The Troubleshooter 4-16-24

Episode Transcript

(00:00):
Yeah, m news. You needadvice, so you don't have come running
as fast as we can. Shooter'sgonna help coming. Man six is the

(00:21):
Troubleshooter Show. No Tom Martino,Hi Tom Martina here, Welcome to the
show. Three oh three seven onethree talk seven one three eight two five
five Solving problems, answering questions,taking complaints, and we're gonna get to
the phones. We have a specialguest today as well. Waterpros dot net
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Now I want to go right tothe phones and help, and then we'll

(01:04):
talk to doctor Joel Trudak about stemcell therapy. Also about semiglutide or tizerpetide
terzepetide, I mean turzepetite is thenewest ingredient in these weight loss things.
I've heard none of those advertised onTV. As far as with the brand
names, I don't know what brandnames contain tersepetide, but it is similar

(01:26):
to this semigluetide, but better stronger. So guys, listen to that if
you're looking to lose weight, orif you're a diabetic, because some diabetics
have been going to uh denver Regendot com saying look, I mean,
I know you do this for weightloss, but we're a diabetic and can't
get the brand names, you know, and in that case even their insurance

(01:47):
would have paid for it, sothey just say, what the hell for
two hundred and fifty bucks or whatever, We'll just go with you, guys.
So that's very interesting, right,because it's it can be done.
You know, you talk to yourdoctor and they can supply you. Now,
Brad wants to talk about an issuewith a boat loan. You know,
Bread, how long have you owneda boat? Hey, hey Tom,

(02:14):
how are you doing? Good man? How long have you owned a
boat? Well? I haven't.And that's a little bit of the reason
I'm going in is that I wentinto if I can say the name of
the business. Sure, go ahead. We as long as it's the truth,
we can talk about anything. Okay. Well, I was in a
bass pro shop and I was lookingat one there, twenty twenty four tahoes.

(02:37):
The price on the boat was arefer around sixty eight thousand dollars.
Holy correct. I didn't know boatsfor that. Again. I mean,
I know yachts and stuff, buttell me what you get for sixty eight
grand. Well, it had aMercury thirty three twenty five on it,
open about, had the racks forthe wakeboarding, all that kind of jazz,

(02:59):
and yeah, that was a nicelooking boat. Anyway, I talked
to one of their finance managers overthere, and you know, she just
wanted to go ahead and pull mycredit and see how thing was going to
roll there, and see if Icould get PERF for the loan. Waited
about forty five minutes and they cameback with an a PREF loan. But

(03:22):
the down payment and you have tounderstand on the sign on the boat,
they show up five hundred and ninetyone dollars monthly payment. Yeah, with
good credit. I came back atlet's see, for twenty years at one
thousand and eleven dollars in ninety sixa month. Hold on a second,

(03:45):
You mean to tell me they financedthose suckers for twenty years? That's correct?
What is your down payment on that? The down payment that they listed
was seven thousand, five hundred andfifty eight dollars five hundred okay, and
so tell me where are we goingwith this? Well, you know I
have a question because I got aletter because when I got back the information,

(04:11):
you know, I'm not gonna whenwhen you add everything out there with
the now payment that's two hundred andseventy four thousand, Well, of course
it is. Have you ever lookedat what you're paying for your house?
Of course it is? Yeah,yeah, yeah, of course it is
seventeen point nine nine percent interest.Anyway, I got a note from Experience
and the boat lender and they saidthat I was not approved for the loan

(04:39):
and it dropped my credit by eightypoints. Now, okay, Brad,
I want to I want to pullthis apart a little. Let me get
this straight. Did you make thepurchase or not? I did not?
Okay, good, But when youwent there, they pulled your credit and
they said seventy five hundred dollars downtwenty years one eleven. When you did
the math, you realize how muchthe cost of financing really is and what

(05:02):
it's costing you. If you addthat to the fact that the boat's depreciating
over all that time. Depreciating assetsand financing don't mix. Well, Okay,
so I don't want to get intothat. But in any case,
you got you got spanked, andnow, to add insult to injury,
your credit took a hit. Idon't know why your credit would take a

(05:24):
hit if you were not approved ofthat. It just seems a little bit
untruthful, I guess would be thebest word. What's untruthful? Because I
had the emails showing that I wasapproved for it. Oh oh, that
part, well, that part isI can't address why they said you were
approved. Then you weren't, butI'm kind of glad you weren't because this
is not a great deal. Well, I actually I've got the email is

(05:48):
showing that I was approved. Icould find the line that I know,
but I'm saying, I'm saying I'mglad you weren't because now you're not going
to buy it, and I don'tI think you should make a wiser purchase
with the better finance. I guess, I guess. My big question is
is there any type of restitution foruh scored? Well, well, hold

(06:09):
on, okay, you're blaming themfor hitting your credit. I don't understand
your credit took how much of ahit? Have any points? I don't
understand that part. That that partjust for an inquiry. I think they
showed you as getting this loan.I think you need to get this corrected.
I think it's a mistake. Theyshowed you as approved. They showed

(06:32):
you as now having more debt.That's the only There's no way that your
credit would go down seventy points fromone inquiry. There's no way, And
I agree with you. That's kindof the reason for my call, is
it? But let me say something, Brad, I would contact New Housing

(06:53):
and New Bottle Loans and you knowthis is going to affect my credit for
a while. Is there any typeof recitation you can do against company?
Well, of course, there's norest because the dealer. The dealer didn't
do anything wrong. What did thedealer do wrong? I would agree with
you. It seems a bit greedyon that type of the loan loan.

(07:13):
Hold on, Brady, No,Brad, now you're talk hold on,
are you talking about the loan orare you talking about your credit? Because
but the dealer, it doesn't matterwhat loan it was. It was one
inquiry. You know, I thinkyou're mixing things apples and oranges. You're
upset with this loan because it's greedy. I totally agree with you. It's

(07:33):
a terrible loan. I would neverdo that loan. Did you say it
was seventeen percent interest? Some deempoint nine? I well, of course
at eighteen percent, you know,geez, that's a lot of money.
It's a greedy loan. But thathas nothing to do with pulling your credit.

(07:53):
I think what happened is somewhere amistake was made that showed you got
to prove. Now they're showing youwith an eighteen percent loan at that much
money, and I think if youpull your credit, you will find that,
and when you find it, youdispute it. That's how you do
it. You pull the report whenif they show that credit was granted,

(08:16):
you have to show it was not. You'll get you'll take a hit of
a few points for a credit report, and that's it. Okay, and
you know I did a request yesterdaywhen I called in to them, so
they've got the paperwork coming over tome. That was my question. I
just didn't know. But let meexplain something. Okay, again, there
is no restitution because they did notdo it. If they did something reckless,

(08:41):
that would be different, or reportedyou as Let's say they reported you
as defaulting on the loan because theywanted you to buy it and they approved
you. And when they approved you, they took recourse on the loan.
By the way, this has happenedin the past on other things. So
in other words, they are sosure you're going to buy they take recourse,

(09:03):
meaning they guaranteed the loan with thelender. You, on the other
hand, decided not to buy itbecause you never signed a buy order and
therefore they have a loan sitting atthe dealership. So then you didn't come
back to get the boat. Sothey default you on the loan. That
would be slander of credit, thatwould be totally illegal. But they didn't

(09:26):
do that. I don't believe.So yeah, I don't believe. So
that kind of clears things up forme. Tom. I appreciate your time
today, but man, I listen. I hope you find a boat,
but man, don't get tricked in. Don't ever get tricked into that kind
of money. Oh no, canyou let me if you can afford that?

(09:46):
You do you have equity in yourhome? Uh? You know,
I'm actually I ran it. Okay, buy a house first, broa and
then and then a boat or renta boat. I mean, I don't
know how bad you want the boat, but man, it's not a good
economic I was kind of looking atit and the payment seemed kind of reasonable

(10:07):
for what I was looking at.And then I said, but it's not
reasonable because it's a twenty year commitment. Here, it's you're never going to
keep the boat twenty years? Areyou? Oh? No, okay,
so listen to this one, Brad. You're not going to keep it twenty
years. So tell me the truth. How long do you think you will
keep it? You know, nexttime I get a boat, I'm pretty

(10:30):
good enough keep so you know Iwould like it till last, you know,
at least fifteen, possibly twenty years. Oh, I didn't realize you
actually have you ever had a boatthat long? How old are you?
Yes? Fifty? So man,so you're not you sound like a kid.
I don't know. I'm sorry.Man. So, Brad, you've
actually owned so you're an experience.You've owned a boat and kept one for

(10:54):
a long time. Yeah, readboth them. CA. Okay, Well
then you're a different animal, man, and you're you're a different animal.
But my concern is once you financesomething like this a depreciable asset over a
twenty year period for a good partof that loan life, you are upside
down, so you will always haveto come out of pocket to get rid

(11:16):
of it. That's all I'm saying. We got more coming up. I'm
Tom Martino three oh three seven onethree talk seven one three A two five
five Go with a sure thing Denver'sbest roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,

(11:39):
no obligation. In comparison, callCompass Insurance paying too much your coverage
at dozens of insurance companies find outnow three all three seven seven to one
help. You'll think you're his onlycustomer when you choose Frank durand the real
estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. HiTom Martino here, Welcome to the show.

(12:05):
Doctor Joel's with us from Denver Regendot com. Doctor Joel real quick
here. I wanted him ask youhow's are people? Are people? They're
responding like crazy, I know thatyes, are you getting diabetics as well?
They can't get the brand names?Uh yeah, particularly since we started
mentioning on your show. What abouttrus epetide, Can you explain that to

(12:26):
me? What is that? Sotur's eppetite is also it acts in a
similar way as some meglatide. They'reboth called golp one agonist. So all
that means is that they are attachingto a receptor that causes your appetite to
decrease. Tre'zeppetite is a little bitmore specific. It's a little stronger of
a drug, it has less sideeffects. It's the same active ingredient that's

(12:50):
in Manduro. Oh okay, sothere is a brand name called Manduro.
Yeah, yeah, and that's trusappetide. Some meglotide, which is our
biggest seller, which is what mostpeople are taking, is the same active
ingredient that's in will go via nozempicso, but they all act in the
same way. It's just very simply, the TR's appetite is a bit stronger
of a medication with less side effectsthan the semeglatite is all right, and

(13:13):
that Denver Regen dot com starting attwo fifty a month. You can't beat
it, man, can't beat itall right now? And I know people
on it. Let's talk to Nilesas an issue with Brighton Ford. Niles,
what's happening? How you doing,good man? What's going on with
you? Uh? So my issuebasically stands from earlier this year. So
I bought a brand new twenty twentytwo Ford Maverick from Brighton Ford. Those

(13:39):
are nice, man, Oh yeah, ordered it out online, waited a
whole year to get it. Nowwhat year was it? New? Twenty
two? I bought? Okay,your model? All right. So the
this January, I'm at work,my powertrain went out on me. No,
what do you mean? What whatthe powertrain is a lot of stuff?

(14:00):
So they I thought, they toldme, is the powertrain went out?
And well, what do you mean? They told you? What?
Tell me what happened to you?You were driving and all of a sudden
could put or what so I wentto go get in my car, go
to turn it on and go driveforward, and then it loses all powered.
It's a hybrid, so it lostall power. Started it back up
nothing. After a couple of minutesstarted it back up. I was able

(14:24):
to put it in reverse, getit parked, and then my phone gave
me a notification saying that there's apowertrain connection issue and I need to take
it to the dealership. Wait aminute, your phone. Yeah, it's
connected. Thought, It's all connected, like with the computers and stuff.
So, by the way, mayI ask something on this hybrid? How

(14:45):
many horse power do they rate that? Oh? God, I couldn't even
tell you. Well, did youfeel like it? Or like is it
a one? Is it equivalent tolike a one fifty? Or what I'd
say? Probably like maybe like thator two? Like two hundred horse powers?
A take No, No, Idon't mean horsepower. I mean like,
is it like a fifteen hundred pickup? Think of like a smaller

(15:07):
Ford Ranger, just like a FordRanger. Oh, it's one of those
smaller downsize trucks. It's just likea smaller, smaller Ford Ranger, just
a smaller It doesn't have plenty ofpower for what I needed. Does Yeah,
I get a toe a. Youknow, I can tow up to
a ton with it. I cando what I need to do for my
job. It's great for me.But anyway, the powertrain ended up having

(15:28):
an issue. I had it towedto Bright and Forward. They had it
for about two weeks and then Ifinally get a phone call from them saying,
hey, we've got it fixed.It was the power training. I
don't get. I don't hold on, bro, I don't want to hear
powertrain. I mean, there's somany components. What did they tell you

(15:50):
anything specific they did? They justsaid they fixed it. But here's where
the problem comes in. They go, we fixed it, but while we
were out test driving, your vehiclewas involved in a small accident. There's
some damage. You can come andget your car. It's driver. So
I get you have a brand newtruck, little and they say, sorry,

(16:12):
what kind of accident? And theygot rear ended by some dump truck
or something and they were pushed intoanother vehicle because they were parts two clothes
and so now I have rear endsand front end damage. Hold on,
hold on, it was parked whenit happened. They were stopped at a

(16:32):
light waiting. Okay, now,Niles, you're gonna hate hearing this.
Here it is. They were apermissive driver. They did not steal your
truck. They did not negligently useyour truck going out to a bar after
work. It wasn't an employee ona joy ride. It was a permissive

(16:57):
use of the car and they did. What's that? I totally get that,
and I know that they're now holdon, no, no, I
want to tell other people listening,not only was it a permissive use,
but they were not at fault.It would have been a whole different ballgame
if they were at fault. Theywere a permissive driver and another driver hit

(17:22):
them. It's exactly the same asif you were driving and another driver hit
you. It's all about collecting fromthe other driver and from your insurance or
both. Gotcha. It sucks?Oh yeah, but it's but it's true.
You can I can't see you suingthem for negligence or for damages.

