Yeah, ripped up need advice, So you don't help, We'll come run
in just as fast as we can. Show the Shooter's gonna help coming.
Man Dix is the Troubleshooter Show. No, Tom Martino, Hi, Tom
Martino here, Welcome to the show. We are here to solve problems.
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you want to get help, It's three oh three Martino, twenty four to
seven. Let's go to the phones. What do you say? Catherine's got
an apartment issue. So Catherine, what's happening? You start things off today?
What's going on? Catherine? By Tom Bye. Yeah, it's a
lot to unpack, but basically, we discovered old behind our couch and our
apartment. Our water heater was leaking for who knows how, and we were
forced to live in a hotel with me, my husband, our dog,
and my six month old baby. And we were also then forced to leave
our lease and spend ten fifteen thousand dollars to move into a new home and
pay for the hotel out of pocket, pay for food out of pocket,
moving costs out of pocket. And we've had absolutely no answers from the apartment
complex, from their corporate office or their insurance. That was a good summary
there, Catherine. So let me ask you a few questions. Okay,
these are important questions. True, were you in the middle of a lease,
yes, and what kind of lease? Like a year long lease?
We had just finned out. How much time did you have left on your
lease? Like six months? Still? Six seven months? Okay? Now,
okay, you were in a one year lease with about eight months left
and when you left? What how did you do it? Exactly? How
did you do it? And I want people listening, people listening to know
there's a proper way to do this. I want to know. Let's go
back. Even, how do you know the mold was the dangerous toxic mold?
Yeah, that's a great question. Actually, so we just happened to
move the couch off the wall and see that there was just this right black
mold growing right. And to me, this has happened before when I was
younger and in our apartment, so I know what mold looks like. Yeah,
but not all mold. Not mold is not great, But not all
mold is that toxic or dangerous, and sometimes it can be easily mitigated.
So this is important. Yeah, so how did you know it was dangerous?
We don't know. Actually, there was no environmental testing done. They
told us that legally they were not required to do any kind of testing.
That's right, Catherine, that's kind of true. Here's the situation. If
you discover and anyone listening, if you discover in a rental mold, you
can't assume it's deadly and break a lease without consequences. Now, I will
tell you the laws are a lot different now, and they favor tenants in
Colorado with our more progressive and liberal government. And I'm not saying this as
a political statement. It's a fact. We have laws now that cater to
tenants. So there are a lot of the courts are pretty lenient on tenants.
You still have to have some kind of reason for breaking a contract.
But I need to know first, how long ago did you leave the apartment?
We left Friday June July nineteenth, okay, July nineteenth. Now when
you left, did you first say and do it through what's called a constructive
eviction? In short, here's what you have to do. You have to
write to the landlord saying we have a situation. It's dangerous, here's why
it needs to be fixed with a reasonable amount of time. And then if
it's not fixed, you're supposed to withhold rent and use that money to fix
it. And if you don't do that, then you leave, and if
you leave, it's a constructive eviction. However, if any of those assertations
you made are incorrect, if the mold is not dangerous, if it's not
in the air, because you don't know any of this, you didn't have
any testing done. It was actually your burden to prove that the landlord was
violating your lease by by a dangerous condition. So I think, I fear.
I fear you did. You did it the wrong way, but that
may not have consequences. As I said, in today's climate, a lot
of landlords are not going after people and letting them go. So are you
in trouble right now? Yeah? What's happening? We well, in other
words, is the landlord coming after you? H No, they're not coming
after us. But we okay, you know, been forced to. Now,
if you're thinking you're going to collect expenses, it's gonna be really,
really difficult because you have zero evidence that. Now, now you understand,
Catherine, I am not saying you did the wrong thing. I am telling
you the facts of life. You have zero evidence that the mold was dangerous.
You have zero evidence mold spores were in the air. You have zero
evidence you had to move and that you couldn't have just had someone come in
and clean it. I mean all of this now, was the water heater
continuing to leak after you discovered the mold or was it a condition that happened
previously? So I had discovered that it was leaking and then did the leak
get fixed? Did the leak get fixed? Yes? But the mold was
still there? Yes? Did you know that if a water leak is stopped
and there is mold, it can be treated one or two times and be
eradicated as long as the food source water is stopped. Did you know that
could happen that that? That's how simple it was. No. I mean,
I guess they just plain that to us they before. Who's who's they?
Who's they Catherine? Who didn't explain it to you? I guess it's
a manager of the leasing office. She just you are. But you assumed,
you assumed it was dangerous for you and your husband and your six month
old baby and your dog, right, I mean yeah, when you're having
health issues that are not explained, what kind of health issues? What kind
of health My husband's been suffering from respiratory issues, especially like upper respiratory issues.
But online, lots of antibiotics, and did a doctor tell him it
was mold related. No, But once we did tell them that we found
mold in our apartment, she said that that could be the cause because it
well, of course it could be, and so could any number of things.
Again, I'm not trying to belittle you. I'm saying it sounds Catherine
like, Okay, if I were how much did you incurrent expenses total adam
up? How much rough to move and all of that? Yeah? Well
yeah, Now that's funny because you really don't get to just do everything,
but extra expenses as a result of the mold. Normal moving expenses are not
extra, but like hotels, extra things like that. If you had to
just put a price on your expenses or what you will call your calling your
damages, how much is it? It was like thirteen fifteen dollars. That's
really really low. That's really low. Here have you asked them for it?
Yeah? Then we told them, you know, we need to the
hotel, the food and all that, and they're like, yeah, our
insurance will reach out to you, and we just haven't heard anything. Here's
the thing again, I don't think you have a strong case, but but
I don't know if the landlord knows you have a strong case. I mean,
the landlord was supposed to be given an opportunity to fix it, or
you could have fixed it. It's called mitigating your loss and then taking it
off the rent. I wish you would have called us when this was happening,
but right now it's too late. You're out. Are you in a
new place right now? Yeah? Excellent? Excellent? So they can't hurt
your credit or hurt your chances of getting another place. You're already in another
place, right, Okay, So that's good. Now what you do,
there's two things. We will have someone contact the landlord to see if they
take responsibility for this. If they ask for evidence, we're going to have
a problem. Right. You have no evidence it was dangerous, You have
no evidence your health was involved because of it. You have no direct evidence
of anything. You don't even know if the mold spores were in the air.
So we can just hope that if we call, they might settle and
pay you something. You're lucky they're not coming after you for the balance of
the lease. So another thing you can do, though, if you feel
strongly about your case, even though you have no evidence, And I don't
know how far you can bs them without them calling your card and saying show
your cards. But you could go to small claims court. I wouldn't go
for fifteen hundred. I would add up more. I would try to make
it at least two grand or more. Go to small claims court and sue
them for damages and tell them it was the result of black mold that they
did not attend to. Do you have pictures of this mold? Yes?
Okay, why don't you do a small claims court? Yeah? And I
have one question though, go ahead. This happened on a Saturday, right,
so you know not the manager doesn't work on the weekend. She wasn't
there. She called the maintenance manager. Which you didn't move out immediately?
Did you the next day? Did you know? We had to just go
to a hotel. So, but what made you think you had to go
to a hotel that day? It just scared my husband and he just thought
we needed to leave and go and so that they can come in and figure
it right, and people get really people get really bent out of shape over
molds. Yeah, yeah, okay, so that's why. So anyway,
it happened on a Saturday. Continue with your question. So it happened on
a Saturday. Then the manager doesn't work. The remediation companies don't work on
the weekends. We had no answers over the weekend, and so the maintenance
man came in and wiped He said that he wiped it off the wall and
then sprayed it with the bleach spray or something without us knowing. So we
couldn't really even get testing done if we wanted to, because they already kind
of came in. Well, no, it would have been good to get
testing done. You could have seen if they killed it. You could have
seen that they killed it or not. It could. What I'm saying is
I think you jumped the gun, But I want you to hold on because
I'm going to have one of our deputies call the landlord to see if they
will do something for you. Let's just see if they'll do something for you.
I mean, and then you might want to consider small claims court.
But I'm telling you personally, I think you're going to lose. I'd not
lose, like I don't think they're going to pay you. What I mean,
I just don't think you're going to get the money. I think the
whole thing was done in haste and I have to take a break, but
it's it's coincidental. On our break, I have someone, Mark Shamansky,
who actually is in the mold detection and remediation business, and when we come
back after the break, what I'd like to do is ask Mark his opinion
on this. Because it was a one time thing, a water heater leak.
They killed it, they treated it. What could have been done to
at least see if it was if it was effective. And I think he's
going to tell you it was a way over reaction, but we'll see.
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Martine, your troubleshooter. Three oh three seven one three talks seven one three
eight two five five. So anyway, let's go to So Catherine said that
there was mold in her apartment. Mark Schumansky, I want to ask real
quick from Genesis, he does mold detection and mitigation. If she had a
leaky water heater and then discovered it and they stopped the leak, and then
she noticed behind the couch there was black mold. And the apartment house said
they cleaned it and sprayed it with some clarox or whatever they said they cleaned
it with, Mark, am I to believe that no matter what kind of
mold it is, if you stop the source, and if it's not you
know, all over the apartment or inside the walls, you can just treat
it and get rid of it, right. I mean, it's not like
impossible to get rid of That's correct, Tom, I mean you can.
You got You should clean it up properly. You shouldn't be spraying it with
a chlorox or light solt. Yeah, you know, I think I heard
earlier in some kind of bleach. You know, basically you should, you
know, use bleach water at least wipe it down. Never use a spray
because then you're spreading the spores when you do that. But yes, it
can be cleaned and and treat it, yes, I mean the best way
is to kill it and then next encapsulate it and you know, just so
it doesn't come back or that stops that food source from there. But yeah,
you stop the water and that stops the mold from growing for sure.
Now, and if you see black mold, it doesn't automatically mean that it's
in your uh, in your air either does it the spores well, I
mean if yeah, when once it turns fuzzy is when it starts to spread.
And of course you don't want to get that close to cel it's this
fuzzy, fuzzy mold. But that's when the scores start to populate and go
into the air. And the best thing to do is to do an air
test is where you there's a control sample outside the building and you do a
sample inside the building. And you know, that's a relatively and expensive test
to do to see if it is dangerous, because there's eight hundred different types
of black mold, and they're not all toxic or dangerous. I mean,
although some correct can have sensitivities to them. They may not kill them,
but they could. Even if it's not toxic, you could still have a
sensitivity to it. Correct. Yeah, some people do, like it's never
bothered me, but some people, yes, right there. You know,
some guy claims that he walks into a house, he knows there's mold in
the house, even before he's even seen it. I know, I know.
