The Troubleshooter 9-5-24

Episode Transcript

Speaker 1 (00:00):
The Shooter's gonna help.

Speaker 2 (00:02):
Come man, this is the Troubleshooter Show. No Tom Martino, Hey.

Speaker 3 (00:09):
Tom Martino here, Welcome to the only show if it's
kind of anywhere in the universe where we are solving problems,
answering questions, taking complaints, making life just a little easier.
A record setting forty five years on the air, the
same show, still on the air, stame host.

Speaker 4 (00:24):
Who the hell knows how long we're gonna do it?
But what's the alternative? Golf? Come on, people? You know
I think about myself. I think about what I'd be
doing if I wasn't doing radio. What the hell? I
don't know if I'd be up to any good.

Speaker 3 (00:38):
I like fun, but you know, when you really love
your work, there's really no differentia, a differentiation too fun
and all of that.

Speaker 4 (00:49):
Hey, what's on your mind? And how can we help you?

Speaker 3 (00:52):
I asked that every single day, And what I was
alluding to before was a master in the art of
living draws no sharp distinction between his work and his play,
his labor and his leisure, his mind and his body,

(01:15):
his education and his recreation.

Speaker 4 (01:18):
He hardly knows which is which.

Speaker 3 (01:23):
He simply pursues his vision of excellence through whatever he's
doing and leaves others to determine whether he's working or playing.

Speaker 4 (01:35):
Now, I read that to somebody one time, and they said,
and by the way, if you see the white chat here,
I have my buddy with me, Mark kunkled with probid
energy dot com and other entrepreneurial pursuits. But anyway, somebody
said to me Mark and companies listening, They said, I
don't agree where that. I want to have my leisure time.

(01:58):
I want my down time, and then you know, and
then I want my work time. And I but I said,
I'm not disagreeing with that.

Speaker 3 (02:07):
What I'm saying is if you make no distinctions and
you enjoy stuff and pursue passions, there there really isn't
much of a distinction.

Speaker 4 (02:18):
And I really mean that. Oh come on, every once
in a while you might say I don't want to
get up today, I don't want to do this, I
don't want to do that.

Speaker 3 (02:25):
But in reality, I think people can tell when people
love what they're doing. Now I have a text here
that just says, Tom, yes it's me. Because people can't
believe I gave out my personal Google number, which forwards
to my cell phone, and here it is seven four
seven nine nine eighty. That's my person that's forwarded to myself.

(02:50):
So I get these texts, and I've been solving a
lot of problems off the air, so or getting you
on the air. Now, Carrie, welcome to the show. You're
on with Mark.

Speaker 4 (03:01):
And Tom and and since Mark's a smart fella or
a fart smeller whatever, a far smart fella, I'm going
to ask him the chime in on other stuff. But yeah,
you said you might have come across a scam. I
think you you wanted to talk about this. Are you
the one that called toward the end yesterday? But anyway,
what is this scam? You? What is this scam you

(03:22):
think you came across?

Speaker 5 (03:23):
Carry Well, I'm just asking your advice. I saw a
bill from a company called Transworld Systems, Inc. For a
bill with T Mobile phone?

Speaker 4 (03:36):
Now what is what is trans World What is it system?

Speaker 5 (03:41):
I don't have any idea, Okay, he says, trans World
system Inc. Is the collection company?

Speaker 3 (03:47):
Now is it system Singular? Oh that's a collection agency? Okay,
So in the trans World system and what are they
collecting for.

Speaker 6 (03:58):
T Mobile?

Speaker 4 (04:00):
Now? What do they say you owe for?

Speaker 5 (04:03):
Doesn't but how do.

Speaker 3 (04:05):
You know Okay, wait, wait, wait, wait, you know it's
for T Mobile, so it must be they must say something.

Speaker 6 (04:12):
Nope.

Speaker 5 (04:12):
It gives an account number, says I own three.

Speaker 4 (04:16):
Does it say T Mobile? Does it say T Mobile? Yes?

Speaker 5 (04:21):
You okay had and T Mobile account and it gives
an account number.

Speaker 4 (04:27):
Okay. Does it say does it say when you had
the account?

Speaker 2 (04:31):
No?

Speaker 7 (04:32):
Did you have the account?

Speaker 4 (04:34):
No, You've never had a T Mobile account?

Speaker 6 (04:39):
Nope.

Speaker 5 (04:39):
I've been with three companies in my lifetime, right, so why.

Speaker 3 (04:43):
Don't you just throw that notice out? It's called a
shotgun approach. That's what it's called a shotgun approach. They
have somebody with a similar name.

Speaker 4 (04:53):
Possibly.

Speaker 3 (04:54):
No one can collect anything from you until they take
you to court, so the own So if they ever
serve you to go to court, you show up and
say it's not me.

Speaker 4 (05:04):
I mean, if you're confident you never had it, forget it.

Speaker 3 (05:07):
I would not even waste I don't even waste a
breath on this stuff. When people tell me I've gotten
notices like that where they either got me mixed up
or they're trying to resurrect something that was in my
past that I don't even remember.

Speaker 4 (05:20):
I said, you know what, take me to court.

Speaker 3 (05:22):
That's what I say, Yeah, because if I legitimately, if
I legitimately owe something, I'm going to pay it. Now,
let me tell people some of the other possibilities. When
you get notices and it lacks detail. Thank you for
calling carry, I would throw it away. Now here are some.

Speaker 4 (05:44):
Of the possibilities.

Speaker 3 (05:47):
The collectors sometimes go into a company and they say,
I'm going to buy your collectibles.

Speaker 6 (05:55):
Now.

Speaker 3 (05:56):
They pay pretty good money for things thirty days past due,
so sometimes people don't sell those. Then they pay less
money for sixty days, and even less money for ninety
days or one hundred and twenty days or a year
or two years. When it goes up to three and
four and five, they pay less. And then when they

(06:17):
buy a bundle of collectibles, they then have the authority
to collect or maybe they do right if they do
it properly. But really what happens is this is really
important that you know this. They are also getting stuff
that's six years old and older, and they get that

(06:38):
like free.

Speaker 4 (06:38):
They just give them everything.

Speaker 3 (06:41):
Now, this company will put some lackeys on the six
years and older and had them send out notices. And
what they say is Hey, you had a bill and
you owe us money.

Speaker 4 (06:56):
Technically, you still owe them money.

Speaker 3 (06:58):
Technically, though in Colorado and many other states, depending on
the state, six years is the cutoff forgetting a judgment,
so there's no legal teeth in a bill. In fact,
they virtually can't collect it. But technically you still owe it.

(07:18):
I mean, if I loaned you one hundred dollars and
six years went by, you still owe me the money.
I couldn't do anything about it. But you still owe
me the money.

Speaker 4 (07:27):
So what do they do. They have a number of tricks.
One they can.

Speaker 3 (07:33):
Say, you know, you owe us the money. It's a
legitimate debt. Let's make it go away. Let's settle it.
Give us so much, twenty five dollars, maybe something small enough.
You might say, okay, But they don't really send you
a receipt. They just send you a receipt for payment,

(07:57):
or they say just make a payment of a few
bucks a month.

Speaker 6 (08:03):
Whatever.

Speaker 3 (08:04):
What they've done is taken an expired debt and they
converted it to an active debt. And now that six
years starts counting again, They've just tricked you. They've just
resurrected that debt. That's why it's called credit or collection ghosting.

(08:29):
So if you get old debts like that, forget them,
don't respond, don't do anything. If you get more recent debts,
make them document everything. If you think it's not you
don't respond or do anything at all.

Speaker 8 (08:45):
Well, Tom, I've got a quick a question here about
that though, because I think Tea Mobile merged with Sprint
a year or two ago, So maybe it could be
an old Sprint bill for carry here.

Speaker 4 (08:55):
Maybe could be if he had Sprint, if you had Sprint.

Speaker 3 (08:58):
Yes, yeah, that's a good point, because when companies merge,
they often take the authority to collect old debts, So.

Speaker 4 (09:09):
It could be.

Speaker 3 (09:09):
It could be, but most of the time companies don't
do that. And the reason they don't assume collectibles is
because they would have to assume pables.

Speaker 4 (09:21):
I have a new way to get out of collection, Tom,
what is that?

Speaker 9 (09:24):
Remember, guest, Today someone called about a problem with Elite Dental. Yeah, well,
he spoke to Elite Dental and about getting his medical
records and he found a new way to avoid collections.
When they called him about it, he said, you can't
collect I'm dead. So I guess the death is a
decent way to get out of collections.

Speaker 4 (09:45):
Wait, but he told him and they believed that he
was dead. No, no, no, I mean I believe if
you told me that.

Speaker 9 (09:52):
But no, he said, you can't collect I'm dead and
hung up.

Speaker 4 (09:55):
Okay, that's fun. Now, by the way, that was the
dental office said we're not releasing hold on.

Speaker 3 (10:02):
Let me tell people, we're not releasing records because you
owe us money. And I looked at the state law
and the federal and they can't do that.

Speaker 4 (10:09):
Oh yeah, I knew that. So I spoke to them
and that doc. You wouldn't know that.

Speaker 9 (10:13):
That's when they told me about his saying that he's dead.
So he's going to go pick up his record. Somehow
we got resurrected and then we'll take it from there.

Speaker 4 (10:22):
Thank you very much.

Speaker 3 (10:23):
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(11:11):
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(11:31):
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I got a text wanting to price out a Camaro
and eighty six at eighty.

Speaker 4 (11:42):
Thousand miles And uh, it's pretty interesting.

Speaker 3 (11:48):
What do you think that would go for? I can
tell them I think I know what it will go for.
I'm gonna wait to hear from you, guys. Eighty six
Chevy Camaro, pretty decent, you sent some photos. You just
texted me on my Google Voice miles eighty thousand miles.

Speaker 7 (12:07):
Wow.

Speaker 3 (12:08):
Anyway, it's seven four seven nine fifty two eighties my number.
Now we were talking to about this collection. Notice somebody
else says they got one too. I'm pretty sure they're
trying to resurrect old debt.

Speaker 4 (12:28):
But here's the point.

Speaker 3 (12:29):
Okay, you don't have to respond. If it's not your bill,
you can just ignore it. Now, people say, what about
ruining my credit? You know, people can put a credit
report on your credit report that's invalid.

Speaker 4 (12:43):
Now they risk being sued for slander of credit.

Speaker 3 (12:46):
Unfortunately that takes some legal work, but a good attorney
can get their fees on that.

Speaker 4 (12:54):
I would look into it.

Speaker 3 (12:55):
I wish I had an attorney that specializes in slander
of credit because slander of credit is something that happens
all the time. In fact, I'm going to write it
down because I'm going to post something on this. You know,
who does the most slander of credit? Who would you think?
To give me a guess here, who do you think, Mark?

(13:16):
Who do you think slanders people's credit more than anyone?

Speaker 6 (13:19):
If you had to.

Speaker 7 (13:20):
Guess medical community?

Speaker 4 (13:25):
No, No, I'll tell you who. Landlords. Now here's why landlords.

Speaker 3 (13:33):
Let's say you move out of a place and they
say you destroyed a carpet and you say.

Speaker 4 (13:43):
No, I didn't. The carpet was bad.

Speaker 3 (13:48):
So they say no, it wasn't right, and they say
you owe us. Now that's one example. Here's another example.
I'm going to give you two examples. And now in
that example, so if you don't pay it, remember there
wasn't a judgment. They didn't take you to court. They
simply put a ding on your credit. You can't rent,

(14:09):
you can't do anything, you can't even buy until you
clear it up. That's credit blackmail or slander of credit.
Now what's the next thing. Okay, we had a case,
a real case. Back in the day. Yellow cab was
a thing. I don't know if they still here. Okay, Now,
yellow cab got into an accident in a parking lot
with a woman.

Speaker 4 (14:30):
They hit her.

Speaker 3 (14:31):
According to her, they sent her a bill for fixing
the cab. Now, she was about to take them to
court because they hit her and she wanted them. She
wanted them to pay for her car. She had a
witness that said they were at fall. So here's what happened.

(14:55):
They sent her a bill. When she didn't pay the bill,
they slandered her credit, saying she didn't pay a bill.

Speaker 4 (15:02):
What bill?

Speaker 3 (15:04):
It was an accusation. It wasn't a bill, it was
a collection. It wasn't a bill. It was something that
they said she owed. They didn't prove she owed. So
what did they do? They slandered her credit. We got
that one taken care of.

Speaker 4 (15:18):
That was years ago. I think the woman's name was Linda.

Speaker 3 (15:21):
But the point is this, just because someone says you
owe money doesn't mean you owe the money. A judgment
determines if you owe the money or a contract, and
that you can prove in court. But when someone threatens
you with slander of credit, that's where I want an attorney.
We have had attorneys that they've done it from time

(15:42):
to time, but we've never had anyone consistent. And there's
so much credit blackmail going on and slander of credit
that I would love to get an attorney who would
take these cases.

Speaker 10 (15:55):
How about this Tom, I've got a son, he's at college.
We've talked about it in the It's that you know,
we've rented an apartment form and they go, don't you're
never going to get your deposits back. It's like the
landlords purposely hold the deposits and these right, I can
attest we clean that place like it was brand new.

Speaker 4 (16:13):
I know, and some landlords figure done.

Speaker 3 (16:16):
Some landlords take it almost as a transition fee right now,
if they said that, by the way, they can do
that if it's in the least. But if they call
it a security deposit, that's exactly what it is. Damage deposit,
security deposit, cleaning deposit. Sometimes it's all three of those, security, cleaning,
and damage.

Speaker 4 (16:36):
It has to be.

Speaker 3 (16:37):
Can't be normal wear and tear even Yeah, so what
do you do you take in the court? Now, each
law is different. In Colorado, you consume for triple the amount.
But if you lose, you lose.

Speaker 4 (16:46):
If you win, you win.

Speaker 3 (16:47):
But landlords, you know, and it's getting better for tenants
to a point where some landlords are selling. They don't
want to be landlords anymore because they say it's too
difficult to be a landlord.

Speaker 4 (17:00):
It's all a matter of perspective. It is difficult.

Speaker 3 (17:03):
But also a lot of renters, especially college kids and
younger people, they get taken advantage of. So it is
almost a given that your security deposit is going to
go away in many cases, and landlords have a habit
of doing it without justifying it, or they have the
same problem that they've charged the last three tenants for

(17:26):
a gash in the wall.

Speaker 4 (17:28):
I mean, that's why I'm going to tell you how
to protect yourself.

Speaker 3 (17:32):
A move in checklist, and you have a representative of
the landlord or the landlord or.

Speaker 4 (17:42):
The management company sign it.

Speaker 3 (17:43):
You tell them this is to protect both of us.
If there's a gash in the wall, you better note it.
Now there's no damage, that's not a big deal, but
you better better note damages. Then you want a move
out check Now they say just leave the keys, or
do this or do that?

Speaker 4 (18:03):
No, no, no.

Speaker 3 (18:03):
You know how many times people have left an apartment
then been notified of a problem.

Speaker 4 (18:10):
Don't you want? And in fact, in the beginning.

Speaker 3 (18:14):
You should set that out saying, look, I'm a responsible
renter and I believe in paying for what I do
and not paying for what I don't do. So what
you do is say I would like a move in
and move out checklist before I sign my lease, and make.

Speaker 4 (18:34):
It part of your agreement.

Speaker 3 (18:35):
Now, if a landlord is hesitant, you better be really careful.
If a management company says, no, we don't like that.
I mean what management company would not like that? Right
protects everyone, that's right. So you would have to have
one hell of a good reason to not do that. Now,
if they say something like this, well that's not procedure,

(18:56):
I'll go to hell. It's not procedure. It should be procedure,
you know. Uh, And or we don't do that. You know,
there's no such thing. I call that the god syndrome.
The god syndrome I used to have a sound effect.

Speaker 4 (19:11):
Anyway, don't take that. That's not true.

Speaker 3 (19:16):
You get to dictate terms and conditions just as much
as they do.

