The Troubleshooter 06-20-24

Yeah, rip tough news to need advice, So you don't have the We'll come running just as fast as we can. Show Shooter's gonna help come man, This is the Troubleshooter Show. No Tom Martine. Hey, I'm Tom Martino. Welcome to the show, the only show of it's kind anywhere in the universe. We are here to help you solve your problems and make life

just a little easier. So what you need to do is simply give us a call at three oh three seven one three talk three oh three seven one three eight two five five, and we were going to go right to the phones. This hour brought to you by waterpros dot net, the best water systems at the lowest prices bar none. If you want pure, wonderful drinking water for coffee or for drinking at your kitchen sink fourteen hundred dollars fully installed.

Three zho three eight six two five five five four. Let's talk to Donna has an issue with a contractor whatever your issue is. Here's the bottom line. Don't let those issues fester. Don't wait a long time. The longer you wait, the harder it is to get them solved. Sometimes it's too late. But what's going on with you, Donna? What's happening? Hey? Tom, goody? How are you good? What's going on?

So? I have a small side yard that I advertised on the next door app, yes, or air right for somebody to come and air right the yard. Yeah, you know Facebook, Marketplace and also next door and all of those. I mean, they have their place, but I'm telling you more and more people get ripped off on those sites because there's no oversight. Anyway, go ahead, what's going on? Count me in on the ripped

off thing? Anyway. I got a call and this guy introduces himself, my wife and I would like to come look at your yard, and you know, well, we'll tell you what needs to be done. So they get over here. He says, your card doesn't need to be air rated. Really, that's not going to help. He said, what we can do is get a rent a rototiller or you know, a skid. How much did he quote you? Well he didn't. That's Tom, I got

to tell you a lot of this is my mistake. Okay. So when you when he said well you need this and this, did you say, okay, just go ahead or how did that go on? I said, Well, tell me how that works. Do you do it in stages? Because I said, I also would like to have a small fence built. We can do that. I said, So could you also lay some papers for a patio? Oh yeah, we can do that. Well, everything I mentioned they could do. And I said, okay, well you know,

oh another thing. His wife was supposed to draw out some plans to bring back the next day and show me. Well I never did get that. I never got a drawing of any sort at all. And I think it was the day after that day they came back and I said, oh, did you do the drawings? Oh? I left him at home. Well, Tom, I can tell you that that was on April eighteenth. Okay, is that when you first hired him? April eighteenth? Yeah? Yeah? Now did he did he do any of the work first? Yes?

Did you pay any money up front or did you pay as you go? I paid one thousand dollars for material Okay? Did you at least get let's take one thing at a time. Did you at least get a thousand in materials? I might have, but they didn't end up here. Oh my god? So what did you get? Okay? He did rent a

rot of tiller. He did use the rotatiller the down payment of a thousand when I got an invoice, I have a rental of the rototiller and fuel, which he says is two hundred and seven dollars and seventy four cents. Okay. So without going through each and every item, he rented a rototiller, did he do any rototilling? He did, okay, So you got the you got that done? I did, okay. He also, on a different invoice invoiced me for picking it up, the labor and returning it.

So I've got, like I said, the rental and the fuel, and then an hour to pick it up, four hours of labor and an hour to return it. So the whole thing, that part of the job costs how much according to him, Oh gosh, ninety one eight events just all together, he's seventy a little bit. Why as five hundred dollars okay, So by his calculation, you had five hundred dollars coming. Did you get five hundred dollars worth of work? No? After that? What did

he do? After that? What did he do? So? Then he said, well, you know what, your yard's not level, so we need to rent a skid steer. I said, oh, he said, yeah, the rotortail or you know it can it can chop? So did he rent one? Did he do anything else after that? What jobs did he accomplish after that? He did? He did run, he and his wife operate can operate a skid steer. So we had one delivered and he did do the skids steer work. And then how okay on the skid steer

at to level the yard? Then what did he do? Then he put some string to indicate where the patio is going to go, and it was about a twelve or twelve patio, okay. So he also picked up rock from a local rock company and spread it where my cars are going to be parked. So it sounds to me, Hold on, Donald, where do you complain? Because it does sound to me like you hired a guy and he didn't take off with the money, but he attempted to do some work. Now, I'm not going to sit here and say he did a great

job or anything, but what exactly is the complaint? Because you kind of got what you hired. You got two people who did some work, and whether or not you agree on the individual pricing, that's on you. But what is the problem right now? I mean, at least you didn't get completely ripped off? Right? Not completely? Well, where is the problem? Tell me what you're complaining about right now? Okay? So on an

invoice that I got from him. Yeah, he has two by four's construction screws and roofing screws for two hundred and fifty dollars and you never saw that part. No, and landscape fabric, patio fabric, drum none of that is that your place? No, the landscape fabric is the drums and belt. I don't even know what that is. Why don't you just go through that invoice and pay him? You paid a thousand bucks and it sounds to me, unfortunately like the roto tilling and the skid steer probably and the rock.

I mean you, the thousand dollars has gone. Now the question is how much more or less do you owe? Wow, that was the first invoice. How much? Let me just cut to the chase. How much does he want right now? In addition to the one thousand he doesn't want anymore, I've paid him, and altogether, Tom, I've paid him thirty two hundred and eight. We Well, where wait a minute, you told me one thousand dollars. Where'd the other money come from? That was on

the first invoice. The second invoice that he invoiced me for was the rototiller, pickup labor and return. Okay, hold on, I don't want to go through each item. You paid a total? Love you? Okay, you paid a total of thirty two hundred dollars. But why did you do that? Well, that's my mistake. And when I asked him for a receipt, I haven't seen one receipt from him. Well that's but okay, So now where where do you stand right now? Like the work right there?

If I went to your house and looked at the work, how much of that work has to be redone? It's been its being redone as we speak by who to a friend of mine? And did they say all the work he did was useless? Not useless? No? Okay, then you need to figure out here. It's very simple, and we don't mind calling the guy. But I doubt you're going to get a dime from this guy. He probably is a church mouse and doesn't have anything, and you hired

him off the next door. You didn't have a contract. The guy doesn't sound like a rip off. He sounds maybe a little incompetent. So what you have is thirty two hundred dollars paid. You have to go through that and figure out how much he overcharged. I don't mean, by opinion, overcharged. I mean for things you absolutely did not get. If he overcharged for skid steer, that's on you. If he overcharged for what at rot

or tilling, that's on you. However, if he said you're going to get this, this, and this, and it absolutely isn't on the job, then you should subtract it, come up with a total, and we'll go after him for it. I mean, that's what you do. But at this point we need to put the word out. Although I don't think that guy is a rip, he obviously left a lot to be desired. What's the name of the company. It's called the and it's th h E

E. Life Outlets l LC, the Lights Outlet. Okay, the Life, the Life Outlets, the Lights Okay, okay, okay, Well what do you want right now? What were you hoping we'd say to you? This is just what we said, because that's what you need to do. You need to figure out how much upside down you are with this guy, Well, I can't until I see receipts. Well, no, that's not true at all. That's not true at all. You need someone to look at the work. Here. Here's what you need to do. Okay,

you got receipts for the first sum. You need to have whatever he said you got. You know you do have some invoices. And then you need to have somebody look and say, was this this done, this done, and whatever was done? Value it on a reasonable value. And if it comes to twenty eight hundred dollars, he owes you four hundred. If it comes to twenty five hundred, if it comes to two thousand, he owes you twelve hundred. You need to have that valued. Now, you need

to have it not discount valued, but valued. The quality of work, unfortunately won't come into it unless he did damage. You just have to give us some idea. You. First of all, he owes you no receipts. Okay, I know you think he does, but he doesn't. All you need what he owes you is a reasonable amount of work for thirty two hundred dollars. What did you get? What did you not get? Call us back. I'm going to mark this down and I took copious notes,

so call us back and we'll start from here. I want you to go through and find out if what you got was worth thirty two hundred or what was it worth got? And I promise you we'll go through it one at a time. Three oh three seven one three Talk three oh three seven one three eight two five five. Hi Tom Martino, your troubleshooter. Three oh three seven one three talk three oh three seven one three A two five five. We got uh Eli. Who wants to talk about a mobile home?

Whatever you guys want to talk about. Listen. What I love about this show is we talk about everything. Now. When it comes to investing, I know you're going to hear all things from all people, and I'm going to tell you something that you're never going to hear anywhere else. There is no such thing as the perfect method. There are different areas in different times of your life, different seasons where different investments make sense, and there are

other seasons where they don't make sense. There is not one solution for everyone. Now. The reason I say that is because so many people have ideas on how to invest money, and it became a passion for me, like health became a passion to me to investigate that, and I found that there's a little bit of truth in everything and then also a little bit of exaggeration. So we're gonna be talking about that coming up, and I want your input. And I'm also opening up my Google line once again. It really

worked out. And I'm serious about this. Don't abuse it, okay, as they say, don't abuse it. But I'm going to open up my Google Voice number. It's my private Google Voice number. So please, if you want to message me here on the show today, you can do it. You can text me at this number and here it is seven four seven nine nine, nine fifty to eighty. I think it's cool number. That's my Google number, and that number you can text even you know, and

so so I just want to leave that open to you. And I did it for the first time this week and it worked out pretty well. So, Eli, what's going on with this mobile home? What's happening? Well, my I'm sorry, I'm a little nervous, but anyway, I'm sorry, Eli, listened look at it as a conversation between you and me and hundreds of thousands of people that will hear it. Go ahead, okay, Okay, So Okay. So I bought a mobile home approximately about four or

five years ago. Was it newer used? Eli? New were used? I'm used? Okay, go ahead? Uh huh? So I paid fifty five thousand for it, okay, And I don't know what what happened that that we we got evicted, a family of five? We got wait wait wait wait wait wait wait wait wait wait wait. You bought the mobile home from a private owner, yes, and it was set up in a park. Yes. And then when you say you were evicted, well, there's a special eviction process for mobile homes. So did they did you have to

move your mobile home? No? They that that park you can't take any of the mobile homes out like you can't. You can bring one in, but once it's in, there's nobody can take it out. That that's that's not that's not true. Now they told you that when were you evicted a week ago? Now I don't understand this. Why were you evicted? Were you not paying the lot rent? You know what? We Yes, we were. However, they said that our that our that our graph needed to

be maintained, and that the yard was messy. However, there was nothing messy about it. So were you were you paid up? Were you paid up on your mobile home? Rent? On your lot rent? You know what I was. However, they did not accept any of the payments that because our yard was mess. When did they stop? When did they stop taking payments? In May? So May they didn't take the payment anymore? And when were you out when you were just okay? So for May and

