The Troubleshooter 7-17-24

Yea ripped up new need advice. Who you don't have? Come running just as fast as we can. Shooter's gonna help. Come man, this is the Troubleshooter Show. No Tom Martino, Hey, Tom Martino here, Welcome to the show. Three oh three seven one three talk. Three oh three seven one three eight two five five is the number. And I gotta stress you can call three oh three Martino at any time because what we like to

do is get your calls, and even after hours. And if you call three oh three six two seven eight four sixty six, which is three oh three Martino, Uh, it goes to our voicemail if we're not around, but we will call back each and every person, and you don't have to stay on hold. And we are here as always to solve problems, answer questions, take complaints, and make your life a little easier, as we've been doing for forty five years, recovering hundreds of millions of dollars. Now,

listen, I want to go to the calls. Of course, calls always get priority. We have a follow up with Kelly. But I also want to say I did something that I don't think truly anyone in the media or in politics has actually done. I know Biden hasn't, and I know not one person on CNN or Fox did it. I did something very unusual. I actually read something before commenting on it. I read it from cover to cover. I read every single page, and I have some interesting thoughts

on it. I think now again, I'm not giving up. I'm not going to give my opinions on this because I've always thought this, and I mean that. I mean, I might give an opinion, but what I mean is I'm not going to try to sway opinions. I've always thought this before. I think people in the media think they have too much, and in celebrity, you know, the celebrity world, they all think they you know, people give it damn what they think. People don't. You're not

going to change minds. Okay, really, I don't care what Robert de Niro thinks. I don't care what anyone thinks. I all I care about it are the facts, and I want to make up my own mind. I want to think for myself. I am so tired of the elitism of people believing that they know better and can make your decisions and you should follow them. So I don't try to do that crap. But I did read Project twenty twenty five cover to cover every single word. I want to know

how many people have every single word? All I did was downloaded it. It's not a big not a big secret, and I read it cover to cover. Has anyone raised your hand? Anyone do it? I know a lot of people are commenting on it. Now, here's what I'm going to do for you. If you wonder what project or it's a mandate for leadership, It's called Project twenty twenty five Mandate for Leadership, the Conservative Promise, And as you imagine, there are a lot of conservative promises. And I'm

not going to go, you know, page by page. But what I am going to do is answer questions if you have them. Since I have it here and I have it in a document we can search, you can give me a keyword and I'll tell you what it says. Racist. There's your keyword? Racist? Is that in there? Okay? Because that's what all the pundits are saying, it's extremely racist, Okay. Bureau The first word that comes up. It says, bureaucrats of the Department of Education inject

racist, anti American, anti historical propaganda into American classrooms. That's one thing. It's I agree with that. It says the former, and then it says it says also systematic racism. It talks about systematic racism is not a thing, okay, basically that it's not built into the system. However,

improvements can be made, and that critical race theory gives people excuses. Basically, I'm summarizing, and critical race theory is not something to inculcate into the minds of the very young because they can come up and not think automatically they're going to be set back, and that gives them a better outlook without looking at everyone as racist. And it says that critical race theory basically starts out

that everyone is a racist and then you have to prove you're not. So the Secretary of Education should insist that the department serve parents and American ideals and not advocates whose message is that children can choose their own sex, that America is systematically racist and that math is racist, or that anything in and of itself can be racist. I mean, it just basically says a lot of I'm giving you just a highlight. It says it's basically against indoctrination like I

talked about yesterday. And then it says America. It says we must defend the false idea that America is systematically racist. The theory is disrupting the values and actually dividing people instead of uniting them. And again, there might be black people. I can't speak to this. I mean, I can't speak to it. But there are blacks listening to me every day. I mean, they call the show and we have a great time discussing everything. So here's the deal. You know, people say, Tom, do you see

color? I say absolutely, I do. And I love every color I see color. I notice differences. I love the differences. I love that people have different cultures. I love kids who grew up in Italian households, kid who grew up in Irish households, people who grew up in all kinds of hell. I love it. I love the cultures, the Jewish culture, I love it at all. And what I'm saying is this is their hate. There, No, you can see it without hating it. But

what is this I'm not black. I can't say that right now. Well I can. In my perspective. I don't see large scale racism, But is there. I mean, right now, is there if you're black, do you feel that we still have a system that is systematically racist? But you know what, Tom, you know, when we'll get over that when you're not black, I'm asking her. I know, when you get to the point where people don't say he or she is a first like this or

the first black that that really gets on the mycet. Well. Anyway, so, Mark, you asked about that the word, and we're going on, I got you, Doc, I heard you. Now the other way rehearsal of racist equity. They feel that it's going too far the other way and it actually becomes racist against others. And the casual acceptance and the rapid spread of racist policy making, which believes the federal government must correct the racist

policies of America. Another one, and again I'm just I'm just keyword searching. It says the the the American the Biden administration and the government believes that America is racist and uses it to divide people instead of uniting people. And they keep promoting this theory. And anyway, so so you asked about that word, Yeah, the word is in there. That's very interesting that you

picked that word, Mark, But is this policy racist? I don't from anyone that I've heard people I've heard from that are against it, and I haven't read it like you, So honestly, I know nothing about it. This is a first i've heard anything about it besides Trump is for it, which is bad and it's going to bring our country back to the eighteen hundreds. And I don't know where that comes from reading and doctor Okay, well here from reading the document, what I can tell you is this. It

is far more extreme than any Republican i've heard talk. When I say extreme, I'm not talking bad or good. I'm not giving you my opinion on how I feel about this. Some of these give me an idea of something you would call extreme. What's something extreme? Some of these things I like and some of these things I don't like. Okay. They do believe that the federal policy nationwise should be against abortion. Okay. Now, when I say extreme, I again, I'm not giving you more radical. No,

no, no, that's radical as hell I believe. I'm not saying now because of that this is bad, we shouldn't do it. Nor am I saying we shouldn't have a policy of life first. What I'm saying, is this document it looks like from I'm reading, would go for policies, would go for policies that would ban abortion. And I have to be honest about that. There are many parts of it, and I'm not saying that's good

or bad. I'm saying it does this document if you read it and don't have any outside influence or opinions and actually read it it, probably you would come You would come away with the idea that they would encourage their leaders to ban abortion nationally, which which honestly I think is anti Republican. And I'll tell you why, because I believe it's right where it's supposed to be now in the States rights, which is us the people's rights, and that's where

it should stay. Now if you live in a state and everybody votes, that's the way it goes. It does not call for a nationwide ban of abortions. It says to support leaders and to promote a life agenda where you know, and it just has other wording. But you could make the conclusion that they want the federal government to take a stance against it. Especially now I'm a little upset that now I found you a little misleading. You made

it sound like they wanted to ban it. No, if they just want agenda that promotes life, what I said was, no, it's a little more than that. And they do you they do say they're against abortion, but they don't come right out and say that they support a nationwide ban or a law against it. I am saying, if you read it, you get the impression that that's not far away that they could What else? What

else did you read that people might consider extreme on the left? Okay, Tom Whyle, Look, can I ask the question, Yeah, who produced this document? I never Project twenty twenty five? Yeah, but who? Oh, oh my god. It's a number of conservative organizations. Heritage found that was the primary. But then there are there are like one hundred authors, I mean or contributors. And you know what, Trump's actually separated himself from this. And when it comes to Trump and the abortion rights, he's

changed his stance. Remember at one point, this guy before you as president, back in the day, he was all about women's rights and he became a Republican and changed it. And I think a lot of people could say he changed his vision because of what party he was running for. But now he's back to like pretty much what I would consider middle of the road thinking on it. Okay, I want to talk to Don, Don, go ahead, what's going on? Don? Hi? Tom? I was just

going to speak to the same thing that everybody else is speaking to. This Project twenty twenty five is not Trump's it's right, that's right, a false plot. It's a false positive To put this out on the radio and go through Project twenty twenty five and talk about Trump because the average listener is not going to know that, and they're going to associate Project twenty twenty five with Trump. That would be like that. And I just said that. I

literally just said that. I know, I said, I was just going to say what you guys were just talking about, And it would be like me putting something on about the Tom Martino Show that has nothing to do with Tom Martino's opinions. There may be some got parallels to it. Tom, you wouldn't like that. You would be saying, this is no no. I understand that, but I didn't think it was my place when I said

I read it. I'm not I guess I am giving an opinion when I call that extreme, So that is an opinion, right, But but like

like there there are things here. When it comes to let's put a different way, you're also talking about it in front of thousands, tens of thousands of people in an election year, and it's associating it, yeah, with a candidate that has no association with no. No, And it doesn't say that, it says we must call on leaders, we must call on leaders to do this and do that support at all costs a pro life agenda. And then it also says, okay, let me just summarize one thing.

Okay, when it comes to climate change, they absolutely positively believe there should be not one penny spent nor one effort made for climate change, and that we do not have an appreciable effect on it. But to Tom, if I came up with Don McDonald's project twenty twenty six, and I had all kinds of things in there, and I started talking about Tom Machino and talking about my project twenty twenty six, there's no parallel. It's a false Don, I'm not making a parallel done, I'm not. I'll tell you why

a parallels made, and it shouldn't. It shouldn't be foreign to us. Here's why the parallel is made. They call this a conservative promise, and then other people call themselves conservatives. Soople say to themselves, Okay, if that person is conservative and if this is a conservative promise, they must be related, just like we do when it comes to progressive stuff. If someone calls themselves progressive and we read what's so called progressive agenda, is we make

the connection. I'm not saying there is a connection. I'm not saying some people believe it. I'm not saying some people don't believe it. I am saying that's why the connection is made. Whether it's accurate the connection, I disagree. I think to connections made because every lefty station out there, every lefty station out there, is the one that's trying to tie Trump to it. It's got nothing to do with being conservative. It's MSNBC, it's CNN.

May directly say all those are his past people, but he asks why there are parallels made or and I'm saying the reason is because they identify themselves as strictly conservative and anti progressive, and that is what a lot of Republicans. I am not saying that Trump is related to this, but you can't entirely say it's illogical to make a connection. Just like conservatives make a connection to all progressive ideas. That's all I'm saying. Whether it's accurate or not

leads. I imagine there are many Republicans who think this is bunk, and there are many who think it's wonderful, and there are many who think some of it's good and some of it's not. I am simply speaking in reality, and I understand you're doing that, but I agree with don go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation.

