The Troubleshooter 5-14-24

Episode Transcript

(00:00):
Yeah, ripped up bad news.You need advice so you don't have the
come. Run in just as fastas we can. Shooter's gonna help coming.
Man. This is the Troubleshooter Show. No Tom Martino, Hey Tom

(00:27):
Martino here, Welcome to the show. Three oh three seven one three talk
seven one three eight two five five. As you'll see in my wide shot
here, I have a guest.It's from excel roofing aseelroofing dot com.
So far we haven't gotten into thestorm season. We surely will. You
need to be really really really reallyuh prepared. One of the biggest problems

(00:47):
we find our contracts are not legalaccording to the state, and they also
have hefty, hefty cancelation clauses.Many of them don't specify materials as they're
supposed to. They don't specify anypayments. What they say is we'll do
whatever the insurance wants. As youknow, that is one of the worst
things you can do is to signa contract that says whatever the insurance will

(01:10):
do. I'm sorry, I don'tcare who they are. That is not
the way to sign a contract becausewhen they say we'll do whatever insurance pays,
what they're saying is whatever the insurancesays you need, we're going to
do. But what if you needmore than that? How many times do
you see a job where they needmore than what the insurance recommends, or
the insurance won't do something, Andnever ever ever let them see the insurance

(01:33):
estimate. A good roofer should bewilling to go on a roof and give
you a complete assessment, then giveyou a complete bid on that roof and
what it will cost. In fact, Excel Roofing does it on their website
excelroofing dot com. It's good,but don't ever pay a roofer up front,
never never, ever, ever,ever ever, And if people don't

(01:56):
like it, here's what I'm goingto tell. I'm sorry, Okay,
I'm sorry. Maybe we'll lose rooferson the referral list. I'm sorry,
but here's the bottom line. Youdon't pay them now. If they deliver
materials, you can pay them.If they start work, you can pay
them. You can pay as yougo. You can do anything you want
now. Excel only does it atthe end. They don't take a cent,
they say, unto your condemn Butbottom line is this, Okay,

(02:16):
here's the bottom line. If otherswant money when materials are delivered, that's
fine, if they want to bepaid as they go, but you never
pay any part of that insurance tothem just to keep for nothing. I
am sick and tired of it.Do you want to say anything, Henry
while you're here? Yeah? Absolutely, Henry Brett's Jay Brettz's son. I
watch Henry from a little Wet Pionears Little bratt. But anyway, go

(02:38):
ahead, Henry sah, thanks forhaving me on, Tom. I'd just
like to add to that, thereare so many contractors that they'll get that
first payment and they either have nomotivation to complete the job to what they've
signed to, or they're paying aprevious exactly, or they just take the
money and go. And we've seena lot of these big contractors here in
Denver that are charging these massive cancelationfees. You know, we were experiencing

(02:59):
these ten to fifteen percent cancelation fees, which are pretty hefty fees, but
recently we have seen fees as highas twenty five percent. We actually had
one deal where these people have aneleven thousand dollars cancelation fee. They are
with a contractor right now they're notbeing treated well. They're trying to move
to Excel roofing in this contractor theowner of the company called the customer furious,

(03:23):
demanding a eleven thousand, forty twodollars and thirty cents cancelation fee.
Oh my god. And this contracthas thousands of words in it and there
is a tiny, tiny section thatmentions a twenty five percent cancelation fee.
I would guarantee that the customer hadnever seen this twenty five percent. So

(03:44):
they're trying to charge them eleven grand. Yeah, eleven thousand dollars. God
out of pocket, So it's likealmost a fifty thousand dollars roof Then are
saying you got to pay eleven grandto get out of it. You know,
people, I'm telling you this isbad, okay, and uh,
you're going to have problems if yousign roofing contracts like that. I want

(04:05):
to go to the phones and Iwant to remind you you can call three
oh three seven one three talk threeoh three seven to one three eight two
five five. I also want tomention this is the season for drain work
in general. It is a lotof people experience excessive water backups lines have

(04:29):
shifted over the winter, and I'mgoing to be giving you some general tips,
general tips on sewer work because unfortunatelyit is an area of a lot
of concern and ripoffs. Okay,so we're going to be talking about drains
and sewer work, and it's justI'm telling you, over the years,

(04:49):
if we had to pick anything inplumbing, drains would be the biggest concern.
Now when it comes to electrical wedon't have that many concerns. There
aren't not that many ripoffs in electricalmark see if you can think of any
I can't. Now, what aboutlet's see plumbing, and then how about
about heating. Of course, youknow, replacing furnaces that don't have to

(05:09):
be replaced, although nowadays so manythat are old, it wouldn't be a
bad idea. There's all kinds ofissues though with HVAC. Okay, all
kinds because you never know what you'regetting. So plumbing, heating, cooling,
electric drains, there's a lot tobe concerned about, and we can
go over some of that. Thisis the season for all of this stuff.

(05:30):
For some reason, a lot ofpeople put stuff off until spring,
and then spring and summer they getstuff done now, Janie, I believe
she Did you call yesterday, Janie'sNo, No, just today. Oh
this is another one. Okay,you're calling about why it's towing. I
am now, Janie. I wantto say something. We've had a lot

(05:53):
of complaints recently about why ITT's andI'm going to tell you why. This
is what I think no one tryand I'll tell it because they were recently
investigated by the state and find many, many thousands of dollars for abusive and
fraudulent practices. Now, I willsay that in general, on the specific

(06:15):
cases we investigated, we didn't findfraud or anything like that. But here's
what I want to warn everyone.If you have a toe from Wyatt's,
it doesn't automatically mean it was fraudulent. A lot of people somehow seem to
think that. Now I'm not puttingwords in your mouth. I'm just saying
this in general, Mark didn't.Don't you find that to be the case?

(06:36):
Lately? Every call that we havehad that I can think of,
they either sent video evidence that madetheir case or proved it somehow differently.
But what was this big thing?Ben? But they did have a black
eye recently they had a one milliondollars settlement with the State of Colorado allegi

(07:00):
the company toad vehicles without proper permitsor authority, charge fees without documentation,
and kept too much in proceeds fromthe sale of toad vehicles at auction.
Wow, Now what was your problem, Denise? What's going on? Well?
Where I live in North Kline,our apartment complex started using a service

(07:24):
called park M. I don't knowif you've heard of. No tell me
what park Tell me what park Mis. Park M is it's a business
that handles parking permits for the complexhere. And what you do is you
sign up online? Is it parkM as in Mary? Yes? Uh
huh okay. So in last Septemberof twenty twenty three, they started using

(07:49):
them, and for the first vehiclethey were charging eight dollars a month,
and for the second vehicle they werecharging twenty five month. Okay, So
we way way up. For onevehicle it's eight and for two and the
next one costs twenty five, Yes, sir, okay, go ahead.

(08:11):
So we signed up the vehicle wehad at the time, and it was
the first car, and so itwas eight dollars a month for about six
months. Until we got our suburban, and then we signed the suburban up
as the second vehicle. Okay,they've been paid ever since. Every month
they take the money out all ofa sudden on April twenty fifth, why

(08:33):
it's towing. Towed our vans thefirst one that we signed up, and
they had just taken the payment outlike two days before that. So I
didn't understand what the problem was whenI get ask so what was what was
the problem? Get right to theproblem. Let's find out. Man,
this is terrible. It is.It's horrible because we're going to lose our
car. Well, no tell me, I don't think you'll lose your car.

(08:56):
There are new laws on that.But I want to know what did
they say the reason was? Rightafter this hold on, I am weighted
with baited breath. Three oh threeseven one three talk seven one three eight
two five five. I want youto call in with any problems, questions,
or complaints. Don't forget water prosfor the best water systems at the

(09:16):
lowest prices. I have drinking waterat my kitchen, saying fourteen hundred bucks
fully installed triple filter reverse osmosis requiresno electricity three oh three eight six two
five five five four. Hi TomMartino, your troubleshooter three O three seven

(09:37):
one three talk seven one three eighttwo five five. All right. So
Janie said she's been paying for twoparking permits and one of her cars was
towed. Period, that's the bottomline. She said she has proof she's
been paying and she shouldn't have beentowed. Now, I guess says she
didn't have something in her vehicle.Now, what I'm gonna say is this,

(09:58):
no matter what what she was payingfor, sometimes permits have to be
visible, and they're not expected togo run the license plate and verify it.
Although technology nowadays would make that easy, they're not obligated to do it.
So, as Mark just stated,it could be that they have to
be visible. I don't know,but I do know she says she's going

(10:18):
to possibly lose her car. Idon't see how that's possible, since charges
now are capped and they have tolet you make payments on those charges and
they have to let you so Idon't understand that part, but I want
to take it one step at atime. Even though you paid for your
permits, you were legally parked.I don't need to know anything except this
right now, what was the reason. I'm not asking if you agree,

(10:41):
I am asking you what is thereason they gave you for towing it?
It said that the vehicle did nothave a permition. Okay, Now did
they say it did not have aWe're going to find out anyway, Jenny's
Did they say it did not havea permit or it did not have a
permit DECI played, Oh, wedon't have permits that you have to display.

(11:03):
Okay, good, good digital Soit's all part of your license plate,
yes, sir, okay. Sonow if that's the case, they
should release a car free of charge. Why won't they? Because when I
called Wyatt they emailed PARKIM, whichis PARKM only has an EMU. I'm

(11:26):
just asking, just just go aheadon the part where why will Wyatt's not
release it? Because PARKM will notsay that we had to permit? Why
why can't you show other proof thatyou had to permit? I asked Wyatts
if I could bring in the receiptsto show them? What about your landlord
or your apartment manager, who's everat the office. Can't they look it

(11:46):
up? They said, they saidthat they washed their hands of it.
That's why they hired parkm No,they can't do that. You know,
how much? How much are theycharging right now for the toe toe,
for the toe and everything to getyour car back? How long has it
been there? First, it's beenthere since April twenty sixth. Well,

(12:07):
why the hell did you wait thislong? Oh? No, I've called
Wyatt's, I've called attorneys, I'vecalled the police, I've called everyone I
can think of. Okay, okay, they're allowed to charge storage. That's
the problem. If you had yougone there in the beginning, it would
have been one hundred and sixty bucks. No, it was three hundred and

(12:28):
ninety six dollars. You know,Mark, how is this happening? Can
you get a hold of that clownthat you know over there? How is
this happening that they're supposed to capit at one hundred and sixty and every
person who call says it's near fourhundred dollars to get there? No,
no, no, no. Firstof all, when you go down there,
and it's any towing company, notjust why, it's when you go
to pick your car up, they'regoing to tell you how much they owe.

(12:48):
Whatever the max is is what itis. But if it's over I
believe ninety dollars or seventy five.I'll look it up. They you can
actually say I don't have the moneyand they have to accept that seventy five
bucks, but you have to sayit first. But then they're basically loaning
you the rest of the money,so you can still get into trouble.

(13:11):
You still owe it, but theygot to cut your car loose. Well
I want to know why they toldher it was over three hundred bucks to
get her car back the first time. Well, I don't know how much
is it now, Deanie? It'sright under nine hundred dollars? Look,
can we get someone hold on?We Mark? Do you have the guy's
number? We need to call rightnow. We can't wait. I don't

(13:33):
want to give it to a deputyand hear about it a week later.
I want someone to call right now. I want to find out why the
hell this is happening. I needa picture or I need her license plate
put up on a call screener.All right, Denise, you need to
give us some information. What wewant is this your full name not on
the air, your full name,your address, your license plate number with

(13:54):
the make, modeling year, ofthe car and date and date it was
Toad. The date it was Toad. But did you hear of thing?
I need the date it was told, along with your full name, address,
phone number and license plate number.We need to look into this immediately.
I don't like what I'm hearing.For God, as soon as I
get that info. But we'll seewhat happens here now. Now, listen,

(14:18):
you swear to God you have apermit and your damn apartment manager.
Now, Kashina, while Mark isworking on that, I want to put
a deputy on it to call thatthat parking that that apartment complex can't just
wash their hands of it. Andthen do you have a contact Genie at
park M No, they only havean email address and you have not heard
from them when you have asked tohave a proof of a permit? Yeah,

(14:45):
how do you? How do youknow you? Yet? There's got
to be how do you know youhave a permit? Where is the permit?
Do you have an email? Doyou have a permit number? I
can log into it and they emailme a receipt every month? Okay?
Do you have a permit number onthere? And a vehicle mentioned on the
log in that correlates with the licenseplate. Yeah, it's says first car

(15:07):
permit and that's the van and doesn'tgive a license plate. Now let me
listen. Listen, send me thatis well with that other info for the
period of time that we're talking about, not the period of time after,
Jennise, we're gonna help you.Hang on. If you'll give me all
that, there's no doubt we'll beable to help you out. Hey,
Tom, real quick, okay,yeah, okay, Why it's towing?

