Speaker 1: Yeah, ripped off, had news, didn't need advice.
Speaker 2: So you don't have the.
Speaker 3: Come running just as fast as we can.
Speaker 4: Shoe Shooter's gonna help come.
Speaker 5: Man, this is the Troubleshooter Show.
Speaker 2: No, Tom Martino, Hey I Tom Martino. Welcome to the show.
Speaker 2: Three zero three seven one three talk seven one three
Speaker 2: eight two five five. What's going on in your life?
Speaker 2: And we are here to help you any way we can. Hello, Oh, okay,
Speaker 2: I'll turn myself up. Then man, just say the word.
Speaker 2: How's that? Okay? Yeah? And then people say I'm too loud.
Speaker 2: See Shannon, this is proof. Shannon just said I'm too low.
Speaker 2: Everyone else says I'm too loud.
Speaker 5: I could barely hear you. You were whispering.
Speaker 2: Okay. Well, hi Tom Martino. Here, by the way, if
Speaker 2: you're streaming and you're streaming video, we have Bob Logan
Speaker 2: here to my right, and we have Deputy D who
Speaker 2: sits over here. Deputy D helps out a lot, and
Speaker 2: bob Logan plumb line services. Bob, I want to ask
Speaker 2: you something real quick. Do you get busy on the
Speaker 2: eve or at thanks even the day after they? I mean,
Speaker 2: is there like do you actually have somebody that you
Speaker 2: make work.
Speaker 6: So we're officially closed on Thanksgiving and all major holidays,
Speaker 6: but we do have technicians and people in the call
Speaker 6: center that volunteer to step up because they know we're
Speaker 6: going to get calls.
Speaker 2: And so you will run calls.
Speaker 6: Yes, it's on an emergency only basis and typically only
Speaker 6: for our VIP clients. So you know, we have the
Speaker 6: VIP membership and there's a lot of benefits to go
Speaker 6: along with that. But one of those is after hours
Speaker 6: and holidays things like that, or warranties. Obviously, we're going
Speaker 6: to stand behind any warranty calls that we have.
Speaker 5: All Right, And I just brought up I'm always blown
Speaker 5: away by how dapper he is. Do your technico?
Speaker 2: No, I mean he's out a GQ. Bro, he's out
Speaker 2: of GQ?
Speaker 6: Is that Mark?
Speaker 2: Yeah?
Speaker 6: Stranger?
Speaker 2: Now now talking about dapper, you want to see his look?
Speaker 2: Get it close up to him, Bro, look at that now,
Speaker 2: I'm going to show you him real close. Look at this.
Speaker 2: I'm going to show you it's.
Speaker 5: Rolling Stones T shirt, black T shirt. Hey, you saw
Speaker 5: me the other night though I was dressed up.
Speaker 2: Mark, I'm gonna I promise you when I tell you this.
Speaker 2: You looked really good. No, we thank you an event.
Speaker 2: He looked really good. Of course, Suzann always looks bad.
Speaker 2: We were shocked.
Speaker 5: Oh that's nice.
Speaker 2: Well, I don't know how to put it. I guess
Speaker 2: that's a bit. I didn't mean it like that.
Speaker 7: If Marco could, I'll bet you Susie knocked him out right.
Speaker 2: I'm oh, yeah, Deputy, Doc, is she looked great? Are
Speaker 2: you in the studio? Docs? I deputy, Oh, dollars there.
Speaker 6: And we're all fortunate day morning, Tom. Does it make
Speaker 6: us look good?
Speaker 2: Of course?
Speaker 7: Now, hey, Tom, can I give you a follow up
Speaker 7: from last week?
Speaker 2: Yeah, let's do it, bro. And then I'm gonna go
Speaker 2: to the phones. I got Bradley. Bradley, hang on, I'm
Speaker 2: gonna take you, I promise, go ahead. What's going on? Doc?
Speaker 7: Debor called up about Louis Aramao Construction.
Speaker 2: Hired a contractor July eight, twenty five thousand dollars estimate.
Speaker 2: She said she paid the entire amount, but only eighty
Speaker 2: percent of the garage is complete. So whenever the contractor
Speaker 2: believes the whole thing's done, and he says I only
Speaker 2: have a few hours left.
Speaker 7: When I've spoke to her, she gave me a whole
Speaker 7: list of what needs to be done. We need to
Speaker 7: get somebody out there to take a look and find
Speaker 7: out what has to be done and how much is
Speaker 7: gonna cost. So before we can do anything, we need
Speaker 7: a second opinion on what's going to be done.
Speaker 2: Okay, now here here was one of the well should
Speaker 2: I say common problems when we do that? Let me
Speaker 2: let me put it to you this way. What happens
Speaker 2: is they have an original contract and then the contract
Speaker 2: falls apart, and then what happens is they want a
Speaker 2: second opinion. Now, the second opinion comes in and we'll
Speaker 2: say what needs to be done according to that contractor
Speaker 2: and how that contractor would have done it. That doesn't
Speaker 2: mean he's out. He's breaching his contract or the original
Speaker 2: guy's breaching the contract. For example, if the original contract
Speaker 2: called for a certain quality and the second guy thinks
Speaker 2: it should be another quality. See, so what we have
Speaker 2: to do is get the second opinion based on what
Speaker 2: they agreed to. Makes sense, absolutely all right? So what
Speaker 2: part of town is it in?
Speaker 7: Doc she's in seventy six and Sheridan. So Westminster thought.
Speaker 2: Man, we can't have any one of our people. Let's
Speaker 2: pick somebody to go out there and take a quick look.
Speaker 2: I hope you understand these people put themselves out when
Speaker 2: they do this.
Speaker 7: I totally understand that. And you know, just like you say,
Speaker 7: sometimes you appreciate the deputies and what we put in
Speaker 7: we appreciate so much. Are are people who go out
Speaker 7: to give us second opinions, like you know Genesis or
Speaker 7: Jeff with Transmissions.
Speaker 2: Any plumb Line services, they do free second opinions all
Speaker 2: the time.
Speaker 7: We really appreciate our sponsors that go out and help
Speaker 7: the deputies.
Speaker 2: We couldn't do a job with all that has found
Speaker 2: in the past. Plumb Line has found equipment in the
Speaker 2: past that's just perfect, perfect equipment, but it's not operating properly.
Speaker 2: Because what percentage is equipment and what percentage is installation?
Speaker 2: Fifty to fifty.
Speaker 6: Right, it's ninety ten, ninety ten.
Speaker 2: Times what ninety percent installation.
Speaker 6: You can buy the best equipment money will buy, and
Speaker 6: if it's not installed properly, you just threw your money away.
Speaker 2: Wow.
Speaker 6: And and you know, we work with Carrier for a
Speaker 6: number of reasons. One they're they're one of the best
Speaker 6: known brands in the world. But our local distributors fantastic
Speaker 6: stands behind everything that we do. But here's a here's
Speaker 6: the thing. You can buy the best.
Speaker 5: He's low man, All right, go ahead.
Speaker 6: I'm I'm kind of away from them. That's probably my fault.
Speaker 6: But again, you can buy the best equipment money can buy.
Speaker 6: And if it's not installed properly, it's it's not going
Speaker 6: to run as it's designed. It's gonna be starving for air.
Speaker 6: Maybe unsafe. There's a number of things that can go wrong.
Speaker 2: Couldn't set it better, couldn't have said it better. I
Speaker 2: want to talk now to uh and again I'm gonna
Speaker 2: I pipe myself up and people are gonna now say
Speaker 2: I sound robotic. You wait, Bradley, go ahead. What's going
Speaker 2: on with you? Bradley? I'm sorry, what what's happening? Oh?
Speaker 8: Nothing.
Speaker 9: I bought a car from the dealerships out like six
Speaker 9: months ago, and they never gave me a title for it,
Speaker 9: and I was actually directed to you from it.
Speaker 2: It was six months ago. Six months ago.
Speaker 9: Yeah, they've been I've been calling them once a month
Speaker 9: for the past six months and they.
Speaker 2: Make what's the name of it. I don't know what
Speaker 2: that is. Are you doing something we shouldn't know about?
Speaker 2: Look excuse me, I digress, Bradley. What's the name of
Speaker 2: the dealer, Urban Motors on a federal It's Urban Motors Blue. Okay.
Speaker 2: And what did you buy?
Speaker 9: I buy a nineteen ninety seven Toyota Corolla.
Speaker 2: Okay. And what do they say about not getting you
Speaker 2: a title?
Speaker 9: Well, at first they said, uh, that it should be
Speaker 9: coming in the mail. I should get a little card
Speaker 9: for it or something to like proof that it was
Speaker 9: sent to the DMV. And then it's a.
Speaker 2: Used car though, right, it's a used car.
Speaker 9: It's a used car at auction.
Speaker 2: Of course it is a ninety seven. What am I stupid? Yes,
Speaker 2: it's a used car. So in Urban you went to
Speaker 2: Urban Motors. Okay. Well here's the problem. They have to
Speaker 2: give your money back.
Speaker 9: Yeah.
Speaker 10: Yeah.
Speaker 9: When I talked to them on the phone not too
Speaker 9: long ago, and it's like last that easy.
Speaker 2: They have to give your money back, and if you
Speaker 2: want your money back, we'll get it back.
Speaker 9: Yes I would.
Speaker 2: They have no choice in the matter. None.
Speaker 11: Yeah.
Speaker 12: Yeah.
Speaker 9: They keep saying there'll be a week out or a
Speaker 9: month out or that.
Speaker 12: In the courts.
Speaker 9: They're making like a reproductive.
Speaker 2: Who wants to give them the bad news? I'm going
Speaker 2: to give this to Deputy Dollar. Deputy Dollar. Okay, let's
Speaker 2: call them during the show even see what we can
Speaker 2: do for you. Okay, hang on, bro, hang on three
Speaker 2: oh three seven one three talk seven one three eight
Speaker 2: two five five. All right, I'm going to do something
Speaker 2: right now that's gonna make Mark faint, and Uh, it's
Speaker 2: gonna make uh Dragon faint? Is it Dragon or Shannon?
Speaker 3: Right now?
Speaker 2: I'm sorry, Shannon, Shannon's gonna Shannon's gonna faint because I'm
Speaker 2: going to take a break on time. I'm Tom Martine,
Speaker 2: and we have more coming uprootopros dot net. The best
Speaker 2: water systems at the lowest prices. I'm telling you water
Speaker 2: softening plus a triple filter reverse osmosis system at your kitchen,
Speaker 2: seeing so the whole house softening for your plumbing, your laundry,
Speaker 2: your showers, your baths, and drinking water all for thirty
Speaker 2: one ninety five. I mean, that's an unheard of price.
Speaker 2: Three ninety five bucks to the end of the month
Speaker 2: holiday special Waterpros dot net. I'm Tom Martino, your trouble
Speaker 2: shooter three all three seven one three talk three all
Speaker 2: three seven one three eight two five five. Got a
Speaker 2: lot happening in consumer news. Man, it it's it befuddles me.
Speaker 2: I'll tell you what. So have you noticed people are
Speaker 2: freaking out? Well no, no, no, people aren't freaking out.
Speaker 2: Liberals are freaking out over what might happen, not what
Speaker 2: is happening. What might happen? I predict another million woman
Speaker 2: march on Washington to talk about they've lost their rights
Speaker 2: even though nothing's happened. But we'll see it. Now. Welcome
Speaker 2: to the show. What is going on in your life?
Speaker 2: Get it done now because we may not be able
Speaker 2: to solve your problems this week as quickly as we
Speaker 2: can other weeks. Now, when you do not get a
Speaker 2: title from a dealer's an, they have to rescind the
Speaker 2: deal or they lose the license. There's no two ways
Speaker 2: about it.
Speaker 5: They have to do it so in a reasonable time.
Speaker 2: Yeah, well yeah, and they don't define a reasonable time.
Speaker 2: That's the thing. They don't define it. They just say,
Speaker 2: you know what, that's not reasonable. But usually sixty days
Speaker 2: is considered reasonable. During COVID, you know they they did them.
Speaker 2: You know they did them a little differently, Tom.
Speaker 7: While there's statues which define how much they can charge
Speaker 7: them for use of the car just so he doesn't
Speaker 7: get ripped off them.
Speaker 2: Well, first of all, yes, if they don't deliver title, no, no,
Speaker 2: I don't think that. I don't think that bailman comes
Speaker 2: into play.
Speaker 7: So he's had the call for six months. They're not
Speaker 7: going to charge you anything that give his full refund back.
Speaker 2: He should get everything back. They should rescind the whole deal.
Speaker 2: It's their fault. Yeah, that's right, it's one hundred percent
Speaker 2: their fault. But there is Isn't there statutes on bailman
Speaker 2: in general? Yes, yes, there is, uh huh, So bailman
Speaker 2: in general, as Mark talked about, is statutory, and I
Speaker 2: think they define the number of days. I think again
Speaker 2: I'm hazy because we haven't used it in a while,
Speaker 2: but I think it's ten days, so three oh so
Speaker 2: ten days. And then if they don't arrange financing, that's
Speaker 2: their fault. So anyway, that's one of the issues. Now.
Speaker 2: I wanted to talk about some stuff that is going
Speaker 2: on because it's it's really I can't believe how much
Speaker 2: financial crime there is right now going on. I just
Speaker 2: can't believe it. One in four people, one in four,
Speaker 2: twenty five percent of people are having ripoffs literally ripoffs
Speaker 2: in their bank accounts being hacked, usually from debit cards.
Speaker 2: They can do it through checks, they can throw it
Speaker 2: through any kind of ach. Listen, this is something we
Speaker 2: have to talk about. This is something that has to
Speaker 2: be addressed. We address all kinds of crime, we get upset.
Speaker 2: We even got upset with shoplifting. We get upshut set
Speaker 2: with illegal immigration, we get upset with all kinds of stuff.
Speaker 2: But I'm telling you there is a major, major problem,
Speaker 2: and that is when it comes to economic crime. People.
Speaker 2: Here is here's the thing I'm trying to tell people
Speaker 2: that they don't get, okay, and that is that there
Speaker 2: is no safety in the banking system. Okay, there's no safety.
Speaker 2: People are under the illusion there is some kind of
Speaker 2: a safeguard when someone wants to draw money from your account. Now,
Speaker 2: obviously they have to be crooked, right, But if I
Speaker 2: have two things from you, your ach and your account number,
Speaker 2: I can rob you. I can take.
Speaker 13: Every penny from your bank, every single dime, and when
Speaker 13: you complain about it, they investigate you.
Speaker 2: They investigate you. This is a dirty banking secret no
Speaker 2: one likes to talk about. As transfers. Now, I can
Speaker 2: think of only one way to do away with it.
Speaker 2: You shut down on all achs. But then you can't
Speaker 2: make auto payments, you can't do anything. So I don't
Speaker 2: know how or what the answer is. I don't know
Speaker 2: what it is, but one in four Americans are getting
Speaker 2: their life savings wiped out. Now, in some cases it's
Speaker 2: it's well, in most cases it's an ACH. In most
Speaker 2: cases that's an automatic clearinghouse. That's short for that. What
Speaker 2: that means is they wire money out of your account,
Speaker 2: they draft your account. You don't have to initiate it,
Speaker 2: you don't have to approve it. And I swear to God,
Speaker 2: if your bank tells you it can't happen, they're lying
Speaker 2: to you. And you don't always get your money back.
Speaker 2: That's the thing I'll bet you in the sound of
Speaker 2: my voice. Right now, there are dozens and dozens of people,
Speaker 2: maybe hundreds, I don't know, maybe thousands after this podcast
Speaker 2: goes out and people download it, that have had their
Speaker 2: money stolen. You don't need a password. They can take
Speaker 2: it from your debit card, they can take it from
Speaker 2: your check. That's how. Yeah, and there are other ways
Speaker 2: to get it. Now, let's talk about the other way
Speaker 2: they get it. Stupidity on people. Stupidity people who who
Speaker 2: touch links, they hit a link or they hit something
Speaker 2: thinking and they're ingenious. The phishing schemes are ingenius where
Speaker 2: they have you enter a username, a password, then they
Speaker 2: go to town. Now some of them, you may think, Okay,
Speaker 2: one is listen to this one on Exfinity, you're exceeding
Speaker 2: your your data for the month. Okay, to see your data,
Speaker 2: click here. It's not Infinity. You click, you got to
Speaker 2: enter user name of the password. Now, that's not your
Speaker 2: bank account. But similar things happen with your bank, especially
Speaker 2: when your computer freezes up. If your computer ever freezes up,
Speaker 2: if anyone ever says anything about your bank account, go
Speaker 2: into your bank or you initiate the call to your bank,
Speaker 2: and do not use any numbers supplied on email, and
Speaker 2: do not hit any links supplied by email to get
Speaker 2: to it. Now, twenty five percent are getting ripped off.
