The Troubleshooter 4-4-24

Episode Transcript

(00:00):
Yeah, ripped up. You needadvice, so you don't have come running.
Just as fast as we can.Shoot is gonna help? Come man
Dix is the Troubleshooter Show. No, Tom Martine, Hello Tom Martine here,

(00:28):
welcome three all three seven one threetalk seven one three eight two five
five. By the way, uh, you'll stand in my wide shot here.
I just turned. Oh well,no, I'm not up yet.
We're streaming, but we are onlineand we're streaming our audio. And George
is with me from fixed at twentyfour to seven, A longtime friend.
I think I knew him since hewas four. Anyway, I joke about

(00:49):
that. I don't even know howold you are anymore. You know that,
George. But I know when Imet you you were you were back
then even an electrician. Were youa master electrician back then? Were you
back in when you were really youwere in your twenties right? Yeah?
When I first met you, Iwasn't a master yet, but I became
a master as young as you canat twenty three. Yeah, yo,
yeah, And then when I metyou, and then you took that company

(01:10):
to New Heights with your in laws, and then you also went with the
the the private equity company that tookit over, and then you learned the
business from them, and you wentinto moved to California. You came back
years ago here and just built agreat company with fixes. So anyway,
I want to talk to you abouta couple of things today, not just

(01:32):
getting getting before the rush. God, you know what I warned people like
the other night, I warned peopleabout moving companies because we're getting into the
moving season. People will be rippedoff every year we hear from them.
I just put up a video onLinkedIn, Instagram and YouTube just warning people.
And now I'm gonna warn people aboutAC. They're gonna wait right up

(01:53):
until it gets ninety and then they'regonna call you and you're gonna be so
slammed. And I tell people,do it now? Do Why do people
wait? Well as human nature,but don't wait. You would save money.
You don't have pressure if there issomething wrong and if if you get

(02:15):
it cleaned and check now. Thethirty nine dollars special for new customers is
unbelievable because what that is is almostan assured increase in efficiency and extending the
life of your AC. Now youdo it for your furnace, do it
for your ac. You should doit now again, but don't wait.

(02:37):
But they're not going to be ableto go out for thirty nine bucks when
they're slammed. So fix myhome dotCom seven two zero five two six thirty
nine thirty nine? Did I leaveanything out quickly? And then I'll go
to the phones. When you sayassured, we literally guarantee your system won't
break down this season. Yeah,and you should do your AC and furnace
right now after winter because you useyour furnace for your aces. Sure you

(02:58):
can do both. It's the besttime of the year action. So would
that be thirty nine bucks each?Then yep? Okay, And you don't
understand what a deal this is.They spent two and a half hours at
my house and it wasn't because itwas my house. Honest to god,
they did that and people call meand say, God, it's amazing anyway,
So let's fix myhome dot Com.I want to mention something else,

(03:19):
like the moving companies the scam.Just check out that video please on our
YouTube channel. Troubleshooter Network is reallyworth it. And I'm going to go
right to the phones now. Thetruck off your stuff and say, uh,
you always more money. It's morethan that. First the deposit that
goes nowhere. Then the other guycomes to pick it up. He charged
you more. Then they hold ahostage to deliver it, and they charge
you more. So you pay threetimes. And honest to God, we

(03:40):
hear it every single time. Nowlet's talk about let's talk to John.
John has a problem. And Igot to find your original call. John.
What are you calling about? Yeah, John, what's happening? Yeah?
I was. It was a followup from that call I think I
made two weeks ago regarding the uh, the dog that had died. Oh

(04:04):
yeah, who handled that for Didwe have somebody handle that for you?
No? I basically talked to youand Mark on the phone, and then
the doctor came on and he kindof reiterated basically at the barri en versus
the you know, using the Xray. So, oh, I think
Mark must have handled that call becauseI don't recall it, but maybe I

(04:25):
did. But anyway, what happenedyou did? Well, it was the
thing where my dog had an obstructionand it was diagnosed on this Oh,
deputy, when you said the doccame out, not the vet but the
deputy Doc mentioned that, yeah,when you okay, and there was an
obstruction in the in the intestines,they did not pick up on right,

(04:46):
and then I drove him back downthe next day at half looked at it
again and and he was dead whenyou got to the car to pick him
up right. Yes, exactly.That was terrible. So you had recommended,
like you asked all the people thatyou talked to, what do you
want? And I said, well, I wanted to have some information passed
out there that before you don't getin that position. Check out your vet.
See if he's capable of treating thatparticular illness. I guess you might

(05:10):
say or ailment. But wasn't thisalmost like an emergency? Oh well yeah,
well, I mean that morning,that Tuesday morning, he was throwing
up and they they gave him anX ray and they didn't use barium,
which would stop at the bariam wouldhave showed an obstruction, but they may
not have suspected it. The otherthing. I so, yeah, And

(05:32):
Doc mentioned that what you wanted toknow is that malpractice is not and what
I said was this, no matterwhat, what you have to prove,
even with a dog, malpractice isthat it was beyond that, it was
beneath the standard of care. Buteven if you prove that again, I'm
going to ask the question. Ialways ask what are the damages? Now,

(05:54):
this is a full terrier. Iremember three years old, right right?
Was this dog? Did this doghave stud potential? Oh? Yeah,
yeah, he was a grand championhe was. Is that a Spuds
Mackenzie dog Bull terriers? Exactly?Exactly? And in fact, I'll bet
you when you're in public, becausewe did it the other day. You
see the dog and the first thingpeople say is ah, Spuds Mackenzie.

(06:18):
Yeah, Target, black sheep Squadron. Oh that's right, Target. I
forgot about Target. Yeah, theyhad the white I had. This guy
was a Brenda long White and justthe sweetest. I talk to Challenge.
She was very sweet. The thingis that I talked to my co owner
and she said, John, takeyour lumps. Basically asked the doctor for

(06:40):
the repayment. I think that's whatyou suggested to was just if you can
get your money back on the treatmentand on the cremation. So I sent
a letter and I said, ifyou refund my my fees that I paid
for that season. And Wednesday Isaid, I will consider the matter ended
at this point, and she wroteme a nice letter back and he said,
you can have your Yeah, we'llrefund your your treatment. So the

(07:03):
reason I called, I said,with six hundred eighty one dollars, and
I said, you can add thatto your tally because you know you're the
one that reinforced that idea. That. Hey, John, that's very nice
of him to do that. Imean, because I don't know. I
still the jury still out as towhether that was misdiagnosis or not. I

(07:23):
mean it was a misdiagnosis. I'msorry, whether it was reckless or not.
No. Yeah, I talked tomy main that he was out and
he was doing a judging it inAustralia, and we talked about this whole
system, this whole this whole thingthat happened. And he also said,
yeah, they should have done this, and he said there were better options

(07:45):
out there, so he should havetaked to an emergency. That they should
have not treated him and mistreated him. So okay, well, you know
what, it's easy to look backand say that I don't know enough to
say it, but I'm really happythis happened for you. Thank you for
calling three or three seven to oneto three talk. Now, you don't
hold the record for spending on vetbills. George does for everybody. Because

(08:05):
George has bulldogs and I don't knowif you guys remember I had him on
his puppies and now he has three. He had two and little babies and
they grew up, and then hegot another one and now he's got three.
Aren't they riddled with health problems asa breed? Yeah? Generally speaking,
yeah, they are, aren't they? I mean as a breed,
we've had five and we've only hadone that had health issues. But oh

(08:28):
ours actually was a misdiagnosis that endedup leading to his death. So no,
no on a misdiagnosis. I mean, are there vets that specialize in
certain dogs? I mean that arethere dogs? Are there people known for
bulldogs? Are there people I wonderI wouldn't say bulldogs specifically. I mean
there's probably people that are better withthem than others. This particular vet in

(08:50):
California though I didn't we didn't doour diligence, but if you look at
reviews, I mean, yeah,this guy's very intentional about what he does.
It's not I mean it's reckless.Wow, definitely reckless. Yeah,
it's it's it's a really So didyou ever go after him? No?
I didn't. I mean, trustme, my family wants me to just
the emotion. How long ago wasthat that he actually died just over a

(09:11):
year ago? Here a year anda half ago, and it was from
what you feel a misdiagnosed. Weactually have one hundred percent that. Wow.
Anyway, people have real problems withtheir animals, and the problem,
the real problem we always find isthe limitation of damages. Now, there
was an exception to that that wefound. I usually used to tell people

(09:37):
you don't get anything but the costof the dog. Now, obviously the
cost of the dog could be,you know, expensive, if it's a
bulldog or some kind of standard poodleor a really a good breed, that's
expensive, right, It could bea few grand, but you're never going
to get what you think you shouldget. However, there there was a

(10:00):
case where a woman had a mongrelbasically I call him Heinz fifty seven,
just a dog, nothing special underbut it was a little dog like a
Yorki or someone else. It wasunderneath her table when she came home,
it was dead. The housekeepers letit out by mistake and it got hit
by a car. It came strugglinghome and they placed it underneath the dining

(10:26):
room table and it died there.Now we were shocked by this case,
but the owner got pain and sufferingagainst the cleaning company, not just the
cost of that dog. It wasan older dog, because of the suffering
that went on and what this personhad to go through, because they could
have easily called the vet. Nowit may not have saved the life,

(10:48):
but for that dog to go underthat table and suffer, and for the
owner to contemplate that it was trulyegregious. Angie has an issue where a
refrigerator will go to right after thebreak and then Deputy Chopper wants to weigh
in on a couple problems he's beenhandling. Whatever's on your mind. If
you have any questions, you cantext this as well on HVAC three oh

(11:09):
three seven one three TOM three ohthree seven one three eight two five five.
By the way, waterpros dot net, you know how I feel about
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(11:31):
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(11:52):
you're his only customer when you chooseFrank durand the real estate Man dot com
to list your home with Remax Alliancethree oh three nine two Zerol sixteen twenty
two. Hi Tom Martino, yourtroubleshooter three oh three seven one three Talk
three oh three seven one three eighttwo five five one. Clear Choice Garage

(12:16):
Doors for all your garage door needsto remember that all of their prices are
on the website for everything they do. That's how proud they are, That's
how wonderful they are. Twenty fourto seven. Service for Emergencies one clear
Choice dot Com. Joe Caiano's withus. He's a certified financial planner.
In fact, he trains financial planners. They have actually a school where they

(12:41):
train people how to do things.And he also of course, is putting
on a movie for us coming upin a few nights. It's on the
ninth, and it'll be about theretirement dilemma. And what I want to
talk about is, uh, Joeis not a big fan of the stock
market. I should mention this forretirement because people always text me saying,

(13:09):
how dare he? The S andP is doing great and over a forty
year period it's outpaced inflation. Blahblah blah. Now listen, it's true
that over the long term things canwork out. But for us, the
long term isn't the last one hundredyears of the stock market or forty or

(13:33):
fifty for us. Most of ushave, most of us when it comes
to retirement. That is because veryseldom the people start at earth. But
what they have is a horizon ofmaybe thirty years to forty forty on the
outside, but thirty and what we'resaying, and most people, Joe,
you probably figured what they've only beenplanning for twenty Maybe here's the point.

(13:58):
Here's the point. It's not thatthe stock market won't perform. It will,
But you see, if you don'tcatch the window, if you picture
the stock market up and down,and up and down and up and down,
way way way down, way wayway up, way way way down.
You know when you picture all kindsof peaks and troughs, recessions,

(14:20):
recoveries when you can, if youdon't capture the right window, you would
be on the downside and can't makeit up before retirement. Now some people
can, some people can't. Sohe likes taking the mystery out of it
with these fixed annuities which just don'ttie themselves to the stock market, and
they basically guarantee income and guarantee certainresults. But what this movie's gonna do,

(14:46):
Joe, if you had to sumup the movie without getting into a
lot of detail, because I wantthem to call to find out about it
on the ninth What is it about? Does it show real case histories?
Oh? Absolutely, Tom, Youknow that is the main theme of the
movie. It's a real family thatyou was ready for retirement and they chose

(15:11):
to basically give up their pension,which is a guaranteed income for life,
and put the money into a fouroh one k. So when they got
ready to retire, the market wasdown and they could not retire. That
is the theme of the movie.And you have government officials talken about this.
It's a dilemma and the fact thatthe title of the movie is the

(15:33):
baby boomer dilemma. We're all facingfear at this point as to whether or
not we're going to have enough moneyto retire, or whether the money that
we have saved for retirement is goingto be there when we do retire or
last as long as we will.That is a fear that most people have.
So I if I had to summarizethe movie Tom Who, would be

(15:56):
two words guarantees, guarantees and security, And that's what people want to they
I agree with you. The stockmarket has done well in the past,
but it doesn't mean that it isgoing to continue to do us well in
the future. Nobody has a crystalball these ways. Well, even if
it does, as I said there, it's never ever gone up and never

(16:21):
down. So it's this window youhave to catch, and that's a gamble.
That's like catching the roulette wheel.I'm not saying it won't work.
I'm saying that unless you have thehorizon to absorb the losses and recover,
you need something well. And there'snothing wrong with some private funds being in
the stock market. And then youmake that part of your portfolio, but

(16:42):
certainly not for retirement. And anyway, anyway, we'll talk more about that.
But I want to go to thephones because Bennett has some questions here
real quick, Bennett, go ahead, Bennett, Yeah, Tom, I'll
say, yeah, two questions,Go ahead, sir. I took my

(17:04):
dog into the vet because he waskind of choking. We thought maybe he
had something stuck in him. Theydid an X ray and they spent maybe
a total of fifteen minutes with him, and our bill was nine hundred bucks.
You know, this is the olddilemma. In fact, I'll venture

(17:25):
to say this is a dilemma thatpeople have all the time. I'll bet
you that companies, home services companieslike fix At twenty four to seven has
this dilemma, and that is this, no matter what they do and what
benefit a homeowners gets, they comparethe price to the time spent. Isn't

(17:45):
that true, George? Don't youfind that true? One hundred percent time
is value. Yeah, but itis true though. Also, and I'm
not saying you do this because Imean I've not seen you rush through anything,
but you guys, did my furnace. You didn't take a long time,
and it is perfect and it's anew furnace. Right. So the
point is it's not always fair.Time is not always an indicator of value,

(18:10):
not always. Now, with cleaningthe furnace, it is. No
one can clean the furnace in fifteenminutes, no one. I don't care
what you do, right, allright? So when is time value?
When is it not? It's whenit depends on what's accomplished, right,
your perceptions, your reality. Soif a guy was there x amount of
time and even if you're not sureexactly what he did, and charges you

(18:33):
eight hundred dollars, even if he'sthere, quick replace the part, fixed
your system whatever, one thousand dollars. You know, you come home and
you don't feel there, and youfind out he was only there, right,
you know, thirty minutes and onethousand dollars, even though you might
not know you weren't there. Butthat's all you know that the part might
have cost the company five hundred bucks. I know. So here's what I

(18:55):
want to know, Bennett. Whatdid they do for that time? They
did? They drew blood and theyalso took an X ray. Okay,
X rays and blood, but theentire time spent was how long? Fifteen?
Tom, I would say maybe anhour and a half at tops.
Oh I thought you I thought yousaid a few minutes in the beginning.

