WEBVTT 1 00:00:05.559 --> 00:00:10.960 Rip need ads, so you don't have. 2 00:00:13.119 --> 00:00:13.880 Come running. 3 00:00:14.119 --> 00:00:18.760 Just as fast as we can. Shoot's gonna help come. 4 00:00:19.320 --> 00:00:26.440 Man, this is the Troubleshooter Show. No Tom Martino, Hey. 5 00:00:26.359 --> 00:00:30.000 Tom Martino here. Welcome to the only show of it's 6 00:00:30.039 --> 00:00:33.960 kind anywhere in the universe. I gotta get situated here. 7 00:00:34.119 --> 00:00:36.119 What's going on in your life? Man? I mean we 8 00:00:36.200 --> 00:00:38.880 had an inauguration, we had We have a lot of 9 00:00:38.880 --> 00:00:41.399 positive feelings, a lot of negative feelings. It depends on 10 00:00:41.679 --> 00:00:44.399 what side of the fence you're on. I welcome you 11 00:00:44.479 --> 00:00:46.399 to the only show of its kind anywhere, as I 12 00:00:46.479 --> 00:00:49.479 love to say, because we solve problems, we answer questions, 13 00:00:49.479 --> 00:00:52.799 we take complaints, we make life just a little easier 14 00:00:52.799 --> 00:00:54.840 if we can. And we take your calls. And I'm 15 00:00:54.840 --> 00:00:58.000 gonna go. Calls always have priority. Here. Jay Bretts is 16 00:00:58.039 --> 00:01:01.359 with me, by the way from excuse me not Jay. Uh, 17 00:01:01.719 --> 00:01:05.599 I'm sorry Henry, which is jaysn And Henry is running 18 00:01:05.599 --> 00:01:06.599 the company with his dad. 19 00:01:06.760 --> 00:01:09.920 I love seeing that, and uh, I don't know why. 20 00:01:11.359 --> 00:01:11.760 I don't know. 21 00:01:11.959 --> 00:01:14.480 I I uh, I'm still working though I'm working my 22 00:01:14.480 --> 00:01:14.879 ass off. 23 00:01:14.879 --> 00:01:18.120 Why is that? And Jay's going around the world having fun? 24 00:01:18.359 --> 00:01:21.200 Maybe anyway, Henry, Thanks for being here. We'll get to 25 00:01:21.239 --> 00:01:23.439 you in a minute. Here. Lydia, by the way, has 26 00:01:23.480 --> 00:01:25.439 a roofing issue, so we'll get right to Lydia. 27 00:01:25.480 --> 00:01:27.040 I want to remind people of a few things. 28 00:01:27.280 --> 00:01:29.159 The number to call at any time is three O 29 00:01:29.280 --> 00:01:31.760 three Martino now three O three. 30 00:01:31.640 --> 00:01:33.319 Six two seven eight four sixty six. 31 00:01:33.879 --> 00:01:36.680 You can call twenty four to seven that number and 32 00:01:36.760 --> 00:01:39.560 if you leave a number, we absolutely will get back 33 00:01:39.560 --> 00:01:41.920 to you. You can also reach out to us on 34 00:01:41.959 --> 00:01:44.640 all social media where you can find me either under 35 00:01:44.680 --> 00:01:49.400 Troubleshooter or Tom Martino or helps referral list. And then 36 00:01:49.439 --> 00:01:53.319 also you can also you can also get a hold 37 00:01:53.359 --> 00:01:56.040 of me at this number at the studio when we're 38 00:01:56.040 --> 00:01:57.640 on the air three oh three seven to one three 39 00:01:57.719 --> 00:02:01.480 talk seven one three eight two five. This hour brought 40 00:02:01.480 --> 00:02:04.519 to you by my man Paul Thewaterman waterpros dot Net. 41 00:02:05.719 --> 00:02:07.599 I've said this a lot, you know, I put a 42 00:02:07.640 --> 00:02:10.120 lot of stock on health and water is the number 43 00:02:10.120 --> 00:02:14.120 one substance we absorb and are get great water. 44 00:02:14.199 --> 00:02:14.520 Please. 45 00:02:15.039 --> 00:02:18.159 He has the best systems at the lowest prices, and 46 00:02:18.199 --> 00:02:21.560 I'm serious, you will never touch his prices with a plumber. 47 00:02:22.000 --> 00:02:27.400 He is low price and quality all systems right now, 48 00:02:27.719 --> 00:02:30.800 way way under like thirty six hundred. I believe for 49 00:02:30.960 --> 00:02:33.960 anything you need three three eight six two five five 50 00:02:34.080 --> 00:02:39.560 five four. So let's talk, Lydia. What's going on, Hi, Lydia, 51 00:02:39.719 --> 00:02:43.159 I'm talking Gino. Welcome to the show. What's going on, Lydia? 52 00:02:43.960 --> 00:02:49.120 Well, I have my mom. Hi, I'm kind of nervased. 53 00:02:49.319 --> 00:02:51.639 So I've never done anything like this. 54 00:02:53.199 --> 00:02:57.159 You're nervous for? What did she say? Nervous? 55 00:02:57.759 --> 00:02:58.360 Yeah? I did. 56 00:02:58.479 --> 00:03:00.360 Can you hear me? Okay? 57 00:03:00.759 --> 00:03:02.319 I can hear you fine, Lydia. 58 00:03:02.360 --> 00:03:03.000 Can you hear me? 59 00:03:03.840 --> 00:03:04.120 Yeah? 60 00:03:04.240 --> 00:03:06.919 I'm I live out middle of nowhere, so i get 61 00:03:07.520 --> 00:03:08.680 really bad reception. 62 00:03:09.639 --> 00:03:13.599 So your mom having an issue with a roofer, yeah. 63 00:03:13.280 --> 00:03:18.039 And I am her durable power of attorney, so I've 64 00:03:18.199 --> 00:03:22.120 had to deal with these guys. And they did her 65 00:03:22.199 --> 00:03:27.360 roof and Aurora and then they did three roofs out 66 00:03:27.400 --> 00:03:30.719 in Sugar City, which is like near Rocky Ford and 67 00:03:30.759 --> 00:03:31.919 it was supposed. 68 00:03:31.520 --> 00:03:33.960 To be out. Does your mom own all these homes? 69 00:03:34.800 --> 00:03:39.000 Yes, she owns both the homes. One home where I 70 00:03:39.080 --> 00:03:44.159 live has actually four roofs they did. It's a big property. 71 00:03:44.240 --> 00:03:45.400 It's like a little. 72 00:03:45.199 --> 00:03:48.479 Okay, So let me get this straight. So basically, rather 73 00:03:48.479 --> 00:03:53.159 than say homes. Mom owns two homes, but a total 74 00:03:53.199 --> 00:03:54.439 of what five roofs? 75 00:03:55.639 --> 00:03:58.240 Yes, I've been a total of five roofs. 76 00:03:58.319 --> 00:04:01.080 Yes, sir. Okay, now here's what I need to know. 77 00:04:01.120 --> 00:04:03.680 I'm going to ask you some simple questions. What's the 78 00:04:03.759 --> 00:04:04.520 name of the company. 79 00:04:06.439 --> 00:04:11.120 Well, but when they worked in Aurora on the one house, 80 00:04:11.639 --> 00:04:14.759 they went under the name of stone Ridge Roofing. 81 00:04:16.399 --> 00:04:19.560 And how did she find them? 82 00:04:20.120 --> 00:04:24.360 I found them because when I was out here, my 83 00:04:24.839 --> 00:04:29.680 vet was getting her roof done. And she's really a 84 00:04:29.720 --> 00:04:31.879 smart she would know now. 85 00:04:32.240 --> 00:04:35.800 And then what you said in Aurora they were stone Ridge, 86 00:04:36.240 --> 00:04:38.079 and what were they somewhere else? 87 00:04:38.720 --> 00:04:43.160 And then over here in it's Sugar City, but it's 88 00:04:44.160 --> 00:04:47.120 to be La Junta, a rocky Ford area. They go, 89 00:04:47.199 --> 00:04:51.040 it's Cornerstone Roofing and they are they the same people? 90 00:04:51.879 --> 00:04:53.240 Are they the same people? 91 00:04:54.000 --> 00:04:55.399 Yes? 92 00:04:56.319 --> 00:05:02.600 Okay, Now, now here's I need to know the problem? 93 00:05:03.600 --> 00:05:08.279 Okay, Well, the problem with the home and Aurora is 94 00:05:08.839 --> 00:05:13.399 she had the solar panels from like the seventies. They 95 00:05:13.399 --> 00:05:19.240 look like pick coffins and they come new flat ones 96 00:05:20.000 --> 00:05:24.439 and they they put heat into the house, so they 97 00:05:25.839 --> 00:05:28.800 they're they're a little well, they're a lot from like 98 00:05:28.879 --> 00:05:33.079 what you see now, and they had gotten damaged in 99 00:05:33.360 --> 00:05:37.240 the big storm in I think it was May of 100 00:05:37.360 --> 00:05:40.800 twenty three. It was a huge storm in Aurora, and 101 00:05:42.319 --> 00:05:44.480 I don't live there, and she was living with me 102 00:05:44.600 --> 00:05:47.800 out here, you know, really far away from Aurora. 103 00:05:47.560 --> 00:05:48.759 Radia and Lydia. 104 00:05:49.399 --> 00:05:50.759 Let me do it another way, Lydia. 105 00:05:51.319 --> 00:05:53.240 Okay, well so they let's take one house. 106 00:05:53.120 --> 00:05:56.920 At a time, now, Lydia, Lydia, let's please Stone. 107 00:05:56.720 --> 00:05:58.040 Ridge Roofing in Aurora. 108 00:05:58.120 --> 00:06:00.480 Okay, yes, you hired them to do a roof Is 109 00:06:00.480 --> 00:06:04.720 that the one that had solar on it? Yes? Okay, 110 00:06:05.040 --> 00:06:08.920 what did now? Normally roofers, Henry correct me if I'm wrong. 111 00:06:09.560 --> 00:06:14.000 Normally roofers, what do they do when it comes to 112 00:06:14.040 --> 00:06:16.279 solar Do you hire a solar contractor or do you 113 00:06:16.360 --> 00:06:17.360 do it? Yeah? 114 00:06:17.439 --> 00:06:20.439 So the the main thing that roofing contractors do is 115 00:06:20.480 --> 00:06:24.360 partner with a solar company and do detach and reset 116 00:06:24.360 --> 00:06:26.839 and so that's a d NRKA And then also, I mean, 117 00:06:26.920 --> 00:06:29.399 like us, we have a company that worked with it 118 00:06:29.519 --> 00:06:32.000 very closely to do solar installs and. 119 00:06:31.959 --> 00:06:35.319 So it's usually not done in the house. Okay, so yeah, 120 00:06:35.360 --> 00:06:38.879 did they damage the solar panels? Is that what you're 121 00:06:38.879 --> 00:06:42.839 calling about let's just concentrate on on Aurora right now. 122 00:06:43.560 --> 00:06:47.639 Yeah, so they heat. So I said, when you come 123 00:06:47.720 --> 00:06:52.079 to do the roof, are the roof and Aura tay? 124 00:06:52.160 --> 00:06:55.160 You know they're gonna take down the do the reset, 125 00:06:55.240 --> 00:06:58.079 you know, take off and put back on. And so 126 00:06:58.160 --> 00:07:01.120 I asked them to take you know, when they let 127 00:07:01.160 --> 00:07:03.160 me know so I can come look at them to 128 00:07:03.199 --> 00:07:08.079 see if it's worse, because they're from like nineteen seventy seven, 129 00:07:08.240 --> 00:07:09.319 but they still will. 130 00:07:09.519 --> 00:07:11.959 Well was she using the solar system? Was she using 131 00:07:12.000 --> 00:07:12.839 the solar system? 132 00:07:13.519 --> 00:07:17.600 Yeah? So they did not call me, so I wasn't 133 00:07:17.639 --> 00:07:20.120 able to look at them because these things are huge, 134 00:07:20.680 --> 00:07:22.120 I mean, and I'm only fight. 135 00:07:22.279 --> 00:07:23.920 Well, what were you going to do, Lydia? Were you 136 00:07:24.000 --> 00:07:26.759 thinking about let me just ask. I don't understand. What 137 00:07:26.959 --> 00:07:29.560 were you thinking about getting rid of sol? Just wait 138 00:07:29.600 --> 00:07:32.079 for the question. Were you thinking about getting rid of 139 00:07:32.160 --> 00:07:35.680 the solar or upgrading the panels? What was your thinking 140 00:07:36.120 --> 00:07:38.120 when you said you wanted them to check with you? 141 00:07:39.040 --> 00:07:41.360 Yeah, I wanted them when they took them off, so 142 00:07:41.399 --> 00:07:43.639 I could look at them to make that decision where 143 00:07:43.639 --> 00:07:45.399 they were as fixteing okay. 144 00:07:45.519 --> 00:07:50.560 Or and instead and instead and instead they went ahead 145 00:07:51.079 --> 00:07:52.759 and just put them back on the roof. 146 00:07:53.079 --> 00:07:56.040 No, no, they took them off. They didn't tell me. 147 00:07:56.160 --> 00:07:59.399 They came to the house and they were sitting out 148 00:08:00.160 --> 00:08:04.600 on the lawn. So now I have these huge solar 149 00:08:04.680 --> 00:08:06.079 panels that. 150 00:08:06.639 --> 00:08:10.040 They got paid to you know, put on detached or 151 00:08:10.079 --> 00:08:12.639 whatever you call it, or to get rid of, because 152 00:08:12.680 --> 00:08:16.120 you know, they had the big thing where they shove 153 00:08:16.160 --> 00:08:19.399 all the moving materials off. So now I'm stuck with them. 154 00:08:20.639 --> 00:08:25.160 And and and then they also did didn't do a 155 00:08:25.240 --> 00:08:28.199 few other things that had to do more with society. 156 00:08:28.319 --> 00:08:30.639 Okay, here's what I need to know, Lydia, here's what 157 00:08:30.680 --> 00:08:33.399 I need to know. They finished the roof and aurora 158 00:08:34.000 --> 00:08:37.519 and left the solar panels on the lawn. Is that correct? Yes? 159 00:08:38.360 --> 00:08:41.440 And they did so I couldn't even know. 160 00:08:41.519 --> 00:08:43.600 I don't care about them telling you they came. I 161 00:08:43.679 --> 00:08:46.960 really don't care about that. They finished the roof, that's yeah, 162 00:08:47.000 --> 00:08:51.759 that's good, But they did not reinstall the solar The 163 00:08:51.919 --> 00:08:56.120 question is why didn't they reinstall solar? 164 00:08:58.639 --> 00:09:03.480 I that because I got the roofer, won't even I 165 00:09:03.519 --> 00:09:07.519 asked him to discuss this and he's just like, well, 166 00:09:07.519 --> 00:09:08.600 we didn't put them back on. 167 00:09:08.759 --> 00:09:12.960 Okay, did the contract. Did the contract say they were 168 00:09:13.000 --> 00:09:14.240 going to reinstall? 169 00:09:16.720 --> 00:09:19.360 Yeah, he kind of worded it like that. 170 00:09:20.200 --> 00:09:22.799 Okay, here's what I want to do. Listen, Lydia, hang on, 171 00:09:23.039 --> 00:09:24.840 I gotta look at the contract. You got to send 172 00:09:24.879 --> 00:09:27.120 it to us, because really I need to know what 173 00:09:27.159 --> 00:09:29.519 they did wrong and what they did not do according 174 00:09:29.519 --> 00:09:32.879 to the contract. Hang on, uh, Kashina, Let's try to 175 00:09:32.879 --> 00:09:35.559 get this. Who's in the studio today, do we have anybody? 176 00:09:36.360 --> 00:09:36.600 We have? 177 00:09:36.759 --> 00:09:41.840 Dollar? Okay, dollar, get a copy of this contract or 178 00:09:41.879 --> 00:09:44.200 two or however many she has and go over it. 179 00:09:44.240 --> 00:09:46.919 I'm Tom Martinez. We're gonna come right back to this. 180 00:09:46.919 --> 00:09:49.080 This is important. We're going to help her. But what 181 00:09:49.120 --> 00:09:50.679 you really need to do is we need to look 182 00:09:50.720 --> 00:09:53.759 at the contract. What was the solar situation? It should 183 00:09:53.759 --> 00:09:55.919 have been spelled out in the contract. By the way, 184 00:09:55.960 --> 00:09:59.000 eight eight eight heating dot Com has high efficiency units 185 00:09:59.000 --> 00:10:00.919 at the best prices in it where they guarantee you 186 00:10:00.960 --> 00:10:03.600 put them to the test high efficiency, saving you thirty 187 00:10:03.679 --> 00:10:05.879 forty percent a month three oh three seven seven zero 188 00:10:06.159 --> 00:10:14.360 two seven seven six. Go with a sure thing Denver's 189 00:10:14.399 --> 00:10:17.279 best roofer Excel Roofing dot Com. You don't pay a 190 00:10:17.399 --> 00:10:23.879 cent until you're content. Time for an insurance check up free, 191 00:10:23.919 --> 00:10:28.000 no obligation comparison call Compass Insurance paying too much your 192 00:10:28.000 --> 00:10:30.960 coverage at dozens of insurance companies find out now three 193 00:10:31.039 --> 00:10:33.639 oh three seven seven one help. You'll think you're his 194 00:10:33.799 --> 00:10:36.440 only customer when you choose Frank durand the real estate 195 00:10:36.480 --> 00:10:39.720 man dot com to list your home with Remax Alliance 196 00:10:39.960 --> 00:10:47.120 three oh three nine two zero sixteen twenty two. Hey 197 00:10:47.200 --> 00:10:50.759 Tom Martino here, three oh three seven one three talk 198 00:10:50.799 --> 00:10:54.600 three oh three seven one three eight two five five Maynard, 199 00:10:55.720 --> 00:10:58.039 Welcome to the show, Maynard, what's happening? 200 00:11:00.360 --> 00:11:04.559 We had Lifetime roof and Solar come out. Give us 201 00:11:04.600 --> 00:11:06.600 an estimate. It was a little over twenty. 202 00:11:06.360 --> 00:11:08.840 Seven Now was this for solar or for roofing? 203 00:11:09.559 --> 00:11:11.080 Mainly roofing? 204 00:11:11.759 --> 00:11:15.360 Oh, so this is mainly I'm sorry, Okay, maybe we 205 00:11:15.399 --> 00:11:18.320 don't need my solar expert. I thought you were calling, 206 00:11:18.480 --> 00:11:24.200 but they did. They're called Lifetime. Yeah, okay, go ahead, okay, 207 00:11:24.320 --> 00:11:25.480 so go ahead, Estima. 208 00:11:25.519 --> 00:11:31.000 It was a little over twenty seven thousand dollars, so okay. 209 00:11:30.679 --> 00:11:33.919 So this is for the roof. Yeah, and how did 210 00:11:33.919 --> 00:11:35.480 you find out about Lifetime? 211 00:11:37.600 --> 00:11:41.559 I think I saw it online and on this okay, 212 00:11:42.960 --> 00:11:49.159 all right, So they completed the roof did the supplemental? 213 00:11:50.960 --> 00:11:55.440 Travelers Insurance, who we have sent them a check that 214 00:11:55.639 --> 00:11:58.960 had my wife and I's name both on the check, 215 00:12:00.000 --> 00:12:03.759 which we were supposed to endorse. They went in and 216 00:12:03.840 --> 00:12:10.759 cash it. Didn't even get our signature. So now they're 217 00:12:10.840 --> 00:12:15.639 saying wasn't enough. Now the bill is over thirty five 218 00:12:15.799 --> 00:12:23.960 thousand dollars. We were not informed of any additional expense. 219 00:12:24.840 --> 00:12:26.960 Did they deposit the check directly? 220 00:12:27.960 --> 00:12:32.879 I guess, Like I said, Travelers sent it to Lifetime 221 00:12:34.120 --> 00:12:36.559 and they cashed it. We didn't know anything about it. 222 00:12:39.639 --> 00:12:43.919 Well, they deposited it probably, okay, okay, all right. So 223 00:12:44.279 --> 00:12:46.919 here's the thing. That part's not as serious as you 224 00:12:47.000 --> 00:12:51.320 might think. The serious part is this with a lot 225 00:12:51.320 --> 00:12:53.919 of roof claims. And Henry can chime in, Henry Brett's 226 00:12:53.919 --> 00:12:56.639 with excel roofing my expert today with a lot of 227 00:12:56.720 --> 00:12:57.440 roof claims. 228 00:12:58.399 --> 00:12:59.720 Let me get this straight, Henry. 229 00:13:00.480 --> 00:13:04.600 There is the initial claim and then sometimes you have 230 00:13:05.960 --> 00:13:06.759 a supplemental. 231 00:13:07.399 --> 00:13:09.080 Explain how supplementals work. 232 00:13:09.240 --> 00:13:12.200 Yeah, exactly, So, just like you said, Tom, usually the 233 00:13:12.240 --> 00:13:15.279 insurance will pay out that first amount, and then where 234 00:13:15.320 --> 00:13:17.399 the industry is going is they just want. 235 00:13:17.200 --> 00:13:18.799 To pay as little as possible. 236 00:13:19.120 --> 00:13:21.039 So what we have to do is go prove to 237 00:13:21.039 --> 00:13:24.440 them according to building codes where required ice and water shield, 238 00:13:24.480 --> 00:13:25.480 these different materials. 239 00:13:25.600 --> 00:13:28.720 So you do supplemental claims, yes, are they done with 240 00:13:28.799 --> 00:13:31.919 the knowledge of the homeowner or directly with the insurance. 241 00:13:31.480 --> 00:13:34.679 So it should be absolutely with the knowledge of the homeowner. 242 00:13:34.720 --> 00:13:36.360 And the way that we do it is we aim 243 00:13:36.440 --> 00:13:39.039 to get all the supplementing done in advance, and so 244 00:13:39.080 --> 00:13:42.200 we get that stuff approved. And sometimes the insurance companies 245 00:13:42.240 --> 00:13:44.480 they'll be super difficult to work with. They'll want stuff 246 00:13:44.519 --> 00:13:46.879 done on the backside of the claim. But it's really 247 00:13:46.919 --> 00:13:48.879 important to communicate that to the customer. 248 00:13:49.000 --> 00:13:52.720 Now, Maynard, how much was the check that they deposit? 249 00:13:53.120 --> 00:13:54.879 Did it the initial check? 250 00:13:55.399 --> 00:13:59.320 It was ten thousand something that I sent all the paperwork. 251 00:13:59.360 --> 00:14:02.879 V I know, but you see the audience doesn't have 252 00:14:02.879 --> 00:14:05.679 the paperwork, so you got to humor me. So right, 253 00:14:05.919 --> 00:14:08.440 what was the original contracted amount? 254 00:14:09.159 --> 00:14:12.960 Twenty seven thousand and five something. I believe, Tom, I 255 00:14:13.000 --> 00:14:14.639 don't have the paperwork in front of me. 256 00:14:14.960 --> 00:14:19.120 That's okay, that's okay. It's roughly about twenty seven to 257 00:14:19.159 --> 00:14:23.879 five estimate. And then they got paid ten grand to 258 00:14:23.960 --> 00:14:24.559 begin with. 259 00:14:25.480 --> 00:14:29.080 I paid them fourteen thousand dollars to start the job. 260 00:14:30.000 --> 00:14:32.159 Now, hold on a second, where'd you get the fourteen 261 00:14:32.240 --> 00:14:33.679 to pay them? 262 00:14:34.200 --> 00:14:35.879 We had some money in. 263 00:14:35.720 --> 00:14:39.600 The bank, so you did not use insurance money. You 264 00:14:39.600 --> 00:14:40.440 pay them upfront. 265 00:14:41.399 --> 00:14:46.080 No, that's right. The insurance company initially sent me a 266 00:14:46.159 --> 00:14:49.080 check and I used fourteen thousand of that. 267 00:14:49.639 --> 00:14:55.279 Okay, Maynard. I need to know exact Maynard. How much 268 00:14:56.320 --> 00:15:00.000 did the insurance company send you. 269 00:15:00.759 --> 00:15:03.879 I don't recall. I think it was around well, what 270 00:15:04.039 --> 00:15:06.840 twenty four thousand dollars? 271 00:15:08.559 --> 00:15:12.919 Okay? Now they sent you twenty four thousand, and you 272 00:15:13.000 --> 00:15:17.679 paid lifetime roofing and solar upfront. 273 00:15:19.559 --> 00:15:21.039 Fourteen all right. 274 00:15:21.720 --> 00:15:29.360 Got it? So that left you with about ten grand left? Yes, okay, 275 00:15:29.440 --> 00:15:39.519 hold on now now okay, they did the roof right, yes, okay. 276 00:15:40.679 --> 00:15:46.679 Then they did his roof and the estimate was twenty seven. 277 00:15:47.519 --> 00:15:56.200 So if you paid fourteen, you owed them another roughly thirteen, right, yes, okay. 278 00:15:56.519 --> 00:15:59.919 Now they got a check for ten, is that right? 279 00:16:00.639 --> 00:16:01.360 That's correct? 280 00:16:02.799 --> 00:16:06.919 Okay. And they got a second check okay, a second 281 00:16:06.960 --> 00:16:14.000 payment directly from Travelers okay, okay, now, and that was 282 00:16:14.039 --> 00:16:24.000 for ten. So now they've been paid twenty four thousand, right, okay, Now, 283 00:16:25.320 --> 00:16:29.840 so far they're not overpaid. And now tell me after 284 00:16:29.879 --> 00:16:39.440 they got paid twenty four thousand. Okay, what and you have, 285 00:16:39.639 --> 00:16:42.360 by the way, in your pocket ten grand. You still 286 00:16:42.360 --> 00:16:45.559 have ten grand to the good, So tell me how 287 00:16:45.639 --> 00:16:49.720 much they're billing you after they've gotten paid twenty four. 288 00:16:50.320 --> 00:16:55.360 Thirty five and change an extra thirty five? 289 00:16:57.879 --> 00:16:59.120 No, is that right? 290 00:16:59.440 --> 00:17:01.720 Thirty five thousand total? 291 00:17:02.120 --> 00:17:04.920 So they say, I okay, hold on, hold on, bro 292 00:17:05.240 --> 00:17:09.599 hold on. Then the math is working out almost perfect, Maynard. 293 00:17:10.079 --> 00:17:13.319 You have ten grand which should go to them by 294 00:17:13.359 --> 00:17:17.319 the numbers, and you you know, and then you have 295 00:17:17.400 --> 00:17:21.599 a deductible. So it sounds to me like they're asking 296 00:17:22.519 --> 00:17:23.839 for what they should be paid. 297 00:17:24.279 --> 00:17:25.799 What do I have wrong? 298 00:17:27.559 --> 00:17:33.240 I'm wondering why it's an extra seventy four hundred dollars. 299 00:17:34.160 --> 00:17:39.880 Because of supplements that is very common in the industry. 300 00:17:39.880 --> 00:17:41.720 Were you hoping to make money on this or what? 301 00:17:41.920 --> 00:17:42.279 Maynard. 