The Troubleshooter 4-16-24

Yeah, m news. You need advice, so you don't have come running as fast as we can. Shooter's gonna help coming. Man six is the Troubleshooter Show. No Tom Martino, Hi Tom Martina here, Welcome to the show. Three oh three seven one three talk seven one three eight two five five Solving problems, answering questions, taking complaints, and we're gonna get to

the phones. We have a special guest today as well. Waterpros dot net the best drinking water at the kitchen sink fourteen hundred bucks fully in small triple filter reverse osmosis. You just can't do better, Okay for that price, you can if you want good water, and you should with all the nanoplastics forever chemicals. Please waterpros dot net three oh three eight six two five five

five four. They have other systems available to always the lowest price is best technology pros dot net three h three eighty six two five five five four. Now I want to go right to the phones and help, and then we'll talk to doctor Joel Trudak about stem cell therapy. Also about semiglutide or tizerpetide terzepetide, I mean turzepetite is the newest ingredient in these weight loss things.

I've heard none of those advertised on TV. As far as with the brand names, I don't know what brand names contain tersepetide, but it is similar

to this semigluetide, but better stronger. So guys, listen to that if you're looking to lose weight, or if you're a diabetic, because some diabetics have been going to uh denver Regen dot com saying look, I mean, I know you do this for weight loss, but we're a diabetic and can't get the brand names, you know, and in that case even their insurance would have paid for it, so they just say, what the hell for two hundred and fifty bucks or whatever, We'll just go with you, guys.

So that's very interesting, right, because it's it can be done. You know, you talk to your doctor and they can supply you. Now, Brad wants to talk about an issue with a boat loan. You know, Bread, how long have you owned a boat? Hey, hey Tom, how are you doing? Good man? How long have you owned a boat? Well? I haven't. And that's a little bit of the reason I'm going in is that I went into if I can say the name of the business. Sure, go ahead. We as long as it's the truth,

we can talk about anything. Okay. Well, I was in a bass pro shop and I was looking at one there, twenty twenty four tahoes. The price on the boat was a refer around sixty eight thousand dollars. Holy correct. I didn't know boats for that. Again. I mean, I know yachts and stuff, but tell me what you get for sixty eight grand. Well, it had a Mercury thirty three twenty five on it, open about, had the racks for the wakeboarding, all that kind of jazz,

and yeah, that was a nice looking boat. Anyway, I talked to one of their finance managers over there, and you know, she just wanted to go ahead and pull my credit and see how thing was going to roll there, and see if I could get PERF for the loan. Waited about forty five minutes and they came back with an a PREF loan. But the down payment and you have to understand on the sign on the boat, they show up five hundred and ninety one dollars monthly payment. Yeah, with

good credit. I came back at let's see, for twenty years at one thousand and eleven dollars in ninety six a month. Hold on a second, You mean to tell me they financed those suckers for twenty years? That's correct? What is your down payment on that? The down payment that they listed was seven thousand, five hundred and fifty eight dollars five hundred okay, and

so tell me where are we going with this? Well, you know I have a question because I got a letter because when I got back the information, you know, I'm not gonna when when you add everything out there with the now payment that's two hundred and seventy four thousand, Well, of course it is. Have you ever looked at what you're paying for your house? Of course it is? Yeah, yeah, yeah, of course it is

seventeen point nine nine percent interest. Anyway, I got a note from Experience and the boat lender and they said that I was not approved for the loan and it dropped my credit by eighty points. Now, okay, Brad, I want to I want to pull this apart a little. Let me get this straight. Did you make the purchase or not? I did not? Okay, good, But when you went there, they pulled your credit and

they said seventy five hundred dollars down twenty years one eleven. When you did the math, you realize how much the cost of financing really is and what it's costing you. If you add that to the fact that the boat's depreciating over all that time. Depreciating assets and financing don't mix. Well, Okay, so I don't want to get into that. But in any case, you got you got spanked, and now, to add insult to injury, your credit took a hit. I don't know why your credit would take a

hit if you were not approved of that. It just seems a little bit untruthful, I guess would be the best word. What's untruthful? Because I had the emails showing that I was approved for it. Oh oh, that part, well, that part is I can't address why they said you were approved. Then you weren't, but I'm kind of glad you weren't because this is not a great deal. Well, I actually I've got the email is

showing that I was approved. I could find the line that I know, but I'm saying, I'm saying I'm glad you weren't because now you're not going to buy it, and I don't I think you should make a wiser purchase with the better finance. I guess, I guess. My big question is is there any type of restitution for uh scored? Well, well, hold on, okay, you're blaming them for hitting your credit. I don't understand your credit took how much of a hit? Have any points? I don't

understand that part. That that part just for an inquiry. I think they showed you as getting this loan. I think you need to get this corrected. I think it's a mistake. They showed you as approved. They showed you as now having more debt. That's the only There's no way that your credit would go down seventy points from one inquiry. There's no way, And I agree with you. That's kind of the reason for my call, is

it? But let me say something, Brad, I would contact New Housing and New Bottle Loans and you know this is going to affect my credit for a while. Is there any type of recitation you can do against company? Well, of course, there's no rest because the dealer. The dealer didn't do anything wrong. What did the dealer do wrong? I would agree with you. It seems a bit greedy on that type of the loan loan. Hold on, Brady, No, Brad, now you're talk hold on,

are you talking about the loan or are you talking about your credit? Because but the dealer, it doesn't matter what loan it was. It was one inquiry. You know, I think you're mixing things apples and oranges. You're upset with this loan because it's greedy. I totally agree with you. It's a terrible loan. I would never do that loan. Did you say it was seventeen percent interest? Some deem point nine? I well, of course at eighteen percent, you know, geez, that's a lot of money.

It's a greedy loan. But that has nothing to do with pulling your credit. I think what happened is somewhere a mistake was made that showed you got to prove. Now they're showing you with an eighteen percent loan at that much money, and I think if you pull your credit, you will find that, and when you find it, you dispute it. That's how you do it. You pull the report when if they show that credit was granted, you have to show it was not. You'll get you'll take a hit of

a few points for a credit report, and that's it. Okay, and you know I did a request yesterday when I called in to them, so they've got the paperwork coming over to me. That was my question. I just didn't know. But let me explain something. Okay, again, there is no restitution because they did not do it. If they did something reckless, that would be different, or reported you as Let's say they reported you as defaulting on the loan because they wanted you to buy it and they approved

you. And when they approved you, they took recourse on the loan. By the way, this has happened in the past on other things. So in other words, they are so sure you're going to buy they take recourse, meaning they guaranteed the loan with the lender. You, on the other hand, decided not to buy it because you never signed a buy order and therefore they have a loan sitting at the dealership. So then you didn't come back to get the boat. So they default you on the loan. That

would be slander of credit, that would be totally illegal. But they didn't do that. I don't believe. So yeah, I don't believe. So that kind of clears things up for me. Tom. I appreciate your time today, but man, I listen. I hope you find a boat, but man, don't get tricked in. Don't ever get tricked into that kind of money. Oh no, can you let me if you can afford that? You do you have equity in your home? Uh? You know, I'm actually I ran it. Okay, buy a house first, broa and

then and then a boat or rent a boat. I mean, I don't know how bad you want the boat, but man, it's not a good economic I was kind of looking at it and the payment seemed kind of reasonable for what I was looking at. And then I said, but it's not reasonable because it's a twenty year commitment. Here, it's you're never going to keep the boat twenty years? Are you? Oh? No, okay, so listen to this one, Brad. You're not going to keep it twenty

years. So tell me the truth. How long do you think you will keep it? You know, next time I get a boat, I'm pretty good enough keep so you know I would like it till last, you know, at least fifteen, possibly twenty years. Oh, I didn't realize you actually have you ever had a boat that long? How old are you? Yes? Fifty? So man, so you're not you sound like a kid. I don't know. I'm sorry. Man. So, Brad, you've actually owned so you're an experience. You've owned a boat and kept one for

a long time. Yeah, read both them. CA. Okay, Well then you're a different animal, man, and you're you're a different animal. But my concern is once you finance something like this a depreciable asset over a twenty year period for a good part of that loan life, you are upside down, so you will always have to come out of pocket to get rid of it. That's all I'm saying. We got more coming up. I'm Tom Martino three oh three seven one three talk seven one three A two five

five Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. 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 oh three nine

two zero sixteen twenty two. Hi Tom Martino here, Welcome to the show. Doctor Joel's with us from Denver Regen dot com. Doctor Joel real quick here. I wanted him ask you how's are people? Are people? They're responding like crazy, I know that yes, are you getting diabetics as well? They can't get the brand names? Uh yeah, particularly since we started mentioning on your show. What about trus epetide, Can you explain that to me? What is that? So tur's eppetite is also it acts in a

similar way as some meglatide. They're both called golp one agonist. So all that means is that they are attaching to a receptor that causes your appetite to decrease. Tre'zeppetite is a little bit more specific. It's a little stronger of a drug, it has less side effects. It's the same active ingredient that's in Manduro. Oh okay, so there is a brand name called Manduro.

Yeah, yeah, and that's trus appetide. Some meglotide, which is our biggest seller, which is what most people are taking, is the same active ingredient that's in will go via nozempic so, but they all act in the same way. It's just very simply, the TR's appetite is a bit stronger of a medication with less side effects than the semeglatite is all right, and that Denver Regen dot com starting at two fifty a month. You can't beat it, man, can't beat it all right now? And I know people

on it. Let's talk to Niles as an issue with Brighton Ford. Niles, what's happening? How you doing, good man? What's going on with you? Uh? So my issue basically stands from earlier this year. So I bought a brand new twenty twenty two Ford Maverick from Brighton Ford. Those are nice, man, Oh yeah, ordered it out online, waited a whole year to get it. Now what year was it? New? Twenty two? I bought? Okay, your model? All right. So the this January, I'm at work, my powertrain went out on me. No,

what do you mean? What what the powertrain is a lot of stuff? So they I thought, they told me, is the powertrain went out? And well, what do you mean? They told you? What? Tell me what happened to you? You were driving and all of a sudden could put or what so I went to go get in my car, go to turn it on and go drive forward, and then it loses all powered. It's a hybrid, so it lost all power. Started it back up

nothing. After a couple of minutes started it back up. I was able to put it in reverse, get it parked, and then my phone gave me a notification saying that there's a powertrain connection issue and I need to take it to the dealership. Wait a minute, your phone. Yeah, it's connected. Thought, It's all connected, like with the computers and stuff. So, by the way, may I ask something on this hybrid? How many horse power do they rate that? Oh? God, I couldn't even

tell you. Well, did you feel like it? Or like is it a one? Is it equivalent to like a one fifty? Or what I'd say? Probably like maybe like that or two? Like two hundred horse powers? A take No, No, I don't mean horsepower. I mean like, is it like a fifteen hundred pick up? Think of like a smaller Ford Ranger, just like a Ford Ranger. Oh, it's one of those smaller downsize trucks. It's just like a smaller, smaller Ford Ranger, just