I mean that's a sensitivity. Now, here's the deal again. You
know, it's it's a matter of what can be done in other words,
and it's not. Here's here's what I'm getting at Mark. In the past.
It's almost as if, for God's sakes, people want the house torn
down. I mean, I think they over exaggerate the extent at which people
have to go through to clean it. I do believe it's a little exaggerated.
I'm not saying it shouldn't be done properly, but I think it's a
little exaggerated. I mean, these people saw it and left that night,
left that day. I mean they didn't stay in another day, they went
to a hotel and moved out. Right, Yeah, I mean I agree
with you. It is overblown. Along with asbestos and lead paint. I
mean all these things. Are they dangerous? Yes. Do you need to
take care of it properly, yes, But you're not gonna just typically.
You're not gonna just die because you saw it right right right, I get
it. I get it. It would have been even if even if you're
renting to play, to spend less than five hundred bucks to have a couple
of air samples test done, then you have the documentation behind you to say,
oh, this is the reason I'm moving out because look I do have
hold in my building, or you find out you don't. Thank you Mark
Mark Swanski, as I said, he's with Genesis Total Exteriors, And in
addition to doing his you know, in his regular work on the exterior home
and all of your storm damage and all of that and siding and windows and
stuccoing all that, he also does of course mold detection and mitigation and eradication.
And that's good to know. And now we have April who's calling about
a landlord issue as well. April, what's going on with you? April
April. Hello, Hi, I'm calling to see if I can get any
help with my twenty three year old daughter. Okay, what's going on with
her? Okay? So she has sound a leaf for Uh. It's an
actually a house in Colorado Springs. She moved from Pueblo to get a job
up there. Yeah, and after the second week they started to well,
her landlord lives in Texas, but her landlord's fiance lives there as well.
There's three When did she sign the lease on June the fourth? Okay,
so go ahead, go ahead. Continue. So within two to three weeks
they asked her to leave within thirty days. That they why mail her?
Well, they say that she lives leaves dishes in the sink. Wait a
minute, Wait a minute, Wait a minute, wait a minute, she
leaves dishes in the sink. This is a single family home she's renting,
correct, And how do they know she leaves dishes in the sink? They're
taking pictures of it? What are they coming into her home? No,
No, there's three other roommates. They share the kitchen. Oh wait a
minute, So this home is rented to three separate people that don't know each
other four all together. Okay? Oh, okay, So she actually signed
a lease for a home with four unrelated people, I mean four people that
are not on the lease together. They all are kind of renting a room
separately. Yes, correct, they all have their separate lease. Okay,
I get it. So the other three or some of them must have complained
to her, I mean to the landlord. Well, her fiance lives there.
He's one of the roommates. Is the fiance complaining about her too?
Correct? Wait a minute, her own fiance wants her out? Yes,
that's the problem. What okay, wait a minute, does the fiance know
the landlord. It's the landlord's fiance that's living there. Wait, my daughter
lives there alone. She's pregnant. Okay, hold on, I gotta get
your daughter lives there with three other roommates. Is that right, right?
And the landlord is her fiance. No, the landlord fiance lives in one
of the rooms. Oh I'm sorry. Okay, okay, So the landlord's
girlfriend or whatever fiance lives in one of the rooms. Your daughter lives in
one of the rooms, and then two other people live there. Correct?
Okay, Now, what does the least say about this, it's possible that
it has some terms and conditions that she's not living up to. And are
the other tenants also wanting her out of there? In other words, are
they ganging up on her? They are, Oh, okay, hold on,
this is weird. Hold on and we'll talk about this coming up.
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The number is three oh three, eight hundred and thirty four nineteen yep.
Okay, Now what about this season? What I mean is the days
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Sometimes they don't drink that much, but they miscalculate. Here's the deal.
If you're smoking weed, if you're drinking, if you're partying and then
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Then under the work's twenty four to seven for your help. Now, April's
daughter is uh isn't a place twenty three years old with other roommates. And
this is a weird situation because she rents the room in a house along with
three others. But if the three others are saying she's sloppy and doesn't do
her dishes, and there might be more that we're not hearing about, I'm
not sure what the lease says about that. So they're asking her to move.
Did they cite any terms of the lease April about saying your daughter?
No, shay, They have not at all. The first time they asked
her to do her dishes, and when she didn't respond right away, the
landlord wanted to contact me. And she lives in Texas, and she told
me, wait, you talked to the landlord, She asked for me.
Yes, she got me involved. Who did the landlord? I'm not on
the leaf. I'm not on the leaf. But your daughter asked you to
talk to the landlord. No. No, the landlord asked to talk to
me. Why I don't know, I asked her, why or you want
to talk to me? I have everything writing. You have an adult dogter
so why it's weird landlord would say, I want to talk to your mom.
Yeah, exactly, Well, she told me I have it in the
text that she did tell me that, in fact, that she knew my
daughter was home because her fiance heard her in the kitchen, and that my
daughter was not being an adult by not answering her anyway. Where are we
going with this? What did the landlord say? Well, she said that
Destiny should put in her thirty day notice, and Destiny said, I can't
do that. I don't have a place to go. You're going to,
you know, have to tell me what I did to break the lease.
Yes, of course, and go through the court. And so she actually
came in from Texas. And you have to understand that my daughter is socially
awkward and pregnant, and she told my daughter that her lawyer was going to
have some form to make my daughter leave by the fifteenth of August, and
she hasn't. We're listen, she can proceed with an eviction. But she
has to have a reason, a legal reason, right she does, she's
not fating a legal reason, and she refuses to go to the court.
So when no one was around, she came in because her fiancee live there,
and told my daughter that she has to sign this form that her lawyer
is going to type up, saying that she has to leave by the fifteen.
Well, she well did your daughter. Your daughter didn't get pressured into
signing it, did she? I told her not to sign it. We
need to get Brad O'Brien on just I'm going to see if he can come
on and talk about this. So hang on all right, Yeah, see
if he can come on Ka China, and then we'll, uh, we'll
work on that because I want to ask him some general questions on it.
Carl, What question do you have about coins? Carl? I just thank
yeah, I've got some old coins and I just want to find a place
that will evaluate them. Rocky Mountain coin, Klaus, Okay, one guy,
now listen, I have no affiliation with him. I've known him for
years. But also I would use Mark and Mark Machowski is that budget a
one transmission and auto repair now Mark is also a coin dealer and silver and
gold. He's really smart and I think you can trust him as well.
And I mean I don't think what's that, sir. I think I remember
him when you yeah, from car day. Now I want to say something.
When I said I think you can, I mean I know you can
trust him. I didn't mean to sound qualified, but anyway, he's pretty
damn good. Now we also have someone else here in Colorado Springs called Hollandbeck
and it's coin It's called the coin gallery. And I think they do that.
Yeah, they buy and sell and trade collectible coins. They're in Colorado
Springs. It's called Holland Beck Coin Gallery. I think that number down there
is seven to one nine six three four three three one three, and then
there's but as I said, budget A one transmission and auto repair. I
was going to try to get that number for you, but I have to
take this break. Budget. Let me find him. Yeah, there he
is. Hold on. So so that's Mark and he's at three oh three,
uh seven eight one nine eight five eight And any one of those will
help you, or or get get all three to kind of help you and
see what you like. Three oh three seven, one, three, eight,
two five five, got more coming up. I want to tell you
something, Uh Genesis Total Exteriors. As you heard that, somebody wants to
know do they do painting? Yes, they do, by the way,
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Tom Martine out here at three O three seven on three talks seven on
three A two five five. Brad O'Brien is on. He's a real estate
attorney and our expert on the show for real Estate Matters, and Brad,
we don't have access to the exact lease. But but but it sounds like
they probably don't have the grounds they need because they're asking her to sign something.
Let me, let me just lay it out. This one girl is
renting a room with three other roommates. Each of them have their own lease
for this house April. Each of them have their own lease. They each
have a room and what do they have? Kitchen privileges and living uh area
and a backyard, a backyard common living area and they each have a room
and they share a bathroom. Now, your daughter was in there for just
three weeks and then they asked her to leave. But they're asking her to
sign something. We're running out of time, Brad. Can they just evict
if they like voter out not want her? No pick? So it's a
matter of lease. I'm sure you're gonna tell us. Do you have a
be in the least April, Brad, if you can hang on or we'll
call you right back. I'd like to discuss this about roommates. Hold on,
yeah, ripped off news. You need that so you don't have come
running, just as as the can shooter's gonna help coming. This is the
Troubleshooter Show. No Tom Martino, Hello Tom Martino here, listen what the
heck is going on in your life and what you need to do. I've
noticed a trend, sometimes not not necessarily today, but the trend is many
times people wait too long to call, or they go about something the wrong
way, and we're able to help them. We're able to help them if
they had called sooner. Sometimes it's too late, like the people who move
down to their apartment because they saw mold, and Brad O'Brien, I wanted
to talk to you about that, and I wanted to talk to you about
this new dispute with the landlord and just get some general advice. Brad O'Brien
is olslaw dot com. They do real estate law of all kinds, of
course, not just renting stuff, but they do like reviewing documents and border
disputes and eminent domain or easeman's. They do other things too, like you're
buying a home with people, you're doing a partnership and it's not your spouse,
or you're doing owner financing. Any kind of real estate transaction they can
help with. And I'll give you his number in a minute. But Brad,
here's the deal on this one. I just want to go back to
this one. This woman saw black mold behind the couch. She and her
husband, they have a six month old baby, and they just left.
They went to a hotel. They left, They went to a hotel and
the mold came from a water heater leak that had been fixed. So the
leak was fixed, and then they left and never went back to the place
except to pack up their stuff and leave. And I said, I don't
think you did that properly as far as the constructive eviction. You didn't give
the landlord a chance to fix it. You didn't have any proof it was
in the air or it was even dangerous. Do you agree with that,
Brad, when it comes to that kind of thing, or do you say
the laws maybe might be more lenient? Now? What do you think?
Yeah? I kind of really it does need to give a landload notice a
defective condition that makes it not happitable and paid for the trail, and give
the land plan of opportunity to to fix it or not fix it before before
actually just leaving. It sounds like they didn't take the right steps and so
they're probably still they didn't. They didn't validly terminate the lease, and they're
still on the hook for the lease. That's what it sounds like. Now
let's go to April. Her daughter moved in with four other people. Three
other people. Now, April, did you you didn't see the lease?
Right? But apparently they did. They did not quote a violation of the
lease when they asked your daughter to leave. There's four roommates. They each
have their own deal, so they're renting out a room and common area.
