WEBVTT 1 00:00:00.600 --> 00:00:13.960 Yeah, rip dum, you need advice so you don't have come running just 2 00:00:14.039 --> 00:00:20.960 as fast as we can. Shooter's gonna help coming Man Dix. Is the 3 00:00:21.120 --> 00:00:27.399 Troubleshooter Show. Now, Tom Martino, Hi, Tom Martino. Here. 4 00:00:27.600 --> 00:00:34.320 This is the Troubleshooter Show. Consumer advocates fighting for you, solving your problems, 5 00:00:34.359 --> 00:00:38.520 answering questions, and taking complaints. Listen when we're here or not here. 6 00:00:38.600 --> 00:00:41.640 Three oh three Martino passing around. That's the place to get in touch 7 00:00:41.640 --> 00:00:46.039 with us for help, information and referrals. Three oh three, seven to 8 00:00:46.039 --> 00:00:50.039 one three A talk is the regular number. But three oh three Martino three 9 00:00:50.119 --> 00:00:52.719 oh three, six two seven eight, four sixty six. Keep that in 10 00:00:52.759 --> 00:00:55.799 mind. This is how it brought to you by you're a plumbing Colorado dot 11 00:00:55.880 --> 00:00:59.560 net. Let me just explain that to you water heaters that the best price 12 00:00:59.640 --> 00:01:03.759 is ever starting at thirteen ninety nine for a forty gallon fully installed the old 13 00:01:03.759 --> 00:01:06.840 one, taking out hallaway, then fourteen ninety nine for a fifty gallon, 14 00:01:06.879 --> 00:01:10.400 no one can touch it. If you're looking for a water heater, Raim 15 00:01:10.480 --> 00:01:18.560 or Aosmith euro Plumbing Colorado dot Net. Angela wants to talk about cosmetology school 16 00:01:18.799 --> 00:01:22.599 coming up. We'll talk a little bit about my retirement summit tonight with a 17 00:01:22.840 --> 00:01:26.000 retirement planning center of the Rockies. We'll talk about also the Supreme Court. 18 00:01:26.079 --> 00:01:30.640 Mark is watching that right now. The Supreme Court hearing oral arguments on whether 19 00:01:30.680 --> 00:01:36.920 Trump can be allowed on the ballot. This is of the utmost importance when 20 00:01:37.000 --> 00:01:42.040 it comes to overall the country. Basically, we talk a lot about on 21 00:01:42.079 --> 00:01:46.560 the show about things that make us tick, things that tick us off, 22 00:01:46.599 --> 00:01:52.040 like A I like to say, I personally think, I don't know, 23 00:01:52.159 --> 00:01:56.959 like I'm not making a prediction, but this court seems to be a really 24 00:01:57.359 --> 00:02:02.959 strong advocate of states rights, especially like when it came to the abortion issue, 25 00:02:02.959 --> 00:02:07.560 they said, look, this is what each state can make a decision 26 00:02:07.560 --> 00:02:13.759 for themselves. We're not making it a federally protected constitutional right. What they 27 00:02:13.800 --> 00:02:17.680 do with this is anyone's guests. Of course, you can always weigh in 28 00:02:17.719 --> 00:02:24.319 on it if you're listening. Then there has been major major news in stem 29 00:02:24.400 --> 00:02:31.520 cell therapy and the Ninth District Court out in California. We'll talk about that. 30 00:02:31.639 --> 00:02:36.919 The major news, Angela, what's going on with you? Hello, 31 00:02:37.000 --> 00:02:44.759 Angela, are you there? I'm here? What's happening? So I attend 32 00:02:44.919 --> 00:02:53.000 IBMC Community College. Now what community college is that IBMC? I bet it's 33 00:02:53.039 --> 00:02:58.240 in Longmont. They have three campuses. There's one in Longmont, Fort Collins, 34 00:02:58.280 --> 00:03:00.719 and Greeley. They used to have more, but a few of them 35 00:03:00.759 --> 00:03:05.360 have been shut down. Okay, so you're in the Fort Collins campus and 36 00:03:05.400 --> 00:03:07.960 what's going on. I'm in the LONGMNT Campus. Oh, long Mont? 37 00:03:08.000 --> 00:03:14.080 Okay, got you long Mont. So I've had several problems. I've been 38 00:03:14.120 --> 00:03:20.719 going here around six months now, starting at the beginning, this is probably 39 00:03:21.280 --> 00:03:27.120 about five months ago. There's a girl who put up a petition because we 40 00:03:27.240 --> 00:03:31.439 don't have the things we need there that they're supposed to be supplying. So 41 00:03:31.560 --> 00:03:36.520 one thing to note is that they were in the middle of a merger the 42 00:03:36.639 --> 00:03:42.319 guy that owns the place. My friend has an own video and everything that 43 00:03:42.800 --> 00:03:46.560 she's talking to a teacher, and they got caught. He got caught stealing 44 00:03:46.639 --> 00:03:50.879 money or and buzzling money somehow from the school. Needless to say, our 45 00:03:51.000 --> 00:03:57.520 vendors stopped providing to the school. So this is obviously a private school. 46 00:03:57.680 --> 00:04:02.199 Is it accredited? And yeah, it is, it is. It's accredited. 47 00:04:02.319 --> 00:04:08.120 You can transfer these credits to any four year school well, no, 48 00:04:08.120 --> 00:04:12.080 no, they told me, because I did talk to them about that. 49 00:04:12.599 --> 00:04:15.400 They did say it's an accredited school. But what he did tell me, 50 00:04:15.520 --> 00:04:19.600 Michael baby the I guess he's not. He's not the CEO, he's one 51 00:04:19.639 --> 00:04:23.160 QUES. I don't care about any of that. What I care about is 52 00:04:23.199 --> 00:04:27.480 this. Is this a trade school or is this a true community college? 53 00:04:30.040 --> 00:04:32.959 I guess it would probably be more of a trade school. I don't know 54 00:04:32.959 --> 00:04:36.600 because I can't transfer, except well, what areas of study? Like? 55 00:04:36.879 --> 00:04:43.920 What areas of study? Do they have? Cosmetology and medical? Okay? 56 00:04:43.920 --> 00:04:47.519 And in the medical part it's not nursing, is it o? Yeah, 57 00:04:47.560 --> 00:04:51.120 it is. My friend's actually going for medical right now in the ninethe Okay, 58 00:04:51.279 --> 00:04:57.199 So what do they become when they leave there? A CNAs? Okay, 59 00:04:57.439 --> 00:05:02.240 so it's not okay. I'm looking at their website now and I can 60 00:05:02.279 --> 00:05:09.040 see that this is basically it says it's been around for thirty years, career 61 00:05:09.160 --> 00:05:16.519 training more than it's more of a trade school, and it's let's see what 62 00:05:16.600 --> 00:05:26.959 they say accreditation. They say that it is accredited, and it also says 63 00:05:27.040 --> 00:05:35.680 that accredited by career schools and colleges. It's okay, a nonprofit group, 64 00:05:35.959 --> 00:05:41.480 but I'm not sure anyway. What I was trying to figure out is did 65 00:05:41.480 --> 00:05:44.600 you get a student loan? By the way, I no, I'm playing 66 00:05:44.639 --> 00:05:48.920 with cash? Okay? And are you going to be able? I understand 67 00:05:48.959 --> 00:05:53.680 you're having problems and you're pissed off at the school, but are you going 68 00:05:53.759 --> 00:06:00.079 to be able to finish and get your certificate or whatever they give you? 69 00:06:00.199 --> 00:06:04.639 Yeah? Yeah, So let's talk now about the problems. The problems are 70 00:06:04.639 --> 00:06:08.279 not keeping you. How you've been there? How long more do you have 71 00:06:08.360 --> 00:06:10.199 to go? You've been there for a few months? How long do you 72 00:06:10.240 --> 00:06:15.720 have to go? About six months? Okay? Will you be able to 73 00:06:15.199 --> 00:06:20.079 if everything remain the same, will you be able to complete your course? 74 00:06:21.360 --> 00:06:29.519 Yeah? Now what are you taking from? Cosmetology? And? Okay? 75 00:06:29.600 --> 00:06:32.839 So now again I'm asking this for a reason. What do you want? 76 00:06:35.160 --> 00:06:40.399 You know? I want fairness in this school and for them to be professional. 77 00:06:40.839 --> 00:06:43.839 Really, that's that's the biggest thing for them. You heard a lot 78 00:06:43.879 --> 00:06:46.360 of people, you heard a lot of people complaining. You've observed a lot 79 00:06:46.399 --> 00:06:50.000 of problems, and you thought, you know what people should know about this? 80 00:06:50.000 --> 00:06:55.800 This school should be held accountable. Are they cheating anyone? Do you 81 00:06:55.879 --> 00:07:00.199 know or are they just you know schlocks they're cheating people? Yes? What 82 00:07:00.279 --> 00:07:05.000 way? How are they actually cheating people? Just like when I signed up? 83 00:07:05.040 --> 00:07:09.319 So my friend took this course five years ago, I know everything that 84 00:07:09.439 --> 00:07:13.439 was supposed to come in or kit and we didn't get half of what was 85 00:07:13.480 --> 00:07:16.560 supposed to come. And give me an example of something really eating at you 86 00:07:16.639 --> 00:07:24.600 that you didn't get well for me personally, it would be like all the 87 00:07:24.639 --> 00:07:30.319 skaincare products. Okay, there, but that's what I'm asking. They're not 88 00:07:30.439 --> 00:07:35.000 cheating, like taking money and not not doing the education you're we're talking about. 89 00:07:35.399 --> 00:07:39.000 I know they're big things to you, but little things here and there 90 00:07:39.079 --> 00:07:45.759 they're they're they're like skimping. Yeah. Yeah, What are the students doing 91 00:07:45.800 --> 00:07:48.759 about it? Are there students in other programs also upset? Or are they 92 00:07:48.800 --> 00:07:54.199 all in cosmetology? Oh? No, other students as well in medical. 93 00:07:54.319 --> 00:07:58.199 Give me an example like of what people are complaining about. Do you guys 94 00:07:58.199 --> 00:08:01.160 have meetings or is it on social media? Where do you guys talk? 95 00:08:03.839 --> 00:08:07.800 Well, several times students have gone and tried to talk to Michael to fix 96 00:08:07.879 --> 00:08:13.639 the problems. And Michael is who he's one step down below the CEO. 97 00:08:13.839 --> 00:08:20.279 He manages all the campuses. Okay, and so have you guys met with 98 00:08:20.319 --> 00:08:24.079 Michael. Yes, my husband actually went in there and had a meeting with 99 00:08:24.160 --> 00:08:30.439 him personally as well. And what did Michael say? Nothing? He just 100 00:08:30.560 --> 00:08:35.320 basically gave him a round about you know that they're the best school and this 101 00:08:35.480 --> 00:08:39.879 is why we should be here, And I don't know. And that's funny 102 00:08:39.879 --> 00:08:43.840 too, because the price went up four thousand dollars and we still didn't get 103 00:08:43.840 --> 00:08:46.720 half of what it was in our kids. Now, when you see in 104 00:08:46.759 --> 00:08:50.279 your kids, was there a contract somewhere that spelled out what you were supposed 105 00:08:50.279 --> 00:08:52.799 to get that you didn't get? Like, can we point can we call 106 00:08:52.919 --> 00:08:58.120 them and say, listen, we heard from a student. She's unhappy. 107 00:08:58.639 --> 00:09:03.720 She said she didn't get what she was supposed to get. Where is that 108 00:09:03.759 --> 00:09:05.679 list of what you were supposed to get? Not what your people used to 109 00:09:05.720 --> 00:09:09.960 get, but where they obligated themselves by contract or anything. Do you have 110 00:09:11.000 --> 00:09:15.720 anything like that? I well, on the internet website, we do have 111 00:09:15.799 --> 00:09:20.120 a picture before they changed it that this is what you'll get when you sign 112 00:09:20.200 --> 00:09:26.600 up. I but but, but okay, but that's not a contract. 113 00:09:26.639 --> 00:09:30.519 What I guess what I need to know is when you signed up. Is 114 00:09:30.559 --> 00:09:33.360 there anything that guarantees a certain amount of stuff that you did not get? 115 00:09:35.840 --> 00:09:39.360 I guess that would have to actually look through it. I don't That's what 116 00:09:39.440 --> 00:09:43.159 I'd love to know. I mean, we will, we would call the 117 00:09:43.200 --> 00:09:46.960 school, but I'll tell you right now, if we call the school, 118 00:09:46.879 --> 00:09:52.240 they're going to say, well, you know, we're doing the best we 119 00:09:52.320 --> 00:09:56.360 can. Uh. You know they're not going to say. We can't say 120 00:09:56.399 --> 00:10:01.919 to them you're cheating students. How would I prove that they're cheating unless you 121 00:10:01.000 --> 00:10:05.720 signed a contract or some kind of an agreement that said you were going to 122 00:10:05.799 --> 00:10:11.080 get this, this and this or another program. I do have one thing. 123 00:10:11.279 --> 00:10:15.159 My friend Destiny on the medical program at Night, still has not received 124 00:10:15.159 --> 00:10:18.039 her laptop and that I know she was supposed to get for sure. Can 125 00:10:18.080 --> 00:10:22.399 you also have her contact us? We will call the school if you can 126 00:10:22.440 --> 00:10:28.279 do that for us. I just need to hear some solid breach of contract. 127 00:10:28.720 --> 00:10:31.399 And I don't doubt what you're saying is true. And I know a 128 00:10:31.440 --> 00:10:35.039 lot of people get upset about things, but what we really need is to 129 00:10:35.080 --> 00:10:43.440 see how they're violating promises or marketing promises. That's really the one now Connie 130 00:10:43.440 --> 00:10:46.840 called yesterday. I want to take her real quick. So call us back, 131 00:10:46.879 --> 00:10:50.639 please, Angela, or have that person Causse or look through your own 132 00:10:50.679 --> 00:10:54.799 contract and give us something we can go to them with. Connie, when 133 00:10:54.840 --> 00:10:56.720 you called yesterday, I have this. I was just looking at your call. 134 00:10:58.679 --> 00:11:03.279 You said they totally al from Waterfront Apartments, and I said, okay, 135 00:11:03.799 --> 00:11:07.799 here's the deal. If your son parked there, even though it was 136 00:11:07.840 --> 00:11:11.080 his truck, it was newly his truck, he went across the street and 137 00:11:11.679 --> 00:11:16.799 he he got towed. And I said, on the surface, it looks 138 00:11:16.840 --> 00:11:22.039 like nothing was wrong. I said, if you did he comply with anything 139 00:11:22.080 --> 00:11:26.840 what had to be done or or you know. And then I wanted to 140 00:11:26.879 --> 00:11:31.639 also give you the good news, and that is, no matter how much 141 00:11:31.679 --> 00:11:35.240 you owe or they say you owe, they have to finance it for you. 142 00:11:35.519 --> 00:11:39.799 They have to allow you to get it out of there, so you 143 00:11:39.960 --> 00:11:43.759 don't have to pay the full amount. Are they insisting on the full amount? 144 00:11:45.919 --> 00:11:48.759 Well, the deal is is you know you were talking about registering with 145 00:11:48.879 --> 00:11:52.840 the apartment complex. Well, the office closes at five. No, I 146 00:11:52.919 --> 00:11:56.279 get that, but that's not that's not their problem. I don't want to 147 00:11:56.320 --> 00:11:58.720 I don't want to keep going over this. I'm going to take you see 148 00:11:58.759 --> 00:12:03.000 con Connie. I promise you I'm on your side. But I need to 149 00:12:03.080 --> 00:12:09.080 tell you this. On the surface, your son took a vehicle they never 150 00:12:09.159 --> 00:12:13.440 seen before. It doesn't matter if he owned it, it never was there 151 00:12:13.519 --> 00:12:18.200 before. He parked in the parking lot, got out of the truck and 152 00:12:18.240 --> 00:12:22.639 went across the street to eat. They did nothing wrong by towing it, 153 00:12:22.720 --> 00:12:28.000 Okay, nothing. What I need to know is if they are now going 154 00:12:28.080 --> 00:12:31.240 to do things correctly, and that is to allow you to get the truck 155 00:12:31.440 --> 00:12:39.159 back or the suv. Allow you to get it back for the amount I 156 00:12:39.639 --> 00:12:43.080 forget what the law specifies specifies, but they have to allow you to make 157 00:12:43.120 --> 00:12:48.720 payments. They can't hold it hostage for the whole amount. No, they 158 00:12:48.799 --> 00:12:54.519 want the full amount. No, this is Wyats. I understand it's Wyat's 159 00:12:54.720 --> 00:12:56.600 and I know why it's got into trouble with the state. Did you call 160 00:12:56.639 --> 00:13:01.879 the Public Utilities Commission? Yeah, yes, we filed a complaint. And 161 00:13:01.919 --> 00:13:07.480 what did they say. I haven't heard a respond yet. Okay, you 162 00:13:07.639 --> 00:13:11.440 here's the deal. They need to let you finance it. Do you have 163 00:13:11.519 --> 00:13:18.480 a contact at Wyatts you've been talking to. I can't remember what the lady's 164 00:13:18.559 --> 00:13:24.559 name is. But I'm just really you know, I'm older, and I'm 165 00:13:24.600 --> 00:13:28.679 really Connie. I know you're upset. I know you're upset, but something 166 00:13:28.720 --> 00:13:33.000 you're not going to want to hear. I don't think they towed it illegally. 167 00:13:35.080 --> 00:13:39.639 I don't think they did. You seem to think that because your son 168 00:13:39.159 --> 00:13:45.679 owned this truck or this SUV, Suzuki or whatever, that they're supposed to 169 00:13:45.799 --> 00:13:50.799 know that and not toe it because he lives there. But he did not 170 00:13:50.080 --> 00:13:56.799 comply with them. There are signs all over that says you need a permit. 171 00:13:56.600 --> 00:14:01.759 He did not have a permit. Your excuse is the office was closed. 172 00:14:03.080 --> 00:14:07.039 Well, if I buy a car and I don't have a driver's license, 173 00:14:07.320 --> 00:14:11.399 I can't say, well, DMV was closed. You just can't. 174 00:14:11.200 --> 00:14:16.679 I promise you that is not an excuse. Okay. He should have waited 175 00:14:16.759 --> 00:14:22.360 until the office was open registered the vehicle and then he could have then he 176 00:14:22.399 --> 00:14:28.120 could have parked there, or he should have never just parked and gone across 177 00:14:28.159 --> 00:14:31.960 the street. I'll bet you someone there, either a management or someone from 178 00:14:33.000 --> 00:14:37.279 Wyatt's, was watching to see that. That's what they do on these private 179 00:14:37.320 --> 00:14:41.919 lots. They looked to see for people that park and walk away. He 180 00:14:41.000 --> 00:14:46.960 didn't even go into the apartment complex. He went and did he park in 181 00:14:46.120 --> 00:14:52.159 visitor parking? And if he did and went in in his parking? Okay, 182 00:14:52.000 --> 00:14:54.759 again you understand what I'm saying. I'm not going to say it again. 183 00:14:54.799 --> 00:14:58.399 Three oh three seven to one three talk seven one three eight two five 184 00:14:58.519 --> 00:15:03.320 five. We need to call Wyatts. We need to call them and see 185 00:15:03.360 --> 00:15:07.639 why they are not allowing her to finance it. So let's give the Let's 186 00:15:07.840 --> 00:15:13.200 see if Deputy Chopper can call them. Let's just call them and and here's 187 00:15:13.240 --> 00:15:16.919 what we ask. Okay, why are you not following the toe bill? 188 00:15:18.360 --> 00:15:20.159 You look it up, Chopper. I think they have to take like only 189 00:15:20.200 --> 00:15:24.720 a certain amount of money and then they have to allow her to take the 190 00:15:24.799 --> 00:15:28.360 car and make payments. Now you still have to pay, but they can't 191 00:15:28.399 --> 00:15:37.240 hold it for the full amount. I'm Tom Martine Moore coming up. Go 192 00:15:37.360 --> 00:15:41.600 with a sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay 193 00:15:41.639 --> 00:15:48.399 a cent until you're content. Time for an insurance check up free, no 194 00:15:48.480 --> 00:15:52.360 obligation. In comparison, call Compass insurance paying too much your coverage at dozens 195 00:15:52.399 --> 00:15:56.120 of insurance companies. Find out now three O three seven seven to one help. 196 00:15:56.279 --> 00:16:00.840 You'll think you're his only customer when you choose Frank Ran the real estate 197 00:16:00.879 --> 00:16:04.320 man dot com to list your home with Remax Alliance three all three nine two 198 00:16:04.399 --> 00:16:12.639 zero sixteen twenty two. Hi Tom Martinez here three all three seven one three 199 00:16:12.679 --> 00:16:18.919 talks seven one three A two five five. I want to continue, Brenna. 200 00:16:18.200 --> 00:16:23.200 Is it Brenna or Brianna. I'm sorry, Brianna, I misread that, 201 00:16:23.320 --> 00:16:30.120 Brienna. What's going on? Hi? Hi? What's happening? Yes? 202 00:16:30.440 --> 00:16:36.320 I have actually just become a new homeowner in Colorado Springs, moved from 203 00:16:36.399 --> 00:16:41.600 Denver. Now was it a new home or a pre existing home? A 204 00:16:41.639 --> 00:16:45.879 pre existing home new to us? But okay, and what's going on? 205 00:16:47.919 --> 00:16:53.200 We had our reelers to help us to purchase the home, and I guess 206 00:16:53.240 --> 00:16:57.960 it seemed as though he had worked with the seller before, because the seller 207 00:16:59.039 --> 00:17:03.160 is an investor and you know, flits houses and things like that. Wait 208 00:17:03.200 --> 00:17:07.279 a minute, Wait a minute, who listed this home? The guy that 209 00:17:07.440 --> 00:17:11.640 sold it to you didn't list it, did he? No, the realator 210 00:17:11.680 --> 00:17:15.240 didn't sell it. Well, the relator sold it to us but we had 211 00:17:15.240 --> 00:17:19.440 found it on zillow. Okay, I got it. But he knew the 212 00:17:19.480 --> 00:17:25.880 cellar. There's nothing wrong with him knowing the cellar. However, however, 213 00:17:26.480 --> 00:17:33.319 he has a fiduciary responsibility as your agent to act on your behalf for your 214 00:17:33.359 --> 00:17:37.920 best interests. So what happened? Oh yeah, So we had started the 215 00:17:37.960 --> 00:17:42.480 process back in October of last year of getting the house. You know, 216 00:17:42.559 --> 00:17:48.200 we saw it during the Memorial I think it's one of the Memorial Day like 217 00:17:48.319 --> 00:17:52.720 the hot air balloon flights in Colorado Springs. Yeah, where they send off 218 00:17:52.759 --> 00:17:56.359 all the hot air balloons. Yeah, we were walking by and we were 219 00:17:56.400 --> 00:17:57.599 like, is that the house we sold? You know, it's not on 220 00:17:57.759 --> 00:18:00.880 the zero anymore. What's going on? So we, you know, stopped 221 00:18:00.880 --> 00:18:06.880 by after the parade kind of and we call it the realtor. You know, 222 00:18:06.960 --> 00:18:07.799 he's like, oh, yeah, no problem. You know, you 223 00:18:07.799 --> 00:18:11.119 guys can go ahead and look inside. When you called the realtor, hold 224 00:18:11.160 --> 00:18:18.720 on, was it off the sign? Yeah? Off the sign in front 225 00:18:18.759 --> 00:18:22.079 of the house. Yes. Okay, Well that's going to complicate things because 226 00:18:22.160 --> 00:18:26.400 okay, keep going. So we spoke to him, He's like, yeah, 227 00:18:26.480 --> 00:18:29.559 let's go ahead and you know, look into things you know financially. 