the heat wave on
Speaker 11: the ground and then here came the orange glow and
Speaker 11: within minutes it was gone.
Speaker 1: So what did you learn through all this? Anything you
Speaker 1: can share?
Speaker 11: Yeah, because I look at the whole California thing, a
Speaker 11: lot of things. I had did all the fire mitigation
Speaker 11: I could. I was one of the few people on
Speaker 11: the mountain that actually had my place fire mitigated. But
Speaker 11: with one hundred hour winds, you can't mitigate anything. It was.
Speaker 11: It was horrible the way the fire was jumping. But
Speaker 11: people need to mitigate this and clean up around their
Speaker 11: properties because that's half the problem.
Speaker 1: What's the breaker area? You think you should have the
Speaker 1: clear area?
Speaker 11: Well, you know, my grandpa always told me I shouldn't
Speaker 11: have a tree ever close enough to hit the house.
Speaker 11: But I've went way past that. I don't have anything
Speaker 11: one hundred yards to my house.
Speaker 1: But you still have a view. Or did trees come
Speaker 1: back at all?
Speaker 11: Oh? Yeah, you if all my aspens are now ten
Speaker 11: feet tall already, most of the planes are almost knee high,
Speaker 11: so things are coming back great. And I actually went
Speaker 11: up there and did all my acreage and wildflowers, so
Speaker 11: it's just a big flower bed up there temporarily.
Speaker 1: Wow. Okay, so you all were out of the house
Speaker 1: when it happened.
Speaker 11: Yes, we were out of the house, yes.
Speaker 1: Including your little firstly, my wife, you're a little fur rap.
Speaker 1: Oh god, they're cute.
Speaker 15: You.
Speaker 7: I are a good landscaping company to help with the wildflowers.
Speaker 11: Yeah, that's funny for one, but you don't.
Speaker 2: Tom.
Speaker 11: Honestly, I wouldn't have made it through this build if
Speaker 11: I wouldn't have had so much help from my my friends,
Speaker 11: my family and everybody, and we all pitched in.
Speaker 1: So wait, wait, wait, so you did Did you do
Speaker 1: a lot of the work yourself? Oh?
Speaker 11: I did tons of but myself, my boy helped me,
Speaker 11: my wife everything.
Speaker 1: Even doing all of that, it was still triple the costs.
Speaker 11: Oh oh, without a doubt, without a doubt.
Speaker 1: God, unbelievable. Well, I'm glad that you made it, Bob.
Speaker 2: This is bo.
Speaker 8: I have a question.
Speaker 18: I'm really happy you got this good insurance company, Country Financial.
Speaker 18: So after all of this happened, did this insurance company
Speaker 18: still stay on.
Speaker 2: Board with you and ensure you with the new property?
Speaker 1: You know?
Speaker 11: That was interesting. I asked her, what would happen? Are
Speaker 11: you going to cancel me? Our rates were going up?
Speaker 11: And she said neither. My rates did not go up
Speaker 11: and they did not cancel me. So they have been
Speaker 11: a sweetheart on this whole deal.
Speaker 2: Well that's that's great, Bobby.
Speaker 11: We went we went from an we went from a
Speaker 11: number five fire problem. That's the worst it is. That's
Speaker 11: when I was building it. Now I'm rated to number
Speaker 11: one because I lost all my forest.
Speaker 7: Oh wow, Bob, where did you stay during when your
Speaker 7: house was destroyed?
Speaker 8: Where did you happen to stay?
Speaker 11: Well, as we were building, I have another place in
Speaker 11: Denver that I was renting, and we were staying there,
Speaker 11: thank God, and that got us through it. I stayed
Speaker 11: in there and well I still have that house active
Speaker 11: yet I have both of them going.
Speaker 1: Is that going to be for sale soon?
Speaker 11: No? I was just renting. This is here we go.
Speaker 11: Another friend of mine, he helped me out, and his
Speaker 11: mother and father passed away. The house was empty, so
Speaker 11: we went in and remodeled that moved in.
