The Troubleshooter 7-25-24

Episode Transcript

(00:00):
Yea ripped up news, need advicewho you don't have to come running just
as fast as we can. ShowShooter's gonna help come Man six is the

(00:23):
Troubleshooter Show. No Tom Martino,Hi, Tom Martino here, welcome to
the show. Three oh three sevenone three talk seven one three A two
five five. That's the number inthe studio. We also have our our
number for the Troubleshooter Network three ohthree Martino three oh three six two seven

(00:46):
eight four six six. That's threeoh three Martino that you can call her
text at any time and we'll getyou on the show. You don't have
even have to wait. You know, we have a lot to talk about
today. One of the things Ilove talking about is with the heat the

(01:07):
way it is right now. Don'tget ripped trust me when need comes.
So toa ripoffs, but I wantyou to be safe. If you need
your air traditioning checked eight eight eightheating dot com and they are especially great
if you're putting in a solar system. They have high efficiency electric units and
hybrid furnaces that do both electric andgas. Three three seven seven zero two

(01:32):
seven seven six. Hey, JohnFuller's with us my co host today,
feel free to chime in, John. You know, really, if you
think about it, there's a trendthat makes sense. Trade schools are up,

(01:52):
colleges are down. Colleges have beenin a steady decline over ten years.
Still competitive, but a steady decline. And there are many many reasons
given. Believe it or not,not all young people feel it's worth it.

(02:15):
But another thing young People survey said, as who Richard Dawson said,
survey says on family feod you rememberthat time anyway. So one of the
things that one of the things peoplecited, we have young people who don't
who feel like they can't find aschool aligned with their goals and their philosophies.

(02:43):
Now I'm not sure you need aschool aligned with your goals and philosophies,
but there are some students saying thatthey don't want to be indoctrinated by
the way one way or the other. They want education. They feel education
should be facts and figures and historyand all of that. I don't know

(03:07):
if that's possible, because every singleperson who will teach will give their bend
to it. Everyone. I'm notsure it's right or wrong. I just
know it's going to happen no matterwhat. When you give history, you're
gonna give opinions, You're gonna giveyour lecture. I don't know if education
can be totally objective. I don'tknow if it can be, so then

(03:29):
we're faced with the idea. Ifit can't be objective, then what is
it. It's skews toward the persondoing the teaching, And right now we
have basically mostly liberal people teaching,and they're teaching, and I'm not saying
they're trying. I don't like theword in doctrinate. I don't really see.

(03:50):
I don't believe there's some big plotto indoctrinate are young. I think
it's just the way they feel.I truly have said this before over and
over. I don't think people aretrying to hurt anyone. I don't think
they are. I disagree with theTrump camp when they say the liberals are

(04:11):
trying to destroy America, and Idisagree with the liberal camp when they say
Trump is the biggest threat to democracyever. I mean, I think I
just hate when people do that.Now, No, we can disagree vehemently,
and I do with a lot ofthings, but I don't think anyone's
trying to destroy us. I thinkthey, in their minds are trying to
do the best. So a lotof these kids saying, well, I

(04:34):
know they're you know, I justdon't want to hear it. I don't
want to be part of it.A lot of Jewish students have been really
hurt lately because of all the demonstrationsand violence toward them, even though they
have nothing directly to do with Israel'sreaction to Hamas, they're feeling a backlash.

(04:56):
Yesterday when Natyaho's gave us each Somepeople would call it when he when
he preached, but I'm telling youhe was really passionate. But there were
a lot of people protesting. Mustcall it like it is. They were,
They were liberals protesting. Now here'shere's the bottom line. They're saying,

(05:16):
Okay, this is going far beyondself defense. Again, no matter
where you lie, I'm just tryingto make the point here that people are
getting sick and tired. There areeven surveys that show people are moving to
different parts of the country to benear people who are physically physical philosophy,

(05:36):
physic, philosophically, Thank you philosophically, my God, thank you for a
moment there I felt like Mark haha, he almost founds like a lawyer.
Yeah. So no, no,but there are people moving to align
themselves politically and philosophically. I mean, do you think there'll ever be a
time in this country where people moveinto air is based on philosophy or based

(06:02):
on I don't know, what areyou politics? Do you think that will
ever happen? Seriously? I knowpeople think it's already happening. I mean
they're part of Yeah, of course, there are parts of the country where
you just not want to go becauseit's known as a bastion of some some
one one one way or the other. Yeah, definitely. I mean think

(06:26):
about it. For a million years, Boulder has been viewed as, you
know, the People's Republic of Boulder. I mean, as long as I've
been in the state thirty years plus, it's been referred to as, you
know, something along those lines.So you should be fairly well, you
know, warned that if you moveto Boulder, you're going to be surrounded
by to a large degree that philosophicalAnd what about Colorado Springs that has the

(06:49):
opposite, Yeah, exactly the opposite. Okay, and then we have Florida
and Texas, but off to California. There are parameters that you have.
Not everybody has the wherewithal to justget up and move. So I think
you're talking about a lot of people. Yeah, you're right, they don't
have the wherewithal to get up andmove. But the migration over time and

(07:13):
where kids move and kids live andstuff, Yeah, it's it's happening.
By the way, I want tomention that Kelsey's got a landscape or problem.
We're going to get to her.And then I just wanted to say
that I think that I'm going tomake some statements here that I looked up
some crime statistics and most crime towardviolence and people are happening in liberal cities

(07:43):
and states, but consumer crime andwhite collar crime are in conservative areas.
And I've said this before. Imean, you know, I've been one
way or the other, but Iwill say that when it comes to consumer
issues, and I'll just say itbecause I know I have mostly a conservative
audience. I mean, talk radioin general's mostly conservative, and I am

(08:05):
two in ninety percent of the areasof life. But I do believe,
and John, I know this isas an attorney, it cuts both ways
with you, guys, because Iknow a lot of lawmakers around the country
tend to with personal injury attorneys tryto clip your wings. I mean,
I think it has been correct meif I'm wrong, do mainly conservative governments

(08:31):
feel leave business alone, leave insurancecompanies alone, and there they try to
cap your awards, whereas more liberalgovernments or entities try to give the consumer
more of the edge. As anattorney, I'm not asking you politically.
Is that right or wrong? AmI am? I am I lying dying
here. I think if you're paintingin broad strokes, that's pretty true.

(08:56):
So it's morely, but it's butit's to be expected though, talk because
you know, the majority of businessowners and people that are stakeholders, if
you will, you know, byand large that group tends to vote more
conservatively and stuff, and and they'rethe people that are the most impacted by,

(09:16):
you know, by these claims andstuff. I mean, listen,
I am as I that's this iswhat I do. Okay. I am
very, very very in tune tothe plaintiff's personal injury world. And that
includes everything from you know, medicalmalpractice on down. And I've heard every
argument in the world and I've seenthe effects of tort reform, and I've

(09:39):
seen the you know, both thepros and the cons. I own a
business, I am very sensitive toinsurance rates going up, and I don't
want, you know, fictitious claims. And as an attorney, I also
don't want fictitious claims. I wantmy client's case to you know, to
stand on its own. And Idon't take claims that are shady and and
I've certainly had plenty of opportunities needsto do that. But by and large,

(10:01):
your business owner class tends to bemore conservative, and you know that's
that's the group that wants tort reformand controls and caps and damage you know,
limitations and all that kind of stuff, right right, I would say
that in general, and again,people, if you're listening, I'm not
trying to convince you to vote orto be one way or another. I'm

(10:24):
talking about the reality of life andwhat happens in laws and why people like
certain areas of the country and othersdon't. But in law, basically,
I've always found and sometimes it goestoo far. But like for example,
in Colorado, we have a veryliberal state right now, used to be
conservative then it was a little mix. Now it's very very liberal, and

(10:48):
we have very strong renters' rights nowwe never used to. So there's good
about that. There's a lot ofgood about that. I mean, people
need rights, but did they gotoo far? If you're a landlord,
you'll say yeah. So I've cometo a conclusion and that is what we
need, is no lopsided one wayor the other. I think the balance

(11:11):
of power is what brings us wisdom. I do, but again that's my
thought on that, and I amonly looking at it from a consumer standpoint.
Now, Kelsey, you have aproblem with a landscaper. By the
way, landscaping starts at about May, and we get problems through October and

(11:33):
November. What's the issue in general? And then we'll come back and take
it in detail. What's the issue, Kelsey? So, unfortunately, my
neighbor, three of us in arow here, have hired one particular person
to complete our backyards. And it'sbeen almost two months and unfortunately they are

(11:54):
not complete. Not okay, notcomplete. But hold on, did they
at least start the job? They? Okay, hold on, we'll come
right back to you. I'm TomMartino, three oh three seven one three
talk seven one three eight two fivefive. Waterpros dot net is a company
that I a person. Let's putit that way. Paul the waterman at

(12:18):
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water, he really is. Whyis he because he knows that you can
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you get pfas in your water andyou do in plastics and nanoplastics, it's
an unhealthy situation. So he hasgreat systems at low prices. Try him

(12:41):
out, you'll love them. Freeprices on the phone. He doesn't care.
He'll give you everything you need toknow. Three oh three eight six
two five five five four waterpros dotnet, prink drand the real Estateman dot
com. Frank will give you ananalysis of your property right now, telling
you what it will sell for,then what you'll net and what you can
buy. It's all free. Itis a complimentary service. Frank wants you

(13:03):
to be a wise consumer, andhe knows before you list, before you
do anything, you're going to wantto know about what you'll make. Frank
durand the Real Estate Man dot comthree oh three nine two zero sixteen twenty
two. And thinking of real estate, if you're facing any kind of a
transaction with real estate and you wantsomeone looking over your documents, Oh Brian

(13:26):
Legal Services. He's our real estateexpert. We've had Brad on the air
for a for like a couple ofyears now, and he's been so good
at answering questions, whether it bewith the transaction itself, with leases,
with commercial deals, with anything thatyou have with real estate, anything,
Oh Brian Legal Services. Call him. He'll consult you on the phone and

(13:48):
then tell you what it will costor give you an estimate. Ohlslaw dot
com. It's Wyse Olslaw dot com. Seven to zero three sevens zero seventy
three eighty eight. One Clear ChoiceGarage Doors. What do I mean by
that? Just what it says,it's your one clear choice. Why?

(14:11):
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They have twenty four to seven servicetoo for emergencies if you can't catch
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(14:33):
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new openers. That's one clear choice. Doors dot Com. All right,
we just got up on YouTube andwe stream every day on YouTube and Facebook.
So welcome my Facebook flunkies. Sorry, Byra, we had some technical

(14:56):
difficulties which means I had to rebootthis system. Okay, yeah, so
we don't have a little bit.So are we up? Now? We
are up? We should be up. We're up. Okay, we're up.
Let me turn that down. Youcan tell when I tune in.
Okay, there we go. Soanyway, welcome YouTube Moron's Facebook flunkies.

(15:18):
We're here and we are ready togo for you. Now, as far
as this landscaping thing, let's continue. Kelsey, So when did you guys?
What's that? Guys? Did youdrop a line? Yeah, she'll
be right back. Okay, good, she'll be right back, John,
John Fuller, I got a questionfor you, Yes, sir, someone

(15:41):
wants to know with malpractice Tom.This is the text, So I'm just
reading. Tom always discourages. Idon't always discourage, but the text says
I always discourage it, saying it'stoo expensive and you hardly ever, Win,
I don't want to put a negativebend on it, But but what's
the truth about malpractice? John?It really really is difficult, isn't it.

