The Troubleshooter 5-28-24

Thank y'all ripped up that news need advice, so you don't have you come running. Just as fast as we can. Shoot's gonna help coming, man. This is the Troubleshooter Show. No Tom Martino, Hi high, Hi Tom Martino Here three oh three seven one three talk three o three seven one three eight two five five. Wow, you had an extra day. Today's Tuesday. We're starting off the show and there should be problems built up or

not. Here's what I want to tell you. If you have a problem lingering, festering, growing, just starting, now's the time to call. Don't let look, don't let things get too far. That's the biggest problem in solving problems, and that's what we do here. We don't just bitch and moan. We solve if we can. That is, you know, sometimes quite frankly, it's impossible you've done something wrong, but it's good to know what you did wrong and then have the right bullets, the right ammunition

going forward to minimize damage or to undo the damage. We've recovered on this show hundreds of millions of dollars over the years and cash, merchandise exchanges, refunds, and services. So welcome to the show. What's on your mind today? Sus is on the phones, Kachina's off. Sus who usually does loftier administrative duties, is in the trenches today, and sus, Hey,

Tommy, where's Mark home working on projects? Yeah? He's been busy this springb yep, both business and personal projects, right, lots of both. Yeah. So I noticed YouTube is not up yet, is it? Yeah, he's going to get that going here for us. I just want to let my morons know it's coming at three ozho three seven one three talk three oh three, seven to one, three eight two five five, don't forget. You can call three oh three Martino twenty four to seven three oh three

six two seven eight four sixty six. Joel is with me, Doctor Joel chertact is with me. As you know, they're doing compounded weight loss drugs, semaglutide, enterzepetide. You may not have heard of truezepetide as much as semaglutide. It's actually better and works better and doesn't have quite as many side effects. Even though semaglutide is relatively safe and they're looking they're finding all kinds of benefits to both of these drugs. For kidney disease and addictions and all

kinds of other side benefits. And of course you're going to also see a lot of people on the internet saying, don't take it. It's where it's gonna you know, it's it's the worst thing that ever happened. As with anything, there's always going to be discussions on the benefits and the disadvantages or the risks, and uh, Joel's here from time to time to talk about

that. Plus he also has a clinic that does stem cell therapy. So Joel on the let's just talk about the semiglutide, and there's a tzepetide. There's controversy. Have you seen some of the the the videos from so called the health experts saying don't ever take this stuff. He can paralyze your your your intestinal system or whatever, your gastro intestinal system, your digestive system.

Yeah, and we're not seeing that happen to people, you know. The most that we're seeing in terms of side effects are some mild gastro intestinal discomfort some people have. They have two reactions. One is the jamming up the constipation. The other one is too loose. Why is that, well, because you're tinkering with the speed at which your body is digesting food and absorbing sugar and carbs correct So it takes you a week or so, sometimes two

weeks for your body to adjust to the medication. And we always start people off at a low dose and escalate it up in that first moment. Bottom line, these drugs simply slow down absorption and make you satisfied longer. Isn't that the most simplistic way of saying it. That would be the most simplistic way of saying it. And as a result of doing that, you do

stay satisfied or satiated longer. You do, and you wind up not feeling the craving of constant snacking or the or feeling that you're not full, which is the problem that a lot of people have with trying to lose weight, is that they continuously are not station Now, people who have gotten back to me who started this say that they have completely and I'm not saying you do

it for this lost they're craving. I don't know if craving is a good word, because they're not alcoholics, but they might have a drink of wine here and there, they don't even want it anymore. What is the compulsion why? But not everyone who wants a glass of wine or a drink now and then margarite or whatever. They're not alcoholics necessarily, but they say they

don't even want that, not even occasionally. Well, you have to consider, you know, when you're satiated, your body is triggering the rewards. A lot of people say that alcohols are craving for sugar. So what it is is that suppressing the reward the reward cascade in the brain that's associated with that saciation. So it's gonna apply to food cravings as well as to other types of cravings and drugs they sew. Some people say it's working to help

addiction. Other people are saying, you know, so anyway, listen. They do this sema gluetide. That's their main one, because that's the one most people know about, and compared to the twois, a little cheaper, but there they have to. They're the lowest anywhere, two hundred and fifty bucks a month, and they're they're going to be raising the price a little till like two seventy five, but this week they'll honor the two fifty. If you call to sign up or inquire, you don't have to sign up

right this week, but you got to get your name down. And yeah, if they go for the doctor, even if they go online to our website and fill out their intake paperwork, we'll hold that price for them for another month. Okay, So you got to fill it out and inquire this week. And that is UH Denver region dot com. By the way, if you had to pick one to go on, which one would you do trius epetide or semaglutide I It depends on how much weight my weight goal is.

I would do trus epetide. Based on what I'm reading. Yeah, a turs eppetize seems to be a more powerful drug. It seems to have less side effects, and it seems to work more effectively. It is a little bit more expensive, but not much more. No, we're talking for twenty five a month versus two seventy five a month. But there's not much down side as far as supply. You don't have a problem right now. No, we can get the drugs. It's starting to get a little bit

tighter, which is why we've had to raise the price. There are a lot of compounding clinics showing up. There are but we stick with one particular company that we know has a great product that we know gives good results. I get offers all the time from other compounding pharmacies that want our business. We won't go anywhere else because we know that what we supply is very effective and very safe for people. Larry, what's going on in your life?

Larry? We're talking about a bounce check. What's happening. Yeah. I just happened to out of the Blood get a check in the mail and it's been I don't know it's day. So when you say this check, Larry, is it made out to you? Yeah? Your name and address, and and is it from a company you recognize? No? You know, you bring up something really really, it's amazing you're bringing this up because I was going to talk to Sus about this. I recently got a check and

in fact, I'm going to bring it up right now. This shows up in the mail, Sus. Oh yeah, listen to this. The Junk Luggers aka Lug Junk NJLLLC. This is on thirty one Maple Avenue in fair Haven, New Jersey. They have a phone number here and I do want to call it. A check shows up for twenty two thousand, five hundred dollars made out to me. Oh my goodness, yeah, sus it's it's made out. Actually, I think it's Troubleshoot or network. It might be

me, but there's no explanation whatsoever. Now many times these scams. The way these scams work is you might get a job somewhere and the check shows up like this, but it's not from the company you got a job with. It's from the like this. Let's just say I took a job working at home doing some scam thing and I don't know what's a scam, and I get this check and they say this isn't payment for what you've just done. So then you cash it and then they want you to send some money

back. They say they overpaid you. That's the usual scam. But I suspect, sus if we call this company, they won't have any idea that I received a check. What they do is is non hasmant interstate transportation. And I got a check for twenty two grand. Of course I never cashed it. But man, anyway, so tell me about your check. Well, I just got down of the blue. Yeah, tell me, tell me what it is. What does it say anything at all? No, not a thing. It's just okay, it's just a check. And how

much is it for? One thousand, three hundred and ten dollars and fifty eight cents one thousand dollars? Basically okay? And does who is it from? What company? Arlington LLC, BO, miser, JAC Q, U E T I MS. Now did you look this company up? No? Okay, this is I'm wondering why this is happening. Have you been contacted it all? After the check? When did you get it? It's day to eleven seventeen of twenty twenty. Mike, Wait, wait of twenty twenty.

My basic question is I deposited in the bank, and then why would you deposit it though I don't know I had my name on it? Okay, all right, fine, okay, then what happened? So my question is the bank never told me in any way, shape or form that it bounds. I just took the money back out of my account. Can I come back on the bank for that? No? No, okay, listen, you you cashed it because your name was on it. Just know this.

If you cash unrecognized checks in the future, here's what happens when that company gets a copy of that canceled check or the scammer, it will have your bank account information on it. Now I'm going to tell you something. Well, when did you actually deposit it? Oh, just a week from after or last from after? I got it? Well, when was that back in twenty twenty eleven seventeen of twenty twenty, So, oh my god, you're just learning about this. Oh no, I've found out they bounced

it back a couple three months later. Okay, okay, so you were just wondering about it today. I get it. I get it. Yeah. I don't think you can go back on the bank for it. But but you're lucky. So nothing weird has happened to your account since then, right, because they have your account information correct, You're lucky. You're lucky because the thing I'm telling you is there is a tendency once they have your routing number and your account number to try to grab money from your account.

So it's good, it's good. It's good that you that you haven't had an incident. Thanks for calling Larry three oh three seven one three talk seven one three eight two five five waterpros dot net the best water systems at the lowest prices waterpros Pauldwaterman dot com. You can get a whole house system for around thirty five hundred bucks. Uh drinking at your kitchen sink for just fourteen

hundred bucks fully and solved. Let me just say this, it's one of the most important things you'll do. You see, I love like environmental stuff that keeps you healthy and also serves a purpose. And this is great water. Three oh three eight six two five five five four. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Wait time for an insurance check up free, no obligation.

In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here, Welcome to the show. Three O

three seven one three talk seven one three eight two five five. All right, here's someone they here's someone, and they want to know what happens when I put a car in for restoration and I can't get it back. The shop is ghosting me, and I suspect they're not doing the work well. First and foremost, here's the problem, okay, with a lot of these, whether they're major repairs, restoration, body work, wherever you have to drop your car off. One of the biggest problems a lot of even legit

Okay, not even, but let's take legit shops first. Legit shops might have problems with parts, managing money. They're just not good at what they do as far as the business end, but they have every intention of fixing the car, and they get just in over their heads. Now I call it legit in that they don't have an intent to rip you off, but

they pretty much suck because they don't know how to run the business. What people don't understand is you can get ripped off as much with people that don't know how to run the business as you can with people who want to rip you off. That's the problem. Now, let's talk about this, don't I don't know if I can help you. Now it's already there. We'll call for you. I got the name here, but don't drop your car off until you order and get the parts. Now, you have to pay

for the parts sometimes, and if you do, that's okay. If you verify they're being ordered in your name and then have them shipped to the shop is fine because if they're for your car, the chances are this guy's not going to rob Peter to pay Paul with parts. Your parts are for you, but don't drop it off until the parts are there. I actually had this where I went to a legit shop locally. It used to be Murray Body and now it's run by Sonic I believe, or they might just be

still Murray. I don't know. They're a great body shop, and I went there and ordered the parts that they were very willing to do that, and then they called me when the parts were there. Now, when they take it apart or they need more parts, that's something different. But at least you're ahead of the game. So that's one thing you can do. Another thing is don't give a lot of money up front, because once that money's exhausted, it's hard to motivate these people to keep working. Money upfront

is not a good idea ever. And people who say to me will tom im I'm supposed to trust the consumer. Well, for God's sakes, there's got to be a balance. I want to hear it from contractors about money up front because I'm sick and tired of contractors taking money but not applying it to the job. It's not for you, it's for the job. Linda, what's going on with your rental deposit? What's happening, Linda Thomas in

regards to my daughter. They lived in an apartment they moved out of in April twenty three and they never got the deposit demand letter sixty days later. Is there a cut up? No? No, you said April and it's only men. No April twenty twenty three. Oh my god. So they moved out last year and never got their deposit right. And how they found this out is they applied for a new place to move to and got denied because this old apartment house reported that they owe money and never paid it.

