WEBVTT

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Yeah, ripped off that news.
You need advice, so you don't have

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come. Run in just as fast
as we can. Shooter's gonna help coming

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man. This is the Troubleshooter Show. No Tom Martino. I'm Tom Martino.

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Welcome to the show. Three oh
three seven one three Talk three oh

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three seven one three eight, two
five five. It's Car Day today,

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as it is every Friday. Now
that doesn't mean we only talk about cars,

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but we emphasize cars. We talk
a little bit about cars. So

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welcome to that. We have Kevin
Colkin with us Sheridan Auto Tech. You

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can give us a call at three
oh three seven one three Talk every day.

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You can use that number, but
you can also use twenty four to

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seven three oh three Martino three three
six two seven eight four six six.

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So we will be talking about cars
a little. Do you know that the

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states with the biggest car loans?
Interesting? Where do you think car loans

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have gone up the most in the
last few years? Where? For some

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reason, this website while at hub, did a survey to find out the

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states with the most or the fastest
increasing car loans. The biggest balance is

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compared to the past. This state
blows me away. I would have never

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believed it. What would you say? What would you say? I mean,

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obviously you're gonna you only have a
one in fifty chance. Is it

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a one in fifty chance of being
right? Yeah? Well, I first

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bet would have been California. No, Wyoming. Wow. In fact,

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I don't see a rhyme or reason. But Wyoming has the fastest growing car

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dead well, the price of trucks
has gone up crazy. You think that

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has something to do with it?
A lot of trucks up there? Hreh?

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Does? It depends on what statistic
they're using. What's that, doc?

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It depends on what statistic they're using. If you saw it with five

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and you double it to ten,
it's one hundred percent increase. But if

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you saw with one thousand and double
it to two hundred, it's only twenty

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percent. So it depends on what
they're using as their baseline. Okay,

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how about this if we looked at
it another way. But that's a good

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point, Doc, You're you're right. Whenever they say crime is doubled,

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and you only had one homicide,
now you have two, it's still pretty

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damn good, isn't it. But
in any case, they also say this

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that it's still a trend because they're
taking many. I mean, for example,

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Wyoming, South Dakota is next,
Texas, Delaware, Minnesota. The

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states with the most stable car balances, they haven't gone up or down.

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Rhode Island, Missouri, Utah,
Montana, Connecticut. Where's Colorado? Colorado?

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As far as increasing car loans,
is it in the top ten?

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Yes, in the top ten.
Florida is right after that, and then

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Alaska. Now Alaska interestingly has the
highest. Now this one you can rank,

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and this one would be accurate because
no matter how you look at it,

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Alaska has the highest monthly car payments. Texas has the next highest payments,

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California has the next highest payments,
and then Florida. I don't get

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any of that. Colorado ranks number
seven, No excuse me, ranks eleventh,

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I'm sorry, eleventh in the country
for highest car payments. Let's go

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to the phones and anything you want
to talk about, give us a call.

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But I find that very interesting people. I would say ninety percent of

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the people buy cars with loans.
A lot of people like paying cash.

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What do you do do you pay
or do you get a loan? And

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it depends I think on the cost
of money for a lot of that.

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And I mentioned this before for the
first time in my life. I mean,

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I haven't actually done it yet,
but I may consider leasing a car

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because I put so little miles on
it. And so really, if you

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think about it, leasing is very
efficient because you're not paying for the car

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you're not going to use. You're
only paying for the part of the car

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you're using, which is the use
of the car, the depreciation of the

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car. And then you don't have
to struggle to sell it at the end

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to get your money back, whereas
when you buy a car, you're buying

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all of it, you're using some
of it, and then trying to get

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your money back. Now, if
you're in a good equity position, that

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would not be that bad. But
let's talk to Aaron who has a tax

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question. I have my expert on, Michael plantinga from Larsen tax relief.

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Aaron, what was your question?
I think you came up yesterday. We

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had our attorney on you said you
used TurboTax. Oh it was this the

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TurboTax one, No, Aaron?
Was it? Yeah? So as a

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turblet test one that deleted all the
files and I heard your comments yesterday about

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pigs flying, but it happened.
But by the way, Aaron, honest

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to goodness, Aaron, everywhere I
look. But let's let's take the question

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for Michael first. Michael, bottom
line, Aaron lost a lot of data

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files from the past, not just
his return, but his support documents,

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depreciation schedules and what else, my
Aaron, not just the PDA for the

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go ahead. Yeah, basically all
that stuff and I, you know,

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sent into the tax department before.
Now. Now when you say all that

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stuff, you're talking about depreciation schedule, what else's schedules? You know,

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basically the whole lot the whatever was
included. Did you have ten ninety nine

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stored in your data file? It
probably would have been there, some ten

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ninety nine there, and then the
different schedules for business Okay, not just

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the first two, not just the
two pages of the ten forty right right,

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exactly. Yeah, Michael, here
was his immediate question. He lost

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his PDFs, He lost his files. If he goes to the IRS to

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download a transcript, does he get
all that. You can order tax return

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transcripts TOM for the past three years, and you can order waiting income transcripts,

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which contained ten ninety nine and W
two information going back eight years.

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What about the appreciation? What about
the schedules? The schedules, those are

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not anything that can be ordered from
the IRS and sent to a taxpayer.

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Unfortunately, wait, wait, but
you do submit them? Do you submit

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them? Oh? No, you
don't, do you Those are not filed

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with the Social Security Administration, So
they're not a handy. I mean,

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iimmy with the IRS. With the
IRS, now, okay, Michael,

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next question. Then he ordered whatever
he could get. He put in a

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request for with the IRS and November
and paid for it. Is that right

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on the November? It was an
August August mailed in the Yeah, mailed

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in the full? Uh that the
I don't remember the exact number of you

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know, I wrote them a check
for the forty five bucks per return and

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I still have not seen anything from
them. So just to confirm, Aaron

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ordered a tax return transcript. Yes, the full one, not the one

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from online. I can get that
one, but the actual full one.

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What would be the difference, Michael, That's what we're wondering. What's the

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difference from the full transcript that he
orders and pays for or the free one

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that he downloads. What's the difference
as far than the free one and the

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one that he orders is one and
the same. Just you can only go

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back three years. I don't know
if he's trying to go back farther than

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three years ago. See, that's
what I don't understand either. Though.

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You seem to think, Aaron,
you're going to get more information from the

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paid one. And yeah, michaelas
yeah, that's what it kind of led

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to believe by reading the stuff online. But you know I might be wrong.

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Well, Larsen Tax Relief orders more
transcripts than anybody I know. So

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Michael, what's the story. Do
you get more on the down more on

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the hard copy or the download?
Well, they're one and the same when

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it comes to a tax return transcript
for a Form ten forty tom. But

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again, you can only go back
three years, so I don't know if

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he's trying to go back farther.
And perhaps that's the fee that he paid

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for no just two thousand and twenty
onwards. Well, Aaron, you spent

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that money for nothing. You might
want to try to get it back because

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what Michael Plantenga is telling us that
Larson Tax Relief is that you can go

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online and get the same thing today. Yeah, well I did download the

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online version and that's Can I ask
something? Are you trying to get your

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depreciation schedule because you want to pick
up where you left off and you want

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to make sure you're consistent basically,
Yes. Now I have another question for

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Michael. Michael, this is neither
here nor there, and I'm sure Aaron's

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tired of hearing about it. But
when you did, are you familiar with

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turbo tax at all? Michael?
Yeah, I use it personally. Okay,

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listen, good when you do your
TurboTax, not online though he has

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the TurboTax that he downloaded to his
computer. Okay, And when he uses

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TurboTax, it creates a PDF file
at the end, so then he has

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a PDF of his complete return.
He said, when he took an update

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for TurboTax, it literally, well
he thinks it did. It erased all

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of his past PDFs. In fact, he has some PDFs on an external

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hard drive, and he said it
went into that external hard drive and erased

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him as well. Now, Michael, like I said, Aaron didn't call

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that to hear he's wrong, but
and maybe you feel he's not have you

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ever heard of such a thing.
How. I don't know how an update

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could erase exterior or external files,
but anyway, I've never heard of that

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before. But if there's an issue, they do have a help death that

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he could reach out and see if
they could take up those old PDFs and

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email them. Well he doesn't have
them online though. That he never did

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it online is there was no online
component. It was all local, got

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it you? You know? So
it really sucks. But somehow in his

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update go ahead erin. So.
Yeah, so I actually downloader program that's

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supposed to find deleted files on your
computer, and I ran that program and

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it actually found all the PDFs that
were deleted. The only problem is it

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turned them into three thousand pages.
Some pages have like two lines on it,

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some have three, some have a
couple of figures. So I got

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all the files, but there's no
way to reassemble them. Yeah, that

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tells me. That tells me that
it was deleted. What you did was

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you got a recovery program for deleted
files. And the way a computer works,

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what a lot of people don't understand
is when you delete a file,

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it doesn't literally go in and remove
it from your hard drive. It removes

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the access to those files, and
then it becomes a rewriteable space. So

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if you deleted something recently, there's
a good chance of recovering it. The

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longer it stays, the more pieces
of it get overwritten. And by the

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way, if you looked at a
hard drive, we all think of files

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as being neatly enfolders and under file
names, and they're not. Files are

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all over your hard drive. One
file, one file could be in fifty

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different places on that hard drive.
I mean it's random access. Hard drives

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are random access, and they don't
keep things in neat little packages like we

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think. But when you call for
a file, it literally assembles the pieces

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and displays them. So when we
delete them, when we delete them,

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we are deleting the access to those
fragments and now telling our computer that that

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fragmented space is now okay to overwrite, and then it overwrites. Now,

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there is a Department of Defense,
and there are certain shredding files that literally

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get rid of it, not just
not just the reference to it, but

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it gets rid of it. But
most people don't have that. That's why

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you were able to recover the fragments
still left on your hard drive. Now,

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Aaron, there are programs that can
go into those fragments and identify them

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the breadcrumbs, and reassemble them.
Did you know that? Well, I

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guess as possible. But like the
PDF, like I said, there's three

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thousand pages now, so you you
have recovered three thousand PDFs, is what

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you're saying. Yes, separate pdf. I get it. And some of

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them like have one word on two
words, No, I get it,

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But there are there are If you
kept using your computer over and over and

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over, there's more than likely that
you can't recover. But there are other

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recovery programs that go into your hard
drive and reassemble. They don't just find

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the fragments, but they also reassemble
them. I'm sorry this happened to you.

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I am to me. It deleted
from twenty twenty on ones. It

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didn't touch anything from twenty nineteen,
you know, sorry, you know anything

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with nineteen you know, nineteen four
I don't get right yet, twenty fourteen

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or anything like that, but just
anything from twenty and twenty onwards, it

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deletes it almost for it's just and
I have not found one other person it

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has happened to online, not one
other person you said you you read you

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have to give me a link,
because I have not found one other person,

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and I've done a searching. I
went everywhere I could on the internet

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and could find nothing. So if
you find that for men, I please

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send me some links. I need
to find out what you're talking about,

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because and I want anyone listening and
including our noisy YouTube morons they love talking

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about this. Give me some comments. I want to know if you've ever

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heard of such a thing. We
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to list your home with Remax Alliance
three all three nine two zero sixteen twenty

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00:16:18.000 --> 00:16:25.679
two. Hi Tom Martino here,
Welcome to the show. We are having

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00:16:25.840 --> 00:16:30.399
so much fun on and off the
air. Hey, I get an email

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here this is a crazy email.
I kind of like it, but I'm

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going to take my call first.
What is Shay calling about? Shay?

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Yes, Hello, Hi, what's
on your mind today? Well, my

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husband and I we were notified in
the end of well in August of last

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year that our insurance was going to
be going up an astronomical amount. They

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said it was doing. Now,
what kind of insurance is it? Car

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or house? Well, we had
everything together, so it was everything,

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but it was the property insurance for
a home that was going up a huge

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amount. Yeah, by how much. Well, we were paying in the

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00:17:10.960 --> 00:17:17.000
lower threes and it was going up
to sixty two hundred. Oh my gosh,

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yeah, huge difference. Well what
this is happening to a lot of

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people? Yeah, yeah, So
we were shocked, of course by that

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number, and we decided to shop
around see if we could find less,

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and we were did you go to
did you go to? I have to

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mention this because I mentioned it every
week on the Troubleshooter Show several times.

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Did you try Compass Insurance Group?
No, we had It's called one Digital.

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It was the it was a broke
insurance broker, and I think that's

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what Compass is. But compass does
this unbiased look at like twenty five twenty

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six companies? What did you find
when you shop? So we were able

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to obtain lower coverage and so from
who notifying? You know, my husband

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deals with it. But the time
you recall what your do you recall what

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your do you recall who your carrier
was on the three thousand that went to

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six thousand Travelers? Okay, that's
a good company. And who did you

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00:18:22.920 --> 00:18:27.119
You don't know who you switched to. It's all stays, Oh my god,

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00:18:27.200 --> 00:18:30.559
the worst company you could have.
I okay, now now I do

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want to I do want to tell
you something. They're they're a legit company,

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but they suck with customer service.
How much were you able to save

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with them? Well, so here's
the problem. The problem is we ended

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up notifying the broker that we were
able to find cheaper coverage and that we

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wanted to cancel with Travelers, and
they said, well, so it was

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before it renewed. But they said, because it goes through escrow with your

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and is held with your mortgage,
they said they have already sent the check

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which was sixty two hundred dollars out
of ours grow So the sixty two hundred

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dollars went and we ended up.
We told them we've canceled. We need

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you know that money needs to be
reimbursed because it was sent off. If

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you hold on, if you actually
had new coverage in place, even though

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all States sucks, if you had
new coverage in place before the other one

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00:19:27.720 --> 00:19:33.319
laps, you should get one of
that money back right now. Here's the

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00:19:33.400 --> 00:19:37.359
problem. Because it's a big company
and everybody you know, you you don't

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get anywhere with them. They have
been holding our sixty two hundred dollars and

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we travelers will not speak to us
because we obtained insurance through the broker and

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we have been dealing with different people. Well, the broker should help you,

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but but I'm there's something that's not
adding up here. Who is your

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00:19:56.440 --> 00:20:02.759
broker? It's one Digital? It's
well one Digital here here's the problem.

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00:20:03.559 --> 00:20:07.440
All State does not use brokers.
Uh huh, No, no, no,

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how did you get one Digital?
So it was the money was sent

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to travelers, So no, I'm
not asking that. Listen, just just

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00:20:19.000 --> 00:20:23.640
listen to what I'm asking. How
did one Digital find you All State and

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help you with All States? We
we actually did. We obtained it on

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00:20:27.240 --> 00:20:32.599
our own. We didn't use one
Digital for it, because that's why that's

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00:20:32.759 --> 00:20:37.160
why one Digital, that's why one
Digital is not helping you now because you

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00:20:37.319 --> 00:20:45.000
left them in essence right right,
So they have sixty So basically the sixty

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00:20:45.039 --> 00:20:49.000
two has been tied up. We
have been basically my husband has talked to

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this person and that person. We
have all written records for everything that we've

250
00:20:53.079 --> 00:20:56.799
done. It's all been done you
know, through email, so we have

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00:20:56.319 --> 00:21:03.319
the every conversation that's occurred. But
anyway, so now we're not having We

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00:21:03.440 --> 00:21:07.480
have been going back and forth trying
to do everything we can to get the

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sixty two hundred return. They said, oh, a checklist sent here,

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00:21:11.200 --> 00:21:15.880
you know, and hey, will
all State help you? Will your all

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00:21:15.920 --> 00:21:19.200
State agent help you? Of course
not no, no, So well,

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00:21:19.279 --> 00:21:22.720
well who is Let's call up the
all State agent. Let's get they're the

257
00:21:22.759 --> 00:21:27.200
ones that did the policy. Let's
call them up. They actually should have

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00:21:27.599 --> 00:21:30.920
helped you here. Well, what
else do they do? Just get commissioned?

259
00:21:30.960 --> 00:21:34.279
They have some there's something going on
they're supposed to you know what,

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00:21:34.559 --> 00:21:40.480
figure's what I'd like to do first
and foremost you should have gone and I

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00:21:40.559 --> 00:21:41.839
don't want to just rub your nose
in it. But you should have gone

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00:21:41.880 --> 00:21:47.640
to Compass Insurance Group. In my
opinion, there's no broker that has the

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00:21:47.720 --> 00:21:51.680
level of service, but as a
service to you, there's no obligation.

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00:21:51.839 --> 00:21:53.640
Obviously, I want to get them
on the phone to ask them how to

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00:21:53.680 --> 00:21:57.599
handle this. You know, with
all the insurance going up after those hailstorms,

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and even if we didn't have the
hailstorms a year before we had the

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00:22:00.240 --> 00:22:06.359
fires, everything's going up. And
then of course across Colorado, the average

268
00:22:06.559 --> 00:22:08.559
you know, there's ones that go
up way higher, but the average increase

269
00:22:08.599 --> 00:22:14.799
in property taxes is forty two percent. People's mortgage payment that was two thousand,

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00:22:15.079 --> 00:22:18.279
it's going to be like twenty eight
hundred this year come March. I

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00:22:18.279 --> 00:22:22.119
mean, people have no idea the
predicament they're in. Hey, say,

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this is a very important question,
okay, and that is when how much

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00:22:27.960 --> 00:22:34.519
did you save? We ended up
it was like in the low threes,

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00:22:34.759 --> 00:22:40.519
so it was, and it was
actually a slightly higher amount of coverage than

275
00:22:40.559 --> 00:22:45.039
we had with the travelers policy.
So good, we ended up in a

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00:22:45.039 --> 00:22:48.200
better place. I wouldn't have thought
to have All State help us, because

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00:22:48.880 --> 00:22:52.279
you know, they were never involved
in that transaction. So I hold on,

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00:22:52.480 --> 00:22:56.000
We're going to come back to you. I want to get Compass Insurance

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00:22:56.039 --> 00:22:59.279
Group on. I'm Tom Martino three
oho three seven to one to three Talkwaterpros

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00:22:59.319 --> 00:23:03.640
dot net the best drinking water ever
at your kitchen, saying around one thousand

281
00:23:03.680 --> 00:23:08.480
dollars fully installed. Compare that to
eight to ten grand from Plumbers. Water

282
00:23:08.559 --> 00:23:12.880
Pros the best water systems at the
lowest prices. Three all three eighty six

283
00:23:14.000 --> 00:23:22.559
two five five five four Go with
a sure thing Denver's best roofer Excel Roofing

284
00:23:22.680 --> 00:23:29.599
dot com. You don't pay a
cent until you're contenth time for an insurance

285
00:23:29.720 --> 00:23:34.000
check up free no obligation comparison call
Compass Insurance. Paying too much your coverage

286
00:23:34.039 --> 00:23:37.720
at dozens of insurance companies find out
now three all three seven to seven to

287
00:23:37.720 --> 00:23:41.480
one help. You'll think you're his
only customer when you choose Frank durand the

288
00:23:41.519 --> 00:23:47.039
real estate Man dot com to list
your home with Remax Alliance three all three

289
00:23:47.160 --> 00:23:56.240
nine two zero sixteen twenty two.
Hi Tom Martino, You're troubleshooter three oh

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00:23:56.240 --> 00:24:00.240
three seven one three talk three oh
three seven one three a two five five

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00:24:00.279 --> 00:24:03.119
Today's car day, by the way, So any car question. We we

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00:24:03.160 --> 00:24:06.720
got to get to the funds.
We have full lines. So bottom line,

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00:24:06.720 --> 00:24:10.880
we have Brian Burns from Compass Insurance
Group. They do the insurance checkup.

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00:24:10.880 --> 00:24:12.839
By the way, for those listening, if you were in Shay's position,

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00:24:14.319 --> 00:24:18.160
or you're going to be where insurance
is going up almost doubling and you

296
00:24:18.240 --> 00:24:21.640
need to figure something out, they
go out and do a free insurance checkup.

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00:24:21.759 --> 00:24:23.960
Now, they can't promise you the
lowest prices and the best coverage all

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00:24:25.000 --> 00:24:29.759
the time, but we've figured out
about eighty five percent of the time they

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00:24:29.799 --> 00:24:33.519
do get you better coverage at better
prices. But they're honest. They'll tell

300
00:24:33.559 --> 00:24:37.440
you if they can. Now,
Brian Shaye, listen to Shay's story.

301
00:24:37.480 --> 00:24:45.759
I'm gonna I'm gonna sum it up. Shaye was facing a traveler's increase of

302
00:24:45.799 --> 00:24:52.440
about three grand, so she shopped
around and found all State for around three

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00:24:52.519 --> 00:24:55.920
grand for better coverage. She's satisfied, so we'll leave it at that.

