The Troubleshooter 5-15-24

Episode Transcript

(00:00):
Yeah, d News need advice,so you don't have come runcious as fast
as we can. Shooter's gonna helpcome. Man, this is the Troubleshooter

(00:22):
Show. No Tom Martino. Hey, I'm Tom Martino. Welcome to the
show. Three oh three seven onethree. Talk is our number. Three
oh three seven one three eight twofive five. If you have a problem,
a question, or complaint and youneed help with anything, give us
a call. We got all kindsof things to talk about. And I'm

(00:45):
going to start out by saying thatcongratulations to Colorado. We are now the
third most dangerous state in the country. So I thought you'd like to hear
that. I was downtown last nightthe third most dangerous, the third.

(01:08):
I mean, think about this,think about this. It's unbelievable to me
that that I don't know, we'rejust we're just that bad. It's according
to US News and World Report.Now, this ranking is based on all
kinds of stuff, all kinds ofstats on arrest convictions, all that,

(01:34):
And of course, what did Coloradodo. They shifted eleven million dollars.
Well, Denver shifted eleven million dollarsfrom the police department to community outreach,
and they decriminalized stealing cars and whatelse. I mean, it's just I'm
moving back to New York City.We're safer than Denver. Now did they

(01:57):
say that? I didn't see whowho was ranked here? I guess the
ten most dangerous states in the US. Shocked the hell out of me.
I really, what do you whatdo you think the most dangerous state is?
Did you look it up? Don'tgoogle it? Look? Tell me
which one you think is the mostdangerous? You got one, doc?

(02:20):
I got. I would only sayIllinois because Margo Mark New York. You
know what? Now, this isUS, this is US News and World
Report. This is what they sayFBI stats, and it's the Okay,
here's what it is. Ready,the they you have the safest, the

(02:45):
unsafest, most dangerous states. NewMexico is number one, Louisiana's number two,
Colorado's number three, Arkansas for Washingtonstate is five, Tennessee is six,
Alaska is seven. What the hell? Where are they getting these?
Says? Eight is Oregon, nineis California, ten is Missouri. Now,

(03:10):
these rankings are weird. Weird.Now, as far as economies go,
it's weird. The economy is notthat bad in Colorado the actual economy.
So what do you think has thebest economy? In course, now

(03:34):
this is again US News and WorldReport, and they did the economy based
on the well you wouldn't call itgross domestic product, but it is kind
of like it's got to be California, right Tom, The number one,
the best Florida really, yeah,number one. It has the best business
growth and employment. Idaho a istecond to Florida. Utah is third.

(04:02):
Colorado comes in fourth for economy.It's a robust economy. And you know,
so there are you know, thereare good and bad things about Colorado.
The weather, of course you can'tbe Now. The point is this
is that right now, crime isthe big deal. Mark, When you

(04:26):
went downtown, what did you thinkit's by the way one area? We
were going to stop into a particularbrewery down there, and I am telling
you, man, for a fourblock radius, there was nothing but homeless
wandering around. They look like zombies, and there was no normal people anywhere,
not one normal person anywhere. Wedecided to hit the bricks and go

(04:49):
somewhere else, a different part oftown. But I'll tell you, man,
if I didn't have a concert togo see last night and one I
really wanted to see. There isno way I'd go downtown. It's a
hell hole. You know, Ididn't. I don't want to start at
the show like with a with adowner. But all I'm trying to figure
out. What I'm really trying tosay is is that we sucks as a

(05:15):
country right now. I don't knowwhat happened. Everyone says COVID, and
then other people say Trump. Youknow, since twenty sixteen it was Trump's
fault. I mean, I don'tknow why. I mean, but I
have not heard one person in mylife say it's Trump's fault for a crime.
Mark, Mark, I'm not talkingabout crime. I'm talking about the
country and everything. You hear itall the time. Blame I mean,

(05:40):
Biden even blamed him for inflation,which, by the way, now let
me tell you he's leading all theswing states, a lot of them by
over ten points. Now let's talkto Mary. Hi. Mary, By
the way, we love solving problems. And again, I don't want to
be a downer, but these arethings we need to talk about. You
know why Hey talking? Yeah?So down, Tom? What's that not

(06:02):
a down if it's reality? Yeah? Now, hold on, both of
you. I just want to tellMary, we'll take you right right now.
Hold on, go ahead. Mark. I'm sorry, Well we saw
George Thoorgood. I did not realizethis guy's like mid seventies. I think
he's seventy four or seventy five.He's popping around on stage, killing it
on the guitar. It just remarkable. Man, A man of that age

(06:26):
up there doing what he's doing wasjust phenomenal. I just it's encouraging,
isn't it. I like that.I like to see that. I'll bet
you could do that. Tom,You're in a great shop. I here's
what I say. In ten years, I can be president. I'll be
old enough to be president. Imade that joke at Mark's dad's birthday.
I said, now you're old enoughto be president. That's right anyway,

(06:51):
So Mary, what's going on?Can you hear me? Okay? I
can, Mary, thank you?Okay. Just before you came on on
the regular news, it said doctorJill Biden and Gay's medical information about heated

(07:12):
interiors of cars. She is nota medical doctor's Oh she's not right.
I know what is going on?Well, I just think you know anybody
people grab onto people grab onto credibility, issue things for credibility. I mean,
she she does have a PhD.But but you're right, I mean,

(07:33):
here's the deal. I don't know. I don't know. I just
want to forget that. Whoopy Goldbergwanted her to be the surgeon general too?
Are you kidding me? I amnot kidding you. Whoopy Goldberg on
the View said that she wanted doctorJill Biden to be the surgeon general.
You know, technically, do youhave to be a doctor to be the

(07:54):
surgeon general? Do you? Technically? I don't think, for example,
you have to be a lawyer tobe a Supreme Court justice. I mean
I think pretty sure you do,do you? I don't know. I
mean I don't think you have tobe a lawyer to be a judge.
Look it up. I'm looking itup right now. To be on the

(08:16):
Supreme Court, I don't think sowell. I might as a medical doctor.
I think what they should do iscall people who are not medical doctors
professor, so that you differentiate themand you don't have this confusion. Yeah,
Mark, I mean doc always hadthat thing he was he was upset
about, and I don't blame him. Sometimes PhDs overstep, especially if they

(08:37):
have a PhD of nutrition, theystart giving medical advice right now, listen
to this. According to Professor Bing, you do not have to be a
lawyer to be appointed to the USSupreme Court, nor do you have to
be a lawyer to be a judge. The Constitution sets no explicit requirements.
How about that, now, noage, no education or job experience.

(08:58):
I was in Colorado. In Colorado, you have to be the nominee has
to be a qualified elector of thestate of Colorado, licensed to practice law
in Colido for at least five years? Is that to be a Is that
to be a Supreme Court? Hey? Colorado, Mark, listen to this.

(09:18):
The Supreme Court, according to theUS Constitution, it does not require
citizenship. Wow. Well, ifyou think about it. They have to
be nominated by the President. Thenthey have to pass Congress. So I
mean, really, it's pretty hardto get there, as we all know.
So Mary make your final comment.Okay, she's gone. Okay,

(09:43):
let's go to Pamela. Hey,Pamela, I'm Tom Martino. What's going
on? I'm mister Martino. What'shappening? I have a squatter in my
home? Oh no, yeah,do wait, wait, wait, you
really do have a squatter in yourhome or do you have them in a
rent to love yours? And myhome is rented out? I'm sorry,

(10:03):
Yes, it was my rental property. He is now gone. Is that?
Oh? Is that the one thatyou called us that your son caught?
Oh? This is another one?Okay, yahness? May I ask
what happened? How did it happen? Okay? He was doing some work
for us, cutting our yard,and someone must you know, because it

(10:26):
was just my mother and I.So some handyman work. Yes, she'll
be ninety tomorrow. And what happened? So this guy's doing some handyman work?
And what happened? So he knewa lot about us information and the
people that were reading my property whogot in October? So because we're Enjoygia
for medical procedures. So I hadher to give him the key to my

(10:48):
home. Oh. Now, didhe claim that he had any kind of
an agreement with you? No?How'd you get him out? Set up
a court appearance from quit via telephone? And he didn't show? Okay?
And then did you get a rentfor eviction? Didn't have to do any

(11:09):
of that? Did he leave onhis own. He's a cat. And
not only was he squatting in myhome, he was trying to rent too,
yes to some people eight hundred dollarsa month. I found all this
out. Oh, I remember duringCOVID. This happened to some friends of
mine. During COVID there were sometenants listen to this that moved out and

(11:31):
stopped paid rent, stopped paying rentand they couldn't be evicted, but they
moved out. Then they rented theplace that they did not own that they
were getting rent free thanks to thegovernment and COVID. They were collecting rent
on a place that they were notpaying on because of COVID. Do you
remember that Mark that was the mostneighbor gave I call and that happened to

(11:54):
him. So they were renting aplace in Castle Rock, nice house,
you know, and they they weren'tpaying any rent for a year and a
half. And on top of that, they were renting out the basement in
a room to other people, ifyou can believe that, and collected money.
So fimiliar to my situation. Howhorrible. Now, what else do
you have going on? What youcalled about insurance? Yes, because with

(12:18):
him squatting the majority of what needsto be done is because of what he
and oh what happens thing? Youknow, we have never asked that question.
I think to Brian Burns, whydon't we Why don't we get Compass
on because I'm gonna I have afeeling we're gonna need him. Hold on,
we'll come right back to you.All right, let's talk about this.

(12:39):
Anyone else with a problem, questionor complain, give us a call.
That's what this show's all about.Let's kick some ass. Let's fight
for our rights. I'm Tom Martine. Don't forget waterpros dot net. The
best water systems, the lowest prices. Get water at your kitchen sink,
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(13:05):
Denver's best roofer Excel roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkup, free, no obligation comparison call Compass
Insurance paying too much your coverage atdozens of insurance companies find out now three
all three seven seven one help.You'll think you're his only customer. When

(13:26):
you choose Frank durand the real estateman dot com to list your home with
Remax Alliance three all three nine twozero sixteen twenty two. Hey Tom Martino,
your troubleshooter three all three seven onethree talk three all three seven one
three eight two five five. Bythe way, mark you missed yesterday.

(13:48):
Drew called in. He was askingabout you, and that'll up to you,
man. What was he He wasupset. Listen to this. His
insurance. He could not get aquote on his car from State Farm insurance.
Now he's never had State Farm before, so it's not like they knew
him. And they said we don'twant you, but they not give him

(14:09):
a quote, and he was veryupset and he's wondering why. Well,
we found out why he actually didhave an issue. We ran a clue
report and he has an open pippersonal injury protection here, the pip acclaim,
And what Compass told us is thatthey will not open a new policy

(14:31):
for someone who has an open claimon personal injury. So that's what happened.
And I had our signature sound forDrew. Listen, tell me if
you think this is apropos, it'sperfect anyway, let's continue with pam here.

