The Troubleshooter 2-6-24

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Episode Transcript

(00:00):
Ye'll ripped up news and need advice, so you don't help you come a
run in just as fast as wecan. Shooter's gonna help come. Ma
Dix is the Troubleshooter Show. NoTom Martine, Hi Tom Martino here,

(00:27):
Welcome to the show. Three zerothree seven one three talk three oh three
seven one three eight two five five. Here to help you solve problems,
to answer questions, to take complaints, to make your life just a little
easier. What we need to dois simply help you. And all you
have to do is call today.I have Brendan Killing with me. We'll

(00:47):
talk to in a little while onUH made in the shade, on window
coverings and the window coverings business.And we always talk to different people about
different businesses to see how they're doingand what we can do to help you.
So welcome to the show. Onein all this hour brought to you
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(01:07):
Drinking water at the fountain as muchat your kitchen sink as reverse osmos
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five, five four. Susie's turnabout a security deposit and we're going to

(01:30):
talk to Susie. Susie, whatis happening with you? Hello, Susie,
Hi Tom, thanks for taking mycall. What's going on? I'm
helping my daughter draft a letter toher landlord to challenge security depositure. When
when did she move out? Shemoved out? Well, it was the

(01:52):
end of December, but it wasup in January. At the end of
January December, but her lease wasuntil January. Well, what is that?
She moved out? But when didshe pay through? She paid through
to January to January? What thirtyfirst? Well, in other words,

(02:16):
did she leave a month early ordid she pay every dime? I need
to know that. Did she paidevery dime? And then? Yes,
she paid it, but she leftearly? Well, she got moved for
her job. Okay, but technically, technically she was still rent. This
is important. There's a reason I'masking. Technically the lease was up at

(02:39):
the end of January, it wasmid January, Okay, mid Okay,
Let's say the lease was up midfi January. She paid through mid January,
Yes she did. Okay, Thenit's from that point forward that you
count the time the landlord has toget back to you with an explanation and

(03:01):
a refund. So how when didthe land We'll give her an explanation in
a refund, but she wants todispute. I understand when did the landlord
though? When did the landlord givethe explanation? And the uh we got
the letters dated January eleventh? Okay, so they did everything correctly. In

(03:22):
fact, wait a minute, everykind of did it. They kind of
did it early. Okay, Sogood landlord. I'm not going to say
she was was And so what isshe disputing specifically? Okay? So she
actually has videos and pictures time stampswhen she moved in. He's charging her
for four sets of blinds because thecords were beyond repair. But in the

(03:46):
pictures and video you can see thegirl had a cat, so there was
a little like cat bite and theywere tied up, so she assumed she
tied them up for the cat.But she actually has video that she took
for her friends that you can seethat in the picture. So when she
moved out though she didn't have Didshe have a walk so? Did she
have a walk through when she movedin? No, she didn't have.

(04:09):
I mean he showed her the apartment. No, she didn't do a walk
through and a walkout. Well,it was a difference from the mini blind
though, so when she moved inapparently there was some cat bites when she
moved out. What No, thecords were all tied up like high and
nodded so that they wouldn't hang.Who tied them up? She think Susie

(04:29):
who tied them higher? Tenant?They were like that when she moved in
the prior she left. Did sheleave them that way? Yes? And
now what Now they're saying that becausethey were tied up like that, they
need to be replaced. Yes,he's replacing four of them. And what
is the reason for replacing those?He says due to chords nodded beyond repair.

(04:56):
Okay, so first of all,we just happened to have Brendan Killian
with made in the shade. Ican see where if you nodded them up
enough there'd be a pain in.They asked to get out. Well,
has she shown the landlord that actualvideo and what does he say? Yeah,
I mean, does he acknowledge theywere like that when she moved in
the problem is what I'm worried about. She didn't acknowledge it to him.

(05:20):
But she has a video thorough Shehas a video and she has pictures.
Yeah. Does the video do thevideo on pictures identify when they were taken?
Yes? Okay, but the landlordis still insisting. And how much
of the bill is for that fourhundred and forty dollars and fourteen cents for

(05:44):
how many? For how many shades? Four blinds? And the interesting party?
She said that about right, Brendan, Yeah, that's actually a pretty
good deal. That's I guess youhad to do it. Yeah, the
whole time she lived there, shenever used these blinds. They were over
he was just tied up. Thewindows either wide open, they said they
were. She didn't use them much, but this isn't Connecticut. She didn't

(06:05):
use them much, but she saidthey worked, so she didn't. She's
young young, Well, it changesthat for sure, but the laws are
pretty much uniform. I want toknow something, Susie. There's a few
things that you mentioned cat bites.What do you mean she said there was
like little cats cat scratch and itlooked like bites where they saw her cat.

(06:28):
She was assuming they were from hercat. And where were these scratches?
She said, I'm a little likeknobs that are on like where you
pull the cord up. That's whythey looked like a little wood knobs.
Playing with them. Well, yeah, but hold on, they were tied
up by a previous tenant. Howwould they what mark they were? But

(06:49):
he said the cords are beyond repair. She was saying, you could see
how you could not untie them,Susie, they were so her husband moved
her in and he saw them whenhe moved in. Maybe he changed him
out because of the kitty scratches andbites on the cords. I don't know.
Did he specify moves you? Youjust okay, Susie, your daughter

(07:15):
has a cat? No, mydaughter doesn't have a cat. It was
the prior tenant. They got it, okay, And he told her she
had a cat, and she gota letter saying, sorry, your cat
died from to the prior tenant.Get it. So she's disputing it because
they were my husband saw them whenhe helped her move. Yeah, I
agree, but that's four hundred dollarsshe's got how much? How much else

(07:36):
is she disputing? What else isshe So she's acknowledging the chip town atop
or taper fell. I don't wantto know what she's acknowledging. What is
she okay? What is she disputing? The only she the range lower drawer
to the stove is he's due torust and pitying beyond repair. But when

(07:59):
she she was raised on the oceanin Connecticut. When she moved in,
the refrigerator broke and he replaced it, but it was rusted, and he
said that happens with the salt water. So she's like, I never used
the drawer. Well I can't.He can't blame her for rusting. That's
normal wear and tear. Exactly howdid she rust the appliance? She didn't.
She's a professional, I mean shewasn't. Okay, So he's blaming

(08:22):
her because something in the apartment wasrusted. There's no way, man's no
way. And how much of itis for rusting. That's only one hundred
and twenty dollars before it. That'sa lot of money for rusting. How
is he proposing that or how ishe suggesting that she made something rust He

(08:43):
didn't. He just he bullet points. Okay, what else point? I
think she has no points? Yeah, the last one, I just feel
I'm not sure if it's successful ornot. So she's unsure whether it include
this. She had little Valko thingsyou put up on the windows, and
they're a little small ones in thattheir heart. They're easy to get down.

(09:05):
So for like dark shades, it'sjust like a lot of light.
And so he's charging her fifty dollarsto remove the adhesive residue from two bedroom
windows. How many windows? Hesays? Two? In here. I
wouldn't dispute that. Here's what Iwould do. Yeah, I would,
she was I would Okay, Iwould definitely go for the five hundred and

(09:26):
twenty bucks. That's bull crap.Well that's how we feel because he knows
she moved to Texas and she's notthere, so we're just kind of yeah.
But unfortunately, to do something aboutit, you either get an attorney
or you're going to have to bethere for small claim scores. No,
they give her a free trip forher work to go back to wrap up
listen, so she can schedule that. But I just wanted to know when,

(09:48):
so you don't think you should askfor receipts. And she wants to
send him a letter, well,then technically he doesn't have to give her
receipts. But okay, also,let me explain something. The four hundred
is not excessive for restringing four blindsaccording to our expert here and made in
the shape. Oh, I understandthat. But she did he replace?

(10:11):
Hold on? Hold on, holdon? Did he replace the blinds or
restring them? What did he do, Susie? He said he replaced.
Replace. Then that's a good price. Man, It's probably cheaper to replace
them. It is. I mean, what I'm saying is is he's not
exaggerating. I don't care about receipts. That it doesn't matter. Actually,

(10:31):
if he got a price on newblinds and didn't replace them, you still
owe it. So if you destroyedthem, so it doesn't matter that it's
a loss. It's not. Peoplethink, well, you prove that you
did that. You don't have toprove anything. All you have to do
is show that the blinds were irreparablein the same way when she moved in.
I still don't understand how she usedthe blinds. How did she use

(10:54):
them when they were tied up,because she had them kind of like all
tied in the middle, so youcould pull them up and down, but
they were all nodded in the middle. I mean, if she didn't have
video, I think she would bein trouble. She made him shorter.
She made him shorter so the catwould mess with him. But you we
had before. I know. Well, if you think about, if you

(11:16):
think about an argument in front ofthe JUDGEO, all he's got to say
is they weren't tied up when youtook this video. Your friends were there,
you already moved in, you tiedthem up. It's just going to
be a matter of credibility. Butit's worth going to small claims court for
five hundred and twenty bucks. Yeah, I think so. And she's got
a free trip there, so it'sno good. And that's what she has
to do. She has to goonline. What county is it? You

(11:39):
know it's in mil for I can'tremember what county, Okay, So she
goes online, she fills out theform, and some jurisdictions will allow first
class mail or registered mail, butmost of the time you have to have
him served. You can hire somebodyto do that and then show up.
I mean, you show up withthe proof and just hope that John here's

(12:00):
probably going to be mediation demanded first. So that's one trip. And they're
telephonically mark they they since COVID,they do a lot of this telephonically,
so they might allow you to doa conference for settlement by phone. Yeah,
I'm going to call the county clerkand see if they could tell me
that. Okay, So, okay, that's what I needed to know.

(12:20):
So start there and please let usknow what goes on, because this sounds
much like everything that happens with landlords. They take their best shot and then
they let the they let the tenantfight it out. Three oh three seven
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(12:43):
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don't pay a cent to your content. Time for an insurance checkup free,

(13:05):
no obligation in comparison call Compass insurancepaying too much your coverage at dozens of
insurance companies. Find out now threeall three seven seven one help. You'll
think you're his only customer when youchoose Frank durand the real estate man dot
com to list your home with RemaxAlliance three all three nine two zero sixteen
twenty two. Hi Tom Martine herethree all three seven one three talks seven

(13:30):
one three eight two five fight.Hey, what did we do for that
woman who put three thousand dollars downon cabinet doors for a company out in
North Carolina, Cabinet Door World?Did we assign that to somebody? Because
I saw this dangling call that andwe had some other complaints about the same

(13:54):
company. Can you check and see, Kachina what we did of that?
And peep? Meanwhile, people beaware of cabinet World. Okay, the
cabinet door World. I'm sorry.Cabinet door World seems to be a big

(14:15):
problem. Connie. What's going onwith you? Connie? See, we're
always trying to stave off these ripoffsbefore you get hooked? Connie? What's
going on with you? You called? Did you call yesterday? I'm having
a problem with the Horizon. Uh. Several months ago, I decided I
was going to switch to the Horizon, so I went into their store on

(14:37):
what's with any bowl or yeah?Boths? I talked very grueful, where
were you you were going to switchto? Where? Connie? From Verizon
to what? No? I wasgoing to switch to Z? Okay?
Got it? Okay? And what? Well? I hope this isn't confusing.

(15:01):
So what happened is he looked atmy phone and he I was going
to upgrade to the Samsung twenty threewhatever, but he looked at my phone.
He said he really liked the phoneI had and talked to me a
little bit and I told him,well, I want to switch sue Verizon.
But he was in a hurry andso was I. So he told

(15:26):
me to call at and D geta transfer PIM and call him back.
And in the meantime he gave mea little card with a SIM card on
it. But I decided I wasn'tgoing to switch, so I called him
back. It sounds like it's it'sIt sounds to me like you did switch.

