WEBVTT 1 00:00:00.600 --> 00:00:10.599 Yea ripped up. You need advice, so you don't have 2 00:00:12.839 --> 00:00:13.640 come running. 3 00:00:13.880 --> 00:00:19.199 Just as fast as we can, Shooter's gonna help come man, 4 00:00:20.039 --> 00:00:20.920 This is. 5 00:00:20.879 --> 00:00:26.079 The Troubleshooter Show. No Tom Martine, Hey, Hey. 6 00:00:26.079 --> 00:00:27.600 Hi, how are you doing. 7 00:00:27.800 --> 00:00:31.600 I am here to help you solve problems, answer questions, 8 00:00:32.159 --> 00:00:34.759 take complaints, and make your life a little easier, as 9 00:00:34.759 --> 00:00:37.799 I've been doing for forty five years on this particular 10 00:00:37.840 --> 00:00:42.119 show uninterrupted. So that's the longest running show with the 11 00:00:42.119 --> 00:00:43.320 same host still on the air. 12 00:00:43.640 --> 00:00:44.039 Welcome. 13 00:00:44.399 --> 00:00:47.320 We recover millions of dollars for people in any given year, 14 00:00:47.439 --> 00:00:52.840 millions in cash, merchandise, exchanges, refunds, and services. We also 15 00:00:52.880 --> 00:00:55.039 talk about consumer stuff near and dear to your heart 16 00:00:55.039 --> 00:00:58.880 and pocketbook, to keep you let's say, to keep you 17 00:00:59.000 --> 00:01:05.040 wise and uh you know, I as you know, and 18 00:01:05.079 --> 00:01:07.319 I'll take your phone calls whenever you have a problem, 19 00:01:07.359 --> 00:01:10.519 question complaining at three oh three seven one three talk 20 00:01:10.560 --> 00:01:12.920 three oh three seven one three eight two five five. 21 00:01:14.840 --> 00:01:17.920 As you know, I'm involved in a few things. Uh. 22 00:01:18.359 --> 00:01:21.879 One of them is a wealth management company. 23 00:01:22.519 --> 00:01:27.239 And I looked at some portfolios, not mine, not ours, 24 00:01:27.280 --> 00:01:33.359 but in general, some anonymous portfolios and financial advisors get 25 00:01:33.400 --> 00:01:35.840 to do that to see trends. You don't. You don't 26 00:01:35.879 --> 00:01:38.200 get to look at who's got what and who they are. 27 00:01:38.599 --> 00:01:43.760 But there are statistics kept on investments and what they 28 00:01:43.840 --> 00:01:46.519 do and what they don't do. And I found something 29 00:01:47.519 --> 00:01:51.040 absolutely shocking I want to share with you. And I 30 00:01:51.120 --> 00:01:55.879 don't know why it's happening right now, though Amy wants 31 00:01:55.879 --> 00:01:57.439 to talk about her beamer. 32 00:01:57.640 --> 00:01:59.040 She bought a twenty eleven. 33 00:01:59.120 --> 00:02:01.840 Oh, we were trying to help you, Amy, and I 34 00:02:01.879 --> 00:02:03.760 don't know what happened to the call, but anyway, you 35 00:02:03.799 --> 00:02:08.240 paid fifty four hundred fifty dollars for US twenty eleven 36 00:02:08.280 --> 00:02:12.520 BMW three thirty five I at car Pros in Golden 37 00:02:13.240 --> 00:02:15.240 You took a road trip. You took a road trip 38 00:02:15.240 --> 00:02:17.840 to North Carolina, excuse me, North Dakota. 39 00:02:17.879 --> 00:02:21.719 In less than thirty days. You experienced a complete breakdown. 40 00:02:22.360 --> 00:02:24.680 And what we wanted to do is try to get 41 00:02:24.719 --> 00:02:28.280 your car into one of our people to get it analyzed. 42 00:02:29.159 --> 00:02:31.120 How did we leave it with you yesterday? That's what 43 00:02:31.159 --> 00:02:32.680 I thought we were going to say, right. 44 00:02:33.639 --> 00:02:36.719 Right, Well, I didn't have a full charge because I 45 00:02:36.759 --> 00:02:40.919 didn't realize and I wasn't at home. I was downtown, so. 46 00:02:40.879 --> 00:02:43.719 I wasn't able to get a charge on my phone. 47 00:02:44.080 --> 00:02:49.000 Okay, so I want to get your car into a place. 48 00:02:49.479 --> 00:02:50.639 What were your symptoms. 49 00:02:50.759 --> 00:02:54.439 Let's get Kevin Caulkin on if we can sus what 50 00:02:54.560 --> 00:02:56.280 were the symptoms? 51 00:02:56.879 --> 00:02:59.319 Okay, Well, it just had, like I just started to 52 00:02:59.360 --> 00:03:03.479 make it, this noise under under the hood, and my 53 00:03:03.599 --> 00:03:08.159 engine light came on and then it started splashing the engine. 54 00:03:08.280 --> 00:03:10.960 So I pulled over, I turned the car off, and 55 00:03:11.039 --> 00:03:13.719 I go to look under the hood and everything looks normal. 56 00:03:14.479 --> 00:03:16.240 So I start the car back up and then it's 57 00:03:16.280 --> 00:03:21.319 it's driving normal, but I still hear this continuous like 58 00:03:21.520 --> 00:03:24.960 not kind of under the hood. And so I get 59 00:03:25.000 --> 00:03:27.280 back into town and I don't. 60 00:03:27.159 --> 00:03:30.240 Drive anywhere, and then I decide I got to go somewhere. 61 00:03:30.280 --> 00:03:32.639 So I start my car and I go, and I 62 00:03:32.639 --> 00:03:34.960 could go like a block a block away, and then 63 00:03:34.960 --> 00:03:40.800 when I turn my car off, it won't start. I yeah, 64 00:03:41.599 --> 00:03:45.719 and it doesn't run completely at all. Right now, I 65 00:03:45.759 --> 00:03:51.400 don't know where yours. I did have a diagnosis on 66 00:03:51.479 --> 00:03:55.080 it through O'Reilly's dayhook the obed I center up to 67 00:03:55.159 --> 00:03:58.159 it and it came back with a p P three 68 00:03:58.240 --> 00:04:01.080 hundred code, which is a general engine code, and then 69 00:04:02.199 --> 00:04:06.560 multiple cylinder misfires cylinder two P three zero two and 70 00:04:06.639 --> 00:04:07.840 P three zero five. 71 00:04:10.639 --> 00:04:13.639 Okay, And did they say what they thought it was 72 00:04:13.719 --> 00:04:14.360 caused by. 73 00:04:16.040 --> 00:04:18.319 It could be any It could be the ignition coils, 74 00:04:18.319 --> 00:04:22.000 It could be spark plugs, it could be something more serious. 75 00:04:22.040 --> 00:04:26.480 It could be the combustion in the cylinders. I mean, it's. 76 00:04:27.920 --> 00:04:28.319 All right. 77 00:04:28.399 --> 00:04:30.480 Where are you located? What part of town are you in? 78 00:04:31.600 --> 00:04:35.800 I'm located in North Glenn, in North Glenn? 79 00:04:36.160 --> 00:04:37.800 All right, hold on for a second. I want to 80 00:04:37.800 --> 00:04:40.319 try to get Kevin on to talk about this. Three 81 00:04:40.399 --> 00:04:43.000 h three seven one three eight two five five Steve, 82 00:04:43.439 --> 00:04:44.920 Welcome to the show. What's going on? 83 00:04:44.920 --> 00:04:46.839 Steve? 84 00:04:46.879 --> 00:04:50.600 I was calling about wrongful termination. I was working for 85 00:04:50.680 --> 00:04:55.360 a company that was a union I yeah, thanking deliveries. 86 00:04:56.079 --> 00:04:58.120 I made a delivery to a place where a gentleman 87 00:04:58.279 --> 00:05:02.759 asked me for my phone number, and then I denied him. 88 00:05:03.240 --> 00:05:06.439 He fabricated a story and said that I was basically 89 00:05:06.480 --> 00:05:10.000 trying to fight him because I think he was trying 90 00:05:10.040 --> 00:05:12.240 to save face for being refused. 91 00:05:13.240 --> 00:05:16.920 And Steve, let me ask you something, what kind of job, Steve? 92 00:05:17.319 --> 00:05:17.600 See? 93 00:05:17.600 --> 00:05:18.759 What kind of a union job? 94 00:05:18.879 --> 00:05:19.079 Is there? 95 00:05:19.079 --> 00:05:20.079 A delivery job? 96 00:05:21.120 --> 00:05:22.720 Yes, a liquor delivery. 97 00:05:23.839 --> 00:05:30.839 Liquor and you say it's union controlled. Yes, okay, So 98 00:05:31.519 --> 00:05:34.319 right now, so why did the guy Here's what I 99 00:05:34.360 --> 00:05:37.240 want to know. Why did the guy want your phone number? 100 00:05:39.519 --> 00:05:41.879 I guess he thought I was attractive? 101 00:05:44.639 --> 00:05:45.199 Okay? 102 00:05:45.720 --> 00:05:49.360 And so you were working as a union liquor delivery 103 00:05:49.759 --> 00:05:54.600 guy and then okay, and then what happened was this 104 00:05:54.639 --> 00:05:56.600 guy got in a fight with you. What story did 105 00:05:56.600 --> 00:05:57.199 he make up? 106 00:05:58.519 --> 00:06:01.360 He said that I was being rude and then I 107 00:06:01.480 --> 00:06:05.759 tried to basically fight him. 108 00:06:05.959 --> 00:06:07.279 Okay, totally false. 109 00:06:08.720 --> 00:06:12.560 And they fired you because of this, Yes, because. 110 00:06:12.319 --> 00:06:16.720 They said that they took his word and said that 111 00:06:17.079 --> 00:06:18.079 I was being rude. 112 00:06:18.120 --> 00:06:19.120 At the time. 113 00:06:19.759 --> 00:06:23.120 Working there, I was a union steward. So they were 114 00:06:23.120 --> 00:06:25.319 trying to clean house and get rid of union for 115 00:06:25.600 --> 00:06:30.319 a steward because I was sure holding them accountable. 116 00:06:32.399 --> 00:06:34.000 So they were looking to get rid of you. Now, 117 00:06:34.040 --> 00:06:40.079 that could be retaliatory. There's very few unjust terminations, very 118 00:06:40.120 --> 00:06:44.319 few of them. There are some, however, and if they 119 00:06:44.319 --> 00:06:45.920 were trying to get rid of a union, I mean, 120 00:06:45.920 --> 00:06:46.920 that's pretty serious. 121 00:06:48.519 --> 00:06:50.279 Are you sure that's why they fired you. 122 00:06:51.279 --> 00:06:55.560 That's what they told me specifically when I was being terminated, 123 00:06:55.680 --> 00:06:59.480 that I was getting let go for threatening. 124 00:06:59.079 --> 00:07:03.279 Language, threatening language. 125 00:07:02.879 --> 00:07:06.639 To who to this gentleman that asks me for my number? 126 00:07:08.279 --> 00:07:12.480 Now, Unfortunately, if they wanted to get rid of you 127 00:07:12.600 --> 00:07:17.600 for another reason, and you gave them a real reason, 128 00:07:17.800 --> 00:07:19.800 or they have a real reason, they can use the 129 00:07:19.879 --> 00:07:23.000 real reason and it doesn't matter what their other reasons are. 130 00:07:24.800 --> 00:07:27.639 Did you ever have complaints like this before from. 131 00:07:28.839 --> 00:07:32.120 People in this industry? 132 00:07:32.279 --> 00:07:34.639 Everybody's got complaints like this. 133 00:07:35.279 --> 00:07:39.480 It's why why are these people sitting Are these people. 134 00:07:39.240 --> 00:07:41.720 Sitting at home alcoholics looking for trouble? 135 00:07:43.439 --> 00:07:47.240 It's just different owners of liquor stores expect you to 136 00:07:47.319 --> 00:07:49.920 do certain things that we don't provide. 137 00:07:49.920 --> 00:07:52.360 Oh wait a minute, Wait a minute, so you don't deliver? 138 00:07:52.480 --> 00:07:54.720 Wait a minute, you deliver to stores? 139 00:07:55.839 --> 00:07:56.160 Correct? 140 00:07:57.639 --> 00:07:59.079 Okay? I thought for some reason. 141 00:07:59.120 --> 00:08:02.360 I'm thinking like an for a liquor for homes, you know, 142 00:08:02.439 --> 00:08:04.000 like or a door dash. 143 00:08:04.399 --> 00:08:05.720 Okay, now I understand. 144 00:08:06.000 --> 00:08:13.920 So this was a liquor store owner that reported you, yes, basically. 145 00:08:16.199 --> 00:08:19.480 Okay. Was it the store manager? 146 00:08:21.120 --> 00:08:21.360 Yes? 147 00:08:23.639 --> 00:08:29.360 Okay, Well he has credibility. Listen. Why would they fire 148 00:08:29.360 --> 00:08:30.639 you though for one complaint? 149 00:08:36.080 --> 00:08:39.399 I feel because I was a union steward and I 150 00:08:39.519 --> 00:08:44.240 had filed several grievances holding them accountable for their actions 151 00:08:44.559 --> 00:08:47.080 such as safety, faulty truck. 152 00:08:47.120 --> 00:08:49.440 All right, I don't know how we're going to prove this. See, 153 00:08:49.600 --> 00:08:52.200 you probably can't get an attorney on this. Will your 154 00:08:52.279 --> 00:08:55.279 union help you? They should represent. 155 00:08:54.879 --> 00:08:55.399 You on this. 156 00:08:56.840 --> 00:09:00.200 Currently we are about to go to an arbitration, but 157 00:09:00.240 --> 00:09:05.159 the company wants to basically give me money and send 158 00:09:05.200 --> 00:09:08.399 me on my way and just forget about it. I 159 00:09:08.480 --> 00:09:09.159 just don't know if. 160 00:09:09.039 --> 00:09:11.000 I'm well, what is well? Hold on your what does 161 00:09:11.039 --> 00:09:12.399 your union say about it? 162 00:09:14.919 --> 00:09:18.960 The person that I'm dealing with says that he feels 163 00:09:18.960 --> 00:09:23.159 we have a strong case. The union lawyer basically is saying, 164 00:09:23.360 --> 00:09:25.960 I've gone into these thinking that we'll win and we lose, 165 00:09:26.159 --> 00:09:26.799 and vice. 166 00:09:26.639 --> 00:09:30.000 Versa, so they're not going to fight. 167 00:09:31.919 --> 00:09:34.200 We currently have an arbitration date set. 168 00:09:36.799 --> 00:09:37.240 Okay. 169 00:09:37.360 --> 00:09:38.279 I just don't know. 170 00:09:38.200 --> 00:09:41.600 If I take the money that they're offering me advice, 171 00:09:41.639 --> 00:09:42.080 I don't think. 172 00:09:43.000 --> 00:09:45.679 I don't think. Listen, that's up to your attorney. But 173 00:09:45.759 --> 00:09:48.159 I don't think you have a choice. Hey, John Fuller, 174 00:09:48.200 --> 00:09:49.120 are you on right now? 175 00:09:49.200 --> 00:09:51.320 Is John on? He's going to be on it just 176 00:09:51.360 --> 00:09:55.519 a bit, Tom, Okay, you know here's what I think. 177 00:09:55.559 --> 00:09:58.679 He's our attorney, one of our attorneys Steve, you don't 178 00:09:58.720 --> 00:10:01.120 really have much of a choice. They must have gone 179 00:10:01.159 --> 00:10:06.039 to arbitration because there was mandatory arbitration with the union agreement, 180 00:10:06.200 --> 00:10:09.320 meaning that the union members don't sue, and that's why 181 00:10:09.360 --> 00:10:12.960 you're going to arbitration. Most union shops have an arbitration 182 00:10:13.120 --> 00:10:16.519 clause with the employer, So you're going to go to arbitration. 183 00:10:16.919 --> 00:10:19.600 And if they offer you a cash settlement, I don't 184 00:10:19.639 --> 00:10:22.639 see the You don't have any upside turning it down. 185 00:10:23.039 --> 00:10:26.879 You can't take them to court. I mean, if your 186 00:10:27.000 --> 00:10:31.000 union doesn't fight them, you got to go to arbitration first. 187 00:10:31.440 --> 00:10:34.080 Then you usually can go to court. But what I'm 188 00:10:34.080 --> 00:10:37.240 saying is I don't think your union attorneys will represent you. 189 00:10:37.960 --> 00:10:40.320 He was already saying, look, we're you know, I've seen 190 00:10:40.399 --> 00:10:42.279 some of these and we you know, we can win 191 00:10:42.399 --> 00:10:44.159 or lose, and they probably don't want to take on 192 00:10:44.200 --> 00:10:44.519 the fight. 193 00:10:44.919 --> 00:10:46.279 Steve. I really think. 194 00:10:46.240 --> 00:10:51.480 Arbitration is your best bet, and I don't think it 195 00:10:51.559 --> 00:10:55.559 would behoove you to fight after that. Not really, not really, 196 00:10:56.320 --> 00:10:59.240 unless the union says. Unless the union says, hey, bro, 197 00:11:00.159 --> 00:11:04.080 this was really really unsavory. Let's go to court. I 198 00:11:04.120 --> 00:11:07.320 mean that's different, but really, Steve, you gotta go with 199 00:11:07.399 --> 00:11:10.840 your your counsel three three seven one three eight two 200 00:11:10.840 --> 00:11:14.159 five five. Waterpros dot net the best water systems. You 201 00:11:14.200 --> 00:11:17.799 know how I feel. You just don't get better for 202 00:11:17.879 --> 00:11:23.559 a lower price anywhere. Quality, service, dependability. It's got the 203 00:11:23.600 --> 00:11:27.200 whole house, conditioning the whole house, and you also will 204 00:11:27.240 --> 00:11:30.480 have drinking water at the kitchen sink. You'll get rid 205 00:11:30.559 --> 00:11:35.159 of forever chemicals, chlorine plastics. Waterpros dot net just thirty 206 00:11:35.240 --> 00:11:38.000 nine to ninety five for the whole house. Plumbers can't 207 00:11:38.039 --> 00:11:39.639 touch it. 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Kevin Amy yesterday called 223 00:12:35.600 --> 00:12:37.600 in with her twenty eleven beamer. 224 00:12:38.000 --> 00:12:38.960 How many miles on it? 225 00:12:39.039 --> 00:12:43.799 Amy, there's about one hundred and forty one thousand mile line. 226 00:12:45.360 --> 00:12:48.399 And it's a three thirty five I and that just 227 00:12:48.519 --> 00:12:52.240 reeks all problems. But here's what happened. She took a 228 00:12:52.320 --> 00:12:55.639 road trip to North Carolina. During that road trip, she 229 00:12:55.720 --> 00:13:00.279 was experiencing some problems. Now, Amy, explain the best ken 230 00:13:00.360 --> 00:13:03.279 to Kevin. When it first started, you were driving down 231 00:13:03.279 --> 00:13:05.759 the highway, yes. 232 00:13:06.759 --> 00:13:07.879 And what happened. 233 00:13:09.120 --> 00:13:11.720 You would hear like this, something from under the hood, 234 00:13:11.799 --> 00:13:15.840 maybe something flapping or like a knock type sound. 235 00:13:16.320 --> 00:13:19.759 And then, now, let me ask you this, Amy, let 236 00:13:19.799 --> 00:13:20.360 me ask you this. 237 00:13:20.399 --> 00:13:23.679 When you were driving hearing this knock, was it a 238 00:13:23.720 --> 00:13:24.639 steady knock or. 239 00:13:24.639 --> 00:13:27.279 Every now and then? Was it knock knock, knock, knock, knock, knock, knock, 240 00:13:27.360 --> 00:13:28.120 or was it. 241 00:13:29.720 --> 00:13:29.759 Not? 242 00:13:30.480 --> 00:13:34.159 Not like it was it regular or irregular? 243 00:13:35.279 --> 00:13:38.840 It was it was regular maybe like a maybe not 244 00:13:38.919 --> 00:13:41.480 like a knock like you would think knock, but like 245 00:13:41.519 --> 00:13:43.279 a more like a ping or something. 246 00:13:43.639 --> 00:13:50.559 But it intends, okay, and would that sound change? 247 00:13:50.679 --> 00:13:53.080 Would that sound change with the speed of your car? 248 00:13:54.679 --> 00:14:00.840 Yes, okay, what does that sound like to you lifters? 249 00:14:01.960 --> 00:14:04.639 Yeah, it could be almost anything. Did you stop and 250 00:14:04.759 --> 00:14:06.559 you know, check fluids or just yeah? 251 00:14:06.600 --> 00:14:09.600 She said, Well, she was about to tell us Amy 252 00:14:09.639 --> 00:14:12.000 when I when I interrupted you, you said, and then 253 00:14:12.679 --> 00:14:13.360 what happened? 254 00:14:13.360 --> 00:14:13.759 Go ahead? 255 00:14:14.399 --> 00:14:18.320 My check engine life came on and it started actually 256 00:14:18.399 --> 00:14:22.399 flashing my engine, and so I pulled over and I 257 00:14:22.440 --> 00:14:26.200 popped the hood and uh, it wasn't hot or overheating. 258 00:14:26.480 --> 00:14:31.279 I wasn't low on oil, none of that. So then 259 00:14:31.320 --> 00:14:33.840 I turned my car back on and it was normal, 260 00:14:34.519 --> 00:14:37.799 and I still heard the sound from under the hood. 261 00:14:38.559 --> 00:14:41.840 And then it happened again that later that evening, and 262 00:14:42.399 --> 00:14:45.120 when I had stopped later that evening, I was a 263 00:14:45.200 --> 00:14:47.960 court low. So I'm not sure if I'm leaking oil. 264 00:14:48.000 --> 00:14:50.039 I think I'm burning oil because I don't see any 265 00:14:50.039 --> 00:14:51.159 oil leaves or anything. 266 00:14:51.679 --> 00:14:54.799 But yeah, and then. 267 00:14:54.720 --> 00:14:55.639 I had to let it sit. 268 00:14:55.840 --> 00:15:00.600 Okay, crazy, Okay, when you let it set you started 269 00:15:00.679 --> 00:15:01.120 up again? 270 00:15:03.039 --> 00:15:07.799 Today? No, at that time, I was able to restart 271 00:15:07.840 --> 00:15:09.639 it after about an hour, hour and a half. 272 00:15:11.399 --> 00:15:14.240 Now, one other thing, Kevin. 273 00:15:14.639 --> 00:15:16.960 She went to an autoparts store, and they pulled some 274 00:15:17.039 --> 00:15:22.600 codes P three hundred, P three hundred, P three two 275 00:15:23.320 --> 00:15:24.759 P three oh five. 276 00:15:25.399 --> 00:15:27.519 Yep, random and then multiple misfires. 277 00:15:27.559 --> 00:15:30.919 Yeah, okay, you know that by heart. 278 00:15:31.000 --> 00:15:32.879 Huh oh yeah, those are common codes. 279 00:15:33.200 --> 00:15:36.559 Tell me what does that sound like to you? If 280 00:15:36.559 --> 00:15:37.440 you had to guess. 281 00:15:37.679 --> 00:15:39.759 Oh, it could be a number of things. It could 282 00:15:39.759 --> 00:15:42.360 be a compression issue, it could be sparked few injectors, 283 00:15:42.399 --> 00:15:44.679 almost anything. So that's why the light. 284 00:15:44.799 --> 00:15:46.480 Could it be the entire engine? 285 00:15:47.039 --> 00:15:50.919 It absolutely could, sure, especially with noises, with everything else 286 00:15:50.960 --> 00:15:51.399 going on. 287 00:15:51.519 --> 00:15:58.879 Yeah, absolutely, Amy, You're in north Glen right, Yes? How 288 00:15:58.919 --> 00:16:01.440 far are you from full Facts in Wadsworth? 289 00:16:01.600 --> 00:16:06.279 Just in general, I'm not too far from there, probably 290 00:16:06.279 --> 00:16:09.519 like twenty minutes drive probably. 291 00:16:10.759 --> 00:16:16.559 Well, Kevin, Yeah, what happens now when you try to 292 00:16:16.559 --> 00:16:17.120 start it. 293 00:16:18.600 --> 00:16:21.799 Well, it doesn't start. I guess the battery is dead. 294 00:16:22.799 --> 00:16:25.799 But I can I can drive. But the last time 295 00:16:25.840 --> 00:16:29.080 I drove the vehicle it actually stalled on me two 296 00:16:29.120 --> 00:16:33.399 blocks after I started driving, So I probably would have 297 00:16:33.480 --> 00:16:37.799 to have the vehicle towed there. But I'm I can 298 00:16:37.879 --> 00:16:39.159 do that. I'm willing to do it. 299 00:16:39.240 --> 00:16:42.399 I mean, I well, yeah, we got to make sure 300 00:16:42.480 --> 00:16:45.240 Kevin can get it in now do you have in Kate? 301 00:16:45.320 --> 00:16:48.320 You know obviously we can't do a bunch of free repairs. 302 00:16:48.360 --> 00:16:51.039 He can do a free diagnostic for you. But Amy, 303 00:16:51.120 --> 00:16:53.159 do you have money to get it fixed? 304 00:16:54.600 --> 00:16:54.840 Well? 305 00:16:54.960 --> 00:16:59.799 I don't have a stockpile of cash, but I do work, 306 00:17:00.039 --> 00:17:01.919 and I live paycheck to paycheck. 307 00:17:03.480 --> 00:17:06.200 Well, here's the deal. Let's just get it there and 308 00:17:06.240 --> 00:17:08.839 get it checked. I mean, but I don't think you're 309 00:17:08.880 --> 00:17:11.079 going to have a recourse against the seller. 310 00:17:12.200 --> 00:17:13.000 I don't think so. 311 00:17:14.160 --> 00:17:16.880 I don't unless they didn't have the money to do 312 00:17:17.000 --> 00:17:19.079 a bencheck at the time. And I had already ran 313 00:17:19.160 --> 00:17:22.160 through my check with car with car backs because I 314 00:17:22.640 --> 00:17:25.759 had been looking for a vehicle. And I found out 315 00:17:25.839 --> 00:17:29.279 that my title was branded twice and it's branded as 316 00:17:29.480 --> 00:17:33.359 junk salvage. And I'm just like, how did that get 317 00:17:33.400 --> 00:17:34.680 back on the market. 318 00:17:34.440 --> 00:17:38.039 In the first Amy, Amy, they sold you a car 319 00:17:38.160 --> 00:17:40.680 that was salvaged and they washed the title. 320 00:17:42.039 --> 00:17:42.920 Twice? 321 00:17:43.160 --> 00:17:43.680 They did it? 322 00:17:43.759 --> 00:17:46.200 Yes, it was. It was two comes back with two 323 00:17:46.240 --> 00:17:51.839 branded titles as junk hyphen slash salvage. 324 00:17:53.680 --> 00:17:58.039 Hey wait a minute, that's and when you bought it, 325 00:17:58.319 --> 00:18:05.039 did it did they advise you of No? Okay, now 326 00:18:05.039 --> 00:18:09.039 we got a problem. Mm hmmm, Kevin, I think they 327 00:18:09.079 --> 00:18:11.400 have to disclose of it's salvage. 328 00:18:11.480 --> 00:18:14.079 Absolutely, especially if it's on the title. But if they 329 00:18:14.200 --> 00:18:16.400 washed the title, they may not be responsible. They may 330 00:18:16.400 --> 00:18:17.119 not have known either. 331 00:18:19.279 --> 00:18:23.240 Oh I bet you they knew. Yeah we Hey, deputy, 332 00:18:23.279 --> 00:18:26.440 dollars in a dollar? Are you in today? 333 00:18:27.279 --> 00:18:27.480 Yeah? 334 00:18:27.519 --> 00:18:29.480 I'm here, Tom. 335 00:18:29.720 --> 00:18:32.680 Why don't we call this dealer? I mean, let's find out. 336 00:18:33.160 --> 00:18:36.039 I don't know how she got a clean title if 337 00:18:36.039 --> 00:18:41.920 it was previously washed, I mean previously salvage Amy title. 338 00:18:42.039 --> 00:18:44.920 The way they they the way I signed the title 339 00:18:45.559 --> 00:18:50.799 was it was from a like a state farm. It 340 00:18:50.880 --> 00:18:51.880 was like it was so you. 341 00:18:51.880 --> 00:18:54.680 Knew it was so it was probably we we need 342 00:18:54.680 --> 00:18:57.240 to see the paperwork. I think they probably told you 343 00:18:57.279 --> 00:18:59.079 it was salvage and you just didn't know it. 344 00:19:00.079 --> 00:19:04.000 Yeah, thankang an idea in the paperwork, you know. 345 00:19:05.000 --> 00:19:09.680 Ially, the only thing that I said that was the 346 00:19:09.759 --> 00:19:12.599 mileage was not the actual mileage. That's the only thing. 