But when they moved, they put in the they put in the when they were moving, they had forwarding on their mail. They approove the mail was being forwarded and they got nothing in the mail with this letter. And when they contacted the apartment house because of this report a couple last week, the apartment house forwarded them obviously of demand that was just generated less. Well, do you know was it backdated the one that they supposedly generated? Yeah?

Are you? And they they claimed the apartment house claims they had mailed it out. They claimed they mailed it to the apartment address that they moved from, even though they had the forwarding address. And I get it, but they say they sent it, yes, but it was never received by USPS because they get pictures of all of the mail that they receive every day. Yes, so do I that's good. That's good. Do they have records of those of their their those emails? Oh, that's excellent. Okay,

Now how much is it? How much is the deposit? How much is the deposit? It was seven hundred dollars, so trouble would be twenty one hundred, right, And this is what I would do. Did they have a copy of their lease? Now, by the way, the lease can allow for sixty days if there's nothing in the lease, it's by law thirty days. It was sixty in the lease. Okay, okay, okay. Then she needs to go to small Claims court for twenty one hundred dollars.

I don't see how she loses well. And the other question I have though, is this is this is keeping them from moving to a new place because they're old place. Now, if you're if you're asking, are there a additional damages? I doubt she's going to get those consequential or subsequential damages. I don't think she will. But uh, well, they put a deposit down. They put a deposit down for the new lease, for a new apartment, and to a fee to hold debt until this came up last week

that they owed this money. So would that deposit be able to be added to the small claims? Are they going to lose the deposit? Yes, I would certainly try. Let's put it. Let's put it this way. The worst that can happen is that the judge turn it down. But they need to get Please don't just talk about it, do it. I mean, these people have to do more than just show a demand. Your daughter has good records of her postal service. And did they say they sent it

to the old apartment or to the new address? Where did they say they sent it the old apartment? Aggress? Okay? And and your daughter had all her mail forwarded from that old address. Yes, and she has proof that she started receiving mail forwarded from that old address to the new one within like ten days of when they moved out. Oh man, okay, okay, I don't see. Like I said, you keep in touch with me

because I want to. I want to walk through this with her. Okay, I want you tell her to go on site, get the small claims thing downloaded, cite the law, cite her leaves, and then have them served by an independent party. You got it knocked. Now the question I have, Yeah, they can't get into the new apartment until this gets removed off whatever. Well that's not necessarily so. That new apartment could. That new apartment could do a few things. The new apartment could give him a

break and say, look, I that you have this legal issue. The new apartment may not want to, but it's not going to be I don't know what to do. You can't just keep If you're asking, can they keep racking up damages? No, I don't think they can. No, But I don't mean that. I'm not asking that. Where were they living? Here's what I want to know. If they moved out April of last year, where were they living in Aurora? Okay, but hold on the

place they're living now. They there was a place when they moved out of there, they moved into a new place, right, yes, And did they leave that place? No? They're trying to now, but they can't because it's all okay. Well, then they have to keep living at that place that they can't be homeless and claim it's that apartment's responsibility. But they're not doing that. They put in a thirty day or they didn't renew their

lease because they were going to move to a new place. So now they have to ask the current landlord if they can do a month by month until this is resultd, which they are. But they can't get into the new place because the new place won't give them a break and they're stuck at the old place until they get this lawsuit resolved for these and I don't understand. If they're in good standing with the current place, why would this place care.

Well, then they're trying to move from the current place to a new place. I'm asking you, if they are in good standing with their current landlord, why does the new place care about a previous one. I don't know, but it is stop well, then then you know what, then this new place is the problem too. Okay, so you need to include that deposit. How much deposit did they put down? It was like three hundred and fifty dollars to do a whole deposit and an application. Okay,

then she needs to include that in her small claims court. And I'm confident. I'm confident she'll win. And then Mike, Mike, are you a contractor? Can you for the last forty years? Can you hold on? Sir? I really would love to talk to someone with your experience, but I must take this break. So if you can hold on, I will come right back to you. I'm Tom Martino. Three oh three seven one three eight two five five. Go with a sure thing Denver's best roofer Excel

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

here, Welcome to the show. Now Mike has a comment on money up front. I have a whole post on this I did socially, getting quite a reaction, and I just I don't mind paying some money as work begins, as it goes along. This idea of being ahead of the game only ends up whenever a consumer is pissed and ripped off, it's usually because they left money on the table. Go ahead, Mike, what is your comment? Well, it kind of depends if I have to special order something for

a customer that I can't return. Yeah, you got to pay me for at least the cost of it. An Mike, I totally agree with you, Okay, And the same thing. If I was a roofer, I'd want the money in case those shingles ended up on top and then you decide you didn't want to go any further. Then you have your shingles and I'm not out anything, you know what I'm saying. There's nothing wrong with that.

But at the same time, I don't want any labor money ahead because if I owe you money or time, I have to be nice to you you want, you want walk away, you want walk away freedom. I think we should all be kind of even at the end of the week. If we can help, if we can work it out, well we're in agreement. Mike. What kind of contracting do you do? I'm a handyman? Okay, good, I was a contractor, but now I'm too old and fat, so now I'm a handyman. So what kind of handyman work?

Do you do? Everything except getting on the dang roof? And I don't do carpet. So how do you work? Mike? Somebody calls you and you give them, You give them an estimate. Of course I always go over and look at it. I never give an estimate over the phone. And do you have a name of your company? Yeah, it's called d Bear Construction. And that was only a stupid name because my accountant said you shouldn't have your own name attached to your LLC. So I named it

after my dog. So, Mike, I know you for calling her. Listen, man, of all the things on our referral list, we get handyman requests all the time. You should consider it someday. Thanks Mike for calling three zero three seven to one to three talks seven one, three, eight, two five five. So Linda has another question or two. Her daughter rented an apartment left in April of last year, never got a letter of explanation on why they were keeping the security deposit. Not only are they

keeping it, but they want more money for damages. And of course the daughter never responded because she says she never got the letter. As a result, it's impeding her ability to get a new apartment, even though she has been in an apartment since then. So I don't know how that happened. So she's currently in an apartment, wants a new one. The new one says no because the landlord before this one says you owe them money. Go ahead. What is your additional question, Linda? What part is the credit

or background check? Is it pulling the information from it? There's no jump judgment against her for this VCS. I have no clue. Oh oh oh, hold on, There doesn't have to be a judgment. In order to report negative on your credit bureau or credit report, they simply have to be a member. So what does a member mean? Well, let's say they regularly check credit through TransUnion. They become a member. That means that they can pull credit, but they also are required to report credit. That's how

it works, so they can simply report it. In fact, in fact, you bring up a good point, Linda. There doesn't have to be a judgment to have a negative report, and many landlords use that as blackmail. We've had cha. So this is only a negative report. That's on the report that's catching the eye. Well, it should be a negative report and not a judgment, because let me tell you both ways, many landlords use a negative report as a wedge as blackmail. It's credit blackmail. They

say you ruin the carpet. You say I did not. They it was like that before. They say, no, it wasn't, and so in order to collect money from you, they put a mark on your credit. And therefore, even though they didn't get a judgment, even though it wasn't proven, it can keep you from renting in the future until you pay. That's blackmail. The other way it works is this they sometimes claim like they claim they sent her an explanation. They sometimes claim they served her. It's

called gutter service. It's where they say they served the person but really did not. As a result, the landlord goes to court or the landlord's attorney and says, your honor, they didn't show up. Then they get a default judgment. So it could be a default judgment if it's really a scummy landlord, but as a result of sewer service. Either way, it's on

our credit report. Most likely it's not gutter service and a default judgment, because gutter service and a default judgment usually you gotta be really sleazy to do that, and you have to have a sleazy attorney too. Okay, thank you, that's I just wanted to get you. Just call me back when you find if you need more information, Okay, I'll be happy to help you. Three zho three seven one three talk three oh three seven one three

eight two five five. Now Dwayne needs advice on a roof replacement. Dwayne, what is it? Yes, this is Dwayne. Yes, Dwayne, what do you need? Well? I found out, Well, I knew that I had an older roof, like I think fourteen years old, getting to be in that twenty year range. So I've been thinking about needing and we get hail and Colorado springs all of time, like the front range. So I had a gentleman show up at my door Saturday, which I let

him do a inspection. I didn't sign anything good, just want him check. And he said, yes, we have haill damage and it should be covered by insurance. And then I had another company come out just today and they said the same thing, and I didn't sign anything. What companies were they? Hold on? I want to come back to you, let me, let me take this break. This is You're at a very crucial point, Dwayne. I want to make sure you make the right choices and I'll

save you trouble. I promise you coming right up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find

out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Yeah, Susan, are we up on YouTube yet? Anyway? I know, I know, But if we're up on YouTube, we're streaming and you see my shirt New York Yankees. Here's the deal. Okay, it looks nice on your time. Huh said, it looks nice on you. Now.

The reason I use this here is because it brings back great memories. Let me just tell you, growing up in New York as a kid, it was so arrogant of us, but we didn't even realize it. This is the question we would ask each other as we approached baseball season. God's honest truth. Now listen to what we would ask, who will the Yankees be playing in the World Series at the beginning of the baseball year? I mean, how many years did we go to the World Series? My god?

But I remember that and all of those wonderful players and they were great to the kids. And anyway, all right, let's go back. Dwain needs advice on a roof replacement, Dwayne, go ahead, Sorry, go ahead, yes, sir, Hi tom so heil damage. Here's what I want to know. What when did they say the hell happened? The first contractor was listing like last year, June twenty first, is what? Okay? Where they came up with the storm? Do any of these want you

to sign anything? I haven't the first one wanted to be assigned something was just what he assessed, went up with the roof and looked. I said, I wouldn't sign it. I'd talk to he'd give me a call. Okay, what's the name of that roofer, Premiere, and then tell me about the second roofer. Second one just shook pame this morning. Who is it? Ian? Christine? And okay, now there's only two roofers I

want you to call. And I'm telling you, Dwane, if you call these two roofers, in my opinion, in my opinion, there's one hundred percent chance you will love the experience and not experience any kind. Well, I know you won't. You're not going to get ripped off, okay, because they're solid. You call Petrolley Roofing or you call Excel Roofing. Okay, I have appointments for PETROLLI to come out at nine o'clock tomorrow morning. So that's and just sign the contract with him. You know what I'm telling

you. You can trust O'Malley in the gang. Just don't even think about it, Okay, I'm serious. Now, whatever you can do, you can do what they say. That's how confident I am of these people. I'm Tom Martino three O three seven to one three talk seven one three eight two five five. If you're on the phone, stand the phone, I will get to you. We also have doctor Joel Chrudacht with us from Denver Region dot com. So any of your questions give us a call. Go

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

twenty two. Ripped News need a vessel you don't have? Run a cam shooter is gonna help? Come man, This is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here three oh three seven three top three oh three seven one three eight two five five. This hour brought to you by eight eight eight Heating dot com the risk free service fee. That means if you call them, you pay twenty eight bucks to get one item service,

whether plumbing, heating, cooling, electric, or trains. They do the service now, like for example, a toilet they'll do a service, or a water heater they'll do a service or whatever. And then if you need more than the twenty eight bucks, meaning more than that one service, if there is a problem, they credit you the twenty eight bucks, but there's no obligation. Eight eight eight Heating dot com the risk free service fee from a company we know and trust three all three seven seven zero two seven

seven six. So welcome to the show, folks. Let's go to the phones and see what we can do for you. Okay, I have doctor Joel Trudek with US two from Denver Regent dot com. If you're looking for weight loss drugs that are compounded, no shortages and way lower prices. Okay, Jennifer has a shout out. Let's go to that one. Jennifer, what what are you doing? What are you doing? Jennifer? Hey, I'm doing well. We just moved into new house. And am I the

only one who can can hardly hear her? Am I the only one guys. I could hear her. Tom, okay, good, go ahead there, yeah, go ahead right now, I can hear you there, go ahead, okay. I use your referrals as often as I can. And yeah, I had some great service from Steve the painter. He redid our deck last year and the stain failed. We waited until the spring to have it redone because he couldn't. He was real busy during the fall and we

had to get our house on the market and get pictures taken. Yeah, by a couple of days ago, and he was so busy, but he and his wife and his daughter out I think two days ago. I'm losing track of time. Yeah, I did the whole thing in one day. And it was just great just to have follow through on their work. Isn't it nice to have a company this stands behind their work absolutely? You know. I have a funny story about him. Thank you Jennifer for calling.

