The Troubleshooter 4-10-24

Yeah, ripped off. You need advice so you don't have come run into Just as fast as we can, Shooter's gonna help come Dix is the Troubleshooter Show. No Tom Martine, Hi, I'm Tom Martino, And uh we're doing it again, aren't we. We're solving problems, answering questions, taking comlaiints and I welcome you here as I do every day. Love love, love what I do and how we do it. And you know, here's

the deal. We don't always help people by helping them directly, because sometimes they're too far go on to problems, too far going, But we do help in a respect other people who who can prevent it. We can also help those who have a problem to know the truth about it. You can text me here at any time five seven, seven three nine. Put Tom in that message. It gets to me, and then it has to have

a first name in it. And then you can also reach me on the phone three oh three, seven to one to three talk now that's the station's number. Then we have our own number that you can call twenty four to seven and you can leave a message we're not answering, and we'll call you back to get on the show. Of course, there's no obligation if you call, just leave a message. Three oh three Martino three oh three six two seven eight four six six. Today is Insurance Day. I love insurance

Day. If you're one of my YouTube morons or Facebook flunkies, you'll see Brian over here to the right, Brian Burns Compass Insurance Group. We do insurance check ups. Well, they do insurance check ups every single day. They've been doing it for so many years. We came up with this years ago and it came on the show and it got to be fun. I said, Brian, what if people call up? Can you actually compare stuff?

And then it became a regular part of their business. So what they do is compare with about twenty six companies or so out of twenty five twenty six and then let you know if you can get better coverage at a lower price, or just a lower price. But here's what I love about comparisons, and I want you to remember this. Don't go by people who say I can do that better, I can do that cheaper unless they actually can. So what Compass does is put if they put their money where their mouth

is when they tell you they can get you better coverage. They better come through right because they have to have a policy that It's not like they can just lie to you about it, right. No one can lie to you about math. So if you're paying four grand, five grand, six grand, whatever for all kinds of insurance and they come back and say, well we can do this for thirty eight hundred or forty eight whatever, it's math

and then the coverage is coverage. So enough set about that. You can call us directly about questions on insurance, or you can call the insurance Health Center right now and get a quote. What they're going to ask you is what you're paying for? What do you know? Eighty five percent of the time we save people money. What's the biggest reason we save people money? Brian? Is that the creep up syndrome or why? What is the biggest

reason? Yeah, I would say a lot of people, especially your listeners, have been with their insurance company for twenty thirty years and just have never looked and so then and we talked about that, and yeah, usually not the insurance companies don't normally reward loyalty. They don't. Unfortunately they don't, and people think they do, and they'll get this thing like they say,

well, I'm guaranteed to be renewed. And I always explain to people, but even carriers we have, I don't feel like that's really a benefit because if they guarantee they're going to renew you, they don't guarantee the rate they can charge you, you know, ten times what you're paying right now, where we could find a better company anyways, So you know, this whole idea gives people this comfort to say, well, I'm guaranteed to be renewed on my auto insurance, no matter how many tickets I have. Yeah,

but they don't guarantee the raid. So all right, let's go to the phones. By the way, but if you have insurance question, you go straight to the help center if you want to get your pricing. Three h three nine ninety six nine thousand, Hey, real quick. Yes, how about that turnout last night? Holy moly, one hundred and sixty people. That was great. Yeah, we went through the through the roof at the theater. It was the retirement, the baby boomer dilemma about retirement and Mark

that movie highlighted some dirty tricks. I want to talk about some dirty tricks they did to people and some companies are still doing it. And Mark, do you know what happened to me? Do you know I had a pension I've been paying in for years and it was a guaranteed pension, and they did everything they could to talk me out of it. Now I did get out of it, but they I was lucky enough to find another product better. But they pensions are dirty. They want you to pay in for years

and years, but they don't really want you to stay in. Now. I'm not talking about annuities, by the way, I'm talking about regular pensions. So in the state of Florida, they were running into trouble with this pension fund because a pension fund is what's called a defined benefit plan. A defined benefit plan says you pay in, you're going to get a guaranteed benefit and we are going to invest money to accomplish that. We'll talk more about

it. It's really important. Thanks for bringing that up. Mark Ken wants to talk about T Mobile. Ken, what's happening? Hi? Tom? Hey, what's happening Mobile? Yeah, my father passed away back in October and my brother's been taking care of a lot of the details. He called T Mobile and said, my father's deceased, can we cancel this plan? And they basically wouldn't. Well, that's too bad. Then let him try to collect. Who cares? Hey, yeah, it's going My brother closed

the account that they were pulling. Oh, and he said, hey, we don't want any When you say they wouldn't do it, here, let me let me get this straight. You said my dad passed away. He had an account with you, and they said tough. I mean, really, let's be honest. I want to hear what they said. I wasn't there, but I get my brother. I don't believe. I'm just gonna tell you. I'm not saying your brother's not telling the truth. They would never do that. No one would do that with the dead person. They

won't do But let's talk about the facts. Okay. Facts are after he was deceased, they wouldn't do anything. And he went, you know, he was willing to work with him. They when you said they wouldn't do anything, did you send a death certificate to T Mobile? Yes? He said, Hey, man, I mean we've done everything, but exum, my father's okay, send it to him ken ken so okay. So, and by the way, I'm sorry your dad passed away, and and and you had to deal with this. I really don't want to just gloss over

that. But bottom line is, since then are you telling me they've been racking up charges? Well, first of all, the charges were nominal, but it was a principle. Well, of course it was. But Ken, what I want to know is what are the consequences. They're not going to put a claim in against the estate. It's over his contractual obligation ended. Now if a phone hadn't been paid for, they they have put him

into they have. You know, my brother called their collection people and as of now, I think they want three hundred dollars Ken through now, he's not listening. He's not listening to it. When you're not listening to what I'm saying. If part of the contract was paying for a phone, and a phone is not paid for and your dad dies, that's a different story. There's two kinds of parts to a cellular contract, equipment and service. If they were charging him for service after he died, not before, but

after, they can't collect after he's dead. If they're charging him for a phone, they can keep charging until it's paid. If they were charging for service and he had an account receivable. They can also keep collecting that, but it goes against the estate. So in your dad's situation, I need to know a couple of things. No story's just facts, Like you said, did was this for equipment? Honestly, I don't have that information. Okay, I can call your helpline and get it. Ken, I'm going

to tell you that it is because see let me tell you why. Because Team Mobile or any business, they're not going to waste time and money and collections on someone who's deceased for service they did not use. However, if there was an account balance at the time of his death, which happened while he was alive, for any reason, for service or for equipment, then his estate would have to pay for it. But even then, if the estate pays all the priority bills, that they're not. And by the way,

did you open let's just talk about this. Did you open probate for your dad? No? Why? No? Why? For a very it's reasons, it wasn't an issue. There was no you know, the way the assets were dealt with. Are you saying you didn't need probate? What kind of assets were there? Candidly, I don't want I don't know and I if okay, well, Ken, I don't have enough information, but I will tell you this. There's no way they can collect period, So it doesn't matter. Let them collect all they want. I mean, what

are they doing, how are they going to collect? I mean, does it just bother you? Ignore it, ignore it, throw the mail away, throw the court summons away. You and your brother are not personally liable. And I wanted to let people know that this is how teen Mobile does business. Well, we don't really know that because, as I said, if your dad, I want you to call me back and let me know

exactly what happened, because I really don't know. I really do. If they're trying to collect service after he's deceased, which I know they're not, then it would be a bad thing. They're trying to collect probably on a phone he never paid for or did not complete paying for, or a balance due upon his death, but either one of those, even those they can't collect. Now they have a right to go against the estate, but if

you never open to probate, they have nothing to go after. If all of the assets were dealt with outside of probate, now that's a whole different story. Where they dealt with properly blah blah blah blah blah. But for three hundred dollars, I doubt T mobile is going to open up a probate, so I would forget about it. Three zero three seven to one three talk seven one three eight two five five. Waterpros dot net has the best water systems, the lowest prices bar none. You know I always talk about

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up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two Hey, I'm Tom Martino, your troubleshooter. Three oh three seven one three talk three oh three seven one three

eight, two five five. Back to the phones. Anything on your mind, Give us a call three oh three, seven one three talk or three oh three Martino. Frida want to talk about an ATM? Hey, Frida, what's happening? You know the good thing about ATMs? Nowadays everything is on camera. Go ahead, you hope so, but people keep telling me that those cameras are not actually taking video. I hope they are because that's

the only way of the situation. What happened? What happened? Every month, I go to the ATM and I withdrews the hundred dollars cash out of my prepaid debit card where I get my direct deposits for my disability. Okay, now is this Social Security disability? Yes? So okay, pounding out my cash and the machine shut down and now functioned. Oh my goodness,

gracious, hold on. So you put in your card and then it was counting your money and went dark exactly holed up a couple of times, and it kept going there's a cable unplugged, and then it said the system is temporarily down, and then I waited a few more minutes and it finally booted up, and it said, please in search your card to begin your transaction. No money, no cash in my hand. My bank said it was out, that it had come out of my account. But where did it

go in the vapor? No own, my god, hold on, it's free to I kind of believe, I mean not kind of. I believe this kind of stuff. This sucks. So here's what's happening. You're there, it goes dark, comes back on and wants you to start over. But that money's not there anymore. Exactly. I think it's done my transaction. We're done. I have no receipt. Yeah, but there's a camera. How long ago did this happen? On the thirtieth of March? And

I've got my my prepaid debit card is supposed to be disputing it. The Canyon City Police Department is wait, so you're in Canyon City? Yeah, and it was what date was it? March? What thirtieth? Okay, listen, there's got to be there's got to be a way that they look at this tape. There's got to be well, you think so, but it was on the it's built in inside. Wait, is this is this a bank or is this just out somewhere? You know, where is this

machine? It's in the wall of the bank at the First Interstate Bank and there's no printing on it. Nothing, It's just got the First Inner State logo on it. You know what I would do for you to I would take them the small Claims court. Well, why not just go into the bank and talk to him? I called the bank on. Well, that's not what I said. Why wouldn't you just go into the bank and talk to him? Give him the date. Did you get a receipt saying that

you got six hundred dollars? No? How do you know it was taken out of your account? Well, on my account online it shows that it came out, and I don't. Does it show it came out on that day? Yes, Well, you know what I would do. But I called the bank. Let me tell you, Tom. I called the bank and they said, this is not our ATM. We have nothing to do with it. It's whose ATM? Is it? It belongs to money Pass? It's in the wall of their damn bank? Yeah? And did you

call hold on? Who did they say it belonged to money Pass? Money Pass tractor. Yeah, it's an independent contractor that works for with money Pass. Where does the money come from? That's wait a minute, Where does the money come from? That's inside the machine? Does God make it? Where does it come from? He services it, He puts cash in it and takes out, reconciles it every day that they won't tell me who it is. Does the bank? I would say, the bank gets paid for

having that there? I'm sorry, I think it's the bank's problem. What's the name of the bank, first Interstate Bank and it's in Canyon City. Yes, yeah, that's one of the problems right there, I'll tell you is Canyon City. I mean, I just think they're backward. They don't they don't have an idea of what the hell it means for customer service, I think. I mean, it's really sad. So well, I'm standing they're not nobody. I can call them bank, Well, you got me,

you can call them. We're going to call them and let's see I think uh recording of the last time I called them. Anyway, that's Canyon City Bank. Here, here's what we're gonna do. Deputy Dollar, Deputy Dollar. He was, by the way at the movie last night. We're gonna have him call, and we're also gonna give you some instructions too on a small claims court. I swear to God, if you go to small

claims court, it's a breach of contract. That's right, Tom. There's the bank, and I'll tell you why can I explain why you can serve the bank and the name of that other company both, but you give it to the bank. That bank is their agent. They can't erase themselves. They are somehow being compensated to have that machine in there and this person that comes and services it. I don't care what they do. That bank gets paid for it. They don't do it as charity. I wouldn't think so.

