WEBVTT 1 00:00:00.600 --> 00:00:13.519 Yeah, ripped up need advice, So you don't help, We'll come run 2 00:00:13.560 --> 00:00:18.640 in just as fast as we can. Show the Shooter's gonna help coming. 3 00:00:19.039 --> 00:00:25.920 Man Dix is the Troubleshooter Show. No, Tom Martino, Hi, Tom 4 00:00:25.960 --> 00:00:32.000 Martino here, Welcome to the show. We are here to solve problems. 5 00:00:32.039 --> 00:00:36.880 That's really if you had to give our show a purpose, media with a 6 00:00:36.920 --> 00:00:39.520 purpose, I call it, it's solving problems. That's what we try to 7 00:00:39.560 --> 00:00:43.159 do each and every day. So welcome to the show. The only show 8 00:00:43.159 --> 00:00:46.679 anywhere that does it, recovering hundreds of millions of dollars over the years in 9 00:00:46.719 --> 00:00:50.960 cash, merchandise, exchanges, refunds, and services. Now, sometimes we're 10 00:00:51.000 --> 00:00:54.920 popular, sometimes we're not. It really depends on what side of the fence 11 00:00:54.920 --> 00:00:57.640 you're on. If you want to know about the good people, it's referral 12 00:00:57.640 --> 00:01:02.200 list dot Com that's in ant show, and the commercials here on the show, 13 00:01:02.759 --> 00:01:04.239 most of them are members of the referral List. Of course all of 14 00:01:04.280 --> 00:01:11.000 our endorsements. And then Sleeze Brigade is about just the opposite of Referral List. 15 00:01:11.280 --> 00:01:15.519 Slee's Brigade is the worst of the worst of the worst. And then, 16 00:01:15.560 --> 00:01:19.959 of course, on different forms of social media. I try to publish 17 00:01:19.000 --> 00:01:26.439 posts and videos on stuff and welcome by the way online people and people who 18 00:01:26.519 --> 00:01:30.439 stream, people who download. If you're downloaded this show or this podcast, 19 00:01:30.519 --> 00:01:34.599 you want to get help, It's three oh three Martino, twenty four to 20 00:01:34.599 --> 00:01:38.480 seven. Let's go to the phones. What do you say? Catherine's got 21 00:01:38.519 --> 00:01:45.000 an apartment issue. So Catherine, what's happening? You start things off today? 22 00:01:45.000 --> 00:01:51.200 What's going on? Catherine? By Tom Bye. Yeah, it's a 23 00:01:51.239 --> 00:01:55.640 lot to unpack, but basically, we discovered old behind our couch and our 24 00:01:55.680 --> 00:02:01.200 apartment. Our water heater was leaking for who knows how, and we were 25 00:02:01.239 --> 00:02:06.879 forced to live in a hotel with me, my husband, our dog, 26 00:02:06.959 --> 00:02:12.039 and my six month old baby. And we were also then forced to leave 27 00:02:12.080 --> 00:02:19.080 our lease and spend ten fifteen thousand dollars to move into a new home and 28 00:02:19.360 --> 00:02:22.199 pay for the hotel out of pocket, pay for food out of pocket, 29 00:02:22.240 --> 00:02:27.439 moving costs out of pocket. And we've had absolutely no answers from the apartment 30 00:02:27.479 --> 00:02:31.240 complex, from their corporate office or their insurance. That was a good summary 31 00:02:31.280 --> 00:02:37.319 there, Catherine. So let me ask you a few questions. Okay, 32 00:02:37.879 --> 00:02:43.120 these are important questions. True, were you in the middle of a lease, 33 00:02:44.680 --> 00:02:51.560 yes, and what kind of lease? Like a year long lease? 34 00:02:51.680 --> 00:02:53.439 We had just finned out. How much time did you have left on your 35 00:02:53.520 --> 00:03:00.400 lease? Like six months? Still? Six seven months? Okay? Now, 36 00:03:00.680 --> 00:03:06.759 okay, you were in a one year lease with about eight months left 37 00:03:06.879 --> 00:03:12.120 and when you left? What how did you do it? Exactly? How 38 00:03:12.120 --> 00:03:15.360 did you do it? And I want people listening, people listening to know 39 00:03:15.639 --> 00:03:21.000 there's a proper way to do this. I want to know. Let's go 40 00:03:21.120 --> 00:03:25.879 back. Even, how do you know the mold was the dangerous toxic mold? 41 00:03:28.400 --> 00:03:32.479 Yeah, that's a great question. Actually, so we just happened to 42 00:03:32.560 --> 00:03:38.759 move the couch off the wall and see that there was just this right black 43 00:03:38.879 --> 00:03:44.639 mold growing right. And to me, this has happened before when I was 44 00:03:44.719 --> 00:03:47.479 younger and in our apartment, so I know what mold looks like. Yeah, 45 00:03:47.479 --> 00:03:51.919 but not all mold. Not mold is not great, But not all 46 00:03:51.960 --> 00:03:55.319 mold is that toxic or dangerous, and sometimes it can be easily mitigated. 47 00:03:55.400 --> 00:04:02.159 So this is important. Yeah, so how did you know it was dangerous? 48 00:04:04.479 --> 00:04:09.599 We don't know. Actually, there was no environmental testing done. They 49 00:04:09.680 --> 00:04:14.400 told us that legally they were not required to do any kind of testing. 50 00:04:14.719 --> 00:04:19.680 That's right, Catherine, that's kind of true. Here's the situation. If 51 00:04:19.720 --> 00:04:26.759 you discover and anyone listening, if you discover in a rental mold, you 52 00:04:26.879 --> 00:04:33.959 can't assume it's deadly and break a lease without consequences. Now, I will 53 00:04:34.000 --> 00:04:40.000 tell you the laws are a lot different now, and they favor tenants in 54 00:04:40.120 --> 00:04:46.920 Colorado with our more progressive and liberal government. And I'm not saying this as 55 00:04:46.959 --> 00:04:51.839 a political statement. It's a fact. We have laws now that cater to 56 00:04:53.040 --> 00:05:00.519 tenants. So there are a lot of the courts are pretty lenient on tenants. 57 00:05:00.839 --> 00:05:05.360 You still have to have some kind of reason for breaking a contract. 58 00:05:05.360 --> 00:05:10.720 But I need to know first, how long ago did you leave the apartment? 59 00:05:13.680 --> 00:05:19.720 We left Friday June July nineteenth, okay, July nineteenth. Now when 60 00:05:19.759 --> 00:05:25.920 you left, did you first say and do it through what's called a constructive 61 00:05:25.959 --> 00:05:28.759 eviction? In short, here's what you have to do. You have to 62 00:05:28.759 --> 00:05:31.160 write to the landlord saying we have a situation. It's dangerous, here's why 63 00:05:31.240 --> 00:05:34.600 it needs to be fixed with a reasonable amount of time. And then if 64 00:05:34.600 --> 00:05:39.319 it's not fixed, you're supposed to withhold rent and use that money to fix 65 00:05:39.360 --> 00:05:42.600 it. And if you don't do that, then you leave, and if 66 00:05:42.680 --> 00:05:46.480 you leave, it's a constructive eviction. However, if any of those assertations 67 00:05:46.480 --> 00:05:50.240 you made are incorrect, if the mold is not dangerous, if it's not 68 00:05:50.680 --> 00:05:54.120 in the air, because you don't know any of this, you didn't have 69 00:05:54.120 --> 00:05:59.360 any testing done. It was actually your burden to prove that the landlord was 70 00:05:59.439 --> 00:06:04.879 violating your lease by by a dangerous condition. So I think, I fear. 71 00:06:05.279 --> 00:06:08.800 I fear you did. You did it the wrong way, but that 72 00:06:08.879 --> 00:06:13.639 may not have consequences. As I said, in today's climate, a lot 73 00:06:13.680 --> 00:06:16.759 of landlords are not going after people and letting them go. So are you 74 00:06:16.839 --> 00:06:28.360 in trouble right now? Yeah? What's happening? We well, in other 75 00:06:28.399 --> 00:06:33.399 words, is the landlord coming after you? H No, they're not coming 76 00:06:33.439 --> 00:06:39.160 after us. But we okay, you know, been forced to. Now, 77 00:06:39.480 --> 00:06:44.800 if you're thinking you're going to collect expenses, it's gonna be really, 78 00:06:45.079 --> 00:06:49.680 really difficult because you have zero evidence that. Now, now you understand, 79 00:06:49.720 --> 00:06:54.480 Catherine, I am not saying you did the wrong thing. I am telling 80 00:06:54.519 --> 00:07:00.000 you the facts of life. You have zero evidence that the mold was dangerous. 81 00:07:00.920 --> 00:07:04.519 You have zero evidence mold spores were in the air. You have zero 82 00:07:04.680 --> 00:07:09.959 evidence you had to move and that you couldn't have just had someone come in 83 00:07:10.040 --> 00:07:15.639 and clean it. I mean all of this now, was the water heater 84 00:07:15.839 --> 00:07:19.639 continuing to leak after you discovered the mold or was it a condition that happened 85 00:07:19.680 --> 00:07:27.680 previously? So I had discovered that it was leaking and then did the leak 86 00:07:27.759 --> 00:07:31.759 get fixed? Did the leak get fixed? Yes? But the mold was 87 00:07:31.800 --> 00:07:39.439 still there? Yes? Did you know that if a water leak is stopped 88 00:07:39.959 --> 00:07:44.519 and there is mold, it can be treated one or two times and be 89 00:07:44.600 --> 00:07:50.839 eradicated as long as the food source water is stopped. Did you know that 90 00:07:50.879 --> 00:07:57.639 could happen that that? That's how simple it was. No. I mean, 91 00:07:57.680 --> 00:08:03.399 I guess they just plain that to us they before. Who's who's they? 92 00:08:03.600 --> 00:08:07.079 Who's they Catherine? Who didn't explain it to you? I guess it's 93 00:08:07.079 --> 00:08:11.800 a manager of the leasing office. She just you are. But you assumed, 94 00:08:13.240 --> 00:08:16.639 you assumed it was dangerous for you and your husband and your six month 95 00:08:16.639 --> 00:08:20.439 old baby and your dog, right, I mean yeah, when you're having 96 00:08:20.480 --> 00:08:24.680 health issues that are not explained, what kind of health issues? What kind 97 00:08:24.680 --> 00:08:31.159 of health My husband's been suffering from respiratory issues, especially like upper respiratory issues. 98 00:08:31.240 --> 00:08:35.080 But online, lots of antibiotics, and did a doctor tell him it 99 00:08:35.159 --> 00:08:41.480 was mold related. No, But once we did tell them that we found 100 00:08:41.559 --> 00:08:43.559 mold in our apartment, she said that that could be the cause because it 101 00:08:43.759 --> 00:08:48.639 well, of course it could be, and so could any number of things. 102 00:08:48.879 --> 00:08:52.879 Again, I'm not trying to belittle you. I'm saying it sounds Catherine 103 00:08:52.960 --> 00:08:58.879 like, Okay, if I were how much did you incurrent expenses total adam 104 00:08:58.919 --> 00:09:03.559 up? How much rough to move and all of that? Yeah? Well 105 00:09:05.039 --> 00:09:09.960 yeah, Now that's funny because you really don't get to just do everything, 106 00:09:11.480 --> 00:09:16.559 but extra expenses as a result of the mold. Normal moving expenses are not 107 00:09:16.759 --> 00:09:22.559 extra, but like hotels, extra things like that. If you had to 108 00:09:22.720 --> 00:09:26.759 just put a price on your expenses or what you will call your calling your 109 00:09:26.879 --> 00:09:33.639 damages, how much is it? It was like thirteen fifteen dollars. That's 110 00:09:33.759 --> 00:09:37.679 really really low. That's really low. Here have you asked them for it? 111 00:09:39.320 --> 00:09:43.600 Yeah? Then we told them, you know, we need to the 112 00:09:43.679 --> 00:09:46.440 hotel, the food and all that, and they're like, yeah, our 113 00:09:46.440 --> 00:09:48.919 insurance will reach out to you, and we just haven't heard anything. Here's 114 00:09:48.960 --> 00:09:54.039 the thing again, I don't think you have a strong case, but but 115 00:09:54.240 --> 00:09:56.080 I don't know if the landlord knows you have a strong case. I mean, 116 00:09:56.120 --> 00:10:01.120 the landlord was supposed to be given an opportunity to fix it, or 117 00:10:01.159 --> 00:10:03.720 you could have fixed it. It's called mitigating your loss and then taking it 118 00:10:03.759 --> 00:10:07.799 off the rent. I wish you would have called us when this was happening, 119 00:10:07.120 --> 00:10:09.840 but right now it's too late. You're out. Are you in a 120 00:10:09.879 --> 00:10:16.279 new place right now? Yeah? Excellent? Excellent? So they can't hurt 121 00:10:16.320 --> 00:10:20.399 your credit or hurt your chances of getting another place. You're already in another 122 00:10:20.440 --> 00:10:26.159 place, right, Okay, So that's good. Now what you do, 123 00:10:26.600 --> 00:10:33.000 there's two things. We will have someone contact the landlord to see if they 124 00:10:33.039 --> 00:10:37.759 take responsibility for this. If they ask for evidence, we're going to have 125 00:10:37.799 --> 00:10:41.919 a problem. Right. You have no evidence it was dangerous, You have 126 00:10:41.960 --> 00:10:46.080 no evidence your health was involved because of it. You have no direct evidence 127 00:10:46.120 --> 00:10:48.879 of anything. You don't even know if the mold spores were in the air. 128 00:10:48.240 --> 00:10:52.120 So we can just hope that if we call, they might settle and 129 00:10:52.200 --> 00:10:56.039 pay you something. You're lucky they're not coming after you for the balance of 130 00:10:56.080 --> 00:11:01.080 the lease. So another thing you can do, though, if you feel 131 00:11:01.120 --> 00:11:05.279 strongly about your case, even though you have no evidence, And I don't 132 00:11:05.279 --> 00:11:11.360 know how far you can bs them without them calling your card and saying show 133 00:11:11.399 --> 00:11:15.360 your cards. But you could go to small claims court. I wouldn't go 134 00:11:15.440 --> 00:11:18.080 for fifteen hundred. I would add up more. I would try to make 135 00:11:18.120 --> 00:11:22.840 it at least two grand or more. Go to small claims court and sue 136 00:11:22.919 --> 00:11:28.799 them for damages and tell them it was the result of black mold that they 137 00:11:28.840 --> 00:11:33.519 did not attend to. Do you have pictures of this mold? Yes? 138 00:11:33.360 --> 00:11:39.200 Okay, why don't you do a small claims court? Yeah? And I 139 00:11:39.679 --> 00:11:46.720 have one question though, go ahead. This happened on a Saturday, right, 140 00:11:46.840 --> 00:11:52.320 so you know not the manager doesn't work on the weekend. She wasn't 141 00:11:52.360 --> 00:11:54.720 there. She called the maintenance manager. Which you didn't move out immediately? 142 00:11:54.799 --> 00:11:58.120 Did you the next day? Did you know? We had to just go 143 00:11:58.159 --> 00:12:01.200 to a hotel. So, but what made you think you had to go 144 00:12:01.240 --> 00:12:07.159 to a hotel that day? It just scared my husband and he just thought 145 00:12:07.159 --> 00:12:11.200 we needed to leave and go and so that they can come in and figure 146 00:12:11.279 --> 00:12:15.519 it right, and people get really people get really bent out of shape over 147 00:12:15.600 --> 00:12:18.080 molds. Yeah, yeah, okay, so that's why. So anyway, 148 00:12:18.120 --> 00:12:22.440 it happened on a Saturday. Continue with your question. So it happened on 149 00:12:22.480 --> 00:12:26.600 a Saturday. Then the manager doesn't work. The remediation companies don't work on 150 00:12:26.639 --> 00:12:30.600 the weekends. We had no answers over the weekend, and so the maintenance 151 00:12:30.639 --> 00:12:33.759 man came in and wiped He said that he wiped it off the wall and 152 00:12:33.799 --> 00:12:39.519 then sprayed it with the bleach spray or something without us knowing. So we 153 00:12:39.840 --> 00:12:43.000 couldn't really even get testing done if we wanted to, because they already kind 154 00:12:43.039 --> 00:12:45.799 of came in. Well, no, it would have been good to get 155 00:12:45.799 --> 00:12:48.080 testing done. You could have seen if they killed it. You could have 156 00:12:48.120 --> 00:12:54.399 seen that they killed it or not. It could. What I'm saying is 157 00:12:54.440 --> 00:12:58.679 I think you jumped the gun, But I want you to hold on because 158 00:12:58.759 --> 00:13:01.080 I'm going to have one of our deputies call the landlord to see if they 159 00:13:01.080 --> 00:13:05.600 will do something for you. Let's just see if they'll do something for you. 160 00:13:05.679 --> 00:13:09.799 I mean, and then you might want to consider small claims court. 161 00:13:09.080 --> 00:13:13.919 But I'm telling you personally, I think you're going to lose. I'd not 162 00:13:13.120 --> 00:13:16.720 lose, like I don't think they're going to pay you. What I mean, 163 00:13:18.039 --> 00:13:20.919 I just don't think you're going to get the money. I think the 164 00:13:20.000 --> 00:13:26.000 whole thing was done in haste and I have to take a break, but 165 00:13:26.440 --> 00:13:31.799 it's it's coincidental. On our break, I have someone, Mark Shamansky, 166 00:13:31.120 --> 00:13:37.759 who actually is in the mold detection and remediation business, and when we come 167 00:13:37.840 --> 00:13:41.600 back after the break, what I'd like to do is ask Mark his opinion 168 00:13:41.279 --> 00:13:46.799 on this. Because it was a one time thing, a water heater leak. 169 00:13:46.240 --> 00:13:50.399 They killed it, they treated it. What could have been done to 170 00:13:50.480 --> 00:13:54.320 at least see if it was if it was effective. And I think he's 171 00:13:54.360 --> 00:13:58.720 going to tell you it was a way over reaction, but we'll see. 172 00:13:58.840 --> 00:14:01.600 We got more coming up on the Troubleshooter showwaterpros dot net. The best water 173 00:14:01.679 --> 00:14:07.399 systems, the lower, lowest prices anywhere, purified wonderful water at your kitchen 174 00:14:07.399 --> 00:14:11.279 sink just fourteen hundred dollars fully installed, three oh three eight six two five 175 00:14:11.480 --> 00:14:15.360 five five four. You know, in Colorado, we have a constant struggle 176 00:14:16.000 --> 00:14:20.919 with the exterior of our homes, whether it be wood siding, any kind 177 00:14:20.919 --> 00:14:24.879 of siding, anything on the outside of our home because the sun is so 178 00:14:24.960 --> 00:14:30.720 intense and we're at a high altitude and we have severe weather, so it's 179 00:14:30.840 --> 00:14:35.320 we're on a search all the time for low maintenance and good stuff. So 180 00:14:35.399 --> 00:14:39.440 I want to bring up Genesis Total Exteriors. Mark Schamansky's the owner, and 181 00:14:39.480 --> 00:14:41.679 I've known Genesis for years. They do everything on the outside of your house 182 00:14:41.720 --> 00:14:46.399 from roofing, gutters, siding, stucco, windows, doors, decks. 183 00:14:46.759 --> 00:14:50.720 You'd like to say to that one blue house without problem with Hey, Mark, 184 00:14:52.559 --> 00:14:54.600 I want to talk to you. I want to talk to you about 185 00:14:54.600 --> 00:14:58.799 this new siding. What I was saying is we're always on a search for 186 00:14:58.000 --> 00:15:03.159 siding that that'll hold up in our weather, in our climate and not need 187 00:15:03.320 --> 00:15:11.080 constant maintenance. And I understand that you have some new siding. Tell us 188 00:15:11.080 --> 00:15:13.679 about this new sighting. Yeah, Tom, this new signing just hit the 189 00:15:13.720 --> 00:15:20.440 market. It is called a line. It's a glass reinforced palmer graphite infuse 190 00:15:20.840 --> 00:15:28.519 polystyrene technology. Wow. That's a mouthful basically, isn't it. Though? 191 00:15:28.840 --> 00:15:31.399 Usually when you do vinyl sighting, especially in Colorado, you can only do 192 00:15:31.480 --> 00:15:35.240 colors a white, a light yellow, a light tan. That's you're limited. 193 00:15:35.360 --> 00:15:39.120 That's all you have for colors A light gray. Also, this product 194 00:15:39.120 --> 00:15:45.399 comes in all new new colors, dark, deep grays, blues, reds, 195 00:15:46.039 --> 00:15:50.159 rust colors, it's an amazing product and it comes into the same costs 196 00:15:50.200 --> 00:15:56.840 as a vinyl sighting. Now they say it never ever ever needs any maintenance 197 00:15:56.879 --> 00:16:00.600 of painting. Nothing is that true. And it's more it's moisture resistant and 198 00:16:00.759 --> 00:16:07.720 has a lifetime warranty, lifetime warranty. It also is a Class A fire 199 00:16:07.840 --> 00:16:11.120 rating, which is amazing. I mean, vinyl doesn't have that. Vinyl 200 00:16:11.240 --> 00:16:17.480 just melts off your house if you have a fire. This product is brand 201 00:16:17.480 --> 00:16:21.480 new. It becomes insulated, so it has the insulating board behind it. 202 00:16:21.480 --> 00:16:26.639 It is truly amazing, and it's beautiful, absolutely beautiful. And again, 203 00:16:26.080 --> 00:16:30.399 typically you put vinyl on a house that's you know, a lower end market 204 00:16:30.440 --> 00:16:34.960 house. This product you could put on any house because it's so beautiful and 205 00:16:36.480 --> 00:16:41.399 it's they call it a composite siding. So what actually it Is it like 206 00:16:41.440 --> 00:16:44.600 a vinyl or is it like a plastic or is it a metal? What 207 00:16:44.679 --> 00:16:48.440 is it? Oh, you touch it and it feels it feels like vinyl. 208 00:16:48.519 --> 00:16:52.039 I mean if you touch it. Fiberglass, you know, they call 209 00:16:52.039 --> 00:16:55.519 it fiberglass. They call it a glass reinforced. Is it is it more 210 00:16:55.600 --> 00:16:59.960 rigid? It's yeah, because it has that insulation behind it. Too, 211 00:17:00.120 --> 00:17:03.599 so it's a little bit more rigid. The expansion contraction is minimal, which 212 00:17:03.640 --> 00:17:06.960 is a big deal with vinyl siding. That's why you have the problems with 213 00:17:07.000 --> 00:17:11.480 the heat is expansion contraction. That's where you get bubbling and such. All 214 00:17:11.559 --> 00:17:14.599 right, Hey, Mark, I want to give out your number A line 215 00:17:14.680 --> 00:17:21.079 siding. Look for a glass fibrous reinforced siding and it's three oh three six 216 00:17:21.119 --> 00:17:25.319 seven nine eight five zero nine six seven nine eight five zero nine. And 217 00:17:25.359 --> 00:17:26.359 Mark, hold on, I want to talk to you about that mold coming 218 00:17:26.440 --> 00:17:32.279 up. Genesis tootalexteriors dot com. Hey, if you're looking for countertops right 219 00:17:32.319 --> 00:17:34.480 now, you can get a price on the phone from the Artigranite dot com. 220 00:17:34.519 --> 00:17:38.200 It says granted the name, but they do any natural size a noxiouse 221 00:17:38.240 --> 00:17:42.480 me natural stone or man made countertops, and they'll give you a quote on 222 00:17:42.519 --> 00:17:48.279 the phone. They even give you materials at whostsale. You pay for fabrication 223 00:17:48.359 --> 00:17:52.680 and installation, and then if you can find remnants, they give them to 224 00:17:52.680 --> 00:17:56.920 you free of charge. The Artofgranite dot com three oh three six seven nine 225 00:17:56.960 --> 00:18:00.000 eight five zero nine. Okay, I'm sorry, that's Genes. Here here's 226 00:18:00.160 --> 00:18:03.960 the artogran at dot com three oh three three eight six fifty nine nineteen. 227 00:18:03.000 --> 00:18:07.160 Get a price right now on the phone three oh three three eight six fifty 228 00:18:07.240 --> 00:18:11.279 nine nineteen. And if you're in an accident and you need help because you're 229 00:18:11.319 --> 00:18:15.279 injured, you think you've been injured, maybe seriously, you don't know what 230 00:18:15.319 --> 00:18:18.200 to look forward to, you don't know what is going on, You can 231 00:18:18.240 --> 00:18:22.240 call John Fuller and get a get an evaluation of your case. He'll tell 232 00:18:22.279 --> 00:18:25.440 you what he really honest to God, based on his experience, thinks that's 233 00:18:25.480 --> 00:18:27.799 worth. He'll tell you what he thinks he can do to collect. He'll 234 00:18:27.839 --> 00:18:30.799 ask you about insurances, he'll ask you about the other party. He'll give 235 00:18:30.799 --> 00:18:34.240 you free advice. All of this complimentary. If you decide to hire him. 236 00:18:34.400 --> 00:18:37.599 It's on a percentage fee basis, never ending out of pocket money. 