June they would not take your payments? Correct? Correct? Now? Listen, this is we got to get right on this. We got to get rid of this. There is a special procedure for evicting mobile homes, and they're not. They can't tell you you can't have your mobile home. They told you that they're taking your mobile home. Not only that, but they didn't only evict us, but they changed the locks on me. Oh no, wait did they go through court? Wait? Did they go through court

to do this? Yes? But when we were wait, well hold on, hold on, I need to know the process. Hold on, now, Eli, what was the process? You actually went to court then, but they didn't. They didn't show up. They said that the only reason why we went to court is so that we that we knew that the whole family knew that we were going to get evicted. Hold on, hold on, they had a court date. Yeah, how did they Did they change

the locks after the court date? Yes, they did on Monday. On Monday, I had the mobile home for sale through a realtor, and the realtor went to go look on the property and there was a big notice saying that we were evicted and that nobody can go in there. What is the name? I don't know if they did this legally or not. I mean maybe they did. I don't know. What's the name of the mobile home park. It's a front Range community mobile home park. And where is it

in. It's in Broomfield. It's right off of like most Way Boulevard and zunif All right, hold on, I got Deputy Bow, I have Deputy Dollar guys, which went Seriously, we need to at least make sure they did it according to the law. This doesn't sound right to me that they went to court and locked the doors. I mean, just this doesn't sound like a normal eviction. You're sure, Eli, you own the mobile home? Do you have a mortgage on it? Do you have a mortgage on

the mobile cash? I paid cash for it, but I have the documents. Oh my, so what I don't understand is how they can. Yeah, not only evictors. Okay, we're evicted, but how come they are taking They're already taking it apart. They took everything apart. Now they're putting it on wheels so they can haul it away. But it's my home. I don't understand this. Okay, who's gonna take it? Kachina, tell me figure it out. We got we really need to talk about this.

This is unbelievable to me. I mean, it really is. There's something going on here, and we got to Now. I know Brad O'Brien, didn't he say once he doesn't know about mobile homes or laws. We got to figure out who does. Guys, let's get on this. Hold on, I'll be right. I'll be right with you, or one of our people will be right with you. Okay, three ozho three seven to one three talk now, listen to this. Amber says she's being sued. I

think it's a discover card. We'll talk about that and more coming up on the Troubleshooter Show. This is, I can tell already turning out to be a dreadful day for people, especially when you get your mobile home lockdown by the way eight eight eight heating dot com. If you want honesty, integrity, value, you want good people, how about just putting it that way?

Great prices three O three seven seven zero two seven seven six. Hi Tom Martine, your troubleshooter three O three seven one three talk three oh three seven one three eight two five five. I'm gonna go to a whych I hear? I'm also joined by bran Ivans and now Ideal Home Loans talk a little bit about loans. I also said I wanted to talk about investments and behind the scenes, what's happening with mortgage rates. First, mortgage rates are

used, or interest rates are used to control inflation. Uh, the FED, they'll raise the rate a bit, and that rate will be raised in order to slow down borrowing and slow down the economy and the use of money. But that's one rate. And then there's another rate that banks lend to each other. But the rate that affects mortgages brent, is what rate that the FED sets. Well, so the FED sets are benchmark interest rate prime correct, and then they're okay, funds rate, So federal funds rate,

the bank's right right. So with the federal funds rate, that's the rate that banks pay the FED when they borrow money overnight. That's exactly right. The discount rate is what banks charge each other, and the prime is what they charge their best customers. But it's all based on federal funds. Yes, and then what ultimately drives mortgage rates is the tenure Treasury, so we will follow the tenure Treasury. So a tenure Treasury bill is a benchmark for

thirty year loans. Yes, usually they are a bit lower than thirty year loans, right, Yeah, So what you'll have happen like right now, Historically, what you've been able to do is you take the tenure Treasury add one point five to one point eight to it. So we call that basis points in our business, right, and that should be where the thirty year fixed rate is. Right now, what you're seeing is the tenure Treasury is at four and a quarter roughly, and you're running about a point and a

half ahead of that. So we're running a little or two and a half points ahead of that. So we're running at four right now. It's four point four eight, you're right on. So, and that's the tenure t

bill, ye ten year t bill so or or yeah. Yeah, So what's happening is we were discussing off air before we got on, is that you're seeing this spread run out ahead of everything because there's all this unpredictability on what the Fed's really going to do and when they're going to do what they're doing, right, are they going to raise, are they going to cut? Are they going to stay? But okay, so normally on a four and a half percent federal excuse me, a T bill on a on a

or T notte, it is for ten years. So if it's a teen not ten years at four and a half, normally your mortgage would be what would be six er six? Okay, but now this spreads wider, Yeah, the spreads wider. So today we're at seven and a eighth on a thirty year fix, So we're running a full point in an eighth to a point in a quarter above what that traditional historic spread has been. And what my my goal here is to try to educate as well sure and to people.

So here's the bottom line. What you find when rates go up, it's because it's let's put it this way, they have to lure investors to the mortgage market and pay them more that means people have less faith in borrowers and less faith in the economy. So it's not just the FED rate that does that, but it's the rate that people are attracted to. So if people have no faith in the economy, they want won't go to mortgage and they won't buy mortgage bonds. So they have to offer these investors more money

for those mortgage bonds. And if they pay the investors more, you're gonna pay more. And that's really a reflection of the economy. So it's a little bit of everything right now, Yeah, it is. It is a little bit of everything, for sure, you know. And look, part of what we're battling economically is during COVID, we handed out thirteen trillion dollars in money. It takes a long time for the work its way through the economy and through the system. But we are starting to see signs of inflation

weakening. We are starting to see signs of unemployment, which, look, the FED is not going to come out and say this, but essentially what they're trying to do, they are trying to create a job loss recession to cool off inflishing because that's the tool that they've had got it now, So that's where they're trying to that's friend Ivanson ideal home loans. By the way, Amber, go ahead, what's going on now with Discover? What's happening?

Amber? Him? High? Amber? What's happening? So earlier this week, I had a process server come to my home and you know, brought me to the paperwork that I'm now, this is Discover a credit card? Right, yes, it is okay? And now why now? I actually don't have any issue with the debt because it is my debt. I pay How much is it? It is six thousand roughly okay? And why did they serve you? Did you stop making payments? I actually couldn't make

the payments because I lost my job. Okay. Now I have a job and I'm getting back on track, and so I don't have any any issue with you know, it is a debt. It is my debt, and I will pay it. How many months does that represent? How many months did they wait before suing you? It was approximately four months? Okay, So what is your question? So my question is, so the process server came to my home, knocked on my door. My children answered, you

know, closed the door, came and got me. So I come to the door and I'm talking with her, and she, you know, tells me who she is, tell me what she's doing. And it's like, okay, well I'm going to refuse your service, Like I don't even that doesn't matter though, No, you're just putting off the inevitable. I mean, refusing service doesn't help you. Okay, go ahead, And I understand that. But my issue is that, you know, I told her that, I figure, you know, you're just going to leave it on my

porch or something along those lines. She reaches inside my door, passed my daughter and puts it on my couch and you know, walks away, and I'm like, hold on a second, can you do that? And I yea she can hold on the trespassing part, I don't think she can do. But you were served, though there's two separates. Really, the real issue isn't whether you can be served or not. I mean you're served. I mean you know you owe the money, so so really what you should

do is contact them and try to avoid court. And I'll tell you why. You don't want a judgment against you. It's going to really hurt worse than if you had a payment plan. Both are going to hurt your credit, the missing payments and all that, But a judgment is really going to hinder you. Okay, see, here's what I'm doing. Here's what I want to say. In essence, no matter what that processor did, right or wrong, it's not going to prevent It doesn't address the core issue.

But you're rights. She should have not have done that. That is absolutely wrong. Absolutely, in fact, it's trespassed. I don't think anybody will do anything about it, but they should. She should have never done that. Can I have least I mean, and you know, nothing may come of it, but can I at least report that to some Oh? Absolutely, to the police. It's trespassed. They were not supposed to come in your house and do that. It's trespassing, especially if you told her not

to and told her to leave, or told her you're refusing. Now, what she should have done is just throw it inside the door. I don't know why she walked in there and put it on your table. Yeah, but listen, Amber, if you call that collection attorney, most likely you know, if you tell them you just got your job back and you start making payments, they'll withdraw this. But don't whatever you do, show up at court unless you actually get a dismissal. Okay, when is the court

date set? July eighteenth? Well, I would contact them and see if they'll not dismiss it, but withdraw it until because you're going to make payments and set up a payment plan. That's the best thing. Now, if you get a judgment, I mean you, you can also get a judgment if you don't care, and you'll get a judgment and then they'll be entitled to collect payments and they'll garnish wages and stuff like that. But try to avoid that if you can. But you're right that process server is not allowed

to cross your threshold. Three all three, seven to one three Talks seven to one three A two five five. Hi Tom Martino here, Welcome to the show. Denverregen dot com for Semiglue Tide on a compounded basis monthly for just two hundred and fifty bucks a month. Unbelievable price for the weight loss drug Denverregen dot com. Hey, Nick wants to talk about a parking violation.

