Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Yeah, ripped news.
Speaker 2 (00:09):
So you don't have.
Speaker 3 (00:12):
Come running as fast as we can.
Speaker 4 (00:16):
Shooter's gonna help come.
Speaker 2 (00:18):
Man, This is the Troubleshooter Show. No Tom Martine and
of course Mark Major, Mark chick it off. What do
we got out there? I tell you what we got today. Gravina.
Speaker 5 (00:31):
Nick Ravena is in the house. Any questions anybody has
about windows. Unfortunately, I love Nick, but I gotta say something.
Man at a party, I can't imagine this guy. If
you ask him something about windows, he will not stop talking.
Speaker 6 (00:46):
Have you ever met anybody like that? Tom?
Speaker 2 (00:48):
I actually yeah about different areas, and he is a
walking encyclopedia. I love when people are passionate about what
they do. Oh yeah, yeah, yeah, and it's gut it's
gut knowledge. It's not like he's looking it up on
his phone or asking chat. So, yeah, so you got
Nick with you, Gravina.
Speaker 6 (01:09):
He took over for his dad.
Speaker 2 (01:10):
Larry took over his dad, and then it's a it's
a family tradition going back what Nick, what sixty five years?
Speaker 6 (01:15):
Gravin is basically.
Speaker 1 (01:17):
Yeah, probably around there. I don't know exactly when I started,
but somewhere around there. You know, my Grandpa, do you have.
Speaker 2 (01:22):
A little one. Do you have a little one that
you will introduced?
Speaker 1 (01:26):
I mean I have two, they're not that little anymore.
But you know, my daughter and my son's ten, but
you know, little yeah, but you know they used to
be little, you know, little bittles. But you know my son,
you know, he plays you know, high level hockey. So
I'm hoping more of that than you know, maybe getting
into construction.
Speaker 2 (01:44):
But you know, hockey as a sport is one of
those strange sports that doesn't have an easy entry. Like
you know, football is not easy. But what I mean
by easy is the process pathway. Yeah, and yes, exactly right,
market pathway. So you're in college and you get noticed,
you get drafted. With baseball, that's a little less clear.
(02:05):
It's not always from college team the farm system and
then people scout the farms. But with hockey, Nick, I
heard literally American kids sometimes go off and live with
hockey families. Is that true?
Speaker 1 (02:21):
Oh yeah, yeah, there's a lot that will like either
go to Minnesota or even up into Canada. You know,
if you think you're going to want to go to
that level.
Speaker 2 (02:28):
You know, and these parents foster and Mark, these parents
foster kids in their home to play. It's really weird
the way they do it. And then they go into
some kind of a farm system.
Speaker 5 (02:40):
But so so Mitch Floria's kid art of granted one
of our other sponsors.
Speaker 2 (02:46):
His kids actually go to a hockey school.
Speaker 5 (02:49):
They learn regular books and arithmetic whatever they teach these days.
And on top of that, they practice like before and after.
Have you heard of that, Nick, Oh yeah, we're thinking
about that for our son too. Possibly that's insane. A
hockey school. Did you know that existed, Tom, I've never
even heard of like a football school for that matter.
Speaker 6 (03:06):
No, I've heard about him.
Speaker 2 (03:08):
And I've also heard about, of course, the family fostering program.
And you know, some of these famous hockey players still
go back and visit their their hockey family that that
fostered them through training. Okay, so let's talk. Our phones
take priority. We'll take some phone calls, and then I
stashed away some increase. I get about windows over the time,
(03:29):
and I know that Nick will be coming in, so
I stash them away. So right now, Charles has an
identity uh theft issue. Charles, start your story, sir, go ahead, Hey.
Speaker 7 (03:46):
Friday, I'm getting the email that you know, I'm going
huh about uh my package has been picked up.
Speaker 8 (03:57):
Uh huh, that's.
Speaker 7 (03:58):
Buy It's a nineteen hundred and fifty six dollars and
forty one cent mac Book Pro.
Speaker 9 (04:08):
Okay.
Speaker 2 (04:09):
Now, by the way, Charles, by the way, Charles, let
me let let me let me ask you. First of all,
did you order a computer or is this totally out
of left field?
Speaker 10 (04:18):
This is totally out of left field.
Speaker 6 (04:20):
Okay.
Speaker 2 (04:20):
So you get some email saying, oh, by the way,
your computer was picked up.
Speaker 10 (04:26):
It's yeah, it's one of those head of emails where
Yahoo is telling you your ups your Amazon eBay package.
Speaker 7 (04:36):
Yeah, you.
Speaker 10 (04:39):
Know, No, I did not.
Speaker 7 (04:44):
The info I could see on the email because it
said to me saying, I am Charles Stewart.
Speaker 8 (04:51):
Chose my.
Speaker 7 (04:55):
Address and my email and an.
Speaker 10 (04:58):
Old phone number that is defunct if you call it.
Speaker 2 (05:04):
Okay, do you have the Do you have the notice
in front of you?
Speaker 7 (05:12):
No, I'd have to go to email and find it again.
But I've got the receipt.
Speaker 2 (05:17):
Okay.
Speaker 11 (05:18):
Now that's why.
Speaker 2 (05:21):
Okay, So somebody now now it may not be identity theft.
It might be a phishing scam, meaning did they ask
you to go on and take care of anything online? No,
what were they saying? They simply said, someone picked up
your computer was picked up?
Speaker 6 (05:41):
Is that what it was saying?
Speaker 12 (05:43):
Right?
Speaker 7 (05:44):
And it showed my email, my address, and the last
four of the payment method.
Speaker 2 (05:53):
And we're the last four numbers accurate of your payment method.
Speaker 13 (05:59):
I checked.
Speaker 10 (06:01):
Credit karma.
Speaker 7 (06:02):
I checked all my cars.
Speaker 2 (06:04):
I'm asking you do the last four numbers? Do they
match one of your cards? Those numbers they put.
Speaker 7 (06:09):
On there, That's what I'm yeah, I'm getting too detailed.
I checked all my information.
Speaker 8 (06:16):
It's not one of my cards.
Speaker 2 (06:18):
Can you forward to that email? I mean I was
I was going to say that Mark good idea. Could
you forward us that email or go find it? It's
really important that we see that. Hold on until we
can get that, okay, Kachina help him to get that
forwarded to us. John has an issue with pods, and
I suspect it's the moving pods that you see out front,
(06:41):
uh in somebody's driveway they're packing up to move. You know,
the system in theory sounds pretty good. You load up
your pods, then the truck takes it to your destination,
and you unload your pod. So it sounds to me
like a pretty cool system. What's going on with you
John and Pods? John? Are you there?
Speaker 3 (07:06):
Yeah, I'm here. Can you hear me?
Speaker 2 (07:08):
Yes? I can now start your story, sir.
Speaker 3 (07:11):
Okay, So I rented a pod about five years ago
and loaded up all of my tools from my garage.
My wife at the time and I were going to
move back home to Colorado. I loaded all my tools
in the pod. We rented a second pod for all
our furniture. We got here, we separated. I live in
the mountains, she lives in town Thornton. And I called
(07:34):
Pods in spring of twenty two to ask for them
to deliver the pod to my address, and they told
me I'm out of their range. Okay, and I've been
going back and forth I find I mean.
Speaker 2 (07:48):
This has been Wait wait wait wait, you still have
a pod somewhere loaded with all of your tools? Correct?
Speaker 6 (07:57):
Where is the pod?
Speaker 3 (08:00):
Long month?
Speaker 2 (08:02):
And is are you being charged for storage forc Okay? Well,
at least hold on, at least you know where your
stuff is and how much storage are you paying every month?
Speaker 3 (08:15):
Two hundred and forty nine dollars a month?
Speaker 2 (08:18):
And you've been dealing with this since twenty twenty two, Yes, sir,
And so all you need is to.
Speaker 6 (08:25):
Get it delivered.
Speaker 2 (08:26):
Have you ever thought about getting a truck going down
there and unloading the pod where it is, unloading it
into one of your own rental trucks.
Speaker 3 (08:35):
Well that's they gave me that option in the beginning.
But again, this thing is loaded with my tools from
wall to wall, Florida ceilings sixteen foot long. It's eight
by eight.
Speaker 2 (08:45):
But even let me get this straight, even if they
delivered it, they don't unload it, right, They just deliver
the pod.
Speaker 3 (08:52):
Okay, that was a whole fit with pods, because I.
Speaker 2 (08:55):
Get it right. So when you first got the pod,
are you mad because they didn't tell you you were
going to be outside of the area or did it
never come up?
Speaker 3 (09:08):
Well, it never came up. Like I said, when we
got back to Colorado, my wife and I went separate
ways were of course I got you ended up in Brandy, Colorado,
and they're telling me they won't deliver it to me,
and the option of going down with unloading it is
I mean, it's like I said, it's tools.
Speaker 2 (09:28):
It's very no, I get it. But what else, John,
What were you hoping would happen if they don't deliver
to your area. Were you hoping they just made an
exception for you?
Speaker 3 (09:40):
Yeah, I was hoping they would make an exception.
Speaker 2 (09:42):
Would they load if you wanted? And I'm just I'm
just chewing the fat here. I'm not even sure this
is viable. But if you wanted to, would they let
you take that pod yourself, pick it up, take it
to your place unloaded?
Speaker 6 (10:00):
Would they allow you to do that if you.
Speaker 2 (10:02):
Wanted to do it on your dime. Let's say you
wanted to get the pod on a flatbed and take
to your property.
Speaker 6 (10:09):
Would they allow that.
Speaker 2 (10:11):
No, So they will not allow you to use their
pod at all. The only option is to unload the
pod where it sets range.
Speaker 1 (10:23):
Hey, Tom, isn't that the whole thing with pods though?
That it kind of goes anywhere. I mean, I've been
talking to my dad. He wants to move some of
his stuff to Florida, and I thought that's the whole
thing is that you can load up.
Speaker 2 (10:33):
It has to be their delivery. Yeah, that you know, Nick,
that's a good point. What what are they saying about
the delivery area? What do they mean it's outside of
their delivery area? What do they mean?
Speaker 3 (10:47):
That's just what they tell me. They say, it's out
of the range for delivery.
Speaker 2 (10:52):
So where is where are you wanting it? Where do
you want it delivered?
Speaker 3 (10:57):
Brand Lake, Colorado?
Speaker 6 (11:00):
Why the hell would that be?
Speaker 2 (11:01):
That's amazing Grand Lake, Colorado.
Speaker 1 (11:04):
Is it something where you're on a dirt road back
in the hills where they can't get it in there
or is it just.
Speaker 3 (11:11):
No? They simply were just telling me it's too far away.
Speaker 1 (11:14):
But if you wanted to get a pot there to
load it up, would they deliver one for you to
load up and then.
Speaker 3 (11:19):
Take Well, you know I thought of doing that, or
have my neighbor do it, live right next door to me,
to see if they would deliver one there. I never
did do that. You know, they're ad planes. They deliver
anywhere in the nation.
Speaker 14 (11:35):
That's where I was like.
Speaker 2 (11:36):
What, ye, well, I want it. I would be interested
to see your contract. But John, I'm going to tell you,
even if you, let's say we find something some wording
in the contract that supports you, we're not gonna you know,
you're not going to go to court to get a
specific performance and force. I mean we're at a standoff
(11:56):
right now. They're saying, look, your stuff is here. Hey,
thank goodness, after five years, your stuff is still there.
And what you really, John, I think you need to
rent a truck or a van and go over there
with some friends and unload it and take it home.
I don't see any other way. You can't force them
to do something. I mean, I guess you can. What
(12:19):
you were alluding to is, well, wait a minute. They
say they can deliver everywhere. And as I said, even
if you saw wording in the contract, what really are
you going to do it? You're going to go to
core over this? Of course you're not. So the practicality
is they're not going to do it. And to force
them to literally get a court order to compel them
(12:43):
to do it would be thousands and thousands of dollars.
It would be cheaper to hire a mover to unload
that pod and get it, you know, get it to
your place. If you want. We'll look at your original contract.
But but I don't see where we're going with this.
You're not going to get the court order.
Speaker 3 (13:05):
No, I don't want to. I don't want to hire
a lawyer. I don't want to do that because you're
absolutely right, it costs me way more money than I
can afford.
Speaker 2 (13:14):
And not only that, it's going to take a long time.
Speaker 3 (13:17):
With the van and some bodies and unloading it is
not an option. It would take me months to empty
that thing out and bring it home.
Speaker 2 (13:26):
How big is the pod?
Speaker 6 (13:28):
How big is the pod?
Speaker 3 (13:30):
Eight foot by eight foot by sixteen foot long? And
it is packed to the gills.
Speaker 2 (13:36):
All right, hold on, hold on for ideas and stuff.
Speaker 6 (13:39):
I have to take a break.
Speaker 2 (13:40):
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two five five. By the way, I don't know if
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(14:18):
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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, what's going on? Tom Martine with
(15:08):
Mark Major Major, Mark Major at the Mother Studio with
Nick Gravina from Gravina Windows dot com. And we're talking
about this pod issue, which is really frustrating, then this
identity issue. Here's the deal on both of them. We
kind of have to see things. I saw the email.
(15:28):
It looks legit.
Speaker 5 (15:29):
Man, someone ordered something a MacBook to be picked up
at best Buy. The good news is, though, whoever picks
it up has to show you know, a valid idea
valid driver's license that they're this person. So I have
no idea who made the purchase. It does look valid,
and they're only going to hold it till tomorrow. So
I suggest he simply doesn't go down.
Speaker 2 (15:51):
Yeah, he ignores it. But what's really weird is why
would someone if they want to buy something, why wouldn't
they give another email?
Speaker 6 (15:59):
He got this by email?
Speaker 2 (16:00):
Right, Yeah he did.
Speaker 6 (16:02):
He sure did. Yeah, that's weird, he said.
Speaker 5 (16:06):
He looked at all his credit cards and none of
his credit cards end in those four digits.
Speaker 2 (16:10):
So no, no, And the charge is the smallest part
of it. But what I'm wondering is maybe a name similar,
but why would they give his email address? See, if
you're going to make a purchase, people are smart enough
usually to divert the emails to the to the proper place.
Speaker 6 (16:28):
Charles.
Speaker 2 (16:28):
What I would do right now, though, is put a
credit freeze. Do you have a credit freeze on your
credit reports?
Speaker 10 (16:36):
I didn't up into that.
Speaker 2 (16:38):
Sir, And Charles, I'm going to tell you something. It's
the easiest thing I've ever done. I have a credit
freeze to a point where I can't apply. I can't
even apply to anything. Like when I was doing the
Vestera turnkey, my latest loan, I had forgotten, you know,
the freezes on there, you.
Speaker 6 (16:58):
Know, you forget about it.
Speaker 2 (16:59):
And they said, and by the way, we can't do
a credit report on you that won't let us, so
no one can open anything without that. And I'm telling
you it is truly a wonderful thing to have. And
what the way you do it? You put a freeze
on there's trans only you only have to worry about TransUnion,
(17:21):
Equifax and experience right when you put by the way,
when you put a bill on the excuse me, when
you put a freeze on there. You can even go
in like if you're applying for something, and temporarily lift
the freeze automatically for three days.
Speaker 6 (17:39):
You don't have to keep going back and forth.
Speaker 2 (17:41):
There's no charge whatsoever, and it is well worth it.
That is the only thing I can tell you right now.
Just do that, and I wouldn't worry about it. And
as Mark said, just ignore this delivery. Yeah, it says.
Speaker 5 (17:56):
It says right here, you got to bring your government
issued photo ID and your order number period.
Speaker 6 (18:04):
End of story.
Speaker 7 (18:04):
And I can I fill in some other stupid things
I did.
Speaker 2 (18:10):
Okay, go ahead, rove my car.
Speaker 7 (18:12):
I couldn't contact. I contacted them. I mentioned the old
phone number, which is defunct, and when I went back
to the the website the number had been taken off.
I went physically down to the North Glenn.
Speaker 2 (18:30):
That's why.
Speaker 6 (18:32):
But why?
Speaker 2 (18:33):
And why why?
Speaker 7 (18:37):
Because Okay, in sixty seven years I have I haven't
learned everything.
Speaker 14 (18:44):
I talked to the manager, Yes you have.
Speaker 7 (18:47):
And we agreed because the laptop was already picked up.
I was pissed off at upset with them.
Speaker 5 (18:55):
Wait wait and I said, wait, it's already been wait
wait wait, it's already been picked up.
Speaker 2 (19:03):
Yeah, but now hold on, Charles, please just listen. Hold on.
Speaker 5 (19:08):
You said you went through all your credit cards. None
of these credit cards are yours? Right, and the laptop
is no longer there? Is that what you're saying?
Speaker 10 (19:20):
I'm he is also.
Speaker 2 (19:24):
A hey, hey man, all we're asking listen, all we're
asking did they pick up the laptop? They did, so,
how did they provide? Did you now? I would be
curious to ask the guy at the store. Not.
Speaker 7 (19:40):
Apparently they look at IDs, and then I I what
about the barcode on the back?
Speaker 8 (19:46):
He says, we don't scan those.
Speaker 2 (19:50):
It's like what so, Charles, Charles, all all you have,
I'm telling you you're gonna lose sleep and you're gonna
lose hair trying to find out who it is. What
do you Here's here's what I want to tell you.
Even if you found the guy, if the guy said, oh,
by the way, he yes, he did pick up the laptop,
(20:11):
and in fact he's still in the store there he is.
I want to ask you something seriously. Now, let's get
right down to brass tacks. What would you do if
the guy at the if the clerk said, oh, yeah,
he just picked it up. In fact, he's over there
looking at some other stuff, some cases, and you saw him,
what would you do? Tell me?
Speaker 6 (20:30):
What would you do?
Speaker 3 (20:33):
I don't know.
Speaker 10 (20:35):
I have made mistakes in my life.
Speaker 2 (20:37):
Put it that way, you watch what would you do?
Speaker 10 (20:41):
I worked on the fishing boats. I drove for Uber Charles.
Speaker 2 (20:48):
I'm not asking about fishing boats. I'm asking you if
you knew who the guy was, if you knew who
it was and you saw him, what.
Speaker 6 (20:59):
Good would it do?
Speaker 2 (21:00):
What? Tell me what you would do? If you called
the police, they wouldn't do anything. They wouldn't even come there.
Speaker 7 (21:06):
I did, I did, and I tried to file a report.
They don't care to walk me through. And I can't
even file a report.
Speaker 2 (21:17):
That's right, I mean, because you don't have anyone to
file it against. Who are you going to file the
report against what Charles. What I'm saying to you is
that stolen identities have become so ubiquitous that no one cares.
No one Now if they start doing credit card fraud,
that's another story. You can shut down the front, but
(21:40):
you still won't get the guy arrested. If you saw
the guy inside best Buy and they said, oh, yeah,
he's the one that was using your name, and he
just came and got the computer there, he is right there.
The police won't show up, the store management won't eat it,
no one will do anything. We're living in the world, Charles,
(22:02):
no one cares. What you have to protect yourself. I'm
just telling you the truth. But he how do you
protect yourself to Did he even get charged for this? No?
He did.
Speaker 5 (22:15):
He has no standing at all. Then he literally he
has no standing. What's he going to say, somebody with
the same name you, somebody else's credit card that didn't
affect me.
Speaker 2 (22:27):
I have no idea what he wants.
Speaker 6 (22:30):
I don't know what he wants. Charles.
Speaker 2 (22:32):
That's a good question. And seriously, we're not attacking you
or anything. We're discussing this issue because it happens to
a lot of people. So in a very simple terms,
tell us what you want. What were you hoping we
would tell you today?
Speaker 10 (22:47):
Well, I really don't know anymore.
Speaker 7 (22:54):
I you know, I do want the guy to have
problems with you.
Speaker 8 (22:58):
Know, what about Mary situation?
Speaker 15 (23:01):
What a zipper.
Speaker 8 (23:04):
To say?
Speaker 16 (23:04):
But what you.
Speaker 6 (23:06):
Want him to zip is junk up.
Speaker 2 (23:10):
Oh I don't even know what he's saying.
Speaker 5 (23:12):
It's just seeing in a movie what about Mary? But
I don't understand the relevance he.
Speaker 2 (23:17):
Wants him to get his wiener.
Speaker 7 (23:19):
He taught he has got a leasing contract under my name.
Speaker 10 (23:25):
He tried to open.
Speaker 2 (23:26):
Wait wait, wait, wait, now that hold on Charles a
way to bury the lead. So this goes far beyond
the computer. You found other things this guy is doing
in your name.
Speaker 7 (23:38):
All on Friday.
Speaker 2 (23:40):
Okay, hold on and we'll come back to this. I
gotta take a break. I'm not gonna let Mark lure
me into being late like he usually does. By the way,
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(24:01):
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(24:23):
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you're content. Time for an insurance checkup free, no obligation.
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seven seven to one help. You'll think you're his only
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three nine two zero sixteen twenty two. Hey, I'm Tom Martine.
(25:04):
You're a troubleshooter of three oh three seven to one
three talks seven one three eight two five five. What
a beautiful day. Don't forget Denver Regen dot com for
painful joints and tendons.
Speaker 6 (25:14):
They did a great job on me. They do shoulders, elbows, knees.
Speaker 2 (25:18):
They specialize in lower back and neck Denverregen dot com. Okay,
now let's continue and talk about this U we have
Kyle wants to talk about their neighbor and the dogs,
and then Allen's got a question.
Speaker 5 (25:35):
Hold on, let's finish this other guy. Okay, go ahead, Charles.
So I'm looking at this email, and.
Speaker 2 (25:42):
For those listening, he's saying that a computer showed up
at Best Buy paid for and it wasn't him.
Speaker 5 (25:48):
Go ahead, and he got an email. So he got
another email from Hey, Charles, this is your email address, right?
I mean, I hate to even ask you that, but
it is is.
Speaker 2 (26:00):
Right, it is.
Speaker 8 (26:02):
I've had it a long time.
Speaker 5 (26:04):
The dessert one right or desert or whatever you want
to say it is to be crazy, that's fine. You
don't have to say that, Loud. I don't want you
to give it out. So I think it is possible
someone has possibly taken his identity and opened up this
lease payment. And what this lease payment is one of
(26:24):
these buy here pay over time deals, you know, tire
stores take them, all kinds of.
Speaker 6 (26:29):
Places take them. Can you tell what it's form.
Speaker 5 (26:32):
Now it just says how much the payment's for. That's
all the information I have, Charles. Do you know what
it's for? Or you have no idea but this that
you sent me?
Speaker 10 (26:40):
No I did.
Speaker 8 (26:42):
I did talk to a rep and they we need
to have.
Speaker 6 (26:46):
Yeah, I know.
Speaker 5 (26:46):
Here's what we really need to do. We need to
have someone hold his hand and walk him through looking
at his credit. I don't know how easy or hard
that's going to be, but we have to see it.
Speaker 7 (26:56):
This go ahead, Chelsea, I'm I'm okay with how the
Federal Trade Commission is.
Speaker 6 (27:05):
Oh my god, I got to put them on hold.
Speaker 5 (27:08):
Here's what we've got to do, Tom, someone has got
to hold his hand and look at his credit and
make sure these were not opened up the best Buy
and this Amika or a Chema one under his actual
social This could be happening. There's no doubt about it.
Speaker 2 (27:23):
Now, Okay, So it does look like that and this
least payment, how much is it? Mark?
Speaker 5 (27:28):
This one is a payment twice a month for one
hundred and eighty six eighty one.
Speaker 2 (27:33):
But if he's not being charged, they're just using a name.
I'm wondering what the game is of the scammer, what's
the game.
Speaker 5 (27:40):
No, what I'm saying is I wonder if whoever picked
up the laptop and whatever this payment's for. It could
be for tires, it could be for an engine, it
right for a furniture, if they actually benefited. But he's
going to end up getting billed. In other words, HiT's
on his credit report. If it's not on his credit report,
I'm with you, I can care less. But if it
(28:01):
is on his credit report, he's got a problem.
Speaker 2 (28:05):
But if they open an account in his name and
he did not do it, and they did not use
the proper docs, I mean, you're right, he's got a problem,
but he can ultimately get out of it. I mean,
they're not going to collect from someone who didn't make
the debt.
Speaker 6 (28:19):
I need to agree with you, But we need someone
to help him.
Speaker 2 (28:23):
We really need someone to help him because he doesn't
seem you know, he's talking about the Federal Trade Commission
all of this.
Speaker 5 (28:30):
Let's have Doc. I think this would be perfect for Doc. Honestly,
do you.
Speaker 2 (28:34):
Really believe then? I was thinking dollar. I was thinking dollar.
I see Dollar over there, smiling.
Speaker 6 (28:40):
You want to do it?
Speaker 2 (28:41):
Dollar? Dollar? It sounds like here's what I think. And
then let's teach him how to put a credit freeze on,
because no one can do anything when you have a
credit freeze. It's the simplest, easiest tool in the world
to use.
Speaker 5 (28:54):
And here's the gassiest way for you, Dollar. If he's
got a credit card or real credit card, either three
Chase or Capital one or Amex, when he logs on,
he could look at his credit right there and see
what has been open.
Speaker 6 (29:07):
That's gonna be the easiest way.
Speaker 2 (29:10):
Okay, Now let's I want to move on. I'm gonna
give this. Let's give this to Dollar. But Alan, I
think I can probably answer this pretty quickly on capital gains.
Speaker 6 (29:19):
Go ahead, Alan, what is your question.
Speaker 16 (29:23):
I'm selling a house in Boulder, and I'm probably gonna
make maybe two to three hundred thousand dollars on it,
and I'm just wondering, and it's my first house sale.
Speaker 6 (29:33):
Are you single?
Speaker 2 (29:36):
Yes? Well, most importantly, is it a primary residence? Yes?
Speaker 6 (29:42):
Okay? And how long have you lived there?
Speaker 16 (29:46):
Well, I've been here since two thousand and nine, but
I got Divoris and I got.
Speaker 15 (29:51):
The house back in twenty twenty two.
Speaker 2 (29:55):
But you've been living there as your primary residence. Okay,
so you've lived there two of the past five years,
it's going to be your primary residence, and you have
an automatic exclusion of two hundred and fifty thousand dollars
of gain. Now make sure, though, that you calculate gain properly.
(30:15):
Many people just take the price they paid for the
house and call that their basis. But you're allowed to
add to that basis anything that you did to improve
the house. That includes major landscaping, permanent appliances, paint, countertops,
any kind of improvements. Did you how much did you
(30:37):
buy the house for?
Speaker 15 (30:39):
We bought it originally for three thirty five and then
I got it back them in Divores for four to
thirty five.
Speaker 2 (30:46):
Okay, so your basis is four thirty five.
Speaker 6 (30:49):
Okay.
Speaker 2 (30:50):
Did you do any improvements to it? Oh?
Speaker 15 (30:53):
Yeah, Oh no, we did when we bought the house.
Speaker 2 (30:56):
No, I'm talking about after the sessiment.
Speaker 6 (31:00):
Did you do anything?
Speaker 15 (31:02):
Oh yeah, no, fencing, landscaping, corner talking.
Speaker 2 (31:06):
So you come up with a basis, what are what
are you selling it for?
Speaker 6 (31:09):
Do you have a buyer?
Speaker 15 (31:12):
No, it's going to go on the market this week.
Speaker 2 (31:15):
What do you think it'll sell for?
Speaker 15 (31:18):
Well, my neighborhood is like nine hundred thousand.
Speaker 2 (31:21):
Okay, let's say it sells for nine hundred and you
subtract your basis. Are you sure you're even going to
have more than two hundred and fifty thousand in gain?
Speaker 16 (31:33):
I you know now that I have to calculate that
what you just talked about, I don't know.
Speaker 2 (31:39):
But now if you do, it's very easy. You get
the first two hundred and fifty thousand dollars in gain free,
it's excluded. Then let's say it comes to three hundred thousand.
You would only have to pay long term capital gains
on the extra. So if it's three hundred thousand, that
you truly made it profit, then you would have fifty
(32:03):
thousand dollars of taxable gain at about twenty percent. That's
fifteen percent federal, five percent state.
Speaker 5 (32:10):
But don't forget to tell your accountant about the roof
deciding the pain, the HVAC systems don't whatever you did
the betterment.
Speaker 2 (32:19):
Yeah, we got to take and remember this, No one
that I know of has ever checked a home sale
for people. I'm not telling you to cheat. I'm just
telling you you don't have to split hairs. We have
more coming up. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent
(32:41):
until you're content. Time for an insurance checkup free, no obligation.
In comparison, call Compass Insurance Pain 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
(33:03):
three oh three nine two zero sixteen twenty two. Hi
Tom Martino, your troubleshooter three O three seven one three
A two five five. So, Jeff, let's start with your problem.
We have some experts on that could help you. You
have a time share. What's going on with it? Jeff?
Speaker 8 (33:30):
Can hear me?
Speaker 2 (33:31):
Yes, sir, what's going on with your time share?
Speaker 8 (33:36):
So it's not specifically my time share, but it's my
mother who is.
Speaker 2 (33:42):
Eighteen Okay, she lost when did she When did she
buy the time share?
Speaker 8 (33:50):
Oh gosh, it's been twenty plus, maybe even.
Speaker 2 (33:54):
Twenty okay, okay. Is it a condo?
Speaker 8 (34:01):
So it's specifically trend West. So the accumulate points, So
she buys points and then she uses those points throughout
the year.
Speaker 2 (34:12):
Yeah, so they don't really own anything. She just belongs
to this point club. And the thing about the point system,
they can devalue your membership overnight by simply increasing the
number of points it takes to get a week, and
then they say to you. They sell it to you,
sometimes saying, hey, you're buying a week anywhere in the world,
(34:33):
and then all of a sudden, it's only two or
three days and you have to buy the rest to
make it a full week. The point system. As much
as timeshare sucks, the point system sucks even more. We're
going to talk about this and have our expert on
right after this. Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent
(34:54):
until you're content. Time for an insurance cup free no obligation.
In comparison, call Compass insurance paying too much your coverage
at dozens of insurance companies find out now three all three, seven,
seven to one help. You'll think you're his only customer.