Speaker 2: Economic crime is the number one crime when it comes
Speaker 2: to victims and when it comes to money, more than shoplifting,
Speaker 2: more than all the illegal immigration crimes altogether, as if
Speaker 2: they're the only ones, but they're not. So what I'm
Speaker 2: saying is you have to take care of your bank account.
Speaker 2: I'm afraid right now about I don't know what to do.
Speaker 2: I really don't. There's got to be away because even
Speaker 2: some of these password keepers and all of these places,
Speaker 2: they can be hacked. And as one guy says, you've
Speaker 2: traded twenty five different passwords for one because they get
Speaker 2: into your vault. Now, does anyone have any good ideas?
Speaker 2: Would you let us know?
Speaker 5: Our banker is great with us. If anything seems out
Speaker 5: of the normal, a certain amount goes through anything, Nicole
Speaker 5: literally calls Suzanne before it leaves our bank and makes
Speaker 5: sure it's okay. And it doesn't matter if it's an ach,
Speaker 5: it doesn't matter what it is.
Speaker 14: Okay, Hey, Tom, So I had some really great advice
Speaker 14: from my bank because I had exactly the same concerns
Speaker 14: about people cloning checks. And we set up two systems.
Speaker 14: One is we opened a savings account for my business,
Speaker 14: so I only keep a little bit of money in
Speaker 14: my business checking account. The rest of it stays in savings,
Speaker 14: and then when that grows too high, it goes into CDs.
Speaker 14: And nobody can steal a CD from a bank, and
Speaker 14: it's very difficult to hit a savings account.
Speaker 2: Okay, three three seven, one three talk. That's one way
Speaker 2: keep a limited amount. But anything that has anything that
Speaker 2: has used the name of password, or anything that has
Speaker 2: an ach number, an account number, can be hacked, anything,
Speaker 2: anything at all. So while CDs are a low probability,
Speaker 2: they can be hacked. One of the safest instruments known
Speaker 2: to man is if you go to unless of course
Speaker 2: they get you use the name of password, but you
Speaker 2: can go to US Treasury direct bitcoin coin. Well, I'm
Speaker 2: talking about right now US Treasury bonds, bills and T
Speaker 2: bills and bonds and notes.
Speaker 14: You still have savings bonds, yeah, just not physical ones anymore.
Speaker 2: No, so, and then what Mark said? Bitcoin? We've had
Speaker 2: people call and had bitcoins completely missing. Where do you go?
Speaker 5: Yeah, but it was their own fault.
Speaker 2: Well, how do we know that.
Speaker 5: I don't think there's any way. I don't think anybody
Speaker 5: can break the encryption on those wallets. I don't think
Speaker 5: China can. I don't think anybody can.
Speaker 2: Bob.
Speaker 6: There was a young couple prosecuted I think about three
Speaker 6: years ago that were stealing a lot of big well.
Speaker 2: And a lot of them aren't necessarily stealing the bitcoins,
Speaker 2: but they're helping you set them up. And keeping track
Speaker 2: of it and then go and steal. In other words,
Speaker 2: they're not hacking in. They were there from the beginning.
Speaker 2: Or you set up. You set up without a legitimate wallet.
Speaker 2: Your your wallet wasn't legitimate to begin with, but they
Speaker 2: didn't rob it until you had a lot in there.
Speaker 2: Three o three seven one three eight two five five. Listen,
Speaker 2: we got to address economic crime, and we're gonna talk
Speaker 2: right now. Brenda, what is your question? Real quick? Go ahead,
Speaker 2: what is your question?
Speaker 15: Tom on the grandma and I have seven grandkids currently,
Speaker 15: I'm a retirement age. I don't have a lot of money.
Speaker 15: I just wanted to get you to talk about a
Speaker 15: little bit some investment I can put in for each
Speaker 15: of those grandkids into something that might grow over their lives.
Speaker 15: Not a lot of money, obviously, but just some ideas
Speaker 15: you had for investments.
Speaker 2: Sure for for low money, in gradual growth, safety for kids. Yeah,
Speaker 2: what would there? Okay, you hang on, well we'll come
Speaker 2: back and talk about that. Three oh three seven one
Speaker 2: three eight two five five. Okay. Frank durandereal estate man
Speaker 2: dot Com. Right now, if you're thinking about making a change,
Speaker 2: this is the time of year a lot of people
Speaker 2: think about change. Frank will give you a preview what
Speaker 2: your house will sell for based on his vast experience
Speaker 2: thirty years. It's a market valuation complementary, no obligation to list,
Speaker 2: and he can pretty much nail it based on the neighborhood,
Speaker 2: the comps, the supplying demand, the interest rates. He takes
Speaker 2: the conditions and gives you a price of what he
Speaker 2: thinks you can sell and what you'll net and what
Speaker 2: you can buy. Three oh three nine two zero sixteen
Speaker 2: twenty two nine two zero sixteen twenty two. Frank around
Speaker 2: the real Estate man dot com. Hi, Tom Martino, your
Speaker 2: troubleshooter three O three seven one three talks seven one
Speaker 2: three eight two five five. Let's talk to Brenda. Brenda.
Speaker 2: I'm going to bring up one of my experts here
Speaker 2: and he can listen to my recommendations and chime in.
Speaker 2: It's Pat Jollaf. Pat Jollaf is a financial advisor with
Speaker 2: me at Wave eight Wealth Management, the company I started.
Speaker 2: I want to tell you that I'm not trying to
Speaker 2: get your business. I'm just trying to tell you where
Speaker 2: we're at, and I'm going to tell you that sometimes
Speaker 2: no investing is better investing with just if you have
Speaker 2: very very low risk and not a lot of money. However,
Speaker 2: there are some really safe things for grandkids if you're
Speaker 2: what is your time horizon? If you like, when would
Speaker 2: they need the money or when do you want them
Speaker 2: to access the money?
Speaker 15: They're all young, they're too right now, and my obvious
Speaker 15: excellent cover excellent covering them, you know, kind of going
Speaker 15: forward for their lives, just with their parents. And then
Speaker 15: the second thing is I want them to have something
Speaker 15: that they can actually have and take from me, you know,
Speaker 15: twenty years from now when they get eighteen or whatever
Speaker 15: they are.
Speaker 2: That's wonderful. That's really good stuff. If it's twenty years,
Speaker 2: low risk secure. The longer the time horizon, the less
Speaker 2: risk you have to take, wouldn't you say that's true?
Speaker 2: Pat yep agree. Okay, now let's talk about this. A
Speaker 2: five twenty nine college plan is very basic, but it's
Speaker 2: only good if they're going to do it for college
Speaker 2: because it grows tax free. It grows tax free, and
Speaker 2: they never have to pay tax on the growth or
Speaker 2: any part of it if they use it for college. Okay, right,
Speaker 2: that's one way. Another one is a wroth, a custodial wroth,
Speaker 2: IRA and that allows long term growth tax free. And no,
Speaker 2: they don't pay any tax on that when they pull
Speaker 2: it out, whether they use it for college or not.
Speaker 2: So the difference is the five twenty nine, you got
Speaker 2: to use it for college, no tax, it grows a
Speaker 2: little better. The wroth grows the same tax deferred no tax. Ever,
Speaker 2: the other one are, uh, can you talk about low
Speaker 2: cost ETFs pat that do a broad market exposure and
Speaker 2: has very low fees and long term growth.
Speaker 16: Right, So yeah, ETFs exchange traded funds excuse me, or
Speaker 16: a basket for the investments. They're very much like a
Speaker 16: mutual fund. They just don't have a manager on them.
Speaker 16: And so I'm they're defined the investments that they hold
Speaker 16: and own are defined by market capitalization typically of the companies,
Speaker 16: the thought price, and so you know, for example, Schwab
Speaker 16: just to pick a flavor, they've they've got a number
Speaker 16: of exchange traded funds. SDHG is a symbol that I
Speaker 16: think the expense ray show on that's like seven basis points.
Speaker 16: So where one hundred basis points equals one percent, seven
Speaker 16: basis points is pretty nil.
Speaker 2: And you're, yeah, it's it's seven tenths of a percent
Speaker 2: and and if it's a twenty year horizon. Even though
Speaker 2: people speak against the market, in a well placed fund,
Speaker 2: the market comes through over time.
Speaker 16: Well, the injury is, you know, you've got to outpace inflation,
Speaker 16: and you know, the equity markets the only act class
Speaker 16: that have consistently done.
Speaker 2: That only time now.
Speaker 16: But the other thing, time is the mitigating factor for risk.
Speaker 2: What about Series one savings bonds? What do you think
Speaker 2: of those?
Speaker 16: Pat Yeah, those are okay too, depending on you know,
Speaker 16: where we are in the interest rates spectrum and what
Speaker 16: they're yielding. So I'm very safe. You know, a lot
Speaker 16: of times of people it's just not going to pass
Speaker 16: the sleep test unless there's some sort of government backed
Speaker 16: guarantee on it, or if the IC insured or whatever.
Speaker 16: So it really kind of gets back to what you know,
Speaker 16: your personal interests are and we're willing to do. As
Speaker 16: far as the risk.
Speaker 2: Now, there are actually dividend growth stocks which reinvest dividends,
Speaker 2: like Schwabs Dividend Equity fund. You have those very low risk.
Speaker 2: Then you have just good old fashioned mutual funds, but
Speaker 2: they're date mutual funds. You actually you actually commit for
Speaker 2: a time and another you know, so those are the basics. Now,
Speaker 2: there's always corporate or high quality corporate or municipal bonds,
Speaker 2: especially if you're not touching them, they can really grow
Speaker 2: and you have tax advantages. Then you have let's see, oh,
Speaker 2: just good old T bills, right, Pat, What do you
Speaker 2: think are they a little low on the returns as
Speaker 2: opposed to what we were talking about?
Speaker 16: Yeah, oh yeah, traditionally they would be. And again it
Speaker 16: gets back to a lot of reasons people go into
Speaker 16: that asset classes for safety and guarantees and things. Yeah,
Speaker 16: and the other thing to remember too, for tax deferral
Speaker 16: or capital assets. You know, unless you sell them, you
Speaker 16: have no gain. So if you buy stock for a
Speaker 16: dollar and it's increased in value based from market price
Speaker 16: to few dollars, but you don't sell it, you have
Speaker 16: no tax. And so when you do that and have
Speaker 16: a basket of stocks, you know, diverse fide portfolio and
Speaker 16: you need money out, sometimes you can tax harvest the
Speaker 16: money out where you you're offsetting one with a game,
Speaker 16: maybe with one that has a loss. If you have
Speaker 16: any of those, I.
Speaker 2: Have some good I have some good news for you though, Brenda.
Speaker 2: Here's here's the good news. You know how law firms
Speaker 2: take on a certain amount of pro bono work. Well
Speaker 2: we've we've dedicated ourselves to that too. So here's what
Speaker 2: I want to We don't want we don't want your money,
Speaker 2: we don't want to dine from you. You want some
Speaker 2: free advice, absolutely no obligation. Because you're a grandma, you're
Speaker 2: looking after your kids. I want you to call Pat.
Speaker 2: Just call them and this is there's no there's no charge,
Speaker 2: no sneak nothing. You just call them and he'll be
Speaker 2: happy to talk to you. Because that that's it. Just
Speaker 2: and and I'll give you the numbers three oh three
Speaker 2: seven seven to one. Help Okay, that's seven seven four
Speaker 2: five seven.
Speaker 15: What company will you with again?
Speaker 2: It's with Wave eight Wealth Management. And here's the disclaimer.
Speaker 2: It's my company. So I just want you to know that.
Speaker 2: But we're not looking for a time. I just want
Speaker 2: to let you know that I have to. I have
Speaker 2: to let people know that. Okay, So let's go on
Speaker 2: to uh, let's go on to Allen, who has a
Speaker 2: comment on roths. Go ahead, Alan, what's your comment?
Speaker 17: Yeah, so Tom, thanks for having me on, sir. Yeah,
Speaker 17: I just wanted to mention that rules changed on five
Speaker 17: twenty nine plans here recently. But now you can convert
Speaker 17: unused five twenty nine funds to the student's roth ira.
Speaker 17: You're right, yeah, but there are conditions, right, you have
Speaker 17: to hold you have to have the account for fifteen
Speaker 17: years before you qualify, and then you can convert up
Speaker 17: to thirty five thousand uh to their roth ira, but
Speaker 17: only a certain amount every year. I call it kind
Speaker 17: of like the best graduation gift that you can give
Speaker 17: is getting a student started with their roth ira. But
Speaker 17: it's tax three to convert converting, so it's almost like.
Speaker 2: A yeah, it's the best of both worlds. It's the
Speaker 2: best of both worlds. If they're going to keep it
Speaker 2: that long, you're right. And if yeah, yeah, and they're
Speaker 2: not going to go to college, well they.
Speaker 18: Can go to college.
Speaker 17: It's just any money that isn't used can go into
Speaker 17: their own roth ira. But it's huge, man, because last
Speaker 17: before you were stuck with it, right, Hey, the right
Speaker 17: got scholars right, and like what do we do with
Speaker 17: this money?
Speaker 2: You're right, Alan, But thank you so much for that.
Speaker 2: Appreciate it. I forgot to mention that, and that is
Speaker 2: an option that makes it even more attractive. Thank you, Alan.
Speaker 2: Three oh three seven one three A two five five.
Speaker 2: Hi Tom Martino here three oh three seven one three
Speaker 2: talks seven to one three two five five. Compass Insurance
Speaker 2: Group will do free insurance checkups for the asking three
Speaker 2: oh three nine nine six nine thousand. This is a
Speaker 2: good time year to do that three oh three nine
Speaker 2: nine six nine thousand. And you don't have to wait
Speaker 2: for the anniversary date to get a partial refund and
Speaker 2: move on to better coverage if you need it. The
Speaker 2: Insurancehealthcenter dot com. Hey Larry, what's going on with you? Larry?
Speaker 12: Welcome Tom. I heard you were talking about possible fishing,
Speaker 12: you know, fishing on accounts, financial accounts and that.
Speaker 3: Sort of thing.
Speaker 12: If you remember maybe three months ago where they announced
Speaker 12: that this one company, I don't know the name of it,
Speaker 12: but they had everybody's addresses, phone numbers, social security numbers,
Speaker 12: and telephone numbers.
Speaker 2: Well, there were a number of companies that did that
Speaker 2: over the years. I'm not sure which one specifically you're
Speaker 2: talking about.
Speaker 12: Go ahead, sir, Okay, So here's what I've done. Okay.
Speaker 12: Takes a little bit of time to set this up,
Speaker 12: but I believe once you set it up, okay, probably
Speaker 12: going to eliminate any of the problem down the road. Cool,
Speaker 12: go into and create a new email. Now, if you're
Speaker 12: on Google, create the email on Yahoo. If you're on Yahoo,
Speaker 12: created committed an Outlook or some other platform, some one
Speaker 12: other platform that you've never used before. They're all free
Speaker 12: down and then create that email. But it's not your name, okay,
Speaker 12: and it's not linked to your main email.
Speaker 2: Okay.
Speaker 12: So just let's for example, you create a new email
Speaker 12: called blueface at yahoo dot com.
Speaker 2: Right.
Speaker 12: Then you go to every one of your bank accounts,
Speaker 12: brokerage accounts, everything, and you you wipe out your original
Speaker 12: email and you put that email in there. Okay, okay,
Speaker 12: that's number one. Then you go to Walmart and you
Speaker 12: buy a track phone and you register the track phone.
Speaker 12: You know, I suggest you go to a library and
Speaker 12: use their computer, because otherwise you'll have your.
Speaker 19: E r L.
Speaker 12: And when you when you activate a track phone, basically
Speaker 12: you know slang is a burner phone. They don't they
Speaker 12: don't ask you for your name or anything. They simply
Speaker 12: ask you for an email.
Speaker 2: Okay.
Speaker 12: So they when you give them that blue face email,
Speaker 12: and now you have a phone connected to that email,
Speaker 12: right that really nobody else has because you've never sent
Speaker 12: an email out under that name, and you've never called
Speaker 12: anyone with that phone.
Speaker 2: Okay, okay, yeah.
Speaker 12: So then you know you buy three months airtime, which
Speaker 12: is like nineteen bucks at a time, and you only
Speaker 12: use that phone, and you only use that email for
Speaker 12: your financial accounts. Okay, you never call anybody, you never,
Speaker 12: you never even give it out to anybody. The only
Speaker 12: people have it are your financial accounts. I like what
Speaker 12: I'm here, So you know then? Yeah, so you know
Speaker 12: then if you get some sort of phishing expedition that
Speaker 12: you might not be aware of on your regular email,
Speaker 12: you're going to know right away. Listen, I don't have
Speaker 12: any of my normal emails connected with my financial accounts.