302 00:17:42.319 --> 00:17:44.200 I'm not trying to be a smart ass. I'm asking 303 00:17:44.240 --> 00:17:47.720 straight up, what was Maynard? Did you want money left over? 304 00:17:47.799 --> 00:17:49.000 Tell me what's on your mind. 305 00:17:50.000 --> 00:17:53.640 I just want to know why I'm liable for an 306 00:17:53.680 --> 00:17:57.920 extra seventy five hundred dollars when I was never approached 307 00:17:58.000 --> 00:18:00.000 of the extra expense. 308 00:17:59.640 --> 00:18:03.400 Because because if they if they truly had an extra 309 00:18:03.480 --> 00:18:07.400 seventy five hundred damages to your roof, you are responsible. 310 00:18:07.759 --> 00:18:09.319 Henry, What did you want to say about this? 311 00:18:09.640 --> 00:18:11.400 Yeah, I'm just I want to jump in and just 312 00:18:11.640 --> 00:18:14.480 make it really clear that the insurance company should be 313 00:18:14.559 --> 00:18:16.759 covering all of those additional supplements. 314 00:18:16.759 --> 00:18:18.880 Well, of course they did. I mean, he's not out 315 00:18:18.880 --> 00:18:21.200 any money. Well he should be concerned about is really 316 00:18:21.279 --> 00:18:22.279 just his deductible. 317 00:18:22.599 --> 00:18:25.400 And it sounds like they failed to really communicate this 318 00:18:25.480 --> 00:18:25.880 all to him. 319 00:18:26.000 --> 00:18:28.680 Of course they did. Maybe it was for communication, but 320 00:18:28.759 --> 00:18:30.559 I mean, if you look at the numbers, he got 321 00:18:30.599 --> 00:18:33.440 twenty four paid out, fourteen, he had ten in his pocket, 322 00:18:33.759 --> 00:18:37.119 then they paid him another ten. This company wants out 323 00:18:37.119 --> 00:18:39.680 of that ten he's holding, They want another seventy five 324 00:18:39.759 --> 00:18:42.200 hundred or something. Whatever they want. They're owed that through 325 00:18:42.200 --> 00:18:45.160 a supplement. If they went on his roof, he owes it. 326 00:18:45.519 --> 00:18:48.000 If it gets approved or not by the insurance, well 327 00:18:48.079 --> 00:18:49.319 sometimes they'll deny it. 328 00:18:49.480 --> 00:18:53.720 The money is already there, Henry, They've already paid it. Listen. 329 00:18:54.000 --> 00:18:54.319 Listen. 330 00:18:54.440 --> 00:18:57.920 They paid twenty four, they paid ten, they paid thirty four, 331 00:18:58.200 --> 00:19:00.759 and so far he's only paid that I'm twenty four. 332 00:19:01.720 --> 00:19:04.839 I mean the numbers are there. He's saying. I don't 333 00:19:04.839 --> 00:19:06.799 want to pay that extra money. I want to keep 334 00:19:06.839 --> 00:19:09.599 the ten grand. That that that's really what he's saying. 335 00:19:10.039 --> 00:19:12.799 I mean, they wouldn't have sent the money if they 336 00:19:12.839 --> 00:19:17.960 didn't approve it. I just don't. I don't get the complaint, Maynard, 337 00:19:18.079 --> 00:19:20.000 And for that reason, I can't help you. I'm Tom 338 00:19:20.000 --> 00:19:22.680 Martin three oh three seven one three eight two five five. 339 00:19:27.119 --> 00:19:30.400 Go with a sure thing Denver's Best roofer Excel Roofing 340 00:19:30.480 --> 00:19:33.279 dot com. You don't pay a cent until you're contenth 341 00:19:36.480 --> 00:19:39.680 time for an insurance checkup free, no obligation. In comparison, 342 00:19:39.799 --> 00:19:43.359 call Compass Insurance paying too much your coverage at dozens 343 00:19:43.400 --> 00:19:46.119 of insurance companies find out now three oh three seven 344 00:19:46.119 --> 00:19:48.480 to seven to one help. You'll think you're his only 345 00:19:48.559 --> 00:19:51.039 customer when you choose Frank Durand the real estate Man 346 00:19:51.079 --> 00:19:54.480 dot com to list your home with Remax Alliance three 347 00:19:54.559 --> 00:19:59.960 oh three nine two zero sixteen twenty two. Hey Tom Martine, 348 00:20:00.039 --> 00:20:02.240 you know here three all three seven one three talk 349 00:20:03.960 --> 00:20:07.960 Remember KINH Home Solutions, people said, Tom. The website's khwindows 350 00:20:07.960 --> 00:20:11.200 dot com. Yes it is, But they're KNH Home Solutions 351 00:20:11.720 --> 00:20:15.559 and they do gutters and uh and siding and windows 352 00:20:15.559 --> 00:20:18.799 and doors and you know, everything on the outside. Okay, 353 00:20:18.920 --> 00:20:20.799 just wanted to let you know that because somebody asked, 354 00:20:20.839 --> 00:20:25.599 three three four, let's talk to woo. Let's see who 355 00:20:25.640 --> 00:20:32.559 I'm talking to now. Sorry, okay, so it's your turn, Nicks? 356 00:20:32.759 --> 00:20:33.880 Is that how I pronounce it? 357 00:20:34.000 --> 00:20:34.319 Nicks? 358 00:20:36.880 --> 00:20:39.440 Yes, Hi, Nix. 359 00:20:39.519 --> 00:20:40.240 What's happening? 360 00:20:41.640 --> 00:20:46.480 Oh? A few years ago, I moved into a friend's house, 361 00:20:46.680 --> 00:20:52.839 and basically I had learned that the brand that I 362 00:20:52.920 --> 00:20:56.839 was giving him was no longer being used for paying bills, 363 00:20:56.880 --> 00:21:02.200 and I decided to know longer give him rent money, 364 00:21:02.799 --> 00:21:07.799 and we agreed upon working around his home to pay 365 00:21:07.839 --> 00:21:09.319 for living there. 366 00:21:09.920 --> 00:21:14.240 And okay, so hold on, so Nicks, Nick, Nicks, Nicks, 367 00:21:14.240 --> 00:21:16.440 hold on, I just gotta I just want to make 368 00:21:16.480 --> 00:21:16.880 a comment. 369 00:21:17.240 --> 00:21:19.960 So you had an arrangement where you were paying rent. 370 00:21:20.000 --> 00:21:20.680 How much. 371 00:21:22.200 --> 00:21:24.480 It was two hundred dollars a month for living in 372 00:21:24.480 --> 00:21:26.279 a room? 373 00:21:26.640 --> 00:21:28.480 Okay for a room? Okay. 374 00:21:28.839 --> 00:21:37.400 Now, then you both decided that wasn't working out, correct, Okay. 375 00:21:37.519 --> 00:21:40.319 And because it doesn't matter what he was using the 376 00:21:40.319 --> 00:21:42.720 money for, he could buy anything he wants with the money, 377 00:21:42.960 --> 00:21:46.240 but for some reason it bothered you that he was 378 00:21:46.359 --> 00:21:47.839 using the money for something else. 379 00:21:49.200 --> 00:21:51.599 He basically I learned that he was no longer that 380 00:21:51.720 --> 00:21:55.519 he was not paying the utilities that I was paying for. 381 00:21:55.680 --> 00:21:58.720 Well wait a minute, so is he is he the 382 00:21:58.759 --> 00:22:01.160 owner of the home or just he rented as well? 383 00:22:02.279 --> 00:22:03.160 He's the honor. 384 00:22:04.799 --> 00:22:06.920 Okay, And it doesn't matter what he was doing with 385 00:22:06.920 --> 00:22:08.160 the money. Again, but you. 386 00:22:08.200 --> 00:22:12.319 Decided then that both of you or both of you decided. 387 00:22:11.839 --> 00:22:16.960 What that I would work around the home to pay 388 00:22:17.000 --> 00:22:18.079 for my stay there? 389 00:22:18.960 --> 00:22:20.799 We were instead of cash. 390 00:22:21.920 --> 00:22:26.720 Yes, okay? And what and he thought that would be better? 391 00:22:29.480 --> 00:22:31.640 Basically, yes, we both thought that would be better. 392 00:22:31.839 --> 00:22:33.480 And what kind of work would you do. 393 00:22:35.960 --> 00:22:39.079 Cleaning up around the property. He's got quite a bit 394 00:22:39.119 --> 00:22:43.880 of stuff around here, and to help maintenance the property. 395 00:22:43.920 --> 00:22:47.079 Okay, sure, well you can make any arrangement you want. 396 00:22:47.200 --> 00:22:48.480 So what went wrong after that? 397 00:22:51.920 --> 00:22:52.200 Well? 398 00:22:53.160 --> 00:22:56.880 He basically the biggest problem that I'm having right now 399 00:22:57.119 --> 00:23:02.319 is he did not pay utilities for a long time 400 00:23:02.680 --> 00:23:04.039 and the utilities had been well. 401 00:23:04.039 --> 00:23:06.279 Se is he living in the house, Knicks? Does he 402 00:23:06.319 --> 00:23:07.279 live in the house Knicks? 403 00:23:08.279 --> 00:23:08.680 Yes? 404 00:23:08.880 --> 00:23:10.640 Okay, when did you first move in? 405 00:23:12.200 --> 00:23:13.200 About three years ago? 406 00:23:14.799 --> 00:23:17.920 Oh wow. Okay, so this has been going on for 407 00:23:17.960 --> 00:23:22.079 a while, and then how long? When did you stop 408 00:23:22.119 --> 00:23:24.079 paying rent? 409 00:23:24.759 --> 00:23:30.039 Within the first year of me staying here? Okay, okay, 410 00:23:30.200 --> 00:23:32.920 the entire time I've lived here, he has not paid utilities. 411 00:23:33.039 --> 00:23:35.319 His brother was paying utilities for a while and then 412 00:23:35.359 --> 00:23:36.680 his brother decided to stop. 413 00:23:38.200 --> 00:23:40.640 Okay, I get it. So now how are you being 414 00:23:40.720 --> 00:23:42.160 You're still in the house, is that right? 415 00:23:43.279 --> 00:23:43.599 Yes? 416 00:23:45.079 --> 00:23:46.799 How are you being affected by this name? 417 00:23:48.319 --> 00:23:48.720 I'm sorry? 418 00:23:48.759 --> 00:23:52.720 What now you're when you say we are being evicted? 419 00:23:53.039 --> 00:23:56.240 Do you live there with someone else? Yes? 420 00:23:56.279 --> 00:23:58.720 I do. Now my boyfriend moved in about two years ago. 421 00:24:00.680 --> 00:24:07.640 Okay, okay, now, okay, So here's what I want to know. 422 00:24:08.200 --> 00:24:10.920 You're being evicted by the guy that. 423 00:24:10.920 --> 00:24:11.920 Never paid his bills? 424 00:24:12.000 --> 00:24:20.279 Right, correct? Is he doing the eviction properly? Well? First 425 00:24:20.279 --> 00:24:24.079 of all, Nicks, I know this sounds Nicks. This sounds strange. 426 00:24:24.440 --> 00:24:26.279 And what's your boyfriend's name? First name? 427 00:24:29.000 --> 00:24:30.720 I'm gonna call him Lee? 428 00:24:31.480 --> 00:24:36.279 Okay, Okay, so Nick, this okay, Nick, Nix and Lee. 429 00:24:37.480 --> 00:24:38.519 Let me explain something. 430 00:24:40.720 --> 00:24:44.440 It's none of your business if he pays his bills 431 00:24:45.039 --> 00:24:47.960 or does anything at all, none of your business. The 432 00:24:48.039 --> 00:24:51.559 only thing that is your business is this While you're 433 00:24:51.599 --> 00:24:58.000 paying rent, agreed upon rent, you should have use of 434 00:24:58.039 --> 00:24:59.799 the property you're renting. Period. 435 00:25:00.759 --> 00:25:03.519 If that comes to an end, it has to be 436 00:25:03.599 --> 00:25:04.599 done legally. 437 00:25:05.240 --> 00:25:08.640 So what I need to know is this, at any 438 00:25:08.720 --> 00:25:13.240 time where you denied the room that you were paying for. 439 00:25:14.759 --> 00:25:18.279 No the utility, when do you have to happen? 440 00:25:18.319 --> 00:25:21.599 When do you have to be out of? When was 441 00:25:21.599 --> 00:25:22.519 the power shut off? 442 00:25:24.079 --> 00:25:25.079 About three months ago? 443 00:25:26.599 --> 00:25:27.359 Oh my god? 444 00:25:27.480 --> 00:25:30.200 Wait? Wait, wait, you've been living there and that guy's 445 00:25:30.240 --> 00:25:32.680 been living there without power? I say that guy, the 446 00:25:33.079 --> 00:25:35.359 landlord for three months without power. 447 00:25:36.880 --> 00:25:40.079 The landlord had decided to move out and he was 448 00:25:40.119 --> 00:25:43.079 staying somewhere else in Denver, And we have been stuck 449 00:25:43.119 --> 00:25:45.640 here with no power for three months and they just. 450 00:25:45.559 --> 00:25:48.599 Shut off the power and water or just power. 451 00:25:50.039 --> 00:25:51.720 The water just got shut off last week. 452 00:25:53.759 --> 00:25:57.480 Okay, So landlord moved out. Where did he go? 453 00:25:59.279 --> 00:25:59.920 I don't know? 454 00:26:00.039 --> 00:26:06.160 Well, okay, and did you continue paying rent when he 455 00:26:06.240 --> 00:26:06.720 moved out? 456 00:26:09.079 --> 00:26:12.079 Yes, we've been. We've been walking the property for him 457 00:26:12.079 --> 00:26:14.359 and all of his belongings since he moved out. 458 00:26:14.480 --> 00:26:16.319 Oh that's right. You weren't paying you were just taking 459 00:26:16.319 --> 00:26:18.960 care of it. Okay, So when did you get the eviction. 460 00:26:18.759 --> 00:26:21.720 Notice about three months ago. 461 00:26:23.240 --> 00:26:25.960 Okay, now listen, why haven't you been out yet? 462 00:26:27.720 --> 00:26:31.880 Because we just got evict The eviction was just granted 463 00:26:32.400 --> 00:26:37.160 through to the court system, and that was basically we 464 00:26:37.160 --> 00:26:38.640 were blackmailed to moving out. 465 00:26:40.680 --> 00:26:43.920 Well, the courts granted the eviction, Is that right? 466 00:26:44.599 --> 00:26:48.599 We were We agreed to the eviction because of blackmail 467 00:26:49.160 --> 00:26:50.400 by the ownership. 468 00:26:50.839 --> 00:26:53.119 Tell me the black What blackmail are you talking about? 469 00:26:55.279 --> 00:27:00.319 So my boyfriend has a an unfortunate warrant out of 470 00:27:00.359 --> 00:27:08.400 another state and is the owner's lawyer decided to blackmail 471 00:27:08.480 --> 00:27:10.680 us into moving out, telling us that if we didn't 472 00:27:10.720 --> 00:27:13.119 move out, he was going to contact the police department 473 00:27:13.680 --> 00:27:14.160 on him. 474 00:27:14.799 --> 00:27:20.599 Well that's not blackmail, that's not blackmail, but nix. It's unfortunate. 475 00:27:20.680 --> 00:27:23.599 I will tell you that. But if you let me 476 00:27:23.720 --> 00:27:26.359 just rather than going back over everyone, because you can't 477 00:27:26.440 --> 00:27:26.799 change it. 478 00:27:26.839 --> 00:27:30.480 Now. If the court granted an eviction, when did they 479 00:27:30.480 --> 00:27:31.200 say you had. 480 00:27:31.039 --> 00:27:31.519 To be out? 481 00:27:32.559 --> 00:27:33.759 We have to be out by friday? 482 00:27:35.480 --> 00:27:39.200 Okay, then let's just confine it to pax right now, 483 00:27:39.279 --> 00:27:44.960 whether right or wrong, be paying utilities. You were without power, 484 00:27:45.640 --> 00:27:48.279 You stayed there as long as you could. The court's 485 00:27:48.359 --> 00:27:51.160 granted the eviction you feel like you were forced to 486 00:27:51.160 --> 00:27:53.519 go along with it. Now you have to be out. 487 00:27:53.880 --> 00:27:55.960 So what do you need from us or what were 488 00:27:56.000 --> 00:27:58.079 you hoping we could do for you? 489 00:28:00.039 --> 00:28:02.119 We were kind of hoping that we could get more 490 00:28:02.400 --> 00:28:07.920 information because this is such a sentiment in depth situation, 491 00:28:08.720 --> 00:28:11.359 like if if you knew the whole story, you would 492 00:28:11.359 --> 00:28:13.920 have I'm sure a different opinion of. 493 00:28:15.519 --> 00:28:18.160 Okay, now, now, now, Lee, I'm going to tell you 494 00:28:18.200 --> 00:28:24.039 something mee Lee. I I don't doubt that it's in depth. 495 00:28:24.119 --> 00:28:26.319 I don't doubt it at all, and I don't doubt 496 00:28:26.400 --> 00:28:30.079 that there's a lot more details. But truly you just 497 00:28:30.119 --> 00:28:32.279 got you guys need to come to grips with something 498 00:28:32.839 --> 00:28:35.160 because you keep latching onto a few things. Let me 499 00:28:35.200 --> 00:28:38.359 go over them that that no matter what, it's gonna 500 00:28:38.400 --> 00:28:42.079 come down to this, whether he paid utilities or not 501 00:28:43.240 --> 00:28:44.640 is not your business. 502 00:28:44.720 --> 00:28:46.440 It's not as a tenant. 503 00:28:47.160 --> 00:28:51.880 Whether when you decided to stay there and he wasn't 504 00:28:51.920 --> 00:28:55.880 paying utilities still not your business. If you live there 505 00:28:56.200 --> 00:29:00.799 under terrible conditions, you you chose to live there. If 506 00:29:00.799 --> 00:29:04.400 the court's granted eviction, you got to be out of there. 507 00:29:04.759 --> 00:29:07.920 There is nothing I'm telling you the truth, Okay, I'm 508 00:29:07.960 --> 00:29:11.000 not trying to be a jerk. There's nothing I see 509 00:29:11.319 --> 00:29:14.079 that you can do to stop the eviction. Is that 510 00:29:14.119 --> 00:29:15.240 what you're hoping to do? 511 00:29:17.000 --> 00:29:17.440 No? 512 00:29:17.440 --> 00:29:20.119 No, no, no, no, okay. 513 00:29:20.039 --> 00:29:23.240 What then tell me what are no? No, then then 514 00:29:23.359 --> 00:29:26.839 just tell me this. What are what are you hoping 515 00:29:26.960 --> 00:29:28.640 to do? Let's get right to it. 516 00:29:30.640 --> 00:29:34.839 Honestly, we're I'm I'm scared. I don't want to be 517 00:29:35.200 --> 00:29:36.119 out on the street again. 518 00:29:37.559 --> 00:29:40.119 I don't blame you. 519 00:29:40.279 --> 00:29:43.720 No, no, no, nix, I don't blame you, But you're 520 00:29:43.720 --> 00:29:45.279 not going to be able to stay there. 521 00:29:46.680 --> 00:29:48.519 I know. I don't want to stay here anymore. 522 00:29:50.440 --> 00:29:53.559 So what were you? And and I'm only asking this 523 00:29:54.000 --> 00:29:56.519 because truly we are in the business of trying to 524 00:29:56.559 --> 00:29:59.839 help people. But what were you hoping that we would 525 00:29:59.839 --> 00:30:02.720 tell tell you that you can stay there, or that 526 00:30:03.079 --> 00:30:05.240 you want to find another place? Tell me what you 527 00:30:05.359 --> 00:30:07.640 need from us? Tell me what you need? And Lee 528 00:30:07.759 --> 00:30:09.640 you can chime in. What do you guys need? 529 00:30:11.519 --> 00:30:15.640 You need help? Just trying to find something else? Anything 530 00:30:15.680 --> 00:30:16.039 else too? 531 00:30:16.200 --> 00:30:20.599 Okay? Oh I get that, I get that. Hold on, 532 00:30:21.119 --> 00:30:23.519 I got to take a break. Let's see if anyone 533 00:30:23.519 --> 00:30:26.440 out there. I mean, it sounds like you were faithfully 534 00:30:26.480 --> 00:30:29.839 paying rent and you simply need another place, and you 535 00:30:29.920 --> 00:30:32.799 feel like the guy was very You know, I get 536 00:30:32.799 --> 00:30:35.960 it right now, that's what you need to concentrate on 537 00:30:36.079 --> 00:30:39.119 finding another place. And then I'd also like to find 538 00:30:39.160 --> 00:30:42.279 out what happens if you lay over in an emergency 539 00:30:42.279 --> 00:30:42.680 with this. 540 00:30:42.680 --> 00:30:44.319 Cold until you can find a place. 541 00:30:44.640 --> 00:30:47.400 So let's get Brad O'Brien on, and maybe we do 542 00:30:47.519 --> 00:30:49.640 that right after the top of the hour because we 543 00:30:49.720 --> 00:30:52.160 might run out of time. And I want to take roberta. 544 00:30:52.480 --> 00:30:56.759 So let's line up Nix and Lee and Brad O'Brien, 545 00:30:56.799 --> 00:31:00.279 a real estate attorney, to talk about what happens. They 546 00:31:00.319 --> 00:31:04.079 have to stay there because it's an emergency, and I 547 00:31:04.119 --> 00:31:07.559 know the courts don't care, but what really happens to them? More? 548 00:31:07.680 --> 00:31:12.319 Right after this, go with a sure thing Denver's Best 549 00:31:12.400 --> 00:31:15.279 rufer Excel roofing dot com. You don't pay a cent 550 00:31:15.480 --> 00:31:22.279 until you're content. Time for an insurance checkup free, no obligation. 551 00:31:22.279 --> 00:31:26.119 In comparison, call Compass Insurance paying too much your coverage 552 00:31:26.160 --> 00:31:28.799 at dozens of insurance companies. Find out now three all 553 00:31:28.880 --> 00:31:31.200 three seven to seven to one help. You'll think you're 554 00:31:31.240 --> 00:31:33.759 his only customer When you choose Frank durand the real 555 00:31:33.880 --> 00:31:36.880 estate man dot com to list your home with Remax 556 00:31:36.880 --> 00:31:39.960 Alliance three all three nine two zero sixteen twenty two. 557 00:31:42.559 --> 00:31:45.160 I'm Tom Martine. I just brought Dimitri up. Dmitri, what 558 00:31:45.200 --> 00:31:48.440 can you tell me about Roberta? You've been working with Roberta? 559 00:31:49.279 --> 00:31:50.880 Is that the name she called in under? 560 00:31:51.640 --> 00:31:51.880 Yes? 561 00:31:52.400 --> 00:31:53.319 So what's going on? 562 00:31:53.400 --> 00:31:59.319 Bro? Well? Are you there? Sorry? It's just skiddy? Yeah, 563 00:31:59.319 --> 00:32:03.759 all right, okay, hold on, what's going on with Roberta? First? 564 00:32:03.920 --> 00:32:07.440 You tell me? Tell me what was it about her grandson? 565 00:32:08.039 --> 00:32:11.960 No, Roberta is in a really tough situation because someone 566 00:32:12.279 --> 00:32:14.000 used her husband's. 567 00:32:13.480 --> 00:32:16.160 ATM card seven thousand dollars, yes. 568 00:32:16.079 --> 00:32:17.359 Over seven thousand bucks. 569 00:32:17.359 --> 00:32:22.000 Somebody her debit card from an online for an online purchase. Yeah. 570 00:32:22.000 --> 00:32:25.599 The place that they purchased a very expensive bicycle from 571 00:32:25.720 --> 00:32:31.720 is called Full Full Circle Bicycles, and this person paid 572 00:32:31.720 --> 00:32:35.759 for it online with Roberta's husband debit card, showed up 573 00:32:35.759 --> 00:32:40.160 at Full Circles and picked up the bicycle. And furthermore, 574 00:32:41.119 --> 00:32:43.920 some unknown party also used the same debit card number 575 00:32:43.920 --> 00:32:45.720 at the a TNC store for a little over two 576 00:32:45.799 --> 00:32:48.559 hundred bucks. But that kind of pales in comparison with 577 00:32:48.599 --> 00:32:52.559 the giant loss that Roberta took. She filed a police report, 578 00:32:52.839 --> 00:32:55.400 which I read the late and Roberta has been great tech. 579 00:32:55.519 --> 00:32:59.200 But why did Wells Fargo say it was not fraud? 580 00:32:59.319 --> 00:33:03.440 I read the denial letter from Wells Fargo. They offer 581 00:33:03.519 --> 00:33:07.240 absolutely no explanation for their position. It's a very short, 582 00:33:07.359 --> 00:33:10.279 curt to the point letter that says we determined that 583 00:33:10.319 --> 00:33:13.759 there was no fraud in this matter, and that's it. 584 00:33:14.200 --> 00:33:18.039 There is no avenue of appeal, there's no explanation, there's 585 00:33:18.079 --> 00:33:23.880 no reason that they gave so Wells Fargo has not 586 00:33:24.000 --> 00:33:27.920 responded to my requests for comment. However, I just recently, 587 00:33:27.960 --> 00:33:30.759 a few minutes ago, I was preparing for Roberta's phone call. 588 00:33:31.119 --> 00:33:33.480 I did find someone that they listened as their local 589 00:33:33.559 --> 00:33:35.200 Colorado press const So. 590 00:33:35.240 --> 00:33:37.480 You contacted them and they never got back to you. 591 00:33:37.519 --> 00:33:41.440 No, but I'm not surprised, you know, and full cycle 592 00:33:41.480 --> 00:33:43.880 and Roberta apologized for not being in touch with you. 593 00:33:43.920 --> 00:33:45.000 Did you call her email? 594 00:33:45.480 --> 00:33:46.880 I emailed Wells Fargo. 595 00:33:48.200 --> 00:33:51.440 However, there is another avenue I'm going to take because 596 00:33:51.839 --> 00:33:54.759 just in preparation for a Roberta's phone call, I did 597 00:33:54.799 --> 00:33:57.799 find someone that Wells Fargo claims to be their Colorado 598 00:33:57.920 --> 00:34:02.640 press relations contact. Have this guy's phone number, so as 599 00:34:02.680 --> 00:34:05.119 soon as as soon as we're on a break, I'll 600 00:34:05.160 --> 00:34:07.400 call him and I'll see if Tony can help us 601 00:34:07.440 --> 00:34:10.119 resolve this matter. But I think there are two people 602 00:34:10.159 --> 00:34:13.719 that there are two entities that you know, based on 603 00:34:13.760 --> 00:34:15.519 what Roberta told me, I don't think she and her 604 00:34:15.559 --> 00:34:16.639 husband did anything wrong. 605 00:34:16.679 --> 00:34:19.239 They truly are victims of identity theft in this matter. 606 00:34:19.760 --> 00:34:22.800 And I think that Wells Fargo should come up with 607 00:34:22.840 --> 00:34:25.840 a really good reason for denying this dispute. 608 00:34:25.519 --> 00:34:30.320 Especially they're saying it wasn't fraud. It wasn't fraud Roberta. 