Speaker 1: Yeah, ripped off. You don't need advice. Who you don't
Speaker 1: have to.
Speaker 2: Come running just as fast as we can. Shooter's gonna help.
Speaker 3: Me, come man Dix. He is the Troubleshooter Show. No
Speaker 3: tell Martino.
Speaker 4: Hey, lo, I'm Martino here, welcome to the show. We
Speaker 4: are here, of course, to solve your problems, answer your questions,
Speaker 4: take your complaints, make your life a little easier.
Speaker 1: Hey, do you know what this is? Of course you do,
Speaker 1: all right? You just get pulled over, sir, License and registration? Please?
Speaker 1: Do you know why I pulled you over?
Speaker 5: Now?
Speaker 4: Does that sound like a good question? Because Colorado's looking
Speaker 4: to outlaw it.
Speaker 1: Did you know that?
Speaker 4: So there's a bill being proposed that would prevent officers
Speaker 4: from even asking why.
Speaker 1: Did we pull you over? Do you know why I'm
Speaker 1: pulling you over?
Speaker 4: The bill introduced by the Colorado legislator says, no, we
Speaker 4: don't want officers to ask that.
Speaker 1: Do you know why? Because it incriminates people and let's
Speaker 1: use the other word, it's racist. I have no idea why.
Speaker 4: But look, I have learned one thing, no, two things.
Speaker 4: Everything in the world can be blamed on one racism,
Speaker 4: two climate change. Oh, let's add a third Trump, Mark,
Speaker 4: Do you think that covers all of them?
Speaker 1: Not anymore? But I agree with you. Yes, Okay, Now
Speaker 1: I got some texts.
Speaker 4: I always get mean text about Mark, and so I
Speaker 4: like reading them. And it's always and it is to market.
Speaker 4: They don't say Tom, they don't say lovely Tom.
Speaker 1: They say and one guy call you Mark Minor. Yeah.
Speaker 4: So it says Trump took off as a four percent
Speaker 4: unemployment rate, historically low and the strongest economy in the
Speaker 4: world's strongest stock market.
Speaker 1: Within two months, he's destroyed it. What say you, Mark?
Speaker 1: What say me?
Speaker 6: Is the economy is looking super spectacular, magnificent, the best
Speaker 6: economy ever. In fact, in fact, we just had a
Speaker 6: number come out today. Do you know what that was?
Speaker 6: Inflation came in lower than expected.
Speaker 4: Thank you, Oh you're right, No, you're right, actually, yeah, right.
Speaker 4: I want to talk to Pat Jolliffe, my partner over
Speaker 4: at Wave eight Wealth Management, for just a quick comment
Speaker 4: on the stock market economy. We sent out a letter
Speaker 4: to our investors and we wanted to let them know
Speaker 4: we have our pulse on it because really, with volatility,
Speaker 4: sometimes there's nothing you can do.
Speaker 3: Now.
Speaker 4: One thing you should never do, ever, ever, ever is
Speaker 4: run for cover. Well, no, excuse me, it's all right
Speaker 4: to run for cover. You should never exit and sell
Speaker 4: with losses. I mean people that panic like that. In fact,
Speaker 4: what was it that Warren Buffett famously said, do you
Speaker 4: remember the quote?
Speaker 1: Pat said, when others are carrying your fear? I don't know,
Speaker 1: old or something, be cautious. Can we hear Pat? I
Speaker 1: don't hear him. Can you bring him up?
Speaker 4: I can't hear him. Fine, okay, Oh well I don't know.
Speaker 4: Oh okay, my earpiece came out. Sorry, I got to
Speaker 4: fix my ear.
Speaker 1: What I like you to comment on.
Speaker 4: I know that a lot of people have a tendency
Speaker 4: to exit. I'm sorry, there we go a lot of
Speaker 4: people have a tendency to exit.
Speaker 1: When things are looking bad. What does that do, Pat?
Speaker 4: That cements your losses, doesn't it?
Speaker 7: It does?
Speaker 4: I mean, ye, there's there's absolutely nothing to secure your
Speaker 4: loss better than just selling out a loss.
Speaker 1: Now, well, go ahead of Mark.
Speaker 4: Me.
Speaker 1: Mark. Oh, I thought you were saying something. Mark. I'm sorry,
Speaker 1: I know you're saying so.
Speaker 6: I do want to throw something in real quick and
Speaker 6: then let's let Pat talk. But you know, people I
Speaker 6: think tend to forget with the tariff talk and the
Speaker 6: tariff's going in place. We're the largest marketplace in the world.
Speaker 6: We're basically the most successful, richest marketplace in the world.
Speaker 6: So to think that other companies aren't going to play
Speaker 6: ball and make things fair when we sell into other
Speaker 6: markets and they still want to sell into.
Speaker 1: Theirs is ridiculous.
Speaker 6: We're going to go through some bumpy times, but to
Speaker 6: think someone's not going to sell in to the largest
Speaker 6: flea market in the world, you're just insane.
Speaker 1: And I agree with that market war.
Speaker 8: You know, it's essential that the US is growing and
Speaker 8: operating and existing. I mean, the others cannot exist without
Speaker 8: the United States of America. And so to your point exactly,
Speaker 8: people will rally. This is a negotiating tool, right that
Speaker 8: tribes are excuse me, that Trump's playing and it has
Speaker 8: a lot to do with non economic issues and drum trafficking,
Speaker 8: those kinds of things. So going to come around and plane,
Speaker 8: I think we'll start to see that be reflected in
Speaker 8: the market as well.
Speaker 4: Okay, so pat people do a number of things. Either
Speaker 4: they sell off, take losses, and I don't know what
Speaker 4: happens to those people they sell off and take losses.
Speaker 1: Then you have other.
Speaker 4: People that go to cash and just wait, and then
Speaker 4: you have other people who sit and just actually some
Speaker 4: seize opportunities.
Speaker 1: What camp are you in, Well.
Speaker 8: I think it makes sense to adjust the portfolio when
Speaker 8: you've got molatility, if you're not already positioned well for
Speaker 8: molatility when it's going on. One thing that people don't
Speaker 8: realize I think is that a lot of the institutional funds,
Speaker 8: and particularly the pension funds, will will park the cash
Speaker 8: or go to conservative investments for a period of time.
Speaker 8: But these are like large defined benefit pension plans right
Speaker 8: that the government has and many municipalities and different states
Speaker 8: and things like that, and they know what those future
Speaker 8: liabilities are and they have to be able to.
Speaker 5: Pay for them.
Speaker 8: As a matter of fact, they continue to pay for
Speaker 8: them and their dollar cost averaging and reverse if they're
Speaker 8: making pension payments out when the market's going down. So
Speaker 8: they might go to reserve cash for a while, but
Speaker 8: in order to maintain those future liabilities, they have to
Speaker 8: put the money back in the market. It's the only
Speaker 8: asset class marketplace that is going to allow them to
Speaker 8: keep pace with the future liabilities that are known quantities.
Speaker 8: And so you definitely like to vote.
Speaker 1: Every every major fund in the world.
Speaker 4: Every major fund in the world is in the stock market,
Speaker 4: like it or not, every major fund in the entire world.
Speaker 4: That includes retirement funds, pension funds, everything. Okay, Now that
Speaker 4: doesn't mean to say there's not other investments. But right now,
Speaker 4: ninety nine percent of all money is held in the
Speaker 4: stock market when it comes to investing, not in annuities,
Speaker 4: and not in offshore things, and not in real estate.
Speaker 4: And I'm not saying those are bad investments. There's a
Speaker 4: time and a place for every investment. I've said it before.
Speaker 4: So when there's a big influx to cash, meaning a
Speaker 4: sell off, and they go into cash, they're they're sitting
Speaker 4: there in cash. They haven't pulled the money out of
Speaker 4: schwab or out of a trading house. They's sitting in cash.
Speaker 4: What does that mean when they say sitting in cash
Speaker 4: as a defensive move, what does that actually mean?
Speaker 1: I love doing finance for dummies. What does that mean?
Speaker 8: Well, it can mean that they're just putting it in
Speaker 8: the bank where the yields are exactly exactly at okay,
Speaker 8: or they might put it in a money market accountant,
Speaker 8: you know, or something that a short term bank notes
Speaker 8: under think of that nature which we've used, or the
Speaker 8: yields are definitely better. And we've been in an environment
Speaker 8: historically where yields have been good on cash obviously in
Speaker 8: fixed income instruments. Now you know to see those come
Speaker 8: down with the quantic data using and so on. So
Speaker 8: that's that's also going to be a fact.
Speaker 1: Okay.
Speaker 4: Now when people go to cash, they come back out
Speaker 4: of cash. That flow has to take place or the
Speaker 4: country doesn't exist. So it goes out of cash to
Speaker 4: cash out cash to cash out cash too cash. Okay,
Speaker 4: So what happens now when they come back into cash,
Speaker 4: you have opportunity before that, not after that. That's what
Speaker 4: people People are always running after the big money.
Speaker 1: And that is like, isn't it truly? Isn't that what
Speaker 1: Buffett preaches against?
Speaker 8: Absolutely, the market's having a sale. And I have these
Speaker 8: conversations with four to one cap that has spends a lot,
Speaker 8: who for some odd reason want to run the cash
Speaker 8: from the volatility spikes and the market's having a sale.
Speaker 8: And what I say is think of the four to
Speaker 8: one k as a buying machine, not a balance machine.
Speaker 8: My goodness, if things are cheaper in the market, and
Speaker 8: you're buying at a consistent level dollar cost averaging into
Speaker 8: the market every paycheck. Keep doing that or double down
Speaker 8: on it, because you're buying shares at a discount. When
Speaker 8: the water comes back in, you're going to reap.
Speaker 5: The benefit that much more. So. It's you know, I
Speaker 5: don't know why, but.
Speaker 8: Everybody seems to get that premise when you're out buying
Speaker 8: clothes or food or anything else. But you flip it
Speaker 8: into the market and suddenly it just doesn't seem to
Speaker 8: make sense anymore.
Speaker 4: Well, it's just with HVAC. They do it pat two.
Speaker 4: When it's extra hot, they'll buy the brand new conditioner.
Speaker 4: That's when they think about it. They could buy one
Speaker 4: right now for a song, but instead they'll pay a third,
Speaker 4: well not necessarily a third, but twenty percent higher, twenty
Speaker 4: five percent higher, waiting until it's really, really, really hot.
Speaker 1: Same with furnaces, same with anything. Now.
Speaker 4: I don't know about cars and the best time mark.
Speaker 4: What have you found the best time to buy cars?
Speaker 4: You do a lot more car buyer than I did.
Speaker 1: It's what are you possible to me?
Speaker 6: It's impossible to say now, But I wanted to say
Speaker 6: two things. One my idea of cash would always be
Speaker 6: at least like a Schwab value advantage fund, something that's
Speaker 6: pulling at least five percent a year. And you know,
Speaker 6: to me, that's about as close to cash as you
Speaker 6: can get. It takes twenty four hours to liquidate. But
Speaker 6: I'm in I'm in the school of your camp number three,
Speaker 6: meaning I see a buying opportunity. I basically I sold
Speaker 6: a bunch of that Schwab value advantage two days ago
Speaker 6: and went to a literal cash position to where I'm
Speaker 6: gonna buy it of something I don't know what yet.
Speaker 6: I feel like I'm in the mall on Black Friday.
Speaker 6: I just don't know what it is yet, but I'm
Speaker 6: gonna get really deep into something quick.
Speaker 1: So I think I think I'm ringing.
Speaker 4: I gotta I don't know our race a starry guys,
Speaker 4: I know anyway, So let me put it this way, then, Mark,
Speaker 4: do you need help with the financial advisement?
Speaker 1: No, he doesn't.
Speaker 4: Mark is one of those streaks of nature you don't
Speaker 4: want to mess with, you know, Pat, We don't even
Speaker 4: mess with people like him because you know what, they
Speaker 4: got it down.
Speaker 1: They say I'd like it, I'd like.
Speaker 6: Pats I'd like both of yours general information on something.
Speaker 6: Walmart's down almost thirteen percent.
Speaker 1: You know they got it.
Speaker 6: They pay a little bit of money to hold onto
Speaker 6: their stock. But honestly, if things do get higher and
Speaker 6: tariffs really do affect bottom line goods, the discounter, the
Speaker 6: largest in the world, always seems to be the only
Speaker 6: stock that trades against everything else, Target, Kroger, when they're
Speaker 6: all down, Walmart's up.
Speaker 1: I see it. It's a no brainer right now. I
Speaker 1: just don't know where the bottom is. You're right, but you.
Speaker 4: Don't have to search the bottom, just like you don't
Speaker 4: have to search the top. Good dollar cost averaging a work.
Speaker 4: But the thing about Walmart mark that I've noticed and
Speaker 4: why there's such a good investment. Walmart is one of
Speaker 4: the few corporations willing, literally willing to cut into profits
Speaker 4: and sacrifice for their customers. And that's not BS by
Speaker 4: the way, it's amazing they are willing to do that.
Speaker 4: Very few companies are willing to do that.
Speaker 1: Now. I will say Amazon eats a little of extra
Speaker 1: cost too. Amazon's pretty good. Apple will never do it.
Speaker 4: I mean, if they're if they breathe and use too
Speaker 4: much toilet paper, it's going back on the iPhone. I mean,
Speaker 4: it's like there are some companies though that that sacrifice
Speaker 4: there's not a better word for it, or they bear
Speaker 4: and grunt or whatever, but Walmart is one of those.
Speaker 4: By the way, I want to tell hell everyone, we're
Speaker 4: doing a regular consumer show, but the economy is utmost important,
Speaker 4: and I want to know what you guys are thinking.
Speaker 4: And these tariffs are gonna Look, we're going to go
Speaker 4: through a little pain until the world knows we're not
Speaker 4: going to be taken advantage of anymore.
Speaker 1: And that's what's really going to count. Three oh three
Speaker 1: seven one three tad Man Tit for tad is the
Speaker 1: fairest thing out there. You want to charge us.
Speaker 6: To sell our uh, you know, sell our vehicles in
Speaker 6: Germany or Europe or China or South Korea, and you
Speaker 6: want to charge us twenty five fifty percent, same goes
Speaker 6: for you.
Speaker 1: Now here's the other thing.
Speaker 4: If you have a consumer problem, question or complaint or
Speaker 4: just something you want to get off your chest, or
Speaker 4: maybe you're starting a company, we'll give you a plug.
Speaker 4: Tell us what you do. We always we used to
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Speaker 4: three oh three nine two zero sixteen twenty two. Hi
Speaker 4: Tom Artino here three O three seven one three talk
Speaker 4: seven one three eight two five five. Let's go back
Speaker 4: to the phones and hey, listen, you know a lot
Speaker 4: of people have a lot to say about the pullover bill.
Speaker 4: When I mentioned it, I kind of now after reading
Speaker 4: just the show, I have an open mind, nothing like Mark.
Speaker 4: I have a wide open mind, and uh I will
Speaker 4: take other people's opinions here. So the bill that would
Speaker 4: prevent police from asking do you know why I pulled
Speaker 4: you over? Is actually a good idea. Here's why when
Speaker 4: they say do you know why? I pulled you over.
Speaker 4: They haven't given you Miranda rights or anything. They just
Speaker 4: asked you a question that could incriminate you.
Speaker 1: You could say, well, I.
Speaker 4: Know I was going a few miles over the limit,
Speaker 4: or I only had three drinks tonight, I'm not sure,
Speaker 4: or you know, I'm just kidding. But there could be
Speaker 4: something that incriminates you. Yet you haven't been Mian mirandaized.
Speaker 4: And that's where they say you write comic sil and
Speaker 4: blah blah blah. So actually that's not a bad idea.
Speaker 4: I joke sometimes on some of these bills and laws
Speaker 4: in Colorado, but I think that's a good one. I
Speaker 4: really do, because police can be tricky, and I don't
Speaker 4: mind it. But here's the other thing, the only thing
Speaker 4: I hate. Why do they have to why why why
Speaker 4: why why? Why why why why why why why do
Speaker 4: they always have to bring up race?
Speaker 1: Why? Why is everything because of racism? I can't even.
Speaker 4: Believe when they decriminalize car theft and you had to
Speaker 4: you had I don't know if they reverse that again
Speaker 4: or not, but you had to steal so many cars
Speaker 4: before it became a felony, and they said that was
Speaker 4: because it was racist or or you name something else.
Speaker 4: And what they're really said, this is what they're really
Speaker 4: saying with some of these bills, they're saying, blacks do
Speaker 4: some blacks commit crimes way more than white people, so
Speaker 4: we have to protect them.
Speaker 1: I mean, honest to God, that's how they put it.
Speaker 4: When it comes to something that they want to get
Speaker 4: through that's easier on people who get arrested or commit crimes,
Speaker 4: they say it's because it's racist. So what they're saying is, hello,
Speaker 4: black people, we know you com crime and you're you know,
Speaker 4: you do more naughty things, so we're gonna protect you.
