WEBVTT

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Ripped off that news. You need
advice who you don't have to come running

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just as fast as we can.
Show Shooter's gonna help come. This is

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the Troubleshooter Show. No Tom Martino. Hello, Hello, Hello, I'm

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Tom Martino. Welcome to the show. We are here to help you solve

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problems, to answer questions, to
take complaints, and to make your life

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just a little easier. To my
right, right here of your streaming on

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this way shot, we have Dan
mackenzie. He is an estate planning attorney

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and or maybe not a planner.
Maybe you just are faced with probate.

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Can people call you if they're faced
with sudden probate? Yes, definitely.

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There's some confusion on probate as to
who can open probate. We have a

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bunch of relatives and friends and they
sit around and nobody's doing anything. What

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are the laws when it comes to
probate? Let you know, first of

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all, can can a deceased person
in a will name who they want to

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be their personal representative? Yeah?
I consider that to be the most important

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instruction they put in there. And
does the court have to recognize it?

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Not necessarily? I mean that it
could be challenged by somebody else. But

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usually that's gonna that is going to
be the person. Okay, So if

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someone dies and no one knows anything, Yeah, who can open a probate.

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There's no will, there's no apparent
will, there's nothing around. What

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do they do, really, anybody
with an interest in the estate. Does

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that mean a friend, a house
cleaner, somebody. Do they have an

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interest in the estates? Well,
they think they do, like they were

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told they do. They were told
they were going to get something. Yeah,

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they probably can. Then doesn't mean
they're going to be a pointed as

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the personal wrap. The person who
applies to open the estate is not necessarily

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going to be the representative. And
in some cases it's creditors, you know,

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people who think there were owed money
by the person who passed away,

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and the family is not doing anything, the creditors could open it. The

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family gets a six week head start, and if they haven't done anything by

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that point and there's creditors thinking we're
owed money and nothing's happening here, they

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can apply to open it. You
know, you're an attorney, and attorneys

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are paid advocates, And I wanted
to ask you something In criminal law,

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I talked to a defense attorney,
and he said, it's not my job

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to figure out if my client is
guilty or innocent. It is my job

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to make the state prove that he
is. And I put up any kind

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of defense that is an honest,
just defense that he has afforded to him

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by the law. And if they
can't prove their case, even if he

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is guilty, he shouldn't be convicted
because that will help them get the real

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people next time around, and next
time around and next time around. So

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they advocate and most of the defense
attorneys I talk to, when you say,

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how can you defend a guilty person, they say, I don't assume

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they're guilty. I don't even know
if they're guilty. And I don't know,

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by the way, personally, what
would happen if if the guy said,

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yeah, I did it, but
I got to I can't go to

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jail for the rest of all.
I don't know what would happen in that

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case. I don't even know.
Maybe defense attorneys would weigh in on that.

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But then on the other hand,
I've talked to civil attorneys who are

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hired by someone to sue someone,
and they take up their case and they

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go to court, and they fight
the battle. And then in your area

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of law, a state law,
it's not so much adversarial more than it's

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more of a representative. Now it
can get adversary again, and it's it

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usually isn't. And attorneys in our
area law I have different roles available to

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them. So if I'm represent a
personal representative of an estate, I supposely

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helping that person represent the estate,
and that means, you know, not

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putting their own interests ahead of the
other people. I wanted to ask you

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something about being a paid advocate for
someone who wants to, let's say,

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challenge it will or challenge and do
something put in a claim. Do you

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is it your job to advocate for
that for their position, or if you

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feel they're wrong, do you just
not take it and say I'm sorry,

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I can't fight for this. It's
because when people call here and I don't

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think they have anything, you know, I said, look, man,

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we're not going to call and hassle
this car manufacturer or we're not going to

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hassle this person or whatever. So
how does that work in criminal law?

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They do it no matter what what
happens in a state law. As far

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as being an advocate. Yeah,
it's a little trick here, I think,

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because yes, we will tell people
they're off facing okay, and you

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can't. But if they want to
move forward, yeah, I mean you're

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not obligated to take up their case, right, No, No, neither

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is the defense attorney, I guess. I mean anyone can turn down anyone,

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right, true. Okay, And
we got a lot of people are

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just like they just kind of generally
think it's unfair or they don't think their

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parent would have done this or whatever. It's like, that's not really the

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rule, right. You got to
prove that they were unduly influenced or that

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they didn't have capacity or something like. You can't just say this is unfair.

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So judge turn you know, overturn
this thing. By the way,

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I want to give out our number
three oh three Martino. You can call

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twenty four seven three oh three six
two seven eight four six six. Really

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important that number because it rings through
here when we're here, and then it

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rings through our voicemail when we're not
here, and you can leave a message

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and we will absolutely get back to
you, okay, so you never have

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to wait. The other one that's
like appointment radio. And then The other

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thing is you can always write to
us help at troubleshooter dot com, and

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then when we're on the air,
we can use ihearts now birth three oh

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three seven one three talk seven one
three eight two five five. So Dan,

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when I when the biggest problem we
get with the States, And I'm

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telling people right now they better put
stuff in writing and nowhere to find it.

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The biggest problem is when someone says
there is no will, and you

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know there was a will and you
were named in it, and they left

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Johnny in charge and Johnny says I
don't have a will. I mean,

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there's really nothing you can do if
somebody doesn't like the will and makes it

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secret. We've said that before.
Now that's not a common problem we get,

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but I'm just that's my curiosity.
You can't make I knew of a

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case one time where they the person
had kind of expressed what they wanted to

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do when they were dead and said
they had a will and Aunt Jenny has

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the will, and Aunt Jenny whatever
her name was, said, no,

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he didn't leave any will. What
do you do in that case? I

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mean, you can't make someone.
I mean, there's so much honor when

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it comes to a state law,
isn't there Yeah, trust and honor.

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Yeah, even if you have a
copy of the will, the court presumes

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that you only have a copy because
the person who created it destroyed the original

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intending for it not to be Wow. So you got to do the formal

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process and schedule a court hearing and
give people a right to object and all

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that kind of stuff. So that
is the presumption that if there's no will

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produced and the original that there was
no will. So yes, like we've

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discussed, you know, if you
have a will and you lie about it,

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it's just like any other fraud you
commit. If it gets discovered and

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there's a pretty good chance frankly,
like they'll find the lawyer who drafted it

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or something will come up, you're
screw. You're in trouble. It's fraud.

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Yeah, Okay, Now when it
comes to this, how many times

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have we heard this? You know, my dad's will was perfect and then

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all of a sudden two years ago, he changed it. We never knew

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anything about it, and everything's going
to the housekeeper. Do they look at

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that, like, do judges have
discretion to say that doesn't make sense?

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Or do they have to just Hey, it's the will. It's the will.

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Oh no, that's you know,
there's that's the one I just mentioned.

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It'd be undue influence? Was this
housekeeper? And how do how do

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you prove that it's litigation? I
mean, you have witnesses coming in you

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you know, we we do discovery
and it's just like a civil litigation process.

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So so the kids say, wait, he didn't want everything to go

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to the housekeeper, or he wasn't
in love with that woman, or he

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didn't mean for his gardener to get
his car right correct. Yeah, And

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then we were looking at like,
well, what was the relationship, how

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did this happen, what were the
circumstances under which it changed, who was

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involved in it? All those kinds
of thing. But you see, I

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find a state law fascinating because of
this reason. If it's not made right

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and clear, everybody suffers. Yeah, Ambiguity is always a problem for what

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we do. And that's you know, where people are doing it on their

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own or people who would just haven't
been through probates before and don't really understand.

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You know, we see people do
things and they just don't anticipate all

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the potential other plans that can be
Now there's something we've talked about in the

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past, and by the way,
people we don't have to talk just about

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a state, but there are some
fascinating law when it comes to estate planning,

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and so many people put it off. But there is something that I've

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always said that I was a bit
wrong or I didn't add enough to it.

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Here's what I said. If your
dad or mom, or aunt and

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uncle or anyone who has a home, they bought it really cheap, and

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they die and they left it to
you. The date of death is the

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date of valuation, so you get
a stepped up basis. So they bought

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it for fifty grand and it's going
to sell for three hundred. You want

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to get as close to three hundred
for your basis as possible, so on

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the day of death that that house
is worth three hundred. Theoretically you get

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it at three hundred and then you
can sell it at three hundred. So

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if it's worth three hundred and you
sell it for two hundred, do you

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get a loss? You can actually
take a loss, say take the lot.

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Yeah, So I think it's going
to apply against other capital gains.

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I don't think you get a rEFInd
of your individual. Okay. So if

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I inherit a house and on the
date of death it was two hundred thousand

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and I can't sell it, who's
to say I'm not manufacturing a loss by

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selling it less? Yeah, I
mean the irs could challenge that. It

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certainly could. I mean, it
probably is gonna or I sell it to

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my kid, or I sell it
to somebody else. Yeah. People try

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and do that. They sell the
house for a buck or maybe something well

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or whatever or whatever and say,
well I sold it. No, anything

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less than fair market value is going
to be considered a gift now, Okay.

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So the last question, or the
one item I wanted to say,

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is when you get that house on
the day of death, if you don't

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like that value, can't you wait
and take an alternate date of isn't there

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an alternate date? What tell me? If that's the part that I just

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found out about, what is we're
going to talk about that coming up?

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I'm Tom Martinez. So in other
words, we always say date of death

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value, date of death value,
but actually not so not all the time.

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You can actually have an alternate date
value. Then does everything get a

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stepped up basis? So anyway,
as I said, you can call about

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anything, but these are things people
come up against all the time. Three

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00:14:56.600 --> 00:15:00.240
Or three oh three Martino. Let's
go to devn Hi Devin, what's

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00:15:00.279 --> 00:15:05.360
going on? Hey? How are
you? Tom? Devin? Did I

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00:15:05.440 --> 00:15:09.480
meet you before you did? When
I was like eight or ten down to

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lot and didn't I meet you up
at your house? When I went up

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00:15:13.159 --> 00:15:16.600
there? With Is John? Your
dad? Yeah? Jones my dad?

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00:15:16.639 --> 00:15:18.919
You might have met It was either
me or my brother. I remember,

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00:15:18.240 --> 00:15:22.759
well, your brother John was the
older one. That he was also in

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00:15:22.840 --> 00:15:28.399
car sale. Okay, now let
me explain this to people. Devon is

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00:15:28.519 --> 00:15:37.159
the grandson of Dave Rothrock, who
is the founder and owner or was the

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00:15:37.200 --> 00:15:41.440
founder and owner of A Rocki's Autos. And Dave was I think Dave was

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00:15:41.480 --> 00:15:46.559
a marketing genius back in the day
when he did this. At one time,

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these guys were selling six hundred cars
a month. They were one of

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00:15:50.120 --> 00:15:54.679
the largest used car dealers in the
country. I think what happened, and

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00:15:54.720 --> 00:15:58.080
you know, I represented, of
course, I did commercials for your dad

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00:15:58.279 --> 00:16:02.919
or for your grandfather, and then
I knew your father as well. And

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00:16:04.080 --> 00:16:08.120
yeah, your father's incarcerated. It's
a sad story. Your other uncle,

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00:16:08.879 --> 00:16:14.639
I guess, committed suicide too,
didn't he. Yep, and he did

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that. It's a tragic story.
I mean, Dave Rothrock was a hard

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working guy man. He just worked
his ass off and he had two sons,

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and one son tragically committed suicide.
I believe it was on Father's Day.

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00:16:26.039 --> 00:16:32.600
I mean it was terrible, and
and he was he suffered from depression.

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00:16:33.360 --> 00:16:36.840
Your dad was a good friend of
mine, I mean he really was.

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00:16:36.919 --> 00:16:41.279
And and your dad I went up
to the house, and you know,

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00:16:41.559 --> 00:16:45.960
I don't want to get into too
much, but your dad probably suffered

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00:16:45.000 --> 00:16:51.600
a little too, I think,
because he later on went to Arizona and

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00:16:51.639 --> 00:16:56.480
got into a shoot all this is
public knowledge. He got into a shootout

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00:16:56.480 --> 00:17:00.519
with police. Yeah, and that's
sad. I mean, he was trying

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00:17:00.559 --> 00:17:06.960
to commit suicide when my parents got
split up, and and yeah, he

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got addicted to prescription meds and yeah, it was just yeah, a midlife

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crisis. Yeah. And so what
he was hoping is the cops would kill

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00:17:15.400 --> 00:17:21.559
him, and they didn't kill him, and he went to jail. Do

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00:17:21.640 --> 00:17:25.200
you ever get to see him,
Devon, Yeah, I see him once

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00:17:25.240 --> 00:17:29.440
a year. You know, there's
not really good medical care in prison.

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00:17:29.519 --> 00:17:32.839
So he's he got shot twice.
He's in a wheelchair. Now he looks

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00:17:32.839 --> 00:17:37.319
pretty old, but he's in a
wheelchair. So he was he was paralyzed

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00:17:37.319 --> 00:17:41.119
by the police. No, just
he was shot in the ankle, so

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walking's hard. And then he was
shot in the back end. He only

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00:17:45.119 --> 00:17:49.839
has one lung because the bullet like
collapses long. It's amazed, it's amazed

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00:17:49.880 --> 00:17:52.440
he didn't get killed. You know, my heart goes out to Devin.

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00:17:52.519 --> 00:17:56.440
This is a tragic story, and
you know what David wanted nothing but the

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00:17:56.480 --> 00:18:00.119
best for his family, and he
worked it. Like I said, he

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00:18:00.160 --> 00:18:04.880
worked his ass off. And David
died. Did your did your step grandma

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00:18:04.960 --> 00:18:11.599
die? No, she's still alive, Okay, still alive, and she

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00:18:11.720 --> 00:18:15.839
had a battle with cancer. She
had a battle with cancer early. So

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00:18:15.839 --> 00:18:19.440
so you guys have been through it. How is your mom doing? She's

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00:18:19.480 --> 00:18:25.039
good. Her her parents were just
killed in a car accident in Texas going

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00:18:25.440 --> 00:18:27.880
uh to Texas about a year ago. But she's doing good. And my

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00:18:27.960 --> 00:18:33.000
sisters is doing well. Now I
know you have some mistake questions because I

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00:18:33.880 --> 00:18:40.200
imagine, did did your granddad have
a will? So he h yeah,

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00:18:40.240 --> 00:18:41.920
he did. No, he didn't
have a will, and there was a

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00:18:41.960 --> 00:18:48.000
reason for it. So there was
a prenuptial agreement without a will. Wait,

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00:18:48.039 --> 00:18:57.359
a prenuptial agreement with who my step
grandmother? Okay, And and then

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00:18:57.440 --> 00:19:00.880
he was going to I assume bomed
when I talked to him. I mean,

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00:19:00.920 --> 00:19:04.519
he never told me directly, but
you guys were everything to him,

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00:19:04.559 --> 00:19:14.240
his grandkids. Yep. And I
imagine, Devin, I imagine he left

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00:19:14.240 --> 00:19:19.400
a sizeable estate. Yep. Now
did you have don't you have twin sisters?

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00:19:21.759 --> 00:19:26.440
Yes? And then you have your
older brother John. Okay, so

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00:19:26.559 --> 00:19:33.559
what is your question for Dan McKenzie. Well, so there's two things.

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00:19:33.680 --> 00:19:42.839
There's a holographic will that was written, the signatures don't match. There was

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00:19:42.880 --> 00:19:52.799
a prenuptial agreement. At what point
is it better to kind of do a

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00:19:52.880 --> 00:19:56.160
knockdown drag out where you do the
whole probate thing and go through the court

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00:19:56.240 --> 00:20:02.920
process or and Joe, well,
are you saying that? Are you saying

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00:20:02.960 --> 00:20:08.440
that David's estate has not been probated
yet? No, it's in the process

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00:20:08.440 --> 00:20:12.240
of going. But it's also in
the wh who opened the probate? Who

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00:20:12.279 --> 00:20:18.119
was his personal representative? It would
be the lawyer for the company, mister

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00:20:18.160 --> 00:20:23.319
Miller. Now, but the lawyer
is the personal representative. And there's a

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00:20:23.400 --> 00:20:32.240
will. And does mister Miller believe
the will is accurate? I think she

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00:20:33.839 --> 00:20:40.599
it's like half accurate. There's things
that are wrong with it that won't stand.

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00:20:40.640 --> 00:20:45.279
But there's things that how old is
that will? About seven or eight

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00:20:45.359 --> 00:20:52.920
years old? Okay? Now,
in general, did David leave everything to

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the grandkids or to his daughter in
law, to his son in prison?

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00:20:56.839 --> 00:21:02.920
I mean, how did it work
out? Yeah? So in the prenuptial

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00:21:02.960 --> 00:21:11.119
agreement everything went to his grandkids and
son. So your dad, your dad,

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00:21:11.240 --> 00:21:17.759
and you and your siblings correct,
okay? And what's is anyone challenging

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00:21:17.799 --> 00:21:25.480
that we are after the fact when
my dad goes to prison, there's a

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00:21:26.039 --> 00:21:33.680
history with him and uh, the
step grandma that she wants to cut all

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00:21:33.720 --> 00:21:37.599
of us out, so on the
area. Wait, so your step grandma

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00:21:38.160 --> 00:21:42.519
she wants to take everything for herself? Is she not recognizing the will?

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00:21:45.079 --> 00:21:52.279
The will not they're not recognizing the
prenuptial agreement? Because okay, so does

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00:21:52.319 --> 00:21:59.480
the will? Does the will leave
everything to her? The will says that

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00:21:59.519 --> 00:22:06.799
it wants the prenuptial agreement voided.
Okay, And did anyone witness this will?

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00:22:10.359 --> 00:22:12.000
There's two so it's like I said, it was written on it.

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00:22:12.119 --> 00:22:18.680
So it's written on a notebook paper
and there's two different sections to it.

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00:22:18.759 --> 00:22:23.160
So the top part was not witnessed
or sign the bottom part was, which

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00:22:23.240 --> 00:22:30.759
says my dad gets this and this. So part of the signatures don't match

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00:22:30.720 --> 00:22:37.880
my grandpa's signature, which both attorneys
have agreed upon. And they're just at

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00:22:37.880 --> 00:22:41.519
this point trying to just get it, get it settled, instead of dragging

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00:22:41.559 --> 00:22:45.720
it through the leader and your step
What is your step grandma's first name?

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00:22:47.880 --> 00:22:51.440
Darlene. Yeah, that's right,
I forgot it, Okay, Darlene is

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00:22:51.519 --> 00:22:56.799
she So she has an attorney,
she lawyered up and she's basically challenging the

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00:22:56.880 --> 00:23:03.759
prenup. That's right, all right, hold on because Dan McKenzie here has

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00:23:03.759 --> 00:23:07.839
been taking mental notes and he'll answer
all of your questions and he's rather good

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00:23:07.839 --> 00:23:10.920
at what he does. So hang
on, Devin, and we'll come right

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00:23:10.920 --> 00:23:12.240
back to you. I'm Tom Martinez. We got more coming up on the

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00:23:12.279 --> 00:23:17.839
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Frank Trant the real Estateman dot com. Hi Tom Martino, your troubleshooter at

323
00:25:17.200 --> 00:25:21.599
three O three seven one three talk
THREEO three seven one three eight two five

324
00:25:21.720 --> 00:25:25.160
five. So, Devin, thank
you very much for calling. And uh,

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00:25:26.000 --> 00:25:30.000
we have Dan mackenzie with us in
a state planning attorney and Devin is

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00:25:30.079 --> 00:25:32.400
just saying, you know, what
does he do. He's in the middle

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00:25:32.400 --> 00:25:37.000
of all this, he and his
siblings. Uh, and uh his dad

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00:25:37.000 --> 00:25:44.680
who is in prison. Basically,
Devon's granddad was the founder of Rockies Autos,

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00:25:45.119 --> 00:25:49.599
Dave Rothrock. Dave worked his ass
off his whole life and had a

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00:25:49.680 --> 00:25:56.160
giant of state. And he supposed
they had a prenup that said, you

331
00:25:56.200 --> 00:26:00.680
know, I'm not leaving my wife
much. The kids are get everything,

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00:26:00.119 --> 00:26:06.759
or my son and his kids.
And now she's challenging that because she said

333
00:26:06.960 --> 00:26:12.680
there is a will that was written
after that, and the will negated the

334
00:26:12.720 --> 00:26:18.400
pre nup. And I guess Dan
mackenzie, attorney at law, if in

335
00:26:18.519 --> 00:26:23.359
fact they had a prenup, he
could write a will that would negate it,

336
00:26:23.440 --> 00:26:26.160
right, I mean, that would
be his right to do that,

337
00:26:26.279 --> 00:26:32.000
as that's usually how that works.
You have the prenup agreement with your spouse

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00:26:32.000 --> 00:26:33.839
saying, we can write each other
out of each other's plans or give less

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00:26:33.880 --> 00:26:37.839
than we're required to under the state
law, and then you would execute a

340
00:26:37.880 --> 00:26:42.440
plan doing that. If you don't
execute the plan, whether a prenup qualifies

341
00:26:42.480 --> 00:26:45.960
as a will, you just got
to run through they qualify. Yeah.

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00:26:45.039 --> 00:26:57.799
So now, Devin, are you
and your brother represented devn Yes? Okay,

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00:26:57.839 --> 00:27:03.400
so you have an attorney, right, yeah, yeah, everything should

344
00:27:03.400 --> 00:27:07.000
be sort of out. I guess. The main question was like, uh

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00:27:07.519 --> 00:27:10.559
yeah, if you guys can I
guess come to agree on things. It's

346
00:27:10.559 --> 00:27:14.519
better to settle it than just drag
it out. Basically, now, now

347
00:27:14.559 --> 00:27:18.000
hold on, yes and no.
I mean, if you feel there's fraud

348
00:27:18.079 --> 00:27:22.000
going on with that will, what
are the steps there? And I mean

349
00:27:22.400 --> 00:27:26.880
what he says, when does when
is it worth fighting? I mean how

350
00:27:26.039 --> 00:27:30.880
how does? What would they do
to go about proof of trying to prove

351
00:27:30.960 --> 00:27:33.759
that part of that will was kind
of forged basically is what he's saying.

352
00:27:33.799 --> 00:27:37.720
I mean, an initial question is, let's say we knocked that will out.

353
00:27:37.759 --> 00:27:41.720
What happens? Was there a previous
will leading everything to your family?

354
00:27:41.119 --> 00:27:45.799
If there isn't. If no,
there wasn't, so it would be so

355
00:27:45.880 --> 00:27:49.680
if you if you knock out the
will, the pre nup isn't necessarily a

356
00:27:49.680 --> 00:27:56.880
will, but at least it at
least would show his intentions toward his wife,

357
00:27:56.960 --> 00:28:00.799
right, Yeah, But is he
allowed to disinherit her in a prenup?

358
00:28:02.279 --> 00:28:03.720
I mean, if that's what they
said in the prenup, that's usually

359
00:28:03.759 --> 00:28:07.680
what prenups say. But okay,
to see the prenup. And how long

360
00:28:07.720 --> 00:28:12.000
were they married devon a good chunk
of time. Twenty years? Yeah,

361
00:28:12.400 --> 00:28:17.599
So, so under normal circumstances,
without a prenup, she'd be entitled to

362
00:28:17.599 --> 00:28:19.480
fifty percent of the estate, isn't
that right? Dan? If he left

363
00:28:19.480 --> 00:28:22.000
a will leaving her out. If
he had no will at all, then

364
00:28:22.039 --> 00:28:26.079
it's a different calculation. So if
she has no let's say they knocked the

365
00:28:26.119 --> 00:28:30.640
will out, what would happen?
Then? Under these we would go back

366
00:28:30.680 --> 00:28:33.119
to the previous will if there was
one. If there wasn't one, would

367
00:28:33.160 --> 00:28:34.920
either there was one then he died
in testape? Then what does that mean?

368
00:28:36.279 --> 00:28:40.279
So under that, the spouse gets
the first two hundred and seven thousand

369
00:28:40.319 --> 00:28:44.079
dollars of the person's estate and then
splits everything above that fifty to fifty with

370
00:28:44.160 --> 00:28:47.559
the kids. Of the person who
died, So really, yeah, and

371
00:28:47.559 --> 00:28:49.200
that could be a lot, that
could be a lot. Yeah, but

372
00:28:49.279 --> 00:28:53.160
it's fifty to fifty after the first
she gets two hundred plus fifty percent.