Speaker 4 (19:21):
In fact, you can remind them of that.

Speaker 3 (19:23):
Say, look, you know you don't have to do it,
but technically, if all of your contracts are one way,
they're construed against you, you might want to.

Speaker 4 (19:33):
Tell them that.

Speaker 3 (19:35):
I'm Tom Martinez three oh three seven one three talks
seven one three eight two five five.

Speaker 4 (19:40):
If you have a problem question, you can plank give
us a call.

Speaker 3 (19:43):
A lot of useful information on this station and on
this show. And by the way, one of the things
a great information. One of the items Frank Duran, the
real estate man dot com. He will tell you what
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Speaker 4 (20:01):
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(20:30):
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Speaker 11 (20:34):
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Speaker 3 (20:40):
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Speaker 4 (21:03):
Hi, Tom Rchino, your troubleshooter three all three seven one
three talk three all three seven one three eight two
five five.

Speaker 3 (21:12):
Welcome to the show, and I want to bring up
Claudia and Brad O'Brien. Brad O'Brien is a real estate
attorney real estate law firm.

Speaker 4 (21:20):
They handle everything real estate.

Speaker 3 (21:22):
We often use him as our expert olslaw dot com. Brad,
I'm finding it difficult to believe part of the story.

Speaker 4 (21:30):
No, I don't think she's lying. I just find it difficult.

Speaker 3 (21:33):
But I want to run it by you and just
get your impressions overall, and maybe.

Speaker 4 (21:37):
A reaction to this. Claudia says she bought a home,
and she bought a home, she said without how long
ago'd you buy a Claudia, That's the only thing I
didn't put down.

Speaker 12 (21:51):
I started the process February twentieth.

Speaker 4 (21:55):
In February. Okay, well when did you close?

Speaker 13 (21:59):
March?

Speaker 4 (22:00):
Okay, it's so March.

Speaker 3 (22:01):
Basically, see, you bought a home in March without she
Here's what she says, Brad, without an appraisal, without a survey,
Yet she had a home loan, which I don't understand.

Speaker 4 (22:18):
I've never heard of a lender ever ever.

Speaker 3 (22:22):
I mean, and I've done real estate out the nose,
millions of dollars in real estate and taken hundreds of
hundreds of real estate calls over the years. I've never
recalled a bank closing on a mortgage where the house
is the primary security, a first called a first date

(22:43):
of trust without an appraisal or a survey, but she
said she never got one.

Speaker 4 (22:49):
I've waved the appraisal, but you, okay, it's not up
to you to waive the appraisal.

Speaker 3 (22:58):
Here's what I mean, Claudia, you're the one at risk
with the appraisal. The lender is the one at risk
if the lender is loaning you money.

Speaker 4 (23:07):
Did you put down fifty percent on that? How much
did you put down on this house? Maybe I should
ask that to sixty five?

Speaker 3 (23:16):
On how much of a purchase you put down to
sixty five? Okay, there it is, there, it is okay.
I think I think I know why they waived. They
waived the appraisal. You put down more than fifty percent.
Maybe that's why they were they were relaxed. Maybe that's

(23:36):
why yoh so much equity. She put down more than
fifty percent on the damn thing. So I'm sorry, Claudia.
Maybe that's a factor. Before we go on with the
problem itself, I want to ask Brad, Brad, do you
think that's why the bank did not demand an appraisal
or a survey because she put down that much?

Speaker 14 (23:57):
I just I don't know, because I would think that
banks have to meet lending criteria which includes at lisa
appraisal or an improvement location certificate for the survey because
they have family, May and Freddie may have family and
Freddy you know, Sander.

Speaker 3 (24:13):
So you think they even with that, they would probably
want Yeah.

Speaker 14 (24:18):
I've never I've never heard of a bank waving an appraisal.

Speaker 4 (24:23):
On a mortgageline. They did.

Speaker 5 (24:26):
They let me.

Speaker 12 (24:28):
This is the second house I had made an offer
on and I had gone through the expenditure of you know,
the inspector, the raid on the sewer camera, all of that,
and I was having to do it again, and but no,
they let me wave it to save many I'm a
disabled senior.

Speaker 3 (24:48):
Okay again again, it doesn't matter if you wave it. Okay,
that's not what we're talking about.

Speaker 4 (24:55):
You are not in the position, Okay.

Speaker 3 (24:57):
What I mean is this is that when I I'm
loaning you money and I am taking the security as collateral,
I'm the one who cares is it worth what you're paying?

Speaker 4 (25:10):
I'm the one who cares. Is it on the lot
it says it's on? Are there any encroachments?

Speaker 3 (25:16):
Will I have a problem if I need to foreclose now?

Speaker 4 (25:21):
Possibly? Brad?

Speaker 3 (25:22):
I mean you're saying, Brad, what if it was a
private loan, maybe, I mean, it doesn't have to go
by those guidelines, right, Brad, who is your lender?

Speaker 12 (25:32):
Did you say advantage home loan?

Speaker 4 (25:35):
Advantage home loans? Was it a private loan? Do you know?

Speaker 5 (25:39):
I don't know.

Speaker 3 (25:42):
Okay, So here's the thing, right now, you still owe
money on this home, right correct?

Speaker 4 (25:49):
Okay?

Speaker 3 (25:49):
Now, she said, Now here's the real problem, Brad. And
again the reason I asked about the bank for the
appraisal and all that that would have all come up
on the survey. But she says, four weeks after moving in,
she found out she couldn't plant trees and do things
she wanted to because I believe two sides of your

(26:10):
home have a massive easement that encroach, not encroached, but
that come onto her property by.

Speaker 6 (26:17):
Twenty feet one side.

Speaker 14 (26:19):
Oh only one side twenty feet but it doesn'troach.

Speaker 4 (26:23):
It's okay, I got it, and you knew that was there.

Speaker 3 (26:28):
But the one on one side of her house is
twenty feet in from her line and it's the entire
length of the house. So she says she just found
that out four weeks after moving in, had no idea,
there was no disclosure whatsoever. There wasn't a lie about it.
They just left it.

Speaker 4 (26:48):
Blank on the disclosure sheet.

Speaker 3 (26:51):
And she says, now she's got twenty feet of easement
she can't use.

Speaker 4 (26:57):
What do you think does she have any kind of
a spread?

Speaker 14 (27:01):
What kind of an easement?

Speaker 12 (27:02):
Is it utility for electric company for them to get
their utility vehicles on if they need to.

Speaker 3 (27:10):
Because there's an overhead power line right over the easement,
so this is for any if they have to bring
in a crane or a truck or something to maintain
the line.

Speaker 14 (27:21):
Normally, this type of an easement is discoverable on a
title in survey review. This type of an easement would
have started as a easement document that's recorded in the
title history of this home. And that's something you probably
could have discovered in your due diligence before you purchased.
And then a surveyor would also plot that easement onto
a survey to show it, you know, on the drawing.

Speaker 4 (27:42):
In the absence of a cert Let's just say this.

Speaker 3 (27:45):
If she's right about no survey, and if she's right
about no requirement, no appraisal, was it her problem that
she didn't know it, or should her real estate agent,
her buyer broker should have told her or is there
any blame here?

Speaker 12 (28:01):
No, I mean I could buy one thing.

Speaker 4 (28:02):
Hold hold on, hold on, Claudia, let him answer just
my question. Then you can chime in. And where are
you going to say, Brad?

Speaker 14 (28:09):
It's the buyer's progative to do their own title and
survey review. That's part of the due diligence that buyer
needs to do. And because if a letter doesn't require
an appraisal or a survey, then sometimes that's the case
that when you sometimes you pay cash for a house
and might not get an appraisal survey, it's still on
the buyer to do that no diligence.

Speaker 15 (28:29):
And so she did?

Speaker 3 (28:30):
What if she says though that the disclosure statement that
she signed, that they signed, they had a section go ahead.

Speaker 14 (28:39):
Well, disclosure form is for conditions of the property. Uh,
this is something that that would have been disclosed probably
in the title reporting.

Speaker 3 (28:47):
Yeah, but Claudia, didn't you say there was a section
of your disclosure that talked about easements? It asks her,
what exactly does it? I've that's another thing I've never seen.
I have never seen a section on a disclosure that
talks about easements. Here's what I have seen on disclosures. Okay,

(29:09):
listen carefully. If I'm selling a property, there's a disclosure
sometimes that says have I built any structures or encroached
on any easements? But I've never seen one that asked
me are there any easements?

Speaker 4 (29:28):
So what I need to know before we go anywhere?

Speaker 3 (29:31):
What exactly does your disclosure statement that you depended on
say that you say they misled you?

Speaker 4 (29:37):
What does your disclosure statement say?

Speaker 12 (29:41):
Okay, first of all, I've gone through for selling and
purchasing of homes in California, and we may be dealing
with you know, different laws, different states, but every single
house I bought was sold, there was a section specifically
are you aware of any easement? And that was on
the disclosure form.

Speaker 3 (30:03):
I want to know the one that what you did
in California has no bearing. I need to know the
disclosure that you had here in Colorado in March. What
did it ask the seller to disclose about there anyas.

Speaker 4 (30:20):
Asked, are there any easements that you know about?

Speaker 12 (30:24):
Yes?

Speaker 4 (30:25):
I have? And did they answer incorrectly? Correct?

Speaker 12 (30:30):
They just left it blank. And there were two people
responsible for signing the documents. It started out mother and
daughter Okay, Claudia.

Speaker 4 (30:40):
I get it, Claudia. So there was a yes on
the easement.

Speaker 3 (30:43):
There was a yes, a no, and a don't know,
and they left all of them blank.

Speaker 6 (30:48):
Is that right? Correct?

Speaker 12 (30:49):
It was just are you aware of any easements on
your property kind of a statement, and it was it was.

Speaker 3 (30:59):
I'm going to let Brad, are you aware of that
kind of disclosure?

Speaker 14 (31:03):
Yes, I'm looking at the current standards, okay, for seller
disclosures it says unrecorded easements, and yes, it is the
place where the cellar would disclose an unrecorded easement because
it's not going to show up on the title report.

Speaker 3 (31:17):
But this one that she's talking about is for sure
a recorded easement, which means she would have the discoverability
right now only.

Speaker 14 (31:26):
Have a utility that's going to be shopping the recorded
title history.

Speaker 3 (31:30):
So if she came to you and said, if everything
she's saying is true, and they and it said recorded easement,
unrecorded easement, she left it blank.

Speaker 4 (31:39):
This one is a recorded easement.

Speaker 3 (31:41):
And if it's a recorded easement, legally recorded, and Claudia
did not discover it, she would not you're saying, under
these conditions, she would not have a case against anyone.

Speaker 14 (31:53):
Yeah, that's true.

Speaker 9 (31:55):
Hey, Brad, where does the title company fit in all
of this?

Speaker 4 (31:59):
Nowhere? She didn't get title insurance? All bet? Did you
get title insurance, Claudia?

Speaker 13 (32:05):
I did?

Speaker 12 (32:06):
I did, And I already had a real estate attorney
in Colorado Springs, real estate attorney of thirty years. He
spent a whole hour looking over the documents, and the
title company had put a monkey clause in there.

Speaker 4 (32:21):
Hold on, hold on, hold on, hold on.

Speaker 3 (32:23):
That sounds like an attorney trying to appease you, a
murky clause.

Speaker 4 (32:26):
Okay, here's what I'm asking. Okay, because I.

Speaker 3 (32:29):
Know you're trying to couch this in words that will
make it sound like you were screwed.

Speaker 4 (32:34):
But what I want to know is this.

Speaker 3 (32:36):
Did the title insurance policy make an exception for recorded easements?

Speaker 5 (32:41):
No, they just didn't list it.

Speaker 12 (32:44):
They It was as if they were saying they didn't
know there was an easement.

Speaker 4 (32:49):
Oh I doubt it every single time. Okay, can you
send me a copy of your title commitment?

Speaker 16 (32:58):
Yeah?

Speaker 4 (32:59):
What did your attorney mean that there was a murky clause?

Speaker 12 (33:04):
Well, they basically said if they listed like ten things.

Speaker 3 (33:08):
All right, I got to take a break we'll come
right back, Brad O'Brien if you could stick with us,
or maybe we call you back after the break. In fact, Claudia, listen,
I really want to explore this, and again, the reason
I'm giving you a hard time is because.

Speaker 11 (33:20):
You'd have either you have a case.

Speaker 3 (33:21):
Oring you don't, and I'm not giving you near a
hard time as someone else will on the other side.

Speaker 4 (33:27):
More coming up.

Speaker 3 (33:34):
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seven to one help. You'll think you're his only customer

(33:56):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino,
your troubleshooter three O three seven one three eight two
five five. Brad O'Brien, I want to I want to

(34:17):
ask you straight up on this deal. Would a title
commitment list easements?

Speaker 6 (34:25):
Yeah?

Speaker 14 (34:25):
Normally time company lists recorded these miss under the exceptions.

Speaker 3 (34:29):
Okay, so I'm going to see if it does or not,
and I thank you for your expertise.

Speaker 4 (34:34):
Olslaw dot com.

Speaker 3 (34:35):
Seven two zero three seven zero seventy three eighty eight.
We're going to see you if Claudia was screwed. Did
they leave that out of a title commitment? Did she
have no idea it was her responsibility. We'll check it out.

Speaker 4 (34:46):
Coming up. I'm going to have her email me that commitment.

Speaker 3 (34:49):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven one help. You'll think you're his only customer when

(35:11):
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two.

Speaker 1 (35:20):
Yeah, Rita, you need advice who you don't have? Come
run in just as fast as we can. Shooter's gonna help.

Speaker 12 (35:37):
Come.

Speaker 2 (35:38):
Man Dix is the Troubleshooter Show. Now Tom Martino.

Speaker 3 (35:45):
Hi, Tom Martino here, Welcome to the show. Three all
three seven one three talk three all three seven one
three eight two five five. What is going on in
your life? This hour brought to you by Compass Insurance.
For your insurance check. Make sure you're not paying too much,
you're not under insured or possibly if you have a
great deal, they'll tell you three h three nine nine

(36:06):
six nine thousand, noe ball. They'll tell you one way
or the other three oh three nine nine six nine thousand.
I got pro bid energy with me about solar where
I do have some questions on that, but we also
have another interesting case.

Speaker 4 (36:18):
And I want to make a note.

Speaker 3 (36:20):
A lot of times people call and I played Devil's advocate.
They think that some people think that I'm taking a
stance against them. What I'm doing is putting up objections.
They're going to hear.

Speaker 4 (36:31):
More than not more than not.

Speaker 3 (36:35):
If I hear flaw in the argument, or I don't
think it's worth pursuing, it usually isn't. However, there have
been times where I'm dead wrong and they go on
to have success where I wasn't willing to help that
happens very rarely and almost never when our experts agree

(36:56):
with me.

Speaker 4 (36:57):
So if I have an opinion and my autox has an.

Speaker 3 (37:00):
Opinion that agrees, or an attorney or a doctor or
some kind of expert agrees an accountant, then usually that's
etched in stone. Usually, But Claudia believe she was screwed
in a real estate deal because she was unaware of
an easement running the length of her property, coming in

(37:23):
about twenty feet where she can't plant anything. So she's figuring, man,
that's a large part of my property. I can't plant
or do anything on now. Still her property technically, but
it's an easement. It has to be open for utility
vehicles to gain access to an overhead power line. Here's

(37:44):
the problem. She said she was unaware of it. Our attorney,
Brad O'Brien O'Brien Legal Services, who does real estate, says
it's up to consumers to know the condition of a property.

Speaker 4 (37:56):
Now there are disclosure statements and.

Speaker 3 (38:00):
People cannot make false claims on a disclosure statement. She said, well,
there was one about easeman she left blank, but it
wasn't about recorded easements. It says, are you aware of
any un recorded easements, and the woman left it blank,

(38:21):
so unrecorded would not apply.