347 00:19:12.720 --> 00:19:15.599 I Yeah, listen, I think Amy, I think you bought 348 00:19:15.640 --> 00:19:16.440 a hunk of junk. 349 00:19:16.519 --> 00:19:18.000 I hope to god it works. 350 00:19:18.279 --> 00:19:20.440 I mean I hope that Kevin can find something that 351 00:19:20.480 --> 00:19:23.839 can be repaired. Let's just leave it there. Okay, that's 352 00:19:23.839 --> 00:19:27.119 our next step. Bob has a question for Kevin while 353 00:19:27.119 --> 00:19:29.440 he's on the air. On the line here, Bob, what 354 00:19:29.559 --> 00:19:34.200 is your question for Kevin at Sheridan Auto tech dot com. 355 00:19:34.359 --> 00:19:36.680 Well, you know, we've got the import tariffs coming in. 356 00:19:36.759 --> 00:19:38.599 I got a friend who just bought a new car. 357 00:19:39.720 --> 00:19:42.480 I'm just like, I really like the car of God, 358 00:19:42.680 --> 00:19:44.839 and I'm just wondering, how long do I you know, 359 00:19:44.920 --> 00:19:47.440 how long do you really last if you take really 360 00:19:47.440 --> 00:19:49.039 good care of them? 361 00:19:49.440 --> 00:19:50.480 Well? What car do you have? 362 00:19:51.240 --> 00:19:51.960 Yeah, look at a car. 363 00:19:52.240 --> 00:19:56.319 I've got a twenty seventeen QX fifty. It's got the 364 00:19:56.359 --> 00:19:58.079 three point seven liters six in it. 365 00:20:00.079 --> 00:20:03.039 No, they're great cars. Yeah, you can. Most cars can 366 00:20:03.079 --> 00:20:06.000 go to one hundred fifty to two hundred with proper 367 00:20:06.079 --> 00:20:11.480 regular maintenance. It's it's not complicated. Yeah, don't skip out. 368 00:20:11.519 --> 00:20:15.079 I just you know, yeah, I've just got one hundred. Yeah, 369 00:20:15.759 --> 00:20:17.559 you know, I've probably got three years left. 370 00:20:18.440 --> 00:20:24.039 Yeah, well sure you do. Look, those are really good cars, Bob. 371 00:20:24.200 --> 00:20:26.000 Why were you wondering about the terraff. 372 00:20:28.440 --> 00:20:30.240 Oh no, I've got a buddy who just ran out 373 00:20:30.279 --> 00:20:32.400 and bought a new car because the terra for coming 374 00:20:32.440 --> 00:20:34.480 in all this and that and I just really liked 375 00:20:34.480 --> 00:20:35.920 this car, and I take good care of it. 376 00:20:36.359 --> 00:20:37.839 I'm just I normally. 377 00:20:37.480 --> 00:20:40.359 Trade them in about one hundred thousand miles, but I 378 00:20:40.359 --> 00:20:41.440 think I'm just going to keep this. 379 00:20:42.880 --> 00:20:43.079 Yep. 380 00:20:43.200 --> 00:20:45.920 More and more people well, and I don't think more 381 00:20:45.960 --> 00:20:50.079 and more people are and with the especially Japanese cars, Yep, 382 00:20:50.680 --> 00:20:52.319 you can get a lot of life out of them. 383 00:20:52.640 --> 00:20:53.079 I agree. 384 00:20:53.359 --> 00:20:56.079 I'm telling you, when it comes to auto builders, the 385 00:20:56.200 --> 00:21:01.079 Japanese standout, and that's just the way it is. Above 386 00:21:01.160 --> 00:21:05.960 German cars, above American cars. In fact, German cars have 387 00:21:06.079 --> 00:21:08.839 come down in the world in my opinion. Kevin, would 388 00:21:08.839 --> 00:21:10.039 you say quality over the. 389 00:21:10.079 --> 00:21:13.279 Years absolutely a great. Yeah, you got to own them 390 00:21:13.319 --> 00:21:16.400 new and bail at three years or you're gonna you're 391 00:21:16.440 --> 00:21:19.880 gonna have problems for last collar, you know. Yeah, you can't. 392 00:21:19.599 --> 00:21:21.160 Very experience like problems. 393 00:21:21.720 --> 00:21:21.920 Yep. 394 00:21:22.519 --> 00:21:25.319 Right, three oh three seven, one, three eight, two five five. 395 00:21:25.319 --> 00:21:27.279 Frank Durand the real estate man can give you a 396 00:21:27.279 --> 00:21:30.599 market valuation of your home. What is that, Well, let's 397 00:21:30.599 --> 00:21:32.680 say you're not sure you want to sell. He can 398 00:21:32.720 --> 00:21:36.039 do an analysis free of charge, complimentary and let you 399 00:21:36.079 --> 00:21:37.720 know what it will sell for and what you will 400 00:21:37.759 --> 00:21:41.400 net based on his vast thirty year experience. Get that 401 00:21:41.440 --> 00:21:45.000 free analysis. Frank Duran, The real Estate Man dot com 402 00:21:45.000 --> 00:21:48.359 three oh three nine to zero, sixteen twenty two. 403 00:21:48.200 --> 00:21:52.079 Knock knock, knock, knock, knock, knock, knock, knock. 404 00:21:55.759 --> 00:21:59.039 Go with a sure thing Denver's best roofer Excel Roofing 405 00:21:59.119 --> 00:22:01.759 dot Com. You don't pay a cent until you're content. 406 00:22:05.119 --> 00:22:08.319 Time for an insurance checkup free, no obligation. In comparison, 407 00:22:08.440 --> 00:22:12.000 call Compass Insurance paying too much your coverage at dozens 408 00:22:12.000 --> 00:22:14.759 of insurance companies find out now three all three seven 409 00:22:14.839 --> 00:22:15.279 seven to one. 410 00:22:15.440 --> 00:22:15.720 Help. 411 00:22:15.880 --> 00:22:18.519 You'll think you're his only customer when you choose Frank 412 00:22:18.559 --> 00:22:21.000 durand the real Estate Man dot com to list your 413 00:22:21.039 --> 00:22:24.160 home with Remax Alliance three all three nine two zero 414 00:22:24.319 --> 00:22:30.519 sixteen twenty two. Hey Tom Martine here and speaking of. 415 00:22:30.480 --> 00:22:35.920 Fuller, John is with us. Hello, Hello John. Hey. 416 00:22:36.839 --> 00:22:41.240 Do you know I started the show saying that since 417 00:22:41.279 --> 00:22:46.519 I got into financial advisement industry, the business, I found 418 00:22:46.559 --> 00:22:51.519 something pretty shocking and I'm I mean this now, this 419 00:22:51.720 --> 00:22:56.720 is compiled from just this is not what do you 420 00:22:56.759 --> 00:22:58.680 call research when you go out to find just what 421 00:22:58.720 --> 00:22:59.519 you want right. 422 00:23:00.599 --> 00:23:02.039 I wasn't even looking for this. 423 00:23:03.400 --> 00:23:07.160 I wasn't even looking for it, but I noticed a trend. 424 00:23:07.920 --> 00:23:10.359 We have, of course at Waveight Wealth. 425 00:23:10.119 --> 00:23:14.079 Management, both male and female clientele, and then we have couples. 426 00:23:15.559 --> 00:23:21.200 Now here's something John, I found shocking. In an examination 427 00:23:21.359 --> 00:23:32.960 of portfolios men, unmarried men had really good portfolio returns. Now, 428 00:23:33.000 --> 00:23:35.799 I'm saying good so I can put it all in perspective. 429 00:23:36.640 --> 00:23:41.599 They weren't outstanding, but they were good. Married men had 430 00:23:41.599 --> 00:23:48.720 a bit better, and single females had the worst returns. Now, 431 00:23:49.440 --> 00:23:53.039 these people were not investing their own money. They had 432 00:23:53.079 --> 00:23:54.799 financial advisors. 433 00:23:55.240 --> 00:23:59.480 Now, John, I don't know how an audience, I don't 434 00:23:59.480 --> 00:24:03.240 know how how you go to a financial advisor as 435 00:24:03.279 --> 00:24:06.079 a woman, and you go as a man, and you 436 00:24:06.119 --> 00:24:07.119 go as a married couple. 437 00:24:07.880 --> 00:24:09.519 I can see where a married. 438 00:24:09.200 --> 00:24:14.160 Couple would have different risk tolerances and financial goals, like 439 00:24:14.200 --> 00:24:18.119 with kids and stuff, where that might be a more 440 00:24:18.200 --> 00:24:21.279 babysat portfolio. Although you know what I say, in their 441 00:24:21.319 --> 00:24:23.359 financial advisement, they don't babyshit crap. 442 00:24:23.400 --> 00:24:25.720 But but but a single woman. 443 00:24:26.359 --> 00:24:31.319 Why is it that a single woman versus a single 444 00:24:31.400 --> 00:24:38.759 man have vastly different returns on investments if you look 445 00:24:38.799 --> 00:24:41.160 at male portfolios. 446 00:24:40.519 --> 00:24:46.839 Go ahead, John, with completely passive investments. I mean, that's that's. 447 00:24:45.279 --> 00:24:49.279 This versus managed money, versus managed money. 448 00:24:49.599 --> 00:24:51.039 These are not day traders. 449 00:24:51.319 --> 00:24:52.200 That whole thing is. 450 00:24:52.359 --> 00:24:55.799 I mean, in theory, you should take the same risk 451 00:24:55.960 --> 00:25:00.440 tolerance profile of say investor A and investor BE, and 452 00:25:00.440 --> 00:25:02.319 if they came out with the same score on the 453 00:25:02.839 --> 00:25:06.119 risk tolerance, it should have almost identical portfolios. 454 00:25:06.160 --> 00:25:09.000 When you think, well, yeah, that's that's the and John 455 00:25:09.079 --> 00:25:12.359 is touching on the for the on the financial advisement industry. Now, 456 00:25:12.400 --> 00:25:14.319 we don't do it that way, but that's what most do. 457 00:25:14.599 --> 00:25:17.519 Most financial advisors shake hands and get to know people, 458 00:25:18.000 --> 00:25:20.359 go to their kitchen table or they meet at a restaurant, 459 00:25:20.519 --> 00:25:23.160 and then they talk about investments. They say, well, what 460 00:25:23.279 --> 00:25:26.920 are your goals and that's an appropriate question, and what 461 00:25:26.920 --> 00:25:29.000 what are you comfortable with as far as risk? 462 00:25:29.240 --> 00:25:30.920 And what did this happened or that happened? 463 00:25:30.920 --> 00:25:31.000 What? 464 00:25:31.720 --> 00:25:32.079 Okay? 465 00:25:32.119 --> 00:25:34.039 Then you're right, John. Then they send that up to 466 00:25:34.119 --> 00:25:36.720 line to a giant investor who then invests their funds. 467 00:25:36.920 --> 00:25:39.720 That's how the industry works. They don't know you. They 468 00:25:39.799 --> 00:25:42.880 just put you in a in a group. Now, sometimes 469 00:25:42.880 --> 00:25:45.079 that works very well, by the way, sometimes it does. 470 00:25:46.160 --> 00:25:49.880 Sometimes though they push funds that they work for. 471 00:25:50.000 --> 00:25:51.839 So you know that's one thing. 472 00:25:51.920 --> 00:25:55.720 Then you have number two, you have investment advisors who 473 00:25:55.920 --> 00:25:59.079 actually invest your money. They actually listen to you, and 474 00:25:59.119 --> 00:26:00.480 they tailor it to you. 475 00:26:00.640 --> 00:26:01.319 That's what we do. 476 00:26:01.599 --> 00:26:04.079 We are one of the probably two percent of all 477 00:26:04.079 --> 00:26:08.160 planners and all advisors because every single client is different, 478 00:26:08.279 --> 00:26:11.720 every single one has a portfolio chosen for them. Now, 479 00:26:11.839 --> 00:26:14.160 no matter how you look at it, what John said 480 00:26:14.240 --> 00:26:17.000 is true. If you go to a financial advisor, how 481 00:26:17.119 --> 00:26:19.799 is it that if they use the same questionnaires and 482 00:26:19.880 --> 00:26:23.039 the same procedure, how is it that I'm looking at 483 00:26:23.160 --> 00:26:29.599 stats that absolutely positively show that female investment for polios 484 00:26:30.000 --> 00:26:33.880 are routinely less than males. I don't understand it. And 485 00:26:33.960 --> 00:26:37.119 I brought this up not because I have any great answers. 486 00:26:37.440 --> 00:26:41.359 It's absolutely a fact. And then I went and further researched, 487 00:26:41.880 --> 00:26:47.359 and because we were finding this and Yahoo Finance actually 488 00:26:48.359 --> 00:26:54.039 went to the Census Bureau and published actual returns. 489 00:26:54.799 --> 00:27:01.000 The gap is astounding. It is absolutely astounding. If you 490 00:27:01.039 --> 00:27:05.559 look at this chart, you will see that male counterparts 491 00:27:06.200 --> 00:27:10.799 male just single males investing in the stock market and 492 00:27:10.920 --> 00:27:16.880 single females with advisors, men are almost double of what 493 00:27:16.960 --> 00:27:18.200 women get in returns? 494 00:27:18.759 --> 00:27:19.799 Now, why is that? 495 00:27:20.079 --> 00:27:22.720 I doubt And I'm not trying to you know, I'm 496 00:27:22.759 --> 00:27:28.279 not saying that. You know, the financial advisor is going 497 00:27:28.359 --> 00:27:30.680 to because many of them are female too. They're going 498 00:27:30.720 --> 00:27:32.359 to look at a woman and say, ah, we don't 499 00:27:32.400 --> 00:27:34.599 care that much about you, We're not going to babysat 500 00:27:34.640 --> 00:27:35.799 your portfolio that much. 501 00:27:36.160 --> 00:27:38.079 But even what but as John. 502 00:27:37.960 --> 00:27:40.799 Alluded to, they put you with a big broker somewhere, 503 00:27:40.880 --> 00:27:43.839 a big advisor, and that advisor doesn't know that account 504 00:27:43.880 --> 00:27:47.039 numbers a male or female. I mean, how the hell 505 00:27:47.559 --> 00:27:50.440 does it turn out that women are getting the short 506 00:27:50.559 --> 00:27:53.279 end of the stick through investing. 507 00:27:53.559 --> 00:27:56.759 I wish I knew. I have no idea. Could it 508 00:27:56.880 --> 00:27:59.119 be that single. 509 00:27:58.799 --> 00:28:03.160 Women fill out those questionnaires and really maybe take a 510 00:28:03.200 --> 00:28:08.400 big risk of maybe they're more risk adverse, you know, 511 00:28:08.799 --> 00:28:13.000 than the male counterparts, because remember most financial advisors do 512 00:28:13.079 --> 00:28:15.759 the questionnaires and all of that crap and then send 513 00:28:15.799 --> 00:28:18.079 it up the line and make a commission on you. 514 00:28:18.720 --> 00:28:21.880 So maybe the women answer, well, it has to be that. 515 00:28:22.039 --> 00:28:25.240 It can't be anything else because account numbers have no gender. 516 00:28:25.880 --> 00:28:27.720 I don't know who I'm investing for when I have 517 00:28:27.759 --> 00:28:31.400 an account number, you know, when I'm a giant firm, 518 00:28:31.799 --> 00:28:34.440 so they're not thinking, let's do less for women than men. 519 00:28:34.680 --> 00:28:37.160 I think it has to be in the questions. I 520 00:28:37.359 --> 00:28:40.160 think it has to be in the perception. When the 521 00:28:40.160 --> 00:28:45.559 females are asked questions about investing, they must come back 522 00:28:45.720 --> 00:28:50.039 maybe in a way that denotes they want less risk 523 00:28:51.240 --> 00:28:55.200 and maybe more principal protection than a male, and therefore 524 00:28:55.559 --> 00:28:58.480 the male over time has higher returns. 525 00:28:58.559 --> 00:29:01.559 Would you say that, said John Well, I mean that 526 00:29:01.640 --> 00:29:04.000 kind of defeats the whole premise of the questions being 527 00:29:04.039 --> 00:29:08.119 answered identically. But here's my theory, if you will. I mean, 528 00:29:08.359 --> 00:29:11.759 just in my own circumstance. My wife, I don't think, 529 00:29:11.799 --> 00:29:16.359 has ever once called our financial person to say, hey, 530 00:29:16.400 --> 00:29:19.480 what's going on with the account? You know, what do 531 00:29:19.519 --> 00:29:22.759 you think about this? And may never ever ever want 532 00:29:22.880 --> 00:29:25.599 she would have to go look up the log ins 533 00:29:25.640 --> 00:29:28.720 to actually go log into her account, and yet historically 534 00:29:28.960 --> 00:29:32.200 hers have done better than mine, and I, you know, 535 00:29:32.319 --> 00:29:35.400 I talked to mine somewhat regularly. I try not to 536 00:29:35.599 --> 00:29:39.119 interfere or inject any of my wisdom, which is the 537 00:29:39.240 --> 00:29:40.200 wrong thing to do. 538 00:29:41.519 --> 00:29:42.200 Yeah, I don't know. 539 00:29:42.279 --> 00:29:47.079 Maybe just maybe a completely passive investor that doesn't interfere 540 00:29:47.160 --> 00:29:50.359 and has the patience to just let the portfolios do 541 00:29:50.440 --> 00:29:53.480 what they're supposed to do. In the end, has a 542 00:29:53.480 --> 00:29:54.640 better outcome. 543 00:29:56.880 --> 00:29:57.279 Could be. 544 00:29:57.599 --> 00:29:59.920 Now, John, what you said about answering questions, I do 545 00:30:00.000 --> 00:30:06.119 ethnically on these surveys from from Yahoo Finance and the 546 00:30:06.160 --> 00:30:12.680 Census Bureau, the investors. These are raw returns and the investor. 547 00:30:12.759 --> 00:30:15.359 We don't know what the investors answered on questions. 548 00:30:15.559 --> 00:30:17.640 We have no idea. They didn't go that far. 549 00:30:17.920 --> 00:30:22.039 All they did were raw returns per gender, raw returns 550 00:30:22.079 --> 00:30:22.599 per gender. 551 00:30:24.079 --> 00:30:27.799 Yeah, so you can't really infuse my premise to analyze that. 552 00:30:27.920 --> 00:30:31.160 I mean, right right, I think you're probably right. I 553 00:30:31.519 --> 00:30:36.119 think most you know, female investors and particularly you know, 554 00:30:36.319 --> 00:30:40.160 single female investors are probably going to trend more conservative 555 00:30:40.240 --> 00:30:43.319 and and you know, long term capital growth and not, 556 00:30:43.759 --> 00:30:46.000 you know, not have as much of a risk tolerance 557 00:30:46.079 --> 00:30:49.759 as as maybe the you know, the male counterpart would be. 558 00:30:49.960 --> 00:30:51.720 I think that's pretty safe to say. 559 00:30:53.359 --> 00:30:55.160 Thank you, John. Well, we got to take a break. 560 00:30:55.759 --> 00:30:56.319 Coming back. 561 00:30:56.400 --> 00:31:01.200 Dmitri Christie's on the line for an update and we'll 562 00:31:01.200 --> 00:31:03.480 talk about that coming up. I'm Tom Martino three oh 563 00:31:03.519 --> 00:31:07.839 three seven one three eight two five five go with 564 00:31:07.920 --> 00:31:11.480 a sure thing Denver's best roofer Excel Roofing dot com. 565 00:31:11.519 --> 00:31:17.240 You don't pay a cent until you're content. Time for 566 00:31:17.279 --> 00:31:20.480 an insurance check up free, no obligation. In comparison, call 567 00:31:20.559 --> 00:31:23.880 Compass Insurance paying too much your coverage at dozens of 568 00:31:23.920 --> 00:31:26.880 insurance companies find out now three all three seven seven 569 00:31:26.880 --> 00:31:27.119 to one. 570 00:31:27.240 --> 00:31:27.519 Help. 571 00:31:27.640 --> 00:31:30.279 You'll think you're his only customer when you choose Frank 572 00:31:30.359 --> 00:31:32.799 durand the real estate Man dot com to list your 573 00:31:32.839 --> 00:31:35.960 home with Remax Alliance three oh three nine two zero 574 00:31:36.119 --> 00:31:39.599 sixteen twenty two. 575 00:31:42.039 --> 00:31:45.319 Hey Tom Martino here, what do you do when you 576 00:31:45.359 --> 00:31:48.319 go on door dash and give the wrong address? How 577 00:31:48.319 --> 00:31:51.160 do you change it? Come on, there's got to be 578 00:31:51.160 --> 00:31:52.079 a way to change it. 579 00:31:52.119 --> 00:31:54.400 Come on, man, how do. 580 00:31:54.440 --> 00:31:54.920 You do it? 581 00:31:56.200 --> 00:31:59.160 There's got to be a way to change your address? 582 00:31:59.640 --> 00:32:00.519 Can you contract? 583 00:32:00.599 --> 00:32:02.799 Okay, change your dress? I just found it. 584 00:32:03.000 --> 00:32:05.480 Oh thank god, I've just found it because it was 585 00:32:05.519 --> 00:32:09.240 going somewhere that I don't go right now today. 586 00:32:09.640 --> 00:32:12.480 Okay, I changed my address. This is a good app. 587 00:32:13.160 --> 00:32:16.160 I just changed my address. So there you go. 588 00:32:16.759 --> 00:32:18.599 I think it's gonna be good anyway. 589 00:32:18.640 --> 00:32:21.079 Three oh three seven to one three talk three oh 590 00:32:21.079 --> 00:32:24.400 three seven one three eight two five five I digress. 591 00:32:24.440 --> 00:32:26.640 I'm doing a radio show, right, I guess I got 592 00:32:26.640 --> 00:32:29.559 to get out of a door dash here. Okay, so 593 00:32:29.759 --> 00:32:35.079 let's talk about uh this follow up with Dimitri. I'm 594 00:32:35.119 --> 00:32:37.559 gonna put you on the camera here, Dimitri with us. 595 00:32:37.839 --> 00:32:41.839 So what's going on with Christy? Let's recap the problem. 596 00:32:41.519 --> 00:32:43.480 For you know, Christy called us a couple of weeks 597 00:32:43.519 --> 00:32:46.640 ago because she just bought a new Honda Hybrid and 598 00:32:47.079 --> 00:32:51.119 her complaint was that it's making two noises. One is 599 00:32:51.200 --> 00:32:53.279 kind of a tick tick tick tick tick sound which 600 00:32:53.359 --> 00:32:56.279 comes and goes, and the other one is this very 601 00:32:56.559 --> 00:33:04.599 high pitched wit fas circumstances all right, and and you know, 602 00:33:04.680 --> 00:33:06.599 it seems like most people thought she was kind of 603 00:33:06.640 --> 00:33:10.839 crazy really, but well, it's a it's a sound that 604 00:33:10.960 --> 00:33:13.319 she said only she can hear and not everybody else 605 00:33:13.359 --> 00:33:17.440 can hear it. There it is, That's exactly what I heard. 606 00:33:18.119 --> 00:33:19.359 So but you actually heard it? 607 00:33:19.559 --> 00:33:22.279 Yeah, Kevin from Shardon Autotech and I went for a 608 00:33:22.400 --> 00:33:27.960 ride with Christy, and Kevin only heard the sound once, 609 00:33:28.720 --> 00:33:32.279 but I heard it probably a dozen times, and it 610 00:33:32.440 --> 00:33:34.680 was very clear to me that the sound it's just 611 00:33:34.759 --> 00:33:38.240 a camp sportage. No, no, it's a Honda. I can't 612 00:33:38.279 --> 00:33:42.240 remember what Honda, but it's brand new, that's it. It's 613 00:33:42.279 --> 00:33:44.559 a really nice looking car of beautiful blue paint. 614 00:33:44.640 --> 00:33:46.319 By the way, for some reason, I can't find her 615 00:33:46.319 --> 00:33:49.400 original call. It's okay, she's here in my you're spelling 616 00:33:49.440 --> 00:33:52.319 it right? How am I spelling it? 617 00:33:53.720 --> 00:33:53.960 And I. 618 00:33:56.880 --> 00:33:56.920 R? 619 00:33:57.440 --> 00:33:59.519 Okay? Got it? Okay, go ahead. 620 00:34:00.440 --> 00:34:03.039 We went on a trip with my sisters last week 621 00:34:03.200 --> 00:34:05.759 and one sister could hear it and one sister could not, 622 00:34:06.119 --> 00:34:08.280 So it is selective who. 623 00:34:08.239 --> 00:34:08.880 Gets to hear it. 624 00:34:10.480 --> 00:34:11.800 Yeah, I'm not surprised, Tom. 625 00:34:12.119 --> 00:34:14.559 If you can imagine a high pitched sound that borders 626 00:34:14.599 --> 00:34:18.360 an ultrasonic and if you see it, now, have you 627 00:34:18.400 --> 00:34:20.119 ever been to the to a dentist that. 628 00:34:20.239 --> 00:34:21.679 Uses one of those ultrasonic crew? 629 00:34:22.440 --> 00:34:24.599 So some people hear it and some people don't. Yeah, no, 630 00:34:24.679 --> 00:34:27.079 I've heard that. Listen. That's not uncommon. 631 00:34:27.679 --> 00:34:30.639 There are frequencies some people can't stand and they can 632 00:34:30.719 --> 00:34:31.880 hear and other people can't. 633 00:34:32.039 --> 00:34:33.840 And I think you're one of those because I think 634 00:34:33.920 --> 00:34:37.639 you used to hear the high pitch sound from old TVs, right, 635 00:34:37.760 --> 00:34:39.360 the ones with the old CRT screw. 636 00:34:39.440 --> 00:34:42.639 That's exactly I heard it too. Now, Oh wait, what 637 00:34:42.719 --> 00:34:44.280 are we going to do about it, though, can we 638 00:34:44.440 --> 00:34:47.440 We'll talk about that coming back. I'm Tom Martine. Stick 639 00:34:47.480 --> 00:34:50.079 around Christy and then Ray needs investment advice. 640 00:34:50.159 --> 00:34:50.719 We'll talk to him. 641 00:34:50.760 --> 00:34:53.280 Coming up on The Troubleshooter Show three oh three seven 642 00:34:53.320 --> 00:34:54.639 one three Talk seven one three eight. 643 00:34:54.559 --> 00:34:57.239 Two five five or three oh three Martino. 644 00:35:05.000 --> 00:35:08.239 Go with a sure thing Denver's Best roofer Excel Roofing 645 00:35:08.360 --> 00:35:08.760 dot com. 646 00:35:08.960 --> 00:35:11.000 You don't pay a cent until you're content. 647 00:35:14.360 --> 00:35:17.519 Time for an insurance check up free, no obligation comparison 648 00:35:17.679 --> 00:35:21.239 call Compass Insurance. Pay too much your coverage at dozens 649 00:35:21.239 --> 00:35:24.000 of insurance companies find out now three oh three seven 650 00:35:24.079 --> 00:35:26.880 seven to one help. You'll think you're his only customer 651 00:35:26.960 --> 00:35:29.119 when you choose Frank durand the real estate Man dot 652 00:35:29.239 --> 00:35:32.519 com to list your home with Remax Alliance three oh 653 00:35:32.599 --> 00:35:34.639 three nine two zero sixteen twenty two. 654 00:35:40.199 --> 00:35:40.519 Ripped. 655 00:35:42.480 --> 00:35:48.840 You need that so you don't have to run ins 656 00:35:49.440 --> 00:35:51.239 as we can show. 657 00:35:51.440 --> 00:35:52.719 Shooter's gonna help. 658 00:35:53.000 --> 00:35:54.119 Come man. 659 00:35:55.599 --> 00:35:59.079 Is the Troubleshooter Show, No Tom Martine. 660 00:36:00.960 --> 00:36:02.079 Hello, I'm Tom Artine. 