Speaker 4: We're gonna raise the bar a bit, the level, the threshold,
Speaker 4: so you're not picked and nicked for everything you do.
Speaker 4: Isn't that what people are saying I mean, or they
Speaker 4: say math is racist Math okay, why they're saying, well,
Speaker 4: blactually can't keep up with us, so we're going to
Speaker 4: lower it a little and we're going to make math.
Speaker 1: So it's not racist. If I was a black person,
Speaker 1: honest to God, I would be so pissed, so pissed
Speaker 1: at this society. I wouldn't feel protected. I wouldn't feel
Speaker 1: protected anyway.
Speaker 4: Getting back to the economy, which is a really important topic.
Speaker 4: T bills are at about four and a quarter percent.
Speaker 4: But what Mark talked about was the Schwab account where
Speaker 4: they pay. They really do pay well and Pat during
Speaker 4: this time of tumultuous let's say, or I don't know
Speaker 4: if it's tumultuous times.
Speaker 1: Or volatility is a good word. People don't know what
Speaker 1: that means.
Speaker 4: Volatility really means up and down, up and down sometimes
Speaker 4: though it's just down down recession.
Speaker 1: Have any fears of that, Pat.
Speaker 8: I don't think so, Tom. I mean, the broaday indicators
Speaker 8: are so strong that I think it's more headline risks
Speaker 8: that we're enduring right now with all of the tariffs
Speaker 8: stuff that's going on. Fundamentals are just just too strong
Speaker 8: to really point towards the research at this point.
Speaker 4: And these indicators that we have, that the concurrent indicators
Speaker 4: what's called policy or government or things like that. What
Speaker 4: that means is it's a knee your quick reaction. It's
Speaker 4: not long term, especially if the fundamentals are there. Because
Speaker 4: if people are fearing losing and they don't lose, or
Speaker 4: they fear price increase and they don't get what they fear,
Speaker 4: you know, all of a sudden, those fears are quelled again.
Speaker 4: Though perceptionomics, something I coined years ago, does have a
Speaker 4: play in the market. If enough people think things are
Speaker 4: going to hell and they react that way, well, it
Speaker 4: can cause a bit of a panic. Again, what we
Speaker 4: say is steady the course. Don't panic, buy, don't panic
Speaker 4: sell now, look for deals and look for opportunities when
Speaker 4: starts flowing back in. That's what we do. We try
Speaker 4: to forecast that. For you, Pat, I know you have
Speaker 4: to run, go, go ahead, Pat, you.
Speaker 8: Have to believe in the process. I think too, Tom Right.
Speaker 8: So it's all about building a quality portfolio, having quality.
Speaker 5: Companies in there.
Speaker 8: He talked to more than about what he'll tell you.
Speaker 5: He buys the.
Speaker 8: Stock in the company and turns the market shuts down
Speaker 8: for five more years. It's not a slot machine for
Speaker 8: short term games, you know. It's it's you're investing in
Speaker 8: people and companies that are balance sheets of income statements,
Speaker 8: that produced data, and it can be a value.
Speaker 1: No, that's right.
Speaker 4: He doesn't believe in day trading or knee jerking at
Speaker 4: all at all. He buys value and fundamental skill.
Speaker 8: Absolutely. Yeah.
Speaker 4: And there's a little unfairness with Warren Buffett, a little
Speaker 4: because let's face it, when Berkshire Hathaway invest a lot
Speaker 4: in a sector, all of a sudden that sector becomes desirable,
Speaker 4: he raises he can actually raise the price by being
Speaker 4: in it.
Speaker 8: Oh, absolutely, so he'll market move all day long. Yeah,
Speaker 8: but he got so.
Speaker 4: Advice right now is advice right now? Truly, don't cement
Speaker 4: losses in panic. Don't do buying unless you know why
Speaker 4: you're buying. Although there are deals to be made, there
Speaker 4: were truly deals to be made.
Speaker 1: And if you're not someone like Mark who.
Speaker 4: Watches like a hawk all the time quickly when you
Speaker 4: need help, you can call us.
Speaker 6: Well, why does Berkshire Hathaway why do they? Why do
Speaker 6: they sell shares like a stock compared to running just
Speaker 6: like a general fund like we're used to. Why is
Speaker 6: it different than most?
Speaker 1: Oh?
Speaker 6: I was just a big time ructured Why is it
Speaker 6: structured the way it is?
Speaker 1: Or must be a reason behind it?
Speaker 6: And then the follow up is why don't other people
Speaker 6: structure like that?
Speaker 4: Okay, here's what Berkshire Hathway does. They buy and sell
Speaker 4: and they make profit and they have some losses.
Speaker 1: If they ran it like a.
Speaker 4: Fund, they would be regulated out of existence because they'd
Speaker 4: have to answer to every time Dick and Harry in
Speaker 4: the government. And even if they did a reg D fund,
Speaker 4: which is really an exempted fund meeting, there aren't the
Speaker 4: same reporting requirements. But you limit your investment base because
Speaker 4: if you do a reg dfund, a private hedge fund
Speaker 4: like we have, you have to have a certain net
Speaker 4: worth and a certain credit. It's called a qualified investor
Speaker 4: to even be part of it, and you're not allowed
Speaker 4: to advertise. So that's why they're not. So then he said, oh,
Speaker 4: I'll tell you what I'll do. I'll simply form a company,
Speaker 4: an investment company, and I'm not selling them securities. I'm
Speaker 4: not I'm selling them a share of ownership in my company.
Speaker 4: It's the most brilliant thing in the world.
Speaker 6: Then, and every hedge fund and every fund out there
Speaker 6: do it the same way.
Speaker 4: Well, because most hedge funds don't operate like Warren Buffett does.
Speaker 4: They don't have they don't buy for long term quality,
Speaker 4: they don't buy for fundamentals. They don't buy to try
Speaker 4: to turn a company around, and they don't buy to
Speaker 4: sell a company. They're not a capital fund and they're
Speaker 4: not just an investment firm. What hedge funds do is
Speaker 4: try to take advantage of volatility, and they buy and
Speaker 4: sell quickly. Mark, in our hedge fund, our average whole
Speaker 4: time is what is it.
Speaker 1: Pat two to five days.
Speaker 4: That's correct, and we're in and out our hedge fund.
Speaker 4: We measure monthly. If we make a one to two
Speaker 4: or three percent a month, that means we're on track
Speaker 4: to do thirty six percent.
Speaker 1: So you're saying, but it can't go in and out
Speaker 1: of something in two to five days, Well he can
Speaker 1: as a company.
Speaker 6: And why wouldn't we the way he does if there's
Speaker 6: less regularly, Well, because we don't have the horse.
Speaker 4: Here's why, Mark, listen, because when you buy Birks your Hathaway,
Speaker 4: you're not buying a stock in anything but Birks your Hathaway.
Speaker 4: So what you're saying is we love the way you
Speaker 4: do business.
Speaker 1: We want to hitch our train car to your engine.
Speaker 4: That's what they're saying. But if we tried to do that, Mark,
Speaker 4: we don't. We don't have the power to sell shares
Speaker 4: in my company and then go out and make giant
Speaker 4: stock trades and profits.
Speaker 6: They just use that as example, like like Bridgewater and
Speaker 6: Associates there they're one hundred and fifty billion. How come
Speaker 6: they don't structure that way? How come they're a hedge.
Speaker 4: Because because, okay, because they don't want to be they
Speaker 4: want they don't. They're not looking for owners. They're looking
Speaker 4: for people who say, here's my money.
Speaker 1: In essence, do anything you want with it, and then
Speaker 1: get me in and out.
Speaker 4: And they're just they're looking for a more qualified investor.
Speaker 4: That Bridgewater you're talking about, Julio's a genius. They're geniuses.
Speaker 4: That hedge fund is wonderful, but it's a hedge fund,
Speaker 4: not a business. And the reason they structure that way
Speaker 4: is for they they want to be able to take
Speaker 4: massive gains and losses at any time and not expe
Speaker 4: to people.
Speaker 1: That's all it's.
Speaker 4: Really, you have no explanation to investors with a hedge fund,
Speaker 4: with a Birks your Hathaway, you're a company. You're telling
Speaker 4: people we're a company. We're doing something. We're building businesses,
Speaker 4: we're selling businesses, we're buying businesses.
Speaker 1: It's a whole different structure.
Speaker 4: So it's like owning part of General Motors or Tesla
Speaker 4: that and end you have no regulation virtually, I mean, really,
Speaker 4: you don't because you're not selling a security. You're selling
Speaker 4: a piece of a company. And when you sell it yourself,
Speaker 4: it's not a security. If I sell those shares, it
Speaker 4: becomes a security. Pat am, I am I saying that correctly?
Speaker 8: Yeah, that sounds good. YEP, I think that's accurate.
Speaker 1: So, but why would you say that.
Speaker 4: Hedge funds don't form companies like Berkshire Hathaway and simply
Speaker 4: sell shares in their company.
Speaker 8: Well, they have limitations when you're a fund, right, So
Speaker 8: if you're a forty ZAC fund, you can only take
Speaker 8: up the typically a five percent position in any one company.
Speaker 8: But you know, it goes back to the fundamentals with Bussett,
Speaker 8: his whole fundamental is to go in and take a
Speaker 8: larger ownership stake in the company if you've never been
Speaker 8: to run the company right exactly, and so he'll take
Speaker 8: a twenty twenty five percent position in a company and
Speaker 8: essentially control it. If you've ever been to a Berkshire.
Speaker 4: But here's something else, Mark, here's something else. Performance fees
Speaker 4: in a hedge fund are tremendous. Now, obviously there's a
Speaker 4: reason for a performance fee. You have to hit your
Speaker 4: high water mark and you get twenty percent of the gain.
Speaker 4: So like one year our fund returned like thirty eight percent,
Speaker 4: we took twenty percent off the top.
Speaker 1: That's what you do.
Speaker 4: That's not twenty percent of thirty eight. I'm saying thirty
Speaker 4: eight percent. Twenty percent of thirty eight, so not twenty percent.
Speaker 4: So you take you take your performance fees. Birshere Hathaway
Speaker 4: doesn't take performance fees. They're simply a company making money
Speaker 4: and they pay dividends. Well, hedge funds would never do that.
Speaker 4: Do you know how much money they make in performance
Speaker 4: fee every month on a hedge fund? They make millions
Speaker 4: and millions and millions, like that Bridgewater fund you mentioned.
Speaker 4: And you can't charge performance fees when you go to
Speaker 4: when you go to selling shares in a company, there's
Speaker 4: no performance fees. Now you can overpay executives and all
Speaker 4: of that stuff, but that never that never works, you know,
Speaker 4: and ungodly bonuses. So really, these guys that have hedge funds,
Speaker 4: they want to charge that three percent expense fee or
Speaker 4: two percent expense fee, and then they also want to
Speaker 4: charge on the profit. They want to charge their performance
Speaker 4: fees because it's.
Speaker 1: Enormous, it's enormous. What it can return for them.
Speaker 6: The party gave me the understanding of the whole thing
Speaker 6: was to five percent. I didn't realize a hedge fund
Speaker 6: was limited to five percent when it comes to a
Speaker 6: company because they're never going to be making the decisions
Speaker 6: inside the company. Where if you can go in and
Speaker 6: buy forty percent of the company, you're you're pulling all
Speaker 6: the strings exactly.
Speaker 4: Yeah, Now, twenty five million is a small hedge fund.
Speaker 4: But on twenty five million, if they returned and they
Speaker 4: can easily, we can show you we can easily return
Speaker 4: forty eight percent. Okay, Now that's a twelve million dollar.
Speaker 4: Now think about this, that's twelve million dollars in gain.
Speaker 4: Right if you put in a year, if you put
Speaker 4: if you do that, Now, if you do that and
Speaker 4: then you take you take like a ten percent or
Speaker 4: a twenty percent performance fee. Look what you're making. You're
Speaker 4: making two point four million dollars. You could never do
Speaker 4: that selling shares. Because you're selling shares and paying dividends.
Speaker 4: All it does is raise your stock value. And when
Speaker 4: it raises your stock value, Warren Buffett's net worth goes
Speaker 4: up because.
Speaker 1: He has insider stock.
Speaker 4: So when he says, I pay less payroll tax than
Speaker 4: my secretary. He's just a jerk because what he's what he's.
Speaker 1: Really doing, is tricking you.
Speaker 4: He's making his money on the dividends and on the
Speaker 4: on the stock price and on the equity, not on payroll.
Speaker 4: He probably pays himself nothing, maybe thirty five thousand a year,
Speaker 4: who knows. But it's really disingenuous when he said that, well,
Speaker 4: I pay less payroll tax than my secretary. Of course
Speaker 4: you do, because you don't take payroll. We got more
Speaker 4: coming up. Patrick wants to talk about Elbert County Police Department.
Speaker 4: That'll be interesting. I don't think they have a police department.
Speaker 4: I think he's talking about the Sheriff's department. Right after this,
Speaker 4: go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three O three, seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the Real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi Tom
Speaker 4: Martino here and those of you that don't like looking
Speaker 4: at my face and they want to see more of Mark.
Speaker 4: I'm trying to get his camera up, but it's not
Speaker 4: getting up there. And every once in a while Mark
Speaker 4: has a problem getting it up.
Speaker 1: We all know it, and I'm just asking.
Speaker 9: Him to me.
Speaker 1: Did you try the new link I sent you, bro
Speaker 1: I did? It says it's locked, dude.
Speaker 6: Literally when it goes to it, I hit the camera
Speaker 6: button and there's a.
Speaker 1: Picture of a lock.
Speaker 4: I think that Kelly did not or somebody went Did
Speaker 4: they disengage the other camera completely?
Speaker 1: That could be it.
Speaker 6: Oh wait a second, Wait a second. I think I
Speaker 6: know what happened when you dropped in the other day.
Speaker 6: I think you came into my studio and unplugged something.
Speaker 1: I'll get it plugged back in. Hold on, see.
Speaker 4: And I thought you really meant it that you knew
Speaker 4: what was going on, because I ruld like to get
Speaker 4: your picture up there. But truly, I don't know why
Speaker 4: it's not coming up. It's a good link.
Speaker 1: Anyway.
Speaker 4: Welcome people to uh Now, let's get back to the
Speaker 4: show and not leave you out?
Speaker 1: Patrick? What's going on with Elbert County?
Speaker 10: Hey man? So if you could just like pull up YouTube,
Speaker 10: I'll let the video like kind of speak for itself.
Speaker 1: Okay, you have a YouTube that you did?
Speaker 4: Yeah, okay, and what is on tell me? Okay, I
Speaker 4: gotta go to my hold on a second, I'll do
Speaker 4: it and tell me what I'm looking for on YouTube.
Speaker 10: Okay, So you're gonna just look up Patrick Martin and.
Speaker 1: Patrick gets you Patrick Martin? And what else?
Speaker 10: I just type that in and is it?
Speaker 1: Is it? Dandelion dandelion eyes?
Speaker 4: No, Patrick Martin, little shop of hors?
Speaker 1: This is what I get when I bring up Patrick Martin.
Speaker 1: I get a whole bunch of stuff.
Speaker 10: Bro Okay, bring up dy light.
Speaker 1: D I y yeah lights.
Speaker 10: Lights l I f e.
Speaker 1: O life got it? D y I life.
Speaker 4: Okay, I just did it, and let's see do you Patrick?
Speaker 1: I don't have. I don't have.
Speaker 4: There's nothing that comes up. Man, I just don't know.
Speaker 4: I want to look at what you want me to
Speaker 4: look at. I put in Patrick Martin. Okay, there's somebody
Speaker 4: who there's all kinds of Patrick Martin's, and you're not
Speaker 4: one of them.
Speaker 1: So I don't know how to find you. Is it?
Speaker 1: Is it a song? Tell me what it is? A
Speaker 1: video of what?
Speaker 10: So it's a police encounter?
Speaker 11: Where?
Speaker 1: But okay?
Speaker 4: So bro, if you're looking at what tags did you
Speaker 4: put on your video when you posted it?
Speaker 1: Give me a tag?
Speaker 10: I'm looking at my video right now? What did I
Speaker 10: put on here?
Speaker 1: Look up?
Speaker 10: Albert County Police?
Speaker 1: Okay? Albert? Okay? Was that one of your tags?
Speaker 9: Yes?
Speaker 10: That is one of my tas.
Speaker 4: Okay now, Albert County Police? Uh two years ago?
Speaker 10: Yeah?
Speaker 1: Okay, got it? I got the video off. You will
Speaker 1: do what I tell you to do, Okay, I tell
Speaker 1: you to do. This is the video, people, because I
Speaker 1: don't want you to talk about the video, sir?
Speaker 10: What that that's what just noted my page. That's not
Speaker 10: the video. It's that's my page though, if you can, okay,
Speaker 10: another video on my page?
