The Troubleshooter 3-19-24

Yeah, ripped of bad news indeed a by so you don't have the come run in just as fast as we can. Show Shooter's gonna help come. Man, This is the Troubleshooter Show. Now Tom Martine. Hey, I'm Tom Martino. Welcome to the show. Three oh three seven one three talk three oh three seven one three eight two five five. Welcome to the show. We're here to help you any way we can. This hour brought to you by waterpros dot net. The best water systems at the lowest prices bar

none. Get rid of the chemicals, the plastics, the pfas for right around one thousand dollars or more. You can do all of it well. Twelve hundred for pfas, fourteen hundred for triple filter reverse osmosis. Three oh three eight six two five five five four. Yeah, I'm I'm a bugaboo about good stuff. That's what I am. I'm a bugaboo. You need to call us now. By the way, a lot of people have gotten the message through next door and other social media that you can call three oh

three Martino and leave a message and we will get back to you. Three three sixty seven eight four sixty six and I have a special guest today that I've been dealing with fifteen years. First time. He's actually Mitch. I think this is the first time you're in the studio with us. I know we've had you on before, but Mitch Fleuria of the Art of Granite. Good morning time, man, it's so nice to talk to you. I

want to talk about Mitch and his company coming up right now. Greg, though, you know callers take priorities, so if you do have a question about any countertops, Mitch is one of these guys that doesn't mind talking about prices. Often wondered about that, Mitch, why do you give prices on the phone? I think because you figure, look why waste time? Right? And then you love your deals? Is that the bottom line? Putting that mic a little closer there, bro Yes, I won the customer to

know ahead of time what to expect. Yeah, I'd like for them to stop by the shore room and see all the samples and sinks and everything, but I want him to kind of know ahead of time, you know what prices generally are. I love Mitche's story, I absolutely love it. He is an immigrant from Romania, and we're all immigrants at one time and he came here about eighteen years, twenty years, twenty and one, almost twenty one years ago, three hundred bucks in his pocket. He'll tell his story

anyway, Greg, what's happening with taxes? What's going on? Hey? Tom, I have an employee who has has not file tax returns in decades and he received Now, why is he one of these protesters or what? No? No, No, he's just he's just just just okay, avoidant. Yeah, okay, yeah, it's not it's not a it's not as Yeah, he's not a sovereign nation or anything like that. He just you

know, hasn't and he's scared. And he's now gotten letter from the state of Colorado for tax years eighteen and nineteen that he's got to get to pay a fine. But how many years? How old is this guy? Oh, late forties, early fifties, and he's I don't think he's filed in the decades. So and so one question is what's the statute of limitations? How far back does he get? Hey, I'm going to you know what I'm going to do. I'm going to get you the best help in the

world on the phone, Great Larson tax relief. Do you know that's one of the things they do. They get people back in the system and try to make it so it's it's not that bad. You know. Here's the deal. You either use Larson tax relief and do it the wise way. But sometimes but I would never, in a case like this, try to

do it myself totally. That doesn't mean you have to hire Larson, but we need to get advice because the last thing you want to do is have the guy otherwise he has to show up at the IRIS with his toothbrush and an overnight bag because he ain't gone home. You know. It's a crime, by the way, and I'm glad that, But but what did the letter say that they want to know about his taxes? How did they catch wind to this? Do you know? Oh? I think you know he's

he's been you know, he's he's had small deductions with drawn. I think he's I think you know the forms that he filled out gave five dependents which he doesn't have, but trying to minimize his withhold. Okay, so so when you file at W nine and they don't have they don't have anything to match it up to. They're saying, what the hell's going on? Right? Right, And I think they're just making some assumptions. And so they've they've told him to pay you know, twelve hundred dollars, which includes one

thousand dollars of taxes if they've calculated, and some penalties. But I don't, you know, he needs to file those returns and actually get it, get it accurate, or he's just going to keep hearing and keep hearing. You know, they're going to does he have kids coming back? Does he have kids? No dependence? Is he married? Uh? He he cohabits,

he's not legally married. So the the the letter he just got from the Colorado Department of Revenue had to do with a certain tax years were they and they calculated and yeah, and they've made a calculation, and they're told him they're going to start garnishing his wages if he doesn't. How much they say, is do just twelve hundred twelve hundred? Yeah, I mean, he's not a high wage journer and he's not gonna have a lot of taxable

income anyway. But he's outside of the what's the statement right now? Is a five percent? I forget? Is it? Do we still have? Hang on? He is he around? He's around. I'm not gonna I'm gonna really have to hold his hand though, Like you know, if there's ye contact, hold his hand and I will hold his hand. CUF it to something quick, and I'm just going to make a phone call to the I R S and get my reward. Okay, there you go, Hey, Greg, seriously hang on. It will get some help for you to

answer some serious questions lars and tax relief. They're great people, so hold on. We'll try to get Michael or mister says Nick, one of our people over there. Dave your turn. I'm Tom Martino. Dave. What's going on? High are you doing? Tom? Hey man? What's going on? Hey? I co signed, but I'm an own on a car my daughter and I. Okay, when you say co signed, I just want people to know that's a very kind of that's a term that takes the

sting out, but in essence, you signed for that car. Yes, you're one of two, but you signed for the car with your daughter. Okay, So are you on the title or just on the loan registration car? Yeah, it's really important that if you're going to get on the loan that you also get on title and registration. So what happened? Okay, Cargan's coming to you. We got into a little fight here and the payments coming to you, and if you got to make the payment, I want

my car back. What rights do I have? Can I put? Okay? That's good question. Now the title is in both The title is in both of your names, right five? It paid off when it's get paid? Well, I know, But what I'm saying is it's both of you are on the loan. Both of you aren't titles. So the title comes to both of you, both names, right who finances it? I've got to refinance my credit union. It's with your credit union? Right now? Yes? Is she not making payments? It's coming out like tomorrow. I'm

gonna wait for the time. How do you know? Did she say, hey, Dad, I'm not going to make a payment now, are shooting? I got telephones in our name too, As she hadn't made the phone on the payment next five hundred dollars, I made it the last three times, so I'm wrecking getting ready. You can have that phone turned off, you know that if it's your account right now, as far as you have a feeling, she's not going to be able to make car payment that's going

to ruin your credit. You know that right right because her and her husband agreed it will both make the payment and they not keep backed out of it, so she can't hand it. Right now, you have as much right to that. You have as much right to that car as a registered owner as she does, which means if you know where it is and you have a key, you can go get it and hide it and then you can make you can make the payments. You're going to have a tough time selling

it because it's in her name too. I'm going to tell parents, I don't have that, that's my coin. To find it on the tracker. I put a tracker on it. Find it with that you can you can have a locksmith. You can have a locksmith get the car. Yeah, you just have to prove you own it. Do you have any documentation? Listen, Dave, do you have any documentation outside of the glove compartment to get into to show you on that car? I go to credit you and

I can good. That's what you do. Then you call a locksmith. If you find the car and steal it, and you're not stealing it, it's not a crime. It's your car, just like she can find it and take it back, and you play this cat and mouse game. It's terrible. Now, once you get the car, you can make the payment

and you won't give it back to her until she pays you. But that's not going to solve the problem about getting rid of the car, because you can't sell the car until right and I just go to court and at the judge to have the manned car back to me or no impossible, No, that's a civil matter. You'd have to sue her. But you don't have I'm venturing to guess you don't have a written agreement with your daughter. Oh I guess. See, these are the dangers in co signing for your kid.

Okay, because you don't have a written agreement and you don't have anything to help you. You just have the car. So I have sneaky ways. I can tell you how people have gotten ownership. You know, I'm going to tell you they're sneaky. I don't think they're underhanded. I just think they're sneaky. And I can share those with you coming up if you want to hang on. Otherwise, what you do is you have a right to get proof of ownership and snag the car and hide it until she pays

you. And then when she pays you, you may want to go to the bank and try to get that loan, get out of the loan, but you have to the bank has to approve it. Don't ever, you know, think you're getting off the loan just because she says you're off the loan three oh three seven one to three talk hold on, and I'm going to come back with a sneaky way to get out of that eight eight eight Heating dot com. Right now, they are doing incredible deals on plumbing inspections,

including sewers. And that's what you call a free plumbing inspection. You don't get better than that your entire system. Do it before the spring rains and everything else. Three oh three seven seven zero two seven seven six. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies

find out now three oh three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate man dot Com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here three oh three seven one three talk three o three seven one three eight two five five. All right, now here is

a secret. When you have a car that's titled with a friend, a neighbor, past girlfriend, past boyfriend, an ex, or a daughter or a son, and it's titled in both of your names and you want to get it, there are sneaky ways to do it. I'm just going to tell you about things that have worked in the past. I'm not telling you to do it. I'm only going to give you general, overall, general overall procedures, Dave. What people do is first they try to get possession

of the car. That's imperative. You do that and then hide it because if you're registered owner on the title, you have every right to take that car. If you're not, it gets icy, but you can take the car and hide it. No police officer can do anything because you can even tell your daughter I took the car. If they call the police and you have proof of ownership or half ownership or it's not even called half its ownership.

It's your car now. Then what you do this is crazy. You go to a garage, a repair shop that you know and trust, or someone I know and trust, and you have whatever deferred maintenance needs to be done on that car. How old is that car? Dave? Two years old? Tom? But Tom, I don't you understand. I got a tracker one hundred and twenty blucks. I can put it on her. But I talked to a cop. He told me she can gun around and have you rested for disturbance. First of all, if you disturb the piece,

you can be arrested for disturbing the piece. You can be arrested for domestic violence. If you push her out of the way and take the car, you can be arrested for stalking. I'm not you're not listening to me, Dave. I never suggested any of that. I suggest you go and get the car. That's it. You do it with a tracker, or do it anyway you want. The tracker is not going to get your ownership. The tracker is simply going to tell you where the car is. You're going

to confiscate the car. Now you want to get the title, your name. I'm telling you how to do it, so if you don't want to do it, don't do it. But there's two ways to do it. You can sue her for a dissolution of a partnership under Colorado law. If there's no if there's no written agreement for partnerships, and there's a partnership in an asset, you can use Colorado partnership laws and just use the law to sue her and get her off the title. That's one way, and you

go with an attorney. The second way is to get a garage you know and trust, get any deferred maintenance done that needs to be done, even a little extra stuff, and run up a bill of several hundred dollars. And when you run up that bill, you tell her to pay it, and if she doesn't pay it, then you get this garage owner that you know and love to foreclose on that car, and then you bail it out and turn it into your name. Now again, go off and discover what

you want to do and let us know. Three oh three seven to one three talks seven one three, eight two five five. There is no easy way to just take a car and a judge who's gonna rule that is your car. Okay, So two ways you sue. Second way you run up some bills and have the damn thing leaned to where she can't take it. I mean, but you got to work with someone you know and trust Greg on those taxes. Larson. No one at Larson is available kat China.