237 00:18:37.799 --> 00:18:42.480 And then you decide if you hire him, then he gives you a cell 238 00:18:42.519 --> 00:18:47.720 phone number you can call her text at anytime, and you become a client 239 00:18:47.799 --> 00:18:51.799 with personal communication with the lead attorney. No one else does it. That's 240 00:18:52.200 --> 00:18:55.160 Fuller Law, John Fuller f U L E. R. Of course, 241 00:18:55.160 --> 00:18:57.559 he's on our referral list at referral list dot com John Fuller. You can 242 00:18:57.559 --> 00:19:02.000 call right now find out out what your cases were. Three oh three five 243 00:19:02.160 --> 00:19:10.240 nine seven forty five hundred five nine seven four five zero zero. Hi Tom 244 00:19:10.279 --> 00:19:14.480 Martine, your troubleshooter. Three oh three seven one three talks seven one three 245 00:19:14.519 --> 00:19:18.160 eight two five five. So anyway, let's go to So Catherine said that 246 00:19:18.240 --> 00:19:22.119 there was mold in her apartment. Mark Schumansky, I want to ask real 247 00:19:22.200 --> 00:19:27.359 quick from Genesis, he does mold detection and mitigation. If she had a 248 00:19:27.440 --> 00:19:33.319 leaky water heater and then discovered it and they stopped the leak, and then 249 00:19:33.359 --> 00:19:41.240 she noticed behind the couch there was black mold. And the apartment house said 250 00:19:41.240 --> 00:19:45.440 they cleaned it and sprayed it with some clarox or whatever they said they cleaned 251 00:19:45.440 --> 00:19:51.279 it with, Mark, am I to believe that no matter what kind of 252 00:19:51.319 --> 00:19:56.000 mold it is, if you stop the source, and if it's not you 253 00:19:56.000 --> 00:20:00.640 know, all over the apartment or inside the walls, you can just treat 254 00:20:00.680 --> 00:20:02.640 it and get rid of it, right. I mean, it's not like 255 00:20:02.720 --> 00:20:07.440 impossible to get rid of That's correct, Tom, I mean you can. 256 00:20:07.000 --> 00:20:11.119 You got You should clean it up properly. You shouldn't be spraying it with 257 00:20:11.200 --> 00:20:15.599 a chlorox or light solt. Yeah, you know, I think I heard 258 00:20:15.640 --> 00:20:18.440 earlier in some kind of bleach. You know, basically you should, you 259 00:20:18.480 --> 00:20:21.440 know, use bleach water at least wipe it down. Never use a spray 260 00:20:21.440 --> 00:20:25.640 because then you're spreading the spores when you do that. But yes, it 261 00:20:25.720 --> 00:20:30.839 can be cleaned and and treat it, yes, I mean the best way 262 00:20:30.880 --> 00:20:36.240 is to kill it and then next encapsulate it and you know, just so 263 00:20:36.359 --> 00:20:38.680 it doesn't come back or that stops that food source from there. But yeah, 264 00:20:38.720 --> 00:20:41.799 you stop the water and that stops the mold from growing for sure. 265 00:20:42.640 --> 00:20:52.920 Now, and if you see black mold, it doesn't automatically mean that it's 266 00:20:52.039 --> 00:20:59.359 in your uh, in your air either does it the spores well, I 267 00:20:59.359 --> 00:21:03.200 mean if yeah, when once it turns fuzzy is when it starts to spread. 268 00:21:03.880 --> 00:21:07.279 And of course you don't want to get that close to cel it's this 269 00:21:07.400 --> 00:21:11.599 fuzzy, fuzzy mold. But that's when the scores start to populate and go 270 00:21:11.680 --> 00:21:14.240 into the air. And the best thing to do is to do an air 271 00:21:14.319 --> 00:21:18.839 test is where you there's a control sample outside the building and you do a 272 00:21:18.920 --> 00:21:23.319 sample inside the building. And you know, that's a relatively and expensive test 273 00:21:23.400 --> 00:21:27.559 to do to see if it is dangerous, because there's eight hundred different types 274 00:21:27.599 --> 00:21:33.319 of black mold, and they're not all toxic or dangerous. I mean, 275 00:21:33.359 --> 00:21:37.119 although some correct can have sensitivities to them. They may not kill them, 276 00:21:37.160 --> 00:21:40.839 but they could. Even if it's not toxic, you could still have a 277 00:21:40.920 --> 00:21:45.640 sensitivity to it. Correct. Yeah, some people do, like it's never 278 00:21:45.680 --> 00:21:49.599 bothered me, but some people, yes, right there. You know, 279 00:21:49.799 --> 00:21:53.000 some guy claims that he walks into a house, he knows there's mold in 280 00:21:53.000 --> 00:21:56.440 the house, even before he's even seen it. I know, I know. 281 00:21:56.279 --> 00:22:00.799 I mean that's a sensitivity. Now, here's the deal again. You 282 00:22:00.839 --> 00:22:07.000 know, it's it's a matter of what can be done in other words, 283 00:22:07.279 --> 00:22:11.279 and it's not. Here's here's what I'm getting at Mark. In the past. 284 00:22:11.400 --> 00:22:15.640 It's almost as if, for God's sakes, people want the house torn 285 00:22:15.720 --> 00:22:22.440 down. I mean, I think they over exaggerate the extent at which people 286 00:22:22.559 --> 00:22:26.759 have to go through to clean it. I do believe it's a little exaggerated. 287 00:22:26.799 --> 00:22:30.279 I'm not saying it shouldn't be done properly, but I think it's a 288 00:22:30.279 --> 00:22:34.279 little exaggerated. I mean, these people saw it and left that night, 289 00:22:34.640 --> 00:22:37.359 left that day. I mean they didn't stay in another day, they went 290 00:22:37.359 --> 00:22:42.599 to a hotel and moved out. Right, Yeah, I mean I agree 291 00:22:42.640 --> 00:22:47.599 with you. It is overblown. Along with asbestos and lead paint. I 292 00:22:47.599 --> 00:22:49.359 mean all these things. Are they dangerous? Yes. Do you need to 293 00:22:49.359 --> 00:22:52.440 take care of it properly, yes, But you're not gonna just typically. 294 00:22:52.440 --> 00:22:56.920 You're not gonna just die because you saw it right right right, I get 295 00:22:56.920 --> 00:22:59.319 it. I get it. It would have been even if even if you're 296 00:22:59.319 --> 00:23:02.480 renting to play, to spend less than five hundred bucks to have a couple 297 00:23:02.519 --> 00:23:07.279 of air samples test done, then you have the documentation behind you to say, 298 00:23:07.319 --> 00:23:10.880 oh, this is the reason I'm moving out because look I do have 299 00:23:10.960 --> 00:23:15.119 hold in my building, or you find out you don't. Thank you Mark 300 00:23:15.160 --> 00:23:18.279 Mark Swanski, as I said, he's with Genesis Total Exteriors, And in 301 00:23:18.319 --> 00:23:25.920 addition to doing his you know, in his regular work on the exterior home 302 00:23:25.960 --> 00:23:29.079 and all of your storm damage and all of that and siding and windows and 303 00:23:29.079 --> 00:23:34.440 stuccoing all that, he also does of course mold detection and mitigation and eradication. 304 00:23:36.160 --> 00:23:40.400 And that's good to know. And now we have April who's calling about 305 00:23:40.480 --> 00:23:44.319 a landlord issue as well. April, what's going on with you? April 306 00:23:44.960 --> 00:23:51.079 April. Hello, Hi, I'm calling to see if I can get any 307 00:23:51.559 --> 00:23:55.440 help with my twenty three year old daughter. Okay, what's going on with 308 00:23:55.480 --> 00:24:00.799 her? Okay? So she has sound a leaf for Uh. It's an 309 00:24:00.799 --> 00:24:06.160 actually a house in Colorado Springs. She moved from Pueblo to get a job 310 00:24:06.279 --> 00:24:14.640 up there. Yeah, and after the second week they started to well, 311 00:24:14.759 --> 00:24:19.079 her landlord lives in Texas, but her landlord's fiance lives there as well. 312 00:24:19.119 --> 00:24:26.799 There's three When did she sign the lease on June the fourth? Okay, 313 00:24:26.000 --> 00:24:32.720 so go ahead, go ahead. Continue. So within two to three weeks 314 00:24:32.759 --> 00:24:38.240 they asked her to leave within thirty days. That they why mail her? 315 00:24:40.160 --> 00:24:45.839 Well, they say that she lives leaves dishes in the sink. Wait a 316 00:24:45.880 --> 00:24:47.599 minute, Wait a minute, Wait a minute, wait a minute, she 317 00:24:47.680 --> 00:24:51.440 leaves dishes in the sink. This is a single family home she's renting, 318 00:24:52.000 --> 00:24:57.119 correct, And how do they know she leaves dishes in the sink? They're 319 00:24:57.119 --> 00:25:03.440 taking pictures of it? What are they coming into her home? No, 320 00:25:03.440 --> 00:25:07.720 No, there's three other roommates. They share the kitchen. Oh wait a 321 00:25:07.799 --> 00:25:12.240 minute, So this home is rented to three separate people that don't know each 322 00:25:12.240 --> 00:25:18.799 other four all together. Okay? Oh, okay, So she actually signed 323 00:25:18.799 --> 00:25:26.039 a lease for a home with four unrelated people, I mean four people that 324 00:25:26.559 --> 00:25:30.519 are not on the lease together. They all are kind of renting a room 325 00:25:32.079 --> 00:25:36.319 separately. Yes, correct, they all have their separate lease. Okay, 326 00:25:37.079 --> 00:25:41.039 I get it. So the other three or some of them must have complained 327 00:25:41.079 --> 00:25:45.799 to her, I mean to the landlord. Well, her fiance lives there. 328 00:25:47.799 --> 00:25:51.839 He's one of the roommates. Is the fiance complaining about her too? 329 00:25:52.119 --> 00:25:57.559 Correct? Wait a minute, her own fiance wants her out? Yes, 330 00:25:59.079 --> 00:26:03.799 that's the problem. What okay, wait a minute, does the fiance know 331 00:26:04.720 --> 00:26:12.680 the landlord. It's the landlord's fiance that's living there. Wait, my daughter 332 00:26:12.720 --> 00:26:17.319 lives there alone. She's pregnant. Okay, hold on, I gotta get 333 00:26:17.480 --> 00:26:22.839 your daughter lives there with three other roommates. Is that right, right? 334 00:26:22.640 --> 00:26:32.720 And the landlord is her fiance. No, the landlord fiance lives in one 335 00:26:32.759 --> 00:26:37.720 of the rooms. Oh I'm sorry. Okay, okay, So the landlord's 336 00:26:37.759 --> 00:26:42.559 girlfriend or whatever fiance lives in one of the rooms. Your daughter lives in 337 00:26:42.559 --> 00:26:48.079 one of the rooms, and then two other people live there. Correct? 338 00:26:48.559 --> 00:26:53.039 Okay, Now, what does the least say about this, it's possible that 339 00:26:53.640 --> 00:26:59.440 it has some terms and conditions that she's not living up to. And are 340 00:26:59.480 --> 00:27:03.279 the other tenants also wanting her out of there? In other words, are 341 00:27:03.279 --> 00:27:07.160 they ganging up on her? They are, Oh, okay, hold on, 342 00:27:07.720 --> 00:27:10.599 this is weird. Hold on and we'll talk about this coming up. 343 00:27:10.640 --> 00:27:14.400 I'm Tom Martine. You know, I can't say enough about my whole house 344 00:27:14.440 --> 00:27:18.519 fan. That's a fan that is mounted in my attic, but it's a 345 00:27:18.680 --> 00:27:22.880 house fan. It pulls air through my home and destratifies the air. That 346 00:27:22.920 --> 00:27:27.079 means it evens out the temperatures by getting rid of the extreme heat above and 347 00:27:27.079 --> 00:27:30.839 bringing cooler air from below. And no matter what the weather's doing, it 348 00:27:30.960 --> 00:27:37.720 does even out temperatures, which helps your air conditioner work less. It's that 349 00:27:37.839 --> 00:27:40.440 easiest. We'm all controlled. There's no wiring in the walls. It takes 350 00:27:40.440 --> 00:27:45.160 an hour and a half to put in and get this. Man, you'll 351 00:27:45.200 --> 00:27:48.160 save money. It'll pay for itself because of the money you'll save with air 352 00:27:48.160 --> 00:27:52.559 conditioning. Now your air conditioning works less, your house feels better, and 353 00:27:52.599 --> 00:27:56.359 I love it. I just can't say enough. As I said, it's 354 00:27:56.400 --> 00:28:00.000 one of the best products I've ever purchased. QC co Colorado dot com. 355 00:28:00.000 --> 00:28:04.920 Get yours and you'll be thanking me for it. That's QC Colorado dot com. 356 00:28:04.960 --> 00:28:11.039 The number is three oh three, eight hundred and thirty four nineteen yep. 357 00:28:11.359 --> 00:28:15.839 Okay, Now what about this season? What I mean is the days 358 00:28:15.880 --> 00:28:18.519 are longer, a lot of people go out after work. A lot of 359 00:28:18.559 --> 00:28:22.880 people make the mistake of drinking one too many, sometimes a lot too many. 360 00:28:22.920 --> 00:28:27.440 Sometimes they don't drink that much, but they miscalculate. Here's the deal. 361 00:28:29.039 --> 00:28:32.880 If you're smoking weed, if you're drinking, if you're partying and then 362 00:28:32.920 --> 00:28:37.799 you're driving, you got problems. Now, sometimes I'll ADMSS. Sometimes you 363 00:28:37.880 --> 00:28:42.640 might have you might have gotten falsely accused. Sometimes there's extenuating circumstances. But 364 00:28:42.759 --> 00:28:47.720 here's the deal. If you need a criminal defense attorney, and that's what 365 00:28:47.759 --> 00:28:51.200 you need, then Joelazara is your man. Because Joe will take care of 366 00:28:51.200 --> 00:28:53.359 you, He will talk to you, he will help represent you. Don't 367 00:28:53.359 --> 00:28:57.519 go through the system alone. It's just too complicated to do. Joela's earra. 368 00:28:59.039 --> 00:29:03.480 Now you can find Lazara Lazzar at referrals dot com or you can give 369 00:29:03.519 --> 00:29:07.960 them a call. That's Lazara Legal three oh three four two nine sixty two 370 00:29:08.039 --> 00:29:12.640 hundred free initial consultations and flat rate pricing three O three four two nine sixty 371 00:29:12.680 --> 00:29:21.519 two hundred. Helon, I'm Tom Martino, remember three oh three Martinos? 372 00:29:21.519 --> 00:29:23.920 Then under the work's twenty four to seven for your help. Now, April's 373 00:29:25.000 --> 00:29:30.279 daughter is uh isn't a place twenty three years old with other roommates. And 374 00:29:30.640 --> 00:29:36.519 this is a weird situation because she rents the room in a house along with 375 00:29:36.599 --> 00:29:40.759 three others. But if the three others are saying she's sloppy and doesn't do 376 00:29:40.839 --> 00:29:45.960 her dishes, and there might be more that we're not hearing about, I'm 377 00:29:45.960 --> 00:29:49.920 not sure what the lease says about that. So they're asking her to move. 378 00:29:51.680 --> 00:29:56.839 Did they cite any terms of the lease April about saying your daughter? 379 00:29:56.240 --> 00:30:02.720 No, shay, They have not at all. The first time they asked 380 00:30:02.759 --> 00:30:07.599 her to do her dishes, and when she didn't respond right away, the 381 00:30:07.680 --> 00:30:15.240 landlord wanted to contact me. And she lives in Texas, and she told 382 00:30:15.319 --> 00:30:19.400 me, wait, you talked to the landlord, She asked for me. 383 00:30:19.480 --> 00:30:23.519 Yes, she got me involved. Who did the landlord? I'm not on 384 00:30:23.559 --> 00:30:26.839 the leaf. I'm not on the leaf. But your daughter asked you to 385 00:30:26.880 --> 00:30:32.039 talk to the landlord. No. No, the landlord asked to talk to 386 00:30:32.079 --> 00:30:36.920 me. Why I don't know, I asked her, why or you want 387 00:30:37.039 --> 00:30:40.720 to talk to me? I have everything writing. You have an adult dogter 388 00:30:40.880 --> 00:30:45.200 so why it's weird landlord would say, I want to talk to your mom. 389 00:30:45.680 --> 00:30:49.079 Yeah, exactly, Well, she told me I have it in the 390 00:30:49.160 --> 00:30:52.079 text that she did tell me that, in fact, that she knew my 391 00:30:52.200 --> 00:30:57.039 daughter was home because her fiance heard her in the kitchen, and that my 392 00:30:57.160 --> 00:31:03.519 daughter was not being an adult by not answering her anyway. Where are we 393 00:31:03.599 --> 00:31:07.640 going with this? What did the landlord say? Well, she said that 394 00:31:07.839 --> 00:31:11.400 Destiny should put in her thirty day notice, and Destiny said, I can't 395 00:31:11.400 --> 00:31:14.480 do that. I don't have a place to go. You're going to, 396 00:31:14.640 --> 00:31:17.240 you know, have to tell me what I did to break the lease. 397 00:31:17.720 --> 00:31:22.640 Yes, of course, and go through the court. And so she actually 398 00:31:22.039 --> 00:31:29.680 came in from Texas. And you have to understand that my daughter is socially 399 00:31:29.720 --> 00:31:36.119 awkward and pregnant, and she told my daughter that her lawyer was going to 400 00:31:37.400 --> 00:31:41.920 have some form to make my daughter leave by the fifteenth of August, and 401 00:31:41.960 --> 00:31:45.920 she hasn't. We're listen, she can proceed with an eviction. But she 402 00:31:45.000 --> 00:31:51.200 has to have a reason, a legal reason, right she does, she's 403 00:31:51.200 --> 00:31:53.960 not fating a legal reason, and she refuses to go to the court. 404 00:31:55.200 --> 00:32:00.480 So when no one was around, she came in because her fiancee live there, 405 00:32:00.000 --> 00:32:05.720 and told my daughter that she has to sign this form that her lawyer 406 00:32:05.799 --> 00:32:07.799 is going to type up, saying that she has to leave by the fifteen. 407 00:32:08.599 --> 00:32:13.200 Well, she well did your daughter. Your daughter didn't get pressured into 408 00:32:13.240 --> 00:32:16.759 signing it, did she? I told her not to sign it. We 409 00:32:16.799 --> 00:32:22.240 need to get Brad O'Brien on just I'm going to see if he can come 410 00:32:22.279 --> 00:32:28.480 on and talk about this. So hang on all right, Yeah, see 411 00:32:28.480 --> 00:32:30.880 if he can come on Ka China, and then we'll, uh, we'll 412 00:32:30.880 --> 00:32:35.319 work on that because I want to ask him some general questions on it. 413 00:32:37.680 --> 00:32:43.799 Carl, What question do you have about coins? Carl? I just thank 414 00:32:44.799 --> 00:32:49.319 yeah, I've got some old coins and I just want to find a place 415 00:32:49.359 --> 00:32:54.640 that will evaluate them. Rocky Mountain coin, Klaus, Okay, one guy, 416 00:32:54.720 --> 00:32:59.920 now listen, I have no affiliation with him. I've known him for 417 00:33:00.119 --> 00:33:07.279 years. But also I would use Mark and Mark Machowski is that budget a 418 00:33:07.400 --> 00:33:14.240 one transmission and auto repair now Mark is also a coin dealer and silver and 419 00:33:14.279 --> 00:33:17.720 gold. He's really smart and I think you can trust him as well. 420 00:33:19.920 --> 00:33:24.920 And I mean I don't think what's that, sir. I think I remember 421 00:33:25.000 --> 00:33:29.480 him when you yeah, from car day. Now I want to say something. 422 00:33:30.480 --> 00:33:31.599 When I said I think you can, I mean I know you can 423 00:33:31.680 --> 00:33:37.680 trust him. I didn't mean to sound qualified, but anyway, he's pretty 424 00:33:37.759 --> 00:33:44.680 damn good. Now we also have someone else here in Colorado Springs called Hollandbeck 425 00:33:46.640 --> 00:33:54.559 and it's coin It's called the coin gallery. And I think they do that. 426 00:33:54.759 --> 00:33:59.640 Yeah, they buy and sell and trade collectible coins. They're in Colorado 427 00:33:59.640 --> 00:34:07.720 Springs. It's called Holland Beck Coin Gallery. I think that number down there 428 00:34:07.799 --> 00:34:15.599 is seven to one nine six three four three three one three, and then 429 00:34:15.639 --> 00:34:20.639 there's but as I said, budget A one transmission and auto repair. I 430 00:34:20.719 --> 00:34:22.880 was going to try to get that number for you, but I have to 431 00:34:22.920 --> 00:34:27.280 take this break. Budget. Let me find him. Yeah, there he 432 00:34:27.360 --> 00:34:30.039 is. Hold on. So so that's Mark and he's at three oh three, 433 00:34:30.960 --> 00:34:39.760 uh seven eight one nine eight five eight And any one of those will 434 00:34:39.800 --> 00:34:44.119 help you, or or get get all three to kind of help you and 435 00:34:44.199 --> 00:34:45.440 see what you like. Three oh three seven, one, three, eight, 436 00:34:45.480 --> 00:34:47.559 two five five, got more coming up. I want to tell you 437 00:34:47.559 --> 00:34:52.920 something, Uh Genesis Total Exteriors. As you heard that, somebody wants to 438 00:34:52.960 --> 00:34:55.119 know do they do painting? Yes, they do, by the way, 439 00:34:55.360 --> 00:34:59.800 because I had him on the show and people ask me that question by text, 440 00:35:00.079 --> 00:35:01.599 So I just wanted to let you know that. Also eight eight eight 441 00:35:01.679 --> 00:35:06.880 Heating dot Com in this extreme heat will do free second opinions. I if 442 00:35:06.880 --> 00:35:09.639 someone tells you you need a new AC, they're honest, good people and 443 00:35:09.679 --> 00:35:15.119 they have high efficiency systems. That's eight eight eight Heating dot Com. Hey, 444 00:35:15.280 --> 00:35:20.840 if you are in trouble with a flood, a broken pipe, a 445 00:35:20.880 --> 00:35:23.159 fire, maybe a fire in the neighborhood, you have smoke damage, maybe 446 00:35:23.159 --> 00:35:30.119 you discovered black mold, or you've discovered asbestos, or an unattended death. 447 00:35:30.800 --> 00:35:36.360 You know, these things are called property catastrophes. You need a restoration company 448 00:35:36.719 --> 00:35:40.400 to get rid of the dangerous stuff or you'll devalue your property and then you 449 00:35:40.440 --> 00:35:45.320 need help sometimes rebuilding, depending on the damage. And American Restoration is the 450 00:35:45.320 --> 00:35:50.599 company I recommend. Now, your insurance company usually pays for this, but 451 00:35:50.639 --> 00:35:53.440 they only pay once, so if you get the wrong company upfront, you're 452 00:35:53.480 --> 00:35:57.960 going to be screwed because they're not going to pay again. So I recommend 453 00:35:58.440 --> 00:36:04.039 American Restoration to one four seven. Rock and his team have the knowledge, 454 00:36:04.079 --> 00:36:08.360 know how, EPA certifications, insurance and background to do it right. Eight 455 00:36:08.400 --> 00:36:15.360 three three seven am rest eight three three seven am rest. Hey. Red 456 00:36:15.480 --> 00:36:21.039 Rocks, Roof and Solar the people that I love for solar because they do 457 00:36:21.159 --> 00:36:25.320 it all from sales installation service. They also do financing. They know I 458 00:36:25.320 --> 00:36:29.639 mean, they hook you up with financing. They know about tax credits. 459 00:36:29.800 --> 00:36:34.920 They even have grant writers available for the REAP grants. Those are for commercial 460 00:36:35.000 --> 00:36:38.400 systems that you may want to put in and get paid for by the government, 461 00:36:38.559 --> 00:36:42.440 a grant you don't have to pay back. Now, those are the 462 00:36:42.519 --> 00:36:49.119 incentives people are offering small business to put in solar. Redrocksars dot com will 463 00:36:49.119 --> 00:36:53.320 get you more information on any solar system, commercial or residential. Good people 464 00:36:53.360 --> 00:37:00.159 I know and trust three zero three seven zero four two four four nine. 465 00:37:00.719 --> 00:37:07.800 Now let's talk about renew Home Innovations dot com. The people that I know 466 00:37:07.880 --> 00:37:12.840 and trust for your beautiful shower conversion. Get that tub and get rid of 467 00:37:12.880 --> 00:37:15.840 that old tub and shower combo, that ugly thing you have to step over, 468 00:37:15.880 --> 00:37:20.400 get rid of the doors and the curtains. They put up glass panels 469 00:37:20.480 --> 00:37:24.079 with no doors needed, no thresholds to stumble older over. You have glass 470 00:37:24.199 --> 00:37:29.280 excuse me, a stone resin walls with no maintenance. They do it in 471 00:37:29.280 --> 00:37:30.920 two or three days, and you have seventy two months to pay with no 472 00:37:31.039 --> 00:37:35.480 interest. No one offers such a great deal. Three oh three nine zero 473 00:37:35.599 --> 00:37:44.559 four two thousand, nine zero four two thousand renew home Innovations dot Com Night. 