And once you file that, they're gonna look for your damn money or they're going to contact the guy. In fact, I want Deputy Dollar to tell them it's not a free ride. They don't just get to say I'm sorry, it's not us. My god, I just can't believe this. So it's first, what bank is he calling? You need to know this can happen. What okay? First, what I said, That's what I wanted to call you. First bank, what is the name? It's not it's first what I didn't write it down? First? Interstate bank? Okay,

got it? Okay, Now here's what I want to know. Okay, what are you doing for money? Well, I can't make in the house payment and stuff like that. I'm happy to call him and tell him, hey, you know, thank making new original credit. But they said they did. I'll know it's in ten days by writing. They haven't written me, they haven't called me. I'm gonna have to wait forty five days to get anything resolved. Yeah, sorry, yeah, yeah, this sucks. Now you're not going to wait for hea any I did it? You

don't have it? You know? Well, of course they do. They have a fitty oh or they can get access to one. I don't care what they say. By the way, is there a camera there? Yes? Okay, you know what, Deputy Dollar, you tell these jerks to look at the damn camera. Three oh three seven to one three talk seven one three eight two five five. We're gonna take this on as we take on a lot of stuff. And I want to also tell you about eight

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sixteen twenty two. Hey Tom Martino here three all three seven one three talk seven one three eight two five five off the area. We were talking about electric cars and uh, you know, uh, Tesla did something really smart. They made a they gave everyone on this latest update. They gave them a free trial for thirty days of the full Uh what do they call it? Auto drive? Right? Well? Full ut. So my son got it and said, oh my god, I can't believe it. And Mark

says he can't live without it now. And you can buy it by the month, or you can buy a lump sum. Is that lump sum for the year or is that lump sum for life? It's for the life of not only when you own the car, but when you sell it. It follows. But you chose to go monthly because you're not going to help it that long. First of all, the reason they decided to let everybody use it is because it's finally out of beta, or it's far enough in beta.

For a long time. Up until like a month ago, you had to qualify to use it, even if you paid the two hundred bucks a month, and if you drive fast, you simply would not qualify to drive mar Tesla. Notion dries. It makes sense. It does. Here's why it doesn't make sense. Two hundred bucks a month is a steal because if because otherwise, if you pay fifteen grand, you know that's the equivalent to paying seventy five months. I mean, in other words, yeah, I

get it. No one would ever buy that. Why would you? No one's going to keep the car six years? I wouldn't think so at all, man, And why would you care when you sell it that somebody else gets it? So I wouldn't pay increase? Well, I'll bet you not. I'll I guarantee it does. Of course he gives it, I'll drive. Oh hold on, I'll bet you people in their minds would say this. Am I going to pay ten or ten thousand more, fifteen more whatever for this car with auto drive? Or am I just going to buy one

and pay two hundred a month? I don't know. I still don't think the lump sum ever makes sense, But maybe I'm wrong. Let's put it this way. You wouldn't buy pay a lump sum ever, right, even if you bought a brand new car? Would you? Mark? Well, I didn't even really contemplate it because once again, it was in beta, and I knew I'd never qualify for the beta. Do you still have to qualify for the auto drive? Now? No? But what it does? Do I learn this? It will? It says it'll pull it out if

you screw up four times? Now, how do you screw up? You're not paying attention. Your hand's not on the wheel, and it warns you a couple times, and that's how I mean. Or I think it's looking at your eyes now too. In fact, I know it is. I'm not sure what camera, but it's making you pay attention, which is good. That's going to keep them out of lawsuits. Oh my god, Dennis is on the phone here, and you got to look at this picture. No, I did, my god. Listen, I'm gonna put this picture

up before you talk it. Well, I mean talk about it, but everybody out there listening, if you go to on YouTube channel, Dennis, I want to get an attorney on before I take your call. So I want Kachina to work on that. And I imagine Kachina is out of her depression now right over at Purdue, is she? Is she back to normal? Yeah? I'm good. Thanks. We don't say the P word here. What was it? I'll tell you what what they lose by like forty

but Mark, guess what, they were one of the top two. They were the top two teams, so you know they didn't win, but they were guess what, they were the top two in the top two. That's pretty damn good, Mark. It was not forty. It was fifteen. Oh fifteen, Shut the hell up. Fifteen's not bad. That's a lot better than forty. They lost getting out of the shower. I heard they were playing a high school team too. Is that true? All of you guys can bite me. I never went to a college and had any sports

of any note. They were all just dogs. Didn't you go to Syracuse? No? No, all any I mean, Sonny, But here's the deal. They what are they known for? Nothing? And then before that it was a community college in Florida. Well, same for New York City residents. Tom, we had no college teams. You went to a college in the city. Yeah, you know what was amazing about Mark? Hold on real quick about March Madness this year? If I read the article right,

the women's basketball Final four pulled more numbers than the men. Think about that. That is absolutely unbelievable. It's because of Caitlin. She's a superstar man. Yeah, and you know, yeah, hey, Jackie, what's happening me? Yeah? You? How are you? I didn't know you could hear. I'm trying to tell my dog to shut up. What kind of dog is it? Oh? He's a mutt. He's labing something else. But he's not very big. Is he smart? Is he smart?

Not? Really? I love when people admit their dog and kids aren't smart. Anyway, So jackidle yeah, Martino doodle, Hey Jack, what's going on with the post office? Oh? It was terrible. I don't even know. I went in to put in a change of address with the post office. I did it many years ago, and it was a couple bucks. So you actually went there to do this no years ago. I did

it online and it was just a couple bucks. And they wanted to get credit cards easy, right, And this time I was taken somehow to another company that's right, looked like the post office, right. I know it. I know because I listen. I was doing this for one of my relatives and this happened, and it looks just like it. And and okay, so what they usually want to do with a change of address is sell you all kinds of upstuff. So anyway, you thought you were online with

the post office, right, right? It took me right there under post off office. It's a change of address. So I put on that length filled it out. They wanted my credit card number, which I knew. That's fine. I thought a couple of bucks. Again. The next thing, by the way, I never got charged for a change of address. Oh I didn't either, no book, okay, but but I never got charged. So that's the first clues. So then what happened, Well, I found out they never had a price on there is nothing. So what

happened? What did it turn out to be? Well, I wrap it address dot change dot com. That's where I ended up without knowing it. Okay, so charged me sixty eight dollars. Wait, wait, rapid, address change dot com right, and and ended up charging you sixty I thought you said it was two dollars. No, when she did it years ago, it was oh right, years ago? Oh oh no, I have Yeah. I had no problem giving my credit card number too, because it

wasn't a pose. I thought, a couple of bucks. I don't care, Rapid, I'm going to the website, okay, okay, keep going. So after I found out that I had to go back and put my change of address with the post office, I wanted it to be with the post office. I didn't trust this. Now. Then I got charged after doing this in the post office. I got charged one hundred and seventy nine

dollars ninety five cents to change my address. No. By the way, when I go to this site, rapid Address Change dot com, it comes up with this. It comes up with this click offer. And I mean, I don't know how you could ever mistake this ever, ever, ever, ever, for the postcar being the post office, ever, ever ever, but I put it in there. When I put in post office change of address, I can't even get to the site. It makes you. It makes you, It says unpause your account to remove this banner. I

mean, I don't even know what this means. Mark, When you go do that, see what you find. Rapid Address change dot com. How about this way? How about if you just type in change of address post office. Okay, I'm gonna do you mean as a search right now? Did you do it in Google? Yes? Okay, because I don't use Google anymore. Let me go to that. Okay, uh, change of address that's all past. Okay, change of address post office? Okay, hold on, okay, And I want to see what they pay, how

their SEO is. And the very first one that comes up is called Mover's Guide. That's but it's it's genuine. The second one that comes up is genuine. The third one that comes up is genuine, the fourth one that comes up as genuine, the fifth one that comes up as genuine. I keep going, I don't find that anywhere on mine. But who cares? She already paid it. Yeah, oh right, it took me. Why don't you just contest it on your credit card? It's my debit cards for

my bank account. You can still you can still challenge it. Yeah, but Tom, there are a lot of things. There are a lot of these scammers that do something that that actually do the process that you can do for free, but they charge you to do it. So there really isn't anything that you can complain about. Well, Mark, I mean, I'm a doc, you know, I get that with other things like renewing your you know how you have to die, you have to like your corporate reports

and things like that. Yeah, you get these messages and they make it look like it's official and all of that. So Jackie, what are you calling to let other people know? What are you calling about? Because it might be too late? You're calling to warn people and I should have doubled triple check. Do you know do you know how many people get stung? Not just with this, but with all like, how about when they google their bank or think they're going to their bank? Yeah, I listen.

We've had people on the show that have lost fifteen and twenty thousand dollars thinking they were on their bank site. We got 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 check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three out 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, you're a troubleshooter. Can we get John Fuller on now? Maybe not now, let's do it right after the hour. I'm going to take him right now. No, no, hold on, better yet, it's too late, Dennis, hang on.