373
00:28:53.519 --> 00:28:57.720
Yeah, that's if Devin, there
was no will. In other words,

374
00:28:57.759 --> 00:29:03.519
if you negate that will and call
it quits. Now, can ken a

375
00:29:03.640 --> 00:29:06.960
judge actually picked part of the will
and say this is genuine? But this

376
00:29:07.039 --> 00:29:11.000
part doesn't look genuine. Can you
actually have part of a will? Uh

377
00:29:11.400 --> 00:29:15.759
ruled? Uh? You know,
not genuine? I don't think so.

378
00:29:17.240 --> 00:29:19.799
I don't. I've never heard of
that. And Devin, are you saying

379
00:29:19.839 --> 00:29:26.680
there's there's obviously two parts to this
will and he signed one, but do

380
00:29:26.720 --> 00:29:30.440
you think the other was added?
I get added later at a different date,

381
00:29:30.519 --> 00:29:36.759
added to the note after he passed
away. And there's no actual physical

382
00:29:36.759 --> 00:29:45.279
copy of it, just a picture. Really, just we'll get it figured

383
00:29:45.319 --> 00:29:48.519
out. Well. Listen, Devin, I really appreciate calling, and if

384
00:29:48.559 --> 00:29:52.079
you ever need anything else, you
can call us off the air as well.

385
00:29:52.119 --> 00:29:55.880
Three h three seven to one three
talk. Here's the deal. What

386
00:29:55.880 --> 00:29:59.640
I'm saying to is, point blank, if you think there's fraud, you

387
00:30:00.039 --> 00:30:06.119
usually it's worth going after because and
then and thank you Devin. On on

388
00:30:06.119 --> 00:30:07.880
this topic, you said there's a
picture of it, not the original.

389
00:30:07.880 --> 00:30:12.680
What happens then, I mean,
that's treated like a copy. So Mike,

390
00:30:12.680 --> 00:30:15.640
I said, if you only have
a copy, like they'll throw it

391
00:30:15.640 --> 00:30:21.079
out. It was destroyed, Devin. If all they have and all Darlene

392
00:30:21.119 --> 00:30:26.839
has is a copy, they will
call it. Uh, they'll presume it

393
00:30:26.920 --> 00:30:30.079
was destroyed. Now the personal rapp
can still put forth evidence saying look now

394
00:30:30.119 --> 00:30:34.519
they're really this is this definitely was
the will It gets messy, It gets

395
00:30:34.559 --> 00:30:38.359
messy, all right? Three oh
three seven one three talk seven one three

396
00:30:38.400 --> 00:30:41.960
eight two five five. Carla,
you have a question about an EV rebate?

397
00:30:44.319 --> 00:30:48.480
Yes, what's going on? I
bought a plug in hybrid hundred plug

398
00:30:48.480 --> 00:30:53.000
in hybrid in November and counted on
the five thousand dollars rebates from the state.

399
00:30:55.079 --> 00:30:59.319
Yeah, is there a five thousand
because okay, go ahead, Well

400
00:30:59.400 --> 00:31:02.519
submitted that ever take to the stake
and it was denied because I did not

401
00:31:02.720 --> 00:31:07.079
have a copy of the window sticker. Why you have thirty days? Yeah,

402
00:31:07.119 --> 00:31:11.559
well that's one of the things they
want. Anyway, you get thirty

403
00:31:11.640 --> 00:31:18.240
days to reply. I sent all
the documentation on four excuse me four seventeen.

404
00:31:19.119 --> 00:31:22.000
Now, wait a minute, is
the dealer getting you this? Did

405
00:31:22.000 --> 00:31:26.480
the dealer get you the sticker they
gave me? Well, I went back

406
00:31:26.519 --> 00:31:30.920
to them and they gave me a
copy of the sticker and I submitted this,

407
00:31:30.240 --> 00:31:34.559
and okay, is the state good
with that? Well, you can't

408
00:31:34.599 --> 00:31:38.480
get a hold of the state I
have you know. I went online and

409
00:31:38.480 --> 00:31:44.000
I said, you sit here within
thirty days for refund only. Technically this

410
00:31:44.039 --> 00:31:49.920
is a rebate. And I tried
calling the tax helpline and quote, they

411
00:31:49.920 --> 00:31:53.759
can't take the call through the high
volumes. And I've tried that four or

412
00:31:53.799 --> 00:31:57.240
five times. So it's just kind
of like, I don't know where you

413
00:31:57.480 --> 00:32:01.039
go. Here's what I want to
know. When you file your taxes and

414
00:32:01.119 --> 00:32:07.119
you put in your car and all
that, don't you just get a credit?

415
00:32:07.480 --> 00:32:10.799
Why do you have to say you
don't send the sticker in with your

416
00:32:10.839 --> 00:32:15.240
taxes, do you Well, they
want all of that. Yes, Wait,

417
00:32:15.400 --> 00:32:20.960
when you file your taxes, fail
your registration, there's about four or

418
00:32:21.000 --> 00:32:24.440
five things that they want in order
to get that five thousand dollars. Now

419
00:32:24.559 --> 00:32:29.279
is it a five thousand dollars tax
credit on state tax or is it a

420
00:32:29.359 --> 00:32:32.160
check? Well, it. Technically, I think it is called a rebate

421
00:32:32.799 --> 00:32:37.160
from the state, and so when
we submitted to taxes, it was included

422
00:32:37.200 --> 00:32:45.759
with my refund and they denied the
five thousand rebate. So that's a lot

423
00:32:45.759 --> 00:32:47.640
of money to get a check.
Well, that's a lot of money,

424
00:32:49.039 --> 00:32:52.960
I mean. So I need to
find out from people who know about these

425
00:32:53.039 --> 00:32:59.720
ev rebates. We need to research
this for you. So what are they

426
00:32:59.759 --> 00:33:02.799
saying after you sent in the documentation? You just can't You didn't hear anything,

427
00:33:02.880 --> 00:33:08.759
right, Well, they said that
if they amended what my refund would

428
00:33:08.799 --> 00:33:13.519
be and took the five thousand dollars
off the refund, Yes, and then

429
00:33:13.559 --> 00:33:16.720
they give you a whole bunch of
different things that maybe you didn't send in

430
00:33:16.759 --> 00:33:24.079
correctly. But they did give you
the provisional credit. No, they denied

431
00:33:24.119 --> 00:33:30.079
it and gave me a thirty days
to protest it, which I did and

432
00:33:30.200 --> 00:33:36.440
send an additional documentation which I sent
in. Okay, When did you send

433
00:33:36.440 --> 00:33:39.279
it in? When are the thirty
days up? Well, I received the

434
00:33:39.400 --> 00:33:44.960
letter of dated April third. I
sent in the documentation or my accountant did,

435
00:33:45.240 --> 00:33:50.559
on April seventeenth, okay, and
so you have not heard anything since

436
00:33:50.599 --> 00:33:54.079
then? No, I have not, and I have tried to contact them

437
00:33:54.119 --> 00:33:57.920
either online. I don't want to
give you hold on. I want our

438
00:33:59.440 --> 00:34:05.359
deputy to look into this because really
this gets complicated. We need to look

439
00:34:05.359 --> 00:34:09.320
into the general procedures and where you
submitted the paperwork. Did they acknowledge that

440
00:34:09.360 --> 00:34:16.480
they got your paperwork? Yes,
they did. They did sit And did

441
00:34:16.519 --> 00:34:20.840
they say you'll be hearing from us? What did they say when you submitted

442
00:34:20.880 --> 00:34:23.639
your paperwork? Well, you get
a letter. I got a letter back

443
00:34:23.679 --> 00:34:30.960
telling me that the tax refund was
amended and the five thousand dollars was taken

444
00:34:30.000 --> 00:34:35.639
away because I did not submit all. I get that now, I know

445
00:34:35.760 --> 00:34:38.800
that. But after they said they
got your paperwork, did they say we'll

446
00:34:38.840 --> 00:34:44.440
be getting back to you. No, they said you have thirty days to

447
00:34:44.559 --> 00:34:47.480
protest and send in I know.
And then you sent it in and then

448
00:34:47.519 --> 00:34:52.199
they told you they got your paperwork. Did did they say anything? Not?

449
00:34:52.119 --> 00:34:59.000
After after we resubmitted on April seventeenth, I have heard nothing from this,

450
00:34:59.119 --> 00:35:00.639
Okay, I ca got it.
Hold on three oh three seven to

451
00:35:00.639 --> 00:35:08.440
one three talk seven one three eight
two five five. My turn to tell

452
00:35:08.440 --> 00:35:15.159
you about Genesis tootalexteriors dot com.
Genesis will do everything on the outside of

453
00:35:15.159 --> 00:35:17.320
your house. And right now a
lot of people at face storm damage and

454
00:35:17.360 --> 00:35:21.400
the hail was so big and furious
that it hurt not just the roof,

455
00:35:21.480 --> 00:35:23.639
but the siding and windows and decks
and painting and all of that. Well,

456
00:35:23.719 --> 00:35:28.599
Genesis can handle all of that,
whether it's an insurance claim or you

457
00:35:28.679 --> 00:35:31.679
simply want to do home improvements.
They can also help you cover up your

458
00:35:31.760 --> 00:35:37.880
siding with upgraded stucco, real stucco, and they do mold mitigation and detection,

459
00:35:38.119 --> 00:35:43.320
so if you have mold, call
them Genesis. Tootalexteriors dot com three

460
00:35:43.360 --> 00:35:50.480
oh three six seven nine eight five
zero nine QC Colorado dot com. I

461
00:35:50.920 --> 00:35:55.440
tell you, I can't tell you
enough how I appreciate this whole house fan

462
00:35:55.519 --> 00:36:00.000
that I've had installed. And I'm
going on my UH fifty. I think

463
00:36:00.400 --> 00:36:05.880
I've had it for four seasons,
and it's amazing how comfortable it keeps my

464
00:36:06.000 --> 00:36:10.079
home with little or no air conditioning. I must have saved eighty to ninety

465
00:36:10.079 --> 00:36:15.039
percent on air conditioning because it only
works a fraction of the time I keep

466
00:36:15.079 --> 00:36:20.000
that on. It keeps the temperatures
cool and even, and it expels all

467
00:36:20.079 --> 00:36:23.840
the real heat out the attic through
the attic fens and here's the deal.

468
00:36:24.199 --> 00:36:30.119
It's all installed within an hour or
so from Qccolorado dot com. And after

469
00:36:30.159 --> 00:36:36.079
that it's smooth sailing with remote controls
so there's no wiring in the walls.

470
00:36:36.360 --> 00:36:39.320
You're gonna want to see these people
in your home to save money and have

471
00:36:39.360 --> 00:36:45.880
a more comfortable home and wonderful nights. Three three eight hundred thirty four nineteen

472
00:36:45.960 --> 00:36:50.800
three three eight zero zero three four
one nine. It'll pay for itself.

473
00:36:51.599 --> 00:36:55.079
Hey, you want another bargain?
What about QC Colorado, I mean excoose

474
00:36:55.079 --> 00:36:59.800
me. What about Europlumbing? Man, this is unbelievable. You're a plumbing

475
00:36:59.800 --> 00:37:02.559
col Dolorado dot net. Here's what
they do. They do water heaters at

476
00:37:02.559 --> 00:37:07.079
the best prices anywhere, no one
can touch them. No. Thirteen ninety

477
00:37:07.159 --> 00:37:10.360
nine for a forty gallon tank fully
installed, the old one hauled away,

478
00:37:12.159 --> 00:37:15.719
or fourteen ninety nine for a fifty
gallon And then they say, if you

479
00:37:15.760 --> 00:37:21.679
need other plumbing repairs, you will
never do a better deal than Europlumbing Colorado

480
00:37:21.840 --> 00:37:32.000
dot net three three sixty six eight
six eight four four Hi Tom Martino here

481
00:37:32.039 --> 00:37:35.880
three three seven one three talk seven
one three, two, five five.

482
00:37:35.960 --> 00:37:37.800
Let's go right to the phones.
Mark. You have an issue with concrete.

483
00:37:37.800 --> 00:37:44.000
What's going on? Man? Oh
man? First of all, never

484
00:37:44.039 --> 00:37:47.440
pay in cash ahead for a concrete
Oh. Now, you know what,

485
00:37:47.920 --> 00:37:52.679
I'll tell you this concrete is a
real challenge to do it right. And

486
00:37:52.760 --> 00:37:59.480
here's the problem. To do it
right take so much prep and grooming afterwards

487
00:38:00.159 --> 00:38:06.880
that I believe people cheap out and
therefore they're hiring people that can't possibly do

488
00:38:06.960 --> 00:38:08.400
it right for that price. Now
I'm not saying that's what you did,

489
00:38:08.400 --> 00:38:14.480
but tell me about it all right. What I did was I contracted,

490
00:38:14.519 --> 00:38:19.440
I entered into a written contract June
twelfth of twenty three to create two patio

491
00:38:19.559 --> 00:38:25.559
extensions from my current backyard patio going
outward and to contact with four raised gardens

492
00:38:25.920 --> 00:38:31.159
four x eight x two and some
stairs that go down to the lower deck.

493
00:38:31.599 --> 00:38:38.880
Portion with who'd you contract with?
I contracted this with Horizon Roofing and

494
00:38:39.000 --> 00:38:49.320
Concrete Services of the aka Joe's Roofing
and Paving. Okay, Joe, So

495
00:38:49.440 --> 00:38:55.960
it's Horizon Roofing and Concrete, yes
services, right, and then they also

496
00:38:57.039 --> 00:39:00.159
have a DBA Okay, So what
happened, Well, what I did was

497
00:39:00.239 --> 00:39:04.239
when I contracted him. He says, well, I'm going to need about

498
00:39:04.239 --> 00:39:07.679
a third up front. If you're
pay in cash, I'll give you a

499
00:39:07.679 --> 00:39:14.440
great discount because I have Mexican workers
that I can pay without having to keep

500
00:39:14.519 --> 00:39:16.599
records and so forth. And I'm
going, well, that's fine. How

501
00:39:16.679 --> 00:39:20.760
much is the discount and how much
is the price? So he quoted me

502
00:39:20.800 --> 00:39:25.719
at thirty thousand to do the two
decks. That sounds okay. Hold on

503
00:39:25.760 --> 00:39:29.960
a second, let's come back to
you. I'm hoping we can do something

504
00:39:30.000 --> 00:39:34.239
for you. And again, this
is not unusual. We've handled them before.

505
00:39:34.280 --> 00:39:37.119
I'm Tom Martinez. We also have
a follow up coming up with Deputy

506
00:39:37.239 --> 00:39:40.679
Chopper and an RV issue. Let's
talk about all of it. And your

507
00:39:40.719 --> 00:39:58.679
problem's coming up. Yeah you need
who you don't have? Come a running

508
00:39:58.880 --> 00:40:05.960
just the status. Yeah, Shooter's
gonna help coming man. This is the

509
00:40:06.119 --> 00:40:15.320
Troubleshooter Show. No Tom Martino,
Hi Tom Martino, Your Troubleshooter three O

510
00:40:15.440 --> 00:40:20.199
three seven one three talk three all
three seven one three eight two five five.

511
00:40:20.840 --> 00:40:23.039
Welcome to the show. Denver.
Regen dot com, by the way,

512
00:40:23.159 --> 00:40:28.840
is doing hair replacement with this special
stem cell therapy. They're having great

513
00:40:28.880 --> 00:40:32.199
results. They're also doing, of
course, semi glue tide compounded for a

514
00:40:32.199 --> 00:40:37.800
weight loss at two hundred and fifty
bucks a month. That's Denver Regen dot

515
00:40:37.800 --> 00:40:40.880
com. Hey, I just found
out for my YouTube morons. Then I

516
00:40:40.880 --> 00:40:50.119
looked it up. Tyson uh said
he's not gonna fight Jake Paul, and

517
00:40:50.280 --> 00:40:53.280
Uh, Jake Paul some YouTube guy
that got to be a great boxer.

518
00:40:53.800 --> 00:40:59.039
I guess he's really good and beating
the hell out of people. And then

519
00:40:59.039 --> 00:41:01.480
he and Mike Tyson hooked up a
match that was supposed to happen in July.

520
00:41:02.519 --> 00:41:06.599
Mike Tyson says he hasn't been able
to train because of a health scare.

521
00:41:07.280 --> 00:41:12.119
He calls it a postponement, not
a cancelation. But in any case,

522
00:41:13.360 --> 00:41:16.400
I guess this Jake Paul is really
some kind of sensation. But he

523
00:41:16.599 --> 00:41:22.679
claims not only is he going to
beat this guy coming up that replaced Tyson,

524
00:41:22.719 --> 00:41:27.400
he's gonna beat Tyson as well,
and then he's gonna go get McGregor.

525
00:41:29.079 --> 00:41:37.079
So he says any kind of fighting, he can whoop anyone. And

526
00:41:37.440 --> 00:41:40.440
I have not seen him fight.
Has anyone seen him fight? Have you

527
00:41:40.440 --> 00:41:45.039
seen him fight? Scher? I
mean I I h Shannon, Have you

528
00:41:45.039 --> 00:41:51.440
seen him? I haven't seen him. Three oh three seven one three talk

529
00:41:51.559 --> 00:41:55.480
seven one three eight two five five. So we're talking to Mark about a

530
00:41:55.519 --> 00:42:01.960
contract he had with a concrete guy. So, Mark, where did we

531
00:42:02.039 --> 00:42:06.440
leave office? So this was June
of twenty twenty three. We're coming up

532
00:42:06.480 --> 00:42:07.960
on a year, right, you
know? Yeah, passed a year?

533
00:42:08.679 --> 00:42:13.480
And did he ever pour it?
By the way, No, what he

534
00:42:13.519 --> 00:42:17.079
did was he had a guy come
out and demolish my backyard and compact some

535
00:42:17.239 --> 00:42:23.000
of the soils and that was it. And wait, so when did the

536
00:42:23.000 --> 00:42:28.599
guy come out and prepare the ground? Oh, maybe about a week and

537
00:42:28.639 --> 00:42:34.960
a half after we signed a contract. And what did he do? Well?

538
00:42:35.159 --> 00:42:37.519
I believe this guy is a subcontractor
for other Yeah, but what did

539
00:42:37.519 --> 00:42:43.119
he do? Came in, he
pulled out all my railroad ties, removed

540
00:42:43.159 --> 00:42:50.559
and demolished any shrubs and bushes from
side to side. But after that,

541
00:42:50.760 --> 00:42:54.840
no one else came back. No, sir, Okay, how much did

542
00:42:54.840 --> 00:43:01.760
you pay up front? Eighteen five
hundred? Oh my god? Yes,

543
00:43:05.440 --> 00:43:07.840
So what does he have to say? What is the guy's name you're dealing

544
00:43:07.840 --> 00:43:12.840
with there? This sounds like sleeves
Brigade? What's the guy's name, His

545
00:43:12.920 --> 00:43:22.719
name is Joe Perkowitz. Joe Perkowitz. Yes, And what does Joe Perkowitz

546
00:43:22.719 --> 00:43:28.760
say about this? Well, he
says, well, I didn't realize when

547
00:43:28.760 --> 00:43:32.679
I went out of state that my
foreman went and took your money and gambled

548
00:43:32.679 --> 00:43:37.880
it away up in Blackhawk. So
who did you pay the who do you

549
00:43:37.920 --> 00:43:45.639
pay the money to? His foreman? And you did pay it to him?

550
00:43:46.000 --> 00:43:51.079
And and yes, and this guy
is saying he gambled away, so

551
00:43:51.119 --> 00:43:55.519
it's not his problem. Well,
he is assuming the problem. And here's

552
00:43:55.559 --> 00:43:59.840
what his agreement back to me was, which is I think is just lips

553
00:43:59.920 --> 00:44:02.559
orervis. But he said, I'll
come back and for the remainder, I'll

554
00:44:02.599 --> 00:44:07.840
finish all the cement work, and
for the remainder of what you owe me,

555
00:44:07.239 --> 00:44:10.719
which is nearly ten thousand, he
says, and you don't have to

556
00:44:10.760 --> 00:44:15.559
pay me until it's all done.
And he says, I think I can

557
00:44:15.599 --> 00:44:23.079
get it done, maybe June or
July of twenty four. And so I

558
00:44:23.119 --> 00:44:27.480
said, well, okay, can't
you give me a specific date? And

559
00:44:27.519 --> 00:44:30.440
he goes, well, I've got
to reassemble my crew when I get back.

560
00:44:30.519 --> 00:44:34.519
Well, tell me this, what
harm is it to let him try.

561
00:44:34.679 --> 00:44:37.840
Well, the thing is, I
don't believe him anymore. He doesn't

562
00:44:37.000 --> 00:44:42.119
answer my phone, and so I
filed a complaint for him with the State

563
00:44:42.119 --> 00:44:46.639
of Colorado, who they said,
you have certainly have a legitimate civil case

564
00:44:46.679 --> 00:44:51.519
here. Yeah, and he said, so are you going to court about

565
00:44:51.519 --> 00:44:55.280
it? Joe answered my call,
say again, and what's happening now?

566
00:44:57.559 --> 00:45:00.360
Nothing. I can't get a hold
of him again. I cannot get a

567
00:45:00.639 --> 00:45:06.760
confirm a date. I'm very nice
to him every time on his message machine,

568
00:45:06.800 --> 00:45:10.519
but I never get an answer.
Does he have a website? He

569
00:45:10.639 --> 00:45:15.800
does, but I think it's down
now. It's called Joe's Roofing and Paving

570
00:45:15.440 --> 00:45:22.960
dot com and it's all spelled out
Joe's Roofing and Paving dot com. Now

571
00:45:24.400 --> 00:45:30.079
he's probably out of business. Yeah, this isn't going through. Yes,

572
00:45:30.440 --> 00:45:34.400
he's taking it down or he didn't
pay for it. Oddly enough, I

573
00:45:34.480 --> 00:45:37.360
decided to go up to the address
that he had up in Golden to just

574
00:45:37.440 --> 00:45:43.119
knock on his door. Yeah,
and I was met with his landlord sweeping

575
00:45:43.119 --> 00:45:45.400
out the last of his dust,
saying that he was evicted for non pavement

576
00:45:46.400 --> 00:45:51.760
and he abandoned his truck up the
street. You got screwed, drub,

577
00:45:52.800 --> 00:45:58.679
you got screwed? Here? How
do I get it over this? Well?

578
00:45:58.800 --> 00:46:01.199
I mean, listen, you you
made a big mistake. People do

579
00:46:01.280 --> 00:46:06.559
it all the time. I mean, where'd you find this clown? Well?

580
00:46:06.639 --> 00:46:10.119
I vetted him off of five people
that offered the job. Wait a

581
00:46:10.199 --> 00:46:13.039
minute, and does what do you
mean? What do you? How do

582
00:46:13.119 --> 00:46:15.639
you vet the guy? Tell me
how you vetted him? Well? I

583
00:46:15.679 --> 00:46:21.760
found him online and I saw you
vet him. I looked him up.

584
00:46:22.360 --> 00:46:24.119
I looked him up. Hold on, you you looked on online reviews?

585
00:46:25.000 --> 00:46:30.800
Online reviews, Yes, online reviews. There are none, so so hold

586
00:46:30.880 --> 00:46:34.480
on, there are none? So
where'd you find the reviews? What do

587
00:46:34.559 --> 00:46:37.039
you mean? Not? Now,
he can't take him down. He didn't

588
00:46:37.079 --> 00:46:43.039
take him down. So they were
just on his website and nowhere else.

589
00:46:43.119 --> 00:46:45.440
Then? Okay, so you didn't
vet him? Did you talk to any

590
00:46:45.480 --> 00:46:51.800
references? No? What does vetting
mean? No? No, I don't

591
00:46:51.840 --> 00:46:53.599
mean to give you a hard time, bro, But what does vetting mean

592
00:46:53.679 --> 00:46:58.920
to you? Talk to the guy? Well, talk to him and look

593
00:46:59.000 --> 00:47:00.280
him up and see if you can. You didn't look up at Okay,

594
00:47:00.280 --> 00:47:04.159
where'd you look him up? That's
what I'm asking? Where did you look

595
00:47:04.239 --> 00:47:07.440
him up. There's no reviews about
him except bad ones. Where did you

596
00:47:07.480 --> 00:47:14.280
look him up? Only online?
Wherever? Okay, tell me where I'm

597
00:47:14.320 --> 00:47:17.360
trying to find out because I can't
find him. Tell me where you looked

598
00:47:17.400 --> 00:47:23.199
him up? All right, Angie's
Angie's List, Angie's list, and hold

599
00:47:23.239 --> 00:47:28.320
on, hold on. That's not
vetting someone, that's selecting someone. So

600
00:47:28.400 --> 00:47:31.599
how did you vet him off of
Angie's list? This is where you found

601
00:47:31.639 --> 00:47:39.320
him on Angie's List? Yes,
I believe I did, Oh my god,

602
00:47:39.679 --> 00:47:44.519
but yes, improper vetting and pay
well, there's no no, there

603
00:47:44.559 --> 00:47:50.800
was zero vetting and zero sense to
put to give eighteen thousand dollars to someone

604
00:47:50.840 --> 00:47:54.000
up front is absolutely ridiculous. I
am so sorry, but I don't think

605
00:47:54.039 --> 00:47:58.039
there's a chance in hell you're going
to get this money back. Do you

606
00:47:58.079 --> 00:48:04.079
have money to finish I have money
to finish it, I don't mean to

607
00:48:04.119 --> 00:48:09.280
finish it. Do you have money
to do the job? Not accumulated right

608
00:48:09.320 --> 00:48:13.079
now? I have to save up
again. I'm so sorry for you,

609
00:48:13.159 --> 00:48:15.440
man, I really am. I
mean, I don't I'm not angry with

610
00:48:15.480 --> 00:48:20.559
you or anything. It's just too
bad that people do this and they trust

611
00:48:20.639 --> 00:48:24.920
these clowns. It is, it
is, It's terrible. So have you

612
00:48:25.039 --> 00:48:29.039
looked up? I mean, Hector
tried to find this guy at all.