a smaller It doesn't have plenty of power for what I needed. Does Yeah, I get a toe a. You know, I can tow up to a ton with it. I can do what I need to do for my job. It's great for me. But anyway, the powertrain ended up having an issue. I had it towed to Bright and Forward. They had it for about two weeks and then I finally get a phone call from them saying, hey, we've got it fixed. It was the power training. I don't get. I don't hold on, bro, I don't want to hear

powertrain. I mean, there's so many components. What did they tell you anything specific they did? They just said they fixed it. But here's where the problem comes in. They go, we fixed it, but while we were out test driving, your vehicle was involved in a small accident. There's some damage. You can come and get your car. It's driver. So I get you have a brand new truck, little and they say, sorry,

what kind of accident? And they got rear ended by some dump truck or something and they were pushed into another vehicle because they were parts two clothes and so now I have rear ends and front end damage. Hold on, hold on, it was parked when it happened. They were stopped at a light waiting. Okay, now, Niles, you're gonna hate hearing this. Here it is. They were a permissive driver. They did not steal your truck. They did not negligently use your truck going out to a bar after

work. It wasn't an employee on a joy ride. It was a permissive use of the car and they did. What's that? I totally get that, and I know that they're now hold on, no, no, I want to tell other people listening, not only was it a permissive use, but they were not at fault. It would have been a whole different ballgame if they were at fault. They were a permissive driver and another driver hit them. It's exactly the same as if you were driving and another driver hit

you. It's all about collecting from the other driver and from your insurance or both. Gotcha. It sucks? Oh yeah, but it's but it's true. You can I can't see you suing them for negligence or for damages. Now you're going to say it was in their Karen custody. I totally agree with you. There might be attorneys who believe there was a bailment created and they had a duty to uphold, and they have to give it back to exactly the same as was given to them. That might hold up, and

I'd like to check with an attorney. In fact, John Fuller doesn't do property damage. He does personal injury, but he knows about it, So I'm going to ask him. I want to get an attorney's opinion. What were you hoping that they would just have to make you whole? Right? Yeah, at least either fix it or you know, I mean, what do they say about that? What do they say about it? What do they say about it not our problem? They do? They say basically the

same thing as I said, it's not their fault. Yeah, they just said, it's not our fault, it's here's the other guy's insurance. It's on you now and then and then basically they were just kind of like. What frustrates me though, is I did buy the gap coverage. Thankfully I was smart enough to do that, because the autobody shop puted me at twenty

five thousand dollars in repairs. That's more than the truck is worse. So well, you're gonna get so you're going to get a new truck anyway, right, Hopefully if the if the insurance is going to do that, the other guy's insurance, the other party's insurance is and what do you care? Let me ask you something. Let me ask you something. Straight up, it's a not at fault accident. Why do you care if your insurance, the other guy's insurance, or the dealer pays it. What do you care?

I'm out the three thousand dollars cash I put as a down payment. No you shouldn't. No, no, no, no, no no. You would not be out that if you bought the gap and you listen, if you're made whole and get another truck, how are you out three thousand dollars if they give me a new truck? The other insurance company has been very well, no, they're not going to give you a new truck. They're going to give you a truck equivalent to the truck you had one second

before the accident. And I'd love that. I would love if they could do that that. Well, how many miles were on this truck? Only eighteen thousand? Then you should get a truck of comparable value. Why do you think they won't? Are who was the other guys insurance? It's a company called Seduick. Okay, here's what I want to do. Let's get our attorney on you called in. I want to get you some quality advice. Okay, that'd be great. I'd appreciate that. Thank you. Sure,

Let's get John Fuller on Kaschina if you can. And then I understand we're also going to have a follow up that Deputy Chopper was working on with Solar. So I'd like to get either Mark On or brook either Probidenergy dot com one of my solar experts, Mark conkleprobid Energy dot com. Or let's get Brooke on from Red Rocks roof and Solar. Okay, so we got I want to line her up for when that Solar call comes in. I

also want to get John Fuller on to discuss this. Three ZHO three seven three A two five five go with a sure thing Denver's Best Roofer Excel Roofing

dot Com. You don't pay a cent until you're content. 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, I'm Tom Martino. You're troubleshooter.

By the way, the Castle Rockhome Show this weekend. Don't forget this weekend starting at noon on Friday. You're gonna love it. And it goes Saturday and Sunday Douglas County Fairgrounds. Like three hundred or more booths of all kinds of home improvements, wonderful stuff. Castle Rockhome Show this weekend starting Friday. Now, let's figure this out. I have John Fuller with me. He's a personal injury expert, but he deals in this stuff all the time.

When it comes to accidents and cars, he knows about it. Let's put it that way. It's about property, dam John. I want to just run this by you. Let's say it's you. I know you like pickup trucks, so you take your pickup truck to a dealer for repairs. They're out test driving it. They're a permissive driver. They're out test driving it. The guy didn't take it home from work. I want to make it clear it wasn't unauthorized us. The guy was test driving. It rear ended

by another truck. So what happens now? He'd like them to replace his truck the dealer. The dealer says, listen, it's just like an accident. It's not our fault. Somebody ran into us. So what do you think, John? Is there any bailman agreement when a dealer takes a truck, do they have a higher level of responsibility to him or can they say? Please say? That's like, hey, if your truck was stolen, we wouldn't have been responsible unless we contributed. I don't know. I mean,

I'm not trying to bait you. I need to know what you think. Okay. So my analysis of this is that you hit the nail on the head when you said they're a permissive driver, and as a permissive driver, the insurance coverage that you have on the vehicle would still be in effect and would provide all of the coverage that is on that vehicle. The only exception I think that may come up would be if it was not a permissive

use. And generally, as you know, if you give somebody permission at any point to use your vehicle, then forever more until the end of time. They're considered to be a permissive driver under Colorado laws. So I kind of think that with a dealership it may be it may be the case that that permission stops at the end of their authorize you. So you couldn't they couldn't take your car and go to the fast food place for lunch or you know, or go to a bar after work or do something like that.

But as long as they're operating it within the scope of the permission that you granted them, I think that your insurance is going to apply. But in this case, because they were rear ended, even though they subsequently hit another vehicle, it's still going to be the fault of the vehicle behind them that did the rear ending. Right, That's where all the coverage is going to start. The dealership does not owe them a new vehicle in my opinion.

Okay, Niles, I want to ask you something you're not denying it was permissive use, right, I'm assuming it was. Yeah, I'm that they had to take it out and test dry that once they were done repairing it, So yeah, that's too bad. Now as far as your down payment goes, they may not say to you, here's your down payment and here's money for the truck, but they have to settle with you on the value

of the truck. Where it might get dicey is where you can't come to an agreement on what the value is and for that, I want to refer you to someone else. And that's petty details. Look for petty details on a referral list. They do this for people for free, most of the time a small fee of you really have to fight and go into arbitration. These guys are the experts at valuing vehicles. Okay, petty details. So

I'm sorry about this, but you know what I'm thinking. It's one of those things that that happened and I'm telling you people they just can't stand it. Two other examples, Niles. Let's say your truck's there and he gets hit by hal. I say, what happens if it was part at a friend's house or at a mole and a guy hit by Hell, it's not

the dealer's fault. The way it would be the dealer's fault is if they promised you they were going to keep it inside and they didn't, or they saw it coming and said, you know what, let's pull this guy's truck out. We don't like them, you know, something stupid. The other one is theft or vandalism unless they contributed to it they left the keys in the car, or they were stupid about it. So that's the way that normally works. Three oh three seven one three talk three all three seven one

three eight two five five. Now it's Melissa's Melissa's uh turn, Melissa, what's happening? Melissa high? Anyways, I think somebody has I used my unemployment, your unemployment? How do you? Why do you think that? Because there got me on an integrity hold? Now as hold on? Were you on unemployment and then they put you on a hold or did you try to get unemployment? I tried to get unemployment, so you were not on unemployment. You just tried to apply and they said to you. You know,

Melissa, you're on an integrity hold. Mm hmm. So when did you try? When did you apply for unemployment? Around the fourth of February? And what did they say? They said you can't How long did they wait to tell you this? I told me I had to be put to go through an integrity hole before I could get my unemployment. And what did that mean is this something everyone goes through. I've never heard of this before, or did they tell you it was due to a problem. It's due

to people froggy department layer before twenty sixteen. But so does everyone go on this integrity hold or or is it only if they think you've been hacked? As far as I know, they said everyone has to do this. Oh okay, and how long do they put you on an integrity hold? Suppose to the age of ten weeks? Wow? Wait a minute, so anyone who goes for unemployment is put on an integrity hold for that long? Yeah,

at the least. What I don't know if you saw the New last night, but they had a lady that's been on that so longer than that. What do people do for money when they're I don't I don't even understand this hold on? So so what are you calling us to let us know? Or did you think we could get through and have it lifted or what? You know? I need I need to let people know. Yes, so this is going on. But at the same time I'm having problems with this. Well, of course, because you need to pay my bills now,

you know. I you know what Katschina, get one of our deputies on this. We need to ask. We need to get a spokesperson on from Unemployment to to talk about integrity holds. Seriously, I have never heard of this before. It's Kachina. I don't know if she's on the phone, she's here, Okay, Kaschina. We have a contact over at Unemployment. We do. I want to hear. I just want to know. Maybe Phil will come on Spsshart if he's if he could maybe comment on integrity

holds. I can always reach out to them. Let me let me see what I can keep saying. Everyone is being put on this due to excessive fraud. But what is what happens to her? Melissa? Leave your name and number so we can call and figure out what the heck is going on. Three oh three seven one three talk eight eight eight Heating dot Com twenty eight bucks. They come and tune up whatever you want, the toilet, the water heater, whatever item you need, electrical panel, it's electric plumbing,

heating or cooling. And what they do twenty eight dollars. And if you need any more repairs, they credit you the twenty eight bucks. That's eight eight eight Heating dot com three oh three seven seven zero two seven seven six Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free,

no obligation. 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 Tom Martino here, welcome to the show. Three zero three seven to one to three talk three all three each

seven one three eight two five five. We got another thing here. Let me put on that wide shot for doctor Joel. Another question we got texted to us five seven seven three nine. You can text me if you have a question. They want to know if you go off. They've heard different things. When you go off of semaglutide or chrzepetide for weight loss, do you gain the weight right back? I have an answer for that, but

I mean you tell me what the official answer is. Well, there was a study in the Journal of the American Medical Association on that very topic, and what it showed is that people lose tend to lose about twenty percent of their body weight over the course of twelve weeks if they go off to if they go off some meglotide, then over the course of the next thirty over the course of the next thirty six weeks, they gained back about half of

the weight. So you maintain at least ten percent of the weight loss over the next three years, even if you go off of it after the first three months. Okay, here's what I think. The whole idea is, you get used to new eating habits if you do it right right, in other words, you look at what the volume was and what you're doing now. And the only reason I think you would go off it, I think your body gets used to less calories. And I think the only reason you

go off it is psychologically. Yeah, I mean, really, I another not go off it. I mean, the only reason you would increase your caloric intake, it's not because you need it. Your body will be convinced of that after time. Yeah, I mean, we see that with our patients that have been on it for three four months that they're just maintaining the weight loss that they've had Denver Regen dot com. Let's go to Michael.