609 00:34:31.199 --> 00:34:33.239 They didn't offer I read the letter that they sent 610 00:34:33.280 --> 00:34:38.480 to Roberta. Yeah, they just say, well, determine it's not fraud, period, 611 00:34:38.519 --> 00:34:38.960 end of time. 612 00:34:39.039 --> 00:34:40.920 Do you think someone got your pin number? 613 00:34:43.440 --> 00:34:45.920 Well, I don't think a pin number is required. I've 614 00:34:45.920 --> 00:34:48.840 made purchases online with my debit card and there's no 615 00:34:48.880 --> 00:34:51.440 pin number required. You just need the number and the 616 00:34:51.480 --> 00:34:56.079 billing address. Now, let me also go a little bit further. 617 00:34:56.400 --> 00:34:58.599 I think the other party that has some culpability in 618 00:34:58.599 --> 00:35:04.719 this matter is Cycle Bikes, because they allowed a pickup 619 00:35:04.760 --> 00:35:09.480 of an extremely expensive product without requiring any id or 620 00:35:09.760 --> 00:35:12.360 without even requiring, the person shows them the debit card 621 00:35:12.440 --> 00:35:13.320 with which they paid. 622 00:35:14.679 --> 00:35:17.880 Hi. Yeah, hey, Roberta the break, I'll bring you up 623 00:35:17.920 --> 00:35:19.760 on what the Roberta. We're gonna We're gonna try to 624 00:35:19.800 --> 00:35:23.920 contact that other hang on. I'm Tom Marrow. How to 625 00:35:23.960 --> 00:35:26.000 get Brad O'Brien on as well? Then we have Henry 626 00:35:26.000 --> 00:35:28.880 Breast with us from Excel Roofing stick around on the 627 00:35:28.960 --> 00:35:35.519 Troubleshooter Show. I'm Tom Martina. Go with a sure thing 628 00:35:35.639 --> 00:35:38.960 Denver's best roofer Excel Roofing dot com. You don't pay 629 00:35:39.000 --> 00:35:45.079 a cent until you're content. Time for an insurance check 630 00:35:45.159 --> 00:35:49.159 up free no obligation comparison call Compass Insurance paying too 631 00:35:49.239 --> 00:35:52.320 much your coverage at dozens of insurance companies find out 632 00:35:52.320 --> 00:35:54.880 now three oh three seven seven to one help. You'll 633 00:35:54.880 --> 00:35:57.639 think you're his only customer when you choose Frank durand 634 00:35:57.639 --> 00:36:00.199 the real estate Man dot com to list your home 635 00:36:00.320 --> 00:36:03.480 with Remax Alliance three all three nine two zero sixteen 636 00:36:03.519 --> 00:36:14.039 twenty two. Yeah, ripped off that news. Didn't need advice, 637 00:36:14.119 --> 00:36:14.920 so you don't have. 638 00:36:17.119 --> 00:36:19.559 Come running. Just as fast as we can. 639 00:36:20.440 --> 00:36:22.760 Shooter's gonna help come. 640 00:36:24.320 --> 00:36:27.000 This is the Troubleshooter Show. 641 00:36:27.079 --> 00:36:33.239 No Tom Martino. Hi, Tom Martino here, and I welcome 642 00:36:33.320 --> 00:36:35.840 you to the show. I like calling it the only 643 00:36:35.880 --> 00:36:38.280 show of it's kind of anywhere in the universe, and 644 00:36:38.320 --> 00:36:39.840 that would make me a unique host. 645 00:36:40.079 --> 00:36:42.199 Hey, hey, all kidding aside. 646 00:36:42.480 --> 00:36:44.760 I tried to come on the radio every day as 647 00:36:44.760 --> 00:36:48.239 I've done for fifty years forty five in Denver, just 648 00:36:48.320 --> 00:36:52.880 solving problems and helping people. God, I love doing it now. 649 00:36:52.960 --> 00:36:57.000 Sometimes there is no help, but there's information. Well I 650 00:36:57.000 --> 00:37:00.639 guess that is help, isn't it. And with Nicks, there's 651 00:37:00.679 --> 00:37:02.679 a problem. And I want to bring Brad O'Brien up. 652 00:37:03.480 --> 00:37:08.559 Brad is my real estate expert. He's a real estate 653 00:37:08.599 --> 00:37:13.920 attorney O'Brien Legal Services, and I really like using him 654 00:37:14.679 --> 00:37:15.960 for questions like this. 655 00:37:16.719 --> 00:37:19.039 And by the way, we also have Excel Roofing with us. 656 00:37:19.039 --> 00:37:21.840 Today we've been talking about roofing issues and claims, so 657 00:37:21.880 --> 00:37:25.880 we got a whole plethora of things to speak about. 658 00:37:26.280 --> 00:37:30.559 Brad O'Brien, welcome. I want to summarize Nix's problem. Nix 659 00:37:30.599 --> 00:37:32.480 and her boyfriend, I mean, you know, I'm going to 660 00:37:32.599 --> 00:37:35.280 summarize it. I'm sure they have details they want you 661 00:37:35.360 --> 00:37:40.239 to know. But Nix and her boyfriend were living in 662 00:37:40.239 --> 00:37:45.840 a house, and they were at first Nix was paying 663 00:37:45.880 --> 00:37:49.320 about two hundred bucks for a room, and then within 664 00:37:49.360 --> 00:37:52.559 the first year, she and the landlord decided it would 665 00:37:52.559 --> 00:37:55.199 be better if she just kept the place up, cleaned 666 00:37:55.280 --> 00:37:58.920 up around because the landlord lived there, instead of paying rent, 667 00:37:59.239 --> 00:38:01.679 because she said, and I told her it was none 668 00:38:01.719 --> 00:38:03.400 of her business, but she said, the money she was 669 00:38:03.440 --> 00:38:07.840 paying wasn't going tour at the house anyway, And like 670 00:38:07.880 --> 00:38:09.760 I told her, that doesn't matter. I mean, if you're 671 00:38:09.760 --> 00:38:12.199 paying rent, it doesn't matter if he buys cigarettes with 672 00:38:12.239 --> 00:38:12.639 the money. 673 00:38:13.199 --> 00:38:13.719 Anyway. 674 00:38:14.039 --> 00:38:18.599 What happened was the landlord fell on even worse financial time, 675 00:38:18.639 --> 00:38:22.239 stop making payments to utilities. They were shut off, he 676 00:38:22.320 --> 00:38:26.239 moved out. They were living there without power for three months. 677 00:38:26.440 --> 00:38:26.599 Now. 678 00:38:26.599 --> 00:38:28.920 They've been there a total she's been there a total 679 00:38:28.960 --> 00:38:31.440 of about three years. The boyfriend has been there about 680 00:38:31.719 --> 00:38:35.280 two years, two and a half years. So they just 681 00:38:35.320 --> 00:38:38.719 got granted and I mean the courts just granted the 682 00:38:38.800 --> 00:38:42.480 landlord an eviction. Of course, she claims they were blackmailed 683 00:38:42.519 --> 00:38:45.840 into going along with it because of a criminal record 684 00:38:45.840 --> 00:38:48.079 that came up for the boyfriend. And I told her 685 00:38:48.119 --> 00:38:51.559 it doesn't matter if there's a legal eviction granted by 686 00:38:51.599 --> 00:38:54.199 the courts and they have to be out by Friday. 687 00:38:54.440 --> 00:38:56.800 Let's cut through all the smoke and mirrors. Let's just 688 00:38:56.880 --> 00:38:59.320 get right to it. But what I want to know 689 00:38:59.440 --> 00:39:04.039 is this a very simple question. It's an emergency, it's cold, 690 00:39:04.360 --> 00:39:07.199 they don't have another place to go. What are the 691 00:39:07.280 --> 00:39:12.800 consequences if Nick and her boyfriend Lee just stay there 692 00:39:13.000 --> 00:39:15.960 until they can find a place. What happens in a 693 00:39:16.000 --> 00:39:19.119 case like that? Do they literally forcibly remove them? How 694 00:39:19.159 --> 00:39:19.840 does it work? 695 00:39:19.920 --> 00:39:23.320 Brad O'Brien, Well, Tom, at the very end of an 696 00:39:23.320 --> 00:39:26.920 eviction proceeding is where the sheriff shows up and focuses 697 00:39:27.159 --> 00:39:30.159 the physical eviction of the tenant. And that's where the 698 00:39:30.199 --> 00:39:32.920 sheriff doesn't do the actual moving. The landlord is responsible 699 00:39:32.960 --> 00:39:36.079 for bringing in boomers and they within a course of 700 00:39:36.119 --> 00:39:39.000 about an hour or so, they move everything out to 701 00:39:39.039 --> 00:39:42.519 the curb and the tenants get physically victied and locks 702 00:39:42.519 --> 00:39:45.119 get changed, and that's it. So that's what happens at 703 00:39:45.119 --> 00:39:46.679 the very end, and it goes that far. 704 00:39:50.360 --> 00:39:55.400 Okay, So will they physically remove them then? 705 00:39:55.440 --> 00:39:56.920 Physically? Oh? 706 00:39:57.000 --> 00:40:02.719 Yes, sheriff actually physically removes the tenants when they are 707 00:40:02.840 --> 00:40:07.239 when the sheriff is there to enforce and enforce the restitution. 708 00:40:09.199 --> 00:40:17.679 Okay, so Nicks, they wanted to also know, are there 709 00:40:17.760 --> 00:40:23.000 any extenda, even circumstances like blackmail or anything else, or 710 00:40:23.039 --> 00:40:25.199 the fact that he didn't pay his bills or they 711 00:40:25.239 --> 00:40:29.199 lived without power for three months or whatever, any circumstances 712 00:40:29.199 --> 00:40:31.760 that could delay this eviction Now that has been granted. 713 00:40:32.800 --> 00:40:35.960 Well, the lack of power is normally grounds for a 714 00:40:36.039 --> 00:40:38.880 claim of breach of the warrantied habitability, which is like 715 00:40:38.920 --> 00:40:41.079 no heat and electricity, no water, that sort of thing. 716 00:40:41.840 --> 00:40:44.159 So but yeah, they should have brought that up before 717 00:40:44.199 --> 00:40:47.039 the eviction was entered into before the court orders. 718 00:40:47.079 --> 00:40:49.239 Well, they were forced. They were forced to go along 719 00:40:49.280 --> 00:40:53.079 with it. They were forced. Now does that matter if 720 00:40:53.079 --> 00:40:55.400 they feel like they were blackmailed because he has a 721 00:40:55.400 --> 00:40:58.239 criminal record and they said they were going to call authorities? 722 00:41:00.320 --> 00:41:04.280 Can I have a lot of that as well, Nicks? 723 00:41:04.320 --> 00:41:08.400 Go ahead, Yeah, but would have mattered. 724 00:41:08.440 --> 00:41:11.599 What I'm saying is this, if Nick said to the courts, 725 00:41:12.280 --> 00:41:14.880 we don't want to go along with this eviction, but 726 00:41:15.000 --> 00:41:17.320 we have no choice. They're forcing us, or they're going 727 00:41:17.360 --> 00:41:20.800 to call the authorities on my boyfriend who has a 728 00:41:20.840 --> 00:41:23.320 criminal pass By the way, Nick, is he is there 729 00:41:23.320 --> 00:41:24.679 a Warren out for your boyfriend? 730 00:41:26.639 --> 00:41:27.000 Yes? 731 00:41:29.880 --> 00:41:32.440 Why do you feel Why do you feel calling law 732 00:41:32.599 --> 00:41:38.239 law enforcement on a lawfully executed arrest warrant is blackmail? 733 00:41:38.400 --> 00:41:41.559 I'm just curious. 734 00:41:41.800 --> 00:41:45.159 So if hold on, Dmitri, go ahead, quickly, hold on, 735 00:41:45.239 --> 00:41:46.719 hold on, hold on, Dmitri, go ahead. 736 00:41:46.800 --> 00:41:49.760 Yeah, Tom, there actually did look this up. There's a 737 00:41:49.760 --> 00:41:54.880 professional responsibility rule that governs Colorado lawyers, and rule four 738 00:41:54.920 --> 00:41:59.440 point five, section A prohibits any threat of criminal prosecution 739 00:42:00.599 --> 00:42:03.079 if the lawyer is using it to leverage his position 740 00:42:03.119 --> 00:42:03.920 in a civil matter. 741 00:42:04.519 --> 00:42:06.199 So if that's really what's going. 742 00:42:05.960 --> 00:42:09.840 On, now, hold on. I think what that law is 743 00:42:09.840 --> 00:42:12.519 going to help her. I think what that rule means 744 00:42:13.000 --> 00:42:16.960 is threatening to turn it into a criminal prosecution. Okay, 745 00:42:17.280 --> 00:42:22.719 not an existing lawfully executed arrest warrant. There's nothing against 746 00:42:22.760 --> 00:42:24.519 the law about calling authorities. 747 00:42:25.719 --> 00:42:28.119 Yeah, I'm sure you're probably right. And even if it was, 748 00:42:28.199 --> 00:42:30.239 this is not going to help our call or final 749 00:42:30.360 --> 00:42:31.920 turnative housing within the next brat. 750 00:42:31.960 --> 00:42:33.519 What do you want to just weigh in on that? 751 00:42:33.760 --> 00:42:37.679 I mean, yeah, would the court say, hey, go ahead? 752 00:42:37.719 --> 00:42:39.840 Well, first of all, this rule of professional responsibility for 753 00:42:39.880 --> 00:42:43.599 attorneys is that an attorney cannot threaten a criminal to 754 00:42:43.639 --> 00:42:46.320 bring a criminal action in order to advance their civil case. 755 00:42:46.840 --> 00:42:47.840 So they couldn't have used it. 756 00:42:48.360 --> 00:42:52.119 The lawyer couldn't use it to to try to get 757 00:42:52.119 --> 00:42:55.599 this addition go through quicker. Now that doesn't stop anybody. 758 00:42:56.000 --> 00:42:59.960 But he did. He did, but it was a lawfully see, 759 00:43:00.480 --> 00:43:04.079 he didn't bring the criminal action. It was already there. Yep. 760 00:43:04.440 --> 00:43:05.239 Does that matter? 761 00:43:06.599 --> 00:43:09.039 No, it doesn't. I don't think because it's brad. It's 762 00:43:09.079 --> 00:43:10.880 prohibited by attorneys, not action. 763 00:43:11.119 --> 00:43:14.880 Okay, the threat, Okay, got it. So even if you 764 00:43:14.960 --> 00:43:19.079 are housing a criminal and you tell that criminal I 765 00:43:19.159 --> 00:43:22.480 know you're a criminal and I'm going to call authorities 766 00:43:22.480 --> 00:43:25.280 if you don't leave, that is prohibited. 767 00:43:25.920 --> 00:43:26.280 Yes. 768 00:43:27.199 --> 00:43:29.639 The only way that a landlord can get a tenant 769 00:43:29.639 --> 00:43:32.639 out on these grounds is if they if there is 770 00:43:33.000 --> 00:43:37.119 a lie in the application where they said they don't 771 00:43:37.119 --> 00:43:39.159 have a criminal background, and that was a lie, the 772 00:43:39.280 --> 00:43:41.920 landlord would have to bring action based on the line 773 00:43:42.679 --> 00:43:44.480 as opposed to non payment rent. 774 00:43:46.480 --> 00:43:53.199 Okay, here's the deal. She's got to be out by Friday. 775 00:43:53.360 --> 00:43:56.320 So your advice is she needs to find a place. 776 00:43:56.400 --> 00:44:00.119 I mean, bottom line, I mean I think I think 777 00:44:00.119 --> 00:44:01.360 it's too late to do anything. 778 00:44:01.400 --> 00:44:02.119 What do you think? 779 00:44:03.000 --> 00:44:06.760 There's no leniency in the statute, in the eviction statutes, 780 00:44:06.840 --> 00:44:10.039 But some people, like a judge or the actual sheriff 781 00:44:10.039 --> 00:44:12.440 who's going to conduct a physical disction, do have some discretion. 782 00:44:13.320 --> 00:44:16.400 And the sheriff, you might convince them to hold off 783 00:44:16.440 --> 00:44:18.679 for a couple of days because. 784 00:44:18.400 --> 00:44:20.199 They have you know, they have a calendar. 785 00:44:20.360 --> 00:44:22.840 You know, they can do this eviction one one day, 786 00:44:22.920 --> 00:44:24.199 or they can do it a couple of days later. 787 00:44:25.320 --> 00:44:27.960 So somebody might appeal to the sheriff who's going to 788 00:44:27.960 --> 00:44:29.480 do it to try to delay it a little bit. 789 00:44:29.480 --> 00:44:32.119 Because is it likely they'll show up right on the 790 00:44:32.159 --> 00:44:35.480 day they're supposed to leave, or is it likely there 791 00:44:35.480 --> 00:44:37.719 would have to be a complaint made by the landlord. 792 00:44:38.079 --> 00:44:38.920 What counties is in. 793 00:44:40.920 --> 00:44:45.400 Again, Nicks, Okay, Denver. There are a couple of weeks 794 00:44:45.480 --> 00:44:48.679 out as far as exercising witch of restitution. That's the 795 00:44:48.679 --> 00:44:53.880 sheriff's office. And sometimes the sheriff would delay if there 796 00:44:53.960 --> 00:44:58.159 is like a you know, if there's a weather event anyway, 797 00:44:58.239 --> 00:45:02.280 So also the sure gives a they normally give a 798 00:45:02.280 --> 00:45:03.880 heads up, well sometimes they give it heads up to 799 00:45:03.920 --> 00:45:06.519 the tenant to let them know it's coming, although in 800 00:45:06.599 --> 00:45:08.760 some syrips don't do that because they don't want the 801 00:45:08.840 --> 00:45:12.320 tenant to be to know the actual time of the eviction, 802 00:45:12.440 --> 00:45:14.840 because they might do it those that are not smart. 803 00:45:17.519 --> 00:45:22.280 Okay, so Nick, I'm gonna put your situation out there 804 00:45:22.320 --> 00:45:24.960 to see if we have anybody that might want to 805 00:45:25.000 --> 00:45:27.559 offer you a place to stay if you have been 806 00:45:27.599 --> 00:45:31.199 faithfully paying. It sounds like you are just a victim 807 00:45:31.239 --> 00:45:34.960 of circumstances. I want to ask about employment and all 808 00:45:35.000 --> 00:45:39.840 of that stuff. Maybe there's someone listening that wants to help. Brad. 809 00:45:39.880 --> 00:45:43.880 Thank you so much. O'Brien Legal Services and that's O 810 00:45:44.599 --> 00:45:50.280 l S. That stands for Obrien Legal Services lslaw dot com. 811 00:45:50.320 --> 00:45:54.639 Seven to zero three seven zero seventy three eighty eight 812 00:46:00.119 --> 00:46:03.639 The sure Thing Denver's Best roofer Excel roofing dot com. 813 00:46:03.679 --> 00:46:09.440 You don't pay a cent until you're content. Time for 814 00:46:09.480 --> 00:46:13.239 an insurance check up free, no obligation comparison call Compass 815 00:46:13.280 --> 00:46:16.559 Insurance paying too much your coverage at dozens of insurance 816 00:46:16.559 --> 00:46:19.039 companies find out now three oh three seven to seven 817 00:46:19.079 --> 00:46:21.840 to one help. You'll think you're his only customer when 818 00:46:21.840 --> 00:46:24.360 you choose Frank Durand the real estate Man dot com. 819 00:46:24.360 --> 00:46:27.440 To list your home with Remax Alliance three oh three 820 00:46:27.559 --> 00:46:33.960 nine two zero sixteen twenty two. Hi Tom Martine. Renew 821 00:46:34.039 --> 00:46:39.000 Home Innovations dot com. God do I love them. They 822 00:46:39.039 --> 00:46:46.440 do the most beautiful, beautiful shower conversions with porcelain sheets, 823 00:46:46.840 --> 00:46:50.400 no maintenance, two or three days to do it, seventy 824 00:46:50.440 --> 00:46:54.840 two months to pay with no interest. Renew home Innovations 825 00:46:55.079 --> 00:46:59.480 dot com. I know Nick and his team three oh 826 00:46:59.559 --> 00:47:03.880 three nine nine zero four two thousand beautiful porcelain. I mean, 827 00:47:03.880 --> 00:47:06.199 you've never seen a more beautiful conversion. Three h three 828 00:47:06.320 --> 00:47:13.800 nine zero four two thousand. Hey, Roberta has a follow up. 829 00:47:13.840 --> 00:47:16.760 I'm going to bring up. I'm going to bring up Dmitri, 830 00:47:16.880 --> 00:47:21.119 Deputy Dmitri, Deputy D And so here was the issue. 831 00:47:21.360 --> 00:47:23.960 Roberta noticed on her debit card. There was a knee 832 00:47:24.000 --> 00:47:26.679 bike and some other stuff purchased about seven thousand or 833 00:47:26.719 --> 00:47:31.880 more charges. Wells Fargo never got back to Dmitri, and 834 00:47:32.119 --> 00:47:34.719 for some reason, the denial letter says, we don't think 835 00:47:34.760 --> 00:47:39.760 it's fraud. So where does this stand right now? Deputy D, Hi, 836 00:47:39.840 --> 00:47:40.719 Tom and Roberta. 837 00:47:40.800 --> 00:47:42.719 I think you're gonna be pretty happy with the development 838 00:47:42.719 --> 00:47:44.840 that just took place. Over the past couple of minutes. 839 00:47:45.280 --> 00:47:49.760 I did track down a really really great contact deep 840 00:47:49.800 --> 00:47:52.360 inside of Wells Fargo. A gentleman by the name of 841 00:47:52.360 --> 00:47:55.400 Tony Timmins is in charge of press relations for Colorado, 842 00:47:55.960 --> 00:47:58.239 and he and I had a conversation about your matter, 843 00:47:58.960 --> 00:48:04.519 and he is taking your case extremely, extremely seriously. He said, 844 00:48:04.679 --> 00:48:06.639 here's what we agree to, and I already emailed this 845 00:48:06.719 --> 00:48:09.960 to you just about a minute ago. If you emailed him, 846 00:48:10.159 --> 00:48:11.960 I sent you his contact and from it was his 847 00:48:12.000 --> 00:48:12.480 first name. 848 00:48:12.559 --> 00:48:16.599 His name is Tony and really really Colorado contact. 849 00:48:16.679 --> 00:48:19.639 Yeah, for press relations. He picked up on the first ring. 850 00:48:19.760 --> 00:48:23.639 This guy is not playing around. So Roberto, here's what 851 00:48:23.679 --> 00:48:26.400 he told me. If you send him three things in 852 00:48:26.480 --> 00:48:31.480 one email. Your brief statement about two fraudulent charges. Second 853 00:48:31.639 --> 00:48:33.719 is the police report. And by the way I read 854 00:48:33.719 --> 00:48:36.440 the latest iteration of the police report, they are really 855 00:48:36.519 --> 00:48:41.760 taking me seriously. They got search warrants for IP addresses. 856 00:48:42.719 --> 00:48:46.039 Boulder is really on the ball on this, and I 857 00:48:46.079 --> 00:48:49.719 think that police report really supports you very very strongly. 858 00:48:50.280 --> 00:48:52.440 And then the third thing, if you could, said Tony, 859 00:48:52.840 --> 00:48:56.199 is the Wills Fargo charge dispute denial letter, because we'll 860 00:48:56.239 --> 00:48:57.440 probably have your case number. 861 00:48:57.639 --> 00:48:58.800 Here's what he's going to do with this. 862 00:48:59.280 --> 00:49:02.679 He's personally personally going to walk this over to a 863 00:49:02.800 --> 00:49:06.920 special department that they have within Wells Fargo that exists 864 00:49:07.000 --> 00:49:11.199 to reinvestigate cases such as this. He said that it 865 00:49:11.239 --> 00:49:15.800 will take about five business days to complete their reinvestigation, 866 00:49:16.360 --> 00:49:20.239 and then he's going to contact you and us to 867 00:49:20.559 --> 00:49:22.760 tell us what Wells Fargo position. 868 00:49:22.480 --> 00:49:23.480 On this matter is. 869 00:49:24.039 --> 00:49:27.760 So, I think the stonewalling is over, and I think 870 00:49:27.800 --> 00:49:31.199 you've got a very high quality contact within Wells Fargo. 871 00:49:31.800 --> 00:49:33.840 So in case, in case. 872 00:49:33.679 --> 00:49:36.159 Tony doesn't get back to me but gets back to you, 873 00:49:36.519 --> 00:49:39.039 would you mind calling us again and let us know 874 00:49:39.079 --> 00:49:40.119 how this turned out. 875 00:49:40.400 --> 00:49:41.400 But I have a feeling. 876 00:49:41.679 --> 00:49:44.239 I have a feeling based on the strength of your 877 00:49:44.280 --> 00:49:48.280 position and based on Tony's enthusiasm to help us out. 878 00:49:48.840 --> 00:49:50.679 I think you're going to get some pretty good news 879 00:49:50.719 --> 00:49:53.159 from Tony and Wells Fargo pretty soon. 880 00:49:54.880 --> 00:49:55.880 That's cool. 881 00:49:57.559 --> 00:49:59.239 Okay, So did you give her the email? 882 00:49:59.440 --> 00:50:01.679 I email so, Roberta. I emailed it to you a 883 00:50:01.679 --> 00:50:02.519 couple of minutes ago. 884 00:50:03.960 --> 00:50:10.440 Okay, okay, Roberta, I will look for three three. 885 00:50:07.519 --> 00:50:11.400 Thank you. 886 00:50:11.679 --> 00:50:13.480 We'll talk to you at the end of next week. Listen, 887 00:50:13.559 --> 00:50:15.159 this is what we mean. We want to help and 888 00:50:15.199 --> 00:50:18.400 we have great deputies. Who's in the house today? Is 889 00:50:18.440 --> 00:50:19.679 it Dollar and Chopper? 890 00:50:19.679 --> 00:50:19.840 Now? 891 00:50:19.960 --> 00:50:24.440 Is Chopper back in the house? Yes, Chopper, good to 892 00:50:24.480 --> 00:50:26.639 see you. I don't see you, but good to have 893 00:50:26.719 --> 00:50:31.880 you there. And dollars, same with you. Thanks. Man. Are 894 00:50:31.920 --> 00:50:38.159 you feeling good? Everything's good? Right, everything's good? I feel good? Good? 895 00:50:38.679 --> 00:50:41.400 And Dollar? What's new on your plate? 896 00:50:42.199 --> 00:50:42.400 Hey? 897 00:50:42.440 --> 00:50:45.880 My birthday was yesterday. I'm not as old as you. 898 00:50:45.960 --> 00:50:52.000 Really yeah, hey, shut up? Hey really so that's wonderful though. 