When you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three All
(35:17):
three nine two zero sixteen twenty two, Ripped.
Speaker 4 (35:26):
News.
Speaker 5 (35:29):
Who you don't have?
Speaker 4 (35:32):
Come run anxious sustas as we can. Shooter's gonna help
come man, this is the.
Speaker 2 (35:40):
Troubleshooter Show now, Tom Martine. Hey, I'm Tom Martino. Welcome
to the show, along with Mark Major back at the ranch. Mark,
who do we have sitting there?
Speaker 6 (35:50):
And what are we talking about?
Speaker 5 (35:51):
You got Nick Gravinas, of course with Gravinas, and then
we have Deputy Chopper. We have Scott sitting over here
at Deputy. We have Shannon as always, and then of
course let's not forget about Kelly answering your calls and.
Speaker 2 (36:07):
Yes, okay, So we got a lot going on, and
we've been talking about identity theft along with other things.
We have somebody who called in with on unusual issues.
Somebody seems to get got they got a hold of
his identity for a computer and something else, some other
(36:28):
lease or lease payment in any case, we talked about
credit freezes and I got a text saying, well, what
exactly do you do if you just go to the
websites for the three major credit bureaus. They have instructions
and it's managing a credit freeze. It is very easy.
Once you put it on there, you can simply keep
(36:49):
it on there and then temporarily thought out. When you
want to apply for something, I wait until I'm asked
to thought out. Then I know the creditor that I
applied to you is ready to take my credit. So
I do it for a day or two and then
it automatically goes back on.
Speaker 6 (37:06):
So do that.
Speaker 2 (37:07):
And then we have an issue with a timeshare. And
we have an expert on Mike Finn, the Finn Law Group.
We've been dealing with him for many years, one of
the few legit experts for getting people out of time shares.
And why do I say that I want to bring
this up when it comes to timeshares. Then we'll go
to Jeff. But there was a timeshare team. I thought
(37:28):
they called themselves an exit team, whatever it was. What
they did was they had wording in their contract. Listen
to what the wording said, you remember this mark. The
wording said, if we present you with a settlement offer
from the timeshare developer and you turn it down, we
have done our job and earned our commission. In other words,
(37:51):
And so I asked them one time well, what exactly
is an offer? The offer could be outrageous or unconscionable,
but you've done your job as long as you bring
the What if the offer was pay it in full?
What if the offer was pay fifty percent of it?
I mean, what I'm saying is you have to watch
these timeshare exit contracts because they're very tricky. Now, we
(38:16):
like Mike Finn because he's a no nonsense attorney who
takes on these cases and he knows how to get
you out of them.
Speaker 6 (38:24):
And it's reasonable.
Speaker 2 (38:26):
But beware of all the other companiesing these exit strategies.
Speaker 5 (38:35):
They're not all what they're cracked done. You know the
one that drives me crazy, just drives me nuts. I
think it's Wesley. And here's why it drives me crazy,
because this guy comes on and says it how it is.
He goes, you know what, I used to sell time
shares to everybody. Now I can't live with myself, So
now I can help.
Speaker 2 (38:55):
You get out of it.
Speaker 5 (38:56):
Can you imagine he sold you a timeshare. Now he's
I'm after you to get you out of it. And
that's just not right anyway. So let's talk to Jeff.
Speaker 2 (39:07):
What is going on, Jeff, start your story about your
time share. Jeff, your mom bought into a point system
right correct?
Speaker 16 (39:19):
Now?
Speaker 2 (39:19):
The point system, in my opinion, as bad as time
shares are, the point system is the worst. We had
someone go to a timeshare presentation one time and they
were told they're buying two weeks, okay, and those points
represented two weeks. Suddenly a year and a half later,
(39:39):
those points were only good for one week, and then
another year and a half after that those points were
only good for three days. And then what they do
is they cleverly offer you the balance of the points
to make your week complete. So with points, you really
never know what you're buying.
Speaker 6 (39:57):
And what happened?
Speaker 2 (39:59):
Where does she buy these points?
Speaker 8 (40:04):
Her point systems through trend West. I think it's also
could be considered under world mark.
Speaker 2 (40:11):
And how did she go? Was she had a meeting
with Tell me how it happened?
Speaker 8 (40:16):
Yeah, so probably about twenty twenty five years ago. They
were invited her and my follower invited to a one
of those meetings at a hotel and they bought into
the point that long ago, Yeah, about twenty five years ago.
Speaker 2 (40:31):
How long has she been?
Speaker 8 (40:35):
Maybe even longer than that?
Speaker 2 (40:37):
How long has she been paying on it?
Speaker 8 (40:40):
So the membership has been paid for. So she so
she bought x amount of points, and then each year
they offer her an upgrade to platinum or silver or gold,
whatever it may be, and then they add her more plug.
Speaker 2 (40:56):
Tell me what she heard? Tell me if you had
to add up what she paid so far, what would
have been?
Speaker 8 (41:03):
Oh god, let's say, I would say close to eighty thousand.
Speaker 6 (41:11):
Oh my god.
Speaker 2 (41:12):
She makes every every year she has to make a payment.
Speaker 8 (41:16):
So yeah, every so every month she makes a payment
for I guess it's like maintenance fees, cleaning fees. And
every years. Has she ever used her points? She has
used the points in some years she doesn't use any
pumps only because some of the places she wants to
(41:38):
go to it's all booked up, so she's not able
to get into the places she really wants to go
and has to pick from places that she would she
doesn't care about going to.
Speaker 2 (41:50):
This is terrible. Has she ever tried to get out
of it before?
Speaker 8 (41:56):
She she has, but she's never gone to the extent
of like following through with anything. So today she has
a meeting with them in regards to seeing how she
can get out of it. And from what I got
from her on a phone call, whege they're going to
charge her X amount of dollars just to cancel it.
Cancel it. So that's why I called to see if there's.
Speaker 2 (42:17):
How much are they going to charge?
Speaker 8 (42:20):
I think she said four to five thousands.
Speaker 2 (42:24):
That might be the cheapest way out. I don't know,
but we don't know if that's really going to sentence.
You know, we don't know what they're.
Speaker 6 (42:29):
Going to offer.
Speaker 2 (42:30):
Let's go to our attorney and asked Mike Finn, Mike,
have you heard system.
Speaker 17 (42:41):
I'm not familiar with that particular program, but you're right
on the money, Tom. If she can get out for
four to five thousand dollars and it's a legitimate offer
from the developer, pretty much has to be something the
developer because if it's a third party company, it's probably
we as a scam. If it's if the it's a
(43:05):
If the developer is offering her a termination for four
to five thousand dollars, that's a sure thing. My fees
are somewhere in that neighborhood as well. But if you
take if you to take out and find law group,
you're signing up for a period of time, and we
(43:25):
cannot say one thousand percent that's that's the client's going
to get out. It always happens, but we're not authorized
by law to make that guarantee. So she has a
guaranteed accent for.
Speaker 2 (43:40):
How she even know? This could be a third party
just trying to sell her condo. You know, they they
come on saying we're going to get you out of this.
She does. You know, Jeff, you need to get involved directly.
You need to really know that you're dealing with the
developer because this could just be some marketing firm.
Speaker 17 (44:00):
That's right, Okay, that's absolutely right. If somebody can call
me and let me know who the parties are that
they're dealing with, I can. I'm happy to provide some
advice no charge, as to whether or not there's getting
another scam or not, and.
Speaker 2 (44:22):
I'll give out that information the sin Law group. But
here's still even if someone wanted to hire you, Let's say, Mike,
someone does have an offer from like this and they
want you to review it. Can you do an hourly
review without doing the whole shooting match?
Speaker 17 (44:39):
Absolutely? I can usually tell, but who the participant is,
whether it's legitimate or not, because we know who all
the players are. And again, Tom, I would never charge
anybody for expressing my opinion. And in terms of the
amount of research I have to do, it'll be minimal
because we already know who the players are. So it's
(45:00):
really not an issue for us at all.
Speaker 2 (45:03):
Okay for an initial consultation, Jeff, Jeff listen, I want
to ask you, how did she get this offer to
get out of it?
Speaker 6 (45:12):
Did she inquire?
Speaker 8 (45:15):
Yeah, she's been contacting trend West or world Mark directly
and just saying she can't afford the maintenance fees any longer.
She's on a fixed income, retired, and they continue to grow.
So she's trying to figure out how she can just
step away from it altogether and not have it.
Speaker 2 (45:34):
Was the original one world What was the original one?
Trend West or world Mark?
Speaker 8 (45:40):
I want to say World of Mark.
Speaker 2 (45:43):
And then it was transferred to trend West.
Speaker 17 (45:47):
Yeah, it's a it's a Windom operation.
Speaker 8 (45:51):
Yeah, Windham as well as a name that I commonly
on her paperwork.
Speaker 5 (45:55):
Hey, Mike, if she if she's on a fixed budget,
and let's say she doesn't have any assets that are
beyond the exemption for a b K if she did
do a Chapter seven and once again she's under it,
she falls under every exemption. Wouldn't that be the easiest
way out.
Speaker 17 (46:15):
Sure, certainly the easiest way out is probably, look, I'm
not going to pay any more money, do what you
have to do. We obviously like to have a law
firm waiting in the wings, because they're not going to
come after somebody that has a lawyer already essentially retained,
(46:37):
that has a reputation, like Finn log because with the
time shares. So we like to say we can help
you get out, but one of the things we're probably
going to say is you're going to have to take
the position if you're not going to pay any more money,
no matter what.
Speaker 2 (46:53):
Now, Mike, listen to this years ago. I'm looking at
some cases we had because we had a bankruptcy attorney
on and what timeshares were doing. Then if they had
someone in a twenty five or a multi year contract
and they had accumulated fees, the timeshare group was not
(47:20):
taking the condo back. They were simply waiving the money
up to the point of bankruptcy. But as soon as
they emerged from bankruptcy, they still owned the timeshare and
still had to make the maintenance fees. They never took
the condo.
Speaker 17 (47:40):
That's exactly, does not get you out of your contract.
Speaker 5 (47:45):
No, But if you're not collectible, what the hell's the difference?
Speaker 2 (47:48):
Is what I'm saying. There is no difference, right. If
you're not collectible, you're not collectible.
Speaker 5 (47:54):
I mean, if you're making a thousand bucks on Social
Security and you're living with a family member and don't
own a v go and have nothing in the bank,
I just quit paying.
Speaker 2 (48:04):
Yep. Yeah, if she just stops paying. How likely is it, Mike,
if people stop paying that they'll come after you with
an attorney.
Speaker 17 (48:15):
Well, again, we like to say if you have an attorney,
it's like extra insurance. They will not come after you
if you have an attorney. If you don't have an attorney,
it's a little bit more of a roleization. Realistically, they're
probably not going to come after you. They're going to
discover that you don't have anything, and they're not going
to come after you if you don't have anything. So
(48:36):
your point's well taking time, okay, and.
Speaker 2 (48:39):
Mark made that point about being uncollectible, So thank you
very much, the fin Law Group. Mike Finn, let me
give out that number for those listening. This guy's legit.
Beware of those people that offer to get you out
of time Shares. I'm telling you, hey, Mike, they have clauses.
They have clauses that can trigger a fee even if
you're not ultimately released.
Speaker 6 (49:01):
Go ahead, what we I don't.
Speaker 5 (49:02):
Want you to go a lot of people don't want
to go after their competition. But that guy that has
those damn commercials that says I sold time Shares for
twenty years now I'm feeling bad about it and I
want to help you get out of here.
Speaker 6 (49:15):
Don't you find that just insane? Yes, yeah it is,
it's kind of.
Speaker 2 (49:21):
Yes.
Speaker 6 (49:22):
Okay.
Speaker 2 (49:23):
His number Mike Finn and it's finn Fi n n
finn Lawgroup dot com. That's the easiest way to double
n finn Fi n n finn Lawgroup dot com. Or
eight five five three four six six five two nine.
(49:50):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Speaker 1 (49:59):
Top of it.
Speaker 2 (50:00):
Time for an insurance checkup, free no obligation comparison call
Compass insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven seven
to one. Help. You'll think you're his only customer when
you choose Frank durand the real estate man dot Com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi, Tom Arsino here
(50:25):
at three O three seven one three talk.
Speaker 6 (50:29):
Seven one three A two five five.
Speaker 2 (50:32):
All right, let's talk to Kyle about the neighbor and
the dogs and uh on.
Speaker 6 (50:38):
One thing I do want to say is.
Speaker 2 (50:41):
This is something that has happened for years and years
and years, and there's really nothing nothing to do about
noisy dogs. Man. People have been claring about this sometimes
hoa's do something. I don't know if that's what they're
even calling about noise, But local ordinances dog if they're
(51:01):
confined in the yard, they're usually untouchable by law enforcement
or by animal control. What's going on, Kyle? What's the story?
Speaker 12 (51:10):
Okay?
Speaker 18 (51:11):
John, So for a few weeks that we were outside
of my parents' house, dogs came outside. My daughter let
them out. An older gentleman was walking his dog. The
dog got excited, bark started running towards them. I got
control of one, but our b bo also had a
bark call, so he barked, he got death. They didn't
(51:31):
leave the property, but the gentleman got startled, tripped over
his dog, and fell over on his hands and knees.
And now we're getting a letter from a personal injury
attorney claiming he got a head injury. But at the
time when he was walking in if we see him
walking his dog, his dog's got I don't know, one
hundred pounds and we have a bee going to hold
(51:52):
much per.
Speaker 2 (51:54):
Okay, So so Kyle, paint this picture for me. We
might want to get John Fuller on, but paint this
picture for me. It all started with this guy walking
his dog.
Speaker 18 (52:05):
Yes, he was walking his dog in front of our house.
Our dogs were outside on the driveway.
Speaker 2 (52:11):
Okay, so he's walking past your house and what.
Speaker 18 (52:14):
Happened and he's technically on in front of our house
at the time. He's past our house in front of
our neighbor's house a little bit, and as the dogs
start barking and running, he we's got control the dog
pretty quick before they could leave our property. They never
reached it, but he got.
Speaker 13 (52:33):
Startled, turned around, pulled.
Speaker 18 (52:35):
On his dog, got dog.
Speaker 6 (52:39):
So what he is saying.
Speaker 2 (52:41):
What he is saying is your barking dogs caused his
dog to panic, which caused him to trip.
Speaker 18 (52:48):
Oh, his dog's never panicked. His dog was completely pung
He's him like he's panicked, pulled on the dog. The
dog seemed interested to say Hey, the dog want to
say hi. And he's playing a grassive. Dogs attacked him
and now he's claiming a head injury.
Speaker 2 (53:04):
Wait, is he actually claiming your dogs attacked him?
Speaker 18 (53:08):
They're claiming our dog tacked him and his dog.
Speaker 2 (53:11):
Do they offer any evidence at all? Like witnesses, all.
Speaker 18 (53:15):
We've gotten is a letter from a personal injury attorney
wanting my my father's home insurance information.
Speaker 2 (53:22):
We need to get John Fuller on to talk about this.
Can you hold on while we try to get our
attorney on? We might have to call you back even
but I think it would be worth it because this
this could go either way. I mean, did you did
you see the guy fall?
Speaker 9 (53:41):
Yeah?
Speaker 18 (53:41):
We mean my marther and my father were all outside.
We all fall him fall. But here's Delphan interesting. We
see him all the time in the neighborhood. He always
wears a helmet when he walks his dogs.
Speaker 6 (53:53):
What do you mean like he's slow.
Speaker 18 (53:56):
Either he's older, but I guess from a neighbor is
like the past winner. He slipped and his dog told
him about one hundred yards on the basement on my ice.
Speaker 2 (54:06):
But the man did actually fall in demand did actually
fall and hit his head.
Speaker 18 (54:11):
No, he never hit his head. He laid on his
hands and knees. He got up and he didn't even
the same thing about himself. He was more worried about
his dogs. Born acl.
Speaker 2 (54:24):
Okay, are they asking for an amount?
Speaker 18 (54:28):
Nothing like that. The letters of states that we would
like their homeowner insurance information that nothing will happen to
your dogs.
Speaker 5 (54:35):
I wouldn't give him any information, but I like your idea.
Let's get fuller on.
Speaker 2 (54:40):
Yeah, hold on a second, we're gonna get fuller on
to talk about this.
Speaker 6 (54:45):
Uh, he's our personal injury.
Speaker 5 (54:46):
You know what if your gut, say, Tom, you get
a letter from a neighbor saying, hey, give me your
homeowner's info.
Speaker 6 (54:51):
I tell him, hey, pound sand.
Speaker 2 (54:56):
I I think I might ignore it, or I might say,
you know, I don't know, I just don't know. I mean,
the guy was walking and he was past his house.
Kyle's dogs were barking. There's nothing aggressive about dogs barking.
Was there a fence on your property, Kyle? Or did
your dogs have free rein to go after him?
Speaker 18 (55:19):
He tried to. I got control of one.
Speaker 2 (55:21):
If he didn't. No, No, I'm not talking about control. I'm
talking about that man's perception. Was his perception that those
dogs could have gotten there was nothing holding them back.
Speaker 18 (55:32):
Oh there was so basically he wouldn't have been able
to tell if they were wearing calls. But yeah, basically
he couldn't tell anything holding them back.
Speaker 2 (55:38):
Right, So for him, it looked like two loose dogs
coming after him.
Speaker 5 (55:43):
Yeah, okay, but they never, let's say, never breached your property, right, No,
they never.
Speaker 18 (55:50):
They never made a pass the property.
Speaker 2 (55:52):
I mean, they're an interesting question. Does that constitute a
threat or a legitimate problem that caused this man to pen.
Speaker 5 (56:02):
Out on your property? I mean, that's crazy, Tom, that's
what a dog should be doing, and it's not.
Speaker 2 (56:07):
And when he did fall, Kyle, was it literally on
your property or off your property?
Speaker 18 (56:14):
It was it was on the sidewalk past our property line.
Speaker 2 (56:18):
I don't get that. That is so weird. So he
is saying, like, for example, then proximity has nothing to
do with it. What if your house was across the
street and your dogs barked and the man looked and fell.
Speaker 6 (56:32):
I mean, does that make you.
Speaker 2 (56:34):
Liable because the man looked at who was barking? I mean,
That's what it sounds like to me. So you hope,
We definitely, we definitely have to get someone on this,
but I have to take a break right now. This
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(57:25):
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 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 with Mark Major.
(57:52):
We're talking about all kinds of stuff, including, of course,
uh this uh timeshare thing. Jane, you have a comment
on timeshares, Go ahead, what is your time We're going
to go to John Fuller right after that. What is
your comment on time shares?
Speaker 19 (58:07):
Well, I had a timeshare with Marriott in Vail, Okay,
and I had it for twenty years and I enjoyed it,
but it's kept going up in price, and even traded
it from Marriott to Hawaii, I had to pay extra
and so I posted it on Craigslist and gave it away.
Speaker 6 (58:30):
Okay.
Speaker 2 (58:31):
I just want to tell you something and thank you
very much for calling. Jane.
Speaker 6 (58:34):
Thank you for calling. Even if you give.
Speaker 2 (58:36):
A timeshare away or you sell it, the developer holds
you to original recourse, meaning if anything goes wrong down
the line, they can come back to you. They never
release you from liability unless you go through a law
firm and get it specifically mentioned. Are you still have
recourse to the original agreement? So if anything ever goes south.
Don't be don't be surprised if they come after you.
(59:00):
You gave it away, John Fuller, this is a really
odd case and I'd like you to weigh in on it.
So Kyle's dogs are out in the yard. They have
collars on him to keep them in the yard. Another
guy was walking his dog past the property. When he
got past the property, Kyle's dogs started barking more and
(59:24):
Kyle got control of the dogs, he said, But the
neighbor was tripped by his own dog's leash and fell.
And now a personal injury attorney is making inquiries into
Kyle's homeowners. He's saying that the dogs startled this man's
(59:44):
dog and it caused this man to fall. Okay, what
do you think of that? I mean, should he just
give his homeowners information?
Speaker 11 (59:56):
Well, he has no choice. I mean, here's the thing
that you have to keep in mind when you have insurance.
That policy of insurance requires that you put them on
notice as soon as you're aware of a potential claim
being made, and then they have the right and the
duty to defend you in that matter, which means they
(01:00:19):
have the ability and sometimes the you know, the resources
to get involved early on in a case to kind
of preserve evidence and take the steps that they'll need
to be able to properly defend you. So it's a
no brainer from this gentleman's perspective. Call your insurance company
right away, turn it over, and stop worrying about it.
(01:00:40):
What is not smart of your caller to do is
to attempt to negotiate, to attempt to argue about it,
to attempt to you know, to contact and directly work
something out, and certainly not to offer money or anything
to you know, make the whole thing go away. None
of those approaches are the right thing to do. Simply
(01:01:02):
take advantage of the insurance that you've already bought and
paid for and call them and get let them get
on top of it and work things out.
Speaker 2 (01:01:11):
And should he give the information to the opposing attorney,
he's saying, he sure, yeah he had.
Speaker 5 (01:01:17):
If I heard you right, John, this guy has a
duty when he got that homeowner's insurance to absolutely listen.
Speaker 11 (01:01:25):
Your insurance company is not going to pay it.
Speaker 2 (01:01:27):
According to Kyle, he didn't even know there was going
to be a claim. Kyle, I'd not what you're saying.
You didn't even expect there would be a claim you
didn't know anything happened.
Speaker 18 (01:01:37):
No, because he's fell on his hands and knees. But
he's claiming a head injury.
Speaker 17 (01:01:43):
Up.
Speaker 11 (01:01:43):
Here's the thing.
Speaker 13 (01:01:44):
What are you going to do?
Speaker 11 (01:01:46):
Call him out to a parking lot and get in
a fight with him or something. I mean, the reality
is that the process is going to play itself out.
And if the guy is making claims that are just baseless,
and he may be, and I'll assume that he is,
then the process will ferret that out. There'll be no
medical records to support that, There'll be a lack of
(01:02:06):
any sort of documentary evidence to support that. And I
can promise you that the insurance company will not just
throw money at baseless claims. Good lord, I'd be rich
and famous by now if that were the case. But
they certainly hold me to the burden of proof on
all of my cases, and they will for this person
as well.
Speaker 5 (01:02:25):
Hey, John, So on the merits of this, if we
take Kyle at his word, his dog's never left his property.
They have the invisible fence collers on, and they ran
up to the edge of the property. The other guy
was already past his property in front of the neighbors
on the sidewalk and he gets startled because those dogs
(01:02:46):
ran up and he ends up tripping over his own dog.
I mean, do you see in any way how that
is Kyle's fault.
Speaker 11 (01:02:55):
Well, I can tell you you know, it's not a
dog bite, so the dog bite statue doesn't apply. So
the only thing I could see that would would remotely
come into play would be a traditional premises liability case
where Kyle's dogs were a non dangerous condition, which I
don't think they necessarily were, And so the burden approved
for this gentleman's attorney is going to be really high.
(01:03:17):
So let the insurance company do what you know, do
what they do and call and get your version of
the events, take photographs, do everything you can to show
you know that you've got the better hand on the
facts here, and sit back and let them do their thing.
There's not going to be a penalty, you know, to
you for a claim that has no merit being made
(01:03:38):
against you. It's not like in a car accident, where
you know you you've had some responsibility for playing a
part in the accident. But on homeowners, I think the
better course of action is to let them know, give
them all the tools that they're going to need to
be able to rebuff this claim. And when they hold
this other attorney to the burden of proof, you gonna
(01:04:00):
find it likely that claim will go away and it
will result in no money being paid or you know,
nothing out of nothing, off of your out of your
back pocket at all.
Speaker 5 (01:04:10):
Hey, what for clarification, John, what is the dog bite
statute you were talking about?
Speaker 11 (01:04:16):
Well, well, this is a dog bite statue. Sorry, go ahead, sir.
Speaker 2 (01:04:22):
No, No, I was just saying, this is not a
dog bite.
Speaker 11 (01:04:28):
I said, there's this is not something that would fall
under the dog bite statue. There is a specific statue
feeling for when dogs actually bite other people, and it
really is a terrible law in Colorado. It requires that
there's serious bodily injury before you can actually collect anything
beyond actual medical bills and stuff. So that would not
(01:04:49):
come into play in.
Speaker 2 (01:04:50):
This particular pace because I.
Speaker 12 (01:04:52):
Was so light.
Speaker 11 (01:04:53):
So the only thing this gentleman would be able to
claim would be that it was a non dangerous condition
and they failed to against that condition. Under basically a
premises liability type theory. It's not really a straight and aglidence.
It would fall under the premise's case. In my opinion,
I mean.
Speaker 2 (01:05:13):
Under the reasoning of this guy, let's say neighbors across
the street their dogs barked and it caused him to look,
he was startled and sell could he go after those
neighbors across the street.
Speaker 11 (01:05:25):
Tom, I don't think that there's a jury in this
state that would award money for you being startled by
some other person's dogs barking as you walked in front
of their property. I don't see that happening. So okay,
I don't know what the guy's gonna what the guy's
gonna claim, but you know, hey, you can bring a
lawsuit for anything you want, but the best right, you know,
(01:05:48):
the best thing to do is to put up a
strong defense. And when that particular attorney contacts the insurance company,
they're going to be told, in no uncertain terms that
we're not going down this road on this claim. It's
meritless right claims are full of it, and go away.
Speaker 2 (01:06:07):
Thank you. John Fuller our auto accident expert and personal
injury expert, and he's at three oh three five nine
seven forty five hundred. He'll talk to you about your
accident or claim up front with no obligation, but he'll
talk to you personally with no obligation.
Speaker 6 (01:06:24):
If you do hire him, you.
Speaker 2 (01:06:25):
Still get his cell phone that you can call her
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(01:06:46):
no obligation. Comparison call Compass Insurance paying too much your
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Remax Alliance three all three nine two zero sixteen twenty two.
(01:07:10):
Hi Tom Artino, you're a troubleshooter three three seven one
three eight two five five Kevin? What's going on with you? Kevin?
How can we help you? Kevin?
Speaker 17 (01:07:19):
Yeah?
Speaker 14 (01:07:19):
Actually it's not Can hear me?
Speaker 6 (01:07:22):
Yes, sir?
Speaker 2 (01:07:23):
Hello?
Speaker 14 (01:07:24):
Okay, Yeah, I hear you. I got a call, all right.
I got a call yesterday from my parents saying that
there's a message left on their voicemail that Denver City
and County is looking for me. I don't live at
their house, but so I called the number and the
number seemed Legit said this is Denver City and County office.
(01:07:46):
And I left the message saying I received this message.
I got a call back immediately and the guy said
that he's with Denver City and County and I was
supposed to be at a grand jury and if I
don't come in immediately, there's going to be a worn
out for my arrest because I was supposed to be
(01:08:07):
at grand jury yesterday at eight am.
Speaker 2 (01:08:09):
Now, why did you not just look up the number?
Why didn't you just look up the number instead of
using the one your parents got?
Speaker 14 (01:08:20):
Yeah, I don't know. I just figured. I just I
just figured that number was was good. It was a
seven twelve.
Speaker 2 (01:08:26):
Well they don't they don't do it like that. So
it's a fraud, ignore it.
Speaker 14 (01:08:32):
No, totally it was. But he kept me on the line,
tried to get me to no, this is this is
definitely a fraud. And I'm just wondering if there's anything
you can do to track these people down because he
tried to get me to pay the He said that
I told him I never received that. He said, there
you signed for it, that you received that on August eighth,
(01:08:55):
and you were supposed to.
Speaker 2 (01:08:56):
Be but he could make it go away for a
gift card, right.
Speaker 8 (01:09:01):
No, uh uh?
Speaker 14 (01:09:02):
He said, no, I have to come in, and he
gave me the address of the of the City and
County Building, four ninety West Colfax And then he said,
I need to come in and if they I can
prove that it's not it wasn't my signature, then you
know they rescheduled me for another jurry.
Speaker 2 (01:09:20):
Now.
Speaker 6 (01:09:21):
So he was wait a minute, I'm confused.
Speaker 2 (01:09:23):
He wasn't trying to get money from you.
Speaker 14 (01:09:27):
No, this is At first he wasn't. And then he said, well,
when you come in, you're gonna have to the judge
wants you to. You need to have a bond because
you didn't show up.
Speaker 2 (01:09:38):
But get to the point, how did he want you
to pay him?
Speaker 14 (01:09:43):
He wanted me to. He told me that the bond
is going to be sixteen thousand dollars.
Speaker 2 (01:09:48):
I said, I'm not how did he want you to
pay him?
Speaker 14 (01:09:52):
He told me that I need to go to a Kiosk,
show my ID and.
Speaker 6 (01:09:58):
Hold on, hold on, put the money.
Speaker 2 (01:10:00):
All right, hold on. I want to hear the ending
of this. That's the part we should have led with.
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(01:10:21):
dozens of insurance companies find out now three oh three
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dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.
Speaker 4 (01:10:40):
Ripped of news you need so you don't have to
run anxious as can. Shooter's gonna help?
Speaker 5 (01:10:53):
Come MANX is the Troubleshooter Show.
Speaker 2 (01:10:57):
No Tom Martinez, Hey Tom Marchino here, Welcome to the show.
What is going on in your life? I'm at Cosa studio,
Mark back at the ranch with his guests, and we
have Mark Nick Gravina. Tell me about Nicky, Well, I'll
tell you.
Speaker 6 (01:11:17):
A lot about Nick.
Speaker 5 (01:11:18):
The guy knows more about windows and siding and doors.
In fact, they actually did. I don't know if I
ever told you this. They came out and did a
beautiful new sliding door for us in our kitchen leading out.
Speaker 6 (01:11:28):
I saw the door, Yeah, I saw that door.
Speaker 8 (01:11:33):
Man.
Speaker 5 (01:11:33):
I'm going to tell you something they did. And Nick,
be honest, was this just because you like me? But
our dog ran into our screen door? Actually it wasn't
even our dog. Suzanne basically brought home a stray dog okay, Tom,
no kidding, put it in our backyard while we were
going to listen on Facebook, and the dog ran into
(01:11:56):
our screen door and just put a little tear into
the screen door. And it was damn well, almost brand new,
like a month old. They came out and repaired the screen.