Speaker 1: Okay, what's the other video? How many encounters do you have?
Speaker 1: For God's sakes, which other video do you want? I have?
Speaker 1: I have February first, twenty twenty five.
Speaker 10: Yes, so one, but there's two. Twelve minute one is
Speaker 10: mine and then after mind stops, the next one is
Speaker 10: my son who picks up the video recording.
Speaker 1: Okay, so which one do you want us to listen to?
Speaker 10: The twelve minute one?
Speaker 1: Yikes?
Speaker 4: Okay, hold on, hold on, we're gonna come right back
Speaker 4: to you. We love doing this, by the way, viewing
Speaker 4: stuff and we can share with our audience three oh
Speaker 4: three seven one three talk and if they're on YouTube
Speaker 4: watching us, they can watch us at a referral list
Speaker 4: or Troubleshooter network on YouTube and uh yeah, we'll get
Speaker 4: to that and figure out what you want to talk about.
Speaker 4: So just stick around, by the way, folks, we're gonna
Speaker 4: take a quick break, and then we're gonna look at
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Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: to seven to one.
Speaker 1: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two.
Speaker 1: Hi Tom Martine, Okay I got this? Uh YouTube cubed
Speaker 1: that this gentleman.
Speaker 6: Yeah, I already warned. I already warned Shannon, he got it.
Speaker 4: Hey, hold on a sec, bro, How many bad words
Speaker 4: are going to be in this? Patrick?
Speaker 10: No, like that's it.
Speaker 1: I'm sure it's lazy.
Speaker 10: You want to if you want to skip to the
Speaker 10: three minute and fifty two second one that is the
Speaker 10: conclusion of the video.
Speaker 1: But never mind, we're not playing this. Stop it, just
Speaker 1: stop it and stop it. Stop trying to say what? Man?
Speaker 1: Can you say a word without the F word?
Speaker 4: Just tell me what's going on? What are you complaining about?
Speaker 4: He's messing with us? Well, I want to know what
Speaker 4: are you complaining about.
Speaker 10: I found out that they've they arrested me on a
Speaker 10: warrant that they made up they fo.
Speaker 1: Okay, now, if that's really true, Patrick, if that's really true, then.
Speaker 4: You're a victim. But I'm going to explore this. You
Speaker 4: say they made it up out out of the clear
Speaker 4: blue sky, they made up a rank call bs. Well,
Speaker 4: we're gonna hear about it. Patrick, You're gonna have your say.
Speaker 1: On this show. I'm Tom Martina.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies. Find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen two.
Speaker 1: Ripped up. You need advis so you don't have the.
Speaker 2: Run into just as fast as you can. Shooter is
Speaker 2: gonna help.
Speaker 12: Come man, this is.
Speaker 1: The Troubleshooter Show. No Tom Martino.
Speaker 4: Hey Tom Martino, here fighting for you, solving problems, answering
Speaker 4: question taking complaints. We had a great discussion about the economy.
Speaker 4: We're talking about all kinds of problems that make you
Speaker 4: tick and tick you off. And we have a guy
Speaker 4: wanted to talk about Albert County Sheriff's Department.
Speaker 1: And I looked over some of this video.
Speaker 4: I'm not sure exactly what he's calling about, but I
Speaker 4: believe everyone should have their say, and I mean necessrely.
Speaker 4: You know what what really counts is they have their say,
Speaker 4: just no f bombs is And also, I want to
Speaker 4: know what your main complaint is. You were stopped by
Speaker 4: Albert County police and you believe the warrant was completely
Speaker 4: made up, false, not true, and forged.
Speaker 1: Explain that to me, Patrick.
Speaker 10: I have been dealing with these guys for a while
Speaker 10: and they just keep harassing me.
Speaker 4: Man, And okay, tell me just real quick to Patrick.
Speaker 4: I know you have a lot to say, But in
Speaker 4: the interest of time and continuity, when was your first
Speaker 4: encounter where they started messing with you?
Speaker 10: Cool years ago? But just like for for continuity purposes,
Speaker 10: I haven't been I used to be an alcoholic. I
Speaker 10: have no longer. I've been sober for almost ten years, okay,
Speaker 10: and I recently haven't like they just, I don't know,
Speaker 10: just beenpointed me and decided they wanted to just make
Speaker 10: up this warrant. And I can prove it because I
Speaker 10: pulled my discovery because I can't afford a lawyer. And
Speaker 10: according to their paperwork, I had an FTA on July
Speaker 10: twenty six What is.
Speaker 1: An FTA, sir? What is an FTA or whatever?
Speaker 10: A fifth and a failure to appear for an insurance
Speaker 10: thing for not providing proof of auto insurance?
Speaker 1: Okay?
Speaker 4: And when was that? When was that appearing state? Supposedly
Speaker 4: supposed to be.
Speaker 10: On September twenty eighth?
Speaker 1: And do you remember that?
Speaker 4: Do you remember that event where they asked you for
Speaker 4: proof of insurance and you didn't have it?
Speaker 1: I do, okay.
Speaker 4: And did you know that when you did not have
Speaker 4: insurance that you were going to.
Speaker 1: Have to go to a hearing? Yes?
Speaker 10: And I did.
Speaker 1: Oh so you went to the hearing and showed proof
Speaker 1: of insurance?
Speaker 10: Yes, so, but they.
Speaker 4: Didn't record that you were there. They recorded that you
Speaker 4: did not show up.
Speaker 1: Is that right?
Speaker 10: They recorded that I didn't show up two months before
Speaker 10: my court date was even supposed to happen and even
Speaker 10: on there.
Speaker 4: So there was a warrant issued. Okay, let's get this straight.
Speaker 4: Then this is back in what year? Was this this
Speaker 4: failure to appear?
Speaker 1: What year?
Speaker 10: Twenty two?
Speaker 1: So you were.
Speaker 4: Stopped for for not for and they checked you. Why
Speaker 4: were you stopped to begin with? They looked at your
Speaker 4: insurance and you didn't have it on you. But why
Speaker 4: were you stopped anyway?
Speaker 10: I was, I became homeless at the time. I was
Speaker 10: speaking in my car at Big R and Elizabeth, okay,
Speaker 10: and they hold up.
Speaker 1: Okay, okay.
Speaker 4: So so you were confronted for sleeping in your car.
Speaker 10: Yes, in twenty twenty two, yes.
Speaker 4: Okay, now listen, I know, thank you for being sure
Speaker 4: with your answers.
Speaker 1: So you're sleeping in your car?
Speaker 4: They come up, they did you get chargement anything at
Speaker 4: that time?
Speaker 10: Yes, they had charged me with no proof of auto
Speaker 10: insurance and that that.
Speaker 1: Was all.
Speaker 4: Okay, okay, So you did not have proof of insurance, okay,
Speaker 4: So then you knew there was going to be an
Speaker 4: appearance date and.
Speaker 1: You said you showed up.
Speaker 10: I did, and I closed it because I brought proof
Speaker 10: of insurance. And they had written in this war and
Speaker 10: made it up saying that I missed court two months
Speaker 10: before my court day ever even happened.
Speaker 4: Okay, But here's what I want to know is is
Speaker 4: there is there any kind of documentation showing that you
Speaker 4: did have a hearing for that that you went to?
Speaker 10: Yes, okay, and I so I have.
Speaker 1: They're saying, even though, so hold on.
Speaker 4: So they're saying, even though you did go to a
Speaker 4: hearing and show insurance before that hearing, you missed.
Speaker 1: You missed one before.
Speaker 10: That, that's what they're saying. But it was that and
Speaker 10: that they're saying I missed, and and what.
Speaker 1: Do they say about that when you explain it to them?
Speaker 10: I haven't had a chance to judge Warne me.
Speaker 1: Is it possible? Okay, I gotta, I gotta bring this up, Patrick.
Speaker 4: Is it possible you were stopped, you were giving a
Speaker 4: hearing date, you didn't show up, and then you went
Speaker 4: a another time after that. Is it possible you did
Speaker 4: miss a hearing date?
Speaker 10: No, it's absolutely not possible. Yeah, I'm a possible person.
Speaker 10: And so my affairs with cordial and diligence and okay.
Speaker 4: So what do you do for work right now? What
Speaker 4: do you do for work right now.
Speaker 10: I am a caretaker for a couple in Elizabeth. I
Speaker 10: don't have a license because of past DUIs and whatever.
Speaker 10: But yeah, I'm waiting to get my license back, which
Speaker 10: I'm eligible for right now. But all of this messages
Speaker 10: just like unnecessary.
Speaker 4: Okay, So when you were stopped and arrested on this warrant.
Speaker 1: Did you get nasty with him at all? Or tell
Speaker 1: me what happened?
Speaker 10: Oh? No, no, no, I didn't get nasty. We were
Speaker 10: just I asked my son. He was working out. I
Speaker 10: had just finished up dinner. It was cold that day.
Speaker 10: I needed to go to the store. I asked him
Speaker 10: if he could get me a ride six he was
Speaker 10: in town. He said yeah, I'll be there in a minute,
Speaker 10: and him and his friend came over picked me up.
Speaker 10: We were heading to the store and all of a sudden,
Speaker 10: there's light. As soon as we turn off on my streets,
Speaker 10: there's headlights blinding us, pushing us up this hill, pushed
Speaker 10: us through the stop sign, and then we go right
Speaker 10: and we go to the stop light and he's still
Speaker 10: just blinding the heck out of us. I have to
Speaker 10: stop light, waiting for it, still not pulling us over
Speaker 10: so left on to eighty six, and then all of
Speaker 10: a sudden he decides to light us up. So he's
Speaker 10: talking to the draft and then he immediately is like
Speaker 10: where you're coming from? Oh whoa, what are you doing
Speaker 10: over there? And I'm like the video shows at all.
Speaker 10: But as I'm explaining to him, he's like totally just
Speaker 10: like pinpointing me is somebody I'm not. And all of
Speaker 10: a sudden he comes back and he sees it on
Speaker 10: like videotaping and he's like, okay, well, yeah, no, it's
Speaker 10: cool if you videotapes. I'm videotaping too, right, and he goes, well,
Speaker 10: and the Stay.
Speaker 13: Of Colorado, this is how it works. I have the
Speaker 13: right to idea everybody at the traffic stuff. So once
Speaker 13: you about to give me your name and like takes
Speaker 13: my name, my son's name, and then he further interrogates
Speaker 13: me about neighbors and like I don't even know, like
Speaker 13: what are you trying to get at? And then before
Speaker 13: you know it, he just comes back and he's like, well,
Speaker 13: you got to step out of the car, and I
Speaker 13: say okay, like for what and he's like, well, we
Speaker 13: got to talk some more. And I said okay, like
Speaker 13: all right, like sure, like.
Speaker 10: What do we need to talk about?
Speaker 4: And then he's like, now, you weren't charged with resist
Speaker 4: or anything, were you, Patrick? Patrick? Just to cut to
Speaker 4: the chase, you were charged. You were picked up on
Speaker 4: this warrant. Were you given any additional charges?
Speaker 10: Not there but at the court out at the jail, Yes,
Speaker 10: at the jail.
Speaker 1: What else were you charged with?
Speaker 10: I had picked up some paraphernalia that was garbage. I
Speaker 10: was fishing earlier that day. I'm uh, there's this pond
Speaker 10: in my town. I consider it.
Speaker 4: Okay, I don't need to know this, Patrick. What I
Speaker 4: need to know is what was the paraphernalia.
Speaker 10: They said it was matt, I thought it was a
Speaker 10: crack pipe.
Speaker 1: Okay.
Speaker 4: So you're fishing, and as a good steward of the environment,
Speaker 4: you pick up the trash.
Speaker 10: Yeah, I don't want paraphernalia laying around the community, you know,
Speaker 10: my kids and stuffer around.
Speaker 4: Then come on, Patrick, Patrick, bro come on man, Now,
Speaker 4: I'm giving you every bit of leeway here. But now
Speaker 4: not only did you get wait, they forged the warrant.
Speaker 4: I'll even buy that, or they made a mistake, but
Speaker 4: then they found some meth paraphernalia on.
Speaker 1: You that you picked.
Speaker 4: Up as a good steward to because you saw litter
Speaker 4: when you were fishing.
Speaker 10: Yeah, it sounds crazy, I know.
Speaker 1: Yeah. So how much paraphernalia was there?
Speaker 10: Just two pipes? And like they said that there was
Speaker 10: a baggy. I didn't see a baggy, really, man, I
Speaker 10: had like a bunch of other trash. Dude, I'd like,
Speaker 10: I don't know.
Speaker 4: And you explained to them that you are simply a
Speaker 4: good citizen picking up trash along the path.
Speaker 1: Yes, okay, but Patrick, listen to me. Now, I'm not
Speaker 1: buying it. Brother, I know I'm not buying it.
Speaker 4: I I'm sorry, And now I'm not saying. I'm not
Speaker 4: saying I won't give you some advice here. But could
Speaker 4: it have been your son? Was it your son's stuff?
Speaker 10: No? No, no, no, my son's And.
Speaker 4: Did you let me ask you this? Let me ask
Speaker 4: you this. Did they do a blood test? Did they
Speaker 4: do a blood test?
Speaker 1: Why? No?
Speaker 10: Because I don't have any history of drugs.
Speaker 1: Were you well? Were you charged with paraphernalia?
Speaker 5: Yes?
Speaker 1: So okay and missing the core tes.
Speaker 10: So let's let's say benefit of the doubt. I had
Speaker 10: math on me, I knowing we had on me.
Speaker 14: Yeah, and.
Speaker 10: Apparently a blue bag that had some residue. So yeah,
Speaker 10: for for argument's sakes, we'll say I'm guilty of all
Speaker 10: these charges.
Speaker 1: Okay, okay, okay.
Speaker 14: So so so as like they are super aggressive, like
Speaker 14: I wasn't visiting, and like I do drop quite a
Speaker 14: few f bombs. My apologies about that, But when you're
Speaker 14: being arrested for no reason, it's kind of hard to
Speaker 14: cheap it sometimes.
Speaker 1: Well it wasn't. It wasn't no reason, Patrick.
Speaker 10: Why was it no reason? There was no warrant?
Speaker 1: Well no, here's what I mean. Here's what I mean
Speaker 1: by that.
Speaker 4: Even if it was a mistake, there would be no
Speaker 4: way for that police officer to know that.
Speaker 1: So he was arresting you on a warrant.
Speaker 4: He didn't make up the warrant, it was there, and
Speaker 4: then they found drug paraphernalia.
Speaker 1: So what I want to know is this, what date
Speaker 1: was this arrest?
Speaker 10: The the thirtieth January thirtieth of Jent for thirty first Okay.
Speaker 4: Now here's what thirtieth Okay, Now here's what I want
Speaker 4: to know. Okay, where does it?
Speaker 1: Where is it right? Now?
Speaker 9: Where's what?
Speaker 4: Where's the case? How What's what's going on right now?
Speaker 4: How can we help you? What's going on?
Speaker 1: Why don't you hold on? Hold on? I'm going to
Speaker 1: come in. Here's what I'm going to come and ask. Patrick.
Speaker 4: I'm going to come and ask, and I have to
Speaker 4: take some calls.
Speaker 1: In between you.
Speaker 4: But I really am willing to help you if you
Speaker 4: If I know what you need and I can accomplish it,
Speaker 4: I'm willing to do it. You don't sound like a
Speaker 4: total nut to me. You do sound like a little
Speaker 4: denial here and there, but I want to know where
Speaker 4: it stands and what we can do for you.
Speaker 1: Right after this, go.
Speaker 4: With a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up, free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hey, I'm
Speaker 4: Tom Martine Your Troubleshooter three O three seven one three
Speaker 4: talks seven three at two five to five. Patrick, I'm
Speaker 4: going to come back to you, but first I want
Speaker 4: Paul Doubting. Paul's one of my good buddies, Paul thewatermanwaterpros
Speaker 4: dot net.
Speaker 1: And yet again, water is in the news.
Speaker 4: And it's amazing how many municipalities, now we're not talking
Speaker 4: about individuals, how many cities and counties and whatever, villages, whatever,
Speaker 4: municipalities are learning that their water is not safe and
Speaker 4: they're advising people to do filtration. Now, Paul, you're an
Speaker 4: expert in this area. You've done a lot of research.
Speaker 1: So when it comes to the mandates the EPA is
Speaker 1: putting out for.
Speaker 4: Domestic water, how are how are municipal systems going to
Speaker 4: keep up?
Speaker 15: Well, they can't. They're not designed to. That's just the
Speaker 15: facts of it. The municipality is not designed to remove
Speaker 15: the forever chemicals. Municipality is not designed to remove the microplastics,
Speaker 15: which is becoming an emerging issue. And then the other factors.
Speaker 15: Municipalities when they treat the water and they're basically treating
Speaker 15: it with carcinogens. They are chemicals that disinfect the water
Speaker 15: that are also cancer crossing agents, so they're just not
Speaker 15: designed to It's totally up to us as individuals to
Speaker 15: take care of the quality of water that we consume.