474 00:37:44.679 --> 00:37:46.679 Tom Martine out here at three O three seven on three talks seven on 475 00:37:46.760 --> 00:37:51.639 three A two five five. Brad O'Brien is on. He's a real estate 476 00:37:51.679 --> 00:37:55.360 attorney and our expert on the show for real Estate Matters, and Brad, 477 00:37:55.400 --> 00:38:01.480 we don't have access to the exact lease. But but but it sounds like 478 00:38:01.559 --> 00:38:06.440 they probably don't have the grounds they need because they're asking her to sign something. 479 00:38:06.519 --> 00:38:08.960 Let me, let me just lay it out. This one girl is 480 00:38:09.039 --> 00:38:15.239 renting a room with three other roommates. Each of them have their own lease 481 00:38:15.400 --> 00:38:22.599 for this house April. Each of them have their own lease. They each 482 00:38:22.639 --> 00:38:30.599 have a room and what do they have? Kitchen privileges and living uh area 483 00:38:30.800 --> 00:38:35.039 and a backyard, a backyard common living area and they each have a room 484 00:38:35.079 --> 00:38:38.599 and they share a bathroom. Now, your daughter was in there for just 485 00:38:38.679 --> 00:38:44.440 three weeks and then they asked her to leave. But they're asking her to 486 00:38:44.480 --> 00:38:50.079 sign something. We're running out of time, Brad. Can they just evict 487 00:38:50.199 --> 00:38:57.440 if they like voter out not want her? No pick? So it's a 488 00:38:57.440 --> 00:38:59.800 matter of lease. I'm sure you're gonna tell us. Do you have a 489 00:39:00.119 --> 00:39:01.920 be in the least April, Brad, if you can hang on or we'll 490 00:39:01.920 --> 00:39:06.199 call you right back. I'd like to discuss this about roommates. Hold on, 491 00:39:07.639 --> 00:39:21.159 yeah, ripped off news. You need that so you don't have come 492 00:39:21.320 --> 00:39:28.960 running, just as as the can shooter's gonna help coming. This is the 493 00:39:29.159 --> 00:39:35.840 Troubleshooter Show. No Tom Martino, Hello Tom Martino here, listen what the 494 00:39:36.119 --> 00:39:42.159 heck is going on in your life and what you need to do. I've 495 00:39:42.280 --> 00:39:47.440 noticed a trend, sometimes not not necessarily today, but the trend is many 496 00:39:47.480 --> 00:39:52.320 times people wait too long to call, or they go about something the wrong 497 00:39:52.480 --> 00:39:59.280 way, and we're able to help them. We're able to help them if 498 00:39:59.280 --> 00:40:04.320 they had called sooner. Sometimes it's too late, like the people who move 499 00:40:04.400 --> 00:40:08.960 down to their apartment because they saw mold, and Brad O'Brien, I wanted 500 00:40:09.000 --> 00:40:12.280 to talk to you about that, and I wanted to talk to you about 501 00:40:12.280 --> 00:40:16.760 this new dispute with the landlord and just get some general advice. Brad O'Brien 502 00:40:16.880 --> 00:40:22.519 is olslaw dot com. They do real estate law of all kinds, of 503 00:40:22.519 --> 00:40:28.119 course, not just renting stuff, but they do like reviewing documents and border 504 00:40:28.159 --> 00:40:34.039 disputes and eminent domain or easeman's. They do other things too, like you're 505 00:40:34.039 --> 00:40:37.840 buying a home with people, you're doing a partnership and it's not your spouse, 506 00:40:37.960 --> 00:40:43.639 or you're doing owner financing. Any kind of real estate transaction they can 507 00:40:43.679 --> 00:40:46.519 help with. And I'll give you his number in a minute. But Brad, 508 00:40:46.639 --> 00:40:50.400 here's the deal on this one. I just want to go back to 509 00:40:50.440 --> 00:40:54.599 this one. This woman saw black mold behind the couch. She and her 510 00:40:54.639 --> 00:40:59.280 husband, they have a six month old baby, and they just left. 511 00:40:59.519 --> 00:41:01.800 They went to a hotel. They left, They went to a hotel and 512 00:41:01.960 --> 00:41:07.079 the mold came from a water heater leak that had been fixed. So the 513 00:41:07.159 --> 00:41:10.840 leak was fixed, and then they left and never went back to the place 514 00:41:12.239 --> 00:41:15.880 except to pack up their stuff and leave. And I said, I don't 515 00:41:15.880 --> 00:41:20.280 think you did that properly as far as the constructive eviction. You didn't give 516 00:41:20.320 --> 00:41:22.599 the landlord a chance to fix it. You didn't have any proof it was 517 00:41:22.639 --> 00:41:27.239 in the air or it was even dangerous. Do you agree with that, 518 00:41:27.280 --> 00:41:29.920 Brad, when it comes to that kind of thing, or do you say 519 00:41:30.400 --> 00:41:32.239 the laws maybe might be more lenient? Now? What do you think? 520 00:41:32.920 --> 00:41:37.320 Yeah? I kind of really it does need to give a landload notice a 521 00:41:37.599 --> 00:41:40.599 defective condition that makes it not happitable and paid for the trail, and give 522 00:41:40.639 --> 00:41:47.559 the land plan of opportunity to to fix it or not fix it before before 523 00:41:47.599 --> 00:41:52.480 actually just leaving. It sounds like they didn't take the right steps and so 524 00:41:52.519 --> 00:41:54.559 they're probably still they didn't. They didn't validly terminate the lease, and they're 525 00:41:54.559 --> 00:41:58.599 still on the hook for the lease. That's what it sounds like. Now 526 00:41:59.079 --> 00:42:02.400 let's go to April. Her daughter moved in with four other people. Three 527 00:42:02.440 --> 00:42:07.360 other people. Now, April, did you you didn't see the lease? 528 00:42:07.480 --> 00:42:13.519 Right? But apparently they did. They did not quote a violation of the 529 00:42:13.599 --> 00:42:16.840 lease when they asked your daughter to leave. There's four roommates. They each 530 00:42:16.880 --> 00:42:21.639 have their own deal, so they're renting out a room and common area. 531 00:42:22.039 --> 00:42:25.320 When a landlord does this, they have a lease and then they want to 532 00:42:25.360 --> 00:42:29.519 get rid of somebody, they have to say, here's why. So when 533 00:42:29.559 --> 00:42:34.760 the landlord said we want you to move, and they said, well by 534 00:42:34.760 --> 00:42:37.920 the end of the month, what did they tell her? Okay, so 535 00:42:38.159 --> 00:42:45.159 they said birthday said that stop doing other people's dishes, and so she did 536 00:42:45.760 --> 00:42:49.840 stop doing other people's dishes. Ye, so there was nothing. There was 537 00:42:49.960 --> 00:42:52.639 nothing. So when I talked to her, I said, what did she 538 00:42:52.719 --> 00:42:57.199 break on the lease? And she had no answer for that, and so 539 00:42:57.400 --> 00:42:59.719 I said, I'll see you in court. And then I had to block 540 00:42:59.800 --> 00:43:04.320 her because I'm on my mama there. I mean, I was getting way 541 00:43:04.360 --> 00:43:07.440 too into it, so I had to actually block. But can they give 542 00:43:07.480 --> 00:43:12.360 your daughter written notice you have to leave? No, they have not. 543 00:43:12.679 --> 00:43:16.119 They said they were going to email her at thirty day notice. She said, 544 00:43:16.159 --> 00:43:21.639 take me to court. I didn't break the lease. Tell me how 545 00:43:21.679 --> 00:43:27.280 I broke the lease. Then Alicia came in from Texas, and I don't 546 00:43:27.320 --> 00:43:30.079 know what she said to my daughter, who is very she gets intimidated very 547 00:43:30.119 --> 00:43:35.480 easily. And they said, well, we're going to write this up and 548 00:43:35.519 --> 00:43:37.519 you need to be out by the fifteenth. And also you need to pay 549 00:43:38.159 --> 00:43:45.360 half the rent for half the month. Well, okay, they said she 550 00:43:45.440 --> 00:43:49.719 had to be out by what August fifteenth? Yeah, and she ast us 551 00:43:49.760 --> 00:43:54.559 to pay. Was this a year lease? Yes? For a room? 552 00:43:55.960 --> 00:44:00.360 Yes? Well well technically if she was a vig did she would have to 553 00:44:00.400 --> 00:44:04.880 pay up to the point of eviction. I mean, if they did it 554 00:44:04.920 --> 00:44:07.840 properly. But I mean, that's not unusual. You don't just get to 555 00:44:07.880 --> 00:44:13.480 stay there free because they're evicting you. But at the same time, though, 556 00:44:13.960 --> 00:44:17.000 they never said, were we want you to leave because of this or 557 00:44:17.000 --> 00:44:22.800 this or this or did they did they give a reason? They did not 558 00:44:22.960 --> 00:44:28.880 give any specific reason of anything that she valiated on the lease. Okay, 559 00:44:29.079 --> 00:44:34.159 they just don't like her, and they just don't like her, and she's 560 00:44:34.159 --> 00:44:37.599 socially awkward. She say, what does that mean? You said that twice? 561 00:44:37.679 --> 00:44:39.639 What does this mean? Socially offen? What I'm saying is that she's 562 00:44:39.719 --> 00:44:46.840 not real life sociable, So she doesn't sit in the common area with that 563 00:44:46.840 --> 00:44:52.800 that type of thing as to where they haven't really got to know her. 564 00:44:52.079 --> 00:44:59.960 You know, she basically stays in her room and she's I don't know, 565 00:45:00.280 --> 00:45:05.199 she gets intimidated very easily. Now are they making Are they making it rough 566 00:45:05.239 --> 00:45:07.880 there? Now that they want her to leave, they're making it rough? 567 00:45:07.880 --> 00:45:10.079 And I'm worried about her pregnancy. How are they making it? How are 568 00:45:10.119 --> 00:45:15.239 they making it rough? They're thrown into book cameras in the kitchen and I 569 00:45:15.280 --> 00:45:20.400 guess to watch her cook. They're complaining that she cooks. Everything that they 570 00:45:20.480 --> 00:45:23.119 complain about is. I don't see how it could possibly be in the least 571 00:45:23.119 --> 00:45:28.360 maybe it is. Well, give me an idea of what they're complaining about. 572 00:45:29.119 --> 00:45:34.639 Does she cookin fo uh? One time? It was? One time? 573 00:45:35.000 --> 00:45:37.920 Was the food? One time? Was she put the trash in the 574 00:45:37.960 --> 00:45:43.039 recycling bin by accident because the one told her there is a recycling bin there 575 00:45:43.039 --> 00:45:50.000 and she didn't recognize the symbol. And then they don't like me. They 576 00:45:50.039 --> 00:45:52.760 told her they wanted her out because they're not comfortable because they don't like me. 577 00:45:53.440 --> 00:45:59.960 Well, why didn't you visit her? I didn't. They don't want 578 00:46:00.159 --> 00:46:04.159 like me because of the conversation I have with the landlord when she's got in 579 00:46:04.159 --> 00:46:07.159 touch. Okay, Brad, this all sounds like nonsense. But if they 580 00:46:07.199 --> 00:46:13.519 want to get first of all, don't I don't know about this roommate situation. 581 00:46:13.800 --> 00:46:16.280 Is it the same as any tendency, it's it's all dictated by the 582 00:46:16.360 --> 00:46:21.440 least right. Well, is it is it the ms who wants to a 583 00:46:21.519 --> 00:46:25.320 victor or the landlord, the owner of the place, just the owner and 584 00:46:25.360 --> 00:46:30.079 her fiance. Now, by the way, Brad, just so you know, 585 00:46:30.719 --> 00:46:35.159 the owner is the landlord and the fiance is one of the tenants along 586 00:46:35.199 --> 00:46:38.239 with her daughter. So there's four tenants and one of them just happens to 587 00:46:38.280 --> 00:46:43.199 be the fiance of the landlord. Okay, so a co tenant doesn't have 588 00:46:43.280 --> 00:46:45.039 a right to evict a fellow co tenant. But it sounds here like the 589 00:46:45.119 --> 00:46:51.360 landlord instead as the least violation. Well, a landlord can evict for a 590 00:46:51.519 --> 00:46:55.559 material the lease violation, but nothing here sounds material. Doing dishes, putting 591 00:46:55.639 --> 00:47:00.360 the trash in cycling Again, that's not material in my opinion. So you 592 00:47:00.480 --> 00:47:04.800 can't dedict somebody unless you go to court and get a court order possession. 593 00:47:05.079 --> 00:47:07.000 She's got to convince a judge that there has been a material violation of the 594 00:47:07.079 --> 00:47:10.880 lease. I don't think they could convince the judge in this circumstance. Yeah, 595 00:47:12.159 --> 00:47:16.400 especially if she keeps paying. But April she was she planning to stay 596 00:47:16.400 --> 00:47:23.599 there through the birth of her daughter. She was now, does your daughter 597 00:47:23.679 --> 00:47:30.599 work? She got it, she worked at Wendy's uh in Colie Springs. 598 00:47:30.639 --> 00:47:34.480 But when she signed that leaf, she didn't have a job, and they 599 00:47:34.559 --> 00:47:38.639 knew that. I mean, I don't. I'm not asking about that. 600 00:47:38.719 --> 00:47:44.679 I'm saying, what's your daughter? Is your daughter going to be able to 601 00:47:44.719 --> 00:47:50.599 have a baby there? I'm not in that she's walking on eggshells. They're 602 00:47:50.599 --> 00:47:53.559 watching her every news. No, But what I'm asking is when she signed 603 00:47:53.559 --> 00:48:00.599 the least, did they know that eventually she's yes, I mean, because 604 00:48:00.639 --> 00:48:05.320 that could that could make things a little weird having a baby there, right, 605 00:48:05.360 --> 00:48:07.880 But they knew that. They said that, they knew she was pregnant. 606 00:48:07.880 --> 00:48:13.880 She's very pregnant. Oh, I see when is she due? I 607 00:48:13.920 --> 00:48:19.159 mean, she's doing November and she's going and she had planned to live there, 608 00:48:19.239 --> 00:48:22.599 and the landlord, I mean, geez, that's weird. I mean, 609 00:48:22.639 --> 00:48:27.159 okay, so she's going to stay in the room with her Well, 610 00:48:27.280 --> 00:48:29.800 she was going to stay in the room with the baby for the first six 611 00:48:29.880 --> 00:48:32.679 months and then she you know, save her you know, save some money 612 00:48:32.679 --> 00:48:37.960 back and get it obviously a place for herself. Okay, and her baby, 613 00:48:38.000 --> 00:48:45.039 this was a temporary where's the father of the baby, Well, he's 614 00:48:45.119 --> 00:48:51.360 probably I think he's still in jail. Oh jeez. Okay, this is 615 00:48:51.400 --> 00:48:54.400 not an optimal situation. Brad O'Brien, by the way, thanks for your 616 00:48:54.400 --> 00:48:58.760 advice on that. And he's right. I mean, they're going to have 617 00:48:58.800 --> 00:49:01.960 to do a real eviction for a real reason, so don't I hope she 618 00:49:02.000 --> 00:49:07.960 doesn't get tricked into signing anything, because that's what they want her to do. 619 00:49:07.000 --> 00:49:10.639 They want her to voluntarily agree to leave, and if she doesn't have 620 00:49:10.679 --> 00:49:15.000 another place to go, make sure she doesn't do that. By the way, 621 00:49:15.039 --> 00:49:20.239 O'Brien, Legal Services olslaw dot Com seven to zero three seven zero seventy 622 00:49:20.239 --> 00:49:24.039 three eighty eight April. That's really the longest short of it. Okay. 623 00:49:24.119 --> 00:49:29.039 I mean, at this point, if you do locate a Leisha might want 624 00:49:29.079 --> 00:49:30.519 to send it to us, we'll take a look at it. But right 625 00:49:30.599 --> 00:49:34.079 now it just sounds like she has to wait for them to have a reason. 626 00:49:34.599 --> 00:49:39.199 But she may want to just maybe be casually looking for another place that 627 00:49:39.280 --> 00:49:45.360 might be better. Joseph Cano is is my guest today. Joe Cano is 628 00:49:45.360 --> 00:49:53.840 a certified financial planner and he talks about investing and getting ready for retirement in 629 00:49:53.880 --> 00:49:58.039 a secure way. One of the things he talked, he talks about two 630 00:49:58.079 --> 00:50:04.079 things, a fixed indexed annuity or he has actually many, many of them 631 00:50:04.360 --> 00:50:08.800 to fit your circumstances. And these annuities have guarantees. Now, just so 632 00:50:08.920 --> 00:50:15.239 you know, you're not allowed to even use the word guarantee when it comes 633 00:50:15.280 --> 00:50:21.199 to financial products, but you can when it comes to a fixed indexed annuity. 634 00:50:22.039 --> 00:50:29.679 That's actually allowed because it is guaranteed by an independent party outside of you 635 00:50:29.800 --> 00:50:32.880 and the person who sells it, and it's it's an insurance company. So 636 00:50:34.000 --> 00:50:39.360 Joe, my first question is how solid are the guarantees. Okay, well, 637 00:50:39.400 --> 00:50:43.760 you know, Tom, they're very, very solid with us because we 638 00:50:43.960 --> 00:50:52.079 choose only companies that issue those types of annuities that are one hundred plus years 639 00:50:52.159 --> 00:50:59.199 old. They're triple A rated companies living around for you know, they'ving around 640 00:50:59.199 --> 00:51:04.519 through all the economic downturns, you know, and they have survived. So 641 00:51:04.679 --> 00:51:10.079 the guarantees are playing guarantees. So that means that if somebody transferred like a 642 00:51:10.079 --> 00:51:15.519 four oh one K or an IRA into this type of an annuity, they're 643 00:51:15.519 --> 00:51:20.239 gonna be guaranteed, not to lose what they put in or their games. 644 00:51:20.840 --> 00:51:23.639 And the beautiful thing about it, Tom, is that this annuities will grow 645 00:51:24.119 --> 00:51:29.760 when the market grows to a certain level, but when the market drops, 646 00:51:30.760 --> 00:51:35.400 it will remain level. They're not gonna They're not gonna go down with the 647 00:51:35.519 --> 00:51:38.519 market. And this is really what I've been I've been hearing from people that 648 00:51:38.559 --> 00:51:44.760 they're definitely afraid of losing their money. And I don't blame them. I 649 00:51:44.760 --> 00:51:50.119 mean, somebody came to Golfice yesterday with their four oh one K statement and 650 00:51:50.199 --> 00:51:52.880 they said, how soon can I transfer this money into that annuity? And 651 00:51:52.920 --> 00:51:59.480 we can do it immediately, because if we're tired of losing money, I 652 00:51:59.480 --> 00:52:02.159 mean, yeah, now, now simple. They're time and losing money right 653 00:52:02.480 --> 00:52:07.360 and more importantly, if they do lose it takes too much time to regain 654 00:52:07.400 --> 00:52:09.480 it. That's one of the biggest problems, Kaki. We have more coming 655 00:52:09.559 --> 00:52:14.840 up. I'm troubleshooter Tom Martino three oh three seven one three talks seven one 656 00:52:14.880 --> 00:52:19.360 three eight two five five. Frank drand real estate Man dot com. 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The artorn it dot com three all three 705 00:56:15.480 --> 00:56:24.320 three eight six fifty nine nineteen three eight six five nine one nine Hi tom 706 00:56:24.400 --> 00:56:30.480 Artchino here three all three seven one three talks seven one three eight two five 707 00:56:30.599 --> 00:56:35.159 five. What do you think the very first thing burglars look for in a 708 00:56:35.199 --> 00:56:39.159 house? What do you think survey done by law enforcement? I think it's 709 00:56:39.159 --> 00:56:43.320 so obvious. Come on, what's the number one thing? Give me a 710 00:56:43.360 --> 00:56:46.239 guest. Guns. Okay, they look for guns, that's in the top 711 00:56:46.280 --> 00:56:50.360 ten. But the very first thing they look for is cash. Well, 712 00:56:50.400 --> 00:56:53.320 isn't that logical? It's easy? I mean if you but what moron keeps 713 00:56:53.360 --> 00:56:57.199 cash in their house in a way that a burglar could take it? Maybe 714 00:56:57.239 --> 00:57:01.079 a floor safe or something. Would you ever keep now? I keep okay, 715 00:57:01.119 --> 00:57:07.079 I keep cashing a sock in the top left hand drawer. And but 716 00:57:07.440 --> 00:57:10.320 who else who would look there? Uh? Oh, let me think, 717 00:57:10.639 --> 00:57:15.960 yeah, you'd have to. I don't know. Well, I don't keep 718 00:57:15.960 --> 00:57:19.280 it in any sock. I keep it in the sock in the back of 719 00:57:19.320 --> 00:57:22.199 the drawer. Do you think I'm tricking anybody? By the way, Seriously, 720 00:57:22.280 --> 00:57:24.880 Now they look for cash, what's the second thing? Come on, 721 00:57:24.960 --> 00:57:30.039 Kachina, what's the second thing, that's another obvious thing. You go into 722 00:57:30.079 --> 00:57:32.920 the bedroom and you open up what, uh, be large? Already said 723 00:57:32.920 --> 00:57:37.159 it jewelry, of course, be large, jewelry, especially the bling he 724 00:57:37.280 --> 00:57:42.719 wears. And okay, so they look for jewelry and watch it and then 725 00:57:43.360 --> 00:57:46.320 what I now, I didn't think. I really didn't think the number three 726 00:57:46.360 --> 00:57:52.519 on the list is accurate, although please say it is electronics, because to 727 00:57:52.679 --> 00:57:57.119 damn, why would you haul out? You can buy a damn seventy five 728 00:57:57.159 --> 00:58:00.400 inch led TV for four hundred and ninety nine. You can buy, by 729 00:58:00.440 --> 00:58:02.360 the way, you can buy the older ones, you know, those old 730 00:58:02.400 --> 00:58:07.760 ones. I'm sure they're referring more to laptops, iPads. Yeah, I 731 00:58:07.760 --> 00:58:09.639 think game boys or what are they called that? Yeah, yeah, yeah, 732 00:58:09.760 --> 00:58:15.840 gaming systems exactly. That's probably right now. Number four on the list, 733 00:58:16.119 --> 00:58:21.679 uh, drum roll. And of course this one I see, I 734 00:58:21.719 --> 00:58:25.719 would see, and that is prescription meds. But what are they looking for? 735 00:58:25.760 --> 00:58:30.440 Though not just any prescriptions. They would love to find painkillers, my 736 00:58:30.760 --> 00:58:37.920 god, painkillers. Do you know if opiates were not listen, if opiates 737 00:58:37.920 --> 00:58:43.639 did not build up a tolerance, if opiates were not like so devastating to 738 00:58:43.679 --> 00:58:47.800 your health and killed you and and you know, arrested your respiratory rate. 739 00:58:49.639 --> 00:58:53.199 We could have world peace. Just pass them out, we could have world 740 00:58:53.280 --> 00:58:59.239 peace. No one wants to get into a fight on opiates. But well, 741 00:58:59.280 --> 00:59:02.760 hold on, but it would be constummated. That's true. Yes, 742 00:59:02.840 --> 00:59:09.400 but you so fiber fiber and uh fiber and fentanol. But anyway, I 743 00:59:09.480 --> 00:59:13.599 digress. I'm serious. That's bad, bad crap, bad stuff. But 744 00:59:14.079 --> 00:59:21.199 I'm but look at the look at the desire people have nowadays for pain pills. 745 00:59:22.000 --> 00:59:27.440 It's amazing to me. I'm gonna tell you something. I had a 746 00:59:27.440 --> 00:59:32.559 prescription one time after surgery. I forget when, but anyway, I remember 747 00:59:32.639 --> 00:59:39.280 people around me asking if they could have one. I don't mean like people 748 00:59:39.360 --> 00:59:45.760 around me in the station here. They don't ask, They just steal. 