The Troubleshooter 7-16-24

Episode Transcript

(00:00):
Yeah, ripped up news needed,that's who you don't have. Come running
just as fast as we can.Shooter's gonna help coming. Man Dix is

(00:20):
the Troubleshooter Show. No Tom Martino, Hello Tom Martino here, Welcome to
the show. Solving problems, answeringquestions, taking complaints, making your life
a little easier. This hour broughtto you by whowaterpros dot net. I
feel water drinking water at the kitchensinks one of the most important things you
can do for your family's health,and I mean more than bottled water filled

(00:42):
with plastics. So do your homea favor. Fourteen hundred bucks fully installed,
the best system's lowest prices, waterprosdot net. Now I'm going to
talk about something. I'm going tomake some pronouncements here. I want your
comments. I want to make somepronouncements. I think I'm qualified to make
pronouncements after judging and listening and talkingand investigating, I'm I'm going to say

(01:04):
this, and if you disagree,please tell me where I'm wrong. Because
I, unlike other people, ismark on by the way, Unlike go
ahead, I can't wait to hearyour Unlike other people, I change my
mind when I'm wrong or right,unlike some people I know who's not going
to be mentioned right now, butsay you to see what I mean about

(01:27):
him? Okay, hold on,I'm going to make a pronouncement. There
are no good There is no goodfood that comes from food trucks. There.
What brought that on? I don'twant to I don't want to get
specific. No such thing as goodfood from a food truck. Sorry,
now, well, Shannon, comeon, man, why are you dropping
your jaw? If you lower yourstandards, you'll be impressed. I'm not

(01:49):
talking about five star. I justmean good food. I like junk food.
I signed totally disagree with you isI like hot dogs, burgers.
I like a lot of things,but I have never Okay, I've tried
him and tried him and tried him. And I love when the neighborhoods have
him. And I love Mark.When you have met your place, I
love him. When Garrett over ateight eight a heat and got calm one
day, had it for the holidays. He did it for his crew.

(02:12):
I love people, I love theireffort. I want him to make money.
But I gotta tell you, Ihave never found good food in a
food truck. You have Mark numeroustimes you on Federal all the taco stands.
Do you really find good ones?Henry? It's funny because the best
ones they're not even food trucks.They almost look like homeless camps. They

(02:32):
have like the No, but II don't know, see Chopper agrees with
me. I mean truly, comeon, I mean, okay, never
mind, I want to know.I mean, but I mean really good
food. Come on, all right, Jane, what's going on? Jane?

(02:53):
Well, I'm trying to change mycell phone provider and I can't get
my present one to release me.Okay, Jane? Who is the provider
you have? Now? Pure Talk? Oh? Okay? And did they
provide you with a phone? Yes? And are you paying on that phone?

(03:19):
How does it work a Pure Talk? Do you pay? Is it
pay as you go or how doesit work? It's a monthly fee?
Okay? Now why won't they releaseyour number? Well, for one thing,
I can't get a hold of them. They have to have I don't
care what she says they have tothat's right. Well, all they do
is put me on hold, andI've been on hold for twenty minutes and

(03:42):
thirty minutes and it's all I getdone. Now, how much a month
is it? You know? Idon't know offhand, I'm sorry. And
how do you pay for it,Jane? Through my checking account? It's
automatic withdrawal? Right, man,that's bad because us. If they don't
stop withdrawing, there's no way yourbank will do it on your say.

(04:03):
So it's a terrible thing. Butyeah, but as far as her question,
it has nothing to do with PureTalk. She needs to call up
whoever she's going with and give themthe information, the account number for Pure
Talk, the phone number, andthey'll port it. Now, they'll port
the number, but she's still goingto be charged. Pure Talk is still
going to charge her that if sheowes for the phone, of course,

(04:28):
how much? How much? Whatkind of phone do you have, Jane,
I have a fansung And how longago did you get that phone?
Well, it's I've been with pureTalk over a year and I got a
new phone. I think of itearlier this year. Wait, okay,
and how much do you pay amonth? I'm sorry, I don't remember.

(04:51):
Okay. Well, we have toknow all this, Jane, because
one of the reasons you can't cancelis if the phone's not paid for or
you have to pay for it infull? Are you probably do that?
Okay? I can't talk to anyoneto find out that number, no matter
what, Tom, No, No, I get that, Mark, I
get that she can port the number, but she's got to pay for the

(05:13):
cell phone in order to get hercontract ended. I think. But we
can call and find out from PureThere's got to be someone from Pure Talk
in a mediate department or PR departmentthat we can ask general questions. In
fact, dollar, what wonderful dollar? Why don't we ask some deputy Dollar
with us today along with Deputy Chopper? And then I have Henry Breadth from

(05:33):
sol Rufie. Hey, deputy,why don't we ask him in general?
What's the procedure if they're still payingon a phone and then they have you
know, they they want to leave, but again numbers cannot be held up.
But they can still charge you forthe phone and for cancelation and all
that. I don't know what kindof contract they have. Really, where

(05:57):
did you go to sign up forthem? Did you do it online?
Yeah, you did it online allby yourself. You went online and signed
up and they sent you a phoneall by yourself. No, No.
What I mean is no, whatI didn't mean that as an is I
meant like, you went online,you did everything yourself. You didn't have
to go to a store, youdidn't have to do anything that's right,

(06:18):
and then they sent you the phone. Yes, okay, I'm going to
go to their website too and lookat some of the UH terms and conditions
and see what they say. Sohold on, We're going to have somebody
call over there to find out somegeneral information. Three oh three seven one
three talk three oh three seven onethree eight two five five. Angie has

(06:41):
an issue with drainage in her home. Angie, what's going on? Hey?
There, So seven years ago Ipurchased a home up here in South
Johnstown's historic Spanish Colony neighborhood. Okaythat's seven years ago. Okay, yeah,
seven years I've been in this home, and since then we've definitely faced
persistent issues with city maintenance, justregarding drainage, infrastructure and the roads and

(07:04):
sidewalks and touch basic services like snowplows. It was Oh, by the way,
was this a new home. No, this was not. This home
was built back in nineteen fifties.These homes, all of these homes actually
were built in the first one originatingin nineteen twenty four, so it's our
hundredths first day up here in thisneighborhood. They were built for the workers

(07:28):
labors for the Great Western Sugar Company, and these homes were given to them
so that they would stay all yearround. So most of my neighbors,
their grandparents own these homes or theirparents right now that are living in them
as well. Okay, so andyou bought that how many years did you
say? It was seven years ago? And so what's going on? So,

(07:49):
I mean, initially the things thatwe were seeing that happening as a
neighborhood, we've I noticed that myneighbors came together and just kind of did
it themselves, purchasing clouds, leaningoff the storm drain cover that was there.
Okay, so you're saying that theneighborhood itself, and I have to
get a picture of this. Theneighborhood itself is taking on a lot of
responsibilities that should be done by amunicipality correct and always really has in the

(08:16):
seven years, and then they talkabout how they've always had had to do
that. I do have only liketwo to three residents that are monolingual English
speakers, and they're the ones thathave put in the most complaints. Now,
now, okay, what I wantto know though, this is important,
Angie. What's the municipality? Isit a county you're looking at or

(08:37):
a city? A city? Andis it actually Johnstown? It is Johnstown?
Yes, and okay, So theobvious question is this, if you
called Johnstown to say, hey,you know, why is our neighborhood neglected?
What do they say? So Ispoke a year ago, because in
the last three years we've had amassive town home development actually put their and

(09:00):
stuff against our fence and create anew, sprawling area and that's when all
the and that's when all the problemshappened. Yeah, in the last year
it's actually been so exatibated that wecan't what we're doing is not helping.
And we flood every time it rained. What our front yard? Okay,
now, hold on, So theyput in a new development and now you
have flooding in your art. Wetalked about drainage yesterday and it's a little

(09:22):
weird about drainage, but with anew subdivision, they definitely have to have
a drainage plan for the neighborhood whenthis was approved. Were were there public
hearings and all of that this development, there were hearings. Unfortunately, my
husband and I were out of townfor the entire summer. We're both teachers,
so we went back to the Midwest. But I do have neighbors that

(09:46):
I've been able to pull up theirpublic comments and their concerns from twenty twenty
one when this was going on,being that the new subdivision was building up
next. Yeah, okay, soyou mentioned you're mentioning a lot of things
in general. You're saying city services, but you're also saying drainage. If
you had to make a list ofmajor problems, drainage would be one of
them. What would what else wouldbe on that list? Our sidewalks in

(10:11):
our street are boeing and eroding andcrafting, Like I now park on dirt
in front of my house because wedon't have briadways because the road has eroded
away and my sidewalk is cracked.This was a paved street that they just
let go to hell. Yeah,what else? Drainage? Streets? What
else streets? I think I mean, drainage in the streets and the curbs

(10:33):
are definitely well, that's pretty major. I just wondered, I want to
get a wall. While we're talkingabout what does the city say about it?
The city a year ago when Itold them and I spoke about our
drainage issues in my neighborhood across thestreet from town hall, because by the
way, I live right across thestreet from meetings and I've attended every single
week, right, So what dothey say. They said, ten years

(10:56):
ago they put in a storm drainand that they took care of that problem
and they've never had complaints since.That's what the old mayor told me.
And then when I told them aboutthe termite infestation, they just basically said
they in my home. They basicallysaid like, okay, well you should
probably get that, you know,addressed and taken care of, and we
feel sorry for you. Well,what about the streets. What do they
say about the streets? The streets? They so they actually in the past,

(11:18):
I did go on social media duringa storm that was live and immediately
after that next week they had acompany coming to redo a massive dip in
our neighborhood. As you entered therewas a huge dip that would cause us
to bottom out. But the problemwith that is when I talked to that
crew and that project manager, Iasked them if it had anything to do
with the drainage infrastructure issue, andthey said it was all cosmetic and that

(11:41):
they So I want to know thisis your neighborhood the only one experiencing problems?
Yes, then why just hold on? That's the part I need to
know. Why just your neighborhood morecoming out of show go with a sure
thing Denver's Best roofer Excel Roofing dotcom. You don't pay a cent until

(12:03):
you're contenth time for an insurance checkupfree no obligation comparison call Compass Insurance paying
too much your coverage at dozens ofinsurance companies find out now three all three
seven to 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

(12:26):
Alliance three oh three nine two zerosixteen twenty two. Tom Martine here three
all three seven one three talks sevenone three eight two five five. So
we're looking into the Johnstown thing tofigure out what's going on. By the
way, I want people to tellme I'm wrong when it comes to food

(12:46):
trucks not having good food. Nowyou're wrong speaking of food. Yeah,
but you're not giving me specifics.So okay, the California Labster Rolls absolutely
dealish. What's the name of theplace the truck, California Lobster Rolls.
No, there is one called CaliforniaLobster Rolls. A truck now that sounds

(13:07):
really good. I mean, I'venever had it. Is that the one
from Shark Tank Mark? It couldbe Actually, now that you say that,
it sure could be California Lobster Rolls. They are good, supposedly,
there's nothing cheap about it. It'slike twenty five bucks for lunch. Well
it's lobster you know. Hey,here's another thing, speaking of dining.

(13:33):
Now, maybe you've all noticed itand you don't care, but these fees
are showing up and they don't tellyou. Now, some of them are
flat out called gratuity, okay,and they're twenty percent no matter what,
on top of your bill. Youhave to look. They don't tell you.
And then there's still a place foryour tip. Okay. But there's

(13:54):
another one, and that is servicecharge. Now what is it? Now?
Now this and it's new, it'snew, or they say kitchen staff.
Have you seen those? Yeah?I might as well just see payroll.
What's that mark? They might aswell just say payroll, or why
not say kids braces? I mean, if you're going to delineate your expenses,

(14:16):
I mean, you know, collegefund, I mean, what the
hell I mean, just charge Idon't understand that. Why not just charge
more for everything? Because they wantto be sneaky. Yeah, they want
you to know your food. Thefood's not that expensive, the damn people
serving it is are I mean they'rethey're really expensive or they're pain in the
ass. No, really, Idon't know how you feel about these.

(14:39):
I don't mind paying, you know, just pay a fair price and not
have tips, or pay a priceand have a tip, but the sneaking
in a fee plus a tip thatthis is where and then if you don't
give a tip on top of atip, like I went to a resort
one time. When where is it? What's the one I'm thinking of?
Now? It could be the broadMore anyway where it's all built in now

(15:00):
twenty percent on everything you do there, everything everything's built it's twenty percent and
they call it a You know abuilt in gratuity, but if you don't
give an additional gratuity, they kindof look at you with I'm not talking
about the broad more specific, I'mtalking about the trend. If you don't
tip on top of it, theygive you the side eye. I came

(15:22):
up with a new one. You'reready for this? What is if I
ain't sitting, I ain't tipping.I am no longer tipping. If I
walk up and pick something up ata counter that includes Starbucks, now I'm
not sitting. I'm not Those twogo people work hard to get you ready
and all that. No, comeon, they don't serve you, but
they work hard. Hey, hey, Cynthia, Angie, hang on,

(15:43):
we're we're working on Angie, we'reworking on that one with Yeah. Are
you saying the kitchen staff doesn't workhard? Then by saying that, no,
prepare work, Cynthia, what's goingon with you? There is a
law or an ordinance that requires HOAinspector violation inspectors that drive around for violations?