661 00:36:02.159 --> 00:36:02.880 Welcome to the show. 662 00:36:02.920 --> 00:36:05.159 Three oh three seven on three Talk seven one three 663 00:36:05.280 --> 00:36:06.400 eight two five five. 664 00:36:07.199 --> 00:36:09.800 What we do is solve problems. Answer questions, take complaints. 665 00:36:09.840 --> 00:36:13.519 We're covering millions of dollars for cash, merchandise, exchanges, refunds, 666 00:36:13.559 --> 00:36:14.159 and services. 667 00:36:15.039 --> 00:36:18.039 I got John Fuller with me and Fuller Law. John 668 00:36:18.079 --> 00:36:18.559 Fuller is. 669 00:36:18.519 --> 00:36:21.239 A personal injury attorney, but he's also our go to 670 00:36:21.440 --> 00:36:23.800 expert for other legal stuff and we use him as 671 00:36:23.840 --> 00:36:27.320 a co host, which he's doing today. So chime in 672 00:36:27.480 --> 00:36:29.920 John whenever you can. But I don't take breath, so 673 00:36:30.119 --> 00:36:36.880 it's gonna be hard. Christy, Uh, she had this car 674 00:36:37.039 --> 00:36:41.320 that's making a noise. I often wonder though, if you're 675 00:36:41.400 --> 00:36:44.840 susceptible or sensitive to a noise and no one else 676 00:36:44.920 --> 00:36:47.280 hears it, what does the manufacturer have to do? 677 00:36:47.760 --> 00:36:49.480 Well? Dmitri went and heard the noise. 678 00:36:49.760 --> 00:36:53.360 Christy says, sometimes people hear it, sometimes people don't. Would 679 00:36:53.400 --> 00:36:57.960 you say, Christy or Dimitri, the majority of people hear 680 00:36:58.119 --> 00:37:00.000 the noise or do not hear the noise? 681 00:37:00.480 --> 00:37:03.159 Now, based on my personal experience with hearing other high 682 00:37:03.199 --> 00:37:05.960 pitched sounds, I would say almost nobody can hear this sound. 683 00:37:06.760 --> 00:37:09.239 Well, what does what is a manufacturer to do or 684 00:37:09.280 --> 00:37:11.639 a dealer? When someone says, I don't like that high 685 00:37:11.679 --> 00:37:13.800 pitch squeal. It's a hybrid car, right. 686 00:37:13.840 --> 00:37:16.719 Yeah, it's a hybrid car, and in my view, the 687 00:37:16.840 --> 00:37:20.920 high pitch sound is associated with the recharging system. 688 00:37:21.440 --> 00:37:23.599 I heard why only when you let off on the game, 689 00:37:23.719 --> 00:37:24.320 you let off. 690 00:37:24.239 --> 00:37:27.760 The gas, it becomes apparent and then intensifies when you 691 00:37:27.840 --> 00:37:30.159 step on the brakes, which kind. 692 00:37:30.000 --> 00:37:31.079 Of makes sense because that's. 693 00:37:30.920 --> 00:37:33.320 When the recharging system works at all speeds. 694 00:37:33.440 --> 00:37:35.360 I hear it at all speeds. But you're right, it 695 00:37:35.519 --> 00:37:38.880 is louder when you're coasting, and it louder yet when 696 00:37:38.880 --> 00:37:39.400 you're breaking. 697 00:37:39.960 --> 00:37:40.679 But did you get a. 698 00:37:40.719 --> 00:37:42.639 Chance to call on on the service to see if 699 00:37:42.639 --> 00:37:43.760 they've heard this from others? 700 00:37:45.119 --> 00:37:47.000 Yeah, you know, I contacted two hundreds. 701 00:37:47.000 --> 00:37:47.920 This is what he wants to do. 702 00:37:48.079 --> 00:37:50.159 Listen, this is our this is our next step, and 703 00:37:50.199 --> 00:37:52.800 it's still on my front burner. So I'm going to 704 00:37:52.840 --> 00:37:55.400 follow up as soon as this phone calls concluded. But 705 00:37:56.039 --> 00:38:00.599 last week I left very detailed voice messages for two 706 00:38:00.639 --> 00:38:03.599 Honda dealers, Planet Honda and I forgot the other one. 707 00:38:04.159 --> 00:38:07.360 And what I asked for was for them to kind 708 00:38:07.400 --> 00:38:09.119 of make a joint appointment for you and me to 709 00:38:09.199 --> 00:38:12.400 come in with that car and discuss the sounds. See 710 00:38:12.440 --> 00:38:14.000 if they can hear it, see if they've heard this 711 00:38:14.119 --> 00:38:18.360 complaint before, and if they have, what has the manufacturer. 712 00:38:17.840 --> 00:38:18.440 Done about it? 713 00:38:18.960 --> 00:38:21.679 My question really is not it's not my intent to 714 00:38:21.760 --> 00:38:23.880 point the finger at Honda for making a defective ve. 715 00:38:24.039 --> 00:38:25.440 And what kind is it? A CRV? 716 00:38:25.880 --> 00:38:31.840 It's a CERV let's see hybrid. Yeah, hybrid, Yes, CERV 717 00:38:32.320 --> 00:38:33.360 sport hybrid. 718 00:38:33.920 --> 00:38:36.440 So it could be that this sound christy is within 719 00:38:36.519 --> 00:38:40.559 the design parameters of the vehicle, in which case our options, well, 720 00:38:40.599 --> 00:38:43.000 we won't have any options to fix it. But if 721 00:38:43.039 --> 00:38:45.320 they say, hey, look sometimes we can swap out this 722 00:38:45.559 --> 00:38:47.320 diode or resistor or something like that. 723 00:38:47.480 --> 00:38:48.800 Look what I found on Reddit? 724 00:38:49.039 --> 00:38:49.360 Uh huh. 725 00:38:50.119 --> 00:38:53.519 I bought a twenty twenty four CRV hybrid and earlier 726 00:38:53.599 --> 00:38:55.480 today and for the next time as I hear a 727 00:38:55.559 --> 00:38:59.079 high pitched whistle, Yeah, did you read this under Reddit? 728 00:38:59.239 --> 00:38:59.880 Nos? 729 00:38:59.880 --> 00:39:02.199 All kinds of people who are experienced this on Reddit 730 00:39:02.639 --> 00:39:05.079 once said same thing here. I have a twenty three hybrid. 731 00:39:05.840 --> 00:39:08.679 We did drive another carbon copy. My daughter and I 732 00:39:08.840 --> 00:39:11.239 drove that other vehicle just exactly like. 733 00:39:11.360 --> 00:39:13.000 Mine, and it did not make the noise. 734 00:39:13.239 --> 00:39:14.239 So even though I. 735 00:39:14.239 --> 00:39:18.559 Wouldn't say it's a bad design or whatever term you 736 00:39:18.719 --> 00:39:23.679 use malfunctioning, I don't think it's a parent or or there, 737 00:39:23.960 --> 00:39:27.079 and it doesn't manifest in every version. 738 00:39:26.840 --> 00:39:27.199 Of the car. 739 00:39:27.800 --> 00:39:29.719 Listen, that's what they're saying. On Reddit. 740 00:39:30.000 --> 00:39:33.199 They're saying select models because they've gone back and done 741 00:39:33.239 --> 00:39:35.920 the same thing you did and took test drives in 742 00:39:36.000 --> 00:39:37.440 other cars that don't have the noise. 743 00:39:37.760 --> 00:39:41.639 The same model, people, same year, same model, same trim. 744 00:39:41.880 --> 00:39:45.880 Christy Tom. Do any of those posts on Reddit suggest 745 00:39:46.119 --> 00:39:46.519 a fix. 746 00:39:46.960 --> 00:39:49.920 Here's what they're saying. Here's what they're saying. One had 747 00:39:49.960 --> 00:39:56.599 a Honda Engineering look into it. Information is not yet available, 748 00:39:57.039 --> 00:40:01.800 but Honda's internal engineering troubleshooting for they're talking about it, 749 00:40:01.920 --> 00:40:06.079 and I've had it back three months. The whining has 750 00:40:06.199 --> 00:40:09.159 been completely gone since I got it back. They didn't 751 00:40:09.159 --> 00:40:12.800 say what happened though. I know this is an old post, 752 00:40:12.840 --> 00:40:15.199 but I want to respond. I had the same noise. 753 00:40:16.199 --> 00:40:18.800 It's in my twenty twenty five. Can you send me 754 00:40:18.880 --> 00:40:24.800 the dealership that actually fixed it. Apparently Corporate Honda hasn't 755 00:40:24.880 --> 00:40:29.159 issued any kind of a service bulletin. However, the dealership 756 00:40:29.360 --> 00:40:32.760 test did confirm that there's a noise coming from it. 757 00:40:33.199 --> 00:40:35.840 This is weird, This is truly weird. 758 00:40:36.000 --> 00:40:38.239 Told me the service I went to told me they 759 00:40:38.320 --> 00:40:41.199 couldn't hear it, and then I had other people drive it, 760 00:40:41.280 --> 00:40:42.840 and then they said, oh, they can hear it, but 761 00:40:42.880 --> 00:40:44.039 as normal operations. 762 00:40:46.400 --> 00:40:46.599 Yeah. 763 00:40:46.719 --> 00:40:49.440 I mean that, so, Christy. So here's my next step. 764 00:40:49.480 --> 00:40:51.119 I'm gonna I think we have three or four more 765 00:40:51.239 --> 00:40:54.000 hundred dealers here that I haven't called yet. I started 766 00:40:54.039 --> 00:40:56.159 with the ones that are closest to you because you 767 00:40:56.199 --> 00:40:58.559 were in the springs. So let me call the other 768 00:40:58.639 --> 00:41:00.440 ones and let me see if I can get one 769 00:41:00.519 --> 00:41:02.519 of them. I'm going to call them right now, and 770 00:41:02.519 --> 00:41:04.239 I'm gonna see if one of them would be willing 771 00:41:04.280 --> 00:41:06.119 to make an appointment for both of us to come 772 00:41:06.159 --> 00:41:09.599 in and discuss this. Yeah, let's do that accusatory way, 773 00:41:10.199 --> 00:41:12.559 but in what you just did. Hey, have you heard 774 00:41:12.599 --> 00:41:14.280 this before? And if so, have ever been able to 775 00:41:14.360 --> 00:41:17.400 fix it? So I'll be in touch as soon as 776 00:41:17.440 --> 00:41:18.400 I make that appointment. 777 00:41:18.840 --> 00:41:20.960 All right, Christy, thank you for calling. We'll be in 778 00:41:21.039 --> 00:41:22.960 touch with you. Three oh three seven one three eight 779 00:41:23.039 --> 00:41:25.599 two five five? Ray, what's going on with you? 780 00:41:25.760 --> 00:41:25.920 Ray? 781 00:41:26.119 --> 00:41:27.840 Welcome? Hey? 782 00:41:27.880 --> 00:41:29.360 Hey, Tom, thank you very much. 783 00:41:29.719 --> 00:41:32.199 A first one to thank you and your team for 784 00:41:32.400 --> 00:41:36.400 providing the knowledge, means, and connections for those that are 785 00:41:36.480 --> 00:41:37.239 less informed. 786 00:41:37.320 --> 00:41:40.519 You do great brother, Thank you, thank you. 787 00:41:40.519 --> 00:41:46.440 Closed on a house yesterday, which will net me after taxes, 788 00:41:47.159 --> 00:41:50.320 the expenses, et cetera, about one point eight. 789 00:41:51.360 --> 00:41:53.800 I was curious to ask too, Well, that must have been. 790 00:41:53.719 --> 00:41:56.199 One hell of a house. Wait a minute, you just 791 00:41:56.360 --> 00:41:58.679 closed on it and you're gonna net one point eight. 792 00:42:00.360 --> 00:42:03.639 Yes, after tax liability. 793 00:42:03.719 --> 00:42:07.800 Yeah everything, Yeah, even after your gain, you're gonna get 794 00:42:07.840 --> 00:42:09.280 one point eight clean. 795 00:42:10.679 --> 00:42:12.800 After my capital gains pay? 796 00:42:12.920 --> 00:42:17.039 Am I two twenty five two fifty and going to 797 00:42:17.119 --> 00:42:20.039 capitol games tax on a net about one point eight. 798 00:42:21.079 --> 00:42:21.760 I got a check. 799 00:42:21.920 --> 00:42:25.800 I got it basically a wire yesterday for two point 800 00:42:25.840 --> 00:42:28.719 one five and out of that I'll have at least 801 00:42:28.800 --> 00:42:31.719 one point eight and it's probably actually closed for one 802 00:42:31.760 --> 00:42:33.079 point nine something like that. 803 00:42:33.360 --> 00:42:37.320 Yes, okay, so uh. 804 00:42:37.559 --> 00:42:40.079 I was wondering if you might have any suggestions as 805 00:42:40.199 --> 00:42:43.639 to a certain sector in the market stock market to follow, 806 00:42:43.840 --> 00:42:44.119 or if. 807 00:42:44.119 --> 00:42:46.119 It might be best just to follow the s and 808 00:42:46.239 --> 00:42:47.559 p uh. 809 00:42:47.719 --> 00:42:51.360 Since I'm hitting the market at a very nice time, 810 00:42:51.599 --> 00:42:56.679 being down, if I could kind of get between now 811 00:42:56.719 --> 00:42:58.559 and the end of the year return of ten percent, 812 00:42:58.679 --> 00:43:03.519 I will have hit a home run. But it is 813 00:43:03.679 --> 00:43:07.119 being very aggressive, okay, given the current economic condition. 814 00:43:07.920 --> 00:43:10.360 No, I get you ray first and foremost, I want 815 00:43:10.360 --> 00:43:14.079 to ask some very stupid questions that you probably are well, 816 00:43:14.320 --> 00:43:16.320 but I just need to ask them. Do you have, 817 00:43:16.760 --> 00:43:19.280 first of all your cash emergency fund? 818 00:43:21.559 --> 00:43:21.800 Yes? 819 00:43:22.320 --> 00:43:25.760 Besides this whatever you want to call this to one 820 00:43:25.840 --> 00:43:28.760 point eight to two point one five? I have an 821 00:43:28.760 --> 00:43:32.400 additional I don't know one point eight in the market 822 00:43:32.480 --> 00:43:32.840 right now? 823 00:43:33.599 --> 00:43:36.079 Okay, okay, yeah, so but do you do have an 824 00:43:36.119 --> 00:43:38.480 emergency and you don't have high interest at right? 825 00:43:40.320 --> 00:43:41.000 I have no doubt. 826 00:43:41.400 --> 00:43:45.679 I have three points I've in real estate totally free. 827 00:43:45.559 --> 00:43:48.280 Including do you do your own ray? Do you when 828 00:43:48.320 --> 00:43:50.000 it when you said in the market? Do you do 829 00:43:50.119 --> 00:43:51.480 your own investing. 830 00:43:53.480 --> 00:43:58.559 Partially? Approximately of one twenty eight maybe one third? Yes? 831 00:43:58.920 --> 00:44:01.679 The rest is handled over to an advisor? 832 00:44:03.599 --> 00:44:06.519 And is it again I hate to harp on this. 833 00:44:07.159 --> 00:44:11.599 Is it an advisor that truly works with your portfolio? 834 00:44:12.280 --> 00:44:14.880 Or is it an advisor who's a middleman for a 835 00:44:15.000 --> 00:44:15.800 big advisor. 836 00:44:17.360 --> 00:44:22.679 No, he's a top not tiye and producere good advisor. 837 00:44:22.840 --> 00:44:26.039 I'm good with for about ten ten years now with 838 00:44:26.159 --> 00:44:26.760 this Genelman. 839 00:44:26.840 --> 00:44:27.199 Excellent. 840 00:44:27.320 --> 00:44:27.599 So he. 841 00:44:29.199 --> 00:44:35.079 Works with you directly, correct, that's excellent. 842 00:44:35.360 --> 00:44:38.840 He answers all the questions and contacts me about you 843 00:44:38.920 --> 00:44:42.599 know it's necessary, but once every six weeks definitely. 844 00:44:43.719 --> 00:44:46.719 Well, Ray, that's what you want, That's exactly what you want. 845 00:44:47.119 --> 00:44:51.599 So why don't you ask him? Because I don't believe Okay, 846 00:44:51.840 --> 00:44:55.400 I do believe in indexed funds SMP because over the 847 00:44:55.480 --> 00:44:57.320 long run SMP has come through every time. 848 00:44:57.800 --> 00:44:59.760 It's never ended a long period. 849 00:45:00.000 --> 00:45:02.880 I mean, it ends negative here and there, but it's 850 00:45:03.519 --> 00:45:07.920 the long trend is positive. But if you already this 851 00:45:08.039 --> 00:45:10.760 is my question, if you already have an advisor, why 852 00:45:10.840 --> 00:45:14.159 would you be asking about that? What would he tell 853 00:45:14.199 --> 00:45:15.239 you or she tell you. 854 00:45:17.960 --> 00:45:21.199 I'm about ready to get into that about the next day. However, 855 00:45:21.320 --> 00:45:24.400 I totally respect your opinion, Tom, and be listening to you. 856 00:45:24.559 --> 00:45:26.719 Okay, here on, here's what I would like. 857 00:45:27.320 --> 00:45:31.159 Okay, what I think is Okay, First of all, we 858 00:45:31.519 --> 00:45:34.880 are what we would do with you, and I'm not 859 00:45:35.000 --> 00:45:37.480 trying to you know, you already have a great advisor. 860 00:45:37.480 --> 00:45:39.639 I'm not trying to weasele it on it. But at 861 00:45:39.719 --> 00:45:41.960 least some of your money. What we would do is 862 00:45:42.079 --> 00:45:47.639 probably a hedge fund, and that's the and you want 863 00:45:47.679 --> 00:45:54.400 a hedge fund that's that thrives in volatile markets because 864 00:45:54.440 --> 00:45:57.400 it's going to be volatile, but you also want one 865 00:45:57.880 --> 00:46:02.039 that doesn't lose in a steady market. Now, most hedge 866 00:46:02.119 --> 00:46:07.559 funds are called hedge funds because they. 867 00:46:09.159 --> 00:46:12.719 Our best when the market is volatile or down. 868 00:46:13.599 --> 00:46:17.719 When the market does really good, hedge funds can do well, 869 00:46:18.239 --> 00:46:19.119 but they don't. 870 00:46:19.039 --> 00:46:24.599 Necessarily outpace the market. However, in my humble opinion, over 871 00:46:24.679 --> 00:46:26.920 the next several months, we're going to have some volatile 872 00:46:27.119 --> 00:46:30.239 stock markets and it would be a great time for 873 00:46:30.320 --> 00:46:33.119 a well placed hedge fund. And again I'm not allowed 874 00:46:33.159 --> 00:46:37.480 to advertise hedge funds, but they are available private hedge funds. 875 00:46:37.920 --> 00:46:41.039 They're called rag D funds. Ask your advisor about it. 876 00:46:41.320 --> 00:46:43.280 If you'd like to know about one I'm familiar with. 877 00:46:43.639 --> 00:46:44.679 Hint, hint, you can. 878 00:46:45.039 --> 00:46:47.360 But seriously, I would, but I wouldn't do a I 879 00:46:47.400 --> 00:46:49.880 wouldn't do the whole thing with it, but I would 880 00:46:49.920 --> 00:46:50.840 do a good part with that. 881 00:46:51.519 --> 00:46:53.400 And then there is always and ray. 882 00:46:54.280 --> 00:46:57.760 I talk against, not against, but I talk for and 883 00:46:57.840 --> 00:47:01.480 against fixed indextinuities. Depending on who you are and what 884 00:47:01.599 --> 00:47:04.599 you have, you sound like you have enough and you're 885 00:47:04.760 --> 00:47:06.840 smart enough that you're going to have some good income. 886 00:47:07.159 --> 00:47:11.320 But there's never ever anything wrong with putting a portion 887 00:47:11.519 --> 00:47:14.519 of a portfolio into a fixed indextinuity. 888 00:47:14.840 --> 00:47:17.519 I did that with mine. I put a certain percentage 889 00:47:17.559 --> 00:47:18.480 into a fixed. 890 00:47:18.239 --> 00:47:21.440 Indextinuity that will give me a whole crapload of money 891 00:47:21.480 --> 00:47:24.480 every month when I want to. And I think I 892 00:47:24.599 --> 00:47:27.000 said it as seventy five, I'm seventy one right now. 893 00:47:28.000 --> 00:47:30.159 Another thing is, like I said, the hedge fund and 894 00:47:30.280 --> 00:47:32.360 then the S and P five hundred. If you actually 895 00:47:32.440 --> 00:47:34.199 do an index fund, there's nothing wrong with it. 896 00:47:34.599 --> 00:47:37.239 Now. If you're going to do it yourself, that's fine. 897 00:47:37.440 --> 00:47:40.320 Just just be really careful and then you might want 898 00:47:40.360 --> 00:47:43.119 to ask your financial advisor about hedge funds. There are 899 00:47:43.199 --> 00:47:45.360 some really good ones out there. There's some really bad 900 00:47:45.440 --> 00:47:48.239 ones out there. Three oh three seven to one three 901 00:47:48.360 --> 00:47:50.599 talks seven one three eight two five five. 902 00:47:55.639 --> 00:47:58.920 Go with a sure thing Denver's Best Roofer Excel Roofing 903 00:47:59.000 --> 00:48:05.519 dot Com a cent until you're content. Time for an 904 00:48:05.519 --> 00:48:09.719 insurance checkup free, no obligation. In comparison, call compass insurance 905 00:48:09.920 --> 00:48:12.920 paying too much your coverage at dozens of insurance companies 906 00:48:13.000 --> 00:48:15.039 find out now three all three seven to seven to 907 00:48:15.079 --> 00:48:17.840 one help. You'll think you're his only customer when you 908 00:48:17.960 --> 00:48:20.360 choose Frank durand the real estate man dot com to 909 00:48:20.480 --> 00:48:23.639 list your home with Remax Alliance three all three nine 910 00:48:23.679 --> 00:48:25.159 two zero sixteen twenty two. 911 00:48:29.079 --> 00:48:33.360 You know, I'm just fascinated watching my door dash driver 912 00:48:34.079 --> 00:48:36.840 drive all over the place. And what was really weird 913 00:48:37.400 --> 00:48:40.599 is he went through the roundabout six times. 914 00:48:42.119 --> 00:48:46.039 Oh my gosh, and your neighbor want there he's he 915 00:48:46.199 --> 00:48:46.519 came in. 916 00:48:47.239 --> 00:48:49.559 No, it's not, it's it's before you get there's a 917 00:48:49.719 --> 00:48:52.719 there's a roundabout up around the not far from here, 918 00:48:53.280 --> 00:48:55.880 and it looked like he went around it, went around 919 00:48:55.920 --> 00:48:58.159 it again, went around it again, and I think I 920 00:48:58.280 --> 00:48:59.400 counted six times. 921 00:49:00.000 --> 00:49:04.400 Now, joy right. We earlier in earlier the show. 922 00:49:04.280 --> 00:49:08.440 We talked about cars and the woman had a problem 923 00:49:08.519 --> 00:49:10.599 at one hundred and fourteen thousand or one hundred and 924 00:49:10.639 --> 00:49:16.480 forty whatever, and Kevin was saying, look, cars, if you 925 00:49:16.519 --> 00:49:18.800 want them to last a long time, Japanese lasts a 926 00:49:18.840 --> 00:49:21.880 long time. German cars right now, you get them new, 927 00:49:22.000 --> 00:49:24.840 you get rid of them after three years because they 928 00:49:24.960 --> 00:49:28.840 have expensive breakdowns and expensive maintenance and they leak oil. 929 00:49:29.519 --> 00:49:33.199 So I was wondering if there was a such thing 930 00:49:33.199 --> 00:49:35.880 as a record holder for miles. 931 00:49:37.039 --> 00:49:43.760 So this is a documented case of irving Gordon. 932 00:49:45.280 --> 00:49:52.719 Now, Irving Gordon has a nineteen sixty six Volvo P 933 00:49:53.119 --> 00:49:54.559 eighteen hundred s. 934 00:49:56.239 --> 00:49:59.599 Which has accumulated dunt. 935 00:50:01.000 --> 00:50:03.039 I'm going to ask John Fuller to take a guess 936 00:50:03.159 --> 00:50:07.119 what it has accumulated since nineteen sixty six and mileage, 937 00:50:07.280 --> 00:50:10.400 and it's verified by car and driver and all those 938 00:50:11.280 --> 00:50:12.840 two point four million miles. 939 00:50:15.239 --> 00:50:16.079 You know what you're not. 940 00:50:16.599 --> 00:50:19.760 I'm surprised that you would say into the millions. Why 941 00:50:19.840 --> 00:50:20.559 did you say that? 942 00:50:21.480 --> 00:50:24.880 It just seems about right. You got fifty years of driving. 943 00:50:27.079 --> 00:50:31.719 Sixty six is fifty years. You're right, that's where knows Now? 944 00:50:32.679 --> 00:50:41.440 Now close to here it is, Irving Ordon. Nineteen sixty 945 00:50:41.519 --> 00:50:49.679 six Volvo accumulated more than three point two million miles. 946 00:50:50.639 --> 00:50:51.519 I was only off back. 947 00:50:51.599 --> 00:50:54.119 Now here's some runner here's some runners up. 948 00:50:55.639 --> 00:51:01.360 A nineteen ninety one Chevy Silverado one million miles, A 949 00:51:01.519 --> 00:51:06.039 nineteen ninety seven ford E two fifty cargo van one 950 00:51:06.159 --> 00:51:11.880 point three million miles, A nineteen ninety one again Chevy 951 00:51:11.960 --> 00:51:15.960 Silverado one point two million miles. 952 00:51:17.320 --> 00:51:20.679 How is that? Would you like to be part of that? Now? 953 00:51:21.599 --> 00:51:26.039 What's the highest miles accumulated on a motorcycle? It was 954 00:51:26.119 --> 00:51:28.000 a nineteen ninety one Harley Davidson. 955 00:51:28.039 --> 00:51:29.559 How many miles do you think, John. 956 00:51:31.199 --> 00:51:35.880 On a Harley, Oh, I don't know. Seven hundred thousands. 957 00:51:35.599 --> 00:51:40.519 To ninety one. Well it's one million, one million, So. 958 00:51:40.679 --> 00:51:46.360 That's pretty incredible that those are actual mileages. So getting 959 00:51:46.440 --> 00:51:51.760 back to investing, I'm getting some texts and people are saying, well, 960 00:51:51.920 --> 00:51:53.800 first of all, let me tell you what I found, 961 00:51:54.159 --> 00:51:57.719 and then I verified it with my financial advisement company. 962 00:51:57.840 --> 00:52:00.559 We found this to be so, and so I looked 963 00:52:00.599 --> 00:52:03.159 into it and I actually found a study that backed 964 00:52:03.199 --> 00:52:05.840 it up by Yahoo Finance. 965 00:52:07.039 --> 00:52:08.039 And the Census Bureau. 966 00:52:10.000 --> 00:52:16.280 Female portfolios investment portfolios routinely return less than male investment portfolios. 967 00:52:17.360 --> 00:52:18.320 The question is why. 968 00:52:19.880 --> 00:52:24.639 I mean, once they sign on with most investment advisors, 969 00:52:25.480 --> 00:52:29.480 most investment advisors don't do. 970 00:52:29.639 --> 00:52:33.280 They just pass your portfolio onto a big advisor. And again, 971 00:52:33.360 --> 00:52:36.960 you're an account number, so it can't be that they 972 00:52:37.119 --> 00:52:39.920 know your female and purposely. 973 00:52:39.880 --> 00:52:46.239 Invest in different things. But no matter what, it absolutely 974 00:52:46.400 --> 00:52:51.920 positively is a known fact that women tend to get 975 00:52:52.079 --> 00:52:57.360 less in investing than men. Now Here have been some 976 00:52:57.519 --> 00:53:00.920 explanations like texted to me, can text me by the 977 00:53:00.960 --> 00:53:07.039 way seven four seven fifty two eighty that comes directly 978 00:53:07.119 --> 00:53:09.119 to me. Now you can go through the iHeart one too. 979 00:53:09.480 --> 00:53:12.360 The short coat is five seven seven thirty nine, but 980 00:53:12.519 --> 00:53:17.159 most of my texts come through seven four seven nine 981 00:53:18.039 --> 00:53:21.599 fifty two eighty. Somebody said, Tom, I think you're right. 