613
00:48:31.400 --> 00:48:36.679
Well, do you have a phone
number? Yes? I have a phone

614
00:48:36.760 --> 00:48:42.760
number. Does it still work?
Yes? It does? What's his phone

615
00:48:42.800 --> 00:48:51.719
number? Seven two zero seven eight
to one eight two five three? And

616
00:48:51.800 --> 00:48:58.320
does he answer only an answering machine? When I called the state, they

617
00:48:58.360 --> 00:49:04.079
answer, He answered them. And
then after the State called me back and

618
00:49:04.119 --> 00:49:07.960
said, yeah, I talked to
him, and you should try to give

619
00:49:07.000 --> 00:49:10.440
him a call. So I called
him and then he answered. At least

620
00:49:10.480 --> 00:49:15.119
he answered, and we talked very
nice. When was last time? When

621
00:49:15.199 --> 00:49:22.760
was last time? You talked to
him? About two months ago? And

622
00:49:22.239 --> 00:49:25.599
he was going to come out and
finish. Yeah, he was going to

623
00:49:25.639 --> 00:49:30.760
have assemble a new crew and come
out. And for the price that I

624
00:49:30.880 --> 00:49:34.079
paid him. He says, I
can't just give you a refund. He

625
00:49:34.159 --> 00:49:37.760
says, I don't have that resource, but I can. You know,

626
00:49:37.960 --> 00:49:40.679
I can come out and finish the
job and charge you for the remainder of

627
00:49:40.719 --> 00:49:45.159
the contract. Hold on a second
here, let's hear hold on. Okay,

628
00:49:45.360 --> 00:49:52.400
All right, well, this is
Tom Martine. You're live on my

629
00:49:52.559 --> 00:49:59.280
radio show because you're ripping people off, you scumbag. Joe Perkowitz, you're

630
00:49:59.360 --> 00:50:02.559
ripping people off. What do you
have to say about that? Mark paid

631
00:50:02.599 --> 00:50:07.199
you eighteen grand and you didn't show
up. We're coming after you legally.

632
00:50:07.440 --> 00:50:10.480
We're going to have you arrested under
the contractor under the Contractor's Trust Act.

633
00:50:10.519 --> 00:50:15.800
What do you think about that?
Joe? Hell? Yeah, what do

634
00:50:15.840 --> 00:50:17.880
you think about that? This is
Tom Martinez. You're live on the air,

635
00:50:19.199 --> 00:50:22.280
and you paid, You got paid
eighteen thousand dollars up front from Mark

636
00:50:22.480 --> 00:50:27.559
and he didn't get anything. I
don't know who you're talking about then,

637
00:50:28.440 --> 00:50:34.320
yeah, right, scumbag? Yeah? See is that him? No?

638
00:50:35.559 --> 00:50:43.639
Is that him? Yep? That
was him? Yeah. Well, at

639
00:50:43.719 --> 00:50:46.519
least we got through to him,
didn't we. Sure. See he's blocking

640
00:50:46.559 --> 00:51:00.360
mine he's either blocking or filtering my
number so that he knows who's calling now.

641
00:51:00.360 --> 00:51:05.599
He won't answer, of course you
won't. No. Yeah, this

642
00:51:05.719 --> 00:51:07.480
is Tom Martine. You're live on
the air. We're letting people know what

643
00:51:07.519 --> 00:51:10.519
a scumbag you are for ripping people
off. Are you going to come through

644
00:51:10.559 --> 00:51:15.039
for this guy and give his money
back? Who are you looking for?

645
00:51:15.440 --> 00:51:19.880
I'm looking for you? Talk to
him, bro, Talk to him,

646
00:51:20.000 --> 00:51:23.360
go ahead, talk to him.
Mark, Joe, come on, give

647
00:51:23.360 --> 00:51:27.880
me a confirmed date and tell me
that you're coming out and finishing my work,

648
00:51:29.679 --> 00:51:32.719
because I'm getting tired of being put
off. Do you hear, Mark?

649
00:51:34.239 --> 00:51:37.559
Hello, you took eighteen thousand dollars
from Mark and you did not You

650
00:51:37.599 --> 00:51:43.159
did not finish this, You didn't
start his job as concrete. Hello,

651
00:51:43.519 --> 00:51:50.920
Yeah, we're here man. Hello, Hello, what's going on? Joe?

652
00:51:51.599 --> 00:51:57.239
Joe Perkowitz? I'd him call him
right now? Mark? Or is

653
00:51:57.280 --> 00:52:05.000
he blocking your number from my cell
phone? Yeah? I'm gonna let you

654
00:52:05.039 --> 00:52:07.159
go, and then you're gonna call
us back. Call him right back,

655
00:52:07.480 --> 00:52:10.400
call him, he'll answer, go
ahead and then call me back. Three

656
00:52:10.400 --> 00:52:13.840
all three seven, one, three
eight two five five. I am so

657
00:52:14.000 --> 00:52:17.440
tired of scum sucking pigs. I'm
so tired of people getting ripped off.

658
00:52:19.159 --> 00:52:22.440
And you know why, because that
that is what our society is now.

659
00:52:22.639 --> 00:52:28.480
People get ripped off, and nobody
cares. People shoplift and nobody cares people

660
00:52:28.599 --> 00:52:30.880
steal, nobody cares. Okay,
I'm going to answer. Yeah, this

661
00:52:30.960 --> 00:52:37.800
is Tom Martine on my radio show. What's going on? Hello? Yes,

662
00:52:37.960 --> 00:52:43.239
Hello, how are you? Yes? Yes? I can so Mark

663
00:52:43.280 --> 00:52:46.320
wants Okay, I'm sorry man,
Okay, listen. As I said,

664
00:52:46.320 --> 00:52:51.039
I'm calling for my radio show.
We do a consumer show where people call

665
00:52:51.079 --> 00:52:54.119
in with problems and Mark, are
you there? Mark? Is Mark still

666
00:52:54.199 --> 00:52:59.800
there? Mark said, he paid
you eighteen thousand dollars last year to have

667
00:53:00.079 --> 00:53:04.519
Huncreek Port in his home, and
uh, you have done nothing. You

668
00:53:04.639 --> 00:53:07.519
sent the guy out there and the
guy tore up the ground, but you

669
00:53:07.599 --> 00:53:12.960
did no work. That's that's that's
untrue. That's untrue. Mark didn't pay

670
00:53:12.960 --> 00:53:15.960
me anything. Mark had a team
to go out there and they came across

671
00:53:15.960 --> 00:53:20.840
an agreement and they so that guy
wasn't yours. That guy wasn't yours.

672
00:53:21.239 --> 00:53:24.519
That he paid guy. That guy, uh, that he made an agreement

673
00:53:24.559 --> 00:53:29.159
with. It has another name.
I don't know what his exact name is,

674
00:53:29.400 --> 00:53:31.159
but Mark knows the name. So
that guy didn't work for you.

675
00:53:31.280 --> 00:53:35.519
God. No. He gave him
my business card and he drove my business

676
00:53:35.559 --> 00:53:37.719
truck because he stole it off the
street. And I've already done reported it.

677
00:53:37.760 --> 00:53:40.719
So hold on, Mark. This
guy is saying he's a victim.

678
00:53:40.840 --> 00:53:45.920
Joe is saying he's a victim.
Here Mark, I have never met Mark

679
00:53:45.960 --> 00:53:52.079
in my life. He Mark Mark
Mark, Mark, Mark, have you

680
00:53:52.119 --> 00:54:00.159
ever met Joe? Yes, he
came here with Scott. He met No,

681
00:54:00.239 --> 00:54:02.440
he never met me. He met
some other gentlemen. He knows their

682
00:54:02.519 --> 00:54:07.599
names and uh, and he gave
those gentlemen some money to repair his background.

683
00:54:07.719 --> 00:54:10.480
So those people did not work for
you. No, they did not

684
00:54:10.519 --> 00:54:14.519
work for me. They stole my
work truck. And in fact, Mark

685
00:54:14.599 --> 00:54:17.719
still has my tools out of my
work truck that they stole, and that

686
00:54:17.960 --> 00:54:23.239
he stole out of my work truck. And in trying to recur some of

687
00:54:23.280 --> 00:54:27.119
his money, I'm not sure exactly
I told him when I come in fun,

688
00:54:27.559 --> 00:54:30.639
I have no problems to coming there
and talking to him in person,

689
00:54:30.119 --> 00:54:34.559
and he'll see that he has never
met me. He has Whoever he dealt

690
00:54:34.599 --> 00:54:37.880
with is who he dealt with.
And I'm nice enough, you know so,

691
00:54:37.079 --> 00:54:39.920
Joe, you swear to God,
Joe, you have never met Mark

692
00:54:40.000 --> 00:54:45.880
before. I swear to God.
I've never met Mark a day in my

693
00:54:45.039 --> 00:54:49.800
life. He has met other gentlemen
that has helped him. Did other people

694
00:54:49.920 --> 00:54:53.880
did other people say they were you? Uh, it's possible. My name

695
00:54:53.960 --> 00:54:57.719
is all over my truck, my
phone number is all over my b did

696
00:54:57.760 --> 00:55:00.960
they Hey, let me ask you
something Joe did they did you have these

697
00:55:00.000 --> 00:55:06.760
guys arrested? I have pushed charges
already. I have recorded my truck stolen.

698
00:55:07.199 --> 00:55:10.719
I have recorded my tools stolen,
which Mark has already told me he

699
00:55:10.840 --> 00:55:15.039
had. I've done everything I can
Mark, Mark, Do you believe Joe

700
00:55:15.119 --> 00:55:19.960
here or does he sound familiar?
Does his voice sound like the guy you

701
00:55:20.039 --> 00:55:25.440
met? Yes? Well, are
you sure of that? Yes? And

702
00:55:25.559 --> 00:55:31.960
if I see a picture of Joe, I can identify him. But Joe

703
00:55:32.000 --> 00:55:37.880
says that I stole take tools out
of his truck and that I'm not correct.

704
00:55:38.239 --> 00:55:40.559
We're just to Joe. We're just
trying to help a guy out that

705
00:55:40.679 --> 00:55:45.960
spent eighteens man, I could imagine. And I know of this. I

706
00:55:45.039 --> 00:55:49.679
know of this story already. I
didn't know it was quite that exterior amount.

707
00:55:49.960 --> 00:55:52.920
What's the guy? What's the guy's
name that took the money? Get?

708
00:55:52.079 --> 00:55:55.840
What's his name? Do you know? God? God, I'm thinking

709
00:55:55.880 --> 00:56:00.400
of his last name. You know, I know him as Scott. And

710
00:56:00.679 --> 00:56:05.079
Scott never worked for you? No, No, he did in the past.

711
00:56:05.559 --> 00:56:09.559
He was fired and he came back
and stole my work truck and uh

712
00:56:10.000 --> 00:56:14.159
and and and that's how it's been. And I didn't know how long he

713
00:56:14.280 --> 00:56:19.840
had it and how long he was
doing all this before I actually found out

714
00:56:19.840 --> 00:56:25.639
that the truck wasn't in the art
truck by the way, Tom. This

715
00:56:25.880 --> 00:56:32.119
truck was abandoned by Scott's house that
got evicted. And when I went to

716
00:56:32.280 --> 00:56:38.039
Mark cultures of his truck, I
saw robbery in progress. Some kid,

717
00:56:38.280 --> 00:56:42.920
yea, but that has nothing to
do with Joe. That has nothing to

718
00:56:42.960 --> 00:56:50.320
do with Joe. I stopped the
robbery and and go ahead. And what

719
00:56:50.480 --> 00:56:54.320
happened of the tools? I told
Joe, come and get your tools.

720
00:56:54.719 --> 00:57:01.079
The least you know, Joe,
I'm just saying something. Joe here could

721
00:57:01.159 --> 00:57:07.760
be telling the truth about Scott ripping
him off, especially if you've never met

722
00:57:07.800 --> 00:57:12.800
him before. Hey, Joe,
are you on? I here's what I

723
00:57:12.840 --> 00:57:15.800
want to do. I want to
do a lineup of photos to see if

724
00:57:15.840 --> 00:57:20.519
he can pick you out. I
have no problem with that. Okay,

725
00:57:21.320 --> 00:57:23.480
could you if you could do me
a favor? Now you don't have to

726
00:57:23.519 --> 00:57:28.400
do anything, but if you could
do me a favor, and you can,

727
00:57:28.519 --> 00:57:30.920
if you can email us a picture, I promise you I won't show

728
00:57:30.920 --> 00:57:35.920
it to Mark until I put it
up against other pictures. I swear to

729
00:57:35.960 --> 00:57:38.920
you Joe, I don't know about
that. I got Mark information and I

730
00:57:39.199 --> 00:57:43.239
could send Mark the pictures that he
knows. Yeah, but if you said,

731
00:57:43.320 --> 00:57:47.519
okay, okay, Mark, why
don't you call Scott off the air

732
00:57:47.639 --> 00:57:52.480
right now, call him off the
air and have him have him text you

733
00:57:52.519 --> 00:57:57.719
a picture because he swears he's not
the person you dealt with. That's right,

734
00:57:58.039 --> 00:58:00.000
that's right. And he knows that
he knows who he was talking to,

735
00:58:00.639 --> 00:58:05.239
and he dealt with them. From
what I've learned, he dealt with

736
00:58:05.280 --> 00:58:10.679
them quite a few times, Scott
and Vincent, both and Leo. But

737
00:58:10.760 --> 00:58:15.679
he had the contract under my company's
name. So I told him I have

738
00:58:15.800 --> 00:58:19.719
no problems when I come back in
town this summer and coming back to the

739
00:58:19.760 --> 00:58:23.320
project and meeting him in person and
going over exactly what was done and exactly

740
00:58:23.320 --> 00:58:27.320
what is needed to be. From
what I was told, they did do

741
00:58:27.400 --> 00:58:31.280
some work. And I'm sorry that
he paid more than he should have,

742
00:58:31.559 --> 00:58:35.280
is what I is. What I'm
getting to, the determination here that he

743
00:58:35.760 --> 00:58:39.320
shouldn't have gave as much as he
has, assuming that he should have gave

744
00:58:39.400 --> 00:58:44.559
them because obviously the some work was
done well. He said, they tore

745
00:58:44.679 --> 00:58:49.039
up the ground to get it ready. And here's the other thing. He

746
00:58:49.159 --> 00:58:52.719
said he has ten due when the
job is done. So okay, that's

747
00:58:52.760 --> 00:58:55.719
good. That's good because that leaves
us some money to fix this job.

748
00:58:57.119 --> 00:59:00.639
And he also came up with a
simpler format to get this job done.

749
00:59:00.639 --> 00:59:04.840
So I don't, uh I lift
the boiling water on here. Okay,

750
00:59:04.920 --> 00:59:07.880
I'm gonna let listen. I want
Mark to call you and get a picture.

751
00:59:07.960 --> 00:59:09.880
Mark, why don't you let's give
him the benefit of the doubt until

752
00:59:09.920 --> 00:59:14.400
we find out differently, because he's
saying he was ripped off. Hold on

753
00:59:14.599 --> 00:59:16.400
and we'll do that. Listen,
Thank you, by the way, uh

754
00:59:16.519 --> 00:59:21.800
I appreciate that. And then let's
just see what's going on here. I

755
00:59:21.800 --> 00:59:23.599
want you to call him right now. Three zero three, seven to one

756
00:59:23.679 --> 00:59:28.519
three talks seven to one three eight
two five five. Do I owe you

757
00:59:28.559 --> 00:59:32.320
a break here, Shannon? Did
I not take am I overtime? Okay?

758
00:59:32.360 --> 00:59:37.400
More coming right up. Jordan Cano
is going to talk about the event

759
00:59:37.440 --> 00:59:44.000
this week Thursday. That's Thursday night, six point thirty at the Sheridan DTC.

760
00:59:44.199 --> 00:59:47.400
Go ahead, Jordan, tell us
what's in store and people I want

761
00:59:47.440 --> 00:59:51.440
them to know something they're not going
to be You're not going to be there

762
00:59:51.440 --> 00:59:52.760
trying to sell them stuff, tell
them what we're going to talk about.

763
00:59:53.519 --> 00:59:58.119
That's right, we're getting educational knowledge. I mean, we find that there's

764
00:59:58.159 --> 01:00:00.880
too much financial information in this world
that it's too hard to make decisions,

765
01:00:00.880 --> 01:00:07.079
whether it's protecting your money from market
crashes, from from economy town terms,

766
01:00:07.320 --> 01:00:09.079
or if it's just simply just trying
to figure out what are the right mortgages,

767
01:00:09.239 --> 01:00:13.480
how do you save on taxes,
long and care social security. This

768
01:00:13.639 --> 01:00:17.119
is what we do. We have
become the banker one of the best renowned

769
01:00:17.159 --> 01:00:20.599
financial strategies. And you know this, Tam, this has been around for

770
01:00:20.679 --> 01:00:24.880
many, many, many years talking
about building tax for money. We need

771
01:00:24.920 --> 01:00:29.159
to get Uncle Sam out of our
pockets and also just make sure that we're

772
01:00:29.159 --> 01:00:31.559
not stuck to the stock market.
So that's what we do with people are

773
01:00:31.599 --> 01:00:37.280
going to find out information how to
get ahead financially and protect themselves. And

774
01:00:37.800 --> 01:00:40.519
all they have to do is call
to get a reserve seat and there's no

775
01:00:40.719 --> 01:00:45.440
charge. So the number is three
oh three seven seven nine sixty six hundred.

776
01:00:45.639 --> 01:00:50.079
It's coming up and just two nights. That's Thursday night. That's three

777
01:00:50.159 --> 01:00:54.239
oh three seven seven nine sixty six
hundred. Seven seven nine sixty six zero

778
01:00:54.360 --> 01:01:00.039
zero. Now I want to tell
you about an attorney law as one of

779
01:01:00.079 --> 01:01:04.599
our experts on the show here for
personal injury, and that's John Fuller Fuller

780
01:01:04.679 --> 01:01:09.400
Law. Now you've heard me talk
about John and what he does for consumers

781
01:01:09.440 --> 01:01:14.119
who call him for help. He
urges you to call him if you're in

782
01:01:14.159 --> 01:01:17.280
an accident, you've been injured,
you have questions, because he'll give you

783
01:01:17.599 --> 01:01:21.079
ideas of what to do right off
the bats, so you don't lose any

784
01:01:21.119 --> 01:01:23.000
of your rights and you don't make
any stupid moves. And that's all free

785
01:01:23.039 --> 01:01:28.480
of charge, complimentary if you decide
to hire John, and you will get

786
01:01:28.559 --> 01:01:30.400
to talk to him. So if
you decide to hire him, you can

787
01:01:30.440 --> 01:01:35.199
do it on a percentage fee basis
and there's no money out of pocket.

788
01:01:35.960 --> 01:01:38.320
He will give you his cell phone
number that you can call her text at

789
01:01:38.320 --> 01:01:44.800
any time. He believes in that
personal touch when it comes to personal injury.

790
01:01:45.840 --> 01:01:50.360
Notice the Fuller difference three oh three
five nine seven forty five hundred five

791
01:01:50.480 --> 01:02:01.679
nine seven four or five zero zero
my accident lawyer dot co. Hey,

792
01:02:01.719 --> 01:02:06.760
I'm Tom Martine. You're a troubleshooter. Three h three seven one three talking

793
01:02:07.679 --> 01:02:10.199
seven one, three, eight,
two five five Mark, I want Mark

794
01:02:10.239 --> 01:02:14.360
to call I'm gonna I'm not taking
Mark. I want Mark to call him

795
01:02:14.400 --> 01:02:16.039
off the air. See what we
can what's that? Oh? He did?

796
01:02:16.360 --> 01:02:22.039
I'm sorry? Okay, there you
go, Mark can go ahead.

797
01:02:22.119 --> 01:02:25.039
Yes, did you talk to him
off the air? Yes? I talked

798
01:02:25.039 --> 01:02:28.880
to him off the air and he
says, oh, so you went behind

799
01:02:28.920 --> 01:02:30.840
my back. And he says,
we had an agreement to do this.

800
01:02:31.280 --> 01:02:35.199
Uh. Yeah, but that doesn't
mean it was him. He yeah,

801
01:02:35.320 --> 01:02:37.599
he told me that he he was
going to work out something with you.

802
01:02:37.639 --> 01:02:43.360
But are you sure that is the
guy that you have previously met with?

803
01:02:44.800 --> 01:02:47.719
Well, if someone else was impersonating
his names, then then I don't know

804
01:02:47.800 --> 01:02:52.559
his face. But but what about
his voice? Usually people, I mean

805
01:02:52.639 --> 01:02:55.199
it's you. I would know if
I had met the guy and talked to

806
01:02:55.239 --> 01:03:00.519
him before by talking to him right
right and I talk, Well, how

807
01:03:00.559 --> 01:03:02.760
would I get him started? I
don't know. No, what I'm asking

808
01:03:02.800 --> 01:03:07.679
you is does the voice sound familiar
to you? Yes, sir? Does

809
01:03:07.719 --> 01:03:12.440
it sound familiar because you've talked to
him before on the phone or from when

810
01:03:12.519 --> 01:03:17.960
you met him in person? Well, if he had someone impersonating his name,

811
01:03:19.000 --> 01:03:22.239
and saying he was Joe when they
came here. Then I was I

812
01:03:22.360 --> 01:03:28.400
was spoofed by this contract. I
guess, I guess. I guess I'm

813
01:03:28.440 --> 01:03:32.760
not getting my point across. When
I talk to someone, I can tell

814
01:03:32.960 --> 01:03:37.480
if I talked to him again,
unless they disguise their voice or something.

815
01:03:37.559 --> 01:03:40.599
But right, does that make sense
to you? Italian guy, does that

816
01:03:40.679 --> 01:03:46.559
voice sound familiar to you as someone
you met? Yes, yes it does.

