The Troubleshooter 3-12-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped off. You don't need advice. Who you don't
have to.

Speaker 2 (00:12):
Come running just as fast as we can. Shooter's gonna help.

Speaker 3 (00:17):
Me, come man Dix. He is the Troubleshooter Show. No
tell Martino.

Speaker 4 (00:25):
Hey, lo, I'm Martino here, welcome to the show. We
are here, of course, to solve your problems, answer your questions,
take your complaints, make your life a little easier.

Speaker 1 (00:33):
Hey, do you know what this is? Of course you do,
all right? You just get pulled over, sir, License and registration? Please?
Do you know why I pulled you over?

Speaker 5 (00:52):
Now?

Speaker 4 (00:53):
Does that sound like a good question? Because Colorado's looking
to outlaw it.

Speaker 1 (00:58):
Did you know that?

Speaker 4 (01:00):
So there's a bill being proposed that would prevent officers
from even asking why.

Speaker 1 (01:08):
Did we pull you over? Do you know why I'm
pulling you over?

Speaker 4 (01:12):
The bill introduced by the Colorado legislator says, no, we
don't want officers to ask that.

Speaker 1 (01:17):
Do you know why? Because it incriminates people and let's
use the other word, it's racist. I have no idea why.

Speaker 4 (01:25):
But look, I have learned one thing, no, two things.
Everything in the world can be blamed on one racism,
two climate change. Oh, let's add a third Trump, Mark,
Do you think that covers all of them?

Speaker 1 (01:42):
Not anymore? But I agree with you. Yes, Okay, Now
I got some texts.

Speaker 4 (01:48):
I always get mean text about Mark, and so I
like reading them. And it's always and it is to market.
They don't say Tom, they don't say lovely Tom.

Speaker 1 (01:58):
They say and one guy call you Mark Minor. Yeah.

Speaker 4 (02:05):
So it says Trump took off as a four percent
unemployment rate, historically low and the strongest economy in the
world's strongest stock market.

Speaker 1 (02:12):
Within two months, he's destroyed it. What say you, Mark?
What say me?

Speaker 6 (02:17):
Is the economy is looking super spectacular, magnificent, the best
economy ever. In fact, in fact, we just had a
number come out today. Do you know what that was?
Inflation came in lower than expected.

Speaker 4 (02:32):
Thank you, Oh you're right, No, you're right, actually, yeah, right.
I want to talk to Pat Jolliffe, my partner over
at Wave eight Wealth Management, for just a quick comment
on the stock market economy. We sent out a letter
to our investors and we wanted to let them know
we have our pulse on it because really, with volatility,
sometimes there's nothing you can do.

Speaker 3 (02:49):
Now.

Speaker 4 (02:50):
One thing you should never do, ever, ever, ever is
run for cover. Well, no, excuse me, it's all right
to run for cover. You should never exit and sell
with losses. I mean people that panic like that. In fact,
what was it that Warren Buffett famously said, do you
remember the quote?

Speaker 1 (03:03):
Pat said, when others are carrying your fear? I don't know,
old or something, be cautious. Can we hear Pat? I
don't hear him. Can you bring him up?

Speaker 4 (03:17):
I can't hear him. Fine, okay, Oh well I don't know.
Oh okay, my earpiece came out. Sorry, I got to
fix my ear.

Speaker 1 (03:26):
What I like you to comment on.

Speaker 4 (03:27):
I know that a lot of people have a tendency
to exit. I'm sorry, there we go a lot of
people have a tendency to exit.

Speaker 1 (03:32):
When things are looking bad. What does that do, Pat?

Speaker 4 (03:36):
That cements your losses, doesn't it?

Speaker 7 (03:39):
It does?

Speaker 4 (03:41):
I mean, ye, there's there's absolutely nothing to secure your
loss better than just selling out a loss.

Speaker 1 (03:49):
Now, well, go ahead of Mark.

Speaker 4 (03:53):
Me.

Speaker 1 (03:54):
Mark. Oh, I thought you were saying something. Mark. I'm sorry,
I know you're saying so.

Speaker 6 (03:59):
I do want to throw something in real quick and
then let's let Pat talk. But you know, people I
think tend to forget with the tariff talk and the
tariff's going in place. We're the largest marketplace in the world.
We're basically the most successful, richest marketplace in the world.
So to think that other companies aren't going to play
ball and make things fair when we sell into other

(04:21):
markets and they still want to sell into.

Speaker 1 (04:23):
Theirs is ridiculous.

Speaker 6 (04:24):
We're going to go through some bumpy times, but to
think someone's not going to sell in to the largest
flea market in the world, you're just insane.

Speaker 1 (04:34):
And I agree with that market war.

Speaker 8 (04:36):
You know, it's essential that the US is growing and
operating and existing. I mean, the others cannot exist without
the United States of America. And so to your point exactly,
people will rally. This is a negotiating tool, right that
tribes are excuse me, that Trump's playing and it has
a lot to do with non economic issues and drum trafficking,

(04:58):
those kinds of things. So going to come around and plane,
I think we'll start to see that be reflected in
the market as well.

Speaker 4 (05:04):
Okay, so pat people do a number of things. Either
they sell off, take losses, and I don't know what
happens to those people they sell off and take losses.

Speaker 1 (05:13):
Then you have other.

Speaker 4 (05:14):
People that go to cash and just wait, and then
you have other people who sit and just actually some
seize opportunities.

Speaker 1 (05:23):
What camp are you in, Well.

Speaker 8 (05:27):
I think it makes sense to adjust the portfolio when
you've got molatility, if you're not already positioned well for
molatility when it's going on. One thing that people don't
realize I think is that a lot of the institutional funds,
and particularly the pension funds, will will park the cash
or go to conservative investments for a period of time.
But these are like large defined benefit pension plans right

(05:50):
that the government has and many municipalities and different states
and things like that, and they know what those future
liabilities are and they have to be able to.

Speaker 5 (05:58):
Pay for them.

Speaker 8 (05:58):
As a matter of fact, they continue to pay for
them and their dollar cost averaging and reverse if they're
making pension payments out when the market's going down. So
they might go to reserve cash for a while, but
in order to maintain those future liabilities, they have to
put the money back in the market. It's the only
asset class marketplace that is going to allow them to
keep pace with the future liabilities that are known quantities.

(06:19):
And so you definitely like to vote.

Speaker 1 (06:21):
Every every major fund in the world.

Speaker 4 (06:25):
Every major fund in the world is in the stock market,
like it or not, every major fund in the entire world.
That includes retirement funds, pension funds, everything. Okay, Now that
doesn't mean to say there's not other investments. But right now,
ninety nine percent of all money is held in the
stock market when it comes to investing, not in annuities,

(06:45):
and not in offshore things, and not in real estate.
And I'm not saying those are bad investments. There's a
time and a place for every investment. I've said it before.
So when there's a big influx to cash, meaning a
sell off, and they go into cash, they're they're sitting
there in cash. They haven't pulled the money out of
schwab or out of a trading house. They's sitting in cash.

(07:08):
What does that mean when they say sitting in cash
as a defensive move, what does that actually mean?

Speaker 1 (07:12):
I love doing finance for dummies. What does that mean?

Speaker 8 (07:16):
Well, it can mean that they're just putting it in
the bank where the yields are exactly exactly at okay,
or they might put it in a money market accountant,
you know, or something that a short term bank notes
under think of that nature which we've used, or the
yields are definitely better. And we've been in an environment
historically where yields have been good on cash obviously in
fixed income instruments. Now you know to see those come

(07:39):
down with the quantic data using and so on. So
that's that's also going to be a fact.

Speaker 1 (07:43):
Okay.

Speaker 4 (07:43):
Now when people go to cash, they come back out
of cash. That flow has to take place or the
country doesn't exist. So it goes out of cash to
cash out cash to cash out cash too cash. Okay,
So what happens now when they come back into cash,
you have opportunity before that, not after that. That's what
people People are always running after the big money.

Speaker 1 (08:05):
And that is like, isn't it truly? Isn't that what
Buffett preaches against?

Speaker 8 (08:10):
Absolutely, the market's having a sale. And I have these
conversations with four to one cap that has spends a lot,
who for some odd reason want to run the cash
from the volatility spikes and the market's having a sale.
And what I say is think of the four to
one k as a buying machine, not a balance machine.
My goodness, if things are cheaper in the market, and
you're buying at a consistent level dollar cost averaging into

(08:32):
the market every paycheck. Keep doing that or double down
on it, because you're buying shares at a discount. When
the water comes back in, you're going to reap.

Speaker 5 (08:39):
The benefit that much more. So. It's you know, I
don't know why, but.

Speaker 8 (08:44):
Everybody seems to get that premise when you're out buying
clothes or food or anything else. But you flip it
into the market and suddenly it just doesn't seem to
make sense anymore.

Speaker 4 (08:54):
Well, it's just with HVAC. They do it pat two.
When it's extra hot, they'll buy the brand new conditioner.
That's when they think about it. They could buy one
right now for a song, but instead they'll pay a third,
well not necessarily a third, but twenty percent higher, twenty
five percent higher, waiting until it's really, really, really hot.

Speaker 1 (09:11):
Same with furnaces, same with anything. Now.

Speaker 4 (09:14):
I don't know about cars and the best time mark.
What have you found the best time to buy cars?
You do a lot more car buyer than I did.

Speaker 1 (09:20):
It's what are you possible to me?

Speaker 6 (09:22):
It's impossible to say now, But I wanted to say
two things. One my idea of cash would always be
at least like a Schwab value advantage fund, something that's
pulling at least five percent a year. And you know,
to me, that's about as close to cash as you
can get. It takes twenty four hours to liquidate. But
I'm in I'm in the school of your camp number three,

(09:45):
meaning I see a buying opportunity. I basically I sold
a bunch of that Schwab value advantage two days ago
and went to a literal cash position to where I'm
gonna buy it of something I don't know what yet.
I feel like I'm in the mall on Black Friday.
I just don't know what it is yet, but I'm

(10:07):
gonna get really deep into something quick.

Speaker 1 (10:12):
So I think I think I'm ringing.

Speaker 4 (10:14):
I gotta I don't know our race a starry guys,
I know anyway, So let me put it this way, then, Mark,
do you need help with the financial advisement?

Speaker 1 (10:22):
No, he doesn't.

Speaker 4 (10:23):
Mark is one of those streaks of nature you don't
want to mess with, you know, Pat, We don't even
mess with people like him because you know what, they
got it down.

Speaker 1 (10:31):
They say I'd like it, I'd like.

Speaker 6 (10:33):
Pats I'd like both of yours general information on something.
Walmart's down almost thirteen percent.

Speaker 1 (10:40):
You know they got it.

Speaker 6 (10:41):
They pay a little bit of money to hold onto
their stock. But honestly, if things do get higher and
tariffs really do affect bottom line goods, the discounter, the
largest in the world, always seems to be the only
stock that trades against everything else, Target, Kroger, when they're
all down, Walmart's up.

Speaker 1 (11:00):
I see it. It's a no brainer right now. I
just don't know where the bottom is. You're right, but you.

Speaker 4 (11:07):
Don't have to search the bottom, just like you don't
have to search the top. Good dollar cost averaging a work.
But the thing about Walmart mark that I've noticed and
why there's such a good investment. Walmart is one of
the few corporations willing, literally willing to cut into profits
and sacrifice for their customers. And that's not BS by

(11:27):
the way, it's amazing they are willing to do that.
Very few companies are willing to do that.

Speaker 1 (11:35):
Now. I will say Amazon eats a little of extra
cost too. Amazon's pretty good. Apple will never do it.

Speaker 4 (11:42):
I mean, if they're if they breathe and use too
much toilet paper, it's going back on the iPhone. I mean,
it's like there are some companies though that that sacrifice
there's not a better word for it, or they bear
and grunt or whatever, but Walmart is one of those.
By the way, I want to tell hell everyone, we're
doing a regular consumer show, but the economy is utmost important,

(12:03):
and I want to know what you guys are thinking.
And these tariffs are gonna Look, we're going to go
through a little pain until the world knows we're not
going to be taken advantage of anymore.

Speaker 1 (12:12):
And that's what's really going to count. Three oh three
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fairest thing out there. You want to charge us.

Speaker 6 (12:20):
To sell our uh, you know, sell our vehicles in
Germany or Europe or China or South Korea, and you
want to charge us twenty five fifty percent, same goes
for you.

Speaker 1 (12:32):
Now here's the other thing.

Speaker 4 (12:34):
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just something you want to get off your chest, or
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(13:31):
Tom Artino here three O three seven one three talk
seven one three eight two five five. Let's go back
to the phones and hey, listen, you know a lot
of people have a lot to say about the pullover bill.
When I mentioned it, I kind of now after reading
just the show, I have an open mind, nothing like Mark.
I have a wide open mind, and uh I will

(13:55):
take other people's opinions here. So the bill that would
prevent police from asking do you know why I pulled
you over? Is actually a good idea. Here's why when
they say do you know why? I pulled you over.
They haven't given you Miranda rights or anything. They just
asked you a question that could incriminate you.

Speaker 1 (14:12):
You could say, well, I.

Speaker 4 (14:13):
Know I was going a few miles over the limit,
or I only had three drinks tonight, I'm not sure,
or you know, I'm just kidding. But there could be
something that incriminates you. Yet you haven't been Mian mirandaized.
And that's where they say you write comic sil and
blah blah blah. So actually that's not a bad idea.
I joke sometimes on some of these bills and laws

(14:33):
in Colorado, but I think that's a good one. I
really do, because police can be tricky, and I don't
mind it. But here's the other thing, the only thing
I hate. Why do they have to why why why
why why? Why why why why why why why do
they always have to bring up race?

Speaker 1 (14:54):
Why? Why is everything because of racism? I can't even.

Speaker 4 (15:00):
Believe when they decriminalize car theft and you had to
you had I don't know if they reverse that again
or not, but you had to steal so many cars
before it became a felony, and they said that was
because it was racist or or you name something else.
And what they're really said, this is what they're really
saying with some of these bills, they're saying, blacks do
some blacks commit crimes way more than white people, so

(15:21):
we have to protect them.

Speaker 1 (15:22):
I mean, honest to God, that's how they put it.

Speaker 4 (15:25):
When it comes to something that they want to get
through that's easier on people who get arrested or commit crimes,
they say it's because it's racist. So what they're saying is, hello,
black people, we know you com crime and you're you know,
you do more naughty things, so we're gonna protect you.
We're gonna raise the bar a bit, the level, the threshold,

(15:47):
so you're not picked and nicked for everything you do.
Isn't that what people are saying I mean, or they
say math is racist Math okay, why they're saying, well,
blactually can't keep up with us, so we're going to
lower it a little and we're going to make math.

Speaker 1 (16:04):
So it's not racist. If I was a black person,
honest to God, I would be so pissed, so pissed
at this society. I wouldn't feel protected. I wouldn't feel
protected anyway.

Speaker 4 (16:18):
Getting back to the economy, which is a really important topic.
T bills are at about four and a quarter percent.
But what Mark talked about was the Schwab account where
they pay. They really do pay well and Pat during
this time of tumultuous let's say, or I don't know
if it's tumultuous times.

Speaker 1 (16:37):
Or volatility is a good word. People don't know what
that means.

Speaker 4 (16:41):
Volatility really means up and down, up and down sometimes
though it's just down down recession.

Speaker 1 (16:47):
Have any fears of that, Pat.

