WEBVTT 1 00:00:00.320 --> 00:00:10.160 Yeah, ripped off. You don't need advice. Who you don't 2 00:00:10.240 --> 00:00:10.560 have to. 3 00:00:12.519 --> 00:00:17.760 Come running just as fast as we can. Shooter's gonna help. 4 00:00:17.559 --> 00:00:22.559 Me, come man Dix. He is the Troubleshooter Show. No 5 00:00:23.120 --> 00:00:23.879 tell Martino. 6 00:00:25.839 --> 00:00:28.600 Hey, lo, I'm Martino here, welcome to the show. We 7 00:00:28.640 --> 00:00:31.120 are here, of course, to solve your problems, answer your questions, 8 00:00:31.160 --> 00:00:32.920 take your complaints, make your life a little easier. 9 00:00:33.399 --> 00:00:35.880 Hey, do you know what this is? Of course you do, 10 00:00:37.640 --> 00:00:45.359 all right? You just get pulled over, sir, License and registration? Please? 11 00:00:46.840 --> 00:00:49.719 Do you know why I pulled you over? 12 00:00:52.119 --> 00:00:52.320 Now? 13 00:00:53.840 --> 00:00:57.240 Does that sound like a good question? Because Colorado's looking 14 00:00:57.240 --> 00:00:57.840 to outlaw it. 15 00:00:58.640 --> 00:00:59.240 Did you know that? 16 00:01:00.399 --> 00:01:05.319 So there's a bill being proposed that would prevent officers 17 00:01:05.879 --> 00:01:08.719 from even asking why. 18 00:01:08.519 --> 00:01:11.120 Did we pull you over? Do you know why I'm 19 00:01:11.159 --> 00:01:11.840 pulling you over? 20 00:01:12.799 --> 00:01:16.239 The bill introduced by the Colorado legislator says, no, we 21 00:01:16.280 --> 00:01:17.840 don't want officers to ask that. 22 00:01:17.920 --> 00:01:21.000 Do you know why? Because it incriminates people and let's 23 00:01:21.079 --> 00:01:25.400 use the other word, it's racist. I have no idea why. 24 00:01:25.439 --> 00:01:30.560 But look, I have learned one thing, no, two things. 25 00:01:31.319 --> 00:01:36.079 Everything in the world can be blamed on one racism, 26 00:01:36.480 --> 00:01:40.599 two climate change. Oh, let's add a third Trump, Mark, 27 00:01:40.640 --> 00:01:41.879 Do you think that covers all of them? 28 00:01:42.519 --> 00:01:46.840 Not anymore? But I agree with you. Yes, Okay, Now 29 00:01:47.840 --> 00:01:48.840 I got some texts. 30 00:01:48.879 --> 00:01:51.840 I always get mean text about Mark, and so I 31 00:01:51.920 --> 00:01:56.159 like reading them. And it's always and it is to market. 32 00:01:56.200 --> 00:01:58.879 They don't say Tom, they don't say lovely Tom. 33 00:01:58.920 --> 00:02:05.400 They say and one guy call you Mark Minor. Yeah. 34 00:02:05.480 --> 00:02:07.359 So it says Trump took off as a four percent 35 00:02:07.400 --> 00:02:11.159 unemployment rate, historically low and the strongest economy in the 36 00:02:11.199 --> 00:02:12.439 world's strongest stock market. 37 00:02:12.599 --> 00:02:15.719 Within two months, he's destroyed it. What say you, Mark? 38 00:02:16.680 --> 00:02:17.319 What say me? 39 00:02:17.439 --> 00:02:22.199 Is the economy is looking super spectacular, magnificent, the best 40 00:02:22.439 --> 00:02:26.159 economy ever. In fact, in fact, we just had a 41 00:02:26.240 --> 00:02:28.000 number come out today. Do you know what that was? 42 00:02:29.840 --> 00:02:32.199 Inflation came in lower than expected. 43 00:02:32.280 --> 00:02:35.240 Thank you, Oh you're right, No, you're right, actually, yeah, right. 44 00:02:35.439 --> 00:02:37.599 I want to talk to Pat Jolliffe, my partner over 45 00:02:37.639 --> 00:02:40.680 at Wave eight Wealth Management, for just a quick comment 46 00:02:40.759 --> 00:02:43.439 on the stock market economy. We sent out a letter 47 00:02:43.479 --> 00:02:45.599 to our investors and we wanted to let them know 48 00:02:45.639 --> 00:02:48.439 we have our pulse on it because really, with volatility, 49 00:02:48.639 --> 00:02:49.800 sometimes there's nothing you can do. 50 00:02:49.840 --> 00:02:50.000 Now. 51 00:02:50.000 --> 00:02:52.240 One thing you should never do, ever, ever, ever is 52 00:02:52.319 --> 00:02:54.360 run for cover. Well, no, excuse me, it's all right 53 00:02:54.400 --> 00:02:56.280 to run for cover. You should never exit and sell 54 00:02:56.319 --> 00:02:59.800 with losses. I mean people that panic like that. In fact, 55 00:02:59.800 --> 00:03:03.240 what was it that Warren Buffett famously said, do you 56 00:03:03.280 --> 00:03:03.919 remember the quote? 57 00:03:03.960 --> 00:03:10.520 Pat said, when others are carrying your fear? I don't know, 58 00:03:11.879 --> 00:03:15.439 old or something, be cautious. Can we hear Pat? I 59 00:03:15.479 --> 00:03:17.319 don't hear him. Can you bring him up? 60 00:03:17.360 --> 00:03:21.639 I can't hear him. Fine, okay, Oh well I don't know. 61 00:03:21.719 --> 00:03:24.680 Oh okay, my earpiece came out. Sorry, I got to 62 00:03:24.719 --> 00:03:25.439 fix my ear. 63 00:03:26.240 --> 00:03:27.319 What I like you to comment on. 64 00:03:27.479 --> 00:03:29.199 I know that a lot of people have a tendency 65 00:03:29.240 --> 00:03:31.400 to exit. I'm sorry, there we go a lot of 66 00:03:31.400 --> 00:03:33.240 people have a tendency to exit. 67 00:03:32.919 --> 00:03:36.439 When things are looking bad. What does that do, Pat? 68 00:03:36.479 --> 00:03:39.159 That cements your losses, doesn't it? 69 00:03:39.159 --> 00:03:39.560 It does? 70 00:03:41.479 --> 00:03:45.840 I mean, ye, there's there's absolutely nothing to secure your 71 00:03:45.879 --> 00:03:49.039 loss better than just selling out a loss. 72 00:03:49.120 --> 00:03:51.000 Now, well, go ahead of Mark. 73 00:03:53.719 --> 00:03:53.759 Me. 74 00:03:54.680 --> 00:03:57.520 Mark. Oh, I thought you were saying something. Mark. I'm sorry, 75 00:03:57.599 --> 00:03:59.120 I know you're saying so. 76 00:03:59.280 --> 00:04:01.120 I do want to throw something in real quick and 77 00:04:01.159 --> 00:04:04.360 then let's let Pat talk. But you know, people I 78 00:04:04.400 --> 00:04:06.479 think tend to forget with the tariff talk and the 79 00:04:06.520 --> 00:04:10.080 tariff's going in place. We're the largest marketplace in the world. 80 00:04:10.080 --> 00:04:14.639 We're basically the most successful, richest marketplace in the world. 81 00:04:15.039 --> 00:04:17.879 So to think that other companies aren't going to play 82 00:04:17.920 --> 00:04:20.920 ball and make things fair when we sell into other 83 00:04:21.000 --> 00:04:23.279 markets and they still want to sell into. 84 00:04:23.079 --> 00:04:24.480 Theirs is ridiculous. 85 00:04:24.519 --> 00:04:27.079 We're going to go through some bumpy times, but to 86 00:04:27.199 --> 00:04:30.360 think someone's not going to sell in to the largest 87 00:04:30.399 --> 00:04:32.800 flea market in the world, you're just insane. 88 00:04:34.240 --> 00:04:35.920 And I agree with that market war. 89 00:04:36.199 --> 00:04:41.079 You know, it's essential that the US is growing and 90 00:04:41.199 --> 00:04:44.800 operating and existing. I mean, the others cannot exist without 91 00:04:44.800 --> 00:04:47.920 the United States of America. And so to your point exactly, 92 00:04:49.160 --> 00:04:51.560 people will rally. This is a negotiating tool, right that 93 00:04:51.720 --> 00:04:55.240 tribes are excuse me, that Trump's playing and it has 94 00:04:55.279 --> 00:04:58.639 a lot to do with non economic issues and drum trafficking, 95 00:04:58.759 --> 00:05:00.879 those kinds of things. So going to come around and plane, 96 00:05:00.879 --> 00:05:02.480 I think we'll start to see that be reflected in 97 00:05:02.480 --> 00:05:03.279 the market as well. 98 00:05:04.639 --> 00:05:07.199 Okay, so pat people do a number of things. Either 99 00:05:07.240 --> 00:05:10.800 they sell off, take losses, and I don't know what 100 00:05:10.839 --> 00:05:13.279 happens to those people they sell off and take losses. 101 00:05:13.600 --> 00:05:14.439 Then you have other. 102 00:05:14.319 --> 00:05:18.319 People that go to cash and just wait, and then 103 00:05:18.360 --> 00:05:21.879 you have other people who sit and just actually some 104 00:05:21.959 --> 00:05:23.160 seize opportunities. 105 00:05:23.639 --> 00:05:27.319 What camp are you in, Well. 106 00:05:27.160 --> 00:05:30.279 I think it makes sense to adjust the portfolio when 107 00:05:30.319 --> 00:05:33.959 you've got molatility, if you're not already positioned well for 108 00:05:34.839 --> 00:05:37.199 molatility when it's going on. One thing that people don't 109 00:05:37.240 --> 00:05:39.879 realize I think is that a lot of the institutional funds, 110 00:05:39.879 --> 00:05:44.279 and particularly the pension funds, will will park the cash 111 00:05:44.360 --> 00:05:46.680 or go to conservative investments for a period of time. 112 00:05:46.759 --> 00:05:50.399 But these are like large defined benefit pension plans right 113 00:05:50.439 --> 00:05:53.600 that the government has and many municipalities and different states 114 00:05:53.600 --> 00:05:56.120 and things like that, and they know what those future 115 00:05:56.160 --> 00:05:58.120 liabilities are and they have to be able to. 116 00:05:58.040 --> 00:05:58.399 Pay for them. 117 00:05:58.439 --> 00:05:59.920 As a matter of fact, they continue to pay for 118 00:05:59.920 --> 00:06:03.120 them and their dollar cost averaging and reverse if they're 119 00:06:03.120 --> 00:06:05.560 making pension payments out when the market's going down. So 120 00:06:05.600 --> 00:06:07.879 they might go to reserve cash for a while, but 121 00:06:08.120 --> 00:06:11.519 in order to maintain those future liabilities, they have to 122 00:06:11.560 --> 00:06:13.680 put the money back in the market. It's the only 123 00:06:13.800 --> 00:06:16.759 asset class marketplace that is going to allow them to 124 00:06:16.839 --> 00:06:19.480 keep pace with the future liabilities that are known quantities. 125 00:06:19.519 --> 00:06:21.480 And so you definitely like to vote. 126 00:06:21.560 --> 00:06:24.680 Every every major fund in the world. 127 00:06:25.319 --> 00:06:27.720 Every major fund in the world is in the stock market, 128 00:06:27.800 --> 00:06:30.720 like it or not, every major fund in the entire world. 129 00:06:31.160 --> 00:06:35.279 That includes retirement funds, pension funds, everything. Okay, Now that 130 00:06:35.319 --> 00:06:39.079 doesn't mean to say there's not other investments. But right now, 131 00:06:39.279 --> 00:06:42.240 ninety nine percent of all money is held in the 132 00:06:42.279 --> 00:06:45.639 stock market when it comes to investing, not in annuities, 133 00:06:45.720 --> 00:06:50.240 and not in offshore things, and not in real estate. 134 00:06:50.279 --> 00:06:52.360 And I'm not saying those are bad investments. There's a 135 00:06:52.360 --> 00:06:54.720 time and a place for every investment. I've said it before. 136 00:06:55.360 --> 00:06:57.959 So when there's a big influx to cash, meaning a 137 00:06:58.040 --> 00:07:01.240 sell off, and they go into cash, they're they're sitting 138 00:07:01.279 --> 00:07:03.879 there in cash. They haven't pulled the money out of 139 00:07:03.879 --> 00:07:07.839 schwab or out of a trading house. They's sitting in cash. 140 00:07:08.079 --> 00:07:10.240 What does that mean when they say sitting in cash 141 00:07:10.360 --> 00:07:12.480 as a defensive move, what does that actually mean? 142 00:07:12.759 --> 00:07:15.040 I love doing finance for dummies. What does that mean? 143 00:07:16.959 --> 00:07:18.800 Well, it can mean that they're just putting it in 144 00:07:18.839 --> 00:07:23.279 the bank where the yields are exactly exactly at okay, 145 00:07:23.439 --> 00:07:25.839 or they might put it in a money market accountant, 146 00:07:25.920 --> 00:07:27.920 you know, or something that a short term bank notes 147 00:07:28.000 --> 00:07:30.319 under think of that nature which we've used, or the 148 00:07:30.360 --> 00:07:33.199 yields are definitely better. And we've been in an environment 149 00:07:33.319 --> 00:07:36.000 historically where yields have been good on cash obviously in 150 00:07:36.040 --> 00:07:39.040 fixed income instruments. Now you know to see those come 151 00:07:39.079 --> 00:07:40.879 down with the quantic data using and so on. So 152 00:07:41.120 --> 00:07:43.560 that's that's also going to be a fact. 153 00:07:43.600 --> 00:07:43.879 Okay. 154 00:07:43.920 --> 00:07:46.120 Now when people go to cash, they come back out 155 00:07:46.120 --> 00:07:49.000 of cash. That flow has to take place or the 156 00:07:49.040 --> 00:07:52.600 country doesn't exist. So it goes out of cash to 157 00:07:52.759 --> 00:07:55.279 cash out cash to cash out cash too cash. Okay, 158 00:07:55.800 --> 00:07:58.800 So what happens now when they come back into cash, 159 00:07:58.920 --> 00:08:02.000 you have opportunity before that, not after that. That's what 160 00:08:02.040 --> 00:08:05.319 people People are always running after the big money. 161 00:08:05.680 --> 00:08:08.319 And that is like, isn't it truly? Isn't that what 162 00:08:08.360 --> 00:08:09.720 Buffett preaches against? 163 00:08:10.720 --> 00:08:13.560 Absolutely, the market's having a sale. And I have these 164 00:08:13.600 --> 00:08:16.319 conversations with four to one cap that has spends a lot, 165 00:08:16.519 --> 00:08:18.399 who for some odd reason want to run the cash 166 00:08:18.399 --> 00:08:21.519 from the volatility spikes and the market's having a sale. 167 00:08:21.680 --> 00:08:23.160 And what I say is think of the four to 168 00:08:23.199 --> 00:08:25.959 one k as a buying machine, not a balance machine. 169 00:08:25.959 --> 00:08:29.000 My goodness, if things are cheaper in the market, and 170 00:08:29.040 --> 00:08:32.159 you're buying at a consistent level dollar cost averaging into 171 00:08:32.200 --> 00:08:35.440 the market every paycheck. Keep doing that or double down 172 00:08:35.480 --> 00:08:37.480 on it, because you're buying shares at a discount. When 173 00:08:37.519 --> 00:08:39.399 the water comes back in, you're going to reap. 174 00:08:39.279 --> 00:08:42.480 The benefit that much more. So. It's you know, I 175 00:08:42.519 --> 00:08:43.879 don't know why, but. 176 00:08:44.080 --> 00:08:46.720 Everybody seems to get that premise when you're out buying 177 00:08:46.799 --> 00:08:49.440 clothes or food or anything else. But you flip it 178 00:08:49.440 --> 00:08:53.240 into the market and suddenly it just doesn't seem to 179 00:08:53.320 --> 00:08:54.159 make sense anymore. 180 00:08:54.200 --> 00:08:57.320 Well, it's just with HVAC. They do it pat two. 181 00:08:57.879 --> 00:09:00.559 When it's extra hot, they'll buy the brand new conditioner. 182 00:09:00.679 --> 00:09:02.720 That's when they think about it. They could buy one 183 00:09:02.799 --> 00:09:05.799 right now for a song, but instead they'll pay a third, 184 00:09:05.879 --> 00:09:08.120 well not necessarily a third, but twenty percent higher, twenty 185 00:09:08.159 --> 00:09:11.720 five percent higher, waiting until it's really, really, really hot. 186 00:09:11.799 --> 00:09:14.159 Same with furnaces, same with anything. Now. 187 00:09:14.360 --> 00:09:16.879 I don't know about cars and the best time mark. 188 00:09:16.919 --> 00:09:18.519 What have you found the best time to buy cars? 189 00:09:18.559 --> 00:09:20.360 You do a lot more car buyer than I did. 190 00:09:20.639 --> 00:09:22.360 It's what are you possible to me? 191 00:09:22.440 --> 00:09:25.519 It's impossible to say now, But I wanted to say 192 00:09:25.519 --> 00:09:29.159 two things. One my idea of cash would always be 193 00:09:29.240 --> 00:09:32.519 at least like a Schwab value advantage fund, something that's 194 00:09:32.519 --> 00:09:35.480 pulling at least five percent a year. And you know, 195 00:09:35.840 --> 00:09:38.159 to me, that's about as close to cash as you 196 00:09:38.200 --> 00:09:41.480 can get. It takes twenty four hours to liquidate. But 197 00:09:41.679 --> 00:09:45.080 I'm in I'm in the school of your camp number three, 198 00:09:45.639 --> 00:09:51.399 meaning I see a buying opportunity. I basically I sold 199 00:09:51.440 --> 00:09:54.960 a bunch of that Schwab value advantage two days ago 200 00:09:55.279 --> 00:09:59.320 and went to a literal cash position to where I'm 201 00:09:59.360 --> 00:10:01.960 gonna buy it of something I don't know what yet. 202 00:10:02.279 --> 00:10:04.799 I feel like I'm in the mall on Black Friday. 203 00:10:04.879 --> 00:10:07.039 I just don't know what it is yet, but I'm 204 00:10:07.039 --> 00:10:09.240 gonna get really deep into something quick. 205 00:10:12.519 --> 00:10:14.320 So I think I think I'm ringing. 206 00:10:14.360 --> 00:10:16.919 I gotta I don't know our race a starry guys, 207 00:10:17.559 --> 00:10:20.679 I know anyway, So let me put it this way, then, Mark, 208 00:10:20.879 --> 00:10:22.639 do you need help with the financial advisement? 209 00:10:22.720 --> 00:10:23.279 No, he doesn't. 210 00:10:23.440 --> 00:10:25.120 Mark is one of those streaks of nature you don't 211 00:10:25.159 --> 00:10:27.840 want to mess with, you know, Pat, We don't even 212 00:10:27.879 --> 00:10:30.480 mess with people like him because you know what, they 213 00:10:30.559 --> 00:10:31.120 got it down. 214 00:10:31.120 --> 00:10:32.960 They say I'd like it, I'd like. 215 00:10:33.000 --> 00:10:36.240 Pats I'd like both of yours general information on something. 216 00:10:36.279 --> 00:10:39.120 Walmart's down almost thirteen percent. 217 00:10:40.240 --> 00:10:41.039 You know they got it. 218 00:10:41.320 --> 00:10:43.440 They pay a little bit of money to hold onto 219 00:10:43.480 --> 00:10:47.000 their stock. But honestly, if things do get higher and 220 00:10:47.120 --> 00:10:51.960 tariffs really do affect bottom line goods, the discounter, the 221 00:10:52.080 --> 00:10:54.600 largest in the world, always seems to be the only 222 00:10:54.639 --> 00:10:58.600 stock that trades against everything else, Target, Kroger, when they're 223 00:10:58.639 --> 00:10:59.960 all down, Walmart's up. 224 00:11:00.039 --> 00:11:03.000 I see it. It's a no brainer right now. I 225 00:11:03.120 --> 00:11:07.600 just don't know where the bottom is. You're right, but you. 226 00:11:07.559 --> 00:11:09.320 Don't have to search the bottom, just like you don't 227 00:11:09.320 --> 00:11:12.159 have to search the top. Good dollar cost averaging a work. 228 00:11:12.440 --> 00:11:15.120 But the thing about Walmart mark that I've noticed and 229 00:11:15.200 --> 00:11:17.919 why there's such a good investment. Walmart is one of 230 00:11:17.960 --> 00:11:24.039 the few corporations willing, literally willing to cut into profits 231 00:11:24.080 --> 00:11:27.679 and sacrifice for their customers. And that's not BS by 232 00:11:27.720 --> 00:11:32.159 the way, it's amazing they are willing to do that. 233 00:11:32.639 --> 00:11:34.720 Very few companies are willing to do that. 234 00:11:35.000 --> 00:11:38.600 Now. I will say Amazon eats a little of extra 235 00:11:38.679 --> 00:11:41.960 cost too. Amazon's pretty good. Apple will never do it. 236 00:11:42.000 --> 00:11:44.399 I mean, if they're if they breathe and use too 237 00:11:44.480 --> 00:11:47.679 much toilet paper, it's going back on the iPhone. I mean, 238 00:11:47.759 --> 00:11:51.480 it's like there are some companies though that that sacrifice 239 00:11:51.919 --> 00:11:54.799 there's not a better word for it, or they bear 240 00:11:54.919 --> 00:11:57.840 and grunt or whatever, but Walmart is one of those. 241 00:11:57.919 --> 00:12:00.679 By the way, I want to tell hell everyone, we're 242 00:12:00.679 --> 00:12:03.639 doing a regular consumer show, but the economy is utmost important, 243 00:12:03.919 --> 00:12:05.639 and I want to know what you guys are thinking. 244 00:12:05.919 --> 00:12:07.919 And these tariffs are gonna Look, we're going to go 245 00:12:07.960 --> 00:12:10.240 through a little pain until the world knows we're not 246 00:12:10.279 --> 00:12:11.840 going to be taken advantage of anymore. 247 00:12:12.759 --> 00:12:14.879 And that's what's really going to count. Three oh three 248 00:12:15.000 --> 00:12:17.759 seven one three tad Man Tit for tad is the 249 00:12:17.759 --> 00:12:20.480 fairest thing out there. You want to charge us. 250 00:12:20.360 --> 00:12:23.799 To sell our uh, you know, sell our vehicles in 251 00:12:23.919 --> 00:12:27.720 Germany or Europe or China or South Korea, and you 252 00:12:27.759 --> 00:12:30.799 want to charge us twenty five fifty percent, same goes 253 00:12:30.840 --> 00:12:31.080 for you. 254 00:12:32.919 --> 00:12:33.960 Now here's the other thing. 255 00:12:34.679 --> 00:12:36.960 If you have a consumer problem, question or complaint or 256 00:12:37.039 --> 00:12:39.120 just something you want to get off your chest, or 257 00:12:39.159 --> 00:12:41.320 maybe you're starting a company, we'll give you a plug. 258 00:12:41.360 --> 00:12:43.399 Tell us what you do. We always we used to 259 00:12:43.440 --> 00:12:45.879 do that called why am I Special? Now our number 260 00:12:45.960 --> 00:12:48.759 is three oh three seven one three talk three oh 261 00:12:48.840 --> 00:12:49.720 three seven one. 262 00:12:49.600 --> 00:12:51.919 Three A two five five. 263 00:12:56.039 --> 00:12:59.279 Go with a sure thing Denver's best roofer Excel Roofing 264 00:12:59.399 --> 00:13:00.000 dot com. 265 00:13:00.080 --> 00:13:02.039 You don't pay a cent until you're content. 266 00:13:03.679 --> 00:13:07.879 Leave time for an insurance check up free, no obligation. 267 00:13:07.919 --> 00:13:11.759 In comparison, call Compass Insurance paying too much your coverage 268 00:13:11.759 --> 00:13:14.480 at dozens of insurance companies find out now three oh 269 00:13:14.480 --> 00:13:16.960 three seven seven to one help. You'll think you're his 270 00:13:17.120 --> 00:13:19.720 only customer when you choose Frank durand the real estate 271 00:13:19.799 --> 00:13:23.039 Man dot com to list your home with Remax Alliance 272 00:13:23.279 --> 00:13:31.799 three oh three nine two zero sixteen twenty two. Hi 273 00:13:31.919 --> 00:13:34.879 Tom Artino here three O three seven one three talk 274 00:13:35.720 --> 00:13:38.440 seven one three eight two five five. Let's go back 275 00:13:38.480 --> 00:13:41.480 to the phones and hey, listen, you know a lot 276 00:13:41.480 --> 00:13:44.960 of people have a lot to say about the pullover bill. 277 00:13:45.000 --> 00:13:47.919 When I mentioned it, I kind of now after reading 278 00:13:48.320 --> 00:13:50.960 just the show, I have an open mind, nothing like Mark. 279 00:13:51.720 --> 00:13:55.360 I have a wide open mind, and uh I will 280 00:13:55.519 --> 00:13:58.559 take other people's opinions here. So the bill that would 281 00:13:58.759 --> 00:14:01.639 prevent police from asking do you know why I pulled 282 00:14:01.639 --> 00:14:05.000 you over? Is actually a good idea. Here's why when 283 00:14:05.000 --> 00:14:06.559 they say do you know why? I pulled you over. 284 00:14:07.120 --> 00:14:09.799 They haven't given you Miranda rights or anything. They just 285 00:14:09.840 --> 00:14:12.559 asked you a question that could incriminate you. 286 00:14:12.559 --> 00:14:13.440 You could say, well, I. 287 00:14:13.399 --> 00:14:14.960 Know I was going a few miles over the limit, 288 00:14:15.120 --> 00:14:18.360 or I only had three drinks tonight, I'm not sure, 289 00:14:18.720 --> 00:14:20.759 or you know, I'm just kidding. But there could be 290 00:14:20.840 --> 00:14:25.399 something that incriminates you. Yet you haven't been Mian mirandaized. 291 00:14:26.080 --> 00:14:27.879 And that's where they say you write comic sil and 292 00:14:27.879 --> 00:14:30.000 blah blah blah. So actually that's not a bad idea. 293 00:14:30.080 --> 00:14:33.600 I joke sometimes on some of these bills and laws 294 00:14:33.600 --> 00:14:36.919 in Colorado, but I think that's a good one. I 295 00:14:36.960 --> 00:14:42.240 really do, because police can be tricky, and I don't 296 00:14:42.240 --> 00:14:44.480 mind it. But here's the other thing, the only thing 297 00:14:44.519 --> 00:14:48.399 I hate. Why do they have to why why why 298 00:14:48.440 --> 00:14:51.200 why why? Why why why why why why why do 299 00:14:51.279 --> 00:14:53.120 they always have to bring up race? 300 00:14:54.279 --> 00:15:00.960 Why? Why is everything because of racism? I can't even. 301 00:15:00.799 --> 00:15:03.879 Believe when they decriminalize car theft and you had to 302 00:15:04.159 --> 00:15:06.039 you had I don't know if they reverse that again 303 00:15:06.120 --> 00:15:07.919 or not, but you had to steal so many cars 304 00:15:07.960 --> 00:15:10.440 before it became a felony, and they said that was 305 00:15:10.440 --> 00:15:14.000 because it was racist or or you name something else. 306 00:15:14.120 --> 00:15:15.919 And what they're really said, this is what they're really 307 00:15:15.960 --> 00:15:18.480 saying with some of these bills, they're saying, blacks do 308 00:15:18.639 --> 00:15:21.559 some blacks commit crimes way more than white people, so 309 00:15:21.639 --> 00:15:22.519 we have to protect them. 310 00:15:22.799 --> 00:15:25.679 I mean, honest to God, that's how they put it. 311 00:15:25.799 --> 00:15:28.480 When it comes to something that they want to get 312 00:15:28.480 --> 00:15:32.480 through that's easier on people who get arrested or commit crimes, 313 00:15:32.720 --> 00:15:37.000 they say it's because it's racist. So what they're saying is, hello, 314 00:15:37.159 --> 00:15:40.559 black people, we know you com crime and you're you know, 315 00:15:40.600 --> 00:15:43.000 you do more naughty things, so we're gonna protect you. 316 00:15:43.200 --> 00:15:46.759 We're gonna raise the bar a bit, the level, the threshold, 317 00:15:47.080 --> 00:15:50.120 so you're not picked and nicked for everything you do. 318 00:15:50.759 --> 00:15:54.240 Isn't that what people are saying I mean, or they 319 00:15:54.240 --> 00:16:00.000 say math is racist Math okay, why they're saying, well, 320 00:16:00.039 --> 00:16:02.200 blactually can't keep up with us, so we're going to 321 00:16:02.279 --> 00:16:04.919 lower it a little and we're going to make math. 322 00:16:04.720 --> 00:16:07.159 So it's not racist. If I was a black person, 323 00:16:07.240 --> 00:16:11.320 honest to God, I would be so pissed, so pissed 324 00:16:11.360 --> 00:16:15.360 at this society. I wouldn't feel protected. I wouldn't feel 325 00:16:15.360 --> 00:16:18.000 protected anyway. 