817
01:03:47.440 --> 01:03:51.400
It was Joe. Perkwitz is an
Italian guy, and this is an

818
01:03:51.440 --> 01:03:54.800
Italian guy. Perkowitz is not Italian? What are you kidding me? Perkowitz

819
01:03:54.840 --> 01:04:00.000
is not Italian. Okay, okay, listen. I want to help you,

820
01:04:00.400 --> 01:04:04.480
but I want you so listen.
What he was saying to you is

821
01:04:04.599 --> 01:04:08.239
you went behind my back, meaning
you know I told you I would take

822
01:04:08.239 --> 01:04:11.760
care of it. This guy might
feel like I don't know if he's telling

823
01:04:11.840 --> 01:04:15.400
the truth or not, but he's
claiming he never met you before. I

824
01:04:15.400 --> 01:04:17.760
mean, that's a pretty ballsy statement. He said you wouldn't even be able

825
01:04:17.760 --> 01:04:23.159
to pick him well, and you
don't sound so sure. To be honest

826
01:04:23.159 --> 01:04:27.880
with you, you don't well.
I think I've been deceived in more than

827
01:04:27.920 --> 01:04:30.159
one way. And I don't.
You've probably been deceived. I don't know

828
01:04:30.159 --> 01:04:33.920
by who, but you probably have
been. The thing is, did his

829
01:04:34.000 --> 01:04:40.599
employee take the money while he's out
of town and poses him to get money

830
01:04:40.840 --> 01:04:45.039
that's not unheard of. Or did
this guy subcontracted or have an employee do

831
01:04:45.159 --> 01:04:49.920
it and then once the money's gone, they he plays stupid. I don't

832
01:04:49.960 --> 01:04:56.360
know. Yeah, I don't either. I don't know how cad Okay,

833
01:04:56.840 --> 01:04:59.840
what you have to do is get
an eyeball on him and see if you've

834
01:05:00.000 --> 01:05:01.960
at him before and he's the guy, if he's the guy you met,

835
01:05:02.880 --> 01:05:08.800
then we need to you need to
take in the small claims court. No,

836
01:05:08.679 --> 01:05:10.880
no, no, that's eighteen grand. You're not going to go to

837
01:05:10.920 --> 01:05:15.119
small We need to pursue the Contractor's
Trust Act. But you're not going to

838
01:05:15.199 --> 01:05:19.159
do it if this guy just denies
ever meeting you. So somehow we need

839
01:05:19.159 --> 01:05:23.280
to find a picture of this guy, and we need to figure out if

840
01:05:23.280 --> 01:05:28.679
you know him or not. Somebody
go on Facebook, start looking on the

841
01:05:28.719 --> 01:05:31.840
internet. Man, Joe Perkowitz.
And that's not Italian, just for the

842
01:05:31.920 --> 01:05:38.599
record, but well appreciate that.
I mean, I mean it's not no

843
01:05:38.719 --> 01:05:42.960
Italian. I know that's named Perkowitz. But what I would do well,

844
01:05:43.000 --> 01:05:48.519
I'm I'm probably wrong, but I
mean the guy that I met was the

845
01:05:48.559 --> 01:05:54.639
guy that presented himself as Joel.
When they came here and I had handed

846
01:05:54.679 --> 01:05:58.280
a down payment of five grand two
in cash, he took it. And

847
01:05:58.320 --> 01:06:02.880
I have a new shill on his
contract here, uh that they took a

848
01:06:02.920 --> 01:06:09.239
down payment and then the further the
second down payment was taken by his contractor

849
01:06:09.280 --> 01:06:14.840
Scott or Vincent. I don't know
which one. Well guess what on on

850
01:06:14.840 --> 01:06:18.519
on the Better Business Bureau, he's
got an A plus and a five point

851
01:06:18.599 --> 01:06:23.639
five and five reading. But you
know you'll see my comment in there too,

852
01:06:23.719 --> 01:06:26.599
because I went to you know why, because the Better Business bro They

853
01:06:26.599 --> 01:06:29.840
are a bunch of dinosaurs too.
I mean, they don't know good from

854
01:06:29.840 --> 01:06:32.519
bad. They're the biggest joke.
I swear to god. I can't believe

855
01:06:32.519 --> 01:06:38.000
they're still in business, ripping companies
off with membership fees. I just can't

856
01:06:38.039 --> 01:06:42.559
believe it. I'm trying to find
something online. Go on Facebook and search

857
01:06:42.599 --> 01:06:47.599
for this guy, man, I
mean, are YouTube morons. YouTube morons,

858
01:06:47.639 --> 01:06:56.079
do some searching and okay, call
us back, man, Go on

859
01:06:56.119 --> 01:06:59.320
Facebook, go anywhere. Let's try
to find this guy. I mean,

860
01:06:59.400 --> 01:07:01.519
he is saying you never met him. I'm wondering why though he didn't send

861
01:07:01.559 --> 01:07:04.920
me a photo. That's the part
that bothers me. He wouldn't send us

862
01:07:04.960 --> 01:07:11.119
one three oh three seven one three
eight two five five. We got another

863
01:07:11.159 --> 01:07:13.480
follow up here with Milton, but
man, I got to take a break.

864
01:07:13.480 --> 01:07:16.639
I'm running behind time. People are
pissed off at me. But bottom

865
01:07:16.719 --> 01:07:20.280
line, we want to fight for
you. Eight eight eight. Heating dot

866
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Com they want to take care of
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867
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868
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869
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873
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874
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875
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876
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877
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Loans dot Com. Three o three eight

878
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sixty seven seven thousand Excel Roofing dot
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879
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excellent I like to say, ex
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880
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these things. First and foremost,
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881
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You never get trapped by putting money
down, and they have no penalties.

882
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No other roofer does that. You
can get out of a contract if

883
01:08:32.239 --> 01:08:39.520
you're dissatisfied. Now here's the other
thing. The next thing is they will

884
01:08:39.640 --> 01:08:44.199
not make you sign anything to take
a look at your roof like other roofers

885
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do. They're a cut above Excel
Roofing. That's why they're the ones I

886
01:08:47.079 --> 01:08:50.479
call when I need a roof,
and you should too. Three oh three

887
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seven sixty one sixty four hundred three
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888
01:08:56.479 --> 01:09:04.079
zero Excel Roofing dot Com. Retirement
Planning Center of the Rockies. The name

889
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really says it all, and it's
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890
01:09:10.039 --> 01:09:14.239
consult you on your retirement. The
younger the better. They help you build

891
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a nest egg. They have different
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892
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egg and then converting it to income. You know, they really do a

893
01:09:21.000 --> 01:09:26.520
good job assessing your needs and coming
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894
01:09:26.560 --> 01:09:30.239
them rpcenter dot com. They'll meet
with you, of course, with no

895
01:09:30.319 --> 01:09:34.479
obligation whatsoever, until you're fully satisfied
with what they do and how they save

896
01:09:34.560 --> 01:09:39.960
you money, far beyond the modest
fees they have nine seven zero six six

897
01:09:40.079 --> 01:09:45.720
three thirty two eleven nine seven zero
six six three thirty two eleven rpcenter dot

898
01:09:45.760 --> 01:09:56.520
Com. Hi, Tom Martinez here
three oh three seven one three Tom threer

899
01:09:56.560 --> 01:09:59.840
oh three seven one three eight two
five five. So Milton called with an

900
01:09:59.920 --> 01:10:02.760
arm problem, trying to find the
original call. Deputy Chopper took care of

901
01:10:02.800 --> 01:10:09.319
it. And what was the original
issue here, Let's just remind me and

902
01:10:09.319 --> 01:10:11.880
I'll find the call while I'm talking
to you, guys. Go ahead,

903
01:10:11.960 --> 01:10:14.800
it's on May twenty third. He
bought up got it? Oh, I

904
01:10:14.840 --> 01:10:18.960
found it okay US Class C motor
Home JCO Redhawk. I remember this and

905
01:10:19.399 --> 01:10:26.479
the dealer was in Texarkana. Ninety
Granny paid for this and waited for the

906
01:10:26.479 --> 01:10:30.119
power converter to be fixed, right, and so what's the big deal?

907
01:10:30.159 --> 01:10:33.399
Now? What was that all about? Did they fix it or not?

908
01:10:33.399 --> 01:10:38.159
Not? Really, Tom, I
get to the gong show. I can't

909
01:10:38.199 --> 01:10:40.960
do anything with this. He's going
to tell you about it. It's full

910
01:10:41.000 --> 01:10:45.720
of rust. This is one of
those they're pointing fingers at each other and

911
01:10:45.720 --> 01:10:47.079
no one's willing to have it.
Wait a minute, I didn't hear about

912
01:10:47.079 --> 01:10:51.399
the rust hold on? So oh, I remember the faulty ground wires because

913
01:10:51.399 --> 01:10:55.159
it was rusted on the frame.
And he thinks it's been in a flood,

914
01:10:56.520 --> 01:11:00.640
correct, But the dealer thinks it
got sought on it or something when

915
01:11:00.640 --> 01:11:08.119
they drove it down here. Okay, so are you there melting? Hey?

916
01:11:08.159 --> 01:11:13.319
Time? Am I own you are
now? Sir? Yes? Okay,

917
01:11:13.920 --> 01:11:15.960
yeah, No, I don't think
it was in a flood. I

918
01:11:15.039 --> 01:11:20.760
think it ran through Madclaw Ride or
salt for road salt. In fact,

919
01:11:20.800 --> 01:11:28.399
I even checked the weather. This
thing was delivered on December nineteenth of twenty

920
01:11:28.439 --> 01:11:30.840
two. Yeah, but what's wrong
with that? Then there's nothing wrong with

921
01:11:30.880 --> 01:11:35.319
it if it ran through outside elements. Well, I mean that's not their

922
01:11:35.359 --> 01:11:38.760
fault, right, no, no, no, no, but but but

923
01:11:38.920 --> 01:11:42.760
what happened. I checked the weather
from the factory down to Texas can and

924
01:11:42.800 --> 01:11:46.119
it was snowing almost a whole route. Okay, they had light snow that

925
01:11:46.279 --> 01:11:50.000
whole that whole day, and and
the weekend before that, because they probably

926
01:11:50.000 --> 01:11:54.079
picked it up on Friday and drove
it down over the weekend because it was

927
01:11:54.079 --> 01:12:00.520
delivered on Monday. But if they
ran through Madclaw Ride or road salt and

928
01:12:00.920 --> 01:12:03.600
all the stuff got coded underneath it, and then it was parked for over

929
01:12:03.600 --> 01:12:10.000
a year and it never got washed
off. There's enough humidity in Texas Cana

930
01:12:10.279 --> 01:12:13.520
the rest this thing just like it
is. That's what I think happened.

931
01:12:13.560 --> 01:12:15.600
I wasn't there, I didn't see
it. I can't prove it, but

932
01:12:16.000 --> 01:12:20.279
I think if I took a sample
of that white stuff that's on there right

933
01:12:20.319 --> 01:12:24.760
now and brought it to a chemist, he can probably verify that's what it

934
01:12:24.800 --> 01:12:28.720
is. Well, I don't think
they're doubting it, right Jopp. Or

935
01:12:28.760 --> 01:12:32.520
they're not doubting it drove through weather, that's what they're saying. The problem

936
01:12:32.600 --> 01:12:38.520
is no one knows how to fix
it or wants to fix it. Well,

937
01:12:38.680 --> 01:12:43.359
Jaco is the manufacturer. I bought
a brand new unit. I went

938
01:12:43.399 --> 01:12:47.319
to Texas, Cana to get a
deal because the twenty fours had been out

939
01:12:47.319 --> 01:12:51.600
for months and they were discounting the
twenty threes. That's why did you buy

940
01:12:51.640 --> 01:12:57.880
it direct from Jacob No? I
bought it from the deal a greg R

941
01:12:58.000 --> 01:13:03.119
Marine an RV in Texa, Caana. Greg R. I felt confident in

942
01:13:03.239 --> 01:13:06.880
doing that because it's a brand new
unit with the Jacob No. I get

943
01:13:06.920 --> 01:13:11.439
what you're saying. It's brand new, but it had been exposed to the

944
01:13:11.520 --> 01:13:17.479
elements. It's really no different than
a brand new car. They take and

945
01:13:17.560 --> 01:13:23.520
move around the lot and it sits
there. And if it was, it

946
01:13:23.720 --> 01:13:27.239
depends on how bad this rust is. I mean, is the frame rotting

947
01:13:27.359 --> 01:13:31.159
for God's sakes? Or is it
just surface rust? Oh no, no,

948
01:13:31.199 --> 01:13:35.359
it's the drive chef is pitted.
They're spots in the frame that are

949
01:13:35.399 --> 01:13:42.520
pitted. All the springs are rusty, the power unit, the hydraulic,

950
01:13:43.159 --> 01:13:46.079
the electric motor, and the hydraulic
pump for the for the leveling jacks.

951
01:13:46.720 --> 01:13:51.600
This thing looks like it's been sitting
outdoors, you know, for years.

952
01:13:51.720 --> 01:13:57.479
I mean, like I said,
on the top side, it's beautiful,

953
01:13:57.960 --> 01:14:00.920
but underneath this thing, it looks
like a car has been sitting in the

954
01:14:00.000 --> 01:14:06.199
junkyard for five or ten years.
I mean the report that I sent to

955
01:14:06.239 --> 01:14:14.399
you guys, that was done by
another RV shop. The guy stated that

956
01:14:14.479 --> 01:14:16.359
it didn't look like it had less
than two thousand miles. It looked like

957
01:14:16.359 --> 01:14:20.119
a used vehicle a little over one
hand thousand miles, and it's his opinion

958
01:14:20.159 --> 01:14:25.359
that should have never been sold as
new. Well, listen, man,

959
01:14:26.720 --> 01:14:31.520
if it drove through one storm on
delivery, it's hard. Why would somebody

960
01:14:31.560 --> 01:14:36.960
say it looks like it's one hundred
thousand miles because that's the way it looks.

961
01:14:39.359 --> 01:14:42.720
I think I sent you some pictures. Yeah, but they didn't show

962
01:14:42.840 --> 01:14:47.640
much. I mean they really you
can't see how what would it take to

963
01:14:49.680 --> 01:14:57.479
sand it or to be blasted and
to recode it? Okay, and I've

964
01:14:57.520 --> 01:15:00.920
got one estimate right now. I
I sent the gentleman pictures. I've used

965
01:15:00.960 --> 01:15:05.000
him before. I think he does
really good work. Empire truck. He's

966
01:15:05.079 --> 01:15:08.640
up in Commerce City. Well tell
me what will it cost? He didn't

967
01:15:08.640 --> 01:15:12.880
actually see the vehicle yet, but
then what did what would have cost?

968
01:15:13.000 --> 01:15:16.640
You know? Okay? He sent
me an estimate for fifty two hundred dollars

969
01:15:16.680 --> 01:15:21.119
sit unseen and he's going to have
to wash it first to get the all

970
01:15:21.680 --> 01:15:25.159
the salt office. Well, sure, they have to put it up.

971
01:15:25.520 --> 01:15:28.560
They have to put it up on
a lift, They have to powerwash it,

972
01:15:28.920 --> 01:15:31.399
and then they have to probably be
blast some of it and then recode

973
01:15:31.399 --> 01:15:38.720
it. Yes, and he says
depending on the break lines. Break lines

974
01:15:38.720 --> 01:15:41.279
are really rusty. He says,
they may have to be replaced. It

975
01:15:41.319 --> 01:15:45.560
demands on how deep the rust is
than those. The drought shaft's going to

976
01:15:45.600 --> 01:15:48.079
have to be pulled and rebalanced because
this pit is so bad. I'm not

977
01:15:48.119 --> 01:15:54.840
sure are you there? Are you
sure they're not just exaggerating that? How

978
01:15:54.880 --> 01:15:59.600
can this possibly happen from simply driving
around? That's what motor homes do?

979
01:16:00.840 --> 01:16:04.319
No? But Tom, what?
Yeah? I mean you can go drive

980
01:16:04.439 --> 01:16:09.279
motor I'm driven rbs through the snow
for since I've lived up here in nineteen

981
01:16:09.319 --> 01:16:14.199
eighty nine, I've never had this
problem because eventually you run through some water

982
01:16:14.319 --> 01:16:16.920
that's going to wash it off.
It doesn't get parked with this, you're

983
01:16:16.960 --> 01:16:20.119
saying, the problem is is that
they drove it and parked it for a

984
01:16:20.199 --> 01:16:26.079
year. Yes, they never cleaned
the bottom of it and it never got

985
01:16:26.119 --> 01:16:30.239
on the road. With any kind
of water on it to wash your stuff

986
01:16:30.239 --> 01:16:32.039
off. All right, Hold on
a second, we'll be right back.

987
01:16:32.079 --> 01:16:48.119
Hold on, Yeah, what do
I do? Tell me what I do?

988
01:16:48.239 --> 01:16:56.600
Shannon? What should I do?
Okay? Joela's EARRA is a criminal

989
01:16:56.640 --> 01:17:00.640
defense attorney, and I hope that
you really never need them. But you

990
01:17:00.640 --> 01:17:02.560
know what, here's the point.
When people are accused of a crime,

991
01:17:02.600 --> 01:17:08.920
it doesn't mean they're guilty. Sometimes
there are extenuating circumstances. Sometimes they're just

992
01:17:10.000 --> 01:17:14.039
you know, I don't know it
did. There's there's things all the time,

993
01:17:14.199 --> 01:17:16.840
falsely accused, maybe stupid mistakes,
whatever it is. I'm not going

994
01:17:16.840 --> 01:17:19.920
to sit in judgment. What I
am going to tell you is you should

995
01:17:19.960 --> 01:17:26.039
never look for a defense attorney when
you're under pressure. I've done the shopping

996
01:17:26.079 --> 01:17:30.119
for you. I know Joe Lazara
and he is a really good guy with

997
01:17:30.239 --> 01:17:35.560
a good work ethic and will defend
you tenaciously. Three oh three four two

998
01:17:35.640 --> 01:17:41.199
nine sixty two hundred. He does
so with flat rate pricing three oh three

999
01:17:41.279 --> 01:17:45.520
four two nine six two zero zero
Made in the shade. Those are window

1000
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covering people, and they are so
cool the way they do their business.

1001
01:17:50.119 --> 01:17:54.840
First and foremost, they have a
designer and a measurer that come out and

1002
01:17:54.920 --> 01:18:00.439
take care of all the measurements and
suggestions on where to put what. They

1003
01:18:00.439 --> 01:18:03.600
try to hit your budget. When
you finally come up with what you want,

1004
01:18:03.760 --> 01:18:09.039
then they order and install and stand
behind it. All that's made in

1005
01:18:09.119 --> 01:18:15.880
the shade. Denver Shades dot Co
is the website Denver Shades dot Co.

1006
01:18:15.800 --> 01:18:19.520
And the number is let's see made
in the shade. It's right here.

1007
01:18:20.119 --> 01:18:28.439
Seven two zero four five eight six, five six six. Sheridan Auto Tech

1008
01:18:28.720 --> 01:18:35.199
is honest, Shardan Auto Tech is
value. Shardan Auto Tech is truly skillful

1009
01:18:35.520 --> 01:18:40.800
and it's everything you want when it
comes to auto repair and maintenance. And

1010
01:18:40.840 --> 01:18:45.560
by the way, pre buy inspections
for used cards as well. Sheridan Auto

1011
01:18:45.600 --> 01:18:55.880
Tech dot com three oh three four
five five seventy two forty two. Hi

1012
01:18:56.000 --> 01:19:00.359
Tom Martino here three oh three seven
to one three talk seven one three eight

1013
01:19:00.359 --> 01:19:03.920
two five five. Randy has a
comment on Milton's RV that had all that

1014
01:19:04.119 --> 01:19:08.760
rust and everything. What's your comment, Milton, I mean rober Randy,

1015
01:19:08.760 --> 01:19:12.760
what is your comment? Well,
I would guess that's probably on a Ford

1016
01:19:12.840 --> 01:19:16.640
cap chassis. I would think Ford
or the manufacturer if that's that's what's rusting.

1017
01:19:17.000 --> 01:19:19.680
You got to go back on them
for Warney because they undercode it and

1018
01:19:19.760 --> 01:19:24.560
guarantee against RUSS for a period of
time. Now it's the coach body then

1019
01:19:24.560 --> 01:19:29.479
that would be Jacob. That's a
good point you're bringing Milton. What kind

1020
01:19:29.520 --> 01:19:32.119
of frame? What kind of a
drive train is it on? Yes,

1021
01:19:33.960 --> 01:19:42.840
it's on a Ford and it is
a twenty three. What does Ford say

1022
01:19:42.880 --> 01:19:46.479
about it? Like, well,
I haven't brought it to Ford. And

1023
01:19:46.640 --> 01:19:53.039
you know what, that's a good
Randy's got a good idea. Okay,

1024
01:19:54.399 --> 01:19:58.399
Actually drag out your warning Manuel and
see what it does on warny for people

1025
01:19:58.399 --> 01:20:03.319
our hires are Are there rb people
that are hired to come out here and

1026
01:20:03.319 --> 01:20:09.399
look at it? They are a
Ford dealer and but you okay, well

1027
01:20:09.479 --> 01:20:12.279
you ought to talk to Ford if
they I don't know if they have a

1028
01:20:12.319 --> 01:20:15.359
warranty on rust and on the undercoading
and all that, but you ought to

1029
01:20:15.439 --> 01:20:17.720
check it out. That's one thing
to try. I'm Tom Martino. We

1030
01:20:17.760 --> 01:20:21.319
have more coming up on the Troubleshooter
Show three oh three seven one three Talks

1031
01:20:21.359 --> 01:20:31.920
seven one three eight two five five. Get your calls in. Yeah,

1032
01:20:32.439 --> 01:20:41.760
Ripped up News didn't need advice,
so you don't have the You'll come running

1033
01:20:42.000 --> 01:20:47.960
just as fast as we can.
Shooter's gonna help come man. This is

1034
01:20:48.000 --> 01:20:57.760
the Troubleshooter Show. No Tom Martine, Hi Tom Martino here three oh three

1035
01:20:57.840 --> 01:21:01.520
East seven to one three talk three
three he's seven one three eight two five

1036
01:21:01.720 --> 01:21:05.680
five. We've had a lot going
on here, ladies and germs and UH

1037
01:21:05.720 --> 01:21:09.880
here to help you any way we
can do it. So let's go to

1038
01:21:09.960 --> 01:21:14.880
the phones and uh and see what
we can do. Three oh three seven

1039
01:21:15.119 --> 01:21:18.920
one three talk three oh three seven
one three eight two five five. I

1040
01:21:18.960 --> 01:21:23.640
have Dan mackenzie with me today for
mackenzie Law Firm. We're talking about McKenzie

1041
01:21:23.680 --> 01:21:28.359
Law and we're talking about estate planning
as well as other stuff and some of

1042
01:21:28.399 --> 01:21:34.520
the notable calls today. We've had
a lot going on, and really we've

1043
01:21:34.560 --> 01:21:43.479
had some famous family uh from Rocky's
Auto's grandson called in about their estate there

1044
01:21:43.520 --> 01:21:48.159
with the granddad founders of Rockies deceased
now. And what happens when you have

1045
01:21:48.199 --> 01:21:53.800
a prenup that seems to conflict with
a will? Does we will take precedent

1046
01:21:53.880 --> 01:21:58.720
over everything? Dan McKenzie, is
that's a fair question. A prenup and

1047
01:21:58.760 --> 01:22:02.199
a will, how do they jive
ornachive? Well, the prenup is just

1048
01:22:02.239 --> 01:22:06.479
an agreement between us, between two
spouses, so it's not really a statement

1049
01:22:06.479 --> 01:22:11.079
of your testamentary intent. It's just
saying we agree, we don't have to

1050
01:22:11.079 --> 01:22:15.239
include each other. So if you
said in a prenup that while my wife

1051
01:22:15.359 --> 01:22:21.039
might be entitled to fifty percent by
statute, she agrees to take ten percent,

1052
01:22:21.119 --> 01:22:27.439
can you actually say that? Can
a wife can disinherit herself? Can

1053
01:22:27.479 --> 01:22:30.119
she agree? Okay? Yeah,
okay, yeah, okay. This is

1054
01:22:30.239 --> 01:22:35.000
very common where people have separate kids
and they come and come to the marriage

1055
01:22:35.000 --> 01:22:42.439
with their own assets, So they
can say, in this prenup, you

1056
01:22:42.479 --> 01:22:45.760
agree to take ten percent or nothing
of my estate. You can actually okay?

1057
01:22:46.319 --> 01:22:49.319
And then you can say, my
intent is to leave everything to my

1058
01:22:50.159 --> 01:22:54.560
two sons. If you say that
but don't do it in a will,

1059
01:22:54.880 --> 01:23:00.640
does that pre nup? Does that
hold any weight? Hold? Wait for

1060
01:23:00.680 --> 01:23:02.439
the ten percent for the wife,
right? But it doesn't hold? Will

1061
01:23:02.560 --> 01:23:06.960
it doesn't hold? Or do you
tell me what would happen if all there

1062
01:23:08.119 --> 01:23:12.800
was was a prenup? Yeah?
I mean a will has very specific requirements.