Brent Ivnson is with me for ideal home loans. We're also going to talk about mortgages and what's in store for us, especially with an election year. You know, election years really play havoc on the stock market and on loans. Hey, Nick, what's going on? What's happened to Nick? Good morning, tom My name is Nick. First time caller. I've been listening for quite some time. Thank you myself. I do appreciate that. I hope I can help you. All right. Well, I found myself

in a parking situation. I've parked at this lot. It's also it's by a McDonald's on like Pennsylvania and like Cullfax, just north of full Fax, and I've worked there before, and this time I parked here and they served me a parking violation. And now what kind of a parking violation? It's it's good you weren't toad tell me about the violation. So I parked, I paid, I left, and then they send me something in the mail saying that like, hey, look, your ticket was expired, so we're

servicing you parking violation. Was it expired? I well, according to the picture I took of their so sign, it's three dollars per hour, nine dollars per day, or nine dollars per night. I got theared of the according to their ticket at eleven oh five pm the twenty fourth of February, and I left at one forty five the twenty fifth, so from Saturday night to Sunday night, I believe it was. And you know, are you let me just ask you this. Are you basically saying because I wasn't keeping

track of the days there? Are you basically saying that what they're saying is is inaccurate? Yes? Okay, you left and they claimed that they're violating you because you were still there. Yes, okay, you know the plot thickens a little bit more because I'm emailed them. I was like, hey, look guys, I paid you know, I was only there for like less than three hours. You said it's three dollars per hour. I paid nine dollars, so that satisfies. Okay, I know what you should do,

nine dollars per night. I want you to hang on. I know what you should do. And there's something about these tickets. I want you to know that you may or may not know. I'm Tom Martino. We'll talk about this coming up along with everything else on The Troubleshooter Show three oh three seven one three eight, two five five, or you can call three oh three Martino. Yeah, real bad news to need, advice who you don't have the come running just as fast as we can. Shooter's gonna help

coming man. This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino here, Welcome to the show. Three O three seven one three talk three all three seven one three eight two five five. We are here to help you in every stage of life. We try to help you with problems, questions, complaints, information that you need to make your life a little easier. That's really what I've dedicated myself to. Now. Brent Ivenson is with me for ideal home loans, as I always say, for your next

ideal home loan. But I'd like to talk about rates. And a lot of people are waiting to buy because they're waiting for rates to drop a little. I kind of think it's foolish, and I'll tell you why. When rates drop, I perceive that real estate prices go up. Brent, That's what I perceive. What do you think? I think you're absolutely right. I think we're seeing a little bit of a softening right now in real estate

prices and listings and people cutting prices. But I think as soon as you see rates drop and again when we see that first move from the Federal Reserve, which now the cut is scheduled to be in September. Seventy percent probability they're going to move rates a point in a quarter potentially at that point. And when they do, and if they do, you are going to see a lot of buyers hit the market, and that is going to run up

prices because look, our inventory levels are still very very low. There's just not a lot of inventory out. But as soon as rates go down, people are going to put houses on the market. They're purposely not doing it now, and then you're going to have more buyers hit and you're going to have more competition and rates and prices are going to go up. Now.

I'm not recommending you go out and pay anything or buy a house, but even if you did buy a house and you're paying even a full one or two or three percent more, what you to get the deal now and then refi later. That's absolutely right. I mean, look, we talk about this concept we have inside of Ideal Homeowns is marry the home, date the rate, Okay, the rate. We can move the rate down as the

rates go down later on with our interest rate. Get your house lock in the price now, because you're going to get the best price by dealing with what's on the market now and buying now, whereas later that price might be dramatically more expensive. And look, it doesn't take much of an increase in that price to offset whatever goes on the interest rate market, so you somewhat insure against that by buying now and being able to refinance later. Okay,

Now I ask people they can and text me now. Not only at our five seven seven three nine, which is the iHeart number. You can text, of course, put Tom in the subject or Tom in the beginning. It'll come right to me five seven seven three nine. You can also text me on my Google Voice number, which is my private Google Voice number, so it comes right to me seven four seven nine nine nine fifty two eighty Jr. From the Road says that southbound two twenty five is a parking lot

from I seventy southbound. I don't know what's going on there. Somebody else wants to know what I think of relief factor and Alpha Bran and these other pain relief things. I just want to say this right up front, Okay, one thing you're going to get for me all the time is complete transparency and honesty, because I don't care anymore. As far as well, I shouldn't say I don't care. I care a lot, but I don't have to behold to anyone, all right, I don't. I never really have,

and I'm gonna. I always thought this way. What good is it to be you and to have you make a wrong decision and have you hate me the rest of your life? Why would I ever do that to myself? And you don't last on the radio for nearly fifty years on radio and TV by exaggerating and lying to people. So relief factor and all of those are very limited in help. There is no cure in a cream. Ever, there's temporary relief and it's simply analgesic. That's all it is. Okay,

aspirin tile and all relief factor. I mean, these people will say I couldn't do this, and I couldn't do that, My life has changed completely. It's just bull crap. Okay, I'm just I'm sorry, it's bull crap. Does it give you some relief? Yes, it does, Ben Gay gives you some relief, Okay, because what it does it either stimulates blood flow in that area or it simply numbs the area, or it

gives you heat and it distracts your neurons. Do you understand distraction sometimes is a way of pain relief, and by creating that heat, it's a distraction from the pain many times. Or it can deaden nerve impulses if you have a certain compound that can do some numbing. But there's no there's no cure here, okay, And I'm not picking on relief factor. I'm just telling

you the God's honest truth. These products work to a limited extent, okay, And there's plenty of over the counter stuff that works, but they all work to a limited extent. The real help for painful joints and muscles are supplements like magnesium, potassium, and calcium for muscles. The three best minerals you can have for your muscles and stretching which increases blood flow and then movement motion is lotion. I know it sounds simple and honest, and sometimes simple

and honest is the only thing that works. Now, let's keep going, so Nick on the parking thing, keep going. You said that they said you you expired when you said you left earlier. What do they say to that? So it's you know, as you may have noticed, this happened like four months ago. So we've been emailing back and forth about this. The most interesting email I got and I'm going to read it to you at the times on it is. It's actually with an attorney now Daniel B.

Kelly, attorney at law. I guess is now the one that's his department has the ticket. So they I said, hey, guys, can you always look into this. I you know, it says this, I paid this and I still got a violation. I'd like to know why. Well, they sent me a thing and I want you to list of the times. Here it says at the time the notice was issued. The receipt displayed on the dash of the vehicle shows an expiration date time of two twenty five,

twenty twenty four, at eleven fifty nine pm. The parking notice was issued on two twenty five, twenty four. Now, I don't know if I'm crazy, but I think that when they issued the notice, they're saying that the expiration time was at the end of that day. Okay, here's the bottom line, Nick. You know what that parking violation is, right, you know what it is. It's a bill, It's a private bill,

private, Okay, no authority whatsoever. Now, for example, if I told you you can sit in my outdoor dining as long as you order every half hour, and your credit card was on file, and you left and I ran up another drink saying you stayed an extra half hour, it would be exactly like a parking violation. I am simply saying to you, you owe me the money you're saying you don't. The fact that it goes to an attorney means nothing whatsoever. Nothing. They can send it to their

priest. I don't care who they send it to. It is an accusation, it is a claim, it is a bill. You are as right as they are until someone proves it not you. Then so they have to prove that you stayed there beyond expiration. Okay. A lot of these parking violations, by the way, get it wrong. You know these new little signs that you go park, you know, park by phone or whatever, And I have it, and it has the number and it says are you here? You know on that number it's a three zero, three sixty six

four nine or something. You say yes, and then you pick your car number, your license. Pay. Have you seen the pay by phone. Parking. Okay, you'll get notices as your time is about to expire. Now, when you leave, you still get those notices and it tells you. Now, technically you're supposed to say you left, but if you don't, they don't bill you automatically. But sometimes they get it wrong. It's up to them to prove it. You have to prove nothing. You simply

say I left, it's done. That attorney you will have to take you to court, and in court will have to prove there is no proof that I know of, unless they have photographic evidence that is time stamped. Okay, So people lose too much sleep over this. Here's what I say. Here's how I answer those violations. I know when I left, and that is my stance. If you must take me to court, that's the way I leave it. They have no official capacity whatsoever. It's not like the

parking. It's not like a police officer gave it to you. If a police officer gave it to you, there's a certain amount of credibility and a certain amount of objectivity that a judge will take into consideration. For example, why does this police officer care? Why would they give you a ticket? If you weren't really there. Blah blah blah blah blah. So this is not what happens with private parking lots. And I've owned five of them, Okay, I can tell you, and Republic Parking used to do my parking,

and they would do the tickets and all that. They were very honest and very good. I don't know what company gave you this ticket, but I am telling you that it is nothing more than a bill. So way, so, on the ticket, it does show pictures of the time that I showed up with my license plate at eleven oh five pm and of me leaving at eleven forty five PM. And my argument is like, hey, look I paid, here's the nine dollars that should satisfy the thing. So

is that a good enough defense. Well, if it was nine dollars for that time frame, yes, then why are they saying you owe them more? I don't know. That's why. I think it's just well, then then their own proof shows that you're right. Okay, So I mean I don't unless they're saying that nine forty five was the next day. I think that's what they're trying to say. They want to say that my parking lasted from the twenty fourth at eleven five till the twenty fourth at eleven fifty nine,

which you know I paid nine dollars. It doesn't make sense that I only got a forty five minute window when the sign says nine dollars per night. Well, here's the deal. If you know you're right, you fight it in court. You just show them that. I doubt they're gonna take you, but I would go and make your argument. Or you pay how much do they want? They want eighty two dollars. All right, that's up to you pay it. Until I noticed this, well, then that's

up to you. I wouldn't pay. If I thought I was right, I wouldn't pay. Three oh three seven one three eight two five five clam, hang on, we'll give you some Well, we'll hear your problem coming up and whatever you have. Give us a call if you have a problem question complaint three all three seven one three eight two five five. Hi Tom Martinez here, three oh three seven one three talks seven one three eight two five five one clear choice garage doors for your garage door needs. I love

these guys, guy. They're prompt, they're quick, they're twenty four to seven and all of their prices are on their website. One clear choice doores dot com. Seriously, there are a lot of shlocks in this business with a pickup truck or an suv and they know nothing. These guys are factory authorized for both doors. They can do the doors, the openers, any part of them. Seven to zero three seven zero thirty nine eighty seven one

clear choice doors dot com. Don't even think about it. Brent Evans and Ideal home loans real quick here on mortgages, someone wants to know, do you do that loan that a lot of people talk about. I used to advertise one of them where what is it called? Jim? Who does it? CMG? You know the Actuay accelerator accelerator where they can do you do those kinds of alone? Now we have the ability to broke or that, but we don't do it very often. I think we've probably have done.

