Yeah, d News need advice, so you don't have come runcious as fast
as we can. Shooter's gonna help come. Man, this is the Troubleshooter
Show. No Tom Martino. Hey, I'm Tom Martino. Welcome to the
show. Three oh three seven one three. Talk is our number. Three
oh three seven one three eight two five five. If you have a problem,
a question, or complaint and you need help with anything, give us
a call. We got all kinds of things to talk about. And I'm
going to start out by saying that congratulations to Colorado. We are now the
third most dangerous state in the country. So I thought you'd like to hear
that. I was downtown last night the third most dangerous, the third.
I mean, think about this, think about this. It's unbelievable to me
that that I don't know, we're just we're just that bad. It's according
to US News and World Report. Now, this ranking is based on all
kinds of stuff, all kinds of stats on arrest convictions, all that,
And of course, what did Colorado do. They shifted eleven million dollars.
Well, Denver shifted eleven million dollars from the police department to community outreach,
and they decriminalized stealing cars and what else. I mean, it's just I'm
moving back to New York City. We're safer than Denver. Now did they
say that? I didn't see who who was ranked here? I guess the
ten most dangerous states in the US. Shocked the hell out of me.
I really, what do you what do you think the most dangerous state is?
Did you look it up? Don't google it? Look? Tell me
which one you think is the most dangerous? You got one, doc?
I got. I would only say Illinois because Margo Mark New York. You
know what? Now, this is US, this is US News and World
Report. This is what they say FBI stats, and it's the Okay,
here's what it is. Ready, the they you have the safest, the
unsafest, most dangerous states. New Mexico is number one, Louisiana's number two,
Colorado's number three, Arkansas for Washington state is five, Tennessee is six,
Alaska is seven. What the hell? Where are they getting these?
Says? Eight is Oregon, nine is California, ten is Missouri. Now,
these rankings are weird. Weird. Now, as far as economies go,
it's weird. The economy is not that bad in Colorado the actual economy.
So what do you think has the best economy? In course, now
this is again US News and World Report, and they did the economy based
on the well you wouldn't call it gross domestic product, but it is kind
of like it's got to be California, right Tom, The number one,
the best Florida really, yeah, number one. It has the best business
growth and employment. Idaho a is tecond to Florida. Utah is third.
Colorado comes in fourth for economy. It's a robust economy. And you know,
so there are you know, there are good and bad things about Colorado.
The weather, of course you can't be Now. The point is this
is that right now, crime is the big deal. Mark, When you
went downtown, what did you think it's by the way one area? We
were going to stop into a particular brewery down there, and I am telling
you, man, for a four block radius, there was nothing but homeless
wandering around. They look like zombies, and there was no normal people anywhere,
not one normal person anywhere. We decided to hit the bricks and go
somewhere else, a different part of town. But I'll tell you, man,
if I didn't have a concert to go see last night and one I
really wanted to see. There is no way I'd go downtown. It's a
hell hole. You know, I didn't. I don't want to start at
the show like with a with a downer. But all I'm trying to figure
out. What I'm really trying to say is is that we sucks as a
country right now. I don't know what happened. Everyone says COVID, and
then other people say Trump. You know, since twenty sixteen it was Trump's
fault. I mean, I don't know why. I mean, but I
have not heard one person in my life say it's Trump's fault for a crime.
Mark, Mark, I'm not talking about crime. I'm talking about the
country and everything. You hear it all the time. Blame I mean,
Biden even blamed him for inflation, which, by the way, now let
me tell you he's leading all the swing states, a lot of them by
over ten points. Now let's talk to Mary. Hi. Mary, By
the way, we love solving problems. And again, I don't want to
be a downer, but these are things we need to talk about. You
know why Hey talking? Yeah? So down, Tom? What's that not
a down if it's reality? Yeah? Now, hold on, both of
you. I just want to tell Mary, we'll take you right right now.
Hold on, go ahead. Mark. I'm sorry, Well we saw
George Thoorgood. I did not realize this guy's like mid seventies. I think
he's seventy four or seventy five. He's popping around on stage, killing it
on the guitar. It just remarkable. Man, A man of that age
up there doing what he's doing was just phenomenal. I just it's encouraging,
isn't it. I like that. I like to see that. I'll bet
you could do that. Tom, You're in a great shop. I here's
what I say. In ten years, I can be president. I'll be
old enough to be president. I made that joke at Mark's dad's birthday.
I said, now you're old enough to be president. That's right anyway,
So Mary, what's going on? Can you hear me? Okay? I
can, Mary, thank you? Okay. Just before you came on on
the regular news, it said doctor Jill Biden and Gay's medical information about heated
interiors of cars. She is not a medical doctor's Oh she's not right.
I know what is going on? Well, I just think you know anybody
people grab onto people grab onto credibility, issue things for credibility. I mean,
she she does have a PhD. But but you're right, I mean,
here's the deal. I don't know. I don't know. I just
want to forget that. Whoopy Goldberg wanted her to be the surgeon general too?
Are you kidding me? I am not kidding you. Whoopy Goldberg on
the View said that she wanted doctor Jill Biden to be the surgeon general.
You know, technically, do you have to be a doctor to be the
surgeon general? Do you? Technically? I don't think, for example,
you have to be a lawyer to be a Supreme Court justice. I mean
I think pretty sure you do, do you? I don't know. I
mean I don't think you have to be a lawyer to be a judge.
Look it up. I'm looking it up right now. To be on the
Supreme Court, I don't think so well. I might as a medical doctor.
I think what they should do is call people who are not medical doctors
professor, so that you differentiate them and you don't have this confusion. Yeah,
Mark, I mean doc always had that thing he was he was upset
about, and I don't blame him. Sometimes PhDs overstep, especially if they
have a PhD of nutrition, they start giving medical advice right now, listen
to this. According to Professor Bing, you do not have to be a
lawyer to be appointed to the US Supreme Court, nor do you have to
be a lawyer to be a judge. The Constitution sets no explicit requirements.
How about that, now, no age, no education or job experience.
I was in Colorado. In Colorado, you have to be the nominee has
to be a qualified elector of the state of Colorado, licensed to practice law
in Colido for at least five years? Is that to be a Is that
to be a Supreme Court? Hey? Colorado, Mark, listen to this.
The Supreme Court, according to the US Constitution, it does not require
citizenship. Wow. Well, if you think about it. They have to
be nominated by the President. Then they have to pass Congress. So I
mean, really, it's pretty hard to get there, as we all know.
So Mary make your final comment. Okay, she's gone. Okay,
let's go to Pamela. Hey, Pamela, I'm Tom Martino. What's going
on? I'm mister Martino. What's happening? I have a squatter in my
home? Oh no, yeah, do wait, wait, wait, you
really do have a squatter in your home or do you have them in a
rent to love yours? And my home is rented out? I'm sorry,
Yes, it was my rental property. He is now gone. Is that?
Oh? Is that the one that you called us that your son caught?
Oh? This is another one? Okay, yahness? May I ask
what happened? How did it happen? Okay? He was doing some work
for us, cutting our yard, and someone must you know, because it
was just my mother and I. So some handyman work. Yes, she'll
be ninety tomorrow. And what happened? So this guy's doing some handyman work?
And what happened? So he knew a lot about us information and the
people that were reading my property who got in October? So because we're Enjoygia
for medical procedures. So I had her to give him the key to my
home. Oh. Now, did he claim that he had any kind of
an agreement with you? No? How'd you get him out? Set up
a court appearance from quit via telephone? And he didn't show? Okay?
And then did you get a rent for eviction? Didn't have to do any
of that? Did he leave on his own. He's a cat. And
not only was he squatting in my home, he was trying to rent too,
yes to some people eight hundred dollars a month. I found all this
out. Oh, I remember during COVID. This happened to some friends of
mine. During COVID there were some tenants listen to this that moved out and
stopped paid rent, stopped paying rent and they couldn't be evicted, but they
moved out. Then they rented the place that they did not own that they
were getting rent free thanks to the government and COVID. They were collecting rent
on a place that they were not paying on because of COVID. Do you
remember that Mark that was the most neighbor gave I call and that happened to
him. So they were renting a place in Castle Rock, nice house,
you know, and they they weren't paying any rent for a year and a
half. And on top of that, they were renting out the basement in
a room to other people, if you can believe that, and collected money.
So fimiliar to my situation. How horrible. Now, what else do
you have going on? What you called about insurance? Yes, because with
him squatting the majority of what needs to be done is because of what he
and oh what happens thing? You know, we have never asked that question.
I think to Brian Burns, why don't we Why don't we get Compass
on because I'm gonna I have a feeling we're gonna need him. Hold on,
we'll come right back to you. All right, let's talk about this.
Anyone else with a problem, question or complain, give us a call.
That's what this show's all about. Let's kick some ass. Let's fight
for our rights. I'm Tom Martine. Don't forget waterpros dot net. The
best water systems, the lowest prices. Get water at your kitchen sink,
all the drinking water, no bottled water. Fourteen hundred dollars fully installed three
h three eight six two five five five four. Go with a sure thing
Denver's best roofer Excel roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkup, free, no obligation comparison call Compass
Insurance paying too much your coverage at dozens of insurance companies find out now three
all three seven seven one help. You'll think you're his only customer. When
you choose Frank durand the real estate man dot com to list your home with
Remax Alliance three all three nine two zero sixteen twenty two. Hey Tom Martino,
your troubleshooter three all three seven one three talk three all three seven one
three eight two five five. By the way, mark you missed yesterday.
Drew called in. He was asking about you, and that'll up to you,
man. What was he He was upset. Listen to this. His
insurance. He could not get a quote on his car from State Farm insurance.
Now he's never had State Farm before, so it's not like they knew
him. And they said we don't want you, but they not give him
a quote, and he was very upset and he's wondering why. Well,
we found out why he actually did have an issue. We ran a clue
report and he has an open pip personal injury protection here, the pip acclaim,
And what Compass told us is that they will not open a new policy
for someone who has an open claim on personal injury. So that's what happened.
And I had our signature sound for Drew. Listen, tell me if
you think this is apropos, it's perfect anyway, let's continue with pam here.
She had a squatter, she evicted the squatter, and then she has
a claim and we're trying to get compass on where do we stand on that?
Kachina And hey, Pamela, what did your insurance companies say? You
know, they called me busnit train numbers and said they've called back in a
day or two, which more than likely they did. However, I was
in the doctor's well. It doesn't matter they if you missed a call,
that doesn't negate your claim. Are they going to fix the damage or not?
They I have no idea. They have not called me. I've been
calling for two weeks, oh three or four times a day. You know,
it's very curious. If someone broke into your house and destroyed stuff,
you would have coverage. Now, now is this this is a little different.
Remember this is a state farm. We're talking about one of the worst
companies in the entire world. Oh, you know, I just I want
to ask these state farm agents right now. I want to ask them,
how do you sleep at night? I swear to God, if you call
in, I will give you the utmost respect, But tell me how you
sleep at night? Knowing you can't give people the best option in the insurance
world and you're tied to one company, and how the hell does that work.