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00:24:56.039 --> 00:24:57.000
I don't you know, you know
how I feel about it all State,

305
00:24:57.039 --> 00:25:00.039
But anyway, she got all State, and I don't blame her if she's

306
00:25:00.079 --> 00:25:04.279
saving three grand, if she truly
got better coverage. Good Now, bottom

307
00:25:04.319 --> 00:25:11.720
line, is this right before it
expired? It wasn't expired, it wasn't

308
00:25:11.799 --> 00:25:15.279
lapsed. All state was there right
at the right time. All of that

309
00:25:15.480 --> 00:25:23.279
took place properly. However, her
escrow account for her mortgage sent the renewal

310
00:25:23.400 --> 00:25:32.440
check before it expired. Therefore,
Travelers was paid before it expired, and

311
00:25:32.480 --> 00:25:37.880
they were paid six thousand some odd
dollars. Now, she simply wants her

312
00:25:37.960 --> 00:25:41.599
money back. It's that simple.
Sure, and she is having a tough

313
00:25:41.640 --> 00:25:48.559
time because Travelers won't talk to her
because they said, you didn't buy Travelers

314
00:25:48.599 --> 00:25:53.720
the broker did. No, that
makes no sense at all. Yeah,

315
00:25:53.880 --> 00:25:59.480
No, she is the customer for
Travelers. The agent would be just that

316
00:25:59.720 --> 00:26:03.920
her. She was a broker directly
to them to cancel. Yeah, and

317
00:26:03.960 --> 00:26:06.559
have you ever heard of one?
Have you ever heard of one digital?

318
00:26:07.759 --> 00:26:11.759
I have not? All Right,
Well, these a holes who are insurance

319
00:26:11.799 --> 00:26:15.880
brokers. They won't help her get
her money back. Yeah, that's ridiculous.

320
00:26:15.200 --> 00:26:19.559
I'm happy to help have her.
Give her our number. Offer here

321
00:26:19.880 --> 00:26:25.960
a policy number. We'll call over
there and get this thing canceled. Now,

322
00:26:26.000 --> 00:26:27.519
listen, Shaye, did you just
hear this? They're not even your

323
00:26:27.519 --> 00:26:32.839
company and they're going to help you. That's amazing. Let me specify what

324
00:26:32.960 --> 00:26:37.640
happened here and what's for telling us? Are saying there was a bulk tech

325
00:26:37.880 --> 00:26:45.200
that was issued from r escrow and
sent to travelers and there was no distribution,

326
00:26:45.759 --> 00:26:51.359
so they were saying they couldn't track
it because it wasn't itemized. And

327
00:26:51.799 --> 00:26:55.559
so we're getting the run around because
there was a tech issued. And then

328
00:26:55.599 --> 00:26:59.079
they said, oh, we're issuing
you a refund, Chuck. And there's

329
00:26:59.079 --> 00:27:02.559
been two times now they've told us
that there has been a check issued,

330
00:27:03.000 --> 00:27:08.039
a bulk check which included our funds, but there was no itemized statement that

331
00:27:08.079 --> 00:27:12.279
went and so it wasn't allocated,
and so everybody is saying that they can't

332
00:27:12.759 --> 00:27:15.759
figure out where the funds are.
Okay, no, I get that,

333
00:27:15.920 --> 00:27:19.920
Shay. What they're saying is your
mortgage company sent more than your premium.

334
00:27:19.960 --> 00:27:23.640
They sent a bunch of premiums,
but your mortgage company should sure as hell

335
00:27:23.720 --> 00:27:30.160
have a record of what they sent, for God's sakes, exactly. Now,

336
00:27:30.680 --> 00:27:36.839
who's your mortgage company you're s grow
the servicing company. I think it's

337
00:27:36.880 --> 00:27:41.960
Selects Portfolio. But I know we
had one transition, and but I believe

338
00:27:41.960 --> 00:27:44.440
that's what it is. My husband
is typically the one that deals with this,

339
00:27:44.640 --> 00:27:48.200
but I he's been getting the run
around, and I my dad suggested

340
00:27:48.279 --> 00:27:52.559
he's I called Tom Martino because at
this point it's been you know, the

341
00:27:52.640 --> 00:27:56.519
end of August that we've being I
know why, because your dad is old

342
00:27:56.599 --> 00:28:02.920
and wise, and he said,
he's definitely you need to call someone wise.

343
00:28:03.839 --> 00:28:07.640
And so listen, here's what we're
going to do. I want Brian

344
00:28:07.799 --> 00:28:11.119
is gonna as a courtesy. Just
look into it. But even with a

345
00:28:11.160 --> 00:28:15.839
bulk check, they're crazy if they
say they don't know what policies they're for.

346
00:28:15.119 --> 00:28:18.240
Of course they do, Otherwise they
would laps you. I mean,

347
00:28:18.279 --> 00:28:23.039
when it comes time to renewal,
they know what damn policies were paid and

348
00:28:23.079 --> 00:28:29.359
what policies were not. It may
have been done as a bulk check transfer

349
00:28:29.519 --> 00:28:36.000
or ach. I'll grant them that. However, somewhere there was an adjunct

350
00:28:36.319 --> 00:28:42.279
There was an adjacent file showing what
the payments were for. Otherwise your damn

351
00:28:44.039 --> 00:28:52.119
company could never travelers could have never
applied the premiums to the proper policies.

352
00:28:52.480 --> 00:28:59.160
They are absolutely either lying or exaggerating
that to say, well, we don't

353
00:28:59.160 --> 00:29:02.920
know what policies they go to I
would have said, well, then how

354
00:29:02.920 --> 00:29:07.559
do you know which policies lapse?
I mean, how would you know they're

355
00:29:07.640 --> 00:29:11.920
full of crap? Brian c.
You can speak up insurance, so when

356
00:29:11.920 --> 00:29:15.440
they spit a crap, it doesn't
sound like it's not like they didn't cancel

357
00:29:15.480 --> 00:29:18.079
the policy. It sounds like the
policy is canceled. It's now just like,

358
00:29:18.359 --> 00:29:22.279
well, we don't know if it's
canceled. Shade. Did they renew

359
00:29:22.279 --> 00:29:26.079
your policy with Travelers? Do you
have two policies? No, it was

360
00:29:26.119 --> 00:29:32.599
not renewed. We provided the cancelation
in writing via email and it was confirmed

361
00:29:32.759 --> 00:29:37.240
received. So there should be no
issue with it being canceled and it being

362
00:29:37.279 --> 00:29:41.640
done with sufficient time before the date
of the lab Okay, all right,

363
00:29:41.799 --> 00:29:45.400
hold on and we'll get you through
three oh three seven one three talk seven

364
00:29:45.440 --> 00:29:48.279
one three eight two five five.
By the way, your insurance check up

365
00:29:48.359 --> 00:29:52.279
at Compass three oh three nine ninety
six nine thousand and one. Other thing.

366
00:29:52.400 --> 00:29:56.519
If you want a check up on
your house and what it will sell

367
00:29:56.599 --> 00:30:00.559
for, call Frank Duran. He's
not going to try to hustle you into

368
00:30:00.640 --> 00:30:04.960
a into a listing agreement. No, no, he wants to know about

369
00:30:04.960 --> 00:30:07.319
the market. So if you want
to know what your house will self or

370
00:30:07.319 --> 00:30:11.079
he'll do it free of charge.
Maybe someday if you do list it,

371
00:30:11.240 --> 00:30:15.200
you'll think of them, but no
obligation. He'll do a complete analysis of

372
00:30:15.240 --> 00:30:18.799
what you will make on that house
based on all the current factors. Frank

373
00:30:18.839 --> 00:30:22.799
Duran, the Realestateman dot com three
oh three nine two zero sixteen twenty two.

374
00:30:26.880 --> 00:30:30.920
Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You

375
00:30:30.960 --> 00:30:37.079
don't pay a cent until you're content
than time for an insurance check up free,

376
00:30:37.079 --> 00:30:42.119
no obligation. Comparison call Compass Insurance
paying too much your coverage at dozens

377
00:30:42.160 --> 00:30:45.839
of insurance companies find out now three
o three seven to seven to one help.

378
00:30:47.000 --> 00:30:49.559
You'll think you're his only customer when
you choose Frank Durand the real estate

379
00:30:49.599 --> 00:30:55.039
Man dot com to list your home
with Remax Alliance three oh three nine two

380
00:30:55.119 --> 00:31:10.079
zero sixteen twenty two. I can't
text you for my stupid jud Hi am

381
00:31:10.119 --> 00:31:17.319
I on Hello? Is this thing
working? Hello? Unfortunately we can hear

382
00:31:17.359 --> 00:31:21.039
you. Would you would you clip
that out for me? Please? Shannon.

383
00:31:22.880 --> 00:31:26.359
By the way I deal home loans
my computer, Ideal home loans is

384
00:31:26.680 --> 00:31:30.200
still making loans, and this is
really important. They have the interest rate

385
00:31:30.240 --> 00:31:34.079
guarantee and right now we need it. If rates go down, they refinance.

386
00:31:34.119 --> 00:31:37.839
You're free of charge. Three h
three eight six seven, seven thousand

387
00:31:37.880 --> 00:31:40.119
Ideal Home loans dot Com. Let
me go to the phones in Jessica,

388
00:31:40.759 --> 00:31:47.240
Jessica, what's going on with you? Hello? Hi, Jessica, Hi,

389
00:31:47.440 --> 00:31:55.839
come on. Okay, wow,
So my mom is getting sick and

390
00:31:55.920 --> 00:32:00.759
I've been her caregiver. How old
is your mom? Seventy eight? And

391
00:32:01.279 --> 00:32:07.839
what is her illness? She has
neuropathy, she's in a wheelchair. Does

392
00:32:07.880 --> 00:32:13.720
she have type two? Does she
have type two at diabetes? She hasn't

393
00:32:13.720 --> 00:32:17.799
been diagnosed with that. No,
okay, but she's not mobile at all

394
00:32:17.880 --> 00:32:22.160
and she's just getting worse. Does
she have a good doctor, I mean,

395
00:32:22.519 --> 00:32:27.559
does she have a doctor? Yes, she does. She has hospice

396
00:32:27.599 --> 00:32:30.279
now at the house, so we
have to meet from hospice, and then

397
00:32:30.279 --> 00:32:35.279
we have nurses that come to the
house. WHOA, So is she dying?

398
00:32:37.279 --> 00:32:40.720
Well, she's she's not getting better. And I know that eventually she's

399
00:32:40.759 --> 00:32:45.200
going to have to have full time
care and she's going to need to be

400
00:32:45.240 --> 00:32:49.160
in a facility. No, okay, Jessica, we'll answer that question for

401
00:32:49.240 --> 00:32:52.000
sure. We'll talk about that for
sure. Go ahead. What's going on

402
00:32:52.079 --> 00:32:58.119
with her, Well, so we're
just I've been taking care of her.

403
00:32:58.240 --> 00:33:00.319
I know she's going to be needing
to go to Facilla soon, but we've

404
00:33:00.319 --> 00:33:07.759
been prolonging her care because we know
that it's gonna She's only on Medicare,

405
00:33:07.839 --> 00:33:12.960
she doesn't qualify for Medicaid, so
she has investments, and she owns a

406
00:33:13.039 --> 00:33:16.480
house, and so we're just worried
that once she has to have full time

407
00:33:16.559 --> 00:33:21.839
care in the facility, we're worried
that she's going to lose her house.

408
00:33:22.119 --> 00:33:25.160
She's going to lose all of her
investments. They'll keep her, They'll keep

409
00:33:25.160 --> 00:33:29.400
her in the house. Now wait
a second here, Jessica. That's a

410
00:33:29.480 --> 00:33:32.000
possibility, but there are other things
that can be done. But I need

411
00:33:32.000 --> 00:33:35.720
to know a few things about her, and we're going to run out of

412
00:33:35.720 --> 00:33:39.079
time, so I'm going to get
one of the people from Integra on Integra

413
00:33:39.160 --> 00:33:44.680
Insurance, they're pretty smart about this. I'd also like to get I'd also

414
00:33:44.799 --> 00:33:50.240
like to get Dan McKenzie on or
Kielan Park either one. This is a

415
00:33:50.319 --> 00:33:54.200
serious issue and I'd like to I'd
like to get you the experts. Since

416
00:33:54.200 --> 00:33:59.119
you took the time to call to
get you the right time, wouldn't you

417
00:33:59.160 --> 00:34:01.799
agree in jen roll long as the
mother's in the house, I've never heard

418
00:34:01.839 --> 00:34:06.119
of the government coming in and kicking
her out of the house. Now,

419
00:34:06.160 --> 00:34:09.199
No, no, that's not go
with a sure thing Denver's Best roofer Excel

420
00:34:09.280 --> 00:34:16.079
Roofing dot com. You don't pay
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421
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an insurance check up free, no
obligation comparison call Compass Insurance paying too much

422
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your coverage at dozens of insurance companies
find out now three oh three seven seven

423
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to one help. You'll think you're
his only customer when you choose Frank durand

424
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the real estate Man dot com to
list your home with Remax Alliance three oh

425
00:34:34.960 --> 00:34:46.360
three nine two zero sixteen twenty two
Ripped News. You need that who you

426
00:34:46.519 --> 00:34:54.719
don't have? Run anxious ass as
you can. Shooter's gonna help. Come

427
00:34:55.360 --> 00:35:02.880
man, This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino,

428
00:35:04.000 --> 00:35:07.159
your troubleshooter. Welcome to the show. Three O three seven to one

429
00:35:07.239 --> 00:35:10.559
three talk seven one three eight two
five to five. This hour brought to

430
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you by one Clear Choice Garage Doors
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432
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433
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they do any part of the door. They are actually fact re endorsed

434
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435
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438
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439
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one Clear Choice Stores dot Com.
I've been using them for years. Now

440
00:35:50.000 --> 00:35:55.079
back to the phones and we have
we're getting our experts on for Jessica and

441
00:35:55.159 --> 00:35:59.639
her mom's finances. Right now,
we'll go to Bob. Bob, you

442
00:35:59.800 --> 00:36:02.400
have an issue with the United States
Postal Service. Bob, this is a

443
00:36:02.480 --> 00:36:06.920
follow up. When did you call
originally? Hey, Tom, good morning,

444
00:36:07.039 --> 00:36:12.480
thanks for packing hakel as Marie a
month ago. Yeah, and what

445
00:36:12.679 --> 00:36:19.880
was the issue, Bob? Missing
parcel the Yeah, local Brian explain the

446
00:36:19.960 --> 00:36:27.360
situation. I'm looking for your original
call here go ahead. So let's see

447
00:36:27.880 --> 00:36:37.400
my out of state private individual was
getting older and was downsizing house and put

448
00:36:37.480 --> 00:36:42.920
about five or half a dozen maybe
personal items in a cardboard box and site.

449
00:36:45.960 --> 00:36:50.559
There's no receipt, no photo taken, no appraisal. It's not and

450
00:36:50.679 --> 00:36:53.599
this was done okay. The bulk
of packages going from point A to point

451
00:36:53.679 --> 00:36:59.920
B all right through a business like
Amazon or Amazon Prime or eBay or whatever.

452
00:37:00.719 --> 00:37:05.719
This is just two individuals and the
only business involved is United States Postal

453
00:37:05.880 --> 00:37:08.079
Service. No, I get it. And you never got the You never

454
00:37:08.159 --> 00:37:12.920
got the package or the intended recipient. Who was the recipient? You me,

455
00:37:14.960 --> 00:37:17.639
okay, I'm the recipient. This
thing, it's all done and over

456
00:37:17.719 --> 00:37:22.320
though. This is Robert right,
yes, sir, Yeah. So the

457
00:37:22.480 --> 00:37:28.039
denial it basically says there was no
barcode scans or proof to verify the method

458
00:37:28.119 --> 00:37:30.639
of mailing. So they denied it. But your main problem is you only

459
00:37:30.679 --> 00:37:35.679
had thirty days from December seventh to
appeal it. So, I mean,

460
00:37:35.760 --> 00:37:40.519
this thing is so in the rear
view mirror. Man. Well, I

461
00:37:40.599 --> 00:37:45.679
go to the branch and ask to
speak to somebody above the job level of

462
00:37:45.840 --> 00:37:52.599
the average clerk. They say that
that's that time restriction should not be a

463
00:37:52.719 --> 00:37:57.800
Bob. Let me ask you something, Bob, Bob, Bob, I

464
00:37:57.880 --> 00:38:00.840
want to talk about it. Bob
tried to get a Bob possessions just a

465
00:38:00.920 --> 00:38:06.920
super formally job. I love Bob. Okay, hang on one second,

466
00:38:07.199 --> 00:38:08.880
let's get right to the essence.
Okay, let's get right to it.

467
00:38:09.760 --> 00:38:15.599
I doubt that anyone at the postal
service did this intentionally, and I doubt

468
00:38:15.679 --> 00:38:20.840
that there's a there's a solution.
If you can't find the package, the

469
00:38:20.920 --> 00:38:24.360
package is gone. Let's assume the
package is gone, You're never going to

470
00:38:24.400 --> 00:38:28.840
get it. What do you want? I really need to ask that.

471
00:38:29.079 --> 00:38:36.039
What what is your intention? Now? Well, my sender provided me with

472
00:38:36.159 --> 00:38:46.039
the original receipt, which says courtesy
insurance. We are that promise to So

473
00:38:46.239 --> 00:38:51.880
is that what you want? Now? I guess okay, because that's really

474
00:38:51.960 --> 00:38:53.679
all you're going to get, if
anything. So, right now, you're

475
00:38:53.719 --> 00:39:00.480
saying, because you had one of
insurance, you want the ins insurance at

476
00:39:00.559 --> 00:39:06.199
least right? Correct? Okay?
Now are they refusing to give you that

477
00:39:06.360 --> 00:39:10.880
because they don't acknowledge it was mailed? I know it sounds half crazy.

478
00:39:12.119 --> 00:39:15.920
Well, the it seems like the
original receipt is a proof that it was

479
00:39:16.039 --> 00:39:20.320
mailed? In my opinion, it
is Mark. You have that receipt?

480
00:39:20.400 --> 00:39:27.000
Right? Did he email it to
you too? I did? Yeah.

481
00:39:27.159 --> 00:39:32.079
It seems to me what you're saying
makes sense. So yeah, what are

482
00:39:32.119 --> 00:39:37.320
they saying about it? Are they
saying, no, you didn't mail it?

483
00:39:37.559 --> 00:39:38.880
I mean, what do they say? I'll tell you exactly what it

484
00:39:38.920 --> 00:39:43.800
says, but I don't understand what
it means. This letter is in response

485
00:39:43.880 --> 00:39:47.760
to the insurance claim referenced above.
Based on our initial review, your claim

486
00:39:47.800 --> 00:39:54.239
has been denied because we have no
barcode scans or proof to verify the method

487
00:39:54.320 --> 00:40:00.199
of mailing. So they're saying we
can't prove it was even mailed. Really,

488
00:40:00.719 --> 00:40:06.159
isn't that what they're saying. That's
how I take it. And it

489
00:40:06.239 --> 00:40:09.360
says if you wish to appeal,
and but you're it's too late to appeal

490
00:40:09.480 --> 00:40:15.360
now, right this was said?
It says thirty days from December seventh.

491
00:40:16.320 --> 00:40:20.840
But other than the receipt, what
other proof could he possibly provide them?

492
00:40:22.280 --> 00:40:24.679
That's what I don't know. And
is this the receipt of mailing that you

493
00:40:24.840 --> 00:40:31.639
sent us? The one that says
and really though it says domestic no where's

494
00:40:31.719 --> 00:40:35.840
your proof. I don't see a
receipt for mailing where you didn't send it

495
00:40:35.920 --> 00:40:42.920
to us? Where is it?
There's a conditional page to the with that

496
00:40:43.079 --> 00:40:45.519
bar code on it. Yeah,
but see that's what I'm saying. I

497
00:40:45.599 --> 00:40:50.519
can't even read the receipt, can
you? No? But I imagine that

498
00:40:50.639 --> 00:40:52.559
they could. I mean, it's
their receipt, for goodness sakes. I

499
00:40:52.639 --> 00:40:57.599
mean there's a bar when I put
in this tracking number that's handwritten on here.

500
00:40:57.719 --> 00:41:00.320
I mean, there's nothing. It
doesn't. It just says something went

501
00:41:00.400 --> 00:41:06.440
wrong. So I'm trying to see
that bar code to see if I can.

