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<v Speaker 1>Yeah, ripped off, had news, didn't need advice.

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<v Speaker 2>So you don't have the.

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<v Speaker 3>Come running just as fast as we can.

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<v Speaker 4>Shoe Shooter's gonna help come.

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<v Speaker 5>Man, this is the Troubleshooter Show.

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<v Speaker 2>No, Tom Martino, Hey I Tom Martino. Welcome to the show.

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<v Speaker 2>Three zero three seven one three talk seven one three

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<v Speaker 2>eight two five five. What's going on in your life?

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<v Speaker 2>And we are here to help you any way we can. Hello, Oh, okay,

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<v Speaker 2>I'll turn myself up. Then man, just say the word.

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<v Speaker 2>How's that? Okay? Yeah? And then people say I'm too loud.

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<v Speaker 2>See Shannon, this is proof. Shannon just said I'm too low.

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<v Speaker 2>Everyone else says I'm too loud.

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<v Speaker 5>I could barely hear you. You were whispering.

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<v Speaker 2>Okay. Well, hi Tom Martino. Here, by the way, if

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<v Speaker 2>you're streaming and you're streaming video, we have Bob Logan

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<v Speaker 2>here to my right, and we have Deputy D who

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<v Speaker 2>sits over here. Deputy D helps out a lot, and

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<v Speaker 2>bob Logan plumb line services. Bob, I want to ask

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<v Speaker 2>you something real quick. Do you get busy on the

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<v Speaker 2>eve or at thanks even the day after they? I mean,

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<v Speaker 2>is there like do you actually have somebody that you

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<v Speaker 2>make work.

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<v Speaker 6>So we're officially closed on Thanksgiving and all major holidays,

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<v Speaker 6>but we do have technicians and people in the call

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<v Speaker 6>center that volunteer to step up because they know we're

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<v Speaker 6>going to get calls.

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<v Speaker 2>And so you will run calls.

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<v Speaker 6>Yes, it's on an emergency only basis and typically only

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<v Speaker 6>for our VIP clients. So you know, we have the

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<v Speaker 6>VIP membership and there's a lot of benefits to go

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<v Speaker 6>along with that. But one of those is after hours

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<v Speaker 6>and holidays things like that, or warranties. Obviously, we're going

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<v Speaker 6>to stand behind any warranty calls that we have.

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<v Speaker 5>All Right, And I just brought up I'm always blown

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<v Speaker 5>away by how dapper he is. Do your technico?

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<v Speaker 2>No, I mean he's out a GQ. Bro, he's out

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<v Speaker 2>of GQ?

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<v Speaker 6>Is that Mark?

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<v Speaker 2>Yeah?

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<v Speaker 6>Stranger?

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<v Speaker 2>Now now talking about dapper, you want to see his look?

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<v Speaker 2>Get it close up to him, Bro, look at that now,

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<v Speaker 2>I'm going to show you him real close. Look at this.

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<v Speaker 2>I'm going to show you it's.

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<v Speaker 5>Rolling Stones T shirt, black T shirt. Hey, you saw

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<v Speaker 5>me the other night though I was dressed up.

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<v Speaker 2>Mark, I'm gonna I promise you when I tell you this.

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<v Speaker 2>You looked really good. No, we thank you an event.

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<v Speaker 2>He looked really good. Of course, Suzann always looks bad.

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<v Speaker 2>We were shocked.

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<v Speaker 5>Oh that's nice.

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<v Speaker 2>Well, I don't know how to put it. I guess

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<v Speaker 2>that's a bit. I didn't mean it like that.

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<v Speaker 7>If Marco could, I'll bet you Susie knocked him out right.

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<v Speaker 2>I'm oh, yeah, Deputy, Doc, is she looked great? Are

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<v Speaker 2>you in the studio? Docs? I deputy, Oh, dollars there.

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<v Speaker 6>And we're all fortunate day morning, Tom. Does it make

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<v Speaker 6>us look good?

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<v Speaker 2>Of course?

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<v Speaker 7>Now, hey, Tom, can I give you a follow up

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<v Speaker 7>from last week?

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<v Speaker 2>Yeah, let's do it, bro. And then I'm gonna go

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<v Speaker 2>to the phones. I got Bradley. Bradley, hang on, I'm

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<v Speaker 2>gonna take you, I promise, go ahead. What's going on? Doc?

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<v Speaker 7>Debor called up about Louis Aramao Construction.

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<v Speaker 2>Hired a contractor July eight, twenty five thousand dollars estimate.

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<v Speaker 2>She said she paid the entire amount, but only eighty

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<v Speaker 2>percent of the garage is complete. So whenever the contractor

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<v Speaker 2>believes the whole thing's done, and he says I only

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<v Speaker 2>have a few hours left.

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<v Speaker 7>When I've spoke to her, she gave me a whole

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<v Speaker 7>list of what needs to be done. We need to

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<v Speaker 7>get somebody out there to take a look and find

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<v Speaker 7>out what has to be done and how much is

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<v Speaker 7>gonna cost. So before we can do anything, we need

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<v Speaker 7>a second opinion on what's going to be done.

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<v Speaker 2>Okay, now here here was one of the well should

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<v Speaker 2>I say common problems when we do that? Let me

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<v Speaker 2>let me put it to you this way. What happens

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<v Speaker 2>is they have an original contract and then the contract

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<v Speaker 2>falls apart, and then what happens is they want a

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<v Speaker 2>second opinion. Now, the second opinion comes in and we'll

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<v Speaker 2>say what needs to be done according to that contractor

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<v Speaker 2>and how that contractor would have done it. That doesn't

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<v Speaker 2>mean he's out. He's breaching his contract or the original

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<v Speaker 2>guy's breaching the contract. For example, if the original contract

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<v Speaker 2>called for a certain quality and the second guy thinks

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<v Speaker 2>it should be another quality. See, so what we have

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<v Speaker 2>to do is get the second opinion based on what

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<v Speaker 2>they agreed to. Makes sense, absolutely all right? So what

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<v Speaker 2>part of town is it in?

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<v Speaker 7>Doc she's in seventy six and Sheridan. So Westminster thought.

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<v Speaker 2>Man, we can't have any one of our people. Let's

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<v Speaker 2>pick somebody to go out there and take a quick look.

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<v Speaker 2>I hope you understand these people put themselves out when

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<v Speaker 2>they do this.

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<v Speaker 7>I totally understand that. And you know, just like you say,

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<v Speaker 7>sometimes you appreciate the deputies and what we put in

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<v Speaker 7>we appreciate so much. Are are people who go out

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<v Speaker 7>to give us second opinions, like you know Genesis or

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<v Speaker 7>Jeff with Transmissions.

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<v Speaker 2>Any plumb Line services, they do free second opinions all

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<v Speaker 2>the time.

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<v Speaker 7>We really appreciate our sponsors that go out and help

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<v Speaker 7>the deputies.

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<v Speaker 2>We couldn't do a job with all that has found

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<v Speaker 2>in the past. Plumb Line has found equipment in the

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<v Speaker 2>past that's just perfect, perfect equipment, but it's not operating properly.

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<v Speaker 2>Because what percentage is equipment and what percentage is installation?

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<v Speaker 2>Fifty to fifty.

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<v Speaker 6>Right, it's ninety ten, ninety ten.

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<v Speaker 2>Times what ninety percent installation.

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<v Speaker 6>You can buy the best equipment money will buy, and

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<v Speaker 6>if it's not installed properly, you just threw your money away.

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<v Speaker 2>Wow.

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<v Speaker 6>And and you know, we work with Carrier for a

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<v Speaker 6>number of reasons. One they're they're one of the best

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<v Speaker 6>known brands in the world. But our local distributors fantastic

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<v Speaker 6>stands behind everything that we do. But here's a here's

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<v Speaker 6>the thing. You can buy the best.

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<v Speaker 5>He's low man, All right, go ahead.

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<v Speaker 6>I'm I'm kind of away from them. That's probably my fault.

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<v Speaker 6>But again, you can buy the best equipment money can buy.

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<v Speaker 6>And if it's not installed properly, it's it's not going

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<v Speaker 6>to run as it's designed. It's gonna be starving for air.

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<v Speaker 6>Maybe unsafe. There's a number of things that can go wrong.

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<v Speaker 2>Couldn't set it better, couldn't have said it better. I

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<v Speaker 2>want to talk now to uh and again I'm gonna

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<v Speaker 2>I pipe myself up and people are gonna now say

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<v Speaker 2>I sound robotic. You wait, Bradley, go ahead. What's going

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<v Speaker 2>on with you? Bradley? I'm sorry, what what's happening? Oh?

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<v Speaker 8>Nothing.

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<v Speaker 9>I bought a car from the dealerships out like six

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<v Speaker 9>months ago, and they never gave me a title for it,

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<v Speaker 9>and I was actually directed to you from it.

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<v Speaker 2>It was six months ago. Six months ago.

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<v Speaker 9>Yeah, they've been I've been calling them once a month

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<v Speaker 9>for the past six months and they.

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<v Speaker 2>Make what's the name of it. I don't know what

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<v Speaker 2>that is. Are you doing something we shouldn't know about?

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<v Speaker 2>Look excuse me, I digress, Bradley. What's the name of

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<v Speaker 2>the dealer, Urban Motors on a federal It's Urban Motors Blue. Okay.

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<v Speaker 2>And what did you buy?

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<v Speaker 9>I buy a nineteen ninety seven Toyota Corolla.

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<v Speaker 2>Okay. And what do they say about not getting you

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<v Speaker 2>a title?

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<v Speaker 9>Well, at first they said, uh, that it should be

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<v Speaker 9>coming in the mail. I should get a little card

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<v Speaker 9>for it or something to like proof that it was

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<v Speaker 9>sent to the DMV. And then it's a.

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<v Speaker 2>Used car though, right, it's a used car.

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<v Speaker 9>It's a used car at auction.

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<v Speaker 2>Of course it is a ninety seven. What am I stupid? Yes,

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<v Speaker 2>it's a used car. So in Urban you went to

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<v Speaker 2>Urban Motors. Okay. Well here's the problem. They have to

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<v Speaker 2>give your money back.

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<v Speaker 9>Yeah.

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<v Speaker 10>Yeah.

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<v Speaker 9>When I talked to them on the phone not too

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<v Speaker 9>long ago, and it's like last that easy.

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<v Speaker 2>They have to give your money back, and if you

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<v Speaker 2>want your money back, we'll get it back.

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<v Speaker 9>Yes I would.

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<v Speaker 2>They have no choice in the matter. None.

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<v Speaker 11>Yeah.

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<v Speaker 12>Yeah.

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<v Speaker 9>They keep saying there'll be a week out or a

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<v Speaker 9>month out or that.

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<v Speaker 12>In the courts.

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<v Speaker 9>They're making like a reproductive.

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<v Speaker 2>Who wants to give them the bad news? I'm going

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<v Speaker 2>to give this to Deputy Dollar. Deputy Dollar. Okay, let's

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<v Speaker 2>call them during the show even see what we can

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<v Speaker 2>do for you. Okay, hang on, bro, hang on three

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<v Speaker 2>oh three seven one three talk seven one three eight

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<v Speaker 2>two five five. All right, I'm going to do something

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<v Speaker 2>right now that's gonna make Mark faint, and Uh, it's

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<v Speaker 2>gonna make uh Dragon faint? Is it Dragon or Shannon?

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<v Speaker 3>Right now?

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<v Speaker 2>I'm sorry, Shannon, Shannon's gonna Shannon's gonna faint because I'm

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<v Speaker 2>going to take a break on time. I'm Tom Martine,

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<v Speaker 2>and we have more coming uprootopros dot net. The best

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<v Speaker 2>water systems at the lowest prices. I'm telling you water

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<v Speaker 2>softening plus a triple filter reverse osmosis system at your kitchen,

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<v Speaker 2>seeing so the whole house softening for your plumbing, your laundry,

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<v Speaker 2>your showers, your baths, and drinking water all for thirty

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<v Speaker 2>one ninety five. I mean, that's an unheard of price.

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<v Speaker 2>Three ninety five bucks to the end of the month

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<v Speaker 2>holiday special Waterpros dot net. I'm Tom Martino, your trouble

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<v Speaker 2>shooter three all three seven one three talk three all

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<v Speaker 2>three seven one three eight two five five. Got a

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<v Speaker 2>lot happening in consumer news. Man, it it's it befuddles me.

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<v Speaker 2>I'll tell you what. So have you noticed people are

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<v Speaker 2>freaking out? Well no, no, no, people aren't freaking out.

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<v Speaker 2>Liberals are freaking out over what might happen, not what

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<v Speaker 2>is happening. What might happen? I predict another million woman

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<v Speaker 2>march on Washington to talk about they've lost their rights

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<v Speaker 2>even though nothing's happened. But we'll see it. Now. Welcome

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<v Speaker 2>to the show. What is going on in your life?

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<v Speaker 2>Get it done now because we may not be able

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<v Speaker 2>to solve your problems this week as quickly as we

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<v Speaker 2>can other weeks. Now, when you do not get a

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<v Speaker 2>title from a dealer's an, they have to rescind the

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<v Speaker 2>deal or they lose the license. There's no two ways

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<v Speaker 2>about it.

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<v Speaker 5>They have to do it so in a reasonable time.

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<v Speaker 2>Yeah, well yeah, and they don't define a reasonable time.

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<v Speaker 2>That's the thing. They don't define it. They just say,

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<v Speaker 2>you know what, that's not reasonable. But usually sixty days

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<v Speaker 2>is considered reasonable. During COVID, you know they they did them.

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<v Speaker 2>You know they did them a little differently, Tom.

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<v Speaker 7>While there's statues which define how much they can charge

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<v Speaker 7>them for use of the car just so he doesn't

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<v Speaker 7>get ripped off them.

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<v Speaker 2>Well, first of all, yes, if they don't deliver title, no, no,

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<v Speaker 2>I don't think that. I don't think that bailman comes

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<v Speaker 2>into play.

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<v Speaker 7>So he's had the call for six months. They're not

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<v Speaker 7>going to charge you anything that give his full refund back.

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<v Speaker 2>He should get everything back. They should rescind the whole deal.

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<v Speaker 2>It's their fault. Yeah, that's right, it's one hundred percent

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<v Speaker 2>their fault. But there is Isn't there statutes on bailman

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<v Speaker 2>in general? Yes, yes, there is, uh huh, So bailman

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<v Speaker 2>in general, as Mark talked about, is statutory, and I

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<v Speaker 2>think they define the number of days. I think again

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<v Speaker 2>I'm hazy because we haven't used it in a while,

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<v Speaker 2>but I think it's ten days, so three oh so

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<v Speaker 2>ten days. And then if they don't arrange financing, that's

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<v Speaker 2>their fault. So anyway, that's one of the issues. Now.

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<v Speaker 2>I wanted to talk about some stuff that is going

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<v Speaker 2>on because it's it's really I can't believe how much

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<v Speaker 2>financial crime there is right now going on. I just

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<v Speaker 2>can't believe it. One in four people, one in four,

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<v Speaker 2>twenty five percent of people are having ripoffs literally ripoffs

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<v Speaker 2>in their bank accounts being hacked, usually from debit cards.

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<v Speaker 2>They can do it through checks, they can throw it

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<v Speaker 2>through any kind of ach. Listen, this is something we

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<v Speaker 2>have to talk about. This is something that has to

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<v Speaker 2>be addressed. We address all kinds of crime, we get upset.

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<v Speaker 2>We even got upset with shoplifting. We get upshut set

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<v Speaker 2>with illegal immigration, we get upset with all kinds of stuff.

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<v Speaker 2>But I'm telling you there is a major, major problem,

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<v Speaker 2>and that is when it comes to economic crime. People.

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<v Speaker 2>Here is here's the thing I'm trying to tell people

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<v Speaker 2>that they don't get, okay, and that is that there

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<v Speaker 2>is no safety in the banking system. Okay, there's no safety.

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<v Speaker 2>People are under the illusion there is some kind of

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<v Speaker 2>a safeguard when someone wants to draw money from your account. Now,

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<v Speaker 2>obviously they have to be crooked, right, But if I

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<v Speaker 2>have two things from you, your ach and your account number,

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<v Speaker 2>I can rob you. I can take.

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<v Speaker 13>Every penny from your bank, every single dime, and when

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<v Speaker 13>you complain about it, they investigate you.

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<v Speaker 2>They investigate you. This is a dirty banking secret no

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<v Speaker 2>one likes to talk about. As transfers. Now, I can

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<v Speaker 2>think of only one way to do away with it.

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<v Speaker 2>You shut down on all achs. But then you can't

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<v Speaker 2>make auto payments, you can't do anything. So I don't

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<v Speaker 2>know how or what the answer is. I don't know

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<v Speaker 2>what it is, but one in four Americans are getting

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<v Speaker 2>their life savings wiped out. Now, in some cases it's

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<v Speaker 2>it's well, in most cases it's an ACH. In most

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<v Speaker 2>cases that's an automatic clearinghouse. That's short for that. What

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<v Speaker 2>that means is they wire money out of your account,

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<v Speaker 2>they draft your account. You don't have to initiate it,

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<v Speaker 2>you don't have to approve it. And I swear to God,

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<v Speaker 2>if your bank tells you it can't happen, they're lying

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<v Speaker 2>to you. And you don't always get your money back.

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<v Speaker 2>That's the thing I'll bet you in the sound of

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<v Speaker 2>my voice. Right now, there are dozens and dozens of people,

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<v Speaker 2>maybe hundreds, I don't know, maybe thousands after this podcast

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<v Speaker 2>goes out and people download it, that have had their

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<v Speaker 2>money stolen. You don't need a password. They can take

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<v Speaker 2>it from your debit card, they can take it from

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<v Speaker 2>your check. That's how. Yeah, and there are other ways

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<v Speaker 2>to get it. Now, let's talk about the other way

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<v Speaker 2>they get it. Stupidity on people. Stupidity people who who

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<v Speaker 2>touch links, they hit a link or they hit something

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<v Speaker 2>thinking and they're ingenious. The phishing schemes are ingenius where

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<v Speaker 2>they have you enter a username, a password, then they

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<v Speaker 2>go to town. Now some of them, you may think, Okay,

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<v Speaker 2>one is listen to this one on Exfinity, you're exceeding

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<v Speaker 2>your your data for the month. Okay, to see your data,

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<v Speaker 2>click here. It's not Infinity. You click, you got to

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<v Speaker 2>enter user name of the password. Now, that's not your

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<v Speaker 2>bank account. But similar things happen with your bank, especially

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<v Speaker 2>when your computer freezes up. If your computer ever freezes up,

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<v Speaker 2>if anyone ever says anything about your bank account, go

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<v Speaker 2>into your bank or you initiate the call to your bank,

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<v Speaker 2>and do not use any numbers supplied on email, and

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<v Speaker 2>do not hit any links supplied by email to get

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<v Speaker 2>to it. Now, twenty five percent are getting ripped off.

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<v Speaker 2>Economic crime is the number one crime when it comes

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<v Speaker 2>to victims and when it comes to money, more than shoplifting,

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<v Speaker 2>more than all the illegal immigration crimes altogether, as if

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<v Speaker 2>they're the only ones, but they're not. So what I'm

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<v Speaker 2>saying is you have to take care of your bank account.

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<v Speaker 2>I'm afraid right now about I don't know what to do.

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<v Speaker 2>I really don't. There's got to be away because even

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<v Speaker 2>some of these password keepers and all of these places,

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<v Speaker 2>they can be hacked. And as one guy says, you've

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<v Speaker 2>traded twenty five different passwords for one because they get

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<v Speaker 2>into your vault. Now, does anyone have any good ideas?

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<v Speaker 2>Would you let us know?

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<v Speaker 5>Our banker is great with us. If anything seems out

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<v Speaker 5>of the normal, a certain amount goes through anything, Nicole

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<v Speaker 5>literally calls Suzanne before it leaves our bank and makes

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<v Speaker 5>sure it's okay. And it doesn't matter if it's an ach,

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<v Speaker 5>it doesn't matter what it is.

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<v Speaker 14>Okay, Hey, Tom, So I had some really great advice

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<v Speaker 14>from my bank because I had exactly the same concerns

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<v Speaker 14>about people cloning checks. And we set up two systems.

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<v Speaker 14>One is we opened a savings account for my business,

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<v Speaker 14>so I only keep a little bit of money in

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<v Speaker 14>my business checking account. The rest of it stays in savings,

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<v Speaker 14>and then when that grows too high, it goes into CDs.

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<v Speaker 14>And nobody can steal a CD from a bank, and

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<v Speaker 14>it's very difficult to hit a savings account.

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<v Speaker 2>Okay, three three seven, one three talk. That's one way

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<v Speaker 2>keep a limited amount. But anything that has anything that

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<v Speaker 2>has used the name of password, or anything that has

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<v Speaker 2>an ach number, an account number, can be hacked, anything,

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<v Speaker 2>anything at all. So while CDs are a low probability,

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<v Speaker 2>they can be hacked. One of the safest instruments known

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<v Speaker 2>to man is if you go to unless of course

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<v Speaker 2>they get you use the name of password, but you

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<v Speaker 2>can go to US Treasury direct bitcoin coin. Well, I'm

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<v Speaker 2>talking about right now US Treasury bonds, bills and T

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<v Speaker 2>bills and bonds and notes.

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<v Speaker 14>You still have savings bonds, yeah, just not physical ones anymore.

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<v Speaker 2>No, so, and then what Mark said? Bitcoin? We've had

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<v Speaker 2>people call and had bitcoins completely missing. Where do you go?

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<v Speaker 5>Yeah, but it was their own fault.

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<v Speaker 2>Well, how do we know that.

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<v Speaker 5>I don't think there's any way. I don't think anybody

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<v Speaker 5>can break the encryption on those wallets. I don't think

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<v Speaker 5>China can. I don't think anybody can.

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<v Speaker 2>Bob.

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<v Speaker 6>There was a young couple prosecuted I think about three

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<v Speaker 6>years ago that were stealing a lot of big well.

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<v Speaker 2>And a lot of them aren't necessarily stealing the bitcoins,

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<v Speaker 2>but they're helping you set them up. And keeping track

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<v Speaker 2>of it and then go and steal. In other words,

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<v Speaker 2>they're not hacking in. They were there from the beginning.

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<v Speaker 2>Or you set up. You set up without a legitimate wallet.

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<v Speaker 2>Your your wallet wasn't legitimate to begin with, but they

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<v Speaker 2>didn't rob it until you had a lot in there.

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<v Speaker 2>Three o three seven one three eight two five five. Listen,

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<v Speaker 2>we got to address economic crime, and we're gonna talk

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<v Speaker 2>right now. Brenda, what is your question? Real quick? Go ahead,

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<v Speaker 2>what is your question?

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<v Speaker 15>Tom on the grandma and I have seven grandkids currently,

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<v Speaker 15>I'm a retirement age. I don't have a lot of money.

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<v Speaker 15>I just wanted to get you to talk about a

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<v Speaker 15>little bit some investment I can put in for each

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<v Speaker 15>of those grandkids into something that might grow over their lives.

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<v Speaker 15>Not a lot of money, obviously, but just some ideas

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<v Speaker 15>you had for investments.

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<v Speaker 2>Sure for for low money, in gradual growth, safety for kids. Yeah,

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<v Speaker 2>what would there? Okay, you hang on, well we'll come

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<v Speaker 2>back and talk about that. Three oh three seven one

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<v Speaker 2>three eight two five five. Okay. Frank durandereal estate man

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<v Speaker 2>dot Com. Right now, if you're thinking about making a change,

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<v Speaker 2>this is the time of year a lot of people

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<v Speaker 2>think about change. Frank will give you a preview what

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<v Speaker 2>your house will sell for based on his vast experience

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<v Speaker 2>thirty years. It's a market valuation complementary, no obligation to list,

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<v Speaker 2>and he can pretty much nail it based on the neighborhood,

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<v Speaker 2>the comps, the supplying demand, the interest rates. He takes

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<v Speaker 2>the conditions and gives you a price of what he

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<v Speaker 2>thinks you can sell and what you'll net and what

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<v Speaker 2>you can buy. Three oh three nine two zero sixteen

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<v Speaker 2>twenty two nine two zero sixteen twenty two. Frank around

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<v Speaker 2>the real Estate man dot com. Hi, Tom Martino, your

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<v Speaker 2>troubleshooter three O three seven one three talks seven one

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<v Speaker 2>three eight two five five. Let's talk to Brenda. Brenda.

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<v Speaker 2>I'm going to bring up one of my experts here

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<v Speaker 2>and he can listen to my recommendations and chime in.

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<v Speaker 2>It's Pat Jollaf. Pat Jollaf is a financial advisor with

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<v Speaker 2>me at Wave eight Wealth Management, the company I started.

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<v Speaker 2>I want to tell you that I'm not trying to

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<v Speaker 2>get your business. I'm just trying to tell you where

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<v Speaker 2>we're at, and I'm going to tell you that sometimes

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<v Speaker 2>no investing is better investing with just if you have

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<v Speaker 2>very very low risk and not a lot of money. However,

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<v Speaker 2>there are some really safe things for grandkids if you're

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<v Speaker 2>what is your time horizon? If you like, when would

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<v Speaker 2>they need the money or when do you want them

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<v Speaker 2>to access the money?

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<v Speaker 15>They're all young, they're too right now, and my obvious

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<v Speaker 15>excellent cover excellent covering them, you know, kind of going

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<v Speaker 15>forward for their lives, just with their parents. And then

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<v Speaker 15>the second thing is I want them to have something

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<v Speaker 15>that they can actually have and take from me, you know,

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<v Speaker 15>twenty years from now when they get eighteen or whatever

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<v Speaker 15>they are.

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<v Speaker 2>That's wonderful. That's really good stuff. If it's twenty years,

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<v Speaker 2>low risk secure. The longer the time horizon, the less

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<v Speaker 2>risk you have to take, wouldn't you say that's true?

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<v Speaker 2>Pat yep agree. Okay, now let's talk about this. A

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<v Speaker 2>five twenty nine college plan is very basic, but it's

403
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<v Speaker 2>only good if they're going to do it for college

404
00:22:38.039 --> 00:22:41.880
<v Speaker 2>because it grows tax free. It grows tax free, and

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<v Speaker 2>they never have to pay tax on the growth or

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<v Speaker 2>any part of it if they use it for college. Okay, right,

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<v Speaker 2>that's one way. Another one is a wroth, a custodial wroth,

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<v Speaker 2>IRA and that allows long term growth tax free. And no,

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<v Speaker 2>they don't pay any tax on that when they pull

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<v Speaker 2>it out, whether they use it for college or not.

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<v Speaker 2>So the difference is the five twenty nine, you got

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<v Speaker 2>to use it for college, no tax, it grows a

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<v Speaker 2>little better. The wroth grows the same tax deferred no tax. Ever,

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<v Speaker 2>the other one are, uh, can you talk about low

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<v Speaker 2>cost ETFs pat that do a broad market exposure and

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<v Speaker 2>has very low fees and long term growth.

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<v Speaker 16>Right, So yeah, ETFs exchange traded funds excuse me, or

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<v Speaker 16>a basket for the investments. They're very much like a

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<v Speaker 16>mutual fund. They just don't have a manager on them.

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<v Speaker 16>And so I'm they're defined the investments that they hold

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<v Speaker 16>and own are defined by market capitalization typically of the companies,

422
00:23:48.160 --> 00:23:52.279
<v Speaker 16>the thought price, and so you know, for example, Schwab

423
00:23:52.480 --> 00:23:54.720
<v Speaker 16>just to pick a flavor, they've they've got a number

424
00:23:54.839 --> 00:24:00.400
<v Speaker 16>of exchange traded funds. SDHG is a symbol that I

425
00:24:00.440 --> 00:24:03.200
<v Speaker 16>think the expense ray show on that's like seven basis points.

426
00:24:03.200 --> 00:24:05.880
<v Speaker 16>So where one hundred basis points equals one percent, seven

427
00:24:05.920 --> 00:24:07.559
<v Speaker 16>basis points is pretty nil.

428
00:24:08.359 --> 00:24:11.119
<v Speaker 2>And you're, yeah, it's it's seven tenths of a percent

429
00:24:11.400 --> 00:24:15.839
<v Speaker 2>and and if it's a twenty year horizon. Even though

430
00:24:15.880 --> 00:24:19.160
<v Speaker 2>people speak against the market, in a well placed fund,

431
00:24:19.240 --> 00:24:21.079
<v Speaker 2>the market comes through over time.

432
00:24:22.279 --> 00:24:25.039
<v Speaker 16>Well, the injury is, you know, you've got to outpace inflation,

433
00:24:25.359 --> 00:24:28.079
<v Speaker 16>and you know, the equity markets the only act class

434
00:24:28.079 --> 00:24:29.319
<v Speaker 16>that have consistently done.

435
00:24:29.119 --> 00:24:30.599
<v Speaker 2>That only time now.

436
00:24:30.799 --> 00:24:33.200
<v Speaker 16>But the other thing, time is the mitigating factor for risk.

437
00:24:33.319 --> 00:24:35.640
<v Speaker 2>What about Series one savings bonds? What do you think

438
00:24:35.640 --> 00:24:35.920
<v Speaker 2>of those?

439
00:24:35.960 --> 00:24:39.920
<v Speaker 16>Pat Yeah, those are okay too, depending on you know,

440
00:24:39.960 --> 00:24:42.480
<v Speaker 16>where we are in the interest rates spectrum and what

441
00:24:42.480 --> 00:24:46.160
<v Speaker 16>they're yielding. So I'm very safe. You know, a lot

442
00:24:46.160 --> 00:24:47.799
<v Speaker 16>of times of people it's just not going to pass

443
00:24:47.799 --> 00:24:50.720
<v Speaker 16>the sleep test unless there's some sort of government backed

444
00:24:51.960 --> 00:24:54.519
<v Speaker 16>guarantee on it, or if the IC insured or whatever.

445
00:24:54.559 --> 00:24:56.440
<v Speaker 16>So it really kind of gets back to what you know,

446
00:24:56.559 --> 00:25:00.079
<v Speaker 16>your personal interests are and we're willing to do. As

447
00:25:00.079 --> 00:25:00.680
<v Speaker 16>far as the risk.

448
00:25:00.960 --> 00:25:06.680
<v Speaker 2>Now, there are actually dividend growth stocks which reinvest dividends,

449
00:25:06.680 --> 00:25:13.480
<v Speaker 2>like Schwabs Dividend Equity fund. You have those very low risk.

450
00:25:13.920 --> 00:25:17.799
<v Speaker 2>Then you have just good old fashioned mutual funds, but

451
00:25:17.839 --> 00:25:22.680
<v Speaker 2>they're date mutual funds. You actually you actually commit for

452
00:25:22.759 --> 00:25:28.079
<v Speaker 2>a time and another you know, so those are the basics. Now,

453
00:25:28.240 --> 00:25:32.720
<v Speaker 2>there's always corporate or high quality corporate or municipal bonds,

454
00:25:32.960 --> 00:25:36.640
<v Speaker 2>especially if you're not touching them, they can really grow

455
00:25:37.480 --> 00:25:43.000
<v Speaker 2>and you have tax advantages. Then you have let's see, oh,

456
00:25:43.160 --> 00:25:45.480
<v Speaker 2>just good old T bills, right, Pat, What do you

457
00:25:45.480 --> 00:25:49.480
<v Speaker 2>think are they a little low on the returns as

458
00:25:49.480 --> 00:25:51.200
<v Speaker 2>opposed to what we were talking about?