(15:48):
It sounds to me like you openedan account if you got a SIM
card. No, I didn't,Okay, he opened the account. I
found that out later. Wait aminute, hold on, he opened the
account without any signature or authorization fromyou. That's right, So you didn't
sign anything on a little touchpad.Nope. Okay. So anyway, I

(16:15):
started getting bills from Horizon about twoweeks later. Okay, So okay,
let's just get right to it.You asked if this was too confusing.
It's not. You went into aVerizon store to inquire about this, and
they started an account without your knowledge, without your signature, without your authorization.
So tell them that, tell themyou never opened the account. I

(16:37):
would. I wouldn't even tell himI visited the store. I would simply
tell them I never opened the account. Then how do they know to bill
her? Wait? How that's whatI want to know know to bill her?
How were you being billed? Justa regular invoice like at your address?
At your address, that's okay,But they didn't take payment just build
you. No, they just filledme. And I called them several times

(17:02):
that I kept getting bills. Theyacknowledged that this is the young man who's
created an account. But what they'retrying to get me for is the SIM
card, and I blew it away. I never used it. They acknowledged
I would. Okay, So howare they trying to get you? You
say they're trying to get you?Yeah, they call they sent me to

(17:23):
a collection agency, all right,and tell them it's I would ignore it
until they take you to court,and I'd say I never First of all,
how they even prove you got aSIM card? I don't know.
Okay, you never did it,You never opened the account. You don't
recall a SIM card. You don'tknow what they're talking about. You never
used it. Tell them me,I don't see how a judgment you're gonna

(17:47):
owe the money. Connie. Forthe life of me, I don't understand
this part. County. You walkedin there, you didn't open anything up,
but you gave them your address,your telephone number. You gave them
all the information to bill you.You took a SIM card card, but
you never opened up an account,and Verizon acknowledges that. Okay, okay,

(18:07):
and you, Connie, how doyou know they acknowledge that because I've
talked to them on the phone.I've talked to them several times trying to
get this straightened out. So theyhave stopped sending you a bill finally,
Yeah, okay, if the SIMcard is not being used, that SIM
card costs them about a penny.And that's right. I never they know

(18:30):
that I haven't used it. Theychecked how much are they charging you?
How much do they want to chargeyou for the SIM card? Well,
they want to charge me sixty fivedollars. Okay, I would just ignore
it. That's what I would do, even though it's with a collection agency.
Yeah, I mean, was thatgoing to go on my credit?

(18:52):
Is what I want to know.Well, they can attempt to do it,
but here's the deal. You candispute it and say you never opened
an account. You have no ideadeal what they're talking about. They'd have
to prove it. It will mostlikely go on your credit. Though I
had T mobiles say I never sentback some equipment no longer. What did
you do about it? Mark?I ended up suing them. Listen,
Connie, just small them out.You know, I'm just wondering if no,

(19:15):
I wouldn't go and pay. Ifit was me, you're asking me
what I would do. I wouldignore it. If they tried or attempted
to ding my credit, I wouldbring down holy hell on them. You
call us back if that happens,I feel like doing that. I think,
I think that that's exactly what Iwant to do. How much is
it? What is the total?Oh it's only sixty five? Yeah,

(19:36):
I mean it with the interest,it's seventy seven and sixty nine. Just
hope there's no record of you openan account. But you said they already
acknowledged that. They have acknowledged.They even said that he created the account
because he thought I was going tobe coming back in on Monday. Yeah,
he wanted to get his commission.I think, so okay, all

(20:03):
right, okay, so I wouldsay, ignore it, call us back.
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(20:26):
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(20:48):
at dozens of insurance companies. Findout now three oh three seven seven to
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate man dot com to listyour home with Remax Alliance three oh three
nine two zero sixteen twenty two.Hi Tom Martino, your troubleshooter three oh

(21:12):
three seven one three talk three ohthree seven one three eight two five five.
Now I want to go back toJan from yesterday. She put down,
Uh, we didn't get to finish. She put down three grand at
cabinet door World, and this isin North Carolina. Did you say,

(21:33):
Jan, Yes? And they havenever ever gotten back to you, never
got doors. Actually, my contractorwas in touch with them through their website

(21:53):
chat and at that point they saidwe couldn't find the order. Well,
this was in April of twenty twentythree. When did he finally contact them?
I'm not sure that date. Itwas months after the order. How
did you pay? Told him,I paid with my VISA credit card.

(22:15):
Have you ever called Visa to seeif you could just call it fraud?
Yes? Did they say it wastoo late? Long? Okay? But
the company told my contractor that theyfired the person it was supposed to be

(22:36):
doing my order, and that theywould be expediting the order. And then
after that there's no contact. Theywon't answer the phone or reply to any
emails. And do you know they'restill open or not? I assume that

(22:57):
they are. Okay, I'm gonnahave I'm gonna I see it right here
in Conover. They they look likethey're they're still in business. They do
you realize with thirty two Google reviewsthey have a one star that's they have

(23:18):
one star. Yep. So Iwouldn't hold too much hope out. But
what we can do is, I'mgoing to have Who's who do we have
on duty today? Let's get DeputyDollar. Hey Dollar, it's pretty easy.
She paid three grand. She hasthe date Cabinet World, Cabinet Door

(23:41):
World. It looks like a littletiny tin building in the middle of nowhere.
What a piece of crap place thisis? Did you do any research
before doing this? They have aone star review. They have thirty two
Google reviews, and do you knowthey're all one star, every one of
them, every single review. Waita minute, hold on, I'm looking

(24:06):
at all thirty two. So farthere's not one above a one star,
not one. Okay, they havea three star nice quality, but terrible
customer service. Doors we're two weekslate. That three star is the only
one they have. Otherwise they areall one star, all one star.

(24:29):
The worst customer service, the worst, the worst, the worst, the
worst, the worst, the worst, the worst. Okay, would you
call them dollar before the show's over, I'd like to hear what they have
to say. Yeah, I'll givethem a call. Do you have an
order number? Jan? Yes,I do? Okay, you hold on.
No, No, we don't wantit on the air right now.

(24:51):
It doesn't matter. So we're gonnado this. We're gonna do this,
Jan, all right, and terrible, just terrible. Real three seven one
three talks seven one three eight twofive five Brandon, Real, quick question
for you on their shades. Theywant to replace their I think this is

(25:11):
a stupid question, but there isno stupid question. If you want to
text us five seven seven three nine. They have regular shades. Can they
convert them to cordless? Of coursethey can, right, I mean that's
a whole damn mechanism, right right, Yeah, you can't take corded and
convert them to cordless. I meanthere's a spring in it everything. So

(25:37):
really, when you say cordless,they're just you grab them by the bottom
and up and down. Correct.But we're a real high windows. You
can't really do that right because youcan't go up as high as you want
to. Maybe put them up ordo you have little right rocks that yep,
you can either get an extension poleor you know, the easiest solution
is to automate them with a remotecontrol. Okay, but yeah you could.
You can get extension poles that youcan grab the handle and bring them

(26:00):
up and down as well. Okay, so what else is being made cordless?
Pretty much everything is going with bondblinds too. Everything, Well,
how would you open and close theOkay, with blinds, you have two
things. You retract the whole blindor you can just take the fins and
open and close them. Yeah,so that is like a wand tilt.
Okay, Okay, so it's awand for Okay, a wand for that.

(26:23):
But if you want to open orclose them, you just take the
bottom and do the same thing.Correct, And you can actually go cordless
on the lift system and then automatethe tilt system. You can remote can
tell those, so you don't evenhave a wind these. I mean,
I've okay, in a house wehave that's older, we have all those

(26:45):
wooded corded. They're not ugly,they're pretty, but what a pain in
the ass. The cords always comeout from the little knaches. Oh my
god, they're terrible. Everything's goingcordless. Get them redone. It's the
w Yeah, mark my god,the number of windows. I shutter the
thing. But I should have youcome over and then at least look at

(27:06):
conversion. Is there any I mean, there's no value to those old pieces
of crap because you got to havethe exact sizes and all that. Right.
Oh, anyway, so that's that'sgood to know though that you can't
convert, and obviously you can't.There would be more work involving converting than
replacing the whole dang thing, right, Yeah. That We've had customers ask

(27:26):
that if they can switch to motorizedfrom Corlis, and you can, but
by the time you give buy themotor and the labor involved, it's more
expensive than to just buy a newone. And here's another thing I want
to ask. If you have thesedo you have real wood still, yes,
who would even see? That's anotherthing. But the composite materials,

(27:49):
why would you have that? Becauseisn't there maintenance? Do you have to
eventually finish them? They come finish. There's tons of differences, and they
last a long time ago. You'renot walking on them, you know,
right right, And they are lighterthan the composite ones. Must take the
sun must take a toll on thosewooden uh varnish or whatever you constained shade.

(28:11):
We definitely sell more composite in Coloradowith the amount of sunshine we get
here. Yeah, but they they'rewarrantied. If they fade, they'll replace
them anyway. Three O three sevenone three eight two five five. That's
made in the shade. We gotmore coming up. Go with a sure
thing Denver's Best roofer Excel roofing dotcom. You don't pay a cent until

(28:34):
you're content. Time for an insurancecheck up free, no obligation. In
comparison, call Compass insurance paying toomuch 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 youchoose Frank durand the real estate man dot
com to list your home with RemaxAlliance three oh three nine two zero sixteen

(28:59):
twenty two. Hi, I'm TomMartino. You're a troubleshooter, Rochelle.
What's going on with you? Rochelle? How can we help you? Uh?
Yeah, I haven't bought a car. My car got stolen and totaled
at Christmas time. So I founda buick. I wanted to buy an

(29:23):
Autoation. When did you go therelast night? Of Autoation super roof offa
By twenty five and a Wrappa hole. Okay, this was last night,
okay, And I've been talking tothe salesperson and he was super guy on
the phone about the car, andhe said, well, come in and

(29:48):
fill out the paperwork. So Iwent in and Rochelle, you went last
night and test drove it? Youdid not take it off the premises?
Did you like take it home afterwards? I mean as it's still there at
the dealer? Yeah, still there, But I didn't get a test drive
it. They wanted to make itpay five hundred dollars to test drive a
car? Now is that true?Nowadays? You can't well listen question unless

(30:15):
you paid money, Rachelle, ifyou wanted to take the car out for
a test drive on your own.They may want security of some kind if
they don't trust you. I don'tknow the answer to that, but I
think they were trying it. Soundslike they were trying to trick you into
some kind of a contract. Youdid not do it right. No,

(30:36):
No, And what car? Whatcar are you looking at? What car
are you looking at? Oh?Well, they had a buy three goal
there for sale, and I'm knownto go into dealerships to look for cars.
Okay. I want to ask youa few things because you are prime
to get ripped off. And I'mnot saying automation will rip you off.

(30:57):
I'm just saying that you're rhymed toget ripped off because you know nothing about
buying cars. So here's what Iwant. I want to give you some
very easy tips. First and foremost, this Brewick Regal. How old was
it or is it? It's thetwenty seventeen, okay, not terrible.
How many miles on it? Onehundred and forty nine thousand? Okay,

(31:21):
don't buy it? Okay? Doyou have a car now? No,
listen, I want you to waita minute. That means she doesn't have
insurance, so when she went totest drive it, it probably was a
down payment of some sort or no, I'm sorry, not a down payment
of security. Okay, but Icarry full cavery ten payents and my car
insurance through Geico on a car.I don't even shall anymore. Rochelle,

(31:47):
Right now, before you get intotrouble, please do me a favor.
I want you to call Rodney atJFR Cars and just tell them you're unsophisticated,
you have some insurance money, you'relooking for a used car. He
will not steer you wrong. Ido not want you just going onto a

(32:08):
car lot. Listen, please don'tdo it, okay. I am so
happy you called before making a mistake. Were you calling? What were you
calling to ask about if that testdrive five hundred dollars deposit was normal?
And right? Because it's not normal. No, it's not normal, all
right. So it's Rudney JFR,John Crank, Robert Carr, It's it's

(32:35):
JFR, which is yeah, okay, So if you want to, it's
Juliet JFR. Juliet Foxtrot Romeo.Okay, cars, now listen, get
that number for her, Katchina,please I don't have it right off the
top of my tie. Absolutely,we're going to give you the number.