Speaker 1: Okay, it's good. That's very good man, it's all. It's
Speaker 1: all working out. Although you really had to. You had to.
Speaker 1: You're basically your dream home is triple what it was
Speaker 1: going to cost.
Speaker 11: You, without a doubt. And the codes have changed so
Speaker 11: much in the last few years. Like I have no
Speaker 11: problem with Larry McConney, they've been really great. But to
Speaker 11: give you an idea, our code up there and wind
Speaker 11: is one hundred and eighty mile an hours that I
Speaker 11: have to build. So the engineer when he engineered it,
Speaker 11: they always go at least twenty five percent over, so
Speaker 11: we're talking two to two hundred and twenty five mile
Speaker 11: an hour winds were good for but the cost of
Speaker 11: adhering to those policies is quite expensive.
Speaker 1: I get what you mean, man, So thank you so
Speaker 1: much for being on Bob and Man, I'll pray for you.
Speaker 1: I mean, you know the worst is gone but are over,
Speaker 1: but you got a lot of head do you thank you?
Speaker 1: Mister green Jeans. By the way, on the referra list
Speaker 1: Referralist dot com three O three four two six forty
Speaker 1: nine forty five, go with a sure thing Denver's best
Speaker 1: roofer Excel Roofing dot com.
Speaker 14: You don't pay a cent until you're content.
Speaker 1: Time for an insurance check up free no obligation comparison
Speaker 1: call Compass Insurance paying too much your coverage at dozens
Speaker 1: of insurance companies find out Now three oh three seven
Speaker 1: to seven to one. Help. You'll think you're his only
Speaker 1: customer when you choose Frank durand the real estate Man
Speaker 1: dot com to list your home with Remax Alliance three
Speaker 1: oh three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 1: your troubleshooter three O three seven one three talk three
Speaker 1: O three seven one three eight two five five. Let
Speaker 1: me get to the phones here, all right. So Christina
Speaker 1: has a problem with a payroll company, and then we
Speaker 1: have a dome light issue. Hang on, Sean, because Kevin,
Speaker 1: they do eellectual issues. Christina, what's going on?
Speaker 8: Hai?
Speaker 19: Tom, Hi, what's happening? Thanks?
Speaker 13: Taking well.
Speaker 19: So I actually got fired on the Auto Industry Division,
Speaker 19: which is a division within the Apartment of Revenue, to
Speaker 19: make sure I had a hand in making sure people
Speaker 19: that are selling vehicles are you know, doing what they're
Speaker 19: supposed to do. Yeah, long story, shore, I have a
Speaker 19: I did that because I have a garnishment for a
Speaker 19: vehicle that I had back in twenty eighteen, taking full
Speaker 19: responsibility for it.
Speaker 8: Okay.
Speaker 19: I got a notification of this garnishment back in January
Speaker 19: of twenty twenty four per DPA Central Payroll, which is
Speaker 19: also another division within the Department of Revenue. I was
Speaker 19: told they had to renew it. The creditor had to
Speaker 19: renew it every six months. Okay. They continued to take
Speaker 19: money out of my checks, and a very significant amount
Speaker 19: from January until.
Speaker 1: But you acknowledge it, you acknowledge you owe it. Right.
Speaker 19: I had a disagreement with the owner of the dealership.
Speaker 19: But I it took full accountability, and I'm not gonna
Speaker 19: I'm not going to run from it. I'm not going
Speaker 19: to fight it.
Speaker 1: Yes, okay, But in other words, then, so what harm
Speaker 1: was it then with them taking money out?
Speaker 19: No, this is where the discrepancy is. Okay, every six
Speaker 19: months they're supposed to renew this garnishment supposedly, Okay, one
Speaker 19: hundred and eighty two days.
Speaker 1: It's good for No, I get it.
Speaker 19: I got a regular paycheck in December, as if the
Speaker 19: garnishment was over, which to my understanding, it should have
Speaker 19: been at that point.
Speaker 1: Well, it should have been temporary. Let me get it straight.
Speaker 1: It should have been over temporarily until they renew it.
Speaker 19: And it wasn't.