502
00:41:07.599 --> 00:41:10.079
My bar code does not. It
does not capture. Then, so

503
00:41:10.960 --> 00:41:15.840
he already tried that, did you? The barcode on the original receipt is

504
00:41:15.880 --> 00:41:20.599
simply for the sender to fill out
a survey of how they were treating Oh

505
00:41:20.840 --> 00:41:24.719
never mind? Okay, But but
as Kevin said, what more do they

506
00:41:24.840 --> 00:41:29.800
want than the original receipt? What
did they say? Did you say I

507
00:41:29.960 --> 00:41:36.320
gave you the receipt? That's proof? I believe? I mean to me,

508
00:41:36.440 --> 00:41:40.599
I don't blame you for being upset. I mean it sucks. I'm

509
00:41:40.599 --> 00:41:47.000
saying I don't have a receipt.
For the for the for the collection for

510
00:41:47.159 --> 00:41:52.760
the collector like items with which were
the contents of the parcel. Oh,

511
00:41:53.000 --> 00:41:57.559
they're saying, we're not going to
give you anything because you haven't proved that

512
00:41:57.719 --> 00:42:01.719
your stuff was worth a hundred bucks. Yeah, okay. Oh so even

513
00:42:01.760 --> 00:42:08.360
though there's okay, so go get
a receipt for something or or what did

514
00:42:08.440 --> 00:42:14.239
she send you? By the way, Nick knacks the original receipt as a

515
00:42:14.280 --> 00:42:19.440
result of the transaction on the twentieth
of October. Now, what did she

516
00:42:19.599 --> 00:42:22.960
send you? What did she send? What did she actually send you?

517
00:42:23.079 --> 00:42:30.480
What was in it? Oh?
On the items? Well it was well,

518
00:42:30.599 --> 00:42:37.800
there was a sort of a politically
uncorrect book titled by Glenn Back and

519
00:42:38.239 --> 00:42:44.440
some things that were run arow like
Nick knacks Man, Well, it's probably

520
00:42:44.559 --> 00:42:47.079
so, to be honest with you, they're not worth one hundred dollars.

521
00:42:49.280 --> 00:42:52.320
Well, regardless of what you should
have done, it's too late. Now

522
00:42:52.440 --> 00:42:55.559
you should have just sent a receipt
from Walmart prior to that date or anything.

523
00:42:55.599 --> 00:43:00.320
Who cares. But what I'm saying
is, you know, obviously you

524
00:43:00.400 --> 00:43:02.519
didn't lose a hundred bucks. Bro. I mean, I feel bad for

525
00:43:02.679 --> 00:43:07.559
you, but you didn't lose a
hundred bucks. I mean, look at

526
00:43:07.960 --> 00:43:13.079
what I'm asking you, Bob,
is you didn't get this package. I

527
00:43:13.239 --> 00:43:15.440
get it, but you didn't lose
anything. I mean you lost a book

528
00:43:15.480 --> 00:43:22.360
and some other stuff. I mean, what, what's were these sentimental?

529
00:43:22.400 --> 00:43:25.679
I mean, what's the big deal
on this? I think they had sentimental

530
00:43:25.760 --> 00:43:30.599
value. Yeah, okay, there's
not much you can do about that.

531
00:43:30.719 --> 00:43:32.880
You know something, No, man, it is not like our post office

532
00:43:32.920 --> 00:43:38.000
to wear a month two, three
months later a package shows up. No,

533
00:43:38.480 --> 00:43:43.480
you mean it could happen. Well, it happened to me. The

534
00:43:43.719 --> 00:43:47.320
cluster box is shared by about twelve
people, and their equipment says it was

535
00:43:49.079 --> 00:43:57.039
left. And one so called manager
at the branch of USPS even told me

536
00:43:57.199 --> 00:44:00.719
verbally. He didn't put it in
writing, but the regular carrier was off

537
00:44:00.800 --> 00:44:06.159
the day this package was delivered.
The person filling in for him. Yeah,

538
00:44:06.239 --> 00:44:08.920
I know, you know what,
Bob, Like I said, But

539
00:44:09.119 --> 00:44:14.239
even with all of that, there
is a limited liability, and it's that

540
00:44:14.400 --> 00:44:17.199
courtesy insurance is only for actual losses. By the way, I want to

541
00:44:17.199 --> 00:44:22.840
take this comment from Fernando on the
turbo tax issue before we take a break.

542
00:44:22.400 --> 00:44:31.599
Fernando is weighing in on a problem
where a guy claiming no. Where

543
00:44:31.639 --> 00:44:37.039
I wanted to try and do was
clear up your caller with the forty five

544
00:44:37.119 --> 00:44:40.079
dollars fee to get his copy of
his taxes. Okay, go ahead,

545
00:44:40.079 --> 00:44:45.119
Fernando. Sorry, okay, Well, there's two forms you can fill out

546
00:44:45.239 --> 00:44:50.320
for your personal tax information. One
of them is a forty five H six

547
00:44:50.559 --> 00:44:54.719
key which stands for transcript, and
the other one is a forty five six

548
00:44:55.840 --> 00:45:02.159
without the key. He must have
filled out the forty five six without the

549
00:45:02.360 --> 00:45:08.400
tea because that's the one that they
charge, because he's actually asking for a

550
00:45:08.639 --> 00:45:16.039
certified copy of what he sent into
the IRS. The transcript forty five six

551
00:45:16.239 --> 00:45:22.079
t like, it's this, it's
a transcript, it's a computerized print out,

552
00:45:22.760 --> 00:45:28.039
and it's free. Oh yes,
hey, Fernando, Fernando. Another,

553
00:45:28.360 --> 00:45:31.920
here's an important question, the one
that he requested. If it was

554
00:45:32.039 --> 00:45:37.440
without the tea and it's an actual
certified copy, would that include the other

555
00:45:37.519 --> 00:45:44.800
schedules? As far as I know, it includes everything that he submitted.

556
00:45:44.920 --> 00:45:49.920
They actually go to the box,
pull out his return and send them whatever

557
00:45:50.079 --> 00:45:52.480
he's sent in. Okay, Well, that's good news for him because he'll

558
00:45:52.519 --> 00:45:58.320
get a lot of that stuff that
he wanted now, Fernando, how do

559
00:45:58.400 --> 00:46:01.480
you know this? By the way, I've dealt with this issue. But

560
00:46:02.280 --> 00:46:07.519
I think the reason they charge is
because someone actually has to go out to

561
00:46:07.639 --> 00:46:10.639
the warehouse. No, I get
it. Yeah, and get his bands

562
00:46:10.679 --> 00:46:15.280
good. What's a little more labor? Thank you very much, Fernando.

563
00:46:15.400 --> 00:46:22.599
I'm Tom Martino. More coming up. Go with a sure thing Denver's best

564
00:46:22.679 --> 00:46:25.719
rufer Excel Roofing dot com. You
don't pay a cent until you're content.

565
00:46:30.119 --> 00:46:32.599
Time for an insurance check up free, no obligation. In comparison, call

566
00:46:32.760 --> 00:46:37.679
Compass Insurance paying too much your coverage
at dozens of insurance companies find out now

567
00:46:37.800 --> 00:46:42.039
three oh three seven to seven to
one help. You'll think you're his only

568
00:46:42.159 --> 00:46:45.960
customer when you choose Frank Durand the
real estate Man dot com to list your

569
00:46:45.039 --> 00:46:54.280
home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi

570
00:46:54.480 --> 00:47:00.360
Tom Martino here three oh three seven
one three talk three seven one three eight

571
00:47:00.440 --> 00:47:05.960
two five five Dan Mackenzie, I
want to go back. I want to

572
00:47:05.960 --> 00:47:12.280
go to our expert. He's with
Mackenzie Law firm Coeoplans dot Co. And

573
00:47:12.400 --> 00:47:14.960
I want to ask something, Dan. I know you get this inquiry a

574
00:47:15.039 --> 00:47:21.639
lot. Jessica's mom is very sick. She's seventy eight, in a wheelchair

575
00:47:21.679 --> 00:47:25.840
at home, currently getting hospice.
She fears she may need some full time

576
00:47:25.960 --> 00:47:30.880
care at a facility. And she
has some assets. Now, Jessica,

577
00:47:32.360 --> 00:47:36.760
explain the assets. What are we
talking about? Is there equity in a

578
00:47:36.840 --> 00:47:43.760
home? In her home? And
how much equity? How much equity?

579
00:47:44.880 --> 00:47:49.519
I don't know exactly, I don't
know. Okay, Well I'll tell you

580
00:47:49.639 --> 00:47:55.760
that is it? Is it a
big, beautiful home. Now, she

581
00:47:55.920 --> 00:48:00.559
probably would have about at least two
hundred thousand that quick, okay, Okay.

582
00:48:00.719 --> 00:48:07.159
Now what about what other assets?
Does she have any cash? She

583
00:48:07.360 --> 00:48:13.079
has it all in stocks? About
what is their stock portfolio worth? I

584
00:48:13.159 --> 00:48:17.360
don't I don't know that either,
but it's okay, it's it's pretty probably

585
00:48:17.400 --> 00:48:22.519
about eighty thousand, Okay, Now
here's the deal. Is that all she

586
00:48:22.679 --> 00:48:30.280
has? Yeah? Pretty much?
Yes? Okay? Now, Dan,

587
00:48:30.480 --> 00:48:35.440
what happens if someone has to go
into a facility they get medicare? Do

588
00:48:35.599 --> 00:48:37.960
they have to spend down their money
before they get medicaid? How does that

589
00:48:38.119 --> 00:48:43.719
work? Yeah? Medicare is only
there's there's a limit how much time they'll

590
00:48:43.760 --> 00:48:49.320
cover anything. Actually, not for
like long term care, there ares protection,

591
00:48:49.599 --> 00:48:52.880
so you would go to Medicaid after
you've hit that time, and it's

592
00:48:52.000 --> 00:48:55.800
pretty short. So if we're talking
about an extended stay in some sort of

593
00:48:55.920 --> 00:49:02.360
nursing facility, you would be looking
at medicaid and medicaid famously. You know,

594
00:49:02.519 --> 00:49:06.840
yes, they want you to spend
down your assets first and pay for

595
00:49:06.920 --> 00:49:09.800
your own care first before they kick
in. And the threshold for someone who

596
00:49:10.320 --> 00:49:15.440
is not married is to two thousand
bucks and not not much. There are

597
00:49:15.559 --> 00:49:19.920
some protections in place for a house
if the person intends to go back there,

598
00:49:20.039 --> 00:49:22.400
So I don't know if that could
be something, and you know,

599
00:49:22.679 --> 00:49:28.039
no one knows. It's what does
the person intend? So there is what's

600
00:49:28.119 --> 00:49:31.960
to prevent dan, what's to prevent
people, what's to prevent people from saying

601
00:49:32.159 --> 00:49:37.239
they do intend to go back?
Yeah, I mean that, like it's

602
00:49:37.280 --> 00:49:39.679
relatively easy to claim and hard to
check, and so a lot of people

603
00:49:39.760 --> 00:49:45.079
do make that statement. But you
know, again, like okay, medicaid

604
00:49:45.199 --> 00:49:47.639
covers this. They're not necessarily going
to force her to sell the home.

605
00:49:47.800 --> 00:49:53.320
But if there's a probate process,
which there probably would be if she passes

606
00:49:53.360 --> 00:49:58.800
away because she has real estate,
then Medicaid might show up and sort of

607
00:49:58.880 --> 00:50:02.119
creditors claim in that repaid for whatever
they covered. I have a question,

608
00:50:02.840 --> 00:50:09.159
could my mom gift the house to
meet my brother Jessica. Everyone asked that,

609
00:50:09.440 --> 00:50:14.440
And let's talk about getting rid of
assets. Dan, just go over

610
00:50:14.519 --> 00:50:16.400
the time limit. There's what's called
a look back. Go ahead, Dan,

611
00:50:16.760 --> 00:50:20.519
Yeah, there's the five year lookback. So what medicaid does when you

612
00:50:20.559 --> 00:50:22.840
submit the application, as they do, look at any transfers that were made

613
00:50:22.880 --> 00:50:27.880
in the last five years for less
than fair market value. So obviously a

614
00:50:27.960 --> 00:50:31.559
gift is way less than fare market
value. It's nothing, and you know,

615
00:50:31.719 --> 00:50:36.679
she's given away two hundred thousand bucks. Effectively, they're going to they're

616
00:50:36.679 --> 00:50:37.960
going to try and figure out,
Okay, how much would that be covered

617
00:50:38.360 --> 00:50:43.800
in long term care if it's ten
thousand dollars a month and we're probably talking,

618
00:50:43.960 --> 00:50:47.119
you know, twenty months and then
and then it might kick in.

619
00:50:47.360 --> 00:50:52.920
So yeah, giving away that's going
a kind of rush. That's why it's

620
00:50:52.039 --> 00:50:55.519
very important for those listening. If
you want to do long term planning and

621
00:50:55.639 --> 00:51:00.320
retirement planning, you have to plan
for a spend down of assets or a

622
00:51:00.480 --> 00:51:07.119
gifting or a transfer prior to five
years. Isn't that right, Dan?

623
00:51:07.960 --> 00:51:14.599
Yeah, yeah, yeah, So
there are there are some things that can

624
00:51:14.639 --> 00:51:19.760
get done. I don't want to
totally discourage you from looking further, because

625
00:51:19.760 --> 00:51:22.800
there are some ways potentially getting stuff. Can you give us a hint on

626
00:51:23.000 --> 00:51:25.840
some of those things that might be
able you might be able to do.

627
00:51:27.639 --> 00:51:30.719
Yeah, there's some. I mean, one of the more common strategies is

628
00:51:30.960 --> 00:51:35.880
like an purchasing potentially like an annuity
that gives you some income. It's got

629
00:51:35.960 --> 00:51:40.039
to have certain it's got to be
a Medicaid compliant annuity. There can be

630
00:51:43.119 --> 00:51:45.960
uh, Like like I said,
there there can be some planning around the

631
00:51:45.000 --> 00:51:49.239
house. There are some special there
are some when they when the main asset

632
00:51:49.320 --> 00:51:52.800
is the house, there are some
potential options for like I say, staying

633
00:51:52.880 --> 00:51:58.079
there and keeping it, keeping Medicaid
out at least during her lifetime. And

634
00:51:58.159 --> 00:52:02.400
there are not necessarily lawyers that help
with Medicaid applications that you could look some

635
00:52:02.480 --> 00:52:06.039
of those up too. So,
Dan, what if, for example,

636
00:52:06.960 --> 00:52:12.000
she sold her stocks in her house
and bought a lumps some annuity and then

637
00:52:12.119 --> 00:52:16.119
had some income. That income would
be counted against her. I don't mean

638
00:52:16.159 --> 00:52:20.559
against her in a bad way,
but it would be, what would medicaid

639
00:52:20.639 --> 00:52:24.320
do with the income she's receiving if
you take both her Social Security income and

640
00:52:24.440 --> 00:52:29.079
her annuity income. Yeah, that's
the thing. It's like the Medicaid compliant

641
00:52:29.079 --> 00:52:32.199
annuity. I think she gets the
income and it doesn't count towards the Medicaid.

642
00:52:32.280 --> 00:52:37.079
But then the reason is Medicaid compliant
is because ultimately the annuity has a

643
00:52:37.159 --> 00:52:40.920
death benefit that does compensate Medicaid for
some of the costs of paid. That's

644
00:52:42.000 --> 00:52:45.440
not a bad idea. I mean, that gives her some income and it

645
00:52:45.599 --> 00:52:51.719
helps her. Now it doesn't help
what might be what Jessica might be worried

646
00:52:51.719 --> 00:52:57.480
about, and that is her brother
and herself as farn as they trust me.

647
00:52:58.639 --> 00:53:01.039
A lot of people have looked at
into this like crazy. It's just

648
00:53:01.159 --> 00:53:05.679
the way it is. You know. Some people would even argue that if

649
00:53:06.039 --> 00:53:09.000
our tax dollars are paying for care, that's not fair. Docs on that.

650
00:53:09.320 --> 00:53:13.360
That's my argument. Yeah, that's
that I as a taxpayer. Yeah,

651
00:53:13.400 --> 00:53:16.159
yeah, but it doesn't matter because
the rules are what the rules are.

652
00:53:16.239 --> 00:53:20.400
I'm not going to play god in
this situation. I looked into it,

653
00:53:20.559 --> 00:53:22.960
and I mean when I looked into
it, hell, I talked to

654
00:53:22.039 --> 00:53:25.760
Mackenzie. Remember I talked to you
for a while about it. The bottom

655
00:53:25.800 --> 00:53:29.599
line is, here's a five year
look back and you're not going to get

656
00:53:29.599 --> 00:53:32.159
around it unless if it's fraudulent.
And then if it's fraudulent, I want

657
00:53:32.159 --> 00:53:36.360
you to understand what happens to your
mother. She gets kicked to the curb

658
00:53:36.719 --> 00:53:39.679
because they if they can't go after
the cash and get the cash back and

659
00:53:39.760 --> 00:53:44.239
it was fraudulent, they will not
pay for her care anymore. Is that

660
00:53:44.360 --> 00:53:49.760
correct, Dan? Right? Yeah, Yeah, fraud is bad. Yeah,

661
00:53:49.880 --> 00:53:57.000
do not commit fraud. But yeah, I've seen I've seen some people

662
00:53:57.440 --> 00:54:02.519
with you know, some out that's
again, there are several organizations out there,

663
00:54:02.559 --> 00:54:06.559
and we would be happy to talk
to you further to see if there's

664
00:54:06.599 --> 00:54:09.320
some emergency planning that could be done. But generally, yeah, I mean

665
00:54:09.400 --> 00:54:15.360
the main mark is right, like
Medicaid is stretched in and doesn't want to

666
00:54:15.400 --> 00:54:21.440
cover you know, what you're effectively
asking them to do is protect your inheritance.

667
00:54:21.480 --> 00:54:23.800
That's not so much, that's exactly
right, That's exactly And again,

668
00:54:23.880 --> 00:54:27.800
Jessica, we're not trying to make
you feel guilty, but that's the way

669
00:54:27.880 --> 00:54:30.880
the government looks at it. Why
should we protect your head. I'm going

670
00:54:30.920 --> 00:54:34.159
to tell you this. If you
talk to Dan McKenzie years ago, before

671
00:54:34.199 --> 00:54:37.840
your mom or dad or for anybody
listening got bad, he would have said,

672
00:54:37.880 --> 00:54:39.800
what you need to do is this? Possibly one of the things is

673
00:54:40.159 --> 00:54:44.159
you know she gives the house to
you at that point. I'm not saying

674
00:54:44.559 --> 00:54:47.039
that there's lots of things to do, but when you're up against that five

675
00:54:47.159 --> 00:54:51.679
year o'clock and they're getting bad,
that's a whole difference, straight Dan,

676
00:54:52.360 --> 00:54:54.679
Dan, gifting may not be a
good idea because of the step up and

677
00:54:54.760 --> 00:55:00.960
basis or correct I don't know,
but Dan question, but a trust could

678
00:55:00.360 --> 00:55:04.320
real, real quick, real quick. Hold hold on, Jesse, We're

679
00:55:04.320 --> 00:55:07.760
real quick. Dan. Does a
trust help if five years ago they did

680
00:55:07.840 --> 00:55:13.239
a trust? Yeah? I mean
that's probably the most popular planning technique is

681
00:55:13.320 --> 00:55:15.559
to use. Is called a Medicaid
asset protection trust. And the reason is

682
00:55:15.639 --> 00:55:20.840
like giving your house to your kids
obviously has some drawbacks too. I mean

683
00:55:20.880 --> 00:55:23.360
they might not you know that they're
going to lose the step up in big

684
00:55:23.440 --> 00:55:28.440
capital gain basis. They might lose
the house if they have a creditor issue

685
00:55:28.480 --> 00:55:30.159
pop up, or get divorced.
Like this is one hundred ways that like

686
00:55:30.239 --> 00:55:32.679
that could be a problem. You
could have a falling out with them.

687
00:55:34.639 --> 00:55:37.320
So a Medicaid asset protection trust gives
you a way to put the house under

688
00:55:37.360 --> 00:55:42.679
somebody get get it out of your
hands, basically, while also maintaining some

689
00:55:42.840 --> 00:55:45.199
semblance of control over it. So
now, Jessica, what was your question?

