WEBVTT 1 00:00:00.840 --> 00:00:13.839 Yea ripped up news needed by so you don't have the you'll come run in 2 00:00:14.080 --> 00:00:21.039 just as fast as we can. Shooter's gonna help coming man. Fix is 3 00:00:21.079 --> 00:00:27.920 the Troubleshooter Show. No Tom Martino, Hello Tom Martino here, Welcome to 4 00:00:28.039 --> 00:00:32.000 the show brought to you by fix It twenty four to seven. That's right. 5 00:00:32.039 --> 00:00:34.200 You can get a tech to your home for thirty nine bucks to find 6 00:00:34.240 --> 00:00:37.359 any problem. And if you're a member of their Green Bubble Club, you'll 7 00:00:37.399 --> 00:00:42.200 get there faster. They'll get priority, you get priority appointments, priority pricing. 8 00:00:42.399 --> 00:00:45.119 It's probably the best deal I've ever found. Twenty nine bucks a month. 9 00:00:45.560 --> 00:00:49.479 Every dime you pay goes toward future replacements if you ever need them, 10 00:00:49.479 --> 00:00:52.759 so you never lose a dime. Plus you get four visits a year. 11 00:00:52.840 --> 00:00:57.399 Fixmihome dot com plumbing, heating, cooling, electric and drains. Fix my 12 00:00:57.479 --> 00:01:00.280 Home dot Com. Terry wants to talk about a legal problem, Joe wants 13 00:01:00.320 --> 00:01:04.319 to talk about landscaping, and I want you to call with any problem you 14 00:01:04.359 --> 00:01:08.400 have. You know, so many people have problems. I think that's something 15 00:01:08.439 --> 00:01:11.000 we all have in common, you know. I know people get pissed off 16 00:01:11.040 --> 00:01:14.840 when we talk about things and get a little political here and there, and 17 00:01:14.879 --> 00:01:18.400 you know that's a natural thing to do here and there. But whether you're 18 00:01:18.400 --> 00:01:23.120 a progressive conservative, whether you're whatever, far right, far left, in 19 00:01:23.159 --> 00:01:27.480 the middle, anywhere on the scale, we all, I think we all, 20 00:01:27.599 --> 00:01:32.480 I don't think, I know we all agree. No one should be 21 00:01:32.599 --> 00:01:36.599 ripping anyone off. If you lie in sheet and rip people off, it's 22 00:01:36.599 --> 00:01:40.079 a bad thing. So that's what this show's dedicated to, fighting that and 23 00:01:40.120 --> 00:01:45.200 then preventing it. Not just solving problems, but preventing them. So give 24 00:01:45.200 --> 00:01:48.000 me a call at any time twenty four to seven. Leave a message. 25 00:01:48.040 --> 00:01:51.640 We will get back to us. Terry will attest to the numbers three oh 26 00:01:51.680 --> 00:01:55.400 three, Martino three three six, two seven eight four sixty six. And 27 00:01:55.480 --> 00:01:57.519 of course when we're on the air, you can call the station's number here 28 00:01:57.560 --> 00:02:00.239 at three oh three, seven to one three talk seven one three A two 29 00:02:00.239 --> 00:02:05.200 five five. And I know people are listening elsewhere as well on other stations. 30 00:02:05.239 --> 00:02:08.000 And also my YouTube morons Facebook. You know, I don't address my 31 00:02:08.120 --> 00:02:14.360 Facebook crowd. I should, but YouTube gets the distinct. Uh, they're 32 00:02:14.400 --> 00:02:16.319 the morons. So we have to come up with come up with something for 33 00:02:16.439 --> 00:02:23.360 Facebook streamers. But right now, YouTube morons get that title? Terry. 34 00:02:23.520 --> 00:02:25.159 Uh, what's going on with you? Terry? What can we do to 35 00:02:25.159 --> 00:02:29.360 help you out? What's happening? Well, I don't know, To be 36 00:02:29.400 --> 00:02:32.520 honest with you, I uh so no direction to go, So I'll called 37 00:02:32.560 --> 00:02:36.039 you guys all right, start start at the beginning. What are you calling 38 00:02:36.080 --> 00:02:46.039 about? Uh? There's an organization that accused me of abusing my uh handicapped 39 00:02:46.080 --> 00:02:51.280 son, and I let's start right there. What organization is accusing you? 40 00:02:53.000 --> 00:02:54.960 I've rettter not name them at this point. But it was a place where 41 00:02:54.960 --> 00:02:59.400 he used to work. Oh, okay, okay, got it? So 42 00:03:00.039 --> 00:03:04.879 what was this a special place where he worked or normal employment? What kind 43 00:03:05.000 --> 00:03:09.919 of employment? No, it's it's their mission statement is most kind of sort 44 00:03:09.960 --> 00:03:14.560 of set up for dealing with handicapped folks. Folks? And what is the 45 00:03:14.639 --> 00:03:19.400 nature of your son's disability? What's the nature of your son's uh disability or 46 00:03:19.479 --> 00:03:22.199 handicapped? I don't know what the proper word is these days, but what 47 00:03:22.319 --> 00:03:30.400 is the nature? I don't he it's when he was born he was diagnosed 48 00:03:30.439 --> 00:03:36.360 with congeneral congenital hydrocephalus, which basically means he was born without a brain. 49 00:03:38.000 --> 00:03:44.479 What. Yeah, pretty much. Well, your son, how old is 50 00:03:44.520 --> 00:03:49.520 your son chronologically? Well? Well, hold on, obviously he has a 51 00:03:49.560 --> 00:03:53.000 brain, right, I mean, you know he has to have the involuntary 52 00:03:53.039 --> 00:03:55.599 systems are working, the respiratory, the digestion and all of that, and 53 00:03:55.599 --> 00:04:00.439 that that's regulated by a brain. So so what do you mean is there 54 00:04:00.479 --> 00:04:06.199 a part of his brain missing? Yeah, when the original forecast was to 55 00:04:06.280 --> 00:04:14.560 live maybe three months at most. How old is he now? Forty forty? 56 00:04:15.520 --> 00:04:19.480 Yeah? Okay, and you've taken care of him his whole life pretty 57 00:04:19.519 --> 00:04:24.600 much? Yeah? Yes, man, okay, And how were you accused 58 00:04:24.639 --> 00:04:35.000 of abusing him rudely? He has been working at this this joint for a 59 00:04:35.079 --> 00:04:41.959 little over twenty years, and he is stastic, as they say on the 60 00:04:42.040 --> 00:04:45.680 right side. He has a club foot and minimal use of his hands. 61 00:04:46.720 --> 00:04:49.439 So they gave him accommodations to work there, and he's been there twenty years. 62 00:04:49.959 --> 00:04:55.600 It's relative relatively a great organization. Until we got to the end. 63 00:04:57.600 --> 00:05:01.680 Tyler's had issues with his foot. They were concerned they're liable if he falls 64 00:05:01.720 --> 00:05:06.399 down. You know, I get it. But after the meeting we had 65 00:05:06.439 --> 00:05:10.480 as far as you know, he's been there twenty years, let's now, 66 00:05:10.519 --> 00:05:15.360 they had a meeting with him alone. Right that Again, the meeting they 67 00:05:15.399 --> 00:05:19.959 had, was it with you and him or just him? Well? Over 68 00:05:20.000 --> 00:05:23.920 the twenty years, has it always been with me and him? Because I'm 69 00:05:23.920 --> 00:05:27.360 his guardians? But okay, now what I'd like to know is this, 70 00:05:27.600 --> 00:05:30.439 Terry, is there a mom involved in this? I'm just curious, man 71 00:05:30.839 --> 00:05:34.040 kind of Yes, yes, enough, Okay. The other thing I want 72 00:05:34.079 --> 00:05:42.920 to know is is this Has this turned into anything like a negligent charge or 73 00:05:42.959 --> 00:05:46.920 a criminal charge or anything like that. Well not at this point, I 74 00:05:46.959 --> 00:05:50.279 haven't heard back. They sent a lady from the Adult Protective Services to my 75 00:05:50.360 --> 00:05:55.000 door, okay, and that's where we're at now. I talk with her 76 00:05:55.120 --> 00:05:59.680 for an hour or so, and the more I talk to her, the 77 00:05:59.720 --> 00:06:05.399 anger I got. Why Why were you angry? Well, I suppose if 78 00:06:05.600 --> 00:06:09.720 I accused you of abuse, would you be angry? No? No, 79 00:06:10.079 --> 00:06:14.519 that person I'm sure is not accusing you. That person is investigating it. 80 00:06:15.720 --> 00:06:20.639 No, that the department lady was very nice. The letter that was written 81 00:06:20.959 --> 00:06:27.560 to them or the reponse that came to them from the organization accused me of 82 00:06:27.600 --> 00:06:30.480 abuse. So Terry, Terry, I want to parse this out a bit 83 00:06:30.600 --> 00:06:32.040 and I will get to other calls. But Terry, here's what I want 84 00:06:32.079 --> 00:06:36.240 to know. I understand you being upset when you're accused of something. Anyone 85 00:06:36.240 --> 00:06:42.199 who is falsely accused of something gets very, very very upset. I want 86 00:06:42.199 --> 00:06:46.279 to know this, though, what led them to that accusation? Whether you 87 00:06:46.399 --> 00:06:49.800 agree with it or not. What was it? I'm sure they didn't just 88 00:06:49.879 --> 00:06:54.160 come up with it to hurt you. What was it that led them to 89 00:06:54.240 --> 00:07:01.199 this accusation once I made it to the me that I was normally informed of. 90 00:07:01.360 --> 00:07:03.560 No, I get it. What did what? Tell me? Tell 91 00:07:03.600 --> 00:07:10.040 me what led them to the accusation, Terry, That's that's what I'm saying. 92 00:07:10.560 --> 00:07:14.439 They tried to do a meeting with Tyler without me, and then when 93 00:07:14.480 --> 00:07:16.519 I got there, they were upset that I was there, which made me 94 00:07:16.639 --> 00:07:20.480 upset. Terry, you're not telling me what. You're not telling me what 95 00:07:20.600 --> 00:07:30.959 I asked? What led though to the accusation? Oh, the meeting. 96 00:07:30.759 --> 00:07:34.560 The meeting was contentious, I guess. Oh so the wait, so they 97 00:07:34.600 --> 00:07:42.920 observed your behavior during the meeting and they concluded you're a meani apparently? Yeah? 98 00:07:42.959 --> 00:07:46.519 Well was there any physical First of all, are they accusing you of 99 00:07:46.560 --> 00:07:53.000 a physical abuse or psychological abuse? Well? I'm trying to get the report 100 00:07:53.120 --> 00:08:00.000 back from the get the department and from reading it when you gave it, 101 00:08:00.000 --> 00:08:05.839 Tony, I'm going to say mental okay, psychological abuse, psychological yeah, 102 00:08:05.920 --> 00:08:09.680 now, Terry, Terry, I don't even know. I couldn't even imagine 103 00:08:11.199 --> 00:08:16.800 what it is like having a son or a daughter with handicaps or something where 104 00:08:16.839 --> 00:08:22.439 you I don't know the nature of this particular disability or whatever. But what 105 00:08:22.600 --> 00:08:26.920 is his chronology? His chronological lady's forty? But what what is his mental 106 00:08:26.920 --> 00:08:31.600 ability? What age? If I remember right, how they do this as 107 00:08:31.600 --> 00:08:35.679 they break it down into his cognitive The last time we did the test, 108 00:08:37.000 --> 00:08:41.720 his cognitive was between five and seven. His emotionals like thirteen to fifteen. 109 00:08:43.600 --> 00:08:48.080 They've got like six different categories. I see, I see. So is 110 00:08:48.120 --> 00:08:52.039 he and I'm just talking to you now as a dad and not having any 111 00:08:52.080 --> 00:08:56.120 knowledge of this. Is he a difficult Is it very difficult to do this? 112 00:08:56.440 --> 00:09:01.879 No? Well, no, you know what I'm saying. Is is 113 00:09:01.919 --> 00:09:05.720 he cooperative? Oh? Yeah, yeah, everybody loves Tyler. Okay, 114 00:09:05.960 --> 00:09:11.360 so what I is? Where where does it go? Now? I don't 115 00:09:11.360 --> 00:09:16.879 know. That's why I called. I don't know what to do? Well, 116 00:09:16.919 --> 00:09:18.960 what are they saying I need to know. I need to know. 117 00:09:20.000 --> 00:09:26.720 What are they saying the agents? Well, that's the only one that matters. 118 00:09:26.879 --> 00:09:31.639 He says, I abused him. What What is the conclusive Terry? 119 00:09:33.200 --> 00:09:39.879 What is the of the report? I don't know. I have not heard 120 00:09:39.919 --> 00:09:43.799 back from the department. When did they When did they interview you, Terry? 121 00:09:43.840 --> 00:09:46.120 When did they an? I talked with her for about an hour? 122 00:09:48.039 --> 00:10:00.639 When, oh, last Thursday? Maybe? And what department Adult Protectives Services? 123 00:10:01.679 --> 00:10:05.039 Okay, now, so here's what I'd like to tell you. Everything 124 00:10:05.159 --> 00:10:09.519 is going as it should. In other words, it's a process. I'm 125 00:10:09.519 --> 00:10:15.759 not I understand you're upset about this, but so far there's been no conclusion. 126 00:10:18.399 --> 00:10:22.000 Yeah, I'm aware of sure. Yes, So do you think you 127 00:10:22.080 --> 00:10:26.360 need to be represented right now? Well, that's why I'm calling. I 128 00:10:26.399 --> 00:10:30.399 have no idea how I'd like to try hold on because you took the time 129 00:10:30.440 --> 00:10:33.879 to call. I'd like to try to get some legal advice for you. 130 00:10:35.600 --> 00:10:39.279 And I don't know if this is a normal criminal defense or a family law 131 00:10:39.399 --> 00:10:43.519 thing. I want to try both. I want to get someone from either 132 00:10:43.600 --> 00:10:52.799 Harris family Law and also possibly Joela Zara both to address this. Kachina if 133 00:10:52.799 --> 00:10:56.039 you. I know you're listening. Let's try to get someone on to give 134 00:10:56.159 --> 00:11:00.159 Terry some direction. Hold on, Terry, I understand why you're upset three 135 00:11:00.399 --> 00:11:05.320 three seven one three talk. Anyone would be upset in this situation. 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I guess they wouldn't like I guess chat would not 152 00:12:37.480 --> 00:12:43.600 like YouTube mora ons. Anyway, building a positive and engaging community is the 153 00:12:43.679 --> 00:12:50.320 key to success of any talk show. Instead of using insulting nicknames, playfully 154 00:12:50.919 --> 00:13:01.080 refer to your viewers and listeners as now, listen to this one Facebook fumble 155 00:13:01.159 --> 00:13:11.639 tears or stream slapstickers, Oh my god, or Facebook funnies or stream team 156 00:13:11.840 --> 00:13:16.840 sillies. God? Is this written by a fourth grader? YouTube morons helped 157 00:13:16.840 --> 00:13:22.080 me come up with a name. Please Facebook flunkies. Okay, that's gonna 158 00:13:22.080 --> 00:13:26.039 be it. I took the Facebook freaks would be good, but the one 159 00:13:26.039 --> 00:13:31.360 guy Hellcat said flunks. But how about Facebook flunkies and YouTube morons. That's 160 00:13:31.399 --> 00:13:35.759 it. We got it, Facebook flunkies. It came to me, and 161 00:13:35.799 --> 00:13:39.279 I guess chat GPT would not be so excited about it. Let me go 162 00:13:39.360 --> 00:13:41.159 back to the phones, though. We're getting an expert for Terry, so 163 00:13:41.240 --> 00:13:46.399 hang on, Terry, Joe, what's going on with your landscaping? Joe? 164 00:13:48.039 --> 00:13:50.720 Thank Tom, how are you today, good man? What's happening with 165 00:13:50.799 --> 00:13:54.480 you? Thank you for calling? What's happening? Yeah? So I've got 166 00:13:54.480 --> 00:13:58.360 a landscape company who came out and did some side work of my lawn and 167 00:13:58.559 --> 00:14:03.320 to do to get down and who is the landscaper? Who's the landscaper? 168 00:14:03.320 --> 00:14:05.639 I don't know if I want to do it lot, go ahead, go 169 00:14:05.639 --> 00:14:09.639 ahead? Landscaper did some work, go ahead? Yeah. So yeah, 170 00:14:09.639 --> 00:14:13.360 so it's a I have a deck, it's thirty six inches high. So 171 00:14:13.480 --> 00:14:16.840 to get down to the landscape area, there's stairs that need to be built. 172 00:14:16.840 --> 00:14:20.600 So when they first built them, everything was off code from the stairs. 173 00:14:22.120 --> 00:14:24.559 So had them come back take a look at it, and they said, 174 00:14:24.600 --> 00:14:26.320 yes, we screwed up. They were actually willing to tear down the 175 00:14:26.320 --> 00:14:31.080 first stairs and then build the second stairs. Second stairs. You get, 176 00:14:31.200 --> 00:14:35.279 they build it, and all of a sudden they're still not to code. 177 00:14:35.759 --> 00:14:43.919 So first project did not pass correct and the second one doesn't pass. Yeah, 178 00:14:43.960 --> 00:14:46.679 and then they did already come out and look at the second stairs and 179 00:14:46.600 --> 00:14:50.279 they agreed. They said, yeah, this doesn't feel right. Well well 180 00:14:50.320 --> 00:14:52.519 wait, wait, anyway, what what what doesn't pass? The number of 181 00:14:52.559 --> 00:14:56.360 stringers? Too many steps? I mean tell me, I mean not the 182 00:14:56.440 --> 00:14:58.159 number of stringers, but the number of steps. Too many steps, not 183 00:14:58.320 --> 00:15:03.080 enough steps to high, not wide enough? What's wrong? Yeah, So 184 00:15:03.240 --> 00:15:07.720 let's say the first stairs, the heights were wrong. So they had like 185 00:15:07.000 --> 00:15:11.039 seven seven seven, and then like nine inches at top, so it was 186 00:15:11.639 --> 00:15:13.360 it was much too large of a step at the top. Easy to trip. 187 00:15:13.600 --> 00:15:18.519 H Yeah, yeah, Biden would fall. Go ahead. That's exactly 188 00:15:18.879 --> 00:15:22.200 second stairs that they built. They've got the heights right, but now all 189 00:15:22.200 --> 00:15:26.240 the steps leaned forward, so it's almost like it's throwing you off. And 190 00:15:26.279 --> 00:15:31.480 then the second problem is the middle stringer was cut in properly, so the 191 00:15:31.480 --> 00:15:35.559 middle of the step isn't supported at all. I can stick my finger between 192 00:15:35.559 --> 00:15:41.600 them middle. So does this have three stringers? These steps have three stringers? 193 00:15:41.679 --> 00:15:45.440 Yes? Okay, but how wide are why step there? How wide 194 00:15:45.480 --> 00:15:50.039 are they? At thirty six inches? They need three stringers. You need 195 00:15:50.080 --> 00:15:56.080 some eighteen inches per Have you ever thought about just buying pre built stairs? 196 00:15:56.120 --> 00:16:00.080 And so at the custom height is the problem. So it's thirty six inches 197 00:16:00.120 --> 00:16:03.480 tall. That's the problem with the first there that they had they bought the 198 00:16:03.519 --> 00:16:07.600 pre built stringers, set them on there. Everything was got it, but 199 00:16:07.720 --> 00:16:10.200 the hype. So anyway, where do we stand today? What can we 200 00:16:10.240 --> 00:16:12.879 do for you? Man? I'm just trying to get advice on what I 201 00:16:12.919 --> 00:16:15.279 should do or well, you want to get it right? I mean, 202 00:16:15.440 --> 00:16:19.600 it stands to reason it has to pass code. So they just keep doing 203 00:16:19.639 --> 00:16:22.440 it, or they refund your money, take their stuff and move on. 204 00:16:22.879 --> 00:16:26.279 It's a very simple proposition. They either do it right or they don't. 205 00:16:29.240 --> 00:16:32.080 I got to hold on a second. I want to go to Joelazara real 206 00:16:32.159 --> 00:16:33.679 quick, because he's on and he's an expert, and I don't want to 207 00:16:33.720 --> 00:16:37.919 keep him hanging. I'll come right back to you, Joe. Joelazara Joseph 208 00:16:37.039 --> 00:16:40.799 Lazara is a criminal defense attorney, and I always say this. I hope 209 00:16:40.799 --> 00:16:45.000 you never need him. But anyway, Joe, I don't know if you've 210 00:16:45.000 --> 00:16:48.279 ever handled this, or maybe you have some advice or what Terry should do? 211 00:16:48.480 --> 00:16:52.799 Was and was he silly to be interviewed without an attorney. But here's 212 00:16:52.799 --> 00:17:00.360 what's going on. He's got a forty year old son operating at the level 213 00:17:00.480 --> 00:17:06.559 of a young adolescent. The son has a brain condition he's forty and under 214 00:17:06.640 --> 00:17:11.759 his care. Terry is the guardian. Terry was in a meeting with the 215 00:17:11.839 --> 00:17:21.440 son and the son's employer. This employer employs people with disabilities. During the 216 00:17:21.480 --> 00:17:26.319 meeting, Terry said, it got contentious and the people at the meeting reported 217 00:17:26.440 --> 00:17:37.279 Terry for being verbally or psychologically abusive to his son. Adult Protective Services sent 218 00:17:37.400 --> 00:17:42.000 an investigator last week to interview Terry. Now, of course, anybody who 219 00:17:42.000 --> 00:17:47.480 gets interviewed about potential abuse and all of that, they're a little pissed off. 220 00:17:47.519 --> 00:17:49.279 You know, you don't I don't blame them, right, you're accused, 221 00:17:49.440 --> 00:17:52.359 especially if you know you have no idea what they're talking about. But 222 00:17:52.400 --> 00:18:00.160 anyway, he did the interview. Now he hasn't gotten results. He's not 223 00:18:00.200 --> 00:18:04.039 sure what will happen. Does he need an attorney? What is this a 224 00:18:04.119 --> 00:18:08.559 crime? What is this? What do you think? Joe? Yeah, 225 00:18:08.799 --> 00:18:15.799 obviously any type of abuse of an adult at at risk could be considered a 226 00:18:15.839 --> 00:18:19.720 crime. Obviously, a child or you know, Department Human Services, right, 227 00:18:19.839 --> 00:18:25.519 et cetera. They get involved in order to determine whether or not the 228 00:18:25.599 --> 00:18:30.200 person's being neglected or harmed in any way. And so I would always counsel 229 00:18:30.240 --> 00:18:36.359 people to have a lawyer. Could this result in a referral? Possibly? 230 00:18:36.599 --> 00:18:40.680 And you know, if it were to result in a referral, you're looking 231 00:18:40.720 --> 00:18:44.799 at a potential felony charge, and those are things to take very seriously. 