982 00:53:22.280 --> 00:53:26.960 It's the way they're answering questionnaires or doing preliminary interviews. 983 00:53:27.519 --> 00:53:30.599 Women tend to give off the vibe that they're conservative 984 00:53:30.639 --> 00:53:32.519 when it comes to investing, or don't want to take 985 00:53:32.519 --> 00:53:36.559 a lot of risk and are very very principle oriented. 986 00:53:37.400 --> 00:53:41.239 Perhaps that's why their portfolios end up making less money. 987 00:53:42.400 --> 00:53:45.079 Somebody else said, just the opposite of that, meaning it 988 00:53:45.239 --> 00:53:47.440 agrees with it, but it's the opposite end. It says 989 00:53:48.000 --> 00:53:52.800 mails are more aggressive, willing to take more risk. It 990 00:53:52.920 --> 00:53:55.880 comes through in their interviews with financial advisors, who then 991 00:53:56.360 --> 00:53:57.880 invest accordingly. 992 00:54:00.000 --> 00:54:02.199 That's what it's got to be. I doubt, as I said, 993 00:54:02.800 --> 00:54:07.000 anyone says, hey, this is a woman, let's make her 994 00:54:07.079 --> 00:54:08.960 less money. It just doesn't happen that way. 995 00:54:09.800 --> 00:54:13.280 Three three seven one three eight two five five One 996 00:54:13.360 --> 00:54:14.719 Clear choice garage doors. 997 00:54:15.599 --> 00:54:17.639 If you have a garage door, you want to know one. 998 00:54:17.719 --> 00:54:20.960 Clear choice doores because they have twenty four to seven service, 999 00:54:21.039 --> 00:54:24.679 broken springs, problems, uh anything, to do with your door. 1000 00:54:24.760 --> 00:54:27.760 They can fix anything, the door or the opener. Here's 1001 00:54:27.800 --> 00:54:31.840 their phone number seven to zero three seven zero thirty 1002 00:54:31.920 --> 00:54:35.800 nine eighty seven. They're simply the best one Clear Choice 1003 00:54:35.880 --> 00:54:37.360 Doors dot com. 1004 00:54:41.079 --> 00:54:44.320 Go with a sure thing Denver's best roofer Excel Roofing 1005 00:54:44.440 --> 00:54:47.079 dot com. You don't pay a cent until you're content. 1006 00:54:50.480 --> 00:54:53.599 Time for an insurance check up free, no obligation. In comparison, 1007 00:54:53.800 --> 00:54:57.320 call Compass Insurance paying too much your coverage at dozens 1008 00:54:57.360 --> 00:54:59.920 of insurance companies find out now three all three seve 1009 00:55:00.079 --> 00:55:02.400 and seven to one help. You'll think you're his only 1010 00:55:02.559 --> 00:55:04.960 customer when you choose Frank durand the real estate Man 1011 00:55:05.039 --> 00:55:08.440 dot com to list your home with Remax Alliance three 1012 00:55:08.519 --> 00:55:10.599 oh three nine two zero sixteen twenty two. 1013 00:55:14.360 --> 00:55:16.719 Hi Tom Martinez here three oh three seven one three 1014 00:55:16.800 --> 00:55:21.440 talks seven one three A two five five John. I 1015 00:55:21.719 --> 00:55:26.360 have a text here that says that they feel like 1016 00:55:26.400 --> 00:55:31.559 they're being screwed around. They got into an accident, it 1017 00:55:31.679 --> 00:55:36.320 was clearly the other guy's fault, but they're both insured 1018 00:55:36.400 --> 00:55:37.559 by the same company. 1019 00:55:37.880 --> 00:55:39.079 He doesn't know where to turn. 1020 00:55:39.599 --> 00:55:42.920 So if they both have the same insurance carrier, what 1021 00:55:43.199 --> 00:55:46.119 usually what finagling usually goes on, Is there any kind of. 1022 00:55:47.039 --> 00:55:50.440 Things to watch out for with that? John Fuller Personal Injuries. 1023 00:55:52.360 --> 00:55:55.599 Well, I mean, you know, the insurance company owes a 1024 00:55:55.639 --> 00:55:58.920 fiduciary duty to both parties, and so technically they should, 1025 00:55:59.320 --> 00:56:02.360 you know, build a Chinese wall or whatever you would 1026 00:56:02.360 --> 00:56:04.159 call it between the two and they should handle it 1027 00:56:04.400 --> 00:56:07.519 just like they would any other two accidents where they 1028 00:56:07.599 --> 00:56:10.039 have one client that got in an accident and the 1029 00:56:10.119 --> 00:56:13.639 other client that cost it. Now, the reality is that's 1030 00:56:13.760 --> 00:56:17.320 not always the easiest to pull off. I mean, we've 1031 00:56:17.400 --> 00:56:20.159 handled many many cases over the years. There are some 1032 00:56:20.480 --> 00:56:23.039 carriers that just abuse the heck out of that, and 1033 00:56:23.119 --> 00:56:26.320 they lie to their insurance about things like medpay and stuff. 1034 00:56:26.679 --> 00:56:30.000 And I've caught one in particular that runs with Progressive 1035 00:56:30.599 --> 00:56:34.400 and you know, just flat lying to their insurance a 1036 00:56:34.519 --> 00:56:37.760 number of times about the proper way to handle things 1037 00:56:37.840 --> 00:56:39.119 like medpay and stuff like that. 1038 00:56:39.360 --> 00:56:41.000 So you do have to be wary. 1039 00:56:41.519 --> 00:56:44.119 You're better off always to have somebody on your side 1040 00:56:44.159 --> 00:56:48.159 that's been down this road many times, and we certainly have. 1041 00:56:50.519 --> 00:56:54.079 Okay, So I always thought if they were both insured, 1042 00:56:54.760 --> 00:56:57.719 maybe I'm thinking that that's too petty. Maybe I was 1043 00:56:57.760 --> 00:56:59.599 thinking they're both ensured, they'll go to the one that 1044 00:56:59.679 --> 00:57:00.719 has a deductible. 1045 00:57:01.079 --> 00:57:04.159 I don't know, I don't know, but you know. 1046 00:57:04.400 --> 00:57:07.280 Meaning you're only talking about property damage when you when 1047 00:57:07.320 --> 00:57:10.159 you think about a deductive and stuff, because they just 1048 00:57:10.239 --> 00:57:12.599 don't come into play for the other side as. 1049 00:57:12.559 --> 00:57:13.960 Far as personal injury goes. 1050 00:57:14.320 --> 00:57:17.000 As far as personal injury goes, you would never use 1051 00:57:17.039 --> 00:57:20.039 your under insured uninsured because the other party is your party. 1052 00:57:21.199 --> 00:57:23.320 Well, you might use your uninsured if it stacks on 1053 00:57:23.440 --> 00:57:25.880 top and your damages are greater than what the other guy. 1054 00:57:25.800 --> 00:57:29.039 Had, So you actually treat it like any other claim. 1055 00:57:29.880 --> 00:57:30.400 Yeah, you do. 1056 00:57:31.280 --> 00:57:33.239 You know, with the asterisk, you're going to keep an 1057 00:57:33.280 --> 00:57:35.079 eye on them and make sure they're doing things right 1058 00:57:35.159 --> 00:57:36.639 and they're not trying to cheat their own right. 1059 00:57:36.719 --> 00:57:36.920 Sure. 1060 00:57:39.119 --> 00:57:39.320 Yeah. 1061 00:57:39.760 --> 00:57:46.519 Somebody said, also, this is another text speaking of medpay. 1062 00:57:46.920 --> 00:57:49.960 They said they have Fred Loyer and they noticed they 1063 00:57:50.039 --> 00:57:52.400 did not have medpay. I was gonna say they called 1064 00:57:52.480 --> 00:57:55.880 the agent. When they called the agent, the agent told 1065 00:57:55.960 --> 00:57:57.320 him it was unavailable to them. 1066 00:57:58.639 --> 00:58:03.639 Well that's really that's sad because the state of Colorado 1067 00:58:03.800 --> 00:58:05.480 mandates that medpay is available. 1068 00:58:05.639 --> 00:58:07.159 It's it's a required coverage. 1069 00:58:07.440 --> 00:58:10.000 And yet I've never seen a Fred lawyer policy where 1070 00:58:10.480 --> 00:58:13.599 the contracts are not printed out with the medpay waived. 1071 00:58:14.039 --> 00:58:17.320 I've never seen a Fred Lawyer contract that has medpay, 1072 00:58:17.880 --> 00:58:18.719 So how can that be? 1073 00:58:19.159 --> 00:58:20.679 I think there's a great question to take. 1074 00:58:20.840 --> 00:58:22.400 Well, they what they do is they get him to 1075 00:58:22.519 --> 00:58:24.880 sign it, and turn they get him to wave it. 1076 00:58:25.440 --> 00:58:25.840 That's right. 1077 00:58:26.000 --> 00:58:29.079 They print the contract out already waved and have them 1078 00:58:29.159 --> 00:58:30.079 sign the contract. 1079 00:58:30.920 --> 00:58:36.079 But it's a found why company, But well they hate it? 1080 00:58:36.239 --> 00:58:39.400 Tell me why a company, John, Tell me why a 1081 00:58:39.519 --> 00:58:43.519 company like Fred Lawyer would have a vested interest in 1082 00:58:43.639 --> 00:58:44.719 not writing medpay? 1083 00:58:44.800 --> 00:58:45.000 Why? 1084 00:58:45.800 --> 00:58:46.079 Okay? 1085 00:58:46.239 --> 00:58:49.840 In a traditional concept or in a traditional context, when 1086 00:58:49.840 --> 00:58:53.119 an insurance company pays for medical bills for for injury 1087 00:58:53.199 --> 00:58:57.159 related treatment, they typically have a right of subrogation, which 1088 00:58:57.239 --> 00:58:59.519 means they had a right to get paid back at 1089 00:58:59.559 --> 00:59:03.480 the conclusion of the case. Medpay is non separgable, which 1090 00:59:03.519 --> 00:59:05.599 is a fancy way of saying they don't ever get 1091 00:59:05.679 --> 00:59:08.840 paid back. So if they're insured is at fault or 1092 00:59:08.920 --> 00:59:11.119 they're insured is not at fault, they're still going to 1093 00:59:11.159 --> 00:59:13.280 have to pay out the amount of the coverage and 1094 00:59:13.400 --> 00:59:16.440 they never get paid back. And that's why the insurance 1095 00:59:16.480 --> 00:59:18.000 companies hate medpay. 1096 00:59:20.400 --> 00:59:22.159 Why do they even have it as a product if 1097 00:59:22.199 --> 00:59:22.719 they hate it. 1098 00:59:23.280 --> 00:59:26.400 Because the state of Colorado said you have to have it. 1099 00:59:26.639 --> 00:59:30.360 It's a required mandatory coverage. It all stems. 1100 00:59:30.440 --> 00:59:32.239 So you're telling me. 1101 00:59:34.079 --> 00:59:37.440 You've never seen a fred loyal policy where people had medpay, 1102 00:59:38.000 --> 00:59:38.639 not one time. 1103 00:59:42.320 --> 00:59:44.960 That's astounding. John means that they are. 1104 00:59:45.239 --> 00:59:45.559 They are. 1105 00:59:47.320 --> 00:59:50.719 They're talking they're insured into not taking it, but they're 1106 00:59:50.760 --> 00:59:53.079 probably saying it like this. Listen, you can save some 1107 00:59:53.199 --> 00:59:55.280 money if you'd knock off medpay. 1108 00:59:55.360 --> 00:59:58.000 You really don't need it. If somebody's at fault, they they. 1109 00:59:58.039 --> 00:59:58.480 Just pay for it. 1110 00:59:59.239 --> 01:00:02.000 That's exactly where so I mean in the state of Colorado, 1111 01:00:02.039 --> 01:00:04.760 the apopol party is always responsible for your medical bills, 1112 01:00:04.800 --> 01:00:06.800 and so we don't need this coverage here. 1113 01:00:06.840 --> 01:00:09.239 It's kind of redundant. And you know you wouldn't want to. 1114 01:00:09.199 --> 01:00:11.519 Pay for coverage that the other guys responsible for, So 1115 01:00:12.000 --> 01:00:13.360 just sign here and we'll take. 1116 01:00:13.199 --> 01:00:13.519 Care of that. 1117 01:00:14.440 --> 01:00:19.599 It's ridiculous. Okay, So that's ridiculous. But how much does 1118 01:00:19.679 --> 01:00:20.480 medpay costs? 1119 01:00:20.559 --> 01:00:20.840 Usually? 1120 01:00:20.960 --> 01:00:23.840 Why don't they just charge more for it if they 1121 01:00:23.920 --> 01:00:27.679 want to medi pay coss, I don't think charge more. 1122 01:00:27.800 --> 01:00:28.800 They want to discourage it. 1123 01:00:29.199 --> 01:00:32.079 Yeah, Medpay costs less than a trip through McDonald's drive 1124 01:00:32.199 --> 01:00:32.960 through for lunch. 1125 01:00:35.239 --> 01:00:37.679 But here's what I'm asking though, If they don't like 1126 01:00:37.800 --> 01:00:41.360 the coverage, couldn't an insurance company make it cost prohibitive. 1127 01:00:42.519 --> 01:00:46.679 Yeah, I guess, I guess, But then they'd only do 1128 01:00:46.800 --> 01:00:48.519 so at the risk of losing all the rest of 1129 01:00:48.599 --> 01:00:51.400 that client's business. And I mean, everything has to be 1130 01:00:51.480 --> 01:00:54.920 priced based on risk and the actuarial tables and stuff. 1131 01:00:54.960 --> 01:00:55.760 But I'm just. 1132 01:00:55.800 --> 01:00:59.920 Saying that conceptually. When when the state of Colorado put 1133 01:01:00.239 --> 01:01:04.320 the you know, the insurance question on the ballot, and 1134 01:01:04.360 --> 01:01:06.159 when they decided to get rid of the no fault 1135 01:01:06.199 --> 01:01:10.039 coverage that we had almost twenty years ago, now you 1136 01:01:10.119 --> 01:01:14.280 know what happened was the hospitals found themselves having to 1137 01:01:14.360 --> 01:01:16.800 treat people, which the federal laws require them to do, 1138 01:01:17.519 --> 01:01:20.079 but they never got paid because, you know, a car 1139 01:01:20.159 --> 01:01:23.400 accident case can take one to three years to get resolved, 1140 01:01:23.440 --> 01:01:26.280 and if the at fault party is technically responsible for 1141 01:01:26.360 --> 01:01:30.000 those bills, the hospitals and the ers were not getting 1142 01:01:30.039 --> 01:01:32.119 paid for one to three years down the road. 1143 01:01:32.719 --> 01:01:33.679 And so these. 1144 01:01:33.559 --> 01:01:37.840 Hospitals started going, especially the municipally owned hospitals, started going 1145 01:01:37.880 --> 01:01:40.880 to their you know, their cities and saying, guys, we're 1146 01:01:40.920 --> 01:01:41.480 going under. 1147 01:01:42.079 --> 01:01:44.840 We can't keep doing this. We're not a charitable organization. 1148 01:01:45.000 --> 01:01:47.920 We can't treat people day in and day out for nothing. 1149 01:01:48.320 --> 01:01:49.280 We have to get paid. 1150 01:01:49.320 --> 01:01:53.159 And the legislature finally said, Okay, here's the solution. We're 1151 01:01:53.199 --> 01:01:56.599 going to reinstate a level of mandatory coverage on the 1152 01:01:56.679 --> 01:01:59.559 auto policies that are that are issued in this state. 1153 01:01:59.599 --> 01:02:02.480 We're going to require this coverage. Okay, it's primarily for 1154 01:02:02.840 --> 01:02:06.159 emergency and ambulance coverage. If you don't use it for that, 1155 01:02:06.360 --> 01:02:08.039 you can use it for anything else. But it was 1156 01:02:08.119 --> 01:02:12.320 a holy self serving, you know law that they put 1157 01:02:12.400 --> 01:02:12.880 in effect. 1158 01:02:14.519 --> 01:02:15.559 Gotcha, gotcha? 1159 01:02:16.079 --> 01:02:18.280 Three h three seven one three talk seven one three 1160 01:02:18.320 --> 01:02:20.559 eight two five five is to meet your on the 1161 01:02:20.599 --> 01:02:21.840 phone with this update. 1162 01:02:21.679 --> 01:02:23.280 Or is he going to be here? So I want 1163 01:02:23.320 --> 01:02:24.079 to be sure you saw it. 1164 01:02:25.480 --> 01:02:28.519 Okay, we'll do that right after this. I just want 1165 01:02:28.599 --> 01:02:32.320 to have them come on and give this update, and 1166 01:02:32.880 --> 01:02:34.679 we have more coming up right after this. I want 1167 01:02:34.719 --> 01:02:37.039 to tell you first about renew Home innovations and the 1168 01:02:37.119 --> 01:02:42.960 most beautiful, beautiful bathrooms. They do shower conversions with pure 1169 01:02:43.800 --> 01:02:48.199 porcelain sheets. They can do the walls, backsplashes, they can 1170 01:02:48.280 --> 01:02:51.440 do countertops, you need to check them out. They do 1171 01:02:51.559 --> 01:02:56.679 these beautiful showers with no maintenance and absolute awe inspiring. 1172 01:02:56.920 --> 01:02:59.239 They do them in two or three days, with several 1173 01:02:59.280 --> 01:03:04.159 different ways to finance and to pay. Renew Home Innovations 1174 01:03:04.199 --> 01:03:07.440 dot Com three oh three nine zero four two thousand. 1175 01:03:07.559 --> 01:03:09.559 It only takes three or four, two or three days 1176 01:03:09.639 --> 01:03:12.079 to do this. Renew home Innovations dot com. 1177 01:03:16.280 --> 01:03:19.559 Go with a sure thing Denver's Best roofer Excel Roofing 1178 01:03:19.639 --> 01:03:22.280 dot com. You don't pay a cent until you're content. 1179 01:03:25.679 --> 01:03:28.840 Time for an insurance check up free, no obligation. In comparison, 1180 01:03:29.000 --> 01:03:32.519 call Compass Insurance paying too much your coverage at dozens 1181 01:03:32.559 --> 01:03:35.280 of insurance companies find out now three all three seven 1182 01:03:35.400 --> 01:03:38.199 seven to one help. You'll think you're his only customer 1183 01:03:38.239 --> 01:03:40.440 when you choose Frank durand the real estate Man dot 1184 01:03:40.519 --> 01:03:43.840 com to list your home with Remax Alliance three oh 1185 01:03:43.880 --> 01:03:45.800 three nine two zero sixteen twenty two. 1186 01:03:50.960 --> 01:03:53.400 Hi Tom Martinez, your troubleshooter three oh three seven one 1187 01:03:53.480 --> 01:03:58.039 three talks seven one three two five five, So we 1188 01:03:58.239 --> 01:04:00.400 have an update on a. 1189 01:04:00.440 --> 01:04:05.840 Problem with Wade. Wade called in in March, and he. 1190 01:04:05.920 --> 01:04:08.840 Said in January twenty twenty one, he bought four new 1191 01:04:08.960 --> 01:04:11.960 Bridgestone run flat tires at Walmart. 1192 01:04:13.280 --> 01:04:15.679 That was the one over at four point forty Wadsworth. 1193 01:04:15.760 --> 01:04:19.039 He said he got a flat in one and because 1194 01:04:19.119 --> 01:04:22.480 it can't be repaired, he needed to buy four new tires. 1195 01:04:23.119 --> 01:04:26.440 They told him they would pay for them, but renegged 1196 01:04:26.480 --> 01:04:29.119 on it. Now, first of all, with run flats, it 1197 01:04:29.239 --> 01:04:31.679 is true if you get a flat in the side 1198 01:04:31.920 --> 01:04:33.719 in certain areas, you can't repair them. 1199 01:04:33.760 --> 01:04:37.159 Most of the time, and if you have to replace it. 1200 01:04:37.639 --> 01:04:39.679 In some of these cars, you have to replace all 1201 01:04:39.760 --> 01:04:43.079 four if the mileage differential is too much and the 1202 01:04:43.159 --> 01:04:46.920 tread wears too much. What happened in this case, Didemitri 1203 01:04:47.079 --> 01:04:48.440 They said they would buy him tires. 1204 01:04:48.519 --> 01:04:49.239 I doubt that. 1205 01:04:50.440 --> 01:04:53.840 Yeah, you're pretty close, Tom. So Unfortunately, the tires that 1206 01:04:54.000 --> 01:04:57.639 he had were discontinued, so Walmart couldn't buy another one 1207 01:04:57.800 --> 01:05:01.559 under the warranty that he had. So the proposal they 1208 01:05:01.639 --> 01:05:04.760 made to him and he ultimately accepted, is he buys 1209 01:05:04.920 --> 01:05:08.639 a new set of tires and then after the tires 1210 01:05:08.719 --> 01:05:11.800 come in and get installed on his car, Walmart will 1211 01:05:11.880 --> 01:05:14.400 credit his credit card for the amount of the purchase. 1212 01:05:14.679 --> 01:05:14.920 Wow. 1213 01:05:15.199 --> 01:05:17.039 Yeah, it was a really nice offer. It's kind of 1214 01:05:17.199 --> 01:05:19.679 you know, a little clumsy or cumbersome, I should say, 1215 01:05:20.239 --> 01:05:24.280 but I guess, you know, that's probably how their computer works. 1216 01:05:24.440 --> 01:05:26.079 Somebody had to pay for the tires in order for 1217 01:05:26.119 --> 01:05:27.480 them to special order the tires. 1218 01:05:28.400 --> 01:05:29.960 So Wade did that. 1219 01:05:30.119 --> 01:05:34.239 They installed the tires, and while he was there, the 1220 01:05:34.360 --> 01:05:39.199 lady who's helping him actually process the refund. So and 1221 01:05:39.320 --> 01:05:43.000 he's got a screenshot or something like that, and everything 1222 01:05:43.159 --> 01:05:46.039 was fine for a few days, but then suddenly the 1223 01:05:46.159 --> 01:05:49.280 charge appeared back on Wade's credit card, and to his 1224 01:05:49.400 --> 01:05:53.039 credit he keeps daily track of his credit card account 1225 01:05:53.159 --> 01:05:56.360 for you know, obviously for things like this. So then 1226 01:05:56.440 --> 01:05:59.800 he called Walmart. They said, we'll process the refund again. 1227 01:06:00.039 --> 01:06:03.800 They never did, so where well, Wade made. 1228 01:06:05.280 --> 01:06:09.360 A claim, made a dispute on his credit card, and 1229 01:06:09.840 --> 01:06:12.280 he got a provisional credit and a letter from there. 1230 01:06:12.320 --> 01:06:14.639 I just got off the phone with Wade, so he's 1231 01:06:14.880 --> 01:06:17.440 on right now with us. He'll call us again on 1232 01:06:17.519 --> 01:06:21.960 the sixth and so he got a letter from the 1233 01:06:22.000 --> 01:06:25.039 credit card company saying that the provisional credit will become 1234 01:06:25.079 --> 01:06:29.920 a permanent credit once Walmart's thirty day window opportunity to 1235 01:06:30.039 --> 01:06:32.119 respond to this dispute passes. 1236 01:06:32.400 --> 01:06:34.199 But what if they do respond and say he owes 1237 01:06:34.239 --> 01:06:34.599 the money. 1238 01:06:34.719 --> 01:06:38.039 Well, it's unlikely they will, Tom, because the letter is 1239 01:06:38.119 --> 01:06:41.199 dated the sixth, so April six is going to be Sunday, 1240 01:06:41.599 --> 01:06:44.960 so they really have just three more days. And Wade 1241 01:06:45.119 --> 01:06:47.239 checked his credit card a couple of minutes before I 1242 01:06:47.360 --> 01:06:50.320 called him this morning, and he said the charge still 1243 01:06:50.360 --> 01:06:53.960 hasn't reappeared. So we're both very hopeful that Walmart will 1244 01:06:54.079 --> 01:06:56.480 just allow this deadline to pass. 1245 01:06:57.280 --> 01:06:59.199 But he'll give us a call after the sixth. 1246 01:07:00.159 --> 01:07:03.679 Sure it was zero, Okay, cool, thank you. Now let's 1247 01:07:03.760 --> 01:07:06.039 talk to Steve. Steve, what's going on with you? 1248 01:07:06.159 --> 01:07:08.880 Steve? Welcome, Well, Tom. 1249 01:07:09.280 --> 01:07:11.599 I just had I wanted to get your opinion. 1250 01:07:12.280 --> 01:07:13.639 Last year on. 1251 01:07:13.719 --> 01:07:18.119 A recommendation, I called Matt some paragon that's I was, Yes, 1252 01:07:18.360 --> 01:07:22.840 problems getting stake, parm excuse me to pay a claim 1253 01:07:23.920 --> 01:07:28.400 and okay, okay Pat. Matt came out and we signed 1254 01:07:28.440 --> 01:07:31.239 the agreement and all that. He said, well, if I 1255 01:07:31.360 --> 01:07:34.719 can't do anything for you, it won't cost you. And 1256 01:07:34.880 --> 01:07:38.360 I said okay, and went through State Farm and they 1257 01:07:38.400 --> 01:07:40.679 came back again and said no, we're not going to 1258 01:07:40.719 --> 01:07:44.559 pay for it. So he recommended that I call in 1259 01:07:44.679 --> 01:07:48.480 contact this attorney which happens to be in Texas, but 1260 01:07:48.559 --> 01:07:50.199 they are licensed here in Colorado. 1261 01:07:51.360 --> 01:07:54.000 Is that Daily Black? Is that Daily Black? 1262 01:07:54.960 --> 01:07:55.599 No, it was. 1263 01:07:57.559 --> 01:07:59.079 I've forgotten the name of it right now. 1264 01:08:00.079 --> 01:08:00.920 I didn't bring the paper. 1265 01:08:01.039 --> 01:08:03.519 Okay, what happened then? What happened now? 1266 01:08:04.079 --> 01:08:08.519 It took almost a year, and then about well three 1267 01:08:08.679 --> 01:08:13.119 four weeks ago, we finally get a resolution. They mediated 1268 01:08:13.159 --> 01:08:15.639 a resolution and it came out to be the same 1269 01:08:15.760 --> 01:08:20.880 price as the original estimate, which was fine. Then I 1270 01:08:20.960 --> 01:08:21.520 get a stat But. 1271 01:08:21.520 --> 01:08:24.399 Wait a minute, Steve, wait, but you turned you turned 1272 01:08:24.439 --> 01:08:27.119 down the original estimate, and you went all through this 1273 01:08:27.239 --> 01:08:29.279 trouble to end up with the original estimate. 1274 01:08:29.920 --> 01:08:32.960 Oh no, no, no, I didn't turn it down. State 1275 01:08:33.079 --> 01:08:37.399 Farm turned me down. They told me, oh it was 1276 01:08:37.439 --> 01:08:39.800 either a manufacent oh he said, or normal wear and 1277 01:08:39.880 --> 01:08:40.640 tear got it. 1278 01:08:40.920 --> 01:08:46.039 Okay, so you so recently recently you did win then 1279 01:08:47.239 --> 01:08:49.840 arbitrary or was it arbitration? 1280 01:08:51.000 --> 01:08:51.439 Mediation? 1281 01:08:52.960 --> 01:08:54.039 And how much did you get? 1282 01:08:55.600 --> 01:08:58.600 About thirty five thousand dollars? Which was fine, don't get 1283 01:08:58.640 --> 01:09:00.800 me wrong here. That part was fine. 1284 01:09:01.560 --> 01:09:02.960 Then I got to say, and how much did the 1285 01:09:03.000 --> 01:09:05.399 attorney hold on? How much did the attorney charge? 1286 01:09:05.520 --> 01:09:08.760 What I'm about to get to you get to The 1287 01:09:08.880 --> 01:09:13.520 attorney charged me forty percent, which I when I first 1288 01:09:13.600 --> 01:09:16.279 spoke to them, their input was, well, we're going to 1289 01:09:16.479 --> 01:09:18.680 do our best to get the insurance company to pay 1290 01:09:18.720 --> 01:09:20.760 the attorney fees. But I did have to sign it 1291 01:09:20.840 --> 01:09:24.680 saying forty percent. So okay, I understand that. 1292 01:09:24.920 --> 01:09:27.479 And on top of that, they charged. 