(16:06):
It is? I mean, thestandard is very high, and we
have a mechanism in Colorado that requiresthat you have what's called a standard of
care expert before you file a lawsuit. And that means another doctor who has
the same or similar credentials as theone that you're complaining of that will go

(16:27):
on record up front and say theother doctor screwed up basically, And if
you don't have that, you can'tfile a lawsuit, or if you do
file a lawsuit instead is kind ofget dismissed and you'll owe a bunch of
money. So the risk is prettyhigh. Now. Interestingly enough, we
have one major insurance carrier, That'swhat I was going to say, that's

(16:48):
the dirty secret. Yeah, thatensures most of the doctors, if not
almost all of the does. Soif you're insured by them and you're asked
to be an expert against another doctorensured by them, could you be blackballed?
Well, they'll certainly send one oftheir attorneys to sit in the meeting
with you. That you know,listen, the unmistakable message is that they

(17:12):
don't want any of their insured attorneysto be cooperating with plaintiffs that are bringing
malpractice cases. Okay, that's probablynot a written policy anywhere, but it's
certainly in practice. And so thereality is that you have to go out
of state to find these experts thatare not insured by this company, and

(17:33):
that does get very expensive, sometimes, you know, five to seven thousand
dollars just to get a doctor toreview it. So it's not that you're
just trying to pooh pooh the medicalmalpractice cases. They are difficult, they
do cost an awful lot of money. They are for all the marvels,
and there's a very good chance thatthey're going to make you go all the
way to trial just because that's away for them to win by attrition,

(17:57):
which means you, you know,you better be very well healed before you
can even bring that case, andsecond, all the way to the end.
So when you have the average littlerun of the mail bad outcome,
you know, a bad outcome doesn'tequal malpractice. There has to have been
a mistake that you know that leadsto the damages. And for the run

(18:17):
of the mill case is just notworth it. You know, Kelsey,
we got you back, So youand your neighbors hired who? We hired
John Marino with get her done landscaping? Get her done landscaping? And tell
me when did you hire him?We hired him right at the end of

(18:41):
May, maybe first day of June. And what's the problem that he started
all of the jobs some of thejobs? Are you speaking for just yourself
or the neighborhood? Tell me,what's how many people do you know hired
him? So I know of myselfand three others, but hired him?
And what happened? He has startedthe jobs. He has started them,

(19:06):
he has not completed them. Nowwhat percentage did he do of the jobs?
Like the most in the least,so I would say they're all probably
about seventy five percent complete. Okay, okay, Well it doesn't sound like
a rip off. It sounds likesomeone who's overwhelmed or maybe he ran someone.

(19:29):
Maybe he ran out of money too. He definitely runs out of money,
I can tell that. My biggestproblem with him is that he tells
a lot of He's a he's astoryteller, that's for sure. He has
a different excuse and a different lieevery day, and he also posts a
lot of tiktoks where he is ableto spend his money and time at the

(19:52):
bar, but cannot seem to finishour jobs. Kelsey, Kelsey, he
got seventy five percent of the workdone, So I got two questions.
First, the work that was done? Good? Better? Best? Good?
Okay? And does it does ithave to be redone? Any of

(20:17):
it? Yes? Part of itwill need to be readone now? Uh?
And did you pay more than seventyfive percent? Yeah? Why my
bad? I guess did all ofthe neighbors pay ahead of time too?
Yes? Are you paid in full? Kelsey? Yes? Gosh, dang

(20:41):
it? How much you there?So in total we've paid. It just
depends on the house. But Iwould say, yours, what did you
pay for on the job? Aboutthirteen thou thirteen? Okay? You paid

(21:02):
thirteen thousand for one hundred percent ofthe job. What does she say about
it? Every day? He sayshe's on his way to finish. I
mean, how did you find getor done? Let me guess what Facebook,
Marketplace or next door? He wasdoor knocking in the neighborhood. Yeah,

(21:25):
that's by the way again, nota sign of a ripoff. But
let's put it this way, ifwe took a universe of ripoffs, we
would have ninety eight percent of allripoffs start at the door. It doesn't
mean that everyone who comes to yourdoor's ripoff, but if you took the
universe of people ripped off, ninetyeight percent of them would say it started

(21:48):
with a knock at the door whenit comes to home services. So it's
a bad place to start. Butin any case, you got you're in
deep right now, and we're goingto give him a call. Now where
is he out of? What?What? What part of town? Are
we talking here? So I'm inSeverance. So he runs around here and

(22:11):
wins their it seems like prim okay, So he's up north yep okay.
And then I want to give hima call too, Like I want who
should we put on this Kachina.I'll give him a call right now,
Doc? Oh yeah, Doc's inthe studio. Okay, Doc, let's
uh, let's do that. Let'sgive him a call and see if we
can at least hear what he hasto say, get a good impression for

(22:33):
this, and we'll see. I'mTom Martino three oh, three seven to
one, three eight two five five. You know, I just posted a
new video today on YouTube and Facebookand Instagram and all that. It's about.
We're not Facebook, but YouTube andall the rest. So here here
it is. It's about the wholehouse fan and an attic fan and how

(22:55):
ventilation is very important to cool yourhome and how to save on air conditioning.
And I recommended QC Colorado. Idid that on my own. I
am a customer. I have themin my home and I'll tell you what.
It's unbelievable what it does. Thisfan, a whole house fan,

(23:15):
destratifies your air, evens out yourtemperatures. Therefore your air conditioner works less.
That's the short story. In reality, there's so many different ways to
use it. Some people turn iton in the morning and at night and
they turn the air off completely.Some people put it on all night,
or some people leave their house cookingall day. They don't want to waste

(23:37):
air conditioning and in order to coolit down it when they get home,
they turn on that fan and boom. Within ten minutes, the entire house
is cooled down and evened out,and then the air conditioner works less.
Qccolorado dot com. Check them out. You will love this company. You
will love the way they do business, and you will love how fast and
easy it is for an installation andhow much money you'll save. Three three

(24:00):
eight hundred thirty four nineteen. Threeoh three eight hundred thirty four nineteen Frank
Duran, The real estate Man dotcom. Now you heard me talk about
his free analysis of your property givingyou an idea of what to list it
for, what it will sell forbased on his vast experience. I'm going
to tell you some other stuff.Frank also doesn't require you to stay with

(24:26):
him on a long term contract.Now, let me explain the comfort in
that he knows he's going to pleaseyou based on his experience, and he
knows the business so well. He'snot going to penalize you or force you
to stay with him if you're nothappy, he says, give him a
day and you'll see what he cando, including outbound marketing to hundreds of

(24:48):
thousands of prospective buyers. Three ohthree nine two zeros sixteen twenty two Frank
durand The real estate Man dot com. Tom Martino here three all three seven
one three talk three all three sevenone three eight two five five. Welcome
to the show. We have JohnFuller with us UH and we are here

(25:14):
solving problems. If you have anyquestions complaints. I do have a question
here. By the way, Igave out my private number, my private
Google number. It does come directlyto me twenty four to seven, so
you can text me at seven fourseven nine nine nine fifty two eighty seven

(25:36):
four seven nine nine nine fifty twoeighty. Now we also have the station's
text which is five seven seven threenine. So anyway, I do have
a question here, and let mego to it. Okay. So somebody
wants to know about QC kinetics.That's QC and it's K I N E

(25:59):
t IX. They want to knowwhat it is. Now I want to
explain something to you. This isreally important to me. Regenerative medicine is
a word given to multiple therapies,multiple ones. Originally, regenerative medicine was

(26:22):
mainly something called prolo therapy that justmeans self healing and prolo therapy. Originally
and it still is there is itwas injecting into painful areas an irritant like
cayenne pepper or something like that.Now you might ask, why the hell

(26:47):
would they do that to an injuryor into a painful area. Well,
they used to be before that calledtrigger point injections or dry needling or any
kinds of stuff like that, wheretrigger point injections later became pain medicine injected
into that area or steroids. Butreally, originally, somehow researchers or doctors

(27:14):
knew back in the day that ifyou irritated an area, it would self
heal. Now, the injury itselfmight have been so severe you didn't get
that healing started, or you mayhave interrupted the healing by being immobile or
by icing or something like that.That's right, Icing actually interrupts healing.

(27:38):
Now, it does hold down inflammationand give relief, but it slows down
healing technically. When you get injured, the idea of swelling is to immobilize
the joint, and the idea ofthe white blood cells is to rush into

(27:59):
the area and to clean out thearea, and then red blood cells to
increase circulation and then blah blah blah, so you heal again. Prolo therapy
would put an irritant into the join, which would cause your body to go
after the irritant and form a bitof scar tissue and healing tissue. That's

(28:22):
why scar tissue is more hearty thansurrounding tissue, because it's meant to bind
and to secure. So that's whatprolo therapy was. Then later on people
said, well, let's help prolotherapy not just do let's not just do
this injection of cayenne or capsation.Why don't we put some blood in it.

(28:48):
So they did platelets, blood platelets, and that's platelet rich plasma PRP,
and then that was used as aprolo therapy. That's a regenerative medicine.
Then stem cells came along and peoplesaid, let's do stem cells.

(29:11):
Here's the problem in stem cell therapy. You have two kinds. Two kinds.
One your donor stem cells are takenout and reinjected. The second kind
is where they take out stem cellsfrom others and then they put them into
a lab and ship them around thecountry. Now, I want to say

(29:33):
something because this is really important andthis cost me a lot of money back
in the day when I rejected peoplewho did the shipping of the cells because
I wouldn't represent them. Now,as with everything in life, things change.
It is still best still very bestto have your own stem cells harvested

(30:00):
and reused. That's the best therapy. You get more living stem cells if
you do that. Platelet rich plazasa good therapy. The combination is even
better. But here is what happens, Like a QC kinetics case, whatever
it's called. Yeah, yeah,the kinetics place, there's nothing wrong with

(30:22):
them. These places use mostly stemcells that are shipped in. You don't
get many living stem cells when thathappens, but you still get you still
get regenerative powers. So to sayit's useless would not be accurate. But

(30:48):
to say it's as good as otherstem cell therapy would not be accurate.
So it does have healing qualities.That's regenerative medicine and QC kinetics. That's
what they do. As far asI know, they don't have They don't
have stem cells they extract from you. But maybe they do, but I

(31:11):
don't think they do. Somebody elsewants to know. So that's the long
short of it of regenerative therapies.Now, technically steroids are not regenerative.
In fact, they're just the opposite. They do help, but they're degenerative
over time. And pain medicines arenot regenerative. They're masking remedies and therapies.

(31:37):
Nothing wrong with it, but that'swhat they are. So you are
going to hear regenerative therapy used alot like Denver Region for example, Denver
Region dot com I use. Theydo stem cell therapy. They extract them
from you and reinject them. Butthey also do ones that are shipped in

(31:59):
for certain things and they mix themwith your own so they do a combination
sometimes and then they do some PRPas well. And they're right here local
denverregen dot com. Okay, soin any case, that is the story
about Regenda tre medice. Now Ihave another question here. This is for
some reason people detect it. Wouldit be a good idea to refinance your

(32:20):
house loan to become debt free?Okay, this is a this is all
in the math. If you canget a mortgage lower than what you're paying
in credit cards, even though youhave to turn in a mortgage that is
low. Interesting for example, ifyou have a low rate like I think
this person is three point five percent. If you what you have to do

(32:45):
is say what am I paying rightnow? So if you have like I'm
gonna use easy numbers. One hundredgrand you're paying at three point five percent,
and you're paying another twenty five atnineteen percent. You have to do
a mathematical formula to find out yourblended rate. Okay, so let's say
your blended rate is twelve percent.Well, then yes, you refi because

(33:09):
even if your mortgage goes to seven, your mortgage is still going to be
seven. And then that twenty percentcomes down to seven three point five goes
up to seven, but when youdo your blended rate, it'll still be
lower than the blended rate you hadbeforehand. So it's all in the math.

(33:30):
And if you don't know how todo a formula for blended rates,
just ask someone or go online,use AI or something like that. But
that's the magic of math. Thereis no opinion here. You should refi
if your blended rate per month willbe less. But there's one other thing

(33:50):
you should keep in mind. I'llgo over right after this. American Restoration
is a company you hear me talkabout. It's actually called American Restoration twenty
four to seven because they are availabletwenty four to seven, as any restoration
company should be. But the termrestoration is used in a lot of situations.
Sometimes they're not really restoration companies thatall their carpet cleaners or their plumbers,

(34:14):
or they're what contractors. Here's thedeal. American Restoration has the EPA
certifications, the knowledge that know how, the insurances and the bonding and everything
you need to get the job doneright. So please don't just call anyone
ask about their qualifications. Do theyknow about unattended death, black mold,
asbestos? Do they know about dangeroussubstances? Do they know how to abate

(34:37):
things the proper way? And havethey worked with insurance companies? That's what
you want to know, And thenyou're going to call AMREST two four to
seven dot com or American Restoration eightthree three seven am REST that stands for
American Restoration eight three three seven amREST. Hey, if you're looking for
solar, and you should be,I'm not kidding. If you get a

(35:01):
good company, Solar is Golden andRed Rocks roof and Solar is a great
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(36:08):
facility, Exit two forty five onFrontage Road, right there, Lazy Days
dot Com. Hey Tom Martino here. Now, one thing I wanted to
say. I did want to talkabout a blended rate consolidation caution, but
I need to take Dave and thenwe'll get started with him, and then

(36:30):
I'll talk about it's good to consolidateif you can get a lower blended rate.
But there are some cautions when youdo equity loans or refinancing to pay
off debt that I'll go over,I promise you. But Dave, go
ahead, and let's talk about thiscredit card fraud. What's going on?
Hey? Tom, good morning.Hey, I've got I'm looking for some

(36:52):
guidance on this. I head beckin May somebody. It's about a credit
card in my name, has myaddress on it. How do you know?
I got a bill? Okay,I got a bill from you know,
like a visa All right? Card? Now, now, so you
get the bill at your place,and did you look at the statement?