(14:54):
She had a squatter, she evictedthe squatter, and then she has
a claim and we're trying to getcompass on where do we stand on that?
Kachina And hey, Pamela, whatdid your insurance companies say? You
know, they called me busnit trainnumbers and said they've called back in a

(15:20):
day or two, which more thanlikely they did. However, I was
in the doctor's well. It doesn'tmatter they if you missed a call,
that doesn't negate your claim. Arethey going to fix the damage or not?
They I have no idea. Theyhave not called me. I've been
calling for two weeks, oh threeor four times a day. You know,
it's very curious. If someone brokeinto your house and destroyed stuff,

(15:43):
you would have coverage. Now,now is this this is a little different.
Remember this is a state farm.We're talking about one of the worst
companies in the entire world. Oh, you know, I just I want
to ask these state farm agents rightnow. I want to ask them,
how do you sleep at night?I swear to God, if you call

(16:03):
in, I will give you theutmost respect, But tell me how you
sleep at night? Knowing you can'tgive people the best option in the insurance
world and you're tied to one company, and how the hell does that work.
I'd like to know that. I'dlike to know how you do it.
I have been reduced to tears becausedo you have an agent? Do

(16:26):
you have? Wait? Don't theysay like a good neighbor, state farm
is there? Is? That?The song? Got it? Hey,
Pam, do you have an agent? I do, and he has not.
He has not called you back.No, and the case was put

(16:48):
in a march sat Wait, didyou call the agent? I'm not talking
about the company, not the claims, not the adjuster. Did you call
your local agent, like a goodneighbor he is there or she is?
Did you call that day? Oh, you didn't call your local agent to
find out? I want to listenhere. I'm going to give you some

(17:11):
homework. I want you to callhim today telling you we're on the radio,
and I think it's atrocious. Youhave not even heard from anyone,
and you're looking at a bad faithlawsuit. If he doesn't get you action,
then call me back. I meanit. Okay, that's all we're
gonna do. I'm gonna give yousome homework. You call your agent.
You can call me, you cancall me back. Even now, let's

(17:32):
talk to Compass insurance that they're areexpert here. They have nothing to do
with State Farm. Now they dothe insurance checkup, by the way.
That means they will check to seeyou're not over insured, under insured,
that you're not that you're not payingtoo much. So, uh, let's
see who's there. Jeremy, Hey, Jeremy, listen, man with a

(17:56):
squatter. There's damage done that wouldbe covered by homeowners right, okay,
I yes, that should be vandalism. Okay. And can they say in
the case of him being a handymanand she let him, she didn't let

(18:18):
him stay, but he just startedstaying there. Can they turn it around
in any way and say it washer fault for hiring him or anything.
Could they turn that into more likehe should go to his insurance or you
know, with that change anything.So the handyman is the squatter, yes,

(18:38):
exactly, and then he's left,he has since left, Okay,
I mean it was if it wasa case like a normal case where a
handyman, you know, caused abunch of damage, right, typically you
could still go to your Oh okay, would Okay. I mean a lot

(19:02):
of that is on intent though,right, So that's the part with the
squatter, you know, like they'renot supposed to be there. It's a
lot different than a than a tenonright, because what we yet a lot
of times with vandalism is hard livingversus vandalism. Was this malicious? Did
they intend? No? No,you're I see that? What if?

(19:25):
What if they were a squatter?Now they left, but while squatting there,
he's just a mess. He justyou know, dirty and all that.
See, when does it become discreetit to be any damage a squatter
would cause, it is intentional becausethey're not supposed to be there. Okay,
excellent, Yeah, hey Jeremy,how about if your house was empty

(19:48):
for a long period of time anda squatter kind of broke in after I
don't know, let's say it's beenempty for a couple months and a squatter
breaks in and creates all kinds ofdamage. A lot of police these are
going to have vacancy exclusions that willkick in. Usually it's sixty days,
but it could be vary by companywhere they're going to exclude vandalism. So

(20:11):
you got to be careful on avacant home. We're seeing a lot of
these right now where people will wantto keep their policy and just kind of
ignore it and you know it's vacant, but it's always best to deal with
that and get a specific vacant homepolicy or a policy that's not going to
exclude that vandalism because a vacant homewhere squatters could come in, you certainly

(20:33):
could have some issues of coverage.Hey, when you said when you said
just the vandalism part, the otherperils. Let's say you're not in your
house for ninety days or a halfa year, whatever it is, and
forget about that. But a stormcomes through and you have hail damage.
Does it not pay out for thehail damage either? Do those perils get

(20:55):
covered and just vandalism is not.Every company is going to have different exclusions,
So for everyone listening, make sureyou check yours specifically. But the
two big ones are going to bevandalism and then issues with freezing. So
they don't want like if the home'svacant, they want to make sure you're
you know, turn your water offor keep the heat on. You can't

(21:18):
just ignore the home because we know, you know, if you don't win
orize it and you're not heating itthat you're going to have problems. So
the idea or you know, ifit's vacant or yeah, if it's vacant
at some point the you know it'sgoing to get vandalized. So their typic
the spirit of it is to excludedamages that are very likely to happen.

(21:40):
But every company can write their ownas far as what they want to exclude.
But typically I would say, hellwould not be an issue. Okay,
thank you very much, Jeremy.Not the hal's going to happen,
so yeah, so what the hellthat anyway, Jeremy. Compass Insure Group
and remember home of the free insurancecheckup three oh three nine nine six nine

(22:04):
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(22:26):
too much your coverage at dozens ofinsurance companies find out now three oh three
seven seven to one help. You'llthink you're his only customer when you choose
Frank durand the real estate Man dotcom. To list your home with Remax
Alliance three oh three nine two zerosixteen twenty two. Hi Tom Martino,

(22:48):
your troubleshooter three O three seven onethree talks seven one three eight two five
five shoe canos with us My Money, Myway dot com three oh three seven
of a nine sixty six hundred.He's one of our financial extors we talked
to, a certified financial planner.Talks about retirement and talks about fixed indexed

(23:11):
annuities. He's got like fifty sevenof them, and he also does overfunding
of life insurance. And in myopinion, that's kind of like, well,
I don't I hesitate to call itan an annuity, but it's a
way to raise to have income taxfree, and it's also a way to
grow tax free. And for thosewho maybe don't have a giant lump sum,

(23:34):
it's an excellent product. And it'sa trick that a lot of people
do. They purposely overfund life beguersnow, Joe, I know you want
to talk about both, but canwe talk about the life insurance product?
Are you still doing that? Okay, I'm going to go to Justin now.

(23:56):
Justin is online one, he hasan employment issue? Justin what's going
on with you? Hello? JustinI We'll talk to Joe later. Justin
what's happening? Yeah? I justhad some employment issues and soon where I
can go? I mean that workfor I'd rather not give you the name,
but it's a pretty big, wellknown company anyway. They treat certain

(24:17):
employees different depending on what department you'rein. Yeah, what's going on?
Manufacturing? And they're not wanting togive us half hour breaks? They're telling
us that they're paid now. Nowhold on, So this is a regular
w two hourly position? Is thatright? Correct? And you're supposed to

(24:37):
get a half hour break every fourhours? Is that how it works?
I'm not exactly sure. I knowthat you're supposed to get one and then
you know, like a ten orfifteen something anyoney of it? What kind
of employment? What? Wait?What kind of employment is it? It's
manufacturing? Okay? Can you giveme an idea without giving me the company,

(24:59):
like like an assembly line or what? Just help me out here.
We manufacture products, okay? Youmanaged? Like? Is so you're in
a shop right with other workers andyou're all sitting there and you all start
at a certain time and it's piecework, is it? Is it like
piece work running machinery? Okay?Got it? Now tell me how tell

(25:22):
me? I need to know afew things here, because there are circumstances
where that could change. So youstart at what time generally around six o'clock
okay, and then you work tillwhen when is your day over two o'clock
okay? So it's exactly at twoo'clock seven eight, yeah, eleven,

(25:48):
twelve, one two, So that'seight hours. So what they're doing is
they're letting you work the eight hoursbecause if they add the brakes, do
you understand that, like if theyadd an lunch hower, you'd be there
nine hours. Right? Do youtake a lunch hour? They don't give
it to us, right, becausethey're they're doing for pay us for eight
hours and we're there for eight hours. That's exactly, that's right. That's

(26:12):
what I was getting at now.Whether or not that's because hold on,
if they add time for your breaksand stuff, you know, it just
goes on the back of your day, right, They don't have time.
They just pay you the exact No, no, bro, bro, I'm
not saying that. I here's whatI'm saying, let's say you make one
hundred dollars for the day. Imean, I don't know what it is.

(26:32):
Let's just use that figure. Now, you're there for eight hours,
you make one hundred bucks. Let'ssay, or make it easy, you
know, whatever figure you want.Now that's for eight hours. If they
add a lunch hour, they don'tpay you for it. So you'd be
there nine hours and still make thehundred bucks. Right, but it wouldn't
be an hour and be a halfa hour. Okay, well either one.

(26:56):
What I'm saying is but some workerswould rather have that break, right,
And is that the way you feel? You don't care if you're there,
say two thirty, as long asin the middle you get a break,
get some sort of break. No, I get what you're saying.
Yeah, yeah, and there's nothingwrong with that. Why don't they do

(27:17):
that? Then? I mean,you're not asking for extra money, you're
asking to take a break. Yeah, And I don't know. They just
tell us if you want it,you need to clock out. And then
even if we need to go tothe bathroom, you can't stop the machine.
Oh wait a minute, Wait aminute, wait, wait a minute.
They're telling you you're there eight hoursstraight with no breaks. You're supposed

(27:40):
to get a thirty minute unpaid mealbreak for every you're not allowed that they're
breaking the law. Okay, nomatter what, even if even if they
I mean, what I'm saying isthey're not breaking the wall. They're still
paying you for time work. Butyou're not supposed to work more than five
hours straight, right, right,And even if we need to go to

(28:03):
the bathroom, you used to beyou could hold the machine and go.
Every four hours is a ten minutebreak, right, And we don't get
that. I mean, like Isaid, even if we need to go
to the bathroom, we just tobe able to hold the machines. Now
they're telling us, nope, youneed to come find a supervisor to cover
you. Well, okay, holdon, hold on, Like wow,

(28:25):
that's weird, that's weird. Yeah, it's getting pretty bad. I've been
there for a very long time,and within the last couple of years.
It's just from what I'm from whatI'm reading about the law, they're doing
it wrong. But now what Imean, in other words, how many
workers are there? Quite a few, and everybody's about set up with it,
and nobody it seems to me it'sno skin off their back for doing

(28:48):
it. Now, Now, didthey say, if you want to break,
you can take the break. Youyou clock out and take the break.
Yeah, then at that point,then you lose that eight hours and
you don't get paid eight hours.Wait a minute, you lose it?
You mean you lose the thirty minutesof the eight hours. You lose the
thirty minutes. Yeah, you don'tget eight hours for that day. I
understand how they are allowed to doThey are allowed to do that. In

(29:12):
other words, if they're saying youcan take thirty minutes unpaid, and now
we're so you're only going to bepaid seven and a half hours, they
can do that ten the ten minuterest breaks from other jobs they're giving us
those, Yeah, the ten minutesaren't subtracted from pay. You're right now,
correct the ten minutes. Listen,no matter what. Okay, let's

(29:36):
let's just conclude whatever they're doing,they're not doing it one hundred percent correct.
So I mean, I'm with youon that. The problem is what
do we do about this? Inother words, I'm thinking, what does
it get you in the end?Wait, great a second, I'm a
little confused. If they're getting theten minute rest breaks. They're not four
hours or not. We're not We'renot getting anything. We're straight eight hours.

(29:56):
Yesterday I left without a single mealall day. But let me let
me put you. But you canclock out for lunch if you want,
right, Yes, if you getprission and somebody's able to cover you,
yes, Okay, Well, Imean yeah, I read here, but
I'm not sure that's you know,what, do we have any labor?

(30:17):
God, we don't have labor atanymore, never have. It's the most
difficult area of law because waged workerscan't afford attorneys, and attorneys don't get
clients. I mean, okay,I mean they're kind of like, man,
we wish this place, we couldturn it into a union. I
mean, hold on a second.By the way, you can do that,

(30:41):
but hold on a second. Ithink there is something you can do
as a group and it won't getyou in trouble. But I got to
take a break. Hold on threeoh three seven, one, three eight
two five five. Go with asure thing Denver's best roofer excel roofing dot
com. You don't pay a centuntil you're content. Time for an insurance

(31:06):
check up free no obligation. Incomparison, call Compass Insurance paying too much
your coverage at dozens of insurance companiesfind out now three oh three seven seven
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three oh three
nine two zero sixteen twenty two.Hi Tom Martino, your troubleshooter three O

(31:36):
three seven one three talk three Othree seven one three eight two five five.
Welcome to the show. Okay,so we are here to solve your
problems. We hope justin. Buthere's what I think you need to do.
You need to call wage an hour. These are good people and they
will enforce it. I think they'llkeep you anonymous or you go as a

(32:01):
What they might do is shift yourshift, your your hours. They may
just start, you know, it'sfrom six to three. They give you
the half hour, or excuse me, six to two thirty. They give
you the half hour, and thenthey're going to have to implement. Now,
Mark was asking, and I knowwhat he was I think I know
what he was going to ask aboutthe ten minute break every four hours.