I don't want to rush you through this. This is an incredible thing we're going to talk about with this dog bite and we're gonna put up the picture as well. But Julie, this is real quick. I'm just going to tell you straight up. You got a call from somebody who said they were from the sheriff's department, right right. What did they want? Oh? He wanted me to call him back. I'm the only thing that I care about is that he I mean, once you have somebody's phone number and

kind of their name, you know who they are. I mean, everybody knows that. It's stand. I called him back. A sheriff's department doesn't go ahead? What did they say? So? I want to speak to your supervisor? And he said, oh, I need to know your name and who you are. And I called him from a different phone and I said, what did he say? He? What did he say? He wanted nothing, absolutely nothing. He would not tell me anything. And the only thing I worries me is I called him back and said, yeah,

well you're not the sheriff and I don't care. And hey, can you give us that number off the air? I certainly will good. I want to play with that number. So I want you to give it to us off the air, because obviously you know, here's what it is. Most of the time you didn't show up for court. There's a summons for your arrest. Blah blah blah. Give us that number. We'll have some fun with it. I'm Tom Martinez. We got more coming up on the Troubleshooter

Show. Now we'll go back to a Compass Insurance Group two because they're getting some reviews of insurance at three h three nine ninety six nine thousand and get a free insurance review. Let us know how much they saved you. Plus we have some texts questions in about insurance and the crisis for town homes and condos. Go with a sure thing Denver's Best roofer Excel Roofing dot com.

You don't pay a cent until you're content. Please 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 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 ripped news you needed, that's who you don't have

run anxious as fast as we can. Shooter's gonna help. Come man, this is the Troubleshooter Show. No Tom Martine. Hello, I'm Tom Martine. Welcome to the show. Three oh three seven one three talks seven one three eight two five five. This are brought to by renew home Innovations dot Com. When it comes to shower renovations and making the bathroom beautiful, there's

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a personal injury expert as well. Of course, Now I want to talk about this with Dennis. He sent us pictures, and god, I want to know the circumstances. But the pictures are horrendous. I mean, a chunk out of your door. Is that your daughter? By the way, yes, sir Dennis. How old is your daughter? She'll be twenty one in July, and she had this chunk taken out. Can you explain the circumstances from the very beginning? Okay, John Fuller is listening. He's a

personal injury attorney. As I said, we just want to get a perspective on this. So can you start from the beginning. What happened? My daughter had spent the night at a friend's house. The dog was there. She was there, her friend was there. She was walking up the stairs from the basement. The dog was standing at the top of the stairs and when they got as soon as she got like eye level with the dog,

it latched onto her face. Now what kind of dog it's I believe it was a chow minx mm hm, and it just it just jumped up in bitter face. Did she talk to the dog? And I'm just curious, like, did she say hello dog because she was walking up? Okay, no, did the dog And I'm just curious more than any did the dog leap at her or what lunged? Yeah? For what she told me that she was just walking up the stairs and the dog. You know, she said that she had a hat on like a like a winter snow cap with

a ball on the top. Did your daughter go to the hospital, yes, sir, And what did they do for her? What? So? What? What had happened is? I didn't find out about this until the next morning. So how long ago was this? By the way, this was about one year ago? Oh oh oh, okay, okay, Then what happened? Okay, so you found out about it? But she went to the emergency room. Then what So she got stitched up, and she

went back to the house and avoided the dog. We got her the next day, and so the people that own the dog will not give us their homeowners and she's going to be scarred for life. I mean, those are massive. Well hold on, at the emergency room, did they recommend a plastic surgeon or anything? Yes? Did she have plastic surgery? Not yet? Not yet. You probably can't yet look at those wounds. Thank you, doctor Major. I thought maybe that you could. I don't know,

but I'm glad we got your opinion on that. I want to talk about something. I'm just kidding. I want to talk about something when this this is a terrible thing. I want to know something though, you meet, when you ask them for their homeowners they just flat out said no. Yes, so the people who own the house, they're divorced and the father doesn't live there, the mother does with the child. Well, how old is the so called child? Your daughter was twenty when she went there? Right?

Yeah? So yeah, so her child twenty years old? Same thing. Well, she's not a child, So I don't know if that does anything. We're gonna let John Way in on this. But the twenty year old, did she live there or was she there for the night? She lives there? Okay, now whoo all right, so my my daughter was referred to an attorney from a family friends. Worst thing you could do, first, worst thing you can do is get get a referral like that.

What happened? Did you hire them? No? They had. They had said that they would take the case and they weren't going to charge a fee, but they were going to take it out of her settlement. Well that's what everyone does. That's what everyone does, right And now now they're saying there's really nothing they can do. They can't get the homeowners insurance information. They're okay, okay, that that attorney that attorney said, we can't do

anything because they won't give us the insurance company information. Yes, I missed it today. He sign up? Or did this daughter sign up with this attorney? Did you enter into a fee agreement? No? No, my daughter was. Well let me ask you something this attorney was It was it a he or she? It was a she? Was? She? Was? She a personal injury attorney? I don't know my daughter was. So a friend, a friend says, go see this attorney. You have no

idea what this attorney's credentials are. You have no idea if she's ever ever stepped into a courtroom. You have no idea if she was personal injury knowledgeable and your daughter went to see her, Well, she was. She was referred because the friend of referred her to this attorney had dealt with a dog bite with this attorney, and okay, they were going to handle it.

My daughter and my oldest daughter, we're going to handle it. And because I'll get upset and maybe there is an insurance I just thought of that. Now, Well, here's what I want to know. You're saying that this house was was owned by the girl's parents. The girls, the twenty year old girl's parents are divorced. Is that right? Perfect? And what kind of house is it? I'm just curious. It's like dollar wise, it's I would say, I don't know today's market, probably five hundred thousand.

I want to know something from Brian Burns real quick. Hold on, Brian, Is there a way to find out who's somebody's insurance carriers? Is there a way not not home insurance? Auto insurance, yes, but not home insurance. Okay, Now, John Fuller, why don't you weigh in on all of this and we'll shut up? All right? Well, listen, here's the deal. I'm going to tell you the problem. I'm going to tell you what the law is, and then I'm going to tell you what

we can do about it. Okay. The problem is the dog bite statute in Colorado sucks. It absolutely sucks. The first time bite by a dog, there's a free bite. In other words, there's nothing that we can do other than to go and collect the medical bills alone. No pain and suffering, no compensation for the scar, the medical bills alone. The only thing you're allowed to collect are economic damages when a dog bite occurs in Colorado

because of the laws that we have. Now, if there's been a history and the dog has a propensity for biting, in other words, that first bite has already happened to somebody else, then the statute allows you to go after non economic damages, which is der classic pain suffering, compensation for the scarring, all that kind of stuff. But without a history, you're limited to just the out of pocket expenses. And that's why it universally sucks to get that by a dog in Colorado. Now let me just say this.

The third thing is that sometimes even if a dog doesn't have a bite history, we can, and I have, successfully taking cases all the way to trial by declaring that dog a dangerous condition that the landowners knew or should have known of, and basically proceeding as a premises liability case. And in the case that I took, the trial on that of somebody let dangerous dogs out of a pen and let them just run loose and they attack the lady. But we, you know, we had reason to characterize the dogs as a

dangerous condition. So there are circumstances in which we can prevail on something other than the dog statute. Now, the last thing I'll say is this, if somebody has home owners insurance, and they won't give you that information.

They just refuse altogether. If you have an otherwise viable case and you decide to file that case, and you know, with a lawsuit, and right after they answer the lawsuit, the very first thing that they have to do by law is to provide you with all of the information for any policies of insurance that they have that might be available to cover the losses that you're suing

about. And so the moment you file the lawsuit, their willingness, their interest, their desire, and you having that information goes right out the window. They have to give it to you. Period. Further, they will have an absolute interest in getting that insurance company involved, because the insurance company

has to provide the defense attorney to provide a defense. And so not only will they give it to you, but their attorney will give it to you, and they'll be calling that insurance company so fast it'll make your heads down. Now here's what I want to know, John, you mentioned, John, you mentioned the first dog bite is free. What I want to know is this now. Then you also mentioned, of course you could make an argument that possibly it's a premises liability. They knew a dangerous condition existed.

But what I'd like to know is, going back to the dog bite, we don't know if it was the first dog bite. How do we find out? Yeah, well okay, so yes, you did tell me about it. So we called the Little Ten police department to make file a complaint, and we had the Little Ten deputy come out. The animal control guy he talked to the homeowners would get a nice get together, called it a

level five bite. Super nice guy. He called me back and said it was the first bite that that dog has ever been first, the first reported bite, right, John, I mean, how do you know that? Yeah, you don't, Mark, but you can't just make it up. So I was going to say, the way you found out list by going to your municipality and talking to find out whether there had been fire complaints prior

notifications of other bites and that kind of stuff. Otherwise, you wouldn't expect a homeowner to say, oh, yeah, this dog has bit the postman and the neighbor and you know everybody else. You can talk to neighbors, you can try to find witnesses about the dog being aggressive. There are ways, but it's not as clean cut when you don't have a prior report or

documented about that dog. Right, So the deputy for the Littleton Police Department had told me that the dog was going to be quarantined at the house, I believe for three days and that was it. They still do they still have the dog? Yes? And does your daughter still is your daughter still friends with the girl? No? Hey, I got a question for John on this, John, if you can't go over after other damages, besides, you know, whatever the whatever the hospital bills are and the medical bills,

how about this. Why would an attorney take that? Then why would someone like you take that? Or can you go after is part of the cost of legal fees or how does that work? Well? John just said if it was the first dog by one of the strategies is taking it as a premises liability case. John, Right, Yeah, what I said was the statue doesn't offer you a lot of relief. And when I say the

first bite's free, I don't mean that it's free. But since you can only recover out of pocket expenses, there's not a tremendous motivation for going and doing it, particularly if the health insurance company you know, demands subregation and once can get paid back. There's just not a lot of incentive to go do it. But there are other ways to go about skinning the cat here, and and one of those is to pursue it as a premises liability. But Tim, you have to have the facts that that give rise to an

argument that the dog was a dangerous condition of the property. And and I'm not being flipping about that, but you have to have something to go on, right right, I'm telling attorney's out there that don't know anything about dog bite cases and see the picture of your daughter's face and think, boom, this is the case I've been waiting on. I'm going to make a gazillion dollars. And I'm not telling you that the homeowner's insurance won't throw own money

at that, just based on the fact that it's a kid. But how does he even get how does he even get the economic damages right now? And even a small settlement if the homeowners won't tell him who the insurance is to him. Okay, so when once you file a suit, you don't you don't have to go through with it, but you you file a suit for economic damages? Yep, how much are Dennis? Do you guys? Have economic damages at this point. One question, do you had the stitches?