(32:57):
Okay, three oh three seven toone, three h eight two five five
oh. I love when people callme ahead of time. It sounds like
she was headed for trouble. Notthat now, believe me. It's not
just autnation. I'm saying anywhere.If you go and you're not prepared,
especially if you have insurance, moneyor something, you may not be making

(33:19):
the best choices. And she evensaid she had never been to a dealer
before to buy a car, andthat really goes with everything when you are
looking at buying something. Educate yourselfahead of time. Absolutely positively educate yourself
ahead of time. So many peoplejust go out and they try to educate

(33:44):
themselves while shopping. You can dothat if you do it the right way,
but most people don't. They listenand they believe everything. So just
remember this if you are shopping forsomething, first, do a bunch of
research and look for what I callthe thread of truth. Go with a

(34:04):
sure thing. Denver's Best Roofer excelroofing dot com. You don't pay a
cent until you're content. Time foran insurance check up, free, no
obligation. In comparison, call CompassInsurance. Pay too much your coverage at
dozens of insurance companies find out nowthree oh three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate

(34:28):
man dot com to list your homewith Remax Alliance three oh three nine two
zero sixteen twenty two. Yeah youneed so you don't have come run anxious
stas as we can. Shooter's gonnahelp. Come man, this is the

(34:54):
Troubleshooter Show. No Tom Martinez.Hey, I'm Tom Martin. You know,
thank you for being here. Weare trying to solve your problems any
way we can. And you know, sometimes it just, you know,
the timing's perfect. This woman whocalled us today about a car she was
looking at. I love when peoplecall us right away and they need help

(35:19):
and they haven't made a mistake yet. She was having some you know,
hesitation, some thought and called us. She went and again she went to
a dealer. The dealer's not important. What's important is she wasn't prepared at
all. She had some insurance money, wanted to take a test drive.
They wanted five hundred bucks. That'snot normal. However, nowadays, who

(35:40):
knows there might be requirements we don'tknow about because of how crazy the world
is. Maybe people I don't know. I mean I wouldn't let anyone take
a car and a test drive atall. Ever, you have to be
careful if you invite people to yourhouse that they claim residency. God's sakes

(36:00):
anyway, three all three seven onethree talk is our number seven one three
eight two five five If you wantto give us a call. We have
open lines and we have Brendan withus from Made in the Shade. We've
been talking about some window coverings andthe new technology and just to bring up

(36:22):
to date, no cords needed anymore. And then you have a lot of
stuff being battery operated and solar poweredor combination of both. I very seldom
would they be hardwired, right unlessyou build a house that way. Our
home's built with hard wires now atthe windows on purpose or not. Yes,

(36:44):
they are doing home two new homesright now, and so they they'll
call us and say what do weneed and we let them know of voltage
and how to do it and whereto put it in and we get the
pant the subpanel for them and thenthey are Yeah, so then the shade
will just come with the motor andpigtail and my installers connect so on a
window opening if you're building, ifyou're building a house or redoing a room

(37:07):
or a section of the house oran addition, as they say, where
would you where do you wire yourtwelve volte it's low voltage ray? Right?
Do do you wire it on theinside or on the outside up in
the corner? Where do you?So? Like just either side in the
upper left corner, upper right cornerof that window opening, inside of the

(37:27):
opening, yep, And they'll justpop it out there like through the dry
wall or the trim or just alittle tiny little string of wires so there's
no receptacle obviously or anything, butyou just the two wires that you can
marry to yep, until my installerwill connect them directly to the motor,
install them and then they all gethome runs back to a panel and is
Wi Fi usually the way people doit or are they private Bluetooth or how

(37:51):
they do it? How do theydo it? Usually? Well? You
remote control is these you know,okay? The remote the remote is just
direct remote, right direct remote,and you can put them all in one
but obviously peach individual. But thenyou can also pair that with a hub,
which is just a USB stick thatgoes in any USB in the house

(38:12):
for plug. And then you canhave the app and you can do open
and close them on your phone literallyfrom anywhere in the world. I mean
you could be an that's right andwhatnot. And that's the thing. More
and more smart homes. It usedto be such a pain and he has
to have a smartphone. I'm asmart house. You would literally have Cat
five carrying it right now, youdo wireless, it doesn't matter. Yeah,

(38:34):
you can connect them to your Alexaor Siri also and just say Alexa
close the living room windows and thenyou have those yep, and Google Home
could do the same or whatever.Yeah, they can all be integrated.
See that's that's pretty cool. Imean that, and you can't can't.
You have what's called scenes, soyes, so you program scenes like the

(38:58):
end of the day, the middleof the day, a romantic scene,
kids playing scene, party scene,yeah, or as the sun you know
comes down or whatever. They'll justindividually close. You can just set that
as a time of day. Someshades also like your outdoor roller shades.
They'll have light sensors and wind sensorsso that if you're gone and you know

(39:19):
how we get gusts of wind inColorado that can really hurt those. The
wind sensor will sense that if youforgot with awnings to right, and it'll
lift it off. Are awnings inyour ballywick or not? Are they considered
window coverings? Yeah? We dooutdoor awnings end roller shades. We don't.
We do mostly outdoor roller shades,but we do. We can do
as with awnings. Those little spinnersI call them that. Those are those

(39:42):
wind sensors, right, so ifor how do how does the sense win
it's just a little they don't havethose, but it actually it's just a
little device that just picks up thewind, the wind speed, and it'll
automatically raise your shade just to preserveit. Yeah, because otherwise it could
be it could be end. Yeah. Now when you say outdoor shades,
those are decorative. You don't dothe ones for golf courses to keep windows

(40:06):
from breaking. Dal well are soour outdoor solar roller shades. First of
all, their main function is tois to block the sun so you can
go out in the evening and enjoyyour patty exactly. However, absolutely that
we do them on homes on golfcourses. There's no way a golf balls
getting through there. I mean itis a thick like strong solar material.

(40:27):
Oh really yeah, But it's notlike it's not aluminum or anything, right,
No, no, no, they'rejust it's it's a POLYI like fabric
like a solar screen. But isit's very strong? Is it taut or
is it yep? And so itcomes down either on channels and is anchored
to the ground or on cable guide. And how did they hold up to
hall? Oh? They do reallywell. They're fine. They're usually under

(40:50):
like an overhang, you know,mounted, But no, they're fine.
Hail is fine on the fabric.Three oh three seven one three talk three
h three seven one three eight twofive five. So as far as consumer
news goes, I have some stuffthat I've been watching, And first of

(41:12):
all, I want to ask something. Do you think that the woman who
was who was charged in her son'sshooting at the school? What do you
think about that? Mark? Whatdo you think about that? I mean,
do you think that that mom itwas Ethan? Did she buy the
gun. Probably, I see,I'm all by the gun. Was he

(41:36):
underage? Did she know he wasgave the gun? Actually? Well,
I mean there's a lot of thingsdo unpacked, and they said that that
she kind of knew he was havingproblems. But this is a big deal,
man, I mean, this isa really big deal. There.
They're basically saying that she's responsible.And if parents were held more respond for

(42:00):
kids' actions, boy, would thatchange things tremendously. I mean think about
that. So I really was thinkingabout you go all the way back to
Columbine, and I don't think therewas any criminal charges, but there was
definitely civil lawsuits and their homeowners endedup paying out to everybody. So I
mean that's somewhat holding responsible. Butthe criminal aspect is somewhat new, you

(42:24):
know it is. And when youtalk about liability, it gets really complicated
because there's a difference between negligence andliability. Yeah, but how old was
the kid? Do you have itin front of you? No, I
don't have the whole thing in frontof me. I mean, you hand
a kid, you know, ashotgun or whatever, a pistol. I

(42:45):
don't even know what kind of gunit was, and the kid's fourteen and
not supposed to have it, andyou allow them to keep it in their
room and take it outside and bringit to school and have any Yeah,
I think John is John Fuller upon his line right now? Is John
Fuller here? Thanks? Well?Yes, John, Yes, sir.

(43:07):
So we're talking about liability and thatwoman being tried for her for the school
shooting. You're you're aware of thatobviously, right, I sure? Am?
Okay, let's talk about this parentsand liability. You're you're a personal
injury attorney. You know a lotabout liability. Is there a difference between
liability and negligence? Well, certainly. I mean liability is some personal responsibility

(43:36):
that that follows some action or inactionthat you're responsible for, you know.
Negligence is more of a a anaffirmative act that you know, and it
could be an omission as well.I guess that the two are very close,
but there are subtle differences that makethem different. You know, for
example, you could be liable forsomething but it was unintentioned. It was

(44:00):
it was like an accident, Itwasn't negligent on your part. Is that
yeah? And liability could easily followa contract or something to where you're legally
responsible but didn't actually do anything wrong. Okay, And in this case,
they're saying she knew her son hadproblems and should never have been supplied a

(44:22):
gun. That's it, you know, period. And they're not making they're
not attempting to make her responsible forthe consequences of the shooting per se,
but wholly separate crimes relating to herincompetence as a parent to a criminal.
You know, degree, Well,she didn't keep track of the gun for

(44:44):
one thing, right right, itwas under lock and key with the combination
of zero zero zero zero. Socan you think of cases printal? Can
parents be health simly liable? Thenif they go to a neighbor's house and
they do damage? Have you haveyou heard of that? Or kids go

(45:07):
to a neighbor's house and do theparents behaved kids do something? Are are
you liable for your kids' actions?Is what I'm asking. I think there
are circumstances where you can you canbe liable and and I think there's so
many shades of gray here that it'shard. But I'll give you a couple
of just quick examples. If youare part and parcel and that's what they're

(45:28):
getting at with this case of providingthe instrumentality that that you know that was
used to create the damage, thenyeah, you might you might share some
responsibility. No differently than if yougave the keys to a drunk leaving your
house and let them drive home whenwhen they were knowingly intoxicated, you you
probably have some culpability under that circumstance. So, and that's what they're trying

(45:52):
to get at with this mom,is that she knew he was, you
know, in a a mental statethat you know, where bad things could
happen, and then nonetheless provided himaccess to this gun. The question is
going to be what did she knowand when? What did you know?
There's nobody that knows this kid betterthan the mom, and the fact that

(46:12):
he went and shot somebody is not, you know, one hundred percent foreseeable.
They're making it sound like it wasan inevitability, but I don't know
that it is, because lots ofkids threatened to do things that they never
ever actually do. So I don'tknow. That's a tough case, and
it's a slippery slope, and I'mnot sure we want to go down it
by jailing parents for every you know, every action of children. But it's

(46:35):
a it's a case where you justintuitively want to hold everybody responsible for something
because kids lost their lives that day, you know. And on another note,
which is kind of similar, arewe responsible for the actions of our
dogs, for example, or isit something we should have known? Well,

(46:57):
I think that's a newer should haveknown. I mean, in Colorado,
for instance, the fact that it'sso hard to really you know,
wade through the whole negligence playing fieldwith the dog. We have statutes that
define what, you know, whatthe acceptable conduct is. And that's another
way that the legislator. Legislators justsay that, you know, we can't
figure it out. We don't trustjuries. So it's interesting because in some

(47:17):
states dog bite cases are you know, are huge, and attorneys are clamoring
to get these cases, and others, like Colorado, I don't think I've
handled more than two dog bite casesin my entire career because statutorily, there's
just no real avenue for recovery absentit being just a horrific mauling from some

(47:39):
dog that had done it before.And I don't agree that that statute is
where the line should be drawn,but that is where it's drawn in Colorado.
All right, thank you, that'sJohn Fuller. We got more coming
up. I'm Tom Martine three ohthree seven one three talks seven one three
eight two five five. By theway, Genesis total ex for all of

(48:00):
your storm losses on one invoice,one point of contact Genesis. That's everything
from the roof down to the deck'spainting, siding, windows, doors stuck.
Oh they can do it, Genesis. Tootalexteriors dot com. Go with
a sure thing Denver's best roofer ExcelRoofing dot com. You don't pay a

(48:22):
cent until you're content. Time foran insurance check up free, no obligation
comparison call Compass Insurance. Pay toomuch your coverage at dozens of insurance companies
find out now three oh three sevenseven to one help. You'll think you're
his only customer when you choose Frankdurand the real estate Man dot com to

(48:43):
list your home with Remax Alliance threeoh three nine two zero sixteen twenty two.
Hi Tom Martine here three oh threeseven on three seven one three eight
two five five. So Mark wastalking off the air something that I think
is very important because we were talkingabout liability and parents and all of that.

