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Speaker 3: Man, this is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 1: Tom Martino here. Welcome to the only show of it's
Speaker 1: kind anywhere in the universe. I gotta get situated here.
Speaker 1: What's going on in your life? Man? I mean we
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Speaker 1: love to say, because we solve problems, we answer questions,
Speaker 1: we take complaints, we make life just a little easier
Speaker 1: if we can. And we take your calls. And I'm
Speaker 1: gonna go. Calls always have priority. Here. Jay Bretts is
Speaker 1: with me, by the way from excuse me not Jay. Uh,
Speaker 1: I'm sorry Henry, which is jaysn And Henry is running
Speaker 1: the company with his dad.
Speaker 4: I love seeing that, and uh, I don't know why.
Speaker 1: I don't know.
Speaker 4: I I uh, I'm still working though I'm working my
Speaker 4: ass off.
Speaker 1: Why is that? And Jay's going around the world having fun?
Speaker 1: Maybe anyway, Henry, Thanks for being here. We'll get to
Speaker 1: you in a minute. Here. Lydia, by the way, has
Speaker 1: a roofing issue, so we'll get right to Lydia.
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Speaker 1: five four. So let's talk, Lydia. What's going on, Hi, Lydia,
Speaker 1: I'm talking Gino. Welcome to the show. What's going on, Lydia?
Speaker 6: Well, I have my mom. Hi, I'm kind of nervased.
Speaker 6: So I've never done anything like this.
Speaker 1: You're nervous for? What did she say? Nervous?
Speaker 7: Yeah? I did.
Speaker 6: Can you hear me? Okay?
Speaker 4: I can hear you fine, Lydia.
Speaker 1: Can you hear me?
Speaker 8: Yeah?
Speaker 6: I'm I live out middle of nowhere, so i get
Speaker 6: really bad reception.
Speaker 1: So your mom having an issue with a roofer, yeah.
Speaker 6: And I am her durable power of attorney, so I've
Speaker 6: had to deal with these guys. And they did her
Speaker 6: roof and Aurora and then they did three roofs out
Speaker 6: in Sugar City, which is like near Rocky Ford and
Speaker 6: it was supposed.
Speaker 1: To be out. Does your mom own all these homes?
Speaker 6: Yes, she owns both the homes. One home where I
Speaker 6: live has actually four roofs they did. It's a big property.
Speaker 6: It's like a little.
Speaker 1: Okay, So let me get this straight. So basically, rather
Speaker 1: than say homes. Mom owns two homes, but a total
Speaker 1: of what five roofs?
Speaker 6: Yes, I've been a total of five roofs.
Speaker 1: Yes, sir. Okay, now here's what I need to know.
Speaker 1: I'm going to ask you some simple questions. What's the
Speaker 1: name of the company.
Speaker 6: Well, but when they worked in Aurora on the one house,
Speaker 6: they went under the name of stone Ridge Roofing.
Speaker 1: And how did she find them?
Speaker 6: I found them because when I was out here, my
Speaker 6: vet was getting her roof done. And she's really a
Speaker 6: smart she would know now.
Speaker 1: And then what you said in Aurora they were stone Ridge,
Speaker 1: and what were they somewhere else?
Speaker 6: And then over here in it's Sugar City, but it's
Speaker 6: to be La Junta, a rocky Ford area. They go,
Speaker 6: it's Cornerstone Roofing and they are they the same people?
Speaker 4: Are they the same people?
Speaker 6: Yes?
Speaker 4: Okay, Now, now here's I need to know the problem?
Speaker 6: Okay, Well, the problem with the home and Aurora is
Speaker 6: she had the solar panels from like the seventies. They
Speaker 6: look like pick coffins and they come new flat ones
Speaker 6: and they they put heat into the house, so they
Speaker 6: they're they're a little well, they're a lot from like
Speaker 6: what you see now, and they had gotten damaged in
Speaker 6: the big storm in I think it was May of
Speaker 6: twenty three. It was a huge storm in Aurora, and
Speaker 6: I don't live there, and she was living with me
Speaker 6: out here, you know, really far away from Aurora.
Speaker 1: Radia and Lydia.
Speaker 4: Let me do it another way, Lydia.
Speaker 6: Okay, well so they let's take one house.
Speaker 1: At a time, now, Lydia, Lydia, let's please Stone.
Speaker 4: Ridge Roofing in Aurora.
Speaker 1: Okay, yes, you hired them to do a roof Is
Speaker 1: that the one that had solar on it? Yes? Okay,
Speaker 1: what did now? Normally roofers, Henry correct me if I'm wrong.
Speaker 1: Normally roofers, what do they do when it comes to
Speaker 1: solar Do you hire a solar contractor or do you
Speaker 1: do it? Yeah?
Speaker 8: So the the main thing that roofing contractors do is
Speaker 8: partner with a solar company and do detach and reset
Speaker 8: and so that's a d NRKA And then also, I mean,
Speaker 8: like us, we have a company that worked with it
Speaker 8: very closely to do solar installs and.
Speaker 1: So it's usually not done in the house. Okay, so yeah,
Speaker 1: did they damage the solar panels? Is that what you're
Speaker 1: calling about let's just concentrate on on Aurora right now.
Speaker 6: Yeah, so they heat. So I said, when you come
Speaker 6: to do the roof, are the roof and Aura tay?
Speaker 9: You know they're gonna take down the do the reset,
Speaker 9: you know, take off and put back on. And so
Speaker 9: I asked them to take you know, when they let
Speaker 9: me know so I can come look at them to
Speaker 9: see if it's worse, because they're from like nineteen seventy seven,
Speaker 9: but they still will.
Speaker 1: Well was she using the solar system? Was she using
Speaker 1: the solar system?
Speaker 6: Yeah? So they did not call me, so I wasn't
Speaker 6: able to look at them because these things are huge,
Speaker 6: I mean, and I'm only fight.
Speaker 1: Well, what were you going to do, Lydia? Were you
Speaker 1: thinking about let me just ask. I don't understand. What
Speaker 1: were you thinking about getting rid of sol? Just wait
Speaker 1: for the question. Were you thinking about getting rid of
Speaker 1: the solar or upgrading the panels? What was your thinking
Speaker 1: when you said you wanted them to check with you?
Speaker 9: Yeah, I wanted them when they took them off, so
Speaker 9: I could look at them to make that decision where
Speaker 9: they were as fixteing okay.
Speaker 1: Or and instead and instead and instead they went ahead
Speaker 1: and just put them back on the roof.
Speaker 9: No, no, they took them off. They didn't tell me.
Speaker 9: They came to the house and they were sitting out
Speaker 9: on the lawn. So now I have these huge solar
Speaker 9: panels that.
Speaker 6: They got paid to you know, put on detached or
Speaker 6: whatever you call it, or to get rid of, because
Speaker 6: you know, they had the big thing where they shove
Speaker 6: all the moving materials off. So now I'm stuck with them.
Speaker 6: And and and then they also did didn't do a
Speaker 6: few other things that had to do more with society.
Speaker 1: Okay, here's what I need to know, Lydia, here's what
Speaker 1: I need to know. They finished the roof and aurora
Speaker 1: and left the solar panels on the lawn. Is that correct? Yes?
Speaker 6: And they did so I couldn't even know.
Speaker 1: I don't care about them telling you they came. I
Speaker 1: really don't care about that. They finished the roof, that's yeah,
Speaker 1: that's good, But they did not reinstall the solar The
Speaker 1: question is why didn't they reinstall solar?
Speaker 6: I that because I got the roofer, won't even I
Speaker 6: asked him to discuss this and he's just like, well,
Speaker 6: we didn't put them back on.
Speaker 1: Okay, did the contract. Did the contract say they were
Speaker 1: going to reinstall?
Speaker 6: Yeah, he kind of worded it like that.
Speaker 1: Okay, here's what I want to do. Listen, Lydia, hang on,
Speaker 1: I gotta look at the contract. You got to send
Speaker 1: it to us, because really I need to know what
Speaker 1: they did wrong and what they did not do according
Speaker 1: to the contract. Hang on, uh, Kashina, Let's try to
Speaker 1: get this. Who's in the studio today, do we have anybody?
Speaker 10: We have?
Speaker 1: Dollar? Okay, dollar, get a copy of this contract or
Speaker 1: two or however many she has and go over it.
Speaker 1: I'm Tom Martinez. We're gonna come right back to this.
Speaker 1: This is important. We're going to help her. But what
Speaker 1: you really need to do is we need to look
Speaker 1: at the contract. What was the solar situation? It should
Speaker 1: have been spelled out in the contract. By the way,
Speaker 1: eight eight eight heating dot Com has high efficiency units
Speaker 1: at the best prices in it where they guarantee you
Speaker 1: put them to the test high efficiency, saving you thirty
Speaker 1: forty percent a month three oh three seven seven zero
Speaker 1: two seven seven six. Go with a sure thing Denver's
Speaker 1: best roofer Excel Roofing dot Com. You don't pay a
Speaker 1: cent until you're content. Time for an insurance check up free,
Speaker 1: no obligation comparison call Compass Insurance paying too much your
Speaker 1: coverage at dozens of insurance companies find out now three
Speaker 1: oh three seven seven one help. You'll think you're his
Speaker 1: only customer when you choose Frank durand the real estate
Speaker 1: man dot com to list your home with Remax Alliance
Speaker 1: three oh three nine two zero sixteen twenty two. Hey
Speaker 1: Tom Martino here, three oh three seven one three talk
Speaker 1: three oh three seven one three eight two five five Maynard,
Speaker 1: Welcome to the show, Maynard, what's happening?
Speaker 11: We had Lifetime roof and Solar come out. Give us
Speaker 11: an estimate. It was a little over twenty.
Speaker 1: Seven Now was this for solar or for roofing?
Speaker 4: Mainly roofing?
Speaker 1: Oh, so this is mainly I'm sorry, Okay, maybe we
Speaker 1: don't need my solar expert. I thought you were calling,
Speaker 1: but they did. They're called Lifetime. Yeah, okay, go ahead, okay,
Speaker 1: so go ahead, Estima.
Speaker 11: It was a little over twenty seven thousand dollars, so okay.
Speaker 1: So this is for the roof. Yeah, and how did
Speaker 1: you find out about Lifetime?
Speaker 11: I think I saw it online and on this okay,
Speaker 11: all right, So they completed the roof did the supplemental?
Speaker 11: Travelers Insurance, who we have sent them a check that
Speaker 11: had my wife and I's name both on the check,
Speaker 11: which we were supposed to endorse. They went in and
Speaker 11: cash it. Didn't even get our signature. So now they're
Speaker 11: saying wasn't enough. Now the bill is over thirty five
Speaker 11: thousand dollars. We were not informed of any additional expense.
Speaker 1: Did they deposit the check directly?
Speaker 11: I guess, Like I said, Travelers sent it to Lifetime
Speaker 11: and they cashed it. We didn't know anything about it.
Speaker 1: Well, they deposited it probably, okay, okay, all right. So
Speaker 1: here's the thing. That part's not as serious as you
Speaker 1: might think. The serious part is this with a lot
Speaker 1: of roof claims. And Henry can chime in, Henry Brett's
Speaker 1: with excel roofing my expert today with a lot of
Speaker 1: roof claims.
Speaker 4: Let me get this straight, Henry.
Speaker 1: There is the initial claim and then sometimes you have
Speaker 1: a supplemental.
Speaker 4: Explain how supplementals work.
Speaker 8: Yeah, exactly, So, just like you said, Tom, usually the
Speaker 8: insurance will pay out that first amount, and then where
Speaker 8: the industry is going is they just want.
Speaker 1: To pay as little as possible.
Speaker 8: So what we have to do is go prove to
Speaker 8: them according to building codes where required ice and water shield,
Speaker 8: these different materials.
Speaker 1: So you do supplemental claims, yes, are they done with
Speaker 1: the knowledge of the homeowner or directly with the insurance.
Speaker 8: So it should be absolutely with the knowledge of the homeowner.
Speaker 8: And the way that we do it is we aim
Speaker 8: to get all the supplementing done in advance, and so
Speaker 8: we get that stuff approved. And sometimes the insurance companies
Speaker 8: they'll be super difficult to work with. They'll want stuff
Speaker 8: done on the backside of the claim. But it's really
Speaker 8: important to communicate that to the customer.
Speaker 1: Now, Maynard, how much was the check that they deposit?
Speaker 4: Did it the initial check?
Speaker 11: It was ten thousand something that I sent all the paperwork.
Speaker 1: V I know, but you see the audience doesn't have
Speaker 1: the paperwork, so you got to humor me. So right,
Speaker 1: what was the original contracted amount?
Speaker 11: Twenty seven thousand and five something. I believe, Tom, I
Speaker 11: don't have the paperwork in front of me.
Speaker 1: That's okay, that's okay. It's roughly about twenty seven to
Speaker 1: five estimate. And then they got paid ten grand to
Speaker 1: begin with.
Speaker 11: I paid them fourteen thousand dollars to start the job.
Speaker 1: Now, hold on a second, where'd you get the fourteen
Speaker 1: to pay them?
Speaker 11: We had some money in.
Speaker 4: The bank, so you did not use insurance money. You
Speaker 4: pay them upfront.
Speaker 11: No, that's right. The insurance company initially sent me a
Speaker 11: check and I used fourteen thousand of that.
Speaker 1: Okay, Maynard. I need to know exact Maynard. How much
Speaker 1: did the insurance company send you.
Speaker 11: I don't recall. I think it was around well, what
Speaker 11: twenty four thousand dollars?
Speaker 1: Okay? Now they sent you twenty four thousand, and you
Speaker 1: paid lifetime roofing and solar upfront.
Speaker 11: Fourteen all right.
Speaker 1: Got it? So that left you with about ten grand left? Yes, okay,
Speaker 1: hold on now now okay, they did the roof right, yes, okay.
Speaker 1: Then they did his roof and the estimate was twenty seven.
Speaker 1: So if you paid fourteen, you owed them another roughly thirteen, right, yes, okay.
Speaker 1: Now they got a check for ten, is that right?
Speaker 11: That's correct?
Speaker 1: Okay. And they got a second check okay, a second
Speaker 1: payment directly from Travelers okay, okay, now, and that was
Speaker 1: for ten. So now they've been paid twenty four thousand, right, okay, Now,
Speaker 1: so far they're not overpaid. And now tell me after
Speaker 1: they got paid twenty four thousand. Okay, what and you have,
Speaker 1: by the way, in your pocket ten grand. You still
Speaker 1: have ten grand to the good, So tell me how
Speaker 1: much they're billing you after they've gotten paid twenty four.
Speaker 11: Thirty five and change an extra thirty five?
Speaker 1: No, is that right?
Speaker 11: Thirty five thousand total?
Speaker 1: So they say, I okay, hold on, hold on, bro
Speaker 1: hold on. Then the math is working out almost perfect, Maynard.
Speaker 1: You have ten grand which should go to them by
Speaker 1: the numbers, and you you know, and then you have
Speaker 1: a deductible. So it sounds to me like they're asking
Speaker 1: for what they should be paid.
Speaker 4: What do I have wrong?
Speaker 11: I'm wondering why it's an extra seventy four hundred dollars.
Speaker 1: Because of supplements that is very common in the industry.
Speaker 1: Were you hoping to make money on this or what?
Speaker 11: Maynard.
Speaker 1: I'm not trying to be a smart ass. I'm asking
Speaker 1: straight up, what was Maynard? Did you want money left over?
Speaker 1: Tell me what's on your mind.
Speaker 11: I just want to know why I'm liable for an
Speaker 11: extra seventy five hundred dollars when I was never approached
Speaker 11: of the extra expense.
Speaker 1: Because because if they if they truly had an extra
Speaker 1: seventy five hundred damages to your roof, you are responsible.
Speaker 4: Henry, What did you want to say about this?
Speaker 8: Yeah, I'm just I want to jump in and just
Speaker 8: make it really clear that the insurance company should be
Speaker 8: covering all of those additional supplements.
Speaker 1: Well, of course they did. I mean, he's not out
Speaker 1: any money. Well he should be concerned about is really
Speaker 1: just his deductible.
