The Troubleshooter 7-31-24

Episode Transcript

(00:00):
Yeah, ripped up news. Youneed that so you don't have come running.
Just as fast as we can.Shooter's gonna help come. Man,
This is the Troubleshooter Show. Now, Tom Martino, Hi, Tom Martino

(00:27):
here, Welcome to the show.Three oh three seven one three talk seven
one three eight two five five onmy wide shot here for my streaming morons
on YouTube, Facebook, flunkies andeveryone else tuning in on the video portion.
I have Michael O'Malley with me fromPETROLLI roofing out of Colorado Springs,
and uh, I'm gonna welcome him. And then we're talking about life,

(00:52):
liberty and the pursuit of happiness.We're talking about solving problems. I'm gonna
get right to the phones. Butone thing that I was going to talk
about today and then Mike and Iwere just discussing it off the air,
and I don't know what we're goingto do about it or where it's going.
And it's really a mixed bag.But the bottom line is, I

(01:14):
don't know how people are dealing withexpenses now. It affects everyone. I
don't care how much money you make, you still are affected because if you
make a lot of money. Youstill you want to keep a lot,
you want to you have needs,you want to retire, maybe travel,

(01:37):
And the bigger your nut is tocrack. That's the expression for what you
need just to get by. Theharder it is to do that. And
so many people that are in thehigher income brackets may not. They although
they feel the pain, they don'tfeel the pressure. They feel the pain,

(01:57):
not the pressure. And it isreally getting to be outrageous how things
are being priced, and there's noone fault. But I almost believe some
of it's exaggerated. I'm not talkingabout you know what you're going to hear
corporate greed, although some of thatdoes come into it. But I think

(02:22):
what happens is this, This ismy assessment what I believe. I don't
have hard, cold, hard facts, but with the tolerance level for pricing
in a home, for maintaining yourhome, the tolerance level for everything from
paving to painting, to roofing,to appliances to HVAC, plumbing, electrical

(02:52):
sewers, name anything on the home, anything, floor coverings, anything,
our tolerance in pricing is at acertain level until we're jolted. And I
believe COVID did a lot of jolting. COVID did a lot of jolting because

(03:12):
because it shut down supply lines,it reduced inventories around the world, and
it made us more tolerant for waitingand more tolerant for more expensive because again
the supply chain was cut short andwhen demand outweighs, supply prices go up.

(03:38):
And then add to that the governmentspending, which added to the supply
of money, which added to inflation, therefore more expenses. I believe that
our tolerance as people have been wehave been conditioned. So we used to

(03:59):
have a low tolerance. Now wehave a higher tolerance because we're saying,
oh, yeah, you know,supplies and this and that, and we've
come to accept some of it nowbecause we've come to accept some of it.
I believe, and look, Italk to more consumers than anyone.

(04:20):
There's not a person in the worldthat directly talks to more consumers. Oh,
we have departments and customer service andgovernment agencies that talk to consumers,
but individually, I talk to moreconsumers in a year than anyone. I
communicate with more consumers than anyone,emails, texts, voicemails on the show,

(04:42):
more than anyone. I don't care. There's no one that talks to
more or directly to more businesses directly. Now, you might have a roofing
supplier that talks to Michael Mallley here, and he talks to dozens of roofers,
but that's all he talks to.Right. Then you might have somebody
who talks to other people. Butas far as an array of businesses,
no one talks to more vary businessesthan I do in a year. So

(05:05):
I have the intel from discussing thingswith more consumers and more businesses than any
individual. Okay, my array ofpeople I talk to. I'm not saying
there's not people or agencies or companiesthat do it. But as an individual,

(05:26):
it's all up in here, andI'm going to tell you something,
and I'm not saying it's evil orbad or anything. I'm just going to
state of fact. Companies are takingadvantage are a higher tolerance. They're socking
it to us. They know thatwe expect higher prices, and they're cashing

(05:46):
in on it for higher profits.Now I don't mean normal profits like they
normally have. I mean higher proportionof profits, not lower. And I
don't care how companies cry the blueO. They're making out like bandits because
of it. Okay, not allof them, but a good number of

(06:08):
companies all over the country are takingadvantage. Now it's legal. You know.
I've always said, like on myreferral list, I don't control pricing.
I don't. And here's the problem. When you have pricing done the
way it is, it's not likeyou can shop around and find appreciably cheaper

(06:30):
stuff. So you're not led tobelieve they're taking advantage because they're all kind
of priced in that cluster. Justlike with airfares. Well, if you
get a deck built, landscaping,HVAC roofing, roofings a little strange animal
in Colorado because most roofings paid byinsurance, so we don't hear a lot
of price complaints. But you havethese clusters of businesses and they're all kind

(06:58):
of silently wink. I'm not goingto undercut the industry. You don't undercut
the industry. We'll all make money. It's got to stop, because I
believe profit's wonderful. I believe makingmoney is wonderful. I believe gouging people
and taking advantage of their tolerances iswrong. I don't think it's illegal.

(07:23):
I think it's wrong. I justthink it is. There are companies that,
if they can get away with it, and we found them trying,
that would charge nine thousand dollars toreplace a toilet nine thousand dollars. Now,
how is someone to know if that'sa high price or a low price,

(07:45):
other than it's expensive. We havefound furnace HVAC. That's furnace and
air in some houses forty thousand dollarsunless you live in a giant mansion like
Downton Abbey. If you spent fortythousand dollars on heating it and air,

(08:09):
and I don't give a good goddamnwhere you bought it. If it's someone
from the referral list, they didyou wrong. Now I am at a
point in my career now where Idon't care who I call down. And
actually I've always been like that,but more so now I don't care if

(08:30):
you spent forty thousand dollars on heatingand air unless there is something extraordinary about
it. Now there could be okay, like the hybrids with electric and gas
and high efficiency and different kinds ofcombinations. I'm not sure if Mark's tuned
on today if he's your man.But Mark, we've talked about this,

(08:54):
and I'm just going to say it. There are people being ripped off and
it's not an illegal ripping off.They're taking advantage of people, and I
don't know what to do about itbecause I thought, what if I put
out a range of pricing that's notreally fair? And I'm going to tell
you why If I say, afurnace and air conditioner or a roof again,

(09:20):
roofs, a weird category, asiding, a deck, something should
cost in this range, they maynot find it in that range because the
industry as an industry, although there'sno one in there saying I'm going to
be a liar and a cheater anda rip off because they're not. But
they're all doing that pricing thing.They're all doing that pricing thing above way

(09:45):
above what was normal and way abovewhat they need to be. Now someone's
going to say, how dare youtom say what it needs to be?
Well? I get that. What'swrong with someone wanting to make a return
on their investment? Okay, becausein business people look at ROI what that

(10:05):
means is the amount of money youinvest you want to get a return on
because if you can take one thousanddollars and you put it in a treasury
bill and you can make six percentfive and a half six, obviously,
why would you take the risk ofa business unless you make more than that?
Right, So, if you cango in the stock market in an

(10:26):
SMP fund and you can make ifyou really select some good stocks and just
ride it out and have the timehorizon, you can make twenty eight or
thirty percent. You can. Idon't care what you say. The stock
market has its benefits for those whoknow how to do it and aren't stupid
and crazy, and the ones whohave a big enough time horizon. But

(10:48):
to get into business you have tohave the reason, which is a return
on investment. That doesn't mean buyingyourself a job. So if I start
an HVAC company or a plumbing companyor a landscaping company, I don't want
to just make enough to make mea wage. I can go work for
someone for that and not have allthe responsibility. Right. So, in

(11:09):
addition to a wage, what acompany does is they look at all their
product costs and all their overhead andtheir wages. Okay, so you got
people. You got parts, andyou have overhead, and you add all
that up, and if you putone thousand dollars in and you are only

(11:31):
buying yourself a job, that's nota good investment. So they want to
make money. So what is theacceptable? I'm not the one to tell
you that ten percent, twenty percent, thirty percent, forty percent, fifty
percent, sixty percent. Well,I want to tell you something. There
are some private equity firms now goingout taking over companies, and do you

(11:52):
know what they want to make eightypercent on their money? Sixty to eighty
percent on their money. Now,no matter how you look at that,
it is that much above after payingall expenses, all overhead and all wages.
Should companies make profit? Of coursethey should. Am I going to

(12:13):
be the one to limit them?No? But I believe the marketplace needs
to. And I believe if thereare companies out there, instead of struggling
to beat the living crap out ofpeople to get the most expense you can
out of them once, maybe ortwice, how about offering such a value

(12:33):
that you do the volume and kickthe living crap out of the higher ones
and just stay like that. There'sa possibility you will get more return on
your dollar. But listen again,I'm done preaching. But I have seen
more complaints about pricing and lack ofvalue now than ever before. And it's

(12:56):
not all COVID's fault. It's notall lack of supply chain fault, it's
not all the fault of the governmentor inflation. Some of it is just
down write greed and taking advantage ofconsumers. So my new thing is this,
even though I can't control pricing,I'm going to tell you if I

(13:20):
think is ridiculous, and then eventuallymaybe we beat the hell out of businesses
enough where they start maybe wanting tobe competitive instead of wink wink. Let's
get as much as we can fromthese a holes and see what we can.
Then we'll sell to a private equitycompany and then we'll move on with
our millions. You know, Iknow I sound maybe a little like Bernie

(13:41):
Sanders, and I don't mean to. I want people to make money,
But there's a certain degree that youhave to ask yourself. Is a forty
thousand dollars furnace and air system really? Come on? Do you think do
you think that's an exaggerated quote?Mark? Is that an exaggerated quote.
No, I had a quote thathigh. Yeah, yeah, yeah,

(14:03):
I'm gonna tell you it's really youjust just to throw this out there,
man, I'm not trying to poopoo. You're well, go ahead,
Mark, No, no, goahead. But I honestly, I think
the market makes itself. There's companiesthat are higher. Then you have a
company like Europlumbing or Master Services thatdo go in. The owner might make

(14:26):
the same dollar amount, but he'snever going to make that same margin.
So they do do it on volumeright now. But I don't have any
issue with long as it's upfront andthe pricing's explained and everything's there. Now,
there is a point that you couldcall it gouging, But for the

(14:46):
general most generally companies aren't that crazy. No, well, Mark, I
can't imagine the government or anybody elsegetting involved in I'm asking to get there.
The hell I'm not asking, youknow. Here's what I'm saying,
Okay, And when they are presentat a price up front, I am

(15:07):
saying, how do they know that'sa good price or a bad price?
They don't all around and get Yeah, but even if they call around,
here's the unfortunate part. As Isaid, you got the wink wink.
They're calling around and they're getting relativelythe same prices. That's why someone has
to step out and start thinking value. Let me just say this, I
want to bring up a perfect example, and you tell me if you think

(15:28):
this is gam I gotta take abreak and I want you to bring up
the example. But listen, callers, I promise I'll get to you.
But I'm really pissed off because Ifeel for people. I feel for myself.
I think there's there's plenty of moneyto be made, but there's there's
got to be something I don't know. There's got to be some reason,

(15:50):
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(16:11):
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(16:33):
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five four waterpros dot net. Hey, let's go to David, who has
this sounds weird something about puppies.What's going on, David, what's happening?

(16:57):
Well, good morning, calm,nice for you to call him.
What's happening man, what's going on? Well, we have this little puppy
that we went to the dove shelteroff Quebec and the Mblands and you adopted
a puppy. Yeah, she wasa one year old puppy. And yeah,

(17:18):
when when we went down there,we filled out the papers and everything
and yeah, you know, andthey had a microchip put in her and
all this stuff. You know.So one day she got after I got
her, one day she she gotloose, you know, she runs off.
Now, how long after you gother did she get loose? Oh?

(17:40):
At least at least at least ayear. Oh, okay, so
you've had her for you got herwhen she was a year old and now
she's about two. She was ayear old, she was a year old.
She was born in and before twentythree? Okay, so when did
when? So you've had her ayear though before she got loose. We
got her. We got her inaround March of twenty four and she turned

(18:08):
too. Now she got out twice. She's got out the second time.
You know. Pretty crazy. HowI found her and I found the person
that I got her, picked herup from the shelter. Well, this
lady remains Ashley. And the wayI found out that where they took her,

(18:29):
because they took her to Riverside aclinic where they I guess it's in
Brighton or or a Commerce city.Well I was living in Commerce City.
Is that is that a clinic oris that a shelter? What is Riverside?
That's a shelter adoption and everything?It was like the one in Quebec
in Denver. So okay, soI talked to so I went around.