(17:45):
Now you're going to say it wasin their Karen custody. I totally agree
with you. There might be attorneyswho believe there was a bailment created and
they had a duty to uphold,and they have to give it back to
exactly the same as was given tothem. That might hold up, and
I'd like to check with an attorney. In fact, John Fuller doesn't do

(18:07):
property damage. He does personal injury, but he knows about it, So
I'm going to ask him. Iwant to get an attorney's opinion. What
were you hoping that they would justhave to make you whole? Right?
Yeah, at least either fix itor you know, I mean, what
do they say about that? Whatdo they say about it? What do
they say about it not our problem? They do? They say basically the

(18:33):
same thing as I said, it'snot their fault. Yeah, they just
said, it's not our fault,it's here's the other guy's insurance. It's
on you now and then and thenbasically they were just kind of like.
What frustrates me though, is Idid buy the gap coverage. Thankfully I
was smart enough to do that,because the autobody shop puted me at twenty

(18:53):
five thousand dollars in repairs. That'smore than the truck is worse. So
well, you're gonna get so you'regoing to get a new truck anyway,
right, Hopefully if the if theinsurance is going to do that, the
other guy's insurance, the other party'sinsurance is and what do you care?
Let me ask you something. Letme ask you something. Straight up,

(19:15):
it's a not at fault accident.Why do you care if your insurance,
the other guy's insurance, or thedealer pays it. What do you care?
I'm out the three thousand dollars cashI put as a down payment.
No you shouldn't. No, no, no, no, no no.
You would not be out that ifyou bought the gap and you listen,

(19:36):
if you're made whole and get anothertruck, how are you out three thousand
dollars if they give me a newtruck? The other insurance company has been
very well, no, they're notgoing to give you a new truck.
They're going to give you a truckequivalent to the truck you had one second
before the accident. And I'd lovethat. I would love if they could
do that that. Well, howmany miles were on this truck? Only

(20:00):
eighteen thousand? Then you should geta truck of comparable value. Why do
you think they won't? Are whowas the other guys insurance? It's a
company called Seduick. Okay, here'swhat I want to do. Let's get
our attorney on you called in.I want to get you some quality advice.
Okay, that'd be great. I'dappreciate that. Thank you. Sure,

(20:22):
Let's get John Fuller on Kaschina ifyou can. And then I understand
we're also going to have a followup that Deputy Chopper was working on with
Solar. So I'd like to geteither Mark On or brook either Probidenergy dot
com one of my solar experts,Mark conkleprobid Energy dot com. Or let's

(20:47):
get Brooke on from Red Rocks roofand Solar. Okay, so we got
I want to line her up forwhen that Solar call comes in. I
also want to get John Fuller onto discuss this. Three ZHO three seven
three A two five five go witha sure thing Denver's Best Roofer Excel Roofing

(21:10):
dot Com. You don't pay acent until you're content. Time for an
insurance check up, free no obligationcomparison call Compass Insurance paying too much your
coverage at dozens of insurance companies findout now three oh three seven seven to
one help You'll think you're his onlycustomer when you choose Frank durand the real

(21:30):
estate man dot Com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi, I'm Tom Martino. You're troubleshooter.
By the way, the Castle RockhomeShow this weekend. Don't forget this weekend
starting at noon on Friday. You'regonna love it. And it goes Saturday
and Sunday Douglas County Fairgrounds. Likethree hundred or more booths of all kinds

(21:53):
of home improvements, wonderful stuff.Castle Rockhome Show this weekend starting Friday.
Now, let's figure this out.I have John Fuller with me. He's
a personal injury expert, but hedeals in this stuff all the time.
When it comes to accidents and cars, he knows about it. Let's put

(22:14):
it that way. It's about property, dam John. I want to just
run this by you. Let's sayit's you. I know you like pickup
trucks, so you take your pickuptruck to a dealer for repairs. They're
out test driving it. They're apermissive driver. They're out test driving it.
The guy didn't take it home fromwork. I want to make it
clear it wasn't unauthorized us. Theguy was test driving. It rear ended

(22:36):
by another truck. So what happensnow? He'd like them to replace his
truck the dealer. The dealer says, listen, it's just like an accident.
It's not our fault. Somebody raninto us. So what do you
think, John? Is there anybailman agreement when a dealer takes a truck,
do they have a higher level ofresponsibility to him or can they say?

(23:00):
Please say? That's like, hey, if your truck was stolen,
we wouldn't have been responsible unless wecontributed. I don't know. I mean,
I'm not trying to bait you.I need to know what you think.
Okay. So my analysis of thisis that you hit the nail on
the head when you said they're apermissive driver, and as a permissive driver,
the insurance coverage that you have onthe vehicle would still be in effect

(23:22):
and would provide all of the coveragethat is on that vehicle. The only
exception I think that may come upwould be if it was not a permissive
use. And generally, as youknow, if you give somebody permission at
any point to use your vehicle,then forever more until the end of time.
They're considered to be a permissive driverunder Colorado laws. So I kind

(23:44):
of think that with a dealership itmay be it may be the case that
that permission stops at the end oftheir authorize you. So you couldn't they
couldn't take your car and go tothe fast food place for lunch or you
know, or go to a barafter work or do something like that.
But as long as they're operating itwithin the scope of the permission that you
granted them, I think that yourinsurance is going to apply. But in

(24:07):
this case, because they were rearended, even though they subsequently hit another
vehicle, it's still going to bethe fault of the vehicle behind them that
did the rear ending. Right,That's where all the coverage is going to
start. The dealership does not owethem a new vehicle in my opinion.
Okay, Niles, I want toask you something you're not denying it was

(24:33):
permissive use, right, I'm assumingit was. Yeah, I'm that they
had to take it out and testdry that once they were done repairing it,
So yeah, that's too bad.Now as far as your down payment
goes, they may not say toyou, here's your down payment and here's
money for the truck, but theyhave to settle with you on the value

(24:56):
of the truck. Where it mightget dicey is where you can't come to
an agreement on what the value isand for that, I want to refer
you to someone else. And that'spetty details. Look for petty details on
a referral list. They do thisfor people for free, most of the

(25:17):
time a small fee of you reallyhave to fight and go into arbitration.
These guys are the experts at valuingvehicles. Okay, petty details. So
I'm sorry about this, but youknow what I'm thinking. It's one of
those things that that happened and I'mtelling you people they just can't stand it.

(25:41):
Two other examples, Niles. Let'ssay your truck's there and he gets
hit by hal. I say,what happens if it was part at a
friend's house or at a mole anda guy hit by Hell, it's not
the dealer's fault. The way itwould be the dealer's fault is if they
promised you they were going to keepit inside and they didn't, or they

(26:02):
saw it coming and said, youknow what, let's pull this guy's truck
out. We don't like them,you know, something stupid. The other
one is theft or vandalism unless theycontributed to it they left the keys in
the car, or they were stupidabout it. So that's the way that
normally works. Three oh three sevenone three talk three all three seven one

(26:22):
three eight two five five. Nowit's Melissa's Melissa's uh turn, Melissa,
what's happening? Melissa high? Anyways, I think somebody has I used my

(26:45):
unemployment, your unemployment? How doyou? Why do you think that?
Because there got me on an integrityhold? Now as hold on? Were
you on unemployment and then they putyou on a hold or did you try
to get unemployment? I tried toget unemployment, so you were not on

(27:07):
unemployment. You just tried to applyand they said to you. You know,
Melissa, you're on an integrity hold. Mm hmm. So when did
you try? When did you applyfor unemployment? Around the fourth of February?
And what did they say? Theysaid you can't How long did they

(27:30):
wait to tell you this? Itold me I had to be put to
go through an integrity hole before Icould get my unemployment. And what did
that mean is this something everyone goesthrough. I've never heard of this before,
or did they tell you it wasdue to a problem. It's due

(27:51):
to people froggy department layer before twentysixteen. But so does everyone go on
this integrity hold or or is itonly if they think you've been hacked?
As far as I know, theysaid everyone has to do this. Oh

(28:11):
okay, and how long do theyput you on an integrity hold? Suppose
to the age of ten weeks?Wow? Wait a minute, so anyone
who goes for unemployment is put onan integrity hold for that long? Yeah,
at the least. What I don'tknow if you saw the New last

(28:33):
night, but they had a ladythat's been on that so longer than that.
What do people do for money whenthey're I don't I don't even understand
this hold on? So so whatare you calling us to let us know?
Or did you think we could getthrough and have it lifted or what?

(28:53):
You know? I need I needto let people know. Yes,
so this is going on. Butat the same time I'm having problems with
this. Well, of course,because you need to pay my bills now,
you know. I you know whatKatschina, get one of our deputies
on this. We need to ask. We need to get a spokesperson on

(29:14):
from Unemployment to to talk about integrityholds. Seriously, I have never heard
of this before. It's Kachina.I don't know if she's on the phone,
she's here, Okay, Kaschina.We have a contact over at Unemployment.
We do. I want to hear. I just want to know.
Maybe Phil will come on Spsshart ifhe's if he could maybe comment on integrity

(29:37):
holds. I can always reach outto them. Let me let me see
what I can keep saying. Everyoneis being put on this due to excessive
fraud. But what is what happensto her? Melissa? Leave your name
and number so we can call andfigure out what the heck is going on.
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(30:00):
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(30:22):
six Go with a sure thing Denver'sbest 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, callCompass Insurance paying too much your coverage
at dozens of insurance companies find outnow three oh three seven seven to one.

(30:47):
Help. You'll think you're his onlycustomer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three oh three
nine two zero sixteen twenty two.Hey Tom Martino here, welcome to the
show. Three zero three seven toone to three talk three all three each

(31:07):
seven one three eight two five five. We got another thing here. Let
me put on that wide shot fordoctor Joel. Another question we got texted
to us five seven seven three nine. You can text me if you have
a question. They want to knowif you go off. They've heard different
things. When you go off ofsemaglutide or chrzepetide for weight loss, do

(31:30):
you gain the weight right back?I have an answer for that, but
I mean you tell me what theofficial answer is. Well, there was
a study in the Journal of theAmerican Medical Association on that very topic,
and what it showed is that peoplelose tend to lose about twenty percent of
their body weight over the course oftwelve weeks if they go off to if

(31:52):
they go off some meglotide, thenover the course of the next thirty over
the course of the next thirty sixweeks, they gained back about half of
the weight. So you maintain atleast ten percent of the weight loss over
the next three years, even ifyou go off of it after the first
three months. Okay, here's whatI think. The whole idea is,

(32:15):
you get used to new eating habitsif you do it right right, in
other words, you look at whatthe volume was and what you're doing now.
And the only reason I think youwould go off it, I think
your body gets used to less calories. And I think the only reason you
go off it is psychologically. Yeah, I mean, really, I another

(32:36):
not go off it. I mean, the only reason you would increase your
caloric intake, it's not because youneed it. Your body will be convinced
of that after time. Yeah,I mean, we see that with our
patients that have been on it forthree four months that they're just maintaining the
weight loss that they've had Denver Regendot com. Let's go to Michael.
He has a comment on integrity holes. So I found out something today I've

(32:59):
never heard before war and that isintegrity holds for unemployment and that means that
everybody has to wait. I don'tknow what that means, but go ahead,
what do you have to say aboutthat? Michael? It is a
real thing. Uh. I youknow back at the oh, you know,

(33:24):
starting at the COVID you know,yeah, craft that went around.
You know, that's a lot offraud job loss. Yeah, what a
front. And I collected unployment andafter a while, you know, managed
to kind of get back on myfeat get another job, and unfortunately that

(33:49):
one also came to an end,and so I reapplied and uh, were
you put on hold? Yes,you know there was a problem and it
like was Scott six months into itand I'm like, what's the what to
you? And know what? So, by the way, did you finally
get the back payment? I did? I did finally, But then you

(34:09):
know that was the term that cameup. Well, I see there's an
integrity goal placed on your Okay,thank you for confirming that we're going to
find out more about it coming up. I'm Tom Martinez three O three seven
one three eight two five five.Don't forget. We have more with Denver
Regen dot com as well. Whatwould your twelve year old self say?