(49:07):
Mark the point you were making.It's crazy, man. So that
very day, a teacher found somethingon his desk or something this kid that
shout up the classroom, and whatit was was a picture of him killing
people. So she brings him tothe principal's office. They call the parents
in, They have an impromptu meetingright there that day about him, and

(49:30):
they all decide, yeah, we'regoing to start looking for a counselor we're
going to start doing this and that. But then, without searching his backpack,
his locker or anything, the principalin the teacher cut him back to
class, and that's when he startedblasting people. Now, if they're going
to hold the parents responsible, whythe hell wouldn't the principle in this teacher

(49:52):
that found this letter, it didn'teven search his backpack not be tried.
I totally agree creole three seven toone to three talk. I totally agree
that. Yeah. So no,I mean, but give me a reason.
Think about it. They're charging themother, okay, And let me

(50:14):
tell you this. From what I'mreading, the mother didn't purchase the gun.
They purchased it on black Friday,a few days before the event,
and it was the father and theson. So I don't know what the
mother has to do with the gun, but whatever, she probably knew about
it. In fact, I knowshe knew about it. But that's one
thing. But why would they prosecuteher? But let the dumb ass principle

(50:36):
and the dumb ass teacher get inno trouble whatsoever when they didn't even search
a backpack after finding that stuff,let the kid return to class. And
then he blasted people. Seriously,Tom, why, I'll tell you why,
because they protect their own That okay, enough said, I totally agreed.
I mean no disagreement. Now,Jan, he has a problem with

(51:00):
a storage unit. Jan, what'shappening with you? Welcome to the show,
by the way, People, anyproblems, question or complaints, we'd
love to entertain and help if wecan. And Jan, what's going on?
Yeah? Hi, Tom, Hey, I got a call from my
I got a call from my storageunit this morning that it had been broken
into, and apparently they did apprehendthe suspects who had merchandise of mine.

(51:30):
They had ransacked my unit and thecops were called, and so they want
me to come over and I guessthey have to do an inventory and maybe
file a police report whatever. Butbefore I go over there, you know,
this is this is supposed to bea secure property. It's behind a
gated entrance where you need a codeto get in, and it's inside of
building my units up on the secondfloor. I don't know how they got

(51:52):
in because I could, you know, I don't think I could get through
my own lock. And it wasall under the premise of this is a
safe place to keep your merchandise.And so now I'm wondering, you know,
how liable are they for my damages. That's a very good question,
Jan, because we just had thisdiscussion with our attorney. Now what you're

(52:14):
discussing, and you said it acouple times, this is supposed to be
secure. This was under the premisethat it was secure, And you said
something else about being secure, meaningwhat you're trying to portray, and again
it may be accurate, is thatthey created what was called a bailment.
That creation of a bailment says basically, hey, Jan, you pay us

(52:40):
and we're going to keep your stuffsafe. Now if you know it your
paper, what's that more? No, that's you know, that's not what
you signed in the agreement. Whatresponsible? You took the words right out
of my mouth. That agreement isgoing to specifically. I believe this blaim

(53:00):
any bailment. Now you did youlook at your paperwork? But Jan,
did they agree with you? Jan? You're right, this should have been
safe. We let you down.Here's the money. Yeah. No,
I haven't looked at the agreement.But this is good because when I go
over there, I'll ask them topull up the agreement and show me the

(53:22):
section where it absolves them of anyFailman. Well, actually, actually it's
just the opposite. To create abailment, you would have to show them
where they take that responsibility. Inthe absence of an agreement, the default
would be they're not responsible unless theydid something stupid. Okay, did you

(53:45):
just hear the discussion we had withJohn Fuller, attorney at law. That
discussion was what did they do wrong? In other words, did they contribute
to this break in? For example? The same thing happens really when your
car is in a shop and theshop is broken into. People are not

(54:07):
responsible for criminal activity unless they somehowcontributed to it or were negligent about it.
For example, if they knew therewas one door everyone always gets through.
Maybe they light it up and theyreinforce it, or if they knew

(54:28):
they had a shady employee or somekind of problem. Jan. Just because
it now, listen, this isthe most important sentence. Just because it
happened there doesn't make it their responsibilityagreed. Okay, So what you need

(54:49):
to do is figure it out.And by the way, I'll bet you
that your agreement not only says we'renot going to take responsibility for this stuff,
but that you should have insurance onit, which I do. Good
now, and what's wait a minute, then, what's the issue. That's
great? You're going to get reimbursed. Well I don't. I don't even

(55:13):
know what's gone yet, Mark,But oh, I guess I go over
there. But my question was morealong the lines of, fine, yeah,
I get reimbursed. But you knowit goes back to what I said
earlier. Well, you know you'reportraying this as being a safe place to
keep Well, what do you mean, hold on, Jen, tell me
what you mean by that. Dothey have in any advertisements safe crime free,

(55:37):
secure? Well, tell me whatyou mean you now this is the
fourth time, what do you meanthey are portraying it as being secure.
What do you mean by that?You know, like, I'm sure they
say secure, but you know,well where what's the name of this place?
What's the name of it, pupesmart, Cube Smart, and where

(56:00):
is it? This location happens tobe behind the walmart in you off a
rapa hole road in Inglewood exactly.Okay, Okay, I'm looking at them,
okay, and you should go totheir website and you should read about
it. I do not see Ido not see one word on this entire

(56:24):
website that says secure or safe.Not one. Now. Now, I'm
not saying it's not there. Idon't see it. And I'm doing one
of these word searches, you know, of the site. Yep, behind
the scenes. I don't see it, not one. But it could be.

(56:45):
Again. I think that these peoplehave been in the business a long
time. And I don't see safe. I don't see secure, I don't
see crime free. I don't seelet's see cube smart or its facility offers
drive off access. These units arearound the clock. Okay, here's what
it says. These units have aroundthe clock video monitoring for your peace of

(57:09):
mind. They have access blah blahblah, set up a no commitment reservation.
So they say they have around theclock video access. Now who monitors
that? Were you given an appor something or do they monitor that or
what? That's the only thing thatcomes close to hold on state of the

(57:36):
art electronic gates, well lit clean. I don't know, man, I
just don't know. I'm looking atpart of their contract to bottom says customer
agrees to idemnify defendant and hold CUESmart harmless against any and all claims for
loss expanse, liability, injury damagearising out of virtually anything. I don't

(58:00):
think anyone would look at this websiteor the contract and say that they guaranteed
anything. And the fact that theysay they have video monitoring, they're not
telling you that they're I think.But again, go there and see what
they offer. I don't think they'regoing to offer anything. Three oh three

(58:21):
seven to one three eight two fivefive. Remember Regen dot com, Denver
Regen dot com. If you're lookingfor weight loss at two hundred and fifty
bucks a month for semiglutide compound atDenver region dot com, go with a

(58:45):
sure thing Denver's best roofer Excel roofingdot com. You don't pay a cent
until you're content. Time for aninsurance check up free, no obligation.
In comparison, call Compass Insurance payingtoo much. You'reverridge at dozens of insurance
companies. Find out now three allthree seven seven to one. Help.
You'll think you're his only customer whenyou choose Frank durand the real estate Man

(59:07):
dot com to list your home withRemax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino, your troubleshooter three three seven one three
talks seven one three eight two fivefive. Joey's got an issue with a

(59:28):
dentist. Joey, what's going onwith you? I was going, uh
back in April of twenty two,I had two root canals and two crowns
at a dentis, and uh therewas I used my HR card to pay
for it, and uh, theyusually want a receipt whenever with anything that

(59:50):
has to do with dental. SoI sent it to him when they asked
for it, and there was adiscrepancy from the well who asked for it.
First of all, the HR youmean you mean the the banker?
Where where do you have it account? What's that? It's a health reimbursement
account. So it's like it's hisemployer generally, No, I get it.

(01:00:13):
But where do you keep the moneywith your employer? Uh, there's
a separate company that manages it.Okay, it's not Tom, it's not
an Hssay, it's an h rHR. Okay, okay, okay,
okay, I'm sorry, got it. So, So, anyway, they
want to see receipts to make surethe payments are accurate, right, right,

(01:00:34):
and uh so I sent it tohim, and then they started asking
for a letter of medical necessity,which I had a problem getting that from
the Wait, you mean just soyou didn't get root canals just for fun
and grins? Come on, arethey kidding me? Well, yeah,
they asked for it, and ittook me a while for the Dennis to
respond to get that to me.It came down to where I had a

(01:00:57):
week left before they were going toshut my cart off. I had to
pay that money out of pocket,and I was on the phone with the
HRAA and I asked them why theyneeded that, and they said that it
got flagged because there was a discrepancybetween the what the insurance paid and what
the dentist said they paid. Waitwait, wait, what was the discrepancy?

(01:01:21):
Well, it took me a whileto figure it out, but it's
the contracted amount is where the insuranceis less and the dentist is more.
So there's like a seven hundred dollarsdiscrepancy. But where did they come up
with their price? I don't know, So I called the insurance in.
I mean, aren't they going byyour actual receipt of what you paid the

(01:01:45):
dentist or the insurance? Well,your your your h essay or your health
savings? Aren't they go ahead?They go by the if everything match is,
then there's no problem. But theresince there was a discrepancy from what
the insurance says they paid, theinsurance kind of says they paid more than

(01:02:07):
what the dentist is. Well,here's what I don't understand. If insurance
paid, why are you using yourHSA it's not HSA. Well, whatever
it is, Mark, is itfor your deductible? Is that what it's
for? It's generally an employer thatreimburses. It's a re environment arrangement.

(01:02:29):
Mark. I understand that, butyou don't reimburse the claim if insurance pays
it the chent and cover the entireamount. Okay, then that's what I
was asking. So your HSR ispaying your part, right, got it?
Okay? So the insurance amount theMount Insurance paid is less than the

(01:02:49):
dentist said they charge. The insuranceis paying more than what the dentist said
they paid. It's the contracted amount. That's where there's a discrepancy. But
really, none of this right becauseall this did was created to get flagged.
That's what created the issue. It'sgot nothing to do with that,
is that right? Right? SoI started asking them about the dentists because

(01:03:14):
I called the insurance. They saidthere, yes, there's a discrepancy.
There's nothing we could do. Youhave to talk to the dentist. So
I started showing them and the firsttime I went in there they said there
was one lady that said no,everything's fine. And then I went back
a few times and finally talked tothe office manager and he said, yes,
there's a discrepancy. I'll get you. Well who's right and who's wrong?

(01:03:35):
Well I don't know. So that'sthe thing is, they never get
back to me. So every timeI go there and call them, which
I've been doing for a year already. Did the time run out? No,
I don't really care about if eitherthey stole the money or they if
it's not a big deal and they'rejust not explaining to me what the problem
is. Or you never got reimbursedbecause you never got reimbursed because it no,

(01:04:00):
not for the seven hundred dollars,And I don't even really care anymore.
I just want people to No,I would care about my seven hundred
dollars. In fact, you knowwhat I would do if it If it
turns out that the dentist is theone holding this up, I'd sue him
for the seven hundred dollars. Iwould say, as a result of your
negligence, you you know you didnot you cost me seven hundred bucks.

(01:04:23):
Right, So the dentist is sayingthey got paid how much they won't tell
them. No, So the contractedamount that the dentist is saying that they
charged is twenty three sixty two,and then the insurance is saying that it's

(01:04:48):
sixteen seventy six. Okay, becauseyou know why I think that the dentist,
because your insurance is going by theapproved amount. Your insurance doesn't simply
pay what the dentist bills. Sothere's always a discrepancy. There's always I

(01:05:09):
mean you have that with Medicare.With everything. You have the build amount
and the approved amount, right,okay, so there is no discrepancy.
Your insurance company is stupid. Imean those two amounts never I have never
seen those two amounts match. Ever, it was not a big deal.
I just wanted them to kind ofexplain it to me more and they which

(01:05:29):
they, Oh, okay, everyrespond to me. The dentist, doctors,
dentist, everyone always bills what theybill. The insurance does the approved
amount, and that's what they baseit on. So and they pay the
approved amount. Problem too, isthe the amount that the dentist says the
insurance paid is different from what theinsurance says they paid. So the insurance

(01:05:54):
is more the insurance. So yourdentist is underclaiming in come right. I
would I'll tell you what I woulddo. I would take my dentist to
small claims court for that money,saying they cost me that money by not
keeping accurate records. Did you payhim? Yeah? Because okay, as

(01:06:15):
soon as I got the letter ofmedical necessity, than the HR improved it,
so everything was fine. They approvedit, but they didn't reimburse you.
Oh the dentists. You mean no, you'r HR didn't. You're you're
not out of pocket right? Uh? Well, the HR money is is
taken out of my wages and textgod Joey, it's still my money.