Speaker 1: I get it. But okay, I'm not trying to trick
Speaker 1: you or nor am I saying they shouldn't get it renewed.
Speaker 1: But what difference did it make? I mean, technically, if
Speaker 1: they didn't get it renewed, if it was still going
Speaker 1: toward a debt that you truly owed.
Speaker 19: My issue is is they stopped the garnishment in December.
Speaker 19: I got regular paycheck. I got it without notifying me.
Speaker 19: Of a resubmitdle of the garnishment, they started taking money
Speaker 19: out again.
Speaker 1: I can't no, I get that.
Speaker 19: Yeahup the company and I'm just asking for documentation from
Speaker 19: Sure payroll. They're saying the gal that has it no
Speaker 19: longer works there and they can't provide it for me.
Speaker 14: But christ how much.
Speaker 1: More do you go? I got to jump in, Really,
Speaker 1: how much more? Understanding?
Speaker 6: Is if they don't renew the garnishment in six months?
Speaker 6: I mean pretty much they're no longer able to take
Speaker 6: money out or or the whole thing could go away.
Speaker 1: Really, Mark, are you sure? Well, let's get Frank ball on. Yeah,
Speaker 1: that's what we need to do. We need to get
Speaker 1: a really good collection attorney. Christine. I just want to ask.
Speaker 1: There's something called substance over form, and either one can
Speaker 1: win out depending on the situation. So what Mark is saying,
Speaker 1: is it possible that's a substance would change the form.
Speaker 1: In many cases, the form doesn't change the substance. So
Speaker 1: that's what we have to figure out.
Speaker 6: Well, well, I don't think it's going to change the outcome.
Speaker 6: Time to be to be straight, what I'm saying is
Speaker 6: they might have to go through and reinitiate restart the
Speaker 6: garnishment again.
Speaker 1: I understand that. But what I'm getting at is this
Speaker 1: is that there's no harm if they didn't renew it
Speaker 1: and they kept taking money, if the money was properly
Speaker 1: applied to money that she legally owes. It's even though
Speaker 1: I agree that they would have had.
Speaker 19: To go through more more money after they stopped.
Speaker 1: Okay, now, how did they Well, here's what I want
Speaker 1: to know. How are they figuring the amount to take?
Speaker 19: What she's telling me, she doesn't have the paperwork that
Speaker 19: was resubmitted to the original creditor, So I don't know
Speaker 19: where they're coming up with this balance.
Speaker 1: And when you say, when you say them, you're job. Okay,
Speaker 1: now I get it, Christine, I get it. Who are
Speaker 1: we talking about, by the way, that is garnishing you
Speaker 1: that you're talking to that says we don't have the paperwork.
Speaker 19: You're talking about DPA Central Payroll.
Speaker 1: So you're not talking even to the creditor. You're talking
Speaker 1: to your employer. Correct.
Speaker 19: The creditor won't reach won't respond to.
Speaker 1: Me, So you're you're asking your employer, why did you
Speaker 1: continue to let them garnish?
Speaker 19: Well, no, not my employer It gets a little tricky
Speaker 19: because there's about fourteen divisions.
Speaker 1: But they are they are your employer. I know, I
Speaker 1: know they They're a representative of your employer. They're not
Speaker 1: some strange.
Speaker 19: Someone that authorize this money to be taken out.
Speaker 1: Yes, but they're part of your employment. It's not something
Speaker 1: nameless place out in nowhere land. Okay, So these people
Speaker 1: your employer, can't you.
Speaker 19: And I apologize?
Speaker 1: I please one thing, Christine, your employee.
Speaker 14: I want to get a picture that's accurate.
Speaker 1: Just please let me finish. Your employer continued to garnish
Speaker 1: even when it was not renewed. They discontinued it for
Speaker 1: a while, then restarted it without notice. I get all
Speaker 1: of that. What I want to know is the creditor
Speaker 1: itself will not talk to you.
Speaker 19: Until the balance is paid. What they said, well, that
Speaker 19: is okay.