In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out Now three O three seven seven one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter Trio three seven one three talks seven one three eight two five five. I'm gonna go back to this in a

minute, but we're I'm going to take my calls Kelly. She has a happy ending for a we have a follow up now. Kelly called the show and she called back and Hew, are you laughing? Kelly? He is? He? Tom Oh? He I'm sorry. I'm sorry. I'm sorry, Kelly. Okay, So, anyway, I didn't know your damn pronoun. I'm gonna call you your highness anyway, Kelly, here's him. Here's

the deal. You bought a twenty eighteen toyot a four runner, and uh, whether you bought a five year, one hundred thousand mile extended warranty for a three grand? And then, as I recall, were you getting rid of this pretty soon? This? Did you get rid of this or something be way before? For your warranty was up? Yeah, I traded it in because I was trying to get a truck and I through just some really bad misfortunate that dealership. The truck they gave me was a Lemon, so

I ended up with the fore Runner, so okay. Traded the fore Runner in within about a month of getting it. Okay, So then what happened they we submitted a return refund for the extended warranty and it kept giving me the run around. So now did they say it was non refundable, because I told you it was refundable and pro radable. What did they tell you? They told me that they had to submit the paperwork. And it started

off as a six to eight week return. Yeah, and at eight weeks it became ten eight to ten weeks, and then that about ten and a half weeks is when I called you guys, And so what happened then? I know Deputy Dot called over there a few times. He never actually got to talk to anybody, but they knew why he was calling. What happened, Well, it was funny. They called me. I talked to you guys Thursday, and by Friday I had a phone call and they said they

were going to overnight me the check on Monday. Did you get it? I did? I got Shannon overnighted he got the check. What do you want? What do you need to do? Bro, I'm in the studio today, not in my home studio. You got to do my dinger and uh, come on, Shannon, come on now, boy, there you are, Kelly. But by the way, I really appreciate you calling and thank you. Uh, we appreciate, appreciate you guys. You do awesome work. So Okay, man, it's so nice to hear that. Okay.

So three oh three seven one three talk seven one three eight two five five. Uh, Jamie, now this this Jamie, I want to take a quick break. Come back to Jamie. I'll tell you why. This highlights what I believe is a new level of crime. Now, people might say, Tom, vandals have been with us forever. Yeah, that's true. But if you notice nowadays, there are crimes that are committed and I guess we can call all crimes committed to be hateful, right, and to

be mean, But some of them have no other motivation. There's no profit, there's no money. It's not like, Okay, looting a store is mean, it's terrible. They break the windows, they steal stuff, but why do they steal stuff to resell it? But there are some crimes that are done with no apparent motivation other than to be mean. And that's one of the things like key in a random person's cars, yeah yeah, or

else exactly to put a video on TikTok. Now, I'm going to tell you something that came out in the news too, and people say, you know, what what is this all about? You know, I know people love seeing conspiracies under every under every rock. And I'm not talking conspiracy, I'm talking facts. There are two things that are very weird right now that I find. First of all, all of these videos and people coming out saying they saw a guy crawling around on a roof at the Trump rally and

he was the shooter. And in fact, the police officer who came eye to eye with him saw him and then fell off the he was holding onto the roof and peeking over the roof, and he didn't immediately warn anyone. And then you have all of these people who say, we were telling police there's a guy on the roof. One person even said there's a guy crawling around on the roof with a gun. Now, well, and a lot of it's on video, Tom, It's not like they're just saying it.

The video backs up it. Then you said, and I looked it up. Mark the headlines. Now the pants is incredible. Ahead, Mark what happened? The parents call? Well, the parents we right before the show started, we find out the parents of the sniper, the attempted assassination. This is unbelievable. You ready for this? They called the cops hours before, thinking their kid might make an attempt on the president's life? Can you believe it? So all of this goes down, and I keep saying this.

At one point do people go, oh, that's a conspiracy. Where does where does it cross the line of these guys did nothing? They didn't, they did nothing. They were worn two hours before from the parents. Cops knew about it, everybody knew about it. Then we find out I ran wanted to kill this guy. It's just so infuriating. At what point is it no longer a conspiracy that the Biden administration could care less as someone shock it the former president As far as caring, I don't think they had

anything to do with it, but I think there's something. Are you kidding? He's the one that hired the lady in charge, Tom, He hired the lady that used to work for PEPSI to run the secret Service, and it's gone to hell. Yeah. 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. Time for an insurance checkup free, no

obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies. Find out Now three oh three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Three oh three seven one three talk three oh three seven one three eight two five

five. Okay, So, Jamie, I heard about this and said I can't believe it, and I think it goes into a category of just plain mean. Can you explain what's going on? So we have a family owned and run company. My brother in law, my husband, and our family run a tree spade business. Now it's a tree it's like a tree farm.

Yes, yeah, okay. So we have a tree farm out in Albert, Colorado, and we've been working hard trying to invest in our future and possibly the futures of our children, just depending on what avenue news they take. How long have you been in business, Jamie. We've been in business as landscaping and more recently and completely now tree moving and sales since nineteen ninety nine. Okay, So you've been doing it a while, yes,

okay? And what happened? So somewhere around about the thirteenth to the fifteenth of June, somebody cut our fence, went into our tree farm and took a chainsaw to both irrigation system and over two hundred and seventy seven trees. What stage of development were those trees? In? A lot of them were completely ready for retail sale. They just went into disband They didn't steal the trees, they didn't do anything. No, no common sense would tell me

competition. God, do you really believe that? I believe who else would do it? What maniac's going to go in the middle of Elbert County with a chainsaw? Yeah. So we're trying to find the people that did this. We want to hold them accountable, We want we want justice because what they did was try to put us out of business. And that's very personal. That's not something that we've ever warranted through the way that we conduct ourselves, the way that we do business, the people that we are, and

this is very personal. Does insurance cose either a pissed off customer or a competition man there or an ex employee? I agree, this is a very personal act. You think so marked like they were targeted, right, I definitely, yeah, we are definitely targeted. It's just a matter of now finding out who. So we've hired a PI. We are using every bit of technology available to us. Anything that we find out, we're actively pursuing. We want these people held responsible. Wow, I wonder where you even

start with an investigation like that. You know, we're kind of deferring to the professionals on this because this is something that we can even fathom or comprehensive. Now, now let me ask you this. Now, Now you say a chainsaw, how do you know that? I mean, it's obvious because they were so they left them right, They left the trees right there. Yes, they did not physically remove anything from the property. They just wanted to destroy everything. That is so sick, Tom, You couldn't cut that

down that many trees. And that's true, that's true. So do you think, I mean, do you do you think it could be someone one of your neighbors that was there anyone that ever objected to you for some reason having a tree farm. I could think of no better neighbor than having trees. But I don't know our neighbors are great. We are on really good terms with everybody that we've met. We don't have like an ongoing it's not like Hatfield and McCloy's. It's it's nothing like that. We don't we don't

do things like that. And our neighbors seem like they're perfectly fine having trees instead of rambunctious teenage or something for neighbors, you know, they're fine with the tree farm. We've never had a complaint. The property that we purchased was already a tree farm. We've just worked hard to improve it and try to optimize what's going on. So we weren't establishing something that wasn't already there. Now, why do you not know exactly when do you not go out

and check them off? And you said sometime between well and such. So we work on other properties during the week. We're moving trees things like that. We have other locations that we do pull trees from. So we were not on that property. On our tree farm, we check it on the weekend, but we were not out there that weekend. So we were out there Wednesday, and then we were out there the following Tuesday, and that's when we found all the damage. What do you know about the prior people?

Did they happen to get foreclosed on? Was it at auction? I mean there's got to be someone out there, the PI or or you and your husband are looking at we are looking at everybody right now. I want to ask you something. I once saw this on a TV show. Please don't laugh at me, but it was. It was on a cop show. And what did the cops say? The cops said, you somebody A few people came to your mind when you saw it. And now I don't know if that's true. It was a cop show, but I figure they

have cop consultants. Did that happen? Right? Did anyone pop into your mind? One or two, three people? I'm not asking for you to name them on the air, but did did anyone pop into your mind? We definitely have our suspicion. See I thought so. But let me ask you this, Why did they pop into your mind when they did? I'm not asking for who they are? Why did they pop into your mind? Because who else would do it? You know? It's just she doesn't want

to give it away. Oh yeah, I'll tell you who you can Who can you limit? Trump? No? Joyce Kilma Trump was at the convention. Jamie, what is the value of these trees that were destroyed? Yeah, what's the value? The retail value by the time we would have enabled to sell damage is over three hundred and twenty fives. Now three twenty five was the gross amount? What would your profit have been? That's with our profit. That would have been your profits that were destroyed. Oh ok,

yeah, so let's figure one thousand bucks plus. Situation. Man, that is unbelievable really, So so do you have any kind of business insurance? We have every kind of business insurance except cross insurance. Because of all the things that we felt like we had to protect. Trees growing on a random piece of property somewhere was not even in our wheelhouse of being a necessity. So as far as being made whole by insurance, that's not happening here.

It sounds like it's someone I bet. I bet someone in the business would know that too. Someone in that same business would know you didn't have that insurance. I go back to an ex employee or a competition. Why, Mark, I mean a competition. Now, First of all, you're talking about, you know how hard, even even with an electric chainsaw, to cut down two hundred and plus trees is insane. No one would do this

just to do it. No, And we had a bunch of smaller nursery stocks that we had just bought this spring over this probably over two three hundred trees out there that are younger. They were, you know, we were getting implanted so that we could grow them up to sell them as adult trees instead of you know, younger trees. And they cut all the leaders out of every single one of them, so they knew, they knew college of what to do. Yes, plus your irrigation system, and I'm sure they

knew that there was no insurance to kick in. It was hate for sure. Jimmy, I am how long do you think how long do you think it would take? I mean, you know how long it takes to chainsaw stuff better than I do. How long do you think these vandals or these these asses were there. They would have been on property for hours. It's not just when. So it's somebody who knew they someone who knew your schedule.