(37:15):
Yes? Where were the charges madeanywhere? Anywhere place you're familiar with.
It's one charge and it's uh,somebody transferred from another credit card a card
yeah, so and you're positive it'snot you, so obviously. So how

(37:36):
much is it about fifteen hundred bucks? Okay? Did you contact the company?
I've contacted the company? You know? Is it? Is it a
legit credit card? What credit cardis it? Yes? Yes, it
is. It's a Breeze Easy Visasignature card. Okay, I look it
up online and you know everything elsetells me it is okay, And so

(38:01):
what do they say, Well,they say, what they want is my
social security last to just my socialsecurity number and telephone number. Of course,
I tell them I'm not willing togive it to them. Why,
Well, I just figure that ifthey've got my name and everything else,

(38:22):
they've got plenty of information. Yeah, but they want to see how much.
Okay, I understand, I understand. Listen, here's what you do
then, okay, I'm not goingto tell you what to do as far
as that goes. I would givethem the last four digits and I would
give them the information. But I'mgoing to give you some very important information
on how to handle this, okay, and it's critical that you follow my

(38:45):
steps. We'll do that right afterthis. I don't want to rush you.
And a lot of people just facethis. They do face this,
and they want to know what thehell do I do because they're going to
come after you, okay, especiallyif you don't cooperate, because if you
don't cooperate, they're going to assumeyou're guilty. We'll address this right after
that. Plus cautions on consolidation rippedup needed so you don't have come running.

(39:19):
Just as fast as we can.Shooter's gonna help come. Man.
This is the Troubleshooter Show. NoTom Martino, Hey, Tom Martino here,
Welcome to the show. Three Othree seven one three talk seven one
three eight two five five. Okay, so listen, we have a number
of discussions going on. I wantto get right to him. I have

(39:42):
John Fuller with me to my personalinjury expert, my accident lawyer dot co.
And he's talking about more than justa personal injury. But if you
have any questions you can call him. I want to talk about this blended
rat thing. Okay. Now,now again, it's a mathematical formula.
So you have a certain percent you'relike a certain amount of money you're paying
at, let's say three percent onyour house, and then you have credit

(40:02):
card bills you're paying at nineteen percentor twenty percent. And then you have
what's called a blended rate. Thatmeans you take the percentage you're paying at
certain percentage and the other percentage're payingat another percentage, and you get a
blended rate. A blended rate meansyour real rate you're paying every month for
all your bills not just one ofthem. So if your blended rate turns

(40:23):
out to be lower than your blendedrate before a home equity loan, then
that by all means refinance. Soif you have a three point five percent
loan, okay, and it's onehundred grand, let's say you're home I'm
using fake numbers. But let's sayyour home loans one hundred grand and you're

(40:43):
paying three point five percent and that'sall you have, then you're blended rate
at three point five percent. Rightnow, Let's say you have another one
hundred grand in credit card bills.So let's say you're paying five percent on
your home at one hundred grand,and you're paying ten percent or you're paying
fifteen percent on the other one hundredgrand. Then you can see where that

(41:06):
average would be easy to figure out. Where it gets more difficult to figure
out a blended rate is where youhave different bills at different interest rates.
But you can figure out a blendedrate. When you do, you then
compare it, and if you canrefy your home and get a lower blended
rate, you should do it.But there is some caution here. Here's

(41:29):
the caution when you consolidate your creditcards. You're putting a lot of short
term assets into a long term loan. That's not good financially because a lot
of the things you're throwing in theremight be vacations or clothes or an appliance

(41:52):
that aren't meant to be financed forthirty years or twenty years. So it's
a bad financial move, although it'ssaving you monthly. So what should you
do about that? If you geta better blended rate, it's your turn.
It's your chance. I should sayto pay more than on the part

(42:15):
of the principle that represents short termassets. So instead of paying mostly interest,
because you've lowered your blended rate,you can now take extra money and
put it toward the principle for thatpart of the principle that you need to

(42:36):
pay off. The other thing youcan do is this, You can also
take the blended rate you have andkeep it the way it is, but
you can't keep adding to it.A lot of times, when people pay
off their credit cards with an equityloan, they have empty credit cards and

(42:57):
psychologically feel, oh, I canuse that card, and so they start
charging them up again, and theyend up now with twice as much debt
they have the debt they refit intotheir home that they had forgotten about,
and now they have new debt pilingup on their cards. So those are
the two cautions. Pay off theprincipal quicker, the part that represents these

(43:19):
these assets that won't last, orthese or the makeup or the vacations or
whatever. And then also don't keeploading up your cards. Now with the
credit card fraud, Dave says,what do I do? They want the
last four digits of my social andthey want some other information. Well,

(43:40):
Dave, I personally don't have aproblem with that, but I'm not going
to tell people to do it.So you really only have two choices,
okay, really only two. Oneyou cooperate with them and hope that they
realize it's not you. But somepeople feel, oh, they're just going
to use that information to shore upthere information to see to make it look

(44:01):
like me. But John Fuller,attorney at Law, I want to ask
you, somebody, what do youthink the chances are of a legit credit
card company saying you call and say, somebody took out this card my name,
it's not me, and they askyou for information. What do you
think the chances are and I reallywant your honest opinion of them taking that
information and now putting it into thatapplication to make it look more like you

(44:28):
fairly slim Tom. You know,the credit card companies can actually go out
and do searches, and I onlyknow this from personal experience, where you
know, if they're looking for TomMartino, they can put you know,
or anybody really close to Tom,so you may get a same birthdate,
or another Martino that lives, youknow, one door down. And what

(44:50):
they're trying to do is find somebodythat's that's kind of impersonating somebody else or
you know, that kind of stuff. And so they can already do that
without the social so they likely foundto you that way, and so all
they're really probably trying to do isto verify that you are who you say
you are. And that may beone step closer to getting it worked out,
but I doubt that that's going tomake them come after you any more

(45:13):
than they already are. That's athank you, that's well put, and
that's the way. That's what Iwanted to say, Dave. But like
I said, you have two choices. One is to cooperate. The second
one is not to cooperate. Seejust two choices. Now what happens if
you don't cooperate, they're going tonot believe you and they're going to come
after you, which is fine.They can come after you. They're also

(45:36):
going to try to maybe put iton your credit report. It's better if
they come after you in court becausewhat you'll simply do is show up at
court and defend yourself. It's notme. They'll have to show signatures and
proof, and they won't. Theywon't be able to. It's that simple.

(45:57):
Okay. You can also exercise yourrights, tom you can. You
can you know, demand that theyprovide you written evidence of debt and you
know, your signature, and Imean, you can go down that road
and make them do that stuff.And they'll have to do that. But
you know, chances are whoever openedthat credit card, you know, probably
did sign your sign, your nameto it and stuff. So they may

(46:20):
think that they're, you know,doing the lord's work here and that it's
a completely legitimate prove of my andDan. They're not. By the way
the car opened. And that's whyI want to say something. That's one
of the reasons they want your thesocial and other information because they can't share
the information with you unless they knowwho they're dealing with. And if it
was John, John and Tom,if it was physically like a different state

(46:45):
or city, that's also, isn'tthat Sometimes? Yeah, I mean if
it was open in Georgia and he'sin Colorado, that's certainly going to make
his case for him. But letme explain something to people that they may
not realize. And I don't meanto speak down to people, but this
is something that we also have torealize. There are a lot of consumers

(47:06):
who are really good at scamming thisway. In other words, they actually
send their credit card information to arelative in Georgia and they say, go
on out to a Best Buy andlet's buy two Giant TVs. You send
me one and you keep one,and then I'm going to protest the charge.
I mean, there are people thatdo that. So then they protest

(47:30):
the charge saying I was never inwhat I haven't been in Georgia, you
see. So that's why just sayingsomeone else did it is not enough.
But when push comes to shove,they have to show that it was you.
And actually, even if you didone of those scams where you had

(47:52):
a friend in Georgia buy you abig screen and bought themselves one, and
then they that the credit card companytakes you to court. Even in that
case, they still have to proveit. And nobody's going to be able
to prove it. I mean no, let's put it this way. No
one will take the time to proveit. They'd go to look at the

(48:14):
security footage when the purchase was made, see who the person is. I
mean, come on, the practicalityis they're not really going to come after
you if you say it was fraud. Do you realize a line item for
credit card issuers on fraud is justthat they're right offs. They're right offs.

(48:37):
That's why we pay the interest rateswe pay. It's a calculated write
off. So those are the twoways you deal with it. Three oh
three seven one three talk Mitch,you have a question, Go ahead,
sir. Yeah. My brother wasyou had a new plan built a stole
at one of those little uh Bushpilot plane. Yeah and I yeah,

(49:01):
I just got back and he hada trainer, he didn't have his license
yet, and this girl was trainingit and they went to Oshkosh and dropped
that plane on landing there stalled itand dropped it and he broke his pelvist
and they hurt and they're not wantingto tell people. Well, hold on,
let me, let me, letme analyze this. I don't know

(49:22):
what you're saying. I don't knowwho you're who the bad guy is here,
but hang on because it's interesting.Oshkosh is going on right now,
the largest air show UH for UHfor people, and we'll talk about that
and more coming up. Three ohthree seven one three A two five five.
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(52:02):
Hi Tom Martino here, I'm notsure where we're going with this,
but let's start now, Mitch.He says his brother ordered an airplane from
a factory I think he's talking about. And it's a stole airplane, meaning
short takeoff and landing. It's forbush pilots or people, you know whatever.
So he said he was taking theairplane to Oshkosh an air show and

(52:24):
there was an accident. Now,Mitch, he left a lot of holes
in the story. Let me askyou. Is this a factory built aircraft?
No, he it was built atthe factory, but he did he
would fly there and do a lotof work as solf. Okay, So
this is called they're they're called homebuilt aircraft, or they're called experimental aircraft.
It's where you participate in building atleast fifty one percent of it,

(52:47):
and sometimes factories set up workstalls whereyou can go and do the work.
But they help you. Is thatwhat he did? Ye? Okay,
So he got this experimental aircraft andthen he took delivery of it. And
what happened then, Well, hetook delivery and just finished it, and
then he hired somebody, that instructorthat wanted to get hours so to take

(53:12):
it there so he could get flighttime. I yet. Okay. Now
when he took it there, didhe go with the instructor? Yeah,
he was in the plane. Sohe hired an instructor to take him in
this plane to Oshkosh. Yeah fromwhere? Uh, South Carolina, I
believe. Okay. Then what happened, Well, when they came around you

(53:36):
know that little grass one ray orsomething, she stalled the plane that dropped
about thirty feet and the instructor stalledit too high. Yes, because we
all stall when we land, right, that's what you do. You stall
about six inches above the ground.Right. Okay, So so she miscalculated
and she landed hard yep. Anddid it hurt him? Well, he

(54:00):
cracked his pelvis. He's pretty sore. I don't think. Oh my gosh,
did it did it destroy the aircraft? It's hard to tell, but
yeah, all the framework inside andthe landing gear is pretty much bent everywhere.
Okay. And did she hold herdid you say it was a she?
Yeah? Did she hold herself outas an expert in that type of

(54:24):
aircraft? You know? I don'tknow that part. She was the people
that build and suggested her do it. Okay? And may I ask another
question. When you build an experimentalaircraft, whether it's at the factory or
at your home, you're supposed tohave the FAA or a designee inspected to

(54:50):
get an air worthiness certificate, andthen you're restricted around an airport for a
certain amount of time before you youcan fly across country. So did he
do all of that? He wasflying it there a little bit. I
don't know how much, but uh, I'm going to it. Let's assume
for argument's sake, he did everythinglegally to get it to where he could

(55:14):
take it to Oshkosh, and thenhe hired this instructor. So is he
wondering if he has a case againstthe instructor? I think so? He
had insured for two hundred thousand,which it was probably worth or something.
They didn't want to go through insuranceor anything like that. Now, hold
on, did he also have insuranceon that for his medical payments or personal

(55:37):
injury. Well that I don't know. I just left him, but he
was pretty much Now is the instructor? Is the instructor hurt? I don't
think so. I mean a littlebeat up, but not I don't think
so. No, they walked awaybecause let me just tell you something.
And is the plane still there?Yeah, he had entrance company. They

(56:02):
put it on the trailer and they'restoring it there. Now. Okay,
now you understand she could actually suehim. Do you understand that? No?
I didn't because he built the plane. Yeah. And and this is
the little known secret about experimental aircraft. You're taking full responsibility. She could

(56:23):
claim that it was defective. Andthat's why she stalled it. She was
trying to say that he was onthe plane. And see she's already trying
to say that. So John,this is a mess, right, John
Fuller? Okay, the way here? Yeah, what do you think I

(56:45):
mean he's worried about going after her, She has to worry about her coming
after him. Yeah, I meanthis is really more up your alley as
far as the airplanes and stuff areconcerned. But it just sounds like a
mess when you're dealing with these homemadeyou know, yeah, planes and different

(57:06):
certifications, and let's call it,let's call it an experimental car, let's
call it a hot rod. Right, what would happen? I mean,
you'd go to insurance first, right, for coverage for the injuries, of
course, okay, and then afterthat you would go if you wanted to

(57:30):
do. I mean, in otherwords, if you hire someone, you
drive a race car driver to racedrive your hot rod out to a car
show, and you're with him andyou get in an accident, I mean,
either one can sue either one.Right, you could say he was
driving recklessly. He could say itwas effective. Well, of course,

(57:52):
and one of the two of youis going to be right, or there's
going to be an allocation of responsibilitythrough you know, some sort of a
comparative negligence or assumption of the riskor something along those lines. But I
mean, listen, insurance is nota separately liable party. It's just a
substitute payer for some person's liability.So if that if the if the pilot

(58:14):
is negligent in the operation of theplane and crashes, and it's the pilot's
fault, then the insurance company isgoing to pay for the damages that were
done by the pilot. It's notOrange Company is a separately liable entity.
Right. And here here's another thing. Okay, does she have anything?

