The Troubleshooter 9-22-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped up.

Speaker 2 (00:07):
Need advice, so you don't have.

Speaker 1 (00:12):
Come running. Just as fast as we can. Shooter's gonna
help coming.

Speaker 3 (00:19):
Man Dix is the Troubleshooter Show. No Tom Martine.

Speaker 4 (00:25):
Hey, I'm Tom Martino. Welcome to the show. What's going
on in your life? How can we help you?

Speaker 2 (00:30):
Well? I got a lot to talk about today, a
lot going on in consumer news.

Speaker 4 (00:35):
And also I got a big reaction to the show
I did on health.

Speaker 2 (00:41):
So I did something very very convenient.

Speaker 4 (00:45):
I summarized it all and I'll go over just a
few main points. It's impossible for me to answer all
of the text and emails about it. Apparently a lot
of people in my audience care about health. And I
had a very forward thinking doctor on last week who
talks about metabolic health.

Speaker 2 (01:05):
That's all he.

Speaker 4 (01:06):
Talks about, because everything is concerns the full metabolism. He
doesn't believe in segregating diseases, and he breaks them all
down into metabolic health basically. So I'll get to that.
I also Bob logan with me from plumb Line services.
For those streaming, I'll go to my new wide shot
that I love. Good morning and good morning Bob, Good morning.

(01:30):
So right now is the shoulder season. We say that
a lot, but in Colorado there are many air times
when we can get a jump on our systems. Yes, okay,
so the jump on our system meaning it's not too cold,
it's not too hot. It's obviously a time to pay

(01:50):
attention to furnaces. If you pay attention to furnaces, you
will stave off serious albums. Right now, someone told you
you needed a new furnace, you could literally shop either
you're not under the gun, you're you're not.

Speaker 2 (02:08):
It's not going to be zero tonight.

Speaker 5 (02:11):
And that's a great thing for consumers during the shoulder
season is they do have time because if it's in
the seventies during the day, it doesn't get too cold
at night or too hot, then they do have some
time to make a wise decision. But that's also the
best time for consumers because that's when all manufacturers dealers

(02:32):
like ourselves, you know, it's the calls are not being
drink heats or stream colds, and so that's when you're
gonna get the best deals from from anybody in Colorado
because you have.

Speaker 2 (02:45):
Stuff lying around you want to sell.

Speaker 6 (02:47):
That's right. We need to we need to move some inventory.

Speaker 5 (02:49):
We need to make inventory for uh winter, you know, furnaces,
and so.

Speaker 2 (02:55):
It's a good time.

Speaker 6 (02:56):
It is a good time.

Speaker 4 (02:57):
It's a bad time when it's cold in everybody he
wants one and every and and people have major failures.

Speaker 2 (03:04):
It's a terrible time.

Speaker 4 (03:05):
So anyway, we call shoulder seasons the time between winter,
summer and winter our summer and fall and winter fall
and winter really and then we have a period in
the springtime when it's not too hot, not too cold.
And these shoulder seasons are actually the best seasons. They're
probably the slowest seasons when consumers don't look for these things,

(03:28):
but they should, they absolutely should.

Speaker 2 (03:30):
Okay, our number is three oh three sixty.

Speaker 4 (03:35):
Let me give you a three oh three seven to
one three talk seven one three eight two five five,
and then our.

Speaker 2 (03:43):
Twenty four to seven number plus now.

Speaker 4 (03:45):
Is three oh three Martino, three oh three six two
seven eight four sixty six. Nicole has an issue with
a condo, Nicole, what's going on with you?

Speaker 2 (03:54):
What's happening, Nicole?

Speaker 7 (03:57):
Yes, Hi High had.

Speaker 8 (03:59):
Water damage just done by my neighbor above me.

Speaker 4 (04:03):
Now are you in a condo right, You're in a condo.
What floor are you on.

Speaker 9 (04:10):
The second floor.

Speaker 4 (04:12):
You're on the second floor, okay. And then the person
above you. Did they do damage to anyone else or
just you?

Speaker 8 (04:21):
That person below me?

Speaker 2 (04:24):
Okay? Now what's being done about this? What?

Speaker 9 (04:27):
What?

Speaker 2 (04:27):
What? How was the flood caused?

Speaker 8 (04:30):
From what I found out is from their water heater
broke blasted and they didn't catch Of course I was
away for a couple of days. I didn't notice that.
I don't even know how I would be able to
stop it. And my neighbor below me foor away. He
came back home, found water all over his floor, thought

(04:53):
it of me. I came home. My complex is like
a humet swamp. Water on my floor, My ceilings.

Speaker 4 (05:03):
Has been okay, first and foremost to Cole, let me
ask you something. Let's follow the domino effect. Did the
did the damage upstairs get fixed?

Speaker 8 (05:15):
Yes?

Speaker 2 (05:17):
Okay?

Speaker 8 (05:18):
Now told me that they get fixed?

Speaker 2 (05:20):
Okay.

Speaker 4 (05:21):
Now, depending on the bylaws, the way that usually works,
the person that causes the damage, their liability insurance has
to fix what went wrong.

Speaker 2 (05:34):
So what is damaged in your place.

Speaker 8 (05:39):
As far as right now is just my ceilings.

Speaker 7 (05:42):
Ceiling, part of my walls.

Speaker 8 (05:46):
It says damage right now, and the electrical outlet, and
the person below me none of his outlets even work,
like none of his life doing turned on.

Speaker 2 (05:54):
Okay, what's the person below you doing?

Speaker 8 (05:57):
He went through water mitigation and got his place right
up and got to estimate it.

Speaker 2 (06:04):
And who paid for that? That?

Speaker 8 (06:07):
I don't know?

Speaker 2 (06:09):
Okay, did you do any of that water mitigation? Uppy Nicole?
When did this happen?

Speaker 8 (06:16):
I found it Monday? I guess it happened on a Thursday.

Speaker 2 (06:20):
Monday, meaning a week ago Monday.

Speaker 8 (06:23):
This like, yeah, week go Monday.

Speaker 4 (06:27):
Did you have any company out to suck up the water?
Did you do mitigation?

Speaker 8 (06:32):
Yes?

Speaker 2 (06:32):
Service pro? Okay? Good.

Speaker 4 (06:35):
The reason I say good is because it's your obligation
to stop damages.

Speaker 2 (06:40):
Now do you have insurance that will cover water pro
or service pro?

Speaker 8 (06:48):
Yes?

Speaker 2 (06:48):
Okay? Now what are you calling you?

Speaker 4 (06:51):
What specific questions do you have first? And then we'll
talk about what to do in general.

Speaker 8 (06:56):
Well, it's getting a hold of the landlord above me.
Guess it's a renter. I have heard from.

Speaker 2 (07:04):
The management company.

Speaker 4 (07:05):
Should the management company or the hua should be forthcoming
with that, that should be no problem?

Speaker 2 (07:11):
Are they willing to give you that information?

Speaker 8 (07:15):
I called the landlord myself and see didn't give me information.

Speaker 2 (07:21):
What do you mean the landlord you so you know
who the landlord is.

Speaker 8 (07:25):
I called him. I've never met him. I only met
his renters upstairs.

Speaker 4 (07:30):
Okay, you can serve the landlord by going upstairs and
serving that landlord, not you, but someone else.

Speaker 2 (07:37):
If you want to go.

Speaker 4 (07:37):
To small claims court, you're looking for someone to cover
your damages, it's obvious that the floor above you, the
owner of that unit, is responsible to you. The way
it should be done, though, the easiest way for you
is to have your homeowner's policy cover you fix everything.

Speaker 2 (07:58):
Then they will go.

Speaker 4 (07:59):
After the policyholder upstairs. That's the way to do it.
Otherwise you have to start fighting with this guy upstairs
or this woman upstairs, along with their insurance company. That's
why you have insurance to take care of situations like
this and then let them worry about you know, excuse me,

(08:21):
and then let your insurance company worry about collecting. So
why don't you just cover it through your own insurance
company and let them subrogate with the person upstairs.

Speaker 2 (08:32):
Okay, that's the best way to do it. What is
your deductible five grand? That's a lot of money. Now
it is.

Speaker 4 (08:43):
However, However, it's pretty practical in today's days because insurance
has gone up seventy percent on average.

Speaker 2 (08:52):
Can you believe that seventy percent? Seventy percent? Now?

Speaker 6 (09:02):
I know?

Speaker 2 (09:03):
But still rates are great, are are high. Here's what
I'd like you to do.

Speaker 4 (09:09):
I'd like you to put it in with your insurance
and then you need to start a small claim action
to collect your deductible from the insured upstairs from the landlord.

Speaker 2 (09:20):
So you have two things going on.

Speaker 4 (09:23):
You will get your insurance involved and your insurance will
go after them, and then I want you to go
after your deductible, which is five thousand dollars.

Speaker 8 (09:34):
Yeah, my insurance. I'm not like on the law side
of my insurance. They call me and they're going to
do that, but they're looking at maybe getting me only
eighty five percent of my deductible back.

Speaker 2 (09:49):
Now, why is your insurance hold on?

Speaker 4 (09:52):
Why would your insurance only get eighty five percent of
your deductible back?

Speaker 8 (09:57):
Because they're bang on the fact that he made it
have enough money to cover my unit damage? The unit
below means damage like you had a whole stop story.
Why he may not have money?

Speaker 4 (10:09):
Well, Nicole, it doesn't you can. I'm telling you take
whatever you can get. If he doesn't have any money,
it's going to be hard. Now are you talking about
the tenant.

Speaker 2 (10:21):
Or the landlord?

Speaker 8 (10:22):
The landlord?

Speaker 4 (10:24):
I would still I would start a lawsuit to get
the five grand. If your insurance company thinks they can
get the eighty you know, eighty five percent of it.
I mean, if you're willing to settle for that, go ahead.

Speaker 2 (10:36):
I mean.

Speaker 4 (10:38):
It's you know, that's really up to you. Do you
that five thousand is hard to come by?

Speaker 8 (10:45):
I imagine I'm not too happy about just eighty.

Speaker 4 (10:51):
Well, actually it's not that bad. They can get forty
two dollars of your five thousand. I may let him
do it. I just did the I just did the
man eighty five percent. Yeah, that's not bad.

Speaker 2 (11:02):
Listen.

Speaker 4 (11:03):
I would let my insurance company handle it, I really would.

Speaker 10 (11:06):
I have a question, Tom, go ahead, can Nicole what
if she starts a small acclaim action? Can she actually
serve the tenants in that apartment?

Speaker 2 (11:16):
I would? I would.

Speaker 4 (11:17):
I would serve the tenants, but I would also try
to find the landlord and when the landlord lives.

Speaker 2 (11:23):
But that is an address for the landlord.

Speaker 10 (11:26):
Right, But serving the tenants would be in effect also
serving the landlord.

Speaker 4 (11:31):
Well, it could be okay, you put it in the
in the landlord's name and serve upstairs, but I would
also try to serve them where they work or live.
But listen right now, what I would do is keep
it where it is. I would keep it where it is.
Let your insurance company fight it for you. I'm Tom

(11:53):
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(12:14):
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(12:39):
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Speaker 2 (13:01):
That's where I'm That's where I'm.

Speaker 4 (13:02):
At, and I've already I've already interviewed three twos constructor. Hey,
I'm Tom Martinez, your troubleshooter, and listen. You know, the
condo issues are not ever easy. That's why you know,
Bob Logan and every every company I know with HVAC

(13:22):
and water and all that, they don't work on condos.
They don't if they worked on a water heater and
it failed, they don't want that responsibility, Bob.

Speaker 2 (13:30):
People are finding it harder and harder.

Speaker 4 (13:33):
Bob is with plumb Line Services, one of my longest sponsors,
by the way, on this show, right way back when
they started. I swear to god, they are such a
giant company now and I remember their roots two or
three vans and Jeff. I still keep in touch with Jeff,
the original owner, and now Bob is an owner.

Speaker 2 (13:53):
So, Bob, what do you do? What do people do
with condos? I mean, you will you guys work on
town homes.

Speaker 5 (14:02):
We'll work on town homes if they're a single story,
so side by side.

Speaker 2 (14:08):
Side by side, you know, multiplex, because all those mechanics
confined to one area that's that's correct, or one one place.

Speaker 5 (14:14):
And so even you know, we did about thirty percent
commercial work up until about six years ago, and I
made the decision when I bought the company that that
we're going to be the best residential service provider in
the state. Now, again, condos, apartments, those are residential, but
but they're commercial buildings and so they share a lot
of the same drain lines.

Speaker 4 (14:36):
There's that's tough because if you clean out a local
service line for a condo that goes into a massive
you know, conduit that everyone uses, and you have backups
and it's not your fault, and.

Speaker 5 (14:50):
And it's hard to identify. Sometimes those buildings were not
plumbed correctly to begin with, and so there's many times
we might be making a drain in one condo and
that drained line ends up going to the condo next
door below, and if it's not plunked properly, it could
pop through the drain line and cause tons, tons of damage.

Speaker 2 (15:12):
So what I want. Yeah, what I want to do
is I want to know if anyone knows companies at
all that deal with condos.

Speaker 4 (15:21):
Town homes are different. They're side by side and they're
kind of complete homes onto themselves. I'm talking about shared stuff.
Bo's taking a look at a few of them for us.

Speaker 2 (15:33):
Bo. You took a look at him, and I never liked.

Speaker 10 (15:39):
Doing them either when I was in business, because you guests,
you have so much liability.

Speaker 2 (15:44):
Just so, the one you've looked at, what is that
thing called the chiller that people, oh, the.

Speaker 10 (15:48):
Vaporative cooler, that generic term as swamp cooler.

Speaker 2 (15:52):
But they use those in condos, No, not really, they
use them in sid But what was the thing you
looked at?

Speaker 4 (15:59):
You said that was leaking and it broke and it
was the condos problem, not hers, but she still had
to fix it.

Speaker 10 (16:07):
Anyway, there's a condensate line from a mini split system,
I believe, so condos share.

Speaker 4 (16:15):
If you have a condo, and I'm talking to condo
owners right now and then at Eduardo, I'll get right
to you.

Speaker 2 (16:22):
But as a.

Speaker 4 (16:23):
Condo owner, I get a lot of condo owners listening.
I know I do because my emails so if you're
in a condo, do you have your own furnace for
that unit or do they use heat pumps?

Speaker 2 (16:36):
Or how how are they usually are? They? Are they everything?
They could be anything? Yeah, it depends. You know.

