WEBVTT 1 00:00:00.480 --> 00:00:10.560 Yeah, Rip dum new need advice, so you don't have. 2 00:00:12.720 --> 00:00:13.480 Come running. 3 00:00:13.720 --> 00:00:18.320 Just as as as we can, Shooter's gonna help come. 4 00:00:18.920 --> 00:00:24.079 Man Dix is the Troubleshooter Show. No Tom Martino. 5 00:00:26.399 --> 00:00:29.039 I'm Tom Martino, and I welcome you to the show. 6 00:00:29.839 --> 00:00:33.079 The number is three oh three Martino twenty four to seven. 7 00:00:33.119 --> 00:00:35.159 You can call that three oh three six two seven 8 00:00:35.159 --> 00:00:37.880 eight four sixty six. That means if you have a problem, 9 00:00:37.960 --> 00:00:40.920 question your complaint, and you just think about it, call 10 00:00:41.039 --> 00:00:43.359 three oh three Martino, leave a message and we'll get 11 00:00:43.359 --> 00:00:44.679 back to you while we're on the air. You can 12 00:00:44.679 --> 00:00:47.520 also call the iHeart Line at three oh three seven 13 00:00:47.600 --> 00:00:52.640 one three talk seven one three eight two five five. 14 00:00:53.119 --> 00:00:55.520 You know today there there is gonna be a bit 15 00:00:55.520 --> 00:00:57.439 of a change of weather. But I like talking about 16 00:00:58.640 --> 00:01:02.600 summer because summer means fun and I want to go 17 00:01:02.640 --> 00:01:07.239 over some fun stuff. I looked into some hobbies and 18 00:01:07.319 --> 00:01:11.079 cost per you know, dollar value, and how expensive hobbies 19 00:01:11.120 --> 00:01:15.480 are and some inexpensive hobbies, and I'd love to talk 20 00:01:15.519 --> 00:01:20.879 about what you do. And if you found a gem 21 00:01:21.000 --> 00:01:24.959 where the cost justifies the fund or the fund justifies 22 00:01:25.040 --> 00:01:27.519 the cost, I should say I'd like to know about it. 23 00:01:28.359 --> 00:01:32.120 We're also going to talk a little bit about you know, 24 00:01:32.200 --> 00:01:35.840 so it would be hobbies and sports or anything you 25 00:01:35.879 --> 00:01:39.200 do in your spare time basically, and I also have 26 00:01:39.239 --> 00:01:44.120 a list. There was actually there was actually a survey 27 00:01:44.200 --> 00:01:48.920 done on hobbies and people were surveyed about their happiness level, 28 00:01:49.239 --> 00:01:52.239 how much they invest and they came up with a 29 00:01:52.480 --> 00:01:56.799 chart of hobbies that have the biggest bang for the buck. Anyway, 30 00:01:56.879 --> 00:02:00.159 let's go to the phones. Three oh three seven. He 31 00:02:00.239 --> 00:02:06.599 talked Danny. He called in before and he talked with Mark. Mark. 32 00:02:06.640 --> 00:02:09.280 Do you recall this one? Is Mark on? I need 33 00:02:09.319 --> 00:02:13.280 a little more info, okay, and you're a little low 34 00:02:13.360 --> 00:02:15.199 for me. I don't know if everyone can hear you. 35 00:02:15.240 --> 00:02:19.479 All right, Danny called in talk to Mark. John Fuller 36 00:02:20.000 --> 00:02:24.719 was the expert. Danny, let me look for your notes. Meanwhile, 37 00:02:24.800 --> 00:02:28.120 I would like you to tell us the original problem 38 00:02:28.199 --> 00:02:30.840 and where it stands today. 39 00:02:33.599 --> 00:02:37.639 I was in a car wreck. It was deemed my fault, ah, 40 00:02:38.439 --> 00:02:43.159 and I only had twenty five thousand dollars limit liability. 41 00:02:43.879 --> 00:02:47.879 The other party is another party is got an attorney 42 00:02:48.479 --> 00:02:51.759 and they're threatening to sue me, and so I wanted 43 00:02:51.800 --> 00:02:52.319 an attorney. 44 00:02:52.360 --> 00:02:57.759 Okay, okay, now, so the wait let me let me 45 00:02:57.800 --> 00:02:59.759 get this straight. The other party is threatened to sue 46 00:02:59.800 --> 00:03:01.240 you for pain and suffering. 47 00:03:02.639 --> 00:03:05.319 I have no idea what they're what they're threatening to 48 00:03:05.360 --> 00:03:05.840 suffer me. 49 00:03:06.280 --> 00:03:07.319 It's it's being. 50 00:03:09.159 --> 00:03:16.960 Communicated to me through my State Farm adjuster. And that's 51 00:03:16.960 --> 00:03:18.280 all the information I had. 52 00:03:18.280 --> 00:03:22.759 Okay, Well, you do understand, you do understand that your 53 00:03:22.800 --> 00:03:27.800 insurance will step in. You're insured, right. 54 00:03:28.960 --> 00:03:32.479 I'm insured, But the twenty five thousand dollars they're saying 55 00:03:32.520 --> 00:03:35.080 that the twenty five thousand, they're saying they've got medical 56 00:03:35.120 --> 00:03:38.759 bills that's going to surpass the twenty five thousand dollars. 57 00:03:39.400 --> 00:03:43.039 And I know that, I know that my insurance company 58 00:03:43.479 --> 00:03:46.520 will provide me an attorney to fight it if I 59 00:03:46.599 --> 00:03:50.319 have to. I've been told by the adjuster that the 60 00:03:50.439 --> 00:03:54.080 quality of this attorney is not much. I've been told 61 00:03:54.080 --> 00:03:59.319 by other people that the including John John Fuller, that 62 00:03:59.439 --> 00:04:02.919 the quality of their attorneys aren't much. 63 00:04:04.639 --> 00:04:11.479 Of whose attorneys, of whose attorneys, Danny, pardon the quality 64 00:04:11.479 --> 00:04:13.039 of whose attorneys? 65 00:04:14.199 --> 00:04:17.319 If State Farm would furnish me an attorney, they say 66 00:04:17.360 --> 00:04:19.920 the quality of their first is not much. 67 00:04:21.160 --> 00:04:23.800 Okay, Danny, let me explain a few things to you. Okay. 68 00:04:25.079 --> 00:04:31.040 The only time people refuse the insurance limit and go 69 00:04:31.079 --> 00:04:36.680 outside of the limit is when they believe that you 70 00:04:36.759 --> 00:04:39.920 are worth more. That's why I wish tell people to 71 00:04:41.120 --> 00:04:45.839 ensure themselves for what they're worth, because I'm going to 72 00:04:45.920 --> 00:04:48.160 give you an example. If if I had a twenty 73 00:04:48.199 --> 00:04:52.680 five thousand dollars policy and somebody I hit somebody and 74 00:04:52.759 --> 00:04:55.240 hurt them, they would never take it because they would 75 00:04:55.319 --> 00:04:59.079 assume that I had more than that. Do you have? 76 00:04:59.639 --> 00:05:01.839 How much you worth? Danny? I'm just gonna ask you 77 00:05:01.879 --> 00:05:02.319 straight up. 78 00:05:02.319 --> 00:05:07.560 I've got assets. I'm I'm made you one and I'm retired, 79 00:05:07.600 --> 00:05:09.839 and I got a lifetime of assets. 80 00:05:09.920 --> 00:05:11.279 That okay. 81 00:05:11.319 --> 00:05:14.920 But to Danny, Danny, they're just to have. 82 00:05:17.480 --> 00:05:17.800 Pardon? 83 00:05:19.600 --> 00:05:20.519 What do you have? 84 00:05:23.279 --> 00:05:23.720 What do you mean? 85 00:05:23.759 --> 00:05:25.480 What do I have? I have a house, I have. 86 00:05:25.759 --> 00:05:28.920 In assets, in assets? Do you have is your okay? 87 00:05:29.040 --> 00:05:30.120 Is your house paid off? 88 00:05:31.199 --> 00:05:31.399 Yes? 89 00:05:31.920 --> 00:05:34.959 Over a million? Danny? What the why were you only 90 00:05:35.079 --> 00:05:38.120 ensuring for twenty five dollars when you have a million 91 00:05:38.160 --> 00:05:39.480 dollars in assets? 92 00:05:40.079 --> 00:05:43.959 Because I was really stupid, I didn't I didn't even 93 00:05:44.040 --> 00:05:44.600 dawn on me. 94 00:05:44.759 --> 00:05:51.800 Now, Danny, okay, I want to know this. Tell me 95 00:05:51.839 --> 00:05:52.839 about the accident. 96 00:05:55.680 --> 00:06:00.519 Oh, I got stuck. I don't. I don't believe it. 97 00:06:00.560 --> 00:06:01.480 But anyway, I. 98 00:06:01.480 --> 00:06:05.519 Ran, I ran a red light and was hit by 99 00:06:05.560 --> 00:06:06.560 an oncoming car. 100 00:06:07.399 --> 00:06:11.040 And uh, and you don't believe you ran a red light? 101 00:06:12.680 --> 00:06:15.120 No, I don't. That that's debatable. 102 00:06:15.160 --> 00:06:17.120 But I got the ticket. 103 00:06:17.160 --> 00:06:20.160 I went to court and and they knocked it down 104 00:06:20.199 --> 00:06:23.360 to defective vehicle. So I have not pay to guilty 105 00:06:23.399 --> 00:06:25.759 to running the red light. I've paid the guilty to 106 00:06:26.319 --> 00:06:29.480 defect your vehicle. But that's probably neither here now. 107 00:06:29.399 --> 00:06:33.079 Okay, Yeah, they're going to prove that you ran the 108 00:06:33.079 --> 00:06:34.439 red light with traffic cams. 109 00:06:36.160 --> 00:06:39.160 I can't beat that one. But I've got I've got 110 00:06:39.199 --> 00:06:42.800 this this Affidavid. They want me to fill out and 111 00:06:42.879 --> 00:06:45.279 I haven't filled out. And that's what I want to 112 00:06:45.279 --> 00:06:46.879 talk to an attorney about. 113 00:06:46.959 --> 00:06:50.120 All Right, Danny will talk to you, but I'm gonna 114 00:06:50.160 --> 00:06:54.519 I'm gonna give you some really bad news, really really 115 00:06:54.560 --> 00:06:57.319 bad news. If you ran a red light and caused 116 00:06:57.319 --> 00:07:01.079 injury and they smell blood in the water, they're going 117 00:07:01.160 --> 00:07:05.439 to sue you for everything you're worth. Do you know 118 00:07:05.519 --> 00:07:08.360 one accident? Tell me how tell me about the injuries? 119 00:07:08.639 --> 00:07:11.120 How many other people in the in the other party, how. 120 00:07:11.040 --> 00:07:15.279 Many there was there was just one other person. We're 121 00:07:15.279 --> 00:07:17.120 going about thirty miles an hour. 122 00:07:17.040 --> 00:07:19.839 And I get a hould. But tell me about the 123 00:07:19.879 --> 00:07:22.600 other person's tell me about the other person's injuries. 124 00:07:23.680 --> 00:07:25.759 I don't know. I don't know. 125 00:07:28.120 --> 00:07:28.839 A damn it. 126 00:07:28.920 --> 00:07:31.879 All I know black and white is with this. My 127 00:07:32.040 --> 00:07:36.560 state farm insurance adjuster is telling me. And basically, initially 128 00:07:36.560 --> 00:07:40.079 he said that she had racked up sixteen thousand dollars 129 00:07:40.120 --> 00:07:43.600 in medical bills, and then then he says she's got 130 00:07:43.759 --> 00:07:47.000 twenty two thousand dollars in medical bills. I don't know anything. 131 00:07:47.079 --> 00:07:47.600 Nobody is. 132 00:07:48.000 --> 00:07:54.279 I've got no information whatsoever. My insurance adjuster is supposed 133 00:07:54.319 --> 00:07:56.519 to be handling like a middle man, and to me, 134 00:07:56.600 --> 00:07:58.480 it was like he was on their side. 135 00:07:59.000 --> 00:08:02.720 So well, well for let me tell you why, okay, 136 00:08:03.279 --> 00:08:07.160 Because they don't care beyond twenty five thousand dollars. They 137 00:08:07.160 --> 00:08:10.079 don't care if your sued for your personal assets, you're 138 00:08:10.079 --> 00:08:14.000 the one that was underinsured. They don't care. All they 139 00:08:14.040 --> 00:08:17.600 know is they risk twenty five thousand dollars. They're going 140 00:08:17.639 --> 00:08:20.959 to offer them twenty five thousand dollars. Those people are 141 00:08:21.000 --> 00:08:22.839 going to take that twenty five and they're gonna go 142 00:08:22.879 --> 00:08:25.240 after you, or they're going to refuse the twenty five 143 00:08:25.279 --> 00:08:27.439 and go after you. But if you're eighty one years 144 00:08:27.439 --> 00:08:29.959 old and you have more than a million dollars in assets, 145 00:08:30.160 --> 00:08:35.200 the attorneys will never stop never. I'm telling you, Danny, 146 00:08:35.240 --> 00:08:37.600 I'm telling you what to get ready for now. You 147 00:08:37.639 --> 00:08:41.639 do need an attorney to represent you, you really do, 148 00:08:42.320 --> 00:08:44.440 and I don't know where you're gonna find one because 149 00:08:45.919 --> 00:08:48.240 the attorneys aren't going to work on a contingency. So 150 00:08:48.320 --> 00:08:50.120 you're going to have to pay for an attorney. And 151 00:08:50.159 --> 00:08:52.279 I'm going to tell you a retainer on a case 152 00:08:52.399 --> 00:08:55.919 like this is going to be about ten grand upfront. 153 00:08:57.559 --> 00:09:00.279 I understand that, Tom. 154 00:09:00.320 --> 00:09:02.480 What do you think if Danny calls John Fulad to 155 00:09:02.480 --> 00:09:10.759 get a referral to a defense attorney, what did he say? 156 00:09:12.240 --> 00:09:14.159 He gave me this Rick Train's number. 157 00:09:14.559 --> 00:09:18.120 And I've called this guy a many, many many times 158 00:09:18.440 --> 00:09:21.679 and I don't even get a phone answer, like like 159 00:09:21.679 --> 00:09:24.480 like like it's nobody's on the other end of the line. 160 00:09:25.240 --> 00:09:27.240 Let's try to get more. And I would say, I 161 00:09:27.279 --> 00:09:28.720 would say that's a red flag. 162 00:09:29.840 --> 00:09:33.279 I would yeah, Well, I mean just called nobody only 163 00:09:33.279 --> 00:09:36.080 even answered the phone. And so I went online to 164 00:09:36.120 --> 00:09:38.360 make sure that I had the right phone number, and 165 00:09:38.399 --> 00:09:41.360 it's this guy's right phone number, but he won't answer. 166 00:09:42.879 --> 00:09:44.159 Well, then you need someone else. 167 00:09:45.159 --> 00:09:45.799 That's why I'm. 168 00:09:47.519 --> 00:09:48.840 One of my insurance people. 169 00:09:48.919 --> 00:09:52.440 Tell me about the Affidavid, tell me, hold on a second. 170 00:09:52.480 --> 00:09:54.399 I got to take a break. Hold on a second. 171 00:09:54.399 --> 00:09:56.679 I got to take a break. And I want to 172 00:09:57.039 --> 00:10:00.039 come back and talk to you about that affidavit. And 173 00:10:00.039 --> 00:10:02.639 and Brian, stay on the line. I'm interested to hear 174 00:10:03.080 --> 00:10:05.799 what your family does for fun. We have more coming 175 00:10:05.879 --> 00:10:09.159 up on the Troubleshooter showwaterpros dot net the best water systems, 176 00:10:09.200 --> 00:10:12.559 the lowest prices, and I'm telling you the best for 177 00:10:12.559 --> 00:10:15.320 for thirty one, for thirty nine ninety five under four grand. 178 00:10:15.320 --> 00:10:17.960 You get reverse osmosis drinking water. You get rid of chemicals, 179 00:10:17.960 --> 00:10:20.480 heavy metals, you get rid of plastics, you get rid 180 00:10:20.519 --> 00:10:25.279 of chlorine. You have softened, wonderful purified water. Waterpros dot 181 00:10:25.320 --> 00:10:27.559 Net three O three eight six y two five five 182 00:10:27.679 --> 00:10:30.600 five four. Listen, don't bother eating right if you're gonna 183 00:10:30.679 --> 00:10:33.879 drink crap water. Water's the number one thing we consume 184 00:10:34.399 --> 00:10:36.840 three oh three eight six y two five five five four, 185 00:10:36.960 --> 00:10:44.279 Never cheaper, never better, go with a sure thing. Denver's 186 00:10:44.320 --> 00:10:47.240 Best roofer Excel roofing dot com. You don't pay a 187 00:10:47.320 --> 00:10:53.799 cent until you're content. Time for an insurance check up free, 188 00:10:53.879 --> 00:10:57.600 no obligation. In comparison, call Compass Insurance. Pay too much 189 00:10:57.720 --> 00:11:00.679 your coverage at dozens of insurance companies find out now 190 00:11:00.759 --> 00:11:03.039 three oh three seven to seven to one help. You'll 191 00:11:03.039 --> 00:11:05.799 think you're his only customer when you choose Frank durand 192 00:11:05.799 --> 00:11:08.240 the real estate Man dot com to list your home 193 00:11:08.440 --> 00:11:11.639 with Remax Alliance three oh three nine two zero sixteen 194 00:11:11.679 --> 00:11:19.840 twenty two. Hi, I'm Tom Martinez. You a troubleshooter. Listen. 195 00:11:19.879 --> 00:11:22.200 We have a classic case on the line right now 196 00:11:22.799 --> 00:11:26.480 of Danny who was under insured. He had liability insurance 197 00:11:26.600 --> 00:11:29.679 for twenty five thousand dollars, yet he has more than 198 00:11:29.679 --> 00:11:32.159 a million dollars in assets. Well, what the hell do 199 00:11:32.200 --> 00:11:33.879 you think is going to happen when you hit someone? 