(34:32):
Now, you want to be adoctor. You don't think teachers saved lots.
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligation. In comparison, callCompass Insurance paying too much your coverage

(34:52):
at dozens of insurance companies find outnow three oh three seven seven to one
help. You'll think you're his onlycustomer when you choose Frank durand Real estate
Man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two ripped tough news. Need advice so you don't have come

(35:20):
running as fast as we can.Shooter's gonna help. Come man, This
is the Troubleshooter Show. No TomMartino. Hey, I'm Tom Martino.
Welcome to the show. If you'relooking for home improvements. The Castle Rock
Home Show coming up this weekend startingat noon on Friday. They're fun.

(35:40):
The Castle Rock is really fun.Plenty of parking you don't mess with downtown
Denver Douglas County Fairgrounds. Look itup. The Castle Rock Home Show this
weekend like over three hundred booths.If you're looking for something to do,
I think I'm gonna drop down.It's gonna be fun. And that's Friday,
Saturday and Sunday Saturday. It startsat ten in the morning Sunday at
eleven, So that's casser Rock HolmeShow. Hey, let's talk to you

(36:05):
today. We have our guest intalking about semaglutide and turns eppetide, which
are weight loss drugs that they arecompounding at way reduced prices. And we'll
get to that in a little whileif you have any questions Denverregen dot com.
We're also going to talk about unemployment. By the way, unemployment,

(36:30):
we're told now people are put onintegrity holds. Integrity holds not just select
people but everyone, which means youautomatically have to wait longer than you would.
We're trying to find out more informationon that. So if you know
anything about it, give us acall. Meanwhile, we'll talk to This

(36:53):
happened by the way to Melissa,and we're trying to get an answer.
But I think she's also talked aboutsocial security. Melissa, do you also
have a social security question or issue? No, I think somebody took myself
security number in Oh I get it. No, No they didn't. I

(37:15):
think you're just hearing. You're justas you heard from that other caller.
I think what's happening is that reallywhat's going on is what we thought,
and that is people are all allpeople are on this, not just you.
It's kind of happening to everyone.So it's a pain and it's going

(37:37):
to be inconvenient. But if youkeep listening to the show, we will
talk about that when we get somebodyfrom unemployment on to talk about it.
Three oh three seven one three eight, two five five Lorraine, what's going
on with you? After? Lorrainewill have some open lines as well,
and you can also call three ohthree Martino twenty four to seven, three

(37:59):
oh three, six two seven eightfour sixty six High Lorraine, What's going
on? Tom December fifteenth, twentytwenty one. The roof blew off my
commercial building. Wow, I'm astate pouk. Wait wait when did this
Happencember fifteenth of twenty twenty one,oh, twenty twenty one? Okay,

(38:22):
yeah, I'm the state farm adjuster. First he was arguing with my roofing
company over what type of roof?Well, what kind was it? By
the way, it was a torchdownand they wanted to put a hot mod.
Bit. Now, when you saya torchdown, was this a flat

(38:43):
roof or just a light light pitch? What was it? Very little pitch?
Mostly flat? Okay, the tubblewas torchdown. Materials wouldn't be available
till March. They wanted to puta mode which is three thousand dollars cheaper.
The adjuster dickered with them for severalweeks. Now, who is it

(39:07):
that wanted to who is it thatwanted to put the different kind of roof
on? My roofing company? Turnedon why? Because why you get a
roof on? Oh? Because theother one wasn't available wasn't available for four
more months. So he argued withhim for quite a while. And the

(39:28):
kind that you opted for was waswhat kind? Was three thousand dollars cheaper?
Okay, got it. I wasokay with that, get a roof
on, but the adjuster kept arguing, and he was out with COVID for
two weeks, and he played aweek at Ketchup by What was the original
roof? By the way, whatkind was it? The kind that is

(39:51):
on delay? Yes, the originalwas the kind on delay? Got it,
and the adjuster said, we hadto put like kind. Oh we
couldn't get this. Well, theynever complain usually about like kind or cheaper
for goodness sakes, Oh this onedid. Huh. And he was out
with COVID for two weeks. Thenhe played a week of Ketchup. I

(40:15):
didn't get a written estimate for fortydays. The ruffers could have put a
roof on in two weeks. Wewere waiting for, obviously a written approval
from the interns adjuster. By thetime forty days comes and he gets around
to doing giving me a written estimateafter he gets over his COVID and the
roofers couldn't come till February twelfth daythey started, we got an unexpected snowstorm.

(40:40):
Hold on, so you're telling methe adjuster. The adjuster turned down
the roof until he could do butthen he eventually approved it. Eventually approved
it after he got back from havingCOVID and playing ketchup for three weeks.
It took forty days to get anestimate. By that time, the roofers

(41:02):
couldn't do it for another couple ofweeks. By the time they started,
we got a snowstorm and interior damage. Yeah, you're not gonna know You're
I know where you're going. You'renot going to get anyone. You're not
going to blame the adjuster for that, Hi, because you're not. He
was first. I'll tell you.Okay, you asked why, I'll tell

(41:23):
you because under your policy, underyour contract, you're obligated to mitigate your
damages and protect your roof, nomatter what it cost. You're obligated to
protect it to prevent further damage.The second thing is there's no control over
a guy getting COVID. The thirdthing is there's no control over your roof
for delaying. So it wasn't allyour insurance company's fault either. So how

(41:45):
do you assign blame? Okay,Well, number one, the roofers did
come and try to tarpet Tom.This is a fifty by one hundred foot
bill. Okay, But the shortCall an attorney and they'll tell you.
They'll tell you you're not gonna getanywhere. You have to put in a

(42:08):
second claim and pay your deductible,but you will be covered by your insurance.
What trouble is? Okay, theydid I did want me to do
a second claim. They said they'ddo, they would put it on the
original claim. But they've low balledevery general contractor estimate I've submitted. Well,
that's a whole separate issue. You'redealing with a company. You shouldn't

(42:30):
even be dealing with him. Youshould call a public adjuster and get and
get this damn thing done the rightway. A public adjuster will kick their
ass. I call multiple public adjusters. One talked to Big Talk. Big
Talk jerked me around for six weeks. He was supposed to show up with
his crew one day, didn't come. I called him. He said,

(42:53):
oh, I'm on an inspection andcall her a spree. Well, then
guess what you called the wrong one? Who did you call? Did you
call? I hope it wasn't someonein my on my list. I don't
know he's on your list. Itwas company? Okay, So what happened?
What's the bottom line. Where whereare we right now? And now

(43:15):
we're twenty eight months out? Mybuilding shuttered? They keep lowballing every general
contractor estimate. I sin, okay, you still need a public adjuster.
You still need a public adjuster.I'm hoping you didn't lose any rights.
You're twenty eight months past the damage. You never well, no, you
filed a claim though you only haveYou only have three years until it's closed

(43:39):
out completely. You need to call. Listen. I want you to try.
I want you to try Paragon Services. They have public adjuster. YEP,
a public adjuster. Paragon Services,My buddy, Matt Stanford. You

(44:01):
tell him that I told you tocall. What's that? I want you
to listen. I'm going to tryto get that number for you right now.
I want you to tell him thatI told you to call, and
I want to see what he cando. I'm not promising he can drop
everything, but you need to protectyourself. You're just getting jerked around right

(44:25):
now. That's what's happening. You'regetting totally jerked around. Let me see
the number is damn it? Okay? Here it is seven to one nine
seven two six zero zero two zero. What was his name? Again,
Matt, Matt, just say I'mMatt Stanford, but call just call him

(44:50):
and see what he says. Howtell me the dollar difference? Do you
know you can sue them for badfaith and win and get a tourney.
You can get attorney's fees even ifthey turned down a legitimate claim without a
good reason. Did you know thatI've called a handful of lawyers. They
all say this is not their typeof case. Well that's because you didn't

(45:14):
call a did you. Did youknow there are attorneys that handle nothing but
nothing but bad faith. But firstthey want you to get they want you
to go through the process. Soso Lorange, just listen. First,
you get a public adjuster to determinewhat you need and if it's reasonable,

(45:34):
then you get a contractor to bidit. And if your insurance company turns
it down, you have a badfaith claim and most of the time you
will win and you will get alot of damages. Now you want to
know a law firm, I alreadytold you. But first you go through
Paragon, then Black or Daily Black. I believe it's called the Black Daily.
I think it's Daily Da l YBlack. And they are are attorneys

(46:00):
that do bad faith. Yep,it's daily and black daily and black da
l y and black the color blackdaily and black and those suckers, those
suckers, here's the number for them. Seven to zero nine two five zero

(46:23):
seven eighty five. Okay, letme know what happens, because I think
I think you have a good case. Three all three, seven to one
three talk seven one three eight twofive to five. You know, Frank
Duran, the real estate man,will do an evaluation of your home what

(46:44):
they call a market analysis, tosee what it will sell. Where you
might think, wait, I'll justlist it with a guy because he said
it's worth this much. No,don't. Frank Duran will never lie to
you. He's accurate. He's oneof the best, most prolific real estate
brokers in all of Colorado. Hewill go there and he will examine your
home and no obligation whatsoever ever tolist. He'll tell you what it will

(47:04):
sell for, in my opinion,in almost a certainty three oh three nine
two zero sixteen twenty two. Frankdurand the real estate man dot com go
with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay
a cent until you're content. Timefor an insurance checkup free no obligation comparison

(47:30):
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven to sevenone help. You'll think you're his only
customer when you choose Frank durand thereal estate man dot com to list your
home with Remax Alliance three oh threenine two zero sixteen twenty two. Hi

(47:53):
Tom Martine here three O three sevenone three talk three O three seven one
three eight two five five. Linesare open. You can call right now
with any problem, question or complain, and you can always call three H
three Martino three O three six twoseven eight four sixty six. Now,
Deputy Chopper, you said Chopper's there, right, I assume, And uh

(48:15):
you said that the solar company orthe solar people might be calling. Now
tell me what's going on there.Uh, we're waiting to for them to
call in. They haven't called inlike they said. But uh, we
were going to talk about they Wethought we could go or tell them how
to go against gold Leaf finance.In other words, the finance company can't

(48:38):
collect on something that in a solarbusiness that is not being done right that?
And this is the worst solar companyI've ever heard of, this first
solar whatever one solar, one solo. And not only is one solar,
does one solar suck? But alsoI don't like the idea that that even

(49:04):
the other place, Vallot Valor Solarsucks too because they sold it. So
you have two sucky companies. AndValor wouldn't put any pressure on one solar.
No, they made their money andthey moved on. And so this
is a fifty four thousand dollars Isthis the one? I mean? The

(49:28):
system is inoperative, right, Yes, it's a good leap that financed it.
Yes, was this first? Okayis the name of the consumer,
Beth? No, it's Alex andCoy and they should be calling in any
guess what? Guess what? Thisis the second complaint that we have,

(49:51):
because I just found another one Iwas talking about and okay, yeah,
yeah, so this, okay,this is Sleeves Brigade time. I didn't
realize this. Did you know?We had a second one? The same
thing happened, totally inoperative. I'mnot aware of that. They did give
them a battery, which they saidcost sixty thousand, but it only costs

(50:15):
ten. But that's not enough torun their system. You know, Valor
sucks. In fact, did youask? Wait? So we have literally
three problems with Valor right now,three of them and one Solar. Three
problems with the same thing, threeof them. That's you know, that

(50:36):
tells me something. So I definitelyhave to put them on the seas brigade.
They're not coming through. They're notcoming through at all. Valor and
One, you mean both of them, they both suck. They're good partners
and in fact, screw these people. I want people to let Valor know
that they suck. I just realized, what are you kidding me? What

(50:59):
do they call Valor roofing, Valorroof and Solar here? People, I
want you to call them and letjust be kind. But here's what I
want you to say. You know, we just found out from Tom Martine
that just on his show alone,there are three complaints about inoperative solar systems
because you suck. But say itin a nice way, Tom. I

(51:21):
just got a message from Lloyd.They had the wrong number. They're going
to try to get in as soonas they can. Here's the number for
Valor remember Valor and one solar,Valor and one Solar they suck. Valor
sucks three oh three seven seven zeroseven six six three. Valor sucks three