Speaker 10 (16:42):
A lot of big, big complex is use a boiler
and the whole place.

Speaker 4 (16:47):
And if you have a boiler that sends hot water
heat to every condo, how do they build them for it.

Speaker 6 (16:52):
They're all zoning systems.

Speaker 4 (16:54):
Oh, they's zone, so one boiler produces it. But then
you can throw your zone correct. Okay, so by controlling
your zone. Do they have a meter on that or something,
or do they just charge per square foot?

Speaker 2 (17:11):
I'm wondering how that works. Normally they have a timer.

Speaker 10 (17:14):
They'll have a timer in the basement and then they'll
read how many hours that zone valve was open.

Speaker 2 (17:20):
And they can build it that way. Oh okay, in
my building, I just charge them.

Speaker 10 (17:24):
They just build it into the I just build it
into the rent.

Speaker 4 (17:27):
So heat is included with the rent. And you have
a big boiler. Yes, okay. And by the way, I
say big boilers, big boilers are old.

Speaker 2 (17:36):
New boilers are small.

Speaker 4 (17:37):
Bob I am oh my god, I had a boiler
replaced one time, many years ago.

Speaker 2 (17:46):
It was probably the almost the size of a of
a of a small bed in a pickup in a
small pickup truck. Okay, I had a footprint.

Speaker 4 (17:56):
Take the little downsized pickups that that was maybe the
foot print or maybe half of that. And the new
one looks it looks like a giant bread box.

Speaker 2 (18:07):
It is amazing to me.

Speaker 4 (18:09):
I think, are people building new water heat systems? Now?

Speaker 2 (18:15):
Are they building water heater systems?

Speaker 11 (18:17):
Oh?

Speaker 2 (18:17):
Yeah, absolutely as a main source of heat, yes.

Speaker 5 (18:21):
Yeah, we we they're so efficient. We still install quite
a few boilers, and so you.

Speaker 2 (18:28):
Got to plumb the whole house for a boiler.

Speaker 4 (18:30):
You got to plumb the whole house for a boiler obviously,
and they're called radiators because heat radiates from them. But
they're even those are so more efficient than they used
to start.

Speaker 6 (18:40):
Very efficient.

Speaker 2 (18:40):
Yeah. So the parts of a boiler. You have the boiler,
then you.

Speaker 4 (18:45):
Have the manifolds which distribute the hot water to the rooms,
and then each room has a cutoff valve to let
the hot water enterround.

Speaker 2 (18:54):
Do they zone hot water or.

Speaker 6 (18:56):
They do zone?

Speaker 5 (18:57):
Yes, And so you know, people might be familiar with
like electric heat, where you have the electric baseboard heats
or the old radiators. And where you see the radiators,
the big radio. You know, they're always in horror horror movies.

Speaker 2 (19:11):
Yeah, exactly.

Speaker 5 (19:13):
So yeah, and now radiant radiant floor heat is really
the direction of most.

Speaker 4 (19:18):
If you are building a house right now, building one,
and I'd like to ask people this, what heat would
you put in your home? I mean, there are so
many choices right now. I love radiant heat in the floors.
Is it efficient?

Speaker 5 (19:32):
It is efficient, yes, because it's a closed loop system and.

Speaker 2 (19:37):
It doesn't make a lot for the house to feel comfortable.
Does it correct? But does it warm the air at
all or mainly just people and items? No, it does,
it does.

Speaker 9 (19:49):
Yes.

Speaker 5 (19:50):
If you walk into a home that uses a boiler system,
you know, let's let's say a new build that has
installed the boiler system, it'll be a very comfortable heat.

Speaker 4 (19:59):
So the boiler system with radiant floor heats. Can radiant
floor heat come through carpeting?

Speaker 6 (20:05):
It can, yes, but yeah is that normally? But typically
it'd be hardwood tile, so you would.

Speaker 4 (20:11):
Have less carpeting in a home with Yeah, and you'd
have less carpeting obviously in a.

Speaker 2 (20:18):
Home that enjoys. You know, radiant heat.

Speaker 4 (20:23):
I've heard radiant heat can be put in walls and
ceilings as well.

Speaker 5 (20:27):
Yeah, and again, now you're getting to the technical side
of the iragain.

Speaker 2 (20:31):
And then they have electric radiant heat for ceilings. I hear. Yes,
there are so many choices.

Speaker 4 (20:37):
I'd like to hear from people who actually and I
could include my YouTube morons, but there's so such morons
that I'm not sure they even they even know what
I'm talking about. But a lot of them are up
on stuff. So what I'd like to do is ask
my morons basically, seriously. Now, I'd like to know some

(21:00):
of the most creative heating systems you've come across, and
I'd like to know what you're using right now in
your home. This home I have here has just hot air.
Hot air is very inefficient, isn't it?

Speaker 2 (21:13):
A furnace just blowing hot air is inefficient In general.

Speaker 5 (21:16):
It can be depending on how well insulated your home
is and the efficiencies of the furnaces.

Speaker 2 (21:21):
As a heat source. It's heating up.

Speaker 5 (21:24):
Air correct And that's where you know, we talk about
humidification all the time in Colorado because Colorados are a
dry heat and if you add a humidifier to your system,
it'll hold that heat. It'll be much more comfortable. Oh really,
not to mention the benefits.

Speaker 2 (21:38):
So wait a minute, your If you have.

Speaker 4 (21:41):
Hot air heat and adds humidification, the heat lingers longer.

Speaker 5 (21:46):
Yes, And and you walk into a home that has
properly controlled humidification.

Speaker 6 (21:52):
And you use less, it is very you'll lose.

Speaker 5 (21:56):
You'll use less heat, it's more comfortable, and there's benefits
for allergies, hardwood floors, static electricity. I mean, there's so
many benefits to humidification.

Speaker 4 (22:07):
And by the way, today's business idea, start a company
that exclusively deals with condos. My god, I mean, there's
so much in demand and so many companies are turning
them down. So start a company that exclusively deals with
condos and town homes and especially condos. And then what

(22:31):
you do is you sign an agreement with the hoa's
and then you split according to what you're doing. If
you have to do a repair in a condo that
goes into some common area plumbing, I know it would
be a pain in the ass, but it would be
a niche and it would be instant business.

Speaker 5 (22:49):
Well, and Tom, here's here's my philosophy on that, And
I don't want to bad mouth competitors. No, we have
so many, so many good competitors in Colorado and uh,
but but in residential the barrier to entry is much lower.
And so when you do commercial work, when you're in
a commercial building, typically those building owners or landlords and

(23:12):
management companies that are going to require all the licensing
and insurance information, all that.

Speaker 2 (23:18):
You have to have way more than normal.

Speaker 5 (23:20):
Well not only way more, but but in residential there's
nobody really regulating it. You're supposed to pull permits, and
we do on every single job.

Speaker 2 (23:29):
What you're saying is but with a lot more.

Speaker 5 (23:33):
Major of our competitors are not licensed properly. They're not
qualified to do the work. They don't pull the permits
that are necessary.

Speaker 4 (23:39):
Wait a minute, are you telling me right now there
are ACAC companies right now that advertised.

Speaker 5 (23:44):
BAC plumbing electrically you don't have permits? And absolutely are
you probably the majority are you competitors?

Speaker 4 (23:51):
Come on, are you telling me there are plumbing companies
that don't have master plumbers?

Speaker 6 (23:56):
Absolutely?

Speaker 2 (23:56):
How do they get away with it?

Speaker 5 (23:58):
Well, either they don't pull the permits or they hire
an outside master plumber to carry a license for them.

Speaker 4 (24:04):
But there's nothing wrong really with an outside master plumber
technically if you.

Speaker 5 (24:08):
Have as they're overseeing the work as as long as
they truly are.

Speaker 2 (24:13):
Some of them just you just buy their you're just paying.

Speaker 6 (24:17):
It's a retired plumber. He's looking to make a little
extra money for five.

Speaker 2 (24:21):
Hundred bucks and he sits. He never goes into pum.

Speaker 6 (24:23):
Never goes into the homes, he never monitors the work.

Speaker 4 (24:26):
And well is a master plumber supposed to monitor the
work like literally inspect it? What does it mean to
be working under a master license?

Speaker 5 (24:34):
You need have oversight of the job, so direct overside
of the job. That doesn't necessarily mean.

Speaker 4 (24:39):
That could get a plumber in trouble though, if there's.

Speaker 6 (24:41):
There they're required.

Speaker 5 (24:43):
If they're retired, they have no fear of losing their license.
So so if if by chance the city or the
state would come after their license.

Speaker 4 (24:52):
I see, I saw a company, I'm know of a
company several but over the years, a company that had
a master plumber that was retired, and I asked, how
does that work? And they said, oh, he's on the
books as our master plumber. I said, well, does he
inspect the job. No, do they call and ask him questions? No,
they say, our journeyman no more than he does. And
he's just he has the master plumbing license and that's required.

Speaker 2 (25:16):
And I said, and.

Speaker 5 (25:18):
Again, these people, the technicians are licensed, their journeymen or
they have their proper licenses.

Speaker 6 (25:24):
They're probably doing great work.

Speaker 2 (25:26):
Right so, but technically the master plumber is the overseer.

Speaker 5 (25:31):
I'm all I'm saying is that is that the majority
of the people in our industry should not be doing
the work.

Speaker 4 (25:38):
Okay, that's a bold statement. Do you have names and numbers? Now,
I'm just kidding. I don't want to put you out there.
Here's what I want to ask though. Are you saying
there are some that have a retired master plumber?

Speaker 2 (25:50):
Okay? But are there some that have no licensing wants so.

Speaker 5 (25:54):
You know they use handyman or they then any plumbing
and when is I don't want to stereotype, because there's
there's great handymen, right there's there's people that do a
lot of Really no, I.

Speaker 2 (26:04):
Understand they might have skills up, but they're not doing
it legally correct and they don't have the insurances to
cover them if they screw up. So what I want
to know is what requires a plumbing license? That's what
I want to know.

Speaker 4 (26:15):
What literally can I put in a garbage disposal? Can
I change a faucet? Washer or whatever they call them?

Speaker 2 (26:23):
Now? I want to know that coming up? I want
to know what where do you need a license? I
want to educate my people who care about getting licenses.
I actually had someone who wanted to know who does
plumbing under the table. They don't want, they don't care.

Speaker 4 (26:38):
People sometimes just care about price and they don't care
about your license or pull or permit until something goes wrong.
And I had a guy doing I'm going to tell
the story about the twelve hundred dollars furnace. Oh my god.
And he advertised on this show more coming up on that.
All your calls three oh three seven one three talk

(27:00):
three O three seven one three A two five five
go with a sure thing Denver's Best Roofer Excel roofing
dot com.

Speaker 12 (27:13):
You don't pay a cent until you're content.

Speaker 4 (27:18):
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.

Speaker 12 (27:29):
You'll think you're his only customer.

Speaker 4 (27:31):
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.

Speaker 2 (27:40):
Your cost not cost, but it would have been a pang.

Speaker 4 (27:43):
Hi, Tom Martino, here, you're a troubleshooter. Okay, let's go
to the phones and uh, what's on your mind today?

Speaker 2 (27:51):
And how can we help you?

Speaker 11 (27:53):
Lloyd? Okay, so I have some problem with a Breaks Plus.
I brought my car into Breaks Plus yeah in December
to do some power steering to have them look look
and fix my power steering from.

Speaker 4 (28:13):
Now so way so before this is what I need
to know, Loyd. So when you went in there, you
knew you had a power steering problem, yes, okay, And
what happened?

Speaker 11 (28:30):
So they told me that they needed to do more
than just a power steering and they needed to do
the racing pinion also to fix the problem. I said, no, no,
I just need you to do the power steerings and
so they said, okay, we'll do the power steering and

(28:52):
they charged me nine hundred dollars to do that to
power steering.

Speaker 4 (28:56):
But now, why did you bring up the racking pick?
Why did you bring up the rack and pinion? What
did that? Did that give you a clue?

Speaker 2 (29:04):
Did? No? No? I mean, why did you bring it up? Lloyd?
Why did you bring it up in our conversation? Now?
Did you think that was I.

Speaker 4 (29:13):
Needed to know that because you thought maybe they were
trying to sell you something that you didn't need. Yeah, okay, okay, gotcha.

Speaker 2 (29:23):
Right?

Speaker 4 (29:24):
So they how much do they charge you for your
transmit for your power steering?

Speaker 2 (29:28):
How much did they charge you?

Speaker 11 (29:31):
Nine dollars?

Speaker 2 (29:33):
Okay? So what's the problem now, sir?

Speaker 11 (29:37):
Okay? So when I when they when I brought the
car and they sold that, told him do the powers there?
And they wanted great, do the rack and perid also okay,
gotcha to get to that boy.

Speaker 2 (29:49):
Okay, yeah, go ahead.

Speaker 11 (29:50):
Then so then.

Speaker 2 (29:53):
They did.

Speaker 11 (29:54):
I told him, no, don't do the rack and panion,
just do the power staring. So right, and nothing was done.
It was the same way as when I brought it
in there. I could barely turn the steering wheel.

Speaker 4 (30:07):
Wait a minute, you paid nine hundred bucks and it
had the same exact problem.

Speaker 11 (30:14):
Yes, you told me they couldn't do nothing about it
because they said exactly I said, that's what happened. I
gave nine hundred dollars and got the car back the
same way I brought it in there. And I said,
what's the name?

Speaker 2 (30:27):
Oh wait, wait, yeah, it's breaks Plus? But which breaks plus?
Was it?

Speaker 11 (30:33):
The one on thirty fifth in Tower Road?

Speaker 2 (30:36):
Okay? So what do they when? Listen?

Speaker 4 (30:38):
This is a pretty obvious question, but I need to
ask it. So as soon as you get your car
and you have the same problem, I would have gone
back and say, hey, guys, I paid you nine hundred
bucks and I still have the same problem.

Speaker 7 (30:52):
I did.

Speaker 11 (30:53):
I did exactly that when they gave us, and.

Speaker 2 (30:56):
What did they say?

Speaker 11 (30:58):
We got into a big argument. We got into a
big argument inside the store.

Speaker 2 (31:04):
Like almost almost fisticuffs kind of argument.

Speaker 11 (31:09):
Yes, And one of the guys started to threaten me.
He's he told me. If I don't, he's threaten me
and told me if I don't be quiet and quit
using foul language, he's going to jump across that tunnel
and bust me upside the head. Uh oh, Because there
was foul language being used by both sides. Because I was.