200 00:11:34.679 --> 00:11:36.799 You think they're going to settle for twenty five grand 201 00:11:37.240 --> 00:11:39.360 when they look at you and know that you had 202 00:11:39.360 --> 00:11:41.799 a paid off home and all the other stuff. Now, 203 00:11:41.840 --> 00:11:43.519 a certain amount of your equity is going to be 204 00:11:43.519 --> 00:11:45.720 safe in your home, but that's it. Everything else is 205 00:11:45.799 --> 00:11:51.440 up for grabs. So you're in a very dangerous situation, 206 00:11:51.879 --> 00:11:54.039 and I almost think what you need is a criminal 207 00:11:54.039 --> 00:11:59.159 defense attorney, because running a red light's a crime. They're 208 00:11:59.159 --> 00:12:04.879 going to claim the crime crime caused the damage. But Danny, 209 00:12:05.000 --> 00:12:07.200 I'm going to tell you something, and I really mean it. 210 00:12:07.799 --> 00:12:13.720 Unless you can prove, absolutely prove that you did not 211 00:12:13.840 --> 00:12:16.240 run a red light and it was the other party's fault, 212 00:12:17.200 --> 00:12:19.200 you're going to end up paying a lot of money. 213 00:12:20.000 --> 00:12:23.399 I hate telling you that, but the handwriting's on the wall. 214 00:12:24.600 --> 00:12:27.679 I mean, they've already done a search on you and 215 00:12:27.799 --> 00:12:33.639 probably found everything you have. I hate to tell you this, bro, 216 00:12:33.960 --> 00:12:38.159 but you and right now, if you try moving assets 217 00:12:38.240 --> 00:12:41.679 or transferring assets, you'll go to jail because it'll be 218 00:12:42.120 --> 00:12:45.200 that'll be fraud. Because now you know you're in danger 219 00:12:45.240 --> 00:12:48.399 of a judgment. They put you on notice you can't 220 00:12:48.399 --> 00:12:55.399 move your assets. So, Danny, what exactly did they send you? 221 00:12:55.440 --> 00:12:57.919 Did they send you a lawsuit, a summons to a 222 00:12:58.320 --> 00:13:00.440 or what? How do you know you're being sued? 223 00:13:02.159 --> 00:13:06.000 I got I got a it's an appidavit. I'm gonna call. 224 00:13:06.080 --> 00:13:09.000 There's there's two of them. One of them. One of 225 00:13:09.039 --> 00:13:12.639 the appidavits is that I signed that I have no 226 00:13:12.799 --> 00:13:18.960 other no other insurance policy, okay, and then then the 227 00:13:18.960 --> 00:13:24.759 the one the Appidavid, it's Scott, it's Scott. I think 228 00:13:24.799 --> 00:13:28.200 there's eleven. They call them questions and they're not questions 229 00:13:28.200 --> 00:13:30.080 that they're paragraphs and I. 230 00:13:30.200 --> 00:13:34.559 And they're interrogatories. They're they're called interrogatories. 231 00:13:35.480 --> 00:13:35.799 Okay. 232 00:13:35.840 --> 00:13:39.840 I under checked whether whether they're uh uh, they're true 233 00:13:39.919 --> 00:13:44.159 or false. And and there's so many sentences in these paragraphs. 234 00:13:44.399 --> 00:13:46.519 Some of it could be true, some of it could 235 00:13:46.519 --> 00:13:50.200 be false. And so I haven't sent anything. I've got 236 00:13:50.279 --> 00:13:53.440 it here, I can maybe I can. 237 00:13:53.279 --> 00:13:54.000 Email it to you. 238 00:13:54.039 --> 00:13:55.360 See you can look at it though. 239 00:13:55.320 --> 00:13:58.000 Yes you can, well you yes you can. Why don't 240 00:13:58.039 --> 00:13:59.919 we Why don't we postpone this till we can get 241 00:13:59.919 --> 00:14:03.600 an attorney on any kind of defense attorney for you 242 00:14:03.679 --> 00:14:05.559 and Danny. I want you to email that to me 243 00:14:05.639 --> 00:14:07.480 as well so I can see it. I want to 244 00:14:07.519 --> 00:14:10.879 look at the true and false statements. So you have 245 00:14:10.919 --> 00:14:13.159 not consulted any attorneys yet, right. 246 00:14:14.080 --> 00:14:19.080 I've been trying. I called John Fuller, and then I John. 247 00:14:18.840 --> 00:14:22.039 Fuller does not John Fuller goes after people like you. 248 00:14:22.440 --> 00:14:26.919 He doesn't defend people, okay, that his practice is going 249 00:14:27.000 --> 00:14:30.480 after people who are liable and who are worth a 250 00:14:30.480 --> 00:14:33.120 lot of money or who have a lot of insurance. Okay, 251 00:14:33.159 --> 00:14:36.240 that's what John Fuller does. He's not going to defend someone. 252 00:14:38.279 --> 00:14:41.840 It's counter to his practice and the guy that he recommended. 253 00:14:41.919 --> 00:14:44.080 If the guy didn't answer the phone, then that would 254 00:14:44.080 --> 00:14:47.320 be my first indication. If I can't get the phone answered, 255 00:14:47.360 --> 00:14:49.879 I'm not going with the law practice. So we're going 256 00:14:49.960 --> 00:14:52.279 to try to find someone and get some opinions. I'm 257 00:14:52.279 --> 00:14:55.279 Tom Martine three ZHO three seven one three talks seven 258 00:14:55.320 --> 00:14:58.759 one three A two five five. Danny, you are a 259 00:14:58.879 --> 00:15:02.600 poster child for under insurance and how dangerous it can 260 00:15:02.639 --> 00:15:06.639 be people who think they're saving money monthly by having 261 00:15:06.799 --> 00:15:10.600 low liability. It might make you feel good, okay, but 262 00:15:10.840 --> 00:15:13.840 truly you're going to end up in very big trouble 263 00:15:13.919 --> 00:15:16.960 with even a minor accident, because they're going to look 264 00:15:17.000 --> 00:15:19.000 at you and say, wait a minute. This guy has 265 00:15:19.039 --> 00:15:21.600 a house, he has a boat, he has a lot 266 00:15:21.639 --> 00:15:23.879 of money in the bank, he has stocks and bonds, 267 00:15:24.159 --> 00:15:28.919 and he wants me to settle for twenty five grand. Haha. 268 00:15:29.759 --> 00:15:32.080 Just a discussion with your attorney's going to get him 269 00:15:32.120 --> 00:15:37.519 fifty I'm telling you, it's all bad, all bad. Brian, 270 00:15:37.679 --> 00:15:43.120 I asked about hobbies and fun and value. What tell 271 00:15:43.159 --> 00:15:44.600 me what you have to say about that. 272 00:15:46.039 --> 00:15:50.120 Well, whenever I have an opportunity with clear skies and 273 00:15:50.279 --> 00:15:53.840 good weather, my grandson and I who's five years old, 274 00:15:54.799 --> 00:15:58.799 we build estes rockets together, paint them, we send them, 275 00:15:58.840 --> 00:16:01.799 glow them all that good stuff, paint them up, and 276 00:16:01.840 --> 00:16:05.679 then we go down to a really sizeable part and 277 00:16:05.759 --> 00:16:10.919 we launch rockets. Well, I get a okay, and I 278 00:16:11.000 --> 00:16:13.879 usually get like a crowd of kids looking because they're like, oh, 279 00:16:14.240 --> 00:16:18.279 model rockets, this is great. Well did I give you now? 280 00:16:18.320 --> 00:16:20.759 Do they come back down? Do they come back down 281 00:16:20.759 --> 00:16:23.919 on a parachute? 282 00:16:24.240 --> 00:16:24.960 Works to keep you? 283 00:16:25.240 --> 00:16:28.159 Yes? How big are these rockets? I've seen some of 284 00:16:28.159 --> 00:16:30.480 them that are pretty big. How big are yours? 285 00:16:30.799 --> 00:16:31.000 Well? 286 00:16:31.080 --> 00:16:34.039 These are the mild ones, or maybe I haven't. I 287 00:16:34.039 --> 00:16:35.840 don't have the four foot one yet or the five 288 00:16:35.840 --> 00:16:39.440 foot one which is the green, or the meani. But 289 00:16:39.600 --> 00:16:42.200 I do have one that stands about two and a 290 00:16:42.200 --> 00:16:42.879 half feet tall. 291 00:16:44.320 --> 00:16:46.679 But and they travel about anywhere from one. 292 00:16:46.639 --> 00:16:50.320 Thousand to eighteen hundred feet. Goes up quite a ways. 293 00:16:50.679 --> 00:16:52.399 But the funny thing is all the kids that come 294 00:16:52.440 --> 00:16:53.120 around to watch. 295 00:16:53.519 --> 00:16:54.559 I make it a competition. 296 00:16:55.639 --> 00:16:59.200 I tell them. Anybody who can catch a rocket. 297 00:16:58.960 --> 00:17:01.399 Before it hits the ground, I'll give them five bucks. 298 00:17:01.480 --> 00:17:05.559 And commercial farms co oh wow, that's fun. That's fun. 299 00:17:05.640 --> 00:17:07.519 Turn you know, I don't have to run after it. 300 00:17:07.559 --> 00:17:09.400 I get these kids to go run after it, and 301 00:17:09.440 --> 00:17:11.079 whoever comes back with the rocket in their hand, I 302 00:17:11.119 --> 00:17:11.880 give them a five dollars. 303 00:17:13.599 --> 00:17:16.440 Does it ever get carried away to where you can't 304 00:17:17.039 --> 00:17:17.680 retrieve it? 305 00:17:18.839 --> 00:17:20.319 Yes, I've had. 306 00:17:20.319 --> 00:17:22.559 I've lost several rockets, and a lot of times the 307 00:17:23.200 --> 00:17:26.400 trajectory I actually pointed in a certain area where I 308 00:17:26.480 --> 00:17:29.440 know the airflow is going, and I'm pretty. 309 00:17:29.160 --> 00:17:31.160 Good about, you know, getting it close to the. 310 00:17:31.200 --> 00:17:33.599 Launch pad, but I have lost a few when when 311 00:17:33.599 --> 00:17:35.039 it hit turbulence up in the air. 312 00:17:36.400 --> 00:17:38.559 Now, i'd like to ask you, in general, what does 313 00:17:38.599 --> 00:17:42.640 it cost for an average two foot rocket two foot rocket? 314 00:17:43.759 --> 00:17:46.160 Anywhere from twenty bucks to thirty five. 315 00:17:47.519 --> 00:17:49.119 That's it. That includes fuel. 316 00:17:50.319 --> 00:17:52.440 No, the motors are the engines, which. 317 00:17:52.279 --> 00:17:56.720 Are solid rocket propulsion. They're really small and they range. 318 00:17:56.720 --> 00:17:59.920 You get a two pack with with uh with actually 319 00:18:00.079 --> 00:18:04.599 the stopper for the fuse, and that usually runs about 320 00:18:04.640 --> 00:18:05.440 three bucks a pack. 321 00:18:07.079 --> 00:18:09.799 Well that's not bad. So we're talking to launch your 322 00:18:09.880 --> 00:18:13.960 rocket a two foot rocket with the rocket and the 323 00:18:13.960 --> 00:18:16.400 fuel is about forty bucks. 324 00:18:16.960 --> 00:18:18.759 Yeah, well, and you got to get the launch pad 325 00:18:18.759 --> 00:18:21.799 and the and the actual mechanism that the or the 326 00:18:21.880 --> 00:18:22.680 launch controller. 327 00:18:23.000 --> 00:18:24.759 I've got a I got how much then? 328 00:18:24.839 --> 00:18:26.319 How much would all that set up be? 329 00:18:27.480 --> 00:18:30.920 We call that a couple hundred bucks overall, because I 330 00:18:30.960 --> 00:18:33.519 got the professional one, which is actually allows you to 331 00:18:33.559 --> 00:18:35.160 do two rockets at a time. 332 00:18:36.680 --> 00:18:39.400 I also, yeah, I mean it's it could get you 333 00:18:39.440 --> 00:18:40.519 can go far into it. 334 00:18:40.839 --> 00:18:42.599 The next next step up, I'm gonna. 335 00:18:42.400 --> 00:18:44.359 Try to build a twenty foot rocket and get. 336 00:18:44.160 --> 00:18:46.119 Out into the planes and shoot it up through the 337 00:18:46.240 --> 00:18:46.599 Wait a. 338 00:18:46.519 --> 00:18:49.039 Minute, Wait a minute, are we allowed to build? At 339 00:18:49.079 --> 00:18:51.720 what point do we become elon musk or we become 340 00:18:52.200 --> 00:18:55.880 like uh uh uh, like how big can we make 341 00:18:55.920 --> 00:18:57.079 the damn things? 342 00:18:57.759 --> 00:19:00.880 You can get approval. You have to get flight You 343 00:19:00.920 --> 00:19:05.119 gotta basically, like a pilot does you have to, I guess, 344 00:19:05.559 --> 00:19:07.680 file a flight plan about when you're gonna do it, 345 00:19:07.680 --> 00:19:10.559 how high it's gonna supposedly go, and all that, and 346 00:19:10.559 --> 00:19:12.960 they'll give you an approval time when you can do it. 347 00:19:13.920 --> 00:19:15.839 But it's all you got to get approval through the FAA. 348 00:19:17.119 --> 00:19:19.640 Okay, you get approval through the FAA. But where do 349 00:19:19.680 --> 00:19:23.319 you launch from? Do you have to get approval for that? Yeah? 350 00:19:23.839 --> 00:19:26.680 Usually, I've been looking into it. You can if you 351 00:19:26.880 --> 00:19:29.440 if you're friends with a farmer or something that's that's adequate. 352 00:19:30.759 --> 00:19:33.400 So are you telling me that is what's the limit? 353 00:19:33.480 --> 00:19:35.680 Twenty foot? Are there any limits? Or can I just 354 00:19:35.720 --> 00:19:37.400 build a fricking rocket and get in it? 355 00:19:38.680 --> 00:19:40.799 Well, my grandson wants me to build one for him 356 00:19:40.799 --> 00:19:42.680 and me both to get a shot into the into 357 00:19:42.720 --> 00:19:45.759 space with it. So you know, I really don't know this. 358 00:19:45.839 --> 00:19:49.119 The size limit, I would assume it probably shuts down 359 00:19:49.200 --> 00:19:53.799 right around probably right at ten f because how much. 360 00:19:53.680 --> 00:19:55.319 Is the twenty foot rocket gonna cost? 361 00:19:56.200 --> 00:19:59.519 Uh, we're looking at about five to ten grand overall. 362 00:20:00.880 --> 00:20:01.519 Wow. 363 00:20:01.519 --> 00:20:04.880 And then the fuel system exactly, And it uses a 364 00:20:04.880 --> 00:20:09.000 whole different technology for fuel. It's not your normal solid propulsion. 365 00:20:09.759 --> 00:20:14.400 It can be liquefied. It's if you watch it on 366 00:20:14.680 --> 00:20:19.319 YouTube called Dude Perfect. They actually have three launch competitions 367 00:20:19.920 --> 00:20:22.759 and they do the big ones. They got thirty footers 368 00:20:22.960 --> 00:20:24.640 and they go, hi, wow. 369 00:20:24.720 --> 00:20:28.000 I never dreamed I get rocket launching as one as 370 00:20:28.079 --> 00:20:31.160 one of the nominations. I never dreamed I would get 371 00:20:31.160 --> 00:20:33.400 that thank you very much for calling. You appreciate that. 372 00:20:33.440 --> 00:20:35.920 Brian three oh three, seven to one three talk. Did 373 00:20:36.000 --> 00:20:37.960 you know what we were gonna say? Some bow. 374 00:20:38.240 --> 00:20:40.880 I'm just gonna ask Brian if you could put a 375 00:20:41.000 --> 00:20:42.640 small camera in these rockets. 376 00:20:42.799 --> 00:20:43.359 Of course you do. 377 00:20:43.480 --> 00:20:44.920 Oh yeah, personally they do that. 378 00:20:45.000 --> 00:20:45.880 They do it all the time. 379 00:20:46.000 --> 00:20:48.039 And by the way, Est is a Colorado company. I 380 00:20:48.039 --> 00:20:50.799 don't know if you know that they're they're headquartered in Penrose. 381 00:20:50.960 --> 00:20:53.400 The Rocket Yeah, that's this rocket company. 382 00:20:53.440 --> 00:20:58.920 Now listen in this In this uh survey of hobbies, 383 00:20:59.680 --> 00:21:04.039 what do you think the number one reason people have hobbies? 384 00:21:05.200 --> 00:21:07.480 The number one reason. Eighty one percent of the people 385 00:21:07.960 --> 00:21:12.400 responded to this answer why they have a hobby? Why? 386 00:21:12.519 --> 00:21:15.279 Why would you have a hobby? Both you like shooting, right. 387 00:21:15.160 --> 00:21:17.920 I like shooting and collecting World War two items, and 388 00:21:18.000 --> 00:21:20.839 I like it gives me something to do when I'm retired. 389 00:21:20.960 --> 00:21:27.079 Okay, Number one stress relief. Stress relief. 390 00:21:27.599 --> 00:21:30.240 But that makes total sense because you're away from home 391 00:21:30.359 --> 00:21:32.440 and work, which. 392 00:21:32.160 --> 00:21:34.920 Is doing something voluntary that you want. 393 00:21:34.759 --> 00:21:38.240 To do that you can do, so it totally makes sense. 394 00:21:38.279 --> 00:21:41.920 It clears my mind, and home and worker the only source. 395 00:21:41.720 --> 00:21:43.240 Of what clears your mind. By the way. 396 00:21:43.640 --> 00:21:45.480 Oh you know in the summer, I do a lot 397 00:21:45.480 --> 00:21:48.200 of four wheeling, Yeah, you love for within year round, 398 00:21:48.240 --> 00:21:51.920 I engage in photography and so that's uh in target 399 00:21:51.920 --> 00:21:55.240 shooting and so all three of those just really clear 400 00:21:55.319 --> 00:21:56.799 my mind like a game of chesswood. 