(51:45):
oh three seven seven zero seven sixsixty three. Valor sucks, and Solar
one or one solar. Here's theproblem. They sell systems and they can't
freaking get them to operate. I'mgonna go over these problems. Okay,
I'm really pissed. Okay, Ididn't realize this. So Beth and her

(52:06):
husband listen to this one. Thisgoes way back. Beth and her husband
signed up for solar with Valor Roofingfifty four thousand dollars. Then they had
a tax credit coming off of that. They don't have the inqueme to qualify
for the credit. The system wasinstalled by one Solar and it's being financed

(52:29):
through good Leap. Is that thesame one that financed this other one?
Chopper? Yes, that's correct,but says they never signed the purchase financing
your agreement. She has pissed atthe entire process. Plus the system is
inoperative. Think about that inoperative,Tom, the caller's coming in now,

(52:50):
and the next one, Jack,Valor Roofing and Solar sold him a one
solar system that sucks. That's anotherone. That's Jack he called in a
while ago and that was given toSmarty Panch. That was a while ago.
They suck. I'm getting them onthe sleeves, brigade, man,

(53:14):
this pisses me off. I justput this all together. And then the
next one is Lly and alex Or. Alexis they contracted in October twenty twenty
two. Their system is not workingproperly. Why because of Valor and one

(53:35):
Solar. So I want you tolet Valor know that we know about him.
Listen when I tell you this,and I mean this sincerely. I
really don't want you to be vulgaror vile. I don't mind even say
they suck or we heard you suck, or we heard that you don't come
through and you're a terrible company.And if you don't like it, Martino
would love to have you on theair to give your side of the story,
which you refuse to do. Andyou can call him at three zero

(53:58):
three Martino, just telling that threeoh three Martino, Okay, their number
at Valor three O three seven sevenzero seven sixty sixty three. Damn it.
I hate this. I hate whenpeople get ripped off, and they
do get ripped off by these people, So stay tuned for this. I'm
going to talk to these consumers whowere ripped off. Dan McKenzie, by

(54:20):
the way, an estate planning attorney. And everyone needs a will, You
may need a trust if you wantto pass on your business, you want
to pass on your assets, evenyour fine arts, whatever you have.
Dan McKenzie can come up with away for you to do it in a
very simple way. Dan McKenzie McKenzieLaw, eight three three co Plans eight

(54:40):
three three co Plans the website coplans dot co. Go with a sure
thing Denver's Best roofer Excel Roofing dotcom. You don't pay a cent until
you're contenth wait time for an insurancecheck up free, no obligation. In

(55:06):
comparison, call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three all three sevenseven to one help. You'll think you're
his only customer when you choose Frankdurand the real estate Man dot com to
list your home with Remax Alliance threeall three nine two zero sixteen twenty two.

(55:31):
Hi Tom Martino here three oh threeseven one three talks seven one three
eight two five five All right,So here we are helping you solve problems,
answer questions, take complaints, makeyour life a little easier. And
I want you to remember this.Valor roof and Solar sucks three all three
seven seven zero seven sixty sixty threethey suck. We have three complaints.

(55:52):
Now you might think tom three complaints, Hell, three complaints aren't a lot
of complaints. Now remember this,I use the old road kill Do you
know what I mean by that?By the way, do you know what
roadkill theory is? I don't.Road kill theory is this that if you
see particular road kill of a speciesmore than other species, what does it

(56:16):
tell you? It tells you,Joel? What do you think it tells
you, doctor, Joel? Comeon, if you see more of skunk's
killed than rabbits, or you seemore rabbits killed than raccoons, or more
raccoons a particular year, it's theroad kill theory. I would say this
because there's just more of those.That's exactly right that they actually came up

(56:39):
with this years ago. Well,it's because not all species go on the
roads. But if they go onthe road, if there's enough of them
to go on the roads and getkilled. Well with solar the fact that
my show, because I'm not goingto brag and say, well, I've
been here forty five years and everybodyknows me, because they don't. And

(57:00):
with all the outlets out there,if my little old show gets three complaints
about this company, three, that'sa lot, you know what I'm saying.
And now, obviously people do thinkabout complaining to me, so I'll
tend to get maybe more than someoneelse, but still think about that.
I'm getting three complaints about the samecompany. It's not that big of a

(57:22):
company, so there's got to bea problem. The roadkill theory. Has
anyone heard about, by the way, YouTube morals? Have you heard of
the YouTube? Not the YouTube killtheory? Now, have you heard of
the roadkill theory? Fines? Reallyhave you ever heard that before? Now

(57:42):
let's talk to Lloy who was avictim of Valor. They did such a
stupid thing, Valor and one solar. Listen to this one. I find
this fascinating. They put in asolar system. Now, the solar system

(58:05):
itself isn't shoddy, but they didnot do their due diligence. They actually
put the solar system in an areaof Excel territory that cannot accept solar and
net metering and certain feeds because ofold infrastructure. To make a long story

(58:34):
short, for that solar system towork in that area, Excel would have
to build a new substation, ohabout twenty million dollars or so. Well,
you see, they wouldn't do that. So you know, lloy and
Alexis has this power the solar systemthat they can't hook up to the grid,

(59:00):
and so Valor would have found thatout, or one Solar would have
found that out. Had they doneit the right way, they would have
found that out, and therefore theywouldn't have sold them the system. But
now the only way they can usethe system is if they're off grid with

(59:22):
a battery backup off grid. Theycan go on grid during certain times,
but they have to have their system, their solar system, disconnected, So
they'd have to come up with somecrazy hybrid system that is disconnected from the
grid part of the time where theyuse batteries and then connected to the grid

(59:45):
other times. It's just too crazy. So in order to make the system
work, their only option would becompletely off grid or this battery backup system
or just get it removed. So, Lloyd, what happened? Did they
finally after we talked to them,did anything change? No? Yet,

(01:00:12):
we are waiting for an answer fora solution. So your solar system is
not functioning right now? No,never they installed but never working? And
did I explain it properly? Howmuch? First of all, how much
did this system cost you? Fourthousand dollars? Yeah, we are paying

(01:00:39):
through. We are way paying tothe bank since last year for fifty four
thousand dollars that they paid to battle. The bank paid to battle without even
telling us anything. And who's thebank? Because because Mark was really adamant
about this, this finance situation,Chopper, what did I might be able

(01:01:02):
to get Mark on the line,but he was really adamant about them not
being able to charge due to this. You remember that, Yes, I
do. Tom. Let me justcall Mark right now and see. Uh,
I know he's here somewhere. Letme just call him and see.
I'll get him on the line.What's that, Oh, he knows enough

(01:01:24):
not to cuss. Hold on,let me just bring him up here.
I'll get him on and he washe said, this is the option we
should explore. Mark, Mark,you're on the air, by the way.

(01:01:46):
You we got this solar guy onthis the one the people that were
ripped off by Valor and and hesaid, they've been paying on this loan
for a year now. You wereadamant about this, this option going after
the lender. What did you havein mind? I know what you're talking
about, so kind of follow medown the road. We had Brooke in

(01:02:09):
Geez, I don't know about twoor three months ago. You were out
and I got to spend a lotof time with her and talking solar on
the air, and one of thethings she brought up, and I think
we should get her back on isthis those companies lend money out to solar
have an agreement with the companies thatare installing them or selling them. I'm
not sure, but if it isnot a working solar system, the agreement

(01:02:32):
gets sent back. Funding then shiftsto the company, not the consumer.
And the company those people went throughwas one of the companies that Brooke said
would definitely do that. So ifyou get her on, I think we're
going to okay out all right,It's going to be the best option.
Now, who financed you? Loyokiegood leap, that's the one they always

(01:02:58):
use. That's right, So you'vebeen paying on it the whole time.
Okay, we're going to contact them. Mark. Thanks and by the way,
okay, appreciate it. So Markis working on on our other businesses
right now. So listen, let'sdo this. Let's let's talk to Red

(01:03:20):
Rocks. Let's call up our friendBrooke Kachina and Looy hang on. I
want to get I want to getthem on to talk about how we approach
the finance company to put pressure onthis other company. They should not have
done this and you should not bepaying I don't know how much you're paying,

(01:03:42):
but you shouldn't be paying for anin op system. And again,
people, I can't say this enough. Valor roof and Solar sucks. Do
you hear what these people are goingthrough? Valor is at three oh three
seven seven zerold seven six sixty three. It's a shame. These poor people
have been paying for a year onsomething that doesn't work and they haven't come

(01:04:06):
up with a freaking solution. Oh. I'm gonna be honest here. Sometimes
I want to swear on this showand say, w TF you know,
or, as they say on theon the Michael Brown Show, this is

(01:04:30):
foxtrot uniform, Charlie Keilo uniform,Papa. All Right, I didn't put
the D on the other one.Nevermind, I'll come up with it.
I'm saying it out of my headhere, okay. Three all three seven
to one three talk so we havemore coming up. Stay tuned. We're
gonna get Red Rocks on Brooke totalk about this. I'm Tom Martine.

(01:05:01):
Go with a sure thing Denver's bestrufer 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, callCompass Insurance paying too much your coverage at
dozens of insurance companies find out nowthree all three seven seven to one help.

(01:05:21):
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two Know what doesHi? Tom Martino, You're a troubleshooter

(01:05:42):
three all three seven one three talksseven one three eight two five five Brook
is with Red Rocks Roof and Solar. They do a great job. Red
Rocks rs dot com. Heybrook,So I looked into my records. I
didn't realize I had three problems,all different ones, but basically incomplete systems

(01:06:09):
from Valor Roof and Solar. Whoworks through one Solar And I'm saying this,
not you, They suck And youknow Mark was saying Tom, I
talked to Brooke about this and theremight be some hope for Loy. Loy
and Alexis bought this system fifty fourthousand. They've been making payments on it

(01:06:30):
for a year and they don't havea system they can operate. I don't
know if you're familiar with the systemwith the problem, but it was built
in an area of Excel that can'taccept solar. Now I've never heard that
before, by the way, butapparently for them to take more solar,
they would have to build a newsubstation. Have you ever heard of something
like that, Brook, It's veryrare. Usually it's just a transformer that

(01:06:56):
needs to get upgraded in the neighborhoodor wire from the transformer to the house.
So the fact that a substation needsto be upgraded is I've never heard
of it either. Anyway, whatwe're told is Valor or One Solar should
have found this out when they didtheir due diligence. Is that something you
would know about if they if theyhad an inadequate transformer or substation. Yeah,

(01:07:20):
one Solar at the EPC, Soit's their responsibility and throughout Excels permitting
process. That's part two of thatpermitting process is whether or not the system
is going to be accepted. Sothe only issue now is they need sixty
thousand dollars worth of batteries and Idon't know how that works, but somehow
they'd have to have some switch onswitch off of the solar because they can't

(01:07:45):
take the net metering. So Idon't know how that works, but they'd
have to turn it off during certainparts of the day then turn it on.
Does that make sense to you?So with the sixty thousand dollars worth
of batteries, they'd essentially be offgrid, so they would have a disconnect
that would not allow their house tocontinue to push power out to Excel or

(01:08:09):
to take power from Excel. There'sa disconnect that would exist between the main
channel and the meter. Would theyever be able to take excel. They
can go back on the grid ifthey want to, but then they would
have to shut off their solar system. Because that's what I met, that's
what they had they were gonna theyproposed some stupid system where they would turn
off and turn on and turn offand turn It's ridiculous. The bottom line

(01:08:31):
is this. They are financed throughgood Leap and they've been paying on it
for a year. So is theirrecourse going through good Leap? I am
unsure they can file a customer complaintwith them, but from what I understand,
loy and Alexis have called Good Leapand file complaints with them for the

(01:08:56):
last year and there's been no availfor them either. Because Mark said that
you were mentioning that some finance companieswill take recourse. Yeah, So for
instance, if the system isn't turnedon within a certain timeframe, then that
company can get in trouble by thefinance company and then that can do what

(01:09:19):
called a clawback. So if it'sbeen over six months since the if you
can hold on, Brook, I'mrunning out of time. Hold on,
I want to bring you back tojust recap this to make sure go with
a sure thing Denver's best roofer ExcelRoofing dot com. You don't pay a
cent until you're content. Time foran insurance check up free, no obligation

(01:09:45):
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find
out now three O three seven sevento one help. You'll think you're his
only customer when you choose Frank durandthe Real estate Man dot com to list
your home with re Max Alliance threeall three nine two zero sixteen twenty two

(01:10:09):
Ripped news need advice so you don'thave come run in just as fast as
we can. Shooter's gonna help.Come man, This is the Troubleshooter Show.
No Tom Martino, Hello Tom Martinohere three all three seven one three

(01:10:31):
talks here Old three seven one threeeight two five five. Welcome to the
show. This hour brought to youby renew home Innovations dot com for beautiful
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renew home Innovations dot com. Theytake out that old shove. Do you
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(01:10:54):
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two thousand. That's nine zero fourtwo thousand. So I want to follow

(01:11:15):
up with Loy in the solar system. Then I want to follow up with
Brook our experts. So bottom line, Loy can't use their solar he can't
use the solar system. Loy andAlexis and Brooke said there there there could
be a recourse with Leap. ButLoyd, did you already call good Leap
where it was financed and told didyou tell them the system is in operational?

