Episode Transcript
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(00:00):
Yeah, ripped, you need advice? Who you don't have? Come running
just as fast as we can.Show Shooter's gonna help. Come man,
this is the Troubleshooter Show now,Tom Martinez, welcome, Welcome to the
(00:34):
show, the only show of it'skin. We're here to solve problems,
answer questions, take complaints. Where'sTommy Shannon? Tom Shannon? What remember
Tom Shannon Edward TV Tom Shannon,No, yes, no, actually I
don't. But here's the deal.We're here to help you out to the
tune of over three hundred million dollarsin exchanges and refunds and cash and you
(00:55):
pretty much name it services. We'rehere to protect you. We're here to
help you. In the phone numbersimple three zero three seven one three eight
two five five three zero three Martino, Please don't forget that number works on
and off the air. What doesthat mean? That means you can call
us anytime. We'll either answer thephone or we'll call you back and try
(01:15):
to help you out. It lookslike Shelley's got an ish. Hey,
you don't even you didn't even knowI was here. I was sitting here
and you were lying. Hey,if you're lying on Dick, Hey,
listen, you think Shannon would havehad the courtesy to say, oh,
you're on the air, or yougot a minute to go worse? You
know what, after forty five years, You're right, Shannon should have reminded
(01:36):
you, No, we're sitting hereshooting the breeze. Oh, thank you
very much. You know what,I'm going to do a lawsuit on agism
and Biden's going to be my codefend my co plankin anyway, Go ahead,
Mark, you were taking Do youknow what happened with Shelley? I
have no idea. It's his flooddamage. It must have happened after I
dropped off here. Now Shelley isShelley the one? Oh this is the
(02:00):
crazy one. Listen to this,Mark, because you were you were away
when I think I first soke thiscall, but I'll take Shelley. Are
you there? Yeah, I'm here. I want I brought up. I
have two people. I want totalk to two experts because this baffles me.
And first I'm going to bring upCompass Insurance Group. Then I want
(02:23):
to bring up Matt with Paragon Services. He's a public adjuster. Actually I
do remember this. I looked ather paperwork. Now this is the one.
This is the one she signed theclaim over no contractor no, no,
that's not the settlement. There's twoof them talking about you're right though,
that is one very close to this. It's another weird situation. But
(02:44):
Shelley is the one that has acondo and she was called saying you got
to get home, there's an emergency. She goes home. They had turned
off the water and I want everyoneto listen. In fact, I'm going
to bring up Jeremy. Are youlistening, Jeremy? I am all right.
So she gets there, they hadturned off the water and it turns
out that in her if you picturea mechanical closet, her water heater is
(03:07):
in there, but behind the drywall. Not at her water heater,
but behind the dry wall where herwater heater pipes go into the wall.
Somewhere in there a pipe failed.Now, Shelley, I wanted to ask
(03:30):
you something. Was this pipe exclusivelyfeeding your water heater or water supply or
was it common to any other units? Someone asked me that say, that's
another I have no idea, likeI said, okay, all right,
now, so here's what happened.Here's what happened. They told her come
(03:53):
home. She came home, shelet the plumber, and no one could
find anything. Eventually, a guycame opened up the and found a broke.
Was it broken or cracked or corronawas corroded? Corroded? Yeah,
so listen to this, Jeremy thehoa. Oh no. The management company
calls in a restoration company. Therestoration company drives up a bill of about
(04:18):
how much was it, Shelley,thirty grand or more? Two thousand and
no itemization whatsoever. And the companythey called in was one of their subsidiaries.
Now, okay, so Shelley says, I have insurance. I'm going
to turn it into my insurance becausethey came after her for thirty grand.
(04:41):
So I have a number of questions. So she submits it to her insurance
company, who says, we're notcovering this based on one invoice for thirty
grand. All right, I meanthat was it. I mean one invoice
for thirty grand. That's all theyhad, and it had no itemization whatsoever.
First, my very first question toyou, do insurance companies want itemization?
(05:05):
Oh? Absolutely, Okay, that'snot unusual. That's not unusual.
Even though she has a sucky company. It's not unusual for State Farm or
any company to ask for itemization.I thought so, and I'm yeah,
that's the standard now. But mynext question more important than this. I
thought condo owners can only be responsiblefrom the drywall in. No, they're
(05:31):
responsible to fix the damage from thedrywall in so, regardless of where the
water comes from or whatever, theirresponsibility is to ensure the drywall in so
that it would be appropriate for herto use the State Farm policy her HO
six for the downstairs condo as wellfor the other condo as well, even
(05:53):
though she there was no negligence orpart it was just an accident. They're
not she is respond possible for thatbecause the pipe was feeding her condo.
It doesn't matter if the pipe wasfeeding her condo or not. She could
have an upstairs neighbor who ran thebaptub and forgot it was running and it
pours into her house or to herunit if she's successful in using the upstairs
(06:18):
person's insurance through the liability. Butgreat, but that's probably not going to
happen initie. No, but that'snot what I was asking. I get
you, Jeremy. You're saying herinsurance will cover her no matter the cause.
What I'm asking this is about herliability. They're popping her for thirty
grand in repairs, not to herapartment, to the one below her.
(06:40):
They're saying to her, you destroyedor caused damage to the condo common area
and the condo below you. Sothey want thirty grand and she's and I
want to know is that so orwould that be the hoa's coverage. I
(07:00):
feel that would be the hoa's orthe other unit owners for their so the
common the damage to the common ownproperty would be the hoa's and the individual
unit owner's damage that's not hers wouldbe their HOA or their ho six.
If they feel she's responsible, theycan subrogate or try to sebrogate her insurance,
(07:21):
but there's no way her insurance policyis going to take the liability for
that. That's what we're talking aboutright now. That's what we were talking
about. State Farm says, giveus an itemized bill of the cleanup for
the condo down below and the repair, and we not the repair, just
the cleanup, and we will considerpaying it. But I'm asking you,
(07:46):
if the break happened inside the drywallwouldn't that more than likely be the HOA
coverage? Absolutely? Why are theydenying it, Shelley? When you said
way, what about the HOA insurance? What do they say? They said
no? They said, why arewe going to pay for your what happened
(08:07):
in your unit? Because I've tried, but it didn't happen in your unit
by any definition I've said. So, now I'm going to bring up Matt
Stanford with Paragon Services. He ison our referral list at referralsts dot com.
He is a public adjuster for thoselistening. Public adjusters work for you
against your own insurance or other insurancecompanies that are unfair. Matt, how
(08:31):
do you weigh in on this?Having heard this? Well, the first
question I had was that type ina perimeter wall or an interior is it
actually inside your unit? Oh?Okay, good idea. So, Shelley,
if you poked a hole through thatwall, does it come out on
the other side to your unit oris it a is it a wall going
(08:54):
into common area? I believe itwould probably go into my closet. So
the wall is between your closet andyour laundry room, so that would be
her problem. I don't know,Jeremy, would they consider that her unit
or would they consider that inside thedrywall, it would still be her unit
(09:16):
if if it's enclosed within her unit, even if it's behind the drywall.
But I would still make the argumentshould not liable for the other damage.
If the other the HOA and theother unit's insurance wants to go after State
Farm in this case and subrogate,then they can do that. But by
(09:37):
nomen But Jeremy, I don't Idon't understand this. If she took an
axe and started cutting into her drywallbetween her kitchen and the closet and cause
this leak and flooded the apartment underher, the townhome or whatever it is
under her, that wouldn't be.That's not her problem. Yes it is,
that would be, of course,that would be she'd intentionally have done
(09:58):
it. But even if she,what I'm saying is if it froze or
something along those that, I don'tsee how it's the HOA under this circumstance.
Well, what he's saying is she'sshe wasn't negligent or liable and it
just broke and it was inside thewall, and everyone has their own liability
the person down below has their ownliability. Shelley has her own liability,
(10:22):
and the HOA should have some kindof insurance, And he's saying if they
shouldn't come after her personally, theycan have their insurance company sue State Farm.
Correct. Everyone's responsible to ensure thephysical damage of their property, the
HOA and all the individual unit owners. So if there's damage to that physical
(10:43):
if there's physical damage to their units, their policies are going to pay that.
If they feel that the where thesource of the water came from was
negligent, then they could subrogate backto her if State Farm's willing to pay
some of that liability costs for cleanupfor other units. That's, in my
opinion, that's above and beyond whatwe would typically see because the difference is
(11:07):
she didn't she didn't purposely cause that, and you know, things leak.
That's pretty common in any capared condotype living. So, Matt, you've
handled probably similar situations or not.Yeah, definitely. So to weigh in
on this, you said, nowthat you know the walls between her closet
(11:28):
and her mechanical room, the pipewent up inside that wall. It was
not exposed to her. There wasno way for her to know anything was
wrong. It went bad, andnow they want her to pay for all
damages in addition to our own.Yeah, and she actually had damage to
her unit as well? Or didit just the water slip through the wall.
(11:48):
Good question, Shelley. Did youhave damage to your own unit?
Yeah? I had just a littlebit. I mean, not not much.
That this is where State farmed theyI mean, they have stuff that
says it's like trash, that's whatthey say that they want it broke down
by units. What was my damage? What was the downstairs damage down?
For see? Maybe State Farm wantsthat broken down. Maybe State Farm wants
(12:11):
that broken down because they don't planon paying other than your unit. Yeah,
I mean, and this has alreadybeen two years, almost a year
and a half. Well, theycan't file suit, now, can they.
Jeremy liability is different than her beingable to file a claim audation on
(12:33):
that is, Matt, what wouldyou do well if I was Shelley in
this situation, I would have NumberOne, the mitigation company can't just write
an invoice on a cocktail. Theydid ope for the best, they did,
they wrote one. It's ridiculous.What they wrote down. So that's
(12:54):
a big glaring issue. They needif they're expecting to get paid anything,
they need to itemize. Break itdown. Square footage is water logs,
all the data. The problem is, they did get paid. Here's why
the management company hired them. Listento this. The management company hired them.
They were a subsidiary of the managementcompany, and the management company paid
them in full, and then theHOA fired the management company. Oh lord,
(13:20):
yeah, so they've been paid andthey're gone. So now it's come
down to basically who's paying for thelow Now the HOA says, hey,
we paid, we want to bereimbursed. I don't think they have a
leg to stand on, and that'swhy I don't think they filed a suit
against Shelley. I agree. Ithink, you know, I can step
in and as an act of goodfaith on state farms part. I think
(13:41):
if we just break this down furtherdocumenting everything, maybe they would consider covering
the common area and the unit belowand then subrogates, you know, against
DHOA. I think that's the cleanestpath. But again, this is getting
a little messy. It might betime for an attorney to take a look.
I know, I know, andthat's but but I appreciate all of
(14:03):
you weighing in. Shelley. I'mgonna give you some recommendations right now.
Why don't you call Matt, Justtalk to him off the air and maybe
let him see your policy and stuff. Just just call him because even if
he doesn't take a case, hecan just talk to you about it.
Paragonservices dot com. Here's the number. Seven one nine seven two six zero
(14:26):
zero two zero, Kachina, canyou make sure she gets that? 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
(14:50):
of insurance companies find out now threeoh three seven seven one help. You'll
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(15:13):
systems, the lowest prices, drinkingwater all you can drink at the kitchen
sink, filtered reverse osmosis, fourteenhundred fully installed waterpros dot net, Ben
Ben, Benben, what's going on? Uh? I believe Mark forwarded me
this email he read it. Isn'tthis the one you sent to me?
Mark? This is about Titans Solaragain. They went out of business.
(15:39):
Wow. And you know, wewe were predicting that these were bad people
from the beginning. They lied tous. Remember they said they were gonna
come on air and just give usa day to look at it and blah
blah blah. Well hold on,that was another company to a local.
Uh, I don't know of this, pretty sure Titan said that as well.
Okay, So anyway, uh,what do we do now? And
(16:00):
I wanted to get Brooke on fromRed Rocks, Roof and Solar, but
her plane was delayed. She wassupposed to be here today. So Ben,
tell your story though, because thisis pretty outrageous. Tell your story,
let me bring Yeah, you're up, go ahead, sir. Hey,
thanks Tom. This is kind ofa cautionary tale too. Titan Solar
(16:22):
had a representative call me. Iwas interested in Solar about three years ago.