So I texted him, gave him hell about my front door. Say, man, you just did this door and it's already showing somewhere and he says, what, I never did your door, And I remember that now. He came and did my stucco and he did garage doors but never did my front door. But it was a funny story because I sent him a text saying, what the heck's going on, Steve, and he says, wait a minute, I never did your door. All right? Three oh three

seven one three talk. Larry wants to talk about a bounced check. He got a check in the mail. I don't know why he's back. I thought we finished it. But he got a check in the mail for a thousand bucks from a company he did not recognize, and then he deposited it, then it bounced, and he's upset about it. So I told him there's nothing he can do about his bank. His bank didn't do anything wrong. In fact, cashing a check you're not really sure of is kind of

weird. So anyway, what happened, Larry? Why are you calling back? Sir? Well, I'm not really upset about it. My basic question is how can the bank take money out of somebody who's account and simply not inform them that they did so? Okay, technically or not technically, it would be nice, obviously they should let you know. They should say, by the way, this instrument failed and we and we took it out.

Okay, that's the way it used to be. Nowadays they don't do that anymore, and I'll tell you why, because they figure you have online access and you have statements that you check monthly or weekly or daily whatever, and they don't do it anymore. They just don't. Everything is electronic and they don't do it. Now. I want to give you the pure sense of what you asked. How can they take money out of your account? The real substance is you never really put money in your account. Nothing you deposit

is yours until they are verified funds. Otherwise you could make that argument for anything. Any kind of check you deposit, your bank is not responsible for that. If you deposit bad instruments, they give many times what's called provisional credit, meaning after a few days they give you access to the money. But it is provisional credit, and unless it goes through the tire ach process

or the automated clearinghouse process, it's not a permanent credit or debit. So it you know, we may not like it, but there's nothing illegal about it that I know of. Thank you, and I listen. I know what you're saying, but really, Larry, and again I am not you know, trying to call you out on this, but it was kind of reckless to deposit a check you did not recognize it's It could almost be fraudulent. Did you know that? Even though it's in your name? Now,

no one could ever get you on fraud ever. But what if you had bogus companies writing you checks all the time to try to see how many get through, or let's say you did it on that other companies. I'm not saying you did Dwayne. I'm just excuse me, not Dwayne Larry. I'm not saying you did it. I'm just saying that it's weird. It's a weird practice. We never you know. That's why when I got this twenty two thousand dollars check from this jug thing, I never even thought about cashing

it. Well maybe for a split second too, but when I thought about cashing it, not to keep the money, but to think what will happen? That's what I thought, you know, what will happen? And of course I didn't do it. Three oh three, seven to one to three Talk Steve has a super U issue. Hello Steve, what's going on with your Good morning roue? Yeah, good morning Tom. Thanks. Thirty eight years I've been listening, and I never thought i'd have to do. Man.

I really seriously, Steve, I truly appreciate that. I really do. Go ahead, Man, go ahead. It was great. So I don't know. I want to. I want to. I'm at a very crucial point involving a brand new Subaru outback, and I want to make sure I do the right thing. When did you get the super Ru? Yeah, I'm not quite at the lemon law problem yet, but I will be. When did you buy it from? I'm in Cold of Springs. I

purchased it on April twenty second of this year, okay four. Just about three weeks after that, I developed an oil leak and I took it back to Huburger. Unbelievable. They couldn't believe it either. Brand new. How bad is the oil leak? Yeah? Bad? Two hundred and ninety two miles and they're doing a major engine repair. They have to. They said they had to drop the entire engine to get to this leak. They've not seen it on anything on these newer models. Where is the leak coming from?

Let me, I don't totally understand. It's called the cam carrier top of the cylinder, the housing around the drive shaft, there's a silicon seal and it's leaking oil. So they got to remove the entire engine and then put it back in. So they couldn't believe it either. And they even recommended getting hold of Sugar Ru America, which I did called filed a report. Of course, it was just starting into the holidays, so I didn't hear anything bad. Yeah, but but what I'm asking is this, what

about it? I mean you you're they're doing exactly what they're supposed to do, and that is repair it. Well, true, I don't want this car back and why but why Well, they have to replace it. Now they're saying they're going to put a different engine in it, a long block instead of the one that was in it. And wait, wait a minute, what was in it? A short block? I don't know, I have no c Well, no, a long block simply means they're putting in

the whole engine, right, That's what I think they mean. That's what they mean. I think when they say short and long, I think what they mean is they're they're doing an entire replacement. Okay, so I'm not at the point yet where they've offered anything to me. What I'm afraid of Well they they wait wait, they just said, they said to you they're putting in a new engine basically, right, Okay, go ahead. I'm not sad. What would take it are with a different engine? I mean,

can I ask you something. It's not a different engine. It's a manufacturer's engine. It's a super U engine. I don't understand it. And listen, I know what you're saying. You're thinking, in a perfect world, they shouldn't have to do it now. Warranties are made for imperfect worlds, and we agree when we buy the car that it's warrantied now if they refuse to do it properly. I like that they're doing the whole engine rather

than sealing it. I like that. Okay, gotcha. In other words, I think, and I don't mean, this is not a put down. I think Steve, this is more of a psychological thing. You thinking, Wait a minute, I just bought a brand new car, and now the entire engine has to be replaced. I know what you're thinking, but there are probably there's probably a better chance at that engine built specifically as a as an engine, or the long block is going to be probably better.

I don't know. In other words, you now have a record that you had a bad engine. They put a new one in. I don't understand why you think getting another car would be better, Tom, What happens in five or seven years when I go to trade it in and that's that's on the that's on the list showing nothing. So I didn't warranty work. It wasn't a crash, it wasn't an accident, gotcha, no, lie I had do you know? Do you know something? This is the truth.

I had the same exact thing happened years ago. I bought a subar ru I think it was. It was some kind of wagon, maybe I'm thinking Forrester. I don't remember what the name was. And it was turboed and I don't know why. But the engine went out, literally went out, and I had about six thousand miles on it, and they put a brand new engine in it. I remember, it is yours turbot, it is, yes, you know what. I wonder how often that happened? Seriously,

Anyway, mine did not have an oil leak. Mine just went out. It just over redded one time and just I don't know, it just didn't run. And then they had to take it in and replace the engine. It happened after I went to a car wash. Maybe the kid in the car wash over rebbed it. I don't know what happened, but they covered it. Are you thinking you're going to have less of a car? I don't understand the point you're making. And did you ask them for a

car? Did you say I'd rather have a new car. I'm at that point with them. They finally call me today from Super America and I said, that's an alternative that I'm looking at. Well, what did they? They just said, we need to do some more inspections. He still hadn't contacted the dealers. Well, who knows, who knows? They may they may do it. I'm just saying that what makes you feel do you feel like the luck of the draw that if you get a new one, it's

not going to have any problems? Right? Right? And chances are it won't. But I think with it? Are you thinking with a new engine now that you screwed with it all, it's going to somehow be different. Yes, Okay, I get exactly how you feel. I would not feel that way if it's an excellent shop, but it is. It is an excellent shop. It's in color of spring Schuberger. You know I'm going to

tell you another thing. Sometimes, on an individual installation of an engine after market, the you know, same manufacturer's engine, but done after it's sold, after it's on the road, can actually be better than a factory installed. But again that's up to you. Here's my here's the bottom line. I don't think you can demand a new car. I don't think you have the right under any laws I know to ask for a new engine, excuse me, a new car that But let me know how it goes and see

what they say. Three oh three seven one three eight two five five. Welcome to the show. Listen to this, folks, Listen to this. Probit Energy is a solar company doing sales installation service. They do it all probid energy dot com and addition to that, they also have grants available for commission commercial systems to pay for damn near all of it. Probid energy dot com. Go with a sure thing Denver's Best roofer Excel roofing dot com.

You don't pay a cent until you're content. Time for an insurance check up, free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies. Find out Now three 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 Martino here three O three seven to one three talk renew home Innovations dot com that tells you when it comes to showers, custom beautiful showers that are unique to you. You can get them done in two or three days with seventy two months to pay, no interest. That's renew Home

Innovations dot com three nine zero four two thousand. Just beautiful showers, no thresholds to walk or stumble over, no tubs anymore, Get rid of them renew home Innovations dot com. So, uh, we have some questions, Doctor chold that your Joel chert Ak's with Denverregen dot com. Let me open up his mic hear and get on this wide shot. And we're talking about somebody wants to know about the pills Semiglue tide. They don't like shots. I think they're a little whoosy whisses. Well, uh, just a little

bit about the oral compounds. So the oral compounds, you have to take them. They have to go through your digestive track, which which means that your stomach acid's going to eat them up what we call the bioavailability or your bodice. But you still get some glue tide. You still get somebody's far less effective than the injectables, which is why we don't sell them. We

don't offer them to patients because they're really not efficacious. They don't get the job done, and so patients are welcome to try them with other clinics. It's just not something that we're willing to offer because it just doesn't do the trick. Somebody also wants to know what's the difference between semiglutide and urs epetide, because I talk about both of them. So turs eppetite is a little

bit more of a specific drugs and it's a bit stronger. Uh. The best way to describe it is that it targets the satiation center, is a little bit better than cemeglotide does. It has a little less side effects, and it works more, It works more quickly. That being said, cemeglotide

works great for a lot of patients. Uh What happens sometimes with cemeglatide is occasionally we'll have patients that plateau or patients that it doesn't work as effectively as we would like it to, and then we'll recommend the urs epetide, and almost invariably, the turs epetide gets the job done in terms of the patient's goals for weight loss all right, and as far as the uh aailibility, both are equally available right now. Yes, you know, as everybody knows,

there's a high to these drugs. So they're starting to see shortages on the compounding side as well. But as of now, we can get them. We're not not having any where do they come from? Where does where? Do you know where they could Where these compounds come from? How do they how do they make them? Well, the pharmacy that we work with, the compounding pharmacy, is down in Texas and they get all of their precursors from FDA. Approof what I mean is what is some of gluetite?