1063
01:23:12.840 --> 01:23:14.880
You know, it's got to say, it's got to show that it's

1064
01:23:14.960 --> 01:23:18.239
reflecting the person's testamentary intent. It's
got to be witnessed or notarized, preferably

1065
01:23:18.279 --> 01:23:20.520
both. It's got to be signed. I mean, it's it's got all

1066
01:23:20.520 --> 01:23:25.720
these requirements that a prenup usually doesn't
meet all those So usually the prenup is

1067
01:23:25.760 --> 01:23:30.359
more of a contract, right,
So it's not usually, and a will

1068
01:23:30.439 --> 01:23:35.039
is not a contract. No.
I often wondered, why do wills even

1069
01:23:35.079 --> 01:23:40.800
have to be followed? Is there
a law that says the will you know,

1070
01:23:41.119 --> 01:23:44.840
when a person's dead, they're dead, right, but their will actually

1071
01:23:45.720 --> 01:23:49.560
it it survives them. Yeah,
it is an interesting question. Should decease

1072
01:23:49.600 --> 01:23:54.159
people be able to direct where assets
go? And? Uh? And they

1073
01:23:54.239 --> 01:23:59.279
can't? Yeah, because yeah,
Now we talked about the date of death

1074
01:24:00.199 --> 01:24:04.800
valuation. Right, when you have
a piece of property of real estate,

1075
01:24:05.520 --> 01:24:12.479
the day that that person dies,
you basically have a freeze date where that

1076
01:24:12.640 --> 01:24:15.600
is valued. So if they bought
it for fifty grand the day they die,

1077
01:24:15.640 --> 01:24:19.159
it's worth two hundred, then you
sell it for two hundred. You're

1078
01:24:19.199 --> 01:24:23.960
not going to have to go back
to fifty grand and calculate capital gains,

1079
01:24:24.079 --> 01:24:28.640
right right, Okay, but there's
an alternate date you can use. Why

1080
01:24:28.800 --> 01:24:32.199
is that for volet more volatile assets? I mean like if you've got a

1081
01:24:32.239 --> 01:24:35.640
stock portfolio, this person passed away, they have a stock portfolio, and

1082
01:24:35.680 --> 01:24:41.760
then you know, shortly after they
pass away, there's a terrible stock market

1083
01:24:42.640 --> 01:24:45.920
day and it loses ten percent?
Like, should the beneficiaries receive it?

1084
01:24:46.920 --> 01:24:50.319
Should the a state be taxed at
that higher rate? When it's like this

1085
01:24:50.399 --> 01:24:55.000
happened two months later? We you
know, suddenly this event happened the stock

1086
01:24:55.000 --> 01:24:58.279
market, those thing's worth ten percent
less. So the IRS gives you two

1087
01:24:58.319 --> 01:25:01.399
dates to choose from, and the
PR personal representative gets to choose. So

1088
01:25:01.479 --> 01:25:06.199
you can choose the date of death
valuation or nine months later? Six months?

1089
01:25:06.319 --> 01:25:10.880
Oh, six months later? And
is it exactly six months? Yes?

1090
01:25:12.359 --> 01:25:14.760
Okay, you're not going to get
to what if you're waiting for the

1091
01:25:14.840 --> 01:25:17.640
six months and things don't change the
way you wanted him to. Can you

1092
01:25:17.680 --> 01:25:19.880
go back to the date of death? Yeah? I mean you wait the

1093
01:25:19.920 --> 01:25:24.039
six months and then you get to
choose between the two. Okay, yeah,

1094
01:25:24.239 --> 01:25:28.279
okay, have you had people then
changed to the six months? What

1095
01:25:28.319 --> 01:25:30.720
if the if the house goes up
in value during that six months, then

1096
01:25:30.840 --> 01:25:35.439
you can, you can take the
higher value. Yeah, no, that

1097
01:25:35.560 --> 01:25:39.640
the rule is that it has to
have dropped in value, and it has

1098
01:25:39.680 --> 01:25:43.279
to be done because the estate is
going to play a lower estate tax.

1099
01:25:44.159 --> 01:25:45.960
You know, we're not doing this
to be like vindictive and stick people with

1100
01:25:46.399 --> 01:25:49.560
you know, lower capital you know, lower capital gains basis. For example,

1101
01:25:49.720 --> 01:25:54.399
like the personal representative cannot do this
and then say, haha, you

1102
01:25:54.680 --> 01:25:57.119
know I never liked you, brother, so I'm going to give you the

1103
01:25:57.159 --> 01:26:00.399
lower capital gains basis. It has
to benefit to the estate. So there's

1104
01:26:00.439 --> 01:26:04.479
some very specific It's okay, it
has to benefit the estate. Yeah,

1105
01:26:05.279 --> 01:26:12.079
and uh again three zero three seven
to one three talks seven one three eight

1106
01:26:12.119 --> 01:26:15.760
two five five. We can talk
about anything, not just the states.

1107
01:26:15.119 --> 01:26:20.199
But I do want to ask this
is there and we've we talked about it

1108
01:26:20.199 --> 01:26:26.800
before. I don't want to really
exhaust this topic. But even recently,

1109
01:26:26.840 --> 01:26:32.000
while I was looking into, uh, the law specifically because I was taking

1110
01:26:32.000 --> 01:26:35.800
a test. I won't get into
that, but the law was saying,

1111
01:26:36.079 --> 01:26:41.600
you know, this is this triggers
gift tax. This doesn't create trigger gift

1112
01:26:41.720 --> 01:26:45.560
tax. For example, a five
to twenty nine college plan. If you

1113
01:26:45.640 --> 01:26:48.640
start a five twenty nine college pen
for your kids. That's tax deferred savings,

1114
01:26:49.000 --> 01:26:54.920
non deductible contribution. But there's no
limit to the contribution you can donate

1115
01:26:55.000 --> 01:26:59.039
for your kids college, right yeah, I would have to look that at

1116
01:26:59.119 --> 01:27:01.600
that and as long as that use
it for college. Yeah, there's no

1117
01:27:01.760 --> 01:27:08.000
tax on the earnings. Correct.
Now, here's what I want to know.

1118
01:27:08.520 --> 01:27:14.119
They said, is it exempt from
gift tax? Exempt? Does it

1119
01:27:14.159 --> 01:27:16.359
at? Does it count against your
gift tax exemption? Do you remember or

1120
01:27:16.439 --> 01:27:21.479
not? I don't I did you
just say that your understanding is that there's

1121
01:27:21.479 --> 01:27:24.880
no cap and what you can put
in there? Because I thought there was

1122
01:27:25.119 --> 01:27:28.880
or was? It's such a high
high cap. It's such a big cap.

1123
01:27:29.239 --> 01:27:30.600
I could research that. Yeah,
well, well we could probably do

1124
01:27:30.600 --> 01:27:38.319
it in a minute here. But
in any case, what is exempt from

1125
01:27:38.520 --> 01:27:42.079
gift tax? Now, obviously when
we talk about gift tax people, let's

1126
01:27:42.159 --> 01:27:46.520
let's let's clarify this. Everyone has
an exemption up to a certain amount before

1127
01:27:46.520 --> 01:27:51.239
you pay gift tax. And that
is a big high exemption right now,

1128
01:27:51.399 --> 01:27:56.840
it's up to like, what's sixteen
million over thirteen million, over thirty So

1129
01:27:57.439 --> 01:28:00.279
if you and your wife have an
a state of twenty million dollars you can

1130
01:28:00.359 --> 01:28:04.079
literally give every dime away and not
pay a tax on it. Right now,

1131
01:28:04.640 --> 01:28:09.159
if you go over your exemption,
then you start paying tax. But

1132
01:28:10.159 --> 01:28:14.720
they it even goes one step further
than that. There are some things that

1133
01:28:14.760 --> 01:28:18.960
are exempt, which means they don't
count against your limit. So if you

1134
01:28:19.800 --> 01:28:29.000
want to preserve that thirteen million dollar
exemption, then you give away things under

1135
01:28:29.039 --> 01:28:31.880
a certain amount and they don't go
against it. Yeah, okay, And

1136
01:28:32.159 --> 01:28:36.840
a lot of people confuse that thinking
if they go over that minimum amount they

1137
01:28:36.920 --> 01:28:42.680
are taxed on it. They are
not taxed on it. It simply goes

1138
01:28:42.800 --> 01:28:48.399
against your exemption. So you may
have a thirteen million dollar exemption, and

1139
01:28:48.520 --> 01:28:51.399
let's say you give away a ton
of stuff and at the time of your

1140
01:28:51.439 --> 01:28:55.880
death, you only have an eight
million dollar exemption. And most people aren't

1141
01:28:55.880 --> 01:28:59.000
going to be touched by this.
But I bring it up for a reason

1142
01:28:59.520 --> 01:29:04.119
because people go through extreme hardships sometimes
to try to give stuff to their kids,

1143
01:29:04.520 --> 01:29:09.199
thinking they have to do it that
way to avoid gift tax. Do

1144
01:29:09.279 --> 01:29:13.000
you often explain to people you don't
have to worry about it. Yeah.

1145
01:29:13.359 --> 01:29:15.279
I mean, if I have five
million dollars and I give my kid three

1146
01:29:15.359 --> 01:29:17.840
million of it, right way over
what I'm allowed to give them. I

1147
01:29:17.880 --> 01:29:20.319
just have to report that three million
of the irs. They're going to look

1148
01:29:20.359 --> 01:29:23.319
at what I have when I pass
away, and they're going to see,

1149
01:29:23.319 --> 01:29:26.600
oh, he had well below the
estate taxes. So do they keep track

1150
01:29:26.760 --> 01:29:30.079
of your gifts above fourteen thousand years
or sixteen thousand years? Yes, because

1151
01:29:30.119 --> 01:29:33.239
you're supposed to report those in a
gift tax return. And if you don't,

1152
01:29:33.279 --> 01:29:36.239
is there a penalty? Yeah,
I mean it could cause big problems

1153
01:29:36.279 --> 01:29:40.319
down the road. You can't hold
the irs? Is pretty good it actually,

1154
01:29:40.640 --> 01:29:45.800
even if you don't go above your
exemption. No ill, oh yeah,

1155
01:29:45.920 --> 01:29:48.079
yes, yeah, I mean there
could be. Yes, they might

1156
01:29:48.119 --> 01:29:54.840
look at gifts and so if you
give away twenty rand, sixteen of it

1157
01:29:54.920 --> 01:30:00.600
is exempt, and then you have
to count four of it against your lifetime

1158
01:30:00.039 --> 01:30:04.439
exemption. Correct, correct, But
this is per person. So like if

1159
01:30:04.479 --> 01:30:08.920
my wife and I want to give
we have four kids, we can give

1160
01:30:09.039 --> 01:30:11.800
each of them the thirty two thousand
bucks and give away one hundred and twenty

1161
01:30:11.840 --> 01:30:15.399
eight thousand bucks if you wanted to
without filing a gift tax return. If

1162
01:30:15.399 --> 01:30:17.359
we give it to each of them, and all that happens when you file

1163
01:30:17.399 --> 01:30:21.279
a gift tax return is you don't
pay tax, it just goes against your

1164
01:30:21.279 --> 01:30:26.000
exemption. It will count against your
exemption when you pass away, and somewhere

1165
01:30:26.079 --> 01:30:30.880
somehow the IRS is keeping track of
this. Yeah, so they'll know if

1166
01:30:30.439 --> 01:30:33.319
literally they keep track of it.
So if you file a gift tax return

1167
01:30:33.359 --> 01:30:39.239
on your Social Security number and it
says you gave away X amount of dollars,

1168
01:30:39.680 --> 01:30:43.159
they have a calculator in the sky
that tells you how much you have

1169
01:30:43.279 --> 01:30:45.479
left I mean eventually, So yeah, I guess if you have to file

1170
01:30:45.520 --> 01:30:50.439
it then state tax return eventually,
Yeah, they're going to add that amount

1171
01:30:50.600 --> 01:30:54.359
to okay, state, Matt,
you have a question on an RV.

1172
01:30:54.439 --> 01:30:57.680
Go ahead, Matt, what's going
on? Yes, sir, I'm just

1173
01:30:57.720 --> 01:31:01.359
wondering if you all had any companies
in the Denver metro area that you knew

1174
01:31:01.359 --> 01:31:09.880
of. Did hail damage repair on
a camping trailer an RB that that no

1175
01:31:10.279 --> 01:31:15.640
any any dentless paint repair can do
that? Are you looking for paintless dent

1176
01:31:15.680 --> 01:31:20.359
repair or repairing dents in general?
They won't do paintless dent on a trailer

1177
01:31:20.479 --> 01:31:27.079
because of it being the aluminum sighting. Wait a minute, oh oh,

1178
01:31:27.079 --> 01:31:31.079
wait, when you say a trailer
you mean like when you live in No,

1179
01:31:31.079 --> 01:31:33.960
no, no, sir, like
a look on RB a camping trailer,

1180
01:31:33.960 --> 01:31:38.560
a thirty two foot okay, okay, no, I get so,

1181
01:31:38.760 --> 01:31:45.319
like a camper trailer with aluminum exterior
skin. They won't do paintless dent repair

1182
01:31:45.359 --> 01:31:51.880
on that. No, okay,
replace the panels. I understand that.

1183
01:31:53.000 --> 01:31:55.800
Okay, they're saying to get behind
it and do all that. It's cheaper

1184
01:31:55.800 --> 01:32:01.000
to replace him exactly. Okay,
So what is your question? Do we

1185
01:32:01.119 --> 01:32:08.600
know people that reside campers? Yeah, or that do the you know,

1186
01:32:09.439 --> 01:32:13.600
to the reskin of them or yes, I do know people that rescin them

1187
01:32:13.600 --> 01:32:17.359
and well you can go. I
believe that Lazy Days does all of that.

1188
01:32:20.479 --> 01:32:26.000
Okay, Lazy Days RV. Have
you heard of lazydays dot com?

1189
01:32:26.520 --> 01:32:29.520
I have? So is it any
of them or just the main Well?

1190
01:32:29.560 --> 01:32:31.600
No, no, they have to
have the service facility, and I believe

1191
01:32:31.640 --> 01:32:34.840
there's one. I believe. I
want you to start here and if not,

1192
01:32:35.039 --> 01:32:39.079
let me know. But I think
it's up at well, I know

1193
01:32:39.119 --> 01:32:42.760
where it is. It's exit two
forty and I twenty five. I have

1194
01:32:42.880 --> 01:32:47.199
the number. And they used to
be Sentry RV and they merged with they

1195
01:32:47.239 --> 01:32:51.760
merged with Lazy Days, good people, and they're up at I twenty five

1196
01:32:51.800 --> 01:32:56.720
and exit two forty. That's north
of the city on Frontage Road. There

1197
01:32:56.760 --> 01:33:00.439
they have a big beautiful maintenance of
city and I believe they do buy work

1198
01:33:00.439 --> 01:33:03.680
and stuff. And here's what you
can do. You can call them and

1199
01:33:03.720 --> 01:33:11.359
see it's three oh three four five
three one one one one. I believe

1200
01:33:11.399 --> 01:33:16.159
I'm looking here to see what they
say here. Uh, okay, they

1201
01:33:16.199 --> 01:33:21.960
do chassis repair, they do interior
remodeling, upholstery services, collision repair,

1202
01:33:23.079 --> 01:33:27.800
dent repair, paint repair, roof
repair. Yep. Now I don't know

1203
01:33:27.840 --> 01:33:30.319
if they do that all at that
one, but that's what their service facilities

1204
01:33:30.359 --> 01:33:34.399
do. They could direct me in
the right direction then, I'm sure they

1205
01:33:34.439 --> 01:33:39.239
can. And and truly these people, man, they're like the biggest game

1206
01:33:39.279 --> 01:33:44.319
in town. They're all over the
country Lazy Days. So call up to

1207
01:33:44.359 --> 01:33:47.039
that north location three oh three four
five three one one one one, ask

1208
01:33:47.079 --> 01:33:51.319
them up there. Uh and uh
yeah. And then as I said,

1209
01:33:51.319 --> 01:33:55.159
if they don't actually do it there, they'll either have a sub they do

1210
01:33:55.199 --> 01:33:58.960
it with, or they'll send you
to one of their other locations. And

1211
01:33:59.039 --> 01:34:06.199
that's lazy Teresa what's going on with
you? Teresa? Welcome, Hi Tom,

1212
01:34:06.640 --> 01:34:12.720
thanks for taking my fall? What's
happening? Can you hear me?

1213
01:34:12.800 --> 01:34:15.479
Okay? I sure? Ken yep, I can hear you? Great?

1214
01:34:15.800 --> 01:34:21.600
Okay, okay, great? Well, yesterday I received a letter. I

1215
01:34:21.640 --> 01:34:30.479
have a condo in Parker and currently
I am renting that, and yesterday I

1216
01:34:30.560 --> 01:34:44.439
received a letter saying that the uh
uh every owner is being sent five thousand

1217
01:34:44.680 --> 01:35:00.520
dollars special assessment bill due to UH
the homeowners association has depleted reserves. And

1218
01:35:00.760 --> 01:35:04.560
are that's happening to Teresa? Let
me let me give it. Let me

1219
01:35:04.560 --> 01:35:12.279
give you a simple explanation. In
every homeowner in every HOA, in every

1220
01:35:12.279 --> 01:35:15.920
single one of them, or condo
association, in every single one of them,

1221
01:35:15.319 --> 01:35:19.880
what there is is a normal monthly
payment. People make their fees,

1222
01:35:19.920 --> 01:35:24.439
their dues and all of that,
and in every single one of the agreements

1223
01:35:24.479 --> 01:35:29.159
it says if you ever fall short, then you can assess owners now.

1224
01:35:29.199 --> 01:35:34.399
People fall short sometimes just normal maintenance
and repairs. Sometimes people fall short because

1225
01:35:34.399 --> 01:35:39.079
they're paving a parking lot, and
other times they fall short because they have

1226
01:35:39.119 --> 01:35:44.520
a giant deductible on their roof damage
and the insurance company will fix it,

1227
01:35:44.560 --> 01:35:49.199
but you have to pay the deductible. So in all of those cases they

1228
01:35:49.239 --> 01:35:55.119
go into their reserves and if they
exhaust their reserves or if the reserves get

1229
01:35:55.199 --> 01:36:00.760
too low, they have the right
to assess owners. And that's what's happening

1230
01:36:00.760 --> 01:36:04.920
to you now. There are ways
depending on what the assessment is for,

1231
01:36:06.479 --> 01:36:10.199
there are some coverages for that.
But hold on, I have to take

1232
01:36:10.239 --> 01:36:13.479
this break. We'll talk about it. It's a very important topic. It's

1233
01:36:13.520 --> 01:36:20.199
affecting a lot of people right now. No matter what, you want to

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1240
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1241
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That's fix my home dot Com just
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1242
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Com Now we have this Thursday six
point thirty in the evening, a free

1243
01:37:01.880 --> 01:37:06.920
event from my moneymway dot com.
That's Joe Cianno, certified financial planner and

1244
01:37:06.960 --> 01:37:14.800
his team will be there to impart
information on saving for retirement, on Medicare,

1245
01:37:15.000 --> 01:37:20.039
on on also social security in general, on insurance, on equity in

1246
01:37:20.079 --> 01:37:27.279
your home, on reverse loans,
everything financial for an aging person. And

1247
01:37:27.439 --> 01:37:30.760
what you really need to do is
reserve seat three oh three seven seven nine

1248
01:37:31.199 --> 01:37:42.479
sixty six hundred. That's seven seventy
nine sixty six hundred. Hi, Tom

1249
01:37:42.479 --> 01:37:47.520
Martine here, three oh three seven
one three talk seven one three eight two

1250
01:37:47.640 --> 01:37:57.680
five five. Let's talk Teresa the
HOA. So here's the thing what I

1251
01:37:57.720 --> 01:38:01.239
want to tell you about is assessments
are how happening all over It's a really

1252
01:38:01.279 --> 01:38:05.800
bad time to own condos and town
homes. And I'll tell you why insurance

1253
01:38:05.840 --> 01:38:14.640
companies are pulling out they're not covering
or the uh they're demanding extremely high deductibles,

1254
01:38:15.680 --> 01:38:20.720
or they have deferred maintenance these places
because they're coming up now. They

1255
01:38:20.720 --> 01:38:26.319
were all starting to be built around
the eighties and now they're they're all coming

1256
01:38:26.399 --> 01:38:31.079
up on extreme maintenance. But Teresa, depends what was your you? You

1257
01:38:31.239 --> 01:38:39.079
I imagine you have insurance, but
you can get loss assessment coverage, but

1258
01:38:39.279 --> 01:38:43.640
only if it's an ensurable event.
So and only to a certain amount.

1259
01:38:43.680 --> 01:38:50.399
What are they assessing you five grand
for? Uh? Let me see,

1260
01:38:53.000 --> 01:38:59.800
basically, Uh, there was an
extensive roof placement. Yeah, now was

1261
01:38:59.840 --> 01:39:08.640
it? It's done by insurance because
of a storm that I'm not sure they

1262
01:39:08.720 --> 01:39:15.640
said, also other significant maintenance.
Oh never mind. Okay, okay,

1263
01:39:15.680 --> 01:39:24.239
but yes, there was some winter
storms and they had damage to several buildings.

1264
01:39:24.680 --> 01:39:28.039
Well, here's why I'm saying this. You're not going to get the

1265
01:39:28.079 --> 01:39:32.720
maintenance covered. You're not going to
get roof replacement coverage. But if you

1266
01:39:32.920 --> 01:39:40.319
have the right insurance on your condo, you can be covered for certain lost

1267
01:39:40.399 --> 01:39:51.920
damage assessments. And lost damage assessments
are shortfalls where homeowners are assessed, but

1268
01:39:53.039 --> 01:39:58.399
it's only for insurable events. So
if it's covered by insurance and there's a

1269
01:39:58.479 --> 01:40:04.079
deductible, this lost damage assessment coverage
will kick in. And some you can

1270
01:40:04.119 --> 01:40:08.520
buy it now up to I think
twenty five grand, but you pay for

1271
01:40:08.560 --> 01:40:14.000
it, and some people have it
for five grand or ten grand. Some

1272
01:40:14.000 --> 01:40:17.359
people don't have it at all.
So do you have lost damage assessment coverage?

1273
01:40:19.319 --> 01:40:24.199
That I'm not sure of. I
will have to look at what kind

1274
01:40:24.199 --> 01:40:28.119
of policy do you have. Do
you have policies if you were living there,

1275
01:40:28.239 --> 01:40:33.199
or a landlord's policy. A landlord's
policy. Okay, you could have

1276
01:40:33.279 --> 01:40:39.920
lost damage assessment. You would look
at your declarations page and it would tell

1277
01:40:39.960 --> 01:40:45.000
you who is your what underwriter?
Do you have what insurance underwriter? I

1278
01:40:45.199 --> 01:40:53.439
have a Colorado Farm Bureau. Yeah, that's hard to say. That's hard

1279
01:40:53.439 --> 01:41:00.000
to say anyway. But it'll only
cover the part if you do have lost

1280
01:41:00.079 --> 01:41:06.359
damage coverage. It'll only cover the
part of that assessment that's insurance related.

1281
01:41:08.119 --> 01:41:12.039
Okay, that's all. It won't
cover just deferred maintenance. Like if you

1282
01:41:12.119 --> 01:41:15.800
move into a We've had many people
move into a complex and they have to

1283
01:41:15.840 --> 01:41:20.520
redo the parking lot and they're assessing
every homeowner eight grand for example. Well,

1284
01:41:20.880 --> 01:41:26.199
that eight grand will not be covered
by lost damage assessment because it's not

1285
01:41:26.840 --> 01:41:30.800
a damage, it's a maintenance.
There's a difference between maintenance and damages.

1286
01:41:31.199 --> 01:41:39.399
Damages are from Damages are from storms
and events a car runs into the place

1287
01:41:39.479 --> 01:41:45.279
or whatever, but it's not due
to deferred maintenance. Okay, got it.

1288
01:41:45.720 --> 01:41:49.079
So check your policy to see if
you have it and then see which

1289
01:41:49.119 --> 01:41:56.960
part of that five grand is going
to cover is because of insurance, Teresa,

1290
01:41:57.000 --> 01:42:00.399
I'm going to tell you something five
grand is right nowadays is cheap.

1291
01:42:00.159 --> 01:42:06.359
There are people being assessed twenty thousand
dollars. Oh gosh, yeah, twenty

1292
01:42:06.479 --> 01:42:11.960
thousand dollars. So is this the
first time you ever paid an assessment?

1293
01:42:13.359 --> 01:42:18.760
Yes, it is. You're lucky. Yes. And that leads into my

1294
01:42:18.960 --> 01:42:27.800
second question, is you know,
can this happen again and again and again

1295
01:42:28.039 --> 01:42:31.920
and again. Yes, there's no
limit. There is no limit the whole

1296
01:42:32.000 --> 01:42:35.680
lot. There kind of is a
limit. In other words, the HOA

1297
01:42:35.840 --> 01:42:43.359
board they vote for stuff, you
know, so there has to be like

1298
01:42:43.439 --> 01:42:46.800
they can't like hire their brother in
law who is going to give them a

1299
01:42:46.880 --> 01:42:50.399
kickback, and then just charge homeowners. So yeah, there is a limit.