Speaker 4 (38:23):
This was a recorded easement.

Speaker 3 (38:26):
So I said, all right, where would she find that out?
She would find that out in a survey or an appraisal.
She said, my lender did not require an appraisal.

Speaker 4 (38:41):
My lender did not require a survey.

Speaker 3 (38:46):
Now we find that almost impossible to believe, because both
Brad O'Brien and myself have never seen a case where
lenders have waived those. But again she said no, she
never got an appraisal and never got a survey. So
that's good if that's true. So now we go to
the next thing. What about title insurance. I don't think

(39:09):
any lender would waive title insurance. She said, you're right,
I have title insurance. And I said, does the title
insurance mention that easement?

Speaker 4 (39:19):
And she said no.

Speaker 3 (39:21):
But she said she saw a real estate attorney and
there was a murky clause in there.

Speaker 4 (39:27):
And I said, well, what does that mean?

Speaker 3 (39:29):
So if there was a clause in there in any
way relating to that easement, that could be construed as notice.
But just so you know, no one has to tell
you about easement's. So I asked her to send me

(39:50):
that title commitment because she swears that it does not
contain any.

Speaker 4 (39:56):
Disclosure about that easement.

Speaker 3 (39:59):
Again, state attorney said that would be highly unlikely, and actually,
if they did miss it and it's recorded, she will
have a good case.

Speaker 4 (40:08):
She would.

Speaker 3 (40:09):
That's why they make exceptions in the title commitment.

Speaker 4 (40:13):
What is title insurance Do you know what it is?

Speaker 3 (40:16):
It's insurance that says you have clear title to what
you're buying, subject to recorded lians, meaning your loan or
any recorded document at the time they make the commitment.
So that means they're ensuring you except for exceptions that

(40:38):
are recorded like lians, the loan on your house, any
mechanics leans that are recorded, or any easements. If they
miss an easement or a mechanics lean, if they miss it,
they owe you for it.

Speaker 4 (40:56):
So really, what title insurance insures.

Speaker 3 (41:00):
Is not your title. It ensures their search of your title.
That's technically what title insurance covers.

Speaker 4 (41:14):
Hey, Tom, that happened.

Speaker 3 (41:15):
Title insurance. Wait one second. Title insurance says, we did
a search. Here are the recorded exceptions, and we guarantee those.
That is what they're saying, we guarantee everything that's not accepted.
They're guaranteeing their search is accurate.

Speaker 4 (41:35):
They're not guaranteeing your title. What were you going to say, doctor, Well.

Speaker 9 (41:39):
When when I bought a property to build a house on,
there was a powerligne went right through the middle of
the property that was never recorded, and the title company
paid to have the power line rerouted along the problem.

Speaker 4 (41:53):
They didn't have to probably didn't have to. They didn't
have to. That was a good title company.

Speaker 3 (41:58):
They did not have to because because the title company
only ensures everything, that is, they ensure everything not accepted
by recorded leans. They do not ensure anything unrecorded. They
only ensure what they missed.

Speaker 4 (42:16):
That's all. They ensure what they missed. Did they miss.

Speaker 3 (42:22):
An unrecorded easement where a power line went through? If
it was unrecorded, then they did not have to address it.
My guest, doc not to get in the weeds with you.
My guess is it was recorded somewhere.

Speaker 4 (42:37):
And they missed it. That's why what happened, Tom. But
that's problem. That's good.

Speaker 3 (42:43):
That's a good title company. So in any case, here's
the deal. I'll bet you she doesn't send me the
title policy, and I'll bet you did she hang on, Yeah.

Speaker 17 (42:54):
Yeah, so she actually did send you. If you check
your email, that's a wonderful emails in there.

Speaker 4 (43:01):
But I'm hoping she has a case here there.

Speaker 17 (43:04):
I'm hoping there are some documents that are missing because
she claims that she does not have ownership of them.
Their e documents on a PDF and they were basically
taken out of her email spontaneously.

Speaker 4 (43:19):
What is she talking about?

Speaker 3 (43:21):
So she's saying that she does not have she does
not have the complete title commitment.

Speaker 17 (43:28):
She sent me three emails, which you have in your
inbox right now, and that is what she has. She
already has emailed the realtor who owns quote unquote the
documents to get copies of those as well if you
need them. So she's working on that off.

Speaker 4 (43:46):
All I need is this.

Speaker 3 (43:47):
I just need what's called the title commitment. That's all
I need, the title commitment.

Speaker 4 (43:53):
That's it.

Speaker 3 (43:55):
In the title commitment, She's already has many exceptions that
are referred to numbers and who knows.

Speaker 4 (44:02):
It just says.

Speaker 3 (44:03):
It just said that there are all of these exceptions.
It says exception number number one through four, exception number
five except but but I don't.

Speaker 4 (44:17):
Know what those exceptions are. And it's funny to me.
Let's see. Okay, here's what it says.

Speaker 3 (44:24):
Here are the exceptions, easements, leans encumbrances not shown on
public records. Do you understand what it says not shown
on public records? Okay, any encroachments coming to violation, blah
blah blah versus.

Speaker 4 (44:41):
So they're saying they can't They can't.

Speaker 3 (44:44):
That that's obvious. They can't ensure anything that's not recorded.
But let's see if they have the easement on here.

Speaker 4 (44:54):
Uh, yes they have.

Speaker 3 (44:57):
They have easements on here, specific ones, so I can't
tell which one is that utilitiesman, but they certainly have
a number of easements recorded on here. I just think, unfortunately,
she's dead wrong. She's just dead wrong. It was on
her title commitment. Here's what I hate about attorneys. Okay,

(45:20):
I like attorneys for the most part because we deal
with attorneys, But some of.

Speaker 4 (45:25):
Them are liars.

Speaker 3 (45:27):
Why do they lie when they don't want to take
a case.

Speaker 4 (45:32):
They should just tell someone why?

Speaker 3 (45:35):
Instead they often lie as well, you have a good case,
but or this clause is murky. I think you'll win. Well,
why aren't you taking the case. Well, I'm kind of loaded.

Speaker 4 (45:47):
Up right now.

Speaker 3 (45:49):
If an attorney ever tells you they're too busy for
your case.

Speaker 4 (45:53):
Here's what they're saying.

Speaker 3 (45:54):
Okay, their mouth is saying we are too busy for
your case, but inside their head they're saying this is
not a good case.

Speaker 4 (46:04):
Go away.

Speaker 3 (46:06):
Just remember that, please, because it's just the truth. And
all your attorneys out there right now are nodding your heads.

Speaker 4 (46:13):
Yes, you're all nodding your heads. Yes, Joanne. What's going
on with your extended warranty?

Speaker 5 (46:21):
Hi?

Speaker 18 (46:21):
Tom, taking my call. I'm just curious. I bought a
new Subaru.

Speaker 5 (46:30):
It has all the bells and whistles and.

Speaker 18 (46:32):
All kinds of electronics. What models it's on it it's
a touring.

Speaker 4 (46:40):
Nice car, Thank you. I like what's going on? What's
going on?

Speaker 13 (46:46):
Well, I'm just curious.

Speaker 18 (46:49):
They're pushing me to buy the extended warranty, and I
just wonder, with all the added components, all the electronics
and all the dads, is it worth it to buy that?

Speaker 9 (47:02):
No?

Speaker 4 (47:02):
What? I love that question.

Speaker 3 (47:03):
If you can hang on, I'm going to answer specifically
about that car and the extended warranty. Hang on, go
with a sure thing Denver's Best roofer Excel roofing dot Com.
You don't pay a cent until you're content. Time for

(47:26):
an insurance checkup free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three all three seven to seven
to one.

Speaker 4 (47:35):
Help.

Speaker 3 (47:36):
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martine, you're a troubleshooter.

Speaker 4 (47:50):
Here's a text. Tom. You're wrong.

Speaker 3 (47:53):
About your generalization of why an attorney won't take a.

Speaker 4 (47:57):
Case again, take a case? Okay, he says again.

Speaker 3 (48:02):
I'm an attorney, and there are times when I'm too
busy and I wouldn't be able to give a new
case the time it needs.

Speaker 4 (48:12):
I'm sure John Fuller wouldn't take.

Speaker 3 (48:15):
A case if he can't give it the attention it
needs due.

Speaker 4 (48:19):
To lack of time.

Speaker 3 (48:21):
I agree that sometimes attorneys don't take cases for various reasons,
but being too busy as one of them.

Speaker 4 (48:27):
Okay.

Speaker 3 (48:29):
I believe my generalization is correct, and that there are
exceptions when somebody is truly too busy.

Speaker 4 (48:39):
But even John Fuller or any personal injury attorney.

Speaker 3 (48:43):
If there's a ten million dollar case staring him in
the face and there's another one that's obviously obviously not
going to reach the threshold of one hundred or two
hundred thousand, there will be a setting of priority.

Speaker 4 (48:59):
I don't care who you are.

Speaker 3 (49:00):
Okay, I'm not accusing attorneys of dropping a case.

Speaker 19 (49:04):
But come on.

Speaker 4 (49:07):
Now, Okay, you can tell me that's not true. And
I know they won't neglect anyone. I know that.

Speaker 3 (49:16):
But there are also civil cases and civil cases that
are great slam dunks with great damages, and others that
are a pain in the ass with limited damages. And
if you're an attorney listening, just come on, come clean
and be straight. I've had so many people call this

(49:39):
show with the most asinine cases in the world and
they tell me their attorney said they had a great case,
but they're too busy. Now, I imagine if all cases
are the same, they would take it based on how

(50:02):
busy they are. But don't tell me an attorney's office
wouldn't shuffle a little to get a great case on
the board. Give me a break. Three zero three seven
one three talks seven one, three, eight, two, five, five. Yes,
there are saints, but few of them have esquire at

(50:23):
the end of their name, Joanne. Let's talk about your
extended warranty. That car comes with a warranty. It comes
with a three year, thirty six thousand.

Speaker 4 (50:36):
Mile warranty, right, Chris, And it has a powertrain warranty
of five years and sixty thousand miles. Now here's what
I always ask dealers because they hate when I asked this.
What kind of a warranty were they presenting.

Speaker 12 (50:56):
To you ten year or one hundred thousand miles?

Speaker 3 (51:03):
And they also have another one that's one hundred and
twenty thousand miles, right?

Speaker 4 (51:07):
Yes, an eight year?

Speaker 3 (51:11):
Yeah, okay, So let's get to this ten year, one
hundred thousand miles right immediately, Immediately take three years off
of that and thirty six thousand miles because it's not
extending the three years. If you extended the three years
with a ten year extended warranty, how many years warranty

(51:33):
would you have?

Speaker 4 (51:35):
That would be thirteen, that's right, But you don't have thirteen,
that's right. But you won't have thirteen.

Speaker 3 (51:41):
You'll have an additional seven, and you'll have an additional
seventy thousand miles or sixty something thousand miles, right, yes,
So that's that's the first thing to take into consideration.
There is not one thing covered by an extended warranty
that your factory warranty won't cover.

Speaker 4 (52:00):
So my question is twofold or more than twofold?

Speaker 3 (52:03):
How long do you keep a car?

Speaker 8 (52:07):
This one?

Speaker 12 (52:08):
I don't plan on trade again at all.

Speaker 4 (52:12):
You want to run the wheels off it. You want
to run the wheels off it? How old are you?
I am in my seventies, okay, now you want to
run the wheels off it.

Speaker 3 (52:23):
Don't buy the extended warranty, okay, because it's not an
extended warranty. If anyone would sell me a true extended warranty,
I would buy it.

Speaker 4 (52:34):
I would. I actually would. If you tell me, do
you want to add speak? Because really the numbers are
off because you divide.

Speaker 3 (52:45):
That new warranty by ten years to see what you're
paying per year. How much do they want for that warranty?

Speaker 12 (52:54):
It's right around three thousand dollars.

Speaker 3 (52:58):
It's not a terrible price, by the way, but that's
divided by seven, so that's not divided by ten. That's
about four hundred and thirty bucks a year, or we
can break it down by the mile. Normally, an extended
warranty people buy it to extend the mileage coverage, not

(53:20):
the time coverage, because most people go above the mileage.
And there's nothing wrong with having a one hundred thousand
mile warranting, nothing at all, And you can have one.

Speaker 4 (53:30):
I'm going to explain something to you I have.

Speaker 3 (53:33):
I bought a new X seven bmw Okay, a fIF
fifty I top of the line suv, and every single
person at the dealership told me I needed an extended
warranty And I said why and they said, because it's
going to cost you. It's going to be this and

(53:55):
they're so expensive and everything goes wrong, and I said, well,
I have a factory warranty.

Speaker 4 (54:00):
So I said no.

Speaker 3 (54:03):
So I'm coming up now on the end of my warranty,
and guess what I'm getting through the mail warranty offers.
That's exactly right, I'm getting warranty offers. And the warranty
offers are exactly the same as they were when I
bought the car, except I'm getting that extra time. I'm

(54:24):
actually extending the warranty, and they're offering to take effect
on the day my other one expires, and it's from BMW.

Speaker 4 (54:34):
So people, here's what you have to understand.

Speaker 3 (54:39):
Extended warranties are nothing more than grosser uppers.

Speaker 4 (54:43):
That's all. They are increased profits.

Speaker 3 (54:47):
Nothing wrong with that, but they're not of good value.

Speaker 4 (54:52):
That's all I'm saying.

Speaker 3 (54:53):
Just like the windshield coverage, the theft protection, the.

Speaker 4 (54:57):
Mop and glow, none of that is worth any any
of it.

Speaker 3 (55:00):
You can get any one of them, including credit insurance,
which you should never get. You should simply get life insurance.
But none of that is worth the money, none of it.
The F and I, which is finance and insurance guy
or woman. They're made to gross up the sale. That's
all they're there for is to gross up the sale.

(55:22):
There is one thing I would buy. Prepaid maintenance is
a wonderful option they have.

Speaker 4 (55:26):
Okay.

Speaker 3 (55:27):
Prepaid maintenance is where you get to pay for the.

Speaker 4 (55:32):
Maintenance you know you're gonna need, you.

Speaker 3 (55:34):
Know, like the like the twelve thousand if they have
one our twenty four thousand and thirty six thousand mile checks.
Because those are sold at a discount, and the reason
they're sold at a discount, so they want to keep
you coming back. So if you're gonna be there and
go back to that dealer, it's really a go or
go back to a super.

Speaker 4 (55:50):
Dealer, depending on the one you buy. They're good deals.

Speaker 3 (55:53):
Prepaid maintenance is a good idea, not an extended warranty.

Speaker 4 (55:56):
Do you know what a prepaid maintenance is? Right? They
you simply pay for maintenance. You know you're gonna need
to keep to keep the worm.

Speaker 20 (56:05):
Like oil changes, well, some of them do, some of
them don't.

Speaker 4 (56:08):
Some of them.

Speaker 3 (56:09):
I'm talking about the factory authorized and factory recommended intervals
to keep the warranty alive, you know, Like I don't
know when's the first time you bring that back at
twenty thousand, ten thousands, it's usually about ten thousan twelve.

Speaker 4 (56:23):
Thousand, whatever it is. I pay for those.

Speaker 3 (56:27):
And there's one other thing I buy, which I never
thought I would buy, but I buy.

Speaker 4 (56:32):
This is me and that's wheel protection.

Speaker 3 (56:35):
Let me explain why if you put in insurance claims
for your wheels being dinged or scratched or scraped, which,
by the way, the fancier the wheel, the more it
attracts damage.

Speaker 4 (56:47):
Okay, So.

Speaker 3 (56:50):
I'm telling you you go look at a fancy carn
of parking.

Speaker 4 (56:53):
Lot, and you'll see those wheels gunked up like hell.