Speaker 2 (31:34):
So where are we where do we stand right now? Sir?

Speaker 11 (31:39):
Okay. So, so what happened is the manager wasn't actually
there at that point. So the next time they said,
well we're going.

Speaker 2 (31:50):
Wait wait did they say when you went back and
said it's not fixed? They say, well redo it?

Speaker 11 (31:58):
No, they told me they told me they told me
to bring it back. Well wait a minute. Okay. So
when I first got it back from him and they
said they did what they we they said they was
gonna do. But I left with it the same way,
and I back the next day or so later because

(32:19):
the manager wasn't there at that time, all the manager
go back the manager. When the manager was there the
next Monday, and I to him and he said, well,
you bring it back in. He told me to bring
it back in and he'll make sure everything is okay.
He's gonna make sure we do what needs to be done.

(32:40):
So I brought it back in that next day Monday,
and the manager looks over it and says, okay, you
are going to need a recompenion your whatever. We do
need to do that. And I said, well, y'all, okay,
hold on.

Speaker 4 (32:55):
Hold on one second, I gotta I gotta take a break, Lloyd,
this is really interesting. I want to try to help you,
and I'm hoping we can hang on.

Speaker 2 (33:01):
I'm Tom Martino.

Speaker 4 (33:07):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 12 (33:11):
You don't pay a cent until you're content.

Speaker 4 (33:16):
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 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,

(33:42):
Welcome to the show. Three O three seven one three
talks seven one three eight two five five All right, Hi,
Bob logan with me from Plumbline Services.

Speaker 2 (33:51):
I have one quick.

Speaker 4 (33:52):
Text that they want to know they wanted to do
and I don't.

Speaker 2 (33:56):
I'll take these calls, so hang on. If you're a
caller but they want to know this, It's very simple, Bob.

Speaker 4 (34:02):
If you want to add radiant heat, I mean that
is it almost impossible on a ter retro house.

Speaker 6 (34:08):
You ever done that a complete remodel.

Speaker 4 (34:10):
Yeah, you got to pull up all the floors right, yes,
and then work.

Speaker 2 (34:14):
Is it a wire, No, it's a little tube.

Speaker 5 (34:17):
You'll never I don't never did good idea, It'll never
be worth it.

Speaker 4 (34:21):
Okay, now now listen A Lloyd breaks plus. I want
to have Bo talk to you off the air and
we'll take you right after the news.

Speaker 2 (34:31):
So hang on bo a Lloyd.

Speaker 4 (34:33):
I mean Bo will talk to Lloyd, So get his number.
Kachina and Cheryl, you're first up out of the break.
Your sister was scammed out of money. We want to help.
I promise you this is where we shine. Hang on
go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 12 (34:52):
You don't pay a cent until you're content.

Speaker 4 (34:57):
Time for an insurance check up free, no obligation in comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two yeah, ripped.

Speaker 1 (35:23):
Of news you needed, that's who.

Speaker 2 (35:28):
You don't have.

Speaker 1 (35:31):
Come runings as fast as we can show Shooter's gonna
help coming.

Speaker 3 (35:38):
This is the Troubleshooter Show, now, Tom Martinez.

Speaker 2 (35:54):
Are we on?

Speaker 4 (35:55):
Ye? It's eleven oh seven? Are we on the air?
I didn't even hear the opening. I mean it would
have been nice you gave me a little cue or something,
for God's sakes.

Speaker 2 (36:07):
Yeah, I'm a curmudgeon. All right, I want to talk
to Cheryl.

Speaker 4 (36:12):
By the way, how long were you listening to my
private conversation before I realized I was on the air?
Oh okay, sorry, I was talking about getting bodywork done.
It's hard to find people nowadays that actually do no
no car bodies and stuff. Anyway, it's hard to find

(36:35):
shops that do small jobs. So if you don't have
a big insurance wreck, it's really hard to find places
to do repairs. Anyway, I digress. I'm going to talk
to Cheryl now. And Cheryl scammed. And by the way,
Bo was talking to the other guy that we you know,
who had a problem with breaks plus, so we'll have

(36:58):
an update on that, but share right now. This sounds
pretty serious. What is going on?

Speaker 7 (37:05):
Yes, Tom, thank you for taking my call on the
first time caller, but longtime listener, well, thank you for
my sister. Okay, yeah, what happened one that was scammed?

Speaker 2 (37:17):
How how was she scammed? Scammed?

Speaker 7 (37:20):
Well, she was She got an alarm on her computer
in the middle.

Speaker 2 (37:27):
Of the night.

Speaker 7 (37:29):
And was contacted by someone from Microsoft.

Speaker 4 (37:34):
They said they were oh yeah, no, but it wasn't okay.
So what happened was somewhere along the line, either in
an email or some other website.

Speaker 2 (37:44):
Uh, there was a virus. I know, I know this scam.

Speaker 4 (37:47):
There's a virus that's downloaded that sounds an alarm, and
the alarm says either your hard drive is going to
be erased or somebody's in your computer.

Speaker 2 (37:57):
Call this number immediately.

Speaker 4 (37:59):
And then they say they're from Microsoft, and I'm going
to let you finish, but I want.

Speaker 2 (38:03):
To know if this is that. Then when they say
they're from Microsoft, they say they need access to her
computer and she can stay on the line with them.
Is that how it works?

Speaker 7 (38:13):
Yes, well, and they said to her from the fraud department,
of course that's right, yes, yes, And they were going
to help her track down this fraud because they would
try to get into her online banking.

Speaker 2 (38:27):
Oh my god, they.

Speaker 7 (38:30):
Should stay off her computer, and that they shouldn't tell
She shouldn't tell anyone.

Speaker 4 (38:37):
But she gave them access to her computer. She gave
them access to her computer.

Speaker 7 (38:41):
Right, well, she didn't even need to because well, yes,
her due.

Speaker 2 (38:49):
Yeah.

Speaker 7 (38:49):
She ended up going to her bank, Oh god, no,
and wiring every red scent that she had in there.

Speaker 2 (39:00):
How much was it?

Speaker 7 (39:01):
Wait, they told her they were setting up an account
at a Wells Fargo bank.

Speaker 2 (39:06):
Oh god, he's safe. This is so sad.

Speaker 7 (39:11):
Over one hundred k oh.

Speaker 4 (39:13):
No, no, Cheryl, Cheryl, she lost one hundred thousand dollars.

Speaker 7 (39:19):
That was just from the bank. She also did it
with her ira.

Speaker 2 (39:24):
How much was in that?

Speaker 7 (39:27):
Don't I haven't even I've been too afraid to ask.

Speaker 2 (39:30):
Oh my god. So she's penniless right now. She lost
every dime she.

Speaker 7 (39:34):
Had, every dime she had, Tom, I haven't slept for
two days. She told us this on Saturday.

Speaker 2 (39:40):
Cheryl.

Speaker 4 (39:41):
I want to cry right now, I swear to god,
I want to cry.

Speaker 2 (39:44):
How old is she? Why?

Speaker 12 (39:46):
So do what?

Speaker 7 (39:47):
She's seventy five?

Speaker 2 (39:49):
Okay, I'm seventy two. Come on, what didn't didn't she
doesn't she ever hear the news or anything. Didn't she
even I mean.

Speaker 7 (40:00):
No, no, And she's extremely she was in extremely vulnerable.
She lost her fiance six months ago. She was her
fiance's daughter threw her out of the house she was
living in. She had to move back from Florida to
Colorado with only two suitcases of belongings because the daughter
threw out all her belongings.

Speaker 2 (40:20):
She had to.

Speaker 7 (40:21):
Start over from scratches.

Speaker 2 (40:23):
She called the FBI. Because she called the FBI, Yes.

Speaker 7 (40:27):
She reported it to the FCC, to the FBI, she
filed a police report. She filed you know, with the bank.
She filed you know, an investigation.

Speaker 4 (40:37):
Report when she went Cheryl Cheryl, when she went to
wire the money. Did anyone at the bank ask her
what she's doing?

Speaker 7 (40:49):
Yes, And they tried to stop her.

Speaker 4 (40:52):
Oh my god. And why why didn't she listen? Why
didn't she listen to them?

Speaker 7 (40:59):
I don't know, she doesn't know. She just said, I
was being stupid. I was stupid. She said, I believe
this guy from Microsoft. She said he was so convincing.
And she's in such a vulnerable state. She's she's just
she's grieving and she's vulnerable. And he told her don't
tell anybody, So she didn't tell the people at the

(41:19):
bank that she believed that. You know, she there was
this fraud going on, with this scam.

Speaker 4 (41:25):
What was Tell me what they said they were going
to do. They were going to protect her money. Is
that why she drew it out?

Speaker 7 (41:32):
Yes? Yes, they were going to secure all her money.

Speaker 2 (41:35):
Where did I don't want her exact address, but where
does she live?

Speaker 7 (41:39):
In Denver in the South metro area?

Speaker 4 (41:42):
Yeah, listen, I want I want to talk to her
separately and figure out some I mean, did the FBI
did anyone have any hope of finding these people?

Speaker 13 (41:54):
Well?

Speaker 7 (41:55):
I don't know. Like she just found out Thursday that
all her money was gone. So she's just been doing
all this filing and reporting.

Speaker 4 (42:04):
What is her income situation? What is their income situation?

Speaker 2 (42:07):
Now?

Speaker 7 (42:08):
Social Security? She's living in a subsidized housing situation.

Speaker 4 (42:15):
On she had one hundred thousand dollars in her bank account, Yes,
and she lost every dime of one.

Speaker 7 (42:22):
Hundred and six and she handed it over to these
people that took it away.

Speaker 2 (42:29):
Oh God, how do the do you wonder? How do
these people sleep at night? For God's sakes, how do
they live with themselves.

Speaker 7 (42:38):
I know, it's awful, It's just awful.

Speaker 4 (42:42):
What's amazing to me, Cheryl, what's amazing to me is
all of this publicity about hackers and about scammers. They
that there's still victims out there, like your sister, who
will still fall.

Speaker 2 (42:56):
Prey to it.

Speaker 7 (42:58):
I know, I know, and you know, well a year ago,
I don't think she would have. But with everything she's
been through over the last six months, I.

Speaker 2 (43:06):
Think it just you know, here's the thing.

Speaker 4 (43:09):
Even if her competency is in question, the bank did
try to stop her.

Speaker 2 (43:13):
What did the bank say to her?

Speaker 7 (43:17):
They said, you know, why are you doing this? Are
you sure you want to do this? Are you under
any dress? Is someone asking you for this money? And
she wouldn't share with them right right? She just said, no,
this is what I want to do. You know, I
want to do this. You know, here's the information for
Wells Fargo. I just want to transfer it to their and.

Speaker 4 (43:36):
You know, so where did she actually like where did
she actually transfer the money from where to where?

Speaker 7 (43:44):
From Bank of America to Wells Fargo and they and
the Wells Fargo the account that she transferred it to,
where is it located?

Speaker 2 (43:53):
This Wells Fargo account.

Speaker 7 (43:57):
I don't know if we have a location. She she
has a person's name, and I think she has the
account number. She kept very good notes from every time
she talked to this person and all the information.

Speaker 2 (44:10):
Would she be willing Do you think she'll be willing
to talk to me?

Speaker 7 (44:14):
Oh yeah, I'm sure she would.

Speaker 2 (44:18):
Okay.

Speaker 7 (44:20):
And then it went into and it went wants to
get you know, any of the money back? You know?

Speaker 2 (44:26):
Anyway, Well, here's what I'm thinking.

Speaker 4 (44:28):
If it went to a Wells Fargo account, is the
FBI at least looking into that account because it has
to be where you know, that's going.

Speaker 2 (44:37):
To be the hook. Whoever opened that Wells Fargo account?

Speaker 8 (44:42):
Yeah?

Speaker 4 (44:43):
Yeah, this Froud's gotta stop.

Speaker 2 (44:46):
Here's the problem. People are letting. People are walking into it.

Speaker 4 (44:51):
It's such a terrible thing. Oh man, this must make
you feel sick too.

Speaker 7 (44:57):
I slipped tonight since I found out.

Speaker 8 (45:00):
Oh it's awful.

Speaker 7 (45:01):
It's just awful. I'm sick for her.

Speaker 2 (45:05):
And it's awful. How did she accumulate this money? Was
this a lifelong savings? Yes?

Speaker 7 (45:11):
Yeah, she worked. She worked her whole life till just
probably god, two years ago.

Speaker 4 (45:16):
Does she feel embarrassed right now, Yes, yes, of course,
you know.

Speaker 7 (45:21):
I mean she came over here Saturday to tell me
about it, just sat and cried and cried, and you know,
how could I be so stupid? How could I you know,
how could this happen? I'm gonna have to get a
job now, and you know, and you know, it's just awful.
It's awful.

Speaker 2 (45:35):
What so she doesn't have enough to live on?

Speaker 7 (45:40):
Well, I mean I think her social Security can cover
her rent and maybe her food, but you know she
has any emergencies or no.

Speaker 4 (45:49):
I know, trust me, I know, Cheryl, this is this
is so heartbreaking, so heartbreaking. I would I really want
you to leave contact information for her. I'd like to
maybe call her off the air even and well, oh god,

(46:10):
I just can't. I can't stomach this. Every day I
come on this show and I just can't believe people
who are victim like this.

Speaker 2 (46:20):
It's just so terrible.

Speaker 14 (46:22):
I can give her your email address off the air, good.

Speaker 4 (46:25):
To give her my personal email, Cheryl. I'm going to
work on this. I'm not sure what I can do,
but I.

Speaker 2 (46:31):
Will know this. I do know this.

Speaker 4 (46:34):
They have an account at least they did at this
wells Fargo. That is going to be our first clue,
and we have to figure out where the Wells Fargo is.
And look, I'm going to take a stab at it.
Who knows if we can help. I will try my
best to at least figure something out. Wells Fargo's got

(46:55):
to have information nowadays with the new regulations. When somebody
opens an account and then they receive a big sum
of money, I don't know. I mean, I might be crazy,
but I'm going to start there. That's the weak link,
is where they take where they receive money. Now, after
the break, I'm going to explain a way they receive

(47:19):
money that could shut us down. But thank you for
calling us about this. It will put many people aware
right now that might have gotten a call or are
thinking about it. They tell you you're a victim of
fraud and you need to move your money out of
your account. What they have you do is move it

(47:42):
to them, and you lose it. It's a total scam.
This breaks my heart. Three zero three seven one three
talks seven one three eight.

Speaker 2 (47:53):
Two five five.