(15:31):
So I wanted to know what actuallyhappened me too. It's kind of interesting.
So the Attorney General opened up aninvestigation. What the investigation was about
is different than what you're thinking.Number one, why it's towing towed hundreds
of vehicles during several periods where theirstate towing permit had lapsed. That's so

(15:54):
so basically they forgot to pay itor whatever it lapsed, and they refunded
people who contacted the Colorado Public UtilitiesCommission if they got towed during the lapse.
So that was about one hundred thousanddollars. Then the allegations of three
thousand vehicles during a period of onemonth after the state's towing bill of rights

(16:17):
took effect, so the new rulestook effect, and for the month following
they did not notify by mail.So one of the things in the towing
then they're still violating the new towinglaw. They're charging more than one hundred
and sixty dollars. Truly, Tom, I'm just going to argue with on
that. I'd be astonished if theywere, and I'll get on and do

(16:37):
a free commercial for them every dayhow much they suck if that's true.
But I simply i'd be the onethat called yes more of money the other
way, the same thing, theguy that called yesterday or the woman that
called yesterday. Her the caregiver esther. She said that when she went to
get it back, they had shehad to pay four hundred dollars to get
it back. She went during normalbusiness hours. It should have been one

(17:00):
hundred and sixty dollars. So wehave that problem too. This is wrong,
Okay. Now, I don't thinkthey're assuming that. I'm sorry,
you're just your your assumption is thesepeople are telling one hundred percent the truth
or understand what you're getting charged estherwhen she called she wanted to try to
get out of it. Anyway shecould. But one, you know,

(17:21):
remember she talked about the twenty fourhours notice. I said it didn't apply
to this case. Here's the bottomline. Though she absolutely, positively,
positively would know what she paid.For God's sake, she paid four hundred
dollars. And how long did theyhave the vehicle? She they had it
only a day or two. Ifit. Look, Mark, I'm telling

(17:42):
you we I think esther. Wehave deputy Doc. Find out what Deputy
Doc is doing on this. Again, there are certain things we have to
give priority to. These These arethis is bs. This is absolute bull
crap. I am so tired ofthis. Three seven one three talks seven
one three eight two five five.Dan McKenzie can do wills, trusts,

(18:06):
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people, and he's a smaller firm, meaning personalized attention for your estate plan.
And he does a great job.Eight three three co Plans eight three
three co plans the website co plansdot co. Hey, I'm Tom Martino,

(18:37):
your troubleshooter. Three oh three,Hey, seven one three talks seven
one three eight five. Mark.Yeah, So look, man, I'm
this towing deal from what I'm lookingat right here a private property toe,
which that is what this is.The hook fee can be up to two
hundred and eleven dollars and eleven centsfor vehicles hunder ten thousand. In addition

(19:00):
to that, the hook fee oftwo eleven three eighty per mile up to
twelve miles in certain areas sixteen pointfive and others, depending on how far
from I twenty five you are.I mean, that's just what it says.
Mark, if Marsel hold on,man, let me freaking finish go.

(19:21):
A diesel fuel costs more than twosixty a gallon. A surcharge per
mile can also be applied for lawenforcement if they haven't done. Everything's much
higher now for both private and lawenforcement tows, most cars can be charged
a vehicle of forty dollars in fiftysix cents a day. Towing companies are

(19:41):
also allowed to charge an additional eightynine to twenty four maximum to release a
vehicle outside of business hours, andtowing companies can also charge you by sending
a notice by mail no later thanten days after the vehicle is towed,
and that is a maximum of seventyDo they mention because I looked it up

(20:03):
the other day, do they mentionanywhere the one hundred and sixty dollars feet
anywhere? Because I see nothing aboutone hundred and sixty dollars anywhere. Okay,
hold on, hold on, Imean, if you add up everything,
we just said, they undercharged,but we don't know how many miles.
Okay, Okay, God, Iknow I read it, so I
got to figure out where. Imean, I know that I read it

(20:26):
under the new law. The onlything that might correlate with that is if
you show up and it's on thehook and they call it a drop fee.
But I don't remember the amount ofthat. Okay, So Mark,
do you think that that's the companypolicy or state law for that? That's
state law. What I just read, that's the maximums company policy could be

(20:47):
less, but I mean they're notgoing to charge less sure, and they
need to adhere to state law.Yeah, but I don't know, man,
I know, Okay, I justlooked at it yesterday, so I'll
have to look it up again.I have it somewhere here, and I
mean, you couldn't even make moneysending out a diesel tow truck, you
know, twenty miles away and thentwenty miles back to wherever you're gonna store

(21:10):
it. At one hundred and sixtybucks, you'd lose money every time.
Okay. I mean, like Isaid, I've seen things before that turned
out to be not as I first. I just don't want Doc calling up
going hey, state laws one hundredand sixty. It just it purely isn't.
Okay, let's find out. I'mjust gonna look it up again.
But okay, I believe what you'rereading. I just don't know where I

(21:33):
found that other thing. Now onanother problem, Dave, go ahead,
David. What's happening, David,I've had a safety violation merging into the
twenty five northbound express lanes. Now, what do you mean? Was this
an automatic ticket or was this acop he double line? It was an
automatic ticket from yeah, the doubleline. Okay, got it. Yeah,
they take pictures of that. Yeah, and you know I won't dispute

(21:56):
it. I did it. Iwent in early, maybe fifty feet early,
but I went in early. Myissue is that the total amount due
doubled one month after the violation happened, that's right. It seventy five bucks
goes up to one hundred and fiftyif you don't pay it in thirty days,
right. And my issue is thatmy son moved to Florida a year

(22:18):
ago, and they forwarded the violationto him. He didn't get it until
last week. He got it tome as quick as he could, and
I've already passed that one month period. I mean it says in the notice
that if you fail to pay theamount due within thirty days of the notice
date, and the notice date onthis thing was April. Yeah, but

(22:40):
they're going to send that They're goingto send that notice to the registered owner
wherever that ends up. Man,right, Well, he's not the registered
owner, I am. Well thenhow did it go to his address?
I don't get it. That's agood question. Well you got to figure
that out. You might have foundout a real excuse to pay seventy five
instead of one hundred and fifty.But what reason did it? I mean,

(23:00):
you must have some clue why itwent to your son. Did he
register it out in Florida afterwards?Oh? No, he moved to Florida
year ago. All I can thinkof is that his middle name is the
same as my first name. Ohwell, maybe that's the deal. Maybe
you call them up and say,hey, here's what happened. I didn't
get the notice. Yeah I didthat, and they said denied. Well

(23:22):
did you go to the second part. You can go on their website and
actually fill out the first part andgive the reasoning and what evidence you have,
and then if that's denied, they'llactually set up a hearing on it.
Yeah, I did that. Isee what the hearing is. The
hearing is the purpose of hearing issolely to determine whether or not a safety
violation has occurred. The hearing officerdoes not have the legal authority to negotiate

(23:45):
wave or less than the civil penantyof them out extend the payment period,
a grant, a payment plan plusto pay thirty dollars fee. Well,
yeah, but you're missing the wholepoint. If you can prove to them
that the notice never came to you, that would be part of that hearing.
There's no doubt about it. Yeah, I'm not worth it. Well,
you know that's a good fact.Seventy five bucks you're going to spend

(24:06):
a couple of days in hell whichis downtown Denver, and you're going to
pay thirty bucks to me, itwouldn't be worth it ever, right,
Yeah, I mean you guys knewsomebody that that I could appeal to seventy
five dollars to. I tried appelingit online and they said no, Well
I just told you how to doit. I mean that's why. Yeah?
Why? First of all, Ineed to know something. Why won't

(24:26):
you Why won't they let you doit? You want to do it,
but you can't do it online,is what you're saying. I did.
I tried to appeal online and theydenied it. Okay, Well then then
it was denied. Yeah, andwhy do you feel it shouldn't have been
denied? I mean, I hatethis, you know, split hairs.
But why, I mean they apparentlydid look at it though, right until

(24:48):
him and his kid have the samename. They sent the notice to the
kid in Florida, so he didn'tget the notice within I pay I understand,
But could it be because he hasthe wrong address on files? What
I'm asked is what I want.I know it means because him and the
kid have the same name. Okayhas a different first name, but he
has the same middle name as myfirst name. Yeah, I don't know,

(25:10):
man, you're saying you are theysaying you did get the notice?
Is that basically what they're saying.They're saying, I committed the offense,
pay it and you did? Yes, I did? Okay, I see,
that's the part that I don't understandwhat difference was paying the seventy five.
It's my fault. I merged early. Why don't you send it in
with a letter? You can't sendit in. You have to do it

(25:30):
online or by phone. Yeah,so, Mark, I noticed here on
some articles. That's where I readit. I didn't read it in the
law that articles have quoted one hundredand sixty dollars and I don't know why.
I mean more than one Actually,if you I googled it and uh
yeah, there wouldn't be a towingcompany in the world for that. You

(25:51):
can't have a drive. I'm notdisputed. I'm not disputing it. I'm
wondering where they got that from.I mean, because it's more than one
article. It's probably some wish listsfrom some freaking liberal that lives in Denver
anyway. Three oh three seven onethree talk seven one three eight two five
five. I want to know ifever it was proposed or Mark you're reading

(26:11):
it right from the law. Canyou send me that link and I want
to look at it. That wouldbe great because I don't want to miss
quote. I was I was thinking, man, we had these guys dead
to write if the maximum charged USone hundred and sixty bucks, and then
you just read all kinds of chargeson that thing. And then I'd like
to know if anyone else has everheard that one sixty Again, if you

(26:32):
google it, you can find itin some articles and it says everything you
need to know about you know,the tollog except it's not. And one
of them said, well, let'ssee, Yeah, they're just and one
of them is from Channel five inuh in Pueblo area. So anyway,
three oh three seven one three eighttwo five five we have some follow ups.

(26:56):
Now, Mike, make that quickcomment on express lanes. Go ahead,
Yeah, Tom. I think theyneed to make a change to the
law or the understanding because if youcross the double line, you enter the
toll, and you actually pay atoll d or toll charge, you shouldn't
be penalized for entering or leaving thetoll. The penalty should be that's state

(27:19):
law, man. I mean you'rearguing against state law. I think you
should be able to drive it ninetymiles an hour. That doesn't change anything.
Yeah, what you're saying is ifit's the law, it's a law,
bro right. Well, I'm justsaying that the toll road is there
for people to use and to payfor. The double line is to distinguish
between what is full and not toll. If I'm paying a toll, that

(27:40):
I am not violating the law.If I'm told dodging, then I should
be penalized for that. Oh no, No, you're looking at it wrong.
Man. If I'm in that expresslane and I entered it the right
part and I'm doing eighty five ninetyand it's one single lane, and then
somebody that's beat up and held backin traffic in the other lanes wants to
cut over and cut in front ofme or hit me or whatever, it's

(28:03):
more of your breaking the law.It's got nothing to do with paying the
fee. At that point, changinglanes and hitting somebody mark is no different
than you're careless driving. But ifyou want to take advantage of the role
the toll to do what you wantto do and you're not hurting anybody in
doing it, you should be ableto do it and not be penalized.
It's no different than two lanes threelanes of changing lanes. You have right

(28:25):
to change a lane. You shouldbe able to right to change the toll,
but you don't in Colorado. Imean, I'm not listening. Man,
be changed, Well, okay,then run for whatever and change it.
Well okay, So I see whathe's saying, though he just believes
differently. But that's not the waythe law is. So you can't refuse
to pay the fine because I saythe same thing once again about speed,
I think it's ridiculous that you can'tdrive ninety or ninety five miles an hour

(28:49):
in the middle of nowhere, likein between Colorado Springs and Pueblo. That
that's the big deal. I thinkthat way, It doesn't mean you can.
All right, We got more onthree oh three seven one three talks
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and if it goes over, ifit needs more repairs and you approve them,
you get a credit for the twentyeight So no matter what, twenty
eight bucks three oh three seven sevenzero two seven seven six twenty eight to
get them to your house. That'seight eight eight Heating dot com. Hi

(29:37):
Tom Martino here three oh three sevenone three top three oh three seven one
three eight two five five Henry forExcel Roofing. We've got a question here
on the pricing mechanism you have onthe website. Uh, what if people
want to change the materials? Canthey do that on that website? On
your website, because you have theaddress there, it maps the roof outs.