690
00:55:45.400 --> 00:55:51.599
Go ahead? What if I were
to buy my mom's house and then

691
00:55:51.679 --> 00:55:54.639
it was the house was under my
name? Yeah, yeah, yeah,

692
00:55:54.679 --> 00:55:58.440
well then she care. Yeah,
but the money if you buy your mom's

693
00:55:58.480 --> 00:56:00.880
house, it has to be for
fair mark get value. And then she's

694
00:56:00.960 --> 00:56:06.440
going to have money that she must
spend down. Dan, how do they

695
00:56:06.559 --> 00:56:10.559
look at that money she has?
Yeah, it's it's her money, right,

696
00:56:10.679 --> 00:56:15.000
so yeah, she would expected to
probably money ye on the care Now

697
00:56:15.320 --> 00:56:20.920
what is okay? But but what
if she spends it down? She can

698
00:56:21.039 --> 00:56:24.599
literally buy things, right, Yeah, And there's a lot of things you

699
00:56:24.679 --> 00:56:28.880
can do. Actually, I think
you and I talked about this time,

700
00:56:28.920 --> 00:56:31.960
Like, there's things you can you
can preplay on funeral expenses, there's modifications

701
00:56:32.000 --> 00:56:36.000
you can make without engine She's in
a wheelchair, so you can spend money

702
00:56:36.159 --> 00:56:39.119
on uh, you know, making
the house more accessible to somebody who's not

703
00:56:39.239 --> 00:56:44.920
quite as mobile. There's several expenses
that you can spend down on and like

704
00:56:45.039 --> 00:56:50.360
it actually adds value to the het
the But remember this, Jessica, you

705
00:56:50.639 --> 00:56:54.159
buying it, you really have to
buy it, meaning you have to transfer

706
00:56:54.320 --> 00:57:00.519
money to your mom. So so
even though she's spending down money, she's

707
00:57:00.559 --> 00:57:05.760
spending down your money. And if
you're buying the house for fair market value

708
00:57:06.079 --> 00:57:09.760
and you're not absolutely in love with
the house, why would you bother just

709
00:57:09.880 --> 00:57:15.519
sell it on the open market.
It's exactly the same. The cash asset's

710
00:57:15.559 --> 00:57:19.920
going to be looked at exactly the
same, whether it's your cash or someone

711
00:57:20.000 --> 00:57:23.880
else's cash. The only real way
around it is pretty much fraudulent under most

712
00:57:23.960 --> 00:57:29.280
cases, unless I guess dan she
could take. Let's say she has cash,

713
00:57:29.360 --> 00:57:31.679
she buys a house for half a
million dollars. Mom's got a half

714
00:57:31.719 --> 00:57:36.440
a million dollars, she has a
house. Mom goes to Vegas and plays

715
00:57:36.519 --> 00:57:39.800
roulette for three days and loses everything. I guess that's okay, right,

716
00:57:40.440 --> 00:57:44.920
Yeah, but she's losing real money. I know that. I know that

717
00:57:45.119 --> 00:57:49.599
it doesn't do what she's trying to
accomplish. Yeah, you're basically losing money,

718
00:57:49.639 --> 00:57:52.800
and then you're qualifying yourself for Medicaid, which I think most people would

719
00:57:52.840 --> 00:57:54.920
really prefer. Data I would have
some control over their care that you kind

720
00:57:54.920 --> 00:57:58.800
of lose if you have Medicaid,
right, my understanding, Dan, And

721
00:57:58.880 --> 00:58:02.559
tell me if this is correct.
The average facility these long term whether their

722
00:58:02.639 --> 00:58:07.679
care facilities or Allheimer's, whatever it
is. I mean, they could be

723
00:58:07.880 --> 00:58:13.400
easily ten thousand dollars a month.
I think that's they are, So they

724
00:58:13.480 --> 00:58:15.119
can easily be a lot more than
that. Frankly, Yeah, So,

725
00:58:15.360 --> 00:58:19.159
I mean it's crazy. You don't
want to risk And this is all I'm

726
00:58:19.239 --> 00:58:21.760
trying to get through to you,
because I've looked into this stuff. The

727
00:58:21.920 --> 00:58:27.880
last thing you want to do is
risk your mom not having that Medicaid and

728
00:58:28.320 --> 00:58:31.599
that facility not getting paid and risk
risk. I don't know what happens at

729
00:58:31.639 --> 00:58:37.119
that point. It's not good.
Yeah, No, I care more about

730
00:58:37.159 --> 00:58:42.559
her care than anything else. We
lose, you know, and her investments

731
00:58:42.639 --> 00:58:45.119
go away. She doesn't want that. She wants to give that to us

732
00:58:45.280 --> 00:58:50.360
or her heritage. That's that's how
it generally goes. It's the main important

733
00:58:50.400 --> 00:58:52.639
thing. So, but you know
what, if you do the right if

734
00:58:52.679 --> 00:58:59.039
you do the right kind of annuity, whether it's Medicare medical, whether it's

735
00:58:59.480 --> 00:59:01.639
approved or not. If you do
the right kind of annuity, you could

736
00:59:01.760 --> 00:59:07.440
have enough money to pay off to
have income and pay off or pay the

737
00:59:07.519 --> 00:59:13.239
rent or whatever the care and have
money left upon death. I mean literally,

738
00:59:13.639 --> 00:59:16.320
if you did the right kind of
annuity seriously, with enough money,

739
00:59:16.800 --> 00:59:22.840
she could pay for her care and
supplement it with well social Security and that,

740
00:59:22.320 --> 00:59:28.760
and then she could she could have
a death benefit that just might possibly,

741
00:59:28.920 --> 00:59:32.519
since you're not paying back Medicaid,
possibly be enough to get along and

742
00:59:32.880 --> 00:59:37.079
leave you guys something. I mean, the legit way could happen too.

743
00:59:37.480 --> 00:59:39.280
Now I want to ask something.
If they were to do a trust,

744
00:59:39.360 --> 00:59:45.639
Dan McKenzie, would the trust have
to have been done prior to five years?

745
00:59:45.400 --> 00:59:50.039
Yeah, after you're putting in that
trust is going to qualify for look

746
00:59:50.079 --> 00:59:52.679
back. So okay, So if
you're going to do a trust, that

747
00:59:52.960 --> 00:59:57.440
has to be done five years prior. So, So that's the thing.

748
00:59:57.599 --> 01:00:01.679
Everyone listening, plan ahead. Thank
you very much, Dan McKenzie, cooplans

749
01:00:01.800 --> 01:00:07.920
dot co eight three three co plans. Now again, let me ask this

750
01:00:07.000 --> 01:00:10.920
another work. Let me ask Dan
one more question quickly quickly, go ahead,

751
01:00:10.920 --> 01:00:15.320
Hey Dan, how many people I
think I asked you this before.

752
01:00:15.400 --> 01:00:17.239
It might have been an attorney in
Florida I was talking to. But how

753
01:00:17.320 --> 01:00:22.639
many people actually go into long term
care with Medicaid? I mean, it's

754
01:00:22.719 --> 01:00:24.519
not as much as I thought it. I thought it was like twenty five

755
01:00:24.639 --> 01:00:30.280
thirty percent. What's your opinion.
Yeah, I would think it'd be half

756
01:00:30.320 --> 01:00:32.000
of that or less, just because
they've done so much to try and you

757
01:00:32.079 --> 01:00:35.400
know, again try and make it
a little bit of a challenge, just

758
01:00:35.559 --> 01:00:39.000
because they really can't cover the up
very much at the expense level that it's

759
01:00:39.039 --> 01:00:43.119
at. So people that are plan
ahead, That's all I have to say.

760
01:00:43.199 --> 01:00:46.159
And by the way, that's one
of the reasons I'm telling you about

761
01:00:46.199 --> 01:00:52.199
ourpcenter dot com. Go to that
website for our February eighth Retirement with a

762
01:00:52.360 --> 01:00:55.880
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of the things we're going to talk about

763
01:00:55.920 --> 01:01:04.119
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768
01:01:24.639 --> 01:01:29.800
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769
01:01:29.840 --> 01:01:38.760
Alliance three oh three nine two zero
sixteen twenty two. Hi, Tom Martino,

770
01:01:39.679 --> 01:01:45.719
your troubleshooter. Three oh three seven
one three talk three oh three seven

771
01:01:45.760 --> 01:01:52.039
one three eight two five five.
Okay, let's see, let's see.

772
01:01:52.119 --> 01:01:55.519
Okay, who's okay? Doug?
Hey, Doug. I don't know if

773
01:01:55.559 --> 01:01:59.320
we can help here, but we'll
try. You're looking for an attorney for

774
01:01:59.400 --> 01:02:06.280
what in show? I am so
my dad? What's going on with your

775
01:02:06.360 --> 01:02:10.440
dad? What? What kind of
attorney? I? Uh, he got

776
01:02:10.519 --> 01:02:15.559
in a car wreck and someone suing
him. Oh so someone suing him.

777
01:02:16.039 --> 01:02:21.920
Okay, here's some good news.
Here's some good news. He's being sued

778
01:02:22.000 --> 01:02:29.320
for negligence, right yes, and
someone is claiming injuries. Right yes,

779
01:02:30.480 --> 01:02:35.519
his insurance company has a contractual obligation. I'm guessing he doesn't have insurance.

780
01:02:37.039 --> 01:02:39.159
Well, yes, he was.
He used to work for us, the

781
01:02:39.320 --> 01:02:43.519
state, driving a bus and he
got in a wreck in the bus.

782
01:02:44.360 --> 01:02:46.679
So they already sued the state.
Now they're coming after him personally. Yeah,

783
01:02:46.679 --> 01:02:50.360
but they have to cover him.
The state has to cover him.

784
01:02:52.960 --> 01:02:59.800
Why how long ago was this accident? Probably four or five months? Okay?

785
01:03:00.039 --> 01:03:02.440
And did he has he since been
fired or let go or did he

786
01:03:02.599 --> 01:03:09.679
quit? Did he quit after that
happened? Okay? Hold on, all

787
01:03:09.800 --> 01:03:16.400
right. I want to get John
Fuller on because John Fuller will give us

788
01:03:16.480 --> 01:03:22.239
the lowdown on who needs to defend
him. But I sincerely doubt he is

789
01:03:22.519 --> 01:03:27.800
all alone. I'm just curious just
to go down that road a little bit,

790
01:03:27.880 --> 01:03:30.800
and I have no idea what the
answer is. If he worked there

791
01:03:30.840 --> 01:03:34.639
at the time, I kind of
understand the one side where they'd have to

792
01:03:34.719 --> 01:03:38.519
defend him, But then the other
side is, you know, they he'd

793
01:03:38.679 --> 01:03:43.880
quit. He left, so like, how long do they have to represent

794
01:03:44.000 --> 01:03:47.480
him? Under any condition? Ours
mark? They have to represent him,

795
01:03:49.159 --> 01:03:54.400
in my opinion, if he was
employed at the time operating he wasn't.

796
01:03:54.599 --> 01:04:00.320
Now remember he wasn't operating outside the
scope. He wasn't doing anything like that.

797
01:04:00.760 --> 01:04:03.159
No, but did he do something
like, for example, was your

798
01:04:03.239 --> 01:04:13.880
dad accused of drinking while this work
was using the bus off duty? Does

799
01:04:14.239 --> 01:04:17.039
drinking or anything like that? Was
he using the bus during the scope of

800
01:04:17.159 --> 01:04:26.880
employment. She was just driving on
his normal route. That's called the scope

801
01:04:26.920 --> 01:04:30.679
of employment. So Mark, the
answer would be this, they need to

802
01:04:30.800 --> 01:04:34.440
cover him for as long as he's
exposed before the statue elements. I mean,

803
01:04:34.480 --> 01:04:39.079
there's a statute of limitation. I'm
just once again, I'm just my

804
01:04:39.239 --> 01:04:42.480
brain is ticking here. So I
owned a bunch of good years, and

805
01:04:42.559 --> 01:04:45.840
if I had an employee, that
would say bringing a customer home created an

806
01:04:45.920 --> 01:04:50.320
accident. And then you know,
six eight months later, the liability on

807
01:04:50.480 --> 01:04:55.480
my side's done. My garage keeper
steps in and I'm done with it.

808
01:04:55.840 --> 01:04:59.199
And this guy quit and left and
went on with life. And then they

809
01:04:59.320 --> 01:05:02.559
go after him and sue. You
think my insurance at that point would come

810
01:05:02.719 --> 01:05:08.760
back and represent an employee I don't
even have anymore. Here's what I'm thinking,

811
01:05:09.079 --> 01:05:15.519
in my uneducated guess, I am
thinking that they would have to cover

812
01:05:15.719 --> 01:05:18.440
him if he truly was employed at
the time. I'm dying to full on.

813
01:05:18.719 --> 01:05:24.199
But that doesn't But that doesn't go
beyond the statute of limitations. Well,

814
01:05:24.239 --> 01:05:27.880
of course not. When we are
told that Fuller is unavailable, we'll

815
01:05:27.920 --> 01:05:30.360
get another Let's get another personal injury
attorney. If we can't get him Mark

816
01:05:31.000 --> 01:05:35.280
Bendelli, Yeah, Bendinelli, Man, let's find something might have been down

817
01:05:35.320 --> 01:05:39.760
this road. I mean, really, you really need to find someone.

818
01:05:39.800 --> 01:05:46.199
I have to take this break more
coming right up. Go with a sure

819
01:05:46.280 --> 01:05:50.800
thing Denver's Best roofer Excel Roofing dot
com. You don't pay a cent until

820
01:05:50.840 --> 01:05:58.960
you're content. Time for an insurance
checkup free, no obligation. In comparison,

821
01:05:59.159 --> 01:06:03.039
call Compass Insurance paying too much your
coverage at dozens of insurance companies find

822
01:06:03.039 --> 01:06:06.199
out now three all three seven to
seven to one help. You'll think you're

823
01:06:06.280 --> 01:06:11.119
his only customer when you choose Frank
durand the real estate Man dot com to

824
01:06:11.280 --> 01:06:15.960
list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

825
01:06:19.280 --> 01:06:24.960
Hi Tom Martino here three h three
seven one three talk three oh three

826
01:06:25.119 --> 01:06:30.840
seven one three A two five five
all right. We're trying to find someone

827
01:06:30.880 --> 01:06:35.599
who can help us on this liability
question. Meanwhile, Joe has a comment

828
01:06:35.760 --> 01:06:41.840
on Medicaid. Go ahead, Joe, what's your comment? Yeah, tom

829
01:06:42.000 --> 01:06:46.199
My, Tom is regarding Jessica's call. And the one point that I'd like

830
01:06:46.280 --> 01:06:50.840
to make is that anybody that's facing
this decision and I've gone through it,

831
01:06:51.320 --> 01:06:57.280
fased all the things that you guys
were talking about. Go and shop nursing

832
01:06:57.360 --> 01:07:00.800
homes, and then you will find
out. If you love your loved one,

833
01:07:01.199 --> 01:07:08.079
you do not want them anywhere near
a facility that medicaid would cover.

834
01:07:09.079 --> 01:07:14.159
So come up with the money or
keep them at home. But trust me,

835
01:07:15.079 --> 01:07:16.599
you do not want to. Yeah. But Joe, Joe, that's

836
01:07:16.679 --> 01:07:21.559
easier. That's so easier said than
done. There's people that have dementia that

837
01:07:21.920 --> 01:07:25.440
I mean, you can't even move. I mean you couldn't. I don't

838
01:07:25.440 --> 01:07:28.320
even know how you would take care
of them at home. My grandmother in

839
01:07:28.400 --> 01:07:31.679
her last year when she was ninety
three, I mean, she couldn't say

840
01:07:31.719 --> 01:07:36.360
a word. They fetter like through
tubes. There's nothing anybody could do at

841
01:07:36.360 --> 01:07:40.599
home. But I understand what you're
saying, man. But Joe, the

842
01:07:40.719 --> 01:07:43.840
other thing that you said. The
other thing that you said, and you

843
01:07:43.960 --> 01:07:48.480
said it kind of cavalier, and
that is come up with the money.

844
01:07:48.639 --> 01:07:53.119
I mean there are people that just
can't come up with the money. I

845
01:07:53.199 --> 01:07:56.719
mean no, I said, keep
them at home or come up with the

846
01:07:56.840 --> 01:07:59.119
money. Come up with the money. Where do you come up with the

847
01:07:59.159 --> 01:08:03.119
money. I then keep them at
home or put them into one of these

848
01:08:03.199 --> 01:08:08.840
facilities. But faith facts, they're
horrid. Well, and I'm going to

849
01:08:08.880 --> 01:08:12.920
take I want to take a little
disagreement there. I'm not saying they're all

850
01:08:13.039 --> 01:08:18.079
good, but the lump every facility
that accepts Medicaid is saying they're horrible and

851
01:08:18.199 --> 01:08:21.720
abusive. And I know you didn't
say abusive, but what I am saying,

852
01:08:23.039 --> 01:08:26.359
Look, let's pretend I don't know. Let's say Medicaid pays twenty five

853
01:08:26.479 --> 01:08:31.520
hundred dollars a month. I'm saying
that any facility where twenty five hundred dollars

854
01:08:31.960 --> 01:08:36.960
a month will cover it, the
entirety of all your fees is going to

855
01:08:38.000 --> 01:08:42.279
be a rough place. It could
be. It could be I mean,

856
01:08:42.359 --> 01:08:45.319
you get what you pay for.
Joe is saying you get what you pay

857
01:08:45.399 --> 01:08:47.720
for. Hold on, let's go
to Hank. Hank, what is your

858
01:08:47.800 --> 01:08:51.479
issue with Medicaid or a previous employer? Go ahead, Hank, Hey,

859
01:08:51.600 --> 01:08:57.840
Tom So, I'm trying to figure
out here the fate still has me employed

860
01:08:57.960 --> 01:09:01.079
with Elwood Staffing. It's been over
three years. I'm trying to get my

861
01:09:01.239 --> 01:09:06.399
medicaid. Do the issues go with
a sure thing Denver's Best Roofer Excel Roofing

862
01:09:06.520 --> 01:09:14.000
Dot com. You don't pay a
cent until you're content. Time for an

863
01:09:14.000 --> 01:09:18.359
insurance check up free, no obligation
comparison call Compass Insurance paying too much your

864
01:09:18.439 --> 01:09:23.720
coverage at dozens of insurance companies find
out now three oh three seven seven one

865
01:09:23.840 --> 01:09:27.479
help. You'll think you're his only
customer when you choose Frank durand the real

866
01:09:27.600 --> 01:09:31.119
estate man dot com to list your
home with Remax Alliance three oh three nine

867
01:09:31.199 --> 01:09:44.279
two zero sixteen twenty two. Yeah
Rift, you need that? Who you

868
01:09:44.439 --> 01:09:51.039
don't have to run anxious as fast
as you can. Shooter's gonna help.

869
01:09:51.319 --> 01:10:00.159
Come. Six is the Troubleshooter Show. Now Tom Martinez, Hi, I'm

870
01:10:00.199 --> 01:10:03.279
Martino here. This is the Troubleshooter
Show. We discuss things no other shows

871
01:10:03.319 --> 01:10:06.720
discuss every day aches and pains,
the things that make us take, the

872
01:10:06.800 --> 01:10:13.079
things that tick us off. Today's
card day. We have Kevin Colkin from

873
01:10:13.159 --> 01:10:15.119
Shared and Auto Tech with us.
We haven't had a lot of car calls,

874
01:10:15.159 --> 01:10:21.279
but we'll get to them. And
here's the other thing. Crime.

875
01:10:23.680 --> 01:10:28.079
Did you know there's a trend?
Now? Do you know what people are

876
01:10:28.119 --> 01:10:32.680
stealing? You won't even believe it. The hearts and money of others.

877
01:10:33.960 --> 01:10:38.560
They're stealing from homes. What do
you think they're stealing? Mark, you

878
01:10:38.680 --> 01:10:41.640
mean from a home that is being
built or a home that's lived in,

879
01:10:42.439 --> 01:10:47.920
Just homes, regular homes, regular
home microwaves. Well, they're not breaking

880
01:10:48.000 --> 01:10:53.279
in, they're stealing from the outside
of Oh, sprinklers. Yeah I saw

881
01:10:53.399 --> 01:10:56.760
that. Man. Now I started
thinking else, Well, hold on Haw's

882
01:10:56.800 --> 01:11:00.920
to deal with sprinkling, landscape lighting. Yes, shrubberies that trace. You

883
01:11:00.039 --> 01:11:04.720
know why, because they went to
one town and sold someone a landscaping job

884
01:11:04.840 --> 01:11:10.359
for X amount. Then they go
out and just fulfill the orders. So

885
01:11:10.680 --> 01:11:16.960
think about that if you have shrubs
that look good, trees, sprinkler system.

886
01:11:17.279 --> 01:11:20.039
The one on Fox or nine News
you got me was a lady that

887
01:11:20.199 --> 01:11:25.720
was videotape and the guy stealing the
sprinkler system in the front yard. Now

888
01:11:25.920 --> 01:11:33.359
here's the thing that I find shocking. Crime is becoming so commonplace. It's

889
01:11:33.479 --> 01:11:38.720
almost like we don't I mean,
really, were you outraged when you heard

890
01:11:38.720 --> 01:11:41.000
about it? I mean I'm not. I think, well, more of

891
01:11:41.079 --> 01:11:44.319
the same. I went the same, It's the same, yep, yep.

892
01:11:44.439 --> 01:11:45.800
Didn't even think twice about it.
Man, Yeah, more of the

893
01:11:45.920 --> 01:11:49.239
same, more of the same.
I mean, we do not prosecute.