(18:52):
First time I found her, Well, the little girl, she followed the
little girl from the park right aroundand just just one hundred yards away.
And I went up to the firsttime when I found her that she broke
out, Well, she was inI went up to the door to knock
on the door, and I lookedthrough the door because it's a glass door.

(19:14):
She was right there, and theowner of the house was a lady.
She said, oh. And thehusband he said, ah, this
must be your dog, and Isaid, yeah, it is my dog.
I thanked him and thanked the littlegirl and the family and her brother
home. Well, now this isthe time she broke out. It was

(19:37):
a couple of days ago. SoI'm walking around doing the same thing looking
for her. And this lady wasdriving out of her driveway from her garage,
and I said, I introduced myselfand I hey, David, David,
listen. I don't David, Iwant to hear your story, but
I want to know what you're callingabout. Oh, yeah, the dog

(19:59):
was re let me guess. Thedog was recovered and taken to Riverside by
someone right right, correct? Okay, And they found the chip in her
There were two chips still, okay, So then what happened? So they
read one chip and they didn't readmy chip, so they so they got
in touch with uh, I guessI don't know how they do it.

(20:22):
If they got in touch with thislady that had her, that used to
have her, Yeah, you usedto have her. Well the chip,
they had a chip in her,She had a chip in her. So
they contacted her and she came downand she's I talked to the lady at
the SOD. Did they hand thedog over to the old owner? Yeah,

(20:45):
but at the first time that sheever lost the dogs. The first
time that lady lost the dog,she came in and she said she didn't
want the puppy, so they wentup for adoption. So let me,
I don't understand. I don't knowif they're there were two chips, David,
or one chip that had old information. But here's the deal. Hold
on this. If this wasn't original, this was an original owner who did

(21:08):
not know the dog had been recovered, Is that right? Well, yeah,
she did know. She went downthere to claim the dog, they
thought the people and she refused thedog because I talked to him. And
when did she refuse the dog?How long ago? The day the day
that we adopted her. That wasback in uh Okay. So you're saying

(21:30):
she had a chance to get thisdog back and turned it down. But
now here's what I'm asking without thelong story, David, Is she now
saying she wants the dog? Yeah? Yeah, And she came out with
a name Trinsis, and then theyhad a name from the she changed the
name. They changed the name toclaude Is. Okay, So, so

(21:52):
whose dog is it? It's it'swell, it's her dog, but she
gave it up for adoption. Welldid she give it up or was it
or was it missing like with you? Well, no, it was.
Do they have a record of hersigning the dog over right? Right?
And I'm asking David, David Wrightsnot. Do they have a signature from

(22:18):
her turning the dog over right?They? Okay, David, what shelter
got that signature? Where did youadopt the dog? What's the name of
the Is that the Dumb Friends League? Okay, hold on, we'll come
right back to you. This isa weird one. I'll tell you that.

(22:40):
It's uh, yeah, it's weird. She's gonna say, no,
I never gave it up, Sowe have to figure it out. We
got 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

(23:00):
an insurance check up free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three oh
three seven seven to one help.You'll think you're his only customer when you
choose Frank durand the real estate Mandot com to list your home with Remax
Alliance three oh three nine two zerosixteen twenty two. Hi Tom Martino,

(23:26):
your troubleshooter three O three seven toone three talks seven one three eight two
five five. You know we've hadthis happen before I looked in. I
looked in the U. I wonderis that proper to say? I look
through my anals of calls and uhAnyway, I have found that when the

(23:47):
Dumb Friends League takes possession of adog or a cat or an animal and
readopts it, it belongs to thatperson and it's up to that person to
fight with the friends lyue, usuallyto refute it. But Dumb Friends League
usually has records of a pet beingcompletely abandoned or given up voluntarily. Sometimes

(24:15):
abandon means just never claiming it.So my logical question is this first and
foremost, do you have the petnow or was it given back to the
original owner. It was given backto the original owner. Okay, And
did you contact the Dumb Friends League? Yeah? We we We talked yesterday

(24:37):
for almost a half hour and shesaid she said that lady just gave the
dog up. Okay, the dumbhold on the Dumb Friends League claims that
the lady gave it up. Yeah. Do they have written proof of that?
Usually they get a signature. Idon't know. Well, you got
to ask him, David. Yougot to ask him now if this is

(25:03):
sad, Okay, it's sad,but maybe this woman did not give up
the dog. You're going by theDumb Friend's League. They have to show
you some kind of proof. Thislady's probably thinking, oh, what a
miracle, after two years, Igot my dog back, right right.
Did you talk to the owner,the original owner? Yeah? I did,
and she said, oh, it'swe just we couldn't figure out where

(25:27):
she was and all this. Okay, Well, maybe she's telling the truth.
Do you think she's lying? What? Tell me what motivation she would
have to want her dog back ifshe gave it up. What do you
think happened? Oh? I thinkthat they know. They when they got
the dog in from the previous owner, they called her down because the dog

(25:48):
had a chip, because she said, well this dog. Okay, I
get it, And they called herdown, and you say she gave her
up. Yeah, Okay, then, David, I'm asking a question.
There's no right answer. Why doyou think she changed her mind a year
later or two years later? Ireally don't know. Maybe she had a

(26:10):
heart of change in that, andyou know, you know I would feel
sorry, But you know, Ididn't know that. I didn't know the
history of the dog. All Iknow is the dog was abandoned. Okay,
I get it. So David,right now, it sounds like you
and your family are missing this dog. Right Oh, we're awfully we haven't

(26:33):
since the day that she left.We just okay, you know, I
don't. I'm telling you I don'tknow what to do about it. I
mean, I really don't. TheDumb Friends League should be helping you here.
You have adoption papers from them,and they have records that she gave
up the dog. You should beable to get this dog back. They

(26:57):
should be the one, they shouldbe the on helping you, right,
you know, in the I cancontacted the police, the police department,
the police. They're not going todo anything. The police aren't going to
do anything. There's no crime here. I just don't understand why. I
don't understand why the old information wasstill in her That's what I can't figure

(27:22):
out, because when the dog wastaken to Riverdale, that's why they got
in touch with that. No,I get it, Mark, what would
you do in this case? Whatwould you do? I mean, guys,
it's it's a it's a terrible situation. I here's what the only thing
we can do is have someone callover to the Dumb Friends League and see

(27:47):
why they can't provide you proof soyou can at least make a demand for
that dog. But again, itmight this is crazy, but this is
something that might end up in court. Who's around that can call over to
Dumb Friendsly, we just want toknow the transfer records, that's all.
And I know they keep records.So hold on, David, all right,
three oh three seven to one threetalk? Who can we give this

(28:08):
to Kachina? Let's we have totry something. Doc can you just for
the hell of it. I mean, there's not much we can do about
it other than they providing him withinformation. He's going to have to take
it up civilly. I mean,this is this is like a King Solomon
problem. When we do cut thedog in half. We want a copy

(28:30):
of the U of the relinquishing peace. Say what they Here's what I would
ask them. Since this woman isclaiming she never gave the dog up a
dumb friends league is claiming she did. Do they have any record? Yeah,
we want to copy the records.Yeah, if they did, if
they have such a thing. Joe, what's going on with you? Joe,
what's happening? Yeah? Hello,Yeah, Joe, what's happening?

(28:56):
Well, thanks Tom for taking mycall. Yes, sir, My wife
and I. Over a month agowe went in with two leased vehicles,
two Foundation Hyundai. Yeah, andwe traded both of them in. They
were early leases, but they gaveus such a great deal and we put

(29:18):
two thousand down on one of thevehicles, three thousand down on the other.
We told, okay, so youtraded into you traded in two leased
cars for and bought two cars.We traded in two leased cars and leased
two new cars. Okay, gotit okay? And we told them from

(29:38):
the very beginning that we have justa po box because we just sold our
house a month and a half agoand we're waiting for our new house to
be built, which we're moving innine to eleven. Okay. So we
went to finance and they got thedeal done. At first, they didn't.

(30:00):
I said, look, just goto lunch, let us see if
we have a go around, becausethey's okay. But but did they eventually
do it? They did. Wesigned both leases, we left with the
cars. It's been a month andnow they've already sold one of our trade
ins and they told us, hey, we got to unwind the deals.

(30:22):
I said, well, how canyou do that? One of my cars
you sold? And they go weno, no, that's your problem.
No, it's not your problem.But why listen, Joe, There's a
million things that could have gone wrongwhen they said they have to unwind the
deal. I need to ask you, are you sure you even had a

(30:42):
deal. We need to have someonelook at it, hold on and come
right back to you, all right? Three oh three seven one three talk
seven one three eight two five five. This this unwinding of deals happens all
the time. I mean where thedealer tries to get it done, but
the dealer is often wrong. Bythe way, if you're having any questions

(31:03):
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(31:26):
You don't pay a cent until you'recontent. Wait time for an insurance check
up free no obligation comparison call CompassInsurance. Paying too much your coverage at
dozens of insurance companies find out nowthree all three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three all three nine two

(31:51):
zero sixteen twenty two. Hi TomHard, you know your troubleshooter three all
three seven one three talk three ollthree seven one three eight two five five.
Okay, now we do have somuch more to talk about. Mark

(32:14):
is out for a few minutes.I'd love to get people's take on this
dog. I don't really know whatthe hell to do with that one.
Any Wait, Deputy doc is tryingto call you back, Shirt and it
goes to voicemail and he wants tocall over at the shelter and help you
out. So, Joe, tellme something about this. Okay, when

(32:36):
you when you went there, whydid they say they have to redo the
deal? Well, they said thatthat Hyundai wouldn't buy the deal. Now
this is thirty days later, bythe way, I get it for thirty
days now, we signed two fourteenpage lease documents. The finance manager signed

(32:58):
it, so they were done cartracks as far as we're concerned. Well,
they called us back. I thinkthey fired the sales the finance guy,
so I can't get a hold ofhim. And they said, well,
you're gonna have to figure something out. Give us a fake address,
give us the address of one yearsister. You got a sister or brother

(33:19):
lives in town? Wait? Wait, wait, is that the only Joe?
Is that the only reason it wasturned down a po box? Yes,
And they won't and they won't takeour new address because it's not on
the record yet till nine to elevenwhen we buy it. This this is
there's Scott by the way. Theycan't they can't just willy nilly undo a

(33:42):
deal like this. They can't.What do they say they will do if
you don't redo the deal? Theyjust repossess the cars. And I said,
well, yeah, they would bein big trouble. Now does anywhere
in this contract say I know dealershave this tricky wording that they think protects
them, and it doesn't. Butthey're such morons. If you took car

(34:05):
dealers and put them in a biggroup, there's such a bunch of fricking
stupid people, because all they wouldhave to do is say it is not
it is not legal, or itis not a binding until they place the
deal or sell the deal. Butthey don't say that. Here's what they
say, it's pending final approval.And I can argue with them that they

(34:28):
gave you final approval when they handit over the cars and sign the documents.
I listen, this thing. Weneed to talk to an attorney about
it. We need to get acopy of your lease, or call these
people at foundation. Hold on,I'll come back to you and take other
calls as well. This is wrong. Okay, I'm on your side.
I don't know how they get awaywith this crap, but that's a terrible

(34:50):
dealer group. Anyway, Go witha 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.
Pay too much your coverage at dozensof insurance companies find out now three

(35:10):
oh three seven seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Yeah, ripped
of news? Need advice? Whoyou don't have? Come running as fast

(35:37):
as we can. Shooter's gonna help. Come man, this is the Troubleshooter
Show. Now, Tom Martine,Hi, Tom Martino here, Welcome to
the show. Three oh three sevenone three talk three oh three seven one
three eight two five five callers backedup. I want to take them and

(35:58):
then I want to talk to Amaliabout roofing, because you know I started
out the show talking about pricing andvalue and gouging, and although technically they're
I don't know what gouging. There'sno real thing about gouging. But I
think a lot of businesses, asI stated, are taking advantage of the
higher tolerances people have since COVID andsupply chains and not just charging inflation but