232 00:18:44.799 --> 00:18:48.799 Even for psychological abuse, if you're yelling at someone or something, Yes, 233 00:18:49.200 --> 00:18:53.960 I mean it can that. That's an extreme extreme case to file criminally, 234 00:18:56.000 --> 00:19:02.720 but any type of abuse can at least get you know, human services involved. 235 00:19:03.000 --> 00:19:08.880 Could he lose his rights as the guardian? You know, I don't 236 00:19:08.920 --> 00:19:11.960 know enough about the facts of this case, but in cases like this, 237 00:19:12.519 --> 00:19:19.000 yeah, it can happen. And we've handled cases where they've been in charge 238 00:19:19.039 --> 00:19:23.079 of the money, exploiting the money, not providing proper housing, doing a 239 00:19:23.079 --> 00:19:26.920 lot of different things like that, and the stage has come in and remove 240 00:19:27.119 --> 00:19:33.079 the individual. So in this particular case, Terry, do you have any 241 00:19:33.160 --> 00:19:41.640 question for Joe specifically since he's on Yes, I need to figure out what 242 00:19:41.680 --> 00:19:48.519 to do to protect myself from what you said. I don't know that protect 243 00:19:48.559 --> 00:19:53.359 your services is writing report or coming back. She didn't indicate that she was, 244 00:19:53.480 --> 00:19:57.079 but I suppose I need a lawyer up. I guess that's what I 245 00:19:57.119 --> 00:20:00.000 was calling. Well, no matter what I I think what you should do 246 00:20:00.160 --> 00:20:07.759 is familiarize yourself or an attorney like Joe to what's going on, so if 247 00:20:07.799 --> 00:20:11.119 something does result, you don't have to play catch up. And Joe, 248 00:20:11.240 --> 00:20:17.279 is that what you call an initial consultation without charge or is there a charge? 249 00:20:17.359 --> 00:20:22.920 Or just to familiarize yourself and beyond standby right, we have no problems 250 00:20:22.000 --> 00:20:26.240 chatting with clients, talking to him in advance for no charge, no fee 251 00:20:26.319 --> 00:20:32.039 whatsoever. That way, they are prepared and obviously we don't want anything to 252 00:20:32.079 --> 00:20:34.160 happen. We don't want them to be charged criminally, but if they do, 253 00:20:34.359 --> 00:20:38.279 at least they know what their next step is and they're not playing behind 254 00:20:38.359 --> 00:20:41.799 the eight ball there, Kerry. That's what I would do. I would 255 00:20:41.799 --> 00:20:47.480 call Joe, and what I would do is have him, have him familiar 256 00:20:47.559 --> 00:20:51.480 with the case, and then what you do is you have him on the 257 00:20:51.519 --> 00:20:55.039 ready in case. Then when you call him, he'll know what it's about. 258 00:20:55.160 --> 00:20:59.359 It won't be a cold call. I think that's the smartest thing to 259 00:20:59.400 --> 00:21:02.559 do, But I don't think I would overreact at this point. You know, 260 00:21:02.799 --> 00:21:06.960 look at did you explain that that meeting was heated and you were upset 261 00:21:07.000 --> 00:21:12.039 for being accused or excuse me, no, no, I mean upset for 262 00:21:12.079 --> 00:21:15.279 being left out. I mean of the meeting. Did you explain why it 263 00:21:15.319 --> 00:21:22.920 was contentious to the department lady? Yes, okay, good listen. People 264 00:21:23.079 --> 00:21:30.279 know that parents aren't perfect, and you know, look, this happens a 265 00:21:30.319 --> 00:21:34.480 lot when somebody else gets involved. Now again, we want people to be 266 00:21:34.599 --> 00:21:40.559 involved because the worst that happens is an interview. And I know it pisses 267 00:21:40.599 --> 00:21:44.519 you off. But anyway, let me give Joe's contact information. He's at 268 00:21:44.519 --> 00:21:49.279 three oh three four two nine six two zero zero three oh three four two 269 00:21:49.400 --> 00:21:59.200 nine six' two zero zero and he is Lazara Lazza r A Lazarillegal dot 270 00:21:59.200 --> 00:22:00.960 com. Joe Cannon's on the phone. I want to talk to him for 271 00:22:00.960 --> 00:22:06.319 a minute. Joe, I have you as my guest today. I thank 272 00:22:06.359 --> 00:22:11.559 you for being here. And people want to know about not if they they 273 00:22:11.599 --> 00:22:17.880 want to know, what is the minimum amount of lump sum in a four 274 00:22:17.920 --> 00:22:23.640 oh one k an ira or a retirement account in order to transfer over. 275 00:22:25.200 --> 00:22:29.720 I had this question when we were talking about lump sums, getting them out 276 00:22:29.720 --> 00:22:33.759 of the stock market, get some security and guarantees, but we never talk 277 00:22:33.839 --> 00:22:40.119 about an amount. What would be the minimum amount to open up let's say 278 00:22:40.200 --> 00:22:44.559 a fixed index annuity or a pension as you call it, and then maybe 279 00:22:44.599 --> 00:22:48.200 they contribute to it later on. But what's the is there a minimum? 280 00:22:48.680 --> 00:22:52.240 There's a minimum you know, by the company that we use. It's actually 281 00:22:52.440 --> 00:22:57.440 ten thousand dollars. Okay, ten thousand dollars full up up their account and 282 00:22:57.559 --> 00:23:03.359 they can one into the account if they want to, any time they want 283 00:23:03.400 --> 00:23:11.240 to. So there's no set there's no set premium they must pay. There's 284 00:23:11.279 --> 00:23:15.119 no set premium. But if they do contribute, you know, they need 285 00:23:15.160 --> 00:23:18.759 to open it up with ten thousand and make a regular contribution and see if 286 00:23:18.759 --> 00:23:22.839 they want to. Okay, and that's Joe. Hold on, Joe, 287 00:23:22.839 --> 00:23:23.839 and I'll give out your number. Then we'll come back for more. Three 288 00:23:23.839 --> 00:23:29.440 to oh three seven seven nine sixty six hundred. He's on the show. 289 00:23:29.480 --> 00:23:32.839 If you have questions for him, he'll be on on and off today three 290 00:23:32.920 --> 00:23:36.759 oh three seven seven nine sixty six hundred. Joe, I'll get back to 291 00:23:36.799 --> 00:23:45.519 your landscaping and the stairs right after this. Go with a sure thing Denver's 292 00:23:45.559 --> 00:23:48.920 Best roofer Excel Roofing dot com. You don't pay a cent until you're content. 293 00:23:52.279 --> 00:23:56.839 Time for an insurance check up free no obligation. In comparison, call 294 00:23:56.960 --> 00:24:00.680 Compass Insurance paying too much your coverage? That does of insurance companies find out 295 00:24:00.720 --> 00:24:04.279 now three all three seven seven to one help. You'll think you're his only 296 00:24:04.359 --> 00:24:08.160 customer when you choose Frank durand the real estate man dot com to list your 297 00:24:08.200 --> 00:24:15.359 home with Remax Alliance three three nine two zero sixteen twenty two. Hey Tom 298 00:24:15.400 --> 00:24:22.920 Martine here, So Jr. If you can just hang on a second, 299 00:24:22.920 --> 00:24:26.119 Hey Joe, on this landscaping thing, What was the last word from the 300 00:24:26.119 --> 00:24:30.880 contractor? Are they going to take care of it or not? They keep 301 00:24:30.960 --> 00:24:33.559 doing this. They keep saying that they're going to come out, but I 302 00:24:33.559 --> 00:24:36.440 think they're playing the game of if they keep blowing me off, we'll just 303 00:24:36.519 --> 00:24:38.160 kind of forget about it and then it's over. I want, deputy, 304 00:24:38.440 --> 00:24:41.119 do you mind if we call them? You didn't want to mention them? 305 00:24:41.279 --> 00:24:44.799 Do you want to keep this on the down low still? Or can we 306 00:24:44.839 --> 00:24:48.680 call them? I'd like to call them and put a little pressure on them. 307 00:24:48.759 --> 00:24:49.960 Yeah, so that way they know that it's a safety is all right? 308 00:24:51.599 --> 00:24:56.720 All right? Have you paid in full? Yeah? That's my that's 309 00:24:56.759 --> 00:25:03.160 my issue. How much did you pay for the entire project? Well wait, 310 00:25:03.200 --> 00:25:08.200 wait when you say entire project, what did it entail? There's a 311 00:25:08.599 --> 00:25:12.960 retaining wall, fence, concrete, poured graph No, no, just for 312 00:25:14.079 --> 00:25:17.039 the stairs, just for the stairs. Oh, I'm sorry, just for 313 00:25:17.119 --> 00:25:19.799 the stairs. Let's see. They didn't really like point it out, but 314 00:25:19.839 --> 00:25:22.200 they sent me a quote at one point, and I think they gave me 315 00:25:22.200 --> 00:25:29.640 about thirteen hundred dollars for stairs. Okay, so listen, man, it 316 00:25:29.759 --> 00:25:32.440 sounds like they're a good company if they did all the rest, right, 317 00:25:33.200 --> 00:25:36.440 that's the thing. It's like, I don't know why they're blowing me off. 318 00:25:36.480 --> 00:25:37.839 I think that's why I want to keep the relationship good. I don't 319 00:25:37.839 --> 00:25:41.599 want this to be a bad thing. Deputy Doc. Keep that in mind 320 00:25:41.640 --> 00:25:45.960 when you call that these guys did a lot of work for him and he's 321 00:25:45.039 --> 00:25:49.200 pleased. So really it's just this one item, man, Just get it 322 00:25:49.240 --> 00:25:52.480 done, leave a good taste in his mouth. Blah blah blah. And 323 00:25:52.920 --> 00:25:57.279 that's what I would do. So let's give it to Deputy Doc to call. 324 00:25:57.359 --> 00:26:02.240 Maybe he can even call during the show. So hang on, Joe, 325 00:26:02.240 --> 00:26:03.720 he'll talk to you, JR. You have a question for Joe Caanno 326 00:26:03.799 --> 00:26:11.799 Joe Ciano, certified financial planner and also just a believer in financial security. 327 00:26:11.799 --> 00:26:17.400 That's guaranteed. Go ahead, Jr. What's your question? Yeah, I 328 00:26:17.400 --> 00:26:18.559 guess Tom, I just don't get it. I got a three hundred and 329 00:26:18.559 --> 00:26:23.200 eighteen thousand of my ross at Costco roy work and another five in a quarter 330 00:26:23.240 --> 00:26:27.240 in my four oh one. But I've been returning between eight and a quarter 331 00:26:27.400 --> 00:26:30.599 and close to ten percent in return, right, So why would I want 332 00:26:30.599 --> 00:26:33.200 to take any of that money? Let me ask you something, though, 333 00:26:33.599 --> 00:26:37.440 let me ask you something. I want to make this clear. This is 334 00:26:37.480 --> 00:26:42.799 not Joe talking. This is me. If you have money and it's performing, 335 00:26:42.960 --> 00:26:49.039 that's wonderful. But that money you have to understand something. That money 336 00:26:49.279 --> 00:26:59.200 in a retirement account will not most likely last you in retirement when you start 337 00:26:59.240 --> 00:27:03.319 the income point. So here's what I want to say. If it's performing, 338 00:27:03.759 --> 00:27:07.119 well, that's fine, but I don't understand this. Are you telling 339 00:27:07.160 --> 00:27:11.640 me and can you tell me with a straight face that in twenty twenty two 340 00:27:12.480 --> 00:27:18.240 you returned how much percent on those? In twenty twenty three, I just 341 00:27:18.279 --> 00:27:22.640 got my notice. I got an eight point seven five. Okay, that's 342 00:27:22.680 --> 00:27:26.359 not what I'm asking. I'm asking this twenty What did you lose in twenty 343 00:27:26.400 --> 00:27:32.400 twenty two? I didn't lose anything. Okay, I lost nothing. Okay, 344 00:27:32.440 --> 00:27:36.079 what did you gain in twenty What did you gain in twenty twenty two? 345 00:27:37.200 --> 00:27:41.079 In twenty twenty two, I gained thirty four thousand and some change. 346 00:27:41.440 --> 00:27:45.039 Well, that doesn't tell me anything. What percent did you make? Oh? 347 00:27:45.720 --> 00:27:48.599 I don't know. I mean what would that be? Well, you 348 00:27:48.680 --> 00:27:51.559 know the percent in twenty twenty three. Why don't you know the percent in 349 00:27:51.599 --> 00:27:56.039 twenty twenty two? Right? Because I just got my statement of twenty twenty 350 00:27:56.039 --> 00:27:57.960 three. That's why. Okay, got it? Listen, you know, 351 00:27:59.079 --> 00:28:03.279 listen. I Am not going to sit here and tell you that the stock 352 00:28:03.359 --> 00:28:06.480 market will lose you all the time. But I will tell you this, 353 00:28:07.519 --> 00:28:11.079 it does no matter what it goes up and down and when it has a 354 00:28:11.160 --> 00:28:18.359 turnaround. For people that don't actively manage it in a very astute way, 355 00:28:18.240 --> 00:28:26.119 you will at times you will have losses and the following year of gains will 356 00:28:26.119 --> 00:28:30.440 not make up for those losses. I'm just saying this as investment one oh 357 00:28:30.440 --> 00:28:33.920 one. If you lose, it takes twice as much to get back to 358 00:28:34.119 --> 00:28:38.559 zero. And if you're gaining every single year. If you look at your 359 00:28:38.720 --> 00:28:45.200 five year average and if you're telling me every single year you've gained, then 360 00:28:45.359 --> 00:28:48.960 you keep it where it is. For some reason. They are the only 361 00:28:48.039 --> 00:28:52.759 ones in history that I've heard of that can do that. So, whoever, 362 00:28:52.000 --> 00:28:56.279 I don't know who is investing your money, Jr. It's me, 363 00:28:56.440 --> 00:29:02.119 it's Costco. I'm not it's mutual, it's a Costco four oh one, 364 00:29:02.200 --> 00:29:07.079 k or Roth or whatever it is. Who is actually investing the money or 365 00:29:07.119 --> 00:29:11.599 do you have it sitting in a fund? I do, but it's through 366 00:29:11.680 --> 00:29:17.000 t row Price, my Wroth and my four oh one. I'm sixty seven. 367 00:29:17.039 --> 00:29:21.359 I'm going to be sixty eighth July. I took out fifty seven thousand 368 00:29:21.599 --> 00:29:26.279 six months ago and paid off my home. So I'm just wondering, what's 369 00:29:26.319 --> 00:29:29.680 the annuity? Okay, Well, let's talk about it. If you took 370 00:29:29.759 --> 00:29:32.960 a lump sum, not all of it, a lump sum, and put 371 00:29:32.960 --> 00:29:36.119 it in an annuity, Joe, what would happen? Let's give him real 372 00:29:36.200 --> 00:29:40.839 numbers, real numbers. He's sixty seven, So let's say let's say you 373 00:29:41.079 --> 00:29:45.680 did you say sixty seven, sir? Yeah, yeah, sixty seven ton, 374 00:29:45.000 --> 00:29:48.720 So you don't have a lot of festering tome. You don't have a 375 00:29:48.759 --> 00:29:52.559 lot of festering time. So when would you want to start pulling? When 376 00:29:52.599 --> 00:29:59.880 would you want to start pulling income. I'm starting to I collect so security 377 00:29:59.880 --> 00:30:03.680 of thirty one hundred a month. I still work at Costco, make good 378 00:30:03.759 --> 00:30:07.000 money there. And then, like I say, I'm not pulling out regularly. 379 00:30:07.039 --> 00:30:08.119 But I thought I'm paying off my house. I took out. But 380 00:30:08.240 --> 00:30:11.920 if you do, if you you're gonna run out of money if all you 381 00:30:12.039 --> 00:30:15.200 do is draw that stuff down. Okay, eight percent is not going to 382 00:30:15.279 --> 00:30:18.960 keep you going. Now, now you know, like I said, eight 383 00:30:19.039 --> 00:30:23.559 percent, eight percent on a million is eighty thousand a year, and with 384 00:30:23.680 --> 00:30:27.119 my social security I can look comfortable with Okay, you know, do you 385 00:30:27.240 --> 00:30:33.519 have a million dollars making eight percent? I have five twenty five in my 386 00:30:33.680 --> 00:30:36.920 route and three eighteen. Just about after the next year, year and a 387 00:30:36.920 --> 00:30:42.559 half, I'll have over a million. Okay, JR. I can't give 388 00:30:42.559 --> 00:30:48.680 you advice. If you're convinced you're going to make eight percent for the rest 389 00:30:48.720 --> 00:30:52.799 of your life on eight hundred thousand dollars, there's nothing I can do. 390 00:30:52.200 --> 00:30:57.119 So there's no sense. Okay. So if so you're asking me. If 391 00:30:57.160 --> 00:31:03.279 you had a guarantee a eight percent on eight hundred thousand, do you need 392 00:31:03.359 --> 00:31:07.839 to do anything else? The answer is no. But here's the problem. 393 00:31:07.079 --> 00:31:12.160 You don't have a guarantee of eight percent, and when you pull money out, 394 00:31:12.519 --> 00:31:18.559 you're making less than that. So instead of making sixty four thousand dollars, 395 00:31:18.640 --> 00:31:22.640 if you pull if you're saying you pull that sixty four out, just 396 00:31:22.759 --> 00:31:27.799 that and keep the eight hundred. Yes, if you theoretically could make it 397 00:31:27.960 --> 00:31:33.680 eight percent every single year on eight hundred thousand, you would have an income 398 00:31:33.680 --> 00:31:37.680 of sixty four thousand. But that will not happen. It has never happened, 399 00:31:37.880 --> 00:31:44.039 and no one can guarantee it except in a guaranteed fund. Let's talk 400 00:31:44.079 --> 00:31:47.319 about that coming up again. I'm not trying to convince you. If you 401 00:31:47.480 --> 00:31:49.720 know you're gonna make eight percent, I'd be a fool to tell you take 402 00:31:49.759 --> 00:31:53.799 it out and do something else. But you don't know that. But hold 403 00:31:53.839 --> 00:31:57.680 on and we'll discuss exactly what you would get on that. All right, 404 00:31:57.759 --> 00:32:07.039 I'm Tom Martine. Go with a sure thing, Denver's Best roofer Excel roofing 405 00:32:07.160 --> 00:32:14.680 dot com. You don't pay a cent until you're content. Time for an 406 00:32:14.680 --> 00:32:19.440 insurance check up free no obligation. In comparison, call Compass Insurance paying too 407 00:32:19.519 --> 00:32:22.799 much your coverage at dozens of insurance companies find out now three O three seven 408 00:32:22.799 --> 00:32:27.319 to seven to one help. You'll think you're his only customer when you choose 409 00:32:27.359 --> 00:32:30.799 Frank durand the real estate man dot Com to list your home with Remax Alliance 410 00:32:31.039 --> 00:32:38.240 three three nine two zero sixteen twenty two. I'm Martino here. By the 411 00:32:38.240 --> 00:32:42.880 way, we had a question from Jr. First. You know, here's 412 00:32:42.920 --> 00:32:47.640 the thing, and I have this saying when I debate people or discuss things 413 00:32:47.680 --> 00:32:51.960 with people, it's not always a debate, or when you argue with people, 414 00:32:52.240 --> 00:32:54.680 or when you simply talk, you cannot And I've said this before, 415 00:32:55.160 --> 00:33:01.440 you cannot compete with bullsh bull craft. You can't compete with it. You 416 00:33:01.440 --> 00:33:05.680 don't have to beat me. Did you beat did you delete me? You 417 00:33:05.720 --> 00:33:09.079 don't have to I didn't say it chatting, all right, delete, all 418 00:33:09.160 --> 00:33:15.039 right? You can't compete with bs. Now. I'm not saying the guy's 419 00:33:15.079 --> 00:33:19.559 intentionally b sing, but if the largest hedge funds in the world did not 420 00:33:19.799 --> 00:33:23.400 make in fact, they might have made. The largest hedge funds made six 421 00:33:23.480 --> 00:33:29.039 percent his four oh, one K didn't come close to that in twenty twenty 422 00:33:29.119 --> 00:33:31.400 two. But let's just put it this way. He wants to know what 423 00:33:31.519 --> 00:33:35.960 to do. If I'm making all this money, why should I ever get 424 00:33:36.000 --> 00:33:38.400 it? First of all, there's no guarantee whatsoever, So you're not going 425 00:33:38.480 --> 00:33:40.920 to make ten percent a year. You're just not going to do it. 426 00:33:42.279 --> 00:33:45.880 Okay, But let's take real dollars. Joe, you ran some numbers for 427 00:33:45.960 --> 00:33:50.200 this guy, so let's do it. Go ahead, run those numbers. 428 00:33:50.720 --> 00:33:52.160 Yeah, tell me, you know that that is absolutely right. You know 429 00:33:52.200 --> 00:33:57.559 if somebody, if GI were to take eight hundred thousand dollars and place this 430 00:33:57.720 --> 00:34:05.359 money into a guaranteed indextinuity and only three years about and he lets it fester 431 00:34:05.519 --> 00:34:08.920 till he's seventy Go ahead, Yeah, seventy years old. Three years his 432 00:34:09.039 --> 00:34:15.920 account would grow to one million, one hundred and eighty five thou eight fifty 433 00:34:15.119 --> 00:34:20.519 six. Go with a sure thing Denver's Best Roofer Excel roofing dot com. 434 00:34:20.559 --> 00:34:27.719 You don't pay a cent until you're content. Time for an insurance checkup free 435 00:34:27.800 --> 00:34:32.400 no obligation comparison call Compass insurance paying too much your coverage at dozens of insurance 436 00:34:32.440 --> 00:34:36.960 companies find out now three oh three seven seven to one. Help. You'll 437 00:34:36.960 --> 00:34:39.800 think you're his only customer when you choose Frank durand the real estate Man dot 438 00:34:39.800 --> 00:34:45.519 com to list your home with Remax Alliance three oh three nine two zero sixteen 439 00:34:45.599 --> 00:35:00.760 twenty two. Yeah, rip news deleted so you don't have sass. Came 440 00:35:02.000 --> 00:35:08.159 Shooter's gonna help him? Come man Dix, he is the Troubleshooter show. 441 00:35:08.280 --> 00:35:14.480 No Tom Martin Ko, Tom Martino here. Fix at twenty four to seven 442 00:35:14.519 --> 00:35:16.239 is at your disposal of plumbing, heating, cooling, electric drains. Of 443 00:35:16.280 --> 00:35:20.679 course you're thinking about heating, right Well, if you were a member of 444 00:35:20.679 --> 00:35:24.559 their Green Bubble Club, you would get priority pricing and appointments at busy times. 445 00:35:24.920 --> 00:35:29.599 And I'm a member, and I really it's one of the few memberships 446 00:35:29.599 --> 00:35:32.519 I agree in twenty nine bucks a month, every penny goes toward a future 447 00:35:32.559 --> 00:35:37.440 replacement, so you never lose a dime and you get four visits a year 448 00:35:37.480 --> 00:35:43.639 for preventive measures. Fixmihome dot com. Now Bill's got a comment on investing. 