894
01:11:49.439 --> 01:11:54.199
No, no prosecution, no prosecution. I mean, did you see those

895
01:11:54.239 --> 01:11:59.039
guys get bail that that kicked?
And did the police in New York City

896
01:11:59.159 --> 01:12:02.720
beat up? They beat up or
assaulted two officers and they got, you

897
01:12:02.840 --> 01:12:05.840
know, let go. And they
were illegal? They were illegal? And

898
01:12:05.960 --> 01:12:09.239
yes, I said, And on
the way out, did you see him

899
01:12:09.279 --> 01:12:14.600
giving the finger? Oh? Yeah, of course I did. God dang

900
01:12:14.680 --> 01:12:17.920
it. It just I mean it's
hard. It really is hard to take

901
01:12:18.039 --> 01:12:21.159
nowadays, isn't it. It really
is. It's hard to take. Yeah,

902
01:12:21.159 --> 01:12:26.399
but we're getting immune to it.
Yeah, Hank, what's going on

903
01:12:26.560 --> 01:12:30.920
with you? Hank? Welcome to
the show. What's going on Hank?

904
01:12:31.199 --> 01:12:35.760
Anytime? What's happening? You said
your employed? You were? Yes,

905
01:12:35.840 --> 01:12:44.920
go ahead, No, I was
employed through Eltwood working at Vestis a little

906
01:12:44.960 --> 01:12:51.760
over three years ago. Where were
you employed? H Elwood through Vessus or

907
01:12:51.960 --> 01:12:57.359
Vestas through Elwood? What is that? Yeah? That's just you know,

908
01:12:57.479 --> 01:13:00.319
they make those oh vests, you
mean the ones that make the winils.

909
01:13:00.279 --> 01:13:06.640
Yeah, the wind turbines or windmen
make electricity. Yeah. So yeah,

910
01:13:06.680 --> 01:13:11.520
I was down there in Brighton.
Okay, got it. We've worked God,

911
01:13:11.640 --> 01:13:14.960
let go. I haven't worked for
a while. I'm trying to get

912
01:13:15.039 --> 01:13:20.279
my Medicaid benefits and Elwood will not
give me a letter saying that I have

913
01:13:20.479 --> 01:13:26.000
not worked for them. What do
you mean they won't give it to you?

914
01:13:26.159 --> 01:13:30.600
I mean, why do you even
need that? I mean they're telling

915
01:13:30.680 --> 01:13:33.800
me to call Experience. Well wait
a second, were you a W two

916
01:13:33.920 --> 01:13:40.079
employee? Were you a W two? Oh? Absolutely, W two through

917
01:13:40.159 --> 01:13:45.760
Elwood? Topsis but Elwood? I
wonder why they won't give them. Wait,

918
01:13:46.319 --> 01:13:50.520
is this the Medicaid people asking you
for that? I'm trying to get

919
01:13:50.600 --> 01:13:55.359
Medicaid. But are they the ones
telling you you have to get proof you're

920
01:13:55.439 --> 01:14:00.760
unemployed? Exactly? Yeah, the
state Medicaid is telling me saying, hey

921
01:14:00.279 --> 01:14:05.920
you go. They're saying, hey, you work for Alwood and haven't I

922
01:14:06.039 --> 01:14:12.000
would won't give me a letter?
Well, how about a pay stuff?

923
01:14:12.079 --> 01:14:15.119
I mean, you must have something
in your life to prove that you work

924
01:14:15.159 --> 01:14:17.600
there. No, no, he
has to do just the opposite. Wait

925
01:14:17.680 --> 01:14:23.079
a minute, he has to prove
he doesn't work there. Oh, that

926
01:14:23.199 --> 01:14:28.079
you still don't work there? Yeah, that he's unemployed. In other words,

927
01:14:28.399 --> 01:14:30.479
how do you prove you're unemployed?
For God's sakes, I have no

928
01:14:30.760 --> 01:14:34.439
idea I've never heard of such a
thing. Are you sure, Hank?

929
01:14:34.479 --> 01:14:40.000
They're asking you to prove you're unemployed. Absolutely. I will give you the

930
01:14:40.079 --> 01:14:44.560
emails, uh, the numbers,
anything you want, Tom. This is

931
01:14:44.760 --> 01:14:47.600
Medicaid asking you to prove that you're
unemployed. State of Colorado. Yeah,

932
01:14:48.199 --> 01:14:54.119
let's say, yeah, yeah,
and and when you when you? I

933
01:14:54.199 --> 01:14:58.000
mean I've never actually I've seen just
the opposite where you have to prove you're

934
01:14:58.039 --> 01:15:00.960
employed. How do you prove your
un employed? I mean, it's ridiculous.

935
01:15:01.000 --> 01:15:06.520
How do you prove it? Give
me a letter? Well, why

936
01:15:06.560 --> 01:15:11.720
won't they give you a letter saying
you don't work there anymore? Ask them?

937
01:15:12.039 --> 01:15:14.479
They say, oh, you got
to go through corporate. Then they

938
01:15:14.520 --> 01:15:18.079
say you got to go through it
speedy end the credit like the credit agency.

939
01:15:20.279 --> 01:15:26.039
You know, how long have you
been out of there? Oh it's

940
01:15:26.079 --> 01:15:31.079
been three years? Bus three years? But why does the state this is

941
01:15:31.279 --> 01:15:35.159
this is important. There's some fraud
going on. Why does the state have

942
01:15:35.319 --> 01:15:44.119
you listed as employed? Employed?
Unemployed? Hold on, Hank, you're

943
01:15:44.199 --> 01:15:48.680
telling me that the state has you
listed as working there? Yes, sir,

944
01:15:49.239 --> 01:15:56.800
why tell me, buddy? Did
you have like a workman's comp claim?

945
01:15:58.319 --> 01:16:01.880
Never? All right? It just
makes unemployment then and then that's the

946
01:16:01.880 --> 01:16:05.600
way to prove you you're unemployed.
Oh, that's done it over, that's

947
01:16:05.800 --> 01:16:17.279
years ago. Actually, maybe that
those records within itself would work if someone

948
01:16:17.399 --> 01:16:21.000
if someone showed up that used to
work for me and said, would you

949
01:16:21.079 --> 01:16:25.680
write me a letter that I'm not
employed? I mean, I don't know

950
01:16:25.760 --> 01:16:29.640
why I wouldn't write it, but
I could understand. In a big company,

951
01:16:30.239 --> 01:16:35.279
why people are going to be well, we don't do that, But

952
01:16:35.399 --> 01:16:41.359
why the state is asking them to
do it is really more of the records.

953
01:16:41.600 --> 01:16:44.720
He's there something, Well, they
have a Social Security number, they

954
01:16:44.760 --> 01:16:46.920
can tell employment, they can tell
if any money is taken out of his

955
01:16:47.119 --> 01:16:54.359
taxes that go to the state.
I think there's a fraud going on up

956
01:16:54.439 --> 01:16:58.760
at Vestus. I mean you mean
if if Vestus or maybe the state not

957
01:16:58.960 --> 01:17:03.600
necessarily fraud, but in cobody,
somebody is paying a paycheck to somebody who

958
01:17:03.640 --> 01:17:09.640
doesn't work there anymore, and they're
collecting it. That's exactly what's going on.

959
01:17:10.159 --> 01:17:15.760
That's the only reason they say he's
employed. Did they ever give you

960
01:17:15.880 --> 01:17:19.680
a clue? Like, the reason
we think you're employed is because we see

961
01:17:19.720 --> 01:17:26.520
you're getting money each month or anything
you know what I would do. You

962
01:17:26.600 --> 01:17:32.000
know what I would do. I
would sue them for wages. I would

963
01:17:32.079 --> 01:17:35.720
sue them. You think I'm kidding, don't you. I would sue them

964
01:17:35.800 --> 01:17:41.199
for wages. Here's my reasoning.
When I went to get Medicaid, the

965
01:17:41.279 --> 01:17:45.199
state told me I was still employed
at Vestus. Vestus will not give me

966
01:17:45.479 --> 01:17:49.600
any any proof that I'm not working
there. But Tom, the reality is,

967
01:17:49.760 --> 01:17:53.439
this guy's trying to get on Medicaid. He can't afford an attorney,

968
01:17:54.000 --> 01:17:58.439
no small claims court. You go
to small claims court for wages and you

969
01:17:58.680 --> 01:18:02.840
say that you are listed as working
there, yet you're not getting paid and

970
01:18:03.039 --> 01:18:08.760
you need to get paid. They
will have to write you a letter or

971
01:18:08.920 --> 01:18:15.319
say you're not employed there. I'm
not kidding. I'm not kidding. That's

972
01:18:15.359 --> 01:18:17.319
one of the things I would do. Or I would go back to where

973
01:18:17.399 --> 01:18:23.640
I got unemployment and show them those
records as they as they recommended earlier,

974
01:18:24.079 --> 01:18:30.159
or they counter assume them for their
time and effort. What I mean,

975
01:18:30.880 --> 01:18:40.880
But I did you ask the state
why do they show you as why do

976
01:18:41.039 --> 01:18:49.520
they show you as employed? Did
you ask Hank? Well, you know,

977
01:18:50.000 --> 01:18:56.319
I think Mark brought on something.
I think pursuing a little sum might

978
01:18:56.399 --> 01:19:01.720
be the answer. But they won't
tell me anything. It's all corporate numbers,

979
01:19:01.880 --> 01:19:06.359
emails, nothing. Who won't tell
you anything? I'm asking you,

980
01:19:06.560 --> 01:19:13.680
why does statel Woods staffing? Elwood
Staffing will not tell me anything? Elwood

981
01:19:13.720 --> 01:19:17.239
Staffing from Brighton. I hit up
the corporate office, I got a number,

982
01:19:18.880 --> 01:19:23.199
called them. They called me.
Uh. They will not write a

983
01:19:23.520 --> 01:19:29.319
letter stating that I do not work
for Woods. Was Elwood a temp agency?

984
01:19:29.960 --> 01:19:32.439
Yeah? Exactly. Uh. And
they hired a lot of people for

985
01:19:32.640 --> 01:19:40.119
Vestas. I think they're committing fraud. I think they're still getting paid for

986
01:19:40.199 --> 01:19:44.560
you, Goad. That'd be crazy. No, I'm not kidding you.

987
01:19:44.840 --> 01:19:47.239
I think I think you submit to
Medicare or call them up. I saw

988
01:19:47.279 --> 01:19:51.279
an eight hundred number someone that will
listen and then just show them your unemployment

989
01:19:53.119 --> 01:20:00.399
stuff. I really believe that they're
committing fraud, and I I think we

990
01:20:00.439 --> 01:20:05.119
should have somebody call and say listen, we feel that you will not provide

991
01:20:05.239 --> 01:20:11.680
him with saying he's not employed,
because somebody there is still collecting money for

992
01:20:11.800 --> 01:20:15.359
this guy. I mean it,
I'm not kidding this reeks of fraud.

993
01:20:15.960 --> 01:20:20.600
They are reporting you as being employed, your social security and number. I'm

994
01:20:20.680 --> 01:20:26.319
telling you that's what's going on.
We need someone who can call up to

995
01:20:26.680 --> 01:20:30.720
Elwood and say, listen, this
guy needs to get medicaid. He can't

996
01:20:30.800 --> 01:20:34.880
because the state thinks he's still employed
by you people, and we think you

997
01:20:35.000 --> 01:20:43.520
people are collecting on him from Vestus. I mean, we think if I

998
01:20:43.560 --> 01:20:47.000
can give a letter saying that I
have not been employed with them over three

999
01:20:47.119 --> 01:20:53.560
years and show that and show the
state that I have not, that's all

1000
01:20:53.680 --> 01:20:58.000
I need. I understand that.
What are you not understanding by me?

1001
01:20:58.159 --> 01:21:00.039
Do you know why they don't want
to write that letter because they've been getting

1002
01:21:00.079 --> 01:21:06.840
paid by Vestis for you. Probably
that's what I think. I think Elwood

1003
01:21:06.960 --> 01:21:14.760
Staffing is being paid for you a
funny business. Well what other reason?

1004
01:21:16.199 --> 01:21:18.600
That's why I'm calling you, Tah. You know, do you have a

1005
01:21:18.720 --> 01:21:23.600
contact that Ellwood you've been talking to. Yeah, if you want to send

1006
01:21:23.640 --> 01:21:26.319
me over to your lady, I
can give you a couple of numbers.

1007
01:21:26.800 --> 01:21:30.560
No, here's what I want you
to do and then call us back.

1008
01:21:30.720 --> 01:21:35.199
I want you to tell them that
you talk to me on the radio and

1009
01:21:35.359 --> 01:21:42.359
that I want to do an investigation
because I believe Elwood is still collecting for

1010
01:21:42.520 --> 01:21:45.520
you, and that's why they won't
give you a letter. And if you

1011
01:21:45.600 --> 01:21:50.439
don't get a letter within forty eight
hours, you're busting the scam wide open

1012
01:21:50.960 --> 01:21:56.880
because you believe you're not the only
one they're collecting on. You do that,

1013
01:21:57.640 --> 01:22:02.159
I guarantee you that'll shake something up. Tom. I'm sure we'll figure

1014
01:22:02.159 --> 01:22:10.800
out something by Monday or Tuesday.
Got you, so you start call me

1015
01:22:10.960 --> 01:22:15.680
back, You tell them exactly what
I just told you. I'm Tom Martino

1016
01:22:15.800 --> 01:22:24.760
three oh three seven to one three
Talk go with a sure thing Denver's Best

1017
01:22:24.840 --> 01:22:28.880
roofer Excel Roofing dot com. You
don't pay a cent until you're content.

1018
01:22:31.239 --> 01:22:36.520
Time for an insurance check up free
no obligation comparison call Compass Insurance paying too

1019
01:22:36.600 --> 01:22:41.880
much your coverage at dozens of insurance
companies find out now three oh three seven

1020
01:22:41.960 --> 01:22:45.640
seven to one help. You'll think
you're his only customer when you choose Frank

1021
01:22:45.680 --> 01:22:49.239
Durand the real estate Man dot com
to list your home with Remax Alliance three

1022
01:22:49.319 --> 01:23:00.119
oh three nine two zero sixteen twenty
two. Hi Tom Martino or Troubleshooter three

1023
01:23:00.159 --> 01:23:04.800
oh three seven to one to three. Talk so a Denver Man, They

1024
01:23:04.880 --> 01:23:10.600
say, scammed at least one hundred
and twenty thousand or more from women he

1025
01:23:10.800 --> 01:23:18.680
met on dating apps and at local
gyms, promising massive returns on investments and

1026
01:23:18.800 --> 01:23:28.800
a fake medical treatment project. It
was a lawsuit filed by Colorado securities regulators

1027
01:23:29.000 --> 01:23:36.560
on Wednesday. Basically, this guy
would meet women and scam them with investment

1028
01:23:36.960 --> 01:23:44.159
advice. Hmmm, crazy stuff.
Three oh three seven one three talk seven

1029
01:23:44.199 --> 01:23:47.319
one three eight two five y five. There is just no shortage of scams.

1030
01:23:48.279 --> 01:23:53.439
Jay's got a comment on Hank's issue. I said, the reason that

1031
01:23:53.600 --> 01:23:59.800
this company won't say Hank is not
employed is because they're showing that they're still

1032
01:23:59.800 --> 01:24:04.520
getting paid on Hank and somebody there
they suspect is probably committing fraud and they

1033
01:24:04.600 --> 01:24:09.159
don't they they have to investigate it. So what's your comment, Jay?

1034
01:24:10.640 --> 01:24:15.479
I was just curious because oh,
with stepping was using him as a tempt

1035
01:24:15.640 --> 01:24:20.760
for investis called investis possibly see when
the last time they paid for him,

1036
01:24:20.920 --> 01:24:26.399
And it's a good idea. Yeah, that's a good idea. There might

1037
01:24:26.479 --> 01:24:30.840
be a contractual relationship between the two. Yeah, he might say it for

1038
01:24:31.000 --> 01:24:35.920
taxes or something. Maybe somebody's up
in the mouth who knows just about Okay,

1039
01:24:36.680 --> 01:24:41.079
thank you for Paul. That's for
sure. It is worth call.

1040
01:24:41.199 --> 01:24:46.159
Sue. What is your comment?
I agree it's third party payment, and

1041
01:24:46.279 --> 01:24:53.960
I believe somebody scamming him or when
COVID was happening, people were also getting

1042
01:24:54.000 --> 01:24:59.600
stimulus money and staling IDs, and
I'm hoping that you know, that might

1043
01:24:59.680 --> 01:25:04.239
not that might be the case.
Also regarding his ID. Maybe hopefully that's

1044
01:25:04.359 --> 01:25:10.560
not the case that someone else's working
saying they're him. You're right exactly,

1045
01:25:10.640 --> 01:25:15.000
because that was a big situation.
I had a friend, he was unaware

1046
01:25:15.079 --> 01:25:19.479
of it that somebody was stealing his
uh what do you call it? Unemployment

1047
01:25:19.600 --> 01:25:24.800
checks? And he took it took
forever for him to settle it out.

1048
01:25:25.840 --> 01:25:30.079
Oh man, we had so many
of those going on, Sue. You

1049
01:25:30.159 --> 01:25:33.159
know, I wonder if you added
up all the fraud how much that would

1050
01:25:33.239 --> 01:25:36.359
come to because of COVID. That
was big time. The other thing,

1051
01:25:36.439 --> 01:25:43.119
real quick, I was in forget
the gentleman's name that was talking about,

1052
01:25:44.079 --> 01:25:49.840
you know, assisted living and stuff. You know, I unfortunately had my

1053
01:25:50.039 --> 01:25:56.399
parents in a very very exclusive one
back east. They were paying five years

1054
01:25:56.399 --> 01:26:04.479
ago, fifteen thousand dollars. My
parents were very, very competent they will

1055
01:26:04.520 --> 01:26:09.359
put in against their will. I
lived here, I was going back and

1056
01:26:09.520 --> 01:26:15.920
forth to Boston, our suburb of
Boston, and what happened was they were

1057
01:26:16.119 --> 01:26:19.479
failing to thrive, they didn't like
where they were staying, blah blah blah.

1058
01:26:19.520 --> 01:26:24.680
They got taken out of my house
that I grew up in. And

1059
01:26:25.800 --> 01:26:29.319
if it wasn't and I'm not trying
to get kudos for me, but when

1060
01:26:29.359 --> 01:26:33.479
I went to visit them, and
I was doing home health care here in

1061
01:26:33.560 --> 01:26:40.760
Colorado, my daughter does it here, and I will say they the nurses,

1062
01:26:40.920 --> 01:26:45.319
the staff there are very limited and
they do the best they can no

1063
01:26:45.479 --> 01:26:48.880
matter what you pay for the care. And what the gentleman was saying,

1064
01:26:49.039 --> 01:26:55.119
I think if you're not your parents'
advocate or your loved one's advocate to go

1065
01:26:55.479 --> 01:27:00.279
and check on them randomly and frequently, they don't get the care that you

1066
01:27:00.560 --> 01:27:05.680
wish they would, and I would
be in a budsman or what that means

1067
01:27:05.760 --> 01:27:10.720
is an advocate for your parents.
So no matter what you pay, they're

1068
01:27:10.840 --> 01:27:14.039
never going to get the care that
you want them to get. So,

1069
01:27:14.279 --> 01:27:18.039
yes, it's unfortunate, no matter
if they have dementia or they're very capable

1070
01:27:18.600 --> 01:27:24.880
of care on their own. Just
do the best you can to check in

1071
01:27:25.000 --> 01:27:29.399
on them and to go to their
doctor's appointments, because it is a very

1072
01:27:29.520 --> 01:27:33.560
tough, you know, situation out
there. The people working in those facilities,

1073
01:27:34.600 --> 01:27:40.159
don't they try to do the best
they can. Thank you, Thank

1074
01:27:40.239 --> 01:27:43.640
you very much. Three all three
seven to one three talk well said three

1075
01:27:43.720 --> 01:27:47.279
O three seven one three eight two
five five. Kevin, I'm sorry for

1076
01:27:47.359 --> 01:27:51.720
the wait, sir. What's happening
with you? Kevin? Yeah, Hi

1077
01:27:51.880 --> 01:27:56.920
Tom, good morning. Yeah.
I was on your referral list looking for

1078
01:27:57.039 --> 01:28:00.199
a plumber. Yeah, I have
a main water line that I have to

1079
01:28:00.239 --> 01:28:05.079
get replaced as a car washing parker. Who would you guys suggest? Oh

1080
01:28:05.159 --> 01:28:09.159
my goodness, so it's a commercial
t water line. I'll tell you who.

1081
01:28:10.640 --> 01:28:15.600
Rocky Mountain Sewer and Drain. Okay, they're out of springs right,

1082
01:28:15.680 --> 01:28:17.079
No wait wait wait, yeah,
they are out of the springs. I'm

1083
01:28:17.119 --> 01:28:19.319
hoping I said it right. Oh. I know what's weird about it?

1084
01:28:19.720 --> 01:28:25.319
It's literally Rocky MTN. I mean
you can search just put in sewer line

1085
01:28:25.439 --> 01:28:28.960
or plumbing on the referral list,
they'll come up. But it's Rocky Mountain

1086
01:28:29.000 --> 01:28:32.119
Sewer and Drain. Jose and his
son. They're like a two man team.