(36:23):
taking advantage thinking, well, peopleare expecting higher prices. I'm just going
to make a crapload of money onthis one. We'll get to that.
We got to comment on this dog. Apparently the dog had two chips in
it, one from the previous owner, one from the new owner. He
gets it from the dumb Friends Leagueand then it gets out. That's another

(36:45):
problem. It got out twice.But anyway, so the dog is given
back to the original owner from RiverdaleShelter and he said, but it's my
dog, and the original owner said, no, it isn't. I didn't
know where the dog went from twoyears. And he said, well,
Dumbfriend's league said you gave it up, but he needs to get a record

(37:06):
of that. I mean, itwould seem to me that if you adopted
it from the dumbst Friends League legallythat it would be his dog, except
I believe if she never gave itup. I don't know, Ronda,
what's your comment on this. Well, I believe it's up to the discretion

(37:28):
of the shelter. The dog couldhave been in bad shape at Riverdale when
they got it, yes, andhe decided it wasn't taken care of.
Maybe it was skin and bones ornot in good health. Could be the
dog escaped several times. There's areason if you exercise your dog and not
just leave it in the backyard,it's going to be tired. It wants

(37:51):
to sleep after being walked or whatever. So that's just my opinion. Well,
thank you Ronda. Again, II don't understand it, and you're
right. Maybe they felt the dogwas in bad shape, or maybe they
didn't even know the second ship wasthere. That's the part I don't understand.
Now. I'm going to go backto the foundation in a minute,

(38:12):
but not yet. We're trying toget them on the air to talk about
this, so instead I'll go toMichael, who has an issue with Google
ad words that can be very complicated. Michael, what's going on? Hey,
Tom, thanks for taking my car. Yes, sir, by telling
my story about Google, I listenedfor twenty five years, and you know,

(38:32):
I, why haven't you in allthese years taken it to the next
level and become a national consumer advocate. Well, I did many years ago.
I mean I was in I wasreally at six hundred stations. And
here's what happened. Nine to elevenhappened to see. What happened was people

(38:53):
were getting tired of politics. AndI won't make this long, but so
I was going into station. Iwas in New York, in Houston and
LA and all over, Okay,all over, and what happened was in
Boston. And so what happened wasnine to eleven. After the alternatives,
doctor Laura Me, doctor Dina Dell, other people, they were, everybody

(39:17):
wanted alternatives to politics. But oncenine to eleven happened, almost every single
non political show was replaced with apolitical show. I was one of the
few that actually stayed on the air. But then I curtailed. A lot
of markets canceled and went with likeGlenn Beck or with Rush or with or.

(39:40):
They already had Rush, but theywent with a lot of political shows.
So long story short, I wasdown to a few major affiliates,
and to be honest with you.It was too difficult to serve these big
markets and Denver and make a goof it because it was too much travel
for the few markets I had.So I decided I was just going to

(40:00):
concentrate again on Denver. And thenthe iHeartRadio app came out and people started
pick me up again. So it'sjust a long story. It's not what
it used to be. Syndication isn'twhat it used to be, right,
No, And that's not what Iwas referred to. I was aware of
that what I was referring to asa national consumer advocate like head of a

(40:21):
lobby group. Oh wow, aslike real change to consumers that are victims
on a national scale. Like forexample, when I tell you about this
Google ad words problem, I canalso tell you the other one that I've
noticed is when you were earlier talkingabout heating and air conditioning units, are
you aware that there's a new refrigerantcoming out and they're banning R one four

(40:45):
A that is the current refrigerant inall Wait a minute, they already they
already banned free on. Now you'resaying they're going to go after the new
one. Yeah, So I mean, if you go back in time,
The first one was R ten,and then it was replaced to our eleven,
and then it was placed with Rtwenty two, and then it was
replaced with R one thirty four A. And And the thing of it is

(41:07):
is these chemical companies are are gettingtogether with government and lobbying and banning these
these these refrigerants in the name ofclimate. But they're really doing it in
the name of patent protection because theyalways have the new patent and the new
chemical to replace the old one.And so here we are, We're about

(41:28):
to go to a refrigerant that ispro pain based flammable, where our R
one thirty four A is non flammable. But this is going to have to
change your furnaces because now in caseof a fire, because you have a
leak from your age. That's right, that's what they're worried about. Flammability
is what they're claiming. Yeah,But the thing of it is is the

(41:49):
consumers are paying for this change andvictimized. And as a national consumer advocate,
you could get on iHeart, youcan get under get along with other
advocates around the country and promote acertain cause to make certain change to protect
their consumer because this R one thirtyfour A was perfectly fine. It was

(42:13):
just they were going to lose thepatent protection and then the chemical be made
in China and Mexico and there couldbe competition and there'd be no profit in
it for them to continue making thatrec No, I get what you're saying.
I do listen, but I willsay this, and I know people
don't believe this, but I dowant to say this. The problem with
consumer issues. They are important whenthey hit you individually, like with a

(42:37):
car, or with a furnace orwith changing out refrigent or something. But
it never happened. You got tounderstand this because I've been doing it for
so long. I can tell youthe reason why we never get the traction
of a political issue or of atax issue, because it never happens to

(42:58):
large groups of people at once.And it really like healthcare does, for
example, But then it becomes ahealthcare issue, it becomes like an Obamacare
thing. It doesn't. The consumerissues in general are so so important.
This show proves it. But noone ever experiences a wave of the same

(43:20):
problem over and over to where youget a ground swell of report of support.
It's always so slivered and so it'sjust fractured. You have different people
experiencing different things. I bring themall together on this show. But no
politician would do it because there's nogroundswell of support. I often said,

(43:44):
with all the things candidates talk about, they never talk about we're going to
put an end to consumer fraud,or we're going after fraudsters or scammers or
this or that, because no onewould be out protesting for or against it.
They are demonstrating for it or protestingagainst it. Whereas abortion, it's
more of a it's more of arallying point. Consumer issues are so widespread

(44:09):
that you can't get a large groupof people that have one consumer issue.
They have a ton of them,and they don't look at the ton of
them as one issue. They lookat them as individual issues. I hope
I'm making sense, But that hasalways been the weakness of trying to get

(44:29):
a ground swell of support for consumeradvocacy. For example, even Ralph Nader
when he went on his rampages,they were single issues, single issues.
Every famous move in consumer advocacy hasbeen on a single issue. And that's

(44:50):
the problem. But but Michael,don't you think that the listeners are interested
in a specific person's sorry, Ican also tell you that yes they are,
but what I'm saying they don't goout and campaign for it. They
won't support a presidential candidate who saysI'm for consumer advocacy. It's too widespread
because it gets into every aspect ofour life. But if you said,

(45:12):
you know, I'm going to lowerinsurance cost, that's a single issue,
then people can rally with it.What were you going to say else?
What else do I'm you know?What we do. What you've done is
help individual people. And I cantell you from this show occasionally, but
from the AARP work, when Icall somebody, When I call a company

(45:34):
that's not in a Denver area,they don't care. When we call people
that are in Denver and they getthe publicity or whatever it is that the
media attention, they will pay attentionto it. Somebody in Illinois is not
going to care what people in Denverthink about their company. Yeah, but
even when we were national, though, The point is is that you're right.
While people don't, many people docare, and sometimes they just lack

(45:59):
the community cation. So we calla company and even though they're not in
our backyard, we can solve theproblem and explain to them what's going on.
Again, we get enough play inother places on the on the app,
and we get enough downloads. Oneof the one of the most downloaded
shows in iHeart it that that weget some strength, but not nothing's the

(46:22):
same as it used to be.There. There is no one channel and
one issue that we can rally peoplearound it. They change all the time.
Michael, what is going on withGoogle AdWords. By the way,
that's what you called about. Okay, yes, thank you. And then
this ties into that which is isgreat leadway. So uh, Google AdWords
affects everybody, the consumer and thebusiness that uses it. That's right.

(46:46):
And I know for a f Iknow for a fact that when I turn
my Google AdWords on, I amI get these calls from like India let's
just say that are our solicity.I also get these dead air calls that
are just like you answer the phoneand there's nothing there. If I turn

(47:07):
my Google ad Words off, Idon't get these calls. Then when I
go into my Google AdWords account,I can see that I was charged eighteen
dollars by Google AdWords for this solicitation. And and it's in their best interest
as Google AdWords. I get whatyou're saying. I want to explain.
I want to explain to people whatyou're talking about, but I have to

(47:29):
take this break. I know exactlywhat you're saying. I never even thought
of that you're getting. They're usingthose Google AdWords. They're using your company
as a lead when they click through, but they're not clicking through to buy
something. They're clicking through to sellyou something. Hold on, I'll come
right back with that. Okay,hang on, Go with a sure thing

(47:51):
Denvers Best Roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for insurance check upfree, no obligation. In comparison,
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three all three seven seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate Man dot com to list your

(48:15):
home with Remax Alliance three all threenine two zero sixteen twenty two. Hi
Tom Martino, your troubleshooter three Othree seven to one three talks seven to
one three eight two five five andCompass insurance group will do insurance checkups three

(48:37):
oh three nine nine six nine thousandto make sure you're not paying too much
for insurance or you're not under insuredor over insured. Nothing worse than being
under insured. So Michael brought upa good point. He has Google AdWords,
and for those listening, if youhaven't used him, you've lived on
another planet. But what people doif they purchase words like you can actually

(49:00):
purchase AdWords, Mike, O'Malley,have you done AdWords with Google? Okay,
so tell me what words you wouldpurchase? Uh ruthing? Yeah,
if you can get it right?Yeah, you hel whatever, hail insurance
specialists. You've got root. Sowhen people google that word your company comes
up in an adword, and thenthat they click, you get charged.

(49:22):
Absolutely right now, he is gettingcharged. But some of the people clicking,
they're not buying from them. Insteadthey're selling them or they're trying to
sell them something. But Michael,I don't know how the hell you would
ever control that ever, I mean, how can that be a Google AdWords
problem? Real simple? Google hatis created click farms in third world countries

(49:46):
at my expense because I create anadvertising budget. And so when I paid
eighteen dollars for that phone call.It was it was Google that created that
click farm. Oh are you saying, wait a minute, are you really
saying that Google actually has people inother countries calling you to generate revenue?

(50:09):
Absolutely? Why would they have aninvested interest. I have a budget to
spend it for. You're cutting inand out. Man, I can't go
ahead? Are you there? Doyou think that actually happens people? I
mean really, I mean, whata major servation. Absolutely, I turn

(50:31):
my ads off, it stops.No, No, Michael, I don't
Michael. Listen, Michael, Idon't doubt that if you turn your words
on and off, it starts andstops. But that doesn't mean Google is
the one generating the call. Facebookdoes it too. If I pay for
advertising on Facebook, I get theseclicks all the time, all the time.

(50:58):
On Facebook it says is it's available, and it's it's it's a it's
a deliberate. But if I turnoff my Facebook advertising, I don't get
random is this available? It justdoesn't happen. Michael, it's it's do
you okay? But how would wehow would you go about proving? By

(51:20):
the way, I'm not disputing it. It might be happening, it might
not be happening. How would youprove it? How at we how do
we just fix it? By ifif I get one of these solicitations as
Google AdWords solicitations, and the phonecall ends within ten seconds, Google AdWords
cannot charge me for that click,that would be That would be a good

(51:42):
That would be good, wouldn't it? Yeah, because if I hang up
on the person, I shouldn't becharged eighteen dollars. Yeah, I know
with or with home advisor. Yeah, well, you know, we just
call and we complain and we say, hey, this was a bogus lead,
and they credit that money back tous. But he would have to
do that every day. Yeah,it sounds like it. But I mean,
if it's worth double awards, willnot do that for you? Really?