When a landlord does this, they have a lease and then they want to
get rid of somebody, they have to say, here's why. So when
the landlord said we want you to move, and they said, well by
the end of the month, what did they tell her? Okay, so
they said birthday said that stop doing other people's dishes, and so she did
stop doing other people's dishes. Ye, so there was nothing. There was
nothing. So when I talked to her, I said, what did she
break on the lease? And she had no answer for that, and so
I said, I'll see you in court. And then I had to block
her because I'm on my mama there. I mean, I was getting way
too into it, so I had to actually block. But can they give
your daughter written notice you have to leave? No, they have not.
They said they were going to email her at thirty day notice. She said,
take me to court. I didn't break the lease. Tell me how
I broke the lease. Then Alicia came in from Texas, and I don't
know what she said to my daughter, who is very she gets intimidated very
easily. And they said, well, we're going to write this up and
you need to be out by the fifteenth. And also you need to pay
half the rent for half the month. Well, okay, they said she
had to be out by what August fifteenth? Yeah, and she ast us
to pay. Was this a year lease? Yes? For a room?
Yes? Well well technically if she was a vig did she would have to
pay up to the point of eviction. I mean, if they did it
properly. But I mean, that's not unusual. You don't just get to
stay there free because they're evicting you. But at the same time, though,
they never said, were we want you to leave because of this or
this or this or did they did they give a reason? They did not
give any specific reason of anything that she valiated on the lease. Okay,
they just don't like her, and they just don't like her, and she's
socially awkward. She say, what does that mean? You said that twice?
What does this mean? Socially offen? What I'm saying is that she's
not real life sociable, So she doesn't sit in the common area with that
that type of thing as to where they haven't really got to know her.
You know, she basically stays in her room and she's I don't know,
she gets intimidated very easily. Now are they making Are they making it rough
there? Now that they want her to leave, they're making it rough?
And I'm worried about her pregnancy. How are they making it? How are
they making it rough? They're thrown into book cameras in the kitchen and I
guess to watch her cook. They're complaining that she cooks. Everything that they
complain about is. I don't see how it could possibly be in the least
maybe it is. Well, give me an idea of what they're complaining about.
Does she cookin fo uh? One time? It was? One time?
Was the food? One time? Was she put the trash in the
recycling bin by accident because the one told her there is a recycling bin there
and she didn't recognize the symbol. And then they don't like me. They
told her they wanted her out because they're not comfortable because they don't like me.
Well, why didn't you visit her? I didn't. They don't want
like me because of the conversation I have with the landlord when she's got in
touch. Okay, Brad, this all sounds like nonsense. But if they
want to get first of all, don't I don't know about this roommate situation.
Is it the same as any tendency, it's it's all dictated by the
least right. Well, is it is it the ms who wants to a
victor or the landlord, the owner of the place, just the owner and
her fiance. Now, by the way, Brad, just so you know,
the owner is the landlord and the fiance is one of the tenants along
with her daughter. So there's four tenants and one of them just happens to
be the fiance of the landlord. Okay, so a co tenant doesn't have
a right to evict a fellow co tenant. But it sounds here like the
landlord instead as the least violation. Well, a landlord can evict for a
material the lease violation, but nothing here sounds material. Doing dishes, putting
the trash in cycling Again, that's not material in my opinion. So you
can't dedict somebody unless you go to court and get a court order possession.
She's got to convince a judge that there has been a material violation of the
lease. I don't think they could convince the judge in this circumstance. Yeah,
especially if she keeps paying. But April she was she planning to stay
there through the birth of her daughter. She was now, does your daughter
work? She got it, she worked at Wendy's uh in Colie Springs.
But when she signed that leaf, she didn't have a job, and they
knew that. I mean, I don't. I'm not asking about that.
I'm saying, what's your daughter? Is your daughter going to be able to
have a baby there? I'm not in that she's walking on eggshells. They're
watching her every news. No, But what I'm asking is when she signed
the least, did they know that eventually she's yes, I mean, because
that could that could make things a little weird having a baby there, right,
But they knew that. They said that, they knew she was pregnant.
She's very pregnant. Oh, I see when is she due? I
mean, she's doing November and she's going and she had planned to live there,
and the landlord, I mean, geez, that's weird. I mean,
okay, so she's going to stay in the room with her Well,
she was going to stay in the room with the baby for the first six
months and then she you know, save her you know, save some money
back and get it obviously a place for herself. Okay, and her baby,
this was a temporary where's the father of the baby, Well, he's
probably I think he's still in jail. Oh jeez. Okay, this is
not an optimal situation. Brad O'Brien, by the way, thanks for your
advice on that. And he's right. I mean, they're going to have
to do a real eviction for a real reason, so don't I hope she
doesn't get tricked into signing anything, because that's what they want her to do.
They want her to voluntarily agree to leave, and if she doesn't have
another place to go, make sure she doesn't do that. By the way,
O'Brien, Legal Services olslaw dot Com seven to zero three seven zero seventy
three eighty eight April. That's really the longest short of it. Okay.
I mean, at this point, if you do locate a Leisha might want
to send it to us, we'll take a look at it. But right
now it just sounds like she has to wait for them to have a reason.
But she may want to just maybe be casually looking for another place that
might be better. Joseph Cano is is my guest today. Joe Cano is
a certified financial planner and he talks about investing and getting ready for retirement in
a secure way. One of the things he talked, he talks about two
things, a fixed indexed annuity or he has actually many, many of them
to fit your circumstances. And these annuities have guarantees. Now, just so
you know, you're not allowed to even use the word guarantee when it comes
to financial products, but you can when it comes to a fixed indexed annuity.
That's actually allowed because it is guaranteed by an independent party outside of you
and the person who sells it, and it's it's an insurance company. So
Joe, my first question is how solid are the guarantees. Okay, well,
you know, Tom, they're very, very solid with us because we
choose only companies that issue those types of annuities that are one hundred plus years
old. They're triple A rated companies living around for you know, they'ving around
through all the economic downturns, you know, and they have survived. So
the guarantees are playing guarantees. So that means that if somebody transferred like a
four oh one K or an IRA into this type of an annuity, they're
gonna be guaranteed, not to lose what they put in or their games.
And the beautiful thing about it, Tom, is that this annuities will grow
when the market grows to a certain level, but when the market drops,
it will remain level. They're not gonna They're not gonna go down with the
market. And this is really what I've been I've been hearing from people that
they're definitely afraid of losing their money. And I don't blame them. I
mean, somebody came to Golfice yesterday with their four oh one K statement and
they said, how soon can I transfer this money into that annuity? And
we can do it immediately, because if we're tired of losing money, I
mean, yeah, now, now simple. They're time and losing money right
and more importantly, if they do lose it takes too much time to regain
it. That's one of the biggest problems, Kaki. We have more coming
up. I'm troubleshooter Tom Martino three oh three seven one three talks seven one
three eight two five five. Frank drand real estate Man dot com. Frank
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three eight six fifty nine nineteen three eight six five nine one nine Hi tom
Artchino here three all three seven one three talks seven one three eight two five
five. What do you think the very first thing burglars look for in a
house? What do you think survey done by law enforcement? I think it's
so obvious. Come on, what's the number one thing? Give me a
guest. Guns. Okay, they look for guns, that's in the top
ten. But the very first thing they look for is cash. Well,
isn't that logical? It's easy? I mean if you but what moron keeps
cash in their house in a way that a burglar could take it? Maybe
a floor safe or something. Would you ever keep now? I keep okay,
I keep cashing a sock in the top left hand drawer. And but
who else who would look there? Uh? Oh, let me think,
yeah, you'd have to. I don't know. Well, I don't keep
it in any sock. I keep it in the sock in the back of
the drawer. Do you think I'm tricking anybody? By the way, Seriously,
Now they look for cash, what's the second thing? Come on,
Kachina, what's the second thing, that's another obvious thing. You go into
the bedroom and you open up what, uh, be large? Already said
it jewelry, of course, be large, jewelry, especially the bling he
wears. And okay, so they look for jewelry and watch it and then
what I now, I didn't think. I really didn't think the number three
on the list is accurate, although please say it is electronics, because to
damn, why would you haul out? You can buy a damn seventy five
inch led TV for four hundred and ninety nine. You can buy, by
the way, you can buy the older ones, you know, those old
ones. I'm sure they're referring more to laptops, iPads. Yeah, I
think game boys or what are they called that? Yeah, yeah, yeah,
gaming systems exactly. That's probably right now. Number four on the list,
uh, drum roll. And of course this one I see, I
would see, and that is prescription meds. But what are they looking for?
Though not just any prescriptions. They would love to find painkillers, my
god, painkillers. Do you know if opiates were not listen, if opiates
did not build up a tolerance, if opiates were not like so devastating to
your health and killed you and and you know, arrested your respiratory rate.
We could have world peace. Just pass them out, we could have world
peace. No one wants to get into a fight on opiates. But well,
hold on, but it would be constummated. That's true. Yes,
but you so fiber fiber and uh fiber and fentanol. But anyway, I
digress. I'm serious. That's bad, bad crap, bad stuff. But
I'm but look at the look at the desire people have nowadays for pain pills.
It's amazing to me. I'm gonna tell you something. I had a
prescription one time after surgery. I forget when, but anyway, I remember
people around me asking if they could have one. I don't mean like people
around me in the station here. They don't ask, They just steal.
But I'm talking about and I'm kidding about that, no, but I'm asking.
I'm not gonna like mention names or even circumstances. But people say,
oh, by the way, do you think I could borrow one of those
or have one of those? I'm having some pains. It's like it's like
this irresistible thing. Man. Okay, another thing they say they look for
personal documents, and I can see that they want. They want like birth
certificates, passports, stuff like that where they can they can forge identities.
They really want to forge identities. And then they want designer clothes and purses.
And then they want keys. Now to me, that's useless keys.
What good would keys be unless you can get to it immediately, like keys
to a shed or keys to the car out in the garage. Yeah,
and then this one I absolutely refuse to believe. And I don't think truthfully
dot COM's got it right. They're the ones that surveyed this, and that's
and that is this furniture. Who the hell is gonna move You don't even
move furniture when you're getting paid for it, let alone steal it. And
bicycles would be number ten. I'd think bicycles would be higher, especially the
new e bikes and stuff. You can walk away with a five thousand dollars
booty one bike boom. Anyway, Joe kanos as I said, as a
financial planner, we talked about, hey, you know, Joe, not
to disagree with you, because I really do agree with you on ninety nine
percent of the time. But somebody just texted me and said, you know,
Tom I've been in the stock market for many years and I've made good
money, and I don't know why he always says people don't want to lose
money. Of course they don't, but it's been a proven hedge against inflation.