(30:00):
I remember, you can choose whatevermaterial you want on that. Yeah,
absolutely, go ahead, Yeah absolutelyTom. So on our website,
we have this instant roof calculator andthat allows you to put in your home
address and it takes a rough measurementof your roof. Yeah, and then
you can select the right materials.It's not going to be an exact price,
no, but it's gonna be closepretty close. But what I'm saying

(30:21):
is you can choose the roof youhave, or you can choose another kind.
It'll it'll price accordingly exactly. Soif you have an asphalt roof and
you want to see what it wouldcost to upgrade to something like stone coated
steel, yeah, you could specthat out on the website. And just
for the homeowners that are out theresince that last hailstorm, we are coming
up on that year and so someof these insurance companies, depending on your

(30:42):
policy, might deny claims after thatyear two year mark. So I would
urge homeowners to please give us acall Xcelroofing dot com and we can do
a free roof inspection for you.All right, I'm Tom Martino. We
will. We will be back withmore on the show three zero three seven
one three talk seven one three eighttwo five five. Get your calls in

(31:03):
on anything, problems, questions,complaints. I also found out more about
the toe bill and uh we'll talkabout that too, coming up, ripped
up ad news, You need advice, who you don't have, come running

(31:26):
just as stasis. We can.Shooter's gonna help coming man, This is
the Troubleshooter Show. No Tom Martino, Hey Tom Martino here, Welcome to
the show. Three oh three sevenone three talk three oh three seven one
three eight two five five. Welcometo the show. What is going on

(31:51):
in your life? You know what? We love doing this show for you,
and we love when we have success. Sometimes we do, sometimes we
don't. On the towing matter,it seems that these articles were absolutely wrong,
and I just don't even know wherethey came from. So I did
look at the law, and thenMark also sent me a summary, and
there is no such thing as amandatory fee of one hundred and sixty dollars.

(32:15):
It's more of a menu pricing.There are designated fees, but they
can add up to more than onehundred and sixty bucks for sure. So
on that note, I just wantedto correct what I said the other day.
But we still are looking into thepropriety of these toes one way or
the other, where they proper ornot. And enough set on that.

(32:37):
But thanks for the information, Mark. So now Deputy Marvel is up.
Who is Deputy Marvel? She's theshiznits man are new and improved, Deputy
Patrol. I shouldn't put down theother guys, but let's face it,
Okay, it's nice to have newblood here. Let's go, Deputy Marvel.

(32:58):
What are you working on? Ohaipalm? Julie who called in a
week ago with no hot water inher apartment, Oh god, yess and
I said that was death. Isn'tshe like? Seventy seven year old woman
and no water? The other therewere other plumbing problems and the management was
unresponsive. What's going on? Well, she's bottom line, she's still without

(33:22):
hot water. No, however,Yeah, on Friday, I sent her
some information that there was a billthat just signed into law on May third.
It's a safe housing for residential tenantsthat basically states no call route and
should live in a home with withoutwith mold, sewage leaks, and no

(33:45):
access to running water or hot water. So they have an actuals Do you
have the CRS number on that one? It's Bill s S is in sambs
and boy two four dashed zero ninetyfour. Well, I sent that this
article too. Julian told her shehad a lot of leverage because it is

(34:05):
now illegal for her to be withouthot water. And you still can't get
a call back from that management.No, but I think they're on it.
Well, they did send someone overthe weekend. Oh good, good.
Well, okay, then you didmake a difference. What happened?
Then? Well, no, Ikeeps sending maintenance and the main I think
this is a problem with the building. I don't think this is a problem

(34:25):
with her unit. And so Icalled pro real Estate, who's then who
owns the seasons of Cherry Creek.Left a couple of messages, actually three
messages for Lauren. She's the seniorregional manager and apparently their legal team is
looking into this. Okay, well, that's good, so let's stay on
top of them, though I thinkbottom line, she's going to get some

(34:50):
action now. But because they're havinga meeting this morning about this issue.
So oh good, Okay, soyou did so you called the property owner.
Okay, I'm making a note ofthat and then we'll follow up with
her. But that's pretty damn cool. You found the owners. You called
them. They said they're having ameeting on it, so we ought to
at least give you the dinger.Oh, man, I can't hear my

(35:13):
dinger. What happened, Shannon?What did you do to my dinger?
Man? Come on, bro,I when I can't hear my dinger,
that's the problem, especially because Iwanted to use it on a Tuesday,
so let me do it again.I think I can find it. I
think I can find it. Holdon here, there is little anemic this
morning. But anyway, thank you, Deputy Marvel, appreciate it. You're

(35:35):
working on anything else, that's allright. Well, we're going to load
you up with some more. She'svery effective. Let's do it. Three
oh three seven one three talks sevenone three eight two five five. Hey,
one thing I want to mention aboutDenverregen dot com. They have an
addition to semaglue tide. They haveter zeppetide, which is another more powerful

(35:58):
weight loss drug. And uh,that's way lower than the market. I
think it's a little more than thetwo fifty for the semiglue tide. But
it's Denverregen dot com. So whatis on your mind? Give us a
call three zero three seven to onethree talks seven one three eight two five
five. I have Henry Brets withme from Excel Roofing. We've been talking
about roofing and problems and complaints andone of the things we mentioned money down.

(36:22):
Be careful. Only pay if materialsare delivered as work begins, as
work progresses and then final inspection.But as Excel Roofing doesn't do a dime,
they don't take a cent to yourcontent. That's their expression. And
also they have that instant pricing ontheir website. Henry, I want to
ask something about with upgrades on aroof, insurance companies don't care and you

(36:47):
just have to charge the difference.How does that work If somebody wants to
go from one roof to another andthey want to upgrade like a hail resistant
roof, would they have to payor is the insurance company happy to pay
or happy to upgrade to that?So the insurance company is only going to
want to pay what's already on theroof. Okay. What we can do
with Excel, though, is there'sdifferent classes of roofs. Like you mentioned,

(37:07):
most people have a Class three roofand that's not really hail resistant.
Class four is much more hail resistant. We put that out there to customers,
Hey, we're going to upgrade youto a Class four roof at no
additional charge. Yeah and wait aminute, wait a minute, why are
you so wait? We got toadvertise that. So you're telling me if
someone has a Class three, you'regoing to upgrade them to a class for

(37:30):
it, no ad, just chardepending on the situation. Yes, we
can do that and that will savethem on their insurance policy. Oh yeah,
a lot. Holy crap. Okay, now is there anything beyond a
class four? Does that even?Is that a silly question? Is you
know? There are right, there'sF Wave, there's zero shield. But
these are synthetic roofs are plastic.They have their disadvantages, they have defects,

(37:52):
They don't you know, perform correctly. I mean, asphalt roofs are
really tried and true. But ifyou would like something that's hail resistant,
like you're saying a class five roof, which doesn't exist, you could go
with something like stone coated steel euroshieldF WAVE. I mean sometimes there's buckling
issues with F wave, but thereare all You're right, you're right about

(38:13):
the buckling. We got to complaintabout that the other day. So in
essence, though, you can gowith a class three to a four with
no cost with Excel. But ifyou went from a from a three to
a five, would there be abig upcharge? So there isn't a class
five shingles? Oh not class Okay, maybe I said it wrong. Class
three to four, and then thenwhat's beyond four, Like four is hail

(38:34):
resistant, so it tops out aclass four. Okay. Then is f
wave a class four? Yes?Okay, but F wave is more expensive
then yes, then some of theother class fours, So F wave is
technically a class four. It willoutperform any other shingle within its class.
Okay, got it, So itshould be a class five. But because
it's non existent, okay, Iget what you're saying. But if there

(38:57):
was a class five F wave,and what else would be on there?
You're shield? Yeah, euro shield. You know there's decra this stone coated
you know material that stone coated steel? Does that? Is that really pretty
hail proof? I wouldn't say hailproof. Yeah, but the cosmatic damage
is going to outweigh any structural damage. On a metal roof like that,

(39:17):
you won't see as much a leaking, but you will get those dents and
usually the insurance won't total your roofbecause of that, but you won't see
like the issues with asphalt shingles.And my favorite thing about you know,
a stone codd steel roof, it'sa beautiful yeah, absolutely, and you
can take it assphalt roof and putstone coded right on there, because usually
when you have to go to atile, you have to take a structural

(39:40):
engineer out. You got to makesure your roof can support it. You
know, you wet, And thishas all the beauty of a tile absolutely
without the weight yep. So usuallya regular house with asphalt roof can be
upgraded to a stone coded steel roofwithout having to do structurals. Absolutely.
We got more coming up. I'mTom Martine three seven one three talks seven

(40:00):
one three eight two five five.By the bid. By the way,
UH Solar Systems probid Energy dot Comcommercial systems nearly paid for with all of
the special brands available, and theyalso have of course standalone systems starting at
just twenty grand for houses. ProbidEnergy dot Com for your solar probid Energy
dot Com. Okay, I'm TomMartino, your troubleshooter three zero three seven

(40:29):
one three talks seven one three eighttwo five five. So listen. One
of the things that also comes upabout towing. We hear a lot about
now, not recently with WYAS,but in general, what happens of your
car is damaged. Well, it'spretty obvious that there is no right of

(40:51):
course to damage your car. Theycan't damage your car. They can't toe
it safely, they can't toe it, and they are responsible for damages to
a car. Well, with thenew laws, they got to take pictures
yep, and explain that. Markhow that has helped us in the past,
you remember that. I mean we'vehad people say and it happened to
be Wyatts, Hey, they damagedour car exactly. And then what we

(41:14):
do is we reach out to Wyattsand they send us pictures and all the
damage was there before they even hookedthe car exactly. Did you hear that
in Denver they're going to divert somemoney from the police department in order to
make this new department of yeah,eleven million bucks so we can consist on

(41:37):
patrol. What do you think now, So we're going to have a neighborhood
patrol of some kind. I guessit's not going to be what we think
anymore. You know, it's notgoing to be like police. Uh.
They said that they can protect theneighborhoods without police. See. You know
it's funny that like places like Oaklandand San Francisco and places at already tried

(42:00):
this are turning the corner and goingback to having police and trying to get
rid of crime. But Denver's like, you know, ten feet behind him,
So I guess we have to walkthe walk before we learn to talk.
It is a public safety office forracial and social equity. So the

(42:20):
new Office of Neighborhoods Safety will bringtogether, they said, some major city
programs and a support team. It'sgoing to be a support team assisted response
for youth. So they're going tocounsel the youth and there's no need for
police anymore. It's going to takeone time one of these poor guys show

(42:43):
up that gets hooked into doing thisgig and they get the crap beat out
of them or they get killed,then we'll go back to the real thing.
The new program will transfer eleven milliondollars from police and sixty five employees,
and those employees will now become asafety youth officers and watchers and community

(43:04):
violence solutions and an aid center anduh yeah, so it's going to be
wonderful. No longer will we haveviolence or anything like that. We'll have
people. You know, you negotiatewith people and you talk to them,
you counsel them on what they didwrong, so they don't do it again.
It's like, hey, man,you just beat the hell out of

(43:24):
your wife almost to death. Let'shave a discussion. Yeah yeah, what
about gang of violence and drugs?Well, they need to be talked to
mostly. And this is what Ifind so appalling. And my god,
if I was black, I wouldbe so pissed off because everything is done

(43:49):
and the name of racial equality.So what are they really saying. They're
saying that most of the people aregoing to be affected by police are black.
You know what? What I'm sayingis the whole notion that this pandering
to racial equity. And I meanthat, I mean I swear to God,

(44:09):
yes, we should all be treatedas equals and with equity, but
to single out people to keep itgoing. I believe that there are some
politicians who create this atmosphere of divisionin order to cure it. They bring
out some stuff that doesn't exist inorder to cure it. Now, I'm

(44:31):
not saying there isn't a racial problem, but can we agree that maybe have
we improved some are we pretty muchapproved improved. I wish we had to
Leban today on YouTube to make somecomments. I want to know are we
still in the dark ages when itcomes to maybe a bad pun there when