Speaker 4: Well, Paul, is it fair that municipal water systems charge
Speaker 4: us and can't delivered to us water?
Speaker 1: I mean, really, at what.
Speaker 4: Point do they say, Well, don't you think some days
Speaker 4: it's going to be mandatory that if you have a
Speaker 4: house you have to have a system.
Speaker 15: Well, absolutely, I think it's mandatory now, to be very
Speaker 15: very frank with you. Which for example, the pi foss
Speaker 15: problem I you know, was caused by three M and DuPont.
Speaker 15: That contamination of forever chemicals has been going on since
Speaker 15: the nineteen seventies.
Speaker 4: And now we're not talking about the teflon too, right,
Speaker 4: You're talking about teflon and all that.
Speaker 15: That's it, that's yeah, these are the byproducts from teflon,
Speaker 15: you bet. And so this chemical contamination has been going
Speaker 15: on to the point where it's not only in our water,
Speaker 15: but that the human waste has to be disposed of
Speaker 15: when you remove it from a municipality's septic you know,
Speaker 15: plant sewer planted that human waste they call biosolid. They
Speaker 15: give it away to farmers and farmers use that to
Speaker 15: fertilize their fields. Fertilizer.
Speaker 11: The biosylid is full of p fas, So a lot.
Speaker 15: Of our farm ground is contaminated. There's stories you can
Speaker 15: you can research this online. There are stories they talk
Speaker 15: about farms, complete farms in Maine for example, a farmer
Speaker 15: to you know, destroy all his dairy cows because the
Speaker 15: milk was full of p fas. So it's something that.
Speaker 4: You know, Paul vauls, So you're really you're really saying
Speaker 4: that our poop is contaminated beyond normal.
Speaker 5: Correct, Correct, That's that's the problem.
Speaker 15: Correct, And they don't test for it, and that's the issue.
Speaker 4: No what our urineb would are urine be contaminated as well?
Speaker 15: Absolutely correct, it would be. It's a vicious cycle. And
Speaker 15: think about this, folks that live in Castle Rock right now,
Speaker 15: Douglas County and Castle Rock, they're about thirty five percent
Speaker 15: reusable water where you know, the phrase is going from
Speaker 15: the toilet to the tap. Eventually they want to increase
Speaker 15: to a larger amount. It's recyclable, re usable water. What
Speaker 15: concerns mean is that then you know the cancammination, you know,
Speaker 15: could increase and become greater because you're reusing it when
Speaker 15: you dump water. When water goes into you know, a
Speaker 15: body of water, let's say the Platte River. So where
Speaker 15: Aurora dumbst in the Platte downstream, Denver pulls it right
Speaker 15: back out. So technically is.
Speaker 5: That reusable water?
Speaker 10: You bet.
Speaker 15: And what they're not testing for is they're not testing
Speaker 15: for the p files and letting everybody know. Now, Denver
Speaker 15: County and Adams County did send letters out last year
Speaker 15: saying to p FILEX levels were above what the EPA
Speaker 15: stated to think about this real quick. They started out,
Speaker 15: this is what's scary. They started out saying that p
Speaker 15: fix levels could be couldn't be more than one part provillion.
Speaker 15: Now that's pretty small. One part probillion is one drop,
Speaker 15: and then until like a little excise ran well, okay,
Speaker 15: then they mandated it down to four part petrullion, and
Speaker 15: then shortly after that they mandated it down to zero.
Speaker 15: So there's no way a municipality is designed right now
Speaker 15: as you and I are talking to handle any of
Speaker 15: those can't happen. So that's why going to be up
Speaker 15: to each individual and My thought is they want to
Speaker 15: give out you know, crants for people to buy you know,
Speaker 15: electric bicycles and electric vehicles. They need to start doing
Speaker 15: something like that so folks can buy you know, water
Speaker 15: filtration systems because everybody needs water's health.
Speaker 4: Well, listen, listen, what do you think I mean, is
Speaker 4: anyone trying to get through the administration or congressman? I mean,
Speaker 4: what are there any any kind of laws going on
Speaker 4: that can help.
Speaker 15: Us right now that's not being talked about. To my knowledge,
Speaker 15: I don't know of anybody just lash election cycle, state
Speaker 15: local officials. Nobody bought this up to anybody's attention. Now,
Speaker 15: think about all the growth, all the growth that's going
Speaker 15: around me, and it's just amazing how how big our
Speaker 15: community is getting. And there's still a limited amount of
Speaker 15: water resource, so there's only so much water goes around.
Speaker 15: So eventually everybody in my in my belief for planning
Speaker 15: this growth, and what they're going to do is go
Speaker 15: to reusable water. That's what they do in California, reusable
Speaker 15: water San Diego, right from the toilet to the tap.
Speaker 15: And when you do that, think about this is another
Speaker 15: thing that's pretty scary. These nanoplastics can carry carcinogens. These antoplastics.
Speaker 4: Well, of course, I mean, I mean, Paul, without saying
Speaker 4: I mean anything that you I mean, I don't even
Speaker 4: know what we do about it.
Speaker 1: But but what you can do.
Speaker 4: Are you saying that we can have near damn near pure,
Speaker 4: pure pure water with a system?
Speaker 5: Correct?
Speaker 1: Absolutely?
Speaker 15: And here's the thing right now, that's why we were
Speaker 15: you know, I designed this special because to me, it's
Speaker 15: this important, you know, And that's why we have the
Speaker 15: promotion that we're doing, because you have to have the
Speaker 15: point of use for verse osmosis to other There's another
Speaker 15: issue that we have you haven't even really talked about,
Speaker 15: and that's the pharmaceuticals that are in the water supply.
Speaker 15: And that's an absolute fan now, I know.
Speaker 1: I know.
Speaker 4: So let me get this straight, though. Let me get
Speaker 4: this straight and truly I mean this, and people, I
Speaker 4: feel very strongly about this, as strongly as I do
Speaker 4: about you know, being proactive with your health and exercising
Speaker 4: and what you eat. Well, my god, water is absorbed
Speaker 4: through the skin, water is put into the ground, and
Speaker 4: then water we drink, and you can get everything, everything treated,
Speaker 4: everything for under four grand with this new special. It
Speaker 4: includes the best triple filter reverse osmosis drinking water. You
Speaker 4: can have removal of all chemicals and pfas.
Speaker 1: Does it address the pharmaceuticals too.
Speaker 15: Yes, the reverse osmosis will address the pharmaceuticals. Plus we're
Speaker 15: getting rid of the total chlorine content. I can't tell you,
Speaker 15: Tom how many homes I've been to where the total
Speaker 15: chlorine content is in.
Speaker 9: The hot water heater.
Speaker 15: So that means we're breathing that in in the scheme
Speaker 15: when we take a.
Speaker 4: Hot right, so tell me the full price. Then I say,
Speaker 4: under four grand? How much is it all in?
Speaker 15: All in three ninety five dollars?
Speaker 5: All in?
Speaker 1: Okay? So it is under vice is five? Okay?
Speaker 4: So listen, folks, you will never ever ever find a
Speaker 4: better deal. And I talk to my good friends who
Speaker 4: run plumbing companies, and I say, does it bother you
Speaker 4: that I do these commercials for these guys because you
Speaker 4: can't touch them, And they said, well, we can't. We
Speaker 4: can't touch their prices, and we have a lot more
Speaker 4: overhead and do a lot of other things, and so
Speaker 4: everything gets aggregated over.
Speaker 1: All of our calls.
Speaker 4: And I understand that. And Paul's a business man. He
Speaker 4: understands that, but this is all he does, so he's
Speaker 4: able to just pass on the best savings everywhere.
Speaker 1: And I'm telling you I want you to call him.
Speaker 4: Three zero three eight six two five five five four
Speaker 4: eight six two five five five four Paul, I'm going
Speaker 4: to run onto this other guy that's.
Speaker 1: Been he says, a framed you know, so you can
Speaker 1: hang out in case we have questions.
Speaker 4: I'm not making you leave, by the way, if you
Speaker 4: want to hang out, you can because we might get
Speaker 4: follow up texts or questions.
Speaker 1: That's up to you. I'll leave that up to you
Speaker 1: and Kelly. All right, Patrick, real.
Speaker 4: Quick, I'm gonna take a break, but I want to
Speaker 4: ask you. I'm Patrick, what is the state status of
Speaker 4: your case right now? You say, even falsely accused, falsely arrested.
Speaker 4: What is the status of the charges right now?
Speaker 10: I'm supposed to appear May first for parents of counsel.
Speaker 10: The judge had warned.
Speaker 1: Okay, do you do you have an attorney? No?
Speaker 10: I don't I need The judge had warned me because
Speaker 10: I gone pro see, I had found this information after
Speaker 10: I acquired my documentation on my discovery. I had opened
Speaker 10: the files and I was going to go pro se
Speaker 10: because it's black and white, it's clear as day. But
Speaker 10: the judge warned me that terminology and whatever.
Speaker 4: That's right, that's right, even the process, the process itself can.
Speaker 1: Hurt you, Patrick, Yes, he warned me, process itself.
Speaker 10: But I can't afford funding and life. Obviously, you heard
Speaker 10: the case sounds crazy, it sounds delusional, so it's hard
Speaker 10: to get anybody to look at it with no money.
Speaker 4: All right, listen, I'm going to have somebody look at
Speaker 4: it free of charge.
Speaker 1: But I'm not going to say they're going to represent.
Speaker 4: You, but I will have him look at it.
Speaker 5: Now.
Speaker 4: Katschina, I want you to do me a favor, Katchina,
Speaker 4: are you listening, dear?
Speaker 1: Put down the mimosa, all right.
Speaker 4: I want you to get him to email us every
Speaker 4: fire of the files he has. Then what I would
Speaker 4: like is I would like Joela's ARRA to take a
Speaker 4: look at his case.
Speaker 1: We'll have a case number and everything.
Speaker 4: Just tell Joe we want to first blush on this
Speaker 4: and he'll look over all the paperwork and talk to us. Okay,
Speaker 4: all right, yep, So hang on, Patrick, We're going to
Speaker 4: get you some help and we're going to just basic,
Speaker 4: get our guy to uh to look at it three
Speaker 4: oh three seven to one three talk seven one three
Speaker 4: A two five five Now listen Frank around the real
Speaker 4: Estate Man. You want to talk about free analysis. He'll
Speaker 4: do an analysis of your home and what it will
Speaker 4: sell for.
Speaker 1: Listen.
Speaker 4: The market's updown and all around, depending on where you are,
Speaker 4: and he will help you evaluate your home and come
Speaker 4: up with a figure of what he thinks you'll net
Speaker 4: on this. And he's accurate like ninety nine percent of
Speaker 4: the time. So if you want to know what your
Speaker 4: house will sell for free of charge three oh three
Speaker 4: nine two zero sixteen twenty two, No obligational list three
Speaker 4: oh three nine two zero sixteen twenty two Frank around
Speaker 4: the real Estate Man dot com. Go with a sure
Speaker 4: thing Denver's best roofer Excel Roofing dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real Estate man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hey, I'm
Speaker 4: Tom Martine. You're a troubleshooter and I've just been joined
Speaker 4: by Deputy d here at the house and so we
Speaker 4: got a full contingent and Deputy Doc is at homeworking
Speaker 4: on stuff, and.
Speaker 1: Uh, who else we have available? Kachina, Well, we don't
Speaker 1: currently have anybody in the studio right now. Mark is
Speaker 1: still I believe working with Gravinas, so he'll be back, okay.
Speaker 4: And then that just goes to show you that we really,
Speaker 4: we really do use our own sponsors. I mean, Mark's
Speaker 4: out there and he's uh talking to Gravina.
Speaker 1: Absolutely, and I do believe Bo is available. Good.
Speaker 4: Now let's talk And by the way, if any of
Speaker 4: you guys have follow ups, give me a call. I
Speaker 4: want to talk to Paul Dowdy again with waterpros dot net.
Speaker 4: I do have a couple of texts here Paul. Yes, sir,
Speaker 4: somebody is writing about something. It's controversial. Some of my
Speaker 4: sponsors sell it, but we have to address it. They
Speaker 4: want to know about that hard water system that requires
Speaker 4: no hookups or any what was it called again, hail.
Speaker 1: Yes, that's exactly what it is.
Speaker 4: I couldn't find the text right now, and that's so
Speaker 4: I just found it. You're right, what about the halo system,
Speaker 4: it's not.
Speaker 15: It doesn't work. It doesn't soften water. There's a magnet
Speaker 15: So water hardness is calcium carbonate.
Speaker 9: It's a liquid.
Speaker 15: When it oxidizes, it converts to a rock or a scale.
Speaker 15: You're not going to pull the rize basically calcium carbonate.
Speaker 15: It won't happen. So, long story shortcom resin has a
Speaker 15: negative charge. Water hardness has a positive charge. When you
Speaker 15: win the water through the resin, the resin grabs the
Speaker 15: hardness before it oxidizes and goes to a scale. People
Speaker 15: take that legitimate science and say, okay, well we're going
Speaker 15: to try to magnetize. You can't magnetize basically a rock,
Speaker 15: because that's what hard water does. It air comes in kind.
Speaker 4: But let me explain it and even and that's very well.
Speaker 4: I want to do in a very very very very
Speaker 4: basic way. Water softening is the removal of minerals from
Speaker 4: your water. It's that simple, and a certain amount of purification. Now,
Speaker 4: what they tout it for is better laundry, better skin
Speaker 4: better on your pipes, less wear, less calcification. What halo
Speaker 4: can do is it can suspend and keep your pipes
Speaker 4: a little cleaner now and then it does nothing for
Speaker 4: your skin and for the delivery because all of the
Speaker 4: minerals are still there when you pour that out of
Speaker 4: a faucet. With a halo system, I can guarantee you,
Speaker 4: we can test and every single mineral will be present
Speaker 4: in that water.
Speaker 1: It has not removed anything.
Speaker 4: It just makes it go ahead.
Speaker 15: One thing, Tom, the halo is super ineffective, and water
Speaker 15: hardness is over ten grains per gamon. If you have
Speaker 15: moderately hard water, then you could see a slight difference
Speaker 15: with a halo, But when you have super hard water,
Speaker 15: it just it won't work. It's just not effective.
Speaker 4: In fact, we had a case where they sold a
Speaker 4: halo system to a woman to preserve her water heater.
Speaker 1: Remember yeah, no, it was up.
Speaker 15: It was up and conn offer absolutely and.
Speaker 1: They told her that.
Speaker 4: You told her, they said, if you install this water
Speaker 4: heater without something to condition your water, it's going to
Speaker 4: calcify and be destroyed. So she put in the halo
Speaker 4: system and what happened to the water heater. It was
Speaker 4: calcified and destroyed.
Speaker 15: Correct, Absolutely correct, that's right, that's what happened. And so
Speaker 15: you know, a halo unit is basically, you know, it's
Speaker 15: a carbon backwashing carbon filter with a magnetic you know,
Speaker 15: at the bottom of it. And so if you think
Speaker 15: about water hardness, and if you think about you know,
Speaker 15: water in the majority of the metro area of the neighborhoods,
Speaker 15: you're gonna have water hardness between you know, ten to
Speaker 15: fifteen grains. And we've removed several halo units where you know,
Speaker 15: it made no difference, and that's they were on water
Speaker 15: conditions that were just very hard water. So you can't
Speaker 15: magnetize water hardness.
Speaker 4: You can suspend and you can trick somebody some of
Speaker 4: the time, but it's not going to work. And I know, listen,
Speaker 4: I know there are people that all swear by it,
Speaker 4: and I'm telling you right now, if you did an
Speaker 4: actual chemical test, you would find the water exactly the
Speaker 4: same on each side, wouldn't you, Paul, Absolutely correct.
Speaker 15: Now, there's some parts of the neighborhood where they have
Speaker 15: what I call, you know, morally hard water, where you're
Speaker 15: between three to five grains. Then you can see, you know,
Speaker 15: a Halo, could you know, make it somewhat of a difference,
Speaker 15: but not much. And again the hardness levels okay, the
Speaker 15: same yep.
Speaker 1: Okay, thank you, and that's uh.
Speaker 4: Paul paula Waterman three oh three eight six two five
Speaker 4: five five four.
Speaker 1: I got to take a quick break.
Speaker 4: Now. We're taking any of all of your calls at
Speaker 4: three oh three seven one three Talks seven one three
Speaker 4: eight two five five or of course three oh three Martino,
Speaker 4: So we'll solve your problems, answer your questions, take your complaints,
Speaker 4: and make your life just the little easier.
Speaker 1: Stick around, go.
Speaker 4: With a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank around the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hey Tom Martino,
Speaker 4: your troubleshooter three oh three seven one three, talks seven
Speaker 4: one three, two, five five.
Speaker 1: Frank, what's going on with you? Frank Welcome to the show.