(32:22):
What happens at lunch. What happensis you work four hours, you can
take a ten minute break, andthen the next four hours you would take
a lunch. Is the way itwould work. But in some cases where
people work overtime and stuff, that'swhere the extra ten minutes would come in.
So no, no matter what,they got to do something. So

(32:42):
how do you guys get a differentway job? Man, If you're so
unhappy with them, go find somethingelse. Oh yeah, I've been looking.
Yeah, I've been looking. ButMark, don't you really think seriously
that he's got a good case.I mean, in in liother words,
that this man I had fifty Ihad fifty employees hit to Good Years store,
and not one time did any employeeI have over the years go,

(33:04):
hey, we didn't get to takeour break. I just never even heard
of such an issue. Yeah,but when different kind of work, Mark,
it's a different kind of work.They're they're not doing piecemeal on a
bench or on a on a drillpress or on a machine that they were
like doing cars and they could geta cup of coffee and they you know
what I cou Yeah, I thinkthat's a whole different thing. Really,

(33:25):
if you think about it one timein my life, and I think it
was a reason for some of mysuccess and and and monoicums, you know,
a moderistic success as far as alife. But I just loved having
the experience when I worked at afactory. I worked at a factory after
school for about a year and andit was terrible the factory work. And

(33:49):
I know what he's talking about.When you do piecemeal, those breaks mean
a lot. So justin that's whatI would do. I mean, I
I I really it's the only solution. Go with a sure thing Denver's Best
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(34:14):
too much your coverage at dozens ofinsurance companies find out Now three oh three
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three oh three nine two zero sixteentwenty two d News. You needed that

(34:38):
who you don't have? Run anxiousstas as we can Shooter's gonna help come.
Sixth is the Troubleshooter Show. NoTom Martino, Hi, Tom Martino
here, Welcome to the show.Three oh three seven one three We talk

(35:00):
three all three seven one three eighttwo five five. What's on your mind
today? How can we help you? We have all kinds of things to
talk about. Waterpros dot net willget you the best water systems at the
lowest prices, whole house systems toget rid of, heavy metals to get
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but heavy metals and other crap inyour water, plastics and all of that.

(35:23):
About three grand a little more thanthree grand NY thirty four three five
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(35:49):
us My money, myway dot com. Last hour, I asked them about
alternatives for people other than the stockmarket, although as I said, we're
not recommending you do all of onething ever, But when it comes to
a lump sum, a fixed indexedannuity can get that lump sum growing with

(36:15):
a guarantee not to lose. Itcan also give you a guaranteed income for
life. And when it comes toother things, overfunding life insurance we talked
about now. Joe introduced me tothis many many many years ago, where
you buy life insurance and you overfundit on purpose. And the purpose is

(36:36):
not really the life benefit, althoughthe death benefit although it does help.
The real purpose is to accumulate taxfor earnings and then you start drawing it
out as policy loans and it doescreate kind of a tax free income.
Now it's not an annuity, butit still has the same protections. I
mean, you're not going to lose, right, Joe, that is right.

(36:58):
You know, Tom de life insurancepolicy is guaranteed and tax free.
And people today, you know,they're tired of a couple of things.
They're tired of paying high income taxesand also they are tired of losing money
in the stock market and also financecharges. Look at mortgages. You know

(37:19):
they're seven percent or more now.So the key is this life insurance policy.
You can put money in and agross tax deferred, and then you
can take the money out income taxfree. Think about that, income tax
free, so they can do theirown financing. The name of the strategy
is called become the banker, becauseyou and essence become your own banker.

(37:45):
I have done it myself. Wason Jordan. He'll be in, he'll
be at the studio year later.But I mean you can ask him about
it. He got his first carand he financed it through his life insurance
policy. He paid that off tothe life insurance and that he bought several
other things. It's a fantastic strategy, totally different than the annuity life You

(38:09):
know, they become the bankor policyis for today's needs. People need it
today to finance or purchases. Theannuity is for retirement. Yeah, and
and and so can the UH.Like I said, the overfunding of life
insurance can help finance purchases. Youpay it back with interest, you grow

(38:30):
even more money, and that canbe used in retirement too. I mean,
let's face it, Joe, alot of people don't have enough to
put in an annuity. That wouldmake a difference, is what I'm thinking.
Now, I'm not I'm not sayingyou know so, so this to
me is like a poor man's annuity, and I don't even want poor man's
it's it's it's a good tool.And that's really what I love about it

(38:54):
is that anyone can do it.Absolutely anyone agree. I agree. I
mean, anybody can do it.They just have to be in good health.
That's the main thing. Oh yeah, okay, that's a good point.
That's a really good point. Rightto qualify for the life insurance with

(39:14):
the reality there's no qualification at all. Okay, listen, what do you
think about the uh what do youthink about the ideas that people have about
you know, like you hear allthe time people talking about the stock market,

(39:34):
day trading, they talk about allkinds of How about real estate?
And there's a guy who, bythe way, I trust him. He's
a good guy. Locally, headvertises they're not real estate trust, but
he teaches you how to get involvedin real estate where you buy and rent
out places. And there's a managementcompany that takes care of before you and
all that. Everyone but they alltry to have one thing in common.

(39:59):
They're trying to invest your money right, or get you to invest your money
right. So tell me, seriously, now, what is the difference with
what you're doing with the fixed indextinityor the life insurance. I would say
the biggest difference is one hundred percentsafety. That's what I would say that

(40:22):
that is right. I mean,you know, it's amazing that you mentioned
this right now, because I justmet a couple yesterday. You know,
they're in their fifties and they're makinga good income, but you know they're
highly, highly worried about the stockmarket accounts that they have. They told

(40:42):
me, you know, I'm we'rein our fifties right now. We're going
to start thinking, you know,maybe in about ten years or twelve years,
I'm going to be retiring. Iwant to keep my pool of money
that I have built up on myfour to one case and I erase totally
safe. I don't want to playthe stock market anymore. I've seen it

(41:02):
go up and down. I mean, look that up in in two thousand
and eight. I mean, peoplelost a lot of money. So the
biggest concern that people have that I'mseeing right now is the ability to keep
their money safe. So you're absolutelyright. Safety. Safety is the key
to the annuity. You can growyour money with safety, and then,

(41:27):
just like the couple that we met, they want to have a guaranteed income
for the rest of their lives.This is what people really want to guaranteed
income. Thank you, Joe.I'll be back to you. If anyone
has any questions, give us acall. You know, let me just
say something about Joe as a certifiedfinancial prayer. I'm serious. You can

(41:49):
ask them about other things too,not just about this stuff. If you
have any questions about financial planning foryour family. Hey, Doug, what's
going on with you? Hi?Doug, Hey, how you doing today?
Good man? What's going on withyou? Yeah? I called in
while just trying to find initially finda if you had an attorney that might

(42:13):
be able to help me out withthis. What's going on with is a
lot of times people think they needan attorney. We're able to help.
I'm not saying you don't, butwhat is this situation? What is the
situation? Sir? I have aF two fifty diesel truck that inadvertently had
unleaded gas put in the tank.How was it in? Who put the
gas in there I did. Iwas doing a dozen different things. And

(42:37):
as soon as I knew it,And so what did you? How much
did you put in? All?Probably about twenty twenty gallons fifteen gallons of
what exactly what kind of gas?Unloaded? Okay? And what I mean
what octanes? You know? Eightyseven properly okay? So so tell me

(43:01):
did you what did you do afterthat? Did you drive it? It
was in a fuel line of pumps, so I turned it on. I
drove it about a hundred feet.That was probably turned on. So you
didn't realize you did it until youdidn't realize you did it right away,
then until after you drove a hundredfeet. In other words, you didn't

(43:22):
pump it. I pumped it inand realized, Hey, I just put
an unloaded in my diesel and Ihave to get it out of the way
of the pump. Got it?And oh okay? So you drove it
about one hundred feet and then whathappened? And then I had it towed
to a shop? Okay? Andwhat happened then? Help me and my

(43:43):
son son act went with the toedown to the shop. And what what
year truck is this? So twentythirteen. Okay, and so tell me
about what's going on. Now.Why do you think you need an attorney?
Well, we dropped it thinking thatwe need the uh can't dropped,

(44:05):
U drained, thrushed, Yeah,fuel you know a couple of things in
fuel line and yeah fuel pump.Uh Huh. So I didn't hear anything
for five days. Okay, Soyou dropped it off, didn't now when
you dropped it off? My sondropped it off for me. Okay,

(44:25):
did you ask for an estimate?Uh? No, we just uh you
just said that, Hey, thisis the situation. We didn't need the
can't drop, drained, flushed?Uh. And what's the name of the
shan It's called uh v R Autoor VR Truck and Auto Repair. How'd

(44:51):
you find them? My son's usedthem before. Okay, Okay, so
hold on a second. We'll comeback to you. I want to I
want to know what's going on withit. And it was there for five
days. We'll come back to you. I'm Tom Martino, and I hope
it's not a real serious issue.Well, I don't know. Hang on

(45:15):
more. Right after this, gowith a sure thing Denver's best roofer Excel
roofing dot com. You don't paya cent until you're content. Time for
an insurance check up free, noobligation. In comparison, call Compass Insurance

(45:37):
paying too much your coverage at dozensof insurance companies find out now three all
three seven seven to one. Help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three all three nine twozero sixteen twenty two. Hi Tom Martino
here, let's go to the phonesand help you. Hey, listen,

(46:01):
Doug. He had his truck takeninto DNR. Thinks I already said DNR
right, yeah, And it wasfor having unleaded gasoline in his diesel tank.
So he took it in to bedropped and drained. What's going on

(46:22):
now, Doug? What's happening?It was there five days then? What?
Well? I hadn't heard anything,so I called and find out what
was going on. I thought maybethey were waiting on part or something.
Uh. And I talked to Rickand he said that, uh, that
that he had already started to work, and he assumed I wanted it done.

(46:45):
Something was dropped there and I said, well, well, usually when
you drop a car there, itdoes give permission to do the work usually,
right right, okay, I meanby the by the Colorado or a
repair Act, it's assumed you wantwork done when you drop it off.
You're not allowed to drop it off, okay. But but also under the

(47:09):
Colorado Repair Act, they're supposed togive you an essay. So what happened?
So he soon I wanted it donewith giving me an estimate, and
he had already started it. Isaid, where are we at now?
And he said, twelve nine dollars. No, wait a minute, wait

(47:34):
a minute, wait a minute,what do you mean twelve thousand? What
do you mean? Yeah? Ohno, no, no, no,
no, no, come on,come on, How the hell, How
the hell do they spend twelve thousanddollars of your money? Well, apparently,
what they did they dropped the tankand they replaced everything new, from

(47:58):
the tank to the fuel injectors.But who said that had to be done.
Nobody said it had to be done. They just did it. No,
no, no, man, thisis unconscionable. This I would say
if it was going to be asquabble over a few hundred bucks twelve thousand
dollars and he hadn't gone to thehadn't yet put on a fuel rails and

(48:25):
the injectors yet. So I'm probablygoing to be looking at a fourteen thousand
dollars bill. Oh no, you'renot, man, I can't believe.
Honest to god, this is weird. No, listen, okay. I
mean my question is basically, yes, I wanted to tank dropped. I

(48:46):
wanted it taken care of. Iwanted a new tuel. Let me ask
you some did a trow truck dropit off? Yes? Was it after
hours? Yes? Damn it?You know what, I'd have to double
chip that with my son because yeah, but you did your son talk to

(49:07):
any hold on? Hold on man? If it was dropped there after hours?
Did anyone call him or did hetalk to your son? He's only
talked to my son. Uh,And I told him I never received a
call from him. I've never beento the shop. I'm not asking that.

(49:28):
I'm asking one thing. Only didhe talk to someone? Did your
son go and talk to him?Yes? Okay, here's a few things
I want to get straight with you, because you're thinking he needed to do
certain things. When you drop atruck off or a car after hours at
a repair shop. You are basicallyopening yourself up. You are saying,

(49:52):
fix my truck. Okay, that'swhat you're saying. Like it or not,
it's been decided in the courts before. That's what you're saying. However,
however, I'm not sure that allowsthem to get by the estimate.
They may not have to give youa written estimate, but I'm pretty damn

(50:13):
well sure they should call you fora verbal and an okay correct? Oh
my god, So what did theguy say? What did you say to
the guy? Did you say,what are you kidding me? I just
said what And he said I waslike to say, what twelve thousand dollars?