Speaker 8 (16:50):
I don't think so, Tom. I mean, the broaday indicators
are so strong that I think it's more headline risks
that we're enduring right now with all of the tariffs
stuff that's going on. Fundamentals are just just too strong
to really point towards the research at this point.

Speaker 4 (17:08):
And these indicators that we have, that the concurrent indicators
what's called policy or government or things like that. What
that means is it's a knee your quick reaction. It's
not long term, especially if the fundamentals are there. Because
if people are fearing losing and they don't lose, or

(17:30):
they fear price increase and they don't get what they fear,
you know, all of a sudden, those fears are quelled again.
Though perceptionomics, something I coined years ago, does have a
play in the market. If enough people think things are
going to hell and they react that way, well, it
can cause a bit of a panic. Again, what we
say is steady the course. Don't panic, buy, don't panic

(17:54):
sell now, look for deals and look for opportunities when
starts flowing back in. That's what we do. We try
to forecast that. For you, Pat, I know you have
to run, go, go ahead, Pat, you.

Speaker 8 (18:09):
Have to believe in the process. I think too, Tom Right.
So it's all about building a quality portfolio, having quality.

Speaker 5 (18:13):
Companies in there.

Speaker 8 (18:14):
He talked to more than about what he'll tell you.

Speaker 5 (18:16):
He buys the.

Speaker 8 (18:17):
Stock in the company and turns the market shuts down
for five more years. It's not a slot machine for
short term games, you know. It's it's you're investing in
people and companies that are balance sheets of income statements,
that produced data, and it can be a value.

Speaker 1 (18:29):
No, that's right.

Speaker 4 (18:30):
He doesn't believe in day trading or knee jerking at
all at all. He buys value and fundamental skill.

Speaker 8 (18:36):
Absolutely. Yeah.

Speaker 4 (18:39):
And there's a little unfairness with Warren Buffett, a little
because let's face it, when Berkshire Hathaway invest a lot
in a sector, all of a sudden that sector becomes desirable,
he raises he can actually raise the price by being
in it.

Speaker 8 (18:54):
Oh, absolutely, so he'll market move all day long. Yeah,
but he got so.

Speaker 4 (18:59):
Advice right now is advice right now? Truly, don't cement
losses in panic. Don't do buying unless you know why
you're buying. Although there are deals to be made, there
were truly deals to be made.

Speaker 1 (19:14):
And if you're not someone like Mark who.

Speaker 4 (19:16):
Watches like a hawk all the time quickly when you
need help, you can call us.

Speaker 6 (19:20):
Well, why does Berkshire Hathaway why do they? Why do
they sell shares like a stock compared to running just
like a general fund like we're used to. Why is
it different than most?

Speaker 1 (19:34):
Oh?

Speaker 6 (19:34):
I was just a big time ructured Why is it
structured the way it is?

Speaker 1 (19:39):
Or must be a reason behind it?

Speaker 6 (19:41):
And then the follow up is why don't other people
structure like that?

Speaker 4 (19:47):
Okay, here's what Berkshire Hathway does. They buy and sell
and they make profit and they have some losses.

Speaker 1 (19:54):
If they ran it like a.

Speaker 4 (19:56):
Fund, they would be regulated out of existence because they'd
have to answer to every time Dick and Harry in
the government. And even if they did a reg D fund,
which is really an exempted fund meeting, there aren't the
same reporting requirements. But you limit your investment base because
if you do a reg dfund, a private hedge fund
like we have, you have to have a certain net

(20:16):
worth and a certain credit. It's called a qualified investor
to even be part of it, and you're not allowed
to advertise. So that's why they're not. So then he said, oh,
I'll tell you what I'll do. I'll simply form a company,
an investment company, and I'm not selling them securities. I'm
not I'm selling them a share of ownership in my company.

(20:36):
It's the most brilliant thing in the world.

Speaker 6 (20:39):
Then, and every hedge fund and every fund out there
do it the same way.

Speaker 4 (20:45):
Well, because most hedge funds don't operate like Warren Buffett does.
They don't have they don't buy for long term quality,
they don't buy for fundamentals. They don't buy to try
to turn a company around, and they don't buy to
sell a company. They're not a capital fund and they're
not just an investment firm. What hedge funds do is

(21:07):
try to take advantage of volatility, and they buy and
sell quickly. Mark, in our hedge fund, our average whole
time is what is it.

Speaker 1 (21:16):
Pat two to five days.

Speaker 4 (21:18):
That's correct, and we're in and out our hedge fund.
We measure monthly. If we make a one to two
or three percent a month, that means we're on track
to do thirty six percent.

Speaker 1 (21:30):
So you're saying, but it can't go in and out
of something in two to five days, Well he can
as a company.

Speaker 6 (21:37):
And why wouldn't we the way he does if there's
less regularly, Well, because we don't have the horse.

Speaker 4 (21:44):
Here's why, Mark, listen, because when you buy Birks your Hathaway,
you're not buying a stock in anything but Birks your Hathaway.
So what you're saying is we love the way you
do business.

Speaker 1 (21:55):
We want to hitch our train car to your engine.

Speaker 4 (21:58):
That's what they're saying. But if we tried to do that, Mark,
we don't. We don't have the power to sell shares
in my company and then go out and make giant
stock trades and profits.

Speaker 6 (22:10):
They just use that as example, like like Bridgewater and
Associates there they're one hundred and fifty billion. How come
they don't structure that way? How come they're a hedge.

Speaker 4 (22:20):
Because because, okay, because they don't want to be they
want they don't. They're not looking for owners. They're looking
for people who say, here's my money.

Speaker 1 (22:32):
In essence, do anything you want with it, and then
get me in and out.

Speaker 4 (22:37):
And they're just they're looking for a more qualified investor.
That Bridgewater you're talking about, Julio's a genius. They're geniuses.
That hedge fund is wonderful, but it's a hedge fund,
not a business. And the reason they structure that way
is for they they want to be able to take
massive gains and losses at any time and not expe

(23:00):
to people.

Speaker 1 (23:01):
That's all it's.

Speaker 4 (23:02):
Really, you have no explanation to investors with a hedge fund,
with a Birks your Hathaway, you're a company. You're telling
people we're a company. We're doing something. We're building businesses,
we're selling businesses, we're buying businesses.

Speaker 1 (23:16):
It's a whole different structure.

Speaker 4 (23:17):
So it's like owning part of General Motors or Tesla
that and end you have no regulation virtually, I mean, really,
you don't because you're not selling a security. You're selling
a piece of a company. And when you sell it yourself,
it's not a security. If I sell those shares, it
becomes a security. Pat am, I am I saying that correctly?

Speaker 8 (23:39):
Yeah, that sounds good. YEP, I think that's accurate.

Speaker 1 (23:42):
So, but why would you say that.

Speaker 4 (23:45):
Hedge funds don't form companies like Berkshire Hathaway and simply
sell shares in their company.

Speaker 8 (23:52):
Well, they have limitations when you're a fund, right, So
if you're a forty ZAC fund, you can only take
up the typically a five percent position in any one company.
But you know, it goes back to the fundamentals with Bussett,
his whole fundamental is to go in and take a
larger ownership stake in the company if you've never been
to run the company right exactly, and so he'll take

(24:12):
a twenty twenty five percent position in a company and
essentially control it. If you've ever been to a Berkshire.

Speaker 4 (24:18):
But here's something else, Mark, here's something else. Performance fees
in a hedge fund are tremendous. Now, obviously there's a
reason for a performance fee. You have to hit your
high water mark and you get twenty percent of the gain.
So like one year our fund returned like thirty eight percent,
we took twenty percent off the top.

Speaker 1 (24:39):
That's what you do.

Speaker 4 (24:40):
That's not twenty percent of thirty eight. I'm saying thirty
eight percent. Twenty percent of thirty eight, so not twenty percent.
So you take you take your performance fees. Birshere Hathaway
doesn't take performance fees. They're simply a company making money
and they pay dividends. Well, hedge funds would never do that.
Do you know how much money they make in performance
fee every month on a hedge fund? They make millions

(25:02):
and millions and millions, like that Bridgewater fund you mentioned.
And you can't charge performance fees when you go to
when you go to selling shares in a company, there's
no performance fees. Now you can overpay executives and all
of that stuff, but that never that never works, you know,
and ungodly bonuses. So really, these guys that have hedge funds,

(25:26):
they want to charge that three percent expense fee or
two percent expense fee, and then they also want to
charge on the profit. They want to charge their performance
fees because it's.

Speaker 1 (25:37):
Enormous, it's enormous. What it can return for them.

Speaker 6 (25:40):
The party gave me the understanding of the whole thing
was to five percent. I didn't realize a hedge fund
was limited to five percent when it comes to a
company because they're never going to be making the decisions
inside the company. Where if you can go in and
buy forty percent of the company, you're you're pulling all
the strings exactly.

Speaker 4 (26:01):
Yeah, Now, twenty five million is a small hedge fund.
But on twenty five million, if they returned and they
can easily, we can show you we can easily return
forty eight percent. Okay, Now that's a twelve million dollar.
Now think about this, that's twelve million dollars in gain.
Right if you put in a year, if you put
if you do that, Now, if you do that and

(26:24):
then you take you take like a ten percent or
a twenty percent performance fee. Look what you're making. You're
making two point four million dollars. You could never do
that selling shares. Because you're selling shares and paying dividends.
All it does is raise your stock value. And when
it raises your stock value, Warren Buffett's net worth goes
up because.

Speaker 1 (26:44):
He has insider stock.

Speaker 4 (26:46):
So when he says, I pay less payroll tax than
my secretary. He's just a jerk because what he's what he's.

Speaker 1 (26:53):
Really doing, is tricking you.

Speaker 4 (26:55):
He's making his money on the dividends and on the
on the stock price and on the equity, not on payroll.
He probably pays himself nothing, maybe thirty five thousand a year,
who knows. But it's really disingenuous when he said that, well,
I pay less payroll tax than my secretary. Of course
you do, because you don't take payroll. We got more
coming up. Patrick wants to talk about Elbert County Police Department.

(27:16):
That'll be interesting. I don't think they have a police department.
I think he's talking about the Sheriff's department. Right after this,
go with a sure thing Denver's Best Roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,

(27:39):
call Compass insurance paying too much your coverage at dozens
of insurance companies find out now three O three, seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the Real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom

(28:03):
Martino here and those of you that don't like looking
at my face and they want to see more of Mark.
I'm trying to get his camera up, but it's not
getting up there. And every once in a while Mark
has a problem getting it up.

Speaker 1 (28:16):
We all know it, and I'm just asking.

Speaker 9 (28:19):
Him to me.

Speaker 1 (28:20):
Did you try the new link I sent you, bro
I did? It says it's locked, dude.

Speaker 6 (28:25):
Literally when it goes to it, I hit the camera
button and there's a.

Speaker 1 (28:29):
Picture of a lock.

Speaker 4 (28:33):
I think that Kelly did not or somebody went Did
they disengage the other camera completely?

Speaker 1 (28:40):
That could be it.

Speaker 6 (28:41):
Oh wait a second, Wait a second. I think I
know what happened when you dropped in the other day.
I think you came into my studio and unplugged something.

Speaker 1 (28:50):
I'll get it plugged back in. Hold on, see.

Speaker 4 (28:53):
And I thought you really meant it that you knew
what was going on, because I ruld like to get
your picture up there. But truly, I don't know why
it's not coming up. It's a good link.

Speaker 1 (29:05):
Anyway.

Speaker 4 (29:06):
Welcome people to uh Now, let's get back to the
show and not leave you out?

Speaker 1 (29:10):
Patrick? What's going on with Elbert County?

Speaker 10 (29:14):
Hey man? So if you could just like pull up YouTube,
I'll let the video like kind of speak for itself.

Speaker 1 (29:23):
Okay, you have a YouTube that you did?

Speaker 4 (29:27):
Yeah, okay, and what is on tell me? Okay, I
gotta go to my hold on a second, I'll do
it and tell me what I'm looking for on YouTube.

Speaker 10 (29:39):
Okay, So you're gonna just look up Patrick Martin and.

Speaker 1 (29:45):
Patrick gets you Patrick Martin? And what else?

Speaker 10 (29:49):
I just type that in and is it?

Speaker 1 (29:52):
Is it? Dandelion dandelion eyes?

Speaker 4 (29:56):
No, Patrick Martin, little shop of hors?

Speaker 1 (30:00):
This is what I get when I bring up Patrick Martin.
I get a whole bunch of stuff.

Speaker 10 (30:03):
Bro Okay, bring up dy light.

Speaker 1 (30:10):
D I y yeah lights.

Speaker 10 (30:17):
Lights l I f e.

Speaker 1 (30:21):
O life got it? D y I life.

Speaker 4 (30:26):
Okay, I just did it, and let's see do you Patrick?

Speaker 1 (30:33):
I don't have. I don't have.

Speaker 4 (30:34):
There's nothing that comes up. Man, I just don't know.
I want to look at what you want me to
look at. I put in Patrick Martin. Okay, there's somebody
who there's all kinds of Patrick Martin's, and you're not
one of them.

Speaker 1 (30:46):
So I don't know how to find you. Is it?
Is it a song? Tell me what it is? A
video of what?

Speaker 10 (30:55):
So it's a police encounter?

Speaker 11 (30:57):
Where?

Speaker 1 (30:58):
But okay?

Speaker 4 (30:59):
So bro, if you're looking at what tags did you
put on your video when you posted it?

Speaker 1 (31:03):
Give me a tag?

Speaker 10 (31:06):
I'm looking at my video right now? What did I
put on here?

Speaker 1 (31:10):
Look up?

Speaker 10 (31:10):
Albert County Police?

Speaker 1 (31:13):
Okay? Albert? Okay? Was that one of your tags?

Speaker 9 (31:19):
Yes?

Speaker 10 (31:19):
That is one of my tas.

Speaker 4 (31:20):
Okay now, Albert County Police? Uh two years ago?

Speaker 10 (31:30):
Yeah?

Speaker 1 (31:32):
Okay, got it? I got the video off. You will
do what I tell you to do, Okay, I tell
you to do. This is the video, people, because I
don't want you to talk about the video, sir?

Speaker 10 (31:44):
What that that's what just noted my page. That's not
the video. It's that's my page though, if you can, okay,
another video on my page?

Speaker 1 (31:58):
Okay, what's the other video? How many encounters do you have?
For God's sakes, which other video do you want? I have?
I have February first, twenty twenty five.

Speaker 10 (32:08):
Yes, so one, but there's two. Twelve minute one is
mine and then after mind stops, the next one is
my son who picks up the video recording.

Speaker 1 (32:21):
Okay, so which one do you want us to listen to?

Speaker 10 (32:24):
The twelve minute one?

Speaker 1 (32:27):
Yikes?

Speaker 4 (32:27):
Okay, hold on, hold on, we're gonna come right back
to you. We love doing this, by the way, viewing
stuff and we can share with our audience three oh
three seven one three talk and if they're on YouTube
watching us, they can watch us at a referral list
or Troubleshooter network on YouTube and uh yeah, we'll get
to that and figure out what you want to talk about.

(32:50):
So just stick around, by the way, folks, we're gonna
take a quick break, and then we're gonna look at
this video. Renew Home Innovations for walking showers that are beautiful.
Their shower conversions take out the old only shoves. You
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(33:14):
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(33:36):
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
to seven to one.