326 00:16:18.480 --> 00:16:21.200 Getting back to the economy, which is a really important topic. 327 00:16:22.399 --> 00:16:24.879 T bills are at about four and a quarter percent. 328 00:16:25.480 --> 00:16:28.320 But what Mark talked about was the Schwab account where 329 00:16:28.320 --> 00:16:31.799 they pay. They really do pay well and Pat during 330 00:16:31.840 --> 00:16:36.120 this time of tumultuous let's say, or I don't know 331 00:16:36.120 --> 00:16:37.720 if it's tumultuous times. 332 00:16:37.480 --> 00:16:40.279 Or volatility is a good word. People don't know what 333 00:16:40.279 --> 00:16:40.799 that means. 334 00:16:41.039 --> 00:16:44.399 Volatility really means up and down, up and down sometimes 335 00:16:44.440 --> 00:16:47.200 though it's just down down recession. 336 00:16:47.919 --> 00:16:49.480 Have any fears of that, Pat. 337 00:16:50.759 --> 00:16:53.200 I don't think so, Tom. I mean, the broaday indicators 338 00:16:53.240 --> 00:16:57.240 are so strong that I think it's more headline risks 339 00:16:57.240 --> 00:16:59.759 that we're enduring right now with all of the tariffs 340 00:17:00.360 --> 00:17:04.039 stuff that's going on. Fundamentals are just just too strong 341 00:17:04.160 --> 00:17:07.319 to really point towards the research at this point. 342 00:17:08.759 --> 00:17:14.359 And these indicators that we have, that the concurrent indicators 343 00:17:14.440 --> 00:17:19.400 what's called policy or government or things like that. What 344 00:17:19.440 --> 00:17:22.640 that means is it's a knee your quick reaction. It's 345 00:17:22.720 --> 00:17:28.039 not long term, especially if the fundamentals are there. Because 346 00:17:28.119 --> 00:17:30.559 if people are fearing losing and they don't lose, or 347 00:17:30.599 --> 00:17:33.000 they fear price increase and they don't get what they fear, 348 00:17:34.000 --> 00:17:37.400 you know, all of a sudden, those fears are quelled again. 349 00:17:37.440 --> 00:17:41.480 Though perceptionomics, something I coined years ago, does have a 350 00:17:41.559 --> 00:17:44.079 play in the market. If enough people think things are 351 00:17:44.079 --> 00:17:46.759 going to hell and they react that way, well, it 352 00:17:46.799 --> 00:17:50.400 can cause a bit of a panic. Again, what we 353 00:17:50.440 --> 00:17:54.319 say is steady the course. Don't panic, buy, don't panic 354 00:17:54.400 --> 00:17:59.799 sell now, look for deals and look for opportunities when 355 00:18:00.119 --> 00:18:03.480 starts flowing back in. That's what we do. We try 356 00:18:03.519 --> 00:18:06.599 to forecast that. For you, Pat, I know you have 357 00:18:06.640 --> 00:18:09.039 to run, go, go ahead, Pat, you. 358 00:18:09.000 --> 00:18:11.119 Have to believe in the process. I think too, Tom Right. 359 00:18:11.160 --> 00:18:14.240 So it's all about building a quality portfolio, having quality. 360 00:18:13.920 --> 00:18:14.599 Companies in there. 361 00:18:14.640 --> 00:18:16.319 He talked to more than about what he'll tell you. 362 00:18:16.720 --> 00:18:17.240 He buys the. 363 00:18:17.240 --> 00:18:19.359 Stock in the company and turns the market shuts down 364 00:18:19.359 --> 00:18:22.119 for five more years. It's not a slot machine for 365 00:18:22.400 --> 00:18:25.160 short term games, you know. It's it's you're investing in 366 00:18:25.200 --> 00:18:27.839 people and companies that are balance sheets of income statements, 367 00:18:27.839 --> 00:18:29.400 that produced data, and it can be a value. 368 00:18:29.480 --> 00:18:30.559 No, that's right. 369 00:18:30.599 --> 00:18:32.920 He doesn't believe in day trading or knee jerking at 370 00:18:32.920 --> 00:18:35.680 all at all. He buys value and fundamental skill. 371 00:18:36.680 --> 00:18:38.119 Absolutely. Yeah. 372 00:18:39.079 --> 00:18:42.119 And there's a little unfairness with Warren Buffett, a little 373 00:18:42.559 --> 00:18:46.279 because let's face it, when Berkshire Hathaway invest a lot 374 00:18:46.319 --> 00:18:49.000 in a sector, all of a sudden that sector becomes desirable, 375 00:18:49.279 --> 00:18:52.039 he raises he can actually raise the price by being 376 00:18:52.079 --> 00:18:53.519 in it. 377 00:18:54.319 --> 00:18:58.759 Oh, absolutely, so he'll market move all day long. Yeah, 378 00:18:58.839 --> 00:18:59.519 but he got so. 379 00:18:59.640 --> 00:19:04.279 Advice right now is advice right now? Truly, don't cement 380 00:19:04.440 --> 00:19:08.519 losses in panic. Don't do buying unless you know why 381 00:19:08.519 --> 00:19:11.240 you're buying. Although there are deals to be made, there 382 00:19:11.279 --> 00:19:13.079 were truly deals to be made. 383 00:19:14.079 --> 00:19:15.960 And if you're not someone like Mark who. 384 00:19:16.400 --> 00:19:19.160 Watches like a hawk all the time quickly when you 385 00:19:19.200 --> 00:19:20.559 need help, you can call us. 386 00:19:20.880 --> 00:19:24.160 Well, why does Berkshire Hathaway why do they? Why do 387 00:19:24.240 --> 00:19:28.480 they sell shares like a stock compared to running just 388 00:19:28.519 --> 00:19:31.480 like a general fund like we're used to. Why is 389 00:19:31.519 --> 00:19:33.079 it different than most? 390 00:19:34.119 --> 00:19:34.759 Oh? 391 00:19:34.640 --> 00:19:37.920 I was just a big time ructured Why is it 392 00:19:38.039 --> 00:19:39.240 structured the way it is? 393 00:19:39.359 --> 00:19:41.599 Or must be a reason behind it? 394 00:19:41.640 --> 00:19:44.359 And then the follow up is why don't other people 395 00:19:44.440 --> 00:19:45.480 structure like that? 396 00:19:47.119 --> 00:19:51.359 Okay, here's what Berkshire Hathway does. They buy and sell 397 00:19:51.839 --> 00:19:54.559 and they make profit and they have some losses. 398 00:19:54.920 --> 00:19:56.240 If they ran it like a. 399 00:19:56.119 --> 00:19:59.920 Fund, they would be regulated out of existence because they'd 400 00:20:00.079 --> 00:20:01.880 have to answer to every time Dick and Harry in 401 00:20:01.920 --> 00:20:04.720 the government. And even if they did a reg D fund, 402 00:20:04.799 --> 00:20:07.640 which is really an exempted fund meeting, there aren't the 403 00:20:07.759 --> 00:20:11.839 same reporting requirements. But you limit your investment base because 404 00:20:11.880 --> 00:20:14.240 if you do a reg dfund, a private hedge fund 405 00:20:14.319 --> 00:20:16.319 like we have, you have to have a certain net 406 00:20:16.319 --> 00:20:19.160 worth and a certain credit. It's called a qualified investor 407 00:20:19.200 --> 00:20:21.720 to even be part of it, and you're not allowed 408 00:20:21.759 --> 00:20:26.440 to advertise. So that's why they're not. So then he said, oh, 409 00:20:26.480 --> 00:20:29.599 I'll tell you what I'll do. I'll simply form a company, 410 00:20:29.759 --> 00:20:33.559 an investment company, and I'm not selling them securities. I'm 411 00:20:33.559 --> 00:20:36.480 not I'm selling them a share of ownership in my company. 412 00:20:36.720 --> 00:20:39.119 It's the most brilliant thing in the world. 413 00:20:39.200 --> 00:20:43.000 Then, and every hedge fund and every fund out there 414 00:20:43.480 --> 00:20:45.039 do it the same way. 415 00:20:45.920 --> 00:20:49.599 Well, because most hedge funds don't operate like Warren Buffett does. 416 00:20:49.799 --> 00:20:54.559 They don't have they don't buy for long term quality, 417 00:20:54.880 --> 00:20:58.319 they don't buy for fundamentals. They don't buy to try 418 00:20:58.359 --> 00:21:00.880 to turn a company around, and they don't buy to 419 00:21:00.960 --> 00:21:03.920 sell a company. They're not a capital fund and they're 420 00:21:03.960 --> 00:21:07.359 not just an investment firm. What hedge funds do is 421 00:21:07.480 --> 00:21:12.079 try to take advantage of volatility, and they buy and 422 00:21:12.119 --> 00:21:15.039 sell quickly. Mark, in our hedge fund, our average whole 423 00:21:15.119 --> 00:21:16.279 time is what is it. 424 00:21:16.240 --> 00:21:17.359 Pat two to five days. 425 00:21:18.240 --> 00:21:22.200 That's correct, and we're in and out our hedge fund. 426 00:21:22.200 --> 00:21:24.720 We measure monthly. If we make a one to two 427 00:21:24.799 --> 00:21:28.759 or three percent a month, that means we're on track 428 00:21:28.799 --> 00:21:29.920 to do thirty six percent. 429 00:21:30.000 --> 00:21:32.160 So you're saying, but it can't go in and out 430 00:21:32.160 --> 00:21:36.400 of something in two to five days, Well he can 431 00:21:36.640 --> 00:21:37.480 as a company. 432 00:21:37.480 --> 00:21:41.039 And why wouldn't we the way he does if there's 433 00:21:41.200 --> 00:21:43.279 less regularly, Well, because we don't have the horse. 434 00:21:44.039 --> 00:21:48.079 Here's why, Mark, listen, because when you buy Birks your Hathaway, 435 00:21:48.079 --> 00:21:51.359 you're not buying a stock in anything but Birks your Hathaway. 436 00:21:51.640 --> 00:21:54.279 So what you're saying is we love the way you 437 00:21:54.319 --> 00:21:54.960 do business. 438 00:21:55.160 --> 00:21:58.759 We want to hitch our train car to your engine. 439 00:21:58.839 --> 00:22:02.079 That's what they're saying. But if we tried to do that, Mark, 440 00:22:02.279 --> 00:22:05.880 we don't. We don't have the power to sell shares 441 00:22:05.920 --> 00:22:09.000 in my company and then go out and make giant 442 00:22:09.039 --> 00:22:10.599 stock trades and profits. 443 00:22:10.880 --> 00:22:14.000 They just use that as example, like like Bridgewater and 444 00:22:14.039 --> 00:22:17.480 Associates there they're one hundred and fifty billion. How come 445 00:22:17.559 --> 00:22:20.480 they don't structure that way? How come they're a hedge. 446 00:22:20.440 --> 00:22:24.960 Because because, okay, because they don't want to be they 447 00:22:25.119 --> 00:22:29.000 want they don't. They're not looking for owners. They're looking 448 00:22:29.039 --> 00:22:31.720 for people who say, here's my money. 449 00:22:32.519 --> 00:22:35.319 In essence, do anything you want with it, and then 450 00:22:36.000 --> 00:22:36.960 get me in and out. 451 00:22:37.279 --> 00:22:40.799 And they're just they're looking for a more qualified investor. 452 00:22:41.079 --> 00:22:45.000 That Bridgewater you're talking about, Julio's a genius. They're geniuses. 453 00:22:45.279 --> 00:22:48.839 That hedge fund is wonderful, but it's a hedge fund, 454 00:22:48.839 --> 00:22:52.279 not a business. And the reason they structure that way 455 00:22:52.599 --> 00:22:56.799 is for they they want to be able to take 456 00:22:57.240 --> 00:22:59.920 massive gains and losses at any time and not expe 457 00:23:00.359 --> 00:23:00.799 to people. 458 00:23:01.160 --> 00:23:02.039 That's all it's. 459 00:23:02.079 --> 00:23:05.799 Really, you have no explanation to investors with a hedge fund, 460 00:23:06.119 --> 00:23:09.240 with a Birks your Hathaway, you're a company. You're telling 461 00:23:09.279 --> 00:23:13.480 people we're a company. We're doing something. We're building businesses, 462 00:23:13.519 --> 00:23:15.759 we're selling businesses, we're buying businesses. 463 00:23:16.039 --> 00:23:17.440 It's a whole different structure. 464 00:23:17.640 --> 00:23:20.400 So it's like owning part of General Motors or Tesla 465 00:23:20.839 --> 00:23:25.039 that and end you have no regulation virtually, I mean, really, 466 00:23:25.079 --> 00:23:28.440 you don't because you're not selling a security. You're selling 467 00:23:28.519 --> 00:23:31.880 a piece of a company. And when you sell it yourself, 468 00:23:31.880 --> 00:23:35.160 it's not a security. If I sell those shares, it 469 00:23:35.240 --> 00:23:38.400 becomes a security. Pat am, I am I saying that correctly? 470 00:23:39.640 --> 00:23:42.480 Yeah, that sounds good. YEP, I think that's accurate. 471 00:23:42.880 --> 00:23:45.720 So, but why would you say that. 472 00:23:45.880 --> 00:23:50.119 Hedge funds don't form companies like Berkshire Hathaway and simply 473 00:23:50.119 --> 00:23:51.440 sell shares in their company. 474 00:23:52.079 --> 00:23:54.599 Well, they have limitations when you're a fund, right, So 475 00:23:54.640 --> 00:23:57.000 if you're a forty ZAC fund, you can only take 476 00:23:57.079 --> 00:23:59.920 up the typically a five percent position in any one company. 477 00:24:00.119 --> 00:24:02.960 But you know, it goes back to the fundamentals with Bussett, 478 00:24:03.839 --> 00:24:05.799 his whole fundamental is to go in and take a 479 00:24:05.920 --> 00:24:08.839 larger ownership stake in the company if you've never been 480 00:24:08.920 --> 00:24:12.319 to run the company right exactly, and so he'll take 481 00:24:12.319 --> 00:24:15.319 a twenty twenty five percent position in a company and 482 00:24:15.480 --> 00:24:17.960 essentially control it. If you've ever been to a Berkshire. 483 00:24:18.039 --> 00:24:22.200 But here's something else, Mark, here's something else. Performance fees 484 00:24:22.240 --> 00:24:26.119 in a hedge fund are tremendous. Now, obviously there's a 485 00:24:26.160 --> 00:24:28.480 reason for a performance fee. You have to hit your 486 00:24:28.559 --> 00:24:31.319 high water mark and you get twenty percent of the gain. 487 00:24:31.680 --> 00:24:35.720 So like one year our fund returned like thirty eight percent, 488 00:24:36.039 --> 00:24:38.839 we took twenty percent off the top. 489 00:24:39.880 --> 00:24:40.599 That's what you do. 490 00:24:40.720 --> 00:24:43.599 That's not twenty percent of thirty eight. I'm saying thirty 491 00:24:43.640 --> 00:24:47.720 eight percent. Twenty percent of thirty eight, so not twenty percent. 492 00:24:47.920 --> 00:24:51.039 So you take you take your performance fees. Birshere Hathaway 493 00:24:51.079 --> 00:24:54.480 doesn't take performance fees. They're simply a company making money 494 00:24:54.559 --> 00:24:57.440 and they pay dividends. Well, hedge funds would never do that. 495 00:24:57.680 --> 00:24:59.759 Do you know how much money they make in performance 496 00:24:59.799 --> 00:25:02.720 fee every month on a hedge fund? They make millions 497 00:25:02.720 --> 00:25:05.799 and millions and millions, like that Bridgewater fund you mentioned. 498 00:25:06.079 --> 00:25:09.359 And you can't charge performance fees when you go to 499 00:25:10.000 --> 00:25:13.279 when you go to selling shares in a company, there's 500 00:25:13.319 --> 00:25:16.480 no performance fees. Now you can overpay executives and all 501 00:25:16.519 --> 00:25:20.279 of that stuff, but that never that never works, you know, 502 00:25:20.319 --> 00:25:26.079 and ungodly bonuses. So really, these guys that have hedge funds, 503 00:25:26.480 --> 00:25:29.880 they want to charge that three percent expense fee or 504 00:25:29.880 --> 00:25:32.519 two percent expense fee, and then they also want to 505 00:25:32.599 --> 00:25:36.079 charge on the profit. They want to charge their performance 506 00:25:36.119 --> 00:25:37.359 fees because it's. 507 00:25:37.359 --> 00:25:40.240 Enormous, it's enormous. What it can return for them. 508 00:25:40.519 --> 00:25:43.759 The party gave me the understanding of the whole thing 509 00:25:43.880 --> 00:25:46.559 was to five percent. I didn't realize a hedge fund 510 00:25:47.000 --> 00:25:50.599 was limited to five percent when it comes to a 511 00:25:50.640 --> 00:25:53.759 company because they're never going to be making the decisions 512 00:25:53.759 --> 00:25:56.279 inside the company. Where if you can go in and 513 00:25:56.279 --> 00:25:58.799 buy forty percent of the company, you're you're pulling all 514 00:25:58.839 --> 00:26:00.720 the strings exactly. 515 00:26:01.519 --> 00:26:04.720 Yeah, Now, twenty five million is a small hedge fund. 516 00:26:04.839 --> 00:26:08.839 But on twenty five million, if they returned and they 517 00:26:08.839 --> 00:26:11.839 can easily, we can show you we can easily return 518 00:26:12.119 --> 00:26:15.519 forty eight percent. Okay, Now that's a twelve million dollar. 519 00:26:15.799 --> 00:26:18.880 Now think about this, that's twelve million dollars in gain. 520 00:26:19.000 --> 00:26:20.720 Right if you put in a year, if you put 521 00:26:20.799 --> 00:26:24.079 if you do that, Now, if you do that and 522 00:26:24.160 --> 00:26:26.880 then you take you take like a ten percent or 523 00:26:26.880 --> 00:26:30.880 a twenty percent performance fee. Look what you're making. You're 524 00:26:30.880 --> 00:26:34.240 making two point four million dollars. You could never do 525 00:26:34.319 --> 00:26:37.680 that selling shares. Because you're selling shares and paying dividends. 526 00:26:37.880 --> 00:26:40.759 All it does is raise your stock value. And when 527 00:26:40.759 --> 00:26:43.839 it raises your stock value, Warren Buffett's net worth goes 528 00:26:43.920 --> 00:26:44.640 up because. 529 00:26:44.400 --> 00:26:45.960 He has insider stock. 530 00:26:46.319 --> 00:26:49.400 So when he says, I pay less payroll tax than 531 00:26:49.400 --> 00:26:53.960 my secretary. He's just a jerk because what he's what he's. 532 00:26:53.839 --> 00:26:55.000 Really doing, is tricking you. 533 00:26:55.279 --> 00:26:58.160 He's making his money on the dividends and on the 534 00:26:58.359 --> 00:27:01.559 on the stock price and on the equity, not on payroll. 535 00:27:01.680 --> 00:27:05.200 He probably pays himself nothing, maybe thirty five thousand a year, 536 00:27:05.240 --> 00:27:08.559 who knows. But it's really disingenuous when he said that, well, 537 00:27:08.599 --> 00:27:11.480 I pay less payroll tax than my secretary. Of course 538 00:27:11.519 --> 00:27:13.640 you do, because you don't take payroll. We got more 539 00:27:13.640 --> 00:27:16.680 coming up. Patrick wants to talk about Elbert County Police Department. 540 00:27:16.720 --> 00:27:19.200 That'll be interesting. I don't think they have a police department. 541 00:27:19.200 --> 00:27:21.240 I think he's talking about the Sheriff's department. Right after this, 542 00:27:26.559 --> 00:27:29.839 go with a sure thing Denver's Best Roofer Excel Roofing 543 00:27:29.960 --> 00:27:32.599 dot com. You don't pay a cent until you're content. 544 00:27:35.960 --> 00:27:39.160 Time for an insurance checkup free, no obligation. In comparison, 545 00:27:39.279 --> 00:27:42.799 call Compass insurance paying too much your coverage at dozens 546 00:27:42.839 --> 00:27:45.559 of insurance companies find out now three O three, seven 547 00:27:45.599 --> 00:27:47.960 to seven to one help. You'll think you're his only 548 00:27:48.039 --> 00:27:50.519 customer when you choose Frank durand the Real estate Man 549 00:27:50.559 --> 00:27:54.000 dot com to list your home with Remax Alliance three 550 00:27:54.000 --> 00:28:03.680 oh three nine two zero sixteen twenty two. Hi Tom 551 00:28:03.680 --> 00:28:07.240 Martino here and those of you that don't like looking 552 00:28:07.279 --> 00:28:11.039 at my face and they want to see more of Mark. 553 00:28:11.079 --> 00:28:12.720 I'm trying to get his camera up, but it's not 554 00:28:12.759 --> 00:28:15.480 getting up there. And every once in a while Mark 555 00:28:15.519 --> 00:28:16.599 has a problem getting it up. 556 00:28:16.640 --> 00:28:19.519 We all know it, and I'm just asking. 557 00:28:19.240 --> 00:28:19.559 Him to me. 558 00:28:20.519 --> 00:28:22.240 Did you try the new link I sent you, bro 559 00:28:22.960 --> 00:28:24.839 I did? It says it's locked, dude. 560 00:28:25.119 --> 00:28:28.519 Literally when it goes to it, I hit the camera 561 00:28:28.599 --> 00:28:29.920 button and there's a. 562 00:28:29.799 --> 00:28:31.079 Picture of a lock. 563 00:28:33.079 --> 00:28:37.319 I think that Kelly did not or somebody went Did 564 00:28:37.400 --> 00:28:39.400 they disengage the other camera completely? 565 00:28:40.200 --> 00:28:40.920 That could be it. 566 00:28:41.880 --> 00:28:44.240 Oh wait a second, Wait a second. I think I 567 00:28:44.279 --> 00:28:47.319 know what happened when you dropped in the other day. 568 00:28:47.839 --> 00:28:50.640 I think you came into my studio and unplugged something. 569 00:28:50.799 --> 00:28:53.680 I'll get it plugged back in. Hold on, see. 570 00:28:53.720 --> 00:28:55.920 And I thought you really meant it that you knew 571 00:28:55.960 --> 00:28:57.680 what was going on, because I ruld like to get 572 00:28:57.759 --> 00:29:01.920 your picture up there. But truly, I don't know why 573 00:29:01.920 --> 00:29:04.240 it's not coming up. It's a good link. 574 00:29:05.559 --> 00:29:06.000 Anyway. 575 00:29:06.160 --> 00:29:08.960 Welcome people to uh Now, let's get back to the 576 00:29:08.960 --> 00:29:10.759 show and not leave you out? 577 00:29:10.839 --> 00:29:12.759 Patrick? What's going on with Elbert County? 578 00:29:14.880 --> 00:29:20.200 Hey man? So if you could just like pull up YouTube, 579 00:29:20.240 --> 00:29:22.599 I'll let the video like kind of speak for itself. 580 00:29:23.960 --> 00:29:25.960 Okay, you have a YouTube that you did? 581 00:29:27.960 --> 00:29:32.240 Yeah, okay, and what is on tell me? Okay, I 582 00:29:32.279 --> 00:29:34.519 gotta go to my hold on a second, I'll do 583 00:29:34.599 --> 00:29:37.400 it and tell me what I'm looking for on YouTube. 584 00:29:39.279 --> 00:29:44.599 Okay, So you're gonna just look up Patrick Martin and. 585 00:29:45.079 --> 00:29:47.839 Patrick gets you Patrick Martin? And what else? 586 00:29:49.519 --> 00:29:52.279 I just type that in and is it? 587 00:29:52.640 --> 00:29:54.680 Is it? Dandelion dandelion eyes? 588 00:29:56.920 --> 00:29:59.640 No, Patrick Martin, little shop of hors? 589 00:30:00.000 --> 00:30:02.559 This is what I get when I bring up Patrick Martin. 590 00:30:02.599 --> 00:30:03.680 I get a whole bunch of stuff. 591 00:30:03.680 --> 00:30:07.880 Bro Okay, bring up dy light. 592 00:30:10.000 --> 00:30:16.039 D I y yeah lights. 593 00:30:17.680 --> 00:30:19.319 Lights l I f e. 594 00:30:21.160 --> 00:30:25.519 O life got it? D y I life. 595 00:30:26.160 --> 00:30:32.640 Okay, I just did it, and let's see do you Patrick? 596 00:30:33.000 --> 00:30:34.119 I don't have. I don't have. 597 00:30:34.240 --> 00:30:36.960 There's nothing that comes up. Man, I just don't know. 598 00:30:37.359 --> 00:30:38.720 I want to look at what you want me to 599 00:30:38.759 --> 00:30:42.640 look at. I put in Patrick Martin. Okay, there's somebody 600 00:30:42.680 --> 00:30:45.720 who there's all kinds of Patrick Martin's, and you're not 601 00:30:45.839 --> 00:30:46.359 one of them. 602 00:30:46.480 --> 00:30:50.599 So I don't know how to find you. Is it? 603 00:30:50.640 --> 00:30:52.519 Is it a song? Tell me what it is? A 604 00:30:52.599 --> 00:30:53.160 video of what? 605 00:30:55.119 --> 00:30:56.720 So it's a police encounter? 606 00:30:57.559 --> 00:30:57.839 Where? 607 00:30:58.480 --> 00:30:59.279 But okay? 608 00:30:59.480 --> 00:31:02.079 So bro, if you're looking at what tags did you 609 00:31:02.079 --> 00:31:03.799 put on your video when you posted it? 610 00:31:03.799 --> 00:31:04.559 Give me a tag? 611 00:31:06.759 --> 00:31:08.519 I'm looking at my video right now? What did I 612 00:31:08.559 --> 00:31:09.240 put on here? 613 00:31:10.319 --> 00:31:10.680 Look up? 614 00:31:10.759 --> 00:31:12.000 Albert County Police? 615 00:31:13.440 --> 00:31:17.799 Okay? Albert? Okay? Was that one of your tags? 616 00:31:19.640 --> 00:31:19.799 Yes? 617 00:31:19.960 --> 00:31:20.839 That is one of my tas. 618 00:31:20.880 --> 00:31:28.920 Okay now, Albert County Police? Uh two years ago? 619 00:31:30.319 --> 00:31:30.559 Yeah? 620 00:31:32.240 --> 00:31:35.000 Okay, got it? I got the video off. You will 621 00:31:35.039 --> 00:31:37.480 do what I tell you to do, Okay, I tell 622 00:31:37.519 --> 00:31:41.240 you to do. This is the video, people, because I 623 00:31:41.240 --> 00:31:43.519 don't want you to talk about the video, sir? 624 00:31:44.279 --> 00:31:50.079 What that that's what just noted my page. That's not 625 00:31:50.200 --> 00:31:55.359 the video. It's that's my page though, if you can, okay, 626 00:31:55.759 --> 00:31:57.839 another video on my page? 627 00:31:58.880 --> 00:32:01.119 Okay, what's the other video? How many encounters do you have? 628 00:32:01.200 --> 00:32:04.160 For God's sakes, which other video do you want? I have? 629 00:32:04.480 --> 00:32:06.640 I have February first, twenty twenty five. 630 00:32:08.559 --> 00:32:12.640 Yes, so one, but there's two. Twelve minute one is 631 00:32:13.839 --> 00:32:17.039 mine and then after mind stops, the next one is 632 00:32:17.079 --> 00:32:19.359 my son who picks up the video recording. 633 00:32:21.200 --> 00:32:23.240 Okay, so which one do you want us to listen to? 634 00:32:24.880 --> 00:32:26.160 The twelve minute one? 635 00:32:27.000 --> 00:32:27.440 Yikes? 636 00:32:27.640 --> 00:32:30.400 Okay, hold on, hold on, we're gonna come right back 637 00:32:30.440 --> 00:32:34.559 to you. We love doing this, by the way, viewing 638 00:32:34.599 --> 00:32:36.599 stuff and we can share with our audience three oh 639 00:32:36.640 --> 00:32:39.119 three seven one three talk and if they're on YouTube 640 00:32:39.160 --> 00:32:41.839 watching us, they can watch us at a referral list 641 00:32:41.880 --> 00:32:46.079 or Troubleshooter network on YouTube and uh yeah, we'll get 642 00:32:46.119 --> 00:32:48.880 to that and figure out what you want to talk about. 643 00:32:50.079 --> 00:32:53.079 So just stick around, by the way, folks, we're gonna 644 00:32:53.079 --> 00:32:55.000 take a quick break, and then we're gonna look at 645 00:32:55.000 --> 00:32:59.240 this video. Renew Home Innovations for walking showers that are beautiful. 