(16:11):
Do they have to be in anidentifiable vehicle? No? Wait a
minute, Wait a minute, Cynthia, I don't know of any regulations covering
HOA enforcement officers or inspectors or homeownerswho are pains in the ass, they
can just well. I mean Iknew a guy once that just walked around
with a clipboard and then he wouldcall up his HOA. He wasn't even

(16:32):
hired by the HOA. I don'tthink there's any I don't know of any
laws that say that an HOA vehiclehas to be marked. I think it
should be. Well, why isthat what happened with you? We're getting
we're getting we're getting violations, andwe've also had a lot of robberies in
the area. Yeah, we don'tknow. Well, they don't care about
that. They just care about ifyou're trash can showing from the street,

(16:55):
or if you're or if your curtainsaren't the right color. Yeah, so
anyway, but it's okay to stealcars and do all that other stuff.
But let me ask you some ofthe seriousness, Cynthia, specifically, what
are you talking about that's you're upset? You're gonna love this. I got
a violation for having artificial flowers inmy yarn. You know what. I

(17:15):
got one of those. My wifeput some in for because she didn't like
that it wasn't landscape properly, andit's supposed to be done by the Hua
in those areas. And they said, you're not supposed to do that.
Then she put a wreath on ourdoor. You know, there's different seasonal
wreaths, not just of course theholidays. And they said you can't have
the wreath. And then they thenthey said when I said you could see

(17:37):
trash from I swear to God,if you are walking past my house and
you paused, took binoculars out andgot on a ladder, you could see
my trash can on the side ofthe house behind the gate. And they
sent me a letter. You know, So I guess what I have to
do is camouflage it and bury itsix feet under. But in any case,
the point I'm making is this,there are people that just walk around

(17:57):
and do that kind of stuff.They don't have a life. Well,
I guess I want to know,you know, is that that's it's legal.
Then they can drive any kind ofcar. Yeah, well, what
would be illegal about it? Idon't think they can drive a war tank,
but I think that, I mean, they used to have a management

(18:19):
company vehicle that much. I knowwhat you mean, But tell me what
difference that would make. I meanseriously, and I'm not kidding with you,
I mean what difference would it makewhat vehicle they're in. I wouldn't
feel paranoid, I would I wouldfeel okay. But there are a lot
of ho a Nazis, there reallyare. There are a lot, and

(18:41):
there are threats to democracy. I'mjust kidding, by the way, I'm
just kidding. No, No,I think so. I think so Tom
may have just and their vindictive.Well, you know what, You're right,
You're right. There are the littleclipboard people. I call them the
clipboard people. And usually the guyshave Bermuda shorts with knee high socks.

(19:03):
They're usually black socks with sandals.But I don't think that's an official uniform.
But listen, I love the foodtruck thing, and I think you're
wrong in that regard. Where canI find that lobster ole? I don't
know, Mark, where's the lobsterroll? Where do they show up?
Lobster one? I saw it?Is it? The one? I?
The one I'm talking about is usuallyor at least once a week at the

(19:26):
one oh five Brewery in Castle Rock. Oh okay, Well, I can't
try it there. I don't knowwhere they are either. But have you
ever have you ever had a foodtruck you liked? I do. And
they had a series of food trucksdown by the Capitol in Denver, and
they had like a whole bunch ofdifferent food trucks. Yeah, and it

(19:47):
was wonderful. You know. Itwas like some kind of a food truck
day or something, and various differentfood vendors were there. You know.
I've been to those things. Imean, I really liked it, community
of it all, and I wantthese people to do well. I just
never I I'm just being straight here. The other day I had some more
and I thought, you know what, they just don't come through. I

(20:11):
mean, but maybe I don't know, it might be me me. Hey,
Cynthia, you didn't mention what werethe violations you got? I mean
artificial flowers? I have to butin addition to that, you said you've
had violations in addition to your flowers, what else? Well? I did
have a security camera issue one time. You know, they want to know.
They also want to know when youjust repaint your property, you know,

(20:36):
the same color, even wait,even if you go even if you
go with the same color. Yeah, why because they're stupid. Wow,
you know, what do you mindmentioning the neighborhood? Yeah, it's a
Green Valley ranch Master Homeowner Association.Okay, well you know that's that's what

(20:57):
you get. That's what you getwhen when when you got Ah. Now,
by the way, I just wantto say that, I didn't mean
to cut you off there. Whatdid you want to say, Cynthy.
What I wanted to say is Ilike, as they have a purpose.
I just don't like when they're overreaching. Well and there's trash everywhere. You
complain about trash and they send youto somebody else, so they're not focusing

(21:21):
on the pertinent issues that really affectthe common areas. Yes, you know,
well, thank you for calling.I wish there was something we could
do about at three oh three sevenone three talk seven one three eight two
five five. Really we could havean entire show, an absolutely entire show
on on just Hoys. Yes,Mark, yes, really quick. It's

(21:41):
not California Lobster. It's called Cousin'sMain Lobster. I just looked them up.
Sure, okay, So it's CousinsMain Lobster Lobster yep. And their
trucks and they're everywhere. If youyou can look at their schedule on their
website. Cousinmaine Lobster dot com becauseokay, I'm gonna look at st and
Suzanne send him a bill for me. Thank you, Cousin Maine Losser and

(22:07):
uh dot com. Let's see whatwe got here? Okay, So anyway
three oh three seven one three atwo five five go with a sure thing
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkup free no obligation comparison call Compass Insurance

(22:32):
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. Hi Tom Martino,

(22:55):
your troubleshooter three all three seven onethree talk three oh three seven one three
eight two five five. Part ofmy theme today is going to be keeping
your house cool, because there aremany strategies that we can use and I
want to go over a guy.You hear me talk about Coole House fans.
You hear me talk about ac Youhear me talk about Solary. You
hear me talk about addicts and allof that. And I really want to

(23:19):
put it together in a really easy, understandable way so we can all figure
out how to do it and doit efficiently and UH and really what is
the best thing to do? Angieon your uh on your drainage. I'm
going to have a deputy chopper overhere. I'm going to have them called
the city and see if they havea plan in place for some of these

(23:42):
issues. You know, I havea feeling this would be the worst case
scenario, and that is I havea feeling that your city's probably broke.
Have they ever cried the blues onthat one? That's my knowledge. But

(24:03):
I do know that since I've goneon social media, they have finally decided
to come out here and take alook at us. That's amazing that,
that's amazing. Have you gathered thatmuch? Have you gathered that much attention?
You think I have? However,they came out and they left a
voicemail apologizing because they didn't realize therewas never a storm drain put in.
It's just a six inch pipe thatwas still used for when the land was

(24:26):
agricultural and the strain wasn't put onthe area around us. And so they
have a plan in place in thenext two years to put in a storm
drain, an actual storm drain andnot just a graded cover that was put
in ten years ago. However,my term, at this point, we've
treated for a full year. Andthe larger companies, Orcin and Terminix,

(24:47):
they are GSA certified, so theyhave now put in writing that a year
later, even though a year agothey said they will not treat us because
they cannot guarantee they can get ridof them with the amount of water that
flowed our property and how often.But they responsibility, or at least the
subdivision does. Did they file adrainage plan when they built a damn thing?
You know what? That's what wemight want to ask that found that

(25:08):
chopper. We may want to askabout the the drainage plan that subdivision,
that new subdivision filed. I meanthey have to approve a drainage. I've
acquired all of them. I acquiredwhat the subdivision filed, which is called
a preliminary utility utility plan that'supposed tooutline how they tie into existing infrastructure.

(25:29):
And then the city turned over theone in their folder that has their engineering
company. So I called Olson Engine. Well hold on, hold on,
angie, angie, angie, justwait, you said you looked into it.
What did you find? Not?Who did you call? What did
you find? I found out thatthey only surveyed the south end of my
block because per code, they onlyput a new road at the south end,
and the city would have had toindicate there was a problem on the

(25:52):
north end and the water flows twoseparate directions from the middle of my street.
So you're saying they did it basically, they did it half assed plan.
Yes, they did the minimum amountainall right, hold on, I'm
gonna have Chopper look into it withjohns with Yees Johnstown. I didn't realize
john Sound was an actual city himself. I mean, I really didn't realize
that. But we'll we'll look intothat for sure. Three oh three seven

(26:17):
one three talk seven one three eighttwo five five Henry Brett's uh with Excel
roofing one of the only sponsors Ican say I knew when he was in
the crib quite literally anyway. Souh, that's Jay Brett's son and Excel
roofing. Let's talk about cooling ahouse now, we talk about a whole
house fan, but off the air. Deputy Dollar said, uh, something

(26:41):
about it, and then and thenHenry said, well, an attic fan
is important, and then, uh, I know a lot of people confuse
attic fan and whole house fan,and I just want to say something.
Attic fans are not absolutely necessary atall. They help ventilate the addict,

(27:06):
but it is not a whole housefan. They're two separate things. However,
attic ventilation with or without a fanis mandatory without it. If you
don't have good attic ventilation, nothing'sgonna work right. You're gonna be hot
like crazy in the summer. Yourair conditioner will never overcome that heat.
And I think something else can besaid about that. Your whole house fan

(27:30):
won't work if you don't have atticinsulation. If you go and buy a
whole house fan and it's going intothe attic but there's no way to get
out, you're not really doing much. You're you're forcing it through cracks and
crevices. Henry, what do youguys do when you put on a roof.
Your dad's a real bugaboo about atticinsulation, and you say, most
houses you go to don't have enough. So proper attic ventilation is super important.

(27:55):
You need fifty percent intake in fiftypercent exhaust. And if you don't
have that, you mean of thevolume in your attic needs to be taken
in with fresh air. Not necessarily, but you need to have that proper
ratio for incoming air versus exiting air. I see what you're saying. Okay,
you need to have that. There'stwo types of events. So there's
intake and exhaust exhaust exactly. Andso so the intakes are low, right

(28:18):
sure, and that's gonna be likethe sofet what goes right along the bottom
of the roofline. And then theexhaust is going to be on the top.
So that could be something like aridge vent or just or just placed
pipes around right, Yeah, exactly. And so if that is installed correctly,
you'll avoid issues like heat blisters,and heat blisters can offer So now
we're not we're talking about more thanair conditioning. Now, now we're talking

(28:38):
about the roof lasting. Yeah,and you know, what that will avoid
a manufacturer's warranty if you have heatblisters. Wow. Yeah, okay.
So by the way, guys,in addition to cooling your house, you
also will will lengthen the lifespan ofyour roof and warping. And also if

(29:00):
moisture ever got in there, we'retalking about mold, we're talking about rotting
the decking. So attic ventilation isthe most overlooked system. I believe in
the entire house. Attic ventilation.It's so important. So there are a
lot of people that don't have enoughridge vents, excuse me, enough vents

(29:23):
in the soft's low vents. Manyof them are insulated over right, That's
absolutely correct. And there's there's differentsolutions to stuff like that, part of
which would be like including more youknow, soft events, or you could
do something like an attic fan,but you'd still make sure that that intake
versus X takee. Right. Yeah, even with the fan, you have

(29:45):
to have it drawing air from somewhere. Absolutely. Now, the attic fans,
that's another story and they're really good. Hold on and we'll get to
those. And also Scott, hismother passed away. He has questions about
a a state, Scott, I'lltell you we have experts that can help
you that there and then Paul wantsto talk about medical billing. Go with

(30:06):
a sure thing Denver's Best roofer ExcelRoofing dot com. You don't pay a
cent until you're content. Time foran insurance check up free, no obligation
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find
out now three oh 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

(30:30):
list your home with Remax Alliance threeoh three nine two zero sixteen twenty two.
Hi Tom Martino, you're troubleshooter threeoh three seven one three talk three
three seven one three A two fivefive. Okay, Scott, you need

(30:51):
some estate, some estate help.If you get us started, we'll get
an expert on the phone for you. What's the issue? Okay, So
my mom passed away suddenly last Monday. Everything said and done, We got
the corner signed the death certificate,I believe yesterday, So we're waiting on
the copies of that to get tothe mortuary. But my dad has already.

(31:15):
My dad passed away back in twentyeleven, and so we didn't really
know anything because this was so unexpectedon my mom's side. Yes, so
tell me what do you know?What? What do you need help with?
And by the way, I'm sorry, no matter how old our parents
are, it's still a shock whenthey die. So, so what what

(31:36):
do you need help with? So? First, I guess do I need
because I've seen stuff that you lookthat says I need. We need to
open probate, we need to getthe I mean, it's just me and
my brother. I got it,bro, I got it. I got
it. I'll ask you the rightquestions and we'll give you exact information we've
we've been through this before. AndI'm glad you called and and we can
get our expert on just if youcan just hold on for a few minutes,

(31:59):
that would really help. Thank you. And yeah, there's some series
of questions. I don't want torush you right now. I'm going to
ask and then we can determine whatyou need to do and how you need
to do it through our experts.Uh, Paul, what is your issue
with medical billing? I know aquestion I still found out today that the

(32:22):
hospital is separating the charges. They'regoing to have the charges for the service
of the doctor, right, youknow material, but they are also going
to charge a facility fee. Yeah. Yeah, that's not uncommon. Paul.
Did you know that? No,I die that. Yeah, here's

(32:45):
what they do, Paul. Letme let me explain something. Let's say,
even like you went to an emergencyroom, they have a practice literally
sometimes that contracts to the er toprovide docs, and that that practice will
charge you for the doctors. Thenyou have a facilities fee, and that

(33:06):
facilities fee will be for the emergencyroom itself, and then on top of
that you could also be charged separatelyfor other things. And that is that's
been going on an MRI, likean MRI or a cat scan or anything,
right, and that has been goingon for years and years. Scott,

(33:27):
what is your excuse me? Imean, Paul, what is your
question about it? Paul? Well, is Medicare going to cover eighty percent
of that oral? Well, Medicarewill cover will cover what whatever coverage you
have. And I'm hoping is thereis there a there's Medicare. Do you
have a supplement as well? No? No, okay, Well, then

(33:52):
here's what will happen. Medicare haswhat's called an approved amount, and they
will pay a percentage of the approvedamount, and then you'll be responsible for
the balance up to a deductive Wellwait, there's a somewhat of a deductible
first, and then you'll be responsiblefor twenty percent of the balance. Well,

(34:15):
but that's on the medical side ofthe Oh no, it's on everything.
No. Yeah, even though they'reseparated. But each one has its
own approved amount, okay, soit's not like they add it all up

(34:37):
and then you pay twenty percent ofthat your twenty percent or what appears to
be twenty percent will be different foreach one, depending on what the approved
amount is. But usually I wantto tell you something. If it's a
Medicare provider, the approved amount isusually what they bill you, and they're
not going to come after you forthe balance anyway. That's not allowed.