Even well, we to the best of our knowledge, because we do have a couple of neighbors in particular that really do look out for us. We think this happened overnight, so they were out there in the middle of the night doing this. Just it's mind boggling. And the more I talk about it, the angrier I get about it again, because this is we don't conduct ourselves in a way that this retaliation would have been justified in any way, shape or form. I'm not saying that retaliation like this ever would

be, but not in your eyes. But in their eyes they thought that obviously they Yeah, I don't know who they are. I can't understand the way they think. Because there are lines you don't cross, and this is the way. What can we do to help you? It's nuts just getting the word out there? All right, let's talk about how about putting a reward out? How about putting a reward out over the air. We have a ten thousand dollars reward. Okay, now tell us how do they narrow

it down? It's in Elbert County, right, yes, where I mean, can you get I mean, is it something you don't mind giving out? It's off of Mall Road in one o two, so it is. It is way out there. Someone knows, someone listening knows who did this. Someone knows. It's too random. You don't just go driving around and say, let's stop here and cut down trees. Did you say Maul Road like mull m a U l Omall Road and yes? And what? Okay? Okay, hold on, we want to uh, we want to talk

about this and figure out what we can do for you. Okay, So hold on, I'm Tom Martino. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation 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 threer three seven one three A two five five. So we want to figure out what to do the road. If you have any information, what number should they call Albert County Sheriff's Department or what I mean?

If they saw anything hurt anything that's so far out there, but they might have ideas. They hired a private detective. And in case you just tuned in this Jamie and her husband they run a tree farm. They had two hundred and seventy trees vandalized. People cut down their fence, went in and just saw down with the chainsaw, two hundred and seventy trees plus destroyed

the irrigation system. Just plain mean, destructive, hateful, you know, that's what There's so much of that going on nowadays, so much of that. And it's not like they stole it. They didn't have money as a motive. It was pure disgust and hate. What else do you call it? Anyway, it was out near Mall Road, m aul Mall Road and Road one oh two in Elbert County. And anybody have any ideas, give us the call or give this Elbert County Sheriff's Department a call. And we

have more coming up on the Troubleshooter Show. We've been talking about a whole bunch of stuff. But if you have problems, questions and complaints, they get priority. Monty, I promise you you're first out of the gate. Will talk about Markly Motors coming up go with a sure thing Denver's best roofer

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

cam un in. Just susass as we can. Shooter's gonna help. Come man, This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino, Your Troubleshooter three oh three seven one three talk three oh three seven one three eight two five five. This hour brought to you by waterpros dot net. I think water is one of the most primary things we can do for ourselves fresh drinking water, along with of course supplements and and here's the deal

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Three oh three eight six two five five five four. Let's talk about Marklely Motors to Monty. And by the way, I appreciate you all being here. We were talking about Project twenty twenty five. Now listen when I say this. Some people texted me and said, Tom, why bother reading it if no candidates are claiming it. Well, I'm reading it because it's been in the news, and I read the entire thing from cover to cover.

Now, I can't tell you I'm an expert at it at all, but I read it, and what I said was I could see where some people would call it extreme and some from their viewpoint. And I can also see where some people would fully embrace it from their viewpoint, because it really takes some very strong opinions. And if I had to sum it up, they the authors of twenty twenty five, do not believe we should do anything

special for gender dysphoria, especially when it comes to public funding. Not that they should be discriminated against, but nothing should be done in the military, or in education, or in funding of anything health related to so called gender

dysphoria. That's really a pretty good summary. And they believe we devote too much time, energy and money to these transgender issues, including the sports title nine and all of that nothing should be altered for them, and that they believe gender is sex and that gender is not a list of forty other things outside of sex. So that's a good and I can see where that angers

a lot of people. Right. Then they think abortion is wrong, done over, should never be done, and that they should only support candidates and lawmakers and people who are against it and have a pro life stance. Okay, they don't say they should outlaw it, they never go that far.

And then they talk about climate change, that climate change is something that's inevitable and history and that man, you know, no matter what we do as America and spending the trillions of dollars we do, we cannot affect enough change to make a difference. Unless the world was united in one effort, even that would not bring about enough change. So they're saying that we're devoting too

much time and attention. In essence, they're saying we're devoting too much time and attention to climate change, gender identity and the other, abortion, all those things, and racism. They believe that we devote too much time to that stuff and we are actually creating divisions among people. Now, I'm one of the few in the media that actually read the damn thing. Now, I don't see anything extreme as far as calling for nationwide bands or laws or

anything like that. But they say if we spent money to just help people Americans and the country, and to keep us safe and to keep us secure, we'd be far better off and pay less taxes overall. Now, when you read it, you know, I can see where a lot of people would say, oh my god, you know, it's going to be bringing us back to the eighteen hundreds. In a way, it does regress some of the policies that we've had. In other ways, it's refreshing, but

it depends on what sections you read. That's my take on it. But I urge people to read it. In fact, I should make I mean should I don't have to do it. You can do it just if you google it. It's in a PDF. You just say what it is. You don't see anything wrong in it. I didn't say that. I said I don't see anything either way. I mean, I think there's a lot of good stuff in it, and I think there's some stuff in it that

some people would find offensive. I personally don't find anything offensive about it. Okay, if that's what you want me to say, you don't. I don't personally find anything offensive about it or dangerous. I can see, however, where people could use it to advance ideologies that could suppress people. I am. Those people I doubt have read it. Those people are the people

you're talking about. They haven't even read it. And there are a lot of things that we all believe in ourselves, right, But yeah, good information is never bad, right. You will present the information about something that most people don't know what it is. And I don't know how anybody can get upset about the fact that it's as long as what you're saying is truthful, and I know it is. It's just you're bringing up I'm trying to be rather neutral about it, but I'm saying that I just don't. I

don't think it'sangerous at all. There's nothing dangerous. But listen, if you're into and by the way, one day, let's not forget neither candidate has anything to do with them. Less than one percent of the people suffer from gender dysphor you. It seems to me. Now, I'm not saying that people should be left behind just because they're a small minority. Okay, we're not that kind of country. But I think we devote far too much attention to those issues, far too much attention. I mean, I don't get

it. I just personally don't get it. But then I'm not affected by it. But we've allowed the progressive left to redefine our culture to some degree. We're bending over backwards to satisfy the demands of a very small percentage of a population. Now and again, when we say left, we don't have extreme left all the time. Just like when we say right, we don't

have extreme right. That's the problem to we all use a word and then immediately we have our own definition of what that word means, and many of us have chosen to mean a left is extreme and right is extreme, and there's no in between. But there is in between. In fact, I think most people don't feel fully about one or I don't think they fully feel right or left. I don't think they do. I might be wrong. Anyway, Monty, let's talk about this problem with Marklee Motors. Where is

Markelee Motors located? I fear it's going It's in Wells County, isn't it? Is it Larimer County? I believe? Okay, I'm okay. So anyway, Monty, what happened? Yeah, what happened. It's not a whole lot of money, and they might be legit, but I took it in for an air conditioning. Now, by the way, this is not a car you bought there? Correct? Okay? What car do you take in? It's a two thousands Okay, a two thousand buick Le Saber.

Go ahead. So I took it and for air conditioning recharge. The guy told me it'd be one hundred and seventy bucks and then he would do as much as he could for that amount, and if something was wrong past that, he'd give me a call that. So this was for to install an AC or service it. Service it. It was just blowing hot air. Oh my god. One of the I just thought it was a free on recharge or whatever they do. So he said one hundred and seventy bucks.

He'd work on the air conditioner and then call me that needed more stuff. Well, they called me and said the thing was leak and they have a whole thing. They went through leak inspection showed leaking out of the air conditioner, blah blah, hoses needed. It was going to be one thousand dollars. I said, well I don't want to do that, so I'll just come pick it up. So I'd come in to pick it up and they say they didn't do any work on it. Then they just had the diagnosis

on it. And then I'd go to pick it up and they say it's one hundred and fifty seven dollars. Well, of course it is. They did they did a diagnostic. Okay, So that's what I said. I I mean, why should it be free? I mean, why should it be free? They? I mean, I mean, okay, I get what you're saying. You're saying they would service it for one seventy, Well, they did kind of service it. I mean servicing includes die. I don't listen. That's my perspective, Mark, What is your perspective on that.

Well, I don't know what they did, but most likely if it was a very small hole. When they actually hooked up the machine to recover the free on, they put another they put more free on in with a die. Then they saw the die coming out and then call them up and tried to sell you'll rip the additional work. Would you feel ripped off? Mark? If they said it's one hundred and seventy for service. Oh, by the way, we can't really service it. We found a leak one

of those I have it once again. I think they had to hook it up to the machine and start the EVAC and recharge on it. So they literally had to do the service. They just found out it had a hole. Monty. Did you feel what did you feel they should charge you? Let's put it that way. Well, that's I mean, that's why, you know, sort of precist that was saying it could be totally legit. You know, just what did you feel? What was your first initial reaction?

That they maybe could have put in like one of the hoses on it or instead or something just for the one seventy did some kind of work on it. You know, I think they did. I think they did. I mean really, I honestly think they did. But okay, well, I really appreciate you your and especially especially because I know you guys know. Yeah, we we don't know everything, but we have good feelings. Let's put it this way. We have a good barometer based on all of the

calls we take. Now, if you said agree, if you said, hey, well beyond that I have I have probably performed and sold ten thousand of those over my lifetime. You have to hook the machine up. I mean, unless if they were a complete ripoff place. I mean, you have to hook the machine up. Okay, Now, by the way, thank you for calling Monty. Now, what do you guys think of what happened to Terrell Davis? Okay? Do you think if he was I want to ask it because everyone's asking it. If he was a white man,

it would have happened. Listen, what do you think do you think it was because he was I don't know how. I don't know how the tap went down and I don't know what. I don't know what mood the stewardess was in or the flight attendant. So I don't know, man, but it's a crazy story, clear picture. Was this a female flight attendant? Do we know that? I couldn't even tell you. I don't know. I think it was because I think it said she was taken off of active

duty or something. But in any case, I'm just curious what people think about it. Really, I am, Well, you better explain what we're talking about, because a lot of people don't know. Ozay, go ahead, Mark Well as my best recollection. I didn't know you were bringing it up, but Suzanne kind of filled me in on it. Yesterday. He's

on an airplane with his kid. His kid asked for a glass of water or a cup of water or a drink or something along those terms, and she just either didn't respond at all or said she was going to do it, but basically, like, I don't think she responded or he responded for that matter, So Terrell tapped him like, hey, did you hear him? And then all of a sudden, he basically gets asked to get off

the plane. Okay, And the way it happened actually which was weirder in my opinion, was he tapped her, and you know when it's when when the when the I guess they were flying at the time, okay, they I think, or they I don't think they were on the ground. I don't know. But when he tapped her, you know, you know, in a plane, you know everything, you might have to speak up loud or sudden. Maybe he tapped her and as you said, he didn't realize how hard. Who knows, but he said he tapped her to get her

attention, and then she says, don't you hit me? But then that was it. Apparently it was a male by the way. And then after the flight is when he was detained. To see, people don't understand that everything went normal from that point on. They didn't talk to each other, and at the end of the flight when they landed, there were FBI agents there to detain him. But then he was exonerated one hundred percent. They said he didn't do anything wrong. That's right. But to go back to

your question, I don't think. I don't know if there was any relevance if it was a black guy or not. I just I don't even know how I'd make that determination without being there and not knowing that that that dude's background, that background could be a racist bigot for all I know, or he could be married to a black woman. I have no idea. Hey, guys, can I pop in here some info? So, first of

all, it was a male flight descendant, okay, thank you. Okay, of all, his son, Terrell Davis's son politely asked for a cup of ice, okay, and the flight attendant pushed the cart through somewhat ignoring him. So Terrell actually like turned around still in his seat and tapped him on the shoulder, and basically, in his own words, he says, the flight attendant either didn't hear or ignored his requests and continued pat to pass a row. I calmly reached behind me and lightly tapped his arm to get

his attention to again ask for ice for my son. His response, and the event was he shouted, don't hit me and left the cart to hurriedly approach the front of the plane. Okay, So, by the way, and then that's why nothing was done. Then they were in flight when that happened. Then nothing happened throughout the flight. But at the end of the flight is when they entered, so they might to call thehead and said, I have a guy that was disruptive and I want because that's what they do.