899 00:50:52.760 --> 00:50:54.519 Did you have a happy time? What are you doing 900 00:50:54.920 --> 00:50:55.960 buy yourself a car? 901 00:50:56.320 --> 00:50:56.440 No? 902 00:50:56.679 --> 00:50:58.440 Not going to buy a car? No, you didn't just 903 00:50:58.519 --> 00:51:01.960 do No? Yeah, I you know what. I love my 904 00:51:02.079 --> 00:51:04.480 car so much, but I have to downsize. I have 905 00:51:04.519 --> 00:51:07.519 to downsize my car, I really do. I don't need 906 00:51:07.559 --> 00:51:10.480 a big car anymore. You know. My days of hauling 907 00:51:10.559 --> 00:51:14.320 crap and all of that, they're they're behind me. So 908 00:51:15.559 --> 00:51:20.000 and anyway, what i'd like to do is a dollar 909 00:51:20.079 --> 00:51:22.400 you got Did you get that information, by the way, 910 00:51:22.880 --> 00:51:25.960 that we've been talking about on that from what I 911 00:51:26.000 --> 00:51:30.519 said to get let me see, yeah, from Lydia. Yeah. 912 00:51:30.559 --> 00:51:33.000 I haven't had a chance to call it. That's a 913 00:51:33.039 --> 00:51:34.000 break here. 914 00:51:36.480 --> 00:51:40.480 Okay, So let's see what's going on there, and then 915 00:51:41.559 --> 00:51:43.239 I want to talk about some stuff. 916 00:51:42.960 --> 00:51:46.079 Going on in the news, and I want to know. 917 00:51:47.079 --> 00:51:51.119 Look, I know there's a general bend in our opinions, 918 00:51:51.440 --> 00:51:56.159 whether you skew conservative or progressive or liberal, but this 919 00:51:56.320 --> 00:51:59.719 is not meant to be political, and I don't think 920 00:52:00.039 --> 00:52:01.320 everyone can be wrong. 921 00:52:01.800 --> 00:52:04.639 But I want your opinion now. 922 00:52:04.679 --> 00:52:08.679 I love my morons here because they're instant live feedback. 923 00:52:09.159 --> 00:52:11.760 But you can also text me on my text number 924 00:52:12.840 --> 00:52:17.920 and I'll get it right now. Seven four seven nine 925 00:52:18.000 --> 00:52:24.000 nine nine fifty two eighty. Now, I'll help you remember 926 00:52:24.000 --> 00:52:26.400 that number seven four seven is a big airplane and 927 00:52:26.440 --> 00:52:27.519 I love big jets. 928 00:52:27.880 --> 00:52:30.519 Nine nine nine is only because it's. 929 00:52:30.320 --> 00:52:32.639 As close to perfection as you can get without You 930 00:52:32.679 --> 00:52:34.800 can't write ten ten ten in a phone number, so 931 00:52:34.880 --> 00:52:39.320 it's seven four seven nine nine nine, and then fifty 932 00:52:39.360 --> 00:52:42.400 two eighty for the Mile High City. Seven four seven 933 00:52:43.320 --> 00:52:46.039 nine nine nine fifty two eighty. I want your opinion 934 00:52:46.079 --> 00:52:50.920 on a few things. They say that never before, never 935 00:52:51.880 --> 00:52:58.000 has employment or employ employees been disconnected as much as 936 00:52:58.039 --> 00:53:03.880 they are from their jobs. They're not dedicated, they're not loyal, 937 00:53:04.760 --> 00:53:06.360 they don't give a squad. 938 00:53:06.440 --> 00:53:07.400 Now, not all of them. 939 00:53:07.480 --> 00:53:12.199 But for the first time they say in history, there's 940 00:53:12.239 --> 00:53:16.800 a record number of employees disconnected. It used to be 941 00:53:16.880 --> 00:53:22.719 a minority, ten twelve percent. Now they're saying that up 942 00:53:22.760 --> 00:53:29.400 to sixty and seventy percent. Think about that, Up to 943 00:53:29.559 --> 00:53:36.320 sixty or seventy percent of employees are disconnected. They don't 944 00:53:36.639 --> 00:53:42.840 like their job, they don't like their bosses. What do 945 00:53:42.880 --> 00:53:45.920 you think that's about? Can it be they're all cry 946 00:53:45.960 --> 00:53:50.239 babies and snowflakes. I don't think so, But of course 947 00:53:50.440 --> 00:53:54.960 I want your opinions on that. Three oh three seven 948 00:53:55.000 --> 00:53:57.639 one three talk now, remember it's seven four, seven, nine 949 00:53:57.760 --> 00:54:02.079 nine nine fifty two eighty. And let me see one 950 00:54:02.119 --> 00:54:06.800 other thing. I want to tell you that when it 951 00:54:06.880 --> 00:54:13.280 comes to real estate, Frank Duran has been running ragged 952 00:54:13.360 --> 00:54:17.679 doing these analyzes of people's property, not because they want 953 00:54:17.679 --> 00:54:21.039 a list, but because he offers this to you. If 954 00:54:21.079 --> 00:54:25.000 you're looking to get out of Dodge, to downsize, upsize, whatever, 955 00:54:25.360 --> 00:54:27.800 He'll give you a complete analysis of what your home's 956 00:54:27.840 --> 00:54:31.920 worth and what it will sell for based on comps, 957 00:54:32.480 --> 00:54:37.400 supplying demand, interest rates, all of the factors three h 958 00:54:37.480 --> 00:54:46.920 three nine to zero sixteen twenty two. Go with a 959 00:54:47.000 --> 00:54:50.519 sure thing Denver's best roofer Excel Roofing dot com. You 960 00:54:50.559 --> 00:54:56.320 don't pay a cent until you're content. Time for an 961 00:54:56.320 --> 00:54:59.920 insurance check up free, no obligation. In comparison, call Compass 962 00:55:00.079 --> 00:55:03.320 Insurance paying too much your coverage at dozens of insurance 963 00:55:03.320 --> 00:55:05.880 companies find out now three oh three seven seven to 964 00:55:05.880 --> 00:55:08.679 one help. You'll think you're his only customer when you 965 00:55:08.760 --> 00:55:11.199 choose Frank durand the real estate Man dot com to 966 00:55:11.280 --> 00:55:14.480 list your home with Remax Alliance three oh three nine 967 00:55:14.519 --> 00:55:22.840 two zero sixteen twenty two. Hi Tom Martino three three 968 00:55:22.960 --> 00:55:27.400 seven one three talk seven one three eight two five five. 969 00:55:27.880 --> 00:55:30.199 Now I got a text about insurance, and I want 970 00:55:30.199 --> 00:55:34.320 to get Compass on and we want to talk about insuring. 971 00:55:34.079 --> 00:55:36.639 Stuff inside of rentals. 972 00:55:36.920 --> 00:55:39.480 But what if that rental is a storage unit or 973 00:55:39.519 --> 00:55:43.519 an airplane hangar or a man cave, stuff like that. 974 00:55:44.320 --> 00:55:48.159 We've I've gotten plenty of inquiries that insurance companies are 975 00:55:48.159 --> 00:55:52.239 reluctant to write stuff like that, or what about liability 976 00:55:52.360 --> 00:55:55.519 if somebody trips and falls in it? Or what insurance 977 00:55:55.639 --> 00:55:58.360 is needed? And speaking of insurance, I want to bring 978 00:55:58.440 --> 00:56:03.920 something up. I was so tired of people misunderstanding insurance 979 00:56:03.960 --> 00:56:08.920 coverage that I posted on X and on I didn't. 980 00:56:08.920 --> 00:56:10.639 I don't think if I did it on Instagram yet 981 00:56:10.679 --> 00:56:16.400 I will. I also did it on YouTube and on 982 00:56:16.480 --> 00:56:18.960 the referral list channel, and also. 983 00:56:18.920 --> 00:56:20.960 On my LinkedIn. 984 00:56:21.760 --> 00:56:28.320 I posted a video that outlines what car insurance is 985 00:56:28.400 --> 00:56:32.079 and what it covers, the basics for people looking for 986 00:56:32.199 --> 00:56:38.440 car insurance. So many coverages are misunderstood, and I went 987 00:56:38.480 --> 00:56:44.320 through each and every one of them. You know, sometimes 988 00:56:44.320 --> 00:56:47.000 it's hard to get people to look at videos that 989 00:56:47.119 --> 00:56:54.119 actually in part information that actually information that's good for them. 990 00:56:54.480 --> 00:56:58.039 You know. It's it's like I said, it's not you know, talking, 991 00:56:58.920 --> 00:57:03.639 it's not a girl dancing with boobs. It's just good 992 00:57:03.679 --> 00:57:08.760 old fashioned information. And I just leave it there hoping 993 00:57:09.639 --> 00:57:12.679 that it catches on and people use it. So I 994 00:57:12.719 --> 00:57:18.079 ask people, why are more workers now disengaged than ever before, 995 00:57:18.679 --> 00:57:23.559 not caring about their job? Not caring, I mean, like 996 00:57:23.719 --> 00:57:30.599 totally disconnected. It used to be ten twelve percent. Now 997 00:57:30.719 --> 00:57:34.000 we're looking at sixty and seventy percent. The majority of 998 00:57:34.039 --> 00:57:38.960 workers now one guy. I think maybe it's not a guy. 999 00:57:39.199 --> 00:57:40.000 Somebody said, Tom. 1000 00:57:40.039 --> 00:57:45.199 People don't want to work hard anymore due to social 1001 00:57:45.280 --> 00:57:50.119 media influences. They want easy money. People are not connected 1002 00:57:50.119 --> 00:57:55.320 to real life, so maybe they feel that employment is 1003 00:57:55.360 --> 00:57:58.119 a pain in the ass and it's just temporary, so 1004 00:57:58.159 --> 00:58:02.000 they don't get involved, they don't do their best. That's 1005 00:58:02.119 --> 00:58:08.920 that's a good observation. I think also that they're and 1006 00:58:09.039 --> 00:58:13.280 this is engendered in politics. You can make a decision 1007 00:58:13.360 --> 00:58:16.400 on who does it and who doesn't. But I call 1008 00:58:16.480 --> 00:58:23.079 it envy. And there's been an overall I think opinion 1009 00:58:23.119 --> 00:58:26.760 that if you're successful and you make lots of money, 1010 00:58:26.800 --> 00:58:32.000 you've done something wrong or evil. It's not lauded, it's 1011 00:58:32.079 --> 00:58:38.480 not celebrated. People tend to dislike you. And I don't 1012 00:58:38.559 --> 00:58:42.679 know why. I really don't know why. I think that 1013 00:58:42.920 --> 00:58:46.679 everyone should do well. And you know, in this economy 1014 00:58:47.599 --> 00:58:52.440 and in our system, there doesn't have to be a 1015 00:58:52.480 --> 00:58:56.920 winner and a loser. In Vegas there has to be 1016 00:58:57.440 --> 00:59:02.360 a winner and a loser. There doesn't have to be 1017 00:59:02.400 --> 00:59:05.760 a winner and a loser. In the economy there doesn't 1018 00:59:06.400 --> 00:59:10.719 or in investments there doesn't have to be a winner 1019 00:59:10.800 --> 00:59:14.480 and a loser. You see, there are. 1020 00:59:14.400 --> 00:59:15.559 Two ways of making money. 1021 00:59:15.599 --> 00:59:17.719 I've said this before on the many many calls I've 1022 00:59:17.760 --> 00:59:22.760 done with my investors at Wave eight Wealth Management when 1023 00:59:22.760 --> 00:59:25.199 they have texted me, and I know you're listening because 1024 00:59:25.239 --> 00:59:27.719 I've talked to a dozen people who have texted me 1025 00:59:27.800 --> 00:59:30.519 and wanting me to talk to them, along with my 1026 00:59:30.639 --> 00:59:35.599 colleagues at Wave eight Wealth Management, and I've talked to them. 1027 00:59:36.119 --> 00:59:39.159 Some of you have very little money, but you need 1028 00:59:39.199 --> 00:59:40.599 to know what to do with it and where to 1029 00:59:40.639 --> 00:59:43.239 go and how to grow. But you don't need a 1030 00:59:43.280 --> 00:59:45.000 financial advisor. Now. 1031 00:59:45.039 --> 00:59:46.360 Many of you are. 1032 00:59:46.480 --> 00:59:50.480 Wasting your money and paying fees to these online services 1033 00:59:50.519 --> 00:59:54.440 you shouldn't need. Some are with big giant brokerages that 1034 00:59:54.519 --> 00:59:57.119 don't know you from Adam. Some are doing a good 1035 00:59:57.239 --> 01:00:00.679 job and their financial advisors are really taking care of them. 1036 01:00:00.719 --> 01:00:04.039 That's very a minority of people I talk to. But 1037 01:00:04.800 --> 01:00:08.679 here's one thing that I found out is that everyone 1038 01:00:08.760 --> 01:00:12.239 needs an opinion and everyone needs help. And the biggest 1039 01:00:12.239 --> 01:00:19.039 problem I find in financial advisement, and that's investment advisement 1040 01:00:19.159 --> 01:00:25.199 in general, that people invest for. You have two ways 1041 01:00:25.239 --> 01:00:30.480 of gaining wealth. You have growing equity, meaning you buy 1042 01:00:30.559 --> 01:00:34.480 something and it grows in value. Now that could be jewelry, 1043 01:00:34.519 --> 01:00:37.599 that could be artwork, That could be a home or rental, 1044 01:00:38.320 --> 01:00:42.559 that could be your primary residence. That could be anything 1045 01:00:43.119 --> 01:00:47.679 that grows in value. So then you have equity that 1046 01:00:47.880 --> 01:00:52.559 is a nest egg of sorts. Then you also have 1047 01:00:53.159 --> 01:00:57.360 cash flow. You know a lot of people make money, 1048 01:00:57.800 --> 01:01:01.719 they have good paychecks, good money. So now when you 1049 01:01:01.760 --> 01:01:09.079 have equity and you have cash flow, but you need 1050 01:01:09.159 --> 01:01:13.000 conversion back and forth in order to create wealth. 1051 01:01:13.719 --> 01:01:16.320 If you have cash flow, you have to. 1052 01:01:16.239 --> 01:01:21.559 Convert some of it to equity, building investments, some of 1053 01:01:21.599 --> 01:01:26.519 it because you want that growth. You're not paying taxes 1054 01:01:26.559 --> 01:01:31.559 on it, and you're getting growth. But then at some 1055 01:01:31.719 --> 01:01:35.639 point in your life that has to be converted back 1056 01:01:35.719 --> 01:01:40.079 to cash flow. So many times during your life you're 1057 01:01:40.079 --> 01:01:44.599 doing this conversion from cash flow to equity, from equity 1058 01:01:44.840 --> 01:01:49.280 to cash flow. The secret in building wealth is when 1059 01:01:50.039 --> 01:01:54.760 to do it. You never get rich spending money you make. 1060 01:01:55.679 --> 01:01:59.599 You never get rich just growing equity. There must be 1061 01:02:00.119 --> 01:02:06.599 conversion anyway. That's what people fail at more than anything. 1062 01:02:07.079 --> 01:02:10.960 And one other thing sharks people that when you go 1063 01:02:11.079 --> 01:02:14.199 to them, here's the very first thing on their mind. 1064 01:02:14.519 --> 01:02:19.639 How much can I make from this person. Now you 1065 01:02:19.719 --> 01:02:24.119 might think, well, isn't that natural, No, it isn't. You 1066 01:02:24.159 --> 01:02:28.679 can make money from people who you service and do 1067 01:02:28.760 --> 01:02:32.800 good things for on a moderate level. You can do that, 1068 01:02:33.400 --> 01:02:35.480 but there are some people that shouldn't be with you, 1069 01:02:36.039 --> 01:02:39.639 or shouldn't buy an annuity, or shouldn't buy life insurance, 1070 01:02:39.760 --> 01:02:43.440 or shouldn't buy a house, or shouldn't buy this, because 1071 01:02:43.800 --> 01:02:49.239 there are people with individual circumstances, and those people have 1072 01:02:49.400 --> 01:02:50.320 not been addressed. 1073 01:02:50.840 --> 01:02:52.440 I'm Tom Martinez. We have more coming up. 1074 01:02:52.480 --> 01:02:54.679 If you ever want to text me for a private session, 1075 01:02:54.679 --> 01:02:58.039 if you ever want to text me about anything like that, 1076 01:02:58.440 --> 01:03:01.639 I'm at your disposal four seven nine nine nine fifty 1077 01:03:01.719 --> 01:03:04.480 two eighty. You can also go to invest with Martino 1078 01:03:04.559 --> 01:03:07.440 dot com. And we have an issue with a furnace 1079 01:03:07.519 --> 01:03:09.920 coming right up, so so Genie, we're gonna get right 1080 01:03:09.960 --> 01:03:13.000 to you. Then we also have excel roofing dot com 1081 01:03:13.039 --> 01:03:18.559 with us hang on go with a sure thing Denver's 1082 01:03:18.599 --> 01:03:21.480 best roofer excel roofing dot com. You don't pay a 1083 01:03:21.559 --> 01:03:28.039 cent until you're content. Time for an insurance check up free, 1084 01:03:28.119 --> 01:03:31.880 no obligation. In comparison, call Compass Insurance paying too much 1085 01:03:32.000 --> 01:03:34.920 your coverage at dozens of insurance companies find out now 1086 01:03:35.000 --> 01:03:37.719 three oh three seven seven one help. You'll think you're 1087 01:03:37.760 --> 01:03:40.280 his only customer when you choose Frank durand the real 1088 01:03:40.360 --> 01:03:43.400 estate man dot Com to list your home with Remax 1089 01:03:43.400 --> 01:03:50.320 Alliance three oh three nine two zero sixteen twenty two 1090 01:03:51.960 --> 01:03:54.719 three three seven one three talk seven one three eight 1091 01:03:54.760 --> 01:03:58.360 two five five Genie, what's going on? 1092 01:03:58.679 --> 01:03:58.880 Yeah? 1093 01:04:00.199 --> 01:04:03.880 Hey there? Can I read what I wrote? 1094 01:04:04.480 --> 01:04:07.000 Yes, you can, Kennedy. If he gets boring, I'm going 1095 01:04:07.000 --> 01:04:09.719 to hold on. I may interrupt you for questions. 1096 01:04:09.760 --> 01:04:15.119 Go ahead, Okay, I want to say what James Patterson says. 1097 01:04:15.199 --> 01:04:18.880 If you don't know the answer, don't ask the question. 1098 01:04:19.719 --> 01:04:24.039 That's why I called your show. I'm a SKA home 1099 01:04:24.119 --> 01:04:28.920 flipper for fifteen years to be exact, fifteen homes to 1100 01:04:28.960 --> 01:04:33.920 be exact. That's two every other year. I'm seventy one 1101 01:04:34.000 --> 01:04:36.760 and this is the second best house out of them all. 1102 01:04:37.119 --> 01:04:39.320 And I'm keeping this one with the view of the 1103 01:04:41.480 --> 01:04:44.880 with the views. I don't want to mention where I'm 1104 01:04:44.920 --> 01:04:50.360 calling from. I called six HVAC companies for quotes beginning 1105 01:04:51.360 --> 01:04:54.960 twenty twenty three up until the end of twenty four. 1106 01:04:56.039 --> 01:04:57.239 Kept everyone quote. 1107 01:04:57.239 --> 01:05:00.360 What was this for? Hold on? Hold on, Janie, hold on. 1108 01:05:00.840 --> 01:05:02.760 So this is for the house you're going to keep 1109 01:05:02.960 --> 01:05:07.400 like your dream home? Right right? Okay? 1110 01:05:08.079 --> 01:05:09.639 I kept you. 1111 01:05:09.519 --> 01:05:16.079 Called six companies. You called six companies, and what happened? 1112 01:05:17.639 --> 01:05:19.199 I kept all their quotes? 1113 01:05:20.480 --> 01:05:24.320 Uh my, and what was the quote for what was 1114 01:05:24.360 --> 01:05:25.519 the quote for. 1115 01:05:26.679 --> 01:05:28.599 New furnace air conditioning? 1116 01:05:29.679 --> 01:05:35.559 Okay, the whole system got it correct. Okay, keep going, dear. 1117 01:05:36.960 --> 01:05:44.119 Five HVAC guys recommended three tom and one recommended three 1118 01:05:44.199 --> 01:05:49.199 point five. I told them all that I converted the 1119 01:05:49.239 --> 01:05:54.119 electric dryer, freeing up the two thirty breaker to a 1120 01:05:54.239 --> 01:05:58.360 gas dryer. So I bought a gas dryer, removed a 1121 01:05:58.480 --> 01:06:05.440 pool pump, no dishwasher, and I live alone. I also 1122 01:06:05.559 --> 01:06:09.960 showed them a load calculation prepared by an electrical engineer, 1123 01:06:10.639 --> 01:06:11.280 proving I had it. 1124 01:06:11.519 --> 01:06:13.000 So the ones let me let me ask you a 1125 01:06:13.079 --> 01:06:16.679 few questions. The ones that offered three ton, did they 1126 01:06:16.719 --> 01:06:19.320 do heat loss calculations based on your house? 1127 01:06:20.639 --> 01:06:21.280 Not one? 1128 01:06:23.280 --> 01:06:27.599 NA about the one did three point five? Person five? 1129 01:06:27.840 --> 01:06:32.119 Okay, So these guys, when they came to sell you 1130 01:06:32.159 --> 01:06:34.880 the system or give you a quote, how did they 1131 01:06:35.000 --> 01:06:38.199 determine the size? Did they look at your old system 1132 01:06:38.280 --> 01:06:41.960 or did you ask them how they determined the size? 1133 01:06:42.320 --> 01:06:46.840 They looked at the furnace existing three ton, and then 1134 01:06:46.920 --> 01:06:50.400 they went purely by square footage? 1135 01:06:51.480 --> 01:06:52.800 Well, how many square feet do. 1136 01:06:52.760 --> 01:06:55.760 You have sixteen fifty four? 1137 01:06:58.360 --> 01:07:00.000 And is it a ranch or two story? 1138 01:07:00.159 --> 01:07:01.239 Too bad? 1139 01:07:02.840 --> 01:07:03.280 Okay? 1140 01:07:03.480 --> 01:07:07.679 But is it a ranch or a two story ranch? 1141 01:07:07.800 --> 01:07:08.599 Flat roof? 1142 01:07:11.480 --> 01:07:11.880 Okay? 1143 01:07:11.920 --> 01:07:13.400 Now flat roof? 1144 01:07:13.480 --> 01:07:19.920 You said, correct, a flat roof. So do you have 1145 01:07:20.039 --> 01:07:25.039 any space between your ceiling and the outside where there's insulation? 1146 01:07:26.639 --> 01:07:31.320 Only the decking and the foam roof which is about 1147 01:07:31.400 --> 01:07:35.519 two and a half inches thick, which really is a 1148 01:07:35.719 --> 01:07:36.719 great barrier. 1149 01:07:39.320 --> 01:07:47.079 Okay, two point five inch foam insulation right on the roof. 1150 01:07:47.599 --> 01:07:50.280 On the roof. It is the roof decking. 1151 01:07:51.119 --> 01:07:53.840 How are the roof? How are the walls insulated? 1152 01:07:54.920 --> 01:08:02.000 The walls have a sixteen wall insulation. 1153 01:08:03.880 --> 01:08:04.760 Sixteen wool? 1154 01:08:04.840 --> 01:08:05.320 What do you mean? 1155 01:08:05.400 --> 01:08:10.639 Sixteen wool density? 1156 01:08:11.559 --> 01:08:16.560 Okay, woll wool? You're talking about the wool? 1157 01:08:16.640 --> 01:08:20.560 Uh woll rockets real good old stuff. 1158 01:08:22.079 --> 01:08:23.239 Are you saying rap? 1159 01:08:24.960 --> 01:08:29.800 No, I'm saying wool like a sweater, wool, rock like 1160 01:08:29.840 --> 01:08:31.079 a stone. 1161 01:08:32.880 --> 01:08:33.159 Rock. 1162 01:08:33.359 --> 01:08:34.039 Got it, ma'am? 1163 01:08:34.119 --> 01:08:34.479 Got it? 1164 01:08:34.680 --> 01:08:37.279 Okay, Now here's what I want to know. 1165 01:08:38.239 --> 01:08:42.199 They don't want to add this. Windows brand new windows. 1166 01:08:42.239 --> 01:08:44.199 Also, what kind of windows? 1167 01:08:44.359 --> 01:08:45.159 What kind of windows? 1168 01:08:45.159 --> 01:08:48.319 That means four mud coats on the exterior? 1169 01:08:48.560 --> 01:08:55.039 Yeah, yeah, what kind of windows? What kind of windows aluminum. Yeah, 1170 01:08:55.039 --> 01:09:02.800 but are they good? Double pain? Okay, okay, hold on, 1171 01:09:03.399 --> 01:09:05.920 I'm Tom Martino. We'll talk about this coming up on 1172 01:09:05.960 --> 01:09:09.239 the Troubleshooter Show. Three O three seven one three eight 1173 01:09:09.319 --> 01:09:21.880 two five five. Go with a sure thing Denver's best 1174 01:09:21.960 --> 01:09:24.840 roofer Excel Roofing dot com. You don't pay a cent 1175 01:09:25.039 --> 01:09:31.119 until you're contenth time for an insurance check up free, 1176 01:09:31.199 --> 01:09:35.239 no obligation comparison call Compass Insurance paying too much your 1177 01:09:35.239 --> 01:09:38.199 coverage at dozens of insurance companies find out now three 1178 01:09:38.279 --> 01:09:40.800 all three seven seven to one. Help. You'll think you're 1179 01:09:40.800 --> 01:09:43.319 his only customer when you choose Frank durand the real 1180 01:09:43.439 --> 01:09:46.439 estate Man dot com to list your home with Remax 1181 01:09:46.479 --> 01:09:55.720 Alliance three oh three nine two zero sixteen twenty two ripped. 