(35:00):
So you pay your twenty percent,and if there's more, because it's not
approved, they can't come after youfor the unapproved amount, So you should
be pretty good. I'm Tom Martino. We have more coming up on the
Troubleshooter Show. Go with a SureThing, Denver's best roofer Excel Roofing dot
com. You don't pay a centuntil you're content. Time for an insurance

(35:25):
checkup free no obligation. Comparison callCompass Insurance paying too much your coverage at
dozens of insurance companies. Find outnow three oh three seven seven to one
help. You'll think you're his onlycustomer when you choose Frank durand the real
estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two ript News. You don't have run the shooter is

(36:02):
gonna help com man. This isthe Troubleshooter show. No Tom Martino.
Hey, I'm Tom Martino, yourtroubleshooter, your consumer. I get forty
years, forty five years in denavorfighting for you. Hey, eight eight
eight Heating dot Com. Keep thatin mind for your air conditioner problems or

(36:22):
or things you need even free secondopinions. That's eight eight eight Heating dot
Com three oh three seven seven zerotwo seven seven six. Okay, we
got Excel roofing in the house.We've been talking about attic ventilation. We're
also going to talk about this withScott his dad passed away. He needs
some information and or his mom passedaway. I'm sorry, and Scott,

(36:42):
I have an expert on for you. This is good news. Dan McKenzie,
McKenzie law. Now listen, here'sthe deal. He does a state,
a state planning and a state lawand all of that. Now here's
the thing, Scott, your mom, I want to ask a question.
When your dad died back in oneI think you said whenever. When your
dad died, did he was everything? In eleven? Twenty eleven? Was

(37:07):
everything transfer over to your mom properly? Yes? Okay? So now your
mom dies, and what does shedie with? We have two houses and
all the accounts everything that she had, okay, two homes and bank accounts,
and if you added up all ofthe positives and subtracted the mortgages if

(37:30):
there are any, what do youcome up with as an rest just on
a value maybe a little under twomillion? Okay? Now, how many
siblings or errors will there be?Do you think? Right now? Me
and my brother and then we'll probablydo my daughter, her only granddaughter.
Do you have a will? Doesshe have a will? No? Okay?

(37:55):
Okay, Now what I want totalk to Dan McKenzie now, Dan,
you heard all the circumstances. Myfirst question is this, when does
probate have to be opened and youcan't do it with just a small estate
affidavit? When is probate mandatory whenthe seams had either eighty two thousand dollars

(38:17):
worth of stuff in their name bythemselves or if state owned real estate?
Okay? And what about vehicles?Does that play into it ever? I
mean it's part of the eighty twothousand dollars calculations, okay, okay,
But as far as transferring ownership ofa vehicle, the only thing that gets
sticky is transferring the real estate thathas to have a probate. Well,

(38:42):
once you do need to probate,the probate kind of covers everything. Okay,
I can't do like you know,a car or using a small estate
affidavit and a probate to the realestate. It's once it's probate, it's
the probates the whole thing. Andif there was no will or nothing like
that, who opens the probate?Any interested party can do it. The
heirs have six weeks to head startif they haven't done it by then,

(39:05):
and there are creditors that want todo it. Creditors could do it.
That's not very common, but itcould happen. That does not mean you
have to open within six weeks.The statute says you have three years to
open a probate, but obviously youdon't wait that one. No, no,
because someone can. Someone can circumventyou and do it if they're a
creditor. Now, as far asthe probate and no will, tell me

(39:29):
what will happen with no will andshe has an estate, let's call it
two million? And he said,well, me and my brother, and
then we want to throw in mydaughter who has her only grandchild, or
excuse me, my daughter who isthe only grandchild. Let's talk about that.
Do they get to decide that?And how does that work? They

(39:49):
could decide it? I mean,I guess I'd be surprised if your brother
is willing to accept only a thirdinstead of half. If you want to
give a portion of your share toyour daughter, there's ways to do there
you can do, but there's nothere's no law that says without a will,
this happens. The default is thatit's the two that the two surviving
kids. So the default is thedefault is those two brothers get half in

(40:15):
half, right, Okay, SoScott, without a will, you,
you and your brother are the onlyones left and you would be and and
you guys would get her estate nowif she was married still depending on how
long there might be the spouse firstand then the kids. But it's the

(40:38):
kids now. The other part isthis, And I'm not trying to raise
problems for you, but you mentionedyour daughter. Is your brother perfectly willing
to make it a third, athird and a third? Yes, it
sounds like it. Yeah, becausehe's getting he's getting the house, so
yeah, it sounds like it.Well, it doesn't matter what he's getting.

(40:59):
You're taught talking about the amount ofwhat he's getting. He would only
be getting a third as opposed toa half. Yeah, and and you've
guys discussed that, right, Yeah, so we the plan was he took
one house, I took the otherhouse, and then the money and the
stuff that was setting in the accountswould get divided up three ways that way,

(41:19):
So they okay, I get it, and you guys can do that.
You guys can decide any way youwant, right right, Dan?
Am I am I wrong? Here? Can they do that? So?
I mean the court's going to pointa personal representative and it's going to be
up to that person to decide.And you and your brother have equal uh
favor to do that. So ifthe two of you have to decide,
you want to do that, Yes, make every decision or not or anny

(41:43):
one of you. Yeah, who'sgoing to be the personal representative? Scott
more than likely probably me, Iwould say in this instance, I think
he would be okay with that.But again, okay, well, you
got to make that decision and thenopen probate. And of course I would
get an attorney to do it,like a Dan McKenzie. And and you

(42:05):
know, I mean, you canget anyone you want. But I'm saying
that I know Dan and uh andbut but the thing is this, Okay,
trying to do it alone is notso cool, I really, because
you have to dot the i's andcross the t's and make sure you're not
leaving any bills outstanding because they cancome after you, okay, And there
are certain ways to make sure you'regiving the proper notice to creditors and all

(42:30):
of that. All of that takesplace with an estate and with probate.
Okay, Okay, So I hopewe have. Do you have any other
questions, Scott, No, Ithink you kind of put him in the
right direction for probate, Like ifI called Dan, he could either kind
of help me to get that allset up and kind of get that moving
forward. That's what they do.That's what they do. Yes, And

(42:51):
of course you can look and lookonline for probate. But as I said,
we know him very well. He'sa good guy. COO Plans dot
C and his phone number is eightthree three COO Plans eight three to three
Studio Plans. So kit CHENA,you might want to make sure he gets
the number if he needs it,and then hold on. We have another

(43:13):
question real quick here. I justcame in here probate question with no will
another one, Pete, So hangon there. Thank you very much,
Thank you big Dan. We haveanother question that just came in, Pete.
What is your question? Party?Tom, Hey, I think I've
probably just got the answer to itlistening to your last caller there. I
have a very good friend that haslived with his grandma for the last twenty

(43:37):
years her life. Helped her actuallybuy the house she owned. You know,
he wasn't on the loan or anything, but you know, you have
to pick it out and everything boughtall the furniture. Long story short,
she started getting ill and everything overthe years, and she passed away recently
and had all got holes, armersand stuff. Hele and in her head
didn't recover from it, and shehad no will. She has three daughters,

(44:00):
mom and her two sisters. Andwait, wait wait wait, okay,
so so this woman, how doyou know this woman, she's a
good friend of mine's grandmother. Okay, so this grandma, this grandma had
a friend living with her. Thatman was living with her, her son,
her son, her grandson, hergrandson, and her grandson's the one
that bought the house with her.I mean or or was there? Yes?

(44:22):
Yes, and and okay, sothere's there's no spousal Okay, there's
no spousal arrangement. Are you askingif this grandson has any special rights without
a will, has any rights whatsoever? His mother and her two sisters,
you know, his two aunts aretrying to say, hey, you need
starling for a place because we're goingto sell the house and you're not getting
a time of anything. She didn'treally have any money, okay, just

(44:45):
the house. This grandma, thisgrandma. Does she have she doesn't have
a husband, right, No,No, does this grandma have any direct
kids and kid? Just she hasthree daughters? Okay, now, Dan,
from what you said before, wouldthose three daughters audit without a will

(45:05):
automatically step in there for the grandma? They are the heirs. Again,
let me as the appointed, asthe personal rep. You got the person
running the estatement, people benefiting fromthe estate. That three are definitely gonna
benefit from the estate. Whoever's goingto run it and figure out the situation
with this person in his house iskind of up to the court, but
the default would be a third,a third and a third with three girls

(45:28):
and no will. Now he nextquestion is the grandson expecting anything special?
Nothing special. He just thinks thathe should be able to maybe, you
know, he wants to finish payingoff the house and he can't even go
to the bank and pay on themortgage. He's tried and they're like,
you're not even on the morrigin andso well are the sisters inclined to let

(45:50):
him have that house? No,absolutely not. They want to sell it.
They want to sell it and payoff the loan. Is that correct?
Yes? Now, Dan, andthis grandson, even though he's been
living there taking care of her andand you know he's been there. He's
not legally on anything. He doesn'thave any rights there. Does he did?
Probably not? I mean, isthere any argument that he's you know,

(46:14):
I mean, you know, providingsome service they maintain the value of
the house or the like. Youknow, there could be like a contract
or an unjustined Richmond claim. Imean, if he contributed to the purchase
of the house, maybe he coulddo something I wouldn't. I would never
think, never without a little bitmore announce right. So, yeah,
he's not making any claims that hebought stuff, that he bought this house

(46:35):
with her, is he No,But he did fill it with furniture.
He paid for it all. Andthey're saying that, yeah, you're not
getting the furniture either. Were Well, he should get well, he should
get what he paid for unless itwas a gift to grandma. We don't
know that. That's the part thatmight be a fight. But why would
they be so greedy if he boughtthe furniture and can prove it. Well,

(46:57):
they don't get along. They havegot along for ten years, you
know, they live and really helived in Arvada with his grandmas. I
never never would even call her untilthe day before she died. Well,
I know the law doesn't say theyhave to be good daughters, right right,
Yeah, that's the whole situation there. They're strange too. And you
know, he's like, hey,you know, I'm gonna take my furniture.
And he's like, no, Nowis this grandson? Does this grandson

(47:19):
belong to one of the three girls? Yes? Yes, and his own
mom screwing him? Right? Yes? Absolutely? All right, Well,
so he wants now do I startlooking for a place, you know,
or do I have a leg stander? He doesn't have tons of money for
a lawyer, you know, butI said, you know what, let
me call it. I'm not evensure. I'm not even sure. He

(47:40):
doesn't seem to have a claim.He doesn't mean owns the house. Now
when the personal rep get the pointsaid, the personal rep job is to
protect the estate. I'm sorry,to save me and getting people who don't
own the house out right, right, person is going to be probably legally
obligated to get him, right,Yeah, I don't have real high hopes

(48:04):
for it. Yeah, unless andthen if he can show what if he
can show receipts for the furniture,would that change things for the furniture part
of it? Dan, for sure, in the house it's his. But
yeah, you know, I think, yeah, yeah, so anything that's
his inside that house, Pete,I mean, that doesn't take that away
from him if he can prove it'shis. And I'm surprised his own mom

(48:28):
wouldn't say take your furniture, youknow. I mean, it's amazing what
happens. I'm sure Dan McKenzie seesa lot of garbage when it comes to
estates and how people get greedy.All right, thank you very much,
we got more coming up. I'mTom Martine. Three oh three seven one
three eight two. Go with asure thing Denver's best roofer Excel Roofing dot

(48:52):
com. You don't pay a centuntil you're content. Time for an insurance
check up. It's free, noobligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companiesfind out now three all three, seven,
seven to one help. You'll thinkyou're his only customer when you choose
Frank durand the real estate Man dotcom to list your home with Remax Alliance

(49:15):
three all three nine two zero sixteentwenty two. Hi Tom Martinez here at
three oh three seven one three talksseven one three eight two five five.