And Dennis, I'm asking out of pocket? What do you have? You know, you know, a deductible going to the er? Really that was it? What about the plastic surgery would they be on would they be on the hook for plastic surgery to correct it? John, Yes, Well, Dennis, that could be a lot of money. Yeah, okay, so we put together you know, eight or ten thousand dollars, maybe fifteen

if you had plastic surgery on there as well. I mean you can get you can get a high enough figure to get, you know, procedurally into the district court or certainly into the county court. But I'm just telling you people that won't give you that information usually it just shows that they're pretty damn ignorant about the process, because you know, as soon as a lawsuit gets filed, they'll be clamoring to get their insurance involved because that's how they get

a defense lawyer. That's that's going to be on their guy. And it's a duty of theirs to let their insurance company know, John, this is serious. So I want to ask a question. Most attorneys won't take this on contingency, because we're talking about fifteen maybe twenty with Plassenger, who knows. But here's what I want to know. What would it cost do you think for him to get on an attorney just to file the suit so he

can get the information? You know? The problem with that, I mean, if you want somebody to go, you know, draft a pleading, that's something entirely you know, separate. But no attorney is going to sign on just for the limited purpose of filing the lawsuit, because then you have to seek permission of the court to get out of the Oh. So that's that's kind of the deal. Once we're in, we're in until the end. And so I mean, listen, it's one of those things that it's

just terrible. I hate the dog bite law in Colorado. There are different rules in different states that this case would be worth an absolute fortune with a child with with injuries to her face. But Colorado, because we have a long history of thinking that anything tort related is bad and we must, you know, we must pass laws to protect your your you know, protective citizens from uh these these over zealous lawsuits or whatever the reality is. But but

they're just bad. They're bad for consumers. It's no different than the ballid issue we have coming up this year on the caps that we haven't Colorado. Our legislature thinks they're smarter than the average jurity when it comes to figuring out what a case is worth. And we've been doing that and accepting that for thirty something years. It's time to change it right now, and we have

an opportunity coming. We have to take this break. But Dennis, I don't know if you're going to get an attorney to file even a lawsuit, even if you want to pay him. I mean, I don't think. I don't know if there is a way to compel those people to give their insurance up. I don't know. I mean without a lawsuit? Does he do it himself? John? What does he do? You absolutely could do it yourself. And if you're in the county court level, if your bills

are hire enough to get into that. The very first thing in their twenty six A one disclosures that have to be filed thirty days after the answer gets filed. The last section of that form is identify any insurance policies that would be available to satisfy these damages they had. Dennis, maybe that's what you want to do, and maybe you just want to hire an attorney as a consultant to help you fill it out and maybe not take the actual case and

represent you. I gotta run, we gotta 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 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. Listen, Hi, Tom Martino, your trouble shooter three oh three seven one three talk three oh three seven one three eight two five five. Are we positive that that's the number, that's the one Julie gave me? Yes?

Okay, all right, So basically that number claims they're with the sheriff's department. It doesn't come up as a sheriff's department number at all. And Julie when they first left a message for you. What did they say? He said, this is sorry, let me try to go to the message without hanging up. Deputy Callaway, is it? I said, this is Martin Callaway with the Jefferson County Sheriff's Office. You need to call me back. I want you to call me back at the extension four nine eight. And

they said the extension number again. Okay, so I'm going to do that right now. Let's see what happens. Let's see. Do you hear anything disconnected? Right away? Hold on? Let's try that again. I tried hold on. I don't it's not going it just it doesn't go through. Did did it go through when you didn't try calling back? Or you did? Yeah? I called back. Yeah. Let mean, I don't know why mine is not going through. It's three oh three five zero two two

eight seven six. I don't think that's right. Just a second, let me try to Yeah, that's right. I didn't think it was either, So thank you very much for checking that, because I was told that was the number. Yeah. I think I think that's close, but I don't think that's it. I don't know. If I a second, let me sure if I can go back in there. Yeah, I'm going to tell you what. I'm going to put you on hold again. We'll see, We'll try it one more time. Three O three seven one three talk seven

one three eight two five five. I asked them to double check that. They said they did, so, thank you. Now, Patty's got a comment on the dog bite. Go ahead, Patty, what is your comment? Yeah, I caught the just the middle part of that dog bite. Years ago, I was bitten by a dog as well. I was meeting with a client at their home. I'm in Colorado Springs in El Paso County, so they actually don't live within the city part. So anyways, lung

story short. I always tell my clients when I meet with them to please put their pets away. They had held onto their dogs. When I got out of the car, one of them nipped at me. And I have a friend who worked for CSPD, and she said, you've got to call El Paso County. I reported it. They got a ticket for dangerous animals. I requested their homeowners insurance because I had puncture wounds that ended up getting infected. I requested their homeowners insurance filed a claim. They ended up canceling

the claim. I did my own due diligence, looked online on how to file a claim for them for how to get reimbursed for my medical expenses after they closed out their homeowners and as your attorney that you use online or for your show mentioned on getting reimbursed and all that they refused to pay me for my medical I did not have insurance, so I didn't have to file anything with the DA somehow. And I can't remember because this was about fifteen years

ago that she got involved and so they had to go to court. Now bear with me, because I'm trying to remember back then the I was able to get and I believe, and you're gonna have to bear with me here. I believe I was able to get a personal injury attorney because, like I say, I was able to do the paperwork and as your attorney mentioned on all that kind of stuff, I did all that stuff by myself and got an attorney to check everything. I believe I paid him like a thousand

dollars and again, and what did you end up getting? I did end up getting a settlement. He tried to contact me, this client to try to settle out of court, but my attorney as well as everybody knows you don't talk to him. He ended up getting a fine. The DA contacted me and asked me what I wanted done as far as this person, and I said, and I'm not an animal lover, but I don't want anything

to happen to animals either. Yeah, And I said, it's not the dog's fault, it's his fault, and he said, he called me back. The person was fined. They had to put a chip into this animal, they had to the Humane Society had monitor this animal. Ended up being that the animal was a rescue from an abused home and so he had to be closely monitored. And so I did get a settlement from this person. Yeah, and homeowner's insurance was somehow notified. So, like I said,

I missed the beginning of what happened to this poor little girl. And so I would imagine that somehow their homeowners will be notified in Colorado from my understanding, lest the rules have changed. They and I didn't hear what type of dogs bit her, but in my case, it was and I always mixed this up. It was a whimer wrinder that are supposed to be friendly,

but you know what. That's good though, because what you said was you basically said that you can pursue this on your own and be successful, and that's the bottom line. So that's pretty cool. Three o three seven one three talks seven one three eight two five five Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content.

Time for an insurance check up free, no obligation. In comparison, call Compass Insurance 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. You know I'm gonna try this again. I'm gonna call this so called sheriff's department

see if I can get through on this line. It was they're calling people saying to call back sounds like a scam. To me, leave a message after the beef, I'm looking for deputy callaway. Please can you call me back? Three oh three six' two seven eight four six six well, yeah, I just don't think that we're going to get through to this guy. You got right through, Julie, Oh yeah I did. Huh. I kind of kind of got a little angry with him though. Maybe he's

screening his calls. Now, Well, thanks for calling. I'm gonna keep trying it. But man, I'm telling you you you bring up a good point. I'm glad we had a refresher course on it, and that is the Sheriff's department is never going to call you. Okay, there's just not How easy is that? Now, Chuck? What is your issue with Midas? Hey, Chuck, what's going on? You helped me a long time ago, so I really appreciate what you did. What was the I'm just

out of curiosity. What was that problem? I had a skylire car. I took it into my h to NAPA on and the mechanic he kept it forever. How long ago was that, Chuck? Oh my god, you know I was thinking about it. It's like over twenty years ago. So you took it to I was just curious because sometimes it sparks a memory. Was it one I took on the air? No? No, no, no, So yesterday when I called it. I talked to Kelly and said that I could talk to you on your podcast. Okay, so what's going

on with this Midas. I took this car that I inherit from my folks, and the breaks were not worse. It was like I didn't have breaks and I was getting rolled. What tell me about the year making model. It's a two thousand and three Saturn? Okay? And you took the Saturn to Midas, Yes, and they did a free estimation free and they would do, you know, a thorough job finding what's needed? I told him, yeah, man, I even brought up this my the serpent Yes.

So what did they find? They said, uh, that knew there was numerous things. It ended like two thousand dollars that I can't do this, and then so I picked the ones I want to need it. I said, the disc brakes, can you check the pads and and do the serpentine and I'll do the brake flush. And they had already given me an estimation on that that was like a total of four hundred. Okay, so hold on, Chuck, let's get to that part. So you chose to basically

have the brakes done and a flush. Yes, Okay, now the brakes the break. What are you having problems with the brakes or the flush? And now just it's the heat. When I left the car, and then he called me up a few hours later and he said, your brakes and your your brake pads in the back rear and my front disc brakes were fine. But the drums in the back, we're like rusty, worn out. And at that point she said, we have to take that and we have

to uh what was the spin the drums or something? Yeah, you got to put them on the lace. So what happened? He said, But the drums could break? I know, I know it because they're old. We get it. So go to the park where they did they break or what? No? No, no, He called me up like two hours later he said, everything, the drums are, we didn't break. We got them on. We cleaned that da da da, and hed come come

and pick it up. And at that point, I says, you have a finance payment plan here, and we got that set up with Snap Finance. How much let me ask you something, Chuck, how much was this all going to cost? What I set agreement with for four hundred and some bucks? Okay? And I got and it cleared with the finance companies. I can make three payments in one hundred days, so okay, and I took the car and I felt the car felt good. I said, well, this is so good, and it just got it started. I couldn't

go over thirty or thirty five miles per hour. I put the brake. Okay, here's what I want to do. If you can do me a favor, tell me what the problem is today. It's work, like I told the system manager. Took the car back and I said, it's feel worse than I did before. All right, hold on, we'll come right back to you. Chuck. Now, I understand you spent that money. You got to make payments. You're wondering what the hell is going on with this? By the way, Genesis Total Exteriors dot com. Did you hear

them? They have all the new and latest technologies, including smog eating roof and they have this paint that does no outgassing. And it's all at Genesis Tootalexteriors 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 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 three seven one three talk. So Chuck has a problem with Midas. He took his two thousand and three Saturn to Midas free estimate for two grand. He couldn't do it, but he said for four hundred. He's going to do the

break thing through staff financing. Now he is the problem because he says it's worse than ever. Are you saying there's no improvement in your brakes? Chuck? No, there's no no improvement. What do they say about that? They have a warranty? What do they say about that? Well, when I went back to him, I said check can you? He said, what's going on with the car? And I said it's And I gave him the same Chuck. Let's get to the part where he gave you an answer.