449 00:35:43.639 --> 00:35:45.719 One guy called before the break and he said, listen, Tom, 450 00:35:45.760 --> 00:35:50.320 I have eight hundred thousand dollars and I'm making a guarantee of eight percent. 451 00:35:50.360 --> 00:35:52.079 He's not making a guarantee. But he said, I've always made eight percent. 452 00:35:52.360 --> 00:35:55.519 He didn't make eight percent in twenty twenty two because if he had eight 453 00:35:55.639 --> 00:35:59.400 hundred grand and he made thirty grand. I mean, first of all, 454 00:35:59.480 --> 00:36:01.840 let's just let's just say it like it is. Whatever it is. There 455 00:36:01.840 --> 00:36:07.239 are no guarantees in the stock market period. If you think your retirement account 456 00:36:07.239 --> 00:36:09.360 is guaranteed, you're crazy. Now I'm not saying you shouldn't have money in 457 00:36:09.360 --> 00:36:13.199 the stock market. You don't know what you're doing, because I do quite 458 00:36:13.280 --> 00:36:16.639 well because of certain reasons. But that doesn't mean I'll gamble my entire freaking 459 00:36:16.760 --> 00:36:22.000 fortune on it. I mean I wouldn't. So what do you do? 460 00:36:22.599 --> 00:36:25.119 Had so he wanted to you know, he's pulling out. He said, 461 00:36:25.119 --> 00:36:29.440 well, I can pull out if I had a million dollars and I make 462 00:36:29.480 --> 00:36:32.280 eight percent, I can call out eighty thousand. That's right. And on 463 00:36:32.440 --> 00:36:38.559 his scenario with eight hundred thousand, he pull out what sixty two or sixty 464 00:36:38.639 --> 00:36:45.679 four? But here's the deal. That's if you had a guaranteed eight percent, 465 00:36:45.719 --> 00:36:50.800 which you don't. If this guy puts it in a fixed indexinuity. 466 00:36:50.800 --> 00:36:53.000 What would it do? He called to find out. So let's tell him, 467 00:36:53.039 --> 00:36:55.880 Joe, you said it before the break. Let's say it. What 468 00:36:55.920 --> 00:37:04.119 would he get at age seventy? He wouldn't be able to get a guaranteed 469 00:37:04.159 --> 00:37:08.320 income for the rest of his life, guarantee never to run out of sixty 470 00:37:08.440 --> 00:37:15.360 three thousand, four hundred and forty three dollars each and every year, guaranteed, 471 00:37:15.760 --> 00:37:19.400 no matter what. Now, by the way, and that's only a 472 00:37:19.440 --> 00:37:22.760 three year festering period, Bill, you have a comment on investing. Go 473 00:37:22.800 --> 00:37:27.440 ahead, Bill, Oh, I get extremely lucky. I hit the stock 474 00:37:27.559 --> 00:37:32.440 market just right. I'm looking I rolled over my four one into an IRA 475 00:37:34.239 --> 00:37:39.239 and opened the brokerage account, and I'm looking at it right now. Eleven 476 00:37:39.280 --> 00:37:45.960 point one percent interest for what year? Ten years? Oh? Okay, 477 00:37:45.960 --> 00:37:50.239 for your ten year average it's all stock I invest No, No, I 478 00:37:50.320 --> 00:37:52.880 understand, Bill, that's a ten year average. That's good. So you 479 00:37:52.920 --> 00:37:55.880 made eleven percent as a as a ten year average. I started out with 480 00:37:55.960 --> 00:38:01.440 seventy five thousand dollars. I got over ahead a million dollars now in ten 481 00:38:01.519 --> 00:38:07.639 years. That's wonderful. Now what did you invest in? Bill? I 482 00:38:07.119 --> 00:38:13.119 watched Kramer whatever he suggested I bought. I bought. A friend of mine 483 00:38:13.199 --> 00:38:16.360 said by serious FM, So do you buy and hold? Is that your 484 00:38:16.480 --> 00:38:22.639 Is that your strategy? Yeah? I listened to Creme with quite a bit. 485 00:38:22.920 --> 00:38:27.039 I'm not asking about that, Bill, I'm asking is most of your 486 00:38:27.039 --> 00:38:30.000 strategy to buy something good and hold it? Yeah? Well, I try 487 00:38:30.039 --> 00:38:36.119 to use common sense. Okay. You know, I'm not going to say 488 00:38:36.119 --> 00:38:39.840 I'm super duper smart. I'm normal. But well, let's put it this 489 00:38:39.880 --> 00:38:44.760 way. If you I don't know if those numbers are completely right, Bill, 490 00:38:44.800 --> 00:38:46.480 I don't. I'm not going to argue with you or or say that 491 00:38:46.519 --> 00:38:52.199 you're not telling the truth intentionally. But if you had seventy five thousand and 492 00:38:52.239 --> 00:38:54.599 now you have over five hundred, and you've done nothing but the stock market, 493 00:38:54.639 --> 00:38:58.719 is that right? Yep? That's it? Did you add to that? 494 00:38:58.960 --> 00:39:00.880 Hold on? Did you? Did you add to the seventy five or 495 00:39:00.920 --> 00:39:06.519 simply keep reinvesting? No? See, what happened was when I stopped working. 496 00:39:06.559 --> 00:39:09.519 I had a I was a four to oh one from work, and 497 00:39:09.559 --> 00:39:14.599 I borrowed against it to buy a car. Well, I stopped working and 498 00:39:14.639 --> 00:39:19.480 they had no way of making my payments, so I said, just pay 499 00:39:19.480 --> 00:39:23.000 it off you know, hotheads, and I got killed with income tax and 500 00:39:23.039 --> 00:39:27.800 the whole thing. So I got pissed, and I just was just trying 501 00:39:27.840 --> 00:39:30.800 to make the money back that I lost. You know, what I'm asking 502 00:39:30.920 --> 00:39:34.559 is this. You said you started with seventy five thousand dollars. Is that 503 00:39:34.639 --> 00:39:38.800 right? Roughly? Yeah? And now you and without adding to it at 504 00:39:38.800 --> 00:39:45.360 all, just reinvesting. You now have five hundred, five hundred and fifty 505 00:39:45.440 --> 00:39:50.880 thousand, okay, And you did not add to the seventy five once. 506 00:39:51.519 --> 00:39:54.480 No, no, you just reinvested it. Right. Well, I kept 507 00:39:54.519 --> 00:39:59.519 it in mostly in stocks. I bought good stocks, id what you know? 508 00:39:59.559 --> 00:40:05.079 Like I said, I bought Serious FM at seventeen cents. Now I 509 00:40:05.079 --> 00:40:08.239 think it's up around four or five bucks. You know, I bought five 510 00:40:08.360 --> 00:40:14.000 thousand shares of that. It just if something made sense, I bought it, 511 00:40:15.400 --> 00:40:19.159 okay. But when you said you bought it, it's with the original 512 00:40:19.239 --> 00:40:24.199 seventy five thousand, correct, Yeah, my four one from work? Good? 513 00:40:24.280 --> 00:40:29.159 I know, I got over into an eye already and opened the broker's 514 00:40:29.159 --> 00:40:31.360 account. Got it. But you you did not transfer any more money, 515 00:40:31.599 --> 00:40:37.239 So no one can say that's a bad deal. If you took seventy five 516 00:40:37.320 --> 00:40:40.559 thousand and turned it into five hundred thousand. Yeah, I'm looking at it 517 00:40:40.599 --> 00:40:45.239 now, my total now, and I'm saying seventy five that's i'd have to 518 00:40:45.280 --> 00:40:51.199 really, my my balance right now is five hundred and twenty six thousand. 519 00:40:51.360 --> 00:40:53.880 That's wonderful forty nine dollars. And what do you normally make on that in 520 00:40:53.920 --> 00:41:02.639 a year? I'm at eleven percent, okay, and that's what has shown 521 00:41:02.679 --> 00:41:07.599 me on on my account, and at eleven percent on the year, or 522 00:41:07.599 --> 00:41:12.760 eleven percent for the past twelve months, eleven percent for the whole time that 523 00:41:12.800 --> 00:41:19.320 i've it's given me an eleven percent return right now, right now, right 524 00:41:19.440 --> 00:41:22.280 right. That's not you. You did not get eleven percent for ten years, 525 00:41:22.320 --> 00:41:25.559 but you did well. It doesn't matter. I'm just I'm more curious 526 00:41:25.599 --> 00:41:29.559 than anything, okay, because I mean, and I don't got a clue. 527 00:41:29.920 --> 00:41:31.920 I'm not a stock market person. To me, it's a game, 528 00:41:32.840 --> 00:41:36.760 you know, I mean, no, no, But what you've done is 529 00:41:36.840 --> 00:41:43.480 remarkable. Joe Giano, would you say he's done remarkable? Oh? Absolutely, 530 00:41:43.559 --> 00:41:46.320 Tom, I really believe that my hat's off to you, because I 531 00:41:46.360 --> 00:41:50.800 mean, when you take seventy five thousand then turn it into that kind of 532 00:41:50.880 --> 00:41:53.760 money that you have right now, that's phenomenal. Okay, So you made 533 00:41:53.760 --> 00:42:00.679 some good choices with the stocks that you bought, absolutely good. Like I 534 00:42:00.719 --> 00:42:06.039 said, I what Apple? What Google? When it was cheap? Yeah? 535 00:42:06.079 --> 00:42:08.760 It just everything's just exploded. Well you know what you did? You 536 00:42:08.800 --> 00:42:13.079 know, here, here's the deal. What I don't want to do. 537 00:42:13.320 --> 00:42:17.920 What I don't want to do ever, is give people the illusion or the 538 00:42:19.000 --> 00:42:22.360 idea that any one thing that worked for somebody is going to work for someone 539 00:42:22.360 --> 00:42:27.840 else. Because there are no guarantees. You could have lost every dime you 540 00:42:27.920 --> 00:42:32.639 could well well listen though, you know, I was making money heads over 541 00:42:32.760 --> 00:42:38.159 tails or whatever when Trump was in, when Biden, it's just coming back. 542 00:42:38.280 --> 00:42:44.000 I lost. I lost money with Biden. It wait dropped, you 543 00:42:44.039 --> 00:42:46.880 know, and it's slowly coming back now. I figured right before the elections, 544 00:42:46.920 --> 00:42:55.639 I'm selling everything. Okay, So I asked chat GPT, Okay, 545 00:42:59.239 --> 00:43:02.599 what your average would be? Are you still there, Bill? Or did 546 00:43:02.639 --> 00:43:08.079 he hang up anyway? The average rate of retiarn per year for a ten 547 00:43:08.159 --> 00:43:14.159 year period. I just don't believe that it happened. Okay. He would 548 00:43:14.159 --> 00:43:19.639 have had to make near twenty percent a year every single year in order to 549 00:43:19.760 --> 00:43:28.800 take seventy five thousand and reinvest it to make five point fifty. And there 550 00:43:28.880 --> 00:43:34.440 were years it would have been impossible impossible. Now I'm not saying you're lying. 551 00:43:34.599 --> 00:43:37.960 I saying something happened. I don't know what it was, but my 552 00:43:37.280 --> 00:43:44.960 god, I mean, you know, to average over nineteen percent for ten 553 00:43:45.079 --> 00:43:49.559 years straight, that's what that's what it's saying. That's what the figures are 554 00:43:49.599 --> 00:43:54.360 saying. If you grew your account from seventy five to five point fifty. 555 00:43:57.840 --> 00:44:00.360 So you know, I don't know, like I said, but anyway, 556 00:44:00.880 --> 00:44:07.280 I'm glad that you're successful in whatever you're doing. And Joe, how many 557 00:44:07.360 --> 00:44:15.199 people do you think take a retirement account, invest it in the stock market, 558 00:44:15.280 --> 00:44:17.880 and live off at the rest of their lives without any other help. 559 00:44:19.880 --> 00:44:22.400 Not many, dam I mean, you know this, gentleman, it really 560 00:44:22.400 --> 00:44:27.159 seems to be the exception to the rule. Well, he's made over nineteen 561 00:44:27.199 --> 00:44:30.440 percent a year according to that. I have never never, in my fifty 562 00:44:30.639 --> 00:44:36.159 years, you know, have met anybody that have actually met you know, 563 00:44:36.599 --> 00:44:40.280 said that they have made it. You know that going to return over the 564 00:44:40.360 --> 00:44:45.119 period of time, there's no way. Well that includes hold on, if 565 00:44:45.159 --> 00:44:52.000 it's ten years, that was back in for ten years. That was back 566 00:44:52.039 --> 00:44:55.920 in twenty twenty three. Excuse me, twenty oh, twenty thirteen, right, 567 00:44:58.039 --> 00:45:00.199 yeah, right, twenty twelve, who's out? And thirteen we were 568 00:45:00.199 --> 00:45:04.440 coming out of every If you look at the stock market over those years, 569 00:45:05.440 --> 00:45:08.360 it doesn't come close to that. Oh no, you know. Actually, 570 00:45:08.360 --> 00:45:14.159 I mean if you if you do that chat GP you know, whatever you're 571 00:45:14.199 --> 00:45:17.280 doing with the program, Tom, you know, you may want to check 572 00:45:17.360 --> 00:45:21.760 to see, you know, what the store market I sort of need return 573 00:45:22.159 --> 00:45:24.639 over the left stand or twenty years that you will see that. It's not 574 00:45:24.719 --> 00:45:31.679 even close to that. It's like maybe six percent at the top. Okay, 575 00:45:31.719 --> 00:45:35.599 That's what I'm doing right now. Yeah, check it out. What 576 00:45:35.639 --> 00:45:38.840 did it return over the past ten years? My god, this is the 577 00:45:38.880 --> 00:45:44.000 first time I've ever had chat GPT. Just blink blink, blink, blink 578 00:45:44.000 --> 00:45:46.960 blink. Let's see over the last ten years. Well, yeah, it's 579 00:45:47.039 --> 00:45:52.159 it's given me all the disclaimers. It depends on what you invested in and 580 00:45:52.199 --> 00:45:54.800 all of that. But this is one of the most difficult questions I've ever 581 00:45:54.800 --> 00:45:59.320 seen. It struggle with it says, Okay, so if you go to 582 00:45:59.360 --> 00:46:02.119 the S and PR the five hundred index which tracks them, and it keeps 583 00:46:02.159 --> 00:46:08.199 going and it says, for example, the ten year average. I'm trying. 584 00:46:08.599 --> 00:46:12.599 It says it's difficult to calculate. Let's see what it comes up with. 585 00:46:14.199 --> 00:46:15.280 I don't know if it's going to give me a number. I don't 586 00:46:15.280 --> 00:46:19.719 know. It didn't give me a number. It says it's impossible. I 587 00:46:19.760 --> 00:46:24.559 don't know why it says it's impossible to calculate. Anyway, there you want 588 00:46:24.559 --> 00:46:29.159 to bet it wasn't nineteen percent or close? Well, I come beck, 589 00:46:29.239 --> 00:46:32.039 Yeah, all right, doubt now, Edward, excuse me, Dwayne. 590 00:46:32.679 --> 00:46:39.760 Let's talk about your off road vehicle. What's going on. It's more of 591 00:46:39.760 --> 00:46:45.360 a question I guess about like switch advertising. No, go ahead, I 592 00:46:45.360 --> 00:46:46.800 know a lot about that over the years. Go ahead, sir, Yeah, 593 00:46:46.800 --> 00:46:50.159 no, I know That's why I called you. So yes, certain, 594 00:46:51.039 --> 00:46:52.480 there's an ad. There's an add up. There's a few that are 595 00:46:52.559 --> 00:46:55.519 around the country, actually, but there's one in particular that I was interested 596 00:46:55.559 --> 00:46:59.639 in and I looked at it and it's it's for a brand new oper road 597 00:46:59.719 --> 00:47:02.920 vehicle, a Flaris soft road vehicle from a dealership. And you know it's 598 00:47:04.000 --> 00:47:07.760 it's one of their salesmen that just put an ad up on the Facebook marketplace, 599 00:47:07.039 --> 00:47:10.920 as they do on Marketplace and on Craiglist, and you know, it 600 00:47:10.920 --> 00:47:15.559 says right on the top, twenty ninety nine dollars. And then the ad 601 00:47:15.599 --> 00:47:20.039 goes ahead and says, it's a fully loaded vehicle and here's all the upgrades 602 00:47:20.039 --> 00:47:22.320 that have been done to it, and this is the machine that you've always 603 00:47:22.360 --> 00:47:25.079 dreamed of. And I'm like, wow, you know that's a it's a 604 00:47:25.079 --> 00:47:29.280 great deal and a great machine there. And then I get in touch with 605 00:47:29.320 --> 00:47:31.280 them and go, you know, I'd be interested in this, and then 606 00:47:31.320 --> 00:47:35.719 I guess the well, that's the base price. Then we add a bunch 607 00:47:35.760 --> 00:47:38.079 of accessories, wheels, hires, radios, roll cage, blah blah blah, 608 00:47:38.159 --> 00:47:40.400 and I can get you an out the door price if you'd like that. 609 00:47:42.239 --> 00:47:45.559 And I'm just wondering, is this a deceptive ad? Yes? It 610 00:47:45.639 --> 00:47:47.800 is that they just do. Yes, it is. And it happens with 611 00:47:47.920 --> 00:47:54.800 cars too. I've seen I've seen MSRP car prices on the internet and you 612 00:47:54.880 --> 00:48:00.000 call and they say, well that's MSRP, but we add fifty thousand dollars 613 00:48:00.239 --> 00:48:04.280 or something, and you ask a question, is it deceptive? The answer, 614 00:48:04.360 --> 00:48:07.920 the short answer is yes. Now, what you really want to ask 615 00:48:07.079 --> 00:48:10.119 is is there anything you can do about it? And we'll tackle that coming 616 00:48:10.199 --> 00:48:21.280 right up. Go with a sure thing Denver's best roofer Excel Roofing dot com. 617 00:48:21.320 --> 00:48:27.880 You don't pay a cent until you're content. Time for an insurance check 618 00:48:27.960 --> 00:48:32.599 up free no obligation comparison call Compass Insurance paying too much your coverage at dozens 619 00:48:32.599 --> 00:48:37.280 of insurance companies find out now three O three seven to seven to one help. 620 00:48:37.440 --> 00:48:40.039 You'll think you're his only customer when you choose Frank durand the real estate 621 00:48:40.079 --> 00:48:45.800 Man dot com to list your home with Remax Alliance three three nine two zero 622 00:48:45.880 --> 00:48:59.760 sixteen twenty two. Hi Tom Martino three O three seven to one three talks 623 00:49:00.119 --> 00:49:02.639 on three A two five five. So I asked the question another way. 624 00:49:05.039 --> 00:49:09.039 What has been the average yearly way to return for the S and P five 625 00:49:09.119 --> 00:49:15.480 hundred? Really not that bad? For ten years it's been eleven point seven 626 00:49:15.559 --> 00:49:22.199 percent. But here's the misnomer on that, or the mis guidance on that, 627 00:49:22.800 --> 00:49:28.519 Joe. If the S and P five hundred represented a fund and you 628 00:49:28.599 --> 00:49:31.400 left the money in there, there's an average rate of return of eleven point 629 00:49:31.400 --> 00:49:39.800 seven percent. However, However, here's the point. If you trade that 630 00:49:39.920 --> 00:49:45.920 eleven point seven percent does not necessarily mean you've got a gain. If if 631 00:49:45.920 --> 00:49:51.000 the S and P was down, if the S and P was down like 632 00:49:51.559 --> 00:49:54.480 it was on a few years, it takes twice as much to get back 633 00:49:54.480 --> 00:50:01.079 to zero. So you would have to pick write stocks, keep them invested 634 00:50:01.159 --> 00:50:07.320 for ten full years, and then reinvest what you made again. I'm not 635 00:50:07.360 --> 00:50:12.920 saying you can't do it, but that's the way it works. The volatility 636 00:50:12.960 --> 00:50:19.639 in the stock market is mostly with trading, but that's good and bad because 637 00:50:19.679 --> 00:50:22.559 there are many many funds that outperform the S and P and there are many 638 00:50:22.599 --> 00:50:29.280 that lose more. Again, it depends on what your goal is. If 639 00:50:29.320 --> 00:50:32.639 your goal is to go to Vegas and make it big or go broke, 640 00:50:34.400 --> 00:50:37.320 then you can do that by trading if you know what you're doing. If 641 00:50:37.320 --> 00:50:40.960 you're just giving it to a mutual fund, you can do pretty well too. 642 00:50:42.639 --> 00:50:47.400 But here's the part people are missing. That ten years it's been invested 643 00:50:47.920 --> 00:50:55.840 earns you nothing as far as future income. It earns you a lump sum. 644 00:50:55.960 --> 00:51:00.760 And even if you made that lump sum, then if you divide that 645 00:51:01.400 --> 00:51:06.960 by the number of years you have left. Is it adequate income or not? 646 00:51:07.719 --> 00:51:09.480 That's what you have to do. So there's two sides to the coin. 647 00:51:10.000 --> 00:51:15.800 One is returned and one is harvest. Joken, you add to that 648 00:51:15.840 --> 00:51:19.679 real quick. I gotta love no. No, I mean absolutely, Tom. 649 00:51:19.719 --> 00:51:22.559 You know you said up perfectly. I think most people today are really 650 00:51:22.599 --> 00:51:28.280 worried about having enough money to last them the rest of their lives. That's 651 00:51:28.320 --> 00:51:32.320 the annuity is for now. Dwayne, the off road vehicle, You asked 652 00:51:32.320 --> 00:51:37.559 a question if they advertise a Polaris ATV for twenty nine nine ninety nine, 653 00:51:37.000 --> 00:51:40.599 and it says fully loaded the vehicle you really want, and then you call 654 00:51:40.639 --> 00:51:44.119 and they say, well, that's just the base price. Right? Is 655 00:51:44.119 --> 00:51:47.639 that what they said? That's correct? Now, it depends on how it's 656 00:51:47.679 --> 00:51:52.920 worded. But let's just say it was worded where it's deceptive. Yes, 657 00:51:52.400 --> 00:51:57.920 the answer is it's deceptive. But your real question is what can you do 658 00:51:58.000 --> 00:52:05.199 about deceptive advertising? Right? Right? Okay? The answer is not much? 659 00:52:05.960 --> 00:52:09.079 And I'll tell you that. I'm gonna tell you why I fought this 660 00:52:09.159 --> 00:52:17.480 battle. A lot people think that deceptive advertising means they must sell it or 661 00:52:17.519 --> 00:52:24.119 they must perform as the ad promised. That is absolutely not true. They 662 00:52:24.199 --> 00:52:30.280 also believe that with bait and switch. Again that's not true. What is 663 00:52:30.400 --> 00:52:36.039 true is this, if you went, for example, to a civil court 664 00:52:36.079 --> 00:52:40.119 against them, your damages would be nothing. You simply couldn't buy it for 665 00:52:40.159 --> 00:52:45.280 that price. That doesn't mean they owe you anything. So they don't care 666 00:52:45.360 --> 00:52:51.639 about people complaining about it. They care about the few people that will buy. 667 00:52:52.199 --> 00:52:57.920 So the next question is who does care. The Federal Trade Commission cares 668 00:52:58.079 --> 00:53:02.280 about deceptive advertising, but they don't go out looking for it. You have 669 00:53:02.320 --> 00:53:07.960 to understand this. They don't go out looking for it, just like the 670 00:53:08.039 --> 00:53:15.480 FDA does not necessarily go out looking for trouble either. The FTC will take 671 00:53:15.599 --> 00:53:23.320 complaints, So if enough people complained about this ad, the dealer would get 672 00:53:23.360 --> 00:53:29.159 a notice saying, you know, can you back up this ad? And 673 00:53:29.320 --> 00:53:32.840 if they determine they were deceptive, they will write a sease and desist letter. 