(49:35):
Welcome to the show. And uhyou know, uh really uh solar right
now. You can't help but thinkabout it when you look up at the
sun and all of the electricity that'sbeing generated for people. Probid Energy dot
Com one of our solar contractors thatdoes installation and they do U. They
do of course all the service andsales. Probid Energy dot Com. Now

(50:00):
Stella's got a issue on solar,come to think of it. Go ahead,
what's going on with you? Stella? Hi Tom, thank you so
much for taking my call. Wepurchased solar in September twenty seventeen from Alpasso
Green Energies dressed Peace View Solar byl Pasco Green Energies. It's called El
Paso Green Energy. Yes okay.And this is a company, is that

(50:24):
right? Yes? Okay? Andwhat about all that? We were told
that if we moved we could takesolar panels with us, they would take
them down for us. And howlong ago? How long ago did you
buy it? It's twenty seventeen September. Okay, now, did you buy
it or did you lease it?Bought it? Okay, and tell me

(50:47):
what's happening. You want to leaveand they say you can't take it?
What's the situation? No, InJanuary through April of twenty three, our
electric bill sort between two hundred andeight dollars and three hundred eventy five dollars.
So we tried calling. How didit do before that, stella?
When you well, we were wewere in the single digits, we were

(51:08):
like maybe the double digits that wewere paying. So it was really helping
you. It was really really helpingyou when you first did it. Mm
hmm, okay, go ahead,Okay. We tried calling them and found
out they must have went out ofbusiness because all phone numbers were just connected.
Yeah. Most most solar companies goout of business after they do their

(51:30):
at the end, most of themaren't real companies. They're just sales arms.
Do you know who actually installed yoursystem? Uh? It just says
L Pasco Green Energies Energy Slash PeakView Solar by L Pasco Green Energies Energy.
Okay, Slash. What was thatsecond name of the company. It
was L Paso and then slash whatPeak View Solar. Yeah, Peak VI

(51:55):
Solar might be the one that didit, It doesn't matter. Right now
you have uh purchase documents where youactually bought the system and you got the
tax credits right, Okay, sowhat is your question? My question is
now if we get hail them isthis summer? What do I call to
take those panels down and put themback up? Okay, happen to break

(52:20):
a panel? I'm going to tellyou now the actual solar system itself for
service, you can call a goodsolar company. We have two of them.
One I told you was that probidEnergy dot com and we have Red
Rocks rs dot Com. Red Rocksroof and solar. And again they do

(52:45):
they do solar, They do roofin conjunction or removing and putting stuff up
for your roof when you have asolar system. But the Red Rocks is
a good company too, So youcould call any one of of those companies
on our referral list and they wouldtake care of anything that happens to your
system. Now, if you calla regular roofer guys, what do you

(53:05):
guys do? And Excel Roofing Henry, what do you do when you come
and there is a solar system,let's say, and you have to remove
and you have to do it.Do you guys have a crew that do
it? Or do you subcontract?What do you do? So the first
thing that we're going to do islook for who installed the system? Yeah,
if you can, right for sure? We don't want to avoid anybody's
warranty. Yeah. And if they'vegone out of business, then we would

(53:28):
defer to one of our trusted partners. Okay, So they would do the
same thing. They would try togo to the original company. But if
the original company is no longer there, Stella, you still have a system
that needs to be serviced and workedone. Yes, I live by the
way. Where is this red wrong? They would go out to Pablo SODA's
pro bid. They're in the Denvermetro area, but they go all over.

(53:52):
Okay, now, Stella, Iwant to ask a few questions.
I want to ask a few questions. You said it was generating a lot,
and it was doing well until whentill January of twenty three. What
happened in January of twenty three?I have no clue, but it went
on all the way till April,and then you might want to have your

(54:12):
system looked at. Yeah, Iknow, we didn't know what we call
them or no? No, notthat I mean a good so hold on,
so is your electric bill still highernow? No, it's all the
way down again, I get corrected. It just peaked for a short time.
Yes, oh no telling what couldhave done that? As long as
it's working, Stella, you're fine. I don't even know. I really

(54:37):
don't even know. And I shouldask our solar people. I don't even
know if they have to be checkeddown. Then I have no idea.
Mark, do you have any ideaif solar systems need to be periodically checked?
I have no idea. Maybe don'tknow. Maybe we should ask,
you know, we should, youknow. That's a good question anyway,
So Kachina, when you get achance, either pro bid Mark or all

(55:00):
over Brook and just ask a generalquestion. If someone has a solar system,
it ain't broke, don't fix it, but do you ever get it
checked? Yes? What we're gonnasay, Henry, So, typically a
solar panel will lose about point fivepercent two point eight percent? What per
year? Per what per year?What of efficiency? For what reason?
It's just it deteriorates slowly. Idid, but that's not a lot,

(55:23):
but point five let's say half apercent a year, right, Okay,
so in ten years. Yeah,I guess I just never knew that at
all. We can ask about thattoo. Three oho three seven one three
eight two five five. So coolingyour home, we're going to continue that

(55:43):
discussion as well on how to doit properly. We talked about attic ventilation
with or without a fan. Atticventilation is the number one, even before
a whole house fan. Now no, I love whole house fans, trust
me, but if your attic isnot properly ventilated, it's going to stifle
the whole house fan. And plusyou're gonna have too much heat in that

(56:06):
attic. So attic ventilation I've saidit before, the number one overlook system
in your home. We got moreright after go with a sure thing Denver's
Best roofer Excel roofing dot com.You don't pay a cent until you're content.

(56:27):
Time for an insurance check up free, no obligation. In 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 durandthe real estate man dot Com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.

(56:51):
Hi Tom Martinez here three oh threeseven one three talks seven one three eight
two five five Bennett? What's goingon? Bennett? Yes, sir?
What is happening with you? Youknow Tom, I've called you before on
this and if I'm out of line, I want you to tell me.

(57:12):
But I am so damn frustrated.What is it? What is it?
It's vehicle admissions? Tell me aboutit. What do you mean the testing
procedure or what the testing? Uh? We've got two vehicles that are just
five years old. Yes, mywife went this morning at a a M
to get a test. There wasninety cars in front of her. Oh,

(57:35):
I've heard other people talked about this, Henry, What were you going
to say about it? Do youjust find a drive by? All you
have to do is find a locationand drive by. Okay, you can't
do that on Altra kid twice yougot to do? You can look them
up, can you really? Butokay, you can look them up and
all you have to you have todo two and six months and then you're

(57:57):
sent the thing. It'll say thatyou don't have to have any missions on
your card. So I mean it'llsay where will it say that? It's
printed on the car, just tellsyou that and you carry it with you.
No. No, the card thatthey send you to get your license
plates renewed will have on the bottomno missions, and it's called rapid right.

(58:21):
I did one of these this morningand it was yeah, it was
great. You went this morning andit was great, but defined great,
I mean, no way, juststraight through. It took me five minutes.
Where'd you go? So it's Ericare, Colorado specifically the one in Sheridan.
I've had great luck there. Theone in Parker they had a problem
yesterday. Their sister went down,and that may be why where did you

(58:44):
go? Which one? My wifewent to the one in southeast Aurora and
there were ninety cars there was.She went there at nine o'clock this morning
and she came home by ten.She was so, well, that's not
bad. And they went through ninetycars they were she was number ninety in

(59:04):
line to be tested. You know, I treat these things just kind of
like I treat the DMV. Youget there right when they open and then
you're in and out. And Imean sometimes that happens to the DMV,
sometimes it doesn't. But that's that'show I've handled these ones. And I've
had to do this on a lotof vehicles. Are you talking about the
one on ilift for the one inParker, the town of Parker? I
mean specifically AirCare Colorado is who Iuse, and I like the one I

(59:29):
share. All air Care I thoughtthere are. Yeah, they're all air
Care. It's just different locations,but they're all run by the state.
Yeah. Well, you know,Tom, My opinion is, and I
could be totally wrong. I thinkthis is how do I put it.
I think it's highway robbery because there'sall the cars today should pass the missions.

(59:50):
That's the way, Bennett. Bennett, you said something that just hit
me. Did you say your vehiclesare only five years old? Yes,
they they're exempt. Pardon they're exempt. All vehicles are for the first seven
years are exempt. Then why areyou getting an emissions check? Bennett?
Well, I don't know, Tom. We just opened up the mail yesterday.

(01:00:10):
The plates are due and it saysa mission test required. It did?
Yes, I wonder why what yearsthat vehicle? The one that I
have is in nineteen and the otherone is a twenty. They're exempt.
I don't know what else to say. So, how do you know what?

(01:00:35):
We got a call? We gotto call one of our people,
Mark. Don't we have an expertsomebody? Thats sus used to have somebody
that knew about the air program.I don't know why you would. Why
would your notice say admissions test required? Does it say admission test required if
blah blah blah? Or did itsay on this car? Or I mean
send us a picture of that?Yeh? Send us the notice you got,

(01:00:58):
Bennett Kitschena tell help them get usa picture of that. I find
that hard to believe, because Idid think that it was supposed to be
exempt. Did you bring those carsin from out of state? Did what
difference when you bought them? Where'dyou buy the Bennett, let's see the

(01:01:22):
last one, I bought town HighNations. Yeah, but you bought them
in Colorado? Right? What differencewould that have makee? Chopper? If
he bought them out of town,they would be required to have auto emissions
and I don't think they're exempt toseven years. It's seven years. I
think it is because I the oneI registered this morning. I needed a

(01:01:42):
VN verification for it because I gotit in Arizona. But it didn't require
emissions. And why'd you go toget the vin verification? But in addition
to that, my goodness, people, listen, seven years, no emissions
needed. That's just how the statelaw is. Okay, Now where's our

(01:02:02):
solar guy that had questions? Oh? No, we were going to ask
another question. What was it thatwe had for our solar guy? Oh?
Yeah, yeah, on service andefficiency and all of that. Right,
what else? We had another question? Anybody want to help me here?
Go on, Mark, make funof me? Tell me Mark?
Are you there? You bet heyman? Probid energy dot com? Okay,

(01:02:25):
we have a quick question. Isit true? Oh? I know
what I was going to ask aboutregular service? But first let me ask
you this just a solar panel,just that sits there on the roof.
I guess Henry over here was lookingit up and said that they can lose
efficiency a little efficiency each year theydeteriorate. Yep, yep, so just
phenominally though, yeah, I meanthere's people that have systems for thirty years

(01:02:50):
that are still okay, okay,now as far I know what the question
we had this woman said, thecompany that did our system went out of
business. Of course we hear thatall the time. So she says,
who do I call them? Youhave a problem? And I told her
about you guys. Another question Ihave what if you don't have problems and
if it ain't broke, we alwayshear you don't fix it, But do

(01:03:10):
solar systems every now and then?Should you have them checked? I mean,
I don't know the answer to that. You know, I don't think
it's a bad idea. You know, a lot of people get so accustomed
to not you know, out ofsight, out of mind, just like
anything in a house. But yeah, it doesn't hurt to have them just

(01:03:30):
check. But I would say probablynot unless you're having a problem. Maybe
you go five years. I don'tthink. Yeah, yeah, I agree
with you, just just to knowit's operating properly, you know, And
a lot of a lot of thesefolks have apps they can see how their
systems operating. Oh good, Oryou're getting an electric bill when you didn't

(01:03:52):
used to get one at that sametime, you're like, huh, something's
going wrong. Hey, Mark,I got a question now that you've talked
about an app, do you guysor do any solo companies ever have a
way to remote into their customer systemso they can diagnose things without going there.
Yeah, a lot of the systemshave that. Some of the older

(01:04:14):
systems do not. So older systemsyou'd have to make a service call.
But some of the newer systems thatwe install, we can tap into their
system to let them know. Ihave a perfect example. A guy had
a lightning strike. He's got aproblem with the system, so we tapped
into it. It looks like itmight be a branker, so we have
to go out there and make aservice Okay, So but you literally can
then network into it. Yes,And some that we did not install,

(01:04:39):
we have to get permissions from thehomeowner and they may have to pay a
fee to give us that permission togo in and then we take over their
service essentially. Okay, but that'sreally good to know that you can have
you can look into their system andfigure out what's going on. Just like,
yeah, I mean that's really yeah, And I think that's where society's

(01:05:00):
going in general, I mean asprobid Energy dot com three oh three six
two three fifteen thirty one. Mark, can Tesla tap into your car and
diagnose anything from your out and yourdriveway or what? Yeah, I don't
know, like anything, but theycan do quite a bit. They can
see if everything's working. I'm notsure about to repair, right, okay,

(01:05:21):
yeah, well if it's hardware obviously, stuff like that now, okay,
all right? Three o three sevenone three eight two five five 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

(01:05:45):
obligation. In comparison, call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeoh three seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two. Hi TomMartinez here three all three seven one three

(01:06:17):
talks seven one three eight two fivefive here to help you solve problems,
answer questions, take complaints so coolingyour house. When we talked about the
whole house fan, Uh, itwon't work if you don't have good attic
ventilations. So you got to havethe attic ventilation that we talked about.
Now, Henry with excel roofing,What if tell us about that fan that

(01:06:38):
you guys have. I love thatfan that you guys have. You can
drop it in and that's it,right, I mean you don't have to
wire it to the house, doyou. Yeah. So you're referring to
the solar powered attic fan, right, how does it work? It's great.
You don't have to get an electricianup there. Nothing. You just
take this fan. It's got asolar power on our solar power. Yeah,
we'll take a system on it.You place it on the roof and

(01:07:00):
as soon as the sun comes out, starts working, draws all that hot
air out of your attic. Itacts as an exhaust vent, pulling up
the air through the intake events.Very efficient and it runs whenever it wants
and you never have to touch it, yeah, unless it breaks on you.
But like a regular attic fan,you have to wire that into your
house. For this one, youdon't. You just put it up there.