Speaker 4 (47:55):
By the way, Compass Insurance is doing a free insurance
checkup of all of your insurances. They can help you
consolidate save money sometimes and other times you might have
a great deal, but it's a true analysis.

Speaker 2 (48:07):
Free of charge three O three nine nine six nine
Thousandthinsurancehealthcenter dot com.

Speaker 4 (48:17):
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
seven to one help. You'll think you're his only customer

(48:39):
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 Arsino,
you're troubleshooter three O three seven one three talk seven
one three eight two five five. So we have bob

(49:02):
Logan with us from Plumbline Services. We've had a number
of calls this morning, very troubling.

Speaker 2 (49:09):
This show has become so troubling.

Speaker 4 (49:12):
I want to talk about receiving money in a scam.
Is that your clue as to who scammed you in
this particular case, this woman, this seventy five year old
woman was scammed into sending her money from her account
from Bank of America over to Wells Fargo, a Wells

(49:32):
Fargo account somewhere.

Speaker 2 (49:35):
So that's the one week link.

Speaker 4 (49:38):
When it comes to scammers, they have to receive the money,
and in order to do so, it must be a
bank account. So I want you to put on your
thinking cap, Bob Logan, and with just the information that
we've just received, how do you believe someone will receive

(50:02):
the money without being traced?

Speaker 2 (50:05):
Now, I want you to really think about it.

Speaker 4 (50:07):
All her she give complete access to her account with
wiring to get the money out and to send it
to Wells Fargo. Now, when it arrives at Wells Fargo,
why can't the FBI trace that account to the perpetrator.

Speaker 5 (50:26):
Why because the account's not open under the perpetator's names okay,
false social security number okay.

Speaker 2 (50:32):
But when you open an account, a brand new account,
they do get information from you.

Speaker 4 (50:39):
It is difficult to establish it under almost impossible to
open it under a false identity. However, if it's not
a false identity, it's a very easy way to open it.
And I'm going to give you the scenario. People, this
is ingenious and diabolical. So we just heard about how

(51:02):
Cheryl's sister was scanned. They have access to Cheryl's sister's account.
So in other cities they have access to other victim's accounts.
They literally will have you wire your money to one
of those accounts they have control over. Now the victim

(51:24):
doesn't know, the other victim doesn't know they'll be getting cash.
So what they do is immediately go and take the
money out of that account as soon as it's wired there.
So people always wonder how do they get the money.
They get the money by having it deposited into someone
else's account.

Speaker 2 (51:45):
They can do it in number of ways.

Speaker 4 (51:47):
First, a previous victim of theirs, they still have access
to that account. That account often lays dormant and it's
not closed, or it's before the scammer that the victim
knows they've been scanned. They can use that to launder
the money, so to speak. Another way is to hire
people with a false job. We've heard of these Internet jobs,

(52:10):
you know, get money for transferring money or transferring goods.
You know these drop houses we call them where they
receive cell phones and electronics and software and well software
mostly over the air right now. But let's say false
drop points. People have been duped into receiving goods and

(52:31):
forwarding them. It's called the freight forwarding scam. So it's
a way that scammers can receive merchandise at a location
that's not theirs, but then that person at that location
then forwards it to them. They get it forwarded to

(52:51):
some bogus not bogus, but some mail drop. They grab
the stuff, close the mail drop, and the only person
exposed is the person who did this supposed job. So
there are two remember this, So so two ways scammers
receive goods and services and money. Number one they receive

(53:13):
the money in another account from someone they've just ripped off.
Or two they receive the money from a freight forwarder participant.

Speaker 2 (53:26):
People answer jobs on the internet.

Speaker 4 (53:29):
Now, Kachina, you know your husband has been looking for jobs,
and isn't he the one that mentioned.

Speaker 2 (53:36):
About eighty percent of them or scams.

Speaker 14 (53:39):
Yeah, they're they're called ghost jobs where companies will want
to make themselves out.

Speaker 2 (53:47):
To be hiring.

Speaker 14 (53:49):
We're hiring right now, but in the truth they're not.
But it's all so they can lift their stock prices up.

Speaker 4 (54:01):
Yeah, it gives an indication that they're expanding, but some
of those jobs are.

Speaker 2 (54:08):
Becoming a freight forwarder. A freight forwarder.

Speaker 4 (54:13):
Sounds innocuous, it sounds you know, hey, I can do this.

Speaker 2 (54:17):
Here's what happens. So Bob is the criminal.

Speaker 4 (54:22):
He approaches me and says, Tom, I will pay you
to receive packages and forward them to me. The reason
I need this done is because I travel a lot,
and our business is all over the world, and we
need an established address to receive goods. And that's what
you tell me, and I say, okay, So you give

(54:45):
out my address as to where things are.

Speaker 2 (54:48):
To be shipped.

Speaker 4 (54:49):
So when you rip off someone on their business account
and order one hundred laptops, or you order cell phones,
or you order.

Speaker 2 (54:56):
Something else, you have them sent to my house. I
have agreed to accept them and then forward them. I
just changed the labels and forward them.

Speaker 4 (55:09):
I forward them to a temporary account that you created.

Speaker 2 (55:13):
So the question is why do they go through this.

Speaker 4 (55:16):
Why don't they just start with the temporary address to
begin with, Because to make a temporary address that looks real,
it's too much of an establishment.

Speaker 2 (55:27):
They don't want you sending stuff.

Speaker 4 (55:30):
To a portable drop, because people in the know will
know it's a portable drop and might detect your scam quicker.
If it's a stable address that's been there for a while,
it's more likely you will participate as a victim because
you're sending it to an established address. Let me tell

(55:50):
you one other thing they do. This is incredible and
I'm telling you these are actual cases. So they have
the freight forward or dupe like me. Bob to me
and said, Tom, accept these packages and forward them to me.

Speaker 2 (56:04):
You can also do that with checks.

Speaker 4 (56:06):
And you can also do that with money wired into
my account. If they wire ten grand into your account,
send me nine keep a thousand. Thus, so I become
a dupe, and I am helping the con artists. And
I think I have a job and I get paid
for the job, and I do. But it's what you're doing,

(56:27):
is you're helping others to be scammed. But listen to
this thing that people do. They actually when you're dealing
with a company and you receive laptops and they say
send the laptops back to the company, or forward this
to the company that ordered them. They have addresses of

(56:52):
real companies. And what you have is you have people
who wait outside when they have the guaranteed delivery. They
even tell you what time sometimes they're going to be delivered.
They have people outside of that business to intercept the delivery,
to make it look they sign for it, see and

(57:14):
they make it look like they're a representative of that business.
They literally might even have a name tag they wear.
They sit in their car outside of the business near
shipping and receiving, and when your package is supposed to
show up there they go and intercept it. It's called
and they pay people to be interceptors. Now, the people

(57:37):
who are paid to be interceptors, I don't know if
you can call them innocent dupes. They might know they're
doing a little something wrong, but that's another way they
receive goods. So this week link of receiving goods. It's
always been an age old problem for scammers. For example,
when you kidnap someone, the weak link is you have

(58:00):
the ransom, but how do you receive that ransom because
at some point you need to receive it, and the
point of reception has always been the.

Speaker 2 (58:10):
Weak link in a scam.

Speaker 4 (58:12):
But electronics and digital processing has made it much easier.
You can also wire to an account that you establish
and then close the account immediately. There are a million
ways scammers receive their booty, a million ways. What you
have to do is just not be part of it

(58:34):
to begin with. And I've said this, this is an
easy way that I'm going to take a break, but
this is an easy way to not be a scammer.
No matter who calls you, no matter who talks to you,
no matter who tries to hit you up, you ask
one simple question, what is it going from me to them?

(58:54):
It'll either be information on a phishing scam, that information
they use later on, or is actual money or goods,
and that is where you shut it down. There is
not one legitimate investigator, not one legitimate process where you

(59:16):
have to send money or goods or services or information
to someone on the phone.

Speaker 2 (59:22):
They will never do it. And every day, every single day,
we talk about these scams, and people fall for them
all the time. This Microsoft security scam goes on and
on and on. And Cheryl's sister, a seventy five year
old woman, just sent one hundred more than one hundred

(59:45):
thousand from her account and she has lost it forever.
They are so good at convincing you that they're the
good guys. They tell you do not talk to anyone.

Speaker 4 (59:57):
At your bank. They must not know what's going on.
It could be an inside job. And if they know
you're moving your money, they may intercept it and keep it.
So anyway, you know, thank god I have this show.
I just wish more and more people would spread the
word the thing if everyone listening to this show, if

(01:00:18):
you took only the topics we covered on this show,
only those topics, you would avoid about ninety eight percent
of all scams out there. And as soon as the
new scam pops up, guess what we talk about it,
we eventually find out about it. This is the only
show that can do that, the only show that can

(01:00:39):
keep you out of trouble. That's why it's critical that
we pass it around and tell people to listen and
to make notes and not to fall for these scams.

Speaker 2 (01:00:50):
I'm Tom Martine.

Speaker 4 (01:00:55):
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dot com. You don't pass until you're content. Time for
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(01:01:17):
Frank durand the real estate man dot com to list
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So you know, I talked about drafting accounts for money,
and Bob said, and that's part of my banking secrets,

(01:01:40):
little article rolling around.

Speaker 2 (01:01:42):
In my mind. I want to mention this. This is amazing.

Speaker 4 (01:01:45):
But I want to tell you this, and I've said
it before, and I mean it right now. If I
have your routing number, I have to have your name,
your routing number, and your account number. If I have
the those three things, I can put a draft. Actually
I don't even really need your name because it asks

(01:02:07):
I can go to my electronic or my digital bank
or any bank, so and I put in what's called
a draft to draft money from the account and put
it in my account.

Speaker 2 (01:02:20):
Now, they tell.

Speaker 4 (01:02:21):
You in a disclaimer, this is to take money that
is owed to you or money from another one of
your accounts. That's what they tell you. But there's no
enforcement of that whatsoever. So let me explain this very carefully.
And we even made a bet with a guy that

(01:02:44):
was listening one time and drafted his account for a
few bucks, just to prove we could do it. I
go to my bank and it says move money, and
I hit move money or add money.

Speaker 2 (01:02:59):
Then it comes up and says, how would you like
to add money?

Speaker 4 (01:03:03):
And I put in draft an outside account, and then
I put in that outside account. I call it checking,
because it's got to be checking our savings.

Speaker 2 (01:03:16):
Most of them are checking. And then I put in
the routing.

Speaker 4 (01:03:19):
Number, and it comes up with the bank name and
then the account number, and it says how much would
you like to draft? You put down the amount and
hit send, and in two days, the money from that
account is in my account. It absolutely positively works with

(01:03:40):
just a routing number and an account number. I have
often wondered why it's that easy. I swear to God
it's that easy. I can draft any one of you
listening right now, if I have an old check of yours,
or if you somehow give me your routing number and
you're a account number, I can draft your account.

Speaker 2 (01:04:03):
I can I can just take money.

Speaker 4 (01:04:06):
So what do banks do banks first try to blame you, Well,
you must have given out this or you must have
given out that. By the way, you don't need a
pin number to do it, no pen, no authorization, no
sign document.

Speaker 2 (01:04:21):
You find it hard to believe.

Speaker 4 (01:04:22):
I can see the doubt in your mind creeping in there, Bob. Yes, no, seriously,
we could do an experiment if you wanted, but I
don't want to because I don't want to have it
in my account because technically it would be unauthorized, even
well you would be authorizing me. But here's the point.
Right now, I'm going to show you how it works.

(01:04:45):
I'm not going to in fact I will. I will
show you how it works and how easy it is.
I'm going to go to my online account with you
sitting here, to see the mechanisms.

Speaker 2 (01:04:57):
I go through.

Speaker 4 (01:04:58):
So people I've often se said to rob a bank,
you don't need a gun and a knife. In fact,
these scammers that go through all of this go draw
out your money and transfer it.

Speaker 2 (01:05:12):
They can do it directly.

Speaker 4 (01:05:15):
I think that they're unsophisticated and they don't understand that
they can actually do that directly. So on my account,
this is my bank, right, I'm going to hit my
bank right there. Now it wants me to log in
obviously this is on my side only. Right then, I'm
going to go to an account here all right. Now

(01:05:38):
that's just one of my little accounts anyway, So I'm
going to go.

Speaker 2 (01:05:41):
Here and see where it says add money. I'm going
to do that and hit that.

Speaker 6 (01:05:45):
Well, you have nine million dollars in your little d.

Speaker 2 (01:05:47):
No, listen, listen, he's joking. I listen.

Speaker 4 (01:05:51):
So now did you see what I just did? It
just says add money. That's all I did. Now under
add money, what does that say?

Speaker 6 (01:05:58):
What does that say? Connect external bank?

Speaker 2 (01:06:00):
Right? So, now connect to an external bank? What does
it want?

Speaker 4 (01:06:05):
It wants me to transfer to my account here? I
put my account in there, then select from and then
this outside account I already put in there, but had
I not put in there?

Speaker 2 (01:06:18):
And I want to add a new bank account.

Speaker 4 (01:06:20):
I hit that, okay, and then I continue and it
sends a verification code to my phone, which is all right,
because now remember I'm not needing anything special.

Speaker 2 (01:06:33):
Okay, just gave me a code. So I put in
the code. Here.

Speaker 4 (01:06:36):
People, I'm telling you, I'm going through a process right
now where I'm going to rob him of his money,
and he's not.

Speaker 2 (01:06:43):
He's all okay.

Speaker 4 (01:06:45):
So now it verified who I am by texting my phone,
so it's protecting me. Right now, I connect to a
new institution. As soon as I press that it's going,
I go to the institution and all it will ask
for the only thing that'll last for is the routing
number and the account number, and I will draft your account.

Speaker 6 (01:07:08):
That's incredible.

Speaker 2 (01:07:09):
I mean, you see it right here.

Speaker 4 (01:07:10):
I just connect to an external bank. It doesn't ask
do you have authority to do it?

Speaker 2 (01:07:16):
Well, it does.

Speaker 4 (01:07:17):
Actually, as you start doing it, it says, have you
been given authority to take this money or something?

Speaker 2 (01:07:22):
But who? I already get the money on close your
ski of course you.

Speaker 12 (01:07:27):
So, people, if you doubt it, I.

Speaker 4 (01:07:30):
Can take money from your account today. I don't need permission,
your routing number and your account number. That's why when
you sign up for auto pays on the external accounts
where they have your information, anyone in that organization can
rob from you.