Speaker 8: And it sounds like they failed to really communicate this
Speaker 8: all to him.
Speaker 1: Of course they did. Maybe it was for communication, but
Speaker 1: I mean, if you look at the numbers, he got
Speaker 1: twenty four paid out, fourteen, he had ten in his pocket,
Speaker 1: then they paid him another ten. This company wants out
Speaker 1: of that ten he's holding, They want another seventy five
Speaker 1: hundred or something. Whatever they want. They're owed that through
Speaker 1: a supplement. If they went on his roof, he owes it.
Speaker 8: If it gets approved or not by the insurance, well
Speaker 8: sometimes they'll deny it.
Speaker 1: The money is already there, Henry, They've already paid it. Listen.
Speaker 4: Listen.
Speaker 1: They paid twenty four, they paid ten, they paid thirty four,
Speaker 1: and so far he's only paid that I'm twenty four.
Speaker 1: I mean the numbers are there. He's saying. I don't
Speaker 1: want to pay that extra money. I want to keep
Speaker 1: the ten grand. That that that's really what he's saying.
Speaker 1: I mean, they wouldn't have sent the money if they
Speaker 1: didn't approve it. I just don't. I don't get the complaint, Maynard,
Speaker 1: And for that reason, I can't help you. I'm Tom
Speaker 1: Martin three oh three seven one three eight two five five.
Speaker 1: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 1: dot com. You don't pay a cent until you're contenth
Speaker 1: time for an insurance checkup free, no obligation. In comparison,
Speaker 1: call Compass Insurance paying too much your coverage at dozens
Speaker 1: of insurance companies find out now three oh three seven
Speaker 1: to seven to one help. You'll think you're his only
Speaker 1: customer when you choose Frank Durand the real estate Man
Speaker 1: dot com to list your home with Remax Alliance three
Speaker 1: oh three nine two zero sixteen twenty two. Hey Tom Martine,
Speaker 1: you know here three all three seven one three talk
Speaker 1: Remember KINH Home Solutions, people said, Tom. The website's khwindows
Speaker 1: dot com. Yes it is, But they're KNH Home Solutions
Speaker 1: and they do gutters and uh and siding and windows
Speaker 1: and doors and you know, everything on the outside. Okay,
Speaker 1: just wanted to let you know that because somebody asked,
Speaker 1: three three four, let's talk to woo. Let's see who
Speaker 1: I'm talking to now. Sorry, okay, so it's your turn, Nicks?
Speaker 1: Is that how I pronounce it?
Speaker 4: Nicks?
Speaker 12: Yes, Hi, Nix.
Speaker 4: What's happening?
Speaker 12: Oh? A few years ago, I moved into a friend's house,
Speaker 12: and basically I had learned that the brand that I
Speaker 12: was giving him was no longer being used for paying bills,
Speaker 12: and I decided to know longer give him rent money,
Speaker 12: and we agreed upon working around his home to pay
Speaker 12: for living there.
Speaker 1: And okay, so hold on, so Nicks, Nick, Nicks, Nicks,
Speaker 1: hold on, I just gotta I just want to make
Speaker 1: a comment.
Speaker 4: So you had an arrangement where you were paying rent.
Speaker 4: How much.
Speaker 12: It was two hundred dollars a month for living in
Speaker 12: a room?
Speaker 4: Okay for a room? Okay.
Speaker 1: Now, then you both decided that wasn't working out, correct, Okay.
Speaker 1: And because it doesn't matter what he was using the
Speaker 1: money for, he could buy anything he wants with the money,
Speaker 1: but for some reason it bothered you that he was
Speaker 1: using the money for something else.
Speaker 12: He basically I learned that he was no longer that
Speaker 12: he was not paying the utilities that I was paying for.
Speaker 1: Well wait a minute, so is he is he the
Speaker 1: owner of the home or just he rented as well?
Speaker 12: He's the honor.
Speaker 4: Okay, And it doesn't matter what he was doing with
Speaker 4: the money. Again, but you.
Speaker 1: Decided then that both of you or both of you decided.
Speaker 12: What that I would work around the home to pay
Speaker 12: for my stay there?
Speaker 4: We were instead of cash.
Speaker 1: Yes, okay? And what and he thought that would be better?
Speaker 12: Basically, yes, we both thought that would be better.
Speaker 4: And what kind of work would you do.
Speaker 12: Cleaning up around the property. He's got quite a bit
Speaker 12: of stuff around here, and to help maintenance the property.
Speaker 1: Okay, sure, well you can make any arrangement you want.
Speaker 1: So what went wrong after that?
Speaker 6: Well?
Speaker 12: He basically the biggest problem that I'm having right now
Speaker 12: is he did not pay utilities for a long time
Speaker 12: and the utilities had been well.
Speaker 1: Se is he living in the house, Knicks? Does he
Speaker 1: live in the house Knicks?
Speaker 12: Yes?
Speaker 4: Okay, when did you first move in?
Speaker 12: About three years ago?
Speaker 1: Oh wow. Okay, so this has been going on for
Speaker 1: a while, and then how long? When did you stop
Speaker 1: paying rent?
Speaker 12: Within the first year of me staying here? Okay, okay,
Speaker 12: the entire time I've lived here, he has not paid utilities.
Speaker 12: His brother was paying utilities for a while and then
Speaker 12: his brother decided to stop.
Speaker 1: Okay, I get it. So now how are you being
Speaker 1: You're still in the house, is that right?
Speaker 12: Yes?
Speaker 4: How are you being affected by this name?
Speaker 12: I'm sorry?
Speaker 1: What now you're when you say we are being evicted?
Speaker 1: Do you live there with someone else? Yes?
Speaker 12: I do. Now my boyfriend moved in about two years ago.
Speaker 1: Okay, okay, now, okay, So here's what I want to know.
Speaker 1: You're being evicted by the guy that.
Speaker 4: Never paid his bills?
Speaker 1: Right, correct? Is he doing the eviction properly? Well? First
Speaker 1: of all, Nicks, I know this sounds Nicks. This sounds strange.
Speaker 1: And what's your boyfriend's name? First name?
Speaker 12: I'm gonna call him Lee?
Speaker 1: Okay, Okay, so Nick, this okay, Nick, Nix and Lee.
Speaker 4: Let me explain something.
Speaker 1: It's none of your business if he pays his bills
Speaker 1: or does anything at all, none of your business. The
Speaker 1: only thing that is your business is this While you're
Speaker 1: paying rent, agreed upon rent, you should have use of
Speaker 1: the property you're renting. Period.
Speaker 4: If that comes to an end, it has to be
Speaker 4: done legally.
Speaker 1: So what I need to know is this, at any
Speaker 1: time where you denied the room that you were paying for.
Speaker 12: No the utility, when do you have to happen?
Speaker 1: When do you have to be out of? When was
Speaker 1: the power shut off?
Speaker 12: About three months ago?
Speaker 4: Oh my god?
Speaker 1: Wait? Wait, wait, you've been living there and that guy's
Speaker 1: been living there without power? I say that guy, the
Speaker 1: landlord for three months without power.
Speaker 12: The landlord had decided to move out and he was
Speaker 12: staying somewhere else in Denver, And we have been stuck
Speaker 12: here with no power for three months and they just.
Speaker 1: Shut off the power and water or just power.
Speaker 12: The water just got shut off last week.
Speaker 4: Okay, So landlord moved out. Where did he go?
Speaker 12: I don't know?
Speaker 1: Well, okay, and did you continue paying rent when he
Speaker 1: moved out?
Speaker 12: Yes, we've been. We've been walking the property for him
Speaker 12: and all of his belongings since he moved out.
Speaker 1: Oh that's right. You weren't paying you were just taking
Speaker 1: care of it. Okay, So when did you get the eviction.
Speaker 12: Notice about three months ago.
Speaker 4: Okay, now listen, why haven't you been out yet?
Speaker 12: Because we just got evict The eviction was just granted
Speaker 12: through to the court system, and that was basically we
Speaker 12: were blackmailed to moving out.
Speaker 4: Well, the courts granted the eviction, Is that right?
Speaker 12: We were We agreed to the eviction because of blackmail
Speaker 12: by the ownership.
Speaker 4: Tell me the black What blackmail are you talking about?
Speaker 12: So my boyfriend has a an unfortunate warrant out of
Speaker 12: another state and is the owner's lawyer decided to blackmail
Speaker 12: us into moving out, telling us that if we didn't
Speaker 12: move out, he was going to contact the police department
Speaker 12: on him.
Speaker 1: Well that's not blackmail, that's not blackmail, but nix. It's unfortunate.
Speaker 1: I will tell you that. But if you let me
Speaker 1: just rather than going back over everyone, because you can't
Speaker 1: change it.
Speaker 4: Now. If the court granted an eviction, when did they
Speaker 4: say you had.
Speaker 1: To be out?
Speaker 12: We have to be out by friday?
Speaker 1: Okay, then let's just confine it to pax right now,
Speaker 1: whether right or wrong, be paying utilities. You were without power,
Speaker 1: You stayed there as long as you could. The court's
Speaker 1: granted the eviction you feel like you were forced to
Speaker 1: go along with it. Now you have to be out.
Speaker 1: So what do you need from us or what were
Speaker 1: you hoping we could do for you?
Speaker 7: We were kind of hoping that we could get more
Speaker 7: information because this is such a sentiment in depth situation,
Speaker 7: like if if you knew the whole story, you would
Speaker 7: have I'm sure a different opinion of.
Speaker 1: Okay, now, now, now, Lee, I'm going to tell you
Speaker 1: something mee Lee. I I don't doubt that it's in depth.
Speaker 1: I don't doubt it at all, and I don't doubt
Speaker 1: that there's a lot more details. But truly you just
Speaker 1: got you guys need to come to grips with something
Speaker 1: because you keep latching onto a few things. Let me
Speaker 1: go over them that that no matter what, it's gonna
Speaker 1: come down to this, whether he paid utilities or not
Speaker 1: is not your business.
Speaker 4: It's not as a tenant.
Speaker 1: Whether when you decided to stay there and he wasn't
Speaker 1: paying utilities still not your business. If you live there
Speaker 1: under terrible conditions, you you chose to live there. If
Speaker 1: the court's granted eviction, you got to be out of there.
Speaker 1: There is nothing I'm telling you the truth, Okay, I'm
Speaker 1: not trying to be a jerk. There's nothing I see
Speaker 1: that you can do to stop the eviction. Is that
Speaker 1: what you're hoping to do?
Speaker 12: No?
Speaker 2: No, no, no, no, okay.
Speaker 1: What then tell me what are no? No, then then
Speaker 1: just tell me this. What are what are you hoping
Speaker 1: to do? Let's get right to it.
Speaker 12: Honestly, we're I'm I'm scared. I don't want to be
Speaker 12: out on the street again.
Speaker 4: I don't blame you.
Speaker 1: No, no, no, nix, I don't blame you, But you're
Speaker 1: not going to be able to stay there.
Speaker 12: I know. I don't want to stay here anymore.
Speaker 1: So what were you? And and I'm only asking this
Speaker 1: because truly we are in the business of trying to
Speaker 1: help people. But what were you hoping that we would
Speaker 1: tell tell you that you can stay there, or that
Speaker 1: you want to find another place? Tell me what you
Speaker 1: need from us? Tell me what you need? And Lee
Speaker 1: you can chime in. What do you guys need?
Speaker 12: You need help? Just trying to find something else? Anything
Speaker 12: else too?
Speaker 1: Okay? Oh I get that, I get that. Hold on,
Speaker 1: I got to take a break. Let's see if anyone
Speaker 1: out there. I mean, it sounds like you were faithfully
Speaker 1: paying rent and you simply need another place, and you
Speaker 1: feel like the guy was very You know, I get
Speaker 1: it right now, that's what you need to concentrate on
Speaker 1: finding another place. And then I'd also like to find
Speaker 1: out what happens if you lay over in an emergency
Speaker 1: with this.
Speaker 4: Cold until you can find a place.
Speaker 1: So let's get Brad O'Brien on, and maybe we do
Speaker 1: that right after the top of the hour because we
Speaker 1: might run out of time. And I want to take roberta.
Speaker 1: So let's line up Nix and Lee and Brad O'Brien,
Speaker 1: a real estate attorney, to talk about what happens. They
Speaker 1: have to stay there because it's an emergency, and I
Speaker 1: know the courts don't care, but what really happens to them? More?
Speaker 1: Right after this, go with a sure thing Denver's Best
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Speaker 1: his only customer When you choose Frank durand the real
Speaker 1: estate man dot com to list your home with Remax
Speaker 1: Alliance three all three nine two zero sixteen twenty two.
Speaker 1: I'm Tom Martine. I just brought Dimitri up. Dmitri, what
Speaker 1: can you tell me about Roberta? You've been working with Roberta?
Speaker 1: Is that the name she called in under?
Speaker 5: Yes?
Speaker 4: So what's going on?
Speaker 1: Bro? Well? Are you there? Sorry? It's just skiddy? Yeah,
Speaker 1: all right, okay, hold on, what's going on with Roberta? First?
Speaker 1: You tell me? Tell me what was it about her grandson?
Speaker 13: No, Roberta is in a really tough situation because someone
Speaker 13: used her husband's.
Speaker 1: ATM card seven thousand dollars, yes.
Speaker 5: Over seven thousand bucks.
Speaker 1: Somebody her debit card from an online for an online purchase. Yeah.
Speaker 13: The place that they purchased a very expensive bicycle from
Speaker 13: is called Full Full Circle Bicycles, and this person paid
Speaker 13: for it online with Roberta's husband debit card, showed up
Speaker 13: at Full Circles and picked up the bicycle. And furthermore,
Speaker 13: some unknown party also used the same debit card number
Speaker 13: at the a TNC store for a little over two
Speaker 13: hundred bucks. But that kind of pales in comparison with
Speaker 13: the giant loss that Roberta took. She filed a police report,
Speaker 13: which I read the late and Roberta has been great tech.
Speaker 1: But why did Wells Fargo say it was not fraud?
Speaker 13: I read the denial letter from Wells Fargo. They offer
Speaker 13: absolutely no explanation for their position. It's a very short,
Speaker 13: curt to the point letter that says we determined that
Speaker 13: there was no fraud in this matter, and that's it.
Speaker 13: There is no avenue of appeal, there's no explanation, there's
Speaker 13: no reason that they gave so Wells Fargo has not
Speaker 13: responded to my requests for comment. However, I just recently,
Speaker 13: a few minutes ago, I was preparing for Roberta's phone call.
Speaker 13: I did find someone that they listened as their local
Speaker 13: Colorado press const So.
Speaker 4: You contacted them and they never got back to you.
Speaker 13: No, but I'm not surprised, you know, and full cycle
Speaker 13: and Roberta apologized for not being in touch with you.
Speaker 4: Did you call her email?
Speaker 5: I emailed Wells Fargo.
Speaker 13: However, there is another avenue I'm going to take because
Speaker 13: just in preparation for a Roberta's phone call, I did
Speaker 13: find someone that Wells Fargo claims to be their Colorado
Speaker 13: press relations contact. Have this guy's phone number, so as
Speaker 13: soon as as soon as we're on a break, I'll
Speaker 13: call him and I'll see if Tony can help us
Speaker 13: resolve this matter. But I think there are two people
Speaker 13: that there are two entities that you know, based on
Speaker 13: what Roberta told me, I don't think she and her
Speaker 13: husband did anything wrong.
Speaker 5: They truly are victims of identity theft in this matter.
Speaker 13: And I think that Wells Fargo should come up with
Speaker 13: a really good reason for denying this dispute.
Speaker 1: Especially they're saying it wasn't fraud. It wasn't fraud Roberta.
Speaker 1: They didn't offer I read the letter that they sent
Speaker 1: to Roberta. Yeah, they just say, well, determine it's not fraud, period,
Speaker 1: end of time.
Speaker 4: Do you think someone got your pin number?
Speaker 13: Well, I don't think a pin number is required. I've
Speaker 13: made purchases online with my debit card and there's no
Speaker 13: pin number required. You just need the number and the
Speaker 13: billing address. Now, let me also go a little bit further.