(01:07:23):
Yeah, and you and it dropsin right literally into a hole,
and then you you obviously have toinstall it properly so it doesn't leak.
And then that's what a roofer does. And then it just as Ron P.
Peel once said, you set itand forget it absolutely. And this
thing's super efficient. It moves aboutfifteen hundred cubic feet of air per minute,

(01:07:43):
so most homes just need one,right, Yeah, it depends how
bad your attic is if it hasproper ventilation. Now I know Excel roofing
is pretty what's that you got touse the mic chopper? You're reminding me
of Deputy Dock. Now I'm sorry, I go ahead. I had a
doc moment. What's the cost onthat? You know? It depends if
it's going in with a new roofor a Yeah, if it's going in

(01:08:08):
on its own. What's the rangeshooting? You know, I can't remember
off the top of my head.I think it's about one thousand dollars one
of these. I will quote meon that. I think it was one
thousand and fifteen hundred as I remember. But I'm telling you it's well worth
it because it will your air conditionwill work better. Now, remember you
still have to have the proper ventingthe lower events to pull it out.

(01:08:30):
Yeah, and then along that extendlife of your roof, right if you
get heat blisters. So on thatnote, it does give you the IRS
tax credit through IRS Forum fifty sixninety freely. Yeah. Oh, I
didn't know that. You will youget a thirty percent credit on that.
You know, you'd have to referto that government page. But there is

(01:08:53):
a tax credit available. Okay,So that's cool. Now we talked about
that. The next step, Nowthat's before you do anything else, right
that, even before you do solarand before you do a whole house fan,
make sure your addict is ventilated.As I said, you don't always
need a fan to do that,but make sure the attic's ventilated. After
the addicts ventilated, I personally wouldthe next do a whole house fan.

(01:09:17):
That's when I do a whole housefan. And those are quiet cools.
You know, you've heard me talkabout Qccolorado dot com and there are other
dealers that have quiet cool in otherparts of the country. Now, what
you do is that is a remotemounted fan in the attic and it vents
into the attic. But then rememberthe attic then is vented, so it

(01:09:38):
goes out of the attic and itpulls air from the lower parts of your
house through your house and destratifies theair. So with good attic ventilation and
then a whole house fan, thosetwo things alone will be an incredible savings
on energy, keeping your house morelevel. There will be many times you

(01:10:00):
never even need to use air conditioningin a There's probably only one season and
the height of that season where yourair conditioner will work hard, But it'll
work less hard with this than withoutit, especially with the ventilated addict and
the whole house fan. Absolutely,I mean it's incredible. I mean it,
It makes the entire difference. Andthe best time, of course to

(01:10:24):
have your ventilation your attic check iswhen you're having a roof done. So
but let me ask you this though, if you notice, we don't we
don't have a lot of time,but maybe we'll talk about that. If
you notice some of the ventilation problemsduring an install for insurance, will insurance
pay any extra at all to doit right? Or you know, it
really depends, but we'd always pushfor that. Yeah, Or it's the

(01:10:44):
cheapest time to have it done becausethey're already mobilized in there. Exactly.
Yeah, I'm Tom Martinez. Wegot more coming up on the Troubleshooter Show.
Get your calls in any problem,question or complain three oh three seven
one three talk seven one three eighttwo five five. Go with a sure
thing Denver's best roofer Excel Roofing dotcom. You don't pay a cent until

(01:11:04):
you're content. Time for an insurancecheck up free, no obligation. In
comparison, call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three all three sevenseven one help. You'll think you're his
only customer when you choose Frank durandthe real estate Man dot com to list

(01:11:25):
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.
Ripped news. You don't have come, runs as fast as you can.

(01:11:45):
Shooter's gonna help. Come man,This is the Troubleshooter Show. No Tom
Martino, Hi, Tom Martino,Your troubleshooter three O three seven to one
three talks seven one three eight twofive five. What's going on in your
life? Happy afternoon? You knowwhat we are here for you. Anything

(01:12:09):
we can do for you. Youcall us if you've got a problem,
question and complaint. There's some stuffwe've been talking about that I want to
bring up. Let's see, Ihave it right here, all right,
I know, I I uh,this is not going to be I'm not
going to descend to the level ofMichael Brown Show today, but I will

(01:12:29):
talk about some stuff. And whenI say descend to the level, that
was all because of but you're dragonIs Talk Dragon They did Penis Talk.
They talked about that thirteen what todo and what not to do with your
penis thirteen things. So anyway,I'm going to talk about what we do
in bed. And I talked aboutthis a little one day, but I

(01:12:54):
have actual stats here. So whatpercentage what do you think people do the
most in bed when it comes totechnology? If you had to pick,
When I say technology, that's everythingthat's iPads, computers, smartphones, not
your TV. We're talking about devices, so not your TV, yourvice,

(01:13:15):
your smart devices. What do mostpeople do with their smart devices in bed?
What's the highest percentage and what dothey do? I'll give you a
hint, sixty five percent? Whatis it? They read the news?
No emails. They just like justnormal stuff. They check emails and messages
sixty five percent. Now the nextlargest percentage of people scroll through social media.

(01:13:42):
That's almost kind of the same thing. Sixty five percent look for their
messages and emails, and then fiftynine percent look for or look through their
social media. And then what wethink is next, you know, porn,
no regular YouTube videos. You know, porn, believe it or not,

(01:14:02):
is not as much as you thinkit's not. That's not me doing
those sound effects. By the way, in case you wondered, so regular
videos fifty we were we were prettysure that I wasn't. And I watch
I watch videos in bed. Iwatch a lot of them, not videos,
movies. I fall asleep, Likeonce in a while, I'll play

(01:14:24):
Seinfeld episodes. Oh god, there'sI've started watching that again. Mark from
the beginning, there's a lot Iwatch it. It drives Tuesday and nuts,
but I watch it almost every night. And and I forgot about a
lot of the episodes. Geez,I mean you go through them and you
forget about anyway. So that's fiftyfour percent, and then there's still a

(01:14:48):
big percentage that check weather forty threepercent, and then TV shows and movies
along with that. Now people shallonline thirty four percent. We still haven't
gotten to porn. No, I'mserious thirty three percent. Look at the
news, uh thirty four percent.Music so reading ebooks eighteen percent. Now

(01:15:15):
I read. I've read e bookshere and there. The thing I hate
about e books are on mine.I got it. You got to freeze
the orientation because I don't like whenit goes when you lay sideways. You
still want to read it. Nevermind, it's hard to explain it,
but I don't want it to flipover anyway. Only fifteen percent of the
people watch porn in bed fifteen mosteverybody does everything else, but only fifteen

(01:15:42):
percent do the porn in bed.I thought you'd I thought, yeah,
everybody knows. The best place towatch porn is work at work? Do
you actually can you actually do that? That's probably what you're doing in there
when I'm in here working three ohthree seven one three talks seven one three
eight two five five. So wehave Henry with us from excel Roof.
We were talking about cooling the houseand again, attic ventilation was the first

(01:16:05):
thing. Second thing was whole houseventilation, and then you can then talk
about your air conditioner and if youwant to get really efficient. Of course,
solar systems. Solar systems have hadan uptick recently in all kinds of
popularity because first, because electric billsare getting higher, solar has a don't

(01:16:30):
but don't you think, Tom,if they got rid of the subsidies,
the entire industry dies. Yes,I think it would go away. I
think people are doing it well.I mean I think it would be cost
prohibitive, Yes, I do,yep. And in some of these commercial
systems, I am still astounded,honest to god, on how you can

(01:16:51):
get half of it paid for throughgrants. They're special rep grants. But
in addition to that, you canget sixty percent. With other ways,
you actually get one hundred and tenpercent of it paid for if it's a
commercial system considered a rural area.Now rural doesn't mean just out in farmland

(01:17:13):
either, It just means not withinmajor cities. You can get commercial systems.
Now, there are some landlords thatthese do these commercial systems. So
they get a grant and they andI have case histories, they get a
grant and then they get the taxcredits and the incentives and you add all
that up and let's say the system. I'm just giving fake numbers here,

(01:17:36):
but the percentages are real. Let'ssay the system costs one hundred thous they
get one hundred and ten. Theyput ten grand in their pocket net positive.
Now this commercial system, let's say, is for their warehouse building blah
blah blah. So now you subtractthe electricity. They're not paying for it,

(01:17:57):
right, So that electricity, let'ssay in a year, would have
been one hundred and twenty five thousand. So now you have one hundred and
twenty five thousand a year they're making. Plus they're over generating selling back to
the grid, which produces more money. So now you're up to let's say
one hundred and eighty thousand. Andthen they have a few tenants, and

(01:18:20):
those tenants are paying for their electricaluse even though the landlord is getting it
through his solar system. But hecharges them less than they would pay if
they were hooked up to a powercompany, and he makes money there.

(01:18:40):
So we have some commercial systems wherethey have commercial buildings and they're also landlords
actually making two hundred thousand dollars ormore a year on their system. After
it cost them nothing to put itin. I mean, when I was
shown this on paper, and youknow, Red Rock showed me, Brooks

(01:19:05):
showed me Red Rocks roof and solar, and then Mark over at pro Bid.
They're doing commercial systems, getting themdamn near paid for. It's amazing
to me. It's just amazing howpeople are pushing solar. You also,
if you here's what else I foundout that I found was amazing. If

(01:19:25):
you couple in with the solar system, high efficiency AC or furnaces, all
of that, you can get taxcredits on the whole system if it's considered
integrated, so that that fifteen percentor excuse me, that thirty percent tax

(01:19:46):
credit is on everything go ahead.So there's some manufacturers that do that with
the roofing too. Now I heardthat. Now the actual roof is the
panel, right? Is that gettingpopular? Yeah, so that's the solar
voltaic shingles. Yeah, well Tesladoes it. Yeah, it's very similar
to Tesla, but there's also likeroofing shingle manufacturers doing that. What I

(01:20:10):
want to know about that is whenyou guys install those, how do you
install them? Do you have towire them together? Yeah? You do.
It's just like a regular do theylike plug into the little fast Yeah,
there's a little fasteners and plugs.But what I was getting at with
that is like there are some companiesI don't want to call them up by
name, but they will wrap theirshingles, the asphalt shingles into that solar

(01:20:30):
package and sell it as an integratedsystem. I mean, does that be
correct to you? Yeah? Wellyeah, I hear you can do that.
I mean I was told you cando that if it's integrated into the
solar system and part of it,you can get your tax credits on that.
So has your dad has Excel lookedinto these solar do you guys do
any solar shingles? So that specificroute I was approached to do that,

(01:20:54):
I did not go through with that. I would think they probably don't like
like the Tesla brand. I meanit replaces what they do. Well,
what do you mean it replaces whatthey do? You mean the soul it's
not like a panel on top,it's the roof. Right. Oh,
so it's both the panel and theroof. But but why couldn't they But
but roofers can install them. Theycan't. They don't just have anybody install

(01:21:15):
them, right, I don't.I don't know how Tesla works. I'm
just talking about the Tesla product.So with with that company that I was
referring to, they actually the manufactureracts as the GC and then subcontracts the
roofer and then uses the roofers labor. So it's it's a very complicated process
and there's a lot of different piecesthat go into it, and I mean

(01:21:36):
bracket mounted it just it seems tobe the simplest and the easiest to work
on it as well install. Sothat's what we're the biggest fans of.
Now. When when you do let'ssay, when you do these solar roofs,
I think eventually I can't. Ican't. Like GAF makes one,

(01:21:56):
right, Okay, I think eventuallyit's going to be the way. Why
wouldn't everyone with all of that roofexposure all over, why wouldn't we capture
that free energy? Now? Howmuch more though they're probably a lot more
than a regular roof obviously, right, yeah, it's a lot more.
And I mean on that note,especially in Denver with our market, we

(01:22:17):
have a lot of these reroofing projectsfrom insurance and the insurance will not cover
that additional cost because it's no,no, they won't cover that additional but
you can get tax credits. Sure, I mean, I'll bet. I
imagine you can have your insurance payfor the roof part, you kick in
extra, and I think if youget the tax credits on it, that's
an incredible thing. Now with theroof panel, that's just the panel part

(01:22:40):
of it. You still have tohave the inverter and the net metering and
all that, which is fine.But from what I can see from these
illustrations online, these solar panels arenice looking. Are they a good roof
in and of themselves? JF andthe rest of them. So the issue
with JF is these are not Classfour shingle. This is a class three
system, So how does that differfrom a four? So the four is

(01:23:04):
the impact resistant. So our marketis a hail market. We have lots
of hail, and so our shinglesare going to be rated out of class
two, Class three and class four, and class four often gets as a
discount on our insurance. So theseare a class three, so they do
not qualify for any discount, andthey are not rated the same as a
class four. Okay, but theystill they still are a roof though I

(01:23:31):
mean they're not. You know,there's still a pretty hardy roofs class three
right, sure, I mean threeinch hal is going to total like anything,
So that argument is definitely valued.Okay, So, as I said,
I think that's something we're going tosee in the future. Three oh
three seven one three talk seven onethree eight two five five. We have
more coming right up. Go witha sure thing Denver's Best roof of excel

(01:24:00):
gro dot com. You don't paya cent until you're content. Time for
an insurance check up free no obligationcomparison call Compass Insurance paying too much your
coverage at dozens of insurance companies findout now three oh three seven to 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

(01:24:24):
three nine two zero sixteen twenty two. Hi Tom Martino here, three oh
three seven one three talk three ohthree seven one three eight two five five.
We're experimenting with taking a video call, but it's gonna be hard because
we don't have the audio. No, no, I'll have it figured out

(01:24:45):
real quick. Well, we'll figureit out. That's a good one,
Mark, that's uh. It's anexperiment on taking video calls for UH.
That's cool. Yeah, for UHfor the show. Wouldn't that be cool?
So then we give we'd have tobe able to get them on the
air, of course with our audio, and then get them on video for
our stream. There's still a delay. What do you mean, Oh,

(01:25:11):
well, no, if there won'tbe a delay, there won't be a
delay. There will be a delaybecause YouTube. YouTube's always delayed. Chopper
always YouTube. But we're not goingto be listening to them through YouTube in
the future. What we'll do iswe'll figure out a way to get them
through our regular board and then we'llbe able to put out what do we

(01:25:32):
do, Mark, is it aphone number he calls or how do you
get them up there? I justsend a link. I send them a
link and all they got to dois type in their name and they're hot.
Oh that's very couz. We'll justhave to figure out a way people
line up with a link with them. They line up and then we send
them links and then we can getthem on the air with video and audio.

