The Troubleshooter 10-23-24

Yea ripped up.

Dead by so you don't have.

Come running just as fast as the can Shooter's gonna help come, Man Dix.

Is the Troubleshooter Show now, Tom Martine, Hey, hey.

Hey, Tom Martino. Here, My goodness, gracious, I have a studio full of people here, plus deputy Doc back at the flagship. So welcome to the show. Three oh three seven one three talk seven one three eight two five five. If you happen to be streaming the show, we are. I think we're live right now. Yeah, okay, on the YouTube and we have as you can see a bunch of people here and welcome people, Welcome, welcome one and all. Uh, let me explain we got uh, let me turn on

Yeah, for the most part. The bigger master baths can get complicated, especially when we're moving walls.

But yeah, but you might want to call them, but most of them you can give them an idea.

Yeah, we can give them an idea, and often with just a quick conversation or a video, we can get them a number.

Now, people call us at anytime twenty four to seven, three oh three Martino, and we'll get right back to or you can call when we're on the our three o three seven to one to three seven one three eight two five five. And I have other guests with me. I have Deputy D with me. Of course, he's here, and then Deputy Bo, Deputy Bow's here, and then Doc's back at the studio, I believe. So that's good because I couldn't fit one more person here if I had

We're getting a little static. Well, the quick version, as quick as possible. Four years ago, I went to Social Security and applied for the wife's benefits.

Okay, so hold on, so how old are you?

Oh? God, seventy?

Okay, So you went to apply for wives benefits because your husband died.

No, you can get it if you've been married ten years.

Oh that's right. No, that that's right. That's right. If you were married ten years to someone and you're an ex wife, you can get up to the spouse benefit. That's right.

Yeah, I guess that's what it's called. Anyway, I have the equivalent of PARA. Okay, so basically I don't have any of my own Social Security. Okay, it's and I get benefits from PARA and then the Alaska state all right away. Four years ago, I went in and I applied, sat in the little back room and the guy did all the paperwork. And I do not remember if he didn't ask or they didn't have it, I don't know, but they didn't have my pensions from Alaska because I worked up there for a long time.

Now, Now, when you say Alaska, was that the para you're talking about? Or is that in addition.

To para, it's the equivalent of a para of Paris.

Okay, So it's not para, it's just did you work in the Alaskan school system?

Yes?

I did?

Okay anyway, Okay, So anyway, that information did not get into my application four years ago. Okay, there, so.

Where were they? Okay, keep going then, go ahead anyway, So a.

Couple of months ago I get a actual bill from Medicare okay, And then the beginning of this month, I get a note saying that I owe the Social Security folks twenty seven thousand dollars because of they paid me. What's double dipping or something like that. I got paid that little bit of Social Security and my pension from Alaska.

Okay, Well, okay, how much were you getting from Social Security?

Oh? I write a verse four hundred and something at the end five hundred and a little bit over.

You're not and that was about That was about okay. But it is possible to receive But here's the problem. It is possible to receive spousal benefits from Social Security even if you are on PARA not as long as they offset it, it reduced. Hold on, let me explain this. They may I'm reading this now because I just looked up. They may reduce the spousal or survival benefit, but you

I don't know about the forty eight months.

You said four years you've been getting spousal benefits.

Right, yes, yes, okay, you're going.

To what they did. They're going to take your spousal benefits that you've gotten and they're going to reduce it by two thirds of the pair you've gotten for that period exactly. And that's what you're going to owe. And how much do they say you're going to owe?

Twenty six dollars?

Okay, now, here is the bad news I owe and no, no, because why bother lying to you? Right that the bad news is this? And you brought it up so I know what's on your mind. I know what's on your mind, and it should be because everyone thinks this way. You said, I applied for spousal benefits four years ago and they did not pick up on my pension that I had, even though I told them, and now I owe this money.

I look at as they didn't pick up where the guy wasn't doing.

It here, So it was their mistake. They should eat it. Is that what you're saying. It's their mistake, they should eat it. Yes, the government, the irs pensions. No one looks at it. No one looks at it that way. In fact, they look at it just the opposite. What they say is had they caught it, you would have been getting that much less for those many years you've gotten free use of that money. That's how they look at it. So it's just the opposite of what you're

Pay I can do that.

Yes, that's okay. In other words, here's what the general rule. Here's what the general rule usually is in a court of equity, usually, I say, or with electric bills, where you've underpaid electric bills or utility bills. The general rule is, however long it took them to discover it is, how long you get to pay it?

Okay, they don't tell you that, but yeah.

That Well, it's not a law. It's more or less what a Solomon philosophy and what a judge might do if ever it went to court. So what are they proposing that you? How are they proposing you pay it?

I pay it back within thirty days. Oh come on, I can't. No, that's what it says. Yeah, sure, or I can make payments and I can put it on my credit card.

What are the payments are they proposing? If you made them, will they reduce your socials series? Did they take away your spousal benefit completely right now?

Yes? Yes, And the reason was is because that little math problem math situation you're talking about. I'm making more than the two third number or whatever I know. Yeah, any way, and I started getting bills for my Part B. Yeah anyways.

Well, you're always going to have to pay hold on. You will always have to pay for Part B, whether or not. It doesn't matter if you had power or not that you would always You were never billed for Part B.

I was taken out of at first.

Oh I get it, I get it. It was taken out of the Listen. Here's the bottom line. Can you propose to them that you get your benefit as usual, not as usual, the new benefit amount, and then you'll make monthly payments to them instead of taking away all of your spousal benefits, correct the amount the way it should have been for the last four years, and then let you just make separate payments.

I don't know, because actually I would be getting nothings.

Well wait a minute, are your spousal benefits so low that if you subtract two thirds of your pension it's nothing.

The spousal benefits? Yes, correct, okay, literally the max.

Yeah, Debbie, that that means one of two things. I'm serious, You're not going to get it, or you should have been married to a richer man. I don't know what to say. I mean, this is terrible. Yeah, no, Debbie, this is terrible. But there's really no way around it. Okay. I took a long journey to let you know there's no way around it. And let me tell you why. You need to know this, and everyone needs to know this. If the government makes a mistake and you get overpaid,

Yes, that I understand.

So now not only do you have to make payments now, not only do you have to make payments on the twenty six to nine. But you also have to make payments for Part B and on top of that, you lose your spousal benefit.

Yes, correct, so you are.

Truly in the hole. What are you going to do about it? I'm serious, what are you going to do about it?

Oh? The lady at Social Security said, I could play for a waiver and with the form. But wait, wait, wait, wait on man, Uh, there's ways to figure out what my house is paid for. I live off grids, so I don't have any electricity bill. My cars are paid for. I dropped my house insurance because it was extreme. I live mountains.

You wait, wait, you dropped your house insurance because it's paid for? Okay, listen, I know. No. So you have a you have a low standard of living. You're not You're not endearing yourself to people right now though you're not. You're like they're saying, well, okay, you can afford it. Then I got to take a break, Debbie, Debbie, apply for a waiver somehow. I mean, I'm serious. I I don't know what to tell you, man, I just don't know what to tell you. This is terrible. If people

A year ago, Tom, I retired on a ridd in twenty sixteen. I retired from the Boulder Valley School District with a pair of pension. Prior to that, I was receiving Social Security a meager amount under five hundred dollars. I forget to mention to them when I retired that to Social when I retired that I had a pair of pension. So seven years after they began paying me, I got a letter in the mail stating that I

Now, wait a minute, what are you talking about. You didn't pay into it though, if you had para.

No, but I paid into it prior to that, in my life prior.

Oh okay, okay, but you can okay, if you paid, if you paid into both, they simply offset it you still. But but if it turns out that you didn't pay enough, you're right, you don't get it back, You're right?

Yeah, Well I don't my understanding, and I'm not sure whether this is correct or not. Is that not every state has this same rule?