1087
01:28:32.640 --> 01:28:36.079
They do a ton of commercial work. They will go all the way

1088
01:28:36.159 --> 01:28:40.399
up to Denver if the job's right, and they're going to save you a

1089
01:28:40.760 --> 01:28:45.199
ton of money. Brother. Okay, okay, Because it's the main line,

1090
01:28:45.239 --> 01:28:50.279
it's about fifty feet and I've talked
to a couple of plumbers and some

1091
01:28:50.399 --> 01:28:54.880
of the plumbers say it might be
the whole line, and then other one

1092
01:28:54.960 --> 01:28:57.880
says it might be a kink in
the line that's finally worn through, or

1093
01:28:58.039 --> 01:29:00.800
well, how do you know it
needs to be done? First of all,

1094
01:29:00.840 --> 01:29:03.359
what are your symptoms? God,
you know you have a problem because

1095
01:29:03.399 --> 01:29:08.479
I got a little fountain coming out
of the pavement. Oh do it.

1096
01:29:09.680 --> 01:29:14.439
That'll do it. That'll do it, that's for sure. No, no,

1097
01:29:14.640 --> 01:29:16.960
no, did anyone do any exploring
on what it is at all?

1098
01:29:18.319 --> 01:29:21.359
Oh no no. The only thing
I've done is shut off the main and

1099
01:29:21.479 --> 01:29:25.520
it stopped, so I know it's
on my side of the They can get

1100
01:29:25.640 --> 01:29:28.359
out, they can come out and
scope it and see if they can find

1101
01:29:28.439 --> 01:29:30.439
it. Any of our people can
do that, but a lot of them

1102
01:29:30.479 --> 01:29:34.039
don't do commercial. But I'm telling
you, these two they're really good guys.

1103
01:29:34.359 --> 01:29:39.439
Do they actually scope fresh water lines. I have no idea actually,

1104
01:29:39.520 --> 01:29:42.840
now that you say that, I
don't know. But in any case,

1105
01:29:43.039 --> 01:29:45.840
I think that that's the way to
go. These guys. We've had good

1106
01:29:45.920 --> 01:29:49.039
reviews on these guys. I wouldn't
say to you. Now you're just making

1107
01:29:49.119 --> 01:29:54.359
me curious. Why wouldn't someone scope
a fresh wild because it's under pressure.

1108
01:29:54.439 --> 01:29:57.239
For one thing, they would have
to discon they would have to turn it

1109
01:29:57.319 --> 01:30:00.720
off, disconnected. I don't know. They could go through the water.

1110
01:30:00.840 --> 01:30:03.279
That's easy enough. But also water
lines are much smaller than sewer lines.

1111
01:30:03.439 --> 01:30:06.760
I mean, I imagine there's equipment
we should ask someone. I mean,

1112
01:30:06.840 --> 01:30:10.600
it's a good it's a good thought. These guys do it all though.

1113
01:30:10.680 --> 01:30:14.479
Man, Okay, I think,
well, I don't want other people to

1114
01:30:14.560 --> 01:30:18.039
think they do normal plumbing when it
comes to sewer lines or fresh water lines

1115
01:30:18.239 --> 01:30:25.119
or anything for even new construction.
Anything that's underground that needs a conduit they

1116
01:30:25.199 --> 01:30:30.520
can do. But they specialize in
the water stuff exactly exactly well, no

1117
01:30:30.680 --> 01:30:33.239
matter what has no matter what happens, it has to be dug down to

1118
01:30:33.399 --> 01:30:36.800
and find the leak. Yeah,
I'm telling you call them up, Pep

1119
01:30:38.039 --> 01:30:42.119
Jose will probably be out there within
I don't know, a couple of days,

1120
01:30:42.199 --> 01:30:45.760
maybe over the weekend, and we'll
tell you a kind of worst scenario,

1121
01:30:45.359 --> 01:30:48.199
hopefully what it actually is. I
mean, he's just going to be

1122
01:30:48.239 --> 01:30:53.119
straight up, man, and they'll
probably have the equipment right there. If

1123
01:30:53.159 --> 01:30:56.279
you want to actually do that initial
dig and try to figure out what it

1124
01:30:56.439 --> 01:31:00.279
is, they'd probably knock that out
when they show up. Man, Okay,

1125
01:31:00.520 --> 01:31:03.600
I'll give him a call. Thank
you Kevin for waiting. Three oh

1126
01:31:03.720 --> 01:31:14.159
three seven to one, three eight
two five five Go with a sure thing

1127
01:31:14.319 --> 01:31:17.720
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're

1128
01:31:17.800 --> 01:31:27.239
contenth wait time for an insurance check
up free no obligation comparison call Compass Insurance

1129
01:31:27.439 --> 01:31:30.560
Paying too much your coverage at dozens
of insurance companies find out now three oh

1130
01:31:30.640 --> 01:31:34.279
three seven to seven to one help. You'll think you're his only customer when

1131
01:31:34.319 --> 01:31:39.000
you choose Frank Durand the Real estate
Man dot com to list your home with

1132
01:31:39.159 --> 01:31:47.319
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino,

1133
01:31:48.319 --> 01:31:53.640
your troubleshooter three oh three seven one
three talk three oh three seven one

1134
01:31:53.720 --> 01:31:59.600
three eight two five five Ron has
a question on electrician or gas line.

1135
01:31:59.600 --> 01:32:06.520
Go ahead, are you there?
Ron? Yes? Thank you, Tom?

1136
01:32:06.800 --> 01:32:12.520
Yeah, man, what's going on? Oh? I I want to

1137
01:32:12.600 --> 01:32:24.680
add to my garage. Yeah,
for some welding. So I'm I'm looking

1138
01:32:24.760 --> 01:32:33.159
for electrician and and I'm also interested
in bringing gas into my kitchen and my

1139
01:32:33.359 --> 01:32:40.680
family room. Okay, so Christians, well we have a lot of people

1140
01:32:40.760 --> 01:32:44.920
that can do that. I mean, it's how let me ask you what

1141
01:32:45.039 --> 01:32:50.159
kind of service do you have it? It's you're talking about mainly like coming

1142
01:32:50.279 --> 01:32:54.640
off from where. That's what I
need to know. Where. Where's where's

1143
01:32:54.720 --> 01:33:00.640
your uh, your main power coming
into the property. It's coming in from

1144
01:33:00.720 --> 01:33:03.920
the north side of the house,
the garage. Do you have property like

1145
01:33:04.119 --> 01:33:08.399
land or is it just a house
on a lot or what? Oh,

1146
01:33:08.520 --> 01:33:13.760
it's a house on a lot,
achoke. Okay, So the power is

1147
01:33:13.800 --> 01:33:17.319
already there, right, and I
would have to run it. It would

1148
01:33:17.319 --> 01:33:23.119
probably run about fifty feet to get
to the garage. And would that have

1149
01:33:23.239 --> 01:33:30.720
to be underground? No, I
could take it through the basement, which

1150
01:33:30.800 --> 01:33:36.279
is unfinished. Well, what I
mean is to get oh okay, so

1151
01:33:36.760 --> 01:33:43.439
where your meter is? It could
go through the basement to where you want

1152
01:33:43.479 --> 01:33:47.439
it. Correct. Yeah, they
still have to hang it right or secure

1153
01:33:47.479 --> 01:33:50.319
it. But okay, you don't
have to do excavating. What about then,

1154
01:33:51.039 --> 01:33:56.720
as far as the gas, where's
the gas come in? Gas is

1155
01:33:58.399 --> 01:34:08.359
still on the north side of the
house, but it's it is probably twenty

1156
01:34:08.479 --> 01:34:13.000
feet from the north. Yeah,
this is relatively easy. Now I have

1157
01:34:13.119 --> 01:34:19.079
to figure this out. Mark do
our normal service plumbers and electricians. They'll

1158
01:34:19.119 --> 01:34:21.680
do the No, No, they'll
do the electrical. So you can go

1159
01:34:21.760 --> 01:34:25.800
to any one of our great electricians
to do that. Yeah, get a

1160
01:34:25.840 --> 01:34:29.479
few bits. I just had mine
done. Now they don't. I wouldn't

1161
01:34:29.560 --> 01:34:31.920
use them anymore because the guy sold, but I had it run. I've

1162
01:34:31.960 --> 01:34:38.159
got three panels in my basement.
They added a fifty amp or six actually

1163
01:34:38.199 --> 01:34:42.520
a sixty ant breaker and they ran
up from my charger from my car to

1164
01:34:42.560 --> 01:34:45.479
my garage. The majority of it
is outside in conduit, and it's all

1165
01:34:45.560 --> 01:34:49.760
done legally, and it was actually
less than a thousand bucks man. So

1166
01:34:50.000 --> 01:34:54.600
I would get some different ones on
the gas. I've got a text into

1167
01:34:54.720 --> 01:34:58.239
euro Plumbing right now to see that
they if they do it, but I

1168
01:34:58.359 --> 01:35:01.359
would think plumb line and fix it
did it as well. But I don't

1169
01:35:01.399 --> 01:35:04.439
know. I figured maybe you knew, Tom. No, you know what,

1170
01:35:04.640 --> 01:35:10.880
when it comes to gas, I'm
really not sure on the gas part.

1171
01:35:11.000 --> 01:35:14.640
They'll do the electric for sure.
You can call fix It twenty four

1172
01:35:14.640 --> 01:35:16.960
to seven seven two zero five two
six thirty nine thirty nine. Or you

1173
01:35:17.039 --> 01:35:21.800
can call plumb Line Services for sure
plumb Line Services dot Com three h three

1174
01:35:21.920 --> 01:35:27.760
five eight six ten eighty six.
But I need to I need to,

1175
01:35:27.880 --> 01:35:32.279
really. I wish I would have
known that by heart, but I gas

1176
01:35:32.359 --> 01:35:35.600
has always been a mystery to me
when it comes I'm looking on their website

1177
01:35:35.680 --> 01:35:39.800
right now, and they have plumbing
here. Yes, they do gas lines

1178
01:35:39.800 --> 01:35:45.399
at plumbline yep, okay, And
I'm looking at fixmihome dot com right now.

1179
01:35:45.760 --> 01:35:51.399
But yeah, plumb Line specifically mentions
gas lines. Let's see gas gas

1180
01:35:51.520 --> 01:35:56.800
guess I'm looking here. You think
we all get free estimates on that.

1181
01:35:57.720 --> 01:36:00.359
I don't see it on fix it
site. Yeah, if you get if

1182
01:36:00.399 --> 01:36:02.960
you tell them the scope of work, they're going to give you an idea

1183
01:36:03.039 --> 01:36:08.760
for sure. Well, the only
thing I'm thinking is I should upgrade the

1184
01:36:08.880 --> 01:36:15.319
house to have a you know,
a gas furnace in my Wait a minute,

1185
01:36:15.720 --> 01:36:19.399
wait a minute, what does it
have now, just just a flu

1186
01:36:19.560 --> 01:36:24.520
that goes up through the roof.
Wait wait, wait, but but how

1187
01:36:24.560 --> 01:36:29.760
does it distribute the heat? Oh, I have a furnace for heat.

1188
01:36:30.239 --> 01:36:34.920
It's just a wood fireplace. The
house was built in seventy two. Wait

1189
01:36:35.359 --> 01:36:40.119
so you have a furnace, but
a gas fired furnace already, right?

1190
01:36:41.000 --> 01:36:45.399
Correct? And how and you have
duct work? Right? Yes? Okay,

1191
01:36:45.880 --> 01:36:49.159
So what did you mean what did
you mean when you said you needed

1192
01:36:49.199 --> 01:36:58.279
a gas furnace? Oh, to
burn gas or in in my fireplace as

1193
01:36:58.319 --> 01:37:01.640
opposed to wood. Oh? Well
you have you have wood fireplaces and you'd

1194
01:37:01.720 --> 01:37:06.680
like to convert them to gas.
Yeah? Can you easily get to those

1195
01:37:08.279 --> 01:37:14.279
from the basement? Actually yeah,
very easily, very easily. Yeah.

1196
01:37:14.439 --> 01:37:17.680
Now you're not going to like this, but that they can run the gas

1197
01:37:17.840 --> 01:37:24.000
lines. But there's a whole different
company you want for the actual fireplaces.

1198
01:37:24.239 --> 01:37:29.199
Yeah, got any suggestions? Yeah? I have some good ones. Now

1199
01:37:29.279 --> 01:37:30.439
I don't know who we have on
the referral list, mark, but I

1200
01:37:30.600 --> 01:37:35.079
know that I found some gas people
that did a great job for me when

1201
01:37:35.119 --> 01:37:41.399
I could not find someone on them
in the euro plumbing right now, Tom,

1202
01:37:42.079 --> 01:37:45.000
Yeah, but see, but I'm
talking about gas fireplaces. I don't

1203
01:37:45.000 --> 01:37:47.399
think we have anyone that does.
Smart might have a referral for that as

1204
01:37:47.479 --> 01:37:55.359
well. We just have I have
a personal one that I've used. Let's

1205
01:37:55.399 --> 01:38:00.119
see now the one that I've used
is uh yeah, yeah, so hold

1206
01:38:00.159 --> 01:38:04.520
on, hold on. Dimitar does
do gas line so I get an estimate

1207
01:38:04.600 --> 01:38:08.159
from him too. He'll come out
and give you a free estimate. He's

1208
01:38:08.199 --> 01:38:12.680
the guy that does water heaters for
like thirteen ninety nine and fourteen ninety nine.

1209
01:38:12.760 --> 01:38:15.920
You know. No, No,
they're wonderful, but Mark, he

1210
01:38:15.039 --> 01:38:17.800
doesn't do get and he can do
the gas lines and bring it up to

1211
01:38:17.880 --> 01:38:20.880
where they need it. But as
far as gas fireplaces, I don't think

1212
01:38:20.920 --> 01:38:25.239
he does those, No, he
doesn't. We have a company we have

1213
01:38:25.439 --> 01:38:30.279
out every couple years to do the
cleaning. Do they come from the referral

1214
01:38:30.319 --> 01:38:32.319
list? No, we don't have
any on their referral list. Well,

1215
01:38:32.319 --> 01:38:35.479
I'm going to tell you that locally
here in town they do a great job.

1216
01:38:35.680 --> 01:38:45.399
Is Sage Solutions. I've actually had
them what area in I'm in a

1217
01:38:45.760 --> 01:38:48.640
tech center. Yeah, they'll come
to the tech center for sure. Sage

1218
01:38:49.199 --> 01:38:53.159
Solutions. I don't think the one
I used I was gonna give you.

1219
01:38:53.600 --> 01:38:58.520
They charge it's they're so straightforward.
They come out, they clean, they

1220
01:38:58.680 --> 01:39:02.159
check it, they inspect it,
and everything is one eighty nine. And

1221
01:39:02.319 --> 01:39:09.239
that's for both of our fireplaces.
If I recall, do they install new

1222
01:39:09.319 --> 01:39:13.039
ones? I don't. Actually,
the problem is they're Ada Parker. I

1223
01:39:13.119 --> 01:39:15.800
think they do Douglas County and Douglas
County only, So none of this matters.

1224
01:39:15.840 --> 01:39:19.199
They're not coming out to you now. Like I said, I've had

1225
01:39:19.279 --> 01:39:24.399
them come out to my house and
they've done a great job. So I

1226
01:39:24.479 --> 01:39:29.239
can't guarantee them. But Sage Solutions
was the name. Hold on, I'm

1227
01:39:29.239 --> 01:39:31.880
going to give them one hold on
fireplace. Oh dang it, man,

1228
01:39:31.920 --> 01:39:38.239
they're one of our biggest clients on
our credit card company. Oh my god,

1229
01:39:38.319 --> 01:39:42.560
I can't think of it. Fireplace. Oh man, hold on,

1230
01:39:42.800 --> 01:39:45.199
just keep listening. I promise,
think about it. I'll give you the

1231
01:39:45.359 --> 01:39:47.359
name. Okay, think about it. After the break. We got more

1232
01:39:47.439 --> 01:39:57.760
coming up. Go with a sure
thing Denver's Best rufer Excel roofing dot com.

1233
01:39:57.960 --> 01:40:03.720
You don't pay a cent until you're
content. Time for an insurance checkup

1234
01:40:03.840 --> 01:40:09.199
free, no obligation. In comparison, call Compass insurance paying too much your

1235
01:40:09.239 --> 01:40:13.039
coverage at dozens of insurance companies.
Find out now three all three seven to

1236
01:40:13.079 --> 01:40:15.479
seven to one. Help. You'll
think you're his only customer when you choose

1237
01:40:15.520 --> 01:40:19.960
Frank durand the real estate man dot
com to list your home with Remax Alliance

1238
01:40:20.199 --> 01:40:30.119
three all three nine two zero sixteen
twenty two. Hi Tom Martino here three

1239
01:40:30.359 --> 01:40:33.760
three seven one three talks seven one
three A two five five. All right,

1240
01:40:34.000 --> 01:40:38.199
let's talk. Let's find out what's
on your mind? He real quick.

1241
01:40:38.279 --> 01:40:43.159
I found these guys are great.
They have been with merchants first,

1242
01:40:43.239 --> 01:40:45.960
our credit card processing company, Tom
forever. They're great. I got to

1243
01:40:45.960 --> 01:40:50.159
get him on the referral list.
But it's Colorado Hearth and Home. This

1244
01:40:50.399 --> 01:40:56.640
is for that last guy. So
the website is Colorado Hearth and I am

1245
01:40:56.720 --> 01:41:00.119
telling you all they do is fireplaces. They got at, they got gas,

1246
01:41:00.359 --> 01:41:03.239
they got it all. They're great
people. Now, Greg, you

1247
01:41:03.359 --> 01:41:08.039
have a comment on TurboTax. Go
ahead, Greg, And yeah, by

1248
01:41:08.159 --> 01:41:11.359
coincidence, first call you had today
when you were talking about the guy who

1249
01:41:11.520 --> 01:41:15.279
lost all his turbo right information,
he just said on an upgrade, on

1250
01:41:15.399 --> 01:41:17.960
an update, and I think that's
impossible. To go ahead. That's exactly

1251
01:41:18.039 --> 01:41:23.600
what happened to me go with a
sure thing Denver's best roofer Excel Roofing dot

1252
01:41:23.720 --> 01:41:30.359
com. You don't pay a cent
until you're content. Time for an insurance

1253
01:41:30.479 --> 01:41:34.000
checkup free, no obligation. In
comparison, call Compass Insurance paying too much

1254
01:41:34.159 --> 01:41:39.399
your coverage at dozens of insurance companies
find out now three O three seven seven

1255
01:41:39.439 --> 01:41:43.199
to one help. You'll think you're
his only customer when you choose Frank durand

1256
01:41:43.239 --> 01:41:46.640
the real estate Man dot com to
list your home with Remax Alliance three oh

1257
01:41:46.680 --> 01:42:03.199
three nine two zero sixteen twenty two. You don't have come runing just as

1258
01:42:03.600 --> 01:42:10.960
as we can. Shoot is gonna
help? Come man, This is the

1259
01:42:11.159 --> 01:42:17.520
Troubleshooter Show. No Tom Martino,
Hi Tom Martino, your trouble Shooter three

1260
01:42:17.600 --> 01:42:21.760
oh three seven one three talk seven
one three eight two five five. We're

1261
01:42:21.800 --> 01:42:25.920
here talking about problems. Question plays
by the way, Kevin Calkins shared an

1262
01:42:25.920 --> 01:42:28.840
autotech is here. As I said, had been a slow as far as

1263
01:42:28.920 --> 01:42:31.079
the car day goes. But we've
had a lot of calls and a great

1264
01:42:31.279 --> 01:42:36.920
called with an interesting comment. I
want to revisit this. So one guy

1265
01:42:38.119 --> 01:42:41.960
called and and if you know anything
about computers and software and all this,

1266
01:42:42.319 --> 01:42:45.640
you'll see why I was perplexed.
A guy calls and says, Tom,

1267
01:42:45.680 --> 01:42:49.479
I have the desktop version of TurboTax. And the best way to explain that

1268
01:42:49.680 --> 01:42:56.159
is this. It's a simply a
program. It's on your computer locally.

1269
01:42:56.600 --> 01:43:01.039
You don't log on. You simply
open it and you do your taxes and

1270
01:43:01.199 --> 01:43:06.560
it creates a PDF file. This
guy claims he had no online access,

1271
01:43:08.359 --> 01:43:15.720
simply his desktop. Now, maybe
the desktop communicates with the server to make

1272
01:43:15.760 --> 01:43:19.640
sure it's validated. I don't know
like word does. But in any case,

1273
01:43:21.199 --> 01:43:26.479
he opens it up and it says
you need an update, or an

1274
01:43:26.560 --> 01:43:30.600
update is available. You know how
that happens when you open a program.

