The Troubleshooter 9-05-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped, you need advice.

Speaker 2 (00:09):
So you don't have.

Speaker 3 (00:12):
Come running Just as fast as you can. Shooter's gonna
help coming.

Speaker 4 (00:19):
This is the Troubleshooter Show.

Speaker 5 (00:22):
No, Tom Martino, Yeah, what is happening?

Speaker 1 (00:27):
I'm Tom Martino and we are here live at the
Mothership today, yep, talking about your problems, questions and complaints.
Every Friday is car Day. Now, let me explain this
to you. That doesn't mean we only talk cars, but
we do talk cars a lot. So if it is

(00:50):
a car related question, problems, questions, complaints, most likely it'll
be covered today and you can call about it, whether
it's sales, service, shopping. And I have a lot to
talk about today. I'm going to go and talk to
a caller right now. And your calls always take precedent.
And the two numbers you can reach us at the

(01:12):
primary number, three oh three Martino. You can call twenty
four to seven and leave your number. We'll get back
to you so you never have to wait on hold.
Well just a few minutes, and then you can call
when we're live on the air here with iHeart three
oh three seven one three talks seven one three eight
two five five been on the air forty five years
in Denver, longest running radio show with the same hosts

(01:33):
still on the air, continuous, and I appreciate you all
being here, but we're gonna talk. We got I got
some very interesting things to talk about with cars. But
I want to take as I said, our callers take priority. Victor. Well,
welcome Victor. What is on your mind today?

Speaker 6 (01:53):
Well, okay, good morning.

Speaker 2 (01:54):
My name is Victorupez, mister miss and mister Martine. Okay,
I hope so, I hope so, and your hands and
you can put this and the news that way, don't it.
Don't happen nothing, okay, to nobody in my family and
the future, to nobody in the in the community.

Speaker 1 (02:11):
Tell me what's happening. Tell me what's happening.

Speaker 2 (02:13):
I'm trying to make a citizen arrest to a man
broken my windshield and in my mir I'm a man
uh five seventy see one hundred and forty five pounds.
This manage two hundred and six pounds. It's a black person,
six set three inches And when the police come in,
I'm trying to correlateter the guy.

Speaker 1 (02:35):
Victor, when did this happen?

Speaker 2 (02:37):
November fifteen, ninety twenty twenty four last year.

Speaker 1 (02:42):
Oh, oh my gosh, hold on November of last year, somebody.
Oh wait wait, Victor, I got to paint the story.
Here the picture. So November of twenty twenty four, you
were aware when this happened?

Speaker 2 (02:57):
Uh? And lick Si lick said avenue in.

Speaker 1 (03:02):
Well, were you at a stop sign? Here's what I
need to know. How did this happen? Did the guy
just walk up and start damaging your car? I mean
tell me the story?

Speaker 2 (03:14):
Yes, yes, yes, yes, But the same guy in October
thirty thirty, that guy hit me in a different car.

Speaker 1 (03:22):
Okay, Ronald Victor, hold on a second, Victor, hold on,
You're not making sense to me, but I want to
hear you. You're telling me that there is a guy
that has it out for you, and twice he damaged
your car. Yes, and the police won't do anything about it.

Speaker 2 (03:43):
No, because I told the police I need to do
your job. In Colorado, lap in Title sixteen is a criminal,
lap is citizen a.

Speaker 1 (03:53):
Risk right if citizens arrest by the way are very
seldom used, although they are part of the law. But Victor, Victor,
I still don't have the story, sir. You got to
help me. Where were you with your car the day
in November twenty twenty five that he hit you. Tell
me where you were.

Speaker 2 (04:14):
At twenty four? I'm a driver, habana or.

Speaker 1 (04:17):
Twenty twenty five? Okay? Or was it twenty four? It
was twenty four in November. Why are I don't even
know why you're still going so in November of twenty
twenty four? Oh yeah, this is twenty five. Okay, so
one almost a year ago. Where were you were you parked?
Were you at a stop sign? Where were you?

Speaker 7 (04:36):
No?

Speaker 2 (04:37):
I driving? I driving in the moment to the driver seat,
me in the back to my car.

Speaker 1 (04:42):
Okay, you were driving and somebody rear ended you?

Speaker 2 (04:46):
Yes, and I told I go almost pull over and
I told the lady changing the information.

Speaker 1 (04:52):
That driver okay, got it.

Speaker 2 (04:53):
That's in your side. The passenger side started arguing with
me and tell me your staf and I arguing with guy.

Speaker 1 (05:00):
How much damage when he rerended you in twenty twenty four?
How much damage was done to your car?

Speaker 2 (05:07):
You don't do it. That dam is completely because I
drive it a hammer. This lady driver a fusion for
fusion two thousand.

Speaker 1 (05:15):
Okay, I'm not I'm not sure why help he's he's driving.

Speaker 8 (05:18):
He's driving a hummer and she had a smaller car,
so he had no damage, very little.

Speaker 2 (05:23):
Yeah, you don't have that nice damage, but even.

Speaker 1 (05:25):
That, what are you okay? Then? Then why are you
calling us?

Speaker 8 (05:29):
If the passenger in the car started arguing with him
and escalated to where he damaged the.

Speaker 1 (05:34):
Car, Okay, hold on, well, Kevin, Hi, Kevin, do you
want to sit over here because something's happening into my brain?
I mean, you got all that for them? Okay. So
the woman rear rended him, she and.

Speaker 8 (05:47):
This guy were exchanging information the past year, got out
of that car and damaged his hummer from the windshield
in the mirror.

Speaker 1 (05:56):
Okay, thank you, Kevin. Sure can you tell me what
the weather will tomorrow?

Speaker 2 (06:00):
It was?

Speaker 7 (06:00):
It was a blue car, Okay, I don't know.

Speaker 1 (06:03):
On November twenty twenty four, you were driving and a
woman rearended you and uh, and then an argument ensued. Okay, yes,
an argument ensued, and then a man in the woman's
car got out and did he take a crowbar or what?

Speaker 2 (06:22):
With a hend broken the mirror and later on with
that big rock broken my meal sheirr my mirror, my wingshield.
So I'm trying to make a citizen at risk it
on my od.

Speaker 1 (06:35):
Okay, but but but all you had to do assume
in small claims court this is not I mean, it's
a crime technically, but a crime is not going to
get you reimbursed. Just take the guy to small claim's court.

Speaker 2 (06:47):
Okay. I don't know how to do this, sir, but
that people make a claim twenty five thousand dollars plane,
this is you need to put it on in the
news because this is a trout in them. You know,
he's not supposed to be half these kind of people.

Speaker 1 (07:03):
Okay, Okay, who okay, Kevin, people.

Speaker 2 (07:06):
Make acclaims and his gig twenty five thousand dollars for
broke windows.

Speaker 1 (07:11):
Wait wait, wait, wait, are you telling me, Victor, and
I'm sorry that I'm having such a problem with this.
Are you telling me that they're coming after you for damages? Yes? Yes?
And the state are they suing you? Are they suing
you for damages?

Speaker 2 (07:29):
I think? Oh, I don't know how, but for one reason,
the investigation for a Rappaho County is saying, you never
touch this guy, you never do it. Nothing. These people
ballet my right.

Speaker 1 (07:41):
I get it, Victor I get it by I.

Speaker 2 (07:46):
Have let me explain your right away. The police ballet
my rights, throwed me in the in the in the
police officer. Now let me use the bathroom.

Speaker 1 (07:54):
Victor, Victor, Victor, Victor, do you understand Victor Victor, help
me out here. I'm going to say this right up front, okay,
and I'm just going to make this very clear. I
want to help you, and I'm listening to your story.
But because this Victor Victor, Wait, Victor, I know you

(08:15):
you're you're frustrated. I understand this, and you're you're dumping
a lot of information on us and and I'm trying
to understand you piece by piece. So you have to
you have to just answer some basic questions. Are you
telling me after this accident, this woman is now suing you?
Or no? No, let's go back to the scene. We're

(08:36):
the police called to the scene back in November of
twenty twenty four, where the police.

Speaker 2 (08:41):
Called, okay, somebody make a phone call.

Speaker 1 (08:44):
Did the police, now, Victor, here's what we need. We
need short answers. Did the police show up to that scene?

Speaker 2 (08:53):
Showed up after after I uh trying to make our
cities and our races Okay, Okay.

Speaker 1 (09:00):
The police showed up and did a report, did they
Did they give that guy a ticket for vandalism? Or
did they charge him with anything?

Speaker 2 (09:10):
No, you don't charge him for anything. He throwed me
if everything?

Speaker 1 (09:15):
So the police, the police did nothing against them at all. Okay,
did the police charge you with anything?

Speaker 2 (09:25):
Yes, the police charm me for attending, like trying to
kill the guy with a hammer or with it.

Speaker 1 (09:30):
Okay, So you were what were you charged? What was
the actual charge? We're getting somewhere down Victory. You don't
have to tell me stories yet until I asked, But
what were you charged with? What were you actually charged with?

Speaker 2 (09:43):
I'm blinding that because I don't do nothing to this
and blow my mind.

Speaker 1 (09:48):
What was the charge? The police charged you with? A
crime with? What? Ay? Was it called? Was is it called?
Was it called menacing? Yeah?

Speaker 2 (10:03):
Something like that. I don't know. I don't I'll be
honest to you. I'm disabled person, I have a Okay.

Speaker 1 (10:09):
Okay, Victor, we don't need all the details right now.
So you were charged. What happened to that charge? Were
you found guilty or did you fight it? Or is
it still going on?

Speaker 2 (10:21):
I fight it next month.

Speaker 1 (10:22):
I need to be until I asked, but what were
you charged with? What were you actually charged with?

Speaker 2 (10:29):
I'm blinding that because I don't do nothing to this
and blow my mind.

Speaker 1 (10:34):
What was the charge? The police charged you with a
crime with?

Speaker 2 (10:39):
What name?

Speaker 1 (10:42):
A felony? Was it called? Was it called was it
called menacing? Yeah?

Speaker 2 (10:50):
Something like that. I don't know. I don't I'll be
honest to you. I'm disabled person, I have a Okay.

Speaker 1 (10:56):
Okay, Victor, we don't need all the details right now.
So you were charged. What happened to that charge? Were
you found guilty or did you fight it? Or is
it still going on?

Speaker 2 (11:07):
I fight it next month? I need to be uh
in six persons or twelve persons decided?

Speaker 1 (11:13):
All right, so it's still Victor the charge and you're
fighting this charge is still going on?

Speaker 2 (11:20):
Yes, going on to next month. I have a coordinate okay.

Speaker 1 (11:24):
And do you have an attorney? Yes?

Speaker 2 (11:26):
I have an attorney oscar Rivea. You don't do it,
nothing about it?

Speaker 1 (11:31):
Okay? Is this attorney? Is this attorney a public defender
or did you hire him or her?

Speaker 2 (11:38):
This attorney is a public defense Okay?

Speaker 1 (11:40):
All right, hold on, I'm gonna come back to you.
So the story. I'll recap.

Speaker 9 (11:46):
I for.

Speaker 1 (11:50):
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Speaker 7 (12:10):
Help.

Speaker 1 (12:10):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martine here, I'll go back
to Victor, but I need to go to my expert first.
From a call from yesterday, his name is Brad O'Brien

(12:32):
O'Brien Legal Services. He's a real estate attorney or an
attorney who emphasizes real estate has practice and it's a
very interesting situation. Teresa, welcome to the show. You called yesterday,
and I remember talking about this because you say that
you helped a friend, and I'm going to bring up

(12:52):
Brad O'Brien so he can listen. Brad, Teresa helped out
a friend get out of foreclosure and she did so
by paying off some penalties and interests and late whatever.
So as a as a result of that, the homeowner

(13:13):
quit claimed the house to Teresa. So Teresa has a
quit claim to to this house. And Teresa, are you
trying to fix it up and sell it?

Speaker 10 (13:25):
Yeah, that's the goal.

Speaker 11 (13:26):
So the homeowner is still on it.

Speaker 12 (13:29):
He added my name to the get it.

Speaker 1 (13:31):
I get it. So he was grateful for what you did.
He added you to the title, and the two of
you are going to fix it up, sell it and
split the money. Is that how you're going to do it?

Speaker 4 (13:43):
Correct?

Speaker 1 (13:43):
Okay. Meanwhile, somehow Brad, some contractor put a lean on
their home because he was pissed off. He wanted to
help this guy and he wanted to get the house.
Is that right, Teresa, Right?

Speaker 11 (13:59):
He just wanted to buy it outright from him, and he.

Speaker 1 (14:02):
Knew the guy was in trouble. He wanted to buy
him out, and he was kind of pissed off that
you got involved and aced him out of the deal.
That's what I'm thinking. He's thinking, I'm going to pick
this up really cheap. It's in foreclosure. So he gets
pissed off and puts a lien on the house for
eighteen grand. There was never a contract, there was never

(14:24):
any work done, is that correct, Teresa?

Speaker 13 (14:26):
Correct?

Speaker 11 (14:27):
And no materials left behind either.

Speaker 1 (14:30):
So well there shouldn't be materials because he never started work,
right right.

Speaker 11 (14:34):
I just wanted to clarify that, because you know, they
can put a mechanical clean saying that their materials are
still on site and all that.

Speaker 1 (14:41):
I get it now, Brad, this is a spurious is
that what they call it lean? When it's or bogus Lean?
Years ago in the nineties, one contractor put leans on
every member of the House in Colorado, not national but
the local the state lawmakers and caused a lot of problems.

(15:06):
And then a lot of activists were doing the same things.
They were going to people's homes they didn't like and
they were putting leans on there. And the state of Colorado,
I believe, actually passed legislation specifically dealing with this. What
does Brad, do you recall that legislation I'm talking about about?

Speaker 14 (15:30):
Uh?

Speaker 12 (15:31):
I started practicing in Colorado in two thousand and seven,
so that I think that was before.

Speaker 1 (15:35):
Yeah, there's a law. There's a law. I looked up,
and these guys if you bring an action to remove
the title. Excuse me the lean and the lean was
spurious or bogus. What they do is they have to
pay attorney's fees and penalties up to one hundred thousand

(15:55):
dollars and it's even considered a crime if they don't
remove it. How do you there is this? Go ahead?

Speaker 12 (16:04):
Brian, there is a spurious Lean statute in Colorado. There's
a thousand dollars fine if if you're get written requests
to remove the lian that's this groundless and they don't
do it. Okay, you can get a thousand plus attorneys fees.
By definition, a mechanics sleen is not a spurious thing.
There's all over things. So I would call this a
groundless mechanics sleans. That's where this is going.

Speaker 1 (16:22):
Yeah, but but that's what that guy did years ago.
So when you say so, you don't think this would
be covered by the statute for legal sees.

Speaker 12 (16:32):
No, No, mechanics leens do not fall into the spurious
Lean statute.

Speaker 1 (16:36):
Really, that's odd since the whole legislation came about as
a result of a mechanic sleen.

Speaker 12 (16:43):
Really, well, there's a whole entire mechanics sleen Act with
several statutes, and so if the mechanics thing you listen
to that the spurious I get it, I get it?