401 00:21:57.559 --> 00:22:00.480 It's amazing. Eighty one percent say the number one reason 402 00:22:00.559 --> 00:22:02.440 for a hobby is stress relief. I want to hear 403 00:22:02.440 --> 00:22:04.759 about your hobby and pastime as well. And if you 404 00:22:04.799 --> 00:22:06.720 have any problems, questioning complaints, I want to hear from 405 00:22:06.759 --> 00:22:09.599 that too. Three oh three seven to one three talks 406 00:22:09.599 --> 00:22:12.279 seven one three eight two five five. Frank Durand the 407 00:22:12.279 --> 00:22:15.079 real estate man right now offering free market valuations of 408 00:22:15.160 --> 00:22:17.559 your home. So he'll tell you what your house will 409 00:22:17.599 --> 00:22:20.279 sell for based on the current market, the supplying demand, 410 00:22:20.559 --> 00:22:23.839 the comps. It's a real, true evaluation and it's free 411 00:22:23.839 --> 00:22:26.799 of charge. So before you even think about listening, you 412 00:22:26.880 --> 00:22:28.920 might want to call Frank Durand the reestateman dot com 413 00:22:28.920 --> 00:22:33.160 three oh three nine two zero sixteen twenty two go 414 00:22:33.279 --> 00:22:37.000 with a sure thing Denver's best roofer Excel Roofing dot com. 415 00:22:37.039 --> 00:22:42.799 You don't pay a cent until you're content. Time for 416 00:22:42.839 --> 00:22:46.000 an insurance check up free no obligation. In comparison, call 417 00:22:46.119 --> 00:22:49.440 Compass Insurance paying too much your coverage at dozens of 418 00:22:49.440 --> 00:22:52.400 insurance companies find out Now three oh three seven seven 419 00:22:52.400 --> 00:22:55.200 to one help. You'll think you're his only customer when 420 00:22:55.200 --> 00:22:57.720 you choose Frank durand the real estate man dot com 421 00:22:57.720 --> 00:23:00.799 to list your home with Remax Alliance three oh three 422 00:23:00.920 --> 00:23:07.400 nine two zero sixteen twenty two. In addition to your problems, 423 00:23:07.519 --> 00:23:12.000 questions and complaints, I want to know what you do 424 00:23:12.079 --> 00:23:14.440 for a pastime. How much does it cost? Is it 425 00:23:14.480 --> 00:23:17.279 a good dollar value or do you not care because 426 00:23:17.319 --> 00:23:20.720 you love it so much? What is your passion? 427 00:23:21.200 --> 00:23:22.640 Hey, Tom, I have a great hobby. 428 00:23:22.640 --> 00:23:25.319 Now what do you have? Doc? 429 00:23:25.640 --> 00:23:28.559 I played poker and my hobby pays for. 430 00:23:28.519 --> 00:23:34.440 Itself, you know what. I got a text about that 431 00:23:34.720 --> 00:23:40.519 just now and said that they play cards. I don't 432 00:23:40.559 --> 00:23:43.279 know if they play poker, but you know, I know 433 00:23:43.400 --> 00:23:46.440 a lot of people who do poker, and they do 434 00:23:46.480 --> 00:23:50.519 it for money, and it's a pastime. You get socialization 435 00:23:50.720 --> 00:23:54.799 with your buddies, you got refreshments. You know, it's it's 436 00:23:54.920 --> 00:23:58.680 uh and you got you got money you can make 437 00:23:59.240 --> 00:24:01.640 and if you do lose, you're probably you know, you 438 00:24:01.759 --> 00:24:04.160 limit it right, it's not like hardcore right? 439 00:24:04.400 --> 00:24:04.440 No? 440 00:24:04.599 --> 00:24:08.680 Absolutely, do you do tournament style when you guys play, 441 00:24:08.799 --> 00:24:09.839 or do you do by hand? 442 00:24:09.960 --> 00:24:10.119 No? 443 00:24:10.160 --> 00:24:14.119 I do cash games. There's you know, tournament play is 444 00:24:14.279 --> 00:24:17.960 very different than just playing regular poker, Like everybody's used 445 00:24:17.960 --> 00:24:19.319 to number one. 446 00:24:19.880 --> 00:24:22.680 If you're winning and you have to leave, you lose. 447 00:24:22.440 --> 00:24:24.920 All your money. Or if you're playing in a regular 448 00:24:24.920 --> 00:24:27.160 poker game, if you have to leave, you just get 449 00:24:27.240 --> 00:24:31.160 up and leave with whatever you have. So I used 450 00:24:31.200 --> 00:24:32.599 to do a lot of Are. 451 00:24:32.400 --> 00:24:34.880 There any rules? I want to know this because I 452 00:24:34.920 --> 00:24:37.680 hear a lot of people get pissed off. Are there 453 00:24:37.720 --> 00:24:40.000 any rules as to how long you have to stay 454 00:24:40.039 --> 00:24:43.039 if you're paying, if you're like on a Saturday you're 455 00:24:43.039 --> 00:24:45.480 playing with your buds, or Wednesday evening or however you 456 00:24:45.519 --> 00:24:45.799 do it. 457 00:24:46.000 --> 00:24:47.720 Usually if there's a home you can make. 458 00:24:47.720 --> 00:24:49.680 You win a crapload of money and want to leave, 459 00:24:50.000 --> 00:24:51.359 What do the guys think, Well, you. 460 00:24:51.400 --> 00:24:54.200 Just won't get invited back if you're in a casino. 461 00:24:54.440 --> 00:24:57.119 So if you're in a casino, you could play one 462 00:24:57.160 --> 00:24:58.279 hand and get. 463 00:24:58.200 --> 00:24:58.640 Up and leave. 464 00:24:58.720 --> 00:24:59.759 Nobody says anything. 465 00:25:00.160 --> 00:25:03.480 But when you're playing in a social game, regardless of 466 00:25:03.519 --> 00:25:06.880 the stakes, if you you usually have to commit to 467 00:25:06.920 --> 00:25:09.559 a certain amount of time unless you're losing. 468 00:25:09.599 --> 00:25:09.640 This. 469 00:25:09.799 --> 00:25:11.880 So if you guys say, hey, we're gonna be playing 470 00:25:12.000 --> 00:25:14.640 till eight o'clock, then you want them to stay at 471 00:25:14.680 --> 00:25:16.079 least through eight o'clock. 472 00:25:15.799 --> 00:25:18.200 Unless they say ahead of time, look, I have to 473 00:25:18.240 --> 00:25:21.400 leave at seven point thirty. So if people announce when 474 00:25:21.400 --> 00:25:25.319 they're gonna leave and they do that, nobody cares because 475 00:25:25.359 --> 00:25:28.039 they could be winning or losing. What people get upset 476 00:25:28.039 --> 00:25:30.200 about get you is if you don't say when you're 477 00:25:30.200 --> 00:25:32.440 gonna leave, and then you win a big hand or 478 00:25:32.519 --> 00:25:34.559 you're up a lot of money and then get up 479 00:25:34.559 --> 00:25:36.680 and leave, you won't get invited back. 480 00:25:38.160 --> 00:25:40.119 By the way, you guys can text me at seven 481 00:25:40.200 --> 00:25:44.480 four seven, Thank you, Doc. You can text me your 482 00:25:44.519 --> 00:25:49.119 hobbies too, seven four seven nine fifty eighty. That's my 483 00:25:49.400 --> 00:25:52.400 private text number. So you can text me there about 484 00:25:52.440 --> 00:25:55.799 the show about Wave eight wealth management, or you can 485 00:25:55.839 --> 00:25:58.839 text me right now on the topic what do you 486 00:25:58.880 --> 00:26:01.079 do for a pastime? What do you love doing? What 487 00:26:01.200 --> 00:26:04.319 is your passion? Now? Pastimes are not all sports and 488 00:26:04.359 --> 00:26:07.400 they're not all hobbies. They're just different mixtures of things. 489 00:26:07.720 --> 00:26:11.480 Some people. One guy says, Tom, I actually enjoy my 490 00:26:11.680 --> 00:26:17.839 job and it is. I love it, and when I'm relaxing, 491 00:26:18.319 --> 00:26:22.359 I like doing it. This person happens to be an accountant. 492 00:26:22.720 --> 00:26:27.119 They enjoy it. I mean, that's really good when you 493 00:26:27.160 --> 00:26:31.279 can enjoy what you do as a living. Now, obviously 494 00:26:31.359 --> 00:26:34.119 I just wouldn't have the physical strength to do radio 495 00:26:34.240 --> 00:26:37.240 twenty four hours obviously, you know, or all the time. 496 00:26:37.279 --> 00:26:41.559 But radio's fun for me now is major mark major there, 497 00:26:41.559 --> 00:26:44.759 because I know they have a lot of pastimes they 498 00:26:44.799 --> 00:26:47.680 do from time to time, and one of them, of course, 499 00:26:47.759 --> 00:26:49.759 is their motor home. I used to have a motor home. 500 00:26:50.480 --> 00:26:53.839 I loved motor homing. Part of the joy was the 501 00:26:53.960 --> 00:26:57.640 drive to different places and seeing the country, and then 502 00:26:57.680 --> 00:27:00.000 when you get there, you got your home with you. 503 00:27:00.680 --> 00:27:05.319 There's really nothing like It's so wonderful. I often joked 504 00:27:06.720 --> 00:27:13.200 that motor homing was like RV's meant real vacation because 505 00:27:13.240 --> 00:27:16.640 you make your own schedules, you make your own you know, 506 00:27:16.720 --> 00:27:18.759 you chart your own course, you do what you want. 507 00:27:19.640 --> 00:27:21.920 So whatever it is that you do, I'd like to 508 00:27:21.960 --> 00:27:27.079 hear about it. One guy says here he enjoys gardening. Now, 509 00:27:27.119 --> 00:27:29.759 gardening is never something that turned me on, but a 510 00:27:29.839 --> 00:27:35.640 lot of people love gardening. They really do. But I 511 00:27:35.680 --> 00:27:38.839 want to ask you about one activity and I'm serious 512 00:27:38.880 --> 00:27:42.599 about it, and I actually looked it up and they 513 00:27:42.640 --> 00:27:47.720 said it might be an illness, not a pastime. I'm serious. Now, 514 00:27:47.759 --> 00:27:51.119 remind me about that. An illness not a pastime. John, 515 00:27:53.359 --> 00:28:05.640 what do you have a question on, John, I'll tell 516 00:28:05.640 --> 00:28:08.119 you what we're gonna do. We're gonna put John on 517 00:28:08.200 --> 00:28:11.720 hold Kaschina. You're gonna talk to John and you're gonna 518 00:28:11.720 --> 00:28:14.279 find out if he's ready to talk right after the break. 519 00:28:14.319 --> 00:28:17.240 I'm Tom Martino three oh three, seven to one three 520 00:28:17.319 --> 00:28:20.680 talk fix It twenty four to seven. They will do 521 00:28:21.000 --> 00:28:24.519 your air conditioner with a deep, deep clean and check 522 00:28:25.000 --> 00:28:27.559 and they will get it ready for the heating season 523 00:28:27.799 --> 00:28:30.119 for just thirty nine bucks if you haven't had it 524 00:28:30.160 --> 00:28:33.759 done yet. It's a practical refurbishment of the system for 525 00:28:33.960 --> 00:28:38.960 just thirty nine bucks. Fix my home dot com go 526 00:28:39.079 --> 00:28:42.799 with a sure thing Denver's Best roofer Excel Roofing dot com. 527 00:28:42.839 --> 00:28:48.599 You don't pay a cent until you're content. Time for 528 00:28:48.599 --> 00:28:51.799 an insurance check up free, no obligation. In comparison, call 529 00:28:51.920 --> 00:28:55.200 Compass insurance paying too much your coverage at dozens of 530 00:28:55.240 --> 00:28:57.920 insurance companies. Find out now three oh three, seven to 531 00:28:57.960 --> 00:29:00.799 seven to one. Help you'll think you're his only customer 532 00:29:00.799 --> 00:29:03.079 when you choose Frank durand the real estate man dot 533 00:29:03.079 --> 00:29:06.440 com to list your home with Remax Alliance three oh 534 00:29:06.440 --> 00:29:12.599 three nine two zero sixteen twenty two. Hi Tom Martine, 535 00:29:12.680 --> 00:29:16.960 you're a troubleshooter. We were talking about hobbies, pastimes, passions. 536 00:29:16.960 --> 00:29:18.920 What do you have? And I'm gonna go back to 537 00:29:19.000 --> 00:29:22.160 John on an eviction here, but I want to ask Mark. Mark. 538 00:29:22.200 --> 00:29:25.279 Someone asked something. They said, they know you go to 539 00:29:25.359 --> 00:29:29.319 Vegas a lot. In your last trip to Vegas? Was 540 00:29:29.359 --> 00:29:33.920 it slower than usual? Are you noticing a downturn in Vegas? Yeah, 541 00:29:33.920 --> 00:29:37.839 it was a little slower. Why do you think this 542 00:29:37.880 --> 00:29:41.079 person said that they've noticed it lately that there aren't 543 00:29:41.079 --> 00:29:43.359 as many people going to Vegas. Why do you think? 544 00:29:44.279 --> 00:29:46.960 I really don't know. But the airport wasn't that busy. 545 00:29:47.000 --> 00:29:50.680 Denver wasn't either, And we left on a Friday. Generally 546 00:29:50.799 --> 00:29:54.400 Denver when the ski stuff still open, it's a lot busier. 547 00:29:54.680 --> 00:29:57.240 But Denver wasn't busy. Vegas wasn't busy. 548 00:29:58.039 --> 00:30:01.480 Hey, Mark, do you think that was of two factors? 549 00:30:01.559 --> 00:30:06.839 One there's you know, sports betting by phone, so you 550 00:30:06.839 --> 00:30:08.119 don't have to go to Vegas to go to the 551 00:30:08.119 --> 00:30:12.240 sports book and the rise of more casinos and gambling 552 00:30:12.559 --> 00:30:16.000 and you know in other states like. 553 00:30:17.880 --> 00:30:20.960 Well, Doc, I just don't have an answer for that. 554 00:30:21.160 --> 00:30:22.440 I don't know the answer. 555 00:30:23.319 --> 00:30:24.039 Well, I'll tell you I don't. 556 00:30:24.440 --> 00:30:27.160 Guys so that I played poker with that don't go 557 00:30:27.200 --> 00:30:30.960 to Vegas anymore because they can play poker in Central 558 00:30:30.960 --> 00:30:31.839 City and Black. 559 00:30:31.720 --> 00:30:34.200 Most most of the casinos I go to, I mean 560 00:30:34.240 --> 00:30:36.640 they got rid of poker rooms like thirty years ago. 561 00:30:37.759 --> 00:30:42.160 Where what well, pretty much any station pretty much. 562 00:30:42.799 --> 00:30:43.240 Uh. 563 00:30:43.319 --> 00:30:45.240 The only place I can think of that I go 564 00:30:45.799 --> 00:30:50.079 occasionally Belagio. I don't even think Bolagio's got a poker 565 00:30:50.119 --> 00:30:50.680 room anymore. 566 00:30:50.720 --> 00:30:51.480 I mean they might. 567 00:30:51.680 --> 00:30:54.839 They all have poker rooms they Okay, Doc, I guess 568 00:30:54.839 --> 00:30:59.200 I'm crazy because where I just stayed didn't. The Cosmopolitan doesn't. 569 00:30:59.599 --> 00:31:02.119 Most of the places we go to do not have 570 00:31:02.200 --> 00:31:03.160 poker rooms. 571 00:31:03.839 --> 00:31:07.240 In this corner we have major market Ica, there's a 572 00:31:07.319 --> 00:31:09.279 brand new property, no poker room. 573 00:31:09.559 --> 00:31:13.519 Durango, brand new property, no poker brand rocks. 574 00:31:13.599 --> 00:31:16.400 That may be one of the reasons why, uh, you know, 575 00:31:16.519 --> 00:31:17.720 tourism is down. 576 00:31:18.680 --> 00:31:24.960 Because a poker room. Okay, to this mark. One guy 577 00:31:25.079 --> 00:31:30.359 said he enjoys picking up trash literally in the public. 578 00:31:30.599 --> 00:31:33.319 But I'm going to tell you about one that I 579 00:31:33.440 --> 00:31:36.720 discovered I went to I even went to my boyfriend 580 00:31:36.720 --> 00:31:40.279 to ask about it because it was Was it a hobby, 581 00:31:40.400 --> 00:31:42.839 was it a pastime? Was it a passion? I am 582 00:31:42.880 --> 00:31:46.480 told it is a mental illness, and I'm going to 583 00:31:46.519 --> 00:31:48.039 be telling you about that right now. I want to 584 00:31:48.079 --> 00:31:50.559 go to the phone, though, John, what about an eviction? 585 00:31:50.759 --> 00:31:51.440 What's going on? 586 00:31:52.599 --> 00:31:52.839 Hey? 587 00:31:52.960 --> 00:31:53.279 Tom? 588 00:31:53.319 --> 00:31:55.559 Hey, So I got a friend that's trying to invict 589 00:31:55.640 --> 00:31:57.279 his twenty five year old son. 590 00:31:57.079 --> 00:31:57.799 Out of his house. 591 00:31:58.799 --> 00:31:59.799 What's the process? 592 00:32:01.079 --> 00:32:04.400 Okay, I got to ask you. Your friend has a 593 00:32:04.440 --> 00:32:08.880 twenty five year old son. Do they have any kind 594 00:32:08.960 --> 00:32:11.839 of an agreement? Does the son pay anything? 595 00:32:12.839 --> 00:32:16.480 No agreement? No, no agreement, no nothing, Nope. 596 00:32:17.519 --> 00:32:20.279 Now I'm going to give you an off the cuff answer. 597 00:32:20.319 --> 00:32:23.000 And I'm serious. If I had a deadbeat son in 598 00:32:23.039 --> 00:32:24.880 my house and I wanted him out, I'd kick his 599 00:32:24.960 --> 00:32:27.079 ass out and lock him out. I changed the locks. 600 00:32:27.119 --> 00:32:29.519 I mean, are you telling me this son is saying 601 00:32:29.559 --> 00:32:30.559 I have rights? 602 00:32:31.720 --> 00:32:34.960 You know, he's well hip on the uh he needs 603 00:32:34.960 --> 00:32:37.200 to be evicted or if he has Yeah, he knows 604 00:32:37.240 --> 00:32:38.160 he has to be evicted. 605 00:32:38.200 --> 00:32:38.599 He's been here. 606 00:32:38.680 --> 00:32:40.680 Okay, I don't know if he has to be evicted. 