1275
01:43:30.720 --> 01:43:35.840
So he accepted the update, so
it updates it and reopens it. We've

1276
01:43:35.880 --> 01:43:44.880
all done updates, he said.
After that update, his individual PDF files

1277
01:43:45.000 --> 01:43:51.800
that were created for past tax returns
were all deleted. In fact, he

1278
01:43:51.960 --> 01:43:59.279
said, not only were they deleted
on his hard drive, but some of

1279
01:43:59.359 --> 01:44:04.279
them were kept on a remote hard
drive which is plugged into or an external

1280
01:44:04.359 --> 01:44:10.319
remote drive, and it went into
that external remote drive and deleted them.

1281
01:44:10.680 --> 01:44:15.319
And I thought, there's nothing that
I know of. Ever. In fact,

1282
01:44:15.880 --> 01:44:20.800
let's take for example, Final cut
pro I have Final Cut Pro and

1283
01:44:20.960 --> 01:44:26.239
it makes movies, right, I
make movies. Once they're rendered, they

1284
01:44:26.359 --> 01:44:31.760
become a separate movie file. That
would be akin to me upgrading Final Cut

1285
01:44:31.840 --> 01:44:41.239
Pro and finding out it's done away
with all of my associated files. So

1286
01:44:41.479 --> 01:44:45.880
I don't know how it could happen. But Greg called and said Tom,

1287
01:44:45.079 --> 01:44:48.880
because I said, to this guy, I can find no one this has

1288
01:44:48.960 --> 01:44:55.199
happened to Greg calls instead it happened
to me. Now, Greg, did

1289
01:44:55.279 --> 01:45:00.199
you have the desktop version? Only
right? I went down to Best Buy

1290
01:45:00.279 --> 01:45:03.119
and I bought a CD, got
it, and I download downloaded on my

1291
01:45:03.279 --> 01:45:10.640
computer. I created my income tax
form, printed it off the PDF like

1292
01:45:10.760 --> 01:45:14.600
you said, mailed. I mailed
it in that time. I didn't do

1293
01:45:14.720 --> 01:45:19.640
an electronic file to the I r
S or anything. It was all what

1294
01:45:19.840 --> 01:45:26.520
I sent in from TurboTax and and
I got the upgrade thing. So,

1295
01:45:26.880 --> 01:45:30.319
like you said, I think it's
like Microsoft, when you log in they

1296
01:45:30.359 --> 01:45:34.039
got a newer version, it recognizes
you've got it on your computer. And

1297
01:45:34.720 --> 01:45:40.039
so so that that was what happened. And then this was like the first

1298
01:45:40.079 --> 01:45:42.800
time I ever used Turbotype. No
wait a minute, So when you updated

1299
01:45:42.840 --> 01:45:49.039
it, you then lost your PDFs
yes, it lost all of the files

1300
01:45:49.119 --> 01:45:54.119
I had and disliked the guy that
called this morning. I had an external

1301
01:45:54.159 --> 01:45:59.119
hard drive where I saved the backup
and the files were nowhere, and I

1302
01:45:59.239 --> 01:46:03.319
called it was I mean, I
am just blown away. I don't know

1303
01:46:03.439 --> 01:46:12.079
how it happens. I mean they
were It probably happens all the time.

1304
01:46:12.159 --> 01:46:15.600
But when you call up their Texas
Park, they say, oh, you're

1305
01:46:15.640 --> 01:46:21.760
the only one technically, technically,
can you think how is Yes, I'll

1306
01:46:21.800 --> 01:46:26.479
tell you, I'll tell you.
Okay, technically it could be like this.

1307
01:46:27.359 --> 01:46:30.640
The files one year were called dot
whatever the hell, and then when

1308
01:46:30.680 --> 01:46:35.399
they did the upgrade and they rename
what the files are? When you go

1309
01:46:35.560 --> 01:46:39.359
to try to open them up in
the new version and you look, they're

1310
01:46:39.439 --> 01:46:43.560
not there because they have a different
ending, a dot something else mark,

1311
01:46:43.560 --> 01:46:46.960
they're PDFs. They're all PDFs.
They have always you're asking me what I

1312
01:46:47.119 --> 01:46:49.840
think could happen. I mean,
I'm trying to think. I guess if

1313
01:46:49.840 --> 01:46:54.000
they were not PDF? So Greg, were they PDF files or not?

1314
01:46:55.159 --> 01:47:00.159
Well, sometimes the PDF is not
a PDF, it's like an SPX.

1315
01:47:01.239 --> 01:47:08.680
Well then that makes okay, Well
then I every time I've saved anything from

1316
01:47:08.960 --> 01:47:12.239
Turbo, it was a PD.
Well maybe I'm saying it's a PDF and

1317
01:47:12.319 --> 01:47:15.159
it's not. Maybe I'm just misleading
you guys. So you're telling me the

1318
01:47:15.319 --> 01:47:23.479
data files. If the data files
were truly saved by a TurboTax as a

1319
01:47:23.680 --> 01:47:29.239
turbo tax file, then I can
see where an upgrade could screw them.

1320
01:47:30.319 --> 01:47:34.640
And that's apparently what happened. And
I'll have to say when I called TurboTax,

1321
01:47:34.760 --> 01:47:38.840
I spent about an hour and they
did a lot of research on it,

1322
01:47:39.359 --> 01:47:45.439
and then they said you can get
your you know, the original file

1323
01:47:45.520 --> 01:47:47.439
from the I R S And they
paid for it for me to do that

1324
01:47:48.000 --> 01:47:53.239
because they said it was their mistake
of some kind. And you know,

1325
01:47:53.319 --> 01:47:57.600
I didn't have any really complicated income
tax so it wasn't such a big Okay,

1326
01:47:57.680 --> 01:48:00.199
here's what it says, and here's
what it says. I I just

1327
01:48:00.279 --> 01:48:10.520
went to my old standby chat GPT
TurboTax uses a proprietary file format to store

1328
01:48:10.720 --> 01:48:15.079
tax data files. Okay, there
you go, So I am no longer

1329
01:48:15.199 --> 01:48:21.279
mystified. I mean, this guy
said pdf, pdf, pdf. Everyone

1330
01:48:21.479 --> 01:48:29.800
was saying PDF. So it's not
PDF. And okay, so if it

1331
01:48:30.079 --> 01:48:34.199
is a proprietary file, I'm going
to tell you this right now. When

1332
01:48:34.279 --> 01:48:38.600
I do Now, let me get
back to Final Cut Pro. When I

1333
01:48:38.720 --> 01:48:43.680
do Final Cut Pro and I make
a movie, I export it as a

1334
01:48:43.960 --> 01:48:47.319
separate, standalone file, and that
could be exported if I don't know Final

1335
01:48:47.359 --> 01:48:50.960
Cut but I know other stuff.
You could do it in different extensions,

1336
01:48:51.079 --> 01:48:57.880
right or is it only one that's
right now? If I save the project

1337
01:48:58.119 --> 01:49:02.640
within Final Cut Pro, it's proprietary
to Final Cut Pro, just like my

1338
01:49:03.760 --> 01:49:10.319
audio programs are from Amadeus and all
of those Adobe. Okay, so here

1339
01:49:10.560 --> 01:49:15.760
Premiere. So here's what happens if
I save it in the Final Cut Pro

1340
01:49:15.960 --> 01:49:20.439
format and I update Final Cut Pro. Sometimes when I go to open that

1341
01:49:20.640 --> 01:49:26.880
data file, it says it must
convert it to the new format. So

1342
01:49:27.800 --> 01:49:30.159
but I never saw it a race
one. Still, but still I can

1343
01:49:30.239 --> 01:49:36.039
at least see where there's a connection, because what I found shocking was how

1344
01:49:36.279 --> 01:49:44.159
it would go out and search out
PDF files and simply arbitrarily delete them because

1345
01:49:44.239 --> 01:49:48.359
it doesn't know it's even a TurboTax
file. Now, at least we have

1346
01:49:48.880 --> 01:49:53.520
I've shed some light on it.
When Mark said maybe it's a different extension,

1347
01:49:53.880 --> 01:49:57.720
and I looked at Chat, it
says yes, TurboTax does not save

1348
01:49:57.880 --> 01:50:01.600
its files as PDFs. You can
export a PDF, but it normally has

1349
01:50:01.680 --> 01:50:06.039
a proprietary file format. Now the
mystery is solved to me. I mean,

1350
01:50:06.840 --> 01:50:12.399
somehow it erased its own file,
its own data files. Now,

1351
01:50:12.800 --> 01:50:17.079
sometimes the way that happens is with
updates, you have two ways to update.

1352
01:50:17.760 --> 01:50:24.920
One is to update, the other
is to replace. Sometimes you can

1353
01:50:25.079 --> 01:50:30.880
actually delete and replace. Some updates
do that, Others just go in and

1354
01:50:31.119 --> 01:50:35.880
update. And so maybe there was
something there that destroyed the data files.

1355
01:50:35.880 --> 01:50:41.680
Again, I'm just guessing. I
have no freaking idea. I'm just guessing.

1356
01:50:42.079 --> 01:50:45.319
So Mike has a comment as well. Go ahead, Mike, what

1357
01:50:45.520 --> 01:50:55.079
is your comment? Mital photographer and
digital file management dictates that you have three

1358
01:50:55.199 --> 01:51:02.600
copies of every file that you maybe
one on your laptop, one on an

1359
01:51:02.680 --> 01:51:09.079
external hard drive in your house,
and one on an external hard drive at

1360
01:51:09.199 --> 01:51:15.960
some other physical location or the cloud. I would urge everyone to put a

1361
01:51:15.159 --> 01:51:23.359
reminder on their phone once a week
to do their backup on the external hard

1362
01:51:23.479 --> 01:51:29.239
drive and then disconnect it for the
rest of the week, so that a

1363
01:51:29.359 --> 01:51:38.399
situation like this probably can't happen.
Yeah, you know what, that's really

1364
01:51:38.600 --> 01:51:42.319
wise, really I now. What
I do is I have one locally on

1365
01:51:42.439 --> 01:51:45.640
my computer. I have one in
the cloud and one on a remote hard

1366
01:51:45.720 --> 01:51:48.399
drive, which is digital, by
the way, so I don't have the

1367
01:51:48.479 --> 01:51:54.399
mechanical breakdown the digital you know,
the the solid state drive. I totally

1368
01:51:54.479 --> 01:52:00.239
agree with you, Mike, totally
right, and just leave it disconnect the

1369
01:52:00.319 --> 01:52:04.640
rest of the time. Also,
a good program for backing up your files

1370
01:52:05.720 --> 01:52:13.199
is called good Sync GOO d S
y n C, and it's smart enough

1371
01:52:13.680 --> 01:52:24.079
to analyze the location of the files
on your laptop and your external hard drive,

1372
01:52:24.880 --> 01:52:30.159
figure out where there's a difference,
and you can set it to make

1373
01:52:30.279 --> 01:52:34.000
both sides equal so it will know
which files are new, which files have

1374
01:52:34.119 --> 01:52:43.479
been modified, and transfer copy the
files from your laptop to your external hard

1375
01:52:43.560 --> 01:52:47.239
drive that need to be copied.
Very good, Very good, and listen,

1376
01:52:47.520 --> 01:52:53.600
I don't use the sync program because
I simply do fresh installs when I

1377
01:52:53.680 --> 01:52:57.600
do backups now, and there's a
reason I do that. It's a long

1378
01:52:57.680 --> 01:53:02.600
story, but I see the whiz
them in some of these sink files now

1379
01:53:02.720 --> 01:53:06.720
I do. I am a big
believer in a cloud service. I use,

1380
01:53:06.800 --> 01:53:13.199
of course Google Drive. I use
also I have Google Drive and I

1381
01:53:13.359 --> 01:53:17.520
have Dropbox. I think I have
one drive just because it comes with Microsoft.

1382
01:53:19.239 --> 01:53:27.760
But then recently I got another cloud
service that you can encrypt, and

1383
01:53:28.319 --> 01:53:30.960
I just I don't know why I
got to be, but I just wanted

1384
01:53:31.000 --> 01:53:33.840
to have it so in case I
have to encrypt stuff and leave it up

1385
01:53:33.880 --> 01:53:41.520
there, I can. But do
you like cloud services? No, because

1386
01:53:41.560 --> 01:53:46.840
I have no control over who accesses
the cloud or what they're using it for.

1387
01:53:47.399 --> 01:53:49.880
Well, one of my files are
on the cloud, okay, but

1388
01:53:50.039 --> 01:53:54.800
you do have log in credentials,
right, Are you afraid that a hack

1389
01:53:54.840 --> 01:53:59.600
could get to them. I'm afraid
that a hack could get to them and

1390
01:54:00.560 --> 01:54:02.479
steal them or use them however they
see. No, I guess you're right.

1391
01:54:03.840 --> 01:54:06.840
You know what's wonderful. And by
the way, I agree with you.

1392
01:54:08.039 --> 01:54:11.560
And that's why you air gap everything
on the remote drive. I get

1393
01:54:11.640 --> 01:54:15.600
it. Now. Here's the thing, and I think I hate even to

1394
01:54:15.720 --> 01:54:20.520
say it because I don't want to
jinx it. But Google has never been

1395
01:54:20.600 --> 01:54:27.760
hacked. Now, accounts have been
hacked, but no one has ever gotten

1396
01:54:27.840 --> 01:54:32.439
into the barge or on their servers
or anything. And Rekavic, I don't

1397
01:54:32.479 --> 01:54:36.279
know how they've done it, but
Google has never been hacked. In that

1398
01:54:36.439 --> 01:54:42.960
way where they've had massive data breaches
on their drives. In two thousand and

1399
01:54:43.039 --> 01:54:46.479
nine, a group of hackers working
for the Chinese government penetrated the servers of

1400
01:54:46.600 --> 01:54:53.640
Google and other prominent American companies such
as Yahoo and Now Chemicals. But they

1401
01:54:53.720 --> 01:54:57.359
didn't get data mark they got user
information. Yeah, I don't know what

1402
01:54:57.479 --> 01:55:01.239
they got. But don't you think
Google, I mean, maybe they're not.

1403
01:55:01.399 --> 01:55:04.359
I mean, I don't even know
how Google does some of the problems.

1404
01:55:04.399 --> 01:55:08.000
Is you think of the US government. Most of the hacks we had

1405
01:55:08.079 --> 01:55:11.800
were insiders. There were people that
worked for the company and add access to

1406
01:55:11.960 --> 01:55:14.359
it, and they copied it and
got it out. So I mean,

1407
01:55:14.439 --> 01:55:18.119
I would think a Google employee that
was very upset with the hierarchy of Google

1408
01:55:18.439 --> 01:55:21.479
could steal whatever they wanted, you
know what I'm saying. Yeah, Yeah,

1409
01:55:21.560 --> 01:55:26.199
you're right, there's nothing to you
can't. I guess you can't do

1410
01:55:26.319 --> 01:55:30.279
away with dishonesty completely because a lot
more hacks that we deal with on this

1411
01:55:30.359 --> 01:55:33.840
show all the time, they're phishing
schemes. They conned someone into giving them

1412
01:55:33.920 --> 01:55:39.000
the password. It's not like they
guessed it, I know it more coming

1413
01:55:39.079 --> 01:55:47.439
up go with a sure thing Denver's
best roofer Excel Roofing dot com. You

1414
01:55:47.479 --> 01:55:55.479
don't pay a cent until you're content
time for an insurance check up free,

1415
01:55:55.600 --> 01:56:00.279
no obligation. In comparison, call
Compass Insurance paying too much your covering had

1416
01:56:00.319 --> 01:56:02.960
dozens of insurance companies find out now
three O three seven to seven to one

1417
01:56:03.079 --> 01:56:06.760
help. You'll think you're his only
customer when you choose Frank durand the real

1418
01:56:06.840 --> 01:56:12.560
estate Man dot com to list your
home with Remax Alliance three three nine two

1419
01:56:12.640 --> 01:56:19.720
zero sixteen twenty two. Hey,
I'm Tom Martino. You're troubleshooter. Mike.

1420
01:56:20.920 --> 01:56:24.960
You have a you have a question
on a floor jack. I'm not

1421
01:56:25.079 --> 01:56:27.840
sure what it is. Go ahead, Service night. Yes, that's a

1422
01:56:27.960 --> 01:56:32.359
question for Mark. Uh. I've
borrowed aluminum floor jack from my neighbor and

1423
01:56:32.600 --> 01:56:36.039
I put under the frame of a
car. And uh it was on a

1424
01:56:36.119 --> 01:56:42.520
piece of plywood because I have a
dirt driveway, and uh to tilted a

1425
01:56:42.600 --> 01:56:47.479
couple of times and I turn twisted
to handle back counter clockwise rather abruptly,

1426
01:56:48.119 --> 01:56:54.560
and so it didn't tip over.
But now when I tried to raise the

1427
01:56:54.640 --> 01:56:59.000
frame up, there's something bent and
it won't raise a frame and I'm wondering

1428
01:56:59.079 --> 01:57:02.680
if Mark knows if there is a
catch out of alignment inside the handle,

1429
01:57:02.960 --> 01:57:06.680
or does he know what we might
be able to do to say? Now,

1430
01:57:06.800 --> 01:57:10.760
now, hold on a second.
First of all, you're talking about

1431
01:57:11.279 --> 01:57:15.960
you think the aluminum floorjack is bent
or the vehicle? Yes, the floorjack,

1432
01:57:16.279 --> 01:57:20.039
Mark, do you have any spece
I heard this guy's voice before.

1433
01:57:20.039 --> 01:57:26.039
I'm very suspicious. I'm gonna leave
it his d But no, I don't

1434
01:57:26.039 --> 01:57:29.640
even know why he would ask Mark
about a floor I don't know how to

1435
01:57:29.760 --> 01:57:32.600
rebuild a floorjack handle, if that's
your question. No, it's one of

1436
01:57:32.680 --> 01:57:36.880
the floor jack summer what Harbor Freight
sales from around one hundred and fifty.

1437
01:57:38.479 --> 01:57:43.520
Why would Mark know about those?
Because possibly he might have had some experience

1438
01:57:43.640 --> 01:57:46.600
with him. I probably do own
one, but it's never broke on me.

1439
01:57:47.079 --> 01:57:51.159
So the floorjack is bent. It's
aluminum, right, Yes, my

1440
01:57:51.319 --> 01:57:57.159
neighbor has advice on his work bench. Do you know of anything he could

1441
01:57:57.199 --> 01:58:00.079
do with it to maybe put it
in the advice and tab it with the

1442
01:58:00.159 --> 01:58:02.960
hammer and bend it back straight?
Well, well, why wouldn't you try

1443
01:58:03.079 --> 01:58:06.840
that? I mean, how did
I start off this conversation? Okay,

1444
01:58:08.680 --> 01:58:13.800
you're suspicious. But why his voice? I just know I don't know him

1445
01:58:13.880 --> 01:58:17.359
personally like this, it sounds like
a pretty No, it just sounds like

1446
01:58:17.439 --> 01:58:20.600
a weird question. You bent the
floor jack. You want to know if

1447
01:58:20.600 --> 01:58:24.199
you can straighten it up? You
try? I mean, what harm will

1448
01:58:24.239 --> 01:58:29.399
it do? Yes? Yeah,
yeah. I wondered if Mark was Famillier

1449
01:58:29.560 --> 01:58:32.600
with a catch inside the handle that
might be out of alignment, and he

1450
01:58:32.760 --> 01:58:35.840
might be able to take the screws
out of the handle and take it apart

1451
01:58:35.920 --> 01:58:41.640
and find the catch. I have
okay, put him on home. I

1452
01:58:42.399 --> 01:58:45.279
don't even know where this call's going. I have no idea. Well,

1453
01:58:45.359 --> 01:58:47.600
in about fifteen minutes, we'd know
where it was going if we embrace it.

1454
01:58:47.600 --> 01:58:50.119
If you want to make a joke, though, Mike, the way

1455
01:58:50.239 --> 01:58:55.000
to do it is quicker, because
I don't know if he knows how to

1456
01:58:55.079 --> 01:58:59.600
take the handle out and find the
catch. But in any case, technically,

1457
01:58:59.800 --> 01:59:02.079
if you had a floor jack,
and I'm serious, and it bent

1458
01:59:02.560 --> 01:59:08.840
being underneath the car for some reason, do you know that one of the

1459
01:59:09.039 --> 01:59:13.680
best places for returns and replacements is
Harbor Freight, even though they have a

1460
01:59:13.720 --> 01:59:15.600
bunch of cheap craps. Some of
it not all of it. Some of

1461
01:59:15.680 --> 01:59:21.800
it's really good stuff, honest to
God. But they will almost take anything

1462
01:59:21.920 --> 01:59:27.479
back and replace it if it had
a failure, unless you just flat out

1463
01:59:27.520 --> 01:59:33.159
were ridiculous, But they will.
That guy waited a long time to as

1464
01:59:33.279 --> 01:59:36.920
given there's a catch there is,
I mean there always is with him.