Speaker 1: So and the creditor. Has it been sold to a
Speaker 1: new creditor or is it the same old dealership?
Speaker 19: Oh no, it's been sold to a law firm that's
Speaker 19: a third party collection agency.
Speaker 1: Okay, it has been sold or assigned for collection?
Speaker 19: Do you know, I'm not certainly?
Speaker 1: Okay, So how much is the balance? Do you know
Speaker 1: what the balance is I do?
Speaker 19: What's the balance is eleven sixty five?
Speaker 6: Eleven thousand, eleven thirty eight three one thousand, No, no, no,
Speaker 6: eleven hundred.
Speaker 1: The whole balance of what you owe is only eleven
Speaker 1: all together.
Speaker 19: I'm sorry, I'm sorry. The balance all together would with
Speaker 19: seventy five hundred.
Speaker 1: What is it now?
Speaker 19: According to them? Eleven thirty one?
Speaker 1: Okay, so you and I don't mean only but you
Speaker 1: only owe of the original debt about eleven hundred dollars.
Speaker 7: According to them, according to who's them, according to DPA
Speaker 7: Central payroll, according to.
Speaker 1: According to your employer, you only owe eleven hundred bucks,
Speaker 1: and then you're paid off. You there could be a
Speaker 1: big I understand everything she's saying.
Speaker 6: The problem is the debt didn't go away. I want
Speaker 6: to ask the attorney, Frank Ball. But what I'm thinking
Speaker 6: is they weren't allowed to take after six months, and
Speaker 6: they did.
Speaker 1: I understand your frustrated without renewing.
Speaker 6: But if they refile now to get a new garnishment,
Speaker 6: you might actually be screwing yourself because you're going to
Speaker 6: have more attorneys fees.
Speaker 1: Well, here's what.
Speaker 19: They already did. That's what they did without notifying me.
Speaker 6: Well, there's more attorneys fees involved in collecting then, but
Speaker 6: they're allowed.
Speaker 1: They're allowed to do that. They're allowed to charge for renewal.
Speaker 1: They're allowed okay, whether they renew or not. If they
Speaker 1: renew and it cost them two thousand dollars with an
Speaker 1: attorney to do it, they're allowed to tack that on.
Speaker 1: Reasonable attorney's fees and interest are allowed. Okay, that's with
Speaker 1: every judgment. So therefore I don't wanted to quibble with
Speaker 1: that right now. The good news I feel is if
Speaker 1: she owes another eleven hundred bucks, okay, how many more
Speaker 1: garnishments would that be?
Speaker 19: That's it's only three more pay checks.
Speaker 1: So then let me ask you this. Let me ask
Speaker 1: you this, What is your goal? Tell me what your
Speaker 1: goal is right now?
Speaker 19: My goal is to get answers, and my goal is
Speaker 19: to figure out where the paperwork is that she's saying
Speaker 19: was submitted when it was supposed to be submitted.
Speaker 1: Let's say this.
Speaker 19: I'm not trying to get no.
Speaker 1: I know you say you're not getting out of paying it,
Speaker 1: but let's just say this. Let's say that you don't
Speaker 1: get the answers you want or the paperwork. So I'm
Speaker 1: just curious now, and now I'm not trying to play tricks.
Speaker 1: I'm asking how would that change what you owe the
Speaker 1: additional attorney's phase.
Speaker 19: That's why I want to see the paperwork, because according
Speaker 19: to the original documentation, it should have been over in December.
Speaker 13: Okay, they stopt it.
Speaker 1: Okay, okay, get it. So you want to know, you
Speaker 1: want to know it should have been over now, but
Speaker 1: you keep saying it should have been over. It should
Speaker 1: have been over because it was. I'm going to ask you, Christine,
Speaker 1: let me ask the question. You said it should have
Speaker 1: been over in December because by your calculations, the full
Speaker 1: debt would have been paid, or it should have been
Speaker 1: over in December because they did not renew it.
Speaker 19: It should have been over in December because the balance
Speaker 19: would have been paid.