(50:36):
And he goes, yeah, it'sa forty hour job? And well,
well no, did you say that'sCome on? This sounds crazy?
Doc? Doc? Or is doc? There? Are you listening to?
Doc? I can't believe you.You got to call this shop, but
first let me look up the autoRepair Act. We got to look up

(51:00):
a repair act, my god inheaven. And I actually did turn it
into my insurance company and they actuallysaid that they would cover it under my
comp insurance. What wait a minute, they're gonna cover your stupid mistake.
Surprise me. But they said allI needed was fourteen hundred dollars worth of

(51:23):
work to get it back on theroad. Oh, so they're gonna pay,
and you know what, they're probablyright now. Listen, I just
looked up the Auto Repair Act.A repair facility cannot proceed with repairs without
written consent of the owner, whichincludes estimate of repairs. Now, I

(51:44):
think there's a difference. Now,here's the exception for vehicles that are towed
in or left after business hours.In such cases, the repair facility is
allowed to perform work up to oneone hundred dollars for parts and labor without

(52:05):
the owner's consent. For any repairsexceeding this amount, the facility must obtain
oral or written consent, so they'renot required to give you a written estimate.
If it's dropped off before or afterhours, however, they must still

(52:30):
get you an estimate and get repairs. They can't win this now, Doc,
Doc, I'm gonna send this toyou, Okay, I want you
to call them. I'm gonna textthis to you, Doc. Jeff.
We've got Jeff. Okay, wecan get Jeff. But I mean,
as far as calling and stuff,I want to I want duck so I
want to bring Jeff up. Jeffvic Kimera transmission. Jeff, are you

(52:54):
there, I'm here, Okay,these listen to this. He dropped his
car off. I mean, thisis crazy. He dropped his far off,
and I just I can't believe it. They charged his truck was filled
with gasoline instead of diesel. Hehad it towed there and dropped it off

(53:19):
after hours. He calls back fivedays later and they say, oh,
we're already almost done with repairs.It's going to be like twelve grand so
far, twelve thousand dollars Jeff.Now, under the Auto Repair Act,
they don't have to give him awritten estimate if it was done, if

(53:40):
it was dropped off after hours.However, they still have to get his
consent if it's going to be morethan one hundred bucks. Are you aware
of that, Jeff or not?Yeah? Yeah. If it's towed in,
or if it's brought in outside ofnormal business hours, then there's an
automatic consent for the small amouth somethinglike one hundred and twenty five hundred.
That's right, that's right, it'sone hundred plus you're right plus ten percent

(54:01):
or twenty percent something like that,or twenty five you're absolutely right. Then
what then you got to at leastcall the guy and give them an estimate,
right, Yeah, they don't haveto be in person. You can
document it on the tip as faras who you talk to, what time
of day, what phone number youused, or if it was done by
facts or email or whatever the casemay be. And then who was to

(54:22):
talk to him, and what youtalk to them about, and the actual
price. My god, this isso what's the recourse? What's the recourse?
He can't charge them, that's whatthe recourse is. He can't charge
him. He has to refund thirteenthousand dollars. Basically, well, he

(54:44):
doesn't have to refund. You didn'tpay it yet, did you, sir?
No, I was trying to figureout what my options were. Well,
you know, but here's where Ilook at it. Doc, doc,
it's their problem. Okay, it'stheir problem right now, call them.
It's their frick problem. I don'tcare what they say. It's the
law. And he can go andlisten you take in the court, but

(55:06):
you may have to get an attorneynow because these guys, these guys are
overboard. They're overboard. I mean, I don't care who that. They're
overboard totally. They don't just getto start doing this, and you know
I don't. I've never heard ofthis place before. Where are they forty
one South Federal? Hey, Tom, do they still have his car?

(55:30):
Yes? They still have my car. I was going to go try to
pick it up today. And unfortunatelyI'm going to have to put that of
fourteen thousand dollars on my credit cardbecause I don't have that. Hey,
listen, they're not going to letyou as soon as you bring this up.
Okay, you we need to call. Do you want us to call
them or not? Because I'll swearto God if they're doing you wrong.

(55:52):
Well, the problem is I don'twant them to hold his car hostage.
That's that's the whole thing is.I think what I need to do is
go ahead, go down, paythe pay the bill, get my vehicle,
and then go from there and thenCassidy and then you can contest a
charge. Yeah. Now, Markjust texted. Mark just texted and said

(56:17):
he thinks there's no way. Youknow what I can do? I can
call Mark on my I can callMark on Google boys. But I'm going
to take this break. Man.Are you sure, Doug your son did
not hear from them at all?They have had contact with my son.
Okay, hold on, hold on, don't ever tell me. Listen,

(56:43):
he was your agent as far asI'm concerned, he was your agent,
and if he gave them any indicationto do work, you're screwed. Hold
On, We'll come right back toyou with a sure thing Denver's Best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time

(57:08):
for an insurance checkup free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three O
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martino

(57:32):
here, let me bring up mycolleague here, Major Mark, Major,
Hey Mark, did you hear thatgame? Did you hear that guy say?
Yeah? I texted you there's noway this shop. First of all,
how did they even know what tolook at. This is what I
heard. The tow truck dropped itoff at night. And then the next

(57:55):
communication was there's a twelve thousand dollarsbill. Find it impot right now,
let's talk to and by the way, just so people know, you do
consent to repairs when you drop atruck or a car off before or after
ours. However, the shop muststill if it's going to be more than
like one hundred and twenty five bucks, they must still get you some consent

(58:17):
from you, whether oral you know, verbal consent I mean, or written
consent. Now, we used tohave for the people that dropped off in
the middle of the night, notnecessarily a tow truck, but we would
have these envelopes. You put yourkeys in and you would fill out what
work you wanted done. You couldput in a dollar amount in check a

(58:37):
box and then you would drop itin our key drop. So, I
mean, I find it impossible thisshop just did twelve grande. Now,
Doug, here's what I want toknow. After it was dropped off by
a tow truck after hours. Whatwas the very next communication, Doug.
Well, since my son is anagent, I think I'm screwed because I

(59:00):
just got off the phone when Iwas on hold, and the para shops
said they have to order a kitthat is designed specifically for this, and
they ordered that kit. What doesthat have to do with your son being
an agent? Your son? Ifyour son told them to proceed, tell
me what happened, because they can'tbe blamed for that. What happened?

(59:22):
Did your son tell them to proceed? Proceed with ordering the necessary parts to
get it done? So? Yeah, but they still have to give them
a price, did you know?I mean, if he authorized it and
said just fix it, order theparts, I mean, that's authorization,

(59:42):
now, Doug, Doug, Iguess that could be. I didn't parson
into the law that much. Iguess that could be. You're supposed to
get an estimate though market. That'swhat the law says, even if not
in writing, you should get it. But then it says verbal consent.
So this is a screw job.Doug. Did you talk to your son?

(01:00:04):
I did. I just got offthe phone with him. Oh,
I thought you said. You justgot off the phone with the shop.
So your son said he gave thempermission to order the parts. Is that
right? That's correct and in order. Wouldn't hold on though, come on,
it wouldn't be permission to who thehell brings it to a shop and
gives permission to order the parts.Only he gave permission to fix the vehicle.

(01:00:28):
That my assumption. Now as well, I didn't know, Well,
of course it is. I mean, come on, if someone if someone
I call up and say this iswrong with your car and we need to
order the parts. You want toget it fixed, and they say,
yeah, order the parts, getit fixed. Now, hell, that's
his consent as it gets. Nowlet's let's consider this mark. Okay,
let's say they did nothing wrong underthe Auto Repair Act. Now let's ask

(01:00:53):
about the repair itself. That doesn'tgive them a license. I'm not saying
they did, but it doesn't givethem a license to cheat. Now,
if it ruined that, if itruined that engine, twelve grand on a
diesel, that's probably right in there. Man, Well what did they do
for twelve grand? That's what Iwant to know. Or you say they

(01:01:13):
have to go another couple grand,it's going to be fourteen? What did
they do for it? What theyhave completed? And my assurance suggessor said,
it looks looks like a great job. The fuel tank all the way
to this. Why, here's whatI'm asking you. Did it have to

(01:01:34):
be done? To my knowledge andan adjuster's knowledge, says, running it
for that short period of time,the fuel contamination probably didn't even get to
the fuel rail, So no,it did not have to be done.
Jeff Vic you have some comments fromKimmeer Transmission. By the way, one
of our experts. Go ahead,Jeff. I just had a question about

(01:01:57):
the sun because he can't legally allauthorise if he's not eighteen or older?
Is he? Is he a minor? He's older, he is an adult?
Okay, Jeff? Does it soundthat Jeff, if someone took a
truck into you and it had unlettedfuel put in it, can you fathom

(01:02:19):
spending this is that two fifty dieseltwenty thirteen? How many miles on a
DOUG? I think one hundred andsixteen thousand, can one hundred and one
to one six? Can you fathomspending twelve grand on it? Jeff?
It could get up there for sure. Yeah. The GAFF can do a
lot of damage and a very shortamount of time. All right, You

(01:02:43):
know, if the company listen ifthis auto shop, unless if they're outright
thieves, I mean, even ifthey're a little high priced. I mean,
I don't think they're extraordinary from whatI'm hearing. But you would have
had to fix it anyhow. Imean, what's the difference here? What
were you going to do if youbrought it somewhere else. Let's say they
did call you and your son didn'tauthorize it. What would you say,

(01:03:05):
Oh, just keep the truck orwhere would you have done with this?
Maybe got another got another estimate.I'll wait till the adjust adjuster gets out
there and take before you do anywork, because I have to say.
The adjuster said they could have gotit back on the road for about fourteen
hundred. I that's I don't knowwhat they did. He say what they
would so subjective. Yeah, that'san adjuster, that's not attack. That's

(01:03:30):
so subjective. But but in factthe guy's an ass for saying that,
Well, that's what the estimate fromall? Jeff or Jeff Okay, did
the adjuster itemize what would have beendone for fourteen hundred? Yes? What
did he say? Replace? Amfilter element replace? And then brings all

(01:03:58):
a few pump as Lie pair andreplace, or do the fuel tank,
fuel pump plus the fuel pumps,clean the fuel tank plus. Okay,
so Jeff, does it sound likeit could have been done for fourteen hundred?

(01:04:20):
For fourteen hundred, I found alittle low. But that's the far
cry from twelve thousand. From whatI meant. There could have been somewhere
in the but that stuff, thatstuff he just named, Jeff, wouldn't
you someone comes in and says,hey, we put gas in our diesel.
I mean, wouldn't that be theminimum where you have to start everything

(01:04:41):
they said? And then as you'redoing that stuff you would find out other
damage. Yeah, that's what I'msaying. So what who cares what this
adjuster said? If he didn't tearit down, he didn't find the other
issues. Here's what we need todo. Well, first of all,
you should pay for it and getit out of there, and then have

(01:05:01):
it analyzed. I mean, whyyou can't have an anlyes. Everything's removed,
everything's replaced. Yeah, everything's goingwell. Maybe they still have some
of those parts. I don't know. I don't think there's cores on a
fuel rail or anything. And here'sthe other thing. Tell your kid to
start mowing lawns. Did you Well, his kid didn't do it? Did
he? Oh? Who did it? I accolutely put it in, So

(01:05:27):
here's who did Yeah he did,but run out fifteen twenty seconds? Would
the gas get Jeff? If heran it for fifteen or twenty seconds,
let's you even say a minute,would that happen? I mean that fuel
goes through their fast, right,Jeff goes through there very quickly. Yeah.
Only about a third of what's goingup to the fuel rails going into

(01:05:49):
the engine. About two thirds goback to the fuel tank's cooling. Yeah,
so fifteen twenty seconds are running,Jeff? What would have happened if
he just drained What if it wouldhave happened on his own if he would
have just drained it and filled itup with diesel? What would have happened

(01:06:09):
in reality? Really after running roughfor a few miles? What it wouldn't
have ruined the engine? Would it? Well, you have incomplete combustion because
you don't have a sparkbook, Soyeah, you can definitely ruin an engine.
Oh really, all right, listen, but Jeff, thank you?
By camera transmission the website Transmissions Denverdot Com three oh three six nine three

(01:06:33):
fourteen hundred. Any last words there, Steve because I mean not Steve,
Doug because I feel really bad foryou. But once you said my son
was the considered the agent, well, now listen, I'm not going to
give you legal advice, but here'sthe point. You need to check with
someone. But I'm pretty sure thatif it was dropped off and you gave

(01:06:57):
your son authority to do it,and your son told them to pursue Seed,
it would be damn near hard tosay that you know they violated anything.
I mean, don't just think commonjust think common sense. What is
every repair shop gonna have to trackdown the owner, not just track it
down or for all they that's exactlyright, for all they knew he was

(01:07:17):
the owner, and then they havean action against your son. I mean,
the whole thing would get messy,Doug. If they did the work
and quality work he've said, Look, price can get up there. I
don't know, man, the worstworst case scenario. You have something that
works. Now, I'm Tom Martinez. We have more coming up. Three

(01:07:38):
oh three seven one three talks sevenone three eight two five five Go with
a sure thing Denver's Best Roofer Excelroofing dot com. You don't pay a
cent until you're content. Time foran insurance check up free, no obligation.