228 00:18:29.599 --> 00:18:32.240 See if you guys, can you know, purchase the house. We're like 229 00:18:32.319 --> 00:18:34.960 great, you know this is amazing because being in Denver, we haven't been 230 00:18:34.960 --> 00:18:38.079 able to compete, you know, with other I just want you to know 231 00:18:38.160 --> 00:18:41.119 something, Brianna. I don't know what's going on with this problem, but 232 00:18:41.160 --> 00:18:45.319 I just want to give you a preview. The fact that you called the 233 00:18:45.400 --> 00:18:51.359 listing agent first and the listing agent engaged with you takes it off the table 234 00:18:51.440 --> 00:18:52.920 for a buyer's agent. Okay, I just want you to know that. 235 00:18:53.000 --> 00:18:56.799 So you complicated things. So when did you bring in a buyer's agent. 236 00:19:00.440 --> 00:19:04.480 We didn't. We went with you just told me. You just told me 237 00:19:06.000 --> 00:19:11.200 that the guy you had as your buyer's agent knew the guy who was selling 238 00:19:11.240 --> 00:19:18.680 the house. Yes, well, you didn't tell me he represented the guy 239 00:19:18.119 --> 00:19:25.519 selling the house. Yes, so he was not hold On, he was 240 00:19:25.680 --> 00:19:30.799 not your buyer's agent. Nope. Did he make that clear to you? 241 00:19:33.359 --> 00:19:37.759 I think he made it clear to us that he would be representing both of 242 00:19:37.880 --> 00:19:41.359 us. And well, okay, hold on, if he wanted to represent 243 00:19:41.480 --> 00:19:48.920 both of you, that's called a transaction broker. Your contract must clearly specify 244 00:19:48.359 --> 00:19:56.000 whether he is a seller's agent, a buyer's agent, or a transaction agent. 245 00:19:56.279 --> 00:20:00.839 If this is sounding very complicated, you you assumed he is your agent. 246 00:20:00.160 --> 00:20:07.319 He was not your agent. What happened then? Then we had the 247 00:20:07.359 --> 00:20:11.680 inspection done for the sewer of our house. We had what is the name 248 00:20:11.720 --> 00:20:15.119 of the company. I think it doesn't matter, Keep going. You had 249 00:20:15.160 --> 00:20:21.440 inspections done, what else we haven't? And we we had it come back 250 00:20:21.480 --> 00:20:26.119 with the report that there was an impassable blockage. I being the first time 251 00:20:26.160 --> 00:20:29.240 home buyer, I'm twenty three years old, I had no idea what this 252 00:20:29.359 --> 00:20:33.279 meant. My husband was so completely you know, out of it with trying 253 00:20:33.319 --> 00:20:36.400 to figure out, you know, how we were going to get all these 254 00:20:36.440 --> 00:20:40.200 open houses so we could sell our current condo. So he wasn't, you 255 00:20:40.240 --> 00:20:41.759 know, thinking too much into it. He had also, you know, 256 00:20:41.839 --> 00:20:45.559 previously bought properties with his family. Okay, so keep going. So you 257 00:20:45.599 --> 00:20:49.720 had a blockage. And by the way, here's another thing. I would 258 00:20:49.759 --> 00:20:57.200 never allow sellers to fix anything. I would demand that I have allowances to 259 00:20:57.279 --> 00:21:03.880 fix them based on pre exact estimates that I've gotten. But I assume they 260 00:21:03.920 --> 00:21:10.039 said they would take care of the blockage. I know, because we you 261 00:21:10.079 --> 00:21:12.039 know figured that. Oh, it's just something we can fix when we get 262 00:21:12.079 --> 00:21:17.200 there. It's so you knew about the blockage, and you did not demand 263 00:21:17.680 --> 00:21:21.759 that the seller fix it. You bought it with a blockage. We bought 264 00:21:21.759 --> 00:21:23.720 it with a blockage. Yeah, okay, so keep going, keep going 265 00:21:26.400 --> 00:21:29.200 where we're you know, coming into the house. Well, I'm telling you, 266 00:21:29.279 --> 00:21:32.720 man, you did this with knowledge. Uh so you went into the 267 00:21:32.799 --> 00:21:36.279 house. Did you later find out? Are you could just tell me a 268 00:21:36.359 --> 00:21:38.599 yes or no so we can get to the point and and and and try 269 00:21:38.640 --> 00:21:45.160 to help you. Is this the point of contention, the blockage? Yes, 270 00:21:45.359 --> 00:21:49.599 yes, okay, that's why you're calling. You bought the house with 271 00:21:49.720 --> 00:21:55.519 a blockage and found out it was. It was not easily cleared. You 272 00:21:55.599 --> 00:22:00.880 probably have to replace your line. Yes, we do have to replace the 273 00:22:00.920 --> 00:22:04.559 line. And how much is it going to cost you? Right now? 274 00:22:04.640 --> 00:22:08.559 About? I think we were saying eight to nine thousand Okay, you just 275 00:22:08.599 --> 00:22:15.799 bought yourself a house and paid eight to nine thousand more. There is Brianna, 276 00:22:15.119 --> 00:22:19.200 I am telling you there is nothing you can do if what you're telling 277 00:22:19.240 --> 00:22:23.680 me is how it went down, If you had an inspection done and accepted 278 00:22:23.720 --> 00:22:33.200 it, you accepted it we did accept it. Now it would be different. 279 00:22:33.279 --> 00:22:37.400 Hold on, Let's say the seller's agent who you were dealing with, 280 00:22:37.559 --> 00:22:42.160 lied to you about the blockage and said to you, or the seller lies 281 00:22:42.200 --> 00:22:47.079 to you and said, you know what, Brianna, this is a minor 282 00:22:47.160 --> 00:22:51.440 blockage. It can probably be cleared for a few hundred dollars. Now, 283 00:22:51.799 --> 00:22:56.759 I don't know if you have any lies. Lies would count? Did they 284 00:22:56.799 --> 00:23:02.920 lie to you? I feel it sold them. Not asking how you feel. 285 00:23:03.319 --> 00:23:07.720 I am asking you if they lied to you once once I told him 286 00:23:07.759 --> 00:23:11.400 about this, you know, being a bigger issue than we thought it would 287 00:23:11.400 --> 00:23:15.640 be, he said, I asked you when we did the inspection, because 288 00:23:15.759 --> 00:23:18.319 at the time we were in Denver, it was the middle of the week. 289 00:23:18.440 --> 00:23:22.680 I have banda get up here for Branna. That's after the sale. 290 00:23:22.720 --> 00:23:26.160 Here's what I'm asking you. I'm asking you this at the time of the 291 00:23:26.200 --> 00:23:33.359 inspection, at the time of the blockage, at any time prior to the 292 00:23:33.400 --> 00:23:38.200 closing, did they lie to you about the blockage either not being there, 293 00:23:38.680 --> 00:23:45.720 being very minor, or not being a big problem. The seller did not 294 00:23:45.960 --> 00:23:52.640 comment whatsoever on the plumbing status of the house in the seller's disclosures. That's 295 00:23:52.680 --> 00:23:59.799 that's a red flag right there. Okay, but that's not illegal. That's 296 00:23:59.839 --> 00:24:04.240 not illegal. That's not illegal to know and not do anything about it. 297 00:24:04.440 --> 00:24:10.240 Will hold on? Wait wait, wait, wait, it's not illegal to 298 00:24:10.519 --> 00:24:18.400 know and not lie about it. It's illegal. On that disclosure sheet, 299 00:24:18.839 --> 00:24:25.079 there's a yes, a no, or I'm not aware. What did he 300 00:24:25.319 --> 00:24:30.319 check when it came to plumbing. Nothing? He left it blank. Okay, 301 00:24:30.920 --> 00:24:34.480 then that was your problem for accepting it. Yeah, whoever your realture 302 00:24:34.640 --> 00:24:38.319 was was a dumb ass. That's well, she didn't have a realtor mark 303 00:24:38.720 --> 00:24:42.599 she had. I guess that makes her that that's right, she had a 304 00:24:42.640 --> 00:24:49.839 seller's agent. These people were were basically marks. They came in and basically 305 00:24:49.920 --> 00:24:55.720 were played. But listen, they they probably got around it. But I 306 00:24:55.799 --> 00:24:59.759 want to know something. If you said to them, I just want to 307 00:24:59.759 --> 00:25:03.440 know what this seller's agent said. If you said after the sale, wait 308 00:25:03.480 --> 00:25:07.640 a minute, this is going to cost us nine or ten grand to fix? 309 00:25:07.319 --> 00:25:14.640 And you know did you and your seller did not disclose anything about the 310 00:25:14.680 --> 00:25:17.839 plumbing? What did the guy say about that? Or the woman? Is 311 00:25:17.880 --> 00:25:21.640 it a man or woman? It's a man? What did he say about 312 00:25:21.640 --> 00:25:25.759 it? What did he say about it? Yeah? He said essentially that 313 00:25:25.839 --> 00:25:30.400 we didn't ask any questions, we didn't ask him to pursue the infection findings 314 00:25:30.440 --> 00:25:33.119 any further. And I think he's telling you the truth. I mean, 315 00:25:33.160 --> 00:25:36.880 you could have said, you could have gotten an estimate on what it would 316 00:25:36.880 --> 00:25:42.319 cost to fix Brianna. I think listen, here's what I think. This 317 00:25:42.359 --> 00:25:45.480 does not make me happy. I want to help you. You're twenty three 318 00:25:45.519 --> 00:25:51.640 years old. But the point is this, I don't think anyone did anything 319 00:25:51.680 --> 00:25:56.680 wrong except you and your husband. Honestly, I'm just trying to be straight 320 00:25:56.720 --> 00:26:00.000 with you. I don't want you to waste a lot of time and energy. 321 00:26:00.799 --> 00:26:04.119 You know, nothing nothing illegal that I hear, but definitely immral, 322 00:26:04.400 --> 00:26:08.240 I mean he screwed her. Yeah, I mean if this plumber, if 323 00:26:08.240 --> 00:26:15.880 this seller, if this seller did not, if this, you know, 324 00:26:15.920 --> 00:26:22.880 what would be bring hold on? You're assuming the seller knew about it. 325 00:26:22.079 --> 00:26:26.759 Prove it, Prove it. I was That's what I was going to say. 326 00:26:26.759 --> 00:26:29.960 Why don't you talk to the neighbors. Why don't you start doing some 327 00:26:30.599 --> 00:26:34.160 leg work and figure out if he mentioned anything to his neighbors about it. 328 00:26:34.160 --> 00:26:38.200 But even if okay, let's say the neighbors saw sewer crew out there that 329 00:26:38.240 --> 00:26:41.720 would be evidence that he knew something was up. But here's my question, 330 00:26:42.039 --> 00:26:45.680 and I think we need to get Frank Durand in the real estate Man on 331 00:26:45.000 --> 00:26:51.920 to make and only if he can actually say, if you leave it blank? 332 00:26:52.119 --> 00:26:56.200 Is there a problem with that? I guess there would be if she 333 00:26:56.440 --> 00:27:02.119 objected to it. The point is this just closure. Statements are not required, 334 00:27:03.160 --> 00:27:07.279 so I don't think you're even required. If they said nothing, I 335 00:27:07.319 --> 00:27:11.759 think that was your clue. Hold on, though, and we will get 336 00:27:11.799 --> 00:27:15.119 an expert opinion. Three oh three seven one three talk three oh three seven 337 00:27:15.200 --> 00:27:25.720 one three eight two five five Go with a sure thing Denver's best roofer Excel 338 00:27:25.839 --> 00:27:32.480 Roofing dot com. You don't pay a cent until you're content. Please time 339 00:27:32.519 --> 00:27:36.400 for an insurance check up free, no obligation. In comparison, call Compass 340 00:27:36.440 --> 00:27:41.079 Insurance paying too much your coverage at dozens of insurance companies find out now three 341 00:27:41.160 --> 00:27:44.960 oh three seven seven to one help. You'll think you're his only customer when 342 00:27:45.039 --> 00:27:48.759 you choose Frank Durand the real estate Man dot com to list your home with 343 00:27:48.880 --> 00:27:55.119 Remax Alliance three oh three nine two zero sixteen twenty two. Hi, I'm 344 00:27:55.160 --> 00:27:57.039 Tom Martino. Your troubleshooter three oh three, seven one three talk, seven 345 00:27:57.079 --> 00:27:59.920 oh three, eight and five. I've got to get to the phones. 346 00:28:00.039 --> 00:28:03.559 But Mark's been listening to oral arguments, and we talked about the two ways 347 00:28:03.599 --> 00:28:07.359 it can go. It can be universal for all states if they rule on 348 00:28:07.440 --> 00:28:11.119 the law, if they found the court did something wrong or the lawyers or 349 00:28:11.119 --> 00:28:14.480 something procedurally, they'd have to refile. It would be a mess. But 350 00:28:14.720 --> 00:28:18.119 we'll talk about that coming up. Okay, now is this Andrea? Is 351 00:28:18.160 --> 00:28:22.839 that? Am I pronouncing that right? Irea? I'll have to teach Kelly 352 00:28:22.920 --> 00:28:26.960 how to phonetically spell. But is it Andrea or Idria? Andrea's correct? 353 00:28:27.359 --> 00:28:33.119 Andrea? What's going on? Well, I was told to reach out to 354 00:28:33.200 --> 00:28:37.839 you by a friend who was having some legal issues in her past. That's 355 00:28:37.920 --> 00:28:41.759 kind of what I'm dealing with right now. Is kind of okay, Well, 356 00:28:41.119 --> 00:28:44.920 listen to this here. I'm glad to listen. I hope we can 357 00:28:45.000 --> 00:28:48.200 help you, but and I hope your friend didn't steer you wrong. What's 358 00:28:48.240 --> 00:28:52.559 going on? Well, basically, I'm kind of like in the middle of 359 00:28:52.640 --> 00:28:59.720 like a surprise, like custody battle surprise. How is a surprise? It's 360 00:28:59.720 --> 00:29:03.880 not a surprised, But so I'm currently co parenting with what my one year 361 00:29:03.920 --> 00:29:10.319 old's father, and I'm expecting another child by him, and we weren't really 362 00:29:10.359 --> 00:29:15.000 getting along, and so our last day that I sent my daughter with him, 363 00:29:15.079 --> 00:29:17.599 he decided to keep her, and then he went up to the courthouse 364 00:29:17.640 --> 00:29:21.680 and then filed paperwork on me for custody. But he's refusing to let me 365 00:29:21.720 --> 00:29:25.079 see or have any contact with my daughter until our first official court date, 366 00:29:25.359 --> 00:29:27.039 which wouldn't be until the end of this month. What did the court's rule? 367 00:29:27.119 --> 00:29:32.640 Did they do any emergency room ruling at all? They haven't done anything 368 00:29:32.759 --> 00:29:36.960 yet because I have been kind of business work and then trying to figure out 369 00:29:36.960 --> 00:29:38.559 things in between trying to go to work and go to the court. That 370 00:29:38.680 --> 00:29:44.279 was his claim when he filed. Did he make any claim, I'm not 371 00:29:44.319 --> 00:29:47.200 sure, but he's what from what he told me, he wants to try 372 00:29:47.240 --> 00:29:49.480 to do fifty to fifty custody with my daughter. But you know, he's 373 00:29:49.480 --> 00:29:52.960 doing kind of his legal version of kidnapping my daughter. Because wait a minute, 374 00:29:53.079 --> 00:29:56.039 I thought you had fifty to fifty or not. You didn't. We 375 00:29:56.079 --> 00:30:00.759 didn't have a court order yet, so we were okay. So he wanted 376 00:30:00.759 --> 00:30:03.000 to make it official. Yeah, he wanted to make it official, and 377 00:30:03.039 --> 00:30:06.799 then he kind of just I went when it was my day to get my 378 00:30:06.880 --> 00:30:08.079 daughter, I went to send him a text message. I get it, 379 00:30:08.799 --> 00:30:17.240 and uh yeah, now here's the problem technically with no order and you both 380 00:30:17.319 --> 00:30:19.200 being biological parents. By the way, this is not legal advice. I'm 381 00:30:19.240 --> 00:30:22.559 just going by what experts have told me in the past, and we can 382 00:30:22.559 --> 00:30:27.279 get one on. But normally, normally biological parents have equal rights. Okay, 383 00:30:27.400 --> 00:30:33.039 unless the courts took one away or unless they allocated more parenting time to 384 00:30:33.079 --> 00:30:37.640 one than the other. So he didn't really technically do anything wrong. Yeah, 385 00:30:37.799 --> 00:30:41.240 yeah, I know the technicality is behind that for sure. So right 386 00:30:41.279 --> 00:30:48.319 now, what I think you should do instead of fighting this temporary crap is 387 00:30:48.440 --> 00:30:53.079 work on the fifty to fifty unless you think that would not be in the 388 00:30:53.119 --> 00:30:56.079 best interest of the child. That's what they care about. They don't care 389 00:30:56.119 --> 00:31:00.440 about you or him. So what do you think now? Does he have 390 00:31:00.519 --> 00:31:06.480 an attorney? He might, He told me that he has. You know, 391 00:31:06.559 --> 00:31:10.319 he's been telling me one thing and you know, then another thing happens. 392 00:31:10.759 --> 00:31:12.799 So I'm never I'm not really sure. All I can do is kind 393 00:31:12.839 --> 00:31:17.680 of wait to deserve the so called papers that he filed. I filed my 394 00:31:17.799 --> 00:31:19.599 own, but like I have been waiting for a court day to pop up 395 00:31:19.599 --> 00:31:22.519 and nothing has come up. But the reason what I was kind of calling 396 00:31:22.640 --> 00:31:29.000 is because I kind of just was trying to see about getting like some support 397 00:31:29.079 --> 00:31:32.519 for myself because I feel like he's he's saying that he wants to make it 398 00:31:32.559 --> 00:31:36.119 fair, but he's like, I don't think when you say support, what 399 00:31:36.160 --> 00:31:37.640 do you mean? I mean, like, well, because I kind of 400 00:31:37.640 --> 00:31:42.440 don't have like money for a lawyer at the moment, And okay, lawyer 401 00:31:42.480 --> 00:31:48.599 that that's that's unfortunate if you don't have Does this guy have an attorney? 402 00:31:48.640 --> 00:31:51.880 That I asked you that? Did you tell me he does? He have 403 00:31:51.960 --> 00:31:55.279 someone? I'm pretty sure he does from what he told me he said he 404 00:31:55.319 --> 00:32:02.839 does. Okay, I gotta figure oute you see, let's let's call we 405 00:32:02.880 --> 00:32:07.559 need to call one of our family law attorneys. Can you get Harrison, 406 00:32:07.839 --> 00:32:10.640 one of the people at Harrison and see if they're what people do when they 407 00:32:10.839 --> 00:32:15.400 are indigen or don't have the money for an attorney and they're being challenged or 408 00:32:15.440 --> 00:32:19.279 can't Bonnie shield time, Yeah, Bonnie Shields would be great to Bonnie Shields 409 00:32:19.359 --> 00:32:22.319 Law. Hold on, I think I spoke with someone from the Harris Law 410 00:32:22.359 --> 00:32:24.400 firm too, but they I don't think they were a little bad on my 411 00:32:24.480 --> 00:32:29.079 price range too. But did they say there was any free help available? 