He has a comment on integrity holes. So I found out something today I've never heard before war and that is integrity holds for unemployment and that means that everybody has to wait. I don't know what that means, but go ahead, what do you have to say about that? Michael? It is a real thing. Uh. I you know back at the oh, you know, starting at the COVID you know, yeah, craft that went around. You know, that's a lot of fraud job loss. Yeah, what a

front. And I collected unployment and after a while, you know, managed to kind of get back on my feat get another job, and unfortunately that one also came to an end, and so I reapplied and uh, were you put on hold? Yes, you know there was a problem and it like was Scott six months into it and I'm like, what's the what to you? And know what? So, by the way, did you finally get the back payment? I did? I did finally, But then you

know that was the term that came up. Well, I see there's an integrity goal placed on your Okay, thank you for confirming that we're going to find out more about it coming up. I'm Tom Martinez three O three seven one three eight two five five. Don't forget. We have more with Denver Regen dot com as well. What would your twelve year old self say? Now, you want to be a doctor. You don't think teachers saved lots. 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 Real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two ripped tough news. Need advice so you don't have come

running as fast as we can. Shooter's gonna help. Come man, This is the Troubleshooter Show. No Tom Martino. Hey, I'm Tom Martino. Welcome to the show. If you're looking for home improvements. The Castle Rock Home Show coming up this weekend starting at noon on Friday. They're fun. The Castle Rock is really fun. Plenty of parking you don't mess with downtown Denver Douglas County Fairgrounds. Look it up. The Castle Rock Home Show this

weekend like over three hundred booths. If you're looking for something to do, I think I'm gonna drop down. It's gonna be fun. And that's Friday, Saturday and Sunday Saturday. It starts at ten in the morning Sunday at eleven, So that's casser Rock Holme Show. Hey, let's talk to you today. We have our guest in talking about semaglutide and turns eppetide, which

are weight loss drugs that they are compounding at way reduced prices. And we'll get to that in a little while if you have any questions Denverregen dot com. We're also going to talk about unemployment. By the way, unemployment, we're told now people are put on integrity holds. Integrity holds not just select people but everyone, which means you automatically have to wait longer than you would. We're trying to find out more information on that. So if you know

anything about it, give us a call. Meanwhile, we'll talk to This happened by the way to Melissa, and we're trying to get an answer. But I think she's also talked about social security. Melissa, do you also have a social security question or issue? No, I think somebody took myself security number in Oh I get it. No, No they didn't. I think you're just hearing. You're just as you heard from that other caller.

I think what's happening is that really what's going on is what we thought, and that is people are all all people are on this, not just you. It's kind of happening to everyone. So it's a pain and it's going to be inconvenient. But if you keep listening to the show, we will talk about that when we get somebody from unemployment on to talk about it. Three oh three seven one three eight, two five five Lorraine, what's going

on with you? After? Lorraine will have some open lines as well, and you can also call three oh three Martino twenty four to seven, three oh three, six two seven eight four sixty six High Lorraine, What's going on? Tom December fifteenth, twenty twenty one. The roof blew off my commercial building. Wow, I'm a state pouk. Wait wait when did this Happencember fifteenth of twenty twenty one, oh, twenty twenty one? Okay, yeah, I'm the state farm adjuster. First he was arguing with my roofing

company over what type of roof? Well, what kind was it? By the way, it was a torchdown and they wanted to put a hot mod. Bit. Now, when you say a torchdown, was this a flat roof or just a light light pitch? What was it? Very little pitch? Mostly flat? Okay, the tubble was torchdown. Materials wouldn't be available till March. They wanted to put a mode which is three thousand dollars cheaper.

The adjuster dickered with them for several weeks. Now, who is it that wanted to who is it that wanted to put the different kind of roof on? My roofing company? Turned on why? Because why you get a roof on? Oh? Because the other one wasn't available wasn't available for four more months. So he argued with him for quite a while. And the kind that you opted for was was what kind? Was three thousand dollars cheaper?

Okay, got it. I was okay with that, get a roof on, but the adjuster kept arguing, and he was out with COVID for two weeks, and he played a week at Ketchup by What was the original roof? By the way, what kind was it? The kind that is on delay? Yes, the original was the kind on delay? Got it, and the adjuster said, we had to put like kind. Oh we couldn't get this. Well, they never complain usually about like kind or cheaper for goodness sakes, Oh this one did. Huh. And he was out

with COVID for two weeks. Then he played a week of Ketchup. I didn't get a written estimate for forty days. The ruffers could have put a roof on in two weeks. We were waiting for, obviously a written approval from the interns adjuster. By the time forty days comes and he gets around to doing giving me a written estimate after he gets over his COVID and the roofers couldn't come till February twelfth day they started, we got an unexpected snowstorm.

Hold on, so you're telling me the adjuster. The adjuster turned down the roof until he could do but then he eventually approved it. Eventually approved it after he got back from having COVID and playing ketchup for three weeks. It took forty days to get an estimate. By that time, the roofers couldn't do it for another couple of weeks. By the time they started, we got a snowstorm and interior damage. Yeah, you're not gonna know You're

I know where you're going. You're not going to get anyone. You're not going to blame the adjuster for that, Hi, because you're not. He was first. I'll tell you. Okay, you asked why, I'll tell you because under your policy, under your contract, you're obligated to mitigate your damages and protect your roof, no matter what it cost. You're obligated to protect it to prevent further damage. The second thing is there's no control over

a guy getting COVID. The third thing is there's no control over your roof for delaying. So it wasn't all your insurance company's fault either. So how do you assign blame? Okay, Well, number one, the roofers did come and try to tarpet Tom. This is a fifty by one hundred foot bill. Okay, But the short Call an attorney and they'll tell you. They'll tell you you're not gonna get anywhere. You have to put in a second claim and pay your deductible, but you will be covered by your insurance.

What trouble is? Okay, they did I did want me to do a second claim. They said they'd do, they would put it on the original claim. But they've low balled every general contractor estimate I've submitted. Well, that's a whole separate issue. You're dealing with a company. You shouldn't even be dealing with him. You should call a public adjuster and get and get this damn thing done the right way. A public adjuster will kick their ass. I call multiple public adjusters. One talked to Big Talk. Big

Talk jerked me around for six weeks. He was supposed to show up with his crew one day, didn't come. I called him. He said, oh, I'm on an inspection and call her a spree. Well, then guess what you called the wrong one? Who did you call? Did you call? I hope it wasn't someone in my on my list. I don't know he's on your list. It was company? Okay, So what happened? What's the bottom line. Where where are we right now? And now

we're twenty eight months out? My building shuttered? They keep lowballing every general contractor estimate. I sin, okay, you still need a public adjuster. You still need a public adjuster. I'm hoping you didn't lose any rights. You're twenty eight months past the damage. You never well, no, you filed a claim though you only have You only have three years until it's closed out completely. You need to call. Listen. I want you to try.

I want you to try Paragon Services. They have public adjuster. YEP, a public adjuster. Paragon Services, My buddy, Matt Stanford. You tell him that I told you to call. What's that? I want you to listen. I'm going to try to get that number for you right now. I want you to tell him that I told you to call, and I want to see what he can do. I'm not promising he can drop everything, but you need to protect yourself. You're just getting jerked around right

now. That's what's happening. You're getting totally jerked around. Let me see the number is damn it? Okay? Here it is seven to one nine seven two six zero zero two zero. What was his name? Again, Matt, Matt, just say I'm Matt Stanford, but call just call him and see what he says. How tell me the dollar difference? Do you know you can sue them for bad faith and win and get a tourney. You can get attorney's fees even if they turned down a legitimate claim without a

good reason. Did you know that I've called a handful of lawyers. They all say this is not their type of case. Well that's because you didn't call a did you. Did you know there are attorneys that handle nothing but nothing but bad faith. But first they want you to get they want you to go through the process. So so Lorange, just listen. First, you get a public adjuster to determine what you need and if it's reasonable,

then you get a contractor to bid it. And if your insurance company turns it down, you have a bad faith claim and most of the time you will win and you will get a lot of damages. Now you want to know a law firm, I already told you. But first you go through Paragon, then Black or Daily Black. I believe it's called the Black Daily. I think it's Daily Da l Y Black. And they are are attorneys

that do bad faith. Yep, it's daily and black daily and black da l y and black the color black daily and black and those suckers, those suckers, here's the number for them. Seven to zero nine two five zero seven eighty five. Okay, let me know what happens, because I think I think you have a good case. Three all three, seven to one three talk seven one three eight two five to five. You know, Frank Duran, the real estate man, will do an evaluation of your home what

they call a market analysis, to see what it will sell. Where you might think, wait, I'll just list it with a guy because he said it's worth this much. No, don't. Frank Duran will never lie to you. He's accurate. He's one of the best, most prolific real estate brokers in all of Colorado. He will go there and he will examine your home and no obligation whatsoever ever to list. He'll tell you what it will sell for, in my opinion, in almost a certainty three oh three nine

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

home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine here three O three seven one three talk three O three seven one three eight two five five. Lines are open. You can call right now with any problem, question or complain, and you can always call three H three Martino three O three six two seven eight four sixty six. Now, Deputy Chopper, you said Chopper's there, right, I assume, And uh you said that the solar company or the solar people might be calling. Now

tell me what's going on there. Uh, we're waiting to for them to call in. They haven't called in like they said. But uh, we were going to talk about they We thought we could go or tell them how to go against gold Leaf finance. In other words, the finance company can't collect on something that in a solar business that is not being done right that? And this is the worst solar company I've ever heard of, this first solar whatever one solar, one solo. And not only is one solar,

does one solar suck? But also I don't like the idea that that even the other place, Vallot Valor Solar sucks too because they sold it. So you have two sucky companies. And Valor wouldn't put any pressure on one solar. No, they made their money and they moved on. And so this is a fifty four thousand dollars Is this the one? I mean? The system is inoperative, right, Yes, it's a good leap that financed it. Yes, was this first? Okay is the name of the consumer,

Beth? No, it's Alex and Coy and they should be calling in any guess what? Guess what? This is the second complaint that we have, because I just found another one I was talking about and okay, yeah, yeah, so this, okay, this is Sleeves Brigade time. I didn't realize this. Did you know? We had a second one? The same thing happened, totally inoperative. I'm not aware of that. They did give them a battery, which they said cost sixty thousand, but it only costs

ten. But that's not enough to run their system. You know, Valor sucks. In fact, did you ask? Wait? So we have literally three problems with Valor right now, three of them and one Solar. Three problems with the same thing, three of them. That's you know, that tells me something. So I definitely have to put them on the seas brigade. They're not coming through. They're not coming through at all. Valor and One, you mean both of them, they both suck. They're good partners

and in fact, screw these people. I want people to let Valor know that they suck. I just realized, what are you kidding me? What do they call Valor roofing, Valor roof and Solar here? People, I want you to call them and let just be kind. But here's what I want you to say. You know, we just found out from Tom Martine that just on his show alone, there are three complaints about inoperative solar systems because you suck. But say it in a nice way, Tom. I

just got a message from Lloyd. They had the wrong number. They're going to try to get in as soon as they can. Here's the number for Valor remember Valor and one solar, Valor and one Solar they suck. Valor sucks three oh three seven seven zero seven six six three. Valor sucks three oh three seven seven zero seven six sixty three. Valor sucks, and Solar one or one solar. Here's the problem. They sell systems and they can't freaking get them to operate. I'm gonna go over these problems. Okay,

I'm really pissed. Okay, I didn't realize this. So Beth and her husband listen to this one. This goes way back. Beth and her husband signed up for solar with Valor Roofing fifty four thousand dollars. Then they had a tax credit coming off of that. They don't have the inqueme to qualify for the credit. The system was installed by one Solar and it's being financed through good Leap. Is that the same one that financed this other one?