And you know, they may believemade me believe it was best thing
since life bread and there, well, well, solar done right can be
very good for you. So youdid this three years ago. Three years
ago, yes, but it tooka year to actually get a contractor to
(16:47):
upgrade my electrical panel. I hadone hundred and twenty kill what panel and
they needed to upgrade it a lothigher than that for Solar, and Titan
was taking care of all that.They had a contractor who was supposed to
show up. They never showed up. And a year after that they finally
got a contractor to upbraded the paneland I was able to turn it on
(17:08):
basically the same day, and it'sactually worked pretty well since. And then
I get this email from Solar Edge, who does the monitoring, saying Titan
Solar close their doors and we'd liketo take over the warranty on the equipment,
but not the labor. So nowthe original warranty was for labor,
(17:30):
The original warranty was for panels andlabor, okay, And the new company
says we'll take it over, butonly for material only for the product.
That's correct, and the reason theywant the reason they'll do that and by
the way, anyone can do that. That's why because they but they won't
(17:52):
do the labor because the labor isthe thing that costs them. They're going
to get reinbursed from the company.Absolutely. What components do you have?
What components do you have? Oh, I've got the inverter, I've got
the panel. But no, what'sthe name of the company? Solar Edge
And solar Edge is good for howlong on the warranty? Twenty years?
(18:17):
So that's good. Solar Edge willprobably stand behind that equipment. Yeah,
I just have to pay for thelabor. My question is what do I
do with the loan if the company'sout of business? Who am I paying
all this money to the loan throughTitan? Right? The the loan,
These people loans you the money.The stuff's on your roof. You can't
(18:38):
just stop paying it. No,I can't. And it's actually serviced by
a company called Goodly. Yeah,but yeah, I understand that, and
that is a legit company. WhatI'm asking you is this, If the
materials were paid for with a loan, and the materials are on your roof,
yeah, and they're functioning, whydo you feel that you can.
(19:03):
That's like saying I bought a car, I went to my bank and I
got a loan, and the manufacturerof the car went out of business.
Do I still have to pay offmy car loan? Yeah? No,
And I understand that I fully expectedto have to pay off this loan for
the next twenty years or so.I was just wondering if there was any
(19:26):
recourse or anything. I didn't thinkthere was. There's not a recourse against
the lender once the system is activated. If the system never got activated or
they walked away from the job,you do have some recourse. Again,
I don't know if you would inthis scenario though, But no, because
it's activated, it's done. No. No, no, I'm saying when
(19:48):
the company goes out of business,they can't. I mean, the credit
union or whoever it is doesn't evenhave recourse the bank. But had it
not been I'll bet you this mark. Had they gone out of business and
not done one liquor work, Ithink he would have had a right to
cancel that loan. And they wouldhave had, you know, the let
with the with the solar business.I remember Brooke telling me that, oh,
(20:11):
by far, I agree with you. They have to get it going.
Yeah, So since it was activated, Ben, the only downside,
the only loss you now have isis possible labor on a warranty repair.
But really, what solar doesn't needa lot of warranty work, And if
(20:33):
it's a result of damage from storms, your insurance is going to cover that.
So I don't see a lot ofexposure for you, especially if the
system is working. And by theway, is it working. It is
working, and it's working well inthe summertime. In the winter time,
of course, you know, sungoes in and out. Everybody knows that
(20:55):
with snow and stuff like that.Do you have battery backups or do you
have a way to store when thesun out in the winter. Unfortunately,
when I had the panels installed,battery backup was not an option, at
least not through Titan. How longago do you have it done? Three
years? Okay, you're lucky itwas done. Hold on a second,
though, there's a comment, Adam, you have a comment for Ben or
(21:18):
for us? Go ahead? Yeah, I used your referral list and I
got the same Titan panels through MarkSchamansky. Right, yeah, and that's
where a Titan came in and hewas the one installing all them panels.
Well, he wasn't the one.He wasn't the only one. There were
a ton of people installing them.Yeah, and I got the same email
that they're going out of business andwe got to find someone else to warranty,
(21:42):
right because Titan just I mean,Titan was more of the actual,
uh what do you call the fulfillerof the contract. And then there were
different sales organizations like you said,Mark, and there were a ton of
different companies. Here's what it saysabout it. Titan managed the installations while
(22:03):
the dealers focused on sales, right, right, right. And here's something
I read that's uh, I'd neverput this together. One of the reasons
these solar companies are falling off theearth very quickly is interest rates, because
they have to float when grants comein and when tax credits come in if
(22:26):
they're going to be the ones thatgetting the tax credits. And when interest
rates went so high that demand forcash flow each month got crushed and a
lot of them just couldn't you justcouldn't stay in business. And they're saying
that was part of the issue withTitan. Uh huh, and one of
the largest in the country. Bythe way, Now, Mark the one
(22:47):
that you were one of the onesyou were talking about though, Mark and
and Ben. Like I said,if you do need service, though,
I would definitely call Red Rocks Roofand so well, we've got two on
our referral lists that both will workon any sense. Probid Energy dot com.
Pro Bid Energy is a good companyas well, and so Probidenergy dot
(23:11):
Com. Okay, that's one.They do the sales, the service,
the installation and the warranty work.Now, Red Rocks Roof and Solar is
Redrocks rs dot com both good companies. Now, Mark that problem that you
were talking about. I looked upreal quick, listen to this one too.
This is from a website called solarEnsure that just talks about the industry.
(23:33):
What the other nail in the coffinwas they're talking about the disconnect between
sales promises and installation realities. Reallystrained Titans resources because they would hope these
other companies are doing their part,but the salespeople would be out there,
you know, promising everything in theworld, and that simply wasn't the way.
(23:55):
It is. Same thing we've beenpreaching forever. You want a solar
company that does its own sales,its own service, its own warranties.
It's its own company, not someonethat's one cog in the entire wheel.
Exactly. That's exactly right. Andby the way, the one you were
talking about earlier, Mark, Ilooked it up. It was Valor Roofing
locally, but they were selling acompany called One Solar, so on Solar.
(24:19):
One Solar did the installations, ValorRoofing did the sales. They both
suck. They both left these consumershigh and dry. And I just want
to put out a warning about ValorRoofing and construction and also about One Solar.
They're a bad company. Go witha sure thing Denver's Best roofer Excel
(24:44):
Roofing dot com. You don't paya cent until you're content. Time for
an insurance checkup, free no obligationcomparison call Compass Insurance paying too much your
coverage at dozens of insurance companies findout now three oh three and seven to
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 oh three
(25:07):
nine two zero sixteen twenty two.Hey, Tom Martino here three O three
seven one three talks seven one threeeight two five to five. Hey,
listen eight eight eight heating dot Comfor accurate, honest assessments of your AC
in this heat or any issue withplumbing an electric as well. That's eight
(25:33):
eight eight Heating dot Com. Weknow Garrett very well. You can depend
on him now and his company.Now listen, Uh, Randy, I'm
gonna go to Edgar's been waiting,But Randy has a quick comment on this
pipe situation Shelley. In Shelley's apartment, there's a wall between her closet and
her laundry room. Inside the wallof pipe broke. It caused damage downstairs.
(25:55):
The management company hired one of theirown companies to the one of the
subsidiaries to fix everything and pay themin full without a detailed invoice. And
now they expect Shelley to pony upthe money for these repairs. And our
guy said, listen, she's notnecessarily liable. Each one has their own
liability insurance and they should leave itat that. What did you want to
(26:18):
say, Randy? Yes, Iwork in the fire alarm trade and some
in these buildings when they're being built, and I would say ninety percent of
the time, they curate the condobuilding with exact four floor plans stacked on
top of each other, and theydo vertical pipe runs that service all three
floors, all three sets of bathroomsor kitchens are all done so that they're
(26:42):
single vertical drops coming down. It'svery rare. Why you're right about that,
Randy. It seems weird that therewould be one home run pipe feeding
her condo. They rarely do that. She would know obviously if she has
a water meter dead hated to herunit. That's a very good point.
(27:03):
And how would they and so howthe hell do they just pick one section
of that pipe and say it's herproblem, right, because it could be
feeding the third floor too, ifshe's got a condo above her, and
therefore it is it is a publicor a common run for the building exactly.
What we just need to ask herif she gets a water bill based
(27:25):
on metering or is it the exactsame amount every month or something exactly,
and then if if it isn't,if she doesn't, and it's it's done.
Like all these condos do square footage, they have one meter for the
building and they dole out of these. Okay, we're gonna we're gonna find
that out, Randy, Thank youso much. I love my listeners.
I tell you they're smart people.Uh, even though Mark's not Edgar,
(27:48):
what's going on? Can y'all hearme? Yes, sir? Anyway,
my deal was with a Fender vendorthat I had, So, okay,
let's let's talk about it happened,Edgar. So I was pulling into a
(28:10):
parking lot, and uh, youhave the storefronts on one side and then
parking spots on in front of thestorefronts and across the parking lot of the
storefront. So I'm pulling into theparking lot and it is a pretty tight
space. So I went past myparking spot where I was gonna intend to
(28:32):
park, and back into my parkingspot. As I'm backing up into my
parking spot, I noticed another carbacking out and it wasn't stopping. So
I was about halfway through parking andthen I got I got pretty much it
would be like I got t bone. You mean the other car did not
(28:55):
even look in their rear view mirroror their camera. Obviously not no they
didn't. So at that point wekind of got out, you know,
we we got out, and shejust said, you know what, I
didn't I didn't see you there,so you know, I went ahead and
got all her information. She apologized. She was says she never, uh,
(29:18):
I've kind of been in an accidentbefore and whatnot. So was this
was this an older person? Itwas then she was in her probably I
don't know, late thirties, earlyforties. Okay, So then what so
after that, you know, weexchanged information. We really didn't really exchange
information. She she apologized because shesays she didn't see nobody in the rear
(29:44):
area. But you say, butyou did. You did get her insurance
and all that, right, Idid. So here's where the here's where
I'm the reason why I'm calling you. Because her insurance. I contacted her
insurance. I also contacted my insurance, and they said that they felt that
(30:04):
I was also at fault. Sothey only want to pay me eighty percent
of the demog You know what Iwas going to say, Now, listen
here, let me explain this toyou real quickly. But you gotta hold
on because this is a really importantdiscussion and it's going to happen more and
more. So just hang on,I'll come right back to you. Go
(30:26):
with a sure thing Denver's Best rooferExcel Roofing dot com. You don't pay
a cent until you're content. Timefor an insurance checkup free, no obligation
in comparison, call Compass insurance payingtoo much your coverage at dozens of insurance
companies find out now three all threeseven to seven to one. Help.
(30:47):
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, Welcome to the show. One Clear
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clear choice doores dot Com. Allright, So we have Edgar with this
accident, and what he is experiencingis something called comparative negligence. Now here's
(31:33):
what insurance companies started doing a fewyears ago, they started going into an
accident saying, well, yeah,our insured is responsible for most of it
or some of it, but you'realso comparatively negligent for some of it.
Therefore, they make offers sixty seventyeight percent and here's the deal. Can
(32:01):
you get around it? Well,in most cases, I believe comparative negligence
is a sham. When you weredescribing your case to me, and you
may not like me for this,Edgar, but it's not like I'm going
to call the company and tell themthis. I do believe there's some comparative
negligence when you see a car pullingout and you think, well, they're
(32:23):
not stopping or whatever. Did youbeep your horn loudly? Did you try
to get out of there? Didyou do anything to mitigate the circumstances.
That's why they're saying you're twenty percentliable. Twenty percent is a pretty small
amount. Now, if you don'tlike that, and you truly believe that
you had no negligence in this whatsoever, you don't have to accept what they're
(32:47):
offering. You can simply put in. You can simply refuse it and sue
the other driver for your damages mostlikely how much how much in damage do
you have right now? Is justunder I mean I haven't took it to
(33:08):
a body shop or anything, butfrom the pictures that I submitted through through
the through the other person's UH insurance, it's under one thousand dollars. Oh
my goodness that the entire damage isunder a thousand on your door. Yeah,
(33:28):
well, it's the door and itbasically in between both doors. That's
where I suffer. I mean mostof the damages on the door, but
I don't know if the frames meantso I really have to paint it.
Wait wait, wait, the framewouldn't be bent on a slow speed.
I mean she was just backing out. She wasn't jamming. It was she.
I mean when I when she impactedme, I mean she's still kind
(33:52):
of pushed it a little bit.So that's kind of where I where I
feel that I wasn't at fault.I mean I backed up. I've seen
her backing up. I I meanI stopped and she just kept going.