Yeah, these are it's just where you can how does it work? And even forget it now? Kurt Rogers used to advertise it. But but this loan was supposedly you take out a loan and it's really like a thirty year line of credit. You pay up or down, up or down. It's basically the concept is it's a gigantic heelock on your house, yet will sweep the cash that you have available applied against the balance on the helock lower your effective interest. Yeah, yeah, so and again, and I think it

worked really well in very you know market times. But I think now that helock rates are up as high as they are, I don't think it's as effective as it used to be, just because the rate is higher. Do you do reverse loans? You know? We also do reverse loans? Yeah, you really do. Yep, we have the ability to do them. So I don't know if you want them or not, but I know we've got a lot of inquiry. No, for sure, No, we do reverse mortgages. I mean, look, it's is we have an aging baby

boomer population. It is becoming a great, great way for people to access cash. And we're even having wealth management professionals reach out to reach out to us and say, hey, look, I think it makes more sense for these people to get a reverse mortgage on their home because their homes free and clear. It's a it's an ass well, it's a certainly better than credit cards for God's So I have people say why would you tap equity and let

it eat up your equity. What you don't understand is it doesn't have to eat up your equity. You can make payments on it. You can actually make interest payments rather than a credit card. But I mean, what all I'm saying is this is it's an option. I'm not saying, as I said before, Brent, there is no end all for all investments. And that's the one thing that I learned a long time ago is that there's nothing that's completely right or completely wrong. Well, and in the reality of it

is this. Every single person who calls our office, everybody, everyone's situation is totally different. It's unique to them. And that's why we look at it and say, listen, we have all the products available, we have every option available. You tell me what it is you're trying to solve and where you're trying to go, and we'll give you the vehicle mortgage why and get there. That's why I always say, hey, ideal home loans for your next ideal home loan. I invented that slogan. People, Hey,

clem, let's talk about your problem. What's going on with you, Clem? Tom. I am having a lot of trouble trying to find a lawyer to represent my sister in Oklahoma City. Okay, tell me what the situation is with your sister. Well, she is the victim of I guess you might call it elder abuse, financial exploitation by her daughter and son in law. Now, hold on, does she know she's a victim? Or is

this you recognizing it? She knows she's a victim. I mean she back in twenty twenty when COVID was going on, they courced her to go to their lawyer. And while she was sitting in there talking with the lawyer, they were both sitting one on either side of her, coaching or well, hold on, any good attorney might recognize us. How old was she when they did this? She would have been seventy nine. So here's what I want to know. She has one daughter only or are there other siblings you

can call as well? She has one daughter and one son? And does the son know what the daughter's doing? He knows? Now, okay, so what's okay? Now I want to know what are they doing. Let's let's start there. What are they doing to her? Well, for starters, they got her to sign a power of attorney to the daughter a will, make a will that had the daughter and son in law and their kids as the only beneficiaries. Well, hold on, hold on, hold on.

What is wrong with the mom making a will for her daughter and son. Well, the problem right now is she wanted to move from Oklahoma City back to Billings, Montana, Okay. And in the meantime, along with this process of power of attorney and a new will, they did a new deed. Or my sister transferred the title in her home to not only just her but to her and her daughter. Wros Wait wait a minute, Wait a minute, wait a minute, what does that mean? Though she transferred

the will, I trust me, she transferred the deed upon death. Is that what it is? Or what kind of transfer? Or was it a quit clean immediate transfer? What kind of transfer? I don't understand this. It was it was a quit claim immediate transfer. And your sister says she didn't mean to do that, Well she didn't mean. According to what's happened now her daughter owns half of the house. Well, they just screwed themselves out of any tax benefits for a But is the sister is your sister?

What's her first name? Irene? Is your sister Irene willing to take action against her daughter to say than being victimized? Does the daughter and son in law do they live with her? No, they have their own home. Do you think they'll be mean to her? Oh? I know they have been. Do you think she's afraid of them? Yes, to a certain extent, she is. She isn't right now because she's moved to Billings, Montana. Wait and her home she gave up? Well, her home is

still setting in oaklea home a city. And yeah, but the daughter owns half of it, you said, does Why didn't the daughter move in? Because they have a much better home of their own. What are they trying to take? Is your sister rich? What are they trying? What is their endgame here? Just greed? Just greed is the only answer I have to give you. Okay, Do they say, hey, mom, we have your best interests at heart? Or and what is the brother thing?

Is he mad at his sister for this? Or what? Oh? Definitely he's mad at her. Is he doing anything about it? Well? I don't know. He's a truck driver who is works a lot of hours. And you know this, this is kind of out of totally out of his area of expertise. Okay, I've been trying to help my sister. Is she willing to hire an attorney? She is? Okay? Okay. And you think it's truly elderly abuse. Oh, I've talked to Adult services in Oklahoma City there and he's interviewed me, my sister, her son, and

he what did he call it? It's an old brainer elder abuse. Okay, Now listen, I I want to give you a couple of names here. Okay, Okay, There are there's a law firm that's pretty famous there for looking into nursing home abuse and neglect cases. Now that doesn't mean they handle what you do, but it does mean they have a heart for older people. Right. That's Cain c Ai n Law Office, Cain, the

Caine Law Office. Now, I'm not saying to hire them, I'm saying to interview them, Okay, because usually nursing home types of people know the law for elder But there is another firm that does elder abuse and victims of negligence, reckless behavior, and wrongdoing. Okay, but it's mostly again in nursing home stuff. So you have to ask them straight up. Look, if you can't help, can you please refers to someone. These are respected law firms. One is Dan Davis' Law, ok. And then the other

one again nursing home and stuff. And the reason I give you those they've made quite a name for themselves in the and like I said, when they handle that kind of stuff, you pretty much they pretty much know what elder abuse is. Did the agency have any recommendations at all? Yeah, you have tried the state bar. We'll try these law firms and let's see. Okay, able, don't do that. Talk to the people that have actually

fought for elderly Okay. And again keep in mind that any attorneys that do this kind of law for nursing homes, it's it's usually on contingency, So you know, it doesn't mean they're going to take this case, but they probably would be a good place to start it. I can't stand when kids start doing this to their parents. Does your sister have any money at all? Well, she's got some money, but what would her entire state be worth, house and everything? What would it be worth house and everything?

Well, after spending a bunch of more money on a law lawyer to fight off wait, she's already hired attorneys. Yes, we've hired attorneys for guardianshipcase that the daughter and son in law brought against my sister. Wait, so the daughter and son in law wanted to get guardianship over her. Oh yes, and they did not succeed. They did not succeed the judgement. Okay. The other firm before I forget Abel ab E l Able law firm. So you got Cain. Honest to God, you have Cain and Abel.

You have one Cane law firm. The other one is Able law firm. I don't know if they're brothers, but anyway, then you have Dan Davis Law. I swear to God there's an Able law firm and a Caine law firm and they both specialize in older stuff. So listen, here's the deal. I'm so happy she has someone looking after her that there's nothing worse. We've had cases where homes were stolen, money was stolen, undue influence.

We even have a case from some scumbag that went to a guy's house to do home health care and bought a car from a guy for sixteen hundred that was being sold for sixteen thousand, and she just just robbed him blind. It's a terrible situation. But in any case, the best to you. Let me know what you find. You can always call us back too, and let us know. Please, I'm going to mark this down and just go ahead, man, take care of her and go after these scumbags.

Well, I'm doing the best I can. Problem I have right now is signing a law firm to try to get her house back. I mean right now, the daughter doesn't want her to sell her house. As matter of fact, what did the daughter? Why is the daughter on the house? What excuse did she give to get mom to sign over? It was part of the process. They were trying to get all the mom's money. How much money? Just tell me what does she have? A million dollars?

No, it's more like six seven hundred thousand if she s okay and is able to keep the proceeds of the house if she sells it. The daughter wants half of it right now, is what she says. And for what reason? Why would the daughter be entitled to half? We have no other reason but greed. This sucks, man, So listen, I wanted to ask one other issue, what is that? How she was while my sister was in the nursing home. The daughter put her in a nursing home.

While she was in the nursing home, she went into the house and stole about thirty thousand dollars worth of jewelry and won't give that back either. God Almighty, there's a special place in hell for her. I'm telling you, you know, you know I have said exactly the same thing, Tom, and it's just terrible. And I mean, they put my sister on there so much stress from May thirty first last year until the case well through court.

I'm hoping. Okay, you're listen. I want you guy, when when if your son or excuse me, your nephew can call back, her son call me. We'd like to talk to him too. We can help. He can, he can take matter. He has more of standing than anyone to refute that. I want to talk to Hey, Kachina, do me a favor. Clem hang on, I gotta take it break. We have a power of you. Wait, you have power of attorney right now? Yes, for my sister. Okay, So is the daughter out of

it right now? Out of everything? The daughter's out of it other than she's got a title on the okay, from the title of the right. I want to talk to Dan Mackenzie or Kielan Park so Kachina. Keep Clem on and see if we can get one of those on for a minute, because I know they must they must have come across something like this. I got to take this break. I'm Tom Martino. Three oh three seven one three a two five five. Hi Tom Martino here three o three seven one

three talk three oh three seven one three eight two five five. Welcome to the show. Let's continue here and help you any way we can. And I have ideal home loans with us too. If you have any home loan questions at all. We are getting someone on to answer for Clem about his

sister. You know, this is a very common problem people elder abuse or people being taken advantage of who are older when it comes to home loans and getting the proceeds or even reverse loans and getting the proceeds or getting people to quit blame their home to them or anything like this. It's become very very insidious, and unfortunately with the older people, it's usually someone who knows them, like their own kids taking advantage of their parents. It's really sad.