Chopper? Yes, that's correct, but says they never signed the purchase financing your agreement. She has pissed at the entire process. Plus the system is inoperative. Think about that inoperative, Tom, the caller's coming in now, and the next one, Jack, Valor Roofing and Solar sold him a one solar system that sucks. That's another one. That's Jack he called in a while ago and that was given to Smarty Panch. That was a while ago. They suck. I'm getting them on the sleeves, brigade, man,

this pisses me off. I just put this all together. And then the next one is Lly and alex Or. Alexis they contracted in October twenty twenty two. Their system is not working properly. Why because of Valor and one Solar. So I want you to let Valor know that we know about him. Listen when I tell you this, and I mean this sincerely. I really don't want you to be vulgar or vile. I don't mind even say they suck or we heard you suck, or we heard that you don't come

through and you're a terrible company. And if you don't like it, Martino would love to have you on the air to give your side of the story, which you refuse to do. And you can call him at three zero three Martino, just telling that three oh three Martino, Okay, their number at Valor three O three seven seven zero seven sixty sixty three. Damn it. I hate this. I hate when people get ripped off, and they do get ripped off by these people, So stay tuned for this. I'm

going to talk to these consumers who were ripped off. Dan McKenzie, by the way, an estate planning attorney. And everyone needs a will, You may need a trust if you want to pass on your business, you want to pass on your assets, even your fine arts, whatever you have. Dan McKenzie can come up with a way for you to do it in a very simple way. Dan McKenzie McKenzie Law, eight three three co Plans eight three three co Plans the website 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 contenth wait 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 here three oh three seven one three talks seven one three eight two five five All right, So here we are helping you solve problems, answer questions, take complaints, make your life a little easier. And I want you to remember this. Valor roof and Solar sucks three all three seven seven zero seven sixty sixty three they suck. We have three complaints. Now you might think tom three complaints, Hell, three complaints aren't a lot

of complaints. Now remember this, I use the old road kill Do you know what I mean by that? By the way, do you know what roadkill theory is? I don't. Road kill theory is this that if you see particular road kill of a species more than other species, what does it tell you? It tells you, Joel? What do you think it tells you, doctor, Joel? Come on, if you see more of skunk's killed than rabbits, or you see more rabbits killed than raccoons, or more

raccoons a particular year, it's the road kill theory. I would say this because there's just more of those. That's exactly right that they actually came up with this years ago. Well, it's because not all species go on the roads. But if they go on the road, if there's enough of them to go on the roads and get killed. Well with solar the fact that my show, because I'm not going to brag and say, well, I've

been here forty five years and everybody knows me, because they don't. And with all the outlets out there, if my little old show gets three complaints about this company, three, that's a lot, you know what I'm saying. And now, obviously people do think about complaining to me, so I'll tend to get maybe more than someone else, but still think about that. I'm getting three complaints about the same company. It's not that big of a company, so there's got to be a problem. The roadkill theory. Has

anyone heard about, by the way, YouTube morals? Have you heard of the YouTube? Not the YouTube kill theory? Now, have you heard of the roadkill theory? Fines? Really have you ever heard that before? Now let's talk to Lloy who was a victim of Valor. They did such a stupid thing, Valor and one solar. Listen to this one. I find this fascinating. They put in a solar system. Now, the solar system

itself isn't shoddy, but they did not do their due diligence. They actually put the solar system in an area of Excel territory that cannot accept solar and net metering and certain feeds because of old infrastructure. To make a long story short, for that solar system to work in that area, Excel would have to build a new substation, oh about twenty million dollars or so. Well,

you see, they wouldn't do that. So you know, lloy and Alexis has this power the solar system that they can't hook up to the grid, and so Valor would have found that out, or one Solar would have found that out. Had they done it the right way, they would have found that out, and therefore they wouldn't have sold them the system. But now the only way they can use the system is if they're off grid with

a battery backup off grid. They can go on grid during certain times, but they have to have their system, their solar system, disconnected, So they'd have to come up with some crazy hybrid system that is disconnected from the grid part of the time where they use batteries and then connected to the grid other times. It's just too crazy. So in order to make the system work, their only option would be completely off grid or this battery backup system

or just get it removed. So, Lloyd, what happened? Did they finally after we talked to them, did anything change? No? Yet, we are waiting for an answer for a solution. So your solar system is not functioning right now? No, never they installed but never working? And did I explain it properly? How much? First of all, how much did this system cost you? Four thousand dollars? Yeah, we are paying through. We are way paying to the bank since last year for fifty four

thousand dollars that they paid to battle. The bank paid to battle without even telling us anything. And who's the bank? Because because Mark was really adamant about this, this finance situation, Chopper, what did I might be able to get Mark on the line, but he was really adamant about them not being able to charge due to this. You remember that, Yes, I do. Tom. Let me just call Mark right now and see. Uh, I know he's here somewhere. Let me just call him and see.

I'll get him on the line. What's that, Oh, he knows enough not to cuss. Hold on, let me just bring him up here. I'll get him on and he was he said, this is the option we should explore. Mark, Mark, you're on the air, by the way. You we got this solar guy on this the one the people that were ripped off by Valor and and he said, they've been paying on this loan for a year now. You were adamant about this, this option going after the lender. What did you have in mind? I know what you're talking

about, so kind of follow me down the road. We had Brooke in Geez, I don't know about two or three months ago. You were out and I got to spend a lot of time with her and talking solar on the air, and one of the things she brought up, and I think we should get her back on is this those companies lend money out to solar have an agreement with the companies that are installing them or selling them. I'm not sure, but if it is not a working solar system, the agreement

gets sent back. Funding then shifts to the company, not the consumer. And the company those people went through was one of the companies that Brooke said would definitely do that. So if you get her on, I think we're going to okay out all right, It's going to be the best option. Now, who financed you? Loyokie good leap, that's the one they always use. That's right, So you've been paying on it the whole time. Okay, we're going to contact them. Mark. Thanks and by the way,

okay, appreciate it. So Mark is working on on our other businesses right now. So listen, let's do this. Let's let's talk to Red Rocks. Let's call up our friend Brooke Kachina and Looy hang on. I want to get I want to get them on to talk about how we approach the finance company to put pressure on this other company. They should not have done this and you should not be paying I don't know how much you're paying, but you shouldn't be paying for an in op system. And again,

people, I can't say this enough. Valor roof and Solar sucks. Do you hear what these people are going through? Valor is at three oh three seven seven zerold seven six sixty three. It's a shame. These poor people have been paying for a year on something that doesn't work and they haven't come up with a freaking solution. Oh. I'm gonna be honest here. Sometimes I want to swear on this show and say, w TF you know, or, as they say on the on the Michael Brown Show, this is

foxtrot uniform, Charlie Keilo uniform, Papa. All Right, I didn't put the D on the other one. Nevermind, I'll come up with it. I'm saying it out of my head here, okay. Three all three seven to one three talk so we have more coming up. Stay tuned. We're gonna get Red Rocks on Brooke to talk about this. I'm Tom Martine. Go with a sure thing Denver's best rufer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance 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 Know what does Hi? Tom Martino, You're a troubleshooter three all three seven one three talks seven one three eight two five five Brook

is with Red Rocks Roof and Solar. They do a great job. Red Rocks rs dot com. Heybrook, So I looked into my records. I didn't realize I had three problems, all different ones, but basically incomplete systems from Valor Roof and Solar. Who works through one Solar And I'm saying this, not you, They suck And you know Mark was saying Tom, I talked to Brooke about this and there might be some hope for Loy. Loy and Alexis bought this system fifty four thousand. They've been making payments on it

for a year and they don't have a system they can operate. I don't know if you're familiar with the system with the problem, but it was built in an area of Excel that can't accept solar. Now I've never heard that before, by the way, but apparently for them to take more solar, they would have to build a new substation. Have you ever heard of something

like that, Brook, It's very rare. Usually it's just a transformer that needs to get upgraded in the neighborhood or wire from the transformer to the house. So the fact that a substation needs to be upgraded is I've never heard of it either. Anyway, what we're told is Valor or One Solar should have found this out when they did their due diligence. Is that something you

would know about if they if they had an inadequate transformer or substation. Yeah, one Solar at the EPC, So it's their responsibility and throughout Excels permitting process. That's part two of that permitting process is whether or not the system is going to be accepted. So the only issue now is they need sixty thousand dollars worth of batteries and I don't know how that works, but somehow they'd have to have some switch on switch off of the solar because they can't

take the net metering. So I don't know how that works, but they'd have to turn it off during certain parts of the day then turn it on. Does that make sense to you? So with the sixty thousand dollars worth of batteries, they'd essentially be off grid, so they would have a disconnect that would not allow their house to continue to push power out to Excel or to take power from Excel. There's a disconnect that would exist between the main

channel and the meter. Would they ever be able to take excel. They can go back on the grid if they want to, but then they would have to shut off their solar system. Because that's what I met, that's what they had they were gonna they proposed some stupid system where they would turn off and turn on and turn off and turn It's ridiculous. The bottom line is this. They are financed through good Leap and they've been paying on it

for a year. So is their recourse going through good Leap? I am unsure they can file a customer complaint with them, but from what I understand, loy and Alexis have called Good Leap and file complaints with them for the last year and there's been no avail for them either. Because Mark said that

you were mentioning that some finance companies will take recourse. Yeah, So for instance, if the system isn't turned on within a certain timeframe, then that company can get in trouble by the finance company and then that can do what called a clawback. So if it's been over six months since the if you can hold on, Brook, I'm running out of time. Hold on, I want to bring you back to just recap this to make sure 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 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 re Max Alliance three all three nine two zero sixteen twenty two Ripped news need advice so you don't have come run in just as fast as

we can. Shooter's gonna help. Come man, This is the Troubleshooter Show. No Tom Martino, Hello Tom Martino here three all three seven one three talks here Old three seven one three eight two five five. Welcome to the show. This hour brought to you by renew home Innovations dot com for beautiful bathrooms. If you want to do a shower, don't even think about it renew home Innovations dot com. They take out that old shove. Do you know what a shove is? A shower tubcombo that you step over. The

old curtains are diffuse doors. These new ones have no doors. That's to walk around. You don't have to go over any thresholds. Beautiful glass panels and own like walls with stone resin, with no maintenance. They do it in two or three days. Here's the best part, seventy two months, pay no interest renew home Innovations dot com three h three nine er A four two thousand. That's nine zero four two thousand. So I want to follow up with Loy in the solar system. Then I want to follow up with

