The Troubleshooter 11-17-25

Episode Transcript

Speaker 1 (00:00):
Y'all RIPPM News. You need advice when you don't.

Speaker 2 (00:10):
Have, come running just as fast as we can.

Speaker 1 (00:16):
Shoot's gonna help.

Speaker 3 (00:17):
Come man, this is the Troubleshooter Show.

Speaker 4 (00:22):
Now, Tom Martine, Hey, you can't let this deal go
by waterpros dot net. The whole house water softening, conditioning
and drinking water at the kitchen sink reverse hosposis all.

Speaker 5 (00:37):
For forty six ninety five.

Speaker 4 (00:39):
Now you can get just the drinking water for around
twelve hundred, which is a screaming deal.

Speaker 5 (00:43):
You can get the other systems.

Speaker 4 (00:44):
But putting them together for a holiday package for your home.
Forty six ninety five waterpros dot Net. Here's what I'm
gonna tell you. The guaranteed loess price and the best system.
That's what we do here on the show. The guaranteed
lowess price. That's my new deal. That doesn't mean everyone
will have the guaranteed lowest price. But when I tell
you can take it to the bank. Three oh three

(01:05):
eight six two five five five four water pros dot Net. Well,
we love phone calls and we're going to go to
Perry and we invite your phone calls and as Mark
put it, one time to me and Mark, are you
on right now? Because I notice your camera's not up.
I noticed your camera wasn't up yet. But in any case,
bottom line is Mark said, Tom. It's great when you

(01:27):
dip into the mail bag and the text and people
get lazy and want to text an email, but basically
have them call and explain it to us, and we'll
do that too.

Speaker 5 (01:36):
So always calls.

Speaker 4 (01:39):
Take priority, and we have Mark explain what we have
behind the scenes on handling problems. How dedicated these guys
are unbelievable.

Speaker 5 (01:49):
We've got great deputies.

Speaker 6 (01:51):
In fact, we've got deputies from all different backgrounds, not
to mention great attorneys at referral lis dot com.

Speaker 5 (01:57):
I'm that are always there to help you. That's what
we do.

Speaker 6 (02:00):
We like collecting money, we like exposing the bad guys,
and it's easy to jump in. Three h three Martino.
Call right now, two lines open, three zero three Martino.
Someone pissed you off over the weekend and you want
to expose them or you need to get your money back,
now's the time to call.

Speaker 4 (02:18):
Yeah, and remember this sometimes even if we can't help
you directly, we have ideas for you and it helps
others with similar problems. This is the original social media
on talking about things other than politics. Of course, once
in a while we'll mix politics. But Perry, let's talk

(02:39):
about shipping a snowmobile.

Speaker 5 (02:43):
Go ahead, sir, what's going on Perry anytime?

Speaker 3 (02:47):
How's it going?

Speaker 4 (02:48):
I'm doing fine, thank you? And what's what's on your
mind today?

Speaker 3 (02:53):
So I bought a used snowmobil in Wisconsin and I'm
trying to figure out the best safe way to ship
it to Colorado without getting ripped off. I think a
lot of stuff online, but most of it from the reviews,
they're all scammed the way it seems.

Speaker 4 (03:11):
You know. I will tell you this, moving in general
and storage I would say the number one area of
abuse of consumers. Wouldn't you agree, Mark, wouldn't you agree
moving in storage? It's not if you're going to get
ripped off? But when?

Speaker 5 (03:28):
Wouldn't you say?

Speaker 4 (03:29):
Like, in most cases this is why I mean, Mark,
In most cases, when you go out to do something,
there's a chance you're going to find a bad guy,
and you got to work around it. You got to
know what you're doing. With moving and storage, I would
say there's a chance you might find.

Speaker 5 (03:47):
A good guy now and then. But it's rare.

Speaker 4 (03:49):
Unfortunately, the majority of people you find online are ripoffs.

Speaker 5 (03:56):
They are.

Speaker 4 (03:57):
Now that's whether you're moving a vehicle or whatever. Now
I'm going to give you some ideas based on real
life scenarios. Okay, I love this database of what people
have done. The number one thing for me me personally,
if I have something I want moved, I try to

(04:19):
get someone I know to literally go and get it
if I have because when you consider the costs, you
have an airline ticket, you have maybe a trailer they're renting,
or a car hauler, or you have them drive there
and get it now where it's in Wisconsin. And that
is the best way is to use people you know literally,

(04:43):
even if they're not movers or transporter. Is just a
friend or someone who can get a trailer who wants
to drive out there, or you rent something out there
for a one way to Colorado. That's always the best direct.
One time, I even flew out out and drove my
vehicle back as time gets precious. You may have a

(05:05):
son or a daughter, or a nephew or a niece,
those are always the best. If you need to transport
though a snowmobile, it's also best in my opinion to
have it in an enclosed trailer and just use a
conventional mover. Okay, finding a conventional mover is easy. We've

(05:28):
talked about it in the past. You don't use someone
you find on the internet in a search that have
names similar to national movers.

Speaker 5 (05:38):
What you do is you literally find.

Speaker 4 (05:40):
The national movers and find a local agent in that market,
and they'll simply put it on a truck coming this way.

Speaker 5 (05:49):
It's that easy.

Speaker 4 (05:51):
Now, auto transporters within closed trailers can also do it.
How much are we talking about in Valley?

Speaker 3 (06:00):
You around five thousand I paid for it, Okay, so
it's not crazy money.

Speaker 4 (06:08):
Have you called any national? Have you called any national?
When I use the word national, by the way, I
don't like cause there is a company called National, but
but I'm talking about I'm talking about nationwide movers. Have
you actually called any because they all maintain local agents.

(06:30):
And if you find like Grable or North American van
Lines or Atlas or you know, name one of those,
Mayflower exactly guys I would call.

Speaker 6 (06:42):
I would call Vickary Motorsports. I would call Polaires. I
one in town that sells and ships them.

Speaker 5 (06:50):
What do you think of calling Jr.

Speaker 7 (06:51):
Cars.

Speaker 5 (06:52):
They do, they do right.

Speaker 6 (06:54):
And now once again i'd call people that sell snowmobiles.

Speaker 5 (06:58):
They ship them all over the country in Ala.

Speaker 4 (07:01):
And that's a really good idea. So you ask who
do you use and they'll give you some names. I'll
bet you they'd love to give you names. When when
do you have to pick this up?

Speaker 3 (07:15):
It's not super I'd like it within the next you know,
six weeks something.

Speaker 4 (07:20):
Is it a private owner?

Speaker 7 (07:21):
The idea?

Speaker 5 (07:23):
Is it a private owner you're buying from?

Speaker 3 (07:25):
I already bought it. It's at my brother's house.

Speaker 4 (07:28):
Oh good, that's good. By the way, your brother lives there.
Did you who did you have inspected before you bought it?

Speaker 3 (07:37):
He's pretty I haven't even seen it. He's still with
all of that.

Speaker 5 (07:41):
Okay, that's good because I was.

Speaker 4 (07:42):
Going to say sight unseen. Oh my god. We have
had so many people burned by this. But you did
it in a good way. You have a personal representative there.
I think Mark probably had the best idea. Have you
called any of these motorsports dealers to say, hey, no,
you recommend who do you use?

Speaker 3 (08:00):
Well, but that's a great idea. I have not tried.

Speaker 4 (08:02):
I think in fact, I want to ask. I'm going
to I'm going to ask Deputy D for the hell
of it to call a couple of dealers around town
just to see who they use. And that would be awesome. Yeah,
let's do that and see what we can come up with.
You know, sometimes people are.

Speaker 5 (08:18):
Just get clear. Look, we're just looking for.

Speaker 4 (08:21):
Some names, some names to kind of investigate. I always
give out a couple of them that I have used personally.
Uh for cars, they're having closed trailers and they can
do it.

Speaker 5 (08:36):
How may I ask?

Speaker 4 (08:37):
What budget did you think in your mind when you're
thinking about transporting? What budget do you have in your mind?

Speaker 3 (08:44):
I was hoping like a thousand bucks. I was thinking.
I figured that's probably in gas and motel rooms what
it would cost me to drive there and get it.
So if I could get it for that, I'd be
more than happy.

Speaker 5 (08:56):
Yeah, I think a thousand is going to be hard
to hit.

Speaker 4 (08:58):
But if anybody else, by the way, has had experience
with this, give us a call, please three oh three
seven to one three talk seven one three eight two
five hang on Perry.

Speaker 5 (09:08):
And what we'll have is we'll have Deputy D.

Speaker 4 (09:11):
We'll have him do a call to a number of
dealers to see what they say and what they use.
I think the cost. If you're not going to get
a dedicated mover for a thousand bucks in a trailer,
for sure you're not. It might if you can get
in a trailer with someone else or on the in

(09:34):
a moving van when they're moving other things, then that's
the ticket. You will save a ton of money if
they have people going a certain way. That's why I
love these national movers too. Deputy D is so good
at research. I don't mean to blow smoke here, but
I really mean this sincerely that we have the danger
of him over researching.

Speaker 5 (09:53):
So I'm going to ask him.

Speaker 4 (09:54):
In addition to calling some of the motorsports dealers, I'm
wondering if you could also D call one of the
national Yeah.

Speaker 8 (10:03):
I actually have a great contact at Bueler Mayflower. And
so when you said that, I was typing rich An
email to see if you can move a stone bill
from Wisconsin to Denver.

Speaker 4 (10:15):
And and the newest trend. By the way, when you
start googling like and you want to get a mover,
you'll get names that sound like, you know, like I
believe it happened with Universal or one of them. One
of them put a word express on there or North
American North American Trucking. There's different plays on names, and

(10:41):
there's just not enough people to enforce name protections. So
you're going to find a lot of false names on
the internet or names that sound like reputable companies. You
just have to do legwork and make sure you're dealing
with the right people. Danny's got a comment, Go ahead, Danny,
what is your comment on this?

Speaker 7 (11:03):
Yeah, all he needs to do is get on you ship.
It's like the letter you and then you ship, you
put into dimensions and you put the size of whatever
you're you're getting. And they got guys that bit against
each other, that that are coming back empty with tractors
or semis or traders whatever, and he'll get it the
cheapest way like that.

Speaker 4 (11:23):
Have you actually I see the website here. Have you
used them?

Speaker 7 (11:27):
Yeah, we use them all the time because they specialize
in in unstandard moving of different way.

Speaker 4 (11:34):
Right, people that might have room on a truck or
something and they're going a certain way and they try
to mass those rides.

Speaker 7 (11:41):
Put the dimensions in the way and and that's it.
And he'll find that those men. I'll tell you why
professional guys.

Speaker 4 (11:49):
If it works, it would be great because that would
be such a cool idea. Yeah, and they did.

Speaker 7 (11:54):
They did a show on that, on that whole They
did a TV show on how those guys do it.

Speaker 5 (12:01):
Yeah, I'm looking at it. I'm looking at it right here.

Speaker 4 (12:05):
I'm gonna read more about it during the break. But
it sounds like a great idea. And I think they
even have it in app form three oh three seven
one three talk seven one three eight two five five.
Remember I told you about water pros now. Let me
tell you about Compass Insurance Group doing insurance checkups. I
want you to know that if you want to know

(12:26):
if you're paying the right price for insurance, or you're
not under insured or overinsured, do a free insurance checkup.
This is an honest to god objective look at your coverage.
Don't just assume everything you have is great.

Speaker 5 (12:42):
Do the checkup.

Speaker 4 (12:43):
That's Compass Insurance three oh three nine nine six nine thousand,
nine nine six nine thousand Go with a sure thing
Denver's Best roofer Excel roofing dot com.

Speaker 5 (12:59):
You don't pay until you're content.

Speaker 4 (13:04):
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 O three seven
seven to one.

Speaker 5 (13:15):
Help.

Speaker 4 (13:15):
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three three nine two zero sixteen
twenty two. Hi Tom Martino here, Welcome to the show
with Mark Major Major Mark Major.

Speaker 5 (13:33):
I got Deputy d Work.

Speaker 4 (13:34):
In the phones to find out about this one, this
one issue on transporting, and he's talking about other things
I have with me. Now, Nick Fox in the in
the house. Nick is the owner of renew Home Innovations,
and let me tell you something. They have joined the

(13:57):
Guaranteed loess Price Club and.

Speaker 5 (13:59):
They mean it.

Speaker 4 (14:00):
Now. This is a big area and a hard thing
to do. But Nick said, if I'm going to do it,
I want to stand out. So if I'm going to
do a furnace or anything else, an air conditioner or
anything else, it will be the guaranteed lowest price.

Speaker 5 (14:18):
Nick.

Speaker 4 (14:19):
So it's not hard for you to beat the market,
is it? With apples versus apples? How have you been
doing with that?

Speaker 9 (14:26):
It's actually been working really well, and a lot of
people seem to appreciate the opportunity to save some money,
especially in the current text.

Speaker 4 (14:33):
Do you show them right on paper, here's what you
were quoted, and here's what we're gonna do.

Speaker 5 (14:37):
Absolutely.

Speaker 9 (14:38):
In fact, we even have it built into our system
and they get the lowest price guarantee with the package there.
Obviously we have other systems that can cost more, but
they're all based.

Speaker 5 (14:48):
On well of course yeah features, right, but.

Speaker 4 (14:50):
If they cost more comparatively to others, they will be
less expensive.

Speaker 5 (14:55):
Correct.

Speaker 4 (14:55):
Here's something really important when it comes to lowest price guaranteed.
I've always said, you know, you got to do it
before you buy. You can't do it after a lot
of people say if you buy something, okay, let's say
you buy a furnace and Nick puts it in and
then a month.

Speaker 5 (15:11):
Or two down the road, somebody said, I could have
done that cheaper.

Speaker 4 (15:14):
That could have anyone can say I could have right.
When it gets right down to it, it's got to
be real. It's got to be real. That's all we
ask is that it be real. And I think people
right now are so priced conscious conscious they just.

Speaker 5 (15:32):
Want a great deal.

Speaker 4 (15:34):
Now that doesn't mean a silly, stupid, unattainable deal, but
they mean a good, solid price. Now, one thing I
think companies doing, By the way, give us a call
three oh three, seven to one to three talk on
pricing or anything. I'd like to know how shoppers evaluate
their deals. You know, even though people say I want

(15:58):
to make sure I get the blah blah blah blah
the beast, and I want to make sure that the
value is there or the brand whatever they all want,
when it gets right down to it, the bottom line. Now,
you're not going to pay for trash if it's not
good and you get a cheap price. You're not going
to pay for it if you know it's trash or

(16:19):
for you know it's low quality. But the point is
this price, price, price, That's what people look for. Now.
In addition to price, of course, you have to have
a good company, you have to have skill. You know,
a furnace can be ruined with a bad installation, a
hundred percent restricted airflow.

Speaker 9 (16:40):
There's so many things that can cause it to fail prematurely.

Speaker 5 (16:43):
You know where out the motors are.

Speaker 9 (16:45):
Yeah, absolutely, you have to you have to really make
sure that they're doing it. That it's being installed the
way the manufacturer specifies and per code.

Speaker 4 (16:52):
Now, as far as they're they're here today. If you
have any questions, renew home Innovations dot com and they're
also at three or three nine erre a four to
two thousand, nines are a four to two thousand on
the lowest price guarantee. I have never seen any time
in my life where prices fluctuate so much. I've heard

(17:15):
people go out and get quotes for a new furnace
from forty seven hundred to twenty seven thousand.