So a couple of them are on Spring Great vacation and Michael has not answered me back. Sorry, what we're gonna do? Then Mark? Greg is pending and we'll get Greg. Here's what I'm gonna do. I know Larson is the only answer for advice on this. Since your employee hasn't filed taxes in decades and he got a letter from the state. Here's what I want to tell you, though, from the Colorado Department of Revenue about taxes. Do What he should do is sit tight right now and get some representation.

Or it depends on how much he owes. If he opens up a big can of worms, he could end up in trouble. But one thing for sure, he's gonna need to address this. But before he does, I want to get him. It's not going to matter if he waits a few days. We need to get Larson on to give him some advice, and we're working on that. So we're going to put you. We're gonna take your information get back to you as soon as we can get Larson. Oh, work on that, Tom okay. Thank you very much. I appreciate

that. Diane. What's going on? Diane? Hi? Hi? Who are you? I'm doing good and you I need some help. Tom okay, And I'm you came to the right place, Diane. Oh, what a coincidence. I give out help for a living. I know you do. You're so awesome. You change lives every day. I listen to you. Thanks. Anyways, I'm hoping you have a resource for me. I have a ninety four Dodge Ram fifteen hundred four by four five point nine meters motor. Wow, I mean to say with me your I've been driving the

truck for twenty seven years. All of a sudden it did something weird. It will start, but it won't move, it won't go forward, it won't do anything. So I know this mechanic. He's not very well. He's kind of sickly, but he told me what part I need. It's called a throttle body and hold on. That doesn't hold on. That's not necessary. How did did he come out and look at it? He yes, he came out and did a bunch of tests and he changed. Okay, so he actually looked at it. It's not a It sounded like a

clutch or a transmission. Uh, first of all, this is automatic, I'm assuming. Yes, Okay, why did he think it wasn't like if you put it into gear when it's running. If you put it into gear, what happens. It barely goes one mile per hour. It will barely roll. If you put it into reverse, what happens? Same thing about the same thing. Yeah, right, hold on, Diane, just hold on. I got an idea for you. Kachina. I know you're working

hard. That's good. I want to see you work hard. Now we need to get guess who I'm going to give you one guess, Kevin Cloaking. No, I want to get Yeah, I want to get Jeff on this old truck, because Jeff loves old trucks and he knows a lot about him. Diane, we're going to get you some expert advice three three seven one three talks seven one three eight two five five. Mitch Fleer, we have a quick question for you. Sir, and the camera's on both of

us. So somebody texted and wanted to know if oh, I'm going to fix that, so just hold it and then during the break, I'll fix it. I'm sorry they came up. So so just here real quick. Is there a square footage that people can figure for various kinds of stone or does it come down to more than just square footage? It is configuration a

big deal. Can that add or subtract from square footage? So the slabs, both natural and engineering stone, are around fifty to sixty score feet, so you can, you know, fewer ten percent wasts if you have a smaller kitchen, let's slab. We'll cover that's idea. But you still have to buy the whole slab or not. It depends if you select the local supplier. Yes, if you find it in our yard, the only pay for what you have. Yes, But is it if you had to buy

a whole slab. Let's say, and do the kitchen how big? How big of a kitchen or what's when do you need more than a slab? Let's say maybe if the kitchen is over fourty score feet of countertop of countertops, and then you has some you know, angles where there's more waste, then we may need an additional slab. So do you charge for the slab or you charge wholesale for the slab? Yes, And but again it gets tricky. If the homeowners go to the local supplier, they only sell us

full slabs. Now, I get it. So now we're stuck with buying that additional piece. I get it. So when you buy a whole slab or a half slab, whatever you have to buy, then you add to the square footage the fabrication and installation. We charge the labor, which is

measuring. But what about the fabrication of that stone. Yes, so labor means oh okay, if you measure it, you fabricate it, you cut it poly sheet right, and then you come up with a final per square foot yes, yep, okay, And how do you do that on the phone? They just just a pretty quick formula for us. We've been doing it for so long. So I tell your phone prices. Are they pretty accurate when you actually go out to the house. Yes, they're pretty accurate.

Of course, the more information we get from the homeowner, you know, the more accurate the prices are. And then pictures help a lot. Sometimes we have questions, but if you just send us a picture, then we'll be able to tell you know what has to be done. You know Jaybred's pretty well, Yes, and you did his countertip. Yes, I love Jay and don't tell him no anyway. So he has on his site excelroofing dot com where you put in your address and it calculates the cost of

your roof based on the roofline and all of that. Now, I was curious, wouldn't it be cool if someone could take a photo or measurements of their countertops and the number of angles, and some kind of an app could calculate they put in the material they want and could roughly calculate the costs. Wouldn't that be cool? That would be cool? Yeah, well the roof is outside war no, no, I get it, and the satellite takes a picture of it. The artofgranted dot com. If you put an app

on your site, it would have to somehow. But there are all kinds of Now glide our stuff with your phone. You can do all kinds of things. I just can't help but believe that someday that might be available. Well, I think there's too many variations there's a lot of yeah and the backsplash and the end treatments, and it's best to call us, you know, talk to us, tell us what you need, you know, the type of Have you ever had anyone FaceTime? You no like when they call

you? Do you ever ask him to snap a few picks? Yes, that's that's generally what we want, all right. I guess we can do FaceTime, but no, I get what you're saying. The art of granted, by the way, his number, and you know he's always available when he's not here. Three h three three eight six fifty nine. As we have more coming red out go with a sure thing Denver's Best roofer Excel Roofing

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

one three talk three three seven one three eight two five five. Now Jeff ficked Kimera Transmissions Transmissions Denver dot com. Hey, Jeff, do you still have the website denvertrans dot com? I do you can sell that? Now? You know, I'm iget is just taking a whole new meaning from what from when I originally got it. No, you could though Denver trans dot com anyway, or den you don't have Denver tranny dot com, do you? No? No, that's too bad. So it'd be great for the

people who work in my your study. But you know what all joking aside Transmissions Denver dot com. Oh my god, I mean that's so wonderful. Anyway, Jeff is with Kimera Transmission Diane, let's talk to him. Now. Here's I'm just a little puzzled with Diane's problem on a nineteen ninety four Dodge Ram because she says one day she woke up and it started fine, but it doesn't move if she puts it into drive. She can't get more than one mile an hour out of it. Now, but here's what I

want to ask. I want to ask her a few more questions, and Diane, I forgot to ask you. When you go one mile an hour and you try to go faster and press on the gas, does the engine rev or do you stall? Or what happens like when you really does the engine rev up? But you still only go one mile an hour? No, it doesn't. I have my foot right to the floor. And not only that, it won't go you have That's why the guy. Okay, so you'll have your Even though you have your foot to the floor, the

engine is not revving. No it's not. You're just going a mile in one mile an hour. Yeah, it just stays like a mile an hour or less. It just barely creep. I get it. And then when you put it in reverse, the same thing. Okay, you see, Jeff, Now I understand why her expert told her she probably needs a throttle body. Does that make sense to you or does it sound like a transmission thing? No, it sounds more like it's in your performance a throttle body

or a throttle cable. Okay, So he wasn't right. It's not at all because I asked no, No, I understand, Diane. I just wanted to get Jeff, I don't know enough to tell you, and I wanted to make sure. So you're looking for a throttle body? Did he? Did he? Act? The mile is three hundred and eighty thousand. I've been driving it for twenty seven years. Wait a minute, Wait a minute, you have three hundred eighty thousand miles right close to close to three

ninety Yeah. Have you ever hold on? Have you ever done any major engine work? I have done a complete, very elaborate tune up, and I've taken care of it, oil change every ninety days, and you know, brand new tires and then just oh my god, And what about transmission? Have you ever had to do the transmission? I've done cleaning of the transmission. I go and you know, I take your excellent it's an excellent condition. Oh my god. No, no, Jeff, what do you

think about that alone? Three hundred eighty thousand. Isn't that wonderful? Oh yeah, proof of me. I love Dodge. That's why I love Dodge. Well, listen, I don't think Dodge is like that anymore. Well it's ninety four and it's still going for twenty seven. No, no, I mean the newer ones. I don't think the newer ones to hold up. Okay, well, this one I love this truck. So you want to know, so this mobile, this mechanic that came out and looked at

it sounds like a good guy. Did he know where to get one or I'm assuming it's he Did he know where to get a throttle body or just recommend it? Well? He yeah, he tried different places, but he said, we're coming back with prices in the three hundred dollars range. And he knows I'm on Social Security. I don't have that's kind of a pricey part for me. But I'm kind of stuck unless somebody helps me and gives me a discount or something. I'm stuck with the three hundred dollars to get

my truck running again. And now he will he install it? Is that was that with installation? Well, the man he's not well. He has cancer, so I don't want to put a strain on him. He's a genius. He's very smart. He from Germany, very very smart guy. He can take a part of Mercedes engine like a Swiss watch. But I don't. He's not feeling very good. His leg is bothering him and he's got this, you know, ongoing cancer. But he's a genius at diagnosing.

He told me exactly, this is what you need, a throttle body, and so I believe him. I do believe him. So is there anybody out there that can help me by giving me some kind of a discount on the park? Let's let's Jeff, how much do you think those throttle bodies on a ninety four? First of all, they're not new, They're they're all going to be user Jeff. Or do they rebuild them? Very yeah? I between the part and the labor, three hundred dollars is a

dream of a price. Well you think that's a really good price? And huh excellent cars? Now, Diane, Well, guy ordering on the internet, and I love than to order one on the internet. I'm afraid you know they could No, No, I understand that, Diane, Diane scar where do you live? Where's this? Uh? Where's this truck? Located? Live in briar Gate at Lexington and Woodman. I live in Briargate in Colorado Springs. Oh okay. Now, the mechanic that you know and love,

he's going to do this for three months. He won't do the work though, right, he won't do the work, is what you're saying. Well, if he's up to it. I mean his his condition of his health is intermittent. Sometimes he feels Okay, I'm gonna get it. I'm gonna get jesse on. Hold on, I want to get jesse on from honest, accurate auto. I want to ask a question, see if he can do us if listen, I don't want to put him on the spot, so I'll just pose it to him. See what happens. Jeff Vick.

As always, we appreciate it, sir, Thank you for your expert opinion at Denver trans excuse me Transmissions, Denver dot com. More coming up on the Troubleshooter Show three oh three seven to one three talk by the way, Genesis Total Exteriors would do all of your storm damage on one invoice. They do everything on the outside of your house. Genesis Total Exteriors dot Com.

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

Hi three oh three seven one three talk seven one three eight two five five. Welcome to the show, and we're getting experts for a couple of these questions we have right now, Diane. We're going to see what honest, accurate Auto has to say about you. Heyes, who's hang on about your overheating subarum will come to you after we get an expert on as well. Bill, you have a question about washing machines, Go ahead, Bill, Okay, I'll throw it out and then I'll listen, just kind of get

people's opinion. Top loader or front end loader. That's a good question. I have my personal preference. I have my personal preference. Let me tell you what it is. First. My personal preference is for a top loading washing machine. And there's a reason for that. The drums last longer because the gears aren't You don't have gravity working against the gears when they're sideways.