Did you lay on the marn youknow what? I pushed on my steering
wheel. I could not hit thebuttons on. I couldn't. It happened
(34:16):
so quick. You know that's we'rebeing honest. Listen, here's the deal.
You may want to take her tocourt for all. First of all,
you need to get this loss estimated. I don't know of any damage
that would be a thought under onethousand dollars. None. I can think
of not one thing that can happenon your car unless no paint is involved
(34:37):
and it's in the center of yourdoor panel where a paintless dent repair can
fix it. Is it creased oris paint damaged? Yes, yeah,
I mean there's nothing under one thousanddollars. Who told you that that was
the other insurance Well, don't don'tbelieve her insurance company. First, go
and get it estimated for real,and then take her to small claims court
(34:57):
directly. If it's under seventy fivehundred, which it should be, you
don't have to accept it or negotiatea better settlement, although I do think
you're probably partially liable. We havemore coming up on the Troubleshooter Show three
O three seven, one three eight, two five five or three oh three
Martino Go with a sure thing Denver'sBest Roofer Excel Roofing dot Com. You
(35:21):
don't pay a cent until you're content. Time for an insurance checkup free no
obligation comparison call Compass Insurance paying toomuch your coverage at dozens of insurance companies.
Find out now three oh three sevento 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 oh three nine two zero sixteen
(35:45):
twenty two d news. You don'thave room running just as snap as we
can. Shooter's gonna help coming man. This is the Troubleshooter Show. No
(36:09):
Tom Martino, Hi, Tom Martinohere, Welcome to the show. Three
all three seven one three talk sevenone three eight two five five Welcome.
How are you doing? By theway, renew Home Innovations will do a
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grab bars, whatever you want.And if you're running for president,
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with no interest. We have tohave just a little more respect there,
Shannon. When I mentioned the president, Yes, sir, the president of
(37:12):
this here United States. George.By the way, after George, we
have open lines for the first timethis morning, So get your calls in
and hey, George, what's happening? Hello, Tom, what's going I'm
in I've got a vehicles that Igot out from a neighbor across the street.
You bought it from your neighbor.Pardon did you say you bought a
vehicle from your neighbor. Oh,I'm trying to Okay, Okay, I've
(37:36):
given her like four thousand dollars.She did send me the title. Now,
when you say you gave her fourgrand, do you have any kind
of a written agreement here? No, just all verbal and you just gave
her four grand? Well, becauseshe is in Hawaii, okay. She
called me up wanted to borrow fivehundred dollars because she didn't have any money.
(37:58):
Okay, okay, Now she said, okay, I'll sell you the
car. So she said, canyou send me a thousand? So I
sent her a thousand. She callsback, I need another thousand. Uh
uh, I give her. I'lltell you I've got about four thousand into
it. Now hold on it,drug addict. Well, I mean,
why is she asking for money cans? Are you sure? First of all,
(38:20):
are you sure it's her? Oh? Yeah, okay, So what
happened? Now? Go ahead?So she is in hawi. She requested
money up front, right right,So I didn't want to give her more
than twenty percent down. How muchis this car worth? Well, she
says she I can have it forfifteen and I think it goes for like
twenty five. Really, what kindof is it? It's a twenty sixteen
(38:50):
Lexus RX three fifty. Oh that'snot bad for that price. Yeah,
it's got only got twenty thousand mileson it. Okay. So she requested
money up front on a fifteen thousanddollars purchase. Okay, and you paid,
You've paid so far you've paid fourgrand? Yeah, okay, so
what's your question? Okay, shedid send me the title? Oh good,
(39:12):
Okay, Well that's a bad partner. Uh. Oh where she signed
it? Part of her signature wentin the old Domini reading square. Yeah,
and the motor vehicle won't accept itbecause of so I think it can
be in there just the old Dominareading nothing else. Oh come on,
well are you? So? Whatdo they wait? So what is their
(39:36):
solution? You get a duplicate title? Correct, and well, she doesn't
have an ID to get a duplicatetitle through the state of Colorado. So
I set her five copies to makeme a power attorney. So she has
to do a sign it, haveit notari and send them back to me.
(40:01):
I says, she doesn't have anID, she can't do it.
Yeah, I'm just wondering if there'sa lawyer and get it? Well,
all this or a lawyer is notgoing to help. I mean, you
can spend money on a lawyer.What I mean is this, What would
(40:22):
you want to do with a lawyerthat you can't do on your own?
Like if you want to sue her, that's different. You want to get
your money back, right, Well, that's different. Is she refusing to
give your money back. I've askedfor her, no response, and I
can't even get in touch with heranymore. Yeah, you're text her all
(40:45):
that stuff and no response. Soshe will not give you a power of
attorney. But even with the powerof attorney you're representing her, that doesn't
mean she can. She still needsan ID, right, Why doesn't she
have an ID? Well, Iguess she got a DUI in Hawaii,
(41:08):
wrecked a car and all this stuff. How long has she been in Hawaii?
I think since twenty twenty one,So this car has been sitting what
out there? Well, I wasin her garage across the street from me.
Do you have the car right now? It's been in my garage since
last October? Oh my god,I don't know. I don't know what
(41:35):
to tell you. Man. Youknow, get I get the she lost
her license because of the duy.But I mean, does she physically have
it as an ID. No,she doesn't have no idea at all.
Man, If she was in Colorado, you could go down to DGE a
card. Yeah, but but butshe would still need something to get the
card. Yeah, that's true.Yeah, so she doesn't have a burst
(42:00):
cergnificate. She doesn't have a passport, she doesn't have anything. Well she
did, she does have a passport, but it expired. God almighty.
I mean when she sold the housethe street from me, that's the only
thing that saved their expired but theminute, so she actually sold the house
(42:20):
and no longer lives there. Correct, That's why she hasn't been house on
them for any more money. Youcould have put a lien on that before
this all happened. Hey, goback to the title real quick. What's
in that box? What does ithave instead of the odometer reading? No,
no, it has the odometer?Does it have the odometer too?
Yeah? I wrote that in?But what else is it? Did you
(42:45):
try for the hele it for thehell of it? Did you try going
to another DMV and just not whatI was going? I did, But
the first time we went in there, my wife gave the person her ID.
So they flagged her. You knowwhat I mean? They flagged who?
(43:06):
They flagged my wife? Why?Because we're trying to get the title.
What do you mean they flagged her? Yeah, we didn't get another
title. It was our record thatshe was trying to do. I would
guess when they pull up that vinTom, when they pull up the vin
(43:28):
from that someone flagged in there,that the title's no good right exactly.
And the only way to get aduplicate title is to get this woman to
get an ID, then to applyfor it, then to send it to
you. Correct. Yeah, andeasily enough. She's in Hawaii. What's
(43:51):
that? Yeah, she's in Hawaii? Right. I don't know what to
tell you, man, I mean, I don't know how it to turn.
He's gonna help you, I mean, I mean, I mean you
could, you could, like yougot it. You have to sew her,
and I don't know. Can yousew her? Here? Is she?
She not even she's not even aresident here anymore? Is she?
(44:16):
Can you argue the transaction was donehere? I don't know. You want
to go on? But it's stillI mean it's still still she's still got
to have an ID. No,but he can get his four grand back.
I highly doubt this woman has anymoney. She just sold her house.
(44:37):
Yeah, the house was paid forwhat she sold it got it?
Do you know what it sold for? Hawaii? Also, what does she
do for work? Well, sheused to be an insurance but she hasn't
worked and probably eight years. Well, what's even if you even if you
(45:00):
went to Hawaii, the problem wouldstill be she needs to come back to
Colorado to get a duplicate title mark. Not if he just wants his money
back, he doesn't care fair enough, fair enough, Yeah, he just
wants his four grand to say,Man, well i'd rather have the car.
My wife really wants the car.Then you need to get an attorney
(45:22):
in Hawaii, and you can doa telephonic appearance. They allow those now.
So you need to hire an attorney. What part of Hawaii shi in
Hawaii? So you need to findan attorney there to sue her, literally,
sue her and compel her, tellhim the story or tell her the
(45:43):
story, and compel this woman tocooperate to get you a title. Okay,
you give that a shot. Imean, that's what you have to
do. You have to And ifshe goes to court out there, she's
got money. If she owns ahouse out there and she sold the house
here, she's got money. Soshe's not gonna want to waste money with
(46:05):
an attorney. Okay, Look whatI just found something. You can request
a duplicate title by mail with completedDepartment of Revenue Form DR two five three
nine A. So you're saying youshould just do it and turn it in.
Well, that's really all it says, man, And it's basically the
(46:29):
same thing. I need to geta duplicate title in Colorado, but I
moved to another state. Is thereany way to do it besides going there?
And they're saying this DR two fivethree nine A. Yeah, I
says it's online. Listen, it'snot even by snail mail. You go
to DMV dot Colorado dot gov andjust search for DR two five three nine
(46:52):
A and see what it is.Man. I mean, I don't know
how it would work, but it'ssomething. Okay, that number? Did
you get the form number? Yeah, I've looked that up before. Yeah,
and what did Why didn't you doit? Well, there's a few
forms that you can do, andone of them takes anywhere from three weeks
(47:15):
to six months to get the title. Well, guess what you've been sitting.
This has been sitting think a lawsuit. Take you. It's been sitting
there more than nine months, bro, Yeah, I know, so do
it. I mean, why notdo it? At least you got something
going on here? I would dothat. I would go and fill that
(47:37):
out, and I'll tell you whatI would do. But I want everyone
to plug their ears. I wouldjust forge the damn thing. And I
would I would. You know,I don't care what anyone says because there's
no criminal intent whatsoever. I Idon't care what they would say because there's
no harm, no foul. Noone except Trump would be prosecuted for it.
So I would say, I wouldsay, you know, what are
(47:58):
you going to do? You paidher? Uh, and you're gonna cat
and you you you don't mind payingthe rest? Although, man, I'll
tell you what. A woman's prettygood sign my name? What's that?
Oh? She did say that?Well, man, why don't you just
go ahead and take care of thedamn thing and just say, looking at
this form, we might fill thisform out. I'm looking at this form.
(48:22):
I would do exactly what time's alludingto. I would you can fill
all this out. You send ina check with eight dollars and twenty cents.
You can even put a different shippingaddress. You're gonna have to sign
it just like she did on thetitle you have. If you can't do
it, I'm sure you can findan eighteen year older fifteen year old was
(48:42):
already signed. No, I'm sayingyou look at her signature on that and
you're gonna sign this form? Okay, so why don't you do it and
let us know how it goes?We got more coming right up? Call
us lookie go with a sure thingDenver's best Ruffer Excel Roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance check up
(49:08):
free, no obligation comparison call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeoh three seven seven 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 oh three nine two zero sixteen
twenty two. Hi Tom Martino herethree oh three seven one three Tom three
(49:37):
three seven one three eight two fivefive. Bob, Welcome to the show.
What's going on with you? Bob? What's happening? Okay? Tom?
Oh? Hold on, this isBob or you're giving me a follow
up on a case. This isBob from l em Landscaping, Right,
yes, sure, and what areyou following up on a loan deal.
(50:00):
A call last week from the Springsabout his mom getting ripped off. Fight.
Yeah, two companies down the wall. So I went mill him yesterday.
The law was completely built illegally andwrong. The concert's done wrong,
The whole project was wrong. SoI gave him a price. And this
is kind of important. The wholeproject he originally given a price. His
(50:23):
mom was given a plus at fifteen. I said, what did you get?
He said, why fatally closer tothirty. I said, that's your
first clute. This project is atleast twenty five to do correctly. I
gave him my pricing. It wasabout twenty twenty thousand, plus the material
he needs. I wrote him aletter the clinic current company because of my
(50:44):
letter, because we're pretty sure he'sgoing to refund the money that she's out.
And so just to let you know, all right, what was what
was the name of that company?I want to warn people about it.
Well, wait a minute, hecame on air. You could probably get
Kelly to bring him on. Whatwas his first What was his first name,
Bob? It was Mark Uh.I just I just need his first
(51:07):
name, bro, I don't needhis last name. Okay, Well,
no, I think it's Brad orMark. He has two first names of
his name. I think Mark orMark Brad. I'm pretty sure this is
the one. Tell me if I'mright, Bob. Where the lady actually
got screwed by three different people?Why? Yeah, it actually am three
different people, but they're part ofthe same company that's screwed on the first
(51:29):
time. When did we Okay,when did you first? When did this
guy first call us? I wassaid last I don't know, last week
sometime. I think I just don'thave his spoken with it because I left
it at home. Because I gavehim all the information they need, I
get it. I'm just looking forthe call anyway. What's good news is
(51:50):
he contested it on his credit cards, so he had made those payments on
his credit card in his credits.She she gave him a deposit on the
credit card, and so that's whatwe're going to get back because they still
owe him eight thousand. I said, do not pay that eight thousand.