Speaker 5 (17:22):
What I mean, let's just strip it down.

Speaker 4 (17:25):
Let's just talk in real I don't care about numbers
because every situation is different.

Speaker 5 (17:31):
But what makes a system?

Speaker 4 (17:33):
What makes prices go from forty seven hundred to twenty
seven thousand?

Speaker 5 (17:39):
What would be included?

Speaker 3 (17:41):
Like?

Speaker 4 (17:42):
Truly, I don't think, let's say somebody charging twenty seven
thousand is necessarily ripping anyone off. But there's got to
be a reason why some systems come in at twenty seven. Now,
let's take apples with apples like the same size house.
How can how can the system prices vary so much?

(18:02):
When you're looking at a job. How what makes a
system vary so much.

Speaker 9 (18:09):
A lot of it has to do with efficiencies and
what type of equipment that you input in. I mean,
you can get a pretty standard furnace and it can
be at some of those nominal numbers that you're speaking about.
But if you're going into a heat pump system where
it's completely changing the way that the fuel and so
it's designed to work so much more efficiently as well

(18:29):
as there's a lot of rebates that are available to
consumers right now as well. So really it has everything
to do with equipment. Okay, I want to know this
about equipment. There's a move toward heat pumps for some reason.
You know, years ago you never heard about heat pumps
unless you lived in North Carolina or Florida or somewhere
it didn't get real cold. They reverse cycle the AC
and they get heat.

Speaker 4 (18:50):
And by the way, our number is three ZHO.

Speaker 5 (18:52):
Three seven one three talk.

Speaker 4 (18:54):
I know I get talking a lot, and I don't
give out the number as much as I should, but
you can interrupt any time. Seven one three A two
five five. So I want to know, though, why heat
pumps are such big technology now. They were, as I said,
known as reverse cycle AC and they were for mild

(19:16):
conditions only, and now they're even using them in appliances.

Speaker 5 (19:21):
I have a heat pump technology system.

Speaker 4 (19:25):
My bespoke Samsung Washer dryer Combo is a heat pump.
It uses one ten no vent because it's a heat pump. Now,
you know you may not be versed in the actual technicalities.
I'm not no, no, I'm not asking about that. But why
are they becoming so popular? Why are heat pumps becoming

(19:46):
so popular even in Colorado where you would never dream
of putting a heat pump.

Speaker 5 (19:52):
In utility consumption?

Speaker 9 (19:54):
I mean, they're definitely way more efficient on utilities. They
they don't use the same type of fuels, so when
they're able to really bring down the cost.

Speaker 4 (20:06):
And so do you find though that the hybrid systems
are the best Now, I don't think I would rely
one on a heat pump with you.

Speaker 9 (20:15):
No, no, no, no, I love the hybrid concept.

Speaker 4 (20:19):
Now right now, people looking to replace a furnace, I
mean what, I know you've researched the market, and I'm
not asking your pricing, like I said, for anything, because
you guarantee the lowest price.

Speaker 5 (20:32):
But I'm asking this, what is.

Speaker 4 (20:36):
On a like, say a three thousand square foot home.
What are the averages about on those prices that you'll
get high to low on that on a three thousand
square foot house? Realistically, where will most prices fall?

Speaker 9 (20:49):
Are you speaking about just a furnace or a combination
heating and cooling system?

Speaker 4 (20:53):
Well, first of all, that's the question when do you
replace the AC with the furnace?

Speaker 5 (21:00):
So we'll come back to that in a second.

Speaker 4 (21:02):
But I really want to know, really want to know, dollars,
what are we looking at in this marketplace for these
kinds of things? But Raymond, you're up. Go ahead, Raymond?
What's going on with your HOA three to Oho three
Martino is another number you can call three oh three
six two seven eight four six six Raymond?

Speaker 5 (21:19):
What's going on?

Speaker 4 (21:20):
Bro?

Speaker 10 (21:21):
Yes, I'm I live ahead of gardens and I have
a thirty two year old daughter with town syndrome. And
they came into my house and taken a property out
of here. And also when to where I parked my
truck because they've been the last my truck twice. They
drained all the organize of the transmission.

Speaker 5 (21:37):
Well, when you say they, though, who are you talking about?
I mean it's not somebody from Heather the.

Speaker 10 (21:42):
Hosts Association, the Hallowners Association.

Speaker 4 (21:45):
Well, what do you mean they stole from you? I mean,
help me out here.

Speaker 5 (21:49):
I'm all for my house.

Speaker 10 (21:51):
I drove trucks over the row for fifty years. I
made yes special cables too, that you could jump start
trucks with because you can't go those.

Speaker 4 (21:59):
Okay, So I want you to I want to break
this down though. Okay, just really, I do you live
at Heather Gardens?

Speaker 5 (22:06):
How long have you lived there?

Speaker 10 (22:08):
I've been here for seven years.

Speaker 4 (22:10):
Okay, Now did the problems all of a sudden occur
or tell me how these problems came about.

Speaker 10 (22:18):
They've been doing it ever since I've been here. It's
just exacerbated as all they can.

Speaker 4 (22:23):
Okay, what have they been doing, like, like you move
into Heather Gardens?

Speaker 5 (22:27):
What have they been doing? And are they targeting just you?

Speaker 10 (22:32):
They're targeting just me. They was targeting my daughter at
one time. I have a thirty three year old daughter
with down syndromes. She looks like he's fifteen. That was
the first they started after all.

Speaker 5 (22:43):
After heard ray Are you sure?

Speaker 4 (22:45):
I mean, I mean really, are you sure? They're coming
after you and they don't like you? Are you there?

Speaker 5 (22:52):
Did he hang up? If so, I mean, maybe it's
better that he did. Listen.

Speaker 4 (22:58):
I know people get overwhelmed sometimes when they have a
problem and they start thinking everybody's out to get me,
and they start accumulating all of these examples.

Speaker 5 (23:13):
But there's no evidence.

Speaker 4 (23:14):
Now, I promise you, if you have an hoa who's
targeting you, I'd love to talk about it. But most
people have no evidence, nothing. Really, they have nothing except
their hunch, like, oh, you know, that's what they're doing
to us, And then they give a whole bunch of

(23:35):
events that happen, but they're not connected.

Speaker 5 (23:39):
Stephanie, what were you going to say? I think I
think I recognized Raymond's voice.

Speaker 8 (23:43):
He called us about a year ago because he had
about five thousand dollars worth of women's lunchury charged to
his credit card.

Speaker 4 (23:51):
Wait a minute, you actually remember this?

Speaker 5 (23:54):
Yeah, and you remember.

Speaker 4 (23:55):
The voice that? Well, yeah, why did you handle the problem? Right?
Hold on a second.

Speaker 5 (24:00):
I want to hear more about it.

Speaker 4 (24:01):
And then, Stephanie, you want advice on a car accident?
Really important stuff coming up on the Troubleshooter Show. So
I want you to stick around. Three oh three seven
one three eight two five five go with a sure
thing Denver's best roofer Excel Roofing dot com.

Speaker 5 (24:22):
You don't pay a cent until you're content.

Speaker 4 (24:28):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom Martino,

(24:53):
you are a troubleshooter. Three O three seven to one
three A two five five callers get priority here, Stephanie.
I'm going to go back to Raymond later. Stephanie called
in after Raymond got disconnected. Raymond, You're going to have
to hang and we will talk to you. Stephanie. What
happened to you? What's going on?

Speaker 5 (25:12):
Stephanie?

Speaker 11 (25:14):
Hello, God, Well, last night I was on I was
on my way home from my store and I was
going He's found on Quincy right at Wadsworth, and the
guy on a scooter was going south or going southbound
on Wadsworth on a scooter and he went through the

(25:34):
red light and we glided at the interception.

Speaker 4 (25:39):
Now he he Wait so he ran the red light?

Speaker 11 (25:44):
Yeah, he just went right through the intersection, right in
between all the cars.

Speaker 4 (25:48):
And who hit who hit?

Speaker 12 (25:51):
Who?

Speaker 11 (25:52):
He hit me?

Speaker 5 (25:54):
Okay? So where did he hit your car?

Speaker 11 (25:57):
The front driver's side?

Speaker 4 (26:00):
Okay? Now was there a police report?

Speaker 5 (26:05):
Oh?

Speaker 11 (26:05):
Yeah, there was about ten cops out.

Speaker 4 (26:08):
Oh my god. Now now was he hurt pretty bad?
Or were you hurt? What happened?

Speaker 5 (26:13):
I was not hurt.

Speaker 11 (26:15):
I was probably doing about thirty thirty.

Speaker 2 (26:17):
Wow.

Speaker 4 (26:19):
And so you're simply going he simply ran the red
light on an arrow to turn? Or was he going
straight across?

Speaker 11 (26:29):
He was going straight across.

Speaker 4 (26:31):
I got it. I got it.

Speaker 5 (26:32):
Okay.

Speaker 4 (26:33):
So okay, did he admit it? I mean, did he
get a ticket? Where? Where?

Speaker 5 (26:38):
Where's it at?

Speaker 4 (26:39):
Right now?

Speaker 11 (26:41):
She was laying on the ground. Ooh, I don't, I don't,
I don't know.

Speaker 5 (26:47):
Well, was an ambulance called.

Speaker 11 (26:50):
Yes, the ambulance came and they took him away immediately.
He was he was he making some noises and she
didn't really say anything, I mean, like real talk.

Speaker 4 (27:00):
Was this a licensed motor vehicle or was it one
of these rentals or you see all of these scooters
all over. In fact, I see kids driving on the
streets as if they're a car nowadays, and they're not
just on these lines or these other kinds of scooters,
lift scooters or whatever. It seems like if you have

(27:22):
anything motorized under a certain CC, you can just drive
anywhere in any way you want, without insurance, without license,
without anything.

Speaker 5 (27:31):
So here's what I want to know.

Speaker 4 (27:33):
Was he in one of these unlicensed kind of vehicles
the scooter?

Speaker 11 (27:38):
Yeah, well it was a scooter. It was a motorized scooter,
but I think it was his personal scooter. I don't
think it was a rental scooter.

Speaker 5 (27:44):
So what are you calling about today? Tell me? If
you had to sum it up, what do you need
from us?

Speaker 4 (27:48):
We love helping people, are giving information, But what are
you calling about?

Speaker 11 (27:53):
Well? I want to know. I wasn't cited for the
ticket or anything. I wasn't at fault. He's at fault
he was.

Speaker 4 (28:01):
Did he get a ticket?

Speaker 11 (28:03):
As far as I know, he did or was going
to get one issues, But he's at the hospital. I
don't know how, I don't know. They won't tell me
if he's okay. Or if they won't, I can't get
any update because they hit that, right, So I don't.

Speaker 4 (28:17):
I don't know. You can get information on charges and
stuff like that by simply contacting the officer who responded,
or the UH or the desk with an accident report.
I mean, you have the accident report, right.

Speaker 11 (28:33):
Well, they gave me the number. I don't.

Speaker 4 (28:34):
I have to.

Speaker 11 (28:35):
It just happened last night.

Speaker 5 (28:37):
Right, I have to. So you take that number.

Speaker 4 (28:39):
You take that number and go to the police station designated,
and then they'll give you a copy of the report.

Speaker 11 (28:46):
Okay, And then what do I do with my insurance?

Speaker 3 (28:48):
I only have?

Speaker 4 (28:49):
Okay, Well, liability is exactly what it would cover that driver.
If that driver says or that scooter guy says, you
were at fault, what's going to happen? Is I doubt
this guy has any insurance or anything. He's driving a scooter.
It's probably unlicensed, unregistered.

Speaker 3 (29:09):
Right.

Speaker 4 (29:09):
It didn't look like a real motorcycle, right, it looked
like one of these little Okay, Well, you don't have
to do anything. Right now, you can contact your insurance
and say, you know, I was driving last night and
the guy ran into me and he got a ticket.
Is there anything I need to do? But I would

(29:30):
hesitate to do that.

Speaker 5 (29:31):
Now.

Speaker 4 (29:32):
If he comes after you, I doubt he will. First
of all, if it's not his scooter, why does he care?
And if he's going to go after you for pain
and suffering he could. It's very likely he could go
after you, and liability is what would cover you. But
then you would have a defense in that you were
not negligent he was. So what you have to do

(29:55):
basically is sit tight or you know what? We can
call John Fuller and this is precisely what we advertise
when we talk about John Fuller, that you can call
at any time and ask any question when it comes
to personal injury, and you can call his main number.
So kitschina, let's try to get John Fuller on. I'd

(30:16):
like to know what would he tell someone who calls
him and says this same scenario. What is the advice
right now? Does she set stay put? Does she try
to initiate a report with her insurance? What does she do? Okay,
that would be a good one. I'm Tom Martinez will
find that out more coming up, Go with a sure

(30:40):
thing Denver's Best rufer excel roofing dot com you don't
pay a cent until you're content. Time for an insurance
checkup free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three O three seven to seven to one.
Help you think you're his only customer when you choose

(31:02):
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, you're a troubleshooter. Okay,
So we have U, we have Stephanie, and we're awaiting
John Fuller to China.

Speaker 5 (31:24):
Were you able to get a hold of Johnny?

Speaker 13 (31:26):
I am working on it.

Speaker 5 (31:27):
Raymond, Okay.

Speaker 4 (31:28):
Good Back to Raymond, who calls with an issue with
an HOA. Raymond says he lives at Heather Gardens and
he says the HOA is basically is bothering him. I mean,
ray do you think it they're singling you out?

Speaker 5 (31:45):
And if so, why?

Speaker 2 (31:47):
Well?

Speaker 10 (31:47):
The first start that I have a thirty two year
old daughter with Donald Cinder, right, you mentioned that.

Speaker 5 (31:52):
Why do you think? Why do you.

Speaker 10 (31:53):
Think I don't think I know I have?

Speaker 4 (31:57):
What do you know? What do you know, Ray, I've.

Speaker 10 (32:01):
Changed the locks on my door fourteen times. Fourteen times
they made keys. Not only did they make keys. I
was parking my truck when somebody Ray.

Speaker 4 (32:08):
Ray. I know, Ray, I know you're all amped up
with stories to tell, and I get it and I
respect you, but listen carefully. You can't tell me that
you've changed keys fourteen times and they've and and they
have followed and how did they get the copies of
your keys fourteen times?

Speaker 10 (32:29):
Because they have a lots with your own duty.

Speaker 4 (32:32):
Okay, tell me why do they want why do they
want to Why does Heather Gardens hoa want to bother Ray?

Speaker 5 (32:43):
What is the reason?

Speaker 4 (32:45):
Ray?

Speaker 10 (32:45):
Because I won't give them money for Christmas lights? I'm
spentding eight years old. I don't believe in Santa Claus.

Speaker 5 (32:50):
Ray. Okay, when did this?

Speaker 7 (32:53):
When?

Speaker 10 (32:53):
When did the c license in my back?

Speaker 3 (32:55):
Ray?

Speaker 2 (32:56):
Ray?

Speaker 4 (32:56):
You do a good job talking and all you're doing
is talking, talking, talking, and you're not pausing enough for
me to ask actual questions to figure out if this.

Speaker 5 (33:07):
Is really going on.

Speaker 4 (33:09):
I need to know, Ray, why. I need to know
why are they targeting Ray? Why has Heather Gardens taken
it upon themselves to make Ray the arch enemy.