(58:36):
If you do? Sure, youknow. Here's the other thing, Mitch,
she has to look at Some instructorsactually have insurance that they carry while
they're instructing. Does she have insurance? I guess she should have. Well,
not necessarily, not necessary, it'snot required. So these are things,

(58:58):
these are things he's going to haveto look at, John, Right,
But that would be a separate sourceof payment for her same liability.
Right. And she may be coveredas a driver or a pilot under his
policy as a you know, aneffective permissive user, or she may have
coverage under her own instructors you know, liability policy or you know, or

(59:22):
there may be any number of otheryou know, avenues of payment. But
it's still her negligens. Now,if there's a product's liability type you know,
component to this, the manufacturer orwhoever that that entity would be,
may have their own liability, orit may be it split between the pilot
or the manufacturer. I like tothink of it like this. You have
one basket of damages. I mean, you just have one basket of damages.

(59:45):
It's all your pain and suffering,it's your futures of everything. But
it's still just one basket. Now, who's responsible for paying the basket off
is a whole separate inquiry. Andand there may be people that have have
a small percentage of liability, maybeten or fifteen percent. There may be
people that own half of it orbut you still just have one basket of

(01:00:08):
damages that you look for everybody tobe jointly responsible for. Yeah, it
is really a weird, Mitch,it's a weird situation. Now, did
your brother did he require medical attention? Well, he went to the hawk
By did X ray, but there'snothing they can do on fracts of Pelvit's

(01:00:29):
really he's just sore. But hewas also saying that now that that's happened,
because it was his plane, he'snot able to get insurance that he
gets another plane for five years.Is that true? Oh? If Yeah,
for sure, I mean he's gonnahave it. Well, especially an
experimental plane, it's hard enough toget insurance on those. It's very any

(01:00:52):
could yeah you can, Yeah,you can insure it. You can ensure
anything. I mean, really,if you pay enough. Experimental aircraft are
actually don't have a bad safety recordreally for those, but it has to
be done properly and all of that. And then John, you know the
fact there are two kinds of experimentalaircrafts well, probably way more, but

(01:01:14):
the two main kind is what's calleda kit that you buy from a factory
and it's been designed and it's beenput together, it's been flown. And
so then you get one of thosekits or you literally buy plans and you
go out and buy tubing and andmaterials and build it yourself. I mean
there. Yeah, so with afactory, I don't know of any and

(01:01:36):
I just looked it up ever ofany kit manufacturers being held responsible for because
all they're selling our parts or components. And then but it gets really hairy
when they allow you to come tothe factory and assist in the building process.
And you know, it's let's putit this way, it's one of

(01:01:57):
the last bastions of the frontier wherepeople haven't been polluted yet. I mean,
and it's it's quickly I can seeit going away. I mean,
and really you can also count onTom, I mean in a completely voluntarily
or voluntary environment. Courts are goingto enforce waivers. And I can't see
that any company would let somebody comeinto their place and participate in the construction

(01:02:22):
of a plane without waving fifty eightways from Sunday. Potential liability of that,
you know, aircraft being unworthy downthe road, don't you think absolutely?
In fact, the Experimental Aircraft Associationis called the EAA. They put
on Oshkosh by the way. It'sthe largest pilots organization in the world.

(01:02:45):
And what it does is that itlobbies specifically for this kind of stuff.
So you you know they've been throughit before. So Mitch what he should
call them for information? Although Iwill tell you this, they're going to
look askance at someone trying to collectfrom each other. It's almost like an

(01:03:06):
unwritten rule that when you're involved inthis kind of thing, leave that leave
each other alone. You know whatI'm saying. That's just the way it
is. So it's it's a weirdarea of law. I personally have done
an experimental aircraft from from from akit and mine was even weirder because I
hired professionals to help me, andand so it just gets so crazy.

(01:03:30):
And when I sold mine, John, do you know I didn't sell an
aircraft? Did you know that Isold his part part essentially? Yeah,
that's that's exactly what I did.And not only did I sell parts,
they were they were not airworthy untilthat person decided to assemble them or reassemble

(01:03:51):
them or you know, inspect them, blah blah blah. So it's there's
just so many things that that cango wrong, Mitch, I person.
We don't think anything's going to comeof this unless this person is heavily insured
and totally misrepresented herself. Three ohthree seven one three eight two five five.
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(01:05:25):
Dot Com. Hi, Tom Martinohere three O three seven one three
talk seven one three eight two fivefive. Welcome to the show. Here
to help you solve problems, answerquestions, take complaints. Hey Tom,
Can I ask John a question?Yes, sir? Hey John, Yes,

(01:05:46):
sir. I took your advice.I went on board a uh A
dash cam right on I was watchingsome Let's have a question for you.
It's obvious that when I've seen thesevideos where somebody break check somebody and they
hit them, that the piece andwho break checked them is liable. So
my question is, if what astupid thing to do to you? What

(01:06:09):
are you trying to punish someone soyou know they're trying Oh you mean they're
doing it on purpose. I thoughtit was like you're pissed off they're following
too closely. No, they're doingit to try and get an insurance claim.
But my question is this, Sean, if somebody break checks you and
then you're a responsible citizen and youwait and let them pull up and they

(01:06:30):
keep doing it. I know you'resupposed to say X number of car links
behind the person in front of you, but if they keep break checking you
and let's say you go into them, are you liable because you weren't far
enough away. So you're wondering ifafter a certain threashold you can just go
ahead and hit them. Is thatright? No? No, no,
no. No. Question is ifyou know, let's say your three car

(01:06:55):
lengths behind, and then you knowthey keep break checking you, are you
responsible or is it a deliberate attemptto create ashurance fraud? Doctor could go
either way. You know. Thebeauty of a webcam or a dash cam
is that you're going to have avideo of exactly what transpired. Ultimately,
if you're the guy who's claiming theother guy who's at fault, you have

(01:07:18):
the burden of proof, just likeI said the other day, and you're
going to have to prove that hisnegligence was greater than yours. And so,
you know, we've all heard ofpeople that do this scoop and squad
or whatever they call it, wherethey pull in front of you and then
lock up the brakes and try tomake you run into them. I don't
know if that's exactly the same asa breakcheck. Usually a breakecheck involves at

(01:07:41):
a road rage or something to wherethey got is upset at you and that
kind of stuff, and then youknow, really the purpose of the breakcheck
is is almost more of an assaultof sorts, you know, against the
other party to make them almost havean accident. You know, I don't
think really most people that are breakcheckingare trying to get you to run into
them. They're just trying to factthat I looked it up here and they

(01:08:04):
say that. Most of the timethey're trying to tell you to back off.
But there are cases where people havetried to put in insurance claims and
so it's both really, but mostof the time it's just like saying,
stay off my back, you know, right. So what was your actual
question, though, Doc? Whatare you asking? Is it? Ever?

(01:08:26):
Are you ever held responsible for runninginto someone who breaks checks? Really?
That's basically my question. The legalpresumption is that you're at fault if
you rear in somebody. So it'sa rebuttable presumption. But to rebutt it,
you're going to have to prove thatthey were more negligent than you in
the cause of that accident. That'sthe legal answer. You're presumed to be

(01:08:47):
at fault because you ran into acar from behind. But it is a
rebuttable presumption, and one of thosefactors is going to be your nice new
video. Great okay, speaking ofthat, I just got a text on
this here and it says, here, what happens when you hit a bicyclist

(01:09:11):
a cyclist at a four way stop? They don't stop anymore? John?
Is that the same? I mean, you're not automatically guilty, are you?
Well? I hate that because Ithink bicyclists also have you know,
they have their own responsibility to notbe negligent. And I think before you
blow through an intersection, even thoughyou don't technically have a duty to stop.

(01:09:35):
I think you have a duty tonot create an impediment by blowing through
a stop sound when there are otherpeople that have the legal right away.
So I don't think you get tohave your cake and eat it too,
Okay, three, all three seven. Yeah, it makes a lot of
sense. Yes, sure, Imean, but unfortunately that's a whole different

(01:09:58):
bugaboo for me and I. Youknow, I have a really nice mountain
bike or hybrid bike, and it'san e bike. It's not a free
wheeling scooter. It's not one ofthese big giant things you press the button
and go, but it's a pedalassist if you want it. And I
love riding, but I also there'sjust this prevailing attitude from cyclists and it's

(01:10:20):
almost like they're angry all the time. You would think you'd smile when you're
out riding your bicycle, they seemto be so damn angry. I don't
get it. Yeah, you know, I tend to default to the rule
of gross tonnage, which is kindof a boating term. But you know,
the guy, the guy who's bigger, badder and has the right away

(01:10:41):
he has the right away. Exactly. It's better to be wrong and alive
than right and dead, you know, So I don't know you're right.
There is that kind of you know, that mentality, and I think it
comes from just so many people thatyou know, drive to close leave it,
yeah, push him off the roadthat do a lot of stuff that

(01:11:03):
they really shouldn't do, so toa two way street. And I,
you know, I used to spenda lot of time on a road bike
and stuff, so I've seen itall. But I got a trivia question.
I got a trivia question. Aright of way in the air.
A hot air balloon is there andit wanders off into some controlled airspace,

(01:11:25):
and there's an airliner who has theright away. I would guess the hot
air balloon dust as he's restricted inhis maneuverability. That's exactly right. That's
in fact, the law reads,the less maneuverable aircraft has the right away.
Ding ding, ding ding. Youshould get my dinger. All right?
We got more coming right up.Okay, And for solar, you

(01:11:51):
want to go to Red Rocks roofand solar. Red Rocks does forty tax
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(01:12:14):
Red Rocks, Roof and Solar.And for commercial systems they can show you
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that, you know they're proud oftheir pricing and they want to do an

(01:12:38):
open, honest business with you,whether it be Granted, Quartz, quartz
site, marble, any material.In fact, they charge wholesale on all
materials and you only pay a markupfor fabrication and installation. That's it,
now, here's the deal. Theytear out and haul away free as well,
and they give you prices on thephone, and if you get the

(01:12:58):
materials from their from their remnant yard, the materials are free. Call them
the Artigranite dot com. Get yourprice right now three oh three three eight
six fifty nine nineteen. Hey,I want to talk to Joseph Canno.
I got a question here, Joe. Somebody texted me and said, they
have a four to one K,but they're still working. Okay, they're

(01:13:21):
over fifty nine and a half,so they're like in their sixties. But
they want to know. They heardabout an in service rollover, so they
want to know can they continue workingand keep the four oh one K,
but at least put some of itinto an annuity for the future. That
is right though, you know,that's exactly what it's called in service transfer.

(01:13:44):
And as longer excuse me, fiftyand a half, you will be
able to take money out of thefour oh one K and put it into
safety with our annuity, you know, and there's no penalty, right,
no tax event. In fact,some people take the entire amount of their
four oh one K, you know, they don't have to close the four

(01:14:05):
a one K. They can continueto work and the implorer will actually match,
you know, the contributions that theemployee's making, so they can actually
take a portion of it, orthey can take the whole amount out of
the four to one k. Isuppose they are fifteen over fifty nine and
a half. I don't care ifthey're working. They can do that.