That guy was really cool too. He just came out
and on the spot replaced the whole thing. Is that
part of the normal warranty or how does that work?
I have no idea, I mean not really.
Speaker 1 (01:12:15):
I mean I kind of judge things like if people
are nice about stuff like, hey, this is what happened. Hey,
that's I appreciate that. If you want to call and
yell at me and claim some wild stuff, then you know.
Speaker 2 (01:12:26):
That screen just ripped.
Speaker 1 (01:12:28):
Yeah it just happened, you know. I mean, so that's
how I judge a lot of stuff. When people are nice,
I'll do a lot of stuff for him. Yeah that's cool,
a lot of a lot of extra stuff. That's the
way a lot of business operates. They just want to
be treated well.
Speaker 2 (01:12:42):
And anyway, I used to put out what I called
a customer behavioral guide. This was years ago, on how
to complain the proper way. Sometimes people complain about so
much that the business person doesn't know what they're coming
about specifically and what the real problem is. And it's
(01:13:05):
very important not to come out with the big guns
right off the bat, just you know, if this doesn't
get taken care of, them calling my attorney. I mean,
we've had people who approach initially problems like that.
Speaker 6 (01:13:17):
It just doesn't work. Oh yeah, and this one.
Speaker 2 (01:13:21):
And a lot of times people don't know how to
tell a story. I swear to god. I mean, they
just don't know how to tell a story.
Speaker 1 (01:13:28):
I think people are programmed to yell and scream to
get their way from the get go anymore. And that's
the thing is is I try to tell people, hey,
calm down, just tell me what's going on. You know,
I know you're upset, but this is just windows and
sometimes right, and we're going to help you. But if
you're gonna drop bombs on me and curse words and
call everybody's stuff, it's not gonna help anybody.
Speaker 5 (01:13:48):
In my retail days are my good year days. A
frustrating point would be when someone's upset and let's say
one of your guys did screw up whatever it is,
but then they don't tell you what they want. They're
breaking and you acknowledge that, yeah, we screwed up whatever
it is, but they don't say what they want, and
(01:14:09):
it's just like, well, give me a give me something.
Speaker 6 (01:14:12):
Here, help me, help me, help you. What do you want?
Speaker 2 (01:14:17):
Yeah? And sometimes, of course businesses have to have the
skill to drill down to what someone wants or maybe
diffuse the situation. But they're there, you know, because there
are very few customers that are impossible, and the impossible
ones I've always contended you can almost tell that at
(01:14:38):
the very beginning. And I think with a business, as
important as closing leads is, there should also be red
flags where you literally turn down business from some. There
are certain well, yeah, in a certain way, he'll he'll
evaluate whether he can please some if he doesn't think
(01:15:01):
he can please someone and they're crazy from the get go.
He might say, you know, we're too busy or we're
not going to be able to do this job. Nick,
do you ever find yourself ever turning down a job.
Speaker 1 (01:15:13):
Well, yeah, we talk about it in our meetings. Sometimes,
you know, sometimes it's just not a good fit. I
mean we can just tell sometimes, like you said, there's
a red flag. Some people just you know, have expectations,
or there's just certain things you feel. Sometimes it's a
gut feeling like this is not going to go well.
Speaker 6 (01:15:30):
Jay told me one time. He's a roofer Excel roofing.
He goes.
Speaker 5 (01:15:34):
We went out to do an estimate and his sales
guy called him, and the homeowner's first question or first
statement was, Hey, I had this roof done ten years
ago by another company, and after they were done, I
found a nail in my grass. Now that's impossible not
to do so and Jay basically just said, you know,
(01:15:56):
let's just not work with him. It was a big hailstorm,
so they had plenty of work. But I get it, man,
I mean there's that little thing right there.
Speaker 6 (01:16:03):
Well.
Speaker 1 (01:16:03):
I tell people all the time too, you know, if
you have another company coming in and say, hey, you're
not going to have a little bit of touch up
pain or a little bit of dust somewhere, then you're
not talking to the right guy because we're cutting holes
in your house.
Speaker 12 (01:16:14):
Yeah.
Speaker 1 (01:16:14):
Yeah, it's going to happen. Dust will settle. We try
not to have those issues, but I'm not going to
over promise that everything's going to be perfect perfect when
we're done and you don't have to lift a finger.
Speaker 6 (01:16:24):
Yeah, which would be impossible.
Speaker 1 (01:16:26):
Yeah.
Speaker 2 (01:16:27):
By the way, Gravina Windows dot com or three oh
three Gravinas. Let's let's three oh three Gravinas their number
when when Nick is.
Speaker 6 (01:16:36):
In here, I want to go back to this.
Speaker 2 (01:16:38):
Kevin got a message that Denver was looking for him,
and he called the number his mom had and the guy,
uh sounded official but basically threatened.
Speaker 6 (01:16:49):
Him with a rest.
Speaker 2 (01:16:51):
And but but I've always said, fraud means nothing, uh
unless they want money, and normally they or inform they're
either fishing for information or they want money. So Kevin,
let's get right to it. I mean, what ultimately did
this guy want?
Speaker 14 (01:17:10):
Yeah, so he said that there's going to be a
sixteen thousand dollars bail and I said, that's ridiculous. I
never got anything. If I was supposed to be out
of grand jury, i'd be there. And he said, well,
we believe you, and we're looking at and you don't
have a record, so that as long as you come in.
And I'm like, I'm I'm not paying sixteen thousand dollars
(01:17:31):
and they're like, well, he said okay, let me wait,
and then he came back on the phone. He's like, Okay,
the judges agreed to reduce it to four thousand. And
I'm like, that's ridiculous. So I just write a check
for four thousand, and he said, no, you have to
deposit it into this account. You have to go into
one of the kiosks, deposit it, and then bring that
split in and then when you sign and if it's
(01:17:54):
not if your signature doesn't match the one, then we'll
give you your back. If it does match, then we're
gonna have to hold back.
Speaker 5 (01:18:02):
I can't believe people actually would fall for what you're describing.
Speaker 6 (01:18:06):
It's so crazy. Oh, Mark, it is amazing.
Speaker 2 (01:18:10):
So hold on. So what I mean, what did you
end up.
Speaker 14 (01:18:13):
Doing seriously that I almost fell for it?
Speaker 2 (01:18:16):
Well, were you going to put the five thousand dollars
in the kiosk. Yeah.
Speaker 14 (01:18:22):
Well, then then I thought about it. I'm like, wait,
what's the judge's name? And then he told me the
judge's name, and I looked up real quick and this
is a judge out of Arizona. And then I said,
you're you're full of crap. And then I just hung
up the phone. But I mean, I.
Speaker 8 (01:18:34):
Almost fell for it.
Speaker 2 (01:18:35):
Do you think if he said at it? Why, I mean,
why wouldn't he say come down to the courthouse to
pay the money. I didn't understand. I don't understand this
kiosk mark. Do you remember they used the kiosk once
before on the show?
Speaker 5 (01:18:46):
We heard about it? Well, the eight where them are
the ones that are crazy? Those damn bitcoin ATMs people
are getting ripped off by those left and right. But
I'm curious because he said he almost fell for it.
Do you think if it was six hundred dollars compared
to four thousand, you would have done it?
Speaker 14 (01:19:07):
No, I don't think I would have done it because
I going to the kiosk. I would have questioned it.
But he kept me on the phone and he said, hey,
you need to come down to the courthouse. Now and
so then that's when I was like, okay, maybe just
like he's and if you call the number, the numbers
active and let's call it. It sounds like it's Denver
City and County. Yeah, let me give you it.
Speaker 6 (01:19:28):
Hold on, you know what, who's hold on? Who's on
the board?
Speaker 2 (01:19:35):
Dragon? Okay, your Dragon's not gonna let us call even
though it's a fraud and the guy will never complain
to the FAA ever in a million at the FCC
ever in a million years. I've called fraudsters for fifty
years on the air, but apparently we can't do it
with Dragon's.
Speaker 6 (01:19:53):
On there on the board. No, it's dragging, it's Dragon.
Speaker 1 (01:19:58):
Here's what I don't understand.
Speaker 2 (01:19:59):
I loved you.
Speaker 1 (01:20:00):
Is this guy gonna love.
Speaker 2 (01:20:01):
And it's his ass? It's Dragon's ass, So I don't
blame him for holding the tightrope. There go ahead, Dragon, Sorry,
I appreciate that.
Speaker 1 (01:20:10):
How is this guy gonna get money? If he's going
to a Kioska? What's the guy on the phone's ultimate end?
Speaker 5 (01:20:17):
He deposits it basically into an ATM, a Kiosk, into
whatever account he gets in a certain account.
Speaker 1 (01:20:24):
The dray guy has his own account in a kiosk somewhere.
Speaker 5 (01:20:28):
Where people going and just put and it's probably a
bitcoin atm Okay.
Speaker 2 (01:20:31):
No, no, no, let me let me explain this to Dragon.
Dragon right now. You can make deposits into other people's accounts.
The kiosk is only a retainer for the money, but
the account is electronically credited.
Speaker 6 (01:20:45):
That's how they do it.
Speaker 2 (01:20:49):
So you can deposit into someone's account using certain kiosks
if the banks allow it. It's it's really crazy. And
in fact, they have bitcoins now you can do.
Speaker 6 (01:21:00):
Those are the worst by far.
Speaker 5 (01:21:02):
We had that one poor old guy at the liquor
store twenty five thousand dollars.
Speaker 2 (01:21:06):
Yes, you can walk up to the heed her twenty
five brand into it. Think about that dragon, he put
twenty five grand in there. Well he thought he was
buying bitcoin.
Speaker 1 (01:21:21):
That's insane.
Speaker 2 (01:21:21):
It's crazy, all right now. So this guy almost fell
for putting four grand into this. Well, thank god he didn't. Okay,
so I want to call that mark. Why don't you
just call it right there in the studio. We can
hear your end of that. I say, I will call it. Yeah,
(01:21:44):
you call it on your end, and let's just hear
your end of the conversation, we can figure out what
they're saying.
Speaker 5 (01:21:49):
The best one I have ever heard. Tom, You'll remember this.
The guy was going to get his power turned off
by Excel if he didn't pay a certain amount.
Speaker 6 (01:21:59):
So he gets that message. You call up the number.
Speaker 5 (01:22:03):
They literally took the entire Excel phone tree and copied it.
It was one hundred percent phony baloney, but they spent
all the time to go on there, just like you
were calling Excel.
Speaker 6 (01:22:16):
It was unbelievable.
Speaker 2 (01:22:19):
And at first when we called we thought, wait a minute,
this might be real. We were like, oh my god,
this is Excel.
Speaker 6 (01:22:28):
Hold on, it said dial this or dial that.
Speaker 2 (01:22:30):
Yeah, okay, we got 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 you're content.
Time for an insurance check up free, no obligation. In comparison,
(01:22:52):
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 I 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. I'm
(01:23:13):
Tom Martino, your troubleshooter Mark Major. Back at the studio
with Nick. We have a text for Nick on windows,
and Nick, they want to know does the triple pain
make that much difference over a good double pain window.
It can.
Speaker 1 (01:23:34):
There's a lot of makeups so you can do in
each glass. So I mean, yes, you can get a
great double pain, but you can also get a really
good triple pain. We actually just got a vacuum glass
in which I'm very very excited about. Why can you
explain what that is? Vacuum glass? It's it is amazing.
It's it's the ig itself has like almost zero space
(01:23:55):
between the glass I'm going to say, like the thickness
of a paper, and it's got these little pillars in it,
but they suck all the dead air out of it,
and so the U values of these are just you know,
it's like space.
Speaker 6 (01:24:09):
There's there's insulated wall.
Speaker 2 (01:24:11):
It's so the insulated glass unit is actually a vacuum inside.
Speaker 1 (01:24:16):
Yeah, so there's a port, there's a hole that you'll see,
you know, at the top. But it's it's crazy. It's thin.
The overall thing is totally like three eighths and again
there's you can barely tell there's a space between it,
but they suck all the air out. They still put lowly,
but the the u values of these are just absolutely
incredible that using it in Europe right.
Speaker 2 (01:24:36):
Now, it's better than most double or triple pains.
Speaker 1 (01:24:38):
And it is a double pain, but it's it's got
numbers better than triple pain. I mean, it's got better
numbers than anything right now. I mean, it is absolutely crazy.
Speaker 2 (01:24:46):
And is it all because of the vacuum Yep, that's crazy.
How do those seals hold up for vacuums?
Speaker 1 (01:24:53):
Well suppose, well, again it's it's newer, but supposedly, well.
Speaker 6 (01:24:57):
Can you reaccess that port or no one it's done?
Speaker 1 (01:25:00):
You probably can't. So they have these pillars in there
because they have to be able to support it, otherwise
they would touch. So they have these little stints in there.
Speaker 6 (01:25:08):
That's weird.
Speaker 1 (01:25:09):
You can barely see them right so about every like
two three inches. But you can see through it fine, yep, yep,
I mean once you see it, you'll see it, yeah,
but not really. But if it fails all those go
and they drop. God that sounds and oh cool. And
it's always tempered glass on top of it all, which
is really cool. So you're kind of getting tempered, you know,
glass for free on top of it all.
Speaker 5 (01:25:28):
Tom, you know what I like about these guys better
than most window companies.
Speaker 2 (01:25:33):
Yes, they got it's crazy. What is it?
Speaker 5 (01:25:36):
Twenty thirty manufacturers, fifty sixty lines of windows. Usually when
you call up one of those people on TV, it's
one they have one windows, absolutely.
Speaker 1 (01:25:45):
Absolutely, But yes, triple pain can be done very well.
It just I try to see what the makeup of
the house is. What are they really trying to accomplish.
Is it keeping the heat and the cool in, keeping
the heat and the cold out? You know, how's the landscape?
I mean I take a lot of that stuff in
consideration and not just yes it's better, Yes it's better,
you know, on the number wise, but sometimes a double
(01:26:07):
pain can be just fine too. It just you know,
there's a lot of makeups of that.
Speaker 6 (01:26:11):
Oh that's cool, man, I'm telling you.
Speaker 2 (01:26:13):
I love when people know their products and they are
always getting new products in like this vacuum seal.
Speaker 6 (01:26:20):
I was just reading about it.
Speaker 2 (01:26:22):
Apparently vacuum even works better at the high altitudes too.
Speaker 1 (01:26:26):
Yeah, because in the sealed you don't have to there's
no pressure because it's it's reversed exactly, you know, like
a magnetically expands. This is sucked in against those pillars.
So you take it up to the hills, it isn't
going anywhere.
Speaker 2 (01:26:39):
Yep. Okay, So let's mark, did you call that number
for the grand jury?
Speaker 14 (01:26:45):
Yeah?
Speaker 6 (01:26:45):
It was no good Kelly, did you try it to disconnected?
Speaker 2 (01:26:48):
I did.
Speaker 6 (01:26:49):
Yeah, it's gone, it's over.
Speaker 2 (01:26:51):
Yeah, they were just hoping to get so well, just Kevin,
it's a good thing you didn't fall for it. Thank
you for warning us. Walter, what's going on with you?
Speaker 6 (01:27:00):
Walter? What's happening?
Speaker 2 (01:27:04):
Man? Walter? Walter's listening to a delay and we're going
to have a problem getting him on I think let's
is he on there? Let's try it again, Walter Walter
Walter calling all Yeah, well.
Speaker 5 (01:27:27):
Yeah, he's he's listening into like the longest delay ever.
Speaker 6 (01:27:30):
That might probably it could.
Speaker 2 (01:27:32):
Be it could, honest the goodness, Okay, so let's just
put him on hold and then try to talk to him. Kelly,
if you can get his attention and we will talk
to him three oh three seven one, three eight two
five five. Let me go some text messages here on
French stores.
Speaker 6 (01:27:53):
Do they seal better than sliders?
Speaker 2 (01:27:55):
And can you replace a French door where there was
a slider?
Speaker 1 (01:28:01):
So number one, I would say that a sliding door
is going to seal better than a French door.
Speaker 6 (01:28:06):
Really yep?
Speaker 1 (01:28:07):
Really, huh knowlan they slide next to each other. Where
a sliding door like in marks, you know, they pocket
you know, so they're more secure. French doors, to me,
are actually one of the worst security doors out there.
Speaker 2 (01:28:21):
You know, when the by French doors, I thought they
meant doors that swing open like regular doors. They swing open,
but they Yeah, but they have a center strip.
Speaker 1 (01:28:29):
Right, Yeah, there's an astrakle, but you can push on those.
Speaker 6 (01:28:33):
Really, dog can open the one going into.
Speaker 1 (01:28:35):
Our bedroom, right, But you know, the sliding doors seal
way better than the French doors do.
Speaker 5 (01:28:40):
Here's the other thing too, I would think about when
you came out one of the you showed us different
kinds of sliding doors, and what I never thought of before, Tom,
some has a big viewing area. In other words, the
molding around the glass is nowhere as big as some
of the other models.
Speaker 2 (01:28:58):
So depending on what kind of view you have out back.
Speaker 5 (01:29:01):
I mean, if you're looking at a six foot fence,
who could care less. But if you've got a beautiful
view of trees or a barn or whatever you're looking at,
you probably want the most glass. You know what I'm saying.
In a front door, it's gonna really suck, right. French
doors usually have a bigger rail, they have French rail.
Sliding doors we have you know, thin rail modern doors,
so max glass, maximal viewing, yep. But yes, we can
(01:29:24):
convert any French door to a sliding door, and we
convert sliding doors to French doors either way. But yes,
I do think that sliding doors absolutely are more efficient
and more secure. Quick is there entry doors like our
entry door that are all glass? Have you guys ever
seen a glass entry door not just opens one direction
(01:29:44):
like a normal front door, but made out of glass,
almost like you might see in a strip mall or something.
Speaker 1 (01:29:50):
Not really, I mean they're starting to come out with
thinner rail ones now too. You're gonna have some type
of frame just because it's a residential versus commercial, got it.
But even on commercial, well, there's usually some type of
small aluminum frame. People don't want aluminum frames usually in
you know, your main residence.
Speaker 2 (01:30:08):
Hey, let's talk to oh, let's see this one text
can you put in? Let me do this first before
we go to the phone. Can you They want to
know if you can put in an auto opener for handicapped,
like have you ever done that.
Speaker 1 (01:30:24):
For a door or window?
Speaker 2 (01:30:26):
Or they a door where they press that with their hand,
they press that, you know, that square and it opens
the door.
Speaker 1 (01:30:34):
Now, we have certain windows and doors that do have
automations to them. They're usually more of like a remote thing,
not kind of like you see going into you know,
King Soupers or seven to eleven. But yes, we do
have some products that do have automation features that do
have to be hooked up to electrical But yes, we
do have similar stuff.
Speaker 2 (01:30:56):
Okay, and if and if that won't help you, text
or they're also some there's some stores that do actual
mobility and accessories and and you know for disabled people.
So you may have to do a combination. Sometimes you
may want to buy a door somewhere but have it
automated somewhere else. But you can check with Nick. He's
(01:31:17):
a wealth of information at h and it's and it's
your number really spells gravina, right, three h three gravinas.
Speaker 1 (01:31:25):
Yeah, call and text at three or three gravina.
Speaker 2 (01:31:28):
It's pretty that's pretty cool, three oh three Gravina. Okay,
So is Walter back? Okay, Walter, go ahead. You had
a question about LifeLock. God, yes, sir, Yeah, I'm here,
Yes sir. What's your question? Walter?
Speaker 17 (01:31:43):
Well, I've seen his ads on TV about LifeLock and homelock,
and yes, are these cameras getting away with all this stuff?
Speaker 6 (01:31:51):
Okay?
Speaker 2 (01:31:51):
First of all, no one steals your house, Okay, they
what they do is they? It is true. It is
absolutely true that someone can forge a quit claim deed
to your house that shows you sending your house to
someone else.
Speaker 6 (01:32:10):
However, if you have a.
Speaker 2 (01:32:12):
Mortgage in your name and you are in the house,
a quit claim deed simply says the house now belongs
to someone else. But it's not proof of ownership. It's
not pure ownership. They cannot do a general warranty deed.
They cannot do alone. All they're doing are quit claim deeds. Now,
(01:32:36):
LifeLock or homelock would have you believe that there are
people out there everyday stealing houses and they're not okay.
There are people who get taken advantage of sometimes that
are older that might sign their home over to somebody.
Speaker 6 (01:32:53):
We've had that happen.
Speaker 2 (01:32:54):
But as far as going to the courthouse and filing
a quit claim deed, there absolutely right people can do it,
but the chances of them actually getting your house are
nil because they have to have certain proof and evidence
in addition to the quit claim deed. They can't just
(01:33:14):
file a quit claim deed and say you gave your
house to them. And also more and one other thing
they say is they'll notify you whenever something is filed
against your house. Well, that's a that's not a bad service.
Speaker 6 (01:33:33):
That's what you can get that. Yeah, that's that, You're right, Mark.
That's all they do.
Speaker 2 (01:33:39):
They let you know when something's been filed against your house.
But did you know that many counties are offering that
now free of charge. All you have to do is
give them an email addresser or an address and any
time something is filed against you, they will let you know.
You know what, so many counties are starting to do
that free.
Speaker 5 (01:34:00):
What's curious is I literally just typed in grac has
LifeLock ever saved.
Speaker 6 (01:34:06):
Someone from losing their house?
Speaker 2 (01:34:08):
You know what.
Speaker 5 (01:34:09):
It came back and said, no, LifeLock has never saved
a home from being taken because it's just a monitoring service.
It can't prevent a title fraud from a curry.
Speaker 2 (01:34:22):
See. That's what I've But what they make it sound
like someone's gonna knock at your door and say leave,
we've stolen your house. And it just look at in
my opinion, I wouldn't buy the service. Okay, I just
wouldn't do it. There's no reason to What was your
other No one's gonna take it was about LifeLock. That's
(01:34:46):
about your your name and all of that. Look, a
credit freeze will protect your identity from being used in
fraud credit freezes. I mean, I don't know what to
tell you these service say is I'm not telling you
they don't do anything, but you don't need them with
just normal monitoring and normal common sense.
Speaker 6 (01:35:08):
We have more coming up.
Speaker 2 (01:35:14):
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 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
(01:35:36):
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 three O three seven one three eight two
five five. Jay has a follow up with Excel atn't.
(01:35:58):
I'm not sure what this is working with Opera? Are
you there, Chopper? Yes, sir, I am What's going on
with Jay?
Speaker 6 (01:36:04):
When did this call come in?
Speaker 20 (01:36:06):
It came in about ten days ago? He had two
houses and he was getting bills.
Speaker 2 (01:36:14):
Oh, I remember he transferred his a count, He transferred
his account from his ex wife to his name, and
then sold the house. He moved into another one, and
he was paying on two houses.
Speaker 6 (01:36:26):
That's correct.
Speaker 20 (01:36:26):
Everything looked like a big bull of spaghetti to me.
Speaker 6 (01:36:30):
So I reached out.
Speaker 20 (01:36:31):
To Sue, who gave me a name or she took
care of it through an angel, and I think Jacin
talked with the rest.
Speaker 2 (01:36:38):
So Jay, what's going on? You were paying on the
old house by mistake and Excel says, oh, seven hundred bucks.
Speaker 6 (01:36:45):
Now, what's going on?
Speaker 2 (01:36:47):
Jay?
Speaker 20 (01:36:47):
I guess dropped off, but everything got taken care of.
He's happy, everything's paid up, and he's away from his
ex wife again.
Speaker 2 (01:36:55):
On the bills. Time for the dinger. Yes, Sue deserves
half that diinger.
Speaker 6 (01:37:03):
Okay, half the dinger there I did. Hey, that was good.
Speaker 2 (01:37:07):
Half the dinger listen, yeah, okay, so and then half
to you.
Speaker 6 (01:37:14):
All right anyway?
Speaker 2 (01:37:15):
Three oh three?
Speaker 6 (01:37:16):
I love playing with my dinger. What can I tell you?
Speaker 2 (01:37:18):
Three o three seven one three eight two five five?
Speaker 1 (01:37:22):
Uh?
Speaker 6 (01:37:22):
Jay's uh that is he back?
Speaker 2 (01:37:26):
Jay? Are you there?
Speaker 12 (01:37:28):
I am?
Speaker 2 (01:37:29):
What happened? What finally happened? Bro?
Speaker 21 (01:37:33):
Well, you know I was dealing with a gentleman by
her name is John.
Speaker 14 (01:37:38):
Krantz with excel. Yeah, and uh he.
Speaker 21 (01:37:44):
Fixed everything it would seem and said, okay, it's okay
to uh go ahead and then uh move the money
and everything everything it looks good. It's it's taken care of.
And so uh I did that, and that's where we
discovered a big part of the problem, which was on me. Basically,
(01:38:08):
what happened was is that my wife had our ex
wife had her account under one email.
Speaker 2 (01:38:18):
I had mine.
Speaker 21 (01:38:20):
Under another, which normally would be appropriate. But when I
went to move the money, you know, I have an
automatic log.
Speaker 8 (01:38:30):
In with my computer and just logged right in.
Speaker 13 (01:38:33):
On that and it.
Speaker 11 (01:38:35):
Took me to her account.
Speaker 21 (01:38:37):
So this whole thing was a confusion of the accounts
and that once we realized that, then it was an
easy fix. The only problem was is that we had
to go through that and I had to put in
her email address right accidentally. Yeah, and then the money wait,
(01:39:00):
you know, it showed a nine dollars credit again on
her account.
Speaker 2 (01:39:05):
And it was so you got you got transferred, you
got transferred over the money to your account as it
should have been the credit. Yes, okay, well that's cool.
Thank you very much, Jay for letting us know that
a lot of people don't let us know that things
are done.
Speaker 6 (01:39:23):
And uh, we appreciate it.
Speaker 2 (01:39:24):
Three zero three seven one three talk seven one three
eight two five five. I like that.
Speaker 6 (01:39:33):
Thank you, Thank you. Do you have to take that
away from the involvement.
Speaker 2 (01:39:38):
I know I got too much going on here anyway,
As long as I have my dinger, I'm happy, That's
what I say. Okay, so we have something about special
shaped I believe.
Speaker 6 (01:39:54):
I'll have what she's having.
Speaker 2 (01:39:55):
Okay, anyway, the special shaped fixed light of fixed window
an octagon? Do you do special custom shapes that you
can have done? Oh?
Speaker 1 (01:40:07):
Yeah, anything you want really pretty much? Yeah, okay, octagons
are easy we do. We do ventilating octagons if you want.
What is ventilating octagon? So if you take a stop sign,
but you know it'll crank out like an awning window
where the bottom would crank out if you really want
to cool.
Speaker 2 (01:40:26):
Yeah, that's really cool because you know, I've seen those
octagon or those architectural fixed lights. They are different shapes.
Some of them are a big half moon lane laying
on the side, you know, and or they look like
a crescent. Others are octagons. What's the weirdo shape you've
you've done? Oh?
Speaker 1 (01:40:47):
You know, like the cathedral style where it's like at
the point at the top and then it kind of
occurs as multiple radii going down.
Speaker 5 (01:40:53):
Oh really, yeah, we call them cathedrals. How about shower doors?
Do you guys do those?
Speaker 1 (01:40:58):
No, we don't do anything on the interior. Nothing. Everything
is exterior, got it?
Speaker 2 (01:41:04):
Okay? And those fixed lights, they can come in double
or triple the same as regular ones, right.
Speaker 1 (01:41:10):
A little bit more parameters for a triple on that.
So I mean if you have a big, you know,
half circle, that may not be made in triple depending
on the.
Speaker 6 (01:41:19):
Size, but you should be able to get double.
Speaker 1 (01:41:21):
Yeah, and we've made some really big you know, eyebrows,
you know, half rounds, octagons, trapezoids, pentagons, name it upside down, trapezoids,
whatever you want.
Speaker 2 (01:41:33):
Okay, we got more coming up on the Troubleshooter Show
three oh three, seven to one three talk. Dan McKenzie
can do wills, trusts. He can keep you out of
probate or if you're facing probate, need help, McKenzie Law
is there to help you. It's a smaller firm, direct
personal attention. You can reach them at eight three to
three co plans. We've had rave reviews of people who've
(01:41:57):
gone to them. They make it simple, they make it smart,
they make it easy. Eight three three co plans. 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
(01:42:18):
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 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 6 (01:42:41):
All right, let's go to COSAK.
Speaker 2 (01:42:44):
I believe it's Cosak and has a question on car insurance.
Speaker 6 (01:42:47):
Hello, Cosak, what's happening?
Speaker 9 (01:42:50):
Yeah, my grandson bought a car down here in the
Springs and I think they pushed on him the uh
gap insurance and right reinsurance. What's your thoughts on that?
Speaker 2 (01:43:04):
My thoughts are, well, what do you mean recovery insurance?
Speaker 6 (01:43:08):
What does that mean?
Speaker 9 (01:43:11):
From what I understand is like if the car got stolen,
they help recover it.
Speaker 2 (01:43:17):
Now, that's a bunch of craft. That's a bunch of craft.
First of all, cancel it. And if you want to
get GAP insurance, you can always do better going through
your regular insurance agent.
Speaker 6 (01:43:29):
It's almost never it almost.
Speaker 2 (01:43:32):
Never pays to buy it from the people who sell
it at the dealership. Do not buy GAP insurance there.
Just ask your regular insurance carrier you want to add
GAP to your regular policy. It'll be much cheaper and
more comprehensive.
Speaker 9 (01:43:50):
Okay, And what's your thoughts on the recovery is that
cancel it is that.
Speaker 2 (01:43:58):
You don't need it. I don't even know what recovery
insurance is. I mean you have insurance for theft. When
you're insured. It's just an added profit center for the dealer.
If you'd like to hang on, we'll talk more about
it and I'll get my insurance expert on as far
as recovery insurance. But it's really just a marketing ploy
(01:44:18):
by dealers to sell more stuff to you. I'm Tom Martine.