412 00:32:30.039 --> 00:32:32.240 Well, there was one place that I forget what exactly the name of, 413 00:32:32.359 --> 00:32:36.880 but it was like Colorado Legal Law or something you got to get You basically 414 00:32:36.960 --> 00:32:38.599 get on a list. But Bonnie can tell you that. And all the 415 00:32:38.640 --> 00:32:44.319 attorneys in Colorado with family law, they get assigned stuff each year, but 416 00:32:44.400 --> 00:32:52.359 it is a list. You have to get on the list and go with 417 00:32:52.440 --> 00:32:55.519 a sure thing. Denver's Best Roofer Excel Roofing dot com. You don't pay 418 00:32:55.559 --> 00:33:04.640 a cent until your content time for an insurance check up free no obligation comparison 419 00:33:04.759 --> 00:33:08.880 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 420 00:33:08.880 --> 00:33:13.440 now three all three seven seven to one help. You'll think you're his only 421 00:33:13.519 --> 00:33:16.359 customer when you choose Frank durand the real estate Man dot com to list your 422 00:33:16.359 --> 00:33:23.440 home with Remax Alliance three all three nine two zero sixteen twenty two. Hi 423 00:33:23.640 --> 00:33:28.400 Tom Martino, your troubleshooter three all three seven one three talks seven one three 424 00:33:28.400 --> 00:33:30.880 eight two five five Frank durand the real Estate Man. I want to get 425 00:33:30.880 --> 00:33:36.440 you on real quick. Frank, Hey, Tom, good morning, real 426 00:33:36.519 --> 00:33:38.400 quick. Don't I don't even know if we're gonna have time. We're gonna 427 00:33:38.400 --> 00:33:42.200 be out in thirty seconds, so I'm not gonna bother Frank. If we 428 00:33:42.279 --> 00:33:45.920 can call you back, it would really help us. Go with a sure 429 00:33:45.000 --> 00:33:50.519 thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until 430 00:33:50.559 --> 00:33:59.279 you're contenth time for an insurance checkup free, no obligation comparison call Compass Insurance 431 00:33:59.400 --> 00:34:02.599 paying too much your coverage at dozens of insurance companies find out now three all 432 00:34:02.599 --> 00:34:07.359 three seven seven to one help. You'll think you're his only customer when you 433 00:34:07.440 --> 00:34:10.599 choose Frank durand the real Estate Man dot com to list your home with Remax 434 00:34:10.639 --> 00:34:22.840 Alliance three all three nine two zero sixteen twenty two. Yeah, ripped news 435 00:34:23.079 --> 00:34:31.840 need so you don't have come run anxious as we can. Shooter's gonna help. 436 00:34:32.119 --> 00:34:38.199 Come, man, this is the Troubleshooter Show. Now Tom Martino, 437 00:34:39.760 --> 00:34:43.960 Hi, Tom Martino, you're a troubleshooter. Welcome to the show three oh 438 00:34:44.039 --> 00:34:46.960 three seven one three talks seven one three two five five. Gary's with us. 439 00:34:47.280 --> 00:34:51.760 Let me go to the wide chef from rpcenter dot com Retirement Planning Center 440 00:34:51.760 --> 00:34:55.679 of the Rockies, Gary tonight at in Thornton. We have the summit going 441 00:34:55.719 --> 00:35:00.599 on. I want to know the main point you're trying to get across at 442 00:35:00.679 --> 00:35:04.280 the summit tonight, Well six o'clock. By the way, you can get 443 00:35:04.360 --> 00:35:07.239 us seat rpcenter dot com, no costs, Go ahead, Yeah you bet. 444 00:35:07.320 --> 00:35:09.960 We'd love to have people registered today. Just rpcenter dot com. Let's 445 00:35:09.960 --> 00:35:14.000 get a little closer to that mic for Melas. Okay, So yeah, 446 00:35:14.000 --> 00:35:17.079 we're gonna do the Retirement Freedom Summit, and the main emphasis tonight is to 447 00:35:17.159 --> 00:35:20.760 not bore you to death with a bunch of stuff or try to sell you 448 00:35:20.800 --> 00:35:23.960 anything. Forget about it. That's not the intent. We want to show 449 00:35:24.000 --> 00:35:29.199 you the main elements of a retirement plan and what you should do in each 450 00:35:29.400 --> 00:35:32.119 area, correct. And so we've got some of our strategic partners who will 451 00:35:32.159 --> 00:35:36.920 be there with us, and we're just anxious to share with you the five 452 00:35:37.000 --> 00:35:40.880 peak retirement process that we have trademarked and used in our practice, which will 453 00:35:40.960 --> 00:35:46.199 cover areas of income investments taxes. We're going to mainly be taking questions, 454 00:35:46.280 --> 00:35:50.440 so yes, yes, anyways, that's ourpcenter dot com. We'll come back 455 00:35:50.440 --> 00:35:53.559 to you, Gary. Let me get to these calls here. And so, 456 00:35:53.800 --> 00:35:59.320 Teresa, what is this comment that you have on a client issue? 457 00:35:59.360 --> 00:36:01.079 Can I help you? I'm not sure what you're calling about. Go ahead, 458 00:36:01.159 --> 00:36:09.920 Teresa? Are you there? Teresa? Okay, I might not have 459 00:36:10.079 --> 00:36:15.880 her, So you tell me, guys if we do or don't. Because 460 00:36:15.840 --> 00:36:22.119 it's Brianna, It's okay, it's Brianna. Okay, Teresa's not there, 461 00:36:22.199 --> 00:36:29.800 then okay, good Brianna high Let's uh, let's talk to Frank Duran, 462 00:36:30.920 --> 00:36:34.639 the real estate man dot com. We have an expert. He's an expert, 463 00:36:34.679 --> 00:36:37.480 and I just want to ask his I want to ask his opinion on 464 00:36:37.559 --> 00:36:42.199 this. Frank. Here's what happened. Brianna and her husband are buying a 465 00:36:42.280 --> 00:36:47.480 house right and they did not have a buyer's agent. They called off the 466 00:36:47.639 --> 00:36:54.039 sign, so that's it. They had an inspection done and it showed a 467 00:36:54.159 --> 00:37:00.679 sewer blockage. They assumed it's not going to be such a big deal. 468 00:37:00.760 --> 00:37:06.079 They want the house, They're going to buy it anyway. On the disclosure 469 00:37:06.159 --> 00:37:14.800 sheet. They said that the owner the seller left blank the plumbing area. 470 00:37:14.960 --> 00:37:20.159 Now, Brianna, I want to clarify that more, did the plumbing did 471 00:37:20.239 --> 00:37:23.440 the disclosure have any other blanks that they did not fill in? They didn't 472 00:37:23.480 --> 00:37:28.039 fill in. Yes, they didn't fill in. No, they didn't fill 473 00:37:28.119 --> 00:37:31.079 in do not know? Right? Is that what you're saying? Yes, 474 00:37:31.199 --> 00:37:38.800 they didn't fill in anything on what part on pretty much the entire form as 475 00:37:38.880 --> 00:37:45.239 far as well. See that's now see briandna hold on, that is exactly 476 00:37:45.480 --> 00:37:49.760 okay. When you first brought this problem, you said when it came to 477 00:37:49.840 --> 00:37:53.159 the plumbing, they didn't fill it. So you're saying they basically did not 478 00:37:53.440 --> 00:38:00.199 give you any disclosure whatsoever. Is that what you're telling me. The thing 479 00:38:00.199 --> 00:38:04.039 they put on the disclosure was that the appliances were near like the fridge and 480 00:38:04.159 --> 00:38:09.159 the show and the other areas of the disclosure, except for the appliances in 481 00:38:09.519 --> 00:38:15.719 every other area they did not check yes, they did not check no, 482 00:38:16.280 --> 00:38:22.320 and they did not check do not know? Yes. Okay, Now, 483 00:38:22.559 --> 00:38:27.800 see Brianna, what that tells me is okay, See, it looked a 484 00:38:27.920 --> 00:38:31.360 little more suspicious when you said they didn't fill in the plumbing part. What 485 00:38:31.559 --> 00:38:37.760 you're really saying is they basically filled in nothing. So Frank, let's talk 486 00:38:37.800 --> 00:38:44.440 about that. Are they required to fill in yes? No? Or do 487 00:38:44.639 --> 00:38:50.000 not know? Sem Absolutely if the seller elect to saw out of sellers properly 488 00:38:50.039 --> 00:38:53.800 disclosure, that's any adverse material facts they must disclose to the buyer. And 489 00:38:53.920 --> 00:38:55.960 I do have a question though, I do have a question. It was 490 00:38:57.039 --> 00:38:59.360 the and Briannon, I'm sorry this happened to you, by the way, 491 00:38:59.360 --> 00:39:02.760 I'm sorry, did did the Was the owner an investor owner that never lived 492 00:39:02.760 --> 00:39:07.800 there? Or was this somebody that actually had lived in the property an investor? 493 00:39:07.840 --> 00:39:12.079 I'm sure he probably never lived here at all. Okay, Okay, 494 00:39:12.199 --> 00:39:14.920 now, Frank, before you go on, Frank, before you go on, 495 00:39:15.840 --> 00:39:21.719 I need to know something. A disclosure sheet is or is not required 496 00:39:21.760 --> 00:39:25.159 by law? Is not required actually, but here's what is required. The 497 00:39:25.239 --> 00:39:29.119 seller is still whether they fill out a property disclosure or not, Tom, 498 00:39:29.440 --> 00:39:31.519 the seller is still is required by a lot of it disclosed any adverse material 499 00:39:31.639 --> 00:39:37.719 facts. Good. I didn't know that. So they can't just be mute 500 00:39:37.360 --> 00:39:43.599 on the subject. Absolutely, they would have to disclose. And that's that's 501 00:39:43.639 --> 00:39:45.159 they're more of a good tool to use. It's it's approved by the Real 502 00:39:45.280 --> 00:39:49.000 Estate Commission, so it's a tool we use in real estate. But technically 503 00:39:49.079 --> 00:39:51.639 the seller does not have to fill one out. But Frank, now I'm 504 00:39:51.639 --> 00:39:57.039 going to throw a wrinkle into this. She had her own inspection done which 505 00:39:57.280 --> 00:40:02.079 showed the sewer how to blow. So how much more would they have to 506 00:40:02.199 --> 00:40:07.840 disclose? Well, let me ask you this too, because that's a great 507 00:40:07.880 --> 00:40:10.719 point. Was this just, Brianna your inspector or did you actually have a 508 00:40:10.760 --> 00:40:16.800 plumber go out as well to give it a second opinion? The inspection and 509 00:40:17.000 --> 00:40:21.119 the like. The inspection of the regular house was done by one inspector, 510 00:40:21.239 --> 00:40:25.119 and then the plumbing inspection was done by a separate company, and you had 511 00:40:25.199 --> 00:40:30.239 that done, is that right? Yes? We paid for that ourselves. 512 00:40:30.320 --> 00:40:36.440 Yet and it said you had a sewer blockage, right, It said that 513 00:40:36.559 --> 00:40:40.000 there was an impassable blockage. Okay, impassable blockage. Now, Frank, 514 00:40:40.519 --> 00:40:46.280 I would say that no harm, no foul, even though they didn't if 515 00:40:46.320 --> 00:40:51.239 they did know about it, there was no harm done to the buyer because 516 00:40:51.320 --> 00:40:57.599 the buyer knew about it. I think the key Tom is just having disclosure 517 00:40:57.679 --> 00:41:00.440 and if the buyer was aware of it, and I'm just curious. Well, 518 00:41:00.559 --> 00:41:02.559 here's what I want to know, Frank, here's what I want to 519 00:41:02.599 --> 00:41:07.559 know. If she knew about it, by her own admission and her own 520 00:41:07.679 --> 00:41:14.000 inspector, what would the owner be obligated to disclose? On top of that? 521 00:41:14.360 --> 00:41:15.880 Would he have to say to her? By the way, Brianna, 522 00:41:16.760 --> 00:41:22.440 this is going to require a whole new sewer line. I mean, he 523 00:41:22.559 --> 00:41:27.159 doesn't have to He doesn't have to disclose anything more than she knew. I 524 00:41:27.280 --> 00:41:30.039 think it's two different things, Tom, because there was a disclosure for him, 525 00:41:30.320 --> 00:41:34.559 they didn't fill it out properly, but they signed it to the bottom 526 00:41:34.840 --> 00:41:37.760 that they weren't lying, weren't hiding anything, which they were. No. 527 00:41:37.880 --> 00:41:42.639 No, that part I get. But in order for okay, we all 528 00:41:42.760 --> 00:41:45.679 know this, in order to have any kind of a lawsuit or legal action, 529 00:41:46.280 --> 00:41:52.920 there has to be a loss as a result of the breach. Where 530 00:41:52.360 --> 00:42:00.440 is the loss she knew about the problem. I mean, That's what I'm 531 00:42:00.480 --> 00:42:06.360 trying to get at. Can she argue, Well, I didn't think it 532 00:42:06.519 --> 00:42:09.199 was serious, and the guy should have told me it was really serious. 533 00:42:09.800 --> 00:42:15.360 I mean, we're not talking about disclosure, we're talking about degrees of exposure. 534 00:42:15.719 --> 00:42:19.320 She wouldn't have even called if it was only a thousand bucks. She's 535 00:42:19.440 --> 00:42:22.599 calling because it's eight or nine thousand. Frank, Listen, you know how 536 00:42:22.719 --> 00:42:28.440 complicated real estate law is, and you know that disclosures come up all the 537 00:42:28.559 --> 00:42:32.320 time. How often do sellers really prevail on them when they know about them? 538 00:42:34.960 --> 00:42:37.639 Well, Tom, in my experience with things like that, it would 539 00:42:37.679 --> 00:42:40.599 normally favor the buyer because the buyer, you know, they have that obligation 540 00:42:40.719 --> 00:42:45.199 to disclose, Tom, So normally situations like this will favor the buyer. 541 00:42:45.760 --> 00:42:49.519 Okay, then here's what I want to ask. The buyer goes to court 542 00:42:49.679 --> 00:42:55.199 and says the seller never disclosed the sewer problem, and as a defense, 543 00:42:55.360 --> 00:42:59.400 I say, you're honor, you're right, but I didn't think it was 544 00:42:59.440 --> 00:43:05.360 that necessy after she had her own inspection and guess what they found an impassable 545 00:43:05.480 --> 00:43:12.760 blockage. So how much more damage did the buyer incur knowing there was an 546 00:43:12.840 --> 00:43:19.360 impassable blockage, but chose to buy it anyway? I mean, really think 547 00:43:19.400 --> 00:43:22.920 about it. I mean, what I hope we can help her? Where 548 00:43:22.920 --> 00:43:24.119 do we go? We go to the cellar and said, you should have 549 00:43:24.159 --> 00:43:27.960 told her about the blockage, and he said, well, she knew about 550 00:43:28.000 --> 00:43:30.599 the blockage. I mean, what are we going to ask for? What 551 00:43:30.760 --> 00:43:35.159 do we ask our real estate attorney? I think if you lie on that, 552 00:43:35.280 --> 00:43:37.840 that's a great idea. Let's go rest of it. It doesn't matter, 553 00:43:38.719 --> 00:43:45.719 Okay. Any lawsuit comes down to damages. Any laws who comes down 554 00:43:45.760 --> 00:43:49.960 to damage Tom Tom. If he had prior knowledge, there's no question he 555 00:43:50.000 --> 00:43:53.079 needed to dispose that. I don't doubt that, Frank, I don't doubt 556 00:43:53.119 --> 00:44:00.079 that. I don't doubt that. So if he disclosed there is an impassable 557 00:44:00.159 --> 00:44:05.880 blockage, he would have been in the clear. Is that right? Well? 558 00:44:06.079 --> 00:44:09.360 Yeah, because then okay, if she did not turn it down knowing 559 00:44:09.480 --> 00:44:15.679 there was an impassable blockage, what did him not telling her cost her? 560 00:44:15.199 --> 00:44:19.719 Let's just ask the attorney. I know, but I'm just Mark. This 561 00:44:19.920 --> 00:44:23.840 is called a discussion. I think you're connecting. I just where we disagree 562 00:44:24.000 --> 00:44:29.159 is. I don't think the second part matters. I understand what you're saying. 563 00:44:29.239 --> 00:44:32.440 But the fact that he lied on the disclosure, I think he's got 564 00:44:32.559 --> 00:44:36.880 to fix it. Okay, Good, let's talk to our attorney because I 565 00:44:36.960 --> 00:44:39.679 don't know the answer. Okay. I think there's going to be a question 566 00:44:39.960 --> 00:44:45.280 of loss. If she knew nothing about it, she could have said I 567 00:44:45.480 --> 00:44:51.159 would not have purchased it. Therefore, by purchasing it, I incurred a 568 00:44:51.239 --> 00:44:55.440 ten thousand dollars loss. Someone discloses if I go buy a car, I 569 00:44:55.519 --> 00:45:00.519 mean, you're probably not gonna like this analogy, and they don't close a 570 00:45:00.679 --> 00:45:05.719 cracked windshield. I definitely see the cracked windshield, and I buy the car, 571 00:45:05.960 --> 00:45:08.239 not knowing that. In the state of Colorado, they're not allowed to 572 00:45:08.360 --> 00:45:13.599 sell me that windshield because that's a safety item. They're still going to owe 573 00:45:13.639 --> 00:45:16.400 me a windshield even though I saw it. Okay, first of all, 574 00:45:16.440 --> 00:45:19.880 it has to be in the field division. But let's talk about a cracked 575 00:45:19.920 --> 00:45:23.719 windshield. If they did not disclose a cracked windshield, the question in defense 576 00:45:23.800 --> 00:45:27.800 would be asked, did you know it was cracked? And they might know 577 00:45:28.320 --> 00:45:30.599 hold on mark, and if they say no, I did not know it 578 00:45:30.760 --> 00:45:35.760 was cracked, then you would have a good argument. But if you said 579 00:45:35.840 --> 00:45:38.760 to them, yes, I knew it was cracked, yep, I mean, 580 00:45:38.880 --> 00:45:43.679 I don't know what loss there would be because you're accepting it. Let's 581 00:45:43.760 --> 00:45:46.280 talk to our really be in the state of Colorado, you can't sell a 582 00:45:46.519 --> 00:45:52.800 vehicle that has a safety problem if it had no brakes and they sold it 583 00:45:52.880 --> 00:45:55.360 to me and they warned me, okay, okay, Mark, Okay. 584 00:45:55.719 --> 00:46:00.119 So there was a cracked windshield, the buyer knew it. The buyer said, 585 00:46:00.159 --> 00:46:02.800 I don't care. I'm buying it anyway. Now the law comes in 586 00:46:02.960 --> 00:46:07.519 and says, you know, buyer, you can undo the deal. And 587 00:46:07.679 --> 00:46:08.960 he said, well, wait a minute, I knew it was cracked when 588 00:46:09.000 --> 00:46:12.400 I bought it. I don't want to undo the deal. That's what I'm 589 00:46:12.440 --> 00:46:15.360 getting at. What good will it do her? What good will it do 590 00:46:15.559 --> 00:46:21.039 her if she already knew and accepted it, because you can assume had the 591 00:46:21.239 --> 00:46:24.840 seller told her, it would have been the same result as the inspector telling 592 00:46:24.920 --> 00:46:29.840 her. I'm not saying the seller did not air. The seller did air. 593 00:46:30.000 --> 00:46:35.360 I believe Frank Duran the seller was supposed to disclose it. My only 594 00:46:35.599 --> 00:46:40.480 question is what did the buyer lose as a result of the seller not disclosing 595 00:46:40.519 --> 00:46:45.639 it. Okay, I mean that's really the question, or is it simply 596 00:46:45.719 --> 00:46:50.360 a matter of law? No matter what that that seller, because he didn't 597 00:46:50.400 --> 00:46:52.679 disclose it, now has to pay for it. That's what we need to 598 00:46:52.719 --> 00:46:57.239 ask. Brad O'Brien. So if he can come on and talk about disclosures, 599 00:46:57.280 --> 00:47:00.000 man, it would educate all of us would love to know the answer. 600 00:47:00.119 --> 00:47:05.280 Three oh three seven one three talk seven one three eight two five five 601 00:47:09.519 --> 00:47:14.760 Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't 602 00:47:14.800 --> 00:47:21.760 pay a cent until you're content. Time for an insurance checkup free, no 603 00:47:21.840 --> 00:47:27.760 obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies 604 00:47:27.880 --> 00:47:30.079 find out now three oh three seven seven to one. Help. You'll think 605 00:47:30.119 --> 00:47:34.920 you're his only customer when you choose Frank durand the real estate Man dot com 606 00:47:35.159 --> 00:47:38.800 to list your home with Remax Alliance three oh three nine two zero sixteen twenty 607 00:47:38.880 --> 00:47:47.400 two. Hi Tom Martine, your troubleshooter. We're just talking about a thirty 608 00:47:47.480 --> 00:48:00.199 second spot on the Super Bowl seven million dollars seven million dollars. Wow. 609 00:48:00.159 --> 00:48:05.320 I mean that's for a thirty second and that's just for the airtime, not 610 00:48:05.519 --> 00:48:12.000 to mention the production. And that's one of the few shows, by the 611 00:48:12.000 --> 00:48:15.239 way, where the commercials have become as much a part of it as anything. 612 00:48:15.360 --> 00:48:20.079 So people are waiting to see the commercials. They're literally wanting to see 613 00:48:20.079 --> 00:48:23.119 them. It's not an interruption. Hellas of TV shows, I'm the commercials. 614 00:48:23.880 --> 00:48:29.320 Yeah, it's one of the few shows where the commercials have become so 615 00:48:29.599 --> 00:48:34.400 integrated into the creativity that people love watching them. Hey, you're not a 616 00:48:34.480 --> 00:48:38.000 big sports guy. You watch the Super Bowl time? You know? First 617 00:48:38.000 --> 00:48:40.280 of all, I watch the Super Bowl when there are teams I care about. 618 00:48:40.679 --> 00:48:45.840 I normally don't watch it. And no, I mean, okay, 619 00:48:45.039 --> 00:48:49.320 I do it for the social thing your friends are around. But no I 620 00:48:49.400 --> 00:48:51.960 don't. I mean I don't care one way the other right for this one? 621 00:48:52.199 --> 00:48:54.119 Do you? Oh? I love watching the super Bowl? I know 622 00:48:54.159 --> 00:48:57.480 what do you care about this time? What do you care about? I 623 00:48:57.559 --> 00:49:00.199 don't know who I'm bet nine yet, so the answer would be whoever right 624 00:49:00.280 --> 00:49:01.440 there? And you know you know that a box? You know that a 625 00:49:01.519 --> 00:49:06.079 box cost a million dollars. Yeah, it's crazy, man, I don't 626 00:49:06.119 --> 00:49:09.760 see so I should confess this. I don't watch such things that don't have 627 00:49:10.000 --> 00:49:14.840 inclusivity. Oh my god, Wait a minute, wait, there's no inclusive 628 00:49:14.880 --> 00:49:21.960 You watch the Grammys the other night, talk there's no inclusivity. Oh man, 629 00:49:22.239 --> 00:49:25.599 you want to talk about the most exclusive the most exclusive club in the 630 00:49:25.760 --> 00:49:30.840 world. Yep, Oscars and Grammys people going to the super Bowl. I 631 00:49:30.960 --> 00:49:35.000 think the super Bowl. No, No, I think the super Bowl is 632 00:49:35.000 --> 00:49:38.960 way more exclusive. I'd say the most exclusive membership. So you're talking about 633 00:49:39.079 --> 00:49:43.480 like audience wise, I guess that you're right. The Grammys and the Oscars 634 00:49:43.519 --> 00:49:46.519 are so No. I thought of one that's even more exclusive. None of 635 00:49:46.559 --> 00:49:51.559 his peons can touch it, and that would be the Senate in the House. 