(44:53):
it comes to black white relations andblacks and police. You know, I
don't tend to know what a blackman knows. I mean, what is
it still? Is it still abig problem? What do you think?
I mean? Really? Now,even if it is a problem, do
we have to dismantle police departments andgo what is community policing? What does

(45:14):
community safety mean? What does itmean? How is it going to help
us out? First of all?Back in the day, what is it?
Rudy Giuliani, he did a prettygood job cleaning up New York and
he did have cops on the beatin their neighborhoods, getting to meet people
and keeping I like that. Ithink it's a great idea. Those don't

(45:34):
have to be hard asses, theydon't have to be jerks. No,
no, I agree with that part. But to you almost demonize police and
weapons and all that in favor ofthese counselors, it's not going to work
well. And like I told you, California has already proved that big time.
Look at are they go to NewYork City? Now they've got have
you seen these videos they have everywhere, just random acts of violence on the

(46:00):
street. They'll walk up and basicallyslice your face and run away. I
mean there's one after another. It'sinsane. Oh did you heard about the
punch game? Right? Yeah,you walk up and try to knock someone
out, that's right, and youit's a gang. Ye. But now
they're doing it with razor blades.God, and there have been women mostly
have you seen actually the ones Iwatched on the news last night, they

(46:23):
were all women. It's horrifying.They're they're walking by like a regular purchase
walking and then bam, Oh mygod. I mean they slice your forehead
or something. It's crazy. Whereis that happening? Mostly New York City?
God? And uh you know,okay, well Steve, oh no,

(46:45):
he was punched. He wasn't sliced, he was punched. You got
the hell cack. He got thehell kicked out of him. Man.
I wonder if they targeted him orhe just happened to be in the road.
They said it was total random,some nut, homeless nut. This
is for spy kids too, whatanyway? Three O three seven one three

(47:05):
talks seven one three eight two fivefive. We have excel roofing with us
as well. If you have aproblem, question or complaint, give us
a call at three oh three sevenone three talk and don't forget and call
three oh three Martino twenty four toseven and listen. Frank Durant's doing these
market valuations of homes. What itmeans is this interest rates are where they
are right, supplying Deman is whereit's at. Then you have also uh

(47:30):
comparables to your home. All ofthese factors have to be factored in because
people are still selling houses, Sowhat are they selling for? Frank will
give you an idea of what hecan sell it for, and he's pretty
damn accurate. No obligation three ohthree nine to zero, sixteen twenty two.
Frank durand the real estate man dotcom. Hey Tom Martino here three

(47:53):
all three seven one three talks sevenone three eight two five five. Are
you part of tictoxification? That's whereyou go on TikTok and get depressed or
toxified from the toxic crap. Butthere's a lot of cute stuff on there
too. I mean, you knowif you like animals and kids. But

(48:13):
what I've not heard much are theyreally are they? What's gonna happen now.
Are they looking to sell it orare they just going to challenge it
or what is it gonna they're suing. They're suing our government right now,
that's going to go nowhere. It'snot going to matter, and it's probably
more of a delayed tactic, butthey're going to ultimately end up selling.

(48:35):
Okay. By the way, theIRS has new funding they have announced now
they will start increasing audits for absolutelysure, there's no doubt. Most of
it's pretty big fish though. That'sright too. They're going for corporations with
assets more than two hundred and fiftymillion. I'm just a little short of

(48:55):
that. Also, large partnerships withthat sets more than ten million. They're
gonna by the way, they're goinglike ten and twenty times the audit rate
for these guys. Wealthy individuals okay, who have an income, not a
networth, but an income more thanten million, will see their audit rates

(49:19):
rise as well. And what they'resaying, they're focusing on these people because
they feel that is where most ofthe cheating goes on. That's so untrue.
Well, everybody cheats on their tipI think in fact, I no,
no, no, guys, it'swhere the money's at. What are
you going to do? Are yougonna exactly are you going to audit someone
with twenty million or audit somebody thatNo, you're gonna thirty times you're a

(49:43):
year. It's a money grab,I mean, that's what it is.
But but you're right, because ifthey find someone cheating, you know,
who's making fifty grand a year,what are they going to collect from them?
Six hundred dollars? I mean,it's it's true. That's exactly what
I'm saying. I don't think wealthypeople cheat their taxes or anything more than
these lower income I think everyone doesfor a certain extent, or they exaggerate.
I don't know, man, thatthere are I don't think there are

(50:05):
many people that actually out and outcheat. Oh my god, I'd say
there's a ton of people. Howmany people listen. I'll ask you one
question, and everybody out there answerthis in their head. How much did
you donate last year? What doesthat now? Tell me what that means?
Though? Everybody fabricates at not me, Oh no, everybody else fabricates
at Wait you think people make thatup? I think they embellish a little

(50:30):
on donations. Maybe maybe they donwould be that's not a five oh one
three C and but they still telltheir accountant they are oh wow, but
they'd have to show some kind ofproof on that. No, you don't
have to show proof when you putdown the donations. You just put down
a dollar amount. No, you'reright, But if you have a decent

(50:50):
tax preparer or accountant, they're goingto want to see something. Right.
Would your account just put it downbecause you tell them to. I think
any account would. I don't careif you go to H and R block
pay whatever. I mean, theyask you how much you donated? My
accounting questions everything I know. Mikesays, can I see receipts playing?
I mean, just because he doesn'twant to get his ass in trouble.
I don't know. Anyway, weall knew what happened with game Stop,

(51:13):
right, and do you remember whathappened with them, Mark and why they
were one of the first meme stocks. But you know why it happened,
right, It was a revenge thing. They wanted to there were people,
there were people shorting it, andthey wanted people who shorted it to lose.
See. I kind of disagree onthat. I think there was a
little bit of a revenge play inthere, but I think some smart people

(51:34):
got together. They ride the rollercoaster. You're right. There are people
that got in and out and madesome money on a piece of useless stock.
You're right, you're right. Thatwasn't the original intent, but that's
what happened. The original intent wasthat guy who said, you know,
these jerks who are just calling,you know, are calling for their demise
or or bearish on this stock,We're going to show them. So they

(51:58):
ran it up so that all ofthese guys that were shorting it would lose
money when the short when you know, as soon as they gave up,
and then the guys on the rollercoaster, they said, hell, if
this is going to run up,there are people that made a ton of
money doing that. That you gotin on one out one level and got
out on another. It's amazing.And then I guess it's going to happen

(52:22):
again. Some people on Reddit andall those are looking for new kinds of
stocks to run up. Now here'sthe deal. Running up a stock reminds
me, not the revenge part ofit, but the running up of the
stock mark. You know what thatreminds me of It reminds me of the
old chain letters where you sent moneyand then got money back. It was

(52:45):
like a Ponzi thing. What youdid is you get a chain letter and
you would send ten bucks to tenpeople. Right, that's one hundred buy
and then those people send money andthen the idea was you're going to That's
kind of the entire stock market.That's what we do. We run stock
well, yeah, but sometimes not. I don't know if they do that
intentionally. In the stock market now, a lot of investors want to make

(53:07):
some real money base all these funds. These funds jump in and they can
move markets. Man, if enoughof them they can. They know exactly
what they're doing. They know they'regoing to move that stock to a certain
percentage. Yeah, or some justknow it's going to happen and then ride
it. And others do the noncorrelation thing and and they try or the

(53:29):
reverse correlation thing and try to playboth ends. But the real deal with
the real deal here is when peoplewhen people do the running up of a
stock and ride the roller coaster,it is much like those those games.
Remember the airplane game. I don'tknow if people remember that, but people
used to get together years ago,and they had to pay to be there,

(53:51):
and then it was like this ponzithing and people would eventually make money,
but then it would fall apart becausethere weren't just enough people to keep
it going. More though, Ihave never heard of the airplane game.
Oh look it up. Look itup, the Airplane Game. It's really
it was an old It was likea I don't know if you call it
a ponzi, but it was aIt was some kind of scheme called the
Airplane game. If you're called theMile High Club, uh, the airplane

(54:19):
I'm gonna I'm looking it up,the Airplane Game. But anyway, what
I'm saying is this, So ifyou intentionally get in and you all say
on social media, let's run upthis stock, and people start doing it,
you are totally investing in an artificialway. But it's not inside.
It's not prohibited. It's not acontrolled transaction. It's totally exempt because there

(54:43):
are people on the secondary market andthey're communicating with each other, and it's
not It could be. It couldbe if you really stretch it. Market
manipulation, and market manipulation isn't allowed. However, it's not really manipulation in
that you you are not manipulating itwith more than a few hundred dollars worth
of stock. What you're doing iscalling on others to join you, and

(55:07):
that has never been prosecuted. Soit is a market manipulation because you know
that a bunch of you will makemoney. There will Wait, what's the
difference between my friend telling me tojump in and buy something like you're describing
and a stockbroker telling me something,or someone that owns a fund telling me
something, or or buffet telling mesomething. Well, there's difference. There's

(55:30):
nothing. There is no difference.If somebody says jump in and jump out,
there's nothing wrong with that. Whatmakes it wrong in manipulation as far
as the law goes. I mean, you know, the Securities Act is
where you purposely inflate. You putmoney into the market on purpose to make
it run up, but only ifyou own the company. Correct. Well,

(55:52):
yeah, yeah, of course youput money in there to kind of
saying, if I got together witha billion if I was one of these
people on TikTok with a zillion followers, and I said, hey, let's
all buy this at the same timetomorrow morning, I don't think there's anything
illegal with now, unless why I'mown the company. No, that's what
I said. If you get on, if you get on social media and

(56:14):
do it, because you personally arenot controlling it, you can't make people
do it, and if they joinyou, that just happens to be a
coincidence, so they can't make aconcerted manipulation charge. But if one or
two billionaires get into a market andyou try to control the market and you

(56:36):
purposely manipulate with purchases and sales torun it up, and then you take
parts of that roller coaster up,that could be market manipulation. So I'm
saying though that the mean people gotit down. It's really a legal way
to manipulate the market and for alot of people to make money. It

(56:57):
really really is a way for peopleto make money because they get in and
they get out. Now, obviouslythere's losers. There were plenty of losers
with game Stop. The thing aboutgame Stop is they were hoping the losers
were big money people who were shortingit, and not the people taking the
roller coaster ride up. But ifright now, I said hey, let's
all do this at two o'clock andthen continue buying the stock until tomorrow morning.

(57:22):
There will be people who will makea ton of money on that if
they followed me going on the wayup and then they have to time it
to get out before it crashes.It's just it's sure better, yet you
wait till it hits a ridiculous amountlike sixty bucks the other day, and
then you simply short it. Youknow who's a prime example of this is

(57:44):
Elon. Oh well, he cansay something sure now that by the way,
that's referring to yeah, that canbe can get you in jail if
you own a company. He reallyskirted the law where you say something like
well, that's a scam or that'sthat, and then you shorted it.
And let's say he shored up behindthe scenes and made a comment or talked
about a merger that wasn't really goingto happen. There. You know,

(58:05):
even Warren Buffett, if you thinkabout Warren Buffett, Warren Buffett can literally
make a market by by making noisehe's going to buy something, or when
he does buy something, if hecalled his friends and said tomorrow I plan
on making a move on this stock. Those friends, they they can buy
options, they can buy options onthat and and and and make a ton

(58:28):
of money based on that information.Uh, we got more coming right up.
Three oh three seven one three eighttwo five five. Hi Tom Martine
here, three oh three seven onethree talk seven one three eight two five
five. Let's talk to David.David, welcome to the show. What's
going on? Man? Hey?I was just curious as to what you

(58:51):
thought about air Care Colorado and whetherit's a viable program that was implemented when
it made sense when yes, wedon't need it anymore, That's what I
think as well. No, wewe absolutely don't need it. Now.
I'll tell you what would do bebetter than AirCare Colorado in general is just
an auto inspection. I mean,because there are a lot of unsaved cars

(59:15):
on the road. But there area lot of states that have done away
with inspections. In fact, Idon't know, I don't know how many
states still have them. But Iremember in New York we had to get
our car inspected once a year.Did you do you remember did we ever
have that in Colorado? It wasprior to that. Yeah, And you
had to make sure all your lightbulbs were working and well brakes and all

(59:36):
of that stuff. They had allkinds of uh yeah, what do you
think about that? I'd rather payfor that than them to tell me year
after year after year that my carstill has zero or has the proper amount
of emissions. You know what,right now, you're you know, you
bring up a good point the carmostly. I mean, how many older

(59:58):
polluting cars are still on the road, and even if they are, they're
not contributing that much to the Ireally do believe that. I really do
believe that you don't need anymore.So we're an agreement there. But I
don't think you know what good willit do to do away with it,
though I guess it would save peoplemoney and time and hassle and all of
that. Yep, Well, eventually, again, maybe the state would have

(01:00:22):
to find other jobs for the peoplethat are working at those establishments, but
they could do road work maybe.Thanks for calling, by the way,
three three seven one three talk sevenone three each two five five Okay,
Lo, So listen, I didfind something out, Mark. We won't
have time to get into it completely. About the airplane game, Remember I

(01:00:43):
told you I never I looked itup. It's kind of a pyramid scheme,
right, and It was first donein the eighties, So when I
first got here to Colorado, Istarted doing stories on it because people were
saying, man, this is great. You know we're gonna have We're gonna
have all kinds of money, andit's it's a prosperity game and it was
nothing but a scam really, Butwhat would happen is the new participant that

(01:01:07):
joined paid a certain amount of moneyto the person at the top of the
pyramid or the airplane, which isthe pilot. That new participant becomes a
passenger at the bottom of the pyramid. Then the goal is to recruit more
passengers, so as you move upa level, you eventually get your money.