Speaker 1 (33:46):
Help.

Speaker 4 (33:47):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two.

Speaker 1 (34:03):
Hi Tom Martine, Okay I got this? Uh YouTube cubed
that this gentleman.

Speaker 6 (34:08):
Yeah, I already warned. I already warned Shannon, he got it.

Speaker 4 (34:12):
Hey, hold on a sec, bro, How many bad words
are going to be in this? Patrick?

Speaker 10 (34:19):
No, like that's it.

Speaker 1 (34:20):
I'm sure it's lazy.

Speaker 10 (34:22):
You want to if you want to skip to the
three minute and fifty two second one that is the
conclusion of the video.

Speaker 1 (34:31):
But never mind, we're not playing this. Stop it, just
stop it and stop it. Stop trying to say what? Man?
Can you say a word without the F word?

Speaker 4 (34:41):
Just tell me what's going on? What are you complaining about?
He's messing with us? Well, I want to know what
are you complaining about.

Speaker 10 (34:51):
I found out that they've they arrested me on a
warrant that they made up they fo.

Speaker 1 (35:00):
Okay, now, if that's really true, Patrick, if that's really true, then.

Speaker 4 (35:09):
You're a victim. But I'm going to explore this. You
say they made it up out out of the clear
blue sky, they made up a rank call bs. Well,
we're gonna hear about it. Patrick, You're gonna have your say.

Speaker 1 (35:24):
On this show. I'm Tom Martina.

Speaker 4 (35:30):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies. Find out now three oh three seven
seven to one help. You'll think you're his only customer

(35:52):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen two.

Speaker 1 (36:06):
Ripped up. You need advis so you don't have the.

Speaker 2 (36:14):
Run into just as fast as you can. Shooter is
gonna help.

Speaker 12 (36:18):
Come man, this is.

Speaker 1 (36:21):
The Troubleshooter Show. No Tom Martino.

Speaker 4 (36:26):
Hey Tom Martino, here fighting for you, solving problems, answering
question taking complaints. We had a great discussion about the economy.
We're talking about all kinds of problems that make you
tick and tick you off. And we have a guy
wanted to talk about Albert County Sheriff's Department.

Speaker 1 (36:40):
And I looked over some of this video.

Speaker 4 (36:42):
I'm not sure exactly what he's calling about, but I
believe everyone should have their say, and I mean necessrely.
You know what what really counts is they have their say,
just no f bombs is And also, I want to
know what your main complaint is. You were stopped by
Albert County police and you believe the warrant was completely

(37:03):
made up, false, not true, and forged.

Speaker 1 (37:07):
Explain that to me, Patrick.

Speaker 10 (37:11):
I have been dealing with these guys for a while
and they just keep harassing me.

Speaker 4 (37:18):
Man, And okay, tell me just real quick to Patrick.
I know you have a lot to say, But in
the interest of time and continuity, when was your first
encounter where they started messing with you?

Speaker 10 (37:32):
Cool years ago? But just like for for continuity purposes,
I haven't been I used to be an alcoholic. I
have no longer. I've been sober for almost ten years, okay,
and I recently haven't like they just, I don't know,

(37:54):
just beenpointed me and decided they wanted to just make
up this warrant. And I can prove it because I
pulled my discovery because I can't afford a lawyer. And
according to their paperwork, I had an FTA on July
twenty six What is.

Speaker 1 (38:15):
An FTA, sir? What is an FTA or whatever?

Speaker 10 (38:19):
A fifth and a failure to appear for an insurance
thing for not providing proof of auto insurance?

Speaker 1 (38:29):
Okay?

Speaker 4 (38:30):
And when was that? When was that appearing state? Supposedly
supposed to be.

Speaker 10 (38:37):
On September twenty eighth?

Speaker 1 (38:40):
And do you remember that?

Speaker 4 (38:42):
Do you remember that event where they asked you for
proof of insurance and you didn't have it?

Speaker 1 (38:47):
I do, okay.

Speaker 4 (38:50):
And did you know that when you did not have
insurance that you were going to.

Speaker 1 (38:54):
Have to go to a hearing? Yes?

Speaker 10 (38:57):
And I did.

Speaker 1 (39:00):
Oh so you went to the hearing and showed proof
of insurance?

Speaker 10 (39:04):
Yes, so, but they.

Speaker 4 (39:08):
Didn't record that you were there. They recorded that you
did not show up.

Speaker 1 (39:11):
Is that right?

Speaker 10 (39:13):
They recorded that I didn't show up two months before
my court date was even supposed to happen and even
on there.

Speaker 4 (39:21):
So there was a warrant issued. Okay, let's get this straight.
Then this is back in what year? Was this this
failure to appear?

Speaker 1 (39:28):
What year?

Speaker 10 (39:31):
Twenty two?

Speaker 1 (39:34):
So you were.

Speaker 4 (39:34):
Stopped for for not for and they checked you. Why
were you stopped to begin with? They looked at your
insurance and you didn't have it on you. But why
were you stopped anyway?

Speaker 10 (39:48):
I was, I became homeless at the time. I was
speaking in my car at Big R and Elizabeth, okay,
and they hold up.

Speaker 1 (40:02):
Okay, okay.

Speaker 4 (40:04):
So so you were confronted for sleeping in your car.

Speaker 10 (40:10):
Yes, in twenty twenty two, yes.

Speaker 4 (40:13):
Okay, now listen, I know, thank you for being sure
with your answers.

Speaker 1 (40:16):
So you're sleeping in your car?

Speaker 4 (40:18):
They come up, they did you get chargement anything at
that time?

Speaker 10 (40:24):
Yes, they had charged me with no proof of auto
insurance and that that.

Speaker 1 (40:31):
Was all.

Speaker 4 (40:32):
Okay, okay, So you did not have proof of insurance, okay,
So then you knew there was going to be an
appearance date and.

Speaker 1 (40:42):
You said you showed up.

Speaker 10 (40:45):
I did, and I closed it because I brought proof
of insurance. And they had written in this war and
made it up saying that I missed court two months
before my court day ever even happened.

Speaker 4 (41:04):
Okay, But here's what I want to know is is
there is there any kind of documentation showing that you
did have a hearing for that that you went to?

Speaker 10 (41:15):
Yes, okay, and I so I have.

Speaker 1 (41:21):
They're saying, even though, so hold on.

Speaker 4 (41:24):
So they're saying, even though you did go to a
hearing and show insurance before that hearing, you missed.

Speaker 1 (41:29):
You missed one before.

Speaker 10 (41:31):
That, that's what they're saying. But it was that and
that they're saying I missed, and and what.

Speaker 1 (41:41):
Do they say about that when you explain it to them?

Speaker 10 (41:46):
I haven't had a chance to judge Warne me.

Speaker 1 (41:49):
Is it possible? Okay, I gotta, I gotta bring this up, Patrick.

Speaker 4 (41:53):
Is it possible you were stopped, you were giving a
hearing date, you didn't show up, and then you went
a another time after that. Is it possible you did
miss a hearing date?

Speaker 10 (42:05):
No, it's absolutely not possible. Yeah, I'm a possible person.
And so my affairs with cordial and diligence and okay.

Speaker 4 (42:20):
So what do you do for work right now? What
do you do for work right now.

Speaker 10 (42:26):
I am a caretaker for a couple in Elizabeth. I
don't have a license because of past DUIs and whatever.
But yeah, I'm waiting to get my license back, which
I'm eligible for right now. But all of this messages

(42:48):
just like unnecessary.

Speaker 4 (42:52):
Okay, So when you were stopped and arrested on this warrant.

Speaker 1 (42:56):
Did you get nasty with him at all? Or tell
me what happened?

Speaker 10 (42:59):
Oh? No, no, no, I didn't get nasty. We were
just I asked my son. He was working out. I
had just finished up dinner. It was cold that day.
I needed to go to the store. I asked him
if he could get me a ride six he was
in town. He said yeah, I'll be there in a minute,
and him and his friend came over picked me up.

(43:21):
We were heading to the store and all of a sudden,
there's light. As soon as we turn off on my streets,
there's headlights blinding us, pushing us up this hill, pushed
us through the stop sign, and then we go right
and we go to the stop light and he's still
just blinding the heck out of us. I have to

(43:41):
stop light, waiting for it, still not pulling us over
so left on to eighty six, and then all of
a sudden he decides to light us up. So he's
talking to the draft and then he immediately is like
where you're coming from? Oh whoa, what are you doing
over there? And I'm like the video shows at all.

(44:02):
But as I'm explaining to him, he's like totally just
like pinpointing me is somebody I'm not. And all of
a sudden he comes back and he sees it on
like videotaping and he's like, okay, well, yeah, no, it's
cool if you videotapes. I'm videotaping too, right, and he goes, well,

(44:23):
and the Stay.

Speaker 13 (44:24):
Of Colorado, this is how it works. I have the
right to idea everybody at the traffic stuff. So once
you about to give me your name and like takes
my name, my son's name, and then he further interrogates
me about neighbors and like I don't even know, like
what are you trying to get at? And then before
you know it, he just comes back and he's like, well,

(44:47):
you got to step out of the car, and I
say okay, like for what and he's like, well, we
got to talk some more. And I said okay, like
all right, like sure, like.

Speaker 10 (44:55):
What do we need to talk about?

Speaker 4 (44:57):
And then he's like, now, you weren't charged with resist
or anything, were you, Patrick? Patrick? Just to cut to
the chase, you were charged. You were picked up on
this warrant. Were you given any additional charges?

Speaker 10 (45:11):
Not there but at the court out at the jail, Yes,
at the jail.

Speaker 1 (45:18):
What else were you charged with?

Speaker 10 (45:22):
I had picked up some paraphernalia that was garbage. I
was fishing earlier that day. I'm uh, there's this pond
in my town. I consider it.

Speaker 4 (45:33):
Okay, I don't need to know this, Patrick. What I
need to know is what was the paraphernalia.

Speaker 10 (45:38):
They said it was matt, I thought it was a
crack pipe.

Speaker 1 (45:43):
Okay.

Speaker 4 (45:43):
So you're fishing, and as a good steward of the environment,
you pick up the trash.

Speaker 10 (45:50):
Yeah, I don't want paraphernalia laying around the community, you know,
my kids and stuffer around.

Speaker 4 (45:56):
Then come on, Patrick, Patrick, bro come on man, Now,
I'm giving you every bit of leeway here. But now
not only did you get wait, they forged the warrant.
I'll even buy that, or they made a mistake, but
then they found some meth paraphernalia on.

Speaker 1 (46:12):
You that you picked.

Speaker 4 (46:14):
Up as a good steward to because you saw litter
when you were fishing.

Speaker 10 (46:21):
Yeah, it sounds crazy, I know.

Speaker 1 (46:24):
Yeah. So how much paraphernalia was there?

Speaker 10 (46:29):
Just two pipes? And like they said that there was
a baggy. I didn't see a baggy, really, man, I
had like a bunch of other trash. Dude, I'd like,
I don't know.

Speaker 4 (46:44):
And you explained to them that you are simply a
good citizen picking up trash along the path.

Speaker 1 (46:51):
Yes, okay, but Patrick, listen to me. Now, I'm not
buying it. Brother, I know I'm not buying it.

Speaker 4 (47:00):
I I'm sorry, And now I'm not saying. I'm not
saying I won't give you some advice here. But could
it have been your son? Was it your son's stuff?

Speaker 10 (47:09):
No? No, no, no, my son's And.

Speaker 4 (47:10):
Did you let me ask you this? Let me ask
you this. Did they do a blood test? Did they
do a blood test?

Speaker 1 (47:19):
Why? No?

Speaker 10 (47:21):
Because I don't have any history of drugs.

Speaker 1 (47:25):
Were you well? Were you charged with paraphernalia?

Speaker 5 (47:30):
Yes?

Speaker 1 (47:31):
So okay and missing the core tes.

Speaker 10 (47:35):
So let's let's say benefit of the doubt. I had
math on me, I knowing we had on me.

Speaker 14 (47:42):
Yeah, and.

Speaker 10 (47:45):
Apparently a blue bag that had some residue. So yeah,
for for argument's sakes, we'll say I'm guilty of all
these charges.

Speaker 1 (47:56):
Okay, okay, okay.

Speaker 14 (47:59):
So so so as like they are super aggressive, like
I wasn't visiting, and like I do drop quite a
few f bombs. My apologies about that, But when you're
being arrested for no reason, it's kind of hard to

(48:20):
cheap it sometimes.

Speaker 1 (48:21):
Well it wasn't. It wasn't no reason, Patrick.

Speaker 10 (48:26):
Why was it no reason? There was no warrant?

Speaker 1 (48:29):
Well no, here's what I mean. Here's what I mean
by that.

Speaker 4 (48:32):
Even if it was a mistake, there would be no
way for that police officer to know that.

Speaker 1 (48:38):
So he was arresting you on a warrant.

Speaker 4 (48:40):
He didn't make up the warrant, it was there, and
then they found drug paraphernalia.

Speaker 1 (48:45):
So what I want to know is this, what date
was this arrest?

Speaker 10 (48:51):
The the thirtieth January thirtieth of Jent for thirty first Okay.

Speaker 4 (49:00):
Now here's what thirtieth Okay, Now here's what I want
to know. Okay, where does it?

Speaker 1 (49:09):
Where is it right? Now?

Speaker 9 (49:12):
Where's what?

Speaker 4 (49:14):
Where's the case? How What's what's going on right now?
How can we help you? What's going on?

Speaker 1 (49:21):
Why don't you hold on? Hold on? I'm going to
come in. Here's what I'm going to come and ask. Patrick.

Speaker 4 (49:25):
I'm going to come and ask, and I have to
take some calls.

Speaker 1 (49:27):
In between you.

Speaker 4 (49:28):
But I really am willing to help you if you
If I know what you need and I can accomplish it,
I'm willing to do it. You don't sound like a
total nut to me. You do sound like a little
denial here and there, but I want to know where
it stands and what we can do for you.

Speaker 1 (49:42):
Right after this, go.

Speaker 4 (49:48):
With a sure thing Denver's Best roofer Excel Roofing dot com.

Speaker 1 (49:52):
You don't pay a cent until you're content.

Speaker 4 (49:57):
Time for an insurance check up, free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hey, I'm

(50:24):
Tom Martine Your Troubleshooter three O three seven one three
talks seven three at two five to five. Patrick, I'm
going to come back to you, but first I want
Paul Doubting. Paul's one of my good buddies, Paul thewatermanwaterpros
dot net.

Speaker 1 (50:35):
And yet again, water is in the news.

Speaker 4 (50:40):
And it's amazing how many municipalities, now we're not talking
about individuals, how many cities and counties and whatever, villages, whatever,
municipalities are learning that their water is not safe and
they're advising people to do filtration. Now, Paul, you're an

(51:01):
expert in this area. You've done a lot of research.

Speaker 1 (51:05):
So when it comes to the mandates the EPA is
putting out for.

Speaker 4 (51:13):
Domestic water, how are how are municipal systems going to
keep up?

Speaker 15 (51:18):
Well, they can't. They're not designed to. That's just the
facts of it. The municipality is not designed to remove
the forever chemicals. Municipality is not designed to remove the microplastics,
which is becoming an emerging issue. And then the other factors.
Municipalities when they treat the water and they're basically treating

(51:39):
it with carcinogens. They are chemicals that disinfect the water
that are also cancer crossing agents, so they're just not
designed to It's totally up to us as individuals to
take care of the quality of water that we consume.