Brook our experts. So bottom line, Loy can't use their solar he can't use the solar system. Loy and Alexis and Brooke said there there there could be a recourse with Leap. But Loyd, did you already call good Leap where it was financed and told did you tell them the system is in operational? Yes? I did. I received a call in April last year telling me that my law on start in mainspire. I told them that the system is not working and the answer was they know their business, none of their

business. So they've just been saying they've been accepting money from you knowing the system isn't working. Yeah, yeah, easy. So yeah, but he's not working and how much how much have you been paying a month? One sixty three? So Brooke, Brooke, So really there is no protection as we thought then through financing. Yeah, so they can call. By the way, brook is our expert, I should mention with red Rocks, roof and Soler go ahead. Yeah. So this is a unique case in that

the utility company stated that PTO will never be allowed or permitted. So if lay and Alexis called them back again with myself or somebody that could explain the situation, then there would be greater recourse. But as of right now, it's very common for systems to get installed in it to take longer than six months to get activated. Even though the system can be activated, in this case, the system cannot ever be activated unless the substation is upgraded, which

will take years to do. So okay, so I would like to I would like to have you help them out. We can have Kachina off the air kind of make that connection and basically see what we can do for them. This is a terrible situation. Have you heard of complaints about this about

this company before? By the way, yes, So both one Solar and Valor are the reasons why I open up my own company based on how they treated customers and their lack of integrity and ability to install appropriately according to code. That's well said. Thank you. That's Brooke, red Rocks roof Andsolar, Redrocksars dot com three O three seven zero four two four four nine. Thank you Brook for being here. Lloyd. We're gonna follow this up.

Lloyd. We're gonna follow this up at another time, and we're going to get you Kachina. Let's get Lloy and alexis in touch with Brooke off the air, and then they call good Leap and then I believe good Leap. She can talk to good Leap and explain what's going on, and maybe if they claw back the money, Valor might have something to say about it. But man, this cannot be good. And this is going on the Sleeves Brigade as Sleeesbrigade dot com because it sucks. Now in other consumer news,

this is really pretty telling. Tesla is laying off ten percent of the entire global workforce. And here's what they say, basically that there's competition finally, and the allure and the shininess of Tesla is kind of wearing off and a lot of the production has been slowed down, so really they're having a setback. Now. Elon must says it's the calm before the storm, and that it's a lull, a planned lull before their growth. But I think he's

doing that to try to keep his stock from tanking. But they could be laying off another ten percent according to some insiders. And I don't mean like inside stock rumors, I just mean of the industry, of the ev industry. So if that happens, that's going to be a ton of people, because you know, right now thousands I had the exact number. I don't have it right now, but thousands of people were laid off. Oh yeah, ten percent, Okay, more than fourteen thousand people. But so they

say there could be another fourteen or twenty thousand in the near future. Now, what's interesting is they are kind of penalized by their own success because what happens is tax credits are dolled out based on the first so many millions of cars produced, not millions of cars produced in the country, but per company, So they were they're going to run out of tax credits before other companies run out of tax credits. It's really sad the way that's happening. You're

a victim of success. But they say that the EV industry in general is growing, which is good news if you like electric cars. There are some that believe it's never ever going to take a never take a hold completely because of the grid, and that the grid won't be able to take it. I'd like to know what you think about that. I was thinking my next car might be electric, but I'm not sure right now. I'm really not

sure. There's, first of all, shortage of battery materials to make batteries, and there's a problem with grids in some states like California are saying they're gonna make it so unless you have an EV you can't even get into the state that's gonna be Well, that's not surprising for California. I mean,

those people are crazy. But it's amazing to me that we're moving headlong into the EV industry when we haven't figured out the infrastructure for charging and keeping them charged, and we haven't figured out what we're going to do about making batteries or better batteries. And this is all happening because of, of course, our move toward more green, sustainable energy. Three oh three seven one three

talk three oh three seven one three eight two five five. Now we're going to talk about other stuff like Denver Region, Denver Regenerative Medicine, Denver regen dot com. A lot of people are going on compounded semiglutide or churzepetide in order to lose weight. It was originally introduced as a diabetes drug. Now what does it do? Somebody asks by text and you can text me at five seven seven three nine. Somebody asked, what the heck does it do

to your blood sugar? They said, tom, if if we're going on a diet and we didn't have a problem with blood sugar, can we get low blood sugar from this? And that's that's really a good question. That's really a good question. So what does it do to their blood sugar? So by by decreasing your appetite, what it does for diabetics is it decreases their consumption and food in general, which des well. Also, it decreases its move of food through the digestive system, which slows the absorption of glucose

right, so evens out glucose, right. But it doesn't actually lower blood sugar. It it does lower blood sugar in the fact that people are consuming less all of sugar altogether. Okay, that's true, and it also evens it out. So is there I guess what we're asking, is there a danger of going low sugar. No, all that's happening is you're just eat You're just consuming less calories. But they say, now, and I want to talk about this in a little while, that it's having other plus benefits.

Do you know that some people claim it's helping them to stop smoking. Well, it does affect something with the brain. It affects the satiation centers and the addiction center. If there is such a thing as something so compulsive compulsive behavior can also be effect Now we'll talk about that. I don't I don't want to give away too much of that. But Bill, you you want you have a question about fluorescent light bulbs, Go ahead. I don't

even know if they make fluorescent. I meant the compact fluorescent. They don't make anymore. If you're talking about fluorescent tubes, they still make those, but they're on the way out. Go ahead, Bill, what's your question? Well, that's the question I have, is what's going to happen with the whole walls are going to have to do a change over. Well yeah, but that's not a big deal because they're making two kinds of bulbs now,

they're making an addition to fluorescent, two replacements. I've seen that they have the LEDs that can go in just the way it is, and the starters, those little transformers are starters, won't won't hurt them. Then they had the other kind and the truly the best kind, or the kind where you take the transformer out and the starters you don't need them at all. And what you do is you wire past them and put the new tubes in, or if you're not, if you don't want to mess with rewiring,

you simply put up a new fixture. Yeah okay, Well my problem is with fifteen foot up in the air with it. Stuff is fifteen foot for fluorescence? Well, no, from the floor to the ceiling for fluorescence or for regular My lights are in the ceiling. But I got what kind of lights? Bill? A fluorescent? Regular? Fluorescent? What in your kitchen or where in your regular house? It's a family room, Okay, you have fluorescent lights in your family room? Yeah? Yeah, yeah, I

just had them put in when we built it. So that's kind of weird. I mean, I've never seen fluorescent lights in a house except maybe in a kitchen or something. Well, I got fluorescent in the in the family room, Like, do you have a lot of them? Is it really bright? Yeah, it is really bright. And but you know I got fluorescinal I got them down stairs, I got I probably got fifteen lights. Fish, Why did you do that? What's that? Why did you do that? I don't know. What was easy to do? I guess at

the time. Well, because this is the I did this in ninety six. Oh my god, never mind, Now I understand. Okay, that was the rage fluorescent lights. No one puts fluorescent lights in houses anymore. But Bill, listen, here's the bottom line. They can all be converted. It's not going to be that much. In fact, you'll you'll make up for it in energy and in lifespan where you never have to go up and change them anymore. Well, you will, but they last for so

damn long. We have more coming up. Three oh three seven one three talk seven one three eight two five five Go with a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance 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, you're troubleshooter three oh three seven one three talks seven one three eight two five five. I want to go to Barry Miller. Now you may have heard that name before. Barry Miller. I've known him for many,

many years. In fact, years ago, I remember interviewing for Channel four on buying broker. It was the one of the It was a brand new concept. No one ever even heard of a buyer broker. I think Barry, you were probably one of the first I've ever interviewed or was around. We didn't you pioneer that area of real estate? We did it? Happy that it all started right here in Denver, Metro Colorado. Did you actually start it? Well, there are two guys before me, one in

California one in Virginia. They did it locally. I went and met both of them and they said, oh no, no, it's too good, we're not spreading the words. So yeah, I came back to Denver both those trips and said, you know what, we're going to start it and go nationwide. So yeah, I did start right here, and I was so I was one of the first journalists ever to talk about it. I've loved totally. Yeah, totally the first Wow, I remember do you remember

the interview way back? Oh? I remember on East on the oh, just off of Hampton and Yamy way back. Oh, okay, that was my radio show there too, that's right, and then there too. Yeah. So now listen, I want to talk about what you're doing now as well, because I heard Michael Brown doing one of your commercials about vest Era Investments, and I'm going to tell you my first impression. I said, well, this is a bunch of bees. What are you talking about doubling

my money? Bet? Okay, come on, man. So I figured I want to delve more into it than just okay, double your money, because look at Barry, you know as well as I do. You've been around a long time. And I do respect you. By the way, this is not an ambush. But you know people, when people promise like this, you think, what the hell's going on? So just tell me what tell me what the hell's going on? Total total, right now, right now. And I want to make something clear, by the way.

I want to make something clear, seriously, this is not a commercial. By the way, this is not a commercial. I called him just out of the blue and said, Barry, I need to talk to you about this because I always talk about investments and stuff. Okay, I just wanted to make that disclaimer. Go ahead. Yeah, no, that's the folly. I mean, yeah, two hours ago, I did not know we

would be talking. Yeah, you know, that's that's it. But it is based heavily on heavy duty, thorough I mean bigger than Moody's does research out of over two hundred and twenty metro areas in the country, heavy research, and it takes us two and a half months of research every October through December. Long story, made sure we come up with five or six of

the absolute best real estate cities. We call them cities. Okay they're metro areas, yeah, but metro areas, but cities where the return of appreciation is the highest anywhere. But then we go and we call them. They're people, but I find the best fire agent microscopes. We call them and I said, look, you have one hundred neighborhoods in your city. Find me the best five or ten highest return, most popular, best rental areas.