Now that doesn't mean it's appreciabily better, I mean that much better, but it is better, in my opinion, They also do a better job at balancing loads because the automatic balancers are level or horizontal as opposed to vertical, and it's hard to balance the load when you have it loaded vertically and it spins around like that. So I'm just And then also you have total evacuation of moisture or hardly any moisture on the collar and the seals on top,

whereas with a side loader there's a tendency to get mold or mildew. Uh you want me to keep going? Sure? I mean, I actually did the research on this for myself and I decided, when it comes to a washer, I want a top loader. I agree because I mean sometimes on washing stuff, I mean it's like the stuff barely gets wet. No, Well, nowadays they're made to be that they preserve water. But here's what I want to tell you. There's a few things you can do to help

that, and I'm telling you it'll amaze you. And a lot of people don't want to spend the money. But what you do is if you had a softened water by it like water pros, I'm telling you, softened water gets everything ten times cleaner, ten times faster, with ten times less water. Okay, well that's a that's another option. No, No, I mean it costs, right, I mean, it's more than just a washing machine. But what I'm saying is it'll help everything, dishes, laundry,

plumbing, toilets, flapper valves. Conditioned or softened water is the best thing you can do that the minerals screw everything up. Now, some people don't like that feeling of soft water. They don't like it. I like it, but I know why. I mean, I prefer hard water feeling for showers, but it's actually better to have the soft water. But anyway, I digress that the top loader will help you a lot. Okay, thanks a lot, all right? Man? That three oh three seven one three

talk seven one three eight two five five. Mitch flurious with us from the Artofgranite dot com. And we were talking about granite and how you price it and and uh, you know, the purchasing of slabs. I asked you what the most popular countertop material is and you said, quartz. Anymore, the engineer's stone, It's very popular. Now, quartz is not a natural slab, it's an engineer stone. So what is it? Is it made up of quartzite ground up. Yes, that's what it is made for.

And quartzite is a natural slab, right, Quartzite is a natural slab. And then if you grind up, if you grind up quartzite and bind it together with resins, that's what the quartz countertop is. Yes, the Engineer's stone. And then they add pigament colors and they have these speckle designs. I've seen the gray speckles, the white speckls. They're just now. They

make these really cool designs with a lot of movement and flow. And then they make the slabs book match or mirror match, where you know, we can really work those seams. If the islands or the island, if formiliar condutos are very long and they need to be seen, then we can do a really nice transition from a PI stone. I personally like the solid look. If I'm gonna get quartz, if I'm gonna get the swirls and stuff, I'll get granite. True, I don't know what's the difference between the

quartz with swirls and granite. What look are they both looking the same? About A lot of these engineer stone comes in very white or light colors. They look like marbles, but they're much more durable, So that's interesting. So quartz itself, is it more durable than granite? Quartz is a very very durable surface. Yes, and it's non pores, which is one of the main advantages. Ah, we got more coming up on that. All of your calls at three oh three, seven to one three Talk or three

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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. Yeah, ripped of bad news? You need advice so you don't have a Come running just as fast as we can show. Shooter's gonna help. Come.

This is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino here three O three seven one three talk three oh three seven one three eight two five five. What's on your mind today? How can we help you? I asked that every day for forty five years here in Denver. And I'll tell you one way you can help yourself. Frankdrand in the real Estate Man dot com for a free market valuation of your home. Frank will help

you price your home to what it will self war. He'll give you an idea based on his thirty years of experience, with no obligation, by the way, and he'll take into consideration the entire market, the comps, the neighborhood supplying demand, interest rates. Get your free valuation three h three nine two zero sixteen twenty two. Frankdarandon, the Realestate Man dot com. Speaking of real estate, we've heard a lot of noise on how the commission structure

is going to change things. All it really says the ruling I looked at it. All it really says is that commissions are negotiable, they can't be set by any trade group, and that it's not automatic that the sellers pay the co op. It's all it says, basically. And so in this law they're saying it could save consumers millions, Well, yeah it probably could, because up till now maybe consumers didn't have the nerve to try to negotiate

it it. It has always been negotiable always, there's no law against it. I mean, I think that's true. And in fact, somebody asks about that. So if Frank Duran, if you're listening, give us a caller a text. Havn't commissions always been negotiable? And if so, then why is this such a big deal? This? Ruly? Do you know? Mark? Do you know? Three out three seven one three talk seven one three eight two five A Mitch flurious with us from the art of granted

as well, will be talking to him right now. Let me go to the phones, and we have people waiting for our experts, and uh so, hang on and I'll get to you and heyesu's in a few minutes. I'll get you on with our expert about your overheating. Okay, what's going on with John and Exfinity? Hello? John? What's going on? Tom? I am exhausted. I'm getting so tired. Look, I'm eighty five.

I I don't understand. I don't understand the computings too much. But you could hang now, hold on, let me ask you a true question. You could have put your mind to it. Right. Well, Tom, I've got a bad hand and that that you know holds me back and that can happen. Yeah, well, unforeseen circumstances. Hey, listen, John, let's get right to your problem. How can we help you, sir? Well, I've been with that acceinity for over ten years, okay. I every time I try to call them one cent a great while,

they'll pick up the phone. Oh it's hard to get through. It really is hard to get through to couty. Well, hold on though, Tom. They turned the phone over from a voice transmission to that facts. So you call in, all you're getting is that chirp from that. I'm not sure you have the right number. But here's what I want to do, John, No, No, I do, Tom, I do? John? Tell me what. Let's talk about the problem. Okay, what's going on? Well, they raised my rates again, Tom, I'm blind.

I get that cable for one thing, to listen to the news or something like that. Okay, So I'm going to help you here. Let me let me let me dissect this. Well, how much of money is that? What you're calling about? The increase in price? No, I'm calling as to why a billion dollar company that goes into your account every month and you can't call them to. In my case, I'm going to quit.

But you can't get anybody except that chure from the fact number. But here's okay, may I ask another John, Let me ask you another question. Please. I think you'll be pleased with some of the information we have. But I need to ask when you say you can't get through, that's what I'm asking. What are you trying to get through for? Tell me what is on your mind about? You say you want to call that about what what do you want to call them about? Oh, you want to cancel?

Well, I want to cancel or find out what this latest price increase is about. But I'm just fed up with it. I just got basically cable and I'm paying two hundred a month now. And here's what you need here? Okay, John? You you have basic cable paying over two hundred a month. And do you have and you don't need the broadband for your computer or anything like that? Right? Well? I do need the computers. I don't use it very often. But what do you use it for?

When you do use it? Well, when my daughter sends over something you know? And then so you have you do have Wi Fi in your home? Right? Yeah? Okay? And the Wi Fi along with the computer excuse me, along with the cable. It's costing you more than two hundred. What are you going to put in its place? I'm going shopping. I'm going to try to find a provider that isn't so expensive. Well, if you knew a little more about how to use a smart TV. What kind of TV do you have? Well, it isn't too old.

It's about six years old. That's ancient by today's standards. What kind of TV is it? It's uh Samsung? Is it an LED? Yeah? And does it have a smart hub on it where you can select Netflix or something like that if you wanted to, Yeah, it's got that. I never go to it because it's too complicated. What do you normally watch? Just the main channels? Well, Tim, i'd listen, is what I do. So I stare at the TV because the noise is coming from there.

But you know, what do you mean what do you mainly listen to? Uh? Well, news shows? That's okay, I making all right? See. I wish I wish you were a little more tech savvy because you can get broadband for a few bucks a month and have apps for any news you want or any entertainment do you watch? Do you watch or listen to any entertainment? Well, yeah, there's something special. You know. You like the basketball playoff? Okay, I like to I like to hear,

you know, at least the end of the game. So basic cable has served you. Have you ever thought about just doing off the air signals and just buying buying just to listen to this, just the broadband for your computer and then forget any programming and you simply do off the air with a digital antenna. Have you ever thought of that? Yeah? I have. Now you won't get you won't get Fox and CNN and MSNBC and all of those, but you will we'll get the local channels and that kind of Would

that be satisfactory or not? Yeah, that would do it for me. Maybe you ought to consider that it's a digital antenna and then you just quit your Comcast and get like a century Link broadband for your computer. They can come and put the motive in and hook up your computer. I mean, this is what I think you need if you want to save a ton of money. Yeah, well, I think now you're saying you can't get through

to Comcast to make that change. If you wanted to quit. And I think there's something illegal about that time when we as you as a provider, you have to provide a phone number. Well, that's not really true, John, listen, the world has changed completely. Do you have online access to your Exfinity account a lot? Do you have a username and a password? No? You mentioned your daughter? Did you say your daughter comes over? Well, no, she's in Maryland. Oh okay, where are you

located. I don't think streaming is a great idea for him. I'm not talking about streaming, Mark, not at all. What I'm talking about is hold on, I'm talking about broadband through Sentrylink and I'm talking about over the air with a digital antenna. Yeah, well, Tom, that solves my problem. You know, I want to get to it and Centrylink, if just for a broadband, just for your computer. You say you want your broadband. Do you have a cell phone? Yeah? You can't get along

without them. But I only have the one cell phone. I mean, okay, is that what you're on right now? Who is your provider of that cell phone? Um? It's a Walmart one. Oh is it a prepaid? No, it's a it's a monthly thing. But I was gonna switch over to consumer cellular. Okay, that's not a bad idea, so listen. Yeah, here's what I'm thinking, John, We need to get someone to help you. But what part of town are you in in the great city of Manitou Spring? Oh my god? Why do you have to

be out in nowhere? God? Okay, it's the greatest little town, and no, it is. It's a cute town. It is. Listen, John, Do you have any anybody out there that comes and visits you that you know? Any friends that are tech savvy? Well, I have a caregiver that comes. Does your caregiver know anything about hooking up an antenna to the TV and helping you with channels at all? Oh? Well, I got one of those guys that just stoods up the street from me. Is he a friend of yours? Yeah? Do you have his name and

number in my phone? I do. Okay, here's what I'm asking. Can you ask him if he'll talk to us, and we can explain to him how to transition you, and then he can help you get a username and password you go online and cancel Exfinity and I can explain this to him. Then what you do is call I don't know if Century Link is available up there. I don't know what's available in Manitud Springs as far as broadband, but you could also get Exfinity broadband. Just the broadband, forget the

TV and all of that other crap. What you want to do is reduce your costs and do over the air. And again in Manitou Springs. I'm not even sure Mark if over the air is going to work. I don't even know that now now that I'm thinking about it. Your local channels would be Colorado Springs, Is that right? John? Correct? Do people use antenna's in your neighborhood at all? Well, Tom, it seems that most

people all are on cable. Yeah, you're right. Oh god, I don't know what the answer is. That's why I need to talk to someone who knows the lay of the land. This friend of yours. How old is this friend of yours? Well, he's about fifty goodies at work. No, I don't mean now, but he's a friend of yours though that you can he helps you now and then with stuff. Yeah, all right, I want to talk to him and just see they get They get like

nothing, man, they get PBS over the air. Okay, and something else I've never heard of called create I mean, and they're extremely weak, so I doubt it even gets those he gets, John, I was thinking you were in an area that could use an antenna, but Mark just looked it up and we can't. You can't get anything with an antenna, you know, really, Infinity might be the only game in town for you. It might be, and maybe you can get a smaller package. I don't

know, maybe you can. So that's where I need to talk to your friend or you know, get online access for your account and then make some choices. You know, Mark and I could log on for you even, but we'd have to get some information. Have you ever been online with your account with with my email? I do? Okay? Do you have a Comcast email or an Do you have a Comcast email? Who? What's the last part of your email? It's what dot com? At what dot com?