Speaker 4 (51:54):
Well, Paul, is it fair that municipal water systems charge
us and can't delivered to us water?

Speaker 1 (52:01):
I mean, really, at what.

Speaker 4 (52:03):
Point do they say, Well, don't you think some days
it's going to be mandatory that if you have a
house you have to have a system.

Speaker 15 (52:12):
Well, absolutely, I think it's mandatory now, to be very
very frank with you. Which for example, the pi foss
problem I you know, was caused by three M and DuPont.
That contamination of forever chemicals has been going on since
the nineteen seventies.

Speaker 4 (52:28):
And now we're not talking about the teflon too, right,
You're talking about teflon and all that.

Speaker 15 (52:33):
That's it, that's yeah, these are the byproducts from teflon,
you bet. And so this chemical contamination has been going
on to the point where it's not only in our water,
but that the human waste has to be disposed of
when you remove it from a municipality's septic you know,
plant sewer planted that human waste they call biosolid. They

(52:55):
give it away to farmers and farmers use that to
fertilize their fields. Fertilizer.

Speaker 11 (53:00):
The biosylid is full of p fas, So a lot.

Speaker 15 (53:03):
Of our farm ground is contaminated. There's stories you can
you can research this online. There are stories they talk
about farms, complete farms in Maine for example, a farmer
to you know, destroy all his dairy cows because the
milk was full of p fas. So it's something that.

Speaker 4 (53:19):
You know, Paul vauls, So you're really you're really saying
that our poop is contaminated beyond normal.

Speaker 5 (53:26):
Correct, Correct, That's that's the problem.

Speaker 15 (53:29):
Correct, And they don't test for it, and that's the issue.

Speaker 4 (53:32):
No what our urineb would are urine be contaminated as well?

Speaker 15 (53:36):
Absolutely correct, it would be. It's a vicious cycle. And
think about this, folks that live in Castle Rock right now,
Douglas County and Castle Rock, they're about thirty five percent
reusable water where you know, the phrase is going from
the toilet to the tap. Eventually they want to increase
to a larger amount. It's recyclable, re usable water. What

(53:57):
concerns mean is that then you know the cancammination, you know,
could increase and become greater because you're reusing it when
you dump water. When water goes into you know, a
body of water, let's say the Platte River. So where
Aurora dumbst in the Platte downstream, Denver pulls it right
back out. So technically is.

Speaker 5 (54:15):
That reusable water?

Speaker 10 (54:16):
You bet.

Speaker 15 (54:17):
And what they're not testing for is they're not testing
for the p files and letting everybody know. Now, Denver
County and Adams County did send letters out last year
saying to p FILEX levels were above what the EPA
stated to think about this real quick. They started out,
this is what's scary. They started out saying that p
fix levels could be couldn't be more than one part provillion.

(54:39):
Now that's pretty small. One part probillion is one drop,
and then until like a little excise ran well, okay,
then they mandated it down to four part petrullion, and
then shortly after that they mandated it down to zero.
So there's no way a municipality is designed right now
as you and I are talking to handle any of
those can't happen. So that's why going to be up

(55:00):
to each individual and My thought is they want to
give out you know, crants for people to buy you know,
electric bicycles and electric vehicles. They need to start doing
something like that so folks can buy you know, water
filtration systems because everybody needs water's health.

Speaker 4 (55:15):
Well, listen, listen, what do you think I mean, is
anyone trying to get through the administration or congressman? I mean,
what are there any any kind of laws going on
that can help.

Speaker 15 (55:27):
Us right now that's not being talked about. To my knowledge,
I don't know of anybody just lash election cycle, state
local officials. Nobody bought this up to anybody's attention. Now,
think about all the growth, all the growth that's going
around me, and it's just amazing how how big our
community is getting. And there's still a limited amount of

(55:47):
water resource, so there's only so much water goes around.
So eventually everybody in my in my belief for planning
this growth, and what they're going to do is go
to reusable water. That's what they do in California, reusable
water San Diego, right from the toilet to the tap.
And when you do that, think about this is another
thing that's pretty scary. These nanoplastics can carry carcinogens. These antoplastics.

Speaker 4 (56:11):
Well, of course, I mean, I mean, Paul, without saying
I mean anything that you I mean, I don't even
know what we do about it.

Speaker 1 (56:19):
But but what you can do.

Speaker 4 (56:21):
Are you saying that we can have near damn near pure,
pure pure water with a system?

Speaker 5 (56:26):
Correct?

Speaker 1 (56:27):
Absolutely?

Speaker 15 (56:27):
And here's the thing right now, that's why we were
you know, I designed this special because to me, it's
this important, you know, And that's why we have the
promotion that we're doing, because you have to have the
point of use for verse osmosis to other There's another
issue that we have you haven't even really talked about,
and that's the pharmaceuticals that are in the water supply.

(56:48):
And that's an absolute fan now, I know.

Speaker 1 (56:50):
I know.

Speaker 4 (56:50):
So let me get this straight, though. Let me get
this straight and truly I mean this, and people, I
feel very strongly about this, as strongly as I do
about you know, being proactive with your health and exercising
and what you eat. Well, my god, water is absorbed
through the skin, water is put into the ground, and
then water we drink, and you can get everything, everything treated,

(57:14):
everything for under four grand with this new special. It
includes the best triple filter reverse osmosis drinking water. You
can have removal of all chemicals and pfas.

Speaker 1 (57:28):
Does it address the pharmaceuticals too.

Speaker 15 (57:31):
Yes, the reverse osmosis will address the pharmaceuticals. Plus we're
getting rid of the total chlorine content. I can't tell you,
Tom how many homes I've been to where the total
chlorine content is in.

Speaker 9 (57:41):
The hot water heater.

Speaker 15 (57:42):
So that means we're breathing that in in the scheme
when we take a.

Speaker 4 (57:45):
Hot right, so tell me the full price. Then I say,
under four grand? How much is it all in?

Speaker 15 (57:50):
All in three ninety five dollars?

Speaker 5 (57:53):
All in?

Speaker 1 (57:54):
Okay? So it is under vice is five? Okay?

Speaker 4 (57:56):
So listen, folks, you will never ever ever find a
better deal. And I talk to my good friends who
run plumbing companies, and I say, does it bother you
that I do these commercials for these guys because you
can't touch them, And they said, well, we can't. We
can't touch their prices, and we have a lot more
overhead and do a lot of other things, and so

(58:18):
everything gets aggregated over.

Speaker 1 (58:20):
All of our calls.

Speaker 4 (58:22):
And I understand that. And Paul's a business man. He
understands that, but this is all he does, so he's
able to just pass on the best savings everywhere.

Speaker 1 (58:32):
And I'm telling you I want you to call him.

Speaker 4 (58:34):
Three zero three eight six two five five five four
eight six two five five five four Paul, I'm going
to run onto this other guy that's.

Speaker 1 (58:41):
Been he says, a framed you know, so you can
hang out in case we have questions.

Speaker 4 (58:47):
I'm not making you leave, by the way, if you
want to hang out, you can because we might get
follow up texts or questions.

Speaker 1 (58:52):
That's up to you. I'll leave that up to you
and Kelly. All right, Patrick, real.

Speaker 4 (58:56):
Quick, I'm gonna take a break, but I want to
ask you. I'm Patrick, what is the state status of
your case right now? You say, even falsely accused, falsely arrested.
What is the status of the charges right now?

Speaker 10 (59:09):
I'm supposed to appear May first for parents of counsel.
The judge had warned.

Speaker 1 (59:17):
Okay, do you do you have an attorney? No?

Speaker 10 (59:21):
I don't I need The judge had warned me because
I gone pro see, I had found this information after
I acquired my documentation on my discovery. I had opened
the files and I was going to go pro se
because it's black and white, it's clear as day. But

(59:42):
the judge warned me that terminology and whatever.

Speaker 4 (59:46):
That's right, that's right, even the process, the process itself can.

Speaker 1 (59:50):
Hurt you, Patrick, Yes, he warned me, process itself.

Speaker 10 (59:57):
But I can't afford funding and life. Obviously, you heard
the case sounds crazy, it sounds delusional, so it's hard
to get anybody to look at it with no money.

Speaker 4 (01:00:12):
All right, listen, I'm going to have somebody look at
it free of charge.

Speaker 1 (01:00:17):
But I'm not going to say they're going to represent.

Speaker 4 (01:00:19):
You, but I will have him look at it.

Speaker 5 (01:00:26):
Now.

Speaker 4 (01:00:27):
Katschina, I want you to do me a favor, Katchina,
are you listening, dear?

Speaker 1 (01:00:32):
Put down the mimosa, all right.

Speaker 4 (01:00:35):
I want you to get him to email us every
fire of the files he has. Then what I would
like is I would like Joela's ARRA to take a
look at his case.

Speaker 1 (01:00:45):
We'll have a case number and everything.

Speaker 4 (01:00:47):
Just tell Joe we want to first blush on this
and he'll look over all the paperwork and talk to us. Okay,
all right, yep, So hang on, Patrick, We're going to
get you some help and we're going to just basic,
get our guy to uh to look at it three
oh three seven to one three talk seven one three
A two five five Now listen Frank around the real

(01:01:09):
Estate Man. You want to talk about free analysis. He'll
do an analysis of your home and what it will
sell for.

Speaker 1 (01:01:14):
Listen.

Speaker 4 (01:01:15):
The market's updown and all around, depending on where you are,
and he will help you evaluate your home and come
up with a figure of what he thinks you'll net
on this. And he's accurate like ninety nine percent of
the time. So if you want to know what your
house will sell for free of charge three oh three
nine two zero sixteen twenty two, No obligational list three
oh three nine two zero sixteen twenty two Frank around
the real Estate Man dot com. Go with a sure

(01:01:41):
thing Denver's best roofer Excel Roofing dot com.

Speaker 1 (01:01:44):
You don't pay a cent until you're content.

Speaker 4 (01:01:49):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real Estate man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hey, I'm

(01:02:14):
Tom Martine. You're a troubleshooter and I've just been joined
by Deputy d here at the house and so we
got a full contingent and Deputy Doc is at homeworking
on stuff, and.

Speaker 1 (01:02:24):
Uh, who else we have available? Kachina, Well, we don't
currently have anybody in the studio right now. Mark is
still I believe working with Gravinas, so he'll be back, okay.

Speaker 4 (01:02:39):
And then that just goes to show you that we really,
we really do use our own sponsors. I mean, Mark's
out there and he's uh talking to Gravina.

Speaker 1 (01:02:48):
Absolutely, and I do believe Bo is available. Good.

Speaker 4 (01:02:54):
Now let's talk And by the way, if any of
you guys have follow ups, give me a call. I
want to talk to Paul Dowdy again with waterpros dot net.
I do have a couple of texts here Paul. Yes, sir,
somebody is writing about something. It's controversial. Some of my
sponsors sell it, but we have to address it. They

(01:03:15):
want to know about that hard water system that requires
no hookups or any what was it called again, hail.

Speaker 1 (01:03:26):
Yes, that's exactly what it is.

Speaker 4 (01:03:27):
I couldn't find the text right now, and that's so
I just found it. You're right, what about the halo system,
it's not.

Speaker 15 (01:03:35):
It doesn't work. It doesn't soften water. There's a magnet
So water hardness is calcium carbonate.

Speaker 9 (01:03:41):
It's a liquid.

Speaker 15 (01:03:42):
When it oxidizes, it converts to a rock or a scale.
You're not going to pull the rize basically calcium carbonate.
It won't happen. So, long story shortcom resin has a
negative charge. Water hardness has a positive charge. When you
win the water through the resin, the resin grabs the

(01:04:03):
hardness before it oxidizes and goes to a scale. People
take that legitimate science and say, okay, well we're going
to try to magnetize. You can't magnetize basically a rock,
because that's what hard water does. It air comes in kind.

Speaker 4 (01:04:17):
But let me explain it and even and that's very well.
I want to do in a very very very very
basic way. Water softening is the removal of minerals from
your water. It's that simple, and a certain amount of purification. Now,
what they tout it for is better laundry, better skin

(01:04:37):
better on your pipes, less wear, less calcification. What halo
can do is it can suspend and keep your pipes
a little cleaner now and then it does nothing for
your skin and for the delivery because all of the
minerals are still there when you pour that out of
a faucet. With a halo system, I can guarantee you,

(01:04:59):
we can test and every single mineral will be present
in that water.

Speaker 1 (01:05:04):
It has not removed anything.

Speaker 4 (01:05:06):
It just makes it go ahead.

Speaker 15 (01:05:09):
One thing, Tom, the halo is super ineffective, and water
hardness is over ten grains per gamon. If you have
moderately hard water, then you could see a slight difference
with a halo, But when you have super hard water,
it just it won't work. It's just not effective.

Speaker 4 (01:05:26):
In fact, we had a case where they sold a
halo system to a woman to preserve her water heater.

Speaker 1 (01:05:33):
Remember yeah, no, it was up.

Speaker 15 (01:05:35):
It was up and conn offer absolutely and.

Speaker 1 (01:05:38):
They told her that.

Speaker 4 (01:05:39):
You told her, they said, if you install this water
heater without something to condition your water, it's going to
calcify and be destroyed. So she put in the halo
system and what happened to the water heater. It was
calcified and destroyed.

Speaker 15 (01:05:57):
Correct, Absolutely correct, that's right, that's what happened. And so
you know, a halo unit is basically, you know, it's
a carbon backwashing carbon filter with a magnetic you know,
at the bottom of it. And so if you think
about water hardness, and if you think about you know,
water in the majority of the metro area of the neighborhoods,
you're gonna have water hardness between you know, ten to

(01:06:19):
fifteen grains. And we've removed several halo units where you know,
it made no difference, and that's they were on water
conditions that were just very hard water. So you can't
magnetize water hardness.

Speaker 4 (01:06:34):
You can suspend and you can trick somebody some of
the time, but it's not going to work. And I know, listen,
I know there are people that all swear by it,
and I'm telling you right now, if you did an
actual chemical test, you would find the water exactly the
same on each side, wouldn't you, Paul, Absolutely correct.

Speaker 15 (01:06:54):
Now, there's some parts of the neighborhood where they have
what I call, you know, morally hard water, where you're
between three to five grains. Then you can see, you know,
a Halo, could you know, make it somewhat of a difference,
but not much. And again the hardness levels okay, the
same yep.

Speaker 1 (01:07:12):
Okay, thank you, and that's uh.

Speaker 4 (01:07:14):
Paul paula Waterman three oh three eight six two five
five five four.

Speaker 1 (01:07:17):
I got to take a quick break.

Speaker 4 (01:07:19):
Now. We're taking any of all of your calls at
three oh three seven one three Talks seven one three
eight two five five or of course three oh three Martino,
So we'll solve your problems, answer your questions, take your complaints,
and make your life just the little easier.

Speaker 1 (01:07:31):
Stick around, go.

Speaker 4 (01:07:37):
With a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one help. You'll think you're his only customer

(01:07:59):
when you choose Frank around the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hey Tom Martino,
your troubleshooter three oh three seven one three, talks seven
one three, two, five five.

Speaker 1 (01:08:18):
Frank, what's going on with you? Frank Welcome to the show.

Speaker 9 (01:08:22):
Yeah, you told me about a place in Denver that
has sisage and peppers.

Speaker 15 (01:08:27):
What was the name of that store?