Speaker 12: This has got to be a scam.
Speaker 2: Wow, you know what. I like it? Hang on please,
Speaker 2: I want to ask you a couple of questions. I
Speaker 2: like that. I'm Tom Martine. We have more coming up
Speaker 2: on the Troubleshooter Show. We haven't genius listeners. I love them.
Speaker 2: Remember three oh three Martino, you can call twenty four
Speaker 2: seven as well. Three oh three six two seven eight
Speaker 2: four six six.
Speaker 1: Yeah, rip dum, bad news.
Speaker 3: You need advice who.
Speaker 20: You don't have the.
Speaker 3: Come running just as fast as we can.
Speaker 4: Show Shooter's gonna help coming.
Speaker 5: Man Dix is the Troubleshooter Show.
Speaker 2: No Tom Martino, Hi, Tom Martino here, Welcome to the show.
Speaker 2: Three oh three seven one three talk three oh three
Speaker 2: seven one three eight two five five. This hour brought
Speaker 2: to you by renew home Innovations dot Com. The shower
Speaker 2: conversions that are beautiful, done in two or three days,
Speaker 2: and you have seventy two months to pay with no interest.
Speaker 2: No one does it better than that. And you have
Speaker 2: stone walls that don't need any maintenance, and glass panels
Speaker 2: and wrap around glass where you don't need those doors anymore.
Speaker 2: I don't think anybody has doors anymore. Right, no thresholds
Speaker 2: to stumble or walk over. Renew Home Innovations dot Com.
Speaker 2: Three oh three nine zero four to two thousand two
Speaker 2: or three days, so you still get it done before holidays,
Speaker 2: believe it or not? Maybe not Thanksgiving? Right, renew home
Speaker 2: Innovations dot Com. Bob Logan's with us from plumb Line Services.
Speaker 2: Welcome to the show, Bob, and I want to ask you.
Speaker 2: Somebody texted us real quick here and they said, Bob
Speaker 2: mentioned they have people on and they wanted to know,
Speaker 2: do you actually do full service if they need it,
Speaker 2: or only emergencies on Thanksgiving, on holidays or around holidays.
Speaker 6: It's again, it's all volunteer. We're we're actually closed on holidays,
Speaker 6: so it's all volunteers. So typically it's it's emergency service repair.
Speaker 6: So if someone needs a new furnace, for example, yeah,
Speaker 6: you put it off obviously, Yeah, we'll get them. We'll
Speaker 6: get them heat, you know, we'll bring in space heaters,
Speaker 6: whatever we have to do or repair their unit to
Speaker 6: get him some heat for the night. But uh so, yes,
Speaker 6: it's it's mainly a mermency service.
Speaker 2: Is in most I've heard that Thanksgiving is one of
Speaker 2: the biggest plumbing days.
Speaker 6: It is, I mean, yeah, exactly, people. Why well, because
Speaker 6: people are putting stuff down their drains they shouldn't be.
Speaker 6: It's it's it's not always toilets, Tom It's yeah, it's
Speaker 6: it's typically kitchen sinks. They're putting stuff down the disposal
Speaker 6: that shouldn't go down a disposal. Yeah, all right, that's
Speaker 6: that's typically.
Speaker 2: On some line services dot com. We've been with these
Speaker 2: guys a long time from the very beginning. Dennis, by
Speaker 2: the way, he wants to talk about car insurance. Larry,
Speaker 2: I haven't forgotten about you, but I want to take Dennis.
Speaker 2: He's been waiting while Dennis go ahead.
Speaker 21: Yes, sir, uh, I had a car crushed by oak
Speaker 21: tree trunk during the snowstorm two weeks ago, and uh
Speaker 21: it was. It was an older car, and my apartment
Speaker 21: complex refuses to take any type of responsibility.
Speaker 2: Well, let's talk about it because there might there might
Speaker 2: be some bad news on who's responsible or if they are.
Speaker 2: But I want to hear the circumstances. You say you're
Speaker 2: two thousand and five Toyota Highlander. By the way, that's
Speaker 2: in the notes. That's why I know you didn't say it,
Speaker 2: But your two thousand and five Toyota Highlander was crushed.
Speaker 2: Now was this during a snowstorm or just regular sitting there?
Speaker 21: My car was marked in the parking lot of the
Speaker 21: Van Dyke building.
Speaker 2: That's by a big tree, right.
Speaker 21: By a big tree. It is on their parking lot,
Speaker 21: their tree. And I've been in good standing with the
Speaker 21: apartment complex for ten years and I love the people
Speaker 21: and I don't want to get aggressive and take them
Speaker 21: to court.
Speaker 2: Well you may not, sir, Listen, listen carefully. I want.
Speaker 2: I want to give you accurate information. You may not
Speaker 2: have a case. You may not have a case because
Speaker 2: something happens. It's not automatically liability. Okay, we got to
Speaker 2: create the scenario for liability. Well, not create, we have
Speaker 2: to examine if it is liability or negligence. So negligence
Speaker 2: which equals liability. So let's talk about it. Was this
Speaker 2: tree all decrepit and in disrepair.
Speaker 21: It was an old tree. It was kind of rotten,
Speaker 21: but they had attended to it in early fall as
Speaker 21: far as pruning and trimming some of the limbs off.
Speaker 2: That's bad news for you, It is so bad news. Yeah,
Speaker 2: because they were attending to it. But did they see
Speaker 2: a condition? Maybe? And this could possibly be that the
Speaker 2: tree service says you need to do this and they say, nah,
Speaker 2: we'd rather wait.
Speaker 21: I'm not aware of that, sir.
Speaker 2: Well you're not aware of it yet. But do you
Speaker 2: know the name of the tree company?
Speaker 11: No?
Speaker 2: I don't Okay. Next question. Is it a tree that
Speaker 2: someone would look at and say, wow, that looks like crap?
Speaker 21: Well it's an old garden wood. Yeah, you know how
Speaker 21: those things kind of rot out in the middle.
Speaker 2: Well no, I'm asking though, is it so apparently rotten
Speaker 2: that you expected to fall any minute.
Speaker 21: Well, when you see where it was broken off, it
Speaker 21: was rotten.
Speaker 2: No, I'm asking you, Dennis. I'm asking a question, and
Speaker 2: it's a trick question because you're going to be asked
Speaker 2: the question. Was it rotten enough that when you looked
Speaker 2: at it the common man could see it was rotten
Speaker 2: and in danger of falling?
Speaker 21: I can't say that for sure. I don't believe good.
Speaker 2: Good, because you wouldn't have parked there. That's good answer,
Speaker 2: by the way. Okay, Now, what do you think that
Speaker 2: the parking lot did that contributed to this?
Speaker 21: The parking lot did not be I just thought.
Speaker 2: That, what do you think Van You know what I
Speaker 2: meant by that, Van Dyke? What do you think Van
Speaker 2: Dyke did to contribute to this loss of yours?
Speaker 21: Well, I don't believe that they did anything to contribute
Speaker 21: to it. I just believe that they should be that
Speaker 21: they are somewhat responsible for tenants they see it because
Speaker 21: they writ and lived there, and that doesn't.
Speaker 2: Entitle me to okayection, So if you were parked there
Speaker 2: and a big semi truck came down and went into
Speaker 2: that went off the road into that parking lot and
Speaker 2: destroyed your highlander? Would they be responsible for that?
Speaker 18: They would be?
Speaker 21: Who would be? I would say the truck driver?
Speaker 2: That's right now. The parking lot would have nothing to
Speaker 2: do with it. I'm not trying to trick you. I'm
Speaker 2: trying to establish to help me whether the part whether
Speaker 2: the I want to know what the building did wrong.
Speaker 2: Just because there's a tree there doesn't make them liable
Speaker 2: for it, well it does, it makes but they have
Speaker 2: to be negligent. They have to know about a dangerous condition.
Speaker 2: And I'm thinking, why was it? Did it just break?
Speaker 2: Was a high winds? What did it just fall? That's weird?
Speaker 21: Gross because of the snow weight?
Speaker 2: Uh? Oh, bad answer. That's a bad answer.
Speaker 21: You know why the foreseeable act of God?
Speaker 2: Yeah, that's right. But Dennis, what do they say?
Speaker 21: They just say no, they just said we're not responsible.
Speaker 21: And you know what, I can I could swallow that.
Speaker 21: But let's just take a case where if the parking
Speaker 21: lot was uh even clear of ice, just it was
Speaker 21: dry pavement and I fell down? What about a slip
Speaker 21: and fall? Sometimes that Uh, they have to be responsible
Speaker 21: because he's on their property. Right.
Speaker 2: Nope, No, these are no these are all myths. No, okay,
Speaker 2: they're only responsible. They did something wrong. I want to
Speaker 2: get you to believe I don't believe. Hold on, though,
Speaker 2: let's wrong. You know what you waited. Hold On, let
Speaker 2: me get you some let me get you some information.
Speaker 2: Let's ask John Fuller his opinion, so we have a
Speaker 2: better picture of this. This show is all about education,
Speaker 2: it really is. So hang on, all right, and let's
Speaker 2: try to get uh let's try to get him on
Speaker 2: all right, John Fuller, just to talk about this in general.
Speaker 2: I want to ask Larry again. Now, Larry, I liked Mark.
Speaker 2: I don't see his camera up. Mark. I don't know
Speaker 2: if you're still on or not, but I don't see
Speaker 2: your camera. But Mark thought it was a ridiculous idea,
Speaker 2: and I wanted to ask him why because I think
Speaker 2: it's a good idea.
Speaker 5: Larry seems like a lot of work to go to
Speaker 5: Walmart and get a phone just for that purpose.
Speaker 2: But Mark, I think, no, no, hold on, I think
Speaker 2: what he's saying correct me if I'm wrong. And I
Speaker 2: want to explore this. Mark has good instincts. I just
Speaker 2: want to ask him, like Mark, like I have, and
Speaker 2: you have. You know, we have several accounts. So let's
Speaker 2: say I have five or six accounts. I have probably
Speaker 2: more eight to ten accounts, let's say, and if I
Speaker 2: use this phone for those, it's not a lot of
Speaker 2: work for all of that, right, I mean, I have
Speaker 2: one email and about and one the phone that I
Speaker 2: use just for financial transactions. That basically, if it's not
Speaker 2: in the public domain and I don't use it a lot,
Speaker 2: I don't. I kind of liked the idea, Larry, What.
Speaker 12: Did you mean you've reduced Well, you've reduced your chances
Speaker 12: of being scammed. Okay, maybe not completely, but you've reduced
Speaker 12: it ninety percent, I believe because they don't have your name.
Speaker 12: That's how they search people by name. Oh one other
Speaker 12: thing I didn't share. When you activate the phone, by
Speaker 12: the way, they're nineteen dollars. You have to ask for them, though, Well,
Speaker 12: my other wife, I want to sell you the thirty
Speaker 12: other one. When you activate it again from a public library,
Speaker 12: they'll ask you for that email address, which is that
Speaker 12: new email address you used blue?
Speaker 2: Yeah, but let me ask you something then and then
Speaker 2: there wait wait, wait, wait, wait, when there's something that
Speaker 2: might defeat the whole thing, I need to ask you
Speaker 2: this do you use apps on that phone. It's got
Speaker 2: to be a smartphone, so you do have apps on
Speaker 2: that phone for the accounts, right.
Speaker 12: The only thing you use on that phone is to
Speaker 12: receive a call from your bank or if they should
Speaker 12: call you, which they interview.
Speaker 2: Then when you want to gain access to get a text, Larry,
Speaker 2: we don't want to gain access to your account. Can
Speaker 2: you go on your laptop at home? How do you
Speaker 2: gain access online access? Because that's mandatory for me.
Speaker 12: I need no, No, you don't change that. You go
Speaker 12: right in because I mean, at that point, you're not
Speaker 12: being scammed. You're just using your own accounts. You just
Speaker 12: go on your computer access you know you let's say
Speaker 12: your Morgan Stanley account by putting in your new email
Speaker 12: blue face and your new phone number, and then they
Speaker 12: text you back to that phone number. Okay, really nobody
Speaker 12: else would have Okay, let me let me just share
Speaker 12: one other thing about the phone number. When you activate it,
Speaker 12: they asked you what area code you want, so you
Speaker 12: put in an area code where you've never lived. Okay,
Speaker 12: so you've never been to Utah?
Speaker 2: Can you activate? Oh you need the phone? Let you
Speaker 2: do that?
Speaker 12: Absolutely?
Speaker 2: Wow? You know, Larry, I don't. I don't hate this idea, Mark,
Speaker 2: do you hate this idea? Seems like a lot, But
Speaker 2: you keep saying that, what tell me what part that?
Speaker 2: What seems like a lot?
Speaker 12: What don't you like about it?
Speaker 2: Well?
Speaker 5: Okay, so I'm hearing you're going to have like a
Speaker 5: burner phone for what ten years?
Speaker 2: Plus?
Speaker 5: You go to the public library for what again?
Speaker 12: Just one time?
Speaker 5: I wouldn't even know where.
Speaker 2: A library is, just one time to set up the email.
Speaker 2: I don't think it just seems like at that's all
Speaker 2: I mean. I think it seems like a lot, Larry.
Speaker 2: A VPN. A VPN accomplishes the library.
Speaker 5: Yeah, I mean exactly. You can log onto av from
Speaker 5: your phone for that.
Speaker 12: You want.
Speaker 2: I'm Mark, He's not talking about going to a library
Speaker 2: every time you want to log on. And he said
Speaker 2: when you set up your email instead of he doesn't
Speaker 2: want people to have your IP. So you used to
Speaker 2: use a VPN. So you set up an email with
Speaker 2: a VPN. You once you get the email, then you
Speaker 2: have it and that's the one you use for all
Speaker 2: your financial transactions. It's not tied to anything you have.
Speaker 2: The user name is not your name. I like I
Speaker 2: actually like it. But I'm wondering, is it too late
Speaker 2: if I wanted to retrofit my accounts with one of
Speaker 2: these let's say, blind zhones.
Speaker 12: And here's why. Here's why, because if you go into
Speaker 12: any money of your financial accounts, they ask you under
Speaker 12: your profile what your phone number is and what your
Speaker 12: email is, and you just edit it and delete the other.
Speaker 12: That's all you do, and they don't have it.
Speaker 2: Wait, well, let's put it this way, Larry, I'm going
Speaker 2: to give you a for effort and a for for
Speaker 2: for creativity. I don't think it's terrible. I want to
Speaker 2: I want to noodle on it for a while.
Speaker 6: And did Larry say his email is blueface?
Speaker 2: Now that's why I was just teasing. Yeah, Okay, anyway, it's.
Speaker 12: Actually it's actually something that no no scammer would say.
Speaker 12: I'm not bothering with this.
Speaker 2: Listen, what business are you and Larry?
Speaker 12: You know, I'd rather not say, Tom, I'm just.
Speaker 2: Curious because of your I don't know, I like it.
Speaker 12: Let's just say that we we we had a high
Speaker 12: propensity for uh scamming and everything in my business.
Speaker 2: Okay, man, okay, have we.
Speaker 12: Employees and employees you know, employees you know they think
Speaker 12: they're doing the right thing. So you got to kind
Speaker 12: of build this around.
Speaker 2: Him, all right. Anyway, we got more coming up on
Speaker 2: Tom Martino. Hi, Tom Martino here three h three seven
Speaker 2: one three talks seven one three eight two five by
Speaker 2: John Fuller, our personal injury expert. Let's talk John. Hey,
Speaker 2: we have a caller and it's not really a person injury.
Speaker 2: But you know about liability, you know about negligence. That's
Speaker 2: your whole world. So he wanted to know his his
Speaker 2: truck is in the parking lot and it's destroyed when
Speaker 2: a tree falls on it. Now, he said later earlier
Speaker 2: in the fall, they were working on it a tree
Speaker 2: service and that's good. You know, they maintained it, took
Speaker 2: off some branches. Then he said, there was a heavy
Speaker 2: snowstorm and under the weight of the snow, a big
Speaker 2: giant branch fell and crust his car. And the apartment
Speaker 2: complex says, we didn't do it, and it's on their property.
Speaker 2: So what's the story, John, We hear this all the time.
Speaker 2: Occurrences don't equal negligence all the time.
Speaker 11: Right, You're exactly right, Town, That is a there's a
Speaker 11: great rule to live by. There. The bottom line when
Speaker 11: it comes to trees and stuff's absence some negligence on
Speaker 11: the part of the owner of that tree. For the
Speaker 11: most part, when it falls, you you know, you're on
Speaker 11: your own. There's no liability on that landowner. Now, what
Speaker 11: could constitute negligens Well, let's just say this would be
Speaker 11: an obvious case. What if they went out and they
Speaker 11: saw it about eight tenths of the way through the
Speaker 11: tree and then left it there, Well, that would clearly
Speaker 11: be negligence that would contribute to the falling of the tree.
