The Troubleshooter 06-04-26

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Episode Transcript

Speaker 1 (00:00):
You heard the news forty five years strong, solving your problems,
answering questions, taking complaints. This is the Troubleshooter Show. No,
Tom Martino, heay.

Speaker 2 (00:18):
That's what this show does, as we've been doing for
forty five years.

Speaker 3 (00:22):
Major Mark Major.

Speaker 2 (00:23):
On the other end, we have a lot happening today
as always, and you can be part of it at
three oh three Martino three oh three, six two seven,
eight four sixty six or the Iheartline three oh three,
seven to one three Talks seven one three, eight two
five five. This hour brought to you by Dan McKenzie
McKenzie Law for a state planning, wills trusts, avoiding probate,

(00:48):
facing probate. If it has to do with a state planning,
call McKenzie Law. They're great people. They'll meet with you
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seventy two years old, facing life threatening illness and I

(01:11):
decide to do an estate plan. Don't be like me,
don't put it off. Eight three three co plans, Hey, Major,
Mark Major, what's on your mind today, Bro, what's happening?

Speaker 4 (01:21):
An IPO for SpaceX coming up soon?

Speaker 3 (01:24):
It's very interesting.

Speaker 4 (01:26):
I don't know about you, but anytime I've participated in
Opening Day, I wish I had it. I really honestly
can say that. How about Martino Capital, you guys, what
do you guys think of this SpaceX? It's gonna put
Elon over a trillion dollars in wealth.

Speaker 2 (01:44):
You know, we don't do IPOs in general because there
is absolutely nothing to go on unless there is so
much hype that you know, people know it's gonna go up.
But you know, remember Facebook fell flat, and I don't
know what SpaceX is going to do. A lot of
people both like Elon Musk for his just for his

(02:04):
business acumen, and they believe in him, and that alone
could make round two a money maker. So I mean,
excuse me, Round one the money maker. Because with an IPO,
it can either go two ways. It's either going to
it's either going to underperform or overperform. That's what it's
gonna do. It's never going to be exactly on the money.

(02:26):
And if you have a lot of promise and a
lot of sizzle, they're going to It's gonna bump a
few bucks and you can make some really good money.
But it's very speculative and very risky, so you know, I.

Speaker 3 (02:40):
Don't think it is.

Speaker 4 (02:41):
I don't think it is long term though, I'm saying
I think it's better at least let it calm down
three or four days. And I'm not talking just SpaceX,
any ipo, but then kind of see what happens. I
think long term SpaceX is gonna be like Tesla.

Speaker 3 (02:57):
It's gonna be unbelievable.

Speaker 2 (03:00):
You know that's probably true because he does have a
track record with other companies. I'm not sure what the
revenue model is for SpaceX. But speaking of investments, you know,
no matter what company, fundamentals are important. Where do they
make money, what are their expense ratios, what is their future?

(03:22):
I mean, sure, you can have fun with meme stocks,
you can have fun with crypto funds. You can have
fun with a lot of stuff where you make quick
money or you know something is poised to really take off.

Speaker 3 (03:38):
I know you've done that a number of times. Mark.

Speaker 2 (03:40):
You had a hunch, and those things can make you
good money. But over the long run, it's the fundamental
function of the company. The fundamental operation. What are they?
How are they making money?

Speaker 4 (03:55):
Listen, man, The only reason I kind of disagree, and
I think you'll agree with my disagreement is there's a
lot of companies out there that didn't make a dime
for years and years, but we knew once they get
a certain amount that was going to explode, like Amazon.

Speaker 5 (04:11):
Well, let me ask the question, guys, by the way toime,
I'm in the.

Speaker 3 (04:14):
Studio, Yes, sir, Doc, comity doc, thank you?

Speaker 5 (04:18):
What is the revenue stream on SpaceX?

Speaker 3 (04:20):
I mean that's what I was wondering.

Speaker 6 (04:21):
Of course, the fortune every time they launch a rocket and.

Speaker 4 (04:26):
The people and people pay the launch satellites, that's mainly it.

Speaker 3 (04:30):
And they pay to.

Speaker 4 (04:31):
Go back and forth, doc, to the space station and
the Moon and soon to be Mars and everywhere else.

Speaker 5 (04:37):
Oh, I agree with. All I'm asking is are they profitable?
At this point?

Speaker 4 (04:41):
It doesn't even matter how many If you want to
fly something into orbit, where are you going? Who cares
if they're profitable? Uber wasn't profitable. Hell, I don't even
know if Uber's profitable.

Speaker 2 (04:52):
Now, you know, you got two things going on, Doc,
You got the fundamentals like you're asking about, and they
and you have the speculators who really that's where you
make the money. You know, you get somebody to buy
your stock, you buy it, you sell it, I mean,
you know, and and the fact that it doesn't make profit.
Mark's right. There are plenty of companies whose stock values

(05:15):
always outpace earnings or they outpace of losses. I mean,
you know, you have companies that haven't made money, you know,
I said one of.

Speaker 4 (05:23):
The genius, so I looked it up. I looked it
up for doc here. The main profit driver right now
with SpaceX is gonna be Starlink. They make eleven point
four billion in revenue. I mean, that's a lot of
dough it is, no.

Speaker 2 (05:40):
But that's huge, you know. And he is like, Mark says,
where else are you going to go?

Speaker 4 (05:46):
Well, not only if you're if you're fighting a war
in the Ukraine. Where else are you going to get
internet in order to fight the war? I mean, there's
only one company that I know of that I can
take my little dictionary size a dish that you know
fits in my backpack and light up four hundred megabytes
down and one hundred megabytes up.

Speaker 3 (06:07):
Anywhere in the world.

Speaker 2 (06:09):
Yeah, and by the way, that is one of the allures,
of course, is the connectivity.

Speaker 6 (06:16):
And again, go ahead, I'll say I didn't know that
sarlink was part of SpaceX.

Speaker 5 (06:22):
I thought it was a separate entity.

Speaker 2 (06:24):
No, So what happens is people, as I said, they
go out and they buy it, settles down, and then
some go by fundamentals, some don't. I mean, I thought
the genius of Amazon and Bezos, the genius wasn't buying
and selling. The genius was getting people to invest in

(06:48):
a company that never made money for like twenty twenty
five years.

Speaker 3 (06:51):
I mean, it just was incredible.

Speaker 2 (06:54):
He had an interest free loan of tax not taxpayer
of investors. You know, people bought stock this guy, and
no one expected them to make a profit, and they
kept investing, and they kept selling and reselling stock, so
his insider stock kept going up and up and up
in value.

Speaker 3 (07:14):
But I mean, think.

Speaker 4 (07:16):
Of what he's think of what he's done too, Bezos,
think about this doc and anybody out there.

Speaker 3 (07:23):
I mean, we know, Amazon is incredible. They make a
ton of money.

Speaker 4 (07:26):
They were making money in the cloud when they were
losing money left and right delivering packages. But right now,
right now, they handle more parcel than ups by far,
probably more than FedEx. Think about that, and they've only
been in that game for a very short amount of time.

(07:46):
It wasn't long ago when you ordered from Amazon, it
was one or two days out and it showed up
by FedEx or ups. They completely cut out the middleman.
That's what these companies do.

Speaker 3 (07:58):
It's not your regular we're buying the stock because we
know the leadership knows how to perform.

Speaker 2 (08:06):
That's exactly right. And man, Amazon, what a story. And
it's not only the connectivity with the wife or you know,
with the broadband, as Mark was saying, that was a
big thing, and that started making money before the Amazon
retail started making money.

Speaker 4 (08:24):
And I'm a lot of people, a lot of people
don't understand Amazon or even Microsoft asure what a cloud
service is, and there's a ton of them. Instead of
buying a PC that sits right here in my house,
it's basically a dumb terminal that connects to whatever kind
of PC I want through the Internet, I can build
my own PC. I can make it Windows based, Linux based,

(08:46):
I can make it based anyway I want, and I
don't have to buy the hardware. And now with AI,
I can buy AI based machines that I just simply
rent when I need them. When I'm done with them,
I turn them off and I don't pay anymore exactly.

Speaker 2 (09:02):
And and these these private servers are unbelievable. You know,
it used to be a time mark. You had a
closet literally had servers in it.

Speaker 4 (09:13):
We ran referral lists dot com in my internet cafe
off of the t one in.

Speaker 2 (09:19):
The late nineties, so people would tunnel in there on
on our on our pipe and retrieve data and go
back out. I don't know if anyone maintains their own
servers anymore. I think everyone is using either Aws, Amazon,
they use Google, or they use Microsoft.

Speaker 4 (09:37):
You're crazy not to because if all of a sudden
I need more storage space, I just simply hit one
button and boom, I got more.

Speaker 3 (09:45):
If I need.

Speaker 4 (09:46):
More AI capable chips, I hit one button and I
have it. There's no reason to have your own equipment.
It would be silly. In fact, there's no purpose in
having your own equipment none, none.

Speaker 2 (09:58):
In fact, you keep it updated to keep it running
tiptop shape. That's what these server people do. They offer
you the best at low prices. All right, Well, so
we have a lot to talk about let's get your
calls at three oh three, seven to one three talk
seven one three eight two five five or three oh
three Martino three oh three, six two seven eight four
sixty six. And again we also have people who are

(10:21):
texting us at seven four, seven, nine, nine, nine fifty
two eighty. And speaking of servers, Martino Capital does have
its own server, and one of the things we can
do with that was Mark was talking about the cloud service.
We deploy programs from that server automatically.

Speaker 3 (10:39):
Every day.

Speaker 2 (10:40):
We gather twenty thousand securities and then classify, categorize, and
customize them to individual investors. We're the only company, the
only one, I swear to you, that is doing this
right now.

Speaker 3 (10:55):
We have this service. Every morning at four in the morning.

Speaker 2 (10:57):
It goes out and gathers twenty thousand secure and we
customize them. We do not we do not outsource your
portfolio to a large advisor and make middleman fees with
model portfolios. Every portfolio is custom designed for you. If
you want this level of service, give us a call.
My money is right alongside yours, and I can tell

(11:21):
you it's not just preaching.

Speaker 3 (11:23):
I'm doing what I'm talking about.

Speaker 2 (11:24):
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(12:10):
We love heritage at this place. You hear us talking
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John Fuller and all of these people.

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That's Appleair and Air with an Eappleair dot com.

Speaker 3 (12:48):
So we're talking about.

Speaker 2 (12:51):
We're talking about all kinds of stuff, okay, and technology
is a big deal, you know, and the virtual servers
what an important uh depp did it take When virtual
servers were instituted, Companies took off because they didn't have
to they didn't have to maintain their own server anymore
to have all their data up, their websites up, and

(13:13):
they didn't have to encrypt them.

Speaker 3 (13:14):
They didn't have to do security.

Speaker 2 (13:15):
They just outsourced to you know, like AWS which is Amazon,
or Microsoft Azor where they did a Google. And it's
really remarkable what technology has done for the business world.
And speaking of technology, we've had this spirited discussion I
think on the air, but mostly off the air about

(13:36):
things that are available and people that make it sound
like it's so available.

Speaker 3 (13:41):
And one of them, at one time a woman.

Speaker 2 (13:43):
Called and said some guy parked outside her house and
he's jamming her WiFi, comes in and rearranges the furniture.
She was a paranoid schizophrenic. But she said, oh, yeah,
you can jam Wi Fi. It's really easy. You just
buy the thing on Amazon. You can't buy it on Amazon.
We had people call it, telling us and emailing us
and texting us saying you can buy Wi.

Speaker 3 (14:04):
Fi jammers on Amazon and listen.

Speaker 2 (14:08):
I got sick and tired of hearing this, and then
Dimitri sent me a link the other day saying, you know,
they do exist. I never said they didn't exist. They're
not readily available. They're illegal to buy, they're illegal to use.

Speaker 3 (14:22):
One hundred thousand dollars. Fine if you're caught. Yeah, and
they jam cellular.

Speaker 2 (14:28):
They jam everything, cellular, Bluetooth, every signal there is Wi Fi,
any signal, even keyfobs and garage doors, whatever. Any wireless frequency,
any wireless frequency is jammed within its fear of influence.

(14:49):
That's fear of influence depends on the power behind it.
They are available, they started around five thousand dollars. I
looked into it. You can buy them. You got to
go to the dark web. You have to use a
tour server, or you have to go to some unscrupulous people.
And obviously I didn't buy one. I was searching I
was looking, and here's the deal. They are available, and

(15:13):
they're scary because they will knock out signals and they
if you press that button, you're in trouble. Now. I
don't know how they'd ever find you or anything, but
they are available. There are other things available too, absolutely positively,
and those are cloners. This is now. The thing is
not many people actually use these things, but they are available,

(15:36):
and some sophisticated criminals will use them. The cloners are very,
very scary, Okay. That's where they are in the proximity
of where you are using a wireless device that has
a code, So that could be a garage door, it
could be a keyfob or something else. And what it

(15:59):
can do is it can mimic the code, it copies,
it mimics it, and then they can use it in
the future to gain entry to your garage door and
everything else. And it's incredible. Then there is this technology
that's really scary. Mark We've heard of smart devices, okay,

(16:23):
And for months and months I've been joking with Dimitri because.

Speaker 3 (16:27):
He hates smart devices.

Speaker 2 (16:29):
He won't fill out the information, he won't use them,
he won't let them in his house. A smart device
is like a TV that wants all of your information
and they get on your Wi Fi.

Speaker 3 (16:40):
There are smart bulbs now.

Speaker 2 (16:42):
You can put a bulb in a lamp or in
an overhead fixture, and what this bulb does is basically,
on the surface, it changes colors. That's the main function
of a smart bulb. You can turn it on. You
can turn it off, like I have one in my
studio right here, so I can go on my cell phone.

(17:03):
If you're watching online right now, I'm going to turn
the overhead light. I'll turn it off, right, See, it
just turned it off using my smartphone. I'm going to
turn it back on and it'll go back on.

Speaker 3 (17:14):
Now.