Three three seven one three a two five five or three oh three Martino three three, six, two, seven, eight, four sixty six. I want to get on Kiel and Park to talk about this if we can. And I also want to mention that when it comes to wills and probate and stuff like that, there needs to be a provision as to who takes over

for incompetence. So all of you listening, if you have older relatives or if you're older yourself, put a provision in your retirement plan or excuse me, in your estate plan as to who should take over and take care of your affairs. Brent Ivenson ideal home loans. Are people doing arms anymore? You know, we're not seeing many of them. The reason primarily that's adjustable rate mortgagees. For those listening, they're priced very close to your thirty year

fixed rates right now, so there's not a huge advantage for arms. And part of the reason is that, look, with this jump and higher rates, everybody's anticipating at some point in the future, and we don't know when that will be, that rates are going to go lower. So those ARM prices aren't priced nearly as well because they know they're ultimately going to refinance off to a lower rate. So that's part of what we have going on in

the mortgage backed securities market. That's part of what we're seeing with you know, the market as a whole, is that things aren't priced as competitively as they normally would be because they know that these things are going to go down later at some point in time. Okay, So as far as people, we talk to a guy the other day two point seventy five percent. I mean, that's really hard to get out of, but he needed some extra

cash. So let's talk about helocks. We we do them. It's a great option, it is, you know, we'll look at the whole picture, and I will tell you in some instances because look, you your helock rates are you know, can be anywhere from nine and a half to eleven and a half percent, just depending on you know, loan to value, how much you need, what your credit score is, all those things. But ultimately we will look at every aspect. If a helock makes sense,

that's the route we're going to take. If it makes sense to give up that ultra low rate on your current mortgage because we have so much debt we're paying off, and when we look at a blended rate and how much we can save you and applying some of that savings back towards the new loan is going to get you a lower effective rate that maybe is somewhere in the fours. Then we'll tell you to do that. We're going to look at all the options. And again, the great thing about what we do, the

math tells the whole story. Either it makes sense or it doesn't. There's no fudging the math. It either saves you money or it doesn't save you money. And we'll look at every option to make sure we're putting you in the best possible situation. And when it comes to mortgages in general, you know, like when people we always talk about levels of responsibility and I don't really I've never actually explored this legally. I know that there's a big thing.

When it comes to investing. You have a fiduciary responsibility to your client. Some people have what's called the best interest responsibility. It's not quite as high as fiduciary, but you have to look for their best interest. And then with mortgage people, there was something called suitability. Do they enforce something like that and explain what that is? So what happened when licensing all changed

several years ago after the mortgage meltdown. So we now have an obligation to make sure that we are putting somebody in a mortgage that they can afford and they can pay. OK, we got more coming right up. We'll talk about that and more. Hi, Tom Martine, you are trumbleshooter three all three seven to one three talk three old three eighth seven one three eight two five five. So on my Google voice texting, which is private straight to me, you can also do five seven seven three nine as well. That

one is not. I mean, that's what iHeart uses. And you put Tom there and it comes to me like it says here, Tom Bs. Was that case you had of people buying that car off of an old man for sixteen hundred? I hope you got it sorted that out. You know, we're working on that that that's a really bad situation. And I gotta tell you, man, it sucks how that woman came in from this healthcare place and took advantage of that man. She he was selling it for sixteen

grand. She called her dad. Her dad came at sixteen hundred and counted it out to him and took the car, had him sign it over, and then he called us and said he was confused, but he clearly had it for sale for sixteen thousand or something like that. But the bottom line was they just ripped him off. They just ripped him off. There are so many cases we have like that of old of elder abuse. Now my parents have a significant amount of gold coins. I need to get them converted

to spendable money without being ripped off. That's one of my texts. We're going to get someone on about that. Tom. Let's see we already talked about that one loan. Let's see what else. I've been a longtime listener who recommend your show, Please recommend a trusted source to talk over health insurance. We're going to talk about that coming up too, because there are a lot of people asking about that now. Three o three seven one three eight

two five five. Stick around for any useful information you need. You can always call us as well. Three oh three Martino, Yeah, ripped of mad news. You need advice so you don't have the come running just as fast as we can show. Shooter's gonna help come man, This is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to the show. Three all three seven one three talk seven one, three, eight, two five five Welcome, How is life in your lane? What

can we do to help you? This hour brought to you by Waterpros dot net. As I said, the best water and I got it right here if you're looking on YouTube. I got the best water ever out of my kitchen sink with water Pros for just fourteen hundred bucks fully installed three all three, eight six, two, five, five five four. Now my guests, say Brent from the owner of Ideal Home Loans. I've known for many, many years, and we were talking loans, and we'll get back to

that in a minute. I want to take Michael though, and if you call people, give me calls. I also have a bunch of questions on my Google Voice that I'm letting people text me. It's not that I don't like the station's text. I mean you can text me there and that's five seven, seven three nine put tom in the in the code, or you can go to my Google Voice number, which comes directly to me all day. And the reason I say that is truly I have no problem having access

for people. Because people need help, they have questions, you can text me and I checked this throughout the day and get you on the show if I need to. And the Google voice number is seven four seven fifty two eighty seven four seven nine nine nine fifty two eighty Okay. Now, by the way, I have a lot of questions I want to get to there, but I need a couple of people to answer these questions. I need

Integer Insurance for one. I also need Mark mcchowski at Budget A one and transmission repair and there's a reason for that, so I want to get him on. Michael. What's going on with you? Hello, Michael, Hi Tom? What's going on recently? Well? I got a recent encounter with this Brink security company. What happened? Well, for years we've been using a DT and they've been all right, but we've got a phone call from someone. They I don't recall them identifying themselves at the time as Brinks,

but that's who they turned out to be. And what did you use them for? What did you use them for? It's a security some equipment and monitoring, Like give me the oh oh ok for Brinks? So you recent so you got an alarm? Like is it for home or business? It's for a home. So you got a home security system from Brinks? Yeah? Okay, so what's the problem. Well, we had some issues with it. It basically locked up if the alarm would not turn off, so

we had to disconnect the equipment. And how long did it take to for a problem to show up? Oh? Probably? Well we got it in November, so that's what nine months or so? Okay, Okay, so it's not a big deal. So it malfunctioned and then what happened then, well we were waiting on to repair. They can't get somebody here to figure out what's wrong with it now until July the night. Yeah, and I

did contact them. They said they they could probably give me some kind of credit once they get it repair because I didn't have service at this point. Okay, However, all this has decreased the confidence of my wife, particularly in the system, so she wants to go back to ADP. Yeah, however, ad ADT is not great, but go ahead. Okay. Well we've been using them for years, but I kind of agree with you.

Okay, they keep raising prices and set whatever. But anyway, I pulled the contract out and come to find the help that we had signed a consumer note or twenty four hundred dollars to this company called sun Nova. But let me ask you something. What's the twenty four hundred for for the equipment? For the equipment and they're charging forty dollars a month on the loan for five years. Okay, but hold on, hold on? What about the monitoring?

What do you pay for that? The monitoring is another forty five? I say, well, okay, that's not terrible. So right now, though you're paying for the system itself, plus you're paying for the monitoring, what does the cancelation provision? Say? Well, that's a good question. Do you think that should be in the contract somewhere? Of course it is, I guarantee it is. Okay, so here's what I want to know. There's going to be a cancelation provision, but the equipment is may not

be you. You see, it depends on what equipment it is. If they use universal type equipment, then anyone can take that over and be your monitoring service and your company. And there's only one security company I really recommend in the Colorado area because the security company suck. ADT absolutely sucks. I don't know about Brings, to be honest with you, We've never had a lot of com pints about Brinks, but home security systems. Most of these

national companies suck. They're really not said, it's not the kind of thing that should be done nationally. But ADT absolutely sucks. Okay, they absolutely suck, and don't go back to them now, Brinks, I'm not sure what's going on here, but I wouldn't let one problem like this after nine

months dissuade me from the entire company for the rest of your lives. Okay, I think you're overreacting, but if you want to get out of the contract, I'm for sure certain you're gonna have to pay for the equipment, but I'm not sure what you committed to monitoring. Yeah, well, what was your original inquiry about? Tell me what were you wondering about. I'll answer to the best of my ability. Well, I guess as a worst case scenario. They I guess best case would really be their shake to the

equipment. But my wife still doesn't like it for whatever reason, lack confidence in it. Well, lack of confidence for what reason? You had a problem nine months later? Big freaking deal. I mean, you know, it could be a power spike, it could have nothing to do with them. I'm not trying to convince you to keep them. I'm not trying to to. Yeah, all I'm saying is this, if you really want to make that so you don't have any problems like that. Again, get a

power supply like you would for a computer. That's really what you should have. With a battery back up, that's what you should have. You won't have any more problems. In fact, have you tried rebooting the whole damn thing? Oh? Yeah, many times, but it still comes right back to that alarm. When you when you rebooted, did you disconnect the battery? Yeah? Okay, so you know how to pull the wire off good, and then you turned it off, and when you boot it back up,

it gets another It has an error code. It's not exactly an er code, but it brings the alarm right back in and you know, brings the bell. Oh so you mean it's going off like or going on like somebody is breaking in right right? Okay, something something happened. But here's the thing, man, You're dictated by a contract and one problem in nine months is not breach of contract. So you're not going to get out of

it unless you go by the termination provisions of that contract. Okay, you're not going to make the argument that they breach the contract, and you don't. I mean, well, actually I should amend that if they take too long to fix this damn thing, it will be a breach of contract. So you know, I don't you know, I don't like the idea that it's taking them this long. Why do they say it's going to take this long. Apparently it's an issue with getting the dispatch out here, getting someone

to hear here. Come, man, can't you know that kind of thing today? Do you want us to give him a call for you? Well, if you would do that, I know, it's kind of a minor issue. No, it's not other things to handle. No, it's not. What neighborhood are you in? Give me your exact I'm just kidding. I want to know where you're I want to know where the alarm is broken. Anyway, I'm just kidding about that. But in general, what neighborhood

is it? In general is a local suburb to exact? You know what I mean is do you have a lot of break ins in that area? Hmmm? I would say no. Recently, we've had a lot of people knocking on the door selling roofs and what have you said? Yeah, don't ever, Hey, don't buy a roof at the door. Okay. The only thing you should buy at the door of girl Scout cookies. Otherwise nothing, all right? Man? So hold on, I want to give this who did we give the other one to? Uh, let's see bo.