674 00:53:35.199 --> 00:53:39.719 If this place gets a season assist letter and then it has multiple problems 675 00:53:39.760 --> 00:53:45.280 in the future, they may be fined by the Federal Trade Commission. But 676 00:53:45.440 --> 00:53:52.239 the real truth is there is no punishment other than that. So people take 677 00:53:52.360 --> 00:53:58.800 chances all the time on deceptive advertising. When we say deceptive advertising, as 678 00:53:58.840 --> 00:54:07.920 you did it sounds way more ominous than it is. And that's that's the 679 00:54:07.039 --> 00:54:12.559 quick answer. Now I have done. I have called places and been very 680 00:54:12.599 --> 00:54:15.519 pissed off when I call on a sticker price which for this vehicle would have 681 00:54:15.559 --> 00:54:20.679 been great, and they want to add seventy five thousand, and I say 682 00:54:20.679 --> 00:54:24.960 to them, that's not what the ad says, and I have not gotten 683 00:54:25.000 --> 00:54:28.880 it for that phrase. What they say is well, okay, and then 684 00:54:28.880 --> 00:54:32.360 they've corrected the ad. But you know, you can't make them sell it 685 00:54:32.400 --> 00:54:39.119 for what they're advertising. That's the problem, gotcha. So it's now if 686 00:54:39.239 --> 00:54:45.400 in fact, there was a bait and switch that cost you damages, like 687 00:54:45.480 --> 00:54:47.639 you went through a snow blizzard and you were going there because they said you 688 00:54:47.639 --> 00:54:51.239 could get this and you called up and they said, yeah, we have 689 00:54:51.280 --> 00:54:52.719 three more left, and you get there and it's a bunch of bs. 690 00:54:52.920 --> 00:54:57.000 You may have some civil damages, but no one ever pursues it. That's 691 00:54:57.039 --> 00:55:00.639 why everyone does the deceptive ads. That's why they do it because they don't 692 00:55:01.039 --> 00:55:06.360 care. Gotcha. Okay, thanks for calling though, because it's a great 693 00:55:06.400 --> 00:55:09.039 topic. It really really is. Now, Edward, what about car insurance 694 00:55:09.079 --> 00:55:12.239 man? What can we do to help you? I hope you're still there. 695 00:55:12.320 --> 00:55:16.039 Thank you for holding on. Yeah, Tom, Yes, sir, 696 00:55:17.280 --> 00:55:25.000 I'm here. I want some information on a claim. Okay, here's what 697 00:55:25.159 --> 00:55:30.519 happened in Lakewood on Sheridan. I went into a locksmith. A guy backed 698 00:55:30.559 --> 00:55:35.480 into my car. Well, I was in a locksmith. My buddy came 699 00:55:35.559 --> 00:55:38.800 running in, told me somebody hit the car. Okay. Bottom line is 700 00:55:39.519 --> 00:55:45.519 the guy didn't have a license. Okay. Now, did he take off 701 00:55:45.599 --> 00:55:50.000 or did he stay? No, he started to say to take off, 702 00:55:50.039 --> 00:55:54.239 but he stayed. However, Okay, I called the Lakewood Police Department. 703 00:55:54.920 --> 00:56:01.079 They came, and he told me it's not illegal to drive on private property 704 00:56:01.239 --> 00:56:06.400 without a license, that's right. And if this guy claims he was just 705 00:56:06.519 --> 00:56:10.760 backing up somebody's car and he he won't get a ticket for driving without a 706 00:56:10.840 --> 00:56:15.760 license unless he was on a road, that's right. Okay, he did 707 00:56:15.840 --> 00:56:21.960 get a ticket for unsafe backing. Okay. Good. So yeah, here's 708 00:56:22.000 --> 00:56:24.360 the deal. No, okay, okay, let me tell you this. 709 00:56:25.079 --> 00:56:31.719 The vehicle was ensured by dairy Land. Okay, who owns the car? 710 00:56:32.159 --> 00:56:37.280 Who owns the car? Yeah, that's a good question. I don't know. 711 00:56:37.559 --> 00:56:44.280 I put a claim in with dairy Land and they're like Crish Press and 712 00:56:44.360 --> 00:56:47.360 Naydan getting hold on. Well we can't. We cannot get hold of the 713 00:56:47.400 --> 00:56:53.039 person. That's right. And that's the standard answer for dairy Land is code 714 00:56:53.079 --> 00:56:59.920 for I don't have insurance. I mean, I know it's it's it's truly 715 00:57:00.119 --> 00:57:02.480 a company. It's the worst. Well, it's one of the worst. 716 00:57:02.599 --> 00:57:07.119 And I don't include in the big five because the Big five are the biggest 717 00:57:07.119 --> 00:57:13.760 ones. But Dairyland is a terrible insurance company. I don't know if they 718 00:57:13.800 --> 00:57:20.599 ever paid acclaim in fact. Now listen, your situation is this, okay, 719 00:57:22.079 --> 00:57:25.559 Dairyland is not responsible to you. The driver of the car is responsible 720 00:57:25.559 --> 00:57:32.719 to you. The owner of the car could be responsible to you for negligent 721 00:57:34.039 --> 00:57:37.960 entrustment of that car to someone without a license. What you need to do 722 00:57:37.159 --> 00:57:40.199 is some did you get the license plate number? You need to do research 723 00:57:40.239 --> 00:57:44.320 and find out who owns the car. Then you need to get the owner 724 00:57:44.320 --> 00:57:46.119 of the driver, excuse me, the name of the driver, and you 725 00:57:46.159 --> 00:57:50.960 need to sue them both in small claims court. How much damage was done? 726 00:57:51.320 --> 00:57:58.360 Oh really, Oh man, it wasn't terrible. It was sixteen hundred. 727 00:57:58.800 --> 00:58:02.119 Is your insurance covering it? Well? No, here's the thing on 728 00:58:02.159 --> 00:58:07.559 that. I just have liability, so I don't think those subbergate. Well 729 00:58:07.559 --> 00:58:14.119 wait, well, of course not, because liability doesn't cover that. Yeah. 730 00:58:14.320 --> 00:58:20.079 Now if I had collision and comprehensive, it would correct. That's right. 731 00:58:21.840 --> 00:58:25.360 Would I have to have both of those for that particular one? You 732 00:58:25.440 --> 00:58:31.480 need collision coverage? Collision? So here's the deal, Edward. Is your 733 00:58:31.519 --> 00:58:37.039 car drivable? Oh yeah, no problem. Listen, did you get the 734 00:58:37.159 --> 00:58:42.840 name and address of this guy that doesn't have a license. I have the 735 00:58:43.039 --> 00:58:47.400 name and the phone number. That's it. Well you should have gotten more 736 00:58:47.400 --> 00:58:52.639 information. Did you get the license plate number of the car? I believe 737 00:58:52.679 --> 00:58:58.119 my dad. Yes, Well, do some research, find out who owns 738 00:58:58.159 --> 00:59:00.599 the car, take them to small Claim Score. You'll get a judgment, 739 00:59:01.000 --> 00:59:06.079 and then with that judgment you can use it for toilet paper if you don't 740 00:59:06.119 --> 00:59:10.199 if you run out during maybe the next pandemic. But I doubt anybody's going 741 00:59:10.280 --> 00:59:14.400 to pay you a dime. And it's unfortunate. But let me just put 742 00:59:14.400 --> 00:59:19.159 it this way. It is the way of the world. And if I 743 00:59:19.280 --> 00:59:22.119 say anymore, people are going to say, don't get political. But it 744 00:59:22.239 --> 00:59:28.880 is the way of the world. So my question is Why is our country 745 00:59:29.239 --> 00:59:34.360 like that? Why is our state like that? You answer your own question, 746 00:59:34.480 --> 00:59:42.280 piss yourself off. I got more coming up. Go with a sure 747 00:59:42.400 --> 00:59:45.920 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 748 00:59:45.960 --> 00:59:53.159 you're content. Time for an insurance checkup free, no obligation. In comparison, 749 00:59:53.280 --> 00:59:59.159 call Compass Insurance paying too much your coverage at dozens of insurance companies find 750 00:59:59.159 --> 01:00:01.159 out now three out three seven to seven to one. Help. You'll think 751 01:00:01.159 --> 01:00:06.199 you're his only customer when you choose Frank durand the real estate Man dot com 752 01:00:06.239 --> 01:00:09.880 to list your home with Remax Alliance three oh three nine two zero sixteen twenty 753 01:00:09.920 --> 01:00:20.760 two. Hi, Tom Martino, your troubleshooter three oh three seven one three 754 01:00:20.840 --> 01:00:24.079 talks seven one three eight two five five Edward, what is your additional question 755 01:00:24.159 --> 01:00:28.239 on that claim? Where a guy pulled in, he doesn't have a license, 756 01:00:28.280 --> 01:00:30.760 You don't know who owns the car. What's your additional question? Sir? 757 01:00:30.039 --> 01:00:35.679 Oh, okay, just I gotta go after him, the owner of 758 01:00:35.719 --> 01:00:39.039 the vehicle and him himself. That's right, That's right, okay. Now 759 01:00:39.079 --> 01:00:45.760 one more question, Tom. Now this is a separate thing. But now 760 01:00:45.840 --> 01:00:51.239 if a person one doesn't have somebody can name as an executor for a will. 761 01:00:51.760 --> 01:00:57.199 Are their companies you can hire to do that? Or is an attorney 762 01:00:57.320 --> 01:01:01.559 the only other choice? Okay, that's a very good question, Edward. 763 01:01:01.920 --> 01:01:09.639 And I'm going to tell you there are people called public administrators. Most of 764 01:01:09.679 --> 01:01:16.320 them are attorneys, and they can be they can be hired to administer your 765 01:01:16.480 --> 01:01:22.079 estate. But I'm going to tell you something straight up. They should be 766 01:01:22.159 --> 01:01:27.480 called rapers and pillagers. And I don't know what size of state you have, 767 01:01:28.360 --> 01:01:30.239 but you can count on a big chunk of it going to them. 768 01:01:30.679 --> 01:01:36.239 They're the most disgusting people on the face of the earth. So I would 769 01:01:36.400 --> 01:01:43.960 never ever use a public administrator ever. Now, attorneys that you appoint not 770 01:01:44.119 --> 01:01:46.039 much better. They're going to charge out the no's, but they're not going 771 01:01:46.119 --> 01:01:51.239 to be as bad, but they could be. So Really, when you 772 01:01:51.320 --> 01:01:57.760 say you have no one, what size is your estate? It's probably a 773 01:01:57.840 --> 01:02:06.519 million a million? And how many airs do you have? How many errors 774 01:02:06.559 --> 01:02:09.559 do I have? Yeah? None? None? So what do you want 775 01:02:09.559 --> 01:02:15.239 to do with your money? Yeah? See, I'm going to give most 776 01:02:15.280 --> 01:02:21.599 of it to charity. Okay for that? For that, then it doesn't 777 01:02:21.639 --> 01:02:25.159 matter because if you're giving it most to charity. You can do that now 778 01:02:27.039 --> 01:02:31.480 and the charity will step in when you die. Uh huh. So you 779 01:02:31.519 --> 01:02:37.159 can actually arrange that through the charity's legal department. What charity or do you 780 01:02:37.199 --> 01:02:44.440 want more than one Saint Jude? Then okay, you can arrange that with 781 01:02:44.559 --> 01:02:49.840 Saint Jude. They will have they have endowment programs and you can go directly 782 01:02:49.920 --> 01:02:53.199 to them and they will do all the paperwork. So when you pass, 783 01:02:53.760 --> 01:02:57.559 if you need money for burial or this or that or the other thing, 784 01:02:57.880 --> 01:03:00.800 that's set aside. The rest of it is automatically transferred. That's what you 785 01:03:00.880 --> 01:03:07.079 ought to do. Do not use the public administrator. Yeah, how old 786 01:03:07.119 --> 01:03:10.400 are you, Edward? You gave me that advice? How old are you 787 01:03:10.639 --> 01:03:15.679 turn seventy? Oh my god? And I don't have an any name as 788 01:03:15.719 --> 01:03:22.360 an executor any danas problem? See yeah, huh, you just turned seventy. 789 01:03:22.559 --> 01:03:28.360 Just turn seventy. Yes, that's correct. Okay, Well, I 790 01:03:28.400 --> 01:03:31.880 hope you have a good long life. I turned seventy a while ago. 791 01:03:34.079 --> 01:03:37.760 Yeah, I was reading about that. So here's what you do, sir. 792 01:03:37.519 --> 01:03:40.440 You call Saint Jus and if you need any help, you call us 793 01:03:40.440 --> 01:03:49.599 back. Okay, okay, but make sure you deal directly with them. 794 01:03:49.920 --> 01:03:53.679 What make sure you deal directly with them? Yes, sir, Yes, 795 01:03:53.760 --> 01:03:57.679 sir, I got you all right, Edward, stay in touch, bro 796 01:03:58.639 --> 01:04:01.599 Thank you. Three O three seven one three talk seven one three eight two 797 01:04:01.639 --> 01:04:05.480 five five. I thought it was imminent any day now. He just turned 798 01:04:05.519 --> 01:04:09.599 seventy. Okay, anyway, you got to be prepared. This is good. 799 01:04:09.679 --> 01:04:16.360 Good to be prepared, Antoinette, what's going on him? Hey, 800 01:04:16.440 --> 01:04:25.360 what's happening? So my this is a car thing about the dealership switching out 801 01:04:25.400 --> 01:04:29.719 their lice some plates. So back in October, and it's taken me a 802 01:04:29.760 --> 01:04:34.239 minute because I had to get with the Saint Trooper to send him proof that 803 01:04:34.360 --> 01:04:39.320 these people switched out their license plates. But I was taking my son home. 804 01:04:40.400 --> 01:04:43.639 I was taking my son home back October fourth, and we were cruising 805 01:04:43.679 --> 01:04:50.119 down sixty fifth towards Federal. And as we were cruising down the street, 806 01:04:51.519 --> 01:04:55.440 I get fired. I get hit by this car and I looked to my 807 01:04:55.559 --> 01:05:00.559 left and it's the big SUV. Yeah, and well, anyway, I 808 01:05:00.559 --> 01:05:02.480 get a bunch of people. I'm sorry, hold on a second here, 809 01:05:02.920 --> 01:05:06.239 Yeah, that's give me something. But we get a bunch of a bunch 810 01:05:06.280 --> 01:05:09.679 of people running out. I'll tell you what if you could do me a 811 01:05:09.719 --> 01:05:12.639 favorite, Antoinette, Just get settled. I have to take this break anyway. 812 01:05:12.679 --> 01:05:15.639 I want to come back to you. So back in October sixty fifth 813 01:05:15.679 --> 01:05:18.239 in Federal you got sideswiped. You said someone switched license plates. We'll come 814 01:05:18.320 --> 01:05:27.000 right back and talk about it right after this. Go with a sure thing 815 01:05:27.119 --> 01:05:30.519 Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're 816 01:05:30.599 --> 01:05:38.559 content. Time for an insurance checkup free, no obligation. In comparison, 817 01:05:38.679 --> 01:05:43.800 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 818 01:05:43.800 --> 01:05:46.360 now three O three seven seven to one help. You'll think you're his only 819 01:05:46.440 --> 01:05:50.280 customer when you choose Frank durand the real estate Man dot com to list your 820 01:05:50.280 --> 01:06:00.159 home with Remax Alliance three oh three nine two zero sixteen twenty two. I'm 821 01:06:00.239 --> 01:06:03.719 Martino. You're a troubleshooter. Three oh three seven one three talk seven one 822 01:06:03.719 --> 01:06:06.159 three A two five five, get your calls and we have a lot of 823 01:06:06.159 --> 01:06:11.679 time, Antoinette says. Back in October sixty fifth and Federal got sideswiped by 824 01:06:11.679 --> 01:06:16.599 a big suv keep going Antwinette. What happened then? So? Yeah, 825 01:06:16.639 --> 01:06:20.519 so when we got hit, and it wasn't like really bad because they were 826 01:06:20.559 --> 01:06:24.639 backing out of a parking lot. So they hit the side of my door 827 01:06:24.639 --> 01:06:29.960 and the driver's side where the mirror is where it increases. Yeah, and 828 01:06:30.039 --> 01:06:32.280 so it was just me, my son and my ship suit. So anyway, 829 01:06:32.320 --> 01:06:36.000 I looked to my left and I got a bunch of people running up 830 01:06:36.000 --> 01:06:40.559 to my window. And one guy comes up and he's like, hey, 831 01:06:41.079 --> 01:06:44.639 hey, you hit my car. You're gonna have to pay. You need 832 01:06:44.679 --> 01:06:48.519 to, you need to you know, give me your insurance information or wait 833 01:06:48.519 --> 01:06:51.840 wait, wait wait wait he accused you. He accused you of hitting him, 834 01:06:51.840 --> 01:06:57.719 and he was backing out right. We later found out it was this 835 01:06:57.800 --> 01:07:00.039 woman and she was what the poe because I didn't really get to see, 836 01:07:00.159 --> 01:07:03.800 well, where where were you? Like, where were you like in the 837 01:07:03.880 --> 01:07:08.159 aisle while he was backing out or how did it work? Or was he 838 01:07:08.280 --> 01:07:12.159 were you next to him in the parking spot? No, we were just 839 01:07:12.199 --> 01:07:15.480 we were driving down sixty fifth. It's a street that's there's a seven. 840 01:07:15.599 --> 01:07:19.719 Oh I get it, okay, okay, got it. You were driving 841 01:07:19.760 --> 01:07:26.800 down sixty fifth right right right. We were driving down sixty fifth approaching Central. 842 01:07:27.039 --> 01:07:29.360 Got it, and he was backing out. Got it. So he 843 01:07:29.400 --> 01:07:32.119 says, wait a minute, you hit us, and technically, you know, 844 01:07:32.599 --> 01:07:35.840 his insurance would claim the same thing. That's what that's the problem with 845 01:07:35.880 --> 01:07:40.599 these things where you're moving down the street. The question was were you going 846 01:07:40.639 --> 01:07:43.239 too fast? Could you have avoided it? Or is this guy at fall? 847 01:07:43.320 --> 01:07:46.719 But keep going? What happened then? Right? So then what happened 848 01:07:46.760 --> 01:07:49.239 is well, so he comes, well he was beaten on my window right 849 01:07:49.239 --> 01:07:51.800 like a cry, right right right? Got it. He's like, he's 850 01:07:51.840 --> 01:07:55.599 like, you ow, he goes you hit my car, You owe me 851 01:07:55.719 --> 01:07:58.320 money. You can either we can do it to call the cops and get 852 01:07:58.320 --> 01:08:00.199 the insurance or whatever, or you we can do it without it, and 853 01:08:00.199 --> 01:08:02.400 blah blah blah. And I said, wait, wait, wait a minute, 854 01:08:02.440 --> 01:08:04.599 I said, I rolled down the window. I said, first of 855 01:08:04.599 --> 01:08:08.480 all, I was He said, I was speeding. Let me put that 856 01:08:08.519 --> 01:08:10.440 in there. Two And I said, I rolled down the window and I 857 01:08:10.519 --> 01:08:13.679 said, let me stop you right there, I was not speeding, So 858 01:08:13.760 --> 01:08:15.880 you need to stop saying that. And he was like, well, we 859 01:08:15.920 --> 01:08:17.640 need to resolve this. Blah blah, blah, and I said, give 860 01:08:17.640 --> 01:08:23.119 me a minute, because I was calling because my daughter had handled the insurance 861 01:08:23.119 --> 01:08:26.039 because I didn't have the money. But it's a lot of other things that 862 01:08:26.079 --> 01:08:29.239 won't I won't go into right now, but anyway, so I don't have 863 01:08:29.319 --> 01:08:31.760 a job. I thought my insurance was effective. In fact, it wasn't, 864 01:08:32.279 --> 01:08:36.880 but she called to get me insurance even though I knew it wasn't going 865 01:08:36.960 --> 01:08:40.319 to do anything. You know, you got to go to court and be 866 01:08:40.399 --> 01:08:42.119 like, here, I do have insurance, and they're like, okay, 867 01:08:42.159 --> 01:08:44.680 whatever, you know, as long as you brought the proof in. So 868 01:08:44.800 --> 01:08:48.359 anyway, you know, they're like all right. He's like coming back and 869 01:08:48.359 --> 01:08:50.960 forth to my window, and I told him, let me just get out 870 01:08:51.000 --> 01:08:56.520 of the car and we will discuss this. So he said okay, and 871 01:08:56.560 --> 01:08:59.640 then the woman comes up. Now he said something about we need your license. 872 01:08:59.640 --> 01:09:02.039 So this woman comes up and she's you know, she doesn't her English 873 01:09:02.079 --> 01:09:03.960 is kind of broken, and she's like, I need your license. And 874 01:09:04.000 --> 01:09:06.560 I said, no, ma'am, I don't hand my license over. I 875 01:09:06.600 --> 01:09:11.399 said, I'm going to get out the car. We're going to exchange information 876 01:09:11.840 --> 01:09:15.479 because I know for a fact that I was not at fault. So then 877 01:09:15.520 --> 01:09:18.119 he's like, well, let's just take it to the warehouse, and I'm 878 01:09:18.119 --> 01:09:20.359 like, warehouse. Me and my son are looking at each other. I'm 879 01:09:20.399 --> 01:09:24.239 like, why am I going to a warehouse? Go with a sure thing 880 01:09:24.359 --> 01:09:28.760 Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're 881 01:09:28.840 --> 01:09:35.159 content the time for an insurance checkup free, no obligation in comparison, call 882 01:09:35.279 --> 01:09:41.279 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 883 01:09:41.279 --> 01:09:45.119 three all three seven seven to one help. You'll think you're his only customer 884 01:09:45.159 --> 01:09:47.800 when you choose Frank durand the real estate Man dot com to list your home 885 01:09:48.000 --> 01:10:00.600 with Remax Alliance three all three nine two zero sixteen twenty two Yeah with news 886 01:10:01.399 --> 01:10:08.119 need advice so you don't have come a run in Just as fas as we 887 01:10:08.319 --> 01:10:15.159 can. Shooter's gonna help come man, This is the Troubleshooter Show. No 888 01:10:15.720 --> 01:10:19.720 Tom Martino. Hello, I'm Tom Martino. Welcome to the show. Three 889 01:10:19.840 --> 01:10:24.359 oh three seven one three talks seven one three eight two five five is our 890 01:10:24.439 --> 01:10:27.640 number. This hour brought to you by eight eight eight Heating dot com for 891 01:10:27.760 --> 01:10:31.560 high efficiency replacements of your furnace with heat pumps or not, but high efficiency, 892 01:10:31.640 --> 01:10:35.199 and they guarantee to save you money going in and every single month. 