636 00:49:52.760 --> 00:49:57.039 They got the insiders deal. Yeah, what about the nfl own is 637 00:49:57.079 --> 00:50:00.480 marked There's only thirty two of them and they are fifty center. Yeah that's 638 00:50:00.599 --> 00:50:06.760 true. But hey, how are we doing you want it anytime? How 639 00:50:06.800 --> 00:50:13.440 are we doing on getting Brad O'Brien on Kelly. He is not answering right 640 00:50:13.480 --> 00:50:16.039 now. I'm working on it, okay. And so, by the way, 641 00:50:16.440 --> 00:50:21.000 you could go on YouTube and see the commercials before the Super Bowl. 642 00:50:21.199 --> 00:50:22.840 Oh I didn't know that. Yeah, they have a site where you can 643 00:50:22.960 --> 00:50:28.480 just see some of them before they air. I always think it's a great 644 00:50:28.559 --> 00:50:30.840 time. Man. Usually if Miles was in town, which he won't be 645 00:50:30.960 --> 00:50:35.400 this year, I mean, we'll always have a party, you know, 646 00:50:35.559 --> 00:50:37.880 do barbecue and just the whole thing. It's always been kind of like a 647 00:50:38.280 --> 00:50:42.360 Fourth of July in our family. No, I know a lot of people 648 00:50:42.440 --> 00:50:45.800 have a lot of fun doing that for sure. So yeah, anyway, 649 00:50:47.199 --> 00:50:51.679 what would I'd like to talk about though? These oral arguments coming up? 650 00:50:52.320 --> 00:50:54.280 Mark? Do you think there will be a decision today? No, I 651 00:50:54.320 --> 00:50:58.559 don't think there'll be a decision today, but it's going to be a broad 652 00:50:58.679 --> 00:51:02.880 decision. The justice is really hammered this guy from Colorado, even though the 653 00:51:04.039 --> 00:51:07.239 kind of the lefties, if you want, I've got a brand new respect 654 00:51:07.320 --> 00:51:10.239 for Jackson. And it's not just because I'm kind of on the side of, 655 00:51:10.639 --> 00:51:13.599 you know, getting them back on the ballot and all of that. 656 00:51:13.760 --> 00:51:19.119 But I mean, honestly, I honestly got to say this. I looked 657 00:51:19.159 --> 00:51:22.400 at her as a pawn of the current administration and I never gave her a 658 00:51:22.599 --> 00:51:29.800 chance. But actually listening to her arguing both ways during this she's a very 659 00:51:30.400 --> 00:51:35.719 very bright young lady, and I'm thinking over time she might actually be more 660 00:51:35.760 --> 00:51:40.920 of a moderate than what the Democrats who basically voted her in are hoping. 661 00:51:42.360 --> 00:51:45.239 You know, I don't know if that's I was very impressive. What I 662 00:51:45.400 --> 00:51:50.159 think I think other than and I don't want to mention it other than one 663 00:51:50.480 --> 00:51:55.119 justice. I truly believe they take their jobs seriously and none of them are 664 00:51:55.199 --> 00:52:00.599 pawns. I really believe they try to apply what they what they see and 665 00:52:00.719 --> 00:52:06.639 hear to the Constitution. Except for one in history I feel who only I 666 00:52:06.760 --> 00:52:13.000 believe she did everything everything personally and politically. Well, it really comes down 667 00:52:13.039 --> 00:52:15.719 to this when I look at that court, it comes down to two different 668 00:52:15.800 --> 00:52:22.320 philosophies. Do you believe that the Constitution was written and that is what it 669 00:52:22.480 --> 00:52:24.480 is. If it's said two plus two is five, well, damn it, 670 00:52:24.559 --> 00:52:30.320 it's five. Or do you believe that it changes over time depending on 671 00:52:30.480 --> 00:52:36.559 the situation. So it's kind of interesting look at interpreting the Constitution in two 672 00:52:36.639 --> 00:52:42.000 different ways. And I'm not saying either is bad. I personally think it 673 00:52:42.079 --> 00:52:45.800 should be looked at exactly how it was written. What do you know, 674 00:52:45.159 --> 00:52:50.800 Mark, What's really funny is truly it can be looked at either way. 675 00:52:51.199 --> 00:52:58.039 Is it individual or I mean, is it literal or is it interpretive over 676 00:52:58.159 --> 00:53:00.880 time? Is it malleable? Is it a living, breathing document. People 677 00:53:01.880 --> 00:53:07.039 also look at the Bible the same way that this is what it says, 678 00:53:07.119 --> 00:53:09.480 no matter what or does it change with times? And I don't mean change 679 00:53:09.599 --> 00:53:14.119 like the Constitution won't change that much, neither with the Bible as far as 680 00:53:14.519 --> 00:53:17.400 really real principles. But what is a real principle? You see, that's 681 00:53:17.480 --> 00:53:23.159 where the interpretation comes in. With the Constitution. It usually always comes down 682 00:53:23.199 --> 00:53:28.760 to what does the federal government have the right to more so than states? 683 00:53:29.000 --> 00:53:31.519 And what do states have the rights to more? And really that's what this 684 00:53:31.679 --> 00:53:36.159 came down to. A lot of people listening probably think this has to do 685 00:53:36.320 --> 00:53:38.920 with Trump. It really has nothing to do with Trump, very much like 686 00:53:39.039 --> 00:53:44.599 how the abortion Rowe versus way had really nothing to do with abortion. I 687 00:53:44.719 --> 00:53:47.079 need to talk to Brad O'Brien. We found Brad O'Brien, a real estate 688 00:53:47.119 --> 00:53:50.079 attorney. Brad, I'm going to lay this out to you, okay, 689 00:53:51.320 --> 00:53:54.000 and we really want you to weigh in on this. In this particular real 690 00:53:54.119 --> 00:54:00.280 estate deal, and her husband bought a house. They did not have a 691 00:54:00.360 --> 00:54:06.239 buyer's broker. They called on the sign. Then they had an inspection done. 692 00:54:07.119 --> 00:54:14.480 Their own inspection showed what was called an impassable blockage in the sewer line. 693 00:54:15.079 --> 00:54:19.639 They thought to themselves, we really want this house. We can probably 694 00:54:19.679 --> 00:54:22.679 get it fixed, it probably won't be that much, and they bought it. 695 00:54:23.519 --> 00:54:28.880 They later found out what they thought was going to be a relatively minor 696 00:54:29.039 --> 00:54:32.679 problem, it's going to cost about nine or ten grand to fix. Well, 697 00:54:34.119 --> 00:54:38.119 rightfully, they're upset. And then they're looking at their real estate documents 698 00:54:39.360 --> 00:54:45.239 and in the disclosure statement that the seller decided to do and signed it, 699 00:54:45.840 --> 00:54:52.159 the only thing on the entire disclosure document is something about new appliances that they're 700 00:54:52.199 --> 00:54:59.000 all new. The other parts of the disclosure were not filled out at all. 701 00:54:59.639 --> 00:55:02.679 There was no yes, there was no no, There was no do 702 00:55:02.880 --> 00:55:10.199 not know. Now what do you think she is saying the law requires? 703 00:55:10.559 --> 00:55:14.760 While she didn't say this, Frank dre in a real estate are real estate 704 00:55:14.840 --> 00:55:20.880 man great man? He says the law requires sellers to disclose any material facts 705 00:55:20.960 --> 00:55:28.119 or defects. And what do you think, Well, it seems to me 706 00:55:28.239 --> 00:55:32.760 that the buyers were unnoticed of this issue before they closed and knowingly accepted their 707 00:55:32.840 --> 00:55:38.039 risk. They knew of the problem, they didn't know the extent of the 708 00:55:38.119 --> 00:55:43.519 problem. Let me example, if somebody if there's a roof leak, and 709 00:55:43.760 --> 00:55:46.880 you don't find the roof leake itself, but you see some water drain dripping 710 00:55:47.079 --> 00:55:52.280 on the ceiling. You're unnotice of the roof leak because of the manifestation of 711 00:55:52.320 --> 00:55:55.199 that water coming down. So they knew there was some issue with sewer. 712 00:55:57.280 --> 00:56:01.039 They should have really investigated further before closing. I think that they probably could 713 00:56:01.079 --> 00:56:07.599 be held accountable. But what about the black and white issue? What about 714 00:56:07.639 --> 00:56:15.159 the wrong or right issue of a seller never disclosing any of the defects. 715 00:56:15.199 --> 00:56:17.480 There could be others in the house. They simply did not fill out the 716 00:56:17.639 --> 00:56:21.840 disclosure form, which, by the way, Brianna knew when she bought the 717 00:56:21.920 --> 00:56:24.480 house. My argument was the same as yours. I'm not trying to convince 718 00:56:24.519 --> 00:56:29.159 anybody. That's why I stayed shut up until you said that. I would 719 00:56:29.199 --> 00:56:32.119 say, even if she wanted to sue for the sewer damage, the defense 720 00:56:32.280 --> 00:56:37.239 to the seller would be, well, you knew it anyway. I mean, 721 00:56:37.559 --> 00:56:42.280 so even though I may have breached my responsibility, I did not actually 722 00:56:42.559 --> 00:56:46.239 cost you that money. I mean, is that what a defense would be? 723 00:56:46.760 --> 00:56:50.000 Well, Tom, you didn't tell me that the seller's actually knew this 724 00:56:50.079 --> 00:56:52.400 problem. A seller is not obliged to the defict that they don't know about. 725 00:56:52.760 --> 00:56:55.599 On the okay, I don't know if the seller knew about it either, 726 00:56:55.679 --> 00:57:00.199 that's the point. I don't know, that's a very good pointint, 727 00:57:00.239 --> 00:57:04.920 Brad. So let's take either one. Let's say the seller did know about 728 00:57:05.000 --> 00:57:09.800 it okay, but did not disclose anything about it. But the spire already 729 00:57:09.920 --> 00:57:14.320 knew about it. But let me throw in one more apart there, So, 730 00:57:14.519 --> 00:57:16.800 Brad, even though they didn't check yes, no, maybe, or 731 00:57:16.840 --> 00:57:22.400 whatever it is, they did sign that normal disclosure form at the bottom saying 732 00:57:22.440 --> 00:57:27.239 they answered honestly. Yeah. The difficulty in these kind of cases where a 733 00:57:27.280 --> 00:57:30.119 seller doesn't disclose there's a claim that a seller doesn't disclose the defect is that 734 00:57:30.280 --> 00:57:34.280 you have to buyer has to cree that the seller had actual knowledge of the 735 00:57:34.360 --> 00:57:36.880 defect. Yeah. But, like Tom was saying, let's say, let's 736 00:57:36.880 --> 00:57:40.159 say, for argument's sake, let's say, for argument's sake that this this 737 00:57:40.360 --> 00:57:44.559 is the tricky part. Let's say, for argument's sake, the seller did 738 00:57:44.760 --> 00:57:50.079 know about it. Okay, What dude, is there now as a result 739 00:57:50.280 --> 00:57:54.880 of that breach of responsibility? Is there a damage even though the buyer knew 740 00:57:54.920 --> 00:57:58.679 about it too? Well, then you have a toss up, and the 741 00:57:58.760 --> 00:58:00.320 only Christian you can decide is right. On. That is a judge because 742 00:58:00.960 --> 00:58:04.519 you have a seller with actual knowledge, right, good buyer, with actual 743 00:58:04.599 --> 00:58:08.639 knowledge of the defects? So who's more liable than the matter? Who wannster? 744 00:58:09.039 --> 00:58:15.840 Just? Somebody will call it? Right? Go ahead? Hello? 745 00:58:15.079 --> 00:58:21.760 For argument's sake, the seller did know about it? Okay? What is 746 00:58:21.920 --> 00:58:27.480 there now as a result of that breach of responsibility? Is there a damage 747 00:58:27.639 --> 00:58:30.519 even though the buyer knew about it too? Well, then you have to 748 00:58:30.599 --> 00:58:32.760 toss up and the only Christian who decide is right now. That is a 749 00:58:32.840 --> 00:58:37.480 judge because you have a seller with actual knowledge, right, good buyer, 750 00:58:37.559 --> 00:58:39.920 with actual knowledge of the defects. So who's more liable than the matter? 751 00:58:42.519 --> 00:58:49.239 Who wannster? To? Somebody will call right? Go ahead? Hello? 752 00:58:51.119 --> 00:58:54.000 All right, somebody wanted to chime in now they don't what yeah, no, 753 00:58:54.079 --> 00:58:58.320 no, no, can you hear me? Are you Briana's husband? 754 00:58:59.719 --> 00:59:04.559 Yes, I'm bry and his husband. Go ahead, sir, So, 755 00:59:05.039 --> 00:59:10.199 uh, we purchased this house. I was aware of of little things that 756 00:59:10.920 --> 00:59:15.840 you know, look look not too correct, right, So like an outlets 757 00:59:15.960 --> 00:59:22.280 may be wired on, or the uh you know, the gutter kind of 758 00:59:22.360 --> 00:59:27.119 leaks a little bit. But I was not you weren't aware that the sewer 759 00:59:27.280 --> 00:59:30.400 wasn't working. You were, You were painfully aware of it. Here, 760 00:59:30.519 --> 00:59:37.800 here's the problem. Here's the problem you And what's that mark? He's literally 761 00:59:39.559 --> 00:59:44.440 that's not working? This guy? Would I buy a house that doesn't have 762 00:59:44.599 --> 00:59:46.159 a sewer that works? Why would I buy it? Well? You did? 763 00:59:46.639 --> 00:59:52.239 What does impassable blockage mean to you? I thought maybe some paper towels. 764 00:59:52.800 --> 00:59:55.440 Okay, So you did not think it was serious? Hold on, 765 00:59:57.159 --> 01:00:00.639 hold on, I want to play court here. You I did not think 766 01:00:00.719 --> 01:00:05.199 it was serious, right? No? I okay? And you had an 767 01:00:05.239 --> 01:00:09.079 actual hold on and you had an actual inspection. So you're expecting a seller 768 01:00:09.320 --> 01:00:15.159 who is an investor who did not have an inspection. You're expecting him to 769 01:00:15.280 --> 01:00:19.559 know you didn't know having an inspection staring you in the face. But you 770 01:00:19.719 --> 01:00:24.199 want the seller to know if you turn on the water at all for even 771 01:00:24.480 --> 01:00:29.679 about a couple of seconds, the downstairs starts overflowing. Okay, did you 772 01:00:29.840 --> 01:00:31.079 well? Hold on, did you do that? Did you do that? 773 01:00:31.920 --> 01:00:35.800 Yeah? When we turned the water on? And why did you buy it? 774 01:00:35.920 --> 01:00:42.639 Then? Well, we when we didn't turn the water on while we 775 01:00:42.679 --> 01:00:45.840 were walking through the house, we're just looking at things your inspector did. 776 01:00:46.519 --> 01:00:52.960 The inspector noted an impassable blockage. I'm sorry, I'm on your side. 777 01:00:52.000 --> 01:00:55.440 Guys. You may not believe that, but I don't think that you guys 778 01:00:57.159 --> 01:01:00.039 can can argue you knew nothing about it. I think that that's an impossible 779 01:01:00.159 --> 01:01:05.880 argument for you. And the other thing is the seller. What we have 780 01:01:06.000 --> 01:01:09.119 to concentrate on now is did the seller know? And then, Brad, 781 01:01:09.199 --> 01:01:14.599 I want to ask you again, if they found that the guy was there 782 01:01:14.800 --> 01:01:17.760 earlier trying to open this sewer, or when he bought it, he had 783 01:01:17.840 --> 01:01:23.679 the same inspection that said it was impassable, would he have an obligation to 784 01:01:23.800 --> 01:01:29.000 tell someone who already knew about it and was going to buy it anyway? 785 01:01:29.360 --> 01:01:34.480 And if he didn't, what did he cost them? Yeah, so I 786 01:01:34.880 --> 01:01:37.599 have a duty to disclose that defect that he actually knew about before closing. 787 01:01:38.280 --> 01:01:43.119 At the same time, the buyer an actual knowledge of this defect. So 788 01:01:43.679 --> 01:01:46.199 here's what I think. I think if you went to court, Brianna and 789 01:01:46.800 --> 01:01:51.199 husband, if you went to court and prove the other guy knew about it, 790 01:01:51.960 --> 01:01:55.840 then I think you could prove the seller did you wrong. But I 791 01:01:57.039 --> 01:02:01.159 don't think you can prove he cost you damnage. That's the whole point I'm 792 01:02:01.199 --> 01:02:06.719 trying to make. There is always a right or wrong, but there's also 793 01:02:06.960 --> 01:02:13.719 damages. And if damages don't results as an consequence of the wrong, then 794 01:02:13.800 --> 01:02:15.840 why go after the wrong? But Brad, what do you think in that 795 01:02:16.000 --> 01:02:20.039 scenario? Well, I said, that's a toss up. It's a mixed 796 01:02:20.119 --> 01:02:23.920 case because both sides have good arguments. Good I can't dam how that would 797 01:02:23.920 --> 01:02:27.360 have come out in court. I wonder if there's a precedent on this, 798 01:02:27.760 --> 01:02:30.679 Brad. I wonder probably probably there's probably case lawn issues like this, But 799 01:02:30.719 --> 01:02:34.760 I just can't tell you. Maybe what you guys ought to do is consult 800 01:02:34.800 --> 01:02:37.480 Brad O'Brien to see if there's case law on this. Well. See, 801 01:02:38.280 --> 01:02:42.719 but here's the problem that we run into a lot. There are new couples. 802 01:02:42.800 --> 01:02:45.840 She said she was twenty three. It's her first house. They just 803 01:02:45.920 --> 01:02:49.800 put the down payment on it. They've got an eight thousand dollars fixed right 804 01:02:49.840 --> 01:02:52.159 now, just to be able to use the toilet or hire an attorney. 805 01:02:52.320 --> 01:02:58.440 I mean, is it worth going to court over eight thousand dollars? It's 806 01:02:58.480 --> 01:03:01.639 actually fifteen thousand dollars now because they have to get an excavator to replace them. 807 01:03:01.679 --> 01:03:04.760 Well, I ask you the same, by the way, By the 808 01:03:04.840 --> 01:03:07.480 way, on a separate note, we are running way behind. But I 809 01:03:07.559 --> 01:03:10.559 got to tell you this, Brianna, what's your I hate saying Branda's husband. 810 01:03:10.599 --> 01:03:15.559 What's your name? Sir? My name is Grant. Grant. Listen 811 01:03:15.079 --> 01:03:21.639 Grant and Brianna, make sure please that you're getting an honest estimate on that 812 01:03:21.800 --> 01:03:25.480 sewer. That's a separate issue, please, because that you could be victimized 813 01:03:25.480 --> 01:03:30.679 by sewer people too. Who did you get your bid from? We got 814 01:03:30.840 --> 01:03:34.719 Priority Plumbing. I don't know who they are, but I would get a 815 01:03:34.880 --> 01:03:43.119 second opinion, Okay, I would absolutely positively get a second opinion. That's 816 01:03:43.199 --> 01:03:45.880 I mean. I'm not telling you they're bad people, so hear me. 817 01:03:46.199 --> 01:03:50.280 I'm telling you I don't know them. Three oh three seven one three A 818 01:03:50.400 --> 01:03:59.840 two five five Go with a sure thing Denver's Best Rufer Excel Roofing Dot. 819 01:04:00.360 --> 01:04:06.119 You don't pay a cent until you're content. Time for an insurance check up 820 01:04:06.239 --> 01:04:12.679 free no obligation comparison call Compass Insurance paying too much your coverage at dozens of 821 01:04:12.760 --> 01:04:15.920 insurance companies find out now three O three seven seven one help. You'll think 822 01:04:15.960 --> 01:04:19.760 you're his only customer when you choose Frank durand the real estate Man dot com 823 01:04:20.000 --> 01:04:25.679 to list your home with Remax Alliance three oh three nine two zero sixteen twenty 824 01:04:25.719 --> 01:04:33.000 two. Hi Tom Martino here, don't forget ourpcenter dot com for tonight we're 825 01:04:33.000 --> 01:04:35.360 gonna be talking to him more. In fact, Diana has a question on 826 01:04:35.440 --> 01:04:42.760 an IRA account. Go ahead, Diana, what's your question on IRA's Well, 827 01:04:42.880 --> 01:04:46.519 I've owned this IRA since two thousand and nine and I've never received any 828 01:04:46.639 --> 01:04:51.480 dividends since I've had it. And what I was told you when you say 829 01:04:51.559 --> 01:04:58.199 dividends not not all iras do your paid dividends? Do you do you mean 830 01:04:58.320 --> 01:05:01.559 returns in general or what? Yeah? Maybe I'm just learning all this. 831 01:05:02.000 --> 01:05:05.599 Yeah, how much? Let's start. Let's start. How long have you 832 01:05:05.679 --> 01:05:12.039 had the IRA? So it's two thousand and nine and then another entity brought 833 01:05:12.079 --> 01:05:16.199 it up it in twenty seven? How much was in it? Well, 834 01:05:16.679 --> 01:05:19.840 you know it wasn't a hit, but it's enough. Give me an idea. 835 01:05:19.920 --> 01:05:25.920 How much is in it? About sixteen? Now? Okay? Now, 836 01:05:27.000 --> 01:05:30.079 when you say, did you ever get a statement on it every month 837 01:05:30.239 --> 01:05:33.360 or every quarter? Yes, yes, yes, and on the statement on 838 01:05:33.559 --> 01:05:40.840 the statement, does it show earnings on that sixteen thousand? Yes? Yes? 839 01:05:41.119 --> 01:05:45.199 So what do you mean when you say you did not receive dividends? 840 01:05:45.280 --> 01:05:47.800 That's the part I don't understand. Well, I haven't received anything out of 841 01:05:47.880 --> 01:05:56.800 it. I mean it's twenty twenty four now. But wait, but the 842 01:05:56.960 --> 01:06:01.679 count is still there, right? And yes, it is there. When 843 01:06:01.760 --> 01:06:11.639 did you stop contributing to it? Actually it's grown and I'm working there it 844 01:06:11.880 --> 01:06:16.559 has but no, no, but when did you stop? Diana? It's 845 01:06:16.599 --> 01:06:20.800 an ira, which means the only money in there came from you. When 846 01:06:20.880 --> 01:06:27.480 did you stop contributing to it? I think it was, you know, 847 01:06:27.679 --> 01:06:31.599 when I first opened it, and it has grown. But here's what I'm 848 01:06:31.639 --> 01:06:35.280 trying to figure out, Diana. Did you put in every year in amount 849 01:06:35.400 --> 01:06:41.400 or did you only fund it once? I think I just funded it once? 850 01:06:41.920 --> 01:06:45.039 Okay? And how much do you remember what your original contribution was? 851 01:06:46.880 --> 01:06:50.960 Oh? God? Well, because Diana, here's why I'm saying this. 852 01:06:51.719 --> 01:06:58.280 It all comes down to money in and money there. If you put in 853 01:06:58.480 --> 01:07:01.960 ten grand and it's now worth sixteen, then you two time value of money 854 01:07:02.079 --> 01:07:10.559 to see what your return has been. Go with a sure thing Denver's best 855 01:07:10.679 --> 01:07:14.679 roofer Excel Roofing dot com. You don't pay a cent until you're content. 