Speaker 3 (56:56):
If you put in insurance claims for those, you'll be
canceled in a hard beat and you'll be paying more
for insurance than it's worth. But if you buy wheel protection,
and I didn't buy it on my Beamer the first time,
and then after that, I'd never stopped because I said,
I'm not paying fourteen hundred bucks. I'm not paying fourteen
hundred bucks. And then guess what happened. Two wheels got

(57:17):
scraped up. Two wheels cost me three thousand dollars to fix,
or no more than that thirty eight hundred bucks. And
for fourteen hundred they would have fixed them or replaced them.
So I like wheel coverage. If you have fancy wheels,
I like prepaid maintenance. I will not buy an extended
warranty until my other warranty starts running out. Okay, there,

(57:42):
you got a lot of good advice, and you have
a really nice car. By the way, Paul has a
quick comment, Go ahead, Paul, And then I got to
take a break.

Speaker 4 (57:50):
Go ahead, Paul, what's your comment?

Speaker 13 (57:52):
Hey, Tom, First of all, I didn't hear the model
with this woman owns of the silver.

Speaker 5 (57:58):
She said the trim was a tour right in here
the model?

Speaker 4 (58:01):
Did you?

Speaker 5 (58:02):
Oh?

Speaker 4 (58:02):
I thought that was the model. I'm sorry, So.

Speaker 13 (58:04):
The touring is the trim level, okay, as first of all. Secondly,
but either way, so, I've owned a bunch of Subaru's.

Speaker 6 (58:12):
Brand new.

Speaker 13 (58:15):
Twenty nineteen Ascent when they first came out. I now
own a twenty three Ascent brand new. I own a
twenty two, and I bought extended warranties on right now
two out of the three and had very good experience
with it. I so very very Paul, Paul.

Speaker 4 (58:38):
I got to take a break and I'll come right
back to you. I promise. I'm not telling you you
won't ever use an extended word. I'm telling you the
worst time to buy it is when you buy the car.
You can buy a cheaper and extend longer after the
original one runs out. There's no reason to pay for
concurrent coverage. More coming up.

Speaker 3 (59:00):
Go with a sure thing Denver's best roofer Excel roofing
dot com.

Speaker 11 (59:04):
You don't pay a cent until you're content, wait.

Speaker 3 (59:10):
Time for an insurance check up free, no obligation in
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three all three
seven to seven to one.

Speaker 4 (59:20):
Help.

Speaker 3 (59:20):
You'll think you're his only customer when you choose Frank
durand the real estate man dot Com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi, Tom Martino, you're a troubleshooter three
all three seven one three talk three oh three seven
one three eight two five five.

Speaker 4 (59:41):
All right. So I was saying that I buy extended
warranties at the end of my factory warranty. I don't
pay for concurrent coverage. I get it for cheaper than
the dealer.

Speaker 3 (59:49):
Offered it up front, So there's no reason for me
to pay for coverage I'm not using. There's not one
thing an extended warranty pays for that your factory warranty
won't pay for. So I think we're in agreement, Paul.
I like extended warranties when you buy them correctly. You
said you buy them when you buy the car, and
you've had good luck, keep going go ahead.

Speaker 13 (01:00:10):
I never said. I never said I bought them when
I'd buy the car, I said, I, oh, for the vehicles. Now,
so here's here, let's fact, when.

Speaker 3 (01:00:20):
Do you buy them, Paul, when do you buy your
extended warranty?

Speaker 13 (01:00:24):
Well, for super, first of all, it's very clear these
are manufacturer warranties. These aren't third party quarranties.

Speaker 11 (01:00:31):
That's right.

Speaker 13 (01:00:32):
I'm consuming and I'm assuming that this woman the way
she was sort of describing it, although it was briefly
described that it was in fact the sublu factory warranty.
So those are really good as warrant as extended warranties go. Secondly,
I buy them at about thirty thousands, generally at about

(01:00:53):
thirty thousand miles. But here's the downside on that, And
it happened to me with my wife's out twenty two outback,
just a couple of weeks ago.

Speaker 6 (01:01:01):
I bought it.

Speaker 13 (01:01:03):
The price went up between January of this year and
August by three hundred dollars. So, first of all, the
price is all negotiable. She played a pretty good price. Well,
depending upon the deductible for her one hundred thousand, Well

(01:01:23):
does she say she had a ten year one hundred thousand.

Speaker 3 (01:01:27):
That's the one that's the one she's considering.

Speaker 5 (01:01:30):
Yes, okay, So a couple of things.

Speaker 13 (01:01:32):
Number one, the prices do go up generally year to year,
not a lot. So it was pretty good at holding down.

Speaker 6 (01:01:39):
All their prices.

Speaker 13 (01:01:41):
But the price goes up, so you list that now
if you can negotiate a really good price near the
beginning of your purchase. Now it doesn't have to You
don't have to buy it from that dealer. You can
buy it from any dealer. I actually I'm in Denver,
and I bought my warranty extended warranty from a place
dealership in Puebla over the phone. It took me fifteen

(01:02:03):
minutes negotiate it, signed contract, the whole bit end the story,
and I gave them. I knew what the prices were
for the dealer their price, so I gave them two
three hundred dollars. I think it was over for the outback.
I bought it a ten year, one hundred and twenty thousand,
zero deductibles. So they have different deductibles. I would recommend

(01:02:26):
a zero deductible when you get it now. On my
other I would never roll it into the financing because
then you're just paying money unnecessarily, you know, interest rates,
et cetera. That's another item. Here's an item that most
super owners who bought new cars don't know that. The

(01:02:50):
factory warranty comes with wearable parts warranties for certain items.
They get free windshield wipers, they get a an align,
a free and alignment. They get brake pads, pree brake
pads service and break parts service for three years that
comes with the factory warranty. No matter when you buy

(01:03:14):
that extended warranty, it's going to be concurrent. Even if
you buy it at the end of the fact, you
have to buy it before the factory warranty runs out,
and you're get well.

Speaker 3 (01:03:25):
Paul, Paul, what you're saying. What you're saying is correct.
If you buy it before the factory warranty runs out,
the ten year warranty goes back to the in service date,
which means you're not getting the full ten years.

Speaker 13 (01:03:36):
You're right, right, no matter when you buy it, but
you have.

Speaker 4 (01:03:40):
To accept and accept accept.

Speaker 3 (01:03:43):
In my case, you don't have to buy the last
three years. You can truly buy a warranty going forward.

Speaker 4 (01:03:51):
And and and.

Speaker 3 (01:03:53):
It's so so it depends on what they offer.

Speaker 4 (01:03:56):
Now.

Speaker 3 (01:03:57):
If that's the only if super rule only all offers
warranties back to the in service date, well then you're
buying the same thing as if you bought it new.
So that would to me that defeats the whole purpose
of waiting.

Speaker 13 (01:04:10):
No, it's it's first of all, it all has to
do with dollars and risk aversion. You know what your
account Well, of course, Paul, of course it does.

Speaker 4 (01:04:19):
Of course it does.

Speaker 3 (01:04:20):
All I'm saying is this, if you buy a ten
year warranty that goes retroactively back three years or four years, okay,
you're getting You're not getting three or four years of
the ten years.

Speaker 13 (01:04:37):
Right, of course, And you should know that going in.
As long as you know it, you make your personal
financial decision.

Speaker 4 (01:04:43):
As long as you know it.

Speaker 3 (01:04:44):
There are ways that you can get a better deal
by truly extending your coverage.

Speaker 13 (01:04:52):
Not with a factory warranty.

Speaker 4 (01:04:53):
Well maybe not with Suberru.

Speaker 3 (01:04:56):
Okay, maybe not with suber Ru, but I did it
with Mercedes, and I did it would.

Speaker 13 (01:05:00):
Be that's fine, that's fine, we're talking suber I thought. Okay,
so that's that piece.

Speaker 3 (01:05:07):
Secondly, and by the way, I will say this, there
are some not all, and I don't know.

Speaker 4 (01:05:13):
I wouldn't be able.

Speaker 3 (01:05:13):
To compare them unless I knew the prices and what
they cover. But there are some third party warranties that
are not shlock.

Speaker 4 (01:05:20):
Now.

Speaker 3 (01:05:20):
I'm not talking about these stupid things we see advertised
on TV by Iced Tea and the rest of them saying,
you know, buy this, uh this whatever they call them,
these service contracts where you pay car shield and all
that crap. But there are some other extended warranties that
aren't terrible. Listen, Paul, I would love to pontificate all
day on this, but I got to take this break.

Speaker 4 (01:05:41):
We got more coming up.

Speaker 3 (01:05:48):
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Time for an insurance checkup, free obligation. In comparison, call
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seven to one help. You'll think you're his only customer

(01:06:10):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Hi Tom, Martino,
you are troubleshooter three all three seven one three talks
seven one three eight two five five. Okay, so solar,
A lot of people think the UH tax credits will

(01:06:33):
be phased out. What do you think? Let me go
to a watch I hear. What do you think, sir?
If we have probate energy with us.

Speaker 10 (01:06:41):
Yes, I don't think they're gonna be phased out. I mean,
it's an inflation Cares act as goes through.

Speaker 3 (01:06:45):
Twenty in my opinion. First of all, Democrats are in.
They'll definitely stay right.

Speaker 4 (01:06:49):
Yes, they love them, and I mean not I'm not
saying Republicans don't like solar, but definitely with the climate
agenda and all that, everyone wants solar. But how do
the Republicans feel? Do you know?

Speaker 7 (01:07:00):
Yeah, I don't really know. I mean they go I.

Speaker 4 (01:07:03):
Mean, do you think the tax credits are here to stay?

Speaker 7 (01:07:06):
I think they are. I think they are.

Speaker 3 (01:07:08):
But it wouldn't matter because if you get it while
it's they're in effect, you're going to get They're not
going to go retro on you, correct.

Speaker 10 (01:07:14):
I mean, the money is there, the funding is already
in place, it's already being dispersed to the States. So
I think it's going to stay. I hope it stays.

Speaker 4 (01:07:21):
What about the actual, the actual implemmation implementation of these grants.
Do you think we're going to see more of them
for businesses?

Speaker 7 (01:07:33):
Yeah? I hope.

Speaker 10 (01:07:34):
So those REAP grants have really now REAP is for commercial, ye,
commercial and agricultural commercial, and after that we have a
few in the queue. It's pretty exciting for these farmers
to be able to take advantage of something.

Speaker 4 (01:07:48):
So they can actually put solar up. And as as
they put put up solar, if they have an agricultural operation,
they can get a REP grant.

Speaker 7 (01:08:01):
They could apply for.

Speaker 3 (01:08:02):
One, yes, and does it have to be commercial agriculture, Yes,
it does. I don't know what qualified, right. And then
are they able to sell back to the grid.

Speaker 10 (01:08:13):
They are, But again there's RACS renewable energy credits. I
think excels paying around four cents a kill a lot.

Speaker 3 (01:08:20):
So yes, So if you're going to get it paid
for any way by the government, why not get it
paid to put in a bigger system, right? Won't they
let you go more than you need?

Speaker 7 (01:08:31):
You can't go it like seals up to two hundred percent.

Speaker 3 (01:08:33):
It's okay, So if you build something two hundred percent,
get it paid for or most of it paid for,
theoretically you could have a money maker on your hands
with very little cash outlay.

Speaker 4 (01:08:44):
Good.

Speaker 10 (01:08:45):
Yes, possibly if the roes there. Absolutely, and we're doing
commercial too, same thing. There's racs available for these commercial
buildings that have to decarbonize.

Speaker 7 (01:08:55):
They have to load their carbon footprint.

Speaker 3 (01:08:57):
And Denver, that's Denver, talk about that appropriateenergy dot com.
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 11 (01:09:08):
You don't pay a cent until you're content.

Speaker 3 (01:09:13):
Time for an insurance check up free, no obligation comparison
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 4 (01:09:39):
Rift you needed, that's who you don't have to.

Speaker 1 (01:09:47):
Runs as we can. Shooter's gonna help come.

Speaker 4 (01:09:54):
This is the Troubleshooter Show.

Speaker 3 (01:09:57):
No Toel Martinez, Hi, Tom Martin, Hi Tom Martino.

Speaker 4 (01:10:02):
Here welcome to the show.

Speaker 3 (01:10:03):
Three all three seven one three talk three all three
seven one three eight two five five here to help
you any way.

Speaker 4 (01:10:11):
We can't now listen. I want to tell you that
we have.

Speaker 3 (01:10:16):
A follow up on a very important gun discussion we
were having yesterday, not on gun rights or political stuff,
but on the way a lot of gun dealers are
doing things and anyway.

Speaker 4 (01:10:34):
Kelly, I want you to call the guy that we
had on.

Speaker 3 (01:10:38):
He's a really nice guy on a referral list, but
he was the one that gave us some information because
we need to set the record straight. There was a
lot of wrong information given and I want to talk
about it because I don't want wrong information going out
on the show.

Speaker 4 (01:10:53):
I want to bring up.

Speaker 3 (01:10:54):
Bow Deputy Bou used to be a federal firearms dealer,
and Bo, here's what happened. We were told that in
the gun industry it's standard never give a refund for
a firearm.

Speaker 4 (01:11:12):
Now I understand that, and that's fine with me. I
don't care.

Speaker 3 (01:11:14):
In fact, it's against federal law to do refunds on
firearms once they're taking delivery, and I look that up.
So we're not talking about that, though we were talking about
where people put a deposit down on a gun and
then fail the background check. We were told that most
gun dealers will keep your money if your background check

(01:11:39):
does not get approved. And I said, well, that's just
not right because I didn't purchase the gun yet. And
if I didn't purchase the gun, how can you say
it's a refund.

Speaker 4 (01:11:53):
You're not taking a gun back. I never took the gun.

Speaker 3 (01:11:58):
And some of the people that texted me and somebody
we had on the show said well, it is kind
of like.

Speaker 4 (01:12:08):
It is kind of like a refund, and I said, no,
it's not. We're not buying the gun, we're putting a
deposit down. Then he said, well, we can't even do
a background check until we have a specific gun, so
we may have to order a gun for you because
you can't do a background check without a specific serial number.

Speaker 3 (01:12:29):
So now there's two laws involved here. We have federal
law for firearms, and then we have the state Bureau
of Criminal Investigation BCI, and the background checks are controlled
by the state.

Speaker 21 (01:12:41):
Is that right, bo, Yes, I made a few calls.

Speaker 15 (01:12:47):
I talked to.

Speaker 21 (01:12:48):
A field agent who is willing to talk to me yesterday,
and the ATF has no jurisdiction or power over these
background checks. That's through the car ratt a Bureau of Investigation,
and regarding the serial numbers. This, when a gun dealer
orders a gun, they know the serial number the gun

(01:13:12):
when they order it because they're ordering it from a
manufacturer or a master distributor.

Speaker 15 (01:13:17):
So for these dealers to say, well, we don't want.

Speaker 3 (01:13:19):
Wait a minute, but do you need a serial number
to run a background check?

Speaker 21 (01:13:25):
I called the CBI this morning and no, you do not.
The background check is for the individual.

Speaker 4 (01:13:33):
And it.

Speaker 21 (01:13:35):
Is not required not required by this the CBI, they're
looking at the individual. On the federal side, the ATF
they control the serial number the gun. Now, when a
gun dealer calls into the CBI, they normally ask what
kind of gun? Is it a handgun or a rifle.
But the CBI told me they don't ask for the

(01:13:55):
serial number. But when the background check is completed, they
normally attached the background check approved to the forty four
of the federal form. So but the CBI does not
care about the serial number of the gun. They're just
trying to check the individual, which is the state law,
not the federal law.

Speaker 3 (01:14:15):
So technically, before taking a deposit on a gun. They
could simply make you pay for the background check if
they wanted to.

Speaker 21 (01:14:23):
Yes, I talked to three gun dealers this morning, and
all of them said, if you fail the background check,
you have to pay. I believe it's a fifty or
sixty dollars dollars denial fee if you fail the background check.

Speaker 15 (01:14:40):
Now, one gun.

Speaker 21 (01:14:43):
Gun shop was just quote, it's centennial. I think they're
upstanding shop. They said, if the person fails the background check,
they will if they buy the gun through the gun
shop or ordered in, they will give the customer their
money back.