Speaker 2 (17:15):
Then I can change colors, so it can have all
kinds of fancy colors. But here is something that a
lot of people don't know. And I thought, you know what,
if somebody ever called the show, I would have accused
them of being overly paranoid, because I would think, ah,
come on, right, because you see in movies people hacking

(17:37):
into things using smart devices, and I would think it's
really just made up. But I've done some I did
a lot of research. I was spending all last night
and this morning doing it. Do you know any smart device.
If somebody gains access to your smart device, they can

(17:58):
go out over the internet, can address that smart device
using of course they get into because it's online, it's
on your Wi Fi, so it's on the internet. They
can get into smart devices and they can program them
to be routers, they can program them to do other things.
So all smart devices, they're not They're kind of the

(18:20):
same in that they are generic and then they are
programmed to do a limited thing. So the limited thing
here would be turning that light on and off or
changing colors. But there are many other things the smart
device can be programmed to do, and one of them
is to gather information of your WiFi. It can literally

(18:45):
gather and relay information from your WiFi. So if you're
on your Wi Fi going to your bank, a smart
bulb in your house. I'm not saying, you know, you
have to watch out for every smart device every day.
They're very sophisticated hackers that use these devices. But Mark,
did you know they can literally use these smart devices,

(19:07):
any smart device.

Speaker 3 (19:08):
I did not realize that.

Speaker 2 (19:10):
I thought in some magical world, you know, they're only
confined to one function, Like, how the hell are you
going to get into a smart light bulb and make
that a router or make that a recorder or make
that a relay? How could that ever happen?

Speaker 4 (19:26):
And I saw do you think about those Apple air
tags and Samsung makes Those little things.

Speaker 3 (19:32):
Are like the size of a quarter.

Speaker 4 (19:34):
I heard there's some coming out the size of a
dime that you could put anywhere on anybody or in
any car, or on any bus or anywhere and know
exactly where that is anywhere in the way.

Speaker 3 (19:47):
Now I know it.

Speaker 5 (19:48):
I know it.

Speaker 2 (19:49):
And it doesn't even take any power. I mean, here's
the thing. These smart devices in the home. It's too
late now we have too many of them. We can't
even eradicate them. And the Internet of Things the IoT
now washer dryer are washer and dryers on the internet.
We can program it to start to stop. And your oven,

(20:12):
your refrigerator we have There are smart refrigerators now that
you can program. In fact, it can the smart refrigerator
can use smart tags on products to tell you when
you're running lower, when you have to order things. Then
you have the Amazon dots that you put over your house.
You know, instead of talking to Alexa, you press that

(20:34):
button to order something automatically. But anyway, smart devices are
the next big deal because while the technology is sophisticated
right now, it's becoming less and less sophisticated where people
are going to be able to tap into smart devices
and there's really this is what we have to come

(20:57):
to grips with. There's really no such thing as security anymore.
When it comes to yourself, you're gonna you really have
to be careful because if you have a smart device
in your home, yes, people can burrow in to your
WiFi and capture everything. That's why you need encryption even
using your own Wi Fi. These are things we're all

(21:20):
going to be learning about in the future. If you
have any horror stores on this or if you want
to talk about it, give us a call. Of course,
any problem, question or complaint give us a call at
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(22:07):
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Speaker 3 (22:16):
Help.

Speaker 2 (22:16):
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 three nine two zero sixteen
twenty two. Hi Tom Martino, you're troubleshooter. Larry is on
the line. Go ahead, Larry, I'm Tom with Mark Major Major,
Mark Major.

Speaker 3 (22:36):
What's going on? Hey?

Speaker 7 (22:38):
Tom?

Speaker 8 (22:38):
I was listening to you talking about these code readers,
and this actually happened to me. I was in Dallas
in an overnight hotel at a high end Corvette, and
I walked across the parking lot to check in, and
I noticed a black SUV all blacked out. Didn't think
much of it, But what they did, apparently is they
read my key bob as a holy Croft parking lot. Yeah,

(23:03):
and they took the car within seconds. At that time, Yeah,
this was two years ago. I talked to the Dallas
Police and they said, this is a highly organized criminal network.
You'll never get your car back. They take them, put
them on eighteen wheeler trucks and ship them over the border,
and then they immediately ship them overseas. So it's this

(23:26):
was two years ago, so it's currently happening all the time.
But I was going to share with your listeners. The
only way you can prevent that is what they have,
these little pouches. You can buy them on Amazon. They're
called security pouches, right twelve ninety nine for two of them.
You put your key fob in that and they can't
read it. They also have boxes like that for your

(23:47):
home if you wanted to put your cell phone in them,
or you're you know, you're remote.

Speaker 2 (23:51):
But this is the one fallacy about that. It does
shield them, but if you use them, you have to
take it out momentarily of the Faraday pouch to click
it on your car, right, or if you're approaching your car.
For the near sensor to work, it has to be

(24:13):
out of the Faraday pouch. So for the few seconds
you use it, that's when they capture it. They only
need a couple seconds of you clicking it or being
near the car. It's really ridiculous how easy it is
for them to clone things. Now, this technology is not
easy to come by, and you have to pay with bitcoins.
The ones that I found last night you have to buy.

(24:36):
You have to start a bitcoin wallet and pay with bitcoin.
And you just have to trust what you're doing because
I mean, if they were going to rip you off,
I guess what are you going to complain? You're not
going to complain to the authorities about it. But Larry,
I'm amazed that's this happened to you.

Speaker 3 (24:55):
But you're right.

Speaker 2 (24:55):
Faraday pouches work while they're static, but if you're going
to use them, it defeats the whole purpose.

Speaker 3 (25:01):
And if you you know, these Wi Fi blockers are scary.

Speaker 2 (25:05):
Now, some people are speculating that these athletes and thank
you for calling, Larry, but these athletes that are robbed
on game day, they all have security systems. Well, they
are speculating that these Wi Fi blockers they also block
cell phones, they block Bluetooth, they block any wireless signal.

(25:29):
So if you are blocked, if wireless signals are blocked.
Your security system might make a noise, but it can't
communicate to anyone.

Speaker 3 (25:39):
It just can't. And then so what happens.

Speaker 2 (25:42):
And also, if you have a smart device in your
home that they've tapped into, that smart device like a
smart bulb, can get the information from your security system
or can it can figure out what your code is
by you tapping it in there, and then you're done.

(26:02):
I mean, I'm telling you I'm way more paranoid than
I was.

Speaker 7 (26:06):
Now.

Speaker 2 (26:06):
I'm not saying this is happening every day, but as
technology becomes more and more ubiquitous and we can buy things,
all of this stuff, all of this stuff is becoming
more and more plentiful. And anyway, listen to this one.
This guy says, I have a buddy who owns a

(26:27):
transportation company with trailers. They F three fifties with trailers.
He got his F three point fifty connected to a
trailer hauling fifty thousand dollars worth of equipment stolen at
a gas pump within seconds, the same exact way that
guy had his corvette stolen. So this guy went to

(26:49):
get gas and in a few seconds, they took away
the F three point fifty with the trailer of fifty
thousand dollars worth of stuff. So these fobs are becoming
more and more plentiful. And again that's dangerous, not the fos,
but the cloners, the cloners for these fobs, and that's
going to be really difficult with with people because of

(27:12):
their their garages. People are going to get to their
homes and that's going to be a really big deal. Mark,
do you find yourself being paranoid? Do you figure it's
I mean, how do you stand on this? I know
you don't. We don't talk a lot about it. But
do you do you take any precautions at all?

Speaker 3 (27:32):
Just normal stuff? But I guess not really. I mean
I either someone.

Speaker 4 (27:37):
If big brother or little brother, if anybody wants to
peek in on you. I'm not quite sure how you
would not. I mean I changed passwords all the time.
I use double or triple authentication methods, which is a
pain in the ass, but I do it. Like if
I log on to my r low cameras, I've got
to have a tech sent to me, I got to

(27:58):
have a password.

Speaker 3 (28:00):
So I do a lot of.

Speaker 4 (28:01):
Stuff like that banking, I don't even have those passwords
anywhere in other words, they could they're not in my email,
they're nowhere. They're in my head, and I change them
if I forget them. So, I mean, I'm constantly doing
that stuff. Same with my Schwab accounts. I mean, and
I've got Schwab set up to where if any cash
is going in or out, there's like three different things

(28:23):
I have to sign off on at my bank. Anything
over X amount, I get a phone call before they
even think about caching it, wiring it, or acching it.

Speaker 2 (28:35):
Wow, that's pretty cool. By the way, Denverregen dot com
for stem cell therapy. They also do hormone replacement for men.
They do testosterone and they do a PRP which is
platelet rich plasma Denverregen dot com. Go with a sure
thing Denver's best roofer Excel roofing dot com.

Speaker 3 (28:56):
You don't pay a cent until you're content.

Speaker 2 (29:00):
Leave 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 oh three, seven
seven to one help.

Speaker 3 (29:12):
You'll think you're his only customer.

Speaker 2 (29:14):
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. Hey Tom Martino,
you're a troubleshooter three oh three seven one three talks
seven one three eight two five five. So in economic news,

(29:35):
the fuel prices are number one, according to according to Grock,
number one on people's minds. Gasoline prices right now, by
the way, you want to talk about gasoline prices. It's
incredible diesel is going off the charts. And consumer sentiment,
what is that? Consumer sentiment, in my opinion, is one

(29:57):
of the most important things you can and measure. The
Wall Street Journal reports on sentiment, but it's gathered by
some university on what consumers feel how they feel. And
I've once I coined this phrase, I don't care what
you say. I got proof from years and years ago perceptionomics.

Speaker 3 (30:16):
Here's what that means.

Speaker 2 (30:17):
Obviously, if you perceive the economy to be going weak
a bit, you might hold off on a major purchase,
you might hold off on a home improvement, you might
hold off on something just maybe even a couple months.
But as more and more people do it, you get
a dip in the economy. So as sentiment drops, you

(30:41):
could have an effect on spending. However, Mark the jobs
were added higher than anyone thought.

Speaker 3 (30:51):
I don't get these mixed signals. Do you get them? Really?

Speaker 2 (30:55):
Do you get them?

Speaker 3 (30:56):
I know you have your pulse on the economy.

Speaker 2 (30:58):
Why is it that we get it's such mixed signals.

Speaker 4 (31:02):
The hiring is going slower, so there is more jobs open,
there's no doubt from the job market, but people are
getting hired slower. And I think the reason that happens
there's a lot of unqualified people for the particular job,
or they simply don't want that job.

Speaker 2 (31:21):
Oh that could be okay, so slowering. It's slowing, but
the jobs are being added.

Speaker 4 (31:27):
There's more jobs available than we thought. That's great. There's
a ton of jobs available, but the hiring itself is
going a lot slower for multiple reasons. Once again, maybe
people don't want to work at McDonald's, or maybe people
don't know how to be an accountant. I don't know
each individual thing, but I can tell you this. There's

(31:49):
a lot of jobs open, but hiring's going a lot
slower because people aren't killing them.

Speaker 2 (31:54):
Now, what about this, we have sentiment dropping. People are
a little.

Speaker 3 (31:58):
Hold on I want to add something that time.

Speaker 4 (32:00):
Yeah, the other thing that we have done through multiple administrations,
going back to say eight, is we took a lot
of people and gave them a lot of free stuff.

Speaker 3 (32:11):
So when you're used to getting free stuff for a.

Speaker 4 (32:13):
Long time and a job does open up at twenty
twenty five bucks an hour or whatever that looks like
wherever you live. If you're getting that basically for free,
and you can play call of duty every day, why
would you go back to the workforce. I mean, you
get free healthcare, you get your food stamps, you get
whatever you get.

Speaker 3 (32:34):
You're running eight.

Speaker 2 (32:35):
There's no incentive. There is no incentive. And one of
those things talking about incentive, we can talk about what
Medicaid has done.

Speaker 3 (32:43):
Now.

Speaker 2 (32:44):
I think it's good that Medicaid and you even mentioned
maybe we make Medicaid for all, make an aggregate system
for the whole country. But here's the bottom line, Medicaid
that's a big deal. Do you know if you make
a certain amount of money, you lose Medicaid. Of course,
but at that juncture, it's still pretty expensive to get healthy.

Speaker 4 (33:05):
I think everybody, if I had my way, everybody would
get what I want to refer to is basic insurance.
I don't even know what that would cover, but it's
basic insurance. Everybody gets it. If you want something better,
all the markets open up. Whoever wants to sell insurance,
whoever wants to do direct pay, like if there's a hospital,

(33:26):
like my dentist. I'll give you an example. I love
my dentist. We pay I think one hundred bucks a
month to our dentist, and we go in anytime. We
want to basically get anything that would be great for healthcare.
There's numerous ways to do it, but there should be
a base level everybody gets, and I mean everybody. I
don't care if you're a billionaire or broke. Everybody gets

(33:48):
the base level. Then you can buy better coverage.

Speaker 2 (33:52):
I think that's a great idea, by the way, and
I think you can extend that to car insurance with
road taxes if you tax people at the pump or
I don't know what you do with evs, but we
figure out a way to tax by mileage or something,
and then people get basic insurance so you're not having
a lot of uninsured drivers. Then if you want to
buy extra for property damage or for other kinds of coverage,

(34:16):
for pain and suffering.

Speaker 3 (34:17):
You know, medpay and all that.

Speaker 2 (34:19):
You can buy extra coverage, but you have a base
level provided by making sure everybody pays in. And that's
what I think you're talking about with with health insurance.

Speaker 3 (34:30):
Every hunch out.

Speaker 6 (34:31):
How about people who are here illegally, Well, then okay,
that has been a huge drain on the healthcare system.

Speaker 4 (34:40):
It's badly But that's that's a totally different discussion. And
the only reason I say that is they're not supposed
to have that stuff now, I mean, big deal. It's
like it's craziness. I don't know how you answer that.
They got the borders closed, they're getting people out that
shouldn't be here, that they're working on it doc I mean,
I don't announce to put it.