749 00:59:45.840 --> 00:59:50.280 But I'm talking about and I'm kidding about that, no, but I'm asking. 750 00:59:50.840 --> 00:59:52.920 I'm not gonna like mention names or even circumstances. But people say, 751 00:59:53.000 --> 00:59:55.840 oh, by the way, do you think I could borrow one of those 752 00:59:55.960 --> 01:00:00.400 or have one of those? I'm having some pains. It's like it's like 753 01:00:00.480 --> 01:00:06.159 this irresistible thing. Man. Okay, another thing they say they look for 754 01:00:06.320 --> 01:00:10.000 personal documents, and I can see that they want. They want like birth 755 01:00:10.039 --> 01:00:15.639 certificates, passports, stuff like that where they can they can forge identities. 756 01:00:15.679 --> 01:00:22.000 They really want to forge identities. And then they want designer clothes and purses. 757 01:00:22.960 --> 01:00:28.360 And then they want keys. Now to me, that's useless keys. 758 01:00:28.519 --> 01:00:31.400 What good would keys be unless you can get to it immediately, like keys 759 01:00:31.400 --> 01:00:35.400 to a shed or keys to the car out in the garage. Yeah, 760 01:00:35.559 --> 01:00:40.719 and then this one I absolutely refuse to believe. And I don't think truthfully 761 01:00:40.840 --> 01:00:45.599 dot COM's got it right. They're the ones that surveyed this, and that's 762 01:00:46.440 --> 01:00:52.280 and that is this furniture. Who the hell is gonna move You don't even 763 01:00:52.320 --> 01:00:55.280 move furniture when you're getting paid for it, let alone steal it. And 764 01:00:55.360 --> 01:01:00.760 bicycles would be number ten. I'd think bicycles would be higher, especially the 765 01:01:00.800 --> 01:01:04.119 new e bikes and stuff. You can walk away with a five thousand dollars 766 01:01:04.199 --> 01:01:08.639 booty one bike boom. Anyway, Joe kanos as I said, as a 767 01:01:08.639 --> 01:01:14.440 financial planner, we talked about, hey, you know, Joe, not 768 01:01:14.559 --> 01:01:16.400 to disagree with you, because I really do agree with you on ninety nine 769 01:01:16.440 --> 01:01:22.199 percent of the time. But somebody just texted me and said, you know, 770 01:01:22.320 --> 01:01:25.440 Tom I've been in the stock market for many years and I've made good 771 01:01:25.559 --> 01:01:29.760 money, and I don't know why he always says people don't want to lose 772 01:01:29.760 --> 01:01:32.760 money. Of course they don't, but it's been a proven hedge against inflation. 773 01:01:34.559 --> 01:01:37.440 And I think the point we want to make is not that you can't 774 01:01:37.480 --> 01:01:45.159 have a stock account and hold some pretty good stocks and make money. But 775 01:01:45.719 --> 01:01:51.920 the problem is not the making of the money, but making up for losses. 776 01:01:52.320 --> 01:01:55.679 You have to have a time horizon, and as you get older, 777 01:01:55.840 --> 01:02:01.440 Joe, the time horizon shrinks. Isn't that the main point? Well, 778 01:02:01.480 --> 01:02:05.119 that is right, you know, and that we're not really disagreeing with the 779 01:02:05.119 --> 01:02:09.360 stock market. I think if you're young and you know what you're doing, 780 01:02:09.559 --> 01:02:13.840 Tom, that is the key. You got to know what you're doing to 781 01:02:13.920 --> 01:02:16.480 pick up the right stocks. You know you can do well with the stock 782 01:02:16.519 --> 01:02:22.880 market. But as you get older, You're absolutely right, your time horizon 783 01:02:22.960 --> 01:02:28.920 will shrink. And this is when people come in and they say, we 784 01:02:29.000 --> 01:02:32.480 want to keep it safe and we want to make our money last as long 785 01:02:32.480 --> 01:02:36.840 as we will. See that is the key. You know, you can 786 01:02:36.920 --> 01:02:40.800 build a beautiful out of money with your far one k or with the stock 787 01:02:40.840 --> 01:02:45.599 market but if you begin to draw the money out, it's on a deplete. 788 01:02:45.960 --> 01:02:52.119 And of course, as a financial planner, you wouldn't tell people to 789 01:02:52.119 --> 01:02:54.800 put all their money into an annuity anyway. I mean, there's nothing wrong 790 01:02:54.880 --> 01:03:00.320 with having a variety of buckets, right, Well, absolutely, you're right. 791 01:03:00.400 --> 01:03:05.639 I mean, we actually tell people not to put all their eggs in 792 01:03:05.760 --> 01:03:10.239 one basket. We want people to diversify us. People come in to see 793 01:03:10.280 --> 01:03:15.320 me. We're talking about the retirement aged people. Okay, we're not talking 794 01:03:15.360 --> 01:03:21.000 about the young, young individuals that coming, right, We're talking about retirement 795 01:03:21.039 --> 01:03:24.599 age people. Those are the people that are definitely afraid of the market. 796 01:03:24.599 --> 01:03:29.480 They want to keep their money safe and they want to have an income that 797 01:03:29.639 --> 01:03:34.199 will last, a guaranteed income that would last for the rest of their lives. 798 01:03:34.400 --> 01:03:37.800 That's what they're you know, that's what really they're interested on you. 799 01:03:37.199 --> 01:03:42.280 Yeah, and Joe, Joe, I have a couple facts is here, 800 01:03:42.320 --> 01:03:44.960 but I tease me not facts as texts. But I'll get to you in 801 01:03:45.039 --> 01:03:47.320 a second. Here three O three seven seven nine sixty six hundred is his 802 01:03:47.440 --> 01:03:52.920 number when he's not here. The website's my moneymway dot com. And then 803 01:03:52.320 --> 01:03:55.840 I also have a question about overfunding, life insurance people, whatever you want 804 01:03:55.880 --> 01:03:58.800 to talk about. Give us a call if you have a problem, question 805 01:03:58.880 --> 01:04:02.679 or complaint. And also I want to remind you you can text my personal 806 01:04:02.760 --> 01:04:06.960 Google Voice number, which, by the way, is it's truly mine and 807 01:04:08.039 --> 01:04:11.280 only mine. It doesn't go into a big switchboard or anything. So let 808 01:04:11.360 --> 01:04:14.880 me give you this number, and again you're welcome to contact me twenty four 809 01:04:14.840 --> 01:04:16.519 to seven. I may not get back to you right away, but it's 810 01:04:16.559 --> 01:04:20.639 seven four seven nine nine nine fifty two eighty. I made up my mind. 811 01:04:20.679 --> 01:04:24.079 I want to give direct access to that number. Of course, we 812 01:04:24.199 --> 01:04:29.159 also have our other number here on the show that iheartprovised for texting, which 813 01:04:29.239 --> 01:04:31.480 is five seven seven thirty nine. But let me give you that Google number 814 01:04:31.519 --> 01:04:39.719 again. Ready, seven four seven nine nine nine fifty two eighty. We 815 01:04:39.840 --> 01:04:45.239 have more coming right up. You know, if you are facing hail damage 816 01:04:45.239 --> 01:04:48.679 of any kind, don't ever make the mistake of signing something at the door 817 01:04:48.760 --> 01:04:54.440 on a clipboard or anywhere, or on an iPad to let a roofer look 818 01:04:54.480 --> 01:04:57.760 at your roof. That's a trick, that's a contract. Okay, don't 819 01:04:57.800 --> 01:05:02.239 sign anything if a roofer tells you that you have to sign something for them 820 01:05:02.280 --> 01:05:06.960 to look at your roof. They're liars. If they tell you it's for 821 01:05:08.159 --> 01:05:13.039 liability and all that, they're liars. If they tell you they can't give 822 01:05:13.079 --> 01:05:17.440 you a full contract until they talk to the adjuster or whatever your insurance company 823 01:05:17.559 --> 01:05:21.719 does, that, they're going to go with their liars. Okay, if 824 01:05:21.760 --> 01:05:26.960 they say they need money upfront, they're liars. How about all that? 825 01:05:27.280 --> 01:05:30.440 Right? So who doesn't do that? Excel Roofing doesn't do that. Excel 826 01:05:30.519 --> 01:05:34.440 Roofing will look at your roof, give you a full detailed contract upfront, 827 01:05:34.559 --> 01:05:38.360 not ask you to sign it, not pressure you, not give you a 828 01:05:38.440 --> 01:05:43.079 penalty if you do sign one, and they never ask for a dime until 829 01:05:43.079 --> 01:05:45.880 they're done, not a cent until your content. Excelroofing dot com. That's 830 01:05:46.000 --> 01:05:51.639 excel as an excellent ex cel excelroofing dot com three oh three seven sixty one 831 01:05:53.199 --> 01:05:58.079 sixty four hundred. Now what if you want the best deal ever on a 832 01:05:58.159 --> 01:06:01.599 water heater? Who would you call? I hope you remember this? Europlumbing 833 01:06:02.239 --> 01:06:10.599 Colorado dot net. Euro Plumbing. Now Europlumbing says they'll do a forty gallantaning 834 01:06:10.639 --> 01:06:14.480 fully installed for thirteen ninety nine and a fifty gallant tank for fourteen ninety nine. 835 01:06:15.159 --> 01:06:17.320 Now think about that, right, around fifteen hundred bucks for a full 836 01:06:17.480 --> 01:06:20.960 fifty gallentaning fully installed. No one can do it. Plus they tear out 837 01:06:20.960 --> 01:06:25.199 and haul away the old one. Europlumbing says, put them to the test 838 01:06:25.480 --> 01:06:28.679 and they'll show you not just water heaters, but any plumbing. They'll do 839 01:06:28.800 --> 01:06:31.719 cheaper and better than anyone. That's three oh three sixty six eight six eight 840 01:06:31.760 --> 01:06:40.559 four four six six eight six eight four four. Hey, Tom Martino here 841 01:06:40.679 --> 01:06:44.440 three three seven one three talk seven one three eight two five five Joe. 842 01:06:45.119 --> 01:06:48.679 We got a tough crowd man when it comes to our streaming audience, our 843 01:06:48.800 --> 01:06:54.119 podcasters, our textures. So I'm gonna ask you some straight up things. 844 01:06:54.199 --> 01:06:58.280 Okay, now, okay, First, I want to make a statement so 845 01:06:58.360 --> 01:07:05.400 I'm fully trans parent. I have an annuity. It's one of my tools. 846 01:07:05.880 --> 01:07:10.239 It's not the only one, it's one of them. Okay now, 847 01:07:11.920 --> 01:07:15.559 but somebody wants to know. And I get this. If you take a 848 01:07:15.679 --> 01:07:20.239 pot of money and put it away and it makes I think mine, I 849 01:07:20.280 --> 01:07:24.400 don't know whatever it's returning. What are they returning? A good annuity will 850 01:07:24.440 --> 01:07:27.679 return, Not that it matters because it ratchets up and you can't lose it. 851 01:07:28.280 --> 01:07:30.239 And I think it compounds too, don't they compound or not? Joe? 852 01:07:30.320 --> 01:07:34.079 You tell me on anywye our annuity stuff? Two components fo me. 853 01:07:34.320 --> 01:07:39.480 They have you know, the the index component. Right, It means that 854 01:07:39.519 --> 01:07:43.960 the annuity will grow on the stock market grows. But they also have a 855 01:07:44.119 --> 01:07:49.480 guaranteed portion that they depending on the age, it could range between four to 856 01:07:50.119 --> 01:07:56.079 five or six percent. Right, So that's the guarantee, right, right, 857 01:07:56.119 --> 01:07:59.440 that's the guarantee. Said, that's right. So so but then you 858 01:07:59.599 --> 01:08:02.119 have the stock market index. So if the S and P goes up to 859 01:08:02.280 --> 01:08:05.559 if the S and P does eighteen percent, you don't do eighteen but you 860 01:08:05.719 --> 01:08:10.519 do what's called a participation of that, right, that is right, It's 861 01:08:10.559 --> 01:08:14.320 called the participation. So you got a few things to look at with an 862 01:08:14.320 --> 01:08:16.800 annuity, okay. One is okay, you have a lump sum of money 863 01:08:17.199 --> 01:08:20.600 or you know a pot of money, and then you have what's called a 864 01:08:20.720 --> 01:08:25.039 guaranteed rate of return, so no matter what, you'll never make less than 865 01:08:25.119 --> 01:08:30.239 that guaranteed. Or you have the index and the index you don't get one 866 01:08:30.279 --> 01:08:34.560 hundred percent of the index, you get a participation rate. So different annuities 867 01:08:34.640 --> 01:08:39.960 have different participation rates, and if you get a higher participation rate, you 868 01:08:40.159 --> 01:08:43.520 might get a lower guaranteed rate. If you get a higher guaranteed rate, 869 01:08:43.800 --> 01:08:46.520 you might get a lower participation rate. Whatever. And that's what Joe does. 870 01:08:46.600 --> 01:08:50.199 He helps you balance it all out. So here's my question, how 871 01:08:50.399 --> 01:08:55.960 much does it cost me? Because people are obsessed with this, they're saying, 872 01:08:56.000 --> 01:09:00.760 look, I heard they're really expensive, So what is it really costing 873 01:09:00.880 --> 01:09:02.439 me? I mean, I know I'm making money. I know I have 874 01:09:02.520 --> 01:09:06.159 a guarantee of an income. But am I paying too much for those privileges? 875 01:09:08.079 --> 01:09:10.479 Are you ready for this? Yeah? And I want to know? 876 01:09:10.720 --> 01:09:13.520 Yeah, go ahead, let let me tell you. This is some black 877 01:09:13.600 --> 01:09:18.239 and white go ahead, guarantee this. Okay. The only fees customer will 878 01:09:18.359 --> 01:09:26.640 ever pay on our annuities that we promote is one tenth at this one tenth 879 01:09:27.239 --> 01:09:30.680 of one percent? Now, job deth of a percent? Okay, I 880 01:09:30.800 --> 01:09:34.680 need to understand this now, so let's just take again. I don't like 881 01:09:34.800 --> 01:09:39.479 talking in numbers, no one really does. But what's an app I don't 882 01:09:39.479 --> 01:09:42.960 even know if there is such a thing. What's Let's see what do people 883 01:09:43.079 --> 01:09:45.840 say? Unless some people have a couple might come to you with five hundred 884 01:09:45.880 --> 01:09:50.640 thousand, right, that's right. Okay, so you're saying one tenth of 885 01:09:50.720 --> 01:09:57.119 one percent, one tenth, one tenth of a percent of the account value 886 01:09:57.319 --> 01:10:00.880 every year, that's the only fee they hey, Tom, and they're going 887 01:10:00.920 --> 01:10:03.960 to be getting that bonus. They're going to be getting that. So on 888 01:10:04.600 --> 01:10:08.680 all, I hope, I hope I'm doing this correctly. But okay, 889 01:10:09.079 --> 01:10:14.680 so you're saying on a five hundred thousand dollars account, okay, you're saying 890 01:10:15.239 --> 01:10:19.359 ten percent would be of course would be uh fifty grand, but they're paying 891 01:10:19.680 --> 01:10:24.840 a tenth of that. So they're paying five grand a year, right, 892 01:10:25.079 --> 01:10:28.520 yeah, okay, one tenth of a percent, Okay, got it? 893 01:10:28.640 --> 01:10:31.039 They pay Now if you look at the if you look at four one ks 894 01:10:31.479 --> 01:10:33.920 or no, I know, I was just going to say this, listen, 895 01:10:34.039 --> 01:10:39.680 man, I have I have accounts where I'm paying that on an IRA 896 01:10:40.399 --> 01:10:45.840 for self directed iras, right okay, So so yeah, some people are 897 01:10:45.880 --> 01:10:50.039 paying between three and five percent and feesm Now, so here's the deal mark. 898 01:10:50.119 --> 01:10:54.279 But now now hold on, So that's a tenth of a percent the 899 01:10:54.399 --> 01:10:57.600 first year. But when the account grows, then the fees go. The 900 01:10:57.720 --> 01:11:00.239 fee goes one tenth of whatever the account value was. Right, that is 901 01:11:00.439 --> 01:11:05.000 that is direct. Okay. But is there an upfront fee? No, 902 01:11:05.720 --> 01:11:11.560 there's not. The only fee. The only fee they pay is one then 903 01:11:12.119 --> 01:11:16.880 of a percent each and every year period. Nothing more. Okay. Now 904 01:11:18.079 --> 01:11:26.399 what about someone said it's not an investment, it's an insurance product. It 905 01:11:26.520 --> 01:11:30.119 is an insurance product, but it is an investment. You see, an 906 01:11:30.199 --> 01:11:35.840 investment is when the money has the potential for growth. A savings account is 907 01:11:36.000 --> 01:11:42.479 not an investment basically, Okay, if the potential for a great growth is 908 01:11:42.520 --> 01:11:48.239 an investment. So an annuity. People use annuities as investments for their retirement 909 01:11:49.159 --> 01:11:53.600 period. They have more. They have multiple annuities. Tom. You know, 910 01:11:53.760 --> 01:11:59.319 we have people that have fourteen annuities and they ladder the annuities. So 911 01:11:59.399 --> 01:12:01.640 if they need an income from one, they turned the income on one and 912 01:12:01.720 --> 01:12:08.119 to let the other thirteen anuties grow keep growing. When they need more income, 913 01:12:08.479 --> 01:12:13.520 they'll turn the switch on the second annuity to increase their payout every single 914 01:12:13.600 --> 01:12:16.640 month or every single year, and then let the other twelve you need to 915 01:12:16.760 --> 01:12:23.720 grow and they go through retirement. In this matter, all me safe with 916 01:12:23.880 --> 01:12:29.199 a guaranteed income stream for the rest of their lives. Okay, here's and 917 01:12:29.319 --> 01:12:30.439 here's what I want to say. And I got to say this straight up. 918 01:12:30.800 --> 01:12:35.479 So anybody listening. I've told Joe knows this. We're almost the same 919 01:12:35.560 --> 01:12:39.079 age. I think he's much younger than me. But anyway, anyway, 920 01:12:39.319 --> 01:12:44.239 that's right. Now here's the point. You know, I've been doing this 921 01:12:44.479 --> 01:12:48.680 for fifty years. I'm seventy years old. I am not here to sell 922 01:12:48.800 --> 01:12:53.600 anything. In fact, Joe, you know how I feel about the financial 923 01:12:53.680 --> 01:12:56.199 industry. I think most of them are a bunch of crooks in my in 924 01:12:56.279 --> 01:13:01.640 my idea, and I'm here to talk about every aspect of everything, the 925 01:13:01.840 --> 01:13:06.560 benefits, the advantages, the disadvantages. I have no one to protect and 926 01:13:06.720 --> 01:13:12.479 nothing to hide. Neither does Joe. So here's your chance, you know. 927 01:13:12.720 --> 01:13:15.720 I mean, I had some guys on YouTube asked me what I want 928 01:13:15.760 --> 01:13:16.640 to know, straight up? What the fees are? I want to know? 929 01:13:16.920 --> 01:13:19.760 Why do you call it an investment? Okay? And okay, so 930 01:13:20.319 --> 01:13:26.079 no one can ask a question. I won't ask you, you know. 931 01:13:26.319 --> 01:13:30.640 And so what I'm saying, there's nothing to hide because the Internet is such 932 01:13:30.920 --> 01:13:34.479 and the world is such that we can get any information we want. Why 933 01:13:34.520 --> 01:13:41.319 would anyone be so stupid as to try to lie or try to hide facts. 934 01:13:41.640 --> 01:13:44.560 That's not what this show is about. I'm not trying to sell you 935 01:13:44.600 --> 01:13:47.560 an annuity. In fact, many times Joe and I go back and forth 936 01:13:47.640 --> 01:13:50.560 on how much should be an annuity, how much in the stock market, 937 01:13:50.640 --> 01:13:57.239 back and forth because there are different philosophies. It doesn't mean one philosophy is 938 01:13:57.239 --> 01:14:00.159 all wrong and one is all right. They are what they are. I 939 01:14:00.239 --> 01:14:05.399 think the biggest and most important thing I found out in investing is balance. 940 01:14:05.720 --> 01:14:14.640 Is that there's nothing altogether bad orgether good, including variable annuities. Now now 941 01:14:14.720 --> 01:14:18.079 I'm not counting those, they're very risky, but there is a place for 942 01:14:18.199 --> 01:14:24.600 those for a sophisticated investor, because a variable annuity it has them. I 943 01:14:24.640 --> 01:14:27.279 don't want to get into it right now because that's not what we're talking about, 944 01:14:27.319 --> 01:14:31.760 But there's a there. I think, Joe, there's probably a place 945 01:14:31.880 --> 01:14:38.840 for every investment with the proper knowledge. Don't you think I agree one hundred 946 01:14:38.840 --> 01:14:42.479 percent? I mean I ply agree a hundred percent. So the key is, 947 01:14:42.520 --> 01:14:45.199 you know there's good annuities and bad annudies. Okay, yeah, that's 948 01:14:45.279 --> 01:14:49.359 true. Place there's a place for those annuities. Like you said, that's 949 01:14:49.399 --> 01:14:54.479 right. If somebody's a real savvy investor, a very well annuity may do 950 01:14:54.600 --> 01:14:58.199 well. If somebody wants to be in the stock market and take that risk, 951 01:14:58.279 --> 01:15:01.079 you know they're an aggressive, right investor. That's right. I got 952 01:15:01.199 --> 01:15:03.800 to take this break though, Okay, So hang on, folks, give 953 01:15:03.880 --> 01:15:09.079 us a call with any problem question or complaint or investment question. As I 954 01:15:09.199 --> 01:15:12.479 said, we don't hide from anything. You can ask anything you want. 955 01:15:12.560 --> 01:15:16.439 More coming right up. You know, George Donaldson is a friend of mine 956 01:15:16.479 --> 01:15:21.399 and he got into the plumbing, heating, cooling, and electrical all of 957 01:15:21.479 --> 01:15:28.279 that many many years ago, and then he's been doing companies around the country 958 01:15:28.840 --> 01:15:30.960 and here in Denver, and I'm telling you I know him, I know 959 01:15:31.079 --> 01:15:36.119 his crew, and they want to provide the best service at great prices. 