The Troubleshooter 3-21-24

Yeah, ripped off bad news. You need advice, so you don't have come running. Just as fast as we can show Shooter's gonna help come. This is the Troubleshooter Show Now Tom Martino, I'm Tom Martino. Welcome to the show. We got a lot to talk about, including getting ready for the heat the cooling season with AC. We'll have a guest on from Fix at twenty four seven. We'll also talk about your problems, questions and complaints. So I urge you to get a call in and I'm going to get

through calls quickly and try to help you. We have Lee with a vehicle purchase. We have all kinds of stuff to talk about today, so I urge you to call. Welcome to the show. And I see that Deputy Doc and Deputy Chopper in the studio. We got Sue's at the controls. Becus Kachina is is onflad Miss Tom. She is like she's crazy about that. She's not normal when that comes to that. Yeah, I mean you

know, and then where's Mark you pooh? We're getting the video going, getting video going, and so we have everything ready to go to solve problems for people, as we've been doing God for forty five years in Denver. Here's what we're talking about. If somebody lies you, cheated you, ripped you off, if somebody's pissing you off, if you need help, give

us a call. If your computer got locked up by some scammers and you don't know what to do, don't go firebomb the building and kill everybody involved. By the way, I'm referencing a movie a guy told me to watch yesterday about a guy that got so sick of this consumer scam. Oh my god, did he take revenge? You know, often on this show we'll get a call from a little lady who lost everything. I'm serious, now, I shouldn't make for the light of that, and I do. I

want to go and I want to grab these guys. I don't want to kill him in firebomb them except in my dreams. But what I really want to just get them, throw them in jail. And then in the middle of the movie, what did I do? I texted sus and Mark as I say, you got Mark watched it last night. I fell asleep because I got to hear what he thinks. It's called guys. You gotta see. First of all, I love statum, I love him. He's a great He's a nasty looking guy and good looking and I'm telling you, I

just love so. I don't know if I'm talking about movies, but this is a movie about let's say, the Troubleshooter on steroids and anyway, it's called The bee Keeper. Jason Statum, I believe his name is. I think he's cool. I just think he's cool. And you might argue he's not a great actor, but in any case, I digress. He takes revenge and often on this show. Oh god, I feel like that I'm gonna pull something. It was a great movie. Man. Oh Mark,

were you saying, who was it bassed off of? You know, what's that? Who do you think it was based off of? I want to see if we're on the same page, what do you let's see what do you mean based off of? Well, it was a president and it was their cocaine fueled son. Yeah, oh I know, I know, I know. But the president was decent. She didn't know what was going on, but but yeah, she was out of it. I agree. So, once again, who was it based off of? I don't know,

And Mark, I know what you're talking about. But the but here's what they did. They took this computer lock up scam, you know, like your computer's locked up, call this number immediately they get access mark. We have actually handled those dozens of those problems pops up on Microsoft. And we know this. We know what can happen to people. We know it. We've seen people lose thousands. We had a little lady that lost thousands this year. I just I love the fact it is portraying the bidens. That's

it. That's what I loved about it. But you, but what about the show and the consumer stuff? Did you like it that? No, I'm telling you, I love the whole movie. It's so corrupt. It shows you how corrupt our government is. It's great. Well, yeah, but I took away that scammers are scammers and these guys they had working for him on the one. Don't you wish sometimes just because what we do for a living, don't you have dreams of grabbing scumbags that have taken every penny

from an old woman or an old guy. And okay, and I'm going to say it, waken she Stephanie, what's woke me up? I'm yelling because I'm like kicking somebody's ass. I'm serious, man, I'm like, I'm like, I'm sorry, let me get that white shot here. We have Hannah with us from Fix at twenty four. You can chime in, Hannah. But but but I honest to god, Mark, I am like in my dreams, I find him and the guy comes after me, you know what, and I defend myself. And obviously, oh man, you

make it. You're making it sound too easy. Yeah, you mean you run into him and you throw them off a building. That's what you're trying to say. But you're saying it in a very nice way. No. Well, it depends on the severity. But I do have I have some violent dreams, man like people. I just get so upset with people ripping people off. Mark, it was a great recently recently that one woman what was it twelve thousand? No, No, it was more than that.

It was I gotta look at my call screener. I mean it was just recently. And how many times have we wanted to do something with discumbags. We've even gotten them on the phone where they will brag about what they do. They brag about it. Now YouTube is filled with people who have taken revenge on scammers. By the way, there it is now the other movie that touched home for us? Hey, what real quick? You just mentioned something. I'm going to try to reach out and get this guy. I'm

gonna have Kelly start bird dogging him to get on. But he's a guy that goes after squatters. He helps people that basically have squatters in their house and they won't leave and the police won't do anything. I have no idea how he gets them out, but I'd love to get him on the show. There was another movie, another movie that was made with about public trustees.

Do you remember that one? I do? I do remember that, And they were all in cahoots and they basically stole everybody's money, old people's money, right, and then somebody came here. It was people that were like in nursing homes. That's right, that's right, And they would say they were crazy and they would take all their money. Yes. And you know who was really good in that movie we were talking about yesterday. I noticed her right away. I call her missus Huxtable. It was the woman

from the Rashod God. Is she a good actress? Yeah? Okay? Man? So anyway, you got to see the movie Beekeeper. It's streaming right now, I want to talk to Lee about his problem. They are right, But I also want to tell you about waterpros dot net the best water system's lowest prices like purified wonderful water and got it. I got triple filter reverse osmosis at the kitchen, sing fourteen hundred dollars. Anyway, let's go, and there are three oh three eight six two five five five four?

Lee? What's going on with your vehicle purchase? Do we have to go blow people up? I'm just kidding, folks. I'm not violent. I don't want violence only in my mind. Everybody thinks about that now and then okay, Lee, what and I don't mean thinking about I got a video. I got a video of you in studio with mister Bentley sitting across from you, and you stood up and threatened to kick his ass. Yeah

he do you remember how he ripped off that woman. It was the most outrageous, in your face rip off I have ever in touned handicap rant, mark walk in tub or walk in. That's I knew it was something to do with disability. Okay, and we'll talk about that, But like, what's going on with you? Lee, what's happening? Hey? What's going on? Hey? Tom? Are you doing this morning? Hey? Bought

us happening from Jim Norton Chevy in Broken Arrow, Oklahoma? Brought it Okay, so this is where you bought it and broke a broken Arrow, Oklahoma. That's correct. Was it new? No, it was a used vehicle. So what'd you buy? Twenty twenty two Ford F three fifty. Oh that's pretty new diesel? So new to us? Is it a diesel? Yes? Okay, what's the problem? And brought it back, did my then verification and emissions test and it failed emissions because it was deleted. So

the dealer sold a deleted emissions vehicle. Well, hold on, I'm not sure what you mean by First of all, is they don't I don't believe in Oklahoma did they? They have an air program when you sell across state lines, they don't have to make it pass I don't think. I don't think it has anything to do. If they're selling outside of their area, they have no obligation to make sure it passes out. But it has to

pass federal law, and that federal law has certain things. And I think what he's saying is I don't know if they bypassed like an O two censor for example. Okay, we're gonna break this down. I want to know first. It was a twenty twenty two f three point fifty diesel on the name of the dealer again, Jim Norton's Chevrolet. Okay, now you're are you claiming you bought this and now you can't get emissions on it because it's

deleted? What does delete it mean? It means they pulled a part off of the vehicle that had to do with the emission system from the manufacturer. That's correct, several parts they've someone removed. I don't know who removed it. But but you bought it as is? Did you? Did they make a note of it anywhere? No? I see, But I'm not there. I have to. I just know about this stuff because I was in this business forever. You're not allowed to do it. It doesn't matter what

state. You're not allowed to remove a missionp What if? Hold on, but what if they I'm just playing here. What if they removed they took this in trade or something and they just sold it as is and they are not the ones that removed it. I would My understanding is they need to repair it or undo the deal. Well they want to do Okay, hold on, Mark, you're talking. Hold on, We really have to be careful here. Are we talking federal law now, Mark, because you don't

know Oklahoma law. So you're saying, by federal law they have to they have to fix it. That's right. By federal law you cannot remove. When we take a break here, and I'm not doubting, I'm asking if you could find a citation on that. If you can, we can then go back to that dealer and start pressuring them. Plus, I know Lee has a lot more to tell us, So hang on, Lee, I'm Tom Martino three oh three seven one three talk three oh three seven one three

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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 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 here three oh three seven to one

three talks seven one three eight two five five. All right, So according to the law, they cannot They cannot tamper. No one can tamper with emissions control devices and vehicles. It is very serious offense, and even private individuals can't do it, and you can't sell it, and you can't do anything. But the law falls short of giving automatic recourse. So I can't see what I see is and I'm only looking at the highlights that it gives you civil action to go after them, and you'll win. You'll win,

But I don't see where they must do this. However, they would be an idiot not to take the car back or refund your money because with because they could lose their license. So continue with your story. First, I want to make sure we're hearing the story. So you buy a twenty twenty two used F one three point fifty diesel from Jim Norton Chevrolet and broke in Arrow, Oklahoma emissions missing emissions parts. You can't get it registered. So

how long ago did you buy it? About it March sixth and brought it into Colorado? Right, So where do you stand right now? What did the dealer say they would do for you? They know, they have to know this is a violation of federal law. So I've asked them to bring the vehicle up to current standards and sent them a estimate, and they sent me an email this morning that said, we're undoing the deal. We are coming to get our vehicle. Okay, Well, then then that's all they

that's all they have to do. Lee. You can't force them to fix it for you, but they have to give you every penny back how much I would give, by the way to bring it back up. Uh, it's a little shy of twenty thousand. Oh. I love this idiot on YouTube that said there's no way it's twenty thousand, and I happen to hit that exact number. Todd. Hey, Lee, they're coming. Are they going to reimburse you any expenses? Yeah, they said they would. They

would reimburse everything, my expenses everything. You know. Here's the other thing, though, I released liability from my other vehicle, so now I have to take my time and go back and do everything that's undone. I've been paying insurance for it, you know, running around my time. Well, yeah, it's pain. It's a pain in the ass. And that's why I asked, are they going to give you any extra money? They said they would if I had receipts. But how do you well, you go,

you know, Lee, just estimate. I will say this, they shouldn't have sold it. I don't know what they were thinking. I gotta believe they didn't really know about it, because why would they put themselves through this. They know you can't get it registered. Well, they probably didn't know he was going to or I'm sorry, coming to Colorado where he'd have to go through emissions. I don't know what they know where they were selling

it where you lived. I made no bones about it that it was coming back to the state of Colorado, and the State of Colorado has an emissions program. But did you mention emissions? Yes, I did. I have to believe based on their reaction that they didn't know about it, and that they probably figured, damn it, we can do it cheaper. Let's get it fixed here, and let's just undo the deal. You can't ask for

more than that? Why so out of curiosity? What were you calling about to see if to see if you if if I could get a guidance on if if I chose to get the vehicle fixed to go after him for well, I don't think you can. You can't do that, Lee. In my opinion, this company's is they're offering to take the car back and give you expenses. What are you gonna say? You can't. You can't force specific performance on that car. I mean, what you're saying is this,