646 00:32:59.480 --> 00:33:02.759 Their shower conversions take out the old only shoves. You 647 00:33:02.759 --> 00:33:04.440 can get them done in two or three days with 648 00:33:04.519 --> 00:33:06.680 several months to pay. They have all kinds of contract 649 00:33:08.440 --> 00:33:13.880 financing options for you, and they're doing beautiful porcelain, beautiful porcelain, 650 00:33:14.599 --> 00:33:18.240 second to none, no no maintenance needed. And that's three 651 00:33:18.240 --> 00:33:20.599 oh three nine are a four to two thousand, nines 652 00:33:20.640 --> 00:33:26.799 are a four two thousand. Renew Home Innovations dot com 653 00:33:27.000 --> 00:33:30.279 go with a sure thing Denver's Best Roofer Excel roofing 654 00:33:30.359 --> 00:33:33.039 dot com. You don't pay a cent until you're content. 655 00:33:36.400 --> 00:33:39.599 Time for an insurance check up free, no obligation. In comparison, 656 00:33:39.720 --> 00:33:43.279 call Compass Insurance paying too much your coverage at dozens 657 00:33:43.279 --> 00:33:46.000 of insurance companies find out now three all three seven 658 00:33:46.039 --> 00:33:46.599 to seven to one. 659 00:33:46.720 --> 00:33:46.960 Help. 660 00:33:47.119 --> 00:33:49.759 You'll think you're his only customer when you choose Frank 661 00:33:49.839 --> 00:33:52.279 durand the real estate Man dot com to list your 662 00:33:52.319 --> 00:33:55.440 home with Remax Alliance three all three nine two zero 663 00:33:55.599 --> 00:33:59.240 sixteen twenty two. 664 00:34:03.079 --> 00:34:06.359 Hi Tom Martine, Okay I got this? Uh YouTube cubed 665 00:34:06.720 --> 00:34:07.559 that this gentleman. 666 00:34:08.639 --> 00:34:11.760 Yeah, I already warned. I already warned Shannon, he got it. 667 00:34:12.440 --> 00:34:15.880 Hey, hold on a sec, bro, How many bad words 668 00:34:15.880 --> 00:34:17.119 are going to be in this? Patrick? 669 00:34:19.000 --> 00:34:20.199 No, like that's it. 670 00:34:20.800 --> 00:34:21.840 I'm sure it's lazy. 671 00:34:22.000 --> 00:34:25.480 You want to if you want to skip to the 672 00:34:25.760 --> 00:34:28.719 three minute and fifty two second one that is the 673 00:34:28.800 --> 00:34:30.039 conclusion of the video. 674 00:34:31.239 --> 00:34:34.280 But never mind, we're not playing this. Stop it, just 675 00:34:34.320 --> 00:34:37.000 stop it and stop it. Stop trying to say what? Man? 676 00:34:37.039 --> 00:34:38.960 Can you say a word without the F word? 677 00:34:41.079 --> 00:34:43.639 Just tell me what's going on? What are you complaining about? 678 00:34:43.920 --> 00:34:48.280 He's messing with us? Well, I want to know what 679 00:34:48.320 --> 00:34:50.679 are you complaining about. 680 00:34:51.960 --> 00:34:56.679 I found out that they've they arrested me on a 681 00:34:56.760 --> 00:34:59.880 warrant that they made up they fo. 682 00:35:00.159 --> 00:35:09.400 Okay, now, if that's really true, Patrick, if that's really true, then. 683 00:35:09.280 --> 00:35:12.079 You're a victim. But I'm going to explore this. You 684 00:35:12.159 --> 00:35:18.320 say they made it up out out of the clear 685 00:35:18.320 --> 00:35:22.320 blue sky, they made up a rank call bs. Well, 686 00:35:22.360 --> 00:35:25.159 we're gonna hear about it. Patrick, You're gonna have your say. 687 00:35:24.960 --> 00:35:30.800 On this show. I'm Tom Martina. 688 00:35:30.920 --> 00:35:34.159 Go with a sure thing Denver's Best roofer Excel Roofing 689 00:35:34.280 --> 00:35:36.920 dot com. You don't pay a cent until you're content. 690 00:35:40.280 --> 00:35:43.480 Time for an insurance check up free, no obligation. In comparison, 691 00:35:43.599 --> 00:35:47.159 call Compass Insurance paying too much your coverage at dozens 692 00:35:47.199 --> 00:35:49.920 of insurance companies. Find out now three oh three seven 693 00:35:50.000 --> 00:35:52.840 seven to one help. You'll think you're his only customer 694 00:35:52.880 --> 00:35:55.119 when you choose Frank durand the real estate Man dot 695 00:35:55.159 --> 00:35:58.440 com to list your home with Remax Alliance three oh 696 00:35:58.519 --> 00:36:01.079 three nine two zero sixteen two. 697 00:36:06.039 --> 00:36:11.639 Ripped up. You need advis so you don't have the. 698 00:36:14.039 --> 00:36:17.840 Run into just as fast as you can. Shooter is 699 00:36:17.880 --> 00:36:18.559 gonna help. 700 00:36:18.880 --> 00:36:21.639 Come man, this is. 701 00:36:21.599 --> 00:36:24.960 The Troubleshooter Show. No Tom Martino. 702 00:36:26.360 --> 00:36:29.719 Hey Tom Martino, here fighting for you, solving problems, answering 703 00:36:29.800 --> 00:36:32.880 question taking complaints. We had a great discussion about the economy. 704 00:36:33.039 --> 00:36:35.559 We're talking about all kinds of problems that make you 705 00:36:35.639 --> 00:36:38.079 tick and tick you off. And we have a guy 706 00:36:38.159 --> 00:36:40.199 wanted to talk about Albert County Sheriff's Department. 707 00:36:40.400 --> 00:36:41.920 And I looked over some of this video. 708 00:36:42.119 --> 00:36:45.280 I'm not sure exactly what he's calling about, but I 709 00:36:45.320 --> 00:36:48.239 believe everyone should have their say, and I mean necessrely. 710 00:36:48.480 --> 00:36:53.440 You know what what really counts is they have their say, 711 00:36:53.960 --> 00:36:56.880 just no f bombs is And also, I want to 712 00:36:56.920 --> 00:36:59.519 know what your main complaint is. You were stopped by 713 00:36:59.559 --> 00:37:03.440 Albert County police and you believe the warrant was completely 714 00:37:03.480 --> 00:37:06.880 made up, false, not true, and forged. 715 00:37:07.280 --> 00:37:09.039 Explain that to me, Patrick. 716 00:37:11.400 --> 00:37:15.400 I have been dealing with these guys for a while 717 00:37:15.519 --> 00:37:17.920 and they just keep harassing me. 718 00:37:18.000 --> 00:37:22.760 Man, And okay, tell me just real quick to Patrick. 719 00:37:22.800 --> 00:37:24.760 I know you have a lot to say, But in 720 00:37:24.800 --> 00:37:28.280 the interest of time and continuity, when was your first 721 00:37:28.360 --> 00:37:30.639 encounter where they started messing with you? 722 00:37:32.760 --> 00:37:38.199 Cool years ago? But just like for for continuity purposes, 723 00:37:39.960 --> 00:37:43.840 I haven't been I used to be an alcoholic. I 724 00:37:43.920 --> 00:37:49.920 have no longer. I've been sober for almost ten years, okay, 725 00:37:50.519 --> 00:37:54.039 and I recently haven't like they just, I don't know, 726 00:37:54.280 --> 00:37:59.039 just beenpointed me and decided they wanted to just make 727 00:37:59.119 --> 00:38:03.320 up this warrant. And I can prove it because I 728 00:38:03.480 --> 00:38:07.039 pulled my discovery because I can't afford a lawyer. And 729 00:38:07.320 --> 00:38:12.679 according to their paperwork, I had an FTA on July 730 00:38:13.079 --> 00:38:15.920 twenty six What is. 731 00:38:15.840 --> 00:38:18.719 An FTA, sir? What is an FTA or whatever? 732 00:38:19.400 --> 00:38:24.840 A fifth and a failure to appear for an insurance 733 00:38:25.079 --> 00:38:28.599 thing for not providing proof of auto insurance? 734 00:38:29.920 --> 00:38:30.519 Okay? 735 00:38:30.639 --> 00:38:34.440 And when was that? When was that appearing state? Supposedly 736 00:38:34.480 --> 00:38:35.199 supposed to be. 737 00:38:37.280 --> 00:38:39.920 On September twenty eighth? 738 00:38:40.840 --> 00:38:41.800 And do you remember that? 739 00:38:42.280 --> 00:38:44.239 Do you remember that event where they asked you for 740 00:38:44.320 --> 00:38:45.960 proof of insurance and you didn't have it? 741 00:38:47.800 --> 00:38:50.400 I do, okay. 742 00:38:50.559 --> 00:38:52.920 And did you know that when you did not have 743 00:38:53.000 --> 00:38:54.159 insurance that you were going to. 744 00:38:54.199 --> 00:38:57.679 Have to go to a hearing? Yes? 745 00:38:57.800 --> 00:38:58.840 And I did. 746 00:39:00.480 --> 00:39:02.519 Oh so you went to the hearing and showed proof 747 00:39:02.559 --> 00:39:03.199 of insurance? 748 00:39:04.880 --> 00:39:09.039 Yes, so, but they. 749 00:39:08.199 --> 00:39:10.679 Didn't record that you were there. They recorded that you 750 00:39:10.719 --> 00:39:11.559 did not show up. 751 00:39:11.639 --> 00:39:12.119 Is that right? 752 00:39:13.960 --> 00:39:17.239 They recorded that I didn't show up two months before 753 00:39:17.280 --> 00:39:21.079 my court date was even supposed to happen and even 754 00:39:21.119 --> 00:39:21.519 on there. 755 00:39:21.519 --> 00:39:24.639 So there was a warrant issued. Okay, let's get this straight. 756 00:39:24.679 --> 00:39:27.239 Then this is back in what year? Was this this 757 00:39:27.599 --> 00:39:28.480 failure to appear? 758 00:39:28.559 --> 00:39:28.960 What year? 759 00:39:31.440 --> 00:39:32.599 Twenty two? 760 00:39:34.320 --> 00:39:34.960 So you were. 761 00:39:34.880 --> 00:39:40.800 Stopped for for not for and they checked you. Why 762 00:39:40.800 --> 00:39:42.760 were you stopped to begin with? They looked at your 763 00:39:42.760 --> 00:39:45.719 insurance and you didn't have it on you. But why 764 00:39:45.760 --> 00:39:46.840 were you stopped anyway? 765 00:39:48.840 --> 00:39:52.840 I was, I became homeless at the time. I was 766 00:39:52.880 --> 00:39:58.960 speaking in my car at Big R and Elizabeth, okay, 767 00:39:59.280 --> 00:40:00.960 and they hold up. 768 00:40:02.880 --> 00:40:03.840 Okay, okay. 769 00:40:04.119 --> 00:40:11.599 So so you were confronted for sleeping in your car. 770 00:40:10.480 --> 00:40:12.239 Yes, in twenty twenty two, yes. 771 00:40:13.159 --> 00:40:16.000 Okay, now listen, I know, thank you for being sure 772 00:40:16.039 --> 00:40:16.639 with your answers. 773 00:40:16.679 --> 00:40:18.119 So you're sleeping in your car? 774 00:40:18.199 --> 00:40:21.280 They come up, they did you get chargement anything at 775 00:40:21.280 --> 00:40:21.760 that time? 776 00:40:24.199 --> 00:40:28.320 Yes, they had charged me with no proof of auto 777 00:40:28.360 --> 00:40:30.960 insurance and that that. 778 00:40:31.039 --> 00:40:31.519 Was all. 779 00:40:32.920 --> 00:40:37.519 Okay, okay, So you did not have proof of insurance, okay, 780 00:40:37.719 --> 00:40:40.960 So then you knew there was going to be an 781 00:40:41.000 --> 00:40:42.199 appearance date and. 782 00:40:42.119 --> 00:40:43.239 You said you showed up. 783 00:40:45.119 --> 00:40:48.320 I did, and I closed it because I brought proof 784 00:40:48.360 --> 00:40:56.199 of insurance. And they had written in this war and 785 00:40:56.280 --> 00:41:00.000 made it up saying that I missed court two months 786 00:41:00.480 --> 00:41:02.679 before my court day ever even happened. 787 00:41:04.039 --> 00:41:07.599 Okay, But here's what I want to know is is 788 00:41:07.599 --> 00:41:11.960 there is there any kind of documentation showing that you 789 00:41:12.039 --> 00:41:14.039 did have a hearing for that that you went to? 790 00:41:15.880 --> 00:41:21.760 Yes, okay, and I so I have. 791 00:41:21.880 --> 00:41:23.719 They're saying, even though, so hold on. 792 00:41:24.400 --> 00:41:26.440 So they're saying, even though you did go to a 793 00:41:26.480 --> 00:41:29.760 hearing and show insurance before that hearing, you missed. 794 00:41:29.960 --> 00:41:31.320 You missed one before. 795 00:41:31.000 --> 00:41:37.039 That, that's what they're saying. But it was that and 796 00:41:37.480 --> 00:41:41.679 that they're saying I missed, and and what. 797 00:41:41.760 --> 00:41:44.320 Do they say about that when you explain it to them? 798 00:41:46.159 --> 00:41:48.679 I haven't had a chance to judge Warne me. 799 00:41:49.000 --> 00:41:52.840 Is it possible? Okay, I gotta, I gotta bring this up, Patrick. 800 00:41:53.239 --> 00:41:55.960 Is it possible you were stopped, you were giving a 801 00:41:55.960 --> 00:41:59.199 hearing date, you didn't show up, and then you went 802 00:41:59.880 --> 00:42:02.840 a another time after that. Is it possible you did 803 00:42:02.880 --> 00:42:03.800 miss a hearing date? 804 00:42:05.599 --> 00:42:12.880 No, it's absolutely not possible. Yeah, I'm a possible person. 805 00:42:13.079 --> 00:42:20.559 And so my affairs with cordial and diligence and okay. 806 00:42:20.199 --> 00:42:23.199 So what do you do for work right now? What 807 00:42:23.239 --> 00:42:24.920 do you do for work right now. 808 00:42:26.320 --> 00:42:31.480 I am a caretaker for a couple in Elizabeth. I 809 00:42:31.639 --> 00:42:38.280 don't have a license because of past DUIs and whatever. 810 00:42:39.199 --> 00:42:43.599 But yeah, I'm waiting to get my license back, which 811 00:42:43.639 --> 00:42:47.159 I'm eligible for right now. But all of this messages 812 00:42:48.440 --> 00:42:50.239 just like unnecessary. 813 00:42:52.039 --> 00:42:55.760 Okay, So when you were stopped and arrested on this warrant. 814 00:42:56.039 --> 00:42:58.159 Did you get nasty with him at all? Or tell 815 00:42:58.159 --> 00:42:58.800 me what happened? 816 00:42:59.800 --> 00:43:03.239 Oh? No, no, no, I didn't get nasty. We were 817 00:43:03.360 --> 00:43:07.079 just I asked my son. He was working out. I 818 00:43:07.119 --> 00:43:10.559 had just finished up dinner. It was cold that day. 819 00:43:10.920 --> 00:43:13.519 I needed to go to the store. I asked him 820 00:43:13.559 --> 00:43:15.320 if he could get me a ride six he was 821 00:43:15.360 --> 00:43:17.920 in town. He said yeah, I'll be there in a minute, 822 00:43:18.079 --> 00:43:20.320 and him and his friend came over picked me up. 823 00:43:21.320 --> 00:43:24.239 We were heading to the store and all of a sudden, 824 00:43:24.239 --> 00:43:26.679 there's light. As soon as we turn off on my streets, 825 00:43:27.159 --> 00:43:32.679 there's headlights blinding us, pushing us up this hill, pushed 826 00:43:32.719 --> 00:43:35.920 us through the stop sign, and then we go right 827 00:43:36.199 --> 00:43:39.000 and we go to the stop light and he's still 828 00:43:39.039 --> 00:43:41.360 just blinding the heck out of us. I have to 829 00:43:41.400 --> 00:43:43.960 stop light, waiting for it, still not pulling us over 830 00:43:45.000 --> 00:43:47.480 so left on to eighty six, and then all of 831 00:43:47.480 --> 00:43:50.440 a sudden he decides to light us up. So he's 832 00:43:50.480 --> 00:43:53.800 talking to the draft and then he immediately is like 833 00:43:54.440 --> 00:43:58.199 where you're coming from? Oh whoa, what are you doing 834 00:43:58.239 --> 00:44:02.559 over there? And I'm like the video shows at all. 835 00:44:02.639 --> 00:44:06.480 But as I'm explaining to him, he's like totally just 836 00:44:06.639 --> 00:44:11.559 like pinpointing me is somebody I'm not. And all of 837 00:44:11.599 --> 00:44:14.519 a sudden he comes back and he sees it on 838 00:44:14.719 --> 00:44:19.519 like videotaping and he's like, okay, well, yeah, no, it's 839 00:44:19.519 --> 00:44:23.159 cool if you videotapes. I'm videotaping too, right, and he goes, well, 840 00:44:23.679 --> 00:44:24.360 and the Stay. 841 00:44:24.199 --> 00:44:27.199 Of Colorado, this is how it works. I have the 842 00:44:27.280 --> 00:44:30.039 right to idea everybody at the traffic stuff. So once 843 00:44:30.079 --> 00:44:32.760 you about to give me your name and like takes 844 00:44:32.840 --> 00:44:37.199 my name, my son's name, and then he further interrogates 845 00:44:37.280 --> 00:44:41.079 me about neighbors and like I don't even know, like 846 00:44:41.159 --> 00:44:44.000 what are you trying to get at? And then before 847 00:44:44.079 --> 00:44:47.000 you know it, he just comes back and he's like, well, 848 00:44:47.000 --> 00:44:48.639 you got to step out of the car, and I 849 00:44:48.800 --> 00:44:51.400 say okay, like for what and he's like, well, we 850 00:44:51.440 --> 00:44:53.639 got to talk some more. And I said okay, like 851 00:44:54.440 --> 00:44:55.719 all right, like sure, like. 852 00:44:55.960 --> 00:44:57.760 What do we need to talk about? 853 00:44:57.840 --> 00:44:59.960 And then he's like, now, you weren't charged with resist 854 00:45:00.320 --> 00:45:02.880 or anything, were you, Patrick? Patrick? Just to cut to 855 00:45:02.920 --> 00:45:05.480 the chase, you were charged. You were picked up on 856 00:45:05.519 --> 00:45:08.039 this warrant. Were you given any additional charges? 857 00:45:11.960 --> 00:45:15.920 Not there but at the court out at the jail, Yes, 858 00:45:17.880 --> 00:45:18.480 at the jail. 859 00:45:18.519 --> 00:45:19.760 What else were you charged with? 860 00:45:22.000 --> 00:45:25.639 I had picked up some paraphernalia that was garbage. I 861 00:45:25.679 --> 00:45:30.639 was fishing earlier that day. I'm uh, there's this pond 862 00:45:30.679 --> 00:45:33.079 in my town. I consider it. 863 00:45:33.079 --> 00:45:34.760 Okay, I don't need to know this, Patrick. What I 864 00:45:34.840 --> 00:45:39.840 need to know is what was the paraphernalia. 865 00:45:38.599 --> 00:45:40.199 They said it was matt, I thought it was a 866 00:45:40.280 --> 00:45:41.599 crack pipe. 867 00:45:43.079 --> 00:45:43.440 Okay. 868 00:45:43.519 --> 00:45:46.880 So you're fishing, and as a good steward of the environment, 869 00:45:47.320 --> 00:45:50.280 you pick up the trash. 870 00:45:50.360 --> 00:45:54.599 Yeah, I don't want paraphernalia laying around the community, you know, 871 00:45:55.320 --> 00:45:56.559 my kids and stuffer around. 872 00:45:56.559 --> 00:46:00.199 Then come on, Patrick, Patrick, bro come on man, Now, 873 00:46:00.840 --> 00:46:03.719 I'm giving you every bit of leeway here. But now 874 00:46:03.840 --> 00:46:06.840 not only did you get wait, they forged the warrant. 875 00:46:07.000 --> 00:46:09.679 I'll even buy that, or they made a mistake, but 876 00:46:09.800 --> 00:46:13.079 then they found some meth paraphernalia on. 877 00:46:12.960 --> 00:46:14.719 You that you picked. 878 00:46:14.480 --> 00:46:17.840 Up as a good steward to because you saw litter 879 00:46:17.880 --> 00:46:18.679 when you were fishing. 880 00:46:21.360 --> 00:46:22.920 Yeah, it sounds crazy, I know. 881 00:46:24.199 --> 00:46:26.920 Yeah. So how much paraphernalia was there? 882 00:46:29.760 --> 00:46:34.719 Just two pipes? And like they said that there was 883 00:46:34.760 --> 00:46:38.519 a baggy. I didn't see a baggy, really, man, I 884 00:46:38.559 --> 00:46:41.800 had like a bunch of other trash. Dude, I'd like, 885 00:46:42.639 --> 00:46:43.079 I don't know. 886 00:46:44.039 --> 00:46:46.440 And you explained to them that you are simply a 887 00:46:46.480 --> 00:46:48.880 good citizen picking up trash along the path. 888 00:46:51.280 --> 00:46:57.519 Yes, okay, but Patrick, listen to me. Now, I'm not 889 00:46:57.599 --> 00:46:59.679 buying it. Brother, I know I'm not buying it. 890 00:47:00.159 --> 00:47:02.559 I I'm sorry, And now I'm not saying. I'm not 891 00:47:02.599 --> 00:47:05.079 saying I won't give you some advice here. But could 892 00:47:05.079 --> 00:47:07.199 it have been your son? Was it your son's stuff? 893 00:47:09.079 --> 00:47:10.320 No? No, no, no, my son's And. 894 00:47:10.559 --> 00:47:12.719 Did you let me ask you this? Let me ask 895 00:47:12.760 --> 00:47:16.920 you this. Did they do a blood test? Did they 896 00:47:16.920 --> 00:47:18.199 do a blood test? 897 00:47:19.000 --> 00:47:19.760 Why? No? 898 00:47:21.559 --> 00:47:23.840 Because I don't have any history of drugs. 899 00:47:25.039 --> 00:47:29.920 Were you well? Were you charged with paraphernalia? 900 00:47:30.239 --> 00:47:30.559 Yes? 901 00:47:31.840 --> 00:47:33.880 So okay and missing the core tes. 902 00:47:35.639 --> 00:47:38.119 So let's let's say benefit of the doubt. I had 903 00:47:38.199 --> 00:47:41.360 math on me, I knowing we had on me. 904 00:47:42.920 --> 00:47:43.400 Yeah, and. 905 00:47:45.000 --> 00:47:50.880 Apparently a blue bag that had some residue. So yeah, 906 00:47:51.079 --> 00:47:55.360 for for argument's sakes, we'll say I'm guilty of all 907 00:47:55.440 --> 00:47:56.840 these charges. 908 00:47:56.880 --> 00:47:59.440 Okay, okay, okay. 909 00:47:59.760 --> 00:48:09.159 So so so as like they are super aggressive, like 910 00:48:09.239 --> 00:48:13.440 I wasn't visiting, and like I do drop quite a 911 00:48:13.440 --> 00:48:17.880 few f bombs. My apologies about that, But when you're 912 00:48:17.920 --> 00:48:20.599 being arrested for no reason, it's kind of hard to 913 00:48:20.639 --> 00:48:21.280 cheap it sometimes. 914 00:48:21.320 --> 00:48:24.400 Well it wasn't. It wasn't no reason, Patrick. 915 00:48:26.519 --> 00:48:29.440 Why was it no reason? There was no warrant? 916 00:48:29.480 --> 00:48:31.679 Well no, here's what I mean. Here's what I mean 917 00:48:31.679 --> 00:48:32.039 by that. 918 00:48:32.599 --> 00:48:35.440 Even if it was a mistake, there would be no 919 00:48:35.519 --> 00:48:37.480 way for that police officer to know that. 920 00:48:38.119 --> 00:48:40.000 So he was arresting you on a warrant. 921 00:48:40.440 --> 00:48:43.440 He didn't make up the warrant, it was there, and 922 00:48:43.480 --> 00:48:45.320 then they found drug paraphernalia. 923 00:48:45.639 --> 00:48:47.679 So what I want to know is this, what date 924 00:48:47.840 --> 00:48:49.000 was this arrest? 925 00:48:51.679 --> 00:49:01.400 The the thirtieth January thirtieth of Jent for thirty first Okay. 926 00:49:00.320 --> 00:49:05.719 Now here's what thirtieth Okay, Now here's what I want 927 00:49:05.719 --> 00:49:09.320 to know. Okay, where does it? 928 00:49:09.440 --> 00:49:10.480 Where is it right? Now? 929 00:49:12.679 --> 00:49:13.239 Where's what? 930 00:49:14.840 --> 00:49:17.280 Where's the case? How What's what's going on right now? 931 00:49:17.320 --> 00:49:18.800 How can we help you? What's going on? 932 00:49:21.559 --> 00:49:23.400 Why don't you hold on? Hold on? I'm going to 933 00:49:23.440 --> 00:49:25.679 come in. Here's what I'm going to come and ask. Patrick. 934 00:49:25.719 --> 00:49:27.079 I'm going to come and ask, and I have to 935 00:49:27.119 --> 00:49:28.119 take some calls. 936 00:49:27.800 --> 00:49:28.360 In between you. 937 00:49:28.639 --> 00:49:30.880 But I really am willing to help you if you 938 00:49:31.280 --> 00:49:33.760 If I know what you need and I can accomplish it, 939 00:49:34.079 --> 00:49:36.760 I'm willing to do it. You don't sound like a 940 00:49:36.800 --> 00:49:39.119 total nut to me. You do sound like a little 941 00:49:39.119 --> 00:49:41.119 denial here and there, but I want to know where 942 00:49:41.159 --> 00:49:42.440 it stands and what we can do for you. 943 00:49:42.599 --> 00:49:48.480 Right after this, go. 944 00:49:48.519 --> 00:49:52.239 With a sure thing Denver's Best roofer Excel Roofing dot com. 945 00:49:52.280 --> 00:49:54.320 You don't pay a cent until you're content. 946 00:49:57.679 --> 00:50:00.880 Time for an insurance check up, free no obligation comparison 947 00:50:01.000 --> 00:50:04.559 call Compass Insurance paying too much your coverage at dozens 948 00:50:04.599 --> 00:50:07.320 of insurance companies find out now three oh three seven 949 00:50:07.320 --> 00:50:09.679 to seven to one help. You'll think you're his only 950 00:50:09.760 --> 00:50:12.239 customer when you choose Frank durand the real estate Man 951 00:50:12.280 --> 00:50:15.679 dot com to list your home with Remax Alliance three 952 00:50:15.760 --> 00:50:24.079 oh three nine two zero sixteen twenty two. Hey, I'm 953 00:50:24.119 --> 00:50:26.840 Tom Martine Your Troubleshooter three O three seven one three 954 00:50:26.840 --> 00:50:29.559 talks seven three at two five to five. Patrick, I'm 955 00:50:29.559 --> 00:50:31.079 going to come back to you, but first I want 956 00:50:31.119 --> 00:50:34.719 Paul Doubting. Paul's one of my good buddies, Paul thewatermanwaterpros 957 00:50:34.719 --> 00:50:35.280 dot net. 958 00:50:35.719 --> 00:50:38.480 And yet again, water is in the news. 959 00:50:40.159 --> 00:50:44.039 And it's amazing how many municipalities, now we're not talking 960 00:50:44.039 --> 00:50:50.480 about individuals, how many cities and counties and whatever, villages, whatever, 961 00:50:50.679 --> 00:50:56.400 municipalities are learning that their water is not safe and 962 00:50:56.440 --> 00:51:01.840 they're advising people to do filtration. Now, Paul, you're an 963 00:51:01.840 --> 00:51:04.599 expert in this area. You've done a lot of research. 964 00:51:05.440 --> 00:51:11.000 So when it comes to the mandates the EPA is 965 00:51:11.039 --> 00:51:12.960 putting out for. 966 00:51:13.000 --> 00:51:17.000 Domestic water, how are how are municipal systems going to 967 00:51:17.079 --> 00:51:17.480 keep up? 968 00:51:18.440 --> 00:51:22.039 Well, they can't. They're not designed to. That's just the 969 00:51:22.039 --> 00:51:24.639 facts of it. The municipality is not designed to remove 970 00:51:24.679 --> 00:51:29.559 the forever chemicals. Municipality is not designed to remove the microplastics, 971 00:51:29.559 --> 00:51:34.639 which is becoming an emerging issue. And then the other factors. 972 00:51:34.719 --> 00:51:39.960 Municipalities when they treat the water and they're basically treating 973 00:51:39.960 --> 00:51:44.400 it with carcinogens. They are chemicals that disinfect the water 974 00:51:44.519 --> 00:51:47.679 that are also cancer crossing agents, so they're just not 975 00:51:47.800 --> 00:51:51.079 designed to It's totally up to us as individuals to 976 00:51:51.159 --> 00:51:53.199 take care of the quality of water that we consume. 977 00:51:54.320 --> 00:51:58.519 Well, Paul, is it fair that municipal water systems charge 978 00:51:58.599 --> 00:52:01.320 us and can't delivered to us water? 979 00:52:01.679 --> 00:52:03.920 I mean, really, at what. 980 00:52:03.800 --> 00:52:08.000 Point do they say, Well, don't you think some days 981 00:52:08.000 --> 00:52:10.079 it's going to be mandatory that if you have a 982 00:52:10.119 --> 00:52:11.400 house you have to have a system. 