(01:25:53):
See cutting edge. We're always lookingfor cutting edge here on the Troubleshooter
Show. I'll tell you that,or we're you gonna say again, Chopper,
you're in basing yourself every time youcutting edge hands putting you're not up
for technology, Chopper. Just no, I was going to say, I
can stay at home now and talkto you. No, but yeah you
could actually And uh, speaking ofwhich, where is where is deputy uh

(01:26:15):
deputy doc today? Anyway? Souh, let me get back to a
topic we were talking about, andI'll tell I'll take Mike if he's on
there right now. But right now, as far as uh, where where
is it? Oh? Credit carddelinquencies all over the country an all time
high, and now they say probablythat will spawn a new round of bankruptcies.

(01:26:45):
So what I want to know ishow is that happening in the best
economy apparently we've had in twenty years? Because, by the way, I
don't know if you've heard that ornot. With the NBA interview, And
did you know that President Biden alsosaid he has gotten more accomplished than any
president in history? Did you knowthat more accomplished and accomplished more and done

(01:27:12):
more good than any he's even insultinghis own Barack Obama when he said that,
but he's bragging he's gotten more accomplishedthan any other president. Uh.
I guess we can throw the wholecivil war thing out of it now.
There is another trend, by theway, there's another trend going on with
unemployment. They say that there arepeople advertising for jobs and making it look

(01:27:38):
like there are jobs available to keeptheir public image up and to not take
hits in the stock market. Butwhen you apply for the jobs, they
ghost you. They say they're hiring, but they never actually hire. They
go through the motions but don't hirepeople. Have you heard of that mark?

(01:27:59):
That's happening a lot on people.I wonder why, what's the why
waste their own time? Because they'resaying that it gives the illusion they're busy
and vibrant and investors because investors noticelayoffs and they notice a lack of hirings
or a lack of job openings init as a leading indicator, by the

(01:28:20):
way, not necessarily a concurrent UHindicator, but a leading indicator. So
businesses want to give a positive leadingindicator, so they pretend they are hiring
and vibrant. Mike, you havea question for roofing. What's going on?
Hi? Tom, Hey, yougot a question for your guy from
Excel. Yeah, I had themput on a malarkey Class four roof about

(01:28:45):
four years ago. Yeah wait wait, yeah, there's literally a company called
malart It is my god, that'sDumba's name, because that's a great word
that that's one of Biden's favorite words. That's a bunch of malarkey. In
fact, he uses it in hisemails to me all the time. Anyway,
go ahead, and sir, so, I've heard advertisements for this company

(01:29:10):
that will treat your roof with abasically organic liquid to keep those shingles pliable.
And I'm wondering, first, you'renot talking about the one that says
it replaces your roof, right thatthe coding instead of replacing your roof,
you're not talking about that. You'retalking about just a treatment, right,

(01:29:32):
right, a treatment to keep theshingles pliable in our extreme UV environment.
So I'm wondering, first of all, whether that will void the Mallarkey lifetime
warranty and whether Excel thinks it's adecent idea. So, in my professional

(01:29:54):
opinion, I do not believe thatthat stuff has any lasting effect as far
as malarkey, I've heard of acompany endorsed that kind of product before.
It's kind of like moisturizing your roof. I mean, it's not really adding
any structural, you know, benefitsto it. Any pre existing damage is
still going to exist. It's anyweathering effects are still going to be there.

(01:30:16):
I mean, even if it doesadd something on top of it,
it's going to wear away ferish.I don't think it'll harm anything, but
I'll it's probably not worth doing.And what's the cost. I'm talking about
this the treatment. How much isit, sir? I don't know.
I haven't even looked into it,so I can't speak on behalf of malarchy

(01:30:40):
for that. I'm not sure.I would be surprised if it was.
But that's just my opinion. Now. I thought you were talking about another
one too, and that's the onewhere they say you don't have to replace
your roof, they code it andthey put a layer of liquid asphalt or
something on it. Have you heardof those? I have not. Just
is just a no, I go, this is just like a yeah,

(01:31:03):
you know, for years, bythe way, for years and I know
this is You're not supposed to saygypsies anymore. Isn't that supposed to be
a isn't that supposed to be likepolitically and correct. But there were travelers
whatever you want to call them,and they were going around, uh,
selling the spraying the roof or theasphalt and all that. And it's the

(01:31:24):
same stuff. I mean, it'sthe same concept. You know, it's
supposed to extend the life and helpit and it it really is a bunch
of crap asphalt shinglers. It takesso long to leach out their oils and
there really it does, I mean, so to add to it, I
frankly don't even know the extent theycan absorb it. It sounds like a

(01:31:48):
topical treatment that will eventually be leachedout by the sun. Anyway, Yeah,
I really agree with that. Andthen on the Mallarkey warranty, I
would reach out to the Malarkey repwho's local here or I have this PF.
I'm looking over it. There's alot of legal language in it.
I would just verify with them.Now, as far as some of our

(01:32:14):
problems in society, I want toswitch gears real quick. Do you know
the biggest There are two things excludedby health insurance almost all the time when
it comes to claims. Two things, and probably those two things are some
of the most important things for ourhealth. One is dental I've always said

(01:32:38):
dental should not be separate at all. You can take away cosmetic dentistry,
but dental cleanings and dental checkups shouldbe primary healthcare because they're the number one
indicator of disease. If you havegum disease and mount disease, it causes
inflammation throughout your whole body. Butthen the other thing, when it has
to do with the ills of oursociety, do you know that what do

(01:33:01):
you think the biggest turndown of medicalclaims is what going to take a shot
in the dark? Alternative medicine?Well, no, no, Actually,
alternative medicine isn't covered at all,so that's kind of a trick question.
It's not covered at all alternative medicine. So therefore, I mean and chiropractice
no longer considered alternative. So thoseare not turned down because they're not accepted,

(01:33:26):
they're not covered. Mental health claimsdenied. Do you know one of
the biggest deniers of mental health claimsKaiser Kaiser. So mental health claims are
turned down, probably more than anyother claim. So why why do you

(01:33:49):
think? And that is one ofthe biggest problems we have in the country
because a lot of things stem fromthat, as far as violent lens and
craziness. Anyway, I thought you'dbe interested to know that. So dental
I think should be major medical itshould be or not major. It should
be part of our regular healthcare.And then mental health is turned down more

(01:34:13):
than any other claim. 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 checkup free, no obligation.In comparison, call Compass Insurance paying too
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(01:34:36):
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
three oh three nine two zero sixteentwenty two. Hi Tom Martinez, your
troubleshooter three oh three seven one threetalks seven one three two five five In

(01:34:57):
the top ten by the way,and the top ten highest scammed states for
falling for scams. Colorado's smack dabin the middle five. They're in the
top ten for scams. That's whymy show thrives. The top ten.

(01:35:17):
They have seven victims for one hundredthousand population and the financial loss per one
hundred thousand people is seventy eight hundreddollars. Now what surprises me is the
number one state for ripoffs. Thisreally surprises me. Wisconsin. What's that

(01:35:42):
all about? Is it because theycan take advantage of the farmers. The
number two is District of Columbia.Number three is Nevada. Now everyone thinks
Vegas, right, because there's alot of scams come well, but remember
this is not where the scams comefrom. This is the number one area

(01:36:03):
or the top ten areas for beingscammed. So you have Wisconsin, DC,
Nevada, and then Alaska and thenColorado. Rounding out the list,
you have Vermont, Virginia, NewJersey, Illinois, Oregon. There doesn't
seem to be a rhyme or reasonfor these areas. I was looking politically,

(01:36:28):
I was looking demographically, I waslooking strategic. There's no geographic that
I can see there's nothing there demographically. No. Politically no, they're all
all over the place politically. Sothat just is weird that these states fall
for more scams. Okay, yougot some follow up, chopper. What's

(01:36:48):
going on? Bro, I've gotmy mic on Tom. Thanks. Both
these fallow ups have this time.I'm going to look them up here.
They have the same issue, thepart it's not being available. Oh oh
wait, wait, do you havenames on those so I can look up
the case. Yeah, let's gowith Mark. He was the gentleman with

(01:37:10):
the boat down in San Juan,and he could hardly use it. He
couldn't use it at all, anddidn't it What did he want? He
just wanted his boat fixed. Theyhe was waiting on parts, and he
kept on putting him off. Icalled down probably three or four times.
They called me back. The partscame in, they put it. They

(01:37:33):
delayed him again because they had sixnew boats to put out. I thought
that was reasonable, and bottom line, he got his boat. Oh really,
yes? No, wow, wellthat's pretty damn cool. You got
to give me a dinger there,bro, I don't have my day on
that. Since I'm not in myhome studio, I can't pull it out

(01:37:53):
so readily, thank you very much. Okay. The second one, this
is the same thing parts, butthis is which one was this? This
is uh Martin and lean Martin flooris it's with a lazy days of RV.
God. That was Yeah, thatwas sad. Yeah, yeah,

(01:38:15):
but they bought one bought a RVfor sixty nine dollars. They have sixty
nine. They bought a they hada two thousand and eight motor home.
Right, they bought for sixty nineto four. Okay, there's two sides
of the new store. Before theybought it. There were some defects that
was that were noted right and theydidn't get it fixed. Well. The

(01:38:39):
main thing, and this is whereyou and Mark had come in on this
because I'm not an expert on RVis apparently the part is so the automatic
level or levels the RV. Theysaid they couldn't use their units since the
day they bought it. However,I talked to a gentleman it lazy days

(01:39:00):
and this is the one out ina roar where the old stapleedon airport runway
within Yeah, and he says that'swrong that they could have they could be
using their RV they would just haveto manually level it. Oh, so
he's saying they should have came andgot it. So the reason, okay,

(01:39:21):
until the park came in, rightuntil the park. Well I kind
of agree with that. I didonce I heard that. And uh,
I mean, if you're even ifit's not perfect, if it's not unsafe
or anything, and you can useit, go ahead and use it until
the parts come in. Is itthat hard to level it manually versus no,
No, there's usually a little bubblethere and you can. What you

(01:39:42):
do is you sit there and youyou manipulate it, depending on if you
have hydraulic or if you have airbags. The newer, bigger units have
air bags that level it. Okay, right, And Lazy eight said they
would have even driven the RV totheir house so they could have used it,
or they will still do that.I had to back off Tom because
they both got attorneys and I will. But okay, but why are they

(01:40:06):
suing if they can use their RVbecause apparently they don't agree that they can
use their RV And Lazy eight says, we have legal advice. They said
they had legal advice. I backedout, Mark, do you have auto
leveling. You do, I'm sureyou do with that, Oh my god.
Yeah. But I'll say this,I'd have to have two systems fail,

(01:40:28):
the airbags and the other levelers,but it still doesn't even matter.
I if I had to auto level, and I had in our old unit,
I haven't had to do it inthis unit ever. I just put
a tennis ball on the tile andmake it so the ball doesn't roll.
It's not that hard to do.It's not like you're out with jacks.
But don't you doing self? Imean, don't you have a manual system

(01:40:50):
if you want to do it right? You do? You can? You
can. In our mindset, it'sall it's all computerized. I don't have
any form of a Oh there's nothere's no level. You're thinking on the
older ones. This is a twothousand. Had mine had both. You
could go to auto and then it'dgo like and adjust all the air bags,
or you went manual and then youcould like adjust things. Yeah,

(01:41:14):
well that's that's what I'm saying.So on my manual one, each of
the four legs, basically I canmanually operate bring them down or up,
so I can level that way.But then you just hit the auto level
on the air bag after you dropdefeat, and then the air bag will
dial it in. If yes,but if both but hold on, if

(01:41:34):
both failed, Tom, what youwould have to do? Well, if
both failed one hundred percent, you'dbe well, you just wouldn't be able
to level. But you can.You could manually do either or though Okay,
I get it, I get it, but that's odd. I'm shocked
that you have jacks that go downand hit the ground. Oh yeah,

(01:41:56):
man, garb like that. Yeah, because well, and then the air
bags on top of that. Solet's say the airbag bags go ahead.
Yeah, if the air bags wentout, you could literally level. You
could let all the air out onehundred percent and then level on those legs.
But when you're just stopping at Walmartor stopping, you know, one
night, let's say it's overnight,while you're heading somewhere, you just use

(01:42:18):
the air bags to level. Okay, But if you're on a grade,
if you're on something that's like afoot, I mean, I don't care
what it is. I've never seena bus or a big RV that's gonna
level handle two feet with airbags.No, no, no, no,
there's a limit to where I mean, even with the jacks, there's a
limit to where you can do itsafely. And yeah, but these people,

(01:42:42):
all they had to do was hitthe button. I don't want people
to think they had to get outand manually jack this thing up like a
fifth wheel. Right. What we'resaying is there's buttons where you hit them
and the feet come down, andthen you can adjust each foot up that
down. It's not that hard.There's four usually four directional buttons, one
for each a quadrant and mark ifif the thing is just slightly out of