(01:01:29):
Well what's the difference between that andAmway? Well, no, Amway
sells a product and there's a there'sa breakoff point there. It doesn't go
on. See where you where thepyramid is. The problem is it literally
runs out of people. I mean, it's exponential in its multiplication and there
aren't enough numbers to support it,so it falls apart. Amway or multi

(01:01:53):
level marketing is just that you're sellingitems and you're promoting them through a down
line who promotes them to a downline, but then there's a breakoff point
and it's a totally different thing.We got more coming up on the Troubleshooter
Show. Yeah, ripped of news. You need advice, so you don't

(01:02:17):
have the come running. Just asas as we can show, Shooter's gonna
help come man. This is theTroubleshooter Show. No Tom Martino, Hi,
Tom Martino here, Welcome to theshow. Three oh three seven one

(01:02:37):
three Talk seven one three eight twofive five. Welcome to the show.
We are here to help you.What you have to do is give us
a call and we'll be happy toanswer your calls the best way we can
at three oh three seven one threeTalks. So we have a number of
things going on today. One thingwe had calls about, of course things

(01:02:59):
we always get calls about towing,and we did find out that with towing
that the charges vary. They arecap but they can be several hundred dollars
to get your car. They haveto allow you to finance it to get
your car out. They can't keepyour car. You just have to put
down a small down payment and theyhave to allow you to finance the rest

(01:03:22):
of it. So they can't holdyour car. Hostage and keep racking up
storage fees that is no longer allowed. Also, we talked about a number
of different things scams and stuff,and we happen to talk about running up
meme stocks and how people do that. And then all they want to do

(01:03:42):
is get in for a short rideand make several thousands of dollars. So
let's say a socks trading at threeor four bucks, and you all agree
to get in and start running upthe price. The price goes up with
more trading and more people buying.As the price goes up. If you
go in at a lower level,you get out. Then more people get
in, more people get out,and the hope is you're not caught holding

(01:04:05):
the bag no matter what. WithGame Stop, a lot of people were
left holding the bag, but alot of people also made money. And
that's a meme stock, which isthe government actually doesn't know what to do
about it because it's not market manipulationin the true sense, with a bunch
of rich people getting together and tryingto manipulate the market. It is market

(01:04:28):
manipulation, but there's no way tocontrol it because if people just decide they
want to do something, they cando it. They can all buy stock,
they can all sell stock. There'snothing wrong with doing that. And
I don't know how the hell youget a law together saying you can't do
it in concert with others. Now, if you did it alone, like
a Warren Buffett or someone with alot of money, you could be accused

(01:04:50):
of market manipulation. Or not evensomebody who has a lot of money.
Let's say a broker dealer, thosewho buy and sell stock for clients or
for other advice. These broker dealerscould all get together and cause a little
rough ripple effect and manipulate the market, and that's definitely a no no.

(01:05:13):
Then we talked about the airplane game, and there are many other scams like
this. It starts the airplane gamebefore it was the airplane game, and
meme stocks before they were meme stocks, they used to send out chain letters
and the chain letter would say sendthis letter to ten people and you're going
to be rich. You know,you'll get riches. And basically when you
send the letter, you have tosend money. When you send the money,

(01:05:34):
that one person on that gets money. And then the chain letter works
in such a way that it keepsspreading out and more people keep sending money,
and you supposedly will reap a lotof money each send a dollar.
It used to be five dollars,ten dollars. It got up to one
hundred bucks, but that fell apartbecause eventually you run out of people to

(01:05:57):
send stuff to. It really does, in a very very quick way run
out of people. With the airplanegame, the same thing kind of happened,
but the airplane game, they wouldinvite a certain number of people to
a house for the game, andthe people at the house, let's just
say there were like twelve people.One would be at the head, and

(01:06:20):
then it would break out, andthen you would pay, and the person
at the head got the money.And the way it worked is that the
pilot would get the money that time. Next time the pilot would get the
money in those at the bottom wouldpay, and the goal was to recruit
passengers to where that money kept comingin, and the cycle continued with each

(01:06:43):
level until you got to the topand got a lot of money. The
problem is the people started losing moneybecause they couldn't get enough people to come,
because they ran out of people whodidn't know about it in their circle.
I mean, while it gets tobe almost impossible because there are so
many people that you have to haveinvolved in a pyramid scheme. Now that's

(01:07:06):
different than what Bernie Madeoff did.Bernie Madeoff kind of had a pyramid scheme.
I mean it was kind of Butwhat he did was he just took
people's money and then would show returnsto those fake returns and if someone he
played the odds like an insurance companywhere they invest money and then they pay

(01:07:29):
the claims based on who has claims, and they're hoping not everyone has claims
at the same time. So BernieMadeoff tried to have a pot of money
that he lived on, and hedid invest some, but the main deal
was he lived off a lot ofthe investors' money, and when someone asked
about their money, he would showthem a fake return. If someone wanted

(01:07:53):
money, he had gathered enough moneywhere he could send some money back to
investors and they thought, Wow,I just catch and I still have this
much money, when they really didn'thave the money. So his game was
he was hoping that you would nothave all that number of people that many

(01:08:14):
people asking for their money back,so he could keep the illusion going.
I mean, if you mentally thoughtHey, I got one hundred grand investor
two hundred, three hundred, fourhundred five, whatever you have, I
got invested here, and every nowand then i'll need a check. I
withdraw money. If a bunch ofpeople did that, thousands of people,
you could keep that going for apretty long time until somebody found out about

(01:08:35):
it. I kind of don't rememberthe exact impetus that caused him to fail.
Bernie madeoff, but it did startfalling then like a house of cards.
Now, there was a company yearsago in Denver that played a little
pyramid game. It wasn't actually apyramid, but kind of listen to this

(01:08:55):
one. This was a company calledcarriage Leasing. I'll tell you that a
second. Deferty Chopper, I seethat you're on with a follow up on
something, and then I'll talk aboutcarriage leasing and how that scam worked,
because that scam is still going ontoday. Not with carriage leasing. That
guy committed suicide when we exposed him, but there are other people doing this,

(01:09:17):
so be careful. It's called releasingof cars, and I'll tell you
how they do it and get awaywith it. But Deputy Chopper, what's
going on? Don This is goingto be a little bit of a long
one. I'll try to No,no, that's okay. Now let me
try to find the call. Howlong ago was that it was? Kirk,
Yeah, it was last week.I know you made a comment about

(01:09:40):
his deputy's taking a week, butis his I was just kidding his mom.
Is this the mom with the apartment? Yes, it is. It's
over on clawd Core. Okay,so the mom owns a triplex right now,
there is a squatter in one ofthe apartments. And what happened is
they can't get that squatter out ofthere. And I told him how to

(01:10:01):
kind of do it. I mean, I thought I did. So here's
the deal. The squatter refuses toleave. They got an expedited eviction,
but the Denver Sheriff's Department said,wait a minute, we're not going to
do it. And I said,well, what the hell's that mean?
And they told him he needed toget a professional mover and they needed to

(01:10:23):
get her out of there in afew minutes, or excuse me, get
the squatter out of there in afew minutes. And I said, no,
there's usually a time limit, butit's not just a few minutes.
And you don't have to hire twentypeople. I don't even know where he
got that information. We'll revisit thisright after the break. I want you
to come on and tell us whathappened Chopper on that one three three seven,
one three eight two five five.Genesis Total Exteriors, by the way,

(01:10:47):
is coming up in this break.And what I want to say about
Genesis that you're not going to hearabout in the break. I just want
to talk about this right now,is that they will do all of your
storm dam image on one invoice,so you have one point of contact and
one person to deal with Genesis.Tootalexteriors dot Com. Hi, Tom Martino,

(01:11:15):
your troubleshooter three oh three seven onethree talk seven one three eight two
five five three oh three Martino isimportant to three oh three six two seven
eight four six' six and youcan call that twenty four to seven leave
a message. Does anyone remember thereason made off the thing, the one
thing that caused the impetus that causedhis downfall? Yeah, I remember it

(01:11:39):
most to the day. There's areason I remember. I don't want to
go into but I thought O MG. Anyway, Deputy Chopper, we'll go
back to that deputy Chopper. Sothis guy, let's just say, he
and his mom, they have thistriplex, there's a squatter there. The
Sheriff's department gave him, gave hima tough time. What did you find
out? I found out that thiskind of comes down to basically one party

(01:12:03):
not really communicating with the other party. I reached out to my angel at
the Denver Sheriff's apartment and found outthat, yes, this is a triplex,
and they went out. They tooka quick look at it, and
Sylvia is a mom who's one ofthe sweetest people I've ever talked to,
went and got a rip. Butshe got a expedited writ, like you

(01:12:25):
said, which they've only had nineof those since twenty nineteen. And the
Sheriff's department thought it was a Iguess, the somewhat normal rit. And
when they what's the difference, Shopper, if it's a normal writ or an
appedited it has to be executed withintwenty four hours. They don't know the
other ones. They can schedule itdown, you know. Oh really,

(01:12:46):
wait a minute. So when youget an execute accuse me, an expedited
writ for eviction, you have todo it within twenty four hours. Yes,
that's what That's what I was toldin and I read that on the
state law. So and they showedup, the Denver sheriff showed up,
and this was it beyond Was itbeyond the twenty four hours? No,

(01:13:10):
it was within. It was withthat time limit. Okay, they showed
up, they had checked out thebuilding. They showed up and thought was
going to be three or four units. That's where the ten to twenty people
come in, because it's why didthey think they were evicting all of the
units and not just one of them. I don't know that's where the communication

(01:13:30):
comes in, Tom, because Sylviadid have to go to the sheriff's office
after she got the WRINT, andshe had to meet with their supervisors.
I don't know where the miscommunications camein. It shouldn't have happened there.
She said she didn't go there.However, I was told she left her
phone there and the supervisor took herphone back tour the next day when the

(01:13:54):
WRINT was going to happen. SoI kind of believed that she was in
the sheriff's office. But the tento twenty is part of the rules of
the city and County of Denver inthe state of Colorado. How many people
you need for three different units?Which is wrong because all they needed to
do is grab the guy with hisknapsack and kick him out. The Sheriff's

(01:14:15):
made him. I'm not going tosay they made a mistake, but they
showed up with eight sheriffs. Shedidn't have anyone there to help them move.
She had her son who's in thehospital, still in the house.
Well, hold on, why didn'tshe have at least a few people to
move that one out? She couldn't. She didn't say. She just said
two of them showed up. Okay, this whole thing was a big The
whole thing was a big mess.So does she know how to do it

(01:14:36):
the right way? Now she's goingto go get a rint And I promise
you, Tom, I'm going tohelp this lady because she is so sweet,
and I'm going to work with theSheriff's department and make sure everything is
in order for the next time.Yeah. Wow, this is so.
It was just a total mess upof communications. Now, what do they

(01:14:57):
require as far as time limit?Two hours? You have to get everything
out in two hours. That's whythey require so many movers, but that's
only because they thought there were threeunits, right, if there was only
the one unit like where this guyis, that she'ld have only been two
to three movers, but he didn'thave anything. I don't think she's going
to be able to get an expeditedridd anymore, do you No, I