983 00:52:12.119 --> 00:52:14.519 Well, absolutely, I think it's mandatory now, to be very 984 00:52:14.679 --> 00:52:17.719 very frank with you. Which for example, the pi foss 985 00:52:17.840 --> 00:52:22.320 problem I you know, was caused by three M and DuPont. 986 00:52:22.960 --> 00:52:26.480 That contamination of forever chemicals has been going on since 987 00:52:26.519 --> 00:52:27.920 the nineteen seventies. 988 00:52:28.519 --> 00:52:31.199 And now we're not talking about the teflon too, right, 989 00:52:31.280 --> 00:52:33.079 You're talking about teflon and all that. 990 00:52:33.079 --> 00:52:35.880 That's it, that's yeah, these are the byproducts from teflon, 991 00:52:35.960 --> 00:52:39.199 you bet. And so this chemical contamination has been going 992 00:52:39.239 --> 00:52:42.840 on to the point where it's not only in our water, 993 00:52:43.480 --> 00:52:47.239 but that the human waste has to be disposed of 994 00:52:47.280 --> 00:52:50.719 when you remove it from a municipality's septic you know, 995 00:52:50.800 --> 00:52:55.360 plant sewer planted that human waste they call biosolid. They 996 00:52:55.360 --> 00:52:57.880 give it away to farmers and farmers use that to 997 00:52:57.920 --> 00:53:00.599 fertilize their fields. Fertilizer. 998 00:53:00.679 --> 00:53:03.840 The biosylid is full of p fas, So a lot. 999 00:53:03.719 --> 00:53:07.800 Of our farm ground is contaminated. There's stories you can 1000 00:53:07.920 --> 00:53:10.360 you can research this online. There are stories they talk 1001 00:53:10.440 --> 00:53:14.320 about farms, complete farms in Maine for example, a farmer 1002 00:53:14.440 --> 00:53:16.960 to you know, destroy all his dairy cows because the 1003 00:53:17.000 --> 00:53:19.840 milk was full of p fas. So it's something that. 1004 00:53:19.960 --> 00:53:22.960 You know, Paul vauls, So you're really you're really saying 1005 00:53:23.360 --> 00:53:26.000 that our poop is contaminated beyond normal. 1006 00:53:26.079 --> 00:53:28.599 Correct, Correct, That's that's the problem. 1007 00:53:29.000 --> 00:53:32.360 Correct, And they don't test for it, and that's the issue. 1008 00:53:32.559 --> 00:53:35.800 No what our urineb would are urine be contaminated as well? 1009 00:53:36.480 --> 00:53:40.400 Absolutely correct, it would be. It's a vicious cycle. And 1010 00:53:40.480 --> 00:53:43.320 think about this, folks that live in Castle Rock right now, 1011 00:53:43.440 --> 00:53:46.639 Douglas County and Castle Rock, they're about thirty five percent 1012 00:53:46.719 --> 00:53:49.519 reusable water where you know, the phrase is going from 1013 00:53:49.559 --> 00:53:52.480 the toilet to the tap. Eventually they want to increase 1014 00:53:52.639 --> 00:53:57.280 to a larger amount. It's recyclable, re usable water. What 1015 00:53:57.440 --> 00:54:01.079 concerns mean is that then you know the cancammination, you know, 1016 00:54:01.159 --> 00:54:04.480 could increase and become greater because you're reusing it when 1017 00:54:04.519 --> 00:54:07.440 you dump water. When water goes into you know, a 1018 00:54:07.519 --> 00:54:10.400 body of water, let's say the Platte River. So where 1019 00:54:10.480 --> 00:54:14.000 Aurora dumbst in the Platte downstream, Denver pulls it right 1020 00:54:14.039 --> 00:54:15.480 back out. So technically is. 1021 00:54:15.440 --> 00:54:16.360 That reusable water? 1022 00:54:16.440 --> 00:54:16.800 You bet. 1023 00:54:17.360 --> 00:54:20.519 And what they're not testing for is they're not testing 1024 00:54:20.559 --> 00:54:23.639 for the p files and letting everybody know. Now, Denver 1025 00:54:23.719 --> 00:54:26.800 County and Adams County did send letters out last year 1026 00:54:26.880 --> 00:54:29.360 saying to p FILEX levels were above what the EPA 1027 00:54:29.480 --> 00:54:32.719 stated to think about this real quick. They started out, 1028 00:54:32.760 --> 00:54:35.599 this is what's scary. They started out saying that p 1029 00:54:35.760 --> 00:54:39.039 fix levels could be couldn't be more than one part provillion. 1030 00:54:39.079 --> 00:54:41.840 Now that's pretty small. One part probillion is one drop, 1031 00:54:41.960 --> 00:54:44.760 and then until like a little excise ran well, okay, 1032 00:54:45.320 --> 00:54:48.599 then they mandated it down to four part petrullion, and 1033 00:54:48.639 --> 00:54:51.159 then shortly after that they mandated it down to zero. 1034 00:54:52.079 --> 00:54:55.320 So there's no way a municipality is designed right now 1035 00:54:55.360 --> 00:54:57.280 as you and I are talking to handle any of 1036 00:54:57.360 --> 00:55:00.480 those can't happen. So that's why going to be up 1037 00:55:00.480 --> 00:55:03.199 to each individual and My thought is they want to 1038 00:55:03.199 --> 00:55:06.320 give out you know, crants for people to buy you know, 1039 00:55:06.519 --> 00:55:09.599 electric bicycles and electric vehicles. They need to start doing 1040 00:55:09.639 --> 00:55:12.159 something like that so folks can buy you know, water 1041 00:55:12.199 --> 00:55:15.320 filtration systems because everybody needs water's health. 1042 00:55:15.920 --> 00:55:19.800 Well, listen, listen, what do you think I mean, is 1043 00:55:19.840 --> 00:55:22.880 anyone trying to get through the administration or congressman? I mean, 1044 00:55:22.880 --> 00:55:26.559 what are there any any kind of laws going on 1045 00:55:26.639 --> 00:55:27.360 that can help. 1046 00:55:27.239 --> 00:55:31.199 Us right now that's not being talked about. To my knowledge, 1047 00:55:31.239 --> 00:55:34.440 I don't know of anybody just lash election cycle, state 1048 00:55:34.519 --> 00:55:38.559 local officials. Nobody bought this up to anybody's attention. Now, 1049 00:55:38.960 --> 00:55:41.719 think about all the growth, all the growth that's going 1050 00:55:41.719 --> 00:55:43.719 around me, and it's just amazing how how big our 1051 00:55:43.760 --> 00:55:47.519 community is getting. And there's still a limited amount of 1052 00:55:47.519 --> 00:55:50.280 water resource, so there's only so much water goes around. 1053 00:55:50.400 --> 00:55:54.320 So eventually everybody in my in my belief for planning 1054 00:55:54.360 --> 00:55:56.320 this growth, and what they're going to do is go 1055 00:55:56.360 --> 00:55:59.840 to reusable water. That's what they do in California, reusable 1056 00:55:59.840 --> 00:56:02.239 water San Diego, right from the toilet to the tap. 1057 00:56:02.280 --> 00:56:05.239 And when you do that, think about this is another 1058 00:56:05.320 --> 00:56:11.559 thing that's pretty scary. These nanoplastics can carry carcinogens. These antoplastics. 1059 00:56:11.599 --> 00:56:15.400 Well, of course, I mean, I mean, Paul, without saying 1060 00:56:15.519 --> 00:56:18.239 I mean anything that you I mean, I don't even 1061 00:56:18.239 --> 00:56:19.119 know what we do about it. 1062 00:56:19.159 --> 00:56:20.960 But but what you can do. 1063 00:56:21.079 --> 00:56:24.079 Are you saying that we can have near damn near pure, 1064 00:56:24.199 --> 00:56:26.199 pure pure water with a system? 1065 00:56:26.719 --> 00:56:27.079 Correct? 1066 00:56:27.119 --> 00:56:27.719 Absolutely? 1067 00:56:27.719 --> 00:56:31.519 And here's the thing right now, that's why we were 1068 00:56:31.559 --> 00:56:34.440 you know, I designed this special because to me, it's 1069 00:56:34.519 --> 00:56:37.000 this important, you know, And that's why we have the 1070 00:56:37.039 --> 00:56:40.000 promotion that we're doing, because you have to have the 1071 00:56:40.079 --> 00:56:42.960 point of use for verse osmosis to other There's another 1072 00:56:43.159 --> 00:56:45.800 issue that we have you haven't even really talked about, 1073 00:56:45.840 --> 00:56:48.239 and that's the pharmaceuticals that are in the water supply. 1074 00:56:48.320 --> 00:56:50.000 And that's an absolute fan now, I know. 1075 00:56:50.079 --> 00:56:50.360 I know. 1076 00:56:50.599 --> 00:56:52.559 So let me get this straight, though. Let me get 1077 00:56:52.559 --> 00:56:56.760 this straight and truly I mean this, and people, I 1078 00:56:56.920 --> 00:56:59.760 feel very strongly about this, as strongly as I do 1079 00:56:59.880 --> 00:57:03.280 about you know, being proactive with your health and exercising 1080 00:57:03.360 --> 00:57:06.679 and what you eat. Well, my god, water is absorbed 1081 00:57:06.679 --> 00:57:09.920 through the skin, water is put into the ground, and 1082 00:57:09.960 --> 00:57:14.480 then water we drink, and you can get everything, everything treated, 1083 00:57:14.800 --> 00:57:20.280 everything for under four grand with this new special. It 1084 00:57:20.320 --> 00:57:24.480 includes the best triple filter reverse osmosis drinking water. You 1085 00:57:24.519 --> 00:57:28.119 can have removal of all chemicals and pfas. 1086 00:57:28.679 --> 00:57:30.920 Does it address the pharmaceuticals too. 1087 00:57:31.599 --> 00:57:34.960 Yes, the reverse osmosis will address the pharmaceuticals. Plus we're 1088 00:57:34.960 --> 00:57:37.679 getting rid of the total chlorine content. I can't tell you, 1089 00:57:37.719 --> 00:57:40.000 Tom how many homes I've been to where the total 1090 00:57:40.079 --> 00:57:41.360 chlorine content is in. 1091 00:57:41.320 --> 00:57:42.119 The hot water heater. 1092 00:57:42.199 --> 00:57:44.400 So that means we're breathing that in in the scheme 1093 00:57:44.440 --> 00:57:45.039 when we take a. 1094 00:57:45.000 --> 00:57:47.599 Hot right, so tell me the full price. Then I say, 1095 00:57:47.679 --> 00:57:49.559 under four grand? How much is it all in? 1096 00:57:50.480 --> 00:57:53.039 All in three ninety five dollars? 1097 00:57:53.039 --> 00:57:53.440 All in? 1098 00:57:54.079 --> 00:57:56.119 Okay? So it is under vice is five? Okay? 1099 00:57:56.199 --> 00:58:01.719 So listen, folks, you will never ever ever find a 1100 00:58:01.719 --> 00:58:04.559 better deal. And I talk to my good friends who 1101 00:58:04.599 --> 00:58:07.440 run plumbing companies, and I say, does it bother you 1102 00:58:08.039 --> 00:58:11.119 that I do these commercials for these guys because you 1103 00:58:11.159 --> 00:58:13.000 can't touch them, And they said, well, we can't. We 1104 00:58:13.039 --> 00:58:15.800 can't touch their prices, and we have a lot more 1105 00:58:15.800 --> 00:58:18.320 overhead and do a lot of other things, and so 1106 00:58:18.480 --> 00:58:20.559 everything gets aggregated over. 1107 00:58:20.440 --> 00:58:22.400 All of our calls. 1108 00:58:22.599 --> 00:58:25.039 And I understand that. And Paul's a business man. He 1109 00:58:25.119 --> 00:58:28.559 understands that, but this is all he does, so he's 1110 00:58:28.679 --> 00:58:32.039 able to just pass on the best savings everywhere. 1111 00:58:32.400 --> 00:58:34.760 And I'm telling you I want you to call him. 1112 00:58:34.639 --> 00:58:36.960 Three zero three eight six two five five five four 1113 00:58:37.639 --> 00:58:40.079 eight six two five five five four Paul, I'm going 1114 00:58:40.119 --> 00:58:41.599 to run onto this other guy that's. 1115 00:58:41.440 --> 00:58:45.679 Been he says, a framed you know, so you can 1116 00:58:45.719 --> 00:58:47.280 hang out in case we have questions. 1117 00:58:47.360 --> 00:58:49.119 I'm not making you leave, by the way, if you 1118 00:58:49.159 --> 00:58:50.920 want to hang out, you can because we might get 1119 00:58:51.000 --> 00:58:52.440 follow up texts or questions. 1120 00:58:52.639 --> 00:58:54.119 That's up to you. I'll leave that up to you 1121 00:58:54.159 --> 00:58:56.360 and Kelly. All right, Patrick, real. 1122 00:58:56.239 --> 00:58:57.719 Quick, I'm gonna take a break, but I want to 1123 00:58:57.719 --> 00:59:00.519 ask you. I'm Patrick, what is the state status of 1124 00:59:00.559 --> 00:59:04.559 your case right now? You say, even falsely accused, falsely arrested. 1125 00:59:05.119 --> 00:59:07.880 What is the status of the charges right now? 1126 00:59:09.920 --> 00:59:15.360 I'm supposed to appear May first for parents of counsel. 1127 00:59:16.760 --> 00:59:18.079 The judge had warned. 1128 00:59:17.840 --> 00:59:21.599 Okay, do you do you have an attorney? No? 1129 00:59:21.679 --> 00:59:24.559 I don't I need The judge had warned me because 1130 00:59:24.599 --> 00:59:29.960 I gone pro see, I had found this information after 1131 00:59:30.000 --> 00:59:35.360 I acquired my documentation on my discovery. I had opened 1132 00:59:35.360 --> 00:59:38.440 the files and I was going to go pro se 1133 00:59:38.519 --> 00:59:41.639 because it's black and white, it's clear as day. But 1134 00:59:42.239 --> 00:59:45.880 the judge warned me that terminology and whatever. 1135 00:59:46.199 --> 00:59:50.559 That's right, that's right, even the process, the process itself can. 1136 00:59:50.519 --> 00:59:55.559 Hurt you, Patrick, Yes, he warned me, process itself. 1137 00:59:57.400 --> 01:00:01.079 But I can't afford funding and life. Obviously, you heard 1138 01:00:02.840 --> 01:00:07.119 the case sounds crazy, it sounds delusional, so it's hard 1139 01:00:07.199 --> 01:00:11.920 to get anybody to look at it with no money. 1140 01:00:12.079 --> 01:00:14.920 All right, listen, I'm going to have somebody look at 1141 01:00:14.920 --> 01:00:17.239 it free of charge. 1142 01:00:17.880 --> 01:00:20.119 But I'm not going to say they're going to represent. 1143 01:00:19.760 --> 01:00:23.639 You, but I will have him look at it. 1144 01:00:26.360 --> 01:00:26.559 Now. 1145 01:00:27.000 --> 01:00:30.079 Katschina, I want you to do me a favor, Katchina, 1146 01:00:30.920 --> 01:00:31.840 are you listening, dear? 1147 01:00:32.039 --> 01:00:34.599 Put down the mimosa, all right. 1148 01:00:35.119 --> 01:00:38.239 I want you to get him to email us every 1149 01:00:38.280 --> 01:00:41.320 fire of the files he has. Then what I would 1150 01:00:41.400 --> 01:00:44.159 like is I would like Joela's ARRA to take a 1151 01:00:44.159 --> 01:00:45.000 look at his case. 1152 01:00:45.360 --> 01:00:46.920 We'll have a case number and everything. 1153 01:00:47.400 --> 01:00:49.599 Just tell Joe we want to first blush on this 1154 01:00:50.199 --> 01:00:53.000 and he'll look over all the paperwork and talk to us. Okay, 1155 01:00:53.000 --> 01:00:56.239 all right, yep, So hang on, Patrick, We're going to 1156 01:00:56.280 --> 01:00:59.880 get you some help and we're going to just basic, 1157 01:01:00.280 --> 01:01:04.079 get our guy to uh to look at it three 1158 01:01:04.079 --> 01:01:06.920 oh three seven to one three talk seven one three 1159 01:01:07.000 --> 01:01:09.559 A two five five Now listen Frank around the real 1160 01:01:09.679 --> 01:01:12.360 Estate Man. You want to talk about free analysis. He'll 1161 01:01:12.360 --> 01:01:14.119 do an analysis of your home and what it will 1162 01:01:14.119 --> 01:01:14.400 sell for. 1163 01:01:14.599 --> 01:01:14.920 Listen. 1164 01:01:15.159 --> 01:01:17.679 The market's updown and all around, depending on where you are, 1165 01:01:18.000 --> 01:01:21.559 and he will help you evaluate your home and come 1166 01:01:21.639 --> 01:01:23.320 up with a figure of what he thinks you'll net 1167 01:01:23.360 --> 01:01:26.000 on this. And he's accurate like ninety nine percent of 1168 01:01:26.079 --> 01:01:27.559 the time. So if you want to know what your 1169 01:01:27.559 --> 01:01:29.360 house will sell for free of charge three oh three 1170 01:01:29.480 --> 01:01:32.719 nine two zero sixteen twenty two, No obligational list three 1171 01:01:32.719 --> 01:01:35.039 oh three nine two zero sixteen twenty two Frank around 1172 01:01:35.039 --> 01:01:41.000 the real Estate Man dot com. Go with a sure 1173 01:01:41.119 --> 01:01:44.239 thing Denver's best roofer Excel Roofing dot com. 1174 01:01:44.239 --> 01:01:46.280 You don't pay a cent until you're content. 1175 01:01:49.639 --> 01:01:52.840 Time for an insurance check up free no obligation comparison 1176 01:01:52.960 --> 01:01:56.519 call Compass Insurance paying too much your coverage at dozens 1177 01:01:56.559 --> 01:01:59.280 of insurance companies find out now three oh three seven 1178 01:01:59.280 --> 01:02:01.639 to seven to one help. You'll think you're his only 1179 01:02:01.719 --> 01:02:04.199 customer when you choose Frank durand the real Estate man 1180 01:02:04.239 --> 01:02:07.679 dot com to list your home with Remax Alliance three 1181 01:02:07.719 --> 01:02:14.320 oh three nine two zero sixteen twenty two. Hey, I'm 1182 01:02:14.360 --> 01:02:17.079 Tom Martine. You're a troubleshooter and I've just been joined 1183 01:02:17.079 --> 01:02:20.400 by Deputy d here at the house and so we 1184 01:02:20.519 --> 01:02:23.280 got a full contingent and Deputy Doc is at homeworking 1185 01:02:23.320 --> 01:02:24.559 on stuff, and. 1186 01:02:24.800 --> 01:02:29.440 Uh, who else we have available? Kachina, Well, we don't 1187 01:02:29.480 --> 01:02:33.480 currently have anybody in the studio right now. Mark is 1188 01:02:33.519 --> 01:02:37.920 still I believe working with Gravinas, so he'll be back, okay. 1189 01:02:39.039 --> 01:02:41.679 And then that just goes to show you that we really, 1190 01:02:41.920 --> 01:02:45.119 we really do use our own sponsors. I mean, Mark's 1191 01:02:45.119 --> 01:02:49.159 out there and he's uh talking to Gravina. 1192 01:02:48.800 --> 01:02:54.639 Absolutely, and I do believe Bo is available. Good. 1193 01:02:54.840 --> 01:02:56.840 Now let's talk And by the way, if any of 1194 01:02:56.880 --> 01:02:58.920 you guys have follow ups, give me a call. I 1195 01:02:58.920 --> 01:03:01.480 want to talk to Paul Dowdy again with waterpros dot net. 1196 01:03:01.519 --> 01:03:05.800 I do have a couple of texts here Paul. Yes, sir, 1197 01:03:08.599 --> 01:03:11.440 somebody is writing about something. It's controversial. Some of my 1198 01:03:11.519 --> 01:03:15.320 sponsors sell it, but we have to address it. They 1199 01:03:15.360 --> 01:03:18.559 want to know about that hard water system that requires 1200 01:03:18.559 --> 01:03:24.599 no hookups or any what was it called again, hail. 1201 01:03:26.159 --> 01:03:27.760 Yes, that's exactly what it is. 1202 01:03:27.960 --> 01:03:30.800 I couldn't find the text right now, and that's so 1203 01:03:31.000 --> 01:03:34.239 I just found it. You're right, what about the halo system, 1204 01:03:34.719 --> 01:03:35.159 it's not. 1205 01:03:35.159 --> 01:03:39.000 It doesn't work. It doesn't soften water. There's a magnet 1206 01:03:39.159 --> 01:03:41.519 So water hardness is calcium carbonate. 1207 01:03:41.559 --> 01:03:42.360 It's a liquid. 1208 01:03:42.599 --> 01:03:45.679 When it oxidizes, it converts to a rock or a scale. 1209 01:03:46.440 --> 01:03:52.960 You're not going to pull the rize basically calcium carbonate. 1210 01:03:53.000 --> 01:03:56.840 It won't happen. So, long story shortcom resin has a 1211 01:03:56.880 --> 01:04:00.360 negative charge. Water hardness has a positive charge. When you 1212 01:04:00.440 --> 01:04:03.119 win the water through the resin, the resin grabs the 1213 01:04:03.159 --> 01:04:06.800 hardness before it oxidizes and goes to a scale. People 1214 01:04:06.880 --> 01:04:09.880 take that legitimate science and say, okay, well we're going 1215 01:04:09.960 --> 01:04:13.719 to try to magnetize. You can't magnetize basically a rock, 1216 01:04:14.400 --> 01:04:17.119 because that's what hard water does. It air comes in kind. 1217 01:04:17.280 --> 01:04:20.079 But let me explain it and even and that's very well. 1218 01:04:20.079 --> 01:04:22.480 I want to do in a very very very very 1219 01:04:22.519 --> 01:04:28.800 basic way. Water softening is the removal of minerals from 1220 01:04:28.880 --> 01:04:32.639 your water. It's that simple, and a certain amount of purification. Now, 1221 01:04:33.280 --> 01:04:37.199 what they tout it for is better laundry, better skin 1222 01:04:37.800 --> 01:04:42.920 better on your pipes, less wear, less calcification. What halo 1223 01:04:43.079 --> 01:04:47.039 can do is it can suspend and keep your pipes 1224 01:04:47.079 --> 01:04:50.199 a little cleaner now and then it does nothing for 1225 01:04:50.320 --> 01:04:52.920 your skin and for the delivery because all of the 1226 01:04:53.000 --> 01:04:56.400 minerals are still there when you pour that out of 1227 01:04:56.440 --> 01:04:59.599 a faucet. With a halo system, I can guarantee you, 1228 01:04:59.679 --> 01:05:03.079 we can test and every single mineral will be present 1229 01:05:03.119 --> 01:05:03.719 in that water. 1230 01:05:04.039 --> 01:05:05.599 It has not removed anything. 1231 01:05:06.039 --> 01:05:10.119 It just makes it go ahead. 1232 01:05:09.760 --> 01:05:14.400 One thing, Tom, the halo is super ineffective, and water 1233 01:05:14.440 --> 01:05:17.400 hardness is over ten grains per gamon. If you have 1234 01:05:17.599 --> 01:05:20.760 moderately hard water, then you could see a slight difference 1235 01:05:20.760 --> 01:05:23.199 with a halo, But when you have super hard water, 1236 01:05:23.480 --> 01:05:25.840 it just it won't work. It's just not effective. 1237 01:05:26.719 --> 01:05:29.320 In fact, we had a case where they sold a 1238 01:05:29.360 --> 01:05:33.159 halo system to a woman to preserve her water heater. 1239 01:05:33.280 --> 01:05:35.159 Remember yeah, no, it was up. 1240 01:05:35.239 --> 01:05:37.239 It was up and conn offer absolutely and. 1241 01:05:38.719 --> 01:05:39.840 They told her that. 1242 01:05:39.960 --> 01:05:43.679 You told her, they said, if you install this water 1243 01:05:43.760 --> 01:05:47.679 heater without something to condition your water, it's going to 1244 01:05:48.039 --> 01:05:53.159 calcify and be destroyed. So she put in the halo 1245 01:05:53.280 --> 01:05:55.840 system and what happened to the water heater. It was 1246 01:05:55.920 --> 01:05:57.280 calcified and destroyed. 1247 01:05:57.920 --> 01:06:00.639 Correct, Absolutely correct, that's right, that's what happened. And so 1248 01:06:00.880 --> 01:06:05.440 you know, a halo unit is basically, you know, it's 1249 01:06:05.440 --> 01:06:09.760 a carbon backwashing carbon filter with a magnetic you know, 1250 01:06:09.760 --> 01:06:12.599 at the bottom of it. And so if you think 1251 01:06:12.639 --> 01:06:15.039 about water hardness, and if you think about you know, 1252 01:06:15.159 --> 01:06:17.559 water in the majority of the metro area of the neighborhoods, 1253 01:06:17.559 --> 01:06:19.679 you're gonna have water hardness between you know, ten to 1254 01:06:19.760 --> 01:06:23.800 fifteen grains. And we've removed several halo units where you know, 1255 01:06:23.960 --> 01:06:26.480 it made no difference, and that's they were on water 1256 01:06:26.519 --> 01:06:30.199 conditions that were just very hard water. So you can't 1257 01:06:30.239 --> 01:06:32.599 magnetize water hardness. 1258 01:06:34.719 --> 01:06:38.079 You can suspend and you can trick somebody some of 1259 01:06:38.119 --> 01:06:41.239 the time, but it's not going to work. And I know, listen, 1260 01:06:41.599 --> 01:06:43.280 I know there are people that all swear by it, 1261 01:06:43.519 --> 01:06:46.880 and I'm telling you right now, if you did an 1262 01:06:46.960 --> 01:06:50.840 actual chemical test, you would find the water exactly the 1263 01:06:50.880 --> 01:06:54.199 same on each side, wouldn't you, Paul, Absolutely correct. 1264 01:06:54.440 --> 01:06:57.840 Now, there's some parts of the neighborhood where they have 1265 01:06:57.960 --> 01:07:00.519 what I call, you know, morally hard water, where you're 1266 01:07:00.559 --> 01:07:03.679 between three to five grains. Then you can see, you know, 1267 01:07:03.840 --> 01:07:06.840 a Halo, could you know, make it somewhat of a difference, 1268 01:07:06.880 --> 01:07:10.400 but not much. And again the hardness levels okay, the 1269 01:07:10.440 --> 01:07:11.440 same yep. 1270 01:07:12.639 --> 01:07:14.320 Okay, thank you, and that's uh. 1271 01:07:14.400 --> 01:07:17.000 Paul paula Waterman three oh three eight six two five 1272 01:07:17.039 --> 01:07:17.639 five five four. 1273 01:07:17.840 --> 01:07:19.000 I got to take a quick break. 1274 01:07:19.000 --> 01:07:21.400 Now. We're taking any of all of your calls at 1275 01:07:21.440 --> 01:07:23.719 three oh three seven one three Talks seven one three 1276 01:07:23.760 --> 01:07:26.079 eight two five five or of course three oh three Martino, 1277 01:07:26.519 --> 01:07:29.239 So we'll solve your problems, answer your questions, take your complaints, 1278 01:07:29.559 --> 01:07:31.280 and make your life just the little easier. 1279 01:07:31.639 --> 01:07:37.320 Stick around, go. 1280 01:07:37.400 --> 01:07:41.119 With a sure thing Denver's best roofer Excel Roofing dot com. 1281 01:07:41.159 --> 01:07:46.880 You don't pay a cent until you're content. Time for 1282 01:07:46.920 --> 01:07:50.119 an insurance check up free, no obligation. In comparison, call 1283 01:07:50.199 --> 01:07:53.519 Compass Insurance paying too much your coverage at dozens of 1284 01:07:53.559 --> 01:07:56.199 insurance companies find out now three oh three seven to 1285 01:07:56.280 --> 01:07:59.079 seven to one help. You'll think you're his only customer 1286 01:07:59.119 --> 01:08:01.360 when you choose Frank around the real estate Man dot 1287 01:08:01.400 --> 01:08:04.719 com to list your home with Remax Alliance three oh 1288 01:08:04.760 --> 01:08:14.280 three nine two zero sixteen twenty two. Hey Tom Martino, 1289 01:08:14.320 --> 01:08:17.600 your troubleshooter three oh three seven one three, talks seven 1290 01:08:17.600 --> 01:08:18.640 one three, two, five five. 1291 01:08:18.680 --> 01:08:20.960 Frank, what's going on with you? Frank Welcome to the show. 1292 01:08:22.319 --> 01:08:25.800 Yeah, you told me about a place in Denver that 1293 01:08:25.960 --> 01:08:27.520 has sisage and peppers. 1294 01:08:27.800 --> 01:08:29.960 What was the name of that store? 