And we have a couple secrets. You know, I can't reveal at all, but we keep it in the price range under the national median price, which is four hundred thousand. Okay, so we are in cities where the median price is under four hundred thousand. The return every single one of our customers this year, the return all our new customers. The returns that are projected conservatively are fifty two percent or more for the first time. So well, that's doubling your money in two years, Barry. I want to

ask this though. I want to ask this when you say the returns, so these are not reachs. These are individual purchases or they pulled money for example, Yeah, thank you dude. Do five people buy a house, do twenty people? Do you all buy the same houses or do you buy different ones for different people? And I don't buy any of them. The consumers. As you said, they themselves become the owners of the property.

But we're fully turnkey oversee the management. We pick the managers, we find the buyer agents, we find the neighborhoods the property managers find out, but we find insurance brokers in that local area. All all of our hotspots in this year happened to be all right to the Mississippi. Now, I have a ton of questions, so I want to put you back on If you have some time, I'm going to put you back on hold so I can

take a break and some calls in between. But seriously, like all kinds of questions, like how it works and if if it's always one to one, or are people pulled or a risk or anything like that. So hang on. And I'm talking to Barry Miller, who is a real estate broker and he pioneered the buyer broker in the entire country. He also is doing this thing called Vista Investments, and that's what I want to know about. It's, by the way, it's not a security so he's he's allowed to

sell it. It's an exempt or not even exempt. It's excluded from any securities laws. The way he's doing it, So it's very very interesting. So hang on. And although I don't know, I might. You know, that's one thing I want to talk about because sometimes when you buy something and depends on the efforts of others, some people could call out securities, but I doubt it. I doubt it. So I want to talk to Bill. Excuse me, Jack, Jackie or Jacqueline. Did you say you

just had a scam call? I wanted to make sure we alert people what's going on with that, Jacqueline. Yes, Kathleen, it was somebody calling me saying I know you you check account is that Wells Fargo, and we want to refund you a bunch of with public service, refund you some money and we need your checking. We need your account information, the routing and the account number right correct, he said. And the agent down at the bank is James Adams at twelve forty two par Street, et cetera, et

cetera, and gave me the phone number. So I said, you know, call me back in two hours. And I went down there and talked to will Spargo employee and he said, hey, they don't have James Adams be the prefix of the phone number was wrong, and he said it's a scam. Don't give after checking account. Do you have that phone number, by the way, sure his phone number. I don't want to. I don't want it right now. I want you to give it to Kachina off

the air. Okay, okay, I just want to. I want to research this, So hold on, Jack Jacqueline, thank you very much. Three oh three seven one three tong seven one three eight two five five. People listen, don't ever, ever, ever, ever ever buy into the refund to your account, the credit to your account. We made a bad charge to your account, a fraud we found on your account, and now they want to. The whole idea is get access to your account never ever,

ever. A bank will never call you to get access to your account ever. I'm telling you they don't do it. Three O three seven one three talks seven one three eight two five five. Kachina, could you just read that note for Lyne one and let me know what's going on with that one? And then I got more coming up on the Troubleshooter Show. Go with a sure thing Denver's Best roofer Excel roofing dot com. You don't pay

a cent until you're content. Time for an insurance checkup free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Archino here. Okay, so let's go to Villus. Question about

Sema glue tide. Go ahead, Bill, what's happening? Oh? Yes, I'm on Samaglue tide. Uh. I'm I just took my fourth injection, and I'm I'm on a small dose because I just started on a point five US or whatever it is. I don't or five, but right now I don't feel anything. I'm still always hungry. Hey, Bill, let me ask you something. You you It usually takes They usually build you up over four injections. Do you know how many units you have? Do you

know how many units you're on? Yes? Uh, it's point I think it's point five. Very small. No, I mean, okay, how to convert that to US anyway? Bill? Bill? It does take a little while doctor, Joel, what what do you have to say about that? It does take he has to get up to that full dosage. Yeah, and that usually takes four weeks to get people up to that full dosage. I would say give it another thirty days. But now once you're up to the when are you going to be up to the full dosage? Bill?

Well, next week I start on ten ten milligrams or point ten? I don't okay any First of all, I'm not talking. I'm not sure what you're talking about when it comes dosage, but I can tell you this, twenty units is a full dose, twenty units, and I won't be on that for another month. Okay, they're kind of taking you extra slow. If you've already been on it for four weeks, you should be up to a full Listen, I'm not going to second guess your doctor, but

but normally they take you up to a full dose within a month. Yeah. Well, they must be starting me out slow, because let me ask you something. Are you on the brand name or are you on the compound? The compound and and okay, okay, well we get from Denver region. Okay, well hold on you guys. You guys don't take two months

to get them. He's says, you've been on a month already, Bill, how long you've been on at total of four weeks and you're only at a half okay, and you still haven'te And and then this week I started ten in this thyringe. Okay, So they must have we must have started you off a little bit slower than most people for some reason. Uh. But I would say give it a few weeks once you're on the full dose

before you decide whether or not it's it's working for you. Uh. And if you still aren't feeling any effects, get back in touch with Tye, our patient coordinator, and he'll go through everything with you. In fact, I would recommend that you reach out to Tie now. Why don't you call him right now? Really, you should call him right now. And again I've heard this from people directly that after you're on the full dose, after

you reach full dose, you'll feel it. In about two weeks at full speed, you'll you'll start and then because your body gets used to that. And again, I'm not a doctor, I'm just telling you what people have told me. Three three seven one three talks seven one three eight two five five. I want to talk again to Barry Miller. Barry Miller, he is a real estate broker. He has been around for years and years and years in Denver. Fully trusted. I trust him fully, I really do.

You don't last this long without having a great reputation. He's doing something called Vista Investments. And again, I want to make this very clear, this is not a commercial, this is not a sponsorship. I'm talking to him about it because I heard about these returns. And what he does is he buys real estate in a great markets and they're in it for the appreciation. Barry, I need to ask just a couple of questions when you do

these investments. Do you do one to one in other words, one investor comes to you and then you hook them up with one or more properties, or do you pull the money. We do not pool the money because that would be securities, and we are in real estate. More cannot security, so we cannot initiate pooling of the money. Okay, So what you do is if I come to you and I say, Barry, I have fifty grand, one hundred grand, whatever I have to invest, you take me

to a specific investment or two or three for me? Well yeah, yeah, yeah, And we would sit down with you, you know, for the men. However long it took to say, what is it that your financial objectives are? Because some people are retiring in six eight years and they want to have cash flow of a big nature, like ten grand a month in six or eight years. Well, that'll be a particular plan. Other people say, bet. Most most of our customers say, Barry, get

me that highest return that we hear about. Yes, we'd like to double our money in two years. Now, Barry, do you do the people who come to you for vesterra investments? Do they come to you for monthly income off the rents or do they come to you for appreciation of the equity. Truthfully, I could say both, but the whole truth would be most all of them for the equity gain, because that's where the big money is. When researched properly. It's safe as can be in residential real estate,

but it has to be researched big time. Okay. So if they come to you for appreciation and they put money in, is that that's money I assume is used for loan for them to get loans on the property right down payment down. Most people are putting the twenty five percent down. Now, when they put twenty five percent down on a property and they get the property

financed, do they always run a positive cash flow? Our requirement is the only properties will look at, meaning neighborhoods and properties have to have a break even or positive cash flow in the first year, and it has to get better in the years after that. And how long do your people expect to stay in that property before they sell and appreciate and get appreciated? Yeah, go ahead, Yeah, and that one, Tom, that's always always a

very pertinent question. It depends on what their financial plans are. Again, someone retiring in eight years, you know, we're structuring it for them, or twelve years some of them want, you know, family passed down, generational wealth. It could be a little longer, but most of our owners have a plan that is definitely in what we call mid range, closer to the ten year period. However, we do say, now, do you want to double your turns in a matter of years? They said, yes,

how do we do that? Ten thirty one time, We'll take one property and in two years sell it and buy for those people to properties, doubling their amount of income return. Okay, And no, cash out of their pocket. Now, Barry, I'm going to ask you some other questions coming up, and I appreciate your patience. I want to know, do any of your investors ever suffer negative cash flow? What if my property needs

a furnace? What if? What if? What if? All of that coming up on the Troubleshooter Show. This is fascinating to me, by the way, and I'm happy to be talking to Barry about it. More coming right up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Wait time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven

to one help. You'll think you're his own week 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 Archino, you're troubleshooter three all three seven one three talk three oh three seven one three eight two five five. By the way, I'm talking to Barry Miller, and he has uh, he's been a real estate broke for years. And we have

some interesting comments on our from our YouTube. I lovely call him YouTube warns. And I'm sure that they probably linger in the in the questions of people's minds in general. They're pretty reflective of They're pretty reflective of people what they're thinking. Okay, so some of the questions. First of all, this is a private investment. So what about tax implications. Do they get right offs? Do they get gained not gains, but do they get income during

the year or do they suffer losses? Somebody, you know, I can't believe that a house would be perfect, or an apartment or whatever. They buy duplexes and that's another thing. What kinds of properties? And what about furnaces and air conditioners and septic systems or whatever, drain problems? What about it? All of it. We have a requirement that the property to the triple check. Now we have a buyer agent who checks it first before it comes to us, that he sends us the numbers. The numbers have to

meet certain criteria. We have a proprietary analysis of the property. But deferred maintenance we call all those things had a septic tank issue. Today it was cleaned out and certified less than a year ago. We must have a strong, strong, written inspection report that makes it appear clearly clearly that in the next two years there will not be more than seven thousand dollars of deferred maintenance. Now, that's getting into the furnace and air conditioning. Okay, they're

the two big items we look at. Roof is also the third big item. We are finding what we call cherry picked properties and neighborhoods that do not have many rentals. Newer homes typically under twenty years and if they're twenty years old, we have to make sure that the furnace that heat pumps back east

you know they use them. But the same idea air conditioning that everyone including the arms length home inspector says every indication is this house will not have deferred maintenance items of over seven grand in the next two Sometimes we push and say tell us two to three years now. We also don't want at the end of three years four problems the total seven or eight thousand tom. In our four years of being reactivated in twenty nineteen we reactivated, we have had zero

problems The biggest problem was the thirteen hundred dollars replacement of a door. When I got involved because we oversee the management, that turned down to that turned out to be an under four hundred dollars new front storm door. So we are hitting the mark, but it's through real, real, thorough research and monitoring every single property that every one of our customers buy. Is it totally

hands off for the investor? It can be totally hands off. Some of them like to be more involved than others, but that's typically just a little bit more involved with us than asking us more questions that we welcome that, and we love skepticism in the beginning, and we loved communications throughout the brand. I didn't get to all my questions from my people. If you can hang on, I'd truly appreciate it. Go with a sure thing Denver's Best