Speaker 11: But under the facts that you set out, if they're
Speaker 11: maintaining these trees and then we just happened to get
Speaker 11: a big snowstorm and the weight caused the tree to fall,
Speaker 11: well that really is an act of God, and it's
Speaker 11: not going to be imputable to the landowner in most circumstances.
Speaker 2: So when I told him that, and again, you know,
Speaker 2: he's reasonable because he's not arguing with me. But Dennis,
Speaker 2: Dennis said, Okay, Tom, what about if I slip and fall.
Speaker 2: That's obviously something they take care of, So why wouldn't
Speaker 2: they take care of my car? And again, well, I
Speaker 2: think right there.
Speaker 11: Here, well, no, that's a good comeback. But let me
Speaker 11: explain why he's wrong. The situation with the Premisist Liability
Speaker 11: Act is and we actually have a statute that imposes
Speaker 11: a duty on the landlord to maintain their property in
Speaker 11: a way such that that accidents don't happen. And when
Speaker 11: accidents do happen, we we look at what the landowner
Speaker 11: did and we decide whether or not it fits under
Speaker 11: that statue. In the tree situation, we we don't have
Speaker 11: an analogous statute that defines the landowner's duty. We fall
Speaker 11: back on general negligence principles, and the overriding principle is
Speaker 11: that if you're not negligent, you're not liable. Okay, that's
Speaker 11: the main difference. You can be you know you can.
Speaker 11: You can have liability under that statutory rubric of the
Speaker 11: Premisist Life Ability Act if it falls under the statue.
Speaker 11: But negligence when with respect to that tree is a
Speaker 11: whole different ball of wax.
Speaker 2: I got it, I got it, John. Thank you. If
Speaker 2: you ever need John, He'll answer your questions. Three oh
Speaker 2: three five nine seven four five zero zero five nine
Speaker 2: seven forty five hundred. His website is call Fuller dot com. Now, Bill,
Speaker 2: what was your comment? For Dennis.
Speaker 22: Hey, what I had to do was I had the
Speaker 22: same problem with the tree. My name was tree fell
Speaker 22: in my yard and had I had to cut the
Speaker 22: I had to spend five hundred bucks to get it out.
Speaker 22: But anyway, so we were worried about the rest of
Speaker 22: the tree falling down and hitting the house.
Speaker 2: Yeah.
Speaker 22: So the tree guy said, call the city forestry or
Speaker 22: whatever it's called and have them take a look at it,
Speaker 22: and they did. City came out and they condemned it
Speaker 22: and they had to cut the tree down.
Speaker 2: Okay, Well that's good to event future. Thank you, Bill.
Speaker 2: We got more coming up on the Troubleshooter Show. Hi,
Speaker 2: Tom Martino your Troubleshooter three all three seven one three
Speaker 2: talk three all three seven one three eight two five five. Troy,
Speaker 2: real quick, you have a comment on security, I think
Speaker 2: because we were talking about security for financial stuff and
Speaker 2: bank accounts. Is that what you talk about, Troy?
Speaker 19: Yeah, and the guy talking about the track phone, Yeah,
Speaker 19: it was. It's not a bad idea. Uh So what
Speaker 19: you're talking about is two factor authentication and you're using
Speaker 19: your phone as your second factor something you have.
Speaker 2: Yeah, that's one of the reasons. That's one of the reasons.
Speaker 19: Yes, yeah, yeah, so separating uh you know that method
Speaker 19: of authentication away from your everyday, every use phone and
Speaker 19: setting up a second email address and only using it,
Speaker 19: you know, through a completely separate device is a really
Speaker 19: good idea. I'm not sure if I agree with his
Speaker 19: idea of opening up a Yahoo account. There's another web
Speaker 19: service or email service called Proton pro pln.
Speaker 2: And what's good about Proton.
Speaker 19: It's in it's hosted out of Switzerland, so the Swiss
Speaker 19: laws on privacy are insane. So somebody getting access to
Speaker 19: that system, they would really have to be wanting to
Speaker 19: go after you.
Speaker 2: Well do you really think that it's well do you
Speaker 2: think that Google? I mean really, Gmail was just an
Speaker 2: anonymous name. What's wrong with that?
Speaker 19: So somebody told me a long time ago, if you
Speaker 19: don't know what they're selling, it is you. So everything
Speaker 19: about Google and Gmail I love that old harvesting data.
Speaker 19: So there is nothing anonymous about Gmail or Google. So yeah,
Speaker 19: I'm a cybersecurity profession and yeah, so I'm also not
Speaker 19: afraid of the last pass. It's a very good password
Speaker 19: manager because everything is encrypted on their site.
Speaker 2: WHOA, Okay, where are they out of.
Speaker 23: Uh?
Speaker 19: I'm not sure where they're actually it's all hosted, you know, online,
Speaker 19: So I use last Paths for everything because it generates
Speaker 19: a random password, just a scramble of numbers and characters,
Speaker 19: and you can adjust the size of the password to
Speaker 19: meet whatever the requirement is for the westside that you're visiting,
Speaker 19: and then it auto populates the use the name of password.
Speaker 2: H Well, that's we talk about. Thank you. I appreciate it. Okay, Troy.
Speaker 2: Feel free to call in when we're talking about these issues. Becky,
Speaker 2: what's going on? Hi? Becky?
Speaker 22: Well, hello there, what's happening?
Speaker 10: What's happening? I? I am absolutely at wits end with
Speaker 10: century Link because of late fees upon late fees that
Speaker 10: they have assessed me. For the last four months, including
Speaker 10: this month of November. I have been in touch with
Speaker 10: them twice, once in July, once in October because we
Speaker 10: had a medical situation, in an emergency medical situation that
Speaker 10: ended up in the death of that family member and
Speaker 10: then being older she was in the senior community, we
Speaker 10: had this have to.
Speaker 2: Do now with century Link? What's going on?
Speaker 10: What does it have to do with century Link? Is
Speaker 10: that I called them up and I said, these are
Speaker 10: my extenuating circumstances, and that's why my bill was laid
Speaker 10: so that I said that at the beginning. Yeah, my
Speaker 10: bill was late in paying it.
Speaker 2: So how do you normally pay your bill? Becky?
Speaker 10: Excuse me?
Speaker 2: How do you normally pay it?
Speaker 10: Check the old fashion way? They don't do auto pay,
Speaker 10: they have offered it to me. I just don't do
Speaker 10: auto pay. I like to see a.
Speaker 2: Lot of are people. A lot of people agree with
Speaker 2: you on that. I don't. I do auto pays. If
Speaker 2: I initiate them and can stop them, I do it.
Speaker 2: So let's just talk about this though. What did they
Speaker 2: say about it?
Speaker 10: In essence, what they said is there are no adjustments
Speaker 10: and no consideration for extenuating circumstances.
Speaker 8: Because how does it affect you?
Speaker 10: How does it affect me? Well, I get sixteen bucks.
Speaker 10: I have two lines, so every month it's sixteen dollars
Speaker 10: per a line as a late scene and that has
Speaker 10: a sixteen.
Speaker 22: How late was it the first time?
Speaker 10: I think it was too late? Two days? And then
Speaker 10: thereafter I think what is happening is because I won't
Speaker 10: pay the full amount I paid just the basic service
Speaker 10: with the Now.
Speaker 2: You're late every single month.
Speaker 10: Now I'm late every single month.
Speaker 2: How much is it total?
Speaker 12: Right?
Speaker 3: Now?
Speaker 10: Have one hundred and twenty eight dollars?
Speaker 2: Yeah, see, you're not going to win this one. You
Speaker 2: know what you can? Well, you know, here's the deal.
Speaker 2: I think you should have paid then protested, because letting
Speaker 2: it go partial, it's like a mortgage that's partial. They'll
Speaker 2: keep marking you late and you don't win it that way.
Speaker 2: If you did it one time, that's different. And then
Speaker 2: you go and say I shouldn't have been charged a
Speaker 2: late charge. Now when did you first talk to them
Speaker 2: about extenuating circumstances?
Speaker 10: July fifth? And the way that that was it?
Speaker 2: The first was it after the first late payment?
Speaker 10: I think it was. Let me look at my notes.
Speaker 2: Yeah, that's what I'm wondering because it's kind of uh man,
Speaker 2: I just don't think it's gonna work. So you can
Speaker 2: What do you use them for?
Speaker 10: I'm sorry, mister what you said?
Speaker 2: What do you use them for? Regular phone service? Or what?
Speaker 10: We have two lines? It is regular phone services. That's
Speaker 10: all we do. We don't do any bundle and we'll
Speaker 10: live out here in the country and so century Link
Speaker 10: is our only choice.
Speaker 2: Hold on, so you live out in the country and
Speaker 2: you don't do online payments and you have landlines, two
Speaker 2: of them. Yes, oh do you still milk your cow?
Speaker 10: Well I'm not here, but yes.
Speaker 2: Oh Becky, Okay, listen, there's one other thing you could do. Now.
Speaker 2: You know, centry Link is not the only service available
Speaker 2: for phones.
Speaker 10: You could breaking up.
Speaker 2: Okay, I said, centry Link. See that's your phone line.
Speaker 2: Centry Link is not the only option you have for
Speaker 2: phone os. You may want to threaten to leave to
Speaker 2: see what they say. Say, Look, how long have you
Speaker 2: been a customer?
Speaker 10: Well, we've been out here almost thirty years.
Speaker 2: Come on, and they won't waive a damn late fee.
Speaker 2: Come on, you've been paying since that late fee. You
Speaker 2: know what, Deputy d I want you to use your
Speaker 2: negotiating skills, and I want you to this is a
Speaker 2: thirty year customer. They ought to be begging people. You know,
Speaker 2: they don't have any landline anymore, any landline customers except
Speaker 2: for Becky and her husband. I think, well there might
Speaker 2: be a couple more.
Speaker 10: But right my neighbor the street.
Speaker 2: Maybe, Deputy Doc.
Speaker 14: I was sure, are we that this isn't entirely Becky's fault?
Speaker 24: I mean she was.
Speaker 14: I don't doubt it was her fault.
Speaker 2: I don't doubt it was her fault. She was late, yeah, okay,
Speaker 2: and she thought, hey, give me a break, I'm late.
Speaker 2: Didn't so she just kept paying her bill like normal.
Speaker 2: Technically she was really only late ones I mean technically
Speaker 2: because she kept paying her normal bill on time, and
Speaker 2: but they kept, of course rightly so seeing it was
Speaker 2: a deficit, therefore late again, late again, late again, late
Speaker 2: on late, late on late. So I'm not even sure
Speaker 2: that's entirely legal, to be honest with you, because that's
Speaker 2: compounding without I mean, late on late is different than
Speaker 2: if she didn't pay. I mean, I would just say,
Speaker 2: but if you don't feel strongly about I don't want
Speaker 2: you calling.
Speaker 24: In seeing what they would say.
Speaker 2: I'm not even insinuating as her it's their fault at all.
Speaker 2: They're doing every yeah, saying a thirty year customer with
Speaker 2: a landline, But it could go both ways. They don't
Speaker 2: have many landline customers, and they don't care.
Speaker 24: I don't think they might want to get rid of
Speaker 24: her any exactly.
Speaker 2: I don't know if they care about landline customers. What
Speaker 2: do you pay for your lines?
Speaker 10: I'm just curious approximately now about one hundred and thirty
Speaker 10: four months for two lines on two lines, and it's
Speaker 10: gone up incrementally.
Speaker 24: Phone coverage, do you have cell phone?
Speaker 10: Self phone coverage? And now, thankfully because of Elon Musk,
Speaker 10: we have unlimited internet which we didn't used to have
Speaker 10: until about fourteen months ago.
Speaker 2: How is that starlink service?
Speaker 10: It works pretty well? Overall, it works pretty well.
Speaker 2: What were you doing?
Speaker 10: We live in the valley and so sometimes we have
Speaker 10: the intermittent signal that doesn't come through. That's why we
Speaker 10: need it for that. I'm willing to give up one
Speaker 10: land line what we're doing the other we need. We
Speaker 10: just need one reliable line.
Speaker 2: Why. I'm just curious. I mean, I'm not trying to
Speaker 2: talk you out of it.
Speaker 10: Why no, No, that's fine because my husband going to have
Speaker 10: this conversation more than once. Why do we need the
Speaker 10: landline just as a backup to our cell phones? We're
Speaker 10: not That's probably how we think. Maybe we need an
Speaker 10: update on how we look at technology and these kinds
Speaker 10: of services.
Speaker 2: I don't know how old are you? How your mind?
Speaker 10: If I asked, how are you sixty nine and a half?
Speaker 2: Oh, come on a landline? You don't need it. I
Speaker 2: mean you can, I'll tell you. I mean that's up
Speaker 2: to you obviously, but anyway, I think you're wasting money.
Speaker 2: Three oh three seven one three eight two five five. Listen,
Speaker 2: we're gonna have Deputy d assign this year. He's going
Speaker 2: to give it a try, see if he can call
Speaker 2: him and I don't know, let's just do it. I'm
Speaker 2: Tom Martino, more up on the Troubleshooter Show. Hi, Tom
Speaker 2: Martino your troubleshooter three O three seven one three T
Speaker 2: seven one three eight two five five. Bob Logan is
Speaker 2: with us from plumb Line Services. I do have some
Speaker 2: texts I'll get you. But Gail has a question or
Speaker 2: has an issue. Hey Gail, what's going on with you?
Speaker 25: File time?
Speaker 23: Hi?
Speaker 25: So I had a problem with my vehicle, my car. Yes,
Speaker 25: the engine light was on, Yes, And I took it
Speaker 25: into Christian Dollars Motors and for diagnosis and I paid
Speaker 25: one hundred and forty nine dollars and then there's.
Speaker 2: This bottle hold on, is this someone in Parker.
Speaker 25: No, it's in North Glenn, Okay.
Speaker 2: And what happened?
Speaker 10: Yeah?
Speaker 25: And then they said that whatever was wrong with my car,
Speaker 25: it would be eight hundred dollars eight hundred to one
Speaker 25: thousand dollars to fix it. So I said, we'll fix it.
Speaker 25: I paid the eight hundred dollars.
Speaker 2: I grow, you didn't ask when I was wrong with it?
Speaker 25: Well, I know it was wrong. It was something with
Speaker 25: the gasket or something. I don't know. So I don't
Speaker 25: know cars, so I trust people that do know cars.
Speaker 25: So they fixed it. They said, yeah, that everything's fixed.
Speaker 25: The next day I drove out. I was driving home
Speaker 25: from work the engine light came on. It was a Friday.
Speaker 25: They're not open on the weekend, so I took it in.
Speaker 25: When I could make an available appointment, I took it
Speaker 25: back in. They had it for the day. They looked
Speaker 25: at they charged. They wanted to charge me again for
Speaker 25: another diagnostics, even though that's the original reason I brought
Speaker 25: it in. And then they said, well, your engine is dead,
Speaker 25: like you need a brand new engine and it'll cover.
Speaker 2: Tell me about your car, Okay, what is it?
Speaker 25: It was a twenty seventeen. It was a two thousand
Speaker 25: and seven team. I don't own it anymore, twenty seventeen
Speaker 25: Lincoln MKC link.
Speaker 2: Well, how many miles on it?
Speaker 25: Sixty eight thousand?
Speaker 2: It was very unlikely. Why would your Why did they
Speaker 2: say your engine was gone?
Speaker 25: They said that there was a problem with the fluid
Speaker 25: into the engine coolant.
Speaker 2: Well, but okay, I mean this is weird.
Speaker 3: So how long?
Speaker 2: How long? I don't know if I entirely believe them.
Speaker 2: How why didn't they notice that the first time?
Speaker 25: That's exactly my question, Tom, I said.
Speaker 2: Okay, hold on, how did you pay? How did you
Speaker 2: pay that money the first time?
Speaker 25: I just I just put it on my credit card?
Speaker 25: Eight hundred dollars.
Speaker 2: Well, I would contell. How long ago is this?
Speaker 25: Oh, it's a couple of weeks ago.
Speaker 2: And you got rid of the car already?
Speaker 25: Yeah, because I don't want to buy the car. Would
Speaker 25: have been underwater, I still owed on my car and
Speaker 25: then to pay eleven thousand dollars.
Speaker 2: Wait wait wait wait wait wait wait wait wit car?
Speaker 2: Wait wait wait wait? If you were underwater? Okay, hold on,
Speaker 2: what did you do with the car?
Speaker 25: I took it back to I took it to Sotahar dealership?