You're gonna refuse to undo the deal. You want to get it fixed, and you're gonna go after them for the twenty grand First and foremost, you got to hire an attorney, and that's gonna eat and that's gonna add to your twenty and even if you win, which will take you about fifteen or twenty I don't think you'll win, but even if you do, you're gonna break even at best. Break you thought you had more power. You can't simply get that truck fixed and say now you pay me for it. What

you might want to do is negotiate something. Tell them, look, can you take it back and just fix it if you can do it cheaper, and I'll still buy it. It's probably a lot cheaper for them to do it in Oklahoma, anyhow, That's what I'm saying. Yeah, yeah, and remember, Lee, they only have to bring it back to federal standards. They don't have to make it pass in Colorado, correct, But everything missing would be original manufacturers equipment, right, which would make it pass in

any state. Okay, Okay, maybe not, though there are plenty of cars that pass that have federal equipment and still need tweaking to pass the state. But Lee, here's the deal. If you really love that truck, maybe they'll take it back and fix it and still keep the deal alive. It'll save the money in the long run because they don't have to pay you all those expenses. I don't know, what do you think. Well, if you don't ask, you don't know an answer. To it right,

So I would ask. I would ask I think that I don't know. I think you're in the driver's seat, so to speak. So that's what I would do. I would go after them and say, look, could you do this for me? But I don't mean after them. I mean I would contact them. But I have a feeling they probably I don't know why they wouldn't do it because they're going to have to fix it and sell it anyway. Tell them that, say, look, you're going to have to fix this and sell it anyway. I want the truck. I just

need the emissions fixed. Did they even offer that? I mean, how did it get to we're going to come get the truck. Did you threaten them? What did you do? Oh? No, nothing. They just communicated with them, saying, hey, you know I took it in it failed emissions. The shop that does the emissions test for the state wrote a quote for me. I emailed them the quote and they were like, no, way, did you nail them? Well, it could be that that shop is exaggerating. What I want to know is, well, they give

you for another estimate that's weird. Well no, no, as many estimates as they want. It could be a lot more expensive here because we're California standards compared to Oklahoma when they're not. Just like we talk about Wyoming in Colorado. Okay, so let's put it this way. Then if they fixed it for him, they don't have to fix it to Colorado standards. They only have to fix it to federal standards. Yeah, and it would pass here. There'd be no problems. So Lee, when you got that estimate,

was it to just replace the missing equipment? It's to replace, Yes, what is missing? What is missing on the vehicle. And it's an itemized list as to what is missing on the vehicle. Okay, you know what I would do, man, I would Does that include all the Is that all the equipment, the EGR valed, the catalytic converter, all of the equipment? Is it all missing? Yes? God, they must have

used this truck on a farm. I mean, I don't know. You know, there's they're talking about the catalyst, particular filters and reluctant pressure lines for the death system. All the sensors are removed, the harnesses were just left open to the environment, so they could you might have to change connectors, you know. So they wrote an estimate for me. I presented it to them and they were like, oh God, there's no way, that's too expensive. We're coming to get the truck. I mean, there wasn't

even any discussion. It's they're coming to get the truck. That's what they told me. And it's like, well, as far as I know, you know, I haven't I own the truck. I mean, if they just come get it, Lie, you don't have no lee, Lie, you don't have to let them come get it. But I don't understand what you think you're going to accomplish. You're not in a position of power here. If if a dealer is undoing the deal, if you go through court,

that's likely what a judge would order. Why do you believe that you have them buy the balls because you don't. No, I don't believe that what I was looking for is just some help and in wanting to get the truck repaired, that's all I wanted. Okay, Well, and here's what I suggest. You have two choices. You can get the truck and eat the cost and get it fixed, or you can reason with them right now and call us back, call them and say, look, when I told

you it costs this much I'm only going by what they told me. If you guys can replace the missing equipment, I'll gladly keep this deal alive. And then reason with him because you're gonna have to sell it anyway. If they say something ridiculous like well, if we have to put that money into it, we're going to sell it for more than you would say to them. But then why did you price it the way you did, because you

know, because you you assumed it had everything. I don't say you need to call them, Lee, we can't do it for you, and then let us know what they say. Three oh three, seven to one to three. Talk now, Mark, quickly make a comment on this call, and then I got to take a break. Go ahead, Mark, what is your comment now? I agree with your Mark. Nailed it on the head. Mark nailed it on the head. You could try Wyoming because that

exhaust shouldn't be that. I mean, I'm looking at five to six thousand dollars three place, and I don't know what he paid for the vehicle or what it's worth, and so I mean it might be worth oring to do that. Another thing he could do. It's just licensed it out of North Dakota. You can do it right over right online. They'll mail you the tags out of North Dakota. They just run North Dakota's tags. You know, someone else told us that that that people. You know what, I'm

getting really confused about this North and South Dakota thing. Who are letting people all over the country registered motor homes and airplanes and cars? Are you sure? All? Are you? You're not the one that called last time about this? Are you mark? How you hung up? More coming up? I'm Tom Martino. Hang on a sec. I just want to tell you about one Clear Choice Garage Doors, the best garage door systems and listen to

this. They candle all their factory authorized for most stores. They also have all the latest technology they and they have twenty four to seven service for emergencies, and all of their prices are on their website at one clear Choice doors 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. Time for an insurance check

up free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of trance 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 Martina here three O three seven one, Hey Tom. A lot of people are doing that,

and who are expats that are going to Mexico? Because once you have US plates on your vehicle or your RV in Mexico, you never have to register it or get insurance if you don't want to. But you what have you got just Mexican plates? What would happen? Then you'd be registered and you might have to pay taxes or registration fees. But if you have South Dakota plates, you don't have to worry about it. So if you have South

Dakota plates, you do have to remove renew South Dakota every year. Well except if you're living in Mexico. If you move to Mexico, it doesn't matter. So you're saying you just let them expire. Yeah, and you you know people are doing this. It was it was on something on YouTube. No fooling. But the point is South Dakost is not going to come after you in Mexico, and Mexico's not going to come after you for having expired US plates. So it's only for expats. It's not for people who

are going up for vacation. Okay, But here's what I want to know, because I've been getting last time we took a call on this, and if anyone knows about this, call us we're not going to rat down. People are saying they're sick and tired of Colorado vehicle taxes and use taxes and on motor homes and trucks and expensive vehicles instead of spending, by the way, with a motorhome, you can spend fourteen eighteen thousand a year, I mean you can on a vehicle. What are vehicles now? Five or six

grand for an expensive new vehicle. I mean, it's incredible what it costs. We are truly a mini California. We really are. I mean, there's no doubt about it. This state has gone completely one sided. Now for people, to save your stupid comments when I say that that's not political, it's a fact. We are one sided. And lopsided government is never good no matter what direction it's lopsided in. And we have a lopsided government. That's what we have. But I digress. Let's talk about that what

people are doing. So people are, supposedly, I'm being told, registering their cars in North or South Dakota and getting away from this all that. And somebody called and said, oh, yeah, I do it all the time, and South Dakota doesn't care. And I said, well, of course they would if they know it. He said, they do it by mail. They send me the plates, so they know you're living out of state and they still let you register everything. Are you kidding me? I

mean, you know, that's what I want to know. Why would they do that if they know you're not living there? And truly, like Montana, for example, people go because of the I don't know, lack of

tax and lower fees, but Montana requires a presence in that state. So what some people do are they start a company, a bogus company sometimes sometimes it's they're a real company, and then they get a registered agent, a professional registered agent who is located in Montana, or they have a drop box there or something, and then they work with them and that becomes their address. It's all very complicated, but that's what they do. So let's talk.

Mark, you had said that you do it through the mail, and I'm being told on on my uh by the way to text the show it's five seven seven three nine. I should say that more often than what you do is put your tom in there and it'll come to me. But do you do this? Mark? Yes? I do it with my motorcycle. And I don't know how long have you been doing it? Since forever? For a long time. I ain't ca why do you? I just want a few questions, Mark? Why do you do it there? Because we're

Colorado's ripping us off? They want three hundred and twenty five dollars to register my motorcycle every year, and I get it registered out of North Dakota for twenty five dollars. Okay, Now when you give the Colorado wood dress, is that they don't care about that on your registration? Nope, it says right on my registration out of state. Oh so wow, there they know you don't live there and they're issuing out of state plates. Yeah. Well,

what was this I heard about? I used to hear this all the time back in day when I'm on TV on Channel four and Fox thirty one. Okay, we would have reporters move here, right, and then they would say I got to change my plates over. I only have a certain amount of time. I guess you can get a ticket if you're in the state too long. Is that true? Mark? Do you ever get stopped? Yeah, I've got the ticket. I just pay it and go on. It's still okay. What's the ticket for? What's the ticket for?