Speaker 2 (01:07:47):
We have more coming up on this and other things.

Speaker 4 (01:07:50):
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(01:08:25):
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a cent until you're content. Time for an insurance checkup free,
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three oh three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand

(01:08:47):
the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two. Hey, I'm Tom Martino here three o three
seven to one three to seven one three eight two
five five. All right, so there are some more banking
secrets I want you to know. Not only not only

(01:09:13):
can you rob somebody's bank with the account number and
the routing number. That's all you need. Something called a
verified deposit. And there's a reason banks never verify your deposit,
and I'm going to talk about that coming up. You
will be shocked at what happens when you make a

(01:09:33):
deposit and why they never verify them.

Speaker 2 (01:09:35):
Hang on, we'll talk about that and more coming up.

Speaker 4 (01:09:38):
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. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven to one help. You'll think you're his only customer

(01:10:00):
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.

Speaker 12 (01:10:07):
Two Ripped Up.

Speaker 2 (01:10:15):
News.

Speaker 1 (01:10:17):
You need advice who you don't have to don't come
running just as fast as we can. Shooter's gonna help coming.

Speaker 3 (01:10:27):
Man Dix's The Troubleshooter Show.

Speaker 4 (01:10:31):
No Tom Martino, Hi Tom Martino here, Welcome to the show.
We are here solving problems, answering questions, taking complaints, making
your life a little easier.

Speaker 2 (01:10:42):
That's what we do each and every day.

Speaker 4 (01:10:43):
Give us a call at three oh three Martino. You
can call that twenty four to seven three oh three
six two seven eight four sixty six.

Speaker 2 (01:10:51):
Then we call you back, get you on the show.

Speaker 4 (01:10:54):
So it's really a good gig we got going where
we can call you and you don't have to wait. Now,
if you want to call UH spur of the moment,
you can do that too at three oh three Martino.
When we're here, we'll pick up three oh three six
two seven eighty four sixty six. We also have three
O three seven one three talk three O three seven
one three eight two five five. And I want to

(01:11:14):
remind you you can text me. Comes right to my
personal cell phone. Twenty four to seven. UH asked to
be on the show. Ask me a consumer question, anything
and everything personally to me. Twenty four to seven is
seven four seven, nine nine nine fifty two p eighty.

(01:11:35):
Bob Logan is with me today from plumb Line Services, Plumbing, heating, cooling,
electric and trains. Anyway, let's move on. Some of the
calls today we're very troubling. One is, uh, the woman
who sent more than one hundred thousand dollars of her
money to a wire to a Wells Fargo account through

(01:11:58):
a wire, I should say, so she was contacted. Well,
what happened was she heard an alarm on her computer.
This was no doubt malware. She downloaded somewhere that triggered
late at night a flash screen that said she was

(01:12:19):
being hacked and she needed to call Microsoft immediately.

Speaker 2 (01:12:24):
And she called this.

Speaker 4 (01:12:25):
Number and they identified themselves as Microsoft to security and
said that someone had gotten all of her numbers, all
of her accounts, and they are basically.

Speaker 2 (01:12:43):
Going to protect her.

Speaker 4 (01:12:45):
So they instructed her to go the following morning to
her bank at Bank of America and wire every dime
that she had one hundred and six thousand dollars to
a Wells Fargo account. Well, again, this was a scam.
She lost the money, never heard from them again. You

(01:13:06):
might think, well, all they have to do is track
down that Wells Fargo account.

Speaker 2 (01:13:11):
That Wells Fargo.

Speaker 4 (01:13:13):
Account is most likely an account that was established just
for fraud months ago, and once they use it, they
then cut it off. Or it could actually be the
account of another person they're scamming, and they might say

(01:13:33):
to that other person, we're depositing this much money in
your account, don't worry. We want to make sure it's secure.
We're just testing it. And then they withdraw it out again.
So that's how they have an account they can use
to receive money without being detected.

Speaker 2 (01:13:52):
I know that this sounds so obvious I should just
not say it.

Speaker 4 (01:13:58):
But for God's sakes, never ever, ever, ever wire your
money to anyone ever ever, don't ever fall for anything.
If ever you want to wire money, you only do
it under this one circumstance. You initiated a transaction and

(01:14:21):
the recipient you know and trust, and they you want
to pay them by wire. You're the one doing the initiating,
not them. They didn't call you and say you need
to wire me money. So like in a real estate deal,
I've done some real estate deals with vesta turnkey where
we're buying houses right well, I wire the money to

(01:14:46):
the title company in that market for the closing.

Speaker 2 (01:14:49):
So that is something that I initiated.

Speaker 4 (01:14:52):
Don't ever with a phone call or an email, ever
hit a link or call a number and ever transfer
money ever. And by the way, to get away from.

Speaker 2 (01:15:05):
The ACCH robbery I talked about.

Speaker 4 (01:15:09):
I talked about another case where people can have their
bank accounts drafted. In other words, people can draw money
out of your account and.

Speaker 2 (01:15:18):
All they need, all they need.

Speaker 4 (01:15:21):
Is your account number and your routing number, and they
can put in an auto draft. It requires no permission
from the account holder whatsoever, no authorization whatsoever.

Speaker 2 (01:15:33):
Yes, it is that easy.

Speaker 4 (01:15:36):
It is that easy for people to get money from
your account, whether the bank will admit it or not.

Speaker 2 (01:15:43):
It's that easy. I've done it now. It just so happens.

Speaker 4 (01:15:47):
The accounts I've been drafting here are my kids and
my own. But never do they ask for permission, never
do they ask for authorization, for proof of authorization. These
are just one These are just a few of many
banking secrets you don't know about. There is something called
verification of deposit. This is something most people never even

(01:16:10):
look at. But I want to go over it with you.
And by the way, while i'm talking, you can call
and I will take your calls. Three oh three seven
one to three talk seven one three eight two five
five So on a deposit slip, A typical deposit slip.
Look at it somewhere on the bottom it will say

(01:16:33):
this deposit is subject to verification. On a deposit slip
it says that. So one time I had some fun
and I asked the clerk excuse me. I just made
this deposit and I have this deposit receipt and it

(01:16:55):
says all deposits subject to verify.

Speaker 2 (01:17:01):
I said, can I assume you verified that.

Speaker 4 (01:17:04):
When you took my money and you put your initials
on this And she said no, And I said, well,
what is a verification of deposit? She goes, well, we
just have to make sure the funds are good and
that you get deposited and they don't get recalled. I said, okay,

(01:17:24):
then who does that? Could I talk to your bookkeeping department?
So I called the bookkeeping whatever they call it, I
don't know they call it bookkeeping. But I talked to
their department where the bankers you never see the ones
in the cellar right or in the back room. And
I said, I'd like to know if this deposit is verified.

(01:17:45):
And they said, well, our record show you made a
deposit at this time at this branch. I said, is
it verified? Is my slip said my deposit is subject
to verification? And They said, well, we don't really verify
it here, and I said, well, where do I get
it verified? I want to know I have this money

(01:18:07):
in my bank. I want to know it. And I
asked enough people, and no one knew. No one. No
one knows how to verify a deposit. No one, absolutely
no one. So I said, finally I got someone, some
branch manager's assistant or something that said, well, we use

(01:18:30):
that in case there is ever a problem with your account,
so we can remove that deposit because it wasn't verified,
or if there's a question about that deposit somewhere. Maybe
your deposit had some checks that you deposited and someone

(01:18:50):
stops payment on that check. And I said, but when
does it ever get verified? They said, when we have
a problem, and then if you fight that problem and
you win, then you can say that one part of
the deposit was verified, meaning someone wrote you a check,

(01:19:11):
they changed their mind and saw payment. Now your deposit
is short that check. You go in and or you're
not go in, but you go fight that person and
have them make it good. Now that's verified. So in
other words, verification means nothing. They put it there so

(01:19:35):
they can remove it at any time.

Speaker 6 (01:19:39):
It's amazing.

Speaker 4 (01:19:40):
They can remove it at any time. So that's a
banking secret verification. Also, when you deposit.

Speaker 2 (01:19:50):
In a at night, in a night.

Speaker 4 (01:19:52):
Drop, there's absolutely no verification whatsoever, none, zero zip. If
they rob cash from you, that they can rob cash
for me, how are you going to prove your cash
was in there.

Speaker 2 (01:20:09):
Banks don't do this often, but it's true.

Speaker 4 (01:20:13):
Also, signatures, they mean absolutely nothing. We all know that
you can sign Donald Duck, Mickey Mouse, everything.

Speaker 2 (01:20:23):
There is no bank any longer that verifies signatures ever.

Speaker 4 (01:20:28):
So someone can steal your checking account and write checks
and no one is going. Do you know how they
make you sign something when you open an account? Why
they never use it? Never ever ever do they use
it ever. So I mean, I imagine if a lawsuit
came up and they were in court and they had
to do that.

Speaker 2 (01:20:49):
Now.

Speaker 4 (01:20:50):
I one time with Vector Bank, we had someone who
had checks that they cashed from us at.

Speaker 2 (01:20:59):
The referral list.

Speaker 4 (01:21:00):
And these checks were bad, obviously bad checks. In fact,
the checks I have have a hologram on them. Have
you seen those holograms on the corner.

Speaker 2 (01:21:10):
Of the check.

Speaker 4 (01:21:11):
They were photocopied, so they didn't work. It was obviously photocopied.
They got fifty thousand dollars from US fifty thousand. So
I complained to Vectra and they gave us provisional credit
because it was fraud and they should have caught it.

Speaker 2 (01:21:28):
They did say, you know, this was fraudulent and.

Speaker 4 (01:21:33):
They they could pinpoint who did it, and it was
put in back into our account.

Speaker 2 (01:21:41):
They said it was provisional credit. I said, what does
that mean?

Speaker 4 (01:21:44):
Well, if we find out that there was some hiccup
in this and it was and it was a valid check,
then we reserved the right to take the money back out.

Speaker 2 (01:21:57):
I used to.

Speaker 4 (01:21:57):
Call or email once a month to say is that
credit permanent? Now to this day, up until last year,
this happened five years ago, they still say it is
not permanent. Well, because why there is no process to
make it permanent. They made up the term provisional credit,

(01:22:19):
meaning oh, give them back the money. We're investigating. But
they never actually have a process banks. It is so
sloppy you wouldn't be They actually do not have a
process from going from provisional credit to permanent credit, so
they never commit themselves.

Speaker 2 (01:22:38):
Ever.

Speaker 4 (01:22:39):
So they found here's the coupdeta. They found the scammers.
The police did, and in order to prosecute, they needed
the bank to file a complaint. The bank would not
file a complaint. This is vector bank. So now you
have first they don't know how to give you permanent

(01:23:01):
credit for fraud. They still reserve the right to remove
that money from my account after now almost ten years.
Number two, they will not cooperate with authorities.

Speaker 2 (01:23:13):
So people who scan.

Speaker 4 (01:23:15):
Them walked in with photocopied checks from my account that
they honored. They will not file a complaint against the scammer,
so the scammers get away with it.

Speaker 2 (01:23:30):
Now you think.

Speaker 4 (01:23:31):
I'm the only one and this is the only bank,
your bank, I'm going to tell you there's more than
even chance your bank will not file complaints against criminals
we all.

Speaker 2 (01:23:46):
Let me tell you another thing.

Speaker 4 (01:23:48):
We had a guy who used his credit card at
these big at a big shoe store.

Speaker 2 (01:23:54):
It was like a fleet.

Speaker 4 (01:23:55):
Something, a big fleet, big store for running shoes.

Speaker 2 (01:23:59):
Okay, he bought some shoes.

Speaker 4 (01:24:01):
On the security footage, you can see this person take
his credit card and run it a second time and
take a pair of shoes.

Speaker 2 (01:24:13):
You can see it on security.

Speaker 4 (01:24:16):
And she took the second pair of shoes and gave
it to a friend. You could see his card when
he was there, and then she went over to the
other side and.

Speaker 2 (01:24:26):
Swiped his card. When he noticed this charge.

Speaker 4 (01:24:29):
Show up on his account, he complained about it, and
that's how he got to see the video, because I
think he filed the police report. Now, this woman who
used the credit card was not prosecuted. Why because they
could not find a victim.

Speaker 2 (01:24:49):
Here's what they said.

Speaker 4 (01:24:50):
The consumer is not a victim because the credit was
put back on his account, so he's not out any money.
The store not out any money because of the or
The store refused to file a charge, and then the
credit card issuer refused to file a charge, and the

(01:25:12):
bank refused to file a charge. I did an article
once on it, and the article was about getting away
with fraud. Right now, if I ever wanted to leave
the Troubleshooter Show and I wanted to be a criminal,
I have at least at least fifty ways you can
get away with fraud. They will never come after you. Now,

(01:25:35):
they might come after me because of my name, you know,
to make a big deal about it. But I'm promising
you there are at least fifty ways to steal without
being detected. Well, even if it's detected, they will not
come after you. They absolutely will not.

Speaker 2 (01:25:50):
Credit card theft is built into the system.

Speaker 4 (01:25:53):
That's why we pay high fees. They don't care about it.
It's absolutely free money for you. So if you're a
scammer out there, I just told you a couple of
ways you can make some money. I have more coming
up on the Troubleshooter Show. I want to tell you
about Frank durand the real estate man who will do
a free market valuation of your home for the asking.
It's a wild market out there right now.

Speaker 2 (01:26:15):
Somehow's of selling fast, some slow. Frank will tell you.

Speaker 4 (01:26:19):
What you can expect to get in this market, and
it's a free analysis with no obligation. Frankduran, the Realestateman
dot com three oh three nine two zero sixteen twenty three.
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.

(01:26:44):
Time for an insurance checkup, free, no obligation. In 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 your home with Remax Alliance three all
three nine two zero sixteen twenty two. I am Tom Martino,

(01:27:10):
your troubleshooter, along with Bob Logan from plumb Line Services Plumbing, Heating, cooling,
electric and drains. Bob, somebody wants to know do you
do your own drain work? I do know there's a
trend most plumbing companies don't. They subcontracted out. And I
just want to say this upfront. I don't care if
a company contracts something out. I don't care at all.

(01:27:33):
If they do it the right way. They not just
the lowest bidder, but they pick a company they've worked
with for years and they supervise the company. But as
far as plumb Line, do you do your own drain work?

Speaker 6 (01:27:46):
We do.

Speaker 5 (01:27:47):
We have seventeen technicians that are specifically drain certified, and
then we have seven macOS and we have back hosed
dump trucks.