893 01:10:35.239 --> 01:10:41.319 People you know and trust at eight eight eight heating dot com three oh three 894 01:10:41.520 --> 01:10:47.680 seven seven zero two seven seven six. Hey, welcome, what's going on, 895 01:10:48.439 --> 01:10:57.039 let's talk. Antwinette says, Okay, we were driving down sixty fifth 896 01:10:57.239 --> 01:11:00.920 guys pulling out of arkspot or a woman is and sideswipes me. They accused 897 01:11:00.920 --> 01:11:04.359 me of hitting them. I said, I'm not at fault. We were 898 01:11:04.399 --> 01:11:11.600 exchanging information. Take it from there, Antoinette, what happened then? Okay, 899 01:11:11.680 --> 01:11:15.199 So after all this back and forth stuff, but I'm sorry if I'm 900 01:11:15.199 --> 01:11:16.760 giving too much information because I don't know what you want exactly. So I'm 901 01:11:16.760 --> 01:11:19.560 sorry. At this point, I don't know what I want either because I 902 01:11:19.560 --> 01:11:24.960 don't know where it's going. So keep going. Okay. So after all 903 01:11:25.000 --> 01:11:30.000 this back and forth stuff, I've the cop the Continent of coming is actually 904 01:11:30.039 --> 01:11:34.319 a stake trooper, and before he came they had said they had called him. 905 01:11:34.359 --> 01:11:35.680 I said, that's fine. I said. I was like, well, 906 01:11:35.680 --> 01:11:39.680 go ahead and calm because we're gonna call two. So when we were 907 01:11:40.039 --> 01:11:43.039 getting out the car, I was video recording stuff like that too. The 908 01:11:43.159 --> 01:11:46.520 vehicle, my vehicle, the woman that was driving, supposedly, and some 909 01:11:46.800 --> 01:11:50.920 guy, another guy that was with her. You know, I'm like, 910 01:11:51.000 --> 01:11:54.560 where are you going? And he's like, ma'am, ma'am, can we 911 01:11:54.640 --> 01:11:58.119 please leave? She has an important meeting to be at by seven, and 912 01:11:58.279 --> 01:12:01.039 me being kind of dodo, I guess I figured because I took a picture 913 01:12:01.039 --> 01:12:05.720 of her license and I did video record the vehicle and got the license plate 914 01:12:05.840 --> 01:12:10.079 on there, I was like, yeah, whatever, you know. So, 915 01:12:10.079 --> 01:12:14.640 so the state trooper comes and we're explaining what happened, and he said, 916 01:12:14.680 --> 01:12:15.560 so, it's a hit and run. I said, yeah, they 917 01:12:15.560 --> 01:12:19.000 said she had a meeting to go to, but it wasn't. It wasn't 918 01:12:19.039 --> 01:12:23.880 a hit and run. No, it wasn't what use we called it, 919 01:12:23.880 --> 01:12:26.560 but it was meant she had the scene of an accident or whatever you want 920 01:12:26.560 --> 01:12:30.439 to call it. But yeah, so he because I had our driver's license 921 01:12:30.479 --> 01:12:31.880 information, he said, Wow, this is pretty easy. I'm going to 922 01:12:31.960 --> 01:12:35.119 go give her a big fat ticket because she shouldn't have done that, and 923 01:12:35.159 --> 01:12:39.880 she was that fault. She was pulling out of this dealership that's right on 924 01:12:40.000 --> 01:12:42.319 sixty fifth and Federal. I don't know if I'm allowed to say or not, 925 01:12:42.359 --> 01:12:45.039 but I won't say it. But anyway, it's a little rinkyding dealership. 926 01:12:45.479 --> 01:12:50.920 And so she got the ticket. But when the report came, I 927 01:12:50.920 --> 01:12:56.800 guess they spoke to a different officer and they lied to that officer. They 928 01:12:56.800 --> 01:13:00.800 told them that the reason why they left is because my son, Robert was 929 01:13:00.880 --> 01:13:03.640 making her feel uncomfortable. And I'm like, are you kidding me here? 930 01:13:03.800 --> 01:13:09.239 That dude kept be on my window several times. But anyway, I looked 931 01:13:09.239 --> 01:13:13.359 at the report. They changed the license plate. This is my thoughts, 932 01:13:14.439 --> 01:13:18.840 but they had I'm thinking it was her personal vehicle and her husband owned that 933 01:13:18.920 --> 01:13:26.279 dealership. They switched out and put the dealer license plate on their personal vehicle 934 01:13:26.720 --> 01:13:30.840 to you know, skirt around getting insurance for their own car. And so 935 01:13:30.960 --> 01:13:34.119 when I told the state trooper that I actually have video of the right license 936 01:13:34.119 --> 01:13:38.399 plate and I screenshot it and said it to him, he then changed me. 937 01:13:38.520 --> 01:13:40.880 This was about a few weeks ago. I got to go get the 938 01:13:40.920 --> 01:13:47.039 report to the correct one, and I can still what does it matter to 939 01:13:47.079 --> 01:13:51.840 you? What does it matter to you? Because I want them to fix 940 01:13:51.920 --> 01:13:57.359 my car, But what does that have to do with the license plate if 941 01:13:57.359 --> 01:14:00.399 they're at fault. Listen, I don't get what you're getting at. The 942 01:14:00.479 --> 01:14:03.800 license plate has nothing to do with it. Their insurance has nothing to do 943 01:14:03.880 --> 01:14:11.720 with it. They owe you for damage to your car, right, well, 944 01:14:11.840 --> 01:14:15.119 so what does any of this have to do with anything? You go 945 01:14:15.239 --> 01:14:20.800 after the driver of the car for the damage of your car. That's yeah, 946 01:14:20.800 --> 01:14:25.720 That's what I'm trying to do. But okay, so hold on me 947 01:14:25.760 --> 01:14:29.359 help with that. Okay. Now what do you need help with if? 948 01:14:29.520 --> 01:14:33.079 How much is it going to cost to fix your car? I don't know, 949 01:14:33.319 --> 01:14:38.800 probably a few thousand dollars. You need to get an estimate. You 950 01:14:38.880 --> 01:14:42.720 need to get an estimate. Now, did the other party get a ticket 951 01:14:42.840 --> 01:14:45.600 or not? They did? Yeah, he gets the officer gave them a 952 01:14:45.600 --> 01:14:50.439 big fat ticket. Okay. Then what you need to do is use the 953 01:14:50.479 --> 01:14:57.199 information from the police report and you need to serve them and take them to 954 01:14:57.279 --> 01:15:03.079 small claims court for the damages to your car. You're not you don't have 955 01:15:03.159 --> 01:15:08.960 to try to find their insurance, what license plate belongs where, None of 956 01:15:09.000 --> 01:15:14.800 that matters to you. The only thing that matters. The only thing that 957 01:15:14.920 --> 01:15:20.079 matters is that they damaged your car and the police determined it was their fault, 958 01:15:20.680 --> 01:15:25.680 and you take it to court. That's it, and you'll you will 959 01:15:25.680 --> 01:15:29.720 get paid, but you have to do the legwork. It's not gonna be 960 01:15:29.760 --> 01:15:32.960 automatic. They're gonna lie to their insurance company like they lied to the police 961 01:15:33.000 --> 01:15:38.640 officer. You have to bring proof and you have to go to court, 962 01:15:39.159 --> 01:15:43.079 and you need to say I was driving down the street. They were pulling 963 01:15:43.119 --> 01:15:48.119 out. My car is damaged. I want reimbursement. The police officer gave 964 01:15:48.159 --> 01:15:53.199 them a ticket and said I had the right of way. So that's it, 965 01:15:54.880 --> 01:15:59.279 and they're gonna probably say she was speeding whatever. But none of the 966 01:15:59.359 --> 01:16:05.199 other stuff matters about leaving about license plates, you're confusing people when you add 967 01:16:05.239 --> 01:16:10.800 all of that detail. Okay, I didn't know if there was anything this. 968 01:16:10.960 --> 01:16:13.199 I mean, I didn't know. I was just okay, hold on, 969 01:16:13.600 --> 01:16:16.920 the only time that license plate would have mattered if they claimed it wasn't 970 01:16:16.960 --> 01:16:20.760 them or something. I mean, the license plate is neither here nor there, 971 01:16:21.600 --> 01:16:26.199 you know, Okay, it really you know, it's a gotcha, 972 01:16:26.319 --> 01:16:31.079 but it doesn't really come into your situation. It really doesn't. So just 973 01:16:31.239 --> 01:16:35.199 do what I said, get their name and address, have them served if 974 01:16:35.239 --> 01:16:39.640 they are part of that dealership. If that license plate, either one of 975 01:16:39.640 --> 01:16:44.000 them goes back to the dealership. Just try to serve the right people and 976 01:16:44.039 --> 01:16:47.159 then go to small claims court and get a judgment. Again, a judgment 977 01:16:47.239 --> 01:16:51.560 is no guarantee you will collect, but at least it's something, and then 978 01:16:51.600 --> 01:16:57.920 you can take that and proceed to collections. Now do you have collision coverage? 979 01:16:59.399 --> 01:17:00.880 Oh? You know you said you had no insurance at the time, 980 01:17:02.239 --> 01:17:05.760 right, I didn't. Honestly, I didn't have any because I thought, 981 01:17:06.399 --> 01:17:11.279 yeah, that's whatever. But now you could have gotten a ticket for that, 982 01:17:11.439 --> 01:17:13.880 So you better leave well enough alone, right now, go to small 983 01:17:13.880 --> 01:17:16.239 claims court and try to get this thing fixed. Thanks for calling, so 984 01:17:16.319 --> 01:17:18.880 let us know how it goes. Three O three seven to one three talk 985 01:17:18.960 --> 01:17:23.960 seven one three A two five five. Joe canos with us from my Money, 986 01:17:24.079 --> 01:17:28.640 my Way dot com and three oh three seven seven nine sixty six hundred. 987 01:17:28.840 --> 01:17:31.600 We've been having quite a discussion and I'm getting a lot of texts on 988 01:17:31.720 --> 01:17:35.479 the S and P over the last ten years the stock market, if people 989 01:17:35.479 --> 01:17:40.239 had money invested, would it have been better than an annuity? And I 990 01:17:40.319 --> 01:17:44.279 really want to make something clear, Okay, and Joe, I think you'll 991 01:17:44.319 --> 01:17:50.640 you'll agree. I will never suggest an annuity because it has a bigger rate 992 01:17:50.680 --> 01:17:57.880 of return than the stock market. I will never suggest an annuity because it's 993 01:17:57.920 --> 01:18:02.119 the only invest investment you should have. The reason I suggest an annuity is 994 01:18:02.159 --> 01:18:10.800 because it is a guaranteed return. But the most important part is guaranteed income. 995 01:18:11.279 --> 01:18:15.399 The question is if you had money in the stock market and it grew 996 01:18:15.560 --> 01:18:20.359 to a big amount and you start drawing it down, will it last the 997 01:18:20.399 --> 01:18:26.760 rest of your life? What an annuity does, a fixed indexed annuity is 998 01:18:26.880 --> 01:18:31.800 it takes the guesswork out of it. Now you can do investing all you 999 01:18:31.880 --> 01:18:36.880 want. And I think some of your money should be And by the way, 1000 01:18:36.920 --> 01:18:41.319 I practice what I preach. I have some money in the stock market, 1001 01:18:42.760 --> 01:18:46.239 I have some money in a fixed indexed annuity. I have some money 1002 01:18:46.279 --> 01:18:54.199 in the bank on very conservative like money markets and stuff, and then some 1003 01:18:54.399 --> 01:18:59.359 in treasury bills. People need to make up their own minds on this. 1004 01:19:00.279 --> 01:19:04.359 So Joe, let's talk about that. Yes, and it's actually Jordan's I 1005 01:19:04.359 --> 01:19:10.039 switched out here with my go ahead. Jordan talk about the return and people 1006 01:19:10.079 --> 01:19:13.239 are saying, look Tom. Over the last ten years, the S and 1007 01:19:13.279 --> 01:19:17.079 P did eleven point seven percent. But most people don't go into the S 1008 01:19:17.119 --> 01:19:21.760 and P and just stay there. They trade, and many of them end 1009 01:19:21.840 --> 01:19:28.159 up in a volatile situation where they're playing catch up. Some people don't. 1010 01:19:28.680 --> 01:19:31.399 If by the way, I just want to mention this, if people had 1011 01:19:31.439 --> 01:19:36.680 put in fifty thousand dollars like that, one gentleman said he did ten years 1012 01:19:36.720 --> 01:19:42.720 ago, and it was in an S and P fund that returned eleven point 1013 01:19:42.760 --> 01:19:48.880 seven percent average. By the way, averages are really not accurate either, 1014 01:19:48.960 --> 01:19:55.439 because an average means it's an average. You could have had losses in those 1015 01:19:55.520 --> 01:19:58.920 years and then you could have made up some time. But if you make 1016 01:19:58.960 --> 01:20:02.399 a loss, the average return won't get you back to zero. You have 1017 01:20:02.479 --> 01:20:08.720 to make double that. So even though it says that the ten year average 1018 01:20:09.159 --> 01:20:13.239 was eleven point seven, that doesn't mean you were making that. But let's 1019 01:20:13.319 --> 01:20:17.560 just say you were making a guaranteed eleven point seven for ten years. What 1020 01:20:17.680 --> 01:20:23.640 would you have if you put fifty thousand dollars in You would have one hundred 1021 01:20:23.680 --> 01:20:28.960 and ninety seven thousand dollars. That's what you would have if you reinvested your 1022 01:20:29.000 --> 01:20:33.760 earnings and you compound, so you'd get the compounded return that's if you had 1023 01:20:33.800 --> 01:20:39.680 a guarantee of eleven point seven. Now, if you took the same fifty, 1024 01:20:39.800 --> 01:20:42.960 I don't know what it would be. If you took the same fifty 1025 01:20:43.079 --> 01:20:51.159 and put it in a fixed indextinuity and you got the bonus and it festered 1026 01:20:51.159 --> 01:20:56.600 for ten years, how much would you have? I don't know how much 1027 01:20:56.640 --> 01:21:00.720 would you have? And again it's it's not saying you would have a guaranteed 1028 01:21:00.760 --> 01:21:04.720 of one hundred and ninety seven in a stock portfolio, because there's no guaranteed 1029 01:21:04.760 --> 01:21:10.239 eleven point seven percent rate. But if you got a guarantee of eleven point 1030 01:21:10.279 --> 01:21:13.439 seven, then you would have one ninety seven. What I'd like to know? 1031 01:21:13.960 --> 01:21:16.880 Okay, And here's another thing you need to know that one ninety seven 1032 01:21:17.920 --> 01:21:24.840 In a stock market, you also pay taxes on those returns. You got 1033 01:21:24.880 --> 01:21:29.399 to keep that. Unless it's a qualified account. In an annuity, you 1034 01:21:29.479 --> 01:21:32.199 don't pay taxes on the returns until you draw out. Is that right? 1035 01:21:32.239 --> 01:21:36.439 Do you pay on the income? Yeah? Okay, okay, that's the 1036 01:21:36.479 --> 01:21:39.960 same as this. Well, no, on the stock market, you'd pay 1037 01:21:40.039 --> 01:21:45.680 yearly if it was not qualified. Correct, So you theoretically wouldn't have the 1038 01:21:45.720 --> 01:21:51.279 whole amount to reinvest. So it really gets complicated when you're comparing and Jordan, 1039 01:21:51.359 --> 01:21:55.920 that's really you know, what your dad does. He compares it to 1040 01:21:55.960 --> 01:21:59.760 the stock market. And a lot of people are texting me saying, I 1041 01:21:59.840 --> 01:22:04.159 like my stock market. What about if I did both? And I think 1042 01:22:04.199 --> 01:22:09.560 people are getting the wrong the wrong impression that we're saying you should have zero 1043 01:22:09.640 --> 01:22:12.880 money in the stock market and we're at all in an annuity. I don't 1044 01:22:12.920 --> 01:22:15.960 think that's true. No, And I think that's exactly what we try to 1045 01:22:16.000 --> 01:22:18.520 preach as well as we think. You know, it's the old thing, 1046 01:22:18.520 --> 01:22:21.439 don't keep all your eggs in one basket, right, you know. And 1047 01:22:21.479 --> 01:22:26.119 I'm always straightforward about this with everybody. We're very transparent. I would say, 1048 01:22:26.159 --> 01:22:29.479 you know, that's the reason why you keep stocks is for some higher 1049 01:22:29.520 --> 01:22:32.159 potential, but also for some better liquidity, you know exactly. And so 1050 01:22:32.199 --> 01:22:35.800 what I mean by that was you hit it on it earlier. The annuities 1051 01:22:35.880 --> 01:22:41.399 we focus on. Main idea that most people are looking for is to get 1052 01:22:41.439 --> 01:22:44.840 off that roller coaster. Because you said it, if they got that eleven 1053 01:22:44.840 --> 01:22:46.560 percent every year, that'd be different. But most people are going to see 1054 01:22:46.560 --> 01:22:50.560 some big negatives. And I'll be honest. People get a little stir crazy 1055 01:22:50.560 --> 01:22:55.199 because they see those negatives and they change the funds, they switch out to 1056 01:22:55.279 --> 01:22:57.640 us, and then they might not write it back up. So here's what 1057 01:22:57.680 --> 01:23:01.680 I want you to do. Would you just do do a conservative for someone 1058 01:23:01.720 --> 01:23:06.600 with fifty grand? If they put fifty grand in an annuity with today's bonuses, 1059 01:23:08.600 --> 01:23:11.399 what would they have in ten years? Can you do that for me? 1060 01:23:11.920 --> 01:23:13.960 Yep? And I can actually and the thing is and just so you 1061 01:23:14.000 --> 01:23:16.479 know, it actually uses the last twenty years of the history. Whatever you 1062 01:23:16.640 --> 01:23:20.520 can do, I just want to know what would be ten years at fifty 1063 01:23:20.600 --> 01:23:27.800 grand with today's bonuses. We got more coming up on the Troubleshooter Show. 1064 01:23:31.119 --> 01:23:35.399 Go with a sure Thing Denver's Best roofer Excel Roofing dot com. You don't 1065 01:23:35.399 --> 01:23:43.239 pay a cent until you're content years. Time for an insurance check up free, 1066 01:23:43.319 --> 01:23:46.840 no obligation. In comparison, call Compass insurance paying too much your coverage 1067 01:23:46.840 --> 01:23:50.439 at dozens of insurance companies find out now three O three, seven to seven 1068 01:23:50.479 --> 01:23:55.239 to one help. You'll think you're his only customer when you choose Frank durand 1069 01:23:55.239 --> 01:23:59.640 the real estate Man dot com to list your home with Remax alliance three all 1070 01:23:59.680 --> 01:24:09.239 three to zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three zero 1071 01:24:09.279 --> 01:24:13.920 three seven one three talk three oh three seven one three eight two five five, 1072 01:24:14.039 --> 01:24:18.199 any and all calls about anything. We love giving information that can help 1073 01:24:18.239 --> 01:24:23.960 you make wise decisions on anything. And if someone's screwed with you, let 1074 01:24:24.039 --> 01:24:27.840 us know, please. There's a ton of consumer news that haven't gotten to 1075 01:24:27.880 --> 01:24:34.279 either. But Jordan Caiano, we're talking about investing as well, and there's 1076 01:24:34.319 --> 01:24:41.640 a discussion about the stock market and the average rate of return or the yearly 1077 01:24:41.720 --> 01:24:45.479 rate of returns, and you know, there's no doubt that people in certain 1078 01:24:45.520 --> 01:24:49.319 funds can make money, and that the stock market has been a hedge against 1079 01:24:49.319 --> 01:24:55.039 inflation. The problem with the stock market can be as volatility, and when 1080 01:24:55.079 --> 01:25:00.800 you actively trade, do you actually make what the stock market makes? Not 1081 01:25:00.880 --> 01:25:03.960 all the time. Some people try to outperform it and they end up losing, 1082 01:25:04.920 --> 01:25:10.079 or the stock market itself crashes and it takes years to make it up. 1083 01:25:10.119 --> 01:25:16.279 But now there are alternatives, but I don't think anyone is wise if 1084 01:25:16.279 --> 01:25:21.319 they tell you one investment will fit everything, it won't. There are investments 1085 01:25:21.319 --> 01:25:28.760 for guarantees, there are investments for extreme growth. There are investments for safety. 1086 01:25:29.119 --> 01:25:32.720 For God's sakes, Tea bills themselves are the safest when it comes to 1087 01:25:32.880 --> 01:25:38.439 risk, and T bills you can buy for short term, long term, 1088 01:25:38.920 --> 01:25:45.560 and you can have all kinds of income. But that means drawing it down. 1089 01:25:45.920 --> 01:25:50.079 That's the part that gets tricky. No matter what you build up, 1090 01:25:51.239 --> 01:25:58.520 if you don't continue to build it up, you will exhaust it pulling it 1091 01:25:58.520 --> 01:26:02.239 out depending on what your needs are. So the idea with an annuity is 1092 01:26:02.279 --> 01:26:10.720 to level out the demand to where you can draw it out monthly or yearly 1093 01:26:11.319 --> 01:26:15.880 or weekly for life. And that's the guarantee they give you. And the 1094 01:26:15.960 --> 01:26:19.840 amount you can draw out depends on what your account value is. So it's 1095 01:26:19.880 --> 01:26:25.960 not magic, but it can. It's one of the few tools that can 1096 01:26:26.039 --> 01:26:32.760 actually pay out more than you've made. It can, and anything you leave 1097 01:26:32.800 --> 01:26:39.880 on the table if you die, we'll go to your heirs. Now. 1098 01:26:39.920 --> 01:26:43.960 I hope I'm explaining it properly, Jordan, But I asked a question. 