Speaker 1 (16:53):
Okay, okay, good. Now does do you know the mechanics
lean statute? If it provides for attorney's fees? Do you know?

Speaker 5 (17:02):
No?

Speaker 12 (17:02):
It does not. Do you have to have attorney fees
by contract?

Speaker 1 (17:06):
Okay?

Speaker 12 (17:06):
In your contract with the contractor?

Speaker 1 (17:08):
What does she do? What's the quickest, easiest way to
remove a lien that's bogus?

Speaker 12 (17:13):
Well, you get whoror filed it to file a beliefs.

Speaker 1 (17:16):
And if the person says, Teresa, did you ask this
person to remove the lean?

Speaker 11 (17:23):
I have called him and I have texted him without
any results, no response back.

Speaker 1 (17:29):
Okay. And what is the easy use way, Brad? If
there's a lean that suddenly shows up and you know
it's bogus, what do you do?

Speaker 12 (17:40):
Well, if you cannot get the who refiled it to
file a release, which is truly the easiest quickestness of course,
of course, then you only have two other alternatives. Both
both are Court Number one is bond over the lean
where you post in the it's a course, it's a
limited preproceeding where you you post about, you're actually cash
in any amount of one and a half times the

(18:01):
lean amount to remove the line from the property. And
then then the lien gets moved from the property to
that cass's that's depositive or or credit letter of credit
that's to positive with the court. That's called bonding over.

Speaker 1 (18:13):
And if you bond over, as I remember, Brad, if
you bond over, you can then sell the house and
do anything you want to the house, but this bond
has to remain in place until it's settled. Is that
right correct? Okay?

Speaker 12 (18:26):
So the other court way, which is what you would
most often do, is file a court action, the quiet
tile action, to have the court invalidate the lean in
the court court order extinguishing the lian.

Speaker 1 (18:39):
What is a quiet title action, Well, it.

Speaker 12 (18:43):
Is a it's a court case where you file a complaint, uh,
and then the complaint you say, here's this lane, it's
groundless and you and you request the court to extinguish
it because it's the groundless linking.

Speaker 1 (18:56):
And what would the court what would the court need
to extinguish it other than me saying is bogus? Would
they ask the defendant to provide proof? Would the defendant
have to show why the lien was put on there.

Speaker 12 (19:09):
Well, the defendant who are recorded a lean would have
an opportunity to defend that court complaint and say why
this is a valid lien, And then the plaintiffs who
filed the complaint for this quiet title action would have
their opportunity to explain evidence why it is a groundless lean.

Speaker 1 (19:30):
Do you know, Brad, in your experience when someone does
file a quiet title action, do these people usually is
that usually grounds enough? I guess maybe I'm asking have
you ever handled cases like this where when you file
a quiet title action the person who does the lien
says forget it and they remove it? Or are they

(19:52):
usually stubborn? Do you know? Have you ever handled these?

Speaker 12 (19:56):
In my experience, roughly half the time the defendant never
even answers, so you fortunately get a default judgment, and
that can take like three months just to get that default.
But if I do answer and want to contest it, well,
your question was whether they just give up, and.

Speaker 1 (20:10):
You said half the time they don't show up. That's
giving up. I think, so that's good.

Speaker 12 (20:14):
Yeah, yeah, now yeah, But your question was whether they
would would actually get to serve with the complaint right
give up that That doesn't happen too much in my
opinion and my experience, because people who are so I
don't know people who would file the lead.

Speaker 7 (20:30):
In the first place.

Speaker 1 (20:31):
Motivated people motivated by anger.

Speaker 12 (20:33):
Not going to give up that easily.

Speaker 1 (20:35):
Okay, all right, But if they don't show up, they've
given up. That would help. So I I think, Teresa,
no matter what, you're going to have to do a
quiet title action.

Speaker 15 (20:48):
Sound like it.

Speaker 11 (20:49):
So what do I do with my next step? Do
I need to hire an attorney for that? Or can
I go file some doctors.

Speaker 1 (20:56):
It's going to be I think it's too difficult to
try to do on your own. I really do. And Brad,
even though there's not a statute specifically calling for attorney's
fees or a contract, if it turned out to be
totally groundless, could she make a petition to the court
to grant attorney's fees.

Speaker 12 (21:16):
Well, there's a statute that the groundless and frivolous statute
where if somebody brings the complaint or defense, the complaint
and the and their side of the case is groundless
and is lacks substantial justification, affords frivolous and that's where
a court can grant attorney's fees to the winner. It's
really hard to get that though. That is truly devoid

(21:38):
of any of any essence of fact. There must be
absolutely nothing. They're absolutely frivolous, just out of the blue.

Speaker 1 (21:45):
Okay, so on it. That's possible, Teresa, You're gonna need
an attorney. Uh and and if you're looking O'Brien Legal
Services at seven two zero three seven zero seventy three
eighty eight, Yeah, that's what it's going to require. By

(22:06):
the way, speaking of real estate, Frank Durand the real
estate man will do an analysis of your property to
see what it will sell for without even hiring him.
He'll do this as a free community service. So many
people are wondering what's going on in this market. It's
softened a little, there's a lot of inventory. Where does
my house stand. He'll do a complete analysis of your house,
the neighborhood, supply and demand, interest rates in all of

(22:29):
the factors and give you a realistic price of what
he thinks she'll net. And he's pretty damn accurate. Frank
Durand the Realestateman dot com three h three nine two
zero sixteen twenty two. Go with a sure thing Denver's
Best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up free,

(22:54):
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance Go but he's find
out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino here, Welcome to the show.

(23:17):
Kevin Caulkin from Shared and Auto Tech, Jeff Vick from
Camera Transmissions. We're today's car Day. We'll get to that.
But uh, here's the deal. Where is uh? Where's the
other guy who's going to take Where is the Victor?

Speaker 14 (23:31):
Victor so Victor so Joelizara is not available, so I
rescheduled him for Monday.

Speaker 1 (23:37):
Oh I, but I do want to fit If you
have Victor's number, I want to at least get a
full understanding of the problem. Okay, So if you can Meanwhile,
one of the main topics of today's show. Since it's
my show I can do. This is if I should
replace my car and what should I replace it with?

(23:59):
And we all asked that question to ourselves. I contend
that most people replace their cars when they don't really
need to. That's my can I don't know if that's
true or not. I don't know any surveys. There are
very few people. Okay, here are the ones that are necessities.

(24:19):
You're in an accident, you get paid by insurance, they
totaled your car. The next one would be your car
just got old and died. The next one is there
is a serious issue with the car and you no
longer want it. So these are people that need to
replace their car, you know, they just need to. But

(24:44):
very few people need to replace a car. Would you
guys all agree with that the need?

Speaker 8 (24:51):
I mean, yeah, but we see it, you know, I mean,
because we both do heavy repairs. So if you're you know,
your fifteen year old, two hundred thousand miles car needs
an engine.

Speaker 7 (24:59):
You're going to get an You're going to get a
new car.

Speaker 1 (25:01):
That's what I mean. A very few. If you look
at the market in general, people walking into car dealerships.

Speaker 8 (25:07):
To if they're spending more money keeping cars going now than.

Speaker 1 (25:13):
When people walk in to buy a car. Don't you
think if you took that universe of people, most of
them are doing it simply out of desire, not need
Think about it. Think about one hundred people walking into
a dealership. How many of those truly need to replace
their car? Need to? I don't think the majority. I would,

(25:36):
I would bet you on it. I mean, I have
no stats.

Speaker 16 (25:41):
Yeah, I think necessity drives it more than it does
an actual want. I mean, but our perspective, perspective is
a little bit gated.

Speaker 1 (25:50):
I only see that end of it. That's all you see,
people getting rid of their cars because they're pieces of crap.
But I would say, and i'd love I don't have to.
I don't do the polls on YouTube. But is Mark
on today? By the way, I don't think he is,
but otherwise he'd be flapping. But I want to know, truly,

(26:10):
I want to know what basically is the reason most
people going to buy a car. I think it's out
of desire, and I think a good number of people
need to replace the car. But really think about it.
If you really they might say I need to, But

(26:31):
look at the I watch people buying cars. I watch
people calling call me and let me know, or or YouTubers.
I don't I don't know how to put up a survey.
I haven't really done it. Just comment in the chat box.
Do you think? Do you? I'm going to write it out.
Think most people buy new cars. And I don't mean

(26:54):
new cars, you know newer cars. New cars do to
need or design. I okay, So i want to go
back to Victor, and then I'm going to talk about
my dilemma because I just think I'm a bored old
man who had a brush with death and wants to
spice up his life. This is what I'm thinking. I

(27:16):
can recognize it. I actually recognize it in me. I
sat down on my set of drums the other day.
I'm looking for cars. I even thought about a puppy,
all of these things, which my wife.

Speaker 7 (27:27):
Says, no thinking about a puppy.

Speaker 1 (27:30):
What's that?

Speaker 16 (27:31):
There should be no thinking about a puppy. I mean
I should just a puppy.

Speaker 1 (27:34):
Yeah, But Stephanie said, it's the puppy or me, And
I'm thinking, hold, I'm Victor, Okay, let me summarize this,
and I think we got to handle on this November
of twenty twenty four, you were driving and a woman
rear ended you. An argument. An argument ensued, and the
man riding with the woman got out and vandalized your car.

(27:57):
The police showed up, but for some reason, Victor was
charged with a felony, probably menacing, saying something about a hammer.
What did the police say? Did they say you were
threatening the man with a hammer?

Speaker 17 (28:12):
Yeah?

Speaker 1 (28:13):
Okay, were you?

Speaker 2 (28:17):
No? I tried to make a citizen a risk. He's
a title sixteenth Colorado Criminals. Uh lap, oh gosh three?

Speaker 1 (28:26):
Okay, okay, Victor, Victor, did you have a hammer in
your hand?

Speaker 2 (28:32):
No, I have a hammer driver a car driver hammer
hammer car.

Speaker 1 (28:38):
Oh oh okay, So they said, wait a minute, Yeah,
there's a miscommunication. Tom.

Speaker 18 (28:44):
I don't know really have to say there was a
hammer involved. He was talking about his Hummer automobile.

Speaker 1 (28:49):
Okay, Now, how did they say that you threaten the man?
Because I trying to arrest him. Arrest I get it.

Speaker 2 (28:59):
Yeah, trying to corral later the guy in full of
the guy because the guys have a gun and I
can get up from my car hold on before having it.

Speaker 1 (29:09):
Did the other man? Did the other man get charged?
With anything. Nothing.

Speaker 17 (29:14):
No, No, okay.

Speaker 1 (29:16):
Now what I want to know is this. Have you
been fighting this charge the whole time? Has it gone
to trial?

Speaker 2 (29:24):
Yes, but my lawyer told me, don't talk to nobody,
don't tell them nobody.

Speaker 1 (29:28):
Okay, But here's what I want to know. Did you
plead guilty or not guilty?

Speaker 2 (29:32):
No, I'm not guilty. I'm not going to play guilty
for son.

Speaker 1 (29:35):
Did your attorney what did your attorney tell you to do?

Speaker 2 (29:40):
My attorney told me, don't talk to nobody. Okay, I'm
telling nobody, but UK don't talk to nobody.

Speaker 1 (29:48):
No, I get that. I get that. But did your
attorney say you could win.

Speaker 2 (29:52):
Sign him for dee, sign him for these? And I
told him, if you're not guilty, do you sign it?

Speaker 17 (29:59):
I it's better for you.

Speaker 2 (30:00):
You sign me because I'm not going to Victor.

Speaker 1 (30:03):
Okay, Victor, that's what I'm asking, That's what I'm asking.
Did your attorney want you to plead guilty?

Speaker 19 (30:12):
Yes?

Speaker 1 (30:13):
Okay, And you don't agree with that right?

Speaker 2 (30:17):
No, because he's trying to convey to me.

Speaker 1 (30:19):
I get it. I get it now, Victor, where does
it stand right now? Have you been to court on this?
Did you plead not guilty or did it go to
trial and where you found guilty? Where does it stand today?

Speaker 2 (30:33):
He's trying to take me to to to the Grand
Jerry or whatever.

Speaker 1 (30:38):
When dyke grand Jerry.

Speaker 2 (30:40):
Yes, when an investigation say you don't do nothing to
this person. So it's supposed to be graphic the chargers immedately.

Speaker 1 (30:50):
Do you think the charges will be dropped? Yes?

Speaker 2 (30:55):
First, I'm American citizen, American Indians from this lap. This
is my love. These people trying to do practice over
to people in here in the United States, not only
in Denver, in the old United States. Okay, Donald Trumps
have money. United States needs money, but you don't need

(31:17):
do not a victory Trump it.

Speaker 1 (31:19):
Victor, Are you still trying to arrest this man for yes?
Well yes, Victor. If that's not that's not the route
you should take. Okay, that's the wrong route. I'm just
telling you, no.

Speaker 2 (31:32):
No, no, not trying to rest and these men. I'm
trying to take it out that the charges for me
and the police rising these men for.

Speaker 1 (31:44):
Listen, Victor, Victor, here's what I'm saying to you, and
I'm gonna come back to you. Going after this man
for a crime is useless. Don't do it. Don't do it.
There is a very simple solution to this problem. Go
with a sure thing Denver's best roofer Excel Roofing dot com.

(32:05):
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation comparison call Compass
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to one. Help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com

(32:26):
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martine here,
Welcome to the show. We are kicking butt for people.
By the way, speaking of kicking butt, seriously, now fix
it twenty four to seven. We'll give you free second

(32:47):
opinions on any replacement, and most of the time they
go out and find out it doesn't have to be replaced. Seriously.
That's why their name is fixed Fix Myhome dot com
book Now. Get a free second opinion Fix my home
dot com book now. So, Victor, Here's what I believe. Okay,
and you may disagree. Don't waste your time trying to

(33:08):
go after someone. Don't waste your time trying to get
someone arrested or criminal charges. It will not help you
recoup your damages. What I suggest you do is you
sue this guy in small claims court for damages to
your car. What were the monetary damages of your car?
How much did it cost you to fix it?

Speaker 2 (33:30):
No, I'm trying to sue that state Colorado in the
police department.

Speaker 1 (33:34):
Okay, by Victor, how are you going to do that?
How are you going to do Do you know how
much it'll cost you to sue the state of Colorado
and the police department for violating your rights? Take a guess.
What do you think is going to cost you?

Speaker 19 (33:48):
What?

Speaker 1 (33:48):
Tell me what you think?

Speaker 2 (33:50):
I shop, I stop bleeding in my personal A line.

Speaker 1 (33:53):
I am asking you, Victor, how much do you think
it will cost you to sue the date and the
police department. I'm asking you what do you think it
will cost you?

Speaker 2 (34:06):
I don't know, I don't know.

Speaker 1 (34:09):
Let me tell you. Let me tell you seventy five
thousand dollars to get to the courtroom. Seventy five thousand dollars.
I am such an expert at lawsuits. I'm serious. You
will spend no less than seventy five thousand dollars. Do
you have seventy five thousand dollars to spend?

Speaker 2 (34:30):
I don't have seventy thousand dollars to spend. But it's
supposed to be a lawyer helping me, and no.

Speaker 1 (34:38):
Public defenders are not going to help. Public defenders will
not help you sue people.