Speaker 15 (01:15:00):
Now, a couple of other gun shops I talked to.

Speaker 3 (01:15:02):
Because they didn't yet buy it, because you can't.

Speaker 4 (01:15:05):
Buy it until you pass.

Speaker 21 (01:15:06):
They did not take possession of the firearm right so
if they paid for it, and if they can't take possession,
well the gun shop can't keep the gun and the
money from the individual. But Tom, there are two deals
big shops here in town that told me if a
person fails the background check that they they're going to
keep the they're going to keep they're not going to

(01:15:28):
give them the gun, of course, but they're going to
keep the purchase price. And I just don't think that's right.
And these dealers say, well, it's the law. Well, it's
not not the law. It's the business practice of a dealer.

Speaker 3 (01:15:41):
In my opinion, if a dealer takes a deposit on
a gun or payment on a gun and runs a
background check and you don't pass the background check and
they keep all of the money, they are screwing you
and defrauding you.

Speaker 4 (01:15:59):
That's my opinion.

Speaker 15 (01:16:00):
And it has nothing to do with the ATF.

Speaker 9 (01:16:02):
Law they pay caause has anybody tested that with a
credit card company? In other words, if you buy the
gun with a credit card and you don't get it,
has anyone called the credit card company and said, I
never got the item. I want you to take it
off my credit card?

Speaker 4 (01:16:20):
Uh huh, I don't know about it.

Speaker 15 (01:16:22):
Doc has a valid point.

Speaker 21 (01:16:23):
If the person goes in and pays for the deposit
or that pays for the entire gun upfront, which a
dealer is going to want to do if they have
to order it. If they pay the credit card and
they get denied on the background shit, they can contest
the credit.

Speaker 6 (01:16:38):
Yeah.

Speaker 3 (01:16:38):
Well, first of all, don't do business. Don't do business
with anyone who makes you pay for the gun and
won't refund the money if you fail the background don't
ever do it, Okay, don't ever do business with gun
dealers who do that.

Speaker 4 (01:16:53):
A gun dealer.

Speaker 3 (01:16:53):
Should take a deposit or excuse me, a gun dealer
can charge you anything they want on the hope you're
gonna pay ass and take delivery. But if you don't
take delivery, there's no way they should keep your money.

Speaker 4 (01:17:06):
No way.

Speaker 3 (01:17:06):
There's no law that says they have to. There's no
law that says it's a refund. All of that information
is wrong. It is not a purchase until you take delivery.
And that's what the and we checked with the ATF
and with the BCI. So basically, you do not need
a serial number for the background check to make it valid,
and you do not have to buy the gun to

(01:17:28):
make it valid.

Speaker 4 (01:17:29):
It's a bunch of crap.

Speaker 3 (01:17:30):
We had a dealer one time tell us a few
years ago, he went to prison. He was telling us
that you buy the gun.

Speaker 4 (01:17:38):
Okay, you buy the gun, you do the background check.

Speaker 3 (01:17:41):
If you fail the background check, since you bought the gun,
they can't give you a refund. They're going to keep it.
He went to jail. Now, not for that. But for
that and a lot of other stuff. Now here's the
bottom line. You don't buy the gun. You can't buy
the gun until you pass the background So you know,
I'm sorry gun dealers, but so once we're keeping your money.

(01:18:01):
If you fail a background check, if that has happened
to you, you have been screwed.

Speaker 4 (01:18:06):
You have been defrauded.

Speaker 3 (01:18:07):
Any dealer, anyone who sells a gun and says you
must pay for it and you're not going to get
your money back, do not do business with them.

Speaker 4 (01:18:16):
They are wrong. Okay, they are absolutely wrong.

Speaker 3 (01:18:19):
They can qualify you before they order the gun. They
don't have to order the gun first. They can first
qualify you and make sure you're in a pass then
they can order the gun, or they can do it
the other way around if they want.

Speaker 15 (01:18:34):
That's right.

Speaker 21 (01:18:35):
And Tom, I want to point out the ATF Asian
I talked to, said they get a lot of complaints
into their office about this practice, and they think the
ATF can do something about these refunds.

Speaker 15 (01:18:47):
But that is a business pres We.

Speaker 3 (01:18:48):
Need to do a class action, not a class action
because they're all different gun dealers, but we need.

Speaker 4 (01:18:53):
To do a test case.

Speaker 3 (01:18:54):
So because if anybody out there, anyone who has has
been denied a refund, I want to know anyone.

Speaker 15 (01:19:07):
I'd like to know too.

Speaker 21 (01:19:08):
And out of the three gunshops Centennial Gun Club out
here on this side of town, they're the only gun
shop that I talked to out of three that are
willing to give a refund if someone is denied on
it on the check.

Speaker 4 (01:19:20):
You mean, all the rest of them keep the money.

Speaker 21 (01:19:21):
I'm gonna tell you right up front. The Denver Gun
Room and Green Mountain Guns told me that they will
keep the money if you are denied on.

Speaker 15 (01:19:30):
The on the check.

Speaker 21 (01:19:31):
And I think the Denver Gun Room told me if
I get the night on the check that David.

Speaker 15 (01:19:37):
They would call and have me arrested.

Speaker 4 (01:19:39):
Why, I don't know.

Speaker 21 (01:19:40):
I said, Look, all I want to know is where
you refund the money. Well, if you're denied, we're just
gonna call the cops and have you arrested.

Speaker 15 (01:19:47):
I thought they were total er.

Speaker 4 (01:19:48):
Well I guess, well, no, if you lied, I guess
they could.

Speaker 3 (01:19:52):
I mean, you know, if you lied on the form.
But sometimes people don't know, they're not good.

Speaker 15 (01:19:56):
They don't know it's an innocent thing.

Speaker 21 (01:19:58):
Something could have happened and they're last twenty years ago
that they like they forgot, you're riot that called any
other day. We're chopper helped out getting his money some
harassment charge that he probably forgot right now.

Speaker 15 (01:20:11):
Now here's I want to point out.

Speaker 3 (01:20:13):
And by the way, by the way, even if you
did line your background, I mean that is that.

Speaker 4 (01:20:20):
That is a crime, but that still doesn't give them
the right to keep your money.

Speaker 15 (01:20:24):
No, absolutely not.

Speaker 7 (01:20:28):
Credit.

Speaker 10 (01:20:29):
You can be denied for a gun. So there's a
lot of reasons why you can get denied.

Speaker 7 (01:20:34):
That's not right.

Speaker 3 (01:20:36):
Wow, Okay, let's let's talk to Glade, who has a comment?

Speaker 4 (01:20:39):
Go ahead, Glade, what's your comment?

Speaker 6 (01:20:41):
Hey?

Speaker 5 (01:20:41):
Tom?

Speaker 6 (01:20:41):
Hi Tom?

Speaker 20 (01:20:42):
Hey, Hey, what I've always wondered, If you have a
CCW and you've gone through the background check, which was
much more stringent than any background check for buying a gun,
why do you need another background check every time you
buy a gun?

Speaker 4 (01:21:01):
I don't in case, in case something in case something
new came up.

Speaker 20 (01:21:06):
Well, if something new came up a restraining order, wouldn't
they come after you after you? Wouldn't they come after
your I.

Speaker 3 (01:21:14):
Have no idea that I don't know about, but I
don't mind you doing a background check every time you
buy a gun.

Speaker 4 (01:21:20):
I don't mind that. I guess well.

Speaker 20 (01:21:23):
It's I mean, there's as high as fifty dollars.

Speaker 15 (01:21:25):
Now it's a state law.

Speaker 6 (01:21:27):
Why do I need a.

Speaker 4 (01:21:28):
Fifty It's a state law.

Speaker 21 (01:21:30):
You have to do it on every gun purchase. Now,
you can go into a gun shop and order ten
firearms and you're only going to do the one background
check because it's a one time purchase for ten. But
if you go in a week later and by or
the next day and buy a firearm, that's the you're
going to be submitting another background check.

Speaker 3 (01:21:51):
All right, hold on, let me let me basically, I mean, Glade,
that's the law. I mean, I don't know why. I
really don't. Steve, what's your comment?

Speaker 4 (01:21:59):
Go ahead? Eve?

Speaker 19 (01:22:01):
I think my comment is is, so, let's let's say
you have a conceiled carry.

Speaker 6 (01:22:05):
You went through all the all.

Speaker 4 (01:22:06):
That's what this guy was just saying. Did you hear him? Yeah?

Speaker 22 (01:22:09):
Go ahead, Yeah, So you have your consil carry, You've
already you've already shown that you have no record, and
so now you look at it.

Speaker 5 (01:22:18):
As like, well, why do I need another one? I
can show you my conceal carry I've done, I've done.

Speaker 15 (01:22:23):
And Steve.

Speaker 4 (01:22:24):
The only thing I can think, the only thing I
can think of is if you leave and come back,
it's a second purchase, and the purchase has to be
a run through background. Again.

Speaker 3 (01:22:34):
Why the only reason I can say it's state law.
And why is the state law that way? Maybe in
case something happened from the last check. You know, so
from the time you got your concealed Carrie, let's say
you had another charge in between.

Speaker 7 (01:22:51):
Sure, that's why they do them.

Speaker 4 (01:22:53):
I mean, see, that could be the reason, is what
I'm saying. I'm not saying it is.

Speaker 3 (01:22:56):
I don't know enough about this, but I do know
enough to know that it didn't sound right and we
checked with the authorities, and it's wrong. You do not
have to have a gun purchase to have a background.
You can do a background before a purchase and refund
every dime to the consumer.

Speaker 4 (01:23:14):
You don't have to be out a dollar. And it's wrong.

Speaker 3 (01:23:17):
Now now I'm not talking about refunding guns when someone
takes a gun back to the gun store.

Speaker 4 (01:23:24):
That they can't.

Speaker 3 (01:23:25):
It's against federal law to refund and to take a
gun back.

Speaker 4 (01:23:29):
It is.

Speaker 3 (01:23:30):
Now you can buy a gun from someone you cannot
refund the purchase.

Speaker 4 (01:23:35):
I don't know. You can't, You're not allowed to.

Speaker 3 (01:23:38):
But you can run a background check before a gun
purchase and refund every dime to the consumer. And the
gun shops who tell you there are no refunds, they're correct,
there are no refunds on the purchase, but there is
no purchase until you pass a background So they're screwing
you if they keep your money out and out defrauding you.

Speaker 4 (01:24:01):
I'm Tom Martino. We have more coming up. I want
to tell you eight eight eight heating dot.

Speaker 3 (01:24:05):
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ACS and in fact, if you have a solar system,
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eight heating dot Com. Go with a sure thing Denver's
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Speaker 11 (01:24:24):
You don't pay a cent until you're content.

Speaker 3 (01:24:29):
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Speaker 4 (01:24:53):
I'm Tom Martino.

Speaker 3 (01:24:54):
We have probid Energy dot Com in the house with
US solar dealers and installers. And and by the way,
we've been talking about this gun situation. Let me just
sum it up real quick and then get the owner
of the gun room on because I want to hear
from owners. And I'm getting text from owners of gun
shops and also owners who say or people who say
they're federal firearms dealers, and they say, for the most

(01:25:18):
of them agree with me that some of them, here's
what they say. They do not sell a gun until
after someone passes a background check. So therefore, if they
don't pass the background check, they don't keep the money
for the gun. Some keep a deposit because they and

(01:25:41):
they call it a restocking fee because if they had
to order the gun in they now have an extra
gun in inventory they may have not had before.

Speaker 4 (01:25:51):
And I don't mind that.

Speaker 3 (01:25:52):
I do not mind if you tell someone, hey, if
you don't pass the background and I order this gun,
you're gonna have to pay restocking.

Speaker 4 (01:26:01):
I don't mind that.

Speaker 3 (01:26:02):
The problem that I have is when a gun dealer
takes your money in full for the gun plus the
background check. You fail the background check and they say
to you, you don't get a gun, and I keep
all your money.

Speaker 4 (01:26:19):
That bothers me, and that is not what federal law dictates.

Speaker 3 (01:26:26):
Federal law says you can't take a firearm back and
give refunds on firearms once the sale is consummated, but
both ATF and BCI said the sale is not consummated
until the background check has passed. So Wayne, go ahead.

(01:26:49):
I just wanted you to know what was said. And
then I think your store was mentioned.

Speaker 4 (01:26:54):
By bo Deputy Bow. He said he.

Speaker 3 (01:26:56):
Talked to three or four gun owner shops, a gunshop
on owners and I think he did mention you guys.

Speaker 6 (01:27:03):
Go ahead, Wayne, Well, thanks for having me on Tom.

Speaker 19 (01:27:07):
Yes, Wayne, Yeah, we do get the periodic denials and
because of the waiting period, we do collect full payment. Yeah,
and that includes the twelve dollars and fifty cent background
checkte and we'll put the gun in the back and
sometimes we get immediate answers from CBI. Sometimes it might
be a day, and of course we have to wait

(01:27:28):
until a fourth day to transfer the firearm due to
the three day weight. Now our sore policy and we
have a sign right behind our door is that we
have a fifty dollars denial. See and I hope you
will I understand.

Speaker 4 (01:27:42):
I understand that, I completely understand.

Speaker 19 (01:27:44):
Right, yeah, yeah, So essentially, when we take payment from customers,
it shows as a credit and their profile, and like
you said, the consummation of it is the transfer piece. Right,
A background check approval is one thing, but until they
actually reach see the firearm, it's not legally transferred.

Speaker 6 (01:28:03):
By the ATF rules.

Speaker 19 (01:28:04):
So it could be on the fourth day, could be
on the tenth day, right, just within the thirty days
that that background check is open for. But so essentially
customers get full refunds minus the sixty.

Speaker 6 (01:28:14):
Two dollars and fifty cents from the gun room.

Speaker 19 (01:28:17):
So the fifty dollars just covers our time. And then
of course that twelve dollars and fifty cents is a
hard cost from Colorado Bureau of Investigation.

Speaker 3 (01:28:25):
Good and but you don't buy it. You don't just
keep one of the gun purchase, right.

Speaker 6 (01:28:30):
Gosh no, no.

Speaker 19 (01:28:31):
In fact, I've had one bad review from the customer
because they wouldn't hold the gun for more than thirty
days because people can appeal, and we regularly get customers back.
I'll get emails. Hey, this reversal turn to approval, so
we'll call the customer. He come on in if we
still have the gun. But at that point we've refunded money,
so there's no reason to hold the gun.

Speaker 4 (01:28:52):
Okay.

Speaker 19 (01:28:53):
There has been a few situations where customers will say,
I'm going to get this overturned, keep my money, hold
the gun.

Speaker 6 (01:29:00):
Yeah.

Speaker 19 (01:29:00):
We'll do that, of course only for length of time
because we have consignment guns too. I don't want to
keep a gun on the shelf that may be transferred
and withhold the billage to sell it so that consigner
can get paid.

Speaker 3 (01:29:13):
But you do know, Wayne, there are there are gun
shop owners that keep all of the money if someone
fails the background check, even though the gun was never delivered.

Speaker 6 (01:29:26):
That's not right.

Speaker 4 (01:29:27):
I mean we're in agreement.

Speaker 19 (01:29:30):
Yes, absolutely, we are an agreement, Tom.

Speaker 4 (01:29:33):
Yeah, and I appreciate it. Thank you.

Speaker 3 (01:29:37):
And again, like I said, I think you know I'm not.
I don't think you said anything bad about your shop
at all. We were just giving the different policies of
different shops. But we have another text here of a
guy who says the cost of a background check varies
depending on the shop, because some dealers charge as little as,

(01:29:59):
let's see, thirteen bucks, some charge fifteen.

Speaker 4 (01:30:02):
I don't know is that true. How much did they.

Speaker 19 (01:30:04):
Charge stop cost from CBI is we get charged twelve
dollars and fifty cents.

Speaker 6 (01:30:11):
And I believe shops can charge whatever they want.