(19:17):
No, no, no, likeyou said, they had the dog for
like fifteen minutes of that hour anda half and we were holding him until
they came home with the results.Oh okay, but what was the hour
and a half that the diagnostics andeverything right, just waiting, that's correct,
Tom, okay, okay, Butthe actual dog was in their possession
for fifteen minutes for the blood andthe X rays approximately, that's right.

(19:41):
And then they gave you a consultation. And what did you find out from
the blood and the x ray?Well, they said the dog is healthy
and they're not sure why he waschoking, but he may have had something
in his stomach and he regurgitated iton the way to the hospital. And
what else? Anything else? No, that was it, tom? Okay.

(20:03):
And the bill was a total ofnine Yeah, it sounds steep to
me. But x rays. Youknow, first you got the doctor,
you got the x rays, yougot the blood work. I mean,
I know for people, blood workshouldn't be more than three hundred bucks.
I mean, so for a normalblood work. Uh. And so let's

(20:25):
say three hundred, and then Xrays three or four hundred. So now
we're up to let's say seven hundred. Now you're at seven hundred, and
you know they're a couple hundred forthe doctor. I mean, I don't
know for the visit. I again, Bennett, it's something that really people
always think about afterwards. But wereyou asking if you have any recourse?

(20:48):
Because my answer would be no,no, no, Tom, I'm not.
I just want to know if Igot taken advantage of well, who
knows? Who knows? Bennett?That I really don't. Honest to God,
I don't know. Just like whenpeople call me about HVAC companies or
plumbers or electricians or auto mechanics,we don't know, based only on time.
Again, it depends on I don'tknow. So anyway, what is

(21:12):
your trust fund issue? The onlyquestion I have on that, Tom,
I've got a trust that send myson and daughter in law's name. Now
is it your trust? My trust? Uh? Huh? And you put
money or homes or property in itfor your kids? That is correct?
Is it revocable or non revocable?Non revocable? Okay, so what's your

(21:36):
question. My question is when Ipass away, would he assume the same
house payment I have now or not? Okay, the trust is a person.
When you transferred the house to thetrust and the mortgage they accepted it,

(21:56):
your payments are due from the trustto the mortgage company when you die,
and the trustees shall take it over. There's a due on death clause
or due on sale clause in mostmortgages. However, most of the time,
if a trust inherits the house alongwith the loan, they will let

(22:19):
it go. But they don't haveto, just so you know. It
depends on how your mortgage is written. Sometimes they can exercise a due on
sale, and in fact, toget an absolute answer, you can listen.
You don't have to hang. I'mgoing to ask one of our attorneys,

(22:40):
either Kielan Park they're a state planningattorneys, or we'll talk to Dan
McKenzie. So hold on, buton that. Normally the house is in
the trust name and the bank willlet it ride, but not probably for
the entire duration of the loan,because I don't know how your trust is

(23:02):
written, but usually the trust iswritten just to get past death. Then
the trustee takes the home out ofthe trust and gives it to the intended
heir. Is that what's going tohappen? I believe so well, you
should know, since it's your trustbeen and you should find out because the
only time you leave stuff in atrust for after you die for the rest

(23:26):
of your heirs lives. The onlyreason you do that is you don't trust
your heirs, or they are specialneeds and or you don't trust them they're
gambling or drug addiction, or they'rejust stupid. So what you do is
the trust has terms and conditions theyhave to live by over the next twenty
or thirty years. That's but almostnever does that apply to a house.

(23:49):
That usually just applies to cash andstocks and investments. So again, a
lot has to do with the termsof the trust and the terms of your
mortgage. But I can ask ourattorney what generally goes on? Hang on
three oh three, seven to oneto three talks seven one, three,
eight, two five five. Gota lot going on here. One of

(24:11):
the things I want to tell youabout is part of that is to get
a market analysis. If you're home, if you are thinking about selling it,
and you get that free of charge. Now it's not an appraisal.
It's actually more important in my opinion, it's what your house will sell for.
Frank puts us thirty years of knowledgeto work to consider all the factors.
Frank durand the real estate man dotcom to give you figure, no

(24:33):
obligation ever to list three oh threenine to zero sixteen twenty two. Go
with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay
a cent until you're content. Timefor an insurance check up free, no
obligation. In comparison, call CompassInsurance paying too much your coverage at dozens

(24:57):
of insurance companies find out now threeall three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate Man
dot com to list your home withRemax Alliance three all three nine two zero
sixteen twenty two. Tom Martino Here, by the way, in the last

(25:22):
Tesla update, they did a selfdriving a trial for everyone. What do
they call it market it's but it'susually an add on. But during the
update, like my son called meand said, Dad, I updated my
car last night. Now I havefull self driving mode. Did you buy
that for me? I said,hell no, and I'm not going to
And I said, you better makesure you didn't click it and buy it

(25:45):
because it's like a fifteen thousand here'sthe deal man, in all honesty,
if you buy it with the car. I don't know how much it is
on the Model three, but theone I have it was it was like
fifteen grand. But you can spend. And this is a good question.
Would you pay a one hundred andninety nine bucks a month for that service?
I'm probably gonna do it. I'mgoing to go through my thirty days.

(26:07):
But it's incredible. Man. Now, Vonnie says, it stops at
traffic lights, makes turns, usesturn signals, passes cars. It navigates
to wherever you're going to wherever you'regoing. Now, if you put in
it something, it doesn't do marklike I said, stop signs. Does
it stop at a stop sign?My god, yes, it doesn't.

(26:29):
Even it doesn't mess around either.You know what's funny. When you're coming
out, Let's say you're coming outonto like Parker Road from a side street,
a busy road with lights and stuff. It actually comes to a full
stop at a stop sign, andthen it's almost like a human looking both
ways. It creeps up a littleand then creeps up a little more,
and it's reading cars from what seemsto be one hundred yards in every direction,

(26:53):
and then makes the turn. It'sit's okay, it's great. What
about this. I'm wondering a fourway stop up because I'm gonna tell you,
it knows, it knows, itknows who went last, and it's
turn in line. I don't thinkit. I know it does, but
that's not the problem. Most otherpeople don't know. And that's what pisses
me off about four way stops.I can't tell you how many freaking times

(27:17):
I go to a stop tressel assoon and that won't happen. Oh my
god. I go up to astop sign and it's pretty clear I was
there first, pretty damn clear,and they just flash and beep and think
I have a nicer car. Idon't know what the hell they're thinking,
but they go right through. It'sprobably in the other So the self driving,

(27:38):
though real quick in a in asituation like that, or even pulling
out onto a busy road, it'sa little too safe that I don't want
to Yeah, I know, Iknow, especially like you said, stopping
to a full stop. Some peopleget pissed off when you do that.
Yeah, but you won't get aticket. I mean really, I know
that. I know I'm saying.But those four way stops people, by

(28:00):
the way, what happens. Thisis something no one knows and I know,
but they don't know. When youcome up exactly at the same time
or so close, you can't tellwho goes first. Do you know who
goes first? No matter where youare, who goes first? If you
come up at the same time,well, you should always go after the
person on the left, right oron the person to the right has priority.

(28:22):
Yeah. So if you pull upand someone opposite you come in the
opposite direction pulls up, who's onthe right side, that's the one,
and it technically goes it goes counterclockwisealmost time I forget there at the same
time. I mean, that's alittle crazy. And by the way,
it wouldn't matter if you're not turning. But it's weird. It's so weird

(28:44):
when when you come to four waystops. That's why I like those uh
what do they call them? Theround things? This is truly though it's
a game change roundabouts. I've neverseen anything like it. You know,
people are sorry for the way in, Gee, what's going on with your
refrigerator? Let me guess it's aSamsung. It's not a sam Sung at

(29:07):
the Ken actually yeah, Ken Moore, Yeah, that's a dinosaur. How
old is it? Well, it'sonly when it cropped out. It was
sixteen months old. Oh my god, eighteen months old. Well on New
Year's weekends? Okay, so whathappened? So it just stopped keeping food

(29:30):
cold on New Year's obviously it wasa you know, a holiday weekend.
So the day after New Year's,on the second, I submitted a claim
because we purchased it in September oftwenty two. I also it was under
how many of year warranty is it? It was still under I purchased an
extended warranty for it. So itstopped working. It stopped working in twenty

(29:55):
three, but you had an extendedwarranty. Yeah, it stopped working twenty
four. Oh in twenty four.Oh yeah, you just said that,
that's right, just a few monthsago. So what happened then? So
I untacted the warranty company, whothen opened up a claim. Evidently Ken
Moore has been bought out a coupleof different times by different because Sears is

(30:19):
the you know, you know,yeah, they were I've learned a lot
about refrigerators. So between the warrantycompany and the company that was contracted to
come and do the actual repairs,evidently it's really hard to get parts for
this refrigerator. Yeah. So theproblem is the communication piece though, between

(30:42):
all of the parts. So there'sme, there's the warranty company, there's
the right, there's the owners,the owners and they and the suppliers.
I want to know something though,other than this problem you had, is
it? Did you like the refrigerator? It's pretty nice if it would work
properly? Is it laid out nice? Inside? It is? Okay?

(31:06):
So where does it stand today?Did they ever fix it? No?
So where it stands today is onlast Friday? And how long has it
been came out? How long hasit been down? Total? Oh?
Since since New Year's I have nothad a working refrigerator at all. It
was okay, so when you saidthis year, okay, so it was

(31:27):
New Year's since. So here's whatI want to know. What the hell
is going on with food? Whatare you doing about it? Well,
this is the problem. So wehave a cooler outside which was working a
little bit better in the winter months. Now that it's getting warmer, it's
really twicky. It's hard to keepthe food cold. It's hard to So
why aren't they fixing it? Arethey still claiming they have a problem with

(31:49):
parts? Well they so they cameout last Friday for the gagilion's time and
said they don't know. They didreplace the part that was hard to find
and hard to get it. That'swhy you know it's been So is it
fixed now? Is it fixed?No? Nope, it's why fix why?
And they said that it's not Theydon't know why. But now it's

(32:09):
to the point where they should begetting me some kind of reimbursement, but
no one is communicating with me.So I can't get anybody on the phone
from the warranty company. The repaircompany is what does the warranty say?
What does the warranty say? Hasthat if it's not repairable then a replacement

(32:31):
will be given. Either replacement orthe cost of the refrigerator will be provided.
It's time to sue them. Yeah, that's right, Yeah, you'll
get a new one. Yeah,I'll get a new one, but then
it's probably going to cost me moremoney. And no, no, we're
talking about small claims court. Howmuch did that cost you the refrigerator?