Speaker 1: Got it? Got it? Then you have a reason to
Speaker 1: be concerned if they're miscalculating and if they on purpose
Speaker 1: tacked on morphees. So now we got to figure out
Speaker 1: though through Now Frank Ball would be the one we
Speaker 1: call and we ask him how you get access to
Speaker 1: those records?
Speaker 10: Frank is actually unavailable.
Speaker 1: Can we get her on tomorrow morning? I mean on
Speaker 1: Monday morning?
Speaker 10: Yeah, I can try to listen.
Speaker 1: I understand you now, Christina, So you're wondering, Wait a minute,
Speaker 1: it was done, I paid everything. Why am I paying again?
Speaker 1: Got it correct? But I like just a math question.
Speaker 1: I mean the math equal equals or not? Yeah? But
Speaker 1: should they pop on this attorney's fee if they never
Speaker 1: really renewed it? I mean, yeah, these are she has
Speaker 1: legit questions.
Speaker 7: Be able to tell how many how much money was
Speaker 7: taken out of each paycheck and see what that adds
Speaker 7: up to.
Speaker 8: It's just simple.
Speaker 1: Men did and she thought it was done in December.
Speaker 1: Great then, and now they're saying no, she owes some
Speaker 1: more money. She wants to know why, and I would
Speaker 1: want to know too. I would want to know two.
Speaker 1: So hold on and let's give this to UH Deputy
Speaker 1: Bow to follow up with her and UH Frank Baull,
Speaker 1: the attorney go with a sure thing Denver's Best roofer
Speaker 1: Excel roofing dot com. You don't pay a cent until
Speaker 1: you're content. Time for an insurance checkup free, no obligation.
Speaker 1: In comparison, call Compass Insurance paying too much your coverage
Speaker 1: at dozens of insurance companies find out now three oh
Speaker 1: three seven to seven to one. Help. You'll think you're
Speaker 1: his only customer when you choose Frank durand the real
Speaker 1: estate man dot com to list your home with Remax
Speaker 1: Alliance three oh three nine two zero sixteen twenty two. Yeah,
Speaker 1: Hi Tom Martinez here three h three seven one three
Speaker 1: talk seven one three two five five Sean, Uh a
Speaker 1: dome light in a twenty fourteen Ford Explorer. Man, it
Speaker 1: doesn't sound like it could be hard to figure out
Speaker 1: what's going on.
Speaker 2: Sean.
Speaker 20: Sing my call, Yes, sir, Yeah, it's just it's uh,
Speaker 20: it's my wife's car. It's it's it's into the broade
Speaker 20: all the time now, but it's a it's it's it's
Speaker 20: just won't shut off the dome light when the door shuts,
Speaker 20: it's staying on. You turn the lever and it won't
Speaker 20: shut off there either, So we just kind of lived
Speaker 20: with it being ov that would it's sitting in.
Speaker 14: The mill, hold on, what what what do you do?
Speaker 15: So?
Speaker 1: What do you do to keep the battery from dying?
Speaker 20: That's just been it. It's her second car now because
Speaker 20: it's paid off.
Speaker 1: But did you ever did you ever think about pulling
Speaker 1: the breaker for that little light.
Speaker 20: That's what I was wondering. But you know, I'm just
Speaker 20: doing something like that and pulling the ball about.
Speaker 1: Well what do you do do you normally? Normally does
Speaker 1: it just sit there with the light on? Yeah, and
Speaker 1: then how often does that kill the battery?
Speaker 20: It's only done at once?
Speaker 1: That ain't That ain't a good thing. Yeah, that's not
Speaker 1: good though, just like keep it draining.
Speaker 2: Did you try checking all the doors because any one
Speaker 2: of the doors can make the dome leight come on?
Speaker 2: You know, make sure they're all closed.
Speaker 20: Yeah, yeah, we whether they're fully closed, and and the knob.
Speaker 2: What do you think, Kevin, Well, you gotta determine which
Speaker 2: door it is, but it's probably a door switch. The
Speaker 2: door switch is built into the door latch on those,
Speaker 2: so you just replace the door latch. You'll probably take
Speaker 2: care of it.