What did he say for another seven hundred dollars it would cost it for new drums and new pads. Now, hold on, but he just did a break job for you. Why will it require another seven hundred dollars because he he just spin the drums. He said the brakes and the disc brakes and the pads were fine, and he did a spin on it on it, and now he has to replace with new drums and some pads. Yeah.

Yeah, But what I'm saying is they should at least give you some credit for the old work they did if it did not help you at all. I mean, here's what I want to do. I want to give this to Deputy Doc to call and to see what he can do to help you. So hang on, okay, we're gonna call over there and see what the hell's going on. Three oh three seven, one, three eight, two five five 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 Anturan check up, free no obligation comparison call Compass insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Yeah, d need it so you don't have come. Run in as fast as we can. Shooter's

gonna help come man. Six is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three seven one three talks seven one three eight two five five love doing the show. Thank you for being here. Waterpros dot net can do a whole house water purification, softening and contioning system around three thirty four hundred dollars. You can go higher if you want, depending on what you want to add. But

here's the bottom line, the best water ever, the lowest price. That's it. If you go comparable to a normal plumbing company, you're going to pay fifteen grand. No matter what, you're going to save money. Three oh three eight six two five, five five four. Now back to the phones. We got a lot going on. We got compass insurance with us. Say here's one thing I want to ask and I'll go to the wide shot here Brian Burns, Compass Insurance. I'll go right to the phones.

Please get your calls in three oh three, seven to one three talks seven one three eight, two five five or three oho three Martino, that's good twenty four to seven. If you're listening to a podcast, Brian, premium increases. I ask for texts at five seven, seven, three nine. Put Tom in the in the title. People are complaining about the same thing.

And that is why our insurance rates going up. And I think it's because of all the storms, right bottom line, go ahead, Yeah, last year specifically, and it's been a bad had a few years for Colorado, but last year was one of the worst hail seasons that that Colorado has seen. So yeah, insurance companies, there's a lot of them that shut down new business last year. So what are the average rate increases? Oh my gosh, I would say most the ones that we see coming in,

I would say are in excess to twenty percent. God, some are I've seen them, you know, without acclaim. I've seen them going up sixty percent. Oh my god. Yeah, there's the rates are going up, and the problem is, uh, you know, let's say you take a twenty percent rate increase. We're shopping around, We're contacting our customers and saying, hey, your rate's going up twenty percent. Here's what's going on. A lot of times we can't find a better deal. It's still the best

deal after unless you're really wanting to cut coverage, and you can. You can cut coverage and get your costs down if you want to. You don't want to do that, no, but we give people the option because you know, when you say when you say cute, don't you don't mean cut the value under to what it should be. No, I mean more of much higher deductibles or root. It's really where your premium is coming in. Why it's going up roofs, that's it. It's it's hail. It's it's

wind in hail in Colorado. So if you take a higher deductible for that, you could pretty much be normal. Yeah. Or let's say, you know, we're letting them know, Hey, you know what you've got right now. We have carriers that do uncapped replacement cost that is almost impossible to find now. And so even with the carriers that offer it that we have, some of them won't do it anymore. And so we always tell people listen, we can move you, but you're going to lose that is is

that important to you? Do you do you really want that? Or you know, if they go get a quote in the market, they're probably getting actual cash value on the roof and we just say, hey, we can do that if you want it. It will lower rates. But is that So you got to find out what people want to do. Do they want to take on more of the risk and get their rates down or would they rather pay a higher rate and have you know, better coverage. All right,

so that's the insurance checkup we're doing. Maybe you're paying too much unnecessarily, maybe not. Maybe you can have better coverage cheaper or for the same price. Do a free insurance checkup at three h three nine nine six nine thousand right now. Now, Tim was on yesterday and he this is the weirdest problem we've seen. And I talked to Deputy Chopper about it, and here's what happened. The price of this one vehicle he was interested in was

advertised as having a toe package. I just want to say this straight up. I've done some research on this planet. Hyundai sucks. I wish I didn't have to say that because the owners aren't bad people. But Planet Hyundai sucks. They suck. I don't know if it's intentional or not, but they suck. First of all, their definition of a toe package is alone. They're the only ones that call a toe package wiring, and not even complete wiring, just wiring from the front to the back. So if you

ever want to do towing, there's some wiring there. Everyone else in the industry calls a toe package a hitch, the actual receiver and firing and the receptacle receptacle. Now that's what ninety nine point of the market calls a tow package, except Planet Hyundai, because they want to be able to advertise a toe package on their prices and make people think, oh, that's a great deal, and they call then they find out, no, you got to

pay another grand for the toe package. So Planet Hyundai is purposely, in my opinion, misleading consumers. Purposely purposely because even Hyundai itself disagrees with Planet Hyundai on the definition of a toe package. Now, if that's not bad enough, Tim called and he said, all right, let's get past the toe package. I'll just buy it. He was willing to buy it They wouldn't sell it to him at that price, not even without the toe package.

They told him it was a mistake. So they corrected the price online and they put it up another thousand dollars. We had someone else call. They would not sell it for that price. So what is an advertised price for Planet Hyundai, the so called one stop shop, the one price shop. It's to get you in the door, and, in my opinion, to bait and switch you. That's my opinion of Planet Hunting. Now. When Tim first called, they gave him a hard time, said they wouldn't

do that. They're too nice, too sophisticated. I've been around too long, sell too many cars. Nope, they do. I'm gonna hope it's not the ownership, and I don't want to go into why. I'm hoping. They have some errant managers, supervisors, sales managers, web people. They suck, and I advise people do not go to Planet Hyundai. Do not. Okay, there's no two ways about it, because I'm going to add insult to injury. I wish Deputy Chopper was on, but he's not.

Yesterday, after we started talking about this, the one unit we were talking about it went from thirty seven something something something to thirty eight something something something, and after we talked about it on the air, Tim, it came down to thirty five something something something right right, And then after going to thirty five something something something, it went back up again to thirty eight

something something something. I think they knew we were talking about it and put it way low to get phone calls and then put it back up again. Tim, are you there or not? If not, I got to move on, Tim, I are you baffled? Are you baffled by this? I just don't know what to do. Tom, I got it, Well, just go somewhere else. I wouldn't listen. I wouldn't do business with him. If these people are this, If these people are this, if they are this crooked about pricing a car, how can you depend on them

for anything? Well, if I could get the car, buck, I'm I wouldn't be dealing with them on service or anything. Yeah, but why don't you just buy it somewhere else? Why do you have to buy it there? Go to McDonald hunday because it's not as cheap, it's not the same price. And now, wait, are you telling me? Even when they flim flamm you and raise the price. It's still cheaper, No, not that they raise the price. Well, then that's where I'm saying.

What good is an advertised low price if they won't honor it? Right? For Colorado Spurts, that's obviously a lot of that for thirty six thousand something, but it includes a ten year, one hundred thousand dollars lord, and that sounds fishy to me. Well, did you want us to wait? Have you called them? I emailed them and I haven't gotten anything back. I don't do well on the phone, Tom, I'm hard of hearing. Well, here's what I would do. This is truly what I would do.

Where do you live? I haven't thought, oh, okay, when you said you're far enough away you wouldn't go back. I didn't know what you meant. I thought you were out some god forsaken place. You're right in Thornton. Oh No, but it's a long Moneys from Thornton over to Golden Here's what I want you to do. I would go to JFR Cars, but only if you talk to Rodney. He's one of our people over there. Now, here's what Rodney will cars. Yep, they're they're a

dealer. But but they're also brokers. Okay, they don't inventory, they source, well, they do inventory some, but what they do is they they they will go out and acquire cars as well. Okay, Now when you go there or call, I want you to talk to Rodney. And here's the phone number. Ready. Oh no, I'm not ready. Well, I'm gonna. I'm gonna put you on hold because I don't want to do this with everyone. And it doesn't matter. She fur cars is three

oh three five two zero sixty eight thirty nine. And here's what I want to tell you about Rodney. He'll go out and source that car and sell it to you, and then he won't put up with all the bs that you have to put up with. And I used him one time when I was looking for a car, and he cut through the mustard when everyone was, you know, charging over invoice and all that crap. He took care of me. And that's that's the only way to do it. Thanks Tim.

Three oh three seven one three eight two five five. People avoid Planet Hyundai, Please avoid Planet Hyundai. Jim, you have a question about a trust and taxes, Go ahead, Jim, Yeah, but I have his U one of the suggestion. UH. Twenty years ago, my mother passed away, since she had a trust she left me the beneficiar of For the last nineteen years, I've been getting distributions from that trust and it hasn't been tacked. Is when my mother money in it, they were taxed at that

point in time. This year, First Interstate Bank got a new person's doing this for them, and they taxed me and all of my I received from there, even though it's been taxed by that by the federal government before. UH. I have called him a couple of times. I've talked to him, and the only answer I get is it's taxble. No reason why. No, I want to know, why is it taxable? Well? Hold on a second, hold on, Jim, hold on, I'm here. I have never heard of a trust where you're not taxed. I've not heard

of one, so it could be they were making a mistake. But I want to I don't want to maybe I'm wrong, So I want to talk to one of our estate attorneys and ask him about it, and then maybe we have to go to one of our accountants. But but I have another question. You said, it's with what bank, First Interstate, So why don't you just move it. Well, yeah, but I've got a great big tax this year which I'm trying to get resound. Okay, I understand

that, but we're going to talk about that first. Okay. I want you to hang on and we'll get our expert because I don't know enough about it to let you know about the tax implications. How much is your tax bill? It's going to be an additional three over three thousand dollars thirt eight hundred dollars. And what percentage is that? Oh? I have no idea. I'd well, let me ask you what tax bracket are you in? Do you know what your what is the total income you get gross in the

past years from that trust? How much a year I've been I've been doing about twenty five hundred, twenty five thousand dollars a year. Yes, okay, so you're about in a thirty twenty something percent tax bracket. Twenty. Well, here's here's what I want to know. Something else I want to know, No, not quite twenty. But anyway, what I want to know is if you this is an irrevocable trust, right, Yes it is? Are you special needs? Know on that? And the reason I ask

is I wonder why that was left to you that way. Did your mom not trust you? I think she was convinced that I might squander the money. Okay, Okay, that's what I thought. Okay, hang on and we'll get an expert for you. I'm Tom Martino three O three seven to one to three talk 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 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 a troubleshooter. Three oh three seven one three talk

three oh three seven one three eight two five five. Welcome to the show. Let's continue here. So Brent Keel is with us from Kiel and Park, their estate planning attorneys, law KP dot com. I'll give you that number later. But Brent, I have a quick question. I don't know if it's quick or not. But Kim says his mom left him an irrevocable trust and he gets income from Okay, yep, and it's at a bank,

and for years he's been getting twenty five thousand a year. This year for the first time or for the pet tax here twenty twenty three the Jim, let me get this straight before I tell Brent and he can listen. It's a tax bill, Is that what they said? Yeah, it was a K one form that they sent me, and they had there's additional money I've been receiving all year long. No, No, on the K one does it specify because k ones don't specify the tax that you owe. No,

So it's the income that they say that I'm receiving. Well, you are receiving the income, I am. Okay, So I thought you told me that They claimed you have to start paying taxes on the income. So I've been paying tax on the income distribution out of the trust fund itself, out of the principle of the trust fund. Okay, Jim, let me ask you this then. So I got it wrong. So for years you've been taking twenty five thousand a year and you've been paying normal income tax.