(01:14:27):
Now, there was something that cameup yesterday I wanted to ask you real
quick. We talked about we alwaystalk about rolling over a lump sum you
might have in a retirement account.But let's say you save some money,
okay, and you got money inthe bank. I mean, there's nothing
to prevent you from converting some ofthat money. Again, you don't always

(01:14:47):
put all your eggs in one basket, but you can take a lump sum
of some of your money and doan annuity and get tax deferrals. Right.
Absolutely, that's what they call anon qualified annuity. Non Qualified means
that the money that you're putting intothe annuity has already been taxed previously with
a savings account, investment accounts,broker's accounts, whatever. That is not

(01:15:12):
an IRA, not a four oneK, that's qualified account. So when
you pull it out, you don'tpay tax on the full amount. Then
that is right. Then they're goingto tax to you on the money that
you already pay taxes on. That'sthe beauty of non qualified annuities now is
that done automatically, Joe. Soif you have a non qualified like and

(01:15:32):
you start taking income, who figuresout the tax ode on that that company,
that company that has the annuity willfigure that out, and then you'll
automatically only pay tax on the amountof gain on the gain. That is
correct. That's absolutely correct. Anda lot of people have both. They
have a qualified annuity and they havea non qualified annuity, so they can

(01:15:56):
actually and you know something else realquickly, then well, if that annuity
doesn't have any mandates like the rmbsthat require a minimum distributions exactly who that
let's see total like almost like abeautiful right, let me give out your
number three oh three seven seven ninesixty six hundred. Appreciate that shoe seven
seventy nine sixty six hundred. Mymoneymway dot com. And by the way,

(01:16:20):
you call us now get on theshow, get help information referrals three
oh three Martino. Leave a messageif we're not there in the evenings and
we'll get back to you three ohthree Martino News need advice, so you

(01:16:46):
don't have Shooter's gonna help. Comeman, this is the Troubleshooter Show.
Know Tom Martine Hey, I'm TomMartino. Welcome to the show. Three
O three East seven one to threeTalk three oh three seven one three eight

(01:17:09):
two five five. Welcome. What'sgoing on in your life? If you
need help with a consumer problem,don't wait, get it done as soon
as possible, and uh get acall to us and we'll try to work
on it and do what we canto solve your problems. And uh,
some of the problems that have beencoming up lately very interesting. First of
all, Uh, we have JohnFuller with us. People have had some

(01:17:32):
questions on personal entry one, includingon aircraft accident with an instructor? Can
an instructor be held responsible? Almostanyone can be held responsible for anything if
the evidence shows. But that doesn'tcount as much as where do you get
paid? You know, so manypeople overlook that. Even with malpractice,

(01:17:57):
Yeah, even if even if,even if you prove malt, sometimes what
are the damages? And John,with malpractice And I don't mean to pick
on malpractice, because there have beengiant lawsuits for malpractice around the country.
But one of the things that Ifind again, you know, the last
thing in the world people want todo is try to instruct people on how

(01:18:20):
they're not going to get what theythink. In other words, when people
call me on the show about anykind of a problem, I hate telling
them, well, you know,there's not much we can do for you,
but let's talk about malpractice in thatregard. For example, there are
people who went through excruciating pain andoh, they they left something in me,

(01:18:43):
and then they corrected it immediately.Okay, I know that sounds horrific,
but it happens, and it's ridiculous. So they oh, imaging showed
something was in them. That imagehorrified the person, and then you hear
I could have they should have almostdied, almost almost exactly, or almost

(01:19:06):
paralyzed for life. I've hearn this. But then they corrected it, and
they corrected it immediately, and theycorrected it without further harm and without further
cost. As crazy as you mightnot, as crazy it might seem to
you, there may not be enoughdamages to go after they went and messed

(01:19:29):
up your perfectly good case. Canyou believe that? Mm hmm? And
really, John, Yeah, goahead, you bring up a great point.
I mean, you know, andwe laugh about it, we make
jokes, and oh, you hada perfectly good case up until you survived
and and all that stuff, butit's not a laughing matter. I mean,

(01:19:49):
people get hurt all the time bydoctors. But here's the reality.
Doctors are people just like anybody else, and sometimes they make mistakes. Those
mistakes are called malpractice. But sometimeswe just have bad outcomes. Even despite
the very best, you know,the practices getting employed, sometimes things just

(01:20:12):
happen and you end up with abad outcome. And I mean I've probably
done a thousand intakes for medical malpramics. I began my career in a men
MAOL firm, and I bet ninetyfive or so percent of the cases that
we would get to call in werejust bad outcomes, you know, just
something didn't go the way it wassupposed to. And only when you have

(01:20:35):
an actual mistake that is coupled withreal live damages that were caused by that
mistake, are you in the realmof medical malpractice? And John and that
got a lot of shocked to people, don't you think a lot of it
is communication, both before and afterice. I mean, when we go over
surgery, you try to be ashonest as you can about what the possible

(01:21:00):
the outcomes might be. And thenif some of that happens. Talking to
the patient explaining why it happened andwhat the remedy is really takes away a
lot of the anger that patients have. Yeah, well, I think you
bring up a great point. Andbut again, any bad outcome is going
to looked at or it's going tobe looked at with a jaded eye,

(01:21:24):
because people think that, you know, anything less than the best outcome must
be the result of some mistake.And they have a really hard time accepting
the fact that sometimes bad things justhappen, even despite the best and the
most appropriate efforts by the good doctor. But there are things that we tell

(01:21:44):
people that are known complications. Sure, and sign a whole big form that
says the same thing, listing outfive hundred different things that could go bad.
But people just sign those and think, God, it's for other people,
that's not for me, right,ah you Okay, So here's the
deal. It's it's the kind ofthing that if you have permanent damage but

(01:22:12):
temporary discomfort doesn't rise to the level. And and and we had one case
where an infant baby, oh mygod, was given some drops okay of
medicine and horrific mistake was made shenever gave the drops to her baby.

(01:22:33):
I don't forget. Oh god,it was so long ago. I forget
how it was decided. Yeah,it was so was it nitro or something
for heart or it would have killedher baby instant instantly forgetting it? It
didn't. And John, this personwas so upset she wanted to sue.

(01:22:55):
And I said, but how doyou explain? Okay, but what are
you suing for? Can you sue? I guess I'm going to ask,
can you sue for being scared?Can you ever sue for being scared?
Or what could have happened? Idon't know. I mean, I guess
you could sue, right, butyou know in a vacuum. Yes,
general distress is a real and itcertainly can follow some really egregious behavior.

(01:23:21):
But you know, I recall thatthat that copulter call. I think you
guys brought me in on it.And you know, despite telling this lady
that, look, I mean,good on you. You discovered it.
You didn't give it to your child. If you had given it to your
child, yes, but thank godyou didn't, and your child's okay,

(01:23:43):
And you discovered it, so yourdamages are very, very small compared to
what might have been if you had, you know, if you had given
that to your child, and thankgoodness that you didn't. That's right.
It's a hard concept for people toget there so mad about what might have
been that it's very difficult for themto sometimes step back and go, wait

(01:24:06):
a minute, thank god, whatthat what might have been didn't happen.
I mean, I could make akamala joke here about the things that were
that aren't that were that was,you know, but but the work salad,
but exactly, but thank god theydidn't happen, and as a result,
you don't have any damages to sueabout. Okay, So on this

(01:24:30):
I have an I have another questionhere. Let me see. I'm going
to this text. By the way, I'm accepting texts on a personal Google
number I've had for years and I'veopened it up to the public now twenty
four to seven, and I willuse it on the show and you can
reach me. It's seven four seveneight. Anyway, here's bottom line.

(01:24:54):
My ex roommate left a car inmy garage. It is not roadworthy,
but they have not gotten it outof my garage. Okay, so what
can I do if this vehicle isall but abandoned. Well, that's the
whole point, is it? AbandonJohn? We get this a lot with
different things. But let me askyou, what would you do if you

(01:25:16):
had a roommate or somebody and theyleft a car behind. What would you
do? I'm assuming they're the ownerof the property, the person who's writing
me. So what would you do? I mean, you have a car
there, you know, I alwayssay common sense, but I don't know

(01:25:38):
if this person has it towed awayor to a junkyard, an impound or
whatever. I don't know. Doyou sneak it out in the middle of
the night so it gets towed offthe street? What do you do?
Well? I think you would.I think you would start by giving notice
to the actual owner, you know, sending sortified letters and I'm going to

(01:25:58):
get rid of this. It's aproperty. If you don't come and secure
it, I mean, you've gotkind of a notice problem. And I
don't know that the law imposes that, but I certainly think to cut off
at the past any attempts to suggestthat you owe them for their their property.
Once you've gotten rid of it,you know, put them on notice
that you're going to get rid ofit. And then that's a crazy idea

(01:26:20):
that they could just leave it andyou somehow become responsible. Yeah. So
anyway, when you have, ifyou truly had abandoned property, again,
if you can show you tried tocontact them and they never got back to
you, I would get rid ofit. You know, you might.
You might even want to sell itand something like that, because then you

(01:26:43):
can prove the open the actual valueon the open market. And then another
thing, the worst case scenario ismaybe pay them what you've collected minus maybe
storage, I don't know, youknow, you probably sue them for and
you know, some sort of ofa storage fee that was an implied fee

(01:27:05):
of leaving it in your garage thatyou're having to pay rent on and get
a judgment and then technically foreclose againstthat. I mean, you could end
up taking ownership of that vehicle,but it would be a long path to
get there, but I could seethat happening. Yeah, three three seven,
one, three eight two five fivemore Right after this, Hey,

(01:27:26):
Retirement Planning Center of the Rockies isa place to call, to consult with
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(01:27:49):
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(01:28:10):
to you with no obligation whatsoever tofind out what they can do. Ask
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Rpcenter dot com. Nine seven zerosixty sixty three thirty two eleven nine seven
zero sixty sixty three thirty to eleven. You know, the Art of Granite
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(01:28:33):
you want counters and here's what theydo. They fabricate and install it,
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(01:28:56):
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confident they are. The Artifgranted dotcom three oh three three eight six fifty
nine nineteen. Hi Tom Martino,your troubleshooter three oh three seven one three

(01:29:18):
talks seven one three eight five five. It's amazing to me how many how
many emails I get about cars andhow many questions. Now when I say
I get questions, some of themcome directly to me on text. Others
come through email through help at troubleshooterdot com. That's an email address.
I also get them through nextdoor,I get them through YouTube and Facebook,

(01:29:43):
and I get them through even LinkedInInstagram and things like that. So really
there's a number of places where Iget increase. But okay, listen to
this question. I mean, Idon't want to make fun of questions.
Every question I say is a goodquestion, right, But here's the question

(01:30:08):
from James. Do you stay firmon the price when selling a car now?
I don't know if they mean doI or should you? But it
all depends. I believe the marketplaceis the most accurate place to get pricing

(01:30:30):
on anything, because if it isworth it, it will sell. It's
that simple. If there's enough demandand you ask a price, it will
sell. If it will not sellfor that price, you can only do
so much to convince people to payit. In fact, most of the
time you don't convince people of anything. People convince themselves to buy it,

(01:30:56):
although a good salesperson can, butthat goes a whole different there's a whole
different topic. If you're selling somethingon a one up thing, you're not
a professional. You're not going totalk people into anything, Okay, So
bottom line, you stay firm onlyif you are confident you're going to get

(01:31:16):
the price. And then what aboutbuying a car online? Now, I'm
getting a lot of these car questa lot of car questions in fact,
and I can't save them all forCar Day because there's too many. But
it says buying a car online outweighsthe longer wait times for delivery, does
the convenience outweigh the longer wait times. What would you buy online? Of

(01:31:41):
course I would. I mean nowadays, buying online is exactly the same as
buying anywhere else, as long asyou're dealing with licensed dealers. If you're
dealing with individuals online or in person, you can get ripped off with either,
but online there's more of a chanceof getting ripped off. I can't

(01:32:02):
tell you how many times people havebought a car site unseen, site unseen
online from a private owner, throughFacebook or through somewhere scent payment, got
the car and it was nothing likerepresented John. In a situation like that,
sure, you can probably go backthrough correspondence and prove someone lie to

(01:32:25):
you or cheated you. But thenwhat do you do about it? What
do you do? What's the practicality? You've already taken the car, You've
already taken delivery. So I likeonline car buying. By the way,
I've purchased the last three cars Ihad online, but they were from licensed
dealers, John, How do youpurchase I have done the same thing.