No, they all do. No, No, that's a social security it's a social security rule. Bro, it's not. It's not a state rule. Okay, it's a social security rule. You don't double dip if you have see and it really isn't so much about double dippy. Well it is, But the main principle here is that you for the time you had PARA, you did at the time you're paying into PARA, you were not paying into Social Security. Now, the way I think is your work is not like that. I don't think there should be a pair. I think

Yes, I did. I have a small claims court for trouble damages for an apartment move out.

Now that was when I'm trying to find the actual case. Uh this, let's see, it was I don't have when you called in? Did you use the name Brenda.

Yeah, Mark might have taken and it might have been. It might have been last week, it might have been the week before, because it was yesterday.

Okay, so you had a mediation because they did not send you in time. The information was that the case on your security deposit. Yes, you remember that day, you remember that case. No, you were shaken.

I'm working a different case.

Okay, the different one. Okay, So what happened? Uh? Oh yeah, okay, go ahead, I'm listening.

Basically, the question I have of mediation was I put US Postal Service forwarding on my mail two weeks before I moved. They said that they sent a letter to me a week after I moved out that happened.

Where did they send it? They sent it to the old address, right.

Old address, and it should have gone through the Postal Service with my mail forwarding, which I was receiving mail before that, right to other people like Excel. But they're saying they sent it out and it was returned to the sender to them, so they knew. I they knew.

Oh wait a minute, Why why did I don't get this? Why didn't the post Office forward it?

I don't know, because I do have one from Excel Energy that was forwarded two weeks before that with no problem from the old address to the new address.

But they're not. You don't think they're dying about getting it back.

Do you? Yes? I do.

But even if my question is, even if they got it back, they knew I didn't get it, and they had my phone number and my email, there's no responsibility to them.

Nope, nope, they just have to mail it. There's no mistake it. They don't have no they I'm giving you the answer. They don't have to chase you down. They don't have What did mediation say.

Well, they basically said that Number one, they're all wrong with the trouble damages thing. They're saying that we would have had to file a court case seven days from move out date, saying that we were going to file take them to court.

Well, of course you in seven damages because you can't do it within seven days, you have to do it after sixty days.

Right, So that was wrong first and then and then they basically went through this, Well, we mailed it out and we got it back, so we never you know, we never said so did the mediation.

Did the mediator basically tell you you're not going to get treble damages.

No.

Basically we even told them we don't want any damages zero. We just want you to remove their derogatory comments off of our rental history.

And what was the derogatory comments about about you owing money.

Then move out?

Cost can know them money?

Okay, here's what I need to know. Did you did you end up having to pay them or did they call it even or what what was the result of your media.

We're going to court next week.

So the mediation did not work.

No, and they basically are threatening that when they go to court they're going to add attorney sees and well.

They don't get they don't get attorneys feed, they don't they don't get attorney fees automatically unless the judge grantson what kind of court you go into small claims court?

Right, small claims court in a Rapahole county, so.

They don't have Look at they're threatening you just show up at small claims court. But listen, you may lose. If the mediator said, look, you're going to have to show that you got mail and you had it forwarded. I don't know how you and we do it.

We have to take good because good, because when you have Postal Service forwarding them, they send you a picture of everything.

Good, good, good, good, and you never got a picture of their mail. No, I listen, Brenda, how do you lose if they say they got it back? Do they have the unopened envelope as evidence? Did they have it?

I don't know. They didn't produce Well.

Guess what, you have the US Postal Service evidence, so they have to have evidence. I think you might win.

Okay, all right, I don't know.

What to do. But but what were you What was your comment about it? Why did you call about it? I think you're on the right track. Why did you call it?

Well, the reason I called was because I wasn't sure if they have other ways to contact us, if they knew we did not.

No, No, they don't have to. They don't have to under the current now. Yeah, unfortunately, I think right now everyone, I think there should be more than us, and I think there should be a way for people to legally be able to uh have another way to contact you. Yes, I totally agree with you on that. Three A three seven, one, three eight two five five. So I am with you on that. I'm Tom Artino. We have more coming up on the Troubleshooter Show. I just want to tell you

Internet's been down for five days straight. I've been getting a text message from century Link.

But there, my goodness, my century Link, which this entire show is based on right here from my home studio, is solid. Where are you?

I'm on Alameda between Airport and Chambers in Aurora, and I think it's it could be local construction, but it's like I've fallen into an information black hole.

I don't it's been gone wait wait three weeks?

Five days?

Oh?

Five? I'm sorry? Why did I say three? Okay? I had another issue here for three weeks. Okay, never mind on this, on this sentry link thing for five days. Here's what I want to know. Are your neighbors out I haven't.

I haven't had much contact with them, but I think they have direct TV. But I haven't talked to them, so I haven't.

Been Okay, Well, this is important because it's either it could be with your local crap there, right, we don't know that yet, right, correct? Okay, So what are you calling about? You want to find out? Right?

Yeah, I just want information and maybe a little embarrassment might Oh okay, you know a roadblock that's I don't know about her.

You know.

Well, here's the thing normally, Jason, the way there, you got to discern whether it's your house or not, because they're not going to get embarrassed if it's your house, because it's never their fault if it's your house. Yeah, I mean right, even if if rodents ate through the stuff or how how it's been five days when you call them, do they try to ping your modem and stuff like that?

See that that was repaired, I want to say, the week before. So this is and this is when they contacted their automated system and just talked to a rep today And it's an area outedge servage outage.

Wait, that's that's what I get. Oh wait, so you did you did find out there is a service a service outage?

Yeah?

Hold on, and I do you know that for sure?

Yeah, Jason, Jason, this is Dimitri. I don't know if you've noted if you know the news of the past couple of weeks, there have been some deliberate sabotage attempts on internet access in the eastern part of the metro area. What these appear to be probing attacks by people who are Yeah, and they're they're probing these attacks.

Are they hardware attacks or software hack?

They're burning, they're burning down switches, burning. Yes, this is a probing attack on our infrastructure. What in preparation for something probably much larger. Oh, come on, there have been at least gang well, there have been at least four or five such The government doesn't want us talking about this.

No, no, did he hang uper? He got disconnected? Century waiting hold on, Yeah, I'm on, I'm on centure. What the hell is going on? Brothers? Wait a minute, I didn't, Hey Shannon, talk to me.

I wish I was involved because that was funny. But nope, he.

Got he got totally connected and he was just talking. Listen if you want to call back, Jason. Now, wait a minute, d Is this so you're saying they suspect sabotage of their system.

Well, it's not suspected. It is deliberate sabotage.

There have been accelerants found in these underground wire wire systems, and uh, you know the prevailing theories that these are probing attacks and preparation for something bigger.

Hold on, though, I checked Deni in Views and they said, nope, it's not happening. That it's an exaggeration from people who like Trump.

Yeah, I'll get you something from a real news source.

Okay. Anyway, so Denian Views says, Nope, ain't happening. I watched the show vexed on Denian News and uh and uh, Pile of crap told me that is that his name? Pile Pile of crap. Anyway, Anito, you have a comment on Social Security? What's going on?

This happens only back in two thousand, for Social Security sent me a letter saying that they had underpaid me and they owed me five thousand dollars and it would be deposited in my account next for the next month.

Wait. Wait, so it ended up where they owed you money?

Yes, in the beginning they.

Owed me money. Yeah, And then what happened They.

Increased my my monthly benefits.

And then about.

Four months later they called me and said era had been made. They wanted that five thousand dollars back and we could either do payment plan or they would keep my Social Security from me. Until that five thousand was paid. So I talked to my attorney and she told me to go down and get a waiver, which a lot of people don't know about.

And got the waiver.

Now, where'd you get the waiver? Where'd you get the waiver?

I was living in Las Vegas at the time, And I mean, did you get it from Social Security or where? Yeah, that's the only place you can get it from Social Security.

A waiver to pay them back kidney, a waiver saying you did not have to pay them back.

The waiver that I got said that I had to pay them back and I had to fill out this wave was like a booklet, was like twenty pages. My attorney killed it out for me.

Okay, But the waiver said you wanted to get away from paying that. In other words, the waiver was a waving away from paying Is that.