1182 01:09:57.319 --> 01:10:04.960 News as fast as you can. 1183 01:10:06.239 --> 01:10:09.520 Shooter is gonna help, coming man. 1184 01:10:09.720 --> 01:10:17.039 This is the Troubleshooter Show. No Tom Martino, Hey. 1185 01:10:17.279 --> 01:10:20.960 Tom Martino here, Welcome to this show. Three oh three 1186 01:10:21.800 --> 01:10:24.960 seven one three talk seven one three eight two five five. 1187 01:10:25.760 --> 01:10:31.840 We're talking in Genie about HVAC systems and Genie. I 1188 01:10:31.920 --> 01:10:35.680 checked with some of my experts with the variables you've 1189 01:10:35.720 --> 01:10:40.159 given me. Yeah, I did, and uh I also want 1190 01:10:40.159 --> 01:10:43.399 to have you back on when they're on tomorrow. I 1191 01:10:43.479 --> 01:10:46.720 do to talk specifics, but what I'm coming up with 1192 01:10:47.520 --> 01:10:53.600 is a three tons system for UH, for your size. 1193 01:10:53.960 --> 01:10:57.960 Three tons now tons is for the it is for 1194 01:10:58.039 --> 01:11:02.119 the cooling part. Okay, for the heating part. It goes 1195 01:11:02.159 --> 01:11:07.039 by B tou so about something about thirty three thousand 1196 01:11:07.079 --> 01:11:14.960 b to you? Okay, So if you get something, if 1197 01:11:15.000 --> 01:11:18.640 you get a three ton and a heating system of 1198 01:11:18.720 --> 01:11:22.800 about thirty three thousand bt us, even thirty thousand could 1199 01:11:22.840 --> 01:11:25.680 do it. But that's what you need. That's truly what 1200 01:11:25.720 --> 01:11:29.119 you need. What other issues did you come up against 1201 01:11:29.119 --> 01:11:31.800 when shopping? And could you tell me the companies you 1202 01:11:31.920 --> 01:11:32.319 checked with? 1203 01:11:33.880 --> 01:11:36.560 No, I can't bring I could. I don't want to 1204 01:11:36.560 --> 01:11:39.439 give you the name of the company that did the install, 1205 01:11:40.119 --> 01:11:40.920 but I could. 1206 01:11:40.800 --> 01:11:43.279 Get wait wait, wait, wait, wait wait wait you already 1207 01:11:43.279 --> 01:11:44.159 had to installed? 1208 01:11:44.279 --> 01:11:47.560 Which one did you go with? Which size? 1209 01:11:48.039 --> 01:11:51.279 I ordered it? Well, he gave me the three point 1210 01:11:51.439 --> 01:11:57.039 five proposal and all three components. I want to along 1211 01:11:57.119 --> 01:11:59.439 with aunt, knowing what I know about? 1212 01:11:59.600 --> 01:12:00.319 What do you mean free? 1213 01:12:00.359 --> 01:12:00.520 Wait? 1214 01:12:00.560 --> 01:12:03.960 Wait? Wait? What do you mean three components? Furnaces don't 1215 01:12:03.960 --> 01:12:05.680 come in tonnage, so what do. 1216 01:12:05.640 --> 01:12:08.840 You mean the coil, the furnace and the condenser. 1217 01:12:10.520 --> 01:12:13.600 Yeah, but the furnace doesn't get measured in tonnage. But 1218 01:12:13.720 --> 01:12:16.800 he matched a furnace to the three point five AC 1219 01:12:17.039 --> 01:12:17.760 is what you're saying. 1220 01:12:19.199 --> 01:12:21.479 I had a three ton in there and I winded 1221 01:12:21.520 --> 01:12:23.159 a three point five. 1222 01:12:23.319 --> 01:12:26.439 I know what you said. I know what you said. 1223 01:12:26.479 --> 01:12:29.920 Now I'm asking what is the heating part of it? 1224 01:12:30.680 --> 01:12:33.800 How many BTUs? Oh? 1225 01:12:34.359 --> 01:12:36.720 Can't tell you unless I look it up. 1226 01:12:36.600 --> 01:12:43.560 Then looking, Okay, Now I'm going to ask this what 1227 01:12:43.920 --> 01:12:46.760 is the issue today that has you calling me? 1228 01:12:48.640 --> 01:12:52.399 Okay? The bet and I took the man through the 1229 01:12:52.520 --> 01:12:57.039 house pointing out what I'm going to say. In the 1230 01:12:57.079 --> 01:13:02.600 bedroom there are three floor of the vents as well 1231 01:13:02.880 --> 01:13:09.199 two cold air returns, so that sized up the noise 1232 01:13:10.319 --> 01:13:16.880 from the blower. That's the number one issue, because he was. 1233 01:13:17.039 --> 01:13:20.600 The number one issue. Is it, Geenie? Is it one 1234 01:13:20.680 --> 01:13:23.720 bedroom that has the two return vents? 1235 01:13:24.880 --> 01:13:25.279 Correct? 1236 01:13:26.840 --> 01:13:29.319 Why is it an extra large room? 1237 01:13:29.439 --> 01:13:35.000 Bethroom? The bathroom has a changing room and a shower 1238 01:13:35.239 --> 01:13:46.159 room and no exterior venting. Okay, the bedroom had a 1239 01:13:46.279 --> 01:13:51.119 vent in the ceiling to accommodate the swamp cooling that 1240 01:13:51.560 --> 01:13:55.760 is acting as a cold air return Now, so I 1241 01:13:55.800 --> 01:14:04.920 got two cold air returns blowing noise, all within oh 1242 01:14:05.159 --> 01:14:06.159 ten feet of the bed. 1243 01:14:07.920 --> 01:14:11.079 Okay, but let me explain something to you, Jeanie. Returns 1244 01:14:11.119 --> 01:14:13.199 don't blow there. 1245 01:14:13.239 --> 01:14:18.560 Their returns incense up there and it draws. 1246 01:14:19.640 --> 01:14:21.000 Yeah, that's right, that's right. 1247 01:14:21.720 --> 01:14:22.119 Okay. 1248 01:14:22.560 --> 01:14:26.119 Now, how many returns around the house? 1249 01:14:26.159 --> 01:14:26.640 Do you have? 1250 01:14:28.359 --> 01:14:34.279 One? Two, three, four, five, six, seven? 1251 01:14:35.760 --> 01:14:37.439 Okay? That's adequate. 1252 01:14:37.800 --> 01:14:44.239 And they're located at the bottom of the room. At 1253 01:14:44.279 --> 01:14:49.680 the bottom of the room, a return should be at 1254 01:14:49.680 --> 01:14:52.840 the bottom of the wall or about six to eight 1255 01:14:52.840 --> 01:14:56.520 inches above the floor. They should not be high. Are 1256 01:14:56.600 --> 01:14:59.039 your returns row or high? 1257 01:15:00.119 --> 01:15:05.560 That's not one. That's there's one in the ceiling of 1258 01:15:05.760 --> 01:15:11.239 the kitchen, slash den, and all the other swamp cooler 1259 01:15:11.319 --> 01:15:17.960 events are going to, according to him, act as cold 1260 01:15:18.079 --> 01:15:19.600 air returns. 1261 01:15:20.520 --> 01:15:25.039 But where are they located on the wall? High or 1262 01:15:25.199 --> 01:15:32.479 low ceiling? Okaye? That is the most That is the 1263 01:15:32.520 --> 01:15:35.479 most screwed up system I have ever heard. 1264 01:15:37.039 --> 01:15:40.439 Hope show this house is built for swamp cooling. 1265 01:15:41.479 --> 01:15:43.640 Well, I don't care what it was built for. Your 1266 01:15:44.000 --> 01:15:48.439 cold air returns are not in the right place. So listen, 1267 01:15:49.159 --> 01:15:50.199 how old is the house? 1268 01:15:51.319 --> 01:15:53.960 Fifty? 1269 01:15:54.600 --> 01:15:57.159 I want to get you back on tomorrow with an 1270 01:15:57.239 --> 01:16:02.720 expert that will talk about your specific information. Okay, Now, Katchina, 1271 01:16:03.159 --> 01:16:08.920 this is really important. Katchina, you listening. I am put 1272 01:16:08.960 --> 01:16:11.960 down the mimosa. Now I want to get her on 1273 01:16:12.079 --> 01:16:15.920 tomorrow because we have our HVAC experts on. But in 1274 01:16:15.960 --> 01:16:18.760 the second hour we start that. Okay. 1275 01:16:20.399 --> 01:16:22.239 So John Fuller is doing the first. 1276 01:16:22.000 --> 01:16:28.359 Hour tomorrow, right, yeah, and I'm going to come in 1277 01:16:28.399 --> 01:16:30.920 on the second hour and I want to get her on. 1278 01:16:32.119 --> 01:16:36.000 So please mark that down, okay, and we'll get one 1279 01:16:36.039 --> 01:16:40.760 of our experts on to talk about this. So, Jeanie, 1280 01:16:41.479 --> 01:16:45.279 I am going to get you back on with someone 1281 01:16:45.399 --> 01:16:48.680 specific so we can talk about it. Now. Is noise? 1282 01:16:48.720 --> 01:16:53.159 Your only issue? Is is it heating adequately? 1283 01:16:53.239 --> 01:16:53.720 Right now? 1284 01:16:54.920 --> 01:16:56.199 Yes? 1285 01:16:58.439 --> 01:16:59.920 Good? Okay? 1286 01:17:00.439 --> 01:17:01.039 Four ton? 1287 01:17:03.560 --> 01:17:08.279 Okay, we're going to get it. What did you just 1288 01:17:08.319 --> 01:17:10.119 say ton? What did you did you just say? 1289 01:17:10.199 --> 01:17:12.560 Four ton? Yeah? 1290 01:17:12.720 --> 01:17:14.239 He put in a four ton? 1291 01:17:15.560 --> 01:17:18.079 You said three point five Now it's a four ton. 1292 01:17:20.359 --> 01:17:24.359 Well asially, if you keep track on my email to you, 1293 01:17:24.359 --> 01:17:31.319 you'll recall the agreement was a three point five ton. Yes, 1294 01:17:32.800 --> 01:17:40.279 he installed a four ton, and I called him out 1295 01:17:40.319 --> 01:17:45.920 on it the very next day. Looking at the model numbers. 1296 01:17:47.600 --> 01:17:52.119 He put in a four, but the coil underneath is 1297 01:17:52.159 --> 01:17:57.880 a three point five before he put in the air 1298 01:17:57.960 --> 01:17:59.600 conditioning condenser. 1299 01:18:02.199 --> 01:18:03.880 Are they are they mismatched? 1300 01:18:04.359 --> 01:18:04.800 Also? 1301 01:18:05.560 --> 01:18:10.199 What so you have some parts of the AC are 1302 01:18:10.199 --> 01:18:12.319 four in some parts are three point five? 1303 01:18:13.760 --> 01:18:13.960 Right? 1304 01:18:17.119 --> 01:18:19.720 Get her on hold, get your information, Jenny, make yourself 1305 01:18:19.760 --> 01:18:22.560 available tomorrow. Thank you. Three oh three seven one three 1306 01:18:22.640 --> 01:18:25.199 talk Kachina, talk to her. I want to get her 1307 01:18:25.239 --> 01:18:28.680 involved tomorrow. I want to get her on tomorrow. Three 1308 01:18:28.720 --> 01:18:36.560 o three seven one three eight two five five. Tom 1309 01:18:36.920 --> 01:18:40.680 I have an issue, he said. I just listened to 1310 01:18:40.720 --> 01:18:45.800 the problem. He must be listening to a past show 1311 01:18:45.800 --> 01:18:52.000 about Ernie, an American restoration, and he says, he says, 1312 01:18:52.039 --> 01:18:55.319 you know, I will give you a hint that basically 1313 01:18:55.359 --> 01:18:57.199 he should be understanding. 1314 01:18:58.279 --> 01:18:59.319 A better job explaining. 1315 01:18:59.359 --> 01:19:03.960 I'm paraphraid seeing and I believe when you do a restoration, 1316 01:19:04.319 --> 01:19:07.159 it should be the same way. It shouldn't matter what 1317 01:19:07.199 --> 01:19:11.279 insurance pays you. What should matter is on what it 1318 01:19:11.399 --> 01:19:14.479 costs to do. I don't know what this guy is 1319 01:19:14.560 --> 01:19:17.359 really trying. I really don't know what you're saying, but 1320 01:19:18.319 --> 01:19:23.600 we are trying to understand the situation. It was he 1321 01:19:23.680 --> 01:19:26.359 ran out of money, basically, and insurance stopped paying and 1322 01:19:26.399 --> 01:19:29.319 we got to figure out why. And I forget who 1323 01:19:29.399 --> 01:19:30.680 we get who we gave. 1324 01:19:30.479 --> 01:19:31.319 This to to work on? 1325 01:19:31.439 --> 01:19:35.079 Wait? Was it you, Dimitri? That was it you? 1326 01:19:35.159 --> 01:19:37.159 On American Restoration? 1327 01:19:37.239 --> 01:19:39.680 And Ernie, No, I don't remember. 1328 01:19:39.680 --> 01:19:41.840 I remember the call out, and remember who's assigned to 1329 01:19:41.880 --> 01:19:44.000 him working at another different insurance company. 1330 01:19:44.560 --> 01:19:49.239 No, Ernie, it was bo oh a Deputy Bow. 1331 01:19:49.600 --> 01:19:52.000 Deputy Bow has the day off, but he's scheduled to 1332 01:19:52.079 --> 01:19:53.119 work tomorrow. 1333 01:19:52.800 --> 01:19:55.800 So we'll talk to him tomorrow. Three oh three seven 1334 01:19:55.840 --> 01:19:59.000 one three eight two five five. We got more coming 1335 01:19:59.079 --> 01:20:01.880 right up on the Troubleshoot Show. It's important that you 1336 01:20:02.079 --> 01:20:05.239 always stay tuned. Hey, by the way, are. 1337 01:20:05.119 --> 01:20:06.399 Were you able to get compassed? 1338 01:20:06.439 --> 01:20:09.600 By the way, So he's out, I need to get 1339 01:20:09.600 --> 01:20:10.159 Brian on. 1340 01:20:10.399 --> 01:20:13.199 Yeah, So he's at a doctor's appointment with his wife, 1341 01:20:13.239 --> 01:20:15.359 So he's going to come on in the one o'clock hour. 1342 01:20:17.199 --> 01:20:21.800 Excellent day one, Clear Choice Garage Doors. I've been in 1343 01:20:21.880 --> 01:20:25.000 touch with this company. They've been on my list for 1344 01:20:25.039 --> 01:20:27.720 so many years. They're wonderful, whether it be the garage 1345 01:20:27.760 --> 01:20:31.239 door itself or the opener or any component. 1346 01:20:31.720 --> 01:20:33.840 All of their prices are on the website. 1347 01:20:34.239 --> 01:20:36.119 Now. The name of the company is one Clear Choice 1348 01:20:36.119 --> 01:20:42.840 Garage Doors. The website is one Clear Choice Doors dot Com. 1349 01:20:43.720 --> 01:20:47.680 A seven to zero, three seven zero thirty nine eighty seven. 1350 01:20:55.680 --> 01:20:58.920 Go with a sure thing Denver's best roofer Excel Roofing 1351 01:20:59.039 --> 01:21:05.520 dot com A cent until you're content. Time for an 1352 01:21:05.560 --> 01:21:09.199 insurance check up free, no obligation. In comparison, call Compass 1353 01:21:09.239 --> 01:21:12.520 Insurance paying too much your coverage at dozens of insurance 1354 01:21:12.520 --> 01:21:15.039 companies find out now three oh three seven seven to 1355 01:21:15.079 --> 01:21:17.880 one help You'll think you're his only customer when you 1356 01:21:17.960 --> 01:21:20.399 choose Frank durand the real estate Man dot com to 1357 01:21:20.479 --> 01:21:23.720 list your home with Remax Alliance three oh three nine 1358 01:21:23.720 --> 01:21:32.920 two zero sixteen twenty two times. Tom Martino here three 1359 01:21:33.000 --> 01:21:36.680 O three seven one three talk three O three seven 1360 01:21:36.760 --> 01:21:40.720 one three eight two five five. I have a text 1361 01:21:40.760 --> 01:21:47.279 here about roofing, Henry. There seems to be confusion on 1362 01:21:47.359 --> 01:21:51.319 auxiliary claims. So here's what I want to know. When 1363 01:21:51.359 --> 01:21:57.000 you do a when you do a contract and you 1364 01:21:57.039 --> 01:22:01.319 give an estimate at excel Roofing, ex cel as an 1365 01:22:01.319 --> 01:22:05.439 excellent excelroofing dot com. When you do that, do you 1366 01:22:05.479 --> 01:22:08.319 put on there anything about auxiliary claims in the future, 1367 01:22:11.279 --> 01:22:12.039 Can you kind. 1368 01:22:11.800 --> 01:22:14.720 Of my own Yeah, you're on bro, Yeah, if you 1369 01:22:14.720 --> 01:22:16.239 can kind of get a little bit more into what 1370 01:22:16.239 --> 01:22:17.279 what do you mean my future? 1371 01:22:17.319 --> 01:22:18.159 Auxiliary claim? 1372 01:22:18.319 --> 01:22:23.720 Okay? Many times a roofer, including Excel, will honestly and 1373 01:22:23.800 --> 01:22:25.960 ethically take a look at the roof and give an 1374 01:22:26.039 --> 01:22:31.000 estimate upfront and a contract. Then later on they discover 1375 01:22:31.159 --> 01:22:34.279 more damage or something that has to be done. It's 1376 01:22:34.319 --> 01:22:40.079 called an auxiliary claim or a supplemental claim. Are those 1377 01:22:40.600 --> 01:22:44.520 spelled out as a possibility or should they be in 1378 01:22:44.560 --> 01:22:45.600 the original agreement? 1379 01:22:45.720 --> 01:22:47.199 Yes, Tom, absolutely so. 1380 01:22:47.279 --> 01:22:49.720 I haven't heard it referred to an auxiliary acclaim in 1381 01:22:49.760 --> 01:22:51.800 a while, but a supplemental claim. 1382 01:22:51.560 --> 01:22:52.960 Okay, supplemental good. 1383 01:22:53.039 --> 01:22:54.159 And so just for. 1384 01:22:54.119 --> 01:22:57.119 Everybody listening, the proper way for a contractor to do 1385 01:22:57.159 --> 01:22:59.239 this with a roof is to try to do all 1386 01:22:59.239 --> 01:23:01.239 the supplementing on the front end. 1387 01:23:01.319 --> 01:23:03.159 But how can you if you didn't tear it. 1388 01:23:03.159 --> 01:23:06.000 Up yet, Because I mean, based on the county, you 1389 01:23:06.000 --> 01:23:08.760 should know the stuff that the insurance is gonna not 1390 01:23:08.840 --> 01:23:11.680 pay for and the building code requires. And so when 1391 01:23:11.680 --> 01:23:14.600 you spec your roof, you're gonna see discrepancies and that's 1392 01:23:14.600 --> 01:23:16.840 something that you can send to the insurance to do that. 1393 01:23:17.000 --> 01:23:18.039 But here's what I'm asking. 1394 01:23:18.640 --> 01:23:21.199 If you get into the job, do you ever have 1395 01:23:21.239 --> 01:23:24.479 a supplemental claim that wasn't foreseen? Yes, that can happen. 1396 01:23:24.840 --> 01:23:28.520 Now is that spelled out in original contracts in general? 1397 01:23:29.239 --> 01:23:31.520 So homeowners know that is a possibility. 1398 01:23:31.880 --> 01:23:35.000 So I can only speak from our contryes. Yes, of course, absolutely. 1399 01:23:35.000 --> 01:23:37.720 We put it in our contract that there could be. Yes, 1400 01:23:37.760 --> 01:23:40.520 there may be additional supplements that are required, and we 1401 01:23:40.560 --> 01:23:43.199 have that all spelled out, and it's very important to 1402 01:23:43.319 --> 01:23:45.359 us that we communicate that from our customers. 1403 01:23:45.399 --> 01:23:48.079 Now, do you go directly to the insurance company with 1404 01:23:48.119 --> 01:23:49.279 the supplemental claims? 1405 01:23:50.560 --> 01:23:52.199 So in order to get the supplement approved? 1406 01:23:52.199 --> 01:23:52.399 We do? 1407 01:23:52.399 --> 01:23:55.800 You have to submit pictures and all the discrepancies to 1408 01:23:55.880 --> 01:23:56.399 the insurance. 1409 01:23:56.640 --> 01:23:59.439 They don't want companies giving a low ball bid to 1410 01:23:59.439 --> 01:24:02.960 get the job and then killing them with supplements, so 1411 01:24:03.039 --> 01:24:04.600 they verify the supplements. 1412 01:24:04.680 --> 01:24:07.920 Right, Yes, absolutely, Okay, Now. 1413 01:24:08.800 --> 01:24:12.720 Why do homeowners get so shook up? I don't understand. 1414 01:24:12.760 --> 01:24:14.880 I've never understood this, and I'm not talking about Excel. 1415 01:24:15.119 --> 01:24:18.119 I'm talking Ben wrong. When a roofer says it's going 1416 01:24:18.159 --> 01:24:20.840 to be twenty five grand and the roofer end up 1417 01:24:20.920 --> 01:24:25.560 getting paid thirty five or forty because of honest legit supplements. 1418 01:24:25.920 --> 01:24:28.079 Why does the homeowner get upset they don't have to 1419 01:24:28.119 --> 01:24:30.479 pay any more than they're deductible. Why do they get 1420 01:24:30.479 --> 01:24:31.439 so upset about that? 1421 01:24:31.680 --> 01:24:33.840 So, Tom, I really just think it's the shock factor 1422 01:24:33.880 --> 01:24:36.239 of getting a bigger bill than you were anticipating. 1423 01:24:36.319 --> 01:24:38.840 And they think maybe that maybe even though they're only 1424 01:24:38.840 --> 01:24:39.880 paying their deductible. 1425 01:24:40.039 --> 01:24:43.399 Absolutely, even though they're paying just a deductible, they think that, 1426 01:24:43.520 --> 01:24:46.199 oh my gosh, I'm being being cheated extra amount. 1427 01:24:46.520 --> 01:24:48.720 And I mean, or maybe they feel like they want 1428 01:24:48.720 --> 01:24:51.840 to Henry, I hate to say this, but many times 1429 01:24:51.880 --> 01:24:53.720 I think they just want to keep the extra money. 1430 01:24:53.760 --> 01:24:56.119 I agree with you, and I mean, there's there's certain 1431 01:24:56.159 --> 01:25:01.039 times where the claim will be significantly increased, such space decking. 1432 01:25:01.079 --> 01:25:03.640 This is that roof decking underneath the roof. If we 1433 01:25:03.680 --> 01:25:05.760 get in the attic and for some reason it looks 1434 01:25:05.760 --> 01:25:08.520 like it has proper dennings and we pull it off 1435 01:25:08.560 --> 01:25:11.920 and it's all rotted bungeeecking, we're going to have to 1436 01:25:11.960 --> 01:25:15.239 supplement the insurance company for this, and usually they won't 1437 01:25:15.319 --> 01:25:17.720 provide that in their initial claim. 1438 01:25:17.960 --> 01:25:22.319 Okay, So I think you got a number of problems. 1439 01:25:22.359 --> 01:25:27.920 One you have companies that do fraudulent supplement claims maybe 1440 01:25:28.239 --> 01:25:30.880 and they give a low ball to get in. Second, 1441 01:25:30.920 --> 01:25:33.960 you have great companies that come across it and they 1442 01:25:34.000 --> 01:25:36.880 need it. It's just legit. And then I think you 1443 01:25:36.960 --> 01:25:41.479 have homeowners who get supplemental checks and then say, but 1444 01:25:41.680 --> 01:25:45.600 wait a minute, I didn't approve that supplement, you know, 1445 01:25:45.720 --> 01:25:48.199 I mean, and it's none of their frickin' business. 1446 01:25:48.479 --> 01:25:49.239 Yeah. 1447 01:25:49.279 --> 01:25:51.840 Absolutely, Okay, that's my opinion. Not you know, I'm not. 1448 01:25:52.359 --> 01:25:55.920 I don't want to dishomeowners, but so many homeowners want 1449 01:25:55.960 --> 01:25:58.359 to keep money. I hear you. 1450 01:25:58.439 --> 01:25:59.439 Tom. 1451 01:26:00.399 --> 01:26:03.399 It's really important to note that when we do a 1452 01:26:03.439 --> 01:26:05.880 lot of these supplementing stuff comes up like this, and 1453 01:26:06.119 --> 01:26:09.199 just making the homeowner aware and understanding what's going to 1454 01:26:09.239 --> 01:26:11.279 come up with the potential for this stuff is just 1455 01:26:11.319 --> 01:26:13.960 it's important and that's what keeps the whole thing running smoothly. 1456 01:26:14.199 --> 01:26:18.720 Bruce, Welcome to the show. I'm Tom Martine. Hey man, 1457 01:26:19.439 --> 01:26:29.520 what's going on, Bruce, Bruce speak or forever whole area? 1458 01:26:29.560 --> 01:26:30.640 Okay, what's going on? Brother? 1459 01:26:31.239 --> 01:26:34.319 Yes sir, Yes, sir. 1460 01:26:35.640 --> 01:26:39.000 We had a warshing machine issue where it was smoking. 1461 01:26:39.640 --> 01:26:44.600 We call it a company hears Home Services. They respond, Yeah. 1462 01:26:44.439 --> 01:26:45.840 They're not seers and they suck. 1463 01:26:45.960 --> 01:26:50.920 But go ahead, Yeah, well they do. 1464 01:26:50.960 --> 01:26:51.399 They suck. 1465 01:26:51.520 --> 01:26:52.319 I'm sorry. 1466 01:26:53.760 --> 01:26:57.840 Yeah, that's okay. We're finding that out. They ordered parts, 1467 01:26:57.920 --> 01:27:00.720 we got the parts a week ahead of time. We 1468 01:27:00.800 --> 01:27:04.359 try and reschedule, but we stuck. 1469 01:27:04.439 --> 01:27:08.319 Now, did you pay Seers Home hold On? Did you? 1470 01:27:08.479 --> 01:27:10.439 Did you pay Seers Home Services? 1471 01:27:12.439 --> 01:27:12.800 Yes? 1472 01:27:14.279 --> 01:27:15.479 How much we. 1473 01:27:15.560 --> 01:27:18.359 Paid them seven hundred dollars total? 1474 01:27:20.479 --> 01:27:24.880 And uh and you've never heard from them after that? 1475 01:27:27.079 --> 01:27:27.600 No, we did. 1476 01:27:27.760 --> 01:27:31.520 We did receive the parts about a week ahead. 1477 01:27:31.239 --> 01:27:33.760 Of Now when you say weld On, when you say 1478 01:27:33.800 --> 01:27:36.119 you received the parts, were they shipped directly to you? 1479 01:27:38.000 --> 01:27:38.439 Yes, sir. 1480 01:27:40.520 --> 01:27:42.199 Did they ever come back to install them? 1481 01:27:44.399 --> 01:27:44.640 No? 1482 01:27:44.800 --> 01:27:48.760 They keep putting us off and they have no. 1483 01:27:48.920 --> 01:27:55.000 Okay, that's good they are. Okay, don't go with them. 1484 01:27:55.760 --> 01:27:58.119 You may have overcharged for the parts, but at least 1485 01:27:58.159 --> 01:28:00.920 you got them, right. Was that seven for the parts 1486 01:28:01.039 --> 01:28:02.800 and installation or just the parts? 1487 01:28:04.800 --> 01:28:04.840 No? 1488 01:28:05.199 --> 01:28:05.720 Everything? 1489 01:28:07.560 --> 01:28:11.760 Okay, So oh so you actually paid hold On? You 1490 01:28:11.840 --> 01:28:14.560 actually paid for the parts and got them, but part 1491 01:28:14.560 --> 01:28:17.840 of that money was for the installation and now they 1492 01:28:17.920 --> 01:28:19.880 keep delaying. Is that why you're pissed? 1493 01:28:21.760 --> 01:28:22.279 Exactly? 1494 01:28:24.159 --> 01:28:26.920 Okay, So they collected for labor, they. 1495 01:28:26.800 --> 01:28:27.479 Did not do. 1496 01:28:29.600 --> 01:28:32.319 Yes, okay. 1497 01:28:32.680 --> 01:28:34.680 How much of that seven hundred was for. 1498 01:28:34.720 --> 01:28:38.680 Labor approximately three hundred? 1499 01:28:40.840 --> 01:28:43.920 Okay, So worst case scenario. 