1300
01:42:50.680 --> 01:42:58.000
But if it's an honest to god
expense, they can pretty much bill

1301
01:42:58.079 --> 01:43:03.960
everyone absolutely even sometimes like this is
something that a lot of people get confused

1302
01:43:03.960 --> 01:43:09.439
about. Let's say you have separate
buildings and all of the repairs have to

1303
01:43:09.439 --> 01:43:16.239
be done on one building that is
still aggregated to all the owners. Okay,

1304
01:43:16.319 --> 01:43:19.760
so you can call us back if
you want. When you look at

1305
01:43:19.800 --> 01:43:26.000
your coverage to get an idea of
what's covered and what's not three oh three

1306
01:43:26.319 --> 01:43:30.479
seven to one three talks seven one
three eight two five five Deborah, what

1307
01:43:30.560 --> 01:43:34.880
is this going on with Verizon?
Well, we're on a family plan,

1308
01:43:35.720 --> 01:43:41.359
my sister, Gina Montano, and
they've been on it for about twenty three

1309
01:43:41.479 --> 01:43:45.720
years. I had my own before. I'm a veteran trying to re establish

1310
01:43:45.920 --> 01:43:50.119
my career and stuff so I can
buy a home on my VA and she

1311
01:43:50.359 --> 01:43:55.159
called and set it up at one
of their course, one of their So

1312
01:43:55.479 --> 01:43:58.960
Sawait, you've had this family plan
for many, many, many years.

1313
01:44:00.079 --> 01:44:01.600
Yes, my mom and sister have, Yes, and then I've been on

1314
01:44:01.640 --> 01:44:04.279
it. Okay, hold on and
we'll come right back to you. Okay.

1315
01:44:04.439 --> 01:44:06.399
I want to help a veteran out
if I can, So we got

1316
01:44:06.399 --> 01:44:13.039
more coming right up. I'm Tom
Martine. John Fuller is a personal injury

1317
01:44:13.079 --> 01:44:16.640
attorney that I like the way he
does business this way or his practice,

1318
01:44:16.680 --> 01:44:19.920
and I love it. He'll talk
to you free of charge anytime you're injured,

1319
01:44:20.000 --> 01:44:24.079
anytime you have an accident and you
need help or a friend or a

1320
01:44:24.079 --> 01:44:28.720
loved one and you need information,
He'll impart all kinds of information first and

1321
01:44:28.760 --> 01:44:31.319
foremost, when you call, you're
not shuttled off to a call center or

1322
01:44:31.359 --> 01:44:35.560
an intake committee. You talk to
John, and when you talk to him

1323
01:44:35.600 --> 01:44:40.159
you can ask your questions. If
you decide to hire him after a free

1324
01:44:40.199 --> 01:44:44.479
consultation, it's on a percentage fee
basis, and you still have no out

1325
01:44:44.479 --> 01:44:50.279
of pocket expenses. That's John Fuller
Fuller Law, my accident lawyer dot c

1326
01:44:50.880 --> 01:44:55.920
oh. He has pledged to take
only the number of cases that he can

1327
01:44:55.960 --> 01:44:59.359
work personally. Now he has a
support staff, of course, but he

1328
01:44:59.399 --> 01:45:02.159
will handle you case. So call
him from the beginning. Three oh three

1329
01:45:02.640 --> 01:45:15.800
five nine seven forty five hundred my
accident lawyer dot co Hi. Tom Martino

1330
01:45:15.920 --> 01:45:20.439
here three oh three seven one three
talk three oh three seven one three eight

1331
01:45:20.479 --> 01:45:25.399
two five five. Okay, Deborah, So you've been on a Verizon family

1332
01:45:25.600 --> 01:45:29.399
plan for many years. Continue with
your story, Dear, what's happening?

1333
01:45:30.720 --> 01:45:33.279
Well? My sister called in to
make sure that when I was up here

1334
01:45:33.399 --> 01:45:40.159
for medical and Department of Vocational Rehab
and to see an attorney, that I

1335
01:45:40.239 --> 01:45:44.920
could go to Verizon. And she
called made sure that they would take care

1336
01:45:44.960 --> 01:45:49.479
of seeing what the problem is.
And Keith, the manager, I'm not

1337
01:45:49.600 --> 01:45:54.560
trying to be rude, but he
was very rude and condescending talking. Now

1338
01:45:54.560 --> 01:45:58.840
hold on now, wait, were
you having trouble with your phone? Yes,

1339
01:45:58.920 --> 01:46:03.800
i am, And he was very
condescending to you. Why oh,

1340
01:46:03.840 --> 01:46:10.079
because he said, your sister's not
here. I can't verify who she is.

1341
01:46:10.960 --> 01:46:15.800
She already did what she needed to
so that when on the phone,

1342
01:46:15.119 --> 01:46:20.159
you know, because she works from
home, she is have medical issues.

1343
01:46:20.479 --> 01:46:26.680
She did what she needed to do. We've gone to other horizons in Westminster,

1344
01:46:27.520 --> 01:46:30.239
Bloomfield, several others. We've never
had this problem. And he said,

1345
01:46:30.319 --> 01:46:32.760
so, what would you like us
to do, Deborah? I want

1346
01:46:32.760 --> 01:46:35.960
to get you some help here.
So your phone is acting up. This

1347
01:46:36.000 --> 01:46:41.000
guy was rude. He couldn't verify. You couldn't get your sister on the

1348
01:46:41.000 --> 01:46:44.359
phone to talk to him. All
they usually need is some kind of verbal

1349
01:46:44.399 --> 01:46:47.760
patty, go ahead and talk.
She did talk to him, but he

1350
01:46:47.920 --> 01:46:55.359
wasn't going to listen to anything.
She said, what like to verify?

1351
01:46:55.560 --> 01:46:59.399
All they normally need is a number
and a password or something like a verbal

1352
01:46:59.439 --> 01:47:05.600
password. Exactly exactly, Okay,
which store was this? It's the one

1353
01:47:05.640 --> 01:47:12.800
that's in Johntown. It's forty seven
ninety one. Did you say anything to

1354
01:47:12.920 --> 01:47:16.840
him? Yeah? I told him. I said that we've never had a

1355
01:47:16.880 --> 01:47:21.319
problem with this before. We have
never had a problem with this before.

1356
01:47:21.560 --> 01:47:26.439
And my phone number. I pay
for my phone and it's on there.

1357
01:47:26.800 --> 01:47:31.640
And he said, we can't verify
who your sister is. But she already

1358
01:47:31.680 --> 01:47:36.840
did all of that and she was
on the phone. Okay, So what

1359
01:47:36.840 --> 01:47:41.520
would you like us to do?
Seriously? I mean, I wouldn't mind

1360
01:47:41.520 --> 01:47:45.159
calling up there? Go ahead,
hen, And I told him I was

1361
01:47:45.199 --> 01:47:50.159
going to call the corporate office because
we've never had any problems before ever.

1362
01:47:51.119 --> 01:47:57.159
No, right now, you didn't
get your phone issues fixed? No,

1363
01:47:56.680 --> 01:48:00.600
No, he wouldn't even he wouldn't
even give you because he said he can't

1364
01:48:00.680 --> 01:48:06.800
verify anything. Yes, and you
guys, how many are on this family

1365
01:48:06.840 --> 01:48:13.880
plan? My mom she's in for
eighty nine, my sister she works from

1366
01:48:13.880 --> 01:48:16.960
home, my brother Marco, who
is a truck driver, and myself.

1367
01:48:19.239 --> 01:48:24.680
Wow, I can't believe they're giving
you such a hard time. I mean,

1368
01:48:25.039 --> 01:48:29.319
so, is there another store you
can go to? Yeah, but

1369
01:48:29.479 --> 01:48:35.479
I'm going to have to I don't
Yes, there is, I'm probably I

1370
01:48:35.479 --> 01:48:39.359
don't know. My sister may have
to go with me. I don't know.

1371
01:48:39.359 --> 01:48:41.760
Why do you think let me ask
you something? Now? That's bull.

1372
01:48:41.880 --> 01:48:44.520
You don't have to do that.
There are plenty of times when my

1373
01:48:44.640 --> 01:48:47.439
kids go to a store or my
wife and I'm the I'm primary on the

1374
01:48:47.479 --> 01:48:51.000
account, they can still get access. I just give them they I think

1375
01:48:51.159 --> 01:48:55.800
I have a verbal with AT and
T. There's some kind of verbal password.

1376
01:48:56.800 --> 01:49:00.600
Yeah, exactly, exactly. And
do you know what? I want

1377
01:49:00.680 --> 01:49:03.720
somebody to call up there and ask
him. Seriously. I want them to

1378
01:49:03.760 --> 01:49:08.000
call that store specifically and talk to
the manager say, look, man,

1379
01:49:08.239 --> 01:49:10.960
we got to report you were rude. All we want to know is how

1380
01:49:11.000 --> 01:49:14.199
does this woman? Did he tell
you what you needed to do? Or

1381
01:49:14.239 --> 01:49:16.439
did he just say I can't help
you? He said, I'm not going

1382
01:49:16.520 --> 01:49:20.159
to do anything because I can't verify
you're not on the account your name?

1383
01:49:20.520 --> 01:49:25.119
Okay? And did you say and
did you ask what do we need to

1384
01:49:25.159 --> 01:49:29.399
do? Yes? Because well my
sister did too because she was on the

1385
01:49:29.439 --> 01:49:32.479
phone, right. And what did
he say? He said, I'm not

1386
01:49:32.680 --> 01:49:39.680
allowed to authorize you over the phone. And here's the thing, Tom,

1387
01:49:40.039 --> 01:49:44.159
All he had to do was look
in my phone and all the information is

1388
01:49:44.239 --> 01:49:48.520
right there of who I am and
who she is. And she was on

1389
01:49:48.560 --> 01:49:53.800
the phone. Yeah. Was this
an old guy, a young guy or

1390
01:49:53.800 --> 01:49:57.239
what. I'm just curious what kind
of I don't know. I wouldn't guess

1391
01:49:57.239 --> 01:50:01.039
his age. He never used to
work at Verizon. Very rude and condescending.

1392
01:50:01.479 --> 01:50:06.239
And the male chauveness. Okay,
hold on, who wants to take

1393
01:50:06.279 --> 01:50:12.680
on this male chauveness pig? Who
do we have in the studio? Kachina

1394
01:50:13.680 --> 01:50:16.079
Chopper, the popper, and we
have Deputy Dollar. I'll do it.

1395
01:50:16.159 --> 01:50:20.560
Tom Chopper says, yes, yeah, Chopper. This is a veteran here,

1396
01:50:20.640 --> 01:50:25.680
Deborah. She all she wants is
to get her damn phone fixed.

1397
01:50:25.760 --> 01:50:27.760
Hey, what do you think is
wrong with your phone? Deborah? What's

1398
01:50:27.760 --> 01:50:30.680
what are the symptoms? I'm curious. Well, I don't I can't get

1399
01:50:30.720 --> 01:50:35.720
incoming calls. I can't call sometimes
it's supposed to have four G or five

1400
01:50:35.800 --> 01:50:40.600
Are you are you ready to get
an are you ready for an upgrade?

1401
01:50:40.600 --> 01:50:43.880
Do you know on the account?
Can you get a new phone with I'm

1402
01:50:43.920 --> 01:50:48.600
working with the Apartment of Vocational Rehab
there because of my disabilities in the military.

1403
01:50:48.960 --> 01:50:54.279
They're authorizing and we're waiting for an
authorization for a new computer so I

1404
01:50:54.319 --> 01:51:00.920
can go online to do applications,
apply for job, and they're wanting to

1405
01:51:00.399 --> 01:51:05.039
hit me and iPhone a new I
phone. Excellent. We want to help

1406
01:51:05.079 --> 01:51:08.800
you too, So hang on all
right, We're gonna get somebody to talk

1407
01:51:08.840 --> 01:51:12.199
to you. I'm Tom Martino three
oh three seven to one three talks seven

1408
01:51:12.239 --> 01:51:15.880
one three eight two five five.
Genesis Total Exteriors will take care of the

1409
01:51:15.880 --> 01:51:18.319
outside of your house everything from the
roof down to the deck and all of

1410
01:51:18.319 --> 01:51:24.279
the painting, windows, doors,
siding, stucco. That's Genesis. Tootalexteriors

1411
01:51:24.279 --> 01:51:29.800
dot com, Trial Audible dot com. Hey, I'm gonna give you two

1412
01:51:29.840 --> 01:51:31.720
things that are gonna save you money, and both have to do with air

1413
01:51:31.760 --> 01:51:35.640
conditioning. First of all, fix
It twenty four to seven. They do

1414
01:51:35.840 --> 01:51:41.840
an incredible deep clean I call it
the extreme clean tune and Check. They're

1415
01:51:41.880 --> 01:51:45.520
the only people that truly do this. I'm serious. The other ones say

1416
01:51:45.520 --> 01:51:47.479
they check, they just want to
shine a flashlight and then charge you.

1417
01:51:47.560 --> 01:51:51.960
But here's the bottom line. Fix
Myhome dot com that's the website. Fix

1418
01:51:53.000 --> 01:51:57.159
It twenty four to seven takes the
time to go through and helps increase your

1419
01:51:57.159 --> 01:52:00.439
efficiency by thirty percent, removing the
dirt extent the life of your AC just

1420
01:52:00.479 --> 01:52:05.680
thirty nine bucks for new customers.
That's fixmihome dot com. Now, speaking

1421
01:52:05.680 --> 01:52:12.039
of air conditioning, even if it
isn't tiptop shape, have it work less

1422
01:52:12.359 --> 01:52:16.960
way less like me. Okay,
I have air conditioning, but I hardly

1423
01:52:17.079 --> 01:52:21.239
use it. I'm telling you,
I have the QC Whole House fan.

1424
01:52:21.840 --> 01:52:27.520
That's quiet, cool, whole house
comfort, and it is amazing. I

1425
01:52:27.600 --> 01:52:30.760
keep it on a low speed.
It destratifies the tempts in the house,

1426
01:52:30.800 --> 01:52:34.239
meaning it evens out the temperatures from
top to bottom, side to side.

1427
01:52:34.279 --> 01:52:38.359
And here's what happens. When you
leave that on a low speed, your

1428
01:52:38.399 --> 01:52:43.640
house remains cool and comfortable and your
air conditioner works. I maybe I'll tell

1429
01:52:43.640 --> 01:52:46.720
you my air condition works maybe twenty
to thirty percent of the time. It

1430
01:52:46.840 --> 01:52:51.680
used to work more all the time. Right I'm talking. I'm saving seventy

1431
01:52:51.760 --> 01:52:59.279
to eighty percent. And that's no
exaggeration. That's QC Colorado dot Com.

1432
01:52:59.640 --> 01:53:03.039
I love this company. You will
do three oh three, eight hundred thirty

1433
01:53:03.039 --> 01:53:15.600
four nineteen. Three oh three eight
hundred thirty four nineteen Hey Tom Martine,

1434
01:53:16.279 --> 01:53:23.399
you're troubleshooter and I'm with Dan McKenzie
McKenzie law. We're talking about a state

1435
01:53:23.439 --> 01:53:27.439
planning in between everything else. Now, here's something I want to know and

1436
01:53:27.520 --> 01:53:30.920
it's something I thought I learned,
but I'm not sure. Some people buy

1437
01:53:30.279 --> 01:53:34.039
life insurance. Is that part of
a gift? Is that part of your

1438
01:53:34.399 --> 01:53:39.279
Does that go against your exemption?
Like when you have life insurance and the

1439
01:53:39.319 --> 01:53:42.680
proceeds go to a beneficiary, how
does that work? It is part of

1440
01:53:42.680 --> 01:53:45.960
the exemption unless you do something so
it counts against your exemption. Yeah,

1441
01:53:46.039 --> 01:53:48.399
okay, not that it matters.
Like I said, most people are never

1442
01:53:48.439 --> 01:53:53.000
going to get to that exemption.
But the point is, can you Is

1443
01:53:53.000 --> 01:53:57.520
there a way to do it outside
of that? Yeah? So you might

1444
01:53:57.560 --> 01:54:00.560
have heard of your vocal life insurance
trust. That is an you're a vocal

1445
01:54:00.600 --> 01:54:02.359
trust you set up. It is
the owner of the policy, not you.

1446
01:54:02.880 --> 01:54:05.520
So you buy that, but you
pay for it. You're paying.

1447
01:54:05.560 --> 01:54:09.960
You give the trustee the money to
pay the premium every year. But if

1448
01:54:10.000 --> 01:54:14.039
that's a gift, potentially, but
it's usually under the amount and so then

1449
01:54:14.319 --> 01:54:16.760
so then can you use a life
insurance trust for a number of reasons?

1450
01:54:16.800 --> 01:54:20.720
Can you use a life insurance trust
to pay a state taxes? If you

1451
01:54:20.760 --> 01:54:26.399
ever had any Yes, yep,
and again a state tax. Do you

1452
01:54:26.479 --> 01:54:29.680
ever think there'll be a point where
there really will be a state tax on

1453
01:54:29.720 --> 01:54:33.399
everything? Doesn't it decline every year
that the exemption? No, because up

1454
01:54:33.399 --> 01:54:36.479
every year. Oh, I thought
it's going up by the cost of living

1455
01:54:36.640 --> 01:54:40.119
which is why it's such a weird
amount now, So it's like thirteen point

1456
01:54:40.159 --> 01:54:44.560
four million. But then isn't But
isn't it on a schedule? Like doesn't

1457
01:54:44.600 --> 01:54:46.640
it? Didn't it expire one year
where it was zero? Yeah? I

1458
01:54:46.680 --> 01:54:49.640
did, and they said that was
a hell of time to die. Yep.

1459
01:54:50.039 --> 01:54:55.159
What year do you recall? That
is twenty ten? So everything left

1460
01:54:55.199 --> 01:55:00.159
in your estate was taxed? No, nothing was taxed. George Steinbrenner gave

1461
01:55:00.159 --> 01:55:03.439
away the Yankees with no estate tax
because he died that year. Oh,

1462
01:55:03.479 --> 01:55:06.359
that was the year when there was
no there was no there was there was

1463
01:55:06.359 --> 01:55:10.720
no limits, like, yeah it
was, there was yeh exemption. But

1464
01:55:10.840 --> 01:55:14.399
isn't there just the opposite to where
it's a zero exemption? I thought?

1465
01:55:15.159 --> 01:55:17.199
I thought it went both up and
down. I mean, the lowest I'm

1466
01:55:17.239 --> 01:55:20.359
aware of it having been anytime recently
it is about six hundred thousand. Back

1467
01:55:20.399 --> 01:55:25.640
at the beginning of the two thousands. But do you think it'll be here?

1468
01:55:25.680 --> 01:55:29.039
Do you think a certain amount of
exemption will be here for good for

1469
01:55:29.239 --> 01:55:32.760
regular people? Yeah? Yeah,
yeah, yes, yeah. I mean

1470
01:55:32.760 --> 01:55:36.000
it transcends parties kind of, doesn't
it. I mean because people. I

1471
01:55:36.000 --> 01:55:40.239
mean, if you pay taxes on
everything all your life, for God's sakes,

1472
01:55:40.439 --> 01:55:42.720
you want to be able to leave
it to your kids or to your

1473
01:55:42.960 --> 01:55:46.039
loved ones without paying tax on it. Yeah, and and and by the

1474
01:55:46.079 --> 01:55:48.960
way, what is a state tax? Okay, let's just say, let's

1475
01:55:49.039 --> 01:55:55.960
dream a little and somebody has more
than the exempted amount for the amount above?

1476
01:55:56.560 --> 01:56:00.960
Is it a big percentage? What
is it? What that's high?

1477
01:56:00.199 --> 01:56:02.840
Then you might have some state like
you know some states. So are you

1478
01:56:02.960 --> 01:56:08.920
telling me a guy like Jeff Bezos
or somebody seriously, they could end up

1479
01:56:09.000 --> 01:56:15.000
potentially are you kidding? Paying billions
that could happen or millions? There must

1480
01:56:15.000 --> 01:56:17.359
be ways around it. What are
Yes, there's charitable donations, there's the

1481
01:56:17.439 --> 01:56:21.800
gifting, there's the area what about
trust to trust? But you know when

1482
01:56:21.800 --> 01:56:25.880
you if you move assets into a
neurovocal trust, again, you file a

1483
01:56:25.920 --> 01:56:28.680
gift tax returned when you do that, because you're giving away. So there

1484
01:56:28.920 --> 01:56:32.920
to a certain extent, then there
is no way to pass on a certain

1485
01:56:32.960 --> 01:56:38.760
amount of generational wealth without giving the
government forty percent. There truly isn't a

1486
01:56:38.760 --> 01:56:42.800
way. I mean, in other
words, wouldn't it be virtually impossible for

1487
01:56:43.119 --> 01:56:46.920
a billionaire to do that without any
tax to the government depending on their charitable

1488
01:56:47.079 --> 01:56:50.680
their charitable intentions, they could deal
with charitable donations. Okay, yeah,

1489
01:56:50.800 --> 01:56:55.920
but still it doesn't benefit their errors
necessarily. Right, all right, we

1490
01:56:56.039 --> 01:56:59.760
have more coming up. Get your
calls in problems, questions or complaints three

1491
01:56:59.800 --> 01:57:03.199
all three seven one three talk seven
one three eight two five five, and

1492
01:57:03.199 --> 01:57:08.159
then we're gonna find out what Verizon
why the guy was an idiot to our

1493
01:57:08.279 --> 01:57:20.640
veteran coming up? Yeah, ripped
up had news. You need advice,

1494
01:57:20.720 --> 01:57:28.960
so you don't have the come running
just as fast as we can show Shooter's

1495
01:57:29.039 --> 01:57:35.479
gonna help. Come man, This
is the Troubleshooter Show. No Tom Martine.

1496
01:57:36.079 --> 01:57:40.840
Hey, I'm Tom Martino. Welcome
to the show. The only show

1497
01:57:41.000 --> 01:57:45.039
is kind of anywhere in the universe
where we're solving problems, answering questions,

1498
01:57:45.119 --> 01:57:47.239
taking complaints, making life just a
little easier. You know what I decided

1499
01:57:47.279 --> 01:57:54.760
to do. I decided to unleash
my Google Voice number. Maybe I shouldn't

1500
01:57:54.760 --> 01:57:59.720
do that. I was gonna.
I'm gonna give it out, and I'll

1501
01:57:59.720 --> 01:58:02.239
tell you why. Because I can
get text at this number. I think,

1502
01:58:02.439 --> 01:58:06.960
yeah, I can get texts.
So if you want to send me

1503
01:58:08.000 --> 01:58:10.560
a text while I'm on the air, of course, you YouTube morons.

1504
01:58:10.600 --> 01:58:13.359
You can send me a text if
you if you, if you want to,

1505
01:58:13.720 --> 01:58:15.239
as well as your message is there
if you have a problem, question

1506
01:58:15.319 --> 01:58:19.920
or complain, anybody that wants to
text me at this number. And again,

1507
01:58:20.279 --> 01:58:25.000
you can text me at this number. You're ready for it. It's

1508
01:58:25.119 --> 01:58:30.640
it's a cool number. It's my
exclusive voice number that I use for my

1509
01:58:31.840 --> 01:58:42.119
calls on the air here already.
Seven four seven nine fifty two eighty.

1510
01:58:42.319 --> 01:58:45.359
Isn't that a cool number? Do
you know why I picked it? I

1511
01:58:45.399 --> 01:58:48.039
don't know why. I sound You
can pick any number you want with Google,

1512
01:58:48.079 --> 01:58:49.800
you know, but most of it
you used to be able to.

1513
01:58:50.199 --> 01:58:54.680
So I picked seven four to seven
because I like airplanes seven forty seven,

1514
01:58:54.880 --> 01:58:58.479
and then nine nine nine. I
just picked it because it was just easy

1515
01:58:58.520 --> 01:59:00.520
to remember. Nine nine nine,
and then fifty two eighty. Of course

1516
01:59:00.640 --> 01:59:05.199
is the mile high city. Seven
four seven nine nine fifty two eighty.