We have more coming up on the Troubleshooter shows. Stick
around for an hour of fun and entertainment as well.
Go with a sure thing Denver's Best Roofer Excelroofing dot com.
You don't pay a cent until you're content. Time for
(01:44:39):
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. Y'all ripped up.
Speaker 1 (01:45:09):
So you don't have.
Speaker 12 (01:45:12):
Come running.
Speaker 2 (01:45:13):
Just as fast as we can.
Speaker 4 (01:45:15):
Shooter's gonna help come.
Speaker 2 (01:45:19):
Dick. Is the Troubleshooter Show Now, Tom Martine, Hey, I'm
Tom Martino.
Speaker 6 (01:45:25):
Welcome to the show.
Speaker 2 (01:45:26):
Three oh three seven one three talk seven one three
eight two five five. I'm at Casa Studio Cassa Mi,
Casa Studio Major, Mark Major, at the mothership. Mark.
Speaker 6 (01:45:39):
What's happening? What do you got? What's happening?
Speaker 5 (01:45:42):
Well, I'll tell you what we got. We got to
figure out what this insurances at. This guy bought what
did he call it? Again, I'm gonna.
Speaker 2 (01:45:50):
He called it? He called it recovery insurance. Now here's
what I know that the dealers do sell you, Okay,
when you go into f ANDI, which should be called
bend over in never mind anyway, So the FNI department
financing as insurance. Their idea is to drum up profits.
(01:46:11):
They sell you all kinds of stuff. Now here are
some of the things I've seen in the past. They
etch the wind shield and they claim that's going to
help you with theft. Recovery and all of that. Why
people care, I don't know you have insurance for that?
Speaker 6 (01:46:26):
But they etch the wind shield.
Speaker 2 (01:46:28):
And then another one says, then they have something called.
Speaker 6 (01:46:33):
This recovery insurance.
Speaker 2 (01:46:35):
And I asked, basically AI, what recovery insurance is, and
they say, there are many different kinds of recovery insurance.
That one is recovery if your vehicle breaks down or
you're stranded somewhere, it recovers the car and brings it
back to your dealer or to a repair facility. Another
(01:46:56):
one is theft recovery. They use aps tracking and a
recovery guarantee, meaning that your car will be guaranteed to
be found within a certain amount of time. Who cares?
You have insurance? And then they have gap insurance. Of
course they sell. Gap insurance is one of the worst
(01:47:19):
deals you can buy at a car dealer if you're
buying insurance anyway. And people and Credit Life is another
stupid stupid coverage. Credit Life It's stupid, Okay, it's a
diminishing insurance policy on the balance of the loan, so
as the loan goes down, the insurance goes down. But
you pay the same for this insurance, and it supposedly
(01:47:39):
makes payments when you're incapacitated. It's bad. Instead of buying
gap insurance, you should put that money away for your
gap are not gap insurance.
Speaker 6 (01:47:49):
Credit Life you should.
Speaker 2 (01:47:50):
Put the premium away instead of paying for Credit Life
at a dealer and have it for when you have
to miss a payment or two. But the point is
insurances are always better purchased at insurance brokers, not at dealers.
Car dealers will never ever ever have a good a
good deal on insurance no matter what it is, whether
(01:48:12):
it's for car, whether it's for theft, whether it's for recovery,
whether it's.
Speaker 6 (01:48:16):
For a gap. Always buy it at.
Speaker 2 (01:48:20):
The insurance broker. You'll get a better deal. The same
with the same with windshield protection. Windshield protection they sell you, you
know as an insurance. You know you get guaranteed windshield
replacements or this or that or no deductibles. You can
do that, by the way, with regular insurance you can
(01:48:43):
do a ten dollars deductible or zero deductible on glass.
You'll always find better insurance at an insurance broker. So
we got Riley on who's Brian Burns' son? Riley? How
are you at Compass Insurance? Are you there, sir? Hey? Tom?
How's it going? Can you hear me?
Speaker 3 (01:48:59):
All right?
Speaker 2 (01:49:00):
Yes? I can, Riley, righty. What I want to know
is have you ever heard of something dealers are starting
to offer called recovery insurance?
Speaker 8 (01:49:10):
Recovery insurance?
Speaker 2 (01:49:11):
You know?
Speaker 22 (01:49:11):
It sounds like one of those endorsements that's on an
auto policy that is carrier specific. Now they generally have
a bunch of different names for the same coverage. So
we need to look at the policy to see you.
Speaker 2 (01:49:22):
Yeah, because I don't know what it is? A cosak
what did they.
Speaker 6 (01:49:25):
Say it is? Are you there?
Speaker 12 (01:49:31):
Patient on it? As far as yeah, I'm here.
Speaker 2 (01:49:34):
Go ahead, no paperwork.
Speaker 12 (01:49:38):
So that's why I'm calling you to see what you
thought about it, and then I'll try and get my
grandson to go back to the deal and get some
information or canceled if he can, well.
Speaker 2 (01:49:48):
Not if he can. If you buy something, you can
go back and cancel it if it's insurance, I mean,
they're not allowed to charge you for insurance that's non cancelable.
What I want to know is this though, how much
did he hey for this recovery insurance?
Speaker 12 (01:50:03):
I think was about six hundred dollars.
Speaker 2 (01:50:05):
And it's for the life of the car, for the
four years of the loan. Three years of loan? How
long is it four? Then?
Speaker 11 (01:50:13):
I don't know.
Speaker 12 (01:50:14):
I'll have to get some more information and call you
back on that.
Speaker 2 (01:50:17):
So what about did they did they also sell them
Credit Life? No?
Speaker 6 (01:50:25):
Did they sell them windshield etching?
Speaker 2 (01:50:27):
You know, I'll bet you if I looked at that deal,
I'll find it packed with all kinds of garbage.
Speaker 6 (01:50:33):
You ought to send us a copy of the deal.
Speaker 2 (01:50:35):
Do you know? One time I knew a kid who
went in and bought a vehicle and made a good
deal on a vehicle for fifty grand, and he ended
up spending another twelve thousand dollars with dealer add ons
in the f ANDI department. Twelve thousand dollars with credit
Life and and all kinds of insurance and win sh
(01:51:00):
shield etching and windshield coverage. Now nitrogen, what's that mark?
Speaker 5 (01:51:06):
Nitrogen entires, fabric protection, tire protection, every bit of mop
and glow you can imagine.
Speaker 6 (01:51:13):
They say, say, you know what, here's what I'm saying.
Speaker 2 (01:51:16):
If you want any add ons, never add them on
at the dealer. You're going to pay out the nose,
and it's not worth it. Buy the car and leave
with the car. You don't buy insurance from a car dealer.
You just don't do it. They are not competitive, but
when they have you there, they know you're not going
(01:51:37):
to shop around because you're sitting there. For example, Riley,
how much more would it cost you to get windshield
coverage at let's say a zero deductible or a ten
dollars deductible gosh, or even reduction.
Speaker 22 (01:51:52):
I would say that the biggest difference is that your
car has sensors in the windshield. A lot of new
cars have those automatic grains or heads of display.
Speaker 18 (01:52:02):
Whenever you have a car.
Speaker 22 (01:52:03):
That has those sensors, you can see two hundred dollars
If it doesn't, I mean, fifty dollars is not uncommon.
Speaker 6 (01:52:09):
Are you talking about deductibles?
Speaker 22 (01:52:11):
No premium for the year deductibles either?
Speaker 17 (01:52:14):
Oh?
Speaker 2 (01:52:14):
Oh, premium for the year. Okay, I see what you're saying.
Anywhere from fifty to two hundred dollars a year and
you get windshield coverage.
Speaker 6 (01:52:22):
Okay, I understand that.
Speaker 2 (01:52:25):
Now, what about do regular insurance companies sell wheel protection?
Because that's something that is not a terrible idea for
most people, especially me. Do your insurance policies have separate
wheel protection or is that just regular collision coverage?
Speaker 22 (01:52:45):
That would be regular collision depending on what damaged it.
I mean, if it's something where the vehicle's not moving,
that would obviously be comprehensive coverage.
Speaker 6 (01:52:54):
But I'm not.
Speaker 22 (01:52:55):
Familiar with any endorsement that are okay, so boring protection.
Speaker 2 (01:52:59):
So I will say, if you're buying a luxury car, Kosak,
wheel protection is something I can't throw stones at. I'm
telling you, they offered it to me, and I thought
they were joking. Then I've since when I'm at a
parking lot or I'm looking at cars, always look down
at the wheels and they're almost always scuffed or scarred
(01:53:20):
or cracked or whatever from scuffing up against curbs. Maybe
I'm the only one who notices it because I do it.
And wheel protection on my wife's car, We've must have
paid for that protection five times over, I swear to God.
With how many times she gets her wheels repaired and polished,
I think we've paid for that five times over.
Speaker 6 (01:53:43):
Wheel protection.
Speaker 2 (01:53:44):
There's another one I would buy if I liked the dealer,
I would not mind buying pre paid service. What that
means is this, you have services like oil oil changes,
you have like a thirty thousand mile check, or you
have a twenty four thousand mile check or whatever the
service interval. If you buy a prepaid service package, you
(01:54:08):
get it cheaper. And the reason the dealer does it
is to make sure you come back. They like to
have you as a customer. So those are not bad deals.
Usually to buy a prepackaged and prepaid service visit. But
I wouldn't buy anything else from the dealer, like credit
life or recovery insurance or gap insurance for example, Riley
(01:54:33):
gap insurance at a.
Speaker 6 (01:54:34):
Dealer they charge a few hundred bucks a year.
Speaker 2 (01:54:37):
What does gap insurance cost at if you're going to
add it on your regular policy?
Speaker 22 (01:54:44):
About you know, same thing as the windshield. It depends
on the vehicle value, just like everything insurance, but you
could estimate anywhere from fifty bucks to one hundred and
fifty depending on the value.
Speaker 5 (01:54:56):
And Gap insurance guys, I literally had someone at a
wrap a Ohondai, I'll say it, they tried to sell
me gap insurance on a cash deal.
Speaker 6 (01:55:04):
If you can believe that crap.
Speaker 2 (01:55:07):
What the hell Oh my god. I think you're just
so used to it.
Speaker 5 (01:55:12):
You go into aff an eye and they're supposed to
ask every question. I'm looking at the guy like did
you really say that? And then of course he was like, ohh.
Speaker 2 (01:55:19):
Yeah, okay. In any case, thank you Riley from Compass
Insurance Group. Remember Compass does the free insurance checkups where
they check to see that you're not underinsured or maybe overinsured,
you're not paying too much, you're paying the right price.
It's a free check at three zero three nine nine
six nine thousand more coming right up. Go with a
(01:55:45):
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 much your coverage at dozens of insurance
companies find out Now three oh three seven seven one help.
You'll think you're his only customer when you choose Frank
(01:56:08):
durand the Real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Go with a sure Thing Denver's Best
Roofer Excel Roofing dot com. You don't pay a cent
until you're content. Wait time for an insurance checkup free,
no obligation comparison call Compass Insurance paying too much your
(01:56:30):
coverage at dozens of insurance companies find out now three
oh three seven seven 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
(01:56:51):
Tom Martino here at three O three seven one three
talks seven one three A two five five. Let's talk
to Jennifer. I'm not sure what she wants to talk about. Jennifer,
is she up yet? Okay? An issue with an apartment? Hi, Jennifer,
what's going on?
Speaker 12 (01:57:08):
Hi?
Speaker 2 (01:57:09):
Me Tom?
Speaker 13 (01:57:10):
Hey, thank you for taking my call.
Speaker 2 (01:57:13):
What's going on?
Speaker 7 (01:57:15):
Well?
Speaker 13 (01:57:16):
I am a renter with an impeccable history. You have
excellent clinic, and I got into this apartment about eleven
months ago, and there was recent flooding due to an
appliance that I had in the apartment that broke, not
(01:57:38):
by my misuse or anything. The thing all functioned well.
Speaker 2 (01:57:43):
Well, what is it that broke?
Speaker 13 (01:57:46):
It was an appliance that I was attached to my
laundry machine that well, what is it? Okay?
Speaker 2 (01:57:55):
And is this okay? Is this your appliance or was
it supplied by the by the landlord? It's my appliance, Okay,
You're going to be responsible for.
Speaker 13 (01:58:06):
It, yes, So that's what she said. So the first
three days she told me I was going to have
to pay for everything, and she tried to push me
to sign a contractor to do work on the building,
which I told her I wasn't.
Speaker 2 (01:58:27):
Do you have renter's insurance, Jennifer, I don't. Okay, this
is really a bad thing. This could be bad. If
a lot of water flooded and got into the ceiling
of the below apartment, You're going to be responsible for
a lot of stuff here. And this could be serious
because there's no way that you're going to get out
(01:58:48):
of it if you're if an appliance you brought into
the house, and I know what they are, they're the
ozone filters and you had to detached so you could
make ozonated water. But here's the deal. If it flooded,
you're responsible for one of the damages.
Speaker 13 (01:59:06):
Okay, Well you know I'm I'm a grown up, and
I'm I'm willing to take responsibility for what is blind
sure thing that The thing that is a concern for
me is yeah, the way that she's been handling situation
(01:59:27):
and code issues. I've been trying to get a hold
of a cold enforcement officer for the past week and
can't seem to get.
Speaker 2 (01:59:39):
Why is that, Jennifer, What what does this have to
do with you? The code officer, tell me, tell me
what you're thinking.
Speaker 13 (01:59:46):
So they found asbestos, and there's also god, oh god,
she wanted me to handle the whole thing under the table,
and that's why she tried to get me to sign
the contractor.
Speaker 2 (01:59:58):
On what do you mean under what does that mean
under the table? What you handle it under the table?
Speaker 13 (02:00:04):
She wasn't calling the owner's insurance. She told me that
I was okay to hire the contractors to do.
Speaker 2 (02:00:12):
All Jennifer, if they call, if they call insurance, here's
what's gonna happen. I'm gonna I'm gonna give you the
worst case scenario. The insurance company will spare not one penny,
not one penny to fix everything, to get a to
get an asbestos remediation company out there, to get a
mold remediation company out there, and then they will subrogate
(02:00:37):
against you. The insurance will step right in and fix everything,
but then they're gonna come after you. Now, Jennifer, I
want you to sit tight, because the asbestos remediation alone
on a small construction project can run fifty thousand dollars.
I don't know if you realize the extent of damage
(02:01:00):
as you could have walked into right now.
Speaker 13 (02:01:05):
But I don't see how the asbestos and all that
would be my responsibility.
Speaker 2 (02:01:13):
Is because you disturbed it. Because of you, it's being disturbed.
Here's what I mean. Asbestos left alone can be left
alone and there's no requirement for them to do anything
with it. But once it's disturbed, you then have to
remediate it the proper way. You have to mitigate loss.
(02:01:33):
You have to remediate. You got to fix it back
without the asbestos because it was disturbed. And here's the thing,
it was your incident that caused it to be disturbed.
Speaker 6 (02:01:46):
Jennifer. You may need to get an attorney that.
Speaker 13 (02:01:49):
I understand that, but I was it was an accident
like the machine.
Speaker 2 (02:01:53):
Malfunctioned, Jennifer. Jennifer, you need now now, their insurance company
is going to come after you, but they may come
after the maker of that machine as well. But the
fact that it's an accident is why you have insurance.
That's why you should have had Renters insurance. But you're
(02:02:15):
responsible for accidents. That's why we have insurance on our cars,
even if it's an accident. If it's icy outside and
you're driving as carefully as possible, if you cause an accident,
it's your fault. Jennifer, I don't know what you were
hoping to tell us, but this apartment complex, it could
(02:02:36):
actually be worse if they call the insurance company, it
could actually be worse for you.
Speaker 13 (02:02:44):
Right, Okay, well.
Speaker 2 (02:02:49):
Do you have I'm asking you something. I'm going to
ask you something, and I don't mean to frighten you.
If you don't own a lot of stuff and don't
have a lot of money in the bank or anything,
you might want to consider a bankruptcy because this is
going to be a lot of money. How much of
an area was flooded. It was.
Speaker 13 (02:03:14):
My laundry room and some of the carpet in my room.
Everything else is dry. And then it got a couple
of garages, so they tore some drywall down and put
the drywall back up.
Speaker 2 (02:03:28):
Okay, do you know did you ask the contractor or
anyone how much this is going to be?
Speaker 13 (02:03:37):
I just kept telling me it was going to cost
me a lot.
Speaker 2 (02:03:41):
It is. It is going to cost you a lot, Jennifer.
And I don't see if you had a laundry room,
a couple of garages, asbestos and mold. I don't see
you getting out of it for under fifty grand at all.
I mean, I think it's I think it's going to
be more Mark. What do you think, like seventy five
thousand or so?
Speaker 5 (02:04:02):
I would say easily, but I wouldn't. I don't know
your financial situation. So I am curious of something, and
I'm being dead serious. What kind of assets do you have?
Speaker 2 (02:04:13):
What can they come after?
Speaker 13 (02:04:15):
They don't have anything they can go after. I mean,
I have a business, but.
Speaker 6 (02:04:21):
You know, well, does the business have any like real
assets though? Or it's basically you, it's just basically me.
Speaker 13 (02:04:27):
I have a massage therapy.
Speaker 2 (02:04:29):
Yes, So the worst yeah, the miss They're not going
to come after a massage business.
Speaker 5 (02:04:33):
So the worst scenario if you don't own your own
house and your car is worth less than eight thousand
or whatever, it is now, and maybe you even do
own your own house, although I know you don't because
of this scenario. The worst scenario, seriously would be a
Chapter seven bankruptcy, and your credit would be back up
to snuff, probably within eighteen months, to be quite honest.
Speaker 2 (02:04:57):
But Jennifer, yeah, you can rebuild your credit. You can
rebuild your credit pretty easily. Do you have a lot
of credit card debt right now? No, Jennifer, Jennifer, you
need to talk to a bankruptcy attorney right now. Even
if you're I'm serious, You're you're I don't think you
(02:05:17):
know the extent at which you're going to be responsible.
And you can't just say, well, it wasn't my fault
this thing flooded. It's that that is your fault because
you brought that thing into the apartment, okay, and so
you got to protect yourself from now.
Speaker 6 (02:05:38):
I would call Mike Wink. I would call We'll give
you that number. But no matter what, don't pay any
money towards this right now. It could be very bad
money spent.
Speaker 2 (02:05:48):
Okay, have you paid anything yet?
Speaker 13 (02:05:52):
When I asked the landlady to go through the insurance
because I wouldn't find the contract with the contractor.
Speaker 2 (02:05:59):
But Jennifer, you think by going through the insurance you're
getting out of it. You're not. The insurance is going
to come after you. The insurance is going to come
after you harder than the landlady.
Speaker 13 (02:06:11):
It wasn't that. It was she was having me sign
a contract to hire contractors to do work on the building.
And I told her, in my lease it says I'm
not allowed to hire good contactors to do the work
on that.
Speaker 2 (02:06:23):
That's so weird.
Speaker 6 (02:06:24):
They even ask that. They're trying to set you up.
Speaker 2 (02:06:27):
Yeah.
Speaker 13 (02:06:27):
Yeah, So I asked her, I said, well, can't you
sign it and then bill me? And she would refuse
to sign it. And then after that I said, I said, okay,
well let's go with the insurance.
Speaker 2 (02:06:39):
The reason mark she wants let's just cut it short, please.
I know exactly what's going on. The reason they want
you to hire the contractor is so they can't be
held responsible when the contractor comes collecting for the money.
So it was smart of you not to do that.
But no matter what, you are going to ultimately be
(02:06:59):
live for this. You need to see a bankruptcy attorney,
and in fact, it's not too soon to see one
now you're not getting unless you have fifty or seventy
five thousand dollars sitting around.
Speaker 13 (02:07:13):
No, the thing that she said that concerned me when
I wouldn't find that contractor she said, I didn't want
to go to the insurance route because this building is
condemnable and I live here.
Speaker 2 (02:07:26):
Okay, Jennifer, here's the thing, meaning the condition of the
building after this, the insurance company could insist on doing
way more repairs than just what happened. And what I'm
saying is none of that matters to you. If you
(02:07:48):
somehow feel going to her insurance is going to make
it easier on you, it's going to make it harder
on you, not easier. Insurance companies will go after everything,
including future earnings. You know they are relentless. And whether
(02:08:10):
now you were smart not to sign contracts, by the way,
you were smart. However, whether she goes to her insurance
or not is none of your business. Whether that building
is condemnable or not is none of your business. However,
if they claim, which they could, that this incident put
(02:08:31):
them over the top and now this place will be
condemned because of you, you could be looking at a
million dollar claim. Against you. You don't understand, I don't. Okay,
then don't do anything, Jennifer. If you don't think anything's
going to happen, don't do anything. If you listen to
(02:08:51):
us at all, you will hire a bankruptcy attorney now
to formulate how you're going.
Speaker 6 (02:08:57):
To get out of this.
Speaker 2 (02:08:58):
Otherwise, otherwise you're going to be in very big trouble.
That's all I can tell you. And I know you
called for help, but you know this. These people are
doing nothing wrong to you at all. They should go
to their insurance company. They should. But what I'm saying
is is that's going to be bad for you, not good.
(02:09:22):
Mike do you have that? I mean, Mark, do you
have that number for Mike Wink?
Speaker 3 (02:09:25):
I can give it to her.
Speaker 2 (02:09:26):
Yeah, we'll give it, sir, Okay, we'll give it to her.
Wink the Wink Law Firm. Jennifer. I want you to
talk to him right away and see what he sees
in your future. And I think you need to start
structuring a bankruptcy three oh three seven to one three
eight two five five Go with a sure thing Denver's
Best roofer Excel roofing dot com. You don't pay a
(02:09:48):
cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass Insurance paying too much
your coverage? A dozen of insurance companies find out now
three all three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand
the real estate man dot com to list your home
(02:10:09):
with Remax Alliance three all three nine two zero sixteen
twenty two. Hi Tom Artin know here with Mark Major,
we're talking about your problems, questions and complaints. And you
know that last call brings up something very very important,
(02:10:29):
Renter's insurance. You know so many times we talk about
renters insurance. It's inexpensive. I mean some of it's like,
what is it like one hundred bucks a year, maybe
a little more.
Speaker 5 (02:10:42):
ADDIE's is Addie rents right here in the tech center.
Hers was when we got it through Compass. Or she
did her and her boyfriend one hundred and forty bucks.
Speaker 2 (02:10:50):
For the year. One hundred and forty bucks. Now listen,
the liability that you have for things that go wrong
are incredible, and they love the liabilities are incredible. For example,
you know, I know she thought, wait, a minute. This
was not my fault. It was an accident. That is
precisely what you ensure for. You know a lot of
(02:11:11):
people say, well, I don't own that much. You're not
ensuring for yourself. Sure, contents are part of a renter's policy.
You want to, you know, ensure for that TV you
have or that couch or all that. But that's not
the real deal. The real deal with renters insurance is
your liability to others. And it's also temporary housing that
(02:11:34):
can be a factor, But your liability to others. Do
you realize that you could, like, like she disturbed asbestos,
that's going to be on her. Or if you destroyed
something downstairs underneath you, that's gonna be on you, alongside you,
that's gonna be on you. And this was from a
(02:11:56):
water appliance, a water filter it is, and it leaked
and it flooded her laundry room and a couple garages
below her. They have to tear everything apart. You're not
gonna get away with nowadays for any construction whatsoever having
to do with water and pulling walls apart in floors.
(02:12:17):
You're talking fifty grand, at a bare minimum, fifty thousand dollars.
Speaker 5 (02:12:22):
I wanted to ask Nick Gravinas Gravina, do you have
you ever walked into something like that, Like you order
windows and you go to put them in and you
run into like mold or asbestos or you guys check
all that prior to ordering, or how does that even
look if you ever showed up and all of a
sudden you can't even put him in because you can't
(02:12:43):
move the asbestos.
Speaker 1 (02:12:44):
I mean pretty rarely. I mean we do run into
some asbestos on the exterior for some old siding from
the fifties, and we can entombe it is what they
call it, as long as we don't, you know, disturb it.
So if we can put a house wrap in like
vinyl or steel siding, we don't have to do anything
like a hearty we would have to remove it, which
you'd have to reradiate, but we don't do that. We
have companies that we refer for that. We're also lead certified,
(02:13:07):
so we run with lead paint. You know, we do
test for lead paint. I have seen we've torn out
a window before and have had literally a mushroom growing
underneath the window.
Speaker 12 (02:13:18):
Wow.
Speaker 1 (02:13:20):
But yeah, I mean, we don't run into too much
molder stuff here, you know, more dry rot than anything.
And again we don't do too much moisture stuff.
Speaker 5 (02:13:29):
But how do you even handle that dry rote? You
go to install a big bay window and the damn
frame just doesn't even you know, it's crumbling. I guess
you just rebuild it.
Speaker 1 (02:13:37):
Yeah, I mean we can, you know, I mean, if
it's a couple sticks, we can usually do it. We've
had it where we've had to stop boarded up, turned
over to their insurance. I've had whole walls how to
be rebuilt from like stucco being on the outside and
rotting the house. You know.
Speaker 2 (02:13:52):
So I don't understand. I don't understand this text. But
it says Tom, I need a door replaced.
Speaker 6 (02:13:59):
Just do the glass broke?
Speaker 2 (02:14:02):
And I can't replace the glass the door was built around.
I don't even understand what it means the door was
built around the door. I contact, Okay, I know what
they're talking about. They have a fixed light next to
a door, and it's more than a door, so they
have a they have a long vertical piece of glass
(02:14:25):
alongside the door, and the door is glass too. It
looks like it looks like a single French door up
against a vertical fixed light.
Speaker 1 (02:14:36):
Anyway, I got a sidelight is broken.
Speaker 2 (02:14:39):
The sidelight and and it's all one unit and they
have to replace it. Unless you can you just do
the sidelight.
Speaker 1 (02:14:47):
You'd have to see some some sidelights or doors the
glass is trapped inside the frame, so there's no.
Speaker 2 (02:14:52):
Replacement, That's what I think they're saying.
Speaker 1 (02:14:55):
But there are some that have like lip lights or
stops that can be removed. We don't do glass replacement.
I could recommend somebody, but if they want to send
us some pictures, they can text it.
Speaker 2 (02:15:04):
Three. They just sent me a picture, I'm going to
try to copy that to you. Meanwhile, I'm going to
just tell them to call over there. Yeah, That's what
I'm telling them right now. So on another note, they
want to know on siding, what siding do you recommend
so they never have to do it again and they
(02:15:24):
don't want to paint. Well.
Speaker 1 (02:15:27):
I think Steel siding right now has probably one of
the best paints on the market. We've talked about this before.
They have a lot of the ones we sell, and
Steel have a Kinar finish, so you get like a
thirty five year paint finish. On it. Wow, we do
have a LP smart side that has a thirty year
warranty on it called Diamond Coat, which is fantastic. That's
what I have on my house.
Speaker 2 (02:15:48):
What is the actual siding made of.
Speaker 1 (02:15:50):
On the LP? Yeah, the LP is an engineered would
it looks like OSB if you know OSB is oriented strandboard,
you know, chipboard, but the way they make it is
completely different. It's actually mid Northern United States aspen trees,
not like the ones we have here. All the chips
before they press it into the siding. They used to
(02:16:11):
press the siding and then coat the outside and penetrate
just the surface. Well, they take the chips before it's
actually pressed and actually saturate those first, and then they
press it. So it's almost like a ninety nine percent
you know, impregnated with their waxes and chemicals for bugs
and water and all that stuff together. So that panel
(02:16:32):
itself is very awesome.
Speaker 2 (02:16:34):
And is that panel awesome before the diamond code.
Speaker 1 (02:16:37):
The diamond code is the paint finish, which is made
of basically rocks. But yeah, the LP is all made
the same. So the LP siding and smart trim itself
is all made that way. Which I think is a
very well made product, and it's what it doesn't have
the weight of the heart.
Speaker 2 (02:16:51):
And does all LP Smart side come with diamond code
or is that an extra?
Speaker 1 (02:16:56):
Nope, you can get it primed. They do their own finish.
They have one of their own things is called Expert Finish,
which is their paint finish which has a fifteen year
and then diamond Coat's another pre finisher from theirs which
can carry a thirty years.
Speaker 2 (02:17:07):
How much does diamond coat add to the price.
Speaker 1 (02:17:10):
It's one of the top on the market. It's one
of the upper echelons. But again, if you don't have
to paint for thirty years, I mean, I'm a real
big believer in that paint, you know. But if you're
gonna live in your house for twenty plus years, I
think it's definitely worth it. If you're gonna sell them
five years, it's probably not really worth it.
Speaker 2 (02:17:26):
Can you diamond coat anything or only the smart side?
Speaker 1 (02:17:30):
I am not sure about that. We can only get
it on the LP. I mean, I don't you know
that's made by Wasaw. I don't know if they have
the paint to do other things, but for us, it's
just the diamond coat on the LP siding from the factory.
Speaker 2 (02:17:42):
And does it come prepainted with diamond coat.
Speaker 1 (02:17:44):
Yes, and okay, And the story is is that they
ground up rocks from the earth, like if you want
to charcoal color, they take rock pigment, or they take
rocks that are that color. They ground it up and
fifty percent of that paint is actually crushed up rock
and that's why it retains the color and in life
of it for so long.
Speaker 2 (02:18:02):
Okay, So diamond coade is only available on LP smart
side and it's guaranteed for how.
Speaker 1 (02:18:08):
Many years a year paint finish.
Speaker 2 (02:18:11):
Yeah, that's pretty damn good. Three oh three Gravina. We
got more coming up.
Yeah, ripped news.
Speaker 2 (00:09):
So you don't have.
Speaker 3 (00:12):
Come running as fast as we can.
Speaker 4 (00:16):
Shooter's gonna help come.
Speaker 2 (00:18):
Man, This is the Troubleshooter Show. No Tom Martine and
of course Mark Major, Mark chick it off. What do
we got out there? I tell you what we got today. Gravina.