607 00:32:40.720 --> 00:32:43.160 But this is really a good one for Brad O'Brien 608 00:32:43.559 --> 00:32:46.599 and John. This is a really good topic because I've 609 00:32:46.640 --> 00:32:50.279 actually never addressed it before, so that means it's new area. 610 00:32:50.559 --> 00:32:55.200 And by the way, I'm serious, we have now Mark. 611 00:32:55.519 --> 00:32:57.759 Didn't we have that one woman in the springs or 612 00:32:57.839 --> 00:33:00.240 some remember the one man that's always to be taken 613 00:33:00.279 --> 00:33:03.759 advantage of by her son and grandson? Did we have 614 00:33:03.799 --> 00:33:06.119 a question on eviction where the kid was saying, you 615 00:33:06.160 --> 00:33:11.880 can't get rid of me. I don't know, Mark, I 616 00:33:11.880 --> 00:33:14.720 don't remember. You know who I'm talking about, right, you know, 617 00:33:14.799 --> 00:33:17.759 we got talking and the grandson got on the line. Yeah, 618 00:33:17.839 --> 00:33:20.519 the grandson got on the line and said, you can't 619 00:33:20.559 --> 00:33:23.240 evict me. You know, you better shut up? And oh 620 00:33:23.279 --> 00:33:27.519 he was just a frickin' ough. Now listen, I'm gonna 621 00:33:27.519 --> 00:33:30.000 ask Brad O'Brien, honest to god, if you have a 622 00:33:30.039 --> 00:33:32.240 twenty five year old son, how long has the son 623 00:33:32.279 --> 00:33:33.039 been living there? 624 00:33:34.039 --> 00:33:35.240 Pretty much his whole life? 625 00:33:37.079 --> 00:33:40.279 Okay, So if you have a kid that's been living 626 00:33:40.319 --> 00:33:44.119 with you, your child, they turn eighteen nineteen twenty twenty one, 627 00:33:44.200 --> 00:33:46.920 twenty two. Does he pay anything at all? Is there 628 00:33:47.000 --> 00:33:50.640 any kind of a rental arrangement? He doesn't pay any 629 00:33:51.200 --> 00:33:52.680 And then he said, he, you know. 630 00:33:53.559 --> 00:33:55.759 I know there's no contract for sure, he doesn't have 631 00:33:55.960 --> 00:33:58.319 like a you know, at least he may pay some, 632 00:33:58.400 --> 00:33:59.359 but I don't think he does. 633 00:34:00.039 --> 00:34:00.839 So I don't think he does. 634 00:34:00.880 --> 00:34:03.240 But I know for sure one outside there's no rental 635 00:34:03.279 --> 00:34:06.160 agreement or nothing between them. 636 00:34:06.519 --> 00:34:07.440 Just okay, So. 637 00:34:09.360 --> 00:34:12.360 What I need to know is did he ask him 638 00:34:12.360 --> 00:34:16.639 to leave? Go with a sure thing Denver's Best roofer 639 00:34:16.760 --> 00:34:19.679 Excel Roofing dot com. You don't pay a cent until 640 00:34:19.679 --> 00:34:25.559 you're content. Time for an insurance check up free, no 641 00:34:25.639 --> 00:34:30.000 obligation comparison call Compass Insurance. Pay too much your coverage 642 00:34:30.039 --> 00:34:32.719 at dozens of insurance companies find out now three oh 643 00:34:32.760 --> 00:34:35.119 three seven to seven to one help. You'll think you're 644 00:34:35.159 --> 00:34:37.679 his only customer when you choose Frank durand the real 645 00:34:37.760 --> 00:34:40.760 estate Man dot com to list your home with Remax 646 00:34:40.800 --> 00:34:43.800 Alliance three oh three nine two zero sixteen twenty two. 647 00:34:44.719 --> 00:34:50.039 Yeah, ripped. 648 00:34:51.679 --> 00:34:53.800 News. 649 00:34:54.119 --> 00:34:54.880 You don't have to. 650 00:34:57.639 --> 00:35:00.000 Anxious cam. 651 00:35:00.360 --> 00:35:01.920 No shooter's gonna help. 652 00:35:02.199 --> 00:35:05.000 Come man, This is. 653 00:35:04.960 --> 00:35:11.079 The Troubleshooter show, No Tom Martino, Hi. 654 00:35:11.119 --> 00:35:14.760 Tom Martino Your Troubleshooter three all three seven to one 655 00:35:14.840 --> 00:35:18.360 three talk seven one three eight two five five. You know, 656 00:35:19.920 --> 00:35:26.960 I've seen movies. I've had friends, neighbors failure to launch 657 00:35:27.039 --> 00:35:29.480 kids once in a while, kids who just stay home, 658 00:35:30.760 --> 00:35:34.559 they don't do much, kind of deadbeats. You want to 659 00:35:34.719 --> 00:35:36.320 you want to get them off their butts. You want 660 00:35:36.360 --> 00:35:39.079 them to go to work, you want them to do something. Hey, 661 00:35:39.119 --> 00:35:41.480 why don't you chip in around here? Do some chores? 662 00:35:41.519 --> 00:35:45.400 They say, leave me alone. You're always bugging me. Okay, 663 00:35:45.519 --> 00:35:50.599 parent kid thing, right, parent kid thing. So you say, 664 00:35:50.599 --> 00:35:53.519 one day, hey, Johnny, get your ass off the couch 665 00:35:53.559 --> 00:35:56.119 and get out of here, pack up and leave. I 666 00:35:56.159 --> 00:35:59.039 don't want you around anymore. Now, this is a kid, 667 00:35:59.079 --> 00:36:04.960 this is your son daughter, and he's twenty five and 668 00:36:04.960 --> 00:36:11.039 he's not working or at a kid four and she's 669 00:36:12.800 --> 00:36:15.880 what's that mark? Where do you define a kid? You 670 00:36:16.039 --> 00:36:19.079 just lost me in that well. I'm talking as an offspring. 671 00:36:19.320 --> 00:36:22.199 I'm talking off spring. Okay. You know obviously they're not 672 00:36:22.280 --> 00:36:26.239 kids anymore. Right, So you want them out, your deadbeat? 673 00:36:26.280 --> 00:36:30.760 Get out? The kid says, yeah, right, you got to 674 00:36:30.840 --> 00:36:33.760 evict me. Well, I'll tell you what I would do 675 00:36:33.800 --> 00:36:35.960 I had a victim on their ass. I don't know, 676 00:36:36.039 --> 00:36:38.039 but would I be in trouble. Brad O'Brien is our 677 00:36:38.039 --> 00:36:41.039 real estate expert. He's not going to give it off 678 00:36:41.039 --> 00:36:43.400 the cuff answer. He's not going to give a seat 679 00:36:43.400 --> 00:36:45.519 at the pants answer. He's going to look at it 680 00:36:45.800 --> 00:36:48.920 from a legal perspective. So, Brad, is this kid right 681 00:36:48.960 --> 00:36:51.440 when he tells his dad you can't get rid of 682 00:36:51.440 --> 00:36:52.400 me without an eviction? 683 00:36:53.880 --> 00:36:57.480 That's right? The son who's an adult over eighteen, eighteen 684 00:36:57.559 --> 00:37:02.000 or more is has tenant protection and he's entitled to 685 00:37:02.039 --> 00:37:02.920 do process. 686 00:37:03.280 --> 00:37:06.800 You know, if he's not, even if there's nothing in writing, 687 00:37:06.920 --> 00:37:09.760 even if they have no arrangement in writing, nothing he 688 00:37:09.840 --> 00:37:10.840 never paid a dime. 689 00:37:12.199 --> 00:37:13.719 You don't need to have a written lease to have 690 00:37:13.719 --> 00:37:16.519 a tendency. So it sounds like he has a tenancy 691 00:37:16.639 --> 00:37:18.440 at will. If there's never been a lease, he's never 692 00:37:18.480 --> 00:37:22.039 been responsible to pay rent. He's got a tendency at will. Okay, 693 00:37:22.119 --> 00:37:26.119 permitable pretty easily on a three day noticed the terminate tendency. 694 00:37:26.880 --> 00:37:28.079 So you're getting this three days. 695 00:37:28.000 --> 00:37:31.679 Okay, So explain this then, a tendancy? What did you 696 00:37:31.719 --> 00:37:33.000 call it, what kind of tendency? 697 00:37:33.400 --> 00:37:36.960 A tendency at will? It's not a month to month tenancy, okay, 698 00:37:37.159 --> 00:37:39.440 a year to year tendency, tendency at will, which is 699 00:37:39.519 --> 00:37:40.760 terminable really quick. 700 00:37:40.840 --> 00:37:44.559 So how do I terminate? How do I terminate a 701 00:37:44.599 --> 00:37:46.400 tendancy at will? 702 00:37:47.039 --> 00:37:50.159 Oh, there's actually a court form out there. It's available 703 00:37:50.199 --> 00:37:53.159 on the court website called notice the Terminate Tendency Form, 704 00:37:53.199 --> 00:37:55.480 and you check the box for is this a tendency 705 00:37:55.519 --> 00:37:58.079 at will? Yes, that's a three day notice. So you 706 00:37:58.119 --> 00:38:00.000 fill out this form, sign it if you're the lad 707 00:38:00.079 --> 00:38:03.000 lord or can ever being an attorney to it and 708 00:38:03.920 --> 00:38:05.639 give it to them, and then three days later they're 709 00:38:05.639 --> 00:38:07.199 supposed to get out. If they're not out at the 710 00:38:07.239 --> 00:38:09.760 end of the three days, then on day four the 711 00:38:09.800 --> 00:38:11.599 parents can file a court complaint for eviction. 712 00:38:13.719 --> 00:38:16.719 Now, can the father at the end of the three 713 00:38:16.800 --> 00:38:18.199 days just remove his stuff? 714 00:38:19.280 --> 00:38:23.079 No, that's self help and that's illegal. Self help will 715 00:38:23.119 --> 00:38:25.559 always get a upper unit or landlord in trouble. 716 00:38:28.760 --> 00:38:32.440 Okay. So then once they go to the court and 717 00:38:32.480 --> 00:38:39.559 the court says, now you have an order to evict, right, well. 718 00:38:39.360 --> 00:38:41.280 You file a complaint for eviction. 719 00:38:41.639 --> 00:38:45.199 That takes about a month or so to run his course, 720 00:38:45.360 --> 00:38:47.559 and then it ends up with a judgment for possession, 721 00:38:48.320 --> 00:38:51.400 and then ten days after that judgment for possession issues, 722 00:38:51.480 --> 00:38:53.000 then you can go to the court clerk and get 723 00:38:53.039 --> 00:38:55.639 what's called a writ of restitution. That's the piece of 724 00:38:55.639 --> 00:38:57.840 paper you take to the sheriff's office, and then the 725 00:38:57.840 --> 00:39:03.920 sheriff's schedules the actual physical eviction that they conduct. Atlantic 726 00:39:04.039 --> 00:39:06.679 not a title to like do their own addiction, change 727 00:39:06.719 --> 00:39:08.159 the locks or give them the boot. 728 00:39:10.079 --> 00:39:12.159 No, No, I know you're you're a big you know, 729 00:39:12.199 --> 00:39:15.000 you're a big b advocate of course, doing things legally, 730 00:39:15.039 --> 00:39:17.880 and you advise people all the time, and self help 731 00:39:18.000 --> 00:39:19.599 is scorned upon by the courts. 732 00:39:19.679 --> 00:39:23.320 Right, I'm sure it happens all the time. Parents given 733 00:39:23.360 --> 00:39:25.079 the boot, you know, no legal process. 734 00:39:25.119 --> 00:39:28.159 But let me ask you something. Let me ask you something. 735 00:39:28.239 --> 00:39:30.199 If this dad just kicked him in the ass out 736 00:39:30.239 --> 00:39:35.719 the door and change the locks, what would happen? Actually, 737 00:39:35.760 --> 00:39:40.480 if this kid goes and complains, what would happen? I mean, 738 00:39:40.519 --> 00:39:42.559 I mean, wouldn't you have to file a court case 739 00:39:42.599 --> 00:39:45.199 against his dad or something? Or how would that work? 740 00:39:45.840 --> 00:39:49.280 File a court complaints or wrongful eviction and you might 741 00:39:49.320 --> 00:39:53.280 get some damages which might be in the equivalent to 742 00:39:53.400 --> 00:39:58.599 alternative housing costs. 743 00:39:58.880 --> 00:40:02.599 Okay, have you ever had weird evictions like this where 744 00:40:02.599 --> 00:40:04.079 you had to evict a child? 745 00:40:04.920 --> 00:40:05.119 Yes? 746 00:40:05.280 --> 00:40:06.400 Or you know, an offspring? 747 00:40:07.119 --> 00:40:07.320 Yes? 748 00:40:07.880 --> 00:40:08.199 Children? 749 00:40:08.239 --> 00:40:11.039 Sure, other Brad. 750 00:40:10.840 --> 00:40:13.679 We have another question that just came up. By the way, John, 751 00:40:13.719 --> 00:40:17.639 don't go away yet, Keith, you have a question. Go ahead, Keith. 752 00:40:18.679 --> 00:40:21.000 Hey, Tom, with the new law that says you have 753 00:40:21.079 --> 00:40:24.480 to you can only evict with cause, how can there's 754 00:40:24.760 --> 00:40:27.079 if they don't have a lease, where what's. 755 00:40:26.880 --> 00:40:28.119 The cause you can evict them on? 756 00:40:28.199 --> 00:40:29.360 It seems like this kid is. 757 00:40:29.360 --> 00:40:33.599 So Brad does just cause? That's a good question. Brad, 758 00:40:33.679 --> 00:40:38.079 does just cause excuse me apply to tendancy at will? 759 00:40:42.239 --> 00:40:42.480 Yes? 760 00:40:42.559 --> 00:40:42.960 It does. 761 00:40:43.039 --> 00:40:46.639 But but okay, the just cause gantute applies when a 762 00:40:46.719 --> 00:40:48.599 tenant has been there for a year. Then you then 763 00:40:48.639 --> 00:40:50.679 the landlord has to have a good reason, like they 764 00:40:50.679 --> 00:40:53.719 want to sell or move back in, in order to not 765 00:40:53.760 --> 00:40:55.840 renew them. Now I understood in this case that the 766 00:40:55.880 --> 00:40:57.360 parents live in the same house. 767 00:40:57.199 --> 00:41:02.840 Right, Yeah, okay, that a just cost doesn't go there. 768 00:41:03.320 --> 00:41:06.039 That is an exemption from the just cost statue. If 769 00:41:06.320 --> 00:41:08.840 if a single family home or a dupe duplex or 770 00:41:08.840 --> 00:41:12.360 a triplex and the landlord lives in the same property, 771 00:41:12.679 --> 00:41:14.159 then that just cost statue. 772 00:41:13.840 --> 00:41:14.360 Does not apply. 773 00:41:15.039 --> 00:41:16.559 But they don't have to give a ninety day notice. 774 00:41:16.599 --> 00:41:19.519 Then the normal three day notice on a notice determined 775 00:41:19.920 --> 00:41:22.440 tendency will apply. 776 00:41:23.519 --> 00:41:27.000 Okay. Now we have a question from the peanut gallery 777 00:41:27.000 --> 00:41:30.280 over here, Deputy Boat, go ahead, Brian. 778 00:41:30.320 --> 00:41:34.079 I'm a landlord and I was told just recently this 779 00:41:34.599 --> 00:41:39.079 UH notice to vacate has been escalated or updated from 780 00:41:39.119 --> 00:41:41.880 a three day to a ten day Can you use 781 00:41:41.880 --> 00:41:43.039 a three day notice? 782 00:41:44.920 --> 00:41:48.320 That that's something different. The ten day notice came about 783 00:41:48.440 --> 00:41:51.039 over five years ago, and that's for non payment of rent. 784 00:41:51.519 --> 00:41:53.119 When you give a notice that they have to pay 785 00:41:53.119 --> 00:41:55.039 rent or get out, that used to be called a 786 00:41:55.880 --> 00:42:00.519 notice of notice to comply. 787 00:42:01.159 --> 00:42:03.360 I forget the name, but anyway, it used to be a. 788 00:42:03.280 --> 00:42:04.920 Three day notice. 789 00:42:05.119 --> 00:42:07.360 It was a bumped up to atten day on. But 790 00:42:07.440 --> 00:42:12.599 that's different. Here you can tendant terminating at tendency and 791 00:42:12.639 --> 00:42:14.239 will has nothing to do with payment of rent. 792 00:42:14.480 --> 00:42:15.360 It's a separate deal. 793 00:42:15.800 --> 00:42:20.760 Okay, okay, in a three days valid yeah, three day on, 794 00:42:20.800 --> 00:42:24.719 that one's valid. Okay. So we have a comment from 795 00:42:24.800 --> 00:42:28.760 Vicky Brad. We really appreciate your time. Brad, O'brienolslaw dot 796 00:42:28.800 --> 00:42:31.960 Com seventy zero three seven zero seventy three eighty eight. Vicky, 797 00:42:32.239 --> 00:42:34.280 what is your comment or question? 798 00:42:36.639 --> 00:42:40.559 I have a nephew who's disabled. He was in a 799 00:42:40.599 --> 00:42:47.119 car accident. He has his so his address has always 800 00:42:47.159 --> 00:42:50.800 been at his parents' house. He didn't always live there, 801 00:42:50.920 --> 00:42:54.599 but that was always his address. So after he had 802 00:42:54.639 --> 00:43:01.199 this accident, he was hit by a car and he 803 00:43:01.280 --> 00:43:03.840 went back to his parents' house once he got out 804 00:43:03.840 --> 00:43:08.280 of the hospital. He had three operations when he was there. 805 00:43:08.079 --> 00:43:11.440 And he has the epilepsy, and his. 806 00:43:11.519 --> 00:43:14.960 Father will not let him stay at the house. And 807 00:43:15.039 --> 00:43:19.000 he is disabled. He's not supposed to work, he's not 808 00:43:19.079 --> 00:43:24.599 supposed to drive. He can't even take the bus because 809 00:43:25.400 --> 00:43:26.760 of his epilepsy. 810 00:43:27.480 --> 00:43:32.559 Does okay? Well, I want to ask a few questions, Vicky. Vicky. First, 811 00:43:32.639 --> 00:43:35.519 let's ask some questions. How old is the nephew. 812 00:43:37.280 --> 00:43:39.000 He is fifty years old. 813 00:43:40.880 --> 00:43:43.800 And was he living there before the accident? 814 00:43:46.920 --> 00:43:48.480 No, he had his own place. 