1293 01:09:27.199 --> 01:09:29.439 Me the ten percent the Paragon was going to charge. 1294 01:09:32.039 --> 01:09:33.880 And on top of it, so they charged you, charged 1295 01:09:33.920 --> 01:09:37.560 me all the way they charge you. They charged you fifty. 1296 01:09:38.479 --> 01:09:41.479 Well, it would have gotten nothing if they didn't mediate Tom. 1297 01:09:41.720 --> 01:09:43.640 So isn't this good? 1298 01:09:43.760 --> 01:09:43.800 No? 1299 01:09:43.960 --> 01:09:48.760 I understand. Here's here's my main question. Was it disclosed 1300 01:09:48.760 --> 01:09:50.439 to you how much this was going to cost you? 1301 01:09:50.600 --> 01:09:51.479 That's all that matters. 1302 01:09:52.159 --> 01:09:57.239 Part A was the forty percent was disclosed. But according 1303 01:09:57.319 --> 01:09:59.920 to Matt when we spoke and I signed to the agreement, 1304 01:10:00.000 --> 01:10:03.560 and if he didn't get anything accomplished, I wouldn't have 1305 01:10:03.680 --> 01:10:07.439 to pay him what he did around and charged me 1306 01:10:07.680 --> 01:10:11.079 the other ten percent for Matt. 1307 01:10:12.760 --> 01:10:17.000 That's right, And Matt probably got paid that ten percent. Well, 1308 01:10:17.399 --> 01:10:20.840 because they handled they they're looking at it. Listen, they 1309 01:10:20.960 --> 01:10:23.560 looked at it as one big claim. And what I'd 1310 01:10:23.640 --> 01:10:27.079 have to see is Matt's agreement with you to see 1311 01:10:27.119 --> 01:10:32.600 what it says. It might talk about that ten percent 1312 01:10:32.720 --> 01:10:36.720 if I understand that, But does it say ten percent 1313 01:10:36.840 --> 01:10:38.680 if he hands it off to an attorney or if 1314 01:10:38.680 --> 01:10:40.640 you get an attorney, or if it goes to I mean, 1315 01:10:40.760 --> 01:10:43.319 all of that will be outlined in the contract. If not, 1316 01:10:44.039 --> 01:10:47.800 then he wouldn't do them on tract or send it 1317 01:10:47.880 --> 01:10:50.039 to us and I'll find out. One thing I want 1318 01:10:50.079 --> 01:10:53.039 to tell you, Truly, Matt's a pretty honorable guy. I mean, 1319 01:10:53.079 --> 01:10:55.880 we don't get complaints like this. It's it's a pain 1320 01:10:55.960 --> 01:10:58.039 in the ass when you have to fight for a settlement. 1321 01:10:58.359 --> 01:11:03.840 Now usually Steve, what really bothers me is this could 1322 01:11:03.880 --> 01:11:06.159 have been a bad faith claim and you could have 1323 01:11:06.199 --> 01:11:09.680 gotten treble damages or at least attorney's fees. So I 1324 01:11:09.760 --> 01:11:12.520 don't understand why it was handled this way when they 1325 01:11:12.560 --> 01:11:15.520 could have gone for bad faith because in this state 1326 01:11:15.680 --> 01:11:19.279 it's easy to prove bad faith. I would ask them 1327 01:11:19.319 --> 01:11:22.680 why they didn't do that. I'm Tom Martinez. We have 1328 01:11:22.800 --> 01:11:24.439 more coming up on the Troubleshooter Show. 1329 01:11:27.600 --> 01:11:30.840 Go with a Sure Thing Denver's Best Roofer Excel roofing 1330 01:11:30.960 --> 01:11:33.680 dot com. You don't pay a cent until you're contenth. 1331 01:11:35.199 --> 01:11:40.119 Please time for an insurance checkup free, no obligation. In comparison, 1332 01:11:40.319 --> 01:11:43.840 call Compass Insurance paying too much your coverage at dozens 1333 01:11:43.880 --> 01:11:46.560 of insurance companies find out now three O three seven 1334 01:11:46.600 --> 01:11:48.920 to seven to one help. You'll think you're his only 1335 01:11:49.039 --> 01:11:51.479 customer when you choose Frank durand the real estate Man 1336 01:11:51.560 --> 01:11:54.960 dot com to list your home with Remax Alliance three 1337 01:11:55.199 --> 01:11:57.119 three nine two zero sixteen twenty two. 1338 01:12:03.000 --> 01:12:03.520 Ripped of. 1339 01:12:05.279 --> 01:12:08.239 New need advice, who you don't have? 1340 01:12:10.199 --> 01:12:12.920 You come running just as fast as we can. 1341 01:12:14.199 --> 01:12:16.880 Shooter's gonna help, coming man. 1342 01:12:17.680 --> 01:12:21.880 This is the Troubleshooter Show. No Tom Martino. 1343 01:12:23.399 --> 01:12:25.239 Hey, Hey, hi Tom Martino. 1344 01:12:25.319 --> 01:12:28.399 Here's solving problems, answering questions, taking complaints. This ho're brought 1345 01:12:28.439 --> 01:12:30.720 to you by Dan McKenzie. We talk a lot on 1346 01:12:30.800 --> 01:12:33.800 this show about a state planning. McKenzie Law can do 1347 01:12:33.880 --> 01:12:35.840 that a state planning for you, whether it's a simple 1348 01:12:35.920 --> 01:12:39.279 will or a trust means to avoid probate, to keep 1349 01:12:39.319 --> 01:12:43.079 things private, or if you're facing probate, whatever it is, 1350 01:12:43.840 --> 01:12:48.680 a state related Dan McKenzie can do it, live and local. 1351 01:12:49.439 --> 01:12:50.520 The McKenzie Law. 1352 01:12:50.439 --> 01:12:59.039 Firm eight three three co Plans eight three three co plans. 1353 01:12:59.720 --> 01:13:02.800 Hey John, what's going on in your life? How can 1354 01:13:02.880 --> 01:13:03.279 we help you? 1355 01:13:03.439 --> 01:13:03.680 John? 1356 01:13:06.039 --> 01:13:06.159 Hi? 1357 01:13:06.279 --> 01:13:06.479 Tom. 1358 01:13:06.960 --> 01:13:10.319 I have a peace property that I own the mineral rights, 1359 01:13:11.000 --> 01:13:13.840 and a few years ago they approached me about leasing 1360 01:13:13.920 --> 01:13:17.000 those mineral rights. They were doing some directional drilling, so 1361 01:13:17.159 --> 01:13:18.840 not drilling on my property. 1362 01:13:20.000 --> 01:13:20.960 During the contraest. 1363 01:13:21.359 --> 01:13:25.479 They apparently started production and in twenty twenty two, and 1364 01:13:25.680 --> 01:13:28.840 so I just got my first royalty check. So I've 1365 01:13:28.880 --> 01:13:30.000 got some questions about that. 1366 01:13:31.479 --> 01:13:34.520 Okay, let me explain what's going on. Okay, Hold on 1367 01:13:34.680 --> 01:13:39.479 one second real quick. So you have the royalty rights, 1368 01:13:40.439 --> 01:13:43.239 not a working interest, but the royalty rights on a 1369 01:13:43.319 --> 01:13:44.399 certain tract of land. 1370 01:13:45.920 --> 01:13:49.279 Correct, Okay, what's your question? 1371 01:13:50.760 --> 01:13:54.800 Okay, So I'm brand new at this. So the lease 1372 01:13:55.000 --> 01:13:57.680 was through twenty twenty two, and they hit in twenty 1373 01:13:57.760 --> 01:14:00.439 twenty two, and so I have the send me an 1374 01:14:00.560 --> 01:14:03.399 entire log of everything. They've been doing little bits and 1375 01:14:03.439 --> 01:14:06.000 pieces here and there since then, right, And I finally 1376 01:14:06.079 --> 01:14:09.159 got a check and it seems you know all legit 1377 01:14:09.239 --> 01:14:11.600 and everything. Is there anything I should be worried about 1378 01:14:11.640 --> 01:14:13.960 in this? Or is this basically what I signed up 1379 01:14:14.000 --> 01:14:14.600 from the beginning. 1380 01:14:16.119 --> 01:14:19.479 One thing I'll tell you is when you do a lease. 1381 01:14:19.600 --> 01:14:20.640 I have several. 1382 01:14:21.960 --> 01:14:25.119 I have several thousand of them, Okay, unfortunately, I mean 1383 01:14:25.199 --> 01:14:29.640 I have several thousands of acres. They probably equate to 1384 01:14:29.720 --> 01:14:36.640 about one hundred different oil company royalty contracts. These contracts 1385 01:14:36.720 --> 01:14:41.279 basically say that you have a royalty interest. So whatever 1386 01:14:41.359 --> 01:14:44.640 they do, they keep track of and they dole it 1387 01:14:44.760 --> 01:14:48.760 out to all the royalty owners. The great part about 1388 01:14:48.880 --> 01:14:52.960 royalties is they are strictly controlled by state and federal 1389 01:14:53.000 --> 01:14:58.399 authorities and if anything, they will never cheat you. These 1390 01:14:58.479 --> 01:15:01.359 people do one thing. In fact, they all used the 1391 01:15:01.439 --> 01:15:05.279 same portal. Did you go to that's that portal to 1392 01:15:05.359 --> 01:15:07.239 get your money? No? 1393 01:15:07.319 --> 01:15:08.880 No, No, they sent me a paper check. 1394 01:15:10.680 --> 01:15:12.079 They sent you a paper check. 1395 01:15:12.159 --> 01:15:13.800 What's the name of the first of all, what's the 1396 01:15:14.000 --> 01:15:19.279 who's the working uh contractor what's the drillers as savitas? 1397 01:15:21.319 --> 01:15:21.920 Savitas? 1398 01:15:22.039 --> 01:15:23.560 Right yep? 1399 01:15:25.199 --> 01:15:28.560 Okay. And they did not they did not mention to 1400 01:15:28.600 --> 01:15:33.439 you the the platform to log into. 1401 01:15:34.600 --> 01:15:35.119 No, they did not. 1402 01:15:36.000 --> 01:15:39.000 Nothing has been mentioned about digital anything. 1403 01:15:39.239 --> 01:15:44.920 Okay. And your your contract, your lease goes from when 1404 01:15:45.039 --> 01:15:45.479 to when. 1405 01:15:47.199 --> 01:15:52.439 The original went from I believe like twenty through twenty one, 1406 01:15:52.680 --> 01:15:56.600 and then they have an extension twenty one to twenty two. 1407 01:15:58.600 --> 01:16:01.199 Why Is this such a short lease. I've never heard 1408 01:16:01.239 --> 01:16:01.439 of that. 1409 01:16:02.920 --> 01:16:03.840 Yeah, that's what. 1410 01:16:04.520 --> 01:16:07.399 I tried to go back and I find the original contract, 1411 01:16:07.439 --> 01:16:09.720 and of course I can't find it. All I can 1412 01:16:09.800 --> 01:16:13.199 find is the extended contract. So it's like I could 1413 01:16:13.279 --> 01:16:16.359 be fuzzy on those dates. I know it's been a while. 1414 01:16:16.479 --> 01:16:18.920 So yeah, that's kind of that's really kind of weird. 1415 01:16:19.319 --> 01:16:21.399 So let's talk about it. So you have royalty rights. 1416 01:16:21.600 --> 01:16:22.680 How much was the check for. 1417 01:16:24.239 --> 01:16:25.039 Twenty four thousand? 1418 01:16:26.920 --> 01:16:27.239 Okay? 1419 01:16:27.840 --> 01:16:33.560 So my checks are anywhere from five hundred to thirty 1420 01:16:33.600 --> 01:16:34.439 four hundred dollars. 1421 01:16:35.079 --> 01:16:39.640 What that tells me is what that tells me is 1422 01:16:39.720 --> 01:16:42.680 that you are the only owner of that track. 1423 01:16:43.359 --> 01:16:43.800 Is that right? 1424 01:16:45.079 --> 01:16:47.520 Yes? Yes, okay? 1425 01:16:47.920 --> 01:16:51.560 That those numbers make complete sense because if there were 1426 01:16:51.640 --> 01:16:54.199 twenty four owners, each would get each would get about 1427 01:16:54.199 --> 01:16:57.439 one thousand bucks, and there were forty eight, they'd each 1428 01:16:57.479 --> 01:16:58.520 get about five hundred. 1429 01:16:59.159 --> 01:17:02.520 So you usually my tracks, I. 1430 01:17:02.560 --> 01:17:05.159 Don't own any of them alone. I own them with 1431 01:17:05.359 --> 01:17:06.600 other royalty interests. 1432 01:17:06.920 --> 01:17:09.600 So my checks this again can be anywhere from three 1433 01:17:09.680 --> 01:17:12.520 or four hundred to three or four thousand, but never more. 1434 01:17:12.960 --> 01:17:15.880 The reason yours is so much is you are the owner. 1435 01:17:16.159 --> 01:17:19.159 That's really good. Now, did they say what period of 1436 01:17:19.239 --> 01:17:19.960 time that covered? 1437 01:17:21.439 --> 01:17:24.800 The log they sent me shows everything from twenty twenty 1438 01:17:24.880 --> 01:17:26.359 two clear through twenty twenty. 1439 01:17:26.159 --> 01:17:30.600 Four, So that's for two years usual? 1440 01:17:31.079 --> 01:17:31.279 Yeah? 1441 01:17:31.479 --> 01:17:31.600 Is that? 1442 01:17:32.159 --> 01:17:35.199 Well, twenty two, twenty three, and twenty four, so three 1443 01:17:35.279 --> 01:17:36.880 years is that unusual? 1444 01:17:37.239 --> 01:17:37.439 Yeah? 1445 01:17:37.680 --> 01:17:40.840 That now that doesn't sound as high to me. So 1446 01:17:40.960 --> 01:17:43.399 that's eight thousand, Well, no, that's pretty high, eight thousand 1447 01:17:43.479 --> 01:17:45.600 a year. I think you're right in there. 1448 01:17:45.920 --> 01:17:48.159 You know they will they do have to supply audits 1449 01:17:48.199 --> 01:17:48.359 to you. 1450 01:17:48.520 --> 01:17:49.159 You know that, right? 1451 01:17:49.319 --> 01:17:52.239 Did they give you audits of welling, of drilling activity? 1452 01:17:53.359 --> 01:17:53.560 Yeah? 1453 01:17:53.600 --> 01:17:55.920 I have a stack of papers an inch and a 1454 01:17:55.960 --> 01:17:56.399 half high. 1455 01:17:58.079 --> 01:18:02.079 Okay, I'm going to assume they're doing everything right. Okay, Now, 1456 01:18:02.119 --> 01:18:04.079 when do you get your next check in three years? 1457 01:18:05.079 --> 01:18:08.800 That's exactly what I'm asking you. It's like, I don't know, 1458 01:18:08.880 --> 01:18:09.359 I don't. 1459 01:18:09.199 --> 01:18:12.520 Well, the least the least spells out, bro, the least 1460 01:18:12.560 --> 01:18:13.239 spells out. 1461 01:18:13.159 --> 01:18:15.319 When you get your money. That's all in your lease. 1462 01:18:16.439 --> 01:18:16.720 Okay. 1463 01:18:16.800 --> 01:18:19.319 So since I don't have the original contract, is it 1464 01:18:19.800 --> 01:18:23.000 should I can I contact them and say, hey, I 1465 01:18:23.039 --> 01:18:24.560 don't have a copy this anymore? 1466 01:18:24.920 --> 01:18:25.520 YE give you that? 1467 01:18:25.640 --> 01:18:25.880 Okay? 1468 01:18:26.000 --> 01:18:28.279 Yes you can? Okay, good, good, Yes, you can is 1469 01:18:28.359 --> 01:18:31.800 it out this land? Tell me attorney on hand, No, 1470 01:18:31.960 --> 01:18:32.720 you don't need it for this. 1471 01:18:33.479 --> 01:18:36.279 Just ask for the contract, okay, and then I can 1472 01:18:36.359 --> 01:18:37.640 have one of our people look at it. 1473 01:18:37.840 --> 01:18:40.840 But John, I want to ask you something. Tell me 1474 01:18:40.920 --> 01:18:42.520 about this land. How much land is it? 1475 01:18:43.640 --> 01:18:44.600 It's only two acres? 1476 01:18:46.840 --> 01:18:47.119 Okay? 1477 01:18:47.399 --> 01:18:51.640 And and wow, up on the up and two edge of. 1478 01:18:53.439 --> 01:18:56.279 Broom build two acres. And they were drilling about a 1479 01:18:56.359 --> 01:18:59.119 mile away, and they were doing directional under all these 1480 01:18:59.159 --> 01:18:59.840 little parcels. 1481 01:19:01.560 --> 01:19:04.840 Now, I get it, But you struck gold there. How 1482 01:19:04.920 --> 01:19:06.119 much did you pay for that land? 1483 01:19:08.600 --> 01:19:11.279 About seventeen years ago? About two hundred and eighty thousand. 1484 01:19:13.760 --> 01:19:16.039 Wait a minute, you paid that much? That many? You 1485 01:19:16.159 --> 01:19:17.960 paid two hundred and eighty grand for two and a 1486 01:19:18.000 --> 01:19:20.119 half acres back? How many years ago? 1487 01:19:21.319 --> 01:19:23.479 Seventeen? But I mean it's got house and everything on it. 1488 01:19:24.960 --> 01:19:25.359 It's right. 1489 01:19:25.399 --> 01:19:29.960 Oh, I'm sorry, no, So okay, So do you live there? 1490 01:19:31.119 --> 01:19:31.319 Yes? 1491 01:19:33.439 --> 01:19:35.520 Okay, I'm going to explain a few things to you. 1492 01:19:36.560 --> 01:19:36.840 Okay. 1493 01:19:36.880 --> 01:19:37.119 Great. 1494 01:19:37.640 --> 01:19:41.680 The house and the house and the land are separate 1495 01:19:42.359 --> 01:19:46.520 from the water and the minerals. So with every piece 1496 01:19:46.560 --> 01:19:50.960 of land in Colorado, you have dirt, you have water, 1497 01:19:51.800 --> 01:19:57.960 and you have minerals. So most people, the water is automatic. 1498 01:19:58.520 --> 01:20:01.600 You get the water rights for that that land automatically 1499 01:20:02.159 --> 01:20:07.000 unless otherwise stated. But with mineral rights, did you know, John, 1500 01:20:07.560 --> 01:20:10.800 let's say that's going to produce for another ten years, 1501 01:20:11.520 --> 01:20:13.399 do you know you can sell that for a lump 1502 01:20:13.439 --> 01:20:17.840 sum of money to an investor, that that lease? 1503 01:20:19.199 --> 01:20:20.119 I did have that question. 1504 01:20:20.199 --> 01:20:25.079 Okay, good, good, You can do that. Another thing you 1505 01:20:25.159 --> 01:20:29.000 can do is when you sell your house, retain those rights. 1506 01:20:30.279 --> 01:20:32.119 You don't have to sell them with the house at all. 1507 01:20:33.479 --> 01:20:35.760 In fact, if you sell your house and. 1508 01:20:35.840 --> 01:20:39.199 You let them have those mineral rights, you basically discounted 1509 01:20:39.239 --> 01:20:44.359 your house about ten grand, and there's no reason to 1510 01:20:45.039 --> 01:20:49.039 So what I'm telling you is treat the minerals separately 1511 01:20:49.319 --> 01:20:50.199 from the house. 1512 01:20:50.399 --> 01:20:53.640 Okay, Okay, very good, very good. 1513 01:20:54.000 --> 01:20:58.760 That mineral lease, that mineral lease is an asset, and 1514 01:20:58.920 --> 01:21:02.039 you treat that asset accordingly. The older it is, the 1515 01:21:02.159 --> 01:21:05.720 less it'll be worth, the more it produces, the longer 1516 01:21:05.800 --> 01:21:09.479 the length, the more it's worth. And it also depends 1517 01:21:09.560 --> 01:21:12.359 on what the price of. 1518 01:21:12.640 --> 01:21:15.319 Oil oil gotcha at. 1519 01:21:16.159 --> 01:21:23.039 Each Each tract of land has a nutcracker, okay, And 1520 01:21:23.159 --> 01:21:26.159 that means that on one tract of land, you can't 1521 01:21:26.199 --> 01:21:29.520 even begin to dig unless oil's seventy five dollars a barrel. 1522 01:21:31.039 --> 01:21:34.479 On another tract of land. On another tract of land, 1523 01:21:34.840 --> 01:21:37.800 you can dig. You know, it depends on. 1524 01:21:37.880 --> 01:21:41.680 What your basis is, on what per barrel is your basis. 1525 01:21:41.800 --> 01:21:44.840 So if that land has to have forty five dollars 1526 01:21:44.920 --> 01:21:47.359 a barrel to break even, then you're in the money. 1527 01:21:47.840 --> 01:21:49.479 If that land needs seventy. 1528 01:21:49.159 --> 01:21:52.960 Five dollars per barrel to break even, then they probably 1529 01:21:53.039 --> 01:21:56.159 don't drill. There have been all kinds of levels, with 1530 01:21:56.239 --> 01:22:00.119 all kinds of anticipations of the mineral's market, where some 1531 01:22:00.239 --> 01:22:03.439 people have gotten buried in leases where they're never going 1532 01:22:03.520 --> 01:22:06.840 to get drilled because it's too much per barrel. At 1533 01:22:06.880 --> 01:22:09.439 one time we thought oil was going to one hundred 1534 01:22:09.439 --> 01:22:12.000 dollars a barrel. Then people said it was going down 1535 01:22:12.079 --> 01:22:15.159 to thirty one. Thing is for sure that the price 1536 01:22:15.239 --> 01:22:18.760 of oil will dictate what your lease is worth. So anyway, 1537 01:22:18.760 --> 01:22:20.359 if you have any other questions to stick around, if 1538 01:22:20.399 --> 01:22:22.479 not three oh three seven, one, three eight, two five 1539 01:22:22.640 --> 01:22:29.199 five more coming right up, go. 1540 01:22:29.359 --> 01:22:32.920 With a sure thing Denver's Best roofer excel roofing dot com. 1541 01:22:33.119 --> 01:22:38.720 You don't pay a cent until you're content wait time 1542 01:22:38.800 --> 01:22:41.680 for an insurance check up free, no obligation. In comparison, 1543 01:22:41.840 --> 01:22:45.359 call Compass Insurance paying too much your coverage at dozens 1544 01:22:45.399 --> 01:22:48.119 of insurance companies find out now three oh three, seven 1545 01:22:48.159 --> 01:22:50.479 to seven to one help. You'll think you're his only 1546 01:22:50.600 --> 01:22:53.000 customer when you choose Frank durand the real estate man 1547 01:22:53.119 --> 01:22:56.479 dot com to list your home with Remax Alliance three 1548 01:22:56.560 --> 01:22:58.640 oh three nine two zero sixteen twenty two. 1549 01:23:00.560 --> 01:23:05.880 Hey Tom Martino here seven one three talk seven one 1550 01:23:05.920 --> 01:23:09.920 three eight two five five. So a while ago, Alice 1551 01:23:10.000 --> 01:23:14.199 called and she said her son Armando took a twenty 1552 01:23:14.399 --> 01:23:20.359 twelve gmc Arcadia to Accurate Auto in North Glen two 1553 01:23:20.399 --> 01:23:24.920 and a half years ago. Accurate installed a rebuilt engine 1554 01:23:25.479 --> 01:23:28.319 two and a half years ago. Now the rear main 1555 01:23:28.479 --> 01:23:32.479 seal is leaking, and Accurate says, wait a minute, that's 1556 01:23:32.600 --> 01:23:36.159 not part of the original installation and it's not warranted. 1557 01:23:36.840 --> 01:23:41.319 Then we had many, many little discussions afterwards. Is the 1558 01:23:41.359 --> 01:23:43.880 rear main seal part of an engine rebuild or not? 1559 01:23:44.640 --> 01:23:47.520 Deputy d talked to the shop and the owner said, 1560 01:23:47.840 --> 01:23:51.800 this main seal is not integrated into the engine like others. 1561 01:23:52.479 --> 01:23:55.119 He said it was not part of the original engine. 1562 01:23:55.159 --> 01:23:57.680 Installation. What is new? 1563 01:23:58.479 --> 01:24:02.600 Well, Tom, you may recall that last week Armando had 1564 01:24:02.640 --> 01:24:05.840 his car towed over to Shardan Auto Tech and Kevin 1565 01:24:05.920 --> 01:24:09.680 did a diagnostic service on it and it had it 1566 01:24:09.760 --> 01:24:12.039 had a few problems. He uncovered not just the rear main, 1567 01:24:12.119 --> 01:24:14.079 but there's some kind of a seal blown out in 1568 01:24:14.159 --> 01:24:17.119 the front of the engine. And Kevin also discovered a 1569 01:24:17.159 --> 01:24:21.479 head gasket leak, which sounds like that would explain the 1570 01:24:21.600 --> 01:24:25.600 stop leak that the original shop, the that that did 1571 01:24:25.680 --> 01:24:30.000 the installation, That's Accurate Automotive discovered. They said that they 1572 01:24:30.119 --> 01:24:32.920 saw the stop leak and the radiator. But any case, 1573 01:24:33.319 --> 01:24:35.880 I've been dealing with Armando kind of behind the scenes 1574 01:24:35.960 --> 01:24:38.399 and with Alex at Advanced Automotive, and Alex has been 1575 01:24:38.439 --> 01:24:39.319 really great to deal with. 1576 01:24:39.760 --> 01:24:42.720 He's the owner of that shop. He is really engaged 1577 01:24:42.760 --> 01:24:45.359 in this process. He's very well in FUM and. 1578 01:24:45.399 --> 01:24:47.720 He was a part of the original warranty or not. 1579 01:24:48.000 --> 01:24:50.359 Well, here's here's where I'm going with this. 1580 01:24:51.439 --> 01:24:56.960 So Alex very helpfully told me that the engine was 1581 01:24:57.000 --> 01:25:00.399 actually provided by l KQ and with in the next 1582 01:25:00.439 --> 01:25:02.680 few hours he's going to email me the proof of 1583 01:25:02.800 --> 01:25:08.119 purchase and the warranty claim that Alex had today opened 1584 01:25:08.199 --> 01:25:13.000 with LKQ on Armando's behalf. And the reason that I've 1585 01:25:13.039 --> 01:25:16.399 been following on this is sharedon auto Tech offered to 1586 01:25:16.640 --> 01:25:19.720 do the warranty sight that it's one of the vendors 1587 01:25:19.760 --> 01:25:24.199 whose warranty for whom they do warranty and LKQ is huge, 1588 01:25:24.359 --> 01:25:27.239 so I assume that Shared Autotech will be able to 1589 01:25:27.319 --> 01:25:28.279 do the warranty work. 1590 01:25:28.800 --> 01:25:31.199 So Armando, can you if you're listening, are you on 1591 01:25:31.279 --> 01:25:31.920 the line right now? 1592 01:25:32.159 --> 01:25:33.119 No, I don't think he is. 1593 01:25:33.640 --> 01:25:34.239 Is he yeah? 1594 01:25:34.239 --> 01:25:34.479 He is? 1595 01:25:35.479 --> 01:25:37.439 Can we bring him up, Armando? There he is? 1596 01:25:38.319 --> 01:25:39.359 Yes, this is me. 1597 01:25:41.359 --> 01:25:45.479 Okay, Armando, So listen. Here's here's what the just to 1598 01:25:45.560 --> 01:25:50.079 put it, just to kind of summarize. So Alex from 1599 01:25:50.760 --> 01:25:54.760 Advanced from Accurate Automotive is going to email me the 1600 01:25:54.840 --> 01:25:57.560 proof of purchase for this engine, which apparently is still 1601 01:25:57.640 --> 01:26:02.399 under the three year warranty and a claim number that 1602 01:26:02.600 --> 01:26:06.159 he just a few minutes ago opened with LKQ, and 1603 01:26:06.399 --> 01:26:08.199 I'll forward that to you as soon as I get it. 1604 01:26:08.760 --> 01:26:12.439 And the idea is for you, once you get those documents, 1605 01:26:12.800 --> 01:26:15.520 get together with Kevin I Shared an Auto Tech and 1606 01:26:15.640 --> 01:26:17.680 see if he can provide you with a warranty work 1607 01:26:17.720 --> 01:26:20.079 on this engine. I have a feeling he'll be able 1608 01:26:20.119 --> 01:26:22.520 to because LKAQ is just a huge dealer of these 1609 01:26:22.560 --> 01:26:26.960 remanufactured engines and I just pulled up their warranty on 1610 01:26:27.479 --> 01:26:30.119 their remanned engines and it's a pretty good warranty. 