Speaker 25: Did the car I'm not going to buy another car?
Speaker 2: Okay, what did they do? Did they give you any
Speaker 2: allowance on that car at all?
Speaker 7: Yeah?
Speaker 25: They gave me four thousand dollars.
Speaker 2: I doubt it, but you leased a car, so I mean,
Speaker 2: I don't you got I don't even want to account
Speaker 2: how many times you got screwed here, so don't. There's
Speaker 2: nothing we can do about it. Even if they did
Speaker 2: screw you, we can't prove it, can't prove it. You
Speaker 2: don't have anything. I mean, I'd go after him for
Speaker 2: the eight hundred, but you don't even have the car
Speaker 2: to prove it. We have nothing, We have no Gail.
Speaker 2: I'm with you, I'm on your side, and I look
Speaker 2: at All I can say is I don't believe the
Speaker 2: first time I have a gut feeling. We have more
Speaker 2: coming up on The Troubleshooter Show.
Speaker 1: Yeah, ripped up, bad news, You need advice? Who you
Speaker 1: don't have the.
Speaker 3: Come running just as fast as we can show.
Speaker 4: Shooter's gonna help. Come man, This is.
Speaker 5: The Troubleshooter Show.
Speaker 2: No Tom Martino, Hi, Tom Martino here, Welcome to the show.
Speaker 2: Three zero three seven one three talk three oh three
Speaker 2: seven one three eight two five five. What's going on
Speaker 2: in your life? How can we help you? All you
Speaker 2: have to do is call us. Gal's on the phone now.
Speaker 2: An issue with Christian brothers I don't like the I
Speaker 2: don't like what I'm hearing, but there's nothing we can do.
Speaker 2: Or she did call in and let me explain something
Speaker 2: to you, folks. If you I ever have questions on
Speaker 2: car repairs or the way you're dealt with, and you
Speaker 2: get rid of the car, we're done. There's nothing we
Speaker 2: can do. She brought a car in, They said she
Speaker 2: needed an eight hundred dollars repair. She did it now
Speaker 2: that then the light came back on. Then they said,
Speaker 2: well we need now you need a new engine. She
Speaker 2: had only sixty eight thousand miles on a twenty seventeen
Speaker 2: Lincoln MKC. I don't think she needed who knows for sure,
Speaker 2: but I don't think so. I mean, even if she
Speaker 2: needed some repairs in any case, So she traded the
Speaker 2: car and leased another one. So that's done. I just
Speaker 2: thought that it's too bad, so sad. But you can't
Speaker 2: go back after you get rid of the car itself.
Speaker 2: All right, So our guests say, Bob Logan plumb line services.
Speaker 2: You know, we talked about holidays in general and emergency
Speaker 2: calls and all that, and what's I think the number
Speaker 2: one problem in a drain, well, other than just a
Speaker 2: bad drain. I mean they're bad drains. They're old. You
Speaker 2: have an old house, right. Oh. One of the problems
Speaker 2: is grease, right, isn't that the main thing or not?
Speaker 2: Or is that just grease? What that?
Speaker 6: That is certainly a big problem in kitchen lines because
Speaker 6: people dump grease. They think if they run this grease.
Speaker 2: Well, does it eventually go down? I mean, what does
Speaker 2: grease do?
Speaker 12: Now?
Speaker 2: It doesn't.
Speaker 6: It starts to coagulate, and it'll harden almost like a
Speaker 6: almost to the point towards like concrete. So each time
Speaker 6: you dump grease in there, it'll it'll start restricting that
Speaker 6: line until gets smaller and smaller and smaller, until it
Speaker 6: eventually clogs.
Speaker 2: And I mean.
Speaker 6: There are you know, these are a lot of these
Speaker 6: over the counter treatments are not necessarily good for your drains,
Speaker 6: but there are products that you can use, a product
Speaker 6: called PT four bioclean bio one, there's some there's some
Speaker 6: organic products used without dumb chemicals down the line to
Speaker 6: help prevent that. But once that line gets clogged, you
Speaker 6: need to get it snaked out, and that's really the
Speaker 6: only way to get it cleaned.
Speaker 2: Now.
Speaker 6: Outside of that, I mean, if you're constantly having problems
Speaker 6: with your drain lines, whether it's kitchen, toilets, showers, again,
Speaker 6: it could be like hair and showers or something like that.
Speaker 6: But a properly functioning line should not clog. It really
Speaker 6: should not clog. Especially when you get backups with your
Speaker 6: toilets and stuff something, there's probably a bigger issue that
Speaker 6: you need to get figured out.
Speaker 3: You know.
Speaker 2: That's one thing that I think it's an automatic ripoff
Speaker 2: by many many companies. When you have a slow drain,
Speaker 2: it doesn't always mean you need a new drain, right,
Speaker 2: I mean once you but okay, so what are the
Speaker 2: what's the difference between a slow drain and a bad drain?
Speaker 6: Bad drain? So a lot of a lot of the
Speaker 6: drains in Colorado are made out of what's called clay tile.
Speaker 6: So if you think of those those pots, those red
Speaker 6: pots that people use for garden, that was the old
Speaker 6: train line. That's what it's made out of.
Speaker 2: And there there's still something like that.
Speaker 6: Oh, there's there's thousands throughout Denver. I mean, that's what
Speaker 6: most of them were designed from. And they got a
Speaker 6: limited line.
Speaker 2: Did they change that?
Speaker 6: What year seventies is when they started using clay seventies
Speaker 6: when they started using plastics. And and of course the
Speaker 6: plastics have gotten better as well, but so mid.
Speaker 2: Seventies backward, you you could have clay, yeah, and exactly.
Speaker 6: And so you know, even with the plastics, if they're
Speaker 6: not put in properly, you could have low spots. Yeah, bellies,
Speaker 6: bellies and of offsets.
Speaker 2: Okay, So but cracks tree roots.
Speaker 6: People think that it's normal to snake out tree roots.
Speaker 6: That's not normal.
Speaker 2: No, what they say is it's maintenance, right, It isn't normal.
Speaker 2: Why do they think intrusion of tree roots is.
Speaker 6: Normal because they've been told that because somebody's going to
Speaker 6: charge you three four or five hundred dollars to clean
Speaker 6: them out every year. And we're of the opinion that
Speaker 6: you may as well get it fixed.
Speaker 2: Now.
Speaker 6: We can certainly snake it out or jet it out
Speaker 6: and get rid of those tree roots, but they're just
Speaker 6: going to come back. They're they're penetrating the line because
Speaker 6: you have a crack or an offset or something else
Speaker 6: going on there. But you can line those lines right,
Speaker 6: some you can line them, that's that's one way of
Speaker 6: doing repair. You can burst them, you can excavate them
Speaker 6: and replace the line. There's a lot of different ways
Speaker 6: to do it, but so we're we're of the opinion
Speaker 6: give a client some options, tell them exactly what's going on.
Speaker 6: They might they might just want to fix that one spot.
Speaker 6: They might want to fix their whole line from the
Speaker 6: house to the street. They might want to do everything
Speaker 6: in the yard. So our job is to educate a
Speaker 6: client on what exactly is going on and what the
Speaker 6: options for repairs are and then let them make the decision.
Speaker 6: And some of these repairs are pricey, so we offer financing.
Speaker 6: If somebody needs financing, we can do low monthly payments
Speaker 6: on it. Again, they're the homeowner, it's their money, it's
Speaker 6: their house, it's their budget. We're just there to educate
Speaker 6: them and give them options.
Speaker 2: Now on the newer lines, though, you would very seldom
Speaker 2: have Well, what would be a reason to replace a
Speaker 2: new line?
Speaker 6: Typically it's a belly. Typically it wasn't during construction, wasn't it.
Speaker 2: But that can be just taken out right in that area,
Speaker 2: in that one area. Yes, So typically that's what.
Speaker 6: We call it if it's in good shape, right, because again,
Speaker 6: plastic is gonna last seven hundred years, so chances are
Speaker 6: it's not the line that's bad, right, and so yes,
Speaker 6: we'll just go in and cut that one section out
Speaker 6: and fix the belly.
Speaker 2: Now. Becky called earlier in she said she had a
Speaker 2: late fee because she had extenuating circumstances in the family
Speaker 2: and she felt badly about it, but she was late
Speaker 2: and they charged her thirty two bucks sixteen dollars a line,
Speaker 2: and she said she thought it was she wanted a
Speaker 2: special circumstance and they said no, so she kept paying
Speaker 2: her normal balance. So each month because the whole amount
Speaker 2: wasn't paid, she got another sixteen dollar charge's up to
Speaker 2: over one hundred bucks. Or she got another thirty two
Speaker 2: dollars charge sixteen per line, and she's upset and she goes, look,
Speaker 2: I've been a customer for thirty years, Brian, you have
Speaker 2: a comment on that problem. Go ahead, Brian, Yes.
Speaker 26: I'd feel sorry for that woman. If your deputy can't
Speaker 26: can't ad any leeway with a.
Speaker 2: Cent yeah, centry link, yes.
Speaker 26: Yeah, tell her I'll pay the late fee. I'll either
Speaker 26: give you guys the money or she can call me.
Speaker 26: I'll send her money on it. But I want her
Speaker 26: to get caught up. But under one condition that she
Speaker 26: does cancel one of the lines, I don't want this
Speaker 26: happening to her again.
Speaker 2: Yeah, you know what, Thank you very much. That's very
Speaker 2: nice of you. And take his name and number down.
Speaker 2: We always we always like people who willing to help
Speaker 2: out people. I want to talk about something else on
Speaker 2: text here. One guy says that one of the best
Speaker 2: things he thinks for security our past keys. Now, let
Speaker 2: me get this straight. Our past keys where you plug
Speaker 2: it into your computer, so you actually carry it with
Speaker 2: you and you you have to plug it in where
Speaker 2: you are. Is that what a past key is? Because
Speaker 2: I don't know if I use a pass key, it's
Speaker 2: different than a password, right, Mark, do you know what
Speaker 2: a past key is?
Speaker 5: Of course?
Speaker 2: What is it?
Speaker 5: Well, there's some that go right on thumb drives in
Speaker 5: order to access stuff.
Speaker 2: You got about what I'm saying, So go ahead, Yeah, no,
Speaker 2: that that's it. So, so it's like a USB drive
Speaker 2: that you'd carry with you.
Speaker 5: Yeah, and it's encrypted, encrypted.
Speaker 2: So it could be on your key ring or something.
Speaker 2: Some say it.
Speaker 5: Could be pretty much anywhere. I mean, that works very well.
Speaker 5: I think just dual authentication works the best for most people.
Speaker 2: Now, not all that. They said. It could be on
Speaker 2: your phone too. They have pass keys that go on
Speaker 2: your phone.
Speaker 5: Well, like on your phone, you can use a thumb
Speaker 5: print for example, that could be a pass key. You
Speaker 5: could literally have a pass key when those computers have
Speaker 5: pass keys.
Speaker 2: Now, yeah, on my laptop, I've always had that fingerprint thing.
Speaker 5: You can do yep, more face recognition of course on
Speaker 5: a phone.
Speaker 2: Yeah, so apparently that's where the industry's going. Past keys.
Speaker 5: Well, i'll tell you one that works great, Charles Schwab.
Speaker 5: They have voice authentication that works. It's remarkable how well
Speaker 5: it works.
Speaker 2: Oh really, so they can. I wonder if anyone could
Speaker 2: ever trick it.
Speaker 5: I don't think so. I thought about that, like AI,
Speaker 5: I don't think it works that way or else. Why
Speaker 5: would they be using it using it?
Speaker 2: Wow, you're you're right, You're right, they wouldn't, not on
Speaker 2: something like that.
Speaker 5: Yeah, so I finally invoked it. It works pretty well.
Speaker 5: As soon as you call up, you say uh, you
Speaker 5: basically say a sentence, and then all of a sudden
Speaker 5: it authenticates you. So when it does put you through
Speaker 5: to somebody, you don't have to answer you know, ten
Speaker 5: different questions again.
Speaker 2: Right, I love that idea. Wow, that's pretty cool. All right,
Speaker 2: thank you I'm Brian. You know, like I said, you
Speaker 2: know it may or may ye know who knows. I mean,
Speaker 2: she's got this problem, and I think she. I mean,
Speaker 2: I really appreciate you offering, but people don't. Whatever you
Speaker 2: do with a mortgage or anything, don't let it pile up. Okay,
Speaker 2: don't ever let it pile up. Bob Logan, I have another.
Speaker 2: Oh no, this is not for Bob. Well maybe it
Speaker 2: is if you need an it you guy. Here, here's
Speaker 2: what a guy says. Listen to this one.
Speaker 6: Definitely not Bob Logan, Nana.
Speaker 2: Although it would be tough to prove. In my opinion,
Speaker 2: I am not getting any job offers from ninety nine
Speaker 2: percent of the companies I'm applying with on LinkedIn zip recruiter. Indeed,
Speaker 2: blah blah blah. Once they look at my application and resume,
Speaker 2: they see I am sixty five years old, and it
Speaker 2: looks like an automatic disqualifier. I am qualified as most
Speaker 2: as qualified as a twenty one year old for most jobs,
Speaker 2: have more experience, more reliable college, and I'm as smart
Speaker 2: as anyone they hire.
Speaker 5: What kind of jobs are looking for?
Speaker 2: Here's what he says. Unfortunately, only two companies out of
Speaker 2: forty even bothered to interview me. One was for an electrician.
Speaker 2: Here's what I think. People are afraid I'm going to
Speaker 2: retire in a year or so. But there's no guarantee
Speaker 2: a twenty one year old is going to stay either.
Speaker 2: Although at sixty five, is it a fair question? I
Speaker 2: think it's a fair question to answer, are you going
Speaker 2: to retire in a year? I mean, I don't know.
Speaker 2: If I'd want to invest a lot of training and
Speaker 2: time and somebody's going to retire in a year or two,
Speaker 2: I'd be terrified. Yeah. Anyway, here's what he does because
Speaker 2: I asked him that he's been in it for forty
Speaker 2: two years.
Speaker 12: And.
Speaker 2: But this what does what I don't understand, but not
Speaker 2: so much Windows software experience. He knows hardware integration, and
Speaker 2: he knows a lot of different programs. He can repair
Speaker 2: IBM servers. Jesus know what he uses intell an IBM service.
Speaker 2: I can figure flash flash diagnosed, repair laser printers. That's
Speaker 2: another thing going away. I also ran, well, this is
Speaker 2: good when sixty five hundred square foot warehouse shipping and
Speaker 2: receiving inventory. I can repair cables, soldering voltmeters. You know,
Speaker 2: somebody's an electronic technician and IT guy. I have a
Speaker 2: degree in electronic technology. He's applied for IT jobs, technician jobs,
Speaker 2: warehouse jobs. He's done installations, cabling, power.
Speaker 5: I mean, I know, for example, Amazon's hiring.
Speaker 2: Like for drivers and stuff.
Speaker 5: Well, definitely drivers, but I mean he just you said warehouse.
Speaker 5: That's why it made me think of that.
Speaker 2: Yeah, yeah, you know, yeah they are hiring, but is
Speaker 2: you know, look at I don't like the idea. I
Speaker 2: don't like that older people might be overlooked. But if
Speaker 2: I had a choice between a forty year old or
Speaker 2: a sixty five year old, has nothing to do with
Speaker 2: their ability. It's the time horizon because you have to
Speaker 2: invest a certain amount of money, right don't you. You
Speaker 2: have to invest us.
Speaker 5: And just ask ask Bob Logan sitting next to you,
Speaker 5: how longs it take for you guys to train up
Speaker 5: in HVAC tech that can finally go out on his
Speaker 5: own and live up to company standards?
Speaker 2: What a year?
Speaker 6: Yeah, that's just to do basic maintenance. If they're if
Speaker 6: they're starting from scratch.
Speaker 5: Yeah, that's I mean, think about that, Tom, what on
Speaker 5: someone that's green has a year invested in them. Mostly
Speaker 5: all not only are they getting paid, of course, but
Speaker 5: the training, the schooling and all of that.
Speaker 6: And again that's just maintenance. That's just basic maintenance. Even
Speaker 6: even technicians that come to us with ten fifteen years
Speaker 6: of experience will invest a good six months to a
Speaker 6: year just to teach them the plumbline way.
Speaker 2: Yep.
Speaker 6: And and so a lot of time and money. But
Speaker 6: I mean, we we've got we've got people of all
Speaker 6: ages working front for us. I'm willing to investing the
Speaker 6: right person and they bring a lot of value.