Speaker 3 (35:01):
Also, I think they'll think the hospitals. I don't care
if you're here legally.

Speaker 4 (35:05):
I mean basically, if you fall and crack your skull
open and your brains are dripping out.

Speaker 3 (35:11):
Yeah the hospital needs to stitch you.

Speaker 4 (35:13):
I have no problem with Corse, but like, no, no,
like that crazy mayor of Los Angeles, now, who's gonna
be lucky to hold on to her freaking whatever.

Speaker 3 (35:24):
I'm not going to get into that part of it.
But she wants to.

Speaker 4 (35:27):
Get new teeth for crackheads. Yeah, homeless crackheads, because your
teeth are bad. That's gonna fix them up. You think
by giving someone dentures they're gonna get off crack and
get a job.

Speaker 3 (35:38):
She's got to be the dumbest in the world. No,
she is.

Speaker 2 (35:41):
She's crazy, and I don't know if she's gonna win
or not. By the way, speaking of the Medicaid thing,
you make a certain amount, it's cut off completely and
then the money you just made, the additional money goes away.
I think they should phase that out slowly so you're
not just cut off, and then that would incentivize people
to work and.

Speaker 3 (36:01):
Gradually get their own insurance. By the way, we have
a lot more to talk about.

Speaker 2 (36:04):
Tune in or call us at three oh three Martino
three oh three six, two seven eight four sixty six.
Go with a sure thing Denver's Best Roofer Excel roofing
dot com.

Speaker 3 (36:15):
You don't pay a cent until you're content.

Speaker 2 (36:18):
Plead time for an insurance check up free no obligation
comparison call Compass insurance paying too much your coverage at
dozens of insurance companies find Out Now three oh three,
seven to seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two.

Speaker 3 (36:41):
Forty five years strong.

Speaker 1 (36:43):
Solving your problems, answering questions, taking complaints.

Speaker 3 (36:47):
This is the Troubleshooter Show.

Speaker 2 (36:49):
No Tom Martino, I'm hello, Hello, Hello, I'm Tom Martino
with Major Mark Major. We are doing a show where
we solve problem we answer questions, we take complaints, and
we make your life just a little easier. All you
have to do is give us a call if you
have a problem, question or complaint. By the way, there

(37:12):
is a law that has gone into effect. It was
signed into law by the governor which stops questionable transactions
at a bank.

Speaker 3 (37:24):
So that's good news.

Speaker 2 (37:25):
A bank has the right to stop a transaction. Let's
say an eighty two year old customer suddenly wants to
wire seventy five thousand dollars to somebody. They can actually
stop the transaction if it sounds suspicious or looks suspicious,
and they can ask questions about it.

Speaker 3 (37:46):
That's Colorado law.

Speaker 2 (37:49):
It's a law now was it started as house built
twenty six eleven ten, twenty six Dash eleven ten, and
it has has been signed by the governor. So what
we have now is a safety precaution. Now, some people
are saying, you know what, that could be a pain
in the ass if you're doing a legit transaction or

(38:11):
you're doing something and you want your money to go somewhere.
How much power should the bank have? How long should
they halt it? Well, the law says they have to
qualify as a vulnerable adult. Okay, I don't know what
a vulnerable adult would be considered, but it's older, incapacity,
possibly with disabilities or impairments.

Speaker 3 (38:34):
So the bank has to make a judgment.

Speaker 2 (38:36):
Call here, and let's say they're unable to protect themselves
from exploitation and the bank has reasonable suspicion that something
weird is going on. So it allows the bank to
halt the transaction or to delay it and ask questions,

(38:57):
possibly even contacting law enforcement.

Speaker 3 (39:01):
Mark, how do you feel about that law?

Speaker 2 (39:03):
How do you think? I like it.

Speaker 3 (39:04):
I don't see any negative to it. No, neither do
I now people.

Speaker 2 (39:09):
I mean, I can see headstrong seniors, even myself. For example,
as I get older, I could see where I get
really pissed off.

Speaker 3 (39:16):
Let's say I want to.

Speaker 2 (39:17):
Do a land deal or I want to do a deal,
and I have often had to wire money I have
for certain deals, and you know, and I don't know.
I might get pissed off if they say, well, do
you know who you're wiring to and do you know this?
But then again maybe I wouldn't because I'm thinking.

Speaker 3 (39:34):
Of the greater good.

Speaker 2 (39:36):
At some point, we have to do something about these scams.
There are so many of them. But it's going to
be triggered mainly by big cash transfers. Big cash transfers,
and I want to talk to people who have elderly
relatives and friends.

Speaker 6 (39:56):
Hey, Tom, you the same old question about security versus freedom.

Speaker 3 (40:01):
I mean, yes, it is, Yes, it is.

Speaker 5 (40:03):
There's a balance between the two.

Speaker 2 (40:05):
There is. There is definitely a balance, and we run
up against this all the time, and I.

Speaker 6 (40:10):
Think it's I think, you know, having dealt with this
both here and a ARP, I think it's a great idea.

Speaker 5 (40:18):
You know, You're all you're doing is stopping for.

Speaker 6 (40:20):
A second, making sure they understand what they're doing, and
you can't prevent a lot of heartache.

Speaker 5 (40:27):
I think it's a great idea.

Speaker 2 (40:29):
Now a lot of people are saying that banks are
going to be liable because they have the power, and
if they don't exercise the power, you might have family
members saying, wait a minute, why didn't you protect my mother?
Why didn't you protect my father? You know, and then
they're going to be in trouble. So banks have to

(40:50):
really be aware of this because with that privilege, if
you call it a privilege, well, with that responsibility comes
some weight, and that is why didn't you use your responsibility?
Why didn't or your authority let's put it that way.
With authority to stop a transaction like that comes responsibility.
So you can say, why didn't you use your authority

(41:11):
to protect my father? So so Doc and Mark, I
can see that happening. I can see where people are
going to be pissed off if their loved ones gets
taken advantage of with this law in place, I wonder
if they ever considered that you're exposing banks to lawsuits,
what were you gonna say?

Speaker 6 (41:31):
I think it's going to be like the Good Smaritan law.
You know, if you render aid no one in Colorado
has ever been sued under the Good Samaritan Act, and
I think that will be what eventually happens.

Speaker 2 (41:44):
Yeah, but Doc, we're not talking about being sued for
doing it.

Speaker 3 (41:47):
We're talking about we're not doing it right, we're not
doing it.

Speaker 6 (41:51):
I think it'll be the same thing in reverse that
you won't be sued for not doing it because Okay,
it's too wide open. So I doubt that you'll be
able to bring a case where they didn't do it.
So that's a pood thing that the banks are encouraged
to do.

Speaker 3 (42:08):
That's possible.

Speaker 2 (42:09):
That's possible because we do have people who who are
not going to be stopped.

Speaker 3 (42:16):
And I know we're going to get a call.

Speaker 2 (42:17):
We'll get a call on the show and they'll say,
my aunt or my mom took out fifty grand and
wired it. Why didn't the bank stop them? In fact,
we've had cases like that without this Lawmark, I know
you've heard them where people were mad at the bank
and said why didn't they do anything? Or couldn't they
have couldn't they have notified us? And that's where it

(42:38):
gets weird. Here's what I suggest, and I'm really serious
about this. I know we want to be autonomous as
we get older.

Speaker 3 (42:45):
And I'm really serious, by the way, and.

Speaker 2 (42:48):
I'm speaking, I'm going to give you some insight information here.
Over the last year and a half, Okay, I've had
some struggles.

Speaker 3 (42:54):
I have.

Speaker 2 (42:55):
I mean I've had some struggles. I've been going through
some massive treatments and there were times maybe I wasn't
at the top of my game. And Mark tried to
tell me that. And listen, we can speak firsthand. I mean,
I would say, oh, you're full of it. You know,
blah blah blah. You don't want to believe it. You
don't want to believe you need help, you don't want

(43:16):
to believe that something is going wrong. So as you
get older, I can see where this is going to
get some resistance from older people. But here's what I suggest,
even if they're thick headed like me, if you have
older relatives, you should be on their account where it
requires both signatures.

Speaker 3 (43:35):
Now, they may not like it, but it's for their
own good.

Speaker 2 (43:38):
If you can talk them into it, it would be
a good idea. Now, Mark, I don't know to what extent,
and I don't think your parents are feeble or anything,
but have you given thought in the future of doing
something like that for your parents. See, my parents are gone,
so I can't talk to my parents but about it.
But have you talked have you thought in your mind
about as the future goes on about these banking skills?

(44:00):
Have you ever thought about it? Like maybe a lot.

Speaker 4 (44:03):
Of their money is going to be basically in retirement accounts,
right that I have control over, so none of the
money could really be moved.

Speaker 2 (44:12):
Out of their good excellent, And that's the way to
do it. And again, you have people who are going
you give.

Speaker 4 (44:19):
Them an allowance. I give them seventy three dollars a week.

Speaker 2 (44:24):
No you're kidding, right, Yes, okay, but by the way,
that's not out of the realm of possibility.

Speaker 3 (44:33):
Telling to have it, you have to monitor spending.

Speaker 6 (44:36):
Go ahead, docs, are you have to do it before
they get scammed, because once they get involved in a scam,
you know from experience how hard it is to talk
people out of it when they convinced to something. But
if you do it before they get scammed, I think
that's the time to do it.

Speaker 5 (44:54):
Hey, so you can prevent it.

Speaker 2 (44:56):
Now, Doc, you're pretty sharp, but let's face it, you're
up there in age I'm up there in ajyor a
little older than I am. Have you ever had people
talk to you as if you needed a little help
here and there?

Speaker 3 (45:06):
And did you resent it?

Speaker 2 (45:07):
Only you guys, No no, but you're gonna say no,
really no no.

Speaker 3 (45:11):
But do you ever resent?

Speaker 2 (45:12):
Do you think you would resent it?

Speaker 3 (45:14):
Though?

Speaker 2 (45:14):
When you were going through your battle years ago with
Campas was only fifty years old, then oh okay, okay,
but that was different.

Speaker 6 (45:22):
You know, you know, I have a great relationship with
my son, so I think if you know, if anything
was if my mentation was somewhat affected, he would he
would say something.

Speaker 2 (45:34):
All right, Well that's Deputy Doc. We got major, Mark Major.
We're waiting for your call. Zero three seven one three
talks seven one three eight two five five. Here's the deal, Okay.
We love solving problems. And by the way, you know
it's it's really a good thing that we do because
we do have Deputy Doc and people like that who
can get on the case. So will let's talk. You

(45:54):
have a little update here with bo What it should
we get bo on take a break and get bow
on or can we take this call acts? What should
we do? I can't explain what happened. I think, okay,
will tell me what happened? Will go ahead. When did
you call originally?

Speaker 7 (46:11):
Uh, February sixth, twelfth, February.

Speaker 2 (46:14):
Twelfth, Okay, what's going on? Man?

Speaker 5 (46:17):
Well?

Speaker 9 (46:18):
So I had dealt with Waste Connections for removal, you know,
having a dumpster at my yard, and I just couldn't
get them. I canceled it, but I had horrible time
trying to get them to even accept.

Speaker 3 (46:29):
The cancelization, and then they overcharged.

Speaker 9 (46:32):
Me and Bo was able to get a couple hundred
dollars back.

Speaker 2 (46:34):
Mike, I remember that.

Speaker 10 (46:37):
Yeah, And so I.

Speaker 9 (46:38):
Always think like, if somebody has a customer service and
they answered their phone, that's a good thing. But what
Waste Connection did was they'd answer their phone, but they
said I could only talk to the field rep to
deal with anything. The field rep never called me back.
I could never deal with him. There was nobody in
their office that would ever help me. I just stopped
paying them and then they finally dropped it. But it

(47:01):
took you know, it cost me like eight hundred dollars
to do that.

Speaker 2 (47:06):
That isn't that's crazy. That's crazy.

Speaker 9 (47:09):
And you know, what do you think if they answer
their phone. They're going to have customers users, but they
By the way, let me talk to anybody.

Speaker 2 (47:15):
By the way, you bring up a very good topic
when I talk to businesses and I consult businesses and
give talks now and then about customer service. You're bringing
up something that I talk about called roadblocking, and I'll
elaborate on that more because it's something that really pisses
consumers off to a point where you mentioned it twice

(47:37):
or three times they answer their phone.

Speaker 3 (47:39):
They answer their phone. It almost would.

Speaker 2 (47:42):
Be better if they didn't, because then you wouldn't expect anything.
So we'll talk about that and more coming up on
the Troubleshooter Show. Go with a sure Thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent
until your time for an insurance check up free no obligation.

(48:06):
In comparison, call Compass Insurance paying 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. Hi

(48:29):
Tom Martino, your troubleshooter. Three oh three seven one three
talks seven one three A two five five. All right,
now we have we have roadblocks. Let me explain that.
So the guys said they had a customer service line,
but what they did was they had no authority to
do anything.

Speaker 3 (48:50):
That is the number one no no.

Speaker 2 (48:53):
When you consider a little roadblock or a little block
in a stream of water, or a little block in anything. Hey,
it starts building up and getting bigger. When you offer roadblocks,
or when you put up roadblocks or obstacles to consumer complaints,
they get bigger and people start hating the company. It

(49:14):
could be a small problem at first, but then it
grows bigger with frustration and the worst thing, I've even
said this in talks before to companies. The worst thing
is providing a customer service department or number or email
or something where they can do nothing and they say, well,
we're waiting for so and so to respond. You should

(49:36):
even have it if they can't do something on the spot.
You should have limited authority. You should give limited authority
to the people you have in customer service to allow
them to go to a certain dollar amount, or do
a certain thing or whatever it is, depending on the company.

(49:56):
So if then you won't feel this block. You won't say, man,
what the hell why do you even have the number listed?
Because that's worse than having no number. So, if you
get to talk to people, the people should have authorities.
So if you offer people customer service, make sure it
is customer service and that they do have authority. Now

(50:21):
you may have a certain dollar amount or a certain
obligation that the customer service department has to check with
someone first, but you don't say to them, wait, I
have to check with someone first, or you have to
talk to so and so. That person should be the
one that handles the problem from beginning to end.