Right exactly exactly?

And did it go through? Were you able to keep the money?

I was able to keep the money.

Definitely. Yes.

They were really upset.

They was really upset about it.

They don't like to lose.

So what happened that they must have put something on my account because when I would call later off about something else, I was either put on hold, oh I was disconnected.

So okay, well, thank you for that information. Anita, Listen, I was, I'm not aware of any kind of waivers. Now, I'm not saying she's not telling me the truth. I mean, if she says it happened, it happened, I have no

Well, there's a there's a formula that if you have participated in Social Security, but we're also a participant in a non covered pension like parafe.

Yeah.

Yeah, you can go online and the Windfall Elimination Provision formula is there and you can calculate what the offset's going to be. So there's a way for planning to know what that's going to be when the time comes.

All right, So there you there's a law that talks about not only offsetting, but the form for offsetting Anita said she was able to fill out a waiver so she didn't have to pay. We have to take this break. I have more coming right up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Wait time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance

Okay, it's we're at Congress. Parpartments are being about two going on three years. When we first got here, I was committed a request for reasonable accommodations, which they never got because that's such a high turnover rate with the management.

Yeah, so what kind of what kind of accommodations were you looking?

For because my mom's a she's disabled, she says, diabetes's some.

And what kind of accommodations were you looking for? Sam?

Just a bigger place and and just something she could get to because the elevator always goes out here and it's just small. She can't get around in her apartment.

Okay, Well she's not in a wheelchair, is she?

Yeah?

Yeah?

Oh okay, uh huh all right, So how how long ago did you ask for these accommodations?

Oh, this is like when we first moved in.

And how long ago?

About two years ago? Over two years ago?

Okay, hold on and let's see what we can do for you. Okay, hey, Kachina, we have someone who deals with housing for the Americans with Disabilities Act. I believe, I believe we have an expert. We let on now, and then who we go with a sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay a

D news need who you don't have, Run as fast as you can.

Shoot 's gonna come.

Man.

This is the Troubleshooter Show. No Tom Martino, Hey.

Tom Martino here, Welcome to the show, the only show if it's kind of anywhere in the universe. And if you happen to ever download or stream the show, you'll see we have a studio full of people and then we're having fun solving problems, answering questions, taking complaints, and we'll go right back to the phones. So welcome to

You want to know what accommodations are we looking for?

What's your mom's name? Sam? What's your mom's name? Who's on the line. I would like to talk to her? What's your name?

Yeah, I'm agreed.

What callum Madrid?

Calum Madrid?

Okay?

Spella?

Yeah, Spella.

That's the weirdest name I've ever heard.

Spella p E L l A p E Pella.

Okay, Okay, it doesn't. I'm just gonna call you. Hey you, Sam, and hey you? What are you looking for? Specifically?

I'm looking for a wheelchair accessible okay, apartment?

And what did Okay? I'm see we're trying to find our our expert on housing for Americans with disabilities. I don't I don't know if that's considered a reasonable accommodation. I'm not sure. I'm saying, do they have apartments that are wheelchair accessible?

They have like two of them.

Are they taking? Are they are they taking?

And they're taking everything?

Okay, but hold on, So so maybe they just say we don't have any available. What if they told you that, what would you say?

Well, that's what they tell me.

Okay, Well do you think that they're lying to you?

Well?

Sometimes I wonder if I mean, I don't know.

How about if we have someone call over there and just have different apartments? So are you willing to move?

Obviously right, I'm willing to move, but I don't want another apartment.

I've lived here for a year and a half. I wait, what do you want them to do?

Do you want them to remodel your hold on to your sage? Okay, do you want them? I'm just asking to remodel the apartment you're in. Do you want them to find you a new, better suited apartment? What are you asking for? So when we all over there, okay.

For someone Brown, I don't want nothing with the elevator. The elevator here has broken down eight eight times, and I can't okay with that?

Okay, Okay, I am right now trying to find my person with Americans with hey, Kachina, were we able to find her. Yes, I reached out to her. She has not gone back to me yet. Okay, we're gonna do a couple things. We're going to get a deputy to call over and to see if they have it, and then we're going to have this expert come on and

I just have one question, Tom, Yes, sir, if you want it all of these things done, why did you move into that apartment to begin with? If you knew that it wasn't what you.

Yeah, in other words, in other words, that's a fair question. That's a fair question.

I was holding this and I was staying in my truck. I was there for six years, and I was just looking for something that I can live in instead of my truck being cold and everything.

Oh my, you lived in a truck first six years?

What?

Yes?

So I just got the first thing that popped up. Well, it wasn't because I wanted it.

Is this subsidized housing?

It is, No, it's it's just the incomes online.

No, okay, that's so it's slow income. Okay. So how long did it take you to get that? How long did you have to wait on a list for that?

Two years?

My goodness? How did you end up in your truck?

That's because I went homeless?

Okay? Did you run out of money or job? How old are you.

I'm sixty five.

Oh that's terrible, So.

Six next month, if God's willing.

Are you getting so shorty disability?

Yes? Good?

Okay, Hey listen, we're going to try to reach out to that apartment place, so hang on, okay, dear three all three seven one three talks seven one three eight two five five. We're also reaching out to our fair Housing expert and Americans with Disabilities Act. And her name is Pella, like the window, I think, so I'm just gonna write that down. Thank you doc for taking this. Three oh three seven one three A two five five. Listen.

I think probably there's some space in a closet or somewhere. And then yeah, we can move plumbing.

So you can add stuff, not just remodels.

Yeah, of course.

Yeah. Now in the conversions where you pull out the tubs, I think everyone should get rid of shoubs. That's the name I gave them, shoubs. You know, shower tubs because they suck and they're ugly, and they're noisy, and they're dangerous and they're they're terrible. Do they still put them in new houses and specs?

They do?

Really, So that's a big job. So that's a good business to convert those absolutely.

Yeah.

Now are people willing to forego the tub? But nowadays yeah, more often than not, otherwise known as germ baths. Yeah, you don't think about it or have a separate tub and a separate shower. Combining them not a good idea.

Yeah, so you see that in the master.

But the hall bath, I mean more often than not people want it to be a shower. The only reason they want the tub is small kids and pets. Pets, Yeah, they wash their pets.

Now, Pat, he has a solution for that. Do you know what he did in one of his houses, Pat Jollif, oh, my partner at Wave eight. You know what he did? He put in good come on, this is decades. He put in a shower for his dogs.

And we've done that before too.

You have you install those yea, the best thing.

They're elevated and you put your.

Dog, yeah, no fooling, And then you start using them for a bunch of others.

Hold on now, hold on, Chris, I'm going to start going. No, I'm not going to make take all your advertising time, but I'm going to mention that one so on, so you can put in well, what do you call it a shower bay for the dog or a grooming bay or what? What is it? It's a it's a shower.

Yeah, it's just a shower. Is a pet shower?

Now? Pat put in this subway tile looks really good and it's elevated so they can stand there. And then they got the spray they can pull. Did I notice you have that you can spread on, you can hold the Wand.

The only suggestion I would make on that that was to make sure that you put a toe kick in there, because we didn't do that. And if you're and.

We've got two, what do you mean by a toe?

Toe kick? Is where your toes can slide underneath a little bit. Oh, otherwise you're too far and you know, I've got some back.

I never even thought about that.

Yeah, But aside from that, they're phenomenal. Is the best thing that we did in that house, and everybody gets a kick out of it because nobody's ever seen one. It's something to do, for sure.

So where do you put those, Chris the discount bath dot com? Do you put them?

The one we did was in the basement and it was for a great dane, so it wasn't.

Just jumped in there.

Yeah, so the dane had its own shower. But yeah, that's as a matter of fact. Way back, I owned a laundromat and we added a pet wash in there, and well, that's a good idea.