Speaker 5 (33:21):
What did you do to piss them off?

Speaker 10 (33:23):
Because I won't give them ten dollars of Christmas lights.
Every since I've been here, they talked about this mandatory,
all right, that you pay for Christmas lights. I don't
see Christmas lights. I need to feed my thirty three
old daughter with dom Ray Ray, Ray, I.

Speaker 5 (33:36):
Don't need the editorial right now.

Speaker 10 (33:38):
Ray ask me that.

Speaker 2 (33:39):
No.

Speaker 4 (33:39):
No, I asked you why they're bothering you, and you
went on a diatribe. They're bothering you because you didn't
pay ten dollars. So you're telling me, you're telling me
that if you paid ten dollars towards all right, he's
done good. Just don't don't even bring him back. Don't
even bring him back. You see, people, listen, honestly this,

(34:02):
I'm serious right now. I love helping people, I truly do.
But there are people that get all kinds of amped
up on accusations and they shoot like a machine gun,
and they in their mind it all makes complete sense.
All I want to do is establish when it happened,

(34:22):
and how it happened, and why it happened. Most of
the time, if you sit back and really take a
systematic approach to a problem. The phonies, the people who
are paranoid can't hold up.

Speaker 5 (34:36):
Under normal scrutiny. I want to go to John Fuller.

Speaker 4 (34:39):
I don't know if we're going to have enough time
to finish this, but John, Stephanie was driving down the
street and basically one of these little motorized scooters ran
a red light and hit her. And now the person
was taken away in an ambulance. She has no eye

(35:00):
idea about the condition. She only has liability. Can can
She almost bet someone's going to pick up this guy's
case somewhere.

Speaker 14 (35:11):
Oh no, I wouldn't say that.

Speaker 15 (35:14):
I mean it's you know, you have to have liability
in order to have a case, and so you know
what I would recommend that this lady do. I heard
the call, and I heard all the Yeah sure, the
other nuances of it was number one open acclaim with
her insurance company. I don't care that she doesn't have coverage.
She does have liability and they need to at least
be aware that this has happened so that in the

(35:36):
event that somebody did come knocking, they're prepared and know
exactly what happened.

Speaker 5 (35:40):
All right, Hold on and we'll recap this coming up.

Speaker 4 (35:44):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 5 (35:48):
You don't pay a cent until you're content.

Speaker 4 (35:53):
Time for an insurance check up free, no obligation comparison
call Compass Insurance Paying too much your cover at dozens
of insurance companies find out now three all 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 all three
nine two zero sixteen twenty two.

Speaker 1 (36:14):
Yeah, ripped.

Speaker 3 (36:21):
News.

Speaker 1 (36:22):
You need advis soho you don't.

Speaker 2 (36:24):
Have come run in stas as we can.

Speaker 1 (36:30):
Shooter's gonna help coming man.

Speaker 8 (36:34):
Six is the Troubleshooter Show Now Tom Martino.

Speaker 5 (36:38):
Hello, I'm Tom Martino.

Speaker 4 (36:40):
Welcome to the show. Three oh three seven one three
Talk is our number seven one three eight two five
five here to help you solve your problems, answer your questions,
take your complaints, and try to make.

Speaker 5 (36:52):
Your life a little easier.

Speaker 4 (36:53):
Give us a call three oh three seven one three talk.
We'll get you right in seven one three eight two
five five And I have with me renew home Innovations
dot Com guaranteed lowest price on furnaces and air conditioners
we've been talking about and by the way, Jennifer, we
will get you, I promise, and then Stephanie with John Fuller.
But real quick, there's a big change being taking place

(37:16):
with air conditioners again. Meaning remember the good old free
on days they were phased out with something and what
were they phased out with? Bo or Nick?

Speaker 5 (37:28):
Where were they with renew home way back.

Speaker 9 (37:30):
When it was for our twenty two And that was
phase back in the in the early nineties.

Speaker 4 (37:35):
Okay, So we went from we went from free on
to our two to our thirty two or whatever, our
twenty two whatever's and then from that we went to
another one for a correct and that's what we've been
currently using.

Speaker 5 (37:47):
Yes, but they're getting away from that too.

Speaker 9 (37:49):
They're going away from that here at January first, twenty
twenty five six excuse, So.

Speaker 4 (37:56):
What happens to all the ones in stock right now?
Can you get a special deal right now?

Speaker 9 (38:00):
There are some really extremely good prices on some of
those systems, So now is the time if you want
to save some money on those products.

Speaker 4 (38:08):
So if you need an AC, now is the time okay,
and we will talk about the wisdom of changing them
both out when you have the labor crews and the
people there already and getting even better prices. Now, John Fuller,
real quick here, if you don't always it's not always

(38:32):
a sure thing that you're going to be slapped with
a negligent suit in an accident. Obviously, she's afraid because
this guy was injured badly, but he ran the red light.
She believes he got a ticket. Does she just sit
back and wait? What did you say she should put

(38:52):
in a report with her insurance company even if she
was not at fault.

Speaker 5 (38:56):
Is that correct?

Speaker 11 (38:58):
Oh?

Speaker 15 (38:58):
Yes, I mean he's the victim here in this accident.
The other guy was negligent. She's got property damage and
stuff to deal with, So you know, I know she
only has liability, but I don't know that she doesn't
have uninsured motorists coverage. So she may have uninsured motorists
property damage coverage. She may have, you know, the ability

(39:19):
this guy could have had other vehicles in his household
that do have coverage, so there may be coverage available
to help repair her vehicle. So you know, there's a
lot of work to be done here. But I would
absolutely open a claim with her insurance company, just to
let them know that if this guy comes knocking, this
is what happened. The other guy got a ticket. Here's

(39:41):
what I can tell you about the accident. There's no harm,
no foul in opening a claim.

Speaker 4 (39:46):
Okay, that's what you should do. I mean, you can
take what John says to the bank. He's a great advisor,
he's an attorney at law. He handles these accidents all
the time. Stephanie, do you have any direct questions to
John Fuller? And of course you can always call him
directly and talk to him anyway, But but if for
for for purposes of the show, do you have any
other questions?

Speaker 13 (40:08):
No?

Speaker 11 (40:09):
And then so if I put in the claim with
my insurance company and I have to get if I
have to get my car fixed too, I have.

Speaker 16 (40:17):
To pay that and something like that, well, well, well yeah,
if you want.

Speaker 15 (40:22):
To have liability, there's no coverage on your policy for
the property damage to be done. If you get your
car repaired and have to pay out of pocket for that,
the fact that he got a ticket would open the
door for you claiming restitution through the court process and
make him pay for that. But if you do have
a much her property damage, then he can you know,

(40:43):
you can make your claim on your own policy.

Speaker 4 (40:45):
And then yet, first what you need to do, Stephanie,
is know exactly what.

Speaker 5 (40:51):
Kind of coverage you have.

Speaker 4 (40:52):
If you don't have collision coverage, you're not covered in
a collision. But there are coverages for people that can't
afford collision, or don't want collision, or have older cars.
And it's called uninsured motorist property damage. That's different than
regular uninsured motorists. It's what it does is it fixes

(41:15):
your car if someone uninsured runs into it. So do
you have uninsured property damage? I don't know.

Speaker 11 (41:26):
I'll have to look. I know, I don't know.

Speaker 2 (41:28):
I have to look.

Speaker 4 (41:29):
Okay, if you don't, Let's put it this way. If
you don't, then the only way you're going to get
your car fixed is to go after this guy directly
for payment. And as John said, anything, yea, he may
have much Okay, then you might just be stuck paying
for it. This is a terrible fact of life. John Fuller,

(41:52):
by the way, Fuller Law, and thank you for calling listen.
I wish I had better new Stephanie. But this system
is such that you can be stuck holding the ball
for all of these expenses. John Fuller is happily answering
questions to people, and again sometimes it's not good news,

(42:13):
but he can explore your coverages and talk to you
about it, especially when it comes to personal injury. And
you can find John all the time and talk directly
to him at three oh three five nine seven forty
five hundred. Three oh three five nine seven forty five hundred.
That's Fuller Law, John Fuller. Now here's the deal. We

(42:35):
have a situation where h Jennifer has an issue with
her neighbors, and then we have the other guy. Did
he call back about his U Heather Gardens? I thought
he was back on Did he hang up again? Anyway? Jennifer?
What's going on with you? Jennifer, welcome to the show.
What's happening?

Speaker 16 (42:56):
Thank you? Mister Martineau. So, I have been living in
this property for over twenty two years, and I had
neighbors moved in both on the north and south side.

Speaker 4 (43:08):
About now have you been have you been renting there
for twenty two years or.

Speaker 5 (43:13):
Do you own?

Speaker 16 (43:14):
Ah, this is our own house.

Speaker 4 (43:17):
Okay, okay, So you've been living in your home for
twenty two years.

Speaker 5 (43:22):
And what happened.

Speaker 16 (43:24):
So I have neighbors on the north side moved in
about three years ago, and then the same thing on
the south side, and they started doing surveys and pushing
the boundaries of the property.

Speaker 4 (43:39):
Wait, both neighbors, both the north and the south, they've
both been pushing the boundaries.

Speaker 16 (43:46):
Yeah, so yeah, that first the south side woman started,
she's her property is in the corner. So we have
an issue in the entire neighborhood where the property boundaries
are not very or very straightforward. Okay, we had an
angle on the paper, slight angler on the paper, but

(44:09):
in physical boundary, they you know, built or built it
straight line for waterflow and such. So this neighbor on
the south side moved in in twenty twenty two June,
and she started. She put a fence on her side
of the retaining wall without pushing the boundary that October,

(44:30):
but for some reason she went and got to survey
and she pushed the boundary. Property.

Speaker 4 (44:37):
When you say, here's what I don't understand. I just
need a little help here. What do you mean she
pushed the boundary? What does that mean?

Speaker 16 (44:47):
So she put a new fence, she had an existing
fence on the historical boundary in October twenty twenty two,
and then what.

Speaker 4 (44:56):
Do you mean she pushed? So she moved it over
onto your property, on to.

Speaker 16 (45:01):
The one we have been maintaining for sixty years, I
mean before me, my previous Okay, Well, why.

Speaker 5 (45:07):
Didn't you stop?

Speaker 4 (45:08):
Why didn't you stop her and tell her that she's
on your property?

Speaker 16 (45:13):
We were out of town. She kind of did in
a when we were out of town. So before I
left town, I sent she was doing something. So I
put a test to her saying, please do not trustpass,
do not come on to our property.

Speaker 4 (45:30):
Okay, and which one? Which one is this? The one
on the north or the south side?

Speaker 16 (45:35):
So the south side, you know, I'm focusing mostly on
southside until.

Speaker 5 (45:39):
Okay, let's do that.

Speaker 16 (45:40):
Then yeah, so it's the south side's.

Speaker 4 (45:45):
So did she put up a new fence or did
she use the old fence?

Speaker 16 (45:49):
She put up the new fence in March of twenty
twenty three when we were out of town, and even
though we asked her not to trespass, she put a
new fence, and she, you know, did it overnight.

Speaker 4 (46:03):
Well, let me ask you this, Jennifer, if we were
to call this neighbor, would she say that's my property
or would she say, no, it's not my property, do
something about it.

Speaker 5 (46:13):
I mean, what would her attitude be.

Speaker 16 (46:15):
Her attitude would be, you know, it's my property. I
don't care if it was maintained by you guys for
fifty years. You know, go figure out and spend all
the money on attorney. That's been her attitude all along.

Speaker 4 (46:29):
Okay, well, okay, to some degree, you should have done
something sooner. It's been there since twenty twenty three, and
so you're gonna in just a few months it's going
to be three years that she's had that. You're claiming
you had that property for twenty years or more before that.

(46:51):
Are you the one that put up that fence or
was it there when you moved in?

Speaker 16 (46:56):
I it was there, so there was no offense. When
she bought the property, she put the she put the
fence in Okay, twenty twenty two on her side got
her because she has a dog, and then she moved
it over in March of twenty twenty three, so she
got it. Point, she got two fences until she the
one on her side.

Speaker 4 (47:16):
All right, So Jennifer, before that neighbor came. There was
no there was no fence anywhere.

Speaker 16 (47:23):
Yeah, there was nor Hold on, Hold.

Speaker 4 (47:26):
On, I I I'm going to tell you what you
need to do and and if you follow the directions,
it'll work.

Speaker 5 (47:32):
Now you may not win.

Speaker 4 (47:33):
But I'll tell I'll give you your steps coming up.

Speaker 5 (47:35):
It's really important.

Speaker 4 (47:37):
Three oh three seven one three talk seven one three
eight two five five. Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a
cent until your content time for an insurance check up free,

(47:58):
no obligation. In comparison, call call help US insurance paying
too much your coverage at dozens of insurance companies. Find
out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank
Durand the real estate Man dot com to list your
home with Remax Alliance. Three oh three nine two zero
sixteen twenty two. Hey Tom Martino here, Welcome to the show.

(48:25):
Three oh three seven one three talk seven one three
eight two five five.

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(48:52):
three O three eight six two five five five four.
Now let's uh, let's continue here and uh. Jennifer says
her neighbors on the north and south sides start are
starting to make moves with fencing and stuff to encroach
on her property. The south side neighbor moved her fence

(49:13):
on March of twenty twenty three, and basically she's upset
that the fence is now on her property. Jennifer, in
order to make the claim that the fence is on
your property, you don't have an adverse possession claim right
now because you didn't assert it.

Speaker 5 (49:32):
You kind of broke You broke the.

Speaker 4 (49:34):
Line of possession by allowing them to put up a
fence and not challenging it three years ago.

Speaker 5 (49:43):
What you need to do.

Speaker 4 (49:44):
Now is simply do a lot line of verification with
a surveyor. You have to do it. Visual sightings don't
work even if you have the original monuments. They're called
the that are in the ground, either steal or concrete.
Even if you have those original pins and you can

(50:07):
draw a line from one to the other, a court
would require you to have a certified survey. So if
you believe the fence is on your side, you can
get it moved, but first you need to have that
lot line plotted by a licensed surveyor a real surveyor.

Speaker 5 (50:34):
Do you think you can do that?

Speaker 16 (50:36):
I have the survey and I hired two attorneys, and
they said, you know, survey always wins in the court.

Speaker 4 (50:44):
So, Jennifer, did you hire I just need Did you
hire a surveyor?

Speaker 11 (50:50):
Yes?

Speaker 13 (50:50):
Yes?

Speaker 4 (50:51):
Did they verify that the fence is on your property?

Speaker 2 (50:58):
No?

Speaker 16 (50:59):
They said it is according to the survey it is hers.

Speaker 5 (51:04):
Okay, then why are you still fighting it?

Speaker 16 (51:08):
Because that was maintained. So the entire neighborhood is like that.
The reason that I'm fighting it is because it costed
a lot of money damages.

Speaker 5 (51:21):
And what damages did you suffer? Jennifer?

Speaker 16 (51:25):
So trees? So she killed almost a fifty or sixty
year old free by pouring concrete around the roads, and
then because she pushed it.

Speaker 4 (51:37):
By but why do you believe Why do you believe
though the fence is on your property when a surveyor
said it's on her property.

Speaker 16 (51:48):
Because for sixty years we maintained that piece of land
and anchored over twenty thousand dollars of cuss.