Speaker 4 (01:30:15):
Of course they can.

Speaker 6 (01:30:17):
Our fee is what we get charged.

Speaker 19 (01:30:18):
It's just more transparency in how we operate and do business.

Speaker 4 (01:30:24):
How long you've been in business? You know?

Speaker 19 (01:30:27):
The gun Room's been open since nineteen eighty two, and
I'm the third owner. We've been in this same location
since ninety four. It's been a kind of a staple
in Colorado. It's a it's kind of a fun shop.
I've been owner for a little over two and a
half years now.

Speaker 4 (01:30:43):
When was the biggest year for gun sales? I'm just curious.

Speaker 19 (01:30:48):
I would have to assume the COVID year. Oh really, okay,
the financials that I saw from the prior owner. But
prior to that, I haven't seen financials. I wouldn't I
would be guessing at that point.

Speaker 3 (01:31:03):
I was just curious if things affect gun sales like
presidential presidential racist election years.

Speaker 6 (01:31:10):
Do they they do?

Speaker 19 (01:31:13):
April was one of our better months since I bought
the shop, and that was there was a lot of
rhetoric in Colorado and talk of a semi automatic van
and guns did move quite a bit at a higher
clip during that month. I think that we've been building inventory.
I expect to be a bump here with the election.

(01:31:34):
I think people are kind of waiting to see where
we're gonna be, and I think for the most part,
people are struggling financially. It's been from what I've heard
from other owners, this is the slowest summer in gun
sales in Colorado and sometimes.

Speaker 3 (01:31:50):
But I want to clarify too what I read about
federal law. Once they take that gun and walk out
the store, there is no refund on that right.

Speaker 6 (01:31:59):
That is correct.

Speaker 19 (01:32:00):
All sales are final, and you find that very consistent
in the industry, whether it's a brand new gun or
a used gun.

Speaker 6 (01:32:06):
There's no warranty.

Speaker 19 (01:32:08):
Is brand new guns, if there's a problem, they say, well,
call Ruger or call whoever in the MANUFA.

Speaker 4 (01:32:14):
Now if they're if some good, go ahead. If someone
wants to sell a gun, though they want to get
rid of a gun, can they take it in? And
can you buy a gun.

Speaker 19 (01:32:25):
As an FFL. We can buy guns consigned guns, but
you can't sell them to individuals they have that has
to be transferred through an FFL.

Speaker 3 (01:32:34):
Okay, thank you very much. We really appreciated the gun
room owner.

Speaker 4 (01:32:38):
We got more coming up.

Speaker 3 (01:32:44):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
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(01:33:06):
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi Tom Martino, your
troubleshooter three O three seven one three talk three O
three seven one three eight two five five. Let me

(01:33:29):
go back to the phones for having a very spirited
discussion on UH gun purchases The right way the wrong way.
Richard has a comment. Go ahead, Richard, Richard, is he
still on or not. If not, I'll go on to
someone else. Oh he's gone. Okay, Richard, you got to

(01:33:51):
hang out, bro. It takes a little while to get
to you. I'm gonna go to Ron about his apartment.

Speaker 4 (01:33:55):
Him. Ron, what's going on?

Speaker 6 (01:33:56):
RONI? How you doing?

Speaker 23 (01:33:58):
Tom?

Speaker 4 (01:33:59):
What's going on on?

Speaker 22 (01:34:02):
I just moved into an apartment. They end of sept
Timber and the ahv AC unit on the ceiling started leaking,
and I of court was called the maintenance and the landlord.
They had maintenance come look at it. They replaced the
whole unit. They started leaking again.

Speaker 4 (01:34:21):
Wait a minute, it was leaking. Where where where's it
leaking from.

Speaker 22 (01:34:25):
It's one of these ceiling units that's the central air
and heating, And that.

Speaker 3 (01:34:29):
Doesn't make sense if they replaced the whole unit, so
it wasn't leaking and the unit's probably leaking from one
of the condensation lines or something.

Speaker 22 (01:34:38):
Yeah, they checked it. They called in. I guess they
have a third party vendor. They worked through. They took
the whole unit out and replaced it or replaced something
to do with the coal.

Speaker 4 (01:34:47):
The way it's how bad is the water coming into
your place?

Speaker 16 (01:34:51):
Well, the last flood was August twenty eighth.

Speaker 4 (01:34:53):
Way, wait, whoa, whoa, whoa.

Speaker 3 (01:34:54):
Woh, you use the word you use the word flood.
My god, acs don't have that much water. What do
you mean flood?

Speaker 22 (01:35:04):
Some kind of way to have this wired from the
hot water heater up to the wait wait.

Speaker 4 (01:35:08):
Wait, you don't.

Speaker 6 (01:35:09):
You don't.

Speaker 4 (01:35:10):
You don't put water into an air conditioner.

Speaker 22 (01:35:14):
Yeah, Tom, I can't explain how they have it wired up.

Speaker 3 (01:35:17):
But well they don't have it first of all. Okay,
I don't know how they have it plumbed. But nothing
in an AC takes water.

Speaker 4 (01:35:25):
Nothing.

Speaker 7 (01:35:25):
Is it a mini split heat pump that wouldn't take water?

Speaker 3 (01:35:30):
They you know, when you said flood, you had water
come into your apartment water water, and the water's coming
Hold on, the water's coming from your ceiling. Yeah, And
why are you thinking it's coming from the AC.

Speaker 22 (01:35:54):
Because when I turned the AC on at night, when
I was turning the central air on, it was dripping
on the floor. And I told him about that. The
main is He said it was condensation is the.

Speaker 4 (01:36:07):
Well, hold on, hold on.

Speaker 3 (01:36:09):
The condensation would leak, but it wouldn't flood.

Speaker 6 (01:36:13):
It wouldn't flood.

Speaker 4 (01:36:15):
No. No, And by the way, an attic unit.

Speaker 10 (01:36:17):
Wouldn't the case if the pans plugged up or something,
you know, the some water comes out and it drains
into a drain or it drains outside.

Speaker 7 (01:36:26):
If that pant's plugged up, it could leak. But I don't.

Speaker 4 (01:36:30):
But what did you mean? What did you mean by
hot water?

Speaker 22 (01:36:35):
When I came home, because I was gone all day
at work, I came home, the neighbor said her there
was water coming from my floor to her unit. I
went upstairs by went by unit and it was flood
like two inches of water.

Speaker 6 (01:36:50):
It broke up top.

Speaker 4 (01:36:52):
That's not bro That is not an air conditioner condenser.

Speaker 8 (01:36:55):
Are you sure you're not talking about like a swamp cooler.

Speaker 22 (01:36:59):
No, No, it's it's apartment with the central hair and
he says, they said it runs all through that up
top there. It's all connected up top above us.

Speaker 6 (01:37:10):
So it's central air.

Speaker 3 (01:37:11):
You now you're listen, you're not You're not getting the
right information. I mean, Ron, you know, first of all,
any AC unit that would drip would be outside.

Speaker 4 (01:37:25):
I mean, there's nothing to drip, there's nothing. I need
to call one of our people. We need to call
one of our experts.

Speaker 3 (01:37:32):
We're either going to call fix it twenty four to
seven plumb line or eight eight eight heating call either
call anyone who has any idea about this AC.

Speaker 4 (01:37:44):
I mean we got to get an expert on. And
in any case, let's say we get our expert on.

Speaker 3 (01:37:49):
What are you asking? Do you want to know what's
going on? Or are you just complaining because they're not
fixing it? What's the issue?

Speaker 22 (01:37:58):
Well, the last update they had a car market, a
restoration company come in, dry the place out, and yesterday
take something on my door saying I owe them fifteen
hundred dollars.

Speaker 3 (01:38:09):
Oh wait, wait, wait, wait wait, now hold on, Ron,
why are they charging you that money?

Speaker 22 (01:38:16):
Well, they're saying it looks like the notes are saying
even though shows in the notes I turned the hot
water heater lever off to stop the water, they said
that I had a A on the wrong temperature and
it triggered something in that unit to go off hot.

Speaker 3 (01:38:31):
Right wait wait wait, wait wait wait, your hot water
tank has nothing to do with the AC. I mean,
first of all, I see Ron, you got we are
we are driving blind here. You turned off the hot
water meaning what what did you turn off? Did you
turn off the supply to your hot water to going

(01:38:54):
into your water heater or coming out of your water heater.

Speaker 22 (01:39:00):
Well, the best I can explain it from my knowledge,
when I came into my apartment, it was flooding and
it was pouring out of the top ceiling where they
have this type going into this I guess it is
since joyer and heat, and I pulled the lever down
in the that's connected to the hot water heater and
it stopped the water from coming out.

Speaker 4 (01:39:19):
Well, then I'm kind I have no idea what you're talking.

Speaker 3 (01:39:23):
Honest to God, Ron, I don't have any idea what
you're talking about. So if you're claiming you don't owe
the money because you didn't do the damage, I agree
with you. But if you did do the damage, you
would owe the money. But I need to know what
I don't even know what's going on, I mean, honest
to God, I mean, from what you're telling me, you

(01:39:44):
saw water coming from the ceiling. And how do you
know the lever that you pulled is on your water heater?
Is your water heater in the ceiling?

Speaker 22 (01:39:54):
Now the water heater is in a little closet because
they put it.

Speaker 3 (01:39:58):
In and you and you wait and you pulled and
you and you turned off the water heater in the closet.

Speaker 4 (01:40:09):
Yes, and it stopped the leak in the ceiling.

Speaker 3 (01:40:14):
Sure did, yes, But it had nothing to do with
your air conditioner.

Speaker 4 (01:40:18):
I promise you. Do you have hot water heat?

Speaker 6 (01:40:25):
Nothing works?

Speaker 22 (01:40:26):
Now, there's no heat.

Speaker 4 (01:40:27):
No, no, I'm.

Speaker 3 (01:40:29):
Asking what kind of heat do you have in your apartment?

Speaker 6 (01:40:36):
It's what look?

Speaker 10 (01:40:39):
Is it forced air? Do you have vents with where
the heat comes through the vents?

Speaker 23 (01:40:44):
Yeah?

Speaker 6 (01:40:45):
Okay, the apartment building.

Speaker 3 (01:40:47):
Okay, I don't understand. Does each apartment have a water heater?

Speaker 22 (01:40:54):
I assume now, Ron, Ron, I hate telling you this.

Speaker 3 (01:41:00):
We can't help you until somebody actually goes to your
apartment and eyeball stuff. I don't know if I can
get a volunteer or someone to look at your place.
I wish I could get Bow because bo is In
was in the business hvac.

Speaker 4 (01:41:12):
He would know.

Speaker 3 (01:41:14):
In fact, let's see if bo would what part of
town is your apartment building?

Speaker 6 (01:41:19):
Central?

Speaker 4 (01:41:20):
Okay?

Speaker 3 (01:41:21):
You know what I want to see. Deputy Bow is
a smart guy. He was in the HVAC business. He
might be able to go over there. He's not in
right now, but I want to ask him if he'll
drop over to see what's going on in your place,
and let's see what's happening. We had were, like I said,
we're flying blind. We have more coming right up. Go

(01:41:45):
with a sure thing Denver's Best roofer Excel Roofing dot com.
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an insurance check up free, no obligation. In comparison, call
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Speaker 4 (01:42:04):
Help.

Speaker 3 (01:42:05):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino here three O three
seven to one three talks seven one three eight two
five five. Jay's got to comment on that apartment issue.

Speaker 4 (01:42:26):
Go ahead, Jay, what's your comment?

Speaker 3 (01:42:28):
He's saying he has water coming down from the ceiling
of things from the HVAC unit, and the way he
got it to stop was by turning off the lever
to his water heater. I have no idea how they
would be connected at all, but go ahead, what do
you say, what do you have to say?

Speaker 4 (01:42:42):
Jay?

Speaker 23 (01:42:43):
Yeah, When he added a little more and more to that,
it got stranger all the time. But air conditionings do
produce a ton of water, and if it's not pumped away,
it can startly can all.

Speaker 4 (01:42:53):
But where does it produce? It usually produces it on
the outside condenser.

Speaker 23 (01:42:58):
Right, Yeah, but most of them have because, like he said,
his was up in the on the roof or something,
or in the attict.

Speaker 4 (01:43:06):
No, it's in his addict.

Speaker 6 (01:43:08):
Yeah.

Speaker 23 (01:43:08):
So if it's in the attic and it's not pumping
it out, it's going to come through the dry wall.

Speaker 4 (01:43:12):
But they don't put condensers in atticts.

Speaker 23 (01:43:16):
I I'd have to say there's something there making water
if it's coming out of the attic.

Speaker 4 (01:43:23):
Well, but I think he's wrong about it being the AC.

Speaker 3 (01:43:25):
That's all I'm saying. I mean, who knows. He might
be right, but it just seems so weird.

Speaker 23 (01:43:32):
It is weird, but.

Speaker 3 (01:43:36):
So, yeah, that doesn't make sense. He turned off his
water heater and it stopped the leaking.

Speaker 23 (01:43:41):
Yeah, Like I said, the more he added to that,
the stranger had got so somebody is going to have
to look at it for sure.

Speaker 4 (01:43:50):
Jay, Thank you. We need to get Boat to go
over there. Brandon wants to talk about Sentry Link Frank
Consumer Sailor, and then we have another comment on the
apartment issue.

Speaker 3 (01:44:02):
Please hang on, Bean, We'd love to get to you.
And more coming up on the Troubleshooter Show.

Speaker 4 (01:44:07):
Plus probid energy dot com for your source for solar systems.
Stay tuned to the Troubleshooter Show.

Speaker 3 (01:44:15):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 11 (01:44:19):
You don't pay a cent until you're content.

Speaker 3 (01:44:25):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two.

Speaker 11 (01:44:51):
Rift News.

Speaker 4 (01:44:55):
You don't have.

Speaker 1 (01:44:59):
Run insiousness.

Speaker 24 (01:45:00):
This is good.

Speaker 1 (01:45:02):
The Shooter's gonna help.

Speaker 5 (01:45:03):
Come.

Speaker 2 (01:45:05):
This is the Troubleshooter Show. Now Tom Martinez, Hi.

Speaker 4 (01:45:11):
Tom Martino here, Welcome to the show.

Speaker 3 (01:45:13):
Three oh three seven one to three talks seven one three, eight,
two five five. So we had a guy call and
say that he's getting water coming in from a ceiling. Right,
And this show, by the way, talks about everything, life, liberty, pursue, happiness,
everything in the world.

Speaker 4 (01:45:27):
So water's coming in through his apartment. He thinks it's
from the HVAC. They replaced the hv sate HVAC unit
or the AC unit, and he says that the water
still was leaking. He went over to his water heater,
turned off his water heater, and somehow the water stopped leaking.
The water from a water heater has nothing to do
with air conditioning.

Speaker 3 (01:45:46):
And an an air conditioner has condensation. It does not
come from inside. It comes from the outside units condensation.
There's nothing on an inside air conditioner that I know
of that creates condensation of the components on the inside.
You may have a I don't know, a coil or something.

(01:46:07):
I mean, but but we're not talking about a lot
of stuff here and in an apartment house. I have
no idea what he's talking about in his ceiling. What
is is in his ceiling? Now, the air mover could
be in his ceiling. That would be his furnace and
his air but I don't know how that could leak
a lot of water and how his water heater can
turn it off.

Speaker 4 (01:46:24):
They're not interconnected.

Speaker 3 (01:46:26):
This whole thing sounds crazy, but Deputy bow is going
to go out.

Speaker 4 (01:46:30):
And look at it.

Speaker 3 (01:46:31):
And Deputy Bou used to be in the HVAC business. Bean,
you have a comment, and then Brian go ahead. Bean,
what's your comment?

Speaker 6 (01:46:38):
All right?

Speaker 4 (01:46:39):
Hey?

Speaker 6 (01:46:40):
Yeah the time. My name is Bean dt A Han.