459
00:25:52.160 --> 00:25:54.680
<v Speaker 16>Yeah, oh yeah, traditionally they would be. And again it

460
00:25:54.680 --> 00:25:57.119
<v Speaker 16>gets back to a lot of reasons people go into

461
00:25:57.160 --> 00:26:00.640
<v Speaker 16>that asset classes for safety and guarantees and things. Yeah,

462
00:26:00.920 --> 00:26:02.920
<v Speaker 16>and the other thing to remember too, for tax deferral

463
00:26:03.000 --> 00:26:04.960
<v Speaker 16>or capital assets. You know, unless you sell them, you

464
00:26:04.960 --> 00:26:07.440
<v Speaker 16>have no gain. So if you buy stock for a

465
00:26:07.480 --> 00:26:10.400
<v Speaker 16>dollar and it's increased in value based from market price

466
00:26:10.440 --> 00:26:12.160
<v Speaker 16>to few dollars, but you don't sell it, you have

467
00:26:12.240 --> 00:26:14.839
<v Speaker 16>no tax. And so when you do that and have

468
00:26:14.880 --> 00:26:17.640
<v Speaker 16>a basket of stocks, you know, diverse fide portfolio and

469
00:26:17.640 --> 00:26:21.119
<v Speaker 16>you need money out, sometimes you can tax harvest the

470
00:26:21.200 --> 00:26:23.680
<v Speaker 16>money out where you you're offsetting one with a game,

471
00:26:24.160 --> 00:26:26.480
<v Speaker 16>maybe with one that has a loss. If you have

472
00:26:26.519 --> 00:26:27.519
<v Speaker 16>any of those, I.

473
00:26:27.480 --> 00:26:29.680
<v Speaker 2>Have some good I have some good news for you though, Brenda.

474
00:26:29.839 --> 00:26:32.799
<v Speaker 2>Here's here's the good news. You know how law firms

475
00:26:33.240 --> 00:26:35.759
<v Speaker 2>take on a certain amount of pro bono work. Well

476
00:26:35.799 --> 00:26:38.440
<v Speaker 2>we've we've dedicated ourselves to that too. So here's what

477
00:26:38.480 --> 00:26:40.880
<v Speaker 2>I want to We don't want we don't want your money,

478
00:26:40.920 --> 00:26:43.079
<v Speaker 2>we don't want to dine from you. You want some

479
00:26:43.160 --> 00:26:48.480
<v Speaker 2>free advice, absolutely no obligation. Because you're a grandma, you're

480
00:26:48.480 --> 00:26:50.720
<v Speaker 2>looking after your kids. I want you to call Pat.

481
00:26:50.960 --> 00:26:54.759
<v Speaker 2>Just call them and this is there's no there's no charge,

482
00:26:54.839 --> 00:26:57.880
<v Speaker 2>no sneak nothing. You just call them and he'll be

483
00:26:58.079 --> 00:27:01.519
<v Speaker 2>happy to talk to you. Because that that's it. Just

484
00:27:01.799 --> 00:27:03.720
<v Speaker 2>and and I'll give you the numbers three oh three

485
00:27:03.839 --> 00:27:08.000
<v Speaker 2>seven seven to one. Help Okay, that's seven seven four

486
00:27:08.519 --> 00:27:09.200
<v Speaker 2>five seven.

487
00:27:10.160 --> 00:27:11.519
<v Speaker 15>What company will you with again?

488
00:27:12.000 --> 00:27:14.920
<v Speaker 2>It's with Wave eight Wealth Management. And here's the disclaimer.

489
00:27:15.079 --> 00:27:17.200
<v Speaker 2>It's my company. So I just want you to know that.

490
00:27:17.240 --> 00:27:19.440
<v Speaker 2>But we're not looking for a time. I just want

491
00:27:19.440 --> 00:27:20.880
<v Speaker 2>to let you know that I have to. I have

492
00:27:20.960 --> 00:27:23.119
<v Speaker 2>to let people know that. Okay, So let's go on

493
00:27:23.160 --> 00:27:25.559
<v Speaker 2>to uh, let's go on to Allen, who has a

494
00:27:25.599 --> 00:27:28.119
<v Speaker 2>comment on roths. Go ahead, Alan, what's your comment?

495
00:27:29.359 --> 00:27:32.480
<v Speaker 17>Yeah, so Tom, thanks for having me on, sir. Yeah,

496
00:27:32.480 --> 00:27:35.039
<v Speaker 17>I just wanted to mention that rules changed on five

497
00:27:35.079 --> 00:27:39.960
<v Speaker 17>twenty nine plans here recently. But now you can convert

498
00:27:40.279 --> 00:27:44.720
<v Speaker 17>unused five twenty nine funds to the student's roth ira.

499
00:27:45.359 --> 00:27:48.680
<v Speaker 17>You're right, yeah, but there are conditions, right, you have

500
00:27:48.759 --> 00:27:51.319
<v Speaker 17>to hold you have to have the account for fifteen

501
00:27:51.400 --> 00:27:55.640
<v Speaker 17>years before you qualify, and then you can convert up

502
00:27:55.640 --> 00:28:00.440
<v Speaker 17>to thirty five thousand uh to their roth ira, but

503
00:28:00.599 --> 00:28:03.599
<v Speaker 17>only a certain amount every year. I call it kind

504
00:28:03.599 --> 00:28:07.240
<v Speaker 17>of like the best graduation gift that you can give

505
00:28:07.400 --> 00:28:10.319
<v Speaker 17>is getting a student started with their roth ira. But

506
00:28:10.400 --> 00:28:13.799
<v Speaker 17>it's tax three to convert converting, so it's almost like.

507
00:28:13.799 --> 00:28:17.240
<v Speaker 2>A yeah, it's the best of both worlds. It's the

508
00:28:17.240 --> 00:28:19.079
<v Speaker 2>best of both worlds. If they're going to keep it

509
00:28:19.079 --> 00:28:22.000
<v Speaker 2>that long, you're right. And if yeah, yeah, and they're

510
00:28:22.039 --> 00:28:25.119
<v Speaker 2>not going to go to college, well they.

511
00:28:25.000 --> 00:28:25.880
<v Speaker 18>Can go to college.

512
00:28:25.880 --> 00:28:28.319
<v Speaker 17>It's just any money that isn't used can go into

513
00:28:28.359 --> 00:28:31.519
<v Speaker 17>their own roth ira. But it's huge, man, because last

514
00:28:31.680 --> 00:28:34.519
<v Speaker 17>before you were stuck with it, right, Hey, the right

515
00:28:34.680 --> 00:28:36.839
<v Speaker 17>got scholars right, and like what do we do with

516
00:28:36.880 --> 00:28:37.359
<v Speaker 17>this money?

517
00:28:38.079 --> 00:28:41.000
<v Speaker 2>You're right, Alan, But thank you so much for that.

518
00:28:41.079 --> 00:28:43.559
<v Speaker 2>Appreciate it. I forgot to mention that, and that is

519
00:28:43.599 --> 00:28:46.200
<v Speaker 2>an option that makes it even more attractive. Thank you, Alan.

520
00:28:46.240 --> 00:28:49.160
<v Speaker 2>Three oh three seven one three A two five five.

521
00:28:53.920 --> 00:28:58.759
<v Speaker 2>Hi Tom Martino here three oh three seven one three

522
00:28:58.799 --> 00:29:02.559
<v Speaker 2>talks seven to one three two five five. Compass Insurance

523
00:29:02.599 --> 00:29:06.640
<v Speaker 2>Group will do free insurance checkups for the asking three

524
00:29:06.640 --> 00:29:09.400
<v Speaker 2>oh three nine nine six nine thousand. This is a

525
00:29:09.400 --> 00:29:11.680
<v Speaker 2>good time year to do that three oh three nine

526
00:29:11.759 --> 00:29:13.920
<v Speaker 2>nine six nine thousand. And you don't have to wait

527
00:29:13.960 --> 00:29:16.720
<v Speaker 2>for the anniversary date to get a partial refund and

528
00:29:16.759 --> 00:29:19.799
<v Speaker 2>move on to better coverage if you need it. The

529
00:29:19.880 --> 00:29:23.759
<v Speaker 2>Insurancehealthcenter dot com. Hey Larry, what's going on with you? Larry?

530
00:29:23.799 --> 00:29:28.319
<v Speaker 12>Welcome Tom. I heard you were talking about possible fishing,

531
00:29:28.680 --> 00:29:31.160
<v Speaker 12>you know, fishing on accounts, financial accounts and that.

532
00:29:31.200 --> 00:29:31.519
<v Speaker 3>Sort of thing.

533
00:29:32.119 --> 00:29:35.279
<v Speaker 12>If you remember maybe three months ago where they announced

534
00:29:35.279 --> 00:29:37.039
<v Speaker 12>that this one company, I don't know the name of it,

535
00:29:37.079 --> 00:29:40.640
<v Speaker 12>but they had everybody's addresses, phone numbers, social security numbers,

536
00:29:40.680 --> 00:29:41.920
<v Speaker 12>and telephone numbers.

537
00:29:41.960 --> 00:29:44.079
<v Speaker 2>Well, there were a number of companies that did that

538
00:29:44.200 --> 00:29:46.880
<v Speaker 2>over the years. I'm not sure which one specifically you're

539
00:29:46.880 --> 00:29:47.279
<v Speaker 2>talking about.

540
00:29:47.279 --> 00:29:50.519
<v Speaker 12>Go ahead, sir, Okay, So here's what I've done. Okay.

541
00:29:50.640 --> 00:29:52.200
<v Speaker 12>Takes a little bit of time to set this up,

542
00:29:52.200 --> 00:29:54.720
<v Speaker 12>but I believe once you set it up, okay, probably

543
00:29:54.759 --> 00:29:57.359
<v Speaker 12>going to eliminate any of the problem down the road. Cool,

544
00:29:57.640 --> 00:30:01.680
<v Speaker 12>go into and create a new email. Now, if you're

545
00:30:01.720 --> 00:30:05.200
<v Speaker 12>on Google, create the email on Yahoo. If you're on Yahoo,

546
00:30:05.240 --> 00:30:09.319
<v Speaker 12>created committed an Outlook or some other platform, some one

547
00:30:09.400 --> 00:30:11.960
<v Speaker 12>other platform that you've never used before. They're all free

548
00:30:12.559 --> 00:30:16.039
<v Speaker 12>down and then create that email. But it's not your name, okay,

549
00:30:16.039 --> 00:30:18.079
<v Speaker 12>and it's not linked to your main email.

550
00:30:18.519 --> 00:30:18.880
<v Speaker 2>Okay.

551
00:30:19.039 --> 00:30:21.799
<v Speaker 12>So just let's for example, you create a new email

552
00:30:21.839 --> 00:30:24.000
<v Speaker 12>called blueface at yahoo dot com.

553
00:30:24.079 --> 00:30:24.240
<v Speaker 2>Right.

554
00:30:24.759 --> 00:30:28.000
<v Speaker 12>Then you go to every one of your bank accounts,

555
00:30:28.079 --> 00:30:32.079
<v Speaker 12>brokerage accounts, everything, and you you wipe out your original

556
00:30:32.079 --> 00:30:35.599
<v Speaker 12>email and you put that email in there. Okay, okay,

557
00:30:35.839 --> 00:30:38.519
<v Speaker 12>that's number one. Then you go to Walmart and you

558
00:30:38.519 --> 00:30:42.519
<v Speaker 12>buy a track phone and you register the track phone.

559
00:30:42.680 --> 00:30:45.759
<v Speaker 12>You know, I suggest you go to a library and

560
00:30:45.839 --> 00:30:47.839
<v Speaker 12>use their computer, because otherwise you'll have your.

561
00:30:47.720 --> 00:30:48.240
<v Speaker 19>E r L.

562
00:30:49.200 --> 00:30:52.160
<v Speaker 12>And when you when you activate a track phone, basically

563
00:30:52.200 --> 00:30:55.799
<v Speaker 12>you know slang is a burner phone. They don't they

564
00:30:55.839 --> 00:30:57.519
<v Speaker 12>don't ask you for your name or anything. They simply

565
00:30:57.559 --> 00:30:58.519
<v Speaker 12>ask you for an email.

566
00:30:58.960 --> 00:30:59.279
<v Speaker 2>Okay.

567
00:30:59.680 --> 00:31:01.839
<v Speaker 12>So they when you give them that blue face email,

568
00:31:03.119 --> 00:31:05.480
<v Speaker 12>and now you have a phone connected to that email,

569
00:31:05.920 --> 00:31:09.079
<v Speaker 12>right that really nobody else has because you've never sent

570
00:31:09.119 --> 00:31:11.359
<v Speaker 12>an email out under that name, and you've never called

571
00:31:11.400 --> 00:31:12.519
<v Speaker 12>anyone with that phone.

572
00:31:13.119 --> 00:31:16.200
<v Speaker 2>Okay, okay, yeah.

573
00:31:15.960 --> 00:31:19.759
<v Speaker 12>So then you know you buy three months airtime, which

574
00:31:19.799 --> 00:31:23.119
<v Speaker 12>is like nineteen bucks at a time, and you only

575
00:31:23.240 --> 00:31:25.839
<v Speaker 12>use that phone, and you only use that email for

576
00:31:25.880 --> 00:31:30.440
<v Speaker 12>your financial accounts. Okay, you never call anybody, you never,

577
00:31:30.559 --> 00:31:32.240
<v Speaker 12>you never even give it out to anybody. The only

578
00:31:32.240 --> 00:31:34.559
<v Speaker 12>people have it are your financial accounts. I like what

579
00:31:34.599 --> 00:31:37.039
<v Speaker 12>I'm here, So you know then? Yeah, so you know

580
00:31:37.160 --> 00:31:40.200
<v Speaker 12>then if you get some sort of phishing expedition that

581
00:31:40.279 --> 00:31:42.880
<v Speaker 12>you might not be aware of on your regular email,

582
00:31:42.880 --> 00:31:44.559
<v Speaker 12>you're going to know right away. Listen, I don't have

583
00:31:44.640 --> 00:31:47.319
<v Speaker 12>any of my normal emails connected with my financial accounts.

584
00:31:47.720 --> 00:31:49.079
<v Speaker 12>This has got to be a scam.

585
00:31:50.400 --> 00:31:53.880
<v Speaker 2>Wow, you know what. I like it? Hang on please,

586
00:31:53.960 --> 00:31:56.920
<v Speaker 2>I want to ask you a couple of questions. I

587
00:31:57.079 --> 00:31:59.720
<v Speaker 2>like that. I'm Tom Martine. We have more coming up

588
00:31:59.720 --> 00:32:03.480
<v Speaker 2>on the Troubleshooter Show. We haven't genius listeners. I love them.

589
00:32:04.000 --> 00:32:06.319
<v Speaker 2>Remember three oh three Martino, you can call twenty four

590
00:32:06.440 --> 00:32:08.400
<v Speaker 2>seven as well. Three oh three six two seven eight

591
00:32:08.440 --> 00:32:09.640
<v Speaker 2>four six six.

592
00:32:10.759 --> 00:32:18.440
<v Speaker 1>Yeah, rip dum, bad news.

593
00:32:19.000 --> 00:32:20.279
<v Speaker 3>You need advice who.

594
00:32:20.200 --> 00:32:21.000
<v Speaker 20>You don't have the.

595
00:32:23.000 --> 00:32:25.400
<v Speaker 3>Come running just as fast as we can.

596
00:32:26.279 --> 00:32:28.839
<v Speaker 4>Show Shooter's gonna help coming.

597
00:32:29.240 --> 00:32:32.319
<v Speaker 5>Man Dix is the Troubleshooter Show.

598
00:32:32.960 --> 00:32:38.359
<v Speaker 2>No Tom Martino, Hi, Tom Martino here, Welcome to the show.

599
00:32:38.440 --> 00:32:42.400
<v Speaker 2>Three oh three seven one three talk three oh three

600
00:32:42.680 --> 00:32:45.200
<v Speaker 2>seven one three eight two five five. This hour brought

601
00:32:45.240 --> 00:32:49.559
<v Speaker 2>to you by renew home Innovations dot Com. The shower

602
00:32:49.599 --> 00:32:53.000
<v Speaker 2>conversions that are beautiful, done in two or three days,

603
00:32:53.160 --> 00:32:55.400
<v Speaker 2>and you have seventy two months to pay with no interest.

604
00:32:55.640 --> 00:32:57.480
<v Speaker 2>No one does it better than that. And you have

605
00:32:57.559 --> 00:33:01.079
<v Speaker 2>stone walls that don't need any maintenance, and glass panels

606
00:33:01.079 --> 00:33:04.440
<v Speaker 2>and wrap around glass where you don't need those doors anymore.

607
00:33:04.480 --> 00:33:07.160
<v Speaker 2>I don't think anybody has doors anymore. Right, no thresholds

608
00:33:07.200 --> 00:33:10.400
<v Speaker 2>to stumble or walk over. Renew Home Innovations dot Com.

609
00:33:10.440 --> 00:33:12.599
<v Speaker 2>Three oh three nine zero four to two thousand two

610
00:33:12.680 --> 00:33:14.640
<v Speaker 2>or three days, so you still get it done before holidays,

611
00:33:14.640 --> 00:33:17.920
<v Speaker 2>believe it or not? Maybe not Thanksgiving? Right, renew home

612
00:33:17.960 --> 00:33:22.000
<v Speaker 2>Innovations dot Com. Bob Logan's with us from plumb Line Services.

613
00:33:22.039 --> 00:33:24.680
<v Speaker 2>Welcome to the show, Bob, and I want to ask you.

614
00:33:24.799 --> 00:33:27.799
<v Speaker 2>Somebody texted us real quick here and they said, Bob

615
00:33:27.920 --> 00:33:33.680
<v Speaker 2>mentioned they have people on and they wanted to know,

616
00:33:33.720 --> 00:33:36.200
<v Speaker 2>do you actually do full service if they need it,

617
00:33:36.279 --> 00:33:41.160
<v Speaker 2>or only emergencies on Thanksgiving, on holidays or around holidays.

618
00:33:41.160 --> 00:33:48.079
<v Speaker 6>It's again, it's all volunteer. We're we're actually closed on holidays,

619
00:33:48.079 --> 00:33:51.720
<v Speaker 6>so it's all volunteers. So typically it's it's emergency service repair.

620
00:33:51.839 --> 00:33:55.079
<v Speaker 6>So if someone needs a new furnace, for example, yeah,

621
00:33:55.119 --> 00:33:56.880
<v Speaker 6>you put it off obviously, Yeah, we'll get them. We'll

622
00:33:56.920 --> 00:33:58.880
<v Speaker 6>get them heat, you know, we'll bring in space heaters,

623
00:33:58.920 --> 00:34:01.160
<v Speaker 6>whatever we have to do or repair their unit to

624
00:34:01.160 --> 00:34:05.039
<v Speaker 6>get him some heat for the night. But uh so, yes,

625
00:34:05.079 --> 00:34:06.440
<v Speaker 6>it's it's mainly a mermency service.

626
00:34:06.519 --> 00:34:10.000
<v Speaker 2>Is in most I've heard that Thanksgiving is one of

627
00:34:10.039 --> 00:34:12.440
<v Speaker 2>the biggest plumbing days.

628
00:34:12.239 --> 00:34:16.119
<v Speaker 6>It is, I mean, yeah, exactly, people. Why well, because

629
00:34:16.119 --> 00:34:18.360
<v Speaker 6>people are putting stuff down their drains they shouldn't be.

630
00:34:18.800 --> 00:34:22.360
<v Speaker 6>It's it's it's not always toilets, Tom It's yeah, it's

631
00:34:22.360 --> 00:34:25.320
<v Speaker 6>it's typically kitchen sinks. They're putting stuff down the disposal

632
00:34:25.320 --> 00:34:28.760
<v Speaker 6>that shouldn't go down a disposal. Yeah, all right, that's

633
00:34:28.760 --> 00:34:29.639
<v Speaker 6>that's typically.

634
00:34:29.320 --> 00:34:31.519
<v Speaker 2>On some line services dot com. We've been with these

635
00:34:31.519 --> 00:34:34.960
<v Speaker 2>guys a long time from the very beginning. Dennis, by

636
00:34:34.960 --> 00:34:37.119
<v Speaker 2>the way, he wants to talk about car insurance. Larry,

637
00:34:37.159 --> 00:34:39.039
<v Speaker 2>I haven't forgotten about you, but I want to take Dennis.

638
00:34:39.079 --> 00:34:40.679
<v Speaker 2>He's been waiting while Dennis go ahead.

639
00:34:43.800 --> 00:34:50.559
<v Speaker 21>Yes, sir, uh, I had a car crushed by oak

640
00:34:50.599 --> 00:34:55.599
<v Speaker 21>tree trunk during the snowstorm two weeks ago, and uh

641
00:34:55.639 --> 00:34:59.239
<v Speaker 21>it was. It was an older car, and my apartment

642
00:34:59.320 --> 00:35:03.800
<v Speaker 21>complex refuses to take any type of responsibility.

643
00:35:03.960 --> 00:35:06.360
<v Speaker 2>Well, let's talk about it because there might there might

644
00:35:06.400 --> 00:35:09.119
<v Speaker 2>be some bad news on who's responsible or if they are.

645
00:35:09.159 --> 00:35:12.159
<v Speaker 2>But I want to hear the circumstances. You say you're

646
00:35:12.159 --> 00:35:15.320
<v Speaker 2>two thousand and five Toyota Highlander. By the way, that's

647
00:35:15.360 --> 00:35:17.760
<v Speaker 2>in the notes. That's why I know you didn't say it,

648
00:35:17.760 --> 00:35:22.079
<v Speaker 2>But your two thousand and five Toyota Highlander was crushed.

649
00:35:22.599 --> 00:35:26.840
<v Speaker 2>Now was this during a snowstorm or just regular sitting there?

650
00:35:29.199 --> 00:35:31.440
<v Speaker 21>My car was marked in the parking lot of the

651
00:35:31.519 --> 00:35:33.000
<v Speaker 21>Van Dyke building.

652
00:35:32.960 --> 00:35:34.719
<v Speaker 2>That's by a big tree, right.

653
00:35:35.440 --> 00:35:37.719
<v Speaker 21>By a big tree. It is on their parking lot,

654
00:35:38.079 --> 00:35:41.920
<v Speaker 21>their tree. And I've been in good standing with the

655
00:35:41.960 --> 00:35:45.599
<v Speaker 21>apartment complex for ten years and I love the people

656
00:35:45.599 --> 00:35:48.239
<v Speaker 21>and I don't want to get aggressive and take them

657
00:35:48.280 --> 00:35:48.679
<v Speaker 21>to court.

658
00:35:49.320 --> 00:35:53.000
<v Speaker 2>Well you may not, sir, Listen, listen carefully. I want.

659
00:35:53.079 --> 00:35:55.599
<v Speaker 2>I want to give you accurate information. You may not

660
00:35:55.760 --> 00:35:59.039
<v Speaker 2>have a case. You may not have a case because

661
00:35:59.079 --> 00:36:08.920
<v Speaker 2>something happens. It's not automatically liability. Okay, we got to

662
00:36:08.960 --> 00:36:12.519
<v Speaker 2>create the scenario for liability. Well, not create, we have

663
00:36:12.599 --> 00:36:17.039
<v Speaker 2>to examine if it is liability or negligence. So negligence

664
00:36:17.039 --> 00:36:20.320
<v Speaker 2>which equals liability. So let's talk about it. Was this

665
00:36:20.440 --> 00:36:24.440
<v Speaker 2>tree all decrepit and in disrepair.

666
00:36:26.000 --> 00:36:28.519
<v Speaker 21>It was an old tree. It was kind of rotten,

667
00:36:28.960 --> 00:36:33.039
<v Speaker 21>but they had attended to it in early fall as

668
00:36:33.079 --> 00:36:37.880
<v Speaker 21>far as pruning and trimming some of the limbs off.

669
00:36:38.639 --> 00:36:41.960
<v Speaker 2>That's bad news for you, It is so bad news. Yeah,

670
00:36:42.000 --> 00:36:45.039
<v Speaker 2>because they were attending to it. But did they see

671
00:36:45.039 --> 00:36:49.239
<v Speaker 2>a condition? Maybe? And this could possibly be that the

672
00:36:49.360 --> 00:36:52.280
<v Speaker 2>tree service says you need to do this and they say, nah,

673
00:36:52.440 --> 00:36:53.280
<v Speaker 2>we'd rather wait.

674
00:36:54.559 --> 00:36:55.719
<v Speaker 21>I'm not aware of that, sir.

675
00:36:56.239 --> 00:36:58.159
<v Speaker 2>Well you're not aware of it yet. But do you

676
00:36:58.239 --> 00:36:59.679
<v Speaker 2>know the name of the tree company?

677
00:37:00.719 --> 00:37:00.880
<v Speaker 11>No?

678
00:37:00.960 --> 00:37:05.119
<v Speaker 2>I don't Okay. Next question. Is it a tree that

679
00:37:05.159 --> 00:37:07.800
<v Speaker 2>someone would look at and say, wow, that looks like crap?

680
00:37:09.519 --> 00:37:11.800
<v Speaker 21>Well it's an old garden wood. Yeah, you know how

681
00:37:11.880 --> 00:37:14.079
<v Speaker 21>those things kind of rot out in the middle.

682
00:37:14.360 --> 00:37:17.400
<v Speaker 2>Well no, I'm asking though, is it so apparently rotten

683
00:37:18.280 --> 00:37:21.719
<v Speaker 2>that you expected to fall any minute.

684
00:37:22.400 --> 00:37:24.480
<v Speaker 21>Well, when you see where it was broken off, it

685
00:37:24.559 --> 00:37:25.079
<v Speaker 21>was rotten.

686
00:37:25.360 --> 00:37:27.920
<v Speaker 2>No, I'm asking you, Dennis. I'm asking a question, and

687
00:37:27.960 --> 00:37:30.599
<v Speaker 2>it's a trick question because you're going to be asked

688
00:37:30.639 --> 00:37:33.840
<v Speaker 2>the question. Was it rotten enough that when you looked

689
00:37:33.880 --> 00:37:36.519
<v Speaker 2>at it the common man could see it was rotten

690
00:37:36.920 --> 00:37:38.280
<v Speaker 2>and in danger of falling?

691
00:37:39.559 --> 00:37:41.719
<v Speaker 21>I can't say that for sure. I don't believe good.

692
00:37:42.039 --> 00:37:45.559
<v Speaker 2>Good, because you wouldn't have parked there. That's good answer,

693
00:37:45.559 --> 00:37:50.559
<v Speaker 2>by the way. Okay, Now, what do you think that

694
00:37:50.840 --> 00:37:54.559
<v Speaker 2>the parking lot did that contributed to this?

695
00:37:56.039 --> 00:37:59.360
<v Speaker 21>The parking lot did not be I just thought.

696
00:37:59.199 --> 00:38:00.840
<v Speaker 2>That, what do you think Van You know what I

697
00:38:00.880 --> 00:38:02.679
<v Speaker 2>meant by that, Van Dyke? What do you think Van

698
00:38:02.760 --> 00:38:07.599
<v Speaker 2>Dyke did to contribute to this loss of yours?

699
00:38:07.880 --> 00:38:10.960
<v Speaker 21>Well, I don't believe that they did anything to contribute

700
00:38:11.000 --> 00:38:13.480
<v Speaker 21>to it. I just believe that they should be that

701
00:38:13.559 --> 00:38:19.599
<v Speaker 21>they are somewhat responsible for tenants they see it because

702
00:38:19.880 --> 00:38:22.679
<v Speaker 21>they writ and lived there, and that doesn't.

703
00:38:22.519 --> 00:38:26.199
<v Speaker 2>Entitle me to okayection, So if you were parked there

704
00:38:26.599 --> 00:38:30.199
<v Speaker 2>and a big semi truck came down and went into

705
00:38:30.199 --> 00:38:32.960
<v Speaker 2>that went off the road into that parking lot and

706
00:38:33.079 --> 00:38:36.360
<v Speaker 2>destroyed your highlander? Would they be responsible for that?

707
00:38:38.440 --> 00:38:39.079
<v Speaker 18>They would be?

708
00:38:39.760 --> 00:38:41.599
<v Speaker 21>Who would be? I would say the truck driver?

709
00:38:42.239 --> 00:38:45.840
<v Speaker 2>That's right now. The parking lot would have nothing to

710
00:38:45.880 --> 00:38:47.719
<v Speaker 2>do with it. I'm not trying to trick you. I'm

711
00:38:47.719 --> 00:38:52.480
<v Speaker 2>trying to establish to help me whether the part whether

712
00:38:52.519 --> 00:38:54.400
<v Speaker 2>the I want to know what the building did wrong.

713
00:38:55.079 --> 00:39:00.599
<v Speaker 2>Just because there's a tree there doesn't make them liable

714
00:39:00.679 --> 00:39:04.639
<v Speaker 2>for it, well it does, it makes but they have

715
00:39:04.679 --> 00:39:07.960
<v Speaker 2>to be negligent. They have to know about a dangerous condition.

716
00:39:08.639 --> 00:39:13.719
<v Speaker 2>And I'm thinking, why was it? Did it just break?

717
00:39:13.840 --> 00:39:17.239
<v Speaker 2>Was a high winds? What did it just fall? That's weird?

718
00:39:17.280 --> 00:39:18.840
<v Speaker 21>Gross because of the snow weight?

719
00:39:19.559 --> 00:39:23.519
<v Speaker 2>Uh? Oh, bad answer. That's a bad answer.

720
00:39:23.920 --> 00:39:25.840
<v Speaker 21>You know why the foreseeable act of God?

721
00:39:26.079 --> 00:39:30.599
<v Speaker 2>Yeah, that's right. But Dennis, what do they say?

722
00:39:30.840 --> 00:39:35.480
<v Speaker 21>They just say no, they just said we're not responsible.

723
00:39:36.000 --> 00:39:40.719
<v Speaker 21>And you know what, I can I could swallow that.

724
00:39:41.639 --> 00:39:45.360
<v Speaker 21>But let's just take a case where if the parking

725
00:39:45.400 --> 00:39:50.599
<v Speaker 21>lot was uh even clear of ice, just it was

726
00:39:50.880 --> 00:39:55.079
<v Speaker 21>dry pavement and I fell down? What about a slip

727
00:39:55.159 --> 00:39:59.719
<v Speaker 21>and fall? Sometimes that Uh, they have to be responsible

728
00:39:59.719 --> 00:40:01.719
<v Speaker 21>because he's on their property. Right.

729
00:40:01.920 --> 00:40:07.639
<v Speaker 2>Nope, No, these are no these are all myths. No, okay,

730
00:40:07.719 --> 00:40:11.480
<v Speaker 2>they're only responsible. They did something wrong. I want to

731
00:40:11.519 --> 00:40:13.840
<v Speaker 2>get you to believe I don't believe. Hold on, though,

732
00:40:13.880 --> 00:40:16.840
<v Speaker 2>let's wrong. You know what you waited. Hold On, let

733
00:40:16.920 --> 00:40:19.280
<v Speaker 2>me get you some let me get you some information.