These people have suddenly disappeared. Theyfound out that they were shopping in another
(52:15):
county where they got their license revoked. Now they're not responding to him at
all once he told them that hefound somebody that was going to come out
and look at it, and thecity matched everything I said. Matt.
He went to them, they saideverything I told him was correct. It's
built war blah blah blah. Nowthese people are ghosting him. They're not
(52:36):
asking for the rest of the money. Wow. Well, so the other
thing I want to say, becauseyou kind of say this, sometimes when
the price that's too good to betrue, get get another price. Because
that price, that job is halfthe cost of what it should have cost.
But his mom did not understand it. That's how they got it.
(52:57):
And that's the kind of people Iended up helping. But they getting you're
right, you're right, they endup trying to go on the cheap.
They end up wasting money and havingto do it the right way to be
and it costs him more than itwould have in the beginning if they just
got it done right right, becausenow he's gonna spend six thousand dollars plus
all the dumpies to get it Rickout to redo it, and it would
(53:20):
have been it would have been roughlyeighteen to twenty five dollars job if I
would have done it. The versetime anyways. Well, the other thing
though, is if they didn't payupfront, they wouldn't be in this situation.
That's right, that's exactly. Yeah, you got I've had You guys
have to understand what time knows I'vebeen during those forty five years. I've
never had that problem because we Bob. We're not saying Bob, Listen,
(53:45):
I'm serious. I'm not saying youwould do this. I made a very
direct statement. If they did notpay those people up front, they wouldn't
be in this situation. You can'targue that. Yeah, that you're right,
big that just said that their creditcard coming just wanted a letter from
somebody very reputable. So Tom Iactually said that he can even verify us
(54:07):
on Martine. But I'm pretty surethey're I get that money back now.
I hope they do. Yeah,I'm pretty sure they will. And then
I'm he's already talked to me.I'm pretty sure he's gonna have me do
it. So if he does,I'll buy your buy you guys lunch.
Now, what is the name ofthat contractor again, it was some weird
(54:27):
name. I'll be honest with you. I can't even I couldn't even pronounce
it. I can't even find it. Yeah, I know, I remember
the call. I just can't find. Oh you were out, you were
out, bro? Yeah, Iknow. Okay he talked to Mark because
he wrote okay, okay, Andlike I said, he came on air
and swore up and down. Thisis before Bob went out that the wall
(54:47):
was done properly, there was noproblems. Then you know, he sent
pictures. Bob looked at the picturesand it is it's cylinder blacks, man.
I mean, it's like a tenyear old job. Yeah. And
here's the thing, and it's Iwant to make sure people know them send
blacks are made for walls. They'renot retaining walls. If you look it
up, they don't tell you theyhave more more chance of breaking in the
(55:10):
metal because they're not attaining wall block. The other thing that's got did is
the point of furner on the outsideof the wall. Raise the grade to
try to hide the heights of thewall so that wouldn't be illegal. That's
how proud he did this job.You know, as as you said,
people try to do it on thecheap and they end up spending more money
(55:30):
in the long run. It's reallyterrible, Bob, Thank you very much.
L em Landscaping. You can findhim on referral liss dot com.
And uh, we have more gowith a sure thing Denver's best roofer Excel
Roofing dot com. You don't paya cent until you're content. Time for
(55:54):
an insurance check up free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three all
three seven seven to one help.You'll think you're his only customer when you
choose Frank durand the real estate Mandot com to list your home with Remax
Alliance three all three nine two zerosixteen twenty two. Hey Tom Martino here
(56:22):
three O three seven one three talkthree oh three seven one three eight two
five five. We have open linesfor the first time this morning. We've
been talking about problems, questions andcomplaints. And uh, I just want
to gloat a little here because DanKaplis. I love Dan and he does
(56:44):
a great show. And then MarkMajor Mark Major, he was saying the
same thing. They could almost guaranteethat Biden will not be the candidate,
will not be running again, andeventually he's going to drop out or be
replaced. But just today they hada closed door meeting and these guys come
(57:06):
out more energized than ever behind him. What do you say, Mark?
I I have asked you this numeroustimes. Where you get your news?
It's crazy because I guys, it'sall remains and they're telling me I'm not
getting accurate news, Mark Shock pollKamala beats Trump, Hillary beats Trump,
(57:30):
Carville, Biden can't. I'm notsaying that. I don't deny any of
that. Here's what I'm saying.I don't think you you know, I'm
not disagreeing with you that he's theworst candidate they could have. What I'm
saying is he's not dropping out.Right here Fox News right now, Biden
tunes out critics with jam packed schedule. Where is this news that they're all
(57:52):
behind him? Is what I'm talkingabout. Didn't they have that closed door
meeting this morning? It was onNone of them like them? So I'm
asking you where are you getting theycame out? I was who was they
see in CNN? They said theycame out and they reaffirmed their support for
Biden. I was watching the headlineright here in the studio. By the
(58:15):
way, do you believe that alsthe headline from CNN? Hold on,
Many Democrats say, conclusion drawn fromthe House Democratic Caucus meeting followed by semit
Democrats gathering will likely seal his fate. Yeah, seal it as a candidate.
(58:37):
Uh, what do you guys think? Anyway? Listen, have you
seen the new EV truck from ChevyThe EV truck that looks like an avalanche
looks pretty damn cool. I havenot. Hey, I wanted to ask
(58:58):
you something though, real quick man. What's that? It's not political,
but during during if people go toYouTube and just go back a couple minutes
on our live stream, they'll seea picture of a dog in a bucket.
And this dog was next to usfor two or three days one hundred
and ten, one hundred and fifteendegree temperatures. Now during the day when
(59:19):
it was super hot, it wasin, but it was out all night.
It's not like it was barking.But it's literally a dog in a
bucket and we'll see it. Oh, that's cute. But if you look,
it was on a leash the entiretime, so it had all of
four feet. It was either onthe concrete or in the bucket. And
I asked the owner because finally,I'm like, you know, at first,
(59:42):
when I saw it, Tom,just like you, I'm like,
Oh, that's kind of weird,that's cute. But then when the dog
never left the bucket, I askedthe neighbor. I finally said, Hey,
that is something weird. A dogin a bucket. I've never seen
that. And the guy was likethis, he goes the dog loves a
bucket, And I'm thinking that dogspends the entire night outside in that bucket,
barely ever gets out of the bucketunless you get a little water.
(01:00:06):
I don't know, what do youthink, man, do you think that's
you think that's animal, animal crueltyor what. But the dog is not
trapped in the bucket. He it'sby the way, it's a big blue
bucket and it's not like a regularlittle bucket. But but anyway, the
dog can easily jump out of thatbucket, right, it can jump out,
(01:00:27):
and there's a little bowl of waternext to it. But it's on
that leash. It's got four orfive feet. If you had the difference
between the hot concrete or the bluebucket and Honestly, to me, that's
like a little bucket. I knowit's not a mop bucket. But the
more I looked at this dog,after two or three days, I started
going, I mean, should youcall animal cruelty? I mean, this
(01:00:47):
is crazy. They keep this dogin a bucket. He doesn't look at
YouTube. Go to YouTube dot com, type in Troubleshooter network and just go
back a little on the live feedand you'll see the dog, dog in
the bucket, and tell me whatyou think. How much is that dog
in the bucket? Oh? Thatwas pretty shot. We're not even gonna
(01:01:09):
we're not even dignifying that. Butanyway, here's the deal. I think
that the dog has a choice,and the dog is sitting in there by
choice. That's what I'm thinking.It is sitting in the bucket by choice.
But it's only other choice. Welllook at it. You see the
(01:01:30):
leash on it on the ground.Yeah, the other is on the hot
cement. Oh, I see whatyou're saying. Why doesn't he have a
dog? I wonder if somebody tossedhim a dog bed, if he'd lay
on that instead. You see that. I don't know, but the owner
said the dog has always I'm puttingit back up. The dog has always
(01:01:52):
loved the bucket. The dog sleepsin the bucket. He just hangs out
in the bucket. Why would adog always want Would a dog rather be
in the air conditioning? I mean, wouldn't a dog rather be anywhere but
a bucket? You know, it'sa weird one that when I saw it,
it looked kind of cute, andI didn't think anything wrong about it.
(01:02:13):
You know, when Suzanne first pointedit out. It's right out of
our kitchen window. When she firstpointed it out, I thought it was
the damnedest thing. Like the dogjust hopped in there like a cat would,
and it was a one time thing. But then I started realizing over
two or three days, the dognever leaves that bucket except to get to
water. Okay, So if youhave a problem, question or complain,
(01:02:38):
give us a call. We haveall kinds of things to talk about.
We do have some follow ups aswell, but I think some of the
things we're learning over recent calls.Okay, and this seems to be I'm
going to give you some trends thatI believe happened every year this time,
and we alluded to it in thelast call, and it has to do
(01:03:00):
with landscaping. Okay, here's theproblem I've always said with the landscape business.
Landscape business starts in about late March, okay, maybe April, and
then it goes really it can gothrough October and part of November, but
(01:03:22):
no one wants it at the endof the season. Everyone wants things sooner.
Everyone wants things to enjoy during thegrowth season and the display season and
the watering season. Not many peoplewant you to start a project in October,
(01:03:43):
finish it, and then have wintercome and not enjoy it until the
next year. So here's what happens. A lot of the good landscapers fill
up. It's that easy. Theyfill up their schedules. So a lot
of the bad landscapers that have openingsand cheap prices get filled up too.
(01:04:04):
And those people are desperate. I'mtalking about homeowners who are desperate to get
a landscaper at a reasonable price,will take the gamble. Well, they
don't even think they're taking a gamble. They pay up front. It's a
cheap price. And I'm not evensaying these bad landscapers are necessarily intentionally ripping
(01:04:29):
anyone off, but they don't knowwhat they're doing, and they come out
and do a lousy job. Andjust know this once, this is the
most fleeting feeling in the world.Once you have paid a deadbeat, whether
it be a landscaper, a contractorsomebody who told you they were going to
(01:04:55):
sell you a car, roofer aroofer. How about an investment advisor or
some I'm serious or good, somekind of investment mark. Once you pay
a dead beat, I don't carewhether they had the intent to rip you
off or not. You're never gettingyour money back. They can have all
(01:05:15):
the best intentions in the world.You're never going to get money back.
Years ago, years ago, mymother was very sick and dying, and
I remember doing this fifty thousand dollarsinvestment years ago, and it was a
guy who worked with me at Foxthirty one. I forget his name now
(01:05:39):
I know this story. So hegot a lot of TV people to invest
money on supposedly this airline that wascoming to town. And I mean he
had all the paperwork and everything,and it was they were It was not
a public offering at the time,No, it was. Wasn't it a
doughnut place? Wait? Wait,wait, I thought it was no,
(01:06:00):
it was just before they came totown that that could have been that you're
right, you're right, you're right. The the the the airline was something
else. But and that wasn't arip off. It just never happened.
But on this particular doughnut thing,I remember somebody saying, you know,
what was weird is that he wentto my bank and cashed the check an
(01:06:21):
hour after I wrote it. Itdidn't it seemed weird that he didn't.
He didn't like put it with someone, but it was cashed immediately. So
he was going up to Central City. His name is Scott something I forget.
Anyway, he was going up toCentral City gambling the money away.
And he there were some notable peopleby the way that were that invested because
(01:06:46):
he was in TV. And therewas some anchor women and some other people,
not anyone that I know personally,but I'm just saying. And I
was one of them, and andyou know, look at here's what happened.
The guy ripped everyone off. AndI knew, I mean, where
do you how do you ever getmoney back from a total deadbeat that can
(01:07:10):
never make enough money to pay everyoneback? Ever, so the courts he
was indicted by the way he wasindicted, and he was he was guilty,
okay, and did a plea arrangementto pay people back. Do you
know up until last year, andevery now and then a check shows up
(01:07:32):
for five or six dollars a month, maybe I get one of those two,
maybe ten dollars. I mean,can you imagine, you know,
making a fifty thousand dollars investment,or this person who made an investment in
that wall that we talked about,or people making investments, You'll never get
paid. That's why you have toguard yourself from these ripoffs, even if
(01:07:57):
they don't have criminal intent, becauseyou're never gonna get your money back.