What is it? I mean, where does it come from? Humans? From animals? Where does it? I mean, I'm just curious, do you know it's it's a synthetic peptide. So what they do is all proteins are made up of amino acids and amino acid strings a lot of that, and these are proteins that do everything in their body. In your body, their hormones basically. And so what this does, it's a short chain amino acid. It mimics the hormone in your body. It's a hormone called glucagon.

So people have heard of g LP one, that's glucagon like protein. That's the type of drugs that it is. Glucagon is the protein that your body produces to tell yourself that you're satiated. So it just mimics the satiation protein in your body, causing your body to feel like you're fault. Okay, So the reason I asked where it's from, somebody, somebody on YouTube was talking about what it was. So I forget what they said, but they were they were talking about where they get it from. I'm talking about

the semigluetide itself, Like how do they make the drug? Like what do they make it from? What is semaglutide? Like do they They obviously don't harvest it from people, right, just like just like hormones are not taken from people. You know, they're bioidentical hormones, either from plants or from animals or something. Right, And the same with insulin and all of that. So do you know how I mean, if you don't know, that's fine. I just wondered because someone was talking about it. Anyway, do

you I can tell you what it is? So what it is is, you know, if you're familiar with an amino a, what an amino acid is. An amino acid is the basic building block of a protein. So many many amino acids together create a protein. If you have just a short chain of amino acids, it's called a peptide. And that's what this is. It's a peptide. And these peptides are they exist in your body. Your body produces them in their signals. They're like hormone signals, all right.

So when I get some of glutide or trzepetide or whatever I get through the compounding pharmacy or through you or through anything, where is it coming from? I mean, it's like, where is the sequence made? You know, I'm not exactly why. I don't know either, And that's why I'm curious. Because someone said it came from. I forget what they said. I'm trying to find it right now as I'm typing here. But they were trying to The argument they were making is it comes from I don't know,

animals or something. No, it's synthetically put together. Okay, So you have the individual amino acids. I don't know exactly how the chemical process works to string them together. Uh, but it's the same way that they make insulin. Now, okay, here's what I just looked this up here. It says glutamine, nocetol, which is an alcohol, sugar, glutamine,

and special enzymes and peptides are all put together to form semic glutide. Right, So basically, they take the amino the individual amino acids, and they put them into a string, a short trained string, which is a peptide. And that's what this is. And by the way, if you guys have any questions about this or any weight loss, give us a call three oh three, seven to one to three talks seven one three, eight two

five five or problems, questions and complaints. Now, I have a lot of important consumer updates as well coming up, and I want you to stay tuned for that. Let me see We also have, of course, a discussion on this is a big discussion coming up on intellectual property and AI because this is causing unbelievable problems when it comes to likenesses. Now we're talking about likenesses like what people look like. How much of that can be protected?

Like if you look the way you look, it's not patented, it's not trademarked, it's it's even different than the name. So how can they stop someone from doing that. We're gonna talk about that and more coming up on The Troubleshooter Show three oh three seven one three Talks seven one three eight two

five five. Don't forget waterpros dot net the best water systems at the lowest prices, bar none, drinking water all you can drink at the kitchen sing fourteen hundred bucks fully installed water Pros three oh three eight sixty two five five five four. 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. Tom Martino, you're troubleshooter three o three seven one three Tom three oh three seven one three eight two five five. So we've heard about actual inflation, but do we know really how it's affecting us now?

The top states, the top states for inflation when it comes to groceries, where do you think? Hey, I don't understand. This is a wide mixture of states, and I don't understand the the array. I just don't understand. There's no rhyme or reason in this array. But Mississippi, Hawaii, and Kansas, for example, pretty high rates of inflation for groceries, followed by West Virginia, Kentucky, and Maine. Then Montana, Oregon, New Mexico, Wyoming. I don't get it. I just don't get

it. Now. When it comes to actual inflation items, the number one item affected by inflation. If you had to take a guess, sus, when you're when have you grocery shop now? And then, and I don't mean that as I just mean when you grocery shop, have you noticed any one item that is affected most by inflation? I have a list here of the things affected the most. It seems like eggs have gone out. Why, that's exactly right? So why is that that there? Do you know

that they're up fifty percent? That's a lot? Holy crust? Do you know that beef forty flour thirty six percent? Now sugar and substitutes which we shouldn't be carrying so much right now? Now? Hold on, beef roast forty percent, beef steaks thirty two percent, but sugar thirty four point nine, so thirty five percent? Carbonated drinks which you don't drink at all? You guys, really, we don't know and I don't either anymore? Right, did you notice I don't drink it when I come to the station because

you guys have it there. But I have stopped completely any carbonated drinks. I don't have any. And let's see fruit salads now, butter and margarine up thirty percent. But I just can't believe how badly beef and eggs and flour, wow, sugar? Yeah? Oh, anyway, in general, it's all supermarkets items, all grocery items are up in general about twenty five percent when you average everything out, that is one tremendous increase in what people

are spending. Holy crap. Three oh three seven to one three talk seven one three eight two five five. Now, as far as the stock market, you know, people are saying the stock market it's great. Other people say it's all to other people say this, it's that. Well, you know what, it has been great, no matter how you look at it. But there is something called a risk sentiment gauge, whether people are willing to take risk or not, and it's different than it's different than consumer confidence.

Consumer confidence is a really important gauge for regular people, meaning for all of us, how do we feel about the economy? And consumer com evidence is not that bad right now. But the risk sentiment gauge, they say, really gives you more insight because it really surveys and looks at the habits of investors, people who are actively investing, and if they're willing to take

a risk on things, it shows more positive outlook. And right now there's two things they're willing to take a risk on, which says they don't believe in the economy. Those two things. The ten year treasury bill, why because they don't believe in the insecurity of a risk investment. So treasuries are usually no risk, whether it's the tea bill, the note, or you

know, the notes or the bills. The first of all, you have the shortest duration is the t bill, and then you have the note, and then after that you have the bills or yeah, that's the way it is, and then you have tips, which are the inflation protected bonds. But to make a long story short, when people start flocking toward those instruments, it tells you that they're feeling a little wary about the economy. Another

thing that tells you that they're going toward gold. So when people go toward gold and government securities, it's telling you they don't feel good now, even though you know the normal consumer may not see this. Right now, that's where the investments are going. But as far as not taking risks, they're not taking risks. Mostly if this makes sense, or the least risk is being taken on oil. People have no clue what oil is going to do

next. Is the S and P five hundred believe it or not, They don't want to take a lot of risks on that they're not taking flyers. They're investing mostly in solid stocks. The Nasdaq is also off when it comes to risk and the US dollar. So if you look into the investing habits right now, it's looking like people are pessimistic, yet the stock market keeps going up. So it's a very weird time right now. There are no fundamentals that are responsible for what the market's doing. Nothing. It is all

consumer sentiment. But when it comes to investor sentiment, even though some of them, many of them are flocking away from investing in stock, the stock market still seems strong. And that could be because what some people call the odd lot theory. That theory is when people don't know what to do, a lot of unsophisticated investors will do the wrong thing. And that's what they're

saying. Could be the reason for the stock market going up so much is that you have a lot of unsophisticated investors flooding the market, where the more sophisticated ones are going more toward securities, no risk, low risk, and commodities like gold. We have more coming up on the Troubleshooter Show, Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no

obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three 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 a troubleshooter. Three oh

three seven one three talk seven one three eight two five five. Welcome to the show, and we're here to solve your problems, answer your questions, and take your complaints of any kind. And after a long holiday, many times we have a lot of complaints. Let me go to the uh, let me go to this. Okay, what does it cost? Somebody wants to know for tur Zeppetide fifty units. Well that's a hard thing. And

for those listening, fifty units is one injection. And if you take four injections a month, okay, four injections a month, you get four or the supply they give you, and each injection is fifty units, So I'm gonna do this real quick, and you get four a month. So so for their supply, you get twelve injections at what price? Hold on there? You go go ahead basically to do the math, that would be anywhere between ten to twelve weeks. I'm just saying so so I can do that.

Just so, how much is monthly? Is this Churs eppetite or kiss me? How much every twelve weeks? Is four hundred and something? Or how much is it a month or what? How does it work for woods drunk, Churs eppetite or Churs appetite. It's four to twenty five a month, So for twenty five and then another half of that for the for the duration, right is that what? No? No, it's so for three months. That's what it is for twenty five times three okay, so that's

what times three divided by twelve. Okay, we'll give you your weekly price, okay, okay, so one hundred and six bucks a week, yes, for per injection? Yeah? Okay? Yeah, all right, So but I don't I don't understand why somebody wants a price it per injection. Well, because some clinics do that and they ask their patients to come in once a week for an injection. We don't do that. We give you your own supply, and you're able to do that yourself. And we don't

charge by the week. We charge monthly for a three month supply. All right, three oh three seven one three talks seven one three eight two five five. Now on Consumer News again, we have a lot happening and there are things you need to know about. Do you know? This is what I find insane. They took everything we have, our keys, our cell phones, everything we have on our body. What do you think came back with the most dangerous bacteria? Give me a guess, Joel, give me

a guess, sus, What do you think? I would say, your phone? No, I would think so too, because here's what I noticed. One time I take my phone and put it down places, sometimes on the on the sink in the restroom, when I'm washing my hands, when i'm you know, you know whatever, and then you pick up your cell phone. You don't realize it's being contaminating. That's true, it is.

It's very contaminating. TV remote will tell you. Tom Han, TV remote oh, this is something you carry around in the public and then we'll talk about it. I'm going to tell you money and it wha. Actually this doesn't include money in this study. Hah, weird. We don't use money anymore. What are you telling you? We don't know so much. I'm going to tell you the number one thing with dangerous bacteria coming up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay

a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your cover 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. Yeah. Rit News need advis so you don't have the come

running just as fast as we can. Shooter's gonna help. Come man. This is the Troubleshooter Show. No Tom Martino time, Tom Martino here. Welcome to the show. Three oh three seven one three talk is our number or three all three Martino, and you can call that twenty four to seven, leave a message, we'll get back to you, or you can come right live on the studio when we're on the air three oh three Martino three O three sixty two seven eight four sixty six. This hour brought to you

by Fixed at twenty four to seven. When I tell you they have the best cleaning system when it comes to air and heat and HVAC systems, they get the dirt out, the number one killer fix It twenty four to seven. Fix at home dot Com just thirty nine bucks, a practical refurbishment of the entire system. Now, somebody said, Tom, you know, don't these companies just want to get in your home and tell you something. Now, I'm going to tell you something. They do want to get in your

home. They do want to become your company. But they don't want to fix something. They don't want to replace it if they don't have to. They want to leave you with a great impression of thirty nine bucks. Now, this is for most legit companies that have specials, but especially this one.

Now, but here's the deal. If they do find something wrong, they want to tell you you have a choice but if you ever have a question about anything, ever, when it comes to any kind of loss leader or deals for any company, no matter who it is, what you should do is basically get a second opinion or ride or ride it for a while.