(01:15:17):
don't think so either. So nowshe's got it, this guy's going to
be there another month or two.I called the son who's in the hospital
today, and she has not receiveda new rit. You know, it's
amazing to me how there can't besomething more we can do with squatters.
I mean, granted, if theyhad already some kind of a rental or

(01:15:41):
proof that they had paid earlier.In other words, if it was a
squabble between a landlord and a tenant, and I can see where a tenant
would be subject to an eviction,But if someone's a squatter, the laws
need to be changed to where ifyou're a squatter, there should be no
eviction. If you have no priorrental history and no written agreement, they

(01:16:02):
should just be able to kick yourass out on the street instantly. I
mean, I don't understand why someonecan simply declare a residency, declare it
when never had one, when theynever had one before, and then instantly
get the rights of a renter.That's where I think this law could be

(01:16:26):
changed. I'm not talking about tenantsand the just cause laws for evicting people.
Let's give them their doubts. Okay, if someone's in there and hasn't
paid rent, but they had aprevious lease or just a previous month to
month verbal agreement, and they canshow they were paying on this house,
that's one thing. But where noone there is no prior agreement and there

(01:16:48):
is no prior residency at all,you should be able to get their asses
out immediately, immediately. In fact, the way it should work is this,
you get to do it, andthen that tenant, if they had
a previous agreement, then they cango after you. If not, screw
it. I don't know why we'reclogging up the courts and making good,

(01:17:11):
hard working mom and pop landlords.Why the hell are we putting this burden
on them? I mean, peoplework the system. Squatters now know what
they can get away with. Yetevery day here's what I don't understand.
Every day I see on YouTube wherepeople took matters into their own hands,
and they didn't get in trouble.You know, we're told constantly you'll get

(01:17:34):
in trouble if you take them outon your own. You know. I
guess you could if you get violentor stupid. But I don't see why
if there's a squatter in your house, why you would get in trouble kicking
their ass out, dragging them outof the house. Why. I don't
get it. Our entire way oflife is turned upside down nowadays with people

(01:17:58):
trying to be correct. Don't getit. Thank you deputy for looking into
this, But there's God, there'sreally got to be a change. But
you will not get the change inthe law with a lopsided government. Again,
I've said this before, and Idefy anyone to disagree with this.
You can't have lop sided government,no matter which side it's slopsided. You

(01:18:19):
can't. You get too much crazinessone way or the other. And right
now our state is turning into acrazy state. It's no longer what it
used to be. I mean,I swear to God, it's it's terrible.
Does anyone disagree with that? Huh? Do you really do? You?
Three? Oh? Three seven onethree talk seven one three A two

(01:18:43):
five five. Hi Tom Martino,your troubleshooter. Three O three seven one
three talk three O three seven onethree eight two five five. All right,
So I talked about I talked aboutthe eviction laws being changed, and
I really believe they need to bechanged. Now I want to go on

(01:19:06):
to this carriage leasing. I promiseto tell you about real quick. Carriage
Leasing did a Ponzi scheme. Butwhen I say Ponzi, there's limited amounts
of Ponzi's. Sometimes you call itplaying the insurance game, like you hope
not everyone will ask for something atonce, like Madeoff with Madeoff. I

(01:19:26):
can tell you, beyond a shadowof a doubt what happened with Madeoff with
made Off. What happened was inDecember of two thousand and eight. There's
a reason I remember this, butI don't want to get into it.
He faced something he never thought hewould face seven billion dollars of redemption requests.
So he had some funds and hewould invest your money, but he

(01:19:49):
never really invested your money. Hedid a little, but mainly he lived
on it and stashed it. Andthen when people asked for redemption. He
would mail out a redemption and hewould say this is part of your your
return or something. He would givethem a really good feeling that they still

(01:20:09):
had a bunch of money, sothey wouldn't have They don't feel like their
money's gone. They felt like itwas there, and they just would make
a redemption or two. But becausehe had so many billions under management or
in his pocket, he could meetredemption requests. But for some reason,
and we don't know why exactly,I think it's because we were going into

(01:20:32):
that deep, deep recession in twothousand and eight that people started asking for
their money, and it was unprecedentedthat he got a seven billion dollar request.
When they were all added up,he could not meet it. He
was struggling. So he got togetherwith his sons and key employees and said,

(01:20:53):
listen, the company is one biglie. I don't have the money.
I spent the money, and theway I been sending out returns is
with some of the money I have, but I don't have seven billions.
And then also I've been bringing innew investors, but because of the recession
coming, we don't have new investors, and uh, we don't have the

(01:21:17):
money to redeem. He estimated thathe had taken in about fifty billion fifty
billion, and he could not comeup with seven billion. Now he owned
things, but that all collapsed.So his sons actually reported him. Did
you know that? Did you know? That's how made off? His sons

(01:21:39):
reported him, and federal authorities camein and arrested him, like within days.
A lot of people don't understand thatthat there's the sons reported him.
They were so devastated by it.Three zho three seven to one to three
talks seven one three eight two fivefive. Now carriage Leasing, what happened

(01:21:59):
with them is they would advertise they'llget you out of your lease. Now,
for a lot of people who havea car lease, they can't they
find they can't sell it and payoff the lease, and they're burned.
They didn't put money down they didthis, so they but they want to
get rid of the payment so theycan buy another car or whatever. And
so what happened was this company advertisedthat they would release the car, not

(01:22:26):
release it, but release it.They would take it and have someone else
take over your lease, and theyguaranteed it. So what carriage leasing would
do, let's say they took inone hundred cars. Now these hundred cars,
these owners went away fat and happy. They literally just signed their cars
over. So now of these hundredcars, carriage leasing would would would advertise

(01:22:50):
no credit check, no down payment, take over a lease. Oh no,
no, actually they did. Theydid charge it up front fee.
They did, I'm sorry. Sometimesthey charged the feet of the people that
turned in their lease. Sometimes theycharged it to the person who's taking over
the lease. So usually one thousanddollars on each end, so they'd make

(01:23:11):
two hundred thousand dollars. Right,So now think about this, they'd had
one hundred cars come in, Theycharge one thousand dollars on each end,
so they made two hundred thousand there. Then they would collect the lease payments
from the people who put the thousanddollars down for the cars who were supposedly
taking them over for the other people, and these hundred people, and I'm

(01:23:34):
using one hundred as an example.These hundred people would then make payments.
So let's say one hundred people weremaking payments, and some of those payments
were six hundred a month. Okay, So each month these people were taking
in sixty thousand dollars. So let'ssay over a year, these people took
in seven hundred and twenty thousand dollarsin lease payment. Now that's only one

(01:23:58):
hundred clients. He had like sixhundred clients, so let's say seven hundred
and twenty thousand. So this guywas taking in millions of dollars a year
on lease payments, but he wasn'tpaying the banks on those leases. The
customers thought he was. Both thecustomers who had their cars released and those

(01:24:19):
who were leasing them thought this carriageleasing was passing on these payments, but
he wasn't. So he made twohundred thousand up front for each hundred cars.
Plus he made millions of dollars ayear in lease payments. So eventually
what would happen is they he wouldget the notices of late payments here and

(01:24:42):
there from the leasing companies, whichhe ignored. But when a customer called
and said, hey, a yearago you released my car and I found
out the payments aren't being made,and when they made noise, this guy
would pay that one. He wouldwrite a check and pay it, so
the customer went away fat and happy. Then he waited for another complaint to

(01:25:08):
come in to pay that one.And he only paid when the customers who
released their cars with him found outabout it, and he played the odds.
He played the odds that more moneywould come in than went out until
I found out about it, andI spilled the beans, did the story.

(01:25:28):
Unfortunately, he killed himself and itall came crumbling down, and that
was carriage leasey. So you see, that's what people do with these schemes.
They take money in and they hopethat the redemptions will not outweigh the
income. It's that simple, andthey keep it going for a very long
time. In some cases. Idon't know how long Bernie madeoff actually kept

(01:25:53):
it going, but it was along time. Drew, what's going on
with you? Drew? Welcome tothe show, Drew. I'm with you.
What's going on? And I haven'theard from you in a while.
In any case, State Farm Insurancehas blacklisted me. I've got an excellent

(01:26:15):
driving record, but as you know, we have prevailed against certain government agencies.
I don't know if it's political.Now, what do you mean they
blacklisted you? What does that mean? I called State Farm Insurance on Friday
asking them for a quote for mycar insurance, and the lady told me
said, my car is rated severeeven though I've got an excellent driving record.

(01:26:40):
What car is it? I mean, they refused to give me a
quote. They said I was noteligible for a quote, even though I've
got an excellent driving record. Whydid they say why? I asked them
why? And the lady said shedidn't know why, but she said that
she admitted I've got an excellent drivingrecord, and I'm I'm not getting a
quote. It's right in her computer. Well, why don't you go somewhere

(01:27:03):
else? I mean, why doyou care? Hold on? Just hold
on? I got more coming up. Three O three seven to one three
talk seven one three A two fivefive. Hold on, Hi, Tom
Martine here three O three seven onethree talk seven one three A two five

(01:27:23):
five. Hey, you know DrewI when you say blacklisted, listen.
There are plenty of times that peopleget canceled by insurance companies and they're just
canceled and you go elsewhere. It'snot personal. It's happened to so many
people. I'm getting texts on that. What's that it's not canceled. I

(01:27:44):
called them up for a quote,and they refuse to give me a quote.
They told me basically on blacklist.Wait a minute, did you ever
have insurance with them before? No? Oh, so it's not a refuse,
it's not being canceled, it's nota renewal. It's it's that they
won't even give you a quote.Yes, and I've got it now.
Wait a minute, Wait a minute, Wait a minute. I got to

(01:28:05):
figure out why. Wait wait,wait, when you call a company you've
never done business with them before,is that right? Then they wouldn't know
if you're a pain in the assor not. I'm serious. The last
time this happened, you call itup the insurance company about twelve years ago,
and the next day I got acall from the CEO apologizing and he's

(01:28:30):
straightened out everything. So that's whatI'm hoping you. But who do you
have now that you're switching to StateFarm? Who do you have now?
New Jersey Manufacturers? Okay, whydon't you go to another company? Why
why State Farm? Well, becausemy physical therapist told me she got in
an accident her fault, and sheswitched the State Farm. I have a

(01:28:53):
near perfect driving record. Wait wait, wait, wait, why are you
switching? There must be a reasonyou're switching because my current company NJM raised
my rates because somebody rear ended me. It's not my fault. The state
troopers wrote, no, No,I understand that, But did you go

(01:29:13):
how much were your medical bills?Do you know? I don't know.
That's another thing that we're having toinvestigate because they cut off most doctors who
wrote physical therapy. So, asyou know, we have beaten the governor
to stay. Okay, hold one, Drew, Drew, hang on a
second. I want to get ourinsurance experts on after the break. I'm
serious about this. I don't understandwhy a company would refuse to quote someone.