960 01:15:36.199 --> 01:15:40.560 Now that doesn't mean the cheapest, it doesn't mean the most expensive. It 961 01:15:40.720 --> 01:15:45.119 means fair. And if you have anyone telling you you need something, get 962 01:15:45.119 --> 01:15:49.840 a free second opinion from fix It twenty four to seven. That's all. 963 01:15:50.159 --> 01:15:55.640 You can say no, or they may find you don't need it. Free 964 01:15:55.760 --> 01:16:01.039 second opinions are never a bad idea. Seven of your five two six thirty 965 01:16:01.159 --> 01:16:05.439 nine thirty nine seven to zero five two six thirty nine thirty nine fixmihome dot 966 01:16:05.560 --> 01:16:13.159 com. Okay, zero res Denver is my favorite carpet cleaning company. I 967 01:16:13.199 --> 01:16:16.760 mean truly. How do you compete with them when they have purified, soft 968 01:16:16.800 --> 01:16:24.399 and alkaline based perfect water water. Okay, why does water clean so well? 969 01:16:24.520 --> 01:16:26.920 I don't know, Ask God, but I'm telling you it's the best 970 01:16:26.960 --> 01:16:30.439 cleaning agent in all of nature without anything wrong with it. Okay, nothing 971 01:16:30.479 --> 01:16:33.920 wrong with it means your air in the house is clean, the carpets are 972 01:16:33.960 --> 01:16:38.880 clean, your kids are clean crawling around on it, Your pets are safe. 973 01:16:38.960 --> 01:16:43.840 You're safe. But you get really clean carpets with no residue left behind, 974 01:16:43.960 --> 01:16:46.760 so they stay clean longer. I'm telling you from personal experience. When 975 01:16:46.800 --> 01:16:49.840 you experience zero RESI and all of a sudden, you don't smell that musty 976 01:16:49.880 --> 01:16:54.479 smell, and you don't feel the dampness, and you're thinking, my god, 977 01:16:54.600 --> 01:16:57.760 these carpets look new. You're gonna say, Tom, I know why 978 01:16:57.880 --> 01:17:01.520 now you talk about them like you do zero Resdenver dot com. In fact, 979 01:17:01.720 --> 01:17:08.079 they also do upholstery and mattresses and tile and grout and any solid surface 980 01:17:08.479 --> 01:17:11.159 you know, during COVID, I had them do my whole house. These 981 01:17:11.239 --> 01:17:15.760 guys are for real three oh three four seven one fifty one fifty three oh 982 01:17:15.840 --> 01:17:21.880 three four seven one fifty one fifty zero Resdenver dot com. You know, 983 01:17:23.119 --> 01:17:28.119 I'm Tom Martine, your trouble Shooter three O three seven one three Talks seven 984 01:17:28.159 --> 01:17:30.680 one three eight two five to five. So we have the show in the 985 01:17:30.720 --> 01:17:33.479 show, I call it the Show about the Show, and that's on our 986 01:17:33.720 --> 01:17:38.159 streaming platforms, and then when you download it, I think you get to 987 01:17:38.239 --> 01:17:41.239 hear that the podcast. I don't know if do they edit all that out 988 01:17:41.319 --> 01:17:44.119 on the podcast, the behind the scenes stuff, Kachina, do you know 989 01:17:44.239 --> 01:17:45.399 that or be large? I don't know if they do or not. But 990 01:17:45.439 --> 01:17:48.479 anyway, oh, it doesn't go out. Okay, So you got a 991 01:17:48.520 --> 01:17:53.039 stream to hear all that. And what I was saying is you guys can 992 01:17:53.079 --> 01:17:56.920 ask any question about anything we do here, and we are one hundred percent 993 01:17:57.000 --> 01:18:00.760 transparent. I don't care. I have no one to protect accept myself with 994 01:18:00.920 --> 01:18:03.920 honesty. So, uh, one thing I do want to talk about one 995 01:18:03.960 --> 01:18:10.039 of the biggest complaints I get about everyone. I'll be talking about that coming 996 01:18:10.119 --> 01:18:27.840 up. Ripped up News you need advice when you don't have come run into 997 01:18:28.000 --> 01:18:34.760 ass as we can. Shooter's gonna help coming man. This is the Troubleshooter 998 01:18:34.920 --> 01:18:43.319 Show. No Tom Martino, Hi Tom Martino, your Troubleshooter. Three oh 999 01:18:43.359 --> 01:18:46.399 three seven one three talk seven one three eight two five five. What's new 1000 01:18:46.479 --> 01:18:49.439 in your life? And how can we help you? That's what we ask 1001 01:18:49.520 --> 01:18:53.239 each and every day. So give a call. If you have a problem 1002 01:18:53.319 --> 01:18:56.840 or question or complaint, anything on your mind, where someone lied to you, 1003 01:18:57.159 --> 01:19:00.560 or ripped you off, or cheated you, you can give us a 1004 01:19:00.640 --> 01:19:04.880 call three oh three, seven to one three talk three oh three, seven 1005 01:19:04.960 --> 01:19:11.319 one three eight two five five. You can also call three oh three Martino 1006 01:19:11.479 --> 01:19:15.680 and you can call that twenty four to seven three oh three six two seven 1007 01:19:15.720 --> 01:19:20.640 eighty four sixty six. Some of the things we've been talking about. One 1008 01:19:20.680 --> 01:19:30.000 of the things when you discover a bad problem in an apartment you're renting or 1009 01:19:30.039 --> 01:19:35.199 a house you're renting, you are you can't just end your lease and walk 1010 01:19:35.239 --> 01:19:42.039 away. Now you have to go through a procedure to end that lease. 1011 01:19:42.720 --> 01:19:45.199 If you don't think the landlord is coming through to fix it, and it's 1012 01:19:45.319 --> 01:19:50.439 dangerous or it's safety related, or security related. You have to go through 1013 01:19:50.479 --> 01:19:54.960 a proper procedure. Now you can leave early if you on, but you 1014 01:19:55.079 --> 01:19:57.920 still have to pay your rent until you get out of paying your rent. 1015 01:19:58.359 --> 01:20:02.800 It's called a constructive eviction. I think people make such a big mistake when 1016 01:20:02.840 --> 01:20:09.399 it comes to constructive evictions. Okay, so you're renting. In this case, 1017 01:20:09.439 --> 01:20:13.039 they discovered black mold. They immediately went to a hotel room. They 1018 01:20:13.039 --> 01:20:15.039 didn't even check to see if the black mold was toxic, if it was 1019 01:20:15.159 --> 01:20:18.159 in the air, if the landlord would fix it. They just left. 1020 01:20:19.159 --> 01:20:26.600 Okay, Now they wouldn't go back, so they proceeded to find another apartment 1021 01:20:27.920 --> 01:20:30.720 and they left. That's it. They just stopped paying rent and left. 1022 01:20:30.079 --> 01:20:36.039 They had eight months left on their lease. This landlord can go after them 1023 01:20:36.079 --> 01:20:42.880 for the money. What you're supposed to do is notify the landlord that there's 1024 01:20:42.920 --> 01:20:46.920 a health or safety violation and that it must be fixed. It's inhabitable, 1025 01:20:48.000 --> 01:20:51.079 and it must be fixed within a reasonable amount of time. You can give 1026 01:20:51.119 --> 01:20:57.800 them seven days, ten days, some people say thirty days. There's reasonable. 1027 01:20:58.079 --> 01:21:00.520 There's really no one number that count. It depends on what it is. 1028 01:21:01.600 --> 01:21:04.920 And then if they don't fix it, You can say I'm going to 1029 01:21:04.960 --> 01:21:09.720 withhold rent and fix it myself, but you have to fix it. You 1030 01:21:09.880 --> 01:21:14.840 can't just withhold rent. The other thing people do is say, well, 1031 01:21:15.079 --> 01:21:19.720 then I'm leaving, and then they go about evicting themselves. That's why it's 1032 01:21:19.760 --> 01:21:26.640 called the constructive eviction. You're leaving. Now the landlord can say you didn't 1033 01:21:26.640 --> 01:21:28.640 have a reason to do that. You have, so you have to be 1034 01:21:28.760 --> 01:21:33.359 ready to show proof that it was dangerous or it was unsafe in some way 1035 01:21:33.840 --> 01:21:42.760 or unhealthy and get expert opinions and testing. If it's black mold, you 1036 01:21:42.960 --> 01:21:46.159 can't just say I don't like it and leave. Well, you can, 1037 01:21:46.279 --> 01:21:49.000 but you're not going to get reimbursed, and in fact, they might be 1038 01:21:49.079 --> 01:21:54.039 able to come after you for breach of contract or breach of the lease, 1039 01:21:54.960 --> 01:22:01.720 so be careful. If you're in that situation, call us first. Then 1040 01:22:01.800 --> 01:22:06.920 we have a situation where people sign for a room in a house, not 1041 01:22:08.159 --> 01:22:11.960 necessarily the whole house, but a room plus common areas. Those are the 1042 01:22:12.039 --> 01:22:15.640 most risky leases you can have because you're living with three people unaffiliated with you, 1043 01:22:16.239 --> 01:22:18.920 and if you all don't get along, it's hell to pay because you 1044 01:22:19.039 --> 01:22:23.079 just signed a year's lease, then if they want to get rid of you, 1045 01:22:23.199 --> 01:22:26.960 they can make life difficult for you. So I never recommend those kinds 1046 01:22:26.960 --> 01:22:30.880 of leases, although there are more and more of them showing up. Because 1047 01:22:30.920 --> 01:22:34.199 people can't afford a place by themselves. It's better to get someone you know, 1048 01:22:35.479 --> 01:22:40.039 a friend or relative. Even that's not perfect, but it's better to 1049 01:22:40.159 --> 01:22:45.760 do that than this other way. The only benefit this way is when you 1050 01:22:45.880 --> 01:22:50.560 go in and get a room and you have common areas and you have other 1051 01:22:50.680 --> 01:22:54.800 roommates, at least you're not on the hook for the whole rent, even 1052 01:22:54.880 --> 01:22:58.439 if one of the roommates flakes out. Okay, because when you go in 1053 01:22:58.520 --> 01:23:01.760 with a friend or relative, those leases usually say that both of you are 1054 01:23:01.800 --> 01:23:05.760 responsible for all of it. So that's a problem because if you go in 1055 01:23:05.920 --> 01:23:09.479 like a friend and rent a place, right, we've had this happen where 1056 01:23:09.520 --> 01:23:13.359 friends go in and rent a place, then they have an argument or one 1057 01:23:13.439 --> 01:23:16.920 friend is a deadbeat, the other friend isn't. One friend leaves, that 1058 01:23:17.159 --> 01:23:21.199 one friend who remains is on the hook for everything. Whereas if you go 1059 01:23:21.439 --> 01:23:27.560 and rent a room and a common area in the house like the kitchen and 1060 01:23:27.680 --> 01:23:30.600 living room, but you all have your own room, those are separate leases 1061 01:23:30.800 --> 01:23:38.239 for each one of you, so renting is very difficult people, It's very 1062 01:23:39.439 --> 01:23:45.239 very difficult. I was thinking of a business because of how expensive things are, 1063 01:23:46.199 --> 01:23:50.159 and I don't know how exactly I would structure it, but it would 1064 01:23:50.199 --> 01:23:56.239 almost be like a co op where an owner, let's say it, such 1065 01:23:56.279 --> 01:23:59.760 as myself or an investor, would own a piece of real estate and then 1066 01:23:59.800 --> 01:24:02.720 you buy into it. You don't have to buy the whole thing, so 1067 01:24:02.920 --> 01:24:06.279 we each own part of that unit, so you have some skin in the 1068 01:24:06.359 --> 01:24:10.560 game. It's yours, but I own part of it to keep the cost 1069 01:24:10.640 --> 01:24:15.079 down. I'm not sure how that would be structured, but I don't think 1070 01:24:15.119 --> 01:24:19.640 it's an entirely terrible idea because if you flake and leave, you give up 1071 01:24:19.680 --> 01:24:27.119 your ownership. If you stay, you have equity if you want to sell 1072 01:24:27.159 --> 01:24:31.000 your part. So I don't know, I mean it would it would require 1073 01:24:31.119 --> 01:24:35.920 some thought to do that properly. But we have to come up with innovative, 1074 01:24:36.000 --> 01:24:40.680 innovative ways to get people a place to live. I mean, I 1075 01:24:40.840 --> 01:24:44.199 feel bad for young people who are working their asses off and they can't afford 1076 01:24:44.239 --> 01:24:46.159 a place to live. I mean, they can't live with their parents. 1077 01:24:46.199 --> 01:24:53.159 The whole time now three ozho three seven to one three talk three oh three 1078 01:24:53.239 --> 01:24:57.439 seven one three eight two five five. On another tex somebody was asking about 1079 01:24:57.439 --> 01:25:01.439 the E four seventy tolls that we were talking about the other day. Four 1080 01:25:01.600 --> 01:25:08.479 seventy will assess a toll to you, plus penalties and interest if you ignore 1081 01:25:08.520 --> 01:25:14.239 their notices. If you don't have an updated address on your registration or title, 1082 01:25:14.359 --> 01:25:18.159 you better have it because you won't know you're getting those notices. And 1083 01:25:18.319 --> 01:25:24.159 those tolls can be doubled when I mean not the tolls themselves, but the 1084 01:25:24.279 --> 01:25:29.680 tolls the bill could be double when you consider the interest in penalties. And 1085 01:25:29.840 --> 01:25:35.760 that's E four seventy. Now. I said before the break that the one 1086 01:25:35.840 --> 01:25:41.640 thing about this show is that we absolutely have no one to protect. Ever. 1087 01:25:42.399 --> 01:25:45.000 We have sponsors and we love them. We have the referral list. 1088 01:25:45.079 --> 01:25:47.000 We love them. But you know what, we love them until we don't. 1089 01:25:47.479 --> 01:25:50.560 But that doesn't normally happen. I think over the years, I've maybe 1090 01:25:50.640 --> 01:25:56.560 bounced two clients all together. I mean, it doesn't happen often because we 1091 01:25:56.680 --> 01:26:01.479 vet them beforehand and we constantly are continually monitor them. There have been times 1092 01:26:01.560 --> 01:26:06.840 we've parted with clients on a friendly basis, But they just I didn't. 1093 01:26:06.920 --> 01:26:11.319 They were not my cup of tea. They did not I don't think, 1094 01:26:11.439 --> 01:26:15.680 handled things properly. They weren't dishonest, they weren't crooked, but not my 1095 01:26:15.800 --> 01:26:21.720 cup of tea. So we parted as friends. Let's say now, but 1096 01:26:23.000 --> 01:26:30.000 let's talk about the biggest complaint. I get about good and bad people, 1097 01:26:30.239 --> 01:26:35.479 but mostly about good people. The biggest com plan I get. If I 1098 01:26:35.560 --> 01:26:40.279 had to sum up all the complaints I get, what do you think the 1099 01:26:40.319 --> 01:26:45.359 biggest complaint is? What do you think it is. I'm not talking about 1100 01:26:45.399 --> 01:26:47.279 out and out ripoffs. I'm not talking about ripoffs. I'm talking about a 1101 01:26:47.359 --> 01:26:58.880 complaint that is the most common complaint I get. That is pricing. I 1102 01:26:59.079 --> 01:27:08.039 swear to god, people are just wild about pricing. Now here's some of 1103 01:27:08.079 --> 01:27:14.199 the problems. A company comes into your home. It's mostly services companies. 1104 01:27:15.159 --> 01:27:19.119 Sometimes it's attorneys and other things. But what I don't understand is you're giving 1105 01:27:19.159 --> 01:27:25.079 a price up front and you approve it. You approve it. Why why 1106 01:27:25.119 --> 01:27:28.840 would you approve it? If you're questioning that prece are you thinking, well, 1107 01:27:28.880 --> 01:27:31.039 I'm going to sign it? Don't ever think this? Well, Tom 1108 01:27:31.119 --> 01:27:34.399 Martine recommends him, so it must be the lowest price. That'll never happen. 1109 01:27:35.039 --> 01:27:39.479 It doesn't mean it's the highest price either, But don't sign it if 1110 01:27:39.520 --> 01:27:43.239 you don't like the price. If you have a question about the price, 1111 01:27:44.479 --> 01:27:49.760 research it. Now. Unfortunately, there's nothing at a bargain anymore. Nothing 1112 01:27:50.039 --> 01:27:56.199 is a bargain. Not windows, not doors, not siding, not roofing, 1113 01:27:56.800 --> 01:28:01.640 not appliances, not appliance repair, not furnaces, not water, well 1114 01:28:01.680 --> 01:28:05.800 water heaters. We have europlumbing. That's the one area where he's still doing 1115 01:28:05.880 --> 01:28:12.399 some screaming deals. But in general, you're not gonna find bargains. You're 1116 01:28:12.439 --> 01:28:16.119 gonna find value, maybe great rate systems at great prices, but you're not 1117 01:28:16.239 --> 01:28:20.399 gonna find anything cheap or and expensive. You're just not okay. That goes 1118 01:28:20.439 --> 01:28:25.960 for auto repair and everything. So don't sign it up front and then call 1119 01:28:26.079 --> 01:28:29.920 me and say I was told by my brother in law that's too much money. 1120 01:28:30.239 --> 01:28:33.479 Do research. There's nothing to prevent you from doing research before you call 1121 01:28:33.560 --> 01:28:36.239 them to your house. Now, I know, in an emergency, if 1122 01:28:36.279 --> 01:28:40.439 you need something, you need a furnace, or you need air and it's 1123 01:28:40.560 --> 01:28:44.159 freezing out and all that, you know, you tend to make a decision 1124 01:28:44.199 --> 01:28:47.039 because you need it. But even in those cases, that can be prevented 1125 01:28:47.600 --> 01:28:54.279 by simply doing some homework. In other words, well not homework, proactive 1126 01:28:54.359 --> 01:28:59.039 maintenance. Before it's extremely cold, and I mean, I'm gonna be telling 1127 01:28:59.079 --> 01:29:03.439 you this in about a month or so, start looking at your furnace. 1128 01:29:04.359 --> 01:29:09.439 So if someone says, hey, you need a new furnace, you're not 1129 01:29:09.840 --> 01:29:15.680 so damn cold and afraid that not to get it that you have time saying 1130 01:29:15.760 --> 01:29:19.640 hmm. He says, my furnace needs to be replaced and it's going to 1131 01:29:19.720 --> 01:29:28.560 cost this much. And by the way, always compare and always shop. 1132 01:29:28.680 --> 01:29:32.520 That's the only thing that will give you an edge. That doesn't mean you're 1133 01:29:32.520 --> 01:29:38.880 going to find something cheap, but maybe cheaper or less expensive. The point 1134 01:29:39.039 --> 01:29:43.600 is, don't call afterwards. I've even had people call. Listen to this. 1135 01:29:45.319 --> 01:29:49.600 One person said fourteen to five. They had a furnace and AC put 1136 01:29:49.680 --> 01:29:57.159 in for fourteen to five, and they literally told us that they thought it 1137 01:29:57.279 --> 01:30:01.960 was fourteen hundred five, fourteen hundred five dollars fourteen to five. Come on, 1138 01:30:03.079 --> 01:30:06.880 now, if you really believe that you did sign something. But here's 1139 01:30:06.920 --> 01:30:10.720 another complaint I get, and I don't know what to do about this, 1140 01:30:10.840 --> 01:30:13.920 but I'm going to talk to our companies about it. Do you know that 1141 01:30:14.119 --> 01:30:17.439 nowadays when they have you sign like hold on, hold on, Yeah, 1142 01:30:18.520 --> 01:30:21.920 you sign on these things. You sign on on iPads. Now, you 1143 01:30:23.000 --> 01:30:26.000 don't even sign on paper or clipboard. Some of them have them. So 1144 01:30:26.119 --> 01:30:29.439 they put they put an iPad in front of you and say here, and 1145 01:30:29.560 --> 01:30:32.520 you see prices, right, and you see conditions, you sign, and 1146 01:30:32.680 --> 01:30:38.279 that's the last you see it. The only the only time you get a 1147 01:30:38.359 --> 01:30:40.920 copy of that is when they get back to the office and they email it 1148 01:30:41.000 --> 01:30:45.279 to you. Now, I'm hoping there's a way you get an email to 1149 01:30:45.359 --> 01:30:48.319 you immediately. In fact, I would want to email to me before I 1150 01:30:48.479 --> 01:30:51.520 signed it, or if I'm gonna sign it, I want to read it. 1151 01:30:51.800 --> 01:30:56.680 And it's very intimidating. When it's on an iPad and they say go 1152 01:30:56.760 --> 01:31:00.760 ahead and sign, it's very intimidating. And then you don't get a copy 1153 01:31:00.880 --> 01:31:05.039 right away. So all of these things are all new age, they're new 1154 01:31:05.600 --> 01:31:11.560 the way we do things now. But again, pricing is the number one 1155 01:31:11.640 --> 01:31:17.439 complaint, the number one now as far as financial products. As I say, 1156 01:31:17.479 --> 01:31:21.720 we talk a lot about finances on this show, and I have guests 1157 01:31:21.800 --> 01:31:26.680 on today, and we're going to talk about that. But I will get 1158 01:31:26.800 --> 01:31:30.520 to those questions that you asked, no matter how tough they are. Now, 1159 01:31:30.680 --> 01:31:34.359 Phil, you have an issue with an Apple laptop. I want to 1160 01:31:34.399 --> 01:31:38.560 ask you something out of curiosity. Here, Phil, is it a new 1161 01:31:38.760 --> 01:31:45.079 laptop? Yeah? I just bought a laptop from Walmart. I see it 1162 01:31:45.279 --> 01:31:50.000 was on sale. It was like three dollars. Wait, wait, wait, 1163 01:31:50.199 --> 01:31:56.760 an Apple laptop, an Apple for three hundred dollars. Yeah, over 1164 01:31:56.840 --> 01:32:00.520 at Walmart it was on sale. It was like the model is it dollars? 1165 01:32:00.239 --> 01:32:02.520 You know, I don't even know the model. I don't know anything 1166 01:32:02.560 --> 01:32:04.960 about these computers. All right, hold on, Phil, I'll come right 1167 01:32:05.000 --> 01:32:08.760 back to all right, Cameo, I will. I'll come right back to 1168 01:32:08.960 --> 01:32:12.119 Cameo. And you're calling about shop. Oh, I know what you're calling 1169 01:32:12.159 --> 01:32:15.079 about. I looked up your call. You hang on. We got more 1170 01:32:15.119 --> 01:32:16.880 coming up on the Troubleshooter Show. Three all three seven, one three A 1171 01:32:17.000 --> 01:32:23.279 two five five. Hey, you want to know something. KH Home Solutions 1172 01:32:23.920 --> 01:32:28.359 is the people I would call for the best windows right now, and I've 1173 01:32:28.399 --> 01:32:32.920 looked at them Alpen windows made right here in Colorado, commercial windows before. 1174 01:32:33.039 --> 01:32:38.159 But now they're in the residential market and K and H the oldest home improven 1175 01:32:38.239 --> 01:32:43.199 company in Colorado. K and H is the one offering these windows. You 1176 01:32:43.279 --> 01:32:47.000 will love them, made right here in Colorado. Great pricing, but more 1177 01:32:47.079 --> 01:32:55.920 than anything, great quality, thermally insulated, and man are they energy efficient. 1178 01:32:56.039 --> 01:33:01.399 As with all kh's products. Kwindows dot Com is the website KH Home 1179 01:33:01.439 --> 01:33:04.840 Solutions three oh three four two one seventy one hundred four to one seven one 1180 01:33:04.960 --> 01:33:11.079 zero zero. Now I love talking about bathrooms, especially when it comes to 1181 01:33:11.159 --> 01:33:14.479 discount bath because they do the whole bath at a discount, hence the name 1182 01:33:14.600 --> 01:33:17.439 discount bath. I love when the name says it all. They'll give you 1183 01:33:17.640 --> 01:33:21.239 prices up front, they'll show you what they have. They have imaging software 1184 01:33:21.640 --> 01:33:25.039 so you can see what the bathroom will look like, whether it's a half 1185 01:33:25.119 --> 01:33:28.279 bath in a hallway, a five piece bath, a whole bath, a 1186 01:33:28.359 --> 01:33:30.760 big master bath, whatever it is, they can do it, and they 1187 01:33:30.800 --> 01:33:33.319 do it at a discount. Their theory is simple, we can do great 1188 01:33:33.399 --> 01:33:36.600 products and we don't have to mark up each and everything, so we can 1189 01:33:36.680 --> 01:33:42.479 give people discounts and we're happy to talk to them about prices upfront. So 1190 01:33:42.640 --> 01:33:45.079 give them a call and find out what they can do for you. They're 1191 01:33:45.199 --> 01:33:53.479 good people and you can trust them. Discountbath dot com seven two zero nine 1192 01:33:53.800 --> 01:33:59.560 seven nine two three two two. That's seven two zero nine seven nine twenty 1193 01:33:59.640 --> 01:34:05.159 three two. You know who else you can trust Because I'm telling you of 1194 01:34:05.359 --> 01:34:09.359 all the purchase I've made for my home. I've said this before. It's 1195 01:34:09.439 --> 01:34:13.720 not that I don't like the other purchases, but nothing gave me the immediate 1196 01:34:14.039 --> 01:34:19.720 payoff as Qccolorado dot com. That's the whole house fan Quiet Cool. What 1197 01:34:19.920 --> 01:34:24.800 it does is simple. It evens out the tempts in your home. It 1198 01:34:24.880 --> 01:34:29.840 does with this whole house fan keeping the air moving and circulating, it destratifies 1199 01:34:29.880 --> 01:34:33.760 the air that in and of itself with nothing else. That alone keeps your 1200 01:34:33.880 --> 01:34:40.239 air conditioner working less. But now add to that the cool mornings and cool 1201 01:34:40.279 --> 01:34:43.760 evenings we have in Colorado. You don't have to run your AC all day 1202 01:34:44.119 --> 01:34:45.800 and then wait for it to cool down at night. So you see a 1203 01:34:45.840 --> 01:34:48.600 lot of people, a lot of people run it all day because they don't 1204 01:34:48.640 --> 01:34:50.840 want it to get really hot. You don't have to worry about that with 1205 01:34:50.920 --> 01:34:54.760 a whole house fan. Turn it off, leave the house, go to 1206 01:34:54.840 --> 01:34:57.840 work when you get back, no matter how hot it is. In less 1207 01:34:57.960 --> 01:35:00.239 than ten minutes, it cools down and then you air conditioner can kick on 1208 01:35:00.319 --> 01:35:03.000 when needed. You're gonna save money. Let's just put it that way. 1209 01:35:03.119 --> 01:35:09.239 Qccolorado dot com one of the best purchases I ever made. It's remote controlled 1210 01:35:09.279 --> 01:35:12.560 and the wiring in the walls. They do it in like an hour and 1211 01:35:12.600 --> 01:35:15.840 a half and you're just gonna love it. Okay. Three oh three, 1212 01:35:15.920 --> 01:35:24.000 eight hundred thirty four nineteen three three eight hundred thirty four nineteen Hi Tom Martino, 1213 01:35:25.760 --> 01:35:29.560 Phil, what is your problem with the Apple laptop that you bought? 