Do you know how many people rightnow are in a position who have paid
people money with trust and will neverget it back. It's just something you
got to prevent because you're never goingto recover. Go with a sure thing
Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're
(01:08:20):
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 now three all three seven toseven to one. Help You'll think you're
his only customer when you choose Frankdurand the real estate Man dot com to
(01:08:41):
list your home with Remax Alliance threeall three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter threeoh three seven one three talk seven
one three eight two five five Mark? What's going on on with you?
Hello? Mark? Hello? Letme get you out with sure? What's
(01:09:04):
happening? Well, all, Igot a problem with let's come up?
Yes? Oh oh, sorry aboutthat. No, that's okay, You've
sound great now. I don't know. I'm hoping. I don't know if
you guys can help me out orif there's anything you can tell me to
(01:09:26):
do. I've got I lived downin Pagosa and I took my boat to
San Juan Marine. It's in Aztec, New Mexico, because that's the closest
place. That's the only place aroundhere. They've had it since December.
Now, now, why did youwell, why did you take your boat
in? Well, it had atrim problem. It needed to be reprogrammed
(01:09:50):
because it wouldn't trim up under power, So they had to reprogram the trim
okay, And where is the whereis az Tech? Where's Aztec located next
to Farmington? Okay? In Farmington, Okay, outside of Colorado, you
(01:10:11):
know, in the Four Corners area. Yeah, and uh so I was.
I got in there. They saidI got to wait for all their
winners and winterizations to get done andthen they could start on it. And
when did you drop it off?Month? I dropped it off late November,
early December. Okay, got it? And uh so? Uh I
(01:10:33):
waited a month or so. Theguy calls me. He says, oh
yeah, we'll get in and takea look at it. Wait another month.
Okay. He tells me, youknow you need a pump. This
thing's not put together right. AndI was like, okay, wait,
let's let's continue this hold on man, and I'll come right back to you.
I promise. We'll talk about hisboat, what's going on with it,
what we can do about it.And he wants to know about small
(01:10:55):
claims. I'm Tom Martino. Wegot a lot more happening. Three oh
three seven one three talk Go witha sure thing Denver's best roofer Excel roofing
dot com. You don't pay acent until you're content. Time for an
insurance check up free, no obligationcomparison call Compass Insurance. Pay too much
(01:11:16):
your coverage at dozens of insurance companiesfind out now three oh three seven seven
to one help. You'll think you'rehis only customer when you choose Frank durand
the real estate Man dot com tolist your home with Remax Alliance three oh
three nine two zero sixteen twenty tworips needed so you don't have come running
(01:11:45):
as fast as we can. ShowShooter's gonna help come six is the Troubleshooter
Show? No Tom Martine, HeyTom Martin here, and I welcome you
to the show. I like sayingthe only show if it's kind anywhere in
the universe, where we're solving problems, answering questions, taking complaints, making
(01:12:08):
life a little easier, and wehave a lot to talk about as always,
because our consumer life is really important. Now did that guy go away
or is he still here? Markwas talking about a problem He took his
boat to as tech Marine. Therehe is. Let me get my earpiece
(01:12:32):
on here, all right? Soyou took your boat to as tech Marine
in the Four Corners area in Decembertwenty twenty three. Now, let me
ask you something about the boat.What is the boat? Tell me about
the boat. It's a two thousandand six Ranger six twenty okay. Now,
(01:12:55):
you were having problems with it.It wouldn't te up under power.
You know, you couldn't use thetrim option under power. Okay, them
up at idle okay. So whathappened? Then the service manager finally got
to it and called me back andsaid, and this has been over a
(01:13:17):
month. You need a pump.You're missing a pump that you need.
But the pump has nothing to do. Pump has nothing to do with trim,
right, and it was an extraso it was extra work. And
he said it would be twenty fivehundred bucks for the pump and to install
it. Okay, but okay,did they tell you how much? Did
they tell you anything about the trimproblem? That was only going to be
(01:13:41):
an hour's labor okay, fifty bucksokay, So so he needed and so
what happened then? It's been okay, so he he ordered, he said,
okay, I'll order the part.So did you pay anything so far?
Nothing? So it doesn't sound likethey're trying to well, I'm not
(01:14:04):
it sounds more like incompetence than itis. Well, they've gone through.
This is the third service writer,and it's keep starting over from the beginning,
over and over. My question iscan I sue for loss of use?
Not in small claims court? Nope, Okay, you know you can
(01:14:26):
sue. You can sue for lossof use, but it's it's doubtful unless
they were negligent. You you here, let me explain about consequential damages,
which is loss of use, lossof vacation, pain and suffering, emotional
distress, whatever it is. There'sall kinds, hotel rooms, whatever.
In order to collect first first andforemost, they must be not just doing
(01:14:54):
it or not doing it, butthey must be negligent, you see,
not just liable. Liability is youtake on something to repair it, You're
liable to repair it or to attemptto repair it. But negligence is where
(01:15:14):
you purposely or you negligently drop theball. So that's a really big burden
of proof. I know you're sayingI didn't get to use my boat,
but you have to remember something.You have to make the case. Listen
to this, not only that theywere negligent, but that you were prevented
(01:15:39):
from taking it anywhere else, andif you did take it somewhere else,
you would have been able to useit. It's just not even worth the
trouble. It seriously isn't. Sowhat you need to do is just try
to get the damn thing fixed.So they have worked on and they have
(01:16:00):
done some things. I'm not surewhat all I mean. They keep ordering
parts and then they tell me,oh, there was the wrong part,
and they say every time I call, oh, we were waiting on a
part. Their last service manager whojust quit, was a real nice guy,
but he said we ordered the wrongpart. And so I said,
okay, uh, you know,I've been nice. I've been going along
(01:16:24):
with this crap ever since. Andhe said, so the last time I
called him, I'm a month anda half ago, he said, it's
it's on the order and it hasshipped. We expected any day. Now.
Called them today and they said we'rewaiting on parts. And I'm like,
this is ps this is not true. So if they've done that work,
(01:16:45):
can I go in there, hookto that boat and drag it out
of there without any It's your boat, you know, you can take it
anytime you want, and they canmake you pay for everything they've done thus
far. Well, but it hasn'tbeen completed. It doesn't matter. This
is going to go have to goin there and finish what they've done.
Listen, listen, Mark, Well, I'm not disagreeing with you, but
(01:17:10):
if they put new parts in thereof any kind, they need to be
paid for those. Well, okay, if they put any new parts on
it, and like I said,the hour for the trim, but all
the things that they've disassembled, youknow how hard it's going to be to
get somebody else to reassemble somebody else'swork. You can go and get your
boat. Then you're going to havean argument as to what is value and
(01:17:34):
what is not Again, Okay,why are they not putting it? If
everything is done, why are theynot putting it back together? It's in
confidence? Well, you mean everythingis done. They've had they're on their
third service rider since December. That'swhy. No, it's not done.
(01:17:56):
He just called me and told methey're still waiting on parts. The last
time I talked to their last UHservice writer, he said the parts have
been shipped. We expect them anyday. Okay, now we get to
call all the timetime but it's usuallyr v's, not boats or cars.
Now, Mark, can you verifywith other boat dealers that these parts are
(01:18:18):
not scarce? I don't even havea parts list to start with. Well
did they get did they get thepump in? By the way, he's
got the pump, he says hedoesn't have the tables to connect it.
(01:18:40):
All right, So you can haveyou called around to other marinas at all?
No, I haven't. I mean, the only place I could call
would be Dender, and that wouldbe they would get me in probably next
January. Oh my god, whatwhat are there any other marinas down down
below there? Well, there's some. There's something uh in Albuquerque that's five
(01:19:06):
hours away. Also, listen,I'm gonna have I'm gonna have one of
our deputies here call dak Why don'tyou deputy chop it. I'm gonna have
him call down there during the showand just say, listen, this guy
doesn't have an unreasonable request. Whatexactly is hanging it up? And we're
not going to like be accusatory,but maybe if we start probing, they'll
(01:19:28):
think, oh man, this guyis like whoa you know? And and
he's he's making noise and maybe you'llget some grease being the noisy wheel.
Hang on, and uh, whydon't we try that chopper? Just call
down there and see what we cando. We'll do three oh three seven
one three talk three oh three sevenone three eight two five five. Can
(01:19:51):
you bring John Fuller up for asecond. I have a question from text.
John, you talk about U.This is you happen to be here
for your spot, So I wantedto ask you this. I got a
text. How important are dash cams? They're seeing more and more of them,
(01:20:11):
they're thinking about buying one, Sotell me about it. I mean,
how important do you feel they areto have it nowadays? Well,
Tom, here's the deal. Imean, all that's got to happen after
an accident is for the other personto get out and say it wasn't my
fault, and then you have adisputed liability accident. The beauty of a
dash cam is that, no matterwhat the different parties say, no matter
(01:20:33):
what the cop writs and they reportand believe me, they get it wrong
from time to time, you havea full color, four K video of
the actual crash occurring. That eliminatesall of that, he said. She
said that eliminates any issues about whatcolor of the light was right green car
(01:20:54):
ran through the red light before allof these things that get in the way
of accepted liability and getting insurance companiesto do the right thing are out the
window as soon as you have thisfull color video of the accident. So
for less than one hundred bucks,you can put a great dash cam on
your dash and you'll have that protectionso that no more do you have to
worry about that Yahoo that gets outswearing up and down that your fault for
(01:21:18):
the accident and that they didn't doanything wrong. It's well worth that money.
So John, do they continually loopover so many days or how does
it work? Yeah, yeah,exactly. There's an SD card that is
in the unit and it continues torecord over the oldest, you know,
the oldest recording and then most ofthem. The coolest thing is they have
(01:21:40):
a sensor so that if you go, if you get in a crash and
it senses that you know, thiscollision occurred, then they automatically bracket out
and save that portion of the audioand the video so that it can't be
recorded over. And so that's areally cool feature that's good I've actually had
people tom that that witness an accidentpull over, pull their SD card out
(01:22:01):
and walk up and hand it tothe cop and say, my you know,
dash camera recorded this, and I'vegot a full color video and here
it is. So, I mean, this is great technology. I predict
in five or ten years, everynew car that's on the road will already
have them built in and forever moreand not have to worry about, you
know, buying our own. Butfor right now, go out spend the
(01:22:23):
money. Yeah, it's such anIn fact, I think I think Tesla
has video that you can I don'tknow if you can record it, but
I I think my son, forexample, somebody tped his car and I
think he was able to go backand look at video. I don't know,
Mark, I don't know, Mark. Are you still there? Yeah,
(01:22:44):
they have it so you can lookat who's looking at your car and
walking around it, right, Yeah, if you have Century mode on.
And then also I'm not sure abouthis, but the model I have,
if something's getting ready to hit you, or you know, an accident happens,
it can basically start recording three secondsbeforehand. I'm not sure how it
(01:23:04):
does it, but it does threeseconds beforehand. Okay, so it's like
it's continually recording but not but notreally right right right or continuity? Yeah,
okay, anyway, thank you,John. I appreciate that we have
more coming up on the Troubleshooter Show. Go with a sure Thing Denver's Best
(01:23:29):
Roofer Excel Roofing dot com. Youdon't pay a cent until you're content.
Time for an insurance check up freeno obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurancecompanies find out now three O three seven
to seven to one help. You'llthink you're his only customer when you choose
Frank durand the real estate Man dotcom to list your home with Remax Alliance
(01:23:54):
three oh three nine two zero sixteentwenty two. Hello, I'm Martino here.
So I've done a little research onconsequential damages as a result of broken
stuff. Do people have responsibility toyou for pay for damages? It goes
way back. People were doing that. For example, we had people who
(01:24:18):
went to a special event. Inone case, it was a prize fight,
a heavyweight championship fight. Many yearsago. I handled this case and
they took their film when we hadfilm in to be developed, and they
(01:24:38):
ruined it. So therefore the entiretrip, and he said, was ruined.
But he got to see it.Remember, he just didn't get to
record it for posterity. So whatwas the ode? More than the actual
film, more than the actual photos. The man never was able to collect
(01:25:00):
anything. He talked to attorney afterattorney after attorney, and unless they did
something really stupid or intentional or negligent, it's you can't. You really can't.