Speaker 1 (01:08:31):
Do you remember the store or the restaurant? What do
you what do you mean by the store? Frankie was
the restaurant.

Speaker 16 (01:08:37):
We had this conversation a couple of weeks ago about
where you can still go to get good, you know,
Italian sausage and peppers, and uh, there were only a
few options left, but Guetano's on thirty eight is still
one of.

Speaker 4 (01:08:52):
And then another one was Viali's on Colorado Boulevard. It's
a it's in a strip over there, and it's it's
an amazingly good Italian restaurant, and unfortunately everybody's getting to
know it now. But it's not like luxury Italian or
something like quality Italian, but it's a different It's casual
Italian and they have great sausage and peppers.

Speaker 1 (01:09:15):
Viali Vali v I Vali v A v I A
l E. It's on ninety thirty.

Speaker 4 (01:09:30):
Viali v I A l E so vi al and
it is thirteen ninety South Colorado Boulevard. Okay, and again
this food and this food, and I'm gonna be straight
with you.

Speaker 1 (01:09:45):
It's casual Italian.

Speaker 4 (01:09:46):
It's nothing you have and you'll say, oh my god,
I got to tell everyone about this.

Speaker 1 (01:09:50):
It's just good food and it's not.

Speaker 4 (01:09:53):
But it's not like like an experience quality Italian.

Speaker 1 (01:09:56):
I'll be honest with you on uh.

Speaker 4 (01:09:58):
In Cherry Creek quality Italian, they have some stuff that
is an experience, but.

Speaker 1 (01:10:03):
You don't always want that.

Speaker 4 (01:10:04):
I like casual Italian, but man, you want to talk
sausage and peppers. That's a oh my god, it's inexpensive
and it's a great dish and it's at the Ali
Pizza and Kitchen.

Speaker 1 (01:10:16):
So I hope that helps you.

Speaker 4 (01:10:18):
We got more coming up on the Troubleshooter Show, ron
stick Around. I'll take your call right next on The
Troubleshooter Show three oh three seven to one three talk,
or you can call three oh three Martino three oh
three six two seven eight four sixty six. Go with
a sure thing Denver's Best Roofer Excel roofing dot com.

(01:10:39):
You don't pay a cent until you're contenth time for
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three, seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot

(01:10:59):
com to listen your home with Remax Alliance three oh
three nine two zero sixteen twenty two yea.

Speaker 5 (01:11:10):
Ripped up.

Speaker 1 (01:11:12):
News need advice so you don't have.

Speaker 2 (01:11:17):
Come running Just as fast as we can, Shooter's gonna
help come.

Speaker 3 (01:11:23):
Man six is the Troubleshooter Show. No Tom Martino.

Speaker 1 (01:11:30):
Hey, I'm Tom Martino. Welcome to the show.

Speaker 4 (01:11:32):
We are hoping we can help you with all of
your problems, qastians, complaints, those everyday aches and pains that
tick you off, and the ones that make you tick.
Welcome to the show, and we are here Monday through Friday.

Speaker 1 (01:11:45):
But here's what I want to tell you.

Speaker 4 (01:11:47):
You can call us twenty four to seven at three
oh three Martino three oh three six two seven eight
four sixty six.

Speaker 1 (01:11:55):
For those streaming, I'll put that up on the screen.

Speaker 4 (01:11:57):
Let's talk now to Ron, who had a question about
our Registration's, Ron, what's happening.

Speaker 17 (01:12:04):
My neighbor bought our new US Hyundai at Mountain Hunday.
He's on his second temporary tag, so the county Broomfield
told him he couldn't get another one, and he still does.

Speaker 1 (01:12:17):
Well, actually, hold on what they wait? Wait?

Speaker 4 (01:12:21):
Wait when he when would they have told him that
in a traffic stop or what?

Speaker 17 (01:12:27):
He went over to try to get his plate, Well,
you can't.

Speaker 4 (01:12:32):
He can't get him unless he has the all the
title work.

Speaker 12 (01:12:37):
Right.

Speaker 17 (01:12:38):
And he was gonna he's running out of time on
his second one, and he was trying going to see
if he could get another one until he could get it,
and for some reason they came.

Speaker 4 (01:12:47):
So he went to motor Wait, wait, wait the place.
Here's what he did wrong, Ron. He should have gone
to the dealer to issue it, and then Motor Vehicles
doesn't care. They don't give a rip if he went
to What they do want are people cheating the system
and not getting a car registered. But if he goes
back to the selling dealer and he's or I'm assuming

(01:13:07):
you bought it from a dealer, did he yes? Why
can't he just go back to the dealer and by
the way, the reason he can't get his title is
because of the dealer. That's right, So the dealer should
issue the temporary tag and motor Vehicle wouldn't.

Speaker 1 (01:13:27):
Know anything about it. They don't keep track of that.

Speaker 17 (01:13:31):
So he can go back to a dealer and get
another temporary.

Speaker 1 (01:13:35):
Absolutely if it's their fault.

Speaker 4 (01:13:37):
If it's their fault that he's not getting his title work,
it's in their lap, then he needs to say, look,
I need another tem tag. Do not get into the
story that he went down and tried to do it
on his own and motor vehicle said no. You don't
want to give the dealer any excuse to say no,
because there is no such thing as you can get

(01:13:57):
another one. I've known people that had four of them
from the dealer. The selling dealer is the one that
has to issue it. DMV does not keep track of them.
They won't be calling up your friends saying, oh, by
the way, we noticed you just had a third temporary tag.
We're not calling that good. They don't care.

Speaker 1 (01:14:16):
All they care about is that you register your car.

Speaker 17 (01:14:20):
Okay, that's kind of what I was after. I'm hoping
to help him out on as he from he's not
from this country, and he kind of gets confused and
I'm just.

Speaker 9 (01:14:30):
Okay, come out. So I'll just tell him to go back.

Speaker 17 (01:14:32):
To the dealership and tell them to give him another one.

Speaker 1 (01:14:36):
Well, that's good. And you know what's said, is it
used to be? Now they've cracked down recently on stuff
it used to be.

Speaker 4 (01:14:43):
I mean, how many times have you seen out of
date temp tags? For God's sakes, I see him all
the time. How many times do you see cars that
don't even have plates on them? Now they're starting to
crack down on him. But it was a joke that
if you, you know, if you're Mexican and you're driving around,
they'll let you go. Oh, I swear to god. I
mean there were people driving around.

Speaker 1 (01:15:03):
For months and months and months and months and months
with no tags whatsoever, and I see them over and
over and over again.

Speaker 4 (01:15:10):
I don't recommend that, and they are starting to crack down.
But it's a thing if you were Venezuela or Mexican.

Speaker 1 (01:15:20):
Yeah.

Speaker 4 (01:15:21):
Again, I'm sorry he's having that trouble. If he has
problems with the dealer, call us back.

Speaker 9 (01:15:28):
I will do that.

Speaker 17 (01:15:29):
Yeah, I'll let him know because he's the one should
call you. But I'm gonna talk to him a.

Speaker 15 (01:15:35):
Little later anyway.

Speaker 17 (01:15:36):
And he's asked me, okay, do what I'm trying to
help him out here, and I thought, of.

Speaker 4 (01:15:40):
You, no problem, brother, thank you. You tell him he
can call us at any time. Troy Stern wants to
talk about a Senate bill.

Speaker 1 (01:15:49):
I'm not sure which one. Go ahead, Troy.

Speaker 11 (01:15:52):
Hey, Tom destroy I talked to you about a month ago,
cinnabel play five oh three? The uh?

Speaker 1 (01:15:59):
And which one was that?

Speaker 11 (01:16:02):
It's the Gunman bill, the one where they were gonna ban.

Speaker 1 (01:16:07):
Which one was that?

Speaker 4 (01:16:08):
Which one was that you you researched it actually for us?
What what hold on? Dmitri looked it up for us
at the time to meet.

Speaker 16 (01:16:14):
Hey, Troy, I remember your call from about a month
or so ago. And I've been following that bill too,
and and I think it's on that fifteenth amend set
of amendments right now.

Speaker 1 (01:16:25):
But the House calls update. I think it's oh good,
what is the update?

Speaker 11 (01:16:32):
Okay? So the other day was that the House Committee,
the Judiciary Committee last night passed it with a ton
of amendments.

Speaker 10 (01:16:42):
Uh.

Speaker 11 (01:16:42):
The biggest impact is going to be they're not gonna
flat out ban the rifles, but to actually purchase one,
you have to go to your county sheriff and be
quote unquote vetted by the county sheriff, and then the
county sheriffs going to give you a card that you
can take to Colorado Parks of Wildlife to take a

(01:17:06):
gun safety course that does not exist.

Speaker 1 (01:17:10):
And what kind of guns are we talking about? What?
What kind of guns are we talking about? For this
my understanding of.

Speaker 11 (01:17:17):
Gas operated.

Speaker 9 (01:17:20):
So gas operated, it's almost automatic.

Speaker 1 (01:17:25):
Gas gas. What is he talking about? There's anything out
of a revolver?

Speaker 16 (01:17:31):
Yeah, okay, basically it basically almost all semi automatic guns
other than.

Speaker 1 (01:17:38):
Yeah, you mean the point, click and shoot.

Speaker 16 (01:17:40):
Yeah, they they I mean, they did carve out a
couple of specific exceptions by name, but those are it's
a pretty minor set of exceptions. But basically they're trying
to make it much worse. Five guns, yeah, and uh uh.
And they're they're they're trying to make it much They
can't ban guns out right, they they recognize that, but

(01:18:01):
they're trying to make it so much of a hassle
to go and try to acquire one. And they're also
trying to make it so much more expensive but Troy,
as I pointed out last time you called, you know
our side, you know, the pro American, pro freedom, plural
liberty side has had a really good few years at
the Supreme Court, and this year is shaping up to

(01:18:23):
be even better.

Speaker 9 (01:18:25):
There.

Speaker 10 (01:18:25):
You know.

Speaker 16 (01:18:26):
You see, there are a couple of outright assault weapon
ban cases that the Supreme Court is going to take
up this year. There are magazine there's at least one
magazine limit case that the Supreme Court is going to
take up this year. So you know, my prediction is
even if Colorado passes this law, which I believe they will,

(01:18:46):
it's it's going to be short lived.

Speaker 1 (01:18:48):
Because the Supreme Court is going to put the.

Speaker 9 (01:18:49):
Kabash on this nationwide ye to make sure.

Speaker 11 (01:18:53):
The biggest problem right now is that they're going to
steal money from Colorado Parks and Wildlife to stand up
this education course that doesn't exist. So right now, Colorado
Parks in Wildlife we teach a hundred eight course and
it costs the students nothing, and so volunteers teach this course.

(01:19:16):
So when they say that they're going to have a
firearms education course, well they're going to have to develop
the curriculum, hire the instructors, because nobody's going to teach
this fararm safety course for free. The cost is going
to be outrageous. It's going to be millions of dollars.
And then we're going to have to the state is
going to be spending millions and millions of dollars fighting it.

Speaker 1 (01:19:40):
You know, look, look what do you expect? Truly? Colorado
has become a joke?

Speaker 4 (01:19:45):
Do you We had such a wonderful, beautiful state. It
was balanced, It wasn't lopsided one way or the other.
I don't want to see lopsided government, unless, of course,
you're trying to undo all the all all the stuff
that's been going on. If it was lopside, then you
have lopsided to lopsided. But eventually, I like a good mix,
and Colorado is anything but a good mix. I don't

(01:20:07):
know how the hell it happened, but it's been infiltrated
by nuts, absolute crazy people.

Speaker 1 (01:20:13):
And I don't get it. I just don't get how
bad it is. And it's more.

Speaker 4 (01:20:19):
We are more liberal and progressive than California.

Speaker 1 (01:20:22):
I swear to god, we are.

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for your home. Three oh three four to one seventy
one hundred. So, uh, Wade has an issue with something

(01:22:19):
with tires at Walmart.

Speaker 1 (01:22:20):
Wade good Man, what's going on?

Speaker 7 (01:22:24):
Hey, longtime listener, first time caller, And you're probably gonna
love this one because I know you love these tires,
so we'll talk about it.

Speaker 1 (01:22:31):
I have some.

Speaker 7 (01:22:32):
I had some tires installed at Walmart Auto Care Center
at four forty Wadsworth Boulevard and Lakewood clear back in.
Let's see, it would be this January fifth, twenty twenty one,
and I had the beautiful bridgestone run flaps installed all
the way around the car and I got old.

Speaker 1 (01:22:50):
Okay, so it was in January of twenty one.

Speaker 4 (01:22:54):
January of twenty twenty one, four Okay, keep going fires.

Speaker 7 (01:23:00):
This is a car that hardly gets driven at all
because I have four cars. Everything went good for several
years and then up until last year twenty twenty four.
At this end, I started getting a light that I.

Speaker 1 (01:23:11):
Had a low tire.

Speaker 7 (01:23:12):
Well, I found a screw in the right rear run flat.
So I said, oh, no, big deal, just take it
back to Walmartin and get it fixed. Well, I found
out they don't like fix and run flats anymore, and
they said the tire could not be repaired, it was
done for. So I said, okay, well.

Speaker 4 (01:23:27):
What do we by the way, that's not hold on, bro,
I just want to It's not entirely it's not entirely true.
They don't like run flats anymore. The problem with run
flats is they can't be repaired.

Speaker 7 (01:23:40):
Exactly, and that's what they said. This one could not
be repaired.

Speaker 1 (01:23:45):
No, most most run flats. The only time, the only
time a run.

Speaker 4 (01:23:49):
Flat can be repaired, would be a minor minor, minor
puncture in the tread, nothing even approaching the sidewall. So
the benefit of a run flat it gets you to
a tire place when you have a flat, But the
disadvantage is it can't be repaired, so when it can't
be repaired. You're looking at replacing it, but they will

(01:24:12):
never replace just one if it has any wear on it,
So now you're faced at buying at least two and
sometimes four tires for one flat. I ran into a
case where I had a flat on my sidewall, on
my run flat, and I ended up with a two
thousand dollars bill.

Speaker 7 (01:24:30):
Well that's about where I'm at right now, because, as
I said, they said that they could not fix the
one tire with a screw in it. They did not
make them anymore, and I needed all new tires. And
the manager, her name is Betty Ann. She even said,
don't worry, We'll just buy you all new tires. It
sounded good at the time, but all of a sudden
she quit calling me nothing. And then finally I started

(01:24:51):
going by the store and say what am I going
to do here? And finally one guy says, well, our
big manager for the store said, just go ahead and
order a whole new set of tires and bring it.
Men here will install them and will reimburse you. I said, fantastic.
I did exactly that. I ordered a whole set of
BF Goodrich brand new tires from Walmart.

Speaker 15 (01:25:09):
Dot com.

Speaker 7 (01:25:09):
They were delivered there to the tire shop where they
first set was pulled off. They installed them, wrote hazard
warranty again. I always have full warranties. I was sitting
in the waiting room when they said, your car's almost ready,
and I was looking at my credit card and somebody
credited my count. It all went away, he said, The
managers in the back room working on issuing you a reimbursement.
Sounded great. I walked out the door happy as could be.