1099 01:26:44.079 --> 01:26:48.199 What if you only had fifty thousand and not a dime more, and you 1100 01:26:48.279 --> 01:26:56.000 put the fifty grand in an annuity for ten years, what would the account 1101 01:26:56.079 --> 01:27:01.000 value be Taking into consideration the sign up and whatever. What would you have 1102 01:27:01.439 --> 01:27:06.720 at the end of ten years? And that's the thing. There's two parts 1103 01:27:06.760 --> 01:27:11.840 to it. But to make it straightforward, at ten years, they're guaranteed 1104 01:27:11.880 --> 01:27:18.439 to have two hundred and seventeen thousand dollars and that is that is unfreaking belief. 1105 01:27:18.600 --> 01:27:24.640 How much did you just say two seventeen two one? Seven's to see? 1106 01:27:24.680 --> 01:27:28.680 And that's way more. Even when I go to chat GPT and I 1107 01:27:28.760 --> 01:27:32.960 put in the best scenario, the best for ten years in the S and 1108 01:27:33.000 --> 01:27:38.159 P, for the best it's ever done, you would have one ninety seven. 1109 01:27:38.560 --> 01:27:43.479 That's assuming you kept it there, reinvested every penny and did not pull 1110 01:27:43.479 --> 01:27:47.399 it out right. But and there's another component though with that annuity that you 1111 01:27:47.520 --> 01:27:55.840 don't have with the S and P, and that is what income income long 1112 01:27:55.920 --> 01:27:59.079 term care protection? What do you know, what would the and again we're 1113 01:27:59.079 --> 01:28:02.800 talking about a very small annuity, what would that income be on that? 1114 01:28:03.720 --> 01:28:06.560 Well for somebody I ran it like fifty five, I wasn't sure what that 1115 01:28:06.600 --> 01:28:11.000 gentleman's age was. But in ten years at sixty five, they basically have 1116 01:28:11.239 --> 01:28:15.920 almost eleven thousand dollars a year, about almost about one thousand a month, 1117 01:28:16.000 --> 01:28:20.079 right, yeah, and how many year life span did you give that guy? 1118 01:28:21.359 --> 01:28:25.479 Oh? Was it goes all the way up to these reports go up 1119 01:28:25.479 --> 01:28:28.640 to one hundred, but they go yeah, exactly. Okay, so up 1120 01:28:28.640 --> 01:28:30.560 to one hundred would be how many years did you figure? Sixty five? 1121 01:28:31.439 --> 01:28:38.039 Yeah, start in thirty five years for thirty five years, and then again 1122 01:28:38.079 --> 01:28:41.159 a two hundred and seventeen thousand. You said it if he took that money 1123 01:28:41.159 --> 01:28:44.720 in well, hold on, if it was in the stock market. If 1124 01:28:44.760 --> 01:28:46.880 it was in the stock market, his income would be it'd be drew it 1125 01:28:46.920 --> 01:28:54.640 out the same span would be five thousand, six hundred. Yeah, unless 1126 01:28:54.640 --> 01:28:57.680 they took more. But you're right, yes, because that's right. For 1127 01:28:58.000 --> 01:29:01.439 it would be five thousand, six hundred for the year. And so you're 1128 01:29:01.479 --> 01:29:06.840 talking about double that and you're talking about again that's not we're not ready. 1129 01:29:06.880 --> 01:29:11.680 You know. We're not saying that that a fifty thousand dollars annuity is ideal. 1130 01:29:11.680 --> 01:29:14.319 We're not saying it's not either. But I mean, if you can 1131 01:29:14.359 --> 01:29:17.159 make if you can grow that to over two hundred thousand dollars just sitting on 1132 01:29:17.199 --> 01:29:20.880 it guaranteed, then there's a lot to be said about that. Again, 1133 01:29:21.000 --> 01:29:26.359 I'm not. I'm not saying it's the only thing in the world. There 1134 01:29:26.399 --> 01:29:29.680 are some people, I mean, you guys happen to specialize in it. 1135 01:29:30.239 --> 01:29:33.199 And I can say that because you have more than fifty seven you can choose 1136 01:29:33.239 --> 01:29:40.319 from what is the best bonus people can make? Right now? No, 1137 01:29:40.600 --> 01:29:44.960 that's I say a loaded question. But right now, I mean there's companies, 1138 01:29:45.159 --> 01:29:48.199 as you know, given about fifteen percent, and they're giving really low 1139 01:29:48.279 --> 01:29:51.880 seeds of a tenth of a percent a year. That's something else to factor 1140 01:29:51.920 --> 01:29:56.479 in. We're talking about a tenth of a percent on the fee, almost 1141 01:29:56.520 --> 01:29:59.840 nothing. And when you're talking about just a regular brokerage account or your four 1142 01:30:00.079 --> 01:30:02.520 care anywhere else, they got a factor in those fees too, which typically 1143 01:30:02.840 --> 01:30:06.520 pro one cater's going to run two to three percent. All right, somebody 1144 01:30:06.640 --> 01:30:11.600 somebody texted me on that, Jordan, and they said this, I'm interested 1145 01:30:11.640 --> 01:30:15.880 in the cost of buying annuities. So that money that you've just quoted is 1146 01:30:15.880 --> 01:30:21.800 that after fees, that is after fee, that's that's that's exactly right after 1147 01:30:21.800 --> 01:30:28.039 fees with their bonus and again long term care death benefit involved and gets okay, 1148 01:30:28.079 --> 01:30:31.439 so what is what is the fee? What percentage per year? They're 1149 01:30:31.520 --> 01:30:34.960 just wondering about it, and that that's what they texted me. And by 1150 01:30:35.000 --> 01:30:38.640 the way, if anyone wants to text as five seven seven three nine, 1151 01:30:38.680 --> 01:30:42.399 go ahead. Yeah. So all the all the ones that we focus on 1152 01:30:42.479 --> 01:30:45.279 are one percent or less. But the one I just mentioned is the tenth 1153 01:30:45.359 --> 01:30:48.560 of a percent? Is that one percent or less a year a year? 1154 01:30:48.600 --> 01:30:50.760 Correct? And they just take that off the account and is that on the 1155 01:30:50.920 --> 01:30:57.399 entire account balance? Correct? The okay? And I should mention this that 1156 01:30:57.600 --> 01:31:00.880 is less than most investment count I mean, if you are doing the stock 1157 01:31:00.920 --> 01:31:05.600 market with an investment advisor, it's going to be about one point five to 1158 01:31:05.680 --> 01:31:10.760 two percent. Yep, you got it. Well, yeah, it's called 1159 01:31:10.840 --> 01:31:15.079 assets under management. Someone else texted me, Tom, what proof is there 1160 01:31:15.159 --> 01:31:20.359 that the annuity company will stay solvent? Great question? You know, these 1161 01:31:20.520 --> 01:31:24.119 these are good questions from I love that you have these textans that coming in. 1162 01:31:24.399 --> 01:31:28.199 They guarantees with these This is how powerful they are. They're ran by 1163 01:31:28.239 --> 01:31:30.720 insurance companies. They're all you know, AID A plus rating. We're talking 1164 01:31:30.720 --> 01:31:35.520 about all about one hundred years old. They've survived for many, many depressions 1165 01:31:35.560 --> 01:31:39.239 and all that. But the biggest guarantee and this is it right here? 1166 01:31:39.920 --> 01:31:45.680 Is it's state fact? Each state has an insurance commissioner that they actually have 1167 01:31:45.279 --> 01:31:49.680 rules and backings behind accounts. God forbid, if a company every went belly 1168 01:31:49.760 --> 01:31:55.600 up, they have rules that they have their own funds to help guarantee, 1169 01:31:56.359 --> 01:31:58.800 you know, to pay out to the people of the state if there was 1170 01:31:58.840 --> 01:32:00.960 an issue. But that's again we're talking about few and far between, and 1171 01:32:01.039 --> 01:32:04.520 states only do that because they know more than likely they would never have to 1172 01:32:04.520 --> 01:32:09.439 pay that. You'd never find that with securities or investments on a four one 1173 01:32:09.520 --> 01:32:14.600 ks that would never be the case. Wow, all right three O three 1174 01:32:14.720 --> 01:32:18.239 seven one three talks seven one three eight two five five. We have more 1175 01:32:18.279 --> 01:32:29.680 coming. Red up. Go with a sure thing Denver's best roofer Excel Roofing 1176 01:32:29.800 --> 01:32:35.279 dot com. You don't pay a cent until you're contents. Time for an 1177 01:32:35.319 --> 01:32:40.960 insurance check up free, no obligation. In comparison, call Compass Insurance paying 1178 01:32:41.000 --> 01:32:45.079 too much your coverage at dozens of insurance companies find out now three all three, 1179 01:32:45.199 --> 01:32:47.359 seven to seven to one help. You'll think you're his only customer. 1180 01:32:47.399 --> 01:32:51.000 When you choose Frank durand the real estate Man dot com to list your home 1181 01:32:51.199 --> 01:33:00.239 with Remax Alliance three oh three nine two zero sixteen twenty two. Time you 1182 01:33:00.239 --> 01:33:05.039 know your troubleshooter at three oh three seven one three talk seven one three eight 1183 01:33:05.079 --> 01:33:10.920 two five five. We have open lines you can get right through. So 1184 01:33:11.479 --> 01:33:20.600 let's talk about some consumer news. We talked about shopping online yesterday, and 1185 01:33:20.680 --> 01:33:28.159 I realized that about ninety eight percent of everything I buy is online. I'll 1186 01:33:28.159 --> 01:33:30.079 go on for various things. I mean, I'll just you know, whatever 1187 01:33:30.119 --> 01:33:35.279 it is, whether it's my home, studio or office, or my car, 1188 01:33:35.399 --> 01:33:40.039 and you know, floor mats, something for the house, clothing, 1189 01:33:41.079 --> 01:33:44.560 I go online and I can get it the next day. Most everything I 1190 01:33:44.680 --> 01:33:48.159 get the next day, even when it comes to groceries and things I usually 1191 01:33:48.399 --> 01:33:53.199 order and they're delivered for just a few bucks. I'm saving money all day 1192 01:33:53.239 --> 01:33:58.840 long. And so many people have started doing this now. The pandemic brought 1193 01:33:58.840 --> 01:34:03.680 that out a lot where people were going online, and it hasn't changed much 1194 01:34:03.840 --> 01:34:11.119 back to normal. In fact, around the country, retail stores are closing 1195 01:34:12.239 --> 01:34:16.319 brick and mortar stores, and I don't know, I mean, I guess 1196 01:34:16.359 --> 01:34:19.840 it would be a sad day you didn't have stores to go to. A 1197 01:34:19.840 --> 01:34:26.359 lot of people liked shopping, but a lot of malls are closing. Retail 1198 01:34:26.439 --> 01:34:31.479 stores are closing. In fact, listen to this in various parts of the 1199 01:34:31.520 --> 01:34:41.039 country. In California, for example, up to twenty percent in different areas. 1200 01:34:42.239 --> 01:34:44.960 San Francisco, a lot of asked to do was crime. Twenty percent 1201 01:34:45.000 --> 01:34:50.479 of the stores closed in San Jose, twenty three percent, in Denver fifteen 1202 01:34:50.680 --> 01:34:58.520 percent. We're down fifteen percent on stores, and more are scheduled to close 1203 01:34:58.560 --> 01:35:05.319 this year. The largest, the most stores are closing in California, and 1204 01:35:05.359 --> 01:35:11.359 that's maybe because it's such a big state, but we're in almost every state 1205 01:35:11.439 --> 01:35:17.920 we're losing stores except for the Midwest and then down in Alabama, Louisiana, 1206 01:35:18.000 --> 01:35:23.520 Mississippi, those are not There's nothing much closing, but remember there weren't many 1207 01:35:23.560 --> 01:35:29.960 stores there to begin with. Florida's got a huge number of stores closing, 1208 01:35:30.159 --> 01:35:35.039 especially in the Orlando area. And speaking of bricks and brick and mortar stores, 1209 01:35:38.239 --> 01:35:43.520 technology is suffering the most. Most people are getting their technology online. 1210 01:35:43.760 --> 01:35:48.000 Clothing stores are really suffering, and a really troubling trend is that a lot 1211 01:35:48.039 --> 01:35:56.319 of people are using brick and mortar stores. They're doing it to try out 1212 01:35:56.359 --> 01:36:01.800 stuff, and then they go home and order it So as far as metropolitan 1213 01:36:01.840 --> 01:36:06.840 areas, if you had to pick the biggest decline, San Jose, California, 1214 01:36:08.680 --> 01:36:13.560 Seattle's next, San Francisco's next, Salt Lake City, and then in 1215 01:36:13.600 --> 01:36:19.079 Texas you have Austin, Washington, d C, Tucson, Arizona, Phoenix. 1216 01:36:19.560 --> 01:36:26.560 Denver is not Yeah, Denver is in the top twenty down at sixteen. 1217 01:36:26.680 --> 01:36:30.800 That's Denver, or that's a whole metro area. So it's really spells 1218 01:36:30.960 --> 01:36:41.199 bad news. When you combine that with office spaces going down, people are 1219 01:36:41.239 --> 01:36:45.239 getting less square footage, requiring to people, requiring people that they come in 1220 01:36:45.359 --> 01:36:54.479 less and do more virtual working. When you consider all of this, commercial 1221 01:36:54.560 --> 01:37:01.079 real estate is hurting, the future of comercial real estate is hurting. If 1222 01:37:01.079 --> 01:37:06.640 you're involved in a rate a real estate investment trust, you have problems. 1223 01:37:08.479 --> 01:37:12.920 Many of them won't even let you out. Some of these real estate investment 1224 01:37:12.960 --> 01:37:15.399 trusts. You may not know this, but it's an investment that used to 1225 01:37:15.800 --> 01:37:20.640 return loads of money. Here's what it's doing now that you know. You 1226 01:37:20.720 --> 01:37:28.039 buy shares, you get in and they show the value up here, but 1227 01:37:28.159 --> 01:37:31.039 you can't get that money out if you own three percent of it, five 1228 01:37:31.079 --> 01:37:34.960 percent, ten percent, one percent whatever you own of that rate in shares. 1229 01:37:36.000 --> 01:37:40.760 You have to have a market for those shares. So even though they 1230 01:37:40.800 --> 01:37:44.119 said you bought it at five hundred thousand, the building's now worth one point 1231 01:37:44.199 --> 01:37:46.439 five. Or a cluster of buildings you bought it in at you know, 1232 01:37:46.720 --> 01:37:50.199 five hundred. I mean if they were worth ten million now they're worth eighty 1233 01:37:50.239 --> 01:37:55.199 million. It's not worth eighty million to you. Your share is worth nothing 1234 01:37:55.279 --> 01:38:00.520 unless you can sell that share. So reats are taking a giant and giant 1235 01:38:01.199 --> 01:38:08.600 hit. So please be aware of that. That real estate investment trust, 1236 01:38:08.640 --> 01:38:12.279 what that is is a pooled investment. That's really what it is. It's 1237 01:38:12.479 --> 01:38:17.159 bad news, Jordan. Have you had people getting out of real estate investment 1238 01:38:17.159 --> 01:38:20.880 trust and trying to reinvest, maybe with an annuity. Have you talked to 1239 01:38:20.920 --> 01:38:26.960 anyone in rates that even can't get their money? Oh? Both stories, 1240 01:38:27.000 --> 01:38:30.079 and unfortunately you're right on point. There's a lot of them that I've heard 1241 01:38:30.119 --> 01:38:32.600 of gone out of business and people are left with the piece of paper they 1242 01:38:32.640 --> 01:38:36.640 have to go to the lawsuits sometimes try to get into the mass lossits with 1243 01:38:36.720 --> 01:38:40.560 their money or you said it right there. When they want to get out, 1244 01:38:40.920 --> 01:38:43.399 a lot of them have time periods that they can't get out on. 1245 01:38:43.479 --> 01:38:46.439 First off, they've like a locked in period or they have to wait and 1246 01:38:46.479 --> 01:38:48.960 then you said it best there. They also have to have a market for 1247 01:38:49.039 --> 01:38:53.960 it. So yes, great times for them. There are benefits to them. 1248 01:38:54.000 --> 01:38:57.720 It's another investment. But again, you know, it's just timing of 1249 01:38:57.760 --> 01:39:00.720 the market, right or timing of the real estate area. We got to 1250 01:39:00.720 --> 01:39:03.560 be in the goodest place for that, and you're at a good point that 1251 01:39:03.600 --> 01:39:09.279 it's try to get a little shaky right now. In fact, global lenders 1252 01:39:09.439 --> 01:39:17.680 and US lenders are saying they're trying to get out of real estate commercial real 1253 01:39:17.760 --> 01:39:24.199 estate. Not only did you have the slap in the face of COVID, 1254 01:39:25.159 --> 01:39:32.199 but then you have retail space and office space both hurting. You also have 1255 01:39:32.479 --> 01:39:39.560 interest rate spikes, so all of this is a disaster. I would hate 1256 01:39:39.920 --> 01:39:43.239 to have commercial real estate right now. Oh my god. I mean it's 1257 01:39:43.279 --> 01:39:45.800 going to be a disaster. This is going to be one of the next 1258 01:39:45.840 --> 01:39:50.680 big problems when it comes to people losing money. We have more coming up. 1259 01:39:58.119 --> 01:40:01.199 Go with a sure thing Denver's best Rufer excel roofing dot com. You 1260 01:40:01.199 --> 01:40:09.239 don't pay a cent until you're content. Time for an insurance check up free, 1261 01:40:09.319 --> 01:40:13.840 no obligation. In comparison, call Compass Insurance paying too much your coverage 1262 01:40:13.840 --> 01:40:16.520 at dozens of insurance companies find out now three O three seven to seven to 1263 01:40:16.560 --> 01:40:20.279 one help. You'll think you're his only customer when you choose Frank durand the 1264 01:40:20.359 --> 01:40:26.159 real estate man dot Com to list your home with Remax Alliance three three nine 1265 01:40:26.159 --> 01:40:31.640 two zero sixteen twenty two. Hi Tom Martino here. Not only by the 1266 01:40:31.680 --> 01:40:39.840 way, are read's bad ideas? We are going to talk about tenant landlord 1267 01:40:39.960 --> 01:40:45.560 stuff. If, if, if it's ever been the worst time to be 1268 01:40:45.600 --> 01:40:50.840 a landlord, it's going to be coming up due to new laws and legislation 1269 01:40:51.520 --> 01:40:59.640 pass last year taking effect this year, and also things before our legislature right 1270 01:40:59.680 --> 01:41:04.479 now. Now you've heard me say lopsided government is never good. And that 1271 01:41:04.520 --> 01:41:09.319 goes for which I don't care what it is. Lopsided in any direction is 1272 01:41:09.359 --> 01:41:12.960 not good. You need checks and balances. I don't care who you are. 1273 01:41:13.079 --> 01:41:17.520 You need checks and balances. And the Democrats have made a complete mess, 1274 01:41:18.000 --> 01:41:24.800 a complete mess of Colorado, complete end of the city of Denver, 1275 01:41:25.239 --> 01:41:30.239 and it continues now. If it was all Republican, they'd make a mess 1276 01:41:30.239 --> 01:41:33.279 in some other way, I'm sure, but right now the Democrats have to 1277 01:41:33.319 --> 01:41:40.039 take credit because they're in control, and it is a complete mess. Our 1278 01:41:40.159 --> 01:41:45.279 city is losing downtown tenants like crazy. So we talked about real estate investment 1279 01:41:45.279 --> 01:41:50.239 trust. Commercial real estate is in the toilet. Okay, now here's the 1280 01:41:50.239 --> 01:41:57.680 most stupid thing I've heard. Because reads are so low in value, you 1281 01:41:57.720 --> 01:42:00.640 should buy them right now. Well that, oh, that, that's that's 1282 01:42:00.680 --> 01:42:05.319 a good that's good advice for some investments, you buy when the price is 1283 01:42:05.359 --> 01:42:11.840 low. But the problem with commercial real estate is that I don't see a 1284 01:42:11.880 --> 01:42:15.119 growing market for it in the future. Go with a sure thing Denver's Best 1285 01:42:15.199 --> 01:42:19.239 roofer Excel Roofing dot com. You don't pay a cent until you're content. 1286 01:42:23.600 --> 01:42:27.720 Time for an insurance checkup free, no obligation. In comparison, call Compass 1287 01:42:27.760 --> 01:42:31.479 Insurance paying too much your coverage at dozens of insurance companies find out now three 1288 01:42:31.479 --> 01:42:35.119 all three seven to seven to one help. You'll think you're his only customer 1289 01:42:35.159 --> 01:42:39.800 when you choose Frank durand the real estate Man dot com to list your home 1290 01:42:40.000 --> 01:42:49.000 with Remax Alliance three all three nine two zero sixteen twenty two. Ripped of 1291 01:42:50.800 --> 01:43:00.239 news you need advice, you don't have runiousness as you can. The Shooter's 1292 01:43:00.359 --> 01:43:08.399 gonna help coming man. This is the Troubleshooter Show. No Tom Martino, 1293 01:43:10.039 --> 01:43:14.079 Hi, Tom Martino here, Welcome to the show. Three oh three seven 1294 01:43:14.680 --> 01:43:18.279 one three talk three oh three seven one three eight two five five. We've 1295 01:43:18.319 --> 01:43:24.279 been talking about investments and annuities today and as well as other things, and 1296 01:43:24.760 --> 01:43:28.840 we're talking about commercial real estate and what a hit it took because of COVID. 1297 01:43:28.880 --> 01:43:33.720 At first. The other thing is the uh, it's it's just bad 1298 01:43:33.800 --> 01:43:41.520 time because not only did COVID show people they can work remotely and it really 1299 01:43:42.600 --> 01:43:49.399 diminished the importance of commercial office space. You also now have retailers closing all 1300 01:43:49.439 --> 01:43:58.399 over the country or consolidating and taking less square footage because of online shopping. 