Speaker 4 (51:56):
Okay, So but you let her encroach on it. In
twenty twenty three, when.

Speaker 16 (52:03):
We were out of town. I tried to stop her.
My lawyer sent her the letter, and she just she
So lawyers gave up on her because they said she's
a proat.

Speaker 4 (52:14):
What does your attorney tell you? What does your You
have an attorney dealing with this?

Speaker 16 (52:19):
Yeah, my attorney's told me I can go to quote
and file advert position, but it can go fifty to
fifty and it can count right up to thirty five
thousand dollars.

Speaker 4 (52:30):
Thirty five thousand would be cheap. Here's what I need
to know. How important? How much property are we talking about?
One foot two feet, three feet?

Speaker 5 (52:41):
How many feet?

Speaker 16 (52:43):
So it starts at one feet in the back to
ten feet in the front, meaning it's at an angle.
So she encroached by one okay.

Speaker 4 (52:52):
Partner and okay, how many years have you actually been
there with this property? Not how long it's been maintained
by this But how long have you been did you
say twenty two years?

Speaker 2 (53:03):
Yes?

Speaker 4 (53:04):
Yes, okay, so that's all that counts. The previous the
previous owner's own account. So if you maintained a slice
of property for more than twenty two years, do you
have ownership rights?

Speaker 5 (53:17):
That's what you're asking, and you would have.

Speaker 4 (53:21):
I'm looking up a previous case. This sounds exactly like
a previous case, and I'm thinking that you would have
if you asserted them right when she started encroaching. But
you allowed her to put up a fence. And that's
why your attorney said it can go either way because
it's not an adverse possession claim at this point.

Speaker 5 (53:44):
You you you.

Speaker 4 (53:46):
Broke the line of possession by letting her put up
a fence.

Speaker 16 (53:53):
I have a test message telling her not to trespass,
and she's still this.

Speaker 2 (53:57):
So I that's it.

Speaker 4 (53:59):
Hold on. That is exactly the opposite of what you
should have done by telling her not to. You made
adverse possession hers now. Now, adverse possession means they don't
have permission to do what they're doing. Okay, that's what
it means. And the clock starts ticking when they don't

(54:22):
have permission. What you should have done is said, I
give you temporary permission while I researched this property line.
Because you don't have you don't have an argument. Let
me just put it that way. Adverse possession is only
if you assert that at the time somebody's trying to

(54:46):
take it away from you, the claim of ownership it
would be eighteen years or longer.

Speaker 5 (54:52):
You have the right amount of time, and.

Speaker 4 (54:55):
You were using it, you were mowing it right, and
you were treating as your own Okay, okay. So if
your claim is kind of dead right now because she
took it over again and you didn't protest it, I
don't think now you might want to take it to

(55:17):
court if it's important to you. But as your attorney said,
it's fifty to fifty. The continuous eighteen years were there
and then she broke it. She broke it by putting
up a fence. Now she has adverse possession if it
stays there for a certain amount of time.

Speaker 5 (55:38):
That's all I can tell you.

Speaker 4 (55:39):
You do not automatically own that piece of property.

Speaker 5 (55:45):
Tom, Tom, do.

Speaker 13 (55:46):
You think Jennifer could get another opinion from Bradley O'Brien.

Speaker 5 (55:51):
Well, Brad O'Brien.

Speaker 4 (55:53):
We can call for sure, absolutely, but you know it's
the survey.

Speaker 5 (55:59):
Doesn't he show us her property?

Speaker 4 (56:02):
I mean it's it's the other person's property by survey.
She's claiming she took it over when she moved in
there eighteen years ago. Well that's possible. But what I'd
like to know from Brad O'Brien, and it's a good idea,
is what did that fence then do to break that
chain of custody? What did it do to break it?

(56:24):
We'll ask Brad if he can come on, Let's get
him on, all right, Jennifer hang on, and we'll try
to figure out if adverse possession can be asserted. But
remember this, even if you want to assert adverse possession,
you have to do it in court. Okay, it's not

(56:45):
going to be automatic. You're not going to go up
and say move the fence and she's going to move it.
You're going to have to do it by by going
and taking her to court. Three zero three seven one
three talk seven one three eight two five five go

(57:07):
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Speaker 5 (57:11):
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Speaker 4 (57:16):
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Speaker 5 (57:26):
Help.

Speaker 4 (57:27):
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 5 (57:41):
Hi Tom Martino here, Welcome to the show.

Speaker 4 (57:44):
By the way, renew Home Innovations dot Com in the
house guaranteed lowest price on furnace installations, and they mean.

Speaker 5 (57:52):
It, guaranteed lowest price. We'll be talking in.

Speaker 4 (57:54):
Coming up here, we have Brad O'Brien on a real
estate atturn and I want to.

Speaker 5 (58:02):
Sum this up for Brad.

Speaker 4 (58:03):
Brad, Jennifer has been at her place for twenty two
years and she has always mowed and took care of
There were no fences or anything, but there was a
strip of land adjacent to hers. It belongs to the neighbor,

(58:23):
but she's always mowed and taken care of it and
considered it her own.

Speaker 5 (58:30):
Jennifer.

Speaker 4 (58:31):
Basically, it was a swath of land alongside adjacent to you.
Did you do anything else on that land? Did you
build anything on it? Did you put in special landscaping
or was it just the lawn?

Speaker 2 (58:45):
So it was shrubs.

Speaker 16 (58:47):
There were like a lot of shrubs maintenance again.

Speaker 4 (58:51):
And these are shrubs. These are shrubs you put in.

Speaker 16 (58:55):
No, they were there since the house was built sixty
years ago.

Speaker 4 (58:59):
Okay, sixty years Those shrubs were alongside.

Speaker 5 (59:03):
You came twenty two years ago.

Speaker 4 (59:05):
And started taking care of it twenty two years ago.
And okay, So here's what happened, Brad the neighbor. And
by the way, this property is, according to survey, on
the neighbor's land. This swath of property is the neighbor's
land according to survey. But Jennifer for twenty two years

(59:27):
has been treating it as her own. Did you put
any irrigation in the ground there, Jennifer.

Speaker 16 (59:34):
No irrigation.

Speaker 5 (59:35):
I say, fine, okay, Brad, that's fine.

Speaker 4 (59:38):
I just need to know the basic So, Brad the
neighbor now comes and puts up a fence on her property.

Speaker 5 (59:46):
But it looks like it's.

Speaker 4 (59:48):
Encroaching on Jennifer's property because Jennifer called it her own.

Speaker 5 (59:53):
So here's what happened.

Speaker 4 (59:55):
The fence went up in twenty twenty three.

Speaker 5 (01:00:00):
From all the articles I.

Speaker 4 (01:00:01):
Can find and research, she had a claim for adverse
possession after eighteen years, and she still has that claim,
but she has to take it to court again. I'm
just giving a fifty thousand foot overview.

Speaker 17 (01:00:18):
What do you think, brad Well, if someone does have
a successful claim for adverse possession, the title passes to
the adverse possession automatically upon the eighteen years of advers possession,
But you still have to go to court toa they're
legally recognized as a record title.

Speaker 4 (01:00:36):
And can't they even make her pay fair market value?

Speaker 17 (01:00:41):
Yes, the law changed in two thousand and eight to
make it more difficult and more costly for somebody trying
to claim adverss possession. So one of the changes was
you have to pay market frame market value for the
land that you acquired through adverse possession. And one of
the other changes that was made at that time was

(01:01:01):
that now the address possessor has to have had a
good faith belief that the property was theirs for some reason.

Speaker 4 (01:01:10):
Okay, okay, And Susan's going to make the argument excuse me,
Jennifer is going to make the argument that she did
think it was her property.

Speaker 5 (01:01:18):
Isn't that right, Jennifer, Yes.

Speaker 16 (01:01:21):
I was totally it was all it belonged to us. Yeah.

Speaker 4 (01:01:25):
And at the time you purchased it, were you given
a survey? No, you never did a survey on your
property when you purchased it.

Speaker 2 (01:01:34):
No.

Speaker 16 (01:01:35):
On this entire neighborhood has the same problem if someone
is sitting on someone else's property.

Speaker 4 (01:01:40):
Okay, all right, So Brad, what does she do now
that there's a fence up there?

Speaker 17 (01:01:49):
Well, it was a fence put on the old property
line or was it in fact on her side of
the old property.

Speaker 4 (01:01:55):
Before advocating the fence was put up on that on
the neighbor's property.

Speaker 5 (01:02:02):
But that it's part of the dispute.

Speaker 4 (01:02:04):
It was put up on the disputed property.

Speaker 5 (01:02:06):
Let's put it that way.

Speaker 4 (01:02:08):
The defense was put on the disputed property. O.

Speaker 17 (01:02:11):
Yes, she doesn't have a claim to have it to
call it an encroachment except through a good claim for
advers possession. So that requires going to district court and
doing a year long court case. That's how I need
to take her to get to trial. In many counties,
it's very expensive, and so the question is is that
worth it?

Speaker 13 (01:02:31):
To her.

Speaker 17 (01:02:32):
But then the legal questions involve several elements that have
to be proven to make a good claim for advers possession,
and the good faith belief that the property was yours
is a question in fact for the judge or jury
to decide. Actually the judge decides this case. It's because
it's a quiet tidal matter. And I understand that Jennifer
has the believes that the property was hers, but I'm

(01:02:54):
not sure that she had a good faith reason to
believe that, just not knowing she didn't get a survey
to know one way or the other, and somebody told
her that it was hers.

Speaker 14 (01:03:03):
Well, that's the question of fact.

Speaker 4 (01:03:06):
Whether that was a really brad I thought the whole
idea of adverse possession is that you know it's not
yours and you adversely possess it anyway.

Speaker 17 (01:03:16):
That's what got changed in two thousand and eight. You
could unformately just squat on a property for eighteen years,
just hostiley, Okay, squat and it's yours. But now you
have to have had a good faith belief. For example,
if there was a mistake in a survey, or if
you had a deed that you thought was yours, but
it turned out to be. I mean, I thought they

(01:03:36):
gave it to you, but it turned out to be defective.
But for that default, thy would have been good.

Speaker 16 (01:03:42):
So basically told me that's how they maintained it. And
he lived there for forty years before me, and so
he said, this is all yours, none of our business.
You maintain it and that's how it has always been.
So he kind of forced us to maintain that, and
nobody got the survey, so we just kind of followed
what was before we moved, right, You just moved in.

Speaker 4 (01:04:06):
You just moved in and continued to maintain that property
believing it was part of your land.

Speaker 17 (01:04:14):
Yes, okay, Well, it is possible that the eighteen years
was satisfied before you even purchased. If that's true, then
you might be able to still claim address possession adverse
possession based on the law how it was before two
thousand and eight, assuming that the eighteen years has met
before July two.

Speaker 4 (01:04:30):
Thousand, Here's what I wanted to know, Brad. If I
moved into a place and the neighbor was maintaining a
piece of property for ten years, would I inherit that
ten years and go another eight years for adverse possession
or does it have to be all eighteen under one owner.

Speaker 15 (01:04:49):
Yes, that's called tacking.

Speaker 17 (01:04:50):
You can tack former owners ownership together with yours and
together to be the eighteen years.

Speaker 4 (01:04:57):
Okay, but right now the fences there, she has to
go to court to have it removed and to own
that property. Right. So, Jennifer, the sense did not kill
your claim. It's you still have a claim, but you're
going to have to take them to court.

Speaker 16 (01:05:20):
Okay.

Speaker 4 (01:05:22):
I mean there's no automatic here. There's no automatic. Get
it removed. You know the police aren't going to come
out there and make them remove it. No one is
going to make them remove it. Now you can try
negotiating with them. Are you willing to give up the
land for any amount of money or not?

Speaker 16 (01:05:45):
Well, I mean, if it costs more than thirty five
thousand dollars I have to lay in and worked it
or not. But that's not the whole damage she has
done by she moving that property line to my outside.
The problem my northside has is the same thing. They
were maintaining the same ways, but they were not maintaining.

(01:06:09):
They just let the weeds grow. But nobody maintained that
same one foot in the back to tempede in the
front land on the other side. So they came in
with their survey and destroyed the retaining wall that was
put on based on historical boundary and built a fence.

Speaker 5 (01:06:27):
And when did they do this? This is the other neighbor.
Now when did they do that?

Speaker 16 (01:06:31):
The other neighbor followed suit with the south neighbor and
did this in July twenty twenty four, just last year.

Speaker 4 (01:06:38):
Okay, well, here's what they're doing. They're saying, you know what,
the survey shows it's our land. We're not recognizing her
right to adverse possession. So they're saying if she doesn't
like it, she can sue. That's what they're doing. They're
simply using their survey to put up their wall and
their fence, and you you have to fight for it, Jennifer.

Speaker 5 (01:07:02):
It's not automatic.

Speaker 4 (01:07:05):
I mean it is automatic in the law that it
reverts to you. But if you do not now go
after it, what will happen?

Speaker 5 (01:07:14):
Brad?

Speaker 4 (01:07:14):
Will it remain in her name for the next eighteen years?

Speaker 17 (01:07:18):
I see, if the former owner had a good claim
for adwards possession for eighteen years and then Jennifer now
owns that claim, then that can be destroyed by the
other neighbor than establishing another eighteen years.

Speaker 14 (01:07:31):
So you know, sixteen years, okay.

Speaker 5 (01:07:34):
Got it.

Speaker 4 (01:07:35):
So Jennifer, the other neighbor now has an adverse possession
claim after eighteen years, so you're going to have to
do something to make sure that claim is broken. So
you make sure you maintain it again. It's easily going
to call. I mean, now you're talking two neighbors, one

(01:07:56):
on each side. It's easily going to cost you, in
my opinion, forty five fifty thousand. You have two claim
and you have to hire professional witnesses, surveyors and experts.
I mean, you're not just it's not easy, let's put
it that way. But the quick answer to your question,

(01:08:16):
Brad O'Brien, by the way, thank you very much. Obrian
Legal Services for everything real estate seven two zero three
seven zero seventy three eighty eight seven two zero three
seven zero seventy three eighty eight. That's O Brian Legal Services.
So the short answer to you is, yes, it's your
property by adverse possession. No, it's not automatic, and somebody

(01:08:38):
can encroach on it and you're going to have to
go to court to perfect it.

Speaker 5 (01:08:42):
That's just the simple answer. We have more coming up.

Speaker 4 (01:08:48):
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Speaker 5 (01:08:52):
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Speaker 4 (01:08:57):
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Speaker 5 (01:09:08):
Help.

Speaker 4 (01:09:08):
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 three three seven

(01:09:30):
one three talk seven one three eight two five five,
or you can call three oh three Martino twenty four
to seven.

Speaker 5 (01:09:36):
Let's get back to the phones.

Speaker 4 (01:09:37):
You know, Susan had a problem and she just didn't
know what to do. She called last week and she
was up north. She has an Infinity X thirty five
and it had a multitude of problems and she she
just didn't know what to do. And we said, you
know what, we have someone we're going to send you
to up there. And there he's a really good guy.
Tom Magio over at hands On Auto Tech, and what

(01:10:03):
what was the experience, like, Susan, So I.

Speaker 12 (01:10:08):
Had a really good experience, but it's still not fixed.
So basically Tom went. Tom went to.

Speaker 4 (01:10:14):
Back for me.