1611 01:26:30.520 --> 01:26:32.560 It's three years unlimited. 1612 01:26:32.119 --> 01:26:36.319 Mileage and it says that the warranty can be done 1613 01:26:36.640 --> 01:26:41.159 at any and I'm quoting licensed automotive repair facility. So 1614 01:26:41.239 --> 01:26:44.000 I shared an auto tech works with LKLQ. They may 1615 01:26:44.079 --> 01:26:47.000 be able to handle this warranty claim for you. So 1616 01:26:47.279 --> 01:26:51.239 are you okay with getting together with them and starting 1617 01:26:51.319 --> 01:26:52.399 the warranty claim process? 1618 01:26:53.920 --> 01:26:56.800 So yes, I've been in communication with Kevin and his 1619 01:26:56.920 --> 01:26:59.520 team there at the at the automotive shop. 1620 01:26:59.560 --> 01:27:00.840 And then we're with Isaiah. 1621 01:27:01.439 --> 01:27:03.479 He's the one that's been the lead on my vehicle, 1622 01:27:03.640 --> 01:27:06.239 and he said that he reached out to you. 1623 01:27:07.319 --> 01:27:07.520 Yep. 1624 01:27:07.640 --> 01:27:10.319 He said that he reached out to LKQ last Friday 1625 01:27:10.439 --> 01:27:12.479 to see if they had any records on their books 1626 01:27:12.720 --> 01:27:15.439 in regards to that purchase around that time, because Alex 1627 01:27:15.600 --> 01:27:18.239 was not trying to release anything to me or Dmitri 1628 01:27:18.439 --> 01:27:22.319 or anybody else in regards to where the engine was purchased. 1629 01:27:22.520 --> 01:27:23.399 We didn't know if it was. 1630 01:27:23.439 --> 01:27:27.880 Purchased from ALKQ Jasper, if it was from a Junkyard right, 1631 01:27:28.399 --> 01:27:31.399 any of that information. The only thing that he was 1632 01:27:31.479 --> 01:27:35.439 given us was that we were under warranty from his shop, 1633 01:27:35.800 --> 01:27:38.920 which was the three year, thirty six thousand mile warranty. 1634 01:27:39.600 --> 01:27:42.439 But that's not what I was originally given. Whenever I 1635 01:27:42.600 --> 01:27:46.479 purchased the vehicle engine for the replacement, they said that 1636 01:27:46.560 --> 01:27:48.880 it was a remanufactured engine and that it would be 1637 01:27:49.000 --> 01:27:53.119 three year unlimited. But I didn't know where that three 1638 01:27:53.239 --> 01:27:56.079 year unlimited was coming from, if it was a business. 1639 01:27:56.000 --> 01:27:59.479 Or Yeah, Alex is Yeah, Alex has been very very 1640 01:27:59.560 --> 01:28:01.760 helpful to He's been a great guy to work with today. 1641 01:28:02.479 --> 01:28:06.560 And he's going to email me this afternoon the proof 1642 01:28:06.600 --> 01:28:10.680 of purchase from LKQ and the warranty claim number so 1643 01:28:10.840 --> 01:28:13.479 that you and Shared Nototech can can follow up on this. 1644 01:28:14.520 --> 01:28:17.319 So I'll email all that over to you as soon 1645 01:28:17.359 --> 01:28:19.079 as I get it. So when you get off the phone, 1646 01:28:19.079 --> 01:28:21.600 can you please make sure to text me your email address. 1647 01:28:23.640 --> 01:28:26.079 Yes, My text and Armando with the current phone number 1648 01:28:26.600 --> 01:28:27.359 are to Dimitri. 1649 01:28:28.359 --> 01:28:30.680 No no, no, no, Susanne. Would you help him get 1650 01:28:31.000 --> 01:28:32.239 We need to get his email. 1651 01:28:32.479 --> 01:28:34.439 That's yeah, that's it. Susanna is going to get your 1652 01:28:34.439 --> 01:28:36.640 email address. Yeah, well, just as soon as we're done 1653 01:28:36.680 --> 01:28:39.239 with this phone call. So, Amanda, I think you're on 1654 01:28:39.319 --> 01:28:41.000 the road to you know, I think you're on the 1655 01:28:41.039 --> 01:28:43.319 good road here. You just need to make sure that 1656 01:28:43.560 --> 01:28:46.520 you and Kevin are or you and Isaiah are on 1657 01:28:46.600 --> 01:28:50.199 the same page regarding who pays for what, because you 1658 01:28:50.319 --> 01:28:53.840 are going to have some sort of a fee. The 1659 01:28:54.159 --> 01:28:57.800 LKQ covers up to fifty dollars per hour of labor, 1660 01:28:58.840 --> 01:29:01.760 and I'm pretty sure nobody charges only fifty bucks, So 1661 01:29:02.159 --> 01:29:04.159 you are going to have some component to pay for 1662 01:29:04.800 --> 01:29:07.359 and just make sure you and Isaiah know exactly who's 1663 01:29:07.399 --> 01:29:09.720 going to pay for how much, so that neither one 1664 01:29:09.800 --> 01:29:11.720 of you has an ugly surprise at the end of 1665 01:29:11.800 --> 01:29:12.239 the repair. 1666 01:29:12.880 --> 01:29:14.560 Does that make sense? So you're okay with that plan? 1667 01:29:15.760 --> 01:29:16.680 Yeah, most definitely. 1668 01:29:18.399 --> 01:29:18.680 Cool. 1669 01:29:18.960 --> 01:29:21.000 Well, awesome, and I'll stay in touch with both you 1670 01:29:21.119 --> 01:29:23.760 and Isaiah and we'll keep following up on this matter 1671 01:29:23.920 --> 01:29:25.079 until your car's back. 1672 01:29:24.960 --> 01:29:25.359 On the road. 1673 01:29:25.840 --> 01:29:30.880 By the way, Trump derangement syndrome has gotten into the 1674 01:29:31.000 --> 01:29:36.880 marital arrangement. There are a number of divorces recently that 1675 01:29:37.039 --> 01:29:41.239 have been attributed to political differences. Most states have no 1676 01:29:41.359 --> 01:29:43.680 fault divorces, but they still put down a reason. 1677 01:29:45.479 --> 01:29:48.600 Listen to this. This is what one lady wrote. My 1678 01:29:48.800 --> 01:29:49.760 husband was one of the. 1679 01:29:49.840 --> 01:29:52.199 Nicest guys on the planet when I married him twenty 1680 01:29:52.279 --> 01:29:55.720 five years ago. I saw him get brainwashed with all 1681 01:29:55.800 --> 01:29:59.840 of this magabs through the years, and it's changed him 1682 01:29:59.840 --> 01:30:03.159 for the worst. He makes the worst, vile comments about 1683 01:30:03.239 --> 01:30:07.920 people and won't listen to anything. It doesn't matter if 1684 01:30:08.000 --> 01:30:10.840 you drove him. Something is disinformation. 1685 01:30:11.159 --> 01:30:11.439 What's that? 1686 01:30:12.800 --> 01:30:14.439 Did Susanne write that he. 1687 01:30:16.640 --> 01:30:20.359 Has always he always has an excuse. Honestly, I've lost 1688 01:30:20.359 --> 01:30:21.199 all respect for him. 1689 01:30:21.640 --> 01:30:24.520 We've instilled the no politics rule, but he often breaks 1690 01:30:24.600 --> 01:30:26.239 it and we end up arguing. 1691 01:30:26.800 --> 01:30:27.760 I'm wondering. 1692 01:30:29.000 --> 01:30:33.119 If it will silently sink in when inflation keeps rising, 1693 01:30:33.479 --> 01:30:36.600 our taxes go up and we lose our social security. 1694 01:30:37.880 --> 01:30:41.279 One other person wrote, I got married to a Trump lover. 1695 01:30:42.880 --> 01:30:45.640 Knew it at the time, but figured it would work out. 1696 01:30:46.039 --> 01:30:46.520 It didn't. 1697 01:30:47.840 --> 01:30:51.800 Her morals were the same as Trump's and she lacked integrity. 1698 01:30:52.399 --> 01:30:55.840 We're getting divorced. Wow. Listen to this one. 1699 01:30:57.399 --> 01:31:02.119 My ex boyfriend and I had a relationship since September 1700 01:31:02.199 --> 01:31:05.600 twenty twenty four. But then I was okay with the 1701 01:31:05.680 --> 01:31:08.960 different political views and his reasons to vote for Trump. 1702 01:31:09.880 --> 01:31:12.439 When he asked why I would never vote for Trump, 1703 01:31:12.640 --> 01:31:15.560 I said, to start with, I am a woman. He 1704 01:31:15.720 --> 01:31:20.039 then started to change and became distant. He tried to 1705 01:31:20.520 --> 01:31:24.439 sell me some conspiracy theories, and one day he said 1706 01:31:24.520 --> 01:31:26.279 he wanted to start going to church. 1707 01:31:26.800 --> 01:31:31.079 That was it for me. Anyway. 1708 01:31:32.479 --> 01:31:36.439 I'm telling you, if politics has gotten into everything, I'm 1709 01:31:36.520 --> 01:31:39.640 Tom Martine three oh three seven one three talks seven 1710 01:31:39.680 --> 01:31:47.359 one three A two five five go with a sure 1711 01:31:47.479 --> 01:31:50.880 thing Denver's best rufer excel roofing dot com. You don't 1712 01:31:50.920 --> 01:31:56.920 pay a cent until you're content. Time for an insurance 1713 01:31:57.039 --> 01:32:00.720 check up free, no obligation. In comparison, call company insurance 1714 01:32:00.920 --> 01:32:03.880 paying too much your coverage at dozens of insurance companies 1715 01:32:04.000 --> 01:32:06.560 find out now three oh three seven seven one help. 1716 01:32:06.760 --> 01:32:09.399 You'll think you're his only customer when you choose Frank 1717 01:32:09.479 --> 01:32:11.880 durand the real estate Man dot com to list your 1718 01:32:11.960 --> 01:32:15.039 home with Remax Alliance three oh three nine two zero 1719 01:32:15.199 --> 01:32:23.720 sixteen twenty two. Hey Tom Martina here three three seven 1720 01:32:23.760 --> 01:32:25.880 on three talk seven on three h two five five. 1721 01:32:26.840 --> 01:32:28.800 John Fuller's with us by the way, when he's not here. 1722 01:32:28.840 --> 01:32:31.279 If you need help with any personal injury claim or information, 1723 01:32:31.960 --> 01:32:34.680 it's three oh three five nine seven forty five hundred 1724 01:32:35.560 --> 01:32:37.159 five nine seven forty five hundred. 1725 01:32:37.199 --> 01:32:39.720 Hey, Ray, what's on your mind today? 1726 01:32:39.800 --> 01:32:39.960 Ray? 1727 01:32:42.479 --> 01:32:42.600 Uh? 1728 01:32:43.039 --> 01:32:44.319 Actually it's r Z. 1729 01:32:44.720 --> 01:32:47.800 Ray is my is my cousin. 1730 01:32:48.600 --> 01:32:48.720 Uh. 1731 01:32:49.279 --> 01:32:50.880 I'm okay, find. 1732 01:32:50.720 --> 01:32:51.880 Up a probate. 1733 01:32:52.680 --> 01:32:55.760 My first name is Rzy Miss Martin r z. 1734 01:32:56.199 --> 01:32:57.199 Ar rz E. 1735 01:32:57.439 --> 01:33:02.000 My last name is Hammock h am mc k. I'm 1736 01:33:02.079 --> 01:33:06.880 trying to find a good probate attorney because I'm going 1737 01:33:07.000 --> 01:33:08.479 through some changes with a. 1738 01:33:10.000 --> 01:33:10.560 State that. 1739 01:33:12.920 --> 01:33:15.520 I'm supposed to be the. 1740 01:33:15.600 --> 01:33:19.039 Person personal representative. 1741 01:33:19.600 --> 01:33:23.720 I spent more than eighty thousand dollars in stuff and 1742 01:33:23.840 --> 01:33:25.319 I'm getting the running around. 1743 01:33:26.800 --> 01:33:29.840 Okay, Rzi, let me ask you a few questions. The 1744 01:33:30.119 --> 01:33:34.640 estate that you're the the estate where you're a personal representative, 1745 01:33:34.960 --> 01:33:36.840 is that located in Colorado? 1746 01:33:38.399 --> 01:33:40.439 It sure is right here in Denver. 1747 01:33:42.680 --> 01:33:46.039 Okay. Now, was this a relative? 1748 01:33:47.880 --> 01:33:50.720 She's my oldest sister as well. 1749 01:33:52.479 --> 01:33:55.560 The other end is my mom. Both of them passed 1750 01:33:55.600 --> 01:33:56.119 away here. 1751 01:33:57.960 --> 01:33:59.680 But you're the personal representative. 1752 01:34:01.279 --> 01:34:06.880 Yeah, Okay, Now, when you said you spent eighty thousand, 1753 01:34:06.960 --> 01:34:07.960 what did you spend that on. 1754 01:34:12.359 --> 01:34:16.079 I've spent it on attorney fees. I've actually spent more 1755 01:34:16.199 --> 01:34:16.479 than that. 1756 01:34:17.800 --> 01:34:20.439 And but why have you spent I don't get how 1757 01:34:21.159 --> 01:34:23.840 much is this? How much is the estate worth? 1758 01:34:25.960 --> 01:34:26.520 I don't know. 1759 01:34:28.279 --> 01:34:32.680 Approximately. You must know something. Did she have cash or 1760 01:34:32.800 --> 01:34:35.000 was it he or she with? Did they have cash? 1761 01:34:35.600 --> 01:34:36.199 Real estate? 1762 01:34:36.479 --> 01:34:36.880 Cars? 1763 01:34:37.319 --> 01:34:39.520 You must know what it was worth. If you take 1764 01:34:39.560 --> 01:34:41.640 all the assets and subtract. 1765 01:34:41.239 --> 01:34:44.840 All the loans, what would it amount to all the 1766 01:34:44.960 --> 01:34:46.359 debt is. 1767 01:34:46.600 --> 01:34:52.600 Property and money. My mom is property and money. 1768 01:34:54.079 --> 01:35:01.319 But there are two separate estates, right, I'm sorry, two separate. 1769 01:35:01.079 --> 01:35:03.279 Estates, one for your mother and one for your sister. 1770 01:35:04.760 --> 01:35:09.680 Yes, sir, okay, Now what I want to know is 1771 01:35:10.079 --> 01:35:12.479 why did you spend so much in attorney's fees. 1772 01:35:15.680 --> 01:35:18.439 Well, I've been getting to run around to get something 1773 01:35:18.600 --> 01:35:19.920 done and taken care of. 1774 01:35:23.000 --> 01:35:25.239 Yeah, but tell me what you spent the money on 1775 01:35:25.960 --> 01:35:29.119 when you were when you if you eighty thousand dollars, 1776 01:35:29.520 --> 01:35:32.560 eighty thousand dollars is way too much to spend on this. 1777 01:35:33.279 --> 01:35:34.079 What was it for? 1778 01:35:36.880 --> 01:35:37.239 We don't know. 1779 01:35:37.600 --> 01:35:38.520 We don't know. 1780 01:35:42.239 --> 01:35:45.880 Are these estates worth five to ten million? 1781 01:35:49.640 --> 01:35:50.880 Five or four? 1782 01:35:54.479 --> 01:36:01.520 They're both worth about four million combined. Yeah, Okay, what's 1783 01:36:01.560 --> 01:36:03.279 the name of the state attorney you dealt with. 1784 01:36:04.000 --> 01:36:07.039 I'm looking for an honest attorney. 1785 01:36:08.560 --> 01:36:11.079 I got too honest attorney. I got more than two. 1786 01:36:11.319 --> 01:36:14.960 But listen, here's where you want to go. Keel and Park, 1787 01:36:17.520 --> 01:36:18.279 kill and Park. 1788 01:36:18.439 --> 01:36:22.560 That's who you want. Keel and Park. 1789 01:36:24.319 --> 01:36:26.359 Yeah, just like the keel of a boat, put a 1790 01:36:26.439 --> 01:36:30.560 knee on the end, and park, just like a city park. 1791 01:36:33.000 --> 01:36:38.560 That's right, kayas and Kill. Okay, that's keel and Park. 1792 01:36:38.640 --> 01:36:39.840 Here's their phone number. 1793 01:36:41.079 --> 01:36:48.359 Nine to seven zero eight one eight okay, eight one 1794 01:36:48.560 --> 01:36:49.119 nine eight. 1795 01:36:52.720 --> 01:36:53.039 Okay. 1796 01:36:54.880 --> 01:36:57.439 They'll do all your consultation free and then come up 1797 01:36:57.479 --> 01:37:00.880 with a price I think you need. First, well, I 1798 01:37:00.960 --> 01:37:04.359 think you you way overpaid legal fees right now, way overpaid. 1799 01:37:04.640 --> 01:37:08.039 Somebody is robbing that estate blind. And that's what that's 1800 01:37:08.119 --> 01:37:13.039 what I hate about. Well, this attorney, how did you 1801 01:37:13.159 --> 01:37:15.680 come to hire the attorney that charged you eighty grand? 1802 01:37:16.039 --> 01:37:16.760 How'd that happen? 1803 01:37:17.119 --> 01:37:17.279 Well? 1804 01:37:17.359 --> 01:37:24.560 Walter, Walter Garrash used to be my mother's attorney. Okay, uh, 1805 01:37:26.119 --> 01:37:29.000 and he mister is deceased. 1806 01:37:30.720 --> 01:37:32.279 Okay, wife worked for. 1807 01:37:33.279 --> 01:37:35.479 My wife worked for a firm. 1808 01:37:36.560 --> 01:37:39.920 And when this got to going and stuff, all kinds 1809 01:37:39.920 --> 01:37:43.119 of stuff started to go on, and they just there 1810 01:37:43.239 --> 01:37:48.399 was still in involved and wanted to put somebody else 1811 01:37:48.560 --> 01:37:49.079 in mind. 1812 01:37:49.319 --> 01:37:52.199 Well, hold on, well you still haven't answered me. You 1813 01:37:52.319 --> 01:37:56.960 haven't answered me. Man, what okay, person, what law firm 1814 01:37:57.159 --> 01:37:57.279 was it? 1815 01:38:01.720 --> 01:38:04.880 Tell me what it is? Will law firm? 1816 01:38:06.279 --> 01:38:11.399 And Ferguson William okay and Ferguson. 1817 01:38:12.640 --> 01:38:15.720 Well, you need to get this a state reviewed. And 1818 01:38:15.840 --> 01:38:17.680 I think your idea was good to go to an 1819 01:38:17.720 --> 01:38:20.520 honest attorney. Kiel and Park are who you want. 1820 01:38:22.000 --> 01:38:26.079 Okay, okay, and really they're gonna be good. 1821 01:38:26.119 --> 01:38:26.760 You're gonna love it. 1822 01:38:27.159 --> 01:38:29.359 Call them and tell them the problem that you have 1823 01:38:29.479 --> 01:38:32.319 two estates you're trying to settle and you have no 1824 01:38:32.560 --> 01:38:35.520 idea where you are. You see, this is the problem 1825 01:38:35.840 --> 01:38:41.239 with a state planning. These lawyers see that people are 1826 01:38:41.319 --> 01:38:44.800 inheriting in a state, and they think how much can 1827 01:38:44.840 --> 01:38:48.279 we get first? That's how most of them work. How 1828 01:38:48.359 --> 01:38:52.079 much can we get for ourselves? Not how much can 1829 01:38:52.119 --> 01:38:55.439 we keep the cost down? So RZI, trust me when 1830 01:38:55.439 --> 01:38:57.960 I tell you kil and Park they're a cut above. 1831 01:38:58.000 --> 01:39:01.279 They're totally different. You'll love them. Three o three seven 1832 01:39:01.359 --> 01:39:04.479 one three talks seven to one three No problem, man, 1833 01:39:04.720 --> 01:39:07.039 three oh three seven one three A two five five 1834 01:39:07.520 --> 01:39:08.640 CMG Financial. 1835 01:39:08.720 --> 01:39:11.399 If you're looking for a reverse loan, that's right. 1836 01:39:11.479 --> 01:39:15.159 They're doing financials and they're doing excuse me, they're doing 1837 01:39:15.239 --> 01:39:18.760 reverse loans and they do them quickly and efficiently. Talk 1838 01:39:18.840 --> 01:39:23.359 to John at CMG John Clace three oh three eight 1839 01:39:23.479 --> 01:39:25.720 A two six sixty seven nine. 1840 01:39:31.720 --> 01:39:34.960 Go with a sure thing Denver's best roofer Excel Roofing 1841 01:39:35.079 --> 01:39:35.520 dot com. 1842 01:39:35.680 --> 01:39:37.720 You don't pay a cent until you're content. 1843 01:39:41.079 --> 01:39:44.239 Time for an insurance check up free no obligation comparison 1844 01:39:44.399 --> 01:39:47.960 call Compass Insurance paying too much your coverage at dozens 1845 01:39:48.000 --> 01:39:50.720 of insurance companies find out now three oh three seven 1846 01:39:50.720 --> 01:39:53.039 to seven to one help. You'll think you're his only 1847 01:39:53.159 --> 01:39:55.600 customer when you choose Frank durand the real estate Man 1848 01:39:55.680 --> 01:39:59.079 dot com to list your home with Remax Alliance three 1849 01:39:59.159 --> 01:40:05.800 oh three nine two they're all sixteen twenty two. Hi 1850 01:40:05.960 --> 01:40:11.399 Tom Martino, you're a troubleshooter three oh three seven one 1851 01:40:11.520 --> 01:40:14.840 three talk three oh three seven one three eight two 1852 01:40:14.960 --> 01:40:15.479 five five. 1853 01:40:17.319 --> 01:40:20.800 I cannot say enough about probate. It is one of 1854 01:40:20.880 --> 01:40:27.000 the topics that makes my blood boil. Public trustees they're 1855 01:40:27.039 --> 01:40:33.760 called or public administrators, should be called rapers and pillagers. 1856 01:40:36.600 --> 01:40:38.000 They go into an estate. 1857 01:40:39.520 --> 01:40:44.439 And they do not, in my opinion, exercise the fiduciary responsibility. 1858 01:40:46.239 --> 01:40:48.920 A fiduciary responsibility is a high standard. 1859 01:40:50.680 --> 01:40:54.720 It says that you will execute the duties for the 1860 01:40:54.800 --> 01:40:56.680 best interest of your client. 1861 01:40:58.800 --> 01:41:02.680 What they do is they come into an estate and 1862 01:41:02.880 --> 01:41:09.159 start charging outrageous fees, commissions, all kinds of stuff. They 1863 01:41:09.279 --> 01:41:12.720 use subcontractors they know, and by the time they're done, 1864 01:41:13.399 --> 01:41:18.239 there's very little to distribute. Don't ever get into a 1865 01:41:18.319 --> 01:41:22.399 fight or an argument with your family to where the 1866 01:41:22.560 --> 01:41:28.880 judge appoints a public trustee or a public administrator. We've 1867 01:41:28.960 --> 01:41:33.840 had cases where brothers and sisters couldn't get along and 1868 01:41:34.000 --> 01:41:37.760 as a result, a public trustee came in. Now the 1869 01:41:37.880 --> 01:41:40.000 brothers and sisters who didn't get along. 1870 01:41:40.279 --> 01:41:44.279 Would have gotten about eighty grand each about eighty grand each, 1871 01:41:45.760 --> 01:41:49.560 but they couldn't agree to it. They got a public 1872 01:41:49.600 --> 01:41:55.159 administrator involved, thinking it would be some just arbitration. The 1873 01:41:55.199 --> 01:41:58.119 public administrator takes over, you have no control over the 1874 01:41:58.279 --> 01:42:02.039 estate any longer, and instead of getting eighty thousand, they 1875 01:42:02.079 --> 01:42:07.039 got fifty. So the question is where did thirty sixty 1876 01:42:07.720 --> 01:42:12.520 ninety one hundred and twenty thousand dollars ago to the administrator. 1877 01:42:13.800 --> 01:42:16.720 What did they do for it? Very little. It is 1878 01:42:16.840 --> 01:42:18.359 one of the areas of law where. 1879 01:42:18.239 --> 01:42:23.760 There is total abuse in chaos, total abuse and chaos. 1880 01:42:24.560 --> 01:42:26.840 So instead of telling you how to deal with them, 1881 01:42:27.439 --> 01:42:31.960 I tell you don't deal with them ever, don't ever 1882 01:42:32.079 --> 01:42:37.079 deal with them. You will lose every single time. John Fuller, 1883 01:42:38.800 --> 01:42:41.720 our personal injury expert and co host from time to time, 1884 01:42:42.680 --> 01:42:43.600 I have a text here. 1885 01:42:43.960 --> 01:42:46.960 I got to find it. They want to know that. 1886 01:42:47.960 --> 01:42:51.159 Have you ever even though they didn't, you don't handle 1887 01:42:51.239 --> 01:42:54.439 property damage? Did people ever have enough money left over 1888 01:42:54.840 --> 01:42:56.600 to fix their car or buy another one? 1889 01:42:58.640 --> 01:42:58.840 Yeah? 1890 01:43:00.119 --> 01:43:05.520 Yeah, absolutely, But I mean, listen, the standard is not 1891 01:43:05.680 --> 01:43:09.239 that you're able to go out and buy your next vehicle. 1892 01:43:09.479 --> 01:43:12.880 The standard is where you compensated with the fair market 1893 01:43:13.000 --> 01:43:15.720 value of the one that you had. And so nobody 1894 01:43:15.840 --> 01:43:19.560 goes out and tries to find the late model vehicle 1895 01:43:19.680 --> 01:43:21.840 with the same number of miles as the one they 1896 01:43:21.920 --> 01:43:25.520 got totaled. They want the newer model, the one with 1897 01:43:25.640 --> 01:43:28.960 less miles, the couple years younger. That kind of stuff, 1898 01:43:29.039 --> 01:43:32.159 and no right put enough money in your pocket to 1899 01:43:32.279 --> 01:43:33.239 do that transaction. 1900 01:43:35.680 --> 01:43:41.720 Okay, that's good to know, So really, you know that 1901 01:43:41.840 --> 01:43:48.079 says it all so when you have an accident, this 1902 01:43:48.239 --> 01:43:52.439 is another one. You say, medpay is no fault. How 1903 01:43:52.520 --> 01:43:54.720 do they even get access to their medpay? This person 1904 01:43:54.800 --> 01:43:56.640 doesn't even know what to do. How do you get 1905 01:43:56.680 --> 01:44:00.319 access to it? That's a good question. Okay, so you've 1906 01:44:00.319 --> 01:44:01.039 had an accident. 1907 01:44:01.680 --> 01:44:03.720 In addition to setting up a claim with the at 1908 01:44:03.800 --> 01:44:07.880 fault party, assuming you weren't at fault, the next call 1909 01:44:07.960 --> 01:44:10.359 that you make is to your own insurance company and 1910 01:44:10.479 --> 01:44:13.079 you tell them you were in an accident and you 1911 01:44:13.399 --> 01:44:16.199 have the medical payments coverage, and you need to open 1912 01:44:16.279 --> 01:44:19.279 a claim and get a medpay claim number, and then 1913 01:44:19.319 --> 01:44:21.560 you will use that claim number with any of your 1914 01:44:21.600 --> 01:44:25.760 medical providers, just as if it were an insurance policy 1915 01:44:25.840 --> 01:44:27.960 that they can build directly to and get paid. 1916 01:44:29.920 --> 01:44:32.319 And then that is not subrogated at the end. It 1917 01:44:32.399 --> 01:44:33.640 doesn't come out of the settlement. 1918 01:44:34.199 --> 01:44:35.359 Nope, not at all. 1919 01:44:35.840 --> 01:44:39.840 They have no right of subrogation, and the at fault 1920 01:44:39.880 --> 01:44:44.239 party has no right to offset for what medpay might 1921 01:44:44.319 --> 01:44:47.600 have paid, any more than they would have to offset 1922 01:44:47.680 --> 01:44:49.560 for what your own private health insurance might be. 1923 01:44:49.680 --> 01:44:52.079 Well wait, wait, wait, wait, hold on a second. 1924 01:44:52.520 --> 01:44:57.119 Let's say an MRI is indicated and medpays Medpay pays 1925 01:44:57.279 --> 01:44:58.479 twelve fourteen hundred. 