I'd like to know that. I'd like to know how you do it.
I have been reduced to tears because do you have an agent? Do
you have? Wait? Don't they say like a good neighbor, state farm
is there? Is? That? The song? Got it? Hey,
Pam, do you have an agent? I do, and he has not.
He has not called you back. No, and the case was put
in a march sat Wait, did you call the agent? I'm not talking
about the company, not the claims, not the adjuster. Did you call
your local agent, like a good neighbor he is there or she is?
Did you call that day? Oh, you didn't call your local agent to
find out? I want to listen here. I'm going to give you some
homework. I want you to call him today telling you we're on the radio,
and I think it's atrocious. You have not even heard from anyone,
and you're looking at a bad faith lawsuit. If he doesn't get you action,
then call me back. I mean it. Okay, that's all we're
gonna do. I'm gonna give you some homework. You call your agent.
You can call me, you can call me back. Even now, let's
talk to Compass insurance that they're are expert here. They have nothing to do
with State Farm. Now they do the insurance checkup, by the way.
That means they will check to see you're not over insured, under insured,
that you're not that you're not paying too much. So, uh, let's
see who's there. Jeremy, Hey, Jeremy, listen, man with a
squatter. There's damage done that would be covered by homeowners right, okay,
I yes, that should be vandalism. Okay. And can they say in
the case of him being a handyman and she let him, she didn't let
him stay, but he just started staying there. Can they turn it around
in any way and say it was her fault for hiring him or anything.
Could they turn that into more like he should go to his insurance or you
know, with that change anything. So the handyman is the squatter, yes,
exactly, and then he's left, he has since left, Okay,
I mean it was if it was a case like a normal case where a
handyman, you know, caused a bunch of damage, right, typically you
could still go to your Oh okay, would Okay. I mean a lot
of that is on intent though, right, So that's the part with the
squatter, you know, like they're not supposed to be there. It's a
lot different than a than a tenon right, because what we yet a lot
of times with vandalism is hard living versus vandalism. Was this malicious? Did
they intend? No? No, you're I see that? What if?
What if they were a squatter? Now they left, but while squatting there,
he's just a mess. He just you know, dirty and all that.
See, when does it become discreet it to be any damage a squatter
would cause, it is intentional because they're not supposed to be there. Okay,
excellent, Yeah, hey Jeremy, how about if your house was empty
for a long period of time and a squatter kind of broke in after I
don't know, let's say it's been empty for a couple months and a squatter
breaks in and creates all kinds of damage. A lot of police these are
going to have vacancy exclusions that will kick in. Usually it's sixty days,
but it could be vary by company where they're going to exclude vandalism. So
you got to be careful on a vacant home. We're seeing a lot of
these right now where people will want to keep their policy and just kind of
ignore it and you know it's vacant, but it's always best to deal with
that and get a specific vacant home policy or a policy that's not going to
exclude that vandalism because a vacant home where squatters could come in, you certainly
could have some issues of coverage. Hey, when you said when you said
just the vandalism part, the other perils. Let's say you're not in your
house for ninety days or a half a year, whatever it is, and
forget about that. But a storm comes through and you have hail damage.
Does it not pay out for the hail damage either? Do those perils get
covered and just vandalism is not. Every company is going to have different exclusions,
So for everyone listening, make sure you check yours specifically. But the
two big ones are going to be vandalism and then issues with freezing. So
they don't want like if the home's vacant, they want to make sure you're
you know, turn your water off or keep the heat on. You can't
just ignore the home because we know, you know, if you don't win
orize it and you're not heating it that you're going to have problems. So
the idea or you know, if it's vacant or yeah, if it's vacant
at some point the you know it's going to get vandalized. So their typic
the spirit of it is to exclude damages that are very likely to happen.
But every company can write their own as far as what they want to exclude.
But typically I would say, hell would not be an issue. Okay,
thank you very much, Jeremy. Not the hal's going to happen,
so yeah, so what the hell that anyway, Jeremy. Compass Insure Group
and remember home of the free insurance checkup three oh three nine nine six nine
thousand more coming up. Go with a sure thing Denver's Best Roofer Excel Roofing
dot com. You don't pay a cent until you're content, wait time for
an insurance checkup free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find out now three oh three
seven seven to one help. You'll think you're his 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 one three talks seven one three eight two five
five shoe canos with us My Money, Myway dot com three oh three seven
of a nine sixty six hundred. He's one of our financial extors we talked
to, a certified financial planner. Talks about retirement and talks about fixed indexed
annuities. He's got like fifty seven of them, and he also does overfunding
of life insurance. And in my opinion, that's kind of like, well,
I don't I hesitate to call it an an annuity, but it's a
way to raise to have income tax free, and it's also a way to
grow tax free. And for those who maybe don't have a giant lump sum,
it's an excellent product. And it's a trick that a lot of people
do. They purposely overfund life beguers now, Joe, I know you want
to talk about both, but can we talk about the life insurance product?
Are you still doing that? Okay, I'm going to go to Justin now.
Justin is online one, he has an employment issue? Justin what's going
on with you? Hello? Justin I We'll talk to Joe later. Justin
what's happening? Yeah? I just had some employment issues and soon where I
can go? I mean that work for I'd rather not give you the name,
but it's a pretty big, well known company anyway. They treat certain
employees different depending on what department you're in. Yeah, what's going on?
Manufacturing? And they're not wanting to give us half hour breaks? They're telling
us that they're paid now. Now hold on, So this is a regular
w two hourly position? Is that right? Correct? And you're supposed to
get a half hour break every four hours? Is that how it works?
I'm not exactly sure. I know that you're supposed to get one and then
you know, like a ten or fifteen something anyoney of it? What kind
of employment? What? Wait? What kind of employment is it? It's
manufacturing? Okay? Can you give me an idea without giving me the company,
like like an assembly line or what? Just help me out here.
We manufacture products, okay? You managed? Like? Is so you're in
a shop right with other workers and you're all sitting there and you all start
at a certain time and it's piece work, is it? Is it like
piece work running machinery? Okay? Got it? Now tell me how tell
me? I need to know a few things here, because there are circumstances
where that could change. So you start at what time generally around six o'clock
okay, and then you work till when when is your day over two o'clock
okay? So it's exactly at two o'clock seven eight, yeah, eleven,
twelve, one two, So that's eight hours. So what they're doing is
they're letting you work the eight hours because if they add the brakes, do
you understand that, like if they add an lunch hower, you'd be there
nine hours. Right? Do you take a lunch hour? They don't give
it to us, right, because they're they're doing for pay us for eight
hours and we're there for eight hours. That's exactly, that's right. That's
what I was getting at now. Whether or not that's because hold on,
if they add time for your breaks and stuff, you know, it just
goes on the back of your day, right, They don't have time.
They just pay you the exact No, no, bro, bro, I'm
not saying that. I here's what I'm saying, let's say you make one
hundred dollars for the day. I mean, I don't know what it is.
Let's just use that figure. Now, you're there for eight hours,
you make one hundred bucks. Let's say, or make it easy, you
know, whatever figure you want. Now that's for eight hours. If they
add a lunch hour, they don't pay you for it. So you'd be
there nine hours and still make the hundred bucks. Right, but it wouldn't
be an hour and be a half a hour. Okay, well either one.
What I'm saying is but some workers would rather have that break, right,
And is that the way you feel? You don't care if you're there,
say two thirty, as long as in the middle you get a break,
get some sort of break. No, I get what you're saying.
Yeah, yeah, and there's nothing wrong with that. Why don't they do
that? Then? I mean, you're not asking for extra money, you're
asking to take a break. Yeah, And I don't know. They just
tell us if you want it, you need to clock out. And then
even if we need to go to the bathroom, you can't stop the machine.
Oh wait a minute, Wait a minute, wait, wait a minute.
They're telling you you're there eight hours straight with no breaks. You're supposed
to get a thirty minute unpaid meal break for every you're not allowed that they're
breaking the law. Okay, no matter what, even if even if they
I mean, what I'm saying is they're not breaking the wall. They're still
paying you for time work. But you're not supposed to work more than five
hours straight, right, right, And even if we need to go to
the bathroom, you used to be you could hold the machine and go.
Every four hours is a ten minute break, right, And we don't get
that. I mean, like I said, even if we need to go
to the bathroom, we just to be able to hold the machines. Now
they're telling us, nope, you need to come find a supervisor to cover
you. Well, okay, hold on, hold on, Like wow,
that's weird, that's weird. Yeah, it's getting pretty bad. I've been
there for a very long time, and within the last couple of years.
It's just from what I'm from what I'm reading about the law, they're doing
it wrong. But now what I mean, in other words, how many
workers are there? Quite a few, and everybody's about set up with it,
and nobody it seems to me it's no skin off their back for doing
it. Now, Now, did they say, if you want to break,
you can take the break. You you clock out and take the break.
Yeah, then at that point, then you lose that eight hours and
you don't get paid eight hours. Wait a minute, you lose it?
You mean you lose the thirty minutes of the eight hours. You lose the
thirty minutes. Yeah, you don't get eight hours for that day. I
understand how they are allowed to do They are allowed to do that. In
other words, if they're saying you can take thirty minutes unpaid, and now
we're so you're only going to be paid seven and a half hours, they
can do that ten the ten minute rest breaks from other jobs they're giving us
those, Yeah, the ten minutes aren't subtracted from pay. You're right now,
correct the ten minutes. Listen, no matter what. Okay, let's
let's just conclude whatever they're doing, they're not doing it one hundred percent correct.
So I mean, I'm with you on that. The problem is what
do we do about this? In other words, I'm thinking, what does
it get you in the end? Wait, great a second, I'm a
little confused. If they're getting the ten minute rest breaks. They're not four
hours or not. We're not We're not getting anything. We're straight eight hours.
Yesterday I left without a single meal all day. But let me let
me put you. But you can clock out for lunch if you want,
right, Yes, if you get prission and somebody's able to cover you,
yes, Okay, Well, I mean yeah, I read here, but
I'm not sure that's you know, what, do we have any labor?
God, we don't have labor at anymore, never have. It's the most
difficult area of law because waged workers can't afford attorneys, and attorneys don't get
clients. I mean, okay, I mean they're kind of like, man,
we wish this place, we could turn it into a union. I
mean, hold on a second. By the way, you can do that,
but hold on a second. I think there is something you can do
as a group and it won't get you in trouble. But I got to
take a break. Hold on three oh three seven, one, three eight
two five five. Go with a sure thing Denver's best roofer excel roofing dot
com. You don't pay a cent until you're content. Time for an insurance
check up free no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now three oh three seven seven
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 one three talk three O three seven one three eight two five five.
Welcome to the show. Okay, so we are here to solve your
problems. We hope justin. But here's what I think you need to do.
You need to call wage an hour. These are good people and they
will enforce it. I think they'll keep you anonymous or you go as a
What they might do is shift your shift, your your hours. They may
just start, you know, it's from six to three. They give you
the half hour, or excuse me, six to two thirty. They give
you the half hour, and then they're going to have to implement. Now,
Mark was asking, and I know what he was I think I know
what he was going to ask about the ten minute break every four hours.