815 00:43:50.199 --> 00:43:53.519 Then he gets into an accident, becomes disabled and needs 816 00:43:53.559 --> 00:43:56.880 to go somewhere, And you want to know does he 817 00:43:57.000 --> 00:44:00.840 have any legal standing to make his biology logical? Father 818 00:44:01.079 --> 00:44:03.000 and mother take him in. 819 00:44:04.960 --> 00:44:08.840 Right, It's just his father, his mother died two years ago. 820 00:44:09.199 --> 00:44:13.400 He's a PLI for Social Security. He's applied for Social 821 00:44:13.440 --> 00:44:17.159 Security three times and it's never come through so that 822 00:44:17.239 --> 00:44:20.039 he could buy his own place to live. And his 823 00:44:20.199 --> 00:44:24.320 father is very mean to him. Like last summer he 824 00:44:25.039 --> 00:44:27.079 let him stay there for him to do all the 825 00:44:27.199 --> 00:44:31.159 yard work, and then when winter came along, he wouldn't 826 00:44:31.239 --> 00:44:32.039 let him stay there. 827 00:44:32.079 --> 00:44:34.960 He literally spent the winter on the street. 828 00:44:35.440 --> 00:44:39.000 And he is disable, Okay, and I don't know how 829 00:44:39.000 --> 00:44:39.880 to about. 830 00:44:39.639 --> 00:44:42.960 Them, Brad O'Brien. Well, well, sure, and my gut feeling 831 00:44:43.000 --> 00:44:45.039 is he doesn't have a standing a leg to stand on, 832 00:44:45.360 --> 00:44:49.000 and that's no pun intended. But let's talk about this, 833 00:44:49.119 --> 00:44:54.920 Brad O'Brien. If an adult male child or offspring of 834 00:44:54.960 --> 00:44:59.559 another person wants to live with him because he's disabled, 835 00:44:59.559 --> 00:45:03.000 does he have any way of finagling himself into his 836 00:45:03.159 --> 00:45:03.840 parents' home. 837 00:45:04.880 --> 00:45:07.519 Well, people with disability, you certainly do have fair housing 838 00:45:07.599 --> 00:45:10.480 rights to not be discriminated against. So a landlord can't 839 00:45:10.599 --> 00:45:13.920 pick an aple body person as a tenant versus UH 840 00:45:14.760 --> 00:45:18.639 qualified disabled person. But this is uh, this is a 841 00:45:18.639 --> 00:45:23.400 little bit different. This is talking about UH eviction and 842 00:45:23.400 --> 00:45:26.199 there's really nothing in the eviction statutes that gives leniency. 843 00:45:26.239 --> 00:45:28.960 First, well, no, he wasn't even evicted. He never he 844 00:45:29.039 --> 00:45:32.199 never actually lived there. He was in an accident and 845 00:45:32.239 --> 00:45:35.559 now wants to live there. The dad says, no, Now 846 00:45:35.719 --> 00:45:37.800 is he there? Now? Did he let him in for 847 00:45:37.840 --> 00:45:40.159 even a few days, VICKI, Or did he refuse to 848 00:45:40.239 --> 00:45:41.159 let him come at all? 849 00:45:42.840 --> 00:45:46.360 Well, he left him come once in a while last summer. 850 00:45:46.400 --> 00:45:51.480 He lived there all summer and then he woke up 851 00:45:51.519 --> 00:45:56.039 in the morning and his father accused him of poisoning 852 00:45:56.159 --> 00:45:59.639 his coffee, and he had a gun atake, and so 853 00:46:00.119 --> 00:46:03.920 my nephew, Vicky. 854 00:46:04.400 --> 00:46:08.000 So that's when this nephew would have had his most rights, 855 00:46:08.280 --> 00:46:11.800 is when he was living there, and and then he 856 00:46:11.840 --> 00:46:14.679 could have demanded that he go through the eviction process. 857 00:46:14.719 --> 00:46:18.039 But but remember this, when we say people need to 858 00:46:18.079 --> 00:46:22.760 go through the eviction process, that doesn't mean they get 859 00:46:22.800 --> 00:46:25.760 to stay. It means that they are going to be 860 00:46:25.840 --> 00:46:30.880 evicted unless there is something that denies the event, you know, 861 00:46:30.960 --> 00:46:33.559 you know, so, so it would just prolong it a little. 862 00:46:33.960 --> 00:46:36.840 So may I ask something, VICKI, was your what was 863 00:46:36.880 --> 00:46:40.400 your sister married to this guy? Is that the sister 864 00:46:40.440 --> 00:46:41.920 in law or nephew thing? 865 00:46:43.440 --> 00:46:44.480 No, it's my brother. 866 00:46:46.239 --> 00:46:49.960 Oh oh, oh, okay, so you're talking about your own 867 00:46:50.000 --> 00:46:52.119 brother here. Have you been able to talk to your 868 00:46:52.119 --> 00:46:53.639 brother saying give the guy a break? 869 00:46:55.239 --> 00:46:55.880 Yeah, I do. 870 00:46:56.039 --> 00:46:58.199 And that's when he led him in last summer. He 871 00:46:58.280 --> 00:47:01.039 led him in last summer. And and he just he 872 00:47:01.800 --> 00:47:06.119 does drugs. And if they both do drugs together, they 873 00:47:06.159 --> 00:47:10.119 get wild and stupid and fight. And I can't get 874 00:47:10.159 --> 00:47:13.639 my grand nest to quit doing drugs. He thinks he 875 00:47:13.760 --> 00:47:16.800 needs it for pain, and maybe he does sleep. Been 876 00:47:16.840 --> 00:47:19.519 in the streets, you know, a freezing to death. 877 00:47:19.679 --> 00:47:22.239 Oh my god, but VICKI have you ever thought about 878 00:47:22.280 --> 00:47:23.800 opening your home to your nephew. 879 00:47:25.360 --> 00:47:27.000 I don't live in my own home. 880 00:47:27.079 --> 00:47:30.119 I live in my male friend's home. And he doesn't 881 00:47:30.119 --> 00:47:32.480 want his problem. 882 00:47:33.159 --> 00:47:35.239 I thought, what're right for it? 883 00:47:35.280 --> 00:47:40.239 Logan, Oh, this is terrible. Well, Brad O'Brien, though, really, 884 00:47:41.119 --> 00:47:43.239 he can't go back to last summer, saying you got 885 00:47:43.360 --> 00:47:44.639 rid of me the wrong. 886 00:47:44.440 --> 00:47:49.360 Way, right, no determinancy, That tendency is terminated, so he. 887 00:47:49.320 --> 00:47:54.039 Really has no right to go back in now. 888 00:47:53.880 --> 00:47:56.239 Okay, we got to take a break. I'm Tom Martine 889 00:47:56.280 --> 00:47:58.159 three or three seven one three talks seven one three 890 00:47:58.159 --> 00:48:00.639 eight two five five Denverregien dot com. You know Mark's 891 00:48:00.679 --> 00:48:03.039 losing weight on it. They also do stem cell therapy 892 00:48:03.079 --> 00:48:10.840 for pain and it really works Denver Regen dot com. 893 00:48:11.079 --> 00:48:14.360 Go with a sure thing Denver's best roofer Excel Roofing 894 00:48:14.440 --> 00:48:17.119 dot com. You don't pay a cent until you're content. 895 00:48:20.480 --> 00:48:23.679 Time for an insurance check up free, no obligation comparison 896 00:48:23.800 --> 00:48:27.360 call Compass Insurance paying too much your coverage at dozens 897 00:48:27.360 --> 00:48:30.079 of insurance companies find out now three oh three seven 898 00:48:30.199 --> 00:48:33.199 seven one help. You'll think you're his only customer when 899 00:48:33.239 --> 00:48:35.719 you choose Frank durand the real estate Man dot com 900 00:48:35.719 --> 00:48:38.880 to list your home with Remax Alliance three oh three 901 00:48:38.960 --> 00:48:43.960 nine two zero sixteen twenty two. Hi Tom Martino, your 902 00:48:44.159 --> 00:48:46.679 troubleshooter three O three seven one three talks seven one 903 00:48:46.679 --> 00:48:49.360 three eight two five to five. Quite some comments on 904 00:48:49.400 --> 00:48:53.760 this eviction thing and Vicky, Uh, let's see. Vicky was 905 00:48:53.840 --> 00:48:56.440 of course the one where her nephew's disabled. Wants to 906 00:48:56.440 --> 00:49:00.000 know there's any if there's any legal rights. So Vicky, 907 00:49:00.599 --> 00:49:04.599 just to finish this up. There's nothing you could do 908 00:49:04.639 --> 00:49:07.159 with your brother to make him take in his son. 909 00:49:07.480 --> 00:49:10.800 I mean, you know, the son's fifty years old. And 910 00:49:10.880 --> 00:49:14.320 they both do drugs. It sounds like the fruit didn't 911 00:49:14.360 --> 00:49:17.320 fall far from that tree and they're both just screwed up. 912 00:49:17.480 --> 00:49:20.039 I mean, I really feel bad for you that you 913 00:49:20.159 --> 00:49:22.400 have to observe this and it bothers you, but there's 914 00:49:22.440 --> 00:49:23.239 not much you can do. 915 00:49:25.320 --> 00:49:28.159 Okay, thank you, all right, thank. 916 00:49:28.039 --> 00:49:29.280 You, Vicky. What were you gonna say? 917 00:49:29.280 --> 00:49:29.440 Bo? 918 00:49:29.840 --> 00:49:32.400 He was going to suggest to Vicky, I feel for 919 00:49:32.599 --> 00:49:35.559 her problem with the nephew, and I was going to 920 00:49:35.599 --> 00:49:38.639 suggest that you contact Fort Logan Mental Health Center. 921 00:49:38.719 --> 00:49:40.840 Yeah, but what if they don't do interventions for God's 922 00:49:40.880 --> 00:49:41.800 says no. 923 00:49:41.840 --> 00:49:43.840 But you could sign him up, try to get him a. 924 00:49:43.840 --> 00:49:45.679 Bed there, but he may not want to go. 925 00:49:46.079 --> 00:49:47.800 Well, you're right, Tommy, he has to have me. 926 00:49:47.960 --> 00:49:48.159 Yeah. 927 00:49:48.159 --> 00:49:51.400 People want to need help. Excuse me. People want to 928 00:49:51.960 --> 00:49:55.320 must want the help. I should say, Hey, John, so 929 00:49:55.800 --> 00:49:59.280 on that original eviction question, you understand the problem now 930 00:49:59.360 --> 00:50:02.360 right that that your friend is going to have to 931 00:50:02.400 --> 00:50:04.480 go through the process. 932 00:50:04.880 --> 00:50:06.280 I understand, Thank you. 933 00:50:06.599 --> 00:50:10.320 I just wanted John, right, Yeah, I just want to 934 00:50:10.360 --> 00:50:10.880 make sure I got that. 935 00:50:10.960 --> 00:50:13.880 But remember this, Yeah, here's the process. I want to 936 00:50:13.920 --> 00:50:18.599 review that. He's got to get this three day notice, okay, 937 00:50:19.159 --> 00:50:23.440 and then it's either it's either vacate or comply, and 938 00:50:23.599 --> 00:50:25.760 he doesn't want to comply. He just wants in the vacate. 939 00:50:26.280 --> 00:50:32.000 And then if he doesn't leave that that notice goes. 940 00:50:32.239 --> 00:50:34.840 I would I would hand it to him, or I'd 941 00:50:34.920 --> 00:50:38.199 put it on his bedroom door and take a picture 942 00:50:38.239 --> 00:50:41.280 of it. Okay, that's what I would do. I'm not 943 00:50:41.320 --> 00:50:44.639 giving you legal advice here. The other thing is after that, 944 00:50:45.079 --> 00:50:48.559 if he doesn't leave in that three days and and 945 00:50:48.559 --> 00:50:50.480 and the reason could be I want my house back, 946 00:50:50.519 --> 00:50:52.559 you know, I just I want to live alone. He 947 00:50:52.559 --> 00:50:54.039 doesn't have to give a lot, he doesn't have to 948 00:50:54.039 --> 00:50:57.679 give a real just cause reason because they're exempt from it. 949 00:50:58.159 --> 00:51:01.079 So so what he says is because he is a 950 00:51:01.119 --> 00:51:05.079 tendency at will in his own residence, he's not required 951 00:51:05.119 --> 00:51:07.039 to give a just cause. He can just say I 952 00:51:07.079 --> 00:51:09.880 want to be alone and put it on there. And 953 00:51:09.920 --> 00:51:12.400 if he doesn't leave, if he doesn't leave in that 954 00:51:12.480 --> 00:51:15.280 three days, then he must go back to court to 955 00:51:15.320 --> 00:51:16.360 get that writ of. 956 00:51:18.199 --> 00:51:19.920 Eviction. 957 00:51:20.400 --> 00:51:23.719 Yeah but okay, and restitution means taking your property back, 958 00:51:23.760 --> 00:51:26.519 getting him at the hell out of there, So you 959 00:51:26.599 --> 00:51:29.119 may want to consult an attorney about it. I mean, 960 00:51:29.159 --> 00:51:30.960 if this kid's going to give his dad trouble. 961 00:51:31.639 --> 00:51:33.159 Yeah, I think we can handle it. But is that 962 00:51:33.159 --> 00:51:34.719 three you know something we can write on a piece 963 00:51:34.719 --> 00:51:36.480 of paper or is that a form I need to download? 964 00:51:37.360 --> 00:51:39.840 I that's the part I don't know. I believe I 965 00:51:39.880 --> 00:51:45.039 would use a form. You use a form? Okay, all right, 966 00:51:45.159 --> 00:51:47.480 thank you, John. I hope that helped you. And that 967 00:51:47.679 --> 00:51:51.639 was okay, And Kenny has a question now on insurance. 968 00:51:51.679 --> 00:51:53.440 Go ahead, Kenny, what's going on with you? 969 00:51:55.239 --> 00:52:00.960 Hey? Tom? This is for Southern California Pipe Traders Associate Association, 970 00:52:01.599 --> 00:52:05.679 the admin side, the administrator's side. I was contacted back 971 00:52:05.719 --> 00:52:08.400 in January that my brother was an employee of there 972 00:52:08.519 --> 00:52:11.559 is and he passed away in Las Vegas, Nevada at 973 00:52:11.639 --> 00:52:15.320 sixty seven. I get the phone call, I get the letters, 974 00:52:15.920 --> 00:52:18.320 and I had it proved next to kinship to prove 975 00:52:18.400 --> 00:52:24.280 that I was young. Yeah, and to get the beneficiary payout. 976 00:52:26.239 --> 00:52:31.159 Okay, are you named as a Wait? Wait, Kenny, Kenny, Kenny, 977 00:52:31.239 --> 00:52:33.360 are you named as the beneficiary? 978 00:52:34.960 --> 00:52:37.039 Guess? Me and my younger brother, Dollard, we were both 979 00:52:37.079 --> 00:52:39.239 on the form. 980 00:52:38.920 --> 00:52:40.880 And you both have to do the same thing for 981 00:52:40.920 --> 00:52:42.199 this California company. 982 00:52:44.480 --> 00:52:48.039 Correct. I fulfilled my party obligation, my younger brother. They 983 00:52:48.079 --> 00:52:50.320 got a hold of him and he told him I 984 00:52:50.320 --> 00:52:54.480 don't want nothing to do with it, basically f off right, 985 00:52:55.000 --> 00:52:56.719 So that's wait. 986 00:52:56.199 --> 00:52:58.559 Wait a minute, So does that mean what he should 987 00:52:58.559 --> 00:53:03.280 do with Kenny? What he should do is assign his 988 00:53:04.199 --> 00:53:08.000 band you, so they will give it all to you, 989 00:53:08.079 --> 00:53:12.000 because if he doesn't, I fear they're going to withhold 990 00:53:12.039 --> 00:53:12.519 half of it. 991 00:53:14.639 --> 00:53:16.320 Correct, they're going to withhold all of it? 992 00:53:17.880 --> 00:53:23.039 Well wait, wait, wait, why would they withhold? But why 993 00:53:23.079 --> 00:53:26.639 would they withhold all of it if you're willing? 994 00:53:26.760 --> 00:53:32.400 Because I to comply, yes, and I proved my kingship, 995 00:53:32.480 --> 00:53:35.199 but went out to the next department. And now they 996 00:53:35.199 --> 00:53:38.920 sit there and say they I gotta get his birth certificate, 997 00:53:38.920 --> 00:53:40.639 which I can get that on a Los Angeles on 998 00:53:40.719 --> 00:53:44.679 the vital records. I understand that. But because he's living, 999 00:53:45.679 --> 00:53:47.800 he has to shine off, saying he just wants to 1000 00:53:47.840 --> 00:53:48.239 wave down. 1001 00:53:48.320 --> 00:53:53.039 Oh okay, Kenny. I have a very simple question, very 1002 00:53:53.039 --> 00:53:55.320 simple question. You and your brother do you get along? 1003 00:53:55.360 --> 00:53:57.159 Will he sign over his rights to you? 1004 00:53:58.880 --> 00:54:08.400 I'm spoken German forty years why we disintegrated typical American family? 1005 00:54:09.840 --> 00:54:13.199 How much money are we talking about in this account? 1006 00:54:15.000 --> 00:54:18.360 They will not disclose anything to me. First it with 1007 00:54:18.480 --> 00:54:21.960 a life insurance policy. Now it's what was he has 1008 00:54:22.039 --> 00:54:24.559 drawing retirement and I had a highlighted in yellow on 1009 00:54:24.639 --> 00:54:28.800 the forums retirement. So at one department I submitted all 1010 00:54:28.880 --> 00:54:32.880 the correct information. He said, I'll the benefits, the payout. 1011 00:54:32.960 --> 00:54:35.760 People will get in touch with you. The next following 1012 00:54:35.840 --> 00:54:39.440 day I receive a letter thing afid David no rise. 1013 00:54:39.880 --> 00:54:42.480 I got to have his birth certificate. He's got to 1014 00:54:42.599 --> 00:54:44.400 sign this statement. You don't want nothing to do with it. 1015 00:54:44.639 --> 00:54:47.639 And I can't do any part about that. And they 1016 00:54:47.679 --> 00:54:52.280 sit there and say without him waiving it, they will 1017 00:54:52.320 --> 00:54:54.239 go anywhere. Sit in the back room in the file. 1018 00:54:54.320 --> 00:54:56.719 All right, I'll tell you what we're going to do. 1019 00:54:56.760 --> 00:55:00.440 You hang on. We're going to get Brad O'Brien on. No, 1020 00:55:00.440 --> 00:55:04.239 not not Brad, sorry, Brad's real estate. We're gonna get 1021 00:55:04.880 --> 00:55:06.880 let's see who do I want on? I want our 1022 00:55:07.079 --> 00:55:11.280 state planning attorney on. So we'll get Dan McKenzie on. Okay, 1023 00:55:11.480 --> 00:55:14.280 So hang on and we'll do that. Three oh three 1024 00:55:14.719 --> 00:55:17.320 seven to one three talk. We have a question on 1025 00:55:17.599 --> 00:55:22.000 being a beneficiary and what if the other beneficiary says 1026 00:55:22.039 --> 00:55:24.880 I don't want it? Why can't you get yours. We'll 1027 00:55:24.880 --> 00:55:27.840 talk about that and more coming up on the Troubleshooter Show. 1028 00:55:28.360 --> 00:55:32.079 One Clear Choice Garage Doors for all of your garage 1029 00:55:32.119 --> 00:55:36.440 door needs. Emergencies are regular checkups or tune ups or 1030 00:55:36.920 --> 00:55:40.000 installing new openers or whatever. They have it all and 1031 00:55:40.079 --> 00:55:42.920 the prices are on their website. I love these people. 