Do it yourself. Gloomering areas are pretty cool. We have we have them in several in Colorado. Now. The closest I came to animal stuff like this is in my barn, of course, and a lot of people with barns put in a wash rack for their horses. It's you know,

Need the video, right, Yeah, absolutely, it's well I couldn't even give a percentage to that, but it matters the size of the bathroom. I need at least five feet for a vanity to have two sinks in.

It, Okay, five feet of wall, yes, ok.

And I have to have thirty inches for the toilet, fifteen on either fifteen inches on either side of the drain of the center of the toilet.

Now can you tell that from cell phone video? Usually? Yeah?

I mean you count tiles and there's things that you can look at Sometimes you can't tell, but more often.

Than that we can see the size.

All right, three h three seven one three dogs seven one three eight two five five And someone else? Do you do bathrooms where none exists? Okay? Or do you just do where they're already there?

No, we'll do a new new build.

Typically that's in a basement where there's there's roughed in plumbing or.

Yeah, because otherwise to rough end would be impossible.

Right, Yeah, I mean you can do it.

It just really matters where the drains are and how much concrete you have to bust up.

Okay, my goodness, people are using my Google phone seven four seven, nine nine nine fifty two eighty because this one says, can you is where the toilet drain the pre designating spot? I must have my toilet. I guess they're talking about rough in where you see that hole in the floor? Can you You can't move that, can you?

So?

Uh, if it's an existing bathroom you don't want to move the toilet, it can be done, but typically, especially on the second, you'd.

Have to break up the floor.

Now, yeah, it's it's it's probably the most challenging thing when somebody says, Hey, the toilet, it's in the basement, and you know there's nothing there, right, you.

Can Otherwise you'd have to jackhammer the congress. I mean literally, you have to reduce stuff is difficult. Yeah, okay, if you're out of house, this is the last one I'm taking. Well, you guys can still continue to text seven four seven nine nine, nine fifty eighty and two of these I think we're from the same people, two from two people, you know, four from two people, and then the rest were individual. The one about if you're in a house doing a kitchen and it's a small can you do

Yep, yep. We just finished one, actually two bathrooms in a kitchen.

Okay, well I never mentioned that either. So it's discount bath. You couldn't get discount bathroom kitchen dot com. No, No, probably not discount bath and more. Okay, so that's Chris discount bath dot com. And okay, so I said I had Pat with me, Pat jobab from uh Wave eight. I love saying this Wave eight financial Financial or excuse me,

Oh, I agree with you. It's one thing you know when you read about that. Typically, what we've done historically we ask people about their risk tolerance. We give them a questionnaire.

Sure everyone does that.

We give them a hypothetical question to say, if you saw a ten percent draw down in your portfolio, how would you react? And most people what, Oh, I'd stay the course, or I'd even invest more or whatever.

Then they don't tell the truth.

Well, what happens is when it when it does happen to them, then they run for the fences and I think the psychological factor of that and behavioral finances that it feels worse to lose and it feels good to win, and people don't realize that. And so what what the Money Anxiety Index has done is it's gone out and measured actual variables of reactions of people to things that

You know, the consumers did at the stores, right, because they didn't want to be home without toilet paper. I know, it was amazing to me how people did that, right, And.

My point bringing it up is is that's an actual reaction to an occurrence in the marketplace that can be measured and then it can.

Right to Now obviously we're not saying, you know, you go out and then buy Sharman stock, but that is an exaggerated example of where anxiety causes changes in a marketplace. That's right, it's.

Taking real reactive data and applying that to market movements. And there's and in the Money Anxiety Index, there's been a correlation and to the market in long positions and short positions for funds that exchange traded funds that outperform in both market cycles. And then you can put a portfolio together based upon it.

I don't know if this person trying to be a smart astronaut that text me, what makes you so special? You know everybody? You know, there's there's you know everyone, there's there's dozens of shows and commercials on about financial advisement. And and here's what I want to say real quick. First of all, let me just explain this. We don't day trade or do anything like that. And I asked, do we buy? Do we you know, should we be

You have natural diversification built in because you have a number.

Of it and buy people way smarter than us. And while we say we take a direct approach, which we do, we do not wholesale this out like ninety eight percent of all advisors wholesale it to bigger advisors. I don't care. They should be honest with you and tell you that, okay, they make a spread, but you do have to take advantage of expertise out in the marketplace like ETFs and

Two is three times. And there's also a provision he's put in the contract that he.

Could get get closer to that bro charge.

Justin claims he can charge five I thought it's five hundred dollars a day, but his contract says he can charge five hundred dollars an hour every time, the very minute or hour the contracts and not completed, which is ridiculous. And he's been working quite a bit behind the scenes with Colp the Attorney General.

You want to come in on it, so d go ahead take the mic. I mean it's making noise, but I don't go ahead.

Yeah.

I Bow alluded to some of my behind the scenes work and helping Bow on this matter.

And the Attorney General.

Yeah, the attorney So I've been in touch quite a few times with the State Attorney General's office, and you saw the latest email that they sent me, which basically they've stopped commenting on this matter because they claim that they are not allowed to comment or confirm or deny on going and investigations. So I don't know where that stands, but hopefully the consumer will be able.

To come well now. They often say that. They often say that once I used to give them stuff at Channel four and at Fox thirty one and when I was on TV, and I would give them information when I came across the case I thought were fraudulent, and then I'd say, Okay, now I need to know I need to follow up, and they would say things like, well, we can't tell you anything, and I said, wait a minute I brought it to you, you know.

And the other two things that I've been working on to help BO with this case is I developed the channel inside the colors of the Springs Police Department and this is not dead yet. Good good, So there's a lieutenant over there who is in charge of financial crimes who's now been involved in investigating this matter, and hopefully he'll be able to find some evidence and pass this

Who specialized take it.

I believe, if I read the email correctly, he already took this case.

And he's doing this what's that? Yeah?

So, and I believe he's doing it pro bonos so, and I'm sure that's in hopes of recovering his fees at the end of the civil action.

Okay, So those are the things that I've been working on.

Now in the obvious news, no, not the election, something even bigger coming up Halloween there is, believe it or not, Now there are woke costumes and unwoke costumes. You have to choose which is which. Okay, I'll go with unwoke. Okay. So basically, if you wear the wrong costume to work, they're saying, you stand the chance of being canceled, But you also stand the chance of losing a job. And here are some of the most common mistakes people make.

Hi Tom?

This is a Hey.

I had Discount Bath come out, put in.

A got rid of my shove, Yeah, tower.

Yeah, those things I know.

Stephan come out, gave us a quote and told us about all his products.

And we made an appointment.

Yeah, Tim, come out at the end of September.

Two and a half days later.

We had a beautiful shower.

Two and a half days That is what incredible. What kind of wall system did you go with?

Oh the acrylic.

Yeah, marble looking crylic and nothing to maintain, hardly anything to maintain. Right, that's right, yep, that's cool. What was there before so you had? Did you have like the original that was built with.

Your house, Yeah, built back in.

The seventies, the club with the.

Tower doors and tile.

Yeah, and Tim, Tim come out and the boy.

That guy is good.

He's a perfectionist and he did a great job.

Hey, Mark, thank you so much. I really do love hearing about that stuff. So thank you very much, Mark. And yeah, discount bath dot com there on a show today. If you have any questions, I do have a few texts for everyone here. We'll get to three O three seven one three talk now. On that caller, a lot of people said, you know, I wasn't hearing her name right. I thought it was Pella, possibly Ella, Stella, Isabella, Marabella, Othella. I don't know. Does anyone know for sure? Kaschina? Did

Pretty static?

This wait and see kind of thing is kind of a wait and see. So it's not a crash or a boom.

Or no, not necessarily, and everybody tries to anticipate that some big move and it generally doesn't happen. And you know, typically what I tell people is certainly aside from the headline risk and that can get some emotions going and things will make you know, people make some moves and things like that, but it's really more about FED policy that's going to move markets.

So they feel somebody is going to be inflationary or recessionary, or high rates or low rates.

It moves more so in the immediate it's about FED policy because they really control the velocity of money into the market and bloscity capital in the marketplace, and so administrative changes really don't take effect if you think about it, until almost two years down the road, and all the policies get changed and then they get put in a place and so on, and then the domino start to fall.