And I think the point we want to make is not that you can't
have a stock account and hold some pretty good stocks and make money. But
the problem is not the making of the money, but making up for losses.
You have to have a time horizon, and as you get older,
Joe, the time horizon shrinks. Isn't that the main point? Well,
that is right, you know, and that we're not really disagreeing with the
stock market. I think if you're young and you know what you're doing,
Tom, that is the key. You got to know what you're doing to
pick up the right stocks. You know you can do well with the stock
market. But as you get older, You're absolutely right, your time horizon
will shrink. And this is when people come in and they say, we
want to keep it safe and we want to make our money last as long
as we will. See that is the key. You know, you can
build a beautiful out of money with your far one k or with the stock
market but if you begin to draw the money out, it's on a deplete.
And of course, as a financial planner, you wouldn't tell people to
put all their money into an annuity anyway. I mean, there's nothing wrong
with having a variety of buckets, right, Well, absolutely, you're right.
I mean, we actually tell people not to put all their eggs in
one basket. We want people to diversify us. People come in to see
me. We're talking about the retirement aged people. Okay, we're not talking
about the young, young individuals that coming, right, We're talking about retirement
age people. Those are the people that are definitely afraid of the market.
They want to keep their money safe and they want to have an income that
will last, a guaranteed income that would last for the rest of their lives.
That's what they're you know, that's what really they're interested on you.
Yeah, and Joe, Joe, I have a couple facts is here,
but I tease me not facts as texts. But I'll get to you in
a second. Here three O three seven seven nine sixty six hundred is his
number when he's not here. The website's my moneymway dot com. And then
I also have a question about overfunding, life insurance people, whatever you want
to talk about. Give us a call if you have a problem, question
or complaint. And also I want to remind you you can text my personal
Google Voice number, which, by the way, is it's truly mine and
only mine. It doesn't go into a big switchboard or anything. So let
me give you this number, and again you're welcome to contact me twenty four
to seven. I may not get back to you right away, but it's
seven four seven nine nine nine fifty two eighty. I made up my mind.
I want to give direct access to that number. Of course, we
also have our other number here on the show that iheartprovised for texting, which
is five seven seven thirty nine. But let me give you that Google number
again. Ready, seven four seven nine nine nine fifty two eighty. We
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four four six six eight six eight four four. Hey, Tom Martino here
three three seven one three talk seven one three eight two five five Joe.
We got a tough crowd man when it comes to our streaming audience, our
podcasters, our textures. So I'm gonna ask you some straight up things.
Okay, now, okay, First, I want to make a statement so
I'm fully trans parent. I have an annuity. It's one of my tools.
It's not the only one, it's one of them. Okay now,
but somebody wants to know. And I get this. If you take a
pot of money and put it away and it makes I think mine, I
don't know whatever it's returning. What are they returning? A good annuity will
return, Not that it matters because it ratchets up and you can't lose it.
And I think it compounds too, don't they compound or not? Joe?
You tell me on anywye our annuity stuff? Two components fo me.
They have you know, the the index component. Right, It means that
the annuity will grow on the stock market grows. But they also have a
guaranteed portion that they depending on the age, it could range between four to
five or six percent. Right, So that's the guarantee, right, right,
that's the guarantee. Said, that's right. So so but then you
have the stock market index. So if the S and P goes up to
if the S and P does eighteen percent, you don't do eighteen but you
do what's called a participation of that, right, that is right, It's
called the participation. So you got a few things to look at with an
annuity, okay. One is okay, you have a lump sum of money
or you know a pot of money, and then you have what's called a
guaranteed rate of return, so no matter what, you'll never make less than
that guaranteed. Or you have the index and the index you don't get one
hundred percent of the index, you get a participation rate. So different annuities
have different participation rates, and if you get a higher participation rate, you
might get a lower guaranteed rate. If you get a higher guaranteed rate,
you might get a lower participation rate. Whatever. And that's what Joe does.
He helps you balance it all out. So here's my question, how
much does it cost me? Because people are obsessed with this, they're saying,
look, I heard they're really expensive, So what is it really costing
me? I mean, I know I'm making money. I know I have
a guarantee of an income. But am I paying too much for those privileges?
Are you ready for this? Yeah? And I want to know?
Yeah, go ahead, let let me tell you. This is some black
and white go ahead, guarantee this. Okay. The only fees customer will
ever pay on our annuities that we promote is one tenth at this one tenth
of one percent? Now, job deth of a percent? Okay, I
need to understand this now, so let's just take again. I don't like
talking in numbers, no one really does. But what's an app I don't
even know if there is such a thing. What's Let's see what do people
say? Unless some people have a couple might come to you with five hundred
thousand, right, that's right. Okay, so you're saying one tenth of
one percent, one tenth, one tenth of a percent of the account value
every year, that's the only fee they hey, Tom, and they're going
to be getting that bonus. They're going to be getting that. So on
all, I hope, I hope I'm doing this correctly. But okay,
so you're saying on a five hundred thousand dollars account, okay, you're saying
ten percent would be of course would be uh fifty grand, but they're paying
a tenth of that. So they're paying five grand a year, right,
yeah, okay, one tenth of a percent, Okay, got it?
They pay Now if you look at the if you look at four one ks
or no, I know, I was just going to say this, listen,
man, I have I have accounts where I'm paying that on an IRA
for self directed iras, right okay, So so yeah, some people are
paying between three and five percent and feesm Now, so here's the deal mark.
But now now hold on, So that's a tenth of a percent the
first year. But when the account grows, then the fees go. The
fee goes one tenth of whatever the account value was. Right, that is
that is direct. Okay. But is there an upfront fee? No,
there's not. The only fee. The only fee they pay is one then
of a percent each and every year period. Nothing more. Okay. Now
what about someone said it's not an investment, it's an insurance product. It
is an insurance product, but it is an investment. You see, an
investment is when the money has the potential for growth. A savings account is
not an investment basically, Okay, if the potential for a great growth is
an investment. So an annuity. People use annuities as investments for their retirement
period. They have more. They have multiple annuities. Tom. You know,
we have people that have fourteen annuities and they ladder the annuities. So
if they need an income from one, they turned the income on one and
to let the other thirteen anuties grow keep growing. When they need more income,
they'll turn the switch on the second annuity to increase their payout every single
month or every single year, and then let the other twelve you need to
grow and they go through retirement. In this matter, all me safe with
a guaranteed income stream for the rest of their lives. Okay, here's and
here's what I want to say. And I got to say this straight up.
So anybody listening. I've told Joe knows this. We're almost the same
age. I think he's much younger than me. But anyway, anyway,
that's right. Now here's the point. You know, I've been doing this
for fifty years. I'm seventy years old. I am not here to sell
anything. In fact, Joe, you know how I feel about the financial
industry. I think most of them are a bunch of crooks in my in
my idea, and I'm here to talk about every aspect of everything, the
benefits, the advantages, the disadvantages. I have no one to protect and
nothing to hide. Neither does Joe. So here's your chance, you know.
I mean, I had some guys on YouTube asked me what I want
to know, straight up? What the fees are? I want to know?
Why do you call it an investment? Okay? And okay, so
no one can ask a question. I won't ask you, you know.
And so what I'm saying, there's nothing to hide because the Internet is such
and the world is such that we can get any information we want. Why
would anyone be so stupid as to try to lie or try to hide facts.
That's not what this show is about. I'm not trying to sell you
an annuity. In fact, many times Joe and I go back and forth
on how much should be an annuity, how much in the stock market,
back and forth because there are different philosophies. It doesn't mean one philosophy is
all wrong and one is all right. They are what they are. I
think the biggest and most important thing I found out in investing is balance.
Is that there's nothing altogether bad orgether good, including variable annuities. Now now
I'm not counting those, they're very risky, but there is a place for
those for a sophisticated investor, because a variable annuity it has them. I
don't want to get into it right now because that's not what we're talking about,
But there's a there. I think, Joe, there's probably a place
for every investment with the proper knowledge. Don't you think I agree one hundred
percent? I mean I ply agree a hundred percent. So the key is,
you know there's good annuities and bad annudies. Okay, yeah, that's
true. Place there's a place for those annuities. Like you said, that's
right. If somebody's a real savvy investor, a very well annuity may do
well. If somebody wants to be in the stock market and take that risk,
you know they're an aggressive, right investor. That's right. I got
to take this break though, Okay, So hang on, folks, give
us a call with any problem question or complaint or investment question. As I
said, we don't hide from anything. You can ask anything you want.
More coming right up. You know, George Donaldson is a friend of mine
and he got into the plumbing, heating, cooling, and electrical all of
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and here in Denver, and I'm telling you I know him, I know
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You're safe. But you get really clean carpets with no residue left behind,
so they stay clean longer. I'm telling you from personal experience. When
you experience zero RESI and all of a sudden, you don't smell that musty
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three four seven one fifty one fifty zero Resdenver dot com. You know,
I'm Tom Martine, your trouble Shooter three O three seven one three Talks seven
one three eight two five to five. So we have the show in the
show, I call it the Show about the Show, and that's on our
streaming platforms, and then when you download it, I think you get to
hear that the podcast. I don't know if do they edit all that out
on the podcast, the behind the scenes stuff, Kachina, do you know
that or be large? I don't know if they do or not. But
anyway, oh, it doesn't go out. Okay, So you got a
stream to hear all that. And what I was saying is you guys can
ask any question about anything we do here, and we are one hundred percent
transparent. I don't care. I have no one to protect accept myself with
honesty. So, uh, one thing I do want to talk about one
of the biggest complaints I get about everyone. I'll be talking about that coming
up. Ripped up News you need advice when you don't have come run into
ass as we can. Shooter's gonna help coming man. This is the Troubleshooter
Show. No Tom Martino, Hi Tom Martino, your Troubleshooter. Three oh
three seven one three talk seven one three eight two five five. What's new
in your life? And how can we help you? That's what we ask
each and every day. So give a call. If you have a problem
or question or complaint, anything on your mind, where someone lied to you,
or ripped you off, or cheated you, you can give us a
call three oh three, seven to one three talk three oh three, seven
one three eight two five five. You can also call three oh three Martino
and you can call that twenty four to seven three oh three six two seven
eighty four sixty six. Some of the things we've been talking about. One
of the things when you discover a bad problem in an apartment you're renting or
a house you're renting, you are you can't just end your lease and walk
away. Now you have to go through a procedure to end that lease.
If you don't think the landlord is coming through to fix it, and it's
dangerous or it's safety related, or security related. You have to go through
a proper procedure. Now you can leave early if you on, but you
still have to pay your rent until you get out of paying your rent.