1465
01:59:38.000 --> 01:59:42.000
You don't recognize that voice. I'm
shocked. Well, I think, as

1466
01:59:42.039 --> 01:59:45.960
he's always gunning for me. I
think, really, that's it. The

1467
01:59:45.279 --> 01:59:49.760
he's one of my favorite haters that
loves me and thinks about me all the

1468
01:59:49.880 --> 01:59:55.000
time. Why do you think that? Do you just recognize them? I

1469
01:59:55.079 --> 01:59:59.359
recognize his voice. Mark's the skeptic
by nature. That's the club that marks.

1470
01:59:59.439 --> 02:00:02.000
That's is spelled paranoia. No,
no, no, I'm telling you.

1471
02:00:02.279 --> 02:00:05.399
Okay, maybe you guys shall know
it. That's right, son to

1472
02:00:05.479 --> 02:00:15.920
know something. Chicago is passing a
bill that will now not permit cops.

1473
02:00:17.119 --> 02:00:26.880
It will prohibit them from stopping cars
for no license plates, expired license plates,

1474
02:00:28.399 --> 02:00:34.439
or shootout speeding, or excessively tinted
windows. Basically, this is another

1475
02:00:34.560 --> 02:00:39.720
way that this is the truth.
This is another way this law reads.

1476
02:00:39.880 --> 02:00:45.640
It's new Jack City down there,
gang bangers, welcome to Chicago. Come

1477
02:00:45.720 --> 02:00:50.479
one. Come all, you get
your windows tinted as dark as possible and

1478
02:00:50.800 --> 02:00:56.159
no license plates, no problem,
do your drive bys. Don't worry about

1479
02:00:56.199 --> 02:01:01.199
it. I swear to God.
It is if just when you think people

1480
02:01:01.399 --> 02:01:11.560
could not be more stupid, they
pass laws every single day to make people

1481
02:01:13.119 --> 02:01:16.600
it easier for people to be criminals. And why for the rest of us?

1482
02:01:17.680 --> 02:01:24.079
Now the reason the person introduced this
bill one word. Guess what it

1483
02:01:24.399 --> 02:01:32.760
is to avoid? What avoid?
What? Racism? Exactly? Now?

1484
02:01:32.880 --> 02:01:38.319
Seriously, you didn't even have to
google that. So now, but think

1485
02:01:38.399 --> 02:01:44.039
of how racist they are saying that. I mean, really think about this.

1486
02:01:44.720 --> 02:01:55.119
They stopped enforcing shoplifting because of racism, They stopped enforcing heavily tinted windows

1487
02:01:55.399 --> 02:02:02.560
because of racism. They stopped enforcing
no license plates because of racism. What

1488
02:02:02.880 --> 02:02:09.840
are they saying about black people?
For God's sakes? I mean they're insulting

1489
02:02:09.920 --> 02:02:15.000
them. These very laws are insulting
black people. I mean it's not it's

1490
02:02:16.039 --> 02:02:20.079
oh my god, it's like,
don't worry, little buddy, We're gonna

1491
02:02:20.079 --> 02:02:23.640
take care of you. I don't
know if I don't know if you know

1492
02:02:23.760 --> 02:02:28.239
this, but a lot of law
schools now starting I think in twenty twenty

1493
02:02:28.359 --> 02:02:31.720
five. They got rid of the
l SATs. You had to pass the

1494
02:02:31.760 --> 02:02:35.439
EL SATs to get into law school
or get whatever score. They're getting rid

1495
02:02:35.479 --> 02:02:40.640
of it because the L SATs are
racist. So are the SATs. It's

1496
02:02:40.840 --> 02:02:45.039
amazing are the acts, but some
of the We're gonna have a very interesting

1497
02:02:45.199 --> 02:02:49.039
group of lawyers over the next ten
years. However, I will say this,

1498
02:02:49.239 --> 02:02:55.399
Okay, all joking aside some of
the SATs in the past and acts,

1499
02:02:55.520 --> 02:02:59.960
I didn't I do know the point
they're trying to make that I don't

1500
02:03:00.000 --> 02:03:03.239
don't know if I call them racist, but they're biased towards certain demographics.

1501
02:03:03.279 --> 02:03:08.279
They really are, because some of
them, you know, they take the

1502
02:03:09.000 --> 02:03:12.880
form of the questions, and then
the answers are within the court, you

1503
02:03:12.920 --> 02:03:15.960
know, within the paragraph. They
state it and then ask questions. But

1504
02:03:15.479 --> 02:03:24.439
here's the thing on some of that
stuff, they're stories that are mainly mainstream.

1505
02:03:25.000 --> 02:03:30.359
In the past, they were mainstream
white stories or white narratives. I

1506
02:03:30.479 --> 02:03:34.119
could see that. Okay, Now
you don't necessarily want you know, gang

1507
02:03:34.279 --> 02:03:40.319
stories or or whatever, but you
don't or or but you don't want it

1508
02:03:40.439 --> 02:03:43.439
all one way or the other.
I don't know about L Satz. By

1509
02:03:43.479 --> 02:03:45.680
the way. I have no idea
as far as the form they take it.

1510
02:03:45.800 --> 02:03:48.960
They're pretty standardized, man, I
mean really, they're very much like

1511
02:03:49.079 --> 02:03:53.920
the SATs. They're not looking for
like a multiple choice answer. They're trying

1512
02:03:53.960 --> 02:03:56.720
to figure out if you've got a
brain to get through law school. But

1513
02:03:56.880 --> 02:04:00.840
now anybody can basically get in.
I just wonder how much money it's going

1514
02:04:00.880 --> 02:04:02.720
to waste a lot of people,
because I assume you still got to pass

1515
02:04:02.800 --> 02:04:05.079
the bar. Now, when they
vote to get rid of the bar,

1516
02:04:05.439 --> 02:04:10.039
which will probably happen in Denver pretty
soon, then then it's going to be

1517
02:04:10.119 --> 02:04:13.000
an all out wild wild West.
Baby. You know, they're having several

1518
02:04:13.159 --> 02:04:16.600
underdog where you can, if you
can after you graduate from law school,

1519
02:04:16.960 --> 02:04:19.800
if you are mentored in a law
firm for one or two years, you

1520
02:04:19.960 --> 02:04:24.039
don't have to take the bar exam. I've never heard of that. Oh

1521
02:04:24.119 --> 02:04:27.159
come on, who said that?
Tom? I will bet you at dinner

1522
02:04:27.520 --> 02:04:30.039
that there are states. I think
it's California where you know, you have

1523
02:04:30.119 --> 02:04:34.119
to graduate from law school, you
have to be mentored in a law firm

1524
02:04:34.159 --> 02:04:36.920
for one or two years, and
then you get accepted. You don't have

1525
02:04:38.039 --> 02:04:41.600
to take the bar exam. Okay, we'll see about that. How do

1526
02:04:41.680 --> 02:04:44.359
you even get a bar number?
Then you're saying you don't have to take

1527
02:04:44.439 --> 02:04:46.479
the exam, but you pass the
bar, Well, you have to be

1528
02:04:46.600 --> 02:04:50.479
registered to take and break guys,
hold on, I'm Tom Martino three oh

1529
02:04:50.560 --> 02:04:54.039
three seven to one three talk seven
or three eight two five. Before we

1530
02:04:54.119 --> 02:04:56.880
take a break, I want to
tell you. Denver Region dot com.

1531
02:04:57.319 --> 02:05:00.239
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02:05:00.239 --> 02:05:04.640
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1534
02:05:15.880 --> 02:05:19.079
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02:05:19.119 --> 02:05:27.479
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02:05:27.640 --> 02:05:32.239
comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find

1537
02:05:32.239 --> 02:05:35.399
out now three all three seven to
seven to one help. You'll think you're

1538
02:05:35.479 --> 02:05:40.319
his only customer when you choose Frank
durand the real estate Man dot com to

1539
02:05:40.479 --> 02:05:45.159
list your home with Remax Alliance three
A three nine two zero sixteen twenty two.

1540
02:05:51.520 --> 02:05:57.800
Hi Tom Martine. Here, Bob's
got a question. Go ahead,

1541
02:05:57.840 --> 02:06:01.000
Bob, Tom, So, just
to refresh your memory a little bit,

1542
02:06:01.079 --> 02:06:06.479
you helped me back in like nineteen
ninety six or ninety seven with a crematorium

1543
02:06:06.640 --> 02:06:11.039
in Lake wid Yeah, I remember
that. Yeah, uh huh, all

1544
02:06:11.119 --> 02:06:16.359
right, okay, So my reason
recalling is evidently this year it's new and

1545
02:06:17.079 --> 02:06:21.399
I found it actually on the Secretary
of State's website. It's a form that

1546
02:06:21.520 --> 02:06:28.439
you have to fill out if you
own businesses. It's called Beneficial Ownership Information

1547
02:06:28.880 --> 02:06:33.560
Reporting Form What and yep, it's
yep, yep. Is it a state

1548
02:06:33.720 --> 02:06:40.479
form? This is? It goes
actually to the FED. I guess so.

1549
02:06:41.000 --> 02:06:43.800
And I verified this because I got
this letter in the main Wait,

1550
02:06:43.840 --> 02:06:47.159
wait, is it part of your
tax return? No? No, this

1551
02:06:47.399 --> 02:06:50.680
is a form you don't like when
you when you own an LLC or a

1552
02:06:50.760 --> 02:06:55.840
corporation or whatever, you have to
fill out paperwork with the Secretary of State

1553
02:06:55.920 --> 02:06:58.720
every year. So well you have
to. Yes, that's right, it's

1554
02:06:58.760 --> 02:07:03.760
a periodic report, right, right. So this is from the state of

1555
02:07:03.840 --> 02:07:09.640
Colorado. However, there's a company
that sent this to me is called CPS

1556
02:07:10.560 --> 02:07:13.720
out of Washington, DC, and
they want to fill the form out for

1557
02:07:13.920 --> 02:07:18.319
me. Now I understand what is
it called. It's called beneficial what Beneficial

1558
02:07:18.680 --> 02:07:26.720
Ownership Information Reporting Form? And you
can find it on the Secretary of State's

1559
02:07:26.800 --> 02:07:30.680
website. Okay, but again you
keep going back and forth. Is it

1560
02:07:30.800 --> 02:07:35.319
a state or is it a federal
thing? It's on the state's site.

1561
02:07:36.079 --> 02:07:43.399
But the way that I read it, it's called Financial Crime and Enforcement Network

1562
02:07:43.560 --> 02:07:47.520
goes to the United States Department of
Treasury. So it's on the state's website.

1563
02:07:47.840 --> 02:07:51.600
But evidently it's federal and it's a
form that you have to fire.

1564
02:07:51.840 --> 02:07:55.359
Tom. It sounds like a third
party is just trying to do it to

1565
02:07:55.479 --> 02:07:58.520
make no, of course, and
that's the way they do it with corporate

1566
02:07:58.600 --> 02:08:01.119
reports as well. They are with
all kinds of stuff. That's right.

1567
02:08:01.239 --> 02:08:05.800
They make it sound like they're official, and they charge you for it.

1568
02:08:05.800 --> 02:08:09.279
Right. No, but this is
official. It's on the Secretary of State's

1569
02:08:09.319 --> 02:08:13.720
webin. No, No, Bob, I'm not saying it's not official.

1570
02:08:13.760 --> 02:08:18.960
I'm saying CPS is not official.
I know that they want to charge one

1571
02:08:18.000 --> 02:08:20.920
hundred and ninety five dollars and there's
no way in hell I would pay that.

1572
02:08:22.000 --> 02:08:24.159
No, I get it, right, tom right. So it's something

1573
02:08:24.199 --> 02:08:26.399
I can fill out myself in ten
minutes. You know, they just want

1574
02:08:26.439 --> 02:08:30.119
to make one hundred nine. So
what's the whole point though, No,

1575
02:08:30.279 --> 02:08:33.800
but you're right about that. But
there are a lot of things like that

1576
02:08:33.000 --> 02:08:37.479
that companies And how about those posters
you got to put up that, you

1577
02:08:37.560 --> 02:08:39.560
know, say if you get hurt
on the job or your rights. They've

1578
02:08:39.600 --> 02:08:43.960
got companies that'll that make it sound
like you got to pay them four hundred

1579
02:08:43.000 --> 02:08:46.199
bucks for these where you can print
them out from the state, and companies

1580
02:08:46.239 --> 02:08:50.479
that will get a passport for you
for a feb That's not my point,

1581
02:08:50.560 --> 02:08:52.960
guys. My point is just to
make you aware. If you didn't know

1582
02:08:54.119 --> 02:08:58.840
that there's a form that you're required
to fill out if you've had a business

1583
02:08:58.079 --> 02:09:03.359
in effect since before January first of
this year, you have one year to

1584
02:09:03.439 --> 02:09:07.840
fill it out and if you don't, you can be fined. I've never

1585
02:09:07.000 --> 02:09:11.600
heard of it before. And Suzanne, you've just renewed. I have sent

1586
02:09:11.680 --> 02:09:15.079
you at least four or five renewals
in the last month. I don't even

1587
02:09:15.159 --> 02:09:18.239
know for what companies. Did you
have to file any forms? No,

1588
02:09:18.439 --> 02:09:22.760
Mark, I just did the Secretary
of State. That's what I'm Secretary of

1589
02:09:22.920 --> 02:09:26.399
State. You know, periodic report
is what I filled out. That's what

1590
02:09:26.439 --> 02:09:28.720
I'm saying. This a whole new
thing. I know. I'm looking at

1591
02:09:28.760 --> 02:09:33.640
it. See what I'm saying.
It says many companies. Okay, I

1592
02:09:33.760 --> 02:09:39.159
required to report this, but beneficial
Ownership Information reporting I'm reading about it.

1593
02:09:41.520 --> 02:09:45.840
Apparently not all companies, but some. It says many. I don't know

1594
02:09:45.880 --> 02:09:50.439
what that means. It's well,
there's a list of them that like,

1595
02:09:50.720 --> 02:09:54.119
if you're a government agency, a
bank, at credit union, so on

1596
02:09:54.199 --> 02:09:58.800
and so forth, you don't have
to do that. But for like myself

1597
02:09:58.000 --> 02:10:03.079
that have a couplelcs, I'm going
to be required to do that. My

1598
02:10:03.199 --> 02:10:07.479
only reason for calling you was just
to let you know that this just where

1599
02:10:07.680 --> 02:10:11.439
is it? Though? Cow I'm
I'm on SOS. Where is this info?

1600
02:10:11.479 --> 02:10:16.600
Just just just do a search.
I'm looking for it. I did

1601
02:10:16.680 --> 02:10:20.640
a search of the of the form
he talked about, and I'm finding it

1602
02:10:20.359 --> 02:10:28.680
Beneficial Ownership Information Reporting. There's all
kinds of articles about it. It's January

1603
02:10:28.760 --> 02:10:33.399
twenty twenty five, right, Yeah, but I never even knew about it

1604
02:10:33.560 --> 02:10:37.600
started. It just started. That's
that's my reason for calling guys, just

1605
02:10:37.680 --> 02:10:41.960
to let you know, and I
wouldn't have known about it if this third

1606
02:10:41.119 --> 02:10:46.319
company wasn't trying to rape me for
one hundred and ninety five dollars. Do

1607
02:10:46.399 --> 02:10:50.319
you think the Secretary of State is
going to contact every business in the state

1608
02:10:50.520 --> 02:10:52.159
and let them know they need to
require this? Well, I don't know.

1609
02:10:52.239 --> 02:10:56.039
How do people find out about this
kind of stuff. I guess your

1610
02:10:56.079 --> 02:11:00.600
accountants are something I don't know.
If it wasn't for the third company,

1611
02:11:00.640 --> 02:11:03.479
I wouldn't know about it, you
know. And so what they said was

1612
02:11:03.800 --> 02:11:07.079
you need to do this, and
you started looking it up and found out,

1613
02:11:07.239 --> 02:11:09.479
yeah, I really do need to
do it, although I'm not going

1614
02:11:09.560 --> 02:11:15.000
to have you do it exactly right. Okay, Well, thank you for

1615
02:11:15.119 --> 02:11:18.119
telling us. We'll look more into
it. I mean, I never heard

1616
02:11:18.119 --> 02:11:20.119
about it. I got to take
a break. We got more coming right

1617
02:11:20.199 --> 02:11:26.840
up. Go with a sure thing
Denver's Best roofer Excel roofing dot com.

1618
02:11:26.000 --> 02:11:33.800
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1619
02:11:33.880 --> 02:11:39.359
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1620
02:11:39.399 --> 02:11:43.600
insurance companies find out now three O
three seven seven to one help You'll think

1621
02:11:43.640 --> 02:11:46.439
you're his only customer when you choose
Frank durand the real estate man dot Com

1622
02:11:46.680 --> 02:11:52.319
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

1623
02:11:52.399 --> 02:12:01.039
two. Hi Tom Martino, you're
shooter three oh three seven one to three

1624
02:12:01.199 --> 02:12:05.399
top seven one three eight two,
five to five. Jill? What's going

1625
02:12:05.439 --> 02:12:11.399
on? High? Jill? What's
happening? She left? Okay, so

1626
02:12:11.520 --> 02:12:15.560
we can finish up then with Kevin
Caulkin. Hey, real quick, what

1627
02:12:15.720 --> 02:12:18.720
that guy was saying? I just
want to say there are so many exemptions.

1628
02:12:18.800 --> 02:12:22.279
He was a little off. It's
good information, but that new form

1629
02:12:22.520 --> 02:12:26.359
is really for shady people. If
you have a physical address, it's a

1630
02:12:26.439 --> 02:12:30.720
real address, you're exempt. If
you've owned the company prior to some date

1631
02:12:30.800 --> 02:12:33.479
in twenty twenty, you're exempt.
I mean there's that. It says it'll

1632
02:12:33.520 --> 02:12:39.399
affect maybe eleven percent of new companies, but I mean they are companies that

1633
02:12:39.560 --> 02:12:45.039
don't have an address that they're probably
shady to begin with. Okay, Hey,

1634
02:12:45.159 --> 02:12:50.439
Kevin, somebody wants to know,
is it, uh, which has

1635
02:12:50.600 --> 02:12:54.399
which is worse on a car?
The summer or winter? Oh? I

1636
02:12:54.439 --> 02:12:56.920
would say the summer. The heat
is always worse. The cold it'll warm

1637
02:12:58.039 --> 02:13:01.840
up, you know, eventually,
But yeah, the summer's brutal. That

1638
02:13:01.920 --> 02:13:05.359
heat really breaks down. Okay,
we have so much more breakdown in the

1639
02:13:05.399 --> 02:13:09.439
summer. Okay, And is it
true? And I think I can answer

1640
02:13:09.479 --> 02:13:13.239
this. Mark probably knows this.
So if you leave your winter tires,

1641
02:13:13.479 --> 02:13:18.680
if you have snow tires for these
long periods of time in between, when

1642
02:13:18.680 --> 02:13:20.960
you have warm, warmer weather and
no snow, doesn't it wear them out

1643
02:13:22.039 --> 02:13:24.920
quicker than regular tires? Softer compound. The it's a whole softer compound.

1644
02:13:24.960 --> 02:13:31.520
Yeah, the whole design weather tires. So yeah, all weather will still

1645
02:13:31.560 --> 02:13:35.600
wear out faster than regular tires,
and winter snow tires will wear it even

1646
02:13:35.640 --> 02:13:39.000
faster than that. But there's got
to be a happy medium. In Colorado,

1647
02:13:39.479 --> 02:13:43.239
Colorado is really hard on snow tires
because we don't have snow most of

1648
02:13:43.640 --> 02:13:46.640
and we have very dry weather.
It's just hard on rubber. It's hard

1649
02:13:46.680 --> 02:13:48.840
on rubber period. But all seasons
are just another tread. It's not a

1650
02:13:48.920 --> 02:13:54.760
different compound. Okay. Someone wants
to know if they're storing a car and

1651
02:13:54.319 --> 02:13:58.239
they store it and they don't drive
it much like a sports car, do

1652
02:13:58.359 --> 02:14:01.399
those tires we're out just sitting there. Yeah, you should take them off

1653
02:14:01.640 --> 02:14:07.199
and not have the weight of the
car sitting all really Okay, Hey,

1654
02:14:07.279 --> 02:14:11.159
I love his I gotta say this. Sheridan Auto Tech nationwide warranty three years,

1655
02:14:11.239 --> 02:14:15.840
thirty six thousand miles. This guy
will give you great prices. Beat

1656
02:14:15.880 --> 02:14:18.239
the dealer. Thank you, Kevin
for sure. All right, thank you

1657
02:14:18.359 --> 02:14:20.880
that Shardan Autotech dot com. And
by the way, we're out of time.

1658
02:14:22.359 --> 02:14:26.199
Don't forget three ZHO three Martino.
Save all your problems for me.