856 01:07:15.280 --> 01:07:21.159 Please time for an insurance check up free, no obligation. Comparison call Compass 857 01:07:21.239 --> 01:07:26.880 Insurance Paying too much your coverage at dozens of insurance companies find out now three 858 01:07:26.960 --> 01:07:30.000 oh three, seven to seven to one help. You'll think you're his only 859 01:07:30.159 --> 01:07:32.920 customer when you choose Frank durand the real estate Man dot com to list your 860 01:07:33.000 --> 01:07:40.119 home with Remax Alliance three oh three nine two zero sixteen twenty two. Time 861 01:07:43.800 --> 01:07:50.599 ripped of news? You need advice? Who you don't have? Come? 862 01:07:50.760 --> 01:07:59.239 Run anxious sass as you can shoot? Is gonna help? Come man is 863 01:07:59.320 --> 01:08:02.880 the troubles Shooter show? No Tom Martino, Hey, Hey, Hey, 864 01:08:03.559 --> 01:08:08.159 I'm Tom wanting to solve problems, answer questions, take complaints. We're here 865 01:08:08.239 --> 01:08:11.199 to help you. You can call us anytime. Dare night. Leave a 866 01:08:11.239 --> 01:08:14.519 message. We will get back to you if you need help. Three oh 867 01:08:14.599 --> 01:08:18.199 three Martino three oh three six two seven eight four sixty six. We can 868 01:08:18.279 --> 01:08:21.800 also talk to you here now whenever we're on the air at three o three 869 01:08:21.920 --> 01:08:26.359 seven one three Talks seven one three eight two five five. Diana had a 870 01:08:26.479 --> 01:08:29.399 question about an IRA now the way I understand it, and we'll talk to 871 01:08:29.520 --> 01:08:32.039 Garriott Retirement Planning Center of the Rockies in a minute. Here. So you 872 01:08:32.159 --> 01:08:36.560 had an IRA opened in two thousand and nine, you funded some money and 873 01:08:36.680 --> 01:08:41.880 now it's worth about sixteen thousand. You want to know all about it basically, 874 01:08:42.000 --> 01:08:45.199 But I need to ask a question. So you have a statement in 875 01:08:45.239 --> 01:08:48.079 front of you. You don't remember your original balance compared to what it is 876 01:08:48.159 --> 01:08:55.279 now? Joe, okay, remember okay, but it's been there since O 877 01:08:55.479 --> 01:09:00.720 nine and it now is worth about sixteen grand Is that what you say? 878 01:09:01.439 --> 01:09:05.640 Correct? Yes? Okay? And what is your question? A Gary will 879 01:09:05.640 --> 01:09:10.920 answer here? What are your questions? Well, the thing of it is, 880 01:09:11.279 --> 01:09:15.760 I tried to go to my congress person. I found out it's privately 881 01:09:15.920 --> 01:09:18.399 owned. If you don't have to go to a congress person, what are 882 01:09:18.439 --> 01:09:26.359 you trying to find out? Diana? I'm trying to withdraw from money out 883 01:09:26.399 --> 01:09:30.159 of it. And they how old are you right now? I'm in my 884 01:09:30.359 --> 01:09:32.439 seventies and early seventies. Well, you should be able to take that out 885 01:09:32.479 --> 01:09:35.920 with no penalty whatsoever. You just have to pay tax on it. Are 886 01:09:35.960 --> 01:09:41.000 you saying you can't get the money. It works, that's not the way 887 01:09:41.079 --> 01:09:47.359 it works with them with who before a board. The name of the outfit 888 01:09:47.760 --> 01:09:59.640 is the Terrors under It's up. Wait, hold on a second, hold 889 01:09:59.680 --> 01:10:03.600 on, I need to ask you something. Is it an IRA or is 890 01:10:03.680 --> 01:10:09.479 it an insurance policy? What is it? No, it's an IRA? 891 01:10:10.239 --> 01:10:12.159 Okay? What did you want? Gary? What were you going to say? 892 01:10:12.439 --> 01:10:15.600 Diana? It sounds to me like you have a self directed IRA that's 893 01:10:15.640 --> 01:10:19.600 held privately. Is that what you understand? Yes, that's right. They 894 01:10:19.680 --> 01:10:25.079 invest in condos and apartment I got it. Okay, in order to it's 895 01:10:25.119 --> 01:10:29.239 a self directed IRA. Trustee, go ahead. What you should do is 896 01:10:29.319 --> 01:10:33.279 you should request in writing that you begin withdrawals of spec when will What year 897 01:10:33.319 --> 01:10:43.359 were you born, Diana fifty one? So you're you have to take your 898 01:10:43.520 --> 01:10:48.720 require minimum distributions the year that you turned seventy three. You have to begin 899 01:10:48.840 --> 01:10:53.359 to take money out of that or you're going to be penalized ten percent plus 900 01:10:53.479 --> 01:10:56.920 the normal tax. So they have to put you in a position where they 901 01:10:56.960 --> 01:11:01.119 can liquidate that, where you can take your requirementimum distribut Not a word to 902 01:11:01.199 --> 01:11:06.319 them, what's that? No? Not? According to what my broker said, 903 01:11:06.439 --> 01:11:10.000 Well, your broker doesn't know what he's talking about. What did your 904 01:11:10.079 --> 01:11:14.840 broker tell you? Let's hear the process. Your broker said, he said, 905 01:11:14.880 --> 01:11:21.479 I have to apply for it, and and that either you get it 906 01:11:21.640 --> 01:11:27.319 or you don't. It goes before this board, which I've never heard of. 907 01:11:27.560 --> 01:11:31.199 But and they either okay or they don't. And plus you're getting in 908 01:11:31.359 --> 01:11:34.600 line and there's a lot of people in it. Okay, I think you 909 01:11:34.800 --> 01:11:44.880 bought. I think you bought shares, didn't you? Most likely shares of 910 01:11:45.000 --> 01:11:48.399 a rate Yeah, probably a real estate investment trust. Yeah, yeah, 911 01:11:48.520 --> 01:11:54.760 that's it. Okay, in a rate you own shares. If the shares 912 01:11:54.800 --> 01:12:00.119 are not marketable, you can't cash them in. And that this is the 913 01:12:00.239 --> 01:12:03.640 danger of a rate. Reads can make you tons of money or no money, 914 01:12:04.199 --> 01:12:09.279 or actually it will sit there forever and they'll tell you it's worth something, 915 01:12:09.359 --> 01:12:11.760 but you can't get it. So what good is it? Now? 916 01:12:12.439 --> 01:12:15.000 This is serious stuff. You need to send us a copy of that, 917 01:12:15.600 --> 01:12:23.399 your latest statement for I'll have my experts look at it, because I can't 918 01:12:23.479 --> 01:12:27.239 touch it. Well, I can't touch it. Maybe you can, It 919 01:12:27.399 --> 01:12:31.279 depends. You got to send us. And when you say a broker is 920 01:12:31.359 --> 01:12:40.359 the broke, who is the broker. Who is the broker with the broker? 921 01:12:42.520 --> 01:12:45.479 Now, like, what what firm is the broker with the same as 922 01:12:45.560 --> 01:12:49.600 the real estate investment trust? Or is it independent? It's called light don't 923 01:12:50.159 --> 01:12:56.039 they're out of Lighthouse Point, Florida. You've done in Florida. How did 924 01:12:56.119 --> 01:12:59.760 you? Here's what I need to know. How did you first learn about 925 01:13:00.359 --> 01:13:06.039 this investment? Okay, so I had a broker book somebody who got me 926 01:13:06.159 --> 01:13:13.399 into this got it? Okay, all right, and he's no longer working 927 01:13:13.800 --> 01:13:18.079 doing that work. Yeah, yeah, and I feel like I'm ripped off. 928 01:13:18.680 --> 01:13:21.359 I don't think you're being ripped off. It could be, But a 929 01:13:21.479 --> 01:13:28.800 real estate investment trust is a really really weird instrument. Okay. When you 930 01:13:29.000 --> 01:13:32.239 buy shares in it, you're buying shares. It's just like a private note 931 01:13:32.359 --> 01:13:36.920 fund or any kind of a private fund where you have to buy shares. 932 01:13:38.359 --> 01:13:40.960 They tell you, oh, it's worth this much money. But then when 933 01:13:41.000 --> 01:13:44.159 you got to when you want to get out, you have to be able 934 01:13:44.279 --> 01:13:47.000 to market those shares. And if you can't market those shares, it's worth 935 01:13:47.119 --> 01:13:56.319 nothing. So it's weird. Now go you know what you could do, 936 01:13:56.479 --> 01:14:00.479 Diana is get us a copy of the statement. Let us draft the letter. 937 01:14:00.680 --> 01:14:02.439 Help put together a letter for you that you could send to them that 938 01:14:02.520 --> 01:14:06.800 we'll get some response on least, then you'll know what your options are because 939 01:14:06.920 --> 01:14:13.000 my fear, if you don't take the required minimum distributions as scheduled by the 940 01:14:13.079 --> 01:14:15.640 IRS Code, you're going to be subject to some penalty. So you're going 941 01:14:15.720 --> 01:14:19.399 to have to get some tax advice on how to fix that, because even 942 01:14:19.520 --> 01:14:24.159 if she can't liquidate it, that will still count against her in a qualified 943 01:14:24.239 --> 01:14:28.079 fund. Yes, yes, listen, Diana, you're going to need some 944 01:14:28.159 --> 01:14:30.520 help. So I'm going to put you on hold, and then Kaschina is 945 01:14:30.560 --> 01:14:33.159 going to let you know how to get in touch with us and send us 946 01:14:33.239 --> 01:14:40.359 that statement. Okay? Is that okay? Okay? I guess she's on 947 01:14:40.479 --> 01:14:44.239 hold. Katchina, get her to send us a statement. We really have 948 01:14:44.359 --> 01:14:48.359 to see what's going on with her. Renee, what's going on with you? 949 01:14:48.439 --> 01:14:51.800 Renee? I'm Tom, what's happening? Renee? Hey? Tom? 950 01:14:53.279 --> 01:14:58.159 I have a question. We're selling some property and my brother's doing the sale 951 01:14:58.199 --> 01:15:01.239 and visiting with the real ortor, and I what kind of property? Is 952 01:15:01.319 --> 01:15:06.159 it? Residential? No, it's farm, farm property, okay? And 953 01:15:06.279 --> 01:15:10.560 what do you need to know about it. Well, I just wanted to 954 01:15:10.680 --> 01:15:15.800 keep everything honest. He's been pretty short on information about Now do you have 955 01:15:15.920 --> 01:15:19.079 it list? Wait? Wait? Do you have it listed with someone? 956 01:15:20.119 --> 01:15:25.359 Yes? Yes? And do you is this the person that's been sketchy? 957 01:15:27.680 --> 01:15:30.159 Actually, I haven't talked to the realtor. It's my brother. He's kind 958 01:15:30.159 --> 01:15:33.640 of in charge of it, and he's been kind of short on information. 959 01:15:34.600 --> 01:15:39.720 Okay, So who's short on the information? The broker or your brother? 960 01:15:40.720 --> 01:15:44.159 Uh? My brother is I haven't talked to the broker yet. Okay, 961 01:15:44.279 --> 01:15:46.560 what are you trying to find out? Well? I don't know what I 962 01:15:46.640 --> 01:15:50.680 need to ask to make sure everything is is, you know, honest? 963 01:15:50.800 --> 01:15:56.680 And well do you have a do you have a copy of the listing agreement? 964 01:15:58.079 --> 01:16:00.680 Uh? No, I haven't seen anything. So what are you calling 965 01:16:00.720 --> 01:16:05.560 about? What exactly are you calling about? Then? Did you guys enterret 966 01:16:05.640 --> 01:16:09.600 this and he's selling it? I mean, what's the circumstance? Okay, 967 01:16:09.680 --> 01:16:13.279 I get Yeah? How much property or how much property? Were now are 968 01:16:13.319 --> 01:16:17.680 we talking about? We're talking three hundred acres? And where is it? 969 01:16:18.680 --> 01:16:25.239 It's in Nebraska? And okay, and did you guys have an appraisal done? 970 01:16:26.359 --> 01:16:29.760 Yeah? Yeah, he went through all the steps. But is he 971 01:16:29.920 --> 01:16:34.760 the personal representative of the estate. Actually, we all are involved, but 972 01:16:34.840 --> 01:16:38.640 he was kind of How many that is? Okay, so hold on we 973 01:16:38.880 --> 01:16:41.840 all That tells me there's more than just you and your brother. How many 974 01:16:41.920 --> 01:16:46.199 airs are we talking about? There's six? Okay. So you're selling farm 975 01:16:46.319 --> 01:16:55.000 property that you and five siblings have inherited. Yeah, okay, Well that's 976 01:16:55.000 --> 01:17:00.920 a whole different story. Then why did your brother take charge? Well, 977 01:17:00.079 --> 01:17:04.760 he's he lives close to the farm and he was able to deal. You 978 01:17:04.840 --> 01:17:10.840 have to find the realtor and get everything started and well as as an heir. 979 01:17:11.199 --> 01:17:15.439 Let me, how do the other siblings feel about your brother taking charge? 980 01:17:15.359 --> 01:17:18.359 Oh, we had no problem with it. We have no problem with 981 01:17:18.479 --> 01:17:24.239 it. But you want to make sure that it's being done properly. Yeah, 982 01:17:24.479 --> 01:17:29.039 yeah, I just don't let me ask you another question. What makes 983 01:17:29.079 --> 01:17:33.239 you feel it's not being done properly. Well, like I said, the 984 01:17:33.359 --> 01:17:36.920 closing date I'm not aware of. I don't know when the closing date is. 985 01:17:38.600 --> 01:17:42.439 Do you have an offer? Uh? Yeah, yeah, the guy 986 01:17:42.560 --> 01:17:46.479 supposedly put money down and it's gonna it's gonna be sold the end of the 987 01:17:46.560 --> 01:17:51.640 month. And I just had questions on the actual amount of the sale. 988 01:17:53.600 --> 01:17:57.199 You mean you don't even know how much? You don't know anything. Yeah, 989 01:17:57.560 --> 01:17:59.960 he gave us an amount, but I want to check to make sure 990 01:18:00.039 --> 01:18:01.279 that is. I get it, bro, I get it. How much 991 01:18:01.399 --> 01:18:05.960 did he say? It was? Like one point four somewhere in there? 992 01:18:06.079 --> 01:18:11.000 Million? Okay? Can I ask you straight out question? Do you trust 993 01:18:11.079 --> 01:18:15.199 your brother or not? Uh? You know I did, But some things 994 01:18:15.239 --> 01:18:17.920 have happened that he went back on his word on some deals that we verbally 995 01:18:18.000 --> 01:18:20.840 agreed to, and now it's like, I think I need to follow up 996 01:18:20.880 --> 01:18:27.399 and hold him accountable because we all trusted each other until that happened. Then 997 01:18:27.439 --> 01:18:29.680 I thought, you know what, that's the red flag. I need to 998 01:18:29.720 --> 01:18:35.079 make sure this farm sale is. You know it's inappropriate? All right, 999 01:18:35.439 --> 01:18:39.399 I got some ideas for you. Hang on. I'm Tom Martinez three oh 1000 01:18:39.439 --> 01:18:47.079 three seven one three talks seven one three eight two five five Go with a 1001 01:18:47.199 --> 01:18:51.479 sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent 1002 01:18:51.720 --> 01:18:59.920 until you're content. Time for an insurance check up free no obligation. Compare 1003 01:19:00.159 --> 01:19:04.239 and call Compass Insurance paying too much your coverage at dozens of insurance companies find 1004 01:19:04.279 --> 01:19:08.560 out now three all three seven seven to one help. You'll think you're his 1005 01:19:08.760 --> 01:19:12.680 only customer when you choose Frank durand the real estate man dot com to list 1006 01:19:12.760 --> 01:19:16.159 your home with Remax Alliance three all three nine two zero sixteen twenty two. 1007 01:19:19.680 --> 01:19:24.880 Hello Tom Martino here, what's on your mind today? And how can we 1008 01:19:24.960 --> 01:19:28.079 help you? Three all three seven one three talks seven one three eight two 1009 01:19:28.159 --> 01:19:32.560 five five. So Renee is part of an inheritance and the siblings are selling 1010 01:19:32.800 --> 01:19:39.119 real estate about three hundred anchors more than a million bucks. He wants to 1011 01:19:39.159 --> 01:19:45.319 make sure everything's being done right. Very simple, Renee. If in fact 1012 01:19:45.439 --> 01:19:50.039 you are one of the inheritors or heirs, I should say you have a 1013 01:19:50.159 --> 01:19:55.079 right to see any and all documents. So did you ask for a copy 1014 01:19:55.239 --> 01:19:59.520 of those of the listing agreement? Oh? Excuse me of the of not 1015 01:19:59.640 --> 01:20:03.439 the list sting the sales agreement. Uh no, I'm fixing the meet with 1016 01:20:03.560 --> 01:20:06.479 the real or not? Need to know what the what the Here's what you 1017 01:20:06.560 --> 01:20:10.760 ask It's very simple. Let me just let me just tell you what to 1018 01:20:10.840 --> 01:20:14.560 do. Sure, if you're meeting with the real estate person and you are 1019 01:20:14.680 --> 01:20:17.199 one of the heirs, you simply say, I'm one of the heirs with 1020 01:20:17.439 --> 01:20:25.039 equal rights to everyone. Therefore, I would like for my own records, 1021 01:20:26.359 --> 01:20:31.359 a copy of the listing agreement, a copy of the recent offer and acceptance, 1022 01:20:32.720 --> 01:20:38.680 and every document that has to do with selling it. Then once you 1023 01:20:38.840 --> 01:20:41.720 get that, if you need someone to help you look it over, which 1024 01:20:41.760 --> 01:20:45.760 you should, then we can do that. But you have a right. 1025 01:20:45.159 --> 01:20:50.479 And if that real estate person says I'm sorry, I can't share that with 1026 01:20:50.640 --> 01:20:56.359 you, then they're full of crap. Yeah, okay, if you are 1027 01:20:56.560 --> 01:21:02.279 truly one of the heirs, yes, do the others. Do the other 1028 01:21:02.359 --> 01:21:08.680 heirs want information? Oh? Yes, they're all they're all curious too, 1029 01:21:08.760 --> 01:21:13.319 And I sin keeping this on the down low on purpose. Why is your 1030 01:21:13.359 --> 01:21:15.920 brother? I don't know. I don't know. That's why we're all surprised. 1031 01:21:15.960 --> 01:21:18.960 And we're not like that. We've always been real tight family, looked 1032 01:21:19.000 --> 01:21:24.479 out for each other and honest, and then all of a sudden we're thinking, 1033 01:21:24.600 --> 01:21:26.479 like, you know, we need to follow up and some of this 1034 01:21:26.680 --> 01:21:30.319 dealings that's going on, because none of us have anything in writing, have 1035 01:21:30.479 --> 01:21:34.600 seen no paperwork, and no paperwork has been offered by my brother. So 1036 01:21:34.720 --> 01:21:39.840 I'm thinking I'm going to go visit. What's the realtor? Okay, listen, 1037 01:21:42.159 --> 01:21:45.840 what I what? What's really important? Have you ever asked your brother? 1038 01:21:47.079 --> 01:21:50.680 Uh? No, I don't think I have. I've asked him who 1039 01:21:50.800 --> 01:21:55.479 the owner is, and he was he was kind of like he couldn't remember 1040 01:21:55.560 --> 01:21:58.720 his name. You mean a buyer, the buyer, buyer, Yes, 1041 01:21:59.279 --> 01:22:01.439 the buyer, Yes, on the buyer And he wasn't sure. And I 1042 01:22:01.520 --> 01:22:06.800 thought, wow, so that was a red flag. Now you said your 1043 01:22:06.840 --> 01:22:12.239 brother just out of curiosity, you said, your brother has not come through 1044 01:22:12.279 --> 01:22:17.359 on some things like give me an idea. Oh, well, he he 1045 01:22:17.720 --> 01:22:23.960 bought out some one of my uncles that had interest in the farm bought him 1046 01:22:24.000 --> 01:22:29.960 out, and he was supposed to How do I say this, Tom, 1047 01:22:30.960 --> 01:22:36.319 Well, my uncle had thirty percent he bought about and we all agreed he 1048 01:22:36.439 --> 01:22:41.399 could do that, but when we sold the farm, he would get paid 1049 01:22:41.479 --> 01:22:45.800 back on that loan that he took out for that thirty percent buyout, and 1050 01:22:45.439 --> 01:22:48.720 everybody would be on equal basis. Again, well, he decided instead to 1051 01:22:48.800 --> 01:22:54.560 do that, to keep thirty percent of the farm instead of putting, you 1052 01:22:54.680 --> 01:23:00.319 know, instead of a group staying with that original agreement of getting paid back 1053 01:23:00.359 --> 01:23:04.239 when the farm sold, then everybody would be equal. Again, Well, 1054 01:23:04.359 --> 01:23:09.640 it sounds to me like you might be I don't know, you might be 1055 01:23:09.760 --> 01:23:13.399 overthinking this. I'm not sure your brother's doing anything wrong, but we'll certainly, 1056 01:23:14.319 --> 01:23:17.720 we will certainly look into it once you get that that those documents, 1057 01:23:17.840 --> 01:23:20.520 or if you have trouble getting them, let us know. Three all three 1058 01:23:20.720 --> 01:23:24.399 seven, one, three eight two five five. As you know, we're 1059 01:23:24.399 --> 01:23:30.239 awaiting the Supreme Court ruling, and it probably they're not even done with the 1060 01:23:30.279 --> 01:23:33.439 hearing, and it's going to take a while to come down, but it 1061 01:23:33.560 --> 01:23:38.880 can't take too long. Mark, When you were watching the proceedings, did 1062 01:23:38.920 --> 01:23:44.880 anyone tell you or suggest when it might be disclosed? I don't know, 1063 01:23:45.000 --> 01:23:47.800 but I mean, I mean, they actually have their court clerks and stuff 1064 01:23:47.880 --> 01:23:51.319 or whatever they're called, write up the opinions and then if there is a 1065 01:23:51.439 --> 01:23:56.640 dissenting opinion. I mean, that's not going to be done instantly. I 1066 01:23:56.720 --> 01:24:00.720 would assume fairly quick, though, would you say a day or two this 1067 01:24:00.880 --> 01:24:05.000 week? Well, this week is tomorrow, guess. I guess I would 1068 01:24:05.039 --> 01:24:08.239 say by the end of next week. But I don't know. I have 1069 01:24:08.359 --> 01:24:12.640 no idea how quick that stuff can be. Yeah, I know, but 1070 01:24:12.840 --> 01:24:17.079 when I cannot imagine though under any place, and I'm open to take any 1071 01:24:17.159 --> 01:24:20.319 wagers out there, by the way, that Trump will not be on the 1072 01:24:20.359 --> 01:24:28.039 ballot in Colorado. You think they're gonna rule it's a federal issue. Yeah, 1073 01:24:28.159 --> 01:24:31.479 I'm gonna they're gonna in my opinion, they're gonna rule that basically, 1074 01:24:31.640 --> 01:24:38.720 Colorado a state, does not have the power to remove Trump from the ballot. 1075 01:24:40.039 --> 01:24:47.520 By the way, other major news in the courts is District or Circuit 1076 01:24:48.159 --> 01:24:51.399 the ninth, the ninth Circuit first the eleventh Circuit, then it was taken 1077 01:24:51.439 --> 01:24:56.039 to the ninth Circuit. But it has to do with stem cell therapy. 