What happens at lunch. What happens is you work four hours, you can
take a ten minute break, and then the next four hours you would take
a lunch. Is the way it would work. But in some cases where
people work overtime and stuff, that's where the extra ten minutes would come in.
So no, no matter what, they got to do something. So
how do you guys get a different way job? Man, If you're so
unhappy with them, go find something else. Oh yeah, I've been looking.
Yeah, I've been looking. But Mark, don't you really think seriously
that he's got a good case. I mean, in in liother words,
that this man I had fifty I had fifty employees hit to Good Years store,
and not one time did any employee I have over the years go,
hey, we didn't get to take our break. I just never even heard
of such an issue. Yeah, but when different kind of work, Mark,
it's a different kind of work. They're they're not doing piecemeal on a
bench or on a on a drill press or on a machine that they were
like doing cars and they could get a cup of coffee and they you know
what I cou Yeah, I think that's a whole different thing. Really,
if you think about it one time in my life, and I think it
was a reason for some of my success and and and monoicums, you know,
a moderistic success as far as a life. But I just loved having
the experience when I worked at a factory. I worked at a factory after
school for about a year and and it was terrible the factory work. And
I know what he's talking about. When you do piecemeal, those breaks mean
a lot. So justin that's what I would do. I mean, I
I I really it's the only solution. Go with a sure thing Denver's 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 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 d News. You needed that
who you don't have? Run anxious stas as we can Shooter's gonna help come.
Sixth is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino
here, Welcome to the show. Three oh three seven one three We talk
three all three seven one three eight two five five. What's on your mind
today? How can we help you? We have all kinds of things to
talk about. Waterpros dot net will get you the best water systems at the
lowest prices, whole house systems to get rid of, heavy metals to get
rid of and by the way, that not just minerals they call them,
but heavy metals and other crap in your water, plastics and all of that.
About three grand a little more than three grand NY thirty four three five
hundred for the full monty. I mean, you can get drinking water systems
for fourteen hundred, just that the kitchen sink. It's just remarkable what you
can do with this remarkable water three all three eight six two five, five
five four. You will pay five six times more if you go to a
regular plumbing contractor for this stuff. Waterpros dot net. Hey Joe Kanos with
us My money, myway dot com. Last hour, I asked them about
alternatives for people other than the stock market, although as I said, we're
not recommending you do all of one thing ever, But when it comes to
a lump sum, a fixed indexed annuity can get that lump sum growing with
a guarantee not to lose. It can also give you a guaranteed income for
life. And when it comes to other things, overfunding life insurance we talked
about now. Joe introduced me to this many many many years ago, where
you buy life insurance and you overfund it on purpose. And the purpose is
not really the life benefit, although the death benefit although it does help.
The real purpose is to accumulate tax for earnings and then you start drawing it
out as policy loans and it does create kind of a tax free income.
Now it's not an annuity, but it still has the same protections. I
mean, you're not going to lose, right, Joe, that is right.
You know, Tom de life insurance policy is guaranteed and tax free.
And people today, you know, they're tired of a couple of things.
They're tired of paying high income taxes and also they are tired of losing money
in the stock market and also finance charges. Look at mortgages. You know
they're seven percent or more now. So the key is this life insurance policy.
You can put money in and a gross tax deferred, and then you
can take the money out income tax free. Think about that, income tax
free, so they can do their own financing. The name of the strategy
is called become the banker, because you and essence become your own banker.
I have done it myself. Was on Jordan. He'll be in, he'll
be at the studio year later. But I mean you can ask him about
it. He got his first car and he financed it through his life insurance
policy. He paid that off to the life insurance and that he bought several
other things. It's a fantastic strategy, totally different than the annuity life You
know, they become the bankor policy is for today's needs. People need it
today to finance or purchases. The annuity is for retirement. Yeah, and
and and so can the UH. Like I said, the overfunding of life
insurance can help finance purchases. You pay it back with interest, you grow
even more money, and that can be used in retirement too. I mean,
let's face it, Joe, a lot of people don't have enough to
put in an annuity. That would make a difference, is what I'm thinking.
Now, I'm not I'm not saying you know so, so this to
me is like a poor man's annuity, and I don't even want poor man's
it's it's it's a good tool. And that's really what I love about it
is that anyone can do it. Absolutely anyone agree. I agree. I
mean, anybody can do it. They just have to be in good health.
That's the main thing. Oh yeah, okay, that's a good point.
That's a really good point. Right to qualify for the life insurance with
the reality there's no qualification at all. Okay, listen, what do you
think about the uh what do you think about the ideas that people have about
you know, like you hear all the time people talking about the stock market,
day trading, they talk about all kinds of How about real estate?
And there's a guy who, by the way, I trust him. He's
a good guy. Locally, he advertises they're not real estate trust, but
he teaches you how to get involved in real estate where you buy and rent
out places. And there's a management company that takes care of before you and
all that. Everyone but they all try to have one thing in common.
They're trying to invest your money right, or get you to invest your money
right. So tell me, seriously, now, what is the difference with
what you're doing with the fixed indextinity or the life insurance. I would say
the biggest difference is one hundred percent safety. That's what I would say that
that is right. I mean, you know, it's amazing that you mentioned
this right now, because I just met a couple yesterday. You know,
they're in their fifties and they're making a good income, but you know they're
highly, highly worried about the stock market accounts that they have. They told
me, you know, I'm we're in our fifties right now. We're going
to start thinking, you know, maybe in about ten years or twelve years,
I'm going to be retiring. I want to keep my pool of money
that I have built up on my four to one case and I erase totally
safe. I don't want to play the stock market anymore. I've seen it
go up and down. I mean, look that up in in two thousand
and eight. I mean, people lost a lot of money. So the
biggest concern that people have that I'm seeing right now is the ability to keep
their money safe. So you're absolutely right. Safety. Safety is the key
to the annuity. You can grow your money with safety, and then,
just like the couple that we met, they want to have a guaranteed income
for the rest of their lives. This is what people really want to guaranteed
income. Thank you, Joe. I'll be back to you. If anyone
has any questions, give us a call. You know, let me just
say something about Joe as a certified financial prayer. I'm serious. You can
ask them about other things too, not just about this stuff. If you
have any questions about financial planning for your family. Hey, Doug, what's
going on with you? Hi? Doug, Hey, how you doing today?
Good man? What's going on with you? Yeah? I called in
while just trying to find initially find a if you had an attorney that might
be able to help me out with this. What's going on with is a
lot of times people think they need an attorney. We're able to help.
I'm not saying you don't, but what is this situation? What is the
situation? Sir? I have a F two fifty diesel truck that inadvertently had
unleaded gas put in the tank. How was it in? Who put the
gas in there I did. I was doing a dozen different things. And
as soon as I knew it, And so what did you? How much
did you put in? All? Probably about twenty twenty gallons fifteen gallons of
what exactly what kind of gas? Unloaded? Okay? And what I mean
what octanes? You know? Eighty seven properly okay? So so tell me
did you what did you do after that? Did you drive it? It
was in a fuel line of pumps, so I turned it on. I
drove it about a hundred feet. That was probably turned on. So you
didn't realize you did it until you didn't realize you did it right away,
then until after you drove a hundred feet. In other words, you didn't
pump it. I pumped it in and realized, Hey, I just put
an unloaded in my diesel and I have to get it out of the way
of the pump. Got it? And oh okay? So you drove it
about one hundred feet and then what happened? And then I had it towed
to a shop? Okay? And what happened then? Help me and my
son son act went with the toe down to the shop. And what what
year truck is this? So twenty thirteen. Okay, and so tell me
about what's going on. Now. Why do you think you need an attorney?
Well, we dropped it thinking that we need the uh can't dropped,
U drained, thrushed, Yeah, fuel you know a couple of things in
fuel line and yeah fuel pump. Uh Huh. So I didn't hear anything
for five days. Okay, So you dropped it off, didn't now when
you dropped it off? My son dropped it off for me. Okay,
did you ask for an estimate? Uh? No, we just uh you
just said that, Hey, this is the situation. We didn't need the
can't drop, drained, flushed? Uh. And what's the name of the
shan It's called uh v R Auto or VR Truck and Auto Repair. How'd
you find them? My son's used them before. Okay, Okay, so
hold on a second. We'll come back to you. I want to I
want to know what's going on with it. And it was there for five
days. We'll come back to you. I'm Tom Martino, and I hope
it's not a real serious issue. Well, I don't know. Hang on
more. Right after this, go with a sure thing Denver's best roofer Excel
roofing dot com. You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three all
three seven seven to one. Help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com to list your home with
Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino
here, let's go to the phones and help you. Hey, listen,
Doug. He had his truck taken into DNR. Thinks I already said DNR
right, yeah, And it was for having unleaded gasoline in his diesel tank.
So he took it in to be dropped and drained. What's going on
now, Doug? What's happening? It was there five days then? What?
Well? I hadn't heard anything, so I called and find out what
was going on. I thought maybe they were waiting on part or something.
Uh. And I talked to Rick and he said that, uh, that
that he had already started to work, and he assumed I wanted it done.
Something was dropped there and I said, well, well, usually when
you drop a car there, it does give permission to do the work usually,
right right, okay, I mean by the by the Colorado or a
repair Act, it's assumed you want work done when you drop it off.
You're not allowed to drop it off, okay. But but also under the
Colorado Repair Act, they're supposed to give you an essay. So what happened?
So he soon I wanted it done with giving me an estimate, and
he had already started it. I said, where are we at now?
And he said, twelve nine dollars. No, wait a minute, wait
a minute, wait a minute, what do you mean twelve thousand? What
do you mean? Yeah? Oh no, no, no, no,
no, no, come on, come on, How the hell, How
the hell do they spend twelve thousand dollars of your money? Well, apparently,
what they did they dropped the tank and they replaced everything new, from
the tank to the fuel injectors. But who said that had to be done.
Nobody said it had to be done. They just did it. No,
no, no, man, this is unconscionable. This I would say
if it was going to be a squabble over a few hundred bucks twelve thousand
dollars and he hadn't gone to the hadn't yet put on a fuel rails and
the injectors yet. So I'm probably going to be looking at a fourteen thousand
dollars bill. Oh no, you're not, man, I can't believe.
Honest to god, this is weird. No, listen, okay. I
mean my question is basically, yes, I wanted to tank dropped. I
wanted it taken care of. I wanted a new tuel. Let me ask
you some did a trow truck drop it off? Yes? Was it after
hours? Yes? Damn it? You know what, I'd have to double
chip that with my son because yeah, but you did your son talk to
any hold on? Hold on man? If it was dropped there after hours?
Did anyone call him or did he talk to your son? He's only
talked to my son. Uh, And I told him I never received a
call from him. I've never been to the shop. I'm not asking that.