734
00:40:19.559 --> 00:40:22.320
<v Speaker 2>Let's ask John Fuller his opinion, so we have a

735
00:40:22.320 --> 00:40:25.440
<v Speaker 2>better picture of this. This show is all about education,

736
00:40:25.880 --> 00:40:30.320
<v Speaker 2>it really is. So hang on, all right, and let's

737
00:40:30.400 --> 00:40:32.800
<v Speaker 2>try to get uh let's try to get him on

738
00:40:32.840 --> 00:40:36.480
<v Speaker 2>all right, John Fuller, just to talk about this in general.

739
00:40:37.199 --> 00:40:41.360
<v Speaker 2>I want to ask Larry again. Now, Larry, I liked Mark.

740
00:40:41.559 --> 00:40:43.159
<v Speaker 2>I don't see his camera up. Mark. I don't know

741
00:40:43.159 --> 00:40:45.320
<v Speaker 2>if you're still on or not, but I don't see

742
00:40:45.320 --> 00:40:48.159
<v Speaker 2>your camera. But Mark thought it was a ridiculous idea,

743
00:40:48.159 --> 00:40:51.320
<v Speaker 2>and I wanted to ask him why because I think

744
00:40:51.360 --> 00:40:52.159
<v Speaker 2>it's a good idea.

745
00:40:52.239 --> 00:40:54.119
<v Speaker 5>Larry seems like a lot of work to go to

746
00:40:54.159 --> 00:40:56.360
<v Speaker 5>Walmart and get a phone just for that purpose.

747
00:40:56.920 --> 00:41:00.920
<v Speaker 2>But Mark, I think, no, no, hold on, I think

748
00:41:00.960 --> 00:41:03.599
<v Speaker 2>what he's saying correct me if I'm wrong. And I

749
00:41:03.639 --> 00:41:05.880
<v Speaker 2>want to explore this. Mark has good instincts. I just

750
00:41:05.920 --> 00:41:08.719
<v Speaker 2>want to ask him, like Mark, like I have, and

751
00:41:08.760 --> 00:41:11.320
<v Speaker 2>you have. You know, we have several accounts. So let's

752
00:41:11.320 --> 00:41:13.559
<v Speaker 2>say I have five or six accounts. I have probably

753
00:41:13.599 --> 00:41:16.360
<v Speaker 2>more eight to ten accounts, let's say, and if I

754
00:41:16.480 --> 00:41:18.599
<v Speaker 2>use this phone for those, it's not a lot of

755
00:41:18.639 --> 00:41:21.079
<v Speaker 2>work for all of that, right, I mean, I have

756
00:41:21.199 --> 00:41:25.599
<v Speaker 2>one email and about and one the phone that I

757
00:41:25.719 --> 00:41:30.159
<v Speaker 2>use just for financial transactions. That basically, if it's not

758
00:41:30.320 --> 00:41:33.800
<v Speaker 2>in the public domain and I don't use it a lot,

759
00:41:34.440 --> 00:41:38.039
<v Speaker 2>I don't. I kind of liked the idea, Larry, What.

760
00:41:37.920 --> 00:41:40.719
<v Speaker 12>Did you mean you've reduced Well, you've reduced your chances

761
00:41:40.760 --> 00:41:44.159
<v Speaker 12>of being scammed. Okay, maybe not completely, but you've reduced

762
00:41:44.159 --> 00:41:47.519
<v Speaker 12>it ninety percent, I believe because they don't have your name.

763
00:41:48.039 --> 00:41:52.559
<v Speaker 12>That's how they search people by name. Oh one other

764
00:41:52.599 --> 00:41:56.159
<v Speaker 12>thing I didn't share. When you activate the phone, by

765
00:41:56.159 --> 00:41:58.480
<v Speaker 12>the way, they're nineteen dollars. You have to ask for them, though, Well,

766
00:41:58.559 --> 00:41:59.880
<v Speaker 12>my other wife, I want to sell you the thirty

767
00:42:00.199 --> 00:42:05.400
<v Speaker 12>other one. When you activate it again from a public library,

768
00:42:06.119 --> 00:42:08.519
<v Speaker 12>they'll ask you for that email address, which is that

769
00:42:08.719 --> 00:42:10.159
<v Speaker 12>new email address you used blue?

770
00:42:10.239 --> 00:42:11.639
<v Speaker 2>Yeah, but let me ask you something then and then

771
00:42:11.639 --> 00:42:13.840
<v Speaker 2>there wait wait, wait, wait, wait, when there's something that

772
00:42:13.920 --> 00:42:16.079
<v Speaker 2>might defeat the whole thing, I need to ask you

773
00:42:16.159 --> 00:42:19.679
<v Speaker 2>this do you use apps on that phone. It's got

774
00:42:19.679 --> 00:42:21.760
<v Speaker 2>to be a smartphone, so you do have apps on

775
00:42:21.800 --> 00:42:23.440
<v Speaker 2>that phone for the accounts, right.

776
00:42:24.760 --> 00:42:27.000
<v Speaker 12>The only thing you use on that phone is to

777
00:42:27.159 --> 00:42:29.440
<v Speaker 12>receive a call from your bank or if they should

778
00:42:29.440 --> 00:42:30.320
<v Speaker 12>call you, which they interview.

779
00:42:30.480 --> 00:42:33.440
<v Speaker 2>Then when you want to gain access to get a text, Larry,

780
00:42:33.519 --> 00:42:36.480
<v Speaker 2>we don't want to gain access to your account. Can

781
00:42:36.519 --> 00:42:38.679
<v Speaker 2>you go on your laptop at home? How do you

782
00:42:38.800 --> 00:42:42.480
<v Speaker 2>gain access online access? Because that's mandatory for me.

783
00:42:43.360 --> 00:42:46.159
<v Speaker 12>I need no, No, you don't change that. You go

784
00:42:46.320 --> 00:42:48.360
<v Speaker 12>right in because I mean, at that point, you're not

785
00:42:48.400 --> 00:42:50.480
<v Speaker 12>being scammed. You're just using your own accounts. You just

786
00:42:50.480 --> 00:42:53.679
<v Speaker 12>go on your computer access you know you let's say

787
00:42:53.679 --> 00:42:57.599
<v Speaker 12>your Morgan Stanley account by putting in your new email

788
00:42:57.679 --> 00:43:00.320
<v Speaker 12>blue face and your new phone number, and then they

789
00:43:00.519 --> 00:43:03.360
<v Speaker 12>text you back to that phone number. Okay, really nobody

790
00:43:03.360 --> 00:43:05.639
<v Speaker 12>else would have Okay, let me let me just share

791
00:43:05.639 --> 00:43:08.880
<v Speaker 12>one other thing about the phone number. When you activate it,

792
00:43:08.920 --> 00:43:11.559
<v Speaker 12>they asked you what area code you want, so you

793
00:43:11.599 --> 00:43:15.400
<v Speaker 12>put in an area code where you've never lived. Okay,

794
00:43:15.679 --> 00:43:16.840
<v Speaker 12>so you've never been to Utah?

795
00:43:16.880 --> 00:43:18.960
<v Speaker 2>Can you activate? Oh you need the phone? Let you

796
00:43:19.039 --> 00:43:19.280
<v Speaker 2>do that?

797
00:43:20.440 --> 00:43:21.440
<v Speaker 12>Absolutely?

798
00:43:21.840 --> 00:43:26.400
<v Speaker 2>Wow? You know, Larry, I don't. I don't hate this idea, Mark,

799
00:43:26.760 --> 00:43:31.000
<v Speaker 2>do you hate this idea? Seems like a lot, But

800
00:43:31.119 --> 00:43:33.280
<v Speaker 2>you keep saying that, what tell me what part that?

801
00:43:33.440 --> 00:43:34.480
<v Speaker 2>What seems like a lot?

802
00:43:34.639 --> 00:43:35.639
<v Speaker 12>What don't you like about it?

803
00:43:35.679 --> 00:43:35.840
<v Speaker 2>Well?

804
00:43:36.039 --> 00:43:38.559
<v Speaker 5>Okay, so I'm hearing you're going to have like a

805
00:43:38.559 --> 00:43:40.320
<v Speaker 5>burner phone for what ten years?

806
00:43:40.360 --> 00:43:40.639
<v Speaker 2>Plus?

807
00:43:40.679 --> 00:43:42.960
<v Speaker 5>You go to the public library for what again?

808
00:43:44.480 --> 00:43:45.239
<v Speaker 12>Just one time?

809
00:43:45.440 --> 00:43:46.559
<v Speaker 5>I wouldn't even know where.

810
00:43:46.360 --> 00:43:48.960
<v Speaker 2>A library is, just one time to set up the email.

811
00:43:49.000 --> 00:43:51.360
<v Speaker 2>I don't think it just seems like at that's all

812
00:43:51.440 --> 00:43:54.480
<v Speaker 2>I mean. I think it seems like a lot, Larry.

813
00:43:54.519 --> 00:43:57.280
<v Speaker 2>A VPN. A VPN accomplishes the library.

814
00:43:57.480 --> 00:44:00.599
<v Speaker 5>Yeah, I mean exactly. You can log onto av from

815
00:44:00.599 --> 00:44:01.400
<v Speaker 5>your phone for that.

816
00:44:03.920 --> 00:44:04.280
<v Speaker 12>You want.

817
00:44:04.320 --> 00:44:08.480
<v Speaker 2>I'm Mark, He's not talking about going to a library

818
00:44:08.480 --> 00:44:09.760
<v Speaker 2>every time you want to log on. And he said

819
00:44:09.760 --> 00:44:12.599
<v Speaker 2>when you set up your email instead of he doesn't

820
00:44:12.599 --> 00:44:14.840
<v Speaker 2>want people to have your IP. So you used to

821
00:44:14.920 --> 00:44:16.840
<v Speaker 2>use a VPN. So you set up an email with

822
00:44:16.880 --> 00:44:19.840
<v Speaker 2>a VPN. You once you get the email, then you

823
00:44:19.880 --> 00:44:21.800
<v Speaker 2>have it and that's the one you use for all

824
00:44:21.840 --> 00:44:25.280
<v Speaker 2>your financial transactions. It's not tied to anything you have.

825
00:44:25.719 --> 00:44:29.880
<v Speaker 2>The user name is not your name. I like I

826
00:44:30.079 --> 00:44:33.400
<v Speaker 2>actually like it. But I'm wondering, is it too late

827
00:44:33.840 --> 00:44:38.199
<v Speaker 2>if I wanted to retrofit my accounts with one of

828
00:44:38.239 --> 00:44:40.320
<v Speaker 2>these let's say, blind zhones.

829
00:44:40.519 --> 00:44:44.039
<v Speaker 12>And here's why. Here's why, because if you go into

830
00:44:44.039 --> 00:44:46.760
<v Speaker 12>any money of your financial accounts, they ask you under

831
00:44:46.800 --> 00:44:50.239
<v Speaker 12>your profile what your phone number is and what your

832
00:44:50.280 --> 00:44:53.000
<v Speaker 12>email is, and you just edit it and delete the other.

833
00:44:53.119 --> 00:44:55.199
<v Speaker 12>That's all you do, and they don't have it.

834
00:44:55.519 --> 00:44:57.239
<v Speaker 2>Wait, well, let's put it this way, Larry, I'm going

835
00:44:57.320 --> 00:44:59.760
<v Speaker 2>to give you a for effort and a for for

836
00:44:59.760 --> 00:45:02.800
<v Speaker 2>for creativity. I don't think it's terrible. I want to

837
00:45:03.000 --> 00:45:04.639
<v Speaker 2>I want to noodle on it for a while.

838
00:45:04.719 --> 00:45:06.920
<v Speaker 6>And did Larry say his email is blueface?

839
00:45:08.360 --> 00:45:12.719
<v Speaker 2>Now that's why I was just teasing. Yeah, Okay, anyway, it's.

840
00:45:12.559 --> 00:45:15.400
<v Speaker 12>Actually it's actually something that no no scammer would say.

841
00:45:15.559 --> 00:45:16.559
<v Speaker 12>I'm not bothering with this.

842
00:45:17.679 --> 00:45:19.559
<v Speaker 2>Listen, what business are you and Larry?

843
00:45:20.880 --> 00:45:23.519
<v Speaker 12>You know, I'd rather not say, Tom, I'm just.

844
00:45:23.519 --> 00:45:27.480
<v Speaker 2>Curious because of your I don't know, I like it.

845
00:45:27.880 --> 00:45:30.679
<v Speaker 12>Let's just say that we we we had a high

846
00:45:30.760 --> 00:45:34.320
<v Speaker 12>propensity for uh scamming and everything in my business.

847
00:45:34.519 --> 00:45:35.719
<v Speaker 2>Okay, man, okay, have we.

848
00:45:35.719 --> 00:45:39.199
<v Speaker 12>Employees and employees you know, employees you know they think

849
00:45:39.199 --> 00:45:40.639
<v Speaker 12>they're doing the right thing. So you got to kind

850
00:45:40.639 --> 00:45:42.239
<v Speaker 12>of build this around.

851
00:45:41.960 --> 00:45:44.199
<v Speaker 2>Him, all right. Anyway, we got more coming up on

852
00:45:44.320 --> 00:45:54.800
<v Speaker 2>Tom Martino. Hi, Tom Martino here three h three seven

853
00:45:54.880 --> 00:45:56.760
<v Speaker 2>one three talks seven one three eight two five by

854
00:45:56.800 --> 00:46:04.880
<v Speaker 2>John Fuller, our personal injury expert. Let's talk John. Hey,

855
00:46:05.320 --> 00:46:10.400
<v Speaker 2>we have a caller and it's not really a person injury.

856
00:46:10.440 --> 00:46:13.440
<v Speaker 2>But you know about liability, you know about negligence. That's

857
00:46:13.480 --> 00:46:17.800
<v Speaker 2>your whole world. So he wanted to know his his

858
00:46:17.880 --> 00:46:22.199
<v Speaker 2>truck is in the parking lot and it's destroyed when

859
00:46:22.239 --> 00:46:25.840
<v Speaker 2>a tree falls on it. Now, he said later earlier

860
00:46:25.880 --> 00:46:28.519
<v Speaker 2>in the fall, they were working on it a tree

861
00:46:28.559 --> 00:46:31.519
<v Speaker 2>service and that's good. You know, they maintained it, took

862
00:46:31.559 --> 00:46:34.559
<v Speaker 2>off some branches. Then he said, there was a heavy

863
00:46:34.599 --> 00:46:38.280
<v Speaker 2>snowstorm and under the weight of the snow, a big

864
00:46:38.400 --> 00:46:41.639
<v Speaker 2>giant branch fell and crust his car. And the apartment

865
00:46:41.639 --> 00:46:46.239
<v Speaker 2>complex says, we didn't do it, and it's on their property.

866
00:46:46.679 --> 00:46:50.119
<v Speaker 2>So what's the story, John, We hear this all the time.

867
00:46:50.679 --> 00:46:54.840
<v Speaker 2>Occurrences don't equal negligence all the time.

868
00:46:55.000 --> 00:46:59.400
<v Speaker 11>Right, You're exactly right, Town, That is a there's a

869
00:46:59.440 --> 00:47:03.320
<v Speaker 11>great rule to live by. There. The bottom line when

870
00:47:03.360 --> 00:47:08.199
<v Speaker 11>it comes to trees and stuff's absence some negligence on

871
00:47:08.400 --> 00:47:12.719
<v Speaker 11>the part of the owner of that tree. For the

872
00:47:12.719 --> 00:47:16.880
<v Speaker 11>most part, when it falls, you you know, you're on

873
00:47:16.920 --> 00:47:20.559
<v Speaker 11>your own. There's no liability on that landowner. Now, what

874
00:47:20.679 --> 00:47:24.559
<v Speaker 11>could constitute negligens Well, let's just say this would be

875
00:47:24.639 --> 00:47:27.199
<v Speaker 11>an obvious case. What if they went out and they

876
00:47:27.280 --> 00:47:29.760
<v Speaker 11>saw it about eight tenths of the way through the

877
00:47:30.360 --> 00:47:32.800
<v Speaker 11>tree and then left it there, Well, that would clearly

878
00:47:32.840 --> 00:47:36.239
<v Speaker 11>be negligence that would contribute to the falling of the tree.

879
00:47:36.760 --> 00:47:39.639
<v Speaker 11>But under the facts that you set out, if they're

880
00:47:39.760 --> 00:47:42.840
<v Speaker 11>maintaining these trees and then we just happened to get

881
00:47:42.840 --> 00:47:46.119
<v Speaker 11>a big snowstorm and the weight caused the tree to fall,

882
00:47:46.440 --> 00:47:49.159
<v Speaker 11>well that really is an act of God, and it's

883
00:47:49.320 --> 00:47:54.719
<v Speaker 11>not going to be imputable to the landowner in most circumstances.

884
00:47:55.079 --> 00:47:57.159
<v Speaker 2>So when I told him that, and again, you know,

885
00:47:57.199 --> 00:47:59.719
<v Speaker 2>he's reasonable because he's not arguing with me. But Dennis,

886
00:48:00.599 --> 00:48:04.480
<v Speaker 2>Dennis said, Okay, Tom, what about if I slip and fall.

887
00:48:04.559 --> 00:48:07.000
<v Speaker 2>That's obviously something they take care of, So why wouldn't

888
00:48:07.000 --> 00:48:09.239
<v Speaker 2>they take care of my car? And again, well, I

889
00:48:09.280 --> 00:48:11.039
<v Speaker 2>think right there.

890
00:48:11.000 --> 00:48:14.480
<v Speaker 11>Here, well, no, that's a good comeback. But let me

891
00:48:14.519 --> 00:48:19.280
<v Speaker 11>explain why he's wrong. The situation with the Premisist Liability

892
00:48:19.320 --> 00:48:21.960
<v Speaker 11>Act is and we actually have a statute that imposes

893
00:48:22.280 --> 00:48:25.599
<v Speaker 11>a duty on the landlord to maintain their property in

894
00:48:25.639 --> 00:48:28.840
<v Speaker 11>a way such that that accidents don't happen. And when

895
00:48:28.880 --> 00:48:32.639
<v Speaker 11>accidents do happen, we we look at what the landowner

896
00:48:32.719 --> 00:48:35.199
<v Speaker 11>did and we decide whether or not it fits under

897
00:48:35.199 --> 00:48:39.840
<v Speaker 11>that statue. In the tree situation, we we don't have

898
00:48:39.920 --> 00:48:43.800
<v Speaker 11>an analogous statute that defines the landowner's duty. We fall

899
00:48:43.840 --> 00:48:48.079
<v Speaker 11>back on general negligence principles, and the overriding principle is

900
00:48:48.079 --> 00:48:52.039
<v Speaker 11>that if you're not negligent, you're not liable. Okay, that's

901
00:48:52.079 --> 00:48:55.039
<v Speaker 11>the main difference. You can be you know you can.

902
00:48:55.119 --> 00:48:59.320
<v Speaker 11>You can have liability under that statutory rubric of the

903
00:48:59.360 --> 00:49:03.400
<v Speaker 11>Premisist Life Ability Act if it falls under the statue.

904
00:49:03.880 --> 00:49:07.880
<v Speaker 11>But negligence when with respect to that tree is a

905
00:49:07.880 --> 00:49:09.239
<v Speaker 11>whole different ball of wax.

906
00:49:09.880 --> 00:49:12.760
<v Speaker 2>I got it, I got it, John. Thank you. If

907
00:49:12.800 --> 00:49:15.760
<v Speaker 2>you ever need John, He'll answer your questions. Three oh

908
00:49:15.800 --> 00:49:20.400
<v Speaker 2>three five nine seven four five zero zero five nine

909
00:49:20.480 --> 00:49:25.719
<v Speaker 2>seven forty five hundred. His website is call Fuller dot com. Now, Bill,

910
00:49:27.280 --> 00:49:28.719
<v Speaker 2>what was your comment? For Dennis.

911
00:49:29.880 --> 00:49:32.000
<v Speaker 22>Hey, what I had to do was I had the

912
00:49:32.039 --> 00:49:34.920
<v Speaker 22>same problem with the tree. My name was tree fell

913
00:49:34.920 --> 00:49:37.239
<v Speaker 22>in my yard and had I had to cut the

914
00:49:37.559 --> 00:49:39.559
<v Speaker 22>I had to spend five hundred bucks to get it out.

915
00:49:39.960 --> 00:49:42.639
<v Speaker 22>But anyway, so we were worried about the rest of

916
00:49:42.639 --> 00:49:44.880
<v Speaker 22>the tree falling down and hitting the house.

917
00:49:45.519 --> 00:49:45.719
<v Speaker 2>Yeah.

918
00:49:45.800 --> 00:49:49.920
<v Speaker 22>So the tree guy said, call the city forestry or

919
00:49:49.920 --> 00:49:53.159
<v Speaker 22>whatever it's called and have them take a look at it,

920
00:49:54.199 --> 00:49:56.599
<v Speaker 22>and they did. City came out and they condemned it

921
00:49:56.639 --> 00:49:58.000
<v Speaker 22>and they had to cut the tree down.

922
00:49:58.719 --> 00:50:01.440
<v Speaker 2>Okay, Well that's good to event future. Thank you, Bill.

923
00:50:01.639 --> 00:50:08.639
<v Speaker 2>We got more coming up on the Troubleshooter Show. Hi,

924
00:50:09.079 --> 00:50:13.920
<v Speaker 2>Tom Martino your Troubleshooter three all three seven one three

925
00:50:14.000 --> 00:50:17.840
<v Speaker 2>talk three all three seven one three eight two five five. Troy,

926
00:50:17.880 --> 00:50:20.639
<v Speaker 2>real quick, you have a comment on security, I think

927
00:50:20.719 --> 00:50:23.639
<v Speaker 2>because we were talking about security for financial stuff and

928
00:50:23.679 --> 00:50:26.960
<v Speaker 2>bank accounts. Is that what you talk about, Troy?

929
00:50:27.119 --> 00:50:30.599
<v Speaker 19>Yeah, and the guy talking about the track phone, Yeah,

930
00:50:30.639 --> 00:50:33.960
<v Speaker 19>it was. It's not a bad idea. Uh So what

931
00:50:34.079 --> 00:50:37.519
<v Speaker 19>you're talking about is two factor authentication and you're using

932
00:50:37.559 --> 00:50:40.039
<v Speaker 19>your phone as your second factor something you have.

933
00:50:40.519 --> 00:50:43.039
<v Speaker 2>Yeah, that's one of the reasons. That's one of the reasons.

934
00:50:43.079 --> 00:50:48.639
<v Speaker 19>Yes, yeah, yeah, so separating uh you know that method

935
00:50:48.679 --> 00:50:53.360
<v Speaker 19>of authentication away from your everyday, every use phone and

936
00:50:53.400 --> 00:50:59.039
<v Speaker 19>setting up a second email address and only using it,

937
00:50:59.320 --> 00:51:02.039
<v Speaker 19>you know, through a completely separate device is a really

938
00:51:02.119 --> 00:51:05.280
<v Speaker 19>good idea. I'm not sure if I agree with his

939
00:51:05.400 --> 00:51:09.960
<v Speaker 19>idea of opening up a Yahoo account. There's another web

940
00:51:10.039 --> 00:51:16.000
<v Speaker 19>service or email service called Proton pro pln.

941
00:51:16.400 --> 00:51:18.079
<v Speaker 2>And what's good about Proton.

942
00:51:19.320 --> 00:51:23.320
<v Speaker 19>It's in it's hosted out of Switzerland, so the Swiss

943
00:51:23.400 --> 00:51:31.119
<v Speaker 19>laws on privacy are insane. So somebody getting access to

944
00:51:31.320 --> 00:51:35.440
<v Speaker 19>that system, they would really have to be wanting to

945
00:51:35.480 --> 00:51:36.079
<v Speaker 19>go after you.

946
00:51:38.039 --> 00:51:43.639
<v Speaker 2>Well do you really think that it's well do you

947
00:51:43.760 --> 00:51:46.480
<v Speaker 2>think that Google? I mean really, Gmail was just an

948
00:51:46.480 --> 00:51:47.920
<v Speaker 2>anonymous name. What's wrong with that?

949
00:51:50.039 --> 00:51:54.559
<v Speaker 19>So somebody told me a long time ago, if you

950
00:51:54.599 --> 00:51:59.079
<v Speaker 19>don't know what they're selling, it is you. So everything

951
00:51:59.119 --> 00:52:05.199
<v Speaker 19>about Google and Gmail I love that old harvesting data.

952
00:52:05.400 --> 00:52:11.800
<v Speaker 19>So there is nothing anonymous about Gmail or Google. So yeah,

953
00:52:11.880 --> 00:52:20.360
<v Speaker 19>I'm a cybersecurity profession and yeah, so I'm also not

954
00:52:20.400 --> 00:52:25.239
<v Speaker 19>afraid of the last pass. It's a very good password

955
00:52:25.320 --> 00:52:31.519
<v Speaker 19>manager because everything is encrypted on their site.

956
00:52:33.519 --> 00:52:35.800
<v Speaker 2>WHOA, Okay, where are they out of.

957
00:52:37.719 --> 00:52:38.400
<v Speaker 23>Uh?

958
00:52:39.280 --> 00:52:42.880
<v Speaker 19>I'm not sure where they're actually it's all hosted, you know, online,

959
00:52:44.719 --> 00:52:47.559
<v Speaker 19>So I use last Paths for everything because it generates

960
00:52:47.719 --> 00:52:53.199
<v Speaker 19>a random password, just a scramble of numbers and characters,

961
00:52:53.599 --> 00:52:56.400
<v Speaker 19>and you can adjust the size of the password to

962
00:52:56.480 --> 00:53:00.840
<v Speaker 19>meet whatever the requirement is for the westside that you're visiting,

963
00:53:01.519 --> 00:53:05.800
<v Speaker 19>and then it auto populates the use the name of password.

964
00:53:08.280 --> 00:53:14.960
<v Speaker 2>H Well, that's we talk about. Thank you. I appreciate it. Okay, Troy.

965
00:53:15.639 --> 00:53:18.480
<v Speaker 2>Feel free to call in when we're talking about these issues. Becky,

966
00:53:18.559 --> 00:53:20.119
<v Speaker 2>what's going on? Hi? Becky?

967
00:53:20.840 --> 00:53:22.800
<v Speaker 22>Well, hello there, what's happening?

968
00:53:25.719 --> 00:53:32.760
<v Speaker 10>What's happening? I? I am absolutely at wits end with

969
00:53:33.199 --> 00:53:37.840
<v Speaker 10>century Link because of late fees upon late fees that

970
00:53:38.119 --> 00:53:41.039
<v Speaker 10>they have assessed me. For the last four months, including

971
00:53:41.079 --> 00:53:44.639
<v Speaker 10>this month of November. I have been in touch with

972
00:53:44.679 --> 00:53:47.760
<v Speaker 10>them twice, once in July, once in October because we

973
00:53:47.840 --> 00:53:53.280
<v Speaker 10>had a medical situation, in an emergency medical situation that

974
00:53:53.480 --> 00:53:55.800
<v Speaker 10>ended up in the death of that family member and

975
00:53:55.840 --> 00:53:59.440
<v Speaker 10>then being older she was in the senior community, we

976
00:53:59.519 --> 00:54:00.599
<v Speaker 10>had this have to.

977
00:54:00.519 --> 00:54:02.280
<v Speaker 2>Do now with century Link? What's going on?

978
00:54:02.320 --> 00:54:04.320
<v Speaker 10>What does it have to do with century Link? Is

979
00:54:04.360 --> 00:54:06.239
<v Speaker 10>that I called them up and I said, these are

980
00:54:06.239 --> 00:54:10.039
<v Speaker 10>my extenuating circumstances, and that's why my bill was laid

981
00:54:10.119 --> 00:54:13.000
<v Speaker 10>so that I said that at the beginning. Yeah, my

982
00:54:13.039 --> 00:54:14.400
<v Speaker 10>bill was late in paying it.

983
00:54:14.880 --> 00:54:17.119
<v Speaker 2>So how do you normally pay your bill? Becky?

984
00:54:17.519 --> 00:54:18.079
<v Speaker 10>Excuse me?

985
00:54:18.360 --> 00:54:19.679
<v Speaker 2>How do you normally pay it?

986
00:54:20.440 --> 00:54:25.039
<v Speaker 10>Check the old fashion way? They don't do auto pay,

987
00:54:25.079 --> 00:54:26.760
<v Speaker 10>they have offered it to me. I just don't do

988
00:54:27.519 --> 00:54:30.400
<v Speaker 10>auto pay. I like to see a.

989
00:54:30.400 --> 00:54:33.000
<v Speaker 2>Lot of are people. A lot of people agree with

990
00:54:33.039 --> 00:54:35.760
<v Speaker 2>you on that. I don't. I do auto pays. If

991
00:54:35.800 --> 00:54:38.400
<v Speaker 2>I initiate them and can stop them, I do it.

992
00:54:38.639 --> 00:54:41.199
<v Speaker 2>So let's just talk about this though. What did they

993
00:54:41.239 --> 00:54:41.920
<v Speaker 2>say about it?

994
00:54:43.679 --> 00:54:47.559
<v Speaker 10>In essence, what they said is there are no adjustments

995
00:54:47.599 --> 00:54:50.719
<v Speaker 10>and no consideration for extenuating circumstances.

996
00:54:51.280 --> 00:54:52.920
<v Speaker 8>Because how does it affect you?

997
00:54:53.679 --> 00:54:56.360
<v Speaker 10>How does it affect me? Well, I get sixteen bucks.

998
00:54:56.360 --> 00:54:59.719
<v Speaker 10>I have two lines, so every month it's sixteen dollars

999
00:54:59.760 --> 00:55:03.480
<v Speaker 10>per a line as a late scene and that has

1000
00:55:03.599 --> 00:55:04.679
<v Speaker 10>a sixteen.

1001
00:55:06.440 --> 00:55:08.719
<v Speaker 22>How late was it the first time?

1002
00:55:08.760 --> 00:55:12.000
<v Speaker 10>I think it was too late? Two days? And then

1003
00:55:12.199 --> 00:55:15.360
<v Speaker 10>thereafter I think what is happening is because I won't

1004
00:55:15.440 --> 00:55:17.840
<v Speaker 10>pay the full amount I paid just the basic service

1005
00:55:17.880 --> 00:55:18.719
<v Speaker 10>with the Now.

1006
00:55:18.639 --> 00:55:19.920
<v Speaker 2>You're late every single month.

1007
00:55:20.079 --> 00:55:21.239
<v Speaker 10>Now I'm late every single month.

1008
00:55:21.320 --> 00:55:23.639
<v Speaker 2>How much is it total?

1009
00:55:23.760 --> 00:55:23.880
<v Speaker 12>Right?

1010
00:55:23.880 --> 00:55:23.960
<v Speaker 3>Now?

1011
00:55:24.039 --> 00:55:25.360
<v Speaker 10>Have one hundred and twenty eight dollars?

1012
00:55:25.519 --> 00:55:27.760
<v Speaker 2>Yeah, see, you're not going to win this one. You

1013
00:55:27.800 --> 00:55:30.960
<v Speaker 2>know what you can? Well, you know, here's the deal.