(52:06):
Yeah, we need to we needto ban this by simply making it
illegal. I'm serious, Billy.Well, I mean, good luck,
good luck getting that done. Imean you might, you might, but
you know you're making good sense.You're making good sense Michael when it comes
to I don't know, like legislation, but business practices for sure, Like

(52:28):
if there's a call that is totallybogus that lasts less than a certain number
of seconds. You're right about that, especially if the call originates with the
person that's charging you. But wedon't know that. He could never sounds
like a mob hit at that,but he could never prove it it's from
a click farm or a call farm. Yeah, it is. I And

(52:52):
not only that, I get thesedead air calls when I am a Google
adwards on I'll answer the phone.I answer every phone call. I'll answer
it and there's nothing there, okay. And these calls only happen when I
turn on my Google AdWords. I'mtelling you it's it's right, right.
I know what you're saying. You'resaying, but but I and I agree

(53:13):
it only happens if you call ifyou turn on your ad words. I'll
agree with you on that. Butthat doesn't mean Google is originating it.
It could be. It could beyour competition. It could be your competition.
Why what do you mean? No, no, no, no,

(53:34):
just because I've been doing this fortwenty years. I've been doing it for
I've been doing this and I knowyou know it's consistent. And Facebook does
the same thing. If I ifI post an ad, a paid ad
on Facebook, Why do you thinkFacebook has that simple click is this still
available? And why is it yousee so many ads that say I will
not reply to the question is thisstill available? Because they have a click

(53:58):
form of people that can't read that, they can click a button and it
shows usage by just hitting that isthis available? And then there's no more
communication. But you're paying for advertisingwith Facebook. Why do you think they
create those simple questions? Because it'sfor third world people that don't speak English

(54:19):
or can't communicate, but they canclick that simple is this available? I'm
interested in this item? And ifthey were to remove that, then that
third world country would have to actuallytype something and communicate on a different scale.
I'm telling you this. There's alot of money in advertising, and
there's a lot of potential for fraud. The way Facebook and Google AdWords runs

(54:40):
their business, it's fraudulent. I'mtelling you, well, I mean disagree,
Tom, Like my dress level forGoogle and for Facebook are super low.
Right, I'm not saying they're notdoing it, but how like if
you wanted a government inquiry, youwant to do it, it's going to
take some real doing, sure,to try to put together a case.
And I mean at some point youjust have to decide whether you're going to

(55:01):
be a part of that animal ornot. Right, is the benefit for
Google AdWords worth the risk of it? Did you ever get a lot of
hang ups? I haven't gotten alot of hang ups, But you know,
we we do get some solicitors thatjust find an active number and they're
like, well, that's a goodnumber, let's put it on our list.
Sure that happens all the time.But what we generate from Google AdWords,

(55:23):
it's good worth it, It's good. Okay? What about you,
Michael? Do you generate good businessfrom it? Yeah? I spent one
last year. I spent seventeen thousanddollars in one month on advertising. And
I can tell you that I've seenattacked in Google AdWords, and I'm telling

(55:45):
you it was what was the ROIon the seventeen thousand? Yeah? What
was your ROI on the seventeen grand? No? No, what not?
You didn't make anything? My ROIwas he's cutting in and out. I
would cut out. It's my ROA. Hey, Michael, is what kind

(56:07):
of business are you in? Whatthat? What kind of business are you
in? Carborculture tree sermons? Ohokay, okay, Okay, so Michael,
listen man, really, you reallygave us good food for thought.

(56:27):
I'm not dropping it. I gotto move on to other calls. But
I got to think about this becauseI don't even know where to start if
I know any people that can dosome digging on this. But you really
do, seriously bring up a reallygood point. He does, like,
how do we know we're not allbeing put together by this place? But
then again, competition could do it. I'm not saying his is doing it,

(56:49):
but it can be done just tomake things expensive for you. Gretchen
has a quick question. You're Gretchen. I know that you have, and
we haven't forgotten about foundation. Bythe way, Kachina, did they get
back to us on that. Yes, we can talk about that probably after
that. Oh good, good,good Gretchen. What is your question on
landlord? Are you a landlord,Gretchen? Yes, I am. What

(57:14):
can we do for you? Well, I have I have a Victorian house
that I rent, Yeah, andI have good renters. They pay on
time, they take good care ofthe place. With one exception. They
asked if they could do some painting, and I said, well, you
know what, what are you thinkingof? They said a gray color,

(57:35):
so I thought, you know,gray sounds okay. So when I went
over there, though, it's sucha dark gray. It's like a black.
They've painted like all the walls ofthis beautiful Victorian house black. And
I said, well, you toldthem they could, right, You told
them they could. I told them, yeah. They said, they're in
a painted like gray. But it'ssuch a dark gray it literally I get

(57:59):
it. Yeah. So I thinkit would cost literally about ten thousand dollars
to fix us if they move out, and I don't have that kind of
uh you know, security deposit.And they told me, they said,
hey, we'll paint it back.But that's been six months and I've asked
about it. They've never get mein any pictures, so I don't know.

(58:19):
Well, you let them do it. You're going to have a really
tough time on this one because youlet them do it. I mean for
you to say, well, Iwasn't I didn't realize how dark the gray
would be. I mean, that'snot going to be an adequate argument.
They asked you if if they coulddo it, and you let them,
I mean, I don't know howyou. I don't know how you now
make them fix it. I reallydon't. I'm being honest with you.

(58:40):
Gretchen. Well, that's fine,I mean I don't know. I mean,
if they if they did it pinkand you had proof, they said
it was going to be gray,but now we're talking about shades of gray.
Yeah, Well, are there anycontractual? Was there anything in the
contract that says that they have toput things back to the way that they
are? Do you have anything inthe contract about putting things back the way

(59:05):
they were? No? No Ah, But I was thinking, like,
you know, there's yours leases isabout up here, and so I don't
know if I could just, youknow, just say hey, well you
know, I don't know. Imean, I just know. Okay,
Gretcha. Now you know about thejust cause law that you're covered by.
Now right, well, I'm notsure. No, let me explain this

(59:30):
to you. This is why I'llnever be a landlord in Colorado. Now
listen, I'll grant them. Thelawmakers needed to do something because there were
not many rights for renters. Butnow it's overboard. So right now you
can't just terminate that lease. Evenat the end of the lease. You
must allow them to stay there unlessyou have a just cause, okay,

(59:53):
and the just cause is covered bythe law and you'd have to look it
up. But some of the justcause would be you're selling it, or
you're renting to an immediate family memberand certain family members, yes, certain
ones know. So it has tobe like the ones covered by the law.

(01:00:14):
It has to be for non payment. It can be for destruction of
property, but that gray you're notgoing to win that one. So you
can, but I don't know ifyou realize that. So people that say
they have a one year lease ora two year lease or whatever, or
a six month least, I tellpeople no, in Colorado, now you
have a forever lease until until thetenant wants to leave. Can she change

(01:00:40):
the lease? She can rent.Yes, at the end of the lease,
she can raise the price, butthat's limited on how much she can
raise it. Can she also itcan't be punitive, right. Can she
put in an amendment that says,yes, at the end of a lease
you can change terms and conditions,Yes, you can, but they can't
be considered and you can't go retroactive. For example, she can't put in

(01:01:04):
a clause that says when you leave, you have to paint it back because
they are she already let them paintit, but she can going forward say
that for anything you change now,you have to put it back. But
again you'd have to get an attorneyto do that, and we always recommend
that. So is this serious enoughyou want to get rid of them?

(01:01:27):
No? Okay, but I wasjust curious, do you think that I
want to rewrite the lease? Icould just increase the security deposit by two
thousand dollars. You know, Idon't know what the law says about that
part. I know you can increaserent. I actually don't know about that
security deposit. I don't, Ireally don't. And again, that security

(01:01:51):
deposit can't be kept to repaint itif that paint. If they leave in
good and that paint's in good condition, you can't say I'm putting it back
the way it was. You allowedthem to paint it, so that paint,
unless that paint is destroyed, youcan't just add to the security deposit
for you to change it back.It's like if you allowed them to put

(01:02:14):
in carpeting and you didn't like thecarpeting, you can't charge them when they
leave for changing out the carpeting,unless of course the carpeting is destroyed.
It's really tricky. Are they justnice enough people that you can say,
look, this is never going towork. Would you if I this is
what I would tell them, justto make you know, if I put

(01:02:36):
in the lease that you have topaint it back to its original color or
to an eggshell or whatever. Uponleaving, would you sign the new lease
and then you give them a newone your lease? I mean, maybe
they won't know that it's that theretroactivity, you know what I'm saying.
Maybe they'll just fall for it andsay, yeah, we'll do it,

(01:02:57):
especially if you say, hey,look I was going to raise the rent,
but maybe I won't, or maybeI'm only going to raise it this
much if you agree to paint itback the way it was. There's some
negotiating there. Not everything has tobe a lawsuit. See what happens.
We have more coming right up.Go with a sure thing Denver's Best roofer

(01:03:20):
Excel roofing dot com. You don'tpay a cent until you're content, wait
time for an insurance check up free, no obligation. In comparison, call
Compass insurance paying too much your coverageat dozens of insurance companies find out now
three all three seven to seven toone. Help. You'll think you're his
only customer when you choose Frank durandthe real estate man dot com to list

(01:03:42):
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.
Hi Tom Martino, you're troubleshooter threeO three seven to one three talk seven
one three eight two five five.All right, listen, you know what
did we find out about Foundation Hyundaiin this situation? They want him to

(01:04:06):
redo the deal? Go ahead?All right? So Joe actually talked or
spoke with two different people on thesales floor. Ye, Noah and Ed,
who are not there today, butI was able to get in touch
with Dustin, who is the generalsales manager. Good proceeded to ask me

(01:04:30):
why I have the right to callon behalf of the customer okay, and
what else? And I get allbent out of shape. He did and
he did help people I did,and I basically told I was very nice
about it. Shanning can attest tothis. Yeah, And so at the

(01:04:53):
end he just hung up on me. Okay, So he's a moron,
he does. And I don't wantto use the name more on because they
use it for my YouTubers. Buthe's a jerk and he doesn't understand we're
trying to help and he's not hip, he's just he doesn't understand. I
mean, so we need to goabove this guy. We really do yes

(01:05:14):
to the F and I department.I have no idea. I like I
said, I was very complimentary.We need to give it to some dealership
toward everything to try to get here'sthis, where's this? Hyundai Foundation Westminster,
Okay. Foundation, by the way, started out with all kinds of
promises on how good they're going tobe. They turned out to be such
slock people. My god, whata bunch of clowns they are. They

(01:05:40):
don't solve any problems. They youknow, in the beginning, they had
a guy there, what the hellwas his name? I want to see
Josh. Maybe somebody was there thatwas really good. And then he left
and I thought the whole place wentthe hell. I mean really, foundation
is like all the rest of thembig and he took over, and you

(01:06:01):
know, I just Joe, Ihave no idea why they want you to
redo the deal. I certainly wouldn'tgo in there right now. And I
don't understand what right they think theycan do this. I would call the
dealer Licensing Board for absolutely, positivelysure right now, while we're working in
looking into this, who should wewho should we assign this to? Is

(01:06:25):
Deputy Dollar around I believe so wecould probably get a hold of him.
We have don't. What I wantto do is I want to call a
jam. I just I just wantto know why they feel they can redo
it. I want to see thepaperwork to Joe, if you can send
it to us, and I'm gonnaI'm gonna put Deputy Dollar on this.
He's not out, he's not traveling. A bow's traveling, right, bow

(01:06:47):
and chopper is out. Okay,but we'll give it to a dollar.
Okay, let's okay, now realquick here, I gotta I gotta take
this break. I got backed up. But Daniel, this is really interesting.
On the traveling with prescriptions, we'lltalk about that right after this.

(01:07:10):
Go with a sure thing Denver's BestRoofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance checkup free, no
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Help. You'll think you're his onlycustomer when you choose Frank durand the

(01:07:32):
real estate man dot Com to listyour home with Remax Alliance three all three
nine two zero sixteen twenty two.Hi, Tom Martino, you're troubleshooter three
all three seven to one three talkseven one three eight two five five Daniel,
what is your question about prescriptions andfoundation? By the way, we're

(01:07:54):
we're working on that off the airfor the guy they told the he leased
cars that he said you got tobring him back. It's crazy, Daniel,
what is your question about prescription drugs? What's up? Tom? Good
listening to you to thank you man? So what's happening? So I'll be
out of the I'll be living ona little trip out of the country.