Then let's give this a deputy dollars there, right, hold on, Michael, and we'll have a deputy dollar. Give a call over there, see what we can find out. Three oh three seven to one three talks seven one three eight two five five. Hi, Tom Martino, your troubleshooter three oh three seven one three talks seven one three eight two five to five. By the way, let's get to these phones. We have Anthony as a

question on home security. We just had a complain about brains. Now, we don't get a lot of complaints, but we do get complaints about home security in general. And I want to give you some general tips on home security that are thinking are very important. But first I'm going to take your call and see what you want, Anthony. Go ahead, Yeah, I want video security, but I don't want to pay up a subscription. Do you have a a h troubleshooter? Remember that does wiring camera install hard drive

connected to the internet, the whole kick cat and kaboodle. Yeah, so you want to do a closed circuit TV system just for you that you can monitor online, and I don't want to pay a monthly subscription. I get it, man, I get it. It's never really been easier to do. Now, do I have someone specific in mind? No, not right this second. But it shouldn't be difficult because what you're looking for is very easy. It's a low vultage. In fact, what you really want to

do? Okay, Anthony, what it really amounts to? You don't need a server? Okay you don't. Oh, hold on, yes you do if you don't want to pay monthly. But let me explain something. If you did some well placed rings or r lows and they all fed to them, you can for one subscription price of just like it's not much, you can monitor all of them from anywhere at any time. But that to you, you'd rather buy a serve than do that? Pretty much? Yeah,

why is that? I'm just curious the subscription right now? Go ahead, I avoid I read an article recently that subscriptions are the best way to spend yourself into you know nothing, nus. I just try to avoid. Well, I know what you mean. Everybody has a subscription. You're absolutely right. There are people paying. They don't. They forgot they're paying. Yeah, and they add up. I mean they do. And I respect you for that, bro, I do. However, you don't sound like the

type that's going to let that happen. Okay, let's talk about money. If you get a server, your server's got to be on your Wi Fi, and then you have to be able to get into that server. How do you plan on doing that? Well, that's why I'm calling. Okay. Well, what I'm saying to you is this, You're going to have to maintain that serve. Do you have broadband at your house? Yes? Okay, so you're paying for your broadband. Here's the danger of having an

IP that you tap into on your server at home. It can be hacked. It's a very terrible situation. There is almost no home security that you can do that can ward off attacks unless you buy security software, which is going to be a subscription. I hate to give you bad news, but Anthony, it sounds good and it is good. You know, Mark and I used to do this. We used to have our own servers and our own stuff that we would tap into. Okay, and he had his,

I had mine. And here's the deal. It sounds good, right, But you're constantly on the internet, and nowadays there are about one hundred thousand more attacks being done than there were when we had it. And you have to have such sophicial sticated software and it has to be upgraded so much. You're not going to buy this. You're not going to get this software free.

So even though you have broadband right now, and you may have a server that you put online constantly, you are going to be subject to attacks. You see, my computers don't stay online. My computers go online when I get on my computer and go online. Otherwise they're not online. I have nothing that is online all the time except my ring doorbell, which is through Ring and these guys they make it, you know, they pay for all of that. I pay and allows me nine bucks a month or whatever

the hell I pay, and I'm done. Now. If you had one ring or six rings, you're only going to pay the one subscription fee and then you get to tap into whichever camera you want to look at. I just it's not that I don't know people are we can't find people to do it, but I don't think you're going to get what you're looking for. And there's nothing wrong with a subscription if it is of value, and you

don't just keep having them pile on top of each other. You are correct, people don't keep track of their subscriptions, and you're right they it is terrible. I'll bet you people are paying so much they don't even know about, but you're not. So just have a I have a sheet, a Google sheet that I keep on my Google Drive of everything that I'm paying for monthly and what subscriptions I need or don't need. But that's what you need to do, and truly you will. You will not find a better system

than these on That's what they're made for. And they're not being hacked into. Okay they're not not. If you go through the official companies, they spend hundreds of thousands of dollars for Internet security. Now I know there are people saying, well, how do you know the people right there aren't doing it? You know, first of all, they have millions of subscribers, and I doubt they would bother doing that. But what I recommend is you

find a good closed circuit. Excuse me, a good Wi Fi cam that you can put into your a good Wi Fi cam that you can put into your Wi Fi at home. Now, there are ways, by the way to have Like rlow doesn't have any subscriptions, you can make those into your home and then tap into it. But it's insecure once you do that. If you go through a subscription service, they take care of all the security. That's the only thing I'm saying, how do you sell rlow A r

l O rlow? Now? There are many more systems out there, but Arlow's good and ring is good. They're proven. But there are others, and in fact, I believe Google might have its own system. All of these places have systems. What you really want to worry about more than the system is the interface. That's really what you don't want is your own server. I mean, right, I understand it's just too much to keep up my home to my home computer. You want to hook it to your home

computer. No, no, you're saying, do not use That's right. You do not want your home computer or even a server on the internet. All the time, someone will get into it. They will get into it. And I'm telling you for the money it takes for you to make your home secure. It's easier that you it's easier that you get a subscription and cheaper because you have to keep up on that all the time to keep it secure. Being online twenty four to seven nowadays is the most insecure thing you

can do. And the only thing that we have that's on the air all the time for most of us, I hope, is our phone most of the time. Our computers. We go offline when we get offline and stay off line. Now, you might be at your home WiFi, but you're not to the outside world. So in any case, I'm sure there are people that are going to have suggestions. My YouTube morons probably will, and also other people. I'll pass them on to you because people are now texting

me. But it's really important, as I said, And by the way, that is a pretty cool I log into my cameras all the time and it's they're really good systems. I have both r Low and Ring at different houses, so it's it's worth having three h three. Oh, by the way, Wayne's got a comment, Wayne, quickly, what do you want to say to Anthony? He's listening. What do you got Wayne? Hey? Tom? How are you doing? How are you doing, Anthony good

Man, what's happening? Hey? Quick comment. I've been installing cameras for about forty years. And the big thing on cameras right now, especially in residential properties, he is number one is like you said, definitely do a closed loop system. But also UH cameras like Lorex and r Low and everybody else that you can buy off the shelf. Make sure that they are n DA or THAA approved. That prevents some hacking software that some companies are putting

in. UH China's putting in and stuff like that. But we do them for the government and the military, and I do a lot for residentials. And it's really important that way because if we put we put in an MVR instead of uh uh. It's a network video recorder. And I just got back from Tokyo and I live in a ror and I was able to log into my cameras and sit there and view them and I don't have Okay, hold on, Wayne, So you're saying that without a subscription, you're doing

this from your home, right Yeah? Absolutely, Okay, So tell him what you have. Basically, it's an MVR with a network card in it that is all password protected. You plug it into your router, uh, whatever your vendor is, you know, whether Comcast entering only Curtingman house. And then when you log into it, you are actually logging in with your past word and past code or administrative word and pass code and connecting to it. And then when you log out, it takes it off of the network.

And it's pretty oh really, holy crap. That's a good Wayne. Do you mind giving now? Do you have your own company? Yes? Do you mind giving it out now? Be ready for calls? Yeah? Absolutely. It is Elite security and they can reach me at seven to two zero three two five zero four eight two. Yeah. And I always tell people go ahead shirt people you know we I'm sorry, no either one of

you were saying something. I'll give the number again. Okay. And by the way, Wayne, you ought to talk to us about the referral list. I'm serious. We look for good people all the time. And yeah, and I'm serious man, Yeah about Burger alarm systems too, because those have all changed. But yeah, I mean the big thing we don't We're not a cheap and I don't want to say cheap, I want to say inexpensive vendor. Our systems have a ten year warranty on them. They're all

low light cameras our Burger systems. Wayne, as long as you do a good, honest service, cheap is not a requirement of mine. Okay. Honesty and honesty and integrity and good quality. Now, people who charge money just because they're proud of themselves, that that crap. I don't want. You know, there are people that that, you know what I'm saying, They just charge out the nose. If you have good quality equipment and you work on reasonable margins and integrity, that's what counts. I'll give you that

number, Anthony. You ready for it? Yes, Now, I want everyone to know. I don't know Wayne, but he called in. He sounds pretty good. It's Elite Security. I gave you the disclaimer. I don't know, but he sounds like he knows what he's talking about. Elite Security seven to zero three two five zero four eight two. What I might do is have Mark call you though. Wayne. I'm serious. We can use good people and I'm not trying to do a sales job on you.

It. It's the best value there is in advertising anywhere. It's very it's very inexpensive, Anthony. Thanks for calling, Wayne, Thanks for calling I got to take this break, and then Joe's got a comment on home security coming up. Hi Tom Martino here three three seven one three talks seven one three eight two five five. So Brent Ivenson Ideal Home Loans is going to skid out on in a minute here, And I wanted to mention you you have a special affiliate program. You wanted to let him know about it.