Is that right? That's right? Okay, I'm sorry, I misunderstood. I get it. But this year or in tax year twenty twenty three, in addition to the normal income tax you paid, they are now telling you there's an additional distribution from the principle. That is correct, and you have to pay tax on that distribution. Ye, that is correct? Yes, okay, I am not sure. Now that's a whole different thing that I understood. Brent. Do you understand why this is happening or should we talk

to an accountant on that one? You know, it could be a number of different things. You know, working with an account would ultimately makes sense to help with the filing on it, but it could be a number of different things. When your trust is an errorvocable trust, it sounds like yours. Is that trust has an obligation. You know, it has its own tax identification number, has the file with the RS, and has an obligation to pay tax on the income the trust generates. Now, if they distribute

that income out to you, it's called distributable net income. It goes out to the beneficiary. Then the beneficiary is the one that pays the tax on that income. And it sounds like that's what's been happening for a lot of years. Usually doesn't paying the tax on the income that it's been receiving the dividends and the interest. Yeah, okay, that's exactly what I would be expecting to happen, is it. Why did they make a distribution from the

principle to him this year or last year? Let me ask you, Jim, they did they distribute twenty five thousand of income to you and then also make an additional distribution of principle. That is correct. Yes, I've been paying on the earnings from the trust that they're making, but they're giving me an additional appro at twenty five thousand dollars. Wait wait, wait, so wait a minute, So you're getting not only your normal twenty five thousand,

but they are claiming that you got an additional twenty five thousand. Jim, you're not making sense. You said in tax your twenty twenty three you got twenty five thousand dollars worth of income like you have been doing in past years, and you were prepared to pay the tax on the twenty five thousand. However, that K one is stating you got not only that twenty five, but an additional twenty five. No, that of one varies. It's the

income their trust is receiving. I pay tax and I haven't done it all along, but I'm getting an additional twenty five thousand dollars from the principal in this trust. Okay. Wow, So, Jim, I think you're missing Go ahead, Brent, do you even understand what he's saying? I think so. I've got some follow up questions, but it sounds it sounds like they've been distributing just income in the past, but this year they also distributed

some principal to you. Is that correct? No, They've been distributing the principle and the in the income for nineteen years, now, okay, because that's how I think. Okay, So, so they were each year you get a portion of income and a portion of prince, a portion of interest or earnings, and a portion of principle. Is that right? That is correct? And and this year it changed and you got extra principle. No, this year it hasn't changed. Of what of the money that I've been

receiving, what has changed? The munket reported as income on the K one form it's a twenty five doubs. I've been getting out of the principal every year. Okay, so usually and correct me if I'm wrong, Brent, usually if taxes were paid going in. She he doesn't pay income tax on the principle, is that right? Is that right, Brent? He only pays on the earnings, right, correct, that's where the income taxes on out. So I think what happened is in the past years he's been paying

a level tax based on the amount of principle that was coming out. And I think maybe the trust didn't make as much money. I don't know, and more principal came out than earnings or excuse me, less, I don't know. Something happened in the formula. It could be that the trust distributed out more income actual income this year, yes, okay, and more income? Does that? Jim? Does that K one? Say that you got all of that extra money from principal? Yes, it does. Well,

Yeah, there's something wrong in the area. I don't think you're reading it right. Well, no, they didn't tell you right, You have a K one right, Yes I do. Did you get a K one every year? Yes? I did? Yes, Okay, can you do me a favor and we'll have somebody look at it for you and we'll keep it confidential. If you want to send us some past k ones and this year and twenty twenty three is the one. You have a question about the K one for twenty twenty three, right, that is correct. That's the first

time I'm getting. Could you do me a favorite? Can you send us a twenty a K one from twenty one and twenty two and twenty three? Yeah, I think I got cotton dulos. If you can, we'll have someone look at it, one of our accountants and figure out why so so the net result to you was more tax. That is correct. Okay, do me a favorite. Jim. It sounds like you understand exactly what's going on. Send us copies of that K one because Brett, wouldn't you say

K one's are going to tell the story. They should at least give you some more information. They may not give you the behind the scenes story as to why there's more income, but my guess is it will tell you, yes, there was more income generated than the trust, and the trust is always going to pay out the end the income before principle. If they can. Yeah, but what what he's saying is the exact opposite of that.

He's saying it wasn't more income, he got more principle. And that doesn't make sense because you don't pay tax again on the principle, So that part does not make sense. The principle would have been passed right on to him without tax. They make you take out the earnings first, as I believe that's correct. Okay, so guy at time, that's to Jackie what it is. Okay, yeah, so but they're making you take out income first. But the way you said it, they're they're claiming they took out more

principle. But even if they did, you don't pay tax on the principle. Yeah, I'm not saying it. That's what they told me. That's what they're telling me. It's coming out of the principle. But it's taxable no matter what. No, it's not taxable, no matter what. If you have a trust that where taxes were paid going in, you don't pay twice on the taxes and there's no inheritance. How many how much was it? By the way, I should ask that maybe there was an inheritance,

how much total was there? It was just a little less than a million dollars. Okay, there's no inheritance on that. Okay, Jim, just send that to us Kachina, give them an email and we'll maybe have one of our accountants look at it. We got to take this break. I'm Tom Martinez more coming up and we'll talk to Compass about insurance checkups right after this, go with a sure thing Denver's Best roofer Excel Roofing dot com.

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

seven one three eight two five five. Now I'm going to talk to Devon or Devon uh Devon about your car insurance claim. So we have Compass Insurance here. That's good. We have Brian Burns so what's going on with your insurance claim? Yes, sir, thanks for taking a call. So I'm having a bit of an issue. The other day. My car broke down and I took it to a Jeep dealership and they're telling me I have an aftermarket windshield and that water was getting into it and corroding the wire harnesses and

my whole system went haywire. How long ago did you have that windshield done? I never had it done. I bought the car a year and a half ago. Okay, hold on there, okay, after market winshield your used car that you bought a year and a half ago, right, Okay, keep going. Yeah, So the twenty sixteen Jeep Grand Chercu Laredo, I bought it not knowing there was an aftermarket windshield. Most most most cars on the road after a few years have aftermarket windshields, and and just just

to get right to that point, no one did you wrong. No one has to tell you that. Keep going correct, Okay, Sure, So I filed the claim. I just heard back from the claim adjuster that my claim is denied. Well, it's not a it's not an well I don't know, is that an insurance claim? Brian, I'm curious to hear the rest of your since there, what what is the reason for declination? What are they saying? They said that the reason why is because it's not an

immediate water action. They're saying, it's infiltration, it's it's a warrant, it's a it's a more of a maintenance issue than it is a sudden and casual event. Yeah, I mean a casualty event. Yeah, because water is a covered peril. So if you're if you you know your car gets inundated with water. But their point is this didn't happen sudden and accidental. It's it's it's not like you left it outside and a big flood came exactly.

It's they said, over time. It's like if your headliner leaked or something that wouldn't be covered by insurance, right, right, I understand, or your sun roof. But here's what I want to know. You bought this car a year and a half ago and it had an aftermarket windshield. An aftermarket windshield doesn't make it leak. It wasn't the aftermarket windshield is the

installation. Yeah, that's exactly right. It wasn't installed correctly. Sure, and still there was no way of me knowing or the corrosion either way. I understand you're saying, it's like I'm not getting screwed over because no one had to tell me that. No, of course not. I mean it's a used car. I mean you bought a used car. So when you buy a used car, there's all kinds of things no one has to tell you. Sure, Sure, I understand. I just want to that sucks,

man. I mean I feel for you, and I understand why you would think insurance should cover Brian. There is a fine line between a sudden an accidental an accidental compared to damage. Yeah, okay, so help him understand. In what world could something like this be covered. Let's say he went out and had the windshield done today, and in a week or two there was a big storm and he goes out to his car and it's damage

and won't start. Okay, is it covered? If the approximate cause was that water coming in and doing the damage, and it happened quickly like that, then you absolutely can make a case to make a claim to that. Yes, But if it was the windshield not installed just right and over a long period of time, by the way, I had the exact same problem on a car. I had the exact same problem. So I was having some issues and they looked near the windshield under the I was having the Oh,

I was having the windshield done, and here's what happened. They said, Tom, you got a lot of corrosion in here. They said, it must have seeped in over time. I had the exact same thing. So what were you thinking, Devin that First you were thinking your insurance should cover it. Second, you were thinking somebody should have told you it was an aftermarket windshield. Right? Yeah, correct. I mean, but like you're saying, I understand how the system works, and everyone's trying to cover

their own butts. So and it's not that they want to cover their butts. It's that if we lived in a world where everyone had to know everything about everything they buy, commerce would come to a screeching halt, or things would be so expensive we wouldn't be able to afford them. I mean, I'm not trying to make an excuse, but you could have had that car checked out. Now would they have found this? I don't know. You

see, who would look for it? I wouldn't look for it. I mean, you know, it's just you know that expression, you know what happens? Yeah, well you know what just happened to you? Yeah, it sucks. How much is this gonna cost you to fix? Right now? It's did seven thousand dollars to six? Oh no, what kind of car is it? Did you say it was a twenty sixteen Jeep Cherokee? Yeah? Yeah, okay, sorry about that man. Three all three seven one three talks seven one three eight two five five. Go with a sure

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

Hi Tom Martino, your troubleshooter three oh three seven one three talk three O three seven one three eight two five five. I have an email here for an estate and uh it has to do with something I never heard about. We'll try to get Dan mckenzion next hour because we're running out now of time. But Brian Burns during this time, I wanted to ask you something real quick, and that is will rates We talked about rates going up because

of recent hailstorms? Right yep? Will they ever be adjusted downward? If if we calm down with how does that work with premium pricing? I have never in history heard them come down. Oh absolutely they have. Oh yeah, we were good. We had actually maybe fifteen years ago when we were doing this and rates had been climbing because of Hale, and all of a sudden we had three or four years where Hale was just not Who examines that? Who examines that? Is that mandatory? Or do they just do it

out of the goodness of their heart? I mean, how do they adjust prices? Well, it's not because it's out of the goodness of their hearts. They all realize we're making money, and so they try to get business. It's like, also, okay, they want to be want to be competitive, They want people to come to them. Right now, they're losing money. Insurance companies in Colorado have lost money off of what they've they've taken in, so they don't want business, and so they are needing to raise

rates. And if people are like, I don't want to pay that, I'll go somewhere else. It's just hard to find anything that's better. Wow, what happens if a state is so bad they can't make companies right there? Look at Florida, right, I mean, look at Californoa. Does it become a state thing to do? The states are underwriting? Yeah, but and that's what was happening in Florida. But now they've passed new laws because they're losing money. Is the the state can't afford to do this.