Speaker 5 (00:31):
Nick Ravena is in the house. Any questions anybody has
about windows. Unfortunately, I love Nick, but I gotta say something.
Man at a party, I can't imagine this guy. If
you ask him something about windows, he will not stop talking.
Speaker 6 (00:46):
Have you ever met anybody like that? Tom?
Speaker 2 (00:48):
I actually yeah about different areas, and he is a
walking encyclopedia. I love when people are passionate about what
they do. Oh yeah, yeah, yeah, and it's gut it's
gut knowledge. It's not like he's looking it up on
his phone or asking chat. So, yeah, so you got
Nick with you, Gravina.
Speaker 6 (01:09):
He took over for his dad.
Speaker 2 (01:10):
Larry took over his dad, and then it's a it's
a family tradition going back what Nick, what sixty five years?
Speaker 6 (01:15):
Gravin is basically.
Speaker 1 (01:17):
Yeah, probably around there. I don't know exactly when I started,
but somewhere around there. You know, my Grandpa, do you have.
Speaker 2 (01:22):
A little one. Do you have a little one that
you will introduced?
Speaker 1 (01:26):
I mean I have two, they're not that little anymore.
But you know, my daughter and my son's ten, but
you know, little yeah, but you know they used to
be little, you know, little bittles. But you know my son,
you know, he plays you know, high level hockey. So
I'm hoping more of that than you know, maybe getting
into construction.
Speaker 2 (01:44):
But you know, hockey as a sport is one of
those strange sports that doesn't have an easy entry. Like
you know, football is not easy. But what I mean
by easy is the process pathway. Yeah, and yes, exactly right,
market pathway. So you're in college and you get noticed,
you get drafted. With baseball, that's a little less clear.
(02:05):
It's not always from college team the farm system and
then people scout the farms. But with hockey, Nick, I
heard literally American kids sometimes go off and live with
hockey families. Is that true?
Speaker 1 (02:21):
Oh yeah, yeah, there's a lot that will like either
go to Minnesota or even up into Canada. You know,
if you think you're going to want to go to
that level.
Speaker 2 (02:28):
You know, and these parents foster and Mark, these parents
foster kids in their home to play. It's really weird
the way they do it. And then they go into
some kind of a farm system.
Speaker 5 (02:40):
But so so Mitch Floria's kid art of granted one
of our other sponsors.
Speaker 2 (02:46):
His kids actually go to a hockey school.
Speaker 5 (02:49):
They learn regular books and arithmetic whatever they teach these days.
And on top of that, they practice like before and after.
Have you heard of that, Nick, Oh yeah, we're thinking
about that for our son too. Possibly that's insane. A
hockey school. Did you know that existed, Tom, I've never
even heard of like a football school for that matter.
Speaker 6 (03:06):
No, I've heard about him.
Speaker 2 (03:08):
And I've also heard about, of course, the family fostering program.
And you know, some of these famous hockey players still
go back and visit their their hockey family that that
fostered them through training. Okay, so let's talk. Our phones
take priority. We'll take some phone calls, and then I
stashed away some increase. I get about windows over the time,
(03:29):
and I know that Nick will be coming in, so
I stash them away. So right now, Charles has an
identity uh theft issue. Charles, start your story, sir, go ahead, Hey.
Speaker 7 (03:46):
Friday, I'm getting the email that you know, I'm going
huh about uh my package has been picked up.
Speaker 8 (03:57):
Uh huh, that's.
Speaker 7 (03:58):
Buy It's a nineteen hundred and fifty six dollars and
forty one cent mac Book Pro.
Speaker 9 (04:08):
Okay.
Speaker 2 (04:09):
Now, by the way, Charles, by the way, Charles, let
me let let me let me ask you. First of all,
did you order a computer or is this totally out
of left field?
Speaker 10 (04:18):
This is totally out of left field.
Speaker 6 (04:20):
Okay.
Speaker 2 (04:20):
So you get some email saying, oh, by the way,
your computer was picked up.
Speaker 10 (04:26):
It's yeah, it's one of those head of emails where
Yahoo is telling you your ups your Amazon eBay package.
Speaker 7 (04:36):
Yeah, you.
Speaker 10 (04:39):
Know, No, I did not.
Speaker 7 (04:44):
The info I could see on the email because it
said to me saying, I am Charles Stewart.
Speaker 8 (04:51):
Chose my.
Speaker 7 (04:55):
Address and my email and an.
Speaker 10 (04:58):
Old phone number that is defunct if you call it.
Speaker 2 (05:04):
Okay, do you have the Do you have the notice
in front of you?
Speaker 7 (05:12):
No, I'd have to go to email and find it again.
But I've got the receipt.
Speaker 2 (05:17):
Okay.
Speaker 11 (05:18):
Now that's why.
Speaker 2 (05:21):
Okay, So somebody now now it may not be identity theft.
It might be a phishing scam, meaning did they ask
you to go on and take care of anything online? No,
what were they saying? They simply said, someone picked up
your computer was picked up?
Speaker 6 (05:41):
Is that what it was saying?
Speaker 12 (05:43):
Right?
Speaker 7 (05:44):
And it showed my email, my address, and the last
four of the payment method.
Speaker 2 (05:53):
And we're the last four numbers accurate of your payment method.
Speaker 13 (05:59):
I checked.
Speaker 10 (06:01):
Credit karma.
Speaker 7 (06:02):
I checked all my cars.
Speaker 2 (06:04):
I'm asking you do the last four numbers? Do they
match one of your cards? Those numbers they put.
Speaker 7 (06:09):
On there, That's what I'm yeah, I'm getting too detailed.
I checked all my information.
Speaker 8 (06:16):
It's not one of my cards.
Speaker 2 (06:18):
Can you forward to that email? I mean I was
I was going to say that Mark good idea. Could
you forward us that email or go find it? It's
really important that we see that. Hold on until we
can get that, okay, Kachina help him to get that
forwarded to us. John has an issue with pods, and
I suspect it's the moving pods that you see out front,
(06:41):
uh in somebody's driveway they're packing up to move. You know,
the system in theory sounds pretty good. You load up
your pods, then the truck takes it to your destination,
and you unload your pod. So it sounds to me
like a pretty cool system. What's going on with you
John and Pods? John? Are you there?
Speaker 3 (07:06):
Yeah, I'm here. Can you hear me?
Speaker 2 (07:08):
Yes? I can now start your story, sir.
Speaker 3 (07:11):
Okay, So I rented a pod about five years ago
and loaded up all of my tools from my garage.
My wife at the time and I were going to
move back home to Colorado. I loaded all my tools
in the pod. We rented a second pod for all
our furniture. We got here, we separated. I live in
the mountains, she lives in town Thornton. And I called
(07:34):
Pods in spring of twenty two to ask for them
to deliver the pod to my address, and they told
me I'm out of their range. Okay, and I've been
going back and forth I find I mean.
Speaker 2 (07:48):
This has been Wait wait wait wait, you still have
a pod somewhere loaded with all of your tools? Correct?
Speaker 6 (07:57):
Where is the pod?
Speaker 3 (08:00):
Long month?
Speaker 2 (08:02):
And is are you being charged for storage forc Okay? Well,
at least hold on, at least you know where your
stuff is and how much storage are you paying every month?
Speaker 3 (08:15):
Two hundred and forty nine dollars a month?
Speaker 2 (08:18):
And you've been dealing with this since twenty twenty two, Yes, sir,
And so all you need is to.
Speaker 6 (08:25):
Get it delivered.
Speaker 2 (08:26):
Have you ever thought about getting a truck going down
there and unloading the pod where it is, unloading it
into one of your own rental trucks.
Speaker 3 (08:35):
Well that's they gave me that option in the beginning.
But again, this thing is loaded with my tools from
wall to wall, Florida ceilings sixteen foot long. It's eight
by eight.
Speaker 2 (08:45):
But even let me get this straight, even if they
delivered it, they don't unload it, right, They just deliver
the pod.
Speaker 3 (08:52):
Okay, that was a whole fit with pods, because I.
Speaker 2 (08:55):
Get it right. So when you first got the pod,
are you mad because they didn't tell you you were
going to be outside of the area or did it
never come up?
Speaker 3 (09:08):
Well, it never came up. Like I said, when we
got back to Colorado, my wife and I went separate
ways were of course I got you ended up in Brandy, Colorado,
and they're telling me they won't deliver it to me,
and the option of going down with unloading it is
I mean, it's like I said, it's tools.
Speaker 2 (09:28):
It's very no, I get it. But what else, John,
What were you hoping would happen if they don't deliver
to your area. Were you hoping they just made an
exception for you?
Speaker 3 (09:40):
Yeah, I was hoping they would make an exception.
Speaker 2 (09:42):
Would they load if you wanted? And I'm just I'm
just chewing the fat here. I'm not even sure this
is viable. But if you wanted to, would they let
you take that pod yourself, pick it up, take it
to your place unloaded?
Speaker 6 (10:00):
Would they allow you to do that if you.
Speaker 2 (10:02):
Wanted to do it on your dime. Let's say you
wanted to get the pod on a flatbed and take
to your property.
Speaker 6 (10:09):
Would they allow that.
Speaker 2 (10:11):
No, So they will not allow you to use their
pod at all. The only option is to unload the
pod where it sets range.
Speaker 1 (10:23):
Hey, Tom, isn't that the whole thing with pods though?
That it kind of goes anywhere. I mean, I've been
talking to my dad. He wants to move some of
his stuff to Florida, and I thought that's the whole
thing is that you can load up.
Speaker 2 (10:33):
It has to be their delivery. Yeah, that you know, Nick,
that's a good point. What what are they saying about
the delivery area? What do they mean it's outside of
their delivery area? What do they mean?
Speaker 3 (10:47):
That's just what they tell me. They say, it's out
of the range for delivery.
Speaker 2 (10:52):
So where is where are you wanting it? Where do
you want it delivered?
Speaker 3 (10:57):
Brand Lake, Colorado?
Speaker 6 (11:00):
Why the hell would that be?
Speaker 2 (11:01):
That's amazing Grand Lake, Colorado.
Speaker 1 (11:04):
Is it something where you're on a dirt road back
in the hills where they can't get it in there
or is it just.
Speaker 3 (11:11):
No? They simply were just telling me it's too far away.
Speaker 1 (11:14):
But if you wanted to get a pot there to
load it up, would they deliver one for you to
load up and then.
Speaker 3 (11:19):
Take Well, you know I thought of doing that, or
have my neighbor do it, live right next door to me,
to see if they would deliver one there. I never
did do that. You know, they're ad planes. They deliver
anywhere in the nation.
Speaker 14 (11:35):
That's where I was like.
Speaker 2 (11:36):
What, ye, well, I want it. I would be interested
to see your contract. But John, I'm going to tell you,
even if you, let's say we find something some wording
in the contract that supports you, we're not gonna you know,
you're not going to go to court to get a
specific performance and force. I mean we're at a standoff
(11:56):
right now. They're saying, look, your stuff is here. Hey,
thank goodness, after five years, your stuff is still there.
And what you really, John, I think you need to
rent a truck or a van and go over there
with some friends and unload it and take it home.
I don't see any other way. You can't force them
to do something. I mean, I guess you can. What
(12:19):
you were alluding to is, well, wait a minute. They
say they can deliver everywhere. And as I said, even
if you saw wording in the contract, what really are
you going to do it? You're going to go to
core over this? Of course you're not. So the practicality
is they're not going to do it. And to force
them to literally get a court order to compel them
(12:43):
to do it would be thousands and thousands of dollars.
It would be cheaper to hire a mover to unload
that pod and get it, you know, get it to
your place. If you want. We'll look at your original contract.
But but I don't see where we're going with this.
You're not going to get the court order.
Speaker 3 (13:05):
No, I don't want to. I don't want to hire
a lawyer. I don't want to do that because you're
absolutely right, it costs me way more money than I
can afford.
Speaker 2 (13:14):
And not only that, it's going to take a long time.
Speaker 3 (13:17):
With the van and some bodies and unloading it is
not an option. It would take me months to empty
that thing out and bring it home.
Speaker 2 (13:26):
How big is the pod?
Speaker 6 (13:28):
How big is the pod?
Speaker 3 (13:30):
Eight foot by eight foot by sixteen foot long? And
it is packed to the gills.
Speaker 2 (13:36):
All right, hold on, hold on for ideas and stuff.
Speaker 6 (13:39):
I have to take a break.
Speaker 2 (13:40):
Threeho three seven one three talks seven one three eight
two five five. By the way, I don't know if
you've heard the news, but plastics have been found as
a cause for cancers, all kinds of cancers and forever chemicals.
Speaker 6 (13:54):
You need to filter the water you drink.
Speaker 2 (13:56):
Tap water is not safe. I've been touting this system.
It's the best system I've ever had. Triple filter reverse
osmosis at the kitchen sink, requires no wiring, it's run
by the water itself, and it's only twelve hundred dollars.
Think about that. Waterpros dot net the best system, the
(14:18):
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(14:40):
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You'll think you're his only customer when you choose Frank
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home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey, what's going on? Tom Martine with
(15:08):
Mark Major Major, Mark Major at the Mother Studio with
Nick Gravina from Gravina Windows dot com. And we're talking
about this pod issue, which is really frustrating, then this
identity issue. Here's the deal on both of them. We
kind of have to see things. I saw the email.
(15:28):
It looks legit.
Speaker 5 (15:29):
Man, someone ordered something a MacBook to be picked up
at best Buy. The good news is, though, whoever picks
it up has to show you know, a valid idea
valid driver's license that they're this person. So I have
no idea who made the purchase. It does look valid,
and they're only going to hold it till tomorrow. So
I suggest he simply doesn't go down.
Speaker 2 (15:51):
Yeah, he ignores it. But what's really weird is why
would someone if they want to buy something, why wouldn't
they give another email?
Speaker 6 (15:59):
He got this by email?
Speaker 2 (16:00):
Right, Yeah he did.
Speaker 6 (16:02):
He sure did. Yeah, that's weird, he said.
Speaker 5 (16:06):
He looked at all his credit cards and none of
his credit cards end in those four digits.
Speaker 2 (16:10):
So no, no, And the charge is the smallest part
of it. But what I'm wondering is maybe a name similar,
but why would they give his email address? See, if
you're going to make a purchase, people are smart enough
usually to divert the emails to the to the proper place.
Speaker 6 (16:28):
Charles.
Speaker 2 (16:28):
What I would do right now, though, is put a
credit freeze. Do you have a credit freeze on your
credit reports?
Speaker 10 (16:36):
I didn't up into that.
Speaker 2 (16:38):
Sir, And Charles, I'm going to tell you something. It's
the easiest thing I've ever done. I have a credit
freeze to a point where I can't apply. I can't
even apply to anything. Like when I was doing the
Vestera turnkey, my latest loan, I had forgotten, you know,
the freezes on there, you.
Speaker 6 (16:58):
Know, you forget about it.
Speaker 2 (16:59):
And they said, and by the way, we can't do
a credit report on you that won't let us, so
no one can open anything without that. And I'm telling
you it is truly a wonderful thing to have. And
what the way you do it? You put a freeze
on there's trans only you only have to worry about TransUnion,
(17:21):
Equifax and experience right when you put by the way,
when you put a bill on the excuse me, when
you put a freeze on there. You can even go
in like if you're applying for something, and temporarily lift
the freeze automatically for three days.
Speaker 6 (17:39):
You don't have to keep going back and forth.
Speaker 2 (17:41):
There's no charge whatsoever, and it is well worth it.
That is the only thing I can tell you right now.
Just do that, and I wouldn't worry about it. And
as Mark said, just ignore this delivery. Yeah, it says.
Speaker 5 (17:56):
It says right here, you got to bring your government
issued photo ID and your order number period.
Speaker 6 (18:04):
End of story.
Speaker 7 (18:04):
And I can I fill in some other stupid things
I did.
Speaker 2 (18:10):
Okay, go ahead, rove my car.
Speaker 7 (18:12):
I couldn't contact. I contacted them. I mentioned the old
phone number, which is defunct, and when I went back
to the the website the number had been taken off.
I went physically down to the North Glenn.
Speaker 2 (18:30):
That's why.
Speaker 6 (18:32):
But why?
Speaker 2 (18:33):
And why why?
Speaker 7 (18:37):
Because Okay, in sixty seven years I have I haven't
learned everything.
Speaker 14 (18:44):
I talked to the manager, Yes you have.
Speaker 7 (18:47):
And we agreed because the laptop was already picked up.
I was pissed off at upset with them.
Speaker 5 (18:55):
Wait wait and I said, wait, it's already been wait
wait wait, it's already been picked up.
Speaker 2 (19:03):
Yeah, but now hold on, Charles, please just listen. Hold on.
Speaker 5 (19:08):
You said you went through all your credit cards. None
of these credit cards are yours? Right, and the laptop
is no longer there? Is that what you're saying?
Speaker 10 (19:20):
I'm he is also.
Speaker 2 (19:24):
A hey, hey man, all we're asking listen, all we're
asking did they pick up the laptop? They did, so,
how did they provide? Did you now? I would be
curious to ask the guy at the store. Not.
Speaker 7 (19:40):
Apparently they look at IDs, and then I I what
about the barcode on the back?
Speaker 8 (19:46):
He says, we don't scan those.
Speaker 2 (19:50):
It's like what so, Charles, Charles, all all you have,
I'm telling you you're gonna lose sleep and you're gonna
lose hair trying to find out who it is. What
do you Here's here's what I want to tell you.
Even if you found the guy, if the guy said, oh,
by the way, he yes, he did pick up the laptop,
(20:11):
and in fact he's still in the store there he is.
I want to ask you something seriously. Now, let's get
right down to brass tacks. What would you do if
the guy at the if the clerk said, oh, yeah,
he just picked it up. In fact, he's over there
looking at some other stuff, some cases, and you saw him,
what would you do? Tell me?
Speaker 6 (20:30):
What would you do?
Speaker 3 (20:33):
I don't know.
Speaker 10 (20:35):
I have made mistakes in my life.
Speaker 2 (20:37):
Put it that way, you watch what would you do?
Speaker 10 (20:41):
I worked on the fishing boats. I drove for Uber Charles.
Speaker 2 (20:48):
I'm not asking about fishing boats. I'm asking you if
you knew who the guy was, if you knew who
it was and you saw him, what.
Speaker 6 (20:59):
Good would it do?
Speaker 2 (21:00):
What? Tell me what you would do? If you called
the police, they wouldn't do anything. They wouldn't even come there.
Speaker 7 (21:06):
I did, I did, and I tried to file a report.
They don't care to walk me through. And I can't
even file a report.
Speaker 2 (21:17):
That's right, I mean, because you don't have anyone to
file it against. Who are you going to file the
report against what Charles. What I'm saying to you is
that stolen identities have become so ubiquitous that no one cares.
No one Now if they start doing credit card fraud,
that's another story. You can shut down the front, but
(21:40):
you still won't get the guy arrested. If you saw
the guy inside best Buy and they said, oh, yeah,
he's the one that was using your name, and he
just came and got the computer there, he is right there.
The police won't show up, the store management won't eat it,
no one will do anything. We're living in the world, Charles,
(22:02):
no one cares. What you have to protect yourself. I'm
just telling you the truth. But he how do you
protect yourself to Did he even get charged for this? No?
He did.
Speaker 5 (22:15):
He has no standing at all. Then he literally he
has no standing. What's he going to say, somebody with
the same name you, somebody else's credit card that didn't
affect me.
Speaker 2 (22:27):
I have no idea what he wants.
Speaker 6 (22:30):
I don't know what he wants. Charles.
Speaker 2 (22:32):
That's a good question. And seriously, we're not attacking you
or anything. We're discussing this issue because it happens to
a lot of people. So in a very simple terms,
tell us what you want. What were you hoping we
would tell you today?
Speaker 10 (22:47):
Well, I really don't know anymore.
Speaker 7 (22:54):
I you know, I do want the guy to have
problems with you.
Speaker 8 (22:58):
Know, what about Mary situation?
Speaker 15 (23:01):
What a zipper.
Speaker 8 (23:04):
To say?
Speaker 16 (23:04):
But what you.
Speaker 6 (23:06):
Want him to zip is junk up.
Speaker 2 (23:10):
Oh I don't even know what he's saying.
Speaker 5 (23:12):
It's just seeing in a movie what about Mary? But
I don't understand the relevance he.
Speaker 2 (23:17):
Wants him to get his wiener.
Speaker 7 (23:19):
He taught he has got a leasing contract under my name.
Speaker 10 (23:25):
He tried to open.
Speaker 2 (23:26):
Wait wait, wait, wait, now that hold on Charles a
way to bury the lead. So this goes far beyond
the computer. You found other things this guy is doing
in your name.
Speaker 7 (23:38):
All on Friday.
Speaker 2 (23:40):
Okay, hold on and we'll come back to this. I
gotta take a break. I'm not gonna let Mark lure
me into being late like he usually does. By the way,
Frank Durand the real estate man right now is giving
out free information for you, complete analyzes of homes. He'll
go to your home and tell you what it will
sell for based on the comp the nahood to supply
(24:01):
and demand the interest rates the recent sales. If you're curious,
you don't. You may not even list. You're just curious,
No obligation. Frank durand the real Estateman dot com an
accurate an accurate appraisal, not appraisal, but an accurate evaluation
of your home and what it will sell for based
on his experience. Three o three nine two zero sixteen
(24:23):
twenty two. Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance checkup free, no obligation.
Comparison call Compass Insurance paying too much your coverage at
(24:44):
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 Estateman dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hey, I'm Tom Martine.
(25:04):
You're a troubleshooter of three oh three seven to one
three talks seven one three eight two five five. What
a beautiful day. Don't forget Denver Regen dot com for
painful joints and tendons.
Speaker 6 (25:14):
They did a great job on me. They do shoulders, elbows, knees.
Speaker 2 (25:18):
They specialize in lower back and neck Denverregen dot com. Okay,
now let's continue and talk about this U we have
Kyle wants to talk about their neighbor and the dogs,
and then Allen's got a question.
Speaker 5 (25:35):
Hold on, let's finish this other guy. Okay, go ahead, Charles.
So I'm looking at this email, and.
Speaker 2 (25:42):
For those listening, he's saying that a computer showed up
at Best Buy paid for and it wasn't him.
Speaker 5 (25:48):
Go ahead, and he got an email. So he got
another email from Hey, Charles, this is your email address, right?
I mean, I hate to even ask you that, but
it is is.
Speaker 2 (26:00):
Right, it is.
Speaker 8 (26:02):
I've had it a long time.
Speaker 5 (26:04):
The dessert one right or desert or whatever you want
to say it is to be crazy, that's fine. You
don't have to say that, Loud. I don't want you
to give it out. So I think it is possible
someone has possibly taken his identity and opened up this
lease payment. And what this lease payment is one of
(26:24):
these buy here pay over time deals, you know, tire
stores take them, all kinds of.
Speaker 6 (26:29):
Places take them. Can you tell what it's form.
Speaker 5 (26:32):
Now it just says how much the payment's for. That's
all the information I have, Charles. Do you know what
it's for? Or you have no idea but this that
you sent me?
Speaker 10 (26:40):
No I did.
Speaker 8 (26:42):
I did talk to a rep and they we need
to have.
Speaker 6 (26:46):
Yeah, I know.
Speaker 5 (26:46):
Here's what we really need to do. We need to
have someone hold his hand and walk him through looking
at his credit. I don't know how easy or hard
that's going to be, but we have to see it.
Speaker 7 (26:56):
This go ahead, Chelsea, I'm I'm okay with how the
Federal Trade Commission is.
Speaker 6 (27:05):
Oh my god, I got to put them on hold.
Speaker 5 (27:08):
Here's what we've got to do, Tom, someone has got
to hold his hand and look at his credit and
make sure these were not opened up the best Buy
and this Amika or a Chema one under his actual
social This could be happening. There's no doubt about it.
Speaker 2 (27:23):
Now, Okay, So it does look like that and this
least payment, how much is it? Mark?
Speaker 5 (27:28):
This one is a payment twice a month for one
hundred and eighty six eighty one.
Speaker 2 (27:33):
But if he's not being charged, they're just using a name.
I'm wondering what the game is of the scammer, what's
the game.
Speaker 5 (27:40):
No, what I'm saying is I wonder if whoever picked
up the laptop and whatever this payment's for. It could
be for tires, it could be for an engine, it
right for a furniture, if they actually benefited. But he's
going to end up getting billed. In other words, HiT's
on his credit report. If it's not on his credit report,
I'm with you, I can care less. But if it
(28:01):
is on his credit report, he's got a problem.
Speaker 2 (28:05):
But if they open an account in his name and
he did not do it, and they did not use
the proper docs, I mean, you're right, he's got a problem,
but he can ultimately get out of it. I mean,
they're not going to collect from someone who didn't make
the debt.
Speaker 6 (28:19):
I need to agree with you, But we need someone
to help him.
Speaker 2 (28:23):
We really need someone to help him because he doesn't
seem you know, he's talking about the Federal Trade Commission
all of this.
Speaker 5 (28:30):
Let's have Doc. I think this would be perfect for Doc. Honestly,
do you.
Speaker 2 (28:34):
Really believe then? I was thinking dollar. I was thinking dollar.
I see Dollar over there, smiling.
Speaker 6 (28:40):
You want to do it?
Speaker 2 (28:41):
Dollar? Dollar? It sounds like here's what I think. And
then let's teach him how to put a credit freeze on,
because no one can do anything when you have a
credit freeze. It's the simplest, easiest tool in the world
to use.
Speaker 5 (28:54):
And here's the gassiest way for you, Dollar. If he's
got a credit card or real credit card, either three
Chase or Capital one or Amex, when he logs on,
he could look at his credit right there and see
what has been open.
Speaker 6 (29:07):
That's gonna be the easiest way.
Speaker 2 (29:10):
Okay, Now let's I want to move on. I'm gonna
give this. Let's give this to Dollar. But Alan, I
think I can probably answer this pretty quickly on capital gains.
Speaker 6 (29:19):
Go ahead, Alan, what is your question.
Speaker 16 (29:23):
I'm selling a house in Boulder, and I'm probably gonna
make maybe two to three hundred thousand dollars on it,
and I'm just wondering, and it's my first house sale.
Speaker 6 (29:33):
Are you single?
Speaker 2 (29:36):
Yes? Well, most importantly, is it a primary residence? Yes?
Speaker 6 (29:42):
Okay? And how long have you lived there?
Speaker 16 (29:46):
Well, I've been here since two thousand and nine, but
I got Divoris and I got.
Speaker 15 (29:51):
The house back in twenty twenty two.
Speaker 2 (29:55):
But you've been living there as your primary residence. Okay,
so you've lived there two of the past five years,
it's going to be your primary residence, and you have
an automatic exclusion of two hundred and fifty thousand dollars
of gain. Now make sure, though, that you calculate gain properly.
(30:15):
Many people just take the price they paid for the
house and call that their basis. But you're allowed to
add to that basis anything that you did to improve
the house. That includes major landscaping, permanent appliances, paint, countertops,
any kind of improvements. Did you how much did you
(30:37):
buy the house for?
Speaker 15 (30:39):
We bought it originally for three thirty five and then
I got it back them in Divores for four to
thirty five.
Speaker 2 (30:46):
Okay, so your basis is four thirty five.
Speaker 6 (30:49):
Okay.
Speaker 2 (30:50):
Did you do any improvements to it? Oh?
Speaker 15 (30:53):
Yeah, Oh no, we did when we bought the house.
Speaker 2 (30:56):
No, I'm talking about after the sessiment.
Speaker 6 (31:00):
Did you do anything?
Speaker 15 (31:02):
Oh yeah, no, fencing, landscaping, corner talking.
Speaker 2 (31:06):
So you come up with a basis, what are what
are you selling it for?
Speaker 6 (31:09):
Do you have a buyer?
Speaker 15 (31:12):
No, it's going to go on the market this week.
Speaker 2 (31:15):
What do you think it'll sell for?
Speaker 15 (31:18):
Well, my neighborhood is like nine hundred thousand.
Speaker 2 (31:21):
Okay, let's say it sells for nine hundred and you
subtract your basis. Are you sure you're even going to
have more than two hundred and fifty thousand in gain?
Speaker 16 (31:33):
I you know now that I have to calculate that
what you just talked about, I don't know.
Speaker 2 (31:39):
But now if you do, it's very easy. You get
the first two hundred and fifty thousand dollars in gain free,
it's excluded. Then let's say it comes to three hundred thousand.
You would only have to pay long term capital gains
on the extra. So if it's three hundred thousand, that
you truly made it profit, then you would have fifty
(32:03):
thousand dollars of taxable gain at about twenty percent. That's
fifteen percent federal, five percent state.
Speaker 5 (32:10):
But don't forget to tell your accountant about the roof
deciding the pain, the HVAC systems don't whatever you did
the betterment.
Speaker 2 (32:19):
Yeah, we got to take and remember this, No one
that I know of has ever checked a home sale
for people. I'm not telling you to cheat. I'm just
telling you you don't have to split hairs. We have
more coming up. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent
(32:41):
until you're content. Time for an insurance checkup free, no obligation.
In comparison, call Compass Insurance Pain 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
(33:03):
three oh three nine two zero sixteen twenty two. Hi
Tom Martino, your troubleshooter three O three seven one three
A two five five. So, Jeff, let's start with your problem.
We have some experts on that could help you. You
have a time share. What's going on with it? Jeff?
Speaker 8 (33:30):
Can hear me?
Speaker 2 (33:31):
Yes, sir, what's going on with your time share?
Speaker 8 (33:36):
So it's not specifically my time share, but it's my
mother who is.
Speaker 2 (33:42):
Eighteen Okay, she lost when did she When did she
buy the time share?
Speaker 8 (33:50):
Oh gosh, it's been twenty plus, maybe even.
Speaker 2 (33:54):
Twenty okay, okay. Is it a condo?
Speaker 8 (34:01):
So it's specifically trend West. So the accumulate points, So
she buys points and then she uses those points throughout
the year.