I mean, unless something is urgent and you don't have poison spewing into your home, or when it comes to your water heater you don't have leaking, and you don't have big problems, then take it one step at a time, for all home services, for all mechanical issues, for all problems. Anyway. That's that's my little two cents there now, Steve, welcome, appreciate you calling, and anyone else who wants to call give us a

call right now. Three oh three seven one three talk seven one three eight two five five he wants to talk about an HOA, Go ahead, Steve, Well, thanks for taking our call. Sir. We have lived in this home about the seven years and four and a half years ago, we wrote a detailed letter to our HOA about their property that's adjacent to our backyard. We gave them pictures, showed them plants that had died. It's just gotten worse last eighteen months where a sizable portion of our backyard. We've lost

about ten plants. And if the erosion of their property are they just totally not maintaining it all this time. It's been four and a half years. They have not changed it at all. In four and a half years. It's got quite a slope and it drained straight into our sideyard and then last year during the heavy rainstorms, it contributed to helping flood our basement. Okay,

so it's really have you talked to the neighbors. Well, the Ahoa is our neighbor in this case, they own the piece of property adjacent to us. Wait a minute, Wait a minute, So it is not a residence. I know it's hoa property, but when you say, ha property, is it a swimming pool? Is it a clubhouse? Is it? What? What is it? Common area? What is it? It's just a piece of dirt, open space. So it's common uncommon area. Yeah, it's uncommon You no one uses it? Really? Okay? So okay,

so it's the ho's property, which means part of your property. What's going on again? Like, what like what are they doing about it anything? I mean you would think they'd want to fix it, right? Well you think so? Again, we tried a few years ago, and then we just tried again about ninety days ago. We asked them to come out and look at it, and it was getting so bad they brought out a landscaping company. The landscaping company thought that, you know, during the discussion

it needed to be repaired. But when it went to the board meeting, this last is your house the only one? Is your house the only one affected by this it is? And what specifically did you have an expert look at it? Like, is anyone telling you specifically what's wrong with it? It's just poorly grated. We started, Is there grass? What's on it

right now? Is it dirt? What is it? You know? I think at one time it was just weed and so forth, But because of the size of the slope, it's just erode it into nothing but a large swaths of dirt and so nothing's holding back to dirt from pouring onto our property. Okay, did you know that you could go to the county about that? You know, I did that actually, and the county came out and sent several emails, and uh, once the HOA got involved, they said

it was their private property. But the county did believe that it needed to be regraded and now several of years ago. Why why is the HUA just resistant? Do you have an active board? Do you have a man management company? We do have a management company, and I don't know if the board is active and knowledgeable, but well, what do you do? They have meetings? Does the HUA board have meetings? They do? I believe it every other month. I went to a meeting four and a half years

ago, gave him my rule. That's not going to help you obviously, have to go again. There's probably even different officers, and you're gonna have to threaten legal action. I don't know what else to do, man, I mean, we can call them for you. But has of all the problems we handle, hoas are the worst because no one cares. If there's no one person who is the HOA, so no one cares about any part of it any There's not one HOA that I know of where people care.

They they say they care, but they don't. They all care about certain things. No one cares that as a community. The management companies, especially you don't care. Management companies simply want to keep the HA quiet and peaceful so they can collect their fees. That no one no one and I mean, no one wants to address HA issues, No one, they don't. There's they that the officers want to avoid it, and the management company wants to avoid it. It's the sheer nature of the operation. So what you

have to do is upset the status quote. You literally have to upset the status quote. Now, one of the unfortunate things is that if you had an attorney write a letter to the HA threatening legal action if they continue to damage your property, you're going to have to show damages and all that, of course, but then if they respond with an attorney, it comes out of the HA. So you're going to be paying for part, paying for

fighting you. What they should do. What they should do is say, instead of hiring attorney and fighting you, they should say, what can we do to correct the situation? But again, they don't act. They react, so honest to God, I'm not just pointing us out to you. It's just the nature of the beast. No one cares. No one does. And frankly, when the people are on the board who think they care, they get discouraged too because they suddenly find out that no one cares.

And so they're thinking, well, I'm on the board and none of the members care, so we don't care. I mean, they may have brought it up with each other and they don't want to spend the money. It's just the weirdest thing in the world. Some you know, here's the thing. Who's your management company? What's the name of them? It's Canterbury Crossley is the Homeowners' Association. The management company is a local company downtown Parker.

Have you ever gone in to visit the management company? Actually, I've talked to the head of the management company and also he sent out a management person about three months ago, and what did they say. You know, they said they would take it to the board. They had the landscape company come out here and meet them. And during those discussion, I was fairly encouraged

because the management or the landscape company, what happens. What happened basically on Monday night, they met and they decided that they're not going to do anything. Okay, that's what we got to man. Then then they aren't ignoring you. You got your answer. They're not going to do anything. And by the way, that is exactly what's supposed to happen. They're supposed to talk to an expert. Then they're supposed to meet amongst themselves and make a

decision. And so they are handling this. They have decided it is not an issue they hand unfortunately for us. But that's not what I heard during the meeting with the landscape company. He could see all the damage being done. Yeah, but they decided not to do anything right right, Well, they have a choice. They can do that. I'm not saying it's right, by the way. I hope you don't hear me saying that. But what I'm saying is you live under their rules and they say, now there

is no problem. Now you disagree. But when you disagree and they don't agree with your disagreement, that's why it's a disagreement. You have to take it to an outside arbiter. And if either arbitration, if that's what you assigned up for, or you sue them. There is no other answer. They've already handled it. I thought they weren't handling it. We were going to call and try to light a fire under and to look at it. They've already looked at it. Now you can use in your lawsuit. You

can use the landscaper. What did the landscaper say it would take to fix it? How much did you find out? He never gave us the price. He just talked about how he would go about fixing the issue. Get a price. You're gonna before you do anything. You need a damage And your insurance company did they subrogate against the HOA when your flooding happened. You know, we ended up doing most of the cleanup, and then all we had to do was replace about a twelve x twelve piece of carpet for four

hundred bucks. Okay, well, then you're lucky. What you ought to do right now is get a price on what it would take to correct that drainage, a real solid price. Then your attorney presents to the HOA the choice of paying that and getting it done or being sued. It's, unfortunately what you have to do. And then you know and then and then you can stay in touch with us each step of the way. But sometimes it

sounds like a pain in the Assteve. But it's something that once you start might just they might just have enough common sense to say, let's fix it. Like what if it's only going to take five thousand dollars to fix it? I don't know. I would call the landscaper and see if they'll, if he'll give you an idea of how much, all right? And then when you always put here's the quickest way to a solution. You present a problem and then a solution. And if you present just the problem and the

solution is wide open, they don't like it. So give me a call back and let me know what happens. Three oh three seven one three talk seven one three eight two five five eight eight eight heating dot com The risk free service fee twenty eight bucks. Get any one item plumbing item, electrical item, HVAC items serviced and checked twenty eight dollars. If you need any serious stuff going on here, they'll credit you the twenty eight but it's risk

free. That's all you pay eight eight eight heating dot com. Go with a sure thing Denver's best roofer Excel Roofing dot Com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out

now three all three seven to seven to one help. You'll think you're his only customer when you choose Frank Durand the real estate man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Tom Martino here three h three seven to one to three talk three all three seven to one three eight two five five. We have Compass Insurance Group with us, and my goodness, we've had a lot of insurance calls. And

now I'm going to go some text messages about insurance. And somebody said, Tom, you were going to talk about increases, but you didn't talk about it yet. Why. Okay, I know what you're gonna say, losses, But does that go for auto and home and everything and around the country, Brian, we're talking about around the country. Okay, we're not just talking Colorado. So let's talk about what's going on around the country. Why

why why insurance is going crazy? Well, I mean if obviously, if we're talking about auto, yeah, let's okay, let's take one at a time, whatever you want to do. A big reason for the increases in auto is also the increased cost of the vehicles that we're driving. So I mean, just look at what the cost of vehicles are. They're going up, and the more and more they're becoming like computers, a small fender bender is costing substantially more now today than Okay, I can buy that, So

that's going to have an effect on your insurance rates. It's going to go up, you know. And I know we're talking across the country. Uh, obviously in Colorado we have added elements to that that is causing our rates to go up even more. Guys, there's one word for this, and you both know what it is. Inflation. Bidenomics. Do you think so, Mark? Really? I mean, what do you think Brian not been getting but our current economic client. I don't know if that if that is

it, I don't know. I know it's not COVID anymore, is it? What is it? Well, I I'm going off of with Colorado. If you're there was actually an article and I wish I would have pulled it up in Denver posts just uh maybe a month ago, a couple months ago, talking about how Colorado rates have just gone nuts here, Okay, so that's not bidenomics. Colorado. Colorado. Colorado has had more hail losses to

vehicles. They're number two in the entire country, right behind Texas. So they've had more losses as a result of hail than any other state in the country other than Texas. So you're going to see that that's going to have an effect on your rate as well. So in Colorado it's higher than the country. And how about the thirty five percent of people that aren't even covered with auto insurance in the state of Colorado and the sixty percent plus that are

actually undercovered. How about, if we change right, are not covered at all? Which, Mark, you're exactly right. Another piece to what you're seeing your where you're seeing your rates go up is on the uninsured motorists. Right, So far, so far in twenty twenty four, the number one, New York has the highest rates. Florida is number two, Louisiana is number three, Colorado's four. Wow, yeah, number four in the top five. Oh my god. And that's because ours can be tied to hail

damage. That's pail damage is and fires. Let's not forget fire, but not cars though, Mark, We're not talking to houses now, but cars. Yeah. Yeah, And then okay, what about homes? What about homes? Well, home insurance still are we number five? Are we? I just saw the thing that said number four underneath auto insurance. I'm not sure about home insurance. What where are rates compared to the entire nation. But I guarantee you it's it's up there. It's up there, and costs

it's not going to be as much as Florida. Okay, we're gonna find out in a second year. I'm asking Professor Bying. So really, Oklahoma, Kansas, Nebraska, guess what Florida, Colorado, there there, there we are And that's all because of weather. That's all hail and tornadoes. And in Mark's right, there is fire, but fire is even though it dominates the news a lot of times. And there are places that are hard to get insurance period. What drives the said Colorado is one of those.

Yeah, what drives the rates in Colorado for home insurance too is hail. Hail is what they say here in Colorado. Wildfires and hale are the two biggest ones. Yep, wildfires and hal now in Florida. Hurricanes in Nebraska. Hmm, it says similar to Kansas and Kansas is basically they don't give a specific it must just be weathered. Well yeah, I mean you think of tornadoes, tornadoes are isolated. I know that what tornadoes offense to me.