(01:11:39):
Yes? I did. I receiveda call in April last year telling
me that my law on start inmainspire. I told them that the system
is not working and the answer wasthey know their business, none of their

(01:12:02):
business. So they've just been sayingthey've been accepting money from you knowing the
system isn't working. Yeah, yeah, easy. So yeah, but he's
not working and how much how muchhave you been paying a month? One
sixty three? So Brooke, Brooke, So really there is no protection as

(01:12:26):
we thought then through financing. Yeah, so they can call. By the
way, brook is our expert,I should mention with red Rocks, roof
and Soler go ahead. Yeah.So this is a unique case in that
the utility company stated that PTO willnever be allowed or permitted. So if
lay and Alexis called them back againwith myself or somebody that could explain the

(01:12:50):
situation, then there would be greaterrecourse. But as of right now,
it's very common for systems to getinstalled in it to take longer than six
months to get activated. Even thoughthe system can be activated, in this
case, the system cannot ever beactivated unless the substation is upgraded, which
will take years to do. Sookay, so I would like to I

(01:13:15):
would like to have you help themout. We can have Kachina off the
air kind of make that connection andbasically see what we can do for them.
This is a terrible situation. Haveyou heard of complaints about this about
this company before? By the way, yes, So both one Solar and

(01:13:39):
Valor are the reasons why I openup my own company based on how they
treated customers and their lack of integrityand ability to install appropriately according to code.
That's well said. Thank you.That's Brooke, red Rocks roof Andsolar,
Redrocksars dot com three O three sevenzero four two four four nine.

(01:14:00):
Thank you Brook for being here.Lloyd. We're gonna follow this up.
Lloyd. We're gonna follow this upat another time, and we're going to
get you Kachina. Let's get Lloyand alexis in touch with Brooke off the
air, and then they call goodLeap and then I believe good Leap.
She can talk to good Leap andexplain what's going on, and maybe if

(01:14:20):
they claw back the money, Valormight have something to say about it.
But man, this cannot be good. And this is going on the Sleeves
Brigade as Sleeesbrigade dot com because itsucks. Now in other consumer news,

(01:14:40):
this is really pretty telling. Teslais laying off ten percent of the entire
global workforce. And here's what theysay, basically that there's competition finally,
and the allure and the shininess ofTesla is kind of wearing off and a

(01:15:06):
lot of the production has been sloweddown, so really they're having a setback.
Now. Elon must says it's thecalm before the storm, and that
it's a lull, a planned lullbefore their growth. But I think he's
doing that to try to keep hisstock from tanking. But they could be

(01:15:30):
laying off another ten percent according tosome insiders. And I don't mean like
inside stock rumors, I just meanof the industry, of the ev industry.
So if that happens, that's goingto be a ton of people,

(01:15:54):
because you know, right now thousandsI had the exact number. I don't
have it right now, but thousandsof people were laid off. Oh yeah,
ten percent, Okay, more thanfourteen thousand people. But so they
say there could be another fourteen ortwenty thousand in the near future. Now,

(01:16:17):
what's interesting is they are kind ofpenalized by their own success because what
happens is tax credits are dolled outbased on the first so many millions of
cars produced, not millions of carsproduced in the country, but per company,
So they were they're going to runout of tax credits before other companies

(01:16:40):
run out of tax credits. It'sreally sad the way that's happening. You're
a victim of success. But theysay that the EV industry in general is
growing, which is good news ifyou like electric cars. There are some
that believe it's never ever going totake a never take a hold completely because

(01:17:03):
of the grid, and that thegrid won't be able to take it.
I'd like to know what you thinkabout that. I was thinking my next
car might be electric, but I'mnot sure right now. I'm really not
sure. There's, first of all, shortage of battery materials to make batteries,

(01:17:25):
and there's a problem with grids insome states like California are saying they're
gonna make it so unless you havean EV you can't even get into the
state that's gonna be Well, that'snot surprising for California. I mean,
those people are crazy. But it'samazing to me that we're moving headlong into

(01:17:47):
the EV industry when we haven't figuredout the infrastructure for charging and keeping them
charged, and we haven't figured outwhat we're going to do about making batteries
or better batteries. And this isall happening because of, of course,
our move toward more green, sustainableenergy. Three oh three seven one three

(01:18:13):
talk three oh three seven one threeeight two five five. Now we're going
to talk about other stuff like DenverRegion, Denver Regenerative Medicine, Denver regen
dot com. A lot of peopleare going on compounded semiglutide or churzepetide in
order to lose weight. It wasoriginally introduced as a diabetes drug. Now

(01:18:42):
what does it do? Somebody asksby text and you can text me at
five seven seven three nine. Somebodyasked, what the heck does it do
to your blood sugar? They said, tom, if if we're going on
a diet and we didn't have aproblem with blood sugar, can we get
low blood sugar from this? Andthat's that's really a good question. That's
really a good question. So whatdoes it do to their blood sugar?

(01:19:03):
So by by decreasing your appetite,what it does for diabetics is it decreases
their consumption and food in general,which des well. Also, it decreases
its move of food through the digestivesystem, which slows the absorption of glucose
right, so evens out glucose,right. But it doesn't actually lower blood

(01:19:24):
sugar. It it does lower bloodsugar in the fact that people are consuming
less all of sugar altogether. Okay, that's true, and it also evens
it out. So is there Iguess what we're asking, is there a
danger of going low sugar. No, all that's happening is you're just eat
You're just consuming less calories. Butthey say, now, and I want

(01:19:45):
to talk about this in a littlewhile, that it's having other plus benefits.
Do you know that some people claimit's helping them to stop smoking.
Well, it does affect something withthe brain. It affects the satiation centers
and the addiction center. If thereis such a thing as something so compulsive
compulsive behavior can also be effect Nowwe'll talk about that. I don't I

(01:20:05):
don't want to give away too muchof that. But Bill, you you
want you have a question about fluorescentlight bulbs, Go ahead. I don't
even know if they make fluorescent.I meant the compact fluorescent. They don't
make anymore. If you're talking aboutfluorescent tubes, they still make those,
but they're on the way out.Go ahead, Bill, what's your question?
Well, that's the question I have, is what's going to happen with

(01:20:26):
the whole walls are going to haveto do a change over. Well yeah,
but that's not a big deal becausethey're making two kinds of bulbs now,
they're making an addition to fluorescent,two replacements. I've seen that they
have the LEDs that can go injust the way it is, and the
starters, those little transformers are starters, won't won't hurt them. Then they
had the other kind and the trulythe best kind, or the kind where

(01:20:49):
you take the transformer out and thestarters you don't need them at all.
And what you do is you wirepast them and put the new tubes in,
or if you're not, if youdon't want to mess with rewiring,
you simply put up a new fixture. Yeah okay, Well my problem is
with fifteen foot up in the airwith it. Stuff is fifteen foot for

(01:21:12):
fluorescence? Well, no, fromthe floor to the ceiling for fluorescence or
for regular My lights are in theceiling. But I got what kind of
lights? Bill? A fluorescent?Regular? Fluorescent? What in your kitchen
or where in your regular house?It's a family room, Okay, you
have fluorescent lights in your family room? Yeah? Yeah, yeah, I

(01:21:38):
just had them put in when webuilt it. So that's kind of weird.
I mean, I've never seen fluorescentlights in a house except maybe in
a kitchen or something. Well,I got fluorescent in the in the family
room, Like, do you havea lot of them? Is it really
bright? Yeah, it is reallybright. And but you know I got

(01:21:58):
fluorescinal I got them down stairs,I got I probably got fifteen lights.
Fish, Why did you do that? What's that? Why did you do
that? I don't know. Whatwas easy to do? I guess at
the time. Well, because thisis the I did this in ninety six.
Oh my god, never mind,Now I understand. Okay, that
was the rage fluorescent lights. Noone puts fluorescent lights in houses anymore.

(01:22:23):
But Bill, listen, here's thebottom line. They can all be converted.
It's not going to be that much. In fact, you'll you'll make
up for it in energy and inlifespan where you never have to go up
and change them anymore. Well,you will, but they last for so
damn long. We have more comingup. Three oh three seven one three
talk seven one three eight two fivefive Go with a sure thing Denver's Best

(01:22:49):
roofer Excel roofing dot com. Youdon'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 coverageat dozens of insurance companies find out now
three all three seven seven to one. Help. You'll think you're his only

(01:23:09):
customer when you choose Frank durand thereal estate Man dot com to list your
home with Remax Alliance three all threenine two zero sixteen twenty two. Hi
Tom Martino, you're troubleshooter three ohthree seven one three talks seven one three
eight two five five. I wantto go to Barry Miller. Now you

(01:23:32):
may have heard that name before.Barry Miller. I've known him for many,
many years. In fact, yearsago, I remember interviewing for Channel
four on buying broker. It wasthe one of the It was a brand
new concept. No one ever evenheard of a buyer broker. I think
Barry, you were probably one ofthe first I've ever interviewed or was around.
We didn't you pioneer that area ofreal estate? We did it?

(01:23:57):
Happy that it all started right herein Denver, Metro Colorado. Did you
actually start it? Well, thereare two guys before me, one in
California one in Virginia. They didit locally. I went and met both
of them and they said, ohno, no, it's too good,
we're not spreading the words. Soyeah, I came back to Denver both

(01:24:19):
those trips and said, you knowwhat, we're going to start it and
go nationwide. So yeah, Idid start right here, and I was
so I was one of the firstjournalists ever to talk about it. I've
loved totally. Yeah, totally thefirst Wow, I remember do you remember
the interview way back? Oh?I remember on East on the oh,

(01:24:40):
just off of Hampton and Yamy wayback. Oh, okay, that was
my radio show there too, that'sright, and then there too. Yeah.
So now listen, I want totalk about what you're doing now as
well, because I heard Michael Browndoing one of your commercials about vest Era
Investments, and I'm going to tellyou my first impression. I said,

(01:25:02):
well, this is a bunch ofbees. What are you talking about doubling
my money? Bet? Okay,come on, man. So I figured
I want to delve more into itthan just okay, double your money,
because look at Barry, you knowas well as I do. You've been
around a long time. And Ido respect you. By the way,
this is not an ambush. Butyou know people, when people promise like

(01:25:23):
this, you think, what thehell's going on? So just tell me
what tell me what the hell's goingon? Total total, right now,
right now. And I want tomake something clear, by the way.
I want to make something clear,seriously, this is not a commercial.
By the way, this is nota commercial. I called him just out
of the blue and said, Barry, I need to talk to you about

(01:25:44):
this because I always talk about investmentsand stuff. Okay, I just wanted
to make that disclaimer. Go ahead. Yeah, no, that's the folly.
I mean, yeah, two hoursago, I did not know we
would be talking. Yeah, youknow, that's that's it. But it
is based heavily on heavy duty,thorough I mean bigger than Moody's does research

(01:26:10):
out of over two hundred and twentymetro areas in the country, heavy research,
and it takes us two and ahalf months of research every October through
December. Long story, made surewe come up with five or six of
the absolute best real estate cities.We call them cities. Okay they're metro

(01:26:30):
areas, yeah, but metro areas, but cities where the return of appreciation
is the highest anywhere. But thenwe go and we call them. They're
people, but I find the bestfire agent microscopes. We call them and
I said, look, you haveone hundred neighborhoods in your city. Find
me the best five or ten highestreturn, most popular, best rental areas.