(32:52):
Yeah, we spent like twelve hundreddollars. You know what, that's a
small claim. Now it might be. I mean, I'm not saying we're
not just gonna say go do that, but I would start the process,
find the registered agent blah blah blah, and not the warranty company. I
would sue the uh maker. Buthere's what I want to do, Okay,

(33:13):
I want go with a sure thingDenver's Best roofer Excel Roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance checkup
free, no obligation. In comparison, call Compass Insurance paying too much your
coverage at dozens of insurance companies findout now three all three seven seven to

(33:36):
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three all three
nine two zero sixteen twenty two.Hi Tom Mars, you know here?
Three oh three seven one three talksseven one three eight two five five.
And she has a problem with arefrigerator. Let's give it to uh Deputy

(33:58):
Dollar and let's figure out what wecan do. We'll call over there and
basically pressure him to do the replacement. So go to uh is did Mark
hang up? Mark hung up?Okay, if he didn't, we'll take
him next, Deputy Chopper. I'msorry Ed didn't get to you. I

(34:19):
will get to you right after thebreak here three O three seven one three
talks seven one three eight two fivefive. We also have my Moneymway dot
com in the house. We havea couple of questions for him and for
fix at twenty four to seven,So stay tuned. I'm a troubleshooter show
go with a sure thing Denver's bestroofer Excel Roofing dot com. You don't

(34:44):
pay a cent until you're content.Time for an insurance check up free,
no obligation. In comparison, callCompass Insurance paying too much your coverage at
dozens of insurance companies find out nowthree all three seven seven to one.
He you'll think you're his only customerwhen you choose Frank durand the Real estate
Man dot com to list your homewith Remax Alliance three all three nine two

(35:07):
zero sixteen twenty two. Yeah,ripped up new need. That's so you
don't have you come running just asfast as we can. Shooter's gonna help

(35:28):
come. This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino
here three all three seven one threetalk seven one three eight two five five.
Welcome to the show. Denver Regiondot com. Somebody asked what I
meant by the sugar diabetes, andhere's what I mean, Regen. They

(35:50):
have the same drug, the compoundedform of semiglue tide that use for diabetes,
but they use it for weight lossjust like everyone's doing. Are a
lot of people are doing. Andthey offer it for two to fifty a
month. Here's what I want totell you that too fifty a month being
offered is can also be used fordiabetes. So you can save money if
you're a diabetic even and you're payingfor that or cope or whatever, because

(36:15):
the cope on twelve or fifteen hundredcould be a lot of money. Denverregen
dot com for weight loss or diabetes. Now I want to talk to Mark.
He has a question on Tesla's Mark, welcome to the show. What's
going on? Actually I have twoquestions not related at all of it.

(36:36):
I wanted to ask about them.Tesla's how do they react to cones like
traffic cones? We did it yesterday, man. In fact, I did
a video I'm gonna post yesterday.So in castle Rock right now, if
you head from Castle Rock to Franktown, the amount of the amount of cones
is crazy. And the reason isthey bill to McDonald's error at whatever that
intersection found yes spotters in eighty six. Man, there's no road lines.

(37:00):
It's all cones. It's like Vietnam. Man, it's crazy. It's crazy.
It's like Thunderdomb. The car justwent right through it. It sees
all the cones, it sees theworkers, it sees other cars. It's
incredible. It doesn't automatically slow youdown. Oh it'll slow you down.
Hell yeah, it'll slow you downif it sees a deer. People that

(37:20):
don't have a Tesla and or don'tlive out in the country. When we're
going into our house, deer everywhere. It shows you deer, it shows
you humans. It knows what itis. It knows if it's an animal
or a person, or a truckor a semi It knows everything, what
kind of cone it is, whatkind of sign it is, like a
yield or a merge or a stopsign. It's smarter than most people,

(37:44):
to be quite honest. The reasonI was asking is, I'm going to
put a cone on the back ofmy trailer I'm a truck or and try
to keep them from passing me becauseI wanted to hit the brake. So
what they always do is run aroundme and then get in front of me
and slow down. Yeah, that'sjerky move. I get it. Man.
Here's a good news, though,Bro, here's the good news.

(38:06):
If someone like that's on autopilot,that car won't do it. Man,
that car will respect the road.Like I said, more than most humans.
Mark, that's amazing. Did yousay you had another issue or was
that it? I just wanted toknow what what would you guys do with
this billion dollar lottery? How wouldyou take it cash or payoff? I

(38:29):
would well, if you take itin cash, of course, no matter
how you take it, you're gonnapay taxes. Cash is way better.
Everybody is analyzis just with normal,decent, average investing, you'll make more
off of roughly that fifty percent ofthat cash value. That's the right.
If you take fifty percent. Now, if it is fifty it'll be a

(38:49):
little work. But wait, wait, don't go away, my friend.
Why do you ask? I meana little less than fifty percent on taxes?
Mark? I wonder if he wonthe line. I mean, there
wasn't. But anyway you could youcould conservatively invest that and never well you
wouldn't even most people could just drawit down. I mean, I'm not

(39:10):
even suggesting you do that, butyou could and the but but you could
easily have such an easy time makingmoney on that when you have that amount
of money. Okay, So speakingof money, Joe, somebody wants to
know if they roll over alumsum froma qualified plan to an annuity, is

(39:30):
there a taxable event. No.If it's coming from a qualified account into
an annuity, the annuity has tobecome a qualified annuity. So that qualifies
for a tax free rollover. It'scalled a ten thirty five tax free rollover.

(39:51):
Once they do that. Once it'srolled over and they do that,
of course it grows tax free.But they all grow tax free, whether
they're qualified or not. But whenthey start taking the income out. It's
always taxable, whether qualified or not. It is. It is a list
of qualified account what's the wrath?It's right if I understand that, that's
another good point. What it meansanother good Normally it will be a percentage

(40:16):
of the growth of the annuity thatwould be taxable as an income stream.
Okay, thank you very much,and that's my money, myway dot com.
The movie is coming up on theninth. There. There is limited
seating. You have to get yourreservation and will what's going on with you?

(40:36):
Will? So I've been using RockHeating and Air for about five years.
Been happy with their service. Wehave to maintain our all of our
HVA system of our home. Theycome twice a year. They look for
things that might be broken. Soyou're part of their Like you're part of
these consumer clubs that a lot ofthese companies do. Right. Yeah,

(41:00):
it's like fifteen bucks a month.Yeah, yeah, I'm part of the
seven plan. So and they come, they come several times for each system,
they come once for each system.But anyway, tell me what's going
on with Rock. So about amonth ago, I was getting ready to
go out of town on one evening, our sink backed up and sink and

(41:23):
I took apart the pea trap,couldn't get it unclogged. My dream snake
was in my shop about forty fiveminutes away. I'm getting on an airplane
at five am. I said,wife, just call Rock Heating and Air.
They'll come tomorrow morning. So dothey do plumbing too? Then they
do, Okay, go ahead.What happened? So they show up.

(41:45):
They call me, Yeah, it'sclogged. We're going to snak the drain.
I said, fine, go aheadand snake it. My wife calls
me an hour later, says,yeah, everything's working. They put the
pea trap back together, sink straining, and they charged me six hundred dollars
for that. Okay, and younow how clogged was it? How clogged

(42:07):
was it? I mean it definitelywasn't draining. And I know that they
manage it. You know your standard, because there are some companies that offer
specials like Plumbline, for example,will say ninety three or free. They
always say that meaning if they can'tclear it, it's free, and then
they give you a diagnosis. Andmost likely, if they can't clear it,

(42:30):
it's something more expensive and they giveyou a bit on getting it fixed,
George, how do you guys handleit that fixed at twenty four to
seven? Because now you have yourown drain division as well? Right hold
there you go, Yeah we do. So what do you do with a
clogged drain? I mean do youdo you buy a service charge and an
estimate? Or how do you doit? Yeah? Same way? I
mean I don't know what was wrongthere? I mean, did they tell

(42:52):
you what the issue was? Wasit just a standard clear? I mean
that should have been six hundred bucks? Now what was it? It was?
It was twenty two feet they estimatedfrom the sink where they could access,
so they ran a snake twenty twofeet in unclogged, you know,

(43:14):
pull the snake back up. Howlong? How long were they at the
house? I'm curious, Well,Tom, that doesn't matter. Remember,
it doesn't matter how long. No, I'm asking though, out of curiosity.
How long were they there? Iwant to save forty five minutes?
And what? And another thing?When they did they do a camera as
well? No? No camera?Well, you know I'm telling you the

(43:39):
truth here. Plumbline would have donethat for ninety three bucks. So I
mean, you you make up yourmind. I don't know, but but
I'm not saying ninety three you have. Here's what And let me just be
honest about all this marketing. Whywould plumbline want to do that? Because
if your drain doesn't get clear,they say to you, by the way,
it's free because we couldn't clear it. But that means you have a

(44:00):
serious problem. So what are theyhoping for? Obviously they are hoping to
get drain replacements. I mean,you know there's no secret there. They're
not making money on that clearing forninety three bucks. So George, I
don't know how you guys handled.Do you have any specials for clearing drains
or camera work or anything. Yeah, I mean we do the same thing.
We do it for eighty nine.Now with that said, I don't

(44:23):
know the issues of it. Youknow, the same with plubline. If
they if you can't clear it,it's not right there for ninety three or
eighty nine, then you give thema choice, which I assume. Yeah,
I'm gonna assume Rock said hey,like it's going to be six hundred
dollars to clear it before they actuallycharged you six hundred bucks, or they

(44:43):
do that afterward? Did they giveyou an estimate on that before they did
it. I see, I don'tknow, because I'm assuming they did.
I'm assuming they said, look,this is how much it's going to be.
It just seemed excessive, and wespent it. Well, okay in
my opinion based on the market,because there is no excess. Well there
is, there is excessive. Butwhat I'm saying is for that drain,

(45:07):
it could be anywhere from like thespecials for eighty nine all the way up
to seven or eight hundred, ninehundred dollars like your thousand. I mean,
it depends. Really, they reallycan charge what they want. I
mean, it just tells you thatyou have to do your shopping. If
we were part of Georgia's program andhe came out and cleared a drain like

(45:28):
that, now let me ask himabout that. The Green Bubble Club.
You don't automatically camera drains every year, right, that's not part of the
regular service, right. No,But if they remember, we would have
cameraed that. But here's the thing. If it was twenty two feet away,
you can't clear it yourself. Ittakes expensive equipment to clear it.
It does for any company. Ifyou have an idea what it would cost

(45:49):
if you went out and did that, it would probably be four to five
hundred, so it probably wouldn't besix hundred. But you know, it's
not that far off. And twentytwo feet off. I mean, okay,
I always wanted to know that ifthey were just way over? Would
anybody else know? You know,listen, And here's another thing. And
I do feel for George and forBob Logan over at Plumbline and George,
here it fix it, and forall these good companies. And I'll tell

(46:13):
you why nothing is cheap anymore.For God's sakes, nothing is cheap what
they have to pay just to keeplabor and trucks on the road. You
know that, man? I mean, But the point is this, whenever
there's a special you take advantage ofit. But like I said, this
particular case, did you get rippedoff? No? Did you get an

(46:36):
extra good bargain? No? Imean you might want to investigate other kinds
of loyalty clubs and stuff. Doyou, for example, do they come
out and do anything with your waterheater, or with your electrical panel or
with like do you get full serviceon each system? Now, they primarily
focus on the furnace and the airconditioner. And to be fair, I

(47:00):
own my own service company, butwe do aquariums and I'm a pretty talented
plumber, so I don't have themdo You're right, but but it doesn't
matter if you're paying every month,if you're paying every month to be part
of a loyalty club, you shouldget the most you can get. Now,
George, what were you gonna say? Well, I was gonna ask
on the furnace and air conditioner?Do do you do you see them?

(47:21):
Do they actually take it apart theblower motor out, actually clean it like
it looks basically like once a year? Once a year, do they come
and clean it? Oh? Yeah, they they spend a solid hour to
try to find stuff to fix,right, that's yeah, that's what everybody.
No, No, I'm not talkingabout that. That's what everybody does.
Do they service it once a year? Yes? Well, most people

(47:45):
want to find stuff to fix,not actually clean it. Now, what
about and cleaning is important? Bywhen we say cleaning, we're not just
talking about a vacuum in the box. Okay, do they flush your water
heater? No? Because I dothat. So why are you parked?
May I ask? Why you're botheringto be part of a loyalty club because

(48:05):
you're not getting anything? Yeah,because I don't know anything about EACHDAC and
I don't know. Yeah, butyou can get Okay, then then it's
cheaper for you to have a onetime service, come out once a year,
then pay every single month. Idon't even get it. I don't
get it. It's only fifteen bucksa month though, Okay, do the

(48:28):
math, do the math, andand so so. Tell me what you're
getting for fifteen bucks a month?What are you getting? Well, what
are you actually getting for one hundredand eighty bucks? What are you getting?
If we came out once a yearand you weren't a member, we
would charge you one thirty nine todo what we do. Our normal price
is actually, if you're not afirst time client like i'd be, if

(48:51):
we'd do it for thirty nine thefirst time. But then even if you
weren't a member, we would doit for one thirty nine a year,
but we would actually clean it andguarantee your system wind break down this monell.
What I'm saying is the summer.What I'm saying is is all they're
doing is cleaning and checking your furnaceonce a year, and I doubt they're
cleaning it. But if they do, you can get that for one hundred
and thirty nine dollars. So muchso you're paying a little more one hundred

(49:13):
and eighty one hundred and eighty something. But what are you getting in addition
to that? I just don't seethe math. But it's okay. I
mean, you called and we answeredyour question. Three o three seven to
one three talks seven one three eighttwo five five more coming right up.
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance check up free,

(49:39):
no obligation. In comparison, callCompass Insurance paying too much your coverage at
dozens of insurance companies find out nowthree oh three seven to seven to one
help. You'll think you're his onlycustomer when you choose Frank durand the real
estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. Hey, I'm Tom Martino. You're troubleshooter.

(50:04):
Three oh three seven one three Talksseven one three eight two five to five.
I got my moneymway dot com inthe house Joe Piano. He's promoting
the movie event on the ninth,which will be the baby Boomer Dilemma.
It's a docudrama and by the way, it's all true and it's not a
sales job. It'll teach you alot about retirement. Find out more of
my Money myway dot com. JRhas a question for him now. In

(50:28):
addition to fixed index annuities that guaranteeincome for life and guarantee certain returns during
your life and all of that neverto lose a dime, he also does
this something called become the banker,where you overfund life insurance that takes minimal
investment and can grow quickly tax free. It also can be used in retirement.