(01:08:00):
Comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies
find out now three all three sevenseven to one help. You'll think you're
his only customer when you choose Frankdurand the real estate Man dot com to
list your home with Remax Alliance threeall three nine two zero sixteen twenty two.
Yeah, Ritt News need advice?Who you don't have? Come runxious

(01:08:30):
as fast as you can. Shooter'sgonna help. Come man, This is
the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome
to the show. This hour broughtto you by eight eight eight Heating dot
Com, which is also eight eighteight heating, plumbing, cooling, an

(01:08:55):
electric. And by the way,they have right now a twenty eight dollars
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(01:09:15):
a normal service, they credit youthe twenty eight bucks risk free service fee
eight eight eight heating dot Com.The number is easy to remember. It's
three oh three seven seven zero twoseven seven six eight eight eight Heating dot
Com. So I want to talkto Steve real quick. He wanted to

(01:09:38):
give an example of some success hehad with an annuity. You know,
we talk often about this fixed indexannuity. Jordan's with us too, he
deals with them along with his fatherJoe. But I always like real life
experiences, Steve. What was yoursituation? This is a real life situation,
Steve. Go ahead, Hi job, Thank you. So Steve,

(01:10:05):
do you did you have a lumpsum in retirement or did you contribute to
an annuity? How did you comeabout an annuity? Well, I retired
from the Boulder Valley School District intwenty sixteen. I had a modest investment
with Voya initially and with Empower later. The modest investment was about sixty eight

(01:10:31):
thousand dollars. And was that ina four to oh one K or what
what kind of investment? Was it? Four oh one K and a four
fifty seven? Got it? Andit grew over the years up until COVID.
It grew from about sixty eight grandto ninety two grand. Okay,

(01:10:54):
after COVID hit I in the pastthree years or so, I lost twenty
four thousand dollars. Oh my god, it was It was not on me
because I'm not smart enough to managethe investment, and so Empower and Boya
managed it for me. But Iended up losing twenty four grand. And

(01:11:18):
I listened to you every day ofthe week, and I've learned so much,
thank you and thank you Steve.So I thought, well, why
not talk to Joe. Yeah,And so Joe sold me an annuity with
what I had left from ninety twodown to sixty eight thousand dollars. And

(01:11:42):
I got an annuity of darn nearseven hundred dollars a month until I'm dead,
no matter how long I live.Is that wonderful? And you got
and did you get? Also ontop of that, did you get a
bonus going in I'm not sure whetherthat was included in the ash burial or

(01:12:05):
not. And it's something I've beenmeaning to ask. Hey, let's ask
Jordan. Jordan, was there abonus when he went into that? To
make up for some of that losshe had. Typically there always is.
But did you turn it on immediatelythe nuity? Oh yes, rather than

(01:12:25):
wait a year. Yeah, good, yep, that's beautiful. So I
turned it on immediately. And howold are you right now, Steve ibbab
seventy eight in July seventy eight.And here's the good part about this.
You have a guaranteed income and ifthere's any money left, it goes to

(01:12:48):
your heirs and you can't lose adime. Correct. Yeah, it's great,
No, no, it really is. You You typify a great exemple.
You had a very important nest eggand it grew and then all then

(01:13:10):
you lost everything it grew from.You know, you know, all that
growth you lost. So you saidenough of this madness, you know.
Yeah, I want to see thankyou yep. And I and I did
not want to have to go backto work. Yeah, well, thank
you, by the way, andthank you for everything you've done as a

(01:13:32):
teacher too. Listen, here's whatI want to say that this is a
great example. You see the stockmarket, they were investing money and they
made some money for this guy,and then it went right back to where
it was now here's the deal.The stock market is not a bad thing.
It can be done conservatively safely.It can make money, it can

(01:13:56):
outpace inflation. It can. Butonce if you get your money, you
can't depend on it for retirement.The lump sum doesn't stay a lump sum.
And and that's what I'm getting at, is that, sure a fixed
indextinuity has you know, once youdo it, it's it's it starts growing

(01:14:21):
at its own rate, and thenyou have the guarantees and all that.
And sure you could make a hitin the stock market that would be bigger,
and then you can lose it,and then you can make more,
and then you can invest in otherthings. But as you get older,
that volatility you don't want. Jordan, Isn't that how you would put it?

(01:14:42):
That's exact. Yeah, that's exactlyhow I'd put it. It's I
always say it's a great way toearn interest, just like a stairway effect.
You're gonna go up when the market'sup, get the interest, but
the mark comes down and crashes.With these accounts, it locks in.
You can't go lower and go negative, just like Steve refer to in that
previous annuity. So you're your spoton the This is a great way to

(01:15:03):
grow money, give you income forthe rest of your life, and on
top of that long term care.Yeah. And I don't mind people if
they're in the stock market as theyas they're younger middle age or even getting
upper upper middle age. But atsome point what you should do is harvest
some of the gain and preserve it, and then if you want to still

(01:15:24):
continue to invest, fine, youknow That's what I did, Jordan.
I I took a lump sum outof my four oh one k, but
continued my four oh one k.I mean, and it's in the stock
market. I mean, what youdon't want to do is put everything at
risk in the stock market. Andthat's the whole point. Hey, anyway,
can I give an example? Yes, go ahead, you go ahead,

(01:15:44):
Doc. I did a lump sumand I got to guaranteed UH income
with a minimum of three percent everyyear. So on the minimum of three
percent growth is what you're saying costof living, right minimum? So yeah,
on the on the adversary of mypurchase, it's the stock market.
If the market goes up up morethan three percent, I get whatever the

(01:16:08):
market went up. If the marketsaved the same or went down. I
get to three percent, no matterwhat, you know, that's a good
option. What is that called,Jordan, What is that called? Cost
of living? Yeah? Usually it'slike a like the income writer. It
allows to step up. So someof them called income writers, some of

(01:16:29):
it just call you know, likeroll up, you know, and so
it's just a great way that hejust like docs saying, there is just
a great way to allow your moneyto continue to grow. Here. Paycheck's
better for the future, whether it'sinflation or just like you said, cost
of living increase here in Colorado especially, Yeah, thank you. Three h
three seven one three talk seven onethree two five five. Jay's got to

(01:16:49):
comment on that gas diesel issue.This guy had a truck and he puts
some gasoline in the in the tankinstead of diesel. He drove he said,
one hundred feet called the tow truckand he's facing now twelve to fourteen
thousand dollars in repairs. What isyour comment, Jay, Uh, just
to start as it's pretty crazy,but I think and you touched on it

(01:17:12):
briefly, but from my days whenI was in mechanic, I'll tell you
people that bring me things that havebeen to shop after shop after friend after
shop, and I'd always say doyou have the old parts, and they
say no, keep your old parts. Always tell them you want your parts.
Then if there's something going weird,you can go back and look and
see, Okay, this was fine, we can put it back on.

(01:17:34):
You can take it back and comeand stick this. Keep the parts.
If it does run into a problem, you can always take your old parts
with you to someone else who canevaluate the situation much better with your old
parts available. Thank you, Jay, And under the Colorado Repair Act,
you have a right to get thoseparts. Thank you very much. Three

(01:17:55):
O three seven three eight. Yes, this is Deputy bo. I have
a comment about uh diesel case.All right, let's look after this.
I also want to take Diana,who has an identity theft issue, and
uh it's let's get started with Dianaat least for a few, for a
few for a minute here, SoDiana, what is this issue? Well,

(01:18:17):
first of all, thank you somuch for taking my phone call.
Unemployment is coming after me over wagesthat I did not claim for. Uh.
Oh are they saying that you gotunemployment and you didn't exactly? Yes?
Oh, okay, well, wehave some contacts there. Hold on,

(01:18:40):
we'll come back to you on thisand it'll be a warning to others.
Plus, we have some people thatcan help with this. We do
have some good contacts. I'm TomMartino three oh three seven one three eight
two five five go with a surething Denvers Rufer Excel Roofing dot com.

(01:19:01):
You don't pay a cent until you'recontent. Time for an insurance checkup free
no obligation comparison call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out Now three o threeseven to seven to one help. You'll
think you're his only customer when youchoose Frank durand the real estate man dot

(01:19:21):
com to list your home with RemaxAlliance three oh three nine to zero sixteen
twenty two. So Diana says she'sbeing pursued by the Division of Unemployment,

(01:19:42):
saying she received benefits she should nothave gotten. Diana explain, how did
they con how did they contact you? Well, it's kind of the long
story, but away I first thoughtthe notion that something was wrong. I've
been working at the same company forover two years, and my HR approach

(01:20:04):
man said Diana, why is thatunemployment telling us that your file is a
benefits like I'm not, and Ihaven't been for quite anyway. Moving on,
well, hold on, hold on, hold on, hold on.
Did you ever get unemployment? Yes, but I haven't been unemployment forever?
For how long? Oh gosh?Maybe four years? Okay? All right,

(01:20:28):
fine, So maybe during COVID Ohgosh, I don't know how long
ago was that, like for let'ssay in twenty twenty, right, twenty
twenty, yeah, twenty twenty.Anyway. One of the crazy things about
the whole situation, I went onmy account to unemployment. Yeah. The

(01:20:55):
dates that they're claiming that I calledin tom is the dates that I've been
working at the company I've been workingout and they even took me to court.
I did file. Wait wait wait, how long how long were you
on benefits when you were on them? Oh gosh, I don't know,

(01:21:17):
maybe six months or so if that. I've never been an unployment much longer
than maybe five or six months.Okay, now hold on, So then,
y you say they took you tocourse, So when did they make
this claim? When did this claimfirst come in you that you owe them
money it's been about two maybe twoand a half years ago. And like

(01:21:41):
I said, I've been working atthe same company, Diana that long,
Diana. Hold on, you're callingnow about a collection effort that happened two
and a half years ago. No, when did they start? When did
they start pursuing you for collection?What was the first time you heard from

(01:22:03):
them for collection on? Just afew months ago? Okay? Got it?
So a few months ago they cameafter you for benefits you supposedly got
a years ago. Okay? Exactlyand why and how much did they say
they wanted? Well, this isgoing to get kind of goofy. As

(01:22:25):
birthday, were telling me seventeen hundredokay, and we went to court?
And why did you go to court? That's the part. Why did they
sue you on? Because they wantedtheir money and I kept telling them I
don't owe you guys' money. Okay? Are they talking about Are they talking

(01:22:49):
about the unemployment you got during COVIDor are they talking about something that supposedly
happened after that when you started workingright right after that, when I started
working as the dates that they're claimingthat I are they saying that you were
working plus getting benefits exactly, that'sexactly what they're saying. That's yes,

(01:23:12):
Well, did your benefits stop whenyou when you started working at this place?
No, I don't know, becauseagain I did not get any money
from this. Okay, I don'tknow where that money went to, but
I didn't get When did you startat this new job? It would have
been okay, what was this twentyfour? Then there for two years?