And then at the end of the flight, when you land, there are people there to meet you. So my gut is the guy this this uh stewardess or excuse me, flight attendant is a complete jackass. Yeah,

who knows what motivated him. You know, that's weird. But anyway, Terrell Davis was very upset about it, posted on social media and then have been he has been interviewed by others and I just wondered what people thought about that, because it did You know, the airlines are very very very sensitive right now to I mean not now, but over the last few years, especially just round COVID, they started getting really really sensitive about anyone who disobeys

them in any way or acts up in any way. Yeah, well you give you give go with a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're content, wait time for an insurance checkup free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to

seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter. Three oh three seven one three talks seven one three eight two five five. Compass Insurance Group free insurance checkups. Make sure you're not under insured or paying too much. Three oh three nine nine six nine thousand. Kate has

a comment on Project twenty twenty five. Go ahead, Kate, what is your comment? Hi? Tom, I have read it and I would just ask you to do to dive a little deeper. On the same page where you found the twenty twenty uh twenty twenty five, there are position papers. When you read those, then they're written by board members of the Project twenty twenty five about the restructuring that they would like to see within the government.

It includes replacing current people and putting them through indoctrinations. Okay, I'm using that word. Training program would be the where they use extemely training program. How to you know, be an administrator? No, you're right, you're right, they're talking You're talking about administrators. Now, what they're saying is they define each position and the purpose of the position, and what qualities the

person should have and what should be their priorities based on their agency. Like le, yeah, you're the same thing every employer in the world does when they interview you. But but what did you not Was there something that troubled

you about a Kate, I want to look it up. What section are you talking about out, well, I'm talking about those the recommendations for staff, right, Okay, go ahead, So what did you find what did you find troubling, if anything, that they would they believe in replacing current people who may or may not have any political affiliation. You can't assume that

everyone who works for the government is a particular affiliation, right. So the way they did that, and I'll let what she's talking about is this, they took it an office position or an administrative physician, and they highlight it with a topic, and then they go down and say this position is critically important. This is why, and then they explain the office and then they say what that person should be doing and what they shouldn't be doing. Yes,

okay, and you know, that's fine. They certainly can have their voice along that. This is a twenty Remember this is not supposed to be completed until twenty fifty. It's a long term. Wait. Wait, just stick to what you called about. Stick to exactly what Tom just asked you. What do you find wrong with the employer wanting people to understand what their job responsi abilities are and whether they can do them or not. What's wrong

with that? There's nothing wrong with that. You're assuming that that isn't already happening. And I guess, okay, I see what Kate is saying. Is this Kate is saying, how can you say, for example, that one position should not cater to because it talks about not catering to gender issues, for example, or not catering to climate change because their office is not meant to do that. She is saying, how do you assume that everyone

in the administrative government is doing the wrong thing to begin with? Well, I don't think that assumption's being made. Are you saying that they want a wide sweep firing of everybody in government? No, they want to review of everyone, though they do they do. What's wrong with that? If I

bought when I bought. When I bought four good years, guess the first thing I did was go buy and interview every single employee in person, down to the tire changes to make a decision if they were going to be with me or not. Do you think that everyone everyone in a government, in our government should be believing exactly what you know, what Trump wants? No, it's well, why did you just say Trump? Trump's not now we're associated Trump? Put this again. It didn't talk about Trump. Okay,

go ahead. They need a Republican administration, they said, so after our next Republican president is elected, whether that be Trump or someone else. They you're missing it. The Trump disassociated himself from this group. But it does no matter what she is saying. What she is saying is this, if Trump becomes president or whoever is president, according to this agenda. By the way, this agenda does not have just the president dictating this. What it

is. It's a list of duties for the state, for the administrative state, the regulatory state. It's a list of duties, and it's a list of do nots and stuff they're not supposed to get involved in. All it is is policy. What's wrong with that? Because they are not the experts in that they are a lot of them come out of his previous administration, a lot of the board people. But well, you keep talking about Trump.

So if Biden did it, it would be fine with you. No, No, I don't want either side to take over quote unquote, Well then who does see I'm not trying to argue with you, but who does Kate. Someone's got lay down how they're administrative staff and regulators regulate. Who else should do that other than the leadership. That's why, that's why they're the leadership. I mean, they set forth policy for their staff. I see here. I happen to believe that the regulative state right now, the

administrative state, they're they're overrun with power. That they they're drunk with power, and they have all kinds of power. It's amazing what they can do with the swipe of a pen. Tom. If you I've been watching some of the appropriations committees and other things on YouTube, the level of incompetence, ignorance, and I know anology in these agencies, Okay is overwhelmed. Now

what Kate's saying is this, I know what she's saying. I hope Kate listen she's saying, some of these people, for example, in an in an economics office or in a budgetaria, they might be trained in in an accounting or a certain skills. They may have a lot of skills that an elected officer would not. And just the mere fact that you have elected people saying here's how we want you to do your job. But that's not what they're doing. It's not These are policies that are laid down. They're not

just picked by whoever is a senator, a congressman, or president. That's why they laid out this agenda because they want them to follow certain guidelines that so they can't, for example, make them do things outside of the guidelines. They're trying to lay down guidelines for their administrative staff. And I call it administrator. It's way more than that. It's regulatory administrative. It's basically what people call do they call it the deep state or whatever? The unelected

officials. They're trying to lay down a policy for all unelected officials, saying you're not elected, you don't have a right to just run your office the way you want. Here's how you do it. Do you think there's anything really wrong with that? According to them. Here's how you do it. It's their agenda. I mean, you don't see their pushing. Oh my god, that would be their administration. But that's no. But but Kate, they're saying, you're right, you're right, Kat, You're right,

Kate, it is according to their view. That's right, you're right. Yeah, okay, But if there's other views, I just think that it's a one you either fit in the way that we have it. It's called I'm sorry to draw the analogy, but you know there it is rather Hitler esque. Kate. Kate, Wait, just wait, wait, Mark, wait, I really want to say something, Kate. I swear to got a liberal cam three minutes Mark without saying Hitler. Mark, Hold on a second, Kate. You see, here's the point. Here's the point is

that this is their agenda. You're absolutely right. But for you to pretend that the progressive movement doesn't have its own agenda. So what they're saying, here's what they're saying, this is our conservative agenda. They call it the conservative promise. They're not hiding from it. Now. I'm not talking about candidates. I'm talking about the group that put this together. Okay, So

yes, it is their agenda, It absolutely is. But to think if you didn't have this, you wouldn't have an agenda is absolutely wrong because right now we have a woke progressive agenda just the opposite of this. So it doesn't so what people want is what they'll vote for. Kate, You're absolutely right. These people have their own agenda, just like the progressives have their own agenda, and right now we're under that agenda. We're under an agenda

right now. It may not be this one, but we're under another agenda. Can't you agree to that? I do agree, Okay, So we're under whatever agenda people elect. We're under what i'd like to see, and maybe this is what you're saying. What i'd like to see is that no one has that. We we take the good and bad from different agendas and kind of meld them together. I mean, but I don't see anyone ever doing that. I don't know where the line was drawn, but it was.

We're never gonna have people in the middle saying, you know, it's okay to do this, and let's do this, but not this, and not that. They're never gonna meld the agendas. 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 re Max Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine here three oh three seven one three talk three oh three seven one three eight two five five Frank Ran the real estate man for market valuations of your home. I mean that if you look into sell a

house, so many people have questions. First ask your questions. No obligation. You never have to listen with him, but he'll tell you what he thinks it will sell for and why, and all of the market factors affecting your home. He'll even tell you how to stage it if you don't want to use him. He's a great man. Three oh three nine two zero sixteen twenty two. Franc Durin The real Estate Man dot com. Okay, so, Kevin Uh, go ahead. Now you had an issue with Gilbert's

tree service. You were working with Deputy Doc. What is going on, sir, Well, when he delivered the firewood back in February. Uh, he was driving a truck pulling a trailer and the four wheel drive wasn't working, that's right, and he got and he got stuck on he got stuck on the ice, and then maybe eventually he slid sideways and he finally got the truck and trailer out. And you said that the truck did a lot of damage to your landscaping, right, Well, not the landscaping, the

four x four posts, the two of them plus the gate. Oh okay, yeah, yeah, okay, he closed off so we can keep our horses in okay, And so we meet the gate. Well, they invent the gate up, so we need the gate replace. He took out two four by four posts, so we need them replaced. I'm sorry you were working with Deputy Dollar on this. I thought I put down here you were working on this. I was Deputy Doc. Oh Doc, I'm sorry, doctor. What did you do? Doctor? Call him? I tried to

get in touch to them, and they never got back to me. God, that's the same thing. They completely ignore me. Oh man, So we haven't heard anything from them. I will try I've tried them a couple of times. I'll try them again this afternoon, Kevin. Otherwise, you know, maybe small claims. Quot is how damage? How much did it cost you fix this? Well, we haven't been able to fit it yet. I would have to. I would have the price the four by four poles? Okay? Is the gate? Is the gate one of these big

like you know metal uh uh, it's a bit. It's one of those green tree furt uh pel cattle cow panels. Yeah, it's a panel with that. It's a panel that you put the hinge on the end of it, right, and and and it hangs on the hinge. Yeah, well on the on the post and there's yeah, there's two hinges right right, and then you have the chain on the other end right. Well uh yeah,

because there's two gates that close h yeah. Yeah, and so only one so you have two panels and one of them was destroyed, right right? Okay? Meanwhile, people, where is Gilbert's tree service located somewhere on Payton I believe? Do you have a phone number for him? I can get it. I have it right here. Give me the phone number, doc, because I have an idea. Go ahead with seven one nine six eight three six' eight three three four three seven three four three seven.