1500 01:28:46.039 --> 01:28:48.359 That they owe you three hundred bucks and we can 1501 01:28:48.399 --> 01:28:50.359 get somebody legit in there. Is that right? 1502 01:28:52.399 --> 01:28:52.600 Yes? 1503 01:28:54.199 --> 01:28:55.760 Who wants this case chopper? 1504 01:28:57.640 --> 01:28:58.520 Yeah, I'll take it. 1505 01:28:58.560 --> 01:29:05.439 I need a case chopper. It's very clear Sears Home 1506 01:29:05.479 --> 01:29:11.720 Services sucks. He paid them seven hundred, he got the parts, 1507 01:29:12.319 --> 01:29:15.880 but now he paid three hundred for installation, and he 1508 01:29:15.920 --> 01:29:20.039 doesn't want them to install it because they keep putting 1509 01:29:20.079 --> 01:29:22.239 them off, or they get their asses over there and 1510 01:29:22.239 --> 01:29:24.520 do it. But I'm not sure I would trust him. 1511 01:29:25.000 --> 01:29:28.079 And I want to say something, man, you know, when 1512 01:29:28.079 --> 01:29:32.920 it comes to appliance repair, it's a very very very 1513 01:29:32.960 --> 01:29:41.359 difficult business for us to get good people. We really Okay, 1514 01:29:41.560 --> 01:29:43.119 I want to tell you about a few I love, 1515 01:29:45.279 --> 01:29:53.840 Apex Jensen, there's another one, hold on he is, Uh. 1516 01:29:54.359 --> 01:29:57.239 I gotta find the one that I love and the 1517 01:29:57.319 --> 01:30:01.600 Russian guy. I'm sorry, I'll look, but they're they're all good. 1518 01:30:01.920 --> 01:30:04.479 But you gotta get you got to go to the 1519 01:30:04.520 --> 01:30:11.119 referral list. And I think I wonder, Hey, Kachina, Yeah, 1520 01:30:11.159 --> 01:30:13.000 I don't know. Maybe I got to find out who. 1521 01:30:13.399 --> 01:30:17.279 I wonder if Apex is the one I was talking about. Yes, Roma, 1522 01:30:17.800 --> 01:30:18.479 I want to get. 1523 01:30:18.359 --> 01:30:21.399 Him on the phone. Okay, I want to get him. 1524 01:30:21.479 --> 01:30:23.520 I really want to get him on the phone because 1525 01:30:23.560 --> 01:30:25.680 I want to talk about his company. He does such 1526 01:30:25.720 --> 01:30:28.600 a great job. Can I give you his number? You 1527 01:30:28.600 --> 01:30:33.439 want me to text it to you? Perfect, Okay. 1528 01:30:33.720 --> 01:30:35.119 Let me let me text it to you. 1529 01:30:35.880 --> 01:30:39.119 If you're actually on the referral list, hold on, it 1530 01:30:39.119 --> 01:30:40.359 doesn't matter to you. 1531 01:30:40.760 --> 01:30:42.359 I want you to look on the referral list. 1532 01:30:42.279 --> 01:30:46.079 Under series A couple of times, Tom, and they are 1533 01:30:46.199 --> 01:30:48.159 very hard to get anything done. 1534 01:30:48.359 --> 01:30:50.720 I'm not Yeah, I don't want them. I want but Kelly, 1535 01:30:51.079 --> 01:30:55.039 this is Roma. Shoot, I can't seem to copy the 1536 01:30:55.159 --> 01:30:58.399 damn number over from the referral list. Go to the 1537 01:30:58.439 --> 01:31:01.960 referral list, look for Appliance and get Apex. That's Roma. 1538 01:31:02.840 --> 01:31:05.880 I have his personal number, though I'm trying to copy 1539 01:31:05.920 --> 01:31:08.720 the dang thing. It's like brain damage to do it. 1540 01:31:08.840 --> 01:31:11.279 Let me try it one more time. And sorry for 1541 01:31:11.359 --> 01:31:14.560 people listening on the radio to this. Yeah, there it 1542 01:31:14.640 --> 01:31:16.319 is and his name is Roma. 1543 01:31:16.880 --> 01:31:19.359 So I just texted it to you. Kelly. 1544 01:31:19.800 --> 01:31:24.840 Three oh three seven one three eight two five five Okay, 1545 01:31:25.880 --> 01:31:30.600 now we have more coming up on the Troubleshooter Show. 1546 01:31:31.079 --> 01:31:34.000 Stick around for that. For that and more coming up. 1547 01:31:39.720 --> 01:31:42.960 Go with a sure thing Denver's best roofer Excel Roofing 1548 01:31:43.079 --> 01:31:45.720 dot com. You don't pay a cent until you're content. 1549 01:31:49.079 --> 01:31:52.279 Time for an insurance check up free, no obligation. In comparison, 1550 01:31:52.399 --> 01:31:55.920 call Compass Insurance paying too much your coverage at dozens 1551 01:31:55.960 --> 01:31:58.720 of insurance companies find out now three oh three seven 1552 01:31:58.800 --> 01:32:01.640 seven to one help. You'll think you're his only customer 1553 01:32:01.640 --> 01:32:03.920 when you choose Frank durand the real estate Man dot 1554 01:32:03.920 --> 01:32:07.239 com to list your home with Remax Alliance three oh 1555 01:32:07.279 --> 01:32:12.760 three nine two zero sixteen twenty two. 1556 01:32:13.159 --> 01:32:14.840 Hey, I am Tom Martino. 1557 01:32:14.920 --> 01:32:18.760 You're a troubleshooter three all three seven one three talk 1558 01:32:19.359 --> 01:32:21.439 you know. By the way, I love you listening on 1559 01:32:21.479 --> 01:32:24.079 the air, and I want you to always check out 1560 01:32:24.079 --> 01:32:27.760 referral list on YouTube. It's such a happy family and 1561 01:32:27.800 --> 01:32:31.600 we have instant comments. You can also text me at 1562 01:32:31.640 --> 01:32:34.720 seven four seven nine nine nine fifty two eighty And 1563 01:32:34.760 --> 01:32:38.399 I really not forego the iHeart texting the short code 1564 01:32:38.600 --> 01:32:42.399 because I do check those. That's five seven. 1565 01:32:42.279 --> 01:32:43.920 Seven three nine. Put Tom in it. 1566 01:32:44.600 --> 01:32:47.279 By the way, once said Tom, you should Oh what? 1567 01:32:47.800 --> 01:32:48.399 Uh? 1568 01:32:48.479 --> 01:32:51.479 I tried to call Roba and left him a message, 1569 01:32:53.119 --> 01:32:53.840 what's wrong. 1570 01:32:53.640 --> 01:32:55.159 With what's wrong with your sinuses? 1571 01:32:55.399 --> 01:32:59.560 Eh? I'm getting over a cold. I much you are. 1572 01:33:00.079 --> 01:33:04.840 I saw much better today that I sounded yesterday. But 1573 01:33:04.960 --> 01:33:06.840 I'm shuffed up a little bit. 1574 01:33:08.479 --> 01:33:14.720 Okay, Now someone recommended a Portia Macon or maccone. We 1575 01:33:14.960 --> 01:33:22.399 know an ev hmm, I'm looking to you know, I 1576 01:33:22.439 --> 01:33:24.720 made up some I made up my mind that I'm 1577 01:33:24.800 --> 01:33:27.640 a candidate for leasing because I don't do a lot 1578 01:33:27.680 --> 01:33:31.439 of mileage anymore, and there's no reason to tie up 1579 01:33:31.479 --> 01:33:34.039 a lot of capital. You know, when I was a 1580 01:33:34.119 --> 01:33:40.359 younger idiot, somewhat materialistic, not in an evil way, but 1581 01:33:40.399 --> 01:33:42.720 I was a jerk. I mean on some of the 1582 01:33:42.720 --> 01:33:46.359 stuff I bought, mostly for others and not really for me. 1583 01:33:46.880 --> 01:33:50.640 I just had capital tied up. And of course when 1584 01:33:50.720 --> 01:33:52.439 you go to sell, you're not going to recoup all 1585 01:33:52.479 --> 01:33:54.960 your money, and then you're going to buy another car, 1586 01:33:55.039 --> 01:33:57.640 so you're constantly have a cost of transportation. 1587 01:33:57.840 --> 01:33:58.039 Right. 1588 01:33:58.560 --> 01:34:02.520 Well, here's what I'm getting at. I don't want to 1589 01:34:02.560 --> 01:34:06.399 have capital tied up anymore, and I would like to 1590 01:34:06.479 --> 01:34:10.000 have the I'd like to pay only for what I'm using, 1591 01:34:11.000 --> 01:34:18.920 so I think that I would like to, you know, 1592 01:34:19.079 --> 01:34:24.119 have a car that I leased this time, so it's 1593 01:34:24.159 --> 01:34:26.239 the first time in my life i'd be a candidate. 1594 01:34:26.520 --> 01:34:30.119 I can. I hardly put mileage on it. I want 1595 01:34:30.119 --> 01:34:32.159 a nice card and you pay by the month, you know. 1596 01:34:32.760 --> 01:34:35.319 So what do you guys think? By the way, my 1597 01:34:35.439 --> 01:34:37.680 YouTube morons, you got to help me out here because 1598 01:34:37.680 --> 01:34:41.720 this is something I don't understand. What does it mean? 1599 01:34:42.560 --> 01:34:46.520 Would love you join us? Martine Morons on Discord? So 1600 01:34:46.600 --> 01:34:49.720 do we have a separate conversation going on with my 1601 01:34:49.840 --> 01:34:54.560 online streamers on Discord? Can somebody help me with that? 1602 01:34:55.000 --> 01:34:58.239 Let me know and I'm going to sign up for that. Meanwhile, 1603 01:34:58.279 --> 01:35:02.560 Bruce with the washing machine. We're trying to get our 1604 01:35:02.600 --> 01:35:05.600 people on. We left a message for our appliance people. 1605 01:35:06.079 --> 01:35:09.880 But here's what I would like to do. I want 1606 01:35:09.920 --> 01:35:12.000 to give it to one of my people here to 1607 01:35:12.159 --> 01:35:14.960 coordinate with Roma to get Roma on the air. I 1608 01:35:15.000 --> 01:35:17.279 want to talk about what Roma does anyway, you know 1609 01:35:17.359 --> 01:35:21.960 what appliance repair is hard and it's ridiculous. And then 1610 01:35:22.119 --> 01:35:24.399 there used to be a guy Zach, Zach, you know 1611 01:35:24.439 --> 01:35:30.199 who you are. You text me, so, Zach, can you 1612 01:35:30.279 --> 01:35:34.439 text me and let me know what's going on with 1613 01:35:34.840 --> 01:35:38.159 your appliance repair company? Are you still doing it? You 1614 01:35:38.279 --> 01:35:41.039 used to be on the referral list. You know, here's 1615 01:35:41.079 --> 01:35:45.399 the problem the referral list for appliance repair. A lot 1616 01:35:45.399 --> 01:35:48.239 of people don't look there or haven't looked there, so 1617 01:35:48.479 --> 01:35:51.039 they don't get the action a lot of other members 1618 01:35:51.119 --> 01:35:53.399 do on the referral list. Our referral list was the 1619 01:35:53.439 --> 01:35:56.520 first list of his kind ever, and people used to 1620 01:35:56.560 --> 01:35:59.199 go there for almost everything but certain things. For some reason, 1621 01:36:00.000 --> 01:36:02.720 people weren't conditioned to go there. And for some reason, 1622 01:36:02.960 --> 01:36:06.039 my people in the appliance repair category say they don't 1623 01:36:06.119 --> 01:36:08.680 get a lot of action, and I want to change 1624 01:36:08.680 --> 01:36:13.760 that because they're such good people. So anyway, some guy 1625 01:36:13.840 --> 01:36:16.119 was texting me about EVS. He says, I'm not a 1626 01:36:16.119 --> 01:36:19.600 fan of electric cars. I work for a distributor that 1627 01:36:19.720 --> 01:36:26.119 sells materials to electric utilities and have sold car chargers. 1628 01:36:26.560 --> 01:36:30.239 Plus I've personally been driving all electric for four years now. 1629 01:36:30.319 --> 01:36:31.239 And he's not a big fan. 1630 01:36:31.439 --> 01:36:34.000 And he says, hey, you know what, I'd gladly weigh 1631 01:36:34.039 --> 01:36:34.960 in on what you should buy. 1632 01:36:35.000 --> 01:36:36.319 Blah blah blah. So thanks for that. 1633 01:36:36.880 --> 01:36:41.840 You know, experts are experts because they know where to 1634 01:36:41.880 --> 01:36:46.600 look for wisdom. I mean I learn from others. I 1635 01:36:46.640 --> 01:36:52.399 didn't manufacture this wisdom. I learn from others over fifty years. 1636 01:36:53.479 --> 01:36:56.399 That's what makes a genius is sucking off of others. 1637 01:36:57.439 --> 01:36:59.880 If you think you know it all, you're an idiot. 1638 01:37:00.840 --> 01:37:04.600 Now let's talk three O three seven one three eight 1639 01:37:04.640 --> 01:37:11.600 two five five evs good bed indifferent. Now let me 1640 01:37:11.680 --> 01:37:15.439 give you this one. Okay, this is something for Brian Burns. 1641 01:37:15.439 --> 01:37:20.520 We're gonna get on. So this text about the clue reports. 1642 01:37:20.840 --> 01:37:25.159 We will talk about when you when we get Brian 1643 01:37:25.199 --> 01:37:28.000 Burns on, and that's in the next hour, right. Kachina 1644 01:37:28.039 --> 01:37:33.000 Calori that is crypt and Kachina is a nickname I 1645 01:37:33.039 --> 01:37:35.520 give her because her name is funny and I love 1646 01:37:35.600 --> 01:37:38.239 calling her Kachina. It's Kelly Katura, and then I just 1647 01:37:38.319 --> 01:37:40.960 call her Kachina Chlory. By the way, Kachina Glory just 1648 01:37:41.000 --> 01:37:45.439 went there last night? Did you ever go there? Kachina? 1649 01:37:45.720 --> 01:37:48.560 I have it yet, but I cherry Creek, No, not yet. 1650 01:37:49.279 --> 01:37:52.039 What is It's Italian? It's oh, it's been there a while. 1651 01:37:52.279 --> 01:37:54.920 It's an Italian place. It's been there a while, Dmitri, 1652 01:37:55.039 --> 01:37:58.079 you ever go to Kachina Glory. Where is that in 1653 01:37:58.159 --> 01:38:01.319 Cherry Creek, North No, I've never been there. It's pretty cool. 1654 01:38:01.520 --> 01:38:03.560 I hear nothing but great things about it. 1655 01:38:03.760 --> 01:38:05.680 Yes, it's really a lot of fun and the food 1656 01:38:05.760 --> 01:38:07.840 is great and parking is easy. 1657 01:38:08.520 --> 01:38:11.840 Okay. And also, dimitriec, you have a you have something 1658 01:38:11.920 --> 01:38:15.800 for you want something for Compass insurance? 1659 01:38:15.920 --> 01:38:18.319 Yeah, you know what's interesting is I looked up. I 1660 01:38:18.640 --> 01:38:21.880 asked the Google a question. I said, are fraudulent debit 1661 01:38:21.920 --> 01:38:25.840 card charges covered by homeowners insurance? And the answer was yes, 1662 01:38:26.359 --> 01:38:29.359 there are homeowners policy that offer that option, but it 1663 01:38:29.399 --> 01:38:31.359 has to be requested and you have to pay for 1664 01:38:31.399 --> 01:38:33.720 that option. I've never heard of that until I was 1665 01:38:33.760 --> 01:38:37.640 researching Robert as Wells Fargo case. So I would love 1666 01:38:37.680 --> 01:38:40.119 to get what Yeah, I was very so, what do 1667 01:38:40.199 --> 01:38:44.000 they cover you for fraudulent charges to your debit cards? 1668 01:38:44.000 --> 01:38:46.560 Come on, that's what the under auto insurance? 1669 01:38:46.680 --> 01:38:50.039 No, no, homeowners homeowners and renters? 1670 01:38:50.159 --> 01:38:52.439 Is it kind of like part of the identity theft thing? 1671 01:38:52.680 --> 01:38:55.960 Exactly? That's identity theft was part of the answer. So 1672 01:38:55.960 --> 01:38:58.159 I'd love to get Compass insurance. 1673 01:38:57.840 --> 01:38:58.840 I gain on this matter. 1674 01:38:59.119 --> 01:39:00.960 I do too, because I would have to sign up 1675 01:39:01.000 --> 01:39:03.760 for it just in case. I assume it's a very 1676 01:39:03.760 --> 01:39:05.279 affordable option for coverage. 1677 01:39:05.359 --> 01:39:06.159 It's a good idea. 1678 01:39:06.800 --> 01:39:10.159 Okay, so we Bruce, hang on there, Bro, We're gonna 1679 01:39:10.159 --> 01:39:12.880 get some experts on I'm Tom Martino three oh three 1680 01:39:12.960 --> 01:39:15.079 seven to one three Talk seven oh three two fivey five. 1681 01:39:15.119 --> 01:39:20.439 Waterpros dot net the absolute best water conditioning systems, whether 1682 01:39:20.479 --> 01:39:25.960 it's filtration, protection from chemicals, drinking water, reverse osmosis, or 1683 01:39:26.000 --> 01:39:29.760 softening waterpros dot net three oh three eight six two five, 1684 01:39:29.880 --> 01:39:36.920 five five four. Go with a sure thing Denver's best 1685 01:39:37.000 --> 01:39:39.880 roofer Excel Roofing dot com. You don't pay a cent 1686 01:39:40.079 --> 01:39:46.279 until you're content. Time for an insurance checkup, free no 1687 01:39:46.359 --> 01:39:50.720 obligation comparison call Compass Insurance paying too much your coverage 1688 01:39:50.720 --> 01:39:53.399 at dozens of insurance companies find out now three oh 1689 01:39:53.439 --> 01:39:55.800 three seven to seven to one help. You'll think you're 1690 01:39:55.840 --> 01:39:58.359 his only customer when you choose Frank Durand the real 1691 01:39:58.439 --> 01:40:01.439 estate Man dot com to listen your home with Remax 1692 01:40:01.479 --> 01:40:05.680 Alliance three oh three nine two zero sixteen twenty two. 1693 01:40:08.479 --> 01:40:12.239 Hey Tom Archino, you're a troubleshooter at three o three 1694 01:40:12.359 --> 01:40:17.960 seven one three talk seven one three eight two five five. 1695 01:40:18.640 --> 01:40:19.800 Let's see whose turn it is? 1696 01:40:20.479 --> 01:40:20.800 Brian? 1697 01:40:22.840 --> 01:40:23.439 What's going on? 1698 01:40:23.479 --> 01:40:23.760 Brian? 1699 01:40:26.119 --> 01:40:27.159 I'll give me one second. 1700 01:40:27.199 --> 01:40:29.399 Okay, sorry, are. 1701 01:40:29.319 --> 01:40:32.560 You there, hi, Brian? Yes, what's going on? 1702 01:40:34.520 --> 01:40:35.039 Okay? 1703 01:40:35.600 --> 01:40:35.720 Hi? 1704 01:40:35.920 --> 01:40:38.359 I used to work at King super Hi. I used 1705 01:40:38.399 --> 01:40:40.000 to work at King Supers and Conifers. 1706 01:40:41.680 --> 01:40:47.399 Yeah. Yes, on top of. 1707 01:40:47.479 --> 01:40:49.960 Being I don't know. I don't know how to explain them, 1708 01:40:50.000 --> 01:40:51.159 but they will not give. 1709 01:40:50.960 --> 01:40:51.960 Me my W two. 1710 01:40:52.680 --> 01:40:53.439 They won't even bear. 1711 01:40:53.600 --> 01:40:56.039 Okay, let me ask you. Okay, hold on, let me 1712 01:40:56.399 --> 01:40:58.399 let me ask you a couple of questions. When did 1713 01:40:58.439 --> 01:41:00.920 you work at King Supers? 1714 01:41:01.680 --> 01:41:04.199 Okay, I worked there in October. 1715 01:41:05.319 --> 01:41:07.399 Oh, little bit of coourse. I had been through a 1716 01:41:07.399 --> 01:41:09.600 little bit of stuff, so my day's am going to 1717 01:41:09.600 --> 01:41:10.000 be accurate. 1718 01:41:10.039 --> 01:41:12.720 Okay, but that's okay. So did you work there? How 1719 01:41:12.760 --> 01:41:14.760 long did you work there? I'm going to get right 1720 01:41:14.800 --> 01:41:17.479 to the bottom line and help you help. A year? 1721 01:41:18.239 --> 01:41:19.279 And when did you leave? 1722 01:41:21.359 --> 01:41:23.479 October? So it was October to October? 1723 01:41:24.279 --> 01:41:25.000 So let me let. 1724 01:41:25.079 --> 01:41:28.119 Okay, So you need did you get Did you get 1725 01:41:28.159 --> 01:41:32.159 your W two for twenty three from the October, November 1726 01:41:32.159 --> 01:41:32.840 and December? 1727 01:41:34.560 --> 01:41:35.720 No, I have not yet. 1728 01:41:37.319 --> 01:41:39.520 So you've gotten no. I apology. 1729 01:41:40.479 --> 01:41:43.359 Yes last year I did, but I have not. 1730 01:41:43.359 --> 01:41:47.439 Gotten you, Brian, hold on one second. 1731 01:41:47.520 --> 01:41:52.239 When you say last year, listen, So you worked there October, 1732 01:41:52.760 --> 01:41:59.680 November and December of twenty three in the year just passed, 1733 01:42:00.600 --> 01:42:04.520 you work January through October. Which W two? 1734 01:42:04.680 --> 01:42:05.680 Did you get. 1735 01:42:07.119 --> 01:42:09.600 The first one? 1736 01:42:09.960 --> 01:42:10.279 Okay? 1737 01:42:10.439 --> 01:42:11.479 The three month one? 1738 01:42:12.600 --> 01:42:12.960 Yes, sir? 1739 01:42:14.560 --> 01:42:14.880 Okay. 1740 01:42:15.520 --> 01:42:19.039 Now, so you did not get the twenty twenty. 1741 01:42:18.800 --> 01:42:26.399 Four which you have to file by April fifteenth this year. Correct, 1742 01:42:27.319 --> 01:42:30.600 you file it this year. But the W two you're 1743 01:42:30.640 --> 01:42:35.800 waiting on is January through October of twenty twenty four. 1744 01:42:37.399 --> 01:42:37.760 Correct. 1745 01:42:39.319 --> 01:42:41.479 Okay, why did you not get it? 1746 01:42:44.359 --> 01:42:46.920 I haven't got it yet. They said they would melt 1747 01:42:46.960 --> 01:42:49.760 it out by February first, but I was making sure. 1748 01:42:49.800 --> 01:42:53.159 I have moved four times this year last year, so 1749 01:42:53.279 --> 01:42:55.560 I'm making sure to verify my address to make sure 1750 01:42:55.560 --> 01:42:58.760 they have my right address. And they sent me to 1751 01:42:58.920 --> 01:43:02.840 corporate office, me to another different type of office, and 1752 01:43:02.880 --> 01:43:07.600 then they just kept sending me around. They let people 1753 01:43:07.680 --> 01:43:10.720 drink on the job, They have sex with each other 1754 01:43:10.760 --> 01:43:14.039 on the job. It's a horrible place. They treat everybody 1755 01:43:14.079 --> 01:43:17.479 like crap. The managers get raises and promotions while we 1756 01:43:17.720 --> 01:43:21.000 sit there and beg the good people to go up 1757 01:43:21.079 --> 01:43:23.319 in the business. And we get crapped on. 1758 01:43:23.479 --> 01:43:24.399 We always get. 1759 01:43:24.199 --> 01:43:27.119 Set part time. We never get back to full time. 1760 01:43:28.199 --> 01:43:31.439 Some kind of thing that they say to deal with corporate, 1761 01:43:31.520 --> 01:43:33.079 but it never gets fixed. 1762 01:43:34.479 --> 01:43:36.600 Okay. So, by the way, briand do you have another 1763 01:43:36.600 --> 01:43:37.600 place you're working now? 1764 01:43:38.880 --> 01:43:40.840 I'm at budget in a lab. This is my old 1765 01:43:40.920 --> 01:43:43.760 job that I was at eight years ago. 1766 01:43:44.359 --> 01:43:45.039 Do you like it? 1767 01:43:45.119 --> 01:43:48.279 And I've been here, you love it. It's in the street, 1768 01:43:48.359 --> 01:43:48.960 that's bids. 1769 01:43:51.000 --> 01:43:54.079 Okay, Now I want to There's a few things I. 1770 01:43:54.039 --> 01:43:54.800 Want to talk about. 1771 01:43:56.640 --> 01:43:58.760 I think first of all, you need to know this 1772 01:43:59.640 --> 01:44:02.359 that there is no requirement. Well, there is a requirement. 1773 01:44:02.399 --> 01:44:04.920 They give you a W two, but you don't have 1774 01:44:05.000 --> 01:44:11.000 to let it affect your filing if you estimate now 1775 01:44:11.039 --> 01:44:13.199 it's going to be hard to do. But do you 1776 01:44:13.319 --> 01:44:18.199 have a paycheck stub? Any of them from twenty twenty four. 1777 01:44:20.119 --> 01:44:21.439 Fishing supers? 1778 01:44:22.479 --> 01:44:24.199 Yeah? 1779 01:44:24.279 --> 01:44:27.199 Okay, so Tom Martino, no, I do not. They have 1780 01:44:27.279 --> 01:44:30.880 this system that's called my Info and my Time that 1781 01:44:30.920 --> 01:44:33.079 you get in on right, have a number that they 1782 01:44:33.119 --> 01:44:34.720 give you and then a password. 1783 01:44:34.880 --> 01:44:35.119 Yes. 1784 01:44:35.119 --> 01:44:38.119 Well, now that I've been I don't work there anymore. 1785 01:44:38.199 --> 01:44:41.279 You have no access, so we can't get that. I 1786 01:44:41.319 --> 01:44:44.840 have no access, so then they think you're around to 1787 01:44:44.880 --> 01:44:45.600 the Rigmarow. 1788 01:44:46.960 --> 01:44:47.720 No, I get it. 1789 01:44:48.199 --> 01:44:54.199 Listen, you never retained a PDF or a printed ever 1790 01:44:54.439 --> 01:44:58.039 paycheck or pay stub ever from twenty twenty four, not 1791 01:44:58.079 --> 01:44:58.600 one of them. 1792 01:45:00.319 --> 01:45:03.119 The first to paychecks I did. 1793 01:45:04.960 --> 01:45:09.800 Of what, I'm twenty twenty depositive. Hold on, I get it. 1794 01:45:10.079 --> 01:45:11.760 So you did get a direct deposit. 1795 01:45:13.039 --> 01:45:15.720 I get what you're saying. Okay, So no, Now I 1796 01:45:15.760 --> 01:45:16.119 want you. 1797 01:45:16.079 --> 01:45:16.840 To hold on, Brian. 