Speaker 9: Yeah, you told me about a place in Denver that
Speaker 9: has sisage and peppers.
Speaker 15: What was the name of that store?
Speaker 1: Do you remember the store or the restaurant? What do
Speaker 1: you what do you mean by the store? Frankie was
Speaker 1: the restaurant.
Speaker 16: We had this conversation a couple of weeks ago about
Speaker 16: where you can still go to get good, you know,
Speaker 16: Italian sausage and peppers, and uh, there were only a
Speaker 16: few options left, but Guetano's on thirty eight is still
Speaker 16: one of.
Speaker 4: And then another one was Viali's on Colorado Boulevard. It's
Speaker 4: a it's in a strip over there, and it's it's
Speaker 4: an amazingly good Italian restaurant, and unfortunately everybody's getting to
Speaker 4: know it now. But it's not like luxury Italian or
Speaker 4: something like quality Italian, but it's a different It's casual
Speaker 4: Italian and they have great sausage and peppers.
Speaker 1: Viali Vali v I Vali v A v I A
Speaker 1: l E. It's on ninety thirty.
Speaker 4: Viali v I A l E so vi al and
Speaker 4: it is thirteen ninety South Colorado Boulevard. Okay, and again
Speaker 4: this food and this food, and I'm gonna be straight
Speaker 4: with you.
Speaker 1: It's casual Italian.
Speaker 4: It's nothing you have and you'll say, oh my god,
Speaker 4: I got to tell everyone about this.
Speaker 1: It's just good food and it's not.
Speaker 4: But it's not like like an experience quality Italian.
Speaker 1: I'll be honest with you on uh.
Speaker 4: In Cherry Creek quality Italian, they have some stuff that
Speaker 4: is an experience, but.
Speaker 1: You don't always want that.
Speaker 4: I like casual Italian, but man, you want to talk
Speaker 4: sausage and peppers. That's a oh my god, it's inexpensive
Speaker 4: and it's a great dish and it's at the Ali
Speaker 4: Pizza and Kitchen.
Speaker 1: So I hope that helps you.
Speaker 4: We got more coming up on the Troubleshooter Show, ron
Speaker 4: stick Around. I'll take your call right next on The
Speaker 4: Troubleshooter Show three oh three seven to one three talk,
Speaker 4: or you can call three oh three Martino three oh
Speaker 4: three six two seven eight four sixty six. Go with
Speaker 4: a sure thing Denver's Best Roofer Excel roofing dot com.
Speaker 4: You don't pay a cent until you're contenth time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three, seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to listen your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two yea.
Speaker 5: Ripped up.
Speaker 1: News need advice so you don't have.
Speaker 2: Come running Just as fast as we can, Shooter's gonna
Speaker 2: help come.
Speaker 3: Man six is the Troubleshooter Show. No Tom Martino.
Speaker 1: Hey, I'm Tom Martino. Welcome to the show.
Speaker 4: We are hoping we can help you with all of
Speaker 4: your problems, qastians, complaints, those everyday aches and pains that
Speaker 4: tick you off, and the ones that make you tick.
Speaker 4: Welcome to the show, and we are here Monday through Friday.
Speaker 1: But here's what I want to tell you.
Speaker 4: You can call us twenty four to seven at three
Speaker 4: oh three Martino three oh three six two seven eight
Speaker 4: four sixty six.
Speaker 1: For those streaming, I'll put that up on the screen.
Speaker 4: Let's talk now to Ron, who had a question about
Speaker 4: our Registration's, Ron, what's happening.
Speaker 17: My neighbor bought our new US Hyundai at Mountain Hunday.
Speaker 17: He's on his second temporary tag, so the county Broomfield
Speaker 17: told him he couldn't get another one, and he still does.
Speaker 1: Well, actually, hold on what they wait? Wait?
Speaker 4: Wait when he when would they have told him that
Speaker 4: in a traffic stop or what?
Speaker 17: He went over to try to get his plate, Well,
Speaker 17: you can't.
Speaker 4: He can't get him unless he has the all the
Speaker 4: title work.
Speaker 12: Right.
Speaker 17: And he was gonna he's running out of time on
Speaker 17: his second one, and he was trying going to see
Speaker 17: if he could get another one until he could get it,
Speaker 17: and for some reason they came.
Speaker 4: So he went to motor Wait, wait, wait the place.
Speaker 4: Here's what he did wrong, Ron. He should have gone
Speaker 4: to the dealer to issue it, and then Motor Vehicles
Speaker 4: doesn't care. They don't give a rip if he went
Speaker 4: to What they do want are people cheating the system
Speaker 4: and not getting a car registered. But if he goes
Speaker 4: back to the selling dealer and he's or I'm assuming
Speaker 4: you bought it from a dealer, did he yes? Why
Speaker 4: can't he just go back to the dealer and by
Speaker 4: the way, the reason he can't get his title is
Speaker 4: because of the dealer. That's right, So the dealer should
Speaker 4: issue the temporary tag and motor Vehicle wouldn't.
Speaker 1: Know anything about it. They don't keep track of that.
Speaker 17: So he can go back to a dealer and get
Speaker 17: another temporary.
Speaker 1: Absolutely if it's their fault.
Speaker 4: If it's their fault that he's not getting his title work,
Speaker 4: it's in their lap, then he needs to say, look,
Speaker 4: I need another tem tag. Do not get into the
Speaker 4: story that he went down and tried to do it
Speaker 4: on his own and motor vehicle said no. You don't
Speaker 4: want to give the dealer any excuse to say no,
Speaker 4: because there is no such thing as you can get
Speaker 4: another one. I've known people that had four of them
Speaker 4: from the dealer. The selling dealer is the one that
Speaker 4: has to issue it. DMV does not keep track of them.
Speaker 4: They won't be calling up your friends saying, oh, by
Speaker 4: the way, we noticed you just had a third temporary tag.
Speaker 4: We're not calling that good. They don't care.
Speaker 1: All they care about is that you register your car.
Speaker 17: Okay, that's kind of what I was after. I'm hoping
Speaker 17: to help him out on as he from he's not
Speaker 17: from this country, and he kind of gets confused and
Speaker 17: I'm just.
Speaker 9: Okay, come out. So I'll just tell him to go back.
Speaker 17: To the dealership and tell them to give him another one.
Speaker 1: Well, that's good. And you know what's said, is it
Speaker 1: used to be? Now they've cracked down recently on stuff
Speaker 1: it used to be.
Speaker 4: I mean, how many times have you seen out of
Speaker 4: date temp tags? For God's sakes, I see him all
Speaker 4: the time. How many times do you see cars that
Speaker 4: don't even have plates on them? Now they're starting to
Speaker 4: crack down on him. But it was a joke that
Speaker 4: if you, you know, if you're Mexican and you're driving around,
Speaker 4: they'll let you go. Oh, I swear to god. I
Speaker 4: mean there were people driving around.
Speaker 1: For months and months and months and months and months
Speaker 1: with no tags whatsoever, and I see them over and
Speaker 1: over and over again.
Speaker 4: I don't recommend that, and they are starting to crack down.
Speaker 4: But it's a thing if you were Venezuela or Mexican.
Speaker 1: Yeah.
Speaker 4: Again, I'm sorry he's having that trouble. If he has
Speaker 4: problems with the dealer, call us back.
Speaker 9: I will do that.
Speaker 17: Yeah, I'll let him know because he's the one should
Speaker 17: call you. But I'm gonna talk to him a.
Speaker 15: Little later anyway.
Speaker 17: And he's asked me, okay, do what I'm trying to
Speaker 17: help him out here, and I thought, of.
Speaker 4: You, no problem, brother, thank you. You tell him he
Speaker 4: can call us at any time. Troy Stern wants to
Speaker 4: talk about a Senate bill.
Speaker 1: I'm not sure which one. Go ahead, Troy.
Speaker 11: Hey, Tom destroy I talked to you about a month ago,
Speaker 11: cinnabel play five oh three? The uh?
Speaker 1: And which one was that?
Speaker 11: It's the Gunman bill, the one where they were gonna ban.
Speaker 1: Which one was that?
Speaker 4: Which one was that you you researched it actually for us?
Speaker 4: What what hold on? Dmitri looked it up for us
Speaker 4: at the time to meet.
Speaker 16: Hey, Troy, I remember your call from about a month
Speaker 16: or so ago. And I've been following that bill too,
Speaker 16: and and I think it's on that fifteenth amend set
Speaker 16: of amendments right now.
Speaker 1: But the House calls update. I think it's oh good,
Speaker 1: what is the update?
Speaker 11: Okay? So the other day was that the House Committee,
Speaker 11: the Judiciary Committee last night passed it with a ton
Speaker 11: of amendments.
Speaker 10: Uh.
Speaker 11: The biggest impact is going to be they're not gonna
Speaker 11: flat out ban the rifles, but to actually purchase one,
Speaker 11: you have to go to your county sheriff and be
Speaker 11: quote unquote vetted by the county sheriff, and then the
Speaker 11: county sheriffs going to give you a card that you
Speaker 11: can take to Colorado Parks of Wildlife to take a
Speaker 11: gun safety course that does not exist.
Speaker 1: And what kind of guns are we talking about? What?
Speaker 1: What kind of guns are we talking about? For this
Speaker 1: my understanding of.
Speaker 11: Gas operated.
Speaker 9: So gas operated, it's almost automatic.
Speaker 1: Gas gas. What is he talking about? There's anything out
Speaker 1: of a revolver?
Speaker 16: Yeah, okay, basically it basically almost all semi automatic guns
Speaker 16: other than.
Speaker 1: Yeah, you mean the point, click and shoot.
Speaker 16: Yeah, they they I mean, they did carve out a
Speaker 16: couple of specific exceptions by name, but those are it's
Speaker 16: a pretty minor set of exceptions. But basically they're trying
Speaker 16: to make it much worse. Five guns, yeah, and uh uh.
Speaker 16: And they're they're they're trying to make it much They
Speaker 16: can't ban guns out right, they they recognize that, but
Speaker 16: they're trying to make it so much of a hassle
Speaker 16: to go and try to acquire one. And they're also
Speaker 16: trying to make it so much more expensive but Troy,
Speaker 16: as I pointed out last time you called, you know
Speaker 16: our side, you know, the pro American, pro freedom, plural
Speaker 16: liberty side has had a really good few years at
Speaker 16: the Supreme Court, and this year is shaping up to
Speaker 16: be even better.
Speaker 9: There.
Speaker 10: You know.
Speaker 16: You see, there are a couple of outright assault weapon
Speaker 16: ban cases that the Supreme Court is going to take
Speaker 16: up this year. There are magazine there's at least one
Speaker 16: magazine limit case that the Supreme Court is going to
Speaker 16: take up this year. So you know, my prediction is
Speaker 16: even if Colorado passes this law, which I believe they will,
Speaker 16: it's it's going to be short lived.
Speaker 1: Because the Supreme Court is going to put the.
Speaker 9: Kabash on this nationwide ye to make sure.
Speaker 11: The biggest problem right now is that they're going to
Speaker 11: steal money from Colorado Parks and Wildlife to stand up
Speaker 11: this education course that doesn't exist. So right now, Colorado
Speaker 11: Parks in Wildlife we teach a hundred eight course and
Speaker 11: it costs the students nothing, and so volunteers teach this course.
Speaker 11: So when they say that they're going to have a
Speaker 11: firearms education course, well they're going to have to develop
Speaker 11: the curriculum, hire the instructors, because nobody's going to teach
Speaker 11: this fararm safety course for free. The cost is going
Speaker 11: to be outrageous. It's going to be millions of dollars.
Speaker 11: And then we're going to have to the state is
Speaker 11: going to be spending millions and millions of dollars fighting it.
Speaker 1: You know, look, look what do you expect? Truly? Colorado
Speaker 1: has become a joke?
Speaker 4: Do you We had such a wonderful, beautiful state. It
Speaker 4: was balanced, It wasn't lopsided one way or the other.
Speaker 4: I don't want to see lopsided government, unless, of course,
Speaker 4: you're trying to undo all the all all the stuff
Speaker 4: that's been going on. If it was lopside, then you
Speaker 4: have lopsided to lopsided. But eventually, I like a good mix,
Speaker 4: and Colorado is anything but a good mix. I don't
Speaker 4: know how the hell it happened, but it's been infiltrated
Speaker 4: by nuts, absolute crazy people.
Speaker 1: And I don't get it. I just don't get how
Speaker 1: bad it is. And it's more.
Speaker 4: We are more liberal and progressive than California.
Speaker 1: I swear to god, we are.
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Speaker 4: one hundred. So, uh, Wade has an issue with something
Speaker 4: with tires at Walmart.
Speaker 1: Wade good Man, what's going on?
Speaker 7: Hey, longtime listener, first time caller, And you're probably gonna
Speaker 7: love this one because I know you love these tires,
Speaker 7: so we'll talk about it.
Speaker 1: I have some.
Speaker 7: I had some tires installed at Walmart Auto Care Center
Speaker 7: at four forty Wadsworth Boulevard and Lakewood clear back in.
Speaker 7: Let's see, it would be this January fifth, twenty twenty one,
Speaker 7: and I had the beautiful bridgestone run flaps installed all
Speaker 7: the way around the car and I got old.
Speaker 1: Okay, so it was in January of twenty one.
Speaker 4: January of twenty twenty one, four Okay, keep going fires.
Speaker 7: This is a car that hardly gets driven at all
Speaker 7: because I have four cars. Everything went good for several
Speaker 7: years and then up until last year twenty twenty four.
Speaker 7: At this end, I started getting a light that I.
Speaker 1: Had a low tire.
Speaker 7: Well, I found a screw in the right rear run flat.
Speaker 7: So I said, oh, no, big deal, just take it
Speaker 7: back to Walmartin and get it fixed. Well, I found
Speaker 7: out they don't like fix and run flats anymore, and
Speaker 7: they said the tire could not be repaired, it was
Speaker 7: done for. So I said, okay, well.
Speaker 4: What do we by the way, that's not hold on, bro,
Speaker 4: I just want to It's not entirely it's not entirely true.
Speaker 4: They don't like run flats anymore. The problem with run
Speaker 4: flats is they can't be repaired.
Speaker 7: Exactly, and that's what they said. This one could not
Speaker 7: be repaired.
Speaker 1: No, most most run flats. The only time, the only
Speaker 1: time a run.
Speaker 4: Flat can be repaired, would be a minor minor, minor
Speaker 4: puncture in the tread, nothing even approaching the sidewall. So
Speaker 4: the benefit of a run flat it gets you to
Speaker 4: a tire place when you have a flat, But the
Speaker 4: disadvantage is it can't be repaired, so when it can't
Speaker 4: be repaired. You're looking at replacing it, but they will
Speaker 4: never replace just one if it has any wear on it,
Speaker 4: So now you're faced at buying at least two and
Speaker 4: sometimes four tires for one flat. I ran into a
Speaker 4: case where I had a flat on my sidewall, on
Speaker 4: my run flat, and I ended up with a two
Speaker 4: thousand dollars bill.
Speaker 7: Well that's about where I'm at right now, because, as
Speaker 7: I said, they said that they could not fix the
Speaker 7: one tire with a screw in it. They did not
Speaker 7: make them anymore, and I needed all new tires. And
Speaker 7: the manager, her name is Betty Ann. She even said,
Speaker 7: don't worry, We'll just buy you all new tires. It
Speaker 7: sounded good at the time, but all of a sudden
Speaker 7: she quit calling me nothing. And then finally I started
Speaker 7: going by the store and say what am I going
Speaker 7: to do here? And finally one guy says, well, our
Speaker 7: big manager for the store said, just go ahead and
Speaker 7: order a whole new set of tires and bring it.
Speaker 7: Men here will install them and will reimburse you. I said, fantastic.
Speaker 7: I did exactly that. I ordered a whole set of
Speaker 7: BF Goodrich brand new tires from Walmart.
Speaker 15: Dot com.
Speaker 7: They were delivered there to the tire shop where they
Speaker 7: first set was pulled off. They installed them, wrote hazard
Speaker 7: warranty again. I always have full warranties. I was sitting
Speaker 7: in the waiting room when they said, your car's almost ready,
Speaker 7: and I was looking at my credit card and somebody
Speaker 7: credited my count. It all went away, he said, The
Speaker 7: managers in the back room working on issuing you a reimbursement.
Speaker 7: Sounded great. I walked out the door happy as could be.
Speaker 7: The next and I locked my credit card because the
Speaker 7: credit card only had that on it. The next morning,
Speaker 7: I woke up and lo and behold, Walmart charged my
Speaker 7: credit card one thousand, one d and fifty eight dollars
Speaker 7: and eighty six cents. I immediately called the credit card
Speaker 7: and get I did a dispute on it. They started
Speaker 7: the dispute papers. I had to send all my papers
Speaker 7: into them, showing the original tires. I bought the second
Speaker 7: set of tires. I bought all fully warranted blah blah blah.