(01:32:50):
Yeah. Now, I'd like totell you I go to a dealer and
haggle, but I don't. Yeah, So I you know, I generally
don't buy too many brand new vehicles, so a lot of mine intend to
be you know, direct buys withwith owners and stuff like that. But
you know, I have bought acouple of vehicles off of eBay motors I

(01:33:13):
think, or online like that.Yeah. Now, by the way,
the reason I am the reason Iam reading these is because I've had them
for so long and I on cardays sometimes you can just do so many
car questions. We have so manycalls on cars, so I don't always
get to them. But if you'vewritten one of these questions, I hope

(01:33:36):
I'm answering them for you. Butlike like this one, and again,
I piled up more car questions thanothers because, as I said, I
saved them for car day and don'talways get to them. Okay, other
questions I can get to, likeduring the week, but I kind of
saved cars and I shouldn't that theywere piling up. How would you answer

(01:33:58):
this one? What are some hiddencosts to consider when buying a car?
Well, there are a lot ofthem, but they're not hidden. Okay,
But I think the biggest problem iswith the FNI department that stands for
finance and insurance. Okay, theirjob is to sell you products on top

(01:34:19):
of the car. That's their entirejob. Some of these products are physical
products, like the things for thecar, like coats, and they used
to be like, you know,pin striping. Now they do paint protection.
They call them and glow yeah,or or some of them are like

(01:34:44):
yeah, just crazy stuff. I'lltell you, almost almost everything they sell
you at a car dealership in theFNI department, In fact, I can't.
Yeah, almost everything they sell youis useless, or you don't need,
or you can buy cheaper one ofthose three. Useless you don't need,

(01:35:05):
well, that would be the sameas useless you can buy cheaper elsewhere,
including the insurances. Never buy insuranceat the dealer ever, okay,
never, not credit, life,not disability, not anything like that.
You can always buy that cheaper.Always buy it cheaper if you want it.

(01:35:26):
The next thing, the extended warranties. Never ever, ever, ever,
ever, I'm not talking about prepaidmaintenance. There's nothing wrong with that.
But if you have to keep goingback to that dealer, consider that.
But if you can go to anyfranchise dealer, prepaid maintenance packages are
the only thing they sell that Ithink are great deals. Now there are
some other things you may want toconsider. And I personally learned a lesson

(01:35:51):
here. I didn't realize that newexpensive wheels on a car, these aluminum
or magnet whatever they call them.These you know, you know what mean,
these wonderful, beautiful, fancy lookingwheels, they're not hubcaps, they're
wheels. They're a magnet for damage. Go up sometime when you're in a

(01:36:13):
parking lot and look at the wheelsof these fancy cars. Almost every single
one of them is chewed up orthey have abrasions or scratches or something.
It's almost like you can't not doit. I mean, okay, So
this one guy asked me when Iwas buying this one car, fourteen hundred

(01:36:35):
dollars, he says, and it'llcover your wheels for the life of the
car, not just one clan,It'll cover it never goes up. You
pay one time, fourteen hundred bucksand it covers your wheels. I think
maybe there was one hundred dollars deductible, and I'm thinking it either replaces or

(01:36:55):
repairs. And I say, I'mnot paying fourteen hundred dollars to cover a
wheel or wheels. Not three weeksafter taking delivery of that dang thing.
I I don't want to talk aboutit, but I scuffed two on the

(01:37:16):
left side, and one of themcould be buffed and fixed. That was
six hundred. The other one hadto be replaced eighteen hundred. And I
thought, oh my god. Sonaturally I call a dealer and said,
hey, you know that protection Ibought. No, I'm just kidding,

(01:37:38):
IIA, but anyway, I boughtit from then on out, and it's
the most used thing I ever do. That's the one thing I because you
can't just go to your insurance companyand buy protection for your wheels. To
me, you will never not useit. Unfortunately, John, are you
a reels perfect? Come on,I defy anyone on YouTube or anywhere.

(01:38:00):
Go on, morons, tell meabout your wheels. Tell me you don't
have any kind of problems on yourwheels. Go ahead. I have one
trailer that has really nice wheels onit, and I dinged them up.
Yes, I admit it. There'ssomething about him. It's like they just
I don't know anyway, So Iwould buy that. Oh, don't ever

(01:38:26):
buy windshield protection. So a friendof mine buys windshield protection. You pay
forty five hundred or twenty five whateveryou pay, you know, over the
life of the car, it's financedor whatever, and it replaces all your
windshields. Right, oh, bull, if you look closely, it's it's
not it's not forty five hundred,but well, whatever it was, you
got. You get up to fortyfive hundred or five thousand dollars in coverage,

(01:38:48):
meaning so you replace three windshields onsome of them two windshields, you're
done. But they charge you thisridiculous amount. And then I call Compass
Insurance and he says, Tom,you're paying an extra ten or fifteen a
year for zero deductible glass protection.Right. If people knew how much profit
the dealers make off of all thatdifferent coverage, they would never buy any

(01:39:13):
of that because most of it isavailable, you know, elsewhere, but
the dealers making at least fifty percentof that premium as staying with the dealer
as just profit. Right. That'sright now again, So go ahead,
John, Oh on my car,I was just looking at the purchase sheet.
There were ten additional options that theP and I guy may you know,

(01:39:41):
often me from extended coverage to windshieldprotection, to ceramic finished protection,
to gap product, all these things. That is what they try and make
their profit on. Yeah. Yeah, And by the way, I I
have no problem if they want totry to sell people stuff. I've seen
car deals where the extras on acar that started out at around forty five

(01:40:09):
to fifty or eighteen thousand dollars.Holy moly, No, I'm not kidding.
In fact, if anyone has purchaseda car recently and you're listening to
this in a podcast or on adelayed stream or whatever, if you have
purchased a car, I would liketo know the add ons you bought.
Now, I'd like to believe alot of my listeners don't have a lot

(01:40:31):
of add ons, and not alladd ons are bad. Like I told
you, there's nothing wrong. Ithink with prepaid maintenance you get what you
pay. In fact, you savemoney. There's no doubt, John,
did you ever look at prepaid maintenance? No, But I was going to
say, I really do think fora lot of people, gap insurance is
a good coverage. Well, andthere's some caveats to it, and those

(01:40:54):
need to be explained. But youknow the reality is when you roll off
the showroom or even if you don'tbuy anything else, I know you owe
more than that car as well thatmoment. Okay, But most of the
time, John, most of thegap is not something that's covered by the
policy. Most of the gap comesfrom from negative equity from previous deals,

(01:41:18):
or paying too much for a car. They will not They absolutely will not
pay for that. If you werestupid in buying a car. It doesn't
cover stupidity. It does cover ifyou're if you're a year into it and
your your your loan balance has gottendown a little bit. We've never had
GAP not pay when when somebody's hada total vehicle and the you know,

(01:41:42):
the fair market value of the totalloss is less than they owe. We
have never had GAP not pay that. Different from my client, No,
Well, here's what I was goingto say. In most cases, GAP
doesn't cover the gap in the Inthe areas it does cover. There are
certain times you if you mapped outa loan, there are certain time periods

(01:42:03):
that it will cover you, likewithin two weeks or three weeks of a
car. I don't mean it's writtenthat way. I mean where it's mathematically
where they cover because, like yousaid, John, when you drive off,
So for a few weeks you're reallyvulnerable, then for another for a
year or so you're not, thenafterwards you are. It depends on where
what cycle you're in on that loanas to what your gap does. Your

(01:42:27):
gap is most in the beginning andthen diminishes and then goes back up again
toward the end if you have along loan. But the point to make
it is even if you buy gap, John, Yeah, don't buy it
at the dealer. Well maybe,but your your example kind of presupposes that
you're you know, your your gapcould be a lot higher. I mean,
my circumstances are when my clients,you know, admittedly sometimes oh a

(01:42:54):
crap ton more than the car isworth, but after you deduct the fair
market value from it, the amountthe gap is being asked to pay is
quite a bit lower than you know, the actual value of the car.
Right. No, No, Inever had a situation where they haven't paid.
Well, it's been a lifesaver forsome of my clients, and and
and for the people that don't haveit. The flip side of it is

(01:43:16):
you've got a big pile of negativeequity and you don't have a car,
and you've got to figure out somethingto do. And if you don't have
that money, you got to goroll that into a new vehicle. So
you're but if you're going to buyit, I'm still gonna I'm just still
going to say this. If you'regoing to buy Gap, don't buy it
at a dealer. Buy it fromyour insurance people. And yeah, but

(01:43:36):
you've got to finance it. That'swhy people put it on at the dealership
because they don't have the money togo and buy that for cash at your
insurance agency or whoever. Get people. You know, you paid in a
premium, you paid in a premium, you're financing it. I mean,
let's I want to talk to Compassabout that. I don't think you pay

(01:43:57):
a lump sum for GAP, butbut can you get Compass on after the
break? I would like to askhim about that. I'm not arguing,
Listen. What I'm saying is this, but it's even if you're paying it
over six months, there's find outgoing to be that the person is paying
it over sixty months or seventy twoor one hundred thousand months or whatever they
finance cars for these days. Yeah, versus paying it off in a six

(01:44:18):
put John. Okay, First ofall, we're also going to assume that
if you buy it at a dealerand it's and it's a five year gap,
you're going to get money back whenyou sell it or trade it in
and you're not. You're not goingto get a rebate. And and the
other thing is, it's all I'msaying is this. It doesn't cover you
want. It covers you one hundredpercent of the time, but you're not
in gap one hundred percent of thetime over the life of a loan.

(01:44:40):
And again, people, the gapit covers that John's talking about is the
gap in value versus a normal loan. They will not go more, ever
than one hundred and twenty five percentof value. So you've got to be
careful. Not one hundred twenty fivepercent of what you paid, it's one
hundred and twenty five percent of value. And people find that even with gap,

(01:45:04):
if this is the wrong kind ofgap, it won't be covered.
I'm not telling you not to getit. What I'm telling you are two
things it very seldom covers. Whenit does cover the gap John's talking about,
buy it from a regular insurance dealer. But let's find out I got
to take this break. People arepissed at me. We got more coming
right up. Yeah, and let'stalk about a situation where you want to

(01:45:27):
save money on ac where I wasjust talking to Deputy Doc about getting this
whole house fan for his place,and in my opinion, it's one of
the smartest purchases I ever made.Now, Frankly, the reason I made
the purchase is I was looking intothis and he was going to advertise,
and so I said I'll buy it, and I bought it, and then

(01:45:47):
he became an advertiser. Now Iam happy I met him because then I
put it in a second house.And the QC whole house Fan Quiet Cool
whole house fan does exis exactly whatit says. It destratifies the air.
It makes the air more even,the temperature is more even, so your
air conditioner works more efficiently. That'sthe secret. But it also does something

(01:46:10):
else. In some cases mornings andevenings, it takes the place of air
conditioning, and in other times itjust helps cool down the house quicker.
If like you're out all day andyou come home and your house is really
hot, ten minutes it's cooled down. Then your air Works less q Secolorado

(01:46:31):
dot Com. Honest to god,I'm a satisfied customer, and I'll just
sing their praises. Three oh threeeight hundred thirty four nineteen. Hi Tom
Martinez here three three seven one threetalks seven one three A two five five.
Brian Burns is with us from CompassInsurance Group. Brian, we're having

(01:46:54):
a discussion about buying gap insurance ata car dealer, and I said,
look, you know, gaping assurancedoesn't cover stupidity. There's a lot of
things that doesn't cover. But mindyou, there are probably times when it's
not a bad idea. It's notgonna it's not going to cover all situations,
but when it does cover it canbe it can be a pretty good

(01:47:15):
help. But if I said,if you're going to buy it, buy
it from an insurance program, I'msure you'll get it cheaper than you would
at a dealer. John mentioned someJohn mentioned something. He said, Well,
the reason people buy it at adealer is they can finance it,
And again there's pros and cons there. You can finance it over three years,

(01:47:35):
five years, seven years, whateveryour loan is, but you don't
get rebates if you sell your car, it's paid for and it's done.
But I want to know when youbuy GAP insurance if I, Brian,
I don't even know if I haveit or whatever, or how it works
with insurance. Do you like quoteit for everyone? Or how does gap
work with you guys, we'll offerit on a brand new purchase. Really,