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

Remax Alliance three oh three nine two zero sixteen twenty two Ripped News. You needed that so you don't have come run in as as a cam shooter's gonna help come Dix is the Troubleshooter Show. No Tom Martinez, Oh, welcome to the show. I'm Tom. Solving your problems, answering your questions, taking your complaints, make your life just a little easier. I hope that you've been hearing my call with Barry Miller. I'm going to go back to

that. I also have doctor Joel Trudak with me Denver Regen dot com about Semiglue Tide and we have questions about that as well. So we also have an update about the bows radio that a couple they moved and it was smashed and they needed a new one, and we'll go to that one. In fact, let's do that right now. We have a deputy a dollar depty dollar. This problem occurred when this older couple they were moving and their Bow's radio was destroyed. Right is that it in a nutshell And of course the

movers as usual said there's nothing we can do about it. Linda and Dean. What happened then? So then a couple of weeks ago, Linda had called into the show and a listener heard the call and said, oh, I have a bowse radio that I'm not you using, and he dropped it off here at the station. And then when I when I came in this morning, I asked Kelly if it was here, and she said yeah,

and I called Linda and they live about two minutes from the station. Oh, no, fooling yeah, And they just came right over and they're the sweetest little couple and they were so happy. They brought a CD to test out, you know, if that worked, but they were so thankful to the efforts. And that's cool. Yeah, I did not realize that that

is so wonderful. So they have. In fact, you know, it's been a while since I used my dinger, so I may as well use it, because if you don't use it, you know what they say, you lose it. So here's the dinger. And thank you for that listener who provided that you working on anything else? Dollar, Oh yeah, I've got a couple other ones that I'll have updates here in the new Kay day or two. All right, by the way, you can call us. We got another hour to go three all three seven one three talk three old

three seven one three eight two five five. In fact, if you have any questions for my guest Denver Regen dot com on stem cell therapy or Semaglue tide for weight loss that you've heard about, they provided at just two hundred and fifty bucks a month. Now the other thing I'm talking if you have any questions for Barry Miller. Barry Miller is you know I met him many many years ago. I met Barry many years ago and he was doing he

was he pioneered the buyer broker in real estate. He literally pioneered it. And I did a story on him and interviewed him, and then over the years I've watched him and he's done this. He's doing this thing now called Vestera Investments, where really it's it's not a reed, a real estate investment trust, it's not a pooled investment. But what it is is he advertises

and people want to get into real estate. He does it all basically as far as the management and the prospects and the buying the properties are helped them by it, and these consumers come to him. It's not pulled money. So a consumer will come to him. He'll set them up in a rental somewhere in a great market, he says, with good appreciation. But I have some very basic questions. There's always risk when you're in the rental business.

So what could go wrong? Obviously there could be losses, But so far, so far, you're saying, and again you know there are no guarantees in anything, but you're saying so far in how long you've been doing this? Now? So Tom, the company started in two thousand and three. I had some terrible family situations. I had to shut down for about eight years, from twenty ten to twenty eighteen, so roughly fourteen good solid years. And really the losses that we had, the only losses were because

of the Great Recession. I was telling some of our rights sell, sell, and some didn't sell soon enough. Now right now, though, Tea, Yeah, we got super active, super active more than ever before, because I have wound down my real estate professional practice because of this, and we have had no losses, zero losses in four years. In four years. It's not quite one hundred properties, but it's approaching one hundred properties and

now we're growing exponentially. Okay, next thing, do they get passed Do your people get passed through write offs? Yeah they do. That's up to their situation with their tax you know, prepare, but yes they do. Because some of them are taking you know, accelerated depreciate. I always warn them that when they do that, that's good for those years. But when they sell it, let's say, attend thirty one, they they're going to have to give back that gain. But no, but we're we're killing it.

Okay, because there's recapture of gains. But sometimes it's better to take the deduction in your high income years and then take the gains later on recapture in your lower income years. So they do get some tax right off. So they do, of course make most of the time long term capital gains, right because they're keeping them longer. Well yeah, yeah, and then

when they sell, you know, it's usually in an exchange situation. But eventually, you know, when people we have some wonderful listeners from okay, how of course, who are in their mid eighties now, and they're just saying, we're not ready to slow down yet, you know, but when they do it. They're going to not be hit with terrible capital gains. We all think they're terrible, but they won't be hit as hard as whether

they would have when they were in their fifties. Okay, Now as far as as far as let me see somebody says here, people say these investments sound almost too good to be true. That's one of the COIs. Okay, but you're saying it. The proof is in the pudding. And of course there's no guarantee now, but conversations and meeting with us and then seeing the numbers. We everyone who comes to us after they I mean, we want skepticism, but they have to sign a non disclosure because we reveal to

them actual properties that are recently purchased. If they want a four year old property. They want to talk to our current customers, but they do sign an NDA so that they don't go telling some sloppy real estate or securities person, you know, and then and then somebody's going to hurt them. Okay, but this is really important to you. Is it totally If I come to you and I don't want to mess with anything, is it all hands off? Other than signing my name, other than signing your name. You

get an annual report from the property manager. You get monthly reports from the property manager. But it's hands off. We are fully turnkey. That's why we really are pushing the change of our name. We changed our I haven't done it at the Secretary of State's office yet to invest Terra turnkey investments because we are now totally turnkey. Okay, the next thing, how do you make your money? You never trust anyone till you know how they make money.

Right now, Oh you bet you better ask that question. Well, the consumer does not have to pay us anything directly, but Tom, you know that both with commissions, the buyer commission, the buyer broker commission and the seller broker commission are built into still even with the court cases, into the asking or selling price of course, purchase price of the property. Okay, we're doing over half the work having the buyer prepared. So the buyer

then goes to our selected buyer agent in let's just say North Carolina. The North Carolina person becomes our customers buyer agent. They close the transaction, that buyer broker sends us in round numbers half of the commission that they received. That's how we get paid okay, but hold on, then what about I would imagine that's pretty hard to sustain with all you're doing, I mean just the buyer commission or half of it. Do you make anything on the management?

No? Nothing on the management. No, no, No, it's not hard to sustain. We have it down to very very efficient. If you will on behalf of the consumer business processes that in ballpark figure, fifty percent of that buyer broker fee that comes back to us covers our expenses, our research, which is the big big item, and we make a profit. Okay, I mean that's wonderful, but wow. So but do you

also get them on the way out when they sell? And I don't mean get them, I mean do we get a referral fee from the seller agent? Yes, we do. It's a little it's modified, it a little different because we don't do as much work and we try to get that seller agent. So your total commission, your total commission is on buying and selling. Absolutely, and then there's no one between you. Don't you don't charge

me a fee at all? No fees at all. No, there's an optional fee if you want us to do extra extra like what search and I'll tell you what it is over see the property manager. In other words, people are putting us in charge. Say up to a five hundred dollars problem, Barry, we want your team to take care of the problem. Well, hold on when you say property manager, do you have? Then you turn when I give you the money or invest the money, and you set me up. Do you find the loans? We find the loans. We

get no money from that. We do not. We find the property manager. We get nothing from them. But you pay us, ridging out about two hundred and fifty dollars a year per property. If you want us to oversee the manager themselves and the management of the property. Do you use the same management company in each market? We have one, no more than three in any of the bigger markets. And the property managers you've been working with and you trust them, Oh, we trust them. And I mean my

wife and I are in the company. She has to line up in line just like all the other customers. And we do that very open book, paper flow process. And I go to the when we pick a hotspot city, I go there. I mean I meet the property managers and all the people actually working the properties. I meet the local insurance brokers, of course, I meet the buyer broker and seller broker. I meet attorneys. North

Carolina is an attorney state, unlike Colorado. So I meet the attorneys who do the closings, and we make sure that they are pro customer, pro consumer centric, consumer centric people, and yes we trust them. But no matter what, it's my house, my loan, my responsibility. So if the and again I'm not looking for trouble, but if the management company goes tango uniform or if the uh, if the you retire or of them, you know, I mean, it's my ultimate responsibility to get rid of the

property or to keep it going. Ultimately, it is at our company invest there now we have two companies, vest Sterra Turnkey Investments, and then my brokerage. We have a couple of failed uh safe systems that are people oriented. We have three layers of people. Yes, I'm one of them. If I you know, go, I'm no youngster and uh, but I have young people coming into the company who'll take it over. We watch all those things. And yes, nothing is one hundred percent safe, but nothing

no investment anywhere in this great country of a country. We limit ourselves to the United States for obvious economic and political reasons. We're not going elsewhere where. The the risk is much higher. Nothing is lower risk than what we're doing. We have so many failed safe systems built in the entire process, and that includes researching the neighborhood after our customers buy the property. Okay,

so their investment. What's the shortest time you had someone in and out we had, Well, the shortest time is about two years, a little under two years, and that's because they had an economic unforeseen negative let's call it a financial disaster in their family and they had to get out and they still made good money. Now, a year ago, less than a year ago, I had a person tom her job and we were doing the research on her property. Her return if she had to sell it after about twelve thirteen

months was going to be thirty three percent after sales costs. Okay, that's the worst that we've had. And then her job came back and she said, Barry, I don't have to sell it. Don't have to sell And she has since purchased another property. Wow, we watch it. We care about our customers. All it is is microscopic care and macro economics combined, all the way to microscopic care. You know. I'm talking about walking the streets and making sure we get the best house at the best time. Sometimes

we put our offers in and they're not accepted. Fine, we just quickly walk. We're easily walk. You know. If it's not the right property, we're going to walk through negotiations. People are buying it all time. High interest rates right now right and high prices time interest rates, and this is now. We lost a couple of hotspot cities because of the high interest rates. San Antonio, I will say, was a hotspot city combined with high property taxes of Texas. But when the interest rates went up, it

was no longer a positive cash flow. I just told the broker and the people we were working with, I said, we got to take you off the hotspot market. We can't work with you until the interest rates come down or if you will get Texas to lower their property taxes, and that's not going to happen. So there's nothing to prevent someone to go to a hot market, although they don't have the research, but if they could find out a hot market to go there, buy a rental and get a management company.

So I've had people go around me. I'm sorry to say yes. I mean because I mean it's not magic, right or is there some is it? Is it all in the research or do you do the people know? Do the manager companies know? Well, Barry's involved. Let's treat these people extra well I mean or correct correct? Think about it. One person goes and they get a manager for one property. Okay, something goes wrong that property management company loses one customer. With us, they're going to lose

dozens of customers. Our people are getting great, great attention, all right, and we know it. We know it, and it works. But we have everything gear Tom and by the way, we love love, healthy skepticism. And we say to all the consumers you talk to anybody either I don't care for you know, go ahead and we love it. And we're here to answer questions at anytime. Now listen, I want to make sure people know this is not a commercial. This is just a real interview.