(01:43:04):
the level, everything inside still works, like yeah, just a little crooked,
yeah, most all the time.Yeah, yeah, the leveling is
like sitting in a like sitting ina lenar home. I'm kidding. Most
most of the time. The levelingis for us, just for our comfort
and and also for drains and stuffit can it can help and on the

(01:43:27):
roof if you get if you getrain and stuff like that. So the
bottom line is lazy eight said theycould have used it lazy lazy days.
You know. I'm wondering. I'mwondering if we should put them in the
Biden home a depitty dock and deputychopper. Now I'm and uh, we
we should have the Biden Home forfor retired deputies. Go with a sure

(01:43:56):
thing Denver's Best roof of Excel Roofingdot com. You don't a cent until
you're content. Time for an insurancecheck up free no obligation comparison call Compass
Insurance paying too much your coverage atdozens of insurance companies find out now three
oh three seven to seven to onehelp. You'll think you're his only customer

(01:44:16):
when you choose Frank durand the realestate Man dot com to list your home
with Remax Alliance three all three ninetwo zero sixteen twenty two. Hi Tom
Martine, your troubleshooter three oh threeseven one three talk three oh three seven
one three eight two five five.So let's talk about your problems, your

(01:44:41):
questions or complaints. We have ExcelRoofing with us as well. And somebody
had a question on a solar uhsolar roofing and these solar roofing panels as
I said that they're relatively new,relatively new, Have you guys done any
installations? They wanted to know ifyou've done any at all. We have
not done any yet. I mean, we'd certainly be open to it,

(01:45:03):
we just haven't found the right partner. Yeah, and you're looking into it
again. It's really relatively new onthe market. But they are panels that
plug together and generate electricity, andthey're photovoltaic and a lot of people are
starting to manufacture them. We havemore coming up. Go with a sure
thing Denver's Best Roofer Excel Roofing dotcom. You don't pay a cent until

(01:45:26):
you're content. Time for an insurancecheck up, free, no obligation comparison
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three o three seven to sevento one help. You'll think you're his
only customer when you choose Frank durandthe real estate Man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two new

(01:46:00):
needed So you don't have come,run in just as fast as we can.
Shooter's gonna help come. This isthe Troubleshooter Show. No Tom Martino,
Hey Tom Martino here, Welcome tothe show. Three oh three seven

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seventy two months to pay with nointerest, seventy two months to pay three
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speaking of financing, I had atext here about this Henry for roofing.
Most I think your dad said eightyfive percent of the people get their roofs

(01:47:26):
replaced through insurance because of where welive and how we live. But you
have about fifteen percent people that haveto fifteen to twenty percent that buy roofs.
Is that about it? Retail customers? Yeah, so the retail customers
will always be there, and itdepends that might because of a real estate
transaction right where they're requiring a newroofs yeah, or it's just so old

(01:47:49):
you got to get a new oneexactly. I mean there's roofs like cedar
shakes. It's really hard to totalthat out with Hale, and so there's
situations where customers will be forced topay out of locket for their roof or
their insurance might drop them. Sothere's a lot of situations when that that
comes up. Now, one thingsomebody wanted to know is they're financing available.

(01:48:11):
Now. I don't know if youguys deal with that or not.
Do you absolutely you can finance aroof? Oh wow? I wonder if
do they do it like an equityloan? Do you know or what?
Do you have any idea? Idon't know if it's a lean on the
house or not. I'm asking.I don't believe, so I'm pretty sure
it's a line of credit. Okay. So anyway, they do have financing

(01:48:32):
available for roofs. That's good newsfor this person because apparently they need one,
and again they need it, butthey don't have an insurance problem.
Go ahead, yeah, call usup. I mean we can go out
there, we'll do a full evaluationof the roof, give you a quote,
and we do our own financing.We can provide whatever rates you would

(01:48:54):
be interested. I mean, whatyou'd apply for, you know, what
would you give you? And yeah, just go from there. Okay,
now listen to this. Okay,we have a ton of text for some
reason. But I don't know whatthis one means. It's exempt until you
sell it, so if you buyit used, it's no longer exempt.

(01:49:15):
I don't what were we talking about, guys? Then? I think it's
thinking that has some to do withthe emissions, and they're completely wrong.
In the sixth year, if yousell it, you have to get a
test. If it's five or Ithink five and a half years, you
don't have to right, like youwere saying it, it's it's the vehicle,
not the owner, of course,right. So the year, it's

(01:49:40):
the year of the vehicle, right, And will there be a time do
they? They're not phasing out testsat all though, right, even every
car, no matter how new itis, Like if you get a twenty
twenty five car, it's exempt forseven years, right, Guys, at
the end of the seventh year,you still got to get it tested.
I mean, in other words,they're not making cars that are exactly electric,

(01:50:02):
yeah, for right now. Imean they could change that in the
future for sure, because they're gettingbetter at emissions exactly now. Speaking of
the heat, I got a textand I looked it up. People heard
that if you fuel during these hotdays, you're paying a lot for vapor

(01:50:25):
and you're paying for your paying forfuel, but you're not getting as much
that the volume. You get morevolume with cooler weather. Can I address
that? Go ahead? I lookedit up. Can't I actually have my
mic on. I have a car, and a lot of cars tell you
how many miles you have? Yes, when you fill up, That's what
I've noticed that with the heat,it'll stop at the pump and it'll only

(01:50:48):
say I have like three hundred andthirty. On colder times, when I
fill it up, it'll go allthe way up to three hundred and sixty
and it's the same. So youdo think you get more do You're not?
But you're not paying for You're notpaying. In other words, it
doesn't with hot weather. You're notgetting robbed, is what I'm saying I

(01:51:09):
don't. Yeah, the volume inyour tank can be affected somewhat. That's
for existing gas. For example,if you go on a hot day and
your existing tank is very hot,it has more volume, so you can
you add less to it, butyou add, but you pay for every

(01:51:29):
dime and you're not getting cheated.If it's cold, your your gas has
less volume, and therefore when youfill up your you can put more in.
That's why your mileage is showing.However, if you started out with
an empty tank on an extremely hotday or an extremely cold day, do

(01:51:50):
you get more or less gas?The answer is there's no difference. Or
let's put it this way, thatthe measurements were less than one percent of
a difference. Why it's logical,think about it. I had to think
about it for a minute, andthat is because gas is stored underground and
it's not subject to the ambient temperatures. The average is about sixty eight degrees

(01:52:15):
to sixty five no matter what.So those tanks are insulated and buried enough
now that you don't get any variationsin volume. So I hadn't thought of
that. So thanks for texting that. That was a brain teaser, all
right, now here's a question forMark, and they knew I wasn't gonna

(01:52:36):
say, Mark, do you thinkthat liberals will back off of the incindiary
speech about threats and dictatorships and doingaway with elections? Do you think or
is it just temporary? No,you don't think they will back off.
It wasn't even temporary, but whocares. I thought it was. I

(01:52:56):
don't think the other side will either. Okay, you think they're both going
to just hit it. Well,the difference is the one calls name,
so one says, hey, he'san idiot, he's a buffoon, he's
stupid, he can't talk right,he looks stupid. I mean that's one.
But then the other one's like,he's hitler, He's going to kill
the country. They'll never be anelection. So there's a lot of differences
in the hate speech. But Idon't think either side is giving up on

(01:53:19):
the hate speech. Okay, Biden, Biden has nothing to run on.
The only thing he can run onis anti Trump. He has done nothing.
He can't form he can't form asentence on. He apparently marked it
not here, he marked it nothear the interview with Lester Holt he's accomplished

(01:53:41):
more than any other president. Iwatched the I watched the entire interview,
and he was a bumbling buffoon.Yet again, Why these people, why
his handlers, and I don't knowif that's just Jill or all of them,
why they even allow him to gointerview? Here's what I understand.
Did you see him jump down Lester'sthroat? I mean, this guy was
pretty much provided you reporting on thelies that he told? Is what they

(01:54:04):
asked, and is what he asked. Why aren't you reporting on the lies?
Why just on me? But buthere's what I want to know,
when went really, oh, youknow what, I'm really sick and tired
of hearing. Honest to god,you gotta talk about this because I'm tired
of hearing Biden say this, andhe says it every fricking time, and

(01:54:24):
he also does it in his emails. And that's this that he's promised that
on day one he's going to bea dictator. Did you ever hear the
interview where that was said? Didyou ever hear it? Yeah? It
was total bs But then there wasnothing like it. But why wouldn't Why
wouldn't an interviewer say, well,really, did he really say he would
want it to be because because theywanted in the bag for the Democrats.

(01:54:45):
The other thing he says all thetime he brings up this bloodbath. The
bloodbath was about car manufacturers in theUS. That was all that was about.
It had nothing to do with likea blood bath in the street.
And you're right, none of thesepeople call him on them because they all
have it in the bag for Biden. Why I have yet to understand that

(01:55:05):
except where indoctrinated, indoctrinated very youngnow coming up through public school. Then
they want you to go to college. And by the way, most of
the people coming out with stupid degreesare making no money whatsoever compared to a
plumber and an electrician or anybody else. But the bottom line is they indoctrinate
you and to hating the right.It doesn't matter if it's Trump, just

(01:55:26):
could be Bush, it could beReagan, it could be whoever's next.
They indoctrinate you from day one inkindergarten to hate the right. I have
no idea why. Now here's oh, by the way, speaking to that,
one of the tools, say itto Shepherd, one of the tools,
one of the tools that I've seenbeing used right now is Quorra.

(01:55:48):
I used to like Quorra, youknow, because it was like, you
know what Quorra is. It's Corais a forum for questions and answers.
I mean it really you just goon there and ask like questions and then
experts who are on their answer andthen answer. I've answered questions in the
past on Quorra a lot, butnow I swear to God, it's like

(01:56:09):
such baiting. I mean it's like, do you think that President Trump is
a sensible moral man? Now?I mean, first of all, those
questions are so baited, I mean, and then you got all of these
detractors. You never ever see anythingon Quora that is critical of Biden ever,

(01:56:31):
and they hate Trump. Not thatI care, but I mean I
thought it was a form for knowledge. You know, you would ask a
lot of cool questions on Cora.Quorra was a really at one time,
it was a really good form forinformation. Now, of course, you
can take the place of Quora withartificial intelligence. I mean you get chat
GPT. Why go on there andlisten to a bunch of blowhards. But

(01:56:55):
in any case, the bottom lineis it's become a political tool, and
I don't know if any anyone elsehas noticed that it has literally become a
political tool, at least with otherforms of social media, you know,
I mean absence of censorship. We'veheard about during sometimes you do see a
variety of opinions. For God's sakes, you know, you see you see

(01:57:16):
all opinions, right, I haven'tseen recently any particular people being censored or
false information, except how would youknow if they're censored? That's true too,
I mean, how would we knowif we're not seeing it. I
think people would complain like they wereduring COVID. I mean, I'm not
hearing a lot of that like wedid during COVID and stuff. Now,

(01:57:39):
as far as just this is veryinteresting. Do you know that financial distress,
through interviews and surveys of bankruptcies,debt, accounts in distress or accounts
payable late, and lowest credit scoresare at an all time high during one

(01:58:00):
of what we call the best economies, at least that's what I heard during
the Lester Hold interview. One ofthe best economies in history, we have
more financial distress. Now, whatwould you say is the number one city
in financial distress? Taking into thecount the matrix of late pays, credit
cards, bankruptcies, debt, andjust all of that. What would you

(01:58:23):
say the number one city in distressis just take a guess. I mean,
it's not what you think. Itis Detroit, Chicago, And number
two is Houston, Number three isNew York. Number four is La.
Think about that. So you dohave, you do have, and then
Dallas Vegas. But Colorado's doing prettydamn good. Denver's doing pretty good.

(01:58:48):
It's way down on the list,out of the top one hundred, it's
way down on the list. I'msurprised Vegas wasn't higher for financial distress.
Absolutely well, it is pretty high. I mean it's it's pretty up there.
As far as Vegas is number sixout of one hundred, that's pretty
damn high. You guys, realizeNevada is going red big time this year.

(01:59:10):
I mean he's so far ahead Trumpthat is in that state, it's
crazy. You know. The mainreason why, No, he's going to
get rid of taxes on tips.That's when it's a complete it's a complete
industry. I mean he should beable to do that fairly quick. I
don't even know if that I don'tknow how that works. Honestly, does
that have to go? It's overthe irs. It seems to me like

(01:59:32):
it would be legislation. Why whyOkay, let's dive into that. Why
would it be legislation, he's overthe irs. Did they actually vote to
tax tips? I don't know.No, No, they didn't vote to
tax tips. They vote to taxincome, and it's considered income. But
here's where I think, Yeah,but they weren't. But they weren't taxed
forever, No, mark they were. Here's what it was though, here's

(01:59:56):
what it was. See now,what they do are they take gross receipts
and they impute twenty percent average tothe workers. Okay, they impute it
so if you don't report at leastthat it's imputed to you. Before it
used to be all voluntary. Sowhen you say they didn't pay tax on
it. Nineteen eighty two they passedit and it was Congress. It was

(02:00:17):
called the Tax Equity and Fiscal ResponsibilityAct, and that's when they started taxing
tips. They prior to that time, they were never taxed. They were
considered they were considered gratuity or gift, which is non taxable. And if
you think about it. Isn't ita gift when you give someone a test
because they treated you right it asa freaking gift. Yes, it is,

(02:00:41):
but after it was considered income.There were two ways it was considered
income. One was through voluntary reportingand then they switched to that mandatory minimum
where they take the gross receipts andimpute it. We have more coming right
up. Go with a sure thingDenver's Best roofer Excel Roofing dot com.