1078 01:24:56.159 --> 01:24:59.960 It's major news. And what I'd like to do is try during the breakf 1079 01:25:00.079 --> 01:25:03.000 try to get my expert on and we'll talk about it as well as your 1080 01:25:03.119 --> 01:25:08.439 problems, questions and complaints. And then we have retirement Planning Center of the 1081 01:25:08.560 --> 01:25:12.399 Rockies with us as well, and I'd love for you to come to this 1082 01:25:12.560 --> 01:25:15.760 summit tonight. We're going to be talking about retirement and the elements for retirement. 1083 01:25:16.239 --> 01:25:21.079 It's really good for any age and it's going to be at six o'clock. 1084 01:25:21.199 --> 01:25:25.119 You can just get a free seat and it's not going to be long. 1085 01:25:25.159 --> 01:25:27.199 By the way, the whole thing will be less than an hour probably, 1086 01:25:28.399 --> 01:25:32.239 So come on over and go to ourpcenter dot com to find out more 1087 01:25:33.119 --> 01:25:45.800 to ourpcenter dot com go with a sure thing Denver's Best roofer Excel Roofing dot 1088 01:25:45.880 --> 01:25:51.560 com. You don't pay a cent until you're content. Time for an insurance 1089 01:25:51.680 --> 01:25:58.119 check up free no obligation comparison call Compass Insurance paying too much your coverage at 1090 01:25:58.159 --> 01:26:00.800 dozens of insurance companies find out now three all three seven seven to one. 1091 01:26:00.960 --> 01:26:04.640 Help. You'll think you're his only customer when you choose Frank durand the real 1092 01:26:04.720 --> 01:26:10.279 estate Man dot com to list your home with Remax Alliance three all three nine 1093 01:26:10.319 --> 01:26:16.119 two zero sixteen twenty two. Hi Tom Martino on your troubleshooter three all three 1094 01:26:16.279 --> 01:26:23.079 seven one three talk seven one three eight two five five Bill, you have 1095 01:26:23.159 --> 01:26:26.479 a comment on real estate on that issue? Possibly? Go ahead? Bill, 1096 01:26:27.119 --> 01:26:29.760 Okay, let me. I'm gonna do a little preaching here for a 1097 01:26:29.840 --> 01:26:38.520 second, because I've been involved in family things scattered. I remember I called 1098 01:26:38.520 --> 01:26:42.720 you up a while ago on some property with some brothers and sisters. Money's 1099 01:26:42.800 --> 01:26:46.600 the root of all evil, You know it? When it comes down the 1100 01:26:47.279 --> 01:26:50.920 estates and stuff like that. If someone got the upper hand and got the 1101 01:26:51.039 --> 01:26:55.159 hands on it, a lot of times they'll stick in it and they ain't 1102 01:26:55.159 --> 01:26:59.680 can give it to the other day. Well, you know what I mean, 1103 01:27:00.079 --> 01:27:02.319 he's hoping made myself clear, just that money people do get crazy with 1104 01:27:02.479 --> 01:27:08.079 money. You're right, Yeah, Well everybody wants you know, just yeah, 1105 01:27:08.239 --> 01:27:11.760 god, white people like that. I mean, I've had it with 1106 01:27:11.880 --> 01:27:15.600 me. I was an executive in one of my uncles and then my I 1107 01:27:15.680 --> 01:27:18.479 want another person in the family, Well, I'll get a lawyer because that 1108 01:27:18.720 --> 01:27:21.680 the one of the kids weren't in the world. You know, so many 1109 01:27:21.880 --> 01:27:25.840 estates, by the way, Bill, while we're on the topic, so 1110 01:27:26.000 --> 01:27:33.079 many estates waste hundreds of thousands of dollars hiring a public administrator because they can't 1111 01:27:33.119 --> 01:27:38.079 get along. And it's the worst thing a family can do is get a 1112 01:27:38.119 --> 01:27:43.439 public administrator. You're my wife's family. The little issue came up, and 1113 01:27:43.520 --> 01:27:45.920 it's not little. It's a million dollars worth. And I'm talking to each 1114 01:27:45.960 --> 01:27:50.840 other now, Well, anyway, I got you wanted to preach. Did 1115 01:27:50.880 --> 01:27:55.319 you also have a tip for that? Well, yeah, well we could 1116 01:27:55.359 --> 01:27:58.119 get a lawyer. Yeah, for sure, Bill, He well, he 1117 01:27:58.159 --> 01:28:01.359 should at least check out the transaction, right, Thank you, Bill, 1118 01:28:01.399 --> 01:28:05.760 appreciate it to make sure it's being done properly, even if your brother handling 1119 01:28:05.800 --> 01:28:11.960 it. You know, look at it happens all the time. People want 1120 01:28:12.079 --> 01:28:16.479 to they want to pillage the estate. They look for what's in it for 1121 01:28:16.640 --> 01:28:24.800 me. I want to talk to doctor Joel Tridakki's with Denver Regen dot com. 1122 01:28:24.920 --> 01:28:28.600 Joel, thank you, hey man, I want to talk to you. 1123 01:28:29.359 --> 01:28:34.760 I read this morning the Ninth Circuit made a ruling and I believe that 1124 01:28:35.800 --> 01:28:41.800 it's very significant for stem cells. Basically, to sum this up, the 1125 01:28:42.079 --> 01:28:49.600 FDA sued a clinic for using stem cells and manipulating them and then reinjecting them, 1126 01:28:50.039 --> 01:28:56.039 and they said by manipulating them, they really should be regulated as a 1127 01:28:56.159 --> 01:29:00.560 drug. It's not a surgical procedure, but a drug. The clinic argued, 1128 01:29:01.079 --> 01:29:04.800 it's not a drug. We're not taking donors, we're taking it from 1129 01:29:04.880 --> 01:29:11.520 the person reinjecting it. It's a procedure. You don't control our procedures. 1130 01:29:11.560 --> 01:29:15.920 Now, I want to mention this. Years ago clinics got in trouble for 1131 01:29:15.039 --> 01:29:20.359 doing this, for manipulating stem cells and reinjecting them, which by the way, 1132 01:29:21.199 --> 01:29:26.760 is more effective than regular stem cell treat It's the best stem cell treatment 1133 01:29:26.840 --> 01:29:30.319 you can get. And in fact, some doctors used to get in trouble 1134 01:29:30.359 --> 01:29:32.880 for it. They stop doing it. And in order for Americans to get 1135 01:29:32.920 --> 01:29:36.800 that kind of treatment in the past, they've or up till now they've had 1136 01:29:36.840 --> 01:29:42.159 to go to another country where they manipulate these stem cells, because the FDA 1137 01:29:42.319 --> 01:29:47.359 has always held that if you manipulate stem cells, they become drugs and they're 1138 01:29:47.439 --> 01:29:51.119 regulated, and you can't do it without all the clinical trials and all of 1139 01:29:51.199 --> 01:29:56.960 that. So all of you guys, including Denver Regen dot com would do 1140 01:29:57.119 --> 01:29:59.880 regular stem cells. You would take them out, put them back in. 1141 01:30:00.199 --> 01:30:02.560 And by the way, even the regular stem cell therapy I had, it 1142 01:30:02.800 --> 01:30:06.520 was the most remarkable treatment I've ever had. If I had to bring up 1143 01:30:06.560 --> 01:30:10.680 a negative about it, it was that it happened three to four months later 1144 01:30:11.079 --> 01:30:14.119 and I forgot to well, I mean I didn't forget, I said, 1145 01:30:14.159 --> 01:30:16.479 Joel, Wait a minute, I think this is stem cells working, you 1146 01:30:16.560 --> 01:30:20.079 said, because people expect to feel something in two or three or four weeks. 1147 01:30:20.520 --> 01:30:23.680 It took me a few months and all of a sudden, I'm thinking, 1148 01:30:23.840 --> 01:30:28.560 wow, I've never been stronger there and no pain. So anyway, 1149 01:30:28.720 --> 01:30:31.520 what is your take on this ruling? Is it going to improve what you 1150 01:30:31.640 --> 01:30:36.039 guys can do. I'll explain everything to you. I'll try to make it 1151 01:30:36.079 --> 01:30:41.359 as concise as possible. So just about check a little bit. The Ninth 1152 01:30:41.399 --> 01:30:45.199 Circuit Court has not actually ruled on it yet. It was a lower judge's 1153 01:30:45.239 --> 01:30:51.520 decision in California to allow for the fat extracted stem cells. We have bone 1154 01:30:51.560 --> 01:30:57.800 extracting, me fat extracted. They're just addressing the fat extracted that FATA extracted 1155 01:30:57.840 --> 01:31:01.840 stem cells were not a drug because they were minimally manipulated. Interestingly, also, 1156 01:31:01.960 --> 01:31:06.640 that lower court judge said that you can still expand those and grow more 1157 01:31:06.720 --> 01:31:12.600 cells out of them, and that that still does not fall under FDA purview, 1158 01:31:12.680 --> 01:31:15.760 which is new, which is something that they never allowed before. So 1159 01:31:15.039 --> 01:31:18.880 anyway, the FDA is appealing that decision to the Ninth Circuit Court, who 1160 01:31:19.079 --> 01:31:24.520 heard arguments and will be making a ruling. So, oh, yeah, 1161 01:31:24.560 --> 01:31:28.159 you're right, you're right, I'm reading this now. So the eleven so 1162 01:31:28.399 --> 01:31:31.680 it was ruled in favor of stem cell therapy of the clinics, and then 1163 01:31:31.760 --> 01:31:36.439 the US Food and Drug Administration. I believe they went to the Ninth Circuit 1164 01:31:36.600 --> 01:31:44.159 to appeal it. Okay, so we're waiting for a ruling there, and 1165 01:31:44.319 --> 01:31:48.359 so you know, it's the Ninth Circuit court has usually been pretty favorable to 1166 01:31:49.640 --> 01:31:54.399 some medical procedures for people. I mean, you know, if you're called, 1167 01:31:54.479 --> 01:31:57.239 this is the same area of the country that first legalized the use of 1168 01:31:57.359 --> 01:32:00.560 medical marijuana to treat ailments without you know, tons of research and whatnot. 1169 01:32:01.039 --> 01:32:04.159 Uh, And you know, I believe that the arguments are valid. Uh. 1170 01:32:04.399 --> 01:32:09.079 The other thing that is there, there's precedent with the bone marrow extracted 1171 01:32:09.199 --> 01:32:13.239 themselves. The same fight occurred a little more than a decade ago, and 1172 01:32:13.560 --> 01:32:16.479 that's when it was determined that you could minimally manipulate that, meaning you extract 1173 01:32:16.560 --> 01:32:20.319 them from the body, clean them isolated, and then inject them right back 1174 01:32:20.399 --> 01:32:25.039 in. The courts were clear that they consider that not to be a new 1175 01:32:25.159 --> 01:32:28.680 drug and they don't regulate that under the FDA. That they don't they don't 1176 01:32:28.720 --> 01:32:32.079 require the pharmaceutical companies to be involved in that transaction or that service, if 1177 01:32:32.119 --> 01:32:38.760 you will. So, uh, but didn't the Eleventh Circuit actually Mark Mark 1178 01:32:38.800 --> 01:32:42.359 hold On Mark has a question, go ahead, Mark didn't didn't the Eleventh 1179 01:32:42.479 --> 01:32:46.319 Circuit actually say, though sided with the FDA. So even even if the 1180 01:32:46.479 --> 01:32:50.119 Ninth Circuit comes back, I mean, then you're going to have two rulings 1181 01:32:50.159 --> 01:32:57.319 that are completely opposite meeting. The Supreme Court's going to end up deciding Wait 1182 01:32:57.359 --> 01:33:00.760 a minute, correct, Okay, the Eleventh Circuit. I believe that. 1183 01:33:01.399 --> 01:33:06.600 Okay, I believe the Eleventh Circuit they appealed that one, didn't they Yeah, 1184 01:33:06.680 --> 01:33:11.439 they won the injunction. The FDA won the injunction, and then that 1185 01:33:11.640 --> 01:33:15.079 was appealed. Well, no, I believe they won the injunction. It's 1186 01:33:15.199 --> 01:33:18.279 it's I don't know if it's been appealed, but who would it be appealed 1187 01:33:18.279 --> 01:33:23.680 to? That's what. So what happened? Did this clinic go from the 1188 01:33:23.760 --> 01:33:27.079 Eleventh to the ninth? No, No, No, they're equal. No, 1189 01:33:27.199 --> 01:33:30.199 it's a completely separate case. Okay, got it. Okay, So 1190 01:33:30.399 --> 01:33:35.439 this is the Eleventh's rule that it is actually in manipulation. I believe, 1191 01:33:35.880 --> 01:33:40.079 I mean, I'm speculating, but because we're all still allowed to do it, 1192 01:33:40.199 --> 01:33:45.479 I believe that that that's that that's been stayed and now we're awaiting that 1193 01:33:45.680 --> 01:33:49.479 Ninth Circuit Court decision. And that's as much as I know right now, 1194 01:33:49.760 --> 01:33:54.319 you know, and as far as how it affects what types of service were 1195 01:33:54.359 --> 01:33:57.720 able to perform. I'm reading that. I'm reading the Eleventh Circuit, by 1196 01:33:57.760 --> 01:34:00.399 the way. Yeah, and right here it says, well, okay, 1197 01:34:00.600 --> 01:34:03.800 I thought it said that. They they agree it is not a drug. 1198 01:34:04.319 --> 01:34:08.720 I mean, maybe i'm reading it right. They said it was Okay, 1199 01:34:09.000 --> 01:34:14.039 okay, maybe I'm reading the attorney's argument. Sorry about that. In any 1200 01:34:14.119 --> 01:34:18.239 case, this ruling, this rule, I mean, this lower court judge 1201 01:34:18.319 --> 01:34:24.960 that said it was not a drug. If that is upheld, what takes 1202 01:34:25.039 --> 01:34:30.479 president the eleventh or the ninth? I don't know. That's a good question. 1203 01:34:30.840 --> 01:34:32.880 No, But then the Supreme Court starts looking at it. Guys, 1204 01:34:34.239 --> 01:34:36.560 I think it would have to go to the Supreme Court, wouldn't it. 1205 01:34:38.279 --> 01:34:42.479 That's correct, that's correct. So the question before the court, now, 1206 01:34:43.439 --> 01:34:46.520 when you manipulate these cells, does it become a controlled substance? Basically? 1207 01:34:46.840 --> 01:34:53.760 Does it? More importantly, does the jurisdiction enough manufacturing of it for to 1208 01:34:53.840 --> 01:34:58.319 be considered a you know, a synthetic drug basically? Right? Right? 1209 01:34:59.079 --> 01:35:01.079 You know, though, I wouldn't it be considered and I don't want to 1210 01:35:01.119 --> 01:35:08.079 get too complicated, but you are allowed to compound drugs as a doctor, 1211 01:35:08.319 --> 01:35:12.880 you're allowed to do that. You can compound any combination you want for your 1212 01:35:13.000 --> 01:35:17.720 patient, and it does not have to go through FDA approval. So doctors 1213 01:35:17.840 --> 01:35:24.319 compound all the time. So if that's the case, why wouldn't stem cells 1214 01:35:24.439 --> 01:35:28.119 be considered a compounded substance? I mean, I don't know, I'm just 1215 01:35:28.239 --> 01:35:31.920 asking them, but you know what I would speculate, Tom, is that 1216 01:35:32.399 --> 01:35:38.239 you're still using the drugs that they're using to create the compounded drugs, or 1217 01:35:38.279 --> 01:35:41.800 still drugs that are FDA approved. Okay, still talking about drugs. And 1218 01:35:41.880 --> 01:35:45.319 I think the primary crutch of the argument is is that are stem cells when 1219 01:35:45.319 --> 01:35:48.760 you extract them from somebody's body a drug or not? Hey, can I 1220 01:35:48.840 --> 01:35:53.560 ask a question? Go ahead, dog? What about blood? If you 1221 01:35:53.840 --> 01:35:57.359 if you take blood out of somebody and give it to them later in surgery, 1222 01:35:57.640 --> 01:36:01.520 isn't that the same thing? It's almost That's one of the arguments. 1223 01:36:01.760 --> 01:36:05.239 And here's the other thing, Doc, I'll go one step further. Why 1224 01:36:05.399 --> 01:36:12.199 aren't they upset about PRP. You're definitely manipulating blood, that's my point, 1225 01:36:12.920 --> 01:36:19.960 not not regular blood. But PRP platelet rich therapy that is absolutely manipulating, 1226 01:36:20.079 --> 01:36:24.279 isn't it right? But one of things you're taking blad out different, I'll 1227 01:36:24.319 --> 01:36:27.199 put it that way. Yeah, it's so different than themselves. It's the 1228 01:36:27.239 --> 01:36:34.960 same process. Okay. So this is something my favorite, Tom, really 1229 01:36:35.159 --> 01:36:42.359 is that you know, the the efficacy of stem cell therapy and the proliferation 1230 01:36:42.520 --> 01:36:45.600 of it, and the fact that it's been proven now by many clanks over 1231 01:36:45.640 --> 01:36:49.520 the course of over a decade to be extremely effective. That it is cutting 1232 01:36:49.600 --> 01:36:56.520 into the market for joint replacements, medical device manufacturers and people who have large 1233 01:36:56.560 --> 01:36:59.840 financial, big farm and interest in it. So of course they're going to 1234 01:37:00.039 --> 01:37:03.239 fight it because if they can eliminate them cell procedures, then that just kind 1235 01:37:03.279 --> 01:37:06.880 of brings the market back to them where they can control they control the money. 1236 01:37:06.920 --> 01:37:11.000 And that may sound conspiratorial, but I feel like I've lived on this 1237 01:37:11.520 --> 01:37:14.239 in this country long enough to understand how things work in that way. So 1238 01:37:14.359 --> 01:37:17.239 that's my gud feeling about it. I think I think there's validity to that. 1239 01:37:17.439 --> 01:37:23.239 But I think there's also validity that years ago, when the FDA started 1240 01:37:23.279 --> 01:37:28.239 looking at there was a bunch of shysters out there selling stem cells to anybody 1241 01:37:28.319 --> 01:37:30.880 that add five thousand dollars EI, they're all dead and did nothing. I 1242 01:37:31.359 --> 01:37:34.000 gotta take a break. But there is one thing I want to say that 1243 01:37:34.239 --> 01:37:42.600 is very critical here compounded drugs. It's recommended by the FDA that they use 1244 01:37:42.640 --> 01:37:49.159 approved ingredients. However they're compounded. Drugs may include ingredients that are not FDA 1245 01:37:49.319 --> 01:37:56.159 approved if the physician agrees that they will benefit the patient at hand, but 1246 01:37:56.359 --> 01:38:01.840 they must be regarded as gross really recognized as safe. Now. I don't 1247 01:38:01.840 --> 01:38:05.920 think they can put Stryck nine in it or something like that, but it 1248 01:38:06.039 --> 01:38:11.239 does not have to be an FDA approved drug for that purpose, as long 1249 01:38:11.279 --> 01:38:20.119 as it's generally generally approved as safe. We have more coming up. Go 1250 01:38:20.279 --> 01:38:25.479 with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay 1251 01:38:25.520 --> 01:38:31.880 a cent until you're content. Time for an insurance checkup free, no obligation. 1252 01:38:31.960 --> 01:38:36.359 In comparison, call compass insurance paying too much your coverage at dozens of 1253 01:38:36.439 --> 01:38:41.000 insurance companies find out now three oh three, seven to seven to one help. 1254 01:38:41.159 --> 01:38:44.720 You'll think you're his only customer when you choose Frank durand the Real Estate 1255 01:38:44.800 --> 01:38:48.239 Man dot com to list your home with Remax Alliance three oh three nine two 1256 01:38:48.319 --> 01:39:00.520 zero sixteen twenty two. Hi Tom Martine here three oh three seven three talk 1257 01:39:00.640 --> 01:39:02.479 Lindsay, what's going on with you? Lindsay, Welcome to the show. 1258 01:39:02.520 --> 01:39:06.359 I'm Tom Martinez. What's going on? Hey, Tom? Thanks so much 1259 01:39:06.399 --> 01:39:12.640 for having me. So basically, I took my truck into a body shop 1260 01:39:13.399 --> 01:39:17.640 for repairs and they've had it for ninety days. More than ninety days. 1261 01:39:18.520 --> 01:39:23.880 Yeah, they have refused from the time that I dropped my vehicle off to 1262 01:39:24.319 --> 01:39:28.680 give me an estimated date of completion. Why did you drop it off if 1263 01:39:28.720 --> 01:39:33.520 they wouldn't give you an estimated time? Well, unfortunately, I wasn't aware 1264 01:39:33.680 --> 01:39:40.079 that they were required by law to do so. I don't think they are 1265 01:39:40.199 --> 01:39:44.680 required by law. I don't know of any law. Now I might be 1266 01:39:44.760 --> 01:39:47.439 wrong here, but I don't know of any law that they have to tell 1267 01:39:47.479 --> 01:39:51.319 you when it's going to be done. So I've been doing quite a bit 1268 01:39:51.359 --> 01:39:57.399 of research on the Motor Vehicle Repair Act, and it does say that they 1269 01:39:57.439 --> 01:40:01.399 are required to give me estimated completion. I just was not aware of that 1270 01:40:01.479 --> 01:40:04.920 when I dropped it off. And maybe I'm interpreting it, Okay, maybe 1271 01:40:05.079 --> 01:40:09.159 maybe I'm wrong. I know about the Auto Repair Act. But let's neither 1272 01:40:09.239 --> 01:40:13.159 here nor there. Let's talk about this first and foremost. Was this a 1273 01:40:13.279 --> 01:40:16.720 repair you were having done on your own dime, on your insurance or somebody 1274 01:40:16.760 --> 01:40:21.560 else's insurance? It's through my insurance. And what was it a collision or 1275 01:40:21.600 --> 01:40:29.079 what it was? A collision? Yes? Okay? And what were the 1276 01:40:29.199 --> 01:40:32.359 circumstances in an accident with another car? I'm just I just want to find 1277 01:40:32.359 --> 01:40:36.479 out all the circumstances. Yes, I was in I was in an act 1278 01:40:36.840 --> 01:40:40.720 accident with that got it all right? That's enough, That's okay. I 1279 01:40:40.880 --> 01:40:45.960 just wanted to know. So go with a sure thing Denver's Best roofer Excel 1280 01:40:45.079 --> 01:40:51.800 Roofing dot com. You don't pay a cent until you're content. Time for 1281 01:40:51.880 --> 01:40:57.199 an insurance check up free, no obligation. In comparison, call Compass insurance 1282 01:40:57.399 --> 01:41:00.880 paying too much? Your coverage had dozens of insurance. But he's find out 1283 01:41:00.960 --> 01:41:03.439 now three all three seven seven to one help. You'll think you're his only 1284 01:41:03.600 --> 01:41:08.359 customer when you choose Frank durand the real estate Man dot com to list your 1285 01:41:08.439 --> 01:41:13.880 home with Remax Alliance three all three nine two zero sixteen twenty two Yeah, 1286 01:41:17.319 --> 01:41:28.279 ripped of news, you don't have the come running as fast as a cam 1287 01:41:29.560 --> 01:41:36.199 shooter's gonna help come. Dix is the Troubleshooter Show. No, Tom Martino. 