Speaker 2 (01:27:58):
No, no, you have all of that equipment.

Speaker 5 (01:28:00):
We do in all of our own pipe personal equipment.
So we have seven different crews to do all the.

Speaker 4 (01:28:06):
Work and crap I didn't realize that. Now now there
are not Do you do work for other companies as well?

Speaker 5 (01:28:13):
Then we do not know, So we don't wholesale or
do work for other companies. It's strictly for us. Now,
we do have relationships with a very good subcontractor that
takes overflow.

Speaker 6 (01:28:26):
Well, they take overflow.

Speaker 5 (01:28:27):
For example, if somebody's out of service and our schedule
is booked out for a couple of days, then then
we may use a subcontractor and we let the clients
know that. But everything, all the contracts, everything is signed
through us, so all the warranties.

Speaker 2 (01:28:43):
That's to have that division. Now, would you say you're
one of the few places that do your own equipment.

Speaker 5 (01:28:49):
We're the only one in Colorado that I'm aware of
right now. Really again, there's wholesale companies.

Speaker 4 (01:28:54):
But yeah, right, right right, And like I said, there's
nothing wrong with subcontracting if everything is done through.

Speaker 2 (01:28:59):
The company and they stand behind it.

Speaker 4 (01:29:01):
But you guys actually own When did you make that investment?

Speaker 2 (01:29:05):
Has that been a long time?

Speaker 6 (01:29:06):
It has been about ten or twelve years now.

Speaker 2 (01:29:09):
Yes, does that division in and of itself? Is it
worth it? I mean, I mean that sincerely, it's about
of our entire business. Holy crap.

Speaker 5 (01:29:19):
Yeah, well we'll do We'll do more sewer line repairs
and replacements than anybody in the state.

Speaker 2 (01:29:25):
Is that mainly because of the clay lines or the
iron lines or what what I mean? Our state is
relatively new, as you know, But but what what are
the main drain problems clay and iron?

Speaker 5 (01:29:38):
Yeah, the majority of the pipes in Colorado were made
out of what we call clay tile or clay, and
so they come in sections and those, but they're subject
to break, root intrusion, you get offset.

Speaker 2 (01:29:52):
And there's still enough people out there with those old pipes.

Speaker 5 (01:29:55):
Yes, yeah, I think there's probably probably until the day
that that I can no longer work for sure.

Speaker 2 (01:30:01):
So are we saying that it is inevitable that a
clay pipe will have to be replaced? I think it is.

Speaker 5 (01:30:09):
I mean really, you know, I wouldn't say inevitable, but
most likely. Yes, they you know, the clay the clay
pipes themselves have a thirty year lifespan, and most of
them were done prior to nineteen seventy.

Speaker 2 (01:30:24):
You know.

Speaker 4 (01:30:26):
When in color looks like almost pottery, Yeah, almost exactly,
almost like a pot that you would plant an outdoor pot.

Speaker 5 (01:30:33):
That's that's exact same or similar material that that the
sewer loses.

Speaker 4 (01:30:37):
And then after that they started using iron or before
when when was cast iron used?

Speaker 2 (01:30:43):
Well or is it not used?

Speaker 5 (01:30:46):
A lot of that was for internal okay, yeah, the
external from the from the house to the street.

Speaker 2 (01:30:52):
Clay you got.

Speaker 5 (01:30:53):
Clay, concrete. You got a material called orangeburg which we
have a little bit in call around it. It's almost
like asphalt. Oh boy, almost like like you did in
picture if you ever peeled an asphalt a roof tile off.

Speaker 6 (01:31:11):
Yes, it's it's almost like that.

Speaker 5 (01:31:13):
Oh and uh, it wasn't used very long and it's
not very many areas of color. Very flexible though, well
it's strong when you install it, but it wasn't. And
then PVC is the best, right, right, PVC SDR, I
mean different, they're they're basically plastic ones, but no joints, correct,

(01:31:33):
it just lay the damn thing down, right, and the
only joints are maybe hooking up to the house or
hooking up to the to this mainline. Yeah, so that's
when we do a pipe burst.

Speaker 6 (01:31:45):
That's the type of material we use.

Speaker 2 (01:31:47):
This solid PVC.

Speaker 5 (01:31:48):
Right, But you can you can't see it, you know,
ten or twenty foot sections of of PVC. But because
of it's because of the material, there's really I mean
it's gonna last seven hundred years. I mean there's yeah.
I mean, you'll never do it ever, you have problems.
So the only time you're tik your own problem is
if it's an installation.

Speaker 4 (01:32:06):
When people go to buy a house, that's one thing
that they don't look at, and they need to look
at at this.

Speaker 6 (01:32:13):
Sewer because it's becoming more and more common.

Speaker 5 (01:32:15):
Typically your inspector will ask if you want a sewer scope,
and I would highly suggest giving.

Speaker 2 (01:32:21):
This absolutely because there's a really good chance you're going
to inherit a fifteen to twenty thousand dollars deficit or obligation.

Speaker 6 (01:32:31):
Correct.

Speaker 5 (01:32:32):
Yeah, And if if you see you know, some roots
in there, or a belly, or some kind of an offset, something,
something that's unusual, don't accept a little bit, you know,
because you're talking about a major repair here. And unfortunately,
I think a lot of people they'll say, well, you know,
i'll talk, I'll knock five thousand dollars off the price
of my house and I'll just live with it, and

(01:32:53):
snake the drains well, if you have if you have
drain problems, if you have root intrusion, for example, that
will never go way.

Speaker 6 (01:33:00):
It'll only get worse over.

Speaker 2 (01:33:01):
I know, I know, it never goes away even when
you have it.

Speaker 5 (01:33:04):
When you have it, if you have jetted out, you
did it or cleaned out, just clean solution exactly. Once
the problems there, it's it's going to continue to be
there and only get worse. So we feel that a
permanent replacement is the best solution.

Speaker 6 (01:33:20):
But anytime you go to somebody's else.

Speaker 2 (01:33:21):
That's time that you have the most strength to do.

Speaker 4 (01:33:23):
This is when you're buying a house, that's for sure.
Three oh three seven one three talk seven one three
eight two five five. They have killed by the way,
A bad source have killed killed deals when people won't
address it. But that is one of, in my opinion,
one of the primary places to inspect when you buy

(01:33:45):
a house, primary drains. And I have to make a
list and put up a PDF, and I probably will
on the areas of inspection you need to do, all right,
I got some questions coming up on my previous health
guest and I also have questions about plumbing.

Speaker 2 (01:33:59):
But any anything you have.

Speaker 4 (01:34:00):
Give us a call three oh three seven one three
eight two five five Go with a sure thing Denver's
Best roofer Excel Roofing dot com.

Speaker 12 (01:34:14):
You don't pay a cent until you're.

Speaker 2 (01:34:16):
Contenta 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 home with Remax Alliance

(01:34:37):
three oh three nine two zero sixteen twenty two. Hi
Tom Martino here, Welcome to the show.

Speaker 4 (01:34:47):
All right, major safety recall on anchor power banks. These
are the portable power units I carry him around.

Speaker 2 (01:34:55):
They look like a little.

Speaker 4 (01:34:56):
Brett brick and you plug things into them to charge them.
They really come in handy when traveling. You've seen them, right, Bob,
You guys, Bo, you've seen them, those power banks.

Speaker 2 (01:35:07):
Well there's one.

Speaker 4 (01:35:09):
There's a few models of the anchor being recalled because
of fire and explosion risks. There have been thirty three
incidents of explosions.

Speaker 2 (01:35:20):
That's pretty serious. Now, also, I don't think this. This
is not many units.

Speaker 4 (01:35:26):
Twenty one thousand units were recalled on a cotton candy maker.

Speaker 2 (01:35:31):
It's Aldi's cotton candy maker.

Speaker 4 (01:35:34):
Then five Amazon products, baby loungers, portable power banks, and
misting fans were recalled for being hazardous. Here's the thing
to find out about recalls on Amazon. They usually contact you.
Don't think it's junk mail. Sometimes they contact you and

(01:35:56):
they offer full refunds, full refund.

Speaker 2 (01:36:00):
As you see this, this was recalled this clock back here,
you know I was recalled. It was this clock was
recalled because it had a small part in the back
that came off and kids could swallow. So anyway, I
didn't send it back, but they offered a full refund.
In fact, they didn't even want it back. They just said,
you can get a refund. I forgot to do it anyway.

Speaker 4 (01:36:22):
So the Federal Reserve reduced the prime twenty five basis points.
So it's now it's now at four I believe somewhere
around there.

Speaker 2 (01:36:37):
And also home insurance listen to this.

Speaker 4 (01:36:44):
Home insurance has gone up seventy percent, seventy percent on average, I.

Speaker 2 (01:36:53):
Mean that's set.

Speaker 4 (01:36:54):
I mean seventy percent is outrageous.

Speaker 2 (01:36:58):
Have you noticed it with your house?

Speaker 6 (01:37:00):
So we gole can't afford it?

Speaker 10 (01:37:01):
Yeah, I mean I've had to raise my deductible from
five to twelve thousand dollars.

Speaker 2 (01:37:06):
Oh my godry to keep it medium. But anyway, seventy percent.

Speaker 4 (01:37:11):
And they say it's mainly due to changes in weather,
and they're actually calling it climate change, saying that climate
change is responsible.

Speaker 2 (01:37:20):
It's changes in weather.

Speaker 4 (01:37:22):
Okay, there have been a lot more storms, heavier storms, windstorms, hailstorms,
and in some cases, insurance companies are refusing to even ensure.
Think about this, condos and condo A lot of condo
projects have to become self insured for the roof. Now,

(01:37:42):
they can get insurance on other things, but when it
comes to roofs, they have to be self insured. Do
you know what that looks like to be self insured?
If you take a roof on a condo, it could
be a million dollars, So they have to have a
million dollars in reserve. So the man and a million,
you know, doesn't always isn't always the uh the minimum?

(01:38:07):
I mean that they can be two two and a
half million dollars. So if you're looking in a project,
I've said this before in real estate, condo sales are
way down. Buying a condo unless you know the strength
of the HOA, the strength of the management company, the
strength of the local reserves in the account. You could

(01:38:32):
end up buying a condo thinking you're getting a great
deal and be socked with thousands of dollars of assessments.
An assessment works this way. I'm gonna use stupid numbers
because it's easier.

Speaker 2 (01:38:43):
If there are.

Speaker 4 (01:38:44):
Ten condos and something costs one thousand dollars, then you
each have to chip in.

Speaker 2 (01:38:51):
One hundred bucks.

Speaker 4 (01:38:53):
Now, condo assessment insurance only counts for insurance related capital
capital draws, So if they want to do capital, if
they asked for a capital contribution to help with the roof,
as long as that was an insurable loss, your assessment

(01:39:14):
coverage will go up to a certain amount and pay
it okay, because it's part of the insurance you bought.

Speaker 2 (01:39:21):
But if they simply want to.

Speaker 4 (01:39:22):
Pave a parking lot, or paint the railings or replace
some steps, if you're looking at hundreds of thousands of
dollars in maintenance and repair, your lost assessment coverage will
not cover that. It won't it only covers insurable events.
Remember that, So if they have a capital raise, and

(01:39:44):
we've seen some projects where each condo had to pay
thirty five thousand dollars for deferred maintenance. Thirty five thousand
dollars for deferred maintenance. So here's what happens a lot
of homeowners. The reason it got up to be there
thirty five thousand in deferred maintenance is a lot of
homeowners in condos, they protest projects, they vote them down,

(01:40:09):
and they think, we're not paying for that, we're going
to vote that down. What they don't understand is it's
their project. It's not some stranger coming into their neighborhood
that wants them to pave a parking lot down the street.

Speaker 2 (01:40:22):
The HOA is representing you.

Speaker 4 (01:40:26):
They're not paving that parking lot because they they like it.

Speaker 2 (01:40:30):
They're paving it because they have to. And if you
put that off, it becomes deferred maintenance.

Speaker 4 (01:40:36):
So you can have deferred maintenance piling up until finally
an HOA board can't ignore it anymore. The city might
get involved saying that's dangerous or something happens and.

Speaker 2 (01:40:48):
It must be done.

Speaker 4 (01:40:51):
But instead of doing them a little out of time.
All of a sudden, they're looking at one giant group
of things that have constantly been toned down now must
be done.

Speaker 2 (01:41:02):
And you're living there. Guess what you could be socked with?

Speaker 4 (01:41:06):
Thirty five thousand dollars in capital improvements.

Speaker 2 (01:41:10):
And it's on you.

Speaker 4 (01:41:12):
Many people have to take out new mortgages to pay them.
But don't think by turning down maintenance projects, you're getting
miles ahead. So when you go to buy a condo
looking for deferred maintenance, no matter what you're paying for
that condo, no matter how great it seems, you need
to become intimately aware of its financial condition. What reserves

(01:41:38):
do they have? What deferred maintenance is there? Literally deferred maintenance?
How would you know? You need someone to look at
the parking lot, You need someone to look at the
common areas, a.

Speaker 2 (01:41:49):
Professional to tell you.

Speaker 4 (01:41:51):
You know you've heard of home inspections, right, Well, when
you buy a condo, it may be who of you
to get an engineer or someone to look at the
whole project. I don't mean with a fine tooth comb
or a magnifying glass, but in general, somebody to say, hey,
you may have to freepay the parking lot you may
have to do a new swimming pool. They may have
to do new railings. I got more coming up. Go

(01:42:17):
with a sure thing Denver's best roofer Excel Roofing dot com.

Speaker 12 (01:42:21):
You don't pay a cent until you're content.

Speaker 4 (01:42:27):
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
seven to one.

Speaker 2 (01:42:37):
Help.

Speaker 4 (01:42:37):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your.

Speaker 2 (01:42:43):
Home with Remax Alliance three.

Speaker 4 (01:42:45):
Oh three nine two zero sixteen twenty two.

Speaker 2 (01:42:51):
Hi, I'm Tom Martino.

Speaker 4 (01:42:53):
You're a troubleshooter three oh three seven one three talk
seven one three eight two five five Okay, some how
do you texted me?

Speaker 2 (01:43:00):
Tom?

Speaker 4 (01:43:01):
You know, I hear all this talk about bellies and
a sewer, and basically they said that it's not it's
necessary to do anything with a belly. They don't cause
any harm, they say, unless it's hold. Let me see exactly.
I don't want to put words in her mouth. What

(01:43:23):
do you think about that? I mean, a belly is
not a blockage. It's just a low point I imagine
it would be how bad it is, you know, it
says someday I talk about bellies, It says, as long
as it's not holding material But these home inspectors have
gone beyond their skill levels and stuff by recommending they

(01:43:43):
replace them.