It's called a constructive eviction. I think people make such a big mistake when
it comes to constructive evictions. Okay, so you're renting. In this case,
they discovered black mold. They immediately went to a hotel room. They
didn't even check to see if the black mold was toxic, if it was
in the air, if the landlord would fix it. They just left.
Okay, Now they wouldn't go back, so they proceeded to find another apartment
and they left. That's it. They just stopped paying rent and left.
They had eight months left on their lease. This landlord can go after them
for the money. What you're supposed to do is notify the landlord that there's
a health or safety violation and that it must be fixed. It's inhabitable,
and it must be fixed within a reasonable amount of time. You can give
them seven days, ten days, some people say thirty days. There's reasonable.
There's really no one number that count. It depends on what it is.
And then if they don't fix it, You can say I'm going to
withhold rent and fix it myself, but you have to fix it. You
can't just withhold rent. The other thing people do is say, well,
then I'm leaving, and then they go about evicting themselves. That's why it's
called the constructive eviction. You're leaving. Now the landlord can say you didn't
have a reason to do that. You have, so you have to be
ready to show proof that it was dangerous or it was unsafe in some way
or unhealthy and get expert opinions and testing. If it's black mold, you
can't just say I don't like it and leave. Well, you can,
but you're not going to get reimbursed, and in fact, they might be
able to come after you for breach of contract or breach of the lease,
so be careful. If you're in that situation, call us first. Then
we have a situation where people sign for a room in a house, not
necessarily the whole house, but a room plus common areas. Those are the
most risky leases you can have because you're living with three people unaffiliated with you,
and if you all don't get along, it's hell to pay because you
just signed a year's lease, then if they want to get rid of you,
they can make life difficult for you. So I never recommend those kinds
of leases, although there are more and more of them showing up. Because
people can't afford a place by themselves. It's better to get someone you know,
a friend or relative. Even that's not perfect, but it's better to
do that than this other way. The only benefit this way is when you
go in and get a room and you have common areas and you have other
roommates, at least you're not on the hook for the whole rent, even
if one of the roommates flakes out. Okay, because when you go in
with a friend or relative, those leases usually say that both of you are
responsible for all of it. So that's a problem because if you go in
like a friend and rent a place, right, we've had this happen where
friends go in and rent a place, then they have an argument or one
friend is a deadbeat, the other friend isn't. One friend leaves, that
one friend who remains is on the hook for everything. Whereas if you go
and rent a room and a common area in the house like the kitchen and
living room, but you all have your own room, those are separate leases
for each one of you, so renting is very difficult people, It's very
very difficult. I was thinking of a business because of how expensive things are,
and I don't know how exactly I would structure it, but it would
almost be like a co op where an owner, let's say it, such
as myself or an investor, would own a piece of real estate and then
you buy into it. You don't have to buy the whole thing, so
we each own part of that unit, so you have some skin in the
game. It's yours, but I own part of it to keep the cost
down. I'm not sure how that would be structured, but I don't think
it's an entirely terrible idea because if you flake and leave, you give up
your ownership. If you stay, you have equity if you want to sell
your part. So I don't know, I mean it would it would require
some thought to do that properly. But we have to come up with innovative,
innovative ways to get people a place to live. I mean, I
feel bad for young people who are working their asses off and they can't afford
a place to live. I mean, they can't live with their parents.
The whole time now three ozho three seven to one three talk three oh three
seven one three eight two five five. On another tex somebody was asking about
the E four seventy tolls that we were talking about the other day. Four
seventy will assess a toll to you, plus penalties and interest if you ignore
their notices. If you don't have an updated address on your registration or title,
you better have it because you won't know you're getting those notices. And
those tolls can be doubled when I mean not the tolls themselves, but the
tolls the bill could be double when you consider the interest in penalties. And
that's E four seventy. Now. I said before the break that the one
thing about this show is that we absolutely have no one to protect. Ever.
We have sponsors and we love them. We have the referral list.
We love them. But you know what, we love them until we don't.
But that doesn't normally happen. I think over the years, I've maybe
bounced two clients all together. I mean, it doesn't happen often because we
vet them beforehand and we constantly are continually monitor them. There have been times
we've parted with clients on a friendly basis, But they just I didn't.
They were not my cup of tea. They did not I don't think,
handled things properly. They weren't dishonest, they weren't crooked, but not my
cup of tea. So we parted as friends. Let's say now, but
let's talk about the biggest complaint. I get about good and bad people,
but mostly about good people. The biggest com plan I get. If I
had to sum up all the complaints I get, what do you think the
biggest complaint is? What do you think it is. I'm not talking about
out and out ripoffs. I'm not talking about ripoffs. I'm talking about a
complaint that is the most common complaint I get. That is pricing. I
swear to god, people are just wild about pricing. Now here's some of
the problems. A company comes into your home. It's mostly services companies.
Sometimes it's attorneys and other things. But what I don't understand is you're giving
a price up front and you approve it. You approve it. Why why
would you approve it? If you're questioning that prece are you thinking, well,
I'm going to sign it? Don't ever think this? Well, Tom
Martine recommends him, so it must be the lowest price. That'll never happen.
It doesn't mean it's the highest price either, But don't sign it if
you don't like the price. If you have a question about the price,
research it. Now. Unfortunately, there's nothing at a bargain anymore. Nothing
is a bargain. Not windows, not doors, not siding, not roofing,
not appliances, not appliance repair, not furnaces, not water, well
water heaters. We have europlumbing. That's the one area where he's still doing
some screaming deals. But in general, you're not gonna find bargains. You're
gonna find value, maybe great rate systems at great prices, but you're not
gonna find anything cheap or and expensive. You're just not okay. That goes
for auto repair and everything. So don't sign it up front and then call
me and say I was told by my brother in law that's too much money.
Do research. There's nothing to prevent you from doing research before you call
them to your house. Now, I know, in an emergency, if
you need something, you need a furnace, or you need air and it's
freezing out and all that, you know, you tend to make a decision
because you need it. But even in those cases, that can be prevented
by simply doing some homework. In other words, well not homework, proactive
maintenance. Before it's extremely cold, and I mean, I'm gonna be telling
you this in about a month or so, start looking at your furnace.
So if someone says, hey, you need a new furnace, you're not
so damn cold and afraid that not to get it that you have time saying
hmm. He says, my furnace needs to be replaced and it's going to
cost this much. And by the way, always compare and always shop.
That's the only thing that will give you an edge. That doesn't mean you're
going to find something cheap, but maybe cheaper or less expensive. The point
is, don't call afterwards. I've even had people call. Listen to this.
One person said fourteen to five. They had a furnace and AC put
in for fourteen to five, and they literally told us that they thought it
was fourteen hundred five, fourteen hundred five dollars fourteen to five. Come on,
now, if you really believe that you did sign something. But here's
another complaint I get, and I don't know what to do about this,
but I'm going to talk to our companies about it. Do you know that
nowadays when they have you sign like hold on, hold on, Yeah,
you sign on these things. You sign on on iPads. Now, you
don't even sign on paper or clipboard. Some of them have them. So
they put they put an iPad in front of you and say here, and
you see prices, right, and you see conditions, you sign, and
that's the last you see it. The only the only time you get a
copy of that is when they get back to the office and they email it
to you. Now, I'm hoping there's a way you get an email to
you immediately. In fact, I would want to email to me before I
signed it, or if I'm gonna sign it, I want to read it.
And it's very intimidating. When it's on an iPad and they say go
ahead and sign, it's very intimidating. And then you don't get a copy
right away. So all of these things are all new age, they're new
the way we do things now. But again, pricing is the number one
complaint, the number one now as far as financial products. As I say,
we talk a lot about finances on this show, and I have guests
on today, and we're going to talk about that. But I will get
to those questions that you asked, no matter how tough they are. Now,
Phil, you have an issue with an Apple laptop. I want to
ask you something out of curiosity. Here, Phil, is it a new
laptop? Yeah? I just bought a laptop from Walmart. I see it
was on sale. It was like three dollars. Wait, wait, wait,
an Apple laptop, an Apple for three hundred dollars. Yeah, over
at Walmart it was on sale. It was like the model is it dollars?
You know, I don't even know the model. I don't know anything
about these computers. All right, hold on, Phil, I'll come right
back to all right, Cameo, I will. I'll come right back to
Cameo. And you're calling about shop. Oh, I know what you're calling
about. I looked up your call. You hang on. We got more
coming up on the Troubleshooter Show. Three all three seven, one three A
two five five. Hey, you want to know something. KH Home Solutions
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Solutions three oh three four two one seventy one hundred four to one seven one
zero zero. Now I love talking about bathrooms, especially when it comes to
discount bath because they do the whole bath at a discount, hence the name
discount bath. I love when the name says it all. They'll give you
prices up front, they'll show you what they have. They have imaging software
so you can see what the bathroom will look like, whether it's a half
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give people discounts and we're happy to talk to them about prices upfront. So
give them a call and find out what they can do for you. They're
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seven nine two three two two. That's seven two zero nine seven nine twenty
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air conditioner working less. But now add to that the cool mornings and cool
evenings we have in Colorado. You don't have to run your AC all day
and then wait for it to cool down at night. So you see a
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Qccolorado dot com one of the best purchases I ever made. It's remote controlled
and the wiring in the walls. They do it in like an hour and
a half and you're just gonna love it. Okay. Three oh three,
eight hundred thirty four nineteen three three eight hundred thirty four nineteen Hi Tom Martino,
Phil, what is your problem with the Apple laptop that you bought?
Well, she's got an old Apple laptop, our eyepad or whatever you want
to call them. Well, it's either or. I mean, it's a
laptop where it's an iPad. I don't know what it is. Is this
something you just pay go ahead as an iPad? But the screens were broken
because she kept dropping it and breaking out. Okay, got it, Okay,
new a new Apple Pad and it wasn't three hundred dollars. Is two
hundred and forty nine dollars. Anyways, it's a pod nine. I don't
know if you know anything about that, And it's a sixty four sl Okay,
you know what is your will? What is your question about this iPad?
Well, I bought this for my wife's birthday, which is today,
and I gave it to her and she went in there and tried to transfer
from the old iPad all the information to the new iPad. Okay, Evidently
it blocked her out or something she put in the wrong password. She can't
think of what password it was or anything for the old she so she doesn't
have her Apple ID for the old iPad. Of course she does. She
did like HH or whatever it is. I don't know, Like I said,
I don't know anything about these computers or films or anything like that.
I don't thought maybe you couldn't help. Well, let me just tell you
this, okay. Usually there's two things that could be happening. It could
be her Apple ID, which would help her transfer everything over from iCloud,
or it could be she can't even get into it because of her PIN.