1032 00:55:43.000 --> 00:55:47.079 Twenty four seventh service for emergencies and here's where it 1033 00:55:47.159 --> 00:55:50.360 is their website with all of the prices and everything 1034 00:55:50.400 --> 00:55:56.280 they do, doors, openers and everything. One Clear Choice Doors 1035 00:55:56.400 --> 00:56:03.239 dot Com. One Clear Choice Doors dot Com. Go with 1036 00:56:03.280 --> 00:56:06.880 a sure thing Denver's best roofer Excel Roofing dot Com. 1037 00:56:06.920 --> 00:56:12.639 You don't pay a cent until you're contenth time for 1038 00:56:12.679 --> 00:56:16.440 an insurance check up free no obligation comparison call Compass 1039 00:56:16.480 --> 00:56:19.760 Insurance paying too much your coverage at dozens of insurance 1040 00:56:19.760 --> 00:56:22.280 companies find out now three all three seven to seven 1041 00:56:22.280 --> 00:56:25.039 to one help. You'll think you're his only customer when 1042 00:56:25.079 --> 00:56:27.559 you choose Frank durand the Real estate Man dot com 1043 00:56:27.559 --> 00:56:30.679 to list your home with Remax Alliance three oh three 1044 00:56:30.760 --> 00:56:40.639 nine two zero sixteen twenty two. Hi Tom Martino here 1045 00:56:40.639 --> 00:56:43.239 three O three seven one three talks seven one three 1046 00:56:43.760 --> 00:56:47.960 eight two five five all right, Kenny's got a question 1047 00:56:49.159 --> 00:56:52.599 on insurance life insurance. I believe he said he was 1048 00:56:52.599 --> 00:56:57.559 contacted by his UH by a company who said his brother, 1049 00:56:57.719 --> 00:57:00.000 you know, is deceased, work there and he's a benefit. 1050 00:57:00.800 --> 00:57:04.039 The company said he and another brother are beneficiaries, but 1051 00:57:04.119 --> 00:57:08.599 unless they both agree, they won't disperse the funds. I 1052 00:57:08.719 --> 00:57:12.159 don't understand that at all. Now, do we have Brad? 1053 00:57:11.760 --> 00:57:15.880 Did you get Dan McKenzie Kachina? It's probably going to 1054 00:57:15.920 --> 00:57:20.000 be after the top of the hour, okay, So what 1055 00:57:20.079 --> 00:57:22.760 we may do then, Kenny, I'm going to get you 1056 00:57:22.840 --> 00:57:26.480 an attorney. Okay. So what we'll probably do right now 1057 00:57:27.079 --> 00:57:32.159 is put this on hold and call you right back. Okay. 1058 00:57:32.440 --> 00:57:36.079 But I want to ask a couple of questions, Kenny. 1059 00:57:36.119 --> 00:57:43.119 Did you even bother to ask that brother about signing 1060 00:57:43.159 --> 00:57:44.280 over his interests? 1061 00:57:46.199 --> 00:57:48.119 No, I did not, because this just came to my 1062 00:57:48.199 --> 00:57:52.039 attention yesterday. At first it was they sent him a 1063 00:57:52.079 --> 00:57:54.320 couple of letters and he fled out, told him I 1064 00:57:54.320 --> 00:57:56.360 will have nothing to do with it. So they set 1065 00:57:56.360 --> 00:57:58.360 out to so many attempts, will just write it off. 1066 00:57:58.719 --> 00:58:02.159 That was the main claim to exam Romeo or Rashiano. 1067 00:58:02.239 --> 00:58:04.920 Now, but do you have any idea. Do you have 1068 00:58:04.960 --> 00:58:09.280 any idea? Why do you have any idea? Why he 1069 00:58:09.360 --> 00:58:13.239 doesn't want his share of the retirement account? I mean, 1070 00:58:13.400 --> 00:58:17.440 my goodness, I mean why is he independently wealthy? Do 1071 00:58:17.480 --> 00:58:18.920 you know anything about him? 1072 00:58:20.400 --> 00:58:27.599 No? I do not, but I just know that's his personality. 1073 00:58:26.039 --> 00:58:30.159 And so where is he in birth order? According along 1074 00:58:30.199 --> 00:58:33.800 with you. I'm just curious about the dynamics here. We 1075 00:58:33.840 --> 00:58:36.239 may try to reach out to him for you and 1076 00:58:36.360 --> 00:58:38.880 just say, look, there's no reason to leave money on 1077 00:58:38.960 --> 00:58:41.920 the table. You can have your half, or you can 1078 00:58:42.000 --> 00:58:44.199 just sign it over to Kenny. What do you think 1079 00:58:44.239 --> 00:58:45.360 he tell us to go to hell? 1080 00:58:47.440 --> 00:58:51.239 You're more than welcome to tribe. Very likely. Yes, So 1081 00:58:51.760 --> 00:58:52.480 in order to. 1082 00:58:52.480 --> 00:58:57.639 Be how how old is this? How old is this 1083 00:58:57.719 --> 00:58:59.719 other brother? You're the one who's being. 1084 00:58:59.559 --> 00:59:04.599 A sixty four, I'm sixty five, the one passed away 1085 00:59:04.639 --> 00:59:06.480 with sixty seven. I'm the middle child. 1086 00:59:07.880 --> 00:59:12.039 Okay, so your brother, you wouldn't mind us taking a 1087 00:59:12.039 --> 00:59:14.559 stab at calling your brother saying look, you know we're 1088 00:59:14.559 --> 00:59:16.280 not trying to force you to take the money, but 1089 00:59:16.320 --> 00:59:19.119 why wouldn't you Is it possible that there could be 1090 00:59:19.159 --> 00:59:21.800 a couple hundred grand in that retirement account? 1091 00:59:23.239 --> 00:59:25.960 You know, I had no idea they would not disclose 1092 00:59:26.159 --> 00:59:28.880 any information to me at all, even though I fulfill 1093 00:59:29.079 --> 00:59:31.079 my part obligation proving that. 1094 00:59:31.239 --> 00:59:33.320 But what I don't understand, and this is what we're 1095 00:59:33.320 --> 00:59:36.559 going to ask Dad Mackenzie, I don't understand why they 1096 00:59:36.599 --> 00:59:40.039 withhold the whole thing. Did they give you an explanation 1097 00:59:40.119 --> 00:59:43.840 for that? Why would they withhold the entire account if 1098 00:59:44.079 --> 00:59:47.119 just one brother is refusing, if there's two people on 1099 00:59:47.159 --> 00:59:50.360 the account, why don't they dole it out half to 1100 00:59:50.440 --> 00:59:53.480 you and if anything, keep the other half. Why wouldn't 1101 00:59:53.480 --> 00:59:55.880 they do that? 1102 00:59:55.880 --> 00:59:58.000 That's a very good question, Tom. 1103 00:59:59.079 --> 01:00:01.880 Did you ask them? 1104 01:00:02.199 --> 01:00:06.719 Yes? I did, and they said, unless we get disclosure, 1105 01:00:06.800 --> 01:00:10.239 this this birth certificate, which I can get from Bottle Records, 1106 01:00:10.519 --> 01:00:13.079 but unless we get him to sign it off, it 1107 01:00:13.199 --> 01:00:16.960 goes in the back room and it sits there. These people. 1108 01:00:17.000 --> 01:00:20.760 I've never seen such vague information. When somebody passes away. 1109 01:00:21.400 --> 01:00:23.360 It's like a rabbit hole you go down, you know, 1110 01:00:24.639 --> 01:00:25.159 to prove. 1111 01:00:26.679 --> 01:00:29.760 That's because you guys, Well, that's because you guys didn't 1112 01:00:29.760 --> 01:00:35.320 communicate you like normal families would have more communication amongst themselves, 1113 01:00:35.320 --> 01:00:39.440 And I think you guys never talked to any like 1114 01:00:39.480 --> 01:00:41.880 the three of you were totally separated or did you 1115 01:00:41.920 --> 01:00:43.039 talk to your older brother? 1116 01:00:45.239 --> 01:00:47.920 No? No, this the last last time I saw them 1117 01:00:47.960 --> 01:00:59.559 communicated was nineteen eighty and show and hope put some 1118 01:00:59.639 --> 01:01:00.480 hope help. 1119 01:01:01.400 --> 01:01:03.880 Okay, I'll tell you what we're gonna do. This is 1120 01:01:03.920 --> 01:01:09.199 our plan. We're going to first get our attorney on 1121 01:01:10.400 --> 01:01:15.119 Dan Mackenzie. Then we're going to reach out to your brother. 1122 01:01:15.280 --> 01:01:20.239 What the hell, I'll bet you, I'll bet you among 1123 01:01:20.320 --> 01:01:22.480 us there's one who can get through to your brother, 1124 01:01:22.920 --> 01:01:26.519 you know, and just you know, just like saying, look, man, 1125 01:01:26.800 --> 01:01:29.760 we understand you know, family dynamics and all that. All 1126 01:01:29.760 --> 01:01:32.639 we're trying to do is not let this money go 1127 01:01:32.679 --> 01:01:35.840 to the state. So either take your half or sign 1128 01:01:35.920 --> 01:01:39.480 it over to your other brother. Would you would feel 1129 01:01:39.480 --> 01:01:42.440 comfortable doing that? Bow Bo? Have you ever talked to 1130 01:01:42.480 --> 01:01:44.039 people on touchy situations? 1131 01:01:44.159 --> 01:01:44.400 Yes? 1132 01:01:44.599 --> 01:01:48.960 I got family. My family's good. But I've done similar situations. 1133 01:01:49.000 --> 01:01:49.880 I'd be happy to call. 1134 01:01:50.079 --> 01:01:50.280 Yeah. 1135 01:01:50.320 --> 01:01:52.719 First we're going to talk to the attorney and then 1136 01:01:52.719 --> 01:01:55.679 we'll reach out to your brother. You have his contact information, 1137 01:01:55.760 --> 01:01:56.519 I assume, right. 1138 01:01:56.480 --> 01:01:59.119 Kenny, No, I don't. 1139 01:01:59.199 --> 01:02:01.880 But Rome or Final does for the pipefitters. 1140 01:02:04.920 --> 01:02:08.159 The pipe Oh oh, can you get it? Do you think, 1141 01:02:08.920 --> 01:02:10.800 can you get your brother's contact. 1142 01:02:10.480 --> 01:02:14.400 He has it, Yes, he has it on his I know. 1143 01:02:14.440 --> 01:02:16.760 But I need you to get it because we don't 1144 01:02:16.760 --> 01:02:20.519 have standing to ask some pipefitters Union to give us 1145 01:02:20.559 --> 01:02:24.639 your brother's contact information. You do have standing, you're a brother. 1146 01:02:24.960 --> 01:02:27.559 You can call and say, may I have information to 1147 01:02:27.559 --> 01:02:29.360 get a hold of my brother so I can straighten 1148 01:02:29.400 --> 01:02:31.960 this out? So why don't you do that for us 1149 01:02:31.960 --> 01:02:35.519 because we're going to need it. Thank you very much 1150 01:02:35.519 --> 01:02:39.400 three zero three seven one three talk seven one three 1151 01:02:39.519 --> 01:02:41.639 eight two five five. We have more coming up on 1152 01:02:41.679 --> 01:02:49.199 the Troubleshooter Show, So stick around. Go with a sure 1153 01:02:49.320 --> 01:02:52.760 thing Denver's Best roofer Excel Roofing dot com. You don't 1154 01:02:52.760 --> 01:02:58.800 pay a cent until you're content. Time for an insurance 1155 01:02:58.880 --> 01:03:03.400 check up, freegation comparison call Compass Insurance paying too much 1156 01:03:03.519 --> 01:03:06.480 your coverage at dozens of insurance companies find out now 1157 01:03:06.559 --> 01:03:08.840 three all three seven to seven to one help. You'll 1158 01:03:08.840 --> 01:03:11.599 think you're his only customer when you choose Frank durand 1159 01:03:11.599 --> 01:03:14.039 the real estate Man dot com to list your home 1160 01:03:14.280 --> 01:03:17.440 with Remax Alliance three all three nine two zero sixteen 1161 01:03:17.480 --> 01:03:25.519 twenty two. Hello Tom Martino here at three O three 1162 01:03:25.559 --> 01:03:28.360 seven one three talks seven one three, eight two five five? 1163 01:03:29.199 --> 01:03:31.639 What's going on in your life? What can we do 1164 01:03:31.719 --> 01:03:34.320 to help you? All you have to do is call. 1165 01:03:34.400 --> 01:03:41.400 Now we're awaiting our our expert on wills and probate 1166 01:03:41.480 --> 01:03:43.199 and all of that to find out what do you 1167 01:03:43.280 --> 01:03:47.599 do when you're a beneficiary and uh, the other beneficiary 1168 01:03:47.679 --> 01:03:51.199 doesn't want to comply, So the place says we're keeping 1169 01:03:51.199 --> 01:03:54.599 the whole retirement account. So eventually I think he goes 1170 01:03:54.639 --> 01:03:57.719 to a sheet funds. I'm not really sure, but that's 1171 01:03:57.760 --> 01:04:01.159 what we're going to ask our expert. All right, did 1172 01:04:01.199 --> 01:04:03.320 you see asking people? What they did? 1173 01:04:03.360 --> 01:04:03.880 You see? 1174 01:04:03.880 --> 01:04:03.960 What? 1175 01:04:04.159 --> 01:04:04.320 Oh? 1176 01:04:04.400 --> 01:04:04.800 Go ahead? 1177 01:04:05.400 --> 01:04:09.519 What the insurance company sent over to that guy we 1178 01:04:09.679 --> 01:04:12.119 had on first Hour. I talked to him a couple 1179 01:04:12.079 --> 01:04:15.159 of weeks ago, and it was basically verbatim. You and 1180 01:04:15.199 --> 01:04:17.960 I had the same conversation with him. He only had 1181 01:04:17.960 --> 01:04:21.639 twenty five thousand dollars in insurance, he caused an accident. 1182 01:04:21.719 --> 01:04:24.760 He's got over a million dollars in assets. If you 1183 01:04:24.880 --> 01:04:29.920 look at the questions this insurance company is asking him 1184 01:04:30.400 --> 01:04:33.760 to answer, it is absolutely insane. 1185 01:04:33.880 --> 01:04:35.280 Anybody in their right mind. 1186 01:04:35.519 --> 01:04:40.159 He basically agrees to one hundred percent at fault and 1187 01:04:40.239 --> 01:04:44.559 he knows he caused serious damages to her. 1188 01:04:44.800 --> 01:04:48.400 It's crazy, all right, here's the affidavit. Here's the affidavit, 1189 01:04:49.199 --> 01:04:53.199 affidavit of Danny So and So liability insurance coverage. This 1190 01:04:53.239 --> 01:04:56.800 affidavit is provided under oath and penalty of purchaser perjury. 1191 01:04:57.239 --> 01:05:00.559 So they're asking him to sign one or all of them. Mark, 1192 01:05:00.599 --> 01:05:01.079 do you know. 1193 01:05:02.480 --> 01:05:05.280 Well it looks like you actually put you put a 1194 01:05:05.360 --> 01:05:06.519 checkbox next to him. 1195 01:05:06.559 --> 01:05:09.239 But listen to this. I am aware that as a 1196 01:05:09.320 --> 01:05:09.920 result of. 1197 01:05:09.880 --> 01:05:14.960 This accident, blah blah alleges she suffered serious. 1198 01:05:14.440 --> 01:05:22.199 Injuries and has made claims against me. Okay. Now here's 1199 01:05:22.239 --> 01:05:25.079 the deal at the and it also says at the time, 1200 01:05:25.360 --> 01:05:27.920 these are things they want him to agree to. First, 1201 01:05:28.079 --> 01:05:30.280 who he is and where he lives, and that he 1202 01:05:30.400 --> 01:05:33.320 was involved in an accident on this date. Okay, Then 1203 01:05:33.360 --> 01:05:35.920 they want him to agree to at the time of 1204 01:05:35.960 --> 01:05:38.719 the accident, I was driving this car, you know they 1205 01:05:38.800 --> 01:05:41.239 name it, and I was the owner of Okay, So 1206 01:05:41.400 --> 01:05:43.480 two of those they're not bad. They can prove those. 1207 01:05:43.559 --> 01:05:45.920 The third one, I'm aware as a result of the 1208 01:05:45.960 --> 01:05:50.039 accident that this woman had all of these major injuries, 1209 01:05:50.079 --> 01:05:53.239 and I understand my signature on this document does not 1210 01:05:53.400 --> 01:05:58.000 constitute an admission nor agreement that I was at fault. Okay, 1211 01:05:58.159 --> 01:06:01.280 it's just asking you to acknowledge she had serious injury. 1212 01:06:01.320 --> 01:06:04.159 I wouldn't do that. Then they're saying, at the time 1213 01:06:04.280 --> 01:06:08.159 of the accident, there was an automobile insurance policy from 1214 01:06:08.239 --> 01:06:13.320 State farm for and it said was twenty five thousand 1215 01:06:13.320 --> 01:06:16.320 per person, fifty thousand per accident. I understand that this 1216 01:06:16.440 --> 01:06:19.840 means that the most can be paid to one person 1217 01:06:20.000 --> 01:06:24.519 is twenty five thousand. Well, actually, Mark, it isn't as terrible, 1218 01:06:24.840 --> 01:06:26.840 you know, some of it is, it says, and then 1219 01:06:26.679 --> 01:06:31.400 they get I never sign this. I'm not telling him 1220 01:06:31.400 --> 01:06:34.719 to sign it, but I'm telling you these all of 1221 01:06:34.760 --> 01:06:36.920 these statements, every one of them is going to be 1222 01:06:36.960 --> 01:06:39.760 able to be easily stated and proved in the courts. 