1517
01:59:05.439 --> 01:59:14.000
You can text me. Whoever gives
me a first text message will get one

1518
01:59:14.079 --> 01:59:17.079
hundred thousand. Never mind nothing.
I'm just kidding. You're not gonna get

1519
01:59:17.119 --> 01:59:23.159
anything. Uh three oh three seven
one three talk three oh three seven one

1520
01:59:23.239 --> 01:59:27.600
three eight two five five. I
hope I don't get endless text forever now,

1521
01:59:27.640 --> 01:59:30.800
But seriously, you can text me, and I'll and actually, when

1522
01:59:30.840 --> 01:59:35.279
you text me, I will.
Okay, all funny. Hey, I

1523
01:59:35.319 --> 01:59:40.920
didn't know you can. Ah.
I got a dirty picture. That's pretty

1524
01:59:40.960 --> 01:59:44.760
awful, isn't it. I just
send that to me, Shannon. Anyway,

1525
01:59:44.760 --> 01:59:46.640
I want to see if you get
pictures. I didn't know I can

1526
01:59:46.680 --> 01:59:50.079
get pictures now. I'm really gonna
have to. Oh no, I'm gonna

1527
01:59:50.119 --> 01:59:55.680
I open myself up to crap here, holy crap. Anyway, that we

1528
01:59:55.760 --> 02:00:01.520
got a picture of Kelly stuffing her
face. Yeah, he sent me a

1529
02:00:01.560 --> 02:00:08.000
picture of you, oh, Shannon. Yeah. By the way, you

1530
02:00:08.039 --> 02:00:13.920
can also text the show at five
seven nine. Okay, somebody just texted

1531
02:00:13.920 --> 02:00:16.279
me. What do I win?
Oh? Yeah, you can of course

1532
02:00:16.359 --> 02:00:23.359
text us at the regular text number. That's kind of boring. But somebody

1533
02:00:23.439 --> 02:00:26.000
said first, No, you're not
the first. You were the second.

1534
02:00:26.319 --> 02:00:28.920
Oh damn it. I'm just getting
their number but not their names, so

1535
02:00:28.960 --> 02:00:31.079
I don't know who they are.
Do me a favor and identify yourself.

1536
02:00:31.079 --> 02:00:33.920
And if you have any questions,
give me a just give me a question

1537
02:00:34.119 --> 02:00:38.399
anything. We got Dan McKenzie here
for questions if you want. Now,

1538
02:00:38.479 --> 02:00:41.000
let's talk to Kevin on a series. No, Kevin, what's happening?

1539
02:00:41.079 --> 02:00:44.680
Go ahead, Kevin? Hi,
how you doing? What's happening? Man?

1540
02:00:44.920 --> 02:00:48.119
What's going on? I have a
little bit of a problem with Gilbert's

1541
02:00:48.159 --> 02:00:54.760
Tree Service. Now what is Gilbert's
Tree Service? Is it for trimming and

1542
02:00:54.800 --> 02:00:58.640
all of that? Well, they
do landscaping, I guess, and they

1543
02:00:58.680 --> 02:01:02.479
also do firewood and then they delivered
firewood in the wintertime. What's the problem,

1544
02:01:02.520 --> 02:01:08.319
man, Well, back in February
I had him deliver a quart of

1545
02:01:08.359 --> 02:01:13.840
firewood and the guy, the guy's
four wheel drive wasn't working in his truck,

1546
02:01:13.880 --> 02:01:16.239
and he got wound up getting it
stuck, and the more he tried

1547
02:01:16.279 --> 02:01:18.840
to get out, the worst it
got, and he wound up taking out

1548
02:01:19.319 --> 02:01:25.000
two of my fence posts and the
gate and all of the fencing. What

1549
02:01:25.960 --> 02:01:30.800
and how long ago was this?
Well, he'd get it back in February.

1550
02:01:30.840 --> 02:01:32.640
I've been waiting, you know,
I waited until it got warm,

1551
02:01:32.800 --> 02:01:36.000
you know, to do the work. I've been calling and I've been calling.

1552
02:01:36.399 --> 02:01:40.720
Did he say he was going to
fix it? Yeah, they said

1553
02:01:40.720 --> 02:01:44.600
they were going to fix it,
but they just they're a no show then,

1554
02:01:44.600 --> 02:01:47.119
you know, they weren't answer my
phone calls. How much damage did

1555
02:01:47.119 --> 02:01:55.640
they do? I haven't had it
estimated at two four by four posts eight

1556
02:01:55.640 --> 02:01:59.560
foot long. And wait a minute, wait a minute, how does all

1557
02:01:59.640 --> 02:02:01.880
that happen? And from getting stuck? Was it snowing out? Why did

1558
02:02:01.920 --> 02:02:08.079
he get stuck? There was snow
and ice on the driveway and he and

1559
02:02:08.119 --> 02:02:11.319
he didn't have the traction, He
didn't have the four wale drive. Yes,

1560
02:02:11.359 --> 02:02:15.399
so formal dive, but it wasn't
working. So you're saying, okay,

1561
02:02:15.520 --> 02:02:20.319
because normally if a lot I'm trying
to think how this would work normally

1562
02:02:20.359 --> 02:02:24.000
if I have a delivery to my
house and they slip on the ice and

1563
02:02:24.079 --> 02:02:29.800
snow, is that truly their fault? You're saying he was ill prepared?

1564
02:02:30.079 --> 02:02:32.279
Yeah, yeah, because there was
supposed to be. He told me himself

1565
02:02:32.960 --> 02:02:36.439
that, you know, uh hit
the boss. How much did you get

1566
02:02:36.439 --> 02:02:41.319
this estimated? How much damage are
we looking at? I didn't get an

1567
02:02:41.399 --> 02:02:44.079
stmate because they were supposed to come
and just stick. Well, what if

1568
02:02:44.119 --> 02:02:46.359
you had to guess, Well,
you're talking about some posts, right,

1569
02:02:48.279 --> 02:02:55.760
well two two uh four by four
posts that about eight feet long? Uh?

1570
02:02:56.319 --> 02:02:59.720
And you know, and and that
are are they? Like? What

1571
02:02:59.760 --> 02:03:04.279
are the posts for? They're concreted
into the ground or well you dig a

1572
02:03:04.279 --> 02:03:06.520
hole and put them in. You
can put concrete in if you want,

1573
02:03:06.600 --> 02:03:09.600
yeah, yeah, but what are
they used for? Is that for your

1574
02:03:09.640 --> 02:03:15.000
gate or something? Yeah? Their
corner poster for the fence. And are

1575
02:03:15.039 --> 02:03:18.600
those the only things that broke?
No, you bent the gate up too

1576
02:03:18.800 --> 02:03:24.079
to prefer Is it one of those
is it a decorative gate or is it

1577
02:03:24.119 --> 02:03:29.640
one of those farm gates? The
farm gate? Okay, okay, like

1578
02:03:29.680 --> 02:03:32.640
you get at the feed store,
the big orange ones weald green? Yeah

1579
02:03:32.720 --> 02:03:36.199
yeah, yeah yeah? And how
big is it? Twelve feet six feet

1580
02:03:36.239 --> 02:03:41.760
eight feet? What is it?
It's twelve feet long five feet high?

1581
02:03:41.920 --> 02:03:46.680
Okay? Yeah? How much do
they cost nowadays? That? Oh wow,

1582
02:03:48.520 --> 02:03:53.279
I would only be guessing. Well, I'm gonna say I'm going to

1583
02:03:53.359 --> 02:03:56.840
say they're probably about two hundred bucks. And I'm going to say you're four

1584
02:03:56.960 --> 02:04:00.319
x four posts and labor. I'm
trying to figure out here you got you

1585
02:04:00.439 --> 02:04:05.840
got what around one thousand bucks?
Well maybe not that much, five hundred

1586
02:04:05.840 --> 02:04:09.920
to one thousand anyway, I mean, you would think this clown would call

1587
02:04:09.960 --> 02:04:13.159
you back for this. You know, we'll call them for if you want.

1588
02:04:13.359 --> 02:04:15.960
And here's the thing, worst case
scenario you can take in the small

1589
02:04:15.960 --> 02:04:19.239
claims court. I see you getting
a judgment against this clown. Where is

1590
02:04:19.279 --> 02:04:27.359
he located? I think out in
Peyton. You know, it doesn't sound

1591
02:04:27.399 --> 02:04:30.840
like the end of the world.
I mean, does this guy have you

1592
02:04:30.880 --> 02:04:38.239
know we have horses we have yeah, yeah, that fence that fences off

1593
02:04:38.279 --> 02:04:41.840
where they can graze. And we
can't put our horses out there because then

1594
02:04:41.800 --> 02:04:44.560
they'ren't wind up out on the road. No, I know what you mean,

1595
02:04:44.840 --> 02:04:47.960
you can't put an electric wire up
there temporarily. Well, well,

1596
02:04:48.039 --> 02:04:51.039
I mean it's also our driveway too. No, that's why we have the

1597
02:04:51.079 --> 02:04:55.399
gate there. No, but the
gate still works. It's just been right

1598
02:04:55.520 --> 02:04:59.560
or oh wait, no, the
gate is the boat that is attached to

1599
02:04:59.600 --> 02:05:01.720
with on the ground. God,
this guy did a lot of damage.

1600
02:05:01.760 --> 02:05:04.960
I mean, I mean for just
getting stuck. How big was the truck.

1601
02:05:06.239 --> 02:05:10.159
It was, you know, like
a big god ram, you know,

1602
02:05:10.399 --> 02:05:14.680
like twenty five hundred. But even
how that? Yeah, okay,

1603
02:05:14.800 --> 02:05:16.920
all right, I just find it
so odd. Okay, was it Gilbert

1604
02:05:17.000 --> 02:05:20.760
himself that did this or was it
one of his workers or what? Well?

1605
02:05:20.920 --> 02:05:25.560
Uh he said, I think it
was like his brother. But okay,

1606
02:05:25.640 --> 02:05:29.600
I mean that the guy doesn't work
there anymore because it's so big deal.

1607
02:05:29.640 --> 02:05:30.920
They still have to fix it.
Okay, but I'll tell you what.

1608
02:05:31.159 --> 02:05:33.960
This lady, But the lady came
out, I guess one of the

1609
02:05:34.399 --> 02:05:38.880
you know, the head people came
out. I talked to her, well,

1610
02:05:38.920 --> 02:05:40.960
yeah, well we'll fix it.
You know, you know we were

1611
02:05:41.079 --> 02:05:43.960
landscaping company. We'll come out and
fix it. And she took pictures of

1612
02:05:44.000 --> 02:05:47.159
it and stuff. And then I
waited till I got warm, you know

1613
02:05:48.279 --> 02:05:51.119
and stuff, and then they call, you know, I called them,

1614
02:05:51.159 --> 02:05:55.319
and I just think it got you
know, the run around, and then

1615
02:05:55.399 --> 02:05:58.880
finally they just said, we're not
gonna you know, we're not gonna deal

1616
02:05:58.920 --> 02:06:00.920
with you. You're gonna have to
deal with it manager, and get me

1617
02:06:00.960 --> 02:06:04.760
another number. Let's do that.
Hold on, let's run it. Let's

1618
02:06:04.800 --> 02:06:09.680
do that. Let's uh, let's
figure out what we can do. We're

1619
02:06:09.680 --> 02:06:13.199
gonna call them and see we can
light a fire under him. Hey,

1620
02:06:13.319 --> 02:06:18.560
can you give this to Deputy Dollar
because he's there hanging out. Let's do

1621
02:06:18.680 --> 02:06:24.359
that, Deputy Dollar. Three oh
three seven one three talk seven one three

1622
02:06:24.439 --> 02:06:29.680
eight two five five. All right, I'm getting text on my Google voice

1623
02:06:29.800 --> 02:06:35.199
number. And here's the deal.
Somebody wants to know Dan. Instead of

1624
02:06:36.359 --> 02:06:41.479
talking about rich people who have millions
and millions of dollars in estate taxes,

1625
02:06:42.000 --> 02:06:46.039
let's talk about the real deal.
What are the expenses of normal probate.

1626
02:06:47.119 --> 02:06:50.000
That's a good question. I never
actually asked that before. What tell me

1627
02:06:50.039 --> 02:06:54.319
what's involved in probate? Yeah,
so to open a probate, you file

1628
02:06:54.359 --> 02:06:58.279
a petition with the probate court.
Usually that's about two hundred and forty bucks

1629
02:06:58.319 --> 02:07:00.319
okay fee, And then you've got
to run a credit or notice, usually

1630
02:07:00.760 --> 02:07:04.279
in news. Now, what's a
creditor note? Now there's no newspapers?

1631
02:07:05.319 --> 02:07:09.039
What? No, Really, they
have to update the law. When it

1632
02:07:09.079 --> 02:07:13.079
comes to notice, it should be
on Facebook or it should be on Instagram.

1633
02:07:13.159 --> 02:07:15.600
I swear to God. I mean, so where do you run notices?

1634
02:07:15.640 --> 02:07:19.239
Nowadays? They still have a legal
requirement for newspapers. Yeah, you've

1635
02:07:19.239 --> 02:07:24.479
still got the Inglewood as a recorder. They Aurora Sentinel, like these small

1636
02:07:24.560 --> 02:07:29.439
whoever reads those? I'm thrilled.
I'm thrilled that we're running his creditor notices

1637
02:07:29.479 --> 02:07:31.039
in the smallest newspapers we can find, right, I mean we're trying.

1638
02:07:31.159 --> 02:07:33.680
Yeah, what is the requirement for
notice? I got to run at least

1639
02:07:33.680 --> 02:07:36.439
once a week. It's got to
run in the county that the person lived

1640
02:07:36.439 --> 02:07:40.800
in when they passed away. It's
got to circulate to at least ten thousand

1641
02:07:40.840 --> 02:07:45.199
people. So there's some minimal requirements
here. And you can actually find newspapers.

1642
02:07:45.279 --> 02:07:46.439
Yeah. Yeah, if you can't, what do you do? I

1643
02:07:46.479 --> 02:07:49.960
mean you can, Okay, I've
never had that problem. Okay, now,

1644
02:07:50.239 --> 02:07:54.640
so that's notice of credit. Five
bucks to run that three times right

1645
02:07:54.680 --> 02:07:59.640
now. So there's and then you
know, usually there's a few filings after

1646
02:07:59.680 --> 02:08:03.920
that. It's probably for just the
court costs, probably in the three hundred

1647
02:08:03.000 --> 02:08:05.720
and in the newspaper fee probably about
three hundred and fifty bucks to do,

1648
02:08:05.800 --> 02:08:11.039
and then an attorney can be several
thousand. Now why do you say several

1649
02:08:11.079 --> 02:08:15.520
thousand? I mean, you know, when we're drafting the petition, we're

1650
02:08:15.560 --> 02:08:20.479
doing the creditor notices, we're helping
documentaries by the stuff to do. Yeah,

1651
02:08:20.520 --> 02:08:24.039
I mean we do flat fee on
probates too. But now, what

1652
02:08:24.199 --> 02:08:30.079
is the purpose of probate Because if
you go in and let's say your family

1653
02:08:30.119 --> 02:08:31.640
member dies and you go to their
bank, or you go to the clerk

1654
02:08:31.680 --> 02:08:35.159
in the quarter's office, or you're
talking to a title comment about selling their

1655
02:08:35.159 --> 02:08:37.159
assets, are you gonna be well, who are you? Like? How

1656
02:08:37.159 --> 02:08:39.039
do we know there isn't a will
out there naming somebody else to get this?

1657
02:08:39.520 --> 02:08:45.479
So do you actually get documents from
probate that that give you authority to

1658
02:08:45.520 --> 02:08:48.199
do things? You get a documents
called letters, which is the documents that

1659
02:08:48.279 --> 02:08:52.359
you which is the document that you
carry around and it tells the banks and

1660
02:08:52.439 --> 02:08:56.239
all the others that you have authority. Yeah. Now, can you have

1661
02:08:56.399 --> 02:09:03.039
one probate action and three or four
different authorizations for different people, like you

1662
02:09:03.079 --> 02:09:05.560
can do this, and you can
do this, and you can do that,

1663
02:09:05.800 --> 02:09:09.239
or do they Is it just all
on the personal representative? You can

1664
02:09:09.279 --> 02:09:13.319
have multiple people in the position together, Like I mean, it's like one

1665
02:09:13.359 --> 02:09:18.800
personal rep What if he's busy and
he wants to do I'll take care of

1666
02:09:18.840 --> 02:09:22.399
the banks, you take care of
the cars. You can agree to that

1667
02:09:22.479 --> 02:09:24.239
amongst each other, but you're all
on the hook for everything, right,

1668
02:09:24.279 --> 02:09:26.680
So if you decide like you're going
to take care of the cars, then

1669
02:09:26.760 --> 02:09:30.119
you don't do it. I'm you
know, I can't say, hey,

1670
02:09:30.159 --> 02:09:33.479
I told Tom to do it,
okay, because the personal representative is responsible.

1671
02:09:33.600 --> 02:09:41.279
Right, Well, what happens if
somebody doesn't want to be a personal

1672
02:09:41.279 --> 02:09:43.920
representative? They can just they don't
have to accept it. Oh yeah,

1673
02:09:45.039 --> 02:09:48.439
yeah, you probably should be very
you know, skeptical whether you want to

1674
02:09:48.439 --> 02:09:52.520
do that job or not really truly, So it's kind of like a favor.

1675
02:09:54.600 --> 02:09:56.439
Yes, I mean you can unless
you have money coming and stuff can

1676
02:09:56.520 --> 02:10:01.439
be paid for your time, you
can. Yeah, does it? Is

1677
02:10:01.479 --> 02:10:05.279
there a statute on what you're saying
reasonable compensation? Because we don't really know

1678
02:10:05.399 --> 02:10:07.000
usually how hard is this going to
be? Like we don't know how many

1679
02:10:07.000 --> 02:10:09.239
creditors are gonna show up, We
don't know if the state's gonna be sued,

1680
02:10:09.279 --> 02:10:11.119
We don't know. You know,
there's all kinds of stuff that can

1681
02:10:11.199 --> 02:10:15.199
happen that can either make the job. Now obviously, a personal representative could

1682
02:10:15.239 --> 02:10:18.000
just be a kid, the son
or daughter or could be a wife.

1683
02:10:18.359 --> 02:10:22.920
It often is yeah, either the
house or the oldest kid. It's a

1684
02:10:22.439 --> 02:10:26.720
very popular choice. But it's hard. I mean it's you know, I

1685
02:10:26.760 --> 02:10:28.520
tell people like it. Look if
I found out I had to liquidate everything

1686
02:10:28.600 --> 02:10:31.359
I own today and take care of
all my bills and close everything out,

1687
02:10:31.399 --> 02:10:35.399
like that'd be a hard job with
my own stuff, like to step into

1688
02:10:35.399 --> 02:10:39.000
somebody else's and figure all that out, Like that's so lot. What if

1689
02:10:39.039 --> 02:10:41.399
look, look, look, and
then you got to pay an attorney and

1690
02:10:41.439 --> 02:10:45.359
all that. What if everyone just
walks away? What happens? Just say

1691
02:10:45.359 --> 02:10:48.399
the hell with it. We're not
tangling that. You're not No one can

1692
02:10:48.439 --> 02:10:50.600
make you do it right, right, it can happen. So there's public

1693
02:10:50.640 --> 02:10:54.880
administrators out there that have been appointed
by the courts that can so so are

1694
02:10:54.880 --> 02:10:58.000
there literally people if there are states
not worth anything, who's going to take

1695
02:10:58.039 --> 02:11:01.439
the time and energy to pay their
bills and take care of stuff or or

1696
02:11:01.960 --> 02:11:05.680
you know what happens you just walk
away? Right? Well, as I

1697
02:11:05.720 --> 02:11:09.279
said earlier, creditors can open the
open the probate if they're not getting paid

1698
02:11:09.279 --> 02:11:11.680
and if they think it's worth it
while and if not, they just let

1699
02:11:11.760 --> 02:11:16.399
it go. Yeah, yeah,
so there are people that can die that

1700
02:11:16.520 --> 02:11:22.079
there's stuff just bait. Nothing.
No one does anything if it's real small,

1701
02:11:22.199 --> 02:11:24.079
yeah, I mean, you know, somebody's gonna be interested somewhere.

1702
02:11:24.279 --> 02:11:28.399
So usually someone's doing something. If
it's worth less than eighty two thousand bucks

1703
02:11:28.439 --> 02:11:31.079
and doesn't include real estate, you
can just use nafidavit to go around.

1704
02:11:31.159 --> 02:11:35.239
But a car you can do a
small state after David, But anything over

1705
02:11:35.279 --> 02:11:37.880
eighty two grand you've got to go
to court, yeah, to have it

1706
02:11:37.000 --> 02:11:43.920
transfer What if there's no transferable assets, but it's over eighty like cash in

1707
02:11:43.960 --> 02:11:46.840
the house, I'm serious about that. What if you're still supposed to go

1708
02:11:46.840 --> 02:11:52.159
a probate if it's more than eighty
two So even if there's nothing to legally

1709
02:11:52.239 --> 02:11:56.000
transfer ownership title, yeah, because
somebody has an interest in that cash.

1710
02:11:56.039 --> 02:11:58.039
I mean it's very common that people
have you know, there's people store and

1711
02:11:58.079 --> 02:12:03.039
hard metals and stuff like that.
We got crypto now, so there's stuff

1712
02:12:03.039 --> 02:12:05.600
out there, and yeah, practically
speaking, it's hard to trace it.

1713
02:12:05.680 --> 02:12:09.920
Obviously, this is really odd.
I mean it's really a good topic though.

1714
02:12:09.920 --> 02:12:11.920
Three all three seven one three talk
seven one three eight two five five

1715
02:12:13.319 --> 02:12:16.680
Grossmanwellness dot Com in fact, they
just got my blood work back. I

1716
02:12:16.760 --> 02:12:22.159
do it every three months, and
Grossman Wellness is such a great concierge practice.

1717
02:12:22.239 --> 02:12:26.800
You go every three months, your
all your prescriptions and your most of

1718
02:12:26.840 --> 02:12:31.840
your prescriptions, your supplements, and
three month blood work and consultations. It's

1719
02:12:31.880 --> 02:12:35.319
like having revolving physicals. I'm telling
you it's a great thing to do.

1720
02:12:35.439 --> 02:12:37.880
Grossmanwellness dot Com. For a few
hundred bucks, now here's what you do.

1721
02:12:39.479 --> 02:12:41.880
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1722
02:12:41.880 --> 02:12:45.119
first blood tests and see how it
goes with the examine and all that.

1723
02:12:45.359 --> 02:12:50.560
If you don't want to continue,
you don't have to Grossmanwellness dot Com.

1724
02:12:50.880 --> 02:12:54.039
All right, you've heard me talk
about this event we're having at the Sheridan,

1725
02:12:54.159 --> 02:12:58.319
a DTC that's shared in hotel at
the DTC, and it's going to

1726
02:12:58.319 --> 02:13:01.439
be on Thursday six point thirty.
Call for a reserve seat. It's an

1727
02:13:01.520 --> 02:13:07.479
educational seminar and all things financed,
like getting a retirement account, protecting a

1728
02:13:07.520 --> 02:13:11.560
retirement account, how to take and
when to take a Medicare excuse me,

1729
02:13:11.600 --> 02:13:16.159
a social Security and then also Medicare
benefits, reverse loans. If you need

1730
02:13:16.239 --> 02:13:20.600
to know about something. You can
ask questions as well, and it's educational

1731
02:13:20.640 --> 02:13:24.399
and no hard sales at all.
They're going to let you know what's available

1732
02:13:24.439 --> 02:13:28.239
in retirement, and that's my money. Myway dot com three oh three seven

1733
02:13:28.319 --> 02:13:33.760
seven nine sixty six hundred for your
seat three oh three seven seven nine sixty

1734
02:13:33.840 --> 02:13:39.159
six hundred. You're all Plumbing Colorado
dot net. I love doing commercials for

1735
02:13:39.199 --> 02:13:43.640
these guys because they simply say it
like this. You won't find a water

1736
02:13:43.760 --> 02:13:48.600
heater cheaper bomb done. You won't. No one can touch my price,

1737
02:13:48.640 --> 02:13:50.439
he says. In fact, if
you want a forty gallon tank, it's

1738
02:13:50.439 --> 02:13:54.359
thirteen ninety nine fully installed, the
old one taken out all the way,

1739
02:13:54.680 --> 02:13:58.199
fourteen ninety nine for a fifty gallon
tank. Think about that. Fourteen hundred

1740
02:13:58.199 --> 02:14:01.840
and ninety nine dollars for a fifty
gallon water tank fully installed. Now,

1741
02:14:01.880 --> 02:14:03.680
if you want a bigger one,
they can do it bigger and still save

1742
02:14:03.720 --> 02:14:07.720
you money. No one can touch
their prices. Put them to the test.

1743
02:14:07.760 --> 02:14:11.800
You're all Plumbing Colorado dot ned three
O three six six's eight six's

1744
02:14:11.800 --> 02:14:20.600
eight four four Hi Tom Martino here
three three seven to one three talks seven

1745
02:14:20.600 --> 02:14:24.560
one three eight two five five love
this show. Tom, keep up the

1746
02:14:24.600 --> 02:14:33.079
good work. Thank you Rich okay, and also Wayne ass should I keep

1747
02:14:33.520 --> 02:14:39.439
my oil level topped up if it
is a quiff a court low or wait

1748
02:14:39.560 --> 02:14:41.960
till it's a full court? Okay? I can tell you that for sure.