1014
00:55:31.599 --> 00:55:35.280
<v Speaker 2>I think you should have paid then protested, because letting

1015
00:55:35.320 --> 00:55:39.360
<v Speaker 2>it go partial, it's like a mortgage that's partial. They'll

1016
00:55:39.440 --> 00:55:43.039
<v Speaker 2>keep marking you late and you don't win it that way.

1017
00:55:43.679 --> 00:55:48.039
<v Speaker 2>If you did it one time, that's different. And then

1018
00:55:48.079 --> 00:55:49.960
<v Speaker 2>you go and say I shouldn't have been charged a

1019
00:55:50.039 --> 00:55:53.320
<v Speaker 2>late charge. Now when did you first talk to them

1020
00:55:53.320 --> 00:55:55.679
<v Speaker 2>about extenuating circumstances?

1021
00:55:55.760 --> 00:55:58.880
<v Speaker 10>July fifth? And the way that that was it?

1022
00:55:58.960 --> 00:56:01.960
<v Speaker 2>The first was it after the first late payment?

1023
00:56:03.800 --> 00:56:06.079
<v Speaker 10>I think it was. Let me look at my notes.

1024
00:56:07.519 --> 00:56:12.360
<v Speaker 2>Yeah, that's what I'm wondering because it's kind of uh man,

1025
00:56:13.960 --> 00:56:23.199
<v Speaker 2>I just don't think it's gonna work. So you can

1026
00:56:23.280 --> 00:56:24.320
<v Speaker 2>What do you use them for?

1027
00:56:28.280 --> 00:56:29.519
<v Speaker 10>I'm sorry, mister what you said?

1028
00:56:29.760 --> 00:56:32.159
<v Speaker 2>What do you use them for? Regular phone service? Or what?

1029
00:56:33.079 --> 00:56:35.480
<v Speaker 10>We have two lines? It is regular phone services. That's

1030
00:56:35.519 --> 00:56:37.480
<v Speaker 10>all we do. We don't do any bundle and we'll

1031
00:56:37.480 --> 00:56:40.119
<v Speaker 10>live out here in the country and so century Link

1032
00:56:40.280 --> 00:56:41.320
<v Speaker 10>is our only choice.

1033
00:56:41.840 --> 00:56:44.679
<v Speaker 2>Hold on, so you live out in the country and

1034
00:56:44.880 --> 00:56:48.320
<v Speaker 2>you don't do online payments and you have landlines, two

1035
00:56:48.320 --> 00:56:51.880
<v Speaker 2>of them. Yes, oh do you still milk your cow?

1036
00:56:53.760 --> 00:56:56.119
<v Speaker 10>Well I'm not here, but yes.

1037
00:56:56.360 --> 00:57:01.920
<v Speaker 2>Oh Becky, Okay, listen, there's one other thing you could do. Now.

1038
00:57:02.400 --> 00:57:04.840
<v Speaker 2>You know, centry Link is not the only service available

1039
00:57:04.880 --> 00:57:05.519
<v Speaker 2>for phones.

1040
00:57:06.039 --> 00:57:08.119
<v Speaker 10>You could breaking up.

1041
00:57:08.199 --> 00:57:11.239
<v Speaker 2>Okay, I said, centry Link. See that's your phone line.

1042
00:57:11.880 --> 00:57:15.320
<v Speaker 2>Centry Link is not the only option you have for

1043
00:57:15.440 --> 00:57:20.280
<v Speaker 2>phone os. You may want to threaten to leave to

1044
00:57:20.320 --> 00:57:22.880
<v Speaker 2>see what they say. Say, Look, how long have you

1045
00:57:22.920 --> 00:57:23.760
<v Speaker 2>been a customer?

1046
00:57:24.880 --> 00:57:27.159
<v Speaker 10>Well, we've been out here almost thirty years.

1047
00:57:27.639 --> 00:57:30.920
<v Speaker 2>Come on, and they won't waive a damn late fee.

1048
00:57:31.440 --> 00:57:34.920
<v Speaker 2>Come on, you've been paying since that late fee. You

1049
00:57:34.960 --> 00:57:37.480
<v Speaker 2>know what, Deputy d I want you to use your

1050
00:57:37.519 --> 00:57:40.920
<v Speaker 2>negotiating skills, and I want you to this is a

1051
00:57:40.960 --> 00:57:44.320
<v Speaker 2>thirty year customer. They ought to be begging people. You know,

1052
00:57:44.400 --> 00:57:47.719
<v Speaker 2>they don't have any landline anymore, any landline customers except

1053
00:57:47.719 --> 00:57:50.559
<v Speaker 2>for Becky and her husband. I think, well there might

1054
00:57:50.599 --> 00:57:51.400
<v Speaker 2>be a couple more.

1055
00:57:51.440 --> 00:57:53.840
<v Speaker 10>But right my neighbor the street.

1056
00:57:53.760 --> 00:57:54.840
<v Speaker 2>Maybe, Deputy Doc.

1057
00:57:54.920 --> 00:57:58.679
<v Speaker 14>I was sure, are we that this isn't entirely Becky's fault?

1058
00:57:58.840 --> 00:57:59.679
<v Speaker 24>I mean she was.

1059
00:58:01.519 --> 00:58:04.400
<v Speaker 14>I don't doubt it was her fault.

1060
00:58:04.599 --> 00:58:08.119
<v Speaker 2>I don't doubt it was her fault. She was late, yeah, okay,

1061
00:58:08.400 --> 00:58:11.280
<v Speaker 2>and she thought, hey, give me a break, I'm late.

1062
00:58:12.519 --> 00:58:16.320
<v Speaker 2>Didn't so she just kept paying her bill like normal.

1063
00:58:16.960 --> 00:58:20.679
<v Speaker 2>Technically she was really only late ones I mean technically

1064
00:58:20.719 --> 00:58:23.519
<v Speaker 2>because she kept paying her normal bill on time, and

1065
00:58:23.559 --> 00:58:27.199
<v Speaker 2>but they kept, of course rightly so seeing it was

1066
00:58:27.239 --> 00:58:30.519
<v Speaker 2>a deficit, therefore late again, late again, late again, late

1067
00:58:30.559 --> 00:58:33.519
<v Speaker 2>on late, late on late. So I'm not even sure

1068
00:58:33.599 --> 00:58:35.639
<v Speaker 2>that's entirely legal, to be honest with you, because that's

1069
00:58:35.639 --> 00:58:39.519
<v Speaker 2>compounding without I mean, late on late is different than

1070
00:58:39.599 --> 00:58:42.199
<v Speaker 2>if she didn't pay. I mean, I would just say,

1071
00:58:42.719 --> 00:58:44.400
<v Speaker 2>but if you don't feel strongly about I don't want

1072
00:58:44.400 --> 00:58:45.000
<v Speaker 2>you calling.

1073
00:58:46.679 --> 00:58:47.960
<v Speaker 24>In seeing what they would say.

1074
00:58:48.280 --> 00:58:52.239
<v Speaker 2>I'm not even insinuating as her it's their fault at all.

1075
00:58:52.880 --> 00:58:56.239
<v Speaker 2>They're doing every yeah, saying a thirty year customer with

1076
00:58:56.320 --> 00:58:59.880
<v Speaker 2>a landline, But it could go both ways. They don't

1077
00:58:59.880 --> 00:59:02.360
<v Speaker 2>have many landline customers, and they don't care.

1078
00:59:02.400 --> 00:59:03.880
<v Speaker 24>I don't think they might want to get rid of

1079
00:59:03.880 --> 00:59:04.920
<v Speaker 24>her any exactly.

1080
00:59:05.079 --> 00:59:07.760
<v Speaker 2>I don't know if they care about landline customers. What

1081
00:59:07.800 --> 00:59:09.000
<v Speaker 2>do you pay for your lines?

1082
00:59:09.039 --> 00:59:13.480
<v Speaker 10>I'm just curious approximately now about one hundred and thirty

1083
00:59:13.519 --> 00:59:18.760
<v Speaker 10>four months for two lines on two lines, and it's

1084
00:59:18.800 --> 00:59:19.840
<v Speaker 10>gone up incrementally.

1085
00:59:20.199 --> 00:59:22.920
<v Speaker 24>Phone coverage, do you have cell phone?

1086
00:59:22.960 --> 00:59:26.519
<v Speaker 10>Self phone coverage? And now, thankfully because of Elon Musk,

1087
00:59:26.760 --> 00:59:31.119
<v Speaker 10>we have unlimited internet which we didn't used to have

1088
00:59:31.440 --> 00:59:33.760
<v Speaker 10>until about fourteen months ago.

1089
00:59:34.239 --> 00:59:36.159
<v Speaker 2>How is that starlink service?

1090
00:59:36.679 --> 00:59:40.119
<v Speaker 10>It works pretty well? Overall, it works pretty well.

1091
00:59:40.400 --> 00:59:41.079
<v Speaker 2>What were you doing?

1092
00:59:41.239 --> 00:59:44.800
<v Speaker 10>We live in the valley and so sometimes we have

1093
00:59:44.960 --> 00:59:48.280
<v Speaker 10>the intermittent signal that doesn't come through. That's why we

1094
00:59:48.280 --> 00:59:50.599
<v Speaker 10>need it for that. I'm willing to give up one

1095
00:59:50.679 --> 00:59:53.880
<v Speaker 10>land line what we're doing the other we need. We

1096
00:59:53.960 --> 00:59:55.880
<v Speaker 10>just need one reliable line.

1097
00:59:56.440 --> 00:59:58.880
<v Speaker 2>Why. I'm just curious. I mean, I'm not trying to

1098
00:59:58.920 --> 00:59:59.559
<v Speaker 2>talk you out of it.

1099
00:59:59.599 --> 01:00:02.559
<v Speaker 10>Why no, No, that's fine because my husband going to have

1100
01:00:02.679 --> 01:00:06.480
<v Speaker 10>this conversation more than once. Why do we need the

1101
01:00:06.599 --> 01:00:09.119
<v Speaker 10>landline just as a backup to our cell phones? We're

1102
01:00:09.159 --> 01:00:14.440
<v Speaker 10>not That's probably how we think. Maybe we need an

1103
01:00:15.000 --> 01:00:19.199
<v Speaker 10>update on how we look at technology and these kinds

1104
01:00:19.199 --> 01:00:19.880
<v Speaker 10>of services.

1105
01:00:19.920 --> 01:00:21.920
<v Speaker 2>I don't know how old are you? How your mind?

1106
01:00:21.920 --> 01:00:25.199
<v Speaker 10>If I asked, how are you sixty nine and a half?

1107
01:00:26.280 --> 01:00:31.760
<v Speaker 2>Oh, come on a landline? You don't need it. I

1108
01:00:31.800 --> 01:00:35.199
<v Speaker 2>mean you can, I'll tell you. I mean that's up

1109
01:00:35.199 --> 01:00:38.079
<v Speaker 2>to you obviously, but anyway, I think you're wasting money.

1110
01:00:38.559 --> 01:00:41.000
<v Speaker 2>Three oh three seven one three eight two five five. Listen,

1111
01:00:41.119 --> 01:00:43.239
<v Speaker 2>we're gonna have Deputy d assign this year. He's going

1112
01:00:43.320 --> 01:00:45.039
<v Speaker 2>to give it a try, see if he can call

1113
01:00:45.119 --> 01:00:48.119
<v Speaker 2>him and I don't know, let's just do it. I'm

1114
01:00:48.159 --> 01:00:56.320
<v Speaker 2>Tom Martino, more up on the Troubleshooter Show. Hi, Tom

1115
01:00:56.360 --> 01:01:00.079
<v Speaker 2>Martino your troubleshooter three O three seven one three T

1116
01:01:01.119 --> 01:01:03.639
<v Speaker 2>seven one three eight two five five. Bob Logan is

1117
01:01:03.679 --> 01:01:06.079
<v Speaker 2>with us from plumb Line Services. I do have some

1118
01:01:06.159 --> 01:01:08.920
<v Speaker 2>texts I'll get you. But Gail has a question or

1119
01:01:08.960 --> 01:01:11.440
<v Speaker 2>has an issue. Hey Gail, what's going on with you?

1120
01:01:14.239 --> 01:01:15.480
<v Speaker 25>File time?

1121
01:01:17.639 --> 01:01:17.760
<v Speaker 23>Hi?

1122
01:01:18.559 --> 01:01:22.320
<v Speaker 25>So I had a problem with my vehicle, my car. Yes,

1123
01:01:22.880 --> 01:01:26.880
<v Speaker 25>the engine light was on, Yes, And I took it

1124
01:01:27.039 --> 01:01:32.840
<v Speaker 25>into Christian Dollars Motors and for diagnosis and I paid

1125
01:01:32.840 --> 01:01:35.199
<v Speaker 25>one hundred and forty nine dollars and then there's.

1126
01:01:35.039 --> 01:01:38.079
<v Speaker 2>This bottle hold on, is this someone in Parker.

1127
01:01:39.599 --> 01:01:43.280
<v Speaker 25>No, it's in North Glenn, Okay.

1128
01:01:44.639 --> 01:01:45.480
<v Speaker 2>And what happened?

1129
01:01:45.599 --> 01:01:46.840
<v Speaker 10>Yeah?

1130
01:01:46.039 --> 01:01:50.119
<v Speaker 25>And then they said that whatever was wrong with my car,

1131
01:01:50.199 --> 01:01:52.679
<v Speaker 25>it would be eight hundred dollars eight hundred to one

1132
01:01:52.719 --> 01:01:55.800
<v Speaker 25>thousand dollars to fix it. So I said, we'll fix it.

1133
01:01:56.400 --> 01:01:57.920
<v Speaker 25>I paid the eight hundred dollars.

1134
01:01:58.400 --> 01:02:00.440
<v Speaker 2>I grow, you didn't ask when I was wrong with it?

1135
01:02:02.199 --> 01:02:04.000
<v Speaker 25>Well, I know it was wrong. It was something with

1136
01:02:04.119 --> 01:02:07.639
<v Speaker 25>the gasket or something. I don't know. So I don't

1137
01:02:07.679 --> 01:02:12.079
<v Speaker 25>know cars, so I trust people that do know cars.

1138
01:02:13.079 --> 01:02:16.119
<v Speaker 25>So they fixed it. They said, yeah, that everything's fixed.

1139
01:02:16.199 --> 01:02:19.320
<v Speaker 25>The next day I drove out. I was driving home

1140
01:02:19.360 --> 01:02:22.800
<v Speaker 25>from work the engine light came on. It was a Friday.

1141
01:02:23.039 --> 01:02:26.039
<v Speaker 25>They're not open on the weekend, so I took it in.

1142
01:02:26.679 --> 01:02:30.320
<v Speaker 25>When I could make an available appointment, I took it

1143
01:02:30.400 --> 01:02:34.559
<v Speaker 25>back in. They had it for the day. They looked

1144
01:02:34.559 --> 01:02:37.519
<v Speaker 25>at they charged. They wanted to charge me again for

1145
01:02:37.599 --> 01:02:41.639
<v Speaker 25>another diagnostics, even though that's the original reason I brought

1146
01:02:41.639 --> 01:02:45.599
<v Speaker 25>it in. And then they said, well, your engine is dead,

1147
01:02:46.079 --> 01:02:49.119
<v Speaker 25>like you need a brand new engine and it'll cover.

1148
01:02:50.400 --> 01:02:55.039
<v Speaker 2>Tell me about your car, Okay, what is it?

1149
01:02:55.039 --> 01:02:59.679
<v Speaker 25>It was a twenty seventeen. It was a two thousand

1150
01:02:59.679 --> 01:03:03.719
<v Speaker 25>and seven team. I don't own it anymore, twenty seventeen

1151
01:03:03.760 --> 01:03:05.960
<v Speaker 25>Lincoln MKC link.

1152
01:03:06.400 --> 01:03:08.320
<v Speaker 2>Well, how many miles on it?

1153
01:03:10.320 --> 01:03:11.320
<v Speaker 25>Sixty eight thousand?

1154
01:03:12.039 --> 01:03:14.719
<v Speaker 2>It was very unlikely. Why would your Why did they

1155
01:03:14.760 --> 01:03:16.239
<v Speaker 2>say your engine was gone?

1156
01:03:18.199 --> 01:03:21.280
<v Speaker 25>They said that there was a problem with the fluid

1157
01:03:21.559 --> 01:03:23.480
<v Speaker 25>into the engine coolant.

1158
01:03:25.360 --> 01:03:29.760
<v Speaker 2>Well, but okay, I mean this is weird.

1159
01:03:31.280 --> 01:03:32.079
<v Speaker 3>So how long?

1160
01:03:32.920 --> 01:03:35.719
<v Speaker 2>How long? I don't know if I entirely believe them.

1161
01:03:36.199 --> 01:03:38.679
<v Speaker 2>How why didn't they notice that the first time?

1162
01:03:39.800 --> 01:03:42.519
<v Speaker 25>That's exactly my question, Tom, I said.

1163
01:03:42.519 --> 01:03:45.000
<v Speaker 2>Okay, hold on, how did you pay? How did you

1164
01:03:45.039 --> 01:03:46.480
<v Speaker 2>pay that money the first time?

1165
01:03:48.199 --> 01:03:50.840
<v Speaker 25>I just I just put it on my credit card?

1166
01:03:51.039 --> 01:03:52.000
<v Speaker 25>Eight hundred dollars.

1167
01:03:52.239 --> 01:03:54.239
<v Speaker 2>Well, I would contell. How long ago is this?

1168
01:03:55.960 --> 01:03:57.440
<v Speaker 25>Oh, it's a couple of weeks ago.

1169
01:03:58.840 --> 01:04:02.320
<v Speaker 2>And you got rid of the car already?

1170
01:04:02.400 --> 01:04:04.480
<v Speaker 25>Yeah, because I don't want to buy the car. Would

1171
01:04:04.480 --> 01:04:06.960
<v Speaker 25>have been underwater, I still owed on my car and

1172
01:04:07.000 --> 01:04:08.760
<v Speaker 25>then to pay eleven thousand dollars.

1173
01:04:09.000 --> 01:04:10.760
<v Speaker 2>Wait wait wait wait wait wait wait wait wit car?

1174
01:04:10.840 --> 01:04:14.199
<v Speaker 2>Wait wait wait wait? If you were underwater? Okay, hold on,

1175
01:04:15.239 --> 01:04:17.760
<v Speaker 2>what did you do with the car?

1176
01:04:18.800 --> 01:04:22.760
<v Speaker 25>I took it back to I took it to Sotahar dealership?

1177
01:04:24.760 --> 01:04:27.039
<v Speaker 25>Did the car I'm not going to buy another car?

1178
01:04:27.480 --> 01:04:29.400
<v Speaker 2>Okay, what did they do? Did they give you any

1179
01:04:29.440 --> 01:04:31.000
<v Speaker 2>allowance on that car at all?

1180
01:04:31.440 --> 01:04:31.679
<v Speaker 7>Yeah?

1181
01:04:31.719 --> 01:04:34.880
<v Speaker 25>They gave me four thousand dollars.

1182
01:04:36.760 --> 01:04:39.000
<v Speaker 2>I doubt it, but you leased a car, so I mean,

1183
01:04:39.440 --> 01:04:41.920
<v Speaker 2>I don't you got I don't even want to account

1184
01:04:41.920 --> 01:04:45.360
<v Speaker 2>how many times you got screwed here, so don't. There's

1185
01:04:45.360 --> 01:04:46.960
<v Speaker 2>nothing we can do about it. Even if they did

1186
01:04:47.039 --> 01:04:50.719
<v Speaker 2>screw you, we can't prove it, can't prove it. You

1187
01:04:50.760 --> 01:04:53.519
<v Speaker 2>don't have anything. I mean, I'd go after him for

1188
01:04:53.519 --> 01:04:55.079
<v Speaker 2>the eight hundred, but you don't even have the car

1189
01:04:55.119 --> 01:04:57.639
<v Speaker 2>to prove it. We have nothing, We have no Gail.

1190
01:04:58.079 --> 01:05:02.760
<v Speaker 2>I'm with you, I'm on your side, and I look

1191
01:05:02.800 --> 01:05:05.360
<v Speaker 2>at All I can say is I don't believe the

1192
01:05:05.400 --> 01:05:07.719
<v Speaker 2>first time I have a gut feeling. We have more

1193
01:05:07.760 --> 01:05:09.320
<v Speaker 2>coming up on The Troubleshooter Show.

1194
01:05:10.920 --> 01:05:20.320
<v Speaker 1>Yeah, ripped up, bad news, You need advice? Who you

1195
01:05:20.440 --> 01:05:21.079
<v Speaker 1>don't have the.

1196
01:05:23.039 --> 01:05:26.519
<v Speaker 3>Come running just as fast as we can show.

1197
01:05:26.719 --> 01:05:31.119
<v Speaker 4>Shooter's gonna help. Come man, This is.

1198
01:05:31.079 --> 01:05:32.400
<v Speaker 5>The Troubleshooter Show.

1199
01:05:33.000 --> 01:05:37.679
<v Speaker 2>No Tom Martino, Hi, Tom Martino here, Welcome to the show.

1200
01:05:38.440 --> 01:05:41.239
<v Speaker 2>Three zero three seven one three talk three oh three

1201
01:05:41.400 --> 01:05:44.599
<v Speaker 2>seven one three eight two five five. What's going on

1202
01:05:44.639 --> 01:05:47.360
<v Speaker 2>in your life? How can we help you? All you

1203
01:05:47.400 --> 01:05:49.599
<v Speaker 2>have to do is call us. Gal's on the phone now.

1204
01:05:49.599 --> 01:05:51.800
<v Speaker 2>An issue with Christian brothers I don't like the I

1205
01:05:51.800 --> 01:05:55.599
<v Speaker 2>don't like what I'm hearing, but there's nothing we can do.

1206
01:05:56.639 --> 01:05:58.840
<v Speaker 2>Or she did call in and let me explain something

1207
01:05:58.880 --> 01:06:00.880
<v Speaker 2>to you, folks. If you I ever have questions on

1208
01:06:01.000 --> 01:06:04.360
<v Speaker 2>car repairs or the way you're dealt with, and you

1209
01:06:04.440 --> 01:06:07.119
<v Speaker 2>get rid of the car, we're done. There's nothing we

1210
01:06:07.159 --> 01:06:11.840
<v Speaker 2>can do. She brought a car in, They said she

1211
01:06:11.960 --> 01:06:14.320
<v Speaker 2>needed an eight hundred dollars repair. She did it now

1212
01:06:14.360 --> 01:06:16.719
<v Speaker 2>that then the light came back on. Then they said,

1213
01:06:16.800 --> 01:06:20.000
<v Speaker 2>well we need now you need a new engine. She

1214
01:06:20.039 --> 01:06:24.000
<v Speaker 2>had only sixty eight thousand miles on a twenty seventeen

1215
01:06:24.400 --> 01:06:28.000
<v Speaker 2>Lincoln MKC. I don't think she needed who knows for sure,

1216
01:06:28.039 --> 01:06:30.280
<v Speaker 2>but I don't think so. I mean, even if she

1217
01:06:30.840 --> 01:06:34.599
<v Speaker 2>needed some repairs in any case, So she traded the

1218
01:06:34.639 --> 01:06:37.960
<v Speaker 2>car and leased another one. So that's done. I just

1219
01:06:38.079 --> 01:06:43.639
<v Speaker 2>thought that it's too bad, so sad. But you can't

1220
01:06:43.679 --> 01:06:46.480
<v Speaker 2>go back after you get rid of the car itself.

1221
01:06:46.960 --> 01:06:50.320
<v Speaker 2>All right, So our guests say, Bob Logan plumb line services.

1222
01:06:52.679 --> 01:06:56.119
<v Speaker 2>You know, we talked about holidays in general and emergency

1223
01:06:56.159 --> 01:06:59.719
<v Speaker 2>calls and all that, and what's I think the number

1224
01:06:59.760 --> 01:07:05.800
<v Speaker 2>one problem in a drain, well, other than just a

1225
01:07:05.840 --> 01:07:08.000
<v Speaker 2>bad drain. I mean they're bad drains. They're old. You

1226
01:07:08.079 --> 01:07:11.239
<v Speaker 2>have an old house, right. Oh. One of the problems

1227
01:07:11.320 --> 01:07:13.119
<v Speaker 2>is grease, right, isn't that the main thing or not?

1228
01:07:13.320 --> 01:07:16.599
<v Speaker 2>Or is that just grease? What that?

1229
01:07:16.599 --> 01:07:19.800
<v Speaker 6>That is certainly a big problem in kitchen lines because

1230
01:07:19.800 --> 01:07:23.639
<v Speaker 6>people dump grease. They think if they run this grease.

1231
01:07:23.840 --> 01:07:26.039
<v Speaker 2>Well, does it eventually go down? I mean, what does

1232
01:07:26.079 --> 01:07:26.480
<v Speaker 2>grease do?

1233
01:07:26.639 --> 01:07:26.760
<v Speaker 12>Now?

1234
01:07:26.800 --> 01:07:27.199
<v Speaker 2>It doesn't.

1235
01:07:27.280 --> 01:07:30.960
<v Speaker 6>It starts to coagulate, and it'll harden almost like a

1236
01:07:30.960 --> 01:07:34.159
<v Speaker 6>almost to the point towards like concrete. So each time

1237
01:07:34.159 --> 01:07:37.760
<v Speaker 6>you dump grease in there, it'll it'll start restricting that

1238
01:07:37.880 --> 01:07:40.400
<v Speaker 6>line until gets smaller and smaller and smaller, until it

1239
01:07:40.400 --> 01:07:41.400
<v Speaker 6>eventually clogs.

1240
01:07:42.159 --> 01:07:43.000
<v Speaker 2>And I mean.

1241
01:07:42.880 --> 01:07:46.840
<v Speaker 6>There are you know, these are a lot of these

1242
01:07:46.840 --> 01:07:50.039
<v Speaker 6>over the counter treatments are not necessarily good for your drains,

1243
01:07:50.079 --> 01:07:53.960
<v Speaker 6>but there are products that you can use, a product

1244
01:07:54.000 --> 01:07:58.239
<v Speaker 6>called PT four bioclean bio one, there's some there's some

1245
01:07:58.440 --> 01:08:04.159
<v Speaker 6>organic products used without dumb chemicals down the line to

1246
01:08:04.239 --> 01:08:07.719
<v Speaker 6>help prevent that. But once that line gets clogged, you

1247
01:08:07.760 --> 01:08:10.599
<v Speaker 6>need to get it snaked out, and that's really the

1248
01:08:10.599 --> 01:08:11.639
<v Speaker 6>only way to get it cleaned.

1249
01:08:12.400 --> 01:08:13.000
<v Speaker 2>Now.

1250
01:08:13.119 --> 01:08:16.279
<v Speaker 6>Outside of that, I mean, if you're constantly having problems

1251
01:08:16.279 --> 01:08:21.640
<v Speaker 6>with your drain lines, whether it's kitchen, toilets, showers, again,

1252
01:08:21.720 --> 01:08:24.119
<v Speaker 6>it could be like hair and showers or something like that.

1253
01:08:24.199 --> 01:08:28.840
<v Speaker 6>But a properly functioning line should not clog. It really

1254
01:08:28.840 --> 01:08:31.560
<v Speaker 6>should not clog. Especially when you get backups with your

1255
01:08:31.560 --> 01:08:34.479
<v Speaker 6>toilets and stuff something, there's probably a bigger issue that

1256
01:08:34.520 --> 01:08:35.960
<v Speaker 6>you need to get figured out.

1257
01:08:37.399 --> 01:08:37.600
<v Speaker 3>You know.

1258
01:08:38.680 --> 01:08:43.560
<v Speaker 2>That's one thing that I think it's an automatic ripoff

1259
01:08:44.960 --> 01:08:47.960
<v Speaker 2>by many many companies. When you have a slow drain,

1260
01:08:48.920 --> 01:08:52.800
<v Speaker 2>it doesn't always mean you need a new drain, right,

1261
01:08:52.840 --> 01:08:55.279
<v Speaker 2>I mean once you but okay, so what are the

1262
01:08:55.680 --> 01:08:59.319
<v Speaker 2>what's the difference between a slow drain and a bad drain?

1263
01:09:00.119 --> 01:09:03.279
<v Speaker 6>Bad drain? So a lot of a lot of the

1264
01:09:03.359 --> 01:09:06.439
<v Speaker 6>drains in Colorado are made out of what's called clay tile.

1265
01:09:06.640 --> 01:09:09.239
<v Speaker 6>So if you think of those those pots, those red

1266
01:09:09.279 --> 01:09:11.600
<v Speaker 6>pots that people use for garden, that was the old

1267
01:09:11.640 --> 01:09:13.560
<v Speaker 6>train line. That's what it's made out of.

1268
01:09:13.760 --> 01:09:15.439
<v Speaker 2>And there there's still something like that.

1269
01:09:15.600 --> 01:09:18.920
<v Speaker 6>Oh, there's there's thousands throughout Denver. I mean, that's what

1270
01:09:18.960 --> 01:09:21.359
<v Speaker 6>most of them were designed from. And they got a

1271
01:09:21.359 --> 01:09:21.920
<v Speaker 6>limited line.

1272
01:09:22.000 --> 01:09:22.720
<v Speaker 2>Did they change that?

1273
01:09:22.800 --> 01:09:26.760
<v Speaker 6>What year seventies is when they started using clay seventies

1274
01:09:26.760 --> 01:09:30.039
<v Speaker 6>when they started using plastics. And and of course the

1275
01:09:30.039 --> 01:09:32.560
<v Speaker 6>plastics have gotten better as well, but so mid.

1276
01:09:32.439 --> 01:09:37.079
<v Speaker 2>Seventies backward, you you could have clay, yeah, and exactly.

1277
01:09:37.399 --> 01:09:40.960
<v Speaker 6>And so you know, even with the plastics, if they're

1278
01:09:41.000 --> 01:09:45.199
<v Speaker 6>not put in properly, you could have low spots. Yeah, bellies,

1279
01:09:45.760 --> 01:09:47.119
<v Speaker 6>bellies and of offsets.

1280
01:09:47.199 --> 01:09:49.439
<v Speaker 2>Okay, So but cracks tree roots.

1281
01:09:49.439 --> 01:09:52.760
<v Speaker 6>People think that it's normal to snake out tree roots.

1282
01:09:53.319 --> 01:09:54.039
<v Speaker 6>That's not normal.

1283
01:09:54.119 --> 01:09:57.159
<v Speaker 2>No, what they say is it's maintenance, right, It isn't normal.

1284
01:09:57.880 --> 01:10:00.640
<v Speaker 2>Why do they think intrusion of tree roots is.

1285
01:10:00.600 --> 01:10:04.000
<v Speaker 6>Normal because they've been told that because somebody's going to

1286
01:10:04.079 --> 01:10:06.039
<v Speaker 6>charge you three four or five hundred dollars to clean

1287
01:10:06.079 --> 01:10:09.359
<v Speaker 6>them out every year. And we're of the opinion that

1288
01:10:09.640 --> 01:10:11.119
<v Speaker 6>you may as well get it fixed.