Speaker 3 (50:43):
People like continuity.

Speaker 2 (50:45):
They do not like explaining problems again and again.

Speaker 3 (50:49):
So obviously you should have customer.

Speaker 2 (50:52):
Logs of the complaints and the one person who takes
the complaint. It would be best if that person could
be their point person for that particular problem. And then
when then you say okay, rather than say I got
to check it out with the authorities, or I don't
know if I can do this, or I don't have
the authority to do this, you say something like this,

(51:13):
I'm going to be working on this right away, CAI
mere number to call back right You don't say I'm
going to check, and then what you do as you check,
you do what you have to do, but you don't
tell the consumer that, and then you give consumers updates.
If it's going to be a few days, you can say,
you know, we're working through this. We really want to
come up with a resolution for you, and it might

(51:33):
be a few more days. Let them know that. People
tend to avoid customer service calls when they don't have
a solution right away. They say, what is the update? Well,
the update could be we hear you, we see you,
we're working on it, okay. Because just being a customer
without hearing anything, it bothers you. And that goes for

(51:57):
any kind of a customer, even with a practice. If
you put in a request for a refill okay, and
you did it on an automated phone system or online,
what you want is some acknowledgment that they're working on it.
Maybe a voicemail, maybe an email, maybe a text, just

(52:19):
to let them know you're heard and you're seen. That
is the very first thing customers want. It's not even
necessarily the problem they're calling about. They want to be
seen and they want to be heard. And again, the
more people repeat a problem, the bigger it gets to them.

(52:43):
So you can start out with a small problem, and
if you don't have the adequate means to handle that problem,
you're going to end up with a bigger problem and
a bigger well a consumer who's really pissed off, and
that's where you get bad review. So, as I said,
the roadblock was the bad thing in this case. Do

(53:05):
not do a roadblock. Have customer service people with authority,
give them stickiness so they stick with a problem, and
that they are in charge of a certain number of
problems through resolution, so the consumer does not have to
repeat themselves. And at the very worst, if you do

(53:26):
have to hand it off, you hand it off with
complete history, and the new person picking up the case
echoes that to the consumer, so the consumer knows, oh,
they know me, they know about my problem. I don't
have to start from scratch, because that's people hate doing

(53:47):
that when they complain, when you're transferred to someone and
you have to explain the entire problem, or that person
looks in the notes and that notes don't have all
of the nuances that took place with this consumer problem.
I hope it'm making sense right. You give them authority
or give them history, have them stick with you and

(54:10):
or stick with the customer, and then have it go
through resolution. And if it's going to be a while
for resolution, give updates. Even if the update is we're
still working on your problem. Please be patient. We appreciate
your patients. We're still working on the problem.

Speaker 3 (54:31):
By the way.

Speaker 6 (54:32):
Yeah, one of the biggest things when when we change
shifts is letting the encore whoever it's been placing you
on your patients, to let them know exactly what's going on. Oh,
so many issues when people don't give reasonable updates and
just hand off a patient. And that's where a lot
of lawsuits come in.

Speaker 2 (54:54):
You know, doc, especially in medicine, the last thing patients
want to do is have to explain what the previous
shift did or you mean you don't.

Speaker 3 (55:02):
Know, blah blah blah. You know, they hate repeating it.
They hate it.

Speaker 6 (55:07):
We get that drilled into our heads. Give them all
the information about the patient.

Speaker 2 (55:13):
Right, and then they should echo that to the patient
so the patient knows they're in good hands. Oh, I
understand that Rebecca was doing this, this, this, and this,
and we're going to continue this and you'll be doing
this and just let them know and your imaging is
set for eight o'clock and you know whatever, Just let
them know that the new people are on track when

(55:34):
they change shifts. That's a great, great topic. When it
comes to medicine. You want that for sure. And that
goes for auto repair or that goes for any handoff
on any problem. Keep it consistent and cut down. This
is the advice. Cut down on the number of times

(55:54):
a consumer has to repeat the problem. The more they
repeat it, the bigger it gets in the more frustrated
they get. And speaking of that, we're going to tell
you the latest on this other vibrant health systems.

Speaker 3 (56:08):
Apparently this guy is it's.

Speaker 2 (56:11):
Happening to a lot of people, this Brian Oakes, and
I found him on LinkedIn and he's bragging about I
build and lead sales teams. My mission is simple, this
is on LinkedIn. Help our team break through financially. Yeah,
but you don't help consumers. And he's listing himself with

(56:34):
Health is Freedom. Health is Freedom. He says he's the
founder and chief executive of Health is Freedom. On LinkedIn,
and the guy, I'm telling you he's bad news. Even
in the comments on LinkedIn, you're hearing from people who
were promised money back guarantees and he's ghosting them. So

(56:56):
I gave out his number. I'm going to give it
out again, Brian Oaks. Tell him you heard about him
on the air that he's a charlatan. Four one two
five two three zero four six eight. He he he
offers money back guarantees. He sells things like this red
light therapy for like fifteen grand, and then he ghosts

(57:18):
you once you buy it. His numbers four one two
five two three zero four six eight.

Speaker 3 (57:25):
It's important you let him know you heard about him.

Speaker 2 (57:28):
You heard about him, and you're gonna you're you're not
gonna use him, and you're gonna pass the word around.
By the way, speaking of passing the word around, Vestera
Turnkey can help you become a landlord. All you have
to do is contact them and they will walk you
through the whole process, including when it comes time to
sell for profit.

Speaker 3 (57:46):
My biggest return dot.

Speaker 2 (57:49):
Com 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 O three seven

(58:12):
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. Hi Tom Martinez
here with Major Mark Major. We're solving problems, answering questions,

(58:32):
taking complaints. So there's Brian ox ochs Vibrant Health Systems
with selling this red light therapy at seminars. You would
go there, he'd be a speaker and then sell you
these things and give you a six month money back
guarantee and then ghost you. So you can find them
on LinkedIn if you want to. I put a comment

(58:53):
on LinkedIn. He's Brian. You'll find Brian with a Y
and then O C E H S Brian with uh
with a Y, so b R Y A N and
then O C H s UH. The heading says, join
our salesforce and become financially free, and then he's He's

(59:17):
saying that he is the founder and chief executive officer
of Health is Freedom and then before that he was
a senior team leader at Aris and Van Vivint So,
so the guy has been in sales, but he's a
sleeze bucket. Just want to let you know that he's

(59:38):
a freaking sleeze bucket and has ghosted this one woman
who called us for help and he's not He's called it.
Wait did he call us back or we got him?
And then he said he was going to go on
and then he quit he didn't go on.

Speaker 3 (59:52):
What was the story? Did he say he would go
on the air ax?

Speaker 2 (59:56):
What was that and.

Speaker 3 (59:57):
Then and then changed his mind or did he just hang.

Speaker 2 (01:00:00):
Not or what?

Speaker 11 (01:00:02):
So I got him on the phone and he knew
about the situation, but the first time when I called,
he didn't want to go on air, and then when
I recalled, he still didn't want to go on air.

Speaker 2 (01:00:12):
Okay, all right. Also, he's listed as a speaker at
this seminar, this Biohackers World whatever that is.

Speaker 3 (01:00:25):
Biohackers.

Speaker 2 (01:00:27):
Those are people that tout I guess cutting edge health stuff.
It's a bio Hackers World conference. And I'm not sure
when it was held. But in any case, he was
going to be a speaker there. Again, there's so much Okay,
they have him in New York, in Chicago, that's the biohackers.

(01:00:49):
By the way, he was just going to be a
speaker there. I don't believe he has anything directly to
do with them. But a biohacker, by the way, is
someone who tried new and different things. One of the
things now a lot of biohackers are doing are amino acids,
peptides what are they call, yeah, peptides. They're trying to

(01:01:12):
get these peptide treatments for different ailments or different things.
They have them for brain development. Now they're totally untested.
In fact, when you go to find them, you'll notice.
And I'm not throwing these guys under the bus. I
think one is called peptide Sciences. When you go there,

(01:01:33):
they tell you it's for animal use. Okay, But anyway,
they're short chain amino acids. They're the building blocks of proteins.
And then different peptides do different things and they signal
the body to do different things. And therefore the way

(01:01:55):
you take them is you buy them and you say
that you're buying them for your pet. They send the
injectibles along the little vials along with a little you know,
like insulin needles, and then you do your own injecting
and they promise all kinds of things peptide therapy. You know,

(01:02:16):
you can do one for memory and cognitive ability, you
can do one for muscle building, you can do it
for whatever they tell you what it's for, of course,
for your animal, for your pet, because I don't think
there are any of them that actually sell them for humans. Okay,

(01:02:38):
now a legit clinic would do that. They will do
peptizes for you, like Denverregen dot com.

Speaker 3 (01:02:44):
They'll do them.

Speaker 2 (01:02:45):
But if you want to buy them on your own
and biohack and do your own thing and try different
ones that haven't been fully tested, that's where you have
to say it's for your pet, and then they'll send
them to you and wink win you do it.

Speaker 3 (01:03:01):
In fact, they've had something.

Speaker 2 (01:03:03):
They have some peptide I'm seeing here for handling sleep apnea,
So if you you know, and and by the way,
that's how the weight loss industry was doing. The GLP ones.
I don't know if they're considered a peptide or not.
I actually don't are they okay? And so that they

(01:03:24):
were doing those as peptides, and while they're not totally regulated,
that one is, but there are some that are totally
unregulated by uh the FDA, So you're doing it at
your own risk. And the one that I went, I'm
trying to find it here. Yeah, Peptide Science is I'm

(01:03:45):
not telling you to buy this. By the way, Peptideesciences
dot com, now listen to this. I just went to
peptide Sciences dot com and it says, after careful consideration, man,
this is a big red a block, a red lined

(01:04:05):
redline text. After careful consideration, Peptide Sciences has decided to
voluntarily shut down operations and discontinue the sale of its
research products. Yeah, and this were the ones for animals
research products. Peptide Sciences retains all rights, title, and interest
in all this stuff and associated goodwill, and will continue

(01:04:31):
to protect and enforce those rights.

Speaker 3 (01:04:33):
I don't know what that means.

Speaker 2 (01:04:34):
We're deeply grateful for the trust and support you've put
into us. Any website, platform, entity, or individual claiming affiliation
with us representing themselves as a successor, of course, is
in violation of This peptide Scientist does not authorize any
third party to use its brand name, trademarks for likeness.

(01:04:56):
We actively monitor and enforce our intellectual rights. So basically,
no more peptide sciences. They must have been getting a
lot of crap because they completely shut down. So I
can't tell you where you would go to hack your own,
but that's what body hackers do. They find out stuff
like that. In fact, they have the you know, they

(01:05:20):
not peptize, but they have other things that they sell,
and peptide scientists of course doesn't sell them.

Speaker 3 (01:05:25):
They're not there anymore.

Speaker 2 (01:05:27):
But they had those self tanning things you would give
yourself injections for tanning and stuff like.

Speaker 3 (01:05:34):
That, and those are all but gone right now.

Speaker 2 (01:05:38):
So I guess maybe the FDA is UH is maybe
clamping down on them. I don't know, but you can't
find this peptide science anymore. And you used to be
able to buy them as long as you said they
were for your pet threeho three seven one three tok
three oh three seven one three eight two five five.
If you have a problem, question or complaint, give us

(01:06:00):
a call. We'd love to talk to you. And one
of the things I love talking about is water waterpros
dot net the best water system at the kitchen. Think
you can have for reverse osmosis from drinking water just
eleven hundred dollars fully installed. Never buy bottled water again
three oh three eight six two five five five four.

(01:06:21):
By the way, the website has all of their prices
for all of their systems.

Speaker 3 (01:06:25):
Waterpros dot net.

Speaker 2 (01:06:30):
Go with a sure thing Denver's best roofer Excel roofing
dot com.

Speaker 3 (01:06:34):
You don't pay a cent until you're content.

Speaker 2 (01:06:40):
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 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. Hey Tom Martino here

(01:07:05):
in three oh three seven one three talks seven one
three eight two five five so on other consumer news.
Remember Brian Oaks the name, I just want to put
that out there. Keep away from him and the blue
Light seminars. I don't know what they call it Vibrant
Health Systems. I don't even know if that's still around anymore.
Just stay away from them and we have other stuff

(01:07:29):
to talk about in consumer news. For the peptides. By
the way, somebody just texted me and said, some of
the FDA is cracking down on peptides because they are
not FDA approved and that's why they were selling them
for their for their pets only, and that's why the
peptides were done away with.

Speaker 3 (01:07:51):
As far as as far as uh.

Speaker 2 (01:07:54):
The guy on LinkedIn, Brian Oakes, he doesn't have vibrant
health on linked In. On LinkedIn, its health is freedom.
Health is freedom. So that's why you won't find them
on the other one. By the way, WEIMO is recalling
thirty eight thirty eight hundred vehicles due to a software

(01:08:17):
issue that I just don't understand.

Speaker 3 (01:08:19):
Here's what it says.

Speaker 2 (01:08:20):
It allows them to inadvertently drive into standing water on highways.

Speaker 3 (01:08:28):
What does that mean?

Speaker 2 (01:08:29):
Does that mean that it doesn't avoid the water or
it purposely aims for the water.

Speaker 3 (01:08:35):
I don't exactly know what that means.

Speaker 2 (01:08:37):
Mark, does your auto drive car, your Tesla model s plaid,
does it go through puddles in water or does it
steer around them.

Speaker 4 (01:08:46):
It'll steer around if it wants to. Yes, absolutely, It
sees them, then determines what to do. It pretty much
knows the depth.