Speaker 2 (34:43):
I don't want a public defenders. Who do you want defender?
I want to see say I can defend myself like
a lawyer beginning.

Speaker 1 (34:50):
Okay, Okay, so you're gonna do it. Okay, if you
do it yourself, it won't cost you seventy five dollars.
I seventy five thousand dollars. If you do it yourself,
you can probably do it for filing fees, and you
can probably get it done for a thousand or under.
But I'm going to tell you something. You're going nowhere, victor,
You're going nowhere. You will lose at every turn. You're

(35:12):
gonna lose. Okay. I love being honest with people instead
of just sitting around bsing. You will lose more. Coming up,
go with a sure thing. Denver's best roofer Excel roofing
dot com. You don't pay a cent until you're contenth

(35:32):
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com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 19 (36:00):
You.

Speaker 1 (36:02):
Don't have.

Speaker 19 (36:06):
Just as fast as we.

Speaker 3 (36:07):
Can, Shooter's gonna help.

Speaker 4 (36:10):
Come man, This is the Troubleshooter Show.

Speaker 5 (36:15):
Now, Tom Martino, Hey, Tom Martino, Welcome to this show
where we are solving your problems if we can, or
telling you where to go.

Speaker 1 (36:26):
Well, let me put that in another way, what to do?
You know? There's a trend in our calls that we
get on this show. We have a number of trends
that that we follow. One one is mentally mental illness
mental illness. I never make fun of people, but some
people call here and you can tell they're mentally ill, okay,

(36:50):
and and they want me to help. They trust me,
and I try to get through to them that they
might need some help other than the consumer the perceived
consumer problem. Many times they feel some of the things
that have come in common over the years. Truly with
my mentally ill listeners, all of them feel like someone

(37:11):
is out to get them. Now that someone or could
be a party like a government, could be an entity,
a company, it could be a person, it could be
people unknown, but someone's out to get them. And this
is common to everyone. They're being spied on. They're either

(37:36):
being spied on through implants that were put in their
body or helicopters or some kind of technology, and they're
being spot on. I'm not making fun of people. I'm
telling you over the years, I'm looking at my stats here.
They also feel like they need to sue or go
after people. Their entire life is taken up by this.

(37:58):
Now in most of these or they have an illness.
One of the more common illnesses over the years we've
had is called more gallons disease, where people feel burrowing
under the skin. They feel like gnats or some kind
of parasite has burrowed under their skin and spreads around

(38:22):
their body haphazardly. Some of them have scratched so much
that they've made their skin raw. Others have tried to burn.
They get so desperate they use lighters to burn, or
soldering irons, and they inflict much pain on themselves. It's
more gallons disease. Another one is chronic fatigue syndrome. And

(38:43):
again when I talk about this, I'll get a ton
of people say, how dare you say chronic fatigue syndrome
is mental illness. I'm not saying it is. What I'm
saying is that there are many, many, many, many, many, many, many,
many many cases of chronic fatigue, which is a result.
I don't believe there's anything as psychosomatic, by the way,

(39:04):
because if it's real enough to cause symptoms, it's real.
But in most of these cases chronic fatigue, people will
call and I'll always ask what happened to them? When
did this come on? And it's always usually associated with
some emotional event in their life, a divorce, a breakup,
victim of a crime, or something happened to them. They

(39:26):
were fired from their job, some life changing event, and
afterwards they had this chronic fatigue syndrome. And again, now
some of them have Some of the mental little callers
that call me have environmental sensitivities. They feel like there
are odors or chemicals or something in their apartment or

(39:47):
mold especially this is another one, and they feel like
they're being killed by this. So mental illness is one
big category. Another category I get our crusaders. These are
the people like Victor who will spend their whole life
on one incident that happened to them, trying to get

(40:09):
back at the government and or at somebody, and they
literally spend their whole life and they try to find
an attorney for some reason. There's this notion that attorneys
will take a case if it's a good case, that
that only happens with personal injury, and personal injury could
be extended to medical malpractice. But the bottom line is

(40:36):
attorneys don't take cases free unless it is such a
giant award at the end and it's a pretty short
case or a pretty sure bet they're going to get it. Okay,
Jack's calling in. I think I know Jack, and I
read his email about this car, and I want to
talk about it and Jack, so listen, I read you email,

(41:00):
but no one else has, so explain in a nutshell
what's going on with your case? Jack?

Speaker 19 (41:06):
Hey, Tom, great to hear from you.

Speaker 1 (41:08):
You look great, Thank you man.

Speaker 19 (41:10):
What are you giving updates? So I had purchased a
car online from an online dealer.

Speaker 7 (41:19):
Is a is a newer.

Speaker 19 (41:20):
Car, twenty twenty four with like six thousand miles on it.

Speaker 1 (41:22):
Yeah, and it's a twenty twenty four BMWM four.

Speaker 19 (41:28):
And for competition.

Speaker 2 (41:29):
Yeah.

Speaker 19 (41:29):
So the car that I've been looking at for a
while when was in negotiation on several and settled on
this one, went through an inspection and everything, and took
delivery of the car and right away, I mean, it's
obvious there's a problems with it.

Speaker 1 (41:44):
What's the what's the name of the dealer. What's the
name of the dealer? Jack?

Speaker 17 (41:48):
It was?

Speaker 19 (41:49):
It was called west State Automotive, west State west State
Motorsports is what it was. Okay, so it is a
car car out of Washington, Okay, but low miles, still
under warranty. All that was inspected forty point inspection blah blah.

Speaker 1 (42:05):
And you did the sight un you got a sight unseen, right?

Speaker 7 (42:09):
Yeah?

Speaker 19 (42:09):
Yeah, And I've done that my whole life, you know.

Speaker 1 (42:12):
I mean, I know people people do that. A lot
of people have somebody go to the location and look
at it. But but you pretty much trusted the dealer
and the representations made online.

Speaker 19 (42:22):
Right, Yeah, I had the inspection done, had had a
bunch of pictures low miles under warranty.

Speaker 1 (42:29):
Who did the inspection? Who did the inspection for you?

Speaker 19 (42:33):
I'll have to go look, okay, some.

Speaker 1 (42:35):
Thirty okay recommend And so you took you actually did
took delivery.

Speaker 19 (42:41):
I took delivery of that car on my three year
wedding anniversary.

Speaker 7 (42:45):
So he can say hi to Megan.

Speaker 1 (42:47):
Hello Meg.

Speaker 19 (42:48):
But uh so, uh yeah. So then the day after
I got into go to work, lots of clunking got
on Santa Fe you know, highway started rattling like crazy.
Took immediately to Ralph Schamp, got an inspection and what
they found in there was was upwards of twenty thousand
dollars in damage, with the oil leaks everywhere, missing bolts,

(43:11):
The engine had been out of the car, a crushed
motor mount.

Speaker 1 (43:14):
I mean it was in a major collision.

Speaker 17 (43:18):
Well they don't think so.

Speaker 19 (43:19):
I think it was an engine tuning thing or something
like that. All the bolts on the on the all
the factory bolts on the side panels minus the bumper
were off, and there was some there was some aftermarket
carbon fiber put in, so they assume.

Speaker 1 (43:34):
Why do you think your inspector up there, the Independent
did not find these things.

Speaker 19 (43:41):
That we're still trying to find out. It just happened
a couple of days ago, and I've got emails into
them and I'll probably copy you on some of those.
The good news is it may not even be relevant.
I had sent an email to the dealership about what
was going on. I had copied you, yes, and a
lawyer that friend of mine, and right away there there there.

Speaker 17 (44:03):
You know I mentioned anything.

Speaker 19 (44:04):
You have a nationally syndicated yet when you help people
like me and I don't want to go this route,
but to please make it right. Within ten minutes the
guy called. So they don't want anything going on here.
They'll gladly take the car back and it's a happy ending.

Speaker 17 (44:17):
I mean they they they stand by that it was
wow did by.

Speaker 19 (44:20):
A third party, blah blah blah. But they took the
car back, unwound the entire deal, and they picked it up,
shifted back. No charge to me at all.

Speaker 1 (44:28):
Jack. That is a wonderful Kate.

Speaker 19 (44:31):
What was a night What was a nightmare and could
have been a long Nightmare ends up being a pretty
good experience and trustworthy, So you know that's just the threat.

Speaker 1 (44:39):
Do you think no, no, I get it. Man, Hey Jack,
do you think it was? And guys, I want I
want your opinion. Do you think these problems were easily
discoverable and they should have known about it or do
you think that they were pretty well duped like you were?

Speaker 8 (44:54):
Maybe bien this well, especially with the aftermarket stuff, that
should have been very obvious to anybody doing a proper inspection.

Speaker 7 (45:02):
Kind of sounds like a simple test drive.

Speaker 1 (45:03):
They should have called.

Speaker 19 (45:06):
Even driving that thing six feet from my driveway, you know,
from my garage into my driveway, the clunking, I mean,
it would have been obvious for anybody to.

Speaker 7 (45:14):
Agree, you know, once you got in there and.

Speaker 19 (45:16):
Looked at oil leaks.

Speaker 8 (45:17):
And if they were wanting to find stuff or just
rubber stamping.

Speaker 1 (45:20):
Now, Jack, Jack, this is a good topic. By the way,
since we're talking about cars. You love Beamers, right, you
like them? I do what what was the highest mile
age you've ever kept on a Beamer? I'm just curious
so you personally when you drive.

Speaker 19 (45:34):
I mean that's I had an M eight competition previously.
It was probably the best car I've owned other than
a ninety one YJ did Jeep.

Speaker 17 (45:43):
But the.

Speaker 19 (45:46):
I don't know, forty five thousand miles before, right, Okay,
warranty with inspiration are close to it.

Speaker 1 (45:51):
Yeah, that's see these guys and the inmate's a beautiful car.
These guys are saying that you should and that's what
you do. You should get rid of your Beamer at
forty five or fifty thousand miles. And and they're saying
Mercedes the same thing. That they might be nice new
and they certainly looked beautiful. They can be problems, but

(46:12):
this is great news that you were able to rescind it.
Have you sent the car back?

Speaker 19 (46:17):
Yeah, they came and picked it up. The truck came
and picked it up this morning. And that's why I
waited to call you. Just wow, they giving an update
on that, because I know you saw some emails going
back and forth.

Speaker 1 (46:26):
I did, and I was wondering about them. I mean,
because look, I have purchased cars sight and seen myself
through some very respectable online dealers and and and a
lot of people do that and they have or they
have a they have an inspection done up by a
third party like you did, and they do it without problems.

Speaker 16 (46:48):
And it sounds like his third party inspectors who's got
the biggest issue with.

Speaker 1 (46:53):
That's what I think. I mean, how the hell did
that happen?

Speaker 13 (46:56):
I don't know if that was.

Speaker 19 (46:59):
They picked this car up, if they took the car back.

Speaker 1 (47:01):
Do you know if they picked the car up at
an auction or was it traded? Do you know.

Speaker 19 (47:06):
That? I know they you know they were not forthcoming.
But with the low and miles, it's a lesson learned
from me. I've probably had ten or fifteen car deals
then remotely, and that was a lesson learned to.

Speaker 1 (47:17):
Uh yeah, Jack, I got a question. I don't I
don't mean to. I don't mean to start something here,
but your range Rover do you still have it?

Speaker 7 (47:28):
It's a land Rover Defender.

Speaker 1 (47:29):
Not land Rover. I'm sorry. They're very beautiful car.

Speaker 7 (47:32):
Incredible car.

Speaker 1 (47:33):
Wait wait, incredible car. You're not having any trouble with it.

Speaker 19 (47:39):
The only issue we've had with it has been a
sun roof switch, which they fixed U. Other than that,
it's got forty seven thousand miles. Really not a single
problem with it.

Speaker 1 (47:48):
Knock on wood, Really, do you think they've improved then
over the years. I mean, because land Rover has such
a bad reputation. Jack, you had to have known about
the reputation of land Rover before you bought it, right.

Speaker 19 (48:01):
Yeah, yeah, I mean they're beautiful, but they are beautiful.
But i've in this case, we haven't had any issues
with it other than the sun roof. And Megan absolutely
loves it and she wants another one.

Speaker 1 (48:16):
Holy crap, thanks Jack or Hammy as we call them.
And and so I don't know, guys, what do you think.
I'm still hearing the land Rover still has a bunch
of problems.

Speaker 8 (48:25):
But well, it's like any European if you can buy it,
keep it with the warranties everything else, and as soon
as warranties are expiring, run.

Speaker 1 (48:32):
They're pretty. They're pretty cars.

Speaker 7 (48:34):
They're beautiful cars.

Speaker 1 (48:37):
English mad, Oh god forbid, I'm British cars.

Speaker 7 (48:41):
They just took the tea and crumpets.

Speaker 1 (48:43):
But he said they haven't had a problem, not a problem.

Speaker 7 (48:48):
But it looks lucky.

Speaker 1 (48:50):
But I just looked them up and they're one of
the most troubled laden cars on the market right now.

Speaker 8 (48:56):
Especially people who buy them after market thinking they're getting
a good car.

Speaker 1 (48:59):
You mean to use one, yeah, yeah, yeah, now buying new,
keeping it under warranty, getting rid of it, that's probably
the way to go. And uh again leasing also because
leasing you never get hurt with depreciation. And I've changed
my mind completely on leasing leasing. I mean, if you
can stay within the terms of a lease, I don't

(49:19):
see a downside at all, because you you have a
ready made buyer if you want it, you know, or
or ready made trade or ready made turned back and
walk away. And if you want to buy it, if
it turns out that the car kept value and is
a great deal, you can buy a used car from yourself.

Speaker 7 (49:39):
Where the prices just go cross.

Speaker 1 (49:40):
Evs are the worst investments as far as the actual
price and depreciation. But leasing for evs you got to
find the right leasing companies. A lot of ev A
lot of companies if you lease in EV give you
very poor residuals. So if you're going to go with
a a lease like a Tesla, you go with the

(50:01):
test company because they know they can get rid of them.
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(50:24):
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(50:45):
until you're content. Time for an insurance check up free,
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your coverage at dozens of insurance companies find out now
three oh three, seven seven and one help. You'll think
you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with

(51:06):
Remax Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Martine here three A three seven one three
talks seven one three eight two five five. So what
is on your mind? I'll tell you what's on my mind, okay.
I I contend that most people replace cars out of

(51:30):
desire more than need what is the need. A need
would be, you know it's not worth investing in this
car because it's old, an accident, car's total or you're
getting up on mileage. There's nothing wrong with the car,
but you know, damn well, you know it's got one
hundred and fifty thousand miles or two hundred thousand, or

(51:51):
even ninety nine thousand, and you just want to start
looking around. I call that a need.

Speaker 8 (51:57):
But sometimes you had a kid on, you know, you
younger driver coming up, so you give me your car
and you replace yours, and you know, all kinds of
situations and better.

Speaker 7 (52:05):
I think it's mostly need, still.