Speaker 13: I think the other party that has some culpability in
Speaker 13: this matter is Cycle Bikes, because they allowed a pickup
Speaker 13: of an extremely expensive product without requiring any id or
Speaker 13: without even requiring, the person shows them the debit card
Speaker 13: with which they paid.
Speaker 1: Hi. Yeah, hey, Roberta the break, I'll bring you up
Speaker 1: on what the Roberta. We're gonna We're gonna try to
Speaker 1: contact that other hang on. I'm Tom Marrow. How to
Speaker 1: get Brad O'Brien on as well? Then we have Henry
Speaker 1: Breast with us from Excel Roofing stick around on the
Speaker 1: Troubleshooter Show. I'm Tom Martina. Go with a sure thing
Speaker 1: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 1: a cent until you're content. Time for an insurance check
Speaker 1: up free no obligation comparison call Compass Insurance paying too
Speaker 1: much your coverage at dozens of insurance companies find out
Speaker 1: now three oh three seven seven to one help. You'll
Speaker 1: think you're his only customer when you choose Frank durand
Speaker 1: the real estate Man dot com to list your home
Speaker 1: with Remax Alliance three all three nine two zero sixteen
Speaker 1: twenty two. Yeah, ripped off that news. Didn't need advice,
Speaker 1: so you don't have.
Speaker 2: Come running. Just as fast as we can.
Speaker 5: Shooter's gonna help come.
Speaker 3: This is the Troubleshooter Show.
Speaker 1: No Tom Martino. Hi, Tom Martino here, and I welcome
Speaker 1: you to the show. I like calling it the only
Speaker 1: show of it's kind of anywhere in the universe, and
Speaker 1: that would make me a unique host.
Speaker 4: Hey, hey, all kidding aside.
Speaker 1: I tried to come on the radio every day as
Speaker 1: I've done for fifty years forty five in Denver, just
Speaker 1: solving problems and helping people. God, I love doing it now.
Speaker 1: Sometimes there is no help, but there's information. Well I
Speaker 1: guess that is help, isn't it. And with Nicks, there's
Speaker 1: a problem. And I want to bring Brad O'Brien up.
Speaker 1: Brad is my real estate expert. He's a real estate
Speaker 1: attorney O'Brien Legal Services, and I really like using him
Speaker 1: for questions like this.
Speaker 4: And by the way, we also have Excel Roofing with us.
Speaker 1: Today we've been talking about roofing issues and claims, so
Speaker 1: we got a whole plethora of things to speak about.
Speaker 1: Brad O'Brien, welcome. I want to summarize Nix's problem. Nix
Speaker 1: and her boyfriend, I mean, you know, I'm going to
Speaker 1: summarize it. I'm sure they have details they want you
Speaker 1: to know. But Nix and her boyfriend were living in
Speaker 1: a house, and they were at first Nix was paying
Speaker 1: about two hundred bucks for a room, and then within
Speaker 1: the first year, she and the landlord decided it would
Speaker 1: be better if she just kept the place up, cleaned
Speaker 1: up around because the landlord lived there, instead of paying rent,
Speaker 1: because she said, and I told her it was none
Speaker 1: of her business, but she said, the money she was
Speaker 1: paying wasn't going tour at the house anyway, And like
Speaker 1: I told her, that doesn't matter. I mean, if you're
Speaker 1: paying rent, it doesn't matter if he buys cigarettes with
Speaker 1: the money.
Speaker 4: Anyway.
Speaker 1: What happened was the landlord fell on even worse financial time,
Speaker 1: stop making payments to utilities. They were shut off, he
Speaker 1: moved out. They were living there without power for three months.
Speaker 14: Now.
Speaker 1: They've been there a total she's been there a total
Speaker 1: of about three years. The boyfriend has been there about
Speaker 1: two years, two and a half years. So they just
Speaker 1: got granted and I mean the courts just granted the
Speaker 1: landlord an eviction. Of course, she claims they were blackmailed
Speaker 1: into going along with it because of a criminal record
Speaker 1: that came up for the boyfriend. And I told her
Speaker 1: it doesn't matter if there's a legal eviction granted by
Speaker 1: the courts and they have to be out by Friday.
Speaker 1: Let's cut through all the smoke and mirrors. Let's just
Speaker 1: get right to it. But what I want to know
Speaker 1: is this a very simple question. It's an emergency, it's cold,
Speaker 1: they don't have another place to go. What are the
Speaker 1: consequences if Nick and her boyfriend Lee just stay there
Speaker 1: until they can find a place. What happens in a
Speaker 1: case like that? Do they literally forcibly remove them? How
Speaker 1: does it work?
Speaker 15: Brad O'Brien, Well, Tom, at the very end of an
Speaker 15: eviction proceeding is where the sheriff shows up and focuses
Speaker 15: the physical eviction of the tenant. And that's where the
Speaker 15: sheriff doesn't do the actual moving. The landlord is responsible
Speaker 15: for bringing in boomers and they within a course of
Speaker 15: about an hour or so, they move everything out to
Speaker 15: the curb and the tenants get physically victied and locks
Speaker 15: get changed, and that's it. So that's what happens at
Speaker 15: the very end, and it goes that far.
Speaker 4: Okay, So will they physically remove them then?
Speaker 1: Physically? Oh?
Speaker 15: Yes, sheriff actually physically removes the tenants when they are
Speaker 15: when the sheriff is there to enforce and enforce the restitution.
Speaker 1: Okay, so Nicks, they wanted to also know, are there
Speaker 1: any extenda, even circumstances like blackmail or anything else, or
Speaker 1: the fact that he didn't pay his bills or they
Speaker 1: lived without power for three months or whatever, any circumstances
Speaker 1: that could delay this eviction Now that has been granted.
Speaker 15: Well, the lack of power is normally grounds for a
Speaker 15: claim of breach of the warrantied habitability, which is like
Speaker 15: no heat and electricity, no water, that sort of thing.
Speaker 15: So but yeah, they should have brought that up before
Speaker 15: the eviction was entered into before the court orders.
Speaker 1: Well, they were forced. They were forced to go along
Speaker 1: with it. They were forced. Now does that matter if
Speaker 1: they feel like they were blackmailed because he has a
Speaker 1: criminal record and they said they were going to call authorities?
Speaker 16: Can I have a lot of that as well, Nicks?
Speaker 4: Go ahead, Yeah, but would have mattered.
Speaker 1: What I'm saying is this, if Nick said to the courts,
Speaker 1: we don't want to go along with this eviction, but
Speaker 1: we have no choice. They're forcing us, or they're going
Speaker 1: to call the authorities on my boyfriend who has a
Speaker 1: criminal pass By the way, Nick, is he is there
Speaker 1: a Warren out for your boyfriend?
Speaker 12: Yes?
Speaker 1: Why do you feel Why do you feel calling law
Speaker 1: law enforcement on a lawfully executed arrest warrant is blackmail?
Speaker 4: I'm just curious.
Speaker 1: So if hold on, Dmitri, go ahead, quickly, hold on,
Speaker 1: hold on, hold on, Dmitri, go ahead.
Speaker 13: Yeah, Tom, there actually did look this up. There's a
Speaker 13: professional responsibility rule that governs Colorado lawyers, and rule four
Speaker 13: point five, section A prohibits any threat of criminal prosecution
Speaker 13: if the lawyer is using it to leverage his position
Speaker 13: in a civil matter.
Speaker 5: So if that's really what's going.
Speaker 1: On, now, hold on. I think what that law is
Speaker 1: going to help her. I think what that rule means
Speaker 1: is threatening to turn it into a criminal prosecution. Okay,
Speaker 1: not an existing lawfully executed arrest warrant. There's nothing against
Speaker 1: the law about calling authorities.
Speaker 13: Yeah, I'm sure you're probably right. And even if it was,
Speaker 13: this is not going to help our call or final
Speaker 13: turnative housing within the next brat.
Speaker 1: What do you want to just weigh in on that?
Speaker 1: I mean, yeah, would the court say, hey, go ahead?
Speaker 15: Well, first of all, this rule of professional responsibility for
Speaker 15: attorneys is that an attorney cannot threaten a criminal to
Speaker 15: bring a criminal action in order to advance their civil case.
Speaker 14: So they couldn't have used it.
Speaker 15: The lawyer couldn't use it to to try to get
Speaker 15: this addition go through quicker. Now that doesn't stop anybody.
Speaker 1: But he did. He did, but it was a lawfully see,
Speaker 1: he didn't bring the criminal action. It was already there. Yep.
Speaker 1: Does that matter?
Speaker 15: No, it doesn't. I don't think because it's brad. It's
Speaker 15: prohibited by attorneys, not action.
Speaker 1: Okay, the threat, Okay, got it. So even if you
Speaker 1: are housing a criminal and you tell that criminal I
Speaker 1: know you're a criminal and I'm going to call authorities
Speaker 1: if you don't leave, that is prohibited.
Speaker 5: Yes.
Speaker 15: The only way that a landlord can get a tenant
Speaker 15: out on these grounds is if they if there is
Speaker 15: a lie in the application where they said they don't
Speaker 15: have a criminal background, and that was a lie, the
Speaker 15: landlord would have to bring action based on the line
Speaker 15: as opposed to non payment rent.
Speaker 1: Okay, here's the deal. She's got to be out by Friday.
Speaker 1: So your advice is she needs to find a place.
Speaker 1: I mean, bottom line, I mean I think I think
Speaker 1: it's too late to do anything.
Speaker 4: What do you think?
Speaker 15: There's no leniency in the statute, in the eviction statutes,
Speaker 15: But some people, like a judge or the actual sheriff
Speaker 15: who's going to conduct a physical disction, do have some discretion.
Speaker 15: And the sheriff, you might convince them to hold off
Speaker 15: for a couple of days because.
Speaker 16: They have you know, they have a calendar.
Speaker 15: You know, they can do this eviction one one day,
Speaker 15: or they can do it a couple of days later.
Speaker 15: So somebody might appeal to the sheriff who's going to
Speaker 15: do it to try to delay it a little bit.
Speaker 1: Because is it likely they'll show up right on the
Speaker 1: day they're supposed to leave, or is it likely there
Speaker 1: would have to be a complaint made by the landlord.
Speaker 16: What counties is in.
Speaker 15: Again, Nicks, Okay, Denver. There are a couple of weeks
Speaker 15: out as far as exercising witch of restitution. That's the
Speaker 15: sheriff's office. And sometimes the sheriff would delay if there
Speaker 15: is like a you know, if there's a weather event anyway,
Speaker 15: So also the sure gives a they normally give a
Speaker 15: heads up, well sometimes they give it heads up to
Speaker 15: the tenant to let them know it's coming, although in
Speaker 15: some syrips don't do that because they don't want the
Speaker 15: tenant to be to know the actual time of the eviction,
Speaker 15: because they might do it those that are not smart.
Speaker 1: Okay, so Nick, I'm gonna put your situation out there
Speaker 1: to see if we have anybody that might want to
Speaker 1: offer you a place to stay if you have been
Speaker 1: faithfully paying. It sounds like you are just a victim
Speaker 1: of circumstances. I want to ask about employment and all
Speaker 1: of that stuff. Maybe there's someone listening that wants to help. Brad.
Speaker 1: Thank you so much. O'Brien Legal Services and that's O
Speaker 1: l S. That stands for Obrien Legal Services lslaw dot com.
Speaker 1: Seven to zero three seven zero seventy three eighty eight
Speaker 1: The sure Thing Denver's Best roofer Excel roofing dot com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance check up free, no obligation comparison call Compass
Speaker 1: Insurance paying too much your coverage at dozens of insurance
Speaker 1: companies find out now three oh three seven to seven
Speaker 1: to one help. You'll think you're his only customer when
Speaker 1: you choose Frank Durand the real estate Man dot com.
Speaker 1: To list your home with Remax Alliance three oh three
Speaker 1: nine two zero sixteen twenty two. Hi Tom Martine. Renew
Speaker 1: Home Innovations dot com. God do I love them. They
Speaker 1: do the most beautiful, beautiful shower conversions with porcelain sheets,
Speaker 1: no maintenance, two or three days to do it, seventy
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Speaker 1: nine zero four two thousand. Hey, Roberta has a follow up.
Speaker 1: I'm going to bring up. I'm going to bring up Dmitri,
Speaker 1: Deputy Dmitri, Deputy D And so here was the issue.
Speaker 1: Roberta noticed on her debit card. There was a knee
Speaker 1: bike and some other stuff purchased about seven thousand or
Speaker 1: more charges. Wells Fargo never got back to Dmitri, and
Speaker 1: for some reason, the denial letter says, we don't think
Speaker 1: it's fraud. So where does this stand right now? Deputy D, Hi,
Speaker 1: Tom and Roberta.
Speaker 13: I think you're gonna be pretty happy with the development
Speaker 13: that just took place. Over the past couple of minutes.
Speaker 13: I did track down a really really great contact deep
Speaker 13: inside of Wells Fargo. A gentleman by the name of
Speaker 13: Tony Timmins is in charge of press relations for Colorado,
Speaker 13: and he and I had a conversation about your matter,
Speaker 13: and he is taking your case extremely, extremely seriously. He said,
Speaker 13: here's what we agree to, and I already emailed this
Speaker 13: to you just about a minute ago. If you emailed him,
Speaker 13: I sent you his contact and from it was his
Speaker 13: first name.
Speaker 1: His name is Tony and really really Colorado contact.
Speaker 13: Yeah, for press relations. He picked up on the first ring.
Speaker 13: This guy is not playing around. So Roberto, here's what
Speaker 13: he told me. If you send him three things in
Speaker 13: one email. Your brief statement about two fraudulent charges. Second
Speaker 13: is the police report. And by the way I read
Speaker 13: the latest iteration of the police report, they are really
Speaker 13: taking me seriously. They got search warrants for IP addresses.
Speaker 13: Boulder is really on the ball on this, and I
Speaker 13: think that police report really supports you very very strongly.
Speaker 13: And then the third thing, if you could, said Tony,
Speaker 13: is the Wills Fargo charge dispute denial letter, because we'll
Speaker 13: probably have your case number.
Speaker 5: Here's what he's going to do with this.
Speaker 13: He's personally personally going to walk this over to a
Speaker 13: special department that they have within Wells Fargo that exists
Speaker 13: to reinvestigate cases such as this. He said that it
Speaker 13: will take about five business days to complete their reinvestigation,
Speaker 13: and then he's going to contact you and us to
Speaker 13: tell us what Wells Fargo position.
Speaker 5: On this matter is.
Speaker 13: So, I think the stonewalling is over, and I think
Speaker 13: you've got a very high quality contact within Wells Fargo.
Speaker 5: So in case, in case.
Speaker 13: Tony doesn't get back to me but gets back to you,
Speaker 13: would you mind calling us again and let us know
Speaker 13: how this turned out.
Speaker 5: But I have a feeling.
Speaker 13: I have a feeling based on the strength of your
Speaker 13: position and based on Tony's enthusiasm to help us out.
Speaker 13: I think you're going to get some pretty good news
Speaker 13: from Tony and Wells Fargo pretty soon.
Speaker 1: That's cool.
Speaker 4: Okay, So did you give her the email?
Speaker 13: I email so, Roberta. I emailed it to you a
Speaker 13: couple of minutes ago.
Speaker 6: Okay, okay, Roberta, I will look for three three.
Speaker 17: Thank you.
Speaker 1: We'll talk to you at the end of next week. Listen,
Speaker 1: this is what we mean. We want to help and
Speaker 1: we have great deputies. Who's in the house today? Is
Speaker 1: it Dollar and Chopper?
Speaker 9: Now?
Speaker 1: Is Chopper back in the house? Yes, Chopper, good to
Speaker 1: see you. I don't see you, but good to have
Speaker 1: you there. And dollars, same with you. Thanks. Man. Are
Speaker 1: you feeling good? Everything's good? Right, everything's good? I feel good? Good?
Speaker 4: And Dollar? What's new on your plate?
Speaker 1: Hey?
Speaker 5: My birthday was yesterday. I'm not as old as you.