(01:08:17):
Yeah. And a friend of mine, a friend of mine has asked me
for a favor. He has aprescription to his name. I'm not gonna
say the country, but it's notup north, it's not. So Ever,
since he asked me to do himthis favor. What is the favor

(01:08:40):
he wants? Daniel? He wantsme. He wants me to bring back
the prescription and to him, I'mgonna be flying. So he lives in
another country. No, you livehere. Oh, he wants you to
bring it back. Hold on,I understand what you're saying. Hang on
for go with a sure thing Denver'sbest roofer Excel Roofing dot com. You

(01:09:06):
don't pay a cent until you're content. Please time for an insurance check up
free, no obligation comparison call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeoh three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate Man

(01:09:27):
dot com to list your home withRemax Alliance three oh three nine two zero
sixteen twenty two ripped you You don'thave run ins as we can. Shooter's

(01:09:49):
gonna help. Come Man six isthe Troubleshooter Show. No Tom Martino,
Hey Tom Martino here, Welcome tothe show. If you're looking for great
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(01:10:12):
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prices with better systems. Waterpros dotNet. Hey, we got a number
of things going on. Richard calledabout a speeding ticket. Daniel wants to
talk about traveling with prescriptions. Now, this sounds a little weird to me

(01:10:38):
right off the bat, but we'lltalk about it. By the way,
this is the show that talks aboutevery day aches and pains, that things
that make us tick, the thingsthat tick us off. Everything basically we're
talking about. We started the showtalking about value in pricing and gouging,
and the number one complaint we're gettingthese days is pricing number one number one
complain. Now, let's talk toDaniel. He said, he's traveling.

(01:11:03):
Now, Daniel, where are youtraveling to? Okay, I'm traveling to
Mexico. Just do this. Okay, got it. Now, you're going
to Mexico. And your friend said, hey, while you're in Mexico,
could you pick up some drugs forme and bring them back? Right?
No, No, I mean Idon't mean that in a bad way.

(01:11:23):
Prescription. Now, what I needto know is this the prescription that he
claims to have. Is it anAmerican prescription or a Mexican doctor prescription?
It is a Mexican doctor prescription asfar as I know. Okay, So
is he a Mexican hot is?Okay? And he's living here? Now

(01:11:45):
I get it. And he says, hey, I need you, since
you're going to be in Mexico,just pick up these drugs for me.
Right, So when you go tothe pharmacy to pick up these drugs and
use his prescription, does he alreadyhave an order waiting for him? That
is correct? Why can't they shipit to him? I don't know.

(01:12:08):
And I actually was getting ready togo to the post office, my local
post office, and ask that question. Yeah that it sounds just a little
queer to me. This a littleokay? And yeah, but I but
I want to know more before Isay it. What this is the most
important question? What kind of drugsare we talking about? It has to

(01:12:28):
do it. I think it hasto do with like, uh, what
do you say, high blood pressureor something like that. Okay, So
it's not like pain meds or fentanylor anything like that. No, no,
And I wouldn't do at all.I wouldn't even be calling you,
so he it really is. It'sjust like a blood pressure med Yeah.

(01:12:49):
And maybe, and this is whatI'm thinking, medications are less expensive in
other countries, well, especially nextYes, and maybe they're just into,
uh, to save a book andI understand that. Yeah, and we're
going, so this is a realpharmacy. You're going to go to to

(01:13:10):
pick it up? Yeah? Howmuch are you picking up? How much
does he want you to pick up? The way you made it sound is
just a couple of bottles that shouldmask a couple of months. And that's
about it. Everything is legal.The only thing is it's just it sounds
a little sketchy to me. Also, uh, and this is why it

(01:13:31):
has to do a little research.I actually watched How to Catch a Muggler
on TV, a TV show.I don't know if you're familiar with that,
but they always show people bringing illegalfoods, clothes, merchandise. Yeah,
you know, and and they're like, you know what, you cannot
bring this along. And I've seenwhere they catch people bringing medications with or

(01:13:55):
without prescription, and you know,there are fines involved. Usually they don't
care about one. Usually they don'tcare about one or two bottles, unless
it was like pain pills or something. But here's the thing. It doesn't
sound right to me because most pharmacieswill ship and I don't. And if
he has a prescription issued in Mexicoand he is in the US, well,

(01:14:19):
I don't know why he can't callthat pharmacy and have him ship it.
I have no idea. I don'tknow, and I don't want to
do something that will put in mylife or personal record in jeopardy. Do
you have the actual name of themedication? I do not. I do

(01:14:40):
not. But did you ever seethe prescription? Did he say he's going
to give you the prescription to takewith you. No? No, he
said to just go pick it upat a pharmacy, just basically like here,
you're going to pick up a prescripativefor your significant other. Okay,
No, I get it. Iget it. So you'll go down and
pick up the prescription and give himhis birth date and name and pay for

(01:15:04):
it and just take it home,right I am. You know, I'm
a little suspicious if he's not tellingyou the name of the drug. He
could very well be saying it's bloodpressure medication and picking up, you know,
a thousand tablets of oxy cotone.I don't want to do that,
I know. So how do youknow what they're giving you is blood pressure

(01:15:27):
medication? You don't? Yeah,exactly, I don't know, you know,
I actually don't know what the ruleis for traveling with a prescription.
I mean, I mean what I'msaying is I have blood pressure medicine I
take with me. I mean,no one's ever asked me about it.
But I don't know what the ruleis if I pick up medication in another
country for someone else. But hedoesn't sound right to me. I mean,

(01:15:51):
even if you put it in thesprin bottle. Yeah, drug sniffing
dogs sniff it out. It doesn'tmatter whether you have a prescription for it
or not, right like, no, no, no, no, if
you have a prescription reward. Yeah, But if you have a prescription,
they're not going to bust you onthat. I mean, no, no,
no, I'm just saying, like, you don't really know what you're
getting, right, So, man, the last thing you want to do

(01:16:13):
is end up in jail in Mexicobecause you are you are you're picking up
drugs that aren't yours. I mean, I as place as he's saving,
can we just give the guy theextra fifty bucks? Yeah, like that's
run thing. And how much isthe guy saving? It can't be that
much. Blood pressure medicine is nextto nothing now, Yeah, so I
don't know. I think, youknow, let me ask you something.
Is he a US citizen? Idon't know for sure. I'm going to

(01:16:38):
go to the extend to say no, because I was going to say if
if he you know, does hehave like a regular doctor he can rescript
and all that, because they're reallythings are not that things are not that
expensive anymore, like like drugs,not all, not a lot of them
are. I wouldn't do it ifyou're asking for I mean, and Deputy

(01:16:58):
Doc said, it's pretty questionable.I don't know. I can't give you
a legal answer, but I wouldn'tdo it. I really wouldn't know.
And I was not looking for legaladvice by any means. I guess what
would someone else do because I again, I want to get framed. And
then all of a sudden, thereason I wouldn't do it is not because

(01:17:20):
of the US, but because ofMexico. Yeah, I mean yeah,
and we all know what happens inEurope and Russia and all that. I
mean, look at that man.Can you imagine being busted for what?
Did grinder have? Just some oil? Yeah? God, it was like
a strong hemp or seeds, soreed oil? Yeah? Oh okay.

(01:17:43):
It wasn't like she's getting stoned.And even if she wasn't mean the oh
my god, she she could havebeen in prison for twenty eight years.
I really, I really like mylife of freedom here. So yeah,
Daniel, I would, I wouldn'tdo it, but you know, and
you know, I don't even knowif drugs are available anymore in Mexico like

(01:18:08):
they used to be, because Iused to hear people say you could walk
in a drug store down there literallyjust buy oxy or buy stuff without a
prescription doc. Did you ever hearthat? Well, I know you could
buy antibiotics down there, and Ithink that the strongest thing you were able
to buy was sailing on with codeine. I don't think there was all the

(01:18:30):
oxy coodon or anything stronger than that. But I think let's say antibiotics and
uh T threes were probably available,Okay, And that's the tailan on Okay,
thank you three oh three seven toone three eight two five five.
I'm going to talk to Richard abouta speeding ticket, coming right up and
see what we can do for him. Genesis Total Exteriors for all of your

(01:18:53):
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(01:19:13):
com. Go with a sure thingDenver's Best roofer Excel Roofing dot com.
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up, free no obligation comparison callCompass Insurance paying too much your coverage at

(01:19:34):
dozens of insurance companies find out nowthree oh three seven to seven to one.
Help. You'll think you're his onlycustomer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three oh three
nine two zero sixteen twenty two.Hi, Tom Martino here, Welcome to
the show. By the way,Petrolleyroofing dot Com out of Colorado Springs has

(01:19:58):
been with us for years. AndMichael alleys here and I do have one
quick question here for you on texton where is it? Let me find
it? Okay? On on upgradingshingles, because I talked about Genesis doing
upgrades from siding to stucco. Soon the roof upgrading shingles, if the

(01:20:19):
whole roof's destroyed, does the doesthe insurance company they want to know,
ever, allow for better shingles.Now, the insurance company itself is going
to pay for what was on theroof before, so the price increase,
though then they get more, butthey don't get a different roof. That's
right. But most most companies rightnow will upgrade you for a nominal cost,

(01:20:43):
if not free, are you guys? Yeah, absolutely we do sometimes
so it's not in the homeowner's bestinterest to upgrade to a Class boor impact
resistant shingle. Why, Well,you do get an insurance discount. But
what happens is after ten years,certain insurance companies depreciate the roof fifty percent,

(01:21:03):
and so if your roof isn't replaced, within the ten that ten year
timeframe, then you're going to beon the hook to pay for your own
roof, even though you've had insurance. So you, yeah, you just
have to be really good. Waitwait, wait, but but that's if
you have actual cash value or HGV. That's how it used to be.
But insurance companies are changing to what'scalled an RSP, a roof scheduling program

(01:21:25):
to after really it'll go from anr roof schedule. I've never heard of
that. Yeah, it's what soit's saying, is that just for impact
resistance, it's for all all shingles. Okay, I got to write this
down. I never I never heardof such thing. It's called r SP.
Really, yeah, and so it'sthe insurance companies mark. Have you
heard of RSP? And so itstands for what roof scheduling program? And

(01:21:50):
that means that it will diminish yourvalues for each year. So instead of
just having recovery depreciation, which youwould have, no I get CV.
Yeah, they say that's a flatout all they pay after ten years,
it's your actual cash value. Ohmy goodness. Yeah. So so in

(01:22:11):
those cases, like for me personally, I didn't put an impact resistant shingle
on my room. Yes, Iwant to get it replaced before ten years
on the insurance even But okay,well does that make sense? Yeah?
But hold on, But if anyroof you have to replace within ten years
and you're betting you're going to haveoh no no, because you're saying the
hail resistant one won't be replaced likeit resistantly crash. So all right,

(01:22:34):
all that That's why I got todigest this for a while. I don't
know if people are hearing this,but this is major information. Okay,
Now let's go to Richard. Richard, tell me about your speeding ticket.
Hi. Tom, Hey, Richard. Hey, I'm I'm I'm there.
Are you here? Can you?Yes? Sir? Thank you sir.
First of all, I just wantedto thank you for your many, many

(01:22:56):
years of service. I've been listeningto you from the nineteen eighty As a
matter of fact, you have withanother if I had in the eighties.
But but in any case, I'llget to the to the point. I
received the ticket a week ago todayin Frederick, Colorado. And on that
particular ticket I have, there isa line item for you to sign to

(01:23:18):
acknowledge that you receive the ticket.I was never asked to sign it,
but in that line its stated validColorado CDL, which I do have.
That's that's one thing. I don'tknow whether you know whether or not it
is required for us as No,if you don't sign it, if you

(01:23:41):
don't sign it, you don't haveto sign it. However, if you
did not sign it and then yousaid you never got it, they would
have to prove it, so itdoes make the burden shift to them.
But if you lie about it andit's discovered, it's even more trouble.
So it's really what they call substanceover form if you really did get it,

(01:24:06):
even if you didn't sign for it, unless you're really pissed off at
the system and want to make astand, and you don't think there's a
way with the that the camera inthe car or body cam or anything,
that he got this license plate orshe got the license plate, then I'm
saying, take your chance. ButI would never lie about it. Yeah,

(01:24:30):
not into line about anything. Butthe other The other issue on the
ticket is I actually wrote the cityattorney an email and talked to her about
this particular ticket, and she gotback to me. Why though, what
what what about the ticket that bothersyou? Well, the other thing that
bothers me about. First of all, I have a system in my vehicle

(01:24:51):
that warns me when I'm five milean hour of speed limits. It never
was activated. But but beyond that, there's another part in the ticket there
it you know, I was giventhe opportunity to pay a fine and have
the ticket reduced from four points totwo points. And on the back of

(01:25:11):
the ticket it shows that two pointswould go down as operating in an unsafe
vehicle. But the attorney told me, and you know, you can help
me out here, I hope thatthat that actually is what they call a
masking of what the true infraction was. So therefore, they're in the process
of of reprinting their tickets so thatthey comply with the federal law. Is

(01:25:39):
what she's told me. But onmy particular ticket, it says it would
go to two points operating in anunsafe vehicle. I don't know. Can
they arbitrarily just tell you that?And if they've told you that, is
that legal? Is that enough forit to be? Well, let's put
it this way, Okay, whatthey have done, and this has been

(01:25:59):
going on for years they would putdown a lesser offense if you don't fight
it, and it's like a pleadeal basically, now, did you have
an unsafe vehicle? Technically not,but would you rather have that than speeding?
Then you agree to it. Andif you agree to it, you
agree to it. But like sometimesthey'll put out a tail light or something.