(01:23:34):
Okay, it would have been inyeah, January of twenty two. Okay.
And so in court, what didthey prove? They didn't. They
didn't really prove anything. They hada they had a witness. So you
won? Did you win? Not? Because the judge told me, he

(01:23:58):
goes, Diana, do you haveproof that you filed identity theft and sacked?
I put a claim in the onthe website. You don't know that.
I just need to know this.What did you win or did you
lose? Obviously lost because they havea collection agency that is taking money out
of So you got a judgment againstyou for how much? Well, to

(01:24:24):
begin with, it was seventeen hundredwhat is it right now it's almost three
thousand. I'm very confused about that. Oh my god. And because it's
a default and not a default becauseit's a judgment from the courts for fraud.
You're not going to get out ofit. You you missed your chance.

(01:24:46):
You missed your chance to defend yourselfon this. Apparently the judge didn't
believe you. Did you claim thatthere was identity theft involved? I tried.
I did call the police department outhere where I live. I finally
found the opposite that took my complaint. No, that's not what I'm asking

(01:25:09):
I'm asking about in court. Didyou claim that, yes, it wasn't
you who applied for benefits? Yes, yes, And the judge didn't believe
you. The judge says, youhave no proof exactly, and I've never
heard that you have to prove yourinnocent. So you said that you did

(01:25:33):
not collect these benefits. Do theyhave a record of where the benefits went?
Well, every time I called himunemployment and asked him that I got
up. You never get a holdof the same person twicea Collins unemployment.
One guy looked at one guy lookedon my record, and he goes,

(01:25:53):
I can tell it was you.I said, well, how can you
tell that? He goes, what'syour phone number. It's like, that
doesn't make in sense. You guyshave not researched any of this, and
the more lust told me that itwas my problem and it couldn't help me.
Well, especially especially because you wentto court and lost. Yeah,

(01:26:14):
I mean yeah, so they hadan attorney. You didn't have an attorney
though, did you You know Icouldn't afford one, so you went and
defended yourself exactly, Yes, sir, What did you say? I mean,
what did they ask you on thestand? Well, they didn't ask
me anything. The judge was aboutready to make a decision without me and

(01:26:35):
say, I mean say anything.It's like, wait a minute, I
want to quest and fly on myown behafist because I don't have him turney.
He's like, okay, what doyou want to say? And I
said, I did not receive thesebenefits. I filed for identity theft on
the website and I also called thepolice department. And he goes, well,
well, hold on, when didyou do that? When did you

(01:26:57):
call the police? Yeah? Ifirst actually reached out to them this January.
Okay, but the fraudulent payments weremade a few years ago, so
what would make you reach out inJanuary on. Well that was right before
I had to go to court.That's what so you you did not You

(01:27:18):
did not file a fraud report untilunemployment contacted you and said somebody got applied
for benefits in your name. Yes, okay, Well then I know what
the judge means. The judge issaying the only reason you filed for identity
theft was because you heard about thiscollection. I get that, and there's

(01:27:42):
nothing wrong with that. You didn'tknow somebody was getting benefits in your name,
but they claim people got benefits inyour name exactly using your social Yes,
and don't. I don't know,I just do I just let it
go. Well, I don't think. I don't think you have a choice.
I mean you said, when wereyou found guilty? When was that

(01:28:06):
judgment rendered? We didn't have tosay I was guilty, But like I
said, he just told me.It was like Diana, I don't you
know, you're not giving me anyproof. He didn't. When were you
found fraudulent? When did the judgerule that a judgment against you? I
don't care what you call it,guilty, innocent, purple white eye?

(01:28:28):
What just tell me what was thedate of that judgment a couple of months
ago. Now you might still beable to appeal it. Did he tell
you that? Well, when everythingwas said and done, I was on
hold theess like, so what doI do now? And he's like,
if I were you, I wouldstart with unemployment and then work your way

(01:28:49):
back. I did call an employmentWait who told you that? Who told
you that? The judge did?So? Was this was this a regular
court where you went downtown to acourtroom or was this a hearing with the
unemployment division? It was hearing andit was over the stone, so it

(01:29:10):
wasn't a real trial. Yeah,okay, then then they're an actual judgment
against you. I don't know,because, like I said, I didn't
get any paperwork and that all Iknow is we're taking money out of my
thing. Wait, so ho hoho ho. So they are garnishing your

(01:29:30):
wages? Yes, okay, God, this is terrible. They must have
they must have gotten a judgment.Well, when I called into the collection
agency, she gave me a choice. She goes, you can need to
do this on your own, rivergarnish your paycheck. So I did it

(01:29:54):
on my own. And then whenI found out that the amount had doubled.
It's like, how well the worlddid that happen? Nobody has reached
out or said anything. And thenshe's like, Diana, let me call
them and see what they say.She never reached back out to me anyway.
I know that doesn't really matter.But no, this is I don't

(01:30:15):
know. I don't know if youcan appeal it or not. I don't
know what kind of judgment there isagainst you. Can you ask the court
or where you work for it?Well, no, they only have a
rid of garnish. Man, doyou have a case number? No?
I do not, well not unlessyou count the paperwork that they sent me.

(01:30:35):
Yeah, there's a case number onthere. Okay, give me one
second, serve. I'm going toput you on hold. Three oh three
seven to one three talks seven onethree eight two five five. This is
a sad situation, folks. Thissounds like she's gotten man, I don't
know. It sounds like she gotscrewed on this one. We have more

(01:30:57):
coming up. Three oh three,seven to one, three eight two five
five. Go with a sure thingDenver's best roofer excel roofing dot com.
You don't pay a cent until you'recontent. Wait time for an insurance check
up free, no obligation comparison callCompass Insurance paying too much your coverage at

(01:31:23):
dozens of insurance companies find out nowthree oh three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
man dot com to list your homewith Remax Alliance three oh three nine two
zero sixteen twenty two. Hi TomMartino here at three oh three seven one

(01:31:45):
three talk three oh three seven onethree eight two five five deb what's going
on with Liberty Mutual? Oh?Hi? I have been insured homeworkers anato
with Liberty Mutual as and on,and I had a big claim on my
house. This is both home andauto. Yeah, but it refers only

(01:32:10):
to my home right now, Ihave a big claim in twenty and twelve
get hail on my roof or whatever? And they now, wait a minute,
do you mean twenty twenty two ortwenty twelve? Okay, So twenty
and twelve, that's that's where theproblem was. I didn't even know.
Okay, hold on, We're goingback to twenty twelve. Okay, So

(01:32:31):
you had a claim a storm claimwith them in twenty twelve. Okay,
then why yes, and they paidI thought they paid everything new, whatever
car was inside and whatever. Andthen tell me what the claim was for.

(01:32:54):
Oh, it was a big hailstormin June of twenty and twelve it
was, And what was the andwhat was the claim? Four for a
new roof, new siding, newwhat new roof, powerwashing residing and I
live in I live in Parker,so gotcha? Okay, So what's going
on now? So I left LibertyMitchell that that claim was to South n'chok.

(01:33:18):
Then I left Liberty Mitchell. WhenI came back to Liberty Mitchell,
I found a claim in twenty twentythree for the hailstorms that we've had in
twenty twenty three. The point thatwas with Liberty. Then went back to
Liberty. You claimed you had asecond claim. Yes, yes, okay,

(01:33:39):
I was talking to I was talkingto the adjuster on the phone about
I had a classical roofs then andI didn't know it, and I was
trying to prove it anyway. Iwas trying to get the name of my
roofer. Then. Anyway, hesaid, hey, he said, do
you know you have an outstanding checkfrom us for seventy nine hundred dollars that

(01:34:03):
didn't cast made to you and ChaseMortgage. I said, no, that
stops sighting. And he said,I'll just stop payment on This is twenty
twelve, and this happened in twentytwenty three, this conversation. So he
said, I'll just stop payment onit and issue you a new one.

(01:34:26):
I said, okay, I said, but I have paid off my house
since then. He said, youhave to prove it. I said,
okay, I proved it. ThenI get a communication from them saying,
our records only go back seven yearsand we don't owe you that money because
we can't prove it. That's right. So I tried to prove it,

(01:34:49):
and I went to that and so, how did you try hold on if
you didn't even know it existed?How did you try to prove they owed
you seventy nine hundred So they sentme the line item documentation of my claim
in twenty and twelve. Okay,two other checks cleared, and this check

(01:35:14):
was right in the middle of thosechecks. And this said outstanding. Now,
why didn't you notice it back then? Were you that rich that you
didn't notice seventy nine hundred bucks?No, I didn't have a line item
of But that's not an asking,Dab. That's not what I'm asking.
Here's what I'm asking. If Ihad to pay for roof damage and storm
damage and I put out seventy ninehundred bucks that I did not get reimbursed

(01:35:39):
for, I would have noticed it. Well, I guess I'm ignorant or
something, because Deb, here's whatI think happened. You never paid the
seventy nine hundred Did you pay outof your pocket and then get reimbursed No?
Nothing out of my pocket. Nothing. Okay, if you never paid
out of your pocket, you didn'tlose a dime. Someone did not get

(01:36:00):
paid for storm damage. It wasn'tyou. Here's how it works, Deb.
Listen, when you have storm damage, the insurance company either does it
two ways. They either pay thecontractor directly, or they pay you and
you pay the contractor. That's theonly way they do it. So if

(01:36:27):
they did not pay you and youdid not pay anyone, you didn't lose
a dime. The contractor did.Somebody lost money, but you didn't.
Otherwise you would have noticed had youpaid seventy nine hundred bucks up front or
or in addition to and you wouldyou would have been waiting for a reimbursement
check the check was made. Tableto me, Deb, tell me something,

(01:36:57):
Okay, I don't know why youdon't understand that. If if the
check was made and I don't meandisrespect, but listen back, let's go
back. Then Let's say the checkwas sent to you, what would you
have done with that check? Back? Then? What would you have done
with it? I would have takenit to Chase Mortgage, which I did,
and then what and then okay,and then what? And then what?

(01:37:18):
Keep going? And then they endorsedit. I have copies of it,
and then what keep going? Theywould have endorsed it. Then what
would have happened with the money theseventy nine hundred? It would have gone
to the contractor or that's right,But it didn't go to the tractor,
did it. No, it wentnowhere. It went nowhere, and you

(01:37:41):
didn't lose it. You didn't losea dime. So in other words,
I'm looking at this inorrectly. Well, Deb, what I'm saying is you're
not looking at it incorrectly. Ina perfect world, they should correct it
and give you the money, andyou should track down the contractor who didn't

(01:38:04):
get paid and give him the money. So why are you going through all
this trouble. You didn't lose adime. Why do you care if they
ever give it to you or not. The contractor apparently doesn't care either.
No one came after you for themoney. That's true. That's true.
Wow, that's interesting. I mean, somebody got screwed out of seventy nine

(01:38:28):
dollars. And here's what I suspect. So you don't feel bad. I
suspect the contractor so overcharged the insurancecompany and you that they are fat and
happy and did not even notice themoney missing. So leave it alone.
What do you care? I mean, I don't even understand why you want

(01:38:49):
to collect this money. It's notyour money. So I said it was
my money, but why Okay,it would have been your money had you
paid that money out. If youcan show where you paid seventy nine hundred
and did not get reimbursed, itwould be your money. Okay, okay,
I mean deb deb it would benot Now listen, I know where

(01:39:12):
you're going with this. It wouldbe nice to get that check because no
one's keeping track. There's no contractorcoming after you. For it. It
would be found money if you couldget it, but you're not going to
get it, so it's not lostmoney either. I'm Tom Martine Moore coming
up. Go with a sure thingDenver's Best roofer Excel Roofing dot com.