1295 01:08:31.439 --> 01:08:33.720 Do you remember the store or the restaurant? What do 1296 01:08:33.760 --> 01:08:37.079 you what do you mean by the store? Frankie was 1297 01:08:37.159 --> 01:08:37.720 the restaurant. 1298 01:08:37.760 --> 01:08:41.600 We had this conversation a couple of weeks ago about 1299 01:08:41.600 --> 01:08:43.960 where you can still go to get good, you know, 1300 01:08:44.000 --> 01:08:48.680 Italian sausage and peppers, and uh, there were only a 1301 01:08:48.680 --> 01:08:51.680 few options left, but Guetano's on thirty eight is still 1302 01:08:51.720 --> 01:08:51.960 one of. 1303 01:08:52.199 --> 01:08:55.399 And then another one was Viali's on Colorado Boulevard. It's 1304 01:08:55.439 --> 01:08:59.159 a it's in a strip over there, and it's it's 1305 01:08:59.199 --> 01:09:03.039 an amazingly good Italian restaurant, and unfortunately everybody's getting to 1306 01:09:03.079 --> 01:09:06.560 know it now. But it's not like luxury Italian or 1307 01:09:06.600 --> 01:09:10.600 something like quality Italian, but it's a different It's casual 1308 01:09:10.640 --> 01:09:14.840 Italian and they have great sausage and peppers. 1309 01:09:15.319 --> 01:09:24.119 Viali Vali v I Vali v A v I A 1310 01:09:24.439 --> 01:09:29.079 l E. It's on ninety thirty. 1311 01:09:30.880 --> 01:09:34.720 Viali v I A l E so vi al and 1312 01:09:34.800 --> 01:09:40.880 it is thirteen ninety South Colorado Boulevard. Okay, and again 1313 01:09:41.520 --> 01:09:45.239 this food and this food, and I'm gonna be straight 1314 01:09:45.239 --> 01:09:45.479 with you. 1315 01:09:45.479 --> 01:09:46.640 It's casual Italian. 1316 01:09:46.960 --> 01:09:48.960 It's nothing you have and you'll say, oh my god, 1317 01:09:49.000 --> 01:09:50.199 I got to tell everyone about this. 1318 01:09:50.640 --> 01:09:53.000 It's just good food and it's not. 1319 01:09:53.119 --> 01:09:56.640 But it's not like like an experience quality Italian. 1320 01:09:56.680 --> 01:09:57.840 I'll be honest with you on uh. 1321 01:09:58.119 --> 01:10:01.359 In Cherry Creek quality Italian, they have some stuff that 1322 01:10:01.439 --> 01:10:03.199 is an experience, but. 1323 01:10:03.199 --> 01:10:04.239 You don't always want that. 1324 01:10:04.439 --> 01:10:08.319 I like casual Italian, but man, you want to talk 1325 01:10:08.359 --> 01:10:12.399 sausage and peppers. That's a oh my god, it's inexpensive 1326 01:10:12.800 --> 01:10:15.319 and it's a great dish and it's at the Ali 1327 01:10:15.439 --> 01:10:16.319 Pizza and Kitchen. 1328 01:10:16.640 --> 01:10:17.960 So I hope that helps you. 1329 01:10:18.239 --> 01:10:20.840 We got more coming up on the Troubleshooter Show, ron 1330 01:10:20.920 --> 01:10:23.439 stick Around. I'll take your call right next on The 1331 01:10:23.479 --> 01:10:26.399 Troubleshooter Show three oh three seven to one three talk, 1332 01:10:26.640 --> 01:10:29.600 or you can call three oh three Martino three oh 1333 01:10:29.600 --> 01:10:35.319 three six two seven eight four sixty six. Go with 1334 01:10:35.399 --> 01:10:38.960 a sure thing Denver's Best Roofer Excel roofing dot com. 1335 01:10:39.000 --> 01:10:44.720 You don't pay a cent until you're contenth time for 1336 01:10:44.760 --> 01:10:47.960 an insurance check up free, no obligation. In comparison, call 1337 01:10:48.079 --> 01:10:51.359 Compass Insurance paying too much your coverage at dozens of 1338 01:10:51.399 --> 01:10:54.079 insurance companies find out now three oh three, seven to 1339 01:10:54.119 --> 01:10:56.920 seven to one help. You'll think you're his only customer 1340 01:10:56.960 --> 01:10:59.239 when you choose Frank durand the real estate Man dot 1341 01:10:59.239 --> 01:11:02.600 com to listen your home with Remax Alliance three oh 1342 01:11:02.600 --> 01:11:05.720 three nine two zero sixteen twenty two yea. 1343 01:11:10.039 --> 01:11:10.840 Ripped up. 1344 01:11:12.359 --> 01:11:15.359 News need advice so you don't have. 1345 01:11:17.560 --> 01:11:22.239 Come running Just as fast as we can, Shooter's gonna 1346 01:11:22.319 --> 01:11:23.199 help come. 1347 01:11:23.800 --> 01:11:28.920 Man six is the Troubleshooter Show. No Tom Martino. 1348 01:11:30.239 --> 01:11:32.279 Hey, I'm Tom Martino. Welcome to the show. 1349 01:11:32.359 --> 01:11:34.399 We are hoping we can help you with all of 1350 01:11:34.439 --> 01:11:38.039 your problems, qastians, complaints, those everyday aches and pains that 1351 01:11:38.079 --> 01:11:40.520 tick you off, and the ones that make you tick. 1352 01:11:40.920 --> 01:11:45.079 Welcome to the show, and we are here Monday through Friday. 1353 01:11:45.079 --> 01:11:47.039 But here's what I want to tell you. 1354 01:11:47.039 --> 01:11:49.880 You can call us twenty four to seven at three 1355 01:11:49.960 --> 01:11:53.960 oh three Martino three oh three six two seven eight 1356 01:11:54.039 --> 01:11:54.920 four sixty six. 1357 01:11:55.439 --> 01:11:57.439 For those streaming, I'll put that up on the screen. 1358 01:11:57.720 --> 01:11:59.640 Let's talk now to Ron, who had a question about 1359 01:12:00.039 --> 01:12:02.399 our Registration's, Ron, what's happening. 1360 01:12:04.520 --> 01:12:08.680 My neighbor bought our new US Hyundai at Mountain Hunday. 1361 01:12:09.560 --> 01:12:14.439 He's on his second temporary tag, so the county Broomfield 1362 01:12:14.520 --> 01:12:17.760 told him he couldn't get another one, and he still does. 1363 01:12:17.920 --> 01:12:21.079 Well, actually, hold on what they wait? Wait? 1364 01:12:21.119 --> 01:12:24.319 Wait when he when would they have told him that 1365 01:12:24.399 --> 01:12:25.760 in a traffic stop or what? 1366 01:12:27.479 --> 01:12:32.000 He went over to try to get his plate, Well, 1367 01:12:32.039 --> 01:12:32.520 you can't. 1368 01:12:32.560 --> 01:12:35.479 He can't get him unless he has the all the 1369 01:12:35.520 --> 01:12:36.359 title work. 1370 01:12:37.920 --> 01:12:38.159 Right. 1371 01:12:38.399 --> 01:12:41.399 And he was gonna he's running out of time on 1372 01:12:41.479 --> 01:12:43.479 his second one, and he was trying going to see 1373 01:12:43.520 --> 01:12:45.640 if he could get another one until he could get it, 1374 01:12:46.159 --> 01:12:47.319 and for some reason they came. 1375 01:12:47.439 --> 01:12:49.640 So he went to motor Wait, wait, wait the place. 1376 01:12:50.079 --> 01:12:52.760 Here's what he did wrong, Ron. He should have gone 1377 01:12:52.800 --> 01:12:55.880 to the dealer to issue it, and then Motor Vehicles 1378 01:12:55.920 --> 01:12:58.760 doesn't care. They don't give a rip if he went 1379 01:12:58.800 --> 01:13:01.920 to What they do want are people cheating the system 1380 01:13:01.960 --> 01:13:04.479 and not getting a car registered. But if he goes 1381 01:13:04.520 --> 01:13:07.920 back to the selling dealer and he's or I'm assuming 1382 01:13:07.920 --> 01:13:13.119 you bought it from a dealer, did he yes? Why 1383 01:13:13.159 --> 01:13:16.199 can't he just go back to the dealer and by 1384 01:13:16.239 --> 01:13:18.760 the way, the reason he can't get his title is 1385 01:13:18.800 --> 01:13:24.880 because of the dealer. That's right, So the dealer should 1386 01:13:24.880 --> 01:13:28.039 issue the temporary tag and motor Vehicle wouldn't. 1387 01:13:27.720 --> 01:13:29.840 Know anything about it. They don't keep track of that. 1388 01:13:31.479 --> 01:13:33.199 So he can go back to a dealer and get 1389 01:13:33.239 --> 01:13:34.720 another temporary. 1390 01:13:35.399 --> 01:13:37.319 Absolutely if it's their fault. 1391 01:13:37.600 --> 01:13:40.720 If it's their fault that he's not getting his title work, 1392 01:13:40.960 --> 01:13:43.920 it's in their lap, then he needs to say, look, 1393 01:13:44.359 --> 01:13:47.159 I need another tem tag. Do not get into the 1394 01:13:47.239 --> 01:13:49.520 story that he went down and tried to do it 1395 01:13:49.560 --> 01:13:52.399 on his own and motor vehicle said no. You don't 1396 01:13:52.439 --> 01:13:54.600 want to give the dealer any excuse to say no, 1397 01:13:55.039 --> 01:13:57.880 because there is no such thing as you can get 1398 01:13:57.920 --> 01:14:00.439 another one. I've known people that had four of them 1399 01:14:00.439 --> 01:14:03.039 from the dealer. The selling dealer is the one that 1400 01:14:03.119 --> 01:14:06.359 has to issue it. DMV does not keep track of them. 1401 01:14:06.479 --> 01:14:09.239 They won't be calling up your friends saying, oh, by 1402 01:14:09.279 --> 01:14:13.000 the way, we noticed you just had a third temporary tag. 1403 01:14:13.239 --> 01:14:16.000 We're not calling that good. They don't care. 1404 01:14:16.159 --> 01:14:19.640 All they care about is that you register your car. 1405 01:14:20.479 --> 01:14:23.079 Okay, that's kind of what I was after. I'm hoping 1406 01:14:23.119 --> 01:14:25.960 to help him out on as he from he's not 1407 01:14:26.279 --> 01:14:29.880 from this country, and he kind of gets confused and 1408 01:14:29.920 --> 01:14:30.319 I'm just. 1409 01:14:30.399 --> 01:14:32.720 Okay, come out. So I'll just tell him to go back. 1410 01:14:32.600 --> 01:14:34.840 To the dealership and tell them to give him another one. 1411 01:14:36.359 --> 01:14:39.000 Well, that's good. And you know what's said, is it 1412 01:14:39.119 --> 01:14:41.920 used to be? Now they've cracked down recently on stuff 1413 01:14:42.119 --> 01:14:42.800 it used to be. 1414 01:14:43.399 --> 01:14:45.239 I mean, how many times have you seen out of 1415 01:14:45.319 --> 01:14:47.720 date temp tags? For God's sakes, I see him all 1416 01:14:47.760 --> 01:14:49.760 the time. How many times do you see cars that 1417 01:14:49.840 --> 01:14:52.520 don't even have plates on them? Now they're starting to 1418 01:14:52.560 --> 01:14:55.359 crack down on him. But it was a joke that 1419 01:14:55.520 --> 01:14:59.039 if you, you know, if you're Mexican and you're driving around, 1420 01:14:59.119 --> 01:15:01.760 they'll let you go. Oh, I swear to god. I 1421 01:15:01.760 --> 01:15:04.000 mean there were people driving around. 1422 01:15:03.800 --> 01:15:05.880 For months and months and months and months and months 1423 01:15:06.079 --> 01:15:09.039 with no tags whatsoever, and I see them over and 1424 01:15:09.079 --> 01:15:10.760 over and over again. 1425 01:15:10.920 --> 01:15:13.720 I don't recommend that, and they are starting to crack down. 1426 01:15:14.960 --> 01:15:18.960 But it's a thing if you were Venezuela or Mexican. 1427 01:15:20.119 --> 01:15:21.560 Yeah. 1428 01:15:21.600 --> 01:15:24.920 Again, I'm sorry he's having that trouble. If he has 1429 01:15:25.039 --> 01:15:26.840 problems with the dealer, call us back. 1430 01:15:28.640 --> 01:15:29.399 I will do that. 1431 01:15:29.560 --> 01:15:32.960 Yeah, I'll let him know because he's the one should 1432 01:15:33.000 --> 01:15:35.279 call you. But I'm gonna talk to him a. 1433 01:15:35.319 --> 01:15:36.279 Little later anyway. 1434 01:15:36.319 --> 01:15:38.640 And he's asked me, okay, do what I'm trying to 1435 01:15:38.680 --> 01:15:40.720 help him out here, and I thought, of. 1436 01:15:40.680 --> 01:15:44.439 You, no problem, brother, thank you. You tell him he 1437 01:15:44.439 --> 01:15:47.359 can call us at any time. Troy Stern wants to 1438 01:15:47.399 --> 01:15:48.960 talk about a Senate bill. 1439 01:15:49.199 --> 01:15:51.000 I'm not sure which one. Go ahead, Troy. 1440 01:15:52.760 --> 01:15:55.760 Hey, Tom destroy I talked to you about a month ago, 1441 01:15:56.239 --> 01:15:59.439 cinnabel play five oh three? The uh? 1442 01:15:59.560 --> 01:16:00.479 And which one was that? 1443 01:16:02.239 --> 01:16:07.520 It's the Gunman bill, the one where they were gonna ban. 1444 01:16:07.760 --> 01:16:08.479 Which one was that? 1445 01:16:08.560 --> 01:16:10.960 Which one was that you you researched it actually for us? 1446 01:16:11.039 --> 01:16:13.640 What what hold on? Dmitri looked it up for us 1447 01:16:13.680 --> 01:16:14.680 at the time to meet. 1448 01:16:14.720 --> 01:16:17.159 Hey, Troy, I remember your call from about a month 1449 01:16:17.279 --> 01:16:20.520 or so ago. And I've been following that bill too, 1450 01:16:20.600 --> 01:16:23.560 and and I think it's on that fifteenth amend set 1451 01:16:23.560 --> 01:16:24.760 of amendments right now. 1452 01:16:25.439 --> 01:16:30.119 But the House calls update. I think it's oh good, 1453 01:16:30.159 --> 01:16:31.039 what is the update? 1454 01:16:32.640 --> 01:16:35.880 Okay? So the other day was that the House Committee, 1455 01:16:35.920 --> 01:16:40.880 the Judiciary Committee last night passed it with a ton 1456 01:16:40.920 --> 01:16:42.039 of amendments. 1457 01:16:42.399 --> 01:16:42.560 Uh. 1458 01:16:42.760 --> 01:16:45.920 The biggest impact is going to be they're not gonna 1459 01:16:46.600 --> 01:16:51.479 flat out ban the rifles, but to actually purchase one, 1460 01:16:52.119 --> 01:16:54.640 you have to go to your county sheriff and be 1461 01:16:55.159 --> 01:16:59.359 quote unquote vetted by the county sheriff, and then the 1462 01:16:59.359 --> 01:17:01.920 county sheriffs going to give you a card that you 1463 01:17:01.960 --> 01:17:06.680 can take to Colorado Parks of Wildlife to take a 1464 01:17:06.720 --> 01:17:09.319 gun safety course that does not exist. 1465 01:17:10.479 --> 01:17:12.800 And what kind of guns are we talking about? What? 1466 01:17:12.800 --> 01:17:14.720 What kind of guns are we talking about? For this 1467 01:17:16.439 --> 01:17:17.239 my understanding of. 1468 01:17:17.640 --> 01:17:19.079 Gas operated. 1469 01:17:20.359 --> 01:17:23.039 So gas operated, it's almost automatic. 1470 01:17:25.600 --> 01:17:29.039 Gas gas. What is he talking about? There's anything out 1471 01:17:29.239 --> 01:17:29.920 of a revolver? 1472 01:17:31.800 --> 01:17:37.680 Yeah, okay, basically it basically almost all semi automatic guns 1473 01:17:37.760 --> 01:17:38.319 other than. 1474 01:17:38.399 --> 01:17:40.439 Yeah, you mean the point, click and shoot. 1475 01:17:40.560 --> 01:17:43.039 Yeah, they they I mean, they did carve out a 1476 01:17:43.039 --> 01:17:47.279 couple of specific exceptions by name, but those are it's 1477 01:17:47.279 --> 01:17:50.439 a pretty minor set of exceptions. But basically they're trying 1478 01:17:50.439 --> 01:17:56.439 to make it much worse. Five guns, yeah, and uh uh. 1479 01:17:56.520 --> 01:17:58.520 And they're they're they're trying to make it much They 1480 01:17:58.520 --> 01:18:01.359 can't ban guns out right, they they recognize that, but 1481 01:18:01.399 --> 01:18:03.560 they're trying to make it so much of a hassle 1482 01:18:03.640 --> 01:18:06.000 to go and try to acquire one. And they're also 1483 01:18:06.039 --> 01:18:08.600 trying to make it so much more expensive but Troy, 1484 01:18:08.600 --> 01:18:11.960 as I pointed out last time you called, you know 1485 01:18:12.079 --> 01:18:15.720 our side, you know, the pro American, pro freedom, plural 1486 01:18:16.079 --> 01:18:20.239 liberty side has had a really good few years at 1487 01:18:20.279 --> 01:18:23.600 the Supreme Court, and this year is shaping up to 1488 01:18:23.600 --> 01:18:24.239 be even better. 1489 01:18:25.479 --> 01:18:25.640 There. 1490 01:18:25.760 --> 01:18:26.000 You know. 1491 01:18:26.079 --> 01:18:28.399 You see, there are a couple of outright assault weapon 1492 01:18:28.479 --> 01:18:31.079 ban cases that the Supreme Court is going to take 1493 01:18:31.199 --> 01:18:34.319 up this year. There are magazine there's at least one 1494 01:18:34.600 --> 01:18:38.319 magazine limit case that the Supreme Court is going to 1495 01:18:38.319 --> 01:18:42.000 take up this year. So you know, my prediction is 1496 01:18:42.319 --> 01:18:45.920 even if Colorado passes this law, which I believe they will, 1497 01:18:46.279 --> 01:18:48.279 it's it's going to be short lived. 1498 01:18:48.239 --> 01:18:49.800 Because the Supreme Court is going to put the. 1499 01:18:49.800 --> 01:18:53.079 Kabash on this nationwide ye to make sure. 1500 01:18:53.159 --> 01:18:54.920 The biggest problem right now is that they're going to 1501 01:18:54.920 --> 01:18:59.000 steal money from Colorado Parks and Wildlife to stand up 1502 01:18:59.039 --> 01:19:04.159 this education course that doesn't exist. So right now, Colorado 1503 01:19:04.199 --> 01:19:08.479 Parks in Wildlife we teach a hundred eight course and 1504 01:19:08.560 --> 01:19:16.319 it costs the students nothing, and so volunteers teach this course. 1505 01:19:16.840 --> 01:19:18.960 So when they say that they're going to have a 1506 01:19:19.239 --> 01:19:22.920 firearms education course, well they're going to have to develop 1507 01:19:22.960 --> 01:19:27.039 the curriculum, hire the instructors, because nobody's going to teach 1508 01:19:27.079 --> 01:19:31.960 this fararm safety course for free. The cost is going 1509 01:19:32.039 --> 01:19:34.119 to be outrageous. It's going to be millions of dollars. 1510 01:19:34.159 --> 01:19:36.279 And then we're going to have to the state is 1511 01:19:36.279 --> 01:19:39.800 going to be spending millions and millions of dollars fighting it. 1512 01:19:40.039 --> 01:19:43.279 You know, look, look what do you expect? Truly? Colorado 1513 01:19:43.439 --> 01:19:45.399 has become a joke? 1514 01:19:45.640 --> 01:19:49.359 Do you We had such a wonderful, beautiful state. It 1515 01:19:49.439 --> 01:19:52.479 was balanced, It wasn't lopsided one way or the other. 1516 01:19:52.680 --> 01:19:55.399 I don't want to see lopsided government, unless, of course, 1517 01:19:55.399 --> 01:19:58.119 you're trying to undo all the all all the stuff 1518 01:19:58.159 --> 01:20:00.680 that's been going on. If it was lopside, then you 1519 01:20:00.720 --> 01:20:04.560 have lopsided to lopsided. But eventually, I like a good mix, 1520 01:20:04.720 --> 01:20:07.439 and Colorado is anything but a good mix. I don't 1521 01:20:07.439 --> 01:20:10.239 know how the hell it happened, but it's been infiltrated 1522 01:20:10.279 --> 01:20:13.159 by nuts, absolute crazy people. 1523 01:20:13.039 --> 01:20:16.199 And I don't get it. I just don't get how 1524 01:20:16.279 --> 01:20:19.079 bad it is. And it's more. 1525 01:20:19.239 --> 01:20:21.920 We are more liberal and progressive than California. 1526 01:20:22.319 --> 01:20:23.439 I swear to god, we are. 1527 01:20:23.600 --> 01:20:26.600 By the way, renew home Innovations dot Com remember that name, 1528 01:20:26.680 --> 01:20:31.520 renew home Innovations dot com for your beautiful shower conversions 1529 01:20:31.840 --> 01:20:33.000 in pure porcelain. 1530 01:20:33.039 --> 01:20:33.640 They can put. 1531 01:20:33.479 --> 01:20:36.800 Porcelain all over the bathroom, your backdrops, your kitchen. They 1532 01:20:36.840 --> 01:20:40.640 do the only ones with this exclusive sheet porcelain product, 1533 01:20:40.680 --> 01:20:43.680 Real one Porcelain, and they do it in two or 1534 01:20:43.680 --> 01:20:46.079 three days, and you have months or years to pay 1535 01:20:46.319 --> 01:20:49.079 according to their financing options. 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So, uh, Wade has an issue with something 1559 01:22:19.439 --> 01:22:20.880 with tires at Walmart. 1560 01:22:20.920 --> 01:22:23.199 Wade good Man, what's going on? 1561 01:22:24.000 --> 01:22:27.359 Hey, longtime listener, first time caller, And you're probably gonna 1562 01:22:27.359 --> 01:22:30.039 love this one because I know you love these tires, 1563 01:22:30.279 --> 01:22:31.359 so we'll talk about it. 1564 01:22:31.520 --> 01:22:32.079 I have some. 1565 01:22:32.920 --> 01:22:36.439 I had some tires installed at Walmart Auto Care Center 1566 01:22:36.479 --> 01:22:39.960 at four forty Wadsworth Boulevard and Lakewood clear back in. 1567 01:22:40.359 --> 01:22:45.000 Let's see, it would be this January fifth, twenty twenty one, 1568 01:22:45.039 --> 01:22:48.199 and I had the beautiful bridgestone run flaps installed all 1569 01:22:48.199 --> 01:22:50.600 the way around the car and I got old. 1570 01:22:50.640 --> 01:22:53.119 Okay, so it was in January of twenty one. 1571 01:22:54.319 --> 01:22:59.399 January of twenty twenty one, four Okay, keep going fires. 1572 01:23:00.039 --> 01:23:01.960 This is a car that hardly gets driven at all 1573 01:23:02.000 --> 01:23:05.239 because I have four cars. Everything went good for several 1574 01:23:05.319 --> 01:23:08.359 years and then up until last year twenty twenty four. 1575 01:23:08.439 --> 01:23:11.359 At this end, I started getting a light that I. 1576 01:23:11.319 --> 01:23:12.039 Had a low tire. 1577 01:23:12.039 --> 01:23:15.119 Well, I found a screw in the right rear run flat. 1578 01:23:15.800 --> 01:23:17.399 So I said, oh, no, big deal, just take it 1579 01:23:17.439 --> 01:23:20.359 back to Walmartin and get it fixed. Well, I found 1580 01:23:20.399 --> 01:23:22.880 out they don't like fix and run flats anymore, and 1581 01:23:23.000 --> 01:23:25.199 they said the tire could not be repaired, it was 1582 01:23:25.239 --> 01:23:27.439 done for. So I said, okay, well. 1583 01:23:27.359 --> 01:23:30.760 What do we by the way, that's not hold on, bro, 1584 01:23:31.399 --> 01:23:35.279 I just want to It's not entirely it's not entirely true. 1585 01:23:35.279 --> 01:23:37.720 They don't like run flats anymore. The problem with run 1586 01:23:37.720 --> 01:23:40.359 flats is they can't be repaired. 1587 01:23:40.880 --> 01:23:43.319 Exactly, and that's what they said. This one could not 1588 01:23:43.399 --> 01:23:43.960 be repaired. 1589 01:23:45.479 --> 01:23:49.000 No, most most run flats. The only time, the only 1590 01:23:49.079 --> 01:23:49.880 time a run. 1591 01:23:49.720 --> 01:23:53.560 Flat can be repaired, would be a minor minor, minor 1592 01:23:54.319 --> 01:23:58.560 puncture in the tread, nothing even approaching the sidewall. So 1593 01:23:58.600 --> 01:24:01.079 the benefit of a run flat it gets you to 1594 01:24:01.640 --> 01:24:05.119 a tire place when you have a flat, But the 1595 01:24:05.239 --> 01:24:09.279 disadvantage is it can't be repaired, so when it can't 1596 01:24:09.319 --> 01:24:12.279 be repaired. You're looking at replacing it, but they will 1597 01:24:12.319 --> 01:24:15.159 never replace just one if it has any wear on it, 1598 01:24:15.359 --> 01:24:17.760 So now you're faced at buying at least two and 1599 01:24:17.800 --> 01:24:21.600 sometimes four tires for one flat. I ran into a 1600 01:24:21.680 --> 01:24:24.600 case where I had a flat on my sidewall, on 1601 01:24:24.720 --> 01:24:27.960 my run flat, and I ended up with a two 1602 01:24:28.039 --> 01:24:29.079 thousand dollars bill. 1603 01:24:30.119 --> 01:24:33.479 Well that's about where I'm at right now, because, as 1604 01:24:33.560 --> 01:24:35.520 I said, they said that they could not fix the 1605 01:24:35.560 --> 01:24:37.399 one tire with a screw in it. They did not 1606 01:24:37.560 --> 01:24:41.239 make them anymore, and I needed all new tires. And 1607 01:24:41.279 --> 01:24:44.039 the manager, her name is Betty Ann. She even said, 1608 01:24:44.319 --> 01:24:46.239 don't worry, We'll just buy you all new tires. It 1609 01:24:46.359 --> 01:24:48.560 sounded good at the time, but all of a sudden 1610 01:24:48.600 --> 01:24:51.560 she quit calling me nothing. And then finally I started 1611 01:24:51.680 --> 01:24:53.479 going by the store and say what am I going 1612 01:24:53.479 --> 01:24:55.760 to do here? And finally one guy says, well, our 1613 01:24:55.800 --> 01:24:57.960 big manager for the store said, just go ahead and 1614 01:24:58.079 --> 01:24:59.960 order a whole new set of tires and bring it. 1615 01:25:00.079 --> 01:25:03.760 Men here will install them and will reimburse you. I said, fantastic. 1616 01:25:03.840 --> 01:25:06.399 I did exactly that. I ordered a whole set of 1617 01:25:06.479 --> 01:25:09.279 BF Goodrich brand new tires from Walmart. 1618 01:25:09.279 --> 01:25:09.680 Dot com. 1619 01:25:09.680 --> 01:25:11.720 They were delivered there to the tire shop where they 1620 01:25:11.760 --> 01:25:14.680 first set was pulled off. They installed them, wrote hazard 1621 01:25:14.680 --> 01:25:17.680 warranty again. I always have full warranties. I was sitting 1622 01:25:17.720 --> 01:25:19.800 in the waiting room when they said, your car's almost ready, 1623 01:25:19.840 --> 01:25:22.119 and I was looking at my credit card and somebody 1624 01:25:22.159 --> 01:25:23.960 credited my count. It all went away, he said, The 1625 01:25:23.960 --> 01:25:27.319 managers in the back room working on issuing you a reimbursement. 1626 01:25:27.640 --> 01:25:30.560 Sounded great. I walked out the door happy as could be. 1627 01:25:31.119 --> 01:25:33.000 The next and I locked my credit card because the 1628 01:25:33.000 --> 01:25:35.560 credit card only had that on it. The next morning, 1629 01:25:35.600 --> 01:25:38.479 I woke up and lo and behold, Walmart charged my 1630 01:25:38.479 --> 01:25:41.720 credit card one thousand, one d and fifty eight dollars 1631 01:25:41.720 --> 01:25:44.439 and eighty six cents. I immediately called the credit card 1632 01:25:44.720 --> 01:25:47.279 and get I did a dispute on it. They started 1633 01:25:47.279 --> 01:25:49.520 the dispute papers. I had to send all my papers 1634 01:25:49.520 --> 01:25:52.239 into them, showing the original tires. I bought the second 1635 01:25:52.239 --> 01:25:54.960 set of tires. I bought all fully warranted blah blah blah. 1636 01:25:55.399 --> 01:25:56.720 And that's where we're at now. 1637 01:25:56.800 --> 01:25:57.039 Now. 1638 01:25:57.439 --> 01:25:59.600 A couple of weeks I went by and I noticed 1639 01:25:59.600 --> 01:26:02.399 the credit issue. But it's a provisional credit from a 1640 01:26:02.439 --> 01:26:04.960 credit card company. They're still battling out with Walmart. So 1641 01:26:04.960 --> 01:26:05.560 that's where I'm. 1642 01:26:05.479 --> 01:26:06.000 At right now. 1643 01:26:07.680 --> 01:26:10.399 Okay, let let me explain a few things that you're 1644 01:26:10.399 --> 01:26:12.399 not going to want to hear, and then a few 1645 01:26:12.439 --> 01:26:15.119 other things, and wait, I'm just going to give you 1646 01:26:15.159 --> 01:26:15.920 the black and white. 