1749
02:14:43.319 --> 02:14:46.680
You can do anything you want.
Don't ever go above the dipsticks smart

1750
02:14:46.680 --> 02:14:50.600
though, and don't overfill, but
you can wait for a court down.

1751
02:14:50.640 --> 02:14:54.039
In fact, to be honest with
your most cars can go two courts low,

1752
02:14:54.119 --> 02:14:58.039
but I would never go below a
court. And somebody else says,

1753
02:14:58.239 --> 02:15:03.279
uh, okay, let's see all
right. There's one that has some questions

1754
02:15:03.319 --> 02:15:07.720
for is it better to transfer my
four to one k to a wroth?

1755
02:15:07.760 --> 02:15:11.520
If you have a lump sum in
a four oh one k, there's nothing

1756
02:15:11.680 --> 02:15:18.199
wrong with taking that and putting it
in a wroth. Now it's called a

1757
02:15:18.239 --> 02:15:24.359
backdoor conversion. It's still subject to
certain things, but most of the time

1758
02:15:24.399 --> 02:15:26.800
you can do it. Most people
can do it. You can to put

1759
02:15:26.840 --> 02:15:28.239
it. When you put it in
a wroth, you pay tax on the

1760
02:15:28.279 --> 02:15:31.560
four O one k. Now,
if you anticipate taxes will go up,

1761
02:15:31.720 --> 02:15:35.920
or you want to just grow money
and not have any taxes. So what

1762
02:15:35.000 --> 02:15:39.560
happens is this, You take an
in service rollover, so you're not paying

1763
02:15:39.600 --> 02:15:43.479
the penalty. You're not paying if
you're under fifty nine and a half,

1764
02:15:43.560 --> 02:15:46.600
you're not going to be paying any
kind of a penalty. You'll only pay

1765
02:15:46.680 --> 02:15:48.720
tax. When you pay the tax, it goes into a wroth and then

1766
02:15:48.760 --> 02:15:52.319
grows tax free forever, and you
can take out the roth whenever you want.

1767
02:15:52.439 --> 02:15:58.000
Roths are also not subject to minimum
distribution requirements, you know required minimum

1768
02:15:58.079 --> 02:16:05.039
distributions are. So that's the answer
on that one. And then let's see,

1769
02:16:05.760 --> 02:16:09.760
Oh, thank you very much,
I listen every day Steve from Pablo,

1770
02:16:09.880 --> 02:16:15.319
thank you? Is there? If
there's no will and just a house

1771
02:16:16.399 --> 02:16:22.479
was refinanced and I added someone to
the loan, what happens? So if

1772
02:16:22.479 --> 02:16:26.039
someone doesn't have a will but they
added someone on their loan, what happens?

1773
02:16:26.039 --> 02:16:30.399
I mean? I almost I think
banks insist if you're on the loan,

1774
02:16:30.439 --> 02:16:31.920
you be on the title, but
I'm not sure about that. But

1775
02:16:33.120 --> 02:16:37.920
have you What does happen though?
If there is no will and a house

1776
02:16:37.000 --> 02:16:41.959
is left and somebody else is on
the loan, I just never evening.

1777
02:16:41.280 --> 02:16:46.600
I guess that could theoretically happen.
Yeah, I mean that it's gonna be

1778
02:16:46.639 --> 02:16:48.520
a problem for that person on that
loan because they don't necessarily get that.

1779
02:16:48.959 --> 02:16:52.879
Not necessarily, No, I think
nowadays they require you to be on both

1780
02:16:52.959 --> 02:16:56.399
title and the loan. I mean, if I'm a bank, I'm happy

1781
02:16:56.399 --> 02:16:58.840
to have as many people on that
loan. And yeah, you're right beyond

1782
02:16:58.840 --> 02:17:01.959
it. Now, now let me
ask you, so as far as ownership,

1783
02:17:01.200 --> 02:17:09.280
now, joint tenancy with rights of
survivorship means it goes that saves out

1784
02:17:09.280 --> 02:17:15.200
approbate right, Yes, joint tenants
correct, joint tenants as long as there's

1785
02:17:15.200 --> 02:17:18.799
a survivor right, the joint tenants
yes, right, and joint tenants in

1786
02:17:18.840 --> 02:17:22.799
there in its entirety. That's something
I had just learned about. What does

1787
02:17:22.840 --> 02:17:28.079
that mean? Is that in Colorado
or not? Yes, it means both

1788
02:17:28.159 --> 02:17:31.879
the or as many owners as there
hold it jointly on the entire asset,

1789
02:17:31.280 --> 02:17:35.879
all of them. Right. So
how is that different than let them when

1790
02:17:35.920 --> 02:17:37.959
you're with your wife and you have
joint tenancy with right or survivor right,

1791
02:17:39.040 --> 02:17:43.239
any any reflection that you own the
asset jointly. I mean, that's that's

1792
02:17:43.239 --> 02:17:45.959
what most deed say, is they
just say joint they own it. Jointly,

1793
02:17:46.280 --> 02:17:48.639
and that means you own the whole
thing, both both own it entirely,

1794
02:17:48.840 --> 02:17:52.159
unless you do tenants in common.
Tenants in common means you own separate

1795
02:17:52.200 --> 02:17:56.479
shares, okay, and it doesn't
have to be fifty to fifty No,

1796
02:17:56.000 --> 02:18:03.280
okay, all right, and then
uh okay, here's some we're talking about

1797
02:18:03.399 --> 02:18:07.719
cheap fakes off the air. I
guess someone heard it. A cheap fake,

1798
02:18:07.840 --> 02:18:11.239
is what who mentioned? It was
a cheap fake of Biden looking puzzled

1799
02:18:11.440 --> 02:18:16.319
the White House? Yeah, a
cheap that. What they meant to say

1800
02:18:16.399 --> 02:18:20.479
was deep fake. But this guy
that texted me or this woman says a

1801
02:18:20.600 --> 02:18:24.639
cheap fake is a Chrysler three hundred
trying to be a Bentley. Remember how

1802
02:18:24.680 --> 02:18:31.120
they they looked at they looked at
They looked like Bentley's at one time.

1803
02:18:31.159 --> 02:18:35.479
Do you remember that when they first
came out the Chrysler three hundred. Anyway,

1804
02:18:35.559 --> 02:18:39.040
somebody else wants to know, how
do I apply to be a YouTube

1805
02:18:39.079 --> 02:18:41.920
moron? You're there. All you
do is sign on and you're a moron.

1806
02:18:43.200 --> 02:18:46.600
It's honorary and it's automatic. Three
O three seven one three talks seven

1807
02:18:46.639 --> 02:18:52.680
one three eight two five five For
those listening the Google voice number and now

1808
02:18:52.840 --> 02:18:56.120
you can still text the station number
two, you know the five seven seven

1809
02:18:56.200 --> 02:19:00.760
three nine. But I thought it
would be fun to put my Google one

1810
02:19:00.799 --> 02:19:03.920
out there too. Anyway, we
got more coming up on the Troubleshooter show,

1811
02:19:07.040 --> 02:19:13.120
well we wanted to. We had
an inquiry about why Tom do you

1812
02:19:13.159 --> 02:19:16.760
always insist on it's better to have
one invoice for all your exterior damage when

1813
02:19:16.799 --> 02:19:20.239
it comes to helstorms. I'm going
to just be logical here. Think about

1814
02:19:20.239 --> 02:19:24.399
this. If you have somebody fixing
the fence, somebody fixing the decks,

1815
02:19:24.440 --> 02:19:28.360
somebody fixing and siding, somebody fixing
windows, somebody fixing roofs, somebody fixing

1816
02:19:28.879 --> 02:19:33.440
you know whatever. You got all
those different contractors and some claims to submit

1817
02:19:33.479 --> 02:19:37.600
to your insurance and all of that. Here's what I like Genesis Total Exteriors.

1818
02:19:37.639 --> 02:19:41.840
If you have multiple items of damage, they'll go all in one invoice.

1819
02:19:41.879 --> 02:19:45.239
They do it all one company,
one point of contact. They'll deal

1820
02:19:45.280 --> 02:19:48.200
with your insurance if you want them
to. Genesis Tootalexteriors dot Com for all

1821
02:19:48.200 --> 02:19:52.440
your storm damage. GENESSI is a
company I know and I've known for years,

1822
02:19:52.440 --> 02:19:56.920
and I trust them also about Genesis, they can do mold Mitigation and

1823
02:19:58.799 --> 02:20:07.079
Detection three three six seven nine eight
five zero nine. Hi Tom Marchino,

1824
02:20:07.239 --> 02:20:11.799
you're a troubleshooter. Three zero three
seven one three talk three oh three seven

1825
02:20:11.799 --> 02:20:18.959
one three eight two five five.
Now we have the Google Voice number I

1826
02:20:18.000 --> 02:20:24.239
gave out for people to text me
during the show and with problems, and

1827
02:20:24.319 --> 02:20:26.360
truly, if you want to call
back to be on the show, you

1828
02:20:26.440 --> 02:20:33.920
can text us there and then the
number is seven four seven nine two eighty.

1829
02:20:35.040 --> 02:20:37.360
It's a pretty cool number, right
anyway, So welcome to the show.

1830
02:20:37.920 --> 02:20:46.280
And also I got some consumer news
that all of those videos that we've

1831
02:20:46.319 --> 02:20:52.639
seen of Biden looking vacant, afraid
alone, roam wandering off on his own,

1832
02:20:54.639 --> 02:21:00.799
those are all cheap fakes. They're
not real. They're all cheap fakes.

1833
02:21:00.840 --> 02:21:05.680
By the way, the Federal Trade
Commission is doing so you know,

1834
02:21:05.840 --> 02:21:09.920
I really like the Federal Trade Commission
at times. I really do. No

1835
02:21:09.959 --> 02:21:13.079
matter who's president, I like him. They're going after Adobe, and this

1836
02:21:13.159 --> 02:21:18.600
is a problem I've long sinsed about
Adobe. They trap people. You can

1837
02:21:18.840 --> 02:21:24.639
easily sign up for Adobe and they
don't sell any of their software. You

1838
02:21:24.680 --> 02:21:28.920
have to get a subscription to the
software. So I have the whole Adobe

1839
02:21:28.959 --> 02:21:31.559
suite. Now I love their products. I have what's called the Creative Cloud

1840
02:21:31.879 --> 02:21:35.399
where you get all the stuff in
there. You know, Audition, Photoshop,

1841
02:21:35.520 --> 02:21:41.840
Illustrator, all of that, right, Adobe, what else Photoshop,

1842
02:21:41.920 --> 02:21:46.719
let's say, I said that,
Acrobat, all of that. So however,

1843
02:21:46.840 --> 02:21:50.040
when you want to get rid of
the subscription, you can't find a

1844
02:21:50.079 --> 02:21:54.120
place to cancel your subscription, and
then they tell you you got a call,

1845
02:21:56.079 --> 02:21:58.840
and then you can't get through.
And I've long said they trap.

1846
02:22:00.600 --> 02:22:03.280
But there's another thing they're going after
him for. Not only that. Not

1847
02:22:03.319 --> 02:22:09.239
only is it they can't easily cancel
their software, that's for sure, their

1848
02:22:09.239 --> 02:22:16.000
software subscriptions, but also they're charging
them fifty percent of the remaining payments if

1849
02:22:16.079 --> 02:22:20.239
you do it during an annual period. So the FDC says, no way,

1850
02:22:20.799 --> 02:22:26.959
Jose, that ain't gonna happen.
So therefore the Federal Trade Commission,

1851
02:22:26.159 --> 02:22:33.680
in my opinion, actually doing something
right. I love when the government does

1852
02:22:33.719 --> 02:22:37.559
something right. Now under I'm just
going to say something, under Obama,

1853
02:22:37.799 --> 02:22:43.719
the Federal Trade Commission, and he
went after some people and for credit card

1854
02:22:43.760 --> 02:22:46.319
fees and all that, and I
kind of like that. By the way,

1855
02:22:46.079 --> 02:22:50.000
Oh and by the way, if
you're black, you got to vote

1856
02:22:50.000 --> 02:22:54.440
for Biden. That's what I hear. You can't vote for Trump. Except

1857
02:22:54.959 --> 02:23:03.079
Biden's his popularity among black sasis decrease. He still holds a majority of the

1858
02:23:03.079 --> 02:23:07.200
black vote according to surveys, but
it's dropped quite a bit, like eighteen

1859
02:23:07.360 --> 02:23:13.000
nineteen points, and those have all
gone over to Trump. So I'm wondering

1860
02:23:13.639 --> 02:23:18.799
when a black person goes from Biden
to Trump, what the reason is.

1861
02:23:18.879 --> 02:23:22.520
I often wonder that because Biden said, if you don't vote for me,

1862
02:23:22.559 --> 02:23:26.079
what do you say if you you're
not black, if you don't vote for

1863
02:23:26.120 --> 02:23:31.159
me? Or something like that.
Anyway, speaking of black people and surveys,

1864
02:23:31.239 --> 02:23:35.399
listen to this. This is a
serious note right now. And I

1865
02:23:35.479 --> 02:23:39.120
really do find this difficult to believe
right now because I don't know, and

1866
02:23:39.280 --> 02:23:45.120
obviously that's a white man's perspective to
think, is this really still going on?

1867
02:23:45.520 --> 02:23:52.319
But this is what seventy six percent
of surveyed Black adults, now this

1868
02:23:52.440 --> 02:24:03.719
survey was done in late twenty twenty
three, that black public officials are singled

1869
02:24:03.799 --> 02:24:11.319
out to be discredited. What does
that mean? Black public officials are singled

1870
02:24:11.360 --> 02:24:22.120
out? So this is what seventy
six percent of Black Americans believe also police

1871
02:24:22.200 --> 02:24:31.559
do little to stop guns and drugs
in black communities. This is seventy six

1872
02:24:31.600 --> 02:24:37.159
percent of Black adults say the police
are not doing much to stop guns and

1873
02:24:37.239 --> 02:24:48.360
drugs in black communities. Now,
I specifically remember, especially in California,

1874
02:24:48.639 --> 02:24:56.520
them telling police not to overpre have
on a big presence in black communities because

1875
02:24:56.520 --> 02:25:03.520
it's racist. They should spread it
around, and that's happening in New York

1876
02:25:03.559 --> 02:25:07.680
too. That I thought that if
you had a big presence of law enforcement

1877
02:25:09.280 --> 02:25:13.680
in black communities, it was considered
racist. And by the way, I

1878
02:25:13.719 --> 02:25:16.799
don't believe this. I believe it's
an insult to blacks what we do in

1879
02:25:16.799 --> 02:25:22.399
the name of racism. I mean, pretty soon, I think they're going

1880
02:25:22.479 --> 02:25:28.040
to have to look for another community
to blame for problems. They're saying shoplifting.

1881
02:25:28.440 --> 02:25:31.799
You know, the reason they raised
the limits on shoplifting is because it

1882
02:25:31.840 --> 02:25:35.440
was an undue hardship on blacks.
So what they're really saying is Blacks commit

1883
02:25:35.479 --> 02:25:39.239
most crimes, and we're decriminalizing carthsk
because of blacks. What they're saying is

1884
02:25:39.280 --> 02:25:43.639
that these laws are against blacks.
So what they're really saying is just so

1885
02:25:43.840 --> 02:25:46.879
stupid. It's such an insult to
black people. Anyway. Here's some more

1886
02:25:46.879 --> 02:25:52.920
of the survey. Seventy four percent
of black people say that they are disappropriate,

1887
02:25:54.159 --> 02:26:01.040
dis proportionately incarcerated so prisons can make
money. And these are true surveys,

1888
02:26:01.079 --> 02:26:09.520
by the way. And then big
business market luxury items to black people

1889
02:26:09.600 --> 02:26:13.879
to keep them in debt. They
say that they've included black people in a

1890
02:26:13.879 --> 02:26:18.680
lot of these commercials for high priced
luxury items on purpose to keep them in

1891
02:26:18.760 --> 02:26:24.719
debt. Now, this is a
sorry commentary right here, that so many

1892
02:26:24.760 --> 02:26:28.639
blacks are distrusting of society in general, isn't it. I mean, really,

1893
02:26:28.680 --> 02:26:31.639
I mean we're doing a bad job
because I'm thinking, as a white

1894
02:26:31.680 --> 02:26:35.000
person, well, this isn't going
on still, right, I mean,

1895
02:26:35.520 --> 02:26:39.760
there's no one targeting blacks. But
that's not what the black community thinks.

1896
02:26:39.040 --> 02:26:46.719
In fact, listen to this.
Fifty five percent, fifty five percent of

1897
02:26:46.799 --> 02:26:58.879
the black adults surveyed believe that medical
researchers are experimenting on black people without their

1898
02:26:58.000 --> 02:27:05.840
knowledge or consent. That sounds like
a movie, remember the movie Get Out.

1899
02:27:07.239 --> 02:27:16.000
That's what that sounds like. The
government encourages single motherhood among black women

1900
02:27:18.239 --> 02:27:24.200
on purpose. What are you kidding
me? Fifty five percent believe that,

1901
02:27:26.520 --> 02:27:35.239
and half half of black adults believe
that the government is promoting birth control and

1902
02:27:35.360 --> 02:27:46.600
abortion to hold back the black population. Now get this, So they're actually

1903
02:27:46.680 --> 02:27:50.360
saying, you know, the progress
I mean, I guess it's a progressive

1904
02:27:50.399 --> 02:27:58.120
government is promoting birth control as health
and abortion as health in order to keep

1905
02:27:58.239 --> 02:28:05.040
black popular small. This is a
crazy survey, truly is. It was

1906
02:28:05.120 --> 02:28:09.159
done by the Pew Research Institute.
I mean, this is not like some

1907
02:28:09.520 --> 02:28:16.520
shlock organization three three seven one three
eight two five five. Anyway, Meanwhile,

1908
02:28:16.680 --> 02:28:22.440
I want Dan mackenzie, we have
a question for you on informal probate.

1909
02:28:22.520 --> 02:28:26.319
I think you mentioned it earlier.
Is that what you were mentioning this

1910
02:28:26.319 --> 02:28:31.000
person's asking about informal probate is that
for is what they really mean to is

1911
02:28:31.159 --> 02:28:33.120
small probate? Is that what they're
saying? No, No, there's a

1912
02:28:33.120 --> 02:28:37.079
smallest state affidavits for small Okay,
smallest state affidavit ifs are under eighty two

1913
02:28:37.079 --> 02:28:41.360
grand right, yeah, and when
you don't have real estate, right,

1914
02:28:41.479 --> 02:28:43.959
Okay, you can do a smallest
state affidavit and have things. So when

1915
02:28:45.040 --> 02:28:50.600
you do a smallest state Affidavid,
Does that happen with a personal representative?

1916
02:28:50.079 --> 02:28:54.159
Yeah. Usually one of the things
you have to explain in the smallest state

1917
02:28:54.200 --> 02:28:56.319
affidavit is why you're the right person
to be coming and getting the stuff that

1918
02:28:56.360 --> 02:29:01.120
you're collecting, And does there have
to be a will shown? No?

1919
02:29:01.760 --> 02:29:03.600
Okay, Then what's informal? What
is it? What do they mean by

1920
02:29:03.639 --> 02:29:07.840
anything in probate. Once probate is
necessary, you've got two options. One

1921
02:29:07.920 --> 02:29:11.799
is formal and one is informal,
And most people are informal just because if

1922
02:29:11.799 --> 02:29:16.600
it's not contested, we're not really
expecting any creditor issues. This estate seems

1923
02:29:16.600 --> 02:29:20.440
to be we either have an original
will or no will, Like there's not

1924
02:29:20.559 --> 02:29:24.959
really anything that's obviously going to be
fought about. We use the informal process,

1925
02:29:24.000 --> 02:29:28.840
and that usually is just the personal
representative files the petition, they get

1926
02:29:28.879 --> 02:29:33.639
appointed. They're going out there and
doing stuff without much court approval or court

1927
02:29:33.680 --> 02:29:39.239
oversight. I should say, the
beneficiaries and creditors can still complain, they

1928
02:29:39.239 --> 02:29:41.479
can still ask for hearings, but
it's called informal, Yeah, because the

1929
02:29:41.520 --> 02:29:46.520
court's not really having hearings unless asked. Okay. In a formal process,

1930
02:29:46.559 --> 02:29:50.600
hearings get scheduled proactively, and when
we do think there might be issues.

1931
02:29:52.000 --> 02:29:54.959
So if somebody is going to contest
the appointment of the personal representative, any

1932
02:29:54.959 --> 02:29:58.559
of the issues I just mentioned are
there, like creditor issues or can fighting

1933
02:29:58.559 --> 02:30:03.879
over stuff, you would file the
formal process and actually schedule hearings. Okay,

1934
02:30:03.079 --> 02:30:09.479
we got more coming right up.
All right, and I'm telling you

1935
02:30:09.520 --> 02:30:13.719
that this Thursday night. If you
want to learn about retirement, retirement planning

1936
02:30:13.840 --> 02:30:22.879
and income through retirement, Medicare,
social Security, reverse loans, and things

1937
02:30:22.000 --> 02:30:30.319
dealing with people as they age,
and security in retirement and income and financial

1938
02:30:30.399 --> 02:30:33.479
instruments, it's at six point thirty
Denver TTC. But here's what I'd like

1939
02:30:33.520 --> 02:30:39.920
you to do. Simply go and
call this number for a reserve seat,

1940
02:30:39.079 --> 02:30:43.719
totally free, no obligation. Three
O three seven seven nine sixty six hundred

1941
02:30:43.719 --> 02:30:48.319
three oh three seven seven nine sixty
six hundred. You know, zero Res

1942
02:30:48.360 --> 02:30:54.200
is a carpet cleaning company. It
really is. It employs purified softened water

1943
02:30:54.319 --> 02:31:00.799
that is an extremely effective cleaning agent. In fact, and once I learned

1944
02:31:00.799 --> 02:31:05.280
this, I started using this water
for everything. I'm serious. Now,

1945
02:31:05.440 --> 02:31:09.840
Zero Res is a carpet cleaning company. They also do duct work and tile

1946
02:31:09.920 --> 02:31:13.680
and groud and upholstery and all of
that right, But what I love about

1947
02:31:13.719 --> 02:31:20.040
him is they also make your house
healthier. So I like them for carpet

1948
02:31:20.040 --> 02:31:24.159
cleaning because they feel and look like
new. But I also like them because

1949
02:31:24.200 --> 02:31:28.639
of how safe it is. And
they take out all that old residue from

1950
02:31:28.639 --> 02:31:35.159
your carpet from previous cleanings and leave
it with zero res that zero Resdenver dot

1951
02:31:35.200 --> 02:31:41.120
com and you will certainly notice the
difference. They're the only people I'll let

1952
02:31:41.159 --> 02:31:45.239
in my home now for carpet cleaning, and you really need to give them

1953
02:31:45.239 --> 02:31:50.559
a try. You'll never go back
zero Resdenver dot com three zho three four

1954
02:31:50.719 --> 02:31:58.879
seven one fifty one fifty way.
I have a question here that texts and

1955
02:31:58.920 --> 02:32:03.280
my Google number are tap credit cards
and debit cards safe, absolutely one thousand

1956
02:32:03.360 --> 02:32:07.879
percent safe. They're wonderful to have. Okay, Now, the other one

1957
02:32:09.079 --> 02:32:16.239
is somebody wants to know about a
Toyota Co Tacoma twenty twenty three. They

1958
02:32:16.280 --> 02:32:20.040
say I can go ten thousand miles
between oil changes. My experts say,

1959
02:32:20.200 --> 02:32:26.559
never go beyond five thousand miles for
any kind of any kind of oil change,

1960
02:32:26.600 --> 02:32:31.559
no matter what vehicle you have.
So anyway, we are done for

1961
02:32:31.680 --> 02:32:35.040
today and I want to say thank
you for joining us. Dan mackenzie.

1962
02:32:35.040 --> 02:32:41.079
Here's where you get in touch with
Dan for estate planning purposes, facing probate

1963
02:32:41.159 --> 02:32:46.760
or trying to avoid probate. Eight
three three co plans eight three three co

1964
02:32:46.159 --> 02:32:50.319
plans. Now remember this, folks. You can go three all through Martino

1965
02:32:50.440 --> 02:32:54.479
twenty four to seven three all three
six two seven eight four sixty six and

1966
02:32:54.600 --> 02:32:54.959
save all your problems for me