(01:39:40):
You don't pay a cent until you'recontent. Time for an insurance checkup free,
no obligation. In comparison, callCompass Insurance paying too much your coverage
at dozens of insurance companies find outnow three oh three seven to seven to
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three all three

(01:40:03):
nine two zero sixteen twenty two.Hi Tom Martino here, what's going on
in your life? Jordan Kanno's withus My Money, Myway dot com.
Jordan, we talked about bonuses.What are the current bonuses being offered by

(01:40:28):
the annuity companies for those who wantto pop a lumpsum in there from their
retirement account or from their for youknow, their four and one case or
their pensions or something. What kindof bonus do they get? Yeah,
they're still so the companies we backedstep to fifty companies. Uh. The
thing is the fifteen percent is stillbeing held right now on the products,

(01:40:49):
and it is strong because this isa great way to help make up any
losses or you know, just likethe caller we had earlier our clients,
do you you know, for anymoney that people have lost already from other
products or the market, this isthe way to get it back. But
how how does it really work?Now you put one hundred grand in and
let's say you put one hundred I'mjust using these numbers to make the percentages

(01:41:12):
easy, and your account value immediatelyis at one point fifteen, that is
correct, and that's growing at onefifteen as well. So truly your return,
your return is figured on that bonusyou got it boom, and that's
a very big difference. There areproducts out there that don't have that similar
effect for our zone. And soif you ever had to get out of

(01:41:38):
that, though, when does thatmoney come truly yours? Yeah? So
every year ten percent of it becomesfutal of yours, So after ten years
the whole amount is actually your account. But that doesn't mean you could turn
the money on before then. Youknow, if you in turn money on
if you had long term care needor passed away that you can do it
more coming up. I'm Tom Martinez. Get your calls in three Martino.

(01:42:00):
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance check up free,
no obligation comparison call Compass Insurance.Pay too much your coverage at dozens of
insurance companies find out now three ohthree seven seven to one help. You'll

(01:42:20):
think you're his only customer when youchoose Frank durand the real estate Man dot
com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two. Ris needed that soyou don't have come running sious as fast

(01:42:45):
as you can. Shooter's gonna helpcome Man six is the Troubleshooter Show.
No Tom Martino. Hey, I'mTom Martino. Welcome to the show.
You know three three seven We talkthree O three seven one three eight two
five five here to help you solveproblems, answer questions, make complaints,

(01:43:11):
and make your life just a littleeasier. That's what we do each and
every day, and basically what I'dlike to know from you is what is
chafing your rear? Is there anythingthat just bothers you that can't be solved?
Let's try to solve it anyway.I know that right now what chafes
me is that Colorado and many statesbelieve that passing laws can change behavior.

(01:43:40):
Did you know? And I swearto you this is not I'm not This
is not made up? Did youknow? Dragon? I want to ask
you this. Did Mike Brown evertalk about this? Because you guys are
hip to these things. Did MichaelBrown ever talk about the program in San
Francisco that tries to cure alcoholism andstreet homeless alcoholics by giving them alcohol?

(01:44:09):
Do you think I'm kidding? Iswear to you I'm not. By the
way, if you have a problemquestion playing, give us a call at
three zero three seven to one threetalks seven one three A two five five.
It's a program that offers free boozeto homeless alcoholics so they won't cold
turkey, they won't steal, andthey won't drink dangerous forms of alcohol in

(01:44:33):
aftershave and stuff like that. It'sthe God's honest truth. Now this happened,
and it's called the Now. Ofcourse it's not called free free booze
for alcoholics. That that wouldn't goover very well FBA free booze for alcoholics.
This is called the Managed Alcohol Program, a map to recovery manage alcohol

(01:45:02):
program. It provides alcohol to strugglingalcohol to people struggling with chronic alcoholism who
are homeless, and what they hopeto do is get people to then somehow
manage their alcohol consumption and not bedrunk all the time and not have to

(01:45:23):
take to the streets for begging andall of that or stealing. Now,
right now they have a lot ofclients housed that give free alcohol every day.
They have not made any progress whatsoever. What do you guys think,

(01:45:45):
I mean, sounds good to me. If you're a drug ee, give
them drugs. If you're an alcoholic, give them alcohol. The city's helped
officials say there's a lot of misinformationabout this, and it really is a
pretty good programs. But others sayone said, even as a Democrat,

(01:46:10):
I think that directing funds to programslike this are foolish and we should direct
it to other objectives for public benefit. Anyway, I just thought you'd like
to know that, yes, thereis a program that offers alcohol to alcoholics,

(01:46:30):
and as we talked about earlier,in the kind of alcohol, Tom,
I don't know, actually I don'tknow about it. That's a deputy
bowl over here, like so vodkaand I like whiskey, and you like
jin Do we get to pick whatkind of a you know what? That's
a good point. Look it upnow, Colorado. You know, I
felt bad about this until I foundout that New Mexico was the most dangerous

(01:46:58):
state. I don't know if Ieven believe Leave this WES News and World
Reports survey. I don't know ifI even believe it. The ten most
dangerous states in America. I don'tget it. How do they figure that
New Mexico is the most dangerous,followed by Louisiana and then Colorado number three.

(01:47:24):
Now they have a matrix they gothrough and they judge them. So
this is US News and World Reports. If you want to look it up.
We are the third most dangerous.But we are decriminalizing things. So
we're trying. Here's the thing.If we make something not a crime,

(01:47:44):
then we don't have crime. Right. If felony car theft takes more than
one car. Then we don't getmany felonies, or maybe we do.
So what would you do, Tomas? Give people that don't have cars,
give them a car so they don'tgo steal one, just like the alcoholics.
Oh that would be something. Nowlisten, here's another thing, the

(01:48:09):
total debt of people. By theway, this is what I found shocking.
What I find shocking are trends morethan I do actual names of cities
and counties and all that. Butif you counted in the top twenty five

(01:48:29):
counties with the highest debt the highestdebt, think about this, where do
you think most of those counties are. I'm going to count how many in
the top twenty five are from thisstate? One, two, three,
four, five, six, seven, eight, Oh, listen, nine,

(01:48:53):
ten, eleven, twelve, thirteen, fourteen, fifteen, sixteen,
Sixteen of the top twenty five arefrom California, sixteen of the biggest household
debt. Sixteen counties out of thetop twenty five are in California. And

(01:49:18):
that place is living on smoke andmirrors. I swear to God, I
don't even know how Newsome gets upin the morning and looks in the mirror.
I have no idea I mean,has anyone ever heard of a more
hellhole than that place? Heo?San Francisco used to be a beautiful place.
You can't even go out to eatdown there anymore. And in La

(01:49:39):
it's amazing. Yes, And ofcourse the police has his way, we're
going to be just like it.And again, I don't mean to be
a bearer of bad news, butlook around, folks, Just look around.
God Almighty life is its own teacher. So when policies failed, what
does it tell you that policy makersare failing you? Wa? Wait?
Wait, wait? Did I justsay that I'm not on a coin.

(01:50:00):
When policies fail, policy makers arefailing you. But we have this phenomenon
here where policies fail and we rewardthe policy makers. Bye bye, just
Ron, what's happening, sir,what's going on? Let's change the subject.
Let's let's help people. I don'twant to just bitch and moan.

(01:50:23):
My wife sometimes calls me a curmudgeon. I don't like that. Okay,
I'm not calling for myself. I'mcalling for another person. I'm very kind
to call for someone else. Whatcan we do for you? I am
a va appraiser and I got anorder from for an appraisal for a property.

(01:50:45):
To do an appraisal, longing tosee the property and the property is
basically easy. And they CE fivefor very bad shape. And what did
you code that? You said Cfive the C five that is appraise,
So I don't know the appraiser talk. Is that a code for bad?
Well that's bad, Yes, it'sbeyond Tell me how the coding works.

(01:51:09):
I'm just I'll let you tell yourstory, Ron, But how what is
an excellent pristine property? How wouldthat be? Coding? Like C one
is a new construction, nobody hasever lived in it. C two be
a property that is one or twoyears old. It really does not have
any kind of deferred maintenance. Andthen C three and C four is average,

(01:51:30):
and then C five is low average, and then six is one that
the condemned and kind of now whatdoes C stand for? Condition? Okay?
Gotcha? So condition one, two, three, four five? So
what's going on now? So youwon here you found a really like decrepit
home and or dilapidated. And what'sgoing on? So this is a veteran

(01:51:56):
who is disabled. He's had someother medical issues currently right now he's in
a wheelchair. Is only one lake, and he's taken care of another adult,
disabled non verbal child. Now whywere you appraising this house? He
was trying to refinance. Oh,get some of these get some of these

(01:52:17):
projects done. But he's just overwhelmedand I don't think he is capable of
handling that. Do you think heshould be living in assisted living or something?
Well that's now I don't think.So he's taken care of his son
as best as he could. Problemwhat's wrong with his son? He is

(01:52:41):
disabled non verbal adults also in awheelchair. So they're both in wheelchairs,
correct, So you can just imaginehow that works. So the other thing
is they used to have a drivein shower in the basement that they could
take the wheelchair. And how didthey get to the basement. Well,

(01:53:03):
they had one of those share liststhat goes downstairs, but that was not
working anymore, so they took itout. So right now they can't even
get to the basement into the shower. So he's trying to help his son.
How old is his son and Iwould imagine in his thirties, maybe

(01:53:29):
a late twenties. Idol, Okay, God, this sounds like a sad
situation. Is he a veteran ofwhat would it be a veteran of what
war? Again, I don't knowthose particulars. All I up from him
is he served four tours of duty, but I think two tours were in
Germany and I think two tours inHow old is this veteran, would you

(01:53:55):
say? I would again I'm nota good but probably in his late forties,
maybe shifties. Okay, so inthe bathroom, and you know he's
got a lot of projects going onwhich he can't really do. I mean
he took the doors off, thebaseboard, tear off the kitchen is a

(01:54:16):
mess. They've got to exposure.And now let me ask you a few
questions. Because there are places,there are services that will help remodel or
help fix up a house for people. Well that is what I'm trying to
get through. And Okay, wellwe're gonna we're gonna look into it.
But I also I would like toknow ron. I want to know more.

(01:54:39):
I want to know a little bitbehind the scenes. Is he a
hoarder? No? No? Notokay, Well, I mean the condition
around the houses, no, Iget it, No, I get it,
but it's not where you have tomake a path through the house.
No, no, no, no, okay, next question, Ron,

(01:54:59):
next question. Is he mentally competent? Yes, yes, he's very competent
and good. Like I said whenI was there, he broke down because
of us, too much stress,too much to handle. But now then
he composed himself and he didn't wanthis disabled son to see him crying.
So now his son what what?What? How would you describe his son?

(01:55:23):
Is it? Is it cerebral palsyor multiple sclerosis? What's wrong with
his son? Do we know?No, it's just non verbal, but
he's in that shape, I mean, just grunting and sitting in a wheelchair.
Oh my god. We got toget some people. No, we

(01:55:45):
got to get some people to help. Now, That's what I'm trying to
do, and I've been kind ofrunning into roadblocks. Nobody's been able to
help. They always point somewhere else, or they say, well this year,
they're all full way to old twentyfive. Well by twenty okay,
hold on, Deputy Bow, whydon't we just start investigating. Do you

(01:56:08):
know that sus has a VA Idon't know if they're with the administration,
but a veteran angel, someone whohas a heart for vets and knows about
programs. Let's just start gathering informationon programs available. Specifically, what we
need is maybe some home healthcare,and then what we need is some fixing

(01:56:32):
up the house. Fixing it up. I mean, you're an appraiser.
You hold on, hold on,I need to ask you some more questions,
okay, and I want to askabout it. Since you're an appraiser,
you might know a little more thanthe average bear. I'm Tom Martinez
three oh three seven one three talkseven one three eight two five five Frank
around the real estate Man dot comwill do a free market analysis of your

(01:56:55):
home. Whether you're looking to buyor sell, or or nothing. You
just want to know and he'll doit complimentary with no pressure. Of course,
if you ever list, maybe you'lluse him. But he doesn't do
it for that. He does itbecause he wants to get to know the
market and help people out. Hecan tell you what that you'll sell that
house for, and it's almost assuredwhat you'll get because of his vast experience.