1926 01:44:59.279 --> 01:45:03.800 Are you telling tell me that the other insurance company 1927 01:45:03.840 --> 01:45:04.760 can also pay for that. 1928 01:45:06.960 --> 01:45:09.760 They're not also paying for it. Let's let's let's look 1929 01:45:09.800 --> 01:45:12.319 at it like this, Tom. Let's say that you get 1930 01:45:12.359 --> 01:45:15.840 in an accident, you're damaged, and the other guy is 1931 01:45:15.880 --> 01:45:19.600 at fault. He's responsible for all of your damages. Part 1932 01:45:19.640 --> 01:45:24.720 of your damages are medical treatment, including an MRI. Now, 1933 01:45:25.239 --> 01:45:28.800 if we know that that party's responsibility includes all of 1934 01:45:28.880 --> 01:45:33.039 your medical damages, why would they be any less responsible 1935 01:45:33.600 --> 01:45:36.520 If you happen to have really good insurance that enabled 1936 01:45:36.560 --> 01:45:39.520 you to get the MRI for less money, or if 1937 01:45:39.600 --> 01:45:42.880 you had bought and paid for the medical payments coverage 1938 01:45:42.960 --> 01:45:45.800 that allowed your own company to pay for that MRI, 1939 01:45:46.560 --> 01:45:49.840 you wouldn't because to do so would be to disincentivize 1940 01:45:49.920 --> 01:45:54.439 your you know, responsible act of getting good insurance for yourself. So, 1941 01:45:54.640 --> 01:45:57.399 as a practical matter, we don't give the at fault 1942 01:45:57.479 --> 01:46:01.399 party any credit for those bridges and stuff that you 1943 01:46:01.600 --> 01:46:03.479 have on your own that you've bought and paid for. 1944 01:46:05.000 --> 01:46:07.239 All right, we have more coming up on the Troubleshooter Show. 1945 01:46:07.479 --> 01:46:08.720 We learn a lot on this show. 1946 01:46:08.800 --> 01:46:11.680 Give us a call with any problems questions and complaints. 1947 01:46:12.079 --> 01:46:14.800 Call three oh three Martino three oh three six two seven, 1948 01:46:14.920 --> 01:46:18.399 eight four sixty six or three oh three seven one 1949 01:46:18.520 --> 01:46:19.319 three talk. 1950 01:46:22.000 --> 01:46:25.239 Go with a sure Thing Denver's Best Roofer Excel Roofing 1951 01:46:25.319 --> 01:46:25.760 dot com. 1952 01:46:25.960 --> 01:46:28.479 You don't pay a cent until you're contenth. 1953 01:46:31.359 --> 01:46:34.520 Time for an insurance check up free, no obligation comparison 1954 01:46:34.680 --> 01:46:38.199 call Compass Insurance paying too much your coverage at dozens 1955 01:46:38.239 --> 01:46:40.960 of insurance companies find out now three oh three seven 1956 01:46:41.000 --> 01:46:43.319 to seven to one help. You'll think you're his only 1957 01:46:43.439 --> 01:46:45.840 customer when you choose Frank durand the real Estate Man 1958 01:46:45.960 --> 01:46:49.359 dot com to list your home with Remax Alliance three 1959 01:46:49.399 --> 01:46:51.640 oh three nine two zero sixteen twenty two. 1960 01:46:56.880 --> 01:47:02.199 Rip News. Need a best so you don't have. 1961 01:47:04.439 --> 01:47:10.359 Come running as as can shoot us Gonna help come. 1962 01:47:10.640 --> 01:47:19.479 Man dix is the Troubleshooter Show. No Tom Martine, Hi. 1963 01:47:19.439 --> 01:47:21.760 I'm Tom Martine here to help you solve problems, to 1964 01:47:21.800 --> 01:47:24.840 answer questions, to take complaints. All you have to do 1965 01:47:24.960 --> 01:47:26.560 is give us a call three oh three seven one 1966 01:47:26.640 --> 01:47:29.359 three Talks seven one three eight two five five Alan 1967 01:47:30.159 --> 01:47:34.199 he joins us to talk about insurance and branded titles. 1968 01:47:34.279 --> 01:47:37.680 Whatever's on your mind every day aches and pains, the 1969 01:47:37.840 --> 01:47:41.359 things that make us tick, the things that tick us off. 1970 01:47:41.680 --> 01:47:42.720 Alan, what's going on? 1971 01:47:44.399 --> 01:47:44.600 Hey? 1972 01:47:44.760 --> 01:47:45.600 How's it going Tom? 1973 01:47:45.680 --> 01:47:45.840 Hey? 1974 01:47:45.920 --> 01:47:47.000 Thanks for having good man. 1975 01:47:48.119 --> 01:47:48.840 What's happening? 1976 01:47:50.439 --> 01:47:50.680 Yeah? 1977 01:47:50.840 --> 01:47:52.960 So I bought a car. 1978 01:47:54.960 --> 01:47:58.159 And it had a branded title, and I'm trying to 1979 01:47:58.199 --> 01:48:02.720 figure out how much insurance I need, okay, and so 1980 01:48:02.840 --> 01:48:05.079 I thought maybe you he or you guys might have 1981 01:48:05.199 --> 01:48:05.720 some ideas. 1982 01:48:07.199 --> 01:48:09.880 So you bought it knowing it was a branded title. 1983 01:48:11.439 --> 01:48:11.800 Correct? 1984 01:48:13.439 --> 01:48:14.359 When did you buy it? 1985 01:48:16.520 --> 01:48:16.680 Uh? 1986 01:48:17.640 --> 01:48:18.439 A few days ago? 1987 01:48:20.279 --> 01:48:21.479 And what kind of car is it? 1988 01:48:23.199 --> 01:48:26.399 It's a it's an Aston Martin Vantage. 1989 01:48:29.439 --> 01:48:33.640 Yeah, Aston Martin Advantage. What year. 1990 01:48:35.319 --> 01:48:36.039 It's an eight? 1991 01:48:37.560 --> 01:48:40.439 Okay, here's what's going to happen. So was it a 1992 01:48:40.520 --> 01:48:42.800 total wreck that was rebuilt from salvage? 1993 01:48:45.239 --> 01:48:48.800 Well, my understanding it was it had slight blood damage, 1994 01:48:48.840 --> 01:48:54.159 but the insurance company told it. But it's a beautiful 1995 01:48:54.239 --> 01:48:57.640 cars in great shape, runs great. I mean everything. I 1996 01:48:57.720 --> 01:48:59.279 can't tell anything is wrong with it. 1997 01:49:01.159 --> 01:49:04.840 But it is a brand No, there are many times, Listen, 1998 01:49:06.000 --> 01:49:11.319 there are many times. There are many times when people 1999 01:49:12.239 --> 01:49:19.479 have a slightly flooded car, or hell damage or other damages. 2000 01:49:19.760 --> 01:49:23.239 Like odors and stuff where they total a car. But 2001 01:49:23.399 --> 01:49:24.199 it's not a wreck. 2002 01:49:25.199 --> 01:49:27.479 You know, we always think of total cars as res 2003 01:49:27.960 --> 01:49:32.000 but once they're bought by the insurance company, they must 2004 01:49:32.079 --> 01:49:34.359 be branded as salvage. 2005 01:49:35.439 --> 01:49:36.439 The problem you're. 2006 01:49:36.319 --> 01:49:39.760 Going to have with insurance coverage is not how much 2007 01:49:39.920 --> 01:49:43.680 to get, but how much they'll pay you in the 2008 01:49:43.760 --> 01:49:49.159 event of an accident. Normally, if you normally, if you 2009 01:49:49.279 --> 01:49:52.000 have a salvage title, you're going to get a fraction 2010 01:49:52.159 --> 01:49:54.039 of the cost for everything covered. 2011 01:49:54.720 --> 01:49:58.239 So you shouldn't pay You know, how much did you 2012 01:49:58.319 --> 01:49:59.000 pay for this car? 2013 01:50:01.840 --> 01:50:02.000 Oh? 2014 01:50:02.079 --> 01:50:06.760 You won't believe it. I got it for ten ten. 2015 01:50:09.600 --> 01:50:10.560 Around ten grand. 2016 01:50:12.239 --> 01:50:16.560 Yeah, and it's a it's an acid Martin Vantage and 2017 01:50:16.680 --> 01:50:18.359 thea what year? 2018 01:50:18.680 --> 01:50:25.279 What year is it? How many miles on it? 2019 01:50:27.000 --> 01:50:27.119 Uh? 2020 01:50:28.199 --> 01:50:28.600 Thirty? 2021 01:50:30.520 --> 01:50:30.760 Dude? 2022 01:50:33.239 --> 01:50:35.800 You know what, you got yourself a hell of a deal. 2023 01:50:35.960 --> 01:50:37.039 Holy crap. 2024 01:50:38.760 --> 01:50:43.840 Yeah, wow, I could have passed it up. 2025 01:50:44.359 --> 01:50:49.439 Yeah, you know, let's get our insurance guy on you. 2026 01:50:49.600 --> 01:50:49.920 Hang on. 2027 01:50:50.119 --> 01:50:52.760 I'm going to bring Brian Burns up to talk about this. 2028 01:50:53.479 --> 01:50:56.560 It's a good topic and he's a broker, so he'll 2029 01:50:56.600 --> 01:50:58.520 tell you straight up what you do with that. Okay, 2030 01:50:58.880 --> 01:51:02.399 So hang on real three seven one three talk seven 2031 01:51:02.479 --> 01:51:06.159 one three eight two five five. John Fuller's with us 2032 01:51:06.239 --> 01:51:08.720 our personal injury expert for the day and our co 2033 01:51:08.920 --> 01:51:12.840 host from time to time, so we are getting occasional 2034 01:51:12.960 --> 01:51:17.239 text back about that topic. We also are getting a 2035 01:51:17.279 --> 01:51:19.760 lot of texts on the woman who could hear a 2036 01:51:19.880 --> 01:51:23.800 noise and only Dimitri could hear it and no other 2037 01:51:23.920 --> 01:51:27.000 people hearing noises. 2038 01:51:28.000 --> 01:51:31.840 Are not necessarily covered by warranties. This one text says, 2039 01:51:35.319 --> 01:51:36.920 who the hell did that? That was? 2040 01:51:37.319 --> 01:51:39.720 That was Christy. That was from her original call. 2041 01:51:40.199 --> 01:51:43.800 And by the way, Tom, I'm discovering that no hounda 2042 01:51:43.880 --> 01:51:47.279 dealership GM will return my call on this matter. 2043 01:51:47.920 --> 01:51:50.920 So I have a feeling it's I have. 2044 01:51:51.000 --> 01:51:53.319 A feeling they know about this and they just don't 2045 01:51:53.680 --> 01:51:55.840 don't want to open a whole can of worms, do 2046 01:51:55.880 --> 01:51:59.000 you think so? Well, why else would they pass up 2047 01:51:59.000 --> 01:52:02.399 the opportunity to play a hero and advise us on 2048 01:52:02.520 --> 01:52:05.239 the typical technical aspects of this topic. 2049 01:52:06.359 --> 01:52:07.720 Why would they pass up on that? 2050 01:52:08.960 --> 01:52:09.359 I don't know. 2051 01:52:10.439 --> 01:52:10.800 I don't know. 2052 01:52:12.199 --> 01:52:15.079 I think that well, it could be they don't know 2053 01:52:15.119 --> 01:52:17.319 how to address it or they don't know what to 2054 01:52:17.399 --> 01:52:17.800 do about it. 2055 01:52:19.199 --> 01:52:22.439 I mean, it's just that because not everyone hears it. 2056 01:52:23.760 --> 01:52:26.520 I haven't happened to feel that there's not anything they 2057 01:52:26.840 --> 01:52:28.800 are at fault at I mean, what is that. 2058 01:52:28.960 --> 01:52:31.760 Fault of emanating a noise? When does it become a 2059 01:52:31.880 --> 01:52:35.680 fault in the car? John? What would you say? 2060 01:52:38.119 --> 01:52:41.479 Gosh, I don't know. I mean, it's so hard to 2061 01:52:41.600 --> 01:52:44.720 even you know, how do you even prove it? 2062 01:52:45.399 --> 01:52:45.439 You? 2063 01:52:45.520 --> 01:52:46.079 What do you got to do? 2064 01:52:46.159 --> 01:52:47.800 Get a meter in there to prove that it's not 2065 01:52:47.960 --> 01:52:50.239 something that's completely subjective. 2066 01:52:51.760 --> 01:52:56.000 Exactly, or something somebody's feeling. Here's the deal. 2067 01:52:56.520 --> 01:52:59.960 We've had really strange cases where things only showed up 2068 01:53:00.119 --> 01:53:02.359 for one person. No one else could hear it or 2069 01:53:02.439 --> 01:53:07.119 feel it. Has anyone ever heard of the the Santa Fe? 2070 01:53:07.840 --> 01:53:09.800 By the way, are you as sus are you getting 2071 01:53:10.119 --> 01:53:10.920 Brian burns On? 2072 01:53:11.439 --> 01:53:15.119 I have a message in to hear from him? Okay? 2073 01:53:15.520 --> 01:53:17.239 Has anyone ever heard of the Santa Fe? 2074 01:53:17.840 --> 01:53:18.680 Santa Fe? Thump? 2075 01:53:19.239 --> 01:53:19.600 Trapper? 2076 01:53:20.279 --> 01:53:21.199 Has house hum? 2077 01:53:22.920 --> 01:53:23.319 Mexico? 2078 01:53:23.600 --> 01:53:24.199 Is it the hum? 2079 01:53:24.720 --> 01:53:25.399 There's a hum? 2080 01:53:25.880 --> 01:53:26.680 It's am. 2081 01:53:28.960 --> 01:53:29.920 And people can hear. 2082 01:53:30.079 --> 01:53:32.720 Some people can hear while they're flying in an airliner 2083 01:53:33.239 --> 01:53:35.279 at FL thirty two over. 2084 01:53:36.119 --> 01:53:40.680 It's it's a mysterious persistent, low frequency humming, rumbling, or 2085 01:53:40.800 --> 01:53:44.720 droning noise that residents of Taos, New Mexico, claim to 2086 01:53:44.800 --> 01:53:47.199 hear while others completely are unaware of it. 2087 01:53:48.359 --> 01:53:49.760 Did you hear it when you went? 2088 01:53:50.399 --> 01:53:53.640 No, I didn't hear it, thankfully, but people in airplanes 2089 01:53:53.760 --> 01:53:54.600 report hearing it. 2090 01:53:55.079 --> 01:53:56.359 From FL thirty two. 2091 01:53:57.479 --> 01:54:01.479 The tous hum is a low frequency sound often described 2092 01:54:01.840 --> 01:54:06.279 as a faint, droning noise. People have had to move away, 2093 01:54:07.359 --> 01:54:10.239 while other people buy their homes for a song and 2094 01:54:10.359 --> 01:54:16.479 don't hear anything. Some people say it might be inner 2095 01:54:16.560 --> 01:54:23.159 ear function, psychological local industrial noise, or elevated electromagnetic field levels. 2096 01:54:23.199 --> 01:54:28.199 But how does that how does that reconcile to the 2097 01:54:28.279 --> 01:54:29.800 fact that not everyone hears it? 2098 01:54:31.399 --> 01:54:34.079 Well, we're all wired a little differently, and I mean 2099 01:54:34.119 --> 01:54:35.199 it's an aaligant. 2100 01:54:34.960 --> 01:54:35.479 Are we really? 2101 01:54:35.920 --> 01:54:36.119 Yeah? 2102 01:54:36.159 --> 01:54:40.319 Well, look I can hear the whining sound from that Honda, 2103 01:54:40.840 --> 01:54:47.359 but most people can't. Dmitri interesting and I'm not imagining 2104 01:54:47.399 --> 01:54:50.159 it because Kevin from Sharon Autotech heard it once. 2105 01:54:50.600 --> 01:54:58.600 What were you saying? Somebody just talked so that tom. 2106 01:55:00.399 --> 01:55:00.439 So. 2107 01:55:00.560 --> 01:55:05.119 I also thought that Santa Fe noise might be related 2108 01:55:05.199 --> 01:55:10.439 to the navy and submarine communications on a very low frequency. 2109 01:55:13.359 --> 01:55:16.720 Really, well, why can only some people hear it? I think, 2110 01:55:16.800 --> 01:55:20.279 like says, you know, some people only hear certain things. 2111 01:55:22.800 --> 01:55:23.239 That's right. 2112 01:55:23.439 --> 01:55:28.359 So here's the point. If you have a situation like 2113 01:55:28.479 --> 01:55:31.560 that with a car, the question is when does it 2114 01:55:31.640 --> 01:55:36.239 become bothersome and a warranty issue. That's something that's never addressed. 2115 01:55:36.840 --> 01:55:42.560 There are countless examples on searching right now of cars 2116 01:55:42.680 --> 01:55:47.680 with noises. That's one thing I can't tolerate. If there's 2117 01:55:47.720 --> 01:55:50.000 a little squeak or a home or something, or a 2118 01:55:50.039 --> 01:55:53.359 little rattle in a car, it just drives me crazy. 2119 01:55:53.840 --> 01:55:56.720 By the way, the quietest car I've ever owned is 2120 01:55:56.800 --> 01:56:00.239 this BMW X seven. The quietest I've ever owned, more 2121 01:56:00.279 --> 01:56:02.960 so than a Mercedes or anything else. I'm not saying 2122 01:56:02.960 --> 01:56:05.560 it's the best car. I'm just saying it's the quietest car. 2123 01:56:05.960 --> 01:56:06.239 You know what. 2124 01:56:06.359 --> 01:56:11.079 The noises car was the g Wagon Mercedes g Wagon 2125 01:56:11.600 --> 01:56:14.840 as much as they're touted anyway. We're waiting to hear 2126 01:56:14.880 --> 01:56:17.760 from Brian Burns Allen, so hang on and we'll see 2127 01:56:17.800 --> 01:56:21.359 what he says about insuring branded titles, because nowadays a 2128 01:56:21.399 --> 01:56:25.439 lot of people are voluntarily going for brand branded titles 2129 01:56:26.000 --> 01:56:28.960 because they feel they can save some money. We got 2130 01:56:29.039 --> 01:56:30.720 more coming up on the Troubleshooter show. 2131 01:56:37.000 --> 01:56:40.279 Go with a sure Thing, Denver's Best Roofer Excel roofing 2132 01:56:40.359 --> 01:56:43.000 dot com. You don't pay a cent until you're content. 2133 01:56:46.399 --> 01:56:49.520 Time for an insurance checkup free, no obligation. In comparison, 2134 01:56:49.720 --> 01:56:53.239 call Compass Insurance paying too much your coverage at dozens 2135 01:56:53.279 --> 01:56:56.000 of insurance companies find out now three O three seven 2136 01:56:56.000 --> 01:56:56.560 to seven to one. 2137 01:56:56.720 --> 01:56:56.920 Help. 2138 01:56:57.119 --> 01:56:59.760 You'll think you're his only customer when you choose Frank 2139 01:56:59.800 --> 01:57:02.239 to the real estate man dot com to list your 2140 01:57:02.319 --> 01:57:05.439 home with Remax Alliance three oh three nine two zero 2141 01:57:05.560 --> 01:57:06.520 sixteen twenty two. 2142 01:57:14.359 --> 01:57:18.520 Hi Tom Martino here three three seven one three talk 2143 01:57:19.760 --> 01:57:23.600 three three seven one three two five five. Now remember 2144 01:57:23.680 --> 01:57:31.359 this case we talked about with Cameron. Cameron moved here 2145 01:57:31.439 --> 01:57:36.800 from Texas, an Army veteran, and he signed a lease 2146 01:57:38.159 --> 01:57:45.439 with Spyglass Creek Apartments, and a day or two after 2147 01:57:45.680 --> 01:57:49.800 signing that lease, his cars were towed from their parking space. 2148 01:57:49.880 --> 01:57:51.079 No, they weren't told. I'm sorry. 2149 01:57:51.720 --> 01:57:57.119 They were booted because they said he did not have 2150 01:57:57.319 --> 01:58:02.680 parking passes. He had requested parking passes, but they had 2151 01:58:02.760 --> 01:58:06.319 not gotten them to him. He has proof he was 2152 01:58:06.399 --> 01:58:12.119 a resident by for sure. The cars were parked there 2153 01:58:13.000 --> 01:58:16.439 legally he was a resident, but just because he didn't 2154 01:58:16.479 --> 01:58:20.640 have that sticker, they booted it. Now, once they realized 2155 01:58:20.680 --> 01:58:23.560 the mistake, you think they would just unboot it. 2156 01:58:24.239 --> 01:58:24.560 Why not. 2157 01:58:26.159 --> 01:58:31.479 However, we were having trouble getting the Spyglass Apartment management 2158 01:58:31.560 --> 01:58:36.760 to see it our way. In fact, Exodus Gricksby, believe 2159 01:58:36.800 --> 01:58:41.159 it or not, that's the guy's name. Exodus Gricksby, the 2160 01:58:41.239 --> 01:58:44.880 assistant community manager, indicated that they were probably going to 2161 01:58:44.960 --> 01:58:46.960 keep the money or not keep the money, but not 2162 01:58:48.119 --> 01:58:49.359 refund or credit that. 2163 01:58:50.279 --> 01:58:51.800 See, it doesn't cost them a dime. 2164 01:58:51.880 --> 01:58:54.720 They go put a boot on there and if it's 2165 01:58:54.760 --> 01:58:57.640 a mistake, they can just take it right off. But 2166 01:58:57.840 --> 01:59:02.199 Exodus Grisby said he wouldn't do it. And when we 2167 01:59:02.359 --> 01:59:05.399 called Spyglass Apartments, they said it was up to him. 2168 01:59:06.159 --> 01:59:10.039 And then we called the tow company or the boot company, 2169 01:59:10.520 --> 01:59:13.000 and they said they had to get work for management. 2170 01:59:13.399 --> 01:59:15.079 We were being jerked back and forth. 2171 01:59:16.399 --> 01:59:19.079 Bo got really upset Deputy Bow about this and wanted 2172 01:59:19.119 --> 01:59:20.079 to go out and investigate. 2173 01:59:20.159 --> 01:59:20.319 Bow. 2174 01:59:20.399 --> 01:59:21.119 What did you find? 2175 01:59:23.319 --> 01:59:28.960 So Tom as, yeah, this actually this goodbye. 2176 01:59:29.520 --> 01:59:34.119 He's an evil manager. He had full authority to remove 2177 01:59:34.359 --> 01:59:37.319 those boots as stated. 2178 01:59:37.079 --> 01:59:38.800 By the boot company. 2179 01:59:39.399 --> 01:59:43.399 He would not do it. He was very unreasonable. He 2180 01:59:43.560 --> 01:59:47.359 did not give Cameron or his girlfriend these parking passes 2181 01:59:47.720 --> 01:59:52.119 or parking stickers today they moved in, so I just 2182 01:59:52.560 --> 01:59:56.279 wanted to wait and get talked to him, and he 2183 01:59:56.560 --> 02:00:01.920 called the Denver police on me for trustpass and I 2184 02:00:01.960 --> 02:00:04.479 actually gave helped them give the description to me so 2185 02:00:04.600 --> 02:00:07.319 the police could come find me. There's no way they 2186 02:00:07.359 --> 02:00:10.239 could give me a trust passing ticket because I was 2187 02:00:10.319 --> 02:00:14.319 there as a guest of Cameron Dean. So with all 2188 02:00:14.399 --> 02:00:18.359 of this back and forth, I Cameron went back to 2189 02:00:18.399 --> 02:00:21.680 the apartment and I was waiting for the police and 2190 02:00:22.079 --> 02:00:25.960 I did a little investigation. There's absolutely no signage in 2191 02:00:26.159 --> 02:00:31.159 the parking lot that says they can boot. So I 2192 02:00:31.359 --> 02:00:35.840 was there until three thirty. Police did not show up. Well, 2193 02:00:35.920 --> 02:00:38.399 they showed up on another matter, and that was a 2194 02:00:38.439 --> 02:00:40.800 different thing. There was actually a fire to put the 2195 02:00:40.920 --> 02:00:45.000 apartment that was taking care. 2196 02:00:45.199 --> 02:00:49.159 But when I went back, CAMRA's girlfriend paid the fee. 2197 02:00:50.359 --> 02:00:53.600 Doc generously offered to pay for one of the boot fees, 2198 02:00:53.680 --> 02:00:57.039 but Cameron Camera's girlfriend was just so sick and tired 2199 02:00:57.119 --> 02:01:00.920 of all the back and forth commotion. With exodus being 2200 02:01:01.000 --> 02:01:03.520 they needed to find work. They just moved here from 2201 02:01:03.600 --> 02:01:07.399 Texas they had job interviews, so she paid. There was 2202 02:01:07.439 --> 02:01:11.039 a three hundred and eighty dollars fee to remove the boot. 2203 02:01:11.399 --> 02:01:14.520 But what was strange about it? I said, well, how 2204 02:01:14.600 --> 02:01:16.119 could the boot be removed? 2205 02:01:16.159 --> 02:01:18.600 Because I was sitting at the entrance of the Spy 2206 02:01:18.760 --> 02:01:22.520 Glass apartment and I didn't see the Metro Parking boot 2207 02:01:22.560 --> 02:01:24.119 company come in to remove the boot. 2208 02:01:24.439 --> 02:01:26.000 When you know something, they don't have to. 2209 02:01:26.479 --> 02:01:27.239 They don't have to. 2210 02:01:28.039 --> 02:01:31.560 Now, someone from the management, someone from the apartment maintenance, 2211 02:01:31.600 --> 02:01:33.199 from the department. 2212 02:01:32.800 --> 02:01:33.960 Building removed the boot. 2213 02:01:34.000 --> 02:01:36.119 They didn't even call anybody, and they could have very 2214 02:01:36.199 --> 02:01:38.720 easily taken this illegal boot off. 2215 02:01:39.079 --> 02:01:40.279 I was so mad about it. 2216 02:01:40.399 --> 02:01:42.279 I wanted to cut the boot off because I just 2217 02:01:42.359 --> 02:01:46.279 thought it was totally illegal. And that next day I 2218 02:01:46.479 --> 02:01:51.399 called the PUC and I was able to file a 2219 02:01:51.560 --> 02:01:56.159 formal complaint against Spy Glass Apartments in this booting, and 2220 02:01:56.479 --> 02:02:00.439 they are in the process of conducting an investmentation. 2221 02:02:01.680 --> 02:02:05.000 Let me just tell you something, this Exodus Grigsby is 2222 02:02:05.039 --> 02:02:08.840 a piece of crap. You hear me, Exodus Grigsby, You're 2223 02:02:08.880 --> 02:02:11.920 a piece of crap. You're an evil person and you 2224 02:02:12.119 --> 02:02:14.840 just want to cause pain and misery. You have a 2225 02:02:14.920 --> 02:02:18.119 little authority, so you get the big time, the big 2226 02:02:18.239 --> 02:02:20.560 time boner here and all you want to do is 2227 02:02:23.840 --> 02:02:28.479 three ninety eighty is Grigsby's number. He's a scumbag that 2228 02:02:28.640 --> 02:02:32.720 he lives to inflict misery on people. That's my opinion 2229 02:02:32.800 --> 02:02:35.960 of this guy. Here is a veteran who came here 2230 02:02:36.000 --> 02:02:39.279 to live. He had a signed lease. All you had 2231 02:02:39.319 --> 02:02:42.279 to do, Gricksby is go in and see that he 2232 02:02:42.359 --> 02:02:46.119 had assigned lease number one, number two. See that he 2233 02:02:46.319 --> 02:02:49.039 requested parking passes number three. 2234 02:02:49.680 --> 02:02:52.520 Unlock the damn boots since you are the guys in 2235 02:02:52.760 --> 02:02:53.319 charge of it. 2236 02:02:54.199 --> 02:03:00.960 But that's exodus Grigsby Spyglass Apartments seventy one hundred East Smithssissippi, Denver. 2237 02:03:01.399 --> 02:03:04.439 Here's their number three OZH three seventy five to three 2238 02:03:04.960 --> 02:03:08.079 ninety eighty. Do we have a corporate office for these idiots? 2239 02:03:08.119 --> 02:03:10.479 You were gonna call Bo? I thought? Or somebody was 2240 02:03:10.479 --> 02:03:11.880 gonna call the corporate office? 2241 02:03:12.479 --> 02:03:12.680 Yeah? 2242 02:03:12.720 --> 02:03:13.640 That was me, Tom. 2243 02:03:13.720 --> 02:03:13.920 Yeah. 2244 02:03:14.039 --> 02:03:16.199 Did you want to just let them know what they're 2245 02:03:16.279 --> 02:03:18.319 doing locally? And how stupid it is? 2246 02:03:18.520 --> 02:03:19.359 Tom over? 2247 02:03:19.520 --> 02:03:20.800 What a couple hundred bucks? 2248 02:03:20.880 --> 02:03:20.920 What? 2249 02:03:21.319 --> 02:03:23.720 Tom? Someone suggested they should file a complaint with the 2250 02:03:23.800 --> 02:03:26.840 PUC if they did anything wrong. Well they'll get his. 2251 02:03:27.159 --> 02:03:27.680 Bo did that? 2252 02:03:28.000 --> 02:03:28.119 Oh? 2253 02:03:28.159 --> 02:03:29.560 Okay, Bo did it? 2254 02:03:30.319 --> 02:03:31.000 I haven't. 2255 02:03:33.239 --> 02:03:34.399 I just want to go ahead. 