Hotmail? Hot? Okay? So okay, never mind, listen, John, If you have an Infinity account, why don't you do this? Do us a favor off the air and send it to us Kelly. He'll tell you how. I want your name, I want your address, I want your account. You can trust me by the way, I'm not going to do anything. I want your account number and then you know, yeah, you do that off the air. What we'll do is create a log in for you and then Mark will go in and look at your account.

He's excellent at doing this. He helps me out all the time with some of the other stuff on picking the best deals. Let's just have him analyze your account or I can do it. Hold on three oh three seven to one three talk seven one three eight 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. 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 all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martine here three O three seven one three talks seven one three eight two five five. We have Kevin Colkin. Now we shared an autotech

so we can take heyesus and his overheating twenty eighteen Subaru cross track. What an apropone name for Subaru crosstrack? What's going on? Hey, SEUs, tell us about the overheating problem? Tom. First of all, I want to say, long time lessener, first time caller, broad law law. Well, the forty five years you've been in radio, homie, I've been lessening lesson. Thank you, man, thank you, thank you. So

what's happened with it? How long have you had this Subaru? By the way, Okay, it's the twenty eighteen border brand new the the matter of fact, yeah, I don't even know how to start it though, because I'm nervous right now. This, Like I said, first time caller, Hey, here's here's let's go right to how about this? We'll go right to the problem. When did it start overheating? Okay? It was last year? Like around she said, like around October November? Okay, in

November when it was overheating. Yeah, and I took it to the Uh did it happen all of a sudden? In other words, you're driving and you notice it overheating all of a sudden. Yep, all of a sudden. It was just overheating. Okay, and what how did you know it was overheating? Did you see smoke and steam or was it on your gages? Yep? Yep, No it's not. It was not on the gauges. It was just right on the hood. Was it boiling over? Was the radio are boiling over? Yep? Yep? Everything okay, So what

happened then? So I had his own fluid on it, and I drove it the next day to the mechanic that I went for many years being a lawyer customers. Yeah, yeah, yeah, many years. Okay, not saying their name yet. But I took it over and they looked at and they said it was a blown head gasket. So okay, Kevin, can a blown head gasket make a car overheat? Well, the blown head gasket as a result of the overheating, That's what I was thinking. Yep,

exactly, So it didn't. It didn't necessarily cause the overheating. No, No, probably a blown hose or something caused it overheat anyway. So Sojesus, what they said was, no matter what they said, you needed a head gasket, is that right? Yeah? It wasn't a head gasket though, Yeah, they needed I needed a head gas. Did you have that done? Yeah, it was done. It was still on the warranty. Okay, it was still on the warranty. Now about let's say close to

no November. Wait a minute, when you had the head gasket replaced last fall? Did it stop the overheating? Stop the overheating though, Tom, but something else came in. There was no heat in the car at all. And that's when we had the freezing temperatures. How much did you get charged for that head gasket, by the way, three close to five thousand, six thousand. That's way too much. Wait a minute, and all they did was a head gasket. They probably sent the They probably sent it

out to a machine shop. Was the head warped? Whatever they did, they said, it's fixed already. Okay, but I want to know this. They probably marks right with the machine shop, and it was probably a little warped, right, Kevin. And it sounds like machine work. But here's what I want to know. That in and of itself would not have solved your overheating problem. Did they do anything else? I know they didn't do anything else though the heater never kicked in. I get it. What

do you think? What do you, Kevin, what do you think happened if after they did this major work? He had no, Well, the first thing I would look for is an air pocket possibly or low cou It's a thermostat with a thermostat, that's sure that should have been changed as part of that job. Any overheating to that severity. Ye had a new thermis they did, sorry, Kevin, interrected. They did all the changes of the thermostat. That's why see, that's why you What happened was the head

was warped, the gasket was blown due to the overheating. They probably did the right thing in changing all that out putting in a new head gasket. But then they really did fix the overheating. Now you were about to tell us what happened after that? Go ahead. After that, I was going to work and the heater kept on going on and off, on and off when when it was really COVID night because I worked the great yard shift at

the warehouse. Okay, So what did they say about it? And I took it back the next day I said, I'm like, dude, there's something going on though my heated is not working. Though? Did the shop fix it? The shop kept them doing dynostic kind of tom they kept them doing dynastic, They kept them doing dynastic, dynastic again, the dynastic again. They are you saying they could not find them? Are you saying they

could not find the problems? They couldn't find the problem at all. But then after couple close to a week to two weeks, they finally found something. They said that the two shilling the head boy cracked. I said, can you check to see wait a minute, if it is if it was caused by the head gasket, because I'm stealing the warranty, And I asked the shop, wait a minute, wait a minute, warranty. But David, wait a minute. If if you had cracked heads, now, that

could have come from the overheating as well, right Kevin or not? Absolutely? Yeah? And if they send it to me, I don't think they're repair. I don't think their repair cracked your head man? Are you if you're trying to get them to cracks? What's that much? The cracks before they did the head gasket. Because we always send the heads out, we call it checked and deck, where the machine shop will pressure check the heads, verify there's no cracks. Then resurface, then we put them on.

It's an extra one hundred bucks, so they should have want in the cracks before they put it back together. Well, here's what I want to know. Are just basically bottom line, hey, Susan, and then we'll come back to you. Is the shop saying they did not crack ahead and they knew nothing about it and it cracked after? What are they saying? What? What? What? What? I'm the car is now in another shop though, Okay, here's what I want to know. Here's what I'm hey,

sus please answer this. I did the first shop give an opinion as to why your heads are cracked? They said it was due probably They said it was probably due Uh god, I don't even know how to answer that though, but they said that. I just kept on telling me, can you look at the head gass. Here's what I'm going to ask you. Did they say they would fix it because they it's under warranty and they did something wrong or or did yes or no? Why wouldn't they fix it under

warranty? They didn't, though, sir, believe it? Or why they didn't? Why I have I have no idea? They didn't give me so Tasus and you took it. Wait, casus, you took it in there because it was the heat was not working. They said, oh, by the way, we found a couple cracks in the heads. That's what they said. Right. Yeah. Then you said, but it's still under warranty in so many words, Then what did they say? They said that it's gonna cost money and everything. I'm like, dude, it's doing the warranty.

What are you talking about? That's right? Well, what did they finally say? You took it to another shop? Did they say, we are not going to fix it. No, the second shop had to take everything apart. And why did you take it to a second shop because they didn't do anything on the first shop. Did they tell you why they did not want to fix it. They didn't tell me why, though, sir. They just okay, they had to have told you something. At some point, you moved your car. At some point I got a flyer.

At that date, I got a flyer in my mail. I went to the mailbox, got a flyer and found another car shop. All right, Well, so you were sick and tired. What you were sick and tired of them just sitting on your car? Right? It was just sitting there, okay, And when you went to get it, did they say anything to you when you went to get it to take it to another shop? Nope, they didn't say nothing. All right, hold on, this is incredible to me that you did not have any communication with a shop. By

the way, I don't think they did it to you. I think, as Kevin said, they should have found it. I don't know what we do with this right now. Let's let's see what the second shop found. Right after this. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven

seven to one Help. You'll think you're his only customer 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. Time you're troubleshooter three oh three seven to one three talk seven one three eight two five five. Kevin, I want to talk to you Hey, Sus. By the way, we're we are trying to help you here, man. But I think the problem is when your car's over heating. I think that's when the cracks happened.

So the question is, call Kevin. I nothing they could have done with that head gasket. I think what if they overtorqued the head or something. I don't know. No, no, they just missed it. And that happens. But what they need to do is step up and make it right. If they do that. Though, if they missed it, should they redo it. It's happened to us before we redo it and asked the customer to pay for the head. Okay, So Deputy Dollar, Deputy Dollar,

here's what you do. We call for Jesus. We call over to the first shop. Oh well, first, let me talk to Hayesus about the second shop. Hayesus, before we go there. What did the second shop say? Okay? When I told him that that kept on overheating, they had to put it up in the lift and look at it. And the technician found Okay, found orange exhaust silicon on every mating surface that is required to remove during the celinder head. The whole entire engine Will Cobb with our

TV. What does that mean, Kevin? Nothing? Really, it's just nothing. It means sloppy, that's all it means. Jesus, Hayesus, you're looking for a smoking gun. I don't think you're gonna find one. The bottom line is this, you had your heads repaired, and they did an incomplete job because they did not find the cracks. The time to repair those cracks would have been when the head is off. Can they be repaired on that aluminum engine? Some can? Some can? I always replace them.

So here's the Thingjesus, they had you spend like six grand on bad heads. Stupid, stupid, And I think Jesus I got good news for you. I think if Deputy Dollar can't convince them to fix those heads, you'll win in small claims court every penny you put into it, because all you have to do is get an expert to say that there's no way those cracks happen after the head gasket. Yeah, he's just he's probably gonna end up paying for the head though, Yes, that's right anyway, Yeah he

would have. So what Kevin, if he gets his six grand back, what's the new head gonna cost him? You? Know. I'm not sure exactly what motor everything's in there, but he's right in that six head yea. So hey, sus, you're gonna be trading dollars. You're gonna go after the first shop for damages. What's the name of the first shop? Can I say it over the radio? Yes, you can say it as long as it's true. What's the name of the first shop? Service Street?

Service Street? Okay, well, we don't get a lot of complaints about Service Street. Maybe they'll do something. What's the second shop? The second shop where the car is right now, it's called Fine Tune Oto. How'd you find them through a flyer that I got in the nail? Do they say you need a new head? Tom? If somebody comes over here and look at it, you're gonna see the whole entire engine cover with our TV. Listen, bro, I want to tell you something. You're not

going to get a new engine. I'm sorry, guys, I'm missing something. How many hold on? How many miles on this engine? That's too something two hundred and not even closer to three thousand? Yeah, Oh my Jesus, Oh my god. I should have asked that up front. Kevin has got over two hundred thousand miles on it. Yeah, I would have recommended an engine, not heads at that time, not even a head gas getting not even. What you need to do is get your money back from

the first shop in small claims court. If Deputy Dollar can't do it, and then what you need to do is just replace the engine or jump the car. In fact, if you get six ran, that's what the car is probably worth. Mark, What were you going to say? Well, if the second shop just totally tore it apart, I don't. I think the whole thing sucks. I'll just leave it at that, Haysus. Did the second shop tear it apart? They have to, though, to look at what was going on? All right, you're buried in this casus.