(01:57:16):
Frank durand the real Estate Man dotcom three oh three nine two zero
sixteen twenty two go with a surething. Denver's best roofer Excel roofing dot
com. You don't pay a centuntil you're content than time for an insurance

(01:57:39):
checkup free no obligation. In comparison, call Compass Insurance paying too much your
coverage at dozens of insurance companies findout now three oh three seven to seven
to one help. You'll think you'rehis only customer when you choose Frank durand
the real estate Man dot com tolist your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hey, pass the word. Pass

(01:58:01):
the word. If you have aproblem, question or complaint, I want
you to put this out even onsocial media. If you want, you
can call three oh three Martino.We have deputies, we have attorneys,
we have accountants, we have ohman, we have so many professionals,
all helping in the troubleshooter effort tosolve your problems. We try right so

(01:58:26):
call three oh three Martino at anytime, anytime when we're on the air.
It'll come through here. When we'renot here, it'll come through the
office. And then when we're notat the office, you'll believe voicemail and
we will get back to you.That's our pledge to you three oh three
Martino three oh three, six twoseven eight four sixty six. So Ron's

(01:58:48):
back with us, and Ron's akind man, a via appraiser. He
ran into this guy trying to refyhis house and he says it's in very
bad shape and that the guys disabledin a wheelchair caring for his son in
a wheelchair. And Ron, Iwant to ask a few questions. What

(01:59:13):
would it take to bring this houseup to a normal refine condition? I
mean, first of all, howis he paying for his mortgage? Do
you know? I mean, wedon't know his name, so you're not
giving away anything that to the publicthat not be No, I don't know.
I don't know what kind of theassistance he gets or resently they get

(01:59:35):
put in a ramp in the frontyard, which is to me really atrocious
a days of the whole front yard. But so he does get some assistance
or VA is aware of it.Tell me what is the what is the
nature of the house that like,how bad is it? Like? What

(01:59:55):
would it take to bring this houseup to normal standards? Do you think
this would be just an estimate,probably twenty thousand dollars, you know,
it's like in you know, thewhole bathroom probably needs to be redone so
it's wheelchair accessible, and he hasremoved the interior doors. He's kind of

(02:00:20):
redoing the kitchen. The bathroom isin bat shape, and the electrical problems
the outside. The electrical box isopen, and I'm surprised that it's even
still functioning because rain gets in andsome of the breakers have been removed.
He's working to try to get afence put in. How long has he

(02:00:45):
been there? God, I don'tknow either. I will have to look
at public records. I really haven'tcompleted. Hey, Ron, how about
a GoFundMe page. He's got agreat story, you know, to disabled
vets one disabled the sun the sunis not right paid? Would be?
I think a great idea. Right. Yeah. They don't know all the

(02:01:09):
intricacies of house. No, Ron, I understand you called us for help.
Doc. He called us to tryto get something going. I I
really want to start. Here's whatI want to do. I want to
start one step. The other things. It is not a matter of the
money, because if he gets themoney, I don't know if he can
hire the contractor. No. Iunderstand that we I'm trying to find a

(02:01:30):
service that will come in and doand help do it, not just throw
money at it, because that's notgoing to work. And you don't want
people cheating him or anything like that. So he just needs a bunch of
help. Now, the house itself, if it was fixed, is it
is it a nice location, anice house, or as they say,
does it have good bones? Ohyeah, no, it's a good housing

(02:01:55):
in a nice neighborhood. Good it'syou know, I can tell it's Jared
and and it is in an couldde sac, so uh, you know,
if it is fixed up, youknow to be a nice house.
Okay, what about Habitat for Humanitycom or they go in there and do

(02:02:15):
a repair. Maybe, Yeah,that's what I want to start looking into.
Bo if you could make some calls. And there's also some other programs
like Brothers Redevelopment, and then there'sContact that contacted Habitat for Humanity, but
they only do stuff in Dinver Countyand he did houses in a Rapo County,

(02:02:38):
so they they were unable to giveany kind of assistance. Habitat for
Humanity is tied down to account.That's what this particular person when I emailed
him. That's how they respond.Well, maybe that particular office, maybe

(02:02:59):
they have like territories or something.Bo let's start looking into that. And
Cabitet Freemanity, the VA has abig office. They're off of Colfax and
two twenty five could go there andget some assistance. And there's a program
called LEAP. They might be ableto provide some repairs on the house.
It's Government Assistant assistant Housing repairs.Yeah, any kind of repairs or any

(02:03:26):
kind of help we can get them, maybe even home assistance home care.
I mean, there's got to besomething available for veterans. I know of
another veteran in another state who gothome health care and he didn't have to
pay for it, and they alsodid some other assistance programs. Now he
didn't own the place, so theydidn't do any fixing up. But I'm

(02:03:48):
wondering if the house is paid for, or if the house how much he
owes on it. But again,these are things we can find out,
right, Okay, I'll get thework. Get Ron's information though, so
we can stay in touch with him, since he he has a heart for
these guys. Ron, We're notexpecting you to do anything, but we'd

(02:04:09):
like to be in touch with younow. Chris, you have a question.
I got to take a break soon, but I want to get started
on it on home repairs. ThenI have Jordan my Money myway dot com.
I have a few texted questions forhim. What's going on, Chris?
What's your question? Yeah? Realquick, I had about a fifteen
thousand dollars sewer job done from Plumbline, and they offered me a way to

(02:04:30):
pay for it over twelve months withzero interest. I'm looking to do the
same thing with foundation repairs in thebasement. That company doesn't offer it.
What are some good options to dothat? Well? How much will your
foundation repairs cost? About twelve okay? How old is your home? I'm

(02:04:51):
just curious that you needed all thiswork done? Oh, mid fifties okay.
How much do you owe on thehouse? Oh? About eighty thousand
dollars. Now, when you saywhen you say foundation repairs, excuse me

(02:05:12):
a basement? Do you mean foundationor do you mean basement? I mean
cracks in the walls in the basement. Okay, you're talking about possible.
Okay, so you need some structuralrepairs? Yeah, yeah, that's winning.
Okay, Hold on a second,I'll come right back to you.
I'm Tom Martine. Go with asure thing Denver's best roofer Excel Roofing dot

(02:05:35):
com. You don't pay a centuntil you're content. Time for an insurance
checkup free, no obligation. Incomparison, call Compass Insurance paying too much
your coverage at dozens of insurance companiesfind out now three O three seven to
seven to one. Help. You'llthink you're his only customer when you choose
Frank durand the real estate Man dotcom to list your home with Remax Alliance

(02:06:00):
three nine two zero sixteen twenty two. Hello Tom Martino here. Okay,
So Chris wants to get some basementrepairs done structural repairs, and he wants
to know any creative way to payfor that. Are there any places that
do same as cash with payments.There are financing places that do that.

(02:06:21):
They may not work directly with Theymay not work directly with a contractor specifically,
but they do it for sure.You say you owe eighty grand how
much equity in that house? Uh? Jeez, I don't even I don't
even know anymore a lot? Welltell me what it's worth roughly worst case

(02:06:45):
scenario. What is it worth?Probably about two hundred And I mean what
can I get for if I soldit? Yeah? Well yeah, yeah?
What are the name? Yeah?What's the house worth? Approximately?
Yeah about about two seventy five?Yeah? And what is the okay hold
on? And what is your rateyou have on the mortgage? You have

(02:07:08):
now three point six? I think, oh, yeah, that's a good
rate. Okay, yeah it is. Yeah, I know. But sometimes
you know, doing that REFI cancan help. I mean you can get
you can get every the twelve grand. You know, you can get an

(02:07:29):
equity line for that. Okay,Now it's not interest free, but you
can get an equity line. Youcould easily. I wouldn't REFI for allows
e twelve grand, but if youneeded a lot more money for other things
and you had high interest debt,that might be an idea to do the
other thing. How old are youfifty five? Okay, now a little

(02:07:55):
young for reverse loan product, althoughthere are some that go down to fifty
five. But if you're not goingto stay there, it's not your forever
home, and it may not bea good idea because you know, I
don't know what are your plans forthis to flip it or what. No,
No, I don't want to goanywhere. But you know, I
mean I spent thousands of dollars withplumb Line and they're great. They're on

(02:08:15):
your referral list, right, Yeah, they're wonderful people. Yeah, and
they were able to offer me,I don't know how twelve months no interest.
I took care of it on myend at it interest for you.
That's because they have good relationships withthese people. They're really good at that,
and they have because they're a solidcompany. And what I'm thinking is
there are places I'm trying to thinkof the name of it right now.

(02:08:41):
There are Pep, there are uhgod, I got to think of the
name. There's one company that's verygood at this with no interest and they
do it. You know what,here's the deal. If you want,
you know, if you ask Plumbline, by the way, who there is

(02:09:01):
you know you can go. Manyof these lenders will go direct or work
with a contractor if you've you don'tIn other words, they don't work with
just Plumbline. Do you understand thatthey work with a lot of people.
So these people who are these peoplethat I'm trying to track down. They
are finance companies. Okay, that'swhat they are. They're finance companies and

(02:09:24):
they work in two ways. First, if you don't pay twelve months same
as cash, then you're popped withinterest. So they work on that principle.
The other one is whatever plumb Linecharged you, they pay Plumbline a
discount. But there are plenty ofcontractors willing to do that. In other

(02:09:48):
words, they're willing to do thework. By the way, there is
no free lunch. So no matterwhat if somebody says twelve months same as
cash, and you have cash,it's not the same cash, you know,
I mean, it just isn't toyou. It is to you,
it is, but the contractor's takingless money. So whether they take less

(02:10:09):
money from the finance company or lessmoney from you. That's another option is
to is to if you could comeup with the cash, you get disc
cash discounts or a credit card.See when you if you're looking for no
interest, you may not find it, but you may find a credit card
or you may find something like that. And before you start thinking, well

(02:10:31):
that's going to be too much interest, but you're going to pay it anyway.
Either in the price of the productbecause they have to discount it or
you're going to pay it someway oranother. So it's an allusion to you
this no no interest. I'm notsaying it's a bad deal. It's a
wonderful deal, but it's an illusiona little because it's not free. Scott,

(02:10:52):
you have a comment on this?What is your comment? Tom?
Hey, Chris, we offer thesame programs as where you have to say
what your zero interests. And we'realso a company that does spasement, repair
of the crack repairs, things likethat that you talking about. What's the
name of your company, Ramjack ofColorado Business. Ramjack used to be on

(02:11:16):
my referral list. Yeah, itmight've been before my time. I've been
with a company for about seven years. Ramjack was absolutely on my referral list
and they were, in fact,I had the guy in back in the
day on my show. They're agreat company, Chris, and you guys

(02:11:39):
do foundation repair and you offer financingright everything that he was asking for a
week? All right, Katschina,make that connection, will you, and
then try to get Ramjack on thereferral list. I'm just kidding, Scott.
I'm not going to pressure you,but get that information from Scott so
he can give it to Chris.Thank you very much much man for calling

(02:12:01):
in. I appreciate it. Wegot more right after this. I want
to just tell you that that's whatthe show's about, making connections. Like
if you want window washing, youcan go to Premiere. They do window
cleaning and pressure washing and commercial.By the way, they do commercial window
tinting seven to zero nine five threezero zero seven eight seven two zero nine

(02:12:22):
five three zero zero seven eight.Here's an easy uh website to remember for
windows, residential, commercial and tinting. We Clean Windows dot co. Go
with a sure thing Denvers Best Roofer, Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance checkup, free,

(02:12:45):
no obligation comparison call Compass Insurance.Pay too much your coverage at dozens of
insurance companies find out now three ohthree seven seven to one help. You'll
think you're his only customer when youchoose Frank durand the real estate Man dot
com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two. Come on, man, Jordaniano let's go back to him my

(02:13:07):
moneymway dot com. Jordan, Ihave a question. I got to get
to it right here here it isokay, okay, So they what are
the costs associated? This was thetext. What are the costs associated?
How do they figure their expenses forlike putting money in what works for him?
Blah blah blah. Yeah. Sothis is something that is a wonderful

(02:13:28):
question because most four to one kis most brokerage accounts. You're looking anywhere
from three percent, two percent onupwards of four percent sometimes and that's terrible
a year if you're not making thatin the market. Oh, by the
way, Jordan, that's a fivepercent is very common for normal retirement plans,
which is which is a lot.I mean, most people awesomes are
averaging maybe two to three if youlook over the lifetime of it. That

(02:13:50):
was our product. We're talking atenth of a percent. That one product
that has a fifteen percent bonus thatwe were talking about earlier. That is
not one percent fee, it's atenth of eight percent. That is a
year. So minute is that ayear? A ten to percent no fooling,
that is that's pretty damn cool.By the way. Uh. I
want you to call them for aprivate session or go to their website,

(02:14:11):
my Moneymway dot com. My moneymwaydot com. Three oh three seven seven
nine sixty six hundred. That's zerothree seven seven nine six six zero zero.
By the way, call three ohthree Martino. Believe me, you'll
get help. We'll call you backthree oh three six two seven eight four sixty six