1301 01:44:00.000 --> 01:44:03.640 No one ever thought online shopping could take the place of brick and mortar, 1302 01:44:04.760 --> 01:44:12.159 but it does. Now. Almost anything can be gotten the next day or 1303 01:44:12.239 --> 01:44:15.039 at the most a few days. I mean, I don't even know anything 1304 01:44:15.039 --> 01:44:19.119 that takes more than a few days. I mean, I guess some giant 1305 01:44:19.159 --> 01:44:28.720 piece of something. And the other thing is it not only is easily accessible, 1306 01:44:28.760 --> 01:44:32.039 but you have no hassles. You don't have any availability problems. I 1307 01:44:32.079 --> 01:44:35.960 think that the dumbest thing I have ever heard. When I went to a 1308 01:44:36.039 --> 01:44:41.960 store, we can order it for you. And I'm thinking, now, 1309 01:44:42.039 --> 01:44:45.520 a hello, moron, Why would I order it from you when I can 1310 01:44:45.560 --> 01:44:48.439 go home and get it tomorrow. I mean, this is what's going on, 1311 01:44:48.600 --> 01:44:54.159 and I kind of feel for people, and I want to know if 1312 01:44:54.199 --> 01:44:58.640 you're listening or my YouTube morons, my Facebook flunkies, I'd like to know 1313 01:45:00.239 --> 01:45:03.520 where you shop? Do you still shop deputies? Deputy Dollar, do you 1314 01:45:03.560 --> 01:45:06.920 still you know? Do you still go to stores a lot? Do you 1315 01:45:06.960 --> 01:45:11.399 shop online? What do you do most of your shopping? I shop online 1316 01:45:11.439 --> 01:45:14.239 quite a bit, but I mostly or not. You don't have to go 1317 01:45:14.279 --> 01:45:16.399 along to them. I'm just curious. What do you do? Mostly mostly 1318 01:45:16.439 --> 01:45:20.600 online? But if it's clothing, I like to go in person. You 1319 01:45:20.600 --> 01:45:29.039 know, I get that too, And unfortunately for stores, I've sometimes gone 1320 01:45:29.600 --> 01:45:34.800 to try something on, and when I know exactly what it is, sometimes 1321 01:45:34.800 --> 01:45:38.760 I order it online. I might buy one at the store and then buy 1322 01:45:38.800 --> 01:45:44.039 others different colors online. Deputy Chopper, where do you shop? If you 1323 01:45:44.079 --> 01:45:45.159 shop at all? I mean you're kind of a hermit. What do you 1324 01:45:45.199 --> 01:45:49.399 do chopper actually had to leave early, so it's just dollar right now, 1325 01:45:50.000 --> 01:45:56.119 Where do you shop, Kelly Kachina for what type of thing? Okay, 1326 01:45:56.159 --> 01:45:59.279 go down the line, like do you do always go to the supermarket for 1327 01:45:59.359 --> 01:46:03.600 groceries? You don't do any delivery, very rare. You want to touch 1328 01:46:03.600 --> 01:46:06.119 it and feel it and look at it, right, yes, okay? 1329 01:46:06.119 --> 01:46:13.119 What about clothing? Mostly online? Okay? What about household goods? Just 1330 01:46:13.119 --> 01:46:16.760 different things like electronics? Right, I mean, we pretty much do online 1331 01:46:16.840 --> 01:46:20.600 for all of that stuff because it's just so much easier. But I know 1332 01:46:20.680 --> 01:46:25.800 it is, I know it is. For food. It's just you know, 1333 01:46:25.920 --> 01:46:29.960 for me, I like to actually, you know, inspect the produce 1334 01:46:30.079 --> 01:46:33.119 that I buy and I like to, you know, kind of have that 1335 01:46:33.319 --> 01:46:42.119 part of it. So Jordan, what what where do you shop? You're 1336 01:46:42.600 --> 01:46:47.119 with that. I'm honestly do all my stuff on Amazon, all online. 1337 01:46:47.319 --> 01:46:50.159 I mean, you know, if somebody would have asked me that years ago, 1338 01:46:50.159 --> 01:46:54.159 I would have said never. I mean, that'll never take the place 1339 01:46:54.159 --> 01:46:57.039 of a store. I hate store. I hate going in. I hate 1340 01:46:57.079 --> 01:46:59.800 talking to the people I hate. I mean I not I don't hate them, 1341 01:46:59.800 --> 01:47:01.880 I mean the people I don't hate. But there's the whole experience. 1342 01:47:01.920 --> 01:47:06.399 I mean, and you know, it's just amazing to me, like you 1343 01:47:06.479 --> 01:47:12.439 have morons now at stores that that they're just so unmotivated to help you. 1344 01:47:13.359 --> 01:47:15.760 Then it's like I've had people tell me, oh, no, we don't 1345 01:47:15.800 --> 01:47:18.720 carry that because they don't want to try to find it. And have you 1346 01:47:18.880 --> 01:47:23.800 have you ever tried the apps in a store where it gives you the aisle 1347 01:47:23.960 --> 01:47:27.319 and the bin. I like those. You don't have to talk to anybody, 1348 01:47:27.359 --> 01:47:30.960 So you go to the aisle and the bin number. Home Depot has 1349 01:47:30.000 --> 01:47:34.920 one, Best Buy has one. They all have these apps that that lay 1350 01:47:34.920 --> 01:47:42.359 out the store. Now, one thing I don't shop online for I never 1351 01:47:42.439 --> 01:47:46.279 tried. I don't think I can is like a custom made computer. Like 1352 01:47:46.319 --> 01:47:50.119 if you're if you're specking well, when I specked out the Apple, I 1353 01:47:50.159 --> 01:47:54.199 went on Apple and did it. But when I and I talked to a 1354 01:47:54.279 --> 01:47:58.520 guy there on the on the phone to spec out this laptop because it you 1355 01:47:58.560 --> 01:48:00.520 know, it was one of those M two chips and all that. To 1356 01:48:00.600 --> 01:48:06.159 spec out my son's PC that he uses for gaming and other stuff, we 1357 01:48:06.199 --> 01:48:12.039 went to uh, we went to microcenter because those then you ask those guys 1358 01:48:12.119 --> 01:48:14.760 what you about this what about that? Is this much better? Is that 1359 01:48:14.840 --> 01:48:17.000 much better? And and they speck it out there and build it, so 1360 01:48:17.079 --> 01:48:19.439 we wouldn't do that online. In fact, I don't know if you can 1361 01:48:19.680 --> 01:48:24.079 really. Dell used to do that online. Do they still have a site 1362 01:48:24.079 --> 01:48:28.319 where you can go and and cherry pick your computer and then have it shipp 1363 01:48:28.319 --> 01:48:30.640 to you. I don't even know. So that's one thing I think, 1364 01:48:30.800 --> 01:48:35.399 Uh, Microcenter still gets my business there. So anyway, three zero three, 1365 01:48:35.600 --> 01:48:39.039 seven to one to three talk. Ryan has a problem with a used 1366 01:48:39.119 --> 01:48:42.960 cargo ahead, Bryan, what's happening? Yeah, hey, Tom Man, 1367 01:48:43.000 --> 01:48:47.439 appreciate the call. Yes, Well, I'm on a car last summer about 1368 01:48:47.520 --> 01:48:53.159 June timeframe. What is it trouble? It's a twenty eleven Chevy and Hala 1369 01:48:53.960 --> 01:48:57.760 okay, b real find machine. Not in a hurry. I mean, 1370 01:48:57.800 --> 01:49:00.560 I'm a car guy, but I didn't look at it real close. So 1371 01:49:00.399 --> 01:49:04.720 by the car start having some issues with it, like okay, you know, 1372 01:49:04.840 --> 01:49:08.199 be a man, you know, I screwed up. I bought it, 1373 01:49:08.479 --> 01:49:10.800 you know, without looking at it and going what issues did you? 1374 01:49:10.880 --> 01:49:16.079 What issues did you have? Immediately I had transmission issues and suspension. I 1375 01:49:16.119 --> 01:49:18.720 took it the whole Horrison. I bought it was to take a long trip. 1376 01:49:19.319 --> 01:49:23.479 I drove about ten hours in it, and I mean it was white 1377 01:49:23.560 --> 01:49:27.760 knuckling, like a parade for my life in Kansas City. So the transmission 1378 01:49:27.920 --> 01:49:34.239 and the suspension correct, what else? So those were bad? Oil League? 1379 01:49:34.760 --> 01:49:40.000 How many? How many miles on it? That's really where the the 1380 01:49:40.680 --> 01:49:43.840 reason for my call. So there was one hundred and eight when I bought 1381 01:49:43.840 --> 01:49:46.520 it, or just over one hundred. I finally had enough of this car 1382 01:49:46.560 --> 01:49:50.680 and I just went to trade it in last week and a different dealer I 1383 01:49:50.720 --> 01:49:56.800 traded into. He said, man, they rolled back that odometer one hundred 1384 01:49:56.800 --> 01:49:59.920 thousand miles on you. So he went, he did the vincheck and he 1385 01:50:00.079 --> 01:50:03.000 showed me where the vehicle had two hundred and six or something. Was okay, 1386 01:50:03.000 --> 01:50:06.119 hold on, hold on, man, that is that's a So who 1387 01:50:06.159 --> 01:50:10.560 did this? Did you buy it from an individual? I bought it from 1388 01:50:10.560 --> 01:50:14.279 a small dealer out of Lehanto, Colorado. Have no issue putting him on 1389 01:50:14.319 --> 01:50:18.479 blast. Who is the who is the dealer? The dealer is gear ahead 1390 01:50:18.479 --> 01:50:24.840 again? Okay, hold one, gearhead. Are they still in business? 1391 01:50:25.720 --> 01:50:29.439 Yeah, as far as I know, Well, I mean that, I 1392 01:50:29.479 --> 01:50:34.960 mean they have to they have to how long ago'd you buy it? It 1393 01:50:35.079 --> 01:50:41.079 was back in June, so less than a year. And I called him 1394 01:50:41.079 --> 01:50:44.560 and I tried to give him a chance to get me right on the mechanical. 1395 01:50:44.600 --> 01:50:46.600 But I didn't know the paperwork issue until I went and traded it in. 1396 01:50:47.760 --> 01:50:50.359 You know, just Resa, I didn't. Okay, listen, did 1397 01:50:50.439 --> 01:50:56.479 you already trade it? Yeah? It's well then there's nothing we bro there's 1398 01:50:56.479 --> 01:51:00.399 nothing we can do about it now, right. Well, I had to 1399 01:51:00.399 --> 01:51:02.560 come out of pocket to this guy. Help. I understand that. But 1400 01:51:02.560 --> 01:51:05.399 but we we can't go to him now and say, you know, I 1401 01:51:05.439 --> 01:51:09.760 mean, he's gonna you're gonna have to prove your case. It's not going 1402 01:51:09.840 --> 01:51:14.680 to be you should have done it before you traded it. I'll bet you 1403 01:51:14.720 --> 01:51:18.560 we could have gotten you every penny bag. Well, he just called me 1404 01:51:18.600 --> 01:51:23.000 today to say where do I send the payoff? Because I did finance the 1405 01:51:23.039 --> 01:51:27.920 car, so he hasn't sent the check yet. Wait a minute, you 1406 01:51:28.319 --> 01:51:30.039 traded into he's got to pay it off right to get the No, No, 1407 01:51:30.279 --> 01:51:34.720 I get it, but hold on how much the twenty eleven Chevy and 1408 01:51:34.760 --> 01:51:42.239 Palla actually had two hundred thousand miles on it? Correct? And it's an 1409 01:51:42.319 --> 01:51:45.920 LTZ package for what it's worth. Okay, So did you tell the guy 1410 01:51:46.000 --> 01:51:51.520 why you were calling? Uh? What do you mean when I called? 1411 01:51:51.560 --> 01:51:58.199 Who the dealer that sold it to you? Gear head? Do they know 1412 01:51:58.359 --> 01:52:01.800 what? Did they know that you know that the odometer was rolled back? 1413 01:52:02.640 --> 01:52:09.159 No? Do you want to? I was getting ready to sign the paperwork? 1414 01:52:09.239 --> 01:52:12.880 Sure, well, hold on, do you still have the car or 1415 01:52:13.079 --> 01:52:16.079 is it? Is the other deal done? If that the other dealer, 1416 01:52:16.800 --> 01:52:20.640 that paperwork signed, But he has not sent the payoff for that other car 1417 01:52:20.760 --> 01:52:24.760 yet. He hasn't you know how? He's got to cash the check or 1418 01:52:25.159 --> 01:52:28.079 send the check to the bank for the title. He has not done that 1419 01:52:28.199 --> 01:52:31.640 yet as of today. Does he know that you're trying to fight this guy? 1420 01:52:31.880 --> 01:52:34.920 Is he waiting for that? No? Man, I was listening. 1421 01:52:34.920 --> 01:52:38.159 I listened to your show. I heard the number. So you know what 1422 01:52:38.199 --> 01:52:42.640 I'm gonna call? You know what? Listener? Okay? We should does? 1423 01:52:43.680 --> 01:52:46.520 I don't know what this guy'll do if he voluntarily? How much How 1424 01:52:46.600 --> 01:52:53.880 much do you owe on that in Pala? How much did you How much 1425 01:52:53.920 --> 01:52:56.319 did you pay for it? I mean, have you paid it down a 1426 01:52:56.359 --> 01:52:59.079 lot? What did you pay for it? No? Not really at all. 1427 01:52:59.119 --> 01:53:01.439 It was a small loan, so I put it. I think I 1428 01:53:01.520 --> 01:53:08.600 financed eighty three hundred. Okay, so if you don't have to pay that 1429 01:53:08.760 --> 01:53:12.399 off and he has to pay it off, that would be great. But 1430 01:53:12.680 --> 01:53:15.399 how did you how did you reconcile that with the when you brought it in 1431 01:53:15.479 --> 01:53:18.039 an ode eight grand? What did this guy give you for that car? 1432 01:53:19.640 --> 01:53:23.479 To be honest, I don't know the exact numbers because we had to fight 1433 01:53:23.560 --> 01:53:27.439 back with the bank just to get like enough money for the new car, 1434 01:53:27.560 --> 01:53:30.039 because now I'm going to have to carry over some negative. He's like, 1435 01:53:30.119 --> 01:53:31.840 I will do what I can. How much can you come out? And 1436 01:53:31.880 --> 01:53:34.279 I told him he said, now, I'll make it work up. Give 1437 01:53:34.319 --> 01:53:36.640 me like five grand for it, I think, which is outrageous. It's 1438 01:53:36.640 --> 01:53:40.920 probably worth one hundred dollars. No, he probably did it on paper. 1439 01:53:40.960 --> 01:53:44.439 He didn't give you five here's the deal man. If you if you like 1440 01:53:44.520 --> 01:53:48.039 the guy you bought, so you got another car now right? Yeah, 1441 01:53:48.119 --> 01:53:51.159 So you want to sue this guy a gearhead for damages? You know I 1442 01:53:51.199 --> 01:53:55.680 would do that. I would actually do that in small claims court, and 1443 01:53:55.720 --> 01:53:59.880 I would call the dealer licensing board as well. But I would first see 1444 01:54:00.119 --> 01:54:03.279 you can get it from him in a kind way, or we can call 1445 01:54:03.359 --> 01:54:08.239 him and say, look, you know we had what proof? Would we 1446 01:54:08.279 --> 01:54:14.920 tell him we had carfact? Okay, do you want us to call him 1447 01:54:14.960 --> 01:54:19.399 right now? Sure? Okay, dollar let's call him right now. Let's 1448 01:54:19.600 --> 01:54:24.039 let's or or doc or whoever I think dollars sitting right there. Let's call 1449 01:54:24.159 --> 01:54:29.319 down there to Gearhead. And this is in did you say la hunta correct? 1450 01:54:29.359 --> 01:54:33.159 And his name is Gordon somewhere or the French Gordon French, the hunta 1451 01:54:34.039 --> 01:54:43.199 Gordon fringe. Man, that's crazy stuff. Early on I gave him a 1452 01:54:43.319 --> 01:54:45.199 chance to make it right on the mechanical issues, and he blew me off. 1453 01:54:45.239 --> 01:54:49.119 He said, well, you know Colorado long you know I had breaks 1454 01:54:49.119 --> 01:54:53.840 in two pieces. You own both of them. No, no, no, 1455 01:54:54.359 --> 01:55:00.279 no, I get what he's talking about, as far as that as 1456 01:55:00.399 --> 01:55:03.239 is means as is, But it doesn't mean cheating. I mean, you 1457 01:55:03.239 --> 01:55:08.079 don't get to cheat just because it's as is. You know what I'm saying, 1458 01:55:08.520 --> 01:55:12.199 He lied to you. Now, But what if he says he didn't 1459 01:55:12.239 --> 01:55:15.000 know about it? That? When was it turned back? Do you know 1460 01:55:16.199 --> 01:55:23.119 it was between there? He bought it at auction. All I could tell 1461 01:55:23.199 --> 01:55:25.399 by what's on the car facts and forgive me, I don't have it in 1462 01:55:25.439 --> 01:55:29.439 front of me right around what he purchased it is when it rolled back, 1463 01:55:29.439 --> 01:55:31.560 whether that was before he bought it from auction or right after he bought it 1464 01:55:31.560 --> 01:55:36.439 from auction then, but he could have done some checking on that. I 1465 01:55:36.479 --> 01:55:41.159 think you would win, man, I think you would win in small claims 1466 01:55:41.159 --> 01:55:44.600 court if you suit him for seventy five hundred bucks saying I went out of 1467 01:55:44.600 --> 01:55:48.159 pocket. I want my seventy five hundred. I would really really press this 1468 01:55:48.239 --> 01:55:57.000 guy and first deputy deputy Dollar. Let's call his clown this, this guy 1469 01:55:57.079 --> 01:56:04.119 in Lahunta, this Gordon French gear head. This is crazy. And you 1470 01:56:04.640 --> 01:56:09.239 can see clearly where it was two hundred and the next sale it was one 1471 01:56:09.359 --> 01:56:17.319 hundred. Yeah, okay, hey, hey, why don't you call him 1472 01:56:17.319 --> 01:56:21.319 and see what he says. I tell him we cannot only get his license, 1473 01:56:21.359 --> 01:56:26.840 but this guy could be liable for other things too. And all this 1474 01:56:26.920 --> 01:56:30.159 guy wants Ryan is to get it paid off by him. That's it, 1475 01:56:30.720 --> 01:56:33.399 get it paid off. Now, what if the guy says he wants to 1476 01:56:33.439 --> 01:56:39.840 buy it back, he could have it. Well, you have to make 1477 01:56:39.880 --> 01:56:42.880 a deal with the guy you just bought the other car from. You got 1478 01:56:42.920 --> 01:56:45.319 to get that car and you have to get it back to him, get 1479 01:56:45.319 --> 01:56:48.279 the money back, and then pay it down. But we'll work it out 1480 01:56:48.319 --> 01:56:51.720 one way or another. You got screwed, sir. Hang on, Hold 1481 01:56:51.720 --> 01:56:55.479 on now, Yeah, you got screwed. We're gonna come right back to 1482 01:56:55.560 --> 01:57:00.000 Dorian, who has an HUA issue, and Mike's got a comment on ts 1483 01:57:00.119 --> 01:57:09.880 A at d N coming up. Go with a sure thing Denver's Best roofer 1484 01:57:10.000 --> 01:57:16.159 Excel Roofing dot com. You don't pay a cent until you're content. Time 1485 01:57:16.199 --> 01:57:21.479 for an insurance check up free no obligation comparison call Compass Insurance paying too much 1486 01:57:21.600 --> 01:57:26.880 your coverage at dozens of insurance companies find out now three oh three seven seven 1487 01:57:26.880 --> 01:57:30.680 to one help. You'll think you're his only customer when you choose Frank durand 1488 01:57:30.640 --> 01:57:34.119 the real estate Man dot com to list your home with Remax Alliance three oh 1489 01:57:34.119 --> 01:57:45.560 three nine two zero sixteen twenty two. Him Martino your troubleshooter three O three 1490 01:57:45.640 --> 01:57:49.800 seven one three talk three oh three seven one three eight two five five So 1491 01:57:51.399 --> 01:57:57.199 Ryan we have did we have Deputy Dollar working on that? Okay? Hang 1492 01:57:57.239 --> 01:58:02.760 on Mike. What is your comment on TSA at d en? Hey, 1493 01:58:04.039 --> 01:58:08.800 Tom, Thank So. I traveled last week to Phoenix and I went to 1494 01:58:08.880 --> 01:58:13.760 the I and I'm traveling again tomorrow and the security lines have gotten absolutely out 1495 01:58:13.800 --> 01:58:16.359 of control, and I'm sure other people are aware of that. And TSA 1496 01:58:16.520 --> 01:58:23.760 claims there's a labor shortage and they just don't have enough personnel. And the 1497 01:58:24.119 --> 01:58:30.319 part that bothers me is that are our airlines check our check our driver's licenses 1498 01:58:30.399 --> 01:58:33.640 or boarding passes when we get a when we get a when we get our 1499 01:58:33.680 --> 01:58:38.800 barding pass, so they checked our identification and then they do the same thing 1500 01:58:39.279 --> 01:58:43.840 before you board the plane to make sure that you're you're traveling with a with 1501 01:58:44.000 --> 01:58:47.920 a with a boarding with a Wait a minute, wait a minute. I've 1502 01:58:48.000 --> 01:58:54.640 never had them check my license beyond the security and then when I go to 1503 01:58:54.720 --> 01:58:58.880 the gate, they just wanted to scan that QR code for your boarding pass. 1504 01:59:00.439 --> 01:59:04.239 But if you travel international, they do check your your make sure you 1505 01:59:04.239 --> 01:59:11.000 have your visa documentation. So okay, what I'm gonna making is TSA has 1506 01:59:11.319 --> 01:59:18.199 has DSA agents checking our boarding pass and our driver's license or our visa and 1507 01:59:18.239 --> 01:59:25.600 they're causing these long lines of danger where any any terrorists can walk in there 1508 01:59:25.640 --> 01:59:30.840 with a bags full of bombs and blow the security line away. Because p 1509 01:59:31.079 --> 01:59:35.039 s A is not protecting us and they're causing this quagmire. I mean, 1510 01:59:35.199 --> 01:59:40.479 if a person doesn't have a boarding pass, are you talking about as security 1511 01:59:40.560 --> 01:59:46.079 or are you talking about where they check your for your visa at security before 1512 01:59:46.159 --> 01:59:50.079 you go through the x ray and before you get your body scan. I'm 1513 01:59:50.159 --> 01:59:55.880 saying that TSA is creating a problem that doesn't need to be remove the agents 1514 01:59:55.920 --> 01:59:59.359 that are checking boarding passes, they don't need to check that. If a 1515 01:59:59.399 --> 02:00:03.000 person cross US is through without a burning pass and goes to the gate area 1516 02:00:03.039 --> 02:00:05.640 and they went through a body scan in there and they've been x rayed, 1517 02:00:06.000 --> 02:00:10.039 they're a secure person, no different than a person with beforne. Oh, 1518 02:00:10.079 --> 02:00:13.199 I see what you're saying. Well, I think they do that for crowd 1519 02:00:13.239 --> 02:00:16.079 control. You're saying. You're saying, why do they checked because they want 1520 02:00:16.119 --> 02:00:20.279 to make sure you have a boarding pass before you enter the secured area. 1521 02:00:20.319 --> 02:00:26.279 You're right, they do check. Yeah, and they don't have enough personnel 1522 02:00:26.640 --> 02:00:30.680 to get the security lines down to a minimal because they are so out of 1523 02:00:30.720 --> 02:00:35.239 control. So I'm just proposing for a safety concern because I don't like being 1524 02:00:35.279 --> 02:00:41.359 stuck in these long, snaking lines with a thousand people vulnerable to an attack 1525 02:00:41.720 --> 02:00:45.000 when they're not checking anybody's luggage until they go through X ray. Is that, 1526 02:00:45.159 --> 02:00:49.000 yeah? But the thing is no one, no one has done it 1527 02:00:49.039 --> 02:00:54.880 though no one has has attacked anyone there. Yeah. Yeah, But I'm 1528 02:00:54.920 --> 02:00:58.680 just saying that TSA is supposed to be there for our protection, and they're 1529 02:00:58.680 --> 02:01:01.359 assuming that we're they're protecting is while we're on a plane, But what about 1530 02:01:01.399 --> 02:01:05.720 protecting us from these massive crowds at the area. Now I know what you're 1531 02:01:05.720 --> 02:01:10.520 saying, Mike, I know exactly what you're saying. Oh, you're saying 1532 02:01:10.600 --> 02:01:15.960 before they get in there, but any crowded place is vulnerable for attack. 