Speaker 1 (52:07):
That's what you think. I think it's mostly desire. I
think if you talk to people, ten people walking into
a dealership, maybe two of them might have a need.
But there is no really cold, hard statistics on that.
But I just maybe I'm thinking of myself because I
don't think I've ever bought a car of need. Purchase
them because I get bored, I do. I think that

(52:30):
that's why I'm an excellent candidate for a lease, because
I get bored after two years, maybe three on the outside,
and then I just want to change. Although if I objectively.
Look at the cars that I have. There's nothing wrong
with them. There's literally nothing wrong with them. You start
feeling like there's things wrong, a little nick here or there,

(52:51):
a little wheel scuff, and you start talking yourself into it.
But I think nowadays one of the biggest deals that
I'm facing is I love technology. I really do. I
love technology with computers, with all the stuff. Everything we're
doing is technology. What pisses me off a little with
technology is when something is so complicated, even though you

(53:14):
know how to use it, when you go back to
change something on it three or four months later, it's
almost like you have to relearn the entire system because
you have so many you know, we have so many
things in our house, Like right now, I have so
many intense technology laden products in my home. Okay, everything

(53:35):
from a roomba, which is simply a vacuum, to a
what they call a bespoke washer dryer combo, which by
the way, has twenty different cycles including dry cleaning. You
can take a sweater. I took some wool sweaters and

(53:56):
you put them in and you put it on wool
dry cleaning. It steams them, it sanitizes them, and it
delivers to you a slightly damp sweater or three or
four slightly damp because they then tell you to lay
them out on a table. Okay, so that's the and

(54:16):
they're perfect. One of them I wanted to wear sooner
than laying it out on the towel might take. Laying
it out on a towel might take a day, but
I wanted to wear one a little sooner. So I thought,
I'm going to put it in this dryer and just
put it on a very light dry, very very light,
and I got a baby sweater. Now it's it's literally

(54:40):
a baby sweater. You're than the dryer. No, no, they say,
don't ever dry these wool sweaters. So but if you
do it properly, you dry clean them. They all I
also put in beautiful slacks, I've put in shirts. I
told my wife that we're saving money dry cleaning. Here's
how dry cleaning is weird. You can get a sweater

(55:00):
on sales, sometimes for forty bucks, forty five bucks, sometimes
even cheaper, it depends. And I'm talking about one well beautiful,
lightweight sweater that's good for four seasons in Colorado, or
at least three. And you can buy them. You can
buy Jay Crue, you can buy Men's Warehouse, you can
buy you know, you can buy some beautiful sweaters that
are pretty inexpensive. You go to dry clean them. They're twelve bucks.

(55:24):
So you dry clean them three times, you should buy
a new one. I mean, it's really gotten to a point.
What do you do? Throw them away? I mean, but
they need to be dry cleaned. So that's one of
the reasons I got this. You throw these things in
the dry clean cycle. And it's amazing. It is amazing
what it does. Shirts no longer have to I never

(55:47):
have to longder shirts anymore. And it really does a
pretty good job. It's called Bespoke. Now they make other
I imagine other that's a Samsung, but I imagine other companies
have come out with it. Okay, but this piece of technology,
oh my god. The learning curve on it what you
have to do, and then it texts you as to

(56:07):
what it's doing, so you get a texture. You're now
entering the dry cycle like I give it, damn, you know,
and it texts you. But Deputy d here Dmitri, he
is a big believer that everyone in the world is
spying on you. For a reason, not the mentally ill
kind of spying, but he means he means like technology wise.

(56:30):
He once asked me, why does your TV have to
know this and this? Why do you have to enter
that information has nothing to do with the TV? Well, Dmitri,
you would die if you heard what this washer dryer
wanted to know about me.

Speaker 7 (56:45):
I can't wait.

Speaker 1 (56:46):
Your TV.

Speaker 18 (56:47):
By the way, Tom, I was there when you set
it up, right, He wanted to know your birth date.

Speaker 7 (56:51):
Why do you.

Speaker 1 (56:52):
Think that is to market to me right now?

Speaker 6 (56:54):
Well?

Speaker 18 (56:54):
Yeah, yeah, that TV knows what you're doing.

Speaker 1 (56:58):
Oh do you believe the T is listening to me?

Speaker 7 (57:01):
Absolutely?

Speaker 18 (57:02):
Come on, Tom, there's the one of the best known
TV manufacturers.

Speaker 1 (57:07):
That Samson's.

Speaker 7 (57:08):
Well, do you really want to tell you the brand?

Speaker 1 (57:10):
I don't care LG. Yeah, what about they.

Speaker 18 (57:12):
Lose money on every television they sell in the United States.
They lose money on every TV because they make it
up on the other end.

Speaker 1 (57:21):
On selling information. Yes, well, years and years ago, years
and years ago, there was a book written I think
his first name was Michael Nesbit out of Boulder called
Mega Trends. This was many years ago and it was
the first time ever I've heard this said this was

(57:45):
It was so many years ago that I followed this guy,
and I followed his books, and I followed what he said.
He said the commodity and currency of the future. Now
remember I'm talking thirty or forty years ago this book.
I think I better look at up before I say it,
but look up Mega Trends the book. Anyway, he said
the number one commodity and currency would be information. And

(58:09):
people always all, big deal, big deal. No, it's not
big deal. I mean it was when there was no
hardly an Internet when he said that. I mean, I
don't I don't even know if they're really okay, son
of the Internet. Maybe, I mean, there were there were
so many things in their infancy John nesbitt Y Mega trends,

(58:32):
and and I wonder if he's ever updated this book.
That man was a genius.

Speaker 12 (58:36):
Wasn't sort of a consumer investigative reporter?

Speaker 1 (58:39):
No, No, not that it's about yeah.

Speaker 7 (58:44):
John, Oh maybe okay, But.

Speaker 1 (58:49):
What he talked about in this book, my god, how
could anyone have ever I mean, he he predicted all
of the trends you're seeing right now, even Artify intelligence,
And it's just it's just amazing how it followed what
he said, is he still around? He's uh, he was.
He was lecturing. Not long ago.

Speaker 18 (59:12):
Do you remember the Rabbatic robotic vacuum cleaner spying scandal
that broke out a couple of years ago. There were
bodic cleaners, much like the one you just got for
your house, were mapping the house, which kind of makes
sense because you don't want to bumping into the bars.

Speaker 1 (59:27):
Or something, right, that's what they do. They used technology.

Speaker 18 (59:30):
Yeah, well guess what they were doing with it and
perhaps still are. They were uploading these the idar images
of your house for what. Well, it would sense if
there are toys on the floor, and it would also
sense whether they're boys.

Speaker 1 (59:43):
Toys or toys.

Speaker 18 (59:45):
It would measure your foot size, It would measure the
size of the shoes in your house to determine what
whether women or men live there, and if so, how
many and what kind of shoes they buy? This is
what the how many cats? If you have cats? Do
you have a dog?

Speaker 1 (01:00:00):
This actually was disclosed. That's a huge scandal. Absolutely who
was doing it? Room?

Speaker 18 (01:00:05):
But I you know, I don't want to smear a
room because I can't remember the actual brak.

Speaker 1 (01:00:10):
Brian, you have a comment on the Samsung Bespoke Combo
Wash your Dryer, dry cleaner, sanitizer, slash. I don't know
it probably find it.

Speaker 6 (01:00:22):
It does windows, It does windows.

Speaker 1 (01:00:24):
Yeah, so what did you have to say about that brand?

Speaker 20 (01:00:27):
Question is.

Speaker 6 (01:00:29):
Did your wife or you ever figure out how to
clean the lint capture?

Speaker 1 (01:00:35):
Yes, yes, there's a there's a little door that you
push and then it pops out, and then.

Speaker 6 (01:00:43):
Then when you when you pull it out, what happens.

Speaker 1 (01:00:45):
You just have to hand take it off like you
do with a dryer.

Speaker 6 (01:00:49):
But we tried that because I was over there doing
mouse stuff.

Speaker 17 (01:00:54):
Guys.

Speaker 6 (01:00:54):
Yeah, yeah, and she showed me it and she couldn't
figure out where it was to begin with. We found
where it was, right, look it out. We could not
you know how normally you could open up like a
door another door.

Speaker 1 (01:01:05):
That you got Oh no, no, no, it opened, I found out. Yeah,
I know what you're saying. It opened. But then you
take your hand and you you pull it out, they'll
pull out. And here's what's amazing about this Samsung. It
uses a one ten outlet and it has a full
dryer in it. And listen to this, no gas is

(01:01:26):
all electric one ten outlet and no venting. That's the
part I don't understand. It uses heat pump technology for drying,
and I don't know how it works. But you have
no venting, right, so when you plug it in, you
plug it into a regular outlet and it takes up. No,

(01:01:47):
you don't have any venting, nothing, no gas. And so
we did away with a washer, a dryer, a venting,
and gas connections and simply have.

Speaker 7 (01:01:57):
This one water or something for it, right.

Speaker 1 (01:02:00):
Yeah, cotton cold water like a washer. And then then
it has a door where you open up and you
fill it with liquid detergents, so it's it lasts for
like a couple months and it injects what it needs.
So it has two detergent things. So if you have
one and your wife has another, you can use two

(01:02:22):
different detergents, you know, and they entered. They they just
go whatever cycle you pick. You can pick number, door
number one or door number two. Brian, I'll tell you
what I'm waiting. I'm waiting for technology to take over
the mouse thing. You know that there used to be

(01:02:42):
the ultrasound things that never worked. You remember those and
they still don't work?

Speaker 6 (01:02:47):
Right, People call or get me in their homes and
they say, oh, yeah, I bought these, but they're nothing.
I go, yep, he just made somebody richer.

Speaker 1 (01:02:54):
Yeah. Supposedly that ultrasound was supposed to keep mice away
or farmans away. Never works anyway. We got more coming
up on the Troubleshooter Show three oh three seven to
one three Talks seven one three eight two five five
or three oh three Martino Go with a sure thing
Denver's best roofer Excel Roofing dot com. You don't pay

(01:03:16):
a cent until you're content. Time for an insurance check
up free no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurance companies find out
now three oh three seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your

(01:03:36):
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martina here, Okay, I'm trying
to answer this guy here. He said, I have a
five hundred dollars deductible on my insurance. What should I do?

Speaker 2 (01:03:56):
Well?

Speaker 1 (01:03:57):
Get rid of the five hundred dollars deductible. Here's why. Okay,
if you have a claim that's a thousand bucks or
fifteen hundred or even two thousand, to file a claim
with your insurance and use the five hundred deductible and
get paid another five hundred or another thousand, your increase
in premium will far outweigh that benefit. Almost every time.

(01:04:21):
It is silly to have a five hundred olld deductible because,
first of all, you should not. And I know we
all complain we buy we buy these damn things and
we can't use them. We buy insurance, but we're punished
if we use them. That's true. So you shouldn't even
put in small claims. You should just pay him out

(01:04:42):
of pocket up to about two grand. So I would
recommend a two grand deductible, twenty five hundred or five thousand,
even if you have cash in a savings account. You'll
save a ton of money. All right, I want to
go to Tony. He has an issue with a construction project. Tony,
what's going on?

Speaker 21 (01:05:00):
Can you hear me?

Speaker 9 (01:05:01):
Okay?

Speaker 1 (01:05:01):
Yes, sir, I ken, what's going on with you?

Speaker 17 (01:05:05):
This?

Speaker 21 (01:05:06):
Earlier this year, we completed a bathroom remodel project that
it included a whole new shower, and in the shower
is a bench pretty typical. The water spray shoots.

Speaker 22 (01:05:24):
There's multiple heads and they all shoot towards the bench.
Because of another reason, I.

Speaker 9 (01:05:32):
Didn't discover that one of the seam right underneath the
bench seats, the cock slash grout right underneath it was
cracked and there was a lot of water leaking in
behind the seat construction. Okay, inside the shower.

Speaker 22 (01:05:55):
The contractor took care of it, no problem.

Speaker 21 (01:05:57):
They fixed it all up.

Speaker 17 (01:05:59):
The problem I have now is.

Speaker 21 (01:06:03):
About two months ago I started noticing the smell.

Speaker 22 (01:06:08):
And when this happened, I said to the contractor, my
greatest concern is mold or something else growing.

Speaker 21 (01:06:16):
Behind that bench wall. And now I've got a smell.
Sure enough. My question is is there such a thing
as something that helps detect where the smell is coming from.

Speaker 1 (01:06:32):
No, it's just it's just a matter of some detective work.
When he fixed it, how did he fix it? Did
he take off the tile or whatever.

Speaker 21 (01:06:43):
No, he regrouted the scene between the tile and the seat,
talked and the seat.

Speaker 1 (01:06:52):
He just we'll see. That was silly because once water
got back there. You can bet you have some mold
now evench in a very long time. If you've dried
up the food supply, which is water, it will eventually
go away. You can deal with the odor, and eventually
that mold behind that, if it was done properly, will

(01:07:13):
go away because mold needs mold needs darkness and water
and you know, stuff to feed it. So without water,
if it's completely dry, it's going to go away. So
it's really a matter of personal preference. What should have
been done. He should have lifted the tile on the
seat and they should have basically killed the mold and

(01:07:37):
then redone it. You might want to ask him to
come back and do it if he's pretty good.

Speaker 21 (01:07:45):
Yeah, My only concern was being able to prove that,
hey man, this smell has to be coming from there,
there's no other place.

Speaker 1 (01:07:53):
Well, you can do a mold sport test. Why don't
you just do that. Well, you just go in the
shower and take a mold sport test and do some
random ones in your house and compare it. And if
you have a lot of mold spores in that shower,
you can say to him, look, there's mold behind there
that you just grouded over or or caked over.

Speaker 21 (01:08:18):
In a mold sport test. It's simply measuring the quality
of the air.

Speaker 1 (01:08:22):
Yep, yeah, from old, but it's very accurate. It's that's
what I would do. First, go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check

(01:08:44):
up free, no obligation. In comparison, call Compass Insurance. Pay
too much your coverage at dozens of insurance companies find
out now three O three seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your home.
Three Max Alliance three oh three nine two zero sixteen
twenty two. Hi Tom Martino here three oh three seven

(01:09:11):
one three eight two five five. So, Jimmy, what is
your issue with an annuity? Jimmy, go ahead. What's happening
with you?

Speaker 7 (01:09:21):
All right?

Speaker 13 (01:09:21):
So I used to work for a co op like
a farmer's co op. Yeah, from two thousand and six
to twenty seventeen.

Speaker 1 (01:09:29):
Two thousand and sixty twenty seventeen, you worked for okay,
So what happened?

Speaker 21 (01:09:34):
Okay?

Speaker 13 (01:09:35):
So after I left there, me and my ex wife
split up and the courts had me. I had to
give her half of my retirement, which was no big deal, and.

Speaker 1 (01:09:49):
I when when was your divorce.

Speaker 13 (01:09:53):
Twenty seventeen?

Speaker 1 (01:09:54):
Okay, go ahead, so I.

Speaker 13 (01:09:59):
Have the other half of it just sitting in that account,
and I did. I just kind of left it there
and I did a little.

Speaker 1 (01:10:05):
So, hold on, did you when you left half of
your retirement to your wife? Was it? Was it in
the form of half of the annuity or was the annuity?
Tell tell me what your account looked like when you
split it.

Speaker 13 (01:10:20):
So it was a I split that like half the
cash value and gave her that.

Speaker 1 (01:10:24):
If that makes sense, Okay, you gave her and then
you got to keep the whole annuity.