Well, it used to be. I mean that was a long time ago when I got the ticket, but it was for not changing over my plates. And how much was the ticket for? How much was the ticket? I think it was one hundred and fifty bucks, so that so now you paid one hundred and fifty there, plus you played twenty five dollars, so now you're up to one hundred and seventy five. If you get another ticket, you may as well just register it here. You got to multiply at

times ten years. Oh, you've been doing it right. Okay, you're playing the laws. I want to know more people who do this. I promise you, we're not going to trace your call, We're not going to rat you out. Let's do that now. Tell Lucretia to hang on. Uh, Lucretia, I did a lot of looking into this scam. She sent me a bunch of information, a dating scam everyone has to know about because she thought she was protecting herself, but she did not protect herself by

the way. Frank Ran the real estate man, will do a market valuation of your home for the asking. I talked to Frank this morning. He says he has a lot of great deals on condos and town homes and on other homes single family, of course, and right now, if you want to know what you can sell your house for in this market, he'll do a detailed analysis free of charge. Three oh three nine two zero sixteen twenty two. Go with a sure thing Denver's best rufer el 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 O three seven to seven to one help. You'll think you're his only customer when you choose Frank Durand the real estate Man dot com to list your home with Remax Alliance three oh three

nine two zero sixteen twenty two. Hi Tom, Martino, you're troubleshooter three all three seven one three talk three or three seven or three eight two five five? Okay. I want to have Tom make a comment unregistered on registering vehicles. It seems that a lot of people have texted me and they're going to South. It's either North or South Dakota or both. And the states are not that. That state doesn't care. It doesn't care if you're out

of state, they'll register your vehicle. So Tom, what's your comment on that? Talkative? Okay? I want to Tom to comment on saying this. Yeah, turn down your radio, bro, you're listening in delay. Go ahead, I said I did. Hey, good morning, good morning. Are we on or yes we are? What is your comment on this registration out of state? Okay? Here's the here's an issue. I bought a brand new motorcycle, was an extensive one. My license plate alone for

one year was five hundred and eighty dollars. I paid for it. Three months later, I met a deer and total the bike. So I wanted to wait until the following year to get the next year model on a motorcycle or replacement. I took my license plate to the DMV and said, hey, I want to return it. I like to get a refund, so when I get the next one, i'll do it. They said, no, there's no refund. Oh, hold your plates until the validation expires. I said, but I'm not going to buy one tomorrow. I'm gonna wait

until the new model year comes out. They says, well, sorry, too late. Wait a minute, so they would have got wait, they would give you credit if you did it. When what is your time limit they would have given me. I think was eight months left, So hold on. But but what I'm saying is this, if you do not register another vehicle within the time, you don't get that credit exactly, you lose it. It runs out. In other words, as if you're using it,

it runs out exactly. And so if you wreck a bike, hold on, if you wreck a new vehicle a month after you registered it and paid for all the taxes a month after, and you waited till the following year, they would look at that as an expired no credit due Exactly. They should be able. They should be able to flag the system and say, hey, Tom's vehicle is wrecked, let's put this credit on his account. What the hell? Why not? Exactly So here's what I did,

and that was five hundred and eighty dollars for one year. So when I got my new bike, I had lost my credit. I went and read string Oregon, I have property over there. I read sure over there, Well, you have property there right for four years? Hold on, I want to come back to this and talk more about 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 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 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. Yeah, ripped of bad news. You need adviso. You don't have the cam run in just as fast as we can show Shooter's gonna

help. Come man, This is the Troubleshooter Show. Now Tom Martino, Hey Tom Martino here, Welcome to the show. Three all three seven one three talks seven one, three, eight, two, five five. I want to talk about registering vehicles out of state as well as everything else, because a lot of people are starting to do it, and I don't know why. I mean, I was always told you can't do that. My god, they threatened the hell out of me. They said, you can't do it, do it, can't do it, you get tickets, it's

not worth it. Now I'm hearing that South Dakota. I don't know if it's North or South Dakota, sus What was it? Was it North or South? Mark? What were they taught? Which state? Was it both or one? North North Dakota? Is it okay? I want clarification on that. If people have been doing this, If it's North or South, I think one guy because one text talked about South and then the caller talked about North, so I'm not sure. Also, I have handed with us

from Hannah Davis from Fixed at twenty four to seven. Out Let me get that out real quick, because we really need to concentrate on this this month. For marsh Madness, you will never and I mean never, ever, ever ever ever get this value ever again for the work they put into it. They did my AC. And you might say, oh, it's for you, Tom, No, I swear to God it's the same exact thing

they do for everyone, because I have gotten calls on it. They spent two hours on our system going through everything, the fins on the blower, they and anything that's removable and take it apart. They can they do. They take things out, they clean it, they use solve it. They make that furnace or AC incredible. It's what I call the deep clean tune and check now twenty four dollars and seven cents, twenty four to seven because fix it twenty four to seven. This is for the AC this month.

Okay, So have you seen them do it? Have they done it for you? Yet? They've done it for me. And that's how I first started working with them, Tom, Is this happened. I fell in love with this company and I said, hey, can I enjoin? Yes. They spent two hours, Like you said, I came out and every single piece was taken apart. I literally thought there was something horribly wrong with my system. They said, no, ma'am, and this is just what we do for every customer. I had a little noise that was made. It

was making this I had a big noise and it stopped no hours. Sounded like a freight train. I kid you not. It was our first home that we moved into. It was gone. Now here's what I want to tell you. Twenty four seven cents this month only then it goes back to regular. But I'm gonna be honest with you. Okay, even their regular price is a absolute screaming deal some but twenty four dollars and seven cents? Are you kidding me? All you have to do is call the schedule this

month. I'm not even sure they have to do it this month, but you have to call them. Get on the books this month. So that's just get on the books fixmihome dot com and there's a guarantee no breakdown for the AC fix my home dot com. We'll talk more about it. If you have any questions, give me a call, because I do have a couple questions on AC I put away for them that I gotten from email that I want to ask about. And Hanna may have to ask ahead to an

expert or she might know. I think I know, but I'm not sure, but we'll talk about that. It has to do with AC and trying to trying to what do they call it? Zone it yourself meaning shutting down vents in a room? Will is it bad to unbalanced? At what happens? Maybe we should, like I said, you might know, Honny, this question may have come up before. But anyway, three oh three seven

one, three eight, two five five. So SUS wants you to know that they check voicemail every single evening and morning for calls to call back. So here's our number at that voicemail. And by the way, if you call now, it comes through the studio. It's three oh three Martino, three oh three six two seven eight four sixty six. Now to Tom for a comment on registering vehicles. Tom, you're the one that had the motorcycle, right, yes, sir? And you is it north or south?

Oh? No, you went to Oregon? Now when you went to Oregon? Here's what I want to know. Did you go to Oregon because you had property there? They let you? Would they have let you if you didn't have property there? I do not believe so because they do you have a home there? Or yes I do? So you use that address? Correct? Yeah? But do they hassle you here? Because here's how law

and sales, tax laws, trust me. I've looked into them. They say that even if you have a residence in Oregon, or a residence in Colorado, or a residence somewhere and you register a vehicle there, they will de register it and make you go where it is domiciled. So what is the definition of domiciled? That's the thing. Yeah, ahead, I have them domiciled in Oregon. But I'm here, And so you don't drive the motorcycles in Colorado a lot? Yes, I do. All my vehicles are

register in Oregon. Because of their unfair practice on the sales. They charge an outgrade of some amount for one year Oregon. I paid one twenty five for four years. Yeah, so listen, I have a question for you. When you drive them here, do you get hassled over? No? No, you just don't. Don't get tickets, don't do the wrong things. It's ridiculous. Okay, So Oregon is Oregon is cheap. Uh. You know a lot of people listen, man, A lot of people are

doing things to save money like that. So hang on, I mean not hang on. Thank you for calling. I appreciate it. Three or three seven with three talks seven or three two five five? John, is it South Dakota, that you have your car registered in John another John. Yeah, my mother in law. They have a two thousand and three Trailblazer. They've had it registered in South Dakota for almost three years, and they just South Dakota sends them to renewal, they send it in, they send them

back to me, and they drive around here. They drive around here and there's no there's no problem. My son has actually borrowed the car for the last eight months and drives back and forth from Parker to downtown Denver. It's a priority thing. The police don't have time to pull somebody over because about license plate. As long as you don't break the law. And South Dakota doesn't require you to have a license there, I mean a license or an

address there. No, not at all. They're just doing it for the revenue. They know that there's all these states that are posing everybody on the emissions, and they're just like, hey, we'll take the money. Mark. Do you know about this? I wonder what do you think about this? I mean, I'm finding I'm fascinated. I am fascinated that this is happening and that people are it used that they used to really clamp down on it. They did. Let me tell you what California does. This is

incredible California. If they see a jet on the ramp. I'm not talking about like at these general aviation airports, lear jets, citations, sessment jet or just citation. They any kind of jet, obamadi or whatever. These private corporate jets. If they're on the ramp, they go out, get the end number, see where they're registered. If they're not registered in the

state of California, they send sales tax notices to people. There have been even tourists, by the way, so there have been tourists who have their jets parked there. But the city that state says, if you park them here more than a certain amount of time, they're now domiciled here. They've changed mostile laws and they start taxing them. Think about that. Is that is actually or it was happening. I don't know if it is right this

minute. Now, I'm going to go to that dating scand but first I really need to talk to Dave. He's been waiting a while on this credit card thing. Go ahead, Dave, what's going on? Dave? Yes? What do you need to know? Dave? Yeah? I uh had my card worked on and I called me in. I paid it off half cash and have credit cards. Now that's making a funny noise. I took it back and sant drive it another five hundred mile in my creck itself. And I don't believe that he's sparing it. Oh so wait a minute,

do you want to do You want to contest the credit card charge? Well, I want to put it on hold until he picks it under one tea. Now, what do you mean put it on you put it on hold? You mean the payment that you made half of it until he fixes it, right, right, and that half was done on credit card? Right? Nineteen? Okay, hold on, let's talk. Let me noodle this and I'll come back with you on that. Three oh three seven one three

talk seven one three eight two five five. Dan Mackenzie for a state planning Mackenzie law, I know, I know Dany does a great job. He'll meet with you personally and go over your estate. He's uh. I like that personal touch. He has a smaller firm. I call it a boutique

firm. It doesn't mean they don't know what they're doing. He certainly is an expert at protecting your assets doing trust wills and simple plans or complicated whatever you need eight three three COEO Plans eight three three Coeo Plans or coeoplans dot co. 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 O three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here, fix it twenty for seven. Remember right now, make you you get on the books

twenty four dollars and seven cents. You will never find that deal anywhere ever again. Oh, I mean not ever again. You might, but I'm saying you won't find one better in town. Fix myhome dot com seven two zero five two six thirty nine thirty nine. Now listen, I know we got this dating scam to update, and I'm just begging for her, uh, for her patients, because I do have to help some people that called in, and then I want to get these comments on registrations. So,

Dave, I'm on a dispute for your credit card. Let me just get right to that. You can dispute a particular charge. Now, what they do is they're not going to stop that one charge. They're going to stop that credit card completely, okay, and they're going to retrack that charge. But you have to contest it based on a few things. Unfortunately, bad customer service is not one of them. Now, it's not not even breach of contract. You do it based on the fact that you did not get

what you paid for. So you see what I'm saying. So they're going to question you and asked if you tried to work it out with the merchant. They're not going to just hold it because it's under warranty and you want to be sure it gets fixed. They're not gonna do it if you call. However, if you call and not get into the weeds with them and

just say this was a fraudulent charge, they'll take it back. But then that and here's what I want to tell people, and something I don't think people know, when you have a dispute with a credit card charge and the credit card agrees with you, that doesn't mean you don't owe the money. Do we know that? Of course it doesn't. The merchant can still come after you directly that the credit card company has no official capacity to rule on a debt. So you can call it fraud and it's a little white lie.