1288 01:41:38.600 --> 01:41:41.199 Hi, I'm Tom Martino. Welcome to the show. We are here 1289 01:41:41.279 --> 01:41:45.239 to help you solve problems, answer questions, take complaints and with me. 1290 01:41:45.439 --> 01:41:49.000 Today we have a retirement planning center of the Rockies. I have Gary Hanson 1291 01:41:49.039 --> 01:41:55.640 with us and we're having a retirement summit tonight. We call it Freedom Summit 1292 01:41:55.760 --> 01:41:59.000 for Retirement and that is going to be at the Delta Event Center, which 1293 01:41:59.039 --> 01:42:02.800 is in Thornton. It's the Marriott Hotel and it starts at six. We're 1294 01:42:02.840 --> 01:42:08.359 not going to take a long time to preach to you or try to sell 1295 01:42:08.399 --> 01:42:13.319 you anything. I promise you that we will absolutely transparent about everything, including 1296 01:42:13.399 --> 01:42:15.920 what I'm doing. I'll be there and we want you to mostly ask questions. 1297 01:42:16.680 --> 01:42:19.840 Gary Hansen's with us, and Gary, one of the things I think 1298 01:42:19.920 --> 01:42:27.199 people are tired of, and I swear to God it's just so rampant is 1299 01:42:27.359 --> 01:42:32.119 being hustled. No, I'm sir, everybody's got something and everything they have 1300 01:42:32.319 --> 01:42:35.920 is the best. Well, we take a whole different approach. Tom I've 1301 01:42:35.960 --> 01:42:41.000 done this for forty nine years. That's scary, but I bend down both 1302 01:42:41.079 --> 01:42:45.359 roads, and believe me, we find that our clients are happier and so 1303 01:42:45.520 --> 01:42:49.720 are we when we can just deal with the comprehensive approach and gosh, just 1304 01:42:49.840 --> 01:42:53.800 come meet us, let's talk, let's see if there's a common ground to 1305 01:42:53.920 --> 01:42:57.600 visit about. Let's not waste your time, and we certainly won't waste our 1306 01:42:57.680 --> 01:43:00.680 time. If nothing else, you'll learn about the important and elements of a 1307 01:43:00.760 --> 01:43:03.319 retirement plan. Absolutely absolutely, and if you want a review, you can 1308 01:43:03.359 --> 01:43:06.560 have a free review of all of that. And the important thing is this, 1309 01:43:08.439 --> 01:43:14.119 There truly is no one thing. There truly isn't no. For first 1310 01:43:14.119 --> 01:43:17.279 of all, I personally do not believe the stock market is one hundred percent 1311 01:43:17.399 --> 01:43:21.840 bad or one hundred percent good. I don't think annuities are one hundred percent 1312 01:43:21.920 --> 01:43:27.560 good or one hundred percent bad. I mean it just truly is. And 1313 01:43:28.479 --> 01:43:30.840 reverse loans are not one hundred percent bad one hundrecent good. It depends on 1314 01:43:30.920 --> 01:43:38.560 the situation. Everything in life, everything with finances depends on circumstances, the 1315 01:43:38.680 --> 01:43:42.039 amounts you put in it, the amounts you allocate, and how you manage 1316 01:43:42.039 --> 01:43:45.319 it. Well, and we have to do a fiduciary driven discovery meeting tom 1317 01:43:45.359 --> 01:43:49.079 before we can even recommend. So we're gonna dig really deep with clients to 1318 01:43:49.119 --> 01:43:54.880 make sure we understand the full picture. And ultimately most of our clients will 1319 01:43:54.880 --> 01:43:58.800 have money spread very well into several different sectors of the economy. Right. 1320 01:43:59.119 --> 01:44:00.960 That's good. And by the way, if you want to seat tonight, 1321 01:44:01.079 --> 01:44:04.880 it's free, there's no cost, there's nothing. Just ourpcenter dot com has 1322 01:44:04.920 --> 01:44:09.640 the invitation up there. Ourpcenter dot com. It's front and center. Just 1323 01:44:09.720 --> 01:44:13.199 to call them at dusk or you can call nine seven zero sixty six three 1324 01:44:13.279 --> 01:44:17.840 thirty two eleven. We left off with Lindsay and Lindsay she has an issue 1325 01:44:17.920 --> 01:44:23.119 with an Ideal car Star autobody. I think, where is this located, 1326 01:44:23.520 --> 01:44:30.439 Lindsay, It's in Arvada. Yeah, Now here's the thing. I don't 1327 01:44:30.479 --> 01:44:35.560 think it's unique to Ideal. I don't think it's unique to Carstar. I 1328 01:44:35.800 --> 01:44:41.119 think it's just a problem in the industry and I don't know why, but 1329 01:44:41.279 --> 01:44:47.439 we're having a big problem all over because people. I mean, my car 1330 01:44:47.960 --> 01:44:55.000 had a simple little thing and I went and had it the parts ordered. 1331 01:44:55.239 --> 01:44:59.399 First, I went in there so they could order parts. Then because it 1332 01:44:59.479 --> 01:45:01.800 was driveable, I took it away and then they were to tell me when 1333 01:45:01.880 --> 01:45:06.000 to come back, and we made a date when they thought the parts would 1334 01:45:06.039 --> 01:45:11.600 be there, and then it still took I think over two weeks. That's 1335 01:45:11.680 --> 01:45:16.399 when they had the parts. So yours though you're saying ninety days, they've 1336 01:45:16.439 --> 01:45:24.039 had it more than ninety I dropped them excessive. Okay, so let's just 1337 01:45:24.159 --> 01:45:29.399 start with why do they say they've had it so long? Well, and 1338 01:45:29.680 --> 01:45:33.840 that's the thing. I have called several times asked them to speak to management, 1339 01:45:33.920 --> 01:45:39.640 and they refuse. They dance around my questions when I call them and 1340 01:45:39.680 --> 01:45:44.960 asked them what's going on. So there's a huge lack of transparency. What's 1341 01:45:45.159 --> 01:45:50.840 their organization between their customers? And my biggest issue is for the first month 1342 01:45:51.239 --> 01:45:54.800 it was sitting there when they told me it was being worked on, and 1343 01:45:54.880 --> 01:45:59.119 it was not. See that's the part that pisses me off is when they 1344 01:45:59.319 --> 01:46:01.880 order parts, they do things that they could do when you're not there. 1345 01:46:02.800 --> 01:46:06.079 You know, I excuse me when your truck's not sitting there. That's the 1346 01:46:06.199 --> 01:46:11.119 part that is really stupid. I mean, so right now, where does 1347 01:46:11.159 --> 01:46:14.079 this happen? But if they don't have parts, what else would they do 1348 01:46:14.159 --> 01:46:15.640 with it? Honestly, if all the parts aren't there, they're going to 1349 01:46:15.680 --> 01:46:20.399 tie up a bay. No, what I'm talking about Mark is in my 1350 01:46:20.680 --> 01:46:26.159 case, I went and now this is a car is drivable? Was your 1351 01:46:26.239 --> 01:46:30.720 car driveable? I guess I went Mark and they examined it and ordered the 1352 01:46:30.800 --> 01:46:34.399 parts. But I took my car back they just ordered the parts. They 1353 01:46:34.399 --> 01:46:43.000 didn't Why didn't you do that then, Lindsey. I actually asked them when 1354 01:46:43.039 --> 01:46:45.560 I took it in, because I explained to them I'm a small business owner. 1355 01:46:45.640 --> 01:46:47.600 I need my vehicle for work and I don't have a rental car coverage. 1356 01:46:48.039 --> 01:46:50.800 So I asked them, you know, if you're going to have to 1357 01:46:50.920 --> 01:46:55.880 order some stuff and my vehicle is driveable, can I please pick it up 1358 01:46:56.000 --> 01:47:00.119 and then drop it back off. And they agreed to that before I and 1359 01:47:00.199 --> 01:47:04.239 turn the keys over them for my truck. So when the time came for 1360 01:47:04.319 --> 01:47:08.319 them to order apart, they said it was going to take two to four 1361 01:47:08.359 --> 01:47:12.960 weeks for that to come in, and I asked them if I could go 1362 01:47:13.079 --> 01:47:16.000 ahead and take control back of my vehicle so I could use it, and 1363 01:47:16.079 --> 01:47:20.239 they said, we're going to proceed with other body work while we're waiting for 1364 01:47:20.880 --> 01:47:24.520 they had to replace the frame, and I understand that is the long term. 1365 01:47:24.800 --> 01:47:28.000 Wait a minute, so they say communication, that's the problem. So 1366 01:47:28.239 --> 01:47:32.000 basically, you had to get your whole frame replaced. Yes, oh my 1367 01:47:32.199 --> 01:47:38.920 god. Yes. So the problem is is that I did ask them if 1368 01:47:38.960 --> 01:47:42.319 I could go ahead and take my truck and bring it back when the frame 1369 01:47:42.399 --> 01:47:44.880 came in, and they said, we're going to go ahead and do all 1370 01:47:44.920 --> 01:47:47.399 the rest of the painting, all the exterior body work while we wait for 1371 01:47:47.479 --> 01:47:50.880 the frame. That way, when the frame comes in, we can get 1372 01:47:50.920 --> 01:47:54.640 it right on the list and we'll have it out of here within two weeks. 1373 01:47:55.960 --> 01:47:58.560 So when I went when the frame came in, I went in and 1374 01:47:58.640 --> 01:48:01.720 saw my truck and they hadn't done on any of the repairs at all that 1375 01:48:01.840 --> 01:48:04.880 they told me they were doing in the time we were waiting for the frame. 1376 01:48:05.359 --> 01:48:09.039 So what are they say now? Did they start on it now? 1377 01:48:10.560 --> 01:48:14.520 They did start on it now and it's actually almost done. I think where 1378 01:48:14.560 --> 01:48:17.119 I needing some advice is wanting to know my rights as a consumer, for 1379 01:48:17.840 --> 01:48:23.000 you know, they've they've just passed me around. My truck was sitting there 1380 01:48:23.039 --> 01:48:27.000 when I wasn't able to use it. It's caused me a significant financial distress. 1381 01:48:27.760 --> 01:48:30.800 And well, if you're going to try to make a legal case what 1382 01:48:30.960 --> 01:48:33.880 to get damages? I don't think it's going to work. That's just my 1383 01:48:34.039 --> 01:48:38.640 own opinion. Unless they were negligent, I don't think you're going to be 1384 01:48:38.680 --> 01:48:41.880 able to prove negligence. Help me out here. Tell me what you're trying 1385 01:48:41.920 --> 01:48:44.119 to get, Just just say it. What are you trying to get? 1386 01:48:44.199 --> 01:48:48.319 Money? Well? I no, I think I personally feel from a customer 1387 01:48:48.720 --> 01:48:55.399 service standpoint and the fact that my vehicle was sitting for weeks without being touched. 1388 01:48:55.520 --> 01:48:58.359 Okay, well, I'm going to ask you the same exact question. 1389 01:48:59.279 --> 01:49:01.680 You've stated your case, and this is what I always like to say. 1390 01:49:02.159 --> 01:49:10.079 Therefore, what I feel like they should wave my deductible? Okay, so 1391 01:49:10.319 --> 01:49:15.079 there is something you want. How much is your DEDUCTI? Yes, Okay? 1392 01:49:15.359 --> 01:49:20.399 What did they say when you offered that? They basically said, oh, 1393 01:49:20.479 --> 01:49:24.159 we haven't waived your deductible yet, And I said, no, not 1394 01:49:24.279 --> 01:49:30.000 yet. He said that again. I asked our Atturning and Colorado Order Repair 1395 01:49:30.039 --> 01:49:36.000 Act does not explicitly require repair shops to provide an estimated completion date for repairs. 1396 01:49:36.880 --> 01:49:44.000 However, as a common industry a practice they often do, but it 1397 01:49:44.159 --> 01:49:46.560 is not required by So I don't know where you're getting that. Can you 1398 01:49:46.720 --> 01:49:50.560 point me to that, because you need to point me to that area. 1399 01:49:51.199 --> 01:49:55.880 Then again, if they violated it and didn't give you a completion date, 1400 01:49:56.279 --> 01:49:59.119 what do you do about it? I mean you accepted that, you kind 1401 01:49:59.159 --> 01:50:02.079 of took it in with it. How to completion date? Right? Yes, 1402 01:50:02.119 --> 01:50:05.279 because I wasn't aware of that at the time. So there is a 1403 01:50:05.319 --> 01:50:12.199 second part now that now they found a completely unrelated issue. They wanted me 1404 01:50:12.319 --> 01:50:14.880 to pay for it, not related to the accent. Well what is it? 1405 01:50:15.560 --> 01:50:18.039 What is it? But it's an issue of my air suspension. I 1406 01:50:18.319 --> 01:50:21.960 suspected it was related to the accident. It turns out it wasn't. They 1407 01:50:23.039 --> 01:50:25.600 wanted me to pay for They wanted me to pay for it. I said, 1408 01:50:25.640 --> 01:50:30.920 this should be covered under warranty. What year is your truck? It's 1409 01:50:30.960 --> 01:50:34.560 a twenty sixteen. Well it's not under warranty. What warranty would it be 1410 01:50:34.640 --> 01:50:38.960 on? I got it, I bought it used, so it's an extended 1411 01:50:39.000 --> 01:50:45.640 warranty. Here's here's tell me what's wrong with the air suspension system by the 1412 01:50:45.640 --> 01:50:49.520 way. Uh, they said that it was worn down. One of the 1413 01:50:49.640 --> 01:50:57.000 lines was worn down because it's a defect in the way that it was manufactured. 1414 01:50:57.279 --> 01:51:00.760 Was it an aftermarket system? Nope, it came with the truck. 1415 01:51:01.119 --> 01:51:04.159 Where did you get Jessic, what is the name of your extended warranty? 1416 01:51:05.279 --> 01:51:13.800 It's through Assurance. And first of all, I wouldn't have this body shop 1417 01:51:13.880 --> 01:51:16.079 do that repair to begin with her. Are they saying it's mandatory right now? 1418 01:51:17.000 --> 01:51:19.880 Well? The thing is is I I asked them to find out if 1419 01:51:19.920 --> 01:51:25.520 it was covered. Over a course of two weeks, they lied and said 1420 01:51:25.560 --> 01:51:28.359 they sent in the paperwork. When I followed up at the warranty company, 1421 01:51:28.439 --> 01:51:32.279 they hadn't submitted anything. I kept calling to follow up to find out if 1422 01:51:32.279 --> 01:51:36.479 they had found out it was covered. And then they called me and told 1423 01:51:36.560 --> 01:51:44.720 me they went ahead and replaced that part without my knowledge. How much I 1424 01:51:45.119 --> 01:51:47.520 don't know. They never gave me a price on that it was covered under 1425 01:51:47.560 --> 01:51:51.680 warranty. So wait, wait, wait, wait, so it was covered. 1426 01:51:54.000 --> 01:51:58.359 Yes, Okay, then why do you care because I have there's a 1427 01:51:58.439 --> 01:52:02.680 deductible and how much is that deductible? Me? It's a two hundred dollars 1428 01:52:02.720 --> 01:52:06.760 deductible from what they said, can I remember something? You better be really 1429 01:52:06.880 --> 01:52:12.279 anyway. I would be really, really happy if they got something covered under 1430 01:52:12.319 --> 01:52:15.960 warranty that they discovered after an accident, because that warranty company could have so 1431 01:52:16.640 --> 01:52:20.399 put you together and said we're not covering it. You are so lucky they 1432 01:52:20.520 --> 01:52:25.960 covered it. I mean, I mean really, I listen, I would 1433 01:52:26.000 --> 01:52:29.159 be upset about the three months. I'm not going to be upset about the 1434 01:52:29.199 --> 01:52:32.199 other thing. I'm just telling you that right now. So what I would 1435 01:52:32.239 --> 01:52:35.680 do right now is there's not much you can Let's put it this way, 1436 01:52:35.720 --> 01:52:41.279 Lindsey. I don't think you're gonna get anything from them for keeping your car 1437 01:52:41.439 --> 01:52:46.119 three months. There's nothing they did that was negligent. They did not there 1438 01:52:46.159 --> 01:52:50.000 weren't negligent. I mean, you got to prove that they did something wrong 1439 01:52:50.680 --> 01:52:56.560 to cost you a damages, and I to be honest with you, I 1440 01:52:56.800 --> 01:52:59.760 just don't see it. If I did, I would let you know. 1441 01:53:00.800 --> 01:53:04.640 I mean, almost everyone is having a problem with parts and all of that. 1442 01:53:05.159 --> 01:53:10.880 If they can show they work diligently during this time and did not, 1443 01:53:11.199 --> 01:53:13.680 you would have to if even if you wanted to go to small claims court. 1444 01:53:13.760 --> 01:53:15.640 Let's say for one thousand and two thousand, whatever you said your losses 1445 01:53:15.680 --> 01:53:23.119 were, you'd have to show they breached their duty to you. They somehow 1446 01:53:23.560 --> 01:53:27.920 were negligent, and I'm not sure how you can do that. I think 1447 01:53:28.000 --> 01:53:31.039 that you're upset, and I understand why you feel like you were lied to 1448 01:53:31.159 --> 01:53:35.319 and led to a leed on right, But they got your job, they 1449 01:53:35.439 --> 01:53:42.079 did it, and now it's almost done, so I think you're wasting time. 1450 01:53:42.399 --> 01:53:45.479 I'm being straight with you. If you look at a lot of times 1451 01:53:45.560 --> 01:53:47.760 people don't hear what they want on the show, and I feel bad about 1452 01:53:47.800 --> 01:53:51.920 that, but I still can't change it just because people are going to feel 1453 01:53:51.920 --> 01:53:56.319 bad about it. I'd rather be honest with you, so you're not wasting 1454 01:53:56.399 --> 01:53:59.640 a lot of time. I wouldn't be happy with them. I wouldn't recommend 1455 01:53:59.720 --> 01:54:04.359 them. Maybe they could have been more efficient, but but and especially the 1456 01:54:04.439 --> 01:54:06.840 part where they said, well we're going to start right away and have sat 1457 01:54:06.880 --> 01:54:11.439 there for a week. That would have pissed me off. But it was 1458 01:54:11.520 --> 01:54:14.399 a week, right, So I don't think there's anything we can do about 1459 01:54:14.439 --> 01:54:21.279 it. Three O three seven one three eight two five five go with a 1460 01:54:21.359 --> 01:54:26.680 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 1461 01:54:26.880 --> 01:54:32.680 until you're content. Time for an insurance check up free, no obligation. 1462 01:54:32.720 --> 01:54:38.640 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 1463 01:54:38.680 --> 01:54:42.399 companies find out now three all three seven seven to one help. You'll think 1464 01:54:42.439 --> 01:54:45.239 you're his only customer when you choose Frank durand the real estate Man dot com 1465 01:54:45.479 --> 01:54:50.119 to list your home with Remax Alliance three all three nine two zero sixteen twenty 1466 01:54:50.199 --> 01:54:59.159 two. Hi Tom Martino, you're a troubleshooter three O three seven one three 1467 01:54:59.279 --> 01:55:03.079 talk three all three seven one three eight two five five LJ. He's got 1468 01:55:03.159 --> 01:55:09.199 a question on timeshare LJ. What is happening? Not a whole lot? 1469 01:55:09.239 --> 01:55:11.640 How were you? Mister Tom Good? What can I do for you? 1470 01:55:11.720 --> 01:55:15.920 Man? Well, my parents had a time share that they've had for twenty 1471 01:55:15.960 --> 01:55:21.920 plus years. They are the actual piece of I guess mortgage has been paid 1472 01:55:21.960 --> 01:55:27.760 off and now they just have the maintenance feat. Well, my dad passed 1473 01:55:27.760 --> 01:55:30.600 away two years ago, and so my mom is just getting in the part 1474 01:55:30.720 --> 01:55:35.439 of being able to get out of it, and she's in her eighty I 1475 01:55:35.520 --> 01:55:41.760 don't think any of us kids are beneficiaries on there. And I'm not sure 1476 01:55:42.840 --> 01:55:46.039 what the process is. It's a Windom property and I know they have an 1477 01:55:46.079 --> 01:55:49.439 exit team, but didn't know if you had any. Uh, let me 1478 01:55:49.560 --> 01:55:51.960 let me ask you a few things. Let me ask you a few things, 1479 01:55:53.119 --> 01:55:58.680 LJ. How much is this burden to every year? It's about seventy 1480 01:55:58.800 --> 01:56:01.760 five dollars a month and just maintenance, that's it. Yeah, And there 1481 01:56:01.840 --> 01:56:06.399 could be special assessments that come up, so it's definitely something she wants to 1482 01:56:06.439 --> 01:56:12.560 get out of. What kind of income and substance does she have? So 1483 01:56:12.920 --> 01:56:15.760 she just has Social Security and my dad had with the government. So she's 1484 01:56:15.800 --> 01:56:20.239 got an annuity that comes in and that's it, but it's not very much. 1485 01:56:20.920 --> 01:56:26.319 And is that annuity a government annuity like a government pension of some kind 1486 01:56:26.520 --> 01:56:33.479 or is it? Yes? And from from his retirement? Okay, Gary, 1487 01:56:33.560 --> 01:56:38.720 can they garnish his government annuity? Do you know Retirement Planning Center? 1488 01:56:38.960 --> 01:56:44.000 Can they garnish his government annuity? I don't believe so, nor his social 1489 01:56:44.079 --> 01:56:48.000 security? Okay? Does she own a home? They own the house right 1490 01:56:48.039 --> 01:56:50.760 now, it's not known. Shouldn't they own it? But they still have 1491 01:56:50.800 --> 01:56:54.800 a mortgage ship to doe on it. How much equity in the house. 1492 01:56:55.880 --> 01:56:59.439 There might be one hundred thousand dollars in it. Okay, she is judgment 1493 01:56:59.520 --> 01:57:02.000 proof. Right now, she has an exclusion far in excess of one hundred 1494 01:57:02.039 --> 01:57:06.239 grand because of her age. She I don't see how they can come after 1495 01:57:06.319 --> 01:57:13.119 her for anything if she just stopped paying. Okay, she might now listen. 