Speaker 2 (01:43:44):
What do you think about bellies? We only have a
few minutes.

Speaker 11 (01:43:46):
I get it.

Speaker 6 (01:43:47):
Depends on the extent of the belly.

Speaker 5 (01:43:49):
And if it is holding a lot of water materials
then and it's causing backups, then you want to get
a replaced Well.

Speaker 4 (01:43:55):
Obviously, yeah, but there are some bellies you can get
away with.

Speaker 5 (01:43:59):
Yeah, as long as every thanks for good you've never
had problems, then I always say, don't worry about it.

Speaker 2 (01:44:04):
But it's all enough.

Speaker 4 (01:44:05):
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. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three, seven
seven to one help. You'll think you're his only customer

(01:44:27):
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.

Speaker 1 (01:44:35):
Yeah, ripped, you need advice? Who you don't have?

Speaker 2 (01:44:47):
Come?

Speaker 12 (01:44:48):
Run in suspenses?

Speaker 1 (01:44:50):
Can Shooter's gonna help?

Speaker 7 (01:44:53):
Come?

Speaker 3 (01:44:55):
This is the Troubleshooter Show. Now tell Martinez.

Speaker 4 (01:45:01):
Okay, I'm Tom Barnesino. Welcome to the show. Three O
three seven one three talk seven one three eight two
five five.

Speaker 2 (01:45:08):
Okay. What we're doing is trying to solve your problems.
If you have any someone lied you, cheated you, or
rip you off, give us a call.

Speaker 4 (01:45:15):
And we've had an interesting discussion today about all kinds
of consumer issues, one being banking. Someone said, Tom, you
talked about how someone can take money out of your
account with an ach without your approval.

Speaker 2 (01:45:35):
And I called my bank and they.

Speaker 4 (01:45:38):
Said, you're absolutely right. Technically you're supposed to get approval.
But you see, the banks never ask for a signature
or any kind of formal approval, so someone with your
account number and your routing number can literally go into
your account and draw funds. They can electronic when there

(01:46:01):
are no roadblocks whatsoever.

Speaker 2 (01:46:03):
None.

Speaker 4 (01:46:04):
Now this one gentleman said, the bank informed him however,
he can freeze his account.

Speaker 2 (01:46:14):
For all electronic payments.

Speaker 4 (01:46:16):
His one bank told him he could freeze his payments,
which means that no one can ever do an ach
on his account. In other words, he locked it down.
So if you can lock down your account, that there
is a bit of an inconvenience because any bill pay

(01:46:39):
you want to do, you're not going to be able
to once you lock down your account.

Speaker 2 (01:46:43):
So that's the problem with achs.

Speaker 4 (01:46:47):
People can get money from your account and they absolutely
do not have to have approval, but you can lock
down your account to not do any wires and not
do any achs. Now Wires are a little harder to initiate,
but no one can wire money out of your account.

Speaker 2 (01:47:07):
Only you can initiate a wire.

Speaker 4 (01:47:10):
But with an ACCH, which stands for Automated Clearinghouse, they
can reach into your account and grab money, So that's
the difference. Wires are only outgoing and you must initiate them.

Speaker 2 (01:47:25):
That's what a wire is.

Speaker 4 (01:47:27):
An ACCH is something you can send out, but someone
can also reach into your account and they need no approval. Legally,
they need approval, but what I mean is the practical
The practicality is they need no approval. So anyway, last year,

(01:47:49):
when I went to Hawaii, I didn't take the time
to call in because I figured I was having too
much fun. But Mark must be getting bored because he
just called in from Hawaii to check in. And I
don't know why the hell he would waste the time
doing that, but maybe he misses us. Mark, what's happening?

Speaker 13 (01:48:07):
Well, I definitely don't miss it, but I have to
say something.

Speaker 11 (01:48:11):
Man.

Speaker 2 (01:48:11):
Of course you miss it. Of course you miss us.

Speaker 13 (01:48:14):
Go ahead, man, I have never been more touched than
by Erica Kirk's speech yesterday. It was beautiful, it was strong,
and probably the most grace any human is given another human.
She actually forgave that pos which I wish Tom I

(01:48:37):
have the strength to do something like that. That woman
is a saint.

Speaker 2 (01:48:40):
Man.

Speaker 13 (01:48:41):
We need to start a charter at iHeart or turning Point?

Speaker 4 (01:48:47):
Well, isn't I don't know much about turning Point except
the campus part of it. Are there chapters of turning
Point outside of campuses that.

Speaker 13 (01:48:58):
I don't know? But we could always be the first.

Speaker 2 (01:49:01):
Yeah. So anyway, Mark, how is Hawaii?

Speaker 13 (01:49:05):
It's absolutely wonderful. We're loving it. But that was a
horrible thing. That happened.

Speaker 2 (01:49:11):
Oh my god, yes, that kind of put the.

Speaker 13 (01:49:13):
Damper on it.

Speaker 7 (01:49:15):
It's crazy, man, you didn't watch that speech. You've got
to watch it.

Speaker 13 (01:49:18):
You and Stephani need to watch it.

Speaker 2 (01:49:20):
I know.

Speaker 13 (01:49:20):
Bob Logan's there, Bob, did you happen to see it?

Speaker 6 (01:49:24):
I did not.

Speaker 5 (01:49:25):
Had quite a few of my sisters and relatives setting
comments about the speech, but yeah, I did hear that
Erica forgave him, and I'm with you.

Speaker 6 (01:49:33):
I don't know if I.

Speaker 11 (01:49:37):
Would.

Speaker 6 (01:49:38):
I would love to think that I could forgive somebody.

Speaker 13 (01:49:40):
But yeah, boy, the strength, the strength she had, and
how well she performed. I mean, I know it's not
really a performance, but no, I know, you mean, I know,
I mean, it was magnificent.

Speaker 7 (01:49:54):
I just had to I really wanted to call in
about that because it really did touch me.

Speaker 13 (01:49:58):
I watched it, well, I listened to it live because
we were on an excursion, and then when we got back,
I watched it last night, and then this morning, Susanna
and I watched it. It's absolutely amazing.

Speaker 7 (01:50:12):
Anybody out there that hasn't watched it.

Speaker 13 (01:50:15):
Now, Trump came out afterwards. You know, Trump is Trump,
and he said what I said in a way He's like, look,
the fact that she forgave him is unbelievable. I wish
I could do that, but I can't forgive my enemies.
Blah blah blah.

Speaker 11 (01:50:28):
But he did.

Speaker 13 (01:50:29):
He did a pretty good chap too. Generally, Trump's going
to talk about what he wants to get done, but
he spent the majority of it talking about her husband
and how her husband, how charge helped him get into office. Yeah,
it was remarkable. I really anybody that hasn't listened to it,
it is so touching. I don't care if you're religious
or not. It brings back family and roles. It brings me.

Speaker 2 (01:50:53):
Mark.

Speaker 4 (01:50:53):
Were you surprised at the overall coverage of it. It
was like a dignitary a world a world leader had died.

Speaker 13 (01:51:02):
I think it's the largest It's not really a funeral,
but the largest celebration of life for a non government individual.
I think anywhere in the world they opened up a
sleeping giant man if they were trying to if they
were trying to make someone quiet, I have to tell
you they've had like a what is it like, thirty

(01:51:22):
eight thousand applications.

Speaker 2 (01:51:25):
To start Yeah, to start a chapter.

Speaker 13 (01:51:28):
Probably created more religious people in fact, I think she
said it perfectly. Since this happened, there's been so many
times that haven't so many people that haven't prayed either
ever or since they were young, or haven't walked into
a church since they were young and growing up. Then,
like at any time probably in the history of the
last fifty or six years, they really did wake as

(01:51:51):
sleeping giants. I mean, you know, Tom, I've never been
that religious, but in the last year, I have found
myself definitely getting more religious. I'll tell you when it
happened with me honestly, you know, people might think I'm crazy,
but I think there was some kind of intervention with Trump.
The fact they just got his ear than after seeing

(01:52:11):
this poor guy, Charlie. I mean, they got him in
the throat. He died within you know, half a second.
It's unbelievable how Trump isn't dead. Is I'll never be
able to understand that.

Speaker 2 (01:52:23):
No, you know what it is? Strange, isn't it. I mean,
And that video was gruesome. My god.

Speaker 4 (01:52:29):
I did not realize when I was watching it it
was going to be of the shooting. I thought it
was just him at the campus and they had a
close up with that shooting I could not believe how
terrible it was. And again, violence is terrible, no matter
where and how and all of that.

Speaker 13 (01:52:44):
And well there was no riots afterwards. The conservatives, the rights,
the religious, whatever you want to call him, didn't stand up,
didn't start taking over police station, federal buildings, barding things down, rioting,
eating people up, pushing people down, none of that. Ass
Doesn't that tell you a lot just about the two

(01:53:05):
different sides.

Speaker 2 (01:53:07):
Well, I Bill Bill Maher, by the way, was talking
on radio or TV somewhere.

Speaker 13 (01:53:13):
Becoming a patriot.

Speaker 2 (01:53:16):
Well, well, here's what Bill Maher said, I mean, and
this is what I took away from it.

Speaker 4 (01:53:20):
He said, look, I'm liberal, but I'm a real liberal,
and I like discussing issues and I like to bring
about change. He said, some of the woe crowd are
too hostile and shut down conversation with words like Nazis
and fascists, and they don't want to discuss things. And

(01:53:40):
he said whenever he would hear a liberal get into
a discussion with a conservative, they would shut it down,
get angry, start screaming, and walk away where the conservative
wanted to.

Speaker 2 (01:53:52):
Talk about it.

Speaker 4 (01:53:53):
Now this is Bill Maher saying that's not me and
Bill Maher said, we need more discussion. He said, there's
a very small faction of liberals that speak for everyone,
and they shouldn't. He said, if you get liberals, old
style liberals and conservatives together, there's a lot that they
can discuss.

Speaker 2 (01:54:13):
And I think it is.

Speaker 4 (01:54:15):
Unfair by the way for us to with this shooting,
to just assume everyone is radical left. Not everyone is
radical left.

Speaker 13 (01:54:24):
I mean we know that, Mark, I mean we know,
we know that was a radical left.

Speaker 2 (01:54:29):
Oh yeah, of course, yeah.

Speaker 13 (01:54:31):
Stating a transgender that killed them because of his religion.
That's what we know.

Speaker 2 (01:54:37):
Yeah.

Speaker 4 (01:54:38):
And one thing, one thing though, that one thing that
bothers me, and I will say this, I have tried
to have discussions, even my own family and other people
about conservative ideals and ideas compared to liberal not saying.

Speaker 2 (01:54:55):
Liberals wrong and conservatives right, but.

Speaker 4 (01:54:57):
Honest to God, truly trying to unlock why do you
feel this way?

Speaker 2 (01:55:01):
For example, I have some members of my family that
are staunch.

Speaker 4 (01:55:06):
Catholics and absolutely detest abortion and anything to do with it,
yet will accept it as part of their political stature.
And I don't understand. I don't understand.

Speaker 13 (01:55:18):
I don't understand that either. And as you know, I've
had the same conversations they go nowhere well with my
own parents, quite frankly. But one more thing I want
to touch on real quick is the left coming out
and basically saying, oh, they're trying to get rid of
free speech by getting rid of Jimmy Kimmel or Jimmy
whoever fallen or whoever the hell got fired. It's so funny.

(01:55:40):
These are the same people.

Speaker 7 (01:55:42):
They're the same person.

Speaker 13 (01:55:43):
I know, let's get Trump off Twitter. He shouldn't be
on there. You I know anything about it. I know,
and it's the most o the Hooktocalypsey.

Speaker 2 (01:55:53):
But Mark is not right, no matter who's doing it.
But it's not right. And look at I'm not I
don't have the power to change it.

Speaker 4 (01:56:01):
But I don't think kim Milk should have been I
don't think the show should have been pulled.

Speaker 2 (01:56:04):
I just don't think so.

Speaker 7 (01:56:05):
No, he was losing, he was losing, Okay, as.

Speaker 2 (01:56:09):
A business decision.

Speaker 4 (01:56:11):
Then have the balls to say he was losing ratings
and we're pulling him. But to blame it on that
is ridiculous. I mean, come on, people say stupid things
all the time.

Speaker 13 (01:56:21):
Happened you're I think you're kind of missing what happened
a Next Star. Which, by the way, Kyle Clark, if
you're lostening right now, you know you're not going to
have a job soon. As soon as Next Star owns
nine News, that whole show is going away. Because let
me tell you something, man, people are getting sick of this.
When you come out and say negative stuff about a
man like Charlie Kurrent, you come out and say that

(01:56:44):
a mega person killed him. I do think Kimmel should
be kicked off. And I'll tell you why. It's got
nothing to do with free speech. It's got to do
with all the different places Next Star owns local affiliates
that we're going to ban the local affiliates. They're going
to say, we're not going to which you and more
if you allow this on. So Next Year went to
Disney and said we're pulling you out of thirty eight

(01:57:06):
stations or thirty.

Speaker 2 (01:57:07):
By the way, what by the way?

Speaker 4 (01:57:09):
Mark, And I'm honest to God, didn't want to get
into a debate about this, but I listened to Kimmel's comments,
and I think people misunderstood what he's saying.

Speaker 2 (01:57:18):
I think what he's saying is.

Speaker 4 (01:57:19):
No, no, no, here's well, we'll just wait and listen
to a perspective before you make that conclusion. I think
he was saying, oh, these guys were doing everything they
could to identify him as something other than a MAGA supporter.

Speaker 2 (01:57:33):
I mean, in essence, I don't think he was saying
he's a MAGA supporter.

Speaker 4 (01:57:37):
I thought he was saying that they're doing everything they
can to distance themselves from him. I think that's what
they were he was saying. And really, whenever something like
this happens, both sides hope and pray that they are
of the other ilk.

Speaker 2 (01:57:55):
I mean they do. They just go ahead.

Speaker 13 (01:58:00):
The argument's fine, Okay, that could be.

Speaker 7 (01:58:02):
I don't know what was going through the man's heart
or the man's brain at the time, but one thing
I will say, I'm going to go back to the
next star. You know, way back in the day when
I first started filling in for you, we were on Westwood.

Speaker 13 (01:58:15):
You were in how many markets.