Speaker 1: Really yeah, hey, shut up? Hey really so that's wonderful though.
Speaker 1: Did you have a happy time? What are you doing
Speaker 1: buy yourself a car?
Speaker 14: No?
Speaker 1: Not going to buy a car? No, you didn't just
Speaker 1: do No? Yeah, I you know what. I love my
Speaker 1: car so much, but I have to downsize. I have
Speaker 1: to downsize my car, I really do. I don't need
Speaker 1: a big car anymore. You know. My days of hauling
Speaker 1: crap and all of that, they're they're behind me. So
Speaker 1: and anyway, what i'd like to do is a dollar
Speaker 1: you got Did you get that information, by the way,
Speaker 1: that we've been talking about on that from what I
Speaker 1: said to get let me see, yeah, from Lydia. Yeah.
Speaker 5: I haven't had a chance to call it. That's a
Speaker 5: break here.
Speaker 1: Okay, So let's see what's going on there, and then
Speaker 1: I want to talk about some stuff.
Speaker 4: Going on in the news, and I want to know.
Speaker 1: Look, I know there's a general bend in our opinions,
Speaker 1: whether you skew conservative or progressive or liberal, but this
Speaker 1: is not meant to be political, and I don't think
Speaker 1: everyone can be wrong.
Speaker 4: But I want your opinion now.
Speaker 1: I love my morons here because they're instant live feedback.
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Speaker 1: supplying demand, interest rates, all of the factors three h
Speaker 1: three nine to zero sixteen twenty two. Go with a
Speaker 1: sure thing Denver's best roofer Excel Roofing dot com. You
Speaker 1: don't pay a cent until you're content. Time for an
Speaker 1: insurance check up free, no obligation. In comparison, call Compass
Speaker 1: Insurance paying too much your coverage at dozens of insurance
Speaker 1: companies find out now three oh three seven seven to
Speaker 1: one help. You'll think you're his only customer when you
Speaker 1: choose Frank durand the real estate Man dot com to
Speaker 1: list your home with Remax Alliance three oh three nine
Speaker 1: two zero sixteen twenty two. Hi Tom Martino three three
Speaker 1: seven one three talk seven one three eight two five five.
Speaker 1: Now I got a text about insurance, and I want
Speaker 1: to get Compass on and we want to talk about insuring.
Speaker 4: Stuff inside of rentals.
Speaker 1: But what if that rental is a storage unit or
Speaker 1: an airplane hangar or a man cave, stuff like that.
Speaker 1: We've I've gotten plenty of inquiries that insurance companies are
Speaker 1: reluctant to write stuff like that, or what about liability
Speaker 1: if somebody trips and falls in it? Or what insurance
Speaker 1: is needed? And speaking of insurance, I want to bring
Speaker 1: something up. I was so tired of people misunderstanding insurance
Speaker 1: coverage that I posted on X and on I didn't.
Speaker 1: I don't think if I did it on Instagram yet
Speaker 1: I will. I also did it on YouTube and on
Speaker 1: the referral list channel, and also.
Speaker 4: On my LinkedIn.
Speaker 1: I posted a video that outlines what car insurance is
Speaker 1: and what it covers, the basics for people looking for
Speaker 1: car insurance. So many coverages are misunderstood, and I went
Speaker 1: through each and every one of them. You know, sometimes
Speaker 1: it's hard to get people to look at videos that
Speaker 1: actually in part information that actually information that's good for them.
Speaker 1: You know. It's it's like I said, it's not you know, talking,
Speaker 1: it's not a girl dancing with boobs. It's just good
Speaker 1: old fashioned information. And I just leave it there hoping
Speaker 1: that it catches on and people use it. So I
Speaker 1: ask people, why are more workers now disengaged than ever before,
Speaker 1: not caring about their job? Not caring, I mean, like
Speaker 1: totally disconnected. It used to be ten twelve percent. Now
Speaker 1: we're looking at sixty and seventy percent. The majority of
Speaker 1: workers now one guy. I think maybe it's not a guy.
Speaker 4: Somebody said, Tom.
Speaker 1: People don't want to work hard anymore due to social
Speaker 1: media influences. They want easy money. People are not connected
Speaker 1: to real life, so maybe they feel that employment is
Speaker 1: a pain in the ass and it's just temporary, so
Speaker 1: they don't get involved, they don't do their best. That's
Speaker 1: that's a good observation. I think also that they're and
Speaker 1: this is engendered in politics. You can make a decision
Speaker 1: on who does it and who doesn't. But I call
Speaker 1: it envy. And there's been an overall I think opinion
Speaker 1: that if you're successful and you make lots of money,
Speaker 1: you've done something wrong or evil. It's not lauded, it's
Speaker 1: not celebrated. People tend to dislike you. And I don't
Speaker 1: know why. I really don't know why. I think that
Speaker 1: everyone should do well. And you know, in this economy
Speaker 1: and in our system, there doesn't have to be a
Speaker 1: winner and a loser. In Vegas there has to be
Speaker 1: a winner and a loser. There doesn't have to be
Speaker 1: a winner and a loser. In the economy there doesn't
Speaker 1: or in investments there doesn't have to be a winner
Speaker 1: and a loser. You see, there are.
Speaker 4: Two ways of making money.
Speaker 1: I've said this before on the many many calls I've
Speaker 1: done with my investors at Wave eight Wealth Management when
Speaker 1: they have texted me, and I know you're listening because
Speaker 1: I've talked to a dozen people who have texted me
Speaker 1: and wanting me to talk to them, along with my
Speaker 1: colleagues at Wave eight Wealth Management, and I've talked to them.
Speaker 1: Some of you have very little money, but you need
Speaker 1: to know what to do with it and where to
Speaker 1: go and how to grow. But you don't need a
Speaker 1: financial advisor. Now.
Speaker 4: Many of you are.
Speaker 1: Wasting your money and paying fees to these online services
Speaker 1: you shouldn't need. Some are with big giant brokerages that
Speaker 1: don't know you from Adam. Some are doing a good
Speaker 1: job and their financial advisors are really taking care of them.
Speaker 1: That's very a minority of people I talk to. But
Speaker 1: here's one thing that I found out is that everyone
Speaker 1: needs an opinion and everyone needs help. And the biggest
Speaker 1: problem I find in financial advisement, and that's investment advisement
Speaker 1: in general, that people invest for. You have two ways
Speaker 1: of gaining wealth. You have growing equity, meaning you buy
Speaker 1: something and it grows in value. Now that could be jewelry,
Speaker 1: that could be artwork, That could be a home or rental,
Speaker 1: that could be your primary residence. That could be anything
Speaker 1: that grows in value. So then you have equity that
Speaker 1: is a nest egg of sorts. Then you also have
Speaker 1: cash flow. You know a lot of people make money,
Speaker 1: they have good paychecks, good money. So now when you
Speaker 1: have equity and you have cash flow, but you need
Speaker 1: conversion back and forth in order to create wealth.
Speaker 4: If you have cash flow, you have to.
Speaker 1: Convert some of it to equity, building investments, some of
Speaker 1: it because you want that growth. You're not paying taxes
Speaker 1: on it, and you're getting growth. But then at some
Speaker 1: point in your life that has to be converted back
Speaker 1: to cash flow. So many times during your life you're
Speaker 1: doing this conversion from cash flow to equity, from equity
Speaker 1: to cash flow. The secret in building wealth is when
Speaker 1: to do it. You never get rich spending money you make.
Speaker 1: You never get rich just growing equity. There must be
Speaker 1: conversion anyway. That's what people fail at more than anything.
Speaker 1: And one other thing sharks people that when you go
Speaker 1: to them, here's the very first thing on their mind.
Speaker 1: How much can I make from this person. Now you
Speaker 1: might think, well, isn't that natural, No, it isn't. You
Speaker 1: can make money from people who you service and do
Speaker 1: good things for on a moderate level. You can do that,
Speaker 1: but there are some people that shouldn't be with you,
Speaker 1: or shouldn't buy an annuity, or shouldn't buy life insurance,
Speaker 1: or shouldn't buy a house, or shouldn't buy this, because
Speaker 1: there are people with individual circumstances, and those people have
Speaker 1: not been addressed.
Speaker 4: I'm Tom Martinez. We have more coming up.
Speaker 1: If you ever want to text me for a private session,
Speaker 1: if you ever want to text me about anything like that,
Speaker 1: I'm at your disposal four seven nine nine nine fifty
Speaker 1: two eighty. You can also go to invest with Martino
Speaker 1: dot com. And we have an issue with a furnace
Speaker 1: coming right up, so so Genie, we're gonna get right
Speaker 1: to you. Then we also have excel roofing dot com
Speaker 1: with us hang on go with a sure thing Denver's
Speaker 1: best roofer excel roofing dot com. You don't pay a
Speaker 1: cent until you're content. Time for an insurance check up free,
Speaker 1: no obligation. In comparison, call Compass Insurance paying too much
Speaker 1: your coverage at dozens of insurance companies find out now
Speaker 1: three oh three seven seven one help. You'll think you're
Speaker 1: his only customer when you choose Frank durand the real
Speaker 1: estate man dot Com to list your home with Remax
Speaker 1: Alliance three oh three nine two zero sixteen twenty two
Speaker 1: three three seven one three talk seven one three eight
Speaker 1: two five five Genie, what's going on?
Speaker 16: Yeah?
Speaker 2: Hey there? Can I read what I wrote?
Speaker 1: Yes, you can, Kennedy. If he gets boring, I'm going
Speaker 1: to hold on. I may interrupt you for questions.
Speaker 2: Go ahead, Okay, I want to say what James Patterson says.
Speaker 2: If you don't know the answer, don't ask the question.
Speaker 2: That's why I called your show. I'm a SKA home
Speaker 2: flipper for fifteen years to be exact, fifteen homes to
Speaker 2: be exact. That's two every other year. I'm seventy one
Speaker 2: and this is the second best house out of them all.
Speaker 2: And I'm keeping this one with the view of the
Speaker 2: with the views. I don't want to mention where I'm
Speaker 2: calling from. I called six HVAC companies for quotes beginning
Speaker 2: twenty twenty three up until the end of twenty four.
Speaker 2: Kept everyone quote.
Speaker 1: What was this for? Hold on? Hold on, Janie, hold on.
Speaker 1: So this is for the house you're going to keep
Speaker 1: like your dream home? Right right? Okay?
Speaker 5: I kept you.
Speaker 1: Called six companies. You called six companies, and what happened?
Speaker 2: I kept all their quotes?
Speaker 1: Uh my, and what was the quote for what was
Speaker 1: the quote for.
Speaker 2: New furnace air conditioning?
Speaker 1: Okay, the whole system got it correct. Okay, keep going, dear.
Speaker 2: Five HVAC guys recommended three tom and one recommended three
Speaker 2: point five. I told them all that I converted the
Speaker 2: electric dryer, freeing up the two thirty breaker to a
Speaker 2: gas dryer. So I bought a gas dryer, removed a
Speaker 2: pool pump, no dishwasher, and I live alone. I also
Speaker 2: showed them a load calculation prepared by an electrical engineer,
Speaker 2: proving I had it.
Speaker 1: So the ones let me let me ask you a
Speaker 1: few questions. The ones that offered three ton, did they
Speaker 1: do heat loss calculations based on your house?
Speaker 4: Not one?
Speaker 2: NA about the one did three point five? Person five?
Speaker 1: Okay, So these guys, when they came to sell you
Speaker 1: the system or give you a quote, how did they
Speaker 1: determine the size? Did they look at your old system
Speaker 1: or did you ask them how they determined the size?
Speaker 2: They looked at the furnace existing three ton, and then
Speaker 2: they went purely by square footage?
Speaker 4: Well, how many square feet do.
Speaker 2: You have sixteen fifty four?
Speaker 4: And is it a ranch or two story?
Speaker 2: Too bad?
Speaker 1: Okay?
Speaker 4: But is it a ranch or a two story ranch?
Speaker 2: Flat roof?
Speaker 1: Okay?
Speaker 4: Now flat roof?
Speaker 1: You said, correct, a flat roof. So do you have
Speaker 1: any space between your ceiling and the outside where there's insulation?
Speaker 2: Only the decking and the foam roof which is about
Speaker 2: two and a half inches thick, which really is a
Speaker 2: great barrier.
Speaker 1: Okay, two point five inch foam insulation right on the roof.
Speaker 2: On the roof. It is the roof decking.
Speaker 4: How are the roof? How are the walls insulated?
Speaker 2: The walls have a sixteen wall insulation.
Speaker 4: Sixteen wool?
Speaker 1: What do you mean?
Speaker 2: Sixteen wool density?
Speaker 1: Okay, woll wool? You're talking about the wool?
Speaker 2: Uh woll rockets real good old stuff.
Speaker 4: Are you saying rap?
Speaker 2: No, I'm saying wool like a sweater, wool, rock like
Speaker 2: a stone.
Speaker 18: Rock.
Speaker 4: Got it, ma'am?
Speaker 1: Got it?
Speaker 4: Okay, Now here's what I want to know.
Speaker 2: They don't want to add this. Windows brand new windows.
Speaker 4: Also, what kind of windows?
Speaker 1: What kind of windows?
Speaker 2: That means four mud coats on the exterior?
Speaker 1: Yeah, yeah, what kind of windows? What kind of windows aluminum. Yeah,
Speaker 1: but are they good? Double pain? Okay, okay, hold on,
Speaker 1: I'm Tom Martino. We'll talk about this coming up on
Speaker 1: the Troubleshooter Show. Three O three seven one three eight
Speaker 1: two five five. Go with a sure thing Denver's best
Speaker 1: roofer Excel Roofing dot com. You don't pay a cent
Speaker 1: until you're contenth time for an insurance check up free,
Speaker 1: no obligation comparison call Compass Insurance paying too much your
Speaker 1: coverage at dozens of insurance companies find out now three
Speaker 1: all three seven seven to one. Help. You'll think you're
Speaker 1: his only customer when you choose Frank durand the real
Speaker 1: estate Man dot com to list your home with Remax
Speaker 1: Alliance three oh three nine two zero sixteen twenty two ripped.
Speaker 3: News as fast as you can.
Speaker 8: Shooter is gonna help, coming man.
Speaker 3: This is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 1: Tom Martino here, Welcome to this show. Three oh three
Speaker 1: seven one three talk seven one three eight two five five.
Speaker 1: We're talking in Genie about HVAC systems and Genie. I
Speaker 1: checked with some of my experts with the variables you've
Speaker 1: given me. Yeah, I did, and uh I also want
Speaker 1: to have you back on when they're on tomorrow. I
Speaker 1: do to talk specifics, but what I'm coming up with
Speaker 1: is a three tons system for UH, for your size.
Speaker 1: Three tons now tons is for the it is for
Speaker 1: the cooling part. Okay, for the heating part. It goes
Speaker 1: by B tou so about something about thirty three thousand
Speaker 1: b to you? Okay, So if you get something, if
Speaker 1: you get a three ton and a heating system of
Speaker 1: about thirty three thousand bt us, even thirty thousand could
Speaker 1: do it. But that's what you need. That's truly what
Speaker 1: you need. What other issues did you come up against
Speaker 1: when shopping? And could you tell me the companies you
Speaker 1: checked with?
Speaker 2: No, I can't bring I could. I don't want to
Speaker 2: give you the name of the company that did the install,
Speaker 2: but I could.
Speaker 1: Get wait wait, wait, wait, wait wait wait you already
Speaker 1: had to installed?
Speaker 4: Which one did you go with? Which size?
Speaker 2: I ordered it? Well, he gave me the three point
Speaker 2: five proposal and all three components. I want to along
Speaker 2: with aunt, knowing what I know about?
Speaker 1: What do you mean free?
Speaker 2: Wait?
Speaker 1: Wait? Wait? What do you mean three components? Furnaces don't
Speaker 1: come in tonnage, so what do.
Speaker 2: You mean the coil, the furnace and the condenser.
Speaker 1: Yeah, but the furnace doesn't get measured in tonnage. But
Speaker 1: he matched a furnace to the three point five AC
Speaker 1: is what you're saying.