Well, you can try to recover, but you most likely won't.
(01:25:23):
Now, there are so many caseslike this. There have been people who've
rented a boat or an RV.They've gone on vacation with it a rental
and not able to use it.Now in those cases, oddly enough,
with RVs, they were reimbursed waymore than just the RV because the consumer
(01:25:47):
was able to show that the personwho rented them, the dealer that rented
them the RV, did not checkout the RV or do their dude diligence
as they should have in between rentals. Had they checked out this one RV,
they would have seen that the RVneeded some service. As a result,
(01:26:13):
this person who rented it did notget the benefit of using it the
entire time, and in fact itdid ruin the family's vacation. So not
only were they refunded the money forthe RV, but they were given compensation
for mist vacation and all of that. But it is such a battle.
(01:26:35):
That's why it's always best to doyour due diligence beforehand rather than trying to
figure out what you can get fromthem. Now, there's another thing called
mitigation of damages. For example,if you lose something as a result of
(01:26:57):
it not working, and you're onvacation, like scuba gear, and you
want to sue as you weren't ableto scuba dive, and you went all
the way there just to scuba dive, you have to show that there was
no way to mitigate that. Whydidn't you rent scuba gear where you were
even though it wasn't optimal. Atleast you would have done some scuba diving,
(01:27:20):
and you wouldn't go after the scubaplace here who rented it to you
for all of the loss. Sothere is an obligation at times to do
what you can to lessen your loss, to mitigate your losses and that's a
foundation of many, many, manylawsuits in the past. Did you try
(01:27:45):
to mitigate your damage? Did youtry to make good with what you had
or lose the least amount. Oneof these things happened with roofing or plate
glass windows from store owners. Theylose the front window at their store now
(01:28:10):
in a storm or in a windstorm, or in vandalism. Obviously they're not
responsible for that damage. But ifthey say to themselves the hell with this
and they go home, or theyjust ignore it and their store is looted,
if they had the opportunity to boardit up the best they could and
(01:28:30):
to make it more secure, thenthey don't just get to run. They
don't just get to collect on everythingthat they lost as a result of that
windstorm. They have an obligation.They don't have to make it perfect,
but they have an obligation to tryto mitigate those losses. So when that
guy called about his boat, youknow what, I sense his frustration.
(01:28:55):
But consequential damages are very seldom awarded. There's something else when it comes to
shipping things. I once had aguy who tried to make the argument that
because he used I think it wasFedEx or one of the services to send
(01:29:16):
payment and contracts back and forth,and they were lost. He lost out
on a real estate deal. Therefore, the real estate deal would have been
worth x amount of dollars to himand he lost it. That is such
a stretch because those taking on theservice of delivering something never agreed with you
(01:29:42):
that they're going to be liable fora million dollars. Had they said,
Okay, this is a million dollarsyou want me to take responsibility for,
then you're going to pay accordingly.You don't just get to pay a normal
rate and then claim some down theroad that you lost a million dollars as
a result of it. That goesfor all kinds of claims. Three oh
(01:30:08):
three seven one three talk seven onethree eight two five five. The most
trusted brands in the United States fortwenty twenty three and part of twenty four.
What do you think the number onebrand? I mean, there are
so many brands it's almost impossible.But if you had to take a stab
(01:30:31):
at it, could you name anyof them in the top ten? Any
of the most trusted brands. Nowthis is based on sales surveys, satisfaction
surveys et cetera. And this isput together by Mourning Consult. It's a
(01:30:53):
brand intelligence, a company that doesresearch. Okay, what is the number
one brand? If you had totake a guess, what is it?
I never would have picked this Toyota. Let me see if you actually it's
not even in the top ten.I'm not saying it's bad. No,
can you just try to name anythingin the top ten, Just any brand.
(01:31:15):
I know it's so open it's difficult, but name something that comes to
mind. Uh yamaha. Kelly's sayingAmazon is Amazon brand. She's right,
she found one in the top ten. I'll tell you what number it is
after the break. But Amazon's inthe top ten. What else would you
think? Here's one that shocks me. There's only one here that shocks me.
(01:31:41):
Sony. Sony's not in the topten. Cheerios. Cheerios in the
top ten. Cheerios You're good foryour heart? Well maybe Mark, maybe
the marketing did that. He couldbe right on that. They're their own
brand. They're not like General Millsor Post. And it says cheerios nut
(01:32:01):
Oh, I'm sorry, hold on, hold on, no, No,
it's Cheerios cereal. Yeh, it'sCherio cereal It. Yeah, so Amazon's
there, Cheerios is there. We'lltalk about more coming up. Go with
a sure thing Denver's best roofer ExcelRoofing dot com. You don't pay a
(01:32:25):
cent until you're content. Time foran insurance checkup free, no obligation comparison
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate Man dot com to list your
home with Remax Alliance three oh threenine two zero sixteen twenty two. Hi
(01:32:53):
Tom Martino here three oh three sevenone three talks seven one three eight two
five five Kachina Chlory was able toidentify one of the top ten most trusted
brands according to this latest survey,and Amazon is in position number three.
We've been brainstorming back here, whatabout Apple, Google or Now, by
(01:33:14):
the way, this is general brandsof all categories. I'm going to break
down categories. But of all categories, Cheerios is number six. Now I'm
going to read the top ten becausethere's no rhyme or reason. But these
now, remember these are based notjust on sales, okay, it's sales
per it's not really sales, it'ssatisfaction, and it's positive impressions, and
(01:33:38):
it is loyalty okay. And it'sbased on the survey by Morning consult.
Now remember one year is Mark stillon Okay. One year Mark really criticized
this because he said they were wayoff. They had some wild ass stuff
on this list. But here's whatthey have this year. Number one is
(01:33:58):
band aid. I am suck onbend Aids because bandes suck on me anyway,
band Aids right. Number two,Now, I totally disagree with this
one. I think they're one ofthe worst companies in the world. Not
in the world, I'm sorry,but they're terrible. They have no accountability,
they don't honor claims, and that'sups. But it's number two on
(01:34:23):
the top ten. Number two ups. Number three Amazon, I can see
that. I have never had aproblem with Amazon. You need customer service.
Whatever you want, you want toreturn something, you know, go
and run it over with your truckand return it. I mean, it's
just amazing. Number four I suspecthas to do with COVID I do,
(01:34:46):
I really do. Even though we'reout of COVID. I think a lot
of people they were wiped off ofstore shelves, and a lot of people
toilet paper liesol Oh, but speakingof paper. Number five is Kleenex,
the brand Kleenex, not tissues.I mean they are tissues, but people
(01:35:12):
use them interchangeably. Okay. Cheeriosis number six. Why number seven is
a credit card? I have noidea visa number eight. Never would I
believe this ever, because I don't. And it's a bar, it's not
a liquid I've not used a soapbar. Well, I do. Can't
(01:35:36):
even remember last time I used thesoap bar of soap, but Dove soap,
Dove, not the soft sup butDove. I use liquid stuff.
Well do you ever use a barof soap ever? On the hand stuff?
I pump. Come on, chopper, you don't use a bar of
soap in the shower this morning.You guys are old farts. You can't
(01:35:58):
use a bar of soap shower gellike I use axe baby or something like
that, you know. Anyway?Fourteen? Anyway, that's number eight.
Number nine the Weather Channel, Iswear to you, the Weather Channel.
These are the most trusted brands inthe United States number ten FedEx. Can
(01:36:21):
you believe on the top ten there'stwo shipping companies three Amazon's like a shipping
You're right, you're right. Sowhat do you think about those mark this
year? Remember that one year youtotally disputed, you said this is the
most stupid. Oh I thought Iheard them. Okay, I'm sorry,
all right. Now let's talk aboutfour travel and hospitality again. So many
(01:36:48):
of these I disagree with. There'san airline on there. There are one,
two, three, four, fivehotels, hotels, and there a
travel site. What airline would youthink is in the top ten for satisfaction
and popularity? Trust and trust iswhat they say. My gut wants to
(01:37:14):
say Southwest, just because I knowthat they're cheap and reliable. It's pretty
hard. I would have thought eitherSouthwest or Delta. Probably yeah, United
or Delta. You never hear badthings about Delta, But it's United United
Airlines. They're number nine now.The number one trusted brand and travel and
hospitality is Holiday inn. I don'tthink I never I don't see Holiday inns
(01:37:41):
anymore. My eyes just a glossover them. I I don't think I've
stayed in a holiday in uh.Number two, what were you to say,
dollar, No, I see holidayinns all the time. They're nice.
Yeah they are, okay. Idon't doubt that. Number two is
Triple A motor Club. Actually it'snot the motor club, it's the travel
(01:38:01):
agency AAA Travel. Number three isMarriott, now the Marriott chain. They're
good. I like Hyatt personally,and Hyatt does come in here, but
forrest Hilton. Five is trip Advisor. I've not used that one. Six
is Hyatt. This is just fortwenty three twenty four. Number seven is
(01:38:25):
Expedia, number eight, Best Western, number nine. That's where United comes
in and tend the comfort in.So that's travel and hospitality. But you
would be shocked around the country,I mean around the world where things are
most popular. Like Dragon mentioned Toyotait is the number one brand in Japan,
(01:38:54):
And what do you think Alipe isthe number one in China? Alli
pay is that part of Ali Baba. It's a phone, OLLI pay.
It just says Ali pay. Ihaven't and Toyo so Toyota PayPal? Do
you know where PayPal is number one? Why? I have no idea Germany?
(01:39:16):
In the United States, it's bandaids. Of course, Google is
number one in two countries, Indiaand France. And Boots it just says
Boots. I think, yeah,they're Boots. In the United Kingdom,
In Italy, What's App is themost trusted brand, and in South Korea
(01:39:44):
Samsung just some weird stats there.Three oh three seven to one three talk,
or you can call three oh threeMartino. And by the way,
you can call that honor off theair, and when we're not here,
if you leave a message, we'llget back to you. Go with a
(01:40:05):
sure thing Denver's best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Time for aninsurance check up free, no obligation.
In comparison, call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three all threeseven to seven to one help. You'll
(01:40:26):
think you're his only customer when youchoose Frank durand the real estate Man dot
com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two. Hey, I'm TomMartino here. Welcome to the show.
Three o three seven to one threeTalks seven one three eight two five five
Frank durand the real Estate Man forfree market valuations. If your home,
(01:40:46):
what does that mean? You know, if you're thinking about selling, upgrading,
moving across town, moving out oftown, you want to know what
your house will sell for. Youalso want to know what you'll net and
what you can buy. He cando a full analysis, not just for
the Denver market, but wherever youwant to move. And it's free,
truly, no tricks, no gimmicks. He's been servicing people like this for
years and that's how he's gained hisgreat reputation. Three oh three nine to
(01:41:12):
zero, sixteen twenty two Frank durandthe real Estate Man dot com. Now
let's talk to Gregory, who wantsto talk about a contractor. Hi,
Gregory, what's going on with you? Hello? Tom, Thanks for taking
my call. What's happening is,there's a lot going on, and I
totally did not expect to be talkingto you, to be honest with you,
(01:41:35):
I just wanted to, well,let's find out. Let's go pick
my brain. What's going on?Man? All right? I need to
open up my notes to make suresure act. But you can also just
give me some general information as well, and we don't need exact details in
the beginning, but go ahead,okay. We we had a contract to
(01:42:00):
come out in early October and inNovember time frame, and we found what
we were looking for, which isto get an overlay on our concrete.
And did you actually did you actuallyhire the contractor? We did hire the
contract and who is it? Whois the contractor? The This is where
(01:42:27):
I wasn't prepared and I, oh, it's okay. So you hired a
contractor in November to do an overlay. What happened? Basically they were able
to do the sidewalk first, whichwas a rip out and repair replace rather
okay, and that was fine.That was part of the deal, and
then we had plans after that tostart the overlays on the concrete. Now,
(01:42:54):
when you talk about an overlay,people use that expression for different things.
Is is it an overlay like acoating or is it an overlay like
another lift? Like two inches?Well, the minimum, I'm sorry,
the maximum is around a half ofan inch to three quarter. We've since
(01:43:15):
had it done correctly, yeah,because overlays hardly ever work. When you
say you had it done correctly,did they do just a thin layer like
that that worked. They did Ourconcrete was excellent in order to have it
(01:43:35):
be accepted because it was in suchgood shape with no cracks. It's just
it was flaking in just a Sowhat did they did they beat? So?