(01:06:42):
I'm asking you. Did you comeout of pocket? Yeah? He did,
Yes, I did. Okay,not from the HR. Oh the
HR raised his money, Tom,I get it. But that's what it's
supposed to do. It's supposed todo what it did. Go with a
sure thing Denver's Best roofer Excel Roofingdot com. You don't pay a cent

(01:07:05):
until you're content. Wait time foran insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverageat dozens of insurance companies find out now
three all three seven seven to onehelp. You'll think you're his only customer
when you choose Frank durand the realestate Man dot com to list your home

(01:07:27):
with Remax Alliance three all three ninetwo zero sixteen twenty two. Hi Tom
Artino, your troubleshooter three O threeseven one three talk seven one three eight
two five five. Joey, here'sthe bottom line. Now, I understand
you're not complaining that you did notget to use your HSR or HSA,

(01:07:54):
whatever your health savings. You're notYou're not complaining about that. What you're
complaining about is that, during theprocess you discovered the dentist and the insurance
company do not agree on what's paid. Big deal, that's a nothing burger.
Who cares? Who cares? Whocares? Go with a sure thing

(01:08:15):
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkupfree, no obligation. In comparison,
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three all three seven seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate Man dot com to list your

(01:08:39):
home with Remax Alliance three all threenine to two zero sixteen twenty two.
You need so you don't have cassto care. The Shooter's gonna help coming

(01:09:02):
man. This is the Troubleshooter Show. No Tom Martino, Hi, Tom
Martino Here three all three seven onethree talk seven one three eight two five
five what's going on in your life? Plenty of time for phone calls.
If you have a problem, questionor complaint, give me a call now,

(01:09:26):
listen. Do you know right nowmore than thirty million people have unclaimed
money unclaimed money. Now, don'tfall for those scams to say I'm a
money finder, you know, helpme and I'll help you. But there

(01:09:47):
are that many people. One inseven people have unclaimed money and they don't
know about it, about it.They just don't know about it. And
there are state databases that carry thismoney and it's anything from a closed account
to a refunded insurance check to anykind of unclaimed stuff. But they say

(01:10:11):
it is an unbelievable problem trying toget people to know about it, and
you have to go and find itthat. In general, they're called they're
held by a treasury of the stateyou're in. Money has to be sent
to them, and it's called they'recalled es sheet funds. So what happens

(01:10:34):
with a sheet funds, Well,the monies are deposited there and then you
have to go and search. There'san National Association of Unclaimed Property Administrators.
But I'm not sure that is nota come on. But you can search

(01:10:55):
for unclaimed property by your name.You go to unclaimed well, one of
them is unclaimed dot org for example, and you can go down and search
your name. Uh. For example, if you're in Colorado, you click
on the map for Colorado and theyhave an escheat fund and what you do
is put your name in and yousee if you're doing it. So I'm

(01:11:19):
gonna you can put your name in. I'm gonna put my name in and
you can see if you are inline for money. Have you ever done
this? Mark? Yeah, Ithink it was called the Great Coloradopayback dot
Com. I've definitely done it.I'm trying to remember what the website was
though, and I just did it. I just put in my name.

(01:11:42):
I went to. Uh. There'sall kinds of places you can go,
and a lot of them are legit, and this one is searching its search.
All you got to do is searchGreat Colorado Payback and you'll see the
one. Right. I'm not onthat one, but you're right. That's
a good that's a good site we'vehad in the past. Anyway, there
are people and this is what Idon't understand that did not even know they

(01:12:08):
had a claim in an estate.You know, that's crazy. I'd like
to ask our state attorney about that. Maybe we should call one of them
for the heck of it. Let'scall Dan McKenzie. I'd like to know
about it. You see, ifMcKenzie's around, and how would anyone not

(01:12:28):
know that they are entitled? Andwhere does the money go? Does it
go to these as sheet funds?Because oh, by the way, I
search and guess what it says herethat I don't have any money coming?
Okay, dog gone it? Ithought maybe I did. Have you ever

(01:12:49):
found money? One time I hadmoneys? One time I had money from
an FAHA loan I had years andyears ago where I had prepaid private mortgage
assurance or something. And when Irefinanced, what I did not realize is
that you actually get a refund ofthat. Did you know that you get

(01:13:13):
so? And and that refund wasthere for me. It was a few
hundred bucks and I had never knownabout it. So I thought that was
pretty cool. So we have Brendan. I have some text here for window
coverings here and there. One wantsto know about window coverings when it comes
to solar. Now listen to whatthey mean by this. Are there any

(01:13:36):
window coverings that capture solar for thehouse hold on a sec go ahead?
Have you heard of those? Idon't know of any. Now there are
used to used to be windows,but I'm not sure are those windows even
still around though. That's the thing. There were windows that you could buy

(01:13:58):
that would be able to capture solarand feed into your grid. Right,
And that's another thing I'd like toknow about because I think they they were
like a flash in the pan,and I think they went away. But
okay, someone else wants to know. On the battery operated ones, can't

(01:14:18):
they be solar operated? Do youhave to have do you ever have to
replace batteries? Yeah? So theywould be on a rechargeable battery that you
would also connect a solar panel to, and that solar panel pretty much keeps
them charged year round. Maybe everytwo or three years. You might have
to put like a good charge intothem and then for a couple few hours

(01:14:39):
and then you're done for another couplethree years. And you know, of
course, it has to be southfacing. It can't be on the north
side of your house under a treein the shade or something, it's not
going to function. So basically itextends a long time the law. Yeah,
and of course also depending on ifyou're putting them up and down constantly
every day or you you know,you more or less leave him up or

(01:15:00):
down. Chris, what about findingmoney? Did you find money? I
found money several times. Once Ihad overpaid a credit card and they wound
up sending money to Colorado State.And then long many years ago and I
lived in Missouri, I found moneythree times there. But my comment specifically
was, if you have a deceasedrelative, like a parent, you can
also check for their stuff. Andas long as you get copies of the

(01:15:23):
death certificates and so I off thatyou are the beneficiary, they will send
you their checks. Have you everhad that happen? My brother did for
my grandfather. He's older than me. He was the oldest living relative.
So for my grandfather back in NewYork, he wound up getting his money.
How much at the time it wasprobably just a couple of hundred dollars,

(01:15:45):
but I know all total from me, I've gotten like wiber fourteen or
fifteen hundred dollars from Colorado and MissouriOkay, thank you, Chris. I
want to talk to Dan mackenzie.He's an attorney at law. He does
the state planning and I'll give outhis contact, but he does wills and
trust and helps you face probate oravoid probate. Hey, Dan, I
wanted to ask you something. Haveyou ever heard of money from an estate

(01:16:11):
going into the escheet funds because theycan't find the air or do the other
heirs get to split it? Howdoes it work? Usually the other heirs
would get to split it. Alot of wills and trusts and other documents
will say they either if someone can'tbe found or they don't have any decendants,
then the other the other air splitup pro rata. But it could

(01:16:32):
It certainly could. That could bea source of funds and the endplant of
funds because if it's not mentioned whatto do with it? Does the estate
have a choice. If there wasone thousand dollars set aside for Johnny and
Johnny can't be found, they can'tjustmatically take it, can they? Yeah,
that is a problem. Yeah,if he can't be found and they
don't really know, Like, yes, I think that that really Yeah,

(01:16:55):
you could end up in a situationof having to turn it over to the
un claim fund. And did youhear what that other guy said too,
that if you can show you're anheir to people in an unclaimed fund and
there's a death certificate, you canyou can claim that way. Have you
ever heard of that? Oh?Yeah, yeah, we've we've engaged in
that process and they do. They'repretty rigorous about it, as you can

(01:17:16):
imagine. They want to make surethat you really are the right person and
you have a right to it,and that the person you know that let
left documents and is deceased in allthat, so you know, there is
a process. So if anyone hasany relatives and they search the sheet funds,
the Colorado Payback or whatever state you'rein, and they find there's money

(01:17:38):
and that person's deceased, there isan outside possibility they could be in line
for that money that was left.Yeah. I just found two hundred and
fifty bucks for yourself. Yeah,it was from Colorado Carcare my good Years
and it was from the Workman's compI must have overpaid to Pinnacle. Pinnacle

(01:18:02):
transfer it over there, So Ijust submitted to claim. Hopefully I get
it. That's pretty cool. Yeah, everyone should do that search every once
in a while because we I mean, it's part of our process. In
the probate process. We do anunclaimed property search for the person who passed
away, and we get a lotof hits. I mean, it comes
up a lot, no fooling.That is pretty cool. Hey, Dan,

(01:18:24):
does it sit there forever or justthe state eventually snag it? You
know, I don't remember how thatgoes, but it's there for quite a
while, so yeah, I don'tknow went it eventually? It must go
away eventually, Okay. I havejust did this on the Colorado payback and

(01:18:45):
I have from Sentry Insurance, AIGProperty Casualty, Western Union Financial Services,
Optimum, and some others. Ihave a total of six thousand dollars.
I can't believe it. Now,where did this money come from? It'll

(01:19:06):
say, OK, well, itsays it just says what it is.
It just says it's from insurance.Two insurances. I had Century, I
had AIG Property Casualty. What isWestern Union for APO that used to be
a sponsor of ours? They oweyou money? No, that's a city?

(01:19:27):
Oh yeah, what the hell's that? What city is APO? That's
weird? Man? Anyway. Threeoh three seven one three, eight two
five five. We have more comingup on the Troubleshooter Show, and that's
Dan mackenzie. By the way,if you ever need to get in touch
with them eight three three COO Planseight three three COO Plans or co Plans

(01:19:50):
dot co. Go with a surething Denver's Best Roofer Sell roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance check
up free no obligation comparison call CompassInsurance paying too much your coverage at dozens

(01:20:13):
of insurance companies find out now threeall three seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three oh three nine two
zero sixteen twenty two. Hi TomMartino here three oh three seven one three

(01:20:33):
talk seven one three eight two fivefive. Welcome to the show. So
did you know that TikTok failed tocome to an agreement with UMG Universal Music
Group And that is a giant placethat gave royalties or licensed them to use

(01:21:00):
music. And now most all musicis now removed from TikTok, not allowed
to be used in your pictures orI mean in your tiktoks, so in
your VIDs. So basically their licenseanything that was licensed through UMG is being
taken off of TikTok and you cannotuse it. By the way mark,

(01:21:24):
we often get a UMG copyright notice. Did you know that when when Shannon
and Dragon let the use it yepplay a little too where they use a
song that for some reason umgesus we'renot supposed to use and they say they
own apparently more music than anyone inthe world. So basically they're in negotiations.

(01:21:50):
No negotiations broke down, but rightnow they say TikTok has to let
them use it, has to comeup with an agreement or they're going to
be totally screwed. Because music ispart of ninety five percent of all videos.
So what happens to the videos thatwere up already that had music on

(01:22:14):
them. Do they get to stayup or do they have to be taken
down? That's what I don't know. And another thing, did you know
that they're going after tribute bands nowto pay fees? Did you know that
if you want to use music.You have to actually pay fees if you

(01:22:38):
play for pay? What do youthink of all the tribute bands? What
do you think the number one tributeband is today? What do you think
for what band? The number onetribute band? Brendan any idea? The
number one a tribute band? Ohman, I don't know. Bohemian Queen

(01:23:02):
Queen. Well it's Bohemian, youknow, because it's it's tributed. But
that's the number one selling as faras tribute bands, and they're supposedly incredible.
But Adam Lambert, oddly enough,is not the one in that band.
Remember he was this He was thesensation on American Idol that went to

(01:23:26):
the real queen. But anyway,this is a tribute ban the number two
you would think these of course theseare come on anybody you want to think
about it? The best of Journeyor actually it's not Journey, but the
name is Escape taken from a song. But that is a Journey tribute band

(01:23:46):
is number two. There's a bigZeppelin one and a big like Number three
is the Beatles tribute band called calledBritain's Finest. Now I've heard of nineteen
sixty four. I saw those guysat Red Rocks. But this is Britain's
finest. It's called and number fouris Britt Floyd. Yeah, Britt Floyd.
That's it for Pink Floyd. AndI hear they're amazing. Mark.

(01:24:11):
Have you ever heard a tribute band? Of course you have. I mean
have you actually gone to one oftheir concerts? You know, we had
this is a very weird story.We had someone, in fact, he
might still be doing it that wason this actually on the referral list,
and he was a sponsor of theshow and he had a tribute band.