(01:47:56):
as you can imagine the least gapor loane gap. Usually leases have
it included in their lease payment,so it's not even really it's kind of
a moot point anymore. It's almostalways in a lease I see at least,
but a loan, if someone's puttinga decent down payment on it,
it makes no sense because it's it'struly there. You've already paid down the

(01:48:17):
loans. It's only when someone isfinancing it almost at one hundred percent do
you have that conversation. So weask about it. But I will say,
to the point of you know,people being to finance it, I
don't think three people realize how cheapit is. It's not an expensive coverage,
so we're not talking about adding ona bunch of monthly expense onto your

(01:48:38):
premium. And it's not a lumpsum. You don't have to pay a
lump sum for the life of thecar. No, no, no,
it's per policy, it's per policyterm and so. And that's the other
advantage is maybe you need it forthe first couple of years until you paid
down your loan enough where if youhave a loss, the value of the
car now is exceeds the loan amount. And so we're is if you get

(01:49:00):
it from a dealership, you're you'rejust getting a set amount that you're paying
of the life that loan. Whenyou do it for insurance, it's you
can cancel it, you could getyou could remove it at renewal after six
months, after twelve months, afterwhat however long you need. That's a
really good point. But how muchis it? Let's say ten bucks a
month, I would say is anaverage amount, John, what about that

(01:49:24):
bro that is pretty damn good?Does does Fred Layer offer that? I
don't know that, John, That'sa good question. Now, I would
say. All I'm saying is,listen, there are savvy purchasers and and
there are things in life that youcan always buy better from somewhere else for

(01:49:45):
cheaper and more advantageous terms. That'snot why the finance and insurance departments exist
at dealerships. They exist to makemoney and and everything they can roll in.
It's croak and choke or under spray, overspray or bug film or window
tent or window serial number registration,or whatever the heck you can think of

(01:50:09):
to add on. There's two componentsto it. Number one, the dealers
make a lot of profit on it, and number two, the finance companies
make a lot of profit on ittoo, because they're financing these ridiculously overpriced
amounts over the life of the loan. Let me get this compass insurance home.
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(01:53:32):
Troubleshooter three O three seven to onethree talk seven one three eight two five
five. We have another hour togo after this one, and we want
you to call with any problems,chrestener complaints. The important thing is at
the first sign of trouble, giveus a call. If you paid somebody,
they didn't do the work they're promisingyou, they keep delaying, or
maybe you're wondering about your hail damage, don't get ripped off there, and

(01:53:56):
anything else on your mind we'd loveto help you with. There are many
class action lawsuits going on right now, probably more than in history. Honest
to god. There are eighteen openclaims people can claim. We'll go over
some of those coming up in thenext hour. And anything on your mind,
don't forget. You can also callthree oh three Martino and you can

(01:54:17):
call that number twenty four to sevenand get in line for the next show.
Three oh three six two seven eightfour sixty six. Yeah, ripped
up news, you need advice?Who you don't help come running just as

(01:54:43):
as came. Shooter's gonna help comingMan Dix is the Troubleshooter show. No
Tom Martino. Hi, Tom Martinohere, Welcome to the show. Three
oh three seven one three talk threeoh three seven one three eight two five
five Welcome. We are here tohelp you solve problems, answer questions,

(01:55:05):
take complaints, make your life alittle easier. I have John Fuller with
me, my accident lawyer dot CO. He's here to answer questions along with
me, and uh, let's talk, Kathy. What's going on. Well,
I got like a little half sheetof paper, fuller than half from
the United States Census Bureau, andI said, well, this is a
scam because you know almost everything Nowaday, that's weird as a scam. Well,

(01:55:30):
the Census Bureau does go around toHolmes and they do leave cards.
So what do they want? Well, it's such an extensive survey, and
it's just it's it's I think therewas a lawsuit that when it came out
of Washington because they were asking reallypersonal questions. Hold on, let me

(01:55:55):
ask you. You're right it couldbe a scam. I mean I don't
know if you're right. I mean, you're right to suspicious because it could
be a scam. So but letme ask you this. Did they did
they knock at the door, first, No, nobody's gone that far.
I'm supposed to have it filled outtoday, but I had what did it?
Was it mailed to you? Yeah? And was it mailed from where?

(01:56:19):
Where? The actress? Yeah?The address? And where do they
want you to? Where do theywant you to send the information to the
US Census Bureau National Processing Center.There's a PO box Jeffersonville, Indiana.
Really Jeffersonville, Indiana. Okay,go ahead. This question a question you

(01:56:47):
know about your house? About areyou looking for a job? You know,
could you work? If you know, we're retired, So if you
work, if you got offered ajob, what hours are you gone from
your house? That that sounds thatsounds like normal questions, but it's it
could be something weird. I mean, I don't know why. I mean,

(01:57:11):
I've heard of census questions that askall kinds of weird stuff. Now,
just so you know, that isthe That is the address of the
Census Bureau, the National Processing Center. Is it specifically twelve oh one East
tenth Street. No, that's noton here. What is there a street
on there? Or it's a postoffice? Sheets of paper or twelve oh

(01:57:34):
one East tenth Street. That's it? Yeah, yeah, the one in
me to log into their ware.I'm having enormous problems with their software.
And what is the u r L? What is the u r L they
want you to log into? Okay, respond dot census, dot gov,
slash ACS. I've seen this before. It's called the community survey and they

(01:58:00):
do it sometimes between the ten yearcensus SATI. No I know. And
by the way, so if youwould believe how many people believe it's a
scam and it's not. And I'mtelling you that there's a penalty for not
responding. Did you know that?Oh? Yeah, they give you that
first. They threaten you before you'veeven taken the survey. They want to

(01:58:24):
know, do you know some ofthem ask some of them ask sexual preference
and sexual habits. Yeah, isit asking you? Taking that off?
But I think that was involved inthe lawsuits that was coming out of Washington
or that general area. And you'reselected. Here's what it says. You're
selected randomly. They will find youif you do not participate. There's a

(01:58:50):
number to call if you have anyquestions. What do you not want to
answer? Well, it's hard becausewe're in the middle of a move and
so lots of things are packed up, and so they want to know like
all kinds of things about like ourutility bills, what were they the past
twelve months for your gas and electricand you know that sort of thing.

(01:59:13):
Sewer And then in some questions thatwere on their computer stuff, they combined
sewer and water and ours are notcombined. They're separate, and so there's
like no way to answer that question, and so you do because they're threatened
and if you if you don't answerquestions correctly, you're also threatened with lawsuits.
In trone, no no only ifyou intention No. No, only

(01:59:36):
if you intentionally mislead them. Theysaid, okay, in other words,
you can give it your best estimate, oh, because it doesn't have anything
for approximately so the last you knowover the past twelve months, well,
I just don't have all the lasttwelve months. By the way, these
are done yearly between the ten yearcensus. They're done yearly at random addresses,

(02:00:00):
and they just try to keep statisticsup to date. And what they
say again is you do estimates ofanswers. You don't have to do a
lot of research. But how doyou know it's supposed to be do they
say the deadlines today to be postmarkedor is someone picking it up? Yeah,
it's a no. You know,I would just do it online.

(02:00:24):
Do you know Here's what's really weird. Do you know there are more complaints
about the census than taxes and everythingelse in government. It's the number one
complaint. They can what I've experiencedtoday, I can believe in what did
you experience? I try to usetheir software they're online because my response date

(02:00:46):
is today, and it was,well, it put my husband in there
four times, so and so toanswer all these questions for him four times.
So you know, if you're gettingincome, you do that by four
and your husband's name is Mike,and so you put one fourth in for
each mic And there was no wayI could take out the extra husbands.

(02:01:08):
So now I have four husbands.Oh no, some of the ones that
are causing me. The biggest troubleis they want to know like income for
the past twelve months, like inyour interest, if you have a bank
account, or if you're in andtell me what you don't what you don't
want to answer that or what noI can answer it. I what I

(02:01:29):
was going to do is I wasgoing to go to my taxes and pull
up turbo tax because I've got thaton my computer, and then you know,
put in the amounts for interest oryou know, social Security that sort
of thing. But it asks forthe last twelve months, so you know,
I have it for the last calendaryear. And so everything's packed up
in a box because we're moving,and you know, there shouldn't be a

(02:01:54):
research project. Or people have togo back and you know, pull all
their bank statements, all are utilitybills for the last twelve months, just
to answer senses. This is absurdkind of is Yeah, I wouldn't mind
putting in, you know, thingsthat I can pull off my taxes for

(02:02:14):
last year. But if I haveto go back and you know, pull
all kinds of statements or call Excelor United Power, geez hey. You
know, here's the deal. Ifyou you should put in as close as

(02:02:35):
close as possible to the accurate answerand not worry about researching. But you
shouldn't You shouldn't leave, you shouldnot respond. If you don't respond,
Like I said, I've never heardof people like going to jail or anything,
but they do become a pinon inyour ass, you know, I

(02:02:57):
know they talk. I know theytalk about possible imprisonment and all that,
but that's only for Trump. Noone else would get in trouble like that.
For that dims with one this manyanswer questions answered, especially on sexual
orientation. I know, hey,there was one year they were asking so

(02:03:17):
many weird questions. I think theywere asking about if you gained your lost
weight? I mean, god,you wonder what the hell? Now?
There are some people who are convinced, you know, that this information is
going to be used against you somehow, you know, either with insurance companies
or with taxes. Especially, theyreally hate it because they think they're just

(02:03:41):
looking to raise my taxes. Butbelieve it or not that census information cannot
be used by local assessors. Butno one believes that. Everyone believes the
government. I mean everyone mistrusts thegovernment, so they don't want to they
don't want to do it. Soby the way I saw it, it's
pretty easy to sign on. Itreally does look pretty easy. Now,

(02:04:03):
Becky, what is your comment?Becky just called in? What is your
comment on this? So? Iused to work as an enumerator for the
census, and we just did thecensus in twenty twenty yes, so there
is no reason why she would begetting a mailer from the census. Yes,

(02:04:23):
yes, there is every ten years. No, that's the extensive census
they do every single year. Theydo the community surveys and they randomly pick
communities. That's I already read aboutit here, so that the one you're
talking about is every day answering thosekind of questions, but you actually work
for them. The one you're talkingabout, you're correct, they do every

(02:04:45):
ten years. That's the that's theactually you know, I knocked on the
doors and I met with people,and yet how many people lived in the
apartment or the house or whatever.But did you mind a lot of resist,
Becky? Did you find a lotof resistance? Not at all.
Really, everybody was very welcoming,everybody was willing to answer the questions and

(02:05:14):
just it was really a very niceexperience. Wow. Yeah, And Becky's
right. The big survey is theone that happens every ten years. The
community surveys are done every year,but not all over the country. Every
year they pick the ten year census, as I said, this is everyone.

(02:05:36):
Then in between they pick random countiesor random addresses and every year send
out those questionnaires to those random onesand then they combine the data. So
Kathy, like I said, youknow, you got to do it now,
Becky said she wouldn't do it,but she worked for him. But
I'm telling you they have fine peoplein the past, and you don't want

(02:05:59):
to to get into that. Andas far as online, go ahead.
They tell me in their letter thatthe survey is to help meet critical needs
in your area, like the sittingon where to build a new school of
health clinics and fire stations, andthey do all kinds. I mean that
just seems so bogus. Well Iknow it does, but I don't know.

(02:06:23):
Look at they also say it's it'sfor everything. I mean, it's
that the census information, not thepeople, not your name and address,
but the information is shared by tonsof people. All of these surveys you
see, and all of these everythingis based on it. I mean,
this is the central data point inthe United States. People don't do their

(02:06:45):
own surveys. So as I said, everything I'm seeing says mandatory, mandatory,
mandatory. Like it or not,it's mandatory. So you know,
you can decide for yourself. Andas I said, I looked online and
I don't see any issue at all. It let me write up right online
and again I had to put ina number there or something, so I'm

(02:07:09):
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are happy to help you. That'sO'Brien Legal Services, olslaw dot com.
Hi, Tom Martino, you're atroubleshooter. So the community census, which
has done every year, is differentthan the ten years census. Mike's got

(02:09:01):
a comment on it. Go ahead, Mike, what's going on? Yeah,
yeah, I worked in the nineteenninety census. It is a numerator
first, you know, he didthe paper yeah, the paperwork shuffle.
And then when that ran out,I volunteered with other people and this other
guy to get the stubborn customers.And we right, right right, We

(02:09:24):
worked these slum hotels across this onCulfex, across the streets and said Sam,
as they tore them all down.But you know, I help one
guy falsify one because he just youknow, he would he just went to
open the door and he just beatit. More answer. But when I
get those those lengthy ones. Ijust I falsify it. I just make

(02:09:46):
it up. You know, youknow, if you make a good faith
if you make a good faith effort. And again, I don't know if
they take you to court to tryto figure out if you lied or not.
Anyway, but a lot of peopletell me they do that too.
They falsify or they not falsify,but they just write down random stuff that
might be close. Now, technically, if you know something to be not

(02:10:11):
true and you exaggerate one way orthe other, supposedly that is a crime.
That's worse than not answering. Butwell, well the White House can
lie to us. No, notour white House. You know. It

(02:10:33):
is amazing though, when you bringthat up seriously, Mike, if you
read the campaign emails from either side, honest to God, did you every
single time Biden gets on the airor makes a speech or does an email,
he outlines all of these major thingshe's done in three and a half

(02:10:54):
years. I mean, I swearto God, and he says every time
he's accomplished more than any president inhistory, or in thirty five or fifty
years or whatever. I don't knowwhere I was, but anyway, thanks
Mike three h three seven on threeTalks seven one three eight two five five.
No, I am so tired ofwhen these presidents do this crap.