You understand that, right, you're buried. What do you owe the second shops a bill right now for three four and thirty two thousand and maybe three cents per taking the whole entire thing system? Wowjasus, Haysus, you can't expect to get reimbursed for all of this because you're dumb. I'm sorry,

Haesus, but you did the wrong thing. You invested too much money at this point to have that shop do three thousand dollars in just diagnostics is ridiculous when it's gonna cost you another six or seven thousand to get a fix that alone is gonna be ten grand on a car that's not worth it. The best we can do for you, the very best, is have Deputy Dollar call the first shop and see if they will give you a refund. And

if not, you're screwed. You're absolutely positively screwed. I don't you know, you're You can take them to small claims court for that repair cost. But man, that car you should walk away from, literally walk away from it. I would try to get my six grand back. Deputy Dollar, let's call and see what the hell we can do with this. This is sad. I'm Tom 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 checkup, free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three, seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two half Tom Martine your troubleshooter three oh three seven one three talk seven one three eight two five

five all right, Ron, you had a roofing issue from yesterday. Let me look up your call here. Okay. You replace your roof twelve to fifteen years ago with lightweight concrete tile. You don't like it and you want to replace it. I told you you should go on Excelroofing dot com, put in your information and get a price for a replacement. Again, it would be better if you could do it under insurance, but sometimes that's not possible. What's what? You have anything new to report or did you want

more information? I just I was trying to find out if there is any chance of relief from insurance companies. We have a roof leak, that's a tree. No, you don't. The only time you'll get insurance coverage on that is if you track it to a comprehensive event, a casual loss I mean like a storm or an event a leak. They're not going to cover They're going to cover damage caused by perils named in your policy. It's not a guarantee or a warranty. You could pray for a hailstorm and then have

it replaced with other roofing, or just fix the roof you have. But as you say, that lightweight tile is no longer in production, so you'd have to get a company that can source used tile. How did it crack? How did those tiles crack? I don't know. I mean that part of the roof I haven't been on. When did it start leaking into your house? It's been a year ago. Oh god, if you look, let me just ask you this, if if you look at your roof,

what percentage is cracked? I really don't know for sure. I would guess it's no ten percent or something. I don't know for sure. Yeah, all right, hold on, 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

O three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zeros sixteen twenty two. Yeah, rid of bad news, indeed advice, So you don't have come. Run in just as fast as we can. Shooter's gonna help coming man. This is the Troubleshooter Show. Now, Tom Martino, Hi, Tom Martino, You're Troubleshooter. Three oh three seven one three talk three oh three seven one

three eight two five five. Welcome to the show. Uh. We have Mitch Fluria with us from the Art of Granite dot and we love having him here. We had some questions about countertops and stuff, and he has some incentives going on right now we're gonna talk about coming up. But if you have any questions on countertops of any kind. It's spring a busy time, Mitch. Is that when a lot of people get countertop it's getting busier? Yes? Or on the springtime is that when people want to renew and stuff,

and in the summer right before school starts, right? Is that or not? Sometimes? You know, summertime people will leave take their education time for a couple of weeks. So we sold down the little bit, but then it takes up again. They want to do stuff before the holidays, right, yes, yeah, Ron, Thanksgiving, it's very busy. So Ron had a roofing issue. He he wants to uh replace this roof and I want to get Jay Bretts on. I think that would be best.

But Ron, right now though, if you only have normal wear and tear, your insurance is not going to help you. Uh huh did you go Did you go to excel roofing dot com and put in your roof? I want to Excel, but I haven't gotten. Do me a favor. Off the air. Get off the air. Give Kachina calorie here our producer. Give Kachina your address. She's going to put it under notes. I'm not going to share it with everyone. I'm going to go on Excel roofing and

put in the data to see what it comes up with. What kind of roof would you want? Let's ask that fastball and what okay? And what kind of pitch do you have? Is it steep medium or almost? You know? Level all? Medium? Okay? Hold on, Kaschina get his address. I want to put I really want to play with this excelroofing dot Com I absolutely love it, and I just want to show people how easy it is to get a bit on this. I'm going to go down where we put in the addresses. Where the heck is it? Come on?

Oh? There it is there it is how much my roof cost? So where do I hit that? Jay? I should know? Oh, there it is there it is. I got it. So I want to put in his addresses, So Kachina fill that out for me, and then back to Mitch for the question for text. Oh oh, I'm sorry. Jay has a comment on the subaru issue. Jay, what's going on? This guy had over two hundred thousand miles on his Subaru. It started overheating, It cracked his head and blew his head gasket. They did his head gasket

without fixing the cracks or without recommending a new engine. He spent six grand on a car that's not worth it. Now he's faced with another three grand because another shop tore it down to look at it. I can't believe he buried himself like this. What's your comment? Oh he's pretty verry, who's what icking? I don't think they ever put a head gasket on it. I think what they did is their schlocks. And they tried to fix it

with our TV silicone. Oh wait a minute, maybe that's it. Maybe that's the point he was trying to make that all they did was put exterior silicone on it to get him out the door. Now follow this. If it's your original Subaru head gasket, he's in coirk and he's doing them because they're different now. They don't use the same gasket they did when they built that bank. So is that original head gaskets on that more he owns them?

Okay, I hope, I hope he's listening. Hey, sus this guy Jay is saying, and now we know why you were talking about our TV and maybe that's what they used instead of a gasket. You need to get this evidence from the second shop and maybe we get you not only the sixth grand, but seventy five hundred because you're gonna claim you had damages tearing that down to prove it. Jay, Thank you, so thank you so

much. We appreciate that. Do you have something else I do? Subar Us are famous for losing a gasket, then overheating, then cracking your head in that order. My gosh, you know what, that's what they do and lots of you are lots of them. You are the man. I mean, thank you so much because that is that is something that is a good idea. Now, thank you. Three oh three, seven to one to three, seven to eight, five five, Louise, what's going on with you, Louise? Say Tom So thank you for taking my call,

Sir. I was calling to get some advice on how to proceed my My wife had a thanks God, a small car accident this morning where another vehicle run a red light and hit her and her car. Nobody got hurt, just some. Did they get a ticket? No, well, I don't know. I was not in in in the place where this happened. She did not get a ticket, she doesn't. Yeah, but does she know. Did the police show up? Yes, yes, and we got a police report number. Did the police report say that it was the other person's

fault? Well, here's the deal. They don't give a report right away. Now, they give a card with the report number. Did she get the other person's all the other person's information or did she leave that up to the police. Yeah, she left everything up to the police. Okay, so right now she doesn't have any kind of idea. No. The only thing she said is that the older lady admitted it right away that she ran the red light. Now I try to going to you gotta get that,

bro, You got to get that police report. Well, here's the deal. They give you a a case number and you have to log in. But it says on that card she got that the police report won't be available until between five to seven days. Well, there's nothing you can do about it. See, she could have gotten all that information on her own. She should have gotten it on the spot. She should have taken pictures and all that. But here's the thing. You gotta wait for the police report.

Now I want to know something, and I want an honest, honest You'll be honest, Luise, I can I can feel it. Does your wife have any pain? No? No, she was her and her mom on that car and she did. They didn't get hurt at all, not at all. Where was it hit and was it fast or slow? I'm gonna say, what's probably thirty five forty miles an hour? Where did it hit her car? It was on the front driver fender, basically took off that half of that fender, the headlight, and half of the bumper.

Did it spin her around the airbags. Come on, No, no, they did not. Okay, Well, here's all I'm telling you. I promise you. I'm not trying to drum up lawsuits or business. But make sure you monitor how old is how old is your mother in law? She's sixty four, Okay, make sure you monitor your wife, monitors herself and her mom to see that no pains or aches or whiplash develops. Okay. I'm not saying it will, but sometimes it doesn't. It doesn't occur to

you, right. I've known people who have who had pain on set a few days later and it was excruciating. So that's all I'm asking Yet, make sure of that, okay, And then here's what I want you to do though on that call us when you get that, please report if you have any trouble whatsoever. We need to work on this now. Ron put his address up for me to see, and I went to excelroofing dot com and I put in his address. I said he had a medium pitch.

I can see the roof, and he gave me prices depending on what you want. Now are you there? Yes? Okay, for a straight asphalt roof, it's around twenty grand for Owen's and that's for true definition. It's a limited lifetime warranty with standard ten. Well anyway, it's just sure it's really a good roof. The next bet then you have one a little more around twenty one thousand for a asphalt shingle, which is Owen's corning duration is

called. Then you have the FLEX which is hail resistant technology, for around twenty four thousand, and that's about it. Those are the options you were given. Is that what you were expecting. It's better than some of the estimates I've gotten. That's why you should go online and do it again. And I just did it. You'll get the same exact results. I put down medium pitch and then they give you the recommended products. You can see more products for example. Let's see more. For example, if you want

the Certaintyed Presidential Shake, which is advanced resistant impact. It looks like shakes. It's a thick asphalt, you're gonna pay around forty grand. If you want a Decora shake, which is metal and it has as it has used me. It's a resistant, low maintenance, lifetime warranty limit to lifetime warranty with granules on. It's a beautiful stone roof excuse me. It looks like kind of like a stone or slate, but it's metal. That's gonna be

about fifty six thousand. If you want what's called the f Wave, which is a fifty year limited warranty blah blah blah, five year hell coverage, totally five to fifteen algae resistant slate, look synthetic. It's around fifty six fifty seven thousand, that's what I got. You got that one Da Vinci, which is a synthetic and this is ultra authentic seed appearance and impact resistance. Again, this is gonna be this is the top of the line, which I no, No, it's the same price as March Roof around fifty

six to fifty eight. So those are your choices. You can see them. Pretty cool stuff and that is from excelroofing dot com. Okay, so go on there, put your address in. You will love it. You won't find better people, so don't worry about that. Do you have any other questions? So there's just no chance of any insurance coverage at all. Did you have a hailstorm recently? Uh? Not recently? No? Okay, then did you have wind anything? It's not going to just cover your

roof because it's old. How old is your roof? It was about twenty two. Yeah, Ron, I don't think you're I do wonder how it broke though. I'm pretty curious how a light set it. Doesn't it crack from people walking on it? Ron, Yeah, but as far as I know, in that one area where we have a leak into the into the house, I don't know of anybody that's been on that roof. Okay. Ron Insurance doesn't cover magical cracks either. Yeah, it does. It doesn't

cover leaks. It doesn't cover damage. It only covers storm. It covers anything that's apparel. Something falls out of the sky, a tree hits the roof, even a vandals got to your roof. Even if you went to bed one night and some vandals destroyed your roof with hammers and they didn't like you, and they wrote, they spray painted on the roof, you're a jerk. And you only pay them. You pay them twenty five. If you pay them one thousand, two thousand dollars, then you get a roof

from insurance. I'm just kidding. I would never do that, Honest to God, I wouldn't. I'm just kidding. Okay, that's a little stupid. I don't have anyway. Okay, so Ron, really and truly, I don't see any insurance coverage. You know. I've had people in your situation have a roof inspection from a qualified roofer like Jays, and they'll tell you the truth. But people get mad at Jay sometimes when his inspectors go out and they say, yes, ma'am you need a new roof, Yes,

sir, you need a new roof. But guess what, we don't see any storm damage. They get mad. No one feels like they should pay for a roof, Mark, have you ever paid for a roof? Uh? I never did. I don't think so. Actually, never did. Never did. Now what I have done is I've had j make repairs. Before I move into a house. I always have him inspect the roof system, soffits, facia Mark. One time we moved into a house and this was years ago. My god, was this house? You would think

you look at it, whoa. But you know what they did. The vents were all fake. They went and put grills on the softs and they were not really vented. That's crazy. Well, it's saved money and labor. They just literally nailed up these vents and Jay found it his Tom. You see all those vents on this giant you know, softt over here this length, none of them are cut. And then the other vents on the roof were not done. They were all fake. They put up fake vents,

so there was no circulation in that roof whatsoever. And it's just amazing what you find how people do shortcuts. We got more coming up on Tom Martino by the way. Three oh three seven one three talk seven one three eight two five five Denver Regen dot com. I want to tell you, yes, they're doing the compounded weight loss drug for two fifty a month, but they're also still doing stem cell therapy to get your painful joints out of pain. Denver Regen dot com. Go with a sure thing Denver's best rufer