They call you, tell me about that. Yeah. So what we've got is we have a preferred network of agents that we've worked with and accumulated over the years. Being in the mortgage side, they're in real estate side, and what they're willing to do is help out with lowering fees. Either when you're selling your home and buying another, they'll reduce their listing fee on the home that you're selling to get you more cash out of that property to take

onto the next property. To buy down the rate. Yeah, you can buy down the rate. You can use it towards closing costs or on the buying side. If you're some let's say you're a first time buyer, they're willing to work with you and contribute part of their commission towards buying down your interest rate. On the buying side of things, so that you can qualify for more home for a lower monthly payment and increase that buying power in the

marketplace. Ideal Home Loans dot Com threeh three eight six seven seven thousand now prent real quick. When you say buy down a rate, can you give me an example, like, what's the what is the rate today? Today? We're at seven and eighth on a thirty year fixed rate. So seven and an eighth on a thirty year fixed rate. So what does it take

to buy that down? How much would it if you if you wanted to buy it down, Let's say a quarter of a percenter, and this is a permanent buydown, not a two to one buy down, it would be it would be a total of a point would get you another quarter better in interest rate. So if your house is whatever, it's one percent of that. Yeah. So whatever you're buying, whatever the loan, whatever the loan

is, that's right. So yeah. So let's say you're borrowing five hundred thousand dollars and you want to look at hey, six point eight seven five percent makes a material difference for me. Then you could put a point towards that, which would be five thousand dollars to buy that down to six point eight seventy five percent. And you may think, well, I'd rather make it monthly. But here's the thing. It helps you qualify. That's the

point. Yeah, absolutely allows you to qualify for more for less. Makes you a little more competitive out there. Again, we're also doing two one buydowns right now as well, and we're looking at that as well for our clients because what ends up happening. Let's say that you don't stay in that buydown for the full term of the buydown, Well, when you refinance out of that buydown, think of it as that money goes into an ESCRO account

of sorts. Yeah, that's buying that rate down and subsidizing it for you every month. Let's say you don't use the full two years of it. When you refinance and pay that loan off, the remainder of that buydown fund, we'll go towards reducing the principal payoff when you're refinanced. So now, on a buydown, is the buydown temporary or as long as you stay in

your house? It depends? It depends. There's both options. Some of them are temporary, like a two to one buy down, is temporary in a permanent buydown, which we can look at too, is for the entire life of your loan. Okay. And by the way, I think rates will be coming down anyway, you won't have to worry about it. But they do what's called a an interest rate guarantee anyway, So that's really something you want to keep in mind. Thank you, Brent, appreciate it,

you bet. Okay, Now we have some comments. I have Mark mcchosky, I want to take in a minute here, but I got to take this guy. Was Joe's been waiting on a home security Go ahead, Joe. Yeah. Tom. There's a company I went to and installed it myself, and it's a pretty unique system. It's a plug and play in VR and they have their own security and what have you. It's called CTV Security Pros. And where'd you find it. I found them on doing some research

about four or five years ago. They're out of New Jersey and these guys are ex retired military security and there's no there's no monthly subscription, that is correct. They do their own security updates. You buy the whole system in VR and the cameras and they do everything else. You can hook it up to your phone. It's pretty neat. I can check my cameras anytime of the day or night. They're very good four K and up to eight megapixels. You can get zoom, you can get them to read license plates and

one time. If you buy it, you're done. You don't pay any more fees to participate and they do their up. Do you recall what a costume? Do you recall what a cost Yeah it did? It cost me over two thousand and well three cameras in an MVR give the name against her dc TV, but they're called security pros and I do have their phone number. Go ahead eight eight eight six five three two two eight eight and they'll help you set it up. These are a pretty complex system like UPS seventy

eleven. There's a lot of government agencies that use the same thing, but it's a plug and play unit and they're very high tech. Uh, they can't be hacked into or they can jam. Some of these ones that you go airless with. They can. If they're going to rob an area, they'll go through the neighborhood, jam everything else, steal it leaves and then your cameras will come back on. Well, these are all hardwired and plug and play. They don't do that. All right, thank you, Joe.

I got to take this break. I'm Tom Martino more coming up. Hi, Tom Martino here three zero three seven to one to three talk seven one three A two five five. Don't forget ideal home loans dot com. And how long does it take to close, Brenton? We can get in your loan clothing as little as two weeks. And what's written in the guarantee. So the way our interest rate guarantee works is that or you're talking about

closing guarantee anything either. So our closing guarantee, we will underwrite, preapprove your loan upfront, will guarantee that we close in two weeks. Jeez, can't beat that. Yeah, it helps when you're out making an offer on a competitive environment. And then our interest rate guarantee. If rates go down, we'll refinance your loan to lower interest rate with no lender fees. Yeah, and that's a two year guarantee. That's a long time. Three oh

three, eight six, seven, seven thousand. By the way, Mark mcchowski, Hey, Mark, I haven't talked to you in a long time. Brother. Hi, Hey, hello, Tom, how are you Are you doing good where I'm at? Do you know where I'm at? Where my son was granted a scholarship to GIA out here in California. Yeah, and they had granted me a full tour of this place. So I've been holding on the radio because my son is ang. Sorry, man eat his whole tour. I'm so so yes doing budget a one transmission auto repair.

But you also do gold and silver right? And coins? I am a professional new mismatist, Tom. I'm also a professional coin and currency grater. Okay, bullion everything, But can you help people sell it? Sure? Okay? Because I just got a text and it's from someone who says their parents have a lot of they have a lot of gold coins or yeah, I think they or they said coins and they want someone honest, and I didn't know if you were still doing it, so I will give them your

information. Thank you, okay. And I've been doing it for thirty five years okay, And you know, I really do appreciate you taking care of people. So I want you to remember when they call, he will be calling you about his parents. And I guess a lot of people have coin collections as they get older, And is it hard to get them converted. No, not at all. You know, there's two different ways we can

do that. I can either purchase them outright or and if these are coins that have a high numismatic value, you know, sometimes and I've done many of these through the years, has done it on a consignment where the coupcain gets more money, you know, Thank you, Mark, I appreciate it, by the way, Thank you very much. And you can always reach him in his place out it's the three oh three seven eight to one ninety eight fifty eight. Three oh three seven eight one ninety eight fifty eight.

And don't forget Ideal Home Loans dot Com three oh three eight six seven seven thousand. Usha, what's going on with your parking lot? Usha? You had a car accident. No, it's a very small thing, but I want to know the principle of what happens with your health. I turned into my parking lot, which I normally do spark in the same place as a rule, because it takes a new turn. The doctor who was standing right there was waving at me saying hello. At the same time I was parking

maybe one mile an hour. That's slow. She could have stopped my car touched my car, or said anything, but nothing happened. I scratched a little rubber off the car, just a little rubber. Yes, but my steak farm says, oh, you hit a push But I said, I didn't hit the Porsche. The owner was standing right there. She didn't stop me. Well, are they trying to get a lot of money from you? Yes, they're trying to get I sent you the email right now,

he says. It's close to four thousand because they want to open up the whole thing to see how badly. I want to see the email and we'll call you right back, or you can hang on now I know. Is this doctor Usha Warma? Yes? I know, but I didn't want to give your last name unless you wanted to. But doctor, I've known you for years. Hold on, we'll look at this. Uh, we'll look at the email and we'll either call you back or you can hold Thank you

very much. I'm Tom Martinez. We have more coming up on the Troubleshooter Show. Three O three seven one three talks seven to one three eight, two five five. Don't forget. You can call three oh three Martino anytime, day or night. If you're on the line. Hang on, We'll be right back. Yeah, ripped up bad news. You need advice, so you don't have come running. Just as fast as we can. Show Shooter's gonna help come man, This is the Troubleshooter Show. Now, Tom

Martino, Hi, Tom Martino here, Welcome to the show. Three O three seven one three talk three oh three seven one three eight two five five. Well, we are here to help you, and all you have to do is call us at three oh three seven one three talk three oh three seven one three eight two five five. Welcome to the show. Now. Life is complicated, folks, and things happen each and every day, so I want to get right to you. One of the problems we have.

Usha called and had a parking lot incident, and I feel for her, She says, My god, Tom, I was going one mile an hour. I pull into a parking lot. I had a Porsche Cayenne or shot Yeah, that's what I think they're called. And it's an SUV. And I looked at the repair estimate and Usha first and foremost, I want to tell you something. I had a tiny scratch on my BMW, A tiny, tiny, tiny scratch. Someone scuffed me and left, so Unfortunately, I had to do it myself, and I thought, I'm not going to

put it through insurance, I'll just direct pay. And I went to a body shop and it was three thousand dollars and I thought it was going to be be five or six hundred dollars and this is not. I just want you to know something, Usha. I'm not giving you my opinion right now. I'm telling you what's going on in the world of body shops. You are going to pay every bit of four thousand dollars for that Porsche Cayenne damage. I know it does. She was there though she distracted me. You

know, the fact remains. Okay. Now if you're saying, if you're saying you're not at fault, that's a whole different ballgame. Now, I understand see that she was standing there. She didn't stop me, and I have poked in that space a thousand times. Now, when you did part there and hit the car, what did she say to you? Nothing? She walked off, She didn't do an exchange insurance information. I had to call over within a couple of hours. Did she know you hit her car?

Oh? Yeah, she was standing right there and she well, did she say hey? Ushi, you owe me money? Or you hit my car? Or did she say nothing? She took a picture of her car and walked out, and oh, okay, my car in a different place. Then I went there and I took a picture of my own the same. Now now, now, Busha, Busha. Let let's just I just want some scenarios, like let's say, let's say it was it was you know, you did hit them, and yes, Here's what I want to

know. Are you dispute You're not disputing liability, you're disputing the cost. Because what they're saying is it's like I banged the car so bad that they have to open the whole thing out there. But she's the proof that I did not do that. I didn't bang the car. I just touched her card. But what difference? Here's what I want to know, though, What difference does it make what you did? If the damage is the damage?

That's what I don't understand, Like, for example, whether whether we disagree on the amount, you do agree you did the damage right and I got distracted. I done it a thousand times. Yeah, But what does that mean? Usha? I'm trying to figure out what that means. Does it mean? Why stop? Why does she not stop and touch my thought and say stop? That's usha, Usha, I'm not listen. We have to take one thing at a time. Okay, First, let's take the

fault. Let's not talk about damage. Are you saying it's partly her fault? Yes? Okay, that's different. Now the cost of the matter, unfortunately, is not going to be debatable. Okay, it is what it is. Now, what you're saying is I shouldn't have to pay all of it because it was partly her fault. Is that what you're saying? Okay? Now I'm saying, does she agree it was partly her fault? No? I asked my steak farm to give me what she said to them.

She's not said anything to me. She's not talked to me nothing. We didn't even exchange information on what is your deductible? How much is your deductible? Thousand? Which is that's fine. The problem is seems to take ownership of a little bit. What but if you pay but no matter what, whether your insurance pays half of it or all of it, you only have to pay one thousand dollars. That's right, and I don't mind that.

So the part you're worried about is that she's not taking responsibility. Yes, okay, let me tell you, and I'm going to clear this up for you. When it comes to an insurance claim. Since you already called your insurance company, it's up to them how they want to handle it. All you have to do is submit the claim, tell them what you think, and pay your deductible. It's up to them whether they want to pay the three grand or if they're going to fight her for what's called comparative negligent.