Deputy d I got a text about this Josh Sandoval, another person, so they wanted to know they heard about it on the They said they heard us that we were talking about on the show. They didn't hear the conversation. I want to know your gut feeling did you feel Josh Sandival was a you know, look at when you talk to Justin Garcia, this guy that stole sixty two thousand dollars from an elderly woman. You get the feeling he's a scammer. You just get the feeling right off

Did not get that feeling from mister Sanderbal at all. He is he is, and I believe when he says that he's going to repay Guermo, who's the consumer whose behalf I called yesterday, it's disappointing that he is not in a position to write a check for the entire amount due. But given how hard it is to get money out of contractors anyway, his offer in his commitment written commitment to two payments per month in the amount of five hundred dollars. E oh, it's way better than

The same guy, same guy. Pass over the mic. Wow, the same guy? What in that case? Bo? What was it?

It was about a month ago. Kayla called into the show, and you'll remember this, Tom. This is the one where I asked to go over to his house and I went over on a Saturday. I called several emails.

He did call me.

He said he would send some money to Kayla, and he never.

Did go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance. Pay too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two.

D news.

You needed that who You don't have to run anxious ass as.

We can shoot us Conna Hilp.

Come man, this is the Troubleshooter Show. No Tom Martino, Hello.

Tom Martino here, Welcome to the show. Three oh three seven one three talk three oh three seven one three eight two five five. Here to help you any way that I can so. Here we are solving problems answering question. It came taking complaints. You see that number three oh three Martino right there at three oh three six two seven, eight, four sixty six. Of course, I'm speaking to those who download the podcast for the stream and for those of you in radio land, welcome. Let's go to the phones

Steve? Hey, Tom, I'm calling. I've got a business. We own a c transmission on Federal sixty seventh and Federal and now I'm on your referral. I'm on your referral list and I'm looking for a company that does snow removal from our parking lots and our sidewalk for this winter. But I don't see anything on your list, so I thought i'd just read you know what.

I'll tell you why. We've had several try over the years, and here's what usually happens. We have landscapers who usually try to do that in the winter and they're not equipped to or they don't do a great job. It's not that they're bad, they don't cheat people. They just get in over their head. I have found it's a thing. It's a weird business because even the best people who want to do it can never plan for it. They either are overstaffed or understaffed because they don't want to

We are doing great. Tom been a real blessing. We've just we doubled our business and we've just people are fixing their cars and they don't want to go electric. So I'm telling you it's working out.

Great for us.

See if you ought to come over for car day one time, because we have a we have our car professionals on from time to time and we should really get you know, people on from the referrals who are in the business. Again. Uh, you know, we have all of our experts. We we love and I want to know something. What's the biggest job, not the biggest job, the most common transmission you're repairing? I'll bet you it's some kind of CBT. Is that what they call it? CBT?

Well, we have been doing some of those. Most of those time, we've been replacing the complete units. But believe it or not, the twenty eighteen and newer gms and forwards, we're doing a lot of the eight and ten speeds. So all of the newer vehicles now are the star are they?

Are they we week transmissions or what?

Well, they're shifting too much. I think it's the main Oh never thought of that, sitting eight and ten times. So they're not lasting, but seventy five to one hundred thousand miles on some of these units, So it's kind of.

Good for us.

We've had a kind of a big learning curve to learn how to build them.

But we're actually give.

Me an example of a car that has that ten speed.

Well, any of the big twenty five hundred, the Silverados and such are doing that. But I'm not really in that part of the business. I do most of the business side. But my two sons, of course and Derek, they run the business, but they they're always talking about the eight and ten speeds having a lot of problems now.

And Steve, what about the what about the supply chain? How have you been How has it been for getting parts and stuff?

Well, we've been doing really well, Tom, I think for us, I pay my vendors every two weeks, so I'm kind of on their hot list. When I need something, they go come get it to me. But our transmission suppliers, our main supplier, does really good for us. But there are times I'm not going to lie to you, Tom, we do have to get other sources. Yeah, part, and it adds time to the because of vendors, you know.

Okay, now on transmissions, is most of it remove and replace with rebuilds or do you try to rebuild them yourself or what?

Well?

What we well, we do we try to rebuild them. We've got two builders in our company. I have over eighty years of experience.

In our shop.

Who building side?

Yeah, yeah, so between the two guys, they've been around a while. They know how to do it. But we are totally transparent. We let our customers give them a price range before we even start on it. If we condemn the transmission, it's no charge for us to check the vehicle. And if we actually condemn it, then we we don't. We let them know what the price range is.

And then now what is your is your website? I want to make sure I have the right one? Is your website? What is it AC transmission dot com?

For AC transmission AC transmission dot com. We're on Federal sixty.

Site sixty seven eighty yeah, yeah, right, And how and how long has that ocasion? How long has that location been there?

Nineteen sixty five?

Tom, whoa and see now that's really cool. That's good. Yeah, AC Transmission Center. Go ahead, Yeah, that's us.

We're the second owners. I bought it from the original family, so we went from a family business to a family business, and that's the way we kept it. I've known the previous owner over thirty years, and I've always was really impressed by his shop and how he ran it. And I always told him that, hey, if I ever wanted to, if you ever wanted to sell it, maybe we can

Oh, I just got a I just got a question by text asking do you guys go out and tow in for people.

I do have a towing company that I sublet to good. We will tow it in for for We will tow it in for free if they do the work with me. Yeah, if they do do the work with me, then they'll just have to.

Pay for the toe bill.

But it's no charge for our customers.

Thank you very much. Man. And and I want to give out the phone number on your site. Here's three oh three four two eight sure six five six six four to eight right, yeah, six five sixty six. So thanks man, thanks for calling in. And if we hear anything about snow removal, we will absolutely let you know. Thank you, Steve. Okay, now we have Drew coming up after the break. And also somebody said, Tom, you're getting old and you tease something and never came back to it.

You're after the Battle of Little Big Horn Museum and stuff up there? No where is that up into Wyoming? Just you know.

What I might have done that years ago. I might have done that, because that rings true. I might have gone up there with my motor home. Why do you ask?

Because I'm curious if you are related, great great great grandfather would beep to Giovanni Martino, who is yes, barn so, yes.

We have we have a Giovanni Martino in our family tree that goes way way back. My son is named after him, right.

You you are related to the last surviving soldier of Custos last stand.

You know, we we didn't claim that, by the way. We we just were told about it and we have never verified it. And it could be hold on, It could be that just somebody in our family decided to latch on to that.

But he settled in New York or my wife, you.

Know, Then it could be. It could be because and and of course most of the Italians started in New York. Anyway, there were a few that came straight while everyone went through uh of course, uh uh the island and then went out to a lot of them came out to Colorado and uh and then of course uh, New York and the and and thereabout on the East coast. Uh. Very few at the in the beginning went to California and then well the California wasn't really developed that well.

Oh that's right, Yeah, yeah.

There's there's a big population of Italians in Argentina. So as far as the heritage goes, I've heard about Giovanni, my son's name Giovanni Martino. So it's kind of a cool heritage. And as I said, I never verified it.

Did you need to be a neat thing to have. We are the last advising family.

That's kind of cool. Yeah, it is. And there weren't many Italian soldiers back then in the cavalry.

You know.

He was assigned his Custer's buglers. Those days, they ran the army by doing bugle sounds.

That's right, that's right, man. A lot about that.

At the beginning of the battle, he got sent by Custer. He's the last one to see Custer alive.

Now. One of the first people that told me about this was Bob Palmer, who used to be an anchorman at Channel four, then he went to seven and then came back to four. And I worked with Bob for many, many, many many years, and also my wife co anchored with him, Stephanie Riggs, And I remember I remember him telling me he was the consummate's collector and historian when it came to all things Custer. He really did. He had like memorabilia and relics from that error and from I think

Well you need to get this all Lake because the Marmons are big on that they got all the records.