Speaker 13 (01:10:30):
Yeah, it's weird. So in the in the documentation they
gave me, it says innuity, but then it has some
amount as well.

Speaker 1 (01:10:37):
Right, that's the account value or that's the account value.

Speaker 4 (01:10:40):
Yeah.

Speaker 13 (01:10:42):
So, uh, me and my current wife where we bought
some land. We're going to plan on building the house
at some point, and I figured, well, I could pull
that out because it's not gaining any money as it
it's there.

Speaker 1 (01:10:53):
Well, actually an annuity if you have an annuity, it
is gaining a small amount of interest and it is guaranteed.
If you have a fixed indextinuity and you have an
account value. If you're past the surrender costs, you can
pull some money out. Hold on and I'll go over
specifically what your situation is coming up. I'm Tom Martino.

(01:11:16):
Stick around for more of the Troubleshooter Show. Go with
a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're contenth time for
an insurance checkup free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance

(01:11:39):
companies find out now three all three, seven to seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two news. So you don't have.

Speaker 3 (01:12:05):
Come, run in just as fast as we can. Shooter's
gonna help.

Speaker 4 (01:12:11):
Coming is the Troubleshooter Show.

Speaker 1 (01:12:15):
No Tom Martino, Hi Tom Martino here, Welcome to the show.
This hour brought to you by genesistotalexteriors dot com. These
are great people for anything siding, windows, doors, sofas, facia, roofs, decking, painting,
Genesis total Exteriors dot com. All right, so we left

(01:12:38):
off with Jimmy, and Jimmy said he had an annuity
at the time of his divorce and gave half of
the cash value to his wife so he could keep
the annuity. And then he said, now he's remarried and
he wants to use the annuity or cash it in.

Speaker 13 (01:12:59):
Is that right, Jimmy, yep, I'm trying to pull the
cash the rest of the cash value.

Speaker 1 (01:13:05):
Okay, So there shouldn't be a problem with doing that.

Speaker 13 (01:13:09):
Yeah, it's crazy. So long story short. The companies out
of Kansas of the that is managing the money.

Speaker 1 (01:13:16):
What's the name of that company. What's the name of
that company?

Speaker 13 (01:13:20):
United Benefits Group?

Speaker 1 (01:13:22):
Okay, got it.

Speaker 13 (01:13:24):
And when I reached out to him, they said, well,
the sum of money is over fifteen thousand, so you
can't have it. And I said, well, how much is
in there? They said over fifteen thousand. They won't tell
me how much it is. But then they say, well.

Speaker 1 (01:13:38):
You should be getting statements on that annuity you should
And fifteen thousand sounds like a very very small amount
of an annuity. Were you contributing to it while you
were working?

Speaker 7 (01:13:51):
Yeah?

Speaker 13 (01:13:51):
I put in six percent and the company matched it
for eleven years?

Speaker 1 (01:13:55):
How much six percent? Okay?

Speaker 19 (01:13:58):
Yep?

Speaker 1 (01:13:59):
All right, so you had about thirty So the cash
value though, if you how much did you give your wife?
I should have asked that, how much did you give
her for that?

Speaker 13 (01:14:10):
Yeah? So I had to give her about thirty thousand
thirty five roughly, So that meant that.

Speaker 1 (01:14:15):
Meant that roughly if you gave her thirty five thousand,
that meant that the account value was around seventy thousand,
right exactly? Yep? Okay.

Speaker 13 (01:14:27):
And so when I get my statements, the only thing
it says, it doesn't stay like a sum. It says
I've run her in thirty three per month at sixty
five for life.

Speaker 1 (01:14:35):
Yeah, of course, uh huh.

Speaker 13 (01:14:38):
But they will not work with me on what the
cash value even is.

Speaker 1 (01:14:42):
What do you mean they don't have to work with you?
Just look at your statement. All you have to do
is log in. You have full control of this. I
don't understand why they have to cooperate with you. I can.
I can log on at any time anywhere to see
what my account balance is. Do you get statements on
this annuity?

Speaker 13 (01:15:02):
Yeah? I do.

Speaker 1 (01:15:03):
Okay, what your statement tells you what you need to know?
I don't understand, Jimmy. This is what I'm confused about.
What do you need them to cooperate about? What? What
do they have to do for you?

Speaker 13 (01:15:14):
I just want I want to pull the sum of
money sold the other thirty five thousand.

Speaker 1 (01:15:19):
Okay, you first of all, don't need them to do that.
You can go straight to the insurance company. It's your annuity.
You have a statement at the top of the statement
is the annuity company. All you have to do is
establish an online presence or call them and tell them

(01:15:41):
you want to cash it out. It's that simple.

Speaker 13 (01:15:43):
Yeah, and I have and they won't work with me.
I cannot have Okay.

Speaker 1 (01:15:49):
What's the name of the insurance company?

Speaker 13 (01:15:53):
I mean it's all through United Benefits. No, it's not
the only contact.

Speaker 1 (01:15:56):
Okay. Can you see and when you when when you
tell them you want to cash in the annuity, they
say you can't. Yeah, And what reason do they give
you that you can't?

Speaker 13 (01:16:09):
They just said the only time I'll only be able
to access the money. The sum of money is through
payments of five point thirty three per month for life
after sixty five.

Speaker 1 (01:16:20):
All hold on, So just hold on. First of all,
all annuities that I know of can be cashed in, okay.
I don't know of any you can't cash in? Okay.
So I don't know what they're telling you or why
they're telling you, and we need someone to call and
find out why. But first I would like to get

(01:16:40):
Joe Kianno on. By the way, he has nothing to
do with this. I would like to get him on
as an expert. He sells annuities, and see what he
has to say a Kachina. Can you get Joe Canno
on to answer a general question? Absolutely good? Hang on, Jimmy,
and and you're saying that the company American Benefits Group.

(01:17:04):
Is that what he called an American Benefits Group? Okay,
I'd never heard of such a thing. I'm gonna go.
I'm gonna move on, Jimmy, and I'll come right back
to you, all right right now, Jeff, Jeff, what is
going on with you? Jeff? Welcome to the show.

Speaker 23 (01:17:21):
Yes, sir, good afternoon. I've got a two thousand and
nine Cadillac DTF Platinum Edition, and I've got several electrical
grimlins with it. I keep pulling up several codes with
fuel trim, lean bank engine misfire. I replaced both O

(01:17:42):
two sensors. The math sensor PUEL injecting system has been cleaned.
I re scan it and the code keeps popping up.
And I've done as much online slew thing as I
can find. Mind, and my.

Speaker 13 (01:18:01):
Last step is to replace the fuel pump to see
if that will alleviate the low fuel pressure, which will
set off the other sensors. Otherwise I'm at withsan do.

Speaker 8 (01:18:12):
You actually have low fuel pressure?

Speaker 23 (01:18:16):
No, that's the ironic thing. I've tested at once and
I'm at sixty pside.

Speaker 7 (01:18:21):
You're fine. I wouldn't take I.

Speaker 1 (01:18:23):
Will tell you why is he getting all these error codes?

Speaker 8 (01:18:26):
But I would what the typical problems on those are
intake manifold gaskets, planeum gaskets or things like that. You
need to smoke test it or get somebody to smoke
test it and find the leak and the intake system
it's sucking air from.

Speaker 23 (01:18:39):
Some Okay, wow, I replace the planum gaskets.

Speaker 8 (01:18:46):
We have the plane and then you have the intake underneath
the planum. So you got both of them there. But
instead of guessing, if you run a smoke test, you
can see where the leak is.

Speaker 1 (01:18:57):
Okay, what is the smoke test.

Speaker 8 (01:18:59):
It's a machine that we hooked to the lines of
the car and actually pumped smoke through it and it
comes out where the leak is. Yeah, it's very very simple,
very cool. It's really cool, and you can there's too
many ways to miss things. Unless you do a test
like that, you're just guessing.

Speaker 1 (01:19:15):
And you've never done anything like.

Speaker 13 (01:19:16):
That, right, No, not the smoke test. The both gaskets though,
were replaced when I had the motor pooled for a
feel job.

Speaker 8 (01:19:27):
Yeah, I'd still do a smoke test because you can
still have a leak there cracking somewhere in the line
or something somewhere. They're introducing too much air into the
system and that's why it's getting a lean come.

Speaker 1 (01:19:37):
And of course that you know, you can always take
it to share in an artitech, they can do stuff
like that. Absolutely, Liz, what's going on with you? Liz?
What's happening?

Speaker 9 (01:19:48):
Hey?

Speaker 14 (01:19:49):
Hell are you Tom?

Speaker 17 (01:19:50):
Hi?

Speaker 7 (01:19:50):
Liz?

Speaker 13 (01:19:52):
Can you hear me?

Speaker 1 (01:19:53):
Okay, I can hear you, fine, go ahead, Liz, Yes,
I can hear you fine, Yep.

Speaker 2 (01:19:58):
Thank you.

Speaker 14 (01:20:00):
I am the POA for that's durable, medical, financial, and
the executor of my dad's will and himself. Okay, here
to he's ninety four years old and he's been diagnosed
with dementia since last year. He's had it, but we
finally got it diagnosed.

Speaker 7 (01:20:20):
Okay.

Speaker 14 (01:20:20):
The law firm, the law firm who wrote the POA
in the well said in writing that the medical and
the general power POAs were effected at signing without any
condition president to the grants of the authority. And they
said that it was that I was empowered on August eleven,
twenty three, and.

Speaker 1 (01:20:43):
So it's specifically hold on it specifically mentions though medical
as well as other things.

Speaker 14 (01:20:51):
Yes, because I'm all, I'm all of it, Okay. I
wanted to do it for.

Speaker 1 (01:20:57):
All, so for all matters got to keep.

Speaker 2 (01:21:01):
Yeah.

Speaker 14 (01:21:02):
And he named the article from the law that backs
us up. We have been told by doctors, the aps,
the police, and my dad's sures that we have no rights.
I have no authority. And now I've involved my uncle

(01:21:22):
who is in Texas and he's a retired senator and
he's mad and he says, no, this is not true
because you hold on?

Speaker 1 (01:21:31):
Is also hold on when they when they say when
they say you have no rights under that POA, do
they give you a reason? Was it not drafted correctly?
What do they say about that?

Speaker 14 (01:21:42):
No, they don't even care. They have they have copies
of it.

Speaker 1 (01:21:46):
And what did you try to do where you were
turned down? What did you try to do where you
were turned down?

Speaker 2 (01:21:53):
Black?

Speaker 14 (01:21:54):
Last year when my dad went and he hurt himself,
he went out by himself and he broke came back,
got exhausted, broke his nose, and he ended up in
the hospital. He ended up on rehabs.

Speaker 1 (01:22:11):
And what were you trying to do, Bob? What were
you trying to do?

Speaker 14 (01:22:14):
Trying to get we were trying to get him into
some kind of because the facility says, your dad can't
live alone anymore, he's got to have care. Okay, So
we said, well we need help. We got to do this,
and we made a meeting and that facility got my
dad out. They got him ount even though they did
nine tests on him, saying that he was diagnosed with

(01:22:37):
dementia by them.

Speaker 1 (01:22:38):
What were you trying to do that said you had
no rights. What were you trying to do under the POA?
Because that's what we're talking about right now, the power
of attorney. Someone told you you have no rights. Well,
let me explain something. You might be mistaken what the
POA is for. A power of attorney does not give
you medical making decisions. You know that, Okay. All it

(01:23:01):
does is allows you to sign for things. It does not.
Powers of attorney are the most misunderstood instruments. There are
powers of attorney help you make decisions, yes, but not medical,
not end of life, not anything like that. You don't
get to make those decisions just because you have a
power of attorney.

Speaker 14 (01:23:20):
It says that. No, it says it all in his
that I'm medical, and it says that written.

Speaker 1 (01:23:26):
In a medical power of attorney is to sign for obligations.
It is not to direct care.

Speaker 14 (01:23:36):
It says that in there.

Speaker 1 (01:23:37):
Okay, it doesn't matter what if it's said in there
you can fly, it doesn't mean you can. What I'm
saying is the attorney that drew this up. He should
be the one you're talking to, because I think you
misunderstood what a medical power of attorney actually does. I
really think. Listen, first, you haven't even told me what
they turned you down when they said.

Speaker 14 (01:23:59):
You I'm trying to get to try to get medical
care from my dad. We're still trying.

Speaker 1 (01:24:05):
What kind of care are you trying to, Liz? What
kind of care are you trying to get?

Speaker 14 (01:24:12):
We're trying to get him into an assisted living part
time so that they can help him with his mem
with it's a memory care for okay, okay, that the
rehab place referred us to.

Speaker 1 (01:24:23):
And you're allowed to sign him into one of these places.

Speaker 14 (01:24:28):
I don't know. I'm being told that I don't have
no authority. And now he's involved with since corn artists
that are they're coming into the picture and they're manipulating
my father.

Speaker 1 (01:24:42):
What kind of connors? What kind of cornie?

Speaker 14 (01:24:46):
Is one of the ex one of the ex prison mate?

Speaker 1 (01:24:51):
And wait, so you're your father was in prison?

Speaker 14 (01:24:56):
No, no, the persons that he is involved with my dad?

Speaker 1 (01:25:00):
You said an ex prison mate. It was his mate
in prison?

Speaker 14 (01:25:05):
No, no, no, the person is a former prisoner. Okay,
but he's still doing.

Speaker 1 (01:25:13):
How does he know your father? How does this this
ex convict know your father?

Speaker 14 (01:25:19):
He showed up one day because of the lady that
was before him, that was manipulating my father to change
his will, to change his pel way, and and she
got him to change.

Speaker 1 (01:25:29):
And how do they know your dad? How do they
know your.

Speaker 14 (01:25:31):
Dad at his church?

Speaker 1 (01:25:34):
Okay? So these people and these people at church you
believe are trying. Does your dad have a fortune?

Speaker 14 (01:25:43):
Not really? He just said he's a v and the.

Speaker 1 (01:25:48):
Police what benefits? Here's what I need to know. Usually
conman have a have a reason to con people. If
your dad doesn't have any money.

Speaker 14 (01:25:56):
What would they be after he has cash? How much cash?

Speaker 1 (01:26:01):
How much.

Speaker 14 (01:26:04):
About seventy five thousand?

Speaker 1 (01:26:05):
Okay, now this seventy five grand? If you have a.

Speaker 14 (01:26:09):
Power of attorney, mule until he dies.

Speaker 1 (01:26:12):
Liz, you have to let me finish sentences. Okay, you
really do. Your power of attorney can move his money
to where you can control it. If you have a
financial power of attorney, where is his money being held?
Is it his bank account? Is it his bank account?

Speaker 14 (01:26:33):
That's the thing, it was both of ours. I was
joined on it, and the bank went and took it
off because that lady had my dad take me off.

Speaker 1 (01:26:41):
Well, if your dad took you off, then you're screwed.
I mean, your dad is making.

Speaker 14 (01:26:46):
Decisions, pa, and I'm still pod it.

Speaker 1 (01:26:49):
It doesn't matter. POA joint A power of attorney does
not supersede the person's power. It augments it, it helps it.
If your dad took you off his power of attorney,
you're no longer power of attorney. He has a right.