Or you might think it is fraud if he didn't do it right. But if all you're concerned about is holding him to the warranty, you're not going to be able to do that with your card. Does that make sense to you? Yeah, I guess it's just the way it is. What makes you think he won't honor the warranty? Well, it's the talk two on a core debt. If you don't get that shot into that flywheel area, tune up that bearing and everything else. Well, what makes you what

makes you think he won't do it? He's got bad reviews? Okay, sorry, Dave, I can't tell you anymore than I did three or three seven one three talks seven one three eight two five five norm Why are you registerred in Idaho? Hey? Tom? Yeah, I registered my business trailer in Idaho because I pay a one time fee of one hundred and twenty five dollars and it is non expiring. How much would it how much would it have cost in Colorado? Didn't even look heard about this deal. I was

like, I'm going to try it. And sure, did they require an Idaho address? No, huh, they know I'm out of state, but you have to be a business. You just can't register your personal trailer there is you gave them a Colorado address. Yeah, yeah, they mailed me my life's plate to Colorado. You didn't even pretend that you do business there. No. I even called the guy and because I couldn't believe it right, and he was like, yeah, yeah, it's on legit, but

a business trailer not a vehicle. Well I understand that now, so you can't do a vehicle there. I didn't even check that I already had the vehicles registered here that are already paid for, and I might look into it come you know, renewal time. But all right, thank you. I appreciate the information. I want to know anyone who's registering stuff out of state. Three oh three seven one three talk. I'm not going to do anything except I'm getting this information. I may do an article on it. Uh,

Storm, what do you mean you registered weapons? What tell me about that? Yeah, Michelle, proclaim privacy guy, and Miyoming is the best place in any of these assets that are still on the books with the state in the society wants you to follow these rules. There's a thing called a registered agent, and it puts a buffer between you and your ass right. The registered agent is is someone who has a presence for you in another state. But normally to do a registered agent you have to have a company,

an LLC or a corporation. Right, that is correct, And that's why you just make sure that you fill out that paperwork and then you could put whatever you want into that company. And what do you put and and in other words, you actually have an LLC registered out of state that you keep stuff in. What do you keep in your company? Well, when it comes to the privacy of my weapons, you know, we want to make

sure that we follow the laws of the land. You know they want us to you know, have the state wants to know what weapons you have. But when you put this in this LLC, that makes you sure that you have a buffer. Now, the Storm, I want to ask you a question quickly about this this weapons thing. Uh is there? I'm ignorant. I'm sorry, I'm ignorant on this. Are all of our weapons registered somewhere

under your name? This like the States wants to know. Like, but but when when you buy them, they keep a record, right, so it's registered, but you don't have to renew that, do you? No? What I do is I put it into this LLC registered agent so that if I ever get a notice, Hey, you get it? You know, it gives us an opportunity to like have a buffer zone, right to handle the next So when you go out and buy a gun, the LLC is buying the gun. Correct, It's okay, got it? Got it?

Now private gun sales. You're not required to register guns when you do a private gun sale, are you? No? Right? I don't think so. Again, this is just a buffer so and I no, I get it, Storm, I get it. Thank you very much for for that information. I'm mainly looking for people who registered viles out of state to

save money. There are tons of them. And what they say is now with the newcomers and all of the law enforcement, you know, the shoplifting, the crime, the homelessness, police are not focused on running license plates and giving people a hassle, and they seem to have their attention diverted. Wow, Lucretia. Back to you, now, Lucretia, I did extensive image searching on this marine. The only place that he shows up, The only place is Snapchat. There are no other photos of him anywhere, and

we're talking sixteen billion images or something. They said, ridiculous, But oh, I can't. I can't find no. Seriously, use some really good stuff that a caller told me to use. Plus I use Google the image search. So you can't find this guy anywhere except Snapchat. So he must I mean that doesn't mean he's real by the way, that means he made

a photo and there one came back saying, is this artificial intelligence? Now I don't think the guy's that good looking that you know it's artificial intelligence. But I imagine you can create images through AI that actually become a picture on the Internet, but there's no history to it, and I think this might be an AI image because of that. Now, the next thing I want to warn people this is this is something that happened to Lucretia, and this

is really important. Lucretia, how how did you first get approached. I want people to hear this. How did you first get approached by this guy? Well? First time me say, on Snapchat. I was on there because my granddaughters, you know, my children, and I started I thought it was cute, you know, they have cute you know, cartoons and all that stuff. And that's how I got onto it. Well, later on I started getting like messages like from not just this one, but I

mean like all over, you know, just requests and all this. I started exploring that just then. That's how I like, what kind of request? So I'm not too familiar with Snapchat, but if you have an account, if you have an account on Snapchat, people can ask you to be a friend. Well that's yeah, that's what happened with me. Yeah I

don't know, okay, anyway, yeah, that's how it happened. And so I just was, you know, like clicking on it as to all of that, like even you know, they advertised like flowers or animals or you know, pets for sale or whatever whatever it is. But anyway, and so that's how I started like knowing, well you can message somebody. Yeah yeah, and that's so. So this guy when he first when he first messaged you, what did he say? Well, there was a whole

bunch of messages. I mean I was just like wow, you know, clicking on them, like oh this one looks just different. And you know what I mean, I was clicking you know, each one, not just his. Okay, and then what then what happened? So then it just you know, it just it just came to a conversation. You know, a few of them was kind of like, you know, just was not my I was like, whoa, you know, it's just messaging and they get to know you and all that. And so that's how I came about

all this. I was like, okay, my interest was more. And then pictures came about, and I mean, you know, just different messages. So and I happened to click on his and like his and so a little bit more information and talking and so we had been talking already. Uh probably did you ever did you ever hear his hold on? Hold on with Cretia? Did you ever hear his voice? Or was it always snapchat? No? It was always just texting. Yeah, just the text. And

I didn't even know about the voice, you know what I mean. It's just like I was so new that all this and help me out again. Here, help me out again. On snapchat. Snapchat's only pictures, not any words. Right, Oh well I can message my granddaughters and on snapchat or on text I'm sorry, yeah, on snapchat? Okay, how we like even do the video where I can have a picture, okay, a picture and picture where my picture I could change images and put like okay,

got it, got it? Okay, So this guy was snapchatting you and I see some of the one of them, what was of his shirt off? In his eight pack and all of that. Yes, afterwards, I was like, oh, we could do personal pictures. Yeah, that's what I'm saying. I'm just like learning all this. Now I want to I want to ask you something. Did you from your phone? I didn't even know did you send any personal pictures? Well? Yes, of course, I yeah, got it? Got it? Got it now? And he

did too, So you thought this was a real thing happening here. But after where years after while, he just started just you know, like, oh I can't right now, or and then it's night over here, and I go, well, then why are you on the phone? Then you know, I'll deny. I told him because it was day here is what I And did he say he was an active military? He was active service, right, yes? Okay. When did it get around to the money. How did that happen? Oh, like I said, about four months,

four and a half months. I mean nothing about money. I was just all here, you know, just talking, getting to know each other and just you know, and it was just and just yeah, and that's why I liked it. And it was like, okay, well and then I told him, well, you know what I'm just because you know, she was like, oh, well, you know where you live? Where

do you live specifically? Later on? And so I was like, you know, Denver whatever, and then so yeah, and then so he was like oh and then I said, well, but I'm moving and you know, just like more personal in form. He just sounds comfortable, right, And so I just thought, oh, well then I'll maybe it's the best that I meet you in Florida and or wherever we're going to go, just outther state. And what confused because then I started was like, oh my

god, what am I like really getting personal like stupid? So I started like saying other things like oh, well, you know, whenever we were deciding maybe we can go over here and did you want to meet him? Lucretia, did you you did want to meet right? Well, yeah, yes, of course. Okay, now I have to ask this when what excuse? When did it get around to money when he said, well, now he goes, oh, I was stupid and I lost my bag with my credentials, and now I need for you to, uh, you know,

give me information. That way I could put my money that you know, my money, my pay or whatever into that accounts. So then when I could I could pull out for the ticket because I don't have my ID and so you know, I was like, oh man, that's a drag and oh you know, and so so what did he say he was going to do? He said, if you open an account or not open, but if you have an account and give me the information, I will deposit

money the money, Yeah, send me the money. Then that way I can make the Then I could buy the ticket and then get and then meet you over there. All right, hold on, I'm Tom Martinez. Hang on, Lucretia. I want people to hear what she did to try to protect herself, and I don't want you to fall for this thinking you're protecting yourself. And how it ended up. Then John has hoa loss assessments.

This is a major deal. Please hang on and Robert Auto Insurance. I'll take all of you coming up. Plus fixmihome dot com for the best deal ever on that ac cleaning. I'm telling you twenty four dollars and seven cents Fix my home 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. 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 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. Hey, I'm Tom Martino, your troubleshooter.

Yes, I am three h three seven to one three talk. We got to get to the phones. We've got a lot of people and so much to talk about. By the way, so uh before I Lucretia, I'm gonna go back to your dating scam. But I want to first take John on this h way. I want to this is a major problem facing all of us HOA assessments. God am I getting a lot of flat for the articles I did, But it's absolutely positively true. People are they're dying over it. I mean, you know, not dying, but they're losing

their condos and stuff. Tell me what's going on with you? And it's all due to insurance. It all boils down to insurance. What's going on? Man? Yeah? Tom, thanks for taking my call. Hey, My question is after the owners don't approve the loss assessment, what actions can

the board take? Okay, if you are on a an HOA board and you have people in the community that won't pay pay their fair share, and it's truly done according to the bylaws, and you need to do the roof or you need to do whatever, and you guys need this money, what you can do is you can put liens on those units. You need to have an attorney who knows this stuff, and they put a pro erta lean pro rata, so it has to be a fairly assessed lean for that section

of the roof. Technically, now, I don't mean a section like a section because for example, with a town home, you have an easy demising of a roof. In a condo, you don't third floor middle. What do you charge them all? You charge the pro rata. You divide up the bill like you're doing for your assessment. So how much is each a assessment with the HA how much is it? Well, Tom, it's ten

thousand and some loose change. We have three categories and each one is ten thousand in a loose change, like I said, in category one, two or three. Okay, So therefore they have to pay ten grand. Are you having owners who refuse to pay it? Well, we're getting ready to take a vote coming up next week, and I'm just trying to Okay, here's what you do. Here's what they can do if it's a legit assessment and the bylaws are written properly, which most of them are. Most bylaws

are. I've done fourteen subdivisions, and in every subdivision I did, I had attorneys right up this boilerplate. They knew what the hell they were doing. I would only change minor things like the size of houses and the covenants and all of that. But it here's what the bylaws allowed leans on the property for non payment of assessments of any kind. That's it, Tom, That's the way I read it too when I look at my biology. Yes, and if you can't buy it. Here's the other thing. Now,

here's what a lot of Ho's ask if I put a lean. If we put a lien on let's say, fifty units that aren't paying or ten units that aren't paying, however many that still doesn't give us the money. Well, it kind of does. Almost any bank in the world will loan on collateral. So you can do a loan, and then the assessment is also when you put a lean, also carries interest with it. And then unfortunately, the next level is foreclosing. And all of this has to be done