Did they kind of like rough up, scuff up the surface, sand
it down, grind it and thenoverlay. The first company that ran off
(01:43:57):
with money did not the second company. I'm very interested. Listen. I
am very interested because I have notheard of many successful overlays. How how
long has that second company's job beenthe been complete? That was completed last
week? Wow? Okay, sothe longevity hasn't been proven, but I
(01:44:19):
hope it does. Now hold onand we'll come back to how to go
after this older company that ran offwith money. I don't like hearing that
at all. If you've been justto hold for a few minutes, I'll
come right back to first out ofthe gate. I'm Tom Martinez. You're
listening to the Troubleshooter Show on sixthirty KHW. Go with a sure thing
(01:44:42):
Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're
contenth time for an insurance check.Up free no obligation comparison call Compass Insurance
paying too much your coverage at dozensof insurance companies. Find out now three
oh three seven 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
(01:45:06):
Remax Alliance three all three nine twozero sixteen twenty two, Ripped News.
You need advice who you don't have? Come running as sass as a cam
(01:45:27):
Shooter's gonna help. Come man,This is the Troubleshooter Show. Now,
Tom Martino, Hi, Tom Martinohere, Welcome to the show. Three
oh three seven one three talk threeall three seven one three eight two five
five. What is going on?And how can we help you? This
hour brought to you by Dan mackenziefor a state planning. If you need
(01:45:53):
a will, a trust, orany combination thereof, or you want to
get together an estate plan. DanMcKenzie he is available and he's a great
guy. We've known him for afew years now, Dan McKenzie, McKenzie
Law. And here's the number eightthree to three COO Plans eight three three
(01:46:17):
co Plans or the website co plans. Dot COO Gregory wants to talk about
this now where we left off,as he hired a contractor in November to
do concrete overlay in some replacement.The first company ran off with money and
did not do the job or didnot do it correctly? Which one is
(01:46:39):
it? They did not do thejob, and Tom, I just wanted
to let you know I connected tomy wife. She's also on the line,
Teresa Good. She was the frontlinein dealing with with l Now are
you the first company that took offwith the money? They did absolutely no
(01:47:01):
work at all, because that canturn into a criminal complaint. They did
what they did the sidewalk, youknow, which just was the re ripout
and replace right? And how much? And then how much was the whole
job supposed to be? Hi,Thomas, Teresa, My entire project was
(01:47:29):
twelve was supposed to be twelve thousand, seven hundred and fifty six dollars.
Okay, Now, just the firstcompany, how much did you pay them
in full? So far? Thefirst company only yes, So we paid
them out of pocket and the streethold on here for me just quickly time
three would be five hundred and sixtyseven dollars okay, so about ninety five.
(01:48:00):
Now here's the deal. So theydid part of the work and took
off basically, yes, okay,And there was a lot of communication going
on for why and what is thecontractor's name? So the name of the
(01:48:21):
company that he supposedly owns is CustomDesign Concrete and his name is Alfred or
exposed by L Servants CEV I'm sorryc E r V A N t ees.
Okay. So Servantes does part ofthe job and then walks off the
(01:48:45):
job. Now, can you,for argument's sake here just to help you,
because I know you're going to askabout what to do about this?
The part that he how much valuedid you get for the ninety five hundred?
I well, I believe what hetook from us and owes us is
(01:49:05):
thirty one hundred and eighty nine orthirty four hundred, So you feel so
you feel you got about six grandworth of work exactly? Okay? And
what does he say about this?Or can you not find him? We've
been communicating by text messages, butthen it finally ceased. He doesn't reply
(01:49:28):
at all anymore. He is denying. Well, basically, he just continued
to say he was going to comeout, come out, come out,
and do the job. Never did. And you know he was going to
have this done for us by December, and we were finally set up because
we have no we have no patiofurniture in our back. Everything was just
a disaster. He had tried toput an overlay and it turned out.
(01:49:54):
I mean, I have pictures.It's horrible. It was Wait a minute,
so wait, wait, whoa,whoa. So when you said he
did the replacement and took off,he really didn't. He attempted to do
the overlay, like maybe not evennot even a fourth of the overlay.
Okay, I got it. Doyou think he realized he was over his
(01:50:16):
head and took off or do youthink it was his intention to rip you
off? No? Yeah, wellI think both. Actually, if I
were to be really honest, Joywas sick in December. He gave us
I which I'm you know, I'msorry if anybody ever lies about this,
(01:50:36):
but he said that he had stagefour liver cancer and we gave him lots
of space. Do you think he'slying? Do you think he's lying at
this point? Yes? Okay,Now, next question, what did the
second company do? Is everything cool? Right, now with the second company,
(01:51:00):
Yeah, how much did you paythem to how much did you pay
them to complete the job? Greg, do you remember off the top of
your head. I would have tolook hold on I believe Okay, so
the numbers work out basically. Basically, this guy was in over his head.
He took off, but under theContractor's Trust Act, he's not allowed
(01:51:25):
to be paid ahead and keep themoney. It's a slam dunk to get
the money back in small claims courtto get a judgment, but then he
may not have a dime to goafter. What do you know about this
Servantes? He said that he wasshort at one point and needed an advanced
payment in December to pay his employeesthat he hadn't paid profile And that's when
(01:51:49):
Teresa was nice, No, no, I get it. But what do
you know about him now? Ishe still working? I believe so.
I believe so because he's actually toldme that he in several occasions that he
said he was going to a joband that yep, he's got me on
the schedule. He was going toyou know, be over in a couple
(01:52:10):
of days, and then it wentfrom one line to the next to the
next. So yes, I dobelieve he is working. Okay, last
conversation Tom was he said he needednew material that helps it bond better.
And I asked for the name ofthe company that he was checking with on
this bonding material. He said itwould be available July nineteenth, and I
(01:52:34):
said, can I please get thename of that? This was via text.
He never received returns calls. Allright, so I please get the
company now, right, We're goingto We're going to get somebody. We're
going to get somebody to try togo after him. But here's the deal.
Remember, it's only as good asthis guy. I mean, if
the guy's a total shlock, I'mnot sure there's much you can do.
(01:52:54):
But I also suggest that you try. He just get it a record,
to get a letter from this newcontractor and maybe go after the other guy
for the thirty five hundred bucks orwhatever and do it. Just go after
him small claims court, show whatwas done, show what you paid,
(01:53:17):
and show what he owes. He'snot going to show up. You'll probably
get a judgment. But I wantto tell you something that's not entirely useless,
even with a deadbeat. Let meexplain something. If you get a
judgment. It stays on there formany years, and you can go after
accounts receivable if you find out wherehe's working. You can go after tools,
(01:53:42):
you can go after equipment, youcan go after vehicles. Unless this
guy is such a cheater he hasplanned for all of this. Yeah,
that's what it feels like, honestly. And that's a great way to describe
it. Now from the letter ofthe current contractor, event include what they
had to witness as far as hisshoddy workmanship. Well, well, no,
(01:54:08):
here's what you need to know.You need to have valued what he
did and how much you're owed.That's all you need. So in other
words, you paid ninety five hundredand according to this new contractor, what
he did was only worth this amountof money, and that's it, you
(01:54:29):
know. And maybe if he costyou money with the bad overlay that had
to be removed, then you subtractthat. So at the end you have
a net loss or a net gainor whatever. It's not going to be
a gain. So what is yournet loss after dealing with him? And
that's a very reasonable way to goabout it. Now, I'm also going
to let Deputy Dollar give him acall on one of our people right here.
(01:54:54):
We call him a nickname, DeputyDollar. We're going to have him.
We're going to see if we canget a hold of this guy and
and maybe scare him about the Contractor'sTrust Act, because when they knowingly keep
funds that have not been applied toa job, it can turn criminal.
Okay, now where you located?In general, don't give me your address,
(01:55:15):
but where you located we felt,Okay, hold on a second,
Deputy Dollar, I'm going to givethis to you. Let's see if we
can scare him into giving them athree grand or so. Meanwhile, Gregory
and Teresa Dollar will also go overwith you how to go online and start
(01:55:36):
that small claim suit. Go witha sure thing Denver's Best roofer Excel roofing
dot com. You don't pay acent until you're content. Time for an
insurance check up free, no obligation. In comparison, call Compass Insurance.
(01:55:58):
Pay too much your coverage? Doesof insurance companies? Find out now three
oh three seven 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. Hi Tom Martino
(01:56:18):
here, Welcome to the show.Three O three seven one three eight two
five five. Let's talk to Cameo. Cameo, what's going on? Well,
yes, my daughter is supposed tobe receiving child support and now hold
on, does she have a courtorder for child support? Yes? And
(01:56:39):
and and it's for how many kids? One? Okay? Go ahead,
dear, Okay, so there wasthere's just a lot of information, long
story shorts. My daughter's been receivingeighty two dollars a week for child support,
which I mean, let's be honest, it doesn't even begin to cover
foods, right, right, right, anxiety. But that's besides the point.
(01:57:03):
So eighty two dollars a week lastweek? Got it the same text
message? That does it actually readeighty two dollars a week and not per
month? Correct? Okay, that'sweird. Okay, go ahead. And
it's an actual court order. Andis this the biological father? Correct?
Were they ever married? Yes,we are technically still married. I left
(01:57:27):
him over two years ago. Ohit's you. I'm talking to you.
I thought you said your daughter oryou have a daughter. Yeah, my
daughter is a miner. I getit. Okay, dear, I get
it now, go ahead, cameoright, okay, So there's Last week
I got the same text message thateighty two dollars would be deposited into my
account because she's a minor. Andis it taken out of the by the
(01:57:51):
childcare registry or is it done byhim voluntarily sending a check? No,
he wouldn't voluntarily help anything or anybody. He owes over one hundred k in
child support for his other children thathe claimed many children. So hold on,
So does the county take it outfor you? Or the state?
(01:58:12):
Yeah, okay, go ahead.I think it's a Rappahoe County. But
they have been doing weird stuff tomy account, and well, what's going
on? What's the problem. Solast week I got the same text message
that it would be deposited into myaccount, and I know it was a
holiday, so I didn't It wasn'tthere when it was normally there, So
I waited a few days. Iwas like, okay, it's probably because
(01:58:34):
of the holiday. And then Inoticed I was going to log in to
make sure that everything was okay,and the piece of paper that I had
my username and my password was rippedoff of the bottom, so I was
like, okay, well somebody probablytook that. Wait a minute, I
ripped off the bottom of what Sowhen when I first got child support,
(01:58:56):
they sent a letter with information onwhere to sign up for an account,
on how we received them right,And when I email them, they're like,
oh, yeah, it looks likeit's been you ordered a card and
the money's been going to your card, and now it's going to your account.
I never ordered a card. Butwhat do you mean? So you're
saying that someone started an online accountfor you? I started. I went
(01:59:25):
online, I signed in, andI decided how I wanted to have the
money, and I signed up fora direct deposit to have it directly deposited
into my account. I never wanteda card a third party, because that's
just that causes. I get it. Then, what happened that the checks
have been going into your account?Right? Correct? We've been getting eighty
two dollars a week because he getspaid once a week. So the only
(01:59:46):
check that was not put in youraccount was the last one. That's what
it appears to be. Yes,Now, hold on, Let's just say
someone did get access to your accountand they hacked it and they have a
card. Now, are you able? The very first thing I want to
do is stop the bleeding? Wereyou able to put a stop to that?
(02:00:12):
No? So I called the ladyon the phone and she literally said,
I'm about to hang up on thislady and make her lose her mind.
And I was like, I'm stillhere. And she was like,
oh, I'm really sorry if youwere offended by that, and I'm like,
yeah, yeah, but hold on. Why would she want to hang
up on you? What were youdoing? I was calling to figure out
what is going on with my child'smoney? Okay, what is going on?
(02:00:36):
Do you know? No? Theytold me to call the simone or
whatever card it is. They saidto call them and to see what the
balance is and to order a newcard. I said, I never ordered
a card. Okay, I triedto call that. Cameo, put your
card, CAMEO, listen carefully,okay, right now? Can you go
(02:00:56):
and sign on right now? Ordid they change your did they change your
log in or what? Can youlog in right now if you wanted to?
Nope, they have taken my informationand they have changed it. I
never did anybody I get it?So you have no ability right now to
get into your account. Correct,All right, now you need to go
(02:01:21):
into the office and have them stopwhatever access is on there. Okay.