Speaker 14 (01:27:03):
He didn't take No. No, I didn't say that right,
I'm sorry you didn't hear me, right, He I'm still
power of attorney. I'm still on his I'm still on
the bank account. He just went and changed the bank checks,
just the checks, and took me off the checks and
made it just for himself, because that's what this lady

(01:27:25):
instructed my dad to do.

Speaker 1 (01:27:26):
But you still have power as power of attorney attorney. Okay,
so they can't make a withdrawal without you. But but
and and really, if he has check writing authority, he
can supersede your POA. So what I'm telling you is,

(01:27:47):
I think you're misunderstanding. I think your attorney's not doing
you a justice. You he has power to write.

Speaker 4 (01:27:54):
They're not.

Speaker 1 (01:27:56):
Yeah, they're not, Liz, your attorney. You need a new
attorne Nie. This power of it. Where's your where's your
father in the nursing home. Where is it?

Speaker 14 (01:28:06):
He's not in the nursing home.

Speaker 1 (01:28:08):
Or assistant living. Oh, he's in his own home. Okay,
he's in his own home. Where is his home? Because
where's his home? Lisz Okay, hold on, then hold on,
I'm gonna have some This is a very confusing situation.
People are trying to take advantage of him. You need
to take action. Go with a sure thing, Denver's best

(01:28:32):
roofer Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance checkup free, no obligation.
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(01:28:54):
estate Man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two.
Hey Tom Martinez here, Okay, I want to try to
get some help for this woman because if her father

(01:29:16):
is being con that's a bad thing. Hey, Liz, I'm
glad that your father's in Denver. That makes it easier,
but here's what I want to ask you right now.
Your dad is at home and you want to get
him into assisted living, and let me explain something to you.
With the power of attorney, because a lot of people

(01:29:38):
confuse the power of attorney with guardianships. With guardianships, you
get to make decisions as if you're that person with
a power of attorney, you simply sign documents where he
would otherwise not be able to. But if he makes decisions,
you cannot override them or prevent them. So let's just

(01:30:02):
say these people are screwing him and conning him, and
he writes them a check. You can't stop it because
you have a power of attorney. Does that make sense
to you?

Speaker 2 (01:30:17):
Yeah?

Speaker 14 (01:30:17):
I kind of heard that recently.

Speaker 1 (01:30:20):
Were you you thought you thought probably that you had
a guardianship? Now do you think you're I know, I knew.

Speaker 14 (01:30:30):
I did it? Okay, it's different.

Speaker 1 (01:30:31):
Okay. Do you think your father.

Speaker 14 (01:30:34):
My family and everybody that I had the power him,
including this law firm that wrote the power, the POA
and the and the will, they can't. They put it
in writing and said your dad has no rights. He
gave him up when he signed off, and he did.

Speaker 1 (01:30:50):
You They told you the wrong thing. He did not
give up his rights.

Speaker 14 (01:30:56):
And then also I was told that because he has
been dying and it is with dementia, that he doesn't
have a right to sign anything and do anything.

Speaker 1 (01:31:07):
That's not true. No I can, that's not true. That's
only if he's been declared mentally and competent by the courts.
Here's what you need to do. You either need to
go back to that law firm or go to another
law firm for elder law, and you need to have
him declared. You need to have him declared mentally and
competent where you become his guardian. Then you or a

(01:31:28):
family member whoever wants to do it. Then you get
to make decisions on where he goes for assisted living
and all the other his whole bank account. You don't
really have control over his bank account as a POA.
That does not give you control. It simply means you
can write a check or you can do similar things.

(01:31:50):
You can't override him. The only time.

Speaker 20 (01:31:54):
You can override him right now.

Speaker 1 (01:31:57):
And I don't blame you. I want you to protect
him from these people. They're looking to get his money. Now. Yeah,
if you talk to your father, does he agree with you.
Does he is he like in does he listen to you?

Speaker 2 (01:32:12):
He used to?

Speaker 14 (01:32:13):
Now he's being brainwashed. There's two of them.

Speaker 1 (01:32:18):
Now okay, then you need no, no, this is bad.
You need to get into court.

Speaker 14 (01:32:25):
They're threatening me. They're saying, they're saying they're gonna they're
going to get my dad to agree with them to
put a restraining order on them.

Speaker 1 (01:32:32):
And by the way, by the way, he would he
can do that. So if they get his ear, there
is no there's no stopping what he can do. Your
dad has the right to get a restraining order against you.
Your dad has a right. As crazy as this sounds,

(01:32:53):
your dad has a right to be conned. If he
likes these people and they talk him into giving money,
he has a right to do that until you get
him declared mentally incompetent. You have to find an attorney,
you and your family take your dad to court.

Speaker 14 (01:33:13):
That's why I'm calling you.

Speaker 1 (01:33:15):
What's that did you say? Do we have an attorney,
an elder law attorney? Huh yeah?

Speaker 2 (01:33:21):
And they have.

Speaker 1 (01:33:22):
Told Okay, here's what, here's where you start. Here, let's
let's give you at least this place to start. And
if Dan can't help you. He will probably give you
someone who can. His name is Dan McKenzie. Okay, he's
an attorney.

Speaker 6 (01:33:41):
But what.

Speaker 1 (01:33:47):
McKenzie. Hey, Kashina, can you give her Dan McKenzie. It's
mackenzie Law eight three three C plans. She'll help you.
Off the air. I want to talk to you, j
Ociano now as an expert, real quick here, Joe, I
don't know what's going on, and you have nothing to
do with this, but it has to do with Jimmy.

(01:34:10):
Jimmy has Jimmy, you say you have an annuity and
you want to cash it out and they told you
you're not allowed to. He said, yes, it is American
Benefits Group? Is that who has you? Is that who
you deal with?

Speaker 13 (01:34:29):
United Benefits Group?

Speaker 1 (01:34:30):
United? Have you ever heard of United Benefits Group? Joe?
I doubt they're the underwriter, But have you heard of them?

Speaker 7 (01:34:37):
No?

Speaker 15 (01:34:38):
I have never heard of that company. But you know
what I think Jimmy's talking about. Well, I think he's
talking about the four oh one k that he still
has with, you know, with this previous company or the
company that he was working with before he got divorced.

Speaker 1 (01:34:55):
Yeah, Jimmy, you use the word annuity, do you actually
have an innuity contract or is it a pend or
is it simply a qualified account?

Speaker 13 (01:35:05):
So it's a co op retirement account. But in the
terms when I got my statement, it says annuity as well,
so it can It's what I mean, it's.

Speaker 15 (01:35:12):
Kind of right. I see some of the retirement accounts
what they do. They have regulations so like for example,
I mean, nobody can move their money unless they are
fifty nine and a half or maybe they could, you know,
working for their company. So if it's a like a
four to one K or a retirement account from an
employer they're.

Speaker 17 (01:35:33):
Going to do.

Speaker 15 (01:35:34):
You have to abide by their regulations. Some of those
employers are not going to let you take the money out,
so that's why you're having a problem doing that.

Speaker 1 (01:35:44):
Jimmy, I think you're talking about a four oh one
K account, okay, and the four to oh one K
can only be cashed out if the plan administrator or
the plan allows for it. It's called an in service distribute.
How old are you right now, Jimmy, I'm thirty seven K.

Speaker 7 (01:36:05):
Yes, that's right.

Speaker 1 (01:36:06):
They won't let you take the money. And what what
they said was true. You're only entitled to income when
you reach retirement age. Is that what they said?

Speaker 15 (01:36:16):
Yeah, that's an annuity. See that that that that account
terms an annuity at that time. But it's not an
annuity today. So Joe and a half.

Speaker 1 (01:36:28):
Yeah, Joe, Not everyone with a four oh one K
has what's called an in service distribution, right, No.

Speaker 15 (01:36:35):
But I mean if somebody's fifty nine and a half,
they actually get an in service distribution.

Speaker 1 (01:36:41):
They can get a lump sum.

Speaker 15 (01:36:43):
They get a lump sum, or they can transfer it
to an annuity.

Speaker 1 (01:36:47):
Yeah, and that's and that's many times what Joe recommends. Jimmy,
if you have a four oh one K and you
turn sixty or fifty nine and a half, you can
take a lump sum and turn it into an annuity,
which guarantee your income as opposed to just drawing out money.
But Jimmy, if you send us a Kaschina, have him

(01:37:08):
send us a statement. If he sends us a statement,
we'll gladly confirm whether he has an annuity or for
one K. But I think Joe is right. Joe said,
it's probably a four to oh one K and it
turned into an annuity, or it turns into an annuity.
But send us your statement and we'll look at it
for you. Go with a sure thing Denver's Best roofer

(01:37:35):
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only customer when you choose Frank durand the real estate

(01:37:56):
Man dot com to list your home with Remax Alliance
A three nine two zero sixteen twenty two. Tom Martino,
all right, we have U Tina who's been working with
Dmitri and also Kevin Caulkin. What was the issue with

(01:38:16):
Tina's car?

Speaker 18 (01:38:17):
Dmitri, Tom, Tina called us about a week and a
half ago when Mark was here and you had a
day off. Yeah, and she has a Mitsubishi and she
had an EGR related service engine or engine service code.

Speaker 7 (01:38:30):
She took it to Independence it is yeah, yeah, it
is okay, yeah.

Speaker 18 (01:38:37):
And so she took it to Independent shop down in
Littleton and they said you need an EGR cleaning. Well,
they cleaned the EGR it was pretty expensive, Tina, if
I remember, If I remember right, it was like over
one thousand dollars right, thirteen yeah, thirteen hundred. And shortly
after doing that, the check engine light came back. So
she called us and we said, hey, you got to

(01:38:59):
go see Kevin a shared naut attack to get a
second opinion on this. Kevin looks at the car and Kevin,
please take over.

Speaker 7 (01:39:06):
Let us know what you found.

Speaker 8 (01:39:07):
Yeah, we we just we always do a little bit
of research when we get a check engine light. How
a TSB from Mitsubishi directing specifically to this code in
this condition that the ECM needs to be reprogrammed before
any repairs.

Speaker 18 (01:39:22):
So we so Mark and Kevin here developed a suspicion
that the shop she initially took it to performed possibly
unnecessary expensive service. So Tina and I spoke and we
agreed that she's going to take it to Mitsubishi dealership,
which she did a few days ago.

Speaker 7 (01:39:40):
Is that right, Tina?

Speaker 19 (01:39:42):
Yes?

Speaker 18 (01:39:43):
And what did they do and what were the results
in the context of your check engine light?

Speaker 10 (01:39:47):
After that, they did the computer update, like Kevin said,
needed probably to be done, and the light hasn't come
back on Okay, that's.

Speaker 2 (01:39:57):
All it took.

Speaker 1 (01:39:58):
Yeah. So the question now is did they take advantage
of her?

Speaker 19 (01:40:03):
Right?

Speaker 18 (01:40:03):
Did it take advantage of her or did they simply
just not go far enough by not looking to see
if there's a TSB And does an independence shop like
that have access to tsb's Oh yeah, we're independent.

Speaker 7 (01:40:15):
We have twoestcas.

Speaker 10 (01:40:17):
So I was looking at my research, yeah, real quick.
And they did find a technical service bulletin because I
also his touch screen didn't work in the car, and
they said on the receive that there was a technical
service bulletin for that, but they didn't mention anything about
a technical But.

Speaker 1 (01:40:32):
What I'm asking is this, was that twelve hundred or
thirteen hundred bucks done ethically? Yes? Right? She did need it? Right?

Speaker 7 (01:40:43):
Well, we don't know. That's the actus question.

Speaker 18 (01:40:46):
Did she need the eger cleaning or did she just
need the program the free programming that she got to
the Mitsubishi dealership.

Speaker 8 (01:40:53):
So that's the question. And Kevin, it's a catch twenty two.
It's a hard one because we didn't see the car
first exactly. I couldn't verify the condition or anything. Alls
we could have done is you know, second, we got
it second, right, so right.

Speaker 1 (01:41:07):
Now, I mean, there's at least you got the problem solved,
but there's no telling whether or not. I mean, look,
I mean, how many miles were on this twenty twenty?
Is it possible the ADR valve needed to be replaced
or cleaned?

Speaker 12 (01:41:21):
It's thirty.

Speaker 1 (01:41:23):
Did they clean it or did they replace it?

Speaker 7 (01:41:25):
They cleaned it?

Speaker 1 (01:41:27):
Wait for twelve hundred dollars they cleaned it? Oh that's
really How about?

Speaker 18 (01:41:32):
How about I called Tina's contact over there, the service
advisors she worked with, and see if they think maybe
at least the partial refund might be due under these.

Speaker 1 (01:41:41):
Kevin, what would be in Thank you, Dimitri?

Speaker 7 (01:41:43):
That's great?

Speaker 1 (01:41:45):
What would What's involved in cleaning an EGR valve? They
all vary better a new one for that, right?

Speaker 8 (01:41:52):
Well, they're very expensive dr vals, Oh they are, they are,
But it's not really cleaning the EDR valve. But the
passages within the intake is what the cleaning is. Sometimes
this is a screwdriver scraping and chipping away, or you know,
you have to find debris. I mean, it's not it's
not an unknown like a fuel injector where you run
a cleaner hoping to clean something. You actually see what

(01:42:13):
you're trying to remove, So they should have been able
to inspect seen carbon or not and and went from there.

Speaker 7 (01:42:19):
So kind of hard to tell.

Speaker 8 (01:42:20):
I mean, it's a tough one, but it's a known
problem with the car to be reprogrammed.

Speaker 7 (01:42:25):
So exactly, I'm leaning towards no.

Speaker 1 (01:42:32):
Go with a sure thing Denver's Best roofer Excel Roofing
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(01:42:54):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance oh three
nine two zero sixteen twenty two. Hi Tom Martino here,
Welcome to the show. So, uh, let's talk to Hardy. Hardy,

(01:43:16):
what's going on with your mother's apartment?

Speaker 17 (01:43:20):
Uh, sir, they had no leasing management in the office
for like six months, and my mother paid her rent
on time every month, and then when they did finally
get somebody in there, they're trying to charge her all
these late seas and stuff, saying.

Speaker 1 (01:43:36):
Well, why are they charging your Why are they charging
her late seas.

Speaker 17 (01:43:41):
Because there was nobody in the office taking payments and
doing their papers.

Speaker 1 (01:43:44):
But you said she but you said she paid her
rent on time, right.

Speaker 17 (01:43:50):
She dropped it off at the office because there wasn't
nobody in the office working in the office for six months.
But okay, so someone in there.

Speaker 1 (01:43:58):
Okay, So when she dropped it off the office, did
she put it through a mail slat or what?

Speaker 17 (01:44:03):
Yeah, they have a drop box.

Speaker 1 (01:44:06):
And they're saying she was late.

Speaker 2 (01:44:10):
Yeah.

Speaker 17 (01:44:10):
They made her sign a contract back in April, and
they've been charging all these new paths, fes and stuff
until October. And she shouldn't have to be paying these things.
And they made her sign a contract with someone else's
name on it.

Speaker 1 (01:44:26):
Okay, I'm confused, hardy. So there are two issues. One,
she signed a lease with someone else's name on it,
so she leased in an apartment with someone else's name.