1647 01:26:15.960 --> 01:26:19.079 Okay, they don't owe you the tires. Okay, they just don't. 1648 01:26:19.640 --> 01:26:24.199 You bought a tire and it went bad and they 1649 01:26:24.239 --> 01:26:27.279 can't repair it. It's not because they don't make them anymore. 1650 01:26:27.399 --> 01:26:29.800 It's because they can't repair it. It has nothing to 1651 01:26:29.840 --> 01:26:32.520 do with whether they make them or not. They can't 1652 01:26:32.560 --> 01:26:35.840 repair it, and you can't just buy How many miles 1653 01:26:35.840 --> 01:26:36.680 were on this car? 1654 01:26:37.479 --> 01:26:39.000 How many miles were on these tires? 1655 01:26:39.680 --> 01:26:40.399 Five thousand? 1656 01:26:42.000 --> 01:26:46.920 Okay, that should be with a five thousand miles, you 1657 01:26:46.960 --> 01:26:49.880 shouldn't need all four new tires. That should be well 1658 01:26:49.880 --> 01:26:53.239 within replaceable range where you can replace one of those tires. 1659 01:26:53.640 --> 01:26:55.760 So if I were you, I would have looked for 1660 01:26:55.800 --> 01:26:58.800 one replacement tire period and put it on there and 1661 01:26:58.840 --> 01:26:59.720 you would have been fine. 1662 01:27:00.079 --> 01:27:02.520 Okay. I don't know why they said you needed all 1663 01:27:02.560 --> 01:27:05.479 new tires. That was wrong. You did not need all 1664 01:27:05.520 --> 01:27:06.039 new tires. 1665 01:27:06.119 --> 01:27:09.359 Yes, they were right, they said that the gap to 1666 01:27:09.399 --> 01:27:11.600 get only tires because they couldn't find any if they 1667 01:27:11.600 --> 01:27:14.359 were discontinued. And I looked on the web too, and 1668 01:27:14.399 --> 01:27:17.319 they were discontinued. And then I called several places. They 1669 01:27:17.319 --> 01:27:20.199 said Bridgestone discontinued the run flats completely. 1670 01:27:21.479 --> 01:27:24.319 Well, okay, but that doesn't mean you couldn't find one. 1671 01:27:24.920 --> 01:27:29.000 Okay if they discontinue them, Okay, but here's the deal, 1672 01:27:29.319 --> 01:27:29.760 you didn't. 1673 01:27:29.920 --> 01:27:31.239 It's too late now anyway. 1674 01:27:31.359 --> 01:27:33.520 But I believe at the time we could have found 1675 01:27:34.039 --> 01:27:36.319 even if it wasn't a Bridgestone, we could have found 1676 01:27:36.520 --> 01:27:40.359 an acceptable replacement tire that you could have put on 1677 01:27:40.439 --> 01:27:42.439 your car. Okay, I know you could. 1678 01:27:42.279 --> 01:27:44.760 Have, and it could have been a run flat and 1679 01:27:45.359 --> 01:27:46.239 it would have been fine. 1680 01:27:46.680 --> 01:27:49.800 The problem is, and they even have places that will 1681 01:27:49.840 --> 01:27:52.720 shave those tires down to match the others, so you 1682 01:27:52.760 --> 01:27:56.199 don't have to buy all four. But that's too late now. Now, 1683 01:27:56.279 --> 01:27:58.840 you bought four new tires under the premise that they 1684 01:27:58.840 --> 01:28:00.880 were going to pay for them. Well, in my opinion, 1685 01:28:00.880 --> 01:28:04.079 that's a contract. So do you have proof that they 1686 01:28:04.119 --> 01:28:05.640 said they would pay for them? 1687 01:28:06.319 --> 01:28:10.159 Yeah, just vocal from the manager and a couple of workers. 1688 01:28:10.159 --> 01:28:13.760 There are they denying it? Well, they deny it on 1689 01:28:13.800 --> 01:28:16.039 your dispute. Are they saying we never told them that? 1690 01:28:16.079 --> 01:28:19.640 What are they saying nothing? They're saying nothing. I can't 1691 01:28:19.640 --> 01:28:21.720 get her to call me. I've left well messing my name. 1692 01:28:22.279 --> 01:28:23.520 Well, we need to put this. 1693 01:28:25.680 --> 01:28:28.000 To one of our deputies to intercede for you, because 1694 01:28:29.159 --> 01:28:31.119 you don't sound like you're flat out lying. 1695 01:28:31.640 --> 01:28:36.359 But here's the bottom line. You claim that they. 1696 01:28:36.279 --> 01:28:41.079 Said, since we can't in this tire, you're gonna need 1697 01:28:41.119 --> 01:28:44.920 all FOURIGN new tires and we will buy them for you. 1698 01:28:44.960 --> 01:28:46.520 Now, they didn't say that buy them for me. They 1699 01:28:46.520 --> 01:28:48.199 said I'd have to buy them on my own and 1700 01:28:48.239 --> 01:28:49.319 then they'd reimburse me. 1701 01:28:51.520 --> 01:28:55.720 Okay, good's that's all the better because then that shows 1702 01:28:55.720 --> 01:28:59.600 the logical, the logical progression. 1703 01:28:59.640 --> 01:29:03.359 Where on your card and you were waiting to be reimbursed. 1704 01:29:02.880 --> 01:29:05.520 They took off Yeah, they took off the But here's. 1705 01:29:05.319 --> 01:29:05.960 What I want to know. 1706 01:29:06.239 --> 01:29:09.239 Hold on, hold on, hold on, hold on, bro If 1707 01:29:09.239 --> 01:29:11.960 they said you got to buy them and then we're 1708 01:29:11.960 --> 01:29:14.760 going to reimburse you, why would you contest the charge 1709 01:29:14.800 --> 01:29:16.239 then when it showed up the next day. 1710 01:29:16.399 --> 01:29:17.560 That doesn't make sense to me. 1711 01:29:18.680 --> 01:29:20.640 Well, no, she took the charge off my credit card 1712 01:29:20.640 --> 01:29:22.520 the day after they put them on, so I thought 1713 01:29:22.520 --> 01:29:25.159 we were done. I was literally sitting in the tire 1714 01:29:25.199 --> 01:29:27.359 waiting room and I asked the guy at the counter. 1715 01:29:27.439 --> 01:29:29.319 He goes, she's in the back room working on your 1716 01:29:30.239 --> 01:29:33.399 your reimbursement. And sure enough, I opened my credit card 1717 01:29:33.439 --> 01:29:37.000 app and it vanished. It vanished, the credit card went 1718 01:29:37.039 --> 01:29:39.079 back to having a zero balance. I put the lock 1719 01:29:39.159 --> 01:29:41.560 on my card and I went home and I checked 1720 01:29:41.600 --> 01:29:43.760 it all day and that night and it was zero balance. 1721 01:29:44.000 --> 01:29:47.439 And then the next day the next day, Oh, I 1722 01:29:47.600 --> 01:29:48.039 get it. 1723 01:29:48.239 --> 01:29:51.479 Oh I get it. Okay, okay, okay, got it, got it? 1724 01:29:51.520 --> 01:29:54.039 Got so and I seen it, really well, that is 1725 01:29:54.159 --> 01:29:56.560 odd all my card and said, I'm going to dispute 1726 01:29:56.600 --> 01:29:57.039 this right. 1727 01:29:57.239 --> 01:29:59.560 That's when you can test it. When you saw it, 1728 01:29:59.640 --> 01:30:03.640 rep you can tested it. I understand that completely. So 1729 01:30:04.199 --> 01:30:06.520 what's the latest you hear from them? 1730 01:30:07.279 --> 01:30:07.600 Nothing? 1731 01:30:07.880 --> 01:30:10.000 I've left about five more calls at Walmart and they 1732 01:30:10.000 --> 01:30:12.399 won't return my call. So the only people I'm dealing 1733 01:30:12.399 --> 01:30:13.800 with right now is my credit card. 1734 01:30:17.279 --> 01:30:19.920 Okay, we need to deal with it. We need to 1735 01:30:19.920 --> 01:30:24.079 get somebody on this case. Deputy deal take it. Okay, 1736 01:30:24.119 --> 01:30:26.760 he's right here right now. He'll be calling you and 1737 01:30:26.800 --> 01:30:29.359 then what we'll do. He'll probably call you later, but 1738 01:30:29.399 --> 01:30:32.079 what we'll do is we'll contact the Walmart for their 1739 01:30:32.119 --> 01:30:34.399 side of the story and try to get the ball rolling. 1740 01:30:34.720 --> 01:30:37.920 I really don't think I believe you. I believe every 1741 01:30:37.920 --> 01:30:40.920 bit of it. Otherwise, why would they have credit to you. 1742 01:30:41.000 --> 01:30:43.800 The first time I got all my ben I took 1743 01:30:43.800 --> 01:30:48.319 screenshots of all that, where it was, where it appeared. 1744 01:30:48.479 --> 01:30:48.920 One thing. 1745 01:30:49.640 --> 01:30:51.119 One thing I want to tell you, and I want 1746 01:30:51.119 --> 01:30:54.760 to tell other people that complain. When you tell this 1747 01:30:54.920 --> 01:30:58.439 story from here on out, you don't have to go 1748 01:30:58.560 --> 01:31:00.600 into so much detail about the first set of tires, 1749 01:31:00.640 --> 01:31:03.359 because then they start disputing, to begin with saying, well, 1750 01:31:03.399 --> 01:31:04.760 it's not our fault, you got a nail. 1751 01:31:05.000 --> 01:31:09.000 So what I would say is simply this, I bought tires. 1752 01:31:10.800 --> 01:31:13.880 Brand new bridge stones, and I needed four new ones 1753 01:31:13.920 --> 01:31:17.279 because they discontinued support for the bridge stone and I 1754 01:31:17.319 --> 01:31:18.479 couldn't repair one of them. 1755 01:31:18.600 --> 01:31:21.199 Period. I wouldn't get into the nail or anything. 1756 01:31:21.399 --> 01:31:25.399 Then I'd say they agreed to reimburse me, which they did, 1757 01:31:26.800 --> 01:31:29.199 and everything was fine until the next day they put 1758 01:31:29.199 --> 01:31:32.399 it back on my card. It's that simple, because then 1759 01:31:32.640 --> 01:31:34.880 then these people, then these people would have to say, 1760 01:31:34.880 --> 01:31:36.840 wait a minute, we didn't agree to that, but then 1761 01:31:37.159 --> 01:31:39.119 they did because you have proof they took it off 1762 01:31:39.119 --> 01:31:41.199 your card the first time, but then put it back 1763 01:31:41.199 --> 01:31:42.000 on the next day. 1764 01:31:42.239 --> 01:31:44.439 So you have a really good paper trail. 1765 01:31:45.520 --> 01:31:46.119 Yes I do. 1766 01:31:46.479 --> 01:31:48.239 So you hang on Wade. 1767 01:31:48.159 --> 01:31:49.760 Will you hang on bro And we're going to help 1768 01:31:49.760 --> 01:31:52.039 you out three oh three seven to one three eight 1769 01:31:52.039 --> 01:31:53.720 two five five. We have more coming up on the 1770 01:31:53.720 --> 01:31:56.159 Troubleshooter Show, and I urge you to get your calls 1771 01:31:56.159 --> 01:31:57.279 in if you need help. 1772 01:31:57.199 --> 01:31:57.920 Kind of like this. 1773 01:31:58.279 --> 01:32:01.119 You have an issue, whatever you do, don't let it fester. 1774 01:32:01.359 --> 01:32:04.920 You do not want something that that the longer fester's 1775 01:32:04.920 --> 01:32:07.199 the harder. Is to fix eight eight eight Heating dot 1776 01:32:07.239 --> 01:32:12.039 com for your your your high efficiency heating and air 1777 01:32:12.399 --> 01:32:15.920 at the best price anywhere, and they guarantee it, so 1778 01:32:16.000 --> 01:32:18.359 put them to the test. If you have an older unit, 1779 01:32:18.399 --> 01:32:20.640 you can save thirty to forty percent a month on 1780 01:32:20.680 --> 01:32:23.039 a new one three oh three seven seven zero two 1781 01:32:23.039 --> 01:32:26.159 seven seven six seven seven zero two seven seven six 1782 01:32:31.760 --> 01:32:35.000 Go with a sure thing Denver's Best roofer Excel Roofing 1783 01:32:35.119 --> 01:32:37.760 dot Com. You don't pay a cent until you're content. 1784 01:32:41.119 --> 01:32:44.319 Time for an insurance checkup free no obligation. In comparison, 1785 01:32:44.439 --> 01:32:48.000 call Compass Insurance paying too much your coverage at dozens 1786 01:32:48.039 --> 01:32:50.760 of insurance companies find out Now three oh three seven 1787 01:32:50.840 --> 01:32:53.680 seven to one help. You'll think you're his only customer 1788 01:32:53.680 --> 01:32:55.960 when you choose Frank durand the real estate man dot 1789 01:32:56.000 --> 01:32:59.319 com to list your home with Remax Alliance three oh 1790 01:32:59.319 --> 01:33:08.239 three nine two year old sixteen twenty two Tom marks 1791 01:33:08.239 --> 01:33:09.000 you know you're Jay. 1792 01:33:09.479 --> 01:33:13.439 You have a comment on this tire issue with Wade. 1793 01:33:13.479 --> 01:33:18.199 He had four run flats, one went bad and oh 1794 01:33:18.279 --> 01:33:19.000 Jay hung up. 1795 01:33:19.279 --> 01:33:20.239 I'm sure to fill out. 1796 01:33:20.520 --> 01:33:24.079 Sorry Jay, Jay, you can call back if you'd like, 1797 01:33:24.560 --> 01:33:28.680 but listen, this is the problem with run flats. If 1798 01:33:28.720 --> 01:33:31.279 you buy a new car, negotiate to have him taken off. 1799 01:33:31.960 --> 01:33:35.920 A run flat is for convenience and is for girly girls. 1800 01:33:36.359 --> 01:33:37.600 It's for I'm just. 1801 01:33:37.600 --> 01:33:40.119 Kidding guys, but it's like, when you get a flat, 1802 01:33:41.800 --> 01:33:45.199 you can drive anywhere. You can drive under fifty miles 1803 01:33:45.199 --> 01:33:48.760 an hour and fifty miles fifty to fifty. That's it. 1804 01:33:48.760 --> 01:33:51.760 It's not meant to run flat forever. It's run to run. 1805 01:33:52.079 --> 01:33:54.399 It's made to run to the neck, to the store. 1806 01:33:54.640 --> 01:33:57.399 So it all it does is keeps you from having 1807 01:33:57.399 --> 01:33:59.800 to jack up and putting on a spare that's all 1808 01:33:59.840 --> 01:34:01.560 it does, or calling triple A. 1809 01:34:01.800 --> 01:34:03.880 I'd rather call triple A okay. 1810 01:34:04.840 --> 01:34:08.720 And if it's a regular tire, you can fix it 1811 01:34:09.279 --> 01:34:12.760 ninety percent of the time. If it's a run flat, 1812 01:34:13.760 --> 01:34:18.399 you can't fix it ninety percent of the time. So 1813 01:34:18.720 --> 01:34:22.800 if your run flat has five thousand or under, you 1814 01:34:22.840 --> 01:34:27.000 can replace it. If your run flat has more than 1815 01:34:27.039 --> 01:34:31.279 five thousand miles, you have to buy all four of them. 1816 01:34:31.520 --> 01:34:34.399 Now, I swear to God, that is what you're buying. 1817 01:34:34.439 --> 01:34:36.920 When you buy a run flat, you're buying a peck 1818 01:34:36.920 --> 01:34:43.359 of trouble. And that trouble means a two thousand dollars spare, 1819 01:34:43.680 --> 01:34:47.119 excuse me, a flat, a two thousand dollars flat. You 1820 01:34:47.199 --> 01:34:51.720 buy it once and then you get a flat. You're screwed. 1821 01:34:51.760 --> 01:34:54.439 It doesn't matter where it is. They can't repair them. 1822 01:34:54.720 --> 01:34:56.800 They won't, I say ninety percent of the time. 1823 01:34:56.840 --> 01:34:57.640 They won't repair them. 1824 01:34:57.880 --> 01:35:04.359 Even technically the manufacturer says you can't repair them at all, 1825 01:35:04.399 --> 01:35:07.399 but some places will at least attempt to repair them. 1826 01:35:07.960 --> 01:35:11.399 If the damage is a puncture, not a tear, but 1827 01:35:11.479 --> 01:35:16.000 a puncture from the in the main tread area. 1828 01:35:16.439 --> 01:35:20.960 They will not go up the side. Ever, So if 1829 01:35:21.000 --> 01:35:21.640 you have a. 1830 01:35:21.560 --> 01:35:26.600 Puncture in the main tread area, some shops will repair 1831 01:35:26.720 --> 01:35:29.039 them and there's nothing wrong with it, even though they 1832 01:35:29.039 --> 01:35:32.039 say they shouldn't be repaired. You can plug those suckers 1833 01:35:32.279 --> 01:35:35.800 just fine. And that's what I would do. But if 1834 01:35:35.840 --> 01:35:38.600 you get any kind of a flat outside of the 1835 01:35:38.640 --> 01:35:43.119 tread area, you're looking at buying four new tires unless 1836 01:35:43.159 --> 01:35:46.199 you have less than five thousand miles on them. Now, 1837 01:35:46.239 --> 01:35:49.439 there are people who will say right now, and they'll say, well, Tom, 1838 01:35:49.479 --> 01:35:53.119 you can always buy a new run flat for the 1839 01:35:53.159 --> 01:35:56.479 one that you flatted and shave it down to match 1840 01:35:56.560 --> 01:36:01.000 the other three. Yes, that can be done. Very few 1841 01:36:01.039 --> 01:36:05.640 people do that. Tire shaving, very few people do it. 1842 01:36:06.359 --> 01:36:10.319 What you're doing is buying a hassle. It is a 1843 01:36:10.359 --> 01:36:13.439 big hassle. Three h three seven to one three talk 1844 01:36:13.479 --> 01:36:15.880 seven one three eight two five five. I'd like to 1845 01:36:15.920 --> 01:36:18.640 know if any of my deputies have any follow ups. 1846 01:36:19.199 --> 01:36:22.600 If not, I'm going to go to some very important 1847 01:36:22.600 --> 01:36:23.840 things I wanted to discuss. 1848 01:36:24.880 --> 01:36:30.800 Now, this should be obvious. I think it should be. 1849 01:36:31.279 --> 01:36:37.840 How many times either a venmo or a store, a menu, 1850 01:36:38.520 --> 01:36:42.800 park bench you've seen a QR code and you scan it, 1851 01:36:43.159 --> 01:36:46.239 you don't think two things about it. A QR code 1852 01:36:46.279 --> 01:36:48.520 for a menu pretty easy. You scan it, you get 1853 01:36:48.560 --> 01:36:51.119 a menu. If you're at a reputable restaurant, nothing to 1854 01:36:51.159 --> 01:36:55.399 worry about. But let me explain what some people are doing. 1855 01:36:56.199 --> 01:36:59.239 They're putting QR codes over the one in the restaurant 1856 01:36:59.399 --> 01:37:02.199 of their own. It still brings up the menu, so 1857 01:37:02.239 --> 01:37:06.560 you're not suspicious, but it also plans a virus on 1858 01:37:06.600 --> 01:37:12.880 your phone or spywear, or you may find somebody unscriptless. 1859 01:37:13.079 --> 01:37:15.359 Let's even say a valet guy and he has a 1860 01:37:15.439 --> 01:37:18.680 Venmo for his tip. I venmo people for tips where 1861 01:37:18.680 --> 01:37:21.840 they send you a pay request. What you don't understand 1862 01:37:21.960 --> 01:37:25.279 is they can alter that QR code to do two things, 1863 01:37:25.760 --> 01:37:29.880 one to take you to their Venmo, but the second 1864 01:37:29.960 --> 01:37:34.119 one is to install spywear. So you pay the guy 1865 01:37:34.199 --> 01:37:37.680 ten bucks and a few weeks later, five hundred dollars 1866 01:37:37.720 --> 01:37:42.680 shows up going to somewhere. So QR codes I love them, 1867 01:37:43.199 --> 01:37:46.880 but when you scan QR codes that have been manipulated 1868 01:37:47.159 --> 01:37:50.359 or from people or things you don't trust, you can 1869 01:37:50.439 --> 01:37:53.680 find some serious trouble on your phone. 1870 01:37:54.720 --> 01:37:55.640 It's the new. 1871 01:37:55.479 --> 01:38:01.720 Way they're getting these viruses on your phone, you are 1872 01:38:01.800 --> 01:38:06.039 voluntarily doing it. In fact, there are park benches and 1873 01:38:06.079 --> 01:38:09.439 there are like advertisements all over the place that carry 1874 01:38:09.520 --> 01:38:13.920 QR codes. You never know whether those QR codes are 1875 01:38:13.960 --> 01:38:17.279 safe or not. Now, obviously, if you're inside a Nordstrom 1876 01:38:17.319 --> 01:38:19.399 and you see a QR code at the jewelry counter, 1877 01:38:19.760 --> 01:38:21.680 you know, most likely you know you want to read 1878 01:38:21.680 --> 01:38:23.520 about that piece of jewelry it's going to be fine. 1879 01:38:23.680 --> 01:38:25.600 Or you're at a restaurant and you look at the menu, 1880 01:38:26.159 --> 01:38:28.840 or or you want to Venmo the guy park in 1881 01:38:28.880 --> 01:38:35.640 your car a tip. Those con related and then especially 1882 01:38:35.720 --> 01:38:39.479 strange ones like I know that Dragon likes to scan 1883 01:38:39.600 --> 01:38:41.800 the QR codes in the men's room, but you can't 1884 01:38:41.840 --> 01:38:45.760 do it. It's not safe. You could pick up a virus. Well, 1885 01:38:45.760 --> 01:38:48.760 actually there's world that's a double entire you're gonna take 1886 01:38:48.840 --> 01:38:50.439 up way warning a virus. 1887 01:38:50.840 --> 01:38:52.079 Yeah, but boom. 1888 01:38:52.159 --> 01:38:55.239 Anyway, we got more more And I'm just kidding about 1889 01:38:56.079 --> 01:38:59.760 about him scanning the QR codes. He usually just copies 1890 01:38:59.800 --> 01:39:02.319 down the numbers from the crayon three oh three seven one, 1891 01:39:02.359 --> 01:39:09.399 three eight two five five Go with a sure thing 1892 01:39:09.520 --> 01:39:12.840 Denver's best roofer Excel roofing dot com. You don't pay 1893 01:39:12.880 --> 01:39:18.720 a cent until you're content than time for an insurance 1894 01:39:18.800 --> 01:39:22.479 check up free no obligation. In comparison, call Compass Insurance 1895 01:39:22.640 --> 01:39:25.680 paying too much your coverage at dozens of insurance companies 1896 01:39:25.760 --> 01:39:28.359 find out now three oh three seven seven to one help. 1897 01:39:28.520 --> 01:39:31.159 You'll think you're his only customer when you choose Frank 1898 01:39:31.199 --> 01:39:33.680 durand the real estate Man dot com to list your 1899 01:39:33.680 --> 01:39:36.880 home with Remax Alliance three oh three nine two zero 1900 01:39:36.960 --> 01:39:49.479 sixteen twenty two. Hey Tom Martino here, Welcome to the show. 1901 01:39:50.520 --> 01:39:53.119 Three oh three seven one three talk seven one three 1902 01:39:53.119 --> 01:39:55.880 eight two five five. Remember call with problems question you 1903 01:39:55.880 --> 01:39:57.239 can place for getting to the end of one hour, 1904 01:39:57.279 --> 01:39:59.600 have another hour of the third hour, have another hour 1905 01:39:59.640 --> 01:39:59.880 to go. 1906 01:40:00.479 --> 01:40:04.000 And I want to talk about stocks. We talked about 1907 01:40:04.039 --> 01:40:04.399 a little. 1908 01:40:04.399 --> 01:40:08.119 Stocks are down and a lot of that is anxiety 1909 01:40:08.159 --> 01:40:11.520 over tariffs, bottom line. And I wanted to just mention 1910 01:40:11.600 --> 01:40:17.800 this when it comes to influx in the market and 1911 01:40:18.199 --> 01:40:21.319 x flux if that's the word, exodus out of a market, 1912 01:40:22.279 --> 01:40:27.199 you have movement in stock no matter what. If you sell, 1913 01:40:27.399 --> 01:40:31.439 you cement your loss. It's not wise to do unless, 1914 01:40:31.439 --> 01:40:33.560 of course, let's put it this way, we're in such 1915 01:40:33.560 --> 01:40:36.279 a free fall. The entire country's failing and it's a 1916 01:40:36.319 --> 01:40:39.560 major recession. But that's not happening. And the way you 1917 01:40:39.640 --> 01:40:42.800 know that are the other fundamentals. You look at inflation, 1918 01:40:43.359 --> 01:40:47.079 you look at unemployment, you look at production. There are 1919 01:40:47.119 --> 01:40:50.800 things called lead and lag indicators. What you want are 1920 01:40:50.840 --> 01:40:54.920 the lead indicators and leading indicators tell you what the 1921 01:40:54.920 --> 01:40:55.800 economy is doing. 1922 01:40:56.239 --> 01:40:57.760 And right now, our leading. 1923 01:40:57.479 --> 01:41:04.640 Indicators are positive, okay, and then our currents, however, indicators 1924 01:41:05.119 --> 01:41:09.199 are not so positive because of anxiety over terrists and 1925 01:41:09.279 --> 01:41:16.720 what could possibly happen. That falls under the topic of perceptionomics. Now, 1926 01:41:16.760 --> 01:41:20.159 perceptionomics can make people move in and out of markets rapidly. 1927 01:41:20.680 --> 01:41:25.119 People cement their loss and then they're out. Some people 1928 01:41:25.680 --> 01:41:29.399 look for opportunities. Those are the wise ones, because when 1929 01:41:29.399 --> 01:41:31.399 you have a lot of money going to cash and 1930 01:41:31.479 --> 01:41:35.680 people selling, you have deals with stocks. Right now, Walmart's 1931 01:41:35.720 --> 01:41:38.960 a great deal. It's a great deal, and don't try 1932 01:41:39.000 --> 01:41:41.199 to time the bottom. You can buy a little now 1933 01:41:41.239 --> 01:41:43.000 and if it goes down by a little more and 1934 01:41:43.039 --> 01:41:47.399 you do what's called dollar cost averaging. But most people don't. 1935 01:41:47.520 --> 01:41:49.279 Most people buy it on the way up. That's not 1936 01:41:49.359 --> 01:41:51.720 the way to do it. So now's the time to 1937 01:41:51.760 --> 01:41:55.760 be buying quality stock and staying put. If you have 1938 01:41:55.840 --> 01:41:58.520 some losses in a regular stock, don't sell the buy. 1939 01:42:00.079 --> 01:42:03.520 Don't sell your loss to buy one on sale. You've 1940 01:42:03.600 --> 01:42:04.560 just traded dollars. 1941 01:42:05.159 --> 01:42:08.159 The other thing, when you have a lot of cash 1942 01:42:08.199 --> 01:42:12.159 outside of the market waiting to come back, as soon 1943 01:42:12.199 --> 01:42:16.039 as indicators look better, they start coming back, and that's 1944 01:42:16.079 --> 01:42:19.439 when you get the ones you bought on sale to grow. 1945 01:42:20.840 --> 01:42:24.960 So it takes a lot of sophistication. You don't just 1946 01:42:25.079 --> 01:42:27.399 buy and sell a knee jerk. And it was Warren 1947 01:42:27.439 --> 01:42:30.760 Buffet who says when everyone else is feeling bold, he's cautious, 1948 01:42:31.439 --> 01:42:34.640 and when everybody else is cautious, he's bold. I mean, 1949 01:42:35.319 --> 01:42:37.159 that's not the exact quote. I guess I can find 1950 01:42:37.199 --> 01:42:40.319 it if I need to. So I want to say 1951 01:42:40.359 --> 01:42:43.840 all this that truly, and I mean this sincerely. If 1952 01:42:43.880 --> 01:42:46.439 you have anxiety, money anxiety, if you want to talk 1953 01:42:46.479 --> 01:42:48.439 and consult with us, where be happy to do it, 1954 01:42:48.479 --> 01:42:51.239 free of charge, no obligation. I swear to you when 1955 01:42:51.279 --> 01:42:53.560 I say that, I mean it. We have people now 1956 01:42:53.600 --> 01:42:57.319 that we're helping under no obligation whatsoever, that call us 1957 01:42:57.319 --> 01:43:00.720 and email us all the time for advice. So if 1958 01:43:00.760 --> 01:43:02.279 you want to do that you can call us at 1959 01:43:02.279 --> 01:43:05.600 three oh three seven seven to one help three oh 1960 01:43:05.640 --> 01:43:07.920 three seven seven one four three five seven. 1961 01:43:08.159 --> 01:43:10.359 And I'm talking specifically about Wave eight. 