I don't understand tornadoes because they're isolated, although they do devastating damage right hit and then Oklahoma is the same, Oklahoma, Kansas, Nebraska, they're all they're all right up there and and they're they're a close top five by the way, So it's it's a tough business. How does this make your your business difficult right now? Well, people are getting pissed off and you got to find them a deal. But you can't find them a deal three

or three seven to one three talk. By the way, if you guys have a problem question, complain or you have an insurance issue, go ahead. Yeah. The biggest struggle we have right now is that there's a lot of carriers that have really made it clear they don't want to grow in Colorado right now. A lot of them have shut down business. They won't even take new business. So we have customers that will call or we'll reach out to them at renewal and say, listen, here's your rate. We couldn't

look at other options, but it might cause a higher deductible. We need an insurance pool. At some point where they're talking about takes over. They're talking about it but specifically for the fire risk areas, and they but it's a very limited amount of coverage, and it's it's only covering fire, so you still have to have insurance. Well you also have that for hail companies start pulling out, you would have to. Yeah. I don't see Colorado

having some kind of pool together for hail damage. What I see. I see hailproof roofs as being the only standard. Yeah. Yeah, like Mark, you have that roof there wa right, it it hail and just absolutely nothing happens to it. Your your roof can can take the impact? Yeah, and I is that right roof can't take it. It's catastrophic, That's what I mean. Yeah, yours, And I'm just wondering if more and more people are going to go to that kind of roof. And mine's in

essence heals prop too when you talk tile stone. Yeah, Well, the problem with the hail proof stuff is most people aren't going to come out of pocket like my roof would have been, I don't know, seventy eighty thousand for a normal class four. This stuff is double in more so, so, I mean, most people aren't going to pay for that. It's a problem. Brian, No, you're right, but if because it for that, but if it gets to the point where you're paying for your own roof.

In the case of a loss, you're going to do things to Mark where it's not going to happen as frequently. So, Mark, what is the So the upgrade on that was basically double Yeah, it's a little more than double. Wow. And now what do they say about premium? Did you save? Did you could you calculate that? Well, the premium doesn't. The reason the reason it changes is because you up the deductible. That's why very high deductible they don't just because they do, though you get a

reward for it. But Mark, you're right, the bulk of your savings is going to be the fact that you don't care if you take a twenty thousand deductible anymore because your roof can hold up to this catastrophe. Specifically for Hale. Is when I'm talking when in hail deductible, you can raise that up because you're not worried about that loss. I say this to people that have concrete tile roofs, I say, you know you have the investment already

in the roof. I would take advantage of that, get your premium lowered because the chance of you having we do we see and that's because of the the hail proofness if the that'st word of the roof. All right, let's go to Bry or deductible by the way of the barrels? Are these both? No? I want to go to Brian with the homeowners insurance question. First, go ahead, Brian, how are you? Hey? What's happening? Hey? So, what we're doing is we are going to be building

some modular homes. Now, what I'm wondering is when we get them built and they're in transport, how are we going to ensure that? All right? Hold on, I mean, that's a great question. We're gonna because I I that's weird. That's weird. We'll we'll look it up. We'll talk about it. Coming up three oh three, seven to one three talk that. Brian's next, then Brian another, Brian is after that, and then we have Brian Burns with us from Compass Insurance GRIPT Brian Day. Yeah,

I'm Tom Martine. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay us 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. Hi Tom Martino here three oh three seven one three talk three oh three seven one three eight two five five. So back to Brian. He had a question. He's building a home, manufactured home while it's being transported. I want to ask an obvious question. Does the transport company have insurance? Well, and it's usually

who is owner the owner of the house. Usually they don't. You don't take ownership until it rerives that you're I don't know, like your land. Like Brian, explain that to us. You're gonna have a transported you bought it from a company. Do they ensure it until it's set up? But we will be the company and we will be shipping them. Now what do you mean you will be Oh, wait, you are building, you're in the business of building manufactured homes. Well, we're not quite yet, but

we're getting pretty close. And it's kind of really Now, hold on, do you have a factory or starting Uh, essentially, yeah, we're we're getting the numbers right now, so we're gonna we're gonna try to start start building some manufactured home. How are you going to do it? Are you going to do like two pieces? Four pieces? How are you going to do it? Actually, these are gonna be two stories and they're gonna be three pieces. Very cool man, that's what gave me the idea to do

this. Well, it's kind of weird because I talked to you about it before when we were building sheds and we were we were training the sheds over the houses, so it's sort of morphed into this. Okay, so do you have your first design? I do, and I'm actually talking with I'm getting some architecturals right now. We've got to get some structural details, but other than that, we'll be ready to go. And we've found some properties

that are decently priced to where people can afford them. So we're the only problem with the building. The only problem with building it in pieces like that is you have to have you have to have actually more structured than you would if you built it on site because some of the things you can keep in common you can't do while transporting. But right, right, but let me ask you this. Do you have a transport company? No, but we will be will be supplying transport or no. I understand that, But have

you talked What I'm getting at is this. Have you talked to transport companies? No, talking like APEX or someone we have not? Well, I would do that first, so you're not redundant. Many of these transport companies have already tackled this. But Brian's too. Yeah. One thing that we have to do is we're going to be building the main structure on the actual trailer. Why on what trailer? So on Goose Neck trailer will be But why why would you do that? Let me ask you? And then how

do you get it off that trailer? When you get it to the house. You crane it. Yeah, we're going to crane it. But why build it on the I'm just curious. I'm not I don't know anything about this, but why would you do it on there? Is it just easy? Is it just one less step? Then? Is that what you're thinking? Exactly? So you don't have to get a crane out there to lift it onto the trailer. Okay, well that's pretty cool. If you got the trailer sitting right next to it, you might as well build it on

it. No, I mean that's a very good idea. Yeah, yeah, yeah. So well, as the builder, you're you're going to have to have an insurance policy. Yeah, you'll have to get an insurance policy, which we'll have the commercial general liability and property and all that. But the transport is going to be a special animal. Well, but it's going to be part of his because he's going to be regularly doing this. So he's going to just make sure that he has the coverage to protect him up

to a certain dollar limit of whatever. Or he's protected up to the point that it's hooked to that transport company and they might take over, no, no doubt. If he can get the transport company to actually take on the responsibility, great, If not, he just needs to make sure that his

policy will extend. Now. You know, I've often said this, Brian, that building stuff under strict controls, if you have an environment of strict controls, if you're not just stick building it anyway, you're just doing it off site. I mean, but if you're doing it to certain standards and jigs and all of that, you can actually turn out better quality than stick built on site. Sure, well, we have to we have to abide by the IRC rules you know anyway, So hurt for HUD or any of

that. So we're yeah, but you want to go beyond that. I'm talking about going beyond that anyway. So are they going to be what price like? Like? Are they going to be considered medium kind of homes? Higher end homes, fancy homes? What basic homes? So they're not We're going to, like I said, we're going to try to keep them as affordable as we can so people here in Colorado can't actually buy them because it's almost impossible. Now what price point? What price point do you have?

We're trying to stay within two fifty to two eighty two fifty to two seventy five. So if you stay to two seventy five, would that include transport? That's a three bedroom that's going to be complete? Is that okay? That's on site? Yes, on their foundation, So we're not going to be doing foundations. We're going to put these units on case on so that we don't have all what if they have a foundation, will you put it on their foundation. If they want to put a foundation in, Yeah,

we can absolutely put on so whatever they want to do. So, if they're looking at two seventy five to the site and then you set it up and they have a foundation, dirt work, and lot, then they're looking at a complete package of five or six hundred probably we're going to try to stay under that five or six hundred thousand? Is that what you're saying? Well, here, okay, two seventy five for you, the foundation is going to be a minimum of twenty five grand it's or more, yeah,

minim. Then then you have the lot, which is going to be two to fifty if it's If it's a lot that's going to allow them to have that right, No am I am I exaggerating? I don't think so. No, that's but we're looking at properties that are more in the twelve thousand dollars range. What fees that are are twenty five thousand. So you're you're talking about like maybe half acre, quarter acres, Yeah, you know down in Peblo, Colorado. Ste No, no, no, now I know

what you mean. Okay, so you could keep that package to three point fifty oh yeah, easily huh, that would be high. Now would you include the lot or will people call you with their own lot and their own dirt work? Well, well, that's that's what we're doing. We're sort of doing a spec to start. We're going to do it all ourselves, figure out, you know, all of the everything incorporated into it for pricing, and we're going to go from there. But we're going to try to

stay under two seventy five. What name are you giving the company? So it's going to be called Cubic Hose. Yeah, okay, all right, Hey, keep in touch with us. I'd like to know how it goes. I love entrepreneurialism. I love it. Sure, I appreciate it, all right, And so bottom line, as Brian said, there will be

general liability insurance and a certain amount up to a point. They may or may not cover transport unless you include that, but you may not have to if you call a transport company and they've already done this before and have the insurance. We got more coming right up. Michael wants to talk about a car accident. Brian wants to talk about the other Brian's social security and we'll have that 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. Sir, Hi, Tom Martino, you're a troubleshooter.

Three oh three seven one three talk three oh three seven one three eight two five five. Welcome to the show, and let's talk now to Mike to Brian of our Social Security Brian, you have a question, Go ahead, Brian, I'll go on, Tom good Man, what's happening? Okay. I'm attempting to record a death with my mother in law, so I called Social Security because I'm still getting medical federal benefits. She passed away in December, and I've been trying to call Social Security, but all I get

is a recorded line saying you gotta wait on hold. He stead stay on hold. For hour and a half and then finally it gets to a point where you say to leave your name and number and we'll call you back because of done forcine call volume. So you're trying to she's still getting Social Security? Correct? Have you been keeping that money in an account? Yes? Good? In a savings account account? Good. I just don't know.

I mean, do I take off a company because they're going to eventually when they find out, they're going to claw it back anyway, So what should you do? I would if I were you? First of about your mother in law? So who's the legal representative of your wife? My wife? Yeah, she needs to make an appointment with Social Security, probably because it's hell on the phone, it really is. It just sucks, Okay,