Speaker 17 (01:44:38):
No, she was already here, and they made her sign
a payment agreement.

Speaker 1 (01:44:41):
Oh oh oh, and the payment agreement was for the
late charges.

Speaker 17 (01:44:47):
Yes, sir, that I don't believe, she owes.

Speaker 1 (01:44:49):
Then why did she sign it.

Speaker 17 (01:44:53):
She oh, and elderly sir, she's not.

Speaker 1 (01:44:56):
Okay, okay, And and so she she paid through a dropbox.
And now they're saying, she owes how much in late charges?

Speaker 17 (01:45:09):
She what's that little book she's keeping track of the
she got a pay? Uh how much.

Speaker 1 (01:45:24):
Book? She's going, okay, so what proof? So they're saying, hey,
you've been late several months, you owe this much in
late charges. Sign this to make payments? When when was
the check cash? That's the way to trace it down, Tom, Well,
they could have held the check. Yeah, but you know

(01:45:44):
what I'm saying. But if if it was stunned.

Speaker 2 (01:45:47):
Two days later as opposed to ten days later, she
has uh things auguing about.

Speaker 1 (01:45:52):
Did she look at her canceled checks? Hardy?

Speaker 17 (01:45:57):
Uh? Have you been looking at your castle check from
six months back?

Speaker 7 (01:46:01):
When you pay?

Speaker 1 (01:46:02):
So it's for six months?

Speaker 17 (01:46:06):
Yes, they've been. They made her sign this back in April,
and she's been paying this this April and.

Speaker 1 (01:46:12):
She but I don't even understand how much are they
saying she owed? For God's sakes, I don't understand it.
You got to let me know. I mean, how many
late charges should you have for six months? So how
long would the management company gone where she was excuse me,
where there was no on site management? Sure where she
was paying through the dropbox?

Speaker 17 (01:46:35):
About okay, it has a five hundred and fifty and
twenty eight cents, she's.

Speaker 1 (01:46:41):
How many did you see for five? Okay? So they're
saying she has well, so she's did They say how that?
Here's the problem. She signed the damn thing. That's gonna
be a real big problem. Hold on a second, we
may have somebody somebody call over there for you. Hang on,

(01:47:10):
go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
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(01:47:32):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine to zero sixteen twenty two.

Speaker 3 (01:47:46):
Rift News. You need advice so you don't have run
as fast as you can shoot is gonna help?

Speaker 17 (01:47:58):
Come?

Speaker 4 (01:48:00):
This is the Troubleshooter Show. No Tom Martine.

Speaker 1 (01:48:05):
Hi, I'm Tom Martino, and I welcome you to the show.
I got Jeff ficked with us from Kimmera Transmission, Kevin
Calkin from Sheridan Auto Tech, and I'm getting some text
about land rovers saying, your guys don't know what they're
talking about. I've had a land Rover, loved it. Other
people are saying they've had their land Rovers and love it.

(01:48:26):
And here's what they One guy said, which I don't
think he knows what he's talking about. He said, there's
a difference between a range Rover and a land Rover.
And you're talking about range rovers. Aren't they the same?
I mean they are the same, right, guys.

Speaker 8 (01:48:38):
The same manufacturer. But it's kind of like GM Cadillac,
you know, So they're.

Speaker 1 (01:48:42):
Range Rover as opposed to a land Rover. I don't
know much about it.

Speaker 7 (01:48:45):
I don't know the distinction.

Speaker 1 (01:48:46):
Now. I do know that land rovers are beautiful. They
are they The new design is turning heads and people
absolutely love him. Do they have an ev veilcliet? Because
what's really funny about that is the English are known
for bad electrical systems. I mean, remember the Jaguars. But
in any case, land Rover and the Defender, and then

(01:49:11):
there's the range Rover and the Discovery, they're all different, right, Well.

Speaker 7 (01:49:14):
The rains Rover is the luxury high end of land rover.

Speaker 1 (01:49:20):
You mean Range is higher than land Yes, oh, okay,
I didn't know that. And in any case, what I'm
finding is there are a few people that wrote to
us saying they love them and they have no problem
with them. Do you know that the range rovers start
at around eighty four thousand dollars they're proud, holy crap,

(01:49:46):
holy at around eighty four thousand for what? And the
Defender what did they start at? Oh, they started about
seventy three thousand, so they're pretty expensive as well. Anyway,
in any case, I just thought i'd mentioned that you've guys,
do you think they're better nowadays than they were at all?

Speaker 16 (01:50:10):
I mean eons ago, the Lamb Grover was actually a
really decent vehicle, you know, you go back into the
seventies and what not. They were pretty tough. There's a
reason they used them for African so far, reason why not?
And they were simple to work on, very robust. But no,
they've just gone downhill.

Speaker 1 (01:50:23):
And then somebody wants to know you know about the
eneos look it up out of Colorado Springs and uh,
let's talk to Hardy. Hardy, I'm trying to make sense
of this, Sore. Here's what I need to ask. You're
saying that your mom paid rent every month for six
months in a dropbox when there was no on site manager. Okay,

(01:50:48):
now right, and then when the manager came back on duty,
they're saying you owe five hundred and fifty dollars in
late charges. Okay. And they made her sign something. They
made her sign something that she signed.

Speaker 17 (01:51:06):
Yeah, listen, it has her first name, is somebody else's
last name on it?

Speaker 1 (01:51:10):
Then and what did Okay, how did they do that?
Then they can't they can't hold her to it. How
much has she been paying extra every month? Hardy? How
much has she been paying extra every month? What does
the agreement say? How much extra was she paying? She? Oh?

(01:51:37):
Hold on, I need to know how much extra she
was paying every month to get paid to get there? Okay,
I'm going to hold you on that. Hold on, I'm
going to go to Deputy Bow. I'll come back to you,
Deputy Bow. We had an issue with a swamp cooler. Diana,
she called and uh it was it was stalled wrong.

(01:52:00):
I remember this. She was having such a tough time
getting the guy to fix it. And what happened? And
then you said you were going to go out and
look at it and possible very.

Speaker 20 (01:52:13):
Much for climbing on roofs. So I had this friend
of the show that Jerry at JJHBAC who helped us.

Speaker 17 (01:52:21):
Out with Eileen last year with yeah, lady that didn't
have heat. Yeah, And so.

Speaker 20 (01:52:27):
What happened the company that she hired after we got
involved and started bugging them, they went out about three
weeks ago and looked at the cooler and they just
replaced it. They put another brand new unit in, which
I thought was totally ridiculous because it didn't solve the problem.
She still had leaks and it still wasn't blowing right.

(01:52:50):
So Jerriot JJHBAC went out there yesterday and finished up today.
He went out there and fixed all of the leaks.
The contractors that installed the unit over tightened the quarter
inch compassion fittings on all the water lines.

Speaker 17 (01:53:08):
They cause the leak.

Speaker 1 (01:53:09):
Oh, so that was it? That was that was simply it.

Speaker 20 (01:53:14):
No, And then they miswired the control board. So when
there was a call for cooling, she was just getting air.

Speaker 12 (01:53:20):
No no, no.

Speaker 1 (01:53:21):
So now everything is fixed.

Speaker 20 (01:53:24):
He just finished a few hours ago. She's very happy
it's all fixed, and he is he is not going
to charge her.

Speaker 1 (01:53:33):
That is so nice. What is his name? I like
this guy? What's his name?

Speaker 17 (01:53:38):
He's very good.

Speaker 20 (01:53:39):
He's helped out the show twice for our callers. His
name's Jerry j and j HVAC. Now, most of our
sponsors do not work on swamp cords. I'd like to
give out his number.

Speaker 1 (01:53:51):
He's go ahead.

Speaker 20 (01:53:54):
So his name's Jerry. It's seven to zero two two
seven five eight zero. He's done two jobs for us
and hasn't charged charged our callers.

Speaker 1 (01:54:07):
That's very very nice. Jane j A, thank you very much.
Bo I appreciate that. Hey, I don't have my dinger
handy right now because I left at home, so I
can't give you the dinger, but maybe dragging you. Thank
you Dragon. All right, Hardy, I'm back to you. So Hardy,
did you find out how much he had to pay?

Speaker 17 (01:54:28):
Yeah, Sirs, f fifty eight dollars and twenty eight cents.

Speaker 1 (01:54:33):
Extra and she has to do that until five point
fifty is paid.

Speaker 17 (01:54:40):
Fifty two twenty eight. No, that's the total.

Speaker 20 (01:54:46):
Mind up, now, fast set me six.

Speaker 1 (01:54:51):
Okay, it doesn't matter. Doesn't matter. They're saying you owe
more than five hundred dollars. It's okay. They're saying you
owe more than five hundred dollars.

Speaker 17 (01:55:01):
And she's been paying this monthly since.

Speaker 1 (01:55:04):
Did you call that? Did? Let me ask you the
simple question, Hardy, did you call them and say my
mom signed an agreement that wasn't even in her name.

Speaker 17 (01:55:15):
No, she just showed me this today, sir, and she's
been paying this. So I thought you could get just resolved.

Speaker 1 (01:55:22):
Okay, we're gonna have Okay, Hey, Dimitri, this sounds I
want to explain this to you. So Hardy's mom what
what what is her first name? Hardy Constance? Okay, okay,
my name?

Speaker 17 (01:55:41):
What's your name?

Speaker 1 (01:55:42):
Okay? Anyway, all right? So Constance eight? Constance paid her
rent on time every month for six months in a
drop box when there was no on site manager.

Speaker 7 (01:55:58):
Did they cast the checks?

Speaker 1 (01:56:00):
Yeah, they're not saying she didn't pay rent. They're saying
she was late every month. And now the management company
says she owes more than five hundred in late charges.
They also got her to sign an agreement to pay
them back, but the agreement is not in her name. Though,

(01:56:23):
the repayment agreement is not in her name. But she's
been paying an extra fifty eight dollars a month for
how long? Well, for the last seven months?

Speaker 17 (01:56:36):
Yes, no, you just said eight months.

Speaker 7 (01:56:39):
God, I love it.

Speaker 1 (01:56:41):
April Okay, here's what months ago?

Speaker 7 (01:56:46):
Wait, April was four months ago.

Speaker 1 (01:56:49):
How many months has she been paying the extra fifty
eight bucks? How many months? Seven's?

Speaker 20 (01:57:00):
I gotta pay it some next month.

Speaker 1 (01:57:02):
Yeah, you gotta pay it until it's all paid off.
So she's paid eight payments. They say she should have
never had to pay that because she was on time
every time.

Speaker 7 (01:57:11):
That's what it sounds like. How about I get him
a call right now.

Speaker 1 (01:57:13):
Yeah, but here's the agreement she signed. I mean, why
did you sign that, constance.

Speaker 2 (01:57:19):
I didn't notice this, sir.

Speaker 20 (01:57:21):
I didn't have no glances at the time.

Speaker 1 (01:57:25):
Okay, she was going to pay an extra fifty eight
dollars mine, Okay, until it's paid off. Okay, I'm gonna
have I'm gonna have Deputy D call hold on. Yeah,
this is so basically she's paid seven months of this
fifty eight dollars extra to eat into that five hundred

(01:57:47):
dollars charge or five fifty whatever. And he says, she
doesn't see. What I want to know is if there
was no on site manager and she was going in
a dropbox, how do we know if she paid on
time or not? I would say, though the onus is
on them to prove it. Does she you know she

(01:58:11):
ought to at least look at her canceled checks. But
here's the problem. That poor woman was talked into signing
the repayment agreement. So let's shoe. He's going to talk
to you, Constance, So hold on and we'll figure out
what's going on. Go with a sure thing Denver's Best

(01:58:31):
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until you're content. Time for an insurance checkup free, no obligation.
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(01:58:53):
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two. Hi
Tom Martino here Denverregen dot com for weight loss supplements
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pennies on the dollar compared to the rest on the market,

(01:59:15):
Denver Regen dot com. Okay, now what we're gonna do
is help Hardy out with his mom Constance, who was charged.
She believes late fees when she shouldn't have been. All right,
So now we're back to autos. Finding a car, whether

(01:59:37):
it's for need or for desire. Are most people buying
evs now or are they buying regular cars? The answer
is regular.

Speaker 8 (01:59:45):
Cars, especially with their tax credits are going away.

Speaker 1 (01:59:50):
Yeah, and I think the tax credits. By the way,
this is what's interesting. Tax credits are going away, but
you can get tax car. So you know how they
got around phasing. So you know the seventy five hundred
tax credit that's phased out with income. Tesla's getting around
that with a lease. What they're saying is with a lease,

(02:00:12):
we own the car, you're leasing it, we will deduct
the tax credit for you. In other words, it's not
really a tax credit, but it's a discount. So they're
giving you the same discount. Okay. So, like I said,
I don't need a car. My car will last me,
and it's a nice car. But I tend to get
a little bored with cars. I don't know why. Like

(02:00:33):
my wife said, Tom, this is a beautiful car. It's beautiful.
I mean, why do you want to get rid of it?
I can't even put a reason to it. It's the
same reason I got rid of my last car to
get this one. And I start looking at new cars
and I like, but I have a better reason. When
it comes to EV's I like technology, and I have
not found one ev not one that comes close to Tesla.

(02:00:56):
When it comes to technology, Tesla is so far far ahead.
What I don't understand is why the others haven't caught
up yet. It's not like Tesla is hiding anything, I mean,
their technology. Anyone could buy that car and deconstruct it.
It's not like there's a lot of pat well, there
are a lot of patents. Actually, he has a lot
of patents on his autopilot. But I'm wondering why a

(02:01:19):
company as sophisticated as Mercedes or GM, why don't they
have the autopilot capabilities that a Tesla has no reason. Yeah,
I can't believe the accuracy of an autopilot on TESLAE.

Speaker 7 (02:01:36):
That's crazy.

Speaker 1 (02:01:36):
I can't do they call it autopilot or is that
just me? What do they call it self drive or
supervised whatever? So, when I'm looking at cars, I realized,
if you look at what you need with a Tesla,
that Why is bigger than the Model three. It's smaller

(02:01:58):
than the X, and it to me seems like the
perfect car. They told me the Why is now the
top selling car in the world, above the F one
point fifty and the Toyota, the Toyota Corolla or whatever
they are. They said that the Model Why is the
top selling car, and it has everything in it. It's

(02:02:20):
a beautiful little car, and it's not that expensive. And anyway,
that's what I was told. I looked at the X.
The only problem I have with the Ex is it's big.
I'm ready for a smaller car, and I'm ready to
not really, I don't need all the bells and whistles.

(02:02:40):
I certainly don't need the cargo room I used to
when I used to have horses and I hung out
the airport a lot. I used more of a utility
vehicle or a pickup truck to carry stuff. I don't
need to do that anymore. But have you looked at
the Y The Y is almost the perfect size. Or
do you just not like evs altogether?

Speaker 16 (02:02:59):
I have no interest in ITV. The only only reason
I would get an EV would be for the self
driving feature.

Speaker 1 (02:03:05):
Well, that's kind of I like that, but I also
like the way it's minimal It's got a minimalist interior,
there's no extra crap in it, and everything is on
one screen.