Speaker 2 (01:08:55):
Yeah, they look at the reflection or something. Well, these
weimos supposedly have some kind of a glitch and they're
driving right through puddles of water and standing water, which
can be they say, unsafe, So they have a recall.
Ford is recalling, listen to this, nearly a half a

(01:09:16):
million expedition and link in vehicles because of faulty seat belts.
What they do is they inadvertently lock up. Now that's
not as bad as inadvertently not locking up, right, I
mean they lock up.

Speaker 3 (01:09:32):
You know, they can ratchet a bit and be tight.

Speaker 2 (01:09:35):
But anyway, they're recalling four hundred and twenty thousand of them,
and Toyota has recalled more than five hundred thousand, five
hundred and fifty thousand Highlander and Highlander Hybrid SUVs because
the seats are not properly locking into place. There's a

(01:10:00):
parts defect and it says it may prevent the seats
from locking. Now, I don't know if you've ever driven
a car where the seat gives way but you may
as well just say crash, because when you're in the
front seat, if you have a driver's seat and it
gives way and it goes back, that's dangerous as hell.

(01:10:21):
In fact, in airplanes they are so hell bent on
securing those they have all kinds of pins and safety
rails because that would be that would be a catastrophic event.

Speaker 3 (01:10:34):
If you're taking.

Speaker 2 (01:10:35):
Off right and then all of a sudden that seat
goes back, You're done. I don't even know how you
recover from that, because you're strapped to the seat and
the seat goes back.

Speaker 3 (01:10:44):
You got the controls in your hands.

Speaker 2 (01:10:46):
More than likely you held onto them, and you just
put yourself into a severe climb and stall, or you
let go and you go into a dive, and then
you have to try to struggle to get the seat
back to where it was. So seats are important in cars,
of course too, So Toyota five hundred and fifty thousand
Highlanders and Highlander hybrids. Okay. There is also in consumer

(01:11:12):
news a crackdown on illegal representation of health products. So
the FTC is cracking down not only on supplements but
on red light therapy machines and other similar devices. That

(01:11:32):
are being touted for pain relief and cures.

Speaker 3 (01:11:36):
So all of that we can talk about in more
coming up.

Speaker 2 (01:11:40):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven one help. You'll think you're his only customer

(01:12:02):
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 3 (01:12:11):
Forty five years strong.

Speaker 1 (01:12:13):
Solving your problems, Answering questions, taking complaints. This is the
Troubleshooter Show. No Tom Marcino.

Speaker 3 (01:12:22):
Hey, Hey, hey, welcome to the show.

Speaker 2 (01:12:25):
Solving your problems, Answering your questions, taking your complaints, Major
Mark Major.

Speaker 3 (01:12:29):
I guess we're gonna be talking about hailstorms a little.

Speaker 2 (01:12:31):
We had a little more hail in the metro area,
Yeah we did.

Speaker 4 (01:12:36):
We're gonna get Henry or Jay Branson. Apparently that stuff
in Denver was crazy man like up over one inch
a couple days ago.

Speaker 2 (01:12:47):
Yeah, I didn't realize it was so bad. Like what
areas were covered? Henry, Let's go to Henriette excel roofing
as I like to say, excel as an excellent ex cel.
But to Henry, do you know the extent? So I
can warn people? Because I got a phone call in

(01:13:07):
my subdivision, you know where I live. I got a
phone call saying they said, we're going to be in
the neighborhood inspecting roofs for your insurance company. Now what
a line, come on, But that's what they said. So
obviously they were out and about. So Henry, what is
that all about? What neighborhoods were hit? Do you know?

Speaker 12 (01:13:30):
Yeah? So we saw a lot of hail, a lot
of hail in Bendver. I mean, if you've seen it
in the news reports. They were using skid steers to
get rid of all of it. But that was mostly
one inch hail. That area around Capitol Hill got smacked
pretty hard. It was up to golf ball sized hail,
so it was pretty severe. We also got some scatters
dorms around Aurora and then some storms closer to Mark

(01:13:52):
Down and like the Parker area and we have already
seen these door knockers and storm chasers coming in.

Speaker 3 (01:14:02):
Oh yeah, oh yeah.

Speaker 12 (01:14:03):
The scam that they run, I mean, you know it.
They knock on your door, they try to get you
a to sign an agreement to meet with your insurance company,
but it's really a roofing contract. And then we've been
seeing some of these contracts come up and they have
a twenty to forty percent cancelation fee, and so the
roofing door knocker will get the customer to sign it.

(01:14:25):
All of a sudden, they're locked into this contract for
ten twenty thirty thousand dollars and has a twenty to
forty percent cancelation fee. And then on top of that,
they usually demand money from the customers up front before
they even start the project. So that's what happens with
all these storm chasers, and especially recently, they've all been
claiming their local but they just move them around the country.

Speaker 2 (01:14:47):
Of course, so the rule is, don't go with a
company that hasn't been there before the storm. They have
to be older than the storm in your area. Excel
Roofing has been here thirty years.

Speaker 3 (01:14:59):
That's you want.

Speaker 2 (01:15:00):
You don't want to go with a new company. I'm
sorry you don't.

Speaker 4 (01:15:04):
Okay, you got to be so careful with those stupid
door knockers if they're not a local company, and even
if they are a local company, I'd watch it, just
honest to god.

Speaker 3 (01:15:16):
They'll trick people.

Speaker 4 (01:15:17):
Into signing stuff, and like Henry's saying, then you'll find
out you don't want to go with them because they're
out of Texas or Florida, is somewhere. They're not going
to be around for warranty work. And to get out
of the contracts. They tricked you into signing it, you
can't afford to do it, so you're screwge. You end
up going with them, then if you ever need warranty work.

Speaker 3 (01:15:36):
Good luck.

Speaker 2 (01:15:38):
That is where the problem really comes in, is warranty
work and follow up work. But they take money upfront,
and then let's get right to the real sheets. Some
of them take money upfront and you never see them again. Okay,
you still see them again. And then some of them
they are agriate. They are buying contracts, buying. Yeah, they're

(01:16:01):
originating and selling the contract. So you're not even the
people at your door or that looked at your roof.
They might give you a name of a roofer. They
don't know where that contract's going. They sell it to
anybody on the open market. So you have a lot
of stormshasers that come in and then they buy open contracts, so.

Speaker 3 (01:16:22):
You have no idea who you're dealing with.

Speaker 2 (01:16:25):
You could be dealing with someone out of out of
you know, Oklahoma, who came here for a few days
and bought some contracts and then they're gonna leave again.
As far as warranties, forget it.

Speaker 3 (01:16:36):
And here's what I don't like.

Speaker 2 (01:16:38):
I don't like that they they misrepresent the inspection like
they're doing it for the insurance company. They're not doing
it for the insurance company. There's not one insurance company
I know of that will send roofers out to inspect roofs.

Speaker 3 (01:16:55):
They won't.

Speaker 2 (01:16:57):
And what they do is they send out their adjuster,
but usually you have to call them.

Speaker 3 (01:17:03):
And speaking of that, if you.

Speaker 2 (01:17:05):
Are curious about your roof, I wonder if I got hit,
what you want to do is call a reputable roof
for like Excel, and have them check it. Why because
then they will let you know if you have a
claim or not. Because if you have a claim, that's
when you want to let them know that you have

(01:17:30):
a claim after the roofer tells you, not beforehand, because
again I can't stress this enough. Your clue report will
reflect that you inquired about a claim, and even though
the claim was not paid, let's say you didn't have
any damage, they still counted against you as a higher risk.

(01:17:53):
So if you had a guy that called in twice
about claims to find out and never had roof damage.
Never he called in twice, never had roof damage, then
you have another guy that never called in even though
they paid out zero on each homeowner. Even though they
paid out zero, they're going to count that against the
one who called in, and so you're going to be

(01:18:14):
a higher risk. So call a roofer and then don't
pay money up front. As Henry said, they want to
get your insurance check. They love getting that first insurance
check because that ties you to them. So don't make
a down payment. Don't sign at the door. All of
these things. Man, these people are hating us for us

(01:18:37):
telling you this, but don't do it door to door.
Don't sign at the door door to door. If they
want to look at your roof, you could have them
look at it. Don't sign a thing, and don't let
them meet with your insurance company. You don't want to
give them approval to proceed. In fact, I wouldn't let
them look at my roof. I would just call a

(01:18:58):
good roofer to look at my roof. And that's the
way I would do it. Three O three seven one
three talk usn't remember, by the way, here's where you
call excel three oh three seven sixty one sixty four
hundred three oh three seven sixty one sixty four hundred
or excel as an excellent ex Cel Excel roofing dot com.

Speaker 7 (01:19:24):
Uh.

Speaker 2 (01:19:24):
Again, no matter how much we say it, there will
be people who let the doorknockers on their roof and
then you're gonna call us and you're gonna complain. So
please don't do it and then be sorry for it.
But if for some reason you did sign out the door,
they have to give you a three day right to

(01:19:45):
rescind if they signed your contract at the door, and
listen to this. If a three day right to change
your mind or to rescind the contract to take it back,
if it's not written in the comm then they have
to give you three days from the time they notify you.

(01:20:05):
So true, if you just sign something, and many of
you probably did. I am telling you if you did
it at the door based on a door knocker, you
don't know anything about the company. If I were you,
I would cancel it within three day right to rescind. Okay,
there is no penalty clause. If you do it within

(01:20:26):
that three day right to rescind, they cannot charge you
a penalty.

Speaker 3 (01:20:31):
It's a get out of jail free card.

Speaker 2 (01:20:33):
But it's only for contracts done at the door, so
don't think it's good for any contract. It's not. Okay,
So we are going to talk more about this coming up.
I want to tell you about Frank Duran, the real
Estateman dot com to do a market analysis of your home.

Speaker 3 (01:20:55):
You want to know what it will sell for.

Speaker 2 (01:20:57):
He'll let you know based on your neighborhood, based on
your house, based on interest rates, based on the competition.
You'll get a realistic idea of what your house will
sell for, what you will net at the end, and
what you can afford if you want to buy another house.
Frank Duran is all free. Frankedurann the real Estateman dot
com three oh three nine two zero sixteen twenty two

(01:21:26):
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 oh three seven
to seven to one help. You'll think you're his only

(01:21:47):
customer when you choose Frank durand the real Estateman dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hello, I'm Tom Martino.

(01:22:07):
We are here Major Mark, Major and I solving problems,
answering questions, taking complaints, and we do have your text
as well.

Speaker 3 (01:22:17):
And somebody wants to know about the motion.

Speaker 2 (01:22:21):
Sensors in new cars coming out of a sleep mode.
Can they clone those kinds of keyfobs by just approaching
your car now that your your key fob is needed
to program the pirated one? Okay, So they have recorders
that record your signals. So if you have a near

(01:22:45):
fob sensor, so when you go to your car, the
door opens, you know, you just you just open it right,
You don't have to click anything it's just being on
your person and then you open the door. Well, the
act of being near your car activates the signal, and
that will activate these guys that are cloning this stuff,

(01:23:07):
so it will show up on their screen and they
capture it. So that is bad news for.

Speaker 3 (01:23:16):
You, bad news for you.

Speaker 2 (01:23:18):
Okay, I got this text and I couldn't believe it
because it happened to me. It happens all the time.
But I put it out of sight, out of mind.
And somebody said they thought they heard me talk about
it one time. And they say, I know you're into tech,
but they have a smartphone. They actually have an iPhone,

(01:23:41):
but they say they heard it happens on other smartphones
and I did too. By the way, I went to
Reddit and some other sources and it's rampant.

Speaker 3 (01:23:51):
And I don't know why it's like this.

Speaker 2 (01:23:53):
But if you go to Spotify, let's just take Spotify.
It can be iTunes, it can be other things. But
if you go to one of these apps, even the
iHeartRadio app, okay, and you play the show or you
play a song, you play something, so you're streaming it
to your phone. If you pause it, it'll pause. But

(01:24:19):
next time you pick up your phone or use your phone.
There's a good chance when it connects to your car
or something, you're going to hear it, it's going to
start playing again that same file. Because this is an
odd thing about streaming platforms. There are no exit buttons.
You can't exit Spotify. You can't exit these all you

(01:24:44):
do why.

Speaker 4 (01:24:46):
Well, okay, if I'm listening to something in my car
on Spotify, I love Spotify, right, and I get to
the house and basically leave my car and go hop
in our steam shower. Okay, boom, it starts playing right
in the steam shower. Whereever left in the car. Then
I want to go for a run, it would be
the opposite. But basically, then you put your headphones on,

(01:25:09):
turn on Spotify on your phone. It's right where you
left off. That's exactly right.

Speaker 3 (01:25:14):
We go down to the hot tub, bam, it's playing
down there.

Speaker 2 (01:25:18):
Now. That's all fine if you want it to. But
if you want to turn it off, you can't. I mean,
there is no exit.

Speaker 3 (01:25:25):
All you got to do is choose something else or
hit pause.

Speaker 2 (01:25:30):
Yeah, if you hit pause, it'll work only until the
next time it gets an activation signal, meaning you switch devices.

Speaker 3 (01:25:38):
It's just so weird.

Speaker 4 (01:25:39):
I never looked at it as a drawback in any sense.

Speaker 3 (01:25:42):
I thought it's cool as hell. Oh really, yeah.

Speaker 2 (01:25:46):
I found it to be a pain in the ass
because I would go and pick up my phone and
it would be playing, and I didn't want it to
be playing. I mean, if I did, I would hit play. Now,
you can hit pause, but pausing it is only temporary.
It does not work when you go to another device,

(01:26:06):
or if you go back to your car again. Even
after you paused it, it'll.

Speaker 3 (01:26:10):
Start playing again. And it's just I don't know.