So now they've they've rewritten some laws and now insurance companies are starting to go back into Florida. So yeah, you can have a state fund for even in Colorado. If it gets to the point where insurance companies won't write some of these fire risks some places in the mountains, they're going to have to find a solution. Now right now, there are solutions, they're just expensive. Now what about Wow, we'll have to talk about this coming up because

we are running out of time. You want time to answer, So we're talking insurance. If you have any questions plus everything else in your life, give us a call three oh three seven one three talk three oh three seven one three eight, two five five or three oh three Martino. That's three oh three six two seven eight four sixty six. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're

content. Time for insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine to zero sixteen twenty two, Yeah, rip new need a who you don't have? Come run anxious as fast as we can.

Shooter's gonna help. Come man. This is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the show. Today's insurance day. We have Compass Insurance in the house and they've been doing some comparisons as well. We also have been talking about alternatives to hind you not alternatives. How to keep rates lower if you have to do and ken including playing with deductibles and roof separate from other casualty and losses. And it's just

very complicated. We're also going to talk about this bad contractor thing. I got Mark Schumansky on and I'm going to try to find that original call. We asked Mark to check something out for us, and Marcus with Genesis Total Exteriors dot Com we use him as an expert a lot. And Janet called about a problem with a contractor, and I want him to start talking. But I'm trying to find the original call. I'll find it here in a minute. But what was the main issue that she had, Well, the

contractor. She signed a contract with somebody and he did the roof and then he started doing other repairs and they were supplements, and they were what she was complaining about. She said, the supplements, it like doubled the entire thing, right, Yeah, And so you know, we know insurance companies don't always pay what they're supposed to pay, and that is the case on

this one too. There are things that the insurance company was not paying for, and so some of their supplements are legitimate but then some of their supplements are going way beyond what they should be, and they're trying to take advantage of the situation, which makes a bad situation bill looks bad on contractors, and you know, and so the insurance companies get mad at us too at the same point, like, well, why are you overcharging for this?

You know. One of the examples, this is a small house, the left side of the house of the thousand dollars to paint it. That's the only painting on the whole house. This contractor tried to supplement for fifty six dollars just to paint one side of the house. Oh, that's ridiculous. That's ridiculous. She also said, though some of the work was shoddy, like fixing the cracks and windows or something. Did you check that out? Yeah? So, uh. In the bottom it's a vinyl window. In

the bottom, there's a bottom piece that holds the glass in place. It's called the glazy meat. It's plastic or vinyl material. And on the front window that has cracked, it's it's got a hole in it. And the insurance company went ahead and said, we're gonna pay for a new window, okay, And so the contractor came out and did work around the window because it has a metal metal trim around the window. That's your custom vent.

Well that that was supposed to get replaced too. Well, this contract came out and did some cocking and some other work and it looks horrible whatever they did, and they did not replace the window. The window never got replaced. So so they're they're not they're not entirely up and up no, you know on the roof, installed the roof properly. That's all good. They didn't do two of the vent covers, okay, but then she all less

power events power add events. They reinstalled the old ones, never replaced them, and then they're not even fastened in place. And then they're supplement for those two well those two were part of the original plank. But then they added a third power event in their supplements, Like why are you adding an extra power event? So the oh they really are goosing this project? Yeah, and are they done with the job right now? This was back in

September of twenty twenty three, that's when they started. They just now finished. You know, I don't know if you remember the caller, her husband just passed away last week, right, right, and so she knows, of course this is emotional too. And then dealing with this, she did say, Mark, I asked them to leave two times, but I was dealing with my husband dying and he was at home, and he died at home, and she was dealing with that, and so some days she goes.

A couple of days. I said, I can't handle anybody year. But they you know, again, there was only one side of the house you going to paint on. They started doing work on the other sides of the house that there was no damn me, John, and they started replacing window trim and it's like and she goes, there was never a trim on this window, and they just put it on there. It's not done.

All right, We're definitely going to put someone on this. Now. You know what I'd like to do, Kachina, I'd like to get Janet back on. If we can't do it today, let's do it tomorrow. I want to get Janet back on. Now that we have Mark's report on this, Mark, thank you very much. I really do appreciate that. And I can't I can't say enough good stuff about Genesis tootalexteriors dot Com. He won't do stuff like this. I'm telling you he's a good guy and he

that's why we use him as our expert. Now, Dan McKenzie is here. He's an expert on a state law. And I have an email that I want to address and it has to do Dan. It's the weest thing I've ever heard of. In fact, I've never heard of it before. This is a guy's third marriage. He was married twenty years. Okay, okay, and on his death he left fifty percent to his wife, So

she got fifty percent right as she was supposed to. But now she's claiming in addition to that fifty percent, she's entitled to something called a family allowance under Colorado Revised Statutes, which is up to forty one thousand, and something else called an exempt property allowance, which is up to thirty three thousand. Have you ever heard of those two things? Yes, they are more. There are more elections you can make when you have somebody who is yes they

shared income or a dependent. There are various elections that you can make. Those probably are not very substantially compared to the fifty percent, but yes, they're additional. But they but but hold on, So a wife can actually get that extra money. Correct. Wow, I thought those provisions even though I've just this is the first time I ever heard of them, that logically those allowances might have been when there wasn't that much money involved. And no,

but it does. It can be on top of a million dollars right, yes, wow, So they even though the will might specify that after the fifty percent, the kids get the other fifty percent, this ex spouse, not X spouse. I'm sorry, this widow or widower can go into their spouse's kids stuff. Yeah. I mean, these elections are kind of they are made before the distributions happen. So yeah, now what do you

mean these elections? So the spouse has to actually make that election. Yeah, you have to come in and file a form to get those Wow. This is something new, Dan that we've never actually discussed before. Yeah. Yeah, yeah, yeah, it's a mixture. I mean really, what it's about is making sure like if there's credit or claims against the estate and the state is insolvent, that like a dependent kid, for example, is still going to get some amount of money before creditors swoop in and take everything.

Oh wait, so this this allowance is not just for a spouse, correct, Yeah, if you have dependent kids. So not just like adult kids or who are out of the house or be able to do this kind of stuff, but for like you know, if you got an eight year old, like, yeah, so it's for a spouse or a dependent correct. Yeah. And can you explain what is exempt mean an exempt property in

an estate? So yeah, again, it's it's just to make sure, like with the residence or with a certain amount of cash, if the making sure that the people who are dependent on the person who passed away are going to get some minimum amount. Because what happens is like if you don't know that you have an eight year old out there, let's say like you can't make any distributions until all the creditor period is run, Like you need some

sort of safe harbor there. And so we know, like we're going to be able to get this eighty one thousand bucks or whatever, we can distribute that amount of money while we wait for the creditor claiming, Oh okay, so it goes so it actually steps in front of secured creditors. Secured I don't know about secured. I'd have to look into that, but certainly other creditor claims against the estate. Oh, usually secured is going to be all right. So what it says to the family is, no matter what,

you're going to get this much money beyond after the secured creditors. You're going to get at least this much money and then we'll distribute to the estate or to the heirs. Right, yeah, wow, thank you. I've learn something, Dan McKenzie. Of course, like I said, if you need help, you gotta call them eight three three co plans eight three three co plans or co plans 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 check up free no obligation 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, your troubleshooter three ozho three seven one three talk seven one, three, eight, two five five. By the way, Premiere says great, doesn't it? Then word Premiere window cleaning and pressure washing some young men that I met years ago. And I'm telling you Tyler has a great business, and he does great

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dot see. Oh okay, let's talk Brian Burns Compass Insurance Group every time he's on. And by the way, you can do this every time you call them. You can do it if you wanted to. You don't have to wait for them to be on the show. Three h three nine nine six nine thousand. You can call for what we call an insurance check up.

What is that? That's where you find out if you're paying too much for coverage, if you're under insured, if you're over insured, if you can do better, better coverage, lower price, whatever, or better coverage, same price. About eighty five percent of the time I think we're successful at helping people. The other fifteen percent you get an affirmation that you got a pretty good deal. So today we ask them to call in and you can do that, Like I said, every day. What examples do we

have today, Brian, here's one. A couple called in. They're with Farmers right now for auto and home insurance, and they're paying a out. It's forty five hundred on the auto and forty three seventy five on the home. Whoo nine grand, Yeah, nine grand. It looks like we are. We quoted them moving them to Safeco. The auto insurance is going down to one thousand, eight hundred and twenty eight from forty five hundred home. Now, crap, the home is higher. It's fifty three oh three,

but combined fifty three oh three for just the home. Yeah. But but but their current dwelling limit with Farmers was four hundred and twenty four thousand. We did a cost estimator. We bumped their dwelling limit up to six hundred and thirty two thousand dollars and ended up between the auto and home, saving them over seventeen hundred bucks. Yeah, that's incredible. Better coverage, lower

price, that's yeah, that's and we look at the total package. You know, even though the home is a little bit more, it's got way more coverage. So in the auto is saving the money. So it looks like here, Oh, this is one that was interesting because I know you've had a lot of calls about loss assessment. That what what he's talked about is the assessment coverage. Excuse me, the assessment. You get an assessment

charged against you, a capital assessment you have to pay in. When your condo or town home development has you know, you have to chip in because they don't have enough insurance. Go ahead, yep. So and we're seeing that a lot. This person called because they are with State Farm and had no loss assessment covers. They didn't realize it and got assessed oh fifteen thousand

dollars. Oh my god. So they called us. We have, first of all, on the auto insurance, we increased them from one hundred thousand of liability up to two hundred and fifty thousand. On the condo, we moved them from having no loss assessment to fifty thousand dollars and we saved them five hundred bucks for the package. Wow. Yeah, one more USAA current customers. USAA. We're moving into acuity. The home was under insured by

one hundred and fifty thousand. We got them guaranteed replacement cost uncapped. We moved them from a one percent deductible which was six two hundred to twenty five hundred and saved them thirteen hundred and fifty dollars plus saved them on deductibles and increased their coverage on their home. Because they were under insured, they would have lost. I'm telling you, being under insured is just as stupid as being over insured. Now, I want to ask you about some stuff here.