(01:29:40):
I don't know what there could be, and possibly in a clue report.
And a clue report, by theway, is a report that tells
each and every claim of each andevery person. And the driving record is
one thing they go by, butthey also go by the clue report.
And if the clue report show accessof claims, if it shows excessive claims

(01:30:03):
or some weird stuff that could makeit difficult for you to get a quote.
Have you tried out of grins,Drew? Have you tried to get
a quote from other companies? No? I have not. Why Just like
you were talking about if the governmentneeds to be corrected. This needs to

(01:30:24):
be corrected. But Drew, Drew, Drew, what if you can let
me just seriously, now, comeon, man, what if you could
get a quote from another company,let's say, like auto owners or shelter
or travelers, and it was areally good quote. Couldn't you just drop
this thing? Of course, Tom, But as you know, I've got

(01:30:45):
a principal bible prera. But butDrew, sometimes you just pick fights where
you don't need him. By theway, just so you know, just
so you know, Drew, StateFarm sucks. It's it's a bad company.
Did you know that. No,it's a terrible company. In fact,
here are the top five companies thatsuck State Farm, Farmers, All

(01:31:06):
State, Fred Layer, and AmericanFamily. So you're it's kind of good
you got turned down or she's notturned down that they won't give you a
quote. Hold on, though,I want to get compass on to talk
about why a company would not quotesomeone if they have any idea. Plus,
we have Excel roofing back with us. We'll talk about roofing and more
coming up. Get your calls inthree oh three seven to one three talks

(01:31:29):
seven one three eight, two fivefive, and remember you can always call
three oh three Martino three oh three, six two seven, eight four sixty
six. More Troubleshooter show coming up, Riddugh News. You need advice,
who you don't have, come runin just sustasis. We can show Shooter's

(01:31:55):
gonna help coming man, This isthe Troubleshooters. No Tom Martino, Hi
Tom Martino, and you're welcome tothe show. Three oh three seven one
three talk seven one three eight twofive to five. Okay, so,
uh, pretty diverse show today ontopics for sure. But this thing about

(01:32:16):
insurance, I want to talk toJeremy first from Compass Insurance Group. Jeremy,
I want to run this by you. Okay. Drew called. He's
from New Jersey and he's listened tothe show since I've been in New York
on WABC. And one thing Iwanted to mention. He said he has
an insurance company now and he wasgoing to switch or he was shopping and

(01:32:43):
he called State Farm for a quoteand they would not give him a quote.
Now, mind you, he's neverdone business with them before. And
Drew, without getting to detail rightnow, though, what was the excuse
they gave you for not giving youa quote. What kind of car do
you have? And one Toyota cardo you have? Drew? Two thousand

(01:33:03):
and one Toyota? Okay? Howmany miles on it? Uh, thirty
thousand? What kind of Toyota?Wait, you only have thirty thousand on
that car? Yes, okay,at Toyota? What Tota Corolla? Ellie?
And when you were in the whenyou were in the accident, the

(01:33:24):
rear end accident. How long agowas that? Thirteen months ago? And
it was the other person's fault?Right, totally? Sat troopers run up?
No, no, Drew, Okay, I don't need the story.
Now. Did the other insurance companypay for your car to be fixed?
Yes, totally? And a renta car? Okay, So your car

(01:33:47):
is now fixed. And what kindof insurance were you asking State Farm to
quote? I was just asking themfor a quote. I don't have collision
on the car because I drive verysafe. And just a regular quote,
just liability, yes, okay.And what did they say to you?

(01:34:08):
Fay said it's in their computer.I'm not eligible. Fay can't give me
a quote. The lady didn't knowwhy. I said, it seems like
I'm being blacklisted. She agreed withme. Okay, So, Jeremy Drew.
One thing Drew doesn't do is exaggerator lie. He doesn't. He

(01:34:29):
might have a lot of stories overthe years, but he's never lied.
So I'll bet you that's he wastold that they can't ensure him. It's
in the computer. Why, Jeremy, Why why would a company say we
can't insure you. Well, there'sdifferent reasons that could be legitimate. It
could be a certain area, likewe see that a lot in Colorado,

(01:34:49):
you know more with home insurance.Is your car on a salvage title or
is it a clean title? Yeah? Let me ask you this, Drew.
With the accident you had, I'mjust curious about something. Were they
did they want to total that car? Because that was a twenty three or
twenty four year old car? WHAdidn't you say that? No, No,
the car is only three years old. You said at two thousand and

(01:35:12):
one. Oh, I'm sorry,I'm I'm miss for twenty twenty one.
Sorry, got it? Okay,never mind? So was that car near
totaled or not? No? Okay, the other insurance company prepared everything and
paid for the rented car because Iwas totally innocent. So your car was
not a total salvaged car. Itwas totally repaired. How much did do

(01:35:36):
you know how much it cost torepair it? No? I don't know.
Okay, how long did it take? It took several months because of
the COVID to repair shop told meit took several months to get the parts
in. Okay, So Jeremy,keep going. It wasn't totally. It's

(01:35:58):
not total. That could be onedriving record, you know, if you
do, he has a spotless drivingrecord. Again, I don't think Drew
would lie. Could it be becausehe sustained injuries? I mean, I
don't want to say. No,I've never heard of that, and I've
never ran into a scenario. Jeremy, What would they be looking at when

(01:36:18):
they say the computer here, Ifhe's never done business with them, what
are they looking at? Well,that's that's the thing that's troubling on this
is that you know, they dopull a lot of reports these days,
so they could pull and see it'sa salvage title, or if there's an
area of the state that they're notwriting business in, or whatever the case
may be. It doesn't sound likeit's any of those which is kind of

(01:36:41):
the troubling part. Do you livein a bad area Drew yet? Drew,
No, I live in the samearea I've lived in for twenty five
years now. The other insurance companyisn't canceling you, is it. No,
they're not. You just decided toshop for new right. Yeah,
hey, Jeremy, I don't.I don't have anything to do with that
accident. I mean, it couldbe, but I don't. I would

(01:37:06):
almost call a different state farm agentand they should be able to give you
a specific reason. I don't think. I mean, I don't know why
she Jeremy, can you can compassright in New Jersey? We're not licensed
there. Unfortunately, could you lookup a clue report on someone? I

(01:37:27):
can look up the clue report Ishould be able to Drew, there is
a clue report on people, andwhat it shows is your claim history.
Now you say, would you mindif Jeremy ran a clue report on your
name, just to see what couldbe coming up in the computer. That
would be great. I'd like tofind out myself. Okay, hold on,

(01:37:49):
Drew, We're not going to dothis on the air. We got
to do it off the air.But we're going to get some information from
you. And then what do youneed, Jeremy, what information to run
a clue? I'll need his name, get a birth, driver's license number
and address. Okay, so,Jeremy, your name, date of birth,

(01:38:09):
driver's license number, and address.Hang on, Katschina, Could you
do that? I would be veryinterested. Now, Drew, would we
have permission to talk about your youryour clue report? Sure? And he
has permission to look it up.Yeah, okay, let's figure it out.
There might be a Have there everbeen mistakes on clue reports? Jeremy,

(01:38:31):
Oh, there's mistakes on cleue reportsall the time. Yeah. Clee
reports as good as you know,garbage and garbage out. It's basically,
tell me this, what would beon a clue report that could possibly if
you were ever looking at someone?What would be on a clue report that
would cause you to look away?At fault accidents? That's what that's gonna

(01:38:54):
pull. And so you know,if someone had let's say three at fault
accidents, a lot of companies aren'tgoing to take that person's out of their
eligibility. So when you're talking abouta company like State Farm, where it's
one company, they're going to knowwhat their threshold of what they'll take and
not. The other thing too,could be insurance score credit related. That

(01:39:16):
could be something because when you're talkingabout a specific company, they're going to
have whatever their guidelines are. No, but but you might get an idea.
I mean, do you have goodcredit, Drewly, I have very
low income. And do you knowwhat your fights? Do you know what
your fight go score is? No? I don't know. It could be

(01:39:39):
your credit. However, let metell you Tom, I have always paid
since No, No, no onecares about payment. Credit has nothing to
well, it does have to dowith payment history, but it has to
do mainly with the extension of credit. Do you have credit cards? No?
I have not one paid insurance tothe whole year, Drew. I'm

(01:40:00):
not asking about drue. I'm notasking about how you pay car insurance.
I'm not asking about anything except doyou have credit cards? No? You
don't. Do you have any otherextension of credit anywhere? Okay? So

(01:40:21):
you pay everything immediately? You donot have any bills that you pay monthly?
Mostly? Well, I pay myrent, okay, you pay your
rent, you pay your utilities?What else on my phone? Don't you
know? What, Jeremy. Ascrazy as this sounds, if you have

(01:40:41):
a guy on time, with hisutility and rent and all that, that
doesn't count toward his credit. Sowhat I'd like to know? Could it
possibly be a lack of credit?It absolutely could. Yeah, Drew,
I'm thinking we found the problem.Drew. You don't understand that. What's
that? I just don't understand whythey wouldn't tell him that like that?

(01:41:02):
That they should state farm should knowthat. You know when they're pulling the
quote, Well, because I'm goingto tell you why. I'm going to
tell you why because Drew has away of making things a battle, and
I think they were afraid to talkto him about it. I think they
think he's going to sue or somethingbecause Drew makes wars. Drew, that's

(01:41:27):
the truth. You do. AndI'm not saying you weren't justified. Students,
children, minorities, people were harmingpeople. I'm the true preacher,
and I understand it. Drew.I'm not taught. I'm not judging you.
I am stating facts. You havehad a lot of conflicts. You've

(01:41:48):
had a lot of conflicts in yourlife, just like Gary Cooper, just
like me. Hey hold on,Drew, hold on, let's get that
clue report done. Three three sevenone three talk three oh three seven one
three eight two five five. Yousee, you see what we're getting at
here? I mean there there,there's something going on. And as a

(01:42:12):
you know, as a little joke, I mean, I imagine you understand
why I use this sound? Hey, Tom Martino here three oh three seven

(01:42:34):
one three talks seven one three eighttwo five five. All right, So
we're gonna do a clue report thereand get a report done. But basically
I want to get back to myguest, and that is Henry from Excel
Roofing. So, Henry, asfar as roofing goes, what do you
guys do about solar when they're solaron there? I'm just curious what you
do. So there's a lot ofpartners to partner with within Solar and there's

(01:42:58):
a couple larger companies. There's somethingcalled one called sun Run, and so
it's all about for the roofing contractorto find a qualified partner that can install
the system and tie it all intothe roofing system correctly. Because there's a
lot of screwball so you got toremove it to fix the roof and then
put it back on. Sure.So there's I mean, there's two types
of solar deals that we come across. There's the full system and then also

(01:43:19):
the detached and reset right, Andso for the detached and reset, the
whole roof might be totaled and wejust need a solar person or subcontractor to
come and remove the panels and allthe brackets and hardware and then we can
do our thing with the roof andthen reinstall everything. Are they a pain
in the s when you run acrosssolars, Yeah, it can definitely be

(01:43:39):
difficult. Yeah. Like I said, there's a lot of difficult people in
the industry. Yeah, and it'shard to find that really qualified partner.
But we have those connections. Yeah. So when it comes to the latest
and greatest, you mentioned some ofthese plastic roofs. You know, for
all the benefits they have, weare fining a lot of lifting and warping

(01:44:01):
for some reason. Again, Idon't want to throw stones at these roofs.
It wouldn't dent him anyway. Butwhat do you think, I mean,
have you heard about it? Thelifting and the little bit of warping.
Yeah, So from a homeowner's perspectivewhen they're looking upgrade their roof to
something that's more hail resistant or hailproof. I still wouldn't use that word.
Yeah, yeah, Yeah. There'sthose companies like f Wave and these

(01:44:25):
other synthetics. Yeah, and thesethey're somewhat prone to warping and we've seen
issues with that. So if I'ma homeowner, I'm either gonna make sure
that I wouldn't go with that Wave, but I'd make sure that I go
with like a stone coded steel orlike a Da Vinci. Yeah. Or
also there's some other product called Euroshield. Yeah, that's purty good. Euro'shield

(01:44:45):
looks great, but my god,it's expensive. Yeah it is. Yeah.
It's made out of recycled car tirestoo, did you know that?
So it's good for the environment,yep, good for the roof. Have
you installed any of those. Wehaven't done any year Shield installations. We've
been testing it and we've been lookingfor the right house to do our first
install with. But from from theinformation the Rep's given us and the field

(01:45:10):
testing we've seen, we believe inthe product. Is it beautiful? You
know it would it resembles a syntheticroof very similarly, like like, like
what does it resemble? That isit made to look like different kinds of
things? Or do you get onelook only? So it kind of looks
like a slate, So love thatlook? I love that look. Doesn't
steel coded look like slate too?Not? Really? No, No,

(01:45:31):
steel code's gonna look like a tile. It's either rounded or flat. And
okay, it can be baton mountedwhere that's where they lay the wood pieces
on the decking and they screw itor nail it under that, or they
can go direct to deck, whichis where they put it straight onto the
decking. All right, three allthree seven one three talk. By the
way, when we were talking aboutMadeoff, we we talked about how how

(01:45:58):
it all started and he actually wasdoing this, this ponzie thing for seventeen
years before he was caught. Thinkabout that seventeen years. All right,
bo, Deputy Bow, you've beenworking on some stuff. What's going on?
Bow? Yes, I've been workingwith a mister child that called into

(01:46:20):
the show last Friday and at teno'clock hour, what was this first thing
out? It's ventual spelling is age. I got it? I got it,
Yeah, I got it. NowI'm sorry Triple A Services did a
drain repair and he said that thedirt under his concrete wasn't tamped properly and

(01:46:40):
the sidewalk might be in danger ofsinking because the dirt sinking out from under
it. T I called and talkedto him the next day. I had
him send pictures right this stinkholes rightnext to the sidewalk. Did you call?
Did you call Triple A? AsI called on Chadday, I had
to send an email on Saturday andI followed up, followed up with a