(02:11:16):
I mean all of them, youknow, when you think about what they
say, and when he says hetook the worst economy and turned it around,
Uh, the one he was handedit was after COVID. I mean,
that's kind of like a little disingenuous, don't you think, Chopper?
You got to follow up, DeputyChopper, what's happening? Yes, Tom.

(02:11:39):
Last week at Kayla called on acar repair at Grand Valley Auto Repair,
a two thousand Suparu Legacy. Shesaid, she said it was a
seventeen hundred dollars thing and she's havingthe same problems right, And she took

(02:12:01):
it to Subaru and they said itwas one thing. And she took it
back to Grand Valley they said itwas another thing. And I reached out
and I talked to her, andI said, why don't you just ask
Grand Valley one question? Why didthey think their mechanic is better than the
authorized repair station at Subaru. Well, she called me back last night and

(02:12:22):
said they agreed to pay for it. My car's fixed and thank you.
Wow, Wow, geez, justfrom that, just from that question.
You know, it's amazing sometimes howa little empowerment to a consumer telling him
how to how to fight a battlecan help, honest to gosh, Tom,

(02:12:45):
So let me ask you some chopper. Have you yes, sir?
Have you ever taken part in thecensus? Yes? And I was paying
a little bit of attention to whatyou were saying, and yes, they
do handle leaflets and stuff like that. Later, but did you But have
you ever answered the questions or doyou resist? No? I'm just someone

(02:13:11):
to stop paranoid. I guess whenyou flew the black helicopter, you just
don't worry about things like that.I don't know, I kind of I
don't know, and I just don'tget it. I don't get it get
shook up about that kind of stuff. And it is a little paranoia.
But man, it's amazing how manypeople are now texting me. They just

(02:13:35):
can't stand the senses and they're sayinglike, and I'm talking about from all
walks of life, they just don'ttrust it. Jennifer is another comment?
Go ahead, Jennifer, what doyou have to say about it? Yeah?
Tom, Remember we should keep inmind that the purpose of the Census
Bureau is to enumerate the population.Yes, he knows this, and that's

(02:13:58):
it. They have no more authoritythan that. And that's why whenever I
get a census form or the communitycensus, I just trash it. I
pay no attention. If they cometo the door, I tell them how
many people are there, and that'sit. And they go, well,
if you don't tell us, wecan we can prosecute you. And I
tell them, bring it, bringit. You know what, hey,

(02:14:18):
you know you don't realize that insome cases it helps. Look what happened
to Colorado. We've got an extraseat in the House of Representatives because our
population went up. You personal problemto me, Well, what he's saying
is it can benefit us, iswhat he's saying. Also, if you

(02:14:39):
think about it, I mean itcan, it really can. In fact,
that's the only way they know howto a lot representatives and things is
by population. I've had them sendme the community form and I nailed it
back to them on their address inEvans on Evans and South Tender there and

(02:15:01):
in about a week they said itback to me set act. I trashed
it and they never bothered me again. I wonder if anyone listen to this.
They say here that there are peoplewho have been fined five hundred dollars

(02:15:22):
for false answers and if they don'tpay, they go to jail. Right,
false answers because they signed the formunder penalty of perjuries, who volunteered
into it. It says here thesentencing some of them have gone to find

(02:15:43):
Listen to this for refusing to answercensus There have been people who have been
fined as much as five thousand dollars, and it says prosecutions are handled by
the US Justice Department, and therehave been a handful of prosecutions in history,
but none listen to this, noneoccurring since nineteen seventy, not one.

(02:16:07):
Because they can't do it. Theycan't legally do it. They are
not authorized under the Constitution to doit. It's an empty threat. Like
I say, if you sign yourname, are the penalty of perjury,
then they got you. If youdon't do anything, they have nothing.
Well, so far, the whatyou're saying rings true because they haven't actually

(02:16:31):
prosecuted since nineteen seventy and that evenincludes a guy that gave false answers.
But anyway. I imagine though,I imagine that if Trump did it wrong,
they would come after him. I'mjust guessing. Three zho three seven
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five seventy two forty two. HiTom Archino, your troubleshooter three oh three
seven to one three talk seven onethree eight two five five. Some actual
questions from the US Census, notnecessarily in every one of them, but

(02:18:31):
in some of them. Were yousick enough today that you could not attend
to your ordinary duties? And ifso, what was your sickness? Here's
another one. If you are apolygamist, are your wives related? How
about this one? Do you havea basement? All right? How about

(02:18:56):
this one? How many TVs doyou own? Do you ever enter your
home through a front door or anactious me? Do you enter your home
through a front door? Or doyou enter your home through someone else's living
quarters? Do you own a radio? Now? Okay? Are you in

(02:19:26):
a house, an apartment, ora mobile home? Do you own do
you have a mortgage? Do youown outright? What is your telephone number?
Well, that's not unusual. Whatabout this sexual orientation? Yes?

(02:19:48):
Now, according to this they donot ask about sexual habits, just orientation
and how you identify as far asgender. Now it used to be just
male or female, but now theyask what were you assigned at birth?
What are you now? And someother questions. So the surveys change over

(02:20:13):
the years. They have different questionsand different demographic issues they want to deal
with. They say it's for dolingout support, government funding, for taxation,
for voting right, you know,representatives and all of that. So

(02:20:35):
it's probably and as I said,it's the number one reason people complain about
the government now that they complain alot. Taxes is another one, all
kinds of things, but the censusis universally the most complained about government thing
there is. Now, by theway, let me give this dinger for

(02:20:58):
that previous thing we had with Shopperwho gave that woman advice on having paid
for and it worked. And Brian, you want to give a shout out?
Go ahead, Brian, what's goingon with you? Brian? Hi?
Tom Heyns want to let you knowI used the troubleshooter, Liz,
I've been. I've been using it, uh since I went with Compass Insurance.
I used Matt from Paragon when Ihad a hailstorm up here in Long

(02:21:20):
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We recited it with hardyboard and Icouldn't be happier. My b me.
I gosh, man, you're you'rea walking billboard. That's great. I'm
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(02:21:41):
don't want to have any headaches,I would use the troublesoon or less.
Thank you, man, I really, no, seriously, thank you for
telling us. That'ssreferralius dot com.Of course he's talking about and we really,
we really do stand behind the people. We love them, and uh
we monitor them and it's really good. All right. Now let's go back
to some questions I have by text. Let me just continue this. I

(02:22:03):
got to refresh it and hold on. Don't forget FDR use the Census to
identify Japanese Americans and inn intern them. That's something. Now I have questions
if surveys are mandated. Let's see, no one has been fined since nineteen

(02:22:26):
seven. That's right, I broughtthat out. No one's been fined since
the seventies, since nineteen seventy three. With people's distrust and hatred of the
federal government, they probably will neverfind them again. And then it says
here, if a census or juryduty notice isn't sent via certified mail,

(02:22:48):
how does the government know you receivedit? Oh, that's a good question,
John. Do you know how jurysare? Jury notices are sent down.
They're sent out regular mail, aren'tthey They are? They are,
Yeah, and they rely upon peopleto actually obey them, you know,
call in, do their thing,do their civic duty. But I have

(02:23:13):
been told by people that it's notsince certified. They throw it right in
the trash and never give it anothermoment's thought, which is sad but truth.
Hey, John, is it truethat once you mail something first classes
insidered as being delivered? Well,there is a legal concept that you know,

(02:23:35):
a three day rule that for timecomputation. But no, a first
class mail, I don't think givesyou a certification or presumption of delivery.
All right, we have more comingup. I'm troubleshooter Tom Martino three h
three seven to one three talks sevenone three A two five five. You
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one seventy one hundred. Hi TomMartino, your troubleshooter three O three seven
to one three talk seven one threeeight two five five So uh man.
People don't like the Census, I'lltell you that. By the way,

(02:25:45):
if you had to pick from thecensus the best, they have all kinds
of information. What's the best housefor the excuse me? The best state?
Not the best, but the onewith the most and the friendliest attitude
and the most per capita tiny houses? What state? If you had to

(02:26:05):
guess one, John, what wouldyou say? Texas? Let's see,
Texas is number nine, not bad, not bad. One is Vermont.
Huh yeah, you know for tinyhouses. Number two is Kentucky, and

(02:26:28):
then Arkansas, and then Maine,Minnesota, Montana, Alabama, Georgia,
Texas, Colorado Where are we.Colorado is number wow, where the hell
number thirty five in the top fifty, probably though, because we're buying a
ton of those things for homeless people. Tiny houses, by the way,

(02:26:54):
are not all cheap, by theway, they're not. They're starting to
make some more luxurious ones for seniorsthat have money that want to retire,
some of them going to Texas andgetting their tiny house. Although Texas,
where does Texas rank here? Numbernine? Okay, that's what you say,
number nine. But there's a fewmanufacturers down there. I think that

(02:27:15):
was why I was led to believe. And these are not mobile homes.
You understand that they're tiny homes andthey're there now. Some of them are
pre fab obviously, but they're notmobile homes. They literally get put on
a slab or a foundation and they'rethey might be built off site. And
some of them are quite cute,you know. But when you think about

(02:27:35):
it, they say this might bethe trend for a lot of young people
today, tiny houses. I don'tknow if I like that or not.
What do you think? Okay?I was just looking at something else and
happen to notice this trend. Andright now the number one searched thing is

(02:27:56):
Jennifer Aniston. Apparently she had alot to say about jd Vance. Why
the hell anybody cares? I don'tknow. The next one was this Washington
d C. Attack on this woman. God was how ruthless This single mom
was attacked by a group of teenagersin Washington, d C. I don't

(02:28:20):
know if you've heard about it,but that was search number two after Jennifer
Aniston, and she says the teensliterally were giddy, they were enjoying it
so much, just beating the hellout of her. I mean, sometimes
it's hard to believe that this isgoing on park Fire's next Jasper Fire.

(02:28:41):
A lot of people are doing that. Yesterday, of course, it was
the speech that Biden gave from theWhite House, and then it was net
and Yahoo and all of that youwould expect. However, Harris doesn't appear
in the top twenty five searches.What is that tell you? Since you
in that crazy have you have youseen all the crazy stuff that's that's out

(02:29:05):
there about Biden's speech? I meanthere are people that are dissecting that thing
like crazy. I mean, yeah, zoomed in on his Dodger to say
that the watch had the wrong timeand all this weird crazy stuff. It's
just I don't know how people havethat much time on their hands, you
know. Anyway, I don't knoweither, And I do think he's kind

(02:29:28):
of being picked on now, Imean he really is. I mean,
you know, but but the guywon't lay off. I mean, I
swear to God. Every single speechhe makes he warns us about dictators and
kings and our democracy. You know, people sometimes when they get old,

(02:29:48):
they just have a little talk trackin their mind and and they just say
the same stuff over. Those arethe talking points they got, you know.
We I mean, apparently America isgoing away if Democrats don't win.
But anyway, I just thought i'dlet you know that. But it's gonna
go and we're gonna have a dictator, so I think that. Wow.
Anyway, I'm Tom Martino. Welcometo the show. I want you to

(02:30:11):
tune into UH referrals dot com forhelp Information Referrals and then call three oh
three Martino to get in line fora show. Seriously, three oh three
six two seven eight four six sixfor help and you can call it anytime
and then we'll get you on thenext show. Guess three oh three Martino,

(02:30:31):
Thanks John for being here. Saveall your problems for me right now.
Follow Tom Martino at Real Tom Martino, and stay connected with all of
us at six thirty k kayhow dotcom and on the iHeartRadio app. This
is Denver's talkstation, six thirty khowse