1289
01:10:11.159 --> 01:10:11.359
<v Speaker 2>Now.

1290
01:10:11.359 --> 01:10:13.960
<v Speaker 6>We can certainly snake it out or jet it out

1291
01:10:14.039 --> 01:10:16.880
<v Speaker 6>and get rid of those tree roots, but they're just

1292
01:10:16.960 --> 01:10:20.439
<v Speaker 6>going to come back. They're they're penetrating the line because

1293
01:10:20.439 --> 01:10:22.640
<v Speaker 6>you have a crack or an offset or something else

1294
01:10:22.720 --> 01:10:25.319
<v Speaker 6>going on there. But you can line those lines right,

1295
01:10:25.479 --> 01:10:27.880
<v Speaker 6>some you can line them, that's that's one way of

1296
01:10:28.079 --> 01:10:30.640
<v Speaker 6>doing repair. You can burst them, you can excavate them

1297
01:10:30.640 --> 01:10:32.399
<v Speaker 6>and replace the line. There's a lot of different ways

1298
01:10:32.479 --> 01:10:36.039
<v Speaker 6>to do it, but so we're we're of the opinion

1299
01:10:36.199 --> 01:10:39.640
<v Speaker 6>give a client some options, tell them exactly what's going on.

1300
01:10:40.079 --> 01:10:42.399
<v Speaker 6>They might they might just want to fix that one spot.

1301
01:10:42.560 --> 01:10:44.640
<v Speaker 6>They might want to fix their whole line from the

1302
01:10:44.640 --> 01:10:46.960
<v Speaker 6>house to the street. They might want to do everything

1303
01:10:47.000 --> 01:10:50.000
<v Speaker 6>in the yard. So our job is to educate a

1304
01:10:50.039 --> 01:10:52.520
<v Speaker 6>client on what exactly is going on and what the

1305
01:10:52.560 --> 01:10:56.199
<v Speaker 6>options for repairs are and then let them make the decision.

1306
01:10:56.399 --> 01:10:59.479
<v Speaker 6>And some of these repairs are pricey, so we offer financing.

1307
01:10:59.680 --> 01:11:03.800
<v Speaker 6>If somebody needs financing, we can do low monthly payments

1308
01:11:03.840 --> 01:11:07.560
<v Speaker 6>on it. Again, they're the homeowner, it's their money, it's

1309
01:11:07.600 --> 01:11:09.880
<v Speaker 6>their house, it's their budget. We're just there to educate

1310
01:11:09.920 --> 01:11:10.840
<v Speaker 6>them and give them options.

1311
01:11:11.239 --> 01:11:16.079
<v Speaker 2>Now on the newer lines, though, you would very seldom

1312
01:11:16.199 --> 01:11:19.079
<v Speaker 2>have Well, what would be a reason to replace a

1313
01:11:19.119 --> 01:11:19.800
<v Speaker 2>new line?

1314
01:11:20.039 --> 01:11:23.720
<v Speaker 6>Typically it's a belly. Typically it wasn't during construction, wasn't it.

1315
01:11:23.760 --> 01:11:26.479
<v Speaker 2>But that can be just taken out right in that area,

1316
01:11:26.920 --> 01:11:29.560
<v Speaker 2>in that one area. Yes, So typically that's what.

1317
01:11:29.520 --> 01:11:32.880
<v Speaker 6>We call it if it's in good shape, right, because again,

1318
01:11:32.960 --> 01:11:35.479
<v Speaker 6>plastic is gonna last seven hundred years, so chances are

1319
01:11:35.520 --> 01:11:38.720
<v Speaker 6>it's not the line that's bad, right, and so yes,

1320
01:11:38.760 --> 01:11:40.680
<v Speaker 6>we'll just go in and cut that one section out

1321
01:11:40.800 --> 01:11:41.680
<v Speaker 6>and fix the belly.

1322
01:11:42.439 --> 01:11:47.960
<v Speaker 2>Now. Becky called earlier in she said she had a

1323
01:11:48.039 --> 01:11:52.319
<v Speaker 2>late fee because she had extenuating circumstances in the family

1324
01:11:53.159 --> 01:11:55.600
<v Speaker 2>and she felt badly about it, but she was late

1325
01:11:55.760 --> 01:11:59.840
<v Speaker 2>and they charged her thirty two bucks sixteen dollars a line,

1326
01:12:00.399 --> 01:12:04.439
<v Speaker 2>and she said she thought it was she wanted a

1327
01:12:04.479 --> 01:12:07.840
<v Speaker 2>special circumstance and they said no, so she kept paying

1328
01:12:07.880 --> 01:12:12.520
<v Speaker 2>her normal balance. So each month because the whole amount

1329
01:12:12.560 --> 01:12:15.960
<v Speaker 2>wasn't paid, she got another sixteen dollar charge's up to

1330
01:12:16.000 --> 01:12:18.880
<v Speaker 2>over one hundred bucks. Or she got another thirty two

1331
01:12:18.920 --> 01:12:22.640
<v Speaker 2>dollars charge sixteen per line, and she's upset and she goes, look,

1332
01:12:22.680 --> 01:12:25.119
<v Speaker 2>I've been a customer for thirty years, Brian, you have

1333
01:12:25.159 --> 01:12:28.960
<v Speaker 2>a comment on that problem. Go ahead, Brian, Yes.

1334
01:12:29.640 --> 01:12:32.960
<v Speaker 26>I'd feel sorry for that woman. If your deputy can't

1335
01:12:33.399 --> 01:12:35.119
<v Speaker 26>can't ad any leeway with a.

1336
01:12:36.960 --> 01:12:39.119
<v Speaker 2>Cent yeah, centry link, yes.

1337
01:12:39.640 --> 01:12:42.359
<v Speaker 26>Yeah, tell her I'll pay the late fee. I'll either

1338
01:12:42.359 --> 01:12:44.159
<v Speaker 26>give you guys the money or she can call me.

1339
01:12:44.199 --> 01:12:45.840
<v Speaker 26>I'll send her money on it. But I want her

1340
01:12:45.880 --> 01:12:48.680
<v Speaker 26>to get caught up. But under one condition that she

1341
01:12:48.720 --> 01:12:50.439
<v Speaker 26>does cancel one of the lines, I don't want this

1342
01:12:50.479 --> 01:12:52.079
<v Speaker 26>happening to her again.

1343
01:12:53.039 --> 01:12:55.319
<v Speaker 2>Yeah, you know what, Thank you very much. That's very

1344
01:12:55.359 --> 01:12:57.800
<v Speaker 2>nice of you. And take his name and number down.

1345
01:12:58.079 --> 01:13:00.760
<v Speaker 2>We always we always like people who willing to help

1346
01:13:00.800 --> 01:13:08.319
<v Speaker 2>out people. I want to talk about something else on

1347
01:13:08.520 --> 01:13:13.000
<v Speaker 2>text here. One guy says that one of the best

1348
01:13:13.039 --> 01:13:17.399
<v Speaker 2>things he thinks for security our past keys. Now, let

1349
01:13:17.439 --> 01:13:20.680
<v Speaker 2>me get this straight. Our past keys where you plug

1350
01:13:20.720 --> 01:13:23.520
<v Speaker 2>it into your computer, so you actually carry it with

1351
01:13:23.560 --> 01:13:25.439
<v Speaker 2>you and you you have to plug it in where

1352
01:13:25.439 --> 01:13:28.159
<v Speaker 2>you are. Is that what a past key is? Because

1353
01:13:28.279 --> 01:13:31.600
<v Speaker 2>I don't know if I use a pass key, it's

1354
01:13:31.640 --> 01:13:33.800
<v Speaker 2>different than a password, right, Mark, do you know what

1355
01:13:33.840 --> 01:13:34.600
<v Speaker 2>a past key is?

1356
01:13:35.640 --> 01:13:36.880
<v Speaker 5>Of course?

1357
01:13:37.159 --> 01:13:38.159
<v Speaker 2>What is it?

1358
01:13:38.840 --> 01:13:41.039
<v Speaker 5>Well, there's some that go right on thumb drives in

1359
01:13:41.119 --> 01:13:42.159
<v Speaker 5>order to access stuff.

1360
01:13:42.159 --> 01:13:46.720
<v Speaker 2>You got about what I'm saying, So go ahead, Yeah, no,

1361
01:13:46.840 --> 01:13:50.399
<v Speaker 2>that that's it. So, so it's like a USB drive

1362
01:13:50.880 --> 01:13:51.920
<v Speaker 2>that you'd carry with you.

1363
01:13:52.720 --> 01:13:55.039
<v Speaker 5>Yeah, and it's encrypted, encrypted.

1364
01:13:54.960 --> 01:13:57.960
<v Speaker 2>So it could be on your key ring or something.

1365
01:13:59.279 --> 01:14:00.079
<v Speaker 2>Some say it.

1366
01:14:00.079 --> 01:14:03.279
<v Speaker 5>Could be pretty much anywhere. I mean, that works very well.

1367
01:14:03.319 --> 01:14:07.800
<v Speaker 5>I think just dual authentication works the best for most people.

1368
01:14:09.560 --> 01:14:11.279
<v Speaker 2>Now, not all that. They said. It could be on

1369
01:14:11.359 --> 01:14:15.199
<v Speaker 2>your phone too. They have pass keys that go on

1370
01:14:15.239 --> 01:14:16.279
<v Speaker 2>your phone.

1371
01:14:16.439 --> 01:14:18.600
<v Speaker 5>Well, like on your phone, you can use a thumb

1372
01:14:18.600 --> 01:14:20.760
<v Speaker 5>print for example, that could be a pass key. You

1373
01:14:20.800 --> 01:14:25.239
<v Speaker 5>could literally have a pass key when those computers have

1374
01:14:25.319 --> 01:14:25.920
<v Speaker 5>pass keys.

1375
01:14:26.000 --> 01:14:30.520
<v Speaker 2>Now, yeah, on my laptop, I've always had that fingerprint thing.

1376
01:14:30.640 --> 01:14:33.880
<v Speaker 5>You can do yep, more face recognition of course on

1377
01:14:33.920 --> 01:14:34.359
<v Speaker 5>a phone.

1378
01:14:35.159 --> 01:14:40.199
<v Speaker 2>Yeah, so apparently that's where the industry's going. Past keys.

1379
01:14:40.239 --> 01:14:43.239
<v Speaker 5>Well, i'll tell you one that works great, Charles Schwab.

1380
01:14:44.159 --> 01:14:47.680
<v Speaker 5>They have voice authentication that works. It's remarkable how well

1381
01:14:47.680 --> 01:14:48.119
<v Speaker 5>it works.

1382
01:14:49.000 --> 01:14:52.840
<v Speaker 2>Oh really, so they can. I wonder if anyone could

1383
01:14:52.880 --> 01:14:53.640
<v Speaker 2>ever trick it.

1384
01:14:54.840 --> 01:14:57.079
<v Speaker 5>I don't think so. I thought about that, like AI,

1385
01:14:57.239 --> 01:14:59.000
<v Speaker 5>I don't think it works that way or else. Why

1386
01:14:59.000 --> 01:15:00.640
<v Speaker 5>would they be using it using it?

1387
01:15:02.199 --> 01:15:07.279
<v Speaker 2>Wow, you're you're right, You're right, they wouldn't, not on

1388
01:15:07.359 --> 01:15:08.119
<v Speaker 2>something like that.

1389
01:15:08.439 --> 01:15:11.479
<v Speaker 5>Yeah, so I finally invoked it. It works pretty well.

1390
01:15:11.600 --> 01:15:14.279
<v Speaker 5>As soon as you call up, you say uh, you

1391
01:15:14.399 --> 01:15:17.479
<v Speaker 5>basically say a sentence, and then all of a sudden

1392
01:15:17.479 --> 01:15:20.520
<v Speaker 5>it authenticates you. So when it does put you through

1393
01:15:20.520 --> 01:15:23.079
<v Speaker 5>to somebody, you don't have to answer you know, ten

1394
01:15:23.119 --> 01:15:24.520
<v Speaker 5>different questions again.

1395
01:15:24.439 --> 01:15:29.319
<v Speaker 2>Right, I love that idea. Wow, that's pretty cool. All right,

1396
01:15:29.399 --> 01:15:34.520
<v Speaker 2>thank you I'm Brian. You know, like I said, you

1397
01:15:34.520 --> 01:15:37.039
<v Speaker 2>know it may or may ye know who knows. I mean,

1398
01:15:37.399 --> 01:15:40.359
<v Speaker 2>she's got this problem, and I think she. I mean,

1399
01:15:40.399 --> 01:15:46.319
<v Speaker 2>I really appreciate you offering, but people don't. Whatever you

1400
01:15:46.399 --> 01:15:51.760
<v Speaker 2>do with a mortgage or anything, don't let it pile up. Okay,

1401
01:15:52.319 --> 01:15:56.520
<v Speaker 2>don't ever let it pile up. Bob Logan, I have another.

1402
01:15:56.600 --> 01:15:58.760
<v Speaker 2>Oh no, this is not for Bob. Well maybe it

1403
01:15:58.840 --> 01:16:00.439
<v Speaker 2>is if you need an it you guy. Here, here's

1404
01:16:00.479 --> 01:16:01.760
<v Speaker 2>what a guy says. Listen to this one.

1405
01:16:01.880 --> 01:16:03.760
<v Speaker 6>Definitely not Bob Logan, Nana.

1406
01:16:04.439 --> 01:16:07.840
<v Speaker 2>Although it would be tough to prove. In my opinion,

1407
01:16:08.600 --> 01:16:12.520
<v Speaker 2>I am not getting any job offers from ninety nine

1408
01:16:12.560 --> 01:16:16.680
<v Speaker 2>percent of the companies I'm applying with on LinkedIn zip recruiter. Indeed,

1409
01:16:17.039 --> 01:16:20.520
<v Speaker 2>blah blah blah. Once they look at my application and resume,

1410
01:16:20.640 --> 01:16:24.199
<v Speaker 2>they see I am sixty five years old, and it

1411
01:16:24.319 --> 01:16:30.520
<v Speaker 2>looks like an automatic disqualifier. I am qualified as most

1412
01:16:30.800 --> 01:16:33.319
<v Speaker 2>as qualified as a twenty one year old for most jobs,

1413
01:16:33.880 --> 01:16:39.479
<v Speaker 2>have more experience, more reliable college, and I'm as smart

1414
01:16:39.479 --> 01:16:40.520
<v Speaker 2>as anyone they hire.

1415
01:16:40.800 --> 01:16:42.199
<v Speaker 5>What kind of jobs are looking for?

1416
01:16:42.640 --> 01:16:47.000
<v Speaker 2>Here's what he says. Unfortunately, only two companies out of

1417
01:16:47.079 --> 01:16:51.039
<v Speaker 2>forty even bothered to interview me. One was for an electrician.

1418
01:16:52.840 --> 01:16:54.800
<v Speaker 2>Here's what I think. People are afraid I'm going to

1419
01:16:54.880 --> 01:16:57.920
<v Speaker 2>retire in a year or so. But there's no guarantee

1420
01:16:57.960 --> 01:16:59.800
<v Speaker 2>a twenty one year old is going to stay either.

1421
01:17:00.279 --> 01:17:03.399
<v Speaker 2>Although at sixty five, is it a fair question? I

1422
01:17:03.439 --> 01:17:05.079
<v Speaker 2>think it's a fair question to answer, are you going

1423
01:17:05.119 --> 01:17:07.159
<v Speaker 2>to retire in a year? I mean, I don't know.

1424
01:17:07.199 --> 01:17:09.000
<v Speaker 2>If I'd want to invest a lot of training and

1425
01:17:09.039 --> 01:17:11.920
<v Speaker 2>time and somebody's going to retire in a year or two,

1426
01:17:12.399 --> 01:17:16.720
<v Speaker 2>I'd be terrified. Yeah. Anyway, here's what he does because

1427
01:17:16.760 --> 01:17:19.439
<v Speaker 2>I asked him that he's been in it for forty

1428
01:17:19.479 --> 01:17:25.720
<v Speaker 2>two years.

1429
01:17:22.800 --> 01:17:23.119
<v Speaker 12>And.

1430
01:17:24.680 --> 01:17:26.920
<v Speaker 2>But this what does what I don't understand, but not

1431
01:17:27.039 --> 01:17:34.680
<v Speaker 2>so much Windows software experience. He knows hardware integration, and

1432
01:17:34.720 --> 01:17:38.840
<v Speaker 2>he knows a lot of different programs. He can repair

1433
01:17:39.000 --> 01:17:43.359
<v Speaker 2>IBM servers. Jesus know what he uses intell an IBM service.

1434
01:17:43.880 --> 01:17:49.159
<v Speaker 2>I can figure flash flash diagnosed, repair laser printers. That's

1435
01:17:49.199 --> 01:17:52.359
<v Speaker 2>another thing going away. I also ran, well, this is

1436
01:17:52.399 --> 01:17:56.520
<v Speaker 2>good when sixty five hundred square foot warehouse shipping and

1437
01:17:56.560 --> 01:18:03.720
<v Speaker 2>receiving inventory. I can repair cables, soldering voltmeters. You know,

1438
01:18:03.840 --> 01:18:08.199
<v Speaker 2>somebody's an electronic technician and IT guy. I have a

1439
01:18:08.199 --> 01:18:13.840
<v Speaker 2>degree in electronic technology. He's applied for IT jobs, technician jobs,

1440
01:18:13.840 --> 01:18:18.319
<v Speaker 2>warehouse jobs. He's done installations, cabling, power.

1441
01:18:18.399 --> 01:18:21.119
<v Speaker 5>I mean, I know, for example, Amazon's hiring.

1442
01:18:23.239 --> 01:18:24.479
<v Speaker 2>Like for drivers and stuff.

1443
01:18:25.079 --> 01:18:28.159
<v Speaker 5>Well, definitely drivers, but I mean he just you said warehouse.

1444
01:18:28.199 --> 01:18:29.520
<v Speaker 5>That's why it made me think of that.

1445
01:18:29.960 --> 01:18:35.479
<v Speaker 2>Yeah, yeah, you know, yeah they are hiring, but is

1446
01:18:36.239 --> 01:18:38.880
<v Speaker 2>you know, look at I don't like the idea. I

1447
01:18:38.920 --> 01:18:43.199
<v Speaker 2>don't like that older people might be overlooked. But if

1448
01:18:43.239 --> 01:18:45.520
<v Speaker 2>I had a choice between a forty year old or

1449
01:18:45.600 --> 01:18:48.880
<v Speaker 2>a sixty five year old, has nothing to do with

1450
01:18:49.159 --> 01:18:52.840
<v Speaker 2>their ability. It's the time horizon because you have to

1451
01:18:52.960 --> 01:18:57.439
<v Speaker 2>invest a certain amount of money, right don't you. You

1452
01:18:57.520 --> 01:18:58.560
<v Speaker 2>have to invest us.

1453
01:19:00.720 --> 01:19:03.399
<v Speaker 5>And just ask ask Bob Logan sitting next to you,

1454
01:19:03.760 --> 01:19:07.000
<v Speaker 5>how longs it take for you guys to train up

1455
01:19:07.600 --> 01:19:10.680
<v Speaker 5>in HVAC tech that can finally go out on his

1456
01:19:10.720 --> 01:19:13.119
<v Speaker 5>own and live up to company standards?

1457
01:19:13.159 --> 01:19:13.680
<v Speaker 2>What a year?

1458
01:19:15.319 --> 01:19:18.159
<v Speaker 6>Yeah, that's just to do basic maintenance. If they're if

1459
01:19:18.159 --> 01:19:19.800
<v Speaker 6>they're starting from scratch.

1460
01:19:19.840 --> 01:19:23.159
<v Speaker 5>Yeah, that's I mean, think about that, Tom, what on

1461
01:19:23.319 --> 01:19:27.359
<v Speaker 5>someone that's green has a year invested in them. Mostly

1462
01:19:27.399 --> 01:19:30.159
<v Speaker 5>all not only are they getting paid, of course, but

1463
01:19:30.359 --> 01:19:32.760
<v Speaker 5>the training, the schooling and all of that.

1464
01:19:33.399 --> 01:19:37.600
<v Speaker 6>And again that's just maintenance. That's just basic maintenance. Even

1465
01:19:37.680 --> 01:19:40.680
<v Speaker 6>even technicians that come to us with ten fifteen years

1466
01:19:40.680 --> 01:19:44.239
<v Speaker 6>of experience will invest a good six months to a

1467
01:19:44.319 --> 01:19:47.079
<v Speaker 6>year just to teach them the plumbline way.

1468
01:19:47.920 --> 01:19:48.119
<v Speaker 2>Yep.

1469
01:19:48.920 --> 01:19:52.680
<v Speaker 6>And and so a lot of time and money. But

1470
01:19:54.279 --> 01:19:56.880
<v Speaker 6>I mean, we we've got we've got people of all

1471
01:19:56.920 --> 01:20:00.520
<v Speaker 6>ages working front for us. I'm willing to investing the

1472
01:20:01.119 --> 01:20:04.680
<v Speaker 6>right person and they bring a lot of value.

1473
01:20:06.520 --> 01:20:09.119
<v Speaker 5>Yeah, but I mean I'm just going to that time horizon,

1474
01:20:09.199 --> 01:20:11.960
<v Speaker 5>like Time's talking about. It's pretty hard to do that

1475
01:20:12.399 --> 01:20:15.479
<v Speaker 5>with someone that's sixty five years old. I mean, let's

1476
01:20:15.520 --> 01:20:18.199
<v Speaker 5>even put aside the heavy lifting and other things that

1477
01:20:18.279 --> 01:20:20.920
<v Speaker 5>could be part of you know, the scope of work

1478
01:20:20.960 --> 01:20:24.680
<v Speaker 5>with plumblin Er and HVAC company, but just that timeline

1479
01:20:24.720 --> 01:20:28.039
<v Speaker 5>at sixty five, you could very well train them, spend

1480
01:20:28.039 --> 01:20:30.279
<v Speaker 5>a lot of money on them, and they retire a

1481
01:20:30.399 --> 01:20:30.960
<v Speaker 5>year later.

1482
01:20:32.640 --> 01:20:37.439
<v Speaker 2>That's true. That's that's the problem. That is what I'm saying, Like, like,

1483
01:20:37.600 --> 01:20:41.880
<v Speaker 2>I can't blame people sixty five. Look if you said

1484
01:20:41.920 --> 01:20:45.359
<v Speaker 2>to me, you know, I want to work another ten years,

1485
01:20:45.600 --> 01:20:47.680
<v Speaker 2>but you're not supposed to even ask that, and I

1486
01:20:47.680 --> 01:20:50.760
<v Speaker 2>don't think there's anything wrong with it. I mean, look,

1487
01:20:52.520 --> 01:20:54.560
<v Speaker 2>if you hired me at sixty five, you would have

1488
01:20:54.760 --> 01:20:57.560
<v Speaker 2>not had six years from me, and who knows how

1489
01:20:57.640 --> 01:21:01.479
<v Speaker 2>many years. But here's the thing, though, some people don't

1490
01:21:01.520 --> 01:21:05.039
<v Speaker 2>want they want to retire at sixty five or sixty eight,

1491
01:21:05.159 --> 01:21:08.359
<v Speaker 2>or some people want to retire at sixty. So I

1492
01:21:08.399 --> 01:21:10.600
<v Speaker 2>don't think there's anything wrong asking.

1493
01:21:11.399 --> 01:21:16.359
<v Speaker 5>Hey, real quick, I was reading up on this voice print.

1494
01:21:16.359 --> 01:21:20.560
<v Speaker 5>They call it like a fingerprint. It actually analyzes seventy

1495
01:21:20.840 --> 01:21:24.199
<v Speaker 5>different points. You can't copy it, in other words, even

1496
01:21:24.239 --> 01:21:28.760
<v Speaker 5>if you used a good program. And the reason you

1497
01:21:28.800 --> 01:21:32.760
<v Speaker 5>couldn't copy it is because while you're having the conversation

1498
01:21:33.319 --> 01:21:39.880
<v Speaker 5>with the financial institution, it is constantly still doing it. So,

1499
01:21:40.119 --> 01:21:43.520
<v Speaker 5>in other words, if I went on there and said

1500
01:21:43.520 --> 01:21:46.239
<v Speaker 5>my pass key my verbal pass key when I'm on

1501
01:21:46.279 --> 01:21:48.640
<v Speaker 5>with SCHWAB and then they put me through to a

1502
01:21:48.680 --> 01:21:51.199
<v Speaker 5>rep and my account's open and he can do whatever,

1503
01:21:51.880 --> 01:21:54.600
<v Speaker 5>it's still monitoring my voice for a change.

1504
01:21:54.720 --> 01:21:55.399
<v Speaker 2>So if all of a.

1505
01:21:55.399 --> 01:21:57.680
<v Speaker 5>Sudden the guy with the gun to my head gets on,

1506
01:21:58.000 --> 01:22:01.039
<v Speaker 5>it's going to know it changed. I mean, really remarkable.

1507
01:22:01.279 --> 01:22:04.319
<v Speaker 5>This looks like this is where everything's going it this

1508
01:22:04.760 --> 01:22:06.159
<v Speaker 5>voice recognition, man.

1509
01:22:08.359 --> 01:22:12.399
<v Speaker 2>I know that's a great idea, especially if they can

1510
01:22:13.079 --> 01:22:16.640
<v Speaker 2>if you can't really defeat it, if it's that good, that's.

1511
01:22:16.439 --> 01:22:19.279
<v Speaker 5>It looks like you can't defeat it. And it's constantly

1512
01:22:20.000 --> 01:22:23.479
<v Speaker 5>it's constantly working the whole phone call, which is nuts.

1513
01:22:23.640 --> 01:22:27.439
<v Speaker 2>I know it's a great solution. I didn't take fifteen,

1514
01:22:27.520 --> 01:22:29.560
<v Speaker 2>did I? Yeah? I don't know.

1515
01:22:29.600 --> 01:22:31.399
<v Speaker 24>Do you break in this hour? Yeah?

1516
01:22:31.479 --> 01:22:35.000
<v Speaker 2>See you jerk anyway. Yeah, I'm gonna break right now.

1517
01:22:35.079 --> 01:22:37.800
<v Speaker 2>I'm gonna break your ass. Okay, never mind, we'll take

1518
01:22:37.800 --> 01:22:49.760
<v Speaker 2>a break. I'm Tom Martino. More coming up. Hi, Tom Martino,

1519
01:22:51.760 --> 01:22:55.119
<v Speaker 2>your troubleshooter three zero three seven one to three talk

1520
01:22:55.199 --> 01:22:58.520
<v Speaker 2>seven one three eight two five five. Mike's got to

1521
01:22:58.560 --> 01:23:00.920
<v Speaker 2>comment on sentrylink ahead, what's your comment?

1522
01:23:02.000 --> 01:23:05.720
<v Speaker 20>Yes, Tom, I've had one landline with Century Link for

1523
01:23:05.800 --> 01:23:10.560
<v Speaker 20>eighteen years, and since June they've been putting a bogus

1524
01:23:11.279 --> 01:23:14.840
<v Speaker 20>charge on my bill for what assistance?

1525
01:23:16.720 --> 01:23:17.960
<v Speaker 2>Directory assistance?

1526
01:23:18.199 --> 01:23:18.520
<v Speaker 20>Yes?

1527
01:23:19.079 --> 01:23:22.239
<v Speaker 2>Does anyone even do that? Direct?

1528
01:23:22.279 --> 01:23:23.359
<v Speaker 5>Who would one?

1529
01:23:24.159 --> 01:23:25.840
<v Speaker 2>Is that? For one?

1530
01:23:25.880 --> 01:23:26.039
<v Speaker 3>One?

1531
01:23:26.119 --> 01:23:27.800
<v Speaker 2>Right? Or for one one?

1532
01:23:29.520 --> 01:23:31.039
<v Speaker 20>I don't even know what that's what it used to?

1533
01:23:31.079 --> 01:23:31.960
<v Speaker 20>Ever even use it?

1534
01:23:33.760 --> 01:23:36.439
<v Speaker 2>Come on? For one one? Who would ever use it.

1535
01:23:36.479 --> 01:23:39.600
<v Speaker 2>How much is the charge anyone ever? In fact, I

1536
01:23:39.640 --> 01:23:43.159
<v Speaker 2>don't information. Please it was.

1537
01:23:43.119 --> 01:23:45.680
<v Speaker 20>For twenty ninety seven and what the lady in the

1538
01:23:45.720 --> 01:23:46.600
<v Speaker 20>royal area.

1539
01:23:46.439 --> 01:23:48.840
<v Speaker 2>Needs twenty dollars.

1540
01:23:48.399 --> 01:23:51.600
<v Speaker 20>Twenty dollars ninety seven cents.

1541
01:23:52.119 --> 01:23:54.840
<v Speaker 2>Okay, hold on a second. This has to be crazy.

1542
01:23:55.520 --> 01:23:58.159
<v Speaker 2>Are you kidding me? They don't have such a thing.

1543
01:23:58.520 --> 01:24:01.800
<v Speaker 2>Come on, one one, I'm gonna do it. Four one one,

1544
01:24:01.920 --> 01:24:05.000
<v Speaker 2>let's see what is four one? Can't well, what are.

1545
01:24:04.880 --> 01:24:06.720
<v Speaker 5>You doing it from? You don't have a landline.

1546
01:24:07.359 --> 01:24:12.279
<v Speaker 20>I've had one landline with him for eighteen years. No, no, no,

1547
01:24:12.239 --> 01:24:14.039
<v Speaker 20>I'm talking about time for assistance.

1548
01:24:15.239 --> 01:24:17.119
<v Speaker 5>If you do it from your cell phone, you get

1549
01:24:17.159 --> 01:24:17.800
<v Speaker 5>your carrier.

1550
01:24:18.000 --> 01:24:20.720
<v Speaker 20>I don't have a cell phone. I only have a landline.

1551
01:24:20.800 --> 01:24:24.640
<v Speaker 5>Oh my god, I feel like I've entered into.

1552
01:24:25.920 --> 01:24:29.840
<v Speaker 2>No. No, do you have a landline or do you

1553
01:24:29.880 --> 01:24:33.199
<v Speaker 2>have Do you have a landline? Mike you're talking about?

1554
01:24:33.680 --> 01:24:33.960
<v Speaker 18>Yes?

1555
01:24:34.159 --> 01:24:38.760
<v Speaker 2>Okay, wow, I didn't even know the service still existed.

1556
01:24:40.720 --> 01:24:42.720
<v Speaker 2>I am honest to god, didn't even know it exists.

1557
01:24:42.800 --> 01:24:45.920
<v Speaker 20>The lady in the rural area, she needs to write

1558
01:24:45.960 --> 01:24:48.239
<v Speaker 20>a note whether when she sends her bill, nails it

1559
01:24:48.319 --> 01:24:52.079
<v Speaker 20>in every month saying that you're not explaining why putting

1560
01:24:52.079 --> 01:24:54.600
<v Speaker 20>in the account number. That's what I've been doing since June.

1561
01:24:54.600 --> 01:24:58.039
<v Speaker 2>Okay, well, thank you, thank you. Mike. Hey, Mike, you

1562
01:24:58.760 --> 01:25:01.359
<v Speaker 2>did you ever think about just doing away with your landline?