I'm asking one thing. Only did he talk to someone? Did your
son go and talk to him? Yes? Okay, here's a few things
I want to get straight with you, because you're thinking he needed to do
certain things. When you drop a truck off or a car after hours at
a repair shop. You are basically opening yourself up. You are saying,
fix my truck. Okay, that's what you're saying. Like it or not,
it's been decided in the courts before. That's what you're saying. However,
however, I'm not sure that allows them to get by the estimate.
They may not have to give you a written estimate, but I'm pretty damn
well sure they should call you for a verbal and an okay correct? Oh
my god, So what did the guy say? What did you say to
the guy? Did you say, what are you kidding me? I just
said what And he said I was like to say, what twelve thousand dollars?
And he goes, yeah, it's a forty hour job? And well,
well no, did you say that's Come on? This sounds crazy?
Doc? Doc? Or is doc? There? Are you listening to?
Doc? I can't believe you. You got to call this shop, but
first let me look up the auto Repair Act. We got to look up
a repair act, my god in heaven. And I actually did turn it
into my insurance company and they actually said that they would cover it under my
comp insurance. What wait a minute, they're gonna cover your stupid mistake.
Surprise me. But they said all I needed was fourteen hundred dollars worth of
work to get it back on the road. Oh, so they're gonna pay,
and you know what, they're probably right now. Listen, I just
looked up the Auto Repair Act. A repair facility cannot proceed with repairs without
written consent of the owner, which includes estimate of repairs. Now, I
think there's a difference. Now, here's the exception for vehicles that are towed
in or left after business hours. In such cases, the repair facility is
allowed to perform work up to one one hundred dollars for parts and labor without
the owner's consent. For any repairs exceeding this amount, the facility must obtain
oral or written consent, so they're not required to give you a written estimate.
If it's dropped off before or after hours, however, they must still
get you an estimate and get repairs. They can't win this now, Doc,
Doc, I'm gonna send this to you, Okay, I want you
to call them. I'm gonna text this to you, Doc. Jeff.
We've got Jeff. Okay, we can get Jeff. But I mean,
as far as calling and stuff, I want to I want duck so I
want to bring Jeff up. Jeff vic Kimera transmission. Jeff, are you
there, I'm here, Okay, these listen to this. He dropped his
car off. I mean, this is crazy. He dropped his far off,
and I just I can't believe it. They charged his truck was filled
with gasoline instead of diesel. He had it towed there and dropped it off
after hours. He calls back five days later and they say, oh,
we're already almost done with repairs. It's going to be like twelve grand so
far, twelve thousand dollars Jeff. Now, under the Auto Repair Act,
they don't have to give him a written estimate if it was done, if
it was dropped off after hours. However, they still have to get his
consent if it's going to be more than one hundred bucks. Are you aware
of that, Jeff or not? Yeah? Yeah. If it's towed in,
or if it's brought in outside of normal business hours, then there's an
automatic consent for the small amouth something like one hundred and twenty five hundred.
That's right, that's right, it's one hundred plus you're right plus ten percent
or twenty percent something like that, or twenty five you're absolutely right. Then
what then you got to at least call the guy and give them an estimate,
right, Yeah, they don't have to be in person. You can
document it on the tip as far as who you talk to, what time
of day, what phone number you used, or if it was done by
facts or email or whatever the case may be. And then who was to
talk to him, and what you talk to them about, and the actual
price. My god, this is so what's the recourse? What's the recourse?
He can't charge them, that's what the recourse is. He can't charge
him. He has to refund thirteen thousand dollars. Basically, well, he
doesn't have to refund. You didn't pay it yet, did you, sir?
No, I was trying to figure out what my options were. Well,
you know, but here's where I look at it. Doc, doc,
it's their problem. Okay, it's their problem right now, call them.
It's their frick problem. I don't care what they say. It's the
law. And he can go and listen you take in the court, but
you may have to get an attorney now because these guys, these guys are
overboard. They're overboard. I mean, I don't care who that. They're
overboard totally. They don't just get to start doing this, and you know
I don't. I've never heard of this place before. Where are they forty
one South Federal? Hey, Tom, do they still have his car?
Yes? They still have my car. I was going to go try to
pick it up today. And unfortunately I'm going to have to put that of
fourteen thousand dollars on my credit card because I don't have that. Hey,
listen, they're not going to let you as soon as you bring this up.
Okay, you we need to call. Do you want us to call
them or not? Because I'll swear to God if they're doing you wrong.
Well, the problem is I don't want them to hold his car hostage.
That's that's the whole thing is. I think what I need to do is
go ahead, go down, pay the pay the bill, get my vehicle,
and then go from there and then Cassidy and then you can contest a
charge. Yeah. Now, Mark just texted. Mark just texted and said
he thinks there's no way. You know what I can do? I can
call Mark on my I can call Mark on Google boys. But I'm going
to take this break. Man. Are you sure, Doug your son did
not hear from them at all? They have had contact with my son.
Okay, hold on, hold on, don't ever tell me. Listen,
he was your agent as far as I'm concerned, he was your agent,
and if he gave them any indication to do work, you're screwed. Hold
On, We'll come right back to you with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay a cent until you're content. Time
for an insurance checkup free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three O
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino
here, let me bring up my colleague here, Major Mark, Major,
Hey Mark, did you hear that game? Did you hear that guy say?
Yeah? I texted you there's no way this shop. First of all,
how did they even know what to look at. This is what I
heard. The tow truck dropped it off at night. And then the next
communication was there's a twelve thousand dollars bill. Find it impot right now,
let's talk to and by the way, just so people know, you do
consent to repairs when you drop a truck or a car off before or after
ours. However, the shop must still if it's going to be more than
like one hundred and twenty five bucks, they must still get you some consent
from you, whether oral you know, verbal consent I mean, or written
consent. Now, we used to have for the people that dropped off in
the middle of the night, not necessarily a tow truck, but we would
have these envelopes. You put your keys in and you would fill out what
work you wanted done. You could put in a dollar amount in check a
box and then you would drop it in our key drop. So, I
mean, I find it impossible this shop just did twelve grande. Now,
Doug, here's what I want to know. After it was dropped off by
a tow truck after hours. What was the very next communication, Doug.
Well, since my son is an agent, I think I'm screwed because I
just got off the phone when I was on hold, and the para shops
said they have to order a kit that is designed specifically for this, and
they ordered that kit. What does that have to do with your son being
an agent? Your son? If your son told them to proceed, tell
me what happened, because they can't be blamed for that. What happened?
Did your son tell them to proceed? Proceed with ordering the necessary parts to
get it done? So? Yeah, but they still have to give them
a price, did you know? I mean, if he authorized it and
said just fix it, order the parts, I mean, that's authorization,
now, Doug, Doug, I guess that could be. I didn't parson
into the law that much. I guess that could be. You're supposed to
get an estimate though market. That's what the law says, even if not
in writing, you should get it. But then it says verbal consent.
So this is a screw job. Doug. Did you talk to your son?
I did. I just got off the phone with him. Oh,
I thought you said. You just got off the phone with the shop.
So your son said he gave them permission to order the parts. Is that
right? That's correct and in order. Wouldn't hold on though, come on,
it wouldn't be permission to who the hell brings it to a shop and
gives permission to order the parts. Only he gave permission to fix the vehicle.
That my assumption. Now as well, I didn't know, Well,
of course it is. I mean, come on, if someone if someone
I call up and say this is wrong with your car and we need to
order the parts. You want to get it fixed, and they say,
yeah, order the parts, get it fixed. Now, hell, that's
his consent as it gets. Now let's let's consider this mark. Okay,
let's say they did nothing wrong under the Auto Repair Act. Now let's ask
about the repair itself. That doesn't give them a license. I'm not saying
they did, but it doesn't give them a license to cheat. Now,
if it ruined that, if it ruined that engine, twelve grand on a
diesel, that's probably right in there. Man, Well what did they do
for twelve grand? That's what I want to know. Or you say they
have to go another couple grand, it's going to be fourteen? What did
they do for it? What they have completed? And my assurance suggessor said,
it looks looks like a great job. The fuel tank all the way
to this. Why, here's what I'm asking you. Did it have to
be done? To my knowledge and an adjuster's knowledge, says, running it
for that short period of time, the fuel contamination probably didn't even get to
the fuel rail, So no, it did not have to be done.
Jeff Vic you have some comments from Kimmeer Transmission. By the way, one
of our experts. Go ahead, Jeff. I just had a question about
the sun because he can't legally all authorise if he's not eighteen or older?
Is he? Is he a minor? He's older, he is an adult?
Okay, Jeff? Does it sound that Jeff, if someone took a
truck into you and it had unletted fuel put in it, can you fathom
spending this is that two fifty diesel twenty thirteen? How many miles on a
DOUG? I think one hundred and sixteen thousand, can one hundred and one
to one six? Can you fathom spending twelve grand on it? Jeff?
It could get up there for sure. Yeah. The GAFF can do a
lot of damage and a very short amount of time. All right, You
know, if the company listen if this auto shop, unless if they're outright
thieves, I mean, even if they're a little high priced. I mean,
I don't think they're extraordinary from what I'm hearing. But you would have
had to fix it anyhow. I mean, what's the difference here? What
were you going to do if you brought it somewhere else. Let's say they
did call you and your son didn't authorize it. What would you say,
Oh, just keep the truck or where would you have done with this?
Maybe got another got another estimate. I'll wait till the adjust adjuster gets out
there and take before you do any work, because I have to say.
The adjuster said they could have got it back on the road for about fourteen
hundred. I that's I don't know what they did. He say what they
would so subjective. Yeah, that's an adjuster, that's not attack. That's
so subjective. But but in fact the guy's an ass for saying that,
Well, that's what the estimate from all? Jeff or Jeff Okay, did
the adjuster itemize what would have been done for fourteen hundred? Yes? What
did he say? Replace? Am filter element replace? And then brings all
a few pump as Lie pair and replace, or do the fuel tank,
fuel pump plus the fuel pumps, clean the fuel tank plus. Okay,
so Jeff, does it sound like it could have been done for fourteen hundred?
For fourteen hundred, I found a little low. But that's the far
cry from twelve thousand. From what I meant. There could have been somewhere
in the but that stuff, that stuff he just named, Jeff, wouldn't
you someone comes in and says, hey, we put gas in our diesel.
I mean, wouldn't that be the minimum where you have to start everything
they said? And then as you're doing that stuff you would find out other
damage. Yeah, that's what I'm saying. So what who cares what this
adjuster said? If he didn't tear it down, he didn't find the other
issues. Here's what we need to do. Well, first of all,
you should pay for it and get it out of there, and then have
it analyzed. I mean, why you can't have an anlyes. Everything's removed,
everything's replaced. Yeah, everything's going well. Maybe they still have some
of those parts. I don't know. I don't think there's cores on a
fuel rail or anything. And here's the other thing. Tell your kid to
start mowing lawns. Did you Well, his kid didn't do it? Did
he? Oh? Who did it? I accolutely put it in, So
here's who did Yeah he did, but run out fifteen twenty seconds? Would
the gas get Jeff? If he ran it for fifteen or twenty seconds,
let's you even say a minute, would that happen? I mean that fuel
goes through their fast, right, Jeff goes through there very quickly. Yeah.