And remember that's three h three nine nine six nine thousand. Anytime you get an insurance check up, now, why wouldn't anyone do that? I mean, gosh, so our states rated like Colorado is? Is Colorado one of the worst? For yes, is one of the worst or the worst? They as of last year? There was an article in the Denver Post that came out in December. We were number two. Who's number one? It was? It was Texas. I think number one, yeah, number

two Colorado. Okay, I think it was Texas number one, and then number two is Colorado. So in all perils are states like I would think Florida would be it was catastrophic losses, Okay, what it was in hail being considered, you know, catastrophe. So in all states, what would be the wood in California, like with mud slides and forest fires, wires and all. Yeah, but Colorado have more constantial losses in California. So when it comes to just catastrophic losses, how to states ranked? You know,

I'm sorry at like total catastrophic losses. Yeah, that's what I'm talking about. Colorado is number two in the country in total catastrophic losses. So you have Texas, then you have Colorado, right, and then I don't remember, I honestly don't, but there was a whole article about it. But I know California is way up there. But Colorado obviously has almost all the problems. It doesn't have hurricanes, of course, but it has forest

fires, and it has the most significant being hail. Hail is just such a huge driver of insurance costs. Okay, So as far as condos and townhouse We talked about this before. It is a major crisis. YEP. A lot of companies are no longer writing for these big places, or they are writing, but the deductibles are so ridiculous condos and town homes and all that they're not being able to find adequate coverage without almost paying for the damn

roof themselves. It's almost self insurance on the roof at this point. And so what does that mean if people own condos or towns? So does it mean? What it means right now is they're shifting the liability of that roof onto each unit owner. So as of right now, every person that owns a condo should be checking to see what their loss assessment coverage is now.

I say that right now because insurance companies on the property on the personal side, those HO six's or condo policies have not caught up on premium, that loss assessment coverage is cheap right now. It's going to change because all that all these assessments are now being paid for by these condo policies that cost five hundred dollars a year. They can't sustain that. So at some point you're going to see them either limit what they'll offer on loss assessment or charge a

healthy premium for it. Right now, that's not the case. So if you have now, right now to get loss assessment coverage that would cover you for a capital assessment for a casualty loss right in order to get that, what are the tiers and the cost of that approximately? Yeah, so let's say twenty five thousand dollars of loss assessment coverage, which is pretty healthy. That's a healthy amount. That would run you probably twenty five bucks a year,

what maybe fifty bucks a year? But oh my god. Here, here's just to complicate things further, and we're seeing this frequently, you might have higher limits of loss assessment. Maybe let's say you have twenty five thousand dollars worth of loss assessment the policy. If you don't read your policy, you could still be in trouble because I've seen policy where they say twenty five

thousand dollars a loss assessment unless it's the result of HOA deductible. No, specifically, if it's an HOA deductible, we'll limit you to one thousand. Well what does that mean? So in other words, and it's ninety nine percent of all loss assessment claims are going to be as of the result of an HOA deductive Of course, Well what then when does it cover you? Let's say, let's say I'm trying to think of an example. Let's say

there's a fire and they don't have adequate insurance. That's not a deductible. That's an assessment to be able to pay for the damage to the house. That's not that would be loss assessment. That is so infrequent. The by far the most common thing is going to be that your HOA now has a five percent deductible on it, and so they have you know, that ends up being say, can you get loss assessment coverage to cover deductibles? Yeah? Most almost every carrier I will write will be okay, But there are

some that don't. There's a lot of that, don't I see them coming in down? Are there ones that will give you or sell you loss assessment coverage for let's say twenty five But if it's the roof, it's less. No, I've never seen it say anything about roof. It's specific to HOA deductible. So you need to check your policy and see is there a limit on that HOA deductible? All right? Three oh three seven one three talk three oh three seven one three eight two five five Grossman Wellness dot com.

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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 Martino, you're a troubleshooter, Anthony, or as we say in New York, Antony, what's going on? Or big

Tony? Yeah, Big Tony, that's true too. What's happening? My aunt and uncle are retired, only collecting Social Security and I think they have a small pension, but they have a paid off house roughly five hundred thousand, and they're looking to downsize to a smaller house roughly the same price,

but in an area they like better. But of course they can't qualify for a loan, and they can't just sell the house and hand that money over because then they'd be living nowhere, so they'd need to move into like an apartment or something. Is there an easier way to do that? Okay? So right now, their house is paid for, correct, and they can't qualify for a loan. I get it because of the income. So they need a bridge loan? Is what you're talking about, right, and that's

what they try to get. And they said with their incomes. Right, So this is an excellent idea. How old are they sixty five and seventy? That's wonderful. You can actually use a reverse loan as a bridge loan. Let me explain. Now, it won't give them a full amount, but it would give them a good amount. So in other words, they're only going to get on that house possibly two hundred max. Right now, what two hundred can do for them is it can help them with a purchase

of another house with owner financing as a bridge loan. So I'll explain this to you. It has been done. It's a little weird, but here's how it's done. They go to where verse loan get as much as they can one hundred and eighty, two hundred whatever. Now, if you find a house for sale in the price range they want, most sellers would have no problem doing an owner carry for a few months until they sell their house. Thanky. So what happens is you sell your house, pay off the

reverse, and then go pay off the owner carry. That is one possibility. It's a little expensive because you have to underwrite the reverse loan as if you're going to keep it even though you're not going to check it. Now, what's that? But that might be cheaper than renting and moving. It could and moving twice. That's right. There is another thing you can do is a hard money loan. Now, it used to be hard money loans meant get screwed, okay, meaning you know you need a short term loan

based on assets only, and people charge you through the nose. For example, it used to be if you need a hard money loan, let's say they want to get a four hundred thousand dollars or five hundred thousand dollars loan, they're going to be charged a few points up front. Okay, So it could be expensive and high interest, but it's only meant to be a short term. However, in some cases where it's positive you're going to be selling the house, is that house going to sell pretty well? Oh?

Yeah, I think so? You think so? Now is it four hundred to five hundred? What do you think it really will sell for? Really five hundred? It probably would get a little bit more once to get over Well, Frank Terran, the real estate man will do that free evaluation. So I would do that for sure. But let's say it's five hundred thousand. Here's the thing. If you need a five hundred thousand dollars loan to bridge, that could cost you. Let's say at the house side, it

could be terrible. It could cost them fifteen grand just to write that loan. I'm not talking about the reverse loan. I'm talking about with a hard money lender and then interest only payments. So I say you might be able to get it for ten grand. But let's say let's say yeah, because I think if I did a hard money loan, i'd do it for that.

I'm not talking about me doing this for them. I'm just saying in the marketplace, ten grand would be a good price for that, and then collect interest only of about let's say I think they'd want in today's market at least six percent, So I would say those would be interest payments of about twenty five hundred a month. And that's the thing that's going to be expensive. How long will it take to sell? You know, Frank could probably tell you that too, but let's say it's going to take three months.

So now you're looking at ten and you're looking at seventy five. So seventeen eighteen thousand. Let's say with you know, you could be looking at because of their situation, with a reverse loan, or with a hard money bridge loan, or with owner financing. Owner financing would be with the reverse,

you're looking at anywhere from ten to twenty thousand in extra expense. So if selling and renting would be cheaper, you got to compare it to about you got to compare it to that twenty grand at fifteen or twenty grand, right, gotch Yes, So if they sold it and then rented, I think that'd be their cheapest option. Truly. I don't know why they because really, a moving is not the big deal. If you get a reputable mover and you call us for that, so then you put that stuff in store,

that's not going to cost that much more. All it costs you is an extra move and storage. Okay, really, And then add that to what are they going to rent? For god's akes, they don't have to have their dream home, you know, so I think they I think the cheapest option is truly selling and renting. Now do they have pets? They have a couple of dogs. That's that's easy. I can my family can

watch the pet that's easy. Yeah, So listen, man, this sounds like this sounds like the way to go, especially with I would definitely not I wouldn't do a reverse, and I wouldn't do a hard money loan. Not at this point. Three oh three seven to one three talk. Let let's know what happens, man. We're anxious to hear. Three oh three seven one three eight two five five. Jackie has got a comment on that. Go ahead, Jackie, what do you think? And I'm a realtor,

full disclosure, I think you're making it way too complicated. I just said to sell and rent. Now, I would just buy with a contingent offer. Oh you find that in today's market? Will they do that? Absolutely? Wow? Okay, that's a good idea. That's a good idea. Yeah, I okay, thank you. That's a that's a good idea too. If you can write a contingent offer where they would actually wait for you to sell, that's a wonderful idea. Thank you very much. And

uh, that's why we have smart people listening. We got 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 than 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 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. Kind of like Shoe warned. Hi, Tom Martine, let's talk to Randolph. Hey Randolf, what's happening? Hey man, what's going on? Based on your recommendation, it was wonderful. He's a real

gentleman. We had a five minute conversation. But I have utmost confidence in doing business with him, so I want to thank you for recommending him. The only negative thing is it's a little hard to find parking, but other than that, he is an absolute gentleman. He has fair prices, and once again, thank you for recommending him. Good. You know, Randolph

David Ellis is a good guy. He really is. I joke with him a lot, you know, with his New York ways, you know, from the East coast, but he's been around as long as I have him in Colorado, and he is. He's really fun. Didn't you did you find him to be a fun guy too, right, Yeah, Yeah, he's easy to talk to, you know. And and and he was straight with me. Yeah, And I'll be giving him some more bids. Thank you, Randolph. And by the way, uh, David Ellisjewelry dot com.

He buys and sells gold and silver and all and precious metals. And okay, don't forget the Insurancehealthcenter dot com. That's Compass Insurance Group. You can call them for your insurance check up. They're doing them all day, every day. Three oh three nine nine six nine thousand, three h three nine ninety six nine thousand. And don't forget, of course, three oh three Martino for help, information and referrals.