I mean has she tried to do that and not? Well, she recently had to make an appointment for GMV because that's the only way you can get in there get a new license. So she'll have to. Yeah, I'll have to set her up for that and see when exactly they can come see her. Now, another thing on the same item, the healthcare facility that she was at, the assistant care where she passed away at. We've been trying to get an itemized statement of what the last month charges were, because

it's different than what she was typically paying. What do you mean how much off is it? Well, it's about seven hundred dollars. She paid seven hundred more than she was normally paying. That's what they're asking for. They're asking for twenty three hundred, but she normally pays about fourteen to fifteen hundred for What is this for a month or what one month? Correct? Well, it's because of unless she died perfectly, she has notice required and they'll

charge you per diem. Okay, Although I'm trying to get a hold of them. I've left multiple messages at the accounting department and we even got a live person one and they said, oh yeah, well, we'll boss an information very unlikely that she died perfectly on thirty days notice. Sometimes it's sixty days notice. Hold on, though I have information on reporting at death as well. We'll come back to you. And also Michael wants to know about

an auto accident. Hang on, I'm Tom Martine more coming up on the Troubleshooter Show. Go with a Sure Thing, Denver's Best Rufer excel roofing dot com. You don't pay a cent until you're content, Leave on time for an insurance check up 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 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 of news, need advice? Who you don't have? Run anxious as fast as you can. Shooter's gonna help. Come man, This is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino Here three O three seven one three talks seven

one three eight two five five. Welcome to the show. This hour brought to you by Grossmanwellness dot Com. Grossman is where I go and every three months get bloodwork, get my prescriptions, get my supplements, all under one plan monthly wellness and blood work. All of it's included with a low monthly fee. I say, lois a few hundred bucks a month, depending on your plan. Three h three two three three forty two forty seven. Grossmanwellness

dot Com welcome to the show. Speaking of health, they also have doctor Joel Cherdack with me at Denver Regen dot com, which is doing compound as semiglue tide and tersepetide for weight loss. Let's talk to Esther. She has a tiny homes advice or she wants advice on tiny homes. That's a new trend of course in around the country, smaller homes, tiny homes that are really really kind of cool. Anyway, go ahead, Esther, what did

you want to know about? I just don't know where to try. And to be honest, I mean, we've got we went and checked out a n r V, A r V what do you call it? A park in mantras and mantras. I'm like, oh my gosh, I'm not from Colorado. I grew up in the San Francisco Bay area. Mantres is funny. I was like blown away by oh, oh, it's absolutely beautiful and there tell your ride. It's just beautiful. Yeah. Right, So, but I didn't like the park. You know, the park was like it

was like a place you'd go for a vacation. Now, are you talking about these tiny homes that are in r V parks that look kind of like long and narrow, and they're like they're pine or they're like they look like little log cabins. Well, they could be there. There, there's several there's several terms that are thrown out there for tiny I've done some research, right, like there's what a park model is what we were looking at, and it's it's like a like a menu factured. Yeah, that's yeah,

that's a little different than a tiny home. It's a manufactured home on a frame and it's set up in a semi permanent basis in a park. And is the exterior kind of like a wood it, Yeah, I think it is. You're right, Yeah, they look kind of like little log cabins exactly exactly. They can make they make them all in different They're beauty there, they're they're kind of some of them are really beautiful. They have some up in sues. You've seen some of those up in Breckinridge right where where

you we used to go and you go Tiger Run. Now, they were always called chalets. I'm yeah, they call them different things. They call them different things, yeah, right, exactly. And so we've got some names of some you know, like manufacture. But I'm like you know, the one that's that we were talking looking at is out of Goshen, Indiana, And I'm like, what is it called? You know, I don't

know. It's called gosh, it's k n O p F. But is c U pronounced quat k r O p s. But it's spelled ky n No, no, k k N I mean yeah, yeah, k k r O p S and peter F. Oh okay, yeah, now listen here here's what I want to know though, and this is important. This Park Model Home. I've seen them before. These are really kind of cute. And are you thinking about buying one directly and putting it on your own land? What we're thinking about is buying one and putting it on a friend

who said that we can put it onto land. Oh hold on, but okay that I don't want to get into all that. That could be complicated, course, because if you have a falling out, you've got to go move it. So what is your question about the Craft Model? Yeah, I'm just I just don't I have no I mean, everything you look on the internet of course about them, they're gonna it's gonna be good. No, no, no, they're they're good. No, they're definitely good quality.

They're good quality. Your problem isn't for what you're getting. How much do they want for it? It's one hundred and thirty thousand, Yeah, they're they're excellent quality. Okay, for for God's sakes, it's like a luxurious motor home, and the motor homes would go for twice or three times that or more. I don't think you have a problem with the actual manufacturer

of this home and the price. The reason there's so reasonably priced is it's done under it's it's a manufacturer home, and it's done under controlled circumstances. And they're very good quality. They have very they have very good ratings. The problem isn't with the home. The problem, listen carefully, will be with the transportation, the setup, and the land. Be very careful.

There are all kinds of restrictions you have to worry about when it comes to when it comes to transporting them, when it comes to setting them up, and who will allow them. They're beautiful homes. They're like a big motor home without the motor home. Yeah, yeah, they are. And you're right, I mean, that's that's really where where we're at now. Because my now the friend that says you can set them up on. How good

of a friend is this? She's incredible, she's got such a giving heart, and I know she's you know, now, does she live on this land or is it going to be exclusively for you? But no, she lives on the limbs. She's getting married this fall, so she's going to be I don't really know. I think that when you sell property, I guess, can't you put a contingency that so and so can so say on the property? You know what I'm saying. Not really No, I mean

you can, but I mean you'd have to subdivide it. Of course you could always do that, but I need to know this though. This is where the danger signs come up for me. If first of all, what size lot does she have that she says you can put the house on it. Oh, it's it's over. It's like an acre and a half about she's had an RV on her property before you're consuer. How would that work on that? That's what I'm getting at, exactly, Yeah, you're right,

that's exactly what we need. Does she have Here's what we have to ask. Does she have first of all a home on that property? Yes? She does. Is it in a municipality, It is in a it's county, it's unincorporated, it's what county? Yeah? What county? Okay. Now you have to see a mobile home is sometimes allowed to be there because if somebody lives there, they can have a mobile home there. She's not a mobile home. A motor home there a whole. A manufactured house

is completely different. You never want to spend one hundred and thirty thousand dollars and find out that this home is not allowed to be there. And that is what my fear is. What you're really doing is you're doubling the occupancy of that lot. Now does she have neighbors? She does. Well, you have to see if covenance and zoning and building on all of those ordinances will accept that home there on a permanent basis. Otherwise you could be screwed.

And the other thing is this, if she sells her house, you don't necessarily get to write in there that someone else can stay on there and still sell that house. And if she runs into that problem, she may have to say to you, I can't sell my house. I thought I could, but you're going to have to leave or you get a new owner who's on there, and the next thing they do is try to get you off of there. There's too many contingencies. I would rather you buy your

own lot to put this house on. You know. That's but even then, when you buy your own lot, it must be a lot that allows these kinds of homes. Not many lots allow these kinds of homes. That's why they're called park models, because they're usually made for parks. Right right, right now, I get what you're saying, and they're not made now. There are some mining claims you can buy. There are some big acreage lots you can buy where people don't care what you put on them, and

then you could buy it and put this up. But as Sue said, you still have to worry about sewer and water and electricity. Yes, yes, and all these things we've considered. That's what this is. What's like sticking with my husband. He doesn't want to. She's kind of like on the fence about it, because are those three things? You're absolutely right. My friend said that, you know, her property is so secluded that,

I mean, you couldn't really see from the road. She said, why, father asked telling their charney, I'm like, well, my god, because ones they did it doesn't matter how secluded. Once they find out about it. The last thing in the world you want is for someone to tell you to move. Yes, yeah, I mean after you set it all up. Also, do they have septic and water? What do they have? Where would you hook up septic and water? She has a septic system, But how much will it cost to dig over to it to tap in?

And is it big enough to accommodate both? And will the state allow you to do it? There are state laws regarding septic systems as to how many people can be on it. Oh really, I didn't. Yes, yes, there are there health department rules, which means, listen, you can't just go set up something because someone says you can. There are rules and regulations and water. What about water, whether you have to dig a

well? No, No, I'm I forget what you told me about the water now, I mean it sounds still it sounds still planned to me. I don't mean to burst your bubble, I really ure. No, I'm glad. I'm glad you're killing you because this is exactly you are framing, exactly what my husband's thoughts were. He wasn't able to put it to you. But you're right, these are a lot of things I need, we need to consider. Otherwise, you're making a one hundred and thirty thousand dollars

investment and you got a problem because you have nowhere to put it. That's why they're usually set up in mobile home parks and RV parks. Now, you said you didn't like the park, but are there is there a park you do like where you can put it? You know what? The part that I looked at, I'm not sure they have any space, but I

could go back and ask. But yeah, no, you're right. Now there might be you And even if you find your own land, don't put money down on land or buy it until you know that they will accommodate these homes because these are these are considered modular or mobile homes, and a lot of people do not like them. They do not like them. Yeah, yes, you're right. I think they're darling, but I think they deserve

a place. Now, keep another thing in mind, Ester, More and more communities are opening up to the idea of more than one abode on a lot. For example, all over the country, they're trying to cure homelessness or make more affordable housing by allowing people to do this. But until those laws go through, you can't assume you can do it. You must, Okay, check all of the laws first before putting before investing in this. Okay. You know. Another thing people you might want to consider is buying

a conventional lot in a subdivision. What is your budget, By the way, it's below to two hundred thousand. It's going to be very difficult to get a home for under two hundred with a lot. Do not buy a house. Do not buy a house for one thirty And then think, on the goodness of a friend's heart, you're going to be able to put it there. Why not just ask that friend to sell her your to buy her house? Yeah? She if she is her house paid for? Do you

know? Oh, you know, you're brilliant, you really are. She may she may sell you. She may sell you that house for a deal where you can put some money down and make payments to her. She may even own her finance where she can have payments coming in. I'm just saying I don't want to see you get into trouble. Oh my gosh, you are so smart. I did, yeah, because she was trying to figure

out what to do with the house. She's marrying someone who's got who's very wealthy, and they so rather than put a house on there, you got a house already, the house is legal. You can buy that house, or rent that or lease the house. You can lease it with the option to buy. That would be way safer than buying a house and hoping you can piggyback on the lot. That's what I would do. So, so try it and if you need any any more information, let us know for

sure. Kevin's got a comment, Kevin, what is your comment? Sir? What is your comment? Well? I worked at the s Word one time selling insurance the State Farm, and we tried to ensure those kind of people with those homes. If they couldn't get mailed delivered there, they couldn't get insurance. Wow. Well, that's a good point. These are not really considered homes. They're not like I don't think they're HUT approved. I

think they're literally like a stationary motor home almost they really are. But I think that parks are set up for them. Parks are set up for them. In fact, if I was going to go to a mobile home park, I'd rather have one of these than a mobile home. They're different, They're totally different, and they're better quality. We have more coming up on the Troubleshooter show. Go with a sure thing Denver's best roofer Excel Roofing dot

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

three oh three nine two zero sixteen twenty two. Hi Tom Martino here at three O three seven one three talks seven one three eight two five five. Don't forget Genesis tootalexteriors dot com now for mold mitigation and detection without the fear. Genesis Totalexteriors dot Com. You'll get straight information. Now let's see I have a text and but by the way, we have lines open at three

O three seven one three talks seven one three eight two five five. Uh, Tom, last month, my aunt had two checks written and she's putting her out going mailbox with the little red flag that goes up. You see, that tells the male person that you have people, you have mail going out, and she had checks there. Most people know when you put the red flag up, you have checks. They took the checks. Somebody took the checks out of the outgoing mail, wipe them clean and made them out

to themselves. Warn older people primarily not to put mail in their box for the mail mean to pick up, especially checks. And that's true because people are on the lookout for outgoing mail, knowing or thinking that it might be bills you're paying. They can take those checks and reroute them to themselves. It's easy to what's called wash a check and to put another person on there or not even that. They can literally just take the check and sometimes cash

it. That's how little some of these banks pay attention. This is another question tom It says, tom or Mark is Mark around SEUs. He's not okay, because I'm sure he'd have something to say about this. Tom or Mark, I have a question. Why do people blame Biden for inflation?