(01:26:57):
And we have a couple secrets.You know, I can't reveal at
all, but we keep it inthe price range under the national median price,
which is four hundred thousand. Okay, so we are in cities where
the median price is under four hundredthousand. The return every single one of

(01:27:17):
our customers this year, the returnall our new customers. The returns that
are projected conservatively are fifty two percentor more for the first time. So
well, that's doubling your money intwo years, Barry. I want to
ask this though. I want toask this when you say the returns,
so these are not reachs. Theseare individual purchases or they pulled money for

(01:27:41):
example, Yeah, thank you dude. Do five people buy a house,
do twenty people? Do you allbuy the same houses or do you buy
different ones for different people? AndI don't buy any of them. The
consumers. As you said, theythemselves become the owners of the property.
But we're fully turnkey oversee the management. We pick the managers, we find

(01:28:02):
the buyer agents, we find theneighborhoods the property managers find out, but
we find insurance brokers in that localarea. All all of our hotspots in
this year happened to be all rightto the Mississippi. Now, I have
a ton of questions, so Iwant to put you back on If you
have some time, I'm going toput you back on hold so I can

(01:28:23):
take a break and some calls inbetween. But seriously, like all kinds
of questions, like how it worksand if if it's always one to one,
or are people pulled or a riskor anything like that. So hang
on. And I'm talking to BarryMiller, who is a real estate broker
and he pioneered the buyer broker inthe entire country. He also is doing

(01:28:45):
this thing called Vista Investments, andthat's what I want to know about.
It's, by the way, it'snot a security so he's he's allowed to
sell it. It's an exempt ornot even exempt. It's excluded from any
securities laws. The way he's doingit, So it's very very interesting.
So hang on. And although Idon't know, I might. You know,
that's one thing I want to talkabout because sometimes when you buy something

(01:29:08):
and depends on the efforts of others, some people could call out securities,
but I doubt it. I doubtit. So I want to talk to
Bill. Excuse me, Jack,Jackie or Jacqueline. Did you say you
just had a scam call? Iwanted to make sure we alert people what's
going on with that, Jacqueline.Yes, Kathleen, it was somebody calling
me saying I know you you checkaccount is that Wells Fargo, and we

(01:29:33):
want to refund you a bunch ofwith public service, refund you some money
and we need your checking. Weneed your account information, the routing and
the account number right correct, hesaid. And the agent down at the
bank is James Adams at twelve fortytwo par Street, et cetera, et

(01:29:54):
cetera, and gave me the phonenumber. So I said, you know,
call me back in two hours.And I went down there and talked
to will Spargo employee and he said, hey, they don't have James Adams
be the prefix of the phone numberwas wrong, and he said it's a
scam. Don't give after checking account. Do you have that phone number,

(01:30:15):
by the way, sure his phonenumber. I don't want to. I
don't want it right now. Iwant you to give it to Kachina off
the air. Okay, okay,I just want to. I want to
research this, So hold on,Jack Jacqueline, thank you very much.
Three oh three seven one three tongseven one three eight two five five.
People listen, don't ever, ever, ever, ever ever buy into the

(01:30:38):
refund to your account, the creditto your account. We made a bad
charge to your account, a fraudwe found on your account, and now
they want to. The whole ideais get access to your account never ever,
ever. A bank will never callyou to get access to your account
ever. I'm telling you they don'tdo it. Three O three seven one

(01:31:01):
three talks seven one three eight twofive five. Kachina, could you just
read that note for Lyne one andlet me know what's going on with that
one? And then I got morecoming up on the Troubleshooter Show. Go
with a sure thing Denver's Best rooferExcel roofing dot com. You don't pay
a cent until you're content. Timefor an insurance checkup free, no obligation

(01:31:28):
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find
out now three oh three seven sevento one help. You'll think you're his
only customer when you choose Frank durandthe real estate Man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.
Hi Tom Archino here. Okay,so let's go to Villus. Question about

(01:31:51):
Sema glue tide. Go ahead,Bill, what's happening? Oh? Yes,
I'm on Samaglue tide. Uh.I'm I just took my fourth injection,
and I'm I'm on a small dosebecause I just started on a point
five US or whatever it is.I don't or five, but right now

(01:32:15):
I don't feel anything. I'm stillalways hungry. Hey, Bill, let
me ask you something. You youIt usually takes They usually build you up
over four injections. Do you knowhow many units you have? Do you
know how many units you're on?Yes? Uh, it's point I think
it's point five. Very small.No, I mean, okay, how

(01:32:38):
to convert that to US anyway?Bill? Bill? It does take a
little while doctor, Joel, whatwhat do you have to say about that?
It does take he has to getup to that full dosage. Yeah,
and that usually takes four weeks toget people up to that full dosage.
I would say give it another thirtydays. But now once you're up
to the when are you going tobe up to the full dosage? Bill?

(01:33:00):
Well, next week I start onten ten milligrams or point ten?
I don't okay any First of all, I'm not talking. I'm not sure
what you're talking about when it comesdosage, but I can tell you this,
twenty units is a full dose,twenty units, and I won't be

(01:33:20):
on that for another month. Okay, they're kind of taking you extra slow.
If you've already been on it forfour weeks, you should be up
to a full Listen, I'm notgoing to second guess your doctor, but
but normally they take you up toa full dose within a month. Yeah.
Well, they must be starting meout slow, because let me ask

(01:33:42):
you something. Are you on thebrand name or are you on the compound?
The compound and and okay, okay, well we get from Denver region.
Okay, well hold on you guys. You guys don't take two months
to get them. He's says,you've been on a month already, Bill,
how long you've been on at totalof four weeks and you're only at

(01:34:08):
a half okay, and you stillhaven'te And and then this week I started
ten in this thyringe. Okay,So they must have we must have started
you off a little bit slower thanmost people for some reason. Uh.
But I would say give it afew weeks once you're on the full dose

(01:34:29):
before you decide whether or not it'sit's working for you. Uh. And
if you still aren't feeling any effects, get back in touch with Tye,
our patient coordinator, and he'll gothrough everything with you. In fact,
I would recommend that you reach outto Tie now. Why don't you call
him right now? Really, youshould call him right now. And again
I've heard this from people directly thatafter you're on the full dose, after

(01:34:53):
you reach full dose, you'll feelit. In about two weeks at full
speed, you'll you'll start and thenbecause your body gets used to that.
And again, I'm not a doctor, I'm just telling you what people have
told me. Three three seven onethree talks seven one three eight two five
five. I want to talk againto Barry Miller. Barry Miller, he
is a real estate broker. Hehas been around for years and years and

(01:35:15):
years in Denver. Fully trusted.I trust him fully, I really do.
You don't last this long without havinga great reputation. He's doing something
called Vista Investments. And again,I want to make this very clear,
this is not a commercial, thisis not a sponsorship. I'm talking to
him about it because I heard aboutthese returns. And what he does is

(01:35:36):
he buys real estate in a greatmarkets and they're in it for the appreciation.
Barry, I need to ask justa couple of questions when you do
these investments. Do you do oneto one in other words, one investor
comes to you and then you hookthem up with one or more properties,

(01:35:56):
or do you pull the money.We do not pool the money because that
would be securities, and we arein real estate. More cannot security,
so we cannot initiate pooling of themoney. Okay, So what you do
is if I come to you andI say, Barry, I have fifty
grand, one hundred grand, whateverI have to invest, you take me

(01:36:20):
to a specific investment or two orthree for me? Well yeah, yeah,
yeah, And we would sit downwith you, you know, for
the men. However long it tookto say, what is it that your
financial objectives are? Because some peopleare retiring in six eight years and they
want to have cash flow of abig nature, like ten grand a month

(01:36:42):
in six or eight years. Well, that'll be a particular plan. Other
people say, bet. Most mostof our customers say, Barry, get
me that highest return that we hearabout. Yes, we'd like to double
our money in two years. Now, Barry, do you do the people
who come to you for vesterra investments? Do they come to you for monthly

(01:37:03):
income off the rents or do theycome to you for appreciation of the equity.
Truthfully, I could say both,but the whole truth would be most
all of them for the equity gain, because that's where the big money is.
When researched properly. It's safe ascan be in residential real estate,

(01:37:27):
but it has to be researched bigtime. Okay. So if they come
to you for appreciation and they putmoney in, is that that's money I
assume is used for loan for themto get loans on the property right down
payment down. Most people are puttingthe twenty five percent down. Now,
when they put twenty five percent downon a property and they get the property

(01:37:50):
financed, do they always run apositive cash flow? Our requirement is the
only properties will look at, meaningneighborhoods and properties have to have a break
even or positive cash flow in thefirst year, and it has to get
better in the years after that.And how long do your people expect to

(01:38:12):
stay in that property before they selland appreciate and get appreciated? Yeah,
go ahead, Yeah, and thatone, Tom, that's always always a
very pertinent question. It depends onwhat their financial plans are. Again,
someone retiring in eight years, youknow, we're structuring it for them,
or twelve years some of them want, you know, family passed down,

(01:38:33):
generational wealth. It could be alittle longer, but most of our owners
have a plan that is definitely inwhat we call mid range, closer to
the ten year period. However,we do say, now, do you
want to double your turns in amatter of years? They said, yes,

(01:38:56):
how do we do that? Tenthirty one time, We'll take one
property and in two years sell itand buy for those people to properties,
doubling their amount of income return.Okay, And no, cash out of
their pocket. Now, Barry,I'm going to ask you some other questions
coming up, and I appreciate yourpatience. I want to know, do
any of your investors ever suffer negativecash flow? What if my property needs

(01:39:19):
a furnace? What if? Whatif? What if? All of that
coming up on the Troubleshooter Show.This is fascinating to me, by the
way, and I'm happy to betalking to Barry about it. More coming
right up. Go with a surething Denver's best roofer Excel Roofing dot com.

(01:39:42):
You don't pay a cent until you'recontent. Wait time for an insurance
checkup free, no obligation. Incomparison, call Compass Insurance paying too much
your coverage at dozens of insurance companiesfind out now three oh three seven seven
to one help. You'll think you'rehis own week customer when you choose Frank
durand the real estate Man dot comto list your home with Remax Alliance three

(01:40:05):
all three nine two zero sixteen twentytwo. Hi tom Archino, you're troubleshooter
three all three seven one three talkthree oh three seven one three eight two
five five. By the way,I'm talking to Barry Miller, and he
has uh, he's been a realestate broke for years. And we have

(01:40:28):
some interesting comments on our from ourYouTube. I lovely call him YouTube warns.
And I'm sure that they probably lingerin the in the questions of people's
minds in general. They're pretty reflectiveof They're pretty reflective of people what they're
thinking. Okay, so some ofthe questions. First of all, this

(01:40:49):
is a private investment. So whatabout tax implications. Do they get right
offs? Do they get gained notgains, but do they get income during
the year or do they suffer losses? Somebody, you know, I can't
believe that a house would be perfect, or an apartment or whatever. They
buy duplexes and that's another thing.What kinds of properties? And what about

(01:41:10):
furnaces and air conditioners and septic systemsor whatever, drain problems? What about
it? All of it. Wehave a requirement that the property to the
triple check. Now we have abuyer agent who checks it first before it
comes to us, that he sendsus the numbers. The numbers have to

(01:41:31):
meet certain criteria. We have aproprietary analysis of the property. But deferred
maintenance we call all those things hada septic tank issue. Today it was
cleaned out and certified less than ayear ago. We must have a strong,
strong, written inspection report that makesit appear clearly clearly that in the

(01:41:58):
next two years there will not bemore than seven thousand dollars of deferred maintenance.
Now, that's getting into the furnaceand air conditioning. Okay, they're
the two big items we look at. Roof is also the third big item.
We are finding what we call cherrypicked properties and neighborhoods that do not
have many rentals. Newer homes typicallyunder twenty years and if they're twenty years

(01:42:24):
old, we have to make surethat the furnace that heat pumps back east
you know they use them. Butthe same idea air conditioning that everyone including
the arms length home inspector says everyindication is this house will not have deferred
maintenance items of over seven grand inthe next two Sometimes we push and say

(01:42:47):
tell us two to three years now. We also don't want at the end
of three years four problems the totalseven or eight thousand tom. In our
four years of being reactivated in twentynineteen we reactivated, we have had zero
problems The biggest problem was the thirteenhundred dollars replacement of a door. When

(01:43:09):
I got involved because we oversee themanagement, that turned down to that turned
out to be an under four hundreddollars new front storm door. So we
are hitting the mark, but it'sthrough real, real, thorough research and
monitoring every single property that every oneof our customers buy. Is it totally

(01:43:29):
hands off for the investor? Itcan be totally hands off. Some of
them like to be more involved thanothers, but that's typically just a little
bit more involved with us than askingus more questions that we welcome that,
and we love skepticism in the beginning, and we loved communications throughout the brand.
I didn't get to all my questionsfrom my people. If you can

(01:43:53):
hang on, I'd truly appreciate it. Go with a sure thing Denver's Best
roofer Excelroofing dot com. You don'tpay cent until you're content. Time for
an insurance check up free, noobligation. In comparison, call Compass Insurance.
Pay too much your coverage at dozensof insurance companies find out now three

(01:44:13):
oh three seven seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateman dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two Ripped News. You

(01:44:33):
needed that so you don't have comerun in as as a cam shooter's gonna
help come Dix is the Troubleshooter Show. No Tom Martinez, Oh, welcome
to the show. I'm Tom.Solving your problems, answering your questions,

(01:44:56):
taking your complaints, make your lifejust a little easier. I hope that
you've been hearing my call with BarryMiller. I'm going to go back to
that. I also have doctor JoelTrudak with me Denver Regen dot com about
Semiglue Tide and we have questions aboutthat as well. So we also have
an update about the bows radio thata couple they moved and it was smashed