1798 01:45:17.720 --> 01:45:19.439 I just want you to hold on, and I'm going 1799 01:45:19.479 --> 01:45:21.159 to come back to you. I do have some ideas 1800 01:45:21.159 --> 01:45:25.039 for you, and I understand the frustration, especially when you 1801 01:45:25.079 --> 01:45:27.439 didn't like how they treated you. So hang on. I'm 1802 01:45:27.439 --> 01:45:29.319 going to come back and help you. I'm Tom Martinez 1803 01:45:29.359 --> 01:45:32.239 Moore coming up. I go with a sure thing Denver's 1804 01:45:32.279 --> 01:45:35.199 Best roofer Excel Roofing dot com. You don't pay a 1805 01:45:35.279 --> 01:45:41.760 cent until you're content. Time for an insurance checkup free 1806 01:45:41.840 --> 01:45:45.880 no obligation comparison call Compass Insurance paying too much your 1807 01:45:45.920 --> 01:45:48.840 coverage at dozens of insurance companies find out now three 1808 01:45:48.920 --> 01:45:51.439 oh three seven seven to one help. You'll think you're 1809 01:45:51.479 --> 01:45:54.000 his only customer. When you choose Frank durand the Real 1810 01:45:54.079 --> 01:45:57.079 Estate man dot com to list your home with Remax 1811 01:45:57.119 --> 01:46:00.000 Alliance three oh three nine two zero sixteen twenty two, 1812 01:46:05.520 --> 01:46:10.920 ripped up new need ad By so you don't have. 1813 01:46:13.079 --> 01:46:13.800 Come running. 1814 01:46:14.079 --> 01:46:18.680 Just as fast as we can, Shooter's gonna help come 1815 01:46:19.279 --> 01:46:20.560 man Dix. 1816 01:46:20.800 --> 01:46:25.079 He is the Troubleshooter show. No Tom Martine. 1817 01:46:26.720 --> 01:46:31.520 Hey, I'm Tom Martino, your trouble Shooter. Welcome to the show. 1818 01:46:31.960 --> 01:46:34.840 If you're streaming, you see this handsome young man, that's 1819 01:46:34.920 --> 01:46:36.880 me and then the guy next. I'm just kidding. The 1820 01:46:36.920 --> 01:46:40.880 handsome young man is Henry Brett's Excel roofing. He's alongside 1821 01:46:40.960 --> 01:46:44.079 me here, and you know, I look at I go 1822 01:46:44.159 --> 01:46:48.079 back with Excel from their very beginning. And in fact, Jay, 1823 01:46:49.239 --> 01:46:52.439 his kids and my kids were born months apart each one, 1824 01:46:52.720 --> 01:46:56.000 so they've known each other in the crib. I've known 1825 01:46:56.079 --> 01:46:59.760 Jay even when he had great looking hair. And he 1826 01:47:00.119 --> 01:47:03.359 isn't gray, although he's really not. Hey, he's way younger 1827 01:47:03.359 --> 01:47:06.640 than me. So what's happening in your life? And how 1828 01:47:06.680 --> 01:47:09.319 can we help you? Is that the question I ask 1829 01:47:09.399 --> 01:47:10.039 a million times? 1830 01:47:10.119 --> 01:47:10.600 Yes it is. 1831 01:47:11.199 --> 01:47:16.640 So we're waiting for our expert. Uh Kachina help me 1832 01:47:16.680 --> 01:47:18.359 out here. We were going to get Roma on is 1833 01:47:18.399 --> 01:47:20.880 that right? Is he going to be available? You have 1834 01:47:20.920 --> 01:47:27.920 the message. God, we haven't heard from Rama. I know 1835 01:47:27.920 --> 01:47:29.640 you're working hard, but we want to get you on. 1836 01:47:29.680 --> 01:47:31.039 It would straight to voice Bill. 1837 01:47:33.279 --> 01:47:37.039 Damn it. We might have to move Bruce. What's that 1838 01:47:37.399 --> 01:47:38.840 I'm working on Brian. 1839 01:47:41.520 --> 01:47:45.000 On Brian for compass insurance? 1840 01:47:45.239 --> 01:47:48.399 Good? And then I want to go to Brian. So 1841 01:47:48.439 --> 01:47:53.560 we left off with Brian, and Brian needs the W 1842 01:47:53.680 --> 01:47:58.399 two's And what I said was if she had direct deposit, 1843 01:47:58.800 --> 01:48:01.359 she can pull up the trans action and get an 1844 01:48:01.479 --> 01:48:05.279 estimate of her gross and her net, how much was 1845 01:48:05.319 --> 01:48:07.920 taken out by state and how much was taken out 1846 01:48:07.920 --> 01:48:11.159 for federal and FIKA. She can use that to multiply 1847 01:48:11.359 --> 01:48:15.359 by the number of pay cycles twenty six, twenty five, twelve, 1848 01:48:15.359 --> 01:48:19.479 whatever it is, and then do an estimate. The IRS 1849 01:48:19.760 --> 01:48:23.600 accepts estimates of a W two with a note saying 1850 01:48:23.920 --> 01:48:28.119 they have not released my W two or they have 1851 01:48:28.199 --> 01:48:31.439 not sent me a W two. The IRS will not 1852 01:48:31.479 --> 01:48:35.000 penalize you, and it's going to be good. And if 1853 01:48:35.000 --> 01:48:37.439 they if they might even try to get to W 1854 01:48:37.560 --> 01:48:40.039 two and make the corrections for you. But that's what 1855 01:48:40.119 --> 01:48:43.920 you do and pull up as many as you can 1856 01:48:44.000 --> 01:48:47.520 direct deposits. That's a full record and it should have 1857 01:48:48.039 --> 01:48:50.880 the stub. If it doesn't, then what you need to 1858 01:48:50.920 --> 01:48:53.720 do is if you only have one stub or two, 1859 01:48:53.880 --> 01:48:54.680 that's fine. 1860 01:48:54.840 --> 01:48:55.840 You do your estimates. 1861 01:48:55.880 --> 01:48:59.560 For example, if you're paid every two weeks, whatever that 1862 01:48:59.600 --> 01:49:02.479 turns out to be the number of cycles, you multiply 1863 01:49:02.640 --> 01:49:07.319 what you see there for everything, and you estimate how 1864 01:49:07.399 --> 01:49:10.279 much you grossed, how much you netted, how much was 1865 01:49:10.319 --> 01:49:13.359 taken out for state, how much was taken out for federal, 1866 01:49:14.000 --> 01:49:16.760 and all of those questions. So get a W two. 1867 01:49:17.199 --> 01:49:20.520 So when they ask for the amount in box number 1868 01:49:20.640 --> 01:49:23.560 so and so, if it's state, then you go to 1869 01:49:23.640 --> 01:49:26.359 your stub. You multiply the state out by how many 1870 01:49:26.399 --> 01:49:29.079 pay periods and you put that in there as an estimate. 1871 01:49:29.479 --> 01:49:32.079 You actually can write a note saying W two is 1872 01:49:32.159 --> 01:49:34.880 not issued, or they did not send me a W two, 1873 01:49:35.479 --> 01:49:37.960 or despite my best efforts. 1874 01:49:37.800 --> 01:49:39.600 I could they will not send me one. 1875 01:49:39.840 --> 01:49:42.560 Just tell it like it is, and that's how you 1876 01:49:42.600 --> 01:49:52.359 handle this situation. Yeah, brand, Now we could also do 1877 01:49:52.399 --> 01:49:59.479 one other thing. If you want, Deputy Dollar, are you there, Yes, 1878 01:49:59.520 --> 01:50:01.159 I'm here to Deputy Dollar. 1879 01:50:01.600 --> 01:50:01.840 Yep. 1880 01:50:02.199 --> 01:50:06.319 Dollar, listen, can you light a fire for her at 1881 01:50:06.399 --> 01:50:11.159 King's at Uh what is it, Kroger, Yeah, Kroger, Yeah, 1882 01:50:11.439 --> 01:50:14.239 let's here. So we're gonna do two things. I just 1883 01:50:14.319 --> 01:50:17.720 gave you the what we call the d y I suggestions, 1884 01:50:18.560 --> 01:50:20.920 but I'm also going to give this to Deputy Dollar, 1885 01:50:20.920 --> 01:50:24.439 and we call him that because in another life, when 1886 01:50:24.479 --> 01:50:31.199 he was young and vibrant, he was an accountant. Right, 1887 01:50:32.039 --> 01:50:35.119 he's still young, He's still young, He's still young and vibrant. 1888 01:50:35.279 --> 01:50:37.199 I'm just giving these guys a bunch of craft lists 1889 01:50:37.199 --> 01:50:39.560 and they're all healthier than me right now. So listen, 1890 01:50:39.960 --> 01:50:44.640 So let's uh Dollar, let's try to help her. Okay, certainly, 1891 01:50:44.680 --> 01:50:48.960 we'll go ahead and do that and then see what 1892 01:50:49.039 --> 01:50:51.920 pace you can find Dollar to help her out, and 1893 01:50:51.960 --> 01:50:55.399 then we'll probably get these people. Just light a fire 1894 01:50:55.479 --> 01:50:58.359 underhim brand You're you're gonna be in good hands. He'll 1895 01:50:58.359 --> 01:51:00.119 be calling you. Okay. 1896 01:51:00.720 --> 01:51:02.359 I appreciate you so much. 1897 01:51:02.520 --> 01:51:06.439 You have done more hey than they have since I 1898 01:51:06.520 --> 01:51:07.039 worked for them. 1899 01:51:08.880 --> 01:51:12.319 Well, keep your chin up and we will continue helping 1900 01:51:12.359 --> 01:51:16.279 you and thank you very much. By the way, in general, 1901 01:51:17.359 --> 01:51:20.159 I don't ever say this, but if you ever feel 1902 01:51:20.159 --> 01:51:22.199 like putting a review in for what we do for people, 1903 01:51:22.279 --> 01:51:24.920 do it. I mean you know, there's nothing wrong with 1904 01:51:24.960 --> 01:51:28.319 saying that. I mean, because it's I have the kind 1905 01:51:28.319 --> 01:51:31.800 of business people don't think about reviewing. They really don't. 1906 01:51:31.840 --> 01:51:33.680 They don't think about it. They think what you're on 1907 01:51:33.760 --> 01:51:36.840 the radio, you know, review yourself. Anyway, Troy, you have 1908 01:51:36.880 --> 01:51:40.359 a comment that I find very interesting here because I'm 1909 01:51:40.359 --> 01:51:43.720 not sure what it's about. Hi, Troy, I'm Tom Martine. 1910 01:51:43.840 --> 01:51:44.479 What's going on? 1911 01:51:45.960 --> 01:51:46.159 Hey? 1912 01:51:46.239 --> 01:51:46.800 Tom? 1913 01:51:47.079 --> 01:51:47.279 Hey? 1914 01:51:47.800 --> 01:51:51.560 Last years the state tried to push through an assault 1915 01:51:51.600 --> 01:51:57.399 weapons band and it failed miserably because their definition of 1916 01:51:57.439 --> 01:52:03.600 what an assault weapon was was yeah written. Well this year, yeah, 1917 01:52:03.680 --> 01:52:06.359 they figured out how to get around the problem. Uh 1918 01:52:06.479 --> 01:52:12.319 they're big. Yeah, they're trying to ban any semi automatic 1919 01:52:12.760 --> 01:52:16.479 firearm with a detachable magazine. You will not be able 1920 01:52:16.520 --> 01:52:23.399 to purchase one, uh transfer one. So this is like 1921 01:52:23.680 --> 01:52:24.640 way over the top. 1922 01:52:25.720 --> 01:52:27.800 So if you haven't, well who told you this? I 1923 01:52:27.800 --> 01:52:30.399 I don't just help me out? Who told you this? 1924 01:52:32.039 --> 01:52:32.199 No? 1925 01:52:32.279 --> 01:52:33.159 This is true? 1926 01:52:33.840 --> 01:52:35.680 Well no, no, I don't doubt it's true. I just 1927 01:52:35.720 --> 01:52:38.039 don't know about it. So how do you know about it? 1928 01:52:38.159 --> 01:52:38.359 Uh? 1929 01:52:38.720 --> 01:52:45.319 Deputy D And go ahead, you two, sir. I'm sorry, Yeah, 1930 01:52:45.359 --> 01:52:48.760 I'm talking to both of you. Tell me how I 1931 01:52:48.840 --> 01:52:50.279 find out more Troy. 1932 01:52:51.119 --> 01:52:54.560 So you go to the Colorado General General Assembly and 1933 01:52:54.600 --> 01:52:58.399 it's Senate Bill twenty five zero zero three. 1934 01:52:59.479 --> 01:53:01.560 Uh, okay, I'm going to put that on hold on 1935 01:53:02.239 --> 01:53:05.159 it's SB. What give me the number again, SB? 1936 01:53:05.319 --> 01:53:15.079 What two five? That's zero zero three? Yeah? Uh semiantematic 1937 01:53:15.279 --> 01:53:18.600 firearms and rapid look at our device? 1938 01:53:18.720 --> 01:53:19.039 Got it? 1939 01:53:20.279 --> 01:53:24.079 Okay? So what do you know, Deputy d Yes, it's okay. 1940 01:53:24.119 --> 01:53:27.760 It's Sentate built twenty five zero zero three and it 1941 01:53:27.800 --> 01:53:30.960 was introduced January eighth. My god, they didn't waste much time. 1942 01:53:31.000 --> 01:53:35.479 Twenty twenty five aims to prohibit the manufacturer, distribution, transfer, sale, 1943 01:53:35.760 --> 01:53:42.000 purchase of specific semi automatic firearms that that accept detachable magazines. 1944 01:53:42.560 --> 01:53:47.199 The legislation would affect many pistols and rifles, as manufacturers 1945 01:53:47.239 --> 01:53:53.399 typically do not produce these firearms without removal magazines. It's 1946 01:53:53.920 --> 01:53:56.680 it's only like the sixth revolver or something. 1947 01:53:56.720 --> 01:53:59.920 They don't know that's going to be left as the revolvers. 1948 01:53:59.239 --> 01:54:02.239 And so the The bill also seeks to ban rapid 1949 01:54:02.319 --> 01:54:07.239 fire trigger activators, bump stocks, devices that can increase the 1950 01:54:07.279 --> 01:54:11.359 firearms rate of fire, and then also firearms with detachable 1951 01:54:11.439 --> 01:54:15.800 magazines already in possession. Within Colorado would be grandfathered in, 1952 01:54:16.239 --> 01:54:20.079 meaning the ban would apply to firearms sold in the 1953 01:54:20.119 --> 01:54:23.479 state after the bill becomes law. As of January twenty first, 1954 01:54:23.520 --> 01:54:28.039 twenty twenty five, SB twenty five zero zero three has 1955 01:54:28.079 --> 01:54:32.720 been introduced and assigned to a committee. The bill sponsors 1956 01:54:32.800 --> 01:54:38.199 hope to advance it to the floor by February. So speak, sir, 1957 01:54:38.319 --> 01:54:39.039 what should we do? 1958 01:54:39.159 --> 01:54:40.560 Troy? 1959 01:54:41.560 --> 01:54:47.439 We should definitely call our wonderful governor and strongly encourage 1960 01:54:47.479 --> 01:54:49.199 him to beto this bill. 1961 01:54:50.520 --> 01:54:54.319 Come on, do you really come on, bro? Do you 1962 01:54:54.439 --> 01:54:55.199 really believe? 1963 01:54:55.920 --> 01:54:57.960 And it'll get through the House. 1964 01:54:59.479 --> 01:55:03.840 Of course, Will and the governor. The governor is the same, 1965 01:55:04.000 --> 01:55:06.840 They're all of the same, Ilk and Troy. 1966 01:55:07.000 --> 01:55:09.720 You know, there's some reason to be optimistic. I mean, 1967 01:55:09.800 --> 01:55:12.960 the last session they did try to ram through a 1968 01:55:13.199 --> 01:55:17.439 much less ambitious version of this bill, and it failed miserably, 1969 01:55:17.520 --> 01:55:20.680 and it failed pretty quickly. This time they bid off 1970 01:55:20.760 --> 01:55:24.760 even more so. I mean, do we have any reason 1971 01:55:24.840 --> 01:55:26.039 to even worry about this? 1972 01:55:27.119 --> 01:55:30.319 Yeah, because the reason it failed last time was their 1973 01:55:30.600 --> 01:55:34.319 definition of what a soul weapon was was just a 1974 01:55:34.359 --> 01:55:38.119 whole laundry list and very confusing. It would have Their 1975 01:55:38.159 --> 01:55:42.880 last ability's even banned black powder fifty caliber rifles. It 1976 01:55:42.920 --> 01:55:43.560 was so bad. 1977 01:55:43.680 --> 01:55:46.159 Well, I agree with you that there's nothing confusing about 1978 01:55:46.199 --> 01:55:47.279 this version of the bill. 1979 01:55:47.479 --> 01:55:49.119 No, it's not. It's pretty damn. 1980 01:55:49.039 --> 01:55:52.439 Given how ambitious it is, and given how much success 1981 01:55:52.720 --> 01:55:55.359 you know, our pro freedom side has had at the 1982 01:55:55.399 --> 01:55:58.119 Supreme Court in the past few years, is there really 1983 01:55:58.159 --> 01:55:59.159 anything to worry about? 1984 01:56:00.800 --> 01:56:04.000 Well, I have no doubt that if it does get past, 1985 01:56:04.119 --> 01:56:06.000 it's going to go to the courts and be battled 1986 01:56:06.000 --> 01:56:07.800 in the courts, and there's going to be an injunction. 1987 01:56:08.640 --> 01:56:13.279 So it's our governor that has ambitions for a higher office. 1988 01:56:13.680 --> 01:56:17.520 Uh yeah. He is lining himself up to be the 1989 01:56:18.479 --> 01:56:25.000 uh the moderate, uh liberal, and so these guys are 1990 01:56:25.520 --> 01:56:27.560 pushing a bill to him that he's going to be 1991 01:56:27.640 --> 01:56:31.359 forced to either reject or sign. Then he's going to 1992 01:56:31.600 --> 01:56:32.720 piss off both sides. 1993 01:56:34.319 --> 01:56:35.199 I agree with that. 1994 01:56:35.560 --> 01:56:38.239 But you know, the people who are writing and and 1995 01:56:38.439 --> 01:56:40.760 arguing in favor of this bill, they're just grand standing. 1996 01:56:40.760 --> 01:56:44.520 They're pandering to their base, they're pandering to various special interests. 1997 01:56:44.920 --> 01:56:46.960 And I have a feeling even they know this bill 1998 01:56:47.000 --> 01:56:48.319 doesn't have a snowballs chance. 1999 01:56:51.000 --> 01:56:51.920 You know what's amazing. 2000 01:56:52.039 --> 01:56:57.960 I'm sultan was the Senate ye, go ahead. 2001 01:56:58.199 --> 01:56:59.039 It's got to go to both. 2002 01:56:59.800 --> 01:57:02.720 Ye know, when it comes to firearms, it's so controversial. 2003 01:57:03.159 --> 01:57:07.479 You know, I always tend to go skew more towards freedoms, 2004 01:57:08.159 --> 01:57:11.560 you know, I mean, you know, with responsibility and freedom. 2005 01:57:11.600 --> 01:57:15.880 I mean, when are we going to get it? When 2006 01:57:15.920 --> 01:57:20.079 are we going to get it? That that banning weapons? 2007 01:57:22.520 --> 01:57:25.399 I mean, okay, if you make it more difficult to 2008 01:57:25.399 --> 01:57:27.560 get certain weapons, I guess I don't mind if there 2009 01:57:28.159 --> 01:57:31.159 the deadliest weapons on earth and you can actually do 2010 01:57:31.239 --> 01:57:33.000 it without impinging freedoms. 2011 01:57:33.039 --> 01:57:36.119 But I don't know what the answer is. 2012 01:57:36.960 --> 01:57:41.159 Be strong on crime. You know what's amazing, the same 2013 01:57:41.239 --> 01:57:46.000 people looking to ban firearms decriminalize things and make make 2014 01:57:46.119 --> 01:57:51.720 being a criminal easier. I just don't get it. They 2015 01:57:51.840 --> 01:57:55.119 tend to shift the focus, they said, tend to shift 2016 01:57:55.119 --> 01:57:59.840 the focus from people to things that because they don't 2017 01:58:00.119 --> 01:58:05.039 leave in illegal people and illegal action. They people are 2018 01:58:05.199 --> 01:58:08.640 wonderful and they're all going to vote for us. You know, 2019 01:58:08.840 --> 01:58:10.439 let's condemn the thing. 2020 01:58:11.359 --> 01:58:14.680 The thing, and Tom, I have another, you know, offshoot 2021 01:58:14.680 --> 01:58:17.600 to what you just said, which is banning guns is 2022 01:58:17.640 --> 01:58:22.079 a simpleton's solution. So you know, it's very difficult to 2023 01:58:22.119 --> 01:58:24.359 come up with a plan and execute a plan that 2024 01:58:24.399 --> 01:58:27.319 will take guns out of the criminals' hands, that will 2025 01:58:27.319 --> 01:58:30.279 prosecute and punish criminals for using guns wrongfully. 2026 01:58:30.640 --> 01:58:32.119 That is a very difficult thing. 2027 01:58:32.479 --> 01:58:34.720 And it could be that most of the people who 2028 01:58:34.880 --> 01:58:38.319 who support gun control really can't figure out how to 2029 01:58:38.319 --> 01:58:41.239 address what I just said, so they're taking the simpleton's 2030 01:58:41.319 --> 01:58:45.640 way out just to pander to their base. 2031 01:58:47.279 --> 01:58:47.720 Tom. 2032 01:58:48.119 --> 01:58:50.560 It really comes down to there are logical people and 2033 01:58:50.600 --> 01:58:54.079 their emotional people, and the progressives and liberals tend to 2034 01:58:54.119 --> 01:58:56.960 be emotional things that make you feel better. 2035 01:58:57.239 --> 01:58:59.479 Well, you know, now, let's be fair. I mean, we 2036 01:58:59.520 --> 01:59:01.720 can we can all be emotional, and we can all 2037 01:59:01.720 --> 01:59:04.119 be everything. You know. Look, I get it, though, I 2038 01:59:04.159 --> 01:59:07.520 know what you're saying. To a conservative, it looks like, uh, 2039 01:59:08.039 --> 01:59:11.600 liberals operate only on emotion, and and that's what they 2040 01:59:11.600 --> 01:59:13.039 think about conservatives. You know. 2041 01:59:14.039 --> 01:59:17.199 There's the deal. We're all the same. We're all the same. 2042 01:59:17.279 --> 01:59:22.279 And I don't mean in ideology, I mean in motivation, passion, beliefs. 2043 01:59:22.399 --> 01:59:24.159 I mean we're all basically the same. 2044 01:59:24.359 --> 01:59:27.319 We're all people, and then we have different bends and 2045 01:59:27.319 --> 01:59:32.239 and look, I don't know why people have certain philosophies. 2046 01:59:32.239 --> 01:59:34.800 Have you ever thought about that, like, why do people 2047 01:59:34.880 --> 01:59:38.159 skew one way and other people skew another. I've always 2048 01:59:38.199 --> 01:59:39.439 tried to figure that out. 2049 01:59:39.800 --> 01:59:42.560 I don't know the answer. I really don't. 2050 01:59:43.479 --> 01:59:45.840 It's kind of weird. 2051 01:59:46.199 --> 01:59:49.840 Definitely, you know, right brain, left brain. You know, people 2052 01:59:49.960 --> 01:59:54.399 that you know logically think through a problem and versus 2053 01:59:55.720 --> 01:59:59.000 their inputs guide them. 2054 01:59:59.439 --> 02:00:06.479 You know, you know, here's the deal, man, I don't 2055 02:00:06.520 --> 02:00:13.399 think you can legislate feelings, emotions, social issues, you know. 2056 02:00:13.960 --> 02:00:16.880 And but so they go after the guns. 2057 02:00:17.000 --> 02:00:18.840 Do you know what I'm saying, if they were hard 2058 02:00:18.880 --> 02:00:22.239 on crime, I think you would have a lot less 2059 02:00:22.319 --> 02:00:25.399 crime if you were real. Now, there are crazy people 2060 02:00:25.399 --> 02:00:28.199 that are going to be crazy no matter what. But 2061 02:00:28.560 --> 02:00:32.720 certainly we're not hard enough on crime. We really really 2062 02:00:32.760 --> 02:00:34.039 really aren't. 2063 02:00:34.319 --> 02:00:37.880 We're just not anyway. 2064 02:00:38.600 --> 02:00:42.159 Must people believe that, you know, the crime is not 2065 02:00:42.399 --> 02:00:44.800 because of the individual, but because of the environment. 2066 02:00:46.399 --> 02:00:50.560 I know, I know everybody is to blame. Everybody is 2067 02:00:50.600 --> 02:00:54.359 to blame. Look, you know there could be a little bit, 2068 02:00:54.520 --> 02:00:57.319 there could be a little bit environment. I think when 2069 02:00:57.560 --> 02:01:00.199 I think when you sow seeds of division on young 2070 02:01:00.279 --> 02:01:04.119 people like the rich are getting richer. Billionaires are evil. 2071 02:01:04.159 --> 02:01:07.079 I mean, all Democrats do is talk about how evil 2072 02:01:07.479 --> 02:01:11.760 billionaires are and how evil rich people are, and how 2073 02:01:11.800 --> 02:01:15.640 evil's success is and how profit is bad, and how 2074 02:01:15.720 --> 02:01:20.000 Blacks have it disadvantage or Mexicans or whatever. They seed 2075 02:01:20.279 --> 02:01:25.520 divisions because you see, years ago it was it's a 2076 02:01:25.640 --> 02:01:29.760 known fact that if you want to seize and hold power, 2077 02:01:30.680 --> 02:01:34.600 you give people a problem and become their savior. And 2078 02:01:34.640 --> 02:01:37.760 that's what, let's face it, I mean, honest to God, 2079 02:01:37.840 --> 02:01:40.720 that's what democrats do. Now. I'm not saying there are 2080 02:01:40.760 --> 02:01:46.039 no problems, but see these seeds of division and contention 2081 02:01:46.800 --> 02:01:51.840 is their entire playbook. Their entire playbook is how you 2082 02:01:52.560 --> 02:01:57.560 are being treated unfairly. The system is against you because 2083 02:01:57.600 --> 02:02:01.399 of rich white people. I mean, can't you just sum 2084 02:02:01.439 --> 02:02:04.720 that up? I gotta take this break. Thanks for calling 2085 02:02:05.079 --> 02:02:06.199 and getting me pissed off. 2086 02:02:06.199 --> 02:02:06.800 I'm just kidding. 2087 02:02:06.800 --> 02:02:09.199 Three oh three seven to one three talks seven one 2088 02:02:09.239 --> 02:02:16.600 three eight two five five Go with a sure thing 2089 02:02:16.720 --> 02:02:20.039 Denver's best roofer Excel roofing dot com. You don't pay 2090 02:02:20.079 --> 02:02:26.159 a cent until you're content. Time for an insurance check 2091 02:02:26.239 --> 02:02:30.119 up free, no obligation. In comparison, call Compass insurance paying 2092 02:02:30.159 --> 02:02:33.199 too much your coverage at dozens of insurance companies find 2093 02:02:33.199 --> 02:02:35.199 out now three oh three seven to seven to one. 2094 02:02:35.279 --> 02:02:38.119 Help you'll think you're his only customer when you choose 2095 02:02:38.159 --> 02:02:40.640 Frank durand the real estate man dot com to list 2096 02:02:40.680 --> 02:02:43.760 your home with Remax Alliance three oh three nine two 2097 02:02:43.840 --> 02:02:51.479 zero sixteen twenty two. Hi Tom Martino, you're troubleshooter. But 2098 02:02:51.560 --> 02:02:55.600 Peter's got a comment on this, this Senate bill for 2099 02:02:55.640 --> 02:02:58.760 a gunban. I don't think it has a snowballs chance 2100 02:02:58.760 --> 02:03:01.960 of passing, but you never know. Colorado, Colorado is actually 2101 02:03:02.319 --> 02:03:06.039 more liberal than California ever was no excuse me, not 2102 02:03:06.159 --> 02:03:10.680 ever was. But it's way more liberal. What's going on? Peter? 