Speaker 5: Yeah, but I mean I'm just going to that time horizon,
Speaker 5: like Time's talking about. It's pretty hard to do that
Speaker 5: with someone that's sixty five years old. I mean, let's
Speaker 5: even put aside the heavy lifting and other things that
Speaker 5: could be part of you know, the scope of work
Speaker 5: with plumblin Er and HVAC company, but just that timeline
Speaker 5: at sixty five, you could very well train them, spend
Speaker 5: a lot of money on them, and they retire a
Speaker 5: year later.
Speaker 2: That's true. That's that's the problem. That is what I'm saying, Like, like,
Speaker 2: I can't blame people sixty five. Look if you said
Speaker 2: to me, you know, I want to work another ten years,
Speaker 2: but you're not supposed to even ask that, and I
Speaker 2: don't think there's anything wrong with it. I mean, look,
Speaker 2: if you hired me at sixty five, you would have
Speaker 2: not had six years from me, and who knows how
Speaker 2: many years. But here's the thing, though, some people don't
Speaker 2: want they want to retire at sixty five or sixty eight,
Speaker 2: or some people want to retire at sixty. So I
Speaker 2: don't think there's anything wrong asking.
Speaker 5: Hey, real quick, I was reading up on this voice print.
Speaker 5: They call it like a fingerprint. It actually analyzes seventy
Speaker 5: different points. You can't copy it, in other words, even
Speaker 5: if you used a good program. And the reason you
Speaker 5: couldn't copy it is because while you're having the conversation
Speaker 5: with the financial institution, it is constantly still doing it. So,
Speaker 5: in other words, if I went on there and said
Speaker 5: my pass key my verbal pass key when I'm on
Speaker 5: with SCHWAB and then they put me through to a
Speaker 5: rep and my account's open and he can do whatever,
Speaker 5: it's still monitoring my voice for a change.
Speaker 2: So if all of a.
Speaker 5: Sudden the guy with the gun to my head gets on,
Speaker 5: it's going to know it changed. I mean, really remarkable.
Speaker 5: This looks like this is where everything's going it this
Speaker 5: voice recognition, man.
Speaker 2: I know that's a great idea, especially if they can
Speaker 2: if you can't really defeat it, if it's that good, that's.
Speaker 5: It looks like you can't defeat it. And it's constantly
Speaker 5: it's constantly working the whole phone call, which is nuts.
Speaker 2: I know it's a great solution. I didn't take fifteen,
Speaker 2: did I? Yeah? I don't know.
Speaker 24: Do you break in this hour? Yeah?
Speaker 2: See you jerk anyway. Yeah, I'm gonna break right now.
Speaker 2: I'm gonna break your ass. Okay, never mind, we'll take
Speaker 2: a break. I'm Tom Martino. More coming up. Hi, Tom Martino,
Speaker 2: your troubleshooter three zero three seven one to three talk
Speaker 2: seven one three eight two five five. Mike's got to
Speaker 2: comment on sentrylink ahead, what's your comment?
Speaker 20: Yes, Tom, I've had one landline with Century Link for
Speaker 20: eighteen years, and since June they've been putting a bogus
Speaker 20: charge on my bill for what assistance?
Speaker 2: Directory assistance?
Speaker 20: Yes?
Speaker 2: Does anyone even do that? Direct?
Speaker 5: Who would one?
Speaker 2: Is that? For one?
Speaker 3: One?
Speaker 2: Right? Or for one one?
Speaker 20: I don't even know what that's what it used to?
Speaker 20: Ever even use it?
Speaker 2: Come on? For one one? Who would ever use it.
Speaker 2: How much is the charge anyone ever? In fact, I
Speaker 2: don't information. Please it was.
Speaker 20: For twenty ninety seven and what the lady in the
Speaker 20: royal area.
Speaker 2: Needs twenty dollars.
Speaker 20: Twenty dollars ninety seven cents.
Speaker 2: Okay, hold on a second. This has to be crazy.
Speaker 2: Are you kidding me? They don't have such a thing.
Speaker 2: Come on, one one, I'm gonna do it. Four one one,
Speaker 2: let's see what is four one? Can't well, what are.
Speaker 5: You doing it from? You don't have a landline.
Speaker 20: I've had one landline with him for eighteen years. No, no, no,
Speaker 20: I'm talking about time for assistance.
Speaker 5: If you do it from your cell phone, you get
Speaker 5: your carrier.
Speaker 20: I don't have a cell phone. I only have a landline.
Speaker 5: Oh my god, I feel like I've entered into.
Speaker 2: No. No, do you have a landline or do you
Speaker 2: have Do you have a landline? Mike you're talking about?
Speaker 18: Yes?
Speaker 2: Okay, wow, I didn't even know the service still existed.
Speaker 2: I am honest to god, didn't even know it exists.
Speaker 20: The lady in the rural area, she needs to write
Speaker 20: a note whether when she sends her bill, nails it
Speaker 20: in every month saying that you're not explaining why putting
Speaker 20: in the account number. That's what I've been doing since June.
Speaker 2: Okay, well, thank you, thank you. Mike. Hey, Mike, you
Speaker 2: did you ever think about just doing away with your landline?
Speaker 20: No?
Speaker 2: No, okay, Why do you like it?
Speaker 20: Because you get of radiation through your skull every time
Speaker 20: you use a cell phone. They work off a razor beam.
Speaker 2: Okay, Oh so I get it. I get it. So
Speaker 2: you don't have that because you don't want to get
Speaker 2: that through your through your brain. I get it, I
Speaker 2: get it. We got more coming up. Three O three
Speaker 2: seven one three eight two five five three O three
Speaker 2: seven one three talk three O three seven one three
Speaker 2: eight two five five. All right, now, let's talk and
Speaker 2: find out what we can do to help. Let's see Bill, Hey, Bill,
Speaker 2: what's going on?
Speaker 11: Hey hey?
Speaker 22: I got a scene. When I pour water into it
Speaker 22: from my cooking pasta, I have to burp the garbage
Speaker 22: disposal for it to drain.
Speaker 2: Wait, wait, wait a minute, it's just plain water from pasta.
Speaker 21: Yep.
Speaker 2: If you took the same amount of water in a
Speaker 2: pot that wasn't boiling it.
Speaker 21: It's just.
Speaker 22: Boiling water. I have to burn.
Speaker 12: You know.
Speaker 22: The thing is on the garbage disposal.
Speaker 2: How do you burp it? I never heard of.
Speaker 22: Could I take the spoon or something that I pushed
Speaker 22: the rub of thingers down and it bubbles and it
Speaker 22: goes down.
Speaker 2: No problem, that's that's you have to stir it. In
Speaker 2: other words, no, just burp it. I don't even know
Speaker 2: what the hell he's talking when I.
Speaker 22: When I you know, the fingers on the garbage disposal.
Speaker 2: No, I don't you mean the rubber flappers?
Speaker 22: Uh huh?
Speaker 2: Are they sealing it or something? I mean like if
Speaker 2: you look down in your guard.
Speaker 22: Line replaced everything bro.
Speaker 2: Bro before you, when you look down at your garbage,
Speaker 2: at your drain, where the garbage di supposal is, like
Speaker 2: right now? Is it open? Or do those rubber flaps close?
Speaker 2: I mean like if you just run water, will the
Speaker 2: water run?
Speaker 18: Yep?
Speaker 2: But when you put hot water down there a large amount.
Speaker 22: I don't know if it's the hot water, but it
Speaker 22: was it was the volume.
Speaker 2: Yeah, yeah, yeah, the volume doesn't flow past those things
Speaker 2: unless you put a wooden spoon in there. It would
Speaker 2: have been.
Speaker 5: Well, thank god for ninety three. Or it's free.
Speaker 2: I don't know, it's not as.
Speaker 22: Long lines replaced everything. I need to sink, three different
Speaker 22: people out.
Speaker 6: Okay, I think, hey, did you call like last month
Speaker 6: or the month before? I remember, yeah, and I'd offer
Speaker 6: to send somebody back out. We went back out.
Speaker 2: His drain works. It's just he puts a when he
Speaker 2: puts a big pot of water into his sink, it
Speaker 2: doesn't go through those rubber flower It's went.
Speaker 5: I'll tell you what's going on. Bill's forgetting that he
Speaker 5: has all those noodles in the water, and he's putting
Speaker 5: all the noodles and the water in.
Speaker 2: No.
Speaker 22: I pour it into a strainer.
Speaker 2: Listen, man, when you if you did not burp it,
Speaker 2: what would happen?
Speaker 22: I guess it eventually would go down.
Speaker 12: Okay, So I never do it.
Speaker 22: I always do it because I'm you know, I don't
Speaker 22: want to pasta sitting in a puddle of water.
Speaker 6: Well, so are you setting the colander or the strainer
Speaker 6: over the bridge and then.
Speaker 22: Right right over topolser right in the middle of the sink?
Speaker 2: Is it gluten free postable? It's blocking the air, you
Speaker 2: just exactly blocking.
Speaker 6: That's what lifted up about an inch or sing.
Speaker 2: It's blocking the air. Going See, for the stuff to flow,
Speaker 2: it has to have air. And I think it's blocked.
Speaker 2: But you have a double sink, yes, so the other
Speaker 2: one should I don't know that doesn't.
Speaker 22: So we used the other one for water. It's just
Speaker 22: a drain sink.
Speaker 2: No, I get it. But when you're drinking, it's teen
Speaker 2: into the garbage as well as right, aren't they both
Speaker 2: teat that they both connect underneath right, right?
Speaker 23: Right?
Speaker 6: But but again I know exactly what you're talking about
Speaker 6: because I do. It happens to me when I when
Speaker 6: I put my pausta in and you just lift it
Speaker 6: up an inch or two and just let that water
Speaker 6: drain out, because you're creating.
Speaker 2: What's that?
Speaker 22: I could hardly hear you.
Speaker 2: Guys, you know what, Bill, I'm right up against that.
Speaker 2: I can't. I can't help it. I can't help it.
Speaker 2: Shannon needs to be fired because if you don't hear me,
Speaker 2: evan hearing that for thirty years, build.
Speaker 18: You hear me?
Speaker 2: Okay though, yeah, sure he does, build you hear me? Okay? Yes, okay,
Speaker 2: Well Bill, Yes, am I lower than him? Right now?
Speaker 2: Can you hear me? You can? Well? I didn't do
Speaker 2: anything differently, So why can.
Speaker 22: You hear what happens all the time when I call
Speaker 22: you the girl that answers the phone half the time.
Speaker 22: She can't understand what I'm saying.
Speaker 2: Yeah, I do Bill, Thanks Bill, I love you. Man, James,
Speaker 2: what's going on with you? James?
Speaker 18: For taking my call. I'm having a standalone garage built.
Speaker 18: The total cost was originally going to be thirty thousand dollars.
Speaker 18: During the course of events, the contractor has now quit
Speaker 18: the job. Why his decision? He's frustrated because there's been
Speaker 18: a series of events. It gets started with I had
Speaker 18: to do a double poor with the foundation. Then he
Speaker 18: tried to.
Speaker 2: Wait, wait, wait, wait, why do you have to do
Speaker 2: a we I you have to do a double poor
Speaker 2: for the.
Speaker 18: Foundation because he misestimated the amount of concrete necessary for
Speaker 18: the poor.
Speaker 2: Oh it was his fog.
Speaker 18: Well, he's blaming it on the concrete company. I'm not
Speaker 18: buying that. But fast forward. He also tried to pass
Speaker 18: off a used garage door on me as a new
Speaker 18: garage door. We since negotiated a settlement for that. But
Speaker 18: due to some things like that.
Speaker 2: And just some okay, so he got frustrated, basically, and
Speaker 2: hold on, he got frustrated and quit. Hold on, I'll
Speaker 2: come right back to you. I want to know and
Speaker 2: make sure you're not behind the eight ball here. Hold on, Hey,
Speaker 2: I'm Tom Martino. You're a troubleshooter. Three O three seven
Speaker 2: to one three talk three oh three seven one three
Speaker 2: eight two five five. So I want to, uh wait,
Speaker 2: what was Bill's issue? Oh, Chris has a comment on
Speaker 2: that garbage disposal issue with Bill. He says, when he
Speaker 2: puts hot pasta water in the sink, it doesn't drain
Speaker 2: unless he puts a wooden spoon or something to and
Speaker 2: I don't know, he calls it burping. What the hell
Speaker 2: does he mean burping? Because he must hear it go
Speaker 2: burp or something. Hey, Chris, what is your comment?
Speaker 18: Yeah?
Speaker 27: I just wanted to I wanted to see if you
Speaker 27: guys could possibly limit Bill's phone calls to maybe one
Speaker 27: a week. Otherwise we should we should start calling it
Speaker 27: the Bill Show.
Speaker 2: How about Drew?
Speaker 27: Drew used the same thing.
Speaker 2: Yeah, you know, Bill's a good guy man, and so
Speaker 2: I like having him call.
Speaker 27: Yeah, every problem you talk about on the air, he's
Speaker 27: got the same problem.
Speaker 2: Or solution sometimes, but or he's had the same problem that. No,
Speaker 2: that's true, and Chris, uh, thank you for that. James, James,
Speaker 2: what's going on? James.
Speaker 18: All right, so I've got this garage being built. The
Speaker 18: contractor has basically.
Speaker 2: Quit this you walked up to So the series of
Speaker 2: mistakes made him walk off the job. He was pissed
Speaker 2: back to it.
Speaker 18: Well, there were also two windows up high that were
Speaker 18: supposed to be put in.
Speaker 2: He did series of mistakes, so I need to know that.
Speaker 18: Convinced me otherwise, I need to know this.
Speaker 2: How much did you pay?
Speaker 18: I'm in for fifteen of the thirty right now. I
Speaker 18: know that I would certainly be entitled to get an
Speaker 18: estimate of any of the remaining elements that need to
Speaker 18: be completed and put that against the thirty grand. But
Speaker 18: since he quit, I'm wondering do I even know anything
Speaker 18: at all at this point?
Speaker 2: If he did more than fifteen, you do, I mean,
Speaker 2: I mean yeah, I mean even if a guy's a jerk,
Speaker 2: I mean, unless he doesn't come after it. You know
Speaker 2: what I'm saying. You're you're claiming he breached the contract.
Speaker 2: So you may here, let me explain this to you.
Speaker 2: Let's just say he did twenty thousand worth of work
Speaker 2: and you paid fifteen, but to get it completed, it's
Speaker 2: going to cost forty I mean, what I'm saying is this,
Speaker 2: If you go by the original specs, you can figure
Speaker 2: your losses by how much more than the original contract
Speaker 2: that not cost you. In other words, you could say,
Speaker 2: I signed for this for thirty grand. That's if it
Speaker 2: was reasonable and realistic. I signed this contract for thirty grand,
Speaker 2: and here's the specifications. Now it's going to cost me
Speaker 2: forty grand. You could make that a loss. Now, this
Speaker 2: guy could fight it saying or you know, could fight
Speaker 2: it saying the new guys are doing way more than
Speaker 2: I was doing whatever. But that's one way of calculating
Speaker 2: a loss. Another way is to see how much work
Speaker 2: was done and what you paid. And let's say there
Speaker 2: was ten thousand dollars worth of work done and you
Speaker 2: paid fifteen, or the other way around. You may owe
Speaker 2: him money. So there's really a few ways of looking
Speaker 2: at it. But here's the danger in seeing how much
Speaker 2: more than the original contract it will cost, because you
Speaker 2: have to prove the original contract was reasonable to begin
Speaker 2: with and he didn't underbid it, And then you have
Speaker 2: to prove that the new guy's not doing more than
Speaker 2: he would have done. So it's easier to just pay
Speaker 2: for what was done, cut your losses and hire someone
Speaker 2: else that's easier. Do you know how much was done?
Speaker 18: Well, he's currently offering a total of four thousand dollars off,
Speaker 18: but I'm sure it's going to it would definitely cost
Speaker 18: more in.
Speaker 2: That thousand dollars off the thirty Well, no, no, no, you
Speaker 2: got to get someone out there to look at it. Bro.
Speaker 2: You need to get someone to evaluate it with the
Speaker 2: same original contract and then see what it will cost
Speaker 2: to finish to those specs. I'm Tom Martino.
Speaker 1: Yeah, rip, tough, bad news.
Speaker 4: You need advice, so you don't have the.
Speaker 3: Come run in just as fast as we can show.
Speaker 4: Shooter's gonna help coming man.
Speaker 5: This is the Troubleshooter Show.
Speaker 2: No Tom Martino. Hey, I'm Tom Martino, your troubleshooter three
Speaker 2: all three seven one three talk three all three seven
Speaker 2: one three eight two five five. Bob Logans with me
Speaker 2: from Plumbline Services. We got an hour to go and
Speaker 2: then tomorrow we're gonna have some very important discussions on
Speaker 2: anything near and dear to your heart and pocketbook. So
Speaker 2: what you Yes, we will have a live show tomorrow,
Speaker 2: so please join us and I have some special guests
Speaker 2: coming on that you're gonna want to know about So
Speaker 2: let's talk to Bob Logan. I got some text.