Only about a third of what's going up to the fuel rails going into
the engine. About two thirds go back to the fuel tank's cooling. Yeah,
so fifteen twenty seconds are running, Jeff? What would have happened if
he just drained What if it would have happened on his own if he would
have just drained it and filled it up with diesel? What would have happened
in reality? Really after running rough for a few miles? What it wouldn't
have ruined the engine? Would it? Well, you have incomplete combustion because
you don't have a sparkbook, So yeah, you can definitely ruin an engine.
Oh really, all right, listen, but Jeff, thank you?
By camera transmission the website Transmissions Denver dot Com three oh three six nine three
fourteen hundred. Any last words there, Steve because I mean not Steve,
Doug because I feel really bad for you. But once you said my son
was the considered the agent, well, now listen, I'm not going to
give you legal advice, but here's the point. You need to check with
someone. But I'm pretty sure that if it was dropped off and you gave
your son authority to do it, and your son told them to pursue Seed,
it would be damn near hard to say that you know they violated anything.
I mean, don't just think common just think common sense. What is
every repair shop gonna have to track down the owner, not just track it
down or for all they that's exactly right, for all they knew he was
the owner, and then they have an action against your son. I mean,
the whole thing would get messy, Doug. If they did the work
and quality work he've said, Look, price can get up there. I
don't know, man, the worst worst case scenario. You have something that
works. Now, I'm Tom Martinez. We have more coming up. Three
oh three seven one three talks seven one three eight two five five Go with
a sure thing Denver's Best Roofer Excel roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up free, no obligation.
Comparison call Compass Insurance paying too much your coverage at dozens of insurance companies
find out now three all three seven seven to one help. You'll think you're
his only customer when you choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three all three nine two zero sixteen twenty two.
Yeah, Ritt News need advice? Who you don't have? Come runxious
as fast as you can. Shooter's gonna help. Come man, This is
the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome
to the show. This hour brought to you by eight eight eight Heating dot
Com, which is also eight eight eight heating, plumbing, cooling, an
electric. And by the way, they have right now a twenty eight dollars
risk free service fee twenty eight bucks. They'll service anything in your one time
one item like for example, water heater which includes a flush, or they'll
do a toilet, or they'll do your furnace, or they will do something
for twenty eight bucks. And if you need any repairs beyond that, beyond
a normal service, they credit you the twenty eight bucks risk free service fee
eight eight eight heating dot Com. The number is easy to remember. It's
three oh three seven seven zero two seven seven six eight eight eight Heating dot
Com. So I want to talk to Steve real quick. He wanted to
give an example of some success he had with an annuity. You know,
we talk often about this fixed index annuity. Jordan's with us too, he
deals with them along with his father Joe. But I always like real life
experiences, Steve. What was your situation? This is a real life situation,
Steve. Go ahead, Hi job, Thank you. So Steve,
do you did you have a lump sum in retirement or did you contribute to
an annuity? How did you come about an annuity? Well, I retired
from the Boulder Valley School District in twenty sixteen. I had a modest investment
with Voya initially and with Empower later. The modest investment was about sixty eight
thousand dollars. And was that in a four to oh one K or what
what kind of investment? Was it? Four oh one K and a four
fifty seven? Got it? And it grew over the years up until COVID.
It grew from about sixty eight grand to ninety two grand. Okay,
after COVID hit I in the past three years or so, I lost twenty
four thousand dollars. Oh my god, it was It was not on me
because I'm not smart enough to manage the investment, and so Empower and Boya
managed it for me. But I ended up losing twenty four grand. And
I listened to you every day of the week, and I've learned so much,
thank you and thank you Steve. So I thought, well, why
not talk to Joe. Yeah, And so Joe sold me an annuity with
what I had left from ninety two down to sixty eight thousand dollars. And
I got an annuity of darn near seven hundred dollars a month until I'm dead,
no matter how long I live. Is that wonderful? And you got
and did you get? Also on top of that, did you get a
bonus going in I'm not sure whether that was included in the ash burial or
not. And it's something I've been meaning to ask. Hey, let's ask
Jordan. Jordan, was there a bonus when he went into that? To
make up for some of that loss he had. Typically there always is.
But did you turn it on immediately the nuity? Oh yes, rather than
wait a year. Yeah, good, yep, that's beautiful. So I
turned it on immediately. And how old are you right now, Steve ibbab
seventy eight in July seventy eight. And here's the good part about this.
You have a guaranteed income and if there's any money left, it goes to
your heirs and you can't lose a dime. Correct. Yeah, it's great,
No, no, it really is. You You typify a great exemple.
You had a very important nest egg and it grew and then all then
you lost everything it grew from. You know, you know, all that
growth you lost. So you said enough of this madness, you know.
Yeah, I want to see thank you yep. And I and I did
not want to have to go back to work. Yeah, well, thank
you, by the way, and thank you for everything you've done as a
teacher too. Listen, here's what I want to say that this is a
great example. You see the stock market, they were investing money and they
made some money for this guy, and then it went right back to where
it was now here's the deal. The stock market is not a bad thing.
It can be done conservatively safely. It can make money, it can
outpace inflation. It can. But once if you get your money, you
can't depend on it for retirement. The lump sum doesn't stay a lump sum.
And and that's what I'm getting at, is that, sure a fixed
indextinuity has you know, once you do it, it's it's it starts growing
at its own rate, and then you have the guarantees and all that.
And sure you could make a hit in the stock market that would be bigger,
and then you can lose it, and then you can make more,
and then you can invest in other things. But as you get older,
that volatility you don't want. Jordan, Isn't that how you would put it?
That's exact. Yeah, that's exactly how I'd put it. It's I
always say it's a great way to earn interest, just like a stairway effect.
You're gonna go up when the market's up, get the interest, but
the mark comes down and crashes. With these accounts, it locks in.
You can't go lower and go negative, just like Steve refer to in that
previous annuity. So you're your spot on the This is a great way to
grow money, give you income for the rest of your life, and on
top of that long term care. Yeah. And I don't mind people if
they're in the stock market as they as they're younger middle age or even getting
upper upper middle age. But at some point what you should do is harvest
some of the gain and preserve it, and then if you want to still
continue to invest, fine, you know That's what I did, Jordan.
I I took a lump sum out of my four oh one k, but
continued my four oh one k. I mean, and it's in the stock
market. I mean, what you don't want to do is put everything at
risk in the stock market. And that's the whole point. Hey, anyway,
can I give an example? Yes, go ahead, you go ahead,
Doc. I did a lump sum and I got to guaranteed UH income
with a minimum of three percent every year. So on the minimum of three
percent growth is what you're saying cost of living, right minimum? So yeah,
on the on the adversary of my purchase, it's the stock market.
If the market goes up up more than three percent, I get whatever the
market went up. If the market saved the same or went down. I
get to three percent, no matter what, you know, that's a good
option. What is that called, Jordan, What is that called? Cost
of living? Yeah? Usually it's like a like the income writer. It
allows to step up. So some of them called income writers, some of
it just call you know, like roll up, you know, and so
it's just a great way that he just like docs saying, there is just
a great way to allow your money to continue to grow. Here. Paycheck's
better for the future, whether it's inflation or just like you said, cost
of living increase here in Colorado especially, Yeah, thank you. Three h
three seven one three talk seven one three two five five. Jay's got to
comment on that gas diesel issue. This guy had a truck and he puts
some gasoline in the in the tank instead of diesel. He drove he said,
one hundred feet called the tow truck and he's facing now twelve to fourteen
thousand dollars in repairs. What is your comment, Jay, Uh, just
to start as it's pretty crazy, but I think and you touched on it
briefly, but from my days when I was in mechanic, I'll tell you
people that bring me things that have been to shop after shop after friend after
shop, and I'd always say do you have the old parts, and they
say no, keep your old parts. Always tell them you want your parts.
Then if there's something going weird, you can go back and look and
see, Okay, this was fine, we can put it back on.
You can take it back and come and stick this. Keep the parts.
If it does run into a problem, you can always take your old parts
with you to someone else who can evaluate the situation much better with your old
parts available. Thank you, Jay, And under the Colorado Repair Act,
you have a right to get those parts. Thank you very much. Three
O three seven three eight. Yes, this is Deputy bo. I have
a comment about uh diesel case. All right, let's look after this.
I also want to take Diana, who has an identity theft issue, and
uh it's let's get started with Diana at least for a few, for a
few for a minute here, So Diana, what is this issue? Well,
first of all, thank you so much for taking my phone call.
Unemployment is coming after me over wages that I did not claim for. Uh.
Oh are they saying that you got unemployment and you didn't exactly? Yes?
Oh, okay, well, we have some contacts there. Hold on,
we'll come back to you on this and it'll be a warning to others.
Plus, we have some people that can help with this. We do
have some good contacts. I'm Tom Martino three oh three seven one three eight
two five five go with a sure thing Denvers Rufer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance checkup free
no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance
companies find out Now three o three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh three nine to zero sixteen
twenty two. So Diana says she's being pursued by the Division of Unemployment,
saying she received benefits she should not have gotten. Diana explain, how did
they con how did they contact you? Well, it's kind of the long
story, but away I first thought the notion that something was wrong. I've
been working at the same company for over two years, and my HR approach
man said Diana, why is that unemployment telling us that your file is a
benefits like I'm not, and I haven't been for quite anyway. Moving on,
well, hold on, hold on, hold on, hold on.
Did you ever get unemployment? Yes, but I haven't been unemployment forever?
For how long? Oh gosh? Maybe four years? Okay? All right,
fine, So maybe during COVID Oh gosh, I don't know how long
ago was that, like for let's say in twenty twenty, right, twenty
twenty, yeah, twenty twenty. Anyway. One of the crazy things about
the whole situation, I went on my account to unemployment. Yeah. The
dates that they're claiming that I called in tom is the dates that I've been
working at the company I've been working out and they even took me to court.
I did file. Wait wait wait, how long how long were you
on benefits when you were on them? Oh gosh, I don't know,
maybe six months or so if that. I've never been an unployment much longer
than maybe five or six months. Okay, now hold on, So then,
y you say they took you to course, So when did they make
this claim? When did this claim first come in you that you owe them
money it's been about two maybe two and a half years ago. And like
I said, I've been working at the same company, Diana that long,
Diana. Hold on, you're calling now about a collection effort that happened two
and a half years ago. No, when did they start? When did
they start pursuing you for collection? What was the first time you heard from
them for collection on? Just a few months ago? Okay? Got it?
So a few months ago they came after you for benefits you supposedly got
a years ago. Okay? Exactly and why and how much did they say
they wanted? Well, this is going to get kind of goofy. As
birthday, were telling me seventeen hundred okay, and we went to court?