Speaker 2 (34:12):
Yeah, so they don't really own anything. She just belongs
to this point club. And the thing about the point system,
they can devalue your membership overnight by simply increasing the
number of points it takes to get a week, and
then they say to you. They sell it to you,
sometimes saying, hey, you're buying a week anywhere in the world,
(34:33):
and then all of a sudden, it's only two or
three days and you have to buy the rest to
make it a full week. The point system. As much
as timeshare sucks, the point system sucks even more. We're
going to talk about this and have our expert on
right after this. Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent
(34:54):
until you're content. Time for an insurance cup free no obligation.
In comparison, call Compass insurance paying too much your coverage
at dozens of insurance companies find out now three all three, seven,
seven to one help. You'll think you're his only customer.
When you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three All
(35:17):
three nine two zero sixteen twenty two, Ripped.
Speaker 4 (35:26):
News.
Speaker 5 (35:29):
Who you don't have?
Speaker 4 (35:32):
Come run anxious sustas as we can. Shooter's gonna help
come man, this is the.
Speaker 2 (35:40):
Troubleshooter Show now, Tom Martine. Hey, I'm Tom Martino. Welcome
to the show, along with Mark Major back at the ranch. Mark,
who do we have sitting there?
Speaker 6 (35:50):
And what are we talking about?
Speaker 5 (35:51):
You got Nick Gravinas, of course with Gravinas, and then
we have Deputy Chopper. We have Scott sitting over here
at Deputy. We have Shannon as always, and then of
course let's not forget about Kelly answering your calls and.
Speaker 2 (36:07):
Yes, okay, So we got a lot going on, and
we've been talking about identity theft along with other things.
We have somebody who called in with on unusual issues.
Somebody seems to get got they got a hold of
his identity for a computer and something else, some other
(36:28):
lease or lease payment in any case, we talked about
credit freezes and I got a text saying, well, what
exactly do you do if you just go to the
websites for the three major credit bureaus. They have instructions
and it's managing a credit freeze. It is very easy.
Once you put it on there, you can simply keep
(36:49):
it on there and then temporarily thought out. When you
want to apply for something, I wait until I'm asked
to thought out. Then I know the creditor that I
applied to you is ready to take my credit. So
I do it for a day or two and then
it automatically goes back on.
Speaker 6 (37:06):
So do that.
Speaker 2 (37:07):
And then we have an issue with a timeshare. And
we have an expert on Mike Finn, the Finn Law Group.
We've been dealing with him for many years, one of
the few legit experts for getting people out of time shares.
And why do I say that I want to bring
this up when it comes to timeshares. Then we'll go
to Jeff. But there was a timeshare team. I thought
(37:28):
they called themselves an exit team, whatever it was. What
they did was they had wording in their contract. Listen
to what the wording said, you remember this mark. The
wording said, if we present you with a settlement offer
from the timeshare developer and you turn it down, we
have done our job and earned our commission. In other words,
(37:51):
And so I asked them one time well, what exactly
is an offer? The offer could be outrageous or unconscionable,
but you've done your job as long as you bring
the What if the offer was pay it in full?
What if the offer was pay fifty percent of it?
I mean, what I'm saying is you have to watch
these timeshare exit contracts because they're very tricky. Now, we
(38:16):
like Mike Finn because he's a no nonsense attorney who
takes on these cases and he knows how to get
you out of them.
Speaker 6 (38:24):
And it's reasonable.
Speaker 2 (38:26):
But beware of all the other companiesing these exit strategies.
Speaker 5 (38:35):
They're not all what they're cracked done. You know the
one that drives me crazy, just drives me nuts. I
think it's Wesley. And here's why it drives me crazy,
because this guy comes on and says it how it is.
He goes, you know what, I used to sell time
shares to everybody. Now I can't live with myself, So
now I can help.
Speaker 2 (38:55):
You get out of it.
Speaker 5 (38:56):
Can you imagine he sold you a timeshare. Now he's
I'm after you to get you out of it. And
that's just not right anyway. So let's talk to Jeff.
Speaker 2 (39:07):
What is going on, Jeff, start your story about your
time share. Jeff, your mom bought into a point system
right correct?
Speaker 16 (39:19):
Now?
Speaker 2 (39:19):
The point system, in my opinion, as bad as time
shares are, the point system is the worst. We had
someone go to a timeshare presentation one time and they
were told they're buying two weeks, okay, and those points
represented two weeks. Suddenly a year and a half later,
(39:39):
those points were only good for one week, and then
another year and a half after that those points were
only good for three days. And then what they do
is they cleverly offer you the balance of the points
to make your week complete. So with points, you really
never know what you're buying.
Speaker 6 (39:57):
And what happened?
Speaker 2 (39:59):
Where does she buy these points?
Speaker 8 (40:04):
Her point systems through trend West. I think it's also
could be considered under world mark.
Speaker 2 (40:11):
And how did she go? Was she had a meeting
with Tell me how it happened?
Speaker 8 (40:16):
Yeah, so probably about twenty twenty five years ago. They
were invited her and my follower invited to a one
of those meetings at a hotel and they bought into
the point that long ago, Yeah, about twenty five years ago.
Speaker 2 (40:31):
How long has she been?
Speaker 8 (40:35):
Maybe even longer than that?
Speaker 2 (40:37):
How long has she been paying on it?
Speaker 8 (40:40):
So the membership has been paid for. So she so
she bought x amount of points, and then each year
they offer her an upgrade to platinum or silver or gold,
whatever it may be, and then they add her more plug.
Speaker 2 (40:56):
Tell me what she heard? Tell me if you had
to add up what she paid so far, what would
have been?
Speaker 8 (41:03):
Oh god, let's say, I would say close to eighty thousand.
Speaker 6 (41:11):
Oh my god.
Speaker 2 (41:12):
She makes every every year she has to make a payment.
Speaker 8 (41:16):
So yeah, every so every month she makes a payment
for I guess it's like maintenance fees, cleaning fees. And
every years. Has she ever used her points? She has
used the points in some years she doesn't use any
pumps only because some of the places she wants to
(41:38):
go to it's all booked up, so she's not able
to get into the places she really wants to go
and has to pick from places that she would she
doesn't care about going to.
Speaker 2 (41:50):
This is terrible. Has she ever tried to get out
of it before?
Speaker 8 (41:56):
She she has, but she's never gone to the extent
of like following through with anything. So today she has
a meeting with them in regards to seeing how she
can get out of it. And from what I got
from her on a phone call, whege they're going to
charge her X amount of dollars just to cancel it.
Cancel it. So that's why I called to see if there's.
Speaker 2 (42:17):
How much are they going to charge?
Speaker 8 (42:20):
I think she said four to five thousands.
Speaker 2 (42:24):
That might be the cheapest way out. I don't know,
but we don't know if that's really going to sentence.
You know, we don't know what they're.
Speaker 6 (42:29):
Going to offer.
Speaker 2 (42:30):
Let's go to our attorney and asked Mike Finn, Mike,
have you heard system.
Speaker 17 (42:41):
I'm not familiar with that particular program, but you're right
on the money, Tom. If she can get out for
four to five thousand dollars and it's a legitimate offer
from the developer, pretty much has to be something the
developer because if it's a third party company, it's probably
we as a scam. If it's if the it's a
(43:05):
If the developer is offering her a termination for four
to five thousand dollars, that's a sure thing. My fees
are somewhere in that neighborhood as well. But if you
take if you to take out and find law group,
you're signing up for a period of time, and we
(43:25):
cannot say one thousand percent that's that's the client's going
to get out. It always happens, but we're not authorized
by law to make that guarantee. So she has a
guaranteed accent for.
Speaker 2 (43:40):
How she even know? This could be a third party
just trying to sell her condo. You know, they they
come on saying we're going to get you out of this.
She does. You know, Jeff, you need to get involved directly.
You need to really know that you're dealing with the
developer because this could just be some marketing firm.
Speaker 17 (44:00):
That's right, Okay, that's absolutely right. If somebody can call
me and let me know who the parties are that
they're dealing with, I can. I'm happy to provide some
advice no charge, as to whether or not there's getting
another scam or not, and.
Speaker 2 (44:22):
I'll give out that information the sin Law group. But
here's still even if someone wanted to hire you, Let's say, Mike,
someone does have an offer from like this and they
want you to review it. Can you do an hourly
review without doing the whole shooting match?
Speaker 17 (44:39):
Absolutely? I can usually tell, but who the participant is,
whether it's legitimate or not, because we know who all
the players are. And again, Tom, I would never charge
anybody for expressing my opinion. And in terms of the
amount of research I have to do, it'll be minimal
because we already know who the players are. So it's
(45:00):
really not an issue for us at all.
Speaker 2 (45:03):
Okay for an initial consultation, Jeff, Jeff listen, I want
to ask you, how did she get this offer to
get out of it?
Speaker 6 (45:12):
Did she inquire?
Speaker 8 (45:15):
Yeah, she's been contacting trend West or world Mark directly
and just saying she can't afford the maintenance fees any longer.
She's on a fixed income, retired, and they continue to grow.
So she's trying to figure out how she can just
step away from it altogether and not have it.
Speaker 2 (45:34):
Was the original one world What was the original one?
Trend West or world Mark?
Speaker 8 (45:40):
I want to say World of Mark.
Speaker 2 (45:43):
And then it was transferred to trend West.
Speaker 17 (45:47):
Yeah, it's a it's a Windom operation.
Speaker 8 (45:51):
Yeah, Windham as well as a name that I commonly
on her paperwork.
Speaker 5 (45:55):
Hey, Mike, if she if she's on a fixed budget,
and let's say she doesn't have any assets that are
beyond the exemption for a b K if she did
do a Chapter seven and once again she's under it,
she falls under every exemption. Wouldn't that be the easiest
way out.
Speaker 17 (46:15):
Sure, certainly the easiest way out is probably, look, I'm
not going to pay any more money, do what you
have to do. We obviously like to have a law
firm waiting in the wings, because they're not going to
come after somebody that has a lawyer already essentially retained,
(46:37):
that has a reputation, like Finn log because with the
time shares. So we like to say we can help
you get out, but one of the things we're probably
going to say is you're going to have to take
the position if you're not going to pay any more money,
no matter what.
Speaker 2 (46:53):
Now, Mike, listen to this years ago. I'm looking at
some cases we had because we had a bankruptcy attorney
on and what timeshares were doing. Then if they had
someone in a twenty five or a multi year contract
and they had accumulated fees, the timeshare group was not
(47:20):
taking the condo back. They were simply waiving the money
up to the point of bankruptcy. But as soon as
they emerged from bankruptcy, they still owned the timeshare and
still had to make the maintenance fees. They never took
the condo.
Speaker 17 (47:40):
That's exactly, does not get you out of your contract.
Speaker 5 (47:45):
No, But if you're not collectible, what the hell's the difference?
Speaker 2 (47:48):
Is what I'm saying. There is no difference, right. If
you're not collectible, you're not collectible.
Speaker 5 (47:54):
I mean, if you're making a thousand bucks on Social
Security and you're living with a family member and don't
own a v go and have nothing in the bank,
I just quit paying.
Speaker 2 (48:04):
Yep. Yeah, if she just stops paying. How likely is it, Mike,
if people stop paying that they'll come after you with
an attorney.
Speaker 17 (48:15):
Well, again, we like to say if you have an attorney,
it's like extra insurance. They will not come after you
if you have an attorney. If you don't have an attorney,
it's a little bit more of a roleization. Realistically, they're
probably not going to come after you. They're going to
discover that you don't have anything, and they're not going
to come after you if you don't have anything. So
(48:36):
your point's well taking time, okay, and.
Speaker 2 (48:39):
Mark made that point about being uncollectible, So thank you
very much, the fin Law Group. Mike Finn, let me
give out that number for those listening. This guy's legit.
Beware of those people that offer to get you out
of time Shares. I'm telling you, hey, Mike, they have clauses.
They have clauses that can trigger a fee even if
you're not ultimately released.
Speaker 6 (49:01):
Go ahead, what we I don't.
Speaker 5 (49:02):
Want you to go a lot of people don't want
to go after their competition. But that guy that has
those damn commercials that says I sold time Shares for
twenty years now I'm feeling bad about it and I
want to help you get out of here.
Speaker 6 (49:15):
Don't you find that just insane? Yes, yeah it is,
it's kind of.
Speaker 2 (49:21):
Yes.
Speaker 6 (49:22):
Okay.
Speaker 2 (49:23):
His number Mike Finn and it's finn Fi n n
finn Lawgroup dot com. That's the easiest way to double
n finn Fi n n finn Lawgroup dot com. Or
eight five five three four six six five two nine.
(49:50):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Speaker 1 (49:59):
Top of it.
Speaker 2 (50:00):
Time for an insurance checkup, free no obligation comparison call
Compass insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven seven
to one. Help. You'll think you're his only customer when
you choose Frank durand the real estate man dot Com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi, Tom Arsino here
(50:25):
at three O three seven one three talk.
Speaker 6 (50:29):
Seven one three A two five five.
Speaker 2 (50:32):
All right, let's talk to Kyle about the neighbor and
the dogs and uh on.
Speaker 6 (50:38):
One thing I do want to say is.
Speaker 2 (50:41):
This is something that has happened for years and years
and years, and there's really nothing nothing to do about
noisy dogs. Man. People have been claring about this sometimes
hoa's do something. I don't know if that's what they're
even calling about noise, But local ordinances dog if they're
(51:01):
confined in the yard, they're usually untouchable by law enforcement
or by animal control. What's going on, Kyle? What's the story?
Speaker 12 (51:10):
Okay?
Speaker 18 (51:11):
John, So for a few weeks that we were outside
of my parents' house, dogs came outside. My daughter let
them out. An older gentleman was walking his dog. The
dog got excited, bark started running towards them. I got
control of one, but our b bo also had a
bark call, so he barked, he got death. They didn't
(51:31):
leave the property, but the gentleman got startled, tripped over
his dog, and fell over on his hands and knees.
And now we're getting a letter from a personal injury
attorney claiming he got a head injury. But at the
time when he was walking in if we see him
walking his dog, his dog's got I don't know, one
hundred pounds and we have a bee going to hold
(51:52):
much per.
Speaker 2 (51:54):
Okay, So so Kyle, paint this picture for me. We
might want to get John Fuller on, but paint this
picture for me. It all started with this guy walking
his dog.
Speaker 18 (52:05):
Yes, he was walking his dog in front of our house.
Our dogs were outside on the driveway.
Speaker 2 (52:11):
Okay, so he's walking past your house and what.
Speaker 18 (52:14):
Happened and he's technically on in front of our house
at the time. He's past our house in front of
our neighbor's house a little bit, and as the dogs
start barking and running, he we's got control the dog
pretty quick before they could leave our property. They never
reached it, but he got.
Speaker 13 (52:33):
Startled, turned around, pulled.
Speaker 18 (52:35):
On his dog, got dog.
Speaker 6 (52:39):
So what he is saying.
Speaker 2 (52:41):
What he is saying is your barking dogs caused his
dog to panic, which caused him to trip.
Speaker 18 (52:48):
Oh, his dog's never panicked. His dog was completely pung
He's him like he's panicked, pulled on the dog. The
dog seemed interested to say Hey, the dog want to
say hi. And he's playing a grassive. Dogs attacked him
and now he's claiming a head injury.
Speaker 2 (53:04):
Wait, is he actually claiming your dogs attacked him?
Speaker 18 (53:08):
They're claiming our dog tacked him and his dog.
Speaker 2 (53:11):
Do they offer any evidence at all? Like witnesses, all.
Speaker 18 (53:15):
We've gotten is a letter from a personal injury attorney
wanting my my father's home insurance information.
Speaker 2 (53:22):
We need to get John Fuller on to talk about this.
Can you hold on while we try to get our
attorney on? We might have to call you back even
but I think it would be worth it because this
this could go either way. I mean, did you did
you see the guy fall?
Speaker 9 (53:41):
Yeah?
Speaker 18 (53:41):
We mean my marther and my father were all outside.
We all fall him fall. But here's Delphan interesting. We
see him all the time in the neighborhood. He always
wears a helmet when he walks his dogs.
Speaker 6 (53:53):
What do you mean like he's slow.
Speaker 18 (53:56):
Either he's older, but I guess from a neighbor is
like the past winner. He slipped and his dog told
him about one hundred yards on the basement on my ice.
Speaker 2 (54:06):
But the man did actually fall in demand did actually
fall and hit his head.
Speaker 18 (54:11):
No, he never hit his head. He laid on his
hands and knees. He got up and he didn't even
the same thing about himself. He was more worried about
his dogs. Born acl.
Speaker 2 (54:24):
Okay, are they asking for an amount?
Speaker 18 (54:28):
Nothing like that. The letters of states that we would
like their homeowner insurance information that nothing will happen to
your dogs.
Speaker 5 (54:35):
I wouldn't give him any information, but I like your idea.
Let's get fuller on.
Speaker 2 (54:40):
Yeah, hold on a second, we're gonna get fuller on
to talk about this.
Speaker 6 (54:45):
Uh, he's our personal injury.
Speaker 5 (54:46):
You know what if your gut, say, Tom, you get
a letter from a neighbor saying, hey, give me your
homeowner's info.
Speaker 6 (54:51):
I tell him, hey, pound sand.
Speaker 2 (54:56):
I I think I might ignore it, or I might say,
you know, I don't know, I just don't know. I mean,
the guy was walking and he was past his house.
Kyle's dogs were barking. There's nothing aggressive about dogs barking.
Was there a fence on your property, Kyle? Or did
your dogs have free rein to go after him?
Speaker 18 (55:19):
He tried to. I got control of one.
Speaker 2 (55:21):
If he didn't. No, No, I'm not talking about control. I'm
talking about that man's perception. Was his perception that those
dogs could have gotten there was nothing holding them back.
Speaker 18 (55:32):
Oh there was so basically he wouldn't have been able
to tell if they were wearing calls. But yeah, basically
he couldn't tell anything holding them back.
Speaker 2 (55:38):
Right, So for him, it looked like two loose dogs
coming after him.
Speaker 5 (55:43):
Yeah, okay, but they never, let's say, never breached your property, right, No,
they never.
Speaker 18 (55:50):
They never made a pass the property.
Speaker 2 (55:52):
I mean, they're an interesting question. Does that constitute a
threat or a legitimate problem that caused this man to pen.
Speaker 5 (56:02):
Out on your property? I mean, that's crazy, Tom, that's
what a dog should be doing, and it's not.
Speaker 2 (56:07):
And when he did fall, Kyle, was it literally on
your property or off your property?
Speaker 18 (56:14):
It was it was on the sidewalk past our property line.
Speaker 2 (56:18):
I don't get that. That is so weird. So he
is saying, like, for example, then proximity has nothing to
do with it. What if your house was across the
street and your dogs barked and the man looked and fell.
Speaker 6 (56:32):
I mean, does that make you.
Speaker 2 (56:34):
Liable because the man looked at who was barking? I mean,
That's what it sounds like to me. So you hope,
We definitely, we definitely have to get someone on this,
but I have to take a break right now. This
is an incredible story. Three o three seven one three
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(57:25):
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 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 with Mark Major.
(57:52):
We're talking about all kinds of stuff, including, of course,
uh this uh timeshare thing. Jane, you have a comment
on timeshares, Go ahead, what is your time We're going
to go to John Fuller right after that. What is
your comment on time shares?
Speaker 19 (58:07):
Well, I had a timeshare with Marriott in Vail, Okay,
and I had it for twenty years and I enjoyed it,
but it's kept going up in price, and even traded
it from Marriott to Hawaii, I had to pay extra
and so I posted it on Craigslist and gave it away.
Speaker 6 (58:30):
Okay.
Speaker 2 (58:31):
I just want to tell you something and thank you
very much for calling. Jane.
Speaker 6 (58:34):
Thank you for calling. Even if you give.
Speaker 2 (58:36):
A timeshare away or you sell it, the developer holds
you to original recourse, meaning if anything goes wrong down
the line, they can come back to you. They never
release you from liability unless you go through a law
firm and get it specifically mentioned. Are you still have
recourse to the original agreement? So if anything ever goes south.
Don't be don't be surprised if they come after you.
(59:00):
You gave it away, John Fuller, this is a really
odd case and I'd like you to weigh in on it.
So Kyle's dogs are out in the yard. They have
collars on him to keep them in the yard. Another
guy was walking his dog past the property. When he
got past the property, Kyle's dogs started barking more and
(59:24):
Kyle got control of the dogs, he said, But the
neighbor was tripped by his own dog's leash and fell.
And now a personal injury attorney is making inquiries into
Kyle's homeowners. He's saying that the dogs startled this man's
(59:44):
dog and it caused this man to fall. Okay, what
do you think of that? I mean, should he just
give his homeowners information?
Speaker 11 (59:56):
Well, he has no choice. I mean, here's the thing
that you have to keep in mind when you have insurance.
That policy of insurance requires that you put them on
notice as soon as you're aware of a potential claim
being made, and then they have the right and the
duty to defend you in that matter, which means they
(01:00:19):
have the ability and sometimes the you know, the resources
to get involved early on in a case to kind
of preserve evidence and take the steps that they'll need
to be able to properly defend you. So it's a
no brainer from this gentleman's perspective. Call your insurance company
right away, turn it over, and stop worrying about it.
(01:00:40):
What is not smart of your caller to do is
to attempt to negotiate, to attempt to argue about it,
to attempt to you know, to contact and directly work
something out, and certainly not to offer money or anything
to you know, make the whole thing go away. None
of those approaches are the right thing to do. Simply
(01:01:02):
take advantage of the insurance that you've already bought and
paid for and call them and get let them get
on top of it and work things out.
Speaker 2 (01:01:11):
And should he give the information to the opposing attorney,
he's saying, he sure, yeah he had.
Speaker 5 (01:01:17):
If I heard you right, John, this guy has a
duty when he got that homeowner's insurance to absolutely listen.
Speaker 11 (01:01:25):
Your insurance company is not going to pay it.
Speaker 2 (01:01:27):
According to Kyle, he didn't even know there was going
to be a claim. Kyle, I'd not what you're saying.
You didn't even expect there would be a claim you
didn't know anything happened.
Speaker 18 (01:01:37):
No, because he's fell on his hands and knees. But
he's claiming a head injury.
Speaker 17 (01:01:43):
Up.
Speaker 11 (01:01:43):
Here's the thing.
Speaker 13 (01:01:44):
What are you going to do?
Speaker 11 (01:01:46):
Call him out to a parking lot and get in
a fight with him or something. I mean, the reality
is that the process is going to play itself out.
And if the guy is making claims that are just baseless,
and he may be, and I'll assume that he is,
then the process will ferret that out. There'll be no
medical records to support that, There'll be a lack of
(01:02:06):
any sort of documentary evidence to support that. And I
can promise you that the insurance company will not just
throw money at baseless claims. Good lord, I'd be rich
and famous by now if that were the case. But
they certainly hold me to the burden of proof on
all of my cases, and they will for this person
as well.
Speaker 5 (01:02:25):
Hey, John, So on the merits of this, if we
take Kyle at his word, his dog's never left his property.
They have the invisible fence collers on, and they ran
up to the edge of the property. The other guy
was already past his property in front of the neighbors
on the sidewalk and he gets startled because those dogs
(01:02:46):
ran up and he ends up tripping over his own dog.
I mean, do you see in any way how that
is Kyle's fault.
Speaker 11 (01:02:55):
Well, I can tell you you know, it's not a
dog bite, so the dog bite statue doesn't apply. So
the only thing I could see that would would remotely
come into play would be a traditional premises liability case
where Kyle's dogs were a non dangerous condition, which I
don't think they necessarily were, And so the burden approved
for this gentleman's attorney is going to be really high.
(01:03:17):
So let the insurance company do what you know, do
what they do and call and get your version of
the events, take photographs, do everything you can to show
you know that you've got the better hand on the
facts here, and sit back and let them do their thing.
There's not going to be a penalty, you know, to
you for a claim that has no merit being made
(01:03:38):
against you. It's not like in a car accident, where
you know you you've had some responsibility for playing a
part in the accident. But on homeowners, I think the
better course of action is to let them know, give
them all the tools that they're going to need to
be able to rebuff this claim. And when they hold
this other attorney to the burden of proof, you gonna
(01:04:00):
find it likely that claim will go away and it
will result in no money being paid or you know,
nothing out of nothing, off of your out of your
back pocket at all.
Speaker 5 (01:04:10):
Hey, what for clarification, John, what is the dog bite
statute you were talking about?
Speaker 11 (01:04:16):
Well, well, this is a dog bite statue. Sorry, go ahead, sir.
Speaker 2 (01:04:22):
No, No, I was just saying, this is not a
dog bite.
Speaker 11 (01:04:28):
I said, there's this is not something that would fall
under the dog bite statue. There is a specific statue
feeling for when dogs actually bite other people, and it
really is a terrible law in Colorado. It requires that
there's serious bodily injury before you can actually collect anything
beyond actual medical bills and stuff. So that would not
(01:04:49):
come into play in.
Speaker 2 (01:04:50):
This particular pace because I.
Speaker 12 (01:04:52):
Was so light.
Speaker 11 (01:04:53):
So the only thing this gentleman would be able to
claim would be that it was a non dangerous condition
and they failed to against that condition. Under basically a
premises liability type theory. It's not really a straight and aglidence.
It would fall under the premise's case. In my opinion,
I mean.
Speaker 2 (01:05:13):
Under the reasoning of this guy, let's say neighbors across
the street their dogs barked and it caused him to look,
he was startled and sell could he go after those
neighbors across the street.
Speaker 11 (01:05:25):
Tom, I don't think that there's a jury in this
state that would award money for you being startled by
some other person's dogs barking as you walked in front
of their property. I don't see that happening. So okay,
I don't know what the guy's gonna what the guy's
gonna claim, but you know, hey, you can bring a
lawsuit for anything you want, but the best right, you know,
(01:05:48):
the best thing to do is to put up a
strong defense. And when that particular attorney contacts the insurance company,
they're going to be told, in no uncertain terms that
we're not going down this road on this claim. It's
meritless right claims are full of it, and go away.
Speaker 2 (01:06:07):
Thank you. John Fuller our auto accident expert and personal
injury expert, and he's at three oh three five nine
seven forty five hundred. He'll talk to you about your
accident or claim up front with no obligation, but he'll
talk to you personally with no obligation.
Speaker 6 (01:06:24):
If you do hire him, you.
Speaker 2 (01:06:25):
Still get his cell phone that you can call her
texts at any time. Three oh three five nine seven
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(01:06:46):
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 all three nine two zero sixteen twenty two.
(01:07:10):
Hi Tom Artino, you're a troubleshooter three three seven one
three eight two five five Kevin? What's going on with you? Kevin?
How can we help you? Kevin?
Speaker 17 (01:07:19):
Yeah?
Speaker 14 (01:07:19):
Actually it's not Can hear me?
Speaker 6 (01:07:22):
Yes, sir?
Speaker 2 (01:07:23):
Hello?
Speaker 14 (01:07:24):
Okay, Yeah, I hear you. I got a call, all right.
I got a call yesterday from my parents saying that
there's a message left on their voicemail that Denver City
and County is looking for me. I don't live at
their house, but so I called the number and the
number seemed Legit said this is Denver City and County office.
(01:07:46):
And I left the message saying I received this message.
I got a call back immediately and the guy said
that he's with Denver City and County and I was
supposed to be at a grand jury and if I
don't come in immediately, there's going to be a worn
out for my arrest because I was supposed to be
(01:08:07):
at grand jury yesterday at eight am.
Speaker 2 (01:08:09):
Now, why did you not just look up the number?
Why didn't you just look up the number instead of
using the one your parents got?
Speaker 14 (01:08:20):
Yeah, I don't know. I just figured. I just I
just figured that number was was good. It was a
seven twelve.
Speaker 2 (01:08:26):
Well they don't they don't do it like that. So
it's a fraud, ignore it.
Speaker 14 (01:08:32):
No, totally it was. But he kept me on the line,
tried to get me to no, this is this is
definitely a fraud. And I'm just wondering if there's anything
you can do to track these people down because he
tried to get me to pay the He said that
I told him I never received that. He said, there
you signed for it, that you received that on August eighth,
(01:08:55):
and you were supposed to.
Speaker 2 (01:08:56):
Be but he could make it go away for a
gift card, right.
Speaker 8 (01:09:01):
No, uh uh?
Speaker 14 (01:09:02):
He said, no, I have to come in, and he
gave me the address of the of the City and
County Building, four ninety West Colfax And then he said,
I need to come in and if they I can
prove that it's not it wasn't my signature, then you
know they rescheduled me for another jurry.
Speaker 2 (01:09:20):
Now.
Speaker 6 (01:09:21):
So he was wait a minute, I'm confused.
Speaker 2 (01:09:23):
He wasn't trying to get money from you.
Speaker 14 (01:09:27):
No, this is At first he wasn't. And then he said, well,
when you come in, you're gonna have to the judge
wants you to. You need to have a bond because
you didn't show up.
Speaker 2 (01:09:38):
But get to the point, how did he want you
to pay him?
Speaker 14 (01:09:43):
He wanted me to. He told me that the bond
is going to be sixteen thousand dollars.
Speaker 2 (01:09:48):
I said, I'm not how did he want you to
pay him?
Speaker 14 (01:09:52):
He told me that I need to go to a Kiosk,
show my ID and.
Speaker 6 (01:09:58):
Hold on, hold on, put the money.
Speaker 2 (01:10:00):
All right, hold on. I want to hear the ending
of this. That's the part we should have led with.
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Please time for an insurance check up free, no obligation
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(01:10:21):
dozens of insurance companies find out now three oh three
seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.
Speaker 4 (01:10:40):
Ripped of news you need so you don't have to
run anxious as can. Shooter's gonna help?
Speaker 5 (01:10:53):
Come MANX is the Troubleshooter Show.
Speaker 2 (01:10:57):
No Tom Martinez, Hey Tom Marchino here, Welcome to the show.
What is going on in your life? I'm at Cosa studio,
Mark back at the ranch with his guests, and we
have Mark Nick Gravina. Tell me about Nicky, Well, I'll
tell you.