Do you know which one it is? Is it? Are they asking for
her Apple ID or are they asking for her PIN? They're asking for her
code number? Right, Okay, that's a PIN. Right. So in
other words, when she when she started that old iPad. She had a
pin number she used right, so when it's locked, she unlocks it right,
right, and she forgot what that pin number is. Yeah, my
wife's kind of okay now, remembering very well. But you can reset that
if she if she has her Apple, I d well, I think you
reset the I think you can with an iPad reset it. But man,
those are really difficult. Hold on, I'll find out. But hang on,
we'll try to get one of my Apple experts on. Hold on.
Cameo, welcome, cameo. I remember you called me about your childcare problem.
Yes, and as I remember it, did you tell me that your
automatic withdrawal from Arapahoe County, the Irapa County collected from the father and then
it would be deposited into your account. Correct? And every time I email
or contact Arapaho County, they they're very rude. One lady said, I'm
going to hang up on this woman and make her lose her mind. I
was on a recorded call and I was still on the phone, and she's
like, oh, I'm really sorry if that offended you, and I'm like,
yeah, that definitely offends me, and it would offend anybody with the
same mind. What I want to know is this, how many payments are
you missing at this point? There's one week that I have not that I
didn't receive. The bank claims that it was in my account. It definitely
was not in my account, or if it was, somebody withdrew it,
the amount is different. I never have gone to court a Rapahoe County refuses
to update my information I have received. You know, well, okay,
okay, that's that doesn't make sense. So let me get one thing at
a time. Okay. You were getting monthly childcare payments of how much eighty
two dollars and fifty six cents every week? Okay, and then those checks
were deposited into your account except for one of them. Is that right?
Correct? Is this entire issue right now about that one check? No,
it's way bigger than that. How many checks, Well, the amount is
in question. I am asking hold on, I'm asking how many checks did
not get deposited into your account as at this point one I'm still waiting for
a check for this week. But there's a lot of issues with the Rapahoe
County. I understand that I'm not asking that right now. I want one
thing at a time, So you're only missing one check for this week by
But okay, now, is it reasonable to a zoom that if you received
all the others, you're gonna get the one for this week, because when
you called me on July ninth, it was obviously for that week. I
mean, so you've you've since gotten that check. So so do you think
you'll get this check, the one that you say you're missing? No?
So why why you called me July ninth? Okay? You called me July
ninth, like three weeks ago or two weeks whatever, and you said you
didn't get a check, but you've gotten that check since then, and now
you're calling me about the most recent check. Is that right? No,
sir, I did not get any payment for the first week of July.
That payment never got Okay, So that's this check you're still calling about,
yes, sir, Okay, So right now you're calling about one check from
early July that you never received. Correct, there's that, and there's also
there's other things in the mail from a Rapahoe County that I was supposed to
receipt that I have not received, Like what other things that you did not
receive? EBT food cards? So my daughter can eat okay, and one
out okay, So hold on one thing at a time. Then the one
check for eighty two bucks that you never received, your bank claims you did
receive it. That's what the bank said. And did the banks show you
where it was deposited. No, they they told me to close my accounts.
That he didn't want to deal with me anymore, cameo, Can you
look at your bank statement and see where the check was deposited? Statement?
No, sir, I wish I could. I'm not allowed to have access
to my online bank statements. I'm not asking about online, but certainly if
you went into the bank, they would have to give you a statement on
your account. Probably. Well, that's what I asked you to do last
time I wrote this down, that you were going to get your bank statements.
You see, cameo, If the money was deposited in your bank account,
then it's going to be one thing. If it was never deposited in
your bank account, it's going to be another thing. You're claiming that your
bank, you said, your bank is claiming that they deposited that two dollars
check that you said you never got. They say you got it. So
simply ask them for the statement that shows the deposit and then we can trace
where it went. That's what I'm asking you to do. So I can't
do that. They won't give it to me. Okay, so it you
know, sir? Have you since closed that account? They forced you to
tell me? What is it that would drive a bank to tell you to
leave? They don't want to do business with you anymore? Why is that?
So? I asked them to print my bank statements because I wanted to
see because there's issues with claiming that that my part is being used ACROSSSS in
California. I said, this doesn't make sense. I live in Colorado.
Why are there charges for California? And she's like, oh no, that's
an accurate charge. And I was like, but it's not because I don't
live in California. Okay, So cameo, how much was charged in California?
Bob, I don't know. I sprinkled all the charges. This is
the thing I see what I want to sit down with the lawyer because there's
a lot of fraudulent things that happened. When I went to the bank,
I talked to us about well, hold on a second, hold on,
you're saying that someone got access to your card for my card, my bank
something I'm not lying about about minus much. That doesn't make any sense.
Well, you said you were missing one check, so if you count those
charges, how much? How many illegal charges were made on your account?
Quite a jew? I'm looking for I kind of my big Well, why
didn't you send me this stuff when you sent me the email? You didn't
send me anything that shows these fraudulent charges. No, she's nobody asked me
any copies of any of this or I definitely would nothing. Okay, Look,
this is you know, we might need someone to call Deputy Dollar.
We might need you know, Kitschina, We need Deputy Dollar to do a
conference call with her in her bank and simply ask simply ask for copies of
her statements. She's claiming there were several illegal and unauthorized withdrawals, but she's
not showing us that. She's just saying it happened. She can't even tell
me how many. So so cameo, what are you looking at when you're
telling me there were unauthorized charges? What are you looking at? No?
I'm asking you what gave you the first idea that these charges were made to
begin with Okay, I'm hearing I can't. I can't. We can't communicate,
so I need dollar to call her. Here's what I know. What
she's saying that somehow her child support directly deposited into her account has been accessed.
She has no record of that whatsoever except of when she looked at it
one time and then they took away her access. Now, come on,
even with a closed account, they should be able to give us a complete
written statement of her account and then we can go through it and find out
which charges she claims or which which withdrawals she claims she never made. But
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eight one eight eight one nine eight Hi Tom Martino here three oh three seven
one three talk three oh three seven one three eight two five five. Hey
Bonnie, you have an iPad, an old one, and you have a
new one, and you want to transfer data from the old one to the
new one. Is that right? But you but you can't open the old
one because you forgot your key, your pass code. No, I got
my old one going, but I can't get my new one going. Oh
wait a minute, why can't you get the new one going? I have
no idea. Oh I thought Phil said you could not get the data from
your old one onto your new one. So when you turn on your to
I want to take the data. I get it old one, Yeah,
I get it now. The best way to do that, Bonnie, would
be to take the data from that old one and load it onto iCloud so
it's always there, and then you take it from eye cloud and put it
on your new iPad. But when you say you can't get when you say
you can't get your iPad going, what do you mean when does it turn
on? Yeah, it don't turn on, but the newer GISs hello?
And then that's all I can get on it. Okay, it says a
hello, old one, the old one. She doesn't have internet. We
have Century Length and we're canceling them and going to Affinity on Friday. And
I don't know if that's going to make a difference or not. When you
say you don't have internet, what do you mean? It's a Wi Fi
unit And all you have to do is sign into the internet. See,
you have to sign into your Internet like you do with anything, like you
do with a computer, you do with your phone. But once you sign
on, you're there. But Bonnie, if you can hang on, I
mean, I don't I think you're with the iPad. There's a continue arrow
where it says hello, and you just clicked that button. Hit that button.
Hold on and I'll see if I can walk you through some of it
ripped up. Need advice, so you don't have come running, Just as
we can. Shooter's gonna help come man. This is the Troubleshooter Show.
No Tom Martino, Hello Tom Martino here, Welcome to the show. We
are here to help you solve problems, answer questions, take complaints, make
your life a little easier. There's how brought to you by Compass Insurance Group,
home of the free insurance checkups three oh three six nine nine six nine
thousand. So anyway, on Apple products, let me just explain this to
you. Apple products have a number of ways of storing data. You can
store it locally on the iPad itself or the laptop or whatever, Okay,
locally on the unit, or you can store it on the unit end in
the iCloud in the cloud, and then that account can sync all of that
data to all of your devices. So let's just take something simple like pictures.
Let's say you have pictures picks, right, so you have them on
your phone, They go to the eicloud, they come down to your laptop,
they go back up to the cloud, and go back down to your
iPad. Everything is synced. So all of your Apple devices talk to the
cloud and they can sync your data, contacts, messages, pictures, everything.
Now, another way to do it is just on the unit itself.
And if it's just on the unit itself, that proses a problem if you
can't get in to the unit. Now, remember if you lost your pin
your passcode to get into your iPad. If you did, you can't get
into it to get your data, and since your data is not on the
cloud, you can't put it on any other device. Now, if it
was on the cloud, it wouldn't matter if you could get into any particular
device because it's still in the cloud. Now, let's talk about another problem.
And I think this is a very simple one. That's what I thought
Bonnie was calling about. But Bonnie basically has a new iPad her husband bought
her for her birthday, and she wants to take the old stuff from her
old iPad and put it on her new one. And she can do that,
but she says she can't get her new one going. Well, Bonnie,
you say that when you turn on the new one, all you see
it says hello to you, right, It like writes out hello? Is
that right? Yeah? Okay, Well, let me tell you that,
depending on the model that you have the new one, when it says hello,
there's either a home button you have to press, or there's a circle
with a little arrow in it at the bottom of the screen and you press
it and goes to next. What that's doing is setting up it's going to
ask you what country you're in, what language you want, and all of
that. So that's when you say you can't get your new one going.
I'm sure it's something that simple. And if you can't figure that out,
it might be hoove you to just get an appointment at the Genius Bar and
they'll help you set it up and transfer your data. They're really good at
that. In the meantime, Tom, I appreciate all your help, sure,
but I think that she would feel a lot better if everybody in the
in the radio station would sing a happy birthday to her, and then she'd
leave me alone. Thank you. Okay, Well, who's going to sing
happy birthday, Kachina? Well, wouldn't that be you? Well, I
need music. We can't sing that song, Oh, because it's copyrighted.
Conrect you, liar, liar, pants on fire? Not really, would
we be blocked out for doing that? The answer is yes. Oh man,
hey, Phil, no fool, and we're not allowed now. Even
if we sang it ourselves right, we can't do it right. Correct.
It's a protected song, Phil, That's why you know. That's why in
restaurants and stuff they sing happy, happy, Happy, happy birthday, birthday,
or they sing first she is a jolly good fellow or whatever, but
we will say happy. How about just saying it. Yeah, happy,
happy birthday, Bonnie. How old is Bonnie? Tell it Bonnie, Monni?
Tell Tom how long we been married? And how old were you when
we got married? Kill them? Yeah? How long you've been married?