Speaker 7: And that's where we're at now.
Speaker 5: Now.
Speaker 7: A couple of weeks I went by and I noticed
Speaker 7: the credit issue. But it's a provisional credit from a
Speaker 7: credit card company. They're still battling out with Walmart. So
Speaker 7: that's where I'm.
Speaker 5: At right now.
Speaker 4: Okay, let let me explain a few things that you're
Speaker 4: not going to want to hear, and then a few
Speaker 4: other things, and wait, I'm just going to give you
Speaker 4: the black and white.
Speaker 1: Okay, they don't owe you the tires. Okay, they just don't.
Speaker 4: You bought a tire and it went bad and they
Speaker 4: can't repair it. It's not because they don't make them anymore.
Speaker 4: It's because they can't repair it. It has nothing to
Speaker 4: do with whether they make them or not. They can't
Speaker 4: repair it, and you can't just buy How many miles
Speaker 4: were on this car?
Speaker 1: How many miles were on these tires?
Speaker 7: Five thousand?
Speaker 4: Okay, that should be with a five thousand miles, you
Speaker 4: shouldn't need all four new tires. That should be well
Speaker 4: within replaceable range where you can replace one of those tires.
Speaker 4: So if I were you, I would have looked for
Speaker 4: one replacement tire period and put it on there and
Speaker 4: you would have been fine.
Speaker 1: Okay. I don't know why they said you needed all
Speaker 1: new tires. That was wrong. You did not need all
Speaker 1: new tires.
Speaker 7: Yes, they were right, they said that the gap to
Speaker 7: get only tires because they couldn't find any if they
Speaker 7: were discontinued. And I looked on the web too, and
Speaker 7: they were discontinued. And then I called several places. They
Speaker 7: said Bridgestone discontinued the run flats completely.
Speaker 4: Well, okay, but that doesn't mean you couldn't find one.
Speaker 4: Okay if they discontinue them, Okay, but here's the deal,
Speaker 4: you didn't.
Speaker 1: It's too late now anyway.
Speaker 4: But I believe at the time we could have found
Speaker 4: even if it wasn't a Bridgestone, we could have found
Speaker 4: an acceptable replacement tire that you could have put on
Speaker 4: your car. Okay, I know you could.
Speaker 1: Have, and it could have been a run flat and
Speaker 1: it would have been fine.
Speaker 4: The problem is, and they even have places that will
Speaker 4: shave those tires down to match the others, so you
Speaker 4: don't have to buy all four. But that's too late now. Now,
Speaker 4: you bought four new tires under the premise that they
Speaker 4: were going to pay for them. Well, in my opinion,
Speaker 4: that's a contract. So do you have proof that they
Speaker 4: said they would pay for them?
Speaker 7: Yeah, just vocal from the manager and a couple of workers.
Speaker 4: There are they denying it? Well, they deny it on
Speaker 4: your dispute. Are they saying we never told them that?
Speaker 4: What are they saying nothing? They're saying nothing. I can't
Speaker 4: get her to call me. I've left well messing my name.
Speaker 1: Well, we need to put this.
Speaker 4: To one of our deputies to intercede for you, because
Speaker 4: you don't sound like you're flat out lying.
Speaker 1: But here's the bottom line. You claim that they.
Speaker 4: Said, since we can't in this tire, you're gonna need
Speaker 4: all FOURIGN new tires and we will buy them for you.
Speaker 7: Now, they didn't say that buy them for me. They
Speaker 7: said I'd have to buy them on my own and
Speaker 7: then they'd reimburse me.
Speaker 4: Okay, good's that's all the better because then that shows
Speaker 4: the logical, the logical progression.
Speaker 1: Where on your card and you were waiting to be reimbursed.
Speaker 7: They took off Yeah, they took off the But here's.
Speaker 1: What I want to know.
Speaker 4: Hold on, hold on, hold on, hold on, bro If
Speaker 4: they said you got to buy them and then we're
Speaker 4: going to reimburse you, why would you contest the charge
Speaker 4: then when it showed up the next day.
Speaker 1: That doesn't make sense to me.
Speaker 7: Well, no, she took the charge off my credit card
Speaker 7: the day after they put them on, so I thought
Speaker 7: we were done. I was literally sitting in the tire
Speaker 7: waiting room and I asked the guy at the counter.
Speaker 7: He goes, she's in the back room working on your
Speaker 7: your reimbursement. And sure enough, I opened my credit card
Speaker 7: app and it vanished. It vanished, the credit card went
Speaker 7: back to having a zero balance. I put the lock
Speaker 7: on my card and I went home and I checked
Speaker 7: it all day and that night and it was zero balance.
Speaker 7: And then the next day the next day, Oh, I
Speaker 7: get it.
Speaker 1: Oh I get it. Okay, okay, okay, got it, got it?
Speaker 7: Got so and I seen it, really well, that is
Speaker 7: odd all my card and said, I'm going to dispute
Speaker 7: this right.
Speaker 4: That's when you can test it. When you saw it,
Speaker 4: rep you can tested it. I understand that completely. So
Speaker 4: what's the latest you hear from them?
Speaker 1: Nothing?
Speaker 7: I've left about five more calls at Walmart and they
Speaker 7: won't return my call. So the only people I'm dealing
Speaker 7: with right now is my credit card.
Speaker 4: Okay, we need to deal with it. We need to
Speaker 4: get somebody on this case. Deputy deal take it. Okay,
Speaker 4: he's right here right now. He'll be calling you and
Speaker 4: then what we'll do. He'll probably call you later, but
Speaker 4: what we'll do is we'll contact the Walmart for their
Speaker 4: side of the story and try to get the ball rolling.
Speaker 1: I really don't think I believe you. I believe every
Speaker 1: bit of it. Otherwise, why would they have credit to you.
Speaker 7: The first time I got all my ben I took
Speaker 7: screenshots of all that, where it was, where it appeared.
Speaker 1: One thing.
Speaker 4: One thing I want to tell you, and I want
Speaker 4: to tell other people that complain. When you tell this
Speaker 4: story from here on out, you don't have to go
Speaker 4: into so much detail about the first set of tires,
Speaker 4: because then they start disputing, to begin with saying, well,
Speaker 4: it's not our fault, you got a nail.
Speaker 1: So what I would say is simply this, I bought tires.
Speaker 4: Brand new bridge stones, and I needed four new ones
Speaker 4: because they discontinued support for the bridge stone and I
Speaker 4: couldn't repair one of them.
Speaker 1: Period. I wouldn't get into the nail or anything.
Speaker 4: Then I'd say they agreed to reimburse me, which they did,
Speaker 4: and everything was fine until the next day they put
Speaker 4: it back on my card. It's that simple, because then
Speaker 4: then these people, then these people would have to say,
Speaker 4: wait a minute, we didn't agree to that, but then
Speaker 4: they did because you have proof they took it off
Speaker 4: your card the first time, but then put it back
Speaker 4: on the next day.
Speaker 1: So you have a really good paper trail.
Speaker 5: Yes I do.
Speaker 1: So you hang on Wade.
Speaker 4: Will you hang on bro And we're going to help
Speaker 4: you out three oh three seven to one three eight
Speaker 4: two five five. We have more coming up on the
Speaker 4: Troubleshooter Show, and I urge you to get your calls
Speaker 4: in if you need help.
Speaker 1: Kind of like this.
Speaker 4: You have an issue, whatever you do, don't let it fester.
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Speaker 4: when you choose Frank durand the real estate man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two year old sixteen twenty two Tom marks
Speaker 4: you know you're Jay.
Speaker 1: You have a comment on this tire issue with Wade.
Speaker 4: He had four run flats, one went bad and oh
Speaker 4: Jay hung up.
Speaker 1: I'm sure to fill out.
Speaker 4: Sorry Jay, Jay, you can call back if you'd like,
Speaker 4: but listen, this is the problem with run flats. If
Speaker 4: you buy a new car, negotiate to have him taken off.
Speaker 4: A run flat is for convenience and is for girly girls.
Speaker 1: It's for I'm just.
Speaker 4: Kidding guys, but it's like, when you get a flat,
Speaker 4: you can drive anywhere. You can drive under fifty miles
Speaker 4: an hour and fifty miles fifty to fifty. That's it.
Speaker 4: It's not meant to run flat forever. It's run to run.
Speaker 4: It's made to run to the neck, to the store.
Speaker 4: So it all it does is keeps you from having
Speaker 4: to jack up and putting on a spare that's all
Speaker 4: it does, or calling triple A.
Speaker 1: I'd rather call triple A okay.
Speaker 4: And if it's a regular tire, you can fix it
Speaker 4: ninety percent of the time. If it's a run flat,
Speaker 4: you can't fix it ninety percent of the time. So
Speaker 4: if your run flat has five thousand or under, you
Speaker 4: can replace it. If your run flat has more than
Speaker 4: five thousand miles, you have to buy all four of them.
Speaker 1: Now, I swear to God, that is what you're buying.
Speaker 4: When you buy a run flat, you're buying a peck
Speaker 4: of trouble. And that trouble means a two thousand dollars spare,
Speaker 4: excuse me, a flat, a two thousand dollars flat. You
Speaker 4: buy it once and then you get a flat. You're screwed.
Speaker 4: It doesn't matter where it is. They can't repair them.
Speaker 4: They won't, I say ninety percent of the time.
Speaker 1: They won't repair them.
Speaker 4: Even technically the manufacturer says you can't repair them at all,
Speaker 4: but some places will at least attempt to repair them.
Speaker 4: If the damage is a puncture, not a tear, but
Speaker 4: a puncture from the in the main tread area.
Speaker 1: They will not go up the side. Ever, So if
Speaker 1: you have a.
Speaker 4: Puncture in the main tread area, some shops will repair
Speaker 4: them and there's nothing wrong with it, even though they
Speaker 4: say they shouldn't be repaired. You can plug those suckers
Speaker 4: just fine. And that's what I would do. But if
Speaker 4: you get any kind of a flat outside of the
Speaker 4: tread area, you're looking at buying four new tires unless
Speaker 4: you have less than five thousand miles on them. Now,
Speaker 4: there are people who will say right now, and they'll say, well, Tom,
Speaker 4: you can always buy a new run flat for the
Speaker 4: one that you flatted and shave it down to match
Speaker 4: the other three. Yes, that can be done. Very few
Speaker 4: people do that. Tire shaving, very few people do it.
Speaker 4: What you're doing is buying a hassle. It is a
Speaker 4: big hassle. Three h three seven to one three talk
Speaker 4: seven one three eight two five five. I'd like to
Speaker 4: know if any of my deputies have any follow ups.
Speaker 4: If not, I'm going to go to some very important
Speaker 4: things I wanted to discuss.
Speaker 1: Now, this should be obvious. I think it should be.
Speaker 4: How many times either a venmo or a store, a menu,
Speaker 4: park bench you've seen a QR code and you scan it,
Speaker 4: you don't think two things about it. A QR code
Speaker 4: for a menu pretty easy. You scan it, you get
Speaker 4: a menu. If you're at a reputable restaurant, nothing to
Speaker 4: worry about. But let me explain what some people are doing.
Speaker 4: They're putting QR codes over the one in the restaurant
Speaker 4: of their own. It still brings up the menu, so
Speaker 4: you're not suspicious, but it also plans a virus on
Speaker 4: your phone or spywear, or you may find somebody unscriptless.
Speaker 4: Let's even say a valet guy and he has a
Speaker 4: Venmo for his tip. I venmo people for tips where
Speaker 4: they send you a pay request. What you don't understand
Speaker 4: is they can alter that QR code to do two things,
Speaker 4: one to take you to their Venmo, but the second
Speaker 4: one is to install spywear. So you pay the guy
Speaker 4: ten bucks and a few weeks later, five hundred dollars
Speaker 4: shows up going to somewhere. So QR codes I love them,
Speaker 4: but when you scan QR codes that have been manipulated
Speaker 4: or from people or things you don't trust, you can
Speaker 4: find some serious trouble on your phone.
Speaker 1: It's the new.
Speaker 4: Way they're getting these viruses on your phone, you are
Speaker 4: voluntarily doing it. In fact, there are park benches and
Speaker 4: there are like advertisements all over the place that carry
Speaker 4: QR codes. You never know whether those QR codes are
Speaker 4: safe or not. Now, obviously, if you're inside a Nordstrom
Speaker 4: and you see a QR code at the jewelry counter,
Speaker 4: you know, most likely you know you want to read
Speaker 4: about that piece of jewelry it's going to be fine.
Speaker 4: Or you're at a restaurant and you look at the menu,
Speaker 4: or or you want to Venmo the guy park in
Speaker 4: your car a tip. Those con related and then especially
Speaker 4: strange ones like I know that Dragon likes to scan
Speaker 4: the QR codes in the men's room, but you can't
Speaker 4: do it. It's not safe. You could pick up a virus. Well,
Speaker 4: actually there's world that's a double entire you're gonna take
Speaker 4: up way warning a virus.
Speaker 1: Yeah, but boom.
Speaker 4: Anyway, we got more more And I'm just kidding about
Speaker 4: about him scanning the QR codes. He usually just copies
Speaker 4: down the numbers from the crayon three oh three seven one,
Speaker 4: three eight two five five Go with a sure thing
Speaker 4: Denver's best roofer Excel roofing dot com. You don't pay
Speaker 4: a cent until you're content than time for an insurance
Speaker 4: check up free no obligation. In comparison, call Compass Insurance
Speaker 4: paying too much your coverage at dozens of insurance companies
Speaker 4: find out now three oh three seven seven to one help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hey Tom Martino here, Welcome to the show.
Speaker 4: Three oh three seven one three talk seven one three
Speaker 4: eight two five five. Remember call with problems question you
Speaker 4: can place for getting to the end of one hour,
Speaker 4: have another hour of the third hour, have another hour
Speaker 4: to go.
Speaker 1: And I want to talk about stocks. We talked about
Speaker 1: a little.
Speaker 4: Stocks are down and a lot of that is anxiety
Speaker 4: over tariffs, bottom line. And I wanted to just mention
Speaker 4: this when it comes to influx in the market and
Speaker 4: x flux if that's the word, exodus out of a market,
Speaker 4: you have movement in stock no matter what. If you sell,
Speaker 4: you cement your loss. It's not wise to do unless,
Speaker 4: of course, let's put it this way, we're in such
Speaker 4: a free fall. The entire country's failing and it's a
Speaker 4: major recession. But that's not happening. And the way you
Speaker 4: know that are the other fundamentals. You look at inflation,
Speaker 4: you look at unemployment, you look at production. There are
Speaker 4: things called lead and lag indicators. What you want are
Speaker 4: the lead indicators and leading indicators tell you what the
Speaker 4: economy is doing.
Speaker 1: And right now, our leading.
Speaker 4: Indicators are positive, okay, and then our currents, however, indicators
Speaker 4: are not so positive because of anxiety over terrists and
Speaker 4: what could possibly happen. That falls under the topic of perceptionomics. Now,
Speaker 4: perceptionomics can make people move in and out of markets rapidly.
Speaker 4: People cement their loss and then they're out. Some people
Speaker 4: look for opportunities. Those are the wise ones, because when
Speaker 4: you have a lot of money going to cash and
Speaker 4: people selling, you have deals with stocks. Right now, Walmart's
Speaker 4: a great deal. It's a great deal, and don't try
Speaker 4: to time the bottom. You can buy a little now
Speaker 4: and if it goes down by a little more and
Speaker 4: you do what's called dollar cost averaging. But most people don't.
Speaker 4: Most people buy it on the way up. That's not
Speaker 4: the way to do it. So now's the time to
Speaker 4: be buying quality stock and staying put. If you have
Speaker 4: some losses in a regular stock, don't sell the buy.
Speaker 1: Don't sell your loss to buy one on sale. You've
Speaker 1: just traded dollars.
Speaker 4: The other thing, when you have a lot of cash
Speaker 4: outside of the market waiting to come back, as soon
Speaker 4: as indicators look better, they start coming back, and that's
Speaker 4: when you get the ones you bought on sale to grow.
Speaker 4: So it takes a lot of sophistication. You don't just
Speaker 4: buy and sell a knee jerk. And it was Warren
Speaker 4: Buffet who says when everyone else is feeling bold, he's cautious,
Speaker 4: and when everybody else is cautious, he's bold. I mean,
Speaker 4: that's not the exact quote. I guess I can find
Speaker 4: it if I need to. So I want to say
Speaker 4: all this that truly, and I mean this sincerely. If
Speaker 4: you have anxiety, money anxiety, if you want to talk
Speaker 4: and consult with us, where be happy to do it,
Speaker 4: free of charge, no obligation. I swear to you when
Speaker 4: I say that, I mean it. We have people now
Speaker 4: that we're helping under no obligation whatsoever, that call us
Speaker 4: and email us all the time for advice. So if
Speaker 4: you want to do that you can call us at
Speaker 4: three oh three seven seven to one help three oh
Speaker 4: three seven seven one four three five seven.