Speaker 12 (01:10:16):
He he talked to those people who at the other
place about my fuel pump because he said, it's the
fuel pump again, and so he had to email the
corporate it's a corporate place.

Speaker 4 (01:10:28):
And now what was the previous place? Well, I'm trying
to find your call. What was the previous place?

Speaker 5 (01:10:33):
You had gone to.

Speaker 3 (01:10:35):
American Auto Attire and Lafayette and they did what for you?

Speaker 5 (01:10:40):
That did turned out to be wrong? What did they
do for you?

Speaker 2 (01:10:43):
Well?

Speaker 12 (01:10:44):
I ended up getting charged for throttle bodies I didn't need.
I got charged for crank sensors I didn't need. I
got charge over three thousand dollars for things I didn't need.
The only thing I guess I really needed was that
fuel pump. But this just has gone on for four
months now.

Speaker 4 (01:11:00):
Susan, excuse me, I'm sorry, Tom. Did you think she
was taking advantage of Tom at hands on Autotech?

Speaker 14 (01:11:11):
So I gotta tell you look at it. We did
a fuel pump test and it failed horribly. The opposedly
new full pump is only putting out at the past
twenty pounds of pressure. Twenty pounds of pressure, and when
you've got started, it takes so long to build pressure.

Speaker 4 (01:11:34):
All right, I want to talk about this and see
what we can do to help her. If she's paid
money she shouldn't have paid. Go with a sure thing
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Speaker 5 (01:11:43):
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Speaker 4 (01:11:49):
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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 Yeah, rita,

(01:12:16):
you need so you don't have.

Speaker 2 (01:12:22):
Come? Run in just as fast as we can.

Speaker 1 (01:12:25):
Show Shooter's gonna help.

Speaker 5 (01:12:27):
Me come Man six is the Troubleshooter Show.

Speaker 4 (01:12:32):
No Tom Martino, Okay, I'm Tom Martino and I believe
Major Mark Majors on is.

Speaker 5 (01:12:38):
He Oh yeah not?

Speaker 4 (01:12:41):
Oh there you are bro Okay, so we've been talking
about a lot of interesting things. Say, I'll recap in
a minute, but I want to go to the phones
because we have an expert on Tom Magio with hands
On Auto Tech in meat, Colorado and it's up North
well Worth to drive if you're around that area up there,
Tom is excellent. Uh. Anyway, what happened is Susan called

(01:13:03):
and said, I had a bunch of work done, basically summarized,
had a bunch of work done on my car, and
I believe some of it was shot he not needed
or not done. I said, you know what, let's get
to the bottom line and let's let Tom Magio over
at hands On Auto Tech take a look at your invoice,
what you were charged for and what.

Speaker 5 (01:13:19):
You got, and let's get it evaluated.

Speaker 4 (01:13:22):
That's the first thing we need to do before we
start going after the other the other shop. Susan, what
was the name of the other shop?

Speaker 12 (01:13:31):
American Auto Entire and Lafayette.

Speaker 4 (01:13:35):
Okay, American Auto Entire. So how much did you spend
with them?

Speaker 12 (01:13:43):
Over three thousand and thirteen dollars something like that.

Speaker 15 (01:13:47):
I have to make.

Speaker 16 (01:13:49):
Golley by a couple.

Speaker 4 (01:13:52):
Yeah, So so about thirty five hundred.

Speaker 3 (01:13:58):
Yeah, okay, So.

Speaker 4 (01:14:02):
What brought you to that shop? To begin with? American
Auto and Tire in Lafail. What brought you there?

Speaker 12 (01:14:11):
Basically, when I first got my car from the tall
they shipped it to me and then I was driving
it for the first.

Speaker 16 (01:14:20):
Week and then it ran out of it sold.

Speaker 5 (01:14:24):
Is this a used car that you bought?

Speaker 11 (01:14:27):
Yeah?

Speaker 5 (01:14:29):
Oh man, so you got hit twice.

Speaker 4 (01:14:31):
You got hit by the guys that sold you the car.

Speaker 5 (01:14:35):
Oh man.

Speaker 4 (01:14:36):
Okay, So let's go to tom Agio hands on Auto
tech Tom looking at the invoice? What was she in,
what she was charged for, and what she got? What
did you find.

Speaker 14 (01:14:50):
They say that they invoice. If they did they put
it effect the field pump in it, it's not creating
the pressure it needs to should be creating over fifty PSI,
it's only creating twenty.

Speaker 5 (01:15:04):
What else did you find they did wrong or did
not do right?

Speaker 14 (01:15:08):
So, I don't know if they have good justification. They
put in a they put in a crank sensor. I
don't know why they wanted to do that. It doesn't
really stay on there. And then after they had the
full fuel pump in there and it wasn't solving the problem.
They told her that she needed for attle body and
they I guess, they had her get her own prattle bodies.

(01:15:31):
They installed those, it still didn't solve the problem because
it clearly needs a fuel pomp. She had taken it
to the unfity dealer who also took a video of
the fuel pumped pressure test and it clearly shows that
the fuel pump is not creating the pressure. So both
the dealer told her and I told her that they
put in a defective fuel pump before that I could

(01:15:53):
even agree to warranty it.

Speaker 4 (01:15:56):
Yeah, so what do they say, Susan, if you call
this place and said I have a defective fuel pump,
what will American Auto Entire say.

Speaker 12 (01:16:08):
I already went over there and told them that everybody
told me it was a bad pull pump, and they said, Susan,
it is not the bad fuel. Put your throttle body.
So I said for sure to throttle body said yes,
and I said, I can't afford what you guys want
to put it in, but I will buy him to
put him in, because he was definite was the provle body.

Speaker 5 (01:16:27):
And after the throttle body, it didn't fix.

Speaker 12 (01:16:31):
Now, and they told me to get airtake hoses.

Speaker 4 (01:16:36):
Hey, Tom, Tom, wouldn't a throttle body cause the problem
she's having?

Speaker 14 (01:16:42):
A pratle body would not cause the fuel pressure to
drop to twenty pounds?

Speaker 4 (01:16:46):
Now, why would they tell her that? Did they just
not know what they're talking about?

Speaker 5 (01:16:52):
Or what I mean?

Speaker 4 (01:16:52):
Why would they say it's not your fuel pump, it's
your throttle body.

Speaker 14 (01:17:01):
Where he tried to start convincing me that he had
done thirteen hours of diagnostic work and all sorts of
other items in the vehicle. And what confuses me is
why wouldn't he just put another fuel pressure gauge on it?
Why wouldn't he just run one more fuel pressure. It's
a very simple system. Power goes to the pump, The

(01:17:23):
pump is powered and provides pressure to the front of
the engine. You can put a gauge on there and
take a simple measurement. So I'm not sure what he
was having trouble with. But you know, like I said,
both myself and the dealer rand okay, very clear and
easy to read result.

Speaker 5 (01:17:39):
How much is it going to cost her to get
a car running.

Speaker 7 (01:17:44):
If I were to.

Speaker 14 (01:17:44):
Put a dealership pump in there? And Susan, I sent
this essmate to you I think, But let me see
if I could pull it up and real quick, I
want to say it was like about eight hundred dollars.

Speaker 7 (01:17:58):
Hang on one.

Speaker 2 (01:17:59):
Tech?

Speaker 14 (01:18:04):
Yeah, well a dealership fuel pump installed is one thousand
dollars and fifteen one zero one five.

Speaker 5 (01:18:14):
Okay, what you ought to do this, Susan.

Speaker 4 (01:18:19):
Once he does the new fuel pump and it fixes it,
you're going to have something to take this place to
small Claims court with. You're going to have a bad
fuel pump that you paid for and you shouldn't have.

Speaker 2 (01:18:34):
Uh.

Speaker 4 (01:18:34):
As far as the other problems, I mean, it's just
let's just suffice it to say, you don't want to
go back there, Tom, Did you get the impression they
knew what they were talking about when you talk to them.

Speaker 14 (01:18:47):
Not when so. Interesting thing is when I did talk
to them, the tech tried to convince me that I
was wrong about the fuel pump.

Speaker 15 (01:18:55):
Right when he.

Speaker 14 (01:18:56):
Failed in that, I said, well, if I put the
fuel lump in and it solves the problem, would you
guys reimburse her for that cost? And he said he
couldn't make that decision. He sent me back to the
front counter girl. She also said that she could not
make that decision. There was nobody in the building that
could offer a refund or authorize the of the vehicle,

(01:19:18):
and so they had to wait until they reached out
to the general manager of the corporation to get approval
for that.

Speaker 4 (01:19:25):
And what happened then.

Speaker 14 (01:19:26):
He finally responded, he only authorized for them to redo
the pump at their location. He is not authorizing to
have me do the pumps.

Speaker 4 (01:19:36):
Okay, but they will redo it. Is that the way
it stands right now, they will redo.

Speaker 14 (01:19:40):
Itarly authorizing to do the pump under warranty for her
at their location.

Speaker 4 (01:19:46):
Well, we should at least give them the chance. What
do you think, Tom, There's no downside to that, right,
I mean, that's.

Speaker 14 (01:19:52):
The only troice at this point unless she's going to
get an important that can get expensive.

Speaker 4 (01:19:57):
And right, here's what I suggest, Susan, before you go
to small claims court and have Tom do it, at least,
let's give them a chance to fix it. Let them
replace the fuel pump and see what happens. Let's do
that all the thing. You remember I told you.

Speaker 5 (01:20:11):
The very first What's.

Speaker 12 (01:20:14):
That They're going to end up giving the cheaper one
like before, and they'll probably end up putting. I just
don't trust them because they remember they said it was contaminated,
a guess and all this show no.

Speaker 4 (01:20:26):
I understand they're a moving target. But Susan put her
on hold for a second. The background noise in Tom
tom Agio hands on auto Tech. By the way, meet
Colorado seven to zero three four zero forty twenty four.
He's a great guy, hands on auto Tech. Okay, the

(01:20:46):
point I'm making is this, right now, if they're willing
to do it, we give them a chance. If it
turns out it doesn't work, you'll have strong you'll have
strong evidence to take in the small claims court for
a ref But I think the path of least resistance
right now is at least giving them a chance.

Speaker 5 (01:21:06):
That's all we can recommend.

Speaker 4 (01:21:08):
Remember we wanted to get an independent opinion. We did
tom Agio hands on Altitech saying listen, it's defective, let's
do something about it, and they're going to replace it.

Speaker 5 (01:21:21):
At least let's give them the chance.

Speaker 4 (01:21:22):
Now, Boa is working with someone on a security camera issue,
Bob's got a sentry link issue, and we have other
things going on. So we have, for example, we have
renew home innovations dot com in the house renew Home
Innovations dot com with the guaranteed lowest prices on furnace

(01:21:44):
and AC installs. We'll talk about that and more coming up.
But I want to tell you about Denver Regen. We
know that they do testosterone replacement. They can do hair
treatments with stem cells for thicker hair.

Speaker 5 (01:21:56):
They did it for me, It's amazing.

Speaker 4 (01:21:58):
And they do weight loss drugs at a pennies of
the JLP one injections for pennies on the dollar. They
also do let's not forget their core, which is stem
cell therapy for painful joints and tendons, and they do
a great job. Denver Regen dot com. Go with a

(01:22:21):
sure thing Denver's Best roofer Excel Roofing dot com.

Speaker 5 (01:22:25):
You don't pay a cent until you're content.

Speaker 4 (01:22:30):
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 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.

Speaker 5 (01:22:54):
Hey Tom Martino.

Speaker 4 (01:22:57):
Your troubleshooter three oh three seven one three seven one
three two five five. So let's get Kathy and Kevin
up the security.

Speaker 5 (01:23:07):
The bow.

Speaker 4 (01:23:09):
Vivind home security system was installed in June and they
went to get out of the contract. They wanted to
get out of the contract, and they say they can't
afford the monthly payments anymore. And the sales Rep's name
is James. What was the problem, Kathy or Kevin? You

(01:23:31):
couldn't get through to the person or what? What is
the main issue that we put Deputy Bow on.

Speaker 18 (01:23:38):
Well, the main issue is we couldn't get a hold
of James, and uh somehow it went back sales rep. Yeah,
and so when you had this tremper over devout, he
did an awesome job. We gave him all the information
and we just wanted to say you and all your Oh, bo.

Speaker 4 (01:24:05):
What happened? Bo? What what turned out? What did this
turn out to be? Were you able to get through
to them? Yes?

Speaker 19 (01:24:11):
I think Kathy and Kevin are very lucky.

Speaker 13 (01:24:13):
They did sign this Vivid contract back in I believe
it was June.

Speaker 19 (01:24:18):
And there's this door to door salesman.

Speaker 13 (01:24:21):
I think bamboozled them into signing and they said they
didn't sign anything, but they did, and they did only.

Speaker 19 (01:24:28):
Have a three right, three day with three day decision.

Speaker 13 (01:24:31):
Okay, so they absolutely we were stuck in the mud there.

Speaker 19 (01:24:37):
They wouldn't talk to me. They wouldn't, they wouldn't.

Speaker 4 (01:24:40):
So what did you end up doing?

Speaker 19 (01:24:41):
Man, Well, this is what I did the other day.

Speaker 13 (01:24:44):
I was just on hold for almost two hours, and
I just insisted on talking to a supervisor. And then
I got a little heated with them and I was
able to get a hold of one of the I believe,
like a vice president, and I was just so upset
about the poor custom from a service and how they.

Speaker 19 (01:25:01):
Took advantage of these people.

Speaker 13 (01:25:03):
And they eventually came through and they came out, I
believe Saturday, and they're resending the contract. And I believe
they removed all the security equipment.

Speaker 4 (01:25:16):
Wow. And now remember Kathy, I'm.

Speaker 3 (01:25:22):
Going to give.

Speaker 4 (01:25:24):
The dinger there.

Speaker 5 (01:25:24):
That's good. Now, here's what I want to say.

Speaker 4 (01:25:26):
Kathy, be really careful before you sign anything.

Speaker 13 (01:25:33):
Definitely to Also, I want to tell Kathy and Kevin,
people come to the door, you don't recognize don't answer it.
If people call you, you don't recognize the phone number,
don't answer it.

Speaker 19 (01:25:46):
It's really a contract.

Speaker 13 (01:25:49):
If you're in a situation where you have to sign something,
i'd get an attorney to look at it or a
family member. You just don't ever want to get in
this position again. And I think we're very fortunate that
we're able to get out of this five year contract.

Speaker 4 (01:26:02):
Yes, we are very fourteen. So is Kevin there as well?

Speaker 18 (01:26:08):
Yes, he has tol me and I we got you
on speaker.

Speaker 5 (01:26:12):
Okay, Kevin, is Kevin your brother?

Speaker 3 (01:26:15):
Yeah, we're brothers and sisters.

Speaker 4 (01:26:18):
And you live in and do you live with your parents?

Speaker 5 (01:26:20):
You live alone? What do you do?

Speaker 4 (01:26:22):
You live live alone?

Speaker 20 (01:26:25):
We lost our parents many years ago.

Speaker 5 (01:26:29):
Okay, And you live in the home where you grew up.

Speaker 18 (01:26:33):
No, we kind of moved around because my dad had
cancer really bad and he just passed away and.

Speaker 3 (01:26:42):
Two that's too bad.

Speaker 2 (01:26:43):
Yeah, and he.

Speaker 18 (01:26:46):
Wanted to be with his other two kids because they
didn't want to come out there to see him. So
my dad said, we'll put the house up and move here,
which is kind of stupid.