I had questions. Now here's the deal. Give out your number. I'm going to reserve the right to call you back. If people call in and ask about it, we'll get you. We'll get Okay. What where should people call for more information? Three zero three eight eight eight three seven eight eight. And then your website website is vest Tara. Now that's via in victory E s T. That's the word vest as in invest. And then it's Tara t E R R A invest in the land, but only one

t vest Tara turnkey dot com. All right, thank you very much, Barry. Appreciate that we got more coming right up. Go with a sure thing Denvers best Roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation comparison call Compass Insurance. Pay too much your coverage at dozens of insurance companies find out now

three oh three seven seven one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here three oh three seven one three talk three oh three seven one three eight two five five. Welcome to the show. By the way, Genesis Tootalexteriors dot com. Remember them for their fully uh everything, full service exterior maintenance

and repairs for everything hell damaged. Genesis tootal exteriors dot com. So you have one source, one contact Genesis. Now doctor chart Ach is with us from Denver Regen dot com. We're also taking your calls at three O three seven one three talk three oh three seven one three eight two five five. You have a half hour. You want to get in, you want to

talk about anything. And again I let Barry Miller go, that was, uh, just a very It's just an interest I had because I heard the ads and I thought, you know what, how when you do these kinds of promises on returns that's based on the past, never getaranteed, of course, But here's the bottom line. If you have a track record and you're doing it, you're doing it now. There are so many things that come

into play like that. There are so many people promising things. What you need to look at are guarantees in writing, or you need to look at track records. And again, there's nothing to prevent another great recession from coming or anything like that, as of course everyone knows things can happen, right, Okay, So what is on your mind today? Well, I have some questions about Semaglue tide. Again. Let me go to my text here real quick but we did hit upon the We did hit upon the obsessive behavior.

It seems to be doing well for that. One texture, by the way, said they lost on this seventy five pounds in five months. Holy crap. All right, now, let's talk about the Oh and somebody else wanted to make a comment on when I talked about Tesla, they talked about the Porsche and Macon, the Macon A twenty twenty five making it's it's an EV vehicle. Let's talk about obsessive behavior. What do you know about it?

I know there was some research on it. There's been some research and there's been a lot of reports from patients people have gotten over addiction from it. That or that's what they attribute to it. Compulsive behavior smoking Obviously, overeating is a big one because that's what it controls. But in addition and drinking, drinking smoking, I wonder why, well, because it it.

The theory is is that because it takes care of the centers of your brain that are affected by those compulsions, including eating, those pleasure centers of your brain are satiated by the drugs. So basically it suppresses your compulsion to want to eat or want to do these other things. Okay, Now somebody also asks will you ever have pill form in some of glue tide? I don't even they have that. That does exist. It's very but is it as effective? Not at all, which is why we don't offer it. You

have to take more or you have to take it more often. I don't think that it works very effectively at all. I think because it's passing through your digestive system that it gets broken down to the point where it's very I would say you'd probably have to take more and more often. You probably have to maybe even Daly who knows. I mean, it would be a waste,

right. You see some online pharmacies offering that for discounted prices, but really it's not a very effect Do you find that injections are a barrier to entry from a lot of people? What percentage once they speak with us? It isn't because really what it is is a minor insulin injection, so it's a really thin nied. It'll be surprised though, how many people can't inject themselves. I remember when I started doing testosterne shots, I never thought millionaires

I could do it. Well, this is different. Obviously, it's a much. Well, no, it's much smaller. But once you get over that, you can do it. I mean, I don't know how to explain it. It's just almost that initial thing. But the insulin needle is it's it's a mosquito, but it's it's painless after you do it the first time, it's it's a piece of cake. Okay, So you know, we can you can always. One of the benefits of our clinic and our clinic being local is that you can always come in and our staff can show

you how to do it. That being said, I don't think we've had one patient come and take advantage of that. Uh. The so everything is sent to them, ship to them, everything is shipped to them. So right now somebody else want to know, is everything virtual from the right from the get go? It can be, and most patients opt for that. The convenience of of being able to talk to the doctor and talk to the

to our patient coordinator remotely is a convenience for most people. That being said, we always offer anybody if they want to come into our clinic, they're welcome to do so. Three three seven, one, three eight, two five five more 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 checkup free, no obligation. Comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven 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 Martinez here three all three seven one three talk three h three seven one three eight two five five Java,

what is happening? And I'm sure no one has ever called you Java the hut? What's going on? Oh? Yeah they do. So I have a story for you about people trying to get past that insulin needle you know, you in your body. It's not that big a deal. Yeah, Well, I personally have injected it into my member for viagra, And I mean, does it stuff work or what? Now? Get over that? What do you mean by that? I think what he's trying to say is that he has no problem object. Oh my goodness, Oh that you're

talking about the ed shot. Yeah you lane. Oh he's a that's his GPS. So listen, hold on, bro hold on. Are you telling me that you've done that? Oh yeah, I got prescriptions for a year to do it. And and okay, this is a family show, but we can talk about this a little bit now. You got to be pretty so nothing else worked? Is that what you're saying. No, that's just what they prescribed. It was just a helper, you know. And is it like us? Is it as small as an insulin needle? Exactly?

Yep, exactly like it. It is an It is an insulin needle. It's the same thing that we use. It is the same thing. How do you know about it? Well, because we've offered that the patients as well. You have okay, you offer that service as well. So no, seriously, So that's what the man's men's clinics and all those you hear advertised say, you know, come into the office. If the dose do work, they use an insulin needle. Okay, yes, but I do. Hold on, hold on, hold on those men's clinics and stuff.

You don't put it into your penis. They just put it in your body. You put hormones in your body or whatever. No, No, we're not talking about testosterone. There are some clinics. I know. I'm talking about the actual stuff like viagra, And you put it directly in. I know, I know exactly what you're talking about. And it's not viagra medicine. It's not even close. It's a different kind of medicine altogether. I know all about it. I mean, I shouldn't say I know all about

it. I've heard all about it. It's just that I couldn't even imagine someone doing that. I mean, you gotta be truly really, I don't know, y yeah, yeah, yeah. And by the way, I believe the reason for that is that it constricts venus flow, and the venus I don't know. Then you know, the yeah, venus flow. In other words, what it does is it keeps it from outflowing. Most men

have a problem. You see. What viagra and the others do is increase the inflow, and they hope to increase it enough where the outflow can the inflow will keep up with the outflow. But as you get older, the leakage or the outflow of blood is more severe than an anything you can put in. So that's why those needs me though, Tom hold them. What was killing me was when I was taking set of phil or all those ye yeah, yeah, my head, my head, my head, shoulders,

on my head, on my shoulders would feel like it was exploding. A lot of people have said that, a lot of people have said that, and again, you know, you know, we can be we can be sophomoric about it and all that, but there is a problem with a lot of men with ed as you get older, and it's not nothing to be ashamed of, but but truly, those injections you're talking about, more power to you if you can do it, and that is to restrict venus flow.

That's exactly what it does. I mean, that's exactly and all I know is it works. Yeah, okay, so I don't know how you get over it. But again, congratulations, because if I ever went to one of these men's clinics, I say, I never went to one. I heard the commercials, but can you imagine if I walked in and they said, oh, by the way, here's what we have to do. I'm thinking, what I mean, I never even dreamed of that. I never even heard about it. I think, who was it that somebody told

me about it? And said, you know what that is, right? And I said what those commercials? You know what they are? They're injections And I said really, but but doctor Cherdak, you guys, so you do testosterone too, right, Yes, and you do a testosterone along with sema glue tide, you do, you know, so you do the weight loss, you do the stem cell therapy, even hair therapy, the PRP and stem cells for hair growth. So basically anything to do with the hormones

and the regenerative minds, regenerative medice the right. So I did not know you did those injections though, And how the heck do you do you teach people? How do they get over it? Do you get the same reaction this ew? We do? And it's pretty rare that we have those patients that need that service. Yeah. Primarily the patients that we have are on you know, your generic Biagora, your generic Cialis and things like that. But in the rare cases where those products don't work, the injection is the

next step up from that. All right? Three oh three seven one three talk three all three seven one three eight two five five go with a sure thing Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out Now

three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three oh three seven one three talks seven one three eight two five five finish out the show with Denver Regen dot com. And we were talking about we got off on some crazy stuff today, but that's okay.

We can talk about anything we want. All you have to do is call us at three zero three seven one three talk seven one three eight two five five. So here's the dam. Here's the thing is if you want to do this semiglue tide, that's what they're doing, okay, and they're doing it cheaper than anyone. And I say cheaper is cheaper. Two hundred and fifty bucks a month is pretty low cost. The Church Sepside Church's eppetite

is a little more, but it's well worth it. And they also, of course, as we heard, do other services for men, uh for you know, testosterone treatments or for hair growth to thickening hair, all kinds of stuff. Stem cells, And we don't talk about stem cells a lot, but I just want to touch on that a bit. Stem cell therapy is still going strong, and of course we've been shifting our advertising with you more toward the weight loss thing because it's such a hot commodity. But I

can't help but say how that stem cell therapy helped me. In fact, I'll tell you what. I came so close Joel to not doing the surgery. The reason I did a surge, I told people I had nothing to do with pain at that point. It had to do with the point that

my bone was so far gone that I opted for that implant. But had it not been because what my doctor said was, I'm so happy you're out of pain, And he said it must have been stem cells because we didn't do anything and I was off all drugs, all pain, and then I opted for that because what he said is when you get into your if you're fortunate enough to live to eighty or more. You know, this is gonna be a problem now. I imagine with stem cells there are people who are

just too far gone. But no matter, I can't believe with the amount of deterioration I had that it took the pain. I just can't. I always tell you that that I was blown away by it. Yeah, well, you know in your case, and we talked about that. You know, you were at a pretty severe issue with your back. You guys were honest with me saying, yeah, we can get rid of your pain maybe,

but we're not gonna get rid of that condition, right. And we have patients with all levels of degenerate arthritis and other conditions and their joints, and we'll be honest with them and tell them, you know, based on our experience, what percentage of improvement we believe that they'll so experience. But it never ceases to amaze me as well, how bad somebody's deterioration can be and we can eliminate the pain. Here's why you don't get credit. Maybe

it happened three months later gradually, and I was out of pain. And then I said to my wife, I'm out of pain, man, And she said don't you remember because she was with me? Right? She don't you remember we were there? You got stem cell? I mean, I joel. It sometimes is so subtle afterwards, people aren't connecting it with the treatment. They're expecting your treatment to work two weeks later. In some cases it does well. Okay, okay, you know, it's just it really

depends on the patient. We tell patients, you know, it takes about thirty days before you start really noticing some significant effects. But that being said, we have a thirty to ninety I would say, right, is not unusual? Or is that too way longer? It also is dependent on the body part two. Oh, so the lower back because there's not as much blood flow as there are to take long the other joints. It does take longer for people to notice results. But we're talking about a knee or a

hip, which are our bread and butter joints. I have a silly question, and again this is a silly question. We're running out of time. So I was thinking, you know, I work out, I still get ags and pains. Everyone does, right, Can it help with normal ags and pains? Or you don't recommend it? It's only for deteriorated condition. No, absolutely. The sooner you get on top of regenerating your joints, the less pain you have to obture, and the less degeneration you're Denverregen dot

com. We're out of time. By the way, thanks for being here. Back here tomorrow and remember three all three seven one three talk no better yet. Three oh three Martino three O three Martino for help, information and referrals.