Speaker 1: You think that's what it is to.
Speaker 2: Determine what door it is? Yeah, yeah, it's not hard.
Speaker 2: You know, you're probably forger.
Speaker 20: What's strange about it is it's like there's three don't
Speaker 20: there's three lights on? There's the front line. Try over
Speaker 20: the front juicy yep, and that goes out. This is
Speaker 20: one that's like.
Speaker 1: Yeah, why would one of them stay on? Huh, why
Speaker 1: would one of them stay on? That's weird.
Speaker 2: It could be the switch in the light itself. It's
Speaker 2: just not functioning right because you can switch it on manually.
Speaker 1: But temporarily doesn't each or each one of them.
Speaker 2: And it never goes off even while you're driving. It's
Speaker 2: just it's always on.
Speaker 11: Correct.
Speaker 6: Yeah, if you pull the ball out of curiosity, Kevin,
Speaker 6: does it not eat any power?
Speaker 2: No, that that's that completes the circuit. So yeah, if
Speaker 2: you just pull the ball.
Speaker 1: Out, yeah, it'll it'll it will not.
Speaker 2: It will not draw the battery down.
Speaker 1: No, that's what you got to do until you can
Speaker 1: get it into Kevin and then go to Costco. You
Speaker 1: can buy those little push button lights for six seven.
Speaker 2: Stick up light.
Speaker 20: Yeah, gosh, that's not that I was thinking about just
Speaker 20: pulling out, but I want to kind of keep that
Speaker 20: car and shaved, and it's like it's only got like
Speaker 20: a good two thousand mile money.
Speaker 1: Wow, it just happened all of a sudden.
Speaker 20: Yeah, yeah, it happened about six months ago.
Speaker 1: And you're suspecting the door switch.
Speaker 2: Typically typically it is the door switch.
Speaker 1: Yeah, right, those like little push buttons Cavin, so you
Speaker 1: could open all your doors used to be.
Speaker 2: Now they're built into the door mechanism itself. Oh yeah, no,
Speaker 2: the little free before. Oh yeah.
Speaker 1: How much are these micro switches in the door?
Speaker 2: Well you don't. You have to replace the whole latch,
Speaker 2: of course you do. Yeah, you can't just get a switch.
Speaker 1: How much is that?
Speaker 2: Probably two to three hundred bucks?
Speaker 1: Oh you poor souls?
Speaker 2: Costco costco.
Speaker 1: Yeah, yeah, pull the bolb, I mean, especially if you
Speaker 1: have other lights. God, okay, story real quick. Yeah.
Speaker 20: I just bought the TV a mess by what one
Speaker 20: hundred inches and they had the wrong delivery addresses by
Speaker 20: does down in the Springs.
Speaker 1: Did you say one hundred inch?
Speaker 12: Yeah?
Speaker 1: What are you talking about? One hundreds? Okay, keep going anyway.
Speaker 20: So, uh, it's say they want to reschedule to go
Speaker 20: to the right, correct address. So I give them my
Speaker 20: address in Denver, you know, and at the house that's
Speaker 20: been there sixty six and they're telling me they can't
Speaker 20: schedule it because that address has knocked.
Speaker 13: Come up with your system?
Speaker 1: Come on? Oh my god? Did you say I'll drop
Speaker 1: a pin? Yeah?
Speaker 20: I know, I just you know, I tried to reason why.
Speaker 20: I mean, you can google the address. It comes up.
Speaker 20: I've got some your systems. Well, there's nothing I can do,
Speaker 20: so I don't know. I got this about this TV.
Speaker 20: Maybe I'll just tell them this.
Speaker 1: Jamin God, that sucks. Or I can give you my address.
Speaker 1: I'm sure it's on there. I would glad. How much
Speaker 1: is it?
Speaker 20: By the way, it's a about seven thousand with the taxi.
Speaker 1: And everything, because you can buy right now, literally a
Speaker 1: fifty five inch Is that considered small nowadays? A fifty five.
Speaker 2: Inches that's undersized? Yeah it is.