1214 01:35:31.119 --> 01:35:40.680 Well, she's got an old Apple laptop, our eyepad or whatever you want 1215 01:35:40.720 --> 01:35:42.920 to call them. Well, it's either or. I mean, it's a 1216 01:35:43.039 --> 01:35:45.640 laptop where it's an iPad. I don't know what it is. Is this 1217 01:35:45.800 --> 01:35:49.760 something you just pay go ahead as an iPad? But the screens were broken 1218 01:35:49.960 --> 01:35:54.560 because she kept dropping it and breaking out. Okay, got it, Okay, 1219 01:35:55.239 --> 01:36:02.920 new a new Apple Pad and it wasn't three hundred dollars. Is two 1220 01:36:03.039 --> 01:36:09.800 hundred and forty nine dollars. Anyways, it's a pod nine. I don't 1221 01:36:09.840 --> 01:36:16.119 know if you know anything about that, And it's a sixty four sl Okay, 1222 01:36:16.199 --> 01:36:20.479 you know what is your will? What is your question about this iPad? 1223 01:36:21.600 --> 01:36:27.800 Well, I bought this for my wife's birthday, which is today, 1224 01:36:28.640 --> 01:36:33.319 and I gave it to her and she went in there and tried to transfer 1225 01:36:33.600 --> 01:36:41.279 from the old iPad all the information to the new iPad. Okay, Evidently 1226 01:36:42.159 --> 01:36:46.359 it blocked her out or something she put in the wrong password. She can't 1227 01:36:46.560 --> 01:36:54.479 think of what password it was or anything for the old she so she doesn't 1228 01:36:54.600 --> 01:37:00.199 have her Apple ID for the old iPad. Of course she does. She 1229 01:37:00.399 --> 01:37:04.800 did like HH or whatever it is. I don't know, Like I said, 1230 01:37:04.840 --> 01:37:09.439 I don't know anything about these computers or films or anything like that. 1231 01:37:09.680 --> 01:37:12.520 I don't thought maybe you couldn't help. Well, let me just tell you 1232 01:37:12.640 --> 01:37:16.720 this, okay. Usually there's two things that could be happening. It could 1233 01:37:16.800 --> 01:37:21.319 be her Apple ID, which would help her transfer everything over from iCloud, 1234 01:37:21.960 --> 01:37:26.640 or it could be she can't even get into it because of her PIN. 1235 01:37:27.079 --> 01:37:29.840 Do you know which one it is? Is it? Are they asking for 1236 01:37:29.960 --> 01:37:34.439 her Apple ID or are they asking for her PIN? They're asking for her 1237 01:37:35.079 --> 01:37:39.199 code number? Right, Okay, that's a PIN. Right. So in 1238 01:37:39.319 --> 01:37:44.880 other words, when she when she started that old iPad. She had a 1239 01:37:44.960 --> 01:37:47.560 pin number she used right, so when it's locked, she unlocks it right, 1240 01:37:48.880 --> 01:37:56.079 right, and she forgot what that pin number is. Yeah, my 1241 01:37:56.279 --> 01:38:00.560 wife's kind of okay now, remembering very well. But you can reset that 1242 01:38:01.399 --> 01:38:05.239 if she if she has her Apple, I d well, I think you 1243 01:38:05.439 --> 01:38:11.520 reset the I think you can with an iPad reset it. But man, 1244 01:38:11.640 --> 01:38:15.880 those are really difficult. Hold on, I'll find out. But hang on, 1245 01:38:15.159 --> 01:38:19.279 we'll try to get one of my Apple experts on. Hold on. 1246 01:38:20.199 --> 01:38:30.079 Cameo, welcome, cameo. I remember you called me about your childcare problem. 1247 01:38:30.359 --> 01:38:35.680 Yes, and as I remember it, did you tell me that your 1248 01:38:35.960 --> 01:38:43.920 automatic withdrawal from Arapahoe County, the Irapa County collected from the father and then 1249 01:38:43.960 --> 01:38:50.680 it would be deposited into your account. Correct? And every time I email 1250 01:38:51.560 --> 01:38:58.359 or contact Arapaho County, they they're very rude. One lady said, I'm 1251 01:38:58.399 --> 01:39:01.000 going to hang up on this woman and make her lose her mind. I 1252 01:39:01.159 --> 01:39:04.520 was on a recorded call and I was still on the phone, and she's 1253 01:39:04.560 --> 01:39:08.159 like, oh, I'm really sorry if that offended you, and I'm like, 1254 01:39:09.079 --> 01:39:12.119 yeah, that definitely offends me, and it would offend anybody with the 1255 01:39:12.199 --> 01:39:16.600 same mind. What I want to know is this, how many payments are 1256 01:39:16.680 --> 01:39:23.800 you missing at this point? There's one week that I have not that I 1257 01:39:23.880 --> 01:39:30.119 didn't receive. The bank claims that it was in my account. It definitely 1258 01:39:30.279 --> 01:39:32.439 was not in my account, or if it was, somebody withdrew it, 1259 01:39:33.479 --> 01:39:41.319 the amount is different. I never have gone to court a Rapahoe County refuses 1260 01:39:41.399 --> 01:39:45.439 to update my information I have received. You know, well, okay, 1261 01:39:45.840 --> 01:39:48.600 okay, that's that doesn't make sense. So let me get one thing at 1262 01:39:48.600 --> 01:39:56.319 a time. Okay. You were getting monthly childcare payments of how much eighty 1263 01:39:56.439 --> 01:40:00.880 two dollars and fifty six cents every week? Okay, and then those checks 1264 01:40:00.920 --> 01:40:05.199 were deposited into your account except for one of them. Is that right? 1265 01:40:08.000 --> 01:40:14.319 Correct? Is this entire issue right now about that one check? No, 1266 01:40:14.520 --> 01:40:20.760 it's way bigger than that. How many checks, Well, the amount is 1267 01:40:20.880 --> 01:40:29.000 in question. I am asking hold on, I'm asking how many checks did 1268 01:40:29.199 --> 01:40:35.680 not get deposited into your account as at this point one I'm still waiting for 1269 01:40:35.800 --> 01:40:40.760 a check for this week. But there's a lot of issues with the Rapahoe 1270 01:40:40.800 --> 01:40:45.199 County. I understand that I'm not asking that right now. I want one 1271 01:40:45.279 --> 01:40:53.359 thing at a time, So you're only missing one check for this week by 1272 01:40:56.520 --> 01:41:00.960 But okay, now, is it reasonable to a zoom that if you received 1273 01:41:01.039 --> 01:41:04.199 all the others, you're gonna get the one for this week, because when 1274 01:41:04.239 --> 01:41:10.920 you called me on July ninth, it was obviously for that week. I 1275 01:41:11.000 --> 01:41:15.720 mean, so you've you've since gotten that check. So so do you think 1276 01:41:15.800 --> 01:41:18.520 you'll get this check, the one that you say you're missing? No? 1277 01:41:19.880 --> 01:41:25.840 So why why you called me July ninth? Okay? You called me July 1278 01:41:26.039 --> 01:41:29.600 ninth, like three weeks ago or two weeks whatever, and you said you 1279 01:41:29.680 --> 01:41:32.319 didn't get a check, but you've gotten that check since then, and now 1280 01:41:32.399 --> 01:41:36.600 you're calling me about the most recent check. Is that right? No, 1281 01:41:36.760 --> 01:41:40.520 sir, I did not get any payment for the first week of July. 1282 01:41:41.039 --> 01:41:45.439 That payment never got Okay, So that's this check you're still calling about, 1283 01:41:45.399 --> 01:41:53.399 yes, sir, Okay, So right now you're calling about one check from 1284 01:41:53.520 --> 01:41:59.720 early July that you never received. Correct, there's that, and there's also 1285 01:42:00.159 --> 01:42:03.520 there's other things in the mail from a Rapahoe County that I was supposed to 1286 01:42:03.600 --> 01:42:09.319 receipt that I have not received, Like what other things that you did not 1287 01:42:09.479 --> 01:42:15.119 receive? EBT food cards? So my daughter can eat okay, and one 1288 01:42:15.199 --> 01:42:19.079 out okay, So hold on one thing at a time. Then the one 1289 01:42:19.279 --> 01:42:25.000 check for eighty two bucks that you never received, your bank claims you did 1290 01:42:25.119 --> 01:42:30.439 receive it. That's what the bank said. And did the banks show you 1291 01:42:30.560 --> 01:42:34.560 where it was deposited. No, they they told me to close my accounts. 1292 01:42:34.600 --> 01:42:43.359 That he didn't want to deal with me anymore, cameo, Can you 1293 01:42:43.760 --> 01:42:50.000 look at your bank statement and see where the check was deposited? Statement? 1294 01:42:50.159 --> 01:42:54.119 No, sir, I wish I could. I'm not allowed to have access 1295 01:42:54.159 --> 01:42:59.880 to my online bank statements. I'm not asking about online, but certainly if 1296 01:42:59.880 --> 01:43:02.439 you went into the bank, they would have to give you a statement on 1297 01:43:02.600 --> 01:43:09.880 your account. Probably. Well, that's what I asked you to do last 1298 01:43:09.920 --> 01:43:14.720 time I wrote this down, that you were going to get your bank statements. 1299 01:43:17.520 --> 01:43:24.359 You see, cameo, If the money was deposited in your bank account, 1300 01:43:26.359 --> 01:43:30.720 then it's going to be one thing. If it was never deposited in 1301 01:43:30.840 --> 01:43:35.039 your bank account, it's going to be another thing. You're claiming that your 1302 01:43:35.199 --> 01:43:42.680 bank, you said, your bank is claiming that they deposited that two dollars 1303 01:43:42.760 --> 01:43:46.479 check that you said you never got. They say you got it. So 1304 01:43:47.000 --> 01:43:56.119 simply ask them for the statement that shows the deposit and then we can trace 1305 01:43:56.319 --> 01:44:00.680 where it went. That's what I'm asking you to do. So I can't 1306 01:44:00.760 --> 01:44:05.159 do that. They won't give it to me. Okay, so it you 1307 01:44:05.239 --> 01:44:14.079 know, sir? Have you since closed that account? They forced you to 1308 01:44:14.640 --> 01:44:17.279 tell me? What is it that would drive a bank to tell you to 1309 01:44:17.439 --> 01:44:20.439 leave? They don't want to do business with you anymore? Why is that? 1310 01:44:23.359 --> 01:44:26.680 So? I asked them to print my bank statements because I wanted to 1311 01:44:26.800 --> 01:44:31.920 see because there's issues with claiming that that my part is being used ACROSSSS in 1312 01:44:32.079 --> 01:44:35.720 California. I said, this doesn't make sense. I live in Colorado. 1313 01:44:36.079 --> 01:44:40.479 Why are there charges for California? And she's like, oh no, that's 1314 01:44:40.520 --> 01:44:43.319 an accurate charge. And I was like, but it's not because I don't 1315 01:44:43.399 --> 01:44:47.680 live in California. Okay, So cameo, how much was charged in California? 1316 01:44:48.880 --> 01:44:51.960 Bob, I don't know. I sprinkled all the charges. This is 1317 01:44:53.039 --> 01:44:56.439 the thing I see what I want to sit down with the lawyer because there's 1318 01:44:56.600 --> 01:44:59.800 a lot of fraudulent things that happened. When I went to the bank, 1319 01:45:00.000 --> 01:45:01.239 I talked to us about well, hold on a second, hold on, 1320 01:45:01.720 --> 01:45:10.319 you're saying that someone got access to your card for my card, my bank 1321 01:45:10.479 --> 01:45:15.319 something I'm not lying about about minus much. That doesn't make any sense. 1322 01:45:15.359 --> 01:45:17.840 Well, you said you were missing one check, so if you count those 1323 01:45:18.000 --> 01:45:21.920 charges, how much? How many illegal charges were made on your account? 1324 01:45:24.079 --> 01:45:29.680 Quite a jew? I'm looking for I kind of my big Well, why 1325 01:45:29.720 --> 01:45:31.800 didn't you send me this stuff when you sent me the email? You didn't 1326 01:45:31.840 --> 01:45:39.359 send me anything that shows these fraudulent charges. No, she's nobody asked me 1327 01:45:40.239 --> 01:45:44.439 any copies of any of this or I definitely would nothing. Okay, Look, 1328 01:45:45.640 --> 01:45:50.119 this is you know, we might need someone to call Deputy Dollar. 1329 01:45:50.319 --> 01:45:56.720 We might need you know, Kitschina, We need Deputy Dollar to do a 1330 01:45:56.800 --> 01:46:03.119 conference call with her in her bank and simply ask simply ask for copies of 1331 01:46:03.279 --> 01:46:13.079 her statements. She's claiming there were several illegal and unauthorized withdrawals, but she's 1332 01:46:13.199 --> 01:46:17.000 not showing us that. She's just saying it happened. She can't even tell 1333 01:46:17.079 --> 01:46:20.960 me how many. So so cameo, what are you looking at when you're 1334 01:46:21.039 --> 01:46:30.319 telling me there were unauthorized charges? What are you looking at? No? 1335 01:46:30.720 --> 01:46:34.960 I'm asking you what gave you the first idea that these charges were made to 1336 01:46:35.039 --> 01:46:48.319 begin with Okay, I'm hearing I can't. I can't. We can't communicate, 1337 01:46:48.439 --> 01:46:51.800 so I need dollar to call her. Here's what I know. What 1338 01:46:51.920 --> 01:47:00.560 she's saying that somehow her child support directly deposited into her account has been accessed. 1339 01:47:01.239 --> 01:47:06.640 She has no record of that whatsoever except of when she looked at it 1340 01:47:06.760 --> 01:47:12.520 one time and then they took away her access. Now, come on, 1341 01:47:13.600 --> 01:47:16.840 even with a closed account, they should be able to give us a complete 1342 01:47:16.920 --> 01:47:23.640 written statement of her account and then we can go through it and find out 1343 01:47:23.840 --> 01:47:30.079 which charges she claims or which which withdrawals she claims she never made. But 1344 01:47:30.279 --> 01:47:35.640 without that, we have nothing, and I don't know of any bank that 1345 01:47:35.800 --> 01:47:43.039 would refuse to give you copies of your statement. So hold on three OHO 1346 01:47:43.079 --> 01:47:48.319 three seven to one three talk. You know. Red Rocks Roof and Solar 1347 01:47:49.119 --> 01:47:55.600 is a great complete solar company that handles each aspect of the system. Not 1348 01:47:55.800 --> 01:47:59.720 only do they sell these systems and get you under contract, but then they 1349 01:47:59.800 --> 01:48:03.399 get guarantee an activation date, they do the installation, and they do service. 1350 01:48:04.479 --> 01:48:11.000 So you can rest assured that you'll be taken care of with Redrocks rs 1351 01:48:11.159 --> 01:48:14.960 dot com that stands for Red Rocks Roof and solar. In fact, commercial 1352 01:48:15.079 --> 01:48:18.760 systems they can do as well, and they can do grants to help get 1353 01:48:18.800 --> 01:48:24.640 them paid for. 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Whatever you want they 1362 01:49:05.840 --> 01:49:13.800 have and you can get prices on the phone. Theartogranit dot com three O 1363 01:49:13.920 --> 01:49:18.000 three three eight six fifty nine nineteen three oh three three eight six fifty nine 1364 01:49:18.119 --> 01:49:25.079 nineteen. Hey, if you're looking for the best deal ever on water heaters, 1365 01:49:25.479 --> 01:49:30.239 you're never going to find anyone who can touch these prices. From Europlumbing 1366 01:49:30.960 --> 01:49:36.079 Colorado dot net. They will put in a forty gallon tank for thirteen ninety 1367 01:49:36.159 --> 01:49:44.720 nine fully installed a new flexgas line and new water supply lines, and they'll 1368 01:49:44.760 --> 01:49:49.680 tear out and haul away the old one that's thirteen ninety nine fourteen ninety nine 1369 01:49:49.760 --> 01:49:54.960 gets you a fifty gallon. You don't beat their prices, ever, why 1370 01:49:55.000 --> 01:49:59.560 don't you call and find out more? Europlumbing Colorado dot net three oh three 1371 01:50:00.279 --> 01:50:05.239 sixty six eight six eight four four. Hey, a state planning doesn't have 1372 01:50:05.399 --> 01:50:11.039 to be complicated. If you want a will, if you want a trust, 1373 01:50:11.840 --> 01:50:15.039 if you need a couple trusts, or a combination of a trust and 1374 01:50:15.119 --> 01:50:19.079 a will, a living will, any kind of directives, all of it 1375 01:50:19.199 --> 01:50:24.000 can be done through Keel and Park. And here's what's great about it. 1376 01:50:24.079 --> 01:50:26.840 When you talk to Kiel and Park and they go over your whole estate, 1377 01:50:26.920 --> 01:50:31.359 that's all complimentary. Then they come up with flat rate pricing and suggestions. 1378 01:50:32.119 --> 01:50:35.960 Then you'll know exactly what everything will cost. But all of it, to 1379 01:50:36.079 --> 01:50:40.119 find out is complimentary. Once you find out what you want to do, 1380 01:50:40.640 --> 01:50:45.840 then you'll know the price. It's such an easy, simple way of doing 1381 01:50:45.920 --> 01:50:54.560 a state planning. Keel and Park LAWKP dot com stands for Killing Park LAWKP 1382 01:50:54.760 --> 01:50:59.840 dot com nine seven zero eight one eight eight one nine eight nine seven zero 1383 01:51:00.119 --> 01:51:12.680 eight one eight eight one nine eight Hi Tom Martino here three oh three seven 1384 01:51:12.760 --> 01:51:16.119 one three talk three oh three seven one three eight two five five. Hey 1385 01:51:16.199 --> 01:51:20.520 Bonnie, you have an iPad, an old one, and you have a 1386 01:51:20.560 --> 01:51:24.800 new one, and you want to transfer data from the old one to the 1387 01:51:24.880 --> 01:51:30.159 new one. Is that right? But you but you can't open the old 1388 01:51:30.239 --> 01:51:33.399 one because you forgot your key, your pass code. No, I got 1389 01:51:33.479 --> 01:51:40.039 my old one going, but I can't get my new one going. Oh 1390 01:51:40.600 --> 01:51:44.560 wait a minute, why can't you get the new one going? I have 1391 01:51:44.720 --> 01:51:48.079 no idea. Oh I thought Phil said you could not get the data from 1392 01:51:48.119 --> 01:51:51.399 your old one onto your new one. So when you turn on your to 1393 01:51:51.560 --> 01:51:55.199 I want to take the data. I get it old one, Yeah, 1394 01:51:55.399 --> 01:51:59.840 I get it now. The best way to do that, Bonnie, would 1395 01:51:59.840 --> 01:52:03.600 be to take the data from that old one and load it onto iCloud so 1396 01:52:03.720 --> 01:52:08.399 it's always there, and then you take it from eye cloud and put it 1397 01:52:08.479 --> 01:52:12.840 on your new iPad. But when you say you can't get when you say 1398 01:52:12.920 --> 01:52:16.239 you can't get your iPad going, what do you mean when does it turn 1399 01:52:16.359 --> 01:52:23.039 on? Yeah, it don't turn on, but the newer GISs hello? 1400 01:52:23.279 --> 01:52:27.359 And then that's all I can get on it. Okay, it says a 1401 01:52:27.439 --> 01:52:30.800 hello, old one, the old one. She doesn't have internet. We 1402 01:52:30.960 --> 01:52:40.079 have Century Length and we're canceling them and going to Affinity on Friday. And 1403 01:52:40.399 --> 01:52:43.359 I don't know if that's going to make a difference or not. When you 1404 01:52:43.439 --> 01:52:45.159 say you don't have internet, what do you mean? It's a Wi Fi 1405 01:52:45.439 --> 01:52:51.319 unit And all you have to do is sign into the internet. See, 1406 01:52:53.159 --> 01:52:58.399 you have to sign into your Internet like you do with anything, like you 1407 01:52:58.479 --> 01:53:01.119 do with a computer, you do with your phone. But once you sign 1408 01:53:01.239 --> 01:53:04.039 on, you're there. But Bonnie, if you can hang on, I 1409 01:53:04.399 --> 01:53:13.159 mean, I don't I think you're with the iPad. There's a continue arrow 1410 01:53:13.760 --> 01:53:16.880 where it says hello, and you just clicked that button. Hit that button. 1411 01:53:17.560 --> 01:53:19.840 Hold on and I'll see if I can walk you through some of it 1412 01:53:28.399 --> 01:53:36.239 ripped up. Need advice, so you don't have come running, Just as 1413 01:53:36.880 --> 01:53:45.239 we can. Shooter's gonna help come man. This is the Troubleshooter Show. 1414 01:53:45.880 --> 01:53:49.159 No Tom Martino, Hello Tom Martino here, Welcome to the show. We 1415 01:53:49.239 --> 01:53:53.840 are here to help you solve problems, answer questions, take complaints, make 1416 01:53:53.880 --> 01:53:56.960 your life a little easier. There's how brought to you by Compass Insurance Group, 1417 01:53:57.520 --> 01:54:02.119 home of the free insurance checkups three oh three six nine nine six nine 1418 01:54:02.199 --> 01:54:06.680 thousand. So anyway, on Apple products, let me just explain this to 1419 01:54:06.720 --> 01:54:14.680 you. Apple products have a number of ways of storing data. You can 1420 01:54:14.760 --> 01:54:18.439 store it locally on the iPad itself or the laptop or whatever, Okay, 1421 01:54:18.520 --> 01:54:25.840 locally on the unit, or you can store it on the unit end in 1422 01:54:25.960 --> 01:54:32.159 the iCloud in the cloud, and then that account can sync all of that 1423 01:54:32.399 --> 01:54:36.840 data to all of your devices. So let's just take something simple like pictures. 1424 01:54:38.640 --> 01:54:41.439 Let's say you have pictures picks, right, so you have them on 1425 01:54:41.560 --> 01:54:45.520 your phone, They go to the eicloud, they come down to your laptop, 1426 01:54:45.399 --> 01:54:48.359 they go back up to the cloud, and go back down to your 1427 01:54:48.520 --> 01:54:55.399 iPad. Everything is synced. So all of your Apple devices talk to the 1428 01:54:55.479 --> 01:55:01.359 cloud and they can sync your data, contacts, messages, pictures, everything. 1429 01:55:02.199 --> 01:55:05.720 Now, another way to do it is just on the unit itself. 1430 01:55:06.720 --> 01:55:12.760 And if it's just on the unit itself, that proses a problem if you 1431 01:55:12.960 --> 01:55:17.000 can't get in to the unit. Now, remember if you lost your pin 1432 01:55:17.399 --> 01:55:25.319 your passcode to get into your iPad. If you did, you can't get 1433 01:55:25.359 --> 01:55:29.680 into it to get your data, and since your data is not on the 1434 01:55:29.800 --> 01:55:32.079 cloud, you can't put it on any other device. Now, if it 1435 01:55:32.199 --> 01:55:36.680 was on the cloud, it wouldn't matter if you could get into any particular 1436 01:55:38.199 --> 01:55:43.079 device because it's still in the cloud. Now, let's talk about another problem. 1437 01:55:43.239 --> 01:55:45.439 And I think this is a very simple one. That's what I thought 1438 01:55:45.520 --> 01:55:50.520 Bonnie was calling about. But Bonnie basically has a new iPad her husband bought 1439 01:55:50.520 --> 01:55:55.359 her for her birthday, and she wants to take the old stuff from her 1440 01:55:55.399 --> 01:55:58.000 old iPad and put it on her new one. And she can do that, 1441 01:55:58.600 --> 01:56:02.479 but she says she can't get her new one going. Well, Bonnie, 1442 01:56:02.920 --> 01:56:06.439 you say that when you turn on the new one, all you see 1443 01:56:08.600 --> 01:56:11.479 it says hello to you, right, It like writes out hello? Is 1444 01:56:11.560 --> 01:56:15.359 that right? Yeah? Okay, Well, let me tell you that, 1445 01:56:15.000 --> 01:56:20.279 depending on the model that you have the new one, when it says hello, 1446 01:56:20.960 --> 01:56:27.840 there's either a home button you have to press, or there's a circle 1447 01:56:27.960 --> 01:56:31.319 with a little arrow in it at the bottom of the screen and you press 1448 01:56:31.359 --> 01:56:34.800 it and goes to next. What that's doing is setting up it's going to 1449 01:56:34.880 --> 01:56:39.399 ask you what country you're in, what language you want, and all of 1450 01:56:39.479 --> 01:56:44.119 that. So that's when you say you can't get your new one going. 