1962 01:43:10.239 --> 01:43:14.840 Wealth Management, my company, and you can text me personally 1963 01:43:15.239 --> 01:43:17.520 on this Google number seven four seven. 1964 01:43:19.399 --> 01:43:19.680 Baby. 1965 01:43:20.399 --> 01:43:26.399 That's the text for the show seven four seven fifty 1966 01:43:26.479 --> 01:43:29.319 two eighty And I'd love to talk to you speaking 1967 01:43:29.359 --> 01:43:33.399 about that. Somebody says it text me here is QC 1968 01:43:33.600 --> 01:43:35.560 Colorado is still a good company to buy an attic 1969 01:43:35.640 --> 01:43:37.399 or whole house fan. First of all, it's a whole 1970 01:43:37.399 --> 01:43:40.279 house fan and QC Colorado is a great company. 1971 01:43:40.680 --> 01:43:43.520 Now, it's not the only company that sells the quiet 1972 01:43:43.560 --> 01:43:44.520 cool whole house. 1973 01:43:44.319 --> 01:43:46.960 Fan, just so you know that they're not the only company, 1974 01:43:47.119 --> 01:43:49.920 but they specialize in it. So I like them because 1975 01:43:49.920 --> 01:43:53.800 they do specialize in it. And these whole house fans, 1976 01:43:54.319 --> 01:43:57.079 you cannot go wrong with them. You just cannot go wrong. 1977 01:43:57.720 --> 01:43:59.279 You need to have it. 1978 01:43:59.279 --> 01:44:03.119 It it It destratifies the air in your home, and 1979 01:44:03.159 --> 01:44:06.760 that's very, very important. So you destratify the air you 1980 01:44:06.800 --> 01:44:10.239 even out to temperatures so your HVAC works less. It's 1981 01:44:10.239 --> 01:44:13.479 only really to be used in the summer. Sometimes you 1982 01:44:13.520 --> 01:44:15.800 can use it and get away without using air conditioner 1983 01:44:15.920 --> 01:44:18.560 much of the time. I do that myself. Now, the 1984 01:44:18.600 --> 01:44:21.640 only caveat is this. If you have a whole house fan, 1985 01:44:21.960 --> 01:44:26.119 you must make sure your attic is well ventilated so 1986 01:44:26.279 --> 01:44:29.159 it can take the air coming out of the hot 1987 01:44:29.199 --> 01:44:31.600 air out of your home and expel it through the attic. 1988 01:44:31.840 --> 01:44:35.720 But remember, the whole house fan is not an attic fan. 1989 01:44:36.479 --> 01:44:39.199 The whole house fan is a whole house fan. An 1990 01:44:39.279 --> 01:44:44.520 attic fan is completely separate that ventilates your attic. Sometimes 1991 01:44:44.520 --> 01:44:47.239 you need it, sometimes you don't. But having one without 1992 01:44:47.239 --> 01:44:50.239 the other is foolhardy. Okay, we got another hour to 1993 01:44:50.239 --> 01:44:51.880 go three oh three seven to one three you talk 1994 01:44:51.920 --> 01:44:53.000 three oh three seven one. 1995 01:44:52.960 --> 01:44:54.159 Three eight two five five. 1996 01:44:54.199 --> 01:45:02.119 Stick around for more on the Troubleshooter Show. Go with 1997 01:45:02.199 --> 01:45:05.800 a sure Thing Denver's best roofer Excel Roofing dot com. 1998 01:45:05.840 --> 01:45:07.840 You don't pay a cent until you're content. 1999 01:45:11.199 --> 01:45:14.399 Time for an insurance check up, free no obligation comparison 2000 01:45:14.560 --> 01:45:18.079 call Compass Insurance. Pay too much your coverage at dozens 2001 01:45:18.119 --> 01:45:20.840 of insurance companies find out now three oh three seven 2002 01:45:20.960 --> 01:45:23.760 seven to one help. You'll think you're his only customer 2003 01:45:23.800 --> 01:45:26.039 when you choose Frank durand the Real Estate man dot 2004 01:45:26.079 --> 01:45:29.359 com to list your home with Remax Alliance three oh 2005 01:45:29.439 --> 01:45:37.600 three nine two zero sixteen twenty two rift of. 2006 01:45:39.359 --> 01:45:45.720 You needed, so you don't have come run incous. 2007 01:45:45.800 --> 01:45:51.560 As fast as we can, Shooter's gonna help come man. 2008 01:45:51.760 --> 01:45:53.960 This is the Troubleshooter Show. 2009 01:45:54.560 --> 01:46:00.680 No Tom Martine, Hello Tom mart You know here three 2010 01:46:00.760 --> 01:46:02.800 O three seven to one three talks seven one three 2011 01:46:02.880 --> 01:46:04.680 eight two five five, The show that. 2012 01:46:04.680 --> 01:46:08.520 Talks about everything, the everyday aches and pains, the things 2013 01:46:08.560 --> 01:46:11.880 that make you tick, the things that tick you off. 2014 01:46:12.279 --> 01:46:15.239 Proud to be doing it for nearly fifty years forty 2015 01:46:15.239 --> 01:46:19.119 five in Denver and actually fifty years or more outside 2016 01:46:19.159 --> 01:46:22.479 of Denver. But we're here and that's what counts. To 2017 01:46:22.560 --> 01:46:25.920 solve problems, answer questions, and take complaints. So Rod is 2018 01:46:25.960 --> 01:46:28.319 next on the agenda. Here, I have all my deputies 2019 01:46:28.319 --> 01:46:31.560 standing by to help people ask. Where deputies come from, Well, 2020 01:46:31.640 --> 01:46:35.840 usually they're on daily from prison, but we let them 2021 01:46:35.880 --> 01:46:38.840 work with us, just kidding, of course. They're good people, 2022 01:46:38.880 --> 01:46:43.600 retired executives, people in business, doctors, lawyers, accountants. 2023 01:46:43.640 --> 01:46:46.000 We don't hold that against them. Rod. What's going on 2024 01:46:46.079 --> 01:46:47.039 with you? You have a question? 2025 01:46:48.039 --> 01:46:50.199 Yeah, I do. Thank you for taking my call. First 2026 01:46:50.199 --> 01:46:54.119 of all. I heard you talking earlier about ten minutes 2027 01:46:54.119 --> 01:46:56.119 ago about finanswers and what to do with money in 2028 01:46:56.159 --> 01:46:59.600 the stock market. I have a little over seven hundred 2029 01:46:59.600 --> 01:47:03.880 and fifty thousand in cash, if you will, and you 2030 01:47:03.920 --> 01:47:06.079 were talking about, you know, getting back into the market, 2031 01:47:06.239 --> 01:47:08.479 makes sure you pick the right stocks. But is it? 2032 01:47:08.760 --> 01:47:08.880 So? 2033 01:47:09.199 --> 01:47:11.920 Where is it right now? Rod? Where is it right now? 2034 01:47:12.920 --> 01:47:15.960 I've got it split between two locations. One is a 2035 01:47:16.000 --> 01:47:19.920 bank and the other is a savings alone. 2036 01:47:21.840 --> 01:47:26.000 Are you getting any interest or returned at all? 2037 01:47:26.159 --> 01:47:28.079 A little bit? Not nearly what I should be getting, 2038 01:47:28.079 --> 01:47:30.479 And that's why I need to do something with it. 2039 01:47:30.880 --> 01:47:32.079 And I'm really okay. 2040 01:47:32.720 --> 01:47:36.800 Is our individual stock the right move or would you 2041 01:47:36.840 --> 01:47:39.439 say no? We could talk in depth funds and things 2042 01:47:39.479 --> 01:47:39.720 like that. 2043 01:47:41.439 --> 01:47:44.439 Well, I'm going to tell you in general, sure, Rod, 2044 01:47:44.680 --> 01:47:48.800 No matter what, no matter what you want return And 2045 01:47:49.039 --> 01:47:52.079 depending on your time horizon, you want a little bit 2046 01:47:52.079 --> 01:47:53.920 of risk or a little more risk, never a lot 2047 01:47:53.960 --> 01:47:54.319 of risk. 2048 01:47:54.560 --> 01:47:55.800 What age? How old are you? 2049 01:47:57.399 --> 01:48:02.199 Sixty two? But I'm not really risk adverse. I'm not 2050 01:48:02.279 --> 01:48:04.439 stupid either, but I'm also no. 2051 01:48:04.439 --> 01:48:06.760 No, I understand uptight. Okay. 2052 01:48:06.920 --> 01:48:10.319 Now, Now here's what's really important, Rod, really important? 2053 01:48:10.720 --> 01:48:16.960 Do you have an emergency fund. Oh yeah, okay, so 2054 01:48:17.079 --> 01:48:22.239 that's seven point fifty is extra above your emergency fund, right, yeah, 2055 01:48:22.319 --> 01:48:23.039 we did. 2056 01:48:23.119 --> 01:48:25.319 This is money. I hate to say it like this 2057 01:48:25.520 --> 01:48:29.000 because it sounds arrogant, but it's play nine. If God 2058 01:48:29.039 --> 01:48:30.000 we can kind of play with it. 2059 01:48:30.159 --> 01:48:32.760 No, No, Rod, I Rod, I get you. I get 2060 01:48:32.760 --> 01:48:35.359 what you're saying. I always advise people when they come 2061 01:48:35.359 --> 01:48:37.520 to Waveight Wealth Management, the very first thing we do 2062 01:48:37.560 --> 01:48:40.479 is to make sure they have an emergency fund, a 2063 01:48:40.560 --> 01:48:44.560 contingency fund for unforeseen events. The second thing we tell 2064 01:48:44.600 --> 01:48:47.319 them to do is to pay down high interest debt 2065 01:48:47.600 --> 01:48:50.319 because obviously I knew a girl one time who had 2066 01:48:50.319 --> 01:48:53.279 one hundred thousand invested in the market, and she had 2067 01:48:53.279 --> 01:48:56.800 one hundred thousand in high interest debt and she was 2068 01:48:56.840 --> 01:48:59.720 so I said, do you understand when you're paying eighteen 2069 01:48:59.760 --> 01:49:02.680 percent in debt and you're making eight or nine percent 2070 01:49:02.720 --> 01:49:05.359 in the market, you are net negative every month. I mean, 2071 01:49:05.399 --> 01:49:08.039 you're not making money. So you do away with high 2072 01:49:08.079 --> 01:49:11.119 interest debt. And I know, Rod, you're probably more sophisticated 2073 01:49:11.119 --> 01:49:13.439 than this, but I mentioned it only because other people 2074 01:49:13.520 --> 01:49:16.479 are listening. So you make sure you have your emergency fund, 2075 01:49:16.479 --> 01:49:18.399 your high interest debt. You have then play money or 2076 01:49:18.439 --> 01:49:20.760 investment money. What you need to do is get some 2077 01:49:20.880 --> 01:49:23.840 kind of return. Bank accounts are stupid, So the very 2078 01:49:23.840 --> 01:49:26.479 first thing I always recommend for people who are risk 2079 01:49:26.520 --> 01:49:28.680 adverse is a T bill account. 2080 01:49:28.720 --> 01:49:30.880 You'll never go wrong with Treasury bills never. 2081 01:49:31.079 --> 01:49:33.640 The only risk you get is the risk of losing 2082 01:49:33.720 --> 01:49:37.399 upside potential. So I would definitely secure some kind of 2083 01:49:37.800 --> 01:49:41.560 income fund like that, or even a Schwab account that 2084 01:49:41.640 --> 01:49:43.840 pays about five or six percent a year, just to 2085 01:49:43.840 --> 01:49:46.239 sit there. Once you do that, then you take a 2086 01:49:46.239 --> 01:49:49.319 look at investing. Now, I'm not going to tell you 2087 01:49:49.640 --> 01:49:52.439 not to invest individual stocks. I'm going to use Mark 2088 01:49:52.560 --> 01:49:55.800 Major as an example. He's a good and bad example. 2089 01:49:56.039 --> 01:49:58.960 What I mean by that is not many people can 2090 01:49:59.000 --> 01:50:00.840 do what he does. I'm going to give you him 2091 01:50:00.880 --> 01:50:04.159 as an example. If Mark Major comes to us for 2092 01:50:04.239 --> 01:50:07.680 wealth to Wave eight Wealth Management, and he tells us 2093 01:50:07.680 --> 01:50:09.319 what he's been doing, and we look at what he's 2094 01:50:09.359 --> 01:50:12.319 been doing, we probably wouldn't be able to help him. 2095 01:50:12.640 --> 01:50:17.319 The reason is he babysits his accounts like a babysitter, 2096 01:50:17.560 --> 01:50:20.479 and he invests in stocks, and he buys and sells. 2097 01:50:20.680 --> 01:50:23.840 He has different hold times in other words, he is 2098 01:50:24.319 --> 01:50:28.319 his investment advisor. He does a lot of research. Sometimes 2099 01:50:28.319 --> 01:50:32.119 he does some knee jerk reactions. Sometimes they work, sometimes 2100 01:50:32.119 --> 01:50:35.119 they don't. But that's the way he is. Those kinds 2101 01:50:35.119 --> 01:50:38.079 of people who like doing that we don't compete with. 2102 01:50:38.199 --> 01:50:40.840 We don't try to the next kind of person we 2103 01:50:40.880 --> 01:50:43.680 don't help are people who have a business and they're 2104 01:50:43.680 --> 01:50:46.920 building that business to be taken over by private equity. 2105 01:50:47.199 --> 01:50:49.800 Every penny they have goes into that business. It might 2106 01:50:49.840 --> 01:50:53.720 be home improvement, it might be hvac, it might be plumbing, 2107 01:50:53.880 --> 01:50:54.760 it might be something. 2108 01:50:54.920 --> 01:50:57.560 But what they do is they build up that company 2109 01:50:57.600 --> 01:50:58.199 and sell it. 2110 01:50:58.600 --> 01:51:01.039 And how can I tell them don't put your money 2111 01:51:01.079 --> 01:51:03.479 in that when they end up selling for twenty million 2112 01:51:03.560 --> 01:51:07.479 or thirty million. Obviously, those kinds of people we can't help. 2113 01:51:07.840 --> 01:51:10.960 Unless they have children, they want to set up accounts 2114 01:51:10.960 --> 01:51:13.319 for stuff like that, we can help them. 2115 01:51:13.760 --> 01:51:16.760 Okay, So then there are people like you and me. 2116 01:51:17.600 --> 01:51:21.239 We have money, but we wonder what to do and 2117 01:51:21.359 --> 01:51:25.039 for that rod you need an investment advisor. Now do 2118 01:51:25.119 --> 01:51:27.000 I have a personal interest in saying that while I 2119 01:51:27.079 --> 01:51:29.760 own Wave Wealth Management. Let me explain something to you. 2120 01:51:30.479 --> 01:51:34.359 There's no before it was Wave Wealth Management. It was 2121 01:51:34.399 --> 01:51:37.199 Wave Wealth Management, and I was the only client. I 2122 01:51:37.319 --> 01:51:40.920 formed the company specifically to do research and to help 2123 01:51:40.960 --> 01:51:43.239 me know where to invest and when to invest. And 2124 01:51:43.439 --> 01:51:46.680 I personally didn't want to babysit it. So I formed 2125 01:51:46.760 --> 01:51:49.920 this with people for me. I literally formed it for me. 2126 01:51:50.199 --> 01:51:52.880 And in the beginning, because it was just me, the 2127 01:51:52.920 --> 01:51:55.319 way I did it was paid them a performance fee 2128 01:51:55.600 --> 01:51:56.840 for everything they made me. 2129 01:51:56.840 --> 01:51:59.479 They got a portion of it. Literally they got fifty 2130 01:51:59.520 --> 01:52:00.119 percent of it. 2131 01:52:00.680 --> 01:52:04.680 Then, when it was very successful, about eight years later, 2132 01:52:05.000 --> 01:52:08.439 I went public with it and became a registered advisory 2133 01:52:08.800 --> 01:52:12.840 firm with a securities division, so we are a real firm. 2134 01:52:12.920 --> 01:52:14.840 And then I took on other clients like me. 2135 01:52:15.399 --> 01:52:17.680 So when you asked do we have an individual stock, 2136 01:52:18.000 --> 01:52:19.680 do we have an individual of this or do we 2137 01:52:19.720 --> 01:52:20.359 have accounts? 2138 01:52:20.439 --> 01:52:21.720 It depends on the investor. 2139 01:52:22.159 --> 01:52:26.760 With some investors, they have stocks, they have bonds with 2140 01:52:27.000 --> 01:52:30.880 tax free income, and they have ETFs exchange traded funds, 2141 01:52:31.119 --> 01:52:34.439 which are funds that track certain indexes. 2142 01:52:34.920 --> 01:52:37.720 For others, we have just ETFs. For others we have 2143 01:52:37.920 --> 01:52:38.479 just bond. 2144 01:52:38.720 --> 01:52:41.840 They're only getting income and they're getting a little growth, 2145 01:52:41.840 --> 01:52:44.439 but the main thing they want is income. So truly, 2146 01:52:45.079 --> 01:52:50.600 broad truly, we customize every single client what ninety eight 2147 01:52:50.680 --> 01:52:54.359 percent of all advisors do. Ninety eight If you give 2148 01:52:54.439 --> 01:52:56.359 that not money, they're going to shake your hand round. 2149 01:52:56.560 --> 01:52:59.399 They're going to say, Okay, what's this, what's this? What's this? 2150 01:52:59.479 --> 01:53:02.359 They ask you a bunch of questions, and I promise 2151 01:53:02.399 --> 01:53:04.720 you they take that money and place it with a 2152 01:53:04.800 --> 01:53:08.479 giant investment firm and they never look at it again. 2153 01:53:08.840 --> 01:53:11.840 They don't know anything about you or your account, but 2154 01:53:12.039 --> 01:53:15.159 they make a spread for doing that. They are basically 2155 01:53:15.920 --> 01:53:19.800 just middlemen and the big guys. When you call and 2156 01:53:19.800 --> 01:53:23.159 say to your middleman, hey, I noticed my stock is 2157 01:53:23.199 --> 01:53:26.560 down or my account is down three percent this month. 2158 01:53:26.720 --> 01:53:30.840 But the whole stock market's up. Why is that happening? 2159 01:53:31.399 --> 01:53:32.439 No one can tell you. 2160 01:53:32.720 --> 01:53:35.000 They go to the giant firm and they say, to 2161 01:53:35.079 --> 01:53:37.840 the giant firm, can you tell me about Rod's money? 2162 01:53:37.960 --> 01:53:39.960 And they say, what do you mean Rod's money? Because 2163 01:53:40.079 --> 01:53:42.720 Rod's money is in a giant pool of other rods. 2164 01:53:43.079 --> 01:53:45.560 So that's what you get ninety percent of the time 2165 01:53:45.600 --> 01:53:48.840 when you go to a financial advisor. Other times you 2166 01:53:48.880 --> 01:53:52.119 go to what I call pill pushers. They push insurance, 2167 01:53:52.359 --> 01:53:56.359 they push annuities, they push certain funds because that's where 2168 01:53:56.359 --> 01:53:57.319 they're making their money. 2169 01:53:57.600 --> 01:54:00.399 Is it best for Rod? It might be. 2170 01:54:00.800 --> 01:54:02.960 I mean I have seen too many of these products 2171 01:54:02.960 --> 01:54:06.600 pushed because people are working for companies and they're being 2172 01:54:06.640 --> 01:54:09.199 told to push things. So when you ask me what 2173 01:54:09.399 --> 01:54:12.399 I do individual stocks or stock funds, the question would be, 2174 01:54:12.680 --> 01:54:15.039 after about a half hour meeting with you, we'd be 2175 01:54:15.039 --> 01:54:17.600 able to tell you what you think what you should do. 2176 01:54:17.840 --> 01:54:20.640 And that's the real truth of it. There's no sexy answer. 2177 01:54:20.960 --> 01:54:23.960 There's no answer that says, yeah, we'll take care of 2178 01:54:24.000 --> 01:54:25.199 you and you're gonna make. 2179 01:54:25.199 --> 01:54:25.920 Lots of money. 2180 01:54:26.079 --> 01:54:28.119 You know, Sometimes you make lots of money, sometimes you 2181 01:54:28.199 --> 01:54:31.880 make a moderate amount. What you shouldn't do is lose indiscriminately. 2182 01:54:32.279 --> 01:54:35.239 You lose when the market's down and there's nothing you 2183 01:54:35.239 --> 01:54:38.399 can do about it with volatility, but you still position 2184 01:54:38.520 --> 01:54:44.239 yourself defensively so you can at least preserve most capital. Now, again, 2185 01:54:45.119 --> 01:54:48.000 different strokes for different folks, And anyone who has a 2186 01:54:48.039 --> 01:54:51.600 pad answer is never ever ever being honest with you. 2187 01:54:51.640 --> 01:54:55.079 Never never, And that includes no matter who it is. 2188 01:54:55.399 --> 01:54:59.079 If they're selling one thing, avoid the one thing. If 2189 01:54:59.079 --> 01:55:00.199 they're only selling. 2190 01:55:00.079 --> 01:55:03.520 One thing, done it, okay? 2191 01:55:03.640 --> 01:55:04.520 Anything else run? 2192 01:55:05.159 --> 01:55:06.840 I mean, I didn't mean to preach to you, but 2193 01:55:06.840 --> 01:55:10.359 but I'm so tired. I'm really tired of the industry. 2194 01:55:10.560 --> 01:55:13.159 No, no, that's fine. You know I called, I asked 2195 01:55:13.159 --> 01:55:15.079 the question and you gave me an answer. That's great. 2196 01:55:15.560 --> 01:55:17.800 I The only thing I would ask is can you 2197 01:55:17.960 --> 01:55:21.399 spell the name of the company because my hearing kind of. 2198 01:55:21.399 --> 01:55:28.119 Blows wave as in ocean waves. Wave eight the number eight. 2199 01:55:28.720 --> 01:55:30.319 So if you just if you just go to the 2200 01:55:30.359 --> 01:55:34.840 website Wave eight Capital dot com the number eight, you'll 2201 01:55:34.840 --> 01:55:37.239 get to us. You can also call me or you 2202 01:55:37.319 --> 01:55:39.319 call us and leave a message at three oh three 2203 01:55:39.439 --> 01:55:43.319 seven seven one help, So it's easy, seven seven one help. 2204 01:55:43.960 --> 01:55:46.119 That's great. You're right. I got to do something with 2205 01:55:46.159 --> 01:55:48.279 the money, because you're right. Be when I make you 2206 01:55:48.319 --> 01:55:48.960 know off of it? Is it? 2207 01:55:49.079 --> 01:55:51.159 Yeah? And get hearing aids. One thing you want to do. 2208 01:55:51.239 --> 01:55:52.279 Get hearing aids. Rod. 2209 01:55:54.039 --> 01:55:55.399 I hate to say this, but I have them, but 2210 01:55:55.479 --> 01:55:56.640 I really don't like wearing them. 2211 01:55:57.079 --> 01:55:58.760 And my wife, you know what, I have them too, 2212 01:55:58.800 --> 01:56:00.960 and I don't like. I think you have the same 2213 01:56:01.000 --> 01:56:02.560 problem I have. Rod. 2214 01:56:02.640 --> 01:56:05.640 It's probably not the actual hearing, but don't you have 2215 01:56:05.760 --> 01:56:08.600 words that get jumbled when. 2216 01:56:08.399 --> 01:56:11.600 I'm in a crowd of people. They just don't yep. 2217 01:56:11.760 --> 01:56:14.159 If I'm not in the crowd of people, I'm better off. 2218 01:56:15.399 --> 01:56:16.840 But they have way better that. 2219 01:56:16.880 --> 01:56:20.479 They have some really good technology now, really good technology. 2220 01:56:20.880 --> 01:56:23.520 But I don't wear mine either, and I don't know 2221 01:56:23.520 --> 01:56:26.079 why they're they're pain in the ass, But I will 2222 01:56:26.119 --> 01:56:29.119 tell you this. They make some now I hear that 2223 01:56:29.159 --> 01:56:32.319 can distinguish words, and I think that's what I need 2224 01:56:32.359 --> 01:56:35.560 more than anything. Is not so much the hearing of sound, 2225 01:56:35.960 --> 01:56:39.920 but the distinguishing of the different sounds. When people start talking, 2226 01:56:40.000 --> 01:56:43.399 it's almost like they're mumbling. And then there are some 2227 01:56:43.479 --> 01:56:48.960 that specifically cancel out the background noise, you know, kind 2228 01:56:48.960 --> 01:56:52.920 of like headsets doing airplanes and helicopters. They're called noise 2229 01:56:52.960 --> 01:56:55.600 canceling and they can cancel out the noise you don't 2230 01:56:55.600 --> 01:56:57.760 want to hear, and you can hear only the stuff 2231 01:56:57.800 --> 01:57:00.680 you want to hear. It's really remarkable stuff. And I 2232 01:57:01.039 --> 01:57:03.439 think on the outside, for the best you can buy, 2233 01:57:03.720 --> 01:57:06.239 you're looking at maybe six grand for the pair, and 2234 01:57:06.319 --> 01:57:08.159 sometimes you get him down to four grand. 2235 01:57:09.079 --> 01:57:12.640 So I got mine at four thousand. And what I 2236 01:57:12.720 --> 01:57:15.279 can do with the pair that I have is you 2237 01:57:15.279 --> 01:57:18.520 can upgrade the software to do exactly what you're talking about. 2238 01:57:19.439 --> 01:57:22.079 So I have middle software, so to speak, but you 2239 01:57:22.119 --> 01:57:25.000 could go like a couple more higher that, you know, 2240 01:57:25.039 --> 01:57:26.840 you can do all sorts of fancy things with. I 2241 01:57:26.880 --> 01:57:28.159 just haven't got to that point yet. 2242 01:57:29.279 --> 01:57:30.920 So what is your what is the brand of the 2243 01:57:30.920 --> 01:57:31.439 ones you have. 2244 01:57:34.840 --> 01:57:41.880 There? You go, I take it they're good, they're you 2245 01:57:41.920 --> 01:57:46.319 know something, okay either way? Either way, I can upgrade 2246 01:57:46.359 --> 01:57:48.800 the software that takes some of the cant more of 2247 01:57:48.800 --> 01:57:50.840 the noise out of the background and does this and 2248 01:57:50.920 --> 01:57:53.119 does that. Yeah, yeah, I just you know what, I 2249 01:57:53.199 --> 01:57:56.319 haven't gotten tired of saying that again, I can't hear you. 2250 01:57:57.159 --> 01:57:58.640 Yeah, I know it, I know it, I know it. 2251 01:57:58.720 --> 01:57:59.720 My wife gets tired of it. 2252 01:57:59.840 --> 01:58:02.880 So but listen, man, Rod, listen to this. Give us 2253 01:58:02.880 --> 01:58:06.159 a call seriously or text me and we'd be happy 2254 01:58:06.159 --> 01:58:09.880 to talk to you. And you know you can text 2255 01:58:09.920 --> 01:58:13.640 me on this private line right here. Seven four seven 2256 01:58:14.399 --> 01:58:20.000 nine nine fifty two eighty. That's seven four seven nine 2257 01:58:20.119 --> 01:58:22.840 nine nine Okay, cool, Yeah. 2258 01:58:22.960 --> 01:58:26.079 We'll see you, bro. Take it easy. We got all right, man. 2259 01:58:26.119 --> 01:58:28.039 We got more coming up on the Troubleshooter Show. 2260 01:58:33.319 --> 01:58:36.600 Go with a sure thing Denver's best roofer Excel Roofing 2261 01:58:36.680 --> 01:58:37.279 dot Com. 2262 01:58:37.319 --> 01:58:39.319 You don't pay a cent until you're content. 2263 01:58:40.920 --> 01:58:45.159 Please time for an insurance check up free no obligation 2264 01:58:45.319 --> 01:58:49.159 comparison call Compass Insurance Paying too much your coverage at 2265 01:58:49.199 --> 01:58:51.920 dozens of insurance companies find out now three oh three 2266 01:58:52.119 --> 01:58:54.680 seven seven to one help. You'll think you're his only 2267 01:58:54.800 --> 01:58:57.239 customer when you choose Frank durand the real estate man 2268 01:58:57.319 --> 01:59:00.760 dot com to list your home with remax Align three 2269 01:59:00.760 --> 01:59:09.119 all three nine two zero sixteen twenty two. Hey Tom 2270 01:59:09.119 --> 01:59:13.079 Martino here three all three seven one three talk seven 2271 01:59:13.119 --> 01:59:14.640 one three eight two five five. 2272 01:59:16.279 --> 01:59:19.560 So key bills right. 2273 01:59:19.399 --> 01:59:24.279 Now, it's interesting to talk about very safe T bills. 