Speaker 2 (01:58:16):
Back then, six hundred, wow, six four hundred of.

Speaker 13 (01:58:20):
Them, four hundred of them went to them and said, hey,
we're getting rid of that hour because we.

Speaker 2 (01:58:25):
Yeah, I know, you're right, you'd be gone.

Speaker 4 (01:58:27):
You're right, and it makes me feel better that it's
a business decision. I would hate to think that someone
makes a comment and gets thrown off the air unless
it is so egregious.

Speaker 13 (01:58:39):
Well okay, then let's look at the other side and
see you are good. You're a better man than me
when it comes to some stuff, because I still hold
a grudge when they would block our YouTube channel because
you said to take vitamins.

Speaker 2 (01:58:53):
Then we got to increase the only way.

Speaker 4 (01:58:56):
To fight the only way to fight the virus is
to increase your immune Off Facebook.

Speaker 13 (01:59:01):
Basically, they cook. They kicked the president of the United
States off of Twitter.

Speaker 2 (01:59:07):
Of Twitter.

Speaker 4 (01:59:08):
I know, I know, well when we say they though,
that's where it gets. But thanks Mark for calling. But
that's where when when see, that's the part when we
use words like they and them because not all I
mean there are I can't believe that the Democrats tried
to kill him or the Liberals tried to kill him.
People of that ilk some of them are crazy, just

(01:59:32):
like some of the conservatives are crazy. I'm just leaving
that open. I'm not making excuses for anyone. I'm just
saying that I think it would be unfair because this
guy had left leanings to blame that murder of Charlie
Kirk on liberals. I mean, just like it would be
crazy if a conservative does something to blame it on

(01:59:53):
all conservatives.

Speaker 2 (01:59:54):
That's all I'm saying. It's not like I'm losing my mind.
It's just logic. I'm just trying to be logical.

Speaker 4 (02:00:01):
Here, and I think, no matter what we all agree,
violences sucks. We got more coming up on the Troubleshooter
Show three O three seven one three Talk seven one
three eight two five five. It was really nice to
hear from Mark out there. Dan McKenzie can do a
will for you, a simple will. He can do more

(02:00:21):
of a trust. In fact, Bo went to Dan McKenzie
and loved the way he does business, and Bo was
doing a trust. You can do as simple or as
complicated as you need, and Dan McKenzie will make it
very understandable for you. So Dan McKenzie a state law.
We love him and we actually use him. Eight three

(02:00:43):
three co plans eight three three co plans go with
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Speaker 12 (02:00:56):
You don't pay a cent until you're content.

Speaker 4 (02:01:02):
Time for an insurance check 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
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.

Speaker 2 (02:01:25):
Hello, I'm Tom Martino talking to Kendall. Now. She has
a question on homeowners insurance. Go ahead, Kendle. What's happening.

Speaker 9 (02:01:33):
Well, I really didn't have a question, I just had
a comment.

Speaker 2 (02:01:38):
Okay, go ahead, Kendle.

Speaker 9 (02:01:39):
I heard that you were talking about increases of seventy
percent on homeowners Yes, my homeowners is done f three
different times over the past three years. And all they
do is say, well, you know COVID, well, you know
the terraffs, well you know this has gone up and that,

(02:02:02):
and you know it's getting ridiculous. I think the interest
companies at large all need to be audited because car insurance,
homeowners insurance, health insurance. I'm on Medicare and I've got
a supplement for prescriptions and I got to notice yesterday

(02:02:23):
that my prescription premiums are going to double.

Speaker 2 (02:02:29):
Wow.

Speaker 9 (02:02:29):
Now I can see some increases along the way for
cost of living, but this is getting way out of here.

Speaker 4 (02:02:38):
Well, you know, I hate insurance. I don't know how
else to put it, and I hate it. I know
why it's necessary aggregating losses amongst many to make it manageable.
And truly the concept, if taken to its logical conclusion, works.

(02:03:02):
Not everyone will have the same problem at the same time,
and there should be money from pulling all of this.
There should be money available for individuals problems if the
money is invested properly, etc. But here's what happens that
bothers me. So we collect premiums from a million people,

(02:03:26):
and we have a million.

Speaker 2 (02:03:28):
Dollars or ten million, whatever we have, and then we
start aggregating losses and paying out losses here and there,
and we have money left over, and we invest this money.
What I don't like about insurance is where they take
legitimate claims. Now, not only are they not going to

(02:03:51):
they start not paying claims for.

Speaker 4 (02:03:54):
One reason, and one reason only, to increase profits for holders.

Speaker 2 (02:04:01):
With any other business, I have no problem with that.
If you want to increase your profits, you can by
increasing production and by doing constructive things. Insurance is the
only industry, the only industry that increases profits by by

(02:04:22):
screwing people. Okay, that's that's an easy way to put it.

Speaker 4 (02:04:25):
Other companies, if they increase profits, like Bob at plumbline.
If you guys want to increase profits as a home
services company, you increase the amount of business you do,
or you you give them enhanced products, or you upsell
them to better products or whatever you and then every
day and then you have price increases.

Speaker 2 (02:04:46):
But you are producing a product and a service and
all of that. You're not doing it by denying it.
You're not going to a house saying, pay us for
that furnace, but we're not going to install it. That's
what insurance does.

Speaker 4 (02:05:00):
You're still paying the premium, but they choose what they're
not going to provide. It's the only industry predicated on
making more. In order to make more profit, the only
thing they can do other than raise a premium is
deny coverage. It's denials that make them money. It's a

(02:05:21):
very negative industry. There's got to be a better way,
and a better way is it's one of the few
industries there should not be profit. I don't mind people
getting paid, but there should not be stockholders making profit.
That should not be That should not be an insurance

(02:05:43):
because the model was not made for profit.

Speaker 9 (02:05:46):
And it's mandatory anymore that you have some insurance.

Speaker 2 (02:05:51):
That's right, you're right.

Speaker 11 (02:05:52):
My homeowners want.

Speaker 9 (02:05:54):
Me to cover my home for one and a half
time to replacement you. They said, well, that's suggested by
Colorado law I had.

Speaker 2 (02:06:07):
But wait a minute, though, it is a good idea.

Speaker 4 (02:06:11):
That's there's nothing wrong with ensuring for more than your
You got to ensure for more than your house.

Speaker 2 (02:06:17):
You have to because of building costs and all that stuff.

Speaker 9 (02:06:21):
Well, I understand. But when they come back and raise
your premiums because of building costs and then say well
now you need one to have time, that it does
not make sense. Because if my house completely lost.

Speaker 15 (02:06:39):
Yesterday or today and I just paid my insurance, I
would only expect the amount of the replacement costs of
the home.

Speaker 2 (02:06:51):
Well, they can't. Okay, I have to put you on hold.
I got to take a break. Okay, here's the bottom line.
The replacement cost of the home is not going to
be the replacement cost of the home. That's why they
have to put a cushion in there. I don't mind that.

Speaker 4 (02:07:08):
That part I actually don't mind, and all insurance companies
require a buffer. The part I don't like about insurance
is when they deny claims that should be paid because
of stockholders. My message to the insurance industry is this,
or to the regulators.

Speaker 2 (02:07:27):
It should not be for profit.

Speaker 4 (02:07:29):
The company should be owned by policy holders, and it
should be done specifically without profit. Profit does not belong
in the insurance model. In order to make profit, they
must deny coverage.

Speaker 2 (02:07:47):
It's just weird.

Speaker 4 (02:07:48):
All other companies produce more to make profit, insurance produces
less to ensure profit.

Speaker 2 (02:07:59):
Got more coming up?

Speaker 4 (02:08:05):
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dot com.

Speaker 12 (02:08:09):
You don't pay a cent until you're content.

Speaker 4 (02:08:15):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven seven
to one help. You'll think you're his only customer when
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nine two zero sixteen twenty two.

Speaker 2 (02:08:39):
Hi Tom Martino here three O three seven one three
talk seven one three eight two five five. By the way,
there is a scam going on right now where people
are offering to do positive reviews for discounts. And I
don't know if if you've ever been trying to has

(02:09:01):
anyone tried to blackmail you bob logan for positive reviews? Seriously?
Have you ever had that happen? Oh? Yeah, it was
becoming a major problem. You don't do this, I know it.
They're actually saying, Hey, if you don't do this, I'm
going to blast you.

Speaker 4 (02:09:20):
They're using it, or they're saying they want to be
they want an extra discount for positive reviews.

Speaker 2 (02:09:26):
Now I've been. I was swill placed once.

Speaker 4 (02:09:30):
And they said that if we did a positive review,
we'd get a discount at a service. It was an
over the counter service, not anyone that I know on
our referral list. And I said, that's kind of weird.
I said, So if someone comes here and they wanted
you to post the review as you were getting this

(02:09:51):
service done, let's just say this wasn't it.

Speaker 2 (02:09:54):
But it's kind of like you go there and well,
I'll just tell you what it is a hydration bar.
They wanted you to do a positive review and in
return you got a discount, and I thought, that's kind
of weird.

Speaker 6 (02:10:05):
It's a little unethical.

Speaker 2 (02:10:07):
Well, I mean, I mean, I.

Speaker 4 (02:10:08):
Don't mind doing a positive review if they're good, but
it seemed weird that they offered a discount for it.

Speaker 6 (02:10:14):
You shouldn't pay. You shouldn't pay consumers for a positive review.

Speaker 2 (02:10:18):
No, you shouldn't. You should do a great job for
a positive review. But some of them are saying, look
like these one star reviews, worst movers ever.

Speaker 4 (02:10:29):
They arrived without the proper qui blah blah blah. Except
guess what, wasn't even a customer. Now that's another thing.
How do you stop people from reviewing you when.

Speaker 2 (02:10:39):
They're not even customers.

Speaker 4 (02:10:42):
We had an auto repair guy go online and do
a bad Here's what happened.

Speaker 2 (02:10:50):
Pro Autocare, which is a great company, did.

Speaker 4 (02:10:55):
A job for a company for a car, and then
that guy was complaining, okay, and so he went to
another shop, and that other shop didn't say take it
back to pro Autocare. They'll they'll fix it under warranty,
because pro Autocare would. Instead, he said, he posted a review.

Speaker 2 (02:11:17):
His competitor posted a review saying I had to fix this,
blah blah blah blah, I had to get And what
I'm saying is is they're using it. I don't know
they're using it wrong. I think a customer review should
be just that, and we're having a problem with a
lot of fake reviews. You get reviews. To me, i'd

(02:11:37):
throw those out the window.

Speaker 4 (02:11:39):
If you posted a review about another HVAC company should
be thrown out the window. Or if a sewer guy
posts one about your sewer department. I don't think competitors
should be allowed to review their competitors at all. That
debt just should be thrown out the window. Number two,
I should there should be some way to make them
be to verify them as as a customer. But I

(02:12:00):
don't know how you do that. I don't know how
you do it, because technically, how would you do it?
How you don't when someone posts a review, you can
say they were late, they were this, they were that,
and never have used them.

Speaker 2 (02:12:15):
Right there, I guess there is no There is no
clean way is there to take.

Speaker 10 (02:12:19):
The owner of the company. You had to go in
and refute these reviews, and you have to do it immediately.

Speaker 2 (02:12:25):
You know, this person wasn't a customer.

Speaker 4 (02:12:27):
Or if the person wasn't a customer, they should take
off their reviews completely if they weren't a customer.

Speaker 10 (02:12:35):
I mus Tom when as in business, we had unfair
reviews and there's nothing on the planet that there's no
avenue to remove these reviews.

Speaker 2 (02:12:44):
The Yelp reviews, they're like there forever and it's not
just Yelp, but it's everyone. I think what they what
you have to do?

Speaker 4 (02:12:51):
I see, the way it really should be done is
when a review is posted. I mean, in a perfect world,
the person at that place, like at Yelp or at Google,
should take that review and then verify it with the
company and then verify its validity get an explanation from

(02:13:13):
the company. I mean, that's what we really do. When
we get a call about a company. We call the
company and say, well, how did this happen? And they
tell me their side. The consumer tells me their side,
and then I decide is it good or not? I mean,
what's wrong with that? You get both sides of the
story and decide. You say, well wait a minute, that
wasn't right, and you got to make it right. I mean,

(02:13:35):
but these reviews are all just reviews. They're just a
one sided review, and it would be impossible for these
companies to investigate every one of them, so they just
live there and you don't know if.

Speaker 2 (02:13:48):
They're real or not. What is the answer. What is
the answer to accurate reviews?

Speaker 6 (02:13:54):
I don't know if there really is an answer.

Speaker 4 (02:13:56):
I think one of the answers is this, if there
are enough of them, okay, hundreds of them, then you
can see a trend. I don't think you can fake
hundreds of reviews. I don't think you can fake them
to be good, or fake them to be bad, or
even your competition.

Speaker 2 (02:14:11):
If there's hundreds of them, that's a different story.

Speaker 4 (02:14:15):
If the review sites also track IP numbers so they
don't let you post from the same IP over and
over and over.

Speaker 6 (02:14:22):
Supposedly they do, whether it's positive or negative reviews, well.

Speaker 4 (02:14:26):
They should, But I think when you have hundreds and
hundreds of reviews, I think you get inaccurate.

Speaker 2 (02:14:32):
No matter what, there's always a thread of truth.

Speaker 4 (02:14:34):
You can't have enough people angry or enough people happy
that they keep that you know.

Speaker 2 (02:14:41):
The thread of truth happens with multiples. If you have
a thousand customers. I don't care who you are, and
you're not doing a good job, it's going to show up.
If you have a thousand, you're doing a great job,
it's going to show up. Because Bob, even you guys
will get a squeaky wheel. Who who's a pay in
the ass?

Speaker 4 (02:15:01):
Okay, And guess what if they're a pain in the ass,
that doesn't mean you're a bad company. And I think
some of you companies, and I don't know about you guys,
they bend over too far backwards sometimes for a squeaky wheel,
because that person is just bad news and they would
be bad news for anyone. But in any case, the

(02:15:23):
review business something. Somebody's got to come up with a
better system. I mean, I don't know what it is,
but somebody's got to come up with a better system.
We have more coming up on the Troubleshooter Show.

Speaker 2 (02:15:35):
I want to tell you we really love when we
hear about companies on this show. I'll tell you that
I get great.

Speaker 4 (02:15:43):
Reviews about KANH and people are thanking me for the
painting part of them. KANH and that's Khwindows dot Com.
They have painters now and it's a sixty five year
old company that you can trust Khwindows dot com