Speaker 1: And I'm talking specifically about Wave eight.
Speaker 4: Wealth Management, my company, and you can text me personally
Speaker 4: on this Google number seven four seven.
Speaker 1: Baby.
Speaker 4: That's the text for the show seven four seven fifty
Speaker 4: two eighty And I'd love to talk to you speaking
Speaker 4: about that. Somebody says it text me here is QC
Speaker 4: Colorado is still a good company to buy an attic
Speaker 4: or whole house fan. First of all, it's a whole
Speaker 4: house fan and QC Colorado is a great company.
Speaker 1: Now, it's not the only company that sells the quiet
Speaker 1: cool whole house.
Speaker 4: Fan, just so you know that they're not the only company,
Speaker 4: but they specialize in it. So I like them because
Speaker 4: they do specialize in it. And these whole house fans,
Speaker 4: you cannot go wrong with them. You just cannot go wrong.
Speaker 1: You need to have it.
Speaker 4: It it It destratifies the air in your home, and
Speaker 4: that's very, very important. So you destratify the air you
Speaker 4: even out to temperatures so your HVAC works less. It's
Speaker 4: only really to be used in the summer. Sometimes you
Speaker 4: can use it and get away without using air conditioner
Speaker 4: much of the time. I do that myself. Now, the
Speaker 4: only caveat is this. If you have a whole house fan,
Speaker 4: you must make sure your attic is well ventilated so
Speaker 4: it can take the air coming out of the hot
Speaker 4: air out of your home and expel it through the attic.
Speaker 4: But remember, the whole house fan is not an attic fan.
Speaker 4: The whole house fan is a whole house fan. An
Speaker 4: attic fan is completely separate that ventilates your attic. Sometimes
Speaker 4: you need it, sometimes you don't. But having one without
Speaker 4: the other is foolhardy. Okay, we got another hour to
Speaker 4: go three oh three seven to one three you talk
Speaker 4: three oh three seven one.
Speaker 1: Three eight two five five.
Speaker 4: Stick around for more on the Troubleshooter Show. Go with
Speaker 4: a sure Thing Denver's best roofer Excel Roofing dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up, free no obligation comparison
Speaker 4: call Compass Insurance. Pay too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the Real Estate man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two rift of.
Speaker 1: You needed, so you don't have come run incous.
Speaker 2: As fast as we can, Shooter's gonna help come man.
Speaker 1: This is the Troubleshooter Show.
Speaker 18: No Tom Martine, Hello Tom mart You know here three
Speaker 18: O three seven to one three talks seven one three
Speaker 18: eight two five five, The show that.
Speaker 4: Talks about everything, the everyday aches and pains, the things
Speaker 4: that make you tick, the things that tick you off.
Speaker 4: Proud to be doing it for nearly fifty years forty
Speaker 4: five in Denver and actually fifty years or more outside
Speaker 4: of Denver. But we're here and that's what counts. To
Speaker 4: solve problems, answer questions, and take complaints. So Rod is
Speaker 4: next on the agenda. Here, I have all my deputies
Speaker 4: standing by to help people ask. Where deputies come from, Well,
Speaker 4: usually they're on daily from prison, but we let them
Speaker 4: work with us, just kidding, of course. They're good people,
Speaker 4: retired executives, people in business, doctors, lawyers, accountants.
Speaker 1: We don't hold that against them. Rod. What's going on
Speaker 1: with you? You have a question?
Speaker 9: Yeah, I do. Thank you for taking my call. First
Speaker 9: of all. I heard you talking earlier about ten minutes
Speaker 9: ago about finanswers and what to do with money in
Speaker 9: the stock market. I have a little over seven hundred
Speaker 9: and fifty thousand in cash, if you will, and you
Speaker 9: were talking about, you know, getting back into the market,
Speaker 9: makes sure you pick the right stocks. But is it?
Speaker 5: So?
Speaker 1: Where is it right now? Rod? Where is it right now?
Speaker 9: I've got it split between two locations. One is a
Speaker 9: bank and the other is a savings alone.
Speaker 4: Are you getting any interest or returned at all?
Speaker 9: A little bit? Not nearly what I should be getting,
Speaker 9: And that's why I need to do something with it.
Speaker 1: And I'm really okay.
Speaker 9: Is our individual stock the right move or would you
Speaker 9: say no? We could talk in depth funds and things
Speaker 9: like that.
Speaker 4: Well, I'm going to tell you in general, sure, Rod,
Speaker 4: No matter what, no matter what you want return And
Speaker 4: depending on your time horizon, you want a little bit
Speaker 4: of risk or a little more risk, never a lot
Speaker 4: of risk.
Speaker 1: What age? How old are you?
Speaker 9: Sixty two? But I'm not really risk adverse. I'm not
Speaker 9: stupid either, but I'm also no.
Speaker 1: No, I understand uptight. Okay.
Speaker 4: Now, Now here's what's really important, Rod, really important?
Speaker 1: Do you have an emergency fund. Oh yeah, okay, so
Speaker 1: that's seven point fifty is extra above your emergency fund, right, yeah,
Speaker 1: we did.
Speaker 9: This is money. I hate to say it like this
Speaker 9: because it sounds arrogant, but it's play nine. If God
Speaker 9: we can kind of play with it.
Speaker 4: No, No, Rod, I Rod, I get you. I get
Speaker 4: what you're saying. I always advise people when they come
Speaker 4: to Waveight Wealth Management, the very first thing we do
Speaker 4: is to make sure they have an emergency fund, a
Speaker 4: contingency fund for unforeseen events. The second thing we tell
Speaker 4: them to do is to pay down high interest debt
Speaker 4: because obviously I knew a girl one time who had
Speaker 4: one hundred thousand invested in the market, and she had
Speaker 4: one hundred thousand in high interest debt and she was
Speaker 4: so I said, do you understand when you're paying eighteen
Speaker 4: percent in debt and you're making eight or nine percent
Speaker 4: in the market, you are net negative every month. I mean,
Speaker 4: you're not making money. So you do away with high
Speaker 4: interest debt. And I know, Rod, you're probably more sophisticated
Speaker 4: than this, but I mentioned it only because other people
Speaker 4: are listening. So you make sure you have your emergency fund,
Speaker 4: your high interest debt. You have then play money or
Speaker 4: investment money. What you need to do is get some
Speaker 4: kind of return. Bank accounts are stupid, So the very
Speaker 4: first thing I always recommend for people who are risk
Speaker 4: adverse is a T bill account.
Speaker 1: You'll never go wrong with Treasury bills never.
Speaker 4: The only risk you get is the risk of losing
Speaker 4: upside potential. So I would definitely secure some kind of
Speaker 4: income fund like that, or even a Schwab account that
Speaker 4: pays about five or six percent a year, just to
Speaker 4: sit there. Once you do that, then you take a
Speaker 4: look at investing. Now, I'm not going to tell you
Speaker 4: not to invest individual stocks. I'm going to use Mark
Speaker 4: Major as an example. He's a good and bad example.
Speaker 4: What I mean by that is not many people can
Speaker 4: do what he does. I'm going to give you him
Speaker 4: as an example. If Mark Major comes to us for
Speaker 4: wealth to Wave eight Wealth Management, and he tells us
Speaker 4: what he's been doing, and we look at what he's
Speaker 4: been doing, we probably wouldn't be able to help him.
Speaker 4: The reason is he babysits his accounts like a babysitter,
Speaker 4: and he invests in stocks, and he buys and sells.
Speaker 4: He has different hold times in other words, he is
Speaker 4: his investment advisor. He does a lot of research. Sometimes
Speaker 4: he does some knee jerk reactions. Sometimes they work, sometimes
Speaker 4: they don't. But that's the way he is. Those kinds
Speaker 4: of people who like doing that we don't compete with.
Speaker 4: We don't try to the next kind of person we
Speaker 4: don't help are people who have a business and they're
Speaker 4: building that business to be taken over by private equity.
Speaker 4: Every penny they have goes into that business. It might
Speaker 4: be home improvement, it might be hvac, it might be plumbing,
Speaker 4: it might be something.
Speaker 1: But what they do is they build up that company
Speaker 1: and sell it.
Speaker 4: And how can I tell them don't put your money
Speaker 4: in that when they end up selling for twenty million
Speaker 4: or thirty million. Obviously, those kinds of people we can't help.
Speaker 4: Unless they have children, they want to set up accounts
Speaker 4: for stuff like that, we can help them.
Speaker 1: Okay, So then there are people like you and me.
Speaker 4: We have money, but we wonder what to do and
Speaker 4: for that rod you need an investment advisor. Now do
Speaker 4: I have a personal interest in saying that while I
Speaker 4: own Wave Wealth Management. Let me explain something to you.
Speaker 4: There's no before it was Wave Wealth Management. It was
Speaker 4: Wave Wealth Management, and I was the only client. I
Speaker 4: formed the company specifically to do research and to help
Speaker 4: me know where to invest and when to invest. And
Speaker 4: I personally didn't want to babysit it. So I formed
Speaker 4: this with people for me. I literally formed it for me.
Speaker 4: And in the beginning, because it was just me, the
Speaker 4: way I did it was paid them a performance fee
Speaker 4: for everything they made me.
Speaker 1: They got a portion of it. Literally they got fifty
Speaker 1: percent of it.
Speaker 4: Then, when it was very successful, about eight years later,
Speaker 4: I went public with it and became a registered advisory
Speaker 4: firm with a securities division, so we are a real firm.
Speaker 1: And then I took on other clients like me.
Speaker 4: So when you asked do we have an individual stock,
Speaker 4: do we have an individual of this or do we
Speaker 4: have accounts?
Speaker 1: It depends on the investor.
Speaker 4: With some investors, they have stocks, they have bonds with
Speaker 4: tax free income, and they have ETFs exchange traded funds,
Speaker 4: which are funds that track certain indexes.
Speaker 1: For others, we have just ETFs. For others we have
Speaker 1: just bond.
Speaker 4: They're only getting income and they're getting a little growth,
Speaker 4: but the main thing they want is income. So truly,
Speaker 4: broad truly, we customize every single client what ninety eight
Speaker 4: percent of all advisors do. Ninety eight If you give
Speaker 4: that not money, they're going to shake your hand round.
Speaker 1: They're going to say, Okay, what's this, what's this? What's this?
Speaker 4: They ask you a bunch of questions, and I promise
Speaker 4: you they take that money and place it with a
Speaker 4: giant investment firm and they never look at it again.
Speaker 4: They don't know anything about you or your account, but
Speaker 4: they make a spread for doing that. They are basically
Speaker 4: just middlemen and the big guys. When you call and
Speaker 4: say to your middleman, hey, I noticed my stock is
Speaker 4: down or my account is down three percent this month.
Speaker 1: But the whole stock market's up. Why is that happening?
Speaker 1: No one can tell you.
Speaker 4: They go to the giant firm and they say, to
Speaker 4: the giant firm, can you tell me about Rod's money?
Speaker 4: And they say, what do you mean Rod's money? Because
Speaker 4: Rod's money is in a giant pool of other rods.
Speaker 4: So that's what you get ninety percent of the time
Speaker 4: when you go to a financial advisor. Other times you
Speaker 4: go to what I call pill pushers. They push insurance,
Speaker 4: they push annuities, they push certain funds because that's where
Speaker 4: they're making their money.
Speaker 1: Is it best for Rod? It might be.
Speaker 4: I mean I have seen too many of these products
Speaker 4: pushed because people are working for companies and they're being
Speaker 4: told to push things. So when you ask me what
Speaker 4: I do individual stocks or stock funds, the question would be,
Speaker 4: after about a half hour meeting with you, we'd be
Speaker 4: able to tell you what you think what you should do.
Speaker 1: And that's the real truth of it. There's no sexy answer.
Speaker 4: There's no answer that says, yeah, we'll take care of
Speaker 4: you and you're gonna make.
Speaker 1: Lots of money.
Speaker 4: You know, Sometimes you make lots of money, sometimes you
Speaker 4: make a moderate amount. What you shouldn't do is lose indiscriminately.
Speaker 4: You lose when the market's down and there's nothing you
Speaker 4: can do about it with volatility, but you still position
Speaker 4: yourself defensively so you can at least preserve most capital. Now, again,
Speaker 4: different strokes for different folks, And anyone who has a
Speaker 4: pad answer is never ever ever being honest with you.
Speaker 4: Never never, And that includes no matter who it is.
Speaker 4: If they're selling one thing, avoid the one thing. If
Speaker 4: they're only selling.
Speaker 9: One thing, done it, okay?
Speaker 1: Anything else run?
Speaker 4: I mean, I didn't mean to preach to you, but
Speaker 4: but I'm so tired. I'm really tired of the industry.
Speaker 9: No, no, that's fine. You know I called, I asked
Speaker 9: the question and you gave me an answer. That's great.
Speaker 9: I The only thing I would ask is can you
Speaker 9: spell the name of the company because my hearing kind of.
Speaker 4: Blows wave as in ocean waves. Wave eight the number eight.
Speaker 4: So if you just if you just go to the
Speaker 4: website Wave eight Capital dot com the number eight, you'll
Speaker 4: get to us. You can also call me or you
Speaker 4: call us and leave a message at three oh three
Speaker 4: seven seven one help, So it's easy, seven seven one help.
Speaker 9: That's great. You're right. I got to do something with
Speaker 9: the money, because you're right. Be when I make you
Speaker 9: know off of it? Is it?
Speaker 1: Yeah? And get hearing aids. One thing you want to do.
Speaker 1: Get hearing aids. Rod.
Speaker 9: I hate to say this, but I have them, but
Speaker 9: I really don't like wearing them.
Speaker 1: And my wife, you know what, I have them too,
Speaker 1: and I don't like. I think you have the same
Speaker 1: problem I have. Rod.
Speaker 4: It's probably not the actual hearing, but don't you have
Speaker 4: words that get jumbled when.
Speaker 9: I'm in a crowd of people. They just don't yep.
Speaker 9: If I'm not in the crowd of people, I'm better off.
Speaker 1: But they have way better that.
Speaker 4: They have some really good technology now, really good technology.
Speaker 4: But I don't wear mine either, and I don't know
Speaker 4: why they're they're pain in the ass, But I will
Speaker 4: tell you this. They make some now I hear that
Speaker 4: can distinguish words, and I think that's what I need
Speaker 4: more than anything. Is not so much the hearing of sound,
Speaker 4: but the distinguishing of the different sounds. When people start talking,
Speaker 4: it's almost like they're mumbling. And then there are some
Speaker 4: that specifically cancel out the background noise, you know, kind
Speaker 4: of like headsets doing airplanes and helicopters. They're called noise
Speaker 4: canceling and they can cancel out the noise you don't
Speaker 4: want to hear, and you can hear only the stuff
Speaker 4: you want to hear. It's really remarkable stuff. And I
Speaker 4: think on the outside, for the best you can buy,
Speaker 4: you're looking at maybe six grand for the pair, and
Speaker 4: sometimes you get him down to four grand.
Speaker 9: So I got mine at four thousand. And what I
Speaker 9: can do with the pair that I have is you
Speaker 9: can upgrade the software to do exactly what you're talking about.
Speaker 9: So I have middle software, so to speak, but you
Speaker 9: could go like a couple more higher that, you know,
Speaker 9: you can do all sorts of fancy things with. I
Speaker 9: just haven't got to that point yet.
Speaker 1: So what is your what is the brand of the
Speaker 1: ones you have.
Speaker 9: There? You go, I take it they're good, they're you
Speaker 9: know something, okay either way? Either way, I can upgrade
Speaker 9: the software that takes some of the cant more of
Speaker 9: the noise out of the background and does this and
Speaker 9: does that. Yeah, yeah, I just you know what, I
Speaker 9: haven't gotten tired of saying that again, I can't hear you.
Speaker 1: Yeah, I know it, I know it, I know it.
Speaker 1: My wife gets tired of it.
Speaker 4: So but listen, man, Rod, listen to this. Give us
Speaker 4: a call seriously or text me and we'd be happy
Speaker 4: to talk to you. And you know you can text
Speaker 4: me on this private line right here. Seven four seven
Speaker 4: nine nine fifty two eighty. That's seven four seven nine
Speaker 4: nine nine Okay, cool, Yeah.
Speaker 1: We'll see you, bro. Take it easy. We got all right, man.
Speaker 1: We got more coming up on the Troubleshooter Show.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot Com.
Speaker 1: You don't pay a cent until you're content.
Speaker 4: Please time for an insurance check up free no obligation
Speaker 4: comparison call Compass Insurance Paying too much your coverage at
Speaker 4: dozens of insurance companies find out now three oh three
Speaker 4: seven seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate man
Speaker 4: dot com to list your home with remax Align three
Speaker 4: all three nine two zero sixteen twenty two. Hey Tom
Speaker 4: Martino here three all three seven one three talk seven
Speaker 4: one three eight two five five.