Look, we've given them time to call. Here's what I want people to do. You know what. And if people say to me, why do you do that? That's harassment, No it's not. It's no more harassing than a review, and in my opinion, doing a service to the company. So here's what I'm gonna do. I'm going to tell people to call Gilbert's and say I heard about you on the Tom Martino Show, and you need to call them about Kevin. Uh. If you're going to be in

business, you need to be responsive for damage as you do. Their number, Gilbert shure another, don't be vulgar or me. Just tell him you heard about him and they need to call us back. Give him the three h three Martino number. Their number is seven one nine six eight three thirty four thirty seven seven to one nine six eight three thirty four thirty seven. I don't blame you for being upset. And let's see that's seven one nine

six eight three thirty four thirty seven. Now, Anthony, what's going on? With you. Hi, Tom, what's happening? Uh? Well, my mother passed away. It was the other day. Uh oh, he left the whill. She left a will, and I'm wondering if she could help me with a lawyer maybe or yeah, we can help you for sure. Yeah, hold on, I'll help you. Hang on, Anthony, We'll answer all your questions. We do it all the time. Go with

a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're contenth time for an insurance check up free, no obligation. 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. Kay hew, Hi Tom Martino, you're a troubleshooter. Three all three seven one three talks seven one three eight two five five Anthony, I'm so sorry that your mom died just the other day. So now, did she have a will? Are you there Anthony, huh am I doing anything wrong here? Bro no sarh okay, can you see if he's there? A guys, he had a question about a will someone died. Now you'd be surprised how many calls I'm getting for people where there was no will.

Where if you do not have a will, if the deceased does not have a will, then the law tells who gets what. But here's what you can do. If you're in the line of inheritance and you're senior in the line of inheritance, you can change it. For example, if you're the first in the line of inheritance and you get it, you can decide to divide it up. We're not, but no one else can without a will. That's why wills are important, even if they are very simple documents.

But we have more coming up on the Troubleshooter Show. Three oh three seven one three talk seven one three eight two five five. I'll take Anthony. Right after the break we re establish go with a sure thing Denvers best Roofer excel roofing dot com. You don't pay a cent until you're content, leave time for an insurance check up free, no obligation. In comparison, call Compass Insurance, pay too much your coverage at dozens of insurance companies. Find

out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two d News deleted. You don't have come runingxious as fast as we can shoot. What's gonna help? Come man? This is the Troubleshooter Show. No Tom Martino, Hi Tom Martina, Your troubleshooter three all three seven one three talk

three all three seven one three eight two five five. This hour brought to you by eight eight eight Heating dot Com. If you need a second opinion, if you need anything, we do with an AC. They're out in force helping people through this heat, honestly and accurately. That's what's important. Three all three seven seven zero two seven seven six eight eight eight Heating dot Com. All right, So we started out the show earlier today and we

we were talking about Project twenty twenty five. We'll have some comments on that, so hang on, Mark, But I want to go to Anthony, who has an issue with a will and Anthony, he said his mom died recently. Sorry about that, Anthony. What are your questions? Basically? Uh? What did she did? She die with a will? Yes, she gave me a copy of the will before she died. Do you have an original? No? I don't. This is a copy that she gave me. Do you know where the original might be? I could call and

ask my sister. Who's the power of attorney? Okay? I want to ask you a couple other questions. And uh, how uh? How old is the will? Oh boy? Oh well, I could take a look real quick. The date on it? Let me stay here. Yeah, uh should be right on the top or where she signed it. Yeah. How many pages is Oh boy, it's about five pages? Okay, Well what does it say? The date at the end where she signed it? Signed it in several fus. But did she put a date anywhere? Without

a date, it's not valid? Oh boy, I don't date. Well, there's no date on that will. It's as good it's not good. Oh, it's a durable that's not a will. A durable power of attorney's not a will. Okay. It says gifts two family members. I give Anthony before you read that, let me ask a few other questions. How much is her estate worth? I'm not sure. Maybe a quarter of a million? Okay, So she did she have a home? Yes? And

was it paid off? Yes? Okay? What's that that worth? H I think she paid three hundred thousand or three maybe, well that's more. That's more than a quarter of a million. Uh yeah. What else did you have? Did you have cash in the bank? I'm pretty sure she did. Did you have investments? No? No, I know. How about vehicles? She had one vehicle with your new vehicle? Okay? Now how many airs all together? Seven? Seven kids? Well, grandson shed

some too, No, no, I'm talking about immediate immediate family. How many kids did you have on? Well? Two there's me and my sister and then the granddaughter. Yeah okay, I get you and your sister. But does the will? Does the will name individually other heirs or all that? You said the will name seven heirs? Is that right? Yes? That's correct? Okay? And what is your question? How can we help you? How do I collapt on you? I mean, well, who

is the who who filed the probate? That's a good question, that's something who's the personal reputation. Well, Anthony, so far you haven't answered one question except five pages. So here's what I need to know. I need to know something was a probate filed, Jed, I don't know? Okay? Where did your mom live? Did you know that where she live? She lived in the Windsor Garden Den? Okay? And your sister is she taking control of this? She's supposed to power of attorney. That okay,

But that doesn't mean she's the personal representative. Okay, that doesn't mean that. But the will names the personal representative. So when you read those five pages in the very beginning, it should name her personal representative. Who did it name? Oh? Boy, Anthony, do you do know how to read? Right? Yeah? Okay? So when you read it, does it say anything at all about a personal representative? No? Then you have an invalid will. That will has no date, there's no original, and

there's no personal representative. So how do you even know it's Does it have a signature? Even yes, she signed it in several spots not, but she did not date it. Boy, there's got to be a date on you. Okay. What I'm going to give you some homework to do. Look for a date. Okay, you don't have to do it under the pressure of a phone call. Look for a date. Your question is how do you collect on it? Well, okay, do you talk to your sister? Yes? Did you ask her? Did you ask her if she

opened a probate? No? I haven't. Okay, let's hear what it was just yesterday? Okay, I get it. I get it. So how long ago do your mom die? Anthony? That's two about two weeks ago? Maybe? Okay, I'm going to give you a list. Can you write a list down of what you need to do? Yes? Okay? Good. Number one. Number one is find out from your sister if she has the original will. Okay. If there is no original will, it's going to be very, very difficult unless all the heirs agree to abide

by that one. But if that one does not have a date, that will even be difficult. Okay, So you need to first ask your sister do you have an original will? And also did you file probate? Once they file probate, here's what happens. The personal representative. A lot of people call them executors, but they're not really called that anymore. The personal representative goes through the estate and pays the bills with the funds available. With

everything left over, they dole out the assets according to the will. Okay, that's it. However, the will can be challenged if there is no original and if there is no date. How did you happen to come across a copy and my mother gave it to me in the hospital? How long ago? Oh? About two weeks ago? Okay, okay, that's really good. Was there any were there any witnesses there? No? Okay. Do you think your sister is going to be fair and honest about this?

That's something? Yeah? Okay, good. Yeah, So there's seven heirs, there's got to be a probate, So call and call us back. But you must at least get started. Three three seven one three talk seven one three eight two five five. Mark. I don't know if you have

if you have a quick comment or not on Project twenty twenty five. But I started the show saying I was one of the few probably people in the media that actually read every single word, every single page and had opinions not on whether people should be four or against it, but but why people are saying what they're saying about it? So what do you have to say?

About it, Mark, Well, it sounds I haven't read it. But with listening to your conversation and then listen to what Kate had to say, I think that this is trying to address things how they're doing it now because they're just checking boxes. Now, say the Press secretary, there's a black, lesbian immigrant woman, so they get to check four boxes. They're not hiring people for their abilities. They're hiring because who they are. Shame as

they did with the Supreme Court justice. They they went to hire a black woman, nobody else got a chance at the job because unless they were a black By the way, you know, I know what you're saying, and to a certain extent, some of that might be true. Here's what I have. I have. I looked up what she was talking about, and I do have some observations about that. I'm going to ask you to hold and I'll take you, I promise, right after the break, because what

you're saying has some validity. Go with a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies. Find out now three O three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax

Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three all three seven one three talk seven one three eight two five five So uh, Mark, go ahead your turn. We had made some comments on Project twenty twenty five Finish Upsir. I just wanted to make that point that I don't think people should be put into a position because of who they are, black, lesbian, YadA YadA. You go ahead and make up your own, but I mean, if they're not, I want the

best person for the job, okay. And what this is, what this is really? If I had to sum up twenty twenty five and what people are talking about, really, what twenty twenty five says, what they're addressing, it's weird, it's kind of weird. It's really control through no control. And here's what I mean. They don't What they're saying is that our

government right now the positions in our government. There are mandates on how people do their job, and those mandates are everything they do must include DEI diversity and equity and inclusion and must be and hold on, must addressed all gender identities, and must address climate change. What twenty twenty five basically says is this, none of those things are your concern. You do your job. So it's actually it's really the progressive and I'm saying, this is clearly a

conservative agenda, and there's clearly a progressive one. The progressive agenda actually came in and added more control and definitions than anyone. When they talk about how can the conservative agenda wants to control everything, it's kind of just the opposite. They want to take out the controls and the artificial mandates that they consider artificial away from what's happening now. They said that our government is littered,

littered with all kinds of inclusion of extra stuff that was never there. In other words, when you talk about the rights of everyone and the constitution, it covers everyone. You don't have to make extra extra things in the government administration to address all these things. When you're reading with saying, okay, well that's what I'm reading from twenty twenty five. So it really isn't the inclusion of a lot of requirements. What it really is is getting rid of

all of the crap that has infiltrated. Do you know that we went through that that we as a country went through everything, the entire military, the entire budgets, the entire laws, and they take out references to genders, and they they have made everything politically correct cohesive in their mind, and they have included climate change. In areas about education, they've included they have included the issues of gender everywhere where it was just noted as as equality of the