(01:25:31):
The next and I locked my credit card because the
credit card only had that on it. The next morning,
I woke up and lo and behold, Walmart charged my
credit card one thousand, one d and fifty eight dollars
and eighty six cents. I immediately called the credit card
and get I did a dispute on it. They started
the dispute papers. I had to send all my papers
into them, showing the original tires. I bought the second

(01:25:52):
set of tires. I bought all fully warranted blah blah blah.
And that's where we're at now.

Speaker 5 (01:25:56):
Now.

Speaker 7 (01:25:57):
A couple of weeks I went by and I noticed
the credit issue. But it's a provisional credit from a
credit card company. They're still battling out with Walmart. So
that's where I'm.

Speaker 5 (01:26:05):
At right now.

Speaker 4 (01:26:07):
Okay, let let me explain a few things that you're
not going to want to hear, and then a few
other things, and wait, I'm just going to give you
the black and white.

Speaker 1 (01:26:15):
Okay, they don't owe you the tires. Okay, they just don't.

Speaker 4 (01:26:19):
You bought a tire and it went bad and they
can't repair it. It's not because they don't make them anymore.
It's because they can't repair it. It has nothing to
do with whether they make them or not. They can't
repair it, and you can't just buy How many miles
were on this car?

Speaker 1 (01:26:37):
How many miles were on these tires?

Speaker 7 (01:26:39):
Five thousand?

Speaker 4 (01:26:42):
Okay, that should be with a five thousand miles, you
shouldn't need all four new tires. That should be well
within replaceable range where you can replace one of those tires.
So if I were you, I would have looked for
one replacement tire period and put it on there and
you would have been fine.

Speaker 1 (01:27:00):
Okay. I don't know why they said you needed all
new tires. That was wrong. You did not need all
new tires.

Speaker 7 (01:27:06):
Yes, they were right, they said that the gap to
get only tires because they couldn't find any if they
were discontinued. And I looked on the web too, and
they were discontinued. And then I called several places. They
said Bridgestone discontinued the run flats completely.

Speaker 4 (01:27:21):
Well, okay, but that doesn't mean you couldn't find one.
Okay if they discontinue them, Okay, but here's the deal,
you didn't.

Speaker 1 (01:27:29):
It's too late now anyway.

Speaker 4 (01:27:31):
But I believe at the time we could have found
even if it wasn't a Bridgestone, we could have found
an acceptable replacement tire that you could have put on
your car. Okay, I know you could.

Speaker 1 (01:27:42):
Have, and it could have been a run flat and
it would have been fine.

Speaker 4 (01:27:46):
The problem is, and they even have places that will
shave those tires down to match the others, so you
don't have to buy all four. But that's too late now. Now,
you bought four new tires under the premise that they
were going to pay for them. Well, in my opinion,
that's a contract. So do you have proof that they
said they would pay for them?

Speaker 7 (01:28:06):
Yeah, just vocal from the manager and a couple of workers.

Speaker 4 (01:28:10):
There are they denying it? Well, they deny it on
your dispute. Are they saying we never told them that?
What are they saying nothing? They're saying nothing. I can't
get her to call me. I've left well messing my name.

Speaker 1 (01:28:22):
Well, we need to put this.

Speaker 4 (01:28:25):
To one of our deputies to intercede for you, because
you don't sound like you're flat out lying.

Speaker 1 (01:28:31):
But here's the bottom line. You claim that they.

Speaker 4 (01:28:36):
Said, since we can't in this tire, you're gonna need
all FOURIGN new tires and we will buy them for you.

Speaker 7 (01:28:44):
Now, they didn't say that buy them for me. They
said I'd have to buy them on my own and
then they'd reimburse me.

Speaker 4 (01:28:51):
Okay, good's that's all the better because then that shows
the logical, the logical progression.

Speaker 1 (01:28:59):
Where on your card and you were waiting to be reimbursed.

Speaker 7 (01:29:02):
They took off Yeah, they took off the But here's.

Speaker 1 (01:29:05):
What I want to know.

Speaker 4 (01:29:06):
Hold on, hold on, hold on, hold on, bro If
they said you got to buy them and then we're
going to reimburse you, why would you contest the charge
then when it showed up the next day.

Speaker 1 (01:29:16):
That doesn't make sense to me.

Speaker 7 (01:29:18):
Well, no, she took the charge off my credit card
the day after they put them on, so I thought
we were done. I was literally sitting in the tire
waiting room and I asked the guy at the counter.
He goes, she's in the back room working on your
your reimbursement. And sure enough, I opened my credit card
app and it vanished. It vanished, the credit card went
back to having a zero balance. I put the lock

(01:29:39):
on my card and I went home and I checked
it all day and that night and it was zero balance.
And then the next day the next day, Oh, I
get it.

Speaker 1 (01:29:48):
Oh I get it. Okay, okay, okay, got it, got it?

Speaker 7 (01:29:51):
Got so and I seen it, really well, that is
odd all my card and said, I'm going to dispute
this right.

Speaker 4 (01:29:57):
That's when you can test it. When you saw it,
rep you can tested it. I understand that completely. So
what's the latest you hear from them?

Speaker 1 (01:30:07):
Nothing?

Speaker 7 (01:30:07):
I've left about five more calls at Walmart and they
won't return my call. So the only people I'm dealing
with right now is my credit card.

Speaker 4 (01:30:17):
Okay, we need to deal with it. We need to
get somebody on this case. Deputy deal take it. Okay,
he's right here right now. He'll be calling you and
then what we'll do. He'll probably call you later, but
what we'll do is we'll contact the Walmart for their
side of the story and try to get the ball rolling.

Speaker 1 (01:30:34):
I really don't think I believe you. I believe every
bit of it. Otherwise, why would they have credit to you.

Speaker 7 (01:30:41):
The first time I got all my ben I took
screenshots of all that, where it was, where it appeared.

Speaker 1 (01:30:48):
One thing.

Speaker 4 (01:30:49):
One thing I want to tell you, and I want
to tell other people that complain. When you tell this
story from here on out, you don't have to go
into so much detail about the first set of tires,
because then they start disputing, to begin with saying, well,
it's not our fault, you got a nail.

Speaker 1 (01:31:05):
So what I would say is simply this, I bought tires.

Speaker 4 (01:31:10):
Brand new bridge stones, and I needed four new ones
because they discontinued support for the bridge stone and I
couldn't repair one of them.

Speaker 1 (01:31:18):
Period. I wouldn't get into the nail or anything.

Speaker 4 (01:31:21):
Then I'd say they agreed to reimburse me, which they did,
and everything was fine until the next day they put
it back on my card. It's that simple, because then
then these people, then these people would have to say,
wait a minute, we didn't agree to that, but then
they did because you have proof they took it off
your card the first time, but then put it back
on the next day.

Speaker 1 (01:31:42):
So you have a really good paper trail.

Speaker 5 (01:31:45):
Yes I do.

Speaker 1 (01:31:46):
So you hang on Wade.

Speaker 4 (01:31:48):
Will you hang on bro And we're going to help
you out three oh three seven to one three eight
two five five. We have more coming up on the
Troubleshooter Show, and I urge you to get your calls
in if you need help.

Speaker 1 (01:31:57):
Kind of like this.

Speaker 4 (01:31:58):
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(01:32:41):
Time for an insurance checkup free no obligation. In comparison,
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of insurance companies find out Now three oh three seven
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when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two year old sixteen twenty two Tom marks

(01:33:08):
you know you're Jay.

Speaker 1 (01:33:09):
You have a comment on this tire issue with Wade.

Speaker 4 (01:33:13):
He had four run flats, one went bad and oh
Jay hung up.

Speaker 1 (01:33:19):
I'm sure to fill out.

Speaker 4 (01:33:20):
Sorry Jay, Jay, you can call back if you'd like,
but listen, this is the problem with run flats. If
you buy a new car, negotiate to have him taken off.
A run flat is for convenience and is for girly girls.

Speaker 1 (01:33:36):
It's for I'm just.

Speaker 4 (01:33:37):
Kidding guys, but it's like, when you get a flat,
you can drive anywhere. You can drive under fifty miles
an hour and fifty miles fifty to fifty. That's it.
It's not meant to run flat forever. It's run to run.
It's made to run to the neck, to the store.
So it all it does is keeps you from having
to jack up and putting on a spare that's all

(01:33:59):
it does, or calling triple A.

Speaker 1 (01:34:01):
I'd rather call triple A okay.

Speaker 4 (01:34:04):
And if it's a regular tire, you can fix it
ninety percent of the time. If it's a run flat,
you can't fix it ninety percent of the time. So
if your run flat has five thousand or under, you
can replace it. If your run flat has more than

(01:34:27):
five thousand miles, you have to buy all four of them.

Speaker 1 (01:34:31):
Now, I swear to God, that is what you're buying.

Speaker 4 (01:34:34):
When you buy a run flat, you're buying a peck
of trouble. And that trouble means a two thousand dollars spare,
excuse me, a flat, a two thousand dollars flat. You
buy it once and then you get a flat. You're screwed.
It doesn't matter where it is. They can't repair them.

(01:34:54):
They won't, I say ninety percent of the time.

Speaker 1 (01:34:56):
They won't repair them.

Speaker 4 (01:34:57):
Even technically the manufacturer says you can't repair them at all,
but some places will at least attempt to repair them.
If the damage is a puncture, not a tear, but
a puncture from the in the main tread area.

Speaker 1 (01:35:16):
They will not go up the side. Ever, So if
you have a.

Speaker 4 (01:35:21):
Puncture in the main tread area, some shops will repair
them and there's nothing wrong with it, even though they
say they shouldn't be repaired. You can plug those suckers
just fine. And that's what I would do. But if
you get any kind of a flat outside of the
tread area, you're looking at buying four new tires unless

(01:35:43):
you have less than five thousand miles on them. Now,
there are people who will say right now, and they'll say, well, Tom,
you can always buy a new run flat for the
one that you flatted and shave it down to match
the other three. Yes, that can be done. Very few
people do that. Tire shaving, very few people do it.

(01:36:06):
What you're doing is buying a hassle. It is a
big hassle. Three h three seven to one three talk
seven one three eight two five five. I'd like to
know if any of my deputies have any follow ups.
If not, I'm going to go to some very important
things I wanted to discuss.

Speaker 1 (01:36:24):
Now, this should be obvious. I think it should be.

Speaker 4 (01:36:31):
How many times either a venmo or a store, a menu,
park bench you've seen a QR code and you scan it,
you don't think two things about it. A QR code
for a menu pretty easy. You scan it, you get
a menu. If you're at a reputable restaurant, nothing to
worry about. But let me explain what some people are doing.

(01:36:56):
They're putting QR codes over the one in the restaurant
of their own. It still brings up the menu, so
you're not suspicious, but it also plans a virus on
your phone or spywear, or you may find somebody unscriptless.
Let's even say a valet guy and he has a
Venmo for his tip. I venmo people for tips where

(01:37:18):
they send you a pay request. What you don't understand
is they can alter that QR code to do two things,
one to take you to their Venmo, but the second
one is to install spywear. So you pay the guy
ten bucks and a few weeks later, five hundred dollars
shows up going to somewhere. So QR codes I love them,

(01:37:43):
but when you scan QR codes that have been manipulated
or from people or things you don't trust, you can
find some serious trouble on your phone.

Speaker 1 (01:37:54):
It's the new.

Speaker 4 (01:37:55):
Way they're getting these viruses on your phone, you are
voluntarily doing it. In fact, there are park benches and
there are like advertisements all over the place that carry
QR codes. You never know whether those QR codes are
safe or not. Now, obviously, if you're inside a Nordstrom

(01:38:17):
and you see a QR code at the jewelry counter,
you know, most likely you know you want to read
about that piece of jewelry it's going to be fine.
Or you're at a restaurant and you look at the menu,
or or you want to Venmo the guy park in
your car a tip. Those con related and then especially
strange ones like I know that Dragon likes to scan

(01:38:39):
the QR codes in the men's room, but you can't
do it. It's not safe. You could pick up a virus. Well,
actually there's world that's a double entire you're gonna take
up way warning a virus.

Speaker 1 (01:38:50):
Yeah, but boom.

Speaker 4 (01:38:52):
Anyway, we got more more And I'm just kidding about
about him scanning the QR codes. He usually just copies
down the numbers from the crayon three oh three seven one,
three eight two five five Go with a sure thing
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(01:39:12):
a cent until you're content than time for an insurance
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paying too much your coverage at dozens of insurance companies
find out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank
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(01:39:33):
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey Tom Martino here, Welcome to the show.
Three oh three seven one three talk seven one three
eight two five five. Remember call with problems question you

(01:39:55):
can place for getting to the end of one hour,
have another hour of the third hour, have another hour
to go.

Speaker 1 (01:40:00):
And I want to talk about stocks. We talked about
a little.

Speaker 4 (01:40:04):
Stocks are down and a lot of that is anxiety
over tariffs, bottom line. And I wanted to just mention
this when it comes to influx in the market and
x flux if that's the word, exodus out of a market,
you have movement in stock no matter what. If you sell,

(01:40:27):
you cement your loss. It's not wise to do unless,
of course, let's put it this way, we're in such
a free fall. The entire country's failing and it's a
major recession. But that's not happening. And the way you
know that are the other fundamentals. You look at inflation,
you look at unemployment, you look at production. There are
things called lead and lag indicators. What you want are

(01:40:50):
the lead indicators and leading indicators tell you what the
economy is doing.

Speaker 1 (01:40:56):
And right now, our leading.

Speaker 4 (01:40:57):
Indicators are positive, okay, and then our currents, however, indicators
are not so positive because of anxiety over terrists and
what could possibly happen. That falls under the topic of perceptionomics. Now,
perceptionomics can make people move in and out of markets rapidly.

(01:41:20):
People cement their loss and then they're out. Some people
look for opportunities. Those are the wise ones, because when
you have a lot of money going to cash and
people selling, you have deals with stocks. Right now, Walmart's
a great deal. It's a great deal, and don't try
to time the bottom. You can buy a little now

(01:41:41):
and if it goes down by a little more and
you do what's called dollar cost averaging. But most people don't.
Most people buy it on the way up. That's not
the way to do it. So now's the time to
be buying quality stock and staying put. If you have
some losses in a regular stock, don't sell the buy.

Speaker 1 (01:42:00):
Don't sell your loss to buy one on sale. You've
just traded dollars.

Speaker 4 (01:42:05):
The other thing, when you have a lot of cash
outside of the market waiting to come back, as soon
as indicators look better, they start coming back, and that's
when you get the ones you bought on sale to grow.
So it takes a lot of sophistication. You don't just
buy and sell a knee jerk. And it was Warren

(01:42:27):
Buffet who says when everyone else is feeling bold, he's cautious,
and when everybody else is cautious, he's bold. I mean,
that's not the exact quote. I guess I can find
it if I need to. So I want to say
all this that truly, and I mean this sincerely. If
you have anxiety, money anxiety, if you want to talk
and consult with us, where be happy to do it,

(01:42:48):
free of charge, no obligation. I swear to you when
I say that, I mean it. We have people now
that we're helping under no obligation whatsoever, that call us
and email us all the time for advice. So if
you want to do that you can call us at
three oh three seven seven to one help three oh
three seven seven one four three five seven.

Speaker 1 (01:43:08):
And I'm talking specifically about Wave eight.

Speaker 4 (01:43:10):
Wealth Management, my company, and you can text me personally
on this Google number seven four seven.

Speaker 1 (01:43:19):
Baby.