He was eighteen. I don't know what I was doing. He was eighteen?
And how old were you? Seventeen? And how long you've been married?
Fifty seven years? Wow? That is wonderful, hey man, No,
no, no, that's really cool. You've been married fifty seven years.
Holy crap. You know what it is? Your whole life electic?
Hey, Tom, I was in the electronic business, and I remember talking
to you. You are you always say were you in the radio? Of
course I was in the radio. I was in electronics. I fixed radios,
I fixed TVs. Everything I know Frit Schmidt and and and pistols were
I remember you? I remember you, Phil, And I'm so happy we
heard from Bonnie. It would be really better if your name was Clyde.
Then it would have been Bonnie and Clyde. But it's okay, yes Bonnie,
and yes, yeah Bonnie and Clyde. I listen. That is cool.
So but really, on a serious note, though, a happy anniversary
whenever it is. That's a wonderful thing that you guys have stayed married and
you love each other, and he bought you a brand new Uh, that's
nice that he brought you a brand new whatever? Can you iPad? Can
you believe it? Paid one hundred and forty two hundred and forty nine dollars
for that? No, that's a good deal. Probably an older generation,
but hell, that's all that you need. I like you're a good guy.
Good guy. That's wonderful anyway, So congratulations to both of you.
Thanks for calling me. Three oh three seven one three talks seven one three
eight two five five. I want to talk to Jordan Caiano again. We
had some questions come up and we talked about annuities and stuff, and people
ask how much does it cost? Then I got another question on facts a
text here. I don't know why the hell I keep saying text? Let
me see where is it? Okay? Where is it? Dog on it?
It's about it's about expenses, Okay, your your dad said, and
I misquoted your dad's said, is one tenth of one percent? I said,
So if a couple had five hundred thousand squirreled away, it'd be five
thousand. It wouldn't be. It's only five hundred dollars a year. I
mean, that's incredible. That's that's one tenth of one percent. Are those
all the fees or are there commissions on top of that? Those are all
the fees. The only additional fee that it could potentially be would be some
of the allocation options, some of the choices. Some of the videos might
like we personal advise these, but there's some additional allocation choices where you can
park the money and how it's invested. Those could have additional fees like one
percent. Now, what do you mean? Would give me an idea like
an ETF fund or something? No, not for se like usually like most
of the accounts have like maybe ten to twenty different ways that you can choose
how the money could grow in the market. So like one could be the
S and P five hundred that's usually one or gold bouyon. Okay, But
do those investment accounts carry their own expenses? Some may not all of them.
Some have additional kind of limits that you could reach, like different higher
caps, or some have maybe with black rock because they like then there could
be additional fees on some particular ones that they might want to invest in.
But we help all of our funds. We sit down with them every go
to show them those which ones that we prefer that are non feed based ones,
and some that might be a little bit higher if they really want to
go that route. But no matter what, brow your money. But no
matter what, when you have this lump sum of money in an annuity.
Okay, let's say you have the lump sum in an annuity, it's growing
at either a guaranteed rate or a participation rate, whichever's higher. Right,
Yeah, So to make it the easiest way, I always say, there's
a left side. On the right side. The left side of the five
hundred grows based off those allocations with the S and P five hundred Blackbrock hell
have you to look at it, dow Jones. On the right side is
just what you're talking about. Grows at a guaranteed rate no matter what holiday.
And then what does it do at the end of the year. It
takes the higher one once the client which decides to take them on nothing,
which everyone is the highest of the two ones. They just find Oh,
so these two are accumulating the life of the annuity. Correct, You got
it. So no matter what I always say, worst case scenario is the
right side of the B account be that just always grows steady at y,
no risk to go up or down or up in sideways. Whereas the market
side they can up for the lost could ever get to be a zero in
a year. So at the end, but if it gets zero, then
it goes to the guarantee. Nope, if it gets zero, then it's
just kind of flatline for that account a side. So h but I understand
that for that side. But at the end, when you start taking income,
the account value is whichever one is higher, correct, that's the right
I would say. If then whichever is the highest of two, which I
want to lends the race, So whatever, that's right, that's a good
way of putting in whichever one wins the race. So you are tracking the
account with two basically indexes. One is a guarantee and one is a participation
in the market. Correct. There you go, yep, And and that's
when they decide to put that switch on which everyone's higher on the tape.
You know normally what it turns out to be. Is it usually the market
participation or is it usually the guarantee? Typically I'll say, as of right
now, I would say the guaranteed sides and winning pretty high price. Last
I don't make ten fifteen years because look at it this way, it starts
depending on somebody's age. I mean, I run fifty five is when it
kind of really allows to start fifty fifty five, So that's about three and
a half percent, and every five years it steps up half a percent.
So as like in their sixty sixty five, you're going to have five six
percent guaranteed every year. So at the end, I mean, there's no
zero years if you will, there's no flatline years, whereas the market side
you can get some stellar twenty percent thirty percent returns, but can also get
zero for a few years because the market crash. So I will say the
guaranteed side, as of late, we've seen at that side page. Although
I'll tell you what, Jordan, I don't know if I'm disagreeing, but
the S and P has done phenomenal over the last five years. Oh I
know, I know. The nice thing is they get the best of both
worlds, because no, you're right, yeah, and then and then the
bumper, the fifteen percent bonus that you get is that growing at the same
rate on top of your principle. Correct, you got it. Yep,
So that's that's growing in addition to the five hundred thousand, Like you said,
there you'd have a okay, so, and that's actually your money.
You got it every year, you know, truly growing in there. It's
there. Now they have what they call like a ten year window where the
company doesn't want you to jump ship and go collect another bulley. So yeah,
you can't take your fifteen percent and say in a month goodbye. Right,
you're right, I'd be out of business. I'd be doing the same
thing, right, I mean s Tahiti right doing that. But but to
your point, yes, it is your money. If you passed away,
the money goes to your client or your loved ones. Actual they've been fisheries.
But it is factory in the growth. It's factory in the accumulation,
which is very different than someone who did out there, and it's also factored
into your income. Right, you got it. So all they ask with
the with the bonus is that you stay in a certain amount of time in
order for it to be fully vested. Correct. And again that's their way
of just like a jump in shit for another company. But no, I
get it. It's an incentive. It's an incentive. Yeah, okay,
he stopped in five years, you get the fifty percent of that, so
and so forth. All right, we got more coming up. Three oh
three seven, one, three eight, two five five. John Fuller is
my personal injury expert, my accident lawyer dot co. Now we use them
on the show all the time because people calls have been injured. I need
to know what to do, what's my next step? How do I not
step on myself? How do I not ruin my case? And John is
used to answering these questions because he does it for clients all the time.
People call him and John, you know, no matter how we look at
it, people want to get paid for their injuries. That is the system
of justice we have in this country. If someone injures you, they pay
for your injuries. So the natural question has to be how much is my
case worth? People want to know? Is there a way of knowing?
John? If they call you, you know, we can get pretty close
there, Tom. If I know about the injuries, I know about the
insurance that the other side has, and I have some idea of whether there's
going to be any issues with liability, we can get pretty darn close.
But sometimes we're wrong on the low side. Sometimes we're able to discover additional
policies and additional coverage that can sometimes double triple or even quadruple our estimates because
we found additional coverage. So the only safe way to find out is to
let us jump in with both feet and give it our best shot to get
the maximum recovery for you. And that's something that tends to get sharper and
sharper as the case goes on. And John, the good part is that
it doesn't cost anything for people to call you to find this out. I
mean, you don't even make them sign up to find out. You just
give them your honest to goodness impression. Yeah. I mean that's the way
we do business. And we want to make our clients and potential clients feel
comfortable that we know what we're talking about and we you know, we're easy
to get along with. We're going to provide the necessary attention to to you
know, to focus on their case. Unlike some of these other firms that
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some call center asking him what's my case worth your talking to John three oh
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thirty two eleven nine seven zero sixty six three thirty two eleven Denver's Talkstation six
thirty K Howe TI nom Martino, you're troubleshooter three O three seven one three
talk three O three seven one three eight two five five. Let me go
to some uh texting that we have and I don't understand this one. Do
Australians think? Did we talk about Australians at all? Did anyone talk about
Australians. This is for me, It's not for anybody else on the station.
It says do Australians, it says Tom. Do Australians think Americans live
in the past or do Americans think Australians live in the future. I'm going
to tell you what Americans think who've been there. Australians live in the past.
That's a very, very very They're way behind us, don't you think?
In everything Australia. I mean most countries are behind us. If you
ever go into a country where you feel they're more advanced than us ever in
anything, technology, society, I don't know. I can't think of any
really. I mean, there's one thing you got to say about the melting
pot here. We really took the best of all cultures. I mean we
really have. I mean, are we still proud of America or not.
I mean I am. When I say proud, I don't mean you know,
like proud We're going to be everyone's ass. I'm talking about it's a
good mixture. I mean, I I like the diversity and all of that.
I like the culture's melding, and I like the uh, the advancements
we have. I think we're way advanced, way advanced, unless I'm missing
something. Let's see, maybe you know Swiss watches. I mean, you
know, I'm not kidding, like like what country can do anything truly better
than us? Now? Now I'm not talking about you know, the fight
like wine making or you know, or or foods or certain dishes. I'm
talking about technology, vehicles, data, what else. I think. I
think my husband would have an argument to pick with you because on what tomorrow,
he would sincerely move to Japan for what what what? For everything?
He loves it. He loves the transportation. You know, you know,
friends pretty pretty advanced. But but the transportation system just getting around in the
different trains and it's all clean. Everybody is very nice and they very they
kind of go at a cadence that's not like us, where we don't I
know, I haven't been there, but I've talked to people. It's amazing.
I mean from what he's told me, I've never been there, but
he loves it. He would literally go move there tomorrow, he would yep.
Now, I was told that they're polite, but almost polite in an
impolite way, like they're putting up with you. Well, there's a language
barrier there for not just a language barrier, but like Americans, they put
up with you and they're polite to you, but they'd rather not have you
around. But even though they don't actually say that, I don't think that's
true about the Japanese people because from what my husband has described, so when
you go off of a train, there isn't this whole pushing and shoving and
okay, I got to get, you know, ahead of you, and
I have, you know, because if you go to the airport, you
get off the train at DA, it's like pushing and shoving, and in
Japan appear, I know, everybody just files out in a very orderly fashion
and everyone is polite about it and they wait their turn, and you know,
there's not a whole lot of you know, I have to get here
before you kind of thing. No I know. Yeah. Yeah. Now,
by the way, speaking of places to live other than the US,
I have had I actually just recently had this discussion with some friends of mine.