sexes, now now they include dozens of definitions of different genders. So what this twenty twenty five is saying, when I should have said this to the other woman who called, who said, well, they're putting in all kinds of controls. What they're actually doing is saying that we've had too many controls and they're controlling our administrators and regulators now to a point where the woke agenda is trying to tell people how to think. I swear to God that's what

they're doing. They're trying and so what twenty twenty five is saying is don't tell people how to think, just give them our goals, and our goal should be the protection of the country and of all Americans. And they're saying, you don't need to make divisions among us. So, if I had to sum it up, that's what it is. And I would just like to say what worries me the most about it is so many people just accept it as being you know, right, or you know, well, what

you're saying about it being crazy. They're vilifying iting it for exactly what Tom said. I mean, basically, they want to take away the controls and they wanted something wrong with all of those special definitions, all of those special definitions, all of those special requirements, and all of the wokeism that has been built in. They want to take back out again and make it the way it was. They believe addressing men and women, male and female,

they believe addressing all Americans and security. My point is that's why the left is vilifying Project twenty twenty five, because that's the last thing they want to see. They thought they were changing us into a global society of some sort, and they're not. By the way, By the way, our budget items were thank you like, thank you for calling. And again, I'm not sticking up for this over anything else because I read it and I just wanted to know what it's saying. And it really is saying, get rid

of all this crap and just get back. And why won't you say you endorse it Because it's not because nobody gives a damn. Because I don't think that much of myself. That's why, Mark, Because I discuss ideas, because because it doesn't really matter. Everything you read is so in alignment with everything you generally say. Is my point. If you're asking me, do I like a lot of what I read? There are some things I believe that will cause severe division. Let me give you an example. It doesn't

mean I don't like it. I'm telling you it will cause division. When they talk about protecting the rights of all Americans. That's all they have though time on the left side right now, the Democrats side, all they have is division. They have nothing to run on, but they got a guy in office. You can't even look straight Mark. Where the Project twenty twenty five talks about protection of all Americans. They believe in the unborn are full

fledged Americans that should be protected. Now, many believe that, but that you must admit will cause severe division among an aggressive stance in my opinion ed Yes, Okay. All I'm saying is so when you asked, do I like I I what people? I don't think, Honest to God, I don't think people listen to this show to for political advice for me or what I think should happen. What they listen for is how to protect themselves and not get ripped off and all that. But the reason I took on this

twenty twenty five is I was so damn curious. Just like when people used to quote from all kinds of holy books, I decided, I'm going to read the Korra. I'm not gonna I'm not going to uh, I'm not going to let people tell me what it says. I'm going to read from every holy book I can find the Kuran, and I wanted to know what it said, okay, and and I just didn't want to hear it. And what's amazing to me is why more people in the media don't do that.

It's there for you. It's eight hundred and eighty eight pay but many of the pages are title pages or glossary and things. But if you get right down to it, there might be a real substance if you can doense it all maybe six hundred pages in this mandate for leadership, the Conservative Promise Project twenty twenty five. And I urge people to download it, and I think they would have a good thing. Oh, by the way, a Belle, you got a question on wills, a general question. What is

it? Bill? Well, I'm just wondering if I even need a will. My wife's on the titles for the house, and my wife is the beneficiary of my IRA account. If listen, if you have everything payable on death, whether it be a will, a deed, excuse me, whether it be a bank account, a deed, artwork or whatever. If that's all transferable on death, you don't need a will. However, it's not bad to have a will to dispel anyone who might and in your case it

may not happen. It may not be a bad idea to have a will that says everything has been accounted for and anything that's not goes to my wife, right and then my kids. That's well, yeah, well, okay, then you need a will because with that payable on desk stuff, it doesn't address how your kids get it, well, not only if she dies, but but what if you both die at the same time, or what if she dies first? Well, then the kids get it, right? Well no, not well okay, See Bill, that's the wrong way.

The wrong way is to allow the state to dictate, because when you say the kids get it, okay, what percentage do the kids get? Well, okay, are they happy with that? Well, they never talked about it. Well, that's what I'm saying. A will dispels every single question. And it's not going to cost that much to put it together, not at all, not for a small estate like yours. Right, Okay, I'm just wondering. Yeah, I think everyone the question. Everyone needs a

will. Everyone everyone needs a will, even a simple will. Miles, what is your question about Miles? Well he actually it's more of a comment, yes, sir, since they're talking about gender identity and ye kind of thing. A friend of mine orders some shoes online and he wears a man's size tent okay, and they shipped into him and they were way too small. So he called them up and he goes, why are these too small? And they said, oh, we have gender or gender neutral sizing.

Now, So if you want to size men ted he had to order a size Twell, are you kidding? Come on, I've never heard of that. I'm not, I am not, I'm not kidding. I'm just saying it's getting way out of control. I don't care about anybody's gender or what they identify as. But come on, well, you know, look, look as far as as as Project twenty twenty five and other poly season all of this, I don't think we need to be spending billions and billions of

dollars. And we are on gender inclusion and gender education around the world, and that's what we're doing and in our country. However, however, I do believe that people have a right. No, I am not against. If people want to want to change their sex, let them do it. I don't think we should prevent them. And if insurance wants to pay for it, and people are paying for insurance, let it happen. The question is should government pay for that in the military, should government pay for that?

Or should we educate children at an early age? Oh by the way, kids, if you want, you can switch what you are. I mean, all I'm saying is I'm not so sure that's the greatest thing in the world. But I do believe everyone has the right freedom and should be happy with whatever they want to be. I don't care if someone wants to be a hamster. If they're not hurting people, let them be hamsters. I don't care about furries, Honest to God, I don't. I don't

really care about it. And I don't avoid those people. I don't avoid anyone. I think everyone has a right to be happy and secure and live the life they want. I don't want to control them, but I don't want them controlling me either. But Tom, that's where it lies the people. I agree with you. But when it comes to infringing on others' rights, and they talk about like girls' locker rooms, girls' restrooms, then that's where we have the problem. And I also have a problem when it comes

to bottom line sports. Okay, you have girls who are always going to be weaker than transgender girls men who became here. They're always going to be weaker. It's just not fair. It's not because I hate them. I don't hate them at all. I just don't think. Maybe we should take all sex away from all of them, and then people will get what they want. Take everything away. Everyone can peace on an open field, and you know what, then what would happen? Reality would set in and they

start saying, wait a minute, that's not fair. Girls will never win anything. We'll get the point. And how dare a judge asks someone before sensing them? Where do you want to go? This guy has been sporting a penis his whole life and then decides he wants to go to a woman's prison and rape women. And all he has to say he has to show, no medical nothing. All he has to say is I am a woman and he goes to a woman's prison. That's freaking stupid. Go with a

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two. Hi Tom Martinez, your troubleshooter. I ran across a survey done by it's called Life Rankings, And you know, you can get into the methodology if you want. I've always found some of these survey companies to be very accurate in that they take matrixes that they survey and don't really put opinion in there. Let me give you an example. Let me give you an

example. This one list of surveys it's called City Rankings. And what they do is they have a category that you can rank a city by any category

you want of their matrixes. Uh, and what do they have, Well, they have for of all the overall rank then they have they have the environmental rank aaron, water quality, housing, healthcare of physical health of people, mental health of people, economic stability, employment, housing affordability, safety, education, leisure time, recreational facilities, and on and on and on. So you can actually range cities by individual items that are important to you.

Is song, Yes, now here's what I like. So then they do an overall ranking of the best quality of life. Now this is kind of strange. So then they get so they take all those matrixes I told you about, like twenty four different categories and they take all those categories and then and then give an overall rank. And they say that I had never heard the city, But Mark, you're not far from it, Redmond, Washington. Were you anywhere near Redmond, Washington. You went up to the

northwest anyway near Oregon. So Redmond, Washington has the number one quality of life according to all these matrixes. New were Microsoft's out of Oh really, okay, Newton, Massachusetts is number two. Now Newton is a small town up in near Boston, outlire in Boston. It's right, it's I believe it's where Boston College is out there. So Newton number two in the entire

country Woodbury, Minnesota. And then another one is Bellevue, Washington. Again, I'm not going to go through each and everyone, but where is any city in Colorado? Number ten? It was the first time Colorado showed up, by the way, just you know, in the top in the top ten, there were two from Washington state, two from Minnesota, and three

from California. And then you had two with only one in there. You had Indiana has Carmel, and then Colorado the number one city in Colorado according to this, And then the top ten in the country is castle Rock. Huh, castle Rock. That's odd. So then a number of other California cities again, you know, you might, I can't believe with the economic stability, but maybe because the income is so high they don't care about that, the tax burden and all that. Again, I'm trying to find another

Colorado city down here, and I'm looking at the top. I mean it goes down to okay, Broomfield. Excuse me, Centennial Colorado shows up at number forty. So you had castle Rock at number ten, and then you don't get another ranking until forty, which is Centennial, and then it goes back down to Broomfield. Colorado is forty four. Believe it or not. Boulder is down at forty eight. You would think Boulder would have been maybe

a little highly impressed by castle Rock coming in at ten. Man, I cool, no, I know it now Again, for a year, I did not examine the total methodology. It looks like surveys and actual data as far as healthcare and all that hospitalization's death rates, all of that. Again, Colorado doesn't show up again. Oh wait, Denver is one hundred, one hundred, which is you know, not terrible because they they rank all the way down to Oh my god, I think five hundred. So it's

really a very interesting matrix here. By the way, Dragon is foolish to me to think I'm caught up on breaks, isn't it? Is it foolish? Or am I I need to write then? Okay, because I want to tell you about some of the sub categories here and how we rank. But in any case, get your calls in. We have another hour to go after this one, of course. Three O three seven to one three talks seven one three eight two five five Go with a sure thing Denver's best

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

three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three O three seven to one three talk three O three seven one three, eight, two, five five if you want to call, we got only a few minutes this hour, but we have another hour to go. And some of the notable call say it's a let me let me go to some texts here. Anyway, someone says that it's wrong to talk about Project twenty twenty

five because it it. I don't know what they mean by this, because it's an election year with Trump, and they said, like r of K has a long established history of being a proponent of the environment, so it would be like discussing RFK Junior while reading the Unibomber's manifesto. See, I don't get that what he's talking about. Are you saying by reading from Project twenty twenty five, I'm somehow inferring that Trump is part of it? I'm

not. He said some promotents of the environment. Wait, yeah, he's making no sense to me. So and anyway, Hey, Susanna and I just a side note. You said, unibomber, we were in Lincoln, and uh, that's where he was from, man Ted Kazinski's little house. That whole thing was right in that town. What did they memorialize it somehow?