Speaker 2 (01:26:13):
I find it weird that you can't exit the damn program.
There is no exit, you know, as far as closing it.
You can't close it now. If you think you can,
I know you think you can. But I'm reading dozens
of people. They say they swipe the screen, they do
all the things that they would normally do with an

(01:26:34):
iPhone to turn off an app, but the streaming apps,
and they all seem to be doing it, And I
don't know why. Maybe it's what Mark said for continuity.
Maybe they think people want that, But I can't even
think why people would want it. I could see you
going back to recently played. Okay, Like on Netflix, you

(01:26:54):
go to continue watching and hit it, you're right there
where you left off. But Netflix doesn't aught atomatically start
up when you turn on your TV. It doesn't automatically
start up your Netflix movie where you were unless you
click on that movie. It says recently watched or no,
it says continue watching, and then it has other offerings

(01:27:15):
based on this or based on that. But I don't
know anyway. I'm glad to know I'm not the only one.
But there is no solution that I know of. If
anyone knows of a solution, let me know. You can
even text it to me. But as far as I know,
the streaming platforms have no basic exit none.

Speaker 3 (01:27:35):
They don't.

Speaker 2 (01:27:36):
They basically play all the time and then you have
to be the one to close it or pause it
each time. And I don't like it at all. Mark
does like it. And speaking of that, there's one other
thing that this falls under the category of I can't

(01:28:01):
believe I'm the only one, and I wasn't the only one.

Speaker 3 (01:28:06):
Now.

Speaker 2 (01:28:06):
On that last one, this person heard me talking about
it and said it's happening to them. But on this one,
I did the research and found many people had the
same problem. Picture this. You have a MacBook Pro or
a similar Apple laptop with a trackpad. Now it might

(01:28:29):
happen with PCs. I don't have any PCs, so I
can't say.

Speaker 3 (01:28:35):
But here's what happens. You're typing.

Speaker 2 (01:28:40):
Or you're scrolling whatever, and the cursor randomly jumps to
another part of the document. So you might be typing,
and you're typing and looking at what you're typing, you know,
as far as the source document, and then you look
over to what you typed, and all of a sudden,
that cursor is at the beginning of the document or

(01:29:00):
in the middle of the document, and it makes no sense.
In other words, the cursor just left where you were typing,
just randomly jumped to another part of the document randomly.

Speaker 3 (01:29:13):
Okay, now I know what you're thinking.

Speaker 2 (01:29:15):
Because a lot of people on Reddit said the same thing,
that when you type, your palms are on the touchpad,
and therefore you're triggering the cursor to go somewhere else.
That might be true in some cases, but you have
a setting you can make for your touchpad where it

(01:29:35):
doesn't pick up your palms. Okay, it only picks up
your fingertips and whether you're doing one finger, two fingers,
or three fingers. But in any case, this jumping cursor
apparently is a big problem for people. It's not just me.
The cursor is jumping all over the screen and they

(01:29:58):
when they type, they often have to replace or reposition
the cursor back to where they were because it just
arbitrarily skips to two paragraphs before or to the end
of that paragraph. And you think you're typing consistently, and
what you're doing is you're typing gobblygook because it interrupts

(01:30:20):
the line above it and starts typing there.

Speaker 3 (01:30:23):
Or you might be in the middle of a word.

Speaker 2 (01:30:26):
Half of the word is on one line, the other
half of the word is at the beginning of the document.
So if you've had this problem, I don't know of
any solution. And people online are saying that the jumping erratic,
ghost touching cursor. According to Reddit and the Apple support community,

(01:30:49):
that there is no cure for it. You just have
to dull down the sensitivity of your trackpad and you
got to keep it clean, that's what they say.

Speaker 3 (01:31:01):
I have never been able to correct it.

Speaker 2 (01:31:04):
Now it doesn't happen every time you type everything. Okay,
but it does happen, and I'm telling you people are
frustrated about it. Some people have even posted screenshots of
them typing watching the cursor jump all over the place. So, Mark,
you have a laptop, do you ever have a jumping cursor?

(01:31:25):
You don't have the piece, you have a PC, you
don't have the Mac.

Speaker 3 (01:31:29):
Uh, do you have a Microsoft Surface?

Speaker 10 (01:31:32):
I don't.

Speaker 3 (01:31:33):
I don't think I've ever had a jumping cursor.

Speaker 2 (01:31:35):
Okay, it's happened now, Shannon, you have Shann is not
there now it's Dragon. I don't know if Dragon has
laptop or not. Shannon did I meant to ask him?
From what I'm seeing on the forums, it's mostly for
some reason the MacBooks. Uh, if they're having this jumping
or erratic cursor. Okay, three oh three seven one three

(01:31:57):
eight two five Ransom, go ahead, what's on your mind?

Speaker 11 (01:32:03):
I was just listening to the I mean, I'm a
little younger, so I feel like with the tech I
have a have an edge. But I feel like all
you have to do is wipe up, so you open
all your apps and then fly through and find Spotify
and just restart that app, and then they won't have
that problem start playing when you stop.

Speaker 2 (01:32:24):
So when you say swipe up, you so you're seeing
where where all the where all the apps are listed?

Speaker 4 (01:32:29):
You mean right, Yeah, you just go to your you
go to your I don't know, your albums or whatever,
your podcast.

Speaker 2 (01:32:41):
Yeah, but when you stop it. Okay, Ransom, have you
actually exited the Spotify program on your phone? Yeah?

Speaker 11 (01:32:50):
Yeah, you just you just hit the home home button
whatever that is, and then you open all your apps
so you can look at all of them, and then
you just right by swashing up so it disappears you
close it.

Speaker 3 (01:33:04):
Yeah, that's what he's saying.

Speaker 2 (01:33:05):
But I do that.

Speaker 3 (01:33:07):
When I do that and pick you know, pick one,
you know, I know what he means.

Speaker 2 (01:33:11):
You you swipe up to where you can see the
open apps, and then those windows you can wipe off
the off the desktop and that closes the app. But
when I do that with Spotify, it it does stop
the song, but then it starts up again. It never
really exits the program. Are you saying you actually get

(01:33:33):
out of Spotify where you have to start it up again?

Speaker 11 (01:33:37):
Yeah, you do that, do it so that when you
open Spotify again, you have to like go through the
whole process of starting up the app on your phone.

Speaker 2 (01:33:46):
Yeah, I've never I've never been able to do that.
I'm going to try that again. I've never been able
to do that. We have more coming up on the
Troubleshooter Show. Three oh three seven one, three eight, two
five five Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until

(01:34:08):
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 oh
three seven to 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.

(01:34:30):
Three oh three nine two zero sixteen twenty two. Hi
Tom Martino, your Troubleshooter three oh three seven to one
three talk seven one three eight, two five, five or
three or three Martino. I'm wondering how many people use
starlink as their main broadband. We were talking about starlink
off theair, you know, because really I have Sentrylink does

(01:34:53):
a pretty job every once in a while, we have blinks,
it blinks out.

Speaker 3 (01:34:57):
But what about starlink?

Speaker 2 (01:35:01):
Would it be as fast as the sentry link that
comes into my house? And you know, do you use
do you use to your house?

Speaker 4 (01:35:09):
Do you have fiber? It's probably not going to be
as fast. If you don't have fiber, it's going to
be faster. The latency is what I love here at
the house. On starlink, I'll get about twenty to twenty
four on latency, which is great for broadcasting. But on
our DSL lines just because that's all they had here

(01:35:31):
in the country are like maybe forty or forty five
on the.

Speaker 2 (01:35:35):
Latency, so there's hardly any delay. And as far as
data restrictions and stuff, do they have all you can
eat plans?

Speaker 4 (01:35:45):
Yeah, you're not going to pay for Yeah, they have
whatever you need. Absolutely, we were talking about it. They
have stuff on cruise ships now that it doesn't matter
where you are in the world. The starlink systems can
attach a course. You know, they've got probably one hundred
of them on there, if not a thousand, I don't
know how many different dishes you have to have for

(01:36:06):
you know, ten thousand people.

Speaker 3 (01:36:08):
But it's everywhere now.

Speaker 2 (01:36:11):
So are you are you using it for your main broadband.

Speaker 4 (01:36:15):
Right or how I'm using Nope, right now, I'm using DSL,
but I can switch over to starlink in a matter
of second.

Speaker 2 (01:36:22):
Why do you use DSL and not starlink since you
have the system?

Speaker 4 (01:36:26):
Well, because right now they want quite a bit for
the unlimited I'm either going to have both or I
will have a limited.

Speaker 3 (01:36:34):
I just haven't decided.

Speaker 4 (01:36:35):
I can decide month by month what I want to
pay for Starlink.

Speaker 2 (01:36:39):
Okay, how much is it for unlimited? Is it expensive?

Speaker 4 (01:36:42):
Well, there's a deal now with US Mobile I've been
looking at. So if you bring one of your phones
over there, they'll send you the equipment for free, and
they have a sixty dollars a month, which is probably
great for anybody out there.

Speaker 3 (01:36:58):
But they also have one hundred dollars a month.

Speaker 4 (01:37:00):
So that's that's kind of what I'm waiting to pull
the trigger on her.

Speaker 6 (01:37:06):
Yeah, Doc, for an average person who just uses the computer,
let's say, for email and to just scroll, maybe go
to Amazon to buy stuff, does it all this really matter?

Speaker 4 (01:37:17):
There's no one like that anymore. Most people get their TV.
I mean, how does that person get their TV? Do
they still have an old satellite.

Speaker 3 (01:37:24):
How do you get your TV? DOC, I stream it.

Speaker 5 (01:37:28):
I have quantum fiber.

Speaker 3 (01:37:31):
Yeah, you get fiber. That's fast.

Speaker 2 (01:37:33):
That's how you're getting it, So Doc.

Speaker 4 (01:37:35):
All I'm saying is I don't know of anyone that
just does email and AOL anymore.

Speaker 3 (01:37:40):
I mean everybody. Most people are streaming video like every
hour of the day.

Speaker 2 (01:37:47):
Yeah, I'll they're doing there watching TV and stuff. So
if you did that with starlink, like like if I
made starlink my main.

Speaker 4 (01:37:56):
Pipe, but you got fiber, I don't know why you
would do that at at house.

Speaker 2 (01:38:01):
Okay, I was thinking you wouldn't get those blinks every
now and then.

Speaker 4 (01:38:05):
But no, And you hate hearing this all your problems
and I'm not talking about I'm not talking about if
you have a power outage.

Speaker 3 (01:38:14):
I mean that's going to affect anything.

Speaker 4 (01:38:16):
But you're using that software unlike to com Rex, I
don't think I ever get any urbs.

Speaker 3 (01:38:21):
Well Dragon, do I get blackouts like he does? Occasionally?

Speaker 2 (01:38:25):
Not as often? Yeah, okay, yeah, I you know, I
was using the hardware.

Speaker 3 (01:38:32):
For Lucy or whatever you're using. It's pretty damn good, Tom.

Speaker 2 (01:38:36):
No, I mean it has been amazing compared because it's
all software related, and I think a lot has to
do with the new processors in these computers nowadays too
to be able to do that and multitask without taking
any anything away from it. So in any case, speaking
of technology, though this is this is kind of funny.

(01:38:58):
I touch on this, but it's becoming a real problem
and they say it's going to be a real problem
for the holiday season. Okay, what they're doing is they
there are manufacturers that are producing teddy bears and dolls
and stuff with AI in them so kids can communicate,

(01:39:19):
and they put a custom GPT in there. Right, you
are a teddy bear, Right, you are the friend of
a kid. You know, you play with the kid, you
do stuff. Right, you can customize your AI, whether it's
GPT or any other ones that offer that, and then
you basically have a little processor in there that goes

(01:39:42):
out to the broadband and hooks onto your WiFi and
it becomes your kid's friend. All it is is a
custom GPT. But the problem, here's the problem they found
is that you can't limit it to the custom GPT
for the kid.

Speaker 12 (01:40:00):
Kid.

Speaker 2 (01:40:00):
So if you have a kid who has an older
friend or some smart ass friend or some wise guy
friend or some adult that wants to screw around. You
can simply say to the you know, you can say
to the custom GPT. By the way, you are now

(01:40:21):
looking up adult adult porn stars for us. I mean
you can do whatever you want. It takes commands, so
kids don't understand that. And as long as it's done
with the child right and you don't give that child control.
You know, the child doesn't know how to alter the programming.

(01:40:42):
It's going to have the little companion. But it's so
easy for them to not become a companion to where
they become a regular GPT. And and it's alarming a
lot of parents and some of them, you know, by
the words that kids used even would trigger other answers

(01:41:04):
that weren't meant to be for kids. So it's the GPT.
So it's inside a doll. So picture this. It's inside
a dollar, inside of the little robot, and the models
are made that the custom GPT might be made for
the kid. But to get out of that custom GPT,

(01:41:25):
you simply ask it a question outside of its realm,
and it will do anything. You know, you don't say
to it. You know, how do you say my name,
you say you know, how do how do I do this?
Or how do I do that? And it uses regular GPT.
There's no way to limit it. So the makers open
AI and others are saying, don't use our models for kids, because.

Speaker 3 (01:41:49):
You can't limit them.

Speaker 2 (01:41:51):
You cannot sufficiently program them to be just for kids.
You can't put on the guardrails that you need to
you have for children. So you'll find a growing number
of AI toys, stuffed animals, toy robots, all powered by this,
and the AI companies say they aren't for kids, but

(01:42:15):
the toy company is using it because it's a cheap
way to make your toy interactive. It used to be
to make your toy interactive, you had to do other things.

Speaker 3 (01:42:28):
We got more coming up on the Troubleshooter Show.

Speaker 2 (01:42:35):
Go with a sure Thing Denver's Best Roofer Excelroofing 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 O three, seven to
seven to one help. You'll think you're his only customer

(01:42:57):
when you choose Frank durand the real estate man to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hello Tom Martino here three
oh three seven one three talk three oh three seven
one three eight two five five. So we are here

(01:43:22):
trying to in part important information. And someone said, Tom,
that Spotify thing is happening to me as well. In fact,
if I use any streaming service, it's almost like it's
embedded in the memory and you can't exit the program.