1533 02:01:15.319 --> 02:01:19.560 I don't think that's the proper I don't think that's the proper argument. I 1534 02:01:19.600 --> 02:01:27.119 think you had the right argument in that why check a boarding pass? But 1535 02:01:27.199 --> 02:01:30.119 they do have to check ID to get back there. But you're saying it 1536 02:01:30.119 --> 02:01:34.239 doesn't even matter if they check ID. Yeah, because what if you know, 1537 02:01:34.279 --> 02:01:38.079 if they usually able to go to the gate before nine to eleven, 1538 02:01:38.239 --> 02:01:42.239 So now you can't go to the gate for some sort of a security reason. 1539 02:01:42.520 --> 02:01:45.880 I'm just saying that they're shorthanded on personnel and those people that are checking 1540 02:01:45.920 --> 02:01:48.800 those IDs. I know what you're saying, passes could be used to open 1541 02:01:48.840 --> 02:01:53.159 more more No, I know exactly, I know what you're saying. You're 1542 02:01:53.199 --> 02:01:58.119 saying, Look, just let everyone be screened an x ray and then go 1543 02:01:58.199 --> 02:02:00.640 where they want to go, because they're all ready screened and x ray And 1544 02:02:00.720 --> 02:02:04.000 if they don't have ID and they don't have a boarding pass, they don't 1545 02:02:04.000 --> 02:02:11.199 get on a plane right right, and they might just be there to visit, 1546 02:02:11.439 --> 02:02:14.720 you know, to greet someone coming off the plane. That's how it 1547 02:02:14.840 --> 02:02:18.600 used to be. You're absolutely right. Now only ticketed passengers that have been 1548 02:02:18.680 --> 02:02:23.680 id'd can even go through security. You're right. And I think they do 1549 02:02:23.800 --> 02:02:27.640 that for crowd control. I'm telling you that's why they do it. They 1550 02:02:27.720 --> 02:02:31.880 want because they wouldn't have enough TSA agents if everyone could just walk up and 1551 02:02:31.920 --> 02:02:35.840 be x ray and go through security. I think that's the reason. I 1552 02:02:35.880 --> 02:02:41.239 think they wanted to cut down the number of people out at gates and they 1553 02:02:41.359 --> 02:02:44.800 limited it to passengers only. I mean, I might be wrong, but 1554 02:02:44.840 --> 02:02:47.520 I think that's the reason. Dorian, Welcome to the show What's going on? 1555 02:02:47.600 --> 02:02:56.359 Dorian, Ah, I got off a stage shocked. Okay, well 1556 02:02:56.520 --> 02:03:00.640 say start this scenario as just to paint the picture as quickly as I can 1557 02:03:00.760 --> 02:03:04.800 to get is the information you need. I'm a seventy six year old female, 1558 02:03:05.880 --> 02:03:13.640 no family alive. I live by myself. As of June of twenty 1559 02:03:13.720 --> 02:03:20.800 two, I purchased a condo, and as of December of twenty two, 1560 02:03:21.840 --> 02:03:29.079 I have record of the first picture I took of a strange what appeared to 1561 02:03:29.119 --> 02:03:32.920 be a water spot, a tiny little spot on my kitchen ceiling. Well, 1562 02:03:33.199 --> 02:03:39.479 this is now the end of February twenty twenty four. Since then, 1563 02:03:39.760 --> 02:03:44.600 not that spot. I just filled it with toothpaste and put some white acrylic 1564 02:03:44.640 --> 02:03:48.920 pain on it. But I wanted it to be acknowledged by the HOA, 1565 02:03:49.479 --> 02:03:54.800 and hence this HOA has a management company representing me. That's exactly right. 1566 02:03:54.840 --> 02:03:59.640 So what happened since then? Did it get worse? Since then? Literally? 1567 02:03:59.760 --> 02:04:06.640 I have documented photos and correspondence where the water intrusion into my kitchen as 1568 02:04:06.680 --> 02:04:13.600 far as two feet into my ceiling and above my kitchen door my entryway. 1569 02:04:14.079 --> 02:04:20.840 Now is it dripping down onto your floor? In twenty twenty three I literally 1570 02:04:20.880 --> 02:04:29.880 had every bathtow I owned just they were just my entryway rug is soaking wet. 1571 02:04:30.279 --> 02:04:32.159 The paint is Wait a minute, wait a minute, Wait a minute. 1572 02:04:32.279 --> 02:04:39.720 You're telling me that you have water coming in from somewhere up in the 1573 02:04:39.760 --> 02:04:46.399 ceiling coming down and getting into your floors. Well it's well the one night, 1574 02:04:46.479 --> 02:04:51.800 the one photo I have literally you can see and hear the water dripping. 1575 02:04:53.359 --> 02:04:57.640 Okay, Well are you okay? Where is it coming from? Do 1576 02:04:57.720 --> 02:05:01.960 we know? I was told by one of the construction workers that was doing 1577 02:05:02.960 --> 02:05:08.840 some construction work hired by the board and the crew and go through with the 1578 02:05:08.880 --> 02:05:14.640 management company and everything. They said there was no flashing on the unit above 1579 02:05:14.760 --> 02:05:19.560 me because this is a three story complex and I have a there's a resident 1580 02:05:19.680 --> 02:05:24.359 that lives about So is the h o A? I mean that construction worker. 1581 02:05:24.479 --> 02:05:28.279 Was he there to try to try to fix this for you? Oh 1582 02:05:28.359 --> 02:05:32.079 yeah, So they're not ignoring it, the hoa. They're not ignoring it. 1583 02:05:32.680 --> 02:05:35.520 No, let's let's just put it this way, all right, every 1584 02:05:35.560 --> 02:05:39.520 time, I am not a board member. All right, hold on a 1585 02:05:39.560 --> 02:05:41.680 second, we'll come right back. Just hold on, we'll come right back 1586 02:05:41.680 --> 02:05:51.520 to you. Go with a sure thing Denver's best roofer Excel Roofing dot com. 1587 02:05:51.560 --> 02:05:59.119 You don't pay a cent until you're content. Time for an insurance check 1588 02:05:59.239 --> 02:06:03.840 up. Free obligation comparison call Compass Insurance paying too much your coverage at dozens 1589 02:06:03.840 --> 02:06:08.520 of insurance companies find out now three all three seven seven to one help. 1590 02:06:08.680 --> 02:06:12.479 You'll think you're his only customer when you choose Frank durand the real estate Man 1591 02:06:12.560 --> 02:06:16.039 dot com to list your home with Remax Alliance three all three nine two zero 1592 02:06:16.119 --> 02:06:29.520 sixteen twenty two. Tom Martino Your Troubleshooter three O three seven one three talks 1593 02:06:29.560 --> 02:06:34.720 seven one three eight two five five. Dorian has a problem with her HOA 1594 02:06:35.239 --> 02:06:41.560 and she's seventy six year olds. She says that she has water intrusion. 1595 02:06:43.479 --> 02:06:49.079 Dorian, listen, if they're trying to fix it, they're trying to what 1596 02:06:49.119 --> 02:06:55.640 are you calling about now? They're not It is not fixed. Do they 1597 02:06:55.760 --> 02:07:01.520 say it's fixed? Do they claim they got it? No? Okay, 1598 02:07:01.640 --> 02:07:06.800 so they're still they're still trying or not? Are they still trying to fix 1599 02:07:06.880 --> 02:07:15.000 it? They will not address me, neither the board nor the management company. 1600 02:07:15.079 --> 02:07:19.000 I have even in twenty the winter of twenty twenty. Why Why are 1601 02:07:19.000 --> 02:07:24.680 they not Why are they not paying attention to you? They don't like me? 1602 02:07:26.159 --> 02:07:30.479 Why I have no idea? Because they think they can get away with 1603 02:07:30.520 --> 02:07:33.159 it, that's what well, But they don't want water coming in. No 1604 02:07:33.239 --> 02:07:39.800 matter who they are, it's not personal. They don't care. They don't 1605 02:07:39.880 --> 02:07:44.880 care. If you read the reviews or the BBB report on this work on 1606 02:07:45.039 --> 02:07:50.920 this nationwide management company that could almost be closed the book story right there, 1607 02:07:53.000 --> 02:07:56.560 and I every time I've even had this, What is the name of your 1608 02:07:56.600 --> 02:08:05.199 complex, Sunny Veil Condominiums? And where is it Longmont? Okay, okay, 1609 02:08:05.239 --> 02:08:11.239 I'll tell you what what we need to do is get someone to call 1610 02:08:11.319 --> 02:08:16.159 for you and try to figure out what they're doing, if anything. When 1611 02:08:16.199 --> 02:08:18.680 you call them, do they just what do they what do they do? 1612 02:08:18.680 --> 02:08:24.399 Do they do? They have a management company? Most generally will not even 1613 02:08:24.439 --> 02:08:28.680 answer the phone. You can read the BBB reviews and everything else on this. 1614 02:08:28.760 --> 02:08:35.119 Okay, what's the name of the management company? Centry Sentry. I 1615 02:08:35.199 --> 02:08:41.000 have had my insurance agent come out and take pictures. I have called the 1616 02:08:41.039 --> 02:08:46.319 city of Longmont, and in early twenty twenty three I had two employees. 1617 02:08:46.640 --> 02:08:52.720 I'm looking at the card right now, Senior Code Enforcement, Substandard Housing inspector. 1618 02:08:52.199 --> 02:08:56.359 They've been out my engines. Okay, So what does the city? 1619 02:08:56.399 --> 02:08:58.239 What do they say when you call them the city? The city says, 1620 02:08:58.319 --> 02:09:03.199 if I were a renter, my back is covered as an owner, they 1621 02:09:03.239 --> 02:09:13.760 can't won't do anything. Well, growing in my ceiling okay, and the 1622 02:09:13.800 --> 02:09:22.960 water intrudes some of the spots I'm not seeing okay. Ice Century management management 1623 02:09:24.000 --> 02:09:26.640 companies are just going to have lower reviews anyway because they deal with people. 1624 02:09:28.319 --> 02:09:31.560 But you know what I mean, they deal with people at a bad time. 1625 02:09:33.079 --> 02:09:37.319 But you're right, this management company has a ton of oh my god, 1626 02:09:37.399 --> 02:09:43.399 all over the country. They have bad us all over the country. 1627 02:09:43.479 --> 02:09:48.159 Wow. And I can't submit a claim to my insurance company. I could 1628 02:09:48.159 --> 02:09:56.119 even have the damage repaired by my handyman, but that still doesn't help anything 1629 02:09:56.159 --> 02:09:58.800 with the mitigation of the continuous You're right, it'll keep leaking. If they 1630 02:09:58.800 --> 02:10:03.359 don't fix it, it'll keep leaking. Because we're in all right. We 1631 02:10:03.399 --> 02:10:05.520 need to get somebody to call for you. Hey, Kachina, I don't 1632 02:10:05.560 --> 02:10:09.319 know how you've doled things out today, but let's figure out who can make 1633 02:10:09.359 --> 02:10:13.520 a call for her and just say, look, you know what are you 1634 02:10:13.600 --> 02:10:18.039 guys doing? They I mean, they have to do something. And if 1635 02:10:18.079 --> 02:10:22.640 I might just interject, every time I ask the president of the HOA, 1636 02:10:24.119 --> 02:10:28.720 who is the person that lives above me, he said, the management company 1637 02:10:28.800 --> 02:10:31.399 is handling it. Every time I talk to management, well, the person 1638 02:10:31.439 --> 02:10:37.039 above you isn't responsible either of it's coming from the roof. It's the HOA 1639 02:10:37.720 --> 02:10:41.800 exactly. But he is president of the board. You mean the guy above 1640 02:10:41.840 --> 02:10:48.199 you. Yes, oh my goodness. And every time I call the management 1641 02:10:48.279 --> 02:10:52.600 company and say what is being done about it? They say, well, 1642 02:10:52.640 --> 02:10:56.359 the board has to make a decision. I have been on this spin a 1643 02:10:56.399 --> 02:11:00.560 wheel now for over a year. All right, hold on, Kashina, 1644 02:11:00.560 --> 02:11:05.159 who should we give this tough depuity doc? She stepped out. Hold on, 1645 02:11:05.279 --> 02:11:09.640 Dorian, We're going to give this to somebody to make some calls for 1646 02:11:09.720 --> 02:11:13.439 you. I really don't blame you for being upset. And this century management, 1647 02:11:13.560 --> 02:11:18.279 My god, do they have terrible, terrible ratings. Whoo three zho 1648 02:11:18.279 --> 02:11:22.880 three seven one three talk three oh three seven one three eight two five five. 1649 02:11:22.960 --> 02:11:28.199 By the way, for the first time, I don't know if you 1650 02:11:28.279 --> 02:11:33.520 covered this on Brownie Dragon, but for the first time, Americans a vast 1651 02:11:33.560 --> 02:11:39.880 majority of Americans favor building a wall on the border. Did you know that? 1652 02:11:41.119 --> 02:11:43.319 No, I hadn't had that one yet. Yup, yup. I 1653 02:11:43.439 --> 02:11:48.800 just read it. And this is among I mean, a vast majority of 1654 02:11:48.880 --> 02:11:54.760 Republicans and a vast majority of Independents. The only ones opposed to it are 1655 02:11:54.920 --> 02:12:01.520 some Democrats, but the vast majority of a man Americans. Now when you 1656 02:12:01.600 --> 02:12:07.800 add the Republicans and Independents want to build a wall, which I find incredible. 1657 02:12:07.880 --> 02:12:11.920 I mean they're actually saying a wall three all three seven, one three 1658 02:12:11.960 --> 02:12:15.680 eight two five five. By the way, people ask me all the time, 1659 02:12:15.720 --> 02:12:18.119 what do you do for health? And I have been I have been 1660 02:12:18.119 --> 02:12:24.039 reluctant to share this. Of course, Grossman became a sponsor of mine because 1661 02:12:24.079 --> 02:12:26.520 I begged them to. I said, I want to tell people about this, 1662 02:12:26.520 --> 02:12:28.720 but I can't just get on and talk about them. But I can 1663 02:12:28.760 --> 02:12:35.039 now Grossman Wellness Center for just two forty nine Right now, you get blood 1664 02:12:35.079 --> 02:12:39.720 work and an exam and a consultation for just two hundred and forty nine bucks. 1665 02:12:39.760 --> 02:12:43.079 Then you can decide if you want to be part of them. Let 1666 02:12:43.119 --> 02:12:48.119 them, Let them talk about their different programs they have. They have something 1667 02:12:48.119 --> 02:12:52.399 for aging men, for aging women. They have something for young men young 1668 02:12:52.439 --> 02:12:54.880 women. Listen, no matter who you are, where you fall, they 1669 02:12:54.880 --> 02:12:58.600 have programs. They're just a few hundred bucks a month. I swear to 1670 02:12:58.640 --> 02:13:05.359 you that it includes everything, all of the supplements, most prescription drugs even 1671 02:13:05.920 --> 02:13:11.640 along with all the doctor's visits and everything you need, all the blood work 1672 02:13:11.880 --> 02:13:16.640 every three months. It's incredible. Three oh three two three three forty two 1673 02:13:16.760 --> 02:13:22.159 forty seven two three three four two four seven. Take a step towards your 1674 02:13:22.159 --> 02:13:33.039 health. It's the most important thing you have. Grossman Wellness dot com. 1675 02:13:33.159 --> 02:13:37.720 Hi, Tom Martino, your troubleshooter three oh three seven one three talks seven 1676 02:13:37.760 --> 02:13:43.760 to one three eight two five five Back to Jordan to sew things up, 1677 02:13:43.640 --> 02:13:48.159 My money, myway dot com three oh three seven seven nine sixty six hundred 1678 02:13:48.239 --> 02:13:54.920 Jordan. Yeah, people want to know not just about fixed fixed indextinuities, 1679 02:13:54.960 --> 02:13:58.880 but real quick, are you still doing become the banker on overfunding life insurance? 1680 02:13:58.520 --> 02:14:03.119 Absolutely. I mean we keep it very simple with those two products because, 1681 02:14:03.640 --> 02:14:07.840 as you know, Tom, they are incredibly powerful. So with the 1682 02:14:07.840 --> 02:14:11.239 life insurance you get that tax free money. That's kind of like what we 1683 02:14:11.319 --> 02:14:13.960 talked about earlier with money that you are fearful of leaving the bank not getting 1684 02:14:15.000 --> 02:14:16.840 the best interest, but you need liquidity, well, that becomes a banker 1685 02:14:16.880 --> 02:14:22.159 is a great opportunity to keep that money tax free. And obviously the pension 1686 02:14:22.159 --> 02:14:24.399 account or annuity is more for the income in the future, that's right. 1687 02:14:24.479 --> 02:14:28.319 And the also the annuity is for bigger lump sums of money. But overfunding 1688 02:14:28.359 --> 02:14:33.319 life insurance can have many values, including paying estate taxes if you're super rich, 1689 02:14:35.319 --> 02:14:39.479 correct, and also college funding for anybody that's looking you know, five 1690 02:14:39.479 --> 02:14:43.880 point nine plans or you know what, you're right. In fact, I 1691 02:14:43.920 --> 02:14:46.520 think it's better than a five twenty nine in those kind and row Here's why 1692 02:14:46.560 --> 02:14:52.319 that money can be borrowed and not paid back eventually. I mean what I'm 1693 02:14:52.319 --> 02:14:56.680 saying is it's alone, it's not taxes income, correct, And you can 1694 02:14:56.800 --> 02:14:58.960 use it for the child's life, so they have a tax free safe haven 1695 02:15:00.079 --> 02:15:01.680 for the rest of their life versus just for their school. And that's it. 1696 02:15:03.760 --> 02:15:07.640 But if it's a policy loan and you never pay it back, they 1697 02:15:07.640 --> 02:15:09.319 don't. It's not like a four oh one k where if you don't pay 1698 02:15:09.359 --> 02:15:13.920 back in a certain amount of time they declare it income. Well, you 1699 02:15:15.039 --> 02:15:18.640 correct. Yes, yes, it depends on the timeframes, but for us, 1700 02:15:18.680 --> 02:15:22.680 we design them so that you're absolutely right, they stay tax free. 1701 02:15:22.720 --> 02:15:24.359 And that's why it's important to come to people say this no matter what. 1702 02:15:24.520 --> 02:15:30.800 So if you borrow money on a monthly basis or a quarterly basis and don't 1703 02:15:30.840 --> 02:15:33.279 pay it back, they never say, oh, by the way, you 1704 02:15:33.279 --> 02:15:37.720 didn't pay that back, we're calling it income. They keep it tax free, 1705 02:15:37.039 --> 02:15:41.960 and then the proceeds from the life insurance benefit pays it off. Right, 1706 02:15:43.960 --> 02:15:46.640 that's right, Yeah, it is correct, yep. And that's the 1707 02:15:46.720 --> 02:15:48.479 idea of you know that people would use for retirement as well with to become 1708 02:15:48.479 --> 02:15:52.720 the banker relationship. So it stays tax free. That's correct, you got 1709 02:15:52.760 --> 02:15:56.520 it, Tom. Then when you die, it pays off the loan, 1710 02:15:56.680 --> 02:16:01.119 and whatever you have left goes to your heirs, correct, tax free, 1711 02:16:01.199 --> 02:16:05.560 to the errors to keep that legacy going. But unlike an annuity, it's 1712 02:16:05.600 --> 02:16:09.680 not a guaranteed income for life. Right, it only goes as long as 1713 02:16:09.680 --> 02:16:13.199 your account goes, right, you're right. You could use all the money 1714 02:16:13.279 --> 02:16:16.760 up and that is just like a foe and K or an ira for example, 1715 02:16:16.119 --> 02:16:20.920 unlike that annuity that we have. But but but in either case, 1716 02:16:20.960 --> 02:16:24.760 though, the annuity grows tax free, right, tax deferred. The annuity 1717 02:16:26.279 --> 02:16:28.920 well, yeah, but it grows right tax deferred, right, so you 1718 02:16:30.079 --> 02:16:35.959 pay it pays when you start taking income. Correct. And if it is 1719 02:16:35.000 --> 02:16:37.239 a roth, you know, because you know, people do have four and 1720 02:16:37.319 --> 02:16:41.719 K roths, which we encourage all the client take advantage of. That's where 1721 02:16:41.719 --> 02:16:43.520 this would stay tax free and the annuity. But you're right, most of 1722 02:16:43.559 --> 02:16:46.600 them if it's four and k's wait a minute, so if you take wroth 1723 02:16:46.719 --> 02:16:50.600 money and put it into an annuity, you never pay tax on it, 1724 02:16:52.280 --> 02:16:56.399 never pay taxes. It stays a roth status the whole time. Wow. 1725 02:16:56.120 --> 02:17:01.879 Find out more. Three oh three seven seven nine sixty six hundred. That's 1726 02:17:01.879 --> 02:17:05.600 three o three seven seven nine sixty six hundred. I'm Tom Martino and you 1727 02:17:05.639 --> 02:17:07.360 can reach me at any time at three oh three Martino and we'll call you 1728 02:17:07.399 --> 02:17:11.399 back. I promise three oh three six two seven eight four sixty six for 1729 02:17:11.520 --> 02:17:16.959 help, information and referrals or save all your problems for me