with attorneys. Do you guys have a management company? We do it, sir. They probably know every problem that they know how to do it. They even know how to get financing for the roof. Let me call me back after the vote and let me know. I mean, look, people might be saying, Tom, you normally talk about protecting consumers and Hoa's you know, and you don't like Hoy's. But here's the sad fact. When people call about assessments or any other problem, I say this the hoa is

you. They're not strangers. They're not going to Tahiti with the money. They're putting it on the roof. You have no choice but to pay it. It is not their fault that insurance won't cover it all. It's not their fault that you need to repave the parking lot. It's not their fault. They are you. If you fight them, you're fighting yourself. You're all in the hoa whether you like it or not. And people on the board take the heat. Call me back, Robert and we'll give you step

by step. I'm Tom Martino. This is an incredible topic. It's going to be a major problem, major if you have any kind of community property. Back to the dating scam and your calls three oh three, seven to one three talks seven one three eight two five five and then sues wants me to plug three oh three Martino so we can have messages to call back for

people who can't wait. And then don't forget fixed my home dot com sevent to zero five two, six thirty nine thirty nine for the most spectacular deal on the deep ac clean and tune just twenty four dollars and seven cents go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no

obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one Help. You'll think you're his only customer 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, your troubleshooter three O three seven to one three talk seven one three eight two five five. Let's uh,

let's talk to Jim. He has a question on registering cars out of state. Then I'm going back to Lucretia after the top of the hour and I'll tell you why. We have some people investigating this and we're trying to get her out of that bill with the bank, and I want to I hope have good news for her. Jim, Yeah, you have a question on the cars registered out of state. I do normally when you register you're oh, you're get insurance and ask whether the vehicle is garaged housed, et cetera.

So is your insurance when you do that is still valid with out of state plate and you have no residency? You know what, Let's get Compass on. You bring up a good point. Let's ask him. I'm going to get Compass Insurance on and ask him if that would complicate insurance. Great question, Jim, you can. You don't have to hang on unless you have another question. We're going to get them on after the hour, and then at the dating scam people, you have to understand what Lucretia is facing

right now. And I'm dragging this out because I have people behind the scenes working, So hang on. I'm Tom Martino three oh three Martino of course three oh three six two seven eight four sixty six or three oh three seven one three talk. Go with a sure thing Denver's best roofer Excel Roofing dot com. Don't pay a cent until you're content. Leave 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. Yeah, ripped of ad news, delet advisel. You don't have the come running just as fast as we can. Show Shooter's gonna help come man. This is the Troubleshooter Show. Now,

Tom Martine, Hi, Tom Martino here, Welcome to the show. Three oh three seven one three talk three oh three seven one three eight two five five. We had an insurance question. I think it was a good one. I want to ask Brian Burns, Compassed Insurance Group home of the free insurance check up. Remember that you can always get an insurance check up by simply calling three h three it's nine nine six. I got three three nine niney six nine thousand. I had a brain fart there for a minute.

But in any case, let's talk about this. So we're getting calls, Brian that our people are really and by the way, you're inundated by calls with the town homes and the condos because of the roof and the HOA is looking for coverage and all of that. And that's a whole different topic. But now we have people upset with vehicle registrations in the state of Colorado going out of hand. And we have people and Brian, you're not a police officer, you don't have to enforce the law. But and you don't have

to give me names. But people are registering expensive vehicles out of state. They have they're just doing it. They're Montana's one state. Another state is uh South Dakota, and another one is Idaho. And they're registering cars and then the plates are sent to them through the mail. Okay, what I what some what someone asked is and by the way, they're not lying to the state. They're not saying that they live there or anything. They're not.

And and what I'd like to know is does that affect insurance? If I live here in Colorado and I have an expensive car or a motor home and it's registered somewhere else, does does insurance care? Are they going to look for a reason not to pay me? No, it wouldn't be an issue of not having coverage. Here's here's the issue. Most states are going to require that you have insurance in their state and order to get the registration. So obviously Colorado is for sure if you try to register a car here

in Colorado, they have to have proof of Colorado insurance. So when people register out of states, a lot of times what they find is they have to insure it in that other state as well. But if they insure it in that other state but it's domiciled, you know, does that company say, hey, you were If they find out about it, they would just non renew and say, no, you have to be domiciled in this or you have to be here at least fifty percent of the time. But it's

not I want to stress, it's not a coverage issue. In other words, you have an accident, No, I get it. I get it. So are you saying then if I register my car in If I register my car in Colorado like it is, and I really am living most of the time, most of the time, let's say, ninety nine ninety eight percent of the time in another state and I just come back here to see my kids or something. Am I going to get in trouble with my insurance

or they don't. The insurance doesn't care as long as it's registered here and insured here. Would I be covered in Oklahoma, or in Florida or in Arkansas? You would Yep, you would not be in trouble from an insurance standpoint. I know that there's some rules as far as with the DMV of what their expectations are from, but from a standpoint of insurance, it wouldn't be a covert issue as So, wait if I call you then and I wink wink, I have my car registered in South Dakota, Brian, would

can you write a policy that would be effective there for them? Well, so you're saying a South Dakota policy, I don't know. I've never even heard of South Dakota. I thought a policy as a policy as a policy. No, it's a policy, is not a policy. So what I'm telling you is if you try to go register your car in South Dakota. When you try to register it, and I don't know about every state, but most states are going to require that you also show them proof of that

state's insurance. What do you mean that state's insurance progressive? I'm sure is there just like it's here. Yeah, but there's a progressive set. You have to write the policy in South Dakota. There's a South Dakota form for progressive. Are you kidding me? Oh? No, No, If you're if you're writing it, it's a Colorado. If I write in other states, which we do, we write in other states, I have to specifically go and put that rating state in to build because rates are different too.

It's all different. Oh man, So what do you call it? The insurance must be written under the states? Why that where your car is registered and it's under the state laws or under the state form you mentioned? What is he? What do you mean? Yeah? So the insurance like, so whatever a county you're trying to register your car in when you when you go there, you always are needing to provide proof of insurance when you're registering

a new car. When you do that, Okay, going to look and say this is not you know, if you came to Colorado and you you had South Dakota insurance, they'd say, no, you've got to have Colorado insurance to register the car here. Okay, I'm going to ask you something crazy. Are there any states that don't require insurance anymore? I don't know

any states that don't require insurance. What I don't know how to answer you is if there's a state that doesn't require insurance, from that state, almost every state that I'm aware of does, but there might be a state out there that doesn't care as long as you show insurance. You know what I used to be. I used to live in Florida going to college. When I lived down there, there was no insurance required. Did you know that, m yep, that was a long time ago, of course. Yeah.

And Florida is its own world with insurance. Obviously we don't write there, but it's got It is one of the toughest states in the entire country to get insurance. Where Florida you specifically home, I should classify that home insurance is almost impossible to get there. You have to a lot of people have to go to the state funded insurance. Now, okay, well, Brian, thanks for the answer. Three on three seven one three talk seven one three eight two five five. We have an auto insurance? Was that

Robert? Who was Yeah, Robert, that's another one Robert has. But that's not about insurance, that's about recourse. I think we've wait. Is this a new call, Robert with your auto insurance? Is that a new call? Robert? Sorry? I thought it was the same one, Robert. Yeah, Sure, what's going on with you? Matt here? What's happening? Nothing? I, So I did an auto claim. I hit a curb and popped some tires and the eating front of alignment, some tires,

and I have a debt on my door. Yeah, back into something. And so I tried to make a claim on my insurance. I have perfect driving record, perfect insurance. They made me make two clans for five hundred dollars each. Because why is that? Because they said it was two different courages. I said, well, I'm trying to fix it all at once. Wait a minute, I thought, you said, O wait, wait, so when you hit the curb, you did what damage did you do? I popped, I popped a tire a bit, two rims and

do my foot and alignment out. Okay, okay, A lot of times it's not worth doing that kind of coverage because but okay, so you hit a curb and you you damage tires and uh and wheels. Okay, but then what about the dent in the back on the it's on the door, So I was it snow doubt? And this was was this a previous Was this a previous accident about a week before? Yes? Ah, so and so I got what my problem is though, is they made me make two claims I haven't, and that's proper, by the way, that is proper.

Yeah, no worries. But here's the kicker. Now, I've already had at the body shop, the car's done. But now they're reviewing the second claim. I mean, what are you reviewing the cars? Why? Why? I don't know. I don't know, because they're telling me that the insurance hasn't paid them for the claim and my car is sitting there waiting right now at Brutefield. How much is the second claim? They're both five hundred dollars or a thousand dollars claim, but they exceeded my dollars. I'm

asking none. Please hope they're they're only you're telling me total damage on your car was one thousand dollars for each claim. It was no for each claim. I think it was seven on one and over six hundred and seven hundred on the other one. So with the two claims, Robert, Robert, why why would you file? Why why would you file an insurance claim with seven hundred dollars worth damage and five hundred dollars worth of damage? I don't

it doesn't even make sense to me. It's over my that's what date estimated to that it was more than that. Robert, Robert, are you talking about? Robert? What is your deductible? I think you're really confused. What is your deductible? Five hundred dollars? Okay? How much was the entire claim? Number one for the wheels and tires? How much was that

claim? Seven hundred and fifty dollars minimum? You mean to tell me you had a seven hundred and fifty dollars claim, and even if it was a thousand dollars claim, you put in an insurance claim and paid five hundred of that just to get that five hundred dollars from insurance? Is that right? You get it fixed and to give me Okay, let me explain this to you, Robert, I hate you. If you have a thousand dollars claim. I know this sounds silly, and you have a five one hundred dollars

deductible, the question is should you use it? Well, of course, it's your insurance, so you pay five hundred, your insurance pays five hundred. But let me explain what that does to you. It's going to cost you more than five hundred dollars when they raise your rates, and that claim's going to go against you. Now you had two claims. And what's worse is you had two claims in one month. So now they do five hundred

dollars on one and five hundred on another. You you what what I'm saying is it wasn't worth putting in a claim for the devastation it's going to do to you. They may not renew you because you had two claims. You have way more problems than this second claim. I mean, how much was the second claim for that? How much was that dent to repair? If you took it in off the street to repair it without insurance, how much would the second dent have cost you? Twelve hundred to fifteen hundred dollars?