Speaker 2: I had a three ton in there and I winded
Speaker 2: a three point five.
Speaker 1: I know what you said. I know what you said.
Speaker 1: Now I'm asking what is the heating part of it?
Speaker 1: How many BTUs? Oh?
Speaker 2: Can't tell you unless I look it up.
Speaker 1: Then looking, Okay, Now I'm going to ask this what
Speaker 1: is the issue today that has you calling me?
Speaker 2: Okay? The bet and I took the man through the
Speaker 2: house pointing out what I'm going to say. In the
Speaker 2: bedroom there are three floor of the vents as well
Speaker 2: two cold air returns, so that sized up the noise
Speaker 2: from the blower. That's the number one issue, because he was.
Speaker 1: The number one issue. Is it, Geenie? Is it one
Speaker 1: bedroom that has the two return vents?
Speaker 19: Correct?
Speaker 4: Why is it an extra large room?
Speaker 2: Bethroom? The bathroom has a changing room and a shower
Speaker 2: room and no exterior venting. Okay, the bedroom had a
Speaker 2: vent in the ceiling to accommodate the swamp cooling that
Speaker 2: is acting as a cold air return Now, so I
Speaker 2: got two cold air returns blowing noise, all within oh
Speaker 2: ten feet of the bed.
Speaker 1: Okay, but let me explain something to you, Jeanie. Returns
Speaker 1: don't blow there.
Speaker 2: Their returns incense up there and it draws.
Speaker 4: Yeah, that's right, that's right.
Speaker 1: Okay.
Speaker 4: Now, how many returns around the house?
Speaker 5: Do you have?
Speaker 2: One? Two, three, four, five, six, seven?
Speaker 4: Okay? That's adequate.
Speaker 1: And they're located at the bottom of the room. At
Speaker 1: the bottom of the room, a return should be at
Speaker 1: the bottom of the wall or about six to eight
Speaker 1: inches above the floor. They should not be high. Are
Speaker 1: your returns row or high?
Speaker 2: That's not one. That's there's one in the ceiling of
Speaker 2: the kitchen, slash den, and all the other swamp cooler
Speaker 2: events are going to, according to him, act as cold
Speaker 2: air returns.
Speaker 1: But where are they located on the wall? High or
Speaker 1: low ceiling? Okaye? That is the most That is the
Speaker 1: most screwed up system I have ever heard.
Speaker 2: Hope show this house is built for swamp cooling.
Speaker 1: Well, I don't care what it was built for. Your
Speaker 1: cold air returns are not in the right place. So listen,
Speaker 1: how old is the house?
Speaker 13: Fifty?
Speaker 1: I want to get you back on tomorrow with an
Speaker 1: expert that will talk about your specific information. Okay, Now, Katchina,
Speaker 1: this is really important. Katchina, you listening. I am put
Speaker 1: down the mimosa. Now I want to get her on
Speaker 1: tomorrow because we have our HVAC experts on. But in
Speaker 1: the second hour we start that. Okay.
Speaker 4: So John Fuller is doing the first.
Speaker 1: Hour tomorrow, right, yeah, and I'm going to come in
Speaker 1: on the second hour and I want to get her on.
Speaker 1: So please mark that down, okay, and we'll get one
Speaker 1: of our experts on to talk about this. So, Jeanie,
Speaker 1: I am going to get you back on with someone
Speaker 1: specific so we can talk about it. Now. Is noise?
Speaker 4: Your only issue? Is is it heating adequately?
Speaker 1: Right now?
Speaker 2: Yes?
Speaker 1: Good? Okay?
Speaker 2: Four ton?
Speaker 1: Okay, we're going to get it. What did you just
Speaker 1: say ton? What did you did you just say?
Speaker 4: Four ton? Yeah?
Speaker 2: He put in a four ton?
Speaker 1: You said three point five Now it's a four ton.
Speaker 2: Well asially, if you keep track on my email to you,
Speaker 2: you'll recall the agreement was a three point five ton. Yes,
Speaker 2: he installed a four ton, and I called him out
Speaker 2: on it the very next day. Looking at the model numbers.
Speaker 2: He put in a four, but the coil underneath is
Speaker 2: a three point five before he put in the air
Speaker 2: conditioning condenser.
Speaker 4: Are they are they mismatched?
Speaker 2: Also?
Speaker 1: What so you have some parts of the AC are
Speaker 1: four in some parts are three point five?
Speaker 14: Right?
Speaker 1: Get her on hold, get your information, Jenny, make yourself
Speaker 1: available tomorrow. Thank you. Three oh three seven one three
Speaker 1: talk Kachina, talk to her. I want to get her
Speaker 1: involved tomorrow. I want to get her on tomorrow. Three
Speaker 1: o three seven one three eight two five five. Tom
Speaker 1: I have an issue, he said. I just listened to
Speaker 1: the problem. He must be listening to a past show
Speaker 1: about Ernie, an American restoration, and he says, he says,
Speaker 1: you know, I will give you a hint that basically
Speaker 1: he should be understanding.
Speaker 4: A better job explaining.
Speaker 1: I'm paraphraid seeing and I believe when you do a restoration,
Speaker 1: it should be the same way. It shouldn't matter what
Speaker 1: insurance pays you. What should matter is on what it
Speaker 1: costs to do. I don't know what this guy is
Speaker 1: really trying. I really don't know what you're saying, but
Speaker 1: we are trying to understand the situation. It was he
Speaker 1: ran out of money, basically, and insurance stopped paying and
Speaker 1: we got to figure out why. And I forget who
Speaker 1: we get who we gave.
Speaker 4: This to to work on?
Speaker 1: Wait? Was it you, Dimitri? That was it you?
Speaker 4: On American Restoration?
Speaker 5: And Ernie, No, I don't remember.
Speaker 13: I remember the call out, and remember who's assigned to
Speaker 13: him working at another different insurance company.
Speaker 4: No, Ernie, it was bo oh a Deputy Bow.
Speaker 13: Deputy Bow has the day off, but he's scheduled to
Speaker 13: work tomorrow.
Speaker 1: So we'll talk to him tomorrow. Three oh three seven
Speaker 1: one three eight two five five. We got more coming
Speaker 1: right up on the Troubleshoot Show. It's important that you
Speaker 1: always stay tuned. Hey, by the way, are.
Speaker 4: Were you able to get compassed?
Speaker 1: By the way, So he's out, I need to get
Speaker 1: Brian on.
Speaker 18: Yeah, So he's at a doctor's appointment with his wife,
Speaker 18: So he's going to come on in the one o'clock hour.
Speaker 1: Excellent day one, Clear Choice Garage Doors. I've been in
Speaker 1: touch with this company. They've been on my list for
Speaker 1: so many years. They're wonderful, whether it be the garage
Speaker 1: door itself or the opener or any component.
Speaker 4: All of their prices are on the website.
Speaker 1: Now. The name of the company is one Clear Choice
Speaker 1: Garage Doors. The website is one Clear Choice Doors dot Com.
Speaker 1: A seven to zero, three seven zero thirty nine eighty seven.
Speaker 1: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 1: dot com A cent until you're content. Time for an
Speaker 1: insurance check up free, no obligation. In comparison, call Compass
Speaker 1: Insurance paying too much your coverage at dozens of insurance
Speaker 1: companies find out now three oh three seven seven to
Speaker 1: one help You'll think you're his only customer when you
Speaker 1: choose Frank durand the real estate Man dot com to
Speaker 1: list your home with Remax Alliance three oh three nine
Speaker 1: two zero sixteen twenty two times. Tom Martino here three
Speaker 1: O three seven one three talk three O three seven
Speaker 1: one three eight two five five. I have a text
Speaker 1: here about roofing, Henry. There seems to be confusion on
Speaker 1: auxiliary claims. So here's what I want to know. When
Speaker 1: you do a when you do a contract and you
Speaker 1: give an estimate at excel Roofing, ex cel as an
Speaker 1: excellent excelroofing dot com. When you do that, do you
Speaker 1: put on there anything about auxiliary claims in the future,
Speaker 1: Can you kind.
Speaker 8: Of my own Yeah, you're on bro, Yeah, if you
Speaker 8: can kind of get a little bit more into what
Speaker 8: what do you mean my future?
Speaker 5: Auxiliary claim?
Speaker 1: Okay? Many times a roofer, including Excel, will honestly and
Speaker 1: ethically take a look at the roof and give an
Speaker 1: estimate upfront and a contract. Then later on they discover
Speaker 1: more damage or something that has to be done. It's
Speaker 1: called an auxiliary claim or a supplemental claim. Are those
Speaker 1: spelled out as a possibility or should they be in
Speaker 1: the original agreement?
Speaker 5: Yes, Tom, absolutely so.
Speaker 8: I haven't heard it referred to an auxiliary acclaim in
Speaker 8: a while, but a supplemental claim.
Speaker 4: Okay, supplemental good.
Speaker 1: And so just for.
Speaker 8: Everybody listening, the proper way for a contractor to do
Speaker 8: this with a roof is to try to do all
Speaker 8: the supplementing on the front end.
Speaker 1: But how can you if you didn't tear it.
Speaker 8: Up yet, Because I mean, based on the county, you
Speaker 8: should know the stuff that the insurance is gonna not
Speaker 8: pay for and the building code requires. And so when
Speaker 8: you spec your roof, you're gonna see discrepancies and that's
Speaker 8: something that you can send to the insurance to do that.
Speaker 4: But here's what I'm asking.
Speaker 1: If you get into the job, do you ever have
Speaker 1: a supplemental claim that wasn't foreseen? Yes, that can happen.
Speaker 1: Now is that spelled out in original contracts in general?
Speaker 4: So homeowners know that is a possibility.
Speaker 8: So I can only speak from our contryes. Yes, of course, absolutely.
Speaker 8: We put it in our contract that there could be. Yes,
Speaker 8: there may be additional supplements that are required, and we
Speaker 8: have that all spelled out, and it's very important to
Speaker 8: us that we communicate that from our customers.
Speaker 1: Now, do you go directly to the insurance company with
Speaker 1: the supplemental claims?
Speaker 5: So in order to get the supplement approved?
Speaker 4: We do?
Speaker 8: You have to submit pictures and all the discrepancies to
Speaker 8: the insurance.
Speaker 1: They don't want companies giving a low ball bid to
Speaker 1: get the job and then killing them with supplements, so
Speaker 1: they verify the supplements.
Speaker 4: Right, Yes, absolutely, Okay, Now.
Speaker 1: Why do homeowners get so shook up? I don't understand.
Speaker 1: I've never understood this, and I'm not talking about Excel.
Speaker 1: I'm talking Ben wrong. When a roofer says it's going
Speaker 1: to be twenty five grand and the roofer end up
Speaker 1: getting paid thirty five or forty because of honest legit supplements.
Speaker 1: Why does the homeowner get upset they don't have to
Speaker 1: pay any more than they're deductible. Why do they get
Speaker 1: so upset about that?
Speaker 8: So, Tom, I really just think it's the shock factor
Speaker 8: of getting a bigger bill than you were anticipating.
Speaker 1: And they think maybe that maybe even though they're only
Speaker 1: paying their deductible.
Speaker 8: Absolutely, even though they're paying just a deductible, they think that,
Speaker 8: oh my gosh, I'm being being cheated extra amount.
Speaker 1: And I mean, or maybe they feel like they want
Speaker 1: to Henry, I hate to say this, but many times
Speaker 1: I think they just want to keep the extra money.
Speaker 8: I agree with you, and I mean, there's there's certain
Speaker 8: times where the claim will be significantly increased, such space decking.
Speaker 8: This is that roof decking underneath the roof. If we
Speaker 8: get in the attic and for some reason it looks
Speaker 8: like it has proper dennings and we pull it off
Speaker 8: and it's all rotted bungeeecking, we're going to have to
Speaker 8: supplement the insurance company for this, and usually they won't
Speaker 8: provide that in their initial claim.
Speaker 1: Okay, So I think you got a number of problems.
Speaker 1: One you have companies that do fraudulent supplement claims maybe
Speaker 1: and they give a low ball to get in. Second,
Speaker 1: you have great companies that come across it and they
Speaker 1: need it. It's just legit. And then I think you
Speaker 1: have homeowners who get supplemental checks and then say, but
Speaker 1: wait a minute, I didn't approve that supplement, you know,
Speaker 1: I mean, and it's none of their frickin' business.
Speaker 5: Yeah.
Speaker 4: Absolutely, Okay, that's my opinion. Not you know, I'm not.
Speaker 1: I don't want to dishomeowners, but so many homeowners want
Speaker 1: to keep money. I hear you.
Speaker 14: Tom.
Speaker 8: It's really important to note that when we do a
Speaker 8: lot of these supplementing stuff comes up like this, and
Speaker 8: just making the homeowner aware and understanding what's going to
Speaker 8: come up with the potential for this stuff is just
Speaker 8: it's important and that's what keeps the whole thing running smoothly.
Speaker 1: Bruce, Welcome to the show. I'm Tom Martine. Hey man,
Speaker 1: what's going on, Bruce, Bruce speak or forever whole area?
Speaker 4: Okay, what's going on? Brother?
Speaker 1: Yes sir, Yes, sir.
Speaker 16: We had a warshing machine issue where it was smoking.
Speaker 16: We call it a company hears Home Services. They respond, Yeah.
Speaker 4: They're not seers and they suck.
Speaker 12: But go ahead, Yeah, well they do.
Speaker 1: They suck.
Speaker 4: I'm sorry.
Speaker 16: Yeah, that's okay. We're finding that out. They ordered parts,
Speaker 16: we got the parts a week ahead of time. We
Speaker 16: try and reschedule, but we stuck.
Speaker 1: Now, did you pay Seers Home hold On? Did you?
Speaker 1: Did you pay Seers Home Services?
Speaker 16: Yes?
Speaker 4: How much we.
Speaker 16: Paid them seven hundred dollars total?
Speaker 1: And uh and you've never heard from them after that?
Speaker 5: No, we did.
Speaker 16: We did receive the parts about a week ahead.
Speaker 1: Of Now when you say weld On, when you say
Speaker 1: you received the parts, were they shipped directly to you?
Speaker 16: Yes, sir.
Speaker 4: Did they ever come back to install them?
Speaker 2: No?
Speaker 16: They keep putting us off and they have no.
Speaker 1: Okay, that's good they are. Okay, don't go with them.
Speaker 1: You may have overcharged for the parts, but at least
Speaker 1: you got them, right. Was that seven for the parts
Speaker 1: and installation or just the parts?
Speaker 14: No?
Speaker 16: Everything?
Speaker 1: Okay, So oh so you actually paid hold On? You
Speaker 1: actually paid for the parts and got them, but part
Speaker 1: of that money was for the installation and now they
Speaker 1: keep delaying. Is that why you're pissed?
Speaker 16: Exactly?
Speaker 1: Okay, So they collected for labor, they.
Speaker 4: Did not do.
Speaker 5: Yes, okay.
Speaker 4: How much of that seven hundred was for.
Speaker 16: Labor approximately three hundred?
Speaker 4: Okay, So worst case scenario.
Speaker 1: That they owe you three hundred bucks and we can
Speaker 1: get somebody legit in there. Is that right?
Speaker 5: Yes?
Speaker 4: Who wants this case chopper?
Speaker 5: Yeah, I'll take it.
Speaker 1: I need a case chopper. It's very clear Sears Home
Speaker 1: Services sucks. He paid them seven hundred, he got the parts,
Speaker 1: but now he paid three hundred for installation, and he
Speaker 1: doesn't want them to install it because they keep putting
Speaker 1: them off, or they get their asses over there and
Speaker 1: do it. But I'm not sure I would trust him.
Speaker 1: And I want to say something, man, you know, when
Speaker 1: it comes to appliance repair, it's a very very very
Speaker 1: difficult business for us to get good people. We really Okay,
Speaker 1: I want to tell you about a few I love,
Speaker 1: Apex Jensen, there's another one, hold on he is, Uh.
Speaker 1: I gotta find the one that I love and the
Speaker 1: Russian guy. I'm sorry, I'll look, but they're they're all good.