Speaker 5 (01:26:58):
So you're living okay, So you guys own the home.

Speaker 4 (01:27:02):
You're living in Well yeah, okay, Well, thank you for
calling us, Kathy and Kevin, and if you ever need
more help, don't hesitate to give us a call, but
be careful whenever as.

Speaker 5 (01:27:17):
They tell you.

Speaker 4 (01:27:18):
As Bo just said, if you don't recognize who you're
dealing with, give us a call.

Speaker 5 (01:27:23):
We'll be happy to help you.

Speaker 4 (01:27:25):
We just don't want you falling into another trap, for sure,
Deputy Dmitri, we have a We don't have the guy
on yet. Are we getting the consumer back on? We
wanted to give him some answers on.

Speaker 8 (01:27:38):
I don't think so. It sounds like we weren't able
to get his names, but that's okay. We can get
the information.

Speaker 5 (01:27:43):
I'm sure he's listening.

Speaker 4 (01:27:44):
He wanted to know how to transport a snowmobile from
where he bought it, and I said, hey, why don't
we check it out? And you called a few places
I believe Mark said to call, you know, call the
motorsports places to sell these things.

Speaker 5 (01:28:00):
They probably ship them all the time.

Speaker 8 (01:28:02):
What did we find out, Well, the first three motorsports places,
including Vickary, which Mark mentioned by name, are closed on Mondays. Ah,
So it's kind of like the hair the hair salon yes,
I suppose because they're open on the weekends. But I
did call a trusted company I know, which is Bueler Mayflower,
and I've been dealing with them for many, many years.

Speaker 5 (01:28:20):
Good people.

Speaker 8 (01:28:20):
So I spoke with Rich in the sales department over there,
and I said, just a ballpark Estima.

Speaker 5 (01:28:25):
First of all, do you do this?

Speaker 8 (01:28:26):
He said, yeah, okay, good, And so to be precise,
he'll need both ZIP codes and he'll need information on
how this thing is going to be packaged, like is
it in a crate as a strap of pellet or what.
But he said, look, it's ballpark Uestimer is going to
run about nine hundred bucks, which I thought was dirt
cheap for shipping a snowmobile from Wisconsin all the way
to Colorado.

Speaker 4 (01:28:45):
No, I think it's great, especially it's going to be
in an enclosed trailer.

Speaker 8 (01:28:48):
Totally and insured and a reputable company. So if our caller,
whose name I currently forgot, if he's still listening, call
Rich over Bueler Mayflower and get this snowmobil ship before
the snow starts.

Speaker 5 (01:29:02):
That's great, Thank you very much.

Speaker 4 (01:29:03):
So let's talk about this this thing we've been talking about.

Speaker 5 (01:29:10):
I want to talk about with renew Home.

Speaker 4 (01:29:13):
Innovations dot com the guaranteed lowest price. I want to
talk about this site that you sent me to, which
is really cool, and that is it's a website where
you can put in what jobs cost around the country
and what you can hope to get with resale value.
It's a pretty cool site. Yes, and it's put out

(01:29:35):
by a publication called, uh what is that? What is
the promodeling dot com? Remodeling dot com? And it's the
Jails the Journal of Light Construction, sir.

Speaker 5 (01:29:47):
And it's amazing.

Speaker 4 (01:29:48):
So it lists things and it lists what you can
get back. What do you think as far I think
as far as kitchens and baths, they're still they are
still holding up as some of the best things you
can do one hundred percent. I mean, kitchens and baths obviously.

Speaker 5 (01:30:06):
Have a great return.

Speaker 9 (01:30:08):
You know, you can you can definitely utilize certain products
that will allow you to add value to the home.
And this kind of gives a good perimeter of what
you can anticipate an investment to look like.

Speaker 4 (01:30:22):
Now, as far as the walk in showers, have you
done any any kind of analysis on that?

Speaker 11 (01:30:30):
Oh?

Speaker 5 (01:30:30):
Yeah, one hundred percent.

Speaker 9 (01:30:31):
No, that in fact it's right there in the space
and a good way to look at that.

Speaker 4 (01:30:34):
So if you if you take a.

Speaker 9 (01:30:36):
Bathroom today, if an average bathroom is twenty five to
thirty thousand dollars, the wet area that the bathing space
is generally going to represent sixty to seventy percent of
that cost. And so that's kind of what we always
tell our consumers that you know you you can anticipate
that type of investment for a good quality product to

(01:30:56):
be installed by a license entity.

Speaker 4 (01:30:58):
And the resale value they give here the amount recouped
when you sell i mean a minor kitchen remodel, They
said you can recoup one hundred and thirteen percent of
that on a minor kitchen. On a bathroom model, you
can recover eighty percent of it.

Speaker 5 (01:31:17):
Correct, correct, so not quite one hundred.

Speaker 4 (01:31:20):
Percent, but if you did, the more you do in
the bathroom, the more you recover. But this is if
you if you guys want to look this up, it's
j L that's JL online or at jlconline dot com.
JLC that's the Journal of Light Construction. So it's jlconline

(01:31:43):
dot com. And I'm looking here at some really big
returns on investments the biggest one that I have seen
so far, or the biggest ones. First of all, entry
door replacement, incredible, two hundred and sixteen percent turn on investment.
Garage door replacement. Why this I don't understand. Two hundred

(01:32:06):
sixty seven percent return. You will get that much more
back as far as stone veneer, just accenting your house
with stone cross about twelve grand you're going to get back.
They say two hundred seven percent of that or almost too.

(01:32:27):
It's two seven twenty nine, so two hundred eight percent
of that. It's really it's really cool when you look
at what you get back, and the least return.

Speaker 5 (01:32:38):
On investments are listed as well.

Speaker 4 (01:32:41):
One would be a backyard patio, right a lot of people,
and a solar.

Speaker 5 (01:32:47):
Power You don't get a lot back on either.

Speaker 4 (01:32:51):
You get like twenty nine percent back on that basement remodeling.
You get seventy one percent roofing replacement, which I find weird. Well,
this is metal roofing. You get fifty percent back, only
half of it. So basically though, kitchens, baths, and especially
garage doors, entrance doors, I think all of that stuff

(01:33:16):
that gives you that first impression. I didn't see floor
coverings here, but that would be interesting as well.

Speaker 5 (01:33:21):
We'll talk about that coming up and more.

Speaker 4 (01:33:23):
Get your calls in at three zero three seven to
one to three talk Listen people. If someone lied to you,
or cheated you, or ripped you off, we want to
know about it. Don't sit back and let someone take
your money and not do the work. Do you know
how many times we've had people give money up front.
We'll go after them for you, but we got to
know who they are, how much they took. And then

(01:33:44):
if you're listening, do not put money up front for nothing.
You can do it when work begins, you can do
it when plans are drawn up, you can do it
in stages. But don't just do it flat out for nothing.
I'm Tom Martinez have more coming up. Go with a

(01:34:06):
sure thing Denver's Best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an
insurance check up free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance companies.
Find out now three o three seven to seven to one.

Speaker 5 (01:34:25):
Help.

Speaker 4 (01:34:25):
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 by Tom Martina. Here, welcome three O
three seven to one three talk. Don't let somebody rip
you off without give us a call. We have people
ready to take your calls.

Speaker 5 (01:34:47):
And you know what, Listen.

Speaker 4 (01:34:49):
I read a lot of surveys, and this one I
just I think it's wishful thinking more than anything. But
there's a survey here and it's an by it's done by.

Speaker 5 (01:35:04):
Lending Tree. Okay, lending Tree.

Speaker 4 (01:35:07):
They say that six and see if you agree with this,
I mean you personally, just answer your own question. They
say sixty five percent of holiday shoppers actively seek out
small businesses during the holidays actively. I find that hard

(01:35:27):
to believe.

Speaker 13 (01:35:30):
Nick.

Speaker 4 (01:35:30):
Do you, let's be honest here, Nick or Deputy d
do you seek out small business? I care about selection
and price. Yeah, I don't actively seek out any business.

Speaker 5 (01:35:42):
I don't either.

Speaker 8 (01:35:42):
And in addition to the two factories he just recommended,
I check their online reviews. But more importantly, I ask
people I know whom they use or they bought something,
and I go with those recommendations.

Speaker 5 (01:35:51):
What do you do Nick?

Speaker 4 (01:35:52):
Do you have anything where you buy according to category
of a business?

Speaker 5 (01:35:57):
Well, it really depends on the circumstance.

Speaker 9 (01:36:00):
Me personally, I tend to shop with the smaller business
companies because I am that.

Speaker 4 (01:36:06):
No, I get what you're saying. Yeah, it depends on
what you're shopping for.

Speaker 9 (01:36:11):
But if it's something that's that's critical, I'm going to
go with the best option that's available.

Speaker 5 (01:36:15):
Mark, do you Jack? Do you do you care?

Speaker 4 (01:36:18):
I mean I I am totally selection and price motivated.

Speaker 6 (01:36:23):
Uh, it's select I take care on service. But yeah,
I'm definitely price motivated, no doubt.

Speaker 5 (01:36:30):
Yeah.

Speaker 4 (01:36:30):
Now as far as companies like doing baths or kitchens, garages,
you know, hvac all of that, I want local presents
and I want I don't mind if they're big, but
I want them to have a local presence that's really
strong and people I can.

Speaker 5 (01:36:51):
Talk to on the phone. I hate when they're too
big to talk.

Speaker 4 (01:36:55):
That there there is a trend toward that, I call
it too big to talk where they literally don't have
a way for you to call. Now, to me, that
is an automatic turnoff, absolutely total, absolutely if I can't
talk to someone there, and I mean not an AI voice.
I mean talk to someone who knows what they're doing.

(01:37:17):
I have called some oh yes, sir, go ahead.

Speaker 19 (01:37:20):
When I was when I was in practice, we met.

Speaker 13 (01:37:24):
We always had a person to answer the phone, no
phone tree. And I got so many compliments from patients
who said when they called and they could talk.

Speaker 2 (01:37:33):
To so much.

Speaker 5 (01:37:34):
Absolutely loved it.

Speaker 4 (01:37:37):
One thing now, I will tell you that at you
see Health, since I went through this year of hell,
and it wasn't because of them, it was I should
call it a year of blessings. Really because I was
they Sam cured from pancreatic cancer.

Speaker 5 (01:37:51):
So so what I found.

Speaker 4 (01:37:54):
They have a system a portal where you put messages
in to your providers and actually that is one system
that works.

Speaker 5 (01:38:06):
It really works.

Speaker 4 (01:38:07):
So if an appointment is made, you want to make
an appointment, you want to ask about a medication, they
answer you directly. The one that you call or the
one that excuse me, the one that you write to
answers you directly. And it's all done on their portal
because they can't have you know you're attending physician, your doctor,
your nurse, your nurse practitioner whatever. It would be really

(01:38:29):
difficult for phone calls. Now, you can make a phone call.
They do have a place where a clinic where you
can call and if they're busy, you leave a message.

Speaker 5 (01:38:38):
But the portals they work.

Speaker 4 (01:38:41):
Portals work when it comes to I think healthcare. I
don't know if I'd like it in any other area,
but when it comes to healthcare, you put in questions
on the portal about anything. You can pick the healthcare
workers or the providers it goes to, and then you
get an answer within a few hours, and that I

(01:39:02):
think works. The thing I want, though, when I hire
a company locally, is a real local presence. I hate
like a lot of these locksmiths.

Speaker 5 (01:39:13):
For example, they.

Speaker 4 (01:39:15):
Have numbers all over the place, but they're not local
at all. And in fact, some of them are nothing
more than a brand and they call your they'll call
anyone out to do your job, and they they just
branded and say, you know, Locksmith's twenty four to seven,
But you're not getting someone from that company. In fact,

(01:39:36):
the company doesn't even exist. And I don't like companies
that do that. They do the aggregation. All right, let's
talk about you ship. Somebody said Tom, if that guy
was looking for a snowmobile mover, you found one.

Speaker 8 (01:39:54):
Right, well, a real company. So I spoke with Bueler
Mayflower here in Aurora.

Speaker 4 (01:40:00):
Now somebody I had more than a couple people talk
about u Ship, which is ship dot uship dot com,
and it looks all it is is a connection site.

Speaker 5 (01:40:13):
Like Dolly, and I think the idea is great.

Speaker 4 (01:40:17):
So what they do is look for empty spots and vans.
If a provider has an empty spot on a trailer
or in a van, they put it up. You can
go and then bid for it and it's good but
you but they they absolutely do not vet their people.
So this is just a free for all. I'm not

(01:40:38):
saying it's bad, but it's a free for all. There
is no one person looking at this company saying okay,
you deserve to be on this site. So if you
want to ship a car, ship, furniture, ship, freight ship,
an appliance, one thing, or many things, you hit book
now and then it has a list of categories but

(01:40:58):
one and even animals, even livestock and pets. But what
you must know is that they do not vet the movers.
So I want to know what good is that. Now,
if they had a list of movers before they could
come on and bid that they checked out, Well, then
I would do that. But for example, if you want
to move farm equipment, if you want to move a

(01:41:20):
vehicle or vote boat parts, commercial trucks. I love the way.
And for those who texted me about this, I think
now there's there's three of them, I get it. It's
very convenient, like I'm hitting powerboats. Okay, you put in
what it is and all they do is send you
people who can do it. But they're not vetted. But

(01:41:44):
it is pretty cool and it gives you an idea
of pricing as well. Three oho three seven one three
A two five five. What's on your mind today? Give
us a call. Let us solve your problem. And one
thing I want to tell you. On the no money down,
somebody said, are there exceptions? I'm telling you in my
world there are no exceptions. Now.

Speaker 5 (01:42:06):
When I say when.

Speaker 4 (01:42:07):
Work begins, I'm not talking about they have to be
hammering or sowing or tearing out or putting up. I
mean work can begin by someone walking the job site
with you, taking notes and making plans.

Speaker 5 (01:42:24):
Okay, but you pay as you go.

Speaker 4 (01:42:27):
I can think of never think of why somebody would
put fifty percent down for anyone. That's just my personal opinion.
Once you put money down, you're no longer in the
driver's seat.

Speaker 5 (01:42:38):
All right.

Speaker 4 (01:42:40):
What about recurring charges and cancelations? Mark, you had brought
this up as far as what were you trying to cancel?

Speaker 6 (01:42:47):
Well, that's what I've been doing, honestly, for the last
three hours. I went through everything. Man, here, I'll give
you a list. You want to hear something.

Speaker 5 (01:42:55):
Crazy, Yeah, go ahead.

Speaker 6 (01:42:57):
These are reoccurring and this is on one credit card,
just one yeakay, Google, drive Space, Rock NFL, Sunday, ticket Plex, Starlink,
r Low, Century Link, Tesla and Tesla two different things there.
And then our Kaiser E four seventy, Lazy Dog and

(01:43:22):
trip Wizard. Those are just on one of my credit
cards that reoccur monthly one.

Speaker 4 (01:43:29):
And trying to cancel them. You know, I finally subscribe
to a service that really works.

Speaker 5 (01:43:36):
I'll talk about I have to go through everything again.

Speaker 6 (01:43:38):
I looked at one of those services and did a
free thirty day trial I don't know, like a year
or two ago. The problem is you got to go
through and log into each one of them. Well I
might as well just do it myself at that point.