Speaker 6: Here speaking of special guests.
Speaker 2: Yes, plumb Line services. Do you I don't know what
Speaker 2: this means. Do you have flat rate pricing? We do.
Speaker 6: We do have flat rate pricing.
Speaker 2: Okay, so tell tell us how that works.
Speaker 6: So for let's just say, ninety percent of everything that
Speaker 6: we do in your home, whether it's a disposal, a
Speaker 6: capacitor for your furnace, whatever, whatever you need, we we
Speaker 6: give you a price based on the labor, the parts,
Speaker 6: the warranties. Everything is all built, okay, so it's not
Speaker 6: time and materials. So before before we do anything in
Speaker 6: your home, we're gonna give you some options. We're gonna
Speaker 6: give you flat rate pricing, and then it doesn't matter.
Speaker 6: Let's say on average, it takes two hours to do
Speaker 6: that job. If it goes three hour, we're not going
Speaker 6: to come back and ask you for more money, okay,
Speaker 6: But if it takes less, you get. Yeah, Sometimes it
Speaker 6: takes less, sometimes it takes more. But that way it's
Speaker 6: the most fair way to do business. It doesn't matter
Speaker 6: where you live, how old you are, if your male
Speaker 6: or female, everybody gets the same price. For everything that
Speaker 6: we do.
Speaker 2: All right, Now we have another text on another topic here.
Speaker 2: I have a question about annuities. We don't have millions
Speaker 2: to invest, but we are diversified pretty well. We own
Speaker 2: a fourplex and we only owe this much on that,
Speaker 2: and we get over this much in rentals. We have
Speaker 2: three hundred K and cash we want to invest about
Speaker 2: two hundred Why would we do an annuity over investing
Speaker 2: in your brokerage we have. I don't have a brokerage.
Speaker 2: What I have is an investment. If you don't invest
Speaker 2: with us, do you invest with Schwaben. We advise you.
Speaker 2: But anyway, we're in our mid fifties. Husband will be
Speaker 2: fully invested in pair in two point five years. That's good,
Speaker 2: and he will lose half the money we pay when
Speaker 2: he retires, the half of his monthly pay when we retire.
Speaker 2: So annuities look great. Yeah, annuities are good. So if
Speaker 2: you are like, if you are that age, just do
Speaker 2: the math. I mean, here's the thing. If you're in
Speaker 2: your late fifties, what is your time horizon? If you
Speaker 2: want to take some money in a lump sum and
Speaker 2: put it into an annuity and you can predict when
Speaker 2: you're going to take it, you'll have a definite guarantee
Speaker 2: of income. So there's nothing wrong with that. Now, can
Speaker 2: you make more money doing other things, Yes you can,
Speaker 2: but there is some risks to it. Nothing is ever guaranteed,
Speaker 2: except annuities are guaranteed. Now, when I say they're guaranteed,
Speaker 2: they're guaranteed by companies. So technically a company could go
Speaker 2: out of business, but it hasn't really happened in the
Speaker 2: annuity business except for in recent time maybe once. But
Speaker 2: then there are certain coverages you get for that, not
Speaker 2: full one hundred percent. But here's the bottom line. If
Speaker 2: you have three hundred K and you want to invest
Speaker 2: two hundred, it's a good idea that you have that
Speaker 2: hundred you keep, and then if you want to invest
Speaker 2: the two hundred, just do the math on what that
Speaker 2: two hundred will return you. You can always do some
Speaker 2: conventional safe investing and then convert it or do even
Speaker 2: an instant conversion. When you do an annuity, there's just
Speaker 2: no two ways about it. It's a guaranteed, safe product.
Speaker 2: But also you are exchanging a certain amount of liquidity
Speaker 2: along with upside potential because you're not going to participate
Speaker 2: in the full market gains. Okay, so it's really math,
Speaker 2: you know. I mean, people have different opinions. But as
Speaker 2: I said, nothing is all good or all bad. So
Speaker 2: it just has to do with the math. And I
Speaker 2: hope you're still listening because you sent me that in
Speaker 2: the first hour. But anyway, I'll try to answer you
Speaker 2: by by text. Another one for plumb Line services, and
Speaker 2: that is garbage disposals. Why do people hire you guys
Speaker 2: to do garbage disposals when I can go to they
Speaker 2: want to know the advantage. They're not challenging you. I
Speaker 2: can go to home deep own and buy one and
Speaker 2: have it. Put in question, what do you think? I
Speaker 2: don't think garbage disposals, in my opinion, are critical. I
Speaker 2: don't know what do you think, Bob. If you have
Speaker 2: one there and you want to go buy a new
Speaker 2: one and put it in, a homeowner can do that,
Speaker 2: don't you think.
Speaker 6: Well, yeah, someone who's pretty handycanned.
Speaker 2: Yeah, you're right, you're right. The pain in the ass
Speaker 2: with a garbage disposal is holding it up and bolting
Speaker 2: it in.
Speaker 6: You know, there's a lot of things.
Speaker 2: One man job.
Speaker 6: Here's the thing. I don't know what percentage it is
Speaker 6: but yeah, a large number of calls we get is
Speaker 6: because a homeowner attempted to do something. Yeah, and then
Speaker 6: they call us because they messed it up right, and
Speaker 6: then it ends up costing them twice.
Speaker 2: As much to fix it.
Speaker 6: So it can happen if you're qualified, if you're handy, Mark,
Speaker 6: there are some things you can certainly do on your own.
Speaker 5: Yeah, I've done my own disposal.
Speaker 2: I've done mine.
Speaker 5: I wouldn't do it again.
Speaker 2: The pain in the ass that I found is getting
Speaker 2: that big thing that's heavy and holding it up while
Speaker 2: you're trying to screw that collar. Yep, tight. Now, I'll
Speaker 2: tell you.
Speaker 5: The other thing I never would have tried is if
Speaker 5: there wasn't one pre existing, that would be insane.
Speaker 2: Yeah. Yeah, I've done that only once, but in the
Speaker 2: pre existing one. I did come up with a little
Speaker 2: For my second one.
Speaker 6: I did, and if it leaks, you know, no, I
Speaker 6: mean I again, A lot of times people attempt these
Speaker 6: things and then it ends up leaking, and now they
Speaker 6: got hard.
Speaker 2: Look, and I'm not recommending people do things, but we
Speaker 2: all try.
Speaker 5: Now, did either of you ever do your own garage
Speaker 5: door opener? I did one for I'm scratch and it
Speaker 5: was like four days.
Speaker 2: You know, they are harder than they look, man, especially
Speaker 2: if there's not one there. Oh yeah yeah yeah, well.
Speaker 14: Not only that, but that spring could be deadly. Yeah,
Speaker 14: there are lots of people got killed by the garage
Speaker 14: door springs.
Speaker 2: Well yeah, but you don't have to mess with the
Speaker 2: spring to do an opener.
Speaker 5: No I didn't.
Speaker 2: Yeah, it's already there to install a garage door. You would,
Speaker 2: that would. That's where it gets crazy, James, welcome. What's
Speaker 2: going on? Man?
Speaker 8: Hey? Tom, this is the third call I've called you.
Speaker 8: It's the Workshop of State.
Speaker 3: Fan.
Speaker 8: Does that sound familiar?
Speaker 2: Hold on, let me let me look it up. What
Speaker 2: did you?
Speaker 3: Uh?
Speaker 2: What did you call him?
Speaker 8: Okay, so the gist of it is, Workshop of State
Speaker 8: built a house next to me.
Speaker 2: See I don't work Oh yeah yeah yeah, yeah, no, no, no, no,
Speaker 2: you didn't mention the contractor last time, but I remember
Speaker 2: yeah wait.
Speaker 21: Wait I did.
Speaker 8: Man, So you guys you had Cali get the phone
Speaker 8: number from a guy that I had.
Speaker 2: Okay, I might be confusing it. Never mind, there was
Speaker 2: one the other day where the contractor killed his treat
Speaker 2: I'm sorry that that triggered my memory the wrong way.
Speaker 2: So it was how long ago did you call? Man?
Speaker 8: Oh man, it's then about a month or so. Now
Speaker 8: it's killing ongoing.
Speaker 2: Anyway, tell us about it? What's going on?
Speaker 3: Now?
Speaker 2: What's going on now? Man?
Speaker 8: So you had Cali. She she got a number from
Speaker 8: me last time for somebody from workshop estate.
Speaker 5: I've never heard of that name before.
Speaker 2: Now neither have I.
Speaker 8: That's the thing that they said that they had never
Speaker 8: talked to me. I have a text message conversation back
Speaker 8: and forth, so I'm saying that they're kind of lying.
Speaker 8: You guys got them on the line.
Speaker 2: They got I usually never forget a name.
Speaker 8: The owner. He said he would take care of it,
Speaker 8: and now he's not answering or responding.
Speaker 2: Kelly, do you recall this? Kelly put down the mimosa?
Speaker 2: Did you do you recall this? I do. The gentleman
Speaker 2: said that he had never met James. Okay, you do
Speaker 2: remember this? And it kind of just died off from there.
Speaker 2: So I don't know if there's a new thing that's occurring.
Speaker 2: It was about a month ago. It was about a
Speaker 2: month ago. Yeah, thank you, Okay, Well that's cool, man.
Speaker 2: I'm glad she remembers it. Anyway, So please just said
Speaker 2: he do you have anything to prove that you did
Speaker 2: business with these people, or that that you talk to
Speaker 2: him or anything like. They were built to have.
Speaker 8: Text message conversations going back and forth from the first guy,
Speaker 8: can you send.
Speaker 2: Us some of those, This guy said he.
Speaker 8: Never heard of you, and then he's just not helping
Speaker 8: at all.
Speaker 2: This guy never heard of you, He said, what was that?
Speaker 2: This guy said he never heard of you, right to Kelly.
Speaker 8: Yeah, So the first guy said he never heard of me,
Speaker 8: and I talked to him right in front of my house.
Speaker 8: They tried to get me like an Amazon card, which
Speaker 8: I immediately gave back and told him all I want
Speaker 8: is my stuff ficks, That's all I want. So he's
Speaker 8: the one who said the first guy I talked to,
Speaker 8: he said he didn't never heard of me, or talk
Speaker 8: to me again. I have a text message conversation conversations
Speaker 8: saying otherwise. I get this other guy that says he's
Speaker 8: the owner of workshop Estates. So that was the last
Speaker 8: time you guys got us in touch with somebody that
Speaker 8: said he's the owner. I have a text message conversation
Speaker 8: with him saying he's trying to come check it. And
Speaker 8: then I tried he said he was in the hospital
Speaker 8: or something. So I was trying to like just be nice.
Speaker 8: I reached out like a week later, and he just
Speaker 8: stopped responding.
Speaker 2: All right, send us the uh do you have some
Speaker 2: screenshots of the text you can take or something that
Speaker 2: we can see. So, Kelly, when you call the guy,
Speaker 2: the guy said, I don't even know who this James is. Right,
Speaker 2: he just denied all knowledge of him all together, right, correct, Yes,
Speaker 2: that is exactly what he said. Gosh, and James, what
Speaker 2: were they doing?
Speaker 8: Was like, well, what were they doing? I'm just good
Speaker 8: at guessing phone numbers?
Speaker 2: What were they doing next door? James?
Speaker 8: They built a house. They knocked a house down, and
Speaker 8: that's when they damaged it.
Speaker 2: Okay, And how old was the fence?
Speaker 8: My god, so it seems it'd be more of a
Speaker 8: sentimental thing because my grandpa put it up. So I mean,
Speaker 8: it's like thirty plus years old.
Speaker 2: And what kind of a fence.
Speaker 8: So it's I want to say, it's four feet chain link,
Speaker 8: but it's embedded in concrete at the bottom all the way.
Speaker 2: Around, so it was chain link. And even though it
Speaker 2: was that old, there was nothing wrong with it, no, sir, Okay,
Speaker 2: Well that's what counts. I mean, it doesn't matter how
Speaker 2: old it was. It was a chain length. And how
Speaker 2: did they destroy the whole thing or part of it?
Speaker 8: So first off, that was the first part I noticed.
Speaker 8: Was they put like a when they were tearing it down,
Speaker 8: they put like a I want to say.
Speaker 2: Like a wait wait wait they tore down Oh, when
Speaker 2: they were tearing down the house, I mean yes, so
Speaker 2: they put.
Speaker 8: Like a three foot hole into it and it's like
Speaker 8: coming in. I took pictures of all this.
Speaker 2: Did you send us the pictures?
Speaker 8: I have not you guys didn't ask for them.
Speaker 2: I don't believe all right, I here's what I want
Speaker 2: right now, send us a couple of screenshots of the
Speaker 2: text and a picture of that fence, and we'll be
Speaker 2: happy to revisit this. I'm so sorry I haven't recalled this.
Speaker 2: But anyway, what was the what's the latest on this?
Speaker 2: Or did you just call to find out if we
Speaker 2: heard anything back?
Speaker 8: I just called to see what I should do now,
Speaker 8: if I should go take them to court? And if so,
Speaker 8: would it.
Speaker 2: Be how much will it cost to building? How much
Speaker 2: will it cost to fix James that section?
Speaker 8: I don't couldn't tell you. It's more of a matter
Speaker 8: of them just tearing it up and leaving it. At
Speaker 8: this point, it's probably not even super expensive, to be honest.
Speaker 2: But well, when you got seventy five dollars limit in
Speaker 2: small claims court, and small claims court would be the
Speaker 2: one you would do. But you wouldn't sue the builder.
Speaker 2: You would sue the homeowner.
Speaker 8: Copy that.
Speaker 2: Okay, that was the homeowners. Your next door neighbor hired
Speaker 2: the contractor. Isn't that correct?
Speaker 8: The owner at the time. I would assume that's who
Speaker 8: you told me to send the initial letter to. That
Speaker 8: started with sending them a letter.
Speaker 2: Yeah, yeah, And what did they do?
Speaker 8: They did? That's when I met that guy that said
Speaker 8: he never heard of me. He came up and he
Speaker 8: tried to give me a fifty dollars Amazon gift card.
Speaker 2: Now, what about the owner of the house. Is it
Speaker 2: the same owner or there's a new owner or what?
Speaker 8: Well, it's a different name. I believe, so the owner
Speaker 8: I have on that. I looked up online on the
Speaker 8: city information it's ETD properties.
Speaker 2: Oh so they were probably building it on spec and
Speaker 2: then sold it.
Speaker 8: I couldn't tell you.
Speaker 2: I don't even know you need Okay, who owned the
Speaker 2: house at the time they destroyed your thing. Who did it?
Speaker 2: Who owned it?
Speaker 21: Needs to be properties.
Speaker 2: Okay, so they're the builder, that's who you go after. Okay,
Speaker 2: you go up to that builder in small claims court Mark.
Speaker 2: He has to look that up on the Secretary of State,
Speaker 2: get a regist agent.
Speaker 5: Yeah, and then sue them in the county they're in.
Speaker 2: In the county the house was in Mark, or that
Speaker 2: the builder's in.
Speaker 5: I would probably do it where the builder was, to
Speaker 5: make it simple.
Speaker 2: Or the developer whatever he is, whatever that is. They
Speaker 2: were the owners at the time they hired the contractor.
Speaker 2: They're responsible for their property and people they hire. Now,
Speaker 2: obviously you could go after the actual you know, contractor too.
Speaker 2: You can do both, but I wouldn't you better not
Speaker 2: wait too long. I would do it right away and
Speaker 2: then you're gonna probably.
Speaker 8: Get it right here. And I'm trying with that. Everybody
Speaker 8: keeps telling them, like, it's not you. I appreciate your help,
Speaker 8: but you guys got me in touch with him. He's like, oh,
Speaker 8: just hang on, just like killing more time. And now
Speaker 8: he's not he's just ignoring.
Speaker 2: Now, that's why if you serve him, he's not going
Speaker 2: to ignore.
Speaker 8: You, okay, And just so we're clear, I go after
Speaker 8: Workshop of States, not be TV properties.
Speaker 2: Okay, I'd do both. Workshop of States is the actual contractor, right, yes, sir,
Speaker 2: I would both. Mark, would you do both?
Speaker 18: Hell?
Speaker 5: Yeah, you can list them on the same one.
Speaker 20: God.
Speaker 2: Now it's going to cost fifty bucks to file fifty
Speaker 2: thirty huh fifty five bones okay, and then to serve
Speaker 2: about thirty five dollars for each.
Speaker 3: Generally.
Speaker 5: I mean I don't think i've ever I don't know
Speaker 5: what the sheriff charges. I usually just serve because the
Speaker 5: companies that I've sued are bigger ones, so they're easy
Speaker 5: to serve.