(01:26:23):
They'll say that, I don't knowwhat they're talking about when they say
that, they have to comply that. There's most what's that mark. There's
quite a few insurance companies that lookat a defective vehicle like a speeding ticket.
Of course, yeah they know that, but that's not like, that's
not like against the laws. WhatI'm saying is what he's doing is not

(01:26:43):
against the law. But insurance companieshave long ignored those mark. In fact,
they'll ask you was it really adefective vehicle or really a tail light?
Or was it masking? So theword masking comes from the insurance industry.
Well, when I looked it up, I looked it up online.
You know, it definitely has someimplications of the anti masking and what the

(01:27:10):
municipalities are supposed to be doing.But I guess still my question is if
in fact, on this particular ticket, it says that it's an unsafe vehicle
operating an unsafe vehicle. Can theyarbitrarily change that in the system that they
report to on our CDL as anexample to a speeding two point speeding ticket?

(01:27:36):
Well, they, you're asking me, can they? When you say
legally, I mean, I can'tanswer that. All I can tell you
is they do it all the time. However, it says here specifically,
because I looked up the CDL,it says for CDLs only if federal regulations

(01:27:57):
prohibit it, so they can't.Now, now, this is something I
didn't know until you mentioned a CDL, so I put in CDL with my
search, and this says masking aspeeding ticket is a common practice taking a
speeding a violation and altering it andkeeping it off the record by various means,
such as making it a non movingviolation. However, if you hold

(01:28:24):
a CDL, federal regulations prohibit maskingon your license, so technically they can't
do it. So let me tellyou how it goes down. This is
my understanding, and I believe JoeLazier is the one I got this from
long time ago. When you geta speeding ticket or whatever is issued to
you and you either plea or fightit in court, whatever the outcome is

(01:28:46):
is what it is. Then itgets sent over to DMV. That's when
it hits your driving record. Nowthe issue is this with the CDL,
they can look at the original charge, is my understanding, I'm not sure,
right, sure, so they cansee the original charge was speeding and
you took you took the plee downto defective taillight or whatever it is.

(01:29:09):
I'm not sure they do that witha normal driver's like. They don't.
They don't mark. Now, witha normal driver's license, an insurance company
can charge you as if you hada speeding ticket if you tell them it
was really for speeding. Most ofthe time they don't. But a commercial
driver's license, you can't do itat all. You can't. It's it's

(01:29:31):
absolutely you're right, it's against thelaw. And with a CDL, well
you can not allowed. You canstill take the plea for whatever municipality or
whoever you're dealing with. But thebottom line is everybody's going to know on
your driving record that it was aspeeding ticket. Right. You can still
take fewer points, you can stilltake fewer points, that's right for sure,

(01:29:56):
But on your CDL it will showus a speeding violation. Okay,
yeah, and that's what I reallywanted to know. And you know,
it is what it is. Youknow, it's one hundred and twenty dollars
fine, four points down to twopoints. It's probably not worth my time
or money to actually, but I'dlike to ask you something, as a
CDL holder, tell me about it. Is it? Do you get punished

(01:30:19):
for speeding tickets way more than youwould with a regular driver's license. Can
it affect your ability to work?Well? I think if it's a you
know, over a period of timeyou accumulate more than one I think every
year or so, it can affectthat. Yes, okay, so it's
so it's an important thing for me. Although I'm retired and I still do

(01:30:44):
a lot of driving for various companiesand a lot of help out there.
It could affect me if if,in fact, I were to receive another
which you know, like I wassaying, this was also in my personal
vehicle. But you know, Idon't know. It's just now obviously wait,
we haven't talked about this, andthat is you can dispute the whole

(01:31:05):
thing and fight it. I mean, you're not guilty automatically. I mean,
the chances of winning a speeding ticketare pretty slim, but you can
also fight it. I got tomove on to another call, but I
wish you the best. Three ohthree seven one, three eight two five
five. Julie was cited for thirdparty damage. I don't even understand.
Are hired, I'm sorry, athird party for damages to her home or

(01:31:29):
the city did tell me what you'redoing? The city hired someone who damaged
your home? Is that what I'mreading in these notes? Julie, not
really, So okay, go aheadand tell your story, Pachina, This
this note line you put here hasme confused as hell. Go ahead and
let me know what's going on,Julie. Sure. So the city that

(01:31:50):
I live in, their building department, hires a third party company to run
the building department. Oh, they'rethe ones that were They're the one that
give out the permits for the permanentwork. They're the ones that approve or
deny the work done. Yeah.So they have a private contractor doing this,
a third party company. Yeah,yeah, that's what I meant.

(01:32:12):
Like, Okay, yeah, solong story short. Last year in May
at twenty twenty three, there wasmajor hailstorms. I got hail damage.
Obviously, I need your roofers shouldcome give me estimates. And I had
one roofer stay to me like that, this is all wrong, as in
the work that was done, whichwas new in twenty twenty. And so

(01:32:33):
then I'm like, what do youmean it's wrong because I don't know anything
about roofine. So in twenty twentywhen you had in twenty twenty, when
you had the roof done, wasit also because of hal Yeah, And
the roofer that was looking at themost recent damage said, hey, this
previous job was done all wrong,right because A there wasn't enough events and

(01:32:59):
then and there was I don't knowif you know anything about the pitch,
but I've learned an awful lot thepitch that my roofs have two roofs are
below a two twelve. With atwo twelve or below roof, you cannot
have three tab shingles on it.Okay, now is that right? Mike
O'Malley, do you know about that? Just put that my closer to your
Yeah, it's right. You haveto go with the low slope roofing.

(01:33:20):
Material. All right, I gotto take a break. I'll come right
back and see where we're going withis Julie. I think she's gonna blame
the third party because they were inspectingwe'll have more coming up. 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.

(01:33:46):
In comparison, call Compass Insurance payingtoo much your coverage at dozens of
insurance companies find out now three Othree seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate Man
dot com to list your home withRemax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, you're a troubleshooter three oh three seven

(01:34:11):
one three talks seven one three eighttwo five five Julie, I think I
understand the problem. So you're inyour city, the building department is run
by a private company because the municipalityhires a private company to do it.
This is not unheard of. Thereare private companies that run water systems,
sewage systems. Private companies that dostreet maintenance, and in this case,

(01:34:33):
they say, run our building department. Okay, in running the building department.
I know you're going to make thecase because of how you presented it
that they aired in their inspections ofyour roof three years ago when it was
replaced, and it costs and itwas done improperly. They use the improper

(01:34:56):
shingle. What else was done wrong? But at that time, that's all
I knew. And then when Igot my roof replaced in September of twenty
twenty three, I had my rooferand I were up there when they tore
off the shingles, you could seemold. They the decking was improper,
they used plywood and certain areas orreplace it. There's millions of gaps within

(01:35:18):
the boards. What do you meanit was improper? They didn't. They
didn't lay it down right. No, they did not. I don't know
how you lay it right if yougot a two inch gap between boards.
And so you're saying this roof wasnever you're saying this roof was never inspected
properly. Had it been inspected properly, it would have been laid down properly,

(01:35:42):
and you would not have had theadditional damage. Correct if they would
have come to see the decking andnot approved it, they would have had
to redo it. That's exactly whatI just said. Then you wouldn't have
had the damage. We can getright to that point, and I agree
with you. I totally agree withyou. Okay, if what you're saying
is true, they put it onimproperly, it wasn't inspected, and as

(01:36:04):
a result, you have additional damage. What I need to ask you is
what's that additional damage. My sightingis bubbling like, it's like wavy like
from the moisture, and I've alsohad ceiling damages. Then you need a
public adjuster because your insurance will coveradditional damage. It's going to be easier

(01:36:27):
to get your insurance to cover it. And I'm going to tell you why.
The governmental immunity will go to thatwill extend to private companies who are
hired by the municipality. So you'regoing to have the worst time in the
world if you think you're going tosue the city for this neglect or for
this oversight. It's going to bereally, really difficult. Your insurance covers

(01:36:56):
all of this stuff. If it'sa result of this dammage, it's gonna
be covered. To see, thetail didn't cause the damage, it's the
three years of the rain and snowmelting on the roof. Yes, unfortunately,
that's right. And however, nowyou're right. If it's normal wear

(01:37:16):
and tear or lack of make coverage, it could be denied depending on how
it's presented. I was going torecommend that you consult a public adjuster to
see if you can get it coveredby your insurance. Because I'm gonna tell
you this, Julie, unless I'msadly mistaken, which I'm usually not,

(01:37:40):
you're either gonna get it covered byyour insurance company or you're gonna have no
coverage and to sue the city.What do you think that's gonna cost you.
It's gonna cost you way, way, way more. You're gonna lose.
You can't sue them because that companyhas governmental immunity. Well, actually
you can sue them. There's aprocess, but it's going to be I

(01:38:01):
don't think you're going to get anything, is what I'm saying. But see
I'm not. Initially I started aclaim. There's a claim filed with that
company's Professional Liability Good and what arethey saying. They're the ones that Oh
they're lying left and right and sendingletters to the roofing company telling they sums

(01:38:23):
up great jobs, we passed this. Yeah, but what what tell me
what you put in a claim thatthird party, that third party running the
building department? Are they saying toyou, yes, you can put a
claim in with our insurance, rightthey I don't need their permission. I
did it. Okay, Well,actually they cooperated though, because you found

(01:38:45):
out who they're whatever. I don'tcare how you word it, but they
they are not opposing you putting ana claim. If their insurance wants to
pay it, they're not going tooppose it. Is that right? They
are opposing it. Okay, that'swhat I meant. So they're not giving
you They are opposing it under whatgrounds? Are they opposing the claim you
put into their insurance? They arestating that my roof pitches are over A

(01:39:12):
two twelve when they have no proof. Okay, So they're doing it on
a factual basis, which is good. They're not saying they're not invoking governmental
immunity, are they? I wouldn'tthink so. They're part of no.
I mean they never mentioned it,right, They never mentioned government immunity right,
No, and their insurance company didnot mention it, right. Correct.