And why did you go to court? That's the part. Why did they
sue you on? Because they wanted their money and I kept telling them I
don't owe you guys' money. Okay? Are they talking about Are they talking
about the unemployment you got during COVID or are they talking about something that supposedly
happened after that when you started working right right after that, when I started
working as the dates that they're claiming that I are they saying that you were
working plus getting benefits exactly, that's exactly what they're saying. That's yes,
Well, did your benefits stop when you when you started working at this place?
No, I don't know, because again I did not get any money
from this. Okay, I don't know where that money went to, but
I didn't get When did you start at this new job? It would have
been okay, what was this twenty four? Then there for two years?
Okay, it would have been in yeah, January of twenty two. Okay.
And so in court, what did they prove? They didn't. They
didn't really prove anything. They had a they had a witness. So you
won? Did you win? Not? Because the judge told me, he
goes, Diana, do you have proof that you filed identity theft and sacked?
I put a claim in the on the website. You don't know that.
I just need to know this. What did you win or did you
lose? Obviously lost because they have a collection agency that is taking money out
of So you got a judgment against you for how much? Well, to
begin with, it was seventeen hundred what is it right now it's almost three
thousand. I'm very confused about that. Oh my god. And because it's
a default and not a default because it's a judgment from the courts for fraud.
You're not going to get out of it. You you missed your chance.
You missed your chance to defend yourself on this. Apparently the judge didn't
believe you. Did you claim that there was identity theft involved? I tried.
I did call the police department out here where I live. I finally
found the opposite that took my complaint. No, that's not what I'm asking
I'm asking about in court. Did you claim that, yes, it wasn't
you who applied for benefits? Yes, yes, And the judge didn't believe
you. The judge says, you have no proof exactly, and I've never
heard that you have to prove your innocent. So you said that you did
not collect these benefits. Do they have a record of where the benefits went?
Well, every time I called him unemployment and asked him that I got
up. You never get a hold of the same person twicea Collins unemployment.
One guy looked at one guy looked on my record, and he goes,
I can tell it was you. I said, well, how can you
tell that? He goes, what's your phone number. It's like, that
doesn't make in sense. You guys have not researched any of this, and
the more lust told me that it was my problem and it couldn't help me.
Well, especially especially because you went to court and lost. Yeah,
I mean yeah, so they had an attorney. You didn't have an attorney
though, did you You know I couldn't afford one, so you went and
defended yourself exactly, Yes, sir, What did you say? I mean,
what did they ask you on the stand? Well, they didn't ask
me anything. The judge was about ready to make a decision without me and
say, I mean say anything. It's like, wait a minute, I
want to quest and fly on my own behafist because I don't have him turney.
He's like, okay, what do you want to say? And I
said, I did not receive these benefits. I filed for identity theft on
the website and I also called the police department. And he goes, well,
well, hold on, when did you do that? When did you
call the police? Yeah? I first actually reached out to them this January.
Okay, but the fraudulent payments were made a few years ago, so
what would make you reach out in January on. Well that was right before
I had to go to court. That's what so you you did not You
did not file a fraud report until unemployment contacted you and said somebody got applied
for benefits in your name. Yes, okay, Well then I know what
the judge means. The judge is saying the only reason you filed for identity
theft was because you heard about this collection. I get that, and there's
nothing wrong with that. You didn't know somebody was getting benefits in your name,
but they claim people got benefits in your name exactly using your social Yes,
and don't. I don't know, I just do I just let it
go. Well, I don't think. I don't think you have a choice.
I mean you said, when were you found guilty? When was that
judgment rendered? We didn't have to say I was guilty, But like I
said, he just told me. It was like Diana, I don't you
know, you're not giving me any proof. He didn't. When were you
found fraudulent? When did the judge rule that a judgment against you? I
don't care what you call it, guilty, innocent, purple white eye?
What just tell me what was the date of that judgment a couple of months
ago. Now you might still be able to appeal it. Did he tell
you that? Well, when everything was said and done, I was on
hold theess like, so what do I do now? And he's like,
if I were you, I would start with unemployment and then work your way
back. I did call an employment Wait who told you that? Who told
you that? The judge did? So? Was this was this a regular
court where you went downtown to a courtroom or was this a hearing with the
unemployment division? It was hearing and it was over the stone, so it
wasn't a real trial. Yeah, okay, then then they're an actual judgment
against you. I don't know, because, like I said, I didn't
get any paperwork and that all I know is we're taking money out of my
thing. Wait, so ho ho ho ho. So they are garnishing your
wages? Yes, okay, God, this is terrible. They must have
they must have gotten a judgment. Well, when I called into the collection
agency, she gave me a choice. She goes, you can need to
do this on your own, river garnish your paycheck. So I did it
on my own. And then when I found out that the amount had doubled.
It's like, how well the world did that happen? Nobody has reached
out or said anything. And then she's like, Diana, let me call
them and see what they say. She never reached back out to me anyway.
I know that doesn't really matter. But no, this is I don't
know. I don't know if you can appeal it or not. I don't
know what kind of judgment there is against you. Can you ask the court
or where you work for it? Well, no, they only have a
rid of garnish. Man, do you have a case number? No?
I do not, well not unless you count the paperwork that they sent me.
Yeah, there's a case number on there. Okay, give me one
second, serve. I'm going to put you on hold. Three oh three
seven to one three talks seven one three eight two five five. This is
a sad situation, folks. This sounds like she's gotten man, I don't
know. It sounds like she got screwed on this one. We have more
coming up. Three oh three, seven to one, three eight two five
five. Go with a sure thing Denver's best roofer excel roofing dot com.
You don't pay a cent until you're content. Wait time for an insurance check
up free, no obligation comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate
man dot com to list your home with Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino here at three oh three seven one
three talk three oh three seven one three eight two five five deb what's going
on with Liberty Mutual? Oh? Hi? I have been insured homeworkers anato
with Liberty Mutual as and on, and I had a big claim on my
house. This is both home and auto. Yeah, but it refers only
to my home right now, I have a big claim in twenty and twelve
get hail on my roof or whatever? And they now, wait a minute,
do you mean twenty twenty two or twenty twelve? Okay, So twenty
and twelve, that's that's where the problem was. I didn't even know.
Okay, hold on, We're going back to twenty twelve. Okay, So
you had a claim a storm claim with them in twenty twelve. Okay,
then why yes, and they paid I thought they paid everything new, whatever
car was inside and whatever. And then tell me what the claim was for.
Oh, it was a big hailstorm in June of twenty and twelve it
was, And what was the and what was the claim? Four for a
new roof, new siding, new what new roof, powerwashing residing and I
live in I live in Parker, so gotcha? Okay, So what's going
on now? So I left Liberty Mitchell that that claim was to South n'chok.
Then I left Liberty Mitchell. When I came back to Liberty Mitchell,
I found a claim in twenty twenty three for the hailstorms that we've had in
twenty twenty three. The point that was with Liberty. Then went back to
Liberty. You claimed you had a second claim. Yes, yes, okay,
I was talking to I was talking to the adjuster on the phone about
I had a classical roofs then and I didn't know it, and I was
trying to prove it anyway. I was trying to get the name of my
roofer. Then. Anyway, he said, hey, he said, do
you know you have an outstanding check from us for seventy nine hundred dollars that
didn't cast made to you and Chase Mortgage. I said, no, that
stops sighting. And he said, I'll just stop payment on This is twenty
twelve, and this happened in twenty twenty three, this conversation. So he
said, I'll just stop payment on it and issue you a new one.
I said, okay, I said, but I have paid off my house
since then. He said, you have to prove it. I said,
okay, I proved it. Then I get a communication from them saying,
our records only go back seven years and we don't owe you that money because
we can't prove it. That's right. So I tried to prove it,
and I went to that and so, how did you try hold on if
you didn't even know it existed? How did you try to prove they owed
you seventy nine hundred So they sent me the line item documentation of my claim
in twenty and twelve. Okay, two other checks cleared, and this check
was right in the middle of those checks. And this said outstanding. Now,
why didn't you notice it back then? Were you that rich that you
didn't notice seventy nine hundred bucks? No, I didn't have a line item
of But that's not an asking, Dab. That's not what I'm asking.
Here's what I'm asking. If I had to pay for roof damage and storm
damage and I put out seventy nine hundred bucks that I did not get reimbursed
for, I would have noticed it. Well, I guess I'm ignorant or
something, because Deb, here's what I think happened. You never paid the
seventy nine hundred Did you pay out of your pocket and then get reimbursed No?
Nothing out of my pocket. Nothing. Okay, if you never paid
out of your pocket, you didn't lose a dime. Someone did not get
paid for storm damage. It wasn't you. Here's how it works, Deb.
Listen, when you have storm damage, the insurance company either does it
two ways. They either pay the contractor directly, or they pay you and
you pay the contractor. That's the only way they do it. So if
they did not pay you and you did not pay anyone, you didn't lose
a dime. The contractor did. Somebody lost money, but you didn't.
Otherwise you would have noticed had you paid seventy nine hundred bucks up front or
or in addition to and you would you would have been waiting for a reimbursement
check the check was made. Table to me, Deb, tell me something,
Okay, I don't know why you don't understand that. If if the
check was made and I don't mean disrespect, but listen back, let's go
back. Then Let's say the check was sent to you, what would you
have done with that check? Back? Then? What would you have done
with it? I would have taken it to Chase Mortgage, which I did,
and then what and then okay, and then what? And then what?
Keep going? And then they endorsed it. I have copies of it,
and then what keep going? They would have endorsed it. Then what
would have happened with the money the seventy nine hundred? It would have gone
to the contractor or that's right, But it didn't go to the tractor,
did it. No, it went nowhere. It went nowhere, and you
didn't lose it. You didn't lose a dime. So in other words,
I'm looking at this inorrectly. Well, Deb, what I'm saying is you're
not looking at it incorrectly. In a perfect world, they should correct it
and give you the money, and you should track down the contractor who didn't
get paid and give him the money. So why are you going through all
this trouble. You didn't lose a dime. Why do you care if they
ever give it to you or not. The contractor apparently doesn't care either.
No one came after you for the money. That's true. That's true.
Wow, that's interesting. I mean, somebody got screwed out of seventy nine
dollars. And here's what I suspect. So you don't feel bad. I
suspect the contractor so overcharged the insurance company and you that they are fat and
happy and did not even notice the money missing. So leave it alone.
What do you care? I mean, I don't even understand why you want
to collect this money. It's not your money. So I said it was
my money, but why Okay, it would have been your money had you
paid that money out. If you can show where you paid seventy nine hundred
and did not get reimbursed, it would be your money. Okay, okay,
I mean deb deb it would be not Now listen, I know where
you're going with this. It would be nice to get that check because no
one's keeping track. There's no contractor coming after you. For it. It
would be found money if you could get it, but you're not going to
get it, so it's not lost money either. I'm Tom Martine Moore coming
up. Go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance 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 all three
nine two zero sixteen twenty two. Hi Tom Martino here, what's going on
in your life? Jordan Kanno's with us My Money, Myway dot com.