Twelve to fifteen hundred. Again, I know people think this is weird. They asked me, why would you have insurance? If you can't use it? You can use it, But first of all, I need to tell people this. You should have a minimum a minimum of one thousand dollars deductible or a maximum minimum. Yeah, not five hundred. In fact, if you can have a twenty five hundred dollars, if you could put in a CD twenty five hundred dollars for accidents, a CD a savings take it out

and have a twenty five hundred dollars deductible. Your insurance rates would be astronomically lower, and that twenty five hundred would be earning interest. And if you don't get into an accident, you won't use it. If you do get into an accident, you will still be far ahead. So your first mistake was you only had a five hundred dollars deductible. Your second mistake is you actually used it. So now I just want you to know, even if

the second claim is paid, they're going to say bye to you. What's the name of the insurance company. It's keep Insurance. But guess what, I have a perfect record. So my insurance I was paying three hundred fifty dollars. I got another insurance claim another insurance to texted and something two hundred and thirty five dollars. I'm saving over one hundred dollars. I've already changed over. My car is hold On, hold On. So the old company.

You're no longer with that old company, you know, because you did. They did exactly what you said. They gave me a nonrenewable so I wow. So they did cancer way, So they did cancel you. And here's what's amazing to me. You're an amazing person, Robert. You got canceled for excessive claims and another company did not care. Nope, are you kidding? Are you really okay? I got to get Compass back on this is I want to know what you did and how you did it. Did

you get the new I just don't know. I've never heard of somebody being canceled for excessive claims. I never heard of a company doing that ever, and another company picking you up cheaper. Your payment is two hundred and thirty five dollars a month. Yep, Okay, hold on, hold on, Brian, I don't know. Brian is still there. He is still there. But we got to break, Tom, Oh my god, this is unbelievable. Will break. We'll come right back. Go with a sure thing

Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies find out now three all three seven 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 here three three seven one three About god, we have so much going on right now. Hey, Brian, I want to ask you something to Brian is from Compass Insurance Group. We still have the dating scam. I promise you will get to and then don't forget fixmihome dot com. We're gonna tell you what it can save you in a minute. Here for twenty it's twenty four dollars and seven cents in honor of fix at twenty four seven Fix myhome dot com for extreme clean and check of your furnace.

But Brian, I got to ask you this. This guy Robert had two claims in a month, a perfect record, but two claims in a month because he had his wheel and tire, he hit a curb and then he had a dent from the week before snowstorm and they made him file two claims then cancel them. Can you, now, with a perfect record, can you get canceled for two claims in a month? You absolutely can? Yep? Why well, let me make it clear. You can't get canceled.

You can get non renewde they can't cancel you mid t Well that's what he means renewal. Yeah, then okay, they would not remove then. But he was able and tell me why he was able to go out and find insurance cheaper than the one he had. So I was listening to the conversation and your advice, by the way, to never make a claim like that would be my advice as well. It's just too little of a payout

for a collision claim like that because they're at fault. But as far as finding a better price than he was paying, the only thing I could guess is one they maybe didn't they didn't know about the claims. In other words, when they pulled the clue report the claim history, it wasn't reported yet or hasn't hadn't been updated yet. That's one possibility. The other possibility is he was paying way too much for insurance before. I guess I don't know,

all right, listen it is it? Okay? So what about deductibles? When do you not save money? Well, I mean I was listening to your advice there too. I carry high hundred deductibles as well. But there are times where like going from one thousand to twenty five hundred doesn't reward the person enough. Now I'm with you. You wouldn't want to make a claim for under twenty five hundred in most cases in my opinion, for a

collision. But if you had a big loss, Let's say you had a thirty thousand dollars loss, you'd make the claim and you'd be out that twenty five hundred. So it has to reward you enough. Well, that's what I'm asking you. You've done the math. You're a genius said this, what is the magic number for saving where beyond that it doesn't save you that much. I would always say that this is a judgment call for people is

the problem. And if you're paying very little, let's say you out some older cars, but you're carrying collision and comprehensive on it, if you go from five hundred to one thousand, it might take it twenty bucks. But if you have a Mercedes or a you know whatever, an expensive vehicle and you have bad driving record, you're paying four five thousand dollars for your auto insurance, it may it's a big difference. So it really depends on what

your premium is. It's not necessarily as easiest saying always do this, Okay, so you do the math. Yes, okay. So if you do have a low deductible, that doesn't mean you should use it all the time, right, that's right, Okay, that's what that means. But you know, and people were like, well, why am I carrying it? Well, if you have a big claim, you're still out only that lower

deductible. You know, to me, if it pays itself back within three years, two years, whatever your threshold is, it's worth it to carry the higher deductible. In my opinion. Some people are like, but I can't come up with twenty five hundred or a thousand nine. I understand that. So it's really more of a you know, a per person choice on

that. Here's what I want to know. If you have a five hundred all deductible and you use it for a thousand dollars claim literally or twelve hundred dollars claim, do they say, well, it's not that much, we don't mind, or do they think this guy's a pain in the ass. I really need to know does it count against them the same as a big

claim? So for your current carrier that renews. The state doesn't allow the insurance commissioner doesn't allow them to surcharge for a loss less than one thousand dollars. But if you go to a new carrier and you have a five hundred dollars claim, they absolutely can charge you, and they'll charge you for it. Now, But what I want to know is this, can they not renew you for little claims? Well? Yeah, you can get non renewed

for really almost anything because it's their choice. At renewal, they're basically offering you a new policy at renewal. Okay, now, okay, here's the question though, if you had two small claims or two big claims, does it make a difference. Yes, it does. It does make a difference if it's under a thousand dollars claim. Now if it's over one thousand, it doesn't matter. It's the same as if you were, you know, you had a one hundred thousand dollars claim versus a five thousand dollars claim.

You're charged the same. The only reason I would hesitate on that is if you're trying to get underwriter approval, you're getting like the system is saying you need to talk to an underwriter. An underwriter, an actual person will differentiate between the two. But you know, just the quick black box that it gives you a rate, it doesn't differentiate you. You're being charged for that smaller claim like you would a large claim. Until when what does what does

count to the number? For one thousand is where you're going to see all insurance companies charging you for it? Okay, And and they charge you the same if it's a thousand dollars claim or if you get twelve hundred dollars claim or a one hundred thousand dollars claim. Yeah, other than if you're with an underwriter, a natural person that you're trying to get an exception for the account, which we do. You know, sometimes the system will say no,

we won't approve this, but you need to talk to underwriting. And then when you talk to underwriting, they'll look at the accounts and then and they would differentiate. A person would differentiate between the two. Okay, if you if you go to underwriting, yeah, but you'd have to have a broker that does that for you, right, yes, yes, if you're going on to Tycho or one of those, it's it's black box. If you're getting the rate and it's either going to accept it or not, or

charge you or not. There's no discussion. Okay, man, this is really good stuff. So you need a broker who can actually talk to underwriting for special circumstances. Is that what you're saying? Absolutely? And even more so on the homes because they will. You know, there's gray areas where

you can talk to underwriting and you can. You know, I can't tell you how many times I've discussed waterlow us as an explain Hey, this is what happened, and they replace this hose and this has all been cleaned up, and I've gotten exceptions to be able to write accounts that would have been it would have been a decline right away. Man. That's incredible. Okay,

I'm telling you, I love this information. I appreciate it. Brian at Compass Insurance three oh three nine ninety six nine thousand go with a sure thing Denver's best Rufer 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. Hi Tom, watching A you're a troubleshooter three three seven one three talk seven one three eight

two five five man, we are busy. We are going to UH after the first after the hour, I mean the top of the hour, we're going to go to more on the dating scam because I had to put that on hold for a minute because I want to help people who've been waiting. Robert still has that original problem. We're trying to solve that on what you do. But I don't think you could do anything, Robert. If they're questioning the claim, that doesn't mean they're going to turn it down. Are

you there, Robert, let me get through you real quick. So the reason you called wasn't because of the non renewal. You called because they're questioning the second claim. Are why are they questioning Robert? Why are they I don't know, but they're they're the car's done and I'm paying out of pocket

for reimbursement. And I've already run out of the thirty days on each one of those claims, even if they're going to put it on that I spent twenty four hundred dollars on a rental car and my car's done and they're still driving. Wait a minute, what are they questioning? Are they questioning the rental car or are they questioning they repair the repairs? I guess they haven't paid. How much is that second claim? How much is the second claim?

I don't know, but they still haven't paid them, so I can't get my car back. And I'm like, no, I get it, bro, I get it, I get it. Why are they You need to talk to your agent? Why are they questioning the claim? It's right now. It's the body shop is telling me. They're they're giving them a hard time. It's not me. Why did you do you have who's your insurance or that? Not the one now, but the one handling those claims, temper insurance. They won't. Every time I call them, they just

yeah, and they just keep on. Do you have an agent? Do you have an agent? They keep ponding me up to different agents every time, a different adjustment. All right, I'm going to give this to somebody to call and find out. We need to find out why they're questioning the claim. So who's in the studio we got, Chopper, Can you take a stab at this one? Let's do sure you hold on, I'm going to give it to somebody to start making some calls to see if we can

find out why. Look, I can't do magic, but we'll find out why they are doing this. I mean, I have no idea why they are questioning a claim, so sorry about that, but I'm telling you, man, it's going to be that. Once they question a claim, it's a pain in the ass. Hold on now, I want to go to uh, David, David, go ahead, what's just going on with you? David? Yes, I remember in the past you had mentioned that you had given someone permission to use like a drive. I don't know, Wendy's,

chick FLI whatever it was. Oh, I remember it was eminent domain. Here. Let me let me explain that to you and then you can give me your problem. I had some commercial property and Wendy's mistakingly built their drive through encroaching on my property. And it was like, uh, I noticed it when I was getting ready to sell my commercial property as a tall Oh it was, that's right, Mark, it was taco Bill. You're

right, you're right. So I decided, in order to keep them from claiming it as their own, I wrote an agreement letting I sent them permission saying your land is encroaching on my property at such and such, and I sent the survey and I said, I hereby give you permission, a revocable permission or something like that. So what that did? Let me just explain

why I did that. And I thought it was ingenious. But because if you have an obvious encroachment on your property and you do nothing about it, it's called a what is it called adverse possession, and they can claim ownership of it in a certain amount of time. So I just cut that off. They can never claim ownership, and I can even revoke permission at any time. You know. Their attorney even joked and said, damn it, you shouldn't given us permission, you know, I mean, so it was,

uh, it was fun. What is your so what about you? Yeah, And that's why I had mentioned that. And it's called I guess adverse possession as opposed to is it happening to you, Well, no, I just I just I I've got to get out to a property that I purchased last August, and I was just thinking, boy, I haven't been there in seven months. What's what if there's like a squatter or something seven

months It would have to go on for years to be adverse possession. But you should go out here visit your property, right, I've got to get out there. I just uh right, it's it's just a long dirt road. I was gonna move out there, but I'm having second thoughts. We'll see. But anyway, yeah, that was all things. So it's it's it would take. And by the way, it's not eminent domain. There's two different things. You're talking about. Eminent domain. You can't give permission