Speaker 4 (01:43:49):
Yeah, yeah, but once. Yeah. Actually they have links that
log in for you on some of them.

Speaker 5 (01:43:55):
But are you talking about true Bill. Yeah, it wasn't
true Bill, but it was like that.

Speaker 4 (01:44:01):
Yeah, yeah, and I kind of love it. I mean
it saved me money. And it's part of Rocket Money,
by the way, and they saved me. The first time
I signed up, I found three subscriptions I didn't even
know I was paying on.

Speaker 6 (01:44:16):
Well here, I mean, here's what I dived into this.
I had three three charges for Adobe each month, one
on one credit card, two on another credit card each month.
So I've been being charged not really triple, but double.
You say it'd be like having three Netflix r yes.

Speaker 5 (01:44:35):
Right.

Speaker 6 (01:44:36):
But then as I started digging more into it, I
realized some of my credit cards, like my AMEX Platinum card,
if it's connected to Uber, I get a credit each
month for Uber. If it's if it's connected to AMC,
I get a discount each and so I'm going through
and using the best credit cards for the best service.

Speaker 5 (01:44:57):
Does that make sense?

Speaker 4 (01:44:59):
Yeah, it makes a.

Speaker 5 (01:44:59):
Lot of sense sense.

Speaker 4 (01:45:00):
I think so many people if you add it up,
some of the charges they're charged and you never even
notice them.

Speaker 5 (01:45:06):
Four and five bucks a month.

Speaker 4 (01:45:08):
Sometimes you go to a website you don't even realize
you're signing up for something and it ends up being
a recurring charge. I'm Tom Martino. We have more coming up.
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.

(01:45:31):
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
to seven to one 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 Martino,

(01:45:55):
I'm gonna have to say goodbye and Nick soon. So Nick,
you're saying there's an addition to the lowest price guaranteed
on furnaces and acs, that you even have better deals
because of the refrigerant that's being outlawed by the first
correct correct, So it's legal to use to buy them
now up to the first and to use them indefinitely.

Speaker 9 (01:46:18):
Of course, they can always be serviced it's just the
refrigerant that's going away primarily, which means those units that
function off.

Speaker 4 (01:46:25):
That so you can buy them up till the end
of the year.

Speaker 5 (01:46:28):
Correct, that's correct?

Speaker 4 (01:46:29):
Or do they have to be installed before the as
a matter of purchasing?

Speaker 2 (01:46:33):
Right?

Speaker 5 (01:46:33):
So three O three nine zero four to two thousand.

Speaker 4 (01:46:35):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 5 (01:46:39):
You don't pay a cent until you're content.

Speaker 4 (01:46:45):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two ripped up.

Speaker 2 (01:47:13):
News. You needed that so you don't have come running
Just as nass.

Speaker 1 (01:47:20):
As we can show, Shooter's gonna help come.

Speaker 5 (01:47:25):
This is the Troubleshooter Show.

Speaker 4 (01:47:28):
No Tom Martino, Hey Tom Martino here, Welcome to the show.

Speaker 5 (01:47:33):
Here with Major Mark Major.

Speaker 4 (01:47:35):
What's on your mind today?

Speaker 15 (01:47:36):
Mark?

Speaker 4 (01:47:39):
I think he was there anyway, I can never tell
he's uh, comes and goes.

Speaker 5 (01:47:43):
Anyway.

Speaker 4 (01:47:45):
We have a lot happening today, and we've been talking
about recurring charges and cancelations and I mentioned true Bill
and somebody wanted to know what that was. It's just
nothing more than a subscription you do with Rocket money
is and I did it, and man, it's cool. So
what you do is you give them your credit cards

(01:48:08):
and they monitor charges and they let you know when
they're noticing trends or recurring charges. They even give you
on the app itself a place to cancel them, and
then they go out and cancel them for you, so
you don't have to go looking for it. So it's

(01:48:31):
pretty cool. Another thing, I got a call from someone.
They left a voicemail on my Google number here, and
they wanted to know, how can you safely sell something? Honestly, goodness,
they really want to know. They said, you know, I've
never had I've never had to worry about this before,

(01:48:55):
but how do you sell something?

Speaker 5 (01:48:59):
How do you sell things?

Speaker 4 (01:49:00):
Now we're not talking about motor vehicles, but we're talking
about other things.

Speaker 5 (01:49:04):
Do you use Facebook.

Speaker 4 (01:49:05):
Marketplace, I mean Facebook Marketplace, Craigslist, all of these I mean,
they're they're major ripoffs. How do people sell things securely?
Let's talk to Paul right now about a security camera. Paul,
welcome to the show. Our number for anyone listening if
you want to call and you just want to shoot

(01:49:26):
the breeze or give us, give us a problem to
work on, to solve for you, or maybe just an
inquiry to save you money. It's three zero three seven
to one three talk three oh three seven one three
eight two five five, and of course you can call
twenty four to seven threeoh three Martino three oh three

(01:49:46):
six two seven eight four sixty six.

Speaker 5 (01:49:48):
Paul, go ahead, what's.

Speaker 7 (01:49:49):
Going on right afternoon?

Speaker 14 (01:49:52):
Tom?

Speaker 10 (01:49:52):
It's not about my security camera.

Speaker 21 (01:49:54):
I called two things, One to give information about your
alternative to Acrobat be for PDF files, and secondly about
the call that you just had that security camera as
you had a question about it. Go ahead, pdf the
pdf thing I had always well for for long, for

(01:50:15):
many many years, for decades, I had a standalone software
for Acrobat. Of course, they started trying to push everybody
online and subscription right now, and then I came across
this service that is updf updf dot com.

Speaker 22 (01:50:34):
I guess I believe it is.

Speaker 1 (01:50:36):
And I bought it outright.

Speaker 10 (01:50:38):
It wasn't expensive less.

Speaker 22 (01:50:39):
I think it was less than one hundred dollars or
somewhere around there.

Speaker 4 (01:50:42):
And I own it forever.

Speaker 22 (01:50:44):
Is it as updates, it's it's for just managing your
PDF files. You can create PDF, you can convert to PDF.

Speaker 3 (01:50:53):
You could see.

Speaker 22 (01:50:54):
Really it's just as robust as as Acrobat if all
you're doing is PDF.

Speaker 11 (01:51:01):
You know.

Speaker 22 (01:51:02):
Acrobat of course has all kinds of uh, you know,
other kinds of things, camera, video and all.

Speaker 20 (01:51:08):
This other stuff.

Speaker 22 (01:51:09):
All I need to do is manage PDF and I
and it's great. It's great.

Speaker 4 (01:51:14):
And give me the name. Give me the name again
so we can put it out to everyone. What is
it called up d F Okay, so it's PDF with
you on the front, you PDF.

Speaker 10 (01:51:29):
Correct.

Speaker 22 (01:51:29):
I have it on my phone, I have it on
my desktop ed laptops, and you know, it's it's it's
it's a breeze, it's you know, it's the feel of
it is a little different from Acrobat, you know, but
once you get used to it, it's A'SDOBEI deal. It's great.
It's just as robust.

Speaker 5 (01:51:48):
By the way, you know, you.

Speaker 4 (01:51:51):
What you were talking about with Adobe. Adobe is pushing subscriptions,
and Adobe's probably one of the hardest things to cancel ever.

Speaker 5 (01:52:02):
Ever.

Speaker 4 (01:52:03):
I mean, if you have Illustrator or Adobe Acrobat or
Adobe Audition, they they come in a suite of of
apps and they're very, very difficult to cancel. In fact,
I believe they still require a phone call.

Speaker 22 (01:52:19):
I don't remember how I canceled it.

Speaker 4 (01:52:21):
I didn't.

Speaker 22 (01:52:22):
I remember I didn't have a problem, but I constantly
get notifications to renew it, to to reinstall it. You know,
because anytime I open any of my legacy files that
are still identified as Acrobat, even though my my new

(01:52:42):
software will easily open it, you know, I just click
on open with and it'll open it. That's not a problem.
But Acrobat is still there like a nuisance on my computer.
So just get putting that out.

Speaker 4 (01:52:57):
Thank you.

Speaker 22 (01:52:58):
I think you'll I think you'll love it now.

Speaker 3 (01:53:00):
Well.

Speaker 22 (01:53:01):
By the way, in terms of selling stuff, I haven't
had a problem with Facebook or Craze, Facebook Marketplace or Craigslist.
But I'm very cautious.

Speaker 4 (01:53:13):
So how do you, Okay, how do you do it?

Speaker 5 (01:53:15):
I want to know, Like, let's say you're selling something.

Speaker 4 (01:53:18):
Like a piece of furniture, a desk or something or
a technology whatever. Where do you meet people or how
do you do it? How do you do the delivery?
Do you have them come to your house?

Speaker 22 (01:53:29):
Well, first of all, it depends on what it is.
If it's something large, and if I'm selling stuff, it
has to be And if it's.

Speaker 14 (01:53:37):
Large, I'm not going to bring it over.

Speaker 22 (01:53:40):
To someplace unless the car, I could just drive it
to a public.

Speaker 5 (01:53:43):
Play You're right, You're right, obviously.

Speaker 22 (01:53:45):
But I've always had someone there with me. I have it,
you know, in my security camera, you know view, and
i always had someone else there with me. And I'm
very cautious. No one enters the house, none of that,
and I have protection with me, so you know, I
take the precautions. When I'm buying something, I usually go

(01:54:07):
out with someone as well. But before we even do that,
we look in a Facebook marketplace. We could really identify
whether this person's history, likely where they are, whether it's
a scam, because there's certainly a lot of scams. But
we've done a lot of transactions, mostly buying, but we've
never had ultimately a problem. We've always checked them out.

(01:54:29):
Some of the things we've checked down and we said.

Speaker 3 (01:54:31):
No, this is a scam.

Speaker 20 (01:54:32):
When that we don't even bother with it.

Speaker 22 (01:54:34):
But it's readily knowable through a little sleuthing online.

Speaker 4 (01:54:39):
Yeah, thank you, Thank you, Paul, appreciate it.

Speaker 5 (01:54:43):
Yes, did he have more?

Speaker 4 (01:54:45):
Gine?

Speaker 5 (01:54:45):
No, one go ahead.

Speaker 22 (01:54:48):
I'm one who reads contracts left and right, up and down.
Everyone gets annoyed with it, but to heck with them,
I read. If I'm going to have to agree to
a contract verbal or well, if it's written, I'm going
to read it.

Speaker 4 (01:55:02):
Of course you should. I am shocked, Paul, thank you
for calling. I am shocked at how many people don't
read what they sign. It amazes me. Now, I'll admit
when it comes to downloading apps and some of that stuff,
I never used to read it. Now I read it,
and some of them I cannot believe what you're doing

(01:55:22):
with the permission you give people unbelievable, or even playing
a crossword game.

Speaker 5 (01:55:29):
It's crazy.

Speaker 4 (01:55:30):
They want access to your photo, some of them just
for a just for an app or a game.

Speaker 5 (01:55:36):
CEC, what's going on with you? CEC?

Speaker 4 (01:55:39):
Welcome to the show. I'm Tom Martinez.

Speaker 16 (01:55:41):
Hey, oh gee, what a pleasure.

Speaker 2 (01:55:43):
To talk to you.

Speaker 5 (01:55:44):
What's going on CEC.

Speaker 18 (01:55:47):
So I need.

Speaker 3 (01:55:48):
I just need a name.

Speaker 18 (01:55:50):
Of a business or.

Speaker 16 (01:55:53):
A company that can come out.

Speaker 12 (01:55:55):
And look at my dryer.

Speaker 4 (01:55:58):
It's a new dryer bought.

Speaker 18 (01:56:00):
Eight months ago, and.

Speaker 16 (01:56:03):
I'm trying to get somebody to clean out my vent home.
People told me that it's probably clogged because it's not
drying my clothes.

Speaker 18 (01:56:11):
It's taken two.

Speaker 5 (01:56:13):
Yeah, to dry up. There are two things to check.

Speaker 4 (01:56:16):
First of all, you do know how to empty the
regular lint filter, right, yes, yes, I do that all
the time.

Speaker 5 (01:56:24):
Okay.

Speaker 4 (01:56:25):
Many of these duck cleaning companies will also clean dryer vents.
I don't let's see, I don't have the name of
one right off the bat, but they will clean your
dryer vents. And that's exactly what it sounds like to me.
How long has it been since you've had it done
your dryer vent?

Speaker 18 (01:56:48):
Well, I only bought the dryer about eight months ago.

Speaker 4 (01:56:53):
Okay, I would try Okay, but before that, you had
a dryer, right, yes, I would try Duck Pros.

Speaker 5 (01:57:03):
They're on my referral list.

Speaker 4 (01:57:04):
I'm not sure if they do dryer vents, but they
do Ducks. I wouldn't be surprised if they do. Let
me see I'm looking here on their system. I think
they they might know someone. Hey, Kaschina called Duck Pros.
They're on a referral list, and ask them that they
know anyone who cleans dryer vents or if they clean
dryer vents.

Speaker 19 (01:57:25):
Tom, let's do that somebody. If Duck Pros doesn't do.

Speaker 4 (01:57:29):
It, why don't you call Duck Pros real quick, bo
since you just call them they're on a referral list
and see if they do that.

Speaker 5 (01:57:37):
I remember that.

Speaker 4 (01:57:38):
We had some Duck cleaning companies that did dryer vents.
But it's very important on getting it done. Hold on
CECI and we'll try to get a hold of somebody
for you.

Speaker 5 (01:57:48):
And we have a number of things we've.

Speaker 4 (01:57:52):
Talked about today that I want to I want to
recap because it's very important. If you have shoddy work
done on a car okay, and you're not sure you
trust these people, you need to have it analyzed by
someone we trust. So if you call the show many times,

(01:58:13):
we're going to have you take it somewhere to make
sure that it was shotting. Now here's what happened. This
is an example. Susan went to American Auto and Tire
and Lafayette, spent thirty five hundred dollars for a bunch
of stuff and her car is still not running right.
Turns out she has a defective fuel pump and they

(01:58:33):
replaced the fuel pump, and Tom Maggio at Hands On Auto,
one of our experts up in meat. He said, look,
they couldn't explain why that they were doing other things
when the first basic repair she had done, the defective
fuel pump was not done correctly. They offered to redo it,
so we told them. We told her to get it redone.

Speaker 5 (01:58:56):
Now.

Speaker 4 (01:58:57):
The reason for that is because if someone offers to
fix it, there's no downside to letting him try again.
You can always take in the small claims court after that.
The other thing we had, which is really important, is
on this adverse possession. If you there's a lot of

(01:59:17):
confusion in this. If you maintain a piece of land openly,
it can't be hidden. It's open adverse possession and you
call it your own for eighteen years, it reverts to you.

Speaker 5 (01:59:34):
But it's better if you'd.

Speaker 4 (01:59:36):
Go and get it done by the courts, because if
someone challenges it, like the original owner, you're going to
end up in court anyway. But it is automatic kind
of after eighteen years, but you have to show continuous use.

Speaker 5 (01:59:51):
And maintenance of that property.

Speaker 4 (01:59:53):
I think adverse possession is one of the most confusing
things in the world because you get it automatic, yet
they can challenge it. The original owner can challenge it
and demand to be paid a fair market value for
it even though you took it. Brad O'Brien is the
one we use for that, by the way, as our expert.