Jordan, we talked about bonuses. What are the current bonuses being offered by
the annuity companies for those who want to pop a lumpsum in there from their
retirement account or from their for you know, their four and one case or
their pensions or something. What kind of bonus do they get? Yeah,
they're still so the companies we backed step to fifty companies. Uh. The
thing is the fifteen percent is still being held right now on the products,
and it is strong because this is a great way to help make up any
losses or you know, just like the caller we had earlier our clients,
do you you know, for any money that people have lost already from other
products or the market, this is the way to get it back. But
how how does it really work? Now you put one hundred grand in and
let's say you put one hundred I'm just using these numbers to make the percentages
easy, and your account value immediately is at one point fifteen, that is
correct, and that's growing at one fifteen as well. So truly your return,
your return is figured on that bonus you got it boom, and that's
a very big difference. There are products out there that don't have that similar
effect for our zone. And so if you ever had to get out of
that, though, when does that money come truly yours? Yeah? So
every year ten percent of it becomes futal of yours, So after ten years
the whole amount is actually your account. But that doesn't mean you could turn
the money on before then. You know, if you in turn money on
if you had long term care need or passed away that you can do it
more coming up. I'm Tom Martinez. Get your calls in three 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 check up free,
no obligation comparison call Compass Insurance. Pay too much your coverage at dozens of
insurance companies find out now three oh three seven seven to one help. You'll
think you're his only customer when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two. Ris needed that so you don't have come running sious as fast
as you can. Shooter's gonna help come Man six is the Troubleshooter Show.
No Tom Martino. Hey, I'm Tom Martino. Welcome to the show.
You know three three seven We talk three O three seven one three eight two
five five here to help you solve problems, answer questions, make complaints,
and make your life just a little easier. That's what we do each and
every day, and basically what I'd like to know from you is what is
chafing your rear? Is there anything that just bothers you that can't be solved?
Let's try to solve it anyway. I know that right now what chafes
me is that Colorado and many states believe that passing laws can change behavior.
Did you know? And I swear to you this is not I'm not This
is not made up? Did you know? Dragon? I want to ask
you this. Did Mike Brown ever talk about this? Because you guys are
hip to these things. Did Michael Brown ever talk about the program in San
Francisco that tries to cure alcoholism and street homeless alcoholics by giving them alcohol?
Do you think I'm kidding? I swear to you I'm not. By the
way, if you have a problem question playing, give us a call at
three zero three seven to one three talks seven one three A two five five.
It's a program that offers free booze to homeless alcoholics so they won't cold
turkey, they won't steal, and they won't drink dangerous forms of alcohol in
aftershave and stuff like that. It's the God's honest truth. Now this happened,
and it's called the Now. Of course it's not called free free booze
for alcoholics. That that wouldn't go over very well FBA free booze for alcoholics.
This is called the Managed Alcohol Program, a map to recovery manage alcohol
program. It provides alcohol to struggling alcohol to people struggling with chronic alcoholism who
are homeless, and what they hope to do is get people to then somehow
manage their alcohol consumption and not be drunk all the time and not have to
take to the streets for begging and all of that or stealing. Now,
right now they have a lot of clients housed that give free alcohol every day.
They have not made any progress whatsoever. What do you guys think,
I mean, sounds good to me. If you're a drug ee, give
them drugs. If you're an alcoholic, give them alcohol. The city's helped
officials say there's a lot of misinformation about this, and it really is a
pretty good programs. But others say one said, even as a Democrat,
I think that directing funds to programs like this are foolish and we should direct
it to other objectives for public benefit. Anyway, I just thought you'd like
to know that, yes, there is a program that offers alcohol to alcoholics,
and as we talked about earlier, in the kind of alcohol, Tom,
I don't know, actually I don't know about it. That's a deputy
bowl over here, like so vodka and I like whiskey, and you like
jin Do we get to pick what kind of a you know what? That's
a good point. Look it up now, Colorado. You know, I
felt bad about this until I found out that New Mexico was the most dangerous
state. I don't know if I even believe Leave this WES News and World
Reports survey. I don't know if I even believe it. The ten most
dangerous states in America. I don't get it. How do they figure that
New Mexico is the most dangerous, followed by Louisiana and then Colorado number three.
Now they have a matrix they go through and they judge them. So
this is US News and World Reports. If you want to look it up.
We are the third most dangerous. But we are decriminalizing things. So
we're trying. Here's the thing. If we make something not a crime,
then we don't have crime. Right. If felony car theft takes more than
one car. Then we don't get many felonies, or maybe we do.
So what would you do, Tomas? Give people that don't have cars,
give them a car so they don't go steal one, just like the alcoholics.
Oh that would be something. Now listen, here's another thing, the
total debt of people. By the way, this is what I found shocking.
What I find shocking are trends more than I do actual names of cities
and counties and all that. But if you counted in the top twenty five
counties with the highest debt the highest debt, think about this, where do
you think most of those counties are. I'm going to count how many in
the top twenty five are from this state? One, two, three,
four, five, six, seven, eight, Oh, listen, nine,
ten, eleven, twelve, thirteen, fourteen, fifteen, sixteen,
Sixteen of the top twenty five are from California, sixteen of the biggest household
debt. Sixteen counties out of the top twenty five are in California. And
that place is living on smoke and mirrors. I swear to God, I
don't even know how Newsome gets up in the morning and looks in the mirror.
I have no idea I mean, has anyone ever heard of a more
hellhole than that place? Heo? San Francisco used to be a beautiful place.
You can't even go out to eat down there anymore. And in La
it's amazing. Yes, And of course the police has his way, we're
going to be just like it. And again, I don't mean to be
a bearer of bad news, but look around, folks, Just look around.
God Almighty life is its own teacher. So when policies failed, what
does it tell you that policy makers are failing you? Wa? Wait?
Wait, wait? Did I just say that I'm not on a coin.
When policies fail, policy makers are failing you. But we have this phenomenon
here where policies fail and we reward the policy makers. Bye bye, just
Ron, what's happening, sir, what's going on? Let's change the subject.
Let's let's help people. I don't want to just bitch and moan.
My wife sometimes calls me a curmudgeon. I don't like that. Okay,
I'm not calling for myself. I'm calling for another person. I'm very kind
to call for someone else. What can we do for you? I am
a va appraiser and I got an order from for an appraisal for a property.
To do an appraisal, longing to see the property and the property is
basically easy. And they CE five for very bad shape. And what did
you code that? You said C five the C five that is appraise,
So I don't know the appraiser talk. Is that a code for bad?
Well that's bad, Yes, it's beyond Tell me how the coding works.
I'm just I'll let you tell your story, Ron, But how what is
an excellent pristine property? How would that be? Coding? Like C one
is a new construction, nobody has ever lived in it. C two be
a property that is one or two years old. It really does not have
any kind of deferred maintenance. And then C three and C four is average,
and then C five is low average, and then six is one that
the condemned and kind of now what does C stand for? Condition? Okay?
Gotcha? So condition one, two, three, four five? So
what's going on now? So you won here you found a really like decrepit
home and or dilapidated. And what's going on? So this is a veteran
who is disabled. He's had some other medical issues currently right now he's in
a wheelchair. Is only one lake, and he's taken care of another adult,
disabled non verbal child. Now why were you appraising this house? He
was trying to refinance. Oh, get some of these get some of these
projects done. But he's just overwhelmed and I don't think he is capable of
handling that. Do you think he should be living in assisted living or something?
Well that's now I don't think. So he's taken care of his son
as best as he could. Problem what's wrong with his son? He is
disabled non verbal adults also in a wheelchair. So they're both in wheelchairs,
correct, So you can just imagine how that works. So the other thing
is they used to have a drive in shower in the basement that they could
take the wheelchair. And how did they get to the basement. Well,
they had one of those share lists that goes downstairs, but that was not
working anymore, so they took it out. So right now they can't even
get to the basement into the shower. So he's trying to help his son.
How old is his son and I would imagine in his thirties, maybe
a late twenties. Idol, Okay, God, this sounds like a sad
situation. Is he a veteran of what would it be a veteran of what
war? Again, I don't know those particulars. All I up from him
is he served four tours of duty, but I think two tours were in
Germany and I think two tours in How old is this veteran, would you
say? I would again I'm not a good but probably in his late forties,
maybe shifties. Okay, so in the bathroom, and you know he's
got a lot of projects going on which he can't really do. I mean
he took the doors off, the baseboard, tear off the kitchen is a
mess. They've got to exposure. And now let me ask you a few
questions. Because there are places, there are services that will help remodel or
help fix up a house for people. Well that is what I'm trying to
get through. And Okay, well we're gonna we're gonna look into it.
But I also I would like to know ron. I want to know more.
I want to know a little bit behind the scenes. Is he a
hoarder? No? No? Not okay, Well, I mean the condition
around the houses, no, I get it, No, I get it,
but it's not where you have to make a path through the house.
No, no, no, no, okay, next question, Ron,
next question. Is he mentally competent? Yes, yes, he's very competent
and good. Like I said when I was there, he broke down because
of us, too much stress, too much to handle. But now then
he composed himself and he didn't want his disabled son to see him crying.
So now his son what what? What? How would you describe his son?
Is it? Is it cerebral palsy or multiple sclerosis? What's wrong with
his son? Do we know? No, it's just non verbal, but
he's in that shape, I mean, just grunting and sitting in a wheelchair.
Oh my god. We got to get some people. No, we
got to get some people to help. Now, That's what I'm trying to
do, and I've been kind of running into roadblocks. Nobody's been able to
help. They always point somewhere else, or they say, well this year,
they're all full way to old twenty five. Well by twenty okay,
hold on, Deputy Bow, why don't we just start investigating. Do you
know that sus has a VA I don't know if they're with the administration,
but a veteran angel, someone who has a heart for vets and knows about
programs. Let's just start gathering information on programs available. Specifically, what we
need is maybe some home healthcare, and then what we need is some fixing
up the house. Fixing it up. I mean, you're an appraiser.
You hold on, hold on, I need to ask you some more questions,
okay, and I want to ask about it. Since you're an appraiser,
you might know a little more than the average bear. I'm Tom Martinez
three oh three seven one three talk seven one three eight two five five Frank
around the real estate Man dot com will do a free market analysis of your
home. Whether you're looking to buy or sell, or or nothing. You
just want to know and he'll do it complimentary with no pressure. Of course,
if you ever list, maybe you'll use him. But he doesn't do
it for that. He does it because he wants to get to know the
market and help people out. He can tell you what that you'll sell that
house for, and it's almost assured what you'll get because of his vast experience.
Frank durand the real Estate Man dot com three oh three nine two zero
sixteen twenty two go with a sure thing. Denver's best roofer Excel roofing dot
com. You don't pay a cent until you're content than time for an insurance
checkup free no obligation. In comparison, call Compass Insurance paying too much your
coverage at dozens of insurance companies find out now three 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. Hey, pass the word. Pass
the word. If you have a problem, question or complaint, I want
you to put this out even on social media. If you want, you
can call three oh three Martino. We have deputies, we have attorneys,
we have accountants, we have oh man, we have so many professionals,
all helping in the troubleshooter effort to solve your problems. We try right so
call three oh three Martino at any time, anytime when we're on the air.