Now we went to dinner, but then before that, I had other
discussions on where people would most likely live or where they like to live.
And there are a ton of Americans who love Costa Rica. They say that's
a wonderful place to live. And there are a lot of Americans now moving
to Mexico remote parts I'm not talking about, you know, like the tourist
attractions. And uh, then Croatia was one that came up. Thailand came
up. Where Americans would go and live where they love living. Oh,
Puerto Rico, although that's kind of America, isn't it. But it's not.
But but I don't know. If I had to pick a spot,
I really don't know what it would be other than America. But your husband
would go to Japan. Huh wow, Hey, Jordan, where would you
go if you had to live outside the US or not? Hadst is like
Japan quite a bit, But Mexico you're asilarly that's something I've been hearing.
Oh well, yeah, well you have roots in Mexico. You know your
your dad grew up there, and you know he grew upward in Mexico City,
one of the biggest cities world. Yeah. And then honestly, uh,
you know as goofy and sounds, I'm the only one, one of
the few in the family don't speak Spanish. To that, that was really
how did you grow up without speaking Spanish? With Joe? Wow? I
know, I my my grandmother. Unfortunately, his mother had passed and and
everybody stops sick of Spanish. Where they got to my sister and myself,
and so I took five years in Spanish. Have you have you been to
his home? Have you been to where he grew up? Did he show
you so? Yes? I had, Yeah, I got been there a
few times, especially when I was younger. Our our family that had lived
in there, don't live there anymore unfortunately. But but I would say Mexico,
I wouldn't tell you live in the city. I'd visit it, but
I would go on the outskirts for the desplatories that you're talking about, like
cobblestone churches, you know, the beautiful of water. Yeah, yeah,
yeah, So so can you explain, Jordan? I thought I did a
good job of doing it, but maybe I didn't because someone just tech and
wants to know. You said, there's a guaranteed account, guaranteed return,
and then there's the index returns you can get and then they compare and you
get the higher of the two. But so you never go to zero or
lower than zero ever. But I'd like to know someone wants to you to
explain the participation rate on the index. Okay, so I thought I explained
it, but why don't you do it? Yeah, the participation is a
great term to be looking at on these the best way to look at it.
And if I can just kind of give you an example. If you
look at like a four to one k regular four one k, you're typically
participating in one hundred percent and that so if you have one hundred thousand,
you get a ten percent return. You know the math that you get ten
thousand dollars eating numbers right. Well, participation with these products, a lot
of them have higher participation, and there are some manuities that go lower than
one hundred percent. But all this means is that if you earn in that
same equation, like one hundred thousand, and you earn ten percent in the
market with our products, there's some that are two hundred and fifty percent participation,
which in that term will give you twenty five thousand. So it just
means more weight on your earnings. The best way to look at it,
so you get, you don't get, you don't get all of it.
They share it with you, and that's their incentive to keep making higher returns.
That would be more the cap in the in the ceiling. But yes,
the participation just means that your money is participating on higher returns potentially or
you can never go lower. But oh I thought the participation man that that
you participate up to a certain amount. No, no, no, good
point. Yeah, that's where the caps are. That is the ceiling the
cap. Okay, then explain explain the caps then, So caps just like
a house, you got a floor and a ceiling. So in our case,
our floor on the again account, Hey, the market side is that
zero percent. You can never go lower than zero, go negative. But
the ceiling is where it's based off of those investment offs with allocations, so
a lot of them have maybe six percent or eight percent or ten percent or
even twenty. But that just means to what you were saying if the market
returned ten and some of those allocations are tapped at eight, well you're not
going anything higher than eight. Take that spread that difference you will, all
right, Yeah, that's we're getting the weeds a little bit. But no,
no, no, no, But I understand what you're saying it.
But I wanted to kind of know that. By the way, as far
as as far as the the difference, there's a cap rate, there's a
participation. By the way, uh three ozho three seven one three talks on
number seven one three eight two five five. There is an interesting move going
on, and I don't know how the market's going to respond to this.
I'm not talking to the stock market. I'm talking about the retail market or
the people making things dumb technology. They say, there is a there there
are a lot of people looking for older technology, or dumb technology, as
they put it, TVs that aren't so smart. Because what they say is
when they buy a TV and it has like the smart hub on it,
they don't necessarily want that. They want to be able. They don't mind
putting a Google TV or a Roku or something on it, but they would
rather have dumb stuff sometimes, or they don't necessarily they're not interested in technology
they don't use and it being there, it's kind of cluttered to them.
And that goes for phones, cars, TVs. So there seems to be
a growing market, and believe it or not, among younger people. And
this was done by Morning Consult. I always talk about these places they do.
They do a lot of surveys and they have found that now younger people
are not necessarily wanting every bell and whistle, and even with a cell phone,
beyond texting and VID, they don't necessarily need a lot of the as
I say, bells and whistles. So I like dumb technology to a certain
extent, and I kind of I understand what they're talking about when they say
that they don't want a lot of stuff they don't use, or a lot
of bloat wear. But anyway, that's an interesting trend and I'm wondering if
the market's going to respond to that. Will we start seeing products with maybe
different levels of technology, you know, so you can get something that's dumb
or something that has everything three oh three seven one three eight two five five.
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seventy three eighty eight. Tom Martinez here three oh three seven to one to
three talk seven one three eight two five five. You know what I found
shocking because I was looking up some scams. I was doing a post on
scams, and it's just that scams are at an all time high. Of
course, a lot of that has to do with technology. In fact,
most of it. Most of the scams are coming from technology. We used
to have scams, you know, like the mail order scams. We used
to have door to door scams. We used to have you know, things
like that. Okay, the driveway paving and all of that. We still
get that right. But most scams, most of them are online. Of
course, we have some phone scams. We still have the you know,
the grandson scam or the grand you know where they grandchild scam where they say
Grandma, this is you know grandma and then they say, is this you
tony as it is? You know, I got arrested or whatever. So
many of these go around, but mostly technology. And what I found really
weird is that with online shopping, this has floored me. Eighty six percent
of the victims are under sixty in fact, a lot of them are eighteen
to forty five. Now wouldn't you think, now, well, maybe the
younger people are more stupid. But now I'm not talking about because there are
more younger people online. I'm not talking about that, and I'm talking about
of the people online, the majority of people being ripped off or in the
age group, eighty six percent are between eighteen and fifty nine. Well,
maybe that's because you're saying, well, that's because older people don't go online.
But anyway, especially the younger, younger people eighteen to like thirty five.
Whereas business scams, business scams sixty and above are more likely, there's
a little edge more. You get more ripped off as you're older for business
scams. For investment scams, way more likely to get ripped off, way
more likely to get ripped off under sixty in your thirties and forties investment scams.
Wow, Jordan, can you imagine that? Now? Why do you
think people in their thirties and forties fall for investment scams? They're trying to
build wealth or something. I mean, that's actually pretty shock and that's statistic.
I'll be honest, I wouldn't have thought it was that I would have
thought older people might be subject to that more, but may I would agree,
But maybe I do see that though a lot more people, you know,
do you want to make money very quick nowadays and you see always ad
on YouTube or social media is on you know, drop shipping or anything that
you can think of in the West and the wind that romance scams are younger
people, believe it or not. I thought that would have been older.
And when I say younger, I mean under sixty, and I mean predominantly
in that in that twenty Now we're talking twenty five to fifty range, which
is a middle eight, well young to middle aged. And then you have
tech support scams that is all older people, almost all of them. I
have a story of one of my clients and I'll share it sometime with you,
and what is it or you know, I would never use names,
but it's been that exact scand the tech scams a Microsoft Sam. Did they
get on her computer with her? Yeah, it was I guess something to
deal with that. They already had had it downloaded on her computer. You
know, the expiration of her security is coming up. They gave her the
number to call and this is the worst thing about Microsoft is their number is
nowhere really online the right number. It all goes to another country, of
course, and so you never know who you're talking to. But they got
her for twice. They got her twice for over almost fifty k oh.
Oh god, I've tried. I've helped her so much to get letters written
to the people of the cutter card companies, a heat luck loan she had.
And they all said, because you know, they were on the phone
with her when she went into the bank asking for the stuff. They all
said, because her physically walking in the bank, and even though the guy
was on the phone. So I don't trust anyone there. Oh, because
later you said it earlier. They get they get scared, they get intimidated
by these guys, and they won't return much of her money because of all
that. It's just it's sad, as expected. Fake check scams and job
scams are younger people. Prize and sweepstakes lotteries are older people. People,
tech support scams, as we said, older people. A government and postors
are almost evenly split. Government and posts like the IRS scams and all of
that. But I was pretty uh, I was pretty surprised by some of
those statistics three zho three seven one three eight two five five. If you
want a personal injury attorney to give you personal attention, you've heard John Fuller
on this show, and right now John says you can call and he'll go
over your case and try to give you an idea of what it is worth.
You know, there are times when a case isn't worth a lot of
money. There are times when collection will be almost impossible. You don't have
the right insurance. They don't have the right insurance. So he's going to
be honest and straightforward with you. But what I like about it is you'll
get to talk to him. In most cases you don't even get to talk
to an attorney. You go to some intake counselors or committee or call center.
So John Fuller, if you want the lowdown on your case, what
is it worth, what are the chances of collecting? What do you think
you can do? What should be my next steps? All of that free
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four two four four nine redrocksars dot com. By the way, the numbers
of Democrats are mounting on who will not attend the Yahoo speech to Congress.
I have a question and I should have done this earlier. Feel free to
text me. I want to know what Jew in their right mind, what
you in the right mind would vote Democrat? They are absolutely abandoning Israel.
Just an observation I made. I want to give out Jordan's a contact info.
But I wanted to ask. Somebody just texted me, why did your
dad say he's got f fifty seven different kinds of annuities fixed index he can
choose from. Why fifty seven that does seem excessive? What does he mean?
Yeah, that's a very good question. So we have access and a
license to all those different companies. They're different companies and so reason being is
just like anything else. A lot of companies, a lot of products or
revolving doors. They are great when you buy it because your grandfathered in to
them, but they could change. Companies could be better next year that we're
not using right now. But the key thing is just age. Some people
might want to take money now, one year, five years, ten years
from now. And that's why you need to have different tools for different clients,
just to be able to fit the right company with the highest payout.
And that's what we do. Run analysis for their age, their payout at
which top three company are going even the most? All right, thank you
very much. Now that's my money Myway dot com three all three seven,
seven nine sixty six hundred my money myway dot com. Thanks to it.
Hey, listen, people don't forget. You could call three all three Martino
anytime, day or night. Get on the list. We'll get you on
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Spread it around, free health, three O three Martina