(02:01:03):
You don't pay a cent until you'recontent. Time for an insurance check up
free, no obligation. In comparison, call Compass Insurance paying too much your
coverage at dozens of insurance companies findout Now three oh three seven seven one
help. You'll think you're his onlycustomer when you choose Frank durand the real

(02:01:24):
estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. HiTom Martine, your troubleshooter three oh three
seven one three talks seven one threeeight two five five. You know,

(02:01:45):
you know there's a there's a lotof there's a chasm when when we talk
about the environment and food and everything. Everything has become political nowadays. Let's
face honest to God. I mean, okay, the Church of climate change.
We all know about that, andmy god, you can't listen to
a weather report without being preached to. And as if we can do something

(02:02:05):
about it, and we really can, I mean we really really really really
really really can't. If if theentire entire Asia reduce their emissions to nothing,
it would be it would have atiny, tiny, tiny, tiny,
if any effect. But I don'twant to get into that right now.

(02:02:27):
What I want to say is Ido believe in being good stewards to
the environment, to the air,to the water, and trying to purify
and trying to trying to have thebest kind of life we can. I
mean, who doesn't want that?Who doesn't want to stay healthy? I
always talk about healthy water, eatinghealthy, talk about exercise. All of
that's good stuff, right, andobviously we want good air to breathe,

(02:02:49):
right. I don't know why itstuff like that has to be political.
I think it's because a lot ofpeople have different ways of doing it and
think that if you do it anotherway, you're evil, And it gets
down to you know, we haveextreme crazies on each end of the spectrum.
But one thing that no one seemsto explain, and I kind of

(02:03:09):
think it's probably all the maybe thehormones and antibiotics and GMOs. Who knows.
But since nineteen sixty five, avery interesting phenomenon has been happening with
people who were born after nineteen sixtyfive. Do you know that they're aging

(02:03:31):
faster now? I know people think, well, everyone seems younger nowadays,
but the actual chronological age and biologicalage those born after nineteen sixty five up
till now. The farther you're bornafter sixty five, the more likely that

(02:03:56):
your chronological age and your biological ageare different. You're biologically older. In
other words, let's put it inanother way. If you're born in the
fifties and you were born and you'reten, you're ten. If you're twenty
or twenty, if you're forty orforty. Now, yeah, people died

(02:04:17):
earlier and all that we had.People died from pneumonia, for God's sakes,
There're people were dying from a lotof things. I'm not talking about
things that kill you. I'm talkingabout your aging process. Your aging process
pretty much kept in line with yourchronological age. Now, maybe we didn't
take care of ourselves. So whenwe were forty, a forty year old

(02:04:40):
back then maybe didn't look as goodas a forty year old now, right,
But all things being equal, ifyou look at kids born after sixty
five, are people born after sixtyfive, they're not necessarily kids? And
you look at people as they getolder right now, being born right now

(02:05:01):
or kids being born in the lastten or twenty years are aging faster?
Now why is that? Do youthink that they've actually done studies and not
only are the aging faster, buton set diseases based on this age are
happening. Do you think it's thefood? What do you think the environment?

(02:05:23):
And then if you saw the BlueZone documentary, Now again, this
guy, this guy's a little Imean, he's a little weird. I
mean I like him, But theBlue Zone documentary, I didn't like it
so much that this guy. Ithought this guy was combine a health authority.
But what he did was studied pocketsin the world that have longevity.

(02:05:46):
And what he found were things commonto all those pockets where people live to
be one hundred routinely. Routinely theywere only I think six or seven pockets
in the world. He called themblue zones. There was an explanation for
that, but I forget that explanation. It just happened to be a nickname

(02:06:08):
for something they ate somewhere. Butin any case, it was really amazing
the things they found in common andwhy these people were living routinely to one
hundred. But get this, sincethat documentary was made where people were routinely
living to one hundred, he wentback and the lifespans are now. The

(02:06:32):
more technology and the more advancements incivilization that happened to those areas, the
more the death rate increased. Sothe number one thing I noticed in all
of those blue zone pockets where peoplelived to be one hundred or older.

(02:06:54):
No, no, there are people. They were walking around at one hundred
and five hundred and six, stilldoing their morning aerobics or morning exercises.
The one thing that I noticed isthey're not one of them. Not one
of those areas had any processed foodwhatsoever. Everything came out of the ground
and was made by them from theirbare hands to the table. Not one

(02:07:15):
thing was processed, not one noteven meat. Meat they ate came from
the animal, but there was itwasn't processed. There was no you know,
hanging up and salty, and youknow, the original processing was that
kind of thing, right, andthen you had all kinds of different processing
with grains. They don't do anyof that, none of that. So,

(02:07:38):
and let me give you an exampleof what processing does. When people
say, what's wrong with a loafof bread? What's wrong with a piece
of bread? That piece of bread, if you look at how it's manufactured
today, it represents more grain thanyou would ever eat in a million years
in one sitting. But with aslice of bread, because of how it's

(02:07:58):
condensed and processed, you get toeat that one slice of bread. Now,
originally, food processing was introduced inorder to stave off famine and starvation.
It was a way to efficiently producefood and to preserve it, and
it was great when you were avoidingstarvation. There was nothing wrong with processed
food for its purpose. Its purposewas to get mass food processed and preserved

(02:08:24):
so it didn't go bad overnight,and then you could feed people without them
dying. That was the original purpose. Then it became a convenience, and
then after a convenience, it's becomean addiction. We're literally addicted to the
processing. We're addicted. We don'tknow we are, but we are.
We're addicted to the carbs and allof that. So, to make a

(02:08:45):
long story short, the first thingin common every single person had in every
single blue zone bar none. Therewas zero processed foods, zero processed drinks.
Now they had some alcohol. Butwhat I say process, I'm talking
about today's processing. No, nopasteurizing, no homogenized stuff nothing, No

(02:09:07):
high fractose corns, rup no nothingcondensed. Nothing condensed either. There was
nothing condensed, nothing processed, nothingoverly sweetened, nothing, no carbonations,
nothing. It was all non.That was the first thing. Then there
were a few others. Go witha sure thing Denver's Best roofer Excel Roofing

(02:09:30):
dot com. You don't pay acent until you're content. Time for an
insurance checkup free, no obligation comparisoncall Compass Insurance paying too much your coverage
at dozens of insurance companies find outnow three all 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 A

(02:09:54):
three nine, two zero, sixteentwenty two. Hi Tom Martinez here three

(02:10:20):
all three seven one three talks sevento one three eight two five five.
All right, So as far asroofing goes, how long does someone have
to put in a claim? Theyhave a year, don't they? They
have a year? So I thinkyou have a year to put in a
claim. I'm reading a text bythe way. Yeah, the insurance varies

(02:10:43):
somewhat, but it's about a yeartypically. Yeah, So if you don't
put in a claim, you couldend up paying for yourself. A lot
of people do wait, don't wait. You don't have to have the repair
done, but you have to havethe claim done in a year. And
also another thing that happens you onlyif you wait till. If you wait

(02:11:03):
eight months or nine months, thenyou have another problem because you only have
a year to sue your insurance company. When it comes to bad faith,
you have to do it. Ibelieve it's one year from the date of
loss. So you have to reallybe careful not to sit on your rights

(02:11:26):
when it comes to insurance. So, now, how how long do they
like? How long do people usuallywait when you guys go there? As
far as actual repairs, How longhave they waited? You know, after
a hailstom we usually get people callingit immediately and then we have it trickle
off. So I think it's reallyjust people procrastinate working on the roof.

(02:11:46):
It's not a sexy, interesting thingto do, right, But it's not
like something neighbors walk by and say, wow, you redid your roof.
Yeah, it's very necessary. Soif you if you wait too long,
then you your insurance, right.But if you do it and then wait,
how long have people waited? Likeyou after the claims file? Yeah,
have you done? Have you showedup? I mean, how long

(02:12:07):
have some people waited? I'm curious. You know, typically like that,
that might be a couple of monthsafter the claim, but we rarely see
people hold out to them. Ohreally okay, I mean materials go up,
and they could go up. Iwas about to say go down.
They never go down. There's alwaysthese price increases. Our suppliers, Pacific
ABC, they're always putting these priceincreases in. But here's the bad thing.

(02:12:31):
Okay, the bad thing is doingit too quickly, too and they
sign these people at the door manand I know you did a commercial on
it and I talk about it allthe time. I don't know why people
fall for this because it sounds logical. Somebody knocks at your door, right
and they say, mister martinro wewant to check your roof courtesy, free

(02:12:52):
of charge. We just want tosee what kind of damage you have,
if any, If you may wantto let your insurance know, of course,
uh, you know, but butit's good to know first. And
all you have to do is giveus authorization to get on your roof.
And they want you to sign onthe clipboard, and you don't need you
do not need authorism to give authorization. If someone tells you that they're lying

(02:13:16):
to you, there is no suchthing or wave response, you know,
wave responsibility. So if we getinjured, you're not responsible. Never you
don't have to sign for anything,okay at all? Quick question about that.
If you are a renter and somebodycomes up and says, hey,
I need to you know, youto sign this so I can go on
and look at your roof, now, who is well, because that's a

(02:13:39):
scampions a tenant could sign. Atenant could sign that, and there's no
way a roofer can hold the landlordor the owner to that contract. That
would be just stupidity on the ona on a roofer's part. That's why.
Usually what the roofer says, areyou the homeowner? Usually they say
are you the homeowner? How longhave you lived here? Oh, you
may have some arm damage, youknow, And they say things like this,

(02:14:01):
we're replacing the roofs down the streethere or next door, or we
or we've been out doing courtesy surveysof roof damage for people, so to
let them know if they should putin a claim or not. That's what
they say, so it sounds likea public service. We just need to
get a signature so you don't sowe don't hold you responsible for injury,

(02:14:26):
get any scammed on any of thosejust say hey, I'm a renter.
Yeah, Or you say, look, you can check my roof if you
want, but I'm not signing anything. That's it right there. I mean,
these contracts, I've never seen themas bad as they are right now.
If you see these things, theyhave twenty five percent cancelation fees.
That's up five percent than what we'veseen before. They also lock you in

(02:14:48):
just to like this whole list ofthings. They're not liable for any damage.
They caused your home. I meanit's a big release or contract,
and some of them they have upto a year to start. I mean
they take your mind. Oh,and then they want your first insurance check.
Yeah, it's horrible. I mean, do not pay a cent nobody
up front. And if you dothat, you self bond yourself. If
the project goes horribly wrong, youstill have the money to pay somebody else

(02:15:11):
to do it. If you gowith one of these companies, you have
no backing. None. And here'sthe deal. I'm not saying that everybody
that comes to your door is arip What I'm saying is, of all
the roofing ripoffs I've ever had,about ninety five percent of them start with
someone knocking at your door. Thatdoesn't mean everyone at your door, but

(02:15:35):
that's the biggest universe of ripoffs,is when someone knocks on your door.
You can still call a company andget ripped off too. I'm not saying
you can't. But the number one, the number one sign they want you
to sign something upfront to look atyour roof. Then they won't present you

(02:15:58):
with a complete contract. And that'snumber two and number three, they want
money upfront, go with a surething Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance checkup
free, no obligation. In comparison, call Compass Insurance paying too much your

(02:16:20):
coverage at dozens of insurance companies findout now three all 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 all
three nine two zero sixteen twenty two. Hey, I'm Tom Martino, your
troubleshooter three oh three seven one threetalk seven one three eight two five five.

(02:16:45):
Have you ever purchased a brand everbased on a company's political stance ever,
or environmental stance, or or theircommitment to diversity, equity and inclusion.

(02:17:07):
There's an answer here, I've avoidedit. Now, Okay, that's
what they're saying. Most consumers actuallyuse that to avoid companies, not to
choose, but to avoid them.However, in an interview of Democrats and

(02:17:28):
Republicans, what percentage of Democrats doyou say responded that they do purchase based
on these factors, especially diversity,equity and inclusion. Would you say a
majority of them by because of itor don't care. I'm going to tell

(02:17:50):
you right now, sixty two percentof them say they don't care. Sixty
no, Sixty two percent of Democratssay they don't care. Thirty eight percent
say they do care. Now,let's go to Republicans. What percentage don't
care? Eighty three seventy nine percentdon't care. Twenty one percent of even

(02:18:11):
Republicans care. Now here's what's funny. The independent shopper mimics closely the Republicans.
Now, when it comes to blacks, black consumers, fifty seven percent

(02:18:31):
say they do not purchase based onequity and inclusion and diversity fifty seven percent.
Forty three percent say they do buybecause of that. But I find
that very interesting. Now, inthe entire country, taken all adults together,
all adults together, the vast majorityof US American adults consumers do not

(02:18:58):
care anything about a company's politics theirdiversity and inclusion. Seventy two percent say
they do not base their purchases onthat at all. Now, some of
those could mean they don't purchase atall, but they don't base their purchases.
Twenty eight percent of Americans say theydo. Yet more and more companies

(02:19:20):
are coming out with all of thesepolicies and feel they have an obligation to
do so. Isn't that weird?Anyway, we're out of time. Don't
forget excel roofing was our guest today, where you don't pay a cent until
you're content excelroofing dot com three ohthree seven six one sixty four hundred three
oh three seven six one sixty fourhundred And don't forget to call three oh

(02:19:41):
three Martino twenty four to seven forhelp. Three oh three six two seven
eight four sixty six