1223 01:06:40.079 --> 01:06:41.920 They're just asking him to do it so they don't 1224 01:06:41.920 --> 01:06:43.519 have to go through it. But you're right, I wouldn't 1225 01:06:43.519 --> 01:06:46.639 sign it either. You never do anything voluntarily. Then it 1226 01:06:46.719 --> 01:06:50.199 says I Danny had no other automobile or liability insurance 1227 01:06:50.280 --> 01:06:52.800 umbrella or whatever. And then it says there are no 1228 01:06:52.880 --> 01:06:56.559 relatives in my household who has any liability insurance coverage 1229 01:06:56.599 --> 01:06:58.280 is blah blah blah, because what they're trying to do 1230 01:06:58.400 --> 01:07:01.360 is find where they can get more money. And then 1231 01:07:01.400 --> 01:07:04.280 it says there are no other liability insurance policies blah 1232 01:07:04.320 --> 01:07:07.559 blah blah. My driving at the time was not was 1233 01:07:07.599 --> 01:07:10.199 not undertaken for the benefit of any person, because they 1234 01:07:10.199 --> 01:07:12.679 want to know was he working for anyone. Then it says, 1235 01:07:12.719 --> 01:07:18.519 I understand that this information being supplied can be relied 1236 01:07:18.559 --> 01:07:23.480 on by so and so and her attorney. So basically 1237 01:07:23.599 --> 01:07:27.639 it says and that her injuries, you know, I understand 1238 01:07:27.679 --> 01:07:30.440 they were serious injuries. Blah blah blah what they're asking 1239 01:07:30.519 --> 01:07:33.679 this guy. And then it says and that it says, 1240 01:07:33.840 --> 01:07:38.039 I understand this decision will be in part based on 1241 01:07:38.159 --> 01:07:42.199 my representation that this is the only insurance available. They 1242 01:07:42.239 --> 01:07:46.760 want to make sure there's nothing else to get insurance wise, Well, 1243 01:07:46.920 --> 01:07:48.880 they knew him personally, but. 1244 01:07:48.920 --> 01:07:53.039 Then they go into personal property, real estate, automobiles, cash in. 1245 01:07:53.119 --> 01:07:58.639 The bags, right, They're gonna come after They're going to 1246 01:07:58.679 --> 01:07:59.679 come after him, no doubt. 1247 01:08:00.039 --> 01:08:02.199 Why would you, I guess all I'm saying is, why 1248 01:08:02.239 --> 01:08:06.119 would anybody in their right mind lunteer this information? 1249 01:08:06.800 --> 01:08:10.079 Go with a sure thing? Denver's best roofer Excel roofing 1250 01:08:10.199 --> 01:08:12.840 dot com. You don't pay a cent until you're content, 1251 01:08:14.400 --> 01:08:18.680 wait time for an insurance check up free, no obligation. 1252 01:08:18.680 --> 01:08:22.520 In comparison, call Compass Insurance paying too much your coverage 1253 01:08:22.560 --> 01:08:25.199 at dozens of insurance companies find out now three all 1254 01:08:25.279 --> 01:08:28.199 three seven seven one help. You'll think you're his only 1255 01:08:28.279 --> 01:08:30.760 customer when you choose Frank durand the real estate Man 1256 01:08:30.800 --> 01:08:34.239 dot com to list your home with Remax Alliance three 1257 01:08:34.239 --> 01:08:38.000 oh three nine two zero sixteen twenty two. 1258 01:08:41.960 --> 01:08:42.520 Rip of. 1259 01:08:44.239 --> 01:08:51.960 News who you don't have, run as fast as you can. 1260 01:08:53.199 --> 01:08:54.520 Shooter's gonna help. 1261 01:08:54.800 --> 01:08:55.840 Come man. 1262 01:08:56.720 --> 01:08:58.840 This is the Troubleshooter Show. 1263 01:08:59.479 --> 01:09:03.960 No Tom Martino, Hey Tom Martina. 1264 01:09:04.039 --> 01:09:04.239 Here. 1265 01:09:04.279 --> 01:09:07.479 This is the Troubleshooter Show where we're solving problems, answering questions, 1266 01:09:07.520 --> 01:09:11.199 taking complaints and making your life just a little easier. 1267 01:09:11.520 --> 01:09:13.479 And on the table today we have a number of 1268 01:09:13.479 --> 01:09:16.760 different topics that are very interesting. First, we're asking people 1269 01:09:17.039 --> 01:09:20.720 for their passion, their pastime. What do they do, what 1270 01:09:20.760 --> 01:09:23.880 do they love doing, and how does it how is 1271 01:09:23.920 --> 01:09:28.479 it as a value to them? And we had one 1272 01:09:28.760 --> 01:09:33.600 We started off with rocket launching. The setup is about 1273 01:09:33.640 --> 01:09:37.000 two hundred bucks and then about forty dollars per rocket 1274 01:09:37.039 --> 01:09:39.960 for the two foot rocket, and then Deputy dogs that 1275 01:09:40.079 --> 01:09:43.159 he likes playing poker. Now, I've had a lot of 1276 01:09:43.279 --> 01:09:48.159 other people talking about their passion by text, and I'm 1277 01:09:48.159 --> 01:09:52.119 going to it right now. One said that they love 1278 01:09:52.680 --> 01:09:56.399 traveling in their camper van, biking and hiking. Some people 1279 01:09:56.439 --> 01:09:58.960 say they love mountain biking now that there are e bikes, 1280 01:09:58.960 --> 01:10:01.680 so they get the assistan since they need. Then someone 1281 01:10:01.680 --> 01:10:04.640 said they enjoy picking up trash, and that brought up 1282 01:10:04.680 --> 01:10:09.239 a topic. So I don't want to get too specific 1283 01:10:09.319 --> 01:10:13.680 because he probably listens to my show, but I'm just 1284 01:10:13.720 --> 01:10:16.760 gonna say it. There's a very wonderful man in our 1285 01:10:16.760 --> 01:10:23.760 neighborhood who is literally out in the alley, the trash alley, 1286 01:10:24.279 --> 01:10:26.199 you know, in the garage alley these a lot of 1287 01:10:26.239 --> 01:10:29.800 these Denver homes have alleys behind him. And where we are, 1288 01:10:29.880 --> 01:10:31.880 we have this setup where in the back of the 1289 01:10:31.880 --> 01:10:35.800 trash cans in the alley along with your garage entrances, 1290 01:10:36.399 --> 01:10:41.199 and the front faces the street. And I swear to God, 1291 01:10:41.560 --> 01:10:44.920 he is out there eighty percent of the time that 1292 01:10:44.960 --> 01:10:48.560 we look. And what he's doing is he's walking up 1293 01:10:48.640 --> 01:10:52.479 and down, straightening out the trash cans, closing the lids, 1294 01:10:52.920 --> 01:10:56.520 taking recyclables out of one, putting it in the recyclables, 1295 01:10:56.800 --> 01:11:01.039 and then taking the compos out. And he's sorting the trash. Now, 1296 01:11:01.079 --> 01:11:04.199 I thought, well, he's sorting the trash, you know, a 1297 01:11:04.239 --> 01:11:06.880 one time thing. Then I see it again and again, 1298 01:11:06.960 --> 01:11:08.520 and I go out there at nine o'clock in the 1299 01:11:08.560 --> 01:11:12.600 evening to empty a trash thing and I see him 1300 01:11:12.600 --> 01:11:17.359 out there with a flashlight doing the same thing. It 1301 01:11:17.520 --> 01:11:21.720 got to be almost a joke with my wife and I. 1302 01:11:21.760 --> 01:11:24.840 He's out there doing the trash again, and I started 1303 01:11:24.840 --> 01:11:31.560 looking it up. There is actually a condition, and I 1304 01:11:31.560 --> 01:11:37.239 think it comes from the Spanish word basophobia and Basso's 1305 01:11:37.319 --> 01:11:41.319 trash right in. I think it is. It's trash anyway, 1306 01:11:42.039 --> 01:11:47.800 it's fear of I don't know. It's an impulsive condition 1307 01:11:48.840 --> 01:11:54.520 about trash, sorting trash. It's part of an OCD condition, 1308 01:11:55.439 --> 01:12:01.680 and it gives people the need to sort and make 1309 01:12:01.760 --> 01:12:09.640 their trash acceptable because they fear disorganization of trash. It 1310 01:12:10.640 --> 01:12:11.760 kind of freaks them out. 1311 01:12:12.520 --> 01:12:14.720 Hey, I can get them a job at a recycling company. 1312 01:12:14.960 --> 01:12:18.560 Oh, you're in the recycling business now. Any of people 1313 01:12:18.560 --> 01:12:20.800 whose job it is I've often wondered when it comes 1314 01:12:20.800 --> 01:12:23.720 to recycling anyway. I joke about the guy, but I 1315 01:12:23.880 --> 01:12:28.199 have looked and it's amazing what people put in recycling 1316 01:12:28.239 --> 01:12:30.199 that they think are going to be Like an old toaster, 1317 01:12:30.399 --> 01:12:31.319 is that recyclable? 1318 01:12:31.439 --> 01:12:31.560 No? 1319 01:12:32.279 --> 01:12:32.920 An old toaster? 1320 01:12:33.119 --> 01:12:33.520 No? 1321 01:12:33.520 --> 01:12:33.600 No? 1322 01:12:33.720 --> 01:12:38.319 What then what happens? What happens with a recycled bin? 1323 01:12:38.560 --> 01:12:40.920 Because I'm going to venture to say eighty percent of 1324 01:12:40.960 --> 01:12:43.880 everything they collect is non recyclable. What would you think 1325 01:12:44.039 --> 01:12:45.279 you're in the business. 1326 01:12:45.159 --> 01:12:48.119 Yeah, I think you know. Denver does publish those statistics, 1327 01:12:48.399 --> 01:12:51.840 and from what I've from what I've observed, this about 1328 01:12:51.840 --> 01:12:53.920 thirty to forty percent is going to be garbage. 1329 01:12:54.359 --> 01:12:55.319 However, do they. 1330 01:12:55.279 --> 01:12:57.680 Take it out? Do we still get the benefit of 1331 01:12:57.720 --> 01:13:00.119 recycling for the little stuff that's in there that it 1332 01:13:00.159 --> 01:13:01.319 really is recyclable? 1333 01:13:01.479 --> 01:13:03.560 A few of the things, so number one and number 1334 01:13:03.560 --> 01:13:05.960 two plastics really are recovered and recarp So what. 1335 01:13:05.880 --> 01:13:09.479 I'm asking you is, does the trash ever get so 1336 01:13:09.840 --> 01:13:12.600 mixed and so complicated they throw the whole bin away? 1337 01:13:12.640 --> 01:13:15.520 Oh you mean recycling that trash? Oh yeah, that's why. 1338 01:13:16.000 --> 01:13:19.119 That's why there's such a huge rejection rate that recycling plan. 1339 01:13:20.239 --> 01:13:23.159 So they don't empty my recycle bin and take the 1340 01:13:23.199 --> 01:13:26.520 stuff out that's bad and keep the stuff that's recyclable in. 1341 01:13:26.920 --> 01:13:29.159 It's correct, it's a it's a much more of a 1342 01:13:29.199 --> 01:13:32.319 broad swipe. So all that stuff gets mixed up in 1343 01:13:32.359 --> 01:13:35.600 the truck. The truck dumps onto a gi enormous conveyor belt, 1344 01:13:36.039 --> 01:13:39.000 and so when the people along this conveyor belt see 1345 01:13:39.319 --> 01:13:42.000 a bunch of garbage mixed into the recyclables, they're not 1346 01:13:42.039 --> 01:13:43.760 going to pick stuff out. They just throw it out, 1347 01:13:43.880 --> 01:13:47.760 push that entire section off the conveyor into a waste. 1348 01:13:47.479 --> 01:13:50.079 Even if there's a few plastic bottles they can pick. 1349 01:13:49.880 --> 01:13:52.760 Out, yeah, because it makes absolutely no economic sense to 1350 01:13:52.840 --> 01:13:54.000 go through it and pick out them. 1351 01:13:54.279 --> 01:13:57.039 So on that conveyor belt they pick out just the 1352 01:13:57.079 --> 01:13:59.800 obvious recyclables that are pretty isolated. 1353 01:14:00.159 --> 01:14:04.199 Well, what they pick out is the contamination from the 1354 01:14:04.239 --> 01:14:07.199 section of the conveyor belt that has very little contamination, 1355 01:14:07.319 --> 01:14:08.319 So they'll pick out that. 1356 01:14:08.159 --> 01:14:11.079 What's the contamination stuff that's not recycling. 1357 01:14:10.680 --> 01:14:13.920 So like that toaster you mentioned, or the styrofoam. 1358 01:14:13.359 --> 01:14:15.479 Yes, the styrophone. By the way, I actually got a 1359 01:14:15.479 --> 01:14:18.319 big note with a big magic marker they marked on 1360 01:14:19.119 --> 01:14:24.680 my recyclable lid. No, no, I read it. Yeah, you did. 1361 01:14:24.720 --> 01:14:25.000 See it. 1362 01:14:25.079 --> 01:14:27.640 Yes, yes, I'm telling the truth. Why because I used 1363 01:14:27.640 --> 01:14:29.600 to get Amazon and I get not used to I 1364 01:14:29.640 --> 01:14:31.720 get Amazon and they have a lot of styrophom. I'd 1365 01:14:31.720 --> 01:14:33.479 break it up and put it in the recyclable I 1366 01:14:33.479 --> 01:14:34.920 thought styrophone recyclable. 1367 01:14:34.960 --> 01:14:38.239 No, well, technically almost everything is recyclable, but styrofoam was 1368 01:14:38.359 --> 01:14:41.520 not recycled here in Denver or any other curb side 1369 01:14:41.520 --> 01:14:44.840 program I'm aware of, because it's so uneconomical. There is 1370 01:14:44.880 --> 01:14:47.920 a place in Calder Springs that manufactures styrofoam, and they 1371 01:14:47.960 --> 01:14:50.880 will accept your styrofoam for recycling, but you have to 1372 01:14:50.960 --> 01:14:53.039 drive it over there to them. 1373 01:14:53.479 --> 01:14:55.279 Does that answer the question? 1374 01:14:55.439 --> 01:14:58.600 So the best thing that people who really care about recycling, 1375 01:14:58.640 --> 01:15:00.880 the best thing for them to do is just make 1376 01:15:00.920 --> 01:15:05.039 sure don't throw things that you don't get too optimistic. 1377 01:15:05.399 --> 01:15:08.520 Don't throw the styrofoam, don't throw in the toast, or 1378 01:15:08.560 --> 01:15:11.520 don't throw in like the yogurt tubs and stuff like that, 1379 01:15:11.960 --> 01:15:15.520 hoping they'll be recycled, because what's gonna happen is you're 1380 01:15:15.520 --> 01:15:18.239 going to contaminate a bunch of other actual recyclable stuff 1381 01:15:18.359 --> 01:15:19.800 and it will all get thrown away. 1382 01:15:20.039 --> 01:15:20.239 Hey. 1383 01:15:20.279 --> 01:15:24.199 Hey, if you dimitri if you take out the uh, 1384 01:15:25.399 --> 01:15:28.680 I don't know, if you take out the greenness of it. 1385 01:15:28.720 --> 01:15:32.680 Is there any economic reason to recycle plastic? 1386 01:15:32.760 --> 01:15:33.720 Good question. 1387 01:15:35.800 --> 01:15:38.880 Yeah, the two plastics I mentioned number one and number two, 1388 01:15:39.399 --> 01:15:42.880 the recycling company might get a nickel, maybe. 1389 01:15:42.640 --> 01:15:43.520 A dime a pound. 1390 01:15:43.880 --> 01:15:47.159 Aluminum cans are worth about a buck a pound, tintable. 1391 01:15:47.720 --> 01:15:51.560 But what Mark is asking is is it economically feasible 1392 01:15:51.600 --> 01:15:55.000 to use recycling materials as opposed to fresh plastics? In 1393 01:15:55.000 --> 01:15:59.159 other words, the companies saved by using recyclable materials. 1394 01:15:58.760 --> 01:16:01.279 You mean the manufacturers. I thought he was asking about it. 1395 01:16:01.680 --> 01:16:03.079 What I'm saying is make money. 1396 01:16:03.159 --> 01:16:05.319 What I'm saying is, I don't know. Were you asking 1397 01:16:05.520 --> 01:16:08.960 recycling people make money? Mark? Or if it's economically feasible 1398 01:16:09.000 --> 01:16:11.800 to reuse that recyclable stuff in manufacturing? 1399 01:16:12.039 --> 01:16:12.279 Yeah. 1400 01:16:12.319 --> 01:16:15.119 If you take out you know, we don't want to 1401 01:16:15.159 --> 01:16:17.960 kill the dolphins and all that stuff. Isn't it cheaper 1402 01:16:18.159 --> 01:16:22.399 just to use or make plastic compared to recycling it? 1403 01:16:22.520 --> 01:16:26.279 Then make plastic out of it. 1404 01:16:26.319 --> 01:16:28.560 Well, with the exception of number one and number two, 1405 01:16:28.600 --> 01:16:31.920 You're absolutely correct. Number one would be like your soda bottles, 1406 01:16:31.920 --> 01:16:32.680 your water bottles. 1407 01:16:32.760 --> 01:16:33.640 Number two way. 1408 01:16:33.560 --> 01:16:36.119 Less energy to recycle and use it than to do 1409 01:16:36.159 --> 01:16:36.720 fresh just. 1410 01:16:36.760 --> 01:16:37.520 With those two. 1411 01:16:37.720 --> 01:16:40.960 Yeah, right, now, where my company makes money is we 1412 01:16:41.039 --> 01:16:42.760 specialize in cardboard recycling. 1413 01:16:43.079 --> 01:16:44.279 That is very profitable. 1414 01:16:44.319 --> 01:16:47.680 How is that recycled? Is that broken down and shredded. 