(01:45:19):
and they needed a new one,and we'll go to that one. In
fact, let's do that right now. We have a deputy a dollar depty
dollar. This problem occurred when thisolder couple they were moving and their Bow's
radio was destroyed. Right is thatit in a nutshell And of course the

(01:45:42):
movers as usual said there's nothing wecan do about it. Linda and Dean.
What happened then? So then acouple of weeks ago, Linda had
called into the show and a listenerheard the call and said, oh,
I have a bowse radio that I'mnot you using, and he dropped it
off here at the station. Andthen when I when I came in this

(01:46:05):
morning, I asked Kelly if itwas here, and she said yeah,
and I called Linda and they liveabout two minutes from the station. Oh,
no, fooling yeah, And theyjust came right over and they're the
sweetest little couple and they were sohappy. They brought a CD to test
out, you know, if thatworked, but they were so thankful to

(01:46:30):
the efforts. And that's cool.Yeah, I did not realize that that
is so wonderful. So they have. In fact, you know, it's
been a while since I used mydinger, so I may as well use
it, because if you don't useit, you know what they say,
you lose it. So here's thedinger. And thank you for that listener

(01:46:51):
who provided that you working on anythingelse? Dollar, Oh yeah, I've
got a couple other ones that I'llhave updates here in the new Kay day
or two. All right, bythe way, you can call us.
We got another hour to go threeall three seven one three talk three old
three seven one three eight two fivefive. In fact, if you have
any questions for my guest Denver Regendot com on stem cell therapy or Semaglue

(01:47:14):
tide for weight loss that you've heardabout, they provided at just two hundred
and fifty bucks a month. Nowthe other thing I'm talking if you have
any questions for Barry Miller. BarryMiller is you know I met him many
many years ago. I met Barrymany years ago and he was doing he
was he pioneered the buyer broker inreal estate. He literally pioneered it.
And I did a story on himand interviewed him, and then over the

(01:47:38):
years I've watched him and he's donethis. He's doing this thing now called
Vestera Investments, where really it's it'snot a reed, a real estate investment
trust, it's not a pooled investment. But what it is is he advertises
and people want to get into realestate. He does it all basically as
far as the management and the prospectsand the buying the properties are helped them

(01:48:00):
by it, and these consumers cometo him. It's not pulled money.
So a consumer will come to him. He'll set them up in a rental
somewhere in a great market, hesays, with good appreciation. But I
have some very basic questions. There'salways risk when you're in the rental business.
So what could go wrong? Obviouslythere could be losses, But so
far, so far, you're saying, and again you know there are no

(01:48:25):
guarantees in anything, but you're sayingso far in how long you've been doing
this? Now? So Tom,the company started in two thousand and three.
I had some terrible family situations.I had to shut down for about
eight years, from twenty ten totwenty eighteen, so roughly fourteen good solid
years. And really the losses thatwe had, the only losses were because

(01:48:49):
of the Great Recession. I wastelling some of our rights sell, sell,
and some didn't sell soon enough.Now right now, though, Tea,
Yeah, we got super active,super active more than ever before,
because I have wound down my realestate professional practice because of this, and

(01:49:09):
we have had no losses, zerolosses in four years. In four years.
It's not quite one hundred properties,but it's approaching one hundred properties and
now we're growing exponentially. Okay,next thing, do they get passed Do
your people get passed through write offs? Yeah they do. That's up to

(01:49:31):
their situation with their tax you know, prepare, but yes they do.
Because some of them are taking youknow, accelerated depreciate. I always warn
them that when they do that,that's good for those years. But when
they sell it, let's say,attend thirty one, they they're going to
have to give back that gain.But no, but we're we're killing it.

(01:49:54):
Okay, because there's recapture of gains. But sometimes it's better to take
the deduction in your high income yearsand then take the gains later on recapture
in your lower income years. Sothey do get some tax right off.
So they do, of course makemost of the time long term capital gains,
right because they're keeping them longer.Well yeah, yeah, and then

(01:50:15):
when they sell, you know,it's usually in an exchange situation. But
eventually, you know, when peoplewe have some wonderful listeners from okay,
how of course, who are intheir mid eighties now, and they're just
saying, we're not ready to slowdown yet, you know, but when
they do it. They're going tonot be hit with terrible capital gains.

(01:50:36):
We all think they're terrible, butthey won't be hit as hard as whether
they would have when they were intheir fifties. Okay, Now as far
as as far as let me seesomebody says here, people say these investments
sound almost too good to be true. That's one of the COIs. Okay,

(01:50:58):
but you're saying it. The proofis in the pudding. And of
course there's no guarantee now, butconversations and meeting with us and then seeing
the numbers. We everyone who comesto us after they I mean, we
want skepticism, but they have tosign a non disclosure because we reveal to
them actual properties that are recently purchased. If they want a four year old

(01:51:20):
property. They want to talk toour current customers, but they do sign
an NDA so that they don't gotelling some sloppy real estate or securities person,
you know, and then and thensomebody's going to hurt them. Okay,
but this is really important to you. Is it totally If I come
to you and I don't want tomess with anything, is it all hands

(01:51:42):
off? Other than signing my name, other than signing your name. You
get an annual report from the propertymanager. You get monthly reports from the
property manager. But it's hands off. We are fully turnkey. That's why
we really are pushing the change ofour name. We changed our I haven't
done it at the Secretary of State'soffice yet to invest Terra turnkey investments because

(01:52:06):
we are now totally turnkey. Okay, the next thing, how do you
make your money? You never trustanyone till you know how they make money.
Right now, Oh you bet youbetter ask that question. Well,
the consumer does not have to payus anything directly, but Tom, you
know that both with commissions, thebuyer commission, the buyer broker commission and

(01:52:30):
the seller broker commission are built intostill even with the court cases, into
the asking or selling price of course, purchase price of the property. Okay,
we're doing over half the work havingthe buyer prepared. So the buyer
then goes to our selected buyer agentin let's just say North Carolina. The

(01:52:54):
North Carolina person becomes our customers buyeragent. They close the transaction, that
buyer broker sends us in round numbershalf of the commission that they received.
That's how we get paid okay,but hold on, then what about I
would imagine that's pretty hard to sustainwith all you're doing, I mean just

(01:53:15):
the buyer commission or half of it. Do you make anything on the management?
No? Nothing on the management.No, no, No, it's
not hard to sustain. We haveit down to very very efficient. If
you will on behalf of the consumerbusiness processes that in ballpark figure, fifty

(01:53:36):
percent of that buyer broker fee thatcomes back to us covers our expenses,
our research, which is the bigbig item, and we make a profit.
Okay, I mean that's wonderful,but wow. So but do you
also get them on the way outwhen they sell? And I don't mean
get them, I mean do weget a referral fee from the seller agent?

(01:54:01):
Yes, we do. It's alittle it's modified, it a little
different because we don't do as muchwork and we try to get that seller
agent. So your total commission,your total commission is on buying and selling.
Absolutely, and then there's no onebetween you. Don't you don't charge
me a fee at all? Nofees at all. No, there's an

(01:54:21):
optional fee if you want us todo extra extra like what search and I'll
tell you what it is over seethe property manager. In other words,
people are putting us in charge.Say up to a five hundred dollars problem,
Barry, we want your team totake care of the problem. Well,
hold on when you say property manager, do you have? Then you

(01:54:44):
turn when I give you the moneyor invest the money, and you set
me up. Do you find theloans? We find the loans. We
get no money from that. Wedo not. We find the property manager.
We get nothing from them. Butyou pay us, ridging out about
two hundred and fifty dollars a yearper property. If you want us to

(01:55:06):
oversee the manager themselves and the managementof the property. Do you use the
same management company in each market?We have one, no more than three
in any of the bigger markets.And the property managers you've been working with
and you trust them, Oh,we trust them. And I mean my

(01:55:27):
wife and I are in the company. She has to line up in line
just like all the other customers.And we do that very open book,
paper flow process. And I goto the when we pick a hotspot city,
I go there. I mean Imeet the property managers and all the
people actually working the properties. Imeet the local insurance brokers, of course,

(01:55:50):
I meet the buyer broker and sellerbroker. I meet attorneys. North
Carolina is an attorney state, unlikeColorado. So I meet the attorneys who
do the closings, and we makesure that they are pro customer, pro
consumer centric, consumer centric people,and yes we trust them. But no

(01:56:10):
matter what, it's my house,my loan, my responsibility. So if
the and again I'm not looking fortrouble, but if the management company goes
tango uniform or if the uh,if the you retire or of them,
you know, I mean, it'smy ultimate responsibility to get rid of the
property or to keep it going.Ultimately, it is at our company invest

(01:56:35):
there now we have two companies,vest Sterra Turnkey Investments, and then my
brokerage. We have a couple offailed uh safe systems that are people oriented.
We have three layers of people.Yes, I'm one of them.
If I you know, go,I'm no youngster and uh, but I
have young people coming into the companywho'll take it over. We watch all

(01:56:59):
those things. And yes, nothingis one hundred percent safe, but nothing
no investment anywhere in this great countryof a country. We limit ourselves to
the United States for obvious economic andpolitical reasons. We're not going elsewhere where.
The the risk is much higher.Nothing is lower risk than what we're
doing. We have so many failedsafe systems built in the entire process,

(01:57:24):
and that includes researching the neighborhood afterour customers buy the property. Okay,
so their investment. What's the shortesttime you had someone in and out we
had, Well, the shortest timeis about two years, a little under
two years, and that's because theyhad an economic unforeseen negative let's call it

(01:57:49):
a financial disaster in their family andthey had to get out and they still
made good money. Now, ayear ago, less than a year ago,
I had a person tom her joband we were doing the research on
her property. Her return if shehad to sell it after about twelve thirteen
months was going to be thirty threepercent after sales costs. Okay, that's

(01:58:14):
the worst that we've had. Andthen her job came back and she said,
Barry, I don't have to sellit. Don't have to sell And
she has since purchased another property.Wow, we watch it. We care
about our customers. All it isis microscopic care and macro economics combined,
all the way to microscopic care.You know. I'm talking about walking the

(01:58:38):
streets and making sure we get thebest house at the best time. Sometimes
we put our offers in and they'renot accepted. Fine, we just quickly
walk. We're easily walk. Youknow. If it's not the right property,
we're going to walk through negotiations.People are buying it all time.
High interest rates right now right andhigh prices time interest rates, and this

(01:58:59):
is now. We lost a coupleof hotspot cities because of the high interest
rates. San Antonio, I willsay, was a hotspot city combined with
high property taxes of Texas. Butwhen the interest rates went up, it
was no longer a positive cash flow. I just told the broker and the
people we were working with, Isaid, we got to take you off

(01:59:19):
the hotspot market. We can't workwith you until the interest rates come down
or if you will get Texas tolower their property taxes, and that's not
going to happen. So there's nothingto prevent someone to go to a hot
market, although they don't have theresearch, but if they could find out
a hot market to go there,buy a rental and get a management company.

(01:59:39):
So I've had people go around me. I'm sorry to say yes.
I mean because I mean it's notmagic, right or is there some is
it? Is it all in theresearch or do you do the people know?
Do the manager companies know? Well, Barry's involved. Let's treat these
people extra well I mean or correctcorrect? Think about it. One person

(01:59:59):
goes and they get a manager forone property. Okay, something goes wrong
that property management company loses one customer. With us, they're going to lose
dozens of customers. Our people aregetting great, great attention, all right,
and we know it. We knowit, and it works. But
we have everything gear Tom and bythe way, we love love, healthy

(02:00:21):
skepticism. And we say to allthe consumers you talk to anybody either I
don't care for you know, goahead and we love it. And we're
here to answer questions at anytime.Now listen, I want to make sure
people know this is not a commercial. This is just a real interview.
I had questions. Now here's thedeal. Give out your number. I'm
going to reserve the right to callyou back. If people call in and

(02:00:43):
ask about it, we'll get you. We'll get Okay. What where should
people call for more information? Threezero three eight eight eight three seven eight
eight. And then your website websiteis vest Tara. Now that's via in
victory E s T. That's theword vest as in invest. And then

(02:01:06):
it's Tara t E R R Ainvest in the land, but only one
t vest Tara turnkey dot com.All right, thank you very much,
Barry. Appreciate that we got morecoming right up. Go with a sure
thing Denvers best Roofer Excel Roofing dotcom. You don't pay a cent until

(02:01:30):
you're content. Time for an insurancecheckup free, no obligation comparison call Compass
Insurance. Pay too much your coverageat 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 estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martino

(02:02:01):
here three oh three seven one threetalk three oh three seven one three eight
two five five. Welcome to theshow. By the way, Genesis Tootalexteriors
dot com. Remember them for theirfully uh everything, full service exterior maintenance
and repairs for everything hell damaged.Genesis tootal exteriors dot com. So you

(02:02:27):
have one source, one contact Genesis. Now doctor chart Ach is with us
from Denver Regen dot com. We'realso taking your calls at three O three
seven one three talk three oh threeseven one three eight two five five.
You have a half hour. Youwant to get in, you want to
talk about anything. And again Ilet Barry Miller go, that was,
uh, just a very It's justan interest I had because I heard the

(02:02:51):
ads and I thought, you knowwhat, how when you do these kinds
of promises on returns that's based onthe past, never getaranteed, of course,
But here's the bottom line. Ifyou have a track record and you're
doing it, you're doing it now. There are so many things that come
into play like that. There areso many people promising things. What you

(02:03:13):
need to look at are guarantees inwriting, or you need to look at
track records. And again, there'snothing to prevent another great recession from coming
or anything like that, as ofcourse everyone knows things can happen, right,
Okay, So what is on yourmind today? Well, I have

(02:03:33):
some questions about Semaglue tide. Again. Let me go to my text here
real quick but we did hit uponthe We did hit upon the obsessive behavior.
It seems to be doing well forthat. One texture, by the
way, said they lost on thisseventy five pounds in five months. Holy

(02:03:56):
crap. All right, now,let's talk about the Oh and somebody else
wanted to make a comment on whenI talked about Tesla, they talked about
the Porsche and Macon, the MaconA twenty twenty five making it's it's an
EV vehicle. Let's talk about obsessivebehavior. What do you know about it?