(01:39:36):
That's good news. So if itcomes down to simply proving the pitch
of the roof, that's way easierthan if they claim governmental immunity. So
is that the big issue now thatyou don't have a two twelve pitch?
That's their claim yet. So ifyou show them proof with an engineer who

(01:40:00):
measures it, that you have atwo twelve roof, then they have to
pay the claim, right because they'renot protesting the claim, correct, So
why haven't you done that? Picturesaren't going Pictures aren't going to know?
I need like a professional. Ineed a professional. Yeah, you actually
do. But this is good news. See, I am happy for you,

(01:40:24):
Julie, because they're not. Theynever even mentioned, forget it,
Julie, were covered under the city'simmunity. They never mentioned that. If
they're so stupid as to mention that'snot a two twelve pitch and you could
easily prove it is, well,then you took their argument away. You're
gonna get it covered, okay.Well, so here's what I want to

(01:40:45):
know. Michael O'Malley with a petrolleyroofing. Who does she get like,
why won't they take a roofer's wordfor it? That is a two twelve.
Well, it's easy to manipulate thepictures and see that, hey look
this is like I could go andsay this over so she needs really an
engineer. An engineer would probably somebodythat stamps it and says, hey,
look this is a bright twelve,and you know what they're I think once

(01:41:09):
you do that, you're you're gonnahave it. I mean, in my
opinion, we got to take thisbreak. We got more coming up.
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

(01:41:31):
obligation comparison call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three oh three sevento seven to one help. You'll think
you're his only customer when you chooseFrank durand the Real estate Man dot com
to list your home with Remax Alliancethree oh three nine two zero sixteen twenty
two. Hi Tom Martino, yourtroubleshooter three oh three seven to one three,

(01:42:00):
three oh three seven one three eighttwo five five. Ronda has a
follow up with T Mobile. Yes, this was the weird one. Let
me get rid of that. Okay, there we go. Yeah, Ronda,
so your cell was damaged and youwanted to replace? Can I ask

(01:42:20):
you a really huge favor, realquick? Yeah, go ahead before can
you? Can you tell uh,Deputy Doc that I said, Hi,
he delivered my daughter thirty one yearsago. Are you kidding me? Whoa
tough deliver? So I remember?Ay? Wait, you remember Ronda's daughter

(01:42:42):
specifically? Now I was just kidding. Oh okay, my daughter was breach
and she had her legs up inthe air. How many breaches did you
do, Doc? Oh? Alot? While there's like, uh maybe
five percent of births five of breach. Well here my husband, my husband
worked on your wife's car. Mybest friend bought your wife's car. Oh

(01:43:05):
wow. And you know, DeputyDoc said, when he delivers a baby,
he would always say, now,that's one of the cutest babies I've
ever seen. Oh the mine was? They all are. Yeah, so
anyway they have Okay, so Doc, she says, hello, isn't that
cool? Anyways? So you're yousaid that you wanted to replace the screen,

(01:43:31):
and you paid a ninety nine dollarsdeductible under the assurance plan, and
they they sent you a new phoneright and and UH charge you four hundred
bucks or a refurbished phone, thewrong phone. I know you had a
problem there, but eventually the bottomline is they haven't. They need proof

(01:43:51):
of delivery of your old phone beforethey'll credit your account. We'll come back
to you on that because I'm outof time and I want to give you
some time to answer it. Wehave that coming up on the Troubleshooter Show.
I'm Tom Martinez Alsotrolley Roofing dot comin the house. Go with a

(01:44:12):
sure thing Denver's best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Please time foran insurance check up free, no obligation
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find
out now three oh three seven sevenone help. You'll think you're his only
customer when you choose Frank durand theReal estate Man dot com to list your

(01:44:36):
home with Remax Alliance three oh threenine two zero sixteen twenty two. Rit
ne need advice so you don't haverun ins as cam. No Shooter's gonna

(01:44:59):
hilp. Come man, this isthe Troubleshooter Show. Now Tom Martino,
Hi, Tom Martino here, Welcometo the show. Three oh three seven
one three talk seven one three eighttwo five five. We're here to help
you solve problems and answer questions,take complaints. This hour brought to you
by renew home Innovations dot Com forthe best shower conversions ever. Beautiful beautiful

(01:45:23):
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(01:45:44):
or three days and then you haveseventy two months to pay with no interest
three three nine zero four two thousand, three three nine zero four two thousand
renew home Innovations dot Com. SoRonda called with T mobile problem and she
said that they promised, well,we had one deputy call and they promised

(01:46:10):
it would no No. I knowwhat happened. I told you to wait
because they promised it would be doneby July thirty first, which is today,
And so I wanted to know ifthey did finished. Did you get
your phone? No? So whatI did get my phone? But what
happened is I mean your credit?No. T Mobile did a conference call
with a lady named Ruth from TMobile did a conference call with Kenya from

(01:46:35):
Assurance, and she said that thedocumentation of the lady I talked to the
day before, Liz, wasn't inthere at all. Someone, someone at
eleven am, said that it'll takeone to two more billion cycles. Are
you kidding me? You've been waitingsince when to get this credit? Since

(01:47:02):
March twenty first, that's when youfirst sent in your phone. No,
my phone was their March tempt andso okay, it three one, and
then the second phone was three ten, and then we received our bill from
cheap So we're talking about the fourfull months they've had your phone, yes,

(01:47:25):
and that you can't find it andthey have not credited you, and
they're charging you four hundred dollars,Yeah, four hundred and eighty dollars,
eighty three dollars and eighty cent.So what did when you were on the
phone. What did they suggest youdo it? Verison not Verizon? At
which what cell phone? Is itplaning? Are you on mobile? What

(01:47:49):
did they they suggested? I seta payment plan up for it. Yeah,
but mobile is on that and getrid of the bill. What do
you mean they can't get rid ofthe bill. They're okay, and it's
a company that they sold us theinsurance to. And are you saying when

(01:48:10):
you say the assurance or assurance assurantwith the teeth? Okay? My husband
kindly wrote that in the notes.I see, Okay, So right now
you haven't paid it and it's onyour bill, yes, gosh, dang

(01:48:30):
it. And T Mobiles says theteam Mobiles giving me a credit hold until
August tempt What does that mean?They won't start collecting again until after August
temph. So they're going to waituntil then to see if you get a
credit. Yeah, which I won'tbecause it's going to be one one to

(01:48:51):
one to two more billing cycles.Again, did Assurance say why it takes
so long to issue a credit?They say it's because they can't find the
phone in the warehouse. They haveproofs that they have it, They have
the well then why is that yourproblem? I don't This thing is crazy.
It is crazy. Well, somebody'sgot to call them. I mean,

(01:49:15):
this is ridiculous. We got tocall these people. They're just jerking
you around. I mean it's notLook, you have a receipt. It
was sent. They even agree thatthey received it, so if they lost
it, that shouldn't be your problem. Who do we have that can explain
that to these morons? I don'tknow because I try to call them and
I cannot get through. They tellme what number I'm calling from, and

(01:49:39):
they don't let me get through.We can probably get through. You have
the initial number to call. Doyou have someone there you've been talking to
at Assurance? No, because they'vecease to communicate with me unless I go
through T Mobile. I can callT Mobile and they can take our password

(01:50:02):
and make a phone call to Assurancewith me on a line into a conference
call. That's the only way Ican talk to Assurance. And that's what
they did yesterday they called me.So T Mobile is your bridge between them?
Yep, and T Mobile heard themsay they have proof they have the

(01:50:26):
phone. They heard them say thatseveral times. Now, then why won't
T Mobile say to them or advocatefor you. They're not advocating for me
at all. Anybody have any ideas? This started in February, So,

(01:50:47):
yeah, this thing sucks. I'mlooking up insurant Assurant because we really need
to get to them directly. Somebodyat assurance has to care and man,
and they're not documenting their phone callsso obviously because they don't have any entry

(01:51:10):
for me talking to Liz two daysago that guaranteed me twenty four to forty
eight hours. No, they're justand you can't sue because you haven't paid
it yet. Right? Is Markstill on? Is he still on or
not? I wanted to run that. I kind of feel like T Mobiles

(01:51:33):
to be responsible because we paid theinsurance through them. Okay, purchased it.
We're gonna you know what, Doc, can you call T Mobile for
her and start there? At leastyou're listening to this problem? Right?
Yeah? I can try, becausehere's here's what I would say. It's

(01:51:53):
a very simple thing. You've beenon a conference call several times and verified
they got the phone. They justsaid they can't place where it is.
That's not her problem. She's doneeverything. She's supposed to do. I
mean, you're the one selling thisdamn insurance policy. Or we got to
get a contact at assurance and callthem. I would I would at least

(01:52:18):
doc start, at least start makingsome calls and see if we can get
someone at tea mobile, maybe evenin media or something that can help.
Yeah, I'll try the media relationsTom Yeah, and say, look,
this is ridiculous. What's happening tothis woman? She just doesn't want to
be charged for the phone she sentback? All right, RONA hold on,

(01:52:43):
Craig, what's going on with you? Craig, welcome to the showy
real quick and listening. What's yousince the mid eighties? So wow?
For years now, I got allof these listeners calling in about the eighties.
This is so cool. What's happeningwith you? We're all getting older
and we're all getting well. Hey, hey, hey, yeah, I

(01:53:04):
guess we are. I guess Iguess we are. Have have you met
as your referless folks? Been withSmith's for the last four years? Four
years years? The clerk choice.But this call is just to give a
shout out if I can, sureyou can from one of us, from
one of us. Truths Jacob withthe trolley. We've met a few times.

(01:53:27):
I just signed a contract with Jacobyesterday for the to do my rough
But on one thing with Jacob,he's been really patient and helping me to
understand like the the actual cash value, how the recoverable and appreciation works and
all that, so I understand reallywhen I'm getting into what's going on,

(01:53:50):
how this gets paid and everything.So just a quick shout out to Jacob.
Is Jacob's on one of his son'sbirthdays today, so he can give
that out to him too. Thankyou, Thank you man for waiting to
tell them. And who is Jacob? Mike? Who is Jacob that he's
talking about? And Jacob is oneof our He's just a dynamite guy.

(01:54:12):
I tell you I've met Jacob,and you know how you just get a
feeling for somebody. How long hasyou Jacob had owned a painting company.
He's been with us for about ayear now. Yeah, and he's just
dynamite, Like he's a person thatyou want to be a friend with,
not just someone that you want towork with. That's cool. Now,
he's got like six kids, soI can't tell you which one of his
birthdays they are like they But Itell you, man, all of his

(01:54:35):
kids are dynamite. They were likelittle bow ties and they're just the cutest
little things. But yeah, Jacobis one of the best. But we're
really selective in who we hire.You know, they carry our reputation with
us, and Jacob exemplifies what wedo at Petrolley Roofing. So what a
wonderful Carl. Thank you so muchfor that. Yeah, we do appreciate

(01:54:58):
the feedback. Trust me, wegot more coming right up on the Troubleshooter
Show. 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. Incomparison, call Compass Insurance paying too much

(01:55:20):
your coverage at dozens of insurance companiesfind out now three all three seven 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 all
three nine two zero sixteen twenty two. Hi Tom Martino here three oh three

(01:55:42):
seven one three talk three oh threeseven one three eight two five five,
I got Michael Maalley with me fromfor Trolley Roofing, and we're talking about
this thing that is causing some confusionbecause I got some texts on it and
they want us to clarify it.And it's called scheduling or the official word,
and in fact I'm wondering, youknow what, we should get Compass

(01:56:05):
Insurance Group onto to talk about it. But it's called what's the official word?
So some people will call it aroof surface payment schedule, some will
call it a roof payment schedule.Some different insurance companies have different terms,
but okay, and basically what doesit say. It says that over or

(01:56:30):
after a certain time period, yourroof will transition from an RCD policy to
an ACD policy. And so mostof that cut off is about ten years,
so they take a little bit awayfrom your coverage every year. Yeah.
So, and by the way,this won't happen to you unless you
have this kind of policy right whichthey're starting with. So you probably don't

(01:56:51):
have it, but look out forit. When they say you have a
roof scheduling program, it means they'regoing to pay a certain amount each year
for ten years and then it goesdown a tenth maybe not a tent,
but it goes down over ten years. And then at the end of ten
years, is it only fifty percentcovered or yes? For a normal thirty
year shingle or asphalt shingle, afterten years, you'll you'll only get like

(01:57:15):
a fifty percent recoverable cost on that. So it's an ACB policy. Do
you think basically everything's going to moveto that eventually for insurance sake, especially
in high risk areas. That's wherethey're moving right. It's a losing game
for insurance in Colorado right now,and the house doesn't like to lose.