Speaker 6 (01:11:17):
A lot about Nick.
Speaker 5 (01:11:18):
The guy knows more about windows and siding and doors.
In fact, they actually did. I don't know if I
ever told you this. They came out and did a
beautiful new sliding door for us in our kitchen leading out.
Speaker 6 (01:11:28):
I saw the door, Yeah, I saw that door.
Speaker 8 (01:11:33):
Man.
Speaker 5 (01:11:33):
I'm going to tell you something they did. And Nick,
be honest, was this just because you like me? But
our dog ran into our screen door? Actually it wasn't
even our dog. Suzanne basically brought home a stray dog okay, Tom,
no kidding, put it in our backyard while we were
going to listen on Facebook, and the dog ran into
(01:11:56):
our screen door and just put a little tear into
the screen door. And it was damn well, almost brand new,
like a month old. They came out and repaired the screen.
That guy was really cool too. He just came out
and on the spot replaced the whole thing. Is that
part of the normal warranty or how does that work?
I have no idea, I mean not really.
Speaker 1 (01:12:15):
I mean I kind of judge things like if people
are nice about stuff like, hey, this is what happened. Hey,
that's I appreciate that. If you want to call and
yell at me and claim some wild stuff, then you know.
Speaker 2 (01:12:26):
That screen just ripped.
Speaker 1 (01:12:28):
Yeah it just happened, you know. I mean, so that's
how I judge a lot of stuff. When people are nice,
I'll do a lot of stuff for him. Yeah that's cool,
a lot of a lot of extra stuff. That's the
way a lot of business operates. They just want to
be treated well.
Speaker 2 (01:12:42):
And anyway, I used to put out what I called
a customer behavioral guide. This was years ago, on how
to complain the proper way. Sometimes people complain about so
much that the business person doesn't know what they're coming
about specifically and what the real problem is. And it's
(01:13:05):
very important not to come out with the big guns
right off the bat, just you know, if this doesn't
get taken care of, them calling my attorney. I mean,
we've had people who approach initially problems like that.
Speaker 6 (01:13:17):
It just doesn't work. Oh yeah, and this one.
Speaker 2 (01:13:21):
And a lot of times people don't know how to
tell a story. I swear to god. I mean, they
just don't know how to tell a story.
Speaker 1 (01:13:28):
I think people are programmed to yell and scream to
get their way from the get go anymore. And that's
the thing is is I try to tell people, hey,
calm down, just tell me what's going on. You know,
I know you're upset, but this is just windows and
sometimes right, and we're going to help you. But if
you're gonna drop bombs on me and curse words and
call everybody's stuff, it's not gonna help anybody.
Speaker 5 (01:13:48):
In my retail days are my good year days. A
frustrating point would be when someone's upset and let's say
one of your guys did screw up whatever it is,
but then they don't tell you what they want. They're
breaking and you acknowledge that, yeah, we screwed up whatever
it is, but they don't say what they want, and
(01:14:09):
it's just like, well, give me a give me something.
Speaker 6 (01:14:12):
Here, help me, help me, help you. What do you want?
Speaker 2 (01:14:17):
Yeah? And sometimes, of course businesses have to have the
skill to drill down to what someone wants or maybe
diffuse the situation. But they're there, you know, because there
are very few customers that are impossible, and the impossible
ones I've always contended you can almost tell that at
(01:14:38):
the very beginning. And I think with a business, as
important as closing leads is, there should also be red
flags where you literally turn down business from some. There
are certain well, yeah, in a certain way, he'll he'll
evaluate whether he can please some if he doesn't think
(01:15:01):
he can please someone and they're crazy from the get go.
He might say, you know, we're too busy or we're
not going to be able to do this job. Nick,
do you ever find yourself ever turning down a job.
Speaker 1 (01:15:13):
Well, yeah, we talk about it in our meetings. Sometimes,
you know, sometimes it's just not a good fit. I
mean we can just tell sometimes, like you said, there's
a red flag. Some people just you know, have expectations,
or there's just certain things you feel. Sometimes it's a
gut feeling like this is not going to go well.
Speaker 6 (01:15:30):
Jay told me one time. He's a roofer Excel roofing.
He goes.
Speaker 5 (01:15:34):
We went out to do an estimate and his sales
guy called him, and the homeowner's first question or first
statement was, Hey, I had this roof done ten years
ago by another company, and after they were done, I
found a nail in my grass. Now that's impossible not
to do so and Jay basically just said, you know,
(01:15:56):
let's just not work with him. It was a big hailstorm,
so they had plenty of work. But I get it, man,
I mean there's that little thing right there.
Speaker 6 (01:16:03):
Well.
Speaker 1 (01:16:03):
I tell people all the time too, you know, if
you have another company coming in and say, hey, you're
not going to have a little bit of touch up
pain or a little bit of dust somewhere, then you're
not talking to the right guy because we're cutting holes
in your house.
Speaker 12 (01:16:14):
Yeah.
Speaker 1 (01:16:14):
Yeah, it's going to happen. Dust will settle. We try
not to have those issues, but I'm not going to
over promise that everything's going to be perfect perfect when
we're done and you don't have to lift a finger.
Speaker 6 (01:16:24):
Yeah, which would be impossible.
Speaker 1 (01:16:26):
Yeah.
Speaker 2 (01:16:27):
By the way, Gravina Windows dot com or three oh
three Gravinas. Let's let's three oh three Gravinas their number
when when Nick is.
Speaker 6 (01:16:36):
In here, I want to go back to this.
Speaker 2 (01:16:38):
Kevin got a message that Denver was looking for him,
and he called the number his mom had and the guy,
uh sounded official but basically threatened.
Speaker 6 (01:16:49):
Him with a rest.
Speaker 2 (01:16:51):
And but but I've always said, fraud means nothing, uh
unless they want money, and normally they or inform they're
either fishing for information or they want money. So Kevin,
let's get right to it. I mean, what ultimately did
this guy want?
Speaker 14 (01:17:10):
Yeah, so he said that there's going to be a
sixteen thousand dollars bail and I said, that's ridiculous. I
never got anything. If I was supposed to be out
of grand jury, i'd be there. And he said, well,
we believe you, and we're looking at and you don't
have a record, so that as long as you come in.
And I'm like, I'm I'm not paying sixteen thousand dollars
(01:17:31):
and they're like, well, he said okay, let me wait,
and then he came back on the phone. He's like, Okay,
the judges agreed to reduce it to four thousand. And
I'm like, that's ridiculous. So I just write a check
for four thousand, and he said, no, you have to
deposit it into this account. You have to go into
one of the kiosks, deposit it, and then bring that
split in and then when you sign and if it's
(01:17:54):
not if your signature doesn't match the one, then we'll
give you your back. If it does match, then we're
gonna have to hold back.
Speaker 5 (01:18:02):
I can't believe people actually would fall for what you're describing.
Speaker 6 (01:18:06):
It's so crazy. Oh, Mark, it is amazing.
Speaker 2 (01:18:10):
So hold on. So what I mean, what did you
end up.
Speaker 14 (01:18:13):
Doing seriously that I almost fell for it?
Speaker 2 (01:18:16):
Well, were you going to put the five thousand dollars
in the kiosk. Yeah.
Speaker 14 (01:18:22):
Well, then then I thought about it. I'm like, wait,
what's the judge's name? And then he told me the
judge's name, and I looked up real quick and this
is a judge out of Arizona. And then I said,
you're you're full of crap. And then I just hung
up the phone. But I mean, I.
Speaker 8 (01:18:34):
Almost fell for it.
Speaker 2 (01:18:35):
Do you think if he said at it? Why, I mean,
why wouldn't he say come down to the courthouse to
pay the money. I didn't understand. I don't understand this
kiosk mark. Do you remember they used the kiosk once
before on the show?
Speaker 5 (01:18:46):
We heard about it? Well, the eight where them are
the ones that are crazy? Those damn bitcoin ATMs people
are getting ripped off by those left and right. But
I'm curious because he said he almost fell for it.
Do you think if it was six hundred dollars compared
to four thousand, you would have done it?
Speaker 14 (01:19:07):
No, I don't think I would have done it because
I going to the kiosk. I would have questioned it.
But he kept me on the phone and he said, hey,
you need to come down to the courthouse. Now and
so then that's when I was like, okay, maybe just
like he's and if you call the number, the numbers
active and let's call it. It sounds like it's Denver
City and County. Yeah, let me give you it.
Speaker 6 (01:19:28):
Hold on, you know what, who's hold on? Who's on
the board?
Speaker 2 (01:19:35):
Dragon? Okay, your Dragon's not gonna let us call even
though it's a fraud and the guy will never complain
to the FAA ever in a million at the FCC
ever in a million years. I've called fraudsters for fifty
years on the air, but apparently we can't do it
with Dragon's.
Speaker 6 (01:19:53):
On there on the board. No, it's dragging, it's Dragon.
Speaker 1 (01:19:58):
Here's what I don't understand.
Speaker 2 (01:19:59):
I loved you.
Speaker 1 (01:20:00):
Is this guy gonna love.
Speaker 2 (01:20:01):
And it's his ass? It's Dragon's ass, So I don't
blame him for holding the tightrope. There go ahead, Dragon, Sorry,
I appreciate that.
Speaker 1 (01:20:10):
How is this guy gonna get money? If he's going
to a Kioska? What's the guy on the phone's ultimate end?
Speaker 5 (01:20:17):
He deposits it basically into an ATM, a Kiosk, into
whatever account he gets in a certain account.
Speaker 1 (01:20:24):
The dray guy has his own account in a kiosk somewhere.
Speaker 5 (01:20:28):
Where people going and just put and it's probably a
bitcoin atm Okay.
Speaker 2 (01:20:31):
No, no, no, let me let me explain this to Dragon.
Dragon right now. You can make deposits into other people's accounts.
The kiosk is only a retainer for the money, but
the account is electronically credited.
Speaker 6 (01:20:45):
That's how they do it.
Speaker 2 (01:20:49):
So you can deposit into someone's account using certain kiosks
if the banks allow it. It's it's really crazy. And
in fact, they have bitcoins now you can do.
Speaker 6 (01:21:00):
Those are the worst by far.
Speaker 5 (01:21:02):
We had that one poor old guy at the liquor
store twenty five thousand dollars.
Speaker 2 (01:21:06):
Yes, you can walk up to the heed her twenty
five brand into it. Think about that dragon, he put
twenty five grand in there. Well he thought he was
buying bitcoin.
Speaker 1 (01:21:21):
That's insane.
Speaker 2 (01:21:21):
It's crazy, all right now. So this guy almost fell
for putting four grand into this. Well, thank god he didn't. Okay,
so I want to call that mark. Why don't you
just call it right there in the studio. We can
hear your end of that. I say, I will call it. Yeah,
(01:21:44):
you call it on your end, and let's just hear
your end of the conversation, we can figure out what
they're saying.
Speaker 5 (01:21:49):
The best one I have ever heard. Tom, You'll remember this.
The guy was going to get his power turned off
by Excel if he didn't pay a certain amount.
Speaker 6 (01:21:59):
So he gets that message. You call up the number.
Speaker 5 (01:22:03):
They literally took the entire Excel phone tree and copied it.
It was one hundred percent phony baloney, but they spent
all the time to go on there, just like you
were calling Excel.
Speaker 6 (01:22:16):
It was unbelievable.
Speaker 2 (01:22:19):
And at first when we called we thought, wait a minute,
this might be real. We were like, oh my god,
this is Excel.
Speaker 6 (01:22:28):
Hold on, it said dial this or dial that.
Speaker 2 (01:22:30):
Yeah, okay, we got 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 you're content.
Time for an insurance check up free, no obligation. In comparison,
(01:22:52):
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 I 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. I'm
(01:23:13):
Tom Martino, your troubleshooter Mark Major. Back at the studio
with Nick. We have a text for Nick on windows,
and Nick, they want to know does the triple pain
make that much difference over a good double pain window.
It can.
Speaker 1 (01:23:34):
There's a lot of makeups so you can do in
each glass. So I mean, yes, you can get a
great double pain, but you can also get a really
good triple pain. We actually just got a vacuum glass
in which I'm very very excited about. Why can you
explain what that is? Vacuum glass? It's it is amazing.
It's it's the ig itself has like almost zero space
(01:23:55):
between the glass I'm going to say, like the thickness
of a paper, and it's got these little pillars in it,
but they suck all the dead air out of it,
and so the U values of these are just you know,
it's like space.
Speaker 6 (01:24:09):
There's there's insulated wall.
Speaker 2 (01:24:11):
It's so the insulated glass unit is actually a vacuum inside.
Speaker 1 (01:24:16):
Yeah, so there's a port, there's a hole that you'll see,
you know, at the top. But it's it's crazy. It's thin.
The overall thing is totally like three eighths and again
there's you can barely tell there's a space between it,
but they suck all the air out. They still put lowly,
but the the u values of these are just absolutely
incredible that using it in Europe right.
Speaker 2 (01:24:36):
Now, it's better than most double or triple pains.
Speaker 1 (01:24:38):
And it is a double pain, but it's it's got
numbers better than triple pain. I mean, it's got better
numbers than anything right now. I mean, it is absolutely crazy.
Speaker 2 (01:24:46):
And is it all because of the vacuum Yep, that's crazy.
How do those seals hold up for vacuums?
Speaker 1 (01:24:53):
Well suppose, well, again it's it's newer, but supposedly, well.
Speaker 6 (01:24:57):
Can you reaccess that port or no one it's done?
Speaker 1 (01:25:00):
You probably can't. So they have these pillars in there
because they have to be able to support it, otherwise
they would touch. So they have these little stints in there.
Speaker 6 (01:25:08):
That's weird.
Speaker 1 (01:25:09):
You can barely see them right so about every like
two three inches. But you can see through it fine, yep, yep,
I mean once you see it, you'll see it, yeah,
but not really. But if it fails all those go
and they drop. God that sounds and oh cool. And
it's always tempered glass on top of it all, which
is really cool. So you're kind of getting tempered, you know,
glass for free on top of it all.
Speaker 5 (01:25:28):
Tom, you know what I like about these guys better
than most window companies.
Speaker 2 (01:25:33):
Yes, they got it's crazy. What is it?
Speaker 5 (01:25:36):
Twenty thirty manufacturers, fifty sixty lines of windows. Usually when
you call up one of those people on TV, it's
one they have one windows, absolutely.
Speaker 1 (01:25:45):
Absolutely, But yes, triple pain can be done very well.
It just I try to see what the makeup of
the house is. What are they really trying to accomplish.
Is it keeping the heat and the cool in, keeping
the heat and the cold out? You know, how's the landscape?
I mean I take a lot of that stuff in
consideration and not just yes it's better, Yes it's better,
you know, on the number wise, but sometimes a double
(01:26:07):
pain can be just fine too. It just you know,
there's a lot of makeups of that.
Speaker 6 (01:26:11):
Oh that's cool, man, I'm telling you.
Speaker 2 (01:26:13):
I love when people know their products and they are
always getting new products in like this vacuum seal.
Speaker 6 (01:26:20):
I was just reading about it.
Speaker 2 (01:26:22):
Apparently vacuum even works better at the high altitudes too.
Speaker 1 (01:26:26):
Yeah, because in the sealed you don't have to there's
no pressure because it's it's reversed exactly, you know, like
a magnetically expands. This is sucked in against those pillars.
So you take it up to the hills, it isn't
going anywhere.
Speaker 2 (01:26:39):
Yep. Okay, So let's mark, did you call that number
for the grand jury?
Speaker 14 (01:26:45):
Yeah?
Speaker 6 (01:26:45):
It was no good Kelly, did you try it to disconnected?
Speaker 2 (01:26:48):
I did.
Speaker 6 (01:26:49):
Yeah, it's gone, it's over.
Speaker 2 (01:26:51):
Yeah, they were just hoping to get so well, just Kevin,
it's a good thing you didn't fall for it. Thank
you for warning us. Walter, what's going on with you?
Speaker 6 (01:27:00):
Walter? What's happening?
Speaker 2 (01:27:04):
Man? Walter? Walter's listening to a delay and we're going
to have a problem getting him on I think let's
is he on there? Let's try it again, Walter Walter
Walter calling all Yeah, well.
Speaker 5 (01:27:27):
Yeah, he's he's listening into like the longest delay ever.
Speaker 6 (01:27:30):
That might probably it could.
Speaker 2 (01:27:32):
Be it could, honest the goodness, Okay, so let's just
put him on hold and then try to talk to him. Kelly,
if you can get his attention and we will talk
to him three oh three seven one, three eight two
five five. Let me go some text messages here on
French stores.
Speaker 6 (01:27:53):
Do they seal better than sliders?
Speaker 2 (01:27:55):
And can you replace a French door where there was
a slider?
Speaker 1 (01:28:01):
So number one, I would say that a sliding door
is going to seal better than a French door.
Speaker 6 (01:28:06):
Really yep?
Speaker 1 (01:28:07):
Really, huh knowlan they slide next to each other. Where
a sliding door like in marks, you know, they pocket
you know, so they're more secure. French doors, to me,
are actually one of the worst security doors out there.
Speaker 2 (01:28:21):
You know, when the by French doors, I thought they
meant doors that swing open like regular doors. They swing open,
but they Yeah, but they have a center strip.
Speaker 1 (01:28:29):
Right, Yeah, there's an astrakle, but you can push on those.
Speaker 6 (01:28:33):
Really, dog can open the one going into.
Speaker 1 (01:28:35):
Our bedroom, right, But you know, the sliding doors seal
way better than the French doors do.
Speaker 5 (01:28:40):
Here's the other thing too, I would think about when
you came out one of the you showed us different
kinds of sliding doors, and what I never thought of before, Tom,
some has a big viewing area. In other words, the
molding around the glass is nowhere as big as some
of the other models.
Speaker 2 (01:28:58):
So depending on what kind of view you have out back.
Speaker 5 (01:29:01):
I mean, if you're looking at a six foot fence,
who could care less. But if you've got a beautiful
view of trees or a barn or whatever you're looking at,
you probably want the most glass. You know what I'm saying.
In a front door, it's gonna really suck, right. French
doors usually have a bigger rail, they have French rail.
Sliding doors we have you know, thin rail modern doors,
so max glass, maximal viewing, yep. But yes, we can
(01:29:24):
convert any French door to a sliding door, and we
convert sliding doors to French doors either way. But yes,
I do think that sliding doors absolutely are more efficient
and more secure. Quick is there entry doors like our
entry door that are all glass? Have you guys ever
seen a glass entry door not just opens one direction
(01:29:44):
like a normal front door, but made out of glass,
almost like you might see in a strip mall or something.
Speaker 1 (01:29:50):
Not really, I mean they're starting to come out with
thinner rail ones now too. You're gonna have some type
of frame just because it's a residential versus commercial, got it.
But even on commercial, well, there's usually some type of
small aluminum frame. People don't want aluminum frames usually in
you know, your main residence.
Speaker 2 (01:30:08):
Hey, let's talk to oh, let's see this one text
can you put in? Let me do this first before
we go to the phone. Can you They want to
know if you can put in an auto opener for handicapped,
like have you ever done that.
Speaker 1 (01:30:24):
For a door or window?
Speaker 2 (01:30:26):
Or they a door where they press that with their hand,
they press that, you know, that square and it opens
the door.
Speaker 1 (01:30:34):
Now, we have certain windows and doors that do have
automations to them. They're usually more of like a remote thing,
not kind of like you see going into you know,
King Soupers or seven to eleven. But yes, we do
have some products that do have automation features that do
have to be hooked up to electrical But yes, we
do have similar stuff.
Speaker 2 (01:30:56):
Okay, and if and if that won't help you, text
or they're also some there's some stores that do actual
mobility and accessories and and you know for disabled people.
So you may have to do a combination. Sometimes you
may want to buy a door somewhere but have it
automated somewhere else. But you can check with Nick. He's
(01:31:17):
a wealth of information at h and it's and it's
your number really spells gravina, right, three h three gravinas.
Speaker 1 (01:31:25):
Yeah, call and text at three or three gravina.
Speaker 2 (01:31:28):
It's pretty that's pretty cool, three oh three Gravina. Okay,
So is Walter back? Okay, Walter, go ahead. You had
a question about LifeLock. God, yes, sir, Yeah, I'm here,
Yes sir. What's your question? Walter?
Speaker 17 (01:31:43):
Well, I've seen his ads on TV about LifeLock and homelock,
and yes, are these cameras getting away with all this stuff?
Speaker 6 (01:31:51):
Okay?
Speaker 2 (01:31:51):
First of all, no one steals your house, Okay, they
what they do is they? It is true. It is
absolutely true that someone can forge a quit claim deed
to your house that shows you sending your house to
someone else.
Speaker 6 (01:32:10):
However, if you have a.
Speaker 2 (01:32:12):
Mortgage in your name and you are in the house,
a quit claim deed simply says the house now belongs
to someone else. But it's not proof of ownership. It's
not pure ownership. They cannot do a general warranty deed.
They cannot do alone. All they're doing are quit claim deeds. Now,
(01:32:36):
LifeLock or homelock would have you believe that there are
people out there everyday stealing houses and they're not okay.
There are people who get taken advantage of sometimes that
are older that might sign their home over to somebody.
Speaker 6 (01:32:53):
We've had that happen.
Speaker 2 (01:32:54):
But as far as going to the courthouse and filing
a quit claim deed, there absolutely right people can do it,
but the chances of them actually getting your house are
nil because they have to have certain proof and evidence
in addition to the quit claim deed. They can't just
(01:33:14):
file a quit claim deed and say you gave your
house to them. And also more and one other thing
they say is they'll notify you whenever something is filed
against your house. Well, that's a that's not a bad service.
Speaker 6 (01:33:33):
That's what you can get that. Yeah, that's that, You're right, Mark.
That's all they do.
Speaker 2 (01:33:39):
They let you know when something's been filed against your house.
But did you know that many counties are offering that
now free of charge. All you have to do is
give them an email addresser or an address and any
time something is filed against you, they will let you know.
You know what, so many counties are starting to do
that free.
Speaker 5 (01:34:00):
What's curious is I literally just typed in grac has
LifeLock ever saved.
Speaker 6 (01:34:06):
Someone from losing their house?
Speaker 2 (01:34:08):
You know what.
Speaker 5 (01:34:09):
It came back and said, no, LifeLock has never saved
a home from being taken because it's just a monitoring service.
It can't prevent a title fraud from a curry.
Speaker 2 (01:34:22):
See. That's what I've But what they make it sound
like someone's gonna knock at your door and say leave,
we've stolen your house. And it just look at in
my opinion, I wouldn't buy the service. Okay, I just
wouldn't do it. There's no reason to What was your
other No one's gonna take it was about LifeLock. That's
(01:34:46):
about your your name and all of that. Look, a
credit freeze will protect your identity from being used in
fraud credit freezes. I mean, I don't know what to
tell you these service say is I'm not telling you
they don't do anything, but you don't need them with
just normal monitoring and normal common sense.
Speaker 6 (01:35:08):
We have more coming up.
Speaker 2 (01:35:14):
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 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
(01:35:36):
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 three O three seven one three eight two
five five. Jay has a follow up with Excel atn't.
(01:35:58):
I'm not sure what this is working with Opera? Are
you there, Chopper? Yes, sir, I am What's going on
with Jay?
Speaker 6 (01:36:04):
When did this call come in?
Speaker 20 (01:36:06):
It came in about ten days ago? He had two
houses and he was getting bills.
Speaker 2 (01:36:14):
Oh, I remember he transferred his a count, He transferred
his account from his ex wife to his name, and
then sold the house. He moved into another one, and
he was paying on two houses.
Speaker 6 (01:36:26):
That's correct.
Speaker 20 (01:36:26):
Everything looked like a big bull of spaghetti to me.
Speaker 6 (01:36:30):
So I reached out.
Speaker 20 (01:36:31):
To Sue, who gave me a name or she took
care of it through an angel, and I think Jacin
talked with the rest.
Speaker 2 (01:36:38):
So Jay, what's going on? You were paying on the
old house by mistake and Excel says, oh, seven hundred bucks.
Speaker 6 (01:36:45):
Now, what's going on?
Speaker 2 (01:36:47):
Jay?
Speaker 20 (01:36:47):
I guess dropped off, but everything got taken care of.
He's happy, everything's paid up, and he's away from his
ex wife again.
Speaker 2 (01:36:55):
On the bills. Time for the dinger. Yes, Sue deserves
half that diinger.
Speaker 6 (01:37:03):
Okay, half the dinger there I did. Hey, that was good.
Speaker 2 (01:37:07):
Half the dinger listen, yeah, okay, so and then half
to you.
Speaker 6 (01:37:14):
All right anyway?
Speaker 2 (01:37:15):
Three oh three?
Speaker 6 (01:37:16):
I love playing with my dinger. What can I tell you?
Speaker 2 (01:37:18):
Three o three seven one three eight two five five?
Speaker 1 (01:37:22):
Uh?
Speaker 6 (01:37:22):
Jay's uh that is he back?
Speaker 2 (01:37:26):
Jay? Are you there?
Speaker 12 (01:37:28):
I am?
Speaker 2 (01:37:29):
What happened? What finally happened? Bro?
Speaker 21 (01:37:33):
Well, you know I was dealing with a gentleman by
her name is John.
Speaker 14 (01:37:38):
Krantz with excel. Yeah, and uh he.
Speaker 21 (01:37:44):
Fixed everything it would seem and said, okay, it's okay
to uh go ahead and then uh move the money
and everything everything it looks good. It's it's taken care of.
And so uh I did that, and that's where we
discovered a big part of the problem, which was on me. Basically,
(01:38:08):
what happened was is that my wife had our ex
wife had her account under one email.
Speaker 2 (01:38:18):
I had mine.
Speaker 21 (01:38:20):
Under another, which normally would be appropriate. But when I
went to move the money, you know, I have an
automatic log.
Speaker 8 (01:38:30):
In with my computer and just logged right in.
Speaker 13 (01:38:33):
On that and it.
Speaker 11 (01:38:35):
Took me to her account.
Speaker 21 (01:38:37):
So this whole thing was a confusion of the accounts
and that once we realized that, then it was an
easy fix. The only problem was is that we had
to go through that and I had to put in
her email address right accidentally. Yeah, and then the money wait,
(01:39:00):
you know, it showed a nine dollars credit again on
her account.
Speaker 2 (01:39:05):
And it was so you got you got transferred, you
got transferred over the money to your account as it
should have been the credit. Yes, okay, well that's cool.
Thank you very much, Jay for letting us know that
a lot of people don't let us know that things
are done.
Speaker 6 (01:39:23):
And uh, we appreciate it.
Speaker 2 (01:39:24):
Three zero three seven one three talk seven one three
eight two five five. I like that.
Speaker 6 (01:39:33):
Thank you, Thank you. Do you have to take that
away from the involvement.
Speaker 2 (01:39:38):
I know I got too much going on here anyway,
As long as I have my dinger, I'm happy, That's
what I say. Okay, so we have something about special
shaped I believe.
Speaker 6 (01:39:54):
I'll have what she's having.
Speaker 2 (01:39:55):
Okay, anyway, the special shaped fixed light of fixed window
an octagon? Do you do special custom shapes that you
can have done? Oh?
Speaker 1 (01:40:07):
Yeah, anything you want really pretty much? Yeah, okay, octagons
are easy we do. We do ventilating octagons if you want.
What is ventilating octagon? So if you take a stop sign,
but you know it'll crank out like an awning window
where the bottom would crank out if you really want
to cool.
Speaker 2 (01:40:26):
Yeah, that's really cool because you know, I've seen those
octagon or those architectural fixed lights. They are different shapes.
Some of them are a big half moon lane laying
on the side, you know, and or they look like
a crescent. Others are octagons. What's the weirdo shape you've
you've done? Oh?
Speaker 1 (01:40:47):
You know, like the cathedral style where it's like at
the point at the top and then it kind of
occurs as multiple radii going down.
Speaker 5 (01:40:53):
Oh really, yeah, we call them cathedrals. How about shower doors?
Do you guys do those?
Speaker 1 (01:40:58):
No, we don't do anything on the interior. Nothing. Everything
is exterior, got it?
Speaker 2 (01:41:04):
Okay? And those fixed lights, they can come in double
or triple the same as regular ones, right.
Speaker 1 (01:41:10):
A little bit more parameters for a triple on that.
So I mean if you have a big, you know,
half circle, that may not be made in triple depending
on the.
Speaker 6 (01:41:19):
Size, but you should be able to get double.
Speaker 1 (01:41:21):
Yeah, and we've made some really big you know, eyebrows,
you know, half rounds, octagons, trapezoids, pentagons, name it upside down, trapezoids,
whatever you want.
Speaker 2 (01:41:33):
Okay, we got more coming up on the Troubleshooter Show
three oh three, seven to one three talk. Dan McKenzie
can do wills, trusts. He can keep you out of
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(01:41:57):
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with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
(01:42:18):
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 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 6 (01:42:41):
All right, let's go to COSAK.
Speaker 2 (01:42:44):
I believe it's Cosak and has a question on car insurance.
Speaker 6 (01:42:47):
Hello, Cosak, what's happening?
Speaker 9 (01:42:50):
Yeah, my grandson bought a car down here in the
Springs and I think they pushed on him the uh
gap insurance and right reinsurance. What's your thoughts on that?
Speaker 2 (01:43:04):
My thoughts are, well, what do you mean recovery insurance?
Speaker 6 (01:43:08):
What does that mean?
Speaker 9 (01:43:11):
From what I understand is like if the car got stolen,
they help recover it.
Speaker 2 (01:43:17):
Now, that's a bunch of craft. That's a bunch of craft.
First of all, cancel it. And if you want to
get GAP insurance, you can always do better going through
your regular insurance agent.
Speaker 6 (01:43:29):
It's almost never it almost.
Speaker 2 (01:43:32):
Never pays to buy it from the people who sell
it at the dealership. Do not buy GAP insurance there.
Just ask your regular insurance carrier you want to add
GAP to your regular policy. It'll be much cheaper and
more comprehensive.