That's interesting, that's very interesting. Why and here's why presidents are blamed for inflation when the president and Congress are not just you know, Senate, I mean Senate and representatives both collectively known as Congress, but or their lawmakers and the president. They're only I shouldn't say only, but they're responsible for fiscal budgets and spending. And the monetary functions are the Fed and the Treasury. But Biden and his teams, or what they call the administration, they're in

charge of the fiscal policies and that's budget and spending. Also, this loan forgiveness and all of this is all part of of you know, the presidency, right, the executive orders and stuff. So when a president, any president, I'm not saying Biden, but any president, increases spending and they increase these money supplied by forgiving debt or that kind of thing, it adds

to inflation. You can't just put you can't just put a lot of government money into the system with government spending and not have an impact on inflation. So what Biden and his people did and what a lot of presidents do. Again, I'm not trying to make this a political thing, but you ask, how can Biden be blamed? Let's just put it this way. How

can a president be blamed. Not just a president, but a president and his supporters his administration can be blamed for inflation by their policies, their physical policy. You know, they don't do the discount rates and the FED and all that the money supplied directly, but when they increase spending and put more money into circulation, you have more money in general, causing inflation. That that's the way inflation is caused. Another way is by forgiving debt and doing

that kind of thing, so people, that's how inflation begins. And then it's fueled further by the cost of money being cheaper than it should be, and then that grows, and that's where the FED comes in and tries to They try to quell the inflation by raising rates to try to slow it down. So you had Biden on one end, listen, doing what he called inflation reduction by actually increasing spending. He did just the opposite of what you

should do. Everyone knew the Inflation Reduction Act would not reduce inflation. They just gave it a name. I mean, it's so stupid to call it an inflation reduction Act and you actually increase spending is so contrary to logic. But he was allowed to get away with it. But I'm not saying it's because I don't like the guy, although you know, I have my own thoughts on him. I think his policies are crazy comes to the economy.

Now, other people would argue that he's done great and that it was Trump's policies in the beginning that led to this, But again everyone does that everyone. If you're in office as a president and things are not going great, you blame. You blame the previous administration. If things go great, you take credit, and then the next president will do exactly the same. They will never ever ever take blame. Have you ever once ever heard of president

ever take blame ever? I want to know if you have. I heard one president come close to taking blame. Do you know who that was? Well, he didn't actually even take it personally, but he did in a way. He said, we all have to tighten our belts. And who wasn't Carter? Jimmy That's exactly right. And you know what, Joel, people didn't like Jimmy Carter for that. They didn't like him because they thought he was pessimistic, he didn't lie to him. In fact, he was

one of the most honest presidents we ever had in our lives. Yeah, and he didn't last because of it. Isn't that weird, It's very very weird. He was a very good he's still alive, right, he's a good man, just hanging on. He's barely hanging in person. The good people. Just about how good people don't make good presidents. No, they just don't. And and then of course, you know, then you had

president. A lot of people thought Reagan was honest, just a good, honest man who knows, I mean, as honest as an actor from California career. But but if you think about who we have had as presidents and who've made good impacts, I mean, if you think about Clinton, Clinton was not that super liberal when you think about it, he was not. I mean, Bush was not that super conservative. I mean, you've had some pretty you know, some pretty we had a variety of presidents over the

years. I think Biden is the most liberal president we've had in a way more liberal than than Obama, way more and uh, as far as conservative, I don't know. Uh, Trump wasn't that conservative. He was conservative? Who was I think? I think I think changed, you know, because once the Bush junior Bush w got in office, then all the uh fear about overspending kind of went away in all both conservative and liberals. They all started to spend. I know, I know. And then again there's

the thing called buying votes, and that's what people are doing. That's that's what people do. They pander for votes. They know that there's certain numbers of people that will vote in certain numbers that are not big enough to make a difference. That's why everyone goes after billionaires. It's such a small class. I mean, you know, not that they shouldn't go after I don't

know. I'm just saying that it's a small class. Whereas if you pay off student loans for people, or forgive student loans and you and you go for minimum wage, what you're going is for the masses, you're buying votes. That's that's all there is to it. Okay, we got more coming up three oh three, seven to one to three talk seven one three h two five five. Renew home innovations, the best showers, the lowest prices. And I don't just mean low price here, need to say fair prices.

But what I love is this, They do beautiful custom showers and I mean it. It changes your entire bathroom, getting rid of those old ugly tub showers, never see them again? What would be too soon for me? And here's what's I love about him? Seventy two months to pay with no interest three oh three nine zero four to two thousand. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content than time for an insurance check up free, no obligation.

In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine here three h three seven one three talk

three oh three seven one three eight two five five. Welcome to the show, folks, Doctor chrdeck of This is UH and we're talking about I have a text now about stem cell because we said you did stem cells. Now when stem cells and when PRP? When? When do you call that? Uh? And that's a good one because PRP is a pretty damn good therapy. And let's talk about that. PRP is platelet rich plasma. Yes, it's your own blood's concentrated plasma or platelets, and then reinjected correct to the

sight of injury. Correct. What does it do? So uh, in our experience, we'll recommend PRP therapy if somebody has up to a small muscle tear, so a chronic spraint, chronic ligament injury, chronic tendon injury, small muscle or tendon tear. It will repair those types of injuries. When you're talking about a larger muscle tear like a rotator cuff, when you're talking about a degenerative arthritic joint, it's just not powerful enough to regenerate the tissue

to a point where you have a lasting, long term solution. I know there are some clinics that will inject up into a knee or a hip or a shoulder, but those are really more for temporary relief or for minor inflammation. If you've got a major injury or major degeneration, stem cell therapy is the only thing that's going to really regenerate the tissue, all right. Someone else said that if you use stem cells for hair regrowth. Have you monitored

patients and gone back to them? I know you because we talked about Denver Regen doing some hair stuff. Yeah, some hair restoration. Have you gone back and what are the results? We've been doing it now for about two years. We get so, how is it? It takes about a full year to get your full hair back in third so does it really come back

or is it just like like how you look of mine? Okay, I have really thin hair right right, I mean, and I have it real short now because you know what, when you have thin hair looks stupid when it's like you look like Einstein or crazy Einstein. But in any case, I don't mind the way my hair is. I mean, but does it really fill in somebody like me? Does it really? For somebody like you? It would because I'm not totally bald. Because you don't have a total

bald spot, you have thinning hair. So just the stem cell treatment to regenerate hair growth, we're really thicking up all the thinning areas and regenerate hair. Yes, yeah, and so but if you have a bald spot, a bald area, what we recommend is a full hair transplant. Well yeah, yeah, that's where that's where you actually do all the transplant, and we add stem cells, which other clinics don't do. We add stem cells

to that procedure. So we have two procedures. One to regenerate thinning hair, which is the stem cell procedure, and one to do a hair, a full hair transplant with stem cell with your own stems. So if someone wanted to have the thickening done like me or and I'm I'm asking for this this texture, hint, hint, No, I really am, But what seriously is it like a helmet of needles? I mean, I mean, how do you do all of the areas that have to be injected? I

mean that sincerely, how do you do it? Do you just take and start just going all over the head? Not quite like that. So okay, what we'll do is we'll we'll use nerve blocking with a small insulin needle around the scalp line. Yeah. Yeah, so that the top of the crown of the head is numb. Yeah, and then we have different types of needles. We have a multiport injector, so it is like a little

pad with a bunch of needles in. Yeah, that's one way we'd go across the head that way, and then we take different needles of different lengths so you get it to different depths of area within the scale. But it's not that painful, no, because we know, like I said, we numb up the scale. Now, how long does the procedure take. It takes about three to four hours to do that. Wow, to do that, you know, full hair transplant's a full day, a morning of doing.

But I'm talking about just the injection, just just the stem cell procedure alone for regenerate thinning hair, it takes about three or four hours and you've seen results. Literally, is there would there be a reason why it doesn't work? Have you had it where it doesn't work or people are disappointed? Not really, No, we haven't. As long as we're as long as the objectives are clear. You know, we're not going to recommend somebody that

has a full balding balding area just the rejuvenation. We're going to say to them, Look, if you really want the result you're looking for, you're gonna need a hair transplant with the stem cell therapy. Now, we evaluate each case on a case by case basis, so we have you send those pictures of your scalp, and our team goes over that with you, comes up with a plan, talks about what your goals will be, and where do you get the stem cells? We get the stem cells from both bone

marrow from the hip and from adipose tissue from fat. Fat and bone marrow mixed together, so you do both. Yes, So when I had my stem cell on my lower back, where'd you get You got mine from the bone r right. We just for lower back procedures only, we just used the bone marrow based stem cells and we mixed that with umbilical cord cells that we get from a supplier. Okay, and that's our back procedure. For most other joint procedures, we use the patient's own fat with their own bamb

It was amazing what happened. It really was amazing. I like I told you, man, I damn near just four went surgery completely. And my doctor said, that's fine, you don't have symptoms, but your physical ailment is so bad that it's going to resurface, you know, because because but it was remarkable with that much physical damage, how stem cells could take away pain. Well, I remember, we looked at your images and we decided, well, let's just give it a try and hope that you get something.

It was amazing. I mean, like I said, if I didn't have such bad physiology, I just didn't want to be faced with this bad physiology in ten years. But I was amazed. But like I told you before, one of the dis not disadvantage, one of the challenges you guys have is it was so slow over a four month period, I had forgotten why I got so better, Right, I'd forgotten it because it was so and I kept getting better and better. And then I think Stephanie says,

Tom, that stuff really worked. Yep, And we've changed the protocol. Since you've had it done, it's even better. Yeah. We have another product that we had, what do you do? We have a product called microvascular tissue, and what's that. It's used in heart surgeries and used in vascular surgeries to repair heart and vascular titches. It's a regenerative product. But once we've started adding this to our procedures, we see patients starting to feel

better within two to three weeks rather than a month or two. Well, it doesn't matter if it's a month or two or three or three weeks. If it really works and it really did so anyway, Denver Regen dot com. More coming red up, go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for

an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three 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 three O three seven one three talk seven one three eight two five five.

So it's weird. Some of the questions I get texted okay, one, Here is my son ran his car sixty miles on low oil? What should I do? Nothing? You can do an oil analysis if you want, But here's the deal. Sixty miles on low oil is nothing you can as long as it wasn't out completely. And even if it's out completely, I'm now obviously you shouldn't drive it all. But believe it or not, there are some cars even when you're out, if it was a good quality oil,

have enough viscosity to keep it from seizing. It would all have to do with the temperatures and other indications. But on low oil sixty miles, I wouldn't even give it a thought, that's for sure. Also, somebody wants to know what is the difference between depreciation of houses and cars. Well, okay, cars have a lifespan, a total lifespan. I mean, think about it. Okay, we can say ten years, but okay,

let's even say ten years. Okay. Uh, if a car has a lifespan of ten years and it's more like eight, but you would have more depreciation because theoretically it's not worth much at the end of that whereas a house can be around fifty and sixty years, so obviously would have less actual depreciation of actual cash value. But then you have something called market. In cars, the market goes down. In homes the market goes up, so you

have appreciation as well. By the way, I want to tell you Denverregen dot com to get a hold of Joel for weight loss or stem cell therapy or hair replacement. Denverregen dot com. I'm Tom Martino. Remember to call three oh three Martino. You can call three oh three six two seven, eight four sixty six twenty four seven for your help, information and referral. Save all your problems for me