Speaker 1: But you gotta get you got to go to the
Speaker 1: referral list. And I think I wonder, Hey, Kachina, Yeah,
Speaker 1: I don't know. Maybe I got to find out who.
Speaker 1: I wonder if Apex is the one I was talking about. Yes, Roma,
Speaker 1: I want to get.
Speaker 4: Him on the phone. Okay, I want to get him.
Speaker 1: I really want to get him on the phone because
Speaker 1: I want to talk about his company. He does such
Speaker 1: a great job. Can I give you his number? You
Speaker 1: want me to text it to you? Perfect, Okay.
Speaker 4: Let me let me text it to you.
Speaker 1: If you're actually on the referral list, hold on, it
Speaker 1: doesn't matter to you.
Speaker 4: I want you to look on the referral list.
Speaker 13: Under series A couple of times, Tom, and they are
Speaker 13: very hard to get anything done.
Speaker 1: I'm not Yeah, I don't want them. I want but Kelly,
Speaker 1: this is Roma. Shoot, I can't seem to copy the
Speaker 1: damn number over from the referral list. Go to the
Speaker 1: referral list, look for Appliance and get Apex. That's Roma.
Speaker 1: I have his personal number, though I'm trying to copy
Speaker 1: the dang thing. It's like brain damage to do it.
Speaker 1: Let me try it one more time. And sorry for
Speaker 1: people listening on the radio to this. Yeah, there it
Speaker 1: is and his name is Roma.
Speaker 4: So I just texted it to you. Kelly.
Speaker 1: Three oh three seven one three eight two five five Okay,
Speaker 1: now we have more coming up on the Troubleshooter Show.
Speaker 4: Stick around for that. For that and more coming up.
Speaker 1: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 1: dot com. You don't pay a cent until you're content.
Speaker 1: Time for an insurance check up free, no obligation. In comparison,
Speaker 1: call Compass Insurance paying too much your coverage at dozens
Speaker 1: of insurance companies find out now three oh three seven
Speaker 1: seven to one help. You'll think you're his only customer
Speaker 1: when you choose Frank durand the real estate Man dot
Speaker 1: com to list your home with Remax Alliance three oh
Speaker 1: three nine two zero sixteen twenty two.
Speaker 4: Hey, I am Tom Martino.
Speaker 1: You're a troubleshooter three all three seven one three talk
Speaker 1: you know. By the way, I love you listening on
Speaker 1: the air, and I want you to always check out
Speaker 1: referral list on YouTube. It's such a happy family and
Speaker 1: we have instant comments. You can also text me at
Speaker 1: seven four seven nine nine nine fifty two eighty And
Speaker 1: I really not forego the iHeart texting the short code
Speaker 1: because I do check those. That's five seven.
Speaker 4: Seven three nine. Put Tom in it.
Speaker 1: By the way, once said Tom, you should Oh what?
Speaker 12: Uh?
Speaker 18: I tried to call Roba and left him a message,
Speaker 18: what's wrong.
Speaker 4: With what's wrong with your sinuses?
Speaker 1: Eh? I'm getting over a cold. I much you are.
Speaker 18: I saw much better today that I sounded yesterday. But
Speaker 18: I'm shuffed up a little bit.
Speaker 1: Okay, Now someone recommended a Portia Macon or maccone. We
Speaker 1: know an ev hmm, I'm looking to you know, I
Speaker 1: made up some I made up my mind that I'm
Speaker 1: a candidate for leasing because I don't do a lot
Speaker 1: of mileage anymore, and there's no reason to tie up
Speaker 1: a lot of capital. You know, when I was a
Speaker 1: younger idiot, somewhat materialistic, not in an evil way, but
Speaker 1: I was a jerk. I mean on some of the
Speaker 1: stuff I bought, mostly for others and not really for me.
Speaker 1: I just had capital tied up. And of course when
Speaker 1: you go to sell, you're not going to recoup all
Speaker 1: your money, and then you're going to buy another car,
Speaker 1: so you're constantly have a cost of transportation.
Speaker 4: Right.
Speaker 1: Well, here's what I'm getting at. I don't want to
Speaker 1: have capital tied up anymore, and I would like to
Speaker 1: have the I'd like to pay only for what I'm using,
Speaker 1: so I think that I would like to, you know,
Speaker 1: have a car that I leased this time, so it's
Speaker 1: the first time in my life i'd be a candidate.
Speaker 1: I can. I hardly put mileage on it. I want
Speaker 1: a nice card and you pay by the month, you know.
Speaker 1: So what do you guys think? By the way, my
Speaker 1: YouTube morons, you got to help me out here because
Speaker 1: this is something I don't understand. What does it mean?
Speaker 1: Would love you join us? Martine Morons on Discord? So
Speaker 1: do we have a separate conversation going on with my
Speaker 1: online streamers on Discord? Can somebody help me with that?
Speaker 1: Let me know and I'm going to sign up for that. Meanwhile,
Speaker 1: Bruce with the washing machine. We're trying to get our
Speaker 1: people on. We left a message for our appliance people.
Speaker 1: But here's what I would like to do. I want
Speaker 1: to give it to one of my people here to
Speaker 1: coordinate with Roma to get Roma on the air. I
Speaker 1: want to talk about what Roma does anyway, you know
Speaker 1: what appliance repair is hard and it's ridiculous. And then
Speaker 1: there used to be a guy Zach, Zach, you know
Speaker 1: who you are. You text me, so, Zach, can you
Speaker 1: text me and let me know what's going on with
Speaker 1: your appliance repair company? Are you still doing it? You
Speaker 1: used to be on the referral list. You know, here's
Speaker 1: the problem the referral list for appliance repair. A lot
Speaker 1: of people don't look there or haven't looked there, so
Speaker 1: they don't get the action a lot of other members
Speaker 1: do on the referral list. Our referral list was the
Speaker 1: first list of his kind ever, and people used to
Speaker 1: go there for almost everything but certain things. For some reason,
Speaker 1: people weren't conditioned to go there. And for some reason,
Speaker 1: my people in the appliance repair category say they don't
Speaker 1: get a lot of action, and I want to change
Speaker 1: that because they're such good people. So anyway, some guy
Speaker 1: was texting me about EVS. He says, I'm not a
Speaker 1: fan of electric cars. I work for a distributor that
Speaker 1: sells materials to electric utilities and have sold car chargers.
Speaker 1: Plus I've personally been driving all electric for four years now.
Speaker 4: And he's not a big fan.
Speaker 1: And he says, hey, you know what, I'd gladly weigh
Speaker 1: in on what you should buy.
Speaker 4: Blah blah blah. So thanks for that.
Speaker 1: You know, experts are experts because they know where to
Speaker 1: look for wisdom. I mean I learn from others. I
Speaker 1: didn't manufacture this wisdom. I learn from others over fifty years.
Speaker 1: That's what makes a genius is sucking off of others.
Speaker 1: If you think you know it all, you're an idiot.
Speaker 1: Now let's talk three O three seven one three eight
Speaker 1: two five five evs good bed indifferent. Now let me
Speaker 1: give you this one. Okay, this is something for Brian Burns.
Speaker 1: We're gonna get on. So this text about the clue reports.
Speaker 1: We will talk about when you when we get Brian
Speaker 1: Burns on, and that's in the next hour, right. Kachina
Speaker 1: Calori that is crypt and Kachina is a nickname I
Speaker 1: give her because her name is funny and I love
Speaker 1: calling her Kachina. It's Kelly Katura, and then I just
Speaker 1: call her Kachina Chlory. By the way, Kachina Glory just
Speaker 1: went there last night? Did you ever go there? Kachina?
Speaker 1: I have it yet, but I cherry Creek, No, not yet.
Speaker 1: What is It's Italian? It's oh, it's been there a while.
Speaker 1: It's an Italian place. It's been there a while, Dmitri,
Speaker 1: you ever go to Kachina Glory. Where is that in
Speaker 1: Cherry Creek, North No, I've never been there. It's pretty cool.
Speaker 5: I hear nothing but great things about it.
Speaker 13: Yes, it's really a lot of fun and the food
Speaker 13: is great and parking is easy.
Speaker 1: Okay. And also, dimitriec, you have a you have something
Speaker 1: for you want something for Compass insurance?
Speaker 13: Yeah, you know what's interesting is I looked up. I
Speaker 13: asked the Google a question. I said, are fraudulent debit
Speaker 13: card charges covered by homeowners insurance? And the answer was yes,
Speaker 13: there are homeowners policy that offer that option, but it
Speaker 13: has to be requested and you have to pay for
Speaker 13: that option. I've never heard of that until I was
Speaker 13: researching Robert as Wells Fargo case. So I would love
Speaker 13: to get what Yeah, I was very so, what do
Speaker 13: they cover you for fraudulent charges to your debit cards?
Speaker 1: Come on, that's what the under auto insurance?
Speaker 5: No, no, homeowners homeowners and renters?
Speaker 1: Is it kind of like part of the identity theft thing?
Speaker 13: Exactly? That's identity theft was part of the answer. So
Speaker 13: I'd love to get Compass insurance.
Speaker 1: I gain on this matter.
Speaker 13: I do too, because I would have to sign up
Speaker 13: for it just in case. I assume it's a very
Speaker 13: affordable option for coverage.
Speaker 4: It's a good idea.
Speaker 1: Okay, so we Bruce, hang on there, Bro, We're gonna
Speaker 1: get some experts on I'm Tom Martino three oh three
Speaker 1: seven to one three Talk seven oh three two fivey five.
Speaker 1: Waterpros dot net the absolute best water conditioning systems, whether
Speaker 1: it's filtration, protection from chemicals, drinking water, reverse osmosis, or
Speaker 1: softening waterpros dot net three oh three eight six two five,
Speaker 1: five five four. Go with a sure thing Denver's best
Speaker 1: roofer Excel Roofing dot com. You don't pay a cent
Speaker 1: until you're content. Time for an insurance checkup, free no
Speaker 1: obligation comparison call Compass Insurance paying too much your coverage
Speaker 1: at dozens of insurance companies find out now three oh
Speaker 1: three seven to seven to one help. You'll think you're
Speaker 1: his only customer when you choose Frank Durand the real
Speaker 1: estate Man dot com to listen your home with Remax
Speaker 1: Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: Hey Tom Archino, you're a troubleshooter at three o three
Speaker 1: seven one three talk seven one three eight two five five.
Speaker 4: Let's see whose turn it is?
Speaker 1: Brian?
Speaker 4: What's going on?
Speaker 1: Brian?
Speaker 17: I'll give me one second.
Speaker 2: Okay, sorry, are.
Speaker 1: You there, hi, Brian? Yes, what's going on?
Speaker 14: Okay?
Speaker 10: Hi?
Speaker 17: I used to work at King super Hi. I used
Speaker 17: to work at King Supers and Conifers.
Speaker 1: Yeah. Yes, on top of.
Speaker 17: Being I don't know. I don't know how to explain them,
Speaker 17: but they will not give.
Speaker 16: Me my W two.
Speaker 2: They won't even bear.
Speaker 1: Okay, let me ask you. Okay, hold on, let me
Speaker 1: let me ask you a couple of questions. When did
Speaker 1: you work at King Supers?
Speaker 6: Okay, I worked there in October.
Speaker 17: Oh, little bit of coourse. I had been through a
Speaker 17: little bit of stuff, so my day's am going to
Speaker 17: be accurate.
Speaker 1: Okay, but that's okay. So did you work there? How
Speaker 1: long did you work there? I'm going to get right
Speaker 1: to the bottom line and help you help. A year?
Speaker 4: And when did you leave?
Speaker 17: October? So it was October to October?
Speaker 16: So let me let.
Speaker 1: Okay, So you need did you get Did you get
Speaker 1: your W two for twenty three from the October, November
Speaker 1: and December?
Speaker 6: No, I have not yet.
Speaker 1: So you've gotten no. I apology.
Speaker 17: Yes last year I did, but I have not.
Speaker 4: Gotten you, Brian, hold on one second.
Speaker 1: When you say last year, listen, So you worked there October,
Speaker 1: November and December of twenty three in the year just passed,
Speaker 1: you work January through October. Which W two?
Speaker 4: Did you get.
Speaker 2: The first one?
Speaker 1: Okay?
Speaker 4: The three month one?
Speaker 2: Yes, sir?
Speaker 1: Okay.
Speaker 4: Now, so you did not get the twenty twenty.
Speaker 1: Four which you have to file by April fifteenth this year. Correct,
Speaker 1: you file it this year. But the W two you're
Speaker 1: waiting on is January through October of twenty twenty four.
Speaker 8: Correct.
Speaker 4: Okay, why did you not get it?
Speaker 17: I haven't got it yet. They said they would melt
Speaker 17: it out by February first, but I was making sure.
Speaker 17: I have moved four times this year last year, so
Speaker 17: I'm making sure to verify my address to make sure
Speaker 17: they have my right address. And they sent me to
Speaker 17: corporate office, me to another different type of office, and
Speaker 17: then they just kept sending me around. They let people
Speaker 17: drink on the job, They have sex with each other
Speaker 17: on the job. It's a horrible place. They treat everybody
Speaker 17: like crap. The managers get raises and promotions while we
Speaker 17: sit there and beg the good people to go up
Speaker 17: in the business. And we get crapped on.
Speaker 14: We always get.
Speaker 17: Set part time. We never get back to full time.
Speaker 17: Some kind of thing that they say to deal with corporate,
Speaker 17: but it never gets fixed.
Speaker 1: Okay. So, by the way, briand do you have another
Speaker 1: place you're working now?
Speaker 17: I'm at budget in a lab. This is my old
Speaker 17: job that I was at eight years ago.
Speaker 1: Do you like it?
Speaker 17: And I've been here, you love it. It's in the street,
Speaker 17: that's bids.
Speaker 1: Okay, Now I want to There's a few things I.
Speaker 4: Want to talk about.
Speaker 1: I think first of all, you need to know this
Speaker 1: that there is no requirement. Well, there is a requirement.
Speaker 1: They give you a W two, but you don't have
Speaker 1: to let it affect your filing if you estimate now
Speaker 1: it's going to be hard to do. But do you
Speaker 1: have a paycheck stub? Any of them from twenty twenty four.
Speaker 17: Fishing supers?
Speaker 1: Yeah?
Speaker 17: Okay, so Tom Martino, no, I do not. They have
Speaker 17: this system that's called my Info and my Time that
Speaker 17: you get in on right, have a number that they
Speaker 17: give you and then a password.
Speaker 1: Yes.
Speaker 17: Well, now that I've been I don't work there anymore.
Speaker 17: You have no access, so we can't get that. I
Speaker 17: have no access, so then they think you're around to
Speaker 17: the Rigmarow.
Speaker 4: No, I get it.
Speaker 1: Listen, you never retained a PDF or a printed ever
Speaker 1: paycheck or pay stub ever from twenty twenty four, not
Speaker 1: one of them.
Speaker 17: The first to paychecks I did.
Speaker 1: Of what, I'm twenty twenty depositive. Hold on, I get it.
Speaker 1: So you did get a direct deposit.
Speaker 17: I get what you're saying. Okay, So no, Now I
Speaker 17: want you.
Speaker 4: To hold on, Brian.
Speaker 1: I just want you to hold on, and I'm going
Speaker 1: to come back to you. I do have some ideas
Speaker 1: for you, and I understand the frustration, especially when you
Speaker 1: didn't like how they treated you. So hang on. I'm
Speaker 1: going to come back and help you. I'm Tom Martinez
Speaker 1: Moore coming up. I go with a sure thing Denver's
Speaker 1: Best roofer Excel Roofing dot com. You don't pay a
Speaker 1: cent until you're content. Time for an insurance checkup free
Speaker 1: no obligation comparison call Compass Insurance paying too much your
Speaker 1: coverage at dozens of insurance companies find out now three
Speaker 1: oh three seven seven to one help. You'll think you're
Speaker 1: his only customer. When you choose Frank durand the Real
Speaker 1: Estate man dot com to list your home with Remax
Speaker 1: Alliance three oh three nine two zero sixteen twenty two,
Speaker 1: ripped up new need ad By so you don't have.
Speaker 2: Come running.