and all of a sudden control the situation. That's about adverse possession. As far as eminent domain, you basically can't do anything about eminent domain. You go to the court and the judge has to rule if it's in the public interest to take your land, and that's only a government entity or a bonding district or someone. Even if it's a private commercial business, it goes through

the government because they think it there's a need for it. Okay, I was mistaken, so anyway, And the main thing is that you would have to take quite a while before that could happen someone that's exact. That's right, that's right, So you don't have to worry about it so much. All right, thank you for calling three all three, seven, one, three h or five? I real quick? So, uh, we have a josh uh suing for? What is Josh? What do you want to

sue for? Well, you guys, a while ago, I was the one with the Samsung refrigerator that they gave me a coupon that you can't use. Wait, wait, why couldn't you? I forget why couldn't you use that coupon? I'm trying to look up your original call. You have giving me errors and then they'd say they don't deliver to my area. And I probably spent about twenty hours on the phone with them. But I haven't bought

a new refrigerator yet. My question is can I sue them for the sort of perceived value of the coupon or do I actually have to buy something and have the law. Well, here's the point. If you have a loss, it is the loss a result of what you had a warranty on the Samsung. Is that right? Well, there are class action lawsuits against the icemaking, But yours was eight years old, right a Samsung? Okay? And the ice maker was irreparable. So therefore they sent you a fifty percent

off coupon. And I figure an eight year old refrigerator that's not so bad, right then, So what's wrong with fifty percent off? Nothing? But you can't use the coupon. Nobody can figure out how to get it to work. When you go to a store, they don't know what to do with it. You have to do it on Samsung's website directly. And when you go to Samsung's website, what happens when you try to use it when

you put the coupon code in, it's his coupon code not valid. Did you call them and tell them that I probably have over twenty hours on the phone with them and they can't solve it. I okay. I would sue them for the value of that coupon for breach of contract. Mark knows how to do that, and he's not going to give you legal advice, but he can tell you how to do it because they they already acknowledge you get that coupon. You have the coupon, But do I have to buy a

fridge first that experienced the loss? Or Mark? What do you think, Mark? I'd have to hear it again, say it again. Here's the bottom line he had. I had a bad refrigerator. They couldn't repair it. They gave him a brand. They said, you can have fifty percent off a new one. They gave him a coupon. The coupon can't be used. When he puts the number in, they say it's bad. And then every time he calls him, he gets someone else. So basically that

fifty coupon is worth nothing. The question is Kenny sue on the coupon himself in small claims if you were going to do that. We're only talking about what you would do. You're not giving him legal advice. Or do you have to wait till you buy a refrigerator and experience the loss? What do you think? No, I'd go after the coupon. I just say spreech of contract, me too, and that's all I would say. I wouldn't say anything beyond that in the UH form, that's all. That's all you

say. Don't get into the wheeze I'm Tom Martinez. We have to take this break 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 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 and I'm Tom Martino and Hannah Davis's with us from fix at twenty four to seven. In addition to having this clean furnace, talk about the efficiency, Well, this is the AC. We're finally getting out of the winter months right and people are so excited. So we're

doing this deep clean for the AC prevents breakdowns. But this is the big deal. It also saves you money during the summer heat. You know, they said they can estimate and they just gone back and tracked up to thirty percent just to clean it and get it running right. And that's for a normal usage. So if you've got I think, what was it like an eighth of an inch of debris on there? And we've seen much much more an increase in efficiency, So think about what that means for your system,

right pulling your home, but also your finances during the summer. So you're gonna think about this. You save that you can save. I don't know if you save thirty percent on the bill, but thirty percent more efficiency. And then on top of that, you're getting it for twenty four dollars and seven cents. And they're honest to god, you can't do better. Okay, they just want to show you what they can do for new customers so you'll come back to them. That's all they want, and it's a great

deal. Fix my home dot com Fix my home dot com more coming up. Go with a sure thing Denver's Best roofer Excel Roofing dot Com. You don't pay a cent until you're content. Time for an insurance 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 all three nine two zero sixteen twenty two. Yeah, ripped off bad news. Need advice so you don't have a camerouning Just as fast as we can show Shooter's gonna help. Come man, this is the Troubleshooter Show. No, Tom Martinez. Hey, I'm Tom. Welcome to the show. Three all three

seven one three talks seven one three eight two five five. Don't forget waterpros dot net whole house water conditioning system for around thirty five hundred bucks. These guys are the best ever. And I'm just gonna say this. They there's no way anyone can touch their prices or their technology. The water will be good for your plumbing, both your plumbing and your house filming. Be good for your nutritional value. Seriously, get rid of nanoplastics, forever chemicals,

all at crap. If you're looking at organic food and then you drink regular water, you're crazy. Waterpros dot Net three oh three eight six two five five five four. Let's let's talk. We're going to get our date guy on. But I want to talk to Rich. Rich called yesterday and said, you got to see this movie Tom, and you didn't tell me. It starred Jason Jason Tatum. I love this guy a statum, I mean statum and I had to pay five ninety nine worth every penny on Amazon.

I love that movie. Holy crap, Rich, did you think of me when you saw that guy? Thinking I think Tom could do that? Did you think, Yeah, that's exactly what I thought. I was so happy when Suzanne I called Suzanne for something else for a phone number, and I said, hey, I said something about the Beekeeper with Tom. I called yesterday. She says, oh, yeah, he was talking about this morning

and he group texts you guys, you know to watch it. And I was so you made my day that you really did go home and watch it. Oh, I sure as held the people. I love. Hey, you know what I love. I love movies like that. Now, there was one other one about public trustees and I'm trying to think of the name of the movie, but you ought to watch it if you like those kinds of movies. It's about some Oh, hey nurse who's in the uh she ran a nursing home and she's the one that took advantage. I don't remember,

man, it's damn you know who it starred. Who's that guy from Get Me? I'm sorry. I'm sorry that I haven't mixed myself in I swear to god, twenty years I have. That isn't that hasn't happened in twenty years. He was in Game of Thrones. Come on, man, I don't know anybody know who you're talking about. Yeah, that guy, he is awesome and he was in this movie about about public administer straders and it was just incredible. His name is Peter Dinklage. Oh okay, and

Peter Dingta was it? I care a lot? Was that the name of the movie? Oh my gosh, how'd you know that? Because I knew that Rosalind Pike started it, So I just googled Rosalin Pike and it came up with I care a lot. Oh my god, it's that. It's such a good movie. I care a lot. Thank you? And uh so, anyway, thank you though for letting a snow rich keep an eye out for just snewer movies. Yeah, yeah, no problem, Tom. Anytime you and Mark doc's a little old, I think, but you and

Mark go out and posse you up and take someone on like that. I'd love to do it. Well, listen, man, No, no, we're always looking I'm serious. We're always looking for good, good deputies. I swear to you. So Susan will talk to you off here. Sus talked to Rich Smith. I'd love to have you with people as part of the team. I appreciate it, all right, man, So hold on, Sue's talk to Rich. And by the way, my YouTube morons by by proxy would be deputies, but they're they're they have to work on YouTube.

We ask how we communicate. How's that? Okay? And I noticed some people on on YouTube I haven't seen before. But thank you for being here. And uh, let's go to uh Jerry, Jerry, what's going on with you? Jerry? Yeah, I'm just curious. I'm having a new deck put on the back. Yes, and I just wonder if you've heard of grand View, deck and Patio. Now did you hire them first and now you're inquiring about them? No? I just got from them. Oh good, good, smart move. And uh tell me about them?

What they're called? Grand View? Yeah, deck and Patio. Okay, did you do all the normal checks not cheat? No? I don't know what else to check, Well, well, did you check online for reviews? Now? Reviews can be faked, but it's worth a look if you didn't do it, did you do it at all? No? I haven't. Okay, that's one way to do it. That's not the only one. You should ask them for absolutely, ask them for references, and then you need to check references. I'm serious. You can't just depend on what

they say. A lot of people. Here's what's funny, they give references, but they don't they don't. People don't check the references. Grand view deck and patio on Yelp is pretty dependable. But still they can be faked. And the way you know that is you go down the reviews and if there are a bunch of bad reviews and then really good reviews, you got a problem. You got but this one is not like that. This one it looks like they're pretty damn good as far as most of them and only

a few bad ones. That would be a sign that it's real. And you look at the areas that comes from. But I would ask for references and then where they get their supplies and literally call the place the suppliers sometimes and say I need to know if this is a good company to deal with. How long have you known them? I'm just doing due diligence. People love giving information like that, but definitely check references. Now, tell me about the bid. Tell me about it and how much deck and how much

is it? Well, it's going to be a composite. It's ten by eighteen. It's about at the house, it's about two foot off the ground and out to ten feet it's about three foot ten by eighteen deck replacing the one I have. And okay, so ten ten by eighteen. And does it have how many staircases? It'll be just one and then probably three steps going down. Okay, And what about the railing normal railing. Yeah, we haven't talked about that yet. It's going to be a luminium set of

used in composite. The railings, the railings, and what kind of composite are you using for the decking? A camera what he called it is supposed to be something that it doesn't stay. It's coated with something. It's not supposed to fade. And there's no screws ran the because it they lag it in in the side somehow they set it locked together that way. Oh, get the name of it and look it up. Really, Okay, the

internet's a wonderful thing for research. But how much is he saying? It is about twenty one Okay, so twenty one thousand, right, and you have basically one hundred and eighty square feet, right, not a big deck, and that's one hundred and sixteen dollars a foot. Now, I'm just going to tell you on first blush, Now it is composite all that on first blush because it's two feet off the ground, so you don't have a lot of support problems there. First blush just sounds pretty proud, you know.