Speaker 9 (01:43:50):
Okay, And what's your thoughts on the recovery is that
cancel it is that.
Speaker 2 (01:43:58):
You don't need it. I don't even know what recovery
insurance is. I mean you have insurance for theft. When
you're insured. It's just an added profit center for the dealer.
If you'd like to hang on, we'll talk more about
it and I'll get my insurance expert on as far
as recovery insurance. But it's really just a marketing ploy
(01:44:18):
by dealers to sell more stuff to you. I'm Tom Martine.
We have more coming up on the Troubleshooter shows. Stick
around for an hour of fun and entertainment as well.
Go with a sure thing Denver's Best Roofer Excelroofing dot com.
You don't pay a cent until you're content. Time for
(01:44:39):
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. Y'all ripped up.
Speaker 1 (01:45:09):
So you don't have.
Speaker 12 (01:45:12):
Come running.
Speaker 2 (01:45:13):
Just as fast as we can.
Speaker 4 (01:45:15):
Shooter's gonna help come.
Speaker 2 (01:45:19):
Dick. Is the Troubleshooter Show Now, Tom Martine, Hey, I'm
Tom Martino.
Speaker 6 (01:45:25):
Welcome to the show.
Speaker 2 (01:45:26):
Three oh three seven one three talk seven one three
eight two five five. I'm at Casa Studio Cassa Mi,
Casa Studio Major, Mark Major, at the mothership. Mark.
Speaker 6 (01:45:39):
What's happening? What do you got? What's happening?
Speaker 5 (01:45:42):
Well, I'll tell you what we got. We got to
figure out what this insurances at. This guy bought what
did he call it? Again, I'm gonna.
Speaker 2 (01:45:50):
He called it? He called it recovery insurance. Now here's
what I know that the dealers do sell you, Okay,
when you go into f ANDI, which should be called
bend over in never mind anyway, So the FNI department
financing as insurance. Their idea is to drum up profits.
(01:46:11):
They sell you all kinds of stuff. Now here are
some of the things I've seen in the past. They
etch the wind shield and they claim that's going to
help you with theft. Recovery and all of that. Why
people care, I don't know you have insurance for that?
Speaker 6 (01:46:26):
But they etch the wind shield.
Speaker 2 (01:46:28):
And then another one says, then they have something called.
Speaker 6 (01:46:33):
This recovery insurance.
Speaker 2 (01:46:35):
And I asked, basically AI, what recovery insurance is, and
they say, there are many different kinds of recovery insurance.
That one is recovery if your vehicle breaks down or
you're stranded somewhere, it recovers the car and brings it
back to your dealer or to a repair facility. Another
(01:46:56):
one is theft recovery. They use aps tracking and a
recovery guarantee, meaning that your car will be guaranteed to
be found within a certain amount of time. Who cares?
You have insurance? And then they have gap insurance. Of
course they sell. Gap insurance is one of the worst
(01:47:19):
deals you can buy at a car dealer if you're
buying insurance anyway. And people and Credit Life is another
stupid stupid coverage. Credit Life It's stupid, Okay, it's a
diminishing insurance policy on the balance of the loan, so
as the loan goes down, the insurance goes down. But
you pay the same for this insurance, and it supposedly
(01:47:39):
makes payments when you're incapacitated. It's bad. Instead of buying
gap insurance, you should put that money away for your
gap are not gap insurance.
Speaker 6 (01:47:49):
Credit Life you should.
Speaker 2 (01:47:50):
Put the premium away instead of paying for Credit Life
at a dealer and have it for when you have
to miss a payment or two. But the point is
insurances are always better purchased at insurance brokers, not at dealers.
Car dealers will never ever ever have a good a
good deal on insurance no matter what it is, whether
(01:48:12):
it's for car, whether it's for theft, whether it's for recovery,
whether it's.
Speaker 6 (01:48:16):
For a gap. Always buy it at.
Speaker 2 (01:48:20):
The insurance broker. You'll get a better deal. The same
with the same with windshield protection. Windshield protection they sell you, you
know as an insurance. You know you get guaranteed windshield
replacements or this or that or no deductibles. You can
do that, by the way, with regular insurance you can
(01:48:43):
do a ten dollars deductible or zero deductible on glass.
You'll always find better insurance at an insurance broker. So
we got Riley on who's Brian Burns' son? Riley? How
are you at Compass Insurance? Are you there, sir? Hey? Tom?
How's it going? Can you hear me?
Speaker 3 (01:48:59):
All right?
Speaker 2 (01:49:00):
Yes? I can, Riley, righty. What I want to know
is have you ever heard of something dealers are starting
to offer called recovery insurance?
Speaker 8 (01:49:10):
Recovery insurance?
Speaker 2 (01:49:11):
You know?
Speaker 22 (01:49:11):
It sounds like one of those endorsements that's on an
auto policy that is carrier specific. Now they generally have
a bunch of different names for the same coverage. So
we need to look at the policy to see you.
Speaker 2 (01:49:22):
Yeah, because I don't know what it is? A cosak
what did they.
Speaker 6 (01:49:25):
Say it is? Are you there?
Speaker 12 (01:49:31):
Patient on it? As far as yeah, I'm here.
Speaker 2 (01:49:34):
Go ahead, no paperwork.
Speaker 12 (01:49:38):
So that's why I'm calling you to see what you
thought about it, and then I'll try and get my
grandson to go back to the deal and get some
information or canceled if he can, well.
Speaker 2 (01:49:48):
Not if he can. If you buy something, you can
go back and cancel it if it's insurance, I mean,
they're not allowed to charge you for insurance that's non cancelable.
What I want to know is this though, how much
did he hey for this recovery insurance?
Speaker 12 (01:50:03):
I think was about six hundred dollars.
Speaker 2 (01:50:05):
And it's for the life of the car, for the
four years of the loan. Three years of loan? How
long is it four? Then?
Speaker 11 (01:50:13):
I don't know.
Speaker 12 (01:50:14):
I'll have to get some more information and call you
back on that.
Speaker 2 (01:50:17):
So what about did they did they also sell them
Credit Life? No?
Speaker 6 (01:50:25):
Did they sell them windshield etching?
Speaker 2 (01:50:27):
You know, I'll bet you if I looked at that deal,
I'll find it packed with all kinds of garbage.
Speaker 6 (01:50:33):
You ought to send us a copy of the deal.
Speaker 2 (01:50:35):
Do you know? One time I knew a kid who
went in and bought a vehicle and made a good
deal on a vehicle for fifty grand, and he ended
up spending another twelve thousand dollars with dealer add ons
in the f ANDI department. Twelve thousand dollars with credit
Life and and all kinds of insurance and win sh
(01:51:00):
shield etching and windshield coverage. Now nitrogen, what's that mark?
Speaker 5 (01:51:06):
Nitrogen entires, fabric protection, tire protection, every bit of mop
and glow you can imagine.
Speaker 6 (01:51:13):
They say, say, you know what, here's what I'm saying.
Speaker 2 (01:51:16):
If you want any add ons, never add them on
at the dealer. You're going to pay out the nose,
and it's not worth it. Buy the car and leave
with the car. You don't buy insurance from a car dealer.
You just don't do it. They are not competitive, but
when they have you there, they know you're not going
(01:51:37):
to shop around because you're sitting there. For example, Riley,
how much more would it cost you to get windshield
coverage at let's say a zero deductible or a ten
dollars deductible gosh, or even reduction.
Speaker 22 (01:51:52):
I would say that the biggest difference is that your
car has sensors in the windshield. A lot of new
cars have those automatic grains or heads of display.
Speaker 18 (01:52:02):
Whenever you have a car.
Speaker 22 (01:52:03):
That has those sensors, you can see two hundred dollars
If it doesn't, I mean, fifty dollars is not uncommon.
Speaker 6 (01:52:09):
Are you talking about deductibles?
Speaker 22 (01:52:11):
No premium for the year deductibles either?
Speaker 17 (01:52:14):
Oh?
Speaker 2 (01:52:14):
Oh, premium for the year. Okay, I see what you're saying.
Anywhere from fifty to two hundred dollars a year and
you get windshield coverage.
Speaker 6 (01:52:22):
Okay, I understand that.
Speaker 2 (01:52:25):
Now, what about do regular insurance companies sell wheel protection?
Because that's something that is not a terrible idea for
most people, especially me. Do your insurance policies have separate
wheel protection or is that just regular collision coverage?
Speaker 22 (01:52:45):
That would be regular collision depending on what damaged it.
I mean, if it's something where the vehicle's not moving,
that would obviously be comprehensive coverage.
Speaker 6 (01:52:54):
But I'm not.
Speaker 22 (01:52:55):
Familiar with any endorsement that are okay, so boring protection.
Speaker 2 (01:52:59):
So I will say, if you're buying a luxury car, Kosak,
wheel protection is something I can't throw stones at. I'm
telling you, they offered it to me, and I thought
they were joking. Then I've since when I'm at a
parking lot or I'm looking at cars, always look down
at the wheels and they're almost always scuffed or scarred
(01:53:20):
or cracked or whatever from scuffing up against curbs. Maybe
I'm the only one who notices it because I do it.
And wheel protection on my wife's car, We've must have
paid for that protection five times over, I swear to God.
With how many times she gets her wheels repaired and polished,
I think we've paid for that five times over.
Speaker 6 (01:53:43):
Wheel protection.
Speaker 2 (01:53:44):
There's another one I would buy if I liked the dealer,
I would not mind buying pre paid service. What that
means is this, you have services like oil oil changes,
you have like a thirty thousand mile check, or you
have a twenty four thousand mile check or whatever the
service interval. If you buy a prepaid service package, you
(01:54:08):
get it cheaper. And the reason the dealer does it
is to make sure you come back. They like to
have you as a customer. So those are not bad deals.
Usually to buy a prepackaged and prepaid service visit. But
I wouldn't buy anything else from the dealer, like credit
life or recovery insurance or gap insurance for example, Riley
(01:54:33):
gap insurance at a.
Speaker 6 (01:54:34):
Dealer they charge a few hundred bucks a year.
Speaker 2 (01:54:37):
What does gap insurance cost at if you're going to
add it on your regular policy?
Speaker 22 (01:54:44):
About you know, same thing as the windshield. It depends
on the vehicle value, just like everything insurance, but you
could estimate anywhere from fifty bucks to one hundred and
fifty depending on the value.
Speaker 5 (01:54:56):
And Gap insurance guys, I literally had someone at a
wrap a Ohondai, I'll say it, they tried to sell
me gap insurance on a cash deal.
Speaker 6 (01:55:04):
If you can believe that crap.
Speaker 2 (01:55:07):
What the hell Oh my god. I think you're just
so used to it.
Speaker 5 (01:55:12):
You go into aff an eye and they're supposed to
ask every question. I'm looking at the guy like did
you really say that? And then of course he was like, ohh.
Speaker 2 (01:55:19):
Yeah, okay. In any case, thank you Riley from Compass
Insurance Group. Remember Compass does the free insurance checkups where
they check to see that you're not underinsured or maybe overinsured,
you're not paying too much, you're paying the right price.
It's a free check at three zero three nine nine
six nine thousand more coming right up. Go with a
(01:55:45):
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 much your coverage at dozens of insurance
companies find out Now three oh three seven seven one help.
You'll think you're his only customer when you choose Frank
(01:56:08):
durand the Real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Go with a sure Thing Denver's Best
Roofer Excel Roofing dot com. You don't pay a cent
until you're content. Wait time for an insurance checkup free,
no obligation comparison call Compass Insurance paying too much your
(01:56:30):
coverage at dozens of insurance companies find out now three
oh three seven seven 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
(01:56:51):
Tom Martino here at three O three seven one three
talks seven one three A two five five. Let's talk
to Jennifer. I'm not sure what she wants to talk about. Jennifer,
is she up yet? Okay? An issue with an apartment? Hi, Jennifer,
what's going on?
Speaker 12 (01:57:08):
Hi?
Speaker 2 (01:57:09):
Me Tom?
Speaker 13 (01:57:10):
Hey, thank you for taking my call.
Speaker 2 (01:57:13):
What's going on?
Speaker 7 (01:57:15):
Well?
Speaker 13 (01:57:16):
I am a renter with an impeccable history. You have
excellent clinic, and I got into this apartment about eleven
months ago, and there was recent flooding due to an
appliance that I had in the apartment that broke, not
(01:57:38):
by my misuse or anything. The thing all functioned well.
Speaker 2 (01:57:43):
Well, what is it that broke?
Speaker 13 (01:57:46):
It was an appliance that I was attached to my
laundry machine that well, what is it? Okay?
Speaker 2 (01:57:55):
And is this okay? Is this your appliance or was
it supplied by the by the landlord? It's my appliance, Okay,
You're going to be responsible for.
Speaker 13 (01:58:06):
It, yes, So that's what she said. So the first
three days she told me I was going to have
to pay for everything, and she tried to push me
to sign a contractor to do work on the building,
which I told her I wasn't.
Speaker 2 (01:58:27):
Do you have renter's insurance, Jennifer, I don't. Okay, this
is really a bad thing. This could be bad. If
a lot of water flooded and got into the ceiling
of the below apartment, You're going to be responsible for
a lot of stuff here. And this could be serious
because there's no way that you're going to get out
(01:58:48):
of it if you're if an appliance you brought into
the house, and I know what they are, they're the
ozone filters and you had to detached so you could
make ozonated water. But here's the deal. If it flooded,
you're responsible for one of the damages.
Speaker 13 (01:59:06):
Okay, Well you know I'm I'm a grown up, and
I'm I'm willing to take responsibility for what is blind
sure thing that The thing that is a concern for
me is yeah, the way that she's been handling situation
(01:59:27):
and code issues. I've been trying to get a hold
of a cold enforcement officer for the past week and
can't seem to get.
Speaker 2 (01:59:39):
Why is that, Jennifer, What what does this have to
do with you? The code officer, tell me, tell me
what you're thinking.
Speaker 13 (01:59:46):
So they found asbestos, and there's also god, oh god,
she wanted me to handle the whole thing under the table,
and that's why she tried to get me to sign
the contractor.
Speaker 2 (01:59:58):
On what do you mean under what does that mean
under the table? What you handle it under the table?
Speaker 13 (02:00:04):
She wasn't calling the owner's insurance. She told me that
I was okay to hire the contractors to do.
Speaker 2 (02:00:12):
All Jennifer, if they call, if they call insurance, here's
what's gonna happen. I'm gonna I'm gonna give you the
worst case scenario. The insurance company will spare not one penny,
not one penny to fix everything, to get a to
get an asbestos remediation company out there, to get a
mold remediation company out there, and then they will subrogate
(02:00:37):
against you. The insurance will step right in and fix everything,
but then they're gonna come after you. Now, Jennifer, I
want you to sit tight, because the asbestos remediation alone
on a small construction project can run fifty thousand dollars.
I don't know if you realize the extent of damage
(02:01:00):
as you could have walked into right now.
Speaker 13 (02:01:05):
But I don't see how the asbestos and all that
would be my responsibility.
Speaker 2 (02:01:13):
Is because you disturbed it. Because of you, it's being disturbed.
Here's what I mean. Asbestos left alone can be left
alone and there's no requirement for them to do anything
with it. But once it's disturbed, you then have to
remediate it the proper way. You have to mitigate loss.
(02:01:33):
You have to remediate. You got to fix it back
without the asbestos because it was disturbed. And here's the thing,
it was your incident that caused it to be disturbed.
Speaker 6 (02:01:46):
Jennifer. You may need to get an attorney that.
Speaker 13 (02:01:49):
I understand that, but I was it was an accident
like the machine.
Speaker 2 (02:01:53):
Malfunctioned, Jennifer. Jennifer, you need now now, their insurance company
is going to come after you, but they may come
after the maker of that machine as well. But the
fact that it's an accident is why you have insurance.
That's why you should have had Renters insurance. But you're
(02:02:15):
responsible for accidents. That's why we have insurance on our cars,
even if it's an accident. If it's icy outside and
you're driving as carefully as possible, if you cause an accident,
it's your fault. Jennifer, I don't know what you were
hoping to tell us, but this apartment complex, it could
(02:02:36):
actually be worse if they call the insurance company, it
could actually be worse for you.
Speaker 13 (02:02:44):
Right, Okay, well.
Speaker 2 (02:02:49):
Do you have I'm asking you something. I'm going to
ask you something, and I don't mean to frighten you.
If you don't own a lot of stuff and don't
have a lot of money in the bank or anything,
you might want to consider a bankruptcy because this is
going to be a lot of money. How much of
an area was flooded. It was.
Speaker 13 (02:03:14):
My laundry room and some of the carpet in my room.
Everything else is dry. And then it got a couple
of garages, so they tore some drywall down and put
the drywall back up.
Speaker 2 (02:03:28):
Okay, do you know did you ask the contractor or
anyone how much this is going to be?
Speaker 13 (02:03:37):
I just kept telling me it was going to cost
me a lot.
Speaker 2 (02:03:41):
It is. It is going to cost you a lot, Jennifer.
And I don't see if you had a laundry room,
a couple of garages, asbestos and mold. I don't see
you getting out of it for under fifty grand at all.
I mean, I think it's I think it's going to
be more Mark. What do you think, like seventy five
thousand or so?
Speaker 5 (02:04:02):
I would say easily, but I wouldn't. I don't know
your financial situation. So I am curious of something, and
I'm being dead serious. What kind of assets do you have?
Speaker 2 (02:04:13):
What can they come after?
Speaker 13 (02:04:15):
They don't have anything they can go after. I mean,
I have a business, but.
Speaker 6 (02:04:21):
You know, well, does the business have any like real
assets though? Or it's basically you, it's just basically me.
Speaker 13 (02:04:27):
I have a massage therapy.
Speaker 2 (02:04:29):
Yes, So the worst yeah, the miss They're not going
to come after a massage business.
Speaker 5 (02:04:33):
So the worst scenario if you don't own your own
house and your car is worth less than eight thousand
or whatever, it is now, and maybe you even do
own your own house, although I know you don't because
of this scenario. The worst scenario, seriously would be a
Chapter seven bankruptcy, and your credit would be back up
to snuff, probably within eighteen months, to be quite honest.
Speaker 2 (02:04:57):
But Jennifer, yeah, you can rebuild your credit. You can
rebuild your credit pretty easily. Do you have a lot
of credit card debt right now? No, Jennifer, Jennifer, you
need to talk to a bankruptcy attorney right now. Even
if you're I'm serious, You're you're I don't think you
(02:05:17):
know the extent at which you're going to be responsible.
And you can't just say, well, it wasn't my fault
this thing flooded. It's that that is your fault because
you brought that thing into the apartment, okay, and so
you got to protect yourself from now.
Speaker 6 (02:05:38):
I would call Mike Wink. I would call We'll give
you that number. But no matter what, don't pay any
money towards this right now. It could be very bad
money spent.
Speaker 2 (02:05:48):
Okay, have you paid anything yet?
Speaker 13 (02:05:52):
When I asked the landlady to go through the insurance
because I wouldn't find the contract with the contractor.
Speaker 2 (02:05:59):
But Jennifer, you think by going through the insurance you're
getting out of it. You're not. The insurance is going
to come after you. The insurance is going to come
after you harder than the landlady.
Speaker 13 (02:06:11):
It wasn't that. It was she was having me sign
a contract to hire contractors to do work on the building.
And I told her, in my lease it says I'm
not allowed to hire good contactors to do the work
on that.
Speaker 2 (02:06:23):
That's so weird.
Speaker 6 (02:06:24):
They even ask that. They're trying to set you up.
Speaker 2 (02:06:27):
Yeah.
Speaker 13 (02:06:27):
Yeah, So I asked her, I said, well, can't you
sign it and then bill me? And she would refuse
to sign it. And then after that I said, I said, okay,
well let's go with the insurance.
Speaker 2 (02:06:39):
The reason mark she wants let's just cut it short, please.
I know exactly what's going on. The reason they want
you to hire the contractor is so they can't be
held responsible when the contractor comes collecting for the money.
So it was smart of you not to do that.
But no matter what, you are going to ultimately be
(02:06:59):
live for this. You need to see a bankruptcy attorney,
and in fact, it's not too soon to see one
now you're not getting unless you have fifty or seventy
five thousand dollars sitting around.
Speaker 13 (02:07:13):
No, the thing that she said that concerned me when
I wouldn't find that contractor she said, I didn't want
to go to the insurance route because this building is
condemnable and I live here.
Speaker 2 (02:07:26):
Okay, Jennifer, here's the thing, meaning the condition of the
building after this, the insurance company could insist on doing
way more repairs than just what happened. And what I'm
saying is none of that matters to you. If you
(02:07:48):
somehow feel going to her insurance is going to make
it easier on you, it's going to make it harder
on you, not easier. Insurance companies will go after everything,
including future earnings. You know they are relentless. And whether
(02:08:10):
now you were smart not to sign contracts, by the way,
you were smart. However, whether she goes to her insurance
or not is none of your business. Whether that building
is condemnable or not is none of your business. However,
if they claim, which they could, that this incident put
(02:08:31):
them over the top and now this place will be
condemned because of you, you could be looking at a
million dollar claim. Against you. You don't understand, I don't. Okay,
then don't do anything, Jennifer. If you don't think anything's
going to happen, don't do anything. If you listen to
(02:08:51):
us at all, you will hire a bankruptcy attorney now
to formulate how you're going.
Speaker 6 (02:08:57):
To get out of this.
Speaker 2 (02:08:58):
Otherwise, otherwise you're going to be in very big trouble.
That's all I can tell you. And I know you
called for help, but you know this. These people are
doing nothing wrong to you at all. They should go
to their insurance company. They should. But what I'm saying
is is that's going to be bad for you, not good.
(02:09:22):
Mike do you have that? I mean, Mark, do you
have that number for Mike Wink?
Speaker 3 (02:09:25):
I can give it to her.
Speaker 2 (02:09:26):
Yeah, we'll give it, sir, Okay, we'll give it to her.
Wink the Wink Law Firm. Jennifer. I want you to
talk to him right away and see what he sees
in your future. And I think you need to start
structuring a bankruptcy three oh three seven to one three
eight two five five Go with a sure thing Denver's
Best roofer Excel roofing dot com. You don't pay a
(02:09:48):
cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass Insurance paying too much
your coverage? A dozen of insurance companies find out now
three all three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand
the real estate man dot com to list your home
(02:10:09):
with Remax Alliance three all three nine two zero sixteen
twenty two. Hi Tom Artin know here with Mark Major,
we're talking about your problems, questions and complaints. And you
know that last call brings up something very very important,
(02:10:29):
Renter's insurance. You know so many times we talk about
renters insurance. It's inexpensive. I mean some of it's like,
what is it like one hundred bucks a year, maybe
a little more.
Speaker 5 (02:10:42):
ADDIE's is Addie rents right here in the tech center.
Hers was when we got it through Compass. Or she
did her and her boyfriend one hundred and forty bucks.
Speaker 2 (02:10:50):
For the year. One hundred and forty bucks. Now listen,
the liability that you have for things that go wrong
are incredible, and they love the liabilities are incredible. For example,
you know, I know she thought, wait, a minute. This
was not my fault. It was an accident. That is
precisely what you ensure for. You know a lot of
(02:11:11):
people say, well, I don't own that much. You're not
ensuring for yourself. Sure, contents are part of a renter's policy.
You want to, you know, ensure for that TV you
have or that couch or all that. But that's not
the real deal. The real deal with renters insurance is
your liability to others. And it's also temporary housing that
(02:11:34):
can be a factor, But your liability to others. Do
you realize that you could, like, like she disturbed asbestos,
that's going to be on her. Or if you destroyed
something downstairs underneath you, that's gonna be on you, alongside you,
that's gonna be on you. And this was from a
(02:11:56):
water appliance, a water filter it is, and it leaked
and it flooded her laundry room and a couple garages
below her. They have to tear everything apart. You're not
gonna get away with nowadays for any construction whatsoever having
to do with water and pulling walls apart in floors.
(02:12:17):
You're talking fifty grand, at a bare minimum, fifty thousand dollars.
Speaker 5 (02:12:22):
I wanted to ask Nick Gravinas Gravina, do you have
you ever walked into something like that, Like you order
windows and you go to put them in and you
run into like mold or asbestos or you guys check
all that prior to ordering, or how does that even
look if you ever showed up and all of a
sudden you can't even put him in because you can't
(02:12:43):
move the asbestos.
Speaker 1 (02:12:44):
I mean pretty rarely. I mean we do run into
some asbestos on the exterior for some old siding from
the fifties, and we can entombe it is what they
call it, as long as we don't, you know, disturb it.
So if we can put a house wrap in like
vinyl or steel siding, we don't have to do anything
like a hearty we would have to remove it, which
you'd have to reradiate, but we don't do that. We
have companies that we refer for that. We're also lead certified,
(02:13:07):
so we run with lead paint. You know, we do
test for lead paint. I have seen we've torn out
a window before and have had literally a mushroom growing
underneath the window.
Speaker 12 (02:13:18):
Wow.
Speaker 1 (02:13:20):
But yeah, I mean, we don't run into too much
molder stuff here, you know, more dry rot than anything.
And again we don't do too much moisture stuff.
Speaker 5 (02:13:29):
But how do you even handle that dry rote? You
go to install a big bay window and the damn
frame just doesn't even you know, it's crumbling. I guess
you just rebuild it.
Speaker 1 (02:13:37):
Yeah, I mean we can, you know, I mean, if
it's a couple sticks, we can usually do it. We've
had it where we've had to stop boarded up, turned
over to their insurance. I've had whole walls how to
be rebuilt from like stucco being on the outside and
rotting the house. You know.
Speaker 2 (02:13:52):
So I don't understand. I don't understand this text. But
it says Tom, I need a door replaced.
Speaker 6 (02:13:59):
Just do the glass broke?
Speaker 2 (02:14:02):
And I can't replace the glass the door was built around.
I don't even understand what it means the door was
built around the door. I contact, Okay, I know what
they're talking about. They have a fixed light next to
a door, and it's more than a door, so they
have a they have a long vertical piece of glass
(02:14:25):
alongside the door, and the door is glass too. It
looks like it looks like a single French door up
against a vertical fixed light.
Speaker 1 (02:14:36):
Anyway, I got a sidelight is broken.
Speaker 2 (02:14:39):
The sidelight and and it's all one unit and they
have to replace it. Unless you can you just do
the sidelight.
Speaker 1 (02:14:47):
You'd have to see some some sidelights or doors the
glass is trapped inside the frame, so there's no.
Speaker 2 (02:14:52):
Replacement, That's what I think they're saying.
Speaker 1 (02:14:55):
But there are some that have like lip lights or
stops that can be removed. We don't do glass replacement.
I could recommend somebody, but if they want to send
us some pictures, they can text it.
Speaker 2 (02:15:04):
Three. They just sent me a picture, I'm going to
try to copy that to you. Meanwhile, I'm going to
just tell them to call over there. Yeah, That's what
I'm telling them right now. So on another note, they
want to know on siding, what siding do you recommend
so they never have to do it again and they
(02:15:24):
don't want to paint. Well.
Speaker 1 (02:15:27):
I think Steel siding right now has probably one of
the best paints on the market. We've talked about this before.
They have a lot of the ones we sell, and
Steel have a Kinar finish, so you get like a
thirty five year paint finish. On it. Wow, we do
have a LP smart side that has a thirty year
warranty on it called Diamond Coat, which is fantastic. That's
what I have on my house.
Speaker 2 (02:15:48):
What is the actual siding made of.
Speaker 1 (02:15:50):
On the LP? Yeah, the LP is an engineered would
it looks like OSB if you know OSB is oriented strandboard,
you know, chipboard, but the way they make it is
completely different. It's actually mid Northern United States aspen trees,
not like the ones we have here. All the chips
before they press it into the siding. They used to
(02:16:11):
press the siding and then coat the outside and penetrate
just the surface. Well, they take the chips before it's
actually pressed and actually saturate those first, and then they
press it. So it's almost like a ninety nine percent
you know, impregnated with their waxes and chemicals for bugs
and water and all that stuff together. So that panel
(02:16:32):
itself is very awesome.
Speaker 2 (02:16:34):
And is that panel awesome before the diamond code.
Speaker 1 (02:16:37):
The diamond code is the paint finish, which is made
of basically rocks. But yeah, the LP is all made
the same. So the LP siding and smart trim itself
is all made that way. Which I think is a
very well made product, and it's what it doesn't have
the weight of the heart.
Speaker 2 (02:16:51):
And does all LP Smart side come with diamond code
or is that an extra?
Speaker 1 (02:16:56):
Nope, you can get it primed. They do their own finish.
They have one of their own things is called Expert Finish,
which is their paint finish which has a fifteen year
and then diamond Coat's another pre finisher from theirs which
can carry a thirty years.
Speaker 2 (02:17:07):
How much does diamond coat add to the price.
Speaker 1 (02:17:10):
It's one of the top on the market. It's one
of the upper echelons. But again, if you don't have
to paint for thirty years, I mean, I'm a real
big believer in that paint, you know. But if you're
gonna live in your house for twenty plus years, I
think it's definitely worth it. If you're gonna sell them
five years, it's probably not really worth it.
Speaker 2 (02:17:26):
Can you diamond coat anything or only the smart side?
Speaker 1 (02:17:30):
I am not sure about that. We can only get
it on the LP. I mean, I don't you know
that's made by Wasaw. I don't know if they have
the paint to do other things, but for us, it's
just the diamond coat on the LP siding from the factory.
Speaker 2 (02:17:42):
And does it come prepainted with diamond coat.
Speaker 1 (02:17:44):
Yes, and okay, And the story is is that they
ground up rocks from the earth, like if you want
to charcoal color, they take rock pigment, or they take
rocks that are that color. They ground it up and
fifty percent of that paint is actually crushed up rock
and that's why it retains the color and in life
of it for so long.
Speaker 2 (02:18:02):
Okay, So diamond coade is only available on LP smart
side and it's guaranteed for how.
Speaker 1 (02:18:08):
Many years a year paint finish.
Speaker 2 (02:18:11):
Yeah, that's pretty damn good. Three oh three Gravina. We
got more coming up.
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