Is it like a landmark of some kind? No, seriously, we seriously, we didn't even know it was till we got to our next destination, Polsom Lake, and a listener took us out on his pontoon boat and asked us the last place we went to, and we said it was Lincoln and he goes, oh, that's where the unibomber's from, is shack and everything. So did you actually see a shack? No, when we were there, we didn't know, nor would I go out of my way to

see Ted Kazinski's shack. All right, Well, anyway, we got more coming up on the Troubleshooter Show. Three O three seven one three eight two five five Get your calls in, or of course you can call three ZHO three Martino. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay us secon until you're content. Leave 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. Ripped up News need advice so you don't have come runs as the can Shooter's gonna help come Dix is the

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no interest three three nine zero four two thousand. So. One of the things that I find really strange is during during COVID, you couldn't buy certain things and you couldn't read about certain things because it was going against the narrative

of and by the way they thought they were doing good. Possibly it went again the narrative of the vaccine, especially so if the vaccine was attacked in any way, shape or form, it was taken off of social media, and then also anything that was considered dangerous and they would say it was due to danger consumer safety. Yet there is a trend now people are buying on Amazon all day long something called sodium nitrate, which is what what basically is

that sodium nitrate? Is it powder? Well? Guess what it's. Sodium nitrate is a compound I'm reading here that is used in food preservation, automotive maintenance, whatever the hell, and animal control now potentially fatal when digested because it interferes with the red blood cells to transport oxygen. Basically, if you have too much of it, you don't get enough oxygen and you fall asleep. I guess when you're deprived of oxygen, you don't always choke and gasp,

do you, Okay, So they're using it for guess what. Teens in record numbers are ordering it for suicide. Really, there have been several cases of suicide where the sodium nitrates have been traced to a purchase on Amazon. Now, some people have tried sewing Amazon because of this, and they'd not be helped, They've not been held in. That's absurd. It's absolutely absurd that they would go after Amazon. Yeah, well, and so nitrate is a chemical you might as well know. I know, I get it,

I get it. You're right. No, I don't think Amazon. But it's amazing to me though, that you couldn't buy what was it there? There were certain things you couldn't buy during COVID because they were afraid people were over using it. But you could you can buy Oh, it was some horse stuff, but it was for the horse, so it didn't need a prescription. And anyway, they weren't selling They wouldn't they wouldn't be allowed to sell it. But they will allow you to kill yourself with sodium nitrates.

But this thing is a big deal right now. Also, new trends in construction. There are stats showing that new homes. You remember now, you remember it was if you had a big, giant home, it was a symbol of being rich, being symbol of being success. Yeah, and there were a lot of them. There are a lot of them. Look

all over Greenwood Village, Cherry Hills. Look at all over the big what I call the big house subdivisions, and then you have the smaller, more luxurious homes when you get closer to Denver in tight neighborhoods where they were small and they redo them. And then some of them do infill projects where they tear down a house and put up a new mansion. But that was big in Hilltop tearing down Hilltop and building a new home. Oh yeah, but right now, and that is in Hilltop what they call pill Hill. I

don't know, you know what that meant? Right? All the doctors lived up there anyway, I know a lot of them that do. Construction spending is starting to increase. I don't know why with the interest rates, but right now the building permits are not lagging that much, but the houses being built are smaller in general, and people buying homes. According to the US Census Bureau, people are seeking lower square footage now rather than higher square footage

now. There are many reasons given for it. One is cost of maintenance, of heating, of air of all of that. That's the number one. Well, when I say maintenance, it's not not just maintenance to repair it, but also just to maintain the lifestyle in a large home. So large homes are become, are trending out. It's got to be also. The interest rate has to have something to do with it. Tom, I don't know if it does, but it might, but it's been happening.

It's been happening gradually. I think utilities are in my opinion, I think interest rate. It's of course the cost. But you see they're not necessarily cutting back in cost, they're cutting back in size. Now, obviously cost has something to what I mean by that, Doc, let me clarify that per square foot it is a cheaper home obviously when it's smaller, but the quality. They still seem to be going for the quality, but not necessarily the size. And I think I think they don't cite why, but they

say there's an number of factors. I think one of the big reasons would be the cost of heating and air, I mean utilities, electricity itself, right, and obviously they say a more attainable price point. But another thing, people want to be environmentally conscious conscious and they are looking to lessen their carbon footprint. Now, honest to god, I don't know about carbon footprint. I really don't. I don't know what my carbon footprint is. I

don't know what yours is. Do people actually keep track of their carbon footprint? I mean I don't. I truly don't know how to calculate it. Nobody I know does, Tom, But I mean I imagine there are people who care, so I would like to know. I'm going to ask. I'm going to ask artificial intelligence here, how do I calculate my carbon footprint? Have you ever calculated yours mark in that big motor home that eats up diesel fuel all over the country? How do I calculate only when I'm pouring

oil directly outside and running over trees? How do I calculate my Okay, I'm asking this now. I'm asking how do I how do I calculate my carbon footprint? And I'm going to find out. Okay, there is there is a footprint calculator, There's a carbon footprint calculator, and I'm going to look it up. There's also my climate footprint calculator and carbonfootprint dot Com, all places you can get an idea. Deputy Chopper, what's going on with

you? Sir? Well? Tom, this is a personal problem. So yeah, Well you can call just like anyone, and you you actually earned the right to do that. What's going on? Well, over the last three four years, we have been hit really hard with hail and we've made two claims the safe coal. Well, yesterday I got the infamous letter we're dropping you. Oh wait, you're from your homeowners? Yes, from my home owned. What were the two claims? Yes, two claims. What

were they? Uh? It was roofs, siding, everything, paint. Yetesis took care of us. That was for Hal. What was the other claim it with Hal? Both of them were hal within how long? Probably within I think three years. We have two roofs within three years. Oh my god. Yep, you're You're a hotspot. They're getting read of you. So I was wondering, is this kind of like, uh, you know, when an old girlfriend drops you, you're done? Or is there

any record you mean, like will other girls be attracted to you? Or or you mean, can you can you force them to renew you? No, you can't, And that's what I was wondering. No, there is no force renewal that you can't or it's a company to keep you. But I think now I don't like a lot of government regulation. But I will tell you this the only industry in the world that I believe should be regulated more than any other industry. If I had to pick one, if I

had to pick, like, who should be regulated, it's insurance. Insurance is a nasty, dirty, disgusting business, and it's it's just not a good thing. It's become mandatory because we can't sustain some of these losses on our own. But in my opinion, it is an immoral industry. It is predicated on not paying justifiably for losses. It is predicated on trying to keep as much and make as much profit and screw the owners. And I hate it. But well, Tom, they didn't have any problem taking my

money for twenty three years. That's what I'm getting at. I think, I think personally that there should be some kind of legislation and requirements that if they take your money for a certain number of years, they have to take it after that for the same number of years after what would be a cancelable event. So if oh my god, I'm turning over in my soon,

don't care. I don't care, I don't care what you're doing. I'm saying that I would invest in any companies that do that, and I'm glad you wouldn't, because, first of all, I don't believe insurance companies should be publicly traded because I think that is another incentive to screw the policy holder. But they are, yeah, but not all of them, but you're

right, they are many of them. And I think that insurance companies I'm not saying it's going to happen, but I believe insurance companies of any industry should be one that is nonprofit because the profit incentive for insurance, not for other companies. For insurance is an automatic incentive not to pay just claims automatically, and it shouldn't be not in health, not in casualty. We are pulling our money together, We're pulling it, and what we should do with

that pulled money is use it to pay claims and to invest wisely. What they have been doing, though, in the insurance industry, is more than that. They're pulling other people's money together to make gross profits for themselves and to increase their prompt their stock values, and not to serve the people who pay the premiums. Now, no other companies do that. They couldn't stay in business doing it. But because insurance has become mandatory, we have fallen

for this faulted model. We would never do that with a car, We would never do that with any other product that we buy. If their incentive is to not give you everything you paid for, that is exactly opposite of let's say, the auto industry. They try to over deliver value for you. They don't try to underdeliver. Every year they look to improve. The insurance industry is the only industry that every year they look to diminish coverage.

It's the only industry that looks to do less and make more, the only one. Now there's nothing and now auto and everyone else they do want to make more. Nothing wrong with it, but they deliver more for it. The insurance industry. The insurance industry wants to deliver less and get more, the only industry that does that. Go ahead, dude, I don't want market roll over and is great. But pail damage I thought was always considered

that's not your fault. Well that's true too. They're saying, they're saying you're in a high risk area. They're not blaming you for it. But but and really, look, there is something to be said about high risk versus low risk and all that. But when you aggregate losses, okay, and you have two losses, Let's say you've had two losses and how many years you've been with them? How many years, and then you're canceled. Now, to me, that's not that's not proper. That's my opinion.

It's not proper. Again, insurance is the Ore's a lot of companies that have decided not to write anything in California. We just won't do it. I just don't have a problem with that. If they're losing money in California, they shouldn't be forced to write a policy in California. Okay, I think the company needs to make that decision. Okay, that's right. The way they're structured now, they have to make a decision. But when you

say losing money, they're not losing money. They're losing value. They're not they're not net subtracting money. They're not literally going into the red. They are in that location, arguably, I don't know they're losing. What they're losing is value and investment and profit. That's what the yeah, they did lose compared to the year previously. They're not going into the red They're not

literally going into the red. What I'm saying is the whole idea of insurance is to be aggregated, so the people the place is having losses, the places not having losses make up for it. Again, you're right the way it's structured. Now, every company has a right to say I can do business or not. What I'm saying is the entire function of the industry is too important not to be heavily regulated. Too important it is. It's just

it's it's too ubiquitous, and it's become mandatory. It's it's just a ridiculous notion. Do we need something like don't you know? No, but I think there needs to We don't need more government in any i'm talking about. No, I'm talking about a nonprofit structured company that simply does exactly the same thing except make profit. That the profit incentive when when you look at a claim, you don't say to yourself, no, we're not going to play

one hundred every claim they look at. They they never want to play. That's why they have things called adjusters. Now, I'm not saying when they become nonprofit they should play every cockamami claim or fraudulent claims again, don't go there. I am saying legitimate claims every single day are turned down by insurance or underestimated by insurance for the mere purpose of more profit. You never have

to feel sorry for insurance. They are immoral and corrupt. They have inserted themselves into our economy and have absolutely made money off the misery of others. Go with a sure thing Denver's Best roofer Excelroofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of

insurance companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine, you're a troubleshooter at three all three seven one three talk three all three seven one three eight two five five. Do you want to calculate your carbon footprint? You can, It's free. All

you have to do is put in your stuff. You tell them where you live I got one right here, and you can calculate your footprint. Then if that's not good enough, you can also offset that footprint by buying what I call guilt credits, So you can buy credits after calculating what you have done to the environment to offset it. So that's why people can have a jet because all of the pollution that they contribute to the environment they can all

set by buying. So what is a carbon offset. You can buy money that goes toward planting trees, or you can you can do something else that would be considered net positive. So for your net negative, you add a net positive. So I'm going to do a carbon footprint for me right here, right now, right now. I'm doing it right now, putting in my information as I do. It wants to know first of all, your name, your zip code, how many people in the household, and then

you hit that. Then it starts asking all about your home, your energy, what kind of gat you know, what kind you have, and how much you pay. And I can't do that while I'm talking to you. But then then after that you you put down, oh, what temperatures you use, and then what kind of lighting you have? And then do you have soul or what else you have? Then when do you do your wash? How many times a day do you use cold water or hot water?