I'm not saying it's a bad, bad but you got to check them out, okay. And and i'd like I'd like to get the name of that composite. That would be good. And then if you want to call you said pergolast Is that a composite. It's called Pergolastre the p E r j O l A s now. I don't know if that's the thingiel or you're not sure because I have a composite deck, but it's seventeen years old. It's pergo loss p E r g O l A s Is that what you're saying, yeah, but is that composit that's a decking, that's a

decking material, pergoloss. That's probably what he talked about. Then, okay, you need to look let's see, you need to look it up. It's it's I'm looking at it right now. I gotta I need to know more about it. But supposedly, you know, it's getting a lot of people believe in this, but any you know, a composite doesn't automatically mean no maintenance. Some of it gets destroyed. A lot of people put composites in they thought were wonderful and turn out to be crap. But I'm gonna

look at pergolos. That's what you're calling it, right, Yeah, And I'll look at that and let you know what I find during the break. Here's what I want you to do, though, I want you to uh. I want to check with somebody who do I check with decks? You know what, Genesis Total Exteriors. I want to try. I want to try to get them on, sus Do you think we can get Mark on real quick? I'll text him right quick. Let's try to get Mark on real quick. Okay, thanks, Jerry hold On, Tony what's going on

with you? Tony? You know we had a Disney subscription through Comcast for one year. Yeah. Uh, I got noticed that it was renewing. I called I canceled it. I have an email from Comcast saying it's canceled after a month. I didn't get a refund. I called Comcasts. They said, now, what do you mean a refund? Did they take out for the year or something? Yeah, you're paying advance for the year. Oh really, so you how much did they? Did you cancel before it

renewed? Uh? With If not before it renewed within a week or so of its renewal date. As soon as I knew it was renewing that day, I got an I get it. I know, I get it. Is this through direct TV? No, it's through Comcast. Oh Comcast? Did you Did you cancel with Comcasts or direc with Disney? Well with Comcast, we tried to cancel directly through Disney, but we were not able to long story, bottom line, we were not able to Okay, got it? Were you given this as a was this as an added value when you

got Comcast? No, We've had Comcasts for decades. You know what I mean is do you just added Disney and then you wanted to remove it. We yeah, we had it for one year. We paid I get it, I get it. Disney is really good. I mean this happened to me. Actually, I got Disney for some Star Wars stuff my kids wanted, and then they grew up. I didn't want it anymore. They were really easy at doing this. So are you sure? I mean, you don't have any online acts? You got a log on there right to get

to it? Oh no, you don't not with You don't do that with comcasts, do you. It's automatic access, isn't it. That's right. You don't log on on that, right, that's correct. You just s it's through your Comcast television, so there's no way to log on. You do not if you go to Disney Plus right now, can you create an online profile? Because I'm sure if you communicate with them directly, they're going to do it. Well, here's the problem. I've tried communicating directly with

Disney and with Comcasts. Yeah, Comcast says, oh no, you got to get your money back from Disney. Disney says, no, Comcast hit took your money. You have to get it back from Comcast. They're playing off each other. So I get exactly, I get exactly what you're saying. I go back to Comcast. I say, I want my money back. Final warning. I'm sorry, sir, there's nothing we can do. So I went to my credit card company and I disputed one hundred and forty

dollars of the bill of the latest Comcast bill. Comcast found out about that. Not only did they charge me not credit back my first month they I mean my first year one hundred and forty bucks. They charged me again, and they charged a ten dollars late fee. Wait a minute, I got are you telling me? Wait a minute? Are you telling me that they reinstated the one forty and then added an extra one forty They were, however,

go ahead. They never stopped the first one forty. So when they got noticed from the credit card company that I was disputing it, they charged me again because they know that they're going to lose one hundred and forty dollars from the credit card company. Yeah. But and what I want to know is this the net effect is let me know what the net effect is is it? Are you are you now paying two eighty or is it still one forty? As of this very moment. I am paying too eighty plus the

late See, well that's ridiculous. I mean, it's totally Do we have someone sos that Comcast that can look into this forum or not? Yeah, I'm not sure. I can't stand Yeah, Tom, So I got on the phone again with Comcast. I got a representative and I said, look, blah blah blah blah blah blah. The representative said, I see, I understand. I agree. I'm going to begin dispute resolution with you. He did that. I that was a week ago. I just got a

text from Comcast saying be patient, We're still investigating your dispute resolution. Bottom line is that I don't think I I think I'm paying two hundred and ninety dollars for nothing now, and I'm not sure the credit card dispute is going to be successful. All I think of that I can do now is sue them. But if I assume them, am I gonna Are they gonna almost said a bad word? Are they going to cancel me as a customer? Well? They they I don't think they will, but you know what you

should take in the small claims court on this. They do have a location here in an agent here. I really would, I swear to God I would. If you have proof you canceled and they charge you twice, it's it's egregious. So I would. And there are there's a registered agent that you can find on the Colorado Secretary of State. You serve them, Yes, as soon as you file that small claim, I guarantee, well kind of they're going to cave and just send you the money or whatever. You

just got to get their stupid attention. Sus. Do we have someone or not there? No, I'm not sure. I don't know if we do or not. All right, we have more coming right up. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. 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 oh three nine two zero sixteen twenty two. Hi Tom, Martine here three three seven one three talk Hey David, you got a W two issue? What's going on with your W two? This shouldn't be a problem. Usually this is taken care of. What's going on? Uh so, uh oh, I'm sorry, We're Oh there

you go go ahead. I'm sorry, go ahead, I hear you. So. Basically, my my old job, which is King Soopers, I now work somewhere else. But basically I worked for them for about a week to two weeks into last year, and they recently switched to online only for d W sorry for W two's I almost said d W two for some reason. But they are trying to have us a They're trying to have us go through a website called I actually have it right here here. It is my

taxform dot com. Yeah. Every time I try and register in order to get my W two, the uh the website doesn't send the registration code to my phone until like four hours after I'm locked out of the of the website. And the best way I can describe it is I try to log in or register and by the time that the code comes in, I've already tried getting new codes and new codes, and to no man it's so, did you contact them to tell the website people? Did you contact them to tell

them? What did they say? I talked to the website people. This is this? Is this Kroger doing this or King Soupers Kroger and King Shoopers because Coroger is well, King Shoopers is a subsidiary name. I get that, but but I'm looking on this website and there's no record they have They don't have Kroger as one of the selections, and I'm just wondering how the hell you did this? I mean, I'll try it again, King Supers. So I've talked to the King Supers corporate. They told me to go

to that website to get my W two. Then when I was having an issue with gang my W two on that website, I contacted the website's service phone number, which the website's defective brothers the website. I truly is it seems okay. I see King Supers Kroger and then you just hit it and it gives you the number. I mean, I'm okay, so far, what do you so? What did they say? Is wrong? When you

put in your their their number? So I put in their number. It gives me my tell me to put in my name all that in the email that I was that I had registered with King Supers when I worked with them, and then you simply can't You simply can't log in, right, I can't even register to log in. I say, when you put in the number, they say no employers found with that number. That's what I'm getting. And that's the King Soupers number that they gave me. So I can

whatever this. And you know what's weird about this site? Unlike any other site, there are no places to contact anyone. Yeah, I know. And I had to actually google the the freaking Koger website or Kroger corporate number to get a number to that website. Okay, did you call the customer did you call the customer service for that website? Yes, and they said they would look into it. And I have and I've contacted them again about all right. Let me let me just go to the short form. Let

me go to the short form. How much if you can't get a W two by the tax deadline? The I R S says to estimate And that's it. Okay, because I have the I have the my bank statement from that year. That has the cut. But do you know how much how much is taken out in taxes? Do you know how much was taken out in taxes? No? I don't. That's the problem. Well, if you estimate, I'm telling you, like whatever your gross was, and then

estimate whatever tax practice. I'm serious there, you're not going to get penalized and it's not going to come back to haunt you. You may get notice someday saying you know, we matched a W two. We can't see it, but they'll see the same employer and you make the adjustment then, but there won't be a penalty. You can't, Okay, there are a lot of people that can't get W two's, and their instructions have always been to estimate. Now you can call the IRS and make a complaint as well.

But I can't believe Kroger is not doing anything about this. So Kroger has apparently as of the year of twenty twenty four, as of January of twenty twenty four, they are they have switched to online only. No I get that, man, I get that, But they still have to help you get it or send you a PDF for something if you can't get it and tell them. You're going to the IRS, and I would go to the

IRS anyway. But again the last which is this okay Number one, You go to them and you ask them to send you a PDF because the site is not working. Call the IRS and tell them the site is not working. You cannot get a W two no matter what you do. And then estimate the amount of gross and then do the tax bracket percentage for state and federal and just estimate. That's all you have to do to avoid penalties. Again, who cares? It may never come back to haunt you. I

have more coming up. Don't forget fixmihome dot com twenty dollars. It's twenty four dollars and seven cents for the extreme clean of your AC check in tune and by the way, if you've never had it done, you're crazy. You can increase efficiency by thirty percent. Go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content.

Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven 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, you're troubleshooter three O three seven one three talks seven three eight

five to five. A quick note, Dan kaplis you know was that Channel four started there and I took him to radio and started his radio career with him, and he and I were both aligned philosophically, and our ideas haven't changed since then that much. Yet back then we were considered liberal. How does that happen? I know people who have kept the same exact ideas from the sixties till now. We were considered liberal and then it morphed into being

more conservative. I don't understand it. It's how did that happen? I didn't change, Tom, I stand for exactly. I stand for exactly the same stuff I did. The zeitgeist of the of the of the country has changed. There was something on YouTube the other day where they showed a State of the Union speech that that Bill Clinton gave, and he was railing against illegal immigration that we have to deport them. They need to be they need to be controls, the exact same thing that Trump is saying now, except

Bill Clinton was considered a liberal and Trump is considered a joke. Yeah. Hey, Drew is on the line from New Jersey. I've known Drew since I was on WABC the fifty thousand watt blow towards in New York City and beyond, and he's kept in touch with our show. What's going on Drew? Well, first of all, you want a big victory in New York City and the stock marker scandal. Thank you at what's going on now?

Tom? And I hope all as well with you, Suzanne. And the other gentleman is that we are putting out a new book that proves that God is true. I can tell you one of the quick proofs, and that organized religion is false and corrupt. What what's the name of your book, Drew? God is true, Religion is false? God is true, Religion is false. That'll raise them, Wye bros. Where are you selling it? It's right now. It's an Amazon And the author name, which a

woman gave to me when I was preaching, is Carrie Blessing. She said, use his name, so it's not under Drew, it's under Carrie Blessing. Ah, okay, good name, and I'm looking for it here. Hey, did you want to grab both copies that you sold? Wait? I see it a kindle edition here? I mean download that Carrie Blessing c Ary a cool pseudo name. What were you saying or what were you saying? A pen name? I mean, what were you saying? Both of the copies that he sold? What do you mean both of the copies?

What are you talking about? I was being facetious about the arm, about your meat, about your because you're a meanie. That's why Tom, I can tell you one of the proofs. Would you like to hear it? Quick? Go ahead? Fourteen ninety two, Columbus sail the Blue and people figured out that the earth was round three thousand years before fourteen ninety two. It's in the Holy Bible. The earth is round around around the circumference of

the circle of the Earth. Right, I read that. I know there's a lot of other things too, But the great that Romans figured it out well before. Hey, the Bible, that was before the butt, that was before the Romans. There you heathen by the way. By the way, uh, don't forget three oh three Martino three O three sixteen seven eight four sixty six and you'll get help. Leave a message. Also fix at

twenty four to seven fix myhome dot com. Remember that for for U twenty four seven cents, go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're contenth time for an insurance 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