Speaker 15: Just as fast as we can, Shooter's gonna help come
Speaker 15: man Dix.
Speaker 3: He is the Troubleshooter show. No Tom Martine.
Speaker 1: Hey, I'm Tom Martino, your trouble Shooter. Welcome to the show.
Speaker 1: If you're streaming, you see this handsome young man, that's
Speaker 1: me and then the guy next. I'm just kidding. The
Speaker 1: handsome young man is Henry Brett's Excel roofing. He's alongside
Speaker 1: me here, and you know, I look at I go
Speaker 1: back with Excel from their very beginning. And in fact, Jay,
Speaker 1: his kids and my kids were born months apart each one,
Speaker 1: so they've known each other in the crib. I've known
Speaker 1: Jay even when he had great looking hair. And he
Speaker 1: isn't gray, although he's really not. Hey, he's way younger
Speaker 1: than me. So what's happening in your life? And how
Speaker 1: can we help you? Is that the question I ask
Speaker 1: a million times?
Speaker 4: Yes it is.
Speaker 1: So we're waiting for our expert. Uh Kachina help me
Speaker 1: out here. We were going to get Roma on is
Speaker 1: that right? Is he going to be available? You have
Speaker 1: the message. God, we haven't heard from Rama. I know
Speaker 1: you're working hard, but we want to get you on.
Speaker 18: It would straight to voice Bill.
Speaker 1: Damn it. We might have to move Bruce. What's that
Speaker 1: I'm working on Brian.
Speaker 4: On Brian for compass insurance?
Speaker 1: Good? And then I want to go to Brian. So
Speaker 1: we left off with Brian, and Brian needs the W
Speaker 1: two's And what I said was if she had direct deposit,
Speaker 1: she can pull up the trans action and get an
Speaker 1: estimate of her gross and her net, how much was
Speaker 1: taken out by state and how much was taken out
Speaker 1: for federal and FIKA. She can use that to multiply
Speaker 1: by the number of pay cycles twenty six, twenty five, twelve,
Speaker 1: whatever it is, and then do an estimate. The IRS
Speaker 1: accepts estimates of a W two with a note saying
Speaker 1: they have not released my W two or they have
Speaker 1: not sent me a W two. The IRS will not
Speaker 1: penalize you, and it's going to be good. And if
Speaker 1: they if they might even try to get to W
Speaker 1: two and make the corrections for you. But that's what
Speaker 1: you do and pull up as many as you can
Speaker 1: direct deposits. That's a full record and it should have
Speaker 1: the stub. If it doesn't, then what you need to
Speaker 1: do is if you only have one stub or two,
Speaker 1: that's fine.
Speaker 4: You do your estimates.
Speaker 1: For example, if you're paid every two weeks, whatever that
Speaker 1: turns out to be the number of cycles, you multiply
Speaker 1: what you see there for everything, and you estimate how
Speaker 1: much you grossed, how much you netted, how much was
Speaker 1: taken out for state, how much was taken out for federal,
Speaker 1: and all of those questions. So get a W two.
Speaker 1: So when they ask for the amount in box number
Speaker 1: so and so, if it's state, then you go to
Speaker 1: your stub. You multiply the state out by how many
Speaker 1: pay periods and you put that in there as an estimate.
Speaker 1: You actually can write a note saying W two is
Speaker 1: not issued, or they did not send me a W two,
Speaker 1: or despite my best efforts.
Speaker 4: I could they will not send me one.
Speaker 1: Just tell it like it is, and that's how you
Speaker 1: handle this situation. Yeah, brand, Now we could also do
Speaker 1: one other thing. If you want, Deputy Dollar, are you there, Yes,
Speaker 1: I'm here to Deputy Dollar.
Speaker 5: Yep.
Speaker 1: Dollar, listen, can you light a fire for her at
Speaker 1: King's at Uh what is it, Kroger, Yeah, Kroger, Yeah,
Speaker 1: let's here. So we're gonna do two things. I just
Speaker 1: gave you the what we call the d y I suggestions,
Speaker 1: but I'm also going to give this to Deputy Dollar,
Speaker 1: and we call him that because in another life, when
Speaker 1: he was young and vibrant, he was an accountant. Right,
Speaker 1: he's still young, He's still young, He's still young and vibrant.
Speaker 1: I'm just giving these guys a bunch of craft lists
Speaker 1: and they're all healthier than me right now. So listen,
Speaker 1: So let's uh Dollar, let's try to help her. Okay, certainly,
Speaker 1: we'll go ahead and do that and then see what
Speaker 1: pace you can find Dollar to help her out, and
Speaker 1: then we'll probably get these people. Just light a fire
Speaker 1: underhim brand You're you're gonna be in good hands. He'll
Speaker 1: be calling you. Okay.
Speaker 17: I appreciate you so much.
Speaker 2: You have done more hey than they have since I
Speaker 2: worked for them.
Speaker 1: Well, keep your chin up and we will continue helping
Speaker 1: you and thank you very much. By the way, in general,
Speaker 1: I don't ever say this, but if you ever feel
Speaker 1: like putting a review in for what we do for people,
Speaker 1: do it. I mean you know, there's nothing wrong with
Speaker 1: saying that. I mean, because it's I have the kind
Speaker 1: of business people don't think about reviewing. They really don't.
Speaker 1: They don't think about it. They think what you're on
Speaker 1: the radio, you know, review yourself. Anyway, Troy, you have
Speaker 1: a comment that I find very interesting here because I'm
Speaker 1: not sure what it's about. Hi, Troy, I'm Tom Martine.
Speaker 1: What's going on?
Speaker 12: Hey?
Speaker 14: Tom?
Speaker 6: Hey?
Speaker 14: Last years the state tried to push through an assault
Speaker 14: weapons band and it failed miserably because their definition of
Speaker 14: what an assault weapon was was yeah written. Well this year, yeah,
Speaker 14: they figured out how to get around the problem. Uh
Speaker 14: they're big. Yeah, they're trying to ban any semi automatic
Speaker 14: firearm with a detachable magazine. You will not be able
Speaker 14: to purchase one, uh transfer one. So this is like
Speaker 14: way over the top.
Speaker 1: So if you haven't, well who told you this? I
Speaker 1: I don't just help me out? Who told you this?
Speaker 5: No?
Speaker 16: This is true?
Speaker 1: Well no, no, I don't doubt it's true. I just
Speaker 1: don't know about it. So how do you know about it?
Speaker 10: Uh?
Speaker 1: Deputy D And go ahead, you two, sir. I'm sorry, Yeah,
Speaker 1: I'm talking to both of you. Tell me how I
Speaker 1: find out more Troy.
Speaker 14: So you go to the Colorado General General Assembly and
Speaker 14: it's Senate Bill twenty five zero zero three.
Speaker 1: Uh, okay, I'm going to put that on hold on
Speaker 1: it's SB. What give me the number again, SB?
Speaker 14: What two five? That's zero zero three? Yeah? Uh semiantematic
Speaker 14: firearms and rapid look at our device?
Speaker 4: Got it?
Speaker 1: Okay? So what do you know, Deputy d Yes, it's okay.
Speaker 1: It's Sentate built twenty five zero zero three and it
Speaker 1: was introduced January eighth. My god, they didn't waste much time.
Speaker 1: Twenty twenty five aims to prohibit the manufacturer, distribution, transfer, sale,
Speaker 1: purchase of specific semi automatic firearms that that accept detachable magazines.
Speaker 1: The legislation would affect many pistols and rifles, as manufacturers
Speaker 1: typically do not produce these firearms without removal magazines. It's
Speaker 1: it's only like the sixth revolver or something.
Speaker 5: They don't know that's going to be left as the revolvers.
Speaker 1: And so the The bill also seeks to ban rapid
Speaker 1: fire trigger activators, bump stocks, devices that can increase the
Speaker 1: firearms rate of fire, and then also firearms with detachable
Speaker 1: magazines already in possession. Within Colorado would be grandfathered in,
Speaker 1: meaning the ban would apply to firearms sold in the
Speaker 1: state after the bill becomes law. As of January twenty first,
Speaker 1: twenty twenty five, SB twenty five zero zero three has
Speaker 1: been introduced and assigned to a committee. The bill sponsors
Speaker 1: hope to advance it to the floor by February. So speak, sir,
Speaker 1: what should we do?
Speaker 4: Troy?
Speaker 14: We should definitely call our wonderful governor and strongly encourage
Speaker 14: him to beto this bill.
Speaker 1: Come on, do you really come on, bro? Do you
Speaker 1: really believe?
Speaker 14: And it'll get through the House.
Speaker 1: Of course, Will and the governor. The governor is the same,
Speaker 1: They're all of the same, Ilk and Troy.
Speaker 13: You know, there's some reason to be optimistic. I mean,
Speaker 13: the last session they did try to ram through a
Speaker 13: much less ambitious version of this bill, and it failed miserably,
Speaker 13: and it failed pretty quickly. This time they bid off
Speaker 13: even more so. I mean, do we have any reason
Speaker 13: to even worry about this?
Speaker 14: Yeah, because the reason it failed last time was their
Speaker 14: definition of what a soul weapon was was just a
Speaker 14: whole laundry list and very confusing. It would have Their
Speaker 14: last ability's even banned black powder fifty caliber rifles. It
Speaker 14: was so bad.
Speaker 13: Well, I agree with you that there's nothing confusing about
Speaker 13: this version of the bill.
Speaker 1: No, it's not. It's pretty damn.
Speaker 13: Given how ambitious it is, and given how much success
Speaker 13: you know, our pro freedom side has had at the
Speaker 13: Supreme Court in the past few years, is there really
Speaker 13: anything to worry about?
Speaker 14: Well, I have no doubt that if it does get past,
Speaker 14: it's going to go to the courts and be battled
Speaker 14: in the courts, and there's going to be an injunction.
Speaker 14: So it's our governor that has ambitions for a higher office.
Speaker 14: Uh yeah. He is lining himself up to be the
Speaker 14: uh the moderate, uh liberal, and so these guys are
Speaker 14: pushing a bill to him that he's going to be
Speaker 14: forced to either reject or sign. Then he's going to
Speaker 14: piss off both sides.
Speaker 5: I agree with that.
Speaker 13: But you know, the people who are writing and and
Speaker 13: arguing in favor of this bill, they're just grand standing.
Speaker 13: They're pandering to their base, they're pandering to various special interests.
Speaker 13: And I have a feeling even they know this bill
Speaker 13: doesn't have a snowballs chance.
Speaker 1: You know what's amazing.
Speaker 14: I'm sultan was the Senate ye, go ahead.
Speaker 5: It's got to go to both.
Speaker 1: Ye know, when it comes to firearms, it's so controversial.
Speaker 1: You know, I always tend to go skew more towards freedoms,
Speaker 1: you know, I mean, you know, with responsibility and freedom.
Speaker 1: I mean, when are we going to get it? When
Speaker 1: are we going to get it? That that banning weapons?
Speaker 1: I mean, okay, if you make it more difficult to
Speaker 1: get certain weapons, I guess I don't mind if there
Speaker 1: the deadliest weapons on earth and you can actually do
Speaker 1: it without impinging freedoms.
Speaker 4: But I don't know what the answer is.
Speaker 1: Be strong on crime. You know what's amazing, the same
Speaker 1: people looking to ban firearms decriminalize things and make make
Speaker 1: being a criminal easier. I just don't get it. They
Speaker 1: tend to shift the focus, they said, tend to shift
Speaker 1: the focus from people to things that because they don't
Speaker 1: leave in illegal people and illegal action. They people are
Speaker 1: wonderful and they're all going to vote for us. You know,
Speaker 1: let's condemn the thing.
Speaker 13: The thing, and Tom, I have another, you know, offshoot
Speaker 13: to what you just said, which is banning guns is
Speaker 13: a simpleton's solution. So you know, it's very difficult to
Speaker 13: come up with a plan and execute a plan that
Speaker 13: will take guns out of the criminals' hands, that will
Speaker 13: prosecute and punish criminals for using guns wrongfully.
Speaker 5: That is a very difficult thing.
Speaker 13: And it could be that most of the people who
Speaker 13: who support gun control really can't figure out how to
Speaker 13: address what I just said, so they're taking the simpleton's
Speaker 13: way out just to pander to their base.
Speaker 1: Tom.
Speaker 14: It really comes down to there are logical people and
Speaker 14: their emotional people, and the progressives and liberals tend to
Speaker 14: be emotional things that make you feel better.
Speaker 1: Well, you know, now, let's be fair. I mean, we
Speaker 1: can we can all be emotional, and we can all
Speaker 1: be everything. You know. Look, I get it, though, I
Speaker 1: know what you're saying. To a conservative, it looks like, uh,
Speaker 1: liberals operate only on emotion, and and that's what they
Speaker 1: think about conservatives. You know.
Speaker 4: There's the deal. We're all the same. We're all the same.
Speaker 1: And I don't mean in ideology, I mean in motivation, passion, beliefs.
Speaker 4: I mean we're all basically the same.
Speaker 1: We're all people, and then we have different bends and
Speaker 1: and look, I don't know why people have certain philosophies.
Speaker 1: Have you ever thought about that, like, why do people
Speaker 1: skew one way and other people skew another. I've always
Speaker 1: tried to figure that out.
Speaker 4: I don't know the answer. I really don't.
Speaker 1: It's kind of weird.
Speaker 14: Definitely, you know, right brain, left brain. You know, people
Speaker 14: that you know logically think through a problem and versus
Speaker 14: their inputs guide them.
Speaker 10: You know, you know, here's the deal, man, I don't
Speaker 10: think you can legislate feelings, emotions, social issues, you know.
Speaker 4: And but so they go after the guns.
Speaker 1: Do you know what I'm saying, if they were hard
Speaker 1: on crime, I think you would have a lot less
Speaker 1: crime if you were real. Now, there are crazy people
Speaker 1: that are going to be crazy no matter what. But
Speaker 1: certainly we're not hard enough on crime. We really really
Speaker 1: really aren't.
Speaker 4: We're just not anyway.
Speaker 14: Must people believe that, you know, the crime is not
Speaker 14: because of the individual, but because of the environment.
Speaker 1: I know, I know everybody is to blame. Everybody is
Speaker 1: to blame. Look, you know there could be a little bit,
Speaker 1: there could be a little bit environment. I think when
Speaker 1: I think when you sow seeds of division on young
Speaker 1: people like the rich are getting richer. Billionaires are evil.
Speaker 1: I mean, all Democrats do is talk about how evil
Speaker 1: billionaires are and how evil rich people are, and how
Speaker 1: evil's success is and how profit is bad, and how
Speaker 1: Blacks have it disadvantage or Mexicans or whatever. They seed
Speaker 1: divisions because you see, years ago it was it's a
Speaker 1: known fact that if you want to seize and hold power,
Speaker 1: you give people a problem and become their savior. And
Speaker 1: that's what, let's face it, I mean, honest to God,
Speaker 1: that's what democrats do. Now. I'm not saying there are
Speaker 1: no problems, but see these seeds of division and contention
Speaker 1: is their entire playbook. Their entire playbook is how you
Speaker 1: are being treated unfairly. The system is against you because
Speaker 1: of rich white people. I mean, can't you just sum
Speaker 1: that up? I gotta take this break. Thanks for calling
Speaker 1: and getting me pissed off.
Speaker 4: I'm just kidding.
Speaker 1: Three oh three seven to one three talks seven one
Speaker 1: three eight two five five Go with a sure thing
Speaker 1: Denver's best roofer Excel roofing dot com. You don't pay
Speaker 1: a cent until you're content. Time for an insurance check
Speaker 1: up free, no obligation. In comparison, call Compass insurance paying
Speaker 1: too much your coverage at dozens of insurance companies find
Speaker 1: out now three oh three seven to seven to one.
Speaker 1: Help you'll think you're his only customer when you choose
Speaker 1: Frank durand the real estate man dot com to list
Speaker 1: your home with Remax Alliance three oh three nine two
Speaker 1: zero sixteen twenty two. Hi Tom Martino, you're troubleshooter. But
Speaker 1: Peter's got a comment on this, this Senate bill for
Speaker 1: a gunban. I don't think it has a snowballs chance
Speaker 1: of passing, but you never know. Colorado, Colorado is actually
Speaker 1: more liberal than California ever was no excuse me, not
Speaker 1: ever was. But it's way more liberal. What's going on? Peter?