(01:24:33):
He might still have it for youtoo. Oh nice, And I went
to see him. I mean,they drew big crowds. His name is
Ted Gravelin. It was Gravelin anddo you know I believe Ted Gravelin also
did Mark before Garrett took it over. He did eight eight eight heating,

(01:24:54):
right, and I do believe so. And then he sold it to Garrett,
and I understand Ted is still doinghis tribute stuff. That's a weird
one. But that was a localI say, local Colorado band that did
a tribute to you too. Anyway, So led Zeppelin's tribute band is called

(01:25:18):
Zeppela say they always have, andthen Mark, you'd love this one iron
Maidens. Oh I'm not a bigIron Maiden fan. No oh okay,
oh no, no, you likewhat's her name? Metallica? That's exactly
right. And then this one I'dbe oh abba abba or whatever that they

(01:25:43):
have an abba and the number eightis Cuban Siss, which is a tribute
to Grateful Dead. Now that's gotto be hard to do because you ever
had structured But what's that Mark?In Castle Rock last summer, so not
many months ago, they have abeer fest once a year and they brought

(01:26:06):
in this band called that Arena RockShow. So they come out there like
poison. Then they run back andchange clothes. Then their Kiss, then
their Bond Jovi, then their defLeopard. They did an amazing job of
all the wow. Wow anyway,uh there is one to uh yeah.

(01:26:28):
So anyway, so tribute bands seemto be a big thing these days,
and you can actually you can actuallyhire them for private gigs because they are
more affordable than, of course,really big bands. Three oh three seven
to one three talk seven one threeeight two five five. I got one
quick question about window coverings that justcame in and this is about are there

(01:26:54):
insulating qualities to any can you getif you have a cold room, can
you get window coverings that have insulatingBrendan? Yeah, so shutters are your
most insulating, but right up therewith wait, wait, how could shutters
be just the thickness of the woodand they really yep, yep, they
do a really good job. Butcell shades, which are honeycomb shades as

(01:27:15):
most people know them. Those rememberthose ugly things they used to call room
warmers. They're the ugliest things inthe world. They look like, for
lack of a better word, foldingkind of uh, quilt. Have you
do you never saw those come on? No, Like they they're like they're
like, I don't know, likecloth, like a big and then and

(01:27:40):
you they would fold up. Theywere almost like, I don't know what
they have Roman shades that that arethey're fabric and they pull up and collect.
That's more of a decorator. Yeah, well they I thought they were
called room warmers, and boy werethey ugly. They had like they were
like quilts for lack of a betterword, and you pull this cord and

(01:28:01):
they just fold up like an accordion. Yeah, it's that sounds similar to
a Roman, but Roman shades arequite pretty anyway. Three O three seven
one three eight two five five.Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time

(01:28:28):
for an insurance check up free,no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurancecompanies find out now three all three seven
seven to one. Help. You'llthink you're his only customer when you choose
Frank durand the real estate Man dotcom to list your home with Remax Alliance
three all three nine two zero sixteentwenty two. Hi, Tom Martino,

(01:28:53):
you're troubleshooter three all three seven onethree talk seven one three eight two five
five. So I have Annie whowants to talk about shades or a question
on shades. Go ahead, Annie, what's going on? Hi? I
have I'm wondering about the size ofthe cell on those cell shades, Like

(01:29:13):
I have three eight inch double cell, but if you have let's say,
has inch, is the size ofthe space of the cells more insulating as
they get as the cells get bigger? Does that make sense? Yeah?
Yes, I know what you're asking, I would have what does it?
It is a double cell, whichis good. They're front and back yeh,

(01:29:35):
which is the cells are just airspaces, right they are so like
that air pocket kind of is likean insulating factor, doesn't it Does it
actually insulate or just cut down ondrafts? It actually insulates. It does
have an R value. It's notlike the insulation in your wall, but
it does have a low R value. And so what are you saying?
The more chambers the better? Yeah? And double cells are the best.

(01:29:58):
Absolutely, yeah, three quarters thethree quarter double cell will give you more
than your three a's as will ithappen. So the more cell, the
bigger the cell, the better.The more double cell is better. Double
the cell. They don't have triplecell, right they double? Okay,
okay you have Do you notice theinsulating quality? Oh yeah, oh yeah

(01:30:23):
I do, and I do theylet me ask you do they insulate both
against the cold and the heat.Yes, well oh either one? I
mean yes, so it helps yourair. They regulate your your home temperature
for sure. Really well yeah,I noticed when I pull the shades up

(01:30:46):
if it's cold out, you know, and I put my hand up against
the shade, I'm not feeling thecoldness. Well, that's cool, thank
you. Annie. Listen, whatabout tinting? Does anyone do windows anymore
in homes? Do you? Guys? Don't do it to you? We
don't. I've seen I've never I'venever seen a window tention. Well,

(01:31:08):
first of all, I've never seenany window tinting that holds up. Yeah,
mostly in commercial spaces. Is wherethe tinting is and does it?
Does it? It's a film soit can actually scratch. We still obviously
so. But they they work,They really work, but they don't necessarily
last long. And do you usuallyput them on the inside or the outside?

(01:31:30):
Our commercial ones, I believe wereon the inside. They would have
to be because the weather could justtake a toll on them. Yeah.
All right, So someone else heardJohn Fuller's commercial earlier and texted me.
By the way, you can alwaystext at five seven seven three nine.
They wanted to know about gap insurance. He mentioned gap insurance because people get

(01:31:55):
in an accident and they expect theor the other insurance or their insurance or
their collision whatever they have to payoff their loan. Here's what's really important
to know. Gap insurance does covergap between what you paid, you know,

(01:32:15):
and that loan if the loan ismore than it should be for that
car, but not unlimited. Mostgap policies will only go to one hundred
twenty five percent of value. Sokeep that in mind. There are people,
by the way, that are waymore upside down on a car than

(01:32:36):
one hundred and twenty five percent,and that's because they got involved in that
negative equity snowball. Now, negativeequity snowball, what is that? Well,
it's the number one reason young peoplehave terrible credit and many young people
go bankrupt. You start out witha car, and you paid a little

(01:32:58):
too much for it. You don'tkeep it, you don't pay it off,
you didn't pay cash for it,you don't keep it. So now
you owe let's say sixteen thousand dollarsand it's worth ten. You literally have
negative equity of six thousand. Ifyou kept it and paid it off,
that negative goes away. Obviously youhave to nurture the car and keep it

(01:33:20):
and keep it well, but youdon't. So now you trade it in.
Not only now are you trading itin on a car and probably paying
a little too much on that caras well. But now you're taking the
negative from that six grand and puttingit into your new loan. So now
you're doubly in bad shape because assoon as you drive off the lot with

(01:33:42):
the next car, let's say you'reeight thousand dollars under six plus two,
and then that gets even worse.It can get up to nine or ten.
We've had this happen where kids willbe ten thousand dollars under and still
did not learn a lesson, sonow they're trading it in on another car,
and that car now puts them attwelve or fifteen. We've had people

(01:34:05):
who owe who owe nineteen twenty twentyfive, twenty six pran on old pieces
of garbage. If you get intoan accident, there's not a gap policy
in the world that is going topay for that. Why because it is

(01:34:25):
more than one hundred and twenty fivepercent of value and it doesn't ensure against
stupid purchasing. Gabe, you havea comment on gap insurance. Go ahead,
Gabe, three h three cents,Yes, call, I want to
my credit you he is, andrefinance on car. And now lady is
telling me that a gap insurance iscoming to an end. Nobody for an
honor that stuff. Well, youknow what it might be. I don't.

(01:34:48):
I've not heard that. Okay,but it might be. And again,
Gap insurance, it may not cometo an end, but it's going
to be quite limited. In fact, I'd like to get Compass on in
the next if you could, becauseI've had since I talked about this,
i had another text on it aboutGap saying that their gap didn't didn't cover

(01:35:10):
anything because the car had gone downso much in value. That's a good
one too, so Gabe, thankyou. I'm not sure about that,
but we'll ask Compass insurance group comingup if they cover or excuse me,
if they if you can still buyGap insurance. And remember GAP is only
the one that was around one hundredand twenty five percent loan to value,

(01:35:32):
so it has to be only onehundred and twenty five percent more. It's
not going to go unlimited for peoplewho got caught in the negative snowball.
Keep that in mind. Three zerothree seven one three talks seven one three
eight two five five. Frank derandthe real Estate Man dot com will get
you the price you want on buyingor selling real estate. He is a

(01:35:54):
negotiating expert he has the track recordto prove it, and in fact,
that's one of the things he does. He'll share it all with you with
your consultation, which is no obligation. He'll go over everything he sold,
how he sold it, what he'sgotten for it, the bidding wars.
He's an open book. Three ohthree nine two zero sixteen twenty two.

(01:36:20):
Go with a sure thing Denver's BestRoofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance checkup free, no
obligation. Comparison call Compass Insurance Payingtoo much your coverage at dozens of insurance
companies find out now three oh threeseven to seven to one. Help.

(01:36:41):
You'll think you're his only customer whenyou choose Frank durand the real estate Man
dot com to list your home withRemax Alliance three oh three nine two zero
sixteen twenty two. Hi, TomMartino, your troubleshooter three o three seven
one three seven three two five tofive. So you got to take off

(01:37:02):
Brendan, so we'll be saying goodbyeto you Denver Shades dot co. And
uh, what is the busy season? When it comes to window coverings.
Is it now? Is it summer? Is it year round? What is
there a busy season for window covering? I would say when we start getting
close to March and the spring,and when is the best time for sales?

(01:37:26):
Every industry has its best time forsales. What about window covers?
Uh, when kids are not inschool, like or you know when like
summertime. Yeah, exactly when thesummer comes, it's it slows down right
towards the end when kids are aboutto go back to school because parents are
getting that last vacation and so youcan get their free holiday. Is good.

(01:37:47):
Yeah, and then springtime is reallygood because that's when they do a
lot of promotions like free cordless leftand so you have promotions coming up.
Okay, Denver Shades dot Co.You can find out more Denver Shades dot
Co. All right, thank you, thank you. Three three seven one
three talk seven one three eight twofive to five. Now here's a word

(01:38:10):
on payment methods. In this email, a guy says that he went online
and paid a bill for his daughterand filled out his credit card. That
was three years ago. Now listento this. So three years ago,

(01:38:30):
he goes online and pays a billfor his daughter on one of the satellite
services, and three years later sheis seriously delinquent on I think it's direct
TV bill. They went into theaccount and since her payment method had expired,

(01:38:56):
they went to his payment method thathe had paid. It was still
on there and it wasn't the defaultpayment method, but it was never removed,
and they used his information to makeher current payment that was behind,
well not a current payment, buther payment that had lapsed. Right,
So he all of a sudden seeson his credit card there's like four hundred

(01:39:17):
and thirty bucks paid. He says, wait a minute, I paid for
her three years ago. What's this? He calls up and they say,
by the way, when you wentin there, there was a disclaimer that
says when you enter payment information,it can be used for any payment,
and it can be used for anypayment in the past or in the future,

(01:39:41):
and especially if no other payment methodis available. So when the daughter's
credit card went bad or not badbut expired, or she got a new
one or something, you know howit changes. It changes the code or
maybe the expiration date, whatever itwas, they went in and used his

(01:40:03):
payment method. So now here's whatI want to tell you this is what
we need to learn. If youare making payments online for anything and there
are multiple payment methods on there,make sure you remove the methods you do
not want used, especially if you'repaying for someone else, because if you

(01:40:25):
pay for someone else, you areopening the door to be charged in the
future, and that is a baddeal because you could end up like he
did with a bill for like fourhundred some bucks. So what he had
to do was go protest it withhis cards that I didn't authorize it,
and now it's in dispute, butkind of he did authorize it when he'd

(01:40:47):
entered it. And that's what youhave to understand. When you enter a
payment method, you're authorizing it rightthen. Sometimes even now, they don't
do this all the time, butsometimes they'll put through a small charge and
a credit to make sure it's working, or they'll authenticate the card. But
once it's authenticated and it's a paymentmethod, even if it's not the default

(01:41:11):
payment method, it could be usedagainst you in the future. Here's another
thing, and I can get alittle more into it. But to prevent
flooding, this person never dreamed thatthey would have a flood because they were
simply going to change out something wherethey needed to turn off their water.