(50:50):
If you borrow money from it,the life insurance proceeds pay it back,
so in essence, it's tax freeincome. And JR has a question
about that. JR. Okay,So I have altered to colitis which could
lead the cancer. So I can'tget life insurance because I'm a possible for

(51:10):
cancer person. How would how wouldyou work with that? Were you turned
down for life insurance before JR?I have been turned down plenty of time.
My wife also had an issue withcancer at one time, and she
gets turned down. So Joe,what do you do if people want to
do become the banker overfunding life insuranceand they can't get life insurance? Well

(51:32):
you Tom, you know in JR. I really feel for you, you
know I have. I really havehad a lot of clients that had cancer
basically but there were cancer free forat least seven years and that and the
life insurance company can actually uh ensurethem. Well he's never had cancer,
Jr. So you've never had neverhad cancer, right, But it's alcor

(51:57):
of colitis which could lead the cancer. Right. Well, you know the
only way that actually we can findout is by you making an application to
the life insurance company. Let themunderwrite you, look at your medical history,
and they can offer you the policy, or they may decline you.
Joe, You never know. Dothey ever cut people off not just because

(52:20):
of health but age? Could someoneninety years old get a life insurance policy
or forget about it? No,Okay, that may be too old eighty
found Jr. I mean, Joe, I have a question. Do they
ever require physical they do most ofthe time they do require medical examinations,
the company will pay for that.And is it from the waist up or

(52:42):
is it just a cursory one oris it in depth? Is it's actually
they ask a lot of medical questionsabout their their health and also their medicine
that they may be taking. They'llthey'll weigh them, they take the blood
pressure, and they do your analysisand a blood warm. But you also
agree to give the medical records.Right, well, yeah, you signed

(53:02):
off hip hop for him, allright, jay R. Thank you.
By the way, just a quickcomment here. I once made the mistake
of applying for disability insurance. Idon't know why I did. It was
many many years ago. In myopinion, disability insurance is a rip off.
But I don't want to get intothat. You mean something like aflack.
No, it was full. Itwas disability. If you couldn't do

(53:23):
your job, If you couldn't doyour job, you got so much a
month tax free period. It was. It's true disability. Joe probably knows
about it. Anyway, A womancomes to my house to do this exam
right, chest up or excuse me, waste up and questions, and I
swear to God, this is atrue story. We were there five or
six minutes and she's asked me questionsand I'm answering. Then she starts folding

(53:46):
up and says, you know what, I'm not I'm not going to be
treated like this. She walked down. No, if Donna wasn't there listening,
I would have thought, you knowwhat, maybe I did some wrong
and I didn't. She was justlike expecting me to like blow up like
I do on the air. MaybeI have no idea. She was like
shaking and I didn't. You know, that's just a funny story. Now,

(54:08):
Tim, you have a comment onthe show. What's your comment?
Go ahead. My comment is,every day you kind of beat it into
our heads who you guys use onyour referral list. You praise a lot
of people, and I would think, and I would do this if I

(54:29):
lived in the Denver area, isto use the referral list for everything across
the board. But you get somany people calling in wanting them to know
you want you to jump on theirside when Nick still and that's it.
I know. No, No,listen, Tim, that happens all the
time. And I'm going to tellyou something about the show. You may

(54:50):
or may not know. Of course, ninety five percent of my callers are
not listeners. They become listeners,but they're not listeners. They find doubt
from listeners, or from friends oflisteners, or just because I've been here
for forty five years, call Martino. You know, when I first came
here, I remember my job interviewat Channel four and Roger Ogden said,

(55:13):
Hey, what is your goal?And I said, my goal is this
that when somebody has a consumer problem, they think of me and they say,
you know what, I'm gonna callTom Martino and that's what they do.
But they don't necessarily listen. Nowthe people I mean this sincerely,
and I think my YouTube morons willeven agree, even though they like joking

(55:34):
with us. I'll bet you theydon't get ripped off. I'll bet you
they don't because they listen. Theyare My listeners are so fricking hipped to
everything going on. I'll bet youthey seldom get ripped off. So when
you hear all these people calling yourthinking, God, Martino, why aren't
they listening? Because they're not listening, Chopper, just give me one of

(55:58):
these problems. I'll take the nextone. After the break of v lele
Hoe Terraces apartments. Who was thatconsumer's first name? That's that's what I
go by. Yeah, it's Tasha. It was the she was complaining about.
Got it she lives in that apartment. She said, there's an infestation
of bed bugs, cockroaches, andmice. That's correct, But she didn't

(56:23):
tell us one simple thing, Tom, that she had been under a court
order to leave, and that's whatshe was actually complaining about. I can't
interfere with the court order. Butwait, hey, so she already she
already went through eviction, Yes,the process and was supposed to leave on

(56:44):
March thirty first, Okay, that'sthat. Okay, So a little good
would it do to help her withbedbugs? Went, So she's got to
be out of there. Well,I don't know if she was telling us
the truth. I reached out tomy friends at the Sheriff's department. They
have no order to go evictor,and I called the manager and the manager

(57:09):
hid under almost like the hippolaw,wouldn't tell me anything. Okay, did
she tell you that? Then?He said, setn't there? Yes,
that the sheriff was going to comeget her. And the manager was not
a nice person. I don't knowif it's already the point though, that's
crazy. I mean, it's notlike all this went down when she called

(57:31):
bad day. If she's to thepoint where the sheriff's going to show up,
it's been months, Yeah, butthe sheriff says they don't have an
eviction order, and the manager's basicallywho knows. But there's not much you
can do about it. Let's talkto you coming back. We got more
coming up three oh three seven onthree talks seven on three eight two five
five. Ideal home Loans Still doinghome loans with the interest rate guarantee,

(57:51):
the only ones that have it.So if the rates go down and you
get refinanced free of charge three ohthree eight sixty seven seven thousand, go
with a sure thing Denver's Best RooferExcel Roofing dot com. You don't pay
a cent until you're content. Timefor an insurance check up free, no

(58:13):
obligation comparison call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three oh three sevenseven to one help. You'll think you're
his only customer When you choose Frankdurand the real estate man dot com to
list your home with Remax Alliance threeoh three nine two zero sixteen twenty two.

(58:37):
Hi Tom Martino, your troubleshooter threeO three seven one three talk seven
one three eight two five five chopper? What about this auto warranty? Who
are we working with on there?What was the person's name? The first
name is Samantha some I don't rememberthat one. Okay, go ahead and
tell me about it. Uh.First of all, I want to say,

(58:59):
please listen, Tom and mark outof warranties and applying to warranties are
worthless now? Yeah, on usedcars, that's for sure. A used
car warranty is worth us, that'sright. And extended warranties on a new
car, on a new car andused Because extended warranties on a new car
can run concurrent with the factory warranty, you get nothing extra. You should

(59:22):
add it on after With a usedcar, you should never get one.
What happened with her? Okay?This one? It was a twenty fourteen
cheap Wrangler, right, you gotit one hundred and twenty nine thousand miles
right, And they took it toLarry Miller. The problem is United Care.

(59:47):
I read their warranty. They don'thave to do anything about new parts
or any parts. They can replaceit with used parts. But my notes
say they did cover the repair.They did not. When it got down
to the very end and I triedto reach out, why would they wait?
Wait? Wait? Why would theynot pay anything? At Chopper?

(01:00:14):
They wouldn't return my calls United carCare, so I couldn't get through to
them. And I got to saythis about Larry Miller. Gee. I
called them five times, tom leavingvoicemails because I thought they could give me
some help on getting this taking care. Not once did they call back in

(01:00:37):
the five times that I left voicemail. So she ended up paying nearly four
grand on her own. It's worsethan that. She ended up paying sixty
seven hundred. What. Well,yeah, I don't understand. But let

(01:00:58):
me ask you something. Let meask you something. Okay, she got
it fixed. Pay sixty seven hundred. Why did the warranty not cover the
repair? You could never find thatout because they didn't return a call.
That's direct. I could not findthat out and I could not get any
help. Well, she needs tosue them in small claims court. Listen,
if the warranty covers the transmission,she needs to sue them. I

(01:01:22):
mean, did Larry Miller try tocontact them for coverage? They have talked
to Larry Miller, but all LarryMiller wanted was the sixty seven hundred so
they could get their car out ofthere. No, I get that part,
and Larry Miller did not. LarryMiller did nothing wrong. They repaired
a car. No, Larry Millerwould not, would they. Larry Miller

(01:01:47):
would love to be paid by thewarranty company. What I want to know
from them is why weren't they paidby the warranty company? What the hell
good is United a car care?I mean unless unless they don't cover transmissions.
I mean, was that an exclusion? Not according to the policy.
It just said they could give youa used one, but they didn't.

(01:02:08):
Well, okay, and did shedid let me ask you this? Then
I might have we might have thismixed up. I'm trying to understand this.
Did they possibly say say to Samantha, we'll cover this, but you're
only going to get a used transmission, and then she decided to do more.

(01:02:32):
No, as the car got therelonger, they found more things and
United Care didn't talk to her either. They were trying to use the dealership
to be the goal between and sofar you've not been able to talk to
anyone at the dealer or anyone atthe warranty company. And that is correct,

(01:02:54):
Tom, Who did you call it? United? You have the number
for United I think people need tocall them. I mean really, I
mean you know this this BS aboutnot returning calls. I mean, come
on, we're trying to help oneof their customers. I'll have to get

(01:03:15):
I have three numbers, but Idon't. I'm afraid they're Samanthas. I'll
get I'll test you or the number. Yeah, I'd like to because I'd
like to put people on this.This is bull crap. I mean truly,
sixty seven hundred much of that probablyshould have been covered by the warranty.
She needs to sue them in smallclaims court. Would you tell her

(01:03:37):
that please? Plus we'll still workon it. This is BS man we
got I mean, you know,I know used car warranties are useless,
but man, they should pay something. Three h three seven one three eight
two five five. God. Iget pissed off when people are so bad.
By the way, Grossman Wellness ClinicGrossmanwellness dot com. It's a concierge

(01:04:04):
medicine that means you have a doctoron call. You do, text them,
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(01:04:25):
part of it, I'll never change. And for two hundred and forty nine
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(01:04:47):
a cent until you're content. Timefor an insurance check up free, no
obligation. In comparison, call CompassInsurance paying too much your coverage had dozens
of insurance companies find out now threeall three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the Real estate Man

(01:05:08):
dot com to list your home withRemax Alliance three all three nine two zero
sixteen twenty two rz Hey I'm TomMartinez, your troubleshooter three all three seven
one three talks seven one three eighttwo five five. Okay, man,
we're having a lot of good discussionsright now. And you know, I

(01:05:30):
haven't heard in a while about Kirby, But man, I'll tell you what
Kirby vacuums. What a hell ofa job they do with the sales end.
Of course, the vacuum is nomore than a vacuum, but they're
amazing. Do you know why Idid the math one time, and for
what they sold this one woman witha Kirby, I calculated she could have

(01:05:53):
bought a new vacuum every two yearsand and and brand new and every two
years for like twelve so many years. Yeah, but what the vacuum have
been is good. I mean really, that's what it comes down to,
right, Okay, Okay, doyou know what Kirby is used to sell
for? Do you know what theyused to sell for? Do you know
what this woman paid years ago?Do you know what she paid for it,

(01:06:15):
years and years ago? Four grandfor a vacuum? Yeah? Yeah,
Yeah, they come into your houseand I don't know what the hell
they better come with a call.I think they do some voodoo and a
dance and a little hypnotism. Becausepeople used to pay that much. I
don't know what they're paying now,Vic, go ahead tell us your story,
VIC comment listeners, Hey, Vic, what did you buy a Kirby?

(01:06:39):
First? I want to know that, Yes I did. What did
you do? When did you buyit? And what did you pay for
it? I just want to startthere. Okay, I buy it February
first for sixteen twenty three, onetho six and twenty three. Okay,
Now that is crazy in itself,but it's not four grand. So that's

(01:07:01):
good. You bought a Kirby andwhat to Now? Tell your story?
And you bought it? When didyou say? You bought it in February?
Yeah? I bought it February first, which was Friday night. That
came a week prior. Okay,got it and I said, yeah,
come in. They said we'll doa free carpet wash. And so anyway,
does this Kirby? Does this Kirbydo shampooing as well as vacuuming.

(01:07:30):
Yes, we bought the whole Webought the whole system. Hey, when
they know demo did did they cleanlike one room or the whole house or
what in the demo they cleaned thestairs. Okay, did it look good?
Yeah? I sure did. Okay, And by the way, let
me just ask you this, arethose Kirby still made of steel? Well?

(01:07:56):
It looks like a titanium something really, you know, you know,
newer materials from what they were describingto us, and and so you know
we were impressed. So tell mewhat are you calling about? Bro?
Well then you know, we talkedabout it, and the next day my

(01:08:16):
wife tried it and she was like, well, you know, it kind
of activated my art, right,I don't think I want it. What
do you mean activated her art?Right? It's too heavy, Yeah,
became too heavy. She when sheused it, she used it without this
attachment, and when we were usingit, we didn't take that attachment off.