It'll come through here. When we're not here, it'll come through the
office. And then when we're not at the office, you'll believe voicemail and
we will get back to you. That's our pledge to you three oh three
Martino three oh three, six two seven eight four sixty six. So Ron's
back with us, and Ron's a kind man, a via appraiser. He
ran into this guy trying to refy his house and he says it's in very
bad shape and that the guys disabled in a wheelchair caring for his son in
a wheelchair. And Ron, I want to ask a few questions. What
would it take to bring this house up to a normal refine condition? I
mean, first of all, how is he paying for his mortgage? Do
you know? I mean, we don't know his name, so you're not
giving away anything that to the public that not be No, I don't know.
I don't know what kind of the assistance he gets or resently they get
put in a ramp in the front yard, which is to me really atrocious
a days of the whole front yard. But so he does get some assistance
or VA is aware of it. Tell me what is the what is the
nature of the house that like, how bad is it? Like? What
would it take to bring this house up to normal standards? Do you think
this would be just an estimate, probably twenty thousand dollars, you know,
it's like in you know, the whole bathroom probably needs to be redone so
it's wheelchair accessible, and he has removed the interior doors. He's kind of
redoing the kitchen. The bathroom is in bat shape, and the electrical problems
the outside. The electrical box is open, and I'm surprised that it's even
still functioning because rain gets in and some of the breakers have been removed.
He's working to try to get a fence put in. How long has he
been there? God, I don't know either. I will have to look
at public records. I really haven't completed. Hey, Ron, how about
a GoFundMe page. He's got a great story, you know, to disabled
vets one disabled the sun the sun is not right paid? Would be?
I think a great idea. Right. Yeah. They don't know all the
intricacies of house. No, Ron, I understand you called us for help.
Doc. He called us to try to get something going. I I
really want to start. Here's what I want to do. I want to
start one step. The other things. It is not a matter of the
money, because if he gets the money, I don't know if he can
hire the contractor. No. I understand that we I'm trying to find a
service that will come in and do and help do it, not just throw
money at it, because that's not going to work. And you don't want
people cheating him or anything like that. So he just needs a bunch of
help. Now, the house itself, if it was fixed, is it
is it a nice location, a nice house, or as they say,
does it have good bones? Oh yeah, no, it's a good housing
in a nice neighborhood. Good it's you know, I can tell it's Jared
and and it is in an could de sac, so uh, you know,
if it is fixed up, you know to be a nice house.
Okay, what about Habitat for Humanity com or they go in there and do
a repair. Maybe, Yeah, that's what I want to start looking into.
Bo if you could make some calls. And there's also some other programs
like Brothers Redevelopment, and then there's Contact that contacted Habitat for Humanity, but
they only do stuff in Dinver County and he did houses in a Rapo County,
so they they were unable to give any kind of assistance. Habitat for
Humanity is tied down to account. That's what this particular person when I emailed
him. That's how they respond. Well, maybe that particular office, maybe
they have like territories or something. Bo let's start looking into that. And
Cabitet Freemanity, the VA has a big office. They're off of Colfax and
two twenty five could go there and get some assistance. And there's a program
called LEAP. They might be able to provide some repairs on the house.
It's Government Assistant assistant Housing repairs. Yeah, any kind of repairs or any
kind of help we can get them, maybe even home assistance home care.
I mean, there's got to be something available for veterans. I know of
another veteran in another state who got home health care and he didn't have to
pay for it, and they also did some other assistance programs. Now he
didn't own the place, so they didn't do any fixing up. But I'm
wondering if the house is paid for, or if the house how much he
owes on it. But again, these are things we can find out,
right, Okay, I'll get the work. Get Ron's information though, so
we can stay in touch with him, since he he has a heart for
these guys. Ron, We're not expecting you to do anything, but we'd
like to be in touch with you now. Chris, you have a question.
I got to take a break soon, but I want to get started
on it on home repairs. Then I have Jordan my Money myway dot com.
I have a few texted questions for him. What's going on, Chris?
What's your question? Yeah? Real quick, I had about a fifteen
thousand dollars sewer job done from Plumbline, and they offered me a way to
pay for it over twelve months with zero interest. I'm looking to do the
same thing with foundation repairs in the basement. That company doesn't offer it.
What are some good options to do that? Well? How much will your
foundation repairs cost? About twelve okay? How old is your home? I'm
just curious that you needed all this work done? Oh, mid fifties okay.
How much do you owe on the house? Oh? About eighty thousand
dollars. Now, when you say when you say foundation repairs, excuse me
a basement? Do you mean foundation or do you mean basement? I mean
cracks in the walls in the basement. Okay, you're talking about possible.
Okay, so you need some structural repairs? Yeah, yeah, that's winning.
Okay, Hold on a second, I'll come right back to you.
I'm Tom Martine. Go with a sure thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until you're content. Time for an insurance
checkup free, no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now three O three seven to
seven to one. Help. You'll think you're his only customer when you choose
Frank durand the real estate Man dot com to list your home with Remax Alliance
three nine two zero sixteen twenty two. Hello Tom Martino here. Okay,
So Chris wants to get some basement repairs done structural repairs, and he wants
to know any creative way to pay for that. Are there any places that
do same as cash with payments. There are financing places that do that.
They may not work directly with They may not work directly with a contractor specifically,
but they do it for sure. You say you owe eighty grand how
much equity in that house? Uh? Jeez, I don't even I don't
even know anymore a lot? Well tell me what it's worth roughly worst case
scenario. What is it worth? Probably about two hundred And I mean what
can I get for if I sold it? Yeah? Well yeah, yeah?
What are the name? Yeah? What's the house worth? Approximately?
Yeah about about two seventy five? Yeah? And what is the okay hold
on? And what is your rate you have on the mortgage? You have
now three point six? I think, oh, yeah, that's a good
rate. Okay, yeah it is. Yeah, I know. But sometimes
you know, doing that REFI can can help. I mean you can get
you can get every the twelve grand. You know, you can get an
equity line for that. Okay, Now it's not interest free, but you
can get an equity line. You could easily. I wouldn't REFI for allows
e twelve grand, but if you needed a lot more money for other things
and you had high interest debt, that might be an idea to do the
other thing. How old are you fifty five? Okay, now a little
young for reverse loan product, although there are some that go down to fifty
five. But if you're not going to stay there, it's not your forever
home, and it may not be a good idea because you know, I
don't know what are your plans for this to flip it or what. No,
No, I don't want to go anywhere. But you know, I
mean I spent thousands of dollars with plumb Line and they're great. They're on
your referral list, right, Yeah, they're wonderful people. Yeah, and
they were able to offer me, I don't know how twelve months no interest.
I took care of it on my end at it interest for you.
That's because they have good relationships with these people. They're really good at that,
and they have because they're a solid company. And what I'm thinking is
there are places I'm trying to think of the name of it right now.
There are Pep, there are uh god, I got to think of the
name. There's one company that's very good at this with no interest and they
do it. You know what, here's the deal. If you want,
you know, if you ask Plumbline, by the way, who there is
you know you can go. Many of these lenders will go direct or work
with a contractor if you've you don't In other words, they don't work with
just Plumbline. Do you understand that they work with a lot of people.
So these people who are these people that I'm trying to track down. They
are finance companies. Okay, that's what they are. They're finance companies and
they work in two ways. First, if you don't pay twelve months same
as cash, then you're popped with interest. So they work on that principle.
The other one is whatever plumb Line charged you, they pay Plumbline a
discount. But there are plenty of contractors willing to do that. In other
words, they're willing to do the work. By the way, there is
no free lunch. So no matter what if somebody says twelve months same as
cash, and you have cash, it's not the same cash, you know,
I mean, it just isn't to you. It is to you,
it is, but the contractor's taking less money. So whether they take less
money from the finance company or less money from you. That's another option is
to is to if you could come up with the cash, you get disc
cash discounts or a credit card. See when you if you're looking for no
interest, you may not find it, but you may find a credit card
or you may find something like that. And before you start thinking, well
that's going to be too much interest, but you're going to pay it anyway.
Either in the price of the product because they have to discount it or
you're going to pay it someway or another. So it's an allusion to you
this no no interest. I'm not saying it's a bad deal. It's a
wonderful deal, but it's an illusion a little because it's not free. Scott,
you have a comment on this? What is your comment? Tom?
Hey, Chris, we offer the same programs as where you have to say
what your zero interests. And we're also a company that does spasement, repair
of the crack repairs, things like that that you talking about. What's the
name of your company, Ramjack of Colorado Business. Ramjack used to be on
my referral list. Yeah, it might've been before my time. I've been
with a company for about seven years. Ramjack was absolutely on my referral list
and they were, in fact, I had the guy in back in the
day on my show. They're a great company, Chris, and you guys
do foundation repair and you offer financing right everything that he was asking for a
week? All right, Katschina, make that connection, will you, and
then try to get Ramjack on the referral list. I'm just kidding, Scott.
I'm not going to pressure you, but get that information from Scott so
he can give it to Chris. Thank you very much much man for calling
in. I appreciate it. We got more right after this. I want
to just tell you that that's what the show's about, making connections. Like
if you want window washing, you can go to Premiere. They do window
cleaning and pressure washing and commercial. By the way, they do commercial window
tinting seven to zero nine five three zero zero seven eight seven two zero nine
five three zero zero seven eight. Here's an easy uh website to remember for
windows, residential, commercial and tinting. We Clean Windows dot co. Go
with a sure thing Denvers Best Roofer, Excel Roofing dot com. You don't
pay a cent until you're content. Time for an insurance checkup, free,
no obligation comparison call Compass Insurance. Pay too much your coverage at dozens of
insurance companies find out now three oh three seven seven 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. Come on, man, Jordaniano let's go back to him my
moneymway dot com. Jordan, I have a question. I got to get
to it right here here it is okay, okay, So they what are
the costs associated? This was the text. What are the costs associated?
How do they figure their expenses for like putting money in what works for him?
Blah blah blah. Yeah. So this is something that is a wonderful
question because most four to one k is most brokerage accounts. You're looking anywhere
from three percent, two percent on upwards of four percent sometimes and that's terrible
a year if you're not making that in the market. Oh, by the
way, Jordan, that's a five percent is very common for normal retirement plans,
which is which is a lot. I mean, most people awesomes are
averaging maybe two to three if you look over the lifetime of it. That
was our product. We're talking a tenth of a percent. That one product
that has a fifteen percent bonus that we were talking about earlier. That is
not one percent fee, it's a tenth of eight percent. That is a
year. So minute is that a year? A ten to percent no fooling,
that is that's pretty damn cool. By the way. Uh. I
want you to call them for a private session or go to their website,
my Moneymway dot com. My moneymway dot com. Three oh three seven seven
nine sixty six hundred. That's zero three seven seven nine six six zero zero.
By the way, call three oh three Martino. Believe me, you'll
get help. We'll call you back three oh three six two seven eight four sixty six