When I went there last time,the lady was very condescending and very rude.
I will go back. No,no, no, no. Do
you have which office did you goto? Did you have to Well?
(02:01:45):
When you say a rap hole countyspecifically, what office? A county?
Human Services off of Alameda, rightacross the library. Okay, gotcha.
Now when you go to human Servicesdo you have to make an appointment?
Last? I don't know. Sometime, I honestly don't know whenever I've gone.
(02:02:08):
You said you've gone in there andsomeone was rude to you. When
did you go in? I wentin a few weeks ago to speak with
them, and I didn't have anappointment or anything, and they told me
they were going to have a familyresource navigator give me a call. They
called me like four days later.And this was about like trying to get
(02:02:29):
assistance to that at my parents' house. If I told you what I've been
through in my story, you wouldbe no, no, I know.
I don't want to go through itright now. What I want to do
is try to just stop the bleedingright now. We got to stop access
to your account. There's got tobe a way to do this without pulling
teeth. So when you call themand say someone hacked my account, please
(02:02:50):
do not disperse any money to thatcard, what do they say? They
told me to call the the placewho issued the card and to give him
my card number, which I don'thave a card. That's what's stupid.
They're telling you to do something youcan't do because you don't have the card
(02:03:12):
exactly, and they don't listen toyou. Nope, come on, do
you have the name? Okay,do you have the name of somebody you've
talked to? My chief manager isAngela, and apparently she's not in the
office. I've been emailing with Lynnat a Rapaho County and she's the one
(02:03:34):
who told me to call the tocall the place and to give them my
card number the balance. So thisLynn that you've emailed, who is she?
She worked for a Rapaho County andwhat does she do? Let me
see what her title is like?Is she in human services there? Yes,
(02:03:57):
let me see. I have thisemail out here. You know,
it's funny they call it human services. Why wouldn't they just call it services?
But anyway, right, so theFamily Support Registry customer service. That's
what you want, okay, Ineed Here's what I need you to do
for us. I need that nameand email, and I need whoever else
(02:04:20):
you talk to along with your nameand number. Give it to Kachina.
I'm going to write an email.Then I'm going to give it to somebody
to work on. I'm not surewho yet, Kachina, but I'll take
the first round and write this letterto the to the customer service, because
we need to put them on noticethat this woman is not getting her money
(02:04:42):
and they can't hold her responsible.They need to make up for it.
So hang on, okay, dear, okay, thanks? You know what,
it really is frustrating when people getworked over like this. Were you
going to say something a dollar beforeyou had your mic, you were going
to say something, have you dealtwith these? No? I was just
(02:05:03):
listening to her. I just wondered, how do you know what I was
going to say? Dragon? Howdo you know? I said one breadth
of the word. How do youknow? I said? Have you ever
worked with these? And it's likehe knew he was on the button almost
because you knew what I was thinking. You know what I was going to
say, right, because I dealtwith these people. I know that they
are okay and that. But it'samazing how I didn't even say it and
(02:05:27):
everyone heard it. Okay, Sohave you dealt with these people? You
have? But I just wonder ifher husband worked last week because of the
holiday, maybe that's why she didn'tget a payment. But she said someone
applied for a card intentionally get theemail notification or text notification that it should
be deposited and it will. Yeah, and then they also took away her
(02:05:47):
online access. But how does someonehow does someone log in to her account?
I mean, really just a normalweb portal user name and passwords?
I guess. I guess there's allkinds a cyber crime. Don't they sell
that card automatically? I think thattheir default the card, But why would
(02:06:09):
they send it to a new Itgo with a sure thing Denver's Best Roofer
Excel roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free noobligation comparison call Compass insurance paying too much
your coverage at dozens of insurance companies. Find out now three oh three seven
(02:06:29):
seven to one help. You'll thinkyou're his only customer when you choose Frank
durand the real estate Man dot comto list your home with Remax Alliance.
Three oh three nine two zero sixteentwenty two. Hi Tom Martino, you're
troubleshooter. Three oh three seven onethree talk seven one three eight two five
(02:06:50):
five, Welcome to the show.Eight eight eight Heating dot Com. I
stress them because they're good, honestpeople, and a lot of people have
If you have an air conditioning issue, who do I call? These guys
are good and I know them foryears. Three oh three seven seven zero
two seven seven six eight eight eightHeating dot Com. All right, so
(02:07:12):
it's it's quite interesting some of theissues people have with online and cyber attacks.
There are a lot of them peopleand I don't know. I think
a lot of times people do thingsthat are stupid without knowing it. There
are so many ways to get hackedon public Wi fis, and you know,
(02:07:34):
you go to a Starbucks, youmay not think about it. You're
using your phone, you may notthink about it. And thieves are becoming
more and more sophisticated on stealing access. So I don't know who's doing it
to her or if it's being done, but she says she can no longer
gain access. We're going to lookinto that for her, thorn do.
(02:08:01):
What's happening? Well, I'm thankfulto be alive. Tom. Let me
first say I've enjoyed listening to yourshow many times over the years. I
appreciate what you do. I washelping a friend. I was gonna help
her transplant plant transplant a new plantinto her yard, called eight one one
to get lines located. Uh,somebody came out marked lines, painted stripes
(02:08:24):
all over the yard on where utilitieswere supposed to be, went to the
corner of the yard with no paintedmarkings, dug a hole a couple of
feet deep with metal post hole diggersand got electrocuted. Well, well you
didn't get electricity. Your sho's stillhere, but you got a pretty bad
shot. Yeah. Well, well, fortunately there were rubble rubber handles on
(02:08:45):
the metal post hole diggers. Didit knock you on your ass? No,
it just put up a big puffof smoke and a spark. And
there was a single spark that roseup on the cloud of smoke. I
knew i'd hit something. Hey,Thorne, let me ask you something this
eight one one When you called him, they went all over the yard.
(02:09:05):
Yeah, as far as I knowthey well did you know? Usually what
they do usually is you tell themwhat you're doing, and they go in
the vicinity of what you're doing.For example, if you told them I'm
going to be doing this and thenyou go to the other side of the
yard, that could happen. Tellme, tell me what no no,
I told him. I told himthere's there's two metal boxes in the corner
(02:09:28):
of the yard, in the northwestcorner of the property, and I was
going to locate the shrub right adjacentto those, So they knew exactly what
I was talking about. Uh.What turns out is Highland's Ranch Community Association
has a great big sprinkler control paneljust outside the property. And what they
did not mark is the electrical connectionbetween the junction box inside the property and
(02:09:54):
the Highlands Ranch. Now, whodid not mark it? You mean the
eight one one people didn't eight oneto one locate, did not mark it.
So I reported it to them,told them what happened. They come
out the next day and they locateThey painted new stripes to identify the pet
you know, the route of theline that goes to that electrical that sprinkler
(02:10:16):
control box. And they painted rightthrough the bottom of the hole that I
had already dug. And so Itook pictures of all the new paint showing
that they located the line through thebottom of the hole. So what you're
saying, what you're saying is hadthey done the job right the first time,
they would have marked it there rightcorrect, and I wouldn't have dug
(02:10:37):
there. Okay, gotcha? Sonow what So that's what I'm asking you.
I'm looking for ideas, okay,but ideas for what I'm not sure
what you're asking ideas for what?You know? I called them back.
I said, I want a greenlight on a written statement that the repair
has been efluctuated before I do anythingto even fill in the hole. Oh
(02:10:58):
oh oh. In other words,youth, think, did did anything break
when you did that? Uh?I clearly penetrated some sort of electrical connection.
So did they listen? They You'renot afraid that they're going to try
to pop you with any kind ofdamage? Right? No? No?
(02:11:18):
But I want I want a greenlight on the repair being uh, you
know, I want a written statementthat the repair has been made. And
I think it apology is appropriate becausewell, obviously, obviously you would think
logically they would apologize that they almostkilled you. But here's here's the deal
though. Okay, seriously, you'renot going to get a written statement of
(02:11:41):
anything. Okay, they're they're they'rejust not going to do it. But
what I want to know is whatwere you doing in that area? Are
you Were you just planting something?No, I was digging a hole for
a plant that had been purchased.That's what I asked. You were planting
something. So what I want toknow is this, If you simply don't
plant there and just fill up thehole, why do you care if it's
(02:12:05):
a sprinkler, control valve or cable, why do you care if they fixed
it or not? Well, becauseif the homeowner, even if the homeowner
fills in the hole and then there'ssomething wrong between that connection with that sprink
or control panel and what's inside herproperty, she's going to get blind for
it. I don't think so.I don't think so. You could take
(02:12:26):
responsibility and the other thing, andthis is what's really important. They are
incompetent. I could have easily beenkilled. Thankful to God that I wouldn't,
right, But I don't trust thesepeople anymore, and I don't think
anybody else should either. No,that that is no. Really, that
is a scary thought that they cameout there and missed that. But do
(02:12:48):
why do you think they missed it? Did they give you any explanation at
all? I would have thought thatthey would have. Did they say now
that I've reported it? And Igot this barrage of emails from different utility
providers saying we don't have anything there, because you know, they reports the
incident to like eight or nine differentUH providers facilities providers, and so I
(02:13:11):
get all these emails, none ofwhich was from Excel, and I talked
to Excel Energy of the next whoruns I was just going to ask you
something, who runs that eight oneone? Who are they? I have
no idea. I take it asa state. I actually don't know the
answer. They have several contractors becauseI've don't like them, all right,
(02:13:35):
So eight one one is just anaggregate number that you call and they assign
someone to it who pays for it? I imagine all the utilities chip in
in't it? Because it's think allthe utility rate players chip in. I
guarantee you there's a charge on mybill every month for eight one one locates.
Maybe not so clearly marked like that, but no, but it's buried
(02:13:58):
in the rate you know. Sohere, what do you right now?
What you want is acknowledgment that youdidn't do anything wrong, So this homeowner
is not blamed. Correct. Ithink you've documented enough. Do you think
that if you just go ahead andand just fill the hole back up?
(02:14:22):
Do you just going to back fillthe hole? But but I don't think
that's the end of it. No, But but I don't see how they
can blame her for anything, evenif, by the way, you have
a fear that if something goes wrongwith the system, they're going to go
to that neighbor and say you didsome landscaping and did damage. Yeah,
(02:14:46):
and the and the complaining party mightbe Highland's ranch community. Well, if
I were you, I would takeout my cell phone and do a selfie
video. I was digging here.They failed to locate. They located it
after I popped a line and almostkilled myself. I am documenting this so
the homeowner is not blamed for notdoing it properly. I would be done
(02:15:09):
with it. I think you're overthinkingit. I really, I really think
you're overthinking it. Go with asure thing Denver's Best roofer Excel Roofing dot
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your coverage at dozens of insurance companiesfind out now three O three seven seven
to one. Help. You'll thinkyou're his only customer when you choose Frank
durand the real estate Man dot comto list your home with Remax Alliance three
oh three nine two zero sixteen twentytwo. Hey, I'm Tom Martino.
You're troubleshooter. So I have areally important text question here. What is
(02:15:54):
the financial benefit of paying off amortgage early if I have the money,
compared with investing the extra money instocks or bonds. So let's let's analyze
it. You have a mortgage onone hand, let's say that one hundred
grand. Let's say and you haveone hundred grand to pay it off.
(02:16:16):
Should you pay it off? Orshould you invest it. There's a very
simple answer to that, interest rates. It's all in the math. If
you're paying more on your mortgage,then you can make in investments. Then
you go for you pay it offif you're paying more, if your mortgage
(02:16:41):
is costing you more than the opportunity, so the opportunity cost is what you
need to look at. So let'ssay you could make ten percent on your
money and you're paying six percent onyour loan. Well, obviously you would
invest the money. And some peoplewill say yes, but that's not entirely
true because you're not sure if youcan make ten percent and there's no sure
(02:17:05):
investment. Therefore, maybe I shouldpay off my house. Now that's true.
If you can't make solid investments tomeet or beat that mortgage, then
obviously you should pay off your mortgage. And in fact, paying off a
mortgage is more than just math.It's security because you can always retap it
(02:17:26):
if you need to. All right, so we're running out of time.
I'm Tom Martino. Remember I wantyou to call three oh three Martino three
oh three six two seven eight foursix' six for help, information and
referrals. You leave your name andwe will get back to you remember,
save all your problems for me.