Speaker 14: Hi?
Speaker 20: Tom, thanks for taking my call. I researched this bill
Speaker 20: quite a bit. When I first found out about it.
Speaker 20: I found out about it from Warriors Gunshop anyways up
Speaker 20: there in Lama. But anyways, Bloomberg Corporation, you know, Bloomberg
Speaker 20: for Bloomberg is right, they're behind this, yes, sir, And
Speaker 20: they presented it to Colorado, and they obviously they donated
Speaker 20: money to I think his name is Johnson, who pushed
Speaker 20: it through. But Tom, they okay bill to a lot
Speaker 20: of states already. They pushed his bill on a lot
Speaker 20: of states, and I think they're using Colorado to see
Speaker 20: if it passes, and I'm feeling that it's gonna past. Now.
Speaker 20: There are two things wrong with this bill. One is
Speaker 20: they're going to require the gun manufacturers to old guns
Speaker 20: with out But that's a safety risk because if your
Speaker 20: gun jams, your first thing you do is remove your
Speaker 20: magazine to try and un jam it. And with the
Speaker 20: guns that they want to sell that that are not removable,
Speaker 20: the magazines, you're gonna see a lot of accidents. How
Speaker 20: are you gonna jam your you have a full loaded
Speaker 20: magazine in there, you can't. You can't pull it out.
Speaker 19: That's the first thing you do, is yeah.
Speaker 1: You know. First of all, here's what they did. They
Speaker 1: looked at all the guns they don't like and said,
Speaker 1: what do they have in common? And that's one of
Speaker 1: the things they had in common. You know. The other
Speaker 1: thing they could have banned everything with a trigger. Ha ha ha, Peter.
Speaker 20: You know I'm angry about it also, Tom, and I
Speaker 20: got a feeling with this.
Speaker 16: This this is gonna.
Speaker 20: Pass in Colorado. I got a serious I got a
Speaker 20: bad feeling about this.
Speaker 19: And it's gonna take.
Speaker 20: Like you said, it's gonna take lawsuits, you know, to
Speaker 20: try to stop it. But who knows, you.
Speaker 1: Know, what, uh, what's going on in Colorado? Do you
Speaker 1: think or were or did people move in? You know,
Speaker 1: when I first came here in eighty, it wasn't crazy
Speaker 1: and it wasn't super conservative, but it wasn't It was
Speaker 1: more it's skewed a little more conservative, and there were
Speaker 1: cowboys and ranchers and hard a lot of airline workers
Speaker 1: and finance people. What happened do you think to Colorado
Speaker 1: over the years? What do you think happened?
Speaker 19: I think, oh, it's a massive immigration of people coming
Speaker 19: here from all different states. I think the state went
Speaker 19: downhill when they legalized marijuana.
Speaker 13: Yeah, that that definitely pushed us over the edge. But
Speaker 13: you know, back to what Tom said about nineteen eighty,
Speaker 13: if I remember right, we even had a Democrat governor,
Speaker 13: Roy Romer, who was actually a good, normal, sane person.
Speaker 1: Well before him, we had Lamb and before him less
Speaker 1: see who was governor when I got here. I think
Speaker 1: lam Lamb.
Speaker 5: I think you're right? Or was it Roma and then Land?
Speaker 4: No, it definitely was not Roma first.
Speaker 5: Yeah, but both of those guys.
Speaker 1: Romer came from the school system.
Speaker 13: Yeah, they They were both good, normal, sane, you know,
Speaker 13: old style Democrats, and then as the state just kind
Speaker 13: of shifted left and left and left from the who's
Speaker 13: moving here?
Speaker 1: Lamb was actually pretty radical. He mean remember his statement,
Speaker 1: A duty, duty.
Speaker 5: To die, that's right, and then he never lived it down.
Speaker 1: And we had a lot of Republican lawmakers too strong
Speaker 1: in the day. Was that.
Speaker 13: The Olympics because it didn't and you remember why, because
Speaker 13: it did not make fiscal sense. The state would have
Speaker 13: dropped more money into preparing the Olympics than it would
Speaker 13: have made in revenue from it.
Speaker 1: Hey, Peter, you know, I love my state. It's been
Speaker 1: my home for fifty and a forty five years now.
Speaker 1: And I don't know, man, I don't know what's going
Speaker 1: on in life. People are just I think everyone is
Speaker 1: too extreme. What I mean by that is not willing
Speaker 1: to listen to others. I mean everyone, we all have that.
Speaker 1: And it would be silly to think that all one
Speaker 1: doctrine or another is one hundred percent correct. Now there
Speaker 1: are some more correct than others in our opinions. But
Speaker 1: what we really need to do, honest to God, we
Speaker 1: really need to use common sense. Whatever happened to that.
Speaker 1: Thanks Peter, and speaking of common sense, I just want
Speaker 1: to get this out. Wave eight, the number eight Wave
Speaker 1: eight Wealth Management was started by me for myself. I
Speaker 1: put together a team and by the way, this is
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Speaker 1: Tired because they aren't advisors. They collect money, they place
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Speaker 1: I promise you if you take a look at your
Speaker 1: financing finances and your investment management, your eyes are going
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Speaker 1: I want to tell you is this, your eyes will
Speaker 1: be opened no matter what, and that can't hurt you.
Speaker 1: If you are concerned at all about an investment account,
Speaker 1: or retirement money or anything, please text me directly right here.
Speaker 1: I'll respond to you. I'll also call you if you want,
Speaker 1: or just if you want. If you can also go
Speaker 1: to the website. It's Wave eight the number eight Wave
Speaker 1: Eightcapital dot com or tech me seven four seven nine
Speaker 1: fifty two eighty. That's my text right here, personal and
Speaker 1: I'll talk to you personally. I swear to you. When
Speaker 1: I made this public it opened up a great need
Speaker 1: because every damn talking to people who are having their
Speaker 1: eyes open. Okay, And you can also call directly to
Speaker 1: one of my colleagues three oh three seven seven one
Speaker 1: help seven seven one four three five seven. Make no mistake.
Speaker 1: This is my company, my passion, and my mission. We
Speaker 1: got more coming up. Go with a sure thing Denver's
Speaker 1: best roofer Excel Roofing dot com. You don't pay a
Speaker 1: cent until you're content. Time for an insurance check up free,
Speaker 1: no obligation. In comparison, call Compass Insurance paying too much
Speaker 1: your coverage at dozens of insurance companies find out now
Speaker 1: three oh three seven seven to one help. You'll think
Speaker 1: you're his only customer when you choose Frank durand the
Speaker 1: real estate Man dot com to list your home with
Speaker 1: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: Hi Tom Martine here three zero three seven on three
Speaker 1: talk seven one three eight two five five. So, man,
Speaker 1: We've been talking about a lot of stuff today and
Speaker 1: we were hoping to get Brian burns On from Compass
Speaker 1: Insurance Group. I have a number of questions here and
Speaker 1: part of the reason is because we have Excel Roofing
Speaker 1: and whenever we talk roofing, we talk insurance. But we
Speaker 1: learned a lot from Henry today with Excel Roofing, Henry
Speaker 1: working with his dad there, father and son team. And
Speaker 1: one of the things is this supplemental thing. When you're
Speaker 1: given an initial bid estimate contract. Roofers that are good
Speaker 1: like Excel, they try to give you everything up front
Speaker 1: and what could possibly be a supplement to be determined
Speaker 1: as far as costs, but they try to cover everything
Speaker 1: code upgrades. But there are going to be things that
Speaker 1: come up that they're going to have to call your
Speaker 1: insurance and get a supplemental claim. Additional money. Okay, a
Speaker 1: lot of homeowners for some reason feel when they get
Speaker 1: additional money and then the check sent to the homeowner.
Speaker 1: Many times the disconnect and the complaints come when the
Speaker 1: roofer puts in for those claims and then the money
Speaker 1: goes to the consumer and then the consumer has to
Speaker 1: write a check to the roofer and they say, well,
Speaker 1: that wasn't the original agreement, but the only reason they
Speaker 1: got that extra money was because of a supplemental claim.
Speaker 1: It wasn't because the insurance company just wanted him to
Speaker 1: have extra money. If the truth be known, if it's
Speaker 1: really done correctly, the initial claim is paid ACV and
Speaker 1: then replacement, but supplements are paid along the way, and
Speaker 1: the homeowner should net nothing but actually be under the
Speaker 1: deductible so or it should be out the deductible. So
Speaker 1: if they have a thousand dollars deductible two thousand and three, whatever,
Speaker 1: it is the end result in their bank account if
Speaker 1: they have a one thousand dollars deductible after all a
Speaker 1: said and done with original costs and supplementals.
Speaker 4: Should be minus deductible.
Speaker 1: Your balance should be minus one thousand dollars if you
Speaker 1: have a one thousand dollars deductible. But too many homeowners
Speaker 1: have come to believe, and I don't know where this
Speaker 1: came from, that they should profit from claims, they should
Speaker 1: have more than they pay out. But that's not really
Speaker 1: the way it is. You should actually even pay your deductible. Now,
Speaker 1: I'm going to tell you the reality. In many cases,
Speaker 1: when you get a public adjuster or you get a
Speaker 1: really good settlement, the insurance company just writes the check,
Speaker 1: and some people do end up with money leftover, especially
Speaker 1: with a public adjuster, when you have multiple items on
Speaker 1: your home that are claimed, you can probably get things
Speaker 1: done a little cheaper. You can probably you know, do
Speaker 1: things and cut a few corners, or not even fix
Speaker 1: something that you don't care about, and you can have
Speaker 1: money leftover. It's not designed to be that way, but
Speaker 1: it does happen. And you know what's amazing to me
Speaker 1: in this business, Excel Roofing, I think they're the only
Speaker 1: ones I know. They don't take a dime, not a
Speaker 1: penny up front. And I've often wondered, isn't that hard
Speaker 1: like to get paid? Because if you don't take a
Speaker 1: dime and they're getting all these checks from insurance for
Speaker 1: the initial claim and the supplements and all that at
Speaker 1: the end, I wondered, you know, it's really a risk,
Speaker 1: because Jay said, no, we don't take a dime. So
Speaker 1: I don't know, Henry, I'm not asking you to disc
Speaker 1: people or disc you know your customers, but is it
Speaker 1: ever difficult? Is it ever? Or do you do you
Speaker 1: or really I'm gonna I'm gonna give you a softball question,
Speaker 1: or do you guys do just a good job that
Speaker 1: you don't have these issues. And again that is a
Speaker 1: softball question, but but I'm serious, what's the issue?
Speaker 14: You know, Tom?
Speaker 8: The reality is is just there's some people that just.
Speaker 1: Don't want to pay.
Speaker 8: Yeah, and that'll happen occasionally. Sometimes we'll have a customer
Speaker 8: who just won't pay, and we deal with that on
Speaker 8: a case by case basis.
Speaker 1: But then they look for some of the lame as
Speaker 1: excuses and that mind.
Speaker 8: It might not even be something that's roofing related. It's
Speaker 8: something in their personal life or something like that. But
Speaker 8: it has such a benefit to the customer. It almost
Speaker 8: self ensures them that they're going to get the quality
Speaker 8: work that they deserve and what they're wanting. When they're
Speaker 8: paying other contractors all this money in advance, they really
Speaker 8: don't have that sure you know, that sure of feeling
Speaker 8: and that that peace of mind. And that's something that
Speaker 8: we can offer to people. And that's why we really
Speaker 8: stand behind that.
Speaker 1: All right, three zero three seven to one three talk
Speaker 1: seven one three eight two five five. You know, I
Speaker 1: just got a note here that said Aurora has so
Speaker 1: far towed three hundred cars since the crackdown. Three hundred cars.
Speaker 1: You need for a while, they were letting people go
Speaker 1: with expired license plates, with no license plates, with no registrations,
Speaker 1: with absolutely nothing. They were letting people just drive, get
Speaker 1: in a car and drive. But since this crackdown, and
Speaker 1: I don't know the reason for the crackdown, by the way,
Speaker 1: I don't know why it happened all of a sudden,
Speaker 1: but I know Mayor coff It was a Coffin, Mayor
Speaker 1: Coffin and Aurora is it Coffin?
Speaker 5: Mike Kaufman.
Speaker 4: Mike Coffin who turned very liberal lately.
Speaker 1: I mean he's been right on there with all his
Speaker 1: liberal buddies, you know, on on illegal immigration and all
Speaker 1: that denial, denial, denial, like denying news denial, news, denying
Speaker 1: that they had a problem with the Venezuelan gangs and
Speaker 1: all that.
Speaker 13: Blame his so called slumlords for the crime problems in
Speaker 13: that apartment company.
Speaker 1: Yes, I mean the whole thing was shameful. But what
Speaker 1: happened all of a sudden? Three hundred cars, Wow, three
Speaker 1: hundred cars. We haven't gotten one call from anyone, So
Speaker 1: what's on your mind today? We got more coming up
Speaker 1: on the Troubleshooter Show three oh three, seven to one,
Speaker 1: three eight two five five Go with a sure thing
Speaker 1: Denver's best roofer Excel roofing dot com. You don't pay
Speaker 1: a cent until you're content. Time for an insurance check
Speaker 1: up free, no obligation comparison call Compass Insurance Paying too
Speaker 1: much your coverage at dozens of insurance companies find out
Speaker 1: now three oh three seven seven to one help. You'll
Speaker 1: think you're his only customer when you choose Frank durand
Speaker 1: the real estate Man dot com to list your home
Speaker 1: with Remax Alliance three oh three nine two zero sixteen
Speaker 1: twenty two. Hi Tom Martino, you're troubleshooter. By the way,
Speaker 1: Excel roofing when they're not here, Excel ex cel Roofing
Speaker 1: dot com three o three seven sixty one sixty four hundred.
Speaker 1: Just good people. So millennials, you know how they are?
Speaker 1: Millennials range from twenty nine to forty four, next to
Speaker 1: baby boomers kind of also known as gen y. They're
Speaker 1: a pretty big segment. So where are they moving? Where
Speaker 1: do you think? What do you think the number one
Speaker 1: city is? They're moving to New York City. It's the
Speaker 1: number one meaning by percentage, but in general. Alexandria, Virginia, Cambridge, Massachusetts.
Speaker 1: And number three on the Nationalist Denver, Colorado. What is
Speaker 1: attracting people? Twenty nine to forty four? Then Sandy Springs, Georgia, Seattle, Washington, Sunnyville, California. Now,
Speaker 1: beyond a shadow of doubt, every single one of these
Speaker 1: skews liberal. So can we assume maybe, can we assume
Speaker 1: that millennials skew liberal? Go ahead?
Speaker 13: So, Tom, I disagree with that. Look how many young
Speaker 13: people voted for Trump this time around? He crushed the
Speaker 13: young vote.
Speaker 1: But did they vote for liberal for conservative or did
Speaker 1: they vote for just to change? I don't know. Actually,
Speaker 1: now here's some others. Listen to this. Seattle, Washington, Sunnyville, California,
Speaker 1: Santa Clara, California, Arlington, Virginia, Austin, Texas. Do you know Austin,
Speaker 1: by the way, is one of the liberals cities within Texas,
Speaker 1: of course, And then Orlando, Florida that I don't know
Speaker 1: what that is, Washington, d C Bellevue, Washington. These are
Speaker 1: the top twenty for millennials. Fargo, North North Dakota, Portland, Oregon, Minnesota,
Speaker 1: or Minneapolis, Durham, North Carolina, Atlanta, Georgia, Athens, Georgia, Savannah, Georgia,
Speaker 1: and then Lakewood, Colorado. Hey, it's been a pleasure today.
Speaker 1: Back here tomorrow. Don't forget referral list dot com for help,
Speaker 1: information and referrals, and call three O three Martino for
Speaker 1: help three O three six two seven eight four sixty
Speaker 1: six and save all your problems for me.