Speaker 7 (02:03:16):
Yep, that's true.

Speaker 1 (02:03:18):
It's so cool. Everything you want is on one screen.
It's basically an iPad. You have an iPad controlling everything.
And my son's car has needed zero maintenance, zero no service.
There's no regular intervals for service either, and breaks last

(02:03:38):
forever because your your your take, you're taking your foot
off the accelerator and you don't need it anyway. I'm
just I'm just blown away by the technology. Now, if
you look closely at the finish and trim of a Tesla,
that's the big downstair, it's not as good. No, it's

(02:03:58):
not the knobs, the the interface, the stitching, the dash,
it's really not as well put together, especially of the
German and Japanese cars. Not even close. But some people
are drawn to that more minimal look. I like the
minimal look, but I would like to see more quality.

(02:04:18):
When you look at that dash up close, or the
stitching on seats, and you look, you realize these cars,
I mean, like it or not. And I know Mark
was here, he'd probably be arguing me. But truly, the
X is trimmed out pretty well, so it's the S,
but not near as nice as an American.

Speaker 8 (02:04:35):
The body panels don't line up as clean as.

Speaker 1 (02:04:38):
You well they I think they've gotten to that point.
But in any case, I'm wondering what I should buy.
First of all, should I buy ICE or EV and
internal combustion engine or EV. That's I still haven't I
still haven't decided.

Speaker 8 (02:04:57):
Well, if it's purely technology, I mean I love technology,
and I love the idea of not buying gas and
just plugging it.

Speaker 7 (02:05:03):
In everything or doing anything like that, I know it.

Speaker 1 (02:05:09):
I mean, like I'm dropping my car for you to service.
It's got to be serviced. I would never have to
drop off an EV. Never.

Speaker 16 (02:05:15):
With all the problems you have with your soundboard at
the home studio, aren't you afraid of you?

Speaker 1 (02:05:19):
Do you better? You better stop that. People don't realize
what I put up with that home studio. There's a
lot of technology. Okay, I have to I have to
go to and from the station here. I got to
get audio from the station. Then I have to send
my audio. That's one component. Then I have the other component,
which is the YouTube part. I did finally get it

(02:05:42):
all worked out. I finally, I swear to God, absolutely
worked out and I got now YouTube getting the same
exact sound as the station. There was a little reason
I wasn't doing it. But people think it's for lack
of knowledge or no how, It's just that, I swear
to you, there are with electronics, anything can go wrong

(02:06:05):
at any time, and it befuddles me. I'm going to
give you an example. I had a setting set at
a setting that it should be set at. Did I
say that right? I had a setting set on a
setting that it should be set at. Dind you understand
what you just said yet? Now hold on, But it
said I had to refresh the setting it got stuck.

(02:06:28):
Now what that meant was I had to go back
and turn that setting off and turn it back on.
Again for it to take effect. Now, really and truly
it worked after I did that. So there are electronics
settings or digital settings that sometimes have to be reset.
Do you remember when a switch was a switch you

(02:06:50):
switched it, you could see it, you could feel it,
you could hear it, and it also showed if you
looked on the back terminals that would connect things. Soft
switches are on everything right now, and soft switches give
you no feedback. I swear to God. One day I

(02:07:11):
didn't know how to turn on my phone. Oh I
got a new phone. I didn't know how to turn
it on. Then I didn't know how to turn it off.
Because to turn it off you don't just hit the
off switch. You gotta hit the off switch in the
volume and then you have to swipe off. Then to
turn it on you have to hit just the top
switch and then it comes on eventually, but not right when.
You can't just flip it on like a switch. You
gotta hold it. Okay. I have an LED flashlight. I

(02:07:34):
couldn't figure out how to turn off. It went into
a blinking mode, it went into a color mode, it
went into a solid mode, And I'm thinking, how about
the off mode? What the hell, because the switch is
not a switch like it used to be. Switches used
to be switches. Switches are now buttons that may do
what you want if you hold it long enough or

(02:07:54):
short enough, or click that. I have one flashlight, you
turn it on now that it's on. If I click
it twice, it goes into a mode. Click at three
times goes to turn it off. I finally figured out
you have to hold it for four seconds and then
it goes off. But these are things in a car
that could be a problem. I mean, think about it now.

(02:08:17):
My son walked up to my car and it didn't open,
and he thought that was barbaric because his little Model
three he keeps a card in his wallet. He never
or a cell phone. I'm sorry, it's a cell phone.
Now he just gets in his car, it opens up.
He presses a button where he goes. No, it knows

(02:08:38):
who you are and where you are. When are they
going to start having I hear the most difficult car
to steal, and I'm wondering when is that going to stop?
Because all it is is an electronic hack. I mean,
all it's doing is reading some kind of an encrypted
code on his phone right and it's like an electronic key. Well,
come on, with all the hack in the world, why

(02:09:01):
haven't they figured out how to walk up to a
Tesla and just drive it away? I'm wondering the least
stolen car in the world. Are Tesla's.

Speaker 7 (02:09:11):
Thieves are inherently lazy? Anyway, They're going to go for
the easier mark.

Speaker 1 (02:09:15):
Yeah, but but but not hackers. Hackers love challenges, and
I'm saying, why haven't they figured out a way to
hack or even through a nearby device? When you see
someone with a Tesla and they walk up to it,
why can't they yeah, or clone the card that's in
your wallet. These are all questions that come up with

(02:09:36):
new technology. And what I like about the Tesla too,
is now they've truly incorporated artificial intelligence. So when you're
in that car, you ask it any question you want.
You can tell to turn on the heat, turn off
the heat. So I'm in my beamer and I have
something called you give it a name, You give your
beamer whatever names. Let's say it's beamer, beamer set frequency

(02:09:58):
to ninety one point one or okay, that's the frequency beamer.
But you can't say beamer. You can say take me home,
or take me to hear it, take me to oh so.
You can say that, but it's short of intelligence. You
can't just say, Beamer, who's getting the best ratings for
Italian food today? You can do that into Tesla, or

(02:10:20):
you can say, Beamer, look up so and so and
tell me the distances. You can't do that. So what
I here's what I predict. Everything's got to go artificial
intelligence because we are losing our patients right now. I
don't Google search anything because I hate the Google results.
I just go to AI and say blah blah blah

(02:10:41):
blah blah, and it gives me all the results. And
I'm being told now fifty to fifty has been taken away.
Fifty percent of searches have been taken away from Google
and are now on artificial intelligence. I use it as
much for a search tool. I use chat GPT and
I had the paid one because I wanted I wanted unlimited,

(02:11:04):
I wanted deep searches. I wanted all of it. And
you know, I realized that twenty bucks a month was easy.
It does everything. I go to it all the time.
I never look at an owner's manual. Ever, I want
to know why they don't incorporate an AI component with
every product you buy where you just say, because who
wants to figure out a product? So I my owner's

(02:11:28):
manuals are chat GBT. When I got that washer dryer
the Samsung, Rather than trying to figure out, I said,
I said where do we put the detergent? And how
do we open the door. It just tells you why
would you look at an owner's manual and try to
figure out the topics, the table of contents and all
of that crap. All right, Deputy d did you call

(02:11:49):
on that?

Speaker 7 (02:11:50):
Yeah?

Speaker 1 (02:11:50):
Tom, I well, because I'm going to do it. I
got to take this break, the break, So we're going
to figure out why this woman was paying so many
late charges coming up. Go with a sure thing Denver's
Best roofer Excel roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up
free no obligation comparison call Compass Insurance paying too much

(02:12:13):
your coverage at dozens of insurance companies find out now
three O three seven to seven to one help. You'll
think you're his only customer When you choose Frank durand
the Real Estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two. Hi Tom Martina here, Andre, what's going on

(02:12:35):
with your alternator? What's going on? Andre?

Speaker 17 (02:12:38):
Hey?

Speaker 24 (02:12:39):
Yes, thanks for getting on a real quick I uh
just had a silly question for your experts there. My car,
when I would drive maybe like thirty minutes, it would
kind of start to lose power and then it would
I wouldn't I couldn't drive it anymore, and uh, I
would go and charge it, yeah, and it would go

(02:12:59):
for it and then it would started giving me problems.

Speaker 1 (02:13:03):
So but but usually the battery once the car started,
you don't use the battery, do you.

Speaker 16 (02:13:08):
Guys typically not know the battery is there to start
the car.

Speaker 1 (02:13:12):
Right and then and then once the car started and
the circuits complete, the alternator circuit runs electricity and then
also charges the battery correct. So then what would give
him his symptoms?

Speaker 16 (02:13:24):
Well, it would be probably a failing alternator by the
way he's describing it. It will run off the battery power,
Oh runs out?

Speaker 1 (02:13:31):
Okay, Okay, got it. So Andre, did you have your
alternator checked?

Speaker 15 (02:13:39):
Yeah?

Speaker 24 (02:13:39):
Now they did tell me so I did have a check,
Like at one of the you know, out of zone places,
and they said, the battery checks out fine and I'm
able to charge it to the full capacity.

Speaker 1 (02:13:51):
It is the alternator, not the battery, the alternator. Did
you have the alternator checked?

Speaker 19 (02:13:56):
So yeah?

Speaker 24 (02:13:57):
The shop said that for them to correctly like no salesnator,
they have to have me buy a new battery.

Speaker 1 (02:14:05):
What that sounds like a sales job. Just how long
would it take you to check an alternator, Kevin, thirty minutes,
thirty minutes, just just get it checked, man, I don't
understand why you would have to buy a new battery.

Speaker 8 (02:14:18):
Unless it fail to test at the shop. You know,
before they tested the alternator. If the battery failed the load.

Speaker 1 (02:14:24):
Yeah, yeah, then you can't tell.

Speaker 8 (02:14:26):
They can't tell properly.

Speaker 25 (02:14:27):
So yeah, I think at the thought of zone they
just check for cold cranking amps, but they don't actually
do a load test correct, which is the shop said
that the cookeraking amps are fine, but then when it
hit a load test it drops.

Speaker 19 (02:14:43):
Yep.

Speaker 16 (02:14:43):
Well, you could have a weak battery, especially if you've
been having a week alternator and the vehicles. You could
have a battery come up down there.

Speaker 1 (02:14:51):
How many times do batteries go up and down before
they quit. If you had to do that a lot
short cycle them, would that hurt?

Speaker 8 (02:14:58):
That they can hang in there for a while, But
you can't get an accurate test on a defunct.

Speaker 1 (02:15:03):
So Andre maybe that they're right about that, But don't
buy the battery. Just go go have it checked well
at a place. Just go have it checked.

Speaker 24 (02:15:13):
If my battery is kind of flaking out, I was
going to ask them if if they could just replace
the alternator with my battery, charge it. I'll take it
to you know, Costco, get the the warranty, you know,
get up.

Speaker 8 (02:15:27):
They're gonna want the battery first because you can damage
the new alternator with a defective battery, So you can't.
That's the problem.

Speaker 7 (02:15:35):
Get the battery, take.

Speaker 1 (02:15:36):
The battery back and get a new one, and then
take it over to share it an auto tech. Listen, Tom,
all used cars come with broken things or they're going
to break, So don't buy used carunless you're ready to
repair it. True words were never spoken. Okay, Tom, We
do not buy new vehicles until we need them. My
two thousand ram ran two hundred and thirty eight thousand miles.

(02:15:58):
My wife's two thousand fifteen m one hundred and sixty
five thousand. Oh my god, Tom, can you also respond? Okay,
never mind, this guy wanted to know about a five
hundred dollars deductible insurance. I never recommend it, ever, ever, Ever, Tom,
I drive a twenty twenty. Well, let me explain that.
Because you're a five hundred dollars deductible. People think, then
if I have a thousand dollars or fifteen hundred or

(02:16:19):
two thousand dollars claim, I only have to pay five
hundred and I get to use it. But if you
put in small claims like that, you'll be canceled and
never be able to buy reasonable insurance anywhere. So you
should just do for what the like a one thousand
or two thousand dollars deductible, maybe twenty five hundred, then
it would be worth putting in the claim. Okay, By
the way, somebody wants I drive a twenty twenty RAM

(02:16:41):
fifteen hundred, took a rock in the highway at cracked
the front lens of my headlight. I'd like to get
it fixed, but it's about nine hundred dollars with parts
in labor. Do you recommend filing insurance claim?

Speaker 13 (02:16:54):
No?

Speaker 1 (02:16:54):
I do not if you filed an insurance claim for
a headlight, they also go buy what you claim, not
just how many times you claim, but what you claim.
That is the problem. And if they see it's a
headlight or something minor like that, you're going to get
a bad, bad rating. You will. They actually keep track
of that on what you claim. Now, Deputy Dimitri, what

(02:17:17):
was the Mitsubishi issue you took on.

Speaker 18 (02:17:19):
Well, you may recall that Tina called this because her
Mitsubishi had a check engine light and she took it
over to South Park Auto and they recommended EGR cleaning.

Speaker 1 (02:17:31):
That's right. Then they cleaned it, the light came back on,
and then they said you need to replace it. But
instead she simply got the computer reprogrammed for free at
the dealer.

Speaker 18 (02:17:41):
Yeah, she took it for a second opinion over at
Kevin's shop at shared An Autotech, and Kevin said, hey,
there's a TSB on it. And instead of doing all
this work, the first thing that TSB recommends is that
you have the computer reprogrammed. So I spoke with Tina.
She got it over to the dealership. They did the
software update for free, and the check engine light never
came back So the discussion we had a few minutes

(02:18:03):
ago here was was this cleaning really necessary? So I
called South Park. The gentleman I spoke with as familiar
with this Wark order, he was their service advisor, and
he said, well, look, you know the tube. He said
that cleaning was necessary because we looked inside of it,
and he said the tube was clogged. Now, so he

(02:18:26):
stands by their service.

Speaker 1 (02:18:28):
But for twelve hundred bucks.

Speaker 18 (02:18:30):
Well, you know, I've never had that service done. I
have no idea what it should cost. And I said,
look that it probably wasn't It wasn't necessary in some
people's view, based on the fact the engine light came
back on. And at that point you guys recommended a
new EGR valve, which they did. Now to their credit,
they offered to do it with no labor, just pay

(02:18:51):
the approximate eighteen hundred bucks for the part. And I said,
that doesn't really prove a whole lot because once she
got the TSB service done as recommended, the light never
came back. So we're kind of at an impasse. It's
not an easy position to be in for any of us, Tom,
because none of us were really there to look inside
the EGR to see if that cleaning was actually necessary.

Speaker 1 (02:19:12):
That's right, Kevin. Anything to say on that.

Speaker 7 (02:19:15):
No, that's it. It's a hard one to be with.

Speaker 18 (02:19:17):
It is a hard one. And when I did raise
the issue of having possibly read the TSB first, he
said that they don't have access to Mitsubishi tsb's in
their system.

Speaker 1 (02:19:28):
Well, so they should, you know, I agree they should.

Speaker 5 (02:19:31):
So.

Speaker 18 (02:19:31):
I guess the moral of the story is be careful
where you take the car. Take it someplace like you
know Kevin has and Jeff has access to tsb's.

Speaker 1 (02:19:40):
All right, I got to take another break on FOURTHD
to have it. I'm a little bit behind here, and
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