Yeah, I heard that. That's right. You're you're absolutely right. Three oh three seven one three talk three oh three seven one three eight two five five. So Kachina Calori, Kachina? Why did he hang up again? So he's been having issues with his phone.

A landline, isn't it?

Yeah, it is a It is a landline.

I don't know exactly why it keeps cutting out, but that's pretty much what's happening right now.

Bill.

Yeah, he's going to have trouble.

Man.

I'm checking his his GoFundMe. He hasn't changed it. I I sent them suggestions. I refuse to log on and do it as him because it requires me to put in my phone number for the Verica verification over the account. I'm not going to take part in a private go fund me now. I'm told Colorado look at I'm not recommending them, but somebody texted me said they've used Colorado lawn Scaping for snow removal at three zero three four

So the answer to that, if most is over fifty percent, then yes, are getting rid of the tubs completely completely. That's probably around sixty.

I mean, tubs are old technology. Think about it as technology. Tubs. Tubs were made when you didn't have showers.

Yeah, and I mean really it matters the house for sure because the big master bathrooms and there's room for a tub.

Not all.

But but you take that out of the equation. Most people shower.

They're not clean. Tubs are not clean. I'm sorry. Tubs are disgusting in my opinion anyway three all three seven one three talks seven one three eight to five ive. Okay. The Halloween costumes, Yes, I am getting to it right now. The ten costume rules for Halloween parties according to the woke crowd. Now, I'm just kidding on the wolf crowd, but they are saying that they can be they can violate sensitivities, and they can violate that kind of stuff. First of all, I'm just going to tell you some

What There was something on YouTube where a guy dressed up as a Mexican with a big hat and a mustache, and and he went to a college campus and everybody said it was offensive. Then he went into a Hispanic neighborhood and asked about ten Mexicans if they felt offended. Not one of them said that they were offended by it. They thought it was absolutely cool.

Okay, yep, so they're going to these offensive nonsense. Next, don't dress up as a terrorist. Don't be Osama bin Laden, don't be any other terrorist. I don't even know any terror I couldn't name. Who could I name his terrorists? Anyway? Don't wear plastic body parts, breasts, buttocks, dildos. Can I say that? By the way, dragon, did you just is that? Okay? Yeah, that's what they said. Your costume should not insinuate the form of real body parts hanging off your body or

That's already prohibited by one of the preceding prohibitions against.

Not being a fencing park. Why don't we just why don't we just cancel Halloween in general? Think about it.

I take issue with probitionion against the sluting costumes.

No sluts, no sluts allowed. I take an issue with that, and I'll Boughton again. Most places would shut down. I mean, you can't go to Walmart anymore. Well, it's here to rule. Oh did I just say that out loud? I'm sorry? Three oh three seven one three A two five five. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Plea time for an insurance check up free no obligation.

Or?

My YouTube morons can answer me whatever. Here's what it says. It's a text. Now, this is not to my Google number. This is to my cell phone number. My Google number comes to this cell phone, so it's private. But this is my actual cell phone number. And it says right here, Hi, I'm Zoo. That's XU. This is my new work phone and I found you in my address book? Do we know each other? How would you respond to that scam?

You don't respond? Do reporters?

Yeah? I mean, why do you think? And it's a three one oh number? Where's three one oh from?

Why the way?

Why wouldn't Zoo know me?

Hm?

Hm, you know what I'm gonna do. I'll tell you what I'm gonna do. I'm going to text him from my Google voice number or her Zoo. Oh, you're right, girl, let's just say they. I'm going to text them and I'm going to say, hey, this is my new work phone and I found you on my contact Do we know each other? I'm going to do that and see if I get a response. That'll be funny. Hunh somebody says it's fishy pH I s h you absolutely don't respond to that message, okay, And somebody else says, don't

Hey, Tom, you know what else they do.

They'll call you up and I'll say, oh, is this Let's they call my number the hey is this James, and I'll say no. They said, oh, well, you sound like a nice guy. You want to have a chat, And they sort of try and get you to chat with them so they can get some personal information.

Uh. Yeah, of course everything is in an effort to get information. Now, I want to read this text to my Google Voice which comes right to my cell phone, but I can read it on the computer as well. My Google Voice number for anyone that wants to text me. And if you want to text me about my other life,

Call me?

Is the woke movement? Now? I think the part that people have. I don't think people care about preferences. I don't care about people's preferences. If you don't like certain words and phrases, and you don't like certain things and you feel them offensive, I don't mind that. I think what bothers me is where people get canceled. Now, someone else texted me saying, there is no such thing as canceled.

Sports casters have been fired because they let something slip that wasn't with the WOL community.

And they can't get their job back. Name one. I don't know. I'm not challenging. I'm asking who.

Gruden would be the most recent one?

Who is that?

John Gruden used to be the coach of the Raiders Dragon?

What did he What did he do? Dragon?

Some emails were.

Leak that he apparently dropped a couple of N bombs referring to some of the players, and that got him fired and.

Cantl Papa John. He had he left, I mean he had to leave his company. Okay, what about my pillow? His his company, Every major retailer canceled his product and he has to now sell direct to the public. Okay, what about that one basketball that I'm not and I'm not saying they shouldn't have been chastise or whatever, or they were great people, But remember that one NBA owner that talked about doing stuff for the blacks because of

You know?

Who gets away with almost everything? Tom is South Park. There's not one group or collections.

They're making fun of everybody.

They haven't insulted or made fun of, right Dragon.

I would agree, Yeah, but they no holds barred against everybody.

They don't pick and choose.

Exactly, and nobody gets upset. It's been on the air for like one hundred and fifty years.

Now.

Howard Cosell years ago got fired and no one else had him on again because remember he you know what he said. I don't think he meant it as a racial thing, but you remember, and then who else?

Well, what about the And there's a golf announcer who asked innocently if women with large breaths have to change it swing and wanted to hit the ball properly, and he got fired.

H Okay, Megan Kelly, I watched the show where she got offended, where she offended people supposedly, and now Al Roker was so upset he could hardly talk. Okay, they were having a discussion about Halloween costumes and inappropriate Halloween costumes, oddly enough, like we were doing. Do you remember what she said? She said, Well, when I was growing up, there was nothing wrong with blackface. Now, what she meant is that, not that there was nothing wrong. What she

You look it up.

That's what she was fired over. We got more coming up on the Troubleshooter Show. Go with a sure Thing Denver's Best Roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies. Find out now three oh three, seven seven to one help.

Rip of.

News.

So you don't have run anxiousness as we can shoot us. Gonna come.

This he is the Troubleshooter Show. No Tom Martino, Hi.

Tom Martino here and that number three out three Martino, get me called twenty four to seven and we'll get you on the show and help you anyway we can. This show has been on for forty five years in Denver, longer elsewhere. And I've been fighting for consumers' rights responsibilities as well, meaning if you're wrong, I let you know, or if I think you're wrong, I'm not always right. But anyway, I want to go to the phones right now. Talk to Chris now. This robot dog he's talking about. God,

Let me give you a little bit of information.

I'm gonna go ahead, sir, please all right.

I'm a disabled person and I had to relinquish my very expensive dog to only one person, a very good friend of mine and the only person that I know in Colorado.

But why did you have to Why did you have to do that?

Because I'm disabled and I could not care for my dog. Okay, I got it, and so I researched and came up with Ibo Ai Bo. It's a product Ai robotic dog made by Sony for the last twenty some odd years.

Yeah, I say it. I see it here online. What about it? Did you buy it? Yes?

I bought it through direct Sony Direct.

But what did you want it to do?

I wanted to do. Have it do what it said it would do. It would make a good companion. Yeah, it'd be a good companion. I wouldn't have to see it if I didn't want to buy the bulls and spend the extra money. Yeah, would do tricks. You could teach it. And it took three years of about three hours a day. The battery life is about an hour and a half.

And what can you teach? What kind of things?

Now?

It could not learn to do things like for a service dog right now, you just wanted a toy for tricks and stuff, well.