1563
01:25:02.680 --> 01:25:03.840
<v Speaker 20>No?

1564
01:25:03.840 --> 01:25:06.119
<v Speaker 2>No, okay, Why do you like it?

1565
01:25:06.119 --> 01:25:09.560
<v Speaker 20>Because you get of radiation through your skull every time

1566
01:25:09.600 --> 01:25:13.520
<v Speaker 20>you use a cell phone. They work off a razor beam.

1567
01:25:13.720 --> 01:25:18.359
<v Speaker 2>Okay, Oh so I get it. I get it. So

1568
01:25:18.600 --> 01:25:21.039
<v Speaker 2>you don't have that because you don't want to get

1569
01:25:21.079 --> 01:25:26.159
<v Speaker 2>that through your through your brain. I get it, I

1570
01:25:26.199 --> 01:25:28.279
<v Speaker 2>get it. We got more coming up. Three O three

1571
01:25:28.399 --> 01:25:41.439
<v Speaker 2>seven one three eight two five five three O three

1572
01:25:42.359 --> 01:25:45.119
<v Speaker 2>seven one three talk three O three seven one three

1573
01:25:45.199 --> 01:25:49.800
<v Speaker 2>eight two five five. All right, now, let's talk and

1574
01:25:50.159 --> 01:25:56.159
<v Speaker 2>find out what we can do to help. Let's see Bill, Hey, Bill,

1575
01:25:56.199 --> 01:25:57.000
<v Speaker 2>what's going on?

1576
01:25:57.880 --> 01:25:59.199
<v Speaker 11>Hey hey?

1577
01:25:59.239 --> 01:26:03.000
<v Speaker 22>I got a scene. When I pour water into it

1578
01:26:03.039 --> 01:26:07.760
<v Speaker 22>from my cooking pasta, I have to burp the garbage

1579
01:26:07.760 --> 01:26:09.720
<v Speaker 22>disposal for it to drain.

1580
01:26:10.800 --> 01:26:14.479
<v Speaker 2>Wait, wait, wait a minute, it's just plain water from pasta.

1581
01:26:14.880 --> 01:26:15.159
<v Speaker 21>Yep.

1582
01:26:16.000 --> 01:26:18.720
<v Speaker 2>If you took the same amount of water in a

1583
01:26:18.760 --> 01:26:20.880
<v Speaker 2>pot that wasn't boiling it.

1584
01:26:22.039 --> 01:26:22.520
<v Speaker 21>It's just.

1585
01:26:24.399 --> 01:26:26.399
<v Speaker 22>Boiling water. I have to burn.

1586
01:26:26.520 --> 01:26:26.720
<v Speaker 12>You know.

1587
01:26:26.760 --> 01:26:28.600
<v Speaker 22>The thing is on the garbage disposal.

1588
01:26:29.560 --> 01:26:31.199
<v Speaker 2>How do you burp it? I never heard of.

1589
01:26:31.560 --> 01:26:34.720
<v Speaker 22>Could I take the spoon or something that I pushed

1590
01:26:34.720 --> 01:26:37.439
<v Speaker 22>the rub of thingers down and it bubbles and it

1591
01:26:37.479 --> 01:26:38.000
<v Speaker 22>goes down.

1592
01:26:38.800 --> 01:26:42.119
<v Speaker 2>No problem, that's that's you have to stir it. In

1593
01:26:42.159 --> 01:26:45.840
<v Speaker 2>other words, no, just burp it. I don't even know

1594
01:26:45.840 --> 01:26:47.159
<v Speaker 2>what the hell he's talking when I.

1595
01:26:47.039 --> 01:26:50.079
<v Speaker 22>When I you know, the fingers on the garbage disposal.

1596
01:26:50.359 --> 01:26:53.680
<v Speaker 2>No, I don't you mean the rubber flappers?

1597
01:26:54.279 --> 01:26:54.880
<v Speaker 22>Uh huh?

1598
01:26:55.319 --> 01:26:59.119
<v Speaker 2>Are they sealing it or something? I mean like if

1599
01:26:59.159 --> 01:27:00.439
<v Speaker 2>you look down in your guard.

1600
01:27:00.319 --> 01:27:02.159
<v Speaker 22>Line replaced everything bro.

1601
01:27:02.640 --> 01:27:06.079
<v Speaker 2>Bro before you, when you look down at your garbage,

1602
01:27:06.119 --> 01:27:08.560
<v Speaker 2>at your drain, where the garbage di supposal is, like

1603
01:27:08.680 --> 01:27:12.760
<v Speaker 2>right now? Is it open? Or do those rubber flaps close?

1604
01:27:13.399 --> 01:27:15.479
<v Speaker 2>I mean like if you just run water, will the

1605
01:27:15.560 --> 01:27:16.159
<v Speaker 2>water run?

1606
01:27:17.039 --> 01:27:17.279
<v Speaker 18>Yep?

1607
01:27:18.359 --> 01:27:21.840
<v Speaker 2>But when you put hot water down there a large amount.

1608
01:27:21.920 --> 01:27:23.560
<v Speaker 22>I don't know if it's the hot water, but it

1609
01:27:23.600 --> 01:27:25.279
<v Speaker 22>was it was the volume.

1610
01:27:25.399 --> 01:27:28.640
<v Speaker 2>Yeah, yeah, yeah, the volume doesn't flow past those things

1611
01:27:28.720 --> 01:27:31.159
<v Speaker 2>unless you put a wooden spoon in there. It would

1612
01:27:31.159 --> 01:27:31.520
<v Speaker 2>have been.

1613
01:27:34.720 --> 01:27:37.880
<v Speaker 5>Well, thank god for ninety three. Or it's free.

1614
01:27:38.520 --> 01:27:39.600
<v Speaker 2>I don't know, it's not as.

1615
01:27:39.520 --> 01:27:43.800
<v Speaker 22>Long lines replaced everything. I need to sink, three different

1616
01:27:43.840 --> 01:27:44.840
<v Speaker 22>people out.

1617
01:27:46.439 --> 01:27:49.159
<v Speaker 6>Okay, I think, hey, did you call like last month

1618
01:27:49.279 --> 01:27:53.479
<v Speaker 6>or the month before? I remember, yeah, and I'd offer

1619
01:27:53.560 --> 01:27:55.960
<v Speaker 6>to send somebody back out. We went back out.

1620
01:27:57.359 --> 01:28:00.279
<v Speaker 2>His drain works. It's just he puts a when he

1621
01:28:00.279 --> 01:28:03.359
<v Speaker 2>puts a big pot of water into his sink, it

1622
01:28:03.399 --> 01:28:05.560
<v Speaker 2>doesn't go through those rubber flower It's went.

1623
01:28:05.680 --> 01:28:08.239
<v Speaker 5>I'll tell you what's going on. Bill's forgetting that he

1624
01:28:08.319 --> 01:28:11.960
<v Speaker 5>has all those noodles in the water, and he's putting

1625
01:28:11.960 --> 01:28:13.760
<v Speaker 5>all the noodles and the water in.

1626
01:28:15.000 --> 01:28:15.039
<v Speaker 2>No.

1627
01:28:15.680 --> 01:28:17.039
<v Speaker 22>I pour it into a strainer.

1628
01:28:18.640 --> 01:28:23.279
<v Speaker 2>Listen, man, when you if you did not burp it,

1629
01:28:23.439 --> 01:28:24.159
<v Speaker 2>what would happen?

1630
01:28:26.319 --> 01:28:28.239
<v Speaker 22>I guess it eventually would go down.

1631
01:28:29.079 --> 01:28:31.199
<v Speaker 12>Okay, So I never do it.

1632
01:28:31.199 --> 01:28:33.239
<v Speaker 22>I always do it because I'm you know, I don't

1633
01:28:33.239 --> 01:28:35.239
<v Speaker 22>want to pasta sitting in a puddle of water.

1634
01:28:38.439 --> 01:28:42.319
<v Speaker 6>Well, so are you setting the colander or the strainer

1635
01:28:42.760 --> 01:28:44.239
<v Speaker 6>over the bridge and then.

1636
01:28:44.239 --> 01:28:47.000
<v Speaker 22>Right right over topolser right in the middle of the sink?

1637
01:28:47.880 --> 01:28:51.520
<v Speaker 2>Is it gluten free postable? It's blocking the air, you

1638
01:28:51.640 --> 01:28:53.199
<v Speaker 2>just exactly blocking.

1639
01:28:53.520 --> 01:28:56.199
<v Speaker 6>That's what lifted up about an inch or sing.

1640
01:28:56.239 --> 01:28:59.840
<v Speaker 2>It's blocking the air. Going See, for the stuff to flow,

1641
01:28:59.840 --> 01:29:02.159
<v Speaker 2>it has to have air. And I think it's blocked.

1642
01:29:02.239 --> 01:29:07.039
<v Speaker 2>But you have a double sink, yes, so the other

1643
01:29:07.079 --> 01:29:08.800
<v Speaker 2>one should I don't know that doesn't.

1644
01:29:08.840 --> 01:29:10.720
<v Speaker 22>So we used the other one for water. It's just

1645
01:29:10.760 --> 01:29:11.640
<v Speaker 22>a drain sink.

1646
01:29:12.119 --> 01:29:14.720
<v Speaker 2>No, I get it. But when you're drinking, it's teen

1647
01:29:14.800 --> 01:29:16.960
<v Speaker 2>into the garbage as well as right, aren't they both

1648
01:29:17.039 --> 01:29:20.039
<v Speaker 2>teat that they both connect underneath right, right?

1649
01:29:20.159 --> 01:29:20.359
<v Speaker 23>Right?

1650
01:29:21.439 --> 01:29:24.199
<v Speaker 6>But but again I know exactly what you're talking about

1651
01:29:24.199 --> 01:29:26.279
<v Speaker 6>because I do. It happens to me when I when

1652
01:29:26.319 --> 01:29:29.079
<v Speaker 6>I put my pausta in and you just lift it

1653
01:29:29.159 --> 01:29:31.199
<v Speaker 6>up an inch or two and just let that water

1654
01:29:31.319 --> 01:29:33.319
<v Speaker 6>drain out, because you're creating.

1655
01:29:35.880 --> 01:29:36.199
<v Speaker 2>What's that?

1656
01:29:37.239 --> 01:29:38.319
<v Speaker 22>I could hardly hear you.

1657
01:29:38.359 --> 01:29:41.800
<v Speaker 2>Guys, you know what, Bill, I'm right up against that.

1658
01:29:41.880 --> 01:29:45.359
<v Speaker 2>I can't. I can't help it. I can't help it.

1659
01:29:45.479 --> 01:29:49.159
<v Speaker 2>Shannon needs to be fired because if you don't hear me,

1660
01:29:49.680 --> 01:29:52.399
<v Speaker 2>evan hearing that for thirty years, build.

1661
01:29:52.239 --> 01:29:52.720
<v Speaker 18>You hear me?

1662
01:29:52.800 --> 01:30:01.800
<v Speaker 2>Okay though, yeah, sure he does, build you hear me? Okay? Yes, okay,

1663
01:30:03.039 --> 01:30:07.239
<v Speaker 2>Well Bill, Yes, am I lower than him? Right now?

1664
01:30:07.279 --> 01:30:10.680
<v Speaker 2>Can you hear me? You can? Well? I didn't do

1665
01:30:10.720 --> 01:30:12.279
<v Speaker 2>anything differently, So why can.

1666
01:30:12.239 --> 01:30:14.039
<v Speaker 22>You hear what happens all the time when I call

1667
01:30:14.079 --> 01:30:16.720
<v Speaker 22>you the girl that answers the phone half the time.

1668
01:30:16.840 --> 01:30:18.479
<v Speaker 22>She can't understand what I'm saying.

1669
01:30:20.000 --> 01:30:24.479
<v Speaker 2>Yeah, I do Bill, Thanks Bill, I love you. Man, James,

1670
01:30:24.600 --> 01:30:27.920
<v Speaker 2>what's going on with you? James?

1671
01:30:27.920 --> 01:30:32.159
<v Speaker 18>For taking my call. I'm having a standalone garage built.

1672
01:30:33.000 --> 01:30:37.640
<v Speaker 18>The total cost was originally going to be thirty thousand dollars.

1673
01:30:38.760 --> 01:30:42.199
<v Speaker 18>During the course of events, the contractor has now quit

1674
01:30:42.359 --> 01:30:49.279
<v Speaker 18>the job. Why his decision? He's frustrated because there's been

1675
01:30:49.520 --> 01:30:53.359
<v Speaker 18>a series of events. It gets started with I had

1676
01:30:53.399 --> 01:30:57.119
<v Speaker 18>to do a double poor with the foundation. Then he

1677
01:30:57.199 --> 01:30:57.600
<v Speaker 18>tried to.

1678
01:30:57.680 --> 01:30:59.479
<v Speaker 2>Wait, wait, wait, wait, why do you have to do

1679
01:30:59.560 --> 01:31:01.479
<v Speaker 2>a we I you have to do a double poor

1680
01:31:01.600 --> 01:31:01.920
<v Speaker 2>for the.

1681
01:31:01.920 --> 01:31:07.640
<v Speaker 18>Foundation because he misestimated the amount of concrete necessary for

1682
01:31:07.680 --> 01:31:08.039
<v Speaker 18>the poor.

1683
01:31:08.800 --> 01:31:10.039
<v Speaker 2>Oh it was his fog.

1684
01:31:11.439 --> 01:31:14.760
<v Speaker 18>Well, he's blaming it on the concrete company. I'm not

1685
01:31:14.800 --> 01:31:18.399
<v Speaker 18>buying that. But fast forward. He also tried to pass

1686
01:31:18.439 --> 01:31:21.920
<v Speaker 18>off a used garage door on me as a new

1687
01:31:22.000 --> 01:31:26.600
<v Speaker 18>garage door. We since negotiated a settlement for that. But

1688
01:31:27.439 --> 01:31:29.560
<v Speaker 18>due to some things like that.

1689
01:31:29.520 --> 01:31:32.880
<v Speaker 2>And just some okay, so he got frustrated, basically, and

1690
01:31:33.239 --> 01:31:35.760
<v Speaker 2>hold on, he got frustrated and quit. Hold on, I'll

1691
01:31:35.800 --> 01:31:37.800
<v Speaker 2>come right back to you. I want to know and

1692
01:31:37.880 --> 01:31:43.960
<v Speaker 2>make sure you're not behind the eight ball here. Hold on, Hey,

1693
01:31:43.960 --> 01:31:48.720
<v Speaker 2>I'm Tom Martino. You're a troubleshooter. Three O three seven

1694
01:31:48.760 --> 01:31:51.399
<v Speaker 2>to one three talk three oh three seven one three

1695
01:31:51.520 --> 01:31:58.079
<v Speaker 2>eight two five five. So I want to, uh wait,

1696
01:31:58.119 --> 01:32:00.640
<v Speaker 2>what was Bill's issue? Oh, Chris has a comment on

1697
01:32:00.640 --> 01:32:04.600
<v Speaker 2>that garbage disposal issue with Bill. He says, when he

1698
01:32:04.600 --> 01:32:08.239
<v Speaker 2>puts hot pasta water in the sink, it doesn't drain

1699
01:32:08.359 --> 01:32:11.159
<v Speaker 2>unless he puts a wooden spoon or something to and

1700
01:32:11.560 --> 01:32:14.399
<v Speaker 2>I don't know, he calls it burping. What the hell

1701
01:32:14.439 --> 01:32:16.520
<v Speaker 2>does he mean burping? Because he must hear it go

1702
01:32:16.920 --> 01:32:20.520
<v Speaker 2>burp or something. Hey, Chris, what is your comment?

1703
01:32:21.399 --> 01:32:21.640
<v Speaker 18>Yeah?

1704
01:32:21.680 --> 01:32:24.199
<v Speaker 27>I just wanted to I wanted to see if you

1705
01:32:24.279 --> 01:32:27.800
<v Speaker 27>guys could possibly limit Bill's phone calls to maybe one

1706
01:32:27.880 --> 01:32:31.000
<v Speaker 27>a week. Otherwise we should we should start calling it

1707
01:32:31.119 --> 01:32:31.800
<v Speaker 27>the Bill Show.

1708
01:32:32.279 --> 01:32:33.079
<v Speaker 2>How about Drew?

1709
01:32:33.920 --> 01:32:35.760
<v Speaker 27>Drew used the same thing.

1710
01:32:36.600 --> 01:32:39.199
<v Speaker 2>Yeah, you know, Bill's a good guy man, and so

1711
01:32:39.439 --> 01:32:41.239
<v Speaker 2>I like having him call.

1712
01:32:41.920 --> 01:32:44.239
<v Speaker 27>Yeah, every problem you talk about on the air, he's

1713
01:32:44.279 --> 01:32:45.600
<v Speaker 27>got the same problem.

1714
01:32:46.000 --> 01:32:50.960
<v Speaker 2>Or solution sometimes, but or he's had the same problem that. No,

1715
01:32:51.119 --> 01:33:00.640
<v Speaker 2>that's true, and Chris, uh, thank you for that. James, James,

1716
01:33:01.079 --> 01:33:02.439
<v Speaker 2>what's going on? James.

1717
01:33:04.159 --> 01:33:06.760
<v Speaker 18>All right, so I've got this garage being built. The

1718
01:33:06.880 --> 01:33:09.479
<v Speaker 18>contractor has basically.

1719
01:33:09.239 --> 01:33:11.800
<v Speaker 2>Quit this you walked up to So the series of

1720
01:33:11.920 --> 01:33:15.399
<v Speaker 2>mistakes made him walk off the job. He was pissed

1721
01:33:15.439 --> 01:33:15.840
<v Speaker 2>back to it.

1722
01:33:16.159 --> 01:33:18.960
<v Speaker 18>Well, there were also two windows up high that were

1723
01:33:19.000 --> 01:33:19.880
<v Speaker 18>supposed to be put in.

1724
01:33:20.000 --> 01:33:24.319
<v Speaker 2>He did series of mistakes, so I need to know that.

1725
01:33:24.199 --> 01:33:26.439
<v Speaker 18>Convinced me otherwise, I need to know this.

1726
01:33:27.279 --> 01:33:28.359
<v Speaker 2>How much did you pay?

1727
01:33:29.239 --> 01:33:33.119
<v Speaker 18>I'm in for fifteen of the thirty right now. I

1728
01:33:33.199 --> 01:33:35.319
<v Speaker 18>know that I would certainly be entitled to get an

1729
01:33:35.479 --> 01:33:39.199
<v Speaker 18>estimate of any of the remaining elements that need to

1730
01:33:39.239 --> 01:33:41.680
<v Speaker 18>be completed and put that against the thirty grand. But

1731
01:33:41.840 --> 01:33:44.199
<v Speaker 18>since he quit, I'm wondering do I even know anything

1732
01:33:44.239 --> 01:33:45.520
<v Speaker 18>at all at this point?

1733
01:33:46.079 --> 01:33:49.640
<v Speaker 2>If he did more than fifteen, you do, I mean,

1734
01:33:50.600 --> 01:33:54.119
<v Speaker 2>I mean yeah, I mean even if a guy's a jerk,

1735
01:33:54.199 --> 01:33:56.479
<v Speaker 2>I mean, unless he doesn't come after it. You know

1736
01:33:56.520 --> 01:34:00.000
<v Speaker 2>what I'm saying. You're you're claiming he breached the contract.

1737
01:34:00.359 --> 01:34:02.399
<v Speaker 2>So you may here, let me explain this to you.

1738
01:34:03.119 --> 01:34:08.279
<v Speaker 2>Let's just say he did twenty thousand worth of work

1739
01:34:08.279 --> 01:34:12.960
<v Speaker 2>and you paid fifteen, but to get it completed, it's

1740
01:34:12.960 --> 01:34:16.800
<v Speaker 2>going to cost forty I mean, what I'm saying is this,

1741
01:34:17.640 --> 01:34:23.079
<v Speaker 2>If you go by the original specs, you can figure

1742
01:34:23.119 --> 01:34:28.479
<v Speaker 2>your losses by how much more than the original contract

1743
01:34:28.680 --> 01:34:32.359
<v Speaker 2>that not cost you. In other words, you could say,

1744
01:34:33.079 --> 01:34:36.279
<v Speaker 2>I signed for this for thirty grand. That's if it

1745
01:34:36.399 --> 01:34:40.960
<v Speaker 2>was reasonable and realistic. I signed this contract for thirty grand,

1746
01:34:41.359 --> 01:34:45.239
<v Speaker 2>and here's the specifications. Now it's going to cost me

1747
01:34:45.439 --> 01:34:50.039
<v Speaker 2>forty grand. You could make that a loss. Now, this

1748
01:34:50.119 --> 01:34:53.640
<v Speaker 2>guy could fight it saying or you know, could fight

1749
01:34:53.680 --> 01:34:55.960
<v Speaker 2>it saying the new guys are doing way more than

1750
01:34:56.000 --> 01:34:59.159
<v Speaker 2>I was doing whatever. But that's one way of calculating

1751
01:34:59.199 --> 01:35:02.960
<v Speaker 2>a loss. Another way is to see how much work

1752
01:35:03.079 --> 01:35:07.600
<v Speaker 2>was done and what you paid. And let's say there

1753
01:35:07.680 --> 01:35:09.920
<v Speaker 2>was ten thousand dollars worth of work done and you

1754
01:35:10.000 --> 01:35:13.359
<v Speaker 2>paid fifteen, or the other way around. You may owe

1755
01:35:13.439 --> 01:35:16.279
<v Speaker 2>him money. So there's really a few ways of looking

1756
01:35:16.319 --> 01:35:20.600
<v Speaker 2>at it. But here's the danger in seeing how much

1757
01:35:20.640 --> 01:35:24.199
<v Speaker 2>more than the original contract it will cost, because you

1758
01:35:24.279 --> 01:35:28.079
<v Speaker 2>have to prove the original contract was reasonable to begin

1759
01:35:28.159 --> 01:35:31.600
<v Speaker 2>with and he didn't underbid it, And then you have

1760
01:35:31.760 --> 01:35:35.359
<v Speaker 2>to prove that the new guy's not doing more than

1761
01:35:35.560 --> 01:35:39.399
<v Speaker 2>he would have done. So it's easier to just pay

1762
01:35:39.479 --> 01:35:42.640
<v Speaker 2>for what was done, cut your losses and hire someone

1763
01:35:42.680 --> 01:35:48.439
<v Speaker 2>else that's easier. Do you know how much was done?

1764
01:35:50.199 --> 01:35:54.840
<v Speaker 18>Well, he's currently offering a total of four thousand dollars off,

1765
01:35:54.880 --> 01:35:57.279
<v Speaker 18>but I'm sure it's going to it would definitely cost

1766
01:35:57.319 --> 01:35:57.720
<v Speaker 18>more in.

1767
01:35:57.760 --> 01:36:02.560
<v Speaker 2>That thousand dollars off the thirty Well, no, no, no, you

1768
01:36:02.640 --> 01:36:04.520
<v Speaker 2>got to get someone out there to look at it. Bro.

1769
01:36:04.600 --> 01:36:07.640
<v Speaker 2>You need to get someone to evaluate it with the

1770
01:36:07.720 --> 01:36:10.800
<v Speaker 2>same original contract and then see what it will cost

1771
01:36:10.800 --> 01:36:13.960
<v Speaker 2>to finish to those specs. I'm Tom Martino.

1772
01:36:16.319 --> 01:36:24.079
<v Speaker 1>Yeah, rip, tough, bad news.

1773
01:36:24.520 --> 01:36:26.560
<v Speaker 4>You need advice, so you don't have the.

1774
01:36:28.560 --> 01:36:32.039
<v Speaker 3>Come run in just as fast as we can show.

1775
01:36:32.239 --> 01:36:35.159
<v Speaker 4>Shooter's gonna help coming man.

1776
01:36:35.760 --> 01:36:37.880
<v Speaker 5>This is the Troubleshooter Show.

1777
01:36:38.520 --> 01:36:43.159
<v Speaker 2>No Tom Martino. Hey, I'm Tom Martino, your troubleshooter three

1778
01:36:43.239 --> 01:36:47.000
<v Speaker 2>all three seven one three talk three all three seven

1779
01:36:47.039 --> 01:36:49.720
<v Speaker 2>one three eight two five five. Bob Logans with me

1780
01:36:49.760 --> 01:36:52.920
<v Speaker 2>from Plumbline Services. We got an hour to go and

1781
01:36:52.960 --> 01:36:57.039
<v Speaker 2>then tomorrow we're gonna have some very important discussions on

1782
01:36:57.199 --> 01:37:00.439
<v Speaker 2>anything near and dear to your heart and pocketbook. So

1783
01:37:00.680 --> 01:37:03.000
<v Speaker 2>what you Yes, we will have a live show tomorrow,

1784
01:37:03.079 --> 01:37:07.159
<v Speaker 2>so please join us and I have some special guests

1785
01:37:07.199 --> 01:37:09.479
<v Speaker 2>coming on that you're gonna want to know about So

1786
01:37:10.159 --> 01:37:14.119
<v Speaker 2>let's talk to Bob Logan. I got some text.

1787
01:37:13.840 --> 01:37:15.760
<v Speaker 6>Here speaking of special guests.

1788
01:37:15.960 --> 01:37:21.119
<v Speaker 2>Yes, plumb Line services. Do you I don't know what

1789
01:37:21.159 --> 01:37:24.000
<v Speaker 2>this means. Do you have flat rate pricing? We do.

1790
01:37:24.039 --> 01:37:25.560
<v Speaker 6>We do have flat rate pricing.

1791
01:37:25.319 --> 01:37:27.159
<v Speaker 2>Okay, so tell tell us how that works.

1792
01:37:27.479 --> 01:37:31.239
<v Speaker 6>So for let's just say, ninety percent of everything that

1793
01:37:31.239 --> 01:37:35.359
<v Speaker 6>we do in your home, whether it's a disposal, a

1794
01:37:35.399 --> 01:37:39.920
<v Speaker 6>capacitor for your furnace, whatever, whatever you need, we we

1795
01:37:39.960 --> 01:37:43.199
<v Speaker 6>give you a price based on the labor, the parts,

1796
01:37:43.239 --> 01:37:46.159
<v Speaker 6>the warranties. Everything is all built, okay, so it's not

1797
01:37:46.279 --> 01:37:50.359
<v Speaker 6>time and materials. So before before we do anything in

1798
01:37:50.359 --> 01:37:52.039
<v Speaker 6>your home, we're gonna give you some options. We're gonna

1799
01:37:52.039 --> 01:37:55.039
<v Speaker 6>give you flat rate pricing, and then it doesn't matter.

1800
01:37:55.560 --> 01:37:58.399
<v Speaker 6>Let's say on average, it takes two hours to do

1801
01:37:58.439 --> 01:38:00.960
<v Speaker 6>that job. If it goes three hour, we're not going

1802
01:38:01.000 --> 01:38:02.960
<v Speaker 6>to come back and ask you for more money, okay,

1803
01:38:03.039 --> 01:38:05.680
<v Speaker 6>But if it takes less, you get. Yeah, Sometimes it

1804
01:38:05.720 --> 01:38:09.760
<v Speaker 6>takes less, sometimes it takes more. But that way it's

1805
01:38:09.840 --> 01:38:11.880
<v Speaker 6>the most fair way to do business. It doesn't matter

1806
01:38:11.920 --> 01:38:14.439
<v Speaker 6>where you live, how old you are, if your male

1807
01:38:14.520 --> 01:38:18.560
<v Speaker 6>or female, everybody gets the same price. For everything that

1808
01:38:18.600 --> 01:38:18.920
<v Speaker 6>we do.

1809
01:38:19.640 --> 01:38:27.479
<v Speaker 2>All right, Now we have another text on another topic here.

1810
01:38:28.079 --> 01:38:33.079
<v Speaker 2>I have a question about annuities. We don't have millions

1811
01:38:33.119 --> 01:38:36.039
<v Speaker 2>to invest, but we are diversified pretty well. We own

1812
01:38:36.119 --> 01:38:40.560
<v Speaker 2>a fourplex and we only owe this much on that,

1813
01:38:40.880 --> 01:38:45.239
<v Speaker 2>and we get over this much in rentals. We have

1814
01:38:46.399 --> 01:38:49.520
<v Speaker 2>three hundred K and cash we want to invest about

1815
01:38:49.520 --> 01:38:53.560
<v Speaker 2>two hundred Why would we do an annuity over investing

1816
01:38:54.159 --> 01:38:58.199
<v Speaker 2>in your brokerage we have. I don't have a brokerage.

1817
01:38:58.199 --> 01:39:01.039
<v Speaker 2>What I have is an investment. If you don't invest

1818
01:39:01.119 --> 01:39:03.720
<v Speaker 2>with us, do you invest with Schwaben. We advise you.

1819
01:39:03.800 --> 01:39:07.119
<v Speaker 2>But anyway, we're in our mid fifties. Husband will be

1820
01:39:07.239 --> 01:39:10.239
<v Speaker 2>fully invested in pair in two point five years. That's good,

1821
01:39:10.720 --> 01:39:13.560
<v Speaker 2>and he will lose half the money we pay when

1822
01:39:13.600 --> 01:39:16.760
<v Speaker 2>he retires, the half of his monthly pay when we retire.

1823
01:39:16.800 --> 01:39:19.960
<v Speaker 2>So annuities look great. Yeah, annuities are good. So if

1824
01:39:19.960 --> 01:39:23.079
<v Speaker 2>you are like, if you are that age, just do

1825
01:39:23.159 --> 01:39:25.199
<v Speaker 2>the math. I mean, here's the thing. If you're in

1826
01:39:25.239 --> 01:39:28.840
<v Speaker 2>your late fifties, what is your time horizon? If you

1827
01:39:28.880 --> 01:39:31.000
<v Speaker 2>want to take some money in a lump sum and

1828
01:39:31.000 --> 01:39:35.000
<v Speaker 2>put it into an annuity and you can predict when

1829
01:39:35.000 --> 01:39:37.880
<v Speaker 2>you're going to take it, you'll have a definite guarantee

1830
01:39:37.920 --> 01:39:40.840
<v Speaker 2>of income. So there's nothing wrong with that. Now, can

1831
01:39:40.880 --> 01:39:43.520
<v Speaker 2>you make more money doing other things, Yes you can,

1832
01:39:43.600 --> 01:39:47.439
<v Speaker 2>but there is some risks to it. Nothing is ever guaranteed,

1833
01:39:47.479 --> 01:39:50.600
<v Speaker 2>except annuities are guaranteed. Now, when I say they're guaranteed,

1834
01:39:50.640 --> 01:39:53.920
<v Speaker 2>they're guaranteed by companies. So technically a company could go

1835
01:39:53.920 --> 01:39:56.880
<v Speaker 2>out of business, but it hasn't really happened in the

1836
01:39:56.880 --> 01:40:01.920
<v Speaker 2>annuity business except for in recent time maybe once. But

1837
01:40:02.039 --> 01:40:07.800
<v Speaker 2>then there are certain coverages you get for that, not

1838
01:40:08.039 --> 01:40:11.439
<v Speaker 2>full one hundred percent. But here's the bottom line. If

1839
01:40:11.840 --> 01:40:14.239
<v Speaker 2>you have three hundred K and you want to invest

1840
01:40:14.279 --> 01:40:16.680
<v Speaker 2>two hundred, it's a good idea that you have that

1841
01:40:16.840 --> 01:40:19.760
<v Speaker 2>hundred you keep, and then if you want to invest

1842
01:40:19.760 --> 01:40:21.920
<v Speaker 2>the two hundred, just do the math on what that

1843
01:40:21.960 --> 01:40:24.880
<v Speaker 2>two hundred will return you. You can always do some

1844
01:40:24.960 --> 01:40:29.239
<v Speaker 2>conventional safe investing and then convert it or do even

1845
01:40:29.279 --> 01:40:32.960
<v Speaker 2>an instant conversion. When you do an annuity, there's just

1846
01:40:33.079 --> 01:40:37.479
<v Speaker 2>no two ways about it. It's a guaranteed, safe product.