2103 02:03:12.359 --> 02:03:12.479 Hi? 2104 02:03:12.640 --> 02:03:17.000 Tom, thanks for taking my call. I researched this bill 2105 02:03:17.079 --> 02:03:19.239 quite a bit. When I first found out about it. 2106 02:03:19.279 --> 02:03:23.800 I found out about it from Warriors Gunshop anyways up 2107 02:03:23.800 --> 02:03:28.640 there in Lama. But anyways, Bloomberg Corporation, you know, Bloomberg 2108 02:03:29.039 --> 02:03:33.279 for Bloomberg is right, they're behind this, yes, sir, And 2109 02:03:33.319 --> 02:03:38.279 they presented it to Colorado, and they obviously they donated 2110 02:03:38.359 --> 02:03:41.319 money to I think his name is Johnson, who pushed 2111 02:03:41.319 --> 02:03:45.159 it through. But Tom, they okay bill to a lot 2112 02:03:45.199 --> 02:03:48.399 of states already. They pushed his bill on a lot 2113 02:03:48.399 --> 02:03:50.760 of states, and I think they're using Colorado to see 2114 02:03:50.800 --> 02:03:54.840 if it passes, and I'm feeling that it's gonna past. Now. 2115 02:03:54.880 --> 02:03:57.199 There are two things wrong with this bill. One is 2116 02:03:57.720 --> 02:04:00.840 they're going to require the gun manufacturers to old guns 2117 02:04:01.239 --> 02:04:05.880 with out But that's a safety risk because if your 2118 02:04:05.920 --> 02:04:08.479 gun jams, your first thing you do is remove your 2119 02:04:08.520 --> 02:04:12.199 magazine to try and un jam it. And with the 2120 02:04:12.239 --> 02:04:15.079 guns that they want to sell that that are not removable, 2121 02:04:15.119 --> 02:04:18.960 the magazines, you're gonna see a lot of accidents. How 2122 02:04:18.960 --> 02:04:21.239 are you gonna jam your you have a full loaded 2123 02:04:21.319 --> 02:04:23.840 magazine in there, you can't. You can't pull it out. 2124 02:04:24.319 --> 02:04:25.880 That's the first thing you do, is yeah. 2125 02:04:26.000 --> 02:04:30.439 You know. First of all, here's what they did. They 2126 02:04:30.479 --> 02:04:32.760 looked at all the guns they don't like and said, 2127 02:04:33.159 --> 02:04:35.840 what do they have in common? And that's one of 2128 02:04:35.880 --> 02:04:38.000 the things they had in common. You know. The other 2129 02:04:38.039 --> 02:04:44.560 thing they could have banned everything with a trigger. Ha ha ha, Peter. 2130 02:04:44.439 --> 02:04:48.039 You know I'm angry about it also, Tom, and I 2131 02:04:48.079 --> 02:04:50.000 got a feeling with this. 2132 02:04:50.000 --> 02:04:51.319 This this is gonna. 2133 02:04:51.000 --> 02:04:54.039 Pass in Colorado. I got a serious I got a 2134 02:04:54.079 --> 02:04:55.359 bad feeling about this. 2135 02:04:56.399 --> 02:04:57.239 And it's gonna take. 2136 02:04:57.319 --> 02:04:59.800 Like you said, it's gonna take lawsuits, you know, to 2137 02:04:59.800 --> 02:05:04.079 try to stop it. But who knows, you. 2138 02:05:04.079 --> 02:05:07.920 Know, what, uh, what's going on in Colorado? Do you 2139 02:05:07.960 --> 02:05:10.600 think or were or did people move in? You know, 2140 02:05:10.640 --> 02:05:16.760 when I first came here in eighty, it wasn't crazy 2141 02:05:17.279 --> 02:05:20.960 and it wasn't super conservative, but it wasn't It was 2142 02:05:21.119 --> 02:05:23.880 more it's skewed a little more conservative, and there were 2143 02:05:23.920 --> 02:05:27.760 cowboys and ranchers and hard a lot of airline workers 2144 02:05:27.880 --> 02:05:31.560 and finance people. What happened do you think to Colorado 2145 02:05:31.600 --> 02:05:33.840 over the years? What do you think happened? 2146 02:05:33.880 --> 02:05:38.640 I think, oh, it's a massive immigration of people coming 2147 02:05:38.680 --> 02:05:42.119 here from all different states. I think the state went 2148 02:05:42.159 --> 02:05:44.000 downhill when they legalized marijuana. 2149 02:05:45.920 --> 02:05:48.680 Yeah, that that definitely pushed us over the edge. But 2150 02:05:49.159 --> 02:05:51.640 you know, back to what Tom said about nineteen eighty, 2151 02:05:51.640 --> 02:05:54.199 if I remember right, we even had a Democrat governor, 2152 02:05:54.479 --> 02:05:58.039 Roy Romer, who was actually a good, normal, sane person. 2153 02:05:58.039 --> 02:06:01.520 Well before him, we had Lamb and before him less 2154 02:06:01.560 --> 02:06:03.960 see who was governor when I got here. I think 2155 02:06:04.079 --> 02:06:04.720 lam Lamb. 2156 02:06:04.720 --> 02:06:07.279 I think you're right? Or was it Roma and then Land? 2157 02:06:07.399 --> 02:06:09.199 No, it definitely was not Roma first. 2158 02:06:09.239 --> 02:06:10.479 Yeah, but both of those guys. 2159 02:06:10.520 --> 02:06:12.199 Romer came from the school system. 2160 02:06:12.319 --> 02:06:15.520 Yeah, they They were both good, normal, sane, you know, 2161 02:06:15.680 --> 02:06:19.399 old style Democrats, and then as the state just kind 2162 02:06:19.439 --> 02:06:22.640 of shifted left and left and left from the who's 2163 02:06:22.680 --> 02:06:23.119 moving here? 2164 02:06:23.239 --> 02:06:26.760 Lamb was actually pretty radical. He mean remember his statement, 2165 02:06:27.000 --> 02:06:28.159 A duty, duty. 2166 02:06:27.960 --> 02:06:31.880 To die, that's right, and then he never lived it down. 2167 02:06:32.279 --> 02:06:36.119 And we had a lot of Republican lawmakers too strong 2168 02:06:36.159 --> 02:06:39.600 in the day. Was that. 2169 02:06:41.359 --> 02:06:44.920 The Olympics because it didn't and you remember why, because 2170 02:06:44.920 --> 02:06:48.159 it did not make fiscal sense. The state would have 2171 02:06:48.239 --> 02:06:51.560 dropped more money into preparing the Olympics than it would 2172 02:06:51.600 --> 02:06:54.159 have made in revenue from it. 2173 02:06:56.560 --> 02:07:01.159 Hey, Peter, you know, I love my state. It's been 2174 02:07:01.159 --> 02:07:03.640 my home for fifty and a forty five years now. 2175 02:07:03.680 --> 02:07:06.399 And I don't know, man, I don't know what's going 2176 02:07:06.439 --> 02:07:11.960 on in life. People are just I think everyone is 2177 02:07:12.000 --> 02:07:16.199 too extreme. What I mean by that is not willing 2178 02:07:16.479 --> 02:07:19.960 to listen to others. I mean everyone, we all have that. 2179 02:07:20.760 --> 02:07:25.279 And it would be silly to think that all one 2180 02:07:25.359 --> 02:07:28.960 doctrine or another is one hundred percent correct. Now there 2181 02:07:29.000 --> 02:07:32.079 are some more correct than others in our opinions. But 2182 02:07:32.199 --> 02:07:35.319 what we really need to do, honest to God, we 2183 02:07:35.439 --> 02:07:38.680 really need to use common sense. Whatever happened to that. 2184 02:07:40.600 --> 02:07:44.199 Thanks Peter, and speaking of common sense, I just want 2185 02:07:44.239 --> 02:07:48.439 to get this out. Wave eight, the number eight Wave 2186 02:07:48.520 --> 02:07:52.640 eight Wealth Management was started by me for myself. I 2187 02:07:53.000 --> 02:07:54.800 put together a team and by the way, this is 2188 02:07:54.880 --> 02:07:57.600 wonderful team. I'm a part of it. But there is 2189 02:07:57.640 --> 02:08:02.119 a team, and it is a team for continuity. And 2190 02:08:02.319 --> 02:08:08.399 here's the deal. I was tired of the financial advisement industry. 2191 02:08:09.279 --> 02:08:13.880 Tired because they aren't advisors. They collect money, they place 2192 02:08:13.920 --> 02:08:16.520 them with big firms, and they make a middleman spread. 2193 02:08:16.600 --> 02:08:19.000 I promise you if you take a look at your 2194 02:08:19.000 --> 02:08:23.279 financing finances and your investment management, your eyes are going 2195 02:08:23.359 --> 02:08:25.239 to be opened. And I'm going to do it for 2196 02:08:25.279 --> 02:08:29.840 you free directly if you want indirectly, it's confidential. All 2197 02:08:29.880 --> 02:08:33.119 I want to tell you is this, your eyes will 2198 02:08:33.119 --> 02:08:35.680 be opened no matter what, and that can't hurt you. 2199 02:08:36.520 --> 02:08:40.479 If you are concerned at all about an investment account, 2200 02:08:40.600 --> 02:08:44.960 or retirement money or anything, please text me directly right here. 2201 02:08:45.560 --> 02:08:49.079 I'll respond to you. I'll also call you if you want, 2202 02:08:50.039 --> 02:08:52.680 or just if you want. If you can also go 2203 02:08:52.720 --> 02:08:57.000 to the website. It's Wave eight the number eight Wave 2204 02:08:57.039 --> 02:09:02.600 Eightcapital dot com or tech me seven four seven nine 2205 02:09:03.359 --> 02:09:06.920 fifty two eighty. That's my text right here, personal and 2206 02:09:07.239 --> 02:09:09.520 I'll talk to you personally. I swear to you. When 2207 02:09:09.520 --> 02:09:12.479 I made this public it opened up a great need 2208 02:09:12.560 --> 02:09:15.720 because every damn talking to people who are having their 2209 02:09:15.760 --> 02:09:18.680 eyes open. Okay, And you can also call directly to 2210 02:09:18.680 --> 02:09:21.319 one of my colleagues three oh three seven seven one 2211 02:09:21.399 --> 02:09:25.239 help seven seven one four three five seven. Make no mistake. 2212 02:09:25.319 --> 02:09:30.239 This is my company, my passion, and my mission. We 2213 02:09:30.319 --> 02:09:33.520 got more coming up. Go with a sure thing Denver's 2214 02:09:33.560 --> 02:09:36.439 best roofer Excel Roofing dot com. You don't pay a 2215 02:09:36.520 --> 02:09:43.000 cent until you're content. Time for an insurance check up free, 2216 02:09:43.079 --> 02:09:46.800 no obligation. In comparison, call Compass Insurance paying too much 2217 02:09:46.920 --> 02:09:49.880 your coverage at dozens of insurance companies find out now 2218 02:09:49.960 --> 02:09:52.439 three oh three seven seven to one help. You'll think 2219 02:09:52.479 --> 02:09:55.039 you're his only customer when you choose Frank durand the 2220 02:09:55.119 --> 02:09:57.760 real estate Man dot com to list your home with 2221 02:09:57.880 --> 02:10:03.039 Remax Alliance three oh three nine two zero sixteen twenty two. 2222 02:10:07.439 --> 02:10:11.079 Hi Tom Martine here three zero three seven on three 2223 02:10:11.199 --> 02:10:15.960 talk seven one three eight two five five. So, man, 2224 02:10:16.000 --> 02:10:19.039 We've been talking about a lot of stuff today and 2225 02:10:19.359 --> 02:10:22.800 we were hoping to get Brian burns On from Compass 2226 02:10:22.840 --> 02:10:26.000 Insurance Group. I have a number of questions here and 2227 02:10:26.279 --> 02:10:28.439 part of the reason is because we have Excel Roofing 2228 02:10:28.880 --> 02:10:31.720 and whenever we talk roofing, we talk insurance. But we 2229 02:10:31.960 --> 02:10:35.119 learned a lot from Henry today with Excel Roofing, Henry 2230 02:10:35.640 --> 02:10:38.319 working with his dad there, father and son team. And 2231 02:10:39.319 --> 02:10:43.680 one of the things is this supplemental thing. When you're 2232 02:10:43.720 --> 02:10:48.840 given an initial bid estimate contract. Roofers that are good 2233 02:10:49.039 --> 02:10:52.039 like Excel, they try to give you everything up front 2234 02:10:52.199 --> 02:10:56.359 and what could possibly be a supplement to be determined 2235 02:10:56.359 --> 02:10:58.760 as far as costs, but they try to cover everything 2236 02:10:59.119 --> 02:11:01.960 code upgrades. But there are going to be things that 2237 02:11:02.159 --> 02:11:04.239 come up that they're going to have to call your 2238 02:11:04.279 --> 02:11:08.640 insurance and get a supplemental claim. Additional money. Okay, a 2239 02:11:08.680 --> 02:11:12.279 lot of homeowners for some reason feel when they get 2240 02:11:12.319 --> 02:11:16.880 additional money and then the check sent to the homeowner. 2241 02:11:17.800 --> 02:11:23.119 Many times the disconnect and the complaints come when the 2242 02:11:23.199 --> 02:11:26.960 roofer puts in for those claims and then the money 2243 02:11:26.960 --> 02:11:29.479 goes to the consumer and then the consumer has to 2244 02:11:29.479 --> 02:11:32.960 write a check to the roofer and they say, well, 2245 02:11:33.119 --> 02:11:36.279 that wasn't the original agreement, but the only reason they 2246 02:11:36.359 --> 02:11:40.800 got that extra money was because of a supplemental claim. 2247 02:11:41.960 --> 02:11:46.600 It wasn't because the insurance company just wanted him to 2248 02:11:46.600 --> 02:11:50.239 have extra money. If the truth be known, if it's 2249 02:11:50.319 --> 02:11:56.840 really done correctly, the initial claim is paid ACV and 2250 02:11:56.880 --> 02:12:02.039 then replacement, but supplements are paid along the way, and 2251 02:12:02.119 --> 02:12:07.439 the homeowner should net nothing but actually be under the 2252 02:12:07.520 --> 02:12:10.960 deductible so or it should be out the deductible. So 2253 02:12:11.199 --> 02:12:13.840 if they have a thousand dollars deductible two thousand and three, whatever, 2254 02:12:13.840 --> 02:12:18.359 it is the end result in their bank account if 2255 02:12:18.399 --> 02:12:21.399 they have a one thousand dollars deductible after all a 2256 02:12:21.520 --> 02:12:25.800 said and done with original costs and supplementals. 2257 02:12:25.399 --> 02:12:28.520 Should be minus deductible. 2258 02:12:28.800 --> 02:12:31.159 Your balance should be minus one thousand dollars if you 2259 02:12:31.159 --> 02:12:34.199 have a one thousand dollars deductible. But too many homeowners 2260 02:12:34.199 --> 02:12:36.760 have come to believe, and I don't know where this 2261 02:12:36.840 --> 02:12:42.399 came from, that they should profit from claims, they should 2262 02:12:42.439 --> 02:12:45.800 have more than they pay out. But that's not really 2263 02:12:45.880 --> 02:12:50.319 the way it is. You should actually even pay your deductible. Now, 2264 02:12:50.319 --> 02:12:53.239 I'm going to tell you the reality. In many cases, 2265 02:12:53.680 --> 02:12:57.319 when you get a public adjuster or you get a 2266 02:12:57.359 --> 02:13:02.520 really good settlement, the insurance company just writes the check, 2267 02:13:03.039 --> 02:13:06.199 and some people do end up with money leftover, especially 2268 02:13:06.239 --> 02:13:09.119 with a public adjuster, when you have multiple items on 2269 02:13:09.199 --> 02:13:13.960 your home that are claimed, you can probably get things 2270 02:13:14.000 --> 02:13:18.439 done a little cheaper. You can probably you know, do 2271 02:13:18.640 --> 02:13:22.399 things and cut a few corners, or not even fix 2272 02:13:22.479 --> 02:13:25.239 something that you don't care about, and you can have 2273 02:13:25.319 --> 02:13:28.840 money leftover. It's not designed to be that way, but 2274 02:13:28.960 --> 02:13:32.760 it does happen. And you know what's amazing to me 2275 02:13:32.840 --> 02:13:35.880 in this business, Excel Roofing, I think they're the only 2276 02:13:35.920 --> 02:13:39.960 ones I know. They don't take a dime, not a 2277 02:13:39.960 --> 02:13:45.159 penny up front. And I've often wondered, isn't that hard 2278 02:13:45.479 --> 02:13:48.079 like to get paid? Because if you don't take a 2279 02:13:48.159 --> 02:13:50.960 dime and they're getting all these checks from insurance for 2280 02:13:51.039 --> 02:13:54.560 the initial claim and the supplements and all that at 2281 02:13:54.600 --> 02:13:58.600 the end, I wondered, you know, it's really a risk, 2282 02:13:58.640 --> 02:14:01.760 because Jay said, no, we don't take a dime. So 2283 02:14:02.479 --> 02:14:04.840 I don't know, Henry, I'm not asking you to disc 2284 02:14:04.880 --> 02:14:08.439 people or disc you know your customers, but is it 2285 02:14:08.479 --> 02:14:11.199 ever difficult? Is it ever? Or do you do you 2286 02:14:11.000 --> 02:14:13.600 or really I'm gonna I'm gonna give you a softball question, 2287 02:14:14.000 --> 02:14:15.640 or do you guys do just a good job that 2288 02:14:15.680 --> 02:14:18.239 you don't have these issues. And again that is a 2289 02:14:18.279 --> 02:14:21.560 softball question, but but I'm serious, what's the issue? 2290 02:14:21.880 --> 02:14:22.520 You know, Tom? 2291 02:14:22.560 --> 02:14:25.279 The reality is is just there's some people that just. 2292 02:14:25.279 --> 02:14:26.119 Don't want to pay. 2293 02:14:26.399 --> 02:14:29.359 Yeah, and that'll happen occasionally. Sometimes we'll have a customer 2294 02:14:29.720 --> 02:14:32.760 who just won't pay, and we deal with that on 2295 02:14:32.800 --> 02:14:34.000 a case by case basis. 2296 02:14:34.000 --> 02:14:35.560 But then they look for some of the lame as 2297 02:14:35.560 --> 02:14:36.960 excuses and that mind. 2298 02:14:36.960 --> 02:14:39.000 It might not even be something that's roofing related. It's 2299 02:14:39.039 --> 02:14:41.359 something in their personal life or something like that. But 2300 02:14:41.760 --> 02:14:44.840 it has such a benefit to the customer. It almost 2301 02:14:44.920 --> 02:14:47.359 self ensures them that they're going to get the quality 2302 02:14:47.399 --> 02:14:50.079 work that they deserve and what they're wanting. When they're 2303 02:14:50.119 --> 02:14:53.159 paying other contractors all this money in advance, they really 2304 02:14:53.159 --> 02:14:55.600 don't have that sure you know, that sure of feeling 2305 02:14:55.600 --> 02:14:57.600 and that that peace of mind. And that's something that 2306 02:14:57.600 --> 02:14:59.359 we can offer to people. And that's why we really 2307 02:14:59.399 --> 02:15:00.199 stand behind that. 2308 02:15:01.399 --> 02:15:04.520 All right, three zero three seven to one three talk 2309 02:15:04.600 --> 02:15:06.800 seven one three eight two five five. You know, I 2310 02:15:06.840 --> 02:15:11.239 just got a note here that said Aurora has so 2311 02:15:11.439 --> 02:15:20.319 far towed three hundred cars since the crackdown. Three hundred cars. 2312 02:15:21.000 --> 02:15:23.319 You need for a while, they were letting people go 2313 02:15:23.720 --> 02:15:29.159 with expired license plates, with no license plates, with no registrations, 2314 02:15:29.680 --> 02:15:33.800 with absolutely nothing. They were letting people just drive, get 2315 02:15:33.800 --> 02:15:38.399 in a car and drive. But since this crackdown, and 2316 02:15:38.439 --> 02:15:41.279 I don't know the reason for the crackdown, by the way, 2317 02:15:42.399 --> 02:15:44.279 I don't know why it happened all of a sudden, 2318 02:15:45.520 --> 02:15:49.119 but I know Mayor coff It was a Coffin, Mayor 2319 02:15:49.159 --> 02:15:52.039 Coffin and Aurora is it Coffin? 2320 02:15:52.359 --> 02:15:53.000 Mike Kaufman. 2321 02:15:53.119 --> 02:15:56.600 Mike Coffin who turned very liberal lately. 2322 02:15:57.079 --> 02:15:59.000 I mean he's been right on there with all his 2323 02:15:59.079 --> 02:16:02.960 liberal buddies, you know, on on illegal immigration and all 2324 02:16:03.000 --> 02:16:08.359 that denial, denial, denial, like denying news denial, news, denying 2325 02:16:08.399 --> 02:16:11.439 that they had a problem with the Venezuelan gangs and 2326 02:16:11.479 --> 02:16:11.720 all that. 2327 02:16:11.840 --> 02:16:16.199 Blame his so called slumlords for the crime problems in 2328 02:16:16.239 --> 02:16:17.039 that apartment company. 2329 02:16:17.199 --> 02:16:19.920 Yes, I mean the whole thing was shameful. But what 2330 02:16:20.079 --> 02:16:25.960 happened all of a sudden? Three hundred cars, Wow, three 2331 02:16:26.079 --> 02:16:30.720 hundred cars. We haven't gotten one call from anyone, So 2332 02:16:31.359 --> 02:16:33.879 what's on your mind today? We got more coming up 2333 02:16:34.280 --> 02:16:37.840 on the Troubleshooter Show three oh three, seven to one, 2334 02:16:37.920 --> 02:16:42.239 three eight two five five Go with a sure thing 2335 02:16:42.360 --> 02:16:45.639 Denver's best roofer Excel roofing dot com. You don't pay 2336 02:16:45.680 --> 02:16:51.799 a cent until you're content. Time for an insurance check 2337 02:16:51.879 --> 02:16:55.879 up free, no obligation comparison call Compass Insurance Paying too 2338 02:16:55.959 --> 02:16:59.000 much your coverage at dozens of insurance companies find out 2339 02:16:59.040 --> 02:17:01.559 now three oh three seven seven to one help. You'll 2340 02:17:01.600 --> 02:17:04.319 think you're his only customer when you choose Frank durand 2341 02:17:04.360 --> 02:17:06.799 the real estate Man dot com to list your home 2342 02:17:07.000 --> 02:17:10.159 with Remax Alliance three oh three nine two zero sixteen 2343 02:17:10.239 --> 02:17:17.879 twenty two. Hi Tom Martino, you're troubleshooter. By the way, 2344 02:17:17.920 --> 02:17:22.719 Excel roofing when they're not here, Excel ex cel Roofing 2345 02:17:23.159 --> 02:17:28.120 dot com three o three seven sixty one sixty four hundred. 2346 02:17:28.799 --> 02:17:32.959 Just good people. So millennials, you know how they are? 2347 02:17:34.760 --> 02:17:39.879 Millennials range from twenty nine to forty four, next to 2348 02:17:39.920 --> 02:17:44.920 baby boomers kind of also known as gen y. They're 2349 02:17:44.959 --> 02:17:50.600 a pretty big segment. So where are they moving? Where 2350 02:17:50.600 --> 02:17:53.000 do you think? What do you think the number one 2351 02:17:53.040 --> 02:18:01.520 city is? They're moving to New York City. It's the 2352 02:18:01.600 --> 02:18:09.360 number one meaning by percentage, but in general. Alexandria, Virginia, Cambridge, Massachusetts. 2353 02:18:09.399 --> 02:18:14.000 And number three on the Nationalist Denver, Colorado. What is 2354 02:18:14.040 --> 02:18:23.760 attracting people? Twenty nine to forty four? Then Sandy Springs, Georgia, Seattle, Washington, Sunnyville, California. Now, 2355 02:18:23.799 --> 02:18:25.920 beyond a shadow of doubt, every single one of these 2356 02:18:26.680 --> 02:18:32.200 skews liberal. So can we assume maybe, can we assume 2357 02:18:32.280 --> 02:18:37.120 that millennials skew liberal? Go ahead? 2358 02:18:37.159 --> 02:18:39.520 So, Tom, I disagree with that. Look how many young 2359 02:18:39.600 --> 02:18:43.639 people voted for Trump this time around? He crushed the 2360 02:18:43.680 --> 02:18:44.319 young vote. 2361 02:18:44.399 --> 02:18:47.280 But did they vote for liberal for conservative or did 2362 02:18:47.280 --> 02:18:50.360 they vote for just to change? I don't know. Actually, 2363 02:18:50.760 --> 02:18:54.879 now here's some others. Listen to this. Seattle, Washington, Sunnyville, California, 2364 02:18:54.879 --> 02:18:58.639 Santa Clara, California, Arlington, Virginia, Austin, Texas. Do you know Austin, 2365 02:18:58.680 --> 02:19:01.399 by the way, is one of the liberals cities within Texas, 2366 02:19:01.440 --> 02:19:05.200 of course, And then Orlando, Florida that I don't know 2367 02:19:05.239 --> 02:19:09.959 what that is, Washington, d C Bellevue, Washington. These are 2368 02:19:09.959 --> 02:19:19.000 the top twenty for millennials. Fargo, North North Dakota, Portland, Oregon, Minnesota, 2369 02:19:19.120 --> 02:19:25.200 or Minneapolis, Durham, North Carolina, Atlanta, Georgia, Athens, Georgia, Savannah, Georgia, 2370 02:19:25.879 --> 02:19:30.280 and then Lakewood, Colorado. Hey, it's been a pleasure today. 2371 02:19:31.000 --> 02:19:36.280 Back here tomorrow. Don't forget referral list dot com for help, 2372 02:19:36.319 --> 02:19:40.120 information and referrals, and call three O three Martino for 2373 02:19:40.239 --> 02:19:43.120 help three O three six two seven eight four sixty 2374 02:19:43.159 --> 02:19:47.280 six and save all your problems for me.