Excel Roofing dot com. You don't pay a cent until you're contents. Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies. Find out now three oh three, seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot Com to list your home with Remax

Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three oh three seven to one three talk seven one three eight two five five. James has an issue with a contractor. James, what's going on with you? James? Oh, we got a contractor that is trying to walk away with sixteen thousand dollars. It won't contact me or come over and finish the work that he has been paid for. And I heard about you today and thought I'd give you a call. All right, man,

I'm glad that you did. Let's talk about it. Okay. Name of the contractor, Colorado Springs Construction l L. Speed And what were they going to do for you? Well, for Christmas, I gave my life a total kitchen reod. They came in and started on that. They and when did you hire them? In December? January? In January for a Christmas present? Yes, they started January eighth. They tore out the old kitchen and they looked like they were doing pretty good on putting the new kitchen in.

Did you put how much have you paid them? So far. Oh gosh, they probably close to thirty grand. And how much is the whole job supposed to be? Well, the bid was for fifteen We went to twenty two thousand, which twenty five was Wait a minute, wait a minute, you paid didn't you just say you paid them thirty so far? Yeah,

I'm getting there. We decided to have them do more work for us while they were here doing work and carrying the house up, So we had them do the living room floor and the family room floor at the same time, which none of it was completed. None of it was completed. And yes, we made the mistake of paying them in full before it was completed. No, wait a minute, what do you mean in full? So

every right, now, you don't owe them a dime? No, now, is that according to contract if you add everything up, that thirty grand was paid in full. Yes, and the company acknowledges it. They're not saying you owe them money? Right? No? Okay? Or do they think if we call them, do they think that they're done with this job and did a great job? Yes? I have text to that effect. He said, he's done everything he's been paid for, and he thinks he's gone above and beyond for us. Not true. Okay. Now, in

the process of all this, he also runs a roofing company. We need a roof. We agreed initially that we were going to have him do the roof. In the process of the mess that the kitchen became, we told him, we're not going to use you for the roof. This was the day after my life. Gave him sixteen thousand dollars. Now, hold on Dawn for the roof, the roof, So wait a minute, in addition to the thirty for the kitchenry model and other things. In addition to that,

you're telling me you paid them another sixteen for the roof. Yes, the bid for the roof was thirty I believe thirty one thousand. Now that's for the roof and painting the entire outside of the house. But he did you paid up rid of hold on man, you paid upfront for all of that in addition to the thirty So you paid him about forty six grand. Yes, why would you after you had him do the remodeling for about thirty grand and you didn't like it, why would you hire him and pay him

an additional sixteen grand. We agreed to do the roof use his company for the roof. Before we got to the point where it was like, we're done with these people. We want him out of the house. My wife had already paid half down for the roof, for the permits and materials. Okay, So he never did any of the roof, no exterior work at

all. None. And like I said, we reached a point. We kind of kept giving him chances on the inside of the house, but the way that went, we reached a point where it was like, okay, okay, so right now, let's calculate this hold on James. You're in way too deep. So far okay, so far. You paid ahead of time, so the guy has no incentive to do anything, does he if you wanted him to finish, would he do the roof as agreed to?

I don't know, but I would not have him back on time. I'm asking you why he is not doing the sixteen thousand dollars worth of roofwork. Is it because he refuses or you refuse, or is he planning to do it? No, he is not planning to do it, and we refuse to have him do it, and we wanted our money. So no one is talking. You know this always amazes me when people say, no, he's not refusing. I'm not refusing. I'm not saying he. I mean. What I'm saying is this, does this guy what does he expect to

do? Does he think that he can keep that sixteen grand? Did you even have the conversation? Yes, he tells through text. The last time he did text me, he stated that we're the ones that pulled the contract. Okay, no he did not. So he's claiming hold on, He's claiming, you paid him sixteen grand for the roof and you decided not to have it done, so now he gets to keep it. Is that basically what he's saying. That's basically the vibe I get, Yes, that's what

not the vibe, because what about the word we pulled the contract? With his wordage we pulled the contract. He did not state therefore I get to keep the sixteen thousand. He didn't say that. He said we pulled the contract. Okay, we told him less than three days after we gave him that check, we're not using you for the roof. We need to talk about the money. But he was constantly, well, I have to go

meet somebody, I have to go do this. I get it once he had to go get a shot, and then James, James, well even come back, and he never comes back. James, was there a contract for the roof? Yes? In writing? In writing, yes, did you officially? In writing? Can't try to cancel it? I don't think so. In writing no, And in writing, he's supposed to do a roof for you, and you paid him ahead of time, paid him half down. Okay, got it? Why would you pay half down for a

roof? I'm just curious. Now listen, here's what i want to know. Okay, right now, I'm just going to tell your situation when we come back, because you screwed yourself royally, absolutely royally. I'm going to tell you how to get out of it, partially, maybe all of it. Right after this, go with a sure thing Denver's Best Roof for Excel roofing dot com. You don't pay a sent till you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass insurance paying

too much your coverage at dozens of insurance companies. Find out now three all three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino here three all three seven one three talk seven one three eight two five to five. James, Let's get right to your problem. Basically, you

hired it. You hired Schlocks. Where'd you find him? By the way, where'd you find this Schlock company? We had some landscapers do some pretty good work and he recommended him. Okay, remember REFERRALSS dot com in the future, just to yourself a favor. Now, you hired Color Restaurants Construction. You paid him thirty Let's just get to the kitchen part. The thirty grand. Did you say thirty or thirty six? What was it thirty? What it was twenty five? In the kitchen again, we had additional flooring

done. That was why it got up there. So let's just say thirty grand. Okay, So you pay thirty grand. You said not all of that work is done. What work is not done of the thirty grand? Trim work? Okay, Now they think they're done. Why do they think they're done? Because they're idiots? You mean you mean it's it's not it's obviously in the contract they were supposed to do something, and you can point and say, see they didn't do it. Yes, what would all that

add up to that they didn't do I'm not sure. Yeah, we have electrical trim work, which I'm going to do myself because I got to add it all up. You got it added all. We have to know. How far would you say, there's ten thousand dollars not done? Probably not ten thousand. I would give me a real give me a real number. I appreciate you're not exaggerating. Give me a real number. How much is

not done? Five to seven? That small claims court. If you have a contract and you can show by photographic evidence or a witness or two that there is no that there's no way they did it, you should be able to get a judgment against them in small claims Agree, but I have no idea what the electrical is going to cost because he's got that all screwed up. Well, that's where you have to get a professional to assess this. We're working home. That good. The next thing, this sixteen grand,

This is a violation of the Contractor's Trust Act. If he put money if that money was put for the roof, he has to either do the roof or keep the money until the roof's done. But I mean, he can't just abandon you. But you said you're the one that changed your mind. Is there a penalty? Is there a penalty in that contract for cancelation?

None? Nothing, no words about that whatsoever. I don't This is a complicated one because you use He's going to say if we call him that you canceled the contract, and you agree what you did, well, the question is should he give you a refund? I would say yes, he owes you a refund that part of it. I don't want to get into the other renovation because that's just too far. You're going to need experts to assess that. But on this roofing deal, it's pretty plain to see he didn't

do it right, and you paid sixteen down on that alone. I would like I would like a chopper. I would like you to call Colorado Springs Construction LLC and just ask these idiots why they feel they get to keep sixteen grand. I mean, get let's hear, let's get an explanation. You got it, I'm on it. Yeah, thank you? So hold on man and we'll do that now. Yeah, we'll do that. Three oh three seven one three eight 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. Time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with

Remax Alliance three oh three nine two zero sixteen twenty two. Hi, Tom Martino, you're a troubleshooter three three seven one three talks seven one three eight two five five. James has it? Oh wait wait wait, not not James. I'm gonna James James right now. I don't know what else to do with him. I I think I exhausted. We're gonna have a chopper call, so James, Well, we'll put that off right now. Now, I'm gonna go to Lucre Louise, Lucia, is it help me with

your name? Lucretia Lucretia. What a cool name? Lucretia is that? Is that a thing? I've never heard that name before. It's Lucretia. So Lucretia, what's going on? Hello there? Yeah, it's it's a grandma's name, old name. I love Lucresia. Does anyone what does anyone call you anything for short? Like lou? Well? I used to be called Chris because I'm working at nursing homes and the sister living in target for them to say Lucretia, so that sounded christ. They so, what's going

on? Or ever? They have a great picture and they're in a foreign country, so that's why they can't zoom or anything like that. So what happened? He started asking for money? Well, no, he was what kind of he just was asking? Uh? He said that he lost his bag or something with his ID and bank information and all that, uh huh and when lived on base or something and then uh, yes, So he had asked me to open up an account and I just send him the information

so that way he could put the money into that account. Did you do it? Why he can come and bust me stupidly? Yes, I did not know anything about all this scam. I wasn't. Now, hold on, hold on, Where's what I Here's what I need to know though, I want to know how this works, this scam. He asked you to open a bank account and then you were supported, but but you didn't put any money in it? Did you? No? Well, actually he wanted

like my bank account information and that right there. I was like, no, I you know, I don't know him that well and I'm not going to do that. So I had opened up a bank account and gave him that information, Okay, but I didn't want it. Okay. What he wanted is your bank information so he could draft money out of it. But instead of doing that, you opened a new account. Did he know that

you opened a new account? Well? I had. I actually had told him that it was that I had a different bank account, different bank. Yeah, but did you tell him Here's what I need to know, Lucretia, I really need to know this. Did you say to him when he said, hey, can I have your bank account information so I can deposit money in it because I lost all my credentials? Did you tell him? Did you tell him, well, I'll open up a new account or did

you not tell him that I did not tell them regard. This is getting good because I have an I know what happened. Hold on and we'll come back and warn others about it. Lucretia, please hang on. This is definitely a scam. We got to warn people about. I'm Tom Martinez. We also have the art of Granite dot com in the house. Stay tuned for more of the Troubleshooter Show. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're 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 O three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two dum bad news. Need advice? Who you don't have? Come running just as fast as we

can. Show Shooter's gonna help. Come man, This is the Troubleshooter Show. No Tom Martine, I am Tom Martino. Welcome to the Only show if it's kind to anywhere in the universe. I can't tell you how thrilled I am to do this show each and every day, not only to help people, but to tell you about great people, to get the bad guys as well good people. Renew home Innovations. If you want beautiful, beautiful bathrooms, renew home Innovations dot com. He does shower second to none.