Speaker 4 (01:46:43):
Yes, Bean, Yes, yeah, okay, weird name, good name, good name.

Speaker 6 (01:46:47):
Are you Are you familiar with a water source heat pump?

Speaker 2 (01:46:53):
Uh?

Speaker 3 (01:46:53):
Yes, well hold on now a heat pump no, actually
not a boiler, but not a water worse heat pump.

Speaker 6 (01:47:01):
No okay, Well the guy said he lives in an apartment.
And what they do for everybody to have their own
individual heating and cooling, they put these little heat pumps.
They're capable of heating and cooling in each apartment, so
they can. They've got a thermostat that talks to that

(01:47:22):
heat pump. Okay, But because it's inside the building and
they want heating and cooling, they use water to transfer
the heat outside or to a boiler in the summertime.
What they do, what they do is pump the water
outside the building to a cooling tower. You've seen those
things on buildings. I assume, yeah, okay, well that's cooling

(01:47:44):
the water for the building. Well, and then they pump
that back into the building, and that takes the heat
away from the compressor that's in the heat pump up
in the attic.

Speaker 4 (01:47:54):
Wow, how do you know this?

Speaker 6 (01:47:57):
I know a little bit about this stuff. And so
in time, they have a boiler that's just in the
just does the reverse because now it's in a heat
pump situation. It okay, and and and and I've seen
it where these hoses are fittings or whatever. Sometimes they
use ruppers, sometimes they dis copper, but they'll get corrosion

(01:48:19):
and those pipes will leak. Well, there's a shut off
valve on those return and supply lines of water. You
follow that, and that that's what that guy did, was
turn off that water.

Speaker 4 (01:48:33):
But it wasn't on his water heater.

Speaker 6 (01:48:36):
Well he was mistaken there, Yeah, but he probably thought
it was on his water heater because the water as
it leaves that compressor is hot.

Speaker 3 (01:48:47):
And that's so you're saying that instead of using they
use actually.

Speaker 4 (01:48:52):
Water to carry the heat out.

Speaker 6 (01:48:55):
Yeah, what what I'm saying is you're used to an
air exchange set up, right, totally a this is water.

Speaker 4 (01:49:04):
Got it?

Speaker 3 (01:49:05):
Because that's the only way they could have a unit
in each apartment.

Speaker 6 (01:49:10):
Yeah, that's basically it.

Speaker 3 (01:49:12):
Ah okay, but why wouldn't they use a refrigerant.

Speaker 6 (01:49:17):
Of some kind? A heat pumped has refrigerant in it.

Speaker 3 (01:49:21):
Okay, this is this is simply to cool the coil.

Speaker 4 (01:49:28):
Well or the whatever it's it's to. It's to get
rid of the heat from the unit. I should say.

Speaker 6 (01:49:35):
Yeah, there's a little compressor up in that unit.

Speaker 4 (01:49:38):
No, I get it.

Speaker 3 (01:49:39):
No, it's it's it's to get rid of that heat
that would normally be sitting outside with a fan.

Speaker 6 (01:49:44):
Wait at your condenser outside right right?

Speaker 4 (01:49:48):
Well, okay, there's.

Speaker 6 (01:49:49):
A heat exchanger inside that unit, now I know.

Speaker 4 (01:49:53):
Okay, good, that's very cool. I never knew that.

Speaker 3 (01:49:56):
So that's how they put a unit in a ceiling
and can exchange inge the air the heat I mean,
without having it outside with a with a fan.

Speaker 6 (01:50:06):
Absolutely. Yeah, it can't get simple.

Speaker 3 (01:50:08):
But it's water. It's water source cooling. Yeah, it's very
thank you bean, thank you that that sounds very logical
to me, very logical. Maybe when they replace the unit,
they replaced the unit but never even looked at the
the couplings. Brian, what is your comment, Bean's a pretty

(01:50:31):
smart guy.

Speaker 16 (01:50:33):
A lot of a lot of condos have water source
heat pumps, but the newer apartments or even the older
ones in Denver, they have a lot of units that
run off the water heaters hot water, so they have
a hot water coil.

Speaker 6 (01:50:46):
It's air to air.

Speaker 16 (01:50:47):
It just has a hot water coil in it, and
then it'll have a condenser outside for the uh.

Speaker 3 (01:50:53):
So it could be that too, right, It could be
that too. It could be that he does have water
going up there from the heater.

Speaker 11 (01:51:00):
Uh.

Speaker 16 (01:51:00):
But then okay, also Tom, every air conditioner has the
evaporated coil, and the evaporated oil produces water inside the building.
Inside of adding, you're always going to have water coming
out of your evaporated coil because that's what removes the
heat from the air.

Speaker 3 (01:51:15):
So on my on my let's just say, on my
home here where I have a furnace air system, an
HVAC central air.

Speaker 4 (01:51:23):
Where is my evaporator.

Speaker 16 (01:51:26):
It's inside above your furnace is connected to the top
of your furnace.

Speaker 4 (01:51:31):
You know.

Speaker 16 (01:51:31):
I'm sure you're just on top of the furnace.

Speaker 3 (01:51:33):
And that's what that's what the blower motor, that's what
the blower motor blows over to put put to put
cool air into.

Speaker 16 (01:51:40):
My home, right and air condition. Really, what it does
is remove moisture from the building, and the moisture gets
carried out to the drain line. That's that comes out
of your evaporated coil. Okay, gosh a furnaces and the
evaporation and.

Speaker 3 (01:51:55):
The and the process of evaporation is what cause causes
the coolness, and that's what's carried through my home.

Speaker 4 (01:52:01):
The cool air.

Speaker 16 (01:52:04):
No, it's just the process of having the refriver and
lower than the due point and then the when the
air hits that coil, it turns into moisture and and.

Speaker 3 (01:52:13):
The byproduct of evaporation is cool. Yes, yeah, I get
what you're saying. No, that's that's pretty You're you're you're
both are really shedding a lot of light on this.
Thank you very much, man, Brian and Bean, thank you love.
I've always said I have the smartest listeners. I'll put
them up against anyone.

Speaker 4 (01:52:30):
Yep.

Speaker 3 (01:52:30):
If you ever listened to like these dummies in the
morning with Brownie and Dragon. That those guys on that
talk pack, you can tell.

Speaker 4 (01:52:37):
I say, we've got clever listeners, for sure. I wouldn't
call them the smartest thought. They're goobers. They're good, that's
what he calls them. I call mine geniuses.

Speaker 3 (01:52:44):
Except my YouTube morons, and that's a loving expend.

Speaker 4 (01:52:49):
My YouTube aren't really morons.

Speaker 3 (01:52:52):
They're YouTube observers of the highest degree.

Speaker 4 (01:52:56):
Uh, Frank, what is going on with Consumer Cellular?

Speaker 6 (01:52:58):
Man?

Speaker 25 (01:53:00):
Yeah, I'm kind of I'm sure you're going to say
that this is an easy fix, but I'm stuck in
a little issue. What is it, business bone that I've
had the business number for fourteen years?

Speaker 6 (01:53:14):
Okay for a month.

Speaker 25 (01:53:15):
Now I can't get it. I can't get Consumer Cellular
to turn it back on.

Speaker 3 (01:53:20):
So here's wall Wait wait, wait, why was it turned
off to begin with?

Speaker 25 (01:53:24):
Well, my phone broke, that's all.

Speaker 3 (01:53:27):
But but what do you mean when your phone breaks,
your number still works?

Speaker 5 (01:53:31):
Yeah?

Speaker 25 (01:53:32):
Exactly. So what happened is I paid my bill and
then all of a sudden that phone number wouldn't work anymore.
At least that could retrieve you.

Speaker 3 (01:53:40):
Well, wait a minute, you paid your bill. Now you
normally pay your bill right is? Or is this a
special event?

Speaker 6 (01:53:46):
Yeah?

Speaker 25 (01:53:46):
No, it was a special event because I was a
little late, maybe too.

Speaker 3 (01:53:49):
Okay, See that's probably more so than the phone breaking.
Hold on a second, I'll come right back to you, Frank,
don't hang up.

Speaker 4 (01:53:55):
I'm Tom Martine more coming up.

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(01:54:24):
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(01:55:13):
Frank has an issue now, So Frank, let's start in
the beginning. You had consumer Cellular with a number that
you had for a long time. Right then, what happened?

Speaker 25 (01:55:24):
My phone broke, just the screen, but I couldn't access it.
And I called them and toonement's broken. But I could
still get my voicemails so I could sell run of business.

Speaker 4 (01:55:37):
Right, so your phone broken? And then what keep going?

Speaker 25 (01:55:41):
They wanted me to buy one of their phones. Sure,
buy a phone.

Speaker 4 (01:55:46):
Did you buy a phone back on?

Speaker 6 (01:55:48):
Yep?

Speaker 25 (01:55:48):
I did. But guess what They want to send an
activation code to that phone number, and I said, well
how do you do that?

Speaker 3 (01:55:56):
So when you bought a new phone, they didn't port
your number over to the new phone.

Speaker 25 (01:56:01):
No, they wouldn't. They said they have to secure security
pin security code and I said, well I can't get
that because the phone's not active yet.

Speaker 6 (01:56:11):
Well that's do it.

Speaker 4 (01:56:12):
Well, yeah, the phone is broken. So if you don't
have access to that phone. How are they supposed to
send a security code?

Speaker 25 (01:56:20):
Exactly? So there's a backup plan, which is up.

Speaker 4 (01:56:22):
But where did the non payment of the bill come in?

Speaker 6 (01:56:25):
Oh?

Speaker 25 (01:56:26):
Oh no, I was just two days late.

Speaker 6 (01:56:28):
I paid it.

Speaker 25 (01:56:28):
When I paid it, that's when I couldn't even use it,
not even for voicemail. That's what's strange to me.

Speaker 3 (01:56:34):
Okay, So now the old phone completely does not work,
and you can't get your old number.

Speaker 6 (01:56:40):
No.

Speaker 25 (01:56:41):
But they said they'll send it to an old email address.
And I said, no, but you've had my new email
address for years. The one you have on file is
an old one. I cannot access it no more.

Speaker 3 (01:56:54):
They said, well, why didn't you change your email with them.

Speaker 25 (01:56:58):
I did. That's the problem, Tom, I changed it, and
they've sent me emails with the new email address. I said,
don't send it to that old one. He says, that's
the only one I have.

Speaker 4 (01:57:08):
I said, and what there must be another way to
verify you, or just cancel your damn account and start over.

Speaker 25 (01:57:16):
That's what I'm doing. But i'd have to lose that number.

Speaker 4 (01:57:19):
No you don't, No, no, no, you do not.

Speaker 3 (01:57:22):
They must port your number out, they must but okay
how and no no, no, dead number is not locked
inside a phone.

Speaker 25 (01:57:34):
Okay, port it, yeah, that give me.

Speaker 6 (01:57:37):
The right number.

Speaker 4 (01:57:38):
What is your new service going to be?

Speaker 25 (01:57:41):
It doesn't matter. It could be T Mobile Metro.

Speaker 4 (01:57:44):
Well, it does matter.

Speaker 3 (01:57:44):
That's actually because because the new service, you're going to
make a request with the new service to have your
number ported and they're going to put that in with
the old service, and Consumer Cellular must release your number.

Speaker 25 (01:58:00):
They won't.

Speaker 4 (01:58:01):
Don't have the problem. Yes they will.

Speaker 6 (01:58:03):
I didn't, Yes they will.

Speaker 25 (01:58:04):
Well they said they sent it to that other email addressed.

Speaker 4 (01:58:08):
You're not even listening to me, Frank. You're not asking
them to change your number to another phone. You're asking
them to port your number out to another carrier. That's
a whole different ballgame.

Speaker 6 (01:58:22):
Perfect.

Speaker 4 (01:58:23):
Don't even get into it with the new carrier. Listen
to me. Do not even get into.

Speaker 3 (01:58:28):
The broken phone. Don't say a word. All you're saying
is this, I want my number ported. They will get
information from you, the new carrier, and they will put
in a port order for your number. You tell them
the only way I'm going to take your service is
if you can get my old number ported in.

Speaker 4 (01:58:48):
They will port your number in.

Speaker 25 (01:58:51):
Okay, I heard you loud and clear.

Speaker 4 (01:58:54):
Now you can call me back if you have any problems.

Speaker 3 (01:58:56):
But you shouldn't because the people know what they're doing
when you get a new service. So go to a
good service that will port your number in. You know,
you can even go to Google and have that.

Speaker 4 (01:59:07):
Number poorted in. You can.

Speaker 3 (01:59:11):
But again, and then you can forward that Google to
whatever you want.

Speaker 4 (01:59:15):
You can. Like people don't realize this. If you have
a number that you own that you love, you should
put it into Google. And here's why Google Voice is free.

Speaker 3 (01:59:25):
You can have Google Voice and then just immediately no
matter what phone.

Speaker 4 (01:59:29):
Whatever, wherever you are, wherever you are, you can have
that Google phone number forwarded.

Speaker 3 (01:59:35):
So even if you want it to take time off
and you have a worker, you can have them answer
your phone. You never have to have a phone with
your real number on it.

Speaker 4 (01:59:48):
It's just a trick, it's a little hack.

Speaker 3 (01:59:50):
You use Google Voice as the intermediary where your favorite
number resides and stays, and then you can forward it
anywhere you want.

Speaker 4 (02:00:02):
Anyway.

Speaker 3 (02:00:03):
Three oh three seven one three talk seven one three
eight two five five.

Speaker 4 (02:00:10):
Brendan, how are you? What's happening?

Speaker 6 (02:00:15):
Hey? Tom? Hey, hey, damn man.

Speaker 24 (02:00:18):
Years man, I've Denver native have been listening to you forever.
This is the first time I've ever called you.

Speaker 4 (02:00:23):
What's the problem.

Speaker 24 (02:00:24):
Frustrated with Quantum Fiber? I could puke?

Speaker 3 (02:00:27):
Now, what what's going on? What do you use quantum
for for your broadband?

Speaker 6 (02:00:32):
Right?

Speaker 24 (02:00:33):
So I live over here in old town Littleton and
we have lit fiber service here to the house, gig
a bit lit fiber from Quantum Fiber.

Speaker 4 (02:00:42):
That's pretty cool. But that's really fast, right, Yeah.

Speaker 24 (02:00:47):
It's great, it works great, no issues with it. The
issues that I have are with their terrible, terrible, terrible
customer service.

Speaker 4 (02:00:56):
Tom, what's wrong? Tell me the tell me the problem.

Speaker 24 (02:01:01):
So I'm having two little dinky issues. One issue is
I can't access the modem firmware to change and stuff.
I'm locked out of their proprietary wireless mesh system.

Speaker 3 (02:01:15):
Now hold on, hold on, so what what I want
to Just address that real quick? Okay, Normally when you
have a modem in your home, Okay, normally they take
care of all the firmware and all that. Why do
you need to access that? I'm just curious.

Speaker 24 (02:01:34):
There's two pieces of network here in my house. The
first piece of network here is the network interface device
which turns the lit fiber optics signal into a copper signal.

Speaker 4 (02:01:46):
Right, And and why why okay, hold on? Is that
is that piece of.

Speaker 3 (02:01:50):
Network equipment that turns it to a from a from
a fiber to a digital to.

Speaker 4 (02:01:56):
A it's a it's a digital, but it's it's over copper.
So when it transfers.

Speaker 24 (02:02:02):
From LI, it turns it from a lit. So the
fiber optic signal that comes into my house is over
a fiber cable and it's got fiber optic light on it.

Speaker 3 (02:02:10):
Right, and it changes from light to electromagnetic. But once
it does that, right, I get it, man, I get it.
But once it goes from light to electromagnetic, what I
want to know is this is that piece of equipment
before or after your modem.

Speaker 24 (02:02:28):
That's before So that's the first piece of equipment in
the chain that comes in and does.

Speaker 4 (02:02:32):
All the and then hold on. Then the normal electromagnetic
signal goes into the modem.