(01:08:39):
And she says, well I can't. You know, it didn't seem
like it was gonna do what sheneeded. And so it reminds me.
It reminds me of when I goto these fairs and I see these people
with these Ginzu knives and these blendersand these welders and and all of this
crap, and I'm thinking, ah, man, I want to buy that,

(01:09:00):
or they have these special things thatcut tomatoes and make them like works
of art. So I take thisthing home, and my god, it's
like, you can't do it.You can't do anything you just saw now.
I don't know if that's like theKirby he showed you how it cleaned
and you couldn't do it. Butlet's figure it out. Hang on,
hang on, and we'll come rightback to you and figure out what we

(01:09:23):
can do about this. Sixteen hundredbucks is a lot of money for a
vacuum, that's for sure. I'mTom Martine. Go with a sure thing

(01:09:43):
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much yourcoverage at dozens of insurance companies.
Find out out now three all threeseven seven to one. Help. You'll
think you're his only customer when youchoose Frank durand the Real estate Man dot

(01:10:05):
com to list your home with RemaxAlliance three all three nine two zero sixteen
twenty two. Yeah, rip madNews. You need advice so you don't
have you come running as as acam shooter's gonna help come man. This

(01:10:31):
is the Troubleshooter Show. No TomMartino, Hi, Tom Martino here,
Welcome to the show. Three ohthree seven month three talk seven three eight
two five five. This hour broughtto you by my moneymway dot com.
A movie event coming up on theninth of this month, and it will

(01:10:54):
be about retirement and what to fearand what to do to prepare. It's
not a job, I promise you, and we'll be talking about it.
So what I'd like you to dois make a note of that seven o'clock
April ninth amc Southlands, that's rightoff of four seventy and it's really a

(01:11:15):
cool theater. How many people showedup last time we went out there at
about one sixty five that's one seventy. This time the theater's smaller though,
so you better sign up now.Yeah, we had a good time.
So anyway, Joe anything, Joe, you wanted to make a observation of
the S and P five hundred.That's a that is an index of the

(01:11:39):
stock market using five hundred stocks,and then you compared it to what well
do the fixed index annuity that wepromote to all. And the chart that
I sent you, how far doesthat chart go back? It goes from
the year two thousand to twenty twentythree, okay, and that means what

(01:12:03):
the chart will tell you is thatthe fixed index annuity did the same the
same as the SMP five hundred.And people, consumers who had a fixed
index annuity had nothing to worry about. They had no fear of losing money,
and they didn't put up with thevolatility of the stock market. And

(01:12:26):
they have guarantees, guarantees that we'vebeen talking about for years, a guaranteed
income for life, long term carebenefits. They have a bonus to begin
with. It is a phenomenal products. They fixed index annuity. That's what
we've been talking about. And Ijust got this chart yesterday and I'm going
to send that to you, andjust wow, it just amazed me look

(01:12:49):
at it. I mean it's justfrom twenty two from the year two thousand
to twenty twenty three, the fixedindex annuity did did the same as d
S and P five hundred. Now, how good is that? With no
fear? This isn't actual this isactual data. It's actual data, all

(01:13:11):
right, Now, thank you?And that's my money, myway dot com
to find out about the movie.Yeah, and Vic wants to talk about
and Tom, can I ask youone more thing real quickly before I leave.
It's actually, you know, themovie is going to be at the
South Lond Theater and there's plenty parkingon the rear of the theater, so
people have to go to the rearof the theater to park. There's plenty

(01:13:32):
parking, and we suggest that peopleshould get there by six forty five.
The movie will be getting at seveno'clock sharp. Okay, thank you appreciate
that, Joe. Vic. Let'sgo back to you about your Kirby.
You bought the whole system. Youbought the whole system February first. You

(01:13:54):
paid sixteen hundred bucks. Your wifedidn't like it so much because it was
a little hard on her. Right, basically right, it worked, it
worked as represented or not? Well, it worked as represented. It sure
did. But you know, youknow, the salesman said, you know,
you have three days test it out. If you don't like it,

(01:14:15):
let us know and you could return. Yeah. Well, the three days
is called their three day right torescind in an in home sale. Was
that stated on the contract. Yes, sure was okay, did you contact
them within the three days? Idid. We contacted him that Saturday,
which is February second, and wesend an email letting them know with the

(01:14:41):
model number and what good wanting todo? We let the voicemail and then
we did get a hold of thesales manager Cody Yes, and told them
we're going to return it. Andhe said, okay, let's uh.
I can't do it today, butwe could schedule it and I'll pick it
up on February eight. And Isaid, okay, great, make sure

(01:15:02):
you bring our vacuum. So onFebruary eighth, with wait, wait,
they took your vacuum. Yeah,we you know, they said, we
will give you two hundred dollars forit off the cost of the vacuum.
Yeah, that's all invisible. Theydon't have your vacuum probably no, no,
they returned it. Oh the good. And when he came back on

(01:15:26):
the eighth to pick up the vacuumbecause he was going to be in our
area during that time, he broughtback our vacuum and he took the vacuum
and he signed, oh good.So so wait wait so they did okay,
so where's the story going. Itsounds like they did what they were
supposed to do. Everything was goingright, except he said it was gonna

(01:15:49):
it was going to take a fewdays for the return to our credit card
to come in. He said,by February twenty second, you should have
your money back into your account.Wait a minute, you don't have your
money yet. He never returned it. Tom. So, now you have
no vacuum man, no money,no vacuum and no money and uh and

(01:16:11):
no conversation with him. He doesn'treturn our call. Let's call this deadbeat?
Yeah, yeah, And so wegot a hold of Kirby, the
parent company out of Ohio, andthey've been trying to mediate him to pay
us back for a couple of weeks, two or three weeks now, and
he seems to come up with differentexcuses and doesn't hit the deadline and does

(01:16:32):
it' Hey, let's get this guy'sphone number, Kelly. Let's give him
a call and see if he wantsto come on and expand what is this
guy's name? This is crooked crap. What's his name? His name is
Cody? Cody? What I thinkit's Stingler? This is this sounds like

(01:16:53):
a sleeves brigade to me that Kirby'seven trying to push this guy. It's
crazy. He's us keeping the wholedeal. Man. How much commission do
you think he makes off of asixteen hundred dollars vacuum? I have no
idea. Oh no, I don'tthink so. No. I think he
makes about four or five. Youknow, I hope this guy didn't go

(01:17:16):
buy a cheap shark and slap aKirby sticker on it. I'm wondering why
he won't give your why he won'tgive this back. Well, he doesn't
want to give up to commission man. Okay, I'm writing this down.
We're gonna call him hold on threeoh three seven one three talk seven one

(01:17:39):
three eight two five five. Iwant to call him right from the show
and ask him to come on andexplain why he's not returning money. And
then I want to give out hisnumber if he doesn't come on, And
I want to find out what thehell's going on with this company, if
anyone else has had a problem withthis Cody at Kirby, Kobe Kurdy,

(01:17:59):
Cody Kirby, let me know,Cody Kirby, Cody Kirsea it three times
real quick, Okay, anyway,yeah, dick, Yeah, I was
gonna say in the contract it's hisk r Z Systems and he's he's a
sales manager or the owner. Okay, yeah, that's his company. Probably

(01:18:23):
maybe not, but who knows krZ Systems. Okay, yeah, k
r Z okay systems, all right, probably credit card. Uh that's what
the credit card investigator said. Waita minute, you paid by credit card?
Yeah, we'll get your money backperiod. They got a contestant,

(01:18:45):
it's done done well, we didcontest it. But they they they didn't.
They didn't. They didn't find anyany I guess they closed the case.
Wait, wait a minute, whatyou have a credit card? You
rescinded the deal within three days,you return the product, they need to

(01:19:09):
reverse the charge. That's what wethink. But under their investigation, they
said didn't have sufficient evidence or paperwork. Who is the issuer? Did you
give them? Did you submit informationto them? Did they even ask?
I think they left you off.Who is this? Who's your credit card?

(01:19:30):
Person you've been doing? I mean, what credit card do you have?
I think it's a master card?Who's the issuer? Sam's Sam's Now,
come on, man, they gotto reverse that charge. You got
to dispute it again. Tell them, did you tell them you returned it?

(01:19:51):
We did, yes, And thatas a matter of fact, Tom
today earlier back around this morning,round ten, we did. We asked
them, why did you guys closethe case? They told us, so
we reopened it and to rescind thepaperwork again. Good good, And so

(01:20:12):
we're working at from all angles.And here's what i want you to tell
them. Listen carefully, I wantVick, here's what I want you to
tell him. If they do notremove the charge, because you did everything
you were supposed to do. Youabided by the contract, you had a
three day right to rescind. Theypicked it up, they gave you back
yours. You need. You're goingto file a complaint with a consumer finance

(01:20:39):
protection bureau. You tell them thatyou should file it anyhow and tell them
it now the consumer Yeah, afinance protection bureau I'm going to give I'm
going to find that for you.I'm telling you these people, man,
they need to it's it's I'm gonnashell you how to get to it.

(01:21:01):
It's consumer Finance dot Gov. Puta complaint in on the top right corner.
There's a link Consumer Finance dot gov. This sucks. I'm Tom Martinez
three all three seven one three talk. Don't forget now before the heat comes.
Fix at twenty four to seven.Go to this website arranged to have

(01:21:24):
them come out for thirty nine bucksfor the extreme clean of your ac.
The only people that really do it, honest to god, when people say
they're gonna check your furnace, theyshine a flashlight in it, look for
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(01:21:45):
and guarantee no breakdown, that's fixmihomedot com for thirty nine bucks for new
customers only. Go ahead. We'reactually get a new twenty one inur system
if they call today. Okay,so today today is twenty one dollars.
My god. That's it. That'sand you can do both furnace and there're
gonna share. It's the best timeof the year to do both. You
need your furnace when you do sofor forty two bucks, you do both

(01:22:08):
and get it all done. Listen, man, fixmihome dot com. Go
with a sure thing Denver's best rooferExcel roofing dot com. You don't pay
a cent until you're content. Pleatime for an insurance check up free,

(01:22:30):
no obligation. Comparison call Compass Insurancepaying too much your coverage at dozens of
insurance companies. Find out now threeoh three seven to seven to one help.
You'll think you're his only customer whenyou choose Frank Durand the real estate
Man dot com to list your homewith Remax Alliance three oh three nine two
zero sixteen twenty two. Hello top, Tom Martine, I'm here at three

(01:22:54):
oh three seven one three dogs sevenone three eight two five five. Welcome
to the show. Whe're here tohelp you solve your problems, to answer
your questions, take your complaints now. Randy said he has a he called
last week. I'm gonna go backto him on a Honda Ridge Line.
Randy, is there something new ordid we leave it hanging? I got

(01:23:16):
to figure this out, Randy,Well, you know I about the hunter
A ridge line have AC problems.They were going to charge you six hundred
dollars to diagnose the problem. Yeah, that's right, that's a great call.
This guy said it was under warranty, but they were going to charge
for the diagnosis. Tom, ButI think what we figured out. I

(01:23:36):
remember that yes, yes, yes, yeah, and uh and then we
said, well, what's gonna Howcrazy is that? But normally, the
way it works when a car isunder warranty, they charge you for the
diagnosis if it turns out it wasnot a warranty item. If it was

(01:23:57):
a warranty item, they would goahead and not charging. That's the only
dy it made sense unless the dealersjust, in my opinion, a complete
ripoff. So what happened? Yeah, Well, I went to pick up
the vehicle and they you know,prior to picking it up, I told
them if they charged me that Iwas not going to be very happy about

(01:24:18):
it because I've only owned the vehicleless than ninety days. And I went
to pick it up and they tookthe charge off. Good. They called
it a courtesy as a current.Well, hold on, what did it
turn out? What did the problemturn out to be? Let's talk about
that part. There was a leakin my condenser? Was it covered by

(01:24:41):
warranty? Was it covered by warranty? Yes? They told me. Even
after that, they told me thatit really wasn't covered by wanting because the
because they were going to have torefill it and fill it with free on
and that wouldn't be covered. Youknow, Honest to god, they sound
shady as well. Here's what Iwant to know. Only fixed it.