2274 01:59:25.079 --> 01:59:27.560 The four week is four point three two percent. So 2275 01:59:27.640 --> 01:59:29.319 once you get in on the auction and you buy 2276 01:59:29.319 --> 01:59:33.399 the t bills, they say in your account for four 2277 01:59:33.399 --> 01:59:36.640 weeks and guarantee four point three two. Once you buy 2278 01:59:36.680 --> 01:59:39.000 it at four point three two, if you buy a higher, 2279 01:59:39.079 --> 01:59:41.000 stays higher, if you buy a lower, stays the lower, 2280 01:59:41.039 --> 01:59:43.079 and it stays for the period of time you buy it. 2281 01:59:43.640 --> 01:59:46.079 An eight week pays a little more four point three 2282 01:59:46.479 --> 01:59:50.840 four thirteen week is four point one nine. Now that's 2283 01:59:50.840 --> 01:59:53.880 what I find very odd. I just don't even understand this. 2284 01:59:54.279 --> 01:59:58.760 That's so when you're talking about a thirteen week a 2285 01:59:58.880 --> 02:00:01.600 thirteen week T bill three months as opposed to an 2286 02:00:01.600 --> 02:00:05.680 eight week, and the longer one pays less. They're telling 2287 02:00:05.760 --> 02:00:10.079 you that they believe that rates are going to. 2288 02:00:10.079 --> 02:00:12.720 Be going down. That's what they're telling you. 2289 02:00:12.760 --> 02:00:17.279 Listen to this, a twenty six week T bill that 2290 02:00:17.439 --> 02:00:21.000 six months only pays four percent. You actually make more 2291 02:00:21.119 --> 02:00:24.439 money with short term than long term whenever you have 2292 02:00:24.479 --> 02:00:29.680 an inverse curve like that. They are saying that rates 2293 02:00:29.960 --> 02:00:34.039 are going down, that's what they're saying, and they can't compete. 2294 02:00:34.520 --> 02:00:37.760 So for fifty two weeks, they're only going to pay 2295 02:00:37.800 --> 02:00:40.960 you four point two. Now, why would anyone go into 2296 02:00:40.960 --> 02:00:44.119 a fifty two week T bill at four point two 2297 02:00:44.479 --> 02:00:47.319 when they can just revolve the four week at four 2298 02:00:47.319 --> 02:00:50.600 point three. Still, you keep revolving them and it automatically 2299 02:00:50.640 --> 02:00:53.000 buys back. It's really a good tool. And I put 2300 02:00:53.000 --> 02:00:55.560 some of my money in that. So that's the most 2301 02:00:55.600 --> 02:01:02.079 recent auction data on that. Now another question we have gotten. 2302 02:01:02.199 --> 02:01:05.600 Let me get to this, because I really was fascinated. 2303 02:01:05.640 --> 02:01:08.840 Everyone is. Everyone is blaming. 2304 02:01:09.880 --> 02:01:12.520 Donald Trump for the egg prices, and they were on 2305 02:01:12.560 --> 02:01:15.119 their way up way before he got into office. It's 2306 02:01:15.159 --> 02:01:17.920 not it By the way, it's not Biden's fault either. 2307 02:01:18.640 --> 02:01:23.039 The avian flu, the bird flu, really has taken a 2308 02:01:23.079 --> 02:01:27.720 toll on the bird population, so there are fewer hens, 2309 02:01:27.760 --> 02:01:33.960 fewer eggs, and higher prices. The virus is unpredictable. Unpredictable, Okay, 2310 02:01:34.239 --> 02:01:36.399 So you have the anxiety in the market as well, 2311 02:01:36.439 --> 02:01:41.000 which which affects the commodities, which affects the end price. 2312 02:01:41.960 --> 02:01:46.000 Then you have the feed costs has gone up dramatically 2313 02:01:47.039 --> 02:01:49.840 because partly because of climate issues. 2314 02:01:49.880 --> 02:01:51.680 Now I'm not talking about climate change. 2315 02:01:51.960 --> 02:01:54.920 I'm talking about the fact that we've had some droughts 2316 02:01:54.960 --> 02:01:59.600 and stuff and some issues growing corn. There has been 2317 02:01:59.640 --> 02:02:04.720 a glowbal demand for corn, especially from China. Our prices 2318 02:02:04.800 --> 02:02:06.760 right now are at an all time high for feed 2319 02:02:07.119 --> 02:02:08.800 fuel and fertilizer. 2320 02:02:09.840 --> 02:02:12.399 Fuel. That's just in and of itself. 2321 02:02:12.439 --> 02:02:18.640 Diesel prices are up, so transporting eggs and transporting chickens higher. 2322 02:02:20.159 --> 02:02:23.600 Now there is a reduced flock size, partly because of 2323 02:02:23.640 --> 02:02:27.479 that virus I talked about, but also because of this 2324 02:02:27.560 --> 02:02:29.399 demand of cage free. 2325 02:02:29.840 --> 02:02:30.960 A lot of people. 2326 02:02:32.199 --> 02:02:35.840 Are driving prices up because they're demanding cage free and 2327 02:02:35.880 --> 02:02:39.279 they just can't do as many chickens cage free as 2328 02:02:39.319 --> 02:02:44.079 they can in cages. So the humane movement, while I'm 2329 02:02:44.119 --> 02:02:46.680 all for it, it does raise prices. 2330 02:02:46.720 --> 02:02:49.119 I'm willing to pay that, you know, But if you. 2331 02:02:49.079 --> 02:02:51.920 Want to know, that's part of it too. Another one 2332 02:02:52.399 --> 02:02:57.319 is the perceptionomics of it all. As these supplies get 2333 02:02:57.359 --> 02:03:01.279 lower and prices get higher, it actually raised demand under 2334 02:03:01.279 --> 02:03:05.079 the perception we better buy now. Now you can't stock 2335 02:03:05.159 --> 02:03:07.239 up eggs like you need toilet paper, but you can 2336 02:03:07.319 --> 02:03:07.720 a little. 2337 02:03:08.239 --> 02:03:10.640 And people have been buying. 2338 02:03:10.399 --> 02:03:13.039 Up eggs as soon as they find them, and that 2339 02:03:13.119 --> 02:03:17.199 means demand is staying very steady or even increasing slightly. 2340 02:03:18.119 --> 02:03:23.960 Then you have normal inflationary pressures, so that means the packaging, labor, 2341 02:03:24.039 --> 02:03:28.479 the energy, all of that stuff is going toward with 2342 02:03:28.560 --> 02:03:31.800 the egg producers the cost of doing business. Then you have, 2343 02:03:31.920 --> 02:03:34.840 of course the normal retail markups. I mean, people are 2344 02:03:34.840 --> 02:03:39.960 going to sell money, so you have you have all 2345 02:03:40.039 --> 02:03:41.880 of those factors going into it. 2346 02:03:41.880 --> 02:03:43.079 It's a perfect storm. 2347 02:03:44.520 --> 02:03:51.600 Now regulations are going more toward humane farming practice in fact, 2348 02:03:52.119 --> 02:03:53.600 and I don't think that's a bad thing. I'm not 2349 02:03:53.600 --> 02:03:56.239 saying it as a good or bad thing. That means 2350 02:03:56.279 --> 02:03:58.560 you're going to see production costs go up even higher 2351 02:04:00.119 --> 02:04:03.640 because infrastructure is going to be changed completely. So in 2352 02:04:04.079 --> 02:04:07.119 summer you have the flu, you have the society of 2353 02:04:08.439 --> 02:04:13.199 consumer demand and slow recovery in there in the UH. 2354 02:04:13.760 --> 02:04:14.720 In the food chain. 2355 02:04:14.560 --> 02:04:17.039 As well, it takes a long time to get your 2356 02:04:17.039 --> 02:04:21.239 flock rehabilitated when you had a b on flu. Man, 2357 02:04:21.439 --> 02:04:25.039 that's pretty complicated, Isn't it all because of eggs? 2358 02:04:26.560 --> 02:04:30.680 It's just uh, it's just such a commodity that people love. 2359 02:04:31.039 --> 02:04:33.680 And by the way, contrary to what people used to 2360 02:04:33.680 --> 02:04:35.840 say about eggs being unhealthy, they're not. You can eat 2361 02:04:35.880 --> 02:04:37.279 all the eggs in the world. It's not going to 2362 02:04:37.359 --> 02:04:40.520 raise your cholesterol. You don't eat cholesterol that does. That's 2363 02:04:40.560 --> 02:04:44.399 not what causes cholesterol. In fact, eggs are probably the 2364 02:04:44.399 --> 02:04:47.319 most perfect food because it is in and of itself 2365 02:04:47.359 --> 02:04:50.239 a cell. You have the yolk in the sack, and 2366 02:04:50.279 --> 02:04:55.399 you have the nutrition within itself, the fat it probably 2367 02:04:55.439 --> 02:05:01.039 exists with the protein. The protein, fat and UH content. 2368 02:05:01.600 --> 02:05:05.000 You have a perfect blend, and eggs are almost perfect food. 2369 02:05:05.479 --> 02:05:08.760 Kate, what's going on with you? Kate? Welcome to the show. 2370 02:05:08.920 --> 02:05:11.760 Hi Tom. I'd like to make just a quick comment 2371 02:05:11.800 --> 02:05:15.439 before I ask my question in terms of all the 2372 02:05:15.960 --> 02:05:20.439 layoffs and the firing. No one has mentioned that. I've 2373 02:05:20.479 --> 02:05:24.720 heard about the cost of unemployment, which is going to 2374 02:05:24.760 --> 02:05:31.000 be pushed off into the States. When your employee's become unemployed, 2375 02:05:31.079 --> 02:05:35.239 they're eligible for unemployment insurance for up to a year 2376 02:05:35.359 --> 02:05:38.800 eighteen months, and so that is really going to be 2377 02:05:39.079 --> 02:05:43.239 I think, an expensive offset to all the layoffs and 2378 02:05:43.720 --> 02:05:44.520 what they're supposed to you. 2379 02:05:44.600 --> 02:05:47.399 You know, you know, I never even thought of that, Kate. 2380 02:05:47.600 --> 02:05:50.479 I really haven't. But you're absolutely right. Not only do 2381 02:05:50.560 --> 02:05:53.720 you have the sting of being unemployed, but now you 2382 02:05:53.800 --> 02:05:56.239 have the states picking up that burden because it is 2383 02:05:56.279 --> 02:05:57.600 a state program. 2384 02:05:58.039 --> 02:06:01.159 That's right, That's right, Yeah, you're right out there now. 2385 02:06:01.239 --> 02:06:05.880 Now. I don't anticipate I don't anticipate the unemployment of 2386 02:06:05.920 --> 02:06:08.680 the federal workers having that much. 2387 02:06:09.960 --> 02:06:10.479 Impact. 2388 02:06:10.680 --> 02:06:14.119 I mean, I feel sorry for them, and maybe you 2389 02:06:14.159 --> 02:06:17.920 know it's too bad, but I don't see them alone 2390 02:06:18.840 --> 02:06:20.000 putting too much pressure. 2391 02:06:20.039 --> 02:06:21.199 There's not that many of them. 2392 02:06:22.319 --> 02:06:26.279 Well, I mean, there's fourteen thousand employees not laid off 2393 02:06:26.319 --> 02:06:29.520 ones right at the Federal Center. Not to mention all 2394 02:06:29.600 --> 02:06:33.039 of the buildings that they want to close, and who's 2395 02:06:33.079 --> 02:06:35.840 going to release those buildings? Who wants to be in 2396 02:06:35.880 --> 02:06:40.119 those old buildings. I mean, you know, so that's just 2397 02:06:40.159 --> 02:06:40.600 a comment. 2398 02:06:40.640 --> 02:06:41.159 But you're right. 2399 02:06:41.239 --> 02:06:43.199 Let me ask the rooping question, right, And I'm asking. 2400 02:06:43.600 --> 02:06:46.079 I've waited to ask this because I really want your 2401 02:06:46.159 --> 02:06:51.960 true opinion, not a sales roofing issue. I have seen 2402 02:06:52.119 --> 02:06:55.880 in my neighborhood. We are all of our homes are 2403 02:06:56.039 --> 02:07:00.760 approaching ten years old. Okay, a lot of people are 2404 02:07:00.800 --> 02:07:04.720 putting on one layer of shingles. What I would like 2405 02:07:04.760 --> 02:07:09.399 to know is does that extend the life of your 2406 02:07:09.520 --> 02:07:12.399 current roof without having to go out and get a 2407 02:07:12.439 --> 02:07:15.439 whole new roof or build insurance for it. You just 2408 02:07:15.520 --> 02:07:18.239 put on one new layer. What do you think? 2409 02:07:18.640 --> 02:07:21.439 So you're I want to make sure I'm hearing you right. 2410 02:07:22.079 --> 02:07:26.239 So people approaching ten years are putting a layer over 2411 02:07:26.319 --> 02:07:27.760 their old layer? 2412 02:07:28.199 --> 02:07:32.760 Yes, yes, and I'm assuming that they don't have existing 2413 02:07:32.840 --> 02:07:35.319 damage or anything that you would be covering up. But 2414 02:07:35.760 --> 02:07:38.840 will a new layer of asphalt on top of your 2415 02:07:39.039 --> 02:07:42.680 current roof give you five ten more years? 2416 02:07:43.560 --> 02:07:43.840 Okay? 2417 02:07:43.880 --> 02:07:45.880 I'm going to say first, I want to ask a question. 2418 02:07:46.159 --> 02:07:50.720 Are they doing this as a result of storm damage? 2419 02:07:52.159 --> 02:07:53.239 We really have not. 2420 02:07:53.560 --> 02:07:56.359 We live in Windsor Fort Collins. 2421 02:07:57.319 --> 02:07:58.800 Why after ten years though? 2422 02:07:58.880 --> 02:08:02.279 Here's what I'm asking why after ten years would they 2423 02:08:02.319 --> 02:08:04.600 be doing anything, is what I'm asking. 2424 02:08:04.640 --> 02:08:05.760 Why are they doing. 2425 02:08:05.520 --> 02:08:08.319 That because your roof's not even close to being old 2426 02:08:08.319 --> 02:08:10.359 at ten years, right? 2427 02:08:10.680 --> 02:08:13.560 I think it's just to avoid the insurance hits. 2428 02:08:13.840 --> 02:08:17.079 Go with a sure thing Denver's Best roofer Excel Roofing 2429 02:08:17.199 --> 02:08:17.760 dot com. 2430 02:08:17.800 --> 02:08:19.840 You don't pay a cent until you're content. 2431 02:08:23.199 --> 02:08:26.760 Time for an insurance checkup free, no obligation comparison call 2432 02:08:26.880 --> 02:08:30.159 Compass Insurance paying too much your coverage at dozens of 2433 02:08:30.199 --> 02:08:32.880 insurance companies find out now three oh three seven to 2434 02:08:32.920 --> 02:08:35.720 seven to one help. You'll think you're his only customer 2435 02:08:35.760 --> 02:08:38.039 when you choose Frank Durand the real estate Man dot 2436 02:08:38.039 --> 02:08:41.399 com to list your home with Remax Alliance three oh 2437 02:08:41.399 --> 02:08:54.600 three nine two zero sixteen twenty two. Hi Tom Martino 2438 02:08:54.640 --> 02:08:56.720 here three oh three seven one three talk seven three 2439 02:08:56.760 --> 02:08:58.720 two five five. Mark Major called in with a comment, 2440 02:08:58.760 --> 02:09:01.359 go ahead, Mark, Hey, I just. 2441 02:09:01.279 --> 02:09:05.039 Gotta, I gotta, I gotta let everybody know something. There 2442 02:09:05.439 --> 02:09:08.119 is no way I'm going to allow disinformation. What that 2443 02:09:08.239 --> 02:09:12.720 woman said about unemployment couldn't be more wrong. It's a 2444 02:09:12.800 --> 02:09:17.159 lib card talking point, not saying she's intentionally lying. But 2445 02:09:17.279 --> 02:09:22.119 if you are a federal government employee and you get 2446 02:09:22.119 --> 02:09:26.279 fired and you were on any form and I mean this, 2447 02:09:26.560 --> 02:09:29.760 any form of unemployment. Yes, the state pays out, but 2448 02:09:29.920 --> 02:09:34.239 the federal government one hundred percent rein versus the state. 2449 02:09:34.560 --> 02:09:36.880 So don't listen to all the bs out there. 2450 02:09:38.439 --> 02:09:42.199 Okay, Mark, thank you for that. I did not know that. 2451 02:09:42.239 --> 02:09:45.439 I know very little about unemployment. So you're saying that 2452 02:09:45.479 --> 02:09:47.199 it's a federal born cost. 2453 02:09:47.159 --> 02:09:49.439 Not the state and SNBC and everything. 2454 02:09:51.239 --> 02:09:55.279 Okay, thank you, Mark, appreciate it. Kate back to you 2455 02:09:55.319 --> 02:09:58.560 on the roofing. Okay, let's talk about this roofing here. 2456 02:09:58.560 --> 02:10:01.760 Here's the state. Where is savings if the federal government 2457 02:10:02.079 --> 02:10:06.039 has to pay for the laid off workers, where's the 2458 02:10:06.079 --> 02:10:06.840 savings that they. 2459 02:10:06.680 --> 02:10:10.079 Think, Well, because it's eventually going it's eventually going to end. 2460 02:10:10.560 --> 02:10:13.359 Because it's eventually going to end. It's like a severance, 2461 02:10:13.439 --> 02:10:15.760 it's it's you know, and I'm. 2462 02:10:15.479 --> 02:10:16.560 Happy that they have it. 2463 02:10:17.000 --> 02:10:20.279 But that's where that's where the savings comes in after that, 2464 02:10:20.600 --> 02:10:26.319 and unemployment is not one hundred percent of their compensation anyway. 2465 02:10:26.520 --> 02:10:29.359 Right, Okay, so what are your roofing Okay, now, I'm 2466 02:10:29.600 --> 02:10:30.720 very curious now. 2467 02:10:30.520 --> 02:10:33.439 On the roofing. On the roofing. I'm just going to 2468 02:10:33.479 --> 02:10:34.239 say it like it is. 2469 02:10:34.560 --> 02:10:38.399 There is no viable reason to cover up a ten 2470 02:10:38.479 --> 02:10:39.520 year old roof, none. 2471 02:10:39.800 --> 02:10:40.119 Zero. 2472 02:10:40.399 --> 02:10:44.039 It extends no life for anything. It simply it simply 2473 02:10:44.079 --> 02:10:45.600 gives you the life of the new roof. 2474 02:10:45.640 --> 02:10:46.039 Okay. 2475 02:10:46.239 --> 02:10:50.199 Now, one of the reasons people cover up roofing is 2476 02:10:50.239 --> 02:10:53.920 to save money. Meaning if you had a hailstorm, you're 2477 02:10:53.960 --> 02:10:56.640 allowed to cover it up twice. You're allowed to have 2478 02:10:56.680 --> 02:11:00.960 three layers of shingle in most municipalities, however, and it 2479 02:11:01.039 --> 02:11:04.119 does no harm to have them, and then eventually you 2480 02:11:04.159 --> 02:11:07.640 strip it down to nothing and start over. Some municipalities 2481 02:11:07.680 --> 02:11:11.840 don't allow that. Some roofs don't allow it, be structural 2482 02:11:12.119 --> 02:11:14.840 the way they're built. But if your roof can take it, 2483 02:11:15.199 --> 02:11:18.199 then people stack a roof to save on the cost 2484 02:11:18.319 --> 02:11:21.720 of tear of tearing it off to start over. But 2485 02:11:22.000 --> 02:11:25.279 as far as your neighborhood with no storm damage, I 2486 02:11:25.319 --> 02:11:29.000 can think of no reason in the world why people 2487 02:11:29.319 --> 02:11:32.359 are covering up one layer of good roofing. 2488 02:11:32.560 --> 02:11:33.520 I have no idea. 2489 02:11:33.880 --> 02:11:36.159 And it's either some roof or going door to door 2490 02:11:36.239 --> 02:11:39.199 ripping them all, or somebody gave them bump information. 2491 02:11:39.640 --> 02:11:41.600 There's no reason to do it. 2492 02:11:43.399 --> 02:11:46.439 Okay, okay, yeah, I think people are just. 2493 02:11:46.479 --> 02:11:50.399 And by the way, and yeah, well, I mean if 2494 02:11:50.399 --> 02:11:52.520 they first of all, they should need nothing on a 2495 02:11:52.520 --> 02:11:55.720 ten year old roof. There's something terribly wrong if their 2496 02:11:55.760 --> 02:11:58.439 roofs are failing. And if they are failing at just 2497 02:11:58.520 --> 02:12:01.079 ten years old. If you have failing roof, you don't 2498 02:12:01.079 --> 02:12:03.439 cover it up, You take it off and start over. 2499 02:12:03.680 --> 02:12:05.800 The only time you put you the only time you 2500 02:12:05.840 --> 02:12:08.359 cover up a roof is when you have hail damage, 2501 02:12:08.399 --> 02:12:11.239 and it's not failing. Hail damage doesn't always mean a 2502 02:12:11.239 --> 02:12:14.560 failed roof, it doesn't always mean leaking, it doesn't always 2503 02:12:14.600 --> 02:12:17.760 mean problems. And even when you do cover up a 2504 02:12:17.840 --> 02:12:20.880 roof you have to make sure the roof underneath is viable. 2505 02:12:22.239 --> 02:12:25.239 Makes sense, Okay, yeah, it. 2506 02:12:25.239 --> 02:12:29.079 Really does, and I wouldn't waste any money. Thank you, Kate. 2507 02:12:29.159 --> 02:12:31.880 I appreciate you calling really three oh three seven one 2508 02:12:32.000 --> 02:12:35.439 three eight two five five Andrew, what is your what 2509 02:12:35.560 --> 02:12:39.399 is your question on college invest. 2510 02:12:39.840 --> 02:12:42.600 I was just wondering i'd get a five twenty nine 2511 02:12:42.720 --> 02:12:46.960 plan for my children and as well, Yeah, you always 2512 02:12:47.079 --> 02:12:51.199 have to go through like a broker to purchase that, 2513 02:12:51.279 --> 02:12:54.359 because I think they're they're they're making a fee on 2514 02:12:54.399 --> 02:12:56.439 the purchase and then they're making a fee on this. 2515 02:12:56.720 --> 02:12:59.319 Well yeah, yeah, but no matter what, no matter what 2516 02:12:59.359 --> 02:13:03.359 they make, one of your money is invested. No matter 2517 02:13:03.359 --> 02:13:05.840 what fee they pay out, they don't take it out 2518 02:13:05.840 --> 02:13:13.520 of your money. But you can go directly to college 2519 02:13:13.560 --> 02:13:16.760 invest dot org. That's what I did when I got mine, 2520 02:13:17.239 --> 02:13:18.720 and a five point twenty nine plan. 2521 02:13:19.319 --> 02:13:21.840 It does. It's it's not a bad idea. It's just 2522 02:13:21.920 --> 02:13:26.600 not bad. But in fact, some of them are even 2523 02:13:26.640 --> 02:13:29.079 doing apprenticeship and community colleges with it. 2524 02:13:29.359 --> 02:13:33.880 They're really opening up. And if you're in Colorado, then 2525 02:13:33.960 --> 02:13:36.199 I would say college invest is what you want. 2526 02:13:36.560 --> 02:13:38.159 And and that's not a broker. 2527 02:13:38.479 --> 02:13:47.520 College invest dot org is not a broker, okay. And 2528 02:13:47.560 --> 02:13:50.520 you can open up an account and what you already have? 2529 02:13:50.560 --> 02:13:51.600 How many accounts do you have? 2530 02:13:53.079 --> 02:13:54.039 Just one? 2531 02:13:55.479 --> 02:14:00.159 Okay? Well it's a good plan because it grows, as 2532 02:14:00.199 --> 02:14:02.680 you know, and the only time you pay tax on 2533 02:14:02.720 --> 02:14:07.439 it is if you don't use the money for education. 2534 02:14:09.359 --> 02:14:12.920 I see, okay, apprecire. 2535 02:14:12.399 --> 02:14:14.359 And so how much do you have in one right now? 2536 02:14:14.520 --> 02:14:15.560 How much do you have in one? 2537 02:14:17.279 --> 02:14:18.960 About forty five thousand? 2538 02:14:21.119 --> 02:14:21.920 That's very good. 2539 02:14:22.279 --> 02:14:23.640 You're going to earn a lot of money in that 2540 02:14:23.920 --> 02:14:26.279 and you got a deduction, didn't you going in? Did 2541 02:14:26.399 --> 02:14:28.479 was that pre tax money? 2542 02:14:29.039 --> 02:14:29.359 Yes? 2543 02:14:31.359 --> 02:14:34.319 Good, So you get pre tax money. It's growing tax 2544 02:14:34.359 --> 02:14:39.119 free and you can take it out tax free for college. 2545 02:14:39.279 --> 02:14:41.399 So what has your rate of return. 2546 02:14:41.199 --> 02:14:50.359 Been believe over the life it's been about fourteen percent? 2547 02:14:50.920 --> 02:14:56.039 Again, Wow, that is pretty damn good. That's real. 2548 02:14:56.199 --> 02:14:59.760 And that's taken into consideration your your tax savings. 2549 02:14:59.800 --> 02:15:07.399 Right, yes, yeah, when will you be using that money? 2550 02:15:08.840 --> 02:15:13.800 My kid's still probably of another eight years before they'll 2551 02:15:13.800 --> 02:15:15.600 be out of high school. 2552 02:15:15.640 --> 02:15:19.560 So you know what you got it? Man? 2553 02:15:20.159 --> 02:15:23.199 You know now the only benefit that the only other 2554 02:15:23.239 --> 02:15:26.680 thing you can do. And you mentioned kids plural and 2555 02:15:26.720 --> 02:15:30.159 you have one account. You can have accounts for each child, 2556 02:15:30.199 --> 02:15:33.199 which would allow you more minimums, I mean, if you 2557 02:15:33.239 --> 02:15:35.560 wanted to, but if you're maxed out anyway, it. 2558 02:15:35.520 --> 02:15:38.039 Doesn't matter absolutly. 2559 02:15:39.800 --> 02:15:40.199 All right. 2560 02:15:40.239 --> 02:15:41.319 But you did a. 2561 02:15:41.279 --> 02:15:43.960 Good thing, man, No, no, you really did a good thing. 2562 02:15:44.199 --> 02:15:49.000 And especially especially if they go in in state colleges, 2563 02:15:49.399 --> 02:15:51.479 that's going to go a long way. And wait, you 2564 02:15:51.520 --> 02:15:54.479 see how much that grows by the time they're ready 2565 02:15:54.520 --> 02:15:57.199 in eight years. This is what This is a really 2566 02:15:57.199 --> 02:16:00.680 good thing that Colorado has. And again other states have 2567 02:16:00.720 --> 02:16:02.640 their versions, but we have one of the best. 2568 02:16:03.640 --> 02:16:05.239 So you're you're in a good place. 2569 02:16:07.079 --> 02:16:10.840 Can they use that for like the the room and 2570 02:16:10.880 --> 02:16:12.000 board or is it just. 2571 02:16:12.119 --> 02:16:17.199 Yes, yes, Nope, Nope, they've expanded it dramatically. 2572 02:16:17.520 --> 02:16:19.560 You can use it for any direct school. 2573 02:16:19.239 --> 02:16:22.279 Related Now now they they're gonna ask you, but you 2574 02:16:22.319 --> 02:16:25.399 get to do it and then the consequences they they 2575 02:16:25.840 --> 02:16:27.000 they audit you if they. 2576 02:16:26.880 --> 02:16:30.159 Think is wrong. But it's pretty liberal on what you 2577 02:16:30.199 --> 02:16:31.960 can use it for. Pretty liberal. 2578 02:16:32.040 --> 02:16:34.680 Now if you go to a college, if you go 2579 02:16:34.719 --> 02:16:39.319 to the website collegeinvest dot org, it'll tell you what. 2580 02:16:39.319 --> 02:16:41.600 Is allowed for everything. 2581 02:16:42.200 --> 02:16:45.959 And it's, like I said, it's really been expanded. 2582 02:16:48.360 --> 02:16:49.799 Okay, I. 2583 02:16:51.280 --> 02:16:54.239 Think you're in the right track. Yes, sir, thank you 2584 02:16:54.280 --> 02:16:56.600 for calling. Three h three seven one three eight two 2585 02:16:56.639 --> 02:17:00.319 five five Go with a sure thing Denver's best rufer 2586 02:17:00.479 --> 02:17:01.959 excel roofing dot com. 2587 02:17:02.000 --> 02:17:04.000 You don't pay a cent until you're content. 2588 02:17:07.399 --> 02:17:10.959 Time for an insurance checkup, free no obligation comparison call 2589 02:17:11.040 --> 02:17:14.360 Compass Insurance paying too much your coverage at dozens of 2590 02:17:14.399 --> 02:17:17.319 insurance companies find out now three oh three seven seven 2591 02:17:17.440 --> 02:17:20.200 one help. You'll think you're his only customer when you 2592 02:17:20.280 --> 02:17:22.719 choose Frank durand the real estate Man dot com to 2593 02:17:22.840 --> 02:17:26.040 list your home with Remax Alliance three oh three nine 2594 02:17:26.040 --> 02:17:27.559 two zero sixteen twenty two