Speaker 1: Jeez, okay, you can buy them for five hundred bucks
Speaker 1: right now at Microsoft.
Speaker 20: Are like eighties Simpsons for twenty five hundred.
Speaker 1: Yeah, that's I don't know. You go over nowadays, with
Speaker 1: the technology and how it's changing for me, you go
Speaker 1: over one thousand bucks anymore. I wouldn't go over fifteen
Speaker 1: hundred on these TVs and right now because they're all
Speaker 1: gonna come down entyce. Yeah, anyway, I guess that's the
Speaker 1: way everything is. Three h three seven one three eight
Speaker 1: two five pace. But Greg, hang on, I promise you
Speaker 1: you're next. Go ahead, sir. What's going on? Greg?
Speaker 2: All right?
Speaker 1: Tom?
Speaker 11: You were talking about antioxidant or not.
Speaker 1: Antioxidy anti inflammatory?
Speaker 5: Yeah, and I was wondering what you do to help
Speaker 5: control that.
Speaker 1: Okay, I have supplements that I use, but and they're
Speaker 1: all kinds. You know. It really has to do with
Speaker 1: what will work with you, because if you have certain issues,
Speaker 1: you can't take certain ones. And I hate you know,
Speaker 1: but anti inflammatory supplements are all over the place, all
Speaker 1: over the place, and it's really something that it is
Speaker 1: something that really is easy to find, is what I'm
Speaker 1: going to say. All you have to do is look
Speaker 1: on it. You can look on Amazon, you can look
Speaker 1: on ask your doctor if you have a doctor that's hip.
Speaker 1: Some doctors aren't. They're all into medicines. Now I'm not
Speaker 1: talking about drugs, you know. I'm not like talking like,
Speaker 1: for example, Omega threes. Fish oil automatically anti and it's
Speaker 1: a good nutrient. You need it, so I take fish
Speaker 1: oil at night. A lot of people like turmeric or
Speaker 1: the Kirkumen okay, ginger and their supplements for that, green
Speaker 1: tea extract, reservatol, corstin, romeolin. I just did a quick
Speaker 1: assessment here on AI, vitamin D, magnesium. These are all
Speaker 1: anti inflammatories, so everyone needs these anyway, if you have
Speaker 1: a good multi it's never hurts to take extra omega threes.
Speaker 1: That's where I'd start omega threes. And then however you
Speaker 1: can tolerate, you might want to take some turmeric, or
Speaker 1: you may want to go to green tea extract. A
Speaker 1: lot of people love probiotics. Some people say they don't
Speaker 1: like it, but they do it and anyway, stuff like that.
Speaker 1: Zinc has some anti inflammatory properties, but you never want
Speaker 1: to depend on one. You should have a well regimented,
Speaker 1: well rounded approach.
Speaker 13: Excellent, thank you.
Speaker 1: And uh yeah, and you know I'm going to tell
Speaker 1: you something that may sound silly, but it's not AI.
Speaker 1: You know what I actually did with AI. I just
Speaker 1: did some experimenting and I uploaded my blood work to
Speaker 1: it my results, and said, tell me how these supplements
Speaker 1: that I'm taking will interplay with this type of blood
Speaker 1: And it actually gave me down right specifics. You don't
Speaker 1: need this. This you could increase this would help this
Speaker 1: this high thing come lower or this low thing come higher. God,
Speaker 1: it is amazing to me. Now, obviously I have a
Speaker 1: doctor I see, as you know, you know, I have
Speaker 1: a concierge that I see. But look, be we do
Speaker 1: what we can, right, We just do what we can.
Speaker 1: That doesn't mean. You know that doesn't mean you're You're
Speaker 1: not a member of the lottery on Earth, right, So anyway,
Speaker 1: three oh three seven one three eight two I want
Speaker 1: you to call three oh three Martino, I mean, and
Speaker 1: leave a message and we will go back to you
Speaker 1: three oh three six two seven eight four sixty six.
Speaker 1: And remember uh referral lists dot com for help information
Speaker 1: and referrals, and save all your problems for me.