1451 01:56:44.880 --> 01:56:48.159 I'm sure it's something that simple. And if you can't figure that out, 1452 01:56:48.399 --> 01:56:55.680 it might be hoove you to just get an appointment at the Genius Bar and 1453 01:56:55.760 --> 01:56:59.760 they'll help you set it up and transfer your data. They're really good at 1454 01:56:59.800 --> 01:57:05.359 that. In the meantime, Tom, I appreciate all your help, sure, 1455 01:57:05.800 --> 01:57:11.119 but I think that she would feel a lot better if everybody in the 1456 01:57:11.920 --> 01:57:16.000 in the radio station would sing a happy birthday to her, and then she'd 1457 01:57:16.079 --> 01:57:23.640 leave me alone. Thank you. Okay, Well, who's going to sing 1458 01:57:23.760 --> 01:57:30.840 happy birthday, Kachina? Well, wouldn't that be you? Well, I 1459 01:57:30.000 --> 01:57:36.439 need music. We can't sing that song, Oh, because it's copyrighted. 1460 01:57:36.640 --> 01:57:42.039 Conrect you, liar, liar, pants on fire? Not really, would 1461 01:57:42.079 --> 01:57:46.880 we be blocked out for doing that? The answer is yes. Oh man, 1462 01:57:47.359 --> 01:57:50.359 hey, Phil, no fool, and we're not allowed now. Even 1463 01:57:50.439 --> 01:57:55.119 if we sang it ourselves right, we can't do it right. Correct. 1464 01:57:56.199 --> 01:58:00.279 It's a protected song, Phil, That's why you know. That's why in 1465 01:58:00.439 --> 01:58:04.760 restaurants and stuff they sing happy, happy, Happy, happy birthday, birthday, 1466 01:58:04.840 --> 01:58:09.439 or they sing first she is a jolly good fellow or whatever, but 1467 01:58:10.279 --> 01:58:15.439 we will say happy. How about just saying it. Yeah, happy, 1468 01:58:15.600 --> 01:58:19.760 happy birthday, Bonnie. How old is Bonnie? Tell it Bonnie, Monni? 1469 01:58:20.079 --> 01:58:24.159 Tell Tom how long we been married? And how old were you when 1470 01:58:24.239 --> 01:58:27.000 we got married? Kill them? Yeah? How long you've been married? 1471 01:58:27.159 --> 01:58:30.359 He was eighteen. I don't know what I was doing. He was eighteen? 1472 01:58:30.520 --> 01:58:35.880 And how old were you? Seventeen? And how long you've been married? 1473 01:58:36.880 --> 01:58:44.399 Fifty seven years? Wow? That is wonderful, hey man, No, 1474 01:58:44.560 --> 01:58:47.640 no, no, that's really cool. You've been married fifty seven years. 1475 01:58:48.359 --> 01:58:53.960 Holy crap. You know what it is? Your whole life electic? 1476 01:58:54.600 --> 01:58:58.239 Hey, Tom, I was in the electronic business, and I remember talking 1477 01:58:58.239 --> 01:59:00.600 to you. You are you always say were you in the radio? Of 1478 01:59:00.680 --> 01:59:04.520 course I was in the radio. I was in electronics. I fixed radios, 1479 01:59:04.600 --> 01:59:13.560 I fixed TVs. Everything I know Frit Schmidt and and and pistols were 1480 01:59:13.800 --> 01:59:15.880 I remember you? I remember you, Phil, And I'm so happy we 1481 01:59:16.000 --> 01:59:19.359 heard from Bonnie. It would be really better if your name was Clyde. 1482 01:59:19.439 --> 01:59:24.640 Then it would have been Bonnie and Clyde. But it's okay, yes Bonnie, 1483 01:59:24.680 --> 01:59:29.560 and yes, yeah Bonnie and Clyde. I listen. That is cool. 1484 01:59:30.000 --> 01:59:34.520 So but really, on a serious note, though, a happy anniversary 1485 01:59:34.600 --> 01:59:40.000 whenever it is. That's a wonderful thing that you guys have stayed married and 1486 01:59:40.119 --> 01:59:43.800 you love each other, and he bought you a brand new Uh, that's 1487 01:59:43.920 --> 01:59:50.159 nice that he brought you a brand new whatever? Can you iPad? Can 1488 01:59:50.239 --> 01:59:55.159 you believe it? Paid one hundred and forty two hundred and forty nine dollars 1489 01:59:55.199 --> 01:59:59.359 for that? No, that's a good deal. Probably an older generation, 1490 01:59:59.520 --> 02:00:02.840 but hell, that's all that you need. I like you're a good guy. 1491 02:00:03.000 --> 02:00:08.960 Good guy. That's wonderful anyway, So congratulations to both of you. 1492 02:00:09.079 --> 02:00:13.159 Thanks for calling me. Three oh three seven one three talks seven one three 1493 02:00:13.279 --> 02:00:16.920 eight two five five. I want to talk to Jordan Caiano again. We 1494 02:00:17.079 --> 02:00:23.880 had some questions come up and we talked about annuities and stuff, and people 1495 02:00:23.960 --> 02:00:27.960 ask how much does it cost? Then I got another question on facts a 1496 02:00:28.079 --> 02:00:30.600 text here. I don't know why the hell I keep saying text? Let 1497 02:00:30.680 --> 02:00:34.479 me see where is it? Okay? Where is it? Dog on it? 1498 02:00:35.039 --> 02:00:40.560 It's about it's about expenses, Okay, your your dad said, and 1499 02:00:40.880 --> 02:00:44.560 I misquoted your dad's said, is one tenth of one percent? I said, 1500 02:00:44.640 --> 02:00:47.199 So if a couple had five hundred thousand squirreled away, it'd be five 1501 02:00:47.279 --> 02:00:50.439 thousand. It wouldn't be. It's only five hundred dollars a year. I 1502 02:00:50.479 --> 02:00:55.479 mean, that's incredible. That's that's one tenth of one percent. Are those 1503 02:00:55.800 --> 02:01:00.760 all the fees or are there commissions on top of that? Those are all 1504 02:01:00.800 --> 02:01:04.479 the fees. The only additional fee that it could potentially be would be some 1505 02:01:04.640 --> 02:01:09.159 of the allocation options, some of the choices. Some of the videos might 1506 02:01:09.319 --> 02:01:13.640 like we personal advise these, but there's some additional allocation choices where you can 1507 02:01:13.720 --> 02:01:16.439 park the money and how it's invested. Those could have additional fees like one 1508 02:01:16.479 --> 02:01:19.800 percent. Now, what do you mean? Would give me an idea like 1509 02:01:19.880 --> 02:01:24.640 an ETF fund or something? No, not for se like usually like most 1510 02:01:24.640 --> 02:01:28.359 of the accounts have like maybe ten to twenty different ways that you can choose 1511 02:01:28.399 --> 02:01:30.920 how the money could grow in the market. So like one could be the 1512 02:01:30.039 --> 02:01:34.600 S and P five hundred that's usually one or gold bouyon. Okay, But 1513 02:01:34.720 --> 02:01:42.399 do those investment accounts carry their own expenses? Some may not all of them. 1514 02:01:42.560 --> 02:01:46.119 Some have additional kind of limits that you could reach, like different higher 1515 02:01:46.239 --> 02:01:49.479 caps, or some have maybe with black rock because they like then there could 1516 02:01:49.479 --> 02:01:53.479 be additional fees on some particular ones that they might want to invest in. 1517 02:01:53.840 --> 02:01:56.439 But we help all of our funds. We sit down with them every go 1518 02:01:56.560 --> 02:01:59.840 to show them those which ones that we prefer that are non feed based ones, 1519 02:02:00.159 --> 02:02:02.199 and some that might be a little bit higher if they really want to 1520 02:02:02.199 --> 02:02:05.720 go that route. But no matter what, brow your money. But no 1521 02:02:05.880 --> 02:02:10.520 matter what, when you have this lump sum of money in an annuity. 1522 02:02:10.600 --> 02:02:14.319 Okay, let's say you have the lump sum in an annuity, it's growing 1523 02:02:14.520 --> 02:02:18.119 at either a guaranteed rate or a participation rate, whichever's higher. Right, 1524 02:02:19.399 --> 02:02:21.520 Yeah, So to make it the easiest way, I always say, there's 1525 02:02:21.560 --> 02:02:25.359 a left side. On the right side. The left side of the five 1526 02:02:25.439 --> 02:02:29.520 hundred grows based off those allocations with the S and P five hundred Blackbrock hell 1527 02:02:29.560 --> 02:02:31.399 have you to look at it, dow Jones. On the right side is 1528 02:02:31.479 --> 02:02:35.319 just what you're talking about. Grows at a guaranteed rate no matter what holiday. 1529 02:02:35.319 --> 02:02:38.000 And then what does it do at the end of the year. It 1530 02:02:38.079 --> 02:02:43.000 takes the higher one once the client which decides to take them on nothing, 1531 02:02:43.319 --> 02:02:45.680 which everyone is the highest of the two ones. They just find Oh, 1532 02:02:45.479 --> 02:02:50.720 so these two are accumulating the life of the annuity. Correct, You got 1533 02:02:50.800 --> 02:02:54.479 it. So no matter what I always say, worst case scenario is the 1534 02:02:54.560 --> 02:02:57.520 right side of the B account be that just always grows steady at y, 1535 02:02:57.600 --> 02:03:01.039 no risk to go up or down or up in sideways. Whereas the market 1536 02:03:01.119 --> 02:03:04.039 side they can up for the lost could ever get to be a zero in 1537 02:03:04.079 --> 02:03:08.399 a year. So at the end, but if it gets zero, then 1538 02:03:08.479 --> 02:03:12.479 it goes to the guarantee. Nope, if it gets zero, then it's 1539 02:03:12.520 --> 02:03:15.439 just kind of flatline for that account a side. So h but I understand 1540 02:03:15.520 --> 02:03:18.960 that for that side. But at the end, when you start taking income, 1541 02:03:19.039 --> 02:03:24.359 the account value is whichever one is higher, correct, that's the right 1542 02:03:24.359 --> 02:03:26.640 I would say. If then whichever is the highest of two, which I 1543 02:03:26.760 --> 02:03:29.439 want to lends the race, So whatever, that's right, that's a good 1544 02:03:29.479 --> 02:03:32.239 way of putting in whichever one wins the race. So you are tracking the 1545 02:03:32.359 --> 02:03:40.000 account with two basically indexes. One is a guarantee and one is a participation 1546 02:03:40.359 --> 02:03:44.399 in the market. Correct. There you go, yep, And and that's 1547 02:03:44.640 --> 02:03:46.239 when they decide to put that switch on which everyone's higher on the tape. 1548 02:03:46.399 --> 02:03:49.960 You know normally what it turns out to be. Is it usually the market 1549 02:03:50.039 --> 02:03:56.000 participation or is it usually the guarantee? Typically I'll say, as of right 1550 02:03:56.119 --> 02:04:00.319 now, I would say the guaranteed sides and winning pretty high price. Last 1551 02:04:00.560 --> 02:04:03.520 I don't make ten fifteen years because look at it this way, it starts 1552 02:04:04.000 --> 02:04:08.439 depending on somebody's age. I mean, I run fifty five is when it 1553 02:04:08.520 --> 02:04:11.159 kind of really allows to start fifty fifty five, So that's about three and 1554 02:04:11.199 --> 02:04:15.159 a half percent, and every five years it steps up half a percent. 1555 02:04:15.439 --> 02:04:17.920 So as like in their sixty sixty five, you're going to have five six 1556 02:04:18.000 --> 02:04:21.520 percent guaranteed every year. So at the end, I mean, there's no 1557 02:04:21.760 --> 02:04:26.159 zero years if you will, there's no flatline years, whereas the market side 1558 02:04:26.600 --> 02:04:30.279 you can get some stellar twenty percent thirty percent returns, but can also get 1559 02:04:30.399 --> 02:04:32.680 zero for a few years because the market crash. So I will say the 1560 02:04:32.800 --> 02:04:36.760 guaranteed side, as of late, we've seen at that side page. Although 1561 02:04:36.800 --> 02:04:40.840 I'll tell you what, Jordan, I don't know if I'm disagreeing, but 1562 02:04:41.279 --> 02:04:44.479 the S and P has done phenomenal over the last five years. Oh I 1563 02:04:44.560 --> 02:04:46.880 know, I know. The nice thing is they get the best of both 1564 02:04:46.960 --> 02:04:51.079 worlds, because no, you're right, yeah, and then and then the 1565 02:04:51.199 --> 02:04:57.880 bumper, the fifteen percent bonus that you get is that growing at the same 1566 02:04:58.039 --> 02:05:00.680 rate on top of your principle. Correct, you got it. Yep, 1567 02:05:00.760 --> 02:05:05.079 So that's that's growing in addition to the five hundred thousand, Like you said, 1568 02:05:05.119 --> 02:05:10.000 there you'd have a okay, so, and that's actually your money. 1569 02:05:11.359 --> 02:05:14.720 You got it every year, you know, truly growing in there. It's 1570 02:05:14.840 --> 02:05:16.960 there. Now they have what they call like a ten year window where the 1571 02:05:17.039 --> 02:05:21.399 company doesn't want you to jump ship and go collect another bulley. So yeah, 1572 02:05:21.439 --> 02:05:26.600 you can't take your fifteen percent and say in a month goodbye. Right, 1573 02:05:26.800 --> 02:05:29.079 you're right, I'd be out of business. I'd be doing the same 1574 02:05:29.119 --> 02:05:31.399 thing, right, I mean s Tahiti right doing that. But but to 1575 02:05:31.479 --> 02:05:34.119 your point, yes, it is your money. If you passed away, 1576 02:05:34.279 --> 02:05:38.279 the money goes to your client or your loved ones. Actual they've been fisheries. 1577 02:05:38.640 --> 02:05:41.279 But it is factory in the growth. It's factory in the accumulation, 1578 02:05:41.600 --> 02:05:45.279 which is very different than someone who did out there, and it's also factored 1579 02:05:45.319 --> 02:05:49.000 into your income. Right, you got it. So all they ask with 1580 02:05:49.199 --> 02:05:54.359 the with the bonus is that you stay in a certain amount of time in 1581 02:05:54.560 --> 02:05:59.319 order for it to be fully vested. Correct. And again that's their way 1582 02:05:59.399 --> 02:06:00.920 of just like a jump in shit for another company. But no, I 1583 02:06:01.000 --> 02:06:05.760 get it. It's an incentive. It's an incentive. Yeah, okay, 1584 02:06:05.920 --> 02:06:09.199 he stopped in five years, you get the fifty percent of that, so 1585 02:06:09.319 --> 02:06:11.840 and so forth. All right, we got more coming up. Three oh 1586 02:06:11.920 --> 02:06:15.039 three seven, one, three eight, two five five. John Fuller is 1587 02:06:15.079 --> 02:06:18.199 my personal injury expert, my accident lawyer dot co. Now we use them 1588 02:06:18.239 --> 02:06:21.840 on the show all the time because people calls have been injured. I need 1589 02:06:21.920 --> 02:06:26.039 to know what to do, what's my next step? How do I not 1590 02:06:26.239 --> 02:06:30.159 step on myself? How do I not ruin my case? And John is 1591 02:06:30.319 --> 02:06:33.640 used to answering these questions because he does it for clients all the time. 1592 02:06:34.119 --> 02:06:38.920 People call him and John, you know, no matter how we look at 1593 02:06:38.960 --> 02:06:43.520 it, people want to get paid for their injuries. That is the system 1594 02:06:43.680 --> 02:06:47.239 of justice we have in this country. If someone injures you, they pay 1595 02:06:47.760 --> 02:06:53.439 for your injuries. So the natural question has to be how much is my 1596 02:06:53.560 --> 02:06:57.039 case worth? People want to know? Is there a way of knowing? 1597 02:06:57.159 --> 02:07:00.399 John? If they call you, you know, we can get pretty close 1598 02:07:00.439 --> 02:07:03.439 there, Tom. If I know about the injuries, I know about the 1599 02:07:03.640 --> 02:07:08.960 insurance that the other side has, and I have some idea of whether there's 1600 02:07:09.000 --> 02:07:12.479 going to be any issues with liability, we can get pretty darn close. 1601 02:07:12.880 --> 02:07:16.720 But sometimes we're wrong on the low side. Sometimes we're able to discover additional 1602 02:07:16.800 --> 02:07:24.680 policies and additional coverage that can sometimes double triple or even quadruple our estimates because 1603 02:07:24.760 --> 02:07:28.960 we found additional coverage. So the only safe way to find out is to 1604 02:07:29.039 --> 02:07:32.039 let us jump in with both feet and give it our best shot to get 1605 02:07:32.079 --> 02:07:38.479 the maximum recovery for you. And that's something that tends to get sharper and 1606 02:07:38.560 --> 02:07:42.840 sharper as the case goes on. And John, the good part is that 1607 02:07:43.079 --> 02:07:45.119 it doesn't cost anything for people to call you to find this out. I 1608 02:07:45.199 --> 02:07:47.800 mean, you don't even make them sign up to find out. You just 1609 02:07:47.840 --> 02:07:53.279 give them your honest to goodness impression. Yeah. I mean that's the way 1610 02:07:53.359 --> 02:07:57.960 we do business. And we want to make our clients and potential clients feel 1611 02:07:58.000 --> 02:08:01.640 comfortable that we know what we're talking about and we you know, we're easy 1612 02:08:01.680 --> 02:08:05.239 to get along with. We're going to provide the necessary attention to to you 1613 02:08:05.359 --> 02:08:09.560 know, to focus on their case. Unlike some of these other firms that 1614 02:08:09.680 --> 02:08:13.439 have you know, a band or twelve hundred clients, we don't. We're 1615 02:08:13.479 --> 02:08:16.840 able to focus on our cases and when we you know, when we sit 1616 02:08:16.920 --> 02:08:20.359 down and have those intake discussions, we go over all of these things, 1617 02:08:20.399 --> 02:08:22.760 whether you hire us or not. At the first sign of trouble, call 1618 02:08:22.880 --> 02:08:26.960 John and notice the difference because you will talk to an attorney. You'll talk 1619 02:08:26.000 --> 02:08:30.319 to John and he has pledged to take only the number of cases he can 1620 02:08:30.399 --> 02:08:35.239 work personally, and he will evaluate your case. So you're not talking to 1621 02:08:35.720 --> 02:08:39.920 some call center asking him what's my case worth your talking to John three oh 1622 02:08:39.000 --> 02:08:45.279 three five nine seven forty five hundred five nine seven four five zero zero my 1623 02:08:45.600 --> 02:08:52.079 accident lawyer dot c oh all right. Retirement Planning Center of the Rockies is 1624 02:08:52.720 --> 02:08:56.800 on board for you to discuss your retirement, all the elements of your retirement, 1625 02:08:56.960 --> 02:09:00.880 growing a nest egg, protecting the nest egg, and long term care 1626 02:09:01.600 --> 02:09:07.119 estate planning. They quarterback your retirement plan. That's what they do. They 1627 02:09:07.199 --> 02:09:11.920 are financial advisors as well, and their family owned and operated people you can 1628 02:09:11.000 --> 02:09:15.000 trust. Call them at any time to find out what they can do for 1629 02:09:15.119 --> 02:09:22.720 you. Rpcenter dot com. Rpcenter dot com nine seven zero six six three 1630 02:09:24.199 --> 02:09:30.800 thirty two eleven nine seven zero sixty six three thirty two eleven Denver's Talkstation six 1631 02:09:31.000 --> 02:09:41.680 thirty K Howe TI nom Martino, you're troubleshooter three O three seven one three 1632 02:09:41.840 --> 02:09:46.039 talk three O three seven one three eight two five five. Let me go 1633 02:09:46.239 --> 02:09:54.800 to some uh texting that we have and I don't understand this one. Do 1634 02:09:54.960 --> 02:10:01.319 Australians think? Did we talk about Australians at all? Did anyone talk about 1635 02:10:01.359 --> 02:10:03.399 Australians. This is for me, It's not for anybody else on the station. 1636 02:10:03.560 --> 02:10:09.199 It says do Australians, it says Tom. Do Australians think Americans live 1637 02:10:09.239 --> 02:10:15.680 in the past or do Americans think Australians live in the future. I'm going 1638 02:10:15.760 --> 02:10:20.920 to tell you what Americans think who've been there. Australians live in the past. 1639 02:10:20.600 --> 02:10:26.880 That's a very, very very They're way behind us, don't you think? 1640 02:10:26.960 --> 02:10:31.159 In everything Australia. I mean most countries are behind us. If you 1641 02:10:31.239 --> 02:10:35.119 ever go into a country where you feel they're more advanced than us ever in 1642 02:10:35.239 --> 02:10:41.560 anything, technology, society, I don't know. I can't think of any 1643 02:10:43.000 --> 02:10:46.279 really. I mean, there's one thing you got to say about the melting 1644 02:10:46.359 --> 02:10:50.199 pot here. We really took the best of all cultures. I mean we 1645 02:10:50.319 --> 02:10:54.239 really have. I mean, are we still proud of America or not. 1646 02:10:54.439 --> 02:10:58.960 I mean I am. When I say proud, I don't mean you know, 1647 02:10:58.079 --> 02:11:01.840 like proud We're going to be everyone's ass. I'm talking about it's a 1648 02:11:01.920 --> 02:11:05.319 good mixture. I mean, I I like the diversity and all of that. 1649 02:11:05.479 --> 02:11:11.359 I like the culture's melding, and I like the uh, the advancements 1650 02:11:11.479 --> 02:11:16.039 we have. I think we're way advanced, way advanced, unless I'm missing 1651 02:11:16.119 --> 02:11:20.840 something. Let's see, maybe you know Swiss watches. I mean, you 1652 02:11:20.920 --> 02:11:24.680 know, I'm not kidding, like like what country can do anything truly better 1653 02:11:24.760 --> 02:11:28.760 than us? Now? Now I'm not talking about you know, the fight 1654 02:11:30.000 --> 02:11:33.319 like wine making or you know, or or foods or certain dishes. I'm 1655 02:11:33.319 --> 02:11:41.760 talking about technology, vehicles, data, what else. I think. I 1656 02:11:41.079 --> 02:11:46.359 think my husband would have an argument to pick with you because on what tomorrow, 1657 02:11:48.079 --> 02:11:52.319 he would sincerely move to Japan for what what what? For everything? 1658 02:11:52.680 --> 02:11:56.640 He loves it. He loves the transportation. You know, you know, 1659 02:11:56.760 --> 02:12:03.720 friends pretty pretty advanced. But but the transportation system just getting around in the 1660 02:12:03.800 --> 02:12:13.319 different trains and it's all clean. Everybody is very nice and they very they 1661 02:12:13.439 --> 02:12:16.840 kind of go at a cadence that's not like us, where we don't I 1662 02:12:16.920 --> 02:12:20.720 know, I haven't been there, but I've talked to people. It's amazing. 1663 02:12:20.159 --> 02:12:22.359 I mean from what he's told me, I've never been there, but 1664 02:12:22.840 --> 02:12:28.000 he loves it. He would literally go move there tomorrow, he would yep. 1665 02:12:28.760 --> 02:12:35.439 Now, I was told that they're polite, but almost polite in an 1666 02:12:35.479 --> 02:12:41.439 impolite way, like they're putting up with you. Well, there's a language 1667 02:12:41.479 --> 02:12:46.399 barrier there for not just a language barrier, but like Americans, they put 1668 02:12:46.520 --> 02:12:48.239 up with you and they're polite to you, but they'd rather not have you 1669 02:12:48.359 --> 02:12:52.760 around. But even though they don't actually say that, I don't think that's 1670 02:12:52.840 --> 02:12:58.520 true about the Japanese people because from what my husband has described, so when 1671 02:12:58.560 --> 02:13:03.800 you go off of a train, there isn't this whole pushing and shoving and 1672 02:13:03.000 --> 02:13:05.560 okay, I got to get, you know, ahead of you, and 1673 02:13:05.760 --> 02:13:07.960 I have, you know, because if you go to the airport, you 1674 02:13:09.079 --> 02:13:13.840 get off the train at DA, it's like pushing and shoving, and in 1675 02:13:13.039 --> 02:13:20.079 Japan appear, I know, everybody just files out in a very orderly fashion 1676 02:13:20.079 --> 02:13:24.840 and everyone is polite about it and they wait their turn, and you know, 1677 02:13:26.000 --> 02:13:28.279 there's not a whole lot of you know, I have to get here 1678 02:13:28.399 --> 02:13:31.880 before you kind of thing. No I know. Yeah. Yeah. Now, 1679 02:13:31.960 --> 02:13:35.800 by the way, speaking of places to live other than the US, 1680 02:13:35.840 --> 02:13:41.880 I have had I actually just recently had this discussion with some friends of mine. 1681 02:13:43.359 --> 02:13:46.479 Now we went to dinner, but then before that, I had other 1682 02:13:46.600 --> 02:13:50.680 discussions on where people would most likely live or where they like to live. 1683 02:13:52.399 --> 02:14:01.520 And there are a ton of Americans who love Costa Rica. They say that's 1684 02:14:01.560 --> 02:14:05.079 a wonderful place to live. And there are a lot of Americans now moving 1685 02:14:05.199 --> 02:14:09.399 to Mexico remote parts I'm not talking about, you know, like the tourist 1686 02:14:09.479 --> 02:14:16.880 attractions. And uh, then Croatia was one that came up. Thailand came 1687 02:14:16.000 --> 02:14:22.199 up. Where Americans would go and live where they love living. Oh, 1688 02:14:22.279 --> 02:14:24.680 Puerto Rico, although that's kind of America, isn't it. But it's not. 1689 02:14:26.239 --> 02:14:30.479 But but I don't know. If I had to pick a spot, 1690 02:14:31.520 --> 02:14:37.920 I really don't know what it would be other than America. But your husband 1691 02:14:37.920 --> 02:14:41.119 would go to Japan. Huh wow, Hey, Jordan, where would you 1692 02:14:41.239 --> 02:14:46.239 go if you had to live outside the US or not? Hadst is like 1693 02:14:46.359 --> 02:14:50.439 Japan quite a bit, But Mexico you're asilarly that's something I've been hearing. 