2256 02:03:35.199 --> 02:03:36.760 Normally, these media. 2257 02:03:36.560 --> 02:03:39.560 Relations people are always stand offish, but when I made 2258 02:03:39.600 --> 02:03:42.239 the follow up call to find out how the investigation 2259 02:03:42.560 --> 02:03:46.680 was going, she said, I am really glad for the 2260 02:03:46.800 --> 02:03:49.359 Tom Martino show. You guys do a lot of good 2261 02:03:49.479 --> 02:03:52.840 for people with these towing and booty issues, so. 2262 02:03:52.920 --> 02:03:53.920 That made me good. 2263 02:03:54.279 --> 02:03:58.159 Excellent, that's really good. So what were you saying, bo? 2264 02:03:58.399 --> 02:03:59.359 I mean, now, what were you saying? 2265 02:03:59.439 --> 02:04:03.159 Du You know when both started working in this case, 2266 02:04:03.239 --> 02:04:05.600 I helped him out a little bit last week, and 2267 02:04:05.720 --> 02:04:08.479 I did track down the owner of that apartment complex. 2268 02:04:08.920 --> 02:04:12.600 It's a Florida company, a really big property ownership company 2269 02:04:12.680 --> 02:04:15.279 called pride Rock Capital Partners. 2270 02:04:14.840 --> 02:04:16.840 Pridewalk Capital Partners, Okay. 2271 02:04:16.760 --> 02:04:19.800 And they're according to their website, they have a map 2272 02:04:19.840 --> 02:04:22.319 and it looks like they're in between ten and fifteen states. 2273 02:04:22.960 --> 02:04:23.920 So I left. 2274 02:04:24.079 --> 02:04:27.560 So I called them, believe at least twice. There's no answer, 2275 02:04:27.760 --> 02:04:30.600 but I left a voicemail and asked them to give 2276 02:04:30.680 --> 02:04:33.479 us a callback to kind of discuss this issue if they. 2277 02:04:33.439 --> 02:04:35.359 Have any instru mentioned a veteran and all of that. 2278 02:04:36.319 --> 02:04:39.319 I didn't mention the veteran part, but I did mention 2279 02:04:39.600 --> 02:04:42.560 that we're working on a story about you know what, 2280 02:04:42.840 --> 02:04:46.720 to me appears to be a suspicious booting, predatory booting practice. 2281 02:04:46.760 --> 02:04:48.159 In my opinion, there's no warning. 2282 02:04:48.000 --> 02:04:50.520 Signs right bo No, and it's a skin. 2283 02:04:50.680 --> 02:04:54.079 It's this manager Sammy needs tenants that most of them 2284 02:04:54.079 --> 02:04:56.479 are low income and they don't have the money or 2285 02:04:56.520 --> 02:04:58.520 the where with all the data. I mean, it's just 2286 02:04:58.760 --> 02:05:01.000 illegal always. 2287 02:05:00.600 --> 02:05:01.199 And just scam. 2288 02:05:01.399 --> 02:05:02.560 Now here's what I want to say. 2289 02:05:03.000 --> 02:05:05.199 Here's what I want to say, real quick, guys, hold on, 2290 02:05:06.039 --> 02:05:07.800 she can go to small claims court and get that 2291 02:05:07.920 --> 02:05:11.680 money back because it's going to be hard for him 2292 02:05:11.720 --> 02:05:15.319 to prove their signs when there's no signs. Plus the 2293 02:05:15.399 --> 02:05:18.600 PUC do both. But I suggest you go to small 2294 02:05:18.640 --> 02:05:19.239 claims court. 2295 02:05:20.399 --> 02:05:21.640 What did you want to add to? 2296 02:05:22.399 --> 02:05:25.960 Pride Rock Capital Partners never return my call. They seem 2297 02:05:26.000 --> 02:05:27.359 to have no comment on this matter. 2298 02:05:28.720 --> 02:05:32.000 Capital Partners. I mean, look at the name. They're not 2299 02:05:32.239 --> 02:05:36.119 you know, I guess they're not very proud. I want 2300 02:05:36.119 --> 02:05:37.920 to leave a message for him live on the air. 2301 02:05:38.439 --> 02:05:41.079 Oh, I want to. I want to. We'll get that number. 2302 02:05:41.159 --> 02:05:42.239 We'll do that after the break. 2303 02:05:43.279 --> 02:05:49.199 Pride Rock Capital Partners owns the project and they and 2304 02:05:49.319 --> 02:05:51.119 they did not return calls. 2305 02:05:52.319 --> 02:05:56.520 Okay, PUC is going to call me hopefully tomorrow with 2306 02:05:56.720 --> 02:05:59.840 camera's permission to give me an update of the investigation. 2307 02:06:00.279 --> 02:06:03.159 So they are actively investigating it, which is good. 2308 02:06:05.039 --> 02:06:05.359 Thank you. 2309 02:06:05.880 --> 02:06:09.800 We got we got partial victory here in that. We 2310 02:06:09.880 --> 02:06:13.920 got the PC interested. We're gonna follow this through. Yeah, 2311 02:06:14.039 --> 02:06:15.760 they suck. We got more coming up. 2312 02:06:21.319 --> 02:06:24.600 Go with a sure thing Denver's best roofer Excel Roofing 2313 02:06:24.680 --> 02:06:27.319 dot com. You don't pay a cent until you're content. 2314 02:06:30.720 --> 02:06:33.880 Time for an insurance checkup free, no obligation. In comparison, 2315 02:06:34.039 --> 02:06:37.560 call Compass Insurance paying too much your coverage at dozens 2316 02:06:37.600 --> 02:06:40.319 of insurance companies find out now three oh three seven 2317 02:06:40.439 --> 02:06:43.239 seven to one help. You'll think you're his only customer 2318 02:06:43.279 --> 02:06:45.479 when you choose Frank durand the real estate Man dot 2319 02:06:45.560 --> 02:06:48.880 com to list your home with Remax Alliance three oh 2320 02:06:48.920 --> 02:06:50.840 three nine two zero sixteen twenty two. 2321 02:06:57.439 --> 02:07:01.680 Hi Tom Artino here, we have Brian Burns with us 2322 02:07:02.199 --> 02:07:02.880 for this question. 2323 02:07:03.319 --> 02:07:07.479 I want to ask Brian is with Compass Insurance Group, 2324 02:07:08.239 --> 02:07:11.600 home of the free insurance checkups to make sure you're 2325 02:07:11.640 --> 02:07:14.359 not over or under insured or paying. 2326 02:07:14.199 --> 02:07:16.800 Too much three h three nine nine six nine thousand. 2327 02:07:17.720 --> 02:07:21.960 Brian Alan bought a branded title, meaning the car had 2328 02:07:22.039 --> 02:07:25.880 some minor flood damage and they totaled it out, So 2329 02:07:26.079 --> 02:07:28.880 it's a branded title. He bought it for a really 2330 02:07:28.960 --> 02:07:30.880 good deal, no matter why. 2331 02:07:30.920 --> 02:07:33.479 It's a two thousand and eight Aston Martin and he 2332 02:07:33.600 --> 02:07:36.600 has a really good deal on it, and he bought 2333 02:07:36.640 --> 02:07:37.439 it for ten grand. 2334 02:07:37.520 --> 02:07:40.479 He wants to know about insuring it. What will happen 2335 02:07:40.640 --> 02:07:41.359 in a collision? 2336 02:07:41.479 --> 02:07:44.720 Coverage or how do you let's notice ask this, how 2337 02:07:44.800 --> 02:07:46.399 do you ensure those kinds of cars? 2338 02:07:47.439 --> 02:07:51.399 Well, so, a lot of branded or salvage titles. I 2339 02:07:51.439 --> 02:07:52.920 don't know if this is a salvaged or not. 2340 02:07:53.119 --> 02:07:54.640 But that's what it is. 2341 02:07:55.359 --> 02:07:57.800 It is a salvage title. Okay, because sometimes branded in 2342 02:07:57.880 --> 02:08:00.279 Colorado means like it has hail damage. But the words 2343 02:08:00.279 --> 02:08:03.520 it's still drivable, it's not a safety issue. Salvage. 2344 02:08:03.760 --> 02:08:06.479 Well, let's ask him. Let's ask him Alan does it 2345 02:08:06.600 --> 02:08:08.119 actually say salvage. 2346 02:08:09.640 --> 02:08:13.680 It says salvage. Yeah, but it's it's operable. I mean, 2347 02:08:13.720 --> 02:08:14.399 it runs great. 2348 02:08:15.079 --> 02:08:17.279 No, I get it, I get it. Let's talk about 2349 02:08:17.399 --> 02:08:17.880 ensuring it. 2350 02:08:18.840 --> 02:08:21.039 Yeah, so it's going to be difficult to get. Well, 2351 02:08:21.039 --> 02:08:23.000 you're not going to get any kind of physical damage 2352 02:08:23.039 --> 02:08:26.720 insurance on it unless you have it rebuilt a rebuilt title, 2353 02:08:27.119 --> 02:08:29.920 which means that you have gone undergone all the uh 2354 02:08:30.359 --> 02:08:33.159 you know, you go through the DNB, you provide the 2355 02:08:33.239 --> 02:08:35.600 documentation of any kind of repairs that you've done to it, 2356 02:08:36.279 --> 02:08:39.119 and then they can rebuild. They will give you a 2357 02:08:39.199 --> 02:08:41.880 rebuilt title at that point, and then you can put 2358 02:08:41.920 --> 02:08:43.840 physical damage coverage on the vehicle. 2359 02:08:44.279 --> 02:08:46.520 But if but other than that, he won't ever get 2360 02:08:46.600 --> 02:08:50.159 he won't ever get comprehensive. He won't ever get comprehensive 2361 02:08:50.239 --> 02:08:50.920 or anything like that. 2362 02:08:51.760 --> 02:08:54.359 No comprehensive or collision. It's going to be a liability only. 2363 02:08:55.640 --> 02:08:58.000 What if somebody steals the car that he doesn't get 2364 02:08:58.039 --> 02:09:02.359 any of it? Oh, no coverage, it's just liability only. 2365 02:09:03.159 --> 02:09:05.720 If it's a salvage, it's already been paid out. It's 2366 02:09:05.800 --> 02:09:08.640 it's been total. So the value of the car has 2367 02:09:08.720 --> 02:09:09.720 been paid out already. 2368 02:09:13.520 --> 02:09:13.920 I get it. 2369 02:09:14.880 --> 02:09:16.000 So do you get that, Allen. 2370 02:09:16.479 --> 02:09:18.720 You're not going to be able to ensure it. You're 2371 02:09:18.760 --> 02:09:22.000 not going to be able to insure it for your yourself. 2372 02:09:22.319 --> 02:09:24.199 At least you can get liability and drive. 2373 02:09:26.479 --> 02:09:32.479 So here here's here's a question for for Brian. It's 2374 02:09:32.560 --> 02:09:35.079 not it's not going to be a daily driver. Right, 2375 02:09:35.199 --> 02:09:37.000 it's just going to be one of those cars that 2376 02:09:37.119 --> 02:09:40.479 you know, we drive on the weekends and maybe date night. 2377 02:09:40.399 --> 02:09:41.000 That kind of thing. 2378 02:09:42.800 --> 02:09:47.359 What about a specialty carrier like Haggarty. Yeah, yeah, I 2379 02:09:47.439 --> 02:09:49.319 mean that would be an option. If it wasn't a 2380 02:09:49.399 --> 02:09:52.000 salvage title. They still look at the title work. So 2381 02:09:52.600 --> 02:09:56.000 if it's a salvage title, they're not going to cover that. 2382 02:09:56.239 --> 02:09:59.239 They're not going to cover for physical damage. Again, the 2383 02:09:59.319 --> 02:10:02.239 whole meaning behind that is that the that the insurance 2384 02:10:02.279 --> 02:10:05.279 company paid out the full value of the car, it's 2385 02:10:05.319 --> 02:10:09.279 already been paid out, and and someone bought it back 2386 02:10:09.399 --> 02:10:13.880 from the insurance company for salvage, and meaning they just said, hey, 2387 02:10:13.920 --> 02:10:15.279 you know what, this is all paid out. This is 2388 02:10:15.319 --> 02:10:17.520 what you can buy it back from us for. But 2389 02:10:17.640 --> 02:10:20.279 at that point it's not insurable from a from a 2390 02:10:21.079 --> 02:10:22.279 physical damage standpoint. 2391 02:10:23.680 --> 02:10:29.159 All right, So listen, rebuilding a title or rebuilt title, 2392 02:10:29.239 --> 02:10:30.159 is that difficult to do? 2393 02:10:30.520 --> 02:10:33.840 Yes, Wait a minute, It doesn't mean you have to 2394 02:10:33.880 --> 02:10:36.159 rebuild it. It just means that now now needs to 2395 02:10:36.239 --> 02:10:38.760 be inspected by the state police exactly. 2396 02:10:40.159 --> 02:10:43.079 Okay, So you you apply for it through. 2397 02:10:43.000 --> 02:10:49.399 The state police, okay, and then they inspect it and 2398 02:10:49.520 --> 02:10:51.439 then issue a brand new ven number. 2399 02:10:54.039 --> 02:11:00.279 Oh okay, but listen, I want to talk practicality, Yeah, 2400 02:11:01.119 --> 02:11:01.399 I want. 2401 02:11:01.520 --> 02:11:06.159 I want to talk practicality to you. This car, you 2402 02:11:06.319 --> 02:11:11.720 pay ten grand, that's your basis. Insurance is going to 2403 02:11:11.800 --> 02:11:14.600 cost on that about fifteen hundred to eighteen hundred bucks. 2404 02:11:16.680 --> 02:11:21.800 So you are paying twenty five percent almost of the 2405 02:11:21.920 --> 02:11:24.039 value of that car to ensure it. 2406 02:11:24.600 --> 02:11:27.680 Why not just uninsured? Just not have it insured. What 2407 02:11:27.840 --> 02:11:29.399 does the most going to happen if you lose the 2408 02:11:29.439 --> 02:11:32.520 whole thing? It's ten grand. I mean, I know it's 2409 02:11:32.560 --> 02:11:34.239 worth more to you in your heart, but you only 2410 02:11:34.319 --> 02:11:36.000 pay ten grand for it, no matter how you look 2411 02:11:36.039 --> 02:11:40.199 at it. And what I'm saying to you is just 2412 02:11:40.359 --> 02:11:43.399 drive it. I mean, you're already in it cheap. If 2413 02:11:43.439 --> 02:11:45.920 you have to put a couple grand for a wreck 2414 02:11:46.319 --> 02:11:49.760 into it, you do it yourself directly. You'll you'll get 2415 02:11:49.800 --> 02:11:52.319 a deal with a body shop anyway, and you're not 2416 02:11:52.439 --> 02:11:54.720 dealing with insurance. Why would you want to go through 2417 02:11:54.760 --> 02:11:58.800 the headache of a re of a rebuilt title with 2418 02:11:58.920 --> 02:12:01.720 a brand new ven number and then fighting with insurance 2419 02:12:01.760 --> 02:12:03.640 on how much you're gonna get if you are wrecked. 2420 02:12:03.880 --> 02:12:06.239 Because if you're thinking you're gonna get what it was worth. 2421 02:12:06.319 --> 02:12:08.960 You're not even even with a rebuilt title. 2422 02:12:09.000 --> 02:12:11.880 Brian. It's not gonna get less, it's not gonna. 2423 02:12:11.640 --> 02:12:15.840 Bring no unless you have documentation of the repairs bringing 2424 02:12:15.880 --> 02:12:18.439 the value back up. In other words, you've done all 2425 02:12:18.520 --> 02:12:22.479 the work necessary to make it a vehicle that now 2426 02:12:22.760 --> 02:12:25.399 has an insurance value. But to do that, you're spending 2427 02:12:25.600 --> 02:12:27.279 Brian money rebuilding it. 2428 02:12:27.680 --> 02:12:31.119 I know, and Brian, I've known people who did the 2429 02:12:31.319 --> 02:12:35.439 I Car standards for splits and cars and clips and 2430 02:12:35.560 --> 02:12:36.479 all of that that they do. 2431 02:12:37.159 --> 02:12:41.800 They built it with the top top integrity and skill. 2432 02:12:42.520 --> 02:12:46.039 They got a rebranded excuse me, they got a rebuilt 2433 02:12:46.359 --> 02:12:50.119 certificate with a new ven number, and they still could 2434 02:12:50.319 --> 02:12:55.319 never get the insurance value of a comparable car without 2435 02:12:55.399 --> 02:12:56.279 that never. 2436 02:12:56.720 --> 02:13:00.159 Yeah, yeah, And it's to your point, your you're going 2437 02:13:00.239 --> 02:13:03.199 to always be in a battle situation showing documentation of 2438 02:13:03.319 --> 02:13:04.920 what you spend here to be able to get the 2439 02:13:05.039 --> 02:13:07.000 value that you think you should deserve out of it. 2440 02:13:07.560 --> 02:13:09.119 But I guess my point. 2441 02:13:09.199 --> 02:13:10.920 And if you don't even drive it that much, you 2442 02:13:10.960 --> 02:13:14.119 even said Keven said he doesn't drive it that much, 2443 02:13:14.520 --> 02:13:16.279 all the more reason don't ensure it. 2444 02:13:16.800 --> 02:13:19.359 As long as you have liability, you're covered if you. 2445 02:13:19.439 --> 02:13:23.640 Hurt someone, But if you get wrecked, hey man, that's 2446 02:13:23.680 --> 02:13:30.399 the breaks, that's the smart money. That's It does make 2447 02:13:30.479 --> 02:13:34.079 sense because of your basis being so low you're arguing 2448 02:13:34.199 --> 02:13:34.720 for something. 2449 02:13:35.079 --> 02:13:37.760 If you're thinking, oh, this thing is worth fifty sixty grand, 2450 02:13:39.199 --> 02:13:42.560 you're never going to see that, never once. 2451 02:13:42.680 --> 02:13:43.039 Brandon. 2452 02:13:43.560 --> 02:13:49.399 Yeah, thanks for calling. Three h three seven one three 2453 02:13:49.479 --> 02:13:52.319 talks seven one three eight two five five. Brian, again, 2454 02:13:52.359 --> 02:13:55.960 we appreciate that very much. This always comes up when 2455 02:13:56.000 --> 02:13:58.560 it comes to the value of what you're ensuring. Just 2456 02:13:58.640 --> 02:14:01.800 because you spent a certain amount on something doesn't mean 2457 02:14:01.840 --> 02:14:05.439 you can insure it for that. And that goes for projects, 2458 02:14:05.520 --> 02:14:08.560 hot rods, antique stuff, boats, whatever. 2459 02:14:09.880 --> 02:14:12.279 You can't necessarily ensure it for what you have in it. 2460 02:14:12.880 --> 02:14:16.840 There are stated value policies, and I don't know if 2461 02:14:16.840 --> 02:14:17.680 Brian is still there. 2462 02:14:17.760 --> 02:14:19.119 Is he he is? 2463 02:14:20.960 --> 02:14:26.439 Brian, explain what a stated value policy is and when 2464 02:14:26.520 --> 02:14:28.279 you cannot use it and when you can use it. 2465 02:14:29.039 --> 02:14:31.439 And it's not the phrase you want to use for 2466 02:14:31.560 --> 02:14:34.319 what you're talking about. Stated value is not what's the 2467 02:14:34.359 --> 02:14:36.079 phrase agreed? 2468 02:14:36.319 --> 02:14:37.600 What do you want is what you want? 2469 02:14:38.079 --> 02:14:41.520 So stated value is stating a value for what what 2470 02:14:41.720 --> 02:14:44.560 you say your car is worth or whatever it is 2471 02:14:44.600 --> 02:14:48.239 that you're stating, and the insurance policy will only pay 2472 02:14:48.359 --> 02:14:52.880 that value or actual cash value, whichever is less. That's 2473 02:14:52.920 --> 02:14:56.960 what stated value is. Agreed value is whenever you come 2474 02:14:57.159 --> 02:15:00.479 and you have the value agreed upon with the insurance 2475 02:15:00.560 --> 02:15:03.560 company and they agree to pay that value in the 2476 02:15:03.640 --> 02:15:05.239 case of a loss. And that's what you see with 2477 02:15:05.399 --> 02:15:08.439 classic vehicles like you were referring to. But they they 2478 02:15:08.439 --> 02:15:12.239 will usually require documentation in order to come to that agreement. 2479 02:15:12.279 --> 02:15:14.840 If it's above what they see as the value, then 2480 02:15:14.880 --> 02:15:18.279 you have to have an appraisal done you and then 2481 02:15:18.479 --> 02:15:20.119 you come to that value together. 2482 02:15:22.479 --> 02:15:22.800 Okay. 2483 02:15:22.960 --> 02:15:29.520 So a greed value versus stated value yep. Okay, And 2484 02:15:29.640 --> 02:15:33.159 what you want is stated value. I know should be 2485 02:15:33.239 --> 02:15:35.520 a grade value agreed yep. 2486 02:15:36.319 --> 02:15:39.239 Stated because if you do a stated value, you can 2487 02:15:39.319 --> 02:15:42.199 say it's worth fifty grand, they'll say, okay, fine, but 2488 02:15:42.319 --> 02:15:44.399 they're only going to pay you ACV. 2489 02:15:44.960 --> 02:15:48.840 Exactly exactly, so you're paying for the And the only 2490 02:15:48.880 --> 02:15:51.680 reason you ever use stated valuing you have to sometimes 2491 02:15:52.239 --> 02:15:55.119 is for let's say like an RV, because they don't 2492 02:15:55.239 --> 02:15:58.800 have the technology where you put a vent in and 2493 02:15:58.920 --> 02:16:01.359 it comes up with the value for the rating. It's 2494 02:16:01.399 --> 02:16:04.239 for a rating purpose. It says, Okay, your purchase price 2495 02:16:04.279 --> 02:16:07.000 on this was what it's one hundred thousand dollars. Okay, Well, 2496 02:16:07.039 --> 02:16:09.640 one hundred thousand dollars goes in the stated value, but 2497 02:16:09.760 --> 02:16:12.199 if the time of loss, it's not in a greed 2498 02:16:12.319 --> 02:16:16.319 value policy. It's actual cash value. But they're rating it 2499 02:16:16.479 --> 02:16:18.319 off the value of one hundred thousand because that's what 2500 02:16:18.399 --> 02:16:19.000 you paid for it. 2501 02:16:20.600 --> 02:16:22.760 I got it, I got it. We got more coming up. 2502 02:16:22.800 --> 02:16:30.399 On the Troubleshooter Show. Hey, I'm Tom Martine. 2503 02:16:30.479 --> 02:16:33.799 We were talking about branded titles and how you're never 2504 02:16:33.920 --> 02:16:36.239 going to get the same value from a branded title 2505 02:16:36.399 --> 02:16:39.559 car then you will from one that did not have a. 2506 02:16:39.639 --> 02:16:43.719 Brand or did not get totaled by insurance. Jay, you 2507 02:16:43.920 --> 02:16:46.239 have something to talk about with that in regard to 2508 02:16:46.319 --> 02:16:47.120 branded titles. 2509 02:16:48.840 --> 02:16:53.639 Hey, Tom, Hey, the number is a VN number is 2510 02:16:53.959 --> 02:16:57.840 like your your car's DNA never changes, no matter what 2511 02:16:58.719 --> 02:17:02.239 the status of the title can change, but you'll never 2512 02:17:02.280 --> 02:17:03.280 get a different viin number. 2513 02:17:04.959 --> 02:17:10.799 Well, Jay, I personally personally was with a guy who 2514 02:17:10.920 --> 02:17:13.399 did a clip and you got a brand new VEN number. 2515 02:17:13.920 --> 02:17:16.159 I don't now this will mind you. This was ten 2516 02:17:16.280 --> 02:17:20.799 years ago. Yeah, No, he was literally issued a brand 2517 02:17:20.799 --> 02:17:21.520 new VEN number. 2518 02:17:22.840 --> 02:17:25.920 The reason they don't ever do that, and they're not 2519 02:17:26.360 --> 02:17:30.239 really supposed to, is because that title gets followed through 2520 02:17:30.280 --> 02:17:34.440 that vehicle's life. Very often what people will do is 2521 02:17:34.520 --> 02:17:37.760 they'll take something like that and they'll figure out some 2522 02:17:37.920 --> 02:17:40.399 way to get around it, which they're not supposed to 2523 02:17:40.479 --> 02:17:43.440 do because it has a terrible history that you are 2524 02:17:43.520 --> 02:17:46.319 not supposed to ever get a new VT number. That 2525 02:17:46.559 --> 02:17:48.360 is the DNA of that car, it's where it's been, 2526 02:17:48.479 --> 02:17:53.639 its law enforcement, it's insurance, it's the ownership, it's everything 2527 02:17:53.799 --> 02:17:54.319 to that car. 2528 02:17:57.600 --> 02:18:03.520 Well, I true mean this. We did a story one 2529 02:18:03.600 --> 02:18:07.239 time on clip. We did a story one time on 2530 02:18:07.360 --> 02:18:11.479 Channel four about clips people who put salvage cars together. 2531 02:18:11.280 --> 02:18:15.200 Front half back half and how most of them were 2532 02:18:15.280 --> 02:18:19.200 not using what's called I car standards, And we made 2533 02:18:19.239 --> 02:18:21.159 the argument that there are a lot of cars out 2534 02:18:21.200 --> 02:18:25.200 there that are running around very dangerous. They get into 2535 02:18:25.239 --> 02:18:29.200 an accident, they'll fly into pieces. They won't crumble like 2536 02:18:29.840 --> 02:18:32.120 they're meant to crumble with the unibody. 2537 02:18:32.920 --> 02:18:35.159 This was a whole story we did well. 2538 02:18:35.760 --> 02:18:39.319 During that process, we accompanied a guy who rebuilt the 2539 02:18:39.399 --> 02:18:43.399 car by ICAR standards, had it inspected by state police 2540 02:18:44.200 --> 02:18:45.760 and was issued a new VEN number. 2541 02:18:47.639 --> 02:18:53.760 That probably wouldn't happen today because they're much more careful 2542 02:18:53.840 --> 02:18:56.399 of stuff like that nowadays. Back in the day, I 2543 02:18:56.440 --> 02:19:00.639 could call call DMV with somebody's license plate now and 2544 02:19:00.719 --> 02:19:04.120 get their home address. But that stuff's kind of gone. 2545 02:19:04.360 --> 02:19:05.760 Those days are mostly gone. 2546 02:19:07.120 --> 02:19:11.079 Listen, here's what they said. If the VIN number is 2547 02:19:11.200 --> 02:19:15.639 legible and intact, they will not reissue. This keeps the 2548 02:19:15.719 --> 02:19:20.040 vehicle the original VIN. It's marked rebuilt or reconstructed after 2549 02:19:20.159 --> 02:19:28.559 passing inspection. If the VIN is altered, missing, destroyed, or 2550 02:19:28.639 --> 02:19:30.319 there are two VIN numbers. 2551 02:19:30.920 --> 02:19:33.600 They will issue a new one. So you see, I 2552 02:19:33.799 --> 02:19:36.879 was dealing with clips which would have been two VEN numbers. 2553 02:19:37.840 --> 02:19:41.760 Yeah, that's a whole lot saying plus plus you have 2554 02:19:41.879 --> 02:19:44.799 to be certified with a lot of things nowadays. Where 2555 02:19:44.840 --> 02:19:46.760 I had a friend, he worked at a Toyota shop, 2556 02:19:46.799 --> 02:19:49.639 so he'd buy Toyota's and do that. He did a 2557 02:19:49.680 --> 02:19:51.879 really nice job. He's very honest about a bit. 2558 02:19:52.399 --> 02:19:54.479 Well, you know, some of these rebuilt cars are just 2559 02:19:54.600 --> 02:19:56.040 like just like new. 2560 02:19:57.280 --> 02:19:59.719 Yeah, there are times when they're as good as any 2561 02:20:00.159 --> 02:20:02.840 ever and sometimes even better. Because like the way he 2562 02:20:03.000 --> 02:20:05.760 did it was was the perfection. It was amazing. 2563 02:20:06.440 --> 02:20:07.440 Well, we gotta we gotta go. 2564 02:20:07.680 --> 02:20:11.920 Thank you very much, guys three zero three Martino for help, information, referrals, 2565 02:20:12.280 --> 02:20:14.440 Save all your problems for me