(02:00:15):
O'Brien Legal Services olslaw dot com. All right, hang on,
we got more coming up. Deputy bow also has a
follow up on a senior facility we'll talk about right
after this. Go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 5 (02:00:35):
You don't pay a cent until you're content.

Speaker 4 (02:00:40):
Time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three 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 with Remax Alliance three all
three nine two zero sixteen twenty two. Hello I'm Tom,

(02:01:04):
this is the Troubleshooter Show. Let's talk to uh cc CC.
Deputy Bow called over to duck pros. What do they say,
Deputy Bow?

Speaker 19 (02:01:16):
So, I talked to a lady over there. Very nice.

Speaker 13 (02:01:18):
They do do the dryer vent cleaning, and they do
the type of cleaning that's venting through the wall and
through the uh the sex one and actual number for
her if she still listens, go ahead, cecie. Her number.

Speaker 19 (02:01:33):
Other number is three oh.

Speaker 13 (02:01:35):
Three seven three eight zero five two two. And if
you have the vent that goes out through the sidewalk,
it's like one hundred and forty dollars.

Speaker 4 (02:01:46):
Okay, can you repeat.

Speaker 18 (02:01:48):
The three oh three and then the.

Speaker 5 (02:01:51):
Yes, I'll do it.

Speaker 4 (02:01:52):
It's three oh three seven three eight zero five two
two seven three eight zero five too.

Speaker 5 (02:02:01):
All right, I want to talk to Ray.

Speaker 4 (02:02:03):
Ray. You have a question about Vestera turnkey.

Speaker 5 (02:02:06):
Go ahead, Ray, Hey.

Speaker 20 (02:02:08):
Thanks Tom, great shows ever, Thank you bro. Three questions.
First question is I understand that you can use some
of your retirement funds to do a program like this
wish through your find I believe one of your companies
usual that.

Speaker 5 (02:02:25):
Yeah, let me explain that to you.

Speaker 4 (02:02:27):
To do any investing with retirement funds, you must do
hands off. You can't have any control over it. It
must be an arms length hands off, and you aren't
allowed to have any loans. So just let me basically explain.
Let's just talk about the normal Vestera turnkey. If you

(02:02:50):
wanted to be a landlord and you wanted to use
Vestera to help you find the house, manage the house,
and sell the house, you would go to Vestera and
you would invest anywhere from seven to eighty five thousand,
and then they'd get a loan in your name and
you'd buy the house and you would enjoy the profits.
And so far they've had really good returns for their investors.

(02:03:14):
But if you wanted to use your IRA or four
one K, you could not withdraw that money and put
it into Vestera. It would be considered a disbursement and
you're not allowed to invest in anything that requires a loan.
So the only way to use retirement funds or what's

(02:03:36):
called qualified money would be to go through a third party.
We have set ourselves up as a financial advisor. I
have set myself up as a third party, and the
way we do it is this. If you have an
IRA or forour to one K, we transfer it to
a trustee, Pacific Premier Trust and they were purchased by

(02:03:58):
someone recently, but we feel very well with them and
they make a self directed IRA. Once the money is
in your self directed IRA, then you can invest as
much as you want into Vestra Turnity. And the way
we make it legal and make it acceptable is that

(02:04:19):
I become your partner and your advisor.

Speaker 5 (02:04:23):
I become your partner.

Speaker 4 (02:04:25):
I invest the money, but I take out the loan
and control the entire LLC. So therefore you are you
are qualified, not qualified, but you are allowed to use
your qualified money to do this. Okay, there is no
other way to do it than through a qualified uh

(02:04:49):
an independent trustee self directed IRA. Then that goes into
our LLC. I take out the loan and I control
the whole thing, and you become a minority partner. So
obviously you wouldn't want you wouldn't invest the whole thing
because you're not going to own the whole thing. You
would only invest your portion of it with your retirement money,

(02:05:13):
and I would become your partner. Now you can do
with as little as twenty something thousand or as much
as sixty thousand in between. I don't recommend you do
the whole ball of wax because then you would become
a fifty to fifty partner.

Speaker 5 (02:05:30):
Which is not allowed.

Speaker 4 (02:05:31):
You have to be a minority partner with no control.

Speaker 5 (02:05:35):
Does that make sense to you?

Speaker 4 (02:05:36):
Ray?

Speaker 20 (02:05:37):
It does, and I'm really glad you explained that to me.
That's interesting. Okay. Now I have a TSP to the
federal government, so that qualifies just like any other returns.

Speaker 4 (02:05:51):
Well, i'd be lying to you if I told you
I understood that through the federal government. Is it considered
qualified money?

Speaker 20 (02:06:00):
Yes? I believe so.

Speaker 5 (02:06:01):
Are you allowed if you wanted to?

Speaker 4 (02:06:03):
Are you allowed to take an in service distribution and
put it into a self directed IRA?

Speaker 7 (02:06:10):
Yes?

Speaker 20 (02:06:10):
Yes, I can do that.

Speaker 5 (02:06:12):
Okay.

Speaker 4 (02:06:13):
If you can do that, then I can do the
Vestera turnkey with you. Again. By the way, as a
full investment advisor my company Wave eight Financial or Wave
eight Wealth Management. This is not the only investment available
to you with qualified money. We have a number of

(02:06:33):
different investments people use qualified money for, and it all
starts with putting your money into.

Speaker 5 (02:06:40):
A self directed IRA. That's where it all begins.

Speaker 4 (02:06:43):
No matter what you want to do, there are many
people that use retirement money for investing. In my opinion,
some of them do it recklessly and they really shouldn't.
But it's almost like they have this extra pot of
money that haven't touched in years, and all of a
sudden they realize, wait a minute, I can be making
some good money with this money. And it's true because

(02:07:05):
conventional iras conventional four O one k is, the conventional
retirement plans are very very conservative. I'm not recommending that
you be foolhardy or that you take a lot of
high risk, but certainly there's room to invest some of
this in other things. Like you'll hear people say put

(02:07:28):
it in an annuity, you know, and that's certainly safe,
or you can put it in other things.

Speaker 5 (02:07:34):
I'm the other things.

Speaker 4 (02:07:36):
My company can help you do that if you want to,
and just give us a call off the air three
zero three.

Speaker 5 (02:07:41):
Seven seven to one. Help.

Speaker 4 (02:07:43):
That's seven seven one four three five seven. We can
help with any qualified investments for your retirement money. And
it's all legal, above board. There's nothing wrong with it
so long as you go through the proper steps.

Speaker 5 (02:07:58):
Now, if you do decide to become.

Speaker 4 (02:08:00):
Landlord, let's just say you went out and did it
on your own. These guys come the closest to hands
office i've seen. Okay, a lot of people like to
keep a handle on the rental even though you know
it's all being managed and stuff by a property manager.

(02:08:22):
In that case, you just do a simple quick books
and you just record.

Speaker 5 (02:08:28):
Money in and money out.

Speaker 4 (02:08:30):
Any other questions, Ray real quickly?

Speaker 20 (02:08:35):
Can I involve my daughter with this? As far as
if I decide to buy a home through you and Visarah,
can I add her to that?

Speaker 5 (02:08:49):
Okay?

Speaker 4 (02:08:50):
The way you would do that, if you're going to
use qualified money, she cannot own part of your share.
She would have to buy her own share a part
of it. But you could certainly include anyone. The LLC
is broken up into ownership. So let's just say instead
of you and me doing it, where I take a majority,

(02:09:13):
so your qualified money is legal. If you wanted your
daughter to do it too, then she would take a
percentage from both you and me to be part of it.
So in other words, she would have to buy her
own share. She can't piggyback on yours. You can't put
it in her name. It would be considered a distribution

(02:09:34):
from your retirement plan.

Speaker 5 (02:09:36):
If you did that.

Speaker 4 (02:09:37):
So when you take out let's just say you take
out thirty grand from your retirement money, and you want
to do a part of a rental. If she wants
to be part of it, she can't be part of yours.
She has to be part of a separate one. But yes,
you and your daughter can do one together so long
as she contributes her own money apart from your qualified money.

Speaker 20 (02:10:00):
That makes sense, okay. And lastly, how is how the
profits that we are going to get after let's.

Speaker 14 (02:10:09):
Say three years or so.

Speaker 5 (02:10:10):
I've heard, yes that it's.

Speaker 20 (02:10:12):
Time to sell. Is that distributed at the end of
the agreement?

Speaker 4 (02:10:18):
It's okay, No, No, it's it's the end of the
agreement comes when the house is sold, and that's when
the money is distributed when the house is sold.

Speaker 20 (02:10:28):
Now I have any money in the meantime, it's.

Speaker 4 (02:10:31):
None, none, that's right. It all builds up now because
cash flow is you know, it's not a lot.

Speaker 5 (02:10:40):
Of positive cash flow.

Speaker 4 (02:10:41):
A few bucks here and there, and that's put into
there now. Under rare possible, rare scenarios, We've not had
it happen yet, but under rare scenarios.

Speaker 5 (02:10:52):
Let's say that you have to come up.

Speaker 4 (02:10:55):
With some cash because you ran short on something. That
is a possibilits the possibility with any rental anywhere in
the world, whether it's douth Restera or not. I'm just
saying that there is a possibility that exists that if
something catastrophic happened at the house and the insurance covered
all but the deductible and there wasn't enough in the

(02:11:17):
slush fund that you'd have to contribute toward the deductible.

Speaker 20 (02:11:22):
Did that happen very often?

Speaker 4 (02:11:24):
Well, it's not happened ever in the history of Vestera,
but that doesn't mean it can happen. You own a rental, right,
and he has records, but you do own the rental,
so you make the profits, but you also are on
the hook for any expenses. I mean, if the house
burned down and you had a giant deductible, it might

(02:11:48):
be that you either take the cash and walk away,
or you put in your deductible your share and you
have the house rebuilt. I mean, I'm just talking about
all possibilities.

Speaker 5 (02:11:59):
I got to take a break, Tom Martina, go with a.

Speaker 4 (02:12:06):
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(02:12:29):
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey Tom Martino here three oh three
seven to one three talk seven one three A two
five five. So selling online to people, what do you use?

(02:12:54):
The thing is a lot of people use Facebook Marketplace,
but a lot of people report being ripped off at
Facebook Marketplace. One thing is for sure, you do not
want to meet somebody other than a public place. And
if you have them come to your home, you better

(02:13:16):
pre qualify them. We've had several cases with Craigslist and
with Facebook Marketplace where people had someone come to their
home and was it coincidental or not that all of
a sudden they ended up getting robbed or porch pirated.
So you know, look, I think it's crazy to have

(02:13:36):
somem come to your home without first pre qualifying them,
and I mean a lot.

Speaker 5 (02:13:41):
Ray, you have some more questions.

Speaker 4 (02:13:42):
I'm sorry, go ahead, Ray, welcome real quickly.

Speaker 20 (02:13:45):
You know, I had a chance to think we're taking
the break. So I'm a minority partner in this deal.
What is my percentage of ownership?

Speaker 4 (02:13:54):
It depends on what you buy, So in other words,
it's broken up into the the amount of contribution equals
your percentage of ownership. So you can be ten percent,
you can be twenty percent, you can be there. I mean,
it really depends on what you buy into that's the
percentage of ownership.

Speaker 20 (02:14:15):
Okay, well I was assuming I would go in for
the full eighty or eighty five.

Speaker 4 (02:14:21):
Okay, you can do that. You can't do that with
your retirement money, but you certainly can do that. So
if you do that, you own one hundred percent. I mean,
you do it directly through vest Era. The only reason
I got involved were for people that wanted to do
partial ownership.

Speaker 5 (02:14:36):
They didn't want to do the whole thing.

Speaker 4 (02:14:37):
They either wanted to, you know, like for example, they
didn't want to put in the eighty thousand dollars. They
would rather do twenty thousand, or they would rather do
fifty thousand or they would rather do. I don't think
I did any less than twenty. So then you own
that proportion of ownership depending on the partnership agreement. So
each one is different depending on your contribution.

Speaker 20 (02:15:01):
Okay, Well, so you're saying I can't do the full lady.

Speaker 4 (02:15:05):
Well you can, but you can't do it with your
money because you would have to take a loan out
and you would have to be a landlord, and your
retirement money doesn't allow you to do that. So if
you took your four oh one K money and you
went out and bought a house and rented it out,
you can't do that. It's not allowed.

Speaker 20 (02:15:27):
How much is allowed if I do it with you?

Speaker 4 (02:15:31):
Okay, by the way, you don't even have to do
it with me. You just have to do it with
someone who controls it. All I'm saying is this, you
can do up to forty nine percent. You can't because
with retirement money you can't control the investment. The idea

(02:15:52):
of qualified retirement money is that first you don't you
don't take out any loans, and you don't control the investment.
So if you went and bought something where you controlled
the investment, it would be disqualified. You're not allowed to
do that. See a lot of people have tried over
the years to use their retirement money to buy a

(02:16:15):
rental for their kid, or to buy a piece of
art from themselves or from their wife or you know,
you can't do that. There's certain rules to using qualified money,
and one of the rules is it must be an
arms length transaction. In fact, it would be difficult if

(02:16:37):
you and your wife tried to do it where your
wife had the majority ownership and you had the minority ownership.
It might be looked at a cast. You know, they
might be suspicious of it because it's got to be
a true investment that you do not control. Just like
you don't control the investments in your four oh one

(02:16:58):
K right now, you don't control your IRA investments, so
and and and the amount of ownership is the amount
of cash you put in. But once you approach cash
that would give you more than forty nine percent, you
are now in control. And that's not allowed, not for
qualified money.

Speaker 20 (02:17:17):
That's okay, I understand you've been very helpful. Thank you,
Ey time, I'll give I'll give very a call.

Speaker 4 (02:17:23):
Yeah, And he's a he's a good guy. He's a
good guy, and it's a it's a really good program.
Threeh His number is three oh three eight eight eight
thirty seven eighty eight. That's three oh three eight eight
eight thirty seven eighty eight. Estereoiturnkey dot com. You know
a lot of people have come up with creative ways

(02:17:45):
to invest retirement money. Okay, nothing wrong with it, but
it has to be legal. I can't tell you how
many scams have come, you know, I don't know if
they're scams, they're just ploys. Some people thought, hey, I
know what I'll do. I'll buy some exotic cars and
call them an investment. And then they think, wink wink,

(02:18:06):
I'll be able to own a really expensive car.

Speaker 5 (02:18:08):
My IRA will own it.

Speaker 4 (02:18:13):
I get the profit when I sell it if there
is any profit, and I don't have to pay tax
on it, and if there is a loss, so what
So a lot of them, just because they have this
money in a retirement plan, they try to find creative
ways to invest it. Now, I can give you creative
ways to invest it. I can invest era turnkeys one

(02:18:37):
of them. But you can't control it. But let's say
you came to me and said, Tom, I have a
retirement plan, and I'd like to invest it in XYZ.
If I become your partner, I mean legally, ethically and
everything as an advisor. If I become your client, your partner,
I can buy that investment, but you cannot control it.

(02:19:00):
That's the one downside. You cannot control it, nor can
you take on debt. But if there are investments you're
interested in, give us a call and we will talk
to you about making legit, honest investments with your retirement money.
It is possible, but you have to play by the
rules and you can always reach us. Remember Pat standing

(02:19:22):
by right now, one of my chief operations officer at
three zero three seven seven one help seven seven one
four three five seven