(01:25:03):
Bottom line, you weren't charged adime, right, And I would have
been charged the dime had i'd not, you know, spoken to you guys
and went back to them and saidthat I was very unfair, and then
I'd be very unhappy if they trstme that. And yeah, now listen,

(01:25:26):
I do believe if they were Listen, I do believe in the in
the putting the charge out there forfor warranty work until they confirm it's a
warranty problem. Agreed, once theyfind out it's once they find out it's
a warranty problem, then I thinkthat's when they back They back out that

(01:25:48):
charge. They don't send it toyou. I mean, they don't charge
I even brought that up. Thesaid of the contract, if it was
a covered item, then the diagnosticcharge did not apply. But they said
it did apply in this particular case. But they're doing me a favor.
Yeah, well they're wrong. Idon't care, but at least you got
it back. No, I'm incharge. Here's what I don't like about

(01:26:10):
it. I'm glad it's done,but all they're trying to do is act
like there's something special. Oh herehere, mister Randy. We decided not
to rip your face off with thisbill, and you're trying to act like
the good guys, right, Andthey're wrong because they would have. They
shouldn't have charged it anyway if itwas a warranty item. So but at

(01:26:30):
least you got what you wanted,and they wanted to maybe not give in
all the way the dealing was itBy the way, it was auto Nation
on one hundred and fourth and tensilthat they should just they should really just
do. It's crazy it played outthat way, but thank god they ended
up doing the right thing right exactly. One other comment I want to make

(01:26:51):
is that I had called their serviceto the bar but four times and I
never got a return called back.And then I called again the sales connecting
with the finance manager who handles warrsto coverage. They never called me back
five calls, never wanted the currentcall, And I honestly believe the reason
that is is because I opted outof their extended warrantine and I really felt

(01:27:15):
like they treated me like a secondclass customer because I didn't buy their warranty,
you know, but you said itwas but you did say it was
under warranty. What warranty was itunder the HANSA certified trio from the hand
the manufacturer? Okay, got you? You know what you should have done?
You should have gone to another Hondadealer. H Yes, I possibly

(01:27:40):
should have, but this place washalf a mile from my house. Yeah,
but I never you know, Ialways tell people don't pick something based
on convenience. If you have todrive a little extra for somebody who's really
good, That's what I would do. By the way, you know,
you just that I don't like thatHonda dealer so much. I think that
Planet Honda's a good place. That'sa personal uh. I just Susanna and

(01:28:04):
I just bought a Hondai from them. It Planet Hondai or actually it's pronounced
Planet high un day. Yeah,right, anyway, Randy, thanks for
calling three h three seven one threetalks seven one three eight two five five
So fix it twenty four to sevenis doing this special for twenty one dollars

(01:28:30):
today? The extreme clean of yourAC Why does it increase efficiency. Dirt
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(01:28:54):
dust. If you have pets,it's even even more so, and it
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and we clean the dirt out,and therefore, once we do, we

(01:29:15):
can guarantee it's not going to breakdown this season. Cool anyway, that's
uh, fix it twenty four toseven. Here's the website fixmihome dot com
seven two zero five two six thirtynine thirty nine. Now Mark was talking
about something that piqued my interest offthe air. Non meat meat? Is

(01:29:39):
it? It's crazy? S Mark? Is it synthetic meat? No?
So they took stem cells or I'msorry, cells or not stem cells from
actual chickens, I believe was theone I was reading about. And then,
along with other things which I don'tknow what the secret sauce is,
they created a own chicken and picturelike a plate of uncut brownie's coming out.

(01:30:05):
Then they shape it into chicken PADI'sor chicken breasts. The problem is
it's very mad. They're made fromcultivated cells. I'm reading. Yeah,
it's pretty cool. It's the labgrown chicken. Yeah, I wonder though
right now. I know it's veryexpensive, so it's not mainstream. But
the FDA approved two companies late lastyear in California to continue to do this

(01:30:30):
or to get better at it orwhatever. Saying is the whole and the
whole reason behind this. They're doingthis whether we like it or not,
it doesn't matter what whatever we believe. If they're doing it for climate change.
They're saying that the growing of meatand the raising of meat, beef
and chickens and all that is badfor the environment. And they fart a

(01:30:53):
lot, and that's methane gas soand their waste. So what they're trying
to do is reduce pollution, nota bad idea no matter what, whether
you're a part of the Church ofClimate change or not, it's a good
idea to reduce pollution. And thenthey grow this, But is it ever
a chicken? This is what Idon't understand. It says that lab grown

(01:31:16):
meat, cultivated meat. It isnot artificial. It's using true animal cells
and are fed nutrients like amino acids, and they grow. But I don't
understand how they grow. I don'tget that part of it, Like,
how does the meat grow well?Even if it is even if it is

(01:31:38):
growing. I think from a vegetarianstandpoint or someone that doesn't eat meat,
I guess it's never alive though.I mean, a plant grows and people
don't say, oh, I'm notgoing to eat that plant based food because
it was alive. But if itnever has thoughts, I mean, I
think really that's the difference. Right. Well, not all vegetarians do it
for humanitarian reasons, No, nota lot of a lot of them do.

(01:32:02):
They have compassion and all of that, and they reject the industry.
But some vegetarians do it just becausethey don't think meat is good for them.
So I don't think synthetic meat wouldmake a difference, or they do
it for both reasons. They doit for health reasons. But I would
argue that some of these burgers,these fake burgers, are worse for you
than the thing for your Hell,of course they are, they are,

(01:32:23):
of course they are. But vegetariansdon't vegetarians, many of them, even
though they like to believe it's science, if you truly, truly, truly,
Now, obviously, if you eatcrap, whether meat or not meat
or vegetarian or whatever you are,if you eat crap, crap as crap
as crap, sugar is sugar issugar. But if you ate the same

(01:32:45):
or try to eat the same amountof nutrients as the veggie as you do
as a as a meat eater,you would you're not as healthy as a
vegetarian. I don't care what anyonesays. That's what blood work shows,
That's what everything shows. Now,once in a while you'll have some one
who is healthier. But as ingenetics, yeah, in general, as

(01:33:05):
populations go, and according to studiesdone year after year after year, vegetarians
do not show improved health at all. In fact many in fact, it's
just the opposite. Now, thatdoesn't mean all meat you eat is good
for you either. There's a lotof crap out there, antibiotics and you

(01:33:25):
know, GMOs and all of that, But we're talking about if you eat
clean. On either end, it'sbetter to eat, it's better not to
be a vegetarian. If health isyour goal. If compassion is your goal,
that's a different story. I can'targue with you. But if health
is your goal, you're not goingto get what you need. Truly,
the quit is healthy. But thequestion does come back to, you know,

(01:33:48):
they're growing this meat, if itactually is chicken, that seems like
it would be a great alternative topeople that do do it for humanitarian reasons,
right, Actually, it wouldn't behumanitarian. That would be humans.
Well, I guess, well ifthey if they're doing it not to kill
animals, what would you call ithumane? Yeah? Humane? Yeah,

(01:34:11):
yeah, so it would be kindof humanitarian. I think they could.
I wondered the same thing they didwith chicken if they could do with veal.
I imagine they can do it witheverything. If they can harvest the
cells, they can make the meat. But I mean, but but then,
but then all all the veal isis young beef. So I don't

(01:34:32):
know they would have to cultivate itand get it earlier. I am so
in the dark. I would loveto talk to an expert on this.
By the way, if ever wecan book an expert seriously on this kind
of food, I would love tomore. Coming right up, go with
a sure thing Denver's best roofer Excelroofing dot com. You don't pay a

(01:34:56):
cent until you're content. Time foran insurance check up free, no obligation.
In comparison, call Compass Insurance payingtoo much your coverage at dozens of
insurance companies find out now three allthree seven seven to one help. You'll
think you're his only customer when youchoose Frank durand the real estate Man dot
com to list your home with RemaxAlliance three all three nine two zero sixteen

(01:35:19):
twenty two. Hi tom Archino hereat three oh three seven one three talk
three oh three seven one three eighttwo five five. Ryan's got a comment
on fake meat. It is labgrown and by the way, I found

(01:35:41):
out what they do. They literallygrow these cells, and these cells are
on dishes and they're fed food orin an environment of liquid, and then
they become meat. They grow andgrow and grow and grow, and then
it's it's uh, it's harvested,it's cut off and and used. I

(01:36:02):
mean, it's crazy. And Idon't know. I didn't get it into
deep during my reading here. Idon't know how they get light from dark
meat or any of that. ButRyan, what is your content? I
just had a funny comment, youknow, for the Bill Gates and the
alarmists of the cow farts and allthat. Yeah, well they're they're the

(01:36:23):
church of It's a church man.It has every marking of a religion.
Go ahead, right, And somy comment is I've been around cows my
whole life. I would sit ina garage full of four cows all night,
and Bill Gates can sit in thecar with it running all night and
see who comes out tomorrow. Okay, so you're saying you can breathe,

(01:36:45):
you can breed the farce, butyou can't breed the car's gas, right
Yeah. So I mean and thenall the airplanes. I mean, there's
a lot more pollutants. And Iagree with you. I'm pretty much down
the middle. We should all bewell, yeah, we have to be
good stewards of the earth. Idon't think anyone thinks we should destroy our
earth, I mean, and ourair and our water or any of that.
I'm all for that I'm not talkingabout when I talk about climate change.

(01:37:09):
It is way beyond, way beyondthat. I mean truly, way
beyond that. These people that aretruly into it, if you really talk
to them, they want to doa way with industry. They want to
literally go back in time. Literally. They won't tell you that upfront,
just like some of these religions won'ttell you, Oh, well, this

(01:37:29):
is what really we believe. Youknow, we're going to become aliens on
another planet and have our own planetand you know whatever, and we're going
to grow little children in gardens.I mean, there are certain things you're
not going to be told about anythinguntil you get deep into it. But
anyway, the cultivated go ahead.Oh just another small fact. The family

(01:37:50):
farm has shrunked greatly from the fortiesthrough today. We're producing, you know,
all our food on two percent ofownership of farmers and ranchers. Isn't
that amazing that we're able to produceand do all this food for everybody that's
complaining about how bad agriculture is.By the way, here's the thing.

(01:38:12):
Once I'm telling you, if theyhad their way, we would also be
eating bugs. You will not believethe plans that the Church of Climate Change
has. Now there are a lotof people say, well, we got
to do something for climate change.And again, I'm not taking a stand
on climate change right now, I'mtalking about the Church of Climate Change and

(01:38:32):
yeah, just like you know,it's just like any other church. It's
just like any other faith. Theyhave their demons, they have, you
know, the god of technology,or of cutting back and going back in
time. It really is hard.I'm not going to criticize people's beliefs ever,
but what I'm saying is there's gotto be stuff we can do without

(01:38:55):
being crazy. Right, So whatdo you think about the meat? I
mean, would you I was goingto get when they came out with the
Impossible Burger. I tried it.It wasn't the same. Yes, it
was similar, but you know,they put all the sauces on stuff like
that you can't even really tell,which is fine whatever, But I'm a
meat person. I'd rather eat thenatural beef. When you put all those
together and they grow the meat andthe petri dish, you still have to

(01:39:18):
add fillers and you know, allthe preservatives and all the stuff that's bad
for you anyway, all the reddye forties and the yellow forties. You
know, all that goes into thescience is making the meat. So when
they go into all this impossible burgeris going to be better for you.
Well not really when you look atthe science of everything and all the dyes

(01:39:38):
and the preservers they have to putit in there to make it look like
a real piece of beef. Yeah, but here a lot of people are
eating that stuff because they don't wantto see any animals killed. So I
mean, it's just a whole differentargument. It's a whole different argument.
But by the way, I justwant to say something about what's funny about
vegetarians is that they bend over backwardstrying to make stuff like meat. So

(01:40:01):
what's amazing is is they come outwith stuff for vegetarians to mimic meat.
Now, if they truly, youknow, it's weird. So so it's
like, I mean, how crazyis that? You know, you know,
we know pedophilia is bad, buthere's a doll. I mean,
it's like it's like a substitute forsome It's a long what I'm saying is

(01:40:27):
if you hate the idea of meat, why do you want the taste?
Why do you want the texture?Why do you want everything? Meat offers
the protein, but yet you don'twant the meat. It just seems like
you said for compassionate reasons. Maybethat's why. So those who those who
avoid meat for compassionate reasons, theymight say, Okay, you know I

(01:40:49):
want I love meat, I justwon't eat it, just like people love
ice cream, but they can't eatit because it'll make them fat. So
anyway, we have more coming upon the Troubleshe show a night, Tom

(01:41:11):
Martino, You're real three seven onethree talk seven one three eight two five
five. Hey Jay, what's happening? What's going on? Tom? I
have an idea for a business,and I'll tell you why, because I
think there's one part of the automotiveindustry that people get screwed a lot.
They get ripped off, and evengood shops charge way more than they should

(01:41:34):
because they can. Yeah, likeyou can go get your brakes done at
only a break place. I thinkair conditioning needs someone to do air conditioning
only because that is a spot whereyou get charged so much for something so
simple. But you get your headknocked off every darn time, and you

(01:41:58):
think that's because wait, you thinkthat's because the shop doesn't specialize. I
think if somebody specialized in it,they could. They could have franchises everywhere
just doing air conditioning, because it'sit's huge, I mean everybody. But
why would that But I understand whatyou're saying. Why would that make it

(01:42:18):
cheaper or less expensive. You stillhave the materials, and you still have
the labor, you still have theplant, So what would be cheaper.
Here's the thing. People charge exorbitantamounts to work on air conditioning. It
doesn't have to be that way.Well, don't you think it's their normal

(01:42:39):
shop rate? I don't understand.I don't think they up the charge r
No, no, no, no, no, it's not by the hour
generally. Okay, I want toget I want to get one of our
shops on to talk. I meanI'd like to know that, George,
go ahead, Sorry, I don'tthink it costs any less. Look,

(01:43:00):
if this place special it, actuallyit would actually cost more. And the
reason why is because they would onlydo that so their clients would only be
paying for that service. They wouldstill have to cover all their overhead,
their building in place where they knowand so that's what that's what's being missed
here. And so if you helikened it to transmissions, which are much

(01:43:20):
more widespread and have moork, yousee with acs, I don't think there's
enough work for a special office.That's what I was going to say.
So there's not enough demand and thereforeyou don't actually have to charge more to
cover your overhead. I mean,who knows. We might be wrong,
but I mean I'm just thinking,I just can't know. There was Hey,

(01:43:40):
guys, and George will remember this, and I know Tom will.
There was a model someone tried tostart, probably about spent five or ten
years. But basically you would buyyour AC unit for you know, is
cheap as cheap guests, almost awholesale price, and you would buy it
on the internet and basically it wouldbe deliberty and they would send someone out.