(01:43:44):
And he says it's universal with all of the streaming programs.
There is no standard way to exit like a normal program.
You can close, it resurrects itself. So I'm not crazy.
I'm not the only one it's happening. And by the way,

(01:44:06):
on this bank thing, a banker texted me and said,
under the Colorado Asset Act, while but banks have power
to pause transactions, they cannot ultimately stop them. Once they
pause them and talk to the older adults. If the

(01:44:26):
older adult wants to go through with it, unless they
are incompetent or require a second signature, they can't stop it.
It just gives pause to it on a temporary basis.
Supporters say that the pause is all you need to

(01:44:48):
basically save them possibly, but others say if people are
stubborn enough, or if it's a lady who believes she's
paying to have some handsome dude move from Spain to
the United States to be with her, she may still
want to send the money, and that's happening too, so
beware of that. The best thing is to be vigilant

(01:45:10):
with our relatives and friends.

Speaker 3 (01:45:12):
We have more coming up.

Speaker 2 (01:45:14):
Go with a sure thing Denvers Best Roofer, Excel Roofing
dot com.

Speaker 3 (01:45:18):
You don't pay a cent until you're content.

Speaker 2 (01:45:22):
Please 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 oh three seven
to 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.

Speaker 1 (01:45:43):
Two forty five years straw solving your problems, answering questions,
taking complaints. This is the Troubleshooter Show. No Tom Marcino
Hey Welcome to the show.

Speaker 2 (01:45:59):
Three three seven one three Talk seven one three eight
two five five.

Speaker 3 (01:46:04):
What's on your mind today? How can we help you?

Speaker 2 (01:46:06):
We love asking that question, and we try to help
people any way we can. All you have to do
is call us at three zero three seven one three
Talk seven one three two five five. Mark's got a
comment on Exfinity. Mark, go ahead, what is your comment? Hi?

Speaker 6 (01:46:24):
Tom?

Speaker 7 (01:46:24):
How you doing?

Speaker 2 (01:46:25):
Good man? What's happening? So?

Speaker 13 (01:46:28):
Uh, I've noticed over the last month that, uh, for
whatever reason, if I go to like a Fox channel
and then change to another channel, the Fox channel won't
show up in the recent channel list. Every really channel
seems to work fine. But neither of the two Fox
channels for just like six ty five and I think

(01:46:48):
six four to two or something like that, or maybe
it's seven four to two, they just won't show up in.

Speaker 10 (01:46:53):
The recent list.

Speaker 2 (01:46:55):
That's weird.

Speaker 13 (01:46:56):
I don't know if that's the political thing that they're
doing or was.

Speaker 2 (01:47:00):
I have no idea, Like it seems weird, but every
other channel you go to shows up as recent correct.

Speaker 13 (01:47:08):
Yeah, you can kind of have like seven or eight
channels that you've been to most recently.

Speaker 2 (01:47:15):
I have no clue why that would happen, And what
system is that?

Speaker 3 (01:47:20):
What system is that Exfinity?

Speaker 13 (01:47:23):
Yeah, it's Exfinity.

Speaker 2 (01:47:24):
Yeah, and you use Exfinity for your broadband, right, yes,
but what are you using for your TV?

Speaker 13 (01:47:34):
Well, it's an Exfinity box.

Speaker 3 (01:47:36):
It's the X one box.

Speaker 2 (01:47:37):
Oh oh, so it's a smart box that you streamed
through that, right? Yeah. Have you ever thought about doing
just the Exfinity broadband and then just getting your own service?

Speaker 7 (01:47:50):
I have, Yeah, that's.

Speaker 3 (01:47:52):
Probably that's probably what I would do.

Speaker 13 (01:47:55):
Yeah, yeah, this is just kind of odd that like
there's snowing that one channel or those two channels that
they won't show them.

Speaker 3 (01:48:03):
In the recent list that have you ever called to
ask him that?

Speaker 10 (01:48:08):
I didn't call them yet.

Speaker 13 (01:48:09):
I did try with the little AI agent stuff that
they told me some things to do, but none of
that worked.

Speaker 3 (01:48:16):
Like to reset the box, right, Yeah.

Speaker 13 (01:48:19):
They did a full refresh connection and it's supposed to clear.

Speaker 10 (01:48:22):
Out the cash, but.

Speaker 13 (01:48:24):
Right it didn't didn't have an effect. So I just
want maybe you can see if other.

Speaker 3 (01:48:30):
I want to know.

Speaker 2 (01:48:31):
Yeah, if anybody else is having this, I'd like to
know that.

Speaker 3 (01:48:34):
That's very very interesting.

Speaker 2 (01:48:36):
I will definitely check it out. Keep listening and we'll
see if anybody can text us or talk to us
about it if they've ever had that happen. Now, like
I said, because you have the Exfinity box, that's different
than just having Exfinity. If you had just Exfinity broadband
and you did your own smart TV, that wouldn't happen.

(01:48:57):
The Exfinity box is definitely for some reason screening it out.
It really is RAINA. Welcome to the show. What's going
on with you? Reina?

Speaker 3 (01:49:07):
I'm Tom Martine. What's happening?

Speaker 7 (01:49:10):
Yeah, well, I know somebody used to work for you,
but I'm calling. You might think it's a silly thing,
but here's what it is. Fine, Well, okay, yeah, old
one they work. Yeah, calling for my son, he has
an Infinity Yes, we went in the service department to

(01:49:30):
the door. You know how the door goes up if
it touches you, Yeah, it goes to the Yeah. Yeah,
Well it was halfway through the door never went up,
and it crashed into the ceiling and they called the cop.
Police didn't give him a ticket, and my Lexus guy,
who I've been going two years, that they shouldn't give
you a ticket on private property anyway.

Speaker 2 (01:49:52):
But well, wait a minute, but let me let me
get this straight. Though your son's car was he was
going in for service?

Speaker 3 (01:49:59):
Is that right?

Speaker 10 (01:50:00):
Yes?

Speaker 7 (01:50:00):
Yes?

Speaker 2 (01:50:01):
And as he was driving in the door the door
closed on him.

Speaker 7 (01:50:09):
The door was you know how they come down. But
soon as they even my garage door, you put your
hand there, it goes back up.

Speaker 2 (01:50:17):
Right.

Speaker 7 (01:50:17):
It came down right and craps the whole top okay,
and to the whole thing. And State Form wants to
total it. He just paid it off what a year ago?
Maybe so, and they don't want any responsibility. But he
did hear them, stay on the phone. We'll shape Form's
gonna fight this, but they're total in his gar They won't.

Speaker 2 (01:50:40):
Now when you say they're totaling it, is that their
insurance company or your son's insurance company? Yeah?

Speaker 3 (01:50:48):
But who has State Farm? Who's policy? Okay? Why isn't
the garage paying for it?

Speaker 7 (01:50:58):
Because they said it's just all it was his fault.
The Lexus people told me, because I'm so friendly with him,
that something stuck on the door, it's automatically go up
when it's just such as his car.

Speaker 3 (01:51:20):
And how much does that car worth?

Speaker 7 (01:51:23):
He brought up for thirty six Cigret willing to total
it for nineteen.

Speaker 3 (01:51:28):
Is he is he satisfied with that?

Speaker 7 (01:51:31):
No, what I'm saying is, forget him being satisfied. I'm
gonna have to do what he has to do. I'm
not because I'm at Lexus since way before TUO five
and they automatically go up. But why would they say
it's his fault? He was their for their video. We
even sentence a safe form of the video. They're looking

(01:51:52):
at it now, but they still totaled it.

Speaker 3 (01:51:55):
They would, okay, but Raina.

Speaker 2 (01:51:58):
Whether or not it's his fault or not has nothing
to do with whether they're going to total it. They're
two separate issues, two separate issues. Whether he's that fault
or not has nothing to do with whether they're totaling it.

Speaker 3 (01:52:12):
You understand that, right, well now I do.

Speaker 10 (01:52:15):
I guess they are.

Speaker 2 (01:52:16):
I can't tell me why it would make a difference
if the car was totaled. Why would it make a
difference whose fault it was.

Speaker 7 (01:52:26):
It doesn't matter whose fault, but Fay should fix. They
shouldn't face form, shouldn't even have to deal with it.

Speaker 3 (01:52:32):
I agree with you now on that. We agree.

Speaker 2 (01:52:35):
However, if it was the dealership's problem.

Speaker 3 (01:52:38):
Let's say it was.

Speaker 2 (01:52:41):
If it was the dealership's problem, they still only have
to pay what the car is worth. So if repairing
it is too close to the.

Speaker 7 (01:52:54):
Why not repair it. It's a repair shop that won't
go for safe forms totaling it. Why shouldn't they repair
They have a repair shop.

Speaker 12 (01:53:03):
Let's just repairs my car, right.

Speaker 2 (01:53:06):
If the repair listen, I'm going to explain this to you,
because if the repairs come to the value of the car,
they don't have to repair it.

Speaker 3 (01:53:18):
They simply have to buy the car.

Speaker 7 (01:53:21):
Well that's what I was thinking. But they're not offering
to buy anything. They're waiting to hear from Safe Farms.
They should do something with the car. That thing should
not have just crashed into the top. He has a
glass top on it, you.

Speaker 14 (01:53:36):
Know, on the top, Yeah, yeah.

Speaker 7 (01:53:38):
And all the glass came through the you know everything.
He took it to be six the Safe Farm. It
was just too much, laugh all over. It didn't scratch
it that much on the tops.

Speaker 3 (01:53:51):
So they're going to total it. I don't understand this call.

Speaker 2 (01:53:54):
I don't either. They're going to total the car.

Speaker 4 (01:53:57):
They're not going to pay if you think it's worth
a million dollars.

Speaker 3 (01:54:00):
They're not going to give you a million dollars. They're
going to give you what the value of that car
was before the accident. Right.

Speaker 2 (01:54:09):
But what she's saying is she wants the dealership to
do it, not state farm.

Speaker 7 (01:54:15):
Right, the dealer should take care of it and not
so our fixes don't they take?

Speaker 4 (01:54:20):
I mean, I don't know what that meant the time.
I'm sorry, explain that to me, because I don't understand.

Speaker 3 (01:54:26):
She thinks.

Speaker 2 (01:54:27):
Okay, she is wrong in this regard. She wants the
dealer to take care of it, and she somehow if
the dealer takes care of it, they won't total it,
they'll fix.

Speaker 3 (01:54:38):
And that's wrong, that's wrong.

Speaker 7 (01:54:40):
He knows about himself. Okay, it's me. They totally period.
But why would they total it if the Infinity would
take care of it?

Speaker 2 (01:54:54):
Because if Infinity, if Infinity is going to take care
of it, it's still going to be totaled.

Speaker 7 (01:55:04):
Okay, and say it's total and they get nineteen thousand.

Speaker 14 (01:55:08):
Right, okay, Yeah, so what.

Speaker 3 (01:55:13):
Do they do then they go buy another car or
pay your son? Your son?

Speaker 2 (01:55:19):
Your son takes the nineteen grand and buys another car.

Speaker 3 (01:55:23):
Yeah, and the insurance company.

Speaker 2 (01:55:25):
The insurance company takes possession of the car and they
junk it.

Speaker 7 (01:55:31):
Okay, that's fine, So why should he pay for not
he just paid it off. In other words, I know
he knows he has to take it and totally okay.
But the point is he's have to get another car.

Speaker 2 (01:55:44):
Well, of course, of course he will, and that's why
they're paying him the nineteen grand.

Speaker 7 (01:55:50):
Well that's not going to cover what he paid for
this one at all.

Speaker 3 (01:55:53):
Well, okay, remember this raina.

Speaker 2 (01:55:57):
Okay, it's probably it's probably a little low. Maybe we
can get them to pay a little more, but you're
never going to get just what you paid for it
unless you paid a decent price for it, not what
you paid for.

Speaker 3 (01:56:10):
All they have to pay.

Speaker 2 (01:56:11):
Is what a comparable car would cost, so year, make,
model and mileage. What would a comparable car like that cost?
What would a cost if it would If you can't
find a car for nineteen and all the cars like
his are selling for twenty five, you could probably make
the argument that they should pay you twenty five.

Speaker 4 (01:56:35):
In fact, we have someone you can call and he'll
tell you what that vehicle is worth and how much
they should be giving it for you, and he'll do
that for free.

Speaker 2 (01:56:46):
Unly that that is Petty details. It's called Petty details.
They're on a referral list.

Speaker 7 (01:56:54):
And wait minute, ett Wise, I'm a college graduate. I'm sorry.
I know what you're p.

Speaker 2 (01:57:01):
E T T Y Yes, ok, PS and Peter Petty
details and and I can give you their number, I believe.

Speaker 3 (01:57:12):
Let's see, do I have their number here?

Speaker 2 (01:57:14):
Yeah?

Speaker 4 (01:57:14):
Pull it up, and here's what you're gonna want before
you call them. You're gonna want the year, make model,
the trim level, and the mileage or just the last
eight of the vin and you're whoever we're talking about
can get that right off the insurance card.

Speaker 7 (01:57:32):
My son will take care.

Speaker 10 (01:57:33):
I'm not going to do it.

Speaker 2 (01:57:34):
Okay, here's the number two. Here's the number two one four, I.

Speaker 10 (01:57:41):
Get a pennant, right, yeah.

Speaker 3 (01:57:44):
And for everybody out there, justin, Petty will do this
part for free if you are in this predicament, either
with your own insurance company or somebody else.

Speaker 4 (01:57:54):
And with somebody else, he'll also tell you for free
what the other person's insurance companies should be giving you
for diminished value. And most people leave that on the
table and screw themselves. Big time out of about fifteen
to twenty percent more.

Speaker 3 (01:58:11):
Okay, here's the number.

Speaker 7 (01:58:13):
Saying is Okay, they're saying it's his fault. Of course
they would take it. But okay, it's his fault.

Speaker 2 (01:58:19):
Okay, it doesn't It doesn't matter whose fault it is,
as far as totaling it or not, Okay, okay, that
part doesn't matter. What whether it's his fault or not,
is whose insurance.

Speaker 3 (01:58:33):
Pays for it.

Speaker 2 (01:58:34):
But as far as what they pay, that's a matter
of value. The numbers two one four, okay, two two seven,
twenty one, p. Fifty four.