1496 01:57:13.359 --> 01:57:15.199 It might be scary for her. I don't know. She probably doesn't 1497 01:57:15.239 --> 01:57:18.239 need credit. They might try to ruin her credit. They might try to 1498 01:57:18.399 --> 01:57:21.000 threaten her. She may just tell them, look, I'm not paying anymore. 1499 01:57:21.399 --> 01:57:24.800 I paid it for twenty plus years. I'm not paying anymore. If 1500 01:57:24.840 --> 01:57:27.279 you want to come after me, come after me if you want. If 1501 01:57:27.319 --> 01:57:30.239 you want the timeshare, I'll give it back to you. She's judgment proof. 1502 01:57:30.359 --> 01:57:33.720 Let me tell you a couple of things. Even if they got a 1503 01:57:33.800 --> 01:57:39.479 judgment, they can't take her money and they can't take her house, so 1504 01:57:39.840 --> 01:57:44.359 they take the timeshare condom. Here's the other thing. If they don't, 1505 01:57:44.720 --> 01:57:48.159 if they get a judgment and wait until she passes, they could, even 1506 01:57:48.199 --> 01:57:55.000 though they never have, they could put a claim against the estate. They 1507 01:57:55.159 --> 01:57:59.039 never have, but they can, Okay, And if they do. They 1508 01:57:59.079 --> 01:58:03.119 would only be in time to what has a crude and not damages or anything 1509 01:58:03.239 --> 01:58:10.520 like that. I just think that if it was my mom and dad, 1510 01:58:10.640 --> 01:58:14.399 that's what I would do. But if you want to hire an exit team, 1511 01:58:14.520 --> 01:58:18.039 it's going to be a minimum of about four grand. And that's the 1512 01:58:18.119 --> 01:58:21.359 one thing we're trying to avoid, right. She called, She called them 1513 01:58:21.439 --> 01:58:26.479 and let them know that she wants out. She's I think again, I 1514 01:58:26.760 --> 01:58:30.840 know enough to be dangerous. It seems like her position is pretty good to 1515 01:58:30.920 --> 01:58:34.680 where she doesn't own owe anything on a mortgage, speeds or a payment. 1516 01:58:35.039 --> 01:58:38.840 Yeah, but they don't care. They don't care if maybe if they want 1517 01:58:38.880 --> 01:58:41.199 to resell it, they'll take it back. She's not going to get any 1518 01:58:41.279 --> 01:58:44.880 money for it, No, and she's not trying to shed just like I 1519 01:58:44.960 --> 01:58:47.720 know. Has she ever used it, by the way, you know, 1520 01:58:48.199 --> 01:58:53.319 they my siblings have used it a few times. But now she can't travel, 1521 01:58:53.439 --> 01:58:56.520 so she's not used and where is it and where is it? And 1522 01:58:56.640 --> 01:59:01.399 for how long? And all that her her Their home home base is Pagosa 1523 01:59:01.479 --> 01:59:06.479 Springs, but they can use properties all over, so most of the time 1524 01:59:06.560 --> 01:59:10.279 when family travels, they'll have to use it. When they go to Las 1525 01:59:10.359 --> 01:59:14.840 Vegas is usually the ones and it's for a week. Is it for a 1526 01:59:14.960 --> 01:59:18.479 week or is it for points? It's for points. It's the worst thing 1527 01:59:18.560 --> 01:59:21.880 you could ever have, worst thing in the world. I mean, it 1528 01:59:23.039 --> 01:59:27.560 is really terrible. Like I said, if they don't just let her out, 1529 01:59:28.039 --> 01:59:30.119 I would talk to them if I were you to say, look, 1530 01:59:30.159 --> 01:59:33.800 if you don't let my mom out and just take it back, then she's 1531 01:59:33.920 --> 01:59:36.720 just not going to pay good luck coming after her. She has nothing but 1532 01:59:36.880 --> 01:59:45.479 social Security. I would just play some hardball, Okay, okay, I 1533 01:59:45.560 --> 01:59:47.319 mean that's what I would do. That's all I can tell you is what 1534 01:59:47.399 --> 01:59:54.279 I would do. Man. I would definitely make sure that those jerks don't 1535 01:59:54.319 --> 01:59:58.399 take it bad. Make sure anymore social Security is going into a bank account 1536 01:59:58.479 --> 02:00:03.279 that's labeled at Although that's not required, it's a great idea. You want 1537 02:00:03.319 --> 02:00:06.239 to make sure that you know she has an account that says you know, 1538 02:00:06.399 --> 02:00:12.039 Martha's social Security. Although if that's all she has and is direct deposited, 1539 02:00:12.119 --> 02:00:15.560 that's pretty easy. But again, just just keep an eye out and I 1540 02:00:15.600 --> 02:00:26.239 would just forget it. I'm Tom Martine More coming up go with a sure 1541 02:00:26.319 --> 02:00:30.319 thing. Denver's best roofer Excel roofing dot com. You don't pay a cent 1542 02:00:30.560 --> 02:00:36.319 until you're content. Time for an insurance check up free, no obligation. 1543 02:00:36.399 --> 02:00:42.319 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 1544 02:00:42.359 --> 02:00:45.039 companies find out now three all three seven seven to one help. You'll think 1545 02:00:45.119 --> 02:00:48.920 you're his only customer when you choose Frank durand the real estate Man dot com 1546 02:00:49.159 --> 02:00:54.800 to list your home with Remax Alliance three all three nine two zero sixteen twenty 1547 02:00:54.840 --> 02:01:05.079 two. Hi Tom Martinez here three all three seven one three talk three all 1548 02:01:05.119 --> 02:01:10.840 three seven one three eight two five five. Welcome to the show. We're 1549 02:01:10.920 --> 02:01:16.039 here to help you any way we can. And it's very interesting what's going 1550 02:01:16.079 --> 02:01:19.159 on in the course, both with stem cell therapy and of course more importantly 1551 02:01:19.239 --> 02:01:25.239 the presidential the presidential race. Now, Mark has listened to the oral arguments 1552 02:01:25.279 --> 02:01:29.119 and one thing I wanted to mention, and I think it's the utmost importance 1553 02:01:29.199 --> 02:01:32.239 Mark, according to of course biased, I call them biased press releases right 1554 02:01:32.279 --> 02:01:35.960 now. When I go with press releases, I do, uh, I 1555 02:01:36.319 --> 02:01:41.479 look and see who's writing them, Okay, and in this one it's biased. 1556 02:01:41.680 --> 02:01:45.680 But they said, and this is in opposition, they filed a brief 1557 02:01:45.720 --> 02:01:50.399 with Scotus saying it's it's called what do you call it when they file a 1558 02:01:50.479 --> 02:01:55.479 brief friend of courtant, what's it's? Yeah, kind of like that. 1559 02:01:55.640 --> 02:02:00.560 It's it's basically it's basically emotion saying we believe this. And I don't know 1560 02:02:00.600 --> 02:02:04.119 why. It's called an amicust That's what it is, an amicus brief where 1561 02:02:04.279 --> 02:02:09.479 people weigh in. I don't even know and I've never seen I don't know 1562 02:02:09.600 --> 02:02:15.880 the process if the justices actually take into consideration the amicus the amicus briefs. 1563 02:02:16.439 --> 02:02:20.399 But anyway, this one said, you know, this should be denied. 1564 02:02:20.760 --> 02:02:26.760 He should be left off the ballot. And here's why they claim that in 1565 02:02:26.880 --> 02:02:31.920 the entire case, if you read this brief, that their attorneys made no 1566 02:02:32.199 --> 02:02:36.439 mention of him not being an insurrectionist, but that he should have immunity. 1567 02:02:36.760 --> 02:02:40.399 Now, you're the one that listened to most of the oral arguments. I 1568 02:02:40.479 --> 02:02:44.880 didn't. Were they making the point? Did they address the insurrection part at 1569 02:02:44.920 --> 02:02:48.119 all? No, it had nothing to do with it. It had Now, 1570 02:02:48.640 --> 02:02:55.279 what did Trump's attorney address the fact that the state does not have the 1571 02:02:55.359 --> 02:03:01.159 authority to remove him from the ballot even if he did even if he did 1572 02:03:01.279 --> 02:03:06.000 take partner insurrection or did they not make that wasn't that wasn't their argument. 1573 02:03:08.079 --> 02:03:13.560 Okay, they they said they quoted, we quoted insurrectionist or not. They 1574 02:03:13.680 --> 02:03:17.680 quoted the attorney as saying, even if now I'm not like I said, 1575 02:03:17.680 --> 02:03:24.520 I didn't hear it. Even if a candidate were an admitted insurrectionist, the 1576 02:03:24.680 --> 02:03:29.840 fourteenth Amendment still allows candidates to run for office. Now, I don't know 1577 02:03:29.880 --> 02:03:31.359 if you heard that or not, but I'll tell you why. I'll tell 1578 02:03:31.359 --> 02:03:35.880 you what. The part of the argument on Trump's side was because two thirds 1579 02:03:35.960 --> 02:03:42.119 of Congress can overrun that. So if you are an insurrectionist and you do 1580 02:03:42.359 --> 02:03:45.840 get elected because people vote for you, and you get elected, then you 1581 02:03:45.920 --> 02:03:50.399 would have to have Congress vote I think it was by two thirds in order 1582 02:03:50.560 --> 02:03:57.560 to allow you to become president or whatever at that point. And there's a 1583 02:03:57.680 --> 02:04:00.880 mechanism, in other words, there's a mechanism to overcome it. But the 1584 02:04:01.039 --> 02:04:04.000 state doesn't have that. No, I get it. Does not get it. 1585 02:04:04.479 --> 02:04:08.840 But one thing we can all agree on that a lot of people bring 1586 02:04:08.960 --> 02:04:15.960 up it doesn't require a conviction for insurrection. That's not even part of the 1587 02:04:16.119 --> 02:04:19.760 argument. Who knows if it does or not. And the argument from Colorado's 1588 02:04:19.800 --> 02:04:25.359 side is we did convict him in the state of Colorado. Well they did 1589 02:04:25.439 --> 02:04:29.199 not, really they Well, the Supreme Court found he was he took part 1590 02:04:29.319 --> 02:04:30.680 in an insurrection. Yes, no, they had a trial. It was 1591 02:04:30.720 --> 02:04:34.680 a five day trial. Trump decided not to show up and prove that he 1592 02:04:34.880 --> 02:04:44.279 wasn't. So he was. And they claim that Justice Sodomyer speculated that they 1593 02:04:44.359 --> 02:04:51.920 were jerrymandering the rule to benefit only their client and that the fourteenth Amendment on 1594 02:04:53.119 --> 02:04:57.760 insurrectionistship should apply to everyone. Did you hear anything like did you hear any 1595 02:04:57.840 --> 02:05:03.079 comments from the justices like that? No? So anyway, they're claiming this 1596 02:05:04.880 --> 02:05:10.079 press release from an organization called cont Listen. The bottom line is none of 1597 02:05:10.119 --> 02:05:14.319 it matters. Imagine if they actually did keep them off, then Mississippi could 1598 02:05:14.399 --> 02:05:17.319 keep Biden off, then someone else could keep somebody else off. Then all 1599 02:05:17.319 --> 02:05:21.399 of a sudden, you have one state who knows what state is, the 1600 02:05:21.520 --> 02:05:27.720 only ones with both candidates on the ballot deciding who is the president for all 1601 02:05:27.840 --> 02:05:31.800 fifty states. It's just ridiculous in its face. There's this thing called logic. 1602 02:05:32.119 --> 02:05:36.520 You can't have states decide who the hell's on a presidential ballot. It's 1603 02:05:36.640 --> 02:05:44.439 stupid. You know, logic does side with you, but logic doesn't always 1604 02:05:44.479 --> 02:05:47.079 side with the law. The law doesn't always side with logic unfortunately. I 1605 02:05:47.159 --> 02:05:53.319 mean, it gets to be really crazy. There is no way, there 1606 02:05:53.439 --> 02:05:58.119 is no way this is not getting overturned. There's no way. The president 1607 02:05:58.199 --> 02:06:02.800 would be unbelievable, will have other states all of a sudden denying Biden. 1608 02:06:02.920 --> 02:06:09.720 Think of that slippery road. Now, even the larkest of lefties I disagree 1609 02:06:09.720 --> 02:06:13.600 with you on I disagree with you on the Biden thing because it doesn't it 1610 02:06:13.920 --> 02:06:17.840 doesn't leave open states. Even if they said that in this case, the 1611 02:06:18.000 --> 02:06:24.520 state can do it because of insurrection. I don't believe that it says a 1612 02:06:24.640 --> 02:06:29.600 state can take a president off for any reason. Well, okay, it 1613 02:06:29.720 --> 02:06:33.159 doesn't say they can take them off for insurrection. It doesn't say that. 1614 02:06:33.640 --> 02:06:38.680 So they just said it does, or that's the argument they're making. So 1615 02:06:38.840 --> 02:06:42.720 why couldn't you make up anything because he's stupid, we don't want him mine. 1616 02:06:42.920 --> 02:06:47.319 Okay, because let's not have stupid arguments. Let's go to something real. 1617 02:06:47.640 --> 02:06:51.319 He gave a lot of money to Iran. Iran is using that money 1618 02:06:51.399 --> 02:06:56.800 to kill Americans. Therefore, he is aiding and abetting the enemy, which 1619 02:06:57.000 --> 02:07:00.720 in my opinion, is just as bad as anything that happened on January sixth. 1620 02:07:01.439 --> 02:07:04.640 Well, okay, you're saying that if they let this argument through, 1621 02:07:05.119 --> 02:07:09.760 what you're saying is they can let any argument through. And I don't think 1622 02:07:09.840 --> 02:07:13.520 that's really what. I don't think it would. I think they would still 1623 02:07:13.640 --> 02:07:17.479 have to show insurrection because I specifically deal. Okay, but Mark, that's 1624 02:07:17.520 --> 02:07:23.119 not insurrection, is it? Well, how how the hell do I know 1625 02:07:23.720 --> 02:07:27.319 that that's what the Supreme Court is there for? It sure is not the 1626 02:07:28.119 --> 02:07:31.960 state of Colorado to decide. Well, No, I don't think so either. 1627 02:07:32.399 --> 02:07:35.800 I think that when it comes to national elections, like you said, 1628 02:07:36.239 --> 02:07:41.800 it would be ridiculous if states get to decide, because you would have a 1629 02:07:41.880 --> 02:07:45.760 limited number of states deciding the presidency for everyone, which would be crazy. 1630 02:07:46.199 --> 02:07:49.119 I mean, I do agree with that. Three oh three seven to one 1631 02:07:49.239 --> 02:07:54.159 three talk seven one three eight two five five more coming right up. Go 1632 02:07:54.319 --> 02:07:58.520 with a sure thing Denver's best roofer excel roofing dot com. 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All right, So 1640 02:08:35.560 --> 02:08:45.520 summing things up today, folks, sem cell therapy maybe getting a boost from 1641 02:08:45.600 --> 02:08:50.079 the ninth Circuit or yeah, the uh, the the eleventh Circuit considering or 1642 02:08:50.119 --> 02:08:54.920 the ninth Circuit, I'm sorry, considering whether or not stem cell is manipulation 1643 02:08:56.079 --> 02:09:01.720 or not. We're also waiting for a decision on Colorado and whether or not 1644 02:09:01.840 --> 02:09:05.039 Trump will be on the ballot. You know, this Biden thing came out 1645 02:09:05.079 --> 02:09:09.560 from the DOJ today, So listen to this quote from the report. You 1646 02:09:09.680 --> 02:09:16.520 ready, go ahead? The President Document, the President's Document Practices present serious 1647 02:09:16.640 --> 02:09:24.720 christ to national security. Biden presented himself as a sympathetic, well meaning elderly 1648 02:09:24.880 --> 02:09:30.479 man with poor memory. That's why they're not pressing charges that actually that actually 1649 02:09:30.479 --> 02:09:37.079 where to god, the report says it. It's amazing, holy crap security 1650 02:09:37.199 --> 02:09:41.159 risk. But no, Trump, I don't even want to get on this. 1651 02:09:41.399 --> 02:09:45.279 It is so unfair. What is going on in this country right now. 1652 02:09:45.600 --> 02:09:48.680 It is unbelievable. This is the US of A. Do you know 1653 02:09:48.800 --> 02:09:52.119 what, though, Mark, Honest to god, I don't know how much, 1654 02:09:52.680 --> 02:09:54.319 how much you read on both sides of this thing, I don't know. 1655 02:09:54.520 --> 02:09:58.880 I'm not saying you don't what I'm saying the report, But no, 1656 02:09:58.159 --> 02:10:01.920 no, I'm not talking about that. I'm talking about in general. It 1657 02:10:01.199 --> 02:10:09.279 is astounding, not just that Trump is disliked, but the extent of he's 1658 02:10:09.600 --> 02:10:15.119 it is. I have never seen anything more venomous in my entire life. 1659 02:10:15.279 --> 02:10:20.800 Ever, I would say that the dislike for Trump would be akin to Hitler. 1660 02:10:20.880 --> 02:10:24.800 Well, I sure wouldn't go that far. But no, I'm not 1661 02:10:24.880 --> 02:10:26.840 saying he's like him. No, no, I'm not saying he's liking I'm 1662 02:10:26.920 --> 02:10:33.840 saying what I see and what I read on the other side of the fence, 1663 02:10:33.199 --> 02:10:37.800 not the people. It's because the media has pumped that into stupid people's 1664 02:10:37.840 --> 02:10:41.760 heads. That's what they're supposed to believe, because they're sheep. You know 1665 02:10:41.840 --> 02:10:45.640 what, I want Trump elected just so all these crazy lefties will leave town. 1666 02:10:46.720 --> 02:10:48.880 Oh well, never do. They always promise it's not whether he'll be 1667 02:10:48.960 --> 02:10:52.840 elected. I don't think he's electable. That's my own opinion. But in 1668 02:10:52.920 --> 02:10:56.720 any case, wait, wait, wait, what do you mean he's electable? 1669 02:10:56.800 --> 02:11:00.520 What does that mean? I don't think pete, I don't think that 1670 02:11:00.680 --> 02:11:03.319 he can win. Okay, well you said that the first time. Yeah, 1671 02:11:03.439 --> 02:11:07.239 of course I did, and I didn't shy from it. Listen, 1672 02:11:07.279 --> 02:11:09.079 I want to tell people. I'm not giving you my opinions on him. 1673 02:11:09.640 --> 02:11:13.159 I mean I got mixed opinions on him. That doesn't it doesn't. They 1674 02:11:13.199 --> 02:11:16.439 don't matter. It's any way in the world you'd vote for Biden. And 1675 02:11:16.560 --> 02:11:22.359 let's just ask you man. No, okay, thank you, but I 1676 02:11:22.439 --> 02:11:28.319 will say this, okay, if we're honest about it, right, okay, 1677 02:11:28.640 --> 02:11:31.079 And again I don't want to get into this right now. But the 1678 02:11:31.199 --> 02:11:33.399 economy is doing great right now? Do you know it's not? Yes, 1679 02:11:33.439 --> 02:11:39.199 it is. Layoffs are everywhere. Tom Well, actually mark all the main 1680 02:11:39.319 --> 02:11:41.600 indicators. I'd like to say that too, except you go to all the 1681 02:11:41.680 --> 02:11:48.079 main indicators and this economy is buzzing. You go to get the gross natural 1682 02:11:48.159 --> 02:11:54.680 product. You go to inflation, you go to any marker unemployment, employment, 1683 02:11:54.039 --> 02:12:00.600 you go to investment, spending. Confidence. Everything is doing well whether 1684 02:12:00.640 --> 02:12:03.960 you like it or not. Listen, you know one thing people either people 1685 02:12:03.079 --> 02:12:07.760 probably hate me because I don't. I'm not gonna I'm not gonna go crazy 1686 02:12:07.840 --> 02:12:09.439 on one side or the other. But I'm telling you when I look at 1687 02:12:09.520 --> 02:12:13.000 indicators, I don't know. Maybe tomorrow you can tell me what's doing bad. 1688 02:12:13.159 --> 02:12:16.920 Seriously, Mark, Because I'm not carrying a flag here, I'm not 1689 02:12:18.000 --> 02:12:20.880 trying to convince people what to do with their vote or with their life. 1690 02:12:22.079 --> 02:12:26.079 I will tell them this though. Retirement. We're all gonna face retirement, 1691 02:12:26.319 --> 02:12:28.880 and no matter what you are or where you are, you're gonna want to 1692 02:12:28.960 --> 02:12:33.760 have security. So that's what we're talking about tonight at the Delta Events Center 1693 02:12:35.119 --> 02:12:37.920 in Thornton. So I want you to check it out and you can get 1694 02:12:37.920 --> 02:12:43.000 a seat there. I'll be there. Please rpcenter dot com or call them 1695 02:12:43.079 --> 02:12:46.640 nine seven zero sixty six thirty thirty two eleven. And I mean that sincerely. 1696 02:12:46.960 --> 02:12:52.439 I want you to like to really be careful about retirement. Avoid one 1697 02:12:52.520 --> 02:12:56.800 trick ponies. I call them someone who no matter what they have one thing 1698 02:12:58.640 --> 02:13:05.960 to recommend void people who have schemes or as we heard, real estate investment 1699 02:13:05.960 --> 02:13:09.760 trust. Nothing wrong with real estate investment trusts in and of themselves, but 1700 02:13:09.920 --> 02:13:16.720 as you get older, these investments that require that you buy shares and liquidate 1701 02:13:16.840 --> 02:13:20.840 shares other than the stock market, it's very difficult, very difficult when you 1702 02:13:20.920 --> 02:13:26.600 get in these private things that sell shares, because unless there's a market for 1703 02:13:26.680 --> 02:13:30.800 those shares, the issuers don't have to buy them back, and you could 1704 02:13:30.880 --> 02:13:37.119 end up like that caller we had today who basically she had shares in something 1705 02:13:37.239 --> 02:13:39.880 supposedly worth something. But if you can't sell it, what do you do 1706 02:13:41.000 --> 02:13:45.319 about it? Then you run up against the problem with minimum distributions you have 1707 02:13:45.439 --> 02:13:48.000 to take at starting at seventy two or seventy three, you could be in 1708 02:13:48.079 --> 02:13:52.520 big trouble. Anyway, don't forget rpcenter dot com for tonight at six. 1709 02:13:52.880 --> 02:13:58.600 I hope to see you there and three zero three Martino call any time for 1710 02:13:58.720 --> 02:14:01.600 help. We'll get back to you. Gave all your problems for me,