(01:44:00):
Oh yeah, that you you're talkingabout homemac now, right, think
let's call Kevin Coking on by theway, let's get shared. My point
is, go with a sure thingDenver's best roofer, excel roofing dot com.
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(01:44:25):
of insurance companies find out now threeoh three seven seven one help. You'll
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com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two ripped So you don't haveas we can. Shoot's gonna help come.

(01:44:58):
This is the Trouble Shooter Show.No Tom Martino, Hi, Tom
Martino here, Welcome to the show. Three oh three seven one three talk
seven one three eight two five five. What's on your mind today? We
have my moneymway dot com. Nowwe have Jordan with us, and Jordan

(01:45:19):
is with Joe Kiano. I lovehow they're actually father sons, of course,
Yeah, I do, man,I honestly, God do we have
a lot of businesses on our referrallist like that Excel roofing. Yeah.
So anyway, Joe Jordan is here, and then Jordan is going to be
at the movie as well, andwe're talking about the retirement dilemma. And

(01:45:43):
I want to make sure people knowthat this is a These are real case
studies, by the way, incase histories of what happens with people and
what can happen to you. Nowagain, it's April ninth amc Southlands.
There's no charge, it's complimentary,but we that you reserve a seat,
so you get one. My moneymywaydot com three oh three seven seventy nine

(01:46:06):
sixty six hundred and uh. I'mgonna give some opening remarks and we're going
to watch a movie Jordan. Asfar as annuities, right now, I
was told fixed index annuities, andby the way, that's not the only
thing in the world people do.Okay, I'm not gonna lie to people.

(01:46:26):
They shouldn't have all their money onannuity. They should have all their
money and stocks. They shouldn't haveall their money in anything, but they
should certainly. I believe in everybody'sportfolio there's room for an annuity, truly,
and I'm following my own advice.But now here's what I here's what
I want to know though lately becauseof interest rates, and this is what
I don't fully understand. I'm toldit's one of the best times in the

(01:46:49):
world to buy an annuity and Idid, by the way, So you
get a big bonus going in andthen you get really good returns and they're
locked in. So why do annuitycompanies lock in things that they know are
not permanent? In other words,they say, yeah, buy now while
the rates are up, And youthink, why is that? Why?

(01:47:10):
Why do whys insurance companies that sellannuities? Why do they bank on the
present? It's a great question,you know, yeah, why do they
do it? You got to thinkannuity companies their life insurance companies. Basically,
you know, they're born to makemoney. But the key thing is
is about three you know, thirdto two thirds of the money that's invested

(01:47:33):
in bonds. You know, thisis how they can guarantee interest rates at
a certain rate. And then theother third to two thirds, if you
depend on which company is going tobe more in those you know your buying
puts in stocks. So to yourquestion, when interest rates are high on
these bonds, when they're in agood place, this is why people are
saying buy now, because you canlock those rates in and they won't change

(01:47:54):
if based on certain annuities. Sothey're great to have the high interest rate
locked in like a cyd almost butyou still get that growth in the s
and P five hundred the market,and you can get higher and higher as
you go forward. But the guarantebecause it's indexed on those correct And the
point I want to make is whenyou make a gain, it can't go
backwards ever, right, I meanonce it locks in. You're absolutely right,

(01:48:15):
it's like a stairway up sideways,up sideways. You'll never see it
go backwards like a four to onek. And you're I want to make
one comment to your your the beginningstatement, You're absolutely right. Not everybody
should have all their ages in onebasket, you know. And you've got
to have a foundation. And that'swhat we believe. This is a guaranteed
foundation so that you can count onsome money and retirement in addition to social

(01:48:38):
security, and then have some moneyin the four to one k's the market
maybe to get some chances to makeit a lot more. Now I'm going
to tell you something that sounds crazy, but honest to god it I was
talking to this woman and I said, your home has gone so much in
value you paid it down next tonothing. Now I'm not giving this advice.

(01:49:00):
I don't want people listening to runout news. But we put some
paper to it and pencil and itwas weird how good it came out.
She could get a million dollars ona reverse mortgage. Now before people say,
oh my god, well, nowlisten, that loan is accruing at

(01:49:24):
a very low I mean, whenyou okay, you take that million.
You can take that million dollars andput it in an annuity. It will
outpace the reverse loan. But shedoesn't want to. I told her,
you don't do this if you wantto keep your house forever or pass it
on to your kids when you areready to retire to somewhere smaller or even

(01:49:49):
assisted living or whatever. This annuityhas long term care built into it,
plus income plus income, right right, Jordan, that is correct, And
now listen to this benefit. Shecan go and move her house will never
be negative. If it is,she gives it back to the lender.

(01:50:12):
It's you know, that's what reversed. But if it's more, she gets
that money, pays off the reverseor leaves the house either way, and
then has guaranteed income for life ofI think it turned out to be like
one hundred and twenty five thousand dollarsa year on top of social Security what
he mentioned the death benefit. Soyou get in Tom's example, they're getting

(01:50:35):
the social Security, they're getting thisyou know, paycheck or guaranteed payment for
life. What is a death benefit? Does that equal the initial investment or
how does that work? That growswith the with the product. So as
it gets higher, let's say itstarts out at a million in this example
and continues to go to one pointfive, one point seven to two if
she passed it in those points,as it gets bigger or in the beginning,

(01:50:56):
so the owners still end up gettinga big chunk. Cops. Oh
and I forgot to mention going inthat one million turns into one point three
or something yep, or one pointtwenty five incredible automatically. Yeah. And
so here's what I want to knowis that death men when we tell people
because she said, what happens ifI die and I still have money in
my account? And I was alwaystold whatever's left on the table goes to

(01:51:21):
your errors. Is that right?That is correct? Yes, there is
that hold on, but this isan important question. Is that in addition
to the death benefit or is thatwhat the death benefit is? Uh?
I think I understand what you say. It would just be whatever the account
value is. So whatever's in theaccount is death benefit, you know.

(01:51:43):
So okay, got it. Soit's not a death benefit plus the account
balance, it's okay. Yeah,And it's important at this point too.
As they're taking money, that deathbenefit goes down as the income is coming
out, and so that's It's notlike life insurance death benefit, right,
it's not. Yep, And peoplestill have life insurance along with correct an
annuity. But as I said,again, I'm not telling people to go

(01:52:05):
out and get a reverse loan andput on and do that. But I'm
saying that there are ways you cando stuff like this that are that It's
just incredible that Tom, you mentionedthe health benefit. I mean, how
does that work. If you're gettinglet's say, let's say whatever you do
an annuity, and you decide todo that paycheck for life instead of a

(01:52:26):
cash out on it. When youfinally pull that trigger, and you don't
get free. If you're getting threethousand a month, yep, and then
all of a sudden you get sick, what happens you get double. So
it can be in your house orit can be at a facility, they
will pay two times whatever that incomeis. And then but how do you
qualify for that? You've got tohave like cancer and you're dying or what,
just the same qualifications. Just likeany other life, there's certain it's

(01:52:49):
activities you can't do on a dailybasis, like eating, bathing, dressing.
There's six daily activities living just likeany of that you can't That is
not that you can't do them,you can't do them without assistance. Correct.
And here's the other thing though,I want to make this clear again,
Jordan, when we talk about theSo this woman or this if she's
going to have like one hundred andtwenty thousand a year coming in, you're

(01:53:11):
not telling me you can get along term care a rider that would pay
two hundred forty. It doesn't double, It doesn't have a limit. No,
it doubles truly to the payout ofwhatever she takes out. So if
you go so, if she's gettingten grand a month, twenty grand is
literally too. She'll get twenty granda month. You got it, yep.
And that's why it's important to saythat exact number that would probably be

(01:53:34):
enough to cover longer care in hercase, absolutely. People don't understand that
though they, honest to God,don't understand the power of an annuity.
But then a lot of people don'thave a million bucks either put in it,
but you have. It doesn't haveto be a million. It can
be one, one hundred thousand,it can be fifty, it can be
whatever. The longer it festers,the better. And whatever you put in

(01:53:56):
right now, depending on the plan, is getting anything from a fifteen percent
bump up front to a twenty fiveto some of them had a thirty percent
bump up front. So man,you're I mean, you're you're right on
tom And I just want to makeone last comment to your to your house
point. This is so powerful becausewhy would you. I'm a big believer
nowadays my mentality shift. Why payoff a house now? I mean honestly,

(01:54:18):
that is your groceries, that isyour gas, that is your money
inside the walls, And so youhit it right on the head. Need
that access to equity if you're notgonna leave it, You're right. If
this is not part of your estate, you're leaving to someone. There's no
reason to have equity when you die, right, And why pay you?
Why get off the bank's ledger.You know, if you have a good
interest rate, it doesn't matter becausethe equity go up or down whether you

(01:54:42):
owe or not. So we're takingyour calls, by the way on anything
three oh three seven one three talksseven one three eight two five five.
I got to remind you keep callingthree oh three Martino as well, and
you can always leave a number onthat number twenty four to seven and then
we'll get back to you on it. Now, George, when we're talking
about HVAC by the way and theheating season coming, what I want to

(01:55:06):
know is does it really does itreally get to a point where you do
people really wait that long? Andand they only call when it's understrain of
ninety degrees raating? I mean itjust happens all the time. How many
years you've been doing this? Whydon't people learn to call when they don't

(01:55:28):
have extreme heat or extreme cold?Well, it's not that they wait tom
most of them, I mean someare, but most don't plan to actually
do anything about it. And thereason why is because they've had it done
before, not not us, notcleaning, and they don't they feel like
someone's just going to come try tosell them, which is true with our
competitor. It's not true with usthat they're just looking for something to sell.
They're not. They don't understand thecleaning. We really actually clean it

(01:55:51):
and aren't looking for something to sell. So if if you have a system,
does the extreme and I know thissounds silly, but if you have
an AC and you turn it onand it's ninety degrees or it's eighty degrees
or it's seventy six degrees, youwant to make it cooler? Whatever?

(01:56:12):
Does that put more of a strainon a system? Do you do problems
come out the more they work?Yeah, it's all operating hours, absolutely
and looking I mean, but it'stemperature a factor. In other words,
I think that they're all running right. So does it really work that much
harder or does it just work longer? So today, if your AC turns

(01:56:32):
on, I I mean, let'sassume it does. Today. Today's actually
the war mist day so far ofthis. But it won't promise seventy But
if you turn it on and it'sworking, it'll feel like it's working right,
but today versus ninety degree, ifit's not working at its max,
if it's okay, it will feelvery different. H okay, all right,
so that that's what the point is. It's not going to be cooling

(01:56:53):
as well. But anyway, wegot all now Jay. I know,
Jay wanted to talk about his businessidea and we were trying to run some
numbers behind the scenes. The onething about specialty businesses is they do get
the market if they're good, butthey have to have the volume to sustain
it and the spread. And Idon't know, Jay said, I want

(01:57:14):
I think shops should specialize in ACAUTOAC is talking about automobile AC because it's
such a specialty and other shops chargeso much about it. We're going to
talk to Kevin Culkin about it.I wanted to see it because because Jay
claimed that mechanics charge extra for ACwork. It's always more expensive than regular

(01:57:35):
work. I want to talk aboutthat and the viability of that business.
Plus, take any of your callsat three O three seven, one three
A two five five or three ohthree Martino, go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're

(01:57:58):
content. Leave time for an insurancecheck up free, no obligation in comparison
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three all three seven seven toone. Help. You'll think you're his
only customer when you choose Frank durandthe real estate man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.

(01:58:30):
Hi Tom Marshino here three oh threeseven one three talk seven one three eight
two five five All right now,Kevin Colkin is with Sheridan Auto Tech.
Put a dot com on that,and anyway Shardan Auto Tech, Kevin Jay
and I don't know enough to disagreewith Jay, by the way, I

(01:58:51):
know about basic business. But Jaywas thinking, you know, Tom,
I think it would be a greatbusiness idea to have shops that specialize just
in air conditioning, and maybe weshould extend that to the to the ventilation
system, maybe where they clean outthe filters and the air and all that.
But in any case, his reasoningwas getting air conditioning work done.

(01:59:15):
Jay, why don't you finish it? What was your reasoning for this?
Well, basically, there's so muchof it, and it is one thing
where I notice because I used tobe an automotive. People always ask me
for help that the quotes they didare crazy high. It's not like,
yeah, well you know, it'sby the hour, it's not. They

(01:59:36):
charge a certain amount to empior system, a certain amount to put dye in
a certain amount, you know,and by the time you're done. It's
a really expensive thing that a specialistcould do over and over and over and
make a great living doing. Soare you saying it's more expensive because they
don't do enough of them where aspecialist would have the efficiency of volume?