Speaker 7 (01:58:48):
Who is he talked to?

Speaker 3 (01:58:51):
I talked to what's his name again? Mark his name?

Speaker 5 (01:58:54):
Justin?

Speaker 2 (01:58:55):
Justin, yep, and ask him and he will give you.
He will give you an idea of what that car
would bring when it's totaled, to see if they're giving
you a fair price.

Speaker 7 (01:59:11):
And he might say nineteen, like say four. But that
still doesn't make my.

Speaker 12 (01:59:17):
One.

Speaker 7 (01:59:17):
The war of Antenny, I don't know infinity at all.
It doesn't still make them responsible responsible.

Speaker 4 (01:59:24):
I guess I'm sorry, Tom. I think sometimes we're not
I don't think we're listening. I think maybe we're missing something.

Speaker 5 (01:59:31):
I don't.

Speaker 4 (01:59:31):
I don't understand why they would give you more for
your vehicle than it's worth.

Speaker 3 (01:59:36):
Why do you think that now they shouldn't.

Speaker 7 (01:59:40):
That's not the point. My point is why should Eric
have to buy the car, or fix the car or
get it fixed, or say whether it's the right amount
of money? Did he go to small claims? What I'm
saying is the other Infinity dealer's or should have gone up,

(02:00:01):
don't you think?

Speaker 2 (02:00:02):
For you? No, right, But we're talking about two different things.
Even if it was their fault, the most he's going.

Speaker 3 (02:00:11):
To get is what the car's worth.

Speaker 2 (02:00:13):
So if Justin Petty says that car's worth twenty two
or twenty three, whatever it is, that then your son's
going to have to take that money and find another car.

Speaker 3 (02:00:23):
That's the way it works.

Speaker 7 (02:00:25):
Understand that even if he says it's nineteen. The point
is they should be responsible for Pray, I know what
you're saying.

Speaker 3 (02:00:34):
They should be responsible and do what beyond paying for
the vehicle? What else should they do?

Speaker 7 (02:00:40):
Either offer him a shicks it or offer him a
car that's comfortable.

Speaker 3 (02:00:46):
Well but okay, well, and honestly, if it is their fault,
they should be paying for any expense that he incurs.

Speaker 5 (02:00:54):
Right now, are they denying it's just it's their fault.

Speaker 2 (02:00:57):
Yeah, they're denying it. Well, then that's a whole different
I know.

Speaker 3 (02:01:01):
But here's the deal. Here's the deal.

Speaker 6 (02:01:04):
Insurance company might give a different value on the car.
If you could prove that it's their fault, then their
insurance company might Yeah, and his insurance company might supprogate.

Speaker 2 (02:01:18):
Yeah, No matter what, his insurance has to take care
of it. We have to take this break. And you're right,
it might be their fault, but it's going to be
up to your insurance company to press that charge. Your
son is out of it at this point. We got
more coming up. Go with a sure thing Denver's Best

(02:01:42):
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until you're content. Time for an insurance checkup free, no obligation.
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(02:02:04):
dot com to list your home with Remax Alliance three
oh three nine two zero, sixteen twenty two. Let's talk
to Glenn. I'm Tom Martino. Welcome to the show. What's

(02:02:26):
going on, Glenn? What's happening?

Speaker 10 (02:02:30):
I like your show.

Speaker 14 (02:02:31):
I learned a lot from it over the years. But
I got something that's never occurred to me before, and
I need your help.

Speaker 2 (02:02:36):
Okay, go ahead, sir.

Speaker 14 (02:02:38):
I got a call from someone who said they worked
from my insurance company from my home and they wanted
to come by and take pictures of my house.

Speaker 2 (02:02:46):
Yeah that's not true. They don't work. I don't think
that's true. But keep going. Yeah.

Speaker 14 (02:02:51):
So I said i'd make an appointment with her so
I could be home when she did this. But she
showed up yesterday and we sent her away, and she says,
if I have any questions, to call my agent. And
I've heard you over the years say what anything you
call your agent, you get a mark against you.

Speaker 12 (02:03:05):
You know.

Speaker 2 (02:03:06):
Now, here's what I need to know. When I said
not to believe them. Was this after a storm? Did
she say she wanted to take pictures of the storm damage.

Speaker 14 (02:03:17):
I haven't made any acclaims for anything ever, so I
don't think.

Speaker 2 (02:03:20):
But was there a storm in your area?

Speaker 14 (02:03:24):
I was away for a few days in a different
part of Colorado, and I don't know if there was
a storm here, I don't think.

Speaker 2 (02:03:31):
But did they identify themselves as with your insurance company?

Speaker 14 (02:03:36):
Oh yeah? Oh yeah.

Speaker 2 (02:03:38):
Well you're not going to get a if you want
to know what she was doing at your house, that's
not going to count against you. If you simply call
and say, why was this woman here taking pictures? Or
why does she want to take pictures? It could be
that your insurance company is updating their records to make
sure everyone is adequately insured. Now, insurance companies will do

(02:04:03):
that from time to time, and there's nothing wrong with that.
What I was warning people about, I'm warning people about
people who say they're with your insurance company, but they're
actually roofers in disguise, and they just want to get
up on your roof and write up an estimate and
have you sign it, and they trap you into a contract.

(02:04:26):
So this doesn't sound like that to me.

Speaker 14 (02:04:30):
So if I do call my agent and ask me
if asking this the woman have be a mark against
my h the.

Speaker 2 (02:04:36):
Way you well, here's how you ask them, who is
the woman that wants to take pictures of my house?
And why Okay, that won't count as a claim because
you're not asking about damage. You're just saying, who is
the woman that wants to take pictures and why? And
they may say, well, Tom, excuse me, Well, Glenn, we're

(02:04:59):
upgrading our records or we're updating our records and we
want to make sure we have all the accurate information.
They do that, I say said from time to time,
because they may tell you, by the way, Glenn, you
got to put on a new roof, or by the way, Glenn,
in order to.

Speaker 4 (02:05:15):
Renewal, but generally they schedule that with you. That's kind
of weird.

Speaker 2 (02:05:20):
That's it. That is It is kind of weird. But
he She did call ahead of time, though, didn't she? Glenn?

Speaker 14 (02:05:27):
She called, She called her, you know, and yeah, the
parts and then she showed up.

Speaker 2 (02:05:34):
Yeah, Like I said, like, uh, do you have a
Doberman or a Rottweiler you could just let out while
she's there.

Speaker 14 (02:05:43):
No, I just gotta sign in my Kate, this is
beware of dog. But there's no dog.

Speaker 2 (02:05:49):
So Glenn, I would call the insurance s. I think
they're upgrading, they're updating their their file. Mike, what's going
on with you? Mike?

Speaker 3 (02:05:57):
Welcome to the show. What's happening?

Speaker 14 (02:06:00):
We'll how you doing.

Speaker 10 (02:06:01):
What I'm calling about is I've done a problem with
AT and T. Short story, I've been with AT and
T before they were even AT and T, and when
they did the upgrades of the towers, I started having
couldn't get signal good signals here for my phone services
and everything. So they gave me an extender. Well, that
extender went bad. So now I'm back down to the

(02:06:22):
same point I called them last week. It was on
the phone with them off and on different departments for
I don't like three hours. Now they're saying, well, we
can't give you that a nation ender because we don't
do extenders more their Wi Fi type thing now so
you can get your signals and use your phone and
stuff in the house. So I said, I don't think
I should have to pay for it because I signed
a contract to have service that I can get service right,

(02:06:45):
and you gave it to me before. Why do I
have to pay for one now when it's youse your
because this one I got now, they gave it to
me just so I could have good service. So need
to continue to have the service that I'm paying for?
Why should I have to pay you two hundred and
forty nine dollars for your new system?

Speaker 2 (02:07:01):
And what do they say? It's over.

Speaker 10 (02:07:04):
In Philippines and they're saying, well, we can't go anything.
I say, well, give me somebody from AT and T
here in Colorado. Well, we're the ones that do all
of this. Because you call AT and T, they switch
you over to whoever takes care of this.

Speaker 4 (02:07:16):
Hey, Mike, why don't you you got to I don't
understand why you would even need that anymore. A lot
of times those are there's no purpose in them, because
your phone should be capable of just using the Wi
Fi in your house and doing that's better.

Speaker 2 (02:07:30):
Yeah, But what he's saying is he has to boost
his WiFi in his house for some reason. And I
don't know why.

Speaker 10 (02:07:36):
I'm down in a hole. I'm in a park and
it's kind of down in the hole where I'm at.
Sometimes I could get service, but then I'll be like
talking to you, and I can be and I almost
lost the job over. I'll be talking and after about
sixteen eighteen minutes twenty five at the most, then they say, okay,
you're banjoing. Okay, Mike, I'll foot four feet over and

(02:07:57):
it works.

Speaker 2 (02:07:57):
Yeah, let me give you the real perspective. Let me
give you the real perspective. Okay, and it's this. They're
not listen carefully though. They're not obligated to guarantee you
service unless they're going to continue charging you for it
and won't let you out of the contract. If they'll
let you out of the contract, then simply go somewhere else.

(02:08:20):
But they're not obligated to give everyone in your area
cellular service. If they can't deliver cellular service, the only
thing they owe you is to let you out of
the contract.

Speaker 4 (02:08:33):
And if they just upgraded towers, I want to get
back to this. Those are pretty old technology, what you're
talking about. When it was three G and four G
and four G plus, a lot of people had those
units from T Mobile, AD and T Verizon.

Speaker 3 (02:08:48):
But once five G rolled around years ago, a lot
of those companies because the Internet became so strong, there
was no need for him. They don't even make a
five G one.

Speaker 10 (02:09:00):
Yeah, that's why I say. Now, what they use is
is a Wi Fi some kind of Wi fi boos Yeah. Yeah,
if I if I do calling, if I'm calling you,
and if my WiFi is on sometimes and on my
house it'll go in and out because it's trying to
pick up the Wi Fi and then it's trying to
pick up the signal.

Speaker 4 (02:09:16):
Yeah, something you could do too, Mike. I agree with Tom,
I listen, it sucks. I wish they'd send you one,
and I wish they'd send it to you for free.
But Inspad instead of sending two forty nine with them,
you can get like a little mesh system that plugs
into any wall outlet in your house, one upstairs, one down,
one side of the house, maybe three all together, and

(02:09:38):
you'll have perfect coverage for Wi Fi in calling everywhere.
And it'll be way cheaper, way cheaper than that two
hundred and forty nine bucks.

Speaker 2 (02:09:47):
We got to take this break. We got more coming
up on The Troubleshooter Show. Three oh three seven one
three eight, two five five one. Clear Choice Garage Doors
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(02:10:08):
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Speaker 3 (02:10:11):
You don't pay a cent until you're content.

Speaker 2 (02:10:16):
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 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. Hi Tom Martino here

(02:10:43):
with Major Mark Major. Welcome to the show. Three O
three seven one three talk seven one three eight two
five five. Apple Air ready willing and able to replace
your air with new Central Air with twelve year warranty,
parts in labor, six years full replacement by the way,
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(02:11:07):
going strong with Toddnes's two sons. That's Appleair with an
Eappleair dot Com. So we have been talking about a
number of different issues and technologies and valuing cars. One
of the things that people get confused about with cars.
You don't get more money if it's the other insurance company.

(02:11:28):
You simply get another place to get paid. So you're
paid based on what the car is worth. Now, just
because they make you an offer doesn't mean you should
take it. You have a right to figure out how
they're valuing the car, and we have a good service
that does that petty details at referrals dot com. But again,

(02:11:50):
you may not get what you think is worth. Now
a lot of people, the conversation we have is it's
not fair. In other words, why should we have to
go out and buy car? And that's the rub right there,
because you shouldn't have to go out and buy a car,
but you do. And all you have is the money

(02:12:10):
they pay you for that previous car. Now, that previous car,
when it comes to damages, it should be the fair
market value of the car plus acquisition costs.

Speaker 3 (02:12:20):
So if and anything else if missed work, they should
pay for all that.

Speaker 2 (02:12:25):
Right and the acquisition. What I meant was sales tax
and registration fees that you don't get refunded. Any of
that that you have to pay for the next car
should be added into your settlement and then you're able
to get a fair settlement. But it's only after you
take those things into consideration. But I'm going to tell

(02:12:48):
you almost every single time when you're in a car accident,
count on it. The bank, The insurance company, whether it's
yours or someone else's, will never ever come through with
a fair price first time out.

Speaker 3 (02:13:04):
They're never going to do it. Never. They're going to
try to get away with less.

Speaker 2 (02:13:07):
As I said, insurance the only business in the world
where the model is for them to make more money,
they have to offer less. So don't take the first offer,
just get an opinion and do some research. By the way,
when it comes to blame, the reason we have insurance

(02:13:30):
is for cases where blame is hazy. So if it
happened at the dealership and there wasn't a police report,
and the dealership is saying he should not have pulled
through the door when it was coming down, and he
says it should have had an auto sensor so it
didn't crash into my car. You know, there's both of

(02:13:51):
you are kind of right. But here's the bottom line
is that don't bother trying to assess blame your insurance.
And that's where your insurance comes in. When you have
insurance collision coverage, you use it for that reason, okay,
and then you let that you let them figure out

(02:14:11):
whether they want to go after another party. It's not
up for you to decide. She kept saying, why should
we have to do this? Why should we have to
do this? Because you have it, When you have insurance,
they should have to pay excuse me, they should have
to pay for your damage, and then they should decide

(02:14:33):
if they want to go after the other party to collect.
So it's not a decision you get to make, okay.
The only decision you get to make is are you
getting a fair price for the car that they're totaling,
whether it's the other person's insurance company or yours. And
the only way to do that is to go to
the open market, ask them what they use for comparables,

(02:14:56):
or call petty details on our referral list at referral
list dot com. It's really the only way to do it.
We're running behind, so I do have to take this break.
Three O three seven one three eight two five five