Speaker 1: So key bills right.
Speaker 4: Now, it's interesting to talk about very safe T bills.
Speaker 4: The four week is four point three two percent. So
Speaker 4: once you get in on the auction and you buy
Speaker 4: the t bills, they say in your account for four
Speaker 4: weeks and guarantee four point three two. Once you buy
Speaker 4: it at four point three two, if you buy a higher,
Speaker 4: stays higher, if you buy a lower, stays the lower,
Speaker 4: and it stays for the period of time you buy it.
Speaker 4: An eight week pays a little more four point three
Speaker 4: four thirteen week is four point one nine. Now that's
Speaker 4: what I find very odd. I just don't even understand this.
Speaker 4: That's so when you're talking about a thirteen week a
Speaker 4: thirteen week T bill three months as opposed to an
Speaker 4: eight week, and the longer one pays less. They're telling
Speaker 4: you that they believe that rates are going to.
Speaker 1: Be going down. That's what they're telling you.
Speaker 4: Listen to this, a twenty six week T bill that
Speaker 4: six months only pays four percent. You actually make more
Speaker 4: money with short term than long term whenever you have
Speaker 4: an inverse curve like that. They are saying that rates
Speaker 4: are going down, that's what they're saying, and they can't compete.
Speaker 4: So for fifty two weeks, they're only going to pay
Speaker 4: you four point two. Now, why would anyone go into
Speaker 4: a fifty two week T bill at four point two
Speaker 4: when they can just revolve the four week at four
Speaker 4: point three. Still, you keep revolving them and it automatically
Speaker 4: buys back. It's really a good tool. And I put
Speaker 4: some of my money in that. So that's the most
Speaker 4: recent auction data on that. Now another question we have gotten.
Speaker 4: Let me get to this, because I really was fascinated.
Speaker 1: Everyone is. Everyone is blaming.
Speaker 4: Donald Trump for the egg prices, and they were on
Speaker 4: their way up way before he got into office. It's
Speaker 4: not it By the way, it's not Biden's fault either.
Speaker 4: The avian flu, the bird flu, really has taken a
Speaker 4: toll on the bird population, so there are fewer hens,
Speaker 4: fewer eggs, and higher prices. The virus is unpredictable. Unpredictable, Okay,
Speaker 4: So you have the anxiety in the market as well,
Speaker 4: which which affects the commodities, which affects the end price.
Speaker 4: Then you have the feed costs has gone up dramatically
Speaker 4: because partly because of climate issues.
Speaker 1: Now I'm not talking about climate change.
Speaker 4: I'm talking about the fact that we've had some droughts
Speaker 4: and stuff and some issues growing corn. There has been
Speaker 4: a glowbal demand for corn, especially from China. Our prices
Speaker 4: right now are at an all time high for feed
Speaker 4: fuel and fertilizer.
Speaker 1: Fuel. That's just in and of itself.
Speaker 4: Diesel prices are up, so transporting eggs and transporting chickens higher.
Speaker 4: Now there is a reduced flock size, partly because of
Speaker 4: that virus I talked about, but also because of this
Speaker 4: demand of cage free.
Speaker 1: A lot of people.
Speaker 4: Are driving prices up because they're demanding cage free and
Speaker 4: they just can't do as many chickens cage free as
Speaker 4: they can in cages. So the humane movement, while I'm
Speaker 4: all for it, it does raise prices.
Speaker 1: I'm willing to pay that, you know, But if you.
Speaker 4: Want to know, that's part of it too. Another one
Speaker 4: is the perceptionomics of it all. As these supplies get
Speaker 4: lower and prices get higher, it actually raised demand under
Speaker 4: the perception we better buy now. Now you can't stock
Speaker 4: up eggs like you need toilet paper, but you can
Speaker 4: a little.
Speaker 1: And people have been buying.
Speaker 4: Up eggs as soon as they find them, and that
Speaker 4: means demand is staying very steady or even increasing slightly.
Speaker 4: Then you have normal inflationary pressures, so that means the packaging, labor,
Speaker 4: the energy, all of that stuff is going toward with
Speaker 4: the egg producers the cost of doing business. Then you have,
Speaker 4: of course the normal retail markups. I mean, people are
Speaker 4: going to sell money, so you have you have all
Speaker 4: of those factors going into it.
Speaker 1: It's a perfect storm.
Speaker 4: Now regulations are going more toward humane farming practice in fact,
Speaker 4: and I don't think that's a bad thing. I'm not
Speaker 4: saying it as a good or bad thing. That means
Speaker 4: you're going to see production costs go up even higher
Speaker 4: because infrastructure is going to be changed completely. So in
Speaker 4: summer you have the flu, you have the society of
Speaker 4: consumer demand and slow recovery in there in the UH.
Speaker 1: In the food chain.
Speaker 4: As well, it takes a long time to get your
Speaker 4: flock rehabilitated when you had a b on flu. Man,
Speaker 4: that's pretty complicated, Isn't it all because of eggs?
Speaker 1: It's just uh, it's just such a commodity that people love.
Speaker 4: And by the way, contrary to what people used to
Speaker 4: say about eggs being unhealthy, they're not. You can eat
Speaker 4: all the eggs in the world. It's not going to
Speaker 4: raise your cholesterol. You don't eat cholesterol that does. That's
Speaker 4: not what causes cholesterol. In fact, eggs are probably the
Speaker 4: most perfect food because it is in and of itself
Speaker 4: a cell. You have the yolk in the sack, and
Speaker 4: you have the nutrition within itself, the fat it probably
Speaker 4: exists with the protein. The protein, fat and UH content.
Speaker 4: You have a perfect blend, and eggs are almost perfect food.
Speaker 1: Kate, what's going on with you? Kate? Welcome to the show.
Speaker 19: Hi Tom. I'd like to make just a quick comment
Speaker 19: before I ask my question in terms of all the
Speaker 19: layoffs and the firing. No one has mentioned that. I've
Speaker 19: heard about the cost of unemployment, which is going to
Speaker 19: be pushed off into the States. When your employee's become unemployed,
Speaker 19: they're eligible for unemployment insurance for up to a year
Speaker 19: eighteen months, and so that is really going to be
Speaker 19: I think, an expensive offset to all the layoffs and
Speaker 19: what they're supposed to you.
Speaker 4: You know, you know, I never even thought of that, Kate.
Speaker 4: I really haven't. But you're absolutely right. Not only do
Speaker 4: you have the sting of being unemployed, but now you
Speaker 4: have the states picking up that burden because it is
Speaker 4: a state program.
Speaker 1: That's right, That's right, Yeah, you're right out there now.
Speaker 4: Now. I don't anticipate I don't anticipate the unemployment of
Speaker 4: the federal workers having that much.
Speaker 1: Impact.
Speaker 4: I mean, I feel sorry for them, and maybe you
Speaker 4: know it's too bad, but I don't see them alone
Speaker 4: putting too much pressure.
Speaker 1: There's not that many of them.
Speaker 19: Well, I mean, there's fourteen thousand employees not laid off
Speaker 19: ones right at the Federal Center. Not to mention all
Speaker 19: of the buildings that they want to close, and who's
Speaker 19: going to release those buildings? Who wants to be in
Speaker 19: those old buildings. I mean, you know, so that's just
Speaker 19: a comment.
Speaker 1: But you're right.
Speaker 19: Let me ask the rooping question, right, And I'm asking.
Speaker 19: I've waited to ask this because I really want your
Speaker 19: true opinion, not a sales roofing issue. I have seen
Speaker 19: in my neighborhood. We are all of our homes are
Speaker 19: approaching ten years old. Okay, a lot of people are
Speaker 19: putting on one layer of shingles. What I would like
Speaker 19: to know is does that extend the life of your
Speaker 19: current roof without having to go out and get a
Speaker 19: whole new roof or build insurance for it. You just
Speaker 19: put on one new layer. What do you think?
Speaker 1: So you're I want to make sure I'm hearing you right.
Speaker 4: So people approaching ten years are putting a layer over
Speaker 4: their old layer?
Speaker 19: Yes, yes, and I'm assuming that they don't have existing
Speaker 19: damage or anything that you would be covering up. But
Speaker 19: will a new layer of asphalt on top of your
Speaker 19: current roof give you five ten more years?
Speaker 1: Okay?
Speaker 4: I'm going to say first, I want to ask a question.
Speaker 4: Are they doing this as a result of storm damage?
Speaker 1: We really have not.
Speaker 19: We live in Windsor Fort Collins.
Speaker 1: Why after ten years though?
Speaker 4: Here's what I'm asking why after ten years would they
Speaker 4: be doing anything, is what I'm asking.
Speaker 1: Why are they doing.
Speaker 4: That because your roof's not even close to being old
Speaker 4: at ten years, right?
Speaker 19: I think it's just to avoid the insurance hits.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank Durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martino
Speaker 4: here three oh three seven one three talk seven three
Speaker 4: two five five. Mark Major called in with a comment,
Speaker 4: go ahead, Mark, Hey, I just.
Speaker 12: Gotta, I gotta, I gotta let everybody know something. There
Speaker 12: is no way I'm going to allow disinformation. What that
Speaker 12: woman said about unemployment couldn't be more wrong. It's a
Speaker 12: lib card talking point, not saying she's intentionally lying. But
Speaker 12: if you are a federal government employee and you get
Speaker 12: fired and you were on any form and I mean this,
Speaker 12: any form of unemployment. Yes, the state pays out, but
Speaker 12: the federal government one hundred percent rein versus the state.
Speaker 12: So don't listen to all the bs out there.
Speaker 4: Okay, Mark, thank you for that. I did not know that.
Speaker 4: I know very little about unemployment. So you're saying that
Speaker 4: it's a federal born cost.
Speaker 9: Not the state and SNBC and everything.
Speaker 4: Okay, thank you, Mark, appreciate it. Kate back to you
Speaker 4: on the roofing. Okay, let's talk about this roofing here.
Speaker 19: Here's the state. Where is savings if the federal government
Speaker 19: has to pay for the laid off workers, where's the
Speaker 19: savings that they.
Speaker 4: Think, Well, because it's eventually going it's eventually going to end.
Speaker 4: Because it's eventually going to end. It's like a severance,
Speaker 4: it's it's you know, and I'm.
Speaker 1: Happy that they have it.
Speaker 4: But that's where that's where the savings comes in after that,
Speaker 4: and unemployment is not one hundred percent of their compensation anyway.
Speaker 19: Right, Okay, so what are your roofing Okay, now, I'm
Speaker 19: very curious now.
Speaker 1: On the roofing. On the roofing. I'm just going to
Speaker 1: say it like it is.
Speaker 4: There is no viable reason to cover up a ten
Speaker 4: year old roof, none.
Speaker 1: Zero.
Speaker 4: It extends no life for anything. It simply it simply
Speaker 4: gives you the life of the new roof.
Speaker 1: Okay.
Speaker 4: Now, one of the reasons people cover up roofing is
Speaker 4: to save money. Meaning if you had a hailstorm, you're
Speaker 4: allowed to cover it up twice. You're allowed to have
Speaker 4: three layers of shingle in most municipalities, however, and it
Speaker 4: does no harm to have them, and then eventually you
Speaker 4: strip it down to nothing and start over. Some municipalities
Speaker 4: don't allow that. Some roofs don't allow it, be structural
Speaker 4: the way they're built. But if your roof can take it,
Speaker 4: then people stack a roof to save on the cost
Speaker 4: of tear of tearing it off to start over. But
Speaker 4: as far as your neighborhood with no storm damage, I
Speaker 4: can think of no reason in the world why people
Speaker 4: are covering up one layer of good roofing.
Speaker 1: I have no idea.
Speaker 4: And it's either some roof or going door to door
Speaker 4: ripping them all, or somebody gave them bump information.
Speaker 1: There's no reason to do it.
Speaker 19: Okay, okay, yeah, I think people are just.
Speaker 4: And by the way, and yeah, well, I mean if
Speaker 4: they first of all, they should need nothing on a
Speaker 4: ten year old roof. There's something terribly wrong if their
Speaker 4: roofs are failing. And if they are failing at just
Speaker 4: ten years old. If you have failing roof, you don't
Speaker 4: cover it up, You take it off and start over.
Speaker 4: The only time you put you the only time you
Speaker 4: cover up a roof is when you have hail damage,
Speaker 4: and it's not failing. Hail damage doesn't always mean a
Speaker 4: failed roof, it doesn't always mean leaking, it doesn't always
Speaker 4: mean problems. And even when you do cover up a
Speaker 4: roof you have to make sure the roof underneath is viable.
Speaker 19: Makes sense, Okay, yeah, it.
Speaker 1: Really does, and I wouldn't waste any money. Thank you, Kate.
Speaker 4: I appreciate you calling really three oh three seven one
Speaker 4: three eight two five five Andrew, what is your what
Speaker 4: is your question on college invest.
Speaker 5: I was just wondering i'd get a five twenty nine
Speaker 5: plan for my children and as well, Yeah, you always
Speaker 5: have to go through like a broker to purchase that,
Speaker 5: because I think they're they're they're making a fee on
Speaker 5: the purchase and then they're making a fee on this.
Speaker 4: Well yeah, yeah, but no matter what, no matter what
Speaker 4: they make, one of your money is invested. No matter
Speaker 4: what fee they pay out, they don't take it out
Speaker 4: of your money. But you can go directly to college
Speaker 4: invest dot org. That's what I did when I got mine,
Speaker 4: and a five point twenty nine plan.
Speaker 1: It does. It's it's not a bad idea. It's just
Speaker 1: not bad. But in fact, some of them are even
Speaker 1: doing apprenticeship and community colleges with it.
Speaker 4: They're really opening up. And if you're in Colorado, then
Speaker 4: I would say college invest is what you want.
Speaker 1: And and that's not a broker.
Speaker 4: College invest dot org is not a broker, okay. And
Speaker 4: you can open up an account and what you already have?
Speaker 4: How many accounts do you have?
Speaker 5: Just one?
Speaker 1: Okay? Well it's a good plan because it grows, as
Speaker 1: you know, and the only time you pay tax on
Speaker 1: it is if you don't use the money for education.
Speaker 5: I see, okay, apprecire.
Speaker 1: And so how much do you have in one right now?
Speaker 1: How much do you have in one?
Speaker 5: About forty five thousand?
Speaker 1: That's very good.
Speaker 4: You're going to earn a lot of money in that
Speaker 4: and you got a deduction, didn't you going in? Did
Speaker 4: was that pre tax money?
Speaker 5: Yes?
Speaker 1: Good, So you get pre tax money. It's growing tax
Speaker 1: free and you can take it out tax free for college.
Speaker 1: So what has your rate of return.
Speaker 5: Been believe over the life it's been about fourteen percent?
Speaker 1: Again, Wow, that is pretty damn good. That's real.
Speaker 4: And that's taken into consideration your your tax savings.
Speaker 1: Right, yes, yeah, when will you be using that money?
Speaker 5: My kid's still probably of another eight years before they'll
Speaker 5: be out of high school.
Speaker 1: So you know what you got it? Man?
Speaker 4: You know now the only benefit that the only other
Speaker 4: thing you can do. And you mentioned kids plural and
Speaker 4: you have one account. You can have accounts for each child,
Speaker 4: which would allow you more minimums, I mean, if you
Speaker 4: wanted to, but if you're maxed out anyway, it.
Speaker 1: Doesn't matter absolutly.
Speaker 5: All right.
Speaker 1: But you did a.
Speaker 4: Good thing, man, No, no, you really did a good thing.
Speaker 4: And especially especially if they go in in state colleges,
Speaker 4: that's going to go a long way. And wait, you
Speaker 4: see how much that grows by the time they're ready
Speaker 4: in eight years. This is what This is a really
Speaker 4: good thing that Colorado has. And again other states have
Speaker 4: their versions, but we have one of the best.
Speaker 1: So you're you're in a good place.
Speaker 5: Can they use that for like the the room and
Speaker 5: board or is it just.
Speaker 4: Yes, yes, Nope, Nope, they've expanded it dramatically.
Speaker 1: You can use it for any direct school.
Speaker 4: Related Now now they they're gonna ask you, but you
Speaker 4: get to do it and then the consequences they they
Speaker 4: they audit you if they.
Speaker 1: Think is wrong. But it's pretty liberal on what you
Speaker 1: can use it for. Pretty liberal.
Speaker 4: Now if you go to a college, if you go
Speaker 4: to the website collegeinvest dot org, it'll tell you what.
Speaker 1: Is allowed for everything.
Speaker 4: And it's, like I said, it's really been expanded.
Speaker 5: Okay, I.
Speaker 4: Think you're in the right track. Yes, sir, thank you
Speaker 4: for calling. Three h three seven one three eight two
Speaker 4: five five Go with a sure thing Denver's best rufer
Speaker 4: excel roofing dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup, free no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: two zero sixteen twenty two