He takes out that old shove. I call them the tower the shower. I can't say it's either a tower a shove. It's a tough shower. Combo tears about those ugly old things with the doors and the curtains. You don't even need doors on his new showers. No thresholds, perimeter drains, beautiful benches, soap dishes custom made into three days, and you have seventy two months to pay no interest. Whoo. Renew home Innovations dot com.

Three h three nine zer all four two thousand, nine zero four two thousand. Mitch Fleers our guest today. He's with the Art of Granite. We'll go to him in a minute. Here, I want to talk to Lucretia first. Now this sounds like a scam to me. Mitch, you can chime in if you want. But have you ever, Mitch, you know a lot of these scammers are from third world countries? Do you know that they sit over in there in their homes and some of them get thousands and

thousands of dollars from Americans. Have you ever known anyone who's victim? No, I don't know anyone. There's all triquing and there's o patient and they have so many ways. A lot of them are women who are suppose they say they're women, and they like do it. They get men to send them thousands of dollars. Now, Lucretius, she's a smart woman here. What she did was this guy said, hey, I this so he's supposed to be a marine stationed in Turkey or whatever, and he's says, hey,

listen, I lost my credentials. I need help with a bank. I can't open a bank account. Can you open one? I mean, can you let me have your information so I can deposit money? And of course, Lucrisian, she knows not to give her money out, her information out. If someone has your account number and your routing number, they can take anything they want from your bank. They can they can go in and draft it they draft it. Now, she was smart enough to do a

new account. She didn't want them access to her account, so, but she didn't tell him that. So instead of giving him her account, she opened up another account. Now, Lucritia, did that account that you opened up and gave him the information to that account? Did that have money in it? I know when I opened it it was it was just an open account. But didn't you have to put like a ten dollars or something in it? No, it's like a mobile It was a mobile bank. It's

a first National bank. But it wasn't time. It wasn't tied to your account, right, No, No, I have a totally different bank. Okay, Now let me guess what happened. I'm gonna guess. Maybe I'm wrong in some of these cases where women opened up a new account, where men opened up a new account. There have been cases like this over the years I've handled. They had overdraft protection of a couple grand and what would happen is the scammer would go in and draw even though it had a zero

balance, they were able to draw out the protected amount. It's called overdraft protection. So if you ever have you don't have enough money to cover it, The bank covers it and then bills you for it with interest. So I'm going to ask you, is that what happened or not. I'm just trying to take a guess. No, I did not have no overdraft protection. Okay, then how did this affect you? I went to the bank and deposited it and then uh, and then he just wanted me to show

that it was like like the account balance or whatever. What was the check? And once should he send you five thousand? Okay, so that was a fake check. He sent you for five grand and you deposited it, and then he withdrew it. Right. Well, no, apparently like he had me by you. Well, they sent me a card, right, So they sent me a debit card. He had me by He wanted me to buy a I know of Now I'm hoping this is a new twist and I'm happy we're talking about it, not because of you getting ripped off.

I'm happy because other people can be saved. This is a new twist. So he had you, You had the account, he put a five thousand dollars check in it, they send you a debit card. Keep going, what happened then? And this is all in your name right, not in his name? Is that right? Yo? Exactly? So he asked me to buy Apple cards. I give the apple Apple. I don't know if their gift cards and what and no, no they're prepaid. They're prepaid cards.

Yeah, you could call them gift cards. What happened then? Yes? So then he asked me to take a picture of it, of the card. Uh, you know the backs were scratched or whatever. And then the receipt showing that I put money on that card. I take a pix of photo of it instead? I know. Then what did he do? Then? What did he do? Then? When that was when that was all gone, he said that he was good to buy the ticket to come to Colorado so you could see me, so you can meet me. Okay,

so he bought when you when you bought these gift cards. Did you send him the gift cards? No? He had me take a picture of the back like the numbers. Oh, so he used it to he used it to charge stuff? Right, probably, I don't know what. Wait a minute, So when you deposited this check in the new account, didn't they put a hold on it for a while? Did they put a hold on it or not? Well, instantly available. Why that's what I don't

understand. I have no clue because you didn't know that checks have to clear like one or two days. Okay, so hold on now, but what happened after this? So you you took pictures of the gift cards? Basically he put a fake I'm assuming he put a fake check in and you converted it to real money with the cards. Then what then? Later on he had said great, thank you, you know, and then he said, well, I'm sending you another check. So he sent me a check with

an amount of eighteen thousand dollars. But I haven't done anything with that. Wait a minute, was the first check? Reeal? No? So I just received a letter not too long ago from the bank stating that that check was believed to be fraud and not valid. They sent me a picture of it. They sent me a yellow piece of paper saying that it was fraud and that I needed a hold of the bank as soon as possible. So the first check was a fraud. Did you do the eighteenth thousand dollars check?

I have it in hand after they sent me that letter, thank god, And I just want you take a picture of it. Can you take a really careful picture of that check and send it to us. I could, but I'm not at home right now when I was watching my granddaughter. You don't have to do it right this minute. We'll give you what you contact us. No, Seriously, I want to do an article about this and and I want to warn people about it. Now. Listen, So

are you out five grand? Are they coming after you for that five grand? Yes? Yes? So when I called the bank, the fraud department is the one that was talking to me and told me that it's this factitious, the fictitious check that I need to go and repay it back. I need to pay it back, like right away. Why did you ask why they gave you immediate access to it? I didn't. I just she didn't really talk about how many? How many days, Lucretia, how many make

sure you leave with a kachina your name and number? Seriously, because I'm going to do an article about this, I might use an assumed name, so because Lucretia is so identifiable, but Lucretia. Listen, how many days after the deposit? Did he ask you to buy gift cards right away? When I deposited it? Really, I was at the at the bank when I deposited, and he goes, well, call me immediately when you're are

tell me, you know, text me immediately when you deposited check. He says that, Now, when you took pictures, do you text these pictures to them? Yes? I sent it through chat snapchat? Oh through wait, you can do that in snapchat pictures? Yes? Oh my thank god. This is a twist. So yeah, this is serious. Now five grand we got to figure this out. What's the name of the bank as the SNBO, It's First National Bank of Omaha. I believe. Now,

why did you do that bank? I I really don't know. I've used Chase, I've had Key Bank, I've had other banks that I've used before. First National, I think, is the only one that I have never used. So, you know, what's incredible to me? What's incredible. Here's what's incredible to me. It's incredible to me that they allowed you to have access to that money right away. I just don't understand that at all. I just they sent you a debit card. But didn't that take a

few days for that debit card to get to you? Yeah? I opened the bank online of before I received the check. And when you got the card before there was money in the account, yes, and then you had the debit card but nothing was in the account. Then he sent five grand to put in the account. Then the debit card was loaded. You went out and bought gift cards and then it backfired. But what I want to know is why did it take him so long to figure out the check was

bad? Oh? I do not know. That's a good question. But Lucretia, listen, that could be you're out, they didn't hold it. It could be do you have a name and a number and a person to talk to at the bank. Uh, let me see. Yeah, yeah, it's on that letter that they sent me. Can you okay, I want you to send me. Listen, I want you to send me the picture of the eighteen thousand dollars check. If you can send me a picture of the Apple card or whatever card you bought, I forget what you said

it was. Then I want you to send me that letter, a copy of that letter. Yes, this is right, said x the checks they sent it. He sent the checks said X. So on the let's send me, said Lucretius. Send me all of that. We got to help people. Man, this is incredible. I mean, I just can't believe. I can't believe that you've been ripped off like this, and I want

to try to help you get out of that five grand. So I want to get a name and a number of somebody at the bank and have Deputy Dollar call them, and have Deputy Dollar ask them why they gave you provisional credit so quickly. That's what it's called provisional credit. So it's just very

unusual to be granted credit that soon. If anyone's in the banking into if you could call us here, you can get right through three oh three seven to one three talk or three oh three Martino three three six two seven eighty four sixty six. How did she get immediate access to those funds? Because it seems to me anybody can do that, for God's sakes, anybody could open up an account, put checks in it, and then take the money and run. It just doesn't sound do you. You must have had really

good credit, right, Lucretia. Well I didn't. I did have good credit before my husband had passed away, So I mean, but when you open this account, you must had pretty good credit for them to give you provisional credit so soon, or no, I don't have that kind of money in my account. I wonder how the hell they gave you access to that so quickly. That's what's weird. That's what's really weird. Well, that's

just it's so valid. I mean, it just I don't know. Of course, does this eighteen grand little talid, Yes, looks at the same thing, except for this on this check, the second check, it has my name up on the top instead of like where like here's bank information or something or whatever, it has my name on the top, like if I bank? What bank? Are these checks drawn on the ones that he's sending you? Are they both drawing up on the same bank? Yes, Chase

Bank, and they have a Chase account and everything. Yes they have. Yeah, all them numbers that are down the bottom along the bottom. Have you contacted Chase? No, not yet. You're the first person I was talking Paul. So you guys, when you get home, Lucretia, I want Kachina, make sure you get Lucretia's phone number and then have her send us all that stuff. Okay, I got to take a break and then

we'll get back in touch with you. People. Beware, there's so many scams going on I'm Tom Martine. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're contents. Time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven

seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hey, I'm Tom Martinez, your troubleshooter at three oh three seven one three TOG three oh three seven one three A two five five man love doing what we do here to help people. Probid Energy is another solar company. They do some great residential systems as

well. Twenty one thousand dollars with battery backup included. That's probid Energy dot com. Okay, well you heard about that scam. We're gonna have more about that coming up. But Mary right now wants to talk about an HOA problem. Hey Mary, what's going on with you? Can you hear me? Yes? I can, Mary, what's going on? Okay, Well, let me just tell you that I live in Thornton, Colorado, Okay, and I live in a small community, only seventy seven units. There's

little condominiums. Are they town homes or condos? They're considered condos. They are connected to each other. There's like two connected and then sometimes there's but do you have your own front door? Do you go through a hallway or what is it a build? No? My own front door? Then, right, exactly, it is, but it is considered in our bylaws. It is considered no condominium. Yeah, that's what I mean. But okay, let me explain this. I was talking about the structure. It's a

town home, but the legal structure is condominium. Whether it's you can actually have condominium hoas with single dwellings. You know, they can be called condos if they want to be a condo. Yeah. So condominium rules can be applied to any community if you want them to be. They can be applied to that. But right now, for the sake of this discussion, you're in a town home community and you're living under condo rules. So what's going

on. Well, they are doing a special assessment. Of course, everyone is how much is it? Sixteen thousand dollars per homeowner? Is this for? Is this for a roof? Yes? Okay, Now here's what you need to know because this is important that if you have the right coverage, you may be covered for part of that by your homeowners insurance. We I have the HO six good, but our condominium, our board did not put

in a claim because it's gone too long. They're too old. Oh wait a minute, wait a minute, So this is not from a storm. No, no, we cannot put a claim in because there's small held damage. But not no, I get it. You guys are actually doing your It's just it's considered maintenance, so your your lost damage assessment won't cover it. It's like it's as if they wanted to repave the parking lot or something.