Speaker 4 (01:43:20):
That's the text for the show seven four seven fifty
two eighty And I'd love to talk to you speaking
about that. Somebody says it text me here is QC
Colorado is still a good company to buy an attic
or whole house fan. First of all, it's a whole
house fan and QC Colorado is a great company.

Speaker 1 (01:43:40):
Now, it's not the only company that sells the quiet
cool whole house.

Speaker 4 (01:43:44):
Fan, just so you know that they're not the only company,
but they specialize in it. So I like them because
they do specialize in it. And these whole house fans,
you cannot go wrong with them. You just cannot go wrong.

Speaker 1 (01:43:57):
You need to have it.

Speaker 4 (01:43:59):
It it It destratifies the air in your home, and
that's very, very important. So you destratify the air you
even out to temperatures so your HVAC works less. It's
only really to be used in the summer. Sometimes you
can use it and get away without using air conditioner
much of the time. I do that myself. Now, the
only caveat is this. If you have a whole house fan,

(01:44:21):
you must make sure your attic is well ventilated so
it can take the air coming out of the hot
air out of your home and expel it through the attic.
But remember, the whole house fan is not an attic fan.
The whole house fan is a whole house fan. An
attic fan is completely separate that ventilates your attic. Sometimes

(01:44:44):
you need it, sometimes you don't. But having one without
the other is foolhardy. Okay, we got another hour to
go three oh three seven to one three you talk
three oh three seven one.

Speaker 1 (01:44:52):
Three eight two five five.

Speaker 4 (01:44:54):
Stick around for more on the Troubleshooter Show. Go with
a sure Thing Denver's best roofer Excel Roofing dot com.

Speaker 1 (01:45:05):
You don't pay a cent until you're content.

Speaker 4 (01:45:11):
Time for an insurance check up, free no obligation comparison
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the Real Estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two rift of.

Speaker 1 (01:45:39):
You needed, so you don't have come run incous.

Speaker 2 (01:45:45):
As fast as we can, Shooter's gonna help come man.

Speaker 1 (01:45:51):
This is the Troubleshooter Show.

Speaker 18 (01:45:54):
No Tom Martine, Hello Tom mart You know here three
O three seven to one three talks seven one three
eight two five five, The show that.

Speaker 4 (01:46:04):
Talks about everything, the everyday aches and pains, the things
that make you tick, the things that tick you off.
Proud to be doing it for nearly fifty years forty
five in Denver and actually fifty years or more outside
of Denver. But we're here and that's what counts. To
solve problems, answer questions, and take complaints. So Rod is

(01:46:25):
next on the agenda. Here, I have all my deputies
standing by to help people ask. Where deputies come from, Well,
usually they're on daily from prison, but we let them
work with us, just kidding, of course. They're good people,
retired executives, people in business, doctors, lawyers, accountants.

Speaker 1 (01:46:43):
We don't hold that against them. Rod. What's going on
with you? You have a question?

Speaker 9 (01:46:48):
Yeah, I do. Thank you for taking my call. First
of all. I heard you talking earlier about ten minutes
ago about finanswers and what to do with money in
the stock market. I have a little over seven hundred
and fifty thousand in cash, if you will, and you
were talking about, you know, getting back into the market,
makes sure you pick the right stocks. But is it?

Speaker 5 (01:47:08):
So?

Speaker 1 (01:47:09):
Where is it right now? Rod? Where is it right now?

Speaker 9 (01:47:12):
I've got it split between two locations. One is a
bank and the other is a savings alone.

Speaker 4 (01:47:21):
Are you getting any interest or returned at all?

Speaker 9 (01:47:26):
A little bit? Not nearly what I should be getting,
And that's why I need to do something with it.

Speaker 1 (01:47:30):
And I'm really okay.

Speaker 9 (01:47:32):
Is our individual stock the right move or would you
say no? We could talk in depth funds and things
like that.

Speaker 4 (01:47:41):
Well, I'm going to tell you in general, sure, Rod,
No matter what, no matter what you want return And
depending on your time horizon, you want a little bit
of risk or a little more risk, never a lot
of risk.

Speaker 1 (01:47:54):
What age? How old are you?

Speaker 9 (01:47:57):
Sixty two? But I'm not really risk adverse. I'm not
stupid either, but I'm also no.

Speaker 1 (01:48:04):
No, I understand uptight. Okay.

Speaker 4 (01:48:06):
Now, Now here's what's really important, Rod, really important?

Speaker 1 (01:48:10):
Do you have an emergency fund. Oh yeah, okay, so
that's seven point fifty is extra above your emergency fund, right, yeah,
we did.

Speaker 9 (01:48:23):
This is money. I hate to say it like this
because it sounds arrogant, but it's play nine. If God
we can kind of play with it.

Speaker 4 (01:48:30):
No, No, Rod, I Rod, I get you. I get
what you're saying. I always advise people when they come
to Waveight Wealth Management, the very first thing we do
is to make sure they have an emergency fund, a
contingency fund for unforeseen events. The second thing we tell
them to do is to pay down high interest debt
because obviously I knew a girl one time who had

(01:48:50):
one hundred thousand invested in the market, and she had
one hundred thousand in high interest debt and she was
so I said, do you understand when you're paying eighteen
percent in debt and you're making eight or nine percent
in the market, you are net negative every month. I mean,
you're not making money. So you do away with high
interest debt. And I know, Rod, you're probably more sophisticated

(01:49:11):
than this, but I mentioned it only because other people
are listening. So you make sure you have your emergency fund,
your high interest debt. You have then play money or
investment money. What you need to do is get some
kind of return. Bank accounts are stupid, So the very
first thing I always recommend for people who are risk
adverse is a T bill account.

Speaker 1 (01:49:28):
You'll never go wrong with Treasury bills never.

Speaker 4 (01:49:31):
The only risk you get is the risk of losing
upside potential. So I would definitely secure some kind of
income fund like that, or even a Schwab account that
pays about five or six percent a year, just to
sit there. Once you do that, then you take a
look at investing. Now, I'm not going to tell you
not to invest individual stocks. I'm going to use Mark

(01:49:52):
Major as an example. He's a good and bad example.
What I mean by that is not many people can
do what he does. I'm going to give you him
as an example. If Mark Major comes to us for
wealth to Wave eight Wealth Management, and he tells us
what he's been doing, and we look at what he's
been doing, we probably wouldn't be able to help him.

(01:50:12):
The reason is he babysits his accounts like a babysitter,
and he invests in stocks, and he buys and sells.
He has different hold times in other words, he is
his investment advisor. He does a lot of research. Sometimes
he does some knee jerk reactions. Sometimes they work, sometimes
they don't. But that's the way he is. Those kinds

(01:50:35):
of people who like doing that we don't compete with.
We don't try to the next kind of person we
don't help are people who have a business and they're
building that business to be taken over by private equity.
Every penny they have goes into that business. It might
be home improvement, it might be hvac, it might be plumbing,
it might be something.

Speaker 1 (01:50:54):
But what they do is they build up that company
and sell it.

Speaker 4 (01:50:58):
And how can I tell them don't put your money
in that when they end up selling for twenty million
or thirty million. Obviously, those kinds of people we can't help.
Unless they have children, they want to set up accounts
for stuff like that, we can help them.

Speaker 1 (01:51:13):
Okay, So then there are people like you and me.

Speaker 4 (01:51:17):
We have money, but we wonder what to do and
for that rod you need an investment advisor. Now do
I have a personal interest in saying that while I
own Wave Wealth Management. Let me explain something to you.
There's no before it was Wave Wealth Management. It was
Wave Wealth Management, and I was the only client. I
formed the company specifically to do research and to help

(01:51:40):
me know where to invest and when to invest. And
I personally didn't want to babysit it. So I formed
this with people for me. I literally formed it for me.
And in the beginning, because it was just me, the
way I did it was paid them a performance fee
for everything they made me.

Speaker 1 (01:51:56):
They got a portion of it. Literally they got fifty
percent of it.

Speaker 4 (01:52:00):
Then, when it was very successful, about eight years later,
I went public with it and became a registered advisory
firm with a securities division, so we are a real firm.

Speaker 1 (01:52:12):
And then I took on other clients like me.

Speaker 4 (01:52:15):
So when you asked do we have an individual stock,
do we have an individual of this or do we
have accounts?

Speaker 1 (01:52:20):
It depends on the investor.

Speaker 4 (01:52:22):
With some investors, they have stocks, they have bonds with
tax free income, and they have ETFs exchange traded funds,
which are funds that track certain indexes.

Speaker 1 (01:52:34):
For others, we have just ETFs. For others we have
just bond.

Speaker 4 (01:52:38):
They're only getting income and they're getting a little growth,
but the main thing they want is income. So truly,
broad truly, we customize every single client what ninety eight
percent of all advisors do. Ninety eight If you give
that not money, they're going to shake your hand round.

Speaker 1 (01:52:56):
They're going to say, Okay, what's this, what's this? What's this?

Speaker 4 (01:52:59):
They ask you a bunch of questions, and I promise
you they take that money and place it with a
giant investment firm and they never look at it again.
They don't know anything about you or your account, but
they make a spread for doing that. They are basically
just middlemen and the big guys. When you call and

(01:53:19):
say to your middleman, hey, I noticed my stock is
down or my account is down three percent this month.

Speaker 1 (01:53:26):
But the whole stock market's up. Why is that happening?
No one can tell you.

Speaker 4 (01:53:32):
They go to the giant firm and they say, to
the giant firm, can you tell me about Rod's money?
And they say, what do you mean Rod's money? Because
Rod's money is in a giant pool of other rods.
So that's what you get ninety percent of the time
when you go to a financial advisor. Other times you
go to what I call pill pushers. They push insurance,
they push annuities, they push certain funds because that's where

(01:53:56):
they're making their money.

Speaker 1 (01:53:57):
Is it best for Rod? It might be.

Speaker 4 (01:54:00):
I mean I have seen too many of these products
pushed because people are working for companies and they're being
told to push things. So when you ask me what
I do individual stocks or stock funds, the question would be,
after about a half hour meeting with you, we'd be
able to tell you what you think what you should do.

Speaker 1 (01:54:17):
And that's the real truth of it. There's no sexy answer.

Speaker 4 (01:54:20):
There's no answer that says, yeah, we'll take care of
you and you're gonna make.

Speaker 1 (01:54:25):
Lots of money.

Speaker 4 (01:54:26):
You know, Sometimes you make lots of money, sometimes you
make a moderate amount. What you shouldn't do is lose indiscriminately.
You lose when the market's down and there's nothing you
can do about it with volatility, but you still position
yourself defensively so you can at least preserve most capital. Now, again,
different strokes for different folks, And anyone who has a

(01:54:48):
pad answer is never ever ever being honest with you.
Never never, And that includes no matter who it is.
If they're selling one thing, avoid the one thing. If
they're only selling.

Speaker 9 (01:55:00):
One thing, done it, okay?

Speaker 1 (01:55:03):
Anything else run?

Speaker 4 (01:55:05):
I mean, I didn't mean to preach to you, but
but I'm so tired. I'm really tired of the industry.

Speaker 9 (01:55:10):
No, no, that's fine. You know I called, I asked
the question and you gave me an answer. That's great.
I The only thing I would ask is can you
spell the name of the company because my hearing kind of.

Speaker 4 (01:55:21):
Blows wave as in ocean waves. Wave eight the number eight.
So if you just if you just go to the
website Wave eight Capital dot com the number eight, you'll
get to us. You can also call me or you
call us and leave a message at three oh three
seven seven one help, So it's easy, seven seven one help.

Speaker 9 (01:55:43):
That's great. You're right. I got to do something with
the money, because you're right. Be when I make you
know off of it? Is it?

Speaker 1 (01:55:49):
Yeah? And get hearing aids. One thing you want to do.
Get hearing aids. Rod.

Speaker 9 (01:55:54):
I hate to say this, but I have them, but
I really don't like wearing them.

Speaker 1 (01:55:57):
And my wife, you know what, I have them too,
and I don't like. I think you have the same
problem I have. Rod.

Speaker 4 (01:56:02):
It's probably not the actual hearing, but don't you have
words that get jumbled when.

Speaker 9 (01:56:08):
I'm in a crowd of people. They just don't yep.
If I'm not in the crowd of people, I'm better off.

Speaker 1 (01:56:15):
But they have way better that.

Speaker 4 (01:56:16):
They have some really good technology now, really good technology.
But I don't wear mine either, and I don't know
why they're they're pain in the ass, But I will
tell you this. They make some now I hear that
can distinguish words, and I think that's what I need
more than anything. Is not so much the hearing of sound,
but the distinguishing of the different sounds. When people start talking,

(01:56:40):
it's almost like they're mumbling. And then there are some
that specifically cancel out the background noise, you know, kind
of like headsets doing airplanes and helicopters. They're called noise
canceling and they can cancel out the noise you don't
want to hear, and you can hear only the stuff
you want to hear. It's really remarkable stuff. And I

(01:57:01):
think on the outside, for the best you can buy,
you're looking at maybe six grand for the pair, and
sometimes you get him down to four grand.

Speaker 9 (01:57:09):
So I got mine at four thousand. And what I
can do with the pair that I have is you
can upgrade the software to do exactly what you're talking about.
So I have middle software, so to speak, but you
could go like a couple more higher that, you know,
you can do all sorts of fancy things with. I
just haven't got to that point yet.

Speaker 1 (01:57:29):
So what is your what is the brand of the
ones you have.

Speaker 9 (01:57:34):
There? You go, I take it they're good, they're you
know something, okay either way? Either way, I can upgrade
the software that takes some of the cant more of
the noise out of the background and does this and
does that. Yeah, yeah, I just you know what, I
haven't gotten tired of saying that again, I can't hear you.

Speaker 1 (01:57:57):
Yeah, I know it, I know it, I know it.
My wife gets tired of it.

Speaker 4 (01:57:59):
So but listen, man, Rod, listen to this. Give us
a call seriously or text me and we'd be happy
to talk to you. And you know you can text
me on this private line right here. Seven four seven
nine nine fifty two eighty. That's seven four seven nine

(01:58:20):
nine nine Okay, cool, Yeah.

Speaker 1 (01:58:22):
We'll see you, bro. Take it easy. We got all right, man.
We got more coming up on the Troubleshooter Show.

Speaker 4 (01:58:33):
Go with a sure thing Denver's best roofer Excel Roofing
dot Com.

Speaker 1 (01:58:37):
You don't pay a cent until you're content.

Speaker 4 (01:58:40):
Please time for an insurance check up free no obligation
comparison call Compass Insurance Paying too much your coverage at
dozens of insurance companies find out now three oh three
seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with remax Align three
all three nine two zero sixteen twenty two. Hey Tom

(01:59:09):
Martino here three all three seven one three talk seven
one three eight two five five.

Speaker 1 (01:59:16):
So key bills right.

Speaker 4 (01:59:19):
Now, it's interesting to talk about very safe T bills.
The four week is four point three two percent. So
once you get in on the auction and you buy
the t bills, they say in your account for four
weeks and guarantee four point three two. Once you buy
it at four point three two, if you buy a higher,
stays higher, if you buy a lower, stays the lower,

(01:59:41):
and it stays for the period of time you buy it.
An eight week pays a little more four point three
four thirteen week is four point one nine. Now that's
what I find very odd. I just don't even understand this.
That's so when you're talking about a thirteen week a
thirteen week T bill three months as opposed to an

(02:00:01):
eight week, and the longer one pays less. They're telling
you that they believe that rates are going to.