And a companion to it made me feel warm having a dog.

I've always I.

Get it, I get it. So what happened?

What happened? It did not work as stated I did a week and a half, ten days of research prior to buying it, speaking with Sony USA sales department and getting through to their Tier two Tech department, which handles whether they're going to decide to send it to warranty or a limited one year warranty that the dog came with. The dog was unable to change the color of eyes. And this is a special edition Sony Ibo Espresso model.

Was close enough.

So I had done this work. And then I relinquished my dog because they told me, oh, you can change your eyes. She can do cool tricks, but you got a teacher. She's an Ai. She takes three years to fully mature. I said, that's perfect. It's like from birth to a new dog. And I got a fast learner. The first five days it was flawless, and all of a sudden it started crashing into the wall, into my glass fireplace.

There's a glass cover.

Over my fireplace. It was crashing into that. Looking at its reflection, maybe it was crashing into the French doors of lead out into my balcony, which is next to the chair and that I sit in in my living room where I play with ibell Akai named her Lily. So so, I was on the phone on the sixth or seventh day with their highest tier tier two point five Sony technical department for only USA model, and they were giving me all kinds of of answers to the questions I was asking and telling me.

To go to my eyebow.

Well it didn't have that on the Apple app from the app store. I could not change the color of the eyes.

And then well, okay, but hold on, but there were there were more problems than just the eye color, right.

Oh yeah. It started crashing into stuff. It just flipped out and it started losing balance. Like you said with the humanoid thing, you know, the servos, Well something went wrong with that from it falling over and losing balance onto the hardwood.

How much did you pay for this.

Three thousand, three hundred and two dollars on fixed income. Yeah, that was with a pink ball, two dice, and an eyebone which is a fake bone. Yeah, and the charging pad which comes with the ibo. It was like twenty nine one hundred and some odd dollars plus tax, and then the toys plus tap. Yeah, it's about thirty three thirty three hundred. So they authorized the warranty and they told me this is a non refundable thing. I said,

So what did this? So they offered, they okay, so what are their offers to you? Let's sum it up.

They said, they will try and get me a replacement, but it's not in their division. They ended up sending it to LA, having me send it on their dime to LA to their special UH repair department for us US.

And what and what happened? What and what happened?

This is where everything went wrong. They said, there's nothing wrong with Ibe. We've got her doing trips, but we can't change the color of her eyes.

We don't know.

And then I've.

Misplaced an email saying that IBO from from their department may not be able to or it could have been from the marketing department who makes the decision to replace or refund, and and it I mean, it's.

Not like Sonny. Sony needs the money for God's sakes, I mean, but but but Chris, it shouldn't be this heart of his under warranty. Are they going to.

They're not. They're sitting on there, you know what, their laurel laurels and and not and giving me the run around. I'm a disabled person. I live alone on a very you.

Know what, Dimitri, Let's kick their ass. I'm serious.

This is when I legally Chris, Chris, what is she getting passed?

Chris off?

Chris.

If you won't you, We're going to do it with you.

Chris.

What is the remaining issue that must be addressed? It of the eye, But is it just limited to the color of the eyes or is it still crashing into your fireplace?

The I have not received it back. They've had my eyebowl longer than I bwonned it.

Oh you haven't. You haven't received the back yet.

Why won't they just send you a brand new one?

And it's what I asked, and they said it's not. It's not their department to make that decision. They have to set go to marketing I have a direct number to a Natalie uh that that is handles the repair.

Chris, hold on, wait and what does Natalie say? What's the last thing she said?

She said that it's not up to her, it's up to the marketing departments.

Did they give you did they give you a contact in the marketing department?

No? No, no?

Okay.

Told me to call the Tier one and two people who I spoke to for ten days prior to making the purchase and relinquishing my dog, to make sure this was going to be a right fit and there would be no problems.

And it's not. It didn't work. Chris out of the get Chris, Chris, I get it, And unfortunately this is the way it is with technology. This should not be this complicated. They should either replace it or refund it. Period. Did you pay on a credit card?

I paid on a PayPal credit which is a little bit different.

Yeah, but it's long ago.

He can't contest it on PayPal.

I can tell they accept it as a method of payment. They have to refund it, all of it.

I'm not saying.

I'm not saying they can't. No, I'm not saying they shouldn't refund it. I'm saying the credit it doesn't work like a regular one's credit.

Card, one that works. And then I get this email from I don't know, I.

Can't Is this actually is ABO a separate company or is it?

No? No, it's it's it's a Sony product, but it's just.

A canceled product. Now, listen, here's what we're gonna use a dog. I get it. Here's what we're gonna need to do. We're gonna need to get the contacts that you've talked to, names and numbers, and then I need to know the Do you have any kind of a receipt for this purchase?

Uh?

Yeah, but I don't have.

My computer's not working old and my phone is kind of on the blink.

Wait a minute, do you have do you have any kind of proof that is sent this dog? I have a Let me just look and do you have emails? Show proof?

Tony has it because I have to send it in to show proof.

Did you keep a copy? Yes? Did you? Okay, Chris, so you have a copy of the purchase?

Right, I'm looking right here.

Don't don't look while we talk. Here's what I want to know. Okay, you need to get proof that you owned it and that you sent it to them. Do you have proof you sent it to them? Yes?

I do.

Do you have any emails acknowledging that.

They I have, Natalie will acknowledge that.

Okay, did you have any Chris? I want short answers right now. I let you talk and talk and talk. I need to know. Do you have any emails from them?

I have some for trying to troubleshoot it when it started to happen.

Good. But that proves you had it. That's all I care about. I need to go back to dates and emails and people you talk to in phone calls. Okay, do you have any kind of written communication whatsoever about the problems that they verified that say say, oh, everything's working now except this or that? Was that all phone.

Calls except the eyes and the ear.

That's right, except the eyes and the ears. Did they tell you that in a phone call or in an email or in a text in.

A phone call? No, no text, no phone call. It was all done through a very difficult number to get.

Okay.

And her name is Natalie, and she says she's working with them, and she's waiting till the end of the day to see what their decision is. And if they're going to we're going to help you twenty percent what they're.

Going to charge you? What?

What?

What is this twenty.

Percent restocking see fifteen or twenty percent restocking see of three thousand?

No, they're not. No, they're not. No, they're not.

That's what they's I.

Don't care what they said. I don't care what they said. That's bull crap. Okay, if everything you're telling me is the truth, that's bull crap, Natalie. I mean, yeah, I know you don't have. By the way, just so.

You know, tell her you're a lawyer, just as can I just say this, And no, we're not going to say we're a friend.

We're going to say what we are and we're going to get into it. And I I just want you to know that we want to help you. And I think it's bs that you're going through this from a giant company like Sony. For God's sakes. I just can't believe it. I mean I can't. I can't believe you're going through this. I got to take your break. Hang on, bro, hang on. We're going to give this a deputy d.

D uh so right there on the home the landing site for this abo. The three thousand dollars abo dog Abo is sold as a final sale dash no return, So that looks like a really huge red foot.

Is there anyone warranty?

Though, Yeah, there's a warranty. I didn't get to that part.

Okay, so it might be no return, but they certainly have to fix a replace.

It's got to be under warranty. I don't question that.

But when's the last time he saw a consumer good sold by the manufacturer as final sale national return?

I really haven't. But can you imagine the day? And we all know it's coming, folks, we all know it's coming. You know what I'm thinking. Do you all know what I'm thinking? Instead of a bo it's going to be Mabel or Justine or Desiree. You got to give it a name, but it will be or Brad. Of course. I don't want to leave out anyone. So think about it. Think about the day, because you know, you know it

That's not it's a house insurance.

We go, oh house, okay, got it, sir.

Got our new policy. We're supposed to renew this year and it went up. It's a mobile hone on its some property and we own it, no mortgage. We were curious what happens if we just don't pay insurance?