1694 02:14:50.479 --> 02:14:56.159 Oh well, yeah, well you have roots in Mexico. You know your 1695 02:14:56.319 --> 02:15:01.279 your dad grew up there, and you know he grew upward in Mexico City, 1696 02:15:01.319 --> 02:15:05.640 one of the biggest cities world. Yeah. And then honestly, uh, 1697 02:15:05.800 --> 02:15:07.760 you know as goofy and sounds, I'm the only one, one of 1698 02:15:07.800 --> 02:15:11.399 the few in the family don't speak Spanish. To that, that was really 1699 02:15:13.079 --> 02:15:16.479 how did you grow up without speaking Spanish? With Joe? Wow? I 1700 02:15:18.000 --> 02:15:20.239 know, I my my grandmother. Unfortunately, his mother had passed and and 1701 02:15:20.399 --> 02:15:24.039 everybody stops sick of Spanish. Where they got to my sister and myself, 1702 02:15:24.119 --> 02:15:26.960 and so I took five years in Spanish. Have you have you been to 1703 02:15:28.079 --> 02:15:30.920 his home? Have you been to where he grew up? Did he show 1704 02:15:30.960 --> 02:15:33.239 you so? Yes? I had, Yeah, I got been there a 1705 02:15:33.279 --> 02:15:37.600 few times, especially when I was younger. Our our family that had lived 1706 02:15:37.600 --> 02:15:41.000 in there, don't live there anymore unfortunately. But but I would say Mexico, 1707 02:15:41.000 --> 02:15:41.640 I wouldn't tell you live in the city. I'd visit it, but 1708 02:15:41.680 --> 02:15:45.760 I would go on the outskirts for the desplatories that you're talking about, like 1709 02:15:46.039 --> 02:15:50.800 cobblestone churches, you know, the beautiful of water. Yeah, yeah, 1710 02:15:50.920 --> 02:15:56.359 yeah, So so can you explain, Jordan? I thought I did a 1711 02:15:56.439 --> 02:16:00.279 good job of doing it, but maybe I didn't because someone just tech and 1712 02:16:00.399 --> 02:16:03.960 wants to know. You said, there's a guaranteed account, guaranteed return, 1713 02:16:05.079 --> 02:16:09.680 and then there's the index returns you can get and then they compare and you 1714 02:16:09.840 --> 02:16:13.199 get the higher of the two. But so you never go to zero or 1715 02:16:13.319 --> 02:16:18.720 lower than zero ever. But I'd like to know someone wants to you to 1716 02:16:18.840 --> 02:16:24.199 explain the participation rate on the index. Okay, so I thought I explained 1717 02:16:24.199 --> 02:16:28.000 it, but why don't you do it? Yeah, the participation is a 1718 02:16:28.079 --> 02:16:31.200 great term to be looking at on these the best way to look at it. 1719 02:16:31.239 --> 02:16:33.200 And if I can just kind of give you an example. If you 1720 02:16:33.280 --> 02:16:37.760 look at like a four to one k regular four one k, you're typically 1721 02:16:37.799 --> 02:16:41.520 participating in one hundred percent and that so if you have one hundred thousand, 1722 02:16:41.799 --> 02:16:43.079 you get a ten percent return. You know the math that you get ten 1723 02:16:43.120 --> 02:16:48.600 thousand dollars eating numbers right. Well, participation with these products, a lot 1724 02:16:48.680 --> 02:16:52.719 of them have higher participation, and there are some manuities that go lower than 1725 02:16:52.719 --> 02:16:56.239 one hundred percent. But all this means is that if you earn in that 1726 02:16:56.319 --> 02:17:01.000 same equation, like one hundred thousand, and you earn ten percent in the 1727 02:17:01.120 --> 02:17:03.879 market with our products, there's some that are two hundred and fifty percent participation, 1728 02:17:05.319 --> 02:17:07.280 which in that term will give you twenty five thousand. So it just 1729 02:17:07.440 --> 02:17:11.040 means more weight on your earnings. The best way to look at it, 1730 02:17:11.239 --> 02:17:13.680 so you get, you don't get, you don't get all of it. 1731 02:17:13.000 --> 02:17:18.280 They share it with you, and that's their incentive to keep making higher returns. 1732 02:17:18.319 --> 02:17:20.680 That would be more the cap in the in the ceiling. But yes, 1733 02:17:20.719 --> 02:17:26.639 the participation just means that your money is participating on higher returns potentially or 1734 02:17:26.799 --> 02:17:30.719 you can never go lower. But oh I thought the participation man that that 1735 02:17:30.879 --> 02:17:33.799 you participate up to a certain amount. No, no, no, good 1736 02:17:33.840 --> 02:17:37.239 point. Yeah, that's where the caps are. That is the ceiling the 1737 02:17:37.319 --> 02:17:41.600 cap. Okay, then explain explain the caps then, So caps just like 1738 02:17:41.639 --> 02:17:43.520 a house, you got a floor and a ceiling. So in our case, 1739 02:17:43.559 --> 02:17:46.680 our floor on the again account, Hey, the market side is that 1740 02:17:46.920 --> 02:17:50.200 zero percent. You can never go lower than zero, go negative. But 1741 02:17:50.440 --> 02:17:56.920 the ceiling is where it's based off of those investment offs with allocations, so 1742 02:17:56.920 --> 02:18:00.319 a lot of them have maybe six percent or eight percent or ten percent or 1743 02:18:00.360 --> 02:18:01.879 even twenty. But that just means to what you were saying if the market 1744 02:18:01.959 --> 02:18:07.280 returned ten and some of those allocations are tapped at eight, well you're not 1745 02:18:07.399 --> 02:18:11.639 going anything higher than eight. Take that spread that difference you will, all 1746 02:18:11.719 --> 02:18:15.479 right, Yeah, that's we're getting the weeds a little bit. But no, 1747 02:18:15.600 --> 02:18:16.840 no, no, no, But I understand what you're saying it. 1748 02:18:16.959 --> 02:18:20.040 But I wanted to kind of know that. By the way, as far 1749 02:18:20.360 --> 02:18:26.879 as as far as the the difference, there's a cap rate, there's a 1750 02:18:26.959 --> 02:18:33.079 participation. By the way, uh three ozho three seven one three talks on 1751 02:18:33.239 --> 02:18:39.559 number seven one three eight two five five. There is an interesting move going 1752 02:18:39.680 --> 02:18:41.239 on, and I don't know how the market's going to respond to this. 1753 02:18:41.360 --> 02:18:45.639 I'm not talking to the stock market. I'm talking about the retail market or 1754 02:18:45.719 --> 02:18:52.600 the people making things dumb technology. They say, there is a there there 1755 02:18:52.680 --> 02:18:58.000 are a lot of people looking for older technology, or dumb technology, as 1756 02:18:58.040 --> 02:19:03.760 they put it, TVs that aren't so smart. Because what they say is 1757 02:19:03.879 --> 02:19:07.799 when they buy a TV and it has like the smart hub on it, 1758 02:19:07.719 --> 02:19:11.639 they don't necessarily want that. They want to be able. They don't mind 1759 02:19:11.680 --> 02:19:15.079 putting a Google TV or a Roku or something on it, but they would 1760 02:19:15.200 --> 02:19:22.840 rather have dumb stuff sometimes, or they don't necessarily they're not interested in technology 1761 02:19:22.920 --> 02:19:26.399 they don't use and it being there, it's kind of cluttered to them. 1762 02:19:26.879 --> 02:19:35.040 And that goes for phones, cars, TVs. So there seems to be 1763 02:19:35.159 --> 02:19:39.680 a growing market, and believe it or not, among younger people. And 1764 02:19:39.799 --> 02:19:45.159 this was done by Morning Consult. I always talk about these places they do. 1765 02:19:45.360 --> 02:19:50.319 They do a lot of surveys and they have found that now younger people 1766 02:19:50.000 --> 02:19:56.680 are not necessarily wanting every bell and whistle, and even with a cell phone, 1767 02:19:56.879 --> 02:20:03.799 beyond texting and VID, they don't necessarily need a lot of the as 1768 02:20:03.879 --> 02:20:07.680 I say, bells and whistles. So I like dumb technology to a certain 1769 02:20:07.719 --> 02:20:11.959 extent, and I kind of I understand what they're talking about when they say 1770 02:20:13.559 --> 02:20:16.360 that they don't want a lot of stuff they don't use, or a lot 1771 02:20:16.440 --> 02:20:20.920 of bloat wear. But anyway, that's an interesting trend and I'm wondering if 1772 02:20:20.959 --> 02:20:26.200 the market's going to respond to that. Will we start seeing products with maybe 1773 02:20:26.360 --> 02:20:31.239 different levels of technology, you know, so you can get something that's dumb 1774 02:20:31.159 --> 02:20:37.840 or something that has everything three oh three seven one three eight two five five. 1775 02:20:39.120 --> 02:20:45.239 So if you want great windows, you want K and H home solutions, 1776 02:20:46.319 --> 02:20:52.040 they will have the Alpin windows a thermally insulated fiberglass frame and an insulated 1777 02:20:52.159 --> 02:20:56.600 glass unit they call igus that are damn near like a wall. I mean 1778 02:20:56.680 --> 02:21:03.360 they are unbelievable when it comes to preventing leaks and drafts and also thermally insulated, 1779 02:21:03.639 --> 02:21:07.959 keeping the cold, transfer the hot transfers, and they keep your home 1780 02:21:07.079 --> 02:21:13.200 comfortable. And these Alpin windows are made right here in Colorado, and you 1781 02:21:13.319 --> 02:21:18.879 can have them installed by the oldest home improvement company in Colorado kh K and 1782 02:21:18.040 --> 02:21:24.680 H Home Solutions, So that's Cagewindows dot com. And you will love again 1783 02:21:24.959 --> 02:21:30.479 these windows three oh three four to one seventy one hundred oh. Brian Legal 1784 02:21:30.559 --> 02:21:35.479 Services is a firm that specializes in real estate law. We have brad On 1785 02:21:35.600 --> 02:21:39.840 almost well, I know, we have them on weekly for goodness sakes, 1786 02:21:39.879 --> 02:21:43.680 with all the real estate questions we get. He can review documents before closing. 1787 02:21:43.399 --> 02:21:52.079 Financial documents, maybe owner financing documents, partnership documents. If you're a 1788 02:21:52.159 --> 02:21:54.600 big landlord and you need to know how to do things right, if you're 1789 02:21:54.639 --> 02:22:01.440 having a border dispute, eminent domain easement problems, anything to do with real 1790 02:22:01.559 --> 02:22:09.000 estate, think O'Brien Legal Services Olslaw dot com seven two zero three seven zero 1791 02:22:09.200 --> 02:22:16.840 seventy three eighty eight. Tom Martinez here three oh three seven to one to 1792 02:22:16.879 --> 02:22:22.559 three talk seven one three eight two five five. You know what I found 1793 02:22:22.600 --> 02:22:26.079 shocking because I was looking up some scams. I was doing a post on 1794 02:22:26.200 --> 02:22:31.360 scams, and it's just that scams are at an all time high. Of 1795 02:22:31.440 --> 02:22:33.280 course, a lot of that has to do with technology. In fact, 1796 02:22:33.360 --> 02:22:37.479 most of it. Most of the scams are coming from technology. We used 1797 02:22:37.479 --> 02:22:39.239 to have scams, you know, like the mail order scams. We used 1798 02:22:39.239 --> 02:22:43.879 to have door to door scams. We used to have you know, things 1799 02:22:43.040 --> 02:22:46.680 like that. Okay, the driveway paving and all of that. We still 1800 02:22:46.799 --> 02:22:52.319 get that right. But most scams, most of them are online. Of 1801 02:22:52.399 --> 02:22:56.479 course, we have some phone scams. We still have the you know, 1802 02:22:56.600 --> 02:23:01.440 the grandson scam or the grand you know where they grandchild scam where they say 1803 02:23:01.479 --> 02:23:05.079 Grandma, this is you know grandma and then they say, is this you 1804 02:23:05.639 --> 02:23:09.559 tony as it is? You know, I got arrested or whatever. So 1805 02:23:09.719 --> 02:23:18.079 many of these go around, but mostly technology. And what I found really 1806 02:23:18.200 --> 02:23:28.639 weird is that with online shopping, this has floored me. Eighty six percent 1807 02:23:30.000 --> 02:23:35.079 of the victims are under sixty in fact, a lot of them are eighteen 1808 02:23:37.920 --> 02:23:43.719 to forty five. Now wouldn't you think, now, well, maybe the 1809 02:23:43.760 --> 02:23:48.280 younger people are more stupid. But now I'm not talking about because there are 1810 02:23:48.440 --> 02:23:50.799 more younger people online. I'm not talking about that, and I'm talking about 1811 02:23:50.959 --> 02:23:56.280 of the people online, the majority of people being ripped off or in the 1812 02:23:56.360 --> 02:24:01.040 age group, eighty six percent are between eighteen and fifty nine. Well, 1813 02:24:01.159 --> 02:24:05.840 maybe that's because you're saying, well, that's because older people don't go online. 1814 02:24:07.319 --> 02:24:11.760 But anyway, especially the younger, younger people eighteen to like thirty five. 1815 02:24:15.079 --> 02:24:24.360 Whereas business scams, business scams sixty and above are more likely, there's 1816 02:24:24.399 --> 02:24:30.559 a little edge more. You get more ripped off as you're older for business 1817 02:24:30.600 --> 02:24:37.319 scams. For investment scams, way more likely to get ripped off, way 1818 02:24:37.440 --> 02:24:45.719 more likely to get ripped off under sixty in your thirties and forties investment scams. 1819 02:24:46.319 --> 02:24:48.920 Wow, Jordan, can you imagine that? Now? Why do you 1820 02:24:50.120 --> 02:24:54.959 think people in their thirties and forties fall for investment scams? They're trying to 1821 02:24:56.000 --> 02:25:00.600 build wealth or something. I mean, that's actually pretty shock and that's statistic. 1822 02:25:00.639 --> 02:25:03.719 I'll be honest, I wouldn't have thought it was that I would have 1823 02:25:03.760 --> 02:25:07.840 thought older people might be subject to that more, but may I would agree, 1824 02:25:07.159 --> 02:25:11.319 But maybe I do see that though a lot more people, you know, 1825 02:25:11.639 --> 02:25:13.200 do you want to make money very quick nowadays and you see always ad 1826 02:25:13.440 --> 02:25:18.000 on YouTube or social media is on you know, drop shipping or anything that 1827 02:25:18.120 --> 02:25:22.360 you can think of in the West and the wind that romance scams are younger 1828 02:25:22.440 --> 02:25:24.920 people, believe it or not. I thought that would have been older. 1829 02:25:26.760 --> 02:25:30.239 And when I say younger, I mean under sixty, and I mean predominantly 1830 02:25:30.360 --> 02:25:35.079 in that in that twenty Now we're talking twenty five to fifty range, which 1831 02:25:35.200 --> 02:25:39.040 is a middle eight, well young to middle aged. And then you have 1832 02:25:41.079 --> 02:25:46.799 tech support scams that is all older people, almost all of them. I 1833 02:25:46.920 --> 02:25:50.040 have a story of one of my clients and I'll share it sometime with you, 1834 02:25:50.239 --> 02:25:52.600 and what is it or you know, I would never use names, 1835 02:25:52.639 --> 02:25:56.120 but it's been that exact scand the tech scams a Microsoft Sam. Did they 1836 02:25:56.200 --> 02:26:01.559 get on her computer with her? Yeah, it was I guess something to 1837 02:26:01.639 --> 02:26:03.959 deal with that. They already had had it downloaded on her computer. You 1838 02:26:05.040 --> 02:26:07.399 know, the expiration of her security is coming up. They gave her the 1839 02:26:07.440 --> 02:26:09.120 number to call and this is the worst thing about Microsoft is their number is 1840 02:26:09.239 --> 02:26:13.319 nowhere really online the right number. It all goes to another country, of 1841 02:26:13.399 --> 02:26:16.440 course, and so you never know who you're talking to. But they got 1842 02:26:16.520 --> 02:26:22.879 her for twice. They got her twice for over almost fifty k oh. 1843 02:26:22.879 --> 02:26:26.559 Oh god, I've tried. I've helped her so much to get letters written 1844 02:26:26.600 --> 02:26:31.120 to the people of the cutter card companies, a heat luck loan she had. 1845 02:26:31.319 --> 02:26:33.639 And they all said, because you know, they were on the phone 1846 02:26:33.639 --> 02:26:35.600 with her when she went into the bank asking for the stuff. They all 1847 02:26:35.680 --> 02:26:39.399 said, because her physically walking in the bank, and even though the guy 1848 02:26:39.520 --> 02:26:41.680 was on the phone. So I don't trust anyone there. Oh, because 1849 02:26:43.239 --> 02:26:46.200 later you said it earlier. They get they get scared, they get intimidated 1850 02:26:46.239 --> 02:26:50.479 by these guys, and they won't return much of her money because of all 1851 02:26:50.559 --> 02:26:54.479 that. It's just it's sad, as expected. Fake check scams and job 1852 02:26:54.600 --> 02:27:00.239 scams are younger people. Prize and sweepstakes lotteries are older people. People, 1853 02:27:01.159 --> 02:27:05.840 tech support scams, as we said, older people. A government and postors 1854 02:27:05.959 --> 02:27:11.719 are almost evenly split. Government and posts like the IRS scams and all of 1855 02:27:11.799 --> 02:27:16.040 that. But I was pretty uh, I was pretty surprised by some of 1856 02:27:16.120 --> 02:27:22.479 those statistics three zho three seven one three eight two five five. If you 1857 02:27:22.680 --> 02:27:28.319 want a personal injury attorney to give you personal attention, you've heard John Fuller 1858 02:27:28.399 --> 02:27:33.719 on this show, and right now John says you can call and he'll go 1859 02:27:33.879 --> 02:27:37.239 over your case and try to give you an idea of what it is worth. 1860 02:27:37.639 --> 02:27:39.799 You know, there are times when a case isn't worth a lot of 1861 02:27:39.879 --> 02:27:45.239 money. There are times when collection will be almost impossible. You don't have 1862 02:27:45.319 --> 02:27:48.760 the right insurance. They don't have the right insurance. So he's going to 1863 02:27:48.799 --> 02:27:50.959 be honest and straightforward with you. But what I like about it is you'll 1864 02:27:52.000 --> 02:27:54.920 get to talk to him. In most cases you don't even get to talk 1865 02:27:54.000 --> 02:27:58.760 to an attorney. You go to some intake counselors or committee or call center. 1866 02:28:00.159 --> 02:28:03.200 So John Fuller, if you want the lowdown on your case, what 1867 02:28:03.440 --> 02:28:07.319 is it worth, what are the chances of collecting? What do you think 1868 02:28:07.399 --> 02:28:09.000 you can do? What should be my next steps? All of that free 1869 02:28:09.040 --> 02:28:13.719 of charge, no obligation, and if you do hirements on a percentage fee 1870 02:28:13.719 --> 02:28:16.920 basis John Fuller Fuller Law, find him at referral Liss dot com or call 1871 02:28:18.000 --> 02:28:24.920 them three zero three five nine seven forty five hundred my accident lawyer dot coo 1872 02:28:26.680 --> 02:28:33.000 Redrocks rs dot com that stands for Redrocks, roof and Solar. Red Rocks 1873 02:28:33.040 --> 02:28:37.159 are the people that we turn to for expertise in solar and right now there 1874 02:28:37.280 --> 02:28:41.360 aren't a lot of good solar companies. They come and go like the wind. 1875 02:28:41.959 --> 02:28:45.399 You want someone will be around not only to install it, but to 1876 02:28:45.520 --> 02:28:50.520 service it. And Redrocks is doing commercial systems as well, with grants that 1877 02:28:50.680 --> 02:28:56.399 the federal government is giving businesses to get systems in. That's how much they 1878 02:28:56.520 --> 02:29:01.319 want them. And red Rocks has become somewhat of a p professional and an 1879 02:29:01.399 --> 02:29:07.479 expert at these grants and also tax credits and financing, so in addition to 1880 02:29:07.559 --> 02:29:11.280 getting the system, help get it paid for. Three h three seven zero 1881 02:29:11.440 --> 02:29:20.200 four two four four nine redrocksars dot com. By the way, the numbers 1882 02:29:20.280 --> 02:29:28.200 of Democrats are mounting on who will not attend the Yahoo speech to Congress. 1883 02:29:30.879 --> 02:29:35.559 I have a question and I should have done this earlier. Feel free to 1884 02:29:35.680 --> 02:29:39.200 text me. I want to know what Jew in their right mind, what 1885 02:29:39.440 --> 02:29:46.600 you in the right mind would vote Democrat? They are absolutely abandoning Israel. 1886 02:29:48.399 --> 02:29:54.680 Just an observation I made. I want to give out Jordan's a contact info. 1887 02:29:54.760 --> 02:29:58.559 But I wanted to ask. Somebody just texted me, why did your 1888 02:29:58.639 --> 02:30:03.040 dad say he's got f fifty seven different kinds of annuities fixed index he can 1889 02:30:03.239 --> 02:30:07.120 choose from. Why fifty seven that does seem excessive? What does he mean? 1890 02:30:07.360 --> 02:30:11.120 Yeah, that's a very good question. So we have access and a 1891 02:30:11.239 --> 02:30:16.360 license to all those different companies. They're different companies and so reason being is 1892 02:30:16.040 --> 02:30:18.239 just like anything else. A lot of companies, a lot of products or 1893 02:30:18.440 --> 02:30:22.040 revolving doors. They are great when you buy it because your grandfathered in to 1894 02:30:22.159 --> 02:30:26.639 them, but they could change. Companies could be better next year that we're 1895 02:30:26.680 --> 02:30:30.200 not using right now. But the key thing is just age. Some people 1896 02:30:30.280 --> 02:30:33.360 might want to take money now, one year, five years, ten years 1897 02:30:33.360 --> 02:30:35.760 from now. And that's why you need to have different tools for different clients, 1898 02:30:37.479 --> 02:30:39.200 just to be able to fit the right company with the highest payout. 1899 02:30:39.319 --> 02:30:43.000 And that's what we do. Run analysis for their age, their payout at 1900 02:30:43.040 --> 02:30:46.360 which top three company are going even the most? All right, thank you 1901 02:30:46.479 --> 02:30:50.559 very much. Now that's my money Myway dot com three all three seven, 1902 02:30:50.639 --> 02:30:54.399 seven nine sixty six hundred my money myway dot com. Thanks to it. 1903 02:30:54.600 --> 02:30:58.159 Hey, listen, people don't forget. You could call three all three Martino 1904 02:31:00.040 --> 02:31:03.040 anytime, day or night. Get on the list. We'll get you on 1905 02:31:03.159 --> 02:31:05.399 the air. Three O three six two seven eight, four sixty six. 1906 02:31:05.479 --> 02:31:09.799 Spread it around, free health, three O three Martina