Speaker 6 (02:02:39):
Correct.

Speaker 24 (02:02:39):
It's an r J forty five ethernet cable that goes
from that piece of equipment to their proprietary wireless mesh system.
It's three pods what this one, this copper Ethernet cable
connects to the first one. An these three pods are
supposed to create a.

Speaker 3 (02:02:57):
Right, a mesh network that they I know, they talk
to each other. I get it, bro, they talk to
each other. So where is the failure?

Speaker 24 (02:03:03):
Anyways? The failure is they have a proprietary guy like
a log in that you control this thing from from
an app like.

Speaker 4 (02:03:11):
I when you oh gone, When you say control, okay,
hold on, bro, When you say control this thing, is
it controlling the transformer that goes from fiber to electromagnetic
or is it controlling the modem? Or is it controlling
the first mesh in the chain?

Speaker 24 (02:03:29):
It controls your entire mesh system.

Speaker 4 (02:03:32):
I get it. But what are you accessing to do it?

Speaker 24 (02:03:37):
So I use the app. It logs me into the
wireless system and I can change like my WI.

Speaker 4 (02:03:42):
What does it?

Speaker 3 (02:03:43):
Okay, listen, I know you think I don't know what
I'm talking about, but I promise you I do. What
are you logging into When you say the wireless system,
which component.

Speaker 4 (02:03:54):
Are you logging into?

Speaker 7 (02:03:56):
Mesh?

Speaker 4 (02:03:57):
The first mesh in the chain, not the modem, I
would assume.

Speaker 24 (02:04:03):
So there, I mean the first one is the one
that's actually physically connected to the piece of.

Speaker 3 (02:04:07):
Which one assigns your IPS, Which ones assigned your IPS
or does the dynamic assignment?

Speaker 6 (02:04:13):
Which one the mesh system?

Speaker 4 (02:04:16):
Okay, so what are you trying? Why do you have
to log in? What are you trying to do?

Speaker 24 (02:04:21):
So the system you're able to go in and control,
like when I can set times for when my kids can.

Speaker 4 (02:04:27):
That's right, that's right.

Speaker 3 (02:04:29):
You can set times for each of the nodes or
all of them together.

Speaker 6 (02:04:34):
Yeah.

Speaker 24 (02:04:34):
Man, so I can go in and I can make
sure that the kids are going to bed, that's right.

Speaker 4 (02:04:38):
That's right.

Speaker 3 (02:04:39):
So you can't log in to do all of that
interface exactly?

Speaker 24 (02:04:45):
Why locked out?

Speaker 4 (02:04:47):
Why are you locked it?

Speaker 6 (02:04:48):
Why?

Speaker 4 (02:04:48):
Why are you locked out of it?

Speaker 24 (02:04:51):
It just stopped working one day, and so I went
through the password reset steps, right, and it's it's said
it was reset. It's still went log in. I probably
did that like five times, yes, right, everything I possibly could.
And then I just said, okay, well, enough's enough. It's
time to content their customer service right right? Non existent, Tom,

(02:05:14):
non existent.

Speaker 4 (02:05:16):
It's not even in India.

Speaker 24 (02:05:19):
You can't even get someone to pick up the phone
I spent. I've probably spent eight hours over the last
few days.

Speaker 4 (02:05:27):
I want to ask some Ambia's stuff. Brendan. Brendan, when
how did you first get locked out of it?

Speaker 24 (02:05:34):
That's that's the big mystery.

Speaker 6 (02:05:36):
I don't know.

Speaker 24 (02:05:36):
I just all of a sudden one day I went
just about a week ago, I went to go log
into their software that controls all this and I was
signed out. And I went to sign in, it said
my password is in dallad.

Speaker 4 (02:05:48):
Okay and listen.

Speaker 3 (02:05:50):
Well, I'm going to tell you a few things it
could be, but better than that, I'm not going to
tell you that. I'm going to tell you I have
very complicated in my home, and I will tell you
that I use my modem in bridge mode, I go
to a mesh. I have all of the same stuff
you're talking about. Here's what you do, even though you
think it's not going to work.

Speaker 4 (02:06:10):
Try it. Please try it.

Speaker 3 (02:06:13):
Uninstall that app on your phone completely, get rid of it,
and then download it again. Also, take every piece of
power out of your network and let it sit for
thirty seconds.

Speaker 4 (02:06:26):
Complete every piece the modem for the transfer. The does
the transfer have power or is it powered by the light?
Powered by the light? What is it powered by the
light or do you have to plug it in.

Speaker 24 (02:06:39):
Well, I hate to be the bearer of bad news, Tom,
but I have tried all the above. Okay, remove the
app from all my devices. I've power cycled all of
my equipment.

Speaker 4 (02:06:48):
But did you do them all at the same time?

Speaker 3 (02:06:50):
Did you power cycle the entire system down completely and
remove the app, then install the app, then reboot the system.

Speaker 4 (02:06:58):
Did you do all that?

Speaker 6 (02:07:00):
Yes?

Speaker 24 (02:07:01):
I have, and then and then it's broken wound If
I can take an Ethernet cable and I can connect
hard line straight to the media converter, and that's not
the issue. Now everything's working as it should. I just
can't walk into the systems.

Speaker 4 (02:07:14):
Right, you can't set your parameters.

Speaker 3 (02:07:17):
You can't set your parameters somehow the app. I think
it's in the app and not in the hardware. Okay,
hardware doesn't change.

Speaker 24 (02:07:28):
I think it's more frustrating, Tom. This is a simple
issue that should be handled by their customer service.

Speaker 6 (02:07:33):
Right.

Speaker 24 (02:07:33):
You can't get to anybody. You can't reach a person
I sat on you get on their chat. It is
I think there was like one hundred something people on there.
I sat on there for three hours and when I
finally got to the chat, it is shut down on me.

Speaker 3 (02:07:47):
Hold on the second. Listen, I share your frustration. Listen,
you're not technology in general. You're not the only one.
Whether it's Sentry Link or whatever it is, everyone has
the same problem with customer support.

Speaker 4 (02:08:00):
No one wants to talk to anyone. So what I'd
like to know is.

Speaker 24 (02:08:05):
I got it, and another thing too. Con My other
issue is I'm supposed to be getting a credit. I
have two kids, and I get that FDC credit towards
internet bill.

Speaker 6 (02:08:13):
Yeah, all of a sudden.

Speaker 24 (02:08:14):
Like three months ago, that stopped showing up on credit
towards my bill. And I can't on anybody to find
out what happened with.

Speaker 4 (02:08:21):
Have you ever thought about just discontinuing the service and
just to go with a Google Mesh?

Speaker 24 (02:08:27):
Check this out, man. If you go to cancel, you
go online to your portal to cancel your service. It
makes you call their phone number, and you call their
phone number, you'll sit on hold for two hours and
then you don't talk to anybody. You can.

Speaker 4 (02:08:40):
I bet you if you unplugged their equipment and don't
pay the bill, you'll get their attention.

Speaker 24 (02:08:46):
Well, they'll send me to collections.

Speaker 6 (02:08:47):
I mean, where are you?

Speaker 4 (02:08:49):
Who cares? Who cares?

Speaker 3 (02:08:51):
I mean, listen, If truly it's as frustrating as you
say it is, and I have no doubt, here's what
I would do.

Speaker 4 (02:08:58):
I would literally put in an system and take that
system out and not pay the bill. That's exactly.

Speaker 3 (02:09:04):
And then when I get their attention, i'd say, you
never responded. Here's and I would keep copious notes on
when I tried to connect to them and get help.
And then if they take if they try to send
you a collection, this big deal.

Speaker 4 (02:09:16):
They'd have to go to court.

Speaker 3 (02:09:17):
And if they literally have the nerve to take you
to court, you march in with the equipment and with
your notes, saying, here is the service I've gotten that
I refuse to pay for, and you win. Here's the problem.
People don't do that. People don't do that kind of thing.
But that's what you need to do. If it is
as frustrating as you say it is, and I believe you,

(02:09:39):
and if you truly tried to do what I did
with the rebooting of the entire system and reapplication, I
would do it. But I got to tell you, man,
there's no magic. There isn't Sometimes there are just companies
that suck, just totally absolutely suck.

Speaker 4 (02:09:57):
I mean there are, by the way, I'm.

Speaker 24 (02:09:59):
Glad what I was able to get on is face
some Tom. That's what people need to know.

Speaker 19 (02:10:02):
Be aware.

Speaker 3 (02:10:03):
But I would, I swear to God, I would disconnect
that I would get I would get sentry link or
something in there. I would use a just use any
What you do is get a regular generic modem and
have it go to Google Mesh and then control everything
through Google Mesh.

Speaker 4 (02:10:19):
We have more coming up on the Troubleshooter Show.

Speaker 3 (02:10:22):
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dot com.

Speaker 11 (02:10:26):
You don't pay a cent until you're content.

Speaker 3 (02:10:31):
Time for an insurance checkup free no obligation comparison call
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nine two zero sixteen twenty two. Hey Tom Martino, your

(02:10:56):
troubleshooter Anthony, you have an employment law question. What's going on, Anthony,
I'll give you the quick mile above you.

Speaker 26 (02:11:07):
Short version is, my wife's company did a bunch of
layoffs literally yesterday. Oh oh, and then they talked to
her today and I'm not sure who they talked to
her today, wanted to give her quote opinions on the situation,
and then after that they let her go.

Speaker 4 (02:11:33):
Do you think because of her answer they let her go?

Speaker 26 (02:11:38):
I mean, to me, in my mind, that's the only
logical answer, because if they were going to let her
go as part of the mass layoff that they literally
did yesterday, they would have let her go yesterday with
everyone else.

Speaker 4 (02:11:47):
Well, what did she tell them? What was her opinion?

Speaker 26 (02:11:50):
Did she know the exact thing? Because she's there, they're digging,
they're getting another it's not an exit interview, but they're
having somebody talk to her right now.

Speaker 4 (02:12:00):
Okay, what did you What kind of company is this?

Speaker 26 (02:12:04):
It's a nationwide shipping company.

Speaker 4 (02:12:08):
Is she a higher up middle management or what a flunky?

Speaker 26 (02:12:12):
What is she more in the middle payroll area?

Speaker 4 (02:12:16):
Is she in management at all?

Speaker 26 (02:12:21):
Hourly payroll clerk?

Speaker 16 (02:12:23):
Basically?

Speaker 4 (02:12:24):
Okay, So, Anthony, what is your question?

Speaker 26 (02:12:29):
Does that sound to you like something we should talk
to a labor lawyer about as well.

Speaker 3 (02:12:33):
Tell me why you why do you think that? Tell
me why you think that? I mean, I don't know
what you're thinking? What what what do you What angle
do you think you have?

Speaker 26 (02:12:42):
If they were just wanting to let her go as
part of a giant layoff, why wouldn't they have done
that as part of the layoff They literally just did
instead of waiting till the next day and then asking
her opinion. And if they were planning on letting her go,
why would they need to or even care about her opinion?

Speaker 3 (02:13:02):
Okay, let's do the different Let's do the different scenarios, Anthony.
Let's say they wanted to let her go the first
time around, but they forgot literally, so they let her
go a day later, No harm, no foul, They have
every right to do it. Let's say scenario number two.

(02:13:25):
Let's say they thought they wanted to keep her, but
they wanted to make sure everybody who remained behind was
completely on board, and they didn't like her answer, so
they fired her today instead of yesterday, absolutely positively within
their power, with no problem.

Speaker 4 (02:13:43):
Let's take another scenario.

Speaker 3 (02:13:45):
Let's say they were on the fence and they weren't
sure if they wanted to keep her or not. And
somebody says, you know what, I don't like the smirk
on her face. And so they fired her absolutely positively
within their power, with no problem.

Speaker 4 (02:13:59):
Let's take another scenario. She walks in and they say,
we didn't realize she's a woman she or we didn't
realize she was black, or we didn't realize she was Jewish,
or we didn't realize she was this old.

Speaker 3 (02:14:11):
Then they would have a problem, gotcha. So I don't
What I'm trying to get at is why. And again
I'm not challenging you because you might know something. I
don't why you thought there would be why they can't
just do that? What is there that you thought they
were doing wrong?

Speaker 26 (02:14:31):
I guess I didn't see it from that perspective. The
only car and I saw was that they called her
asking for her opinion on it.

Speaker 3 (02:14:39):
And you can be fired for your opinion. True, you
can be fired for anything. I mean, really, you can
be fired for your opinion. You really can be I
mean even I'm going to tell you something that you
might find crazy.

Speaker 4 (02:14:57):
If they don't like your.

Speaker 3 (02:14:58):
Opinion about Trump, or they don't like your opinion about
Kamala Harris. They can fire you. People don't think they
can be fired for politics. They can be They can't
be suppressed while they're on the job as far as
expressing themselves legally somewhere else.

Speaker 4 (02:15:15):
But they can be fired if they don't jive with
the company.

Speaker 3 (02:15:20):
They really can be Now, they can't be fired if
the company they don't like black people. And she says,
I don't believe in discrimination. That's different. There are only
certain things that are actually protected.

Speaker 4 (02:15:39):
Now.

Speaker 3 (02:15:40):
Obviously, companies can be jerks and canceled and all that
for atrocious behavior with employees. That's why they don't do
it right. But I don't see this as atrocious. I
see this as just they just handled they bungled it,
they handled it wrong. I mean, you know, they should

(02:16:00):
have told her why, what reason did they give her?

Speaker 26 (02:16:04):
They they haven't given her a reason. That's why the
person's calling her a little bit later. So it sounds like, really,
the only thing we've got would be the unemployment.

Speaker 3 (02:16:14):
That's what you yeah, because if she wasn't fired for
cause or it wouldn't be adequate. By the way they
didn't like her answers, that's not an adequate reason. She
can get unemployment, That's what I would go for, or
she can just when they call, say, listen, I would
like to know.

Speaker 4 (02:16:29):
Is there anything I can do to make this up?
I love my job.

Speaker 3 (02:16:31):
If she does, and if it's not against the law,
if it's not illegal, if it's not immoral, maybe she'll
get her job back.

Speaker 4 (02:16:39):
I mean that the company is smart. If you're not
giving a reason, that's right.

Speaker 3 (02:16:45):
But what what you don't understand is they can give
a reason and still be smart because you don't have
to have a.

Speaker 11 (02:16:52):
Good reason, right.

Speaker 4 (02:16:55):
But I mean, but the only reason.

Speaker 3 (02:16:57):
Look, look, I think if she likes her job, she
should tell them that and just be honest.

Speaker 4 (02:17:02):
Say I'm floored. I don't know why I was fired.
Why didn't you fire me yesterday? Just ask them. People
love directness and honesty, not threats. They love directness and
honesty more. Coming right up, Go with a sure.

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(02:17:36):
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Speaker 4 (02:17:50):
Of your roofing needs. The people I call first anything
to do with my roof excel as an excellent ex
Cel excelroofing dot com. Hey, let's talk solar. So someone
wants to know what financing is available. They can get

(02:18:12):
tax credits, what about the actual of financing on a
house system? What can they get?

Speaker 10 (02:18:19):
So there's a couple loans that we can look at.
One would be the renew loan that Colorado supports.

Speaker 4 (02:18:24):
And how long does that go to.

Speaker 7 (02:18:27):
The loan program? No end date?

Speaker 10 (02:18:30):
And then we've got in house financing through a company
called good Leap.

Speaker 4 (02:18:33):
And what are rates running around?

Speaker 10 (02:18:35):
They're pretty ugly, like what, oh gosh, that's around five
to nine.

Speaker 4 (02:18:40):
Well that's not terrible. Actually that's not.

Speaker 10 (02:18:42):
Terrible, but the dealer fees are pretty high. So that
renew loan's pretty good because there are no dealer fees.
In it good, and then we're starting to do some
leases again. They're starting to go back that way because
they're way more affordable than the loans are.

Speaker 4 (02:18:55):
All right, very cool, that's probit energy dot com