1847
01:40:37.880 --> 01:40:42.960
<v Speaker 2>But also you are exchanging a certain amount of liquidity

1848
01:40:43.159 --> 01:40:49.199
<v Speaker 2>along with upside potential because you're not going to participate

1849
01:40:49.800 --> 01:40:54.199
<v Speaker 2>in the full market gains. Okay, so it's really math,

1850
01:40:55.119 --> 01:40:59.039
<v Speaker 2>you know. I mean, people have different opinions. But as

1851
01:40:59.079 --> 01:41:01.279
<v Speaker 2>I said, nothing is all good or all bad. So

1852
01:41:01.720 --> 01:41:03.520
<v Speaker 2>it just has to do with the math. And I

1853
01:41:03.560 --> 01:41:06.560
<v Speaker 2>hope you're still listening because you sent me that in

1854
01:41:06.600 --> 01:41:09.560
<v Speaker 2>the first hour. But anyway, I'll try to answer you

1855
01:41:09.640 --> 01:41:14.399
<v Speaker 2>by by text. Another one for plumb Line services, and

1856
01:41:14.439 --> 01:41:21.000
<v Speaker 2>that is garbage disposals. Why do people hire you guys

1857
01:41:21.000 --> 01:41:23.640
<v Speaker 2>to do garbage disposals when I can go to they

1858
01:41:23.680 --> 01:41:26.079
<v Speaker 2>want to know the advantage. They're not challenging you. I

1859
01:41:26.079 --> 01:41:27.600
<v Speaker 2>can go to home deep own and buy one and

1860
01:41:28.239 --> 01:41:31.600
<v Speaker 2>have it. Put in question, what do you think? I

1861
01:41:31.600 --> 01:41:34.880
<v Speaker 2>don't think garbage disposals, in my opinion, are critical. I

1862
01:41:34.920 --> 01:41:37.279
<v Speaker 2>don't know what do you think, Bob. If you have

1863
01:41:37.319 --> 01:41:38.560
<v Speaker 2>one there and you want to go buy a new

1864
01:41:38.600 --> 01:41:40.720
<v Speaker 2>one and put it in, a homeowner can do that,

1865
01:41:40.760 --> 01:41:41.640
<v Speaker 2>don't you think.

1866
01:41:41.640 --> 01:41:44.600
<v Speaker 6>Well, yeah, someone who's pretty handycanned.

1867
01:41:44.720 --> 01:41:47.399
<v Speaker 2>Yeah, you're right, you're right. The pain in the ass

1868
01:41:47.399 --> 01:41:49.800
<v Speaker 2>with a garbage disposal is holding it up and bolting

1869
01:41:49.840 --> 01:41:50.119
<v Speaker 2>it in.

1870
01:41:51.600 --> 01:41:52.680
<v Speaker 6>You know, there's a lot of things.

1871
01:41:52.800 --> 01:41:53.439
<v Speaker 2>One man job.

1872
01:41:54.159 --> 01:41:57.640
<v Speaker 6>Here's the thing. I don't know what percentage it is

1873
01:41:57.680 --> 01:42:01.279
<v Speaker 6>but yeah, a large number of calls we get is

1874
01:42:01.319 --> 01:42:03.920
<v Speaker 6>because a homeowner attempted to do something. Yeah, and then

1875
01:42:03.960 --> 01:42:06.079
<v Speaker 6>they call us because they messed it up right, and

1876
01:42:06.079 --> 01:42:07.640
<v Speaker 6>then it ends up costing them twice.

1877
01:42:07.439 --> 01:42:08.479
<v Speaker 2>As much to fix it.

1878
01:42:08.600 --> 01:42:12.880
<v Speaker 6>So it can happen if you're qualified, if you're handy, Mark,

1879
01:42:13.199 --> 01:42:15.119
<v Speaker 6>there are some things you can certainly do on your own.

1880
01:42:15.199 --> 01:42:16.840
<v Speaker 5>Yeah, I've done my own disposal.

1881
01:42:17.359 --> 01:42:18.119
<v Speaker 2>I've done mine.

1882
01:42:18.279 --> 01:42:19.239
<v Speaker 5>I wouldn't do it again.

1883
01:42:20.479 --> 01:42:23.439
<v Speaker 2>The pain in the ass that I found is getting

1884
01:42:23.439 --> 01:42:26.560
<v Speaker 2>that big thing that's heavy and holding it up while

1885
01:42:26.600 --> 01:42:30.039
<v Speaker 2>you're trying to screw that collar. Yep, tight. Now, I'll

1886
01:42:30.039 --> 01:42:30.319
<v Speaker 2>tell you.

1887
01:42:30.359 --> 01:42:33.119
<v Speaker 5>The other thing I never would have tried is if

1888
01:42:33.159 --> 01:42:36.640
<v Speaker 5>there wasn't one pre existing, that would be insane.

1889
01:42:37.159 --> 01:42:40.000
<v Speaker 2>Yeah. Yeah, I've done that only once, but in the

1890
01:42:40.000 --> 01:42:42.199
<v Speaker 2>pre existing one. I did come up with a little

1891
01:42:42.640 --> 01:42:43.560
<v Speaker 2>For my second one.

1892
01:42:43.560 --> 01:42:45.720
<v Speaker 6>I did, and if it leaks, you know, no, I

1893
01:42:45.920 --> 01:42:49.079
<v Speaker 6>mean I again, A lot of times people attempt these

1894
01:42:49.119 --> 01:42:50.640
<v Speaker 6>things and then it ends up leaking, and now they

1895
01:42:50.640 --> 01:42:51.359
<v Speaker 6>got hard.

1896
01:42:51.520 --> 01:42:53.720
<v Speaker 2>Look, and I'm not recommending people do things, but we

1897
01:42:53.800 --> 01:42:54.399
<v Speaker 2>all try.

1898
01:42:54.760 --> 01:42:57.520
<v Speaker 5>Now, did either of you ever do your own garage

1899
01:42:58.439 --> 01:43:01.000
<v Speaker 5>door opener? I did one for I'm scratch and it

1900
01:43:01.199 --> 01:43:03.439
<v Speaker 5>was like four days.

1901
01:43:04.640 --> 01:43:07.359
<v Speaker 2>You know, they are harder than they look, man, especially

1902
01:43:07.399 --> 01:43:11.159
<v Speaker 2>if there's not one there. Oh yeah yeah yeah, well.

1903
01:43:11.079 --> 01:43:14.079
<v Speaker 14>Not only that, but that spring could be deadly. Yeah,

1904
01:43:14.119 --> 01:43:16.159
<v Speaker 14>there are lots of people got killed by the garage

1905
01:43:16.199 --> 01:43:16.760
<v Speaker 14>door springs.

1906
01:43:16.840 --> 01:43:18.479
<v Speaker 2>Well yeah, but you don't have to mess with the

1907
01:43:18.520 --> 01:43:19.560
<v Speaker 2>spring to do an opener.

1908
01:43:20.399 --> 01:43:21.119
<v Speaker 5>No I didn't.

1909
01:43:21.640 --> 01:43:25.359
<v Speaker 2>Yeah, it's already there to install a garage door. You would,

1910
01:43:25.520 --> 01:43:30.159
<v Speaker 2>that would. That's where it gets crazy, James, welcome. What's

1911
01:43:30.159 --> 01:43:30.720
<v Speaker 2>going on? Man?

1912
01:43:32.600 --> 01:43:36.239
<v Speaker 8>Hey? Tom, this is the third call I've called you.

1913
01:43:36.520 --> 01:43:39.479
<v Speaker 8>It's the Workshop of State.

1914
01:43:40.279 --> 01:43:40.439
<v Speaker 3>Fan.

1915
01:43:40.680 --> 01:43:41.680
<v Speaker 8>Does that sound familiar?

1916
01:43:41.960 --> 01:43:43.560
<v Speaker 2>Hold on, let me let me look it up. What

1917
01:43:43.600 --> 01:43:43.920
<v Speaker 2>did you?

1918
01:43:44.079 --> 01:43:44.319
<v Speaker 3>Uh?

1919
01:43:44.800 --> 01:43:46.600
<v Speaker 2>What did you call him?

1920
01:43:46.960 --> 01:43:50.159
<v Speaker 8>Okay, so the gist of it is, Workshop of State

1921
01:43:50.359 --> 01:43:52.239
<v Speaker 8>built a house next to me.

1922
01:43:52.680 --> 01:43:56.680
<v Speaker 2>See I don't work Oh yeah yeah yeah, yeah, no, no, no, no,

1923
01:43:56.920 --> 01:43:59.880
<v Speaker 2>you didn't mention the contractor last time, but I remember

1924
01:44:00.079 --> 01:44:00.560
<v Speaker 2>yeah wait.

1925
01:44:00.439 --> 01:44:01.000
<v Speaker 21>Wait I did.

1926
01:44:01.079 --> 01:44:04.439
<v Speaker 8>Man, So you guys you had Cali get the phone

1927
01:44:04.479 --> 01:44:05.920
<v Speaker 8>number from a guy that I had.

1928
01:44:06.960 --> 01:44:10.359
<v Speaker 2>Okay, I might be confusing it. Never mind, there was

1929
01:44:10.399 --> 01:44:13.439
<v Speaker 2>one the other day where the contractor killed his treat

1930
01:44:13.560 --> 01:44:16.039
<v Speaker 2>I'm sorry that that triggered my memory the wrong way.

1931
01:44:16.159 --> 01:44:18.439
<v Speaker 2>So it was how long ago did you call? Man?

1932
01:44:19.640 --> 01:44:21.600
<v Speaker 8>Oh man, it's then about a month or so. Now

1933
01:44:21.600 --> 01:44:23.079
<v Speaker 8>it's killing ongoing.

1934
01:44:22.960 --> 01:44:24.680
<v Speaker 2>Anyway, tell us about it? What's going on?

1935
01:44:24.760 --> 01:44:24.920
<v Speaker 3>Now?

1936
01:44:25.319 --> 01:44:26.479
<v Speaker 2>What's going on now? Man?

1937
01:44:27.760 --> 01:44:30.920
<v Speaker 8>So you had Cali. She she got a number from

1938
01:44:30.920 --> 01:44:33.560
<v Speaker 8>me last time for somebody from workshop estate.

1939
01:44:33.840 --> 01:44:35.399
<v Speaker 5>I've never heard of that name before.

1940
01:44:35.479 --> 01:44:36.319
<v Speaker 2>Now neither have I.

1941
01:44:36.560 --> 01:44:39.079
<v Speaker 8>That's the thing that they said that they had never

1942
01:44:39.159 --> 01:44:42.319
<v Speaker 8>talked to me. I have a text message conversation back

1943
01:44:42.359 --> 01:44:44.640
<v Speaker 8>and forth, so I'm saying that they're kind of lying.

1944
01:44:45.760 --> 01:44:47.039
<v Speaker 8>You guys got them on the line.

1945
01:44:47.600 --> 01:44:50.680
<v Speaker 2>They got I usually never forget a name.

1946
01:44:50.880 --> 01:44:53.720
<v Speaker 8>The owner. He said he would take care of it,

1947
01:44:53.760 --> 01:44:55.680
<v Speaker 8>and now he's not answering or responding.

1948
01:44:55.800 --> 01:45:02.279
<v Speaker 2>Kelly, do you recall this? Kelly put down the mimosa?

1949
01:45:02.399 --> 01:45:08.239
<v Speaker 2>Did you do you recall this? I do. The gentleman

1950
01:45:08.399 --> 01:45:11.920
<v Speaker 2>said that he had never met James. Okay, you do

1951
01:45:12.079 --> 01:45:15.520
<v Speaker 2>remember this? And it kind of just died off from there.

1952
01:45:15.560 --> 01:45:19.039
<v Speaker 2>So I don't know if there's a new thing that's occurring.

1953
01:45:19.079 --> 01:45:21.039
<v Speaker 2>It was about a month ago. It was about a

1954
01:45:21.039 --> 01:45:25.479
<v Speaker 2>month ago. Yeah, thank you, Okay, Well that's cool, man.

1955
01:45:25.520 --> 01:45:29.000
<v Speaker 2>I'm glad she remembers it. Anyway, So please just said

1956
01:45:29.039 --> 01:45:31.319
<v Speaker 2>he do you have anything to prove that you did

1957
01:45:31.359 --> 01:45:35.119
<v Speaker 2>business with these people, or that that you talk to

1958
01:45:35.199 --> 01:45:37.279
<v Speaker 2>him or anything like. They were built to have.

1959
01:45:37.359 --> 01:45:40.600
<v Speaker 8>Text message conversations going back and forth from the first guy,

1960
01:45:40.760 --> 01:45:41.560
<v Speaker 8>can you send.

1961
01:45:41.439 --> 01:45:43.359
<v Speaker 2>Us some of those, This guy said he.

1962
01:45:43.359 --> 01:45:45.800
<v Speaker 8>Never heard of you, and then he's just not helping

1963
01:45:45.880 --> 01:45:46.159
<v Speaker 8>at all.

1964
01:45:46.439 --> 01:45:51.039
<v Speaker 2>This guy never heard of you, He said, what was that?

1965
01:45:51.560 --> 01:45:54.520
<v Speaker 2>This guy said he never heard of you, right to Kelly.

1966
01:45:54.640 --> 01:45:56.680
<v Speaker 8>Yeah, So the first guy said he never heard of me,

1967
01:45:56.720 --> 01:45:58.560
<v Speaker 8>and I talked to him right in front of my house.

1968
01:45:59.319 --> 01:46:01.399
<v Speaker 8>They tried to get me like an Amazon card, which

1969
01:46:01.399 --> 01:46:04.439
<v Speaker 8>I immediately gave back and told him all I want

1970
01:46:04.520 --> 01:46:07.479
<v Speaker 8>is my stuff ficks, That's all I want. So he's

1971
01:46:07.520 --> 01:46:09.159
<v Speaker 8>the one who said the first guy I talked to,

1972
01:46:09.359 --> 01:46:11.039
<v Speaker 8>he said he didn't never heard of me, or talk

1973
01:46:11.079 --> 01:46:14.840
<v Speaker 8>to me again. I have a text message conversation conversations

1974
01:46:14.880 --> 01:46:18.800
<v Speaker 8>saying otherwise. I get this other guy that says he's

1975
01:46:18.840 --> 01:46:22.279
<v Speaker 8>the owner of workshop Estates. So that was the last

1976
01:46:22.279 --> 01:46:24.520
<v Speaker 8>time you guys got us in touch with somebody that

1977
01:46:24.600 --> 01:46:28.079
<v Speaker 8>said he's the owner. I have a text message conversation

1978
01:46:28.199 --> 01:46:31.079
<v Speaker 8>with him saying he's trying to come check it. And

1979
01:46:31.119 --> 01:46:33.920
<v Speaker 8>then I tried he said he was in the hospital

1980
01:46:34.039 --> 01:46:36.279
<v Speaker 8>or something. So I was trying to like just be nice.

1981
01:46:36.920 --> 01:46:38.720
<v Speaker 8>I reached out like a week later, and he just

1982
01:46:38.760 --> 01:46:39.600
<v Speaker 8>stopped responding.

1983
01:46:40.079 --> 01:46:43.960
<v Speaker 2>All right, send us the uh do you have some

1984
01:46:44.000 --> 01:46:46.600
<v Speaker 2>screenshots of the text you can take or something that

1985
01:46:46.640 --> 01:46:49.399
<v Speaker 2>we can see. So, Kelly, when you call the guy,

1986
01:46:49.439 --> 01:46:52.000
<v Speaker 2>the guy said, I don't even know who this James is. Right,

1987
01:46:52.079 --> 01:46:57.800
<v Speaker 2>he just denied all knowledge of him all together, right, correct, Yes,

1988
01:46:57.880 --> 01:47:03.239
<v Speaker 2>that is exactly what he said. Gosh, and James, what

1989
01:47:03.279 --> 01:47:03.960
<v Speaker 2>were they doing?

1990
01:47:04.000 --> 01:47:06.279
<v Speaker 8>Was like, well, what were they doing? I'm just good

1991
01:47:06.279 --> 01:47:07.600
<v Speaker 8>at guessing phone numbers?

1992
01:47:07.760 --> 01:47:09.520
<v Speaker 2>What were they doing next door? James?

1993
01:47:10.520 --> 01:47:12.520
<v Speaker 8>They built a house. They knocked a house down, and

1994
01:47:12.600 --> 01:47:13.840
<v Speaker 8>that's when they damaged it.

1995
01:47:15.039 --> 01:47:17.159
<v Speaker 2>Okay, And how old was the fence?

1996
01:47:18.880 --> 01:47:20.960
<v Speaker 8>My god, so it seems it'd be more of a

1997
01:47:20.960 --> 01:47:23.239
<v Speaker 8>sentimental thing because my grandpa put it up. So I mean,

1998
01:47:23.279 --> 01:47:24.840
<v Speaker 8>it's like thirty plus years old.

1999
01:47:25.119 --> 01:47:26.680
<v Speaker 2>And what kind of a fence.

2000
01:47:27.239 --> 01:47:29.640
<v Speaker 8>So it's I want to say, it's four feet chain link,

2001
01:47:29.720 --> 01:47:32.880
<v Speaker 8>but it's embedded in concrete at the bottom all the way.

2002
01:47:32.720 --> 01:47:34.840
<v Speaker 2>Around, so it was chain link. And even though it

2003
01:47:34.880 --> 01:47:40.399
<v Speaker 2>was that old, there was nothing wrong with it, no, sir, Okay,

2004
01:47:40.560 --> 01:47:43.800
<v Speaker 2>Well that's what counts. I mean, it doesn't matter how

2005
01:47:43.840 --> 01:47:46.199
<v Speaker 2>old it was. It was a chain length. And how

2006
01:47:46.239 --> 01:47:48.439
<v Speaker 2>did they destroy the whole thing or part of it?

2007
01:47:49.359 --> 01:47:52.199
<v Speaker 8>So first off, that was the first part I noticed.

2008
01:47:52.359 --> 01:47:54.560
<v Speaker 8>Was they put like a when they were tearing it down,

2009
01:47:54.640 --> 01:47:56.359
<v Speaker 8>they put like a I want to say.

2010
01:47:56.239 --> 01:47:58.319
<v Speaker 2>Like a wait wait wait they tore down Oh, when

2011
01:47:58.359 --> 01:48:00.680
<v Speaker 2>they were tearing down the house, I mean yes, so

2012
01:48:00.720 --> 01:48:01.359
<v Speaker 2>they put.

2013
01:48:01.159 --> 01:48:03.239
<v Speaker 8>Like a three foot hole into it and it's like

2014
01:48:03.359 --> 01:48:05.039
<v Speaker 8>coming in. I took pictures of all this.

2015
01:48:06.000 --> 01:48:07.720
<v Speaker 2>Did you send us the pictures?

2016
01:48:08.279 --> 01:48:09.960
<v Speaker 8>I have not you guys didn't ask for them.

2017
01:48:09.960 --> 01:48:11.479
<v Speaker 2>I don't believe all right, I here's what I want

2018
01:48:11.800 --> 01:48:14.199
<v Speaker 2>right now, send us a couple of screenshots of the

2019
01:48:14.199 --> 01:48:16.880
<v Speaker 2>text and a picture of that fence, and we'll be

2020
01:48:16.920 --> 01:48:20.199
<v Speaker 2>happy to revisit this. I'm so sorry I haven't recalled this.

2021
01:48:20.399 --> 01:48:23.079
<v Speaker 2>But anyway, what was the what's the latest on this?

2022
01:48:23.239 --> 01:48:25.159
<v Speaker 2>Or did you just call to find out if we

2023
01:48:25.279 --> 01:48:26.319
<v Speaker 2>heard anything back?

2024
01:48:26.800 --> 01:48:28.960
<v Speaker 8>I just called to see what I should do now,

2025
01:48:29.039 --> 01:48:31.479
<v Speaker 8>if I should go take them to court? And if so,

2026
01:48:31.560 --> 01:48:31.920
<v Speaker 8>would it.

2027
01:48:31.840 --> 01:48:33.920
<v Speaker 2>Be how much will it cost to building? How much

2028
01:48:33.920 --> 01:48:36.119
<v Speaker 2>will it cost to fix James that section?

2029
01:48:37.399 --> 01:48:39.800
<v Speaker 8>I don't couldn't tell you. It's more of a matter

2030
01:48:39.880 --> 01:48:41.680
<v Speaker 8>of them just tearing it up and leaving it. At

2031
01:48:41.680 --> 01:48:44.159
<v Speaker 8>this point, it's probably not even super expensive, to be honest.

2032
01:48:44.199 --> 01:48:47.600
<v Speaker 2>But well, when you got seventy five dollars limit in

2033
01:48:47.640 --> 01:48:49.880
<v Speaker 2>small claims court, and small claims court would be the

2034
01:48:49.880 --> 01:48:52.000
<v Speaker 2>one you would do. But you wouldn't sue the builder.

2035
01:48:52.039 --> 01:48:53.199
<v Speaker 2>You would sue the homeowner.

2036
01:48:54.039 --> 01:48:54.479
<v Speaker 8>Copy that.

2037
01:48:54.880 --> 01:48:58.079
<v Speaker 2>Okay, that was the homeowners. Your next door neighbor hired

2038
01:48:58.119 --> 01:48:59.720
<v Speaker 2>the contractor. Isn't that correct?

2039
01:49:02.479 --> 01:49:04.439
<v Speaker 8>The owner at the time. I would assume that's who

2040
01:49:04.439 --> 01:49:06.880
<v Speaker 8>you told me to send the initial letter to. That

2041
01:49:07.399 --> 01:49:08.760
<v Speaker 8>started with sending them a letter.

2042
01:49:08.840 --> 01:49:10.680
<v Speaker 2>Yeah, yeah, And what did they do?

2043
01:49:11.800 --> 01:49:14.279
<v Speaker 8>They did? That's when I met that guy that said

2044
01:49:14.319 --> 01:49:16.079
<v Speaker 8>he never heard of me. He came up and he

2045
01:49:16.239 --> 01:49:18.479
<v Speaker 8>tried to give me a fifty dollars Amazon gift card.

2046
01:49:19.600 --> 01:49:21.720
<v Speaker 2>Now, what about the owner of the house. Is it

2047
01:49:21.720 --> 01:49:23.560
<v Speaker 2>the same owner or there's a new owner or what?

2048
01:49:23.640 --> 01:49:25.720
<v Speaker 8>Well, it's a different name. I believe, so the owner

2049
01:49:25.800 --> 01:49:29.000
<v Speaker 8>I have on that. I looked up online on the

2050
01:49:29.000 --> 01:49:32.119
<v Speaker 8>city information it's ETD properties.

2051
01:49:33.119 --> 01:49:35.760
<v Speaker 2>Oh so they were probably building it on spec and

2052
01:49:35.800 --> 01:49:36.520
<v Speaker 2>then sold it.

2053
01:49:38.079 --> 01:49:38.760
<v Speaker 8>I couldn't tell you.

2054
01:49:38.840 --> 01:49:41.439
<v Speaker 2>I don't even know you need Okay, who owned the

2055
01:49:41.439 --> 01:49:43.720
<v Speaker 2>house at the time they destroyed your thing. Who did it?

2056
01:49:43.760 --> 01:49:45.199
<v Speaker 2>Who owned it?

2057
01:49:45.239 --> 01:49:46.520
<v Speaker 21>Needs to be properties.

2058
01:49:46.640 --> 01:49:50.319
<v Speaker 2>Okay, so they're the builder, that's who you go after. Okay,

2059
01:49:50.640 --> 01:49:53.319
<v Speaker 2>you go up to that builder in small claims court Mark.

2060
01:49:53.640 --> 01:49:55.560
<v Speaker 2>He has to look that up on the Secretary of State,

2061
01:49:55.600 --> 01:49:56.600
<v Speaker 2>get a regist agent.

2062
01:49:57.159 --> 01:50:00.520
<v Speaker 5>Yeah, and then sue them in the county they're in.

2063
01:50:00.520 --> 01:50:02.520
<v Speaker 2>In the county the house was in Mark, or that

2064
01:50:02.520 --> 01:50:03.720
<v Speaker 2>the builder's in.

2065
01:50:05.199 --> 01:50:07.560
<v Speaker 5>I would probably do it where the builder was, to

2066
01:50:07.640 --> 01:50:08.840
<v Speaker 5>make it simple.

2067
01:50:09.079 --> 01:50:12.159
<v Speaker 2>Or the developer whatever he is, whatever that is. They

2068
01:50:12.159 --> 01:50:15.520
<v Speaker 2>were the owners at the time they hired the contractor.

2069
01:50:15.760 --> 01:50:19.640
<v Speaker 2>They're responsible for their property and people they hire. Now,

2070
01:50:19.680 --> 01:50:24.199
<v Speaker 2>obviously you could go after the actual you know, contractor too.

2071
01:50:24.359 --> 01:50:27.560
<v Speaker 2>You can do both, but I wouldn't you better not

2072
01:50:27.640 --> 01:50:30.520
<v Speaker 2>wait too long. I would do it right away and

2073
01:50:30.560 --> 01:50:31.720
<v Speaker 2>then you're gonna probably.

2074
01:50:31.439 --> 01:50:33.560
<v Speaker 8>Get it right here. And I'm trying with that. Everybody

2075
01:50:33.640 --> 01:50:35.920
<v Speaker 8>keeps telling them, like, it's not you. I appreciate your help,

2076
01:50:35.920 --> 01:50:37.840
<v Speaker 8>but you guys got me in touch with him. He's like, oh,

2077
01:50:38.000 --> 01:50:40.479
<v Speaker 8>just hang on, just like killing more time. And now

2078
01:50:40.520 --> 01:50:41.800
<v Speaker 8>he's not he's just ignoring.

2079
01:50:41.840 --> 01:50:44.880
<v Speaker 2>Now, that's why if you serve him, he's not going

2080
01:50:44.920 --> 01:50:45.800
<v Speaker 2>to ignore.

2081
01:50:45.479 --> 01:50:49.640
<v Speaker 8>You, okay, And just so we're clear, I go after

2082
01:50:49.800 --> 01:50:52.399
<v Speaker 8>Workshop of States, not be TV properties.

2083
01:50:53.079 --> 01:50:58.880
<v Speaker 2>Okay, I'd do both. Workshop of States is the actual contractor, right, yes, sir,

2084
01:50:59.640 --> 01:51:02.399
<v Speaker 2>I would both. Mark, would you do both?

2085
01:51:03.760 --> 01:51:03.920
<v Speaker 18>Hell?

2086
01:51:04.000 --> 01:51:08.359
<v Speaker 5>Yeah, you can list them on the same one.

2087
01:51:08.000 --> 01:51:08.159
<v Speaker 20>God.

2088
01:51:09.079 --> 01:51:12.600
<v Speaker 2>Now it's going to cost fifty bucks to file fifty

2089
01:51:13.079 --> 01:51:18.960
<v Speaker 2>thirty huh fifty five bones okay, and then to serve

2090
01:51:19.000 --> 01:51:21.000
<v Speaker 2>about thirty five dollars for each.

2091
01:51:22.279 --> 01:51:22.760
<v Speaker 3>Generally.

2092
01:51:23.319 --> 01:51:25.680
<v Speaker 5>I mean I don't think i've ever I don't know

2093
01:51:25.720 --> 01:51:28.520
<v Speaker 5>what the sheriff charges. I usually just serve because the

2094
01:51:28.560 --> 01:51:32.880
<v Speaker 5>companies that I've sued are bigger ones, so they're easy

2095
01:51:32.920 --> 01:51:33.960
<v Speaker 5>to serve.

2096
01:51:34.319 --> 01:51:38.359
<v Speaker 2>When you see no, he didn't serve himself, he just

2097
01:51:38.399 --> 01:51:39.920
<v Speaker 2>means he had him served.

2098
01:51:40.239 --> 01:51:42.399
<v Speaker 5>Well, yeah, I mean like Suzanne would go serve him.

2099
01:51:42.399 --> 01:51:44.239
<v Speaker 5>I just pull up to the place and she can.

2100
01:51:44.439 --> 01:51:47.319
<v Speaker 5>As long as she's not listed long as a spouse

2101
01:51:47.439 --> 01:51:50.520
<v Speaker 5>or you know, a sibling or someone isn't listed, they

2102
01:51:50.560 --> 01:51:50.960
<v Speaker 5>can do it.

2103
01:51:52.279 --> 01:51:55.319
<v Speaker 2>It has to be somebody not involved in the lawsuit

2104
01:51:55.960 --> 01:52:00.439
<v Speaker 2>in the monetary part of it, that's right, Okay.

2105
01:52:00.840 --> 01:52:04.159
<v Speaker 14>I have one more suggestion on service. So some court

2106
01:52:04.319 --> 01:52:06.920
<v Speaker 14>clerks offer a service by mail.

2107
01:52:07.439 --> 01:52:08.119
<v Speaker 24>It cost me.

2108
01:52:08.279 --> 01:52:10.119
<v Speaker 14>I used it twice this year and all it costs

2109
01:52:10.159 --> 01:52:11.359
<v Speaker 14>about fifteen dollars.

2110
01:52:11.560 --> 01:52:13.720
<v Speaker 2>But the problem with that is how do you prove it?

2111
01:52:13.840 --> 01:52:17.880
<v Speaker 14>Oh, so they send it certified mail return receipt requested,

2112
01:52:18.399 --> 01:52:21.520
<v Speaker 14>and once they get that green card back from the

2113
01:52:21.560 --> 01:52:24.439
<v Speaker 14>post office, they'll actually certify it served.

2114
01:52:24.880 --> 01:52:26.359
<v Speaker 24>Now, you got to keep in mind.

2115
01:52:26.119 --> 01:52:28.079
<v Speaker 14>The clerks will always try to talk you out of it.

2116
01:52:28.079 --> 01:52:31.319
<v Speaker 14>They'll have this standard language. They'll tell you, well, this

2117
01:52:31.359 --> 01:52:33.720
<v Speaker 14>is not the preferred method. But you just got to

2118
01:52:33.760 --> 01:52:36.039
<v Speaker 14>power through it and say, I realize it's not preferred,

2119
01:52:36.079 --> 01:52:38.800
<v Speaker 14>but I'd still like to use this and it's valid service.

2120
01:52:38.840 --> 01:52:42.399
<v Speaker 2>But it might unless they refuse it, right obviously.