(01:47:03):
service manager named Melissa on Monday.Yeah, and they they said, we're
going to take this your call.And now that I said, since we're
involved, going to get right onit. He said they were going to
go out and repair mister Chow sinkhole, fill it with the proper ever by

(01:47:24):
the end of the week. Excellent. Going to call Friday and follow up
and have mister Chow send an emailof the picture, hopefully with the field
in sinkhole. You know, Idid not. I've not heard a lot
of bad things about that company.There was one complaint we got about them,
not this one, but another one. But I pretty much don't get

(01:47:45):
a lot of complaints about them ingeneral, so that's pretty good. Though,
where the trash did call, theydid say they would take care of
it, so that's better than mostcases I've been working on where they're not.
Oh no, I know you've beenstonewalled a few times. I know,
what was that one? Are youmaking any progress on that other one
where they they just flat out lied? Remembers Yes, And when I don't

(01:48:11):
understand these companies, they always wantto communicate by email, and with being
only five fingers, it takes mealmost forty minutes a composed email. But
it's okay. I drafted up asecond email, Tom, and I sent
it to you for approval to sendto them. No, didn't I tell
you that that sounded good. Basically, these people insist that they pulled the

(01:48:34):
proper permits and they did not dothe work that supposedly they did. I
mean to me, it sounds likethey're just, I don't know another word
for it, lying. They lied. I didn't like it. I spent
over two hours of the City andCounty of Denver and even talked to the
inspectors and of the Community Planning Departmentjust to confirm that they did not pull

(01:48:56):
any permits, and I didn't likethe fact when they sent the email to
that said they did in fact Paulpermit. And I just feel bad for
these people that haven't had all right, So listen that letter that you wrote.
Fine, I didn't know. Didyou want me to doctor it up?
Oh? I got it. Soundedgood. I just wanted to get
your blessing. I'm sorry. Here'sanother thing I want to tell you about
that helps with letters. You wantto know what it is doctor doctor GPT?

(01:49:23):
Do you know what that ISPT?No, chat, Chat GPT,
it's artificial intelligence. You just copyyou want to for the by the way,
they have a lot of free versions. This is what you should do
for the hell of it. I'mserious. You copy and paste it into
chat GPT and it rewrites it foryou. Use it. You machine do

(01:49:44):
I'll have a machine do my nextemail. No, no, no,
do no. Just for the hellof it. Bo, this is fun.
Sign up for chat GPT that's free, or it's chat g b T.
So it's GPT, g P GPT. You're right, you're right,
you're right, you're right. Soit would be golf, Papa Tango,

(01:50:08):
okay, chat GPT, And thenthe other one is free is if you
go to bing dot com and makethat your search engine. You can use
something called copilot that's free too,and it really helps. Now, I'm
gonna be honest with you, Idon't use it a lot for writing.
I like writing, but I douse it sometimes to try to proof free

(01:50:30):
certain things. It will rewrite stufffor you, and it's it's a lot
of fun. And again, sometimesit sounds a little canned. Sometimes it
sounds pretty damn good. So youought to try it. Three oh three,
seven to one three talk. Thankyou, Bo, Deputy Bo a
great addition to the team. Hey, Kachina was compass going to uh run

(01:50:54):
Drew through the clue report. He'sdoing it right now. He's going to
get back to me when he's gotsome more songs. But it would be
it would be fun to see whatwe come up with. Drew said,
he's being blackballed or not written bya company. We don't know why.
Shannon actually had a good suggestion.What is that? Well, his address

(01:51:14):
is an extended stay hotel. Whatyes, that is his home address.
So not sure if that makes anysort of difference, but well, I
think lack of credit along with anextended stay hotel may I mean it may
have something to do with it,you know, and you know it's weird,

(01:51:35):
but uh, there are a lotof things that insurance companies look at.
And they do look at addresses,and they do look at credit reports,
and they do look at driving historyof course, and your claims history.
So let's talk about that coming up. I'm Tom Martino three oh three
seven one three talk three oh threeseven one three eight two five five.

(01:51:57):
One thing I want to say abouthealth grow Usman Wellness dot com. I'm
a member. I don't know ifthat's a proper term patient, member,
client whatever. I pay a fewhundred bucks a month and the programs include
prescriptions and they include supplements, bloodwork every three months, and all your
doctor consultations. To me, it'san excellent concierge program for people that want

(01:52:25):
to be proactive with their health.I mean it's to me, it's it's
a value as well. For twohundred and forty nine bucks, you get
started just to see what they cando for you. Two hundred forty nine
get you the blood work consultation.You don't have no obligation Grossman g R
O S S. M An Grossmanwellnessdot Com. Hi, Tom Martino,

(01:52:47):
you're troubleshooter tree Oh three seven onethree talk three all three seven one three
eight two five five. Jeremy rana clue report on Drew and we wanted
to know if there's anything that showedup, and Drew gave us permission to
talk about it. Anything show up? Yeah. So what I'm seeing is

(01:53:08):
there's an open pit claim personal injuryprotection claim. Well, that's because he
was retter ended right, right,Yeah, and it's nothing against him or
anything he did wrong. But alot of companies, especially with any kind
of medical or liability type claim inthis case medical claim, an open claim

(01:53:29):
is going to make it ineligible witha lot of Okay, Well, that
answers this question. Because he washell bent on thinking he was blackballed.
Yeah, and I've never heard ofthat. I mean, I get where
people are coming from on it,but I think the open claim was kind
of pretty clear cut. We wouldhave a lot of problems. Okay,
Well, that's great companies, nowlisten. I think that's good. So

(01:53:55):
what I'm going to do, Jeremy, is I'm going to tell I'm going
to held Drew and then if hehas any questions, We're going to give
him your home phone number. AJeremy, thanks for coming on. And
that's of course Compass Insurance home ofthe insurance checkup to make sure you're not
paying too much for your insurance oryou're under insured or even overinsured. Three

(01:54:18):
h three nine nine six nine thousand. No, I wouldn't do that to
you. Yeah, oh my goodness. Anyway, Chris, let's talk about
your mobile home. What's happening,Chris, hi there. What happened is
the land well. The management fromthe mobile home that I lived in showed

(01:54:42):
up and told my aunt that shelives there, that what he called they're
going to have to tear down hergarage because they need to get to the
water pipe. And I told herand none, They said, nobody else
in the whole community has the waterI mean a garage. And I told
my aunt, I said, youshould have told them out of people running
back, do you have a garage? But that has nothing to do with

(01:55:04):
it. No, wait a minute, wait a minute, so hold on,
this garage is built. This isa rental lot, right she owns
the mobile home or not? Correct? Yes, the mobile home in the
garage attached to it correct and gagethe garage she built onto her mobile home
on a rented lot. Is thatright? No, when she bought the
mobile home, the garage was there. So got it. Now, this

(01:55:26):
is okay, I get it.But if there truly is a line underneath
they have to get to to repair, well, they would have to go
through the garage and they're not responsiblefor that. Why is that Well,
because it's the infrastructure. They they'resaying to you, listen, you built
that garage at your peril. Wecan't guarantee that we're going to build it

(01:55:49):
back. In other words, thereis something going on underneath. And when
you build something in a trailer park, no matter what it is, it's
subject to being removed because it's notyour land. Okay, wait wait,
wait wait okay, Tom, I'ma little confused because her neighbor when she
moved there, they wanted her,for example, real quick, to take

(01:56:11):
her fence down, and her neighborgot a lawyer and they said, no,
she bought it as is, Andthat's the No, that's true,
Chris, this is a different situation. Let me explain this. Okay,
that fence, if they had towork on an electrical line, or an

(01:56:33):
underground plumbing line that went under thatfence, they would have had to remove
the fence and they would not havebeen obligated to put it back. Anything
built on other property, or easementsor over lines or electrical lines or anything,

(01:56:54):
they're subject to be removed for repairs. They're not telling her she can't
have the garage. They're telling herthey need to get to the drain pipe
to repair it. Rick, Butshe said that because they said it's unsafe.
Because she's lived there like fifteen twentyyears, so she's got a lot

(01:57:15):
of Chris, are they saying Chris, listen, now you're saying two different
things. Here's what I want toknow. Are they telling her she needs
to move the garage no matter orget rid of the garage no matter what
because it's unsafe, or are theytelling her she needs to remove the garage
to work on the drain pipe.Which one is it? It's neither.

(01:57:35):
They're telling her we're going to teardown the garage because we have to get
to the water pipe. What doyou mean it's neither? I just said
that. Are they telling her theyhave to tear down the garage to get
to the water pipe? And yousaid no, neither. Of course,
are they allowed to do that.Of course they are. Tell me this,
how would you propose they fixed thewater pipe? You tell me,

(01:57:59):
Well, they said they were goingto get an extra what do you call
extra diet or machine or something ortractor or something to get it out.
Extractor machine to take out the waterpipe, I mean without without moving the
garage. Yeah, but they saidthey'd have to because there's too much stuff
in a garage. It's unsafe.Okay, listen, Chris, if you're
asking the short answer, they dohave a right to do that. But

(01:58:21):
do they have to repair the garage? No? Do they destroy it?
No? They do not really.Now listen, unless unless I'm missing something
here, it's going to be inher lease and it's going to and I
also believe the garage was built onan easement. But most of the time
they do not have to repair somebody'sstuff if they need to get to it.

(01:58:45):
Now, if it was the trailerthat had to be moved, then
we have a problem because if thereif she's renting a lot and the lot
is no longer able to be rented, they would have to pay for some
temporary housing or something. That wouldbe different. I got more coming up.
Okay, hey Tom Martino here threezero three seven one three talk.

(01:59:10):
By the way, Chris does havemore questions. I just want to remind
you, excelroofing dot com to getyour instant roof cook three three seven sixty
four. Oh we lost him.Yeah, he did say he had other
questions, right, So, Henry, somebody wants to know. Are there
independent services you can call that wouldhave that would have that you know,

(01:59:30):
can tell you what you need onyour roof? I've never heard of.
I know there are roof inspectors,independent roof inspectors, but do you I
don't know of any other than roofersthat tell you what you need, do
you? I mean, yeah,there are, there are roof inspectors,
and that's well, will they comeout and inspect damage and give you an
I imagine they would. I meanthey could, but it's it's much more

(01:59:51):
effective to help you too, Iknow. But again, if you if
it's because you don't trust the contractor, is that why you're asking on the
on the text. And if that'sthe case, well, you know,
get a few estimates then so I'llgive him a shout out here on the
radio. His name's Gary Manlove,and if you have questions about your roof,
he can go out there and writea report on it, but that

(02:00:13):
will be very expensive. So ifyou're a consumer out there or a homeowner
that's questioning if they have hail damage, if you have hail damage, wind
damage, any sort of other issues, I would give Excel roof and a
call. Our phone number is threezero three seven six' one six four
zero zero, and we'll give youan honest roof evaluation where we'll document any

(02:00:34):
damage that we see, hail damage, wind damage, anything wrong with you
know, the sighting, all sortsof stuff. Now I have another text
here about Tom. You mentioned whyare squatter's laws the way they are?
I mentioned that I believed that ifsquatters show up in your place and they
cannot show any previous agreement or anyprevious rent paid there, then they're a

(02:00:58):
squatter. You should be able toget rid of them immediately with police or
otherwise just to get rid of them. The only time there should be any
eviction right or eviction process is ifyou had an agreement with these people,
even a month to month agreement,or they can show they paid rent other
than that they should get rid ofthem. But one guy wrote, and
again this is not me. Thisguy wrote says, well, it's just

(02:01:19):
another democratic redistribution of wealth. Theybuy votes. They hate people who are
successful and corporations and all that,and what they do is they want to
pass laws to penalize them, andthey want squatters and low lifes to vote
for them. I don't know,although a lot of stuff. If you

(02:01:40):
do think about it, there areway more medium to low income people and
poor people and immigrants than there arerich people. So if they cater to
the crowd, they do get morevotes. There is no doubt about that.
But I'm not sure all of theirmotivations do that. I think there
is a certain amount of I don'tknow, liberals beliefs that think they're doing

(02:02:04):
good for mankind. I'm not sayingthey are, by the way, I'm
saying that's what they I don't thinkit's all just to buy votes. I
don't know. Again, we arecoming up on the end of this show,
and I really have to emphasize thatyou can get on the show easily
without waiting. If you call threeoh three Martino three oh three six,
two seven eight four sixty six