Speaker 2: When you see no, he didn't serve himself, he just
Speaker 2: means he had him served.
Speaker 5: Well, yeah, I mean like Suzanne would go serve him.
Speaker 5: I just pull up to the place and she can.
Speaker 5: As long as she's not listed long as a spouse
Speaker 5: or you know, a sibling or someone isn't listed, they
Speaker 5: can do it.
Speaker 2: It has to be somebody not involved in the lawsuit
Speaker 2: in the monetary part of it, that's right, Okay.
Speaker 14: I have one more suggestion on service. So some court
Speaker 14: clerks offer a service by mail.
Speaker 24: It cost me.
Speaker 14: I used it twice this year and all it costs
Speaker 14: about fifteen dollars.
Speaker 2: But the problem with that is how do you prove it?
Speaker 14: Oh, so they send it certified mail return receipt requested,
Speaker 14: and once they get that green card back from the
Speaker 14: post office, they'll actually certify it served.
Speaker 24: Now, you got to keep in mind.
Speaker 14: The clerks will always try to talk you out of it.
Speaker 14: They'll have this standard language. They'll tell you, well, this
Speaker 14: is not the preferred method. But you just got to
Speaker 14: power through it and say, I realize it's not preferred,
Speaker 14: but I'd still like to use this and it's valid service.
Speaker 2: But it might unless they refuse it, right obviously.
Speaker 14: Apparently they don't have the option of refuse. Oh you
Speaker 14: mean the recipient of that mail. Yeah, yeah, that would
Speaker 14: be one way to avoid service.
Speaker 2: I so let us know what happens.
Speaker 18: Man.
Speaker 2: I'm sorry that you're having this trouble three oh three.
Speaker 2: I mean we can call them again, I guess, but
Speaker 2: I'd like to see first the picture and the text
Speaker 2: three all three seven one three eight two five five.
Speaker 2: Hi Tom Martino, your troubleshooter three oh three seven one
Speaker 2: three talk Michelle, Welcome, what's going on? Michelle?
Speaker 28: Oh, so I talked to you last time on November
Speaker 28: fourth about my mortgage.
Speaker 2: And Deputy D was working with Deputy D. You were
Speaker 2: working with her, miss What was Michelle's issue?
Speaker 28: Yeah, so he was working with me and I texted
Speaker 28: him on a fuddy and I try to call in,
Speaker 28: but I got the busy signal almostly all day. I
Speaker 28: could not get to.
Speaker 2: Buy the busy signal? Are there anymore? What is a
Speaker 2: busy signal? I don't even know what that is, Honest
Speaker 2: to god, it.
Speaker 28: Was still just like a buzz, like a buzz.
Speaker 24: Yeah.
Speaker 14: Michelle told me on Friday that she had trouble getting
Speaker 14: through to the three h three Martino line because what
Speaker 14: she there's no said was a busy signal. So it
Speaker 14: sounds like there was some mechanical failure.
Speaker 2: Anyway, Is this the one where the adjuster came out
Speaker 2: and all that? Or is this has to do with uh,
Speaker 2: it's the mortgage company withholding some money?
Speaker 24: Yeah from Yeah, So Michelle and.
Speaker 2: I spoke, why are they withholding money?
Speaker 14: Well, they well, nobody knows. So Michelle got two checks
Speaker 14: from the insurance company and she sent them both to
Speaker 14: the mortgage company because apparently Michelle correct me if I'm wrong,
Speaker 14: but they were made out to both you and the
Speaker 14: insurance company, is that right?
Speaker 2: Yeah, no, the mortgage, I mean the mortgage, right, yeah, yeah,
Speaker 2: and that's not uncommon.
Speaker 14: And so yeah, but following that, Michelle, Michelle received one
Speaker 14: of those checks back from the mortgage company, but they
Speaker 14: retained another twenty seventh thousd dollars payment.
Speaker 2: I thought it was twenty three, but it could be.
Speaker 24: Something like that. It does, yeah, to the twenty three thousand,
Speaker 24: that's right.
Speaker 28: Yes, So the first two checks was the first one
Speaker 28: was twenty nine thousand, seven hundred and sixty dollars and
Speaker 28: fully three cents, and another check for three thousand, twenty
Speaker 28: seven dollars and seventy one cents. So both these checks
Speaker 28: were sent to them, they endorsed it, they sent it back,
Speaker 28: and then the third check is the check that they
Speaker 28: were holding it the thirty thousand and thirty nine dollars and.
Speaker 15: Twenty eight cents.
Speaker 28: We sent that third check in and they did not
Speaker 28: send that check back.
Speaker 2: So they're holding thirty check. They're holding thirty grand right now.
Speaker 26: Yeah.
Speaker 28: So then when we were talking to them back and
Speaker 28: forth and they keep saying that they did not receive
Speaker 28: any completed forms from us. Then they sent back seventy
Speaker 28: two hundred eleven dollars and eighty six cents. So the
Speaker 28: balance that they still hold is twenty two thousand, eight
Speaker 28: hundred twenty seven dollars.
Speaker 2: Hold on, Yeah, what I need to know is this,
Speaker 2: Why are they withholding the money?
Speaker 28: I am not sure why. Every time I called and
Speaker 28: talked to one of their representatives, they would tell me
Speaker 28: a different story.
Speaker 26: So I have no.
Speaker 2: That's right. Listen, listen. All a mortgage company has the
Speaker 2: right to do is to make sure they're collateral is
Speaker 2: preserved to the extent it was. Once that roof is done,
Speaker 2: whether you have it doesn't matter. Once they get a
Speaker 2: certificate of completion or an inspection or they inspect it,
Speaker 2: they have to refund whatever money is. Even if you
Speaker 2: keep money, they're not allowed to keep money, even if
Speaker 2: you even if they say, well, it didn't cost you
Speaker 2: that much, so what now At the very worst case scenario,
Speaker 2: they should apply that money to the principle of your loan.
Speaker 2: But I don't think that's what they're doing. I don't know.
Speaker 2: Did you deep did you call the mortgage company?
Speaker 3: Oh?
Speaker 14: Yeah, I called and I emailed. I even emailed the
Speaker 14: company president himself. His email is available at round Point
Speaker 14: Mortgage as.
Speaker 2: Well round or Brown Round like your round round?
Speaker 14: Yeah, round Point Mortgage, I guess. And in my and
Speaker 14: of course I got zero response to any of my requests.
Speaker 14: So in my research on round Point Mortgage, I saw
Speaker 14: carbon copies of this complaint from other customers of round Point.
Speaker 2: Where they located, I don't.
Speaker 24: Remember, but uh oh there in Carolina.
Speaker 2: I think I think we should have as many listeners
Speaker 2: as possible. Call them. I'm serious, we should have as
Speaker 2: many listeners as possible. Call and tell them you heard
Speaker 2: them on the Tom Martino Show three oh three Martino
Speaker 2: three oh three, six two seven eighty four sixty six.
Speaker 2: And we want to know why they're withholding money from Michelle. Michelle,
Speaker 2: So how much do you owe your roofers?
Speaker 28: So we still we pay them five thousand, and we
Speaker 28: still told them about.
Speaker 2: I just need to know what yo, that's what I
Speaker 2: need to know.
Speaker 28: Oh okay, so we still need to pay them about
Speaker 28: six more thousands.
Speaker 2: And so do you think the mortgage company see that
Speaker 2: the mortgage company has no right to count her money?
Speaker 2: You're gonna have money left over? Right?
Speaker 9: No?
Speaker 28: Because I still have my windows that I need to
Speaker 28: pay it.
Speaker 2: Okay, okay.
Speaker 14: She needs the entire twenty three thousand dollars back from
Speaker 14: the mortgage company so she can complete the repairs to
Speaker 14: her house.
Speaker 2: She needs a back, whether if not that she does that,
Speaker 2: she just needs it. It's her money unless, like I said,
Speaker 2: she's only obligated to make sure the collateral is preserved.
Speaker 24: I can't believe how long this has been going on.
Speaker 2: I wonder if the Consumer Finance Protection Bureau, Doc, do
Speaker 2: you think they would step in on something?
Speaker 14: Michelle already file the complaint with the Consumer Finance protect the.
Speaker 24: Show, isn't that correct?
Speaker 18: Well?
Speaker 14: You and I discussed that a few days ago, right,
Speaker 14: and how long ago.
Speaker 2: Did you that with the Consumer Finance Protection Bureau?
Speaker 28: So I went in. I couldn't do the form, so
Speaker 28: I had to call to one of their agents and
Speaker 28: she was able to walk me through the whole form.
Speaker 28: So I did it. We complete it on the twelfth
Speaker 28: of November the twelve.
Speaker 14: They're pretty they're pretty fast, they're CFPB. I've used them
Speaker 14: once about a year.
Speaker 2: They're good people. You're going to hear from them. You're
Speaker 2: going to hear from Yeah.
Speaker 28: I checked in on Saturday. But I have not seen
Speaker 28: anything from them yet.
Speaker 2: Okay, but you will. They usually do not drop the ball. Now,
Speaker 2: I think we should put calls through to that company.
Speaker 2: What number did you call and do you get someone
Speaker 2: at that number?
Speaker 20: No?
Speaker 14: So when you call there, AG we got to break
Speaker 14: the machine makes you enter your account number. You can't
Speaker 14: just push zero and talk to an operators, so you
Speaker 14: have to be you have to be one of their.
Speaker 2: So they don't let you. They don't hear from anybody.
Speaker 2: Then what about their website? See if you can find
Speaker 2: a website for more, people can send in a contact form.
Speaker 2: I'm Tom Martino. More coming right up, Hi, Tom Martino.
Speaker 2: You're a troubleshooter. Three all three seven one three talk
Speaker 2: three all three seven one three eight two five five.
Speaker 2: Let's talk to Let's see who's turn. This is UH
Speaker 2: going to talk to you Michelle Michelle. Oh, never mind.
Speaker 2: We talked to Michelle about the mortgage company. So we're
Speaker 2: just gonna handle it off the air, I guess. I mean,
Speaker 2: there's nothing we can do about it.
Speaker 14: There's nothing well, there's there's nothing else I can do
Speaker 14: because Brown Point Mortgage hasn't responded to any of my
Speaker 14: contact attempts, and.
Speaker 24: So I hope that CFPB will be able to help.
Speaker 2: I think they will.
Speaker 14: Yeah, I mean, they have a good reputation in that reguard.
Speaker 14: Michelle could just you know, sue them for the twenty
Speaker 14: seven thousand and make them explain why they keep it.
Speaker 2: Yeah, that's going to take too much money to do.
Speaker 2: But I mean, I can't believe they're doing this. But
Speaker 2: you're saying you saw plenty of other complaints about it.
Speaker 14: I saw carbon copies of the same complaint, and after
Speaker 14: I researched those complaints, I didn't see any resolutions on
Speaker 14: the internet. So either those people vanished or they could
Speaker 14: never resolve that issue.
Speaker 2: Eva, what's going on with you? Eva? Welcome?
Speaker 23: Oh hey, I was listening to the radio. I'm in
Speaker 23: front of my house waiting to bring my groceries and
Speaker 23: I'm listening to the radio and I got a call.
Speaker 23: And it's the second time this happened. The last time
Speaker 23: it was a male voice. This time of female voice,
Speaker 23: both with foreign accents and saying, they're calling me about
Speaker 23: my accident I had two years ago. So what kind
Speaker 23: I hung up after saying something.
Speaker 2: That, Well, first of all, did you really did you
Speaker 2: have an accident two years ago.
Speaker 23: Thank god, I have never had an accident.
Speaker 2: Well, it could be a mistake. It could be a scam.
Speaker 2: It could be a scam. I mean to me, it
Speaker 2: doesn't sound like it doesn't sound like a scam. It
Speaker 2: doesn't sound like a scam to me, because it would
Speaker 2: be senseless to call people saying I'm calling about the
Speaker 2: accident and you had two years ago. What are the
Speaker 2: chances spending all that time calling people asking about an
Speaker 2: accident two years ago? They're going to happen upon people
Speaker 2: who had accidents two years ago. I mean, it just
Speaker 2: doesn't sound It sounds like a mistake to me, not
Speaker 2: a scam. What what did go ahead?
Speaker 23: Well, I'm curious, you know, because it's so untrue. I'm
Speaker 23: wondering where I think it's a scam.
Speaker 2: I think it's a mistake.
Speaker 23: Huh, that's curious.
Speaker 2: How long have you had your number?
Speaker 24: Oh?
Speaker 23: Actually I probably had this number maybe two or three years.
Speaker 2: Yeah, it's a mistake. I really, even they don't they
Speaker 2: don't call. Scams don't work that way. Scams want like
Speaker 2: they want production, they want like stuff right away. If
Speaker 2: it's a fishing scam, they don't call and say on
Speaker 2: the off chance you had an accident two years ago,
Speaker 2: what are they going to get from you insurance?
Speaker 23: I don't know that what I was hoping if I
Speaker 23: mentioned it, I hung up too quick.
Speaker 2: What do you think? What you thinking?
Speaker 6: I was just saying, unless they're hoping people will call
Speaker 6: them back and say, hey, this isn't me, and say, well,
Speaker 6: just to verify that it's not you, let me get
Speaker 6: you that, let me get all your information.
Speaker 2: That's something I've heard that. Yeah, that's a good point.
Speaker 2: I've heard that before, but I don't think. I don't know, so, Eva,
Speaker 2: I don't.
Speaker 23: I thought that call in and see if anyone else
Speaker 23: has had that happen.
Speaker 2: Let's let's find out. Actually, so thank you for letting
Speaker 2: us know if anyone's ever had a call like that. Hey,
Speaker 2: I'm calling about the accident you had a couple of
Speaker 2: years ago. Did they say, by the way, Eva, that
Speaker 2: they were from an insurance company. Did they say they're
Speaker 2: still there? Yeah? Who did they say they were from?
Speaker 2: Where did they say they were from?
Speaker 23: No, it was a very hard to understand accent, and
Speaker 23: they I hung up saying I never had an accident,
Speaker 23: So they didn't even say who they were but they
Speaker 23: were foreign accented.
Speaker 2: All right, I don't I don't know. I just don't know.
Speaker 2: It could be a scam now that you mentioned a
Speaker 2: foreign accident, must be I'm just kidding. That's a joke.
Speaker 2: But boom anyway three or oo three seven one three
Speaker 2: eight two five five testing one two three Okay, sorry
Speaker 2: Tom Martino here, okay, Bob Logan, I want to I
Speaker 2: want to talk to Bob, Yes, sir, let's say, Bob,
Speaker 2: somebody wants to know if you to somebody. I'm just
Speaker 2: gonna be honest with you, is me? Can you give that?
Speaker 2: Can you give my listeners? You always do this a
Speaker 2: little bump for anyone who calls before the end of
Speaker 2: the year. Let's even do it before you give me
Speaker 2: the date. It doesn't have to be the end of
Speaker 2: the year. But I want to do something special, so
Speaker 2: I really want to. So come up with something right
Speaker 2: now that you have authority to do so, sir.
Speaker 12: Okay.
Speaker 6: So in addition to any replacement options we have, whether
Speaker 6: it's furnace, air conditioner, sewer line, electrical panel, in addition
Speaker 6: to any special we have going on out there, Yes,
Speaker 6: Tom Martino, listeners an additional two hundred and fifty bucks off.
Speaker 2: Okay, So that's over and above every special. It's like
Speaker 2: getting an extra two hundred and fifty dollars kicker just
Speaker 2: because you mentioned MARTINZ just just mentioned two hundred and
Speaker 2: fifty bucks. You can't beat that with a stick. That's okay.
Speaker 2: By the way, on that question of annuities, I did
Speaker 2: some math that guy had, and that is they wanted
Speaker 2: to do like maybe two hundred grand in an annuity
Speaker 2: for ten years till they're sixty five, and the income
Speaker 2: would be about fifteen hundred bucks a month, fifteen hundred
Speaker 2: extra bucks a month if you put two hundred k
Speaker 2: away and you were sixty five. Now, if you put
Speaker 2: that in perspective, so if you get fifty, if you
Speaker 2: put two hundred k away right, and then so that
Speaker 2: would last you lifetime or it would actually last you. Yeah,
Speaker 2: it would actually last you a lifetime. If you put
Speaker 2: that same amount of way and invest in it, it
Speaker 2: would actually almost last your lifetime. There's it would probably
Speaker 2: go beyond your lifetime. So you got to do math,
Speaker 2: is what I'm saying. By the way, on Plumbline, you
Speaker 2: can contact Plumbline at three oh three, five, eight, six, ten,
Speaker 2: eighty six or Plumbline Services dot com. Save all your
Speaker 2: problems for me.