2121
01:52:42.560 --> 01:52:45.239
<v Speaker 14>Apparently they don't have the option of refuse. Oh you

2122
01:52:45.319 --> 01:52:48.439
<v Speaker 14>mean the recipient of that mail. Yeah, yeah, that would

2123
01:52:48.479 --> 01:52:49.960
<v Speaker 14>be one way to avoid service.

2124
01:52:50.680 --> 01:52:52.359
<v Speaker 2>I so let us know what happens.

2125
01:52:52.399 --> 01:52:52.600
<v Speaker 18>Man.

2126
01:52:53.119 --> 01:52:55.720
<v Speaker 2>I'm sorry that you're having this trouble three oh three.

2127
01:52:55.920 --> 01:52:57.720
<v Speaker 2>I mean we can call them again, I guess, but

2128
01:52:57.800 --> 01:53:02.000
<v Speaker 2>I'd like to see first the picture and the text

2129
01:53:02.479 --> 01:53:05.439
<v Speaker 2>three all three seven one three eight two five five.

2130
01:53:13.279 --> 01:53:19.159
<v Speaker 2>Hi Tom Martino, your troubleshooter three oh three seven one

2131
01:53:19.279 --> 01:53:22.239
<v Speaker 2>three talk Michelle, Welcome, what's going on? Michelle?

2132
01:53:23.720 --> 01:53:26.359
<v Speaker 28>Oh, so I talked to you last time on November

2133
01:53:26.399 --> 01:53:29.399
<v Speaker 28>fourth about my mortgage.

2134
01:53:29.279 --> 01:53:32.239
<v Speaker 2>And Deputy D was working with Deputy D. You were

2135
01:53:32.279 --> 01:53:35.640
<v Speaker 2>working with her, miss What was Michelle's issue?

2136
01:53:38.119 --> 01:53:40.800
<v Speaker 28>Yeah, so he was working with me and I texted

2137
01:53:40.880 --> 01:53:43.199
<v Speaker 28>him on a fuddy and I try to call in,

2138
01:53:43.439 --> 01:53:47.159
<v Speaker 28>but I got the busy signal almostly all day. I

2139
01:53:47.359 --> 01:53:48.079
<v Speaker 28>could not get to.

2140
01:53:48.159 --> 01:53:52.600
<v Speaker 2>Buy the busy signal? Are there anymore? What is a

2141
01:53:52.680 --> 01:53:55.760
<v Speaker 2>busy signal? I don't even know what that is, Honest

2142
01:53:55.760 --> 01:53:56.079
<v Speaker 2>to god, it.

2143
01:53:56.359 --> 01:53:59.520
<v Speaker 28>Was still just like a buzz, like a buzz.

2144
01:54:03.000 --> 01:54:03.199
<v Speaker 24>Yeah.

2145
01:54:03.239 --> 01:54:05.479
<v Speaker 14>Michelle told me on Friday that she had trouble getting

2146
01:54:05.479 --> 01:54:09.399
<v Speaker 14>through to the three h three Martino line because what

2147
01:54:09.640 --> 01:54:12.359
<v Speaker 14>she there's no said was a busy signal. So it

2148
01:54:12.399 --> 01:54:14.279
<v Speaker 14>sounds like there was some mechanical failure.

2149
01:54:14.319 --> 01:54:17.319
<v Speaker 2>Anyway, Is this the one where the adjuster came out

2150
01:54:17.399 --> 01:54:19.680
<v Speaker 2>and all that? Or is this has to do with uh,

2151
01:54:19.720 --> 01:54:22.520
<v Speaker 2>it's the mortgage company withholding some money?

2152
01:54:22.880 --> 01:54:25.680
<v Speaker 24>Yeah from Yeah, So Michelle and.

2153
01:54:25.640 --> 01:54:28.039
<v Speaker 2>I spoke, why are they withholding money?

2154
01:54:28.199 --> 01:54:34.359
<v Speaker 14>Well, they well, nobody knows. So Michelle got two checks

2155
01:54:34.399 --> 01:54:38.039
<v Speaker 14>from the insurance company and she sent them both to

2156
01:54:38.079 --> 01:54:41.119
<v Speaker 14>the mortgage company because apparently Michelle correct me if I'm wrong,

2157
01:54:41.119 --> 01:54:42.920
<v Speaker 14>but they were made out to both you and the

2158
01:54:42.920 --> 01:54:44.199
<v Speaker 14>insurance company, is that right?

2159
01:54:44.279 --> 01:54:47.720
<v Speaker 2>Yeah, no, the mortgage, I mean the mortgage, right, yeah, yeah,

2160
01:54:47.720 --> 01:54:49.439
<v Speaker 2>and that's not uncommon.

2161
01:54:48.960 --> 01:54:55.720
<v Speaker 14>And so yeah, but following that, Michelle, Michelle received one

2162
01:54:55.760 --> 01:54:58.159
<v Speaker 14>of those checks back from the mortgage company, but they

2163
01:54:58.239 --> 01:55:00.880
<v Speaker 14>retained another twenty seventh thousd dollars payment.

2164
01:55:00.960 --> 01:55:02.680
<v Speaker 2>I thought it was twenty three, but it could be.

2165
01:55:02.600 --> 01:55:04.800
<v Speaker 24>Something like that. It does, yeah, to the twenty three thousand,

2166
01:55:04.880 --> 01:55:05.359
<v Speaker 24>that's right.

2167
01:55:06.119 --> 01:55:08.920
<v Speaker 28>Yes, So the first two checks was the first one

2168
01:55:08.960 --> 01:55:12.239
<v Speaker 28>was twenty nine thousand, seven hundred and sixty dollars and

2169
01:55:12.319 --> 01:55:16.600
<v Speaker 28>fully three cents, and another check for three thousand, twenty

2170
01:55:16.640 --> 01:55:19.199
<v Speaker 28>seven dollars and seventy one cents. So both these checks

2171
01:55:19.199 --> 01:55:21.800
<v Speaker 28>were sent to them, they endorsed it, they sent it back,

2172
01:55:22.680 --> 01:55:24.760
<v Speaker 28>and then the third check is the check that they

2173
01:55:24.760 --> 01:55:28.960
<v Speaker 28>were holding it the thirty thousand and thirty nine dollars and.

2174
01:55:28.880 --> 01:55:29.760
<v Speaker 15>Twenty eight cents.

2175
01:55:30.239 --> 01:55:32.880
<v Speaker 28>We sent that third check in and they did not

2176
01:55:33.279 --> 01:55:34.199
<v Speaker 28>send that check back.

2177
01:55:34.359 --> 01:55:38.119
<v Speaker 2>So they're holding thirty check. They're holding thirty grand right now.

2178
01:55:39.479 --> 01:55:39.720
<v Speaker 26>Yeah.

2179
01:55:39.760 --> 01:55:41.520
<v Speaker 28>So then when we were talking to them back and

2180
01:55:41.600 --> 01:55:44.279
<v Speaker 28>forth and they keep saying that they did not receive

2181
01:55:44.399 --> 01:55:48.840
<v Speaker 28>any completed forms from us. Then they sent back seventy

2182
01:55:48.880 --> 01:55:52.000
<v Speaker 28>two hundred eleven dollars and eighty six cents. So the

2183
01:55:52.119 --> 01:55:55.840
<v Speaker 28>balance that they still hold is twenty two thousand, eight

2184
01:55:55.920 --> 01:55:57.319
<v Speaker 28>hundred twenty seven dollars.

2185
01:55:57.680 --> 01:56:01.359
<v Speaker 2>Hold on, Yeah, what I need to know is this,

2186
01:56:01.800 --> 01:56:03.439
<v Speaker 2>Why are they withholding the money?

2187
01:56:04.840 --> 01:56:08.560
<v Speaker 28>I am not sure why. Every time I called and

2188
01:56:08.640 --> 01:56:11.119
<v Speaker 28>talked to one of their representatives, they would tell me

2189
01:56:11.119 --> 01:56:11.960
<v Speaker 28>a different story.

2190
01:56:12.119 --> 01:56:13.399
<v Speaker 26>So I have no.

2191
01:56:15.239 --> 01:56:20.000
<v Speaker 2>That's right. Listen, listen. All a mortgage company has the

2192
01:56:20.079 --> 01:56:24.760
<v Speaker 2>right to do is to make sure they're collateral is

2193
01:56:24.880 --> 01:56:30.840
<v Speaker 2>preserved to the extent it was. Once that roof is done,

2194
01:56:31.159 --> 01:56:34.800
<v Speaker 2>whether you have it doesn't matter. Once they get a

2195
01:56:34.840 --> 01:56:38.319
<v Speaker 2>certificate of completion or an inspection or they inspect it,

2196
01:56:38.760 --> 01:56:41.680
<v Speaker 2>they have to refund whatever money is. Even if you

2197
01:56:41.840 --> 01:56:45.039
<v Speaker 2>keep money, they're not allowed to keep money, even if

2198
01:56:45.039 --> 01:56:47.239
<v Speaker 2>you even if they say, well, it didn't cost you

2199
01:56:47.279 --> 01:56:51.159
<v Speaker 2>that much, so what now At the very worst case scenario,

2200
01:56:51.920 --> 01:56:54.680
<v Speaker 2>they should apply that money to the principle of your loan.

2201
01:56:55.079 --> 01:56:57.840
<v Speaker 2>But I don't think that's what they're doing. I don't know.

2202
01:56:58.079 --> 01:57:00.399
<v Speaker 2>Did you deep did you call the mortgage company?

2203
01:57:00.479 --> 01:57:00.760
<v Speaker 3>Oh?

2204
01:57:00.840 --> 01:57:04.319
<v Speaker 14>Yeah, I called and I emailed. I even emailed the

2205
01:57:04.359 --> 01:57:09.039
<v Speaker 14>company president himself. His email is available at round Point

2206
01:57:09.199 --> 01:57:09.800
<v Speaker 14>Mortgage as.

2207
01:57:09.760 --> 01:57:15.680
<v Speaker 2>Well round or Brown Round like your round round?

2208
01:57:15.760 --> 01:57:18.319
<v Speaker 14>Yeah, round Point Mortgage, I guess. And in my and

2209
01:57:18.399 --> 01:57:21.279
<v Speaker 14>of course I got zero response to any of my requests.

2210
01:57:21.319 --> 01:57:24.680
<v Speaker 14>So in my research on round Point Mortgage, I saw

2211
01:57:24.840 --> 01:57:30.279
<v Speaker 14>carbon copies of this complaint from other customers of round Point.

2212
01:57:30.479 --> 01:57:32.239
<v Speaker 2>Where they located, I don't.

2213
01:57:32.119 --> 01:57:35.119
<v Speaker 24>Remember, but uh oh there in Carolina.

2214
01:57:35.880 --> 01:57:38.520
<v Speaker 2>I think I think we should have as many listeners

2215
01:57:38.560 --> 01:57:43.520
<v Speaker 2>as possible. Call them. I'm serious, we should have as

2216
01:57:43.560 --> 01:57:47.239
<v Speaker 2>many listeners as possible. Call and tell them you heard

2217
01:57:47.279 --> 01:57:49.960
<v Speaker 2>them on the Tom Martino Show three oh three Martino

2218
01:57:50.640 --> 01:57:52.800
<v Speaker 2>three oh three, six two seven eighty four sixty six.

2219
01:57:53.199 --> 01:57:57.159
<v Speaker 2>And we want to know why they're withholding money from Michelle. Michelle,

2220
01:57:57.600 --> 01:57:59.680
<v Speaker 2>So how much do you owe your roofers?

2221
01:58:01.600 --> 01:58:08.199
<v Speaker 28>So we still we pay them five thousand, and we

2222
01:58:08.319 --> 01:58:09.960
<v Speaker 28>still told them about.

2223
01:58:10.159 --> 01:58:12.159
<v Speaker 2>I just need to know what yo, that's what I

2224
01:58:12.199 --> 01:58:12.600
<v Speaker 2>need to know.

2225
01:58:13.079 --> 01:58:16.600
<v Speaker 28>Oh okay, so we still need to pay them about

2226
01:58:17.560 --> 01:58:18.680
<v Speaker 28>six more thousands.

2227
01:58:19.760 --> 01:58:23.960
<v Speaker 2>And so do you think the mortgage company see that

2228
01:58:24.199 --> 01:58:26.760
<v Speaker 2>the mortgage company has no right to count her money?

2229
01:58:26.920 --> 01:58:28.600
<v Speaker 2>You're gonna have money left over? Right?

2230
01:58:30.000 --> 01:58:30.159
<v Speaker 9>No?

2231
01:58:30.359 --> 01:58:32.239
<v Speaker 28>Because I still have my windows that I need to

2232
01:58:32.279 --> 01:58:32.479
<v Speaker 28>pay it.

2233
01:58:32.600 --> 01:58:33.560
<v Speaker 2>Okay, okay.

2234
01:58:33.760 --> 01:58:36.600
<v Speaker 14>She needs the entire twenty three thousand dollars back from

2235
01:58:36.640 --> 01:58:39.279
<v Speaker 14>the mortgage company so she can complete the repairs to

2236
01:58:39.319 --> 01:58:39.840
<v Speaker 14>her house.

2237
01:58:40.520 --> 01:58:42.600
<v Speaker 2>She needs a back, whether if not that she does that,

2238
01:58:42.840 --> 01:58:45.960
<v Speaker 2>she just needs it. It's her money unless, like I said,

2239
01:58:45.960 --> 01:58:51.399
<v Speaker 2>she's only obligated to make sure the collateral is preserved.

2240
01:58:51.600 --> 01:58:53.479
<v Speaker 24>I can't believe how long this has been going on.

2241
01:58:53.520 --> 01:58:56.560
<v Speaker 2>I wonder if the Consumer Finance Protection Bureau, Doc, do

2242
01:58:56.600 --> 01:58:58.920
<v Speaker 2>you think they would step in on something?

2243
01:58:59.399 --> 01:59:02.800
<v Speaker 14>Michelle already file the complaint with the Consumer Finance protect the.

2244
01:59:02.720 --> 01:59:03.680
<v Speaker 24>Show, isn't that correct?

2245
01:59:03.680 --> 01:59:03.800
<v Speaker 18>Well?

2246
01:59:03.840 --> 01:59:05.640
<v Speaker 14>You and I discussed that a few days ago, right,

2247
01:59:06.520 --> 01:59:07.439
<v Speaker 14>and how long ago.

2248
01:59:07.279 --> 01:59:10.960
<v Speaker 2>Did you that with the Consumer Finance Protection Bureau?

2249
01:59:12.600 --> 01:59:14.840
<v Speaker 28>So I went in. I couldn't do the form, so

2250
01:59:14.880 --> 01:59:17.279
<v Speaker 28>I had to call to one of their agents and

2251
01:59:17.359 --> 01:59:20.199
<v Speaker 28>she was able to walk me through the whole form.

2252
01:59:20.319 --> 01:59:22.600
<v Speaker 28>So I did it. We complete it on the twelfth

2253
01:59:22.760 --> 01:59:24.680
<v Speaker 28>of November the twelve.

2254
01:59:24.760 --> 01:59:28.680
<v Speaker 14>They're pretty they're pretty fast, they're CFPB. I've used them

2255
01:59:28.720 --> 01:59:29.399
<v Speaker 14>once about a year.

2256
01:59:29.560 --> 01:59:33.119
<v Speaker 2>They're good people. You're going to hear from them. You're

2257
01:59:33.119 --> 01:59:34.079
<v Speaker 2>going to hear from Yeah.

2258
01:59:34.119 --> 01:59:37.159
<v Speaker 28>I checked in on Saturday. But I have not seen

2259
01:59:37.159 --> 01:59:38.239
<v Speaker 28>anything from them yet.

2260
01:59:38.800 --> 01:59:42.840
<v Speaker 2>Okay, but you will. They usually do not drop the ball. Now,

2261
01:59:43.319 --> 01:59:46.680
<v Speaker 2>I think we should put calls through to that company.

2262
01:59:48.159 --> 01:59:50.279
<v Speaker 2>What number did you call and do you get someone

2263
01:59:50.359 --> 01:59:51.000
<v Speaker 2>at that number?

2264
01:59:51.359 --> 01:59:51.479
<v Speaker 20>No?

2265
01:59:52.279 --> 01:59:55.520
<v Speaker 14>So when you call there, AG we got to break

2266
01:59:55.880 --> 01:59:59.960
<v Speaker 14>the machine makes you enter your account number. You can't

2267
02:00:00.119 --> 02:00:02.239
<v Speaker 14>just push zero and talk to an operators, so you

2268
02:00:02.319 --> 02:00:05.439
<v Speaker 14>have to be you have to be one of their.

2269
02:00:05.479 --> 02:00:07.840
<v Speaker 2>So they don't let you. They don't hear from anybody.

2270
02:00:08.239 --> 02:00:10.640
<v Speaker 2>Then what about their website? See if you can find

2271
02:00:10.640 --> 02:00:13.640
<v Speaker 2>a website for more, people can send in a contact form.

2272
02:00:13.920 --> 02:00:22.319
<v Speaker 2>I'm Tom Martino. More coming right up, Hi, Tom Martino.

2273
02:00:22.399 --> 02:00:26.119
<v Speaker 2>You're a troubleshooter. Three all three seven one three talk

2274
02:00:26.159 --> 02:00:29.199
<v Speaker 2>three all three seven one three eight two five five.

2275
02:00:31.079 --> 02:00:34.640
<v Speaker 2>Let's talk to Let's see who's turn. This is UH

2276
02:00:35.119 --> 02:00:39.600
<v Speaker 2>going to talk to you Michelle Michelle. Oh, never mind.

2277
02:00:39.600 --> 02:00:42.439
<v Speaker 2>We talked to Michelle about the mortgage company. So we're

2278
02:00:42.439 --> 02:00:44.279
<v Speaker 2>just gonna handle it off the air, I guess. I mean,

2279
02:00:44.319 --> 02:00:45.600
<v Speaker 2>there's nothing we can do about it.

2280
02:00:45.680 --> 02:00:48.720
<v Speaker 14>There's nothing well, there's there's nothing else I can do

2281
02:00:48.760 --> 02:00:51.800
<v Speaker 14>because Brown Point Mortgage hasn't responded to any of my

2282
02:00:51.880 --> 02:00:53.439
<v Speaker 14>contact attempts, and.

2283
02:00:53.479 --> 02:00:56.319
<v Speaker 24>So I hope that CFPB will be able to help.

2284
02:00:56.479 --> 02:00:57.279
<v Speaker 2>I think they will.

2285
02:00:58.039 --> 02:01:00.399
<v Speaker 14>Yeah, I mean, they have a good reputation in that reguard.

2286
02:01:01.359 --> 02:01:03.800
<v Speaker 14>Michelle could just you know, sue them for the twenty

2287
02:01:03.840 --> 02:01:07.039
<v Speaker 14>seven thousand and make them explain why they keep it.

2288
02:01:07.239 --> 02:01:09.439
<v Speaker 2>Yeah, that's going to take too much money to do.

2289
02:01:10.159 --> 02:01:12.800
<v Speaker 2>But I mean, I can't believe they're doing this. But

2290
02:01:12.880 --> 02:01:15.279
<v Speaker 2>you're saying you saw plenty of other complaints about it.

2291
02:01:15.439 --> 02:01:19.359
<v Speaker 14>I saw carbon copies of the same complaint, and after

2292
02:01:19.439 --> 02:01:22.359
<v Speaker 14>I researched those complaints, I didn't see any resolutions on

2293
02:01:22.399 --> 02:01:25.640
<v Speaker 14>the internet. So either those people vanished or they could

2294
02:01:25.640 --> 02:01:27.119
<v Speaker 14>never resolve that issue.

2295
02:01:27.520 --> 02:01:29.800
<v Speaker 2>Eva, what's going on with you? Eva? Welcome?

2296
02:01:31.159 --> 02:01:37.520
<v Speaker 23>Oh hey, I was listening to the radio. I'm in

2297
02:01:37.560 --> 02:01:40.960
<v Speaker 23>front of my house waiting to bring my groceries and

2298
02:01:41.039 --> 02:01:44.640
<v Speaker 23>I'm listening to the radio and I got a call.

2299
02:01:46.640 --> 02:01:49.359
<v Speaker 23>And it's the second time this happened. The last time

2300
02:01:49.399 --> 02:01:52.079
<v Speaker 23>it was a male voice. This time of female voice,

2301
02:01:52.560 --> 02:01:57.439
<v Speaker 23>both with foreign accents and saying, they're calling me about

2302
02:01:57.479 --> 02:02:00.880
<v Speaker 23>my accident I had two years ago. So what kind

2303
02:02:01.000 --> 02:02:04.239
<v Speaker 23>I hung up after saying something.

2304
02:02:04.039 --> 02:02:06.039
<v Speaker 2>That, Well, first of all, did you really did you

2305
02:02:06.079 --> 02:02:07.479
<v Speaker 2>have an accident two years ago.

2306
02:02:09.079 --> 02:02:11.760
<v Speaker 23>Thank god, I have never had an accident.

2307
02:02:12.439 --> 02:02:14.479
<v Speaker 2>Well, it could be a mistake. It could be a scam.

2308
02:02:14.600 --> 02:02:16.760
<v Speaker 2>It could be a scam. I mean to me, it

2309
02:02:16.800 --> 02:02:21.039
<v Speaker 2>doesn't sound like it doesn't sound like a scam. It

2310
02:02:21.079 --> 02:02:23.640
<v Speaker 2>doesn't sound like a scam to me, because it would

2311
02:02:23.640 --> 02:02:27.439
<v Speaker 2>be senseless to call people saying I'm calling about the

2312
02:02:27.479 --> 02:02:29.800
<v Speaker 2>accident and you had two years ago. What are the

2313
02:02:29.960 --> 02:02:33.640
<v Speaker 2>chances spending all that time calling people asking about an

2314
02:02:33.680 --> 02:02:36.760
<v Speaker 2>accident two years ago? They're going to happen upon people

2315
02:02:36.760 --> 02:02:40.079
<v Speaker 2>who had accidents two years ago. I mean, it just

2316
02:02:40.159 --> 02:02:42.600
<v Speaker 2>doesn't sound It sounds like a mistake to me, not

2317
02:02:42.680 --> 02:02:45.720
<v Speaker 2>a scam. What what did go ahead?

2318
02:02:47.119 --> 02:02:52.720
<v Speaker 23>Well, I'm curious, you know, because it's so untrue. I'm

2319
02:02:52.760 --> 02:02:55.439
<v Speaker 23>wondering where I think it's a scam.

2320
02:02:57.159 --> 02:02:58.319
<v Speaker 2>I think it's a mistake.

2321
02:02:59.720 --> 02:03:02.319
<v Speaker 23>Huh, that's curious.

2322
02:03:02.600 --> 02:03:04.119
<v Speaker 2>How long have you had your number?

2323
02:03:06.800 --> 02:03:07.000
<v Speaker 24>Oh?

2324
02:03:07.119 --> 02:03:11.600
<v Speaker 23>Actually I probably had this number maybe two or three years.

2325
02:03:11.720 --> 02:03:16.520
<v Speaker 2>Yeah, it's a mistake. I really, even they don't they

2326
02:03:16.560 --> 02:03:21.359
<v Speaker 2>don't call. Scams don't work that way. Scams want like

2327
02:03:21.680 --> 02:03:24.880
<v Speaker 2>they want production, they want like stuff right away. If

2328
02:03:24.880 --> 02:03:28.920
<v Speaker 2>it's a fishing scam, they don't call and say on

2329
02:03:29.039 --> 02:03:31.359
<v Speaker 2>the off chance you had an accident two years ago,

2330
02:03:31.720 --> 02:03:34.279
<v Speaker 2>what are they going to get from you insurance?

2331
02:03:34.359 --> 02:03:36.800
<v Speaker 23>I don't know that what I was hoping if I

2332
02:03:36.920 --> 02:03:38.600
<v Speaker 23>mentioned it, I hung up too quick.

2333
02:03:38.840 --> 02:03:40.199
<v Speaker 2>What do you think? What you thinking?

2334
02:03:40.359 --> 02:03:42.199
<v Speaker 6>I was just saying, unless they're hoping people will call

2335
02:03:42.239 --> 02:03:44.479
<v Speaker 6>them back and say, hey, this isn't me, and say, well,

2336
02:03:44.600 --> 02:03:47.199
<v Speaker 6>just to verify that it's not you, let me get

2337
02:03:47.199 --> 02:03:48.960
<v Speaker 6>you that, let me get all your information.

2338
02:03:49.279 --> 02:03:52.319
<v Speaker 2>That's something I've heard that. Yeah, that's a good point.

2339
02:03:52.479 --> 02:03:58.039
<v Speaker 2>I've heard that before, but I don't think. I don't know, so, Eva,

2340
02:03:58.119 --> 02:03:58.720
<v Speaker 2>I don't.

2341
02:03:59.439 --> 02:04:01.760
<v Speaker 23>I thought that call in and see if anyone else

2342
02:04:01.800 --> 02:04:02.760
<v Speaker 23>has had that happen.

2343
02:04:02.840 --> 02:04:05.760
<v Speaker 2>Let's let's find out. Actually, so thank you for letting

2344
02:04:05.840 --> 02:04:08.279
<v Speaker 2>us know if anyone's ever had a call like that. Hey,

2345
02:04:08.319 --> 02:04:10.199
<v Speaker 2>I'm calling about the accident you had a couple of

2346
02:04:10.279 --> 02:04:13.640
<v Speaker 2>years ago. Did they say, by the way, Eva, that

2347
02:04:14.000 --> 02:04:19.359
<v Speaker 2>they were from an insurance company. Did they say they're

2348
02:04:19.359 --> 02:04:21.640
<v Speaker 2>still there? Yeah? Who did they say they were from?

2349
02:04:21.720 --> 02:04:22.960
<v Speaker 2>Where did they say they were from?

2350
02:04:23.119 --> 02:04:26.760
<v Speaker 23>No, it was a very hard to understand accent, and

2351
02:04:26.880 --> 02:04:30.199
<v Speaker 23>they I hung up saying I never had an accident,

2352
02:04:31.359 --> 02:04:35.560
<v Speaker 23>So they didn't even say who they were but they

2353
02:04:35.600 --> 02:04:37.279
<v Speaker 23>were foreign accented.

2354
02:04:38.760 --> 02:04:43.800
<v Speaker 2>All right, I don't I don't know. I just don't know.

2355
02:04:44.239 --> 02:04:46.159
<v Speaker 2>It could be a scam now that you mentioned a

2356
02:04:46.199 --> 02:04:49.199
<v Speaker 2>foreign accident, must be I'm just kidding. That's a joke.

2357
02:04:49.239 --> 02:04:52.319
<v Speaker 2>But boom anyway three or oo three seven one three

2358
02:04:52.399 --> 02:04:59.640
<v Speaker 2>eight two five five testing one two three Okay, sorry

2359
02:05:01.079 --> 02:05:04.399
<v Speaker 2>Tom Martino here, okay, Bob Logan, I want to I

2360
02:05:04.439 --> 02:05:07.159
<v Speaker 2>want to talk to Bob, Yes, sir, let's say, Bob,

2361
02:05:07.359 --> 02:05:10.239
<v Speaker 2>somebody wants to know if you to somebody. I'm just

2362
02:05:10.319 --> 02:05:12.640
<v Speaker 2>gonna be honest with you, is me? Can you give that?

2363
02:05:13.159 --> 02:05:15.239
<v Speaker 2>Can you give my listeners? You always do this a

2364
02:05:15.239 --> 02:05:17.800
<v Speaker 2>little bump for anyone who calls before the end of

2365
02:05:17.800 --> 02:05:20.279
<v Speaker 2>the year. Let's even do it before you give me

2366
02:05:20.319 --> 02:05:21.720
<v Speaker 2>the date. It doesn't have to be the end of

2367
02:05:21.720 --> 02:05:24.000
<v Speaker 2>the year. But I want to do something special, so

2368
02:05:24.159 --> 02:05:26.920
<v Speaker 2>I really want to. So come up with something right

2369
02:05:26.960 --> 02:05:29.439
<v Speaker 2>now that you have authority to do so, sir.

2370
02:05:30.159 --> 02:05:30.640
<v Speaker 12>Okay.

2371
02:05:30.800 --> 02:05:36.399
<v Speaker 6>So in addition to any replacement options we have, whether

2372
02:05:36.399 --> 02:05:41.119
<v Speaker 6>it's furnace, air conditioner, sewer line, electrical panel, in addition

2373
02:05:41.159 --> 02:05:43.760
<v Speaker 6>to any special we have going on out there, Yes,

2374
02:05:43.880 --> 02:05:46.920
<v Speaker 6>Tom Martino, listeners an additional two hundred and fifty bucks off.

2375
02:05:47.319 --> 02:05:50.359
<v Speaker 2>Okay, So that's over and above every special. It's like

2376
02:05:50.399 --> 02:05:52.960
<v Speaker 2>getting an extra two hundred and fifty dollars kicker just

2377
02:05:53.159 --> 02:05:56.560
<v Speaker 2>because you mentioned MARTINZ just just mentioned two hundred and

2378
02:05:56.560 --> 02:05:59.840
<v Speaker 2>fifty bucks. You can't beat that with a stick. That's okay.

2379
02:06:00.399 --> 02:06:03.479
<v Speaker 2>By the way, on that question of annuities, I did

2380
02:06:03.479 --> 02:06:08.640
<v Speaker 2>some math that guy had, and that is they wanted

2381
02:06:08.680 --> 02:06:11.560
<v Speaker 2>to do like maybe two hundred grand in an annuity

2382
02:06:11.840 --> 02:06:16.279
<v Speaker 2>for ten years till they're sixty five, and the income

2383
02:06:16.359 --> 02:06:21.880
<v Speaker 2>would be about fifteen hundred bucks a month, fifteen hundred

2384
02:06:22.000 --> 02:06:24.600
<v Speaker 2>extra bucks a month if you put two hundred k

2385
02:06:24.680 --> 02:06:28.800
<v Speaker 2>away and you were sixty five. Now, if you put

2386
02:06:28.800 --> 02:06:32.000
<v Speaker 2>that in perspective, so if you get fifty, if you

2387
02:06:32.039 --> 02:06:37.920
<v Speaker 2>put two hundred k away right, and then so that

2388
02:06:37.960 --> 02:06:45.319
<v Speaker 2>would last you lifetime or it would actually last you. Yeah,

2389
02:06:45.359 --> 02:06:47.760
<v Speaker 2>it would actually last you a lifetime. If you put

2390
02:06:47.760 --> 02:06:50.479
<v Speaker 2>that same amount of way and invest in it, it

2391
02:06:50.520 --> 02:06:55.039
<v Speaker 2>would actually almost last your lifetime. There's it would probably

2392
02:06:55.119 --> 02:06:57.960
<v Speaker 2>go beyond your lifetime. So you got to do math,

2393
02:06:58.079 --> 02:07:01.000
<v Speaker 2>is what I'm saying. By the way, on Plumbline, you

2394
02:07:01.159 --> 02:07:04.239
<v Speaker 2>can contact Plumbline at three oh three, five, eight, six, ten,

2395
02:07:04.279 --> 02:07:08.600
<v Speaker 2>eighty six or Plumbline Services dot com. Save all your

2396
02:07:08.640 --> 02:07:09.920
<v Speaker 2>problems for me.