What you're describing is what is called comparative negligence. Now, I want to explain something to you. There usually is not comparative negligence when one car is standing still, usually not. You have a very unusual situation where you're saying, she saw me moving toward my car and toward her car and did nothing to stop me. Well, it could be. It could be she didn't realize you were going to scuff the car. It was so close. Maybe

she didn't realize it. But but why do you care if your insurance is

going to pay two or three What do you care? Because the way she acted towards me and the rudeness that came afterwards, Okay, why don't you come and tell the truth to your company what really happened, rather than making it look like I banged your car so bad, which and they want to remove all the stuff and the t But by the way, her value of a car will go down when she makes them do that, because somebody who's going to buy that car will go to car Facts and say, oh,

this car has been in a big problem. That's my not my problem. But don't ever mention that to her. Okay, got it. I'm going to tell you why, because there's something called diminished value, and I don't think, by the way, this is going to have diminished value. But here's what I would do, usha, I would leave it to my insurance company. I truly would. Okay, I would leave it to them because they're the ones that make a decision. It's out of your hands once you

put in the claim. Had you not put in the claim, you could have and you were paying it directly, you could have argued with her what you're going to pay, and you could have just given her half and said sorry, I'm not paying the other half and then fight it out. But once you put it in with your insurance, according to your policy. You are the one required to do what they decide. So if they decide pay it all and you pay your deductible, you have no say about it.

That's that's just the way it is. So I understand now you weren't disputing so much. What you were saying is she should have taken responsibility. I don't think technically she needed to, though, because her car was standing still and you were expecting her to see what you were doing and stop you and know that it was gonna hit. I think that's too much to ask. Three oh three seven one three talk seven one three eight two five five Now hold on, I want to talk to uh. Who's next here? Israel

Israel? Go ahead, what's going on? I've been in a collegecident. I'm sorry, I'm Israel Israel. I don't know what's going on. What's going on? Both of all, I want thank you forever. If you do for the people, you know, you're really an angel. Well, thank you. I free shit. That is what's going on. I've been following your show for a lot of times. Last time you call it,

I wasn't going known. I still think, first of all, I want to compliment the Realtel Frank Ran the really said, man, what a wonderful man. Yes, huh, you bought a house. Yeah, I bought a house from him, and I'm going to sell a house with him because of you. Okay, that's one thing. A second thing about I did something that I shouldn't have done. I may years old than be in July. Uh huh. And I decided I'm going to have classic surgery. So

I did classic surgery with that intelligent and I almost died. I had the physical before the plastic surgery, you know, with my with my doctor, and everything came good. But he went in too deep. I asked him not to go. What kind of plastic surgery was in Israel? What kind of class six surgery on my face and my neck? And what was it for? What was it that he went Was it a face lift? Yeah, facelifts? And okay, and you said he went too deep? You

said he went too deep it did. What happened was he could end up in intensive scale for about a week and they called me names there, you know, not the doctor, but the staff called me a Jew and the kite. What wait a minute, wait a minute, they call they were calling you ethnic names, Yes, sir, are you sure that what what I'm I'm not lying, I'm not lying. I'm a hundred percent sure. But what's helping me? What's helping me? I almost died now, I

was bleeding, you know, pneumonia. I didn't stop walking. So are you blaming this Israel? Are you blaming the doctor for malpractice? I don't know. I don't know what to do with you and Assal, you know, I don't know because the como, the stuff, you know, I got so sick and tired, and I asked him to let me go home, and they did you did you get in it? Let me ask you this Israel. Let's talk one thing at a time. First, the plastic

surgery itself. Did the plastic surgery go okay? Or are you claiming the doctor did something wrong. I'm claiming that the doct over did okay? Do you go? Man? You should have let me sit down and talk to me a little bit more about it. So, you know, almost died. And as I went to my my dazel yesterday an appointment and they said, you lucky, you're not dead. Okay, hold on right now, Israel, come Israel, hold on, and I'm going to come back to you. Okay, hang on for a second. I got to take this

break. Hi, Tom Martino here three oh three seven one three talks seven one three eight two five five. Yeah, listen, Israel's talking about plastic surgery, and I'm telling you it's not the greatest thing in the world when this is something like this happens Israel. I'm gonna I want to tell you a few things, and I'm hoping you understand. I know you'll understand malpractice.

Malpractice is a very very, very long and grueling process to go through, even when you're right, even when you're one hunt undred percent right. And here's the I want to tell you something else. The older you are, the more difficult it is, because I'm going to tell you why, Because they assume that you're not going to heal and respond like a younger person. Now, whether or not this doctor should have turned it down or should

have done something differently, that's a whole different story. You need, though, to talk to someone to see. But I'm telling you, unless how are you doing right now? Let me ask you that, how are you doing that? But you don't have any permanent injury. You don't have any permanent injury right us now? How does it look? Hello, blue dopad? But it little better than a log. Yes. Now, the other thing that it's a separate issue from the hospital treatment. The hospital treatment concerns

me. But here's my own humble opinion. It's not a legal opinion. If you were my dad, if you're my brother, I'm going to tell you Israel, don't take the time and energy at ninety two years old to pursue a malpractice. Two, I'm not ninety two. I'm d oh. I thought you said no. I'm sorry. I thought you said ninety two.

I'm sorry. No, I'm sorry. Okay. I would not at eighty take the time and energy it would take for a malpractice because you don't have permanent injury, and I don't think it'll be worth your time and money, and it'll be too depressing. That's what I'm saying. Okay, however, unless you're permanently scarred and have permanent damage. But listen to this. I don't like what you're telling me about the hospital. Are you really serious that they were calling you names and mean to you. It's a Martino I

made years old. I will not lie to you. There's no way in hell I will lie to you. You know my doctor? They did they come right out in the did they come right out and call it to your faith? I tell you, I tell you exactly what happened, mister Martina. I want that hospital, and I couldn't help the abuse. Besides, was very sick. My kidney fell and I had pneumonia. I was intensive care and I ran away. What do you mean by I ran away? I told me, cannot hold me against my will? So fine. I

was bleeding all over the place. Doctor was the fine. I cannot so I said it made. They made me sign something and then I signed it and then they let me go. I got somebody picking me up and I left. Then my wife. I was bleeding all over the place, so my wife called nine one one. They came from a house and it took me back. That's what happened when you went back? How did they treat you? Not good? What does that mean? Basically? It's about very

abusive. But they call me names, and she is I don't know. You know, you know my religion, you know Israel? Israel? What I mean, listen, I know there are people that are insensitive, but it's almost hard for me to believe that you're in a hospital and they call you names about being a jew. So so I will not like you. I'll respect your love. I will not do that. What hospital did you? What hospital was this? What hospital? I cannot talk about the guys

now, I cannot tell them because it's a good hospital. It's a great hospital. That's not going with the hospital. I'm not talking about the hospital. I'm talking about the SEF. I'm not talking about the doctors and the big shots. I'm talking about one nose. Okay, there was so busy that let me give you an example. There was so busy that they couldn't handle it. When I came back, they tried to do all blood on my hand, and there was so busy. They got one of the girls

and the phone. She almost walked the needle in my arms. She couldn't get out. She was not the noose. Okay, listen, lem it's Christie. Do you do you want to put a complaint in with the patient advocate at that hospital? Every hospital has a patient's advocate? Yes? Did you ever call them? Doctor? No? I did not. My doctor told me I need to see them for male parctice. But I don't know.

There's no mal forget about suing Israel. Seriously, the way to handle this is to let us call them, or you call them and put in a complaint. Really, the malpractice is means you're permanently injured from some lack of care. You know, these people might have one or two people there, as you say, might have been a jerk to you. That's not malpractice, exactly, exactly right, that's not malpractice. And if you want, did you get the names of the jerks there? No, I cannot.

I don't want to. Well, I I listen, you tell me whatever you want. I'm gonna put you on hold whatever you want. Did he just hang on anyway, Israel? If you want us to call and complain about these people, we will, all right, three oh three seven one three talk three oh three seven one three eight two five five all right. I was giving out my number for people to text me, and I

have a bunch of a bunch of questions. I promise I'll try to get to but right now, Frank, I'm going to come to you right after this about wheelbarings on a jeep Liberty, whatever you guys got. Remember, by the way, tomorrow's car day as well, And we're going to talk a lot of car issues. Then I'm Tom Martino three O three seven to one three eight two five five. Hi Tom Martine Here, John Jones Juniors

with Integra Insurance Group. They do health insurance. John, would there be a reason that you can think of that I'm getting numerous texts right now about health insurance premiums and people wanting to switch. Open enrollment was over at the end of the year. Why do you think I'm getting caught And it can't be. They don't know each other. I'm just getting some texts right now.

Why do you think that's a great question. Premiums are set for the for those under age sixty five, right, Individual family health insurance premiums are set for the year by the Division of Insurance, and so those don't change

during the year. There could be several factors. I mean, I guess technically, you know, Medicaid redetermined as far as income limits change on April first, and maybe something something ah, maybe people are now shopping for Maybe people go ahead and so somebody who was getting a big tax credit because their income is right at that border Medicaid income or that that border increased, and so now they technically and so maybe they lost their tax credits and they're getting

a surgeon. Yeah, my premium, I just lost all my tax credits I'm getting I'm being charged the full premium amount. Now, I guess that could be something. Hold on, hold on, John, I may have to get you back on tomorrow. But I want to ask you this, Are there any bargains out there? I'm hearing from single individuals that say seven hunts more? Is that possible? It all depends on income. It all depends if you qualify for that tashu that sorry, not the tax credit.

And so it depends on income whether or not you qualify for those tax credits. And you can get pretty much your health interns for as low as zero dollars a month. Yeah, but okay, what I guess we're going to get you back because I want to know what the new what the tax credits are, and what the levels are, and maybe advice for people. Some people are saying they were recommended that they get catastrophic coverage. I want to talk about that and more coming up tomorrow. I'm Tom Martino. Stay tuned

for that. We'll try to get him on tomorrow. Don't forget three oh three Martino for help, information and referrals. Three oh three Martino