(01:59:59):
Oh? Absolutely, What do youdo the other nine months out of the
year. Well, that's what Iwas going to want to do that in
Arizona. Maybe no, no,no, no, in Arizona. I
see there's not enough. There reallyisn't a lot of air conditioning work like
you think there is. Jac,Well, there is, because I'm actually
involved in this stuff. But partof part of your heating system on the

(02:00:21):
modern car, it's all. Well, the chats lying because of all the
all the automotive service air conditioning wasless than five percent. Five percent the
automotive industry is less than five percent. Do you understand? But but could
you run a business on that andnow because you're assuming you're going to get

(02:00:45):
all of it, you're not goingto get all of it, you know,
whereas transmission work is more like fortyor forty to fifty percent of all
automotive and engines. I mean,I don't know. You weigh in on
it, Kevin. Do you chargemore because you don't do it that all
often? Or is it your shoprate? How do you do it?
We have a set feet it's youknow, depending on the price of free

(02:01:05):
on. It costs this much tocharge the one thirty four eight cars,
it charges this much for the twelvethirty four cars. It's a flat you
know, labor plus free on.There's no variables to it. Well,
do you think it could be donecheaper? If you, Kevin, you're
in business, you're smart, ifyou specialized in ac could you bring those

(02:01:26):
prices down? No? No,Why if we're working on one today that
we looked at in October? Soshe decides said, the heck with,
I'm not going to fix it untilsummer, you know. So the car's
in here today from seven months agothat we first looked at it. And
what would you do the rest ofthe time of the year. Nothing?
I mean, there's nothing to do. Really, people don't fix their air

(02:01:49):
conditioning in the summer. They justdon't. That's that's partially true. But
also the heating and cooling are arecombined nowadays. Well no, that's why
I said, if you made ita ventilation heating, it like an HVAC,
basically business for cars. But I'mnot. I don't see the volume

(02:02:11):
and I don't see the carge.And George made a good point. What
Kevin, You would still have youremployees, you would still have workmen's comp
you would still have the building,you would still have all these other costs,
but only one stream of revenue comparedto ten. Look what I found
with specialty in anything, medical oranything. You actually end up paying more
if you go to a specialist foranything. Is that true? Yeah?

(02:02:34):
I know, I know, I'mtrying to get his reasoning why it would
be cheaper. Yeah, but there'sso much the car. You know,
you have a heating system that's tiedto the thermostat that's tied to the engine,
that's tied to you know, theelectronics that go through the body control
module and everything else. So it'snot a completely separate individual system. It's

(02:02:55):
integrated with other systems in the car, So it's not something you really special
argument, I don't think, Wellyou could have you added those other elements,
but then what the hell? Thenthen you add you may as well
just do auto auto maintenance and anyway, Yeah, I mean, I'm looking.
I don't mean to shoot down yourideas. Jay, I just don't
see the first of all, Ican't even can I never had an air

(02:03:19):
conditioner worked on ever. I mean, and I've owned a lot of cars.
Now, I just don't know.I got to call bs on that
you dropped about ten grand on ACon that damn G wagon. No,
I didn't, Mark, it wasyou're talking about that time that, Yeah,
but that was something else. Itwas. Yes, AC was part

(02:03:40):
of the problem, but it wasn'tjust the AC, as Kevin said,
But I'm talking about air conditioning initself. Have you ever had an air
conditioning problem? Mark? Yeah,but I owned shops. I have not
since I haven't owned shops, andyou know, no, no, but
okay, when you own shops,how much was air conditioning work? Oh
my god? We would do whatthey called a evacuate and recharge. Was

(02:04:01):
this is like two things I'm askingNo, No, I'm not asking how
much money, I'm asking the volume. Was there a lot percentage wise of
your work? Yeah, for liketwo months out of the year, we
might do I don't know, fifteento twenty percent ac only for those months.
So okay, yep, which well, and but really and that's before

(02:04:25):
it did cost a fortune. Honestly, our average service back there that would
include die so we would make sureit didn't have leaks was like seventy nine
bucks man. But to Jay's point, Now, to Jay's point on pricing,
tire shops they have they specialize andmake it and of course those wear
out all the time. But tireshops do it cheaper than regular shops,

(02:04:48):
Kevin, I mean, you can'tcompete with these tire shops. No.
I could sell tires way cheaper thanKevin could. There is no doubt about
that alone there. So that's whereJay's getting the idea of volume. Excuse
me of specialties being cheap or cheaperlike, but what about breakshop to three
months a year? Man, Kevin, are there shops that just specialize in

(02:05:11):
breaks? Well, you know,the minas isn't just breaks. They don't
specialize, but they primarily do breaksand suspension. They don't do any any
and can they do it cheaper?Not necessarily No, okay, But but
tires would be one example. Idon't think AC would reach that. Yeah,
but tires. Tires are a wholedifferent deal man. I had to

(02:05:32):
spend in excess of a million bucksa year in tires just to get what
I call my waterfall money. IfI didn't buy a million tires, most
years I could lose money on tires. I made all my profit coming back
from buying the tires. And Kevinunless if all you do, like discount
tire is really sell tires and tiresonly, it's hard to make money in

(02:05:54):
the tire business unless you got thevolume absolutely and one shop. One shop
could never know Kevin would never buya million dollars entires. I had five
shops. Yep. Now you endup buying tires at the end of the
year, you don't need to getyour rebate. Oh I see, I
see, Okay, we got morecoming up. I got to take a
break. Three oh three seven toone three talk. We have time for

(02:06:15):
plenty of calls. Three oh threeseven, one three eight, two five
five or three oh three Martino gowith a sure thing Denver's best roofer Excel
Roofing dot com. You don't paya cent until you're content. Time for
an insurance check up free, noobligation. In comparison, call Compass Insurance

(02:06:36):
paying too much your coverage at dozensof insurance companies find out now three oh
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Him Martino here

(02:07:05):
three h three seven one three Talksthree oh three seven one three eight two
five five. Hey, speaking ofmidas and shops like that which Kevin was
talking about, how they try tospecialize. We have Craig who has a
problem. Craig, what is yourproblem? Hey? Tom? Are you
yes? Sir? I am sir. What's happening? Well? I have

(02:07:26):
an older Honda that I had acrack and the flex pipe what year Honda?
Is it? A ninety seven Hondacord really nice shape? No rust?
Okay. One of those was thethe flex pipe, which is downwards
of the catalytic converted of the muffler. Yeah, okay, I went.

(02:07:48):
I went to a Midas Nervada.They replaced that. The day I drove
it home. It rattled like abucket of bolts, like a bucket of
bolts, like like did your catgo out or something? No, no,
there, something was wrong with theirinstallation. I mean it vibration.

(02:08:09):
The vibration rattling is insane. SoI took it, turned right around,
went back. The manager had alreadyleft the day. They said, leave
it with us overnight, we'll fixit. So I left, left overnight,
picked it up. The next day. They said, yeah, are
you still there, Craig, hewas driving in that bucket of vaults.

(02:08:31):
Well, I think did we losethe call? Dog gone? Craig I
wanted, was going, man,okay, let's try to get him back.
And then whatever happened with the Kirbyguy? Did we call that?
Cody Stingler from KRZ Systems, thesalesperson, and he did not get his
refund for his Kirby he brought backduring the right to rescind. So he's

(02:08:56):
going to call his bank again onelast time to see if they will reverse
the charge, and then he's goingto call us back and email us the
information of the seller or the guywho sold it to him. Okay,
thank you, that's good now,Craig just he got disconnected, right,
I'm not sure what happened. I'mtrying to get him back though. Now

(02:09:18):
I want to talk to Jordan againabout the movie coming up, And Jordan,
does this movie talk about social security? Yeah, it's it's just as
important topics that just talks about whywe're in this social dilemma or find retirement

(02:09:39):
dilemma. So it does get abrief topic of that, but it's more
so just I would say, likea documentary almost you know, it's very
informative, it's very great information thatevery time that we've had this last what
was there as about six months ago? Three from what was it four months
ago? Everybody walked out of there. I truly was asking them because it
was new for us. They lovedjust have information that was digestible. They

(02:10:01):
understood what was going on financially.So it does top on all those topics.
Side. Was there any one itemthat you took away from it that
you liked? I'd say for me, uh, it was more just the
the annuities and talking about you know, how people can can use them.
And it talks about a family inparticular. I don't know if you uh
guy stage with it, but itgives a real life example of a husband

(02:10:22):
and a wife. Now, yeah, I would say the wife was a
little everybody said she was a littleharsh on him in the movie, but
it showed truly what would happen ifthey don't have this money when somebody passes
away. What would happen if they'rerelying just on Social Security? And that's
like to your point, social Securityis just not enough for anybody to retire
on. Of course. Is thedilemma is people are only losing so security

(02:10:46):
nowadays and it's never been meant fortime. It's a supplement, is it?
Like? I don't know how toput this besides putting it this way.
Is it a real movie or someguys standing on the screen? I
mean, is a production? Yeah, it is really good. No,
it is Hollywood type movie. It'sa docudrama. There you go, that's
perfect term. It's a docu Jonesbecause it's real facts, real information.

(02:11:07):
But it's it's not like a Iwould say, and I got I got
three emails last time you guys talkedsaying you didn't give the website out.
I thought you did for this nowmy money my way dot com, My
Moneymway dot com. And they seethe trailer right there too. You know,
I think they can. I thinkyou can sure my money my way
dot com. You know threel threeseven seven nine sixty six hundred, Craig

(02:11:31):
listen, man, the Midas issuehere, what did it turn out to
be? You had you had youruh, the the pipe repaired and or
replaced? Right? Replace correct?Okay, So at Midas and what did
it turn out to be did youfind out? Well, the shop that

(02:11:52):
I have it in today, Ihad them look at I'm having to radiator
replace it at a shop in myneighborhood. I had them give me a
second opinion on that. They say, the baffling material in the resonator is
broken. So it's just it's youknow, where is that Where is that
resonator in regards to in connection tothe flex pipe they put on? Well,

(02:12:16):
the resonator is just forward. It'sa part of the unit that they
replace. Okay, it's downward ofthe catalytic and murder and forward. Wait
a minute, so they replaced that. What you're calling that and and that.
So did they put a bad partin? Evidently? Evidently because it
did that from the word goes.So when I took it back, they
said, oh, that's just yourheat shielding rattling on the pipe, on

(02:12:39):
the pipe that we replaced. Well, I took it back to them.
They claimed they got it fixed andnever got fixed. So I've been living
with that rattling as I drive itaround. Figured out what did the other
shops say has to be done tofix it? Replaced the entire part that
might have put in. Yeah,well that's where did they actually replace a

(02:13:01):
resonator? Yes, the resonator andthe for all one unit got I see,
I didn't know that. That's that'slogical. It's between the cat and
the muffler generally. So when youwhen you went back and told them that,
what do they what do they say? If you have a mechanic telling
you that, well, I'm goingback there tomorrow, this will be like

(02:13:24):
a third champ. How much howmuch was the part? Bro? How
much it's like a four hundred dollarspart plus labor? Well, how much
was it all together? I don'trecall. It was like eight hundred dollars,
So you should get what you're sayingis you should get an eight hundred
dollars refund. Don't you think,Well, I'm going to go through Midas

(02:13:46):
claims because I have no fan andI know you say, I'm asking you
you got zero value. Don't youagree you should get the whole eight hundred
back or they should make it right? Correct, you could go They're not
let you go through their claims.I highly doubt it. You have to
be outside X amount of miles inorder for them to do something like that.

(02:14:07):
Man, you're better off just youknow, literally complaining to that shop
or going after that shop. SoI don't understand this, Greig, Why
won't they replace it? Well,at this point, if they can't recognize
the fact that they put in apart that the bathling material was broken,

(02:14:28):
the rattling was due to that partbeing defective from the start. They claim
it was heat shielding. Obviously they'reincompetent and don't know what they're doing,
So I don't really have a lotof face taking it back to them.
Well, I don't no, no, no, no, no, no,
no no no. If they offerto replace it, you need to
let them. Well, I knowyou say that you always say that you

(02:14:48):
don't let the shop try to replace, But how many attempts do I go
through this with the inconvenience and itstill isn't right. Well, here's okay,
there's no statute on that, butthere is there is precedent and usually
and with the law, with manyof the laws, and the spirit of
the laws, it's about three times. Yeah, they like the lemon law

(02:15:13):
with so long well, but thereis no actual law. But I think
that you would then you would thenprobably be in a really strong position for
a complete refund. And here's thething, man on the on this redo,
Uh, you know that resonator couldhave been broken out of the box.
Who knows, you know, thebaffling. I think you got to

(02:15:37):
give them at least another chance.Unless they did harm, you need to
give them another chance. I mean, that's what I would do. Just
just let us know if you're goingback tomorrow, let us know tomorrow is
car day. I'd love to hearback from you. Three zero three seven
to one three eight two five fivego with a sure thing Denver's best Ruffer

(02:15:58):
excel roofing dot com. You don'tpay a cent until you're content. Time
for an insurance checkup free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies find out Now three oh
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with

(02:16:22):
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martinez,
your troil shooter. Okay, wecan't say it enough. Twenty one
dollars. You'll never see service likethis for twenty one dollars ever, fix
At twenty four to seven will cometo your house and do an extreme clean.
You will be so impressed. Imean, you take it apart.

(02:16:46):
George. You know that video youjust did and I narrated for you for
the Internet. I that video,that's an excellent video. That's what we
do. Is that on your site? I want them to see it.
Okay, fix myhme dot com.We just did this video and it showed,
oh my god, they're taking outstuff and just laying it out and
cleaning it. And would you paytwenty one dollars just to guarantee your system

(02:17:07):
won't break down. Yeah, sothis is it. It's seventwo zero five
two six thirty nine thirty nine.Or just fix my home dot com now,
don't forget my moneymway dot com.My money, myway dot com for
April ninth, seven o'clock Amcsouthlands forthe movie will be there. So we
got a lot going on on theTroubleshooter Network. Remember save all your problems

(02:17:30):
for me.