What energy star products do you have? Then it continues transportation. It wants to know how many vehicles and how much you spend on maintenance, how much gas you use, how many miles you drive, if you have an ev blah blah blah. Again, I can't do this while I'm talking to you, but it tells you what the averages are. And then you continue to waste. What kind of waste do you have? Do you recycle and how

much do you recycle? And then it talks about that's it. Then you can calculate, and when you calculate, it comes up with a number, and then if you wish to offset it, you can offset it to make you feel less skilty. And to offset it, you pay a certain amount of money to buy these net positive, positive things for the environment. Now here's what I want to say. I really mean this. I truly believe that we should take really good care of our environment. Trust me, I

mean I really believe that. And but see, the carbon emissions versus our environment are not directly connected, but we really should try to clean up air and water as much as we can. There's nothing wrong with that. That's a wonderful thing. We should be good stewards of the environment, right, So what I'd like to know is do you personally make decisions based on that? Now? Three oh three seven one three talk three oh three seven one

three eight two five five some other stuff I want to talk about. I have some texts here. Somebody said that on a will that you don't have to have it dated. When I said you do, and I think you do now I'm actually though, I can't tell you that I got that from our attorney. So could we get one of our estate attorneys on very quickly about dating because this person who texted me doubted you had to have the original copy and that you had to have a date. Well, Tom, look

at this way. If you and I, if you and I both have copies of the will, and you say, well, your supersed's mine, I say no, no, Tom, mind superseded yours? How would you settle that without dates on the document? That's true, I mean, I mean that's I can't imagine dates not being pertinent, I would think. So, now let's talk about a matrix. We talked. I talked about this this super matrix on ranking cities the most affordable housing in the entire country if

you want to move there right now. Jonesborough, Arkansas the most affordable housing anywhere. Also next to that Bizmarck, North Dakota, and then Cedar Rapids, Iowa, Sandy Springs, Georgia. So there are a lot of affordable places to live where homes can still be purchased for one hundred grand or less? Can you believe that? Now? Brian Burns is with us from Compass Insurance Group. Brian, we were talking about insurance in general. I wanted

to ask a couple of questions when it came to companies. Are there any mutual insurance companies still around where the Yeah? Okay, sure, And that's where the policy owners they own the company. Is that right? That's right? Yep, yep, that's not that's not on the stock exchange. It can't. It doesn't have investors from the outside. Okay. So with a mutual company, when you own it and you're a policy holder who makes like, like what happens to profits? Are they put back into the company then

to make the insurance more of affordable? Yeah? I mean that's the thought process behind it. I mean, is there any because there's no one person that profits from the profit if it's mutual. If it's mutual, it's owned by the policyholders, right right, Yeah, And a lot of it can go back into reserves as well, obviously, because you have a certain amount of money you have to ers, and the more you have, the higher

the rated carrier. That kind of thing. So, now, do mutual companies act the same way as other stock publicly traded profit hungry companies like, for example, And I'm not saying they're not all profit hungry, and I don't want to talk about profit like it's evil except in insurance I think it is. But when it comes to mutual versus regular insurance companies, I don't know if you even know this or if it can be known. But do

they cancel? Do publicly traded companies have maybe lower thresholds before they cancel people. I have not seen any evidence of that. I see it. I mean, I have mutual companies that we write for, and I have, you know, stock driven companies that we write for. I don't see any difference. As a matter of fact, one of the mutual companies you write for has been the most severe as far as shutting down writing business over really a couple of years. Yeah, I mean like they were the first to

pull the plug and they have just not written anything. You know, the mutual do the mutual holders get a say in all of that since they are a voter? Well, I like, whenever you're writing up the policy, you do have an option to opt in or opt out for the voting rights, and I usually opt to everybody in just so they do it. But I doubt many people take the time out. Okay, so basically it's going to the proxied voters. That's right. Yep, that's very interesting. Give

me the eggs. I want to ask you some examples. I have to take a break, but this is a fascinating topic because I also want to ask you about being canceled and being you know, your your policies canceled for a couple claims. What's the usual criteria and can you fight that actually and get reinstated? Go with a sure thing Denver's best roofer excel roofing dot com.

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

two zero sixteen twenty two. Hi Tom Martino, You're troubleshooter three oh three seven one three talk three oh three seven one three eight two five five genesistotalexteriors dot com. Remember these people for your needs when it comes to outdoor exteriors

of your home for all of your storm damage genesistotalexteriors dot com. And speaking of that, we have an insurance guy on Brian Burns from Compass Insurance Group and Brian, it's really important to talk about this, and this is UH cancelations because people are getting canceled all over And I had a whole discussion on insurance. I'm not going to repeat right now, but I have my own thoughts on the industry. But what when usually can you almost count on being

canceled? We had deputy chopper who works with us say that he had two roofs. Did he say in three years? Yeah, two roofs. He was canceled because of held him. What do you think, Yeah, I mean, I definitely see. Here's the problem. There's not a stets stetsas.

So people will call me and say, hey, you know, I might have some hail damage, and I especially whenever I see they've had a claim in the last couple of years, I'll tell them, let's be cautious, let's make sure it's worth filing the claim before you do it, because they could be non renewed. But I've had plenty of people that have had two losses to two hale losses in the last it's a five year window.

By the way, I know that you said three and three is a factor in auto policies a lot of time, but in homes that I don't know a carrier that doesn't look at a five year loss history. So in the last five years, if you've had two losses, if you were to come to me for new business, it'd be difficult to find a preferred carrier that would take you. But if you've had three, I think you're you're pretty confident three losses in five years you should be pretty confident you'd probably be non

renewed. But even that's not a steadfast rule, so it depends on the company. Yeah and yeah, what how have they been you know what they've filed with the Department of Insurance for that state. Uh and uh, and and then it's up to sometimes things slipped through. In all honesty, I had someone, I had someone that they were going to non renew because they

had multiple lots. They had three losses and two of them were water losses, which were even considered insurance terms, even worse than hail losses of course. And uh, they were set to non renew and forgot to actually get the non renewal sent out to the customers, so they had to renew. So at this point, yeah, but when they have to renew, do they have to renew at the same premium? Well, they've already sent out the renewal, so whatever the renewal was. Oh yeah, the renewal was

already done. So they're stuck for a year. So what go Okay, so if you're canceled, let's say Jeopardy Chopper, he had two roofs in three years. That's just the way it is. He had two roofs. Yeah, okay, so he had two roofs, I guess in five years as you put it. But so right, and he's canceled now, so can I Is there an appeal process? And have you ever heard of people

being reinstated not for that kind of reason? I mean, the appeal process of come into play if let's say they're canceling because of a reason that you can prove has been fixed. In other words, they're saying that that there's damage to your sighting and you didn't get it fixed, and you can prove you can go back and appeal the non renewal and say no, no, we did get it fixed. Here's pictures, that kind of thing that that underwriting experience. No, you're not gonna have an there's not an appeal.

So let's put it this way. If an insurance company, let's put it this way. Then if insurance companies wanted to ensure you and take premiums from you for twenty years, yep, and then they decided on their own that if you have one claim, they're canceling you, would they be allowed to do that? Of course they would, is what you're saying. Yeah, you know, you can make a non renewal. Do they have the right to non renew They can't cancel mid term? Of course no. But it

seems to me a bit. It's that's where the immoral thing comes in. It seems to me crazy that a company could literally collect from you for twenty years and cancel you with one loss if they wanted to. And and again, I mean, I haven't seen anything, no, of course not. You've seen two losses. Yeah, I have seen two loss two losses. Okay, so you know you're sure it for twenty years. You get two

losses and you're gone. Now if you do the man here, let me let me do the flip side of that though, Tom, I have dealt with people that have their losses that were seven years ago and they're they've got the best rate they could possibly get out there. They're they're getting charged like someone that hadn't had losses year. So because it's only a five year loss experience, that's that's that's where they're looking at. So whenever people say I've

been I haven't had a loss in twenty years. I just had these two in the last five I get it. But you could have had five ten years ago and you're not being charged for Okay, So it goes both ways. It is a five year you know, lost period that they're looking at. Is that five laws? Is that five laws? Five year statutory? That's what everybody uses. I don't know about status story. I don't know the So we talked about mutual companies. Who are the big mutual companies that

you represent? So nationwide Safego is owned by Liberty, Mutual Acuity is a mutual I'm trying to think through who else is a mutual company here? You know, back to that que that conversation. Sometimes you can see mutual companies honestly having higher rates at times just because they're they're so basis of income is from the policyholders. They can't raise capital through you know, putting it out

to a market. There's no there's no Well, they probably could issue bonds, just not equity stocks, right yeah, I don't know about the bonds. You might be right, but I know they can't do equity stock obviously, sir. I think sometimes they can be. It's a more conservative approach, which isn't bad. I'm just telling you it can go both ways where you can also right, so well, so mutual companies don't necessarily equate to

better companies for coverage or for rates, is what you're saying. And that's just it's odd to me, but that's the way it is, right, It's just very odd to me that that's the way it is. So I don't know what we do, Brian. I've always said it's a terrible place we're in right now, and you've said, hold on one second, I'll finish up. You know, insurance is one of the biggest things we spend money on, folks,