(02:04:17):
I know there was some research onit. There's been some research and
there's been a lot of reports frompatients people have gotten over addiction from it.
That or that's what they attribute toit. Compulsive behavior smoking Obviously,
overeating is a big one because that'swhat it controls. But in addition and
drinking, drinking smoking, I wonderwhy, well, because it it.

(02:04:39):
The theory is is that because ittakes care of the centers of your brain
that are affected by those compulsions,including eating, those pleasure centers of your
brain are satiated by the drugs.So basically it suppresses your compulsion to want
to eat or want to do theseother things. Okay, Now somebody also

(02:05:01):
asks will you ever have pill formin some of glue tide? I don't
even they have that. That doesexist. It's very but is it as
effective? Not at all, whichis why we don't offer it. You
have to take more or you haveto take it more often. I don't
think that it works very effectively atall. I think because it's passing through
your digestive system that it gets brokendown to the point where it's very I

(02:05:24):
would say you'd probably have to takemore and more often. You probably have
to maybe even Daly who knows.I mean, it would be a waste,
right. You see some online pharmaciesoffering that for discounted prices, but
really it's not a very effect Doyou find that injections are a barrier to
entry from a lot of people?What percentage once they speak with us?

(02:05:46):
It isn't because really what it isis a minor insulin injection, so it's
a really thin nied. It'll besurprised though, how many people can't inject
themselves. I remember when I starteddoing testosterne shots, I never thought millionaires
I could do it. Well,this is different. Obviously, it's a
much. Well, no, it'smuch smaller. But once you get over
that, you can do it.I mean, I don't know how to
explain it. It's just almost thatinitial thing. But the insulin needle is

(02:06:12):
it's it's a mosquito, but it'sit's painless after you do it the first
time, it's it's a piece ofcake. Okay, So you know,
we can you can always. Oneof the benefits of our clinic and our
clinic being local is that you canalways come in and our staff can show
you how to do it. Thatbeing said, I don't think we've had
one patient come and take advantage ofthat. Uh. The so everything is

(02:06:32):
sent to them, ship to them, everything is shipped to them. So
right now somebody else want to know, is everything virtual from the right from
the get go? It can be, and most patients opt for that.
The convenience of of being able totalk to the doctor and talk to the
to our patient coordinator remotely is aconvenience for most people. That being said,

(02:06:55):
we always offer anybody if they wantto come into our clinic, they're
welcome to do so. Three threeseven, one, three eight, two
five five more Right after this,go with a sure thing Denver's best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time
for an insurance checkup free, noobligation. Comparison call Compass Insurance paying too

(02:07:17):
much your coverage at dozens of insurancecompanies find out now three all three seven
seven one help. You'll think you'rehis only customer when you choose Frank durand
the real estate Man dot com tolist your home with Remax Alliance three all
three nine two zero sixteen twenty two. Hi Tom Martinez here three all three

(02:07:40):
seven one three talk three h threeseven one three eight two five five Java,
what is happening? And I'm sureno one has ever called you Java
the hut? What's going on?Oh? Yeah they do. So I
have a story for you about peopletrying to get past that insulin needle you
know, you in your body.It's not that big a deal. Yeah,

(02:08:03):
Well, I personally have injected itinto my member for viagra, And
I mean, does it stuff workor what? Now? Get over that?
What do you mean by that?I think what he's trying to say
is that he has no problem object. Oh my goodness, Oh that you're

(02:08:30):
talking about the ed shot. Yeahyou lane. Oh he's a that's his
GPS. So listen, hold on, bro hold on. Are you telling
me that you've done that? Ohyeah, I got prescriptions for a year

(02:08:52):
to do it. And and okay, this is a family show, but
we can talk about this a littlebit now. You got to be pretty
so nothing else worked? Is thatwhat you're saying. No, that's just
what they prescribed. It was justa helper, you know. And is
it like us? Is it assmall as an insulin needle? Exactly?

(02:09:16):
Yep, exactly like it. Itis an It is an insulin needle.
It's the same thing that we use. It is the same thing. How
do you know about it? Well, because we've offered that the patients as
well. You have okay, youoffer that service as well. So no,
seriously, So that's what the man'smen's clinics and all those you hear
advertised say, you know, comeinto the office. If the dose do

(02:09:37):
work, they use an insulin needle. Okay, yes, but I do.
Hold on, hold on, holdon those men's clinics and stuff.
You don't put it into your penis. They just put it in your body.
You put hormones in your body orwhatever. No, No, we're
not talking about testosterone. There aresome clinics. I know. I'm talking

(02:09:58):
about the actual stuff like viagra,And you put it directly in. I
know, I know exactly what you'retalking about. And it's not viagra medicine.
It's not even close. It's adifferent kind of medicine altogether. I
know all about it. I mean, I shouldn't say I know all about
it. I've heard all about it. It's just that I couldn't even imagine

(02:10:18):
someone doing that. I mean,you gotta be truly really, I don't
know, y yeah, yeah,yeah. And by the way, I
believe the reason for that is thatit constricts venus flow, and the venus
I don't know. Then you know, the yeah, venus flow. In
other words, what it does isit keeps it from outflowing. Most men

(02:10:41):
have a problem. You see.What viagra and the others do is increase
the inflow, and they hope toincrease it enough where the outflow can the
inflow will keep up with the outflow. But as you get older, the
leakage or the outflow of blood ismore severe than an anything you can put
in. So that's why those needsme though, Tom hold them. What

(02:11:05):
was killing me was when I wastaking set of phil or all those ye
yeah, yeah, my head,my head, my head, shoulders,
on my head, on my shoulderswould feel like it was exploding. A
lot of people have said that,a lot of people have said that,
and again, you know, youknow, we can be we can be

(02:11:28):
sophomoric about it and all that,but there is a problem with a lot
of men with ed as you getolder, and it's not nothing to be
ashamed of, but but truly,those injections you're talking about, more power
to you if you can do it, and that is to restrict venus flow.
That's exactly what it does. Imean, that's exactly and all I
know is it works. Yeah,okay, so I don't know how you

(02:11:52):
get over it. But again,congratulations, because if I ever went to
one of these men's clinics, Isay, I never went to one.
I heard the commercials, but canyou imagine if I walked in and they
said, oh, by the way, here's what we have to do.
I'm thinking, what I mean,I never even dreamed of that. I
never even heard about it. Ithink, who was it that somebody told
me about it? And said,you know what that is, right?

(02:12:13):
And I said what those commercials?You know what they are? They're injections
And I said really, but butdoctor Cherdak, you guys, so you
do testosterone too, right, Yes, and you do a testosterone along with
sema glue tide, you do,you know, so you do the weight
loss, you do the stem celltherapy, even hair therapy, the PRP

(02:12:33):
and stem cells for hair growth.So basically anything to do with the hormones
and the regenerative minds, regenerative medicethe right. So I did not know
you did those injections though, Andhow the heck do you do you teach
people? How do they get overit? Do you get the same reaction
this ew? We do? Andit's pretty rare that we have those patients

(02:12:54):
that need that service. Yeah.Primarily the patients that we have are on
you know, your generic Biagora,your generic Cialis and things like that.
But in the rare cases where thoseproducts don't work, the injection is the
next step up from that. Allright? Three oh three seven one three
talk three all three seven one threeeight two five five go with a sure

(02:13:16):
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(02:13:39):
when you choose Frank durand the realestate Man dot com to list your home
with Remax Alliance three oh three ninetwo zero sixteen twenty two. Hi Tom
Martino, your troubleshooter three oh threeseven one three talks seven one three eight
two five five finish out the showwith Denver Regen dot com. And we

(02:14:03):
were talking about we got off onsome crazy stuff today, but that's okay.
We can talk about anything we want. All you have to do is
call us at three zero three sevenone three talk seven one three eight two
five five. So here's the dam. Here's the thing is if you want
to do this semiglue tide, that'swhat they're doing, okay, and they're

(02:14:26):
doing it cheaper than anyone. AndI say cheaper is cheaper. Two hundred
and fifty bucks a month is prettylow cost. The Church Sepside Church's eppetite
is a little more, but it'swell worth it. And they also,
of course, as we heard,do other services for men, uh for
you know, testosterone treatments or forhair growth to thickening hair, all kinds

(02:14:50):
of stuff. Stem cells, Andwe don't talk about stem cells a lot,
but I just want to touch onthat a bit. Stem cell therapy
is still going strong, and ofcourse we've been shifting our advertising with you
more toward the weight loss thing becauseit's such a hot commodity. But I
can't help but say how that stemcell therapy helped me. In fact,

(02:15:11):
I'll tell you what. I cameso close Joel to not doing the surgery.
The reason I did a surge,I told people I had nothing to
do with pain at that point.It had to do with the point that
my bone was so far gone thatI opted for that implant. But had
it not been because what my doctorsaid was, I'm so happy you're out

(02:15:33):
of pain, And he said itmust have been stem cells because we didn't
do anything and I was off alldrugs, all pain, and then I
opted for that because what he saidis when you get into your if you're
fortunate enough to live to eighty ormore. You know, this is gonna
be a problem now. I imaginewith stem cells there are people who are
just too far gone. But nomatter, I can't believe with the amount

(02:15:56):
of deterioration I had that it tookthe pain. I just can't. I
always tell you that that I wasblown away by it. Yeah, well,
you know in your case, andwe talked about that. You know,
you were at a pretty severe issuewith your back. You guys were
honest with me saying, yeah,we can get rid of your pain maybe,
but we're not gonna get rid ofthat condition, right. And we
have patients with all levels of degeneratearthritis and other conditions and their joints,

(02:16:20):
and we'll be honest with them andtell them, you know, based on
our experience, what percentage of improvementwe believe that they'll so experience. But
it never ceases to amaze me aswell, how bad somebody's deterioration can be
and we can eliminate the pain.Here's why you don't get credit. Maybe
it happened three months later gradually,and I was out of pain. And

(02:16:43):
then I said to my wife,I'm out of pain, man, And
she said don't you remember because shewas with me? Right? She don't
you remember we were there? Yougot stem cell? I mean, I
joel. It sometimes is so subtleafterwards, people aren't connecting it with the
treatment. They're expecting your treatment towork two weeks later. In some cases

(02:17:05):
it does well. Okay, okay, you know, it's just it really
depends on the patient. We tellpatients, you know, it takes about
thirty days before you start really noticingsome significant effects. But that being said,
we have a thirty to ninety Iwould say, right, is not
unusual? Or is that too waylonger? It also is dependent on the
body part two. Oh, sothe lower back because there's not as much
blood flow as there are to takelong the other joints. It does take

(02:17:26):
longer for people to notice results.But we're talking about a knee or a
hip, which are our bread andbutter joints. I have a silly question,
and again this is a silly question. We're running out of time.
So I was thinking, you know, I work out, I still get
ags and pains. Everyone does,right, Can it help with normal ags
and pains? Or you don't recommendit? It's only for deteriorated condition.
No, absolutely. The sooner youget on top of regenerating your joints,

(02:17:48):
the less pain you have to obture, and the less degeneration you're Denverregen dot
com. We're out of time.By the way, thanks for being here.
Back here tomorrow and remember three allthree seven one three talk no better
yet. Three oh three Martino threeO three Martino for help, information and referrals.