(01:41:33):
It was a faucet. They weregoing to do it themselves, a really
easy job, and we're just goingto turn off the water. And they
didn't have a turnoff valve at thefaucet, so they're going to put one
of those in. At the sametime, when he went to turn off
his water, the valve broke becauseit was an older home and the valve

(01:41:54):
had never been exercised. Now youmight think, what the hell is he
talking about. Well, I'm goingto tell you something. This is this
is valuable information that can save youa crap load of money. If you
have valves in your home that havenot been used or as they say,
exercised in years, they could becorroded, they could be stiff, they

(01:42:17):
could be on their last leg andyou don't even know it. So do
yourself a favor and I'm going tosave a ton of people some trouble right
now. First of all, onthe main water valve, go with a
sure thing Denver's Best roofer excelroofing dotcom. You don't pay a cent until
you're content. Time for an insurancecheckup free no obligation. In comparison,

(01:42:43):
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three all three seven to sevento one help. You'll think you're his
only customer when you choose Frank durandthe real estate man dot com to list
your home with Remax Alliance three Athree nine two zero sixteen twenty two ripped

(01:43:05):
up new need advice? Who youdon't have? You come running just as
fast as you can. Shooter's gonnahelp coming. Man Dix is the Troubleshooter
Show. No Tom Martino, Hi, I'm Tom Martino. If you have

(01:43:29):
been lied to, cheated, orripped off and need some help, give
us a call at three oh threeseven one three talk three oh three seven
one three eight two five five hereto help you solve problems, to answer
questions, and to take complaints.So all you have to do is call.
And the important thing is not towait too long. And in fact,

(01:43:49):
if I had to sum up whyconsumer complaints don't get resolved, there
are some very common factors. I'mgonna quiz Mark, what do you think
the most common reason they pay moneyupfront? Man? Oh? No,
no, not the most common I'mtalking about, why do you think when
somebody complains? I'm just curious ifyou if you've cataloged it, I know

(01:44:12):
you know it. But when peoplecall us, what's what do you think
the reason is their complaints aren't heard? What do you think? I mean,
there's no right answer. What doyou think I'm not understanding the question.
Okay, people often complain to usbecause they have nowhere else to go.
They sat called everyone and I didthis, I did that, and
no one's listening. So I'm gonnatell you the number one what's that mark?

(01:44:35):
Lack of communication? Oh yeah,well, okay, that that could
be summed up that way. Andhere's the bottom line. Here's what I
have found. And this is likeyears and years, like forty five years.
Here's what's happening. People don't knowwhat their complaint is. Many times
they don't ask for a resolution,they don't even they don't capsualize it.

(01:44:59):
Now, this is really important.On the radio show, I don't care,
even though I joke about people goingon and on and on, and
people talk to me about you know, why do you interrupt? And you
know people want to tell a story, right, I don't mind that on
radio. It's entertaining. You callwith a problem, and you want to
tell me from the beginning, Well, you know what, I got an
accident, I needed a car,I did this, I did that.

(01:45:20):
Here's the thing, what a lotof people don't understand is when you call
a company, or an employee ofa company, or a spokesperson for a
company, or the attorney for acompany, when you are calling with a
complaint, they don't want to hearthe story. They don't want to hear

(01:45:41):
from the time I walked in theplace I knew there was something wrong,
they don't want to hear it.And many times people don't respond to you
because they don't know what to respondto. It's honest to God, that's
simple. So what Mark calls alack of communication is your lack of knowing

(01:46:04):
how to tell him your problem withoutall the other stuff, all the other
nonsense. There's no reason when youcomplain to give them all the background.
You go right to the problem andwhat you want to satisfy it. You
know, after several attempts to myrefrigerator, ice maker is still not making

(01:46:28):
ice properly. I truly want anew unit. I think I deserve it.
You know what that problem right thereis for some people a thirty minute
story. I had a guy getin touch with me on Instagram and say
he had a story, but hewouldn't come on the show unless I gave

(01:46:50):
him an hour, And I said, sir, I guarantee you there is
no problem in the universe that wouldtake one hour to explain. Ever,
now think about it. One hour. I mean that he meant an hour
sixty minutes of talking would never happen. So when you complain and don't put

(01:47:11):
it in a sentence, people tuneyou out. It's not that they don't
want to help you. And anotherthing, you complain about things that were
in the past that can't be remedied, and people are overwhelmed. Do I
go back and try to fix thepast? Do I try to fix the
future? Do I figure out what'swrong? Now? What do I do?
And you don't make it any easierfor them because you're not putting a

(01:47:32):
handle on it. You've got tocrystallize and summarize the problem, put a
handle on it that they can holdand do something about. It's that simple.
So when people say, well Icalled everybody, nobody knew what to
do. Another thing that when itcomes to attorneys, I can't When people
say I can't find an attorney totake the case, what's that code for?

(01:47:53):
What is that code for? Nobodygoes for I don't have a case,
because any attorney will take a goodcase. It's presented to them any
attorney. Now, if you wantan attorney on contingency, that's a different
story. They want to make surethat in their award eventually there's going to
be enough money for their share,enough money to pay for all the time

(01:48:15):
that they're putting in, the expertwitnesses and all the evidence they have to
gather. Now we are uh oh. We had a call in to Compass.
They're not there right now. Ireally wanted to talk to them about
gap insurance. Somebody said gap insuranceis going away. There's no one available,
Kelly. They said, no oneat Compass, no one. Everybody

(01:48:35):
is on a training seminar today.Oh okay, all right, then maybe
we talk about it tomorrow. Becausesomebody said gap insurance is going away.
I've never heard of that. Andby the way, if you're just tuning
in, gap insurance is something thatpays, I can definitely get them tomorrow.
They said they were available. Thenif you want me to set it

(01:48:55):
up. If you're in an accidentand there's not enough to pay off the
loan gap, insurance pays the difference, not all the time, it just
goes to a certain amount, likeone hundred and twenty five percent. So
if you have a problem with complaining, many times it's because they don't know
what to complain about. Now here'sanother thing that came up in this email.

(01:49:18):
This is a good one. Andhow many times have we heard this.
Somebody ordered something and they had acompany that was going to ship it.
So here's a quiz. You havethe company you bought it from and
the company shipping it, and thenyou don't get it or it's damaged.

(01:49:39):
The company that sold it to yousaid, it's not our problem because it's
not ours, it's yours. Youbought it the shipper. Once the shipper
took it, it belongs to you, and you say, wait a minute,
it doesn't belong to me yet.It doesn't belong to me until I

(01:50:00):
get it. So when does itbelong to you? Does it belong to
you when the shipper takes it fromthe warehouse or it takes it from the
retailer. Whoever, is it yours? Is it now your responsibility for your
insurance and you to take over ordo they not get off the hook?

(01:50:20):
Do they still own it until it'sat your door? What do you think?
Like with Amazon, it's pretty easywith Amazon, that package becomes yours
when it's delivered with other people.If you bought a car, for example,
is that car yours when a transporterpicks it up. Yeah, you

(01:50:44):
should have it insured with a carand that transporter picks it up. That
transporter is working for you. Ifthey're transporting it to you and it gets
to you and you need to signfor it there, then it doesn't belong
to you until it gets to you. It's a fine line, but you
better well know because your insurance,your shipper's insurance or whatever may not cover

(01:51:08):
you when you think you're covered.In this case, a person, I'm
trying to find the email. Aperson bought something. It was a piece
of equipment, industrial equipment, andthey were buying it from this supplier.
This supplier said, you paid forit. We sent you the paperwork,
so you have the ownership documents.The shipper came who by the way the

(01:51:31):
seller arranged for. But they claimedthe shipper is working for you, so
that is yours right there in NorthCarolina where you bought it. It doesn't
have to get to Denver to beyours. Anything that happens after it's given
to you, that is your problem. But then what if it wasn't operating

(01:51:53):
properly or there's something wrong with it. They also claim you had a right
to inspect it, but when notwhen you get it in Denver? They
claim since you owned it where theysold it and your shipper came, that
is where it should have been inspected. So make sure, man, I'm

(01:52:13):
telling you more and more people aredoing these remote buying and selling. You
better make damn well sure you knowwhen you own it. That's critical when
you own it, because you needto inspect it before you own it,
and if anything happens before you ownit, it's their responsibility. Now,
there are times you own it here, there are times you own it there.

(01:52:39):
I'm Tom Martinez three oh three sevento one three talks seven one three
eight two five five Go with asure thing Denver's Best Roofer Excel roofing dot
com. You don't pay a centuntil you're content. Time for an insurance
check up free no obligate comparison callCompass Insurance paying too much your coverage at

(01:53:03):
dozens of insurance companies find out nowthree all three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two. I'm TomMartino here three oh three seven one three

(01:53:23):
talk three oh three seven one threeeight two five five. I want to
talk to Jarison Art right now.Hanson at Jaris Are you there, sir?
I am Tom. Let's talk.I'm doing good. I want to
talk about the retirement summit, specificallybecause I did it. I did have
some questions and people always do nowwhen we talk about creating uh income,

(01:53:49):
When we talk about creating income,so many people are talking about creating income,
and I just want to I wantto straight out ask our annuities.
When is that code where for annuities? Whenever people, and I don't mean
just you guys, but everyone inthe industry, when you talk about creating
income and retirement, is that acode word for annuities a lot of time.

(01:54:12):
It will it is Tom. I'mnot saying that's the only answer for
people to generate income, but it'spretty popular one. And I'll tell you
this, I don't know how manyof your listeners have dent to retirement planning
or annuity seminars in the past,but most of those seminars that people go
to, that's the only thing they'regonna hear. They're gonna hear their sales
pitch for annuities and that the annuityis a tool, but it's got to

(01:54:35):
be considered in context of an entireretirement plan. And if you can do
it that way, then you canuse it properly if it's appropriate, and
if it's not, then there mightbe some other tools that we would use
instead. And so that's what thesummit's going to be about, is is
helping people understand beyond just the productsthat might be available, how do you
integrate it into an overall plan that'sreally going to make a difference for somebody

(01:54:58):
long term. A big time topicthat a lot of people are discussing nowadays
is converting money that's already qualified.And this is what I don't understand is
taking money that's qualified and turning itto a a wroth, so you actually
pay tax on it and then putit into a wroth. How does that
work? Yeah, in order todo a roth conversion, you pay tax

(01:55:21):
as it comes out of the qualifiedplan. So and yeah, then it
becomes tax free growth or tax free. And if you want to convert it
to some cause, is that becausepeople are anticipating they don't want to pay
taxes in the future. Is thatwhat they're trying to do precisely? Yep.

(01:55:41):
If I, if I, ifI've got a big retirement account balance,
and I know that at age seventythree or seventy five, depending on
when I'm born, I'm going tohave to start making withdraws from that scene
by force because the IRS has requirementumdistribution rules. I might want to go
get some money out of that accountnow to forestall the giant TAXI I'm going
to have later on. If I'vegot some time, I can go move
it out, put into a rothor something else. When you take required

(01:56:06):
minimum distributions, And for those listening, that's a really important thing eventually,
even if you don't want to useit, even if you have social security
and you want to save that ifyou have a certain amount of money,
not a certain if you have moneyin retirement at all, at seventy two

(01:56:26):
or seventy three, you're going tohave to start taking some out. And
then when you take it out,you're going to pay taxes, not penalties,
but taxes. Now, if youhave a WROTH, is that included
in the minimum distribution? Nope?Nope. Roth is exempt from the minimum
distribution requirement. So you can justlet that thing sit and grow and withdraw
we need to. So if youwant to bite the bullet on a certain

(01:56:49):
amount of money now and gradually eachyear convert it, could you end up
with very little to worry about inthe future. I mean, if you're
anticipating and like everyone does, taxrates, you're just going to keep going
up and up and up. Isthat why people are doing the conversions now?