Just well, first of all, don't ever do that. Don't pay you, cancel on purpose, don't let it lapse. Yeah, so you in other words, if you cancel, don't let it lapse and they cancel you, there's a big difference. Okay, it'll affect your credit and everything. Cancel it right now, Yes, you would. You would just say I no longer need your insurance. Now listen what happens. This is the second call we got today, people who are considering not having insurance.

Well, we have considered it's a metal roof, and it's it's really well built, and we're not we're.

Not wild well most okay thetalo. Then the only reason a metal roof has to be replaced usually is for cosmetic reasons. Yeah, so what I want to know is this, how much is your premium per year?

The new premium is three grand?

Oh my god? On a mobile home? Yeah, hold on a second, hold on, who's the carrier?

American Modern?

Hey? Can we get compass insurance on Kachina? We have time. I want to ask them a question about this that that sounds outrageous, and hold on teeth.

The insurance companies have a credit report that they maintain, saying, oh, this guy wasn't covered, so now he goes in some high risk category for us.

You're going to be higher risk, but not as high as if you let it lapse.

But they do keep a credit report and it could effect.

It's called clue. It's called clue.

Yeah, that thing, I don't know.

Let's ask what happens if you intentionally cancel, do not carry it and then want to get it? Let's ask you want a good good property? Oh, yeah. Yeah, Because in other words, if you want insurance on a different property.

Yeah, what is your different to sell?

What is your different property? Oh you mean if you sell this one?

Yeah, if we sell this one and we have another property.

All right, let's ask that kitchina. I hope you're working on it. Let's get Compass on. I'm Tom Martino. Will take this break and come back and try to find out some answers for you on this, because it's pretty important. Three oh three seven to one, three eight, two five five or three oh three Martino. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance

Because you would be in that case, you'd be buying a new property. So you know, when they had asked me, if the question came up, why don't you have prior insurance, I say, because this is a new property. So but to your point, if if you didn't insure your house and then you came back to ensure it. Again, there are companies that will underwrite against that. I'm sure actuarials would probably show that that's not as good of a risk.

Yeah.

Yeah, yeah, so that I so I can get a claim filed.

So so then I have another question then, and that is what about if I don't have insurance? What are my risks? Okay, I know I know what they are, the obvious ones, But what's the main thing that liability? What can happen? He has a he has a mobile home, Keith. Is it set up in a park or on private land?

Private land? How much land by bakers?

How big is the motor home? Or excuse me, the mobile.

Home fifteen hundred square feet?

Fifteen? Is it in two halves? In halves or it's a double wide and it's skirted or is it on a foundation?

Skirted?

Is it on a foundation? No?

No?

Okay? So Brian that. Do you know they want four grand to ensure that.

Yeah, I don't blame it three grand. I'm sorry to do it.

Yeah, yeah, I.

Mean, what is the whole thing worth, Keith? What is that whole property? I don't mean like real estate wise, that trailer or that double wide? What is it worth?

It's a ninety four? I bet I could get three thirty thousand cash for it.

Maybe, No, you wouldn't for that double winde. Not with the lot.

No, I'm not with the lot.

No, I'm not talking about the lot. You're somebody that would come in and haul that away, would pay you thirty grand?

Maybe? Yeah, it's in pretty good shape. I think they would pay thirty grand for it.

Yeah, jeez, I don't know. Maybe anyway, what do you think three thousand dollars?

Yeah, I mean, I don't blame them at all. I mean, he gets to a point where you're like this, this isn't worth it.

The insurance is I'll take my I'll take my chances. He'll still have the land. How much is the land worth?

That's got to be worth a couple hundred thousand.

Okay, So then I think I have an answer, except what about liability Brian, I have another question. Can I buy just liability? Can I buy.

Just just I just did this for somebody else that decided they wanted to self insure their house. They owned it out right, didn't want to insure it anymore, but wanted liability, and you can get comprehensive personal liability. I was able to find it. It was about eight hundred bucks a year, though, so.

That's just no key. Liability is important if somebody gets hurt on your land, or somebody gets hurt in your house or something. I know you think, well, I'm not gonna have anybody. You know, somebody could be hiking and say you had an attractive nuisance or I don't.

Know, Brian, No liability follows you too. It doesn't have to be on your land. It's not premise liability. This is personal liability. So if something happens away from the land, Let's say you had a dog and it bit somebody and while you're walking around, I mean any that's just an example, but anything like that would be personal liability.

What was the limit on that? For the eight hundred a year?

A million?

Wow, Keith, I think you found a solution.

Yeah, I'm sold. I'll give him a call.

Yep, okay three oh three nine nine six nine thousand. Three oh three nine nine six nine thousand. Right after this more coming up, go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation in comparison, call Compass in insurance paying too much your coverage at dozens of insurance companies. Find out now three O three seven to seven to one.

Help.

You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter. You have a question on furnace. Go ahead, Carlos, what's your question?

Hey, Hey Tom? How are you?

Hey? Good man? What's going on?

You know I've been told that it's time to replace our furnace. We've got a twenty year old Lennox in the house, and last time we had to check out, they found some cracks in the heat exchanger. I'm just wondering if you guys.

Well, if you truly have tracks in it. If you truly have cracks in it. Many people say that and lie, but b B, but you probably should replace it anyway, you'd save money on a twenty year old if you're going to be in the house a while. How big and how old is your house?

It's the original furnace from two thousand.

Okay, so your house was built in two thousand and three, correct, So it's pretty decently insulated. Yeah, then a high efficiency would save you a ton of money.

Yeah, that's that's kind of what we have in there now.

Well, the high efficiencies now are one hundred times better than they used to be.

Oh, I'm sure they are.

So what is your question? What is your question, Carlos?

And do any of your recommended places have any kind of screaming deals or anything like that?

Yeah, well, okay that they're all running certain deals, but you got to ask them now. I know Plumbline says if you buy it, they'll throw in that you'll get a free furnace if you install the AC part of it. Do you have AC?

Okay, do you have AC? C?

Yes, I do have AC and it's relatively new.

Then you don't need that, so that but you still okay, then fix It twenty four to seven is always running certain specials. But if you call and talk to them, tell them that Tom told me that you would. I'm serious. Now Tom told me today. Check with him that you would give me a very special deal because I called in. I have a twenty year old unit and I really need it. All right, then then call eight eight eight Heating dot com as well.

Okay, they're all.

Good people, Carlos. Would you do me a favor and let me know what you do?

Yeah, yeah, thank you.

I appreciate that. Thank you very much. Okay, and discount bat dot com. Remember discount bat dot com when they're not here seven to zero nine seven nine, twenty three, twenty two. Are you going to do any specials for today only or for today and tomorrow for the rest of the week. You want to do anything or not, It's up to you.

Yeah. I hadn't thought about what we could do.

Well, let's think of it right now. If they go to discount bat dot com they upload they mentioned the show, what can you do for them today and tomorrow? If they call in today at or go to.

The website free LVP floor in a hall bathroom if they do.

The shower Okay, So they do the shower conversion, they get a free floor. Ye, luxury vinyl planking.

Correct.

Oh, that's cool. People do the shower conversion nine eight eighty eight, you get the free floor. Okay. Discount bath dot com or seventy zero nine seven nine twenty three, twenty two. Pat Jolliffe with my company Wave eight Wealth Management, our question here is minimum to invest. We hear this a lot.

Pat.

It makes me nervous when people ask that because and by the way we are when it comes to investing, your money is with ours. Okay, so and we're not middlemen, and people want me to explain that, and I don't have a lot of time. But middlemen means we don't place your portfolio with other advisors and then make a fee in between, a middleman fee. So there's that's ninety eight percent of the model. When people say they're a financial advisor, they're not. They take your money and they

Six months worth of expenses?

Probably? Yeah? And then what else? Out of debt? High interest debt. If you have high interest debt, don't don't invest because that that's taken away from your return.

To pay off a fifteen percent credit card, it's the same thing as earning fifteen percent.

That's exactly right. So high interest debt get rid of, and then of course, have some emergency funds before you even think about it. I'm Tom Martino and you can reach us at three h three seven seveny one.

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