Correct. Correct, Oh my gosh, what's your question? S Well, the hardest part is I am single, and I'm a senior citizen, and coming up with sixteen thousand dollars by June is what they started with. Now they've got it down to fifteen thousand, two hundred and fifty two dollars till July first, and I have to come up with that money or they will foreclothes on my home. Well, of course they will. Yeah, and so but Mary, I'm not talking about ability to pay now. I'm

talking about nothing to do with ability to pay. Let's let's assume you're older on a fixed income. You don't have the ability to pay. But now, what I'm talking about is the legality. If you live in a community and you have a town home and it needs a roof because it wore out, why shouldn't you pay for that? No, I agree that it needs to be done. I'm not okay, I'm not fighting at all. I get it. You're not disputing. You're not disputing that you're obligated to pay

your part. What you're what you're wanting to know is is there a way to do this where I can make payments or something? Correct? That's exactly it. They won't. They won't allow you to do that in any way. Well up until July first, I can make as many payments as I want in three months. So they are giving us that option that I can make. It's five thousand dollars a month and I can make Yeah, but

you don't have five grand a month number? No, No, I don't know how much do you have any extra money you can put toward it. I do, I do. I have some savings in that. How much is your how much is your town homeworth? About four hundred and fifty somewhere. How much do you owe? How much do you owe on it? About one seventy? Well, there you go. You need to take out either a second or you need to refinance. What is your interest rate? Two point six? Yeah, don't do that. Don't screw with that one.

Yeah, why don't you take And I'm serious, Mary, why don't you take out a second? Okay, I mean you're gonna have to, dear, I mean that's you. See, they don't have to give you time to pay. There's nothing that says you have to get time to pay. No, no, And they don't. And they and they're very reasonable. I'm not I'm not complaining about my board or anything like that. And

I know that they went for the best. They did go for a forty five year roof, which I think none of us in this community are going to be around in forty five years now. Listen, it's going to be a forty five year roof or a hailstorm. Correct, correct, that's right, And it is being done during August, and I think, yeah, August in September. Out of curiosity, Out of curiosity, Mary, what do you do other people have? Are other people complaining at all? They

are? They are. There's a couple of them that said at the meeting yesterday that they couldn't afford it, but they took a vote and the majority can afford it. And and the three people have paid it already now. So I have another question, out of out of curiosity, had this been a storm, how much would your HO six have paid? Your lost damage assessed? Ten thousand up to ten thousand dollars? Wow? Which I could

afford the six thousand dollars, which I can do that. But and then they said try and go for maybe some grants or something in my community. And Thornton has a thing called Community Connections, and that they're out of funds since the pandemic. They ran out of funds and they're not getting it rebooted till July. And then you have to apply cover what it covered. Just would it cover a woman in a four hundred and fifty dollars town home replacing

a roof? I know, probably not. I'm probably over my head, is what I'm what income do what income? Social Security? And Social Security pays for my mortgage every month, and I have about five six hundred dollars left over from Social Security. Oh my god, I don't. I don't make enough to be on Medicaid, but I do make enough or make less to get EBT. I'm on EBT, so I do get that help. And I do have, uh, you know, the the amount of money that comes in pays my mortgage and I live kind of by that. Yeah,

so that I have a place to live. And I wonder if you're even going to qualify. How old are you right now? Sixty six? Have you ever thought about doing a reverse loan? No, now, listen, it's not for everyone, but it almost sounds tailor made for you. Really. Here's how they work. I'm not talking into it, and you definitely have to ask questions first, but here's how it works. You have your equity, and usually if your house is worth four point fifty, you

take a portion of that you have to. I'm hoping it would be enough to pay off your first or you can't do it. But you said how much you owe your first about one hundred and seventy Somewhere around there. Okay, I'm hoping we have enough. Let's just see. Yeah, yeah, you would have enough. You could pay off easily the first and then have I might be wrong on this, I know, I think Wait wait a

minute, I don't know. I think you would if your place is worth four point fifty and you could borrow even let's just go really weird on this. Yeah, you could have. What you could do is you pay off. Listen to carefully. It would pay off your first all right, then it would give you enough to pay that assessment and possibly possibly have money left if not. If not, it still pays off your first What is your monthly payment on that about eleven hundred? Okay, you wouldn't have to so

let's just say it pays off your first and pays that assessment. Going forward, you would never have to make another house payment. All you would have to pay are taxes and insurance. You're obligated to pay that, and the reverse loan would accrue against your house, so the loan would go up every single year. But what do you care? Because if you're approved for a reverse loan, they can never ever kick you out. It's your home until

you die or you move. Now listen to this part. Let's say you have to move to assisted living, or you want to move to a relative in Florida, whatever, and you have to sell your place. Let's say, worst case scenario, the loan has accrued so much against your house that you can't sell it enough to pay off that loan. Do you know what happens? No, nothing, You simply sign your house over and move. What I'm saying is, if the house is worth for the assistant, who

pays that? What do you mean do you pay for the assistant? Like if I went to it for what assistance? I I'm just saying if if your scenario says that I'm going to Let's say I wanted to go to assisted living. Okay, so let's say this. Let's say you're in your home

and you need assisted living. Okay, Okay, Well, actually, in my opinion, you're better off because if you take out a reverse loan and it accrues against your house, then you sell your house if there's enough to pay off the reverse Whatever money you have left counts against your qualification for assistance or helps you pay for it. But no matter what, you're in the same exact position, whether you own your house or not because assisted living in

fact medicaid. You'd qualify for medicaid if your house didn't have any equity, okay. Whereas whereas if you kept your house right now and you had to go into assisted living and you had four hundred thousand or three hundred thousand inequity, they would make you sell it and pay them that three hundred thousand.

What's the difference if you if you live better now and not have to make a payment at all except for taxes and insurance, you can take some of that Social Security and have some fun with it instead of only having two or three hundred dollars left at the end of every month. You really need to sit down and talk about it with somebody. And I know somebody honest that can help you. Honest, it's what the hell is the name of the company? Mark or you guys, I'll find it. It's uh. I

took him off the schedule because he's not advertising anywhere. But I'll find him and then, and that's who you should call. You really should. I gotta take this break, hang on and we'll give you that number. 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 all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter. Three oh three seven one three talk seven one three eight two five five Grossman Wellness.

You know we had him on Doctor Grossman the other day. I got such a great reaction, people say, man, tell me more about him. Here's what I'm gonna tell you. Okay, Grossman Wellness is he's a good and they chart. Here's what I want to tell you. Just this is the message. For two hundred and forty nine bucks. I want you to go there. Two hundred forty nine bucks. You get blood work, a consultation and uh and an exam kind of an exam you know of your blood

work and all that to tell you where you stand. Because like blood work is like a fingerprint. What I want you to do is it's just two hundred and forty nine bucks. I mean that's it. Now, think about that, and then for a monthly fee, you get a doctor on call. Basically I've been doing it. I don't know since I've been forty five or forty seven or fifty. I mean, it's the most wonderful thing. And I credit doctor Grossman with my great health, so it's worth it.

Three oh three two three three forty two forty seven two three oh three two three three forty two forty seven Grossmanwellness dot Com. So I want to go back Mary. So what I was saying is a reverse loan. I finally got the name of those guys. It's in power Reverse dot Com. It's Mark Mass. Here's the number, and then Kachina can make sure you get it. Seven to zero, seven to zero, five hundred seven seven one nine. I really want you to check it out. It could be now.

Now, Like I said, your house has to be worth what you say. If it is, they can pay off your first you never have to make another payment. And listen, unless you're keeping your equity to pass to your children. Truly, you should live on it. There's nothing wrong with living on it at all. Okay, Mitch Fleuria. Let's go back to countertops. I have some a question somebody wants to know. Do you do concrete countertops? We don't do concrete tops. Okay, that's about the

only one you don't do. Right. What else, well, you don't do for Micah? Right? Does anyone do for mica anymore? I'm not aware of. Okay, what about stuff that used to be called Korean and stuff like that, that's stead Do you do that? Don't do it? Okay? So you do solid surface, solid surface, like engineered solid surface or stone. So give me an idea of what's the quartz? Is that one engineered? What other engineered stone is there? Well, there's also porcelain

kind of tops nowadays? What porcelain kind of tops? Those are? Must be beautiful? Yes? Are they expensive? They come in pretty good sizes. Labor can be more. What is porcelain really? Is it like a glass like a very heart ceramic? Really? And that's called that's considered engineered. Yes, it's an engineer stone. What colors do they but there's all sorts of colors. They're come in pretty thin. So we have to build up those edges. We have to mither and and thick on those edges.

They're they're they're really pretty and they're heat resistant and they're non pores, just like that quartz. Okay, so wow, I am, I'm blown away by that. Let's talk about some of the some of the stuff you got going on right now. You can get do you choose one of these the black splash, kitchen sink stainless steel are composite premium edge treatment fifteen percent off entire job or cabin Like, is that like choose one or what? How

does that work? Yes? Whatever, So you choose your own incentive pretty much. Yeah, if you don't need an upgraded edge, maybe you have your sinks already, let's fabricate an additional bathroom. Or if you don't need a bathroom, you can get a backsplashing. Okay, so here's what we're saying, folks. If you get a countertop, you can pick a free backslash, you can pick a free kitchen sink, you can pick the let's see the premium edge treatment. Those are really beautiful. You can pick fifteen

percent off the entire job. Wow, do you still do the free kitchen sink or the free bathroom. I mean we do the free bedroom as one of the aubsince, yes, as one of them. Okay, so you choose whatever one you have. Now, what about this? If you add cabinets, you get twenty five five percent off? Is that one of the incentives CDs. Yes, it's one that you choose from so and that's three oh three three eight six fifty nine nineteen. I got to take this break, right, guys? Do I have to take it? 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 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two