(01:57:09):
Yes? Absolutely, If if ifyou think that you're going to have
a tax issue later on, particularlyin regards to the like the the federal
deficit and death that's going on rightnow, Like Congress can't keep the way
that things are going on like thisforever, and it's inevitable that somehow they're
going to figure out a way thatthey're going to have to raise revenue for

(01:57:30):
the government, which means taxes.So if you think the taxes are going
to go up or even stay thesame, it may make sense to go
get some of that out of theout of the IRA or out of the
four O one K ahead of timeso we can have a lower tax bill
later on. And that's one ofthe things that we can help folks do.
We'll talk about this a little bitat our at our Retirement Freedom Summit
on Thursday, but we can talkabout how to plan those so that you

(01:57:54):
don't cost too much tax. Now, let's get you, you know,
some of that income out and spreadit out over time so you got your
pain a little bit each year ratherthan a huge, big chunk all at
once, or a big tax billlater on if you just ignore it.
But isn't always the assumption in thein the old days, the assumption was
always that as you get older,you're being making less, so that's why

(01:58:15):
you don't mind paying tax. Thentheoretically, yeah, that is the assumption.
Here's the problem, though, ifyou've been a relatively successful individual and
you've got a you know, I'veran into lots and lots of clients of
ours. You have a million,two million dollars in an ir or of
four lan K account that's going togenerate thirty forty fifty sixty thousand dollars of
income per year that's taxable when you'reretired. And you take that and add

(01:58:40):
it on top of other forms ofincome, you have, all of a
sudden you're in a really high taxbracket, even though you don't need that
much to live on. So it'sthe income streams that determine your tax brack
and not what your living expenses are, which might be lower. The chances
are if you've been a successful person, you're in a pretty high income high
tax. Another thing I think peopledon't understand, and I want to get
this clear survivor benefits. A husbandthinks, well, my wife will gets

(01:59:03):
survivor benefits or the husband things they'llget survivor Can you, and I know
you're going to go over this extensively, but can you explain in a nutshell
survivor benefits and how to use them? Yeah? Tom, are you talking
about survivor benefits with Social Security?Yes? Thank yeah? Yeah? So
yeah, so with social Security,the way the survivor benefits. Work is,

(01:59:24):
if you've got a husband and awife who are both collecting Social Security,
chances are one of those is goingto be higher than the other.
And I don't know which one itis. Let's just say it's the wife
that's higher than the husbands. Howabout that, right? Right? Whatever,
as soon as either one of thespouses passes away, the lower of
the two benefits goes away, andthe higher benefits stays with the surviving spouse.
So regardless of who's is, who'sthe bigger benefit stays, the lower

(01:59:47):
ones wiped out. Surviving spouse hasone social Security benefit coming in whichever's higher.
The other one doesn't exist anymore.Okay, so that's the way it's
And also again social Security goes toyour highest earning years or your most recent
People are confused about that. Yep, it goes to your highest earning years.

(02:00:10):
And what social Security does is theytake they take your entire earnings history
ever since you started working, andthey index it all according to inflation,
so it's equal on equal footing accordingto today's dollars. And then they'll take
thirty five highest from that list.So you know, maybe you only made
twenty thousand dollars in nineteen seventy,but that could be the equivalent of it
not making this up, but itequivalent of a sixty thousand a day.

(02:00:33):
So if that's one of your thirtyfive highest years, they're going to use
that year. It doesn't have tobe sequential. And if you've only worked
let's say twenty five years, notthirty five years, then there's going to
be twenty five years worth of earningsplus ten zeros that go into that calculator.
Oh so that's why people get dingeda lot when they retired early.
Yep, sometimes it is if theydon't have enough, you know, years

(02:00:57):
of earnings. It takes thirty fiveand once you get once you it's thirty
five. The only way you canincrease is if you have a year where
you earn more than your lowest ofthe thirty five. Yeah. I mean,
if you made a boatload of moneyand then took some years off,
that's different. But if you averageout normal salary and you didn't work a
lot, you have a big problem. And I mean that's just the way

(02:01:17):
it is. There is no suchthing as income for people that didn't work.
I mean, what happens to peoplethat didn't work enough for social security?
Do they just have to suffer throughit? Yeah? Yep, Okay,
we try and see if there's otherthings we can do to help them
out, but usually it's just amatter of going and finding a job,
getting some more socicurity built up.One other thing I've always talked about,

(02:01:41):
and this is important for retirement,because there's no magic in retirement. Okay,
if you have a high burn rate, so to speak, you may
have to cut back on spending.I mean, people want to know I
can't make the same amount of money, so what can I look forward to?
I mean, what do people usuallydo in retirement? Fifty percent of
their income? Percent of their income? What do they normally do? I

(02:02:02):
mean, if you look at theaverage person, an average person, I'll
tell you this, an average personthat we meet with. Give me do
it right? Yeah? If youdo it right? Yeah, we're talking
people that have that have spent youknow, a lot of years working,
have earned reasonably good salaries, andmaybe have half a million to two or
three or more million dollars saved up. The average person in that range usually

(02:02:26):
spends somewhere in the This is goingto be a wide range, Tom,
but somewhere between six and twelve thousanddollars a month, okay, right,
depending on depending on standard of living, what kind of place they live,
if they still have a mortgage whenthey retire, which some do, so
you know, that's that's pretty average, and if someone's had an income stream
to produce that kind of assets,and more often than not, social Security

(02:02:48):
will make up a lot of that. What our job then is going to
be is to say, okay,mister and missus Smith, we can cover
your your income. Let's say youwant eight thousand a month, and we
can get you five thousand out socialSecurity. Where are we going to go
get the other three? Doesn't annuitymake sense in that situation? Or not?
Should we go find some market basedaccounts that can throw off in come

(02:03:09):
to fill that gap? And that'swhere we come in, and we help
consult with folks to figure out whetherthey want any of that three thousand guaranteed
or if they're okay with some marketrisk, and depending on the answers to
a series of questions and conversations thatwe'll have, will help them figure out
how to fill the gap, howto preserve as much as they can for
the future and just do it ina tax efficient way where they can be

(02:03:30):
comfortable during retirement without having to worryabout where the money is going to come
from. All right, I appreciateit. Jaris. I have to let
you go, and I just wantto put a shout out here so you
still have the invitation up at rpcenterdot com for people to get details,
and it's in thwort in this Thursday. It really is. I said this
before. This is not a salesjob and you're not going to be preached
to. There's not a lot oflong lectures. We will go through the

(02:03:54):
basics and ask for questions. Ythank you Tom. All right, so
that's hard to rpcenter dot com.This Thursday at six o'clock we got more
coming up. Go with a surething Denver's best roofer Excel roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance check

(02:04:18):
up free no obligation comparison call Compassinsurance paying too much your coverage at dozens
of insurance companies find out now threeall three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate man
dot com to list your home withRemax Alliance three oh three nine two zero
sixteen twenty two. I'm Tom Martinothree oh three seven one three talk hey

(02:04:47):
seven one three eight two five fivelisten. YELP is finally doing something I
think is a great idea. Sothey're analyzing their reviews right now. Did
you hear about this? They're analyzingand if there are positive reviews more than
a certain number, they have analgorithm. Everyone has an algorithm, right

(02:05:08):
But they're using AI to do this. If they see positive reviews coming from
similar ips, they are flagging itand making a warning to people about fake
reviews. I think that's great.There are so many problems with fake reviews

(02:05:29):
right now. So they are doingthis, and then they're going to have
a special website listing companies that arecaught making fake reviews. Now, wouldn't
you think Mark? As far asthe IP technology, wouldn't you think it
would be easy to rotate ips eachtime you write one. I mean,

(02:05:54):
can't you do that even from asingle computer in a house somewhere if you
connected, if you connect to aVPN every time to a different IP,
sure, but you'd have to Literally, you couldn't program a computer if I
couldn't, but I'm sure someone couldwith no problem at all. But imagine
that if you could program it,so every time you know, hit a

(02:06:15):
new review, it changes the vpnIP. That would be That would be
good anyway. Colorado is taking thefirst significant step on the Consumer Protection Act,
and it's the Consumer Protection Act basicallygoverns any kind of deception or fraud

(02:06:36):
or something in general terms. Andby the way, what they're trying to
do, they say, is makeit stronger. Representative Mike Wiseman from Aurora
says he's trying to fix it becausethe law says that you have to in

(02:06:59):
order to prevail in court, youhave to show significant public harm or public
impact or you can't even get tocourt. And he says that means that
a lot of businesses get to rippeople off but don't rise to the level

(02:07:20):
of significant public harm or public impact, then therefore get away with it under
the Consumer Protection Act. So thenew Consumer Protection Act he's proposing, or
the Amendment to the Consumer Protection Act, says it says the elimination of a
judicially created requirement that a significant numberof consumers be harmed before remedies are available.

(02:07:47):
So they're what they're trying. AndI think this is a great idea.
And this is from a Democrat,Mike Wiseman. What he's saying is
the number of people is not thatimportant, and the public impact, if
you can show that it's deceptive anyway, what difference does it make how many
people it rips off if it's deceptive, if you can get rid of it,
if you can sue under the underthe Deceptive Trade Practice Act, then

(02:08:13):
you avoid people from getting hurt.You know, in other words, it's
going to be bad whether it hurtsa lot of people or not, in
hopes that you prevent it from hurtinga lot of people. I think that's
a great idea, by the way, So the bottom line is that is

(02:08:33):
going that. By the way,that bill, if you're interested in it,
I think it's HB twenty four tenfourteen, and I think it's a
great idea. Finally, are Imean, I can't stand some of the
laws we're coming up with, butthis one for consumer protection is good.
It's taking away that that public impactrequirement, which is usually interpreted as a

(02:08:56):
large number of consumers or you know, so that's good, and so they're
trying to do away with that threeoh three seven to one three talks seven
one three, eight two five five. By the way, have you heard
of the new diets that are sweepingthe country. Do you know that there
is, honest to god, ababy food diet right now where adults are

(02:09:18):
eating baby food and in hopes oflosing weight, they're becoming malnourished. But
this is the latest thing on TikTokbaby food diet. Obviously, no need
to do it, it's stupid.You know, a simple a simple low
carb diet, reduced calorie diet cando it. Or of course you can

(02:09:39):
do the new you know. Theproblem with the weight loss hormones that they're
using right now, like semaglue,tide. It works. The problem with
those is a lot of people aren'tlearning their new diet habits, so they
go back to gain. They goback to gaining the weight when they stop.
Marlene was from last Tuesday, andoh I remember this. This was

(02:10:01):
a pain in the butt man,this problem. And you know what,
Marlene, hold on, let metake this quick break. I'll come right
back to you. It's about yourtwenty thirteen Chevy Malibu, and it was
with big O' tires, and thenDavidson Automotive. Well's come right back to
it. I'm Tom Martino. Gowith a sure thing Denver's Best roofer Excel
Roofing dot com. You don't paya cent until you're content. Time for

(02:10:26):
an insurance checkup free, no obligation. In comparison, call Compass Insurance.
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with Remax Alliance three oh three ninetwo zero sixteen twenty two. Hi Tom

(02:10:50):
Martino here three three seven to oneto three talk Marlene. So, Marlene,
I looked at your call. Igot it here and base. I
want to summarize it for people listening. You said, Davidson Motors basically messed
up your car. They did workon a chiming chain, and then you
say, then you say afterwards thecar had problems with the engine, and

(02:11:16):
you believe broken screws came off duringthe timing chain replacement and fell into the
engine. Kevin Calkins said, hedoesn't know how. I told you to
take it over to him for asecond opinion, and how I don't know
how you would show anything that felloff and it was inside the engine,
but that's how we left it that. We're not sure how they messed it

(02:11:39):
up. Kevin said, if astud was broken off on the generator or
alternator, it would not have fallenin to that area. So what happened
since then? Marlene? I havesent you a picture describing I don't know
if you got it. I hademailed Kelly. Did you Did you send

(02:12:01):
me her additional information? I don'tsee the picture now? What did you
send us, Marlene? It wasa picture of where Big O'd was,
describing the engine and what they've seenand what they found. The thing is,

(02:12:22):
I took it back to Davidson's becausethey said that they would look at
it, and I was just assumingthat maybe you know, they're gonna do
right. So what did they saywhen they looked at it. They told
me that it had nothing to dowith it that screwed popped up and it

(02:12:43):
didn't have anything to do with thework that they did. But I don't
even know how to get around this. These people from me standing up there
yesterday. For the couple of hoursthat I was up there, there were
so many people pulling up complaining Ithese people need to be shut down.

(02:13:07):
They want me to pay eight hundreddollars. I went threw PaperWorks, Marlene.
Marlene, I just need to askyou something. Is it possible that
they did not break off screws intoyour engine? Still we have the Here's
what I need to know. Whydoes Big O assume there are screws inside

(02:13:31):
or studs inside your engine because theywere able to look at it they went
in because I went their initial O. How did they did they actually see
the studs inside your engine? They'veseen the broke one where it was okay,

(02:13:52):
see this is okay, Marlene.We tried calling Big OH to get
them on the phone, and wasn'tit true they wouldn't come Come on?
Right? Is that right, Kelly? They didn't they hang up on us.
No, it wasn't that the personnot she was working with was no
longer available? Well could we?Okay? So so Marlene, we have

(02:14:13):
nothing to go on at all.You're telling us and and and Kevin Caulkin,
who listened to your story, saidit's virtually impossible to show that screws
went inside your engine, and soso we we don't know what you're talking
about. We need to talk tosomeone at Big OH. If we can't

(02:14:35):
talk to someone at Big OH,you need to take it to another expert
that will talk to us. I'msorry, that's the only thing we can
do. Three oh three Martino threeoh three six two seven eight four six six