Speaker 1 (02:00:10):
Be going down. That's what they're telling you.

Speaker 4 (02:00:12):
Listen to this, a twenty six week T bill that
six months only pays four percent. You actually make more
money with short term than long term whenever you have
an inverse curve like that. They are saying that rates
are going down, that's what they're saying, and they can't compete.

(02:00:34):
So for fifty two weeks, they're only going to pay
you four point two. Now, why would anyone go into
a fifty two week T bill at four point two
when they can just revolve the four week at four
point three. Still, you keep revolving them and it automatically
buys back. It's really a good tool. And I put
some of my money in that. So that's the most

(02:00:55):
recent auction data on that. Now another question we have gotten.
Let me get to this, because I really was fascinated.

Speaker 1 (02:01:05):
Everyone is. Everyone is blaming.

Speaker 4 (02:01:09):
Donald Trump for the egg prices, and they were on
their way up way before he got into office. It's
not it By the way, it's not Biden's fault either.
The avian flu, the bird flu, really has taken a
toll on the bird population, so there are fewer hens,
fewer eggs, and higher prices. The virus is unpredictable. Unpredictable, Okay,

(02:01:34):
So you have the anxiety in the market as well,
which which affects the commodities, which affects the end price.
Then you have the feed costs has gone up dramatically
because partly because of climate issues.

Speaker 1 (02:01:49):
Now I'm not talking about climate change.

Speaker 4 (02:01:51):
I'm talking about the fact that we've had some droughts
and stuff and some issues growing corn. There has been
a glowbal demand for corn, especially from China. Our prices
right now are at an all time high for feed
fuel and fertilizer.

Speaker 1 (02:02:09):
Fuel. That's just in and of itself.

Speaker 4 (02:02:12):
Diesel prices are up, so transporting eggs and transporting chickens higher.
Now there is a reduced flock size, partly because of
that virus I talked about, but also because of this
demand of cage free.

Speaker 1 (02:02:29):
A lot of people.

Speaker 4 (02:02:32):
Are driving prices up because they're demanding cage free and
they just can't do as many chickens cage free as
they can in cages. So the humane movement, while I'm
all for it, it does raise prices.

Speaker 1 (02:02:46):
I'm willing to pay that, you know, But if you.

Speaker 4 (02:02:49):
Want to know, that's part of it too. Another one
is the perceptionomics of it all. As these supplies get
lower and prices get higher, it actually raised demand under
the perception we better buy now. Now you can't stock
up eggs like you need toilet paper, but you can
a little.

Speaker 1 (02:03:08):
And people have been buying.

Speaker 4 (02:03:10):
Up eggs as soon as they find them, and that
means demand is staying very steady or even increasing slightly.
Then you have normal inflationary pressures, so that means the packaging, labor,
the energy, all of that stuff is going toward with
the egg producers the cost of doing business. Then you have,

(02:03:31):
of course the normal retail markups. I mean, people are
going to sell money, so you have you have all
of those factors going into it.

Speaker 1 (02:03:41):
It's a perfect storm.

Speaker 4 (02:03:44):
Now regulations are going more toward humane farming practice in fact,
and I don't think that's a bad thing. I'm not
saying it as a good or bad thing. That means
you're going to see production costs go up even higher
because infrastructure is going to be changed completely. So in
summer you have the flu, you have the society of

(02:04:08):
consumer demand and slow recovery in there in the UH.

Speaker 1 (02:04:13):
In the food chain.

Speaker 4 (02:04:14):
As well, it takes a long time to get your
flock rehabilitated when you had a b on flu. Man,
that's pretty complicated, Isn't it all because of eggs?

Speaker 1 (02:04:26):
It's just uh, it's just such a commodity that people love.

Speaker 4 (02:04:31):
And by the way, contrary to what people used to
say about eggs being unhealthy, they're not. You can eat
all the eggs in the world. It's not going to
raise your cholesterol. You don't eat cholesterol that does. That's
not what causes cholesterol. In fact, eggs are probably the
most perfect food because it is in and of itself
a cell. You have the yolk in the sack, and
you have the nutrition within itself, the fat it probably

(02:04:55):
exists with the protein. The protein, fat and UH content.
You have a perfect blend, and eggs are almost perfect food.

Speaker 1 (02:05:05):
Kate, what's going on with you? Kate? Welcome to the show.

Speaker 19 (02:05:08):
Hi Tom. I'd like to make just a quick comment
before I ask my question in terms of all the
layoffs and the firing. No one has mentioned that. I've
heard about the cost of unemployment, which is going to
be pushed off into the States. When your employee's become unemployed,

(02:05:31):
they're eligible for unemployment insurance for up to a year
eighteen months, and so that is really going to be
I think, an expensive offset to all the layoffs and
what they're supposed to you.

Speaker 4 (02:05:44):
You know, you know, I never even thought of that, Kate.
I really haven't. But you're absolutely right. Not only do
you have the sting of being unemployed, but now you
have the states picking up that burden because it is
a state program.

Speaker 1 (02:05:58):
That's right, That's right, Yeah, you're right out there now.

Speaker 4 (02:06:01):
Now. I don't anticipate I don't anticipate the unemployment of
the federal workers having that much.

Speaker 1 (02:06:09):
Impact.

Speaker 4 (02:06:10):
I mean, I feel sorry for them, and maybe you
know it's too bad, but I don't see them alone
putting too much pressure.

Speaker 1 (02:06:20):
There's not that many of them.

Speaker 19 (02:06:22):
Well, I mean, there's fourteen thousand employees not laid off
ones right at the Federal Center. Not to mention all
of the buildings that they want to close, and who's
going to release those buildings? Who wants to be in
those old buildings. I mean, you know, so that's just
a comment.

Speaker 1 (02:06:40):
But you're right.

Speaker 19 (02:06:41):
Let me ask the rooping question, right, And I'm asking.
I've waited to ask this because I really want your
true opinion, not a sales roofing issue. I have seen
in my neighborhood. We are all of our homes are
approaching ten years old. Okay, a lot of people are
putting on one layer of shingles. What I would like

(02:07:04):
to know is does that extend the life of your
current roof without having to go out and get a
whole new roof or build insurance for it. You just
put on one new layer. What do you think?

Speaker 1 (02:07:18):
So you're I want to make sure I'm hearing you right.

Speaker 4 (02:07:22):
So people approaching ten years are putting a layer over
their old layer?

Speaker 19 (02:07:28):
Yes, yes, and I'm assuming that they don't have existing
damage or anything that you would be covering up. But
will a new layer of asphalt on top of your
current roof give you five ten more years?

Speaker 1 (02:07:43):
Okay?

Speaker 4 (02:07:43):
I'm going to say first, I want to ask a question.
Are they doing this as a result of storm damage?

Speaker 1 (02:07:52):
We really have not.

Speaker 19 (02:07:53):
We live in Windsor Fort Collins.

Speaker 1 (02:07:57):
Why after ten years though?

Speaker 4 (02:07:58):
Here's what I'm asking why after ten years would they
be doing anything, is what I'm asking.

Speaker 1 (02:08:04):
Why are they doing.

Speaker 4 (02:08:05):
That because your roof's not even close to being old
at ten years, right?

Speaker 19 (02:08:10):
I think it's just to avoid the insurance hits.

Speaker 4 (02:08:13):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 1 (02:08:17):
You don't pay a cent until you're content.

Speaker 4 (02:08:23):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one help. You'll think you're his only customer
when you choose Frank Durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino

(02:08:54):
here three oh three seven one three talk seven three
two five five. Mark Major called in with a comment,
go ahead, Mark, Hey, I just.

Speaker 12 (02:09:01):
Gotta, I gotta, I gotta let everybody know something. There
is no way I'm going to allow disinformation. What that
woman said about unemployment couldn't be more wrong. It's a
lib card talking point, not saying she's intentionally lying. But
if you are a federal government employee and you get

(02:09:22):
fired and you were on any form and I mean this,
any form of unemployment. Yes, the state pays out, but
the federal government one hundred percent rein versus the state.
So don't listen to all the bs out there.

Speaker 4 (02:09:38):
Okay, Mark, thank you for that. I did not know that.
I know very little about unemployment. So you're saying that
it's a federal born cost.

Speaker 9 (02:09:47):
Not the state and SNBC and everything.

Speaker 4 (02:09:51):
Okay, thank you, Mark, appreciate it. Kate back to you
on the roofing. Okay, let's talk about this roofing here.

Speaker 19 (02:09:58):
Here's the state. Where is savings if the federal government
has to pay for the laid off workers, where's the
savings that they.

Speaker 4 (02:10:06):
Think, Well, because it's eventually going it's eventually going to end.
Because it's eventually going to end. It's like a severance,
it's it's you know, and I'm.

Speaker 1 (02:10:15):
Happy that they have it.

Speaker 4 (02:10:17):
But that's where that's where the savings comes in after that,
and unemployment is not one hundred percent of their compensation anyway.

Speaker 19 (02:10:26):
Right, Okay, so what are your roofing Okay, now, I'm
very curious now.

Speaker 1 (02:10:30):
On the roofing. On the roofing. I'm just going to
say it like it is.

Speaker 4 (02:10:34):
There is no viable reason to cover up a ten
year old roof, none.

Speaker 1 (02:10:39):
Zero.

Speaker 4 (02:10:40):
It extends no life for anything. It simply it simply
gives you the life of the new roof.

Speaker 1 (02:10:45):
Okay.

Speaker 4 (02:10:46):
Now, one of the reasons people cover up roofing is
to save money. Meaning if you had a hailstorm, you're
allowed to cover it up twice. You're allowed to have
three layers of shingle in most municipalities, however, and it
does no harm to have them, and then eventually you
strip it down to nothing and start over. Some municipalities

(02:11:07):
don't allow that. Some roofs don't allow it, be structural
the way they're built. But if your roof can take it,
then people stack a roof to save on the cost
of tear of tearing it off to start over. But
as far as your neighborhood with no storm damage, I
can think of no reason in the world why people

(02:11:29):
are covering up one layer of good roofing.

Speaker 1 (02:11:32):
I have no idea.

Speaker 4 (02:11:33):
And it's either some roof or going door to door
ripping them all, or somebody gave them bump information.

Speaker 1 (02:11:39):
There's no reason to do it.

Speaker 19 (02:11:43):
Okay, okay, yeah, I think people are just.

Speaker 4 (02:11:46):
And by the way, and yeah, well, I mean if
they first of all, they should need nothing on a
ten year old roof. There's something terribly wrong if their
roofs are failing. And if they are failing at just
ten years old. If you have failing roof, you don't
cover it up, You take it off and start over.
The only time you put you the only time you
cover up a roof is when you have hail damage,

(02:12:08):
and it's not failing. Hail damage doesn't always mean a
failed roof, it doesn't always mean leaking, it doesn't always
mean problems. And even when you do cover up a
roof you have to make sure the roof underneath is viable.

Speaker 19 (02:12:22):
Makes sense, Okay, yeah, it.

Speaker 1 (02:12:25):
Really does, and I wouldn't waste any money. Thank you, Kate.

Speaker 4 (02:12:29):
I appreciate you calling really three oh three seven one
three eight two five five Andrew, what is your what
is your question on college invest.

Speaker 5 (02:12:39):
I was just wondering i'd get a five twenty nine
plan for my children and as well, Yeah, you always
have to go through like a broker to purchase that,
because I think they're they're they're making a fee on
the purchase and then they're making a fee on this.

Speaker 4 (02:12:56):
Well yeah, yeah, but no matter what, no matter what
they make, one of your money is invested. No matter
what fee they pay out, they don't take it out
of your money. But you can go directly to college
invest dot org. That's what I did when I got mine,

(02:13:17):
and a five point twenty nine plan.

Speaker 1 (02:13:19):
It does. It's it's not a bad idea. It's just
not bad. But in fact, some of them are even
doing apprenticeship and community colleges with it.

Speaker 4 (02:13:29):
They're really opening up. And if you're in Colorado, then
I would say college invest is what you want.

Speaker 1 (02:13:36):
And and that's not a broker.

Speaker 4 (02:13:38):
College invest dot org is not a broker, okay. And
you can open up an account and what you already have?
How many accounts do you have?

Speaker 5 (02:13:53):
Just one?

Speaker 1 (02:13:55):
Okay? Well it's a good plan because it grows, as
you know, and the only time you pay tax on
it is if you don't use the money for education.

Speaker 5 (02:14:09):
I see, okay, apprecire.

Speaker 1 (02:14:12):
And so how much do you have in one right now?
How much do you have in one?

Speaker 5 (02:14:17):
About forty five thousand?

Speaker 1 (02:14:21):
That's very good.

Speaker 4 (02:14:22):
You're going to earn a lot of money in that
and you got a deduction, didn't you going in? Did
was that pre tax money?

Speaker 5 (02:14:29):
Yes?

Speaker 1 (02:14:31):
Good, So you get pre tax money. It's growing tax
free and you can take it out tax free for college.
So what has your rate of return.

Speaker 5 (02:14:41):
Been believe over the life it's been about fourteen percent?

Speaker 1 (02:14:50):
Again, Wow, that is pretty damn good. That's real.

Speaker 4 (02:14:56):
And that's taken into consideration your your tax savings.

Speaker 1 (02:14:59):
Right, yes, yeah, when will you be using that money?

Speaker 5 (02:15:08):
My kid's still probably of another eight years before they'll
be out of high school.

Speaker 1 (02:15:15):
So you know what you got it? Man?

Speaker 4 (02:15:20):
You know now the only benefit that the only other
thing you can do. And you mentioned kids plural and
you have one account. You can have accounts for each child,
which would allow you more minimums, I mean, if you
wanted to, but if you're maxed out anyway, it.

Speaker 1 (02:15:35):
Doesn't matter absolutly.

Speaker 5 (02:15:39):
All right.

Speaker 1 (02:15:40):
But you did a.

Speaker 4 (02:15:41):
Good thing, man, No, no, you really did a good thing.
And especially especially if they go in in state colleges,
that's going to go a long way. And wait, you
see how much that grows by the time they're ready
in eight years. This is what This is a really
good thing that Colorado has. And again other states have
their versions, but we have one of the best.

Speaker 1 (02:16:03):
So you're you're in a good place.

Speaker 5 (02:16:07):
Can they use that for like the the room and
board or is it just.

Speaker 4 (02:16:12):
Yes, yes, Nope, Nope, they've expanded it dramatically.

Speaker 1 (02:16:17):
You can use it for any direct school.

Speaker 4 (02:16:19):
Related Now now they they're gonna ask you, but you
get to do it and then the consequences they they
they audit you if they.

Speaker 1 (02:16:26):
Think is wrong. But it's pretty liberal on what you
can use it for. Pretty liberal.

Speaker 4 (02:16:32):
Now if you go to a college, if you go
to the website collegeinvest dot org, it'll tell you what.

Speaker 1 (02:16:39):
Is allowed for everything.

Speaker 4 (02:16:42):
And it's, like I said, it's really been expanded.

Speaker 5 (02:16:48):
Okay, I.

Speaker 4 (02:16:51):
Think you're in the right track. Yes, sir, thank you
for calling. Three h three seven one three eight two
five five Go with a sure thing Denver's best rufer
excel roofing dot com.

Speaker 1 (02:17:02):
You don't pay a cent until you're content.

Speaker 4 (02:17:07):
Time for an insurance checkup, free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two