(01:57:36):
Yeah, So Kaschina, if youcould just put a quick call into Compass,
I want to know about this.So what they're saying is this,
if you have a roof that's goingto last because it's hail resistant, is
that really helping you? Well,technically you can go through several storms without

(01:57:58):
ever getting replaced, right, Solet's say it goes on for ten years
and you never had to replace itunder insurance. In the tenth year,
it might only be covered by fiftypercent. So does it depreciate after that
or not? Yeah, it'll continueto depreciate down to whatever that expected life

(01:58:19):
own the roof is. Yeah,okay, so it's not just ten years.
So after ten years, you won'thave any recoverable depreciation, okay,
right, and then it's going tocontinue to depreciate the actual cash value of
that roof down to zero if it'sa twenty year roof, you know,
after ten years. So really whatthey're saying is it's going to be actual

(01:58:42):
cash value eventually. And so youhave a roof, you're gonna pay for
your roof, Yeah, exactly.They think that it's a something that you
should be because well, you know, if you think about it, I
know this doesn't sound like I mean, I don't really like insurance companies,
but really it is more fair.I mean, if you think about it,
most people would keep a roof aslong as they possibly can because they

(01:59:04):
know eventually they'll get a new one. And if you think about it,
to replace a forty year roof ora thirty year roof with a brand new
one because you had a hailstorm,to me, doesn't it doesn't make sense.
I can't believe that it was partof your policy to begin with actual
replacement value. I mean, becauseif you think about it. Who does

(01:59:25):
replacement value? Cars don't do it. I can't think of any other insurance
that does full replacement value. Ican't. That's why I want to talk
to Compass. I want to knowif they have any that they can recall
that does the actual not actual,the full replacement value now actual catch value
ACV. That means really, Idon't know why they put cash in it.

(01:59:48):
They could just call it actual value. What it means is whatever something
is worth is what you get.With car insurance, that's what you get.
Whatever it's worth is what you get. Your car's worth one hundred thousand,
you don't get a replacement for that. You get if it's fifty thousand,
you get fifty. If it's athirty thousand dollars car, you get
fifteen. If it's a few yearsold. I mean, you never get

(02:00:12):
what you paid for it. Butwith roofing, you would get more than
you paid for it in most cases. So I think the whole industry's going
that way. I don't think there'llever be a time in the future you
can get full replacement on a roof. Yeah, I mean, from an
insurance standpoint, it's a it's amuch safer or for the for the insurance
company. Okay, So here's thething. If you go with this kind

(02:00:40):
of roof, then maybe people say, why shouldn't I go with a better
roof, because then I'll have itlonger. The chances of me replacing it
are nil. But you're saying,well, if you have a regular asphalt
roof and have to replace it witha storm because you know you're going to
get a storm within ten years,right, but isn't it still depreciated?

(02:01:01):
It is, but you'll fall withinthe replacement cost value portion of that insurance
policy. What does that mean?So it means that they'll pay the actual
cost to replace the full value ofthe roof. So if it's a twenty
thousand dollars roof and you're you're withinten years, they'll pay you the twenty
thousand, even on a hail packedresistant roof if it was destroyed. But

(02:01:24):
it just doesn't get destroyed and getdisty. I see what you're saying.
So an as fall roof, youwill get full replacement for the first ten
years. Yeah, exactly, somy so in other words, with so,
what they're saying is most roofs willget full replacement for ten years.
Right, but after ten years,yeah, you start getting sadly diminished fast,

(02:01:45):
sadly diminished. Yeah. And sofor me, I'd rather reset that
ten year time clock, right,I get five to seven years? Yeah,
get it go with a sure thingDenver's Best roof of Excel roofing dot
com. You don't pay a centuntil you're content. Time for an insurance
check up free, no obligation comparisoncall Compass Insurance paying too much your coverage

(02:02:08):
at dozens of insurance companies find outnow three all three seven seven to one.
Help. You'll think you're his onlycustomer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three all three
nine two zero sixteen twenty two.Hi Tom Martine here three three seven one

(02:02:30):
three talk seven one three eight twofive five. We tried to get this
person on the show. He hadtexted me on my Google number. And
here's the deal, he says.His credit card company called and reached out
to him about consolidating. They saidthey will reduce what I owe them for

(02:02:56):
a monthly fee. And he's says, but I've always paid on time I
suspect this is some kind of scam. First of all, credit card companies
aren't going to take less money tosettle a debt from people who have been
paying their bills. They're just notgoing to do it. Okay. Now
you say it's your credit card company, but there are many many companies that

(02:03:17):
can sound like your credit card companyand they're not your credit card company.
Okay. I just wouldn't buy it, okay. And consolidation of credit cards
is sometimes a good idea of themath makes sense. If you can actually
get a manageable payment, you won'tbe late, and it lowers your interest
a bit. There's nothing wrong withit, okay, if you can make

(02:03:40):
your payments. But then once youdo that and your credit cards are paid
off through consolidation, then you shouldnot use those credit cards again, because
then you're going to have double thedebt and that's a problem a lot of
people get into. So I amurging you not to do that. Okay.
On other consumer stuff, here ournumbers three oh three seven one three

(02:04:06):
talk three O three seven one threeeight two five five. Let's talk about
the beauty industry, and I'm talkingabout cosmetic surgery and things This is something
I've been meaning to talk about.Believe it or not, gen Zers and

(02:04:27):
people who are younger are saying thatthey want less and less of cosmetic surgery.
Young adults say that they believe thebenefits are not outweighed by the negative
impacts, so they say that theyare shying away from cosmetic surgery and cosmetic

(02:04:50):
procedures. And in fact, ifyou look at statistics, the percentage of
cosmetic surger is going way down andthere's going to be a big gap because
baby boomers and slightly behind baby boomershave been using most of the cosmetic surgery.

(02:05:11):
The facelifts, the brow lifts,the eyelifts, the chin of whatever
gobble gobble get rid of, andall of this stuff has been being used
by a disproportionate portion or section ofthe population. So you have a lot
of this being done by older peoplewho are dying off. The younger people

(02:05:32):
are not buying it now. Fillersare another thing. Some people are going
for fillers and temporary fixes, butcosmetic surgery seems to be on a downward
trend. Well, Tom, that'sbecause they're young. I mean, I
don't think anybody wanted plastic surgery whenthey were young. Let's see what happens

(02:05:53):
to these people when they saw it. I'm saying their opinions, they are
opinions of it. Their opinions arechanging. Whereas I'm saying that even I
know what you're saying, Doc,but the forty and fifty year olds that
had positive, not positive, butnot negative impressions of cosmetic surgery, those

(02:06:16):
people now at that same age groupseem to have more negative opinions of cosmetic
surgery. So I don't know ifpeople think that's good or bad. But
you're saying that they're going to changeas they get older, because they're going
to see that their faces sagging andsay, no matter what I said,

(02:06:38):
I'm going to change. It dependsbecause the attitude usually is what comes first,
and then the behavior. Right,your attitude is, hey, this
is not a bad idea. Apparentlyyounger people have a more negative attitude toward
cosmetic procedures. I mean, atleast that's what this trend seems to be

(02:06:59):
showing on this study. So hereis something else that's important. Again,
things I wanted to talk about.We had slammed lines. Did you know
that? Again? And I keepreferencing, I keep referencing gen Z.
Does anyone know gen Z is age? I keep looking it up. The

(02:07:20):
age range for gen Z is twelveto twenty seven. Okay, so a
lot of adults. But they're youngeradults. Do you know, And I
know you may think interviewing them isnot going to do much, but the
eighteen to twenty seven year olds andeven eighteen to thirty five year olds,

(02:07:41):
guess where their political leanings are going? More conservative? Did you know that?
And this was a deep dive intogen Z adults and just beyond gen
zs that show that a lot ofof them on politics are becoming more moderate
and less liberal in recent years,a shift that comes as and one of

(02:08:05):
the main reasons they cite are economicissues. Now that doesn't mean necessarily they're
extremely conservative. Many of them sociallyare still hold some liberal views, which
isn't a bad thing, I guess, but political ideologies are swinging more towards
center and right than left when itcomes to gen Zers and just beyond gen

(02:08:28):
Zers. They are doing this throughinterviews, downloads and search results and all
of that, saying that people arebecoming more moderate in the younger years.
Now there is a group of peoplebelieve it or not wildly liberal between ages

(02:08:50):
of forty five to fifty four.Now that's not where I would think to
see them, but that is whereresearch is showing three zero three, seven
to one to three talk seven onethree eight two five to five. Now
here's some good news on the UHon deductions. Section one seventy nine is

(02:09:11):
a deduction. You can take lumpsums up to a certain amount. And
right now, UH they used tohave severely not severely, but limited deductions
you could take for certain things.Now, if you make energy improvements to
your buildings, there are going tobe huge tax benefits, huge bet So

(02:09:33):
it's not a credit, it's adeduction, but you don't depreciate it over
years. You can take it ina lump sum. So section one seventy
nine deduction is available not just fornew construction, but additions and improvements if
you can show that the improvements willhelp your energy efficiency, including lights owing

(02:10:00):
to LEDs, HVAC systems, andwater systems. You know hot water systems
and you're building envelope. This isa major change, folks. Now it's
not a tax credit like solar,but you get a lot of deductions in
a lump sum for putting those thingsin your buildings, and that should be

(02:10:22):
a huge incentive for people. Uhthree oh three seven one three eight two
five five. We got more comingup on the Troubleshooter show. Uh.
Petrolleyroofing had to leave, he hadto make it back to the springs.
That's Petrolleyroofing dot com. Remember they'reat seven one nine three seven five eight
seven seven three. Go with asure thing Denver's best roofer Excel Roofing dot

(02:10:43):
com. You don't pay a centuntil you're content. Time for an insurance
checkup free no obligation comparison call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeoh three seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate

(02:11:05):
Man dot com to list your homewith Remax Alliance three oh three nine two
zero sixteen twenty two. Hi TomMartino here, Okay, by the way,
let me see Oh, I wantto answer some of your questions here.
All right, if the roof goesdown in price over years, like

(02:11:28):
you're saying, these scheduling well,here's what we're saying. The new policies
coming out are offering replacement value fora roof for the first ten years only,
and then after ten years it startsto be an actual cash value and
it's valued for its depreciated value,and that's all you're gonna get paid.

(02:11:50):
Okay, So the first ten yearsyou'll get replacement. After that you'll only
get the depreciated value. Now,that was the argument being made by Petroli
to maybe get a regular asphalt roofbecause chances are it will be replaced in
the first ten years, whereas ahail proof roof won't and you may end

(02:12:11):
up fifteen or twenty years later asyou have to replace the roof, it
might cost you the full amount.So that is there's still good roofs and
it might be a foty year roofwhere you don't have to worry about that.
Again, it's something to consider,But insurance companies are going to ten

(02:12:35):
year replacement and then ACV. Someonewants to know will policies go down as
a result of that. The answeris absolutely not. Policies are not going
to go down and has nothing todo with policies. It has to do
with the depreciated value of your roof, not your coverage. Now going over
some of these calls, by theway, and I don't probably have room

(02:12:58):
for another call. If you wantto get one in, you can try.
But there's some things I want tobring up. This one guy that
got a speeding ticket, Okay,he wanted to know about the officer downgrading
that speeding ticket. If he pleadsguilty and pays, then they will just

(02:13:18):
make it a defective vehicle violation insteadof speeding. That's okay. With normal
licensing, it's called masking, andthey often do it. Now your insurance
company may choose to investigate it andsay, now it's really speeding, even
though he said you had a defectivetail light, it's really speeding and charging.

(02:13:39):
But with a CDL, if you'rein a private vehicle but you have
a commercials driver's license, a commercialdriver's license, and you get popped for
speeding, the masking is not allowedat all. You can take the lower
points and you can take the defectivevehicle, but on your CDL it will

(02:14:03):
be listed as a speeding ticket.They will not give you a break on
that. When it comes to commercialdriver's licenses, that's a new federal regulation,
relatively new, and they're going toprobably charge you more as a result,
and you could lose your commercial driver'slicense if you get too many of
them. On some other calls,we had one woman wanted to know about

(02:14:30):
not renewing the lease on her home. Again, this is called just cause.
If you do not want to renewa lease on a tenant, you
have to have a good reason,as somebody brought up. You can a
victim all you want, but theycould take you to court to challenge the
reason. Now, most likely mosttenants won't do that, but that's something

(02:14:54):
to keep in mind. Well,you can hear by the music, we're
almost out of time. I wantto remind you to call three Zo three
mar Artino at any time for help, information and referrals. Three oh three
six two seven eight four sixty six