1415 01:16:47.279 --> 01:16:48.520 Or what it goes to? 1416 01:16:48.880 --> 01:16:51.960 So it gets you know, the cardboard gets bailed up, 1417 01:16:52.000 --> 01:16:53.680 we pick it up, we ship it off to paper. 1418 01:16:53.800 --> 01:16:57.239 What is actually done with that is melted or melted. 1419 01:16:56.960 --> 01:17:00.159 Cardboard goes into a giant machine called a hydropulper, like 1420 01:17:00.199 --> 01:17:03.560 a huge, three story tall blender, and it shops with 1421 01:17:03.640 --> 01:17:06.319 hot water and it's got blades just like a blender. 1422 01:17:06.680 --> 01:17:09.199 They add chemicals to de ink it. They had chemicals 1423 01:17:09.199 --> 01:17:12.039 to remove the glue, and basically. 1424 01:17:11.600 --> 01:17:14.680 You end up with a slurry of hot water and fiber. 1425 01:17:15.680 --> 01:17:19.439 And so it's extremely economical to make cardboard out of 1426 01:17:19.640 --> 01:17:21.359 cardboard as opposed. 1427 01:17:20.960 --> 01:17:23.159 To cardboard out of fresh materials. 1428 01:17:23.239 --> 01:17:23.359 Right. 1429 01:17:23.439 --> 01:17:26.359 Yeah, it's called wood pulp. Right, So card. 1430 01:17:26.520 --> 01:17:28.880 Say it literally saves trees. 1431 01:17:28.560 --> 01:17:31.399 Well yeah, it's not the trees you're thinking of, Like, 1432 01:17:31.439 --> 01:17:34.279 they don't chop down the redwoods to make cardboard. 1433 01:17:34.279 --> 01:17:37.720 Bind they're more like but it does, say. 1434 01:17:37.640 --> 01:17:38.560 It absolutely does. 1435 01:17:38.800 --> 01:17:43.159 Cardboard is absolutely legitimate aluminum cans and tin cans. That's 1436 01:17:43.279 --> 01:17:46.279 absolutely an economically legitimate thing to recycle. 1437 01:17:46.359 --> 01:17:50.000 And plastics two plastics, yeah, two plastics, but you know, 1438 01:17:50.199 --> 01:17:52.960 not plastic, no like the you. 1439 01:17:52.880 --> 01:17:54.760 Know, the streat that kind of stuff. 1440 01:17:55.039 --> 01:17:57.399 So there's only one other type of plastic actually that 1441 01:17:57.520 --> 01:18:01.159 is very recyclable, and it's stretch wrap. Now, we consumers 1442 01:18:01.199 --> 01:18:03.319 don't generate it. But if you've seen like good. 1443 01:18:03.159 --> 01:18:05.680 Boat good or big boats that they put up for 1444 01:18:05.720 --> 01:18:08.279 the winter, not that oh I thought you. 1445 01:18:08.199 --> 01:18:10.920 Were the when they ship palate loads of goods, they're 1446 01:18:11.399 --> 01:18:15.880 they're wrapped in this car. What I'm talking about, well, 1447 01:18:16.000 --> 01:18:19.479 notes actually technically called stretch wrap, and we send that 1448 01:18:19.560 --> 01:18:24.159 off to a company called Treks and they make plastic lumber. 1449 01:18:23.840 --> 01:18:24.279 Out of it. 1450 01:18:24.880 --> 01:18:28.079 That's actually pretty valuable stuff. Another dime to twenty cents something. 1451 01:18:28.119 --> 01:18:30.079 Now I do have Dan mackenzie, and I'm gonna take 1452 01:18:30.079 --> 01:18:31.840 a break. I want to give Dan plenty of time. 1453 01:18:31.920 --> 01:18:34.840 He is our estate planning attorney expert. And this is 1454 01:18:34.880 --> 01:18:37.880 a very odd question, but it's a good one. What 1455 01:18:38.039 --> 01:18:41.039 happens when you're a you're a beneficiary on something and 1456 01:18:41.079 --> 01:18:43.600 the other beneficiary is not cooperating, so they say the 1457 01:18:43.640 --> 01:18:45.840 hell with both of you. We'll talk about that and 1458 01:18:45.880 --> 01:18:48.279 more coming up on the Troubleshooter Show. Three oh three 1459 01:18:48.520 --> 01:18:56.279 seven one three eight two five five. Go with a 1460 01:18:56.359 --> 01:19:00.159 sure thing Denver's best roofer Excel Roofing dot com. You'll 1461 01:19:00.199 --> 01:19:06.159 pay a cent until you're content. Time for an insurance 1462 01:19:06.239 --> 01:19:10.479 checkup free, no obligation comparison call Compass Insurance paying too 1463 01:19:10.560 --> 01:19:13.640 much your coverage at dozens of insurance companies find out 1464 01:19:13.680 --> 01:19:15.800 now three oh three seven to seven to one. Help. 1465 01:19:15.960 --> 01:19:18.600 You'll think you're his only customer when you choose Frank 1466 01:19:18.680 --> 01:19:21.119 durand the Real estate Man dot com to list your 1467 01:19:21.159 --> 01:19:24.319 home with Remax Alliance. Three oh three nine two zero 1468 01:19:24.399 --> 01:19:31.640 sixteen twenty two. Hey Tom Martino here three o three 1469 01:19:31.800 --> 01:19:35.199 seven one three talk seven one three eight two five five. 1470 01:19:35.720 --> 01:19:38.720 I'm gonna bring up Dan McKenzie right now. McKenzie Law 1471 01:19:39.239 --> 01:19:43.920 coplans dot Co. He does a state planning probate if 1472 01:19:43.920 --> 01:19:46.920 you're facing probate, avoiding probate if you're looking to probate, 1473 01:19:47.439 --> 01:19:52.119 to avoid wills, simple wills, complicated wills, trusts, and other 1474 01:19:52.199 --> 01:19:57.479 creative means to deal with your estate and estate planning 1475 01:19:57.560 --> 01:20:01.840 eight three three co plans Now, Dan, this is an 1476 01:20:01.840 --> 01:20:06.319 odd one. So there are three brothers. They're all estranged 1477 01:20:06.319 --> 01:20:10.079 from each other. One of them dies. He was working 1478 01:20:10.119 --> 01:20:13.560 for a company and had a retirement plan, and he 1479 01:20:13.680 --> 01:20:20.520 left his two other estranged brothers as beneficiaries. The company 1480 01:20:20.560 --> 01:20:25.720 in California contacts the beneficiaries and says, we need this 1481 01:20:25.880 --> 01:20:32.279 much information to establish who you are. Larry, no way, 1482 01:20:32.279 --> 01:20:37.760 excuse me. It's Kenny, right, Kenny, who's here? Kenny complies, 1483 01:20:38.800 --> 01:20:43.319 and Kenny answers all of the questions and establishes that 1484 01:20:43.399 --> 01:20:48.760 he is indeed one of the beneficiaries. The other brother says, 1485 01:20:49.560 --> 01:20:53.319 f you, I want nothing to do with this and 1486 01:20:53.399 --> 01:20:58.720 won't answer any questions. So Kenny says, I want my 1487 01:20:59.680 --> 01:21:05.920 shit of the retirement plan, and the California company says, oh, contraire, 1488 01:21:06.640 --> 01:21:10.880 We're not paying you a dime, and unless both of 1489 01:21:10.920 --> 01:21:18.600 you comply, it's going nowhere. What do you think about that, 1490 01:21:18.720 --> 01:21:21.039 Dan McKenzie, Man. 1491 01:21:20.920 --> 01:21:24.000 It doesn't sound right. I mean it's they're two independent people. 1492 01:21:24.039 --> 01:21:28.000 They have two separate shares. Usually what happens is a 1493 01:21:28.119 --> 01:21:32.640 retirement account, an inherited retirement account gets set up reach 1494 01:21:32.720 --> 01:21:35.359 the participants. They each get their money separately, and they 1495 01:21:35.399 --> 01:21:37.479 do what they want with it. I mean, I don't 1496 01:21:37.520 --> 01:21:38.880 know why one would be tied to the other. 1497 01:21:41.359 --> 01:21:44.760 Larry, did they give you a reason? Did you actually 1498 01:21:44.840 --> 01:21:50.960 get a reason? I'm not Larry, Not Larry, I'm sorry, 1499 01:21:51.039 --> 01:21:54.159 it's Kenny. Larry has another question. Kenny is the one 1500 01:21:54.239 --> 01:21:56.840 from the estate. Go ahead, Kenny, Sorry for the confusion. 1501 01:21:58.119 --> 01:22:01.560 Yes, I just got a COPU call from Romeo Rassino. 1502 01:22:02.000 --> 01:22:05.359 I got my brother's phone number. He said he needs 1503 01:22:05.359 --> 01:22:09.680 this address dated Wirth SS number, which is no way 1504 01:22:09.800 --> 01:22:12.039 going to give out that as to comply. 1505 01:22:12.760 --> 01:22:19.359 He Kenny, Kenny, you know awhere did they say why? 1506 01:22:19.399 --> 01:22:24.199 Did they say why they would not give you your 1507 01:22:24.359 --> 01:22:26.680 half of the account? 1508 01:22:27.239 --> 01:22:30.920 Yes, they have a procedure they have to follow. 1509 01:22:32.159 --> 01:22:36.000 And they said unless both heirs comply. What did they 1510 01:22:36.039 --> 01:22:37.520 say they would do with the money? 1511 01:22:39.279 --> 01:22:41.119 They started to go in the back office and some 1512 01:22:42.560 --> 01:22:44.880 wherever storage area and that will be the end of 1513 01:22:44.920 --> 01:22:46.279 it until they get their information. 1514 01:22:50.439 --> 01:22:52.880 I think you need to hire an attorney. 1515 01:22:53.199 --> 01:22:55.720 Probably in Kelter, the company located. 1516 01:22:57.479 --> 01:23:03.199 You know, when I don't know the tiring attorneys. You know, 1517 01:23:05.199 --> 01:23:08.199 I I did everything well. Then they told me what 1518 01:23:08.239 --> 01:23:10.279 I could apply to or give me the information and 1519 01:23:10.359 --> 01:23:14.000 they turned around. The next letter after saying the amount 1520 01:23:14.159 --> 01:23:16.199 is being calculated to turn around the next day, I 1521 01:23:16.239 --> 01:23:19.520 get a letter saying, affidaily, we need your brother's information. 1522 01:23:20.199 --> 01:23:23.920 We need his birth certificate. I supplied my first figure, 1523 01:23:24.079 --> 01:23:28.079 my brother's first theory, my brother's death certificate, all information's 1524 01:23:28.119 --> 01:23:31.399 original conversation was about, and then he went ahead and 1525 01:23:31.399 --> 01:23:32.720 added a whole nother anny. 1526 01:23:32.840 --> 01:23:38.239 I get it, I get it. You don't have information 1527 01:23:38.960 --> 01:23:42.399 on your other brother, and I don't know why they 1528 01:23:42.479 --> 01:23:47.880 need that information to distribute your part of the retirement account. 1529 01:23:48.079 --> 01:23:51.720 And I think it's horsecrap, and I think you need 1530 01:23:51.760 --> 01:23:55.000 to hire an attorney to write them a letter. Can 1531 01:23:55.039 --> 01:24:00.039 you think of any circumstance Dan, where co benefit in 1532 01:24:00.199 --> 01:24:02.640 trees are held to each other. 1533 01:24:04.439 --> 01:24:05.000 I can't. 1534 01:24:05.199 --> 01:24:06.760 The only thing I can think of is if he 1535 01:24:06.880 --> 01:24:09.880 said something like to my brothers and like they're not 1536 01:24:09.960 --> 01:24:12.720 sure who that includes and they're trying to confirm that, 1537 01:24:12.880 --> 01:24:15.960 or something vaguer than naming them if you name them 1538 01:24:16.000 --> 01:24:18.680 by name, and said these are my brothers and they're 1539 01:24:18.720 --> 01:24:21.960 the beneficiaries, I just I don't think. I mean, I 1540 01:24:21.960 --> 01:24:24.439 think to understand that this is a contract that your 1541 01:24:24.520 --> 01:24:29.119 deceased brother had with them, and so like seeing that document, 1542 01:24:29.399 --> 01:24:38.640 like whatever their governing document is, it would be Yeah. 1543 01:24:36.840 --> 01:24:40.199 Kenny, I have a question, was there in a state 1544 01:24:40.359 --> 01:24:44.720 opened for your brother, approbate proceeding or anything? He did 1545 01:24:44.760 --> 01:24:47.359 he have a will? And did he name any personal 1546 01:24:47.439 --> 01:24:50.359 representatives any of that. 1547 01:24:50.359 --> 01:24:53.000 That's kind of funny you say that because when he 1548 01:24:53.079 --> 01:24:56.520 went to the hospice of the final basaport, you only 1549 01:24:56.600 --> 01:24:59.319 has to be mentioned by younger brother's name because he 1550 01:24:59.399 --> 01:25:03.119 was sick of no stop going very well. And they said, 1551 01:25:03.159 --> 01:25:07.239 because you only even mentioned his name, that's all that 1552 01:25:07.239 --> 01:25:10.359 that person, that's the contact, and I cannot do anything 1553 01:25:10.840 --> 01:25:12.439 I should. I just learned about this. 1554 01:25:13.079 --> 01:25:17.000 Was a probate opened. Did your younger brother open a probate? 1555 01:25:17.039 --> 01:25:19.199 It seems like if he didn't want anything to do 1556 01:25:19.279 --> 01:25:21.880 with the retirement funds, he's not going to open a probate. 1557 01:25:23.039 --> 01:25:23.680 Oh he did not. 1558 01:25:26.560 --> 01:25:29.760 Does your brother have anything other than the retirement account, 1559 01:25:29.760 --> 01:25:32.880 the one that's deceased. Did he have a home? Did 1560 01:25:32.920 --> 01:25:35.319 he have automobiles? 1561 01:25:36.000 --> 01:25:37.520 I have no idea, Kenny. 1562 01:25:38.239 --> 01:25:41.560 You understand that if the younger brother, it doesn't matter 1563 01:25:41.560 --> 01:25:44.159 if the younger brother was mentioned or not. You have 1564 01:25:44.239 --> 01:25:46.560 a right right now if no one else did it 1565 01:25:46.880 --> 01:25:50.439 to open up probate. See, here's what I would do 1566 01:25:50.479 --> 01:25:53.039 if I were you. I can't tell I can't force you. 1567 01:25:53.119 --> 01:25:55.880 Here's what I would do if I had this exact 1568 01:25:56.000 --> 01:26:02.359 same situation. I would hire an attorney since in California 1569 01:26:02.439 --> 01:26:07.880 to open up a probate and then I would proceed 1570 01:26:08.800 --> 01:26:13.039 in that same action to have that attorney contact the 1571 01:26:13.159 --> 01:26:18.920 California company and make a demand for the proceeds from 1572 01:26:18.960 --> 01:26:23.479 the beneficiary. I would argue should go to you, Your 1573 01:26:23.520 --> 01:26:26.600 parts should go to you. I would then reach out 1574 01:26:26.640 --> 01:26:30.319 to the other brother and say, look, you're welcome to 1575 01:26:30.319 --> 01:26:34.800 have your part of this estate. Now, Dan McKenzie, is 1576 01:26:34.840 --> 01:26:36.159 that bad advice I gave? 1577 01:26:37.680 --> 01:26:40.319 I think it's probably. I mean, if they just won't 1578 01:26:40.359 --> 01:26:42.960 stay ball events, it's probably at the end of the day, 1579 01:26:43.000 --> 01:26:44.920 there is me some sort of cord activity, and the 1580 01:26:44.920 --> 01:26:48.479 probate case probably is the way to a platform on 1581 01:26:48.880 --> 01:26:51.399 to do that. So yeah, unfortunately California is kind of 1582 01:26:51.720 --> 01:26:55.159 a notorious for hav any a little bit difficult probate process, 1583 01:26:55.279 --> 01:26:57.560 but so hopefully it is an amount of money that 1584 01:26:57.600 --> 01:26:58.039 makes it work. 1585 01:26:58.119 --> 01:27:01.079 Well, how would he go about to find an attorney 1586 01:27:01.119 --> 01:27:03.319 in that area for pro Is there any kind of 1587 01:27:03.359 --> 01:27:05.199 an association he can look to. 1588 01:27:06.439 --> 01:27:09.479 Uh this, I'm pretty generic, but it actually is a 1589 01:27:09.520 --> 01:27:11.720 group of attorneys that takes us pretty seriously. 1590 01:27:11.720 --> 01:27:12.880 If you go to a state. 1591 01:27:12.680 --> 01:27:16.279 Planning dot com, there is just a search function right 1592 01:27:16.319 --> 01:27:20.359 on that right on that page, and it does provide 1593 01:27:20.399 --> 01:27:23.520 attorneys by location, and you know they are usually a 1594 01:27:23.560 --> 01:27:25.520 specialist in the state administration. 1595 01:27:25.800 --> 01:27:29.960 Kenny, Kenny, you know, there's got to be at least 1596 01:27:29.960 --> 01:27:32.279 one hundred grand in that retirement account. I would say 1597 01:27:32.439 --> 01:27:34.880 just that. I mean, I don't know how long. How 1598 01:27:34.920 --> 01:27:36.159 long did he work there? 1599 01:27:37.760 --> 01:27:39.720 I guess you'd be tired from them, So I'm gonna 1600 01:27:39.720 --> 01:27:41.479 assume a good twenty years, you know, I. 1601 01:27:41.359 --> 01:27:45.159 Mean, I mean, look, there's probably more. But what I'm 1602 01:27:45.199 --> 01:27:47.640 saying is, if I were you, I would go to 1603 01:27:47.680 --> 01:27:50.199 a state planning Is it a state planning dot org? 1604 01:27:50.359 --> 01:27:54.720 Is that what you said, Dan? A dot org dot com? 1605 01:27:55.680 --> 01:28:01.439 State planning dot com? Go there, Kenny, get an attorney 1606 01:28:01.520 --> 01:28:05.880 in that area and just explain the situation and open 1607 01:28:05.920 --> 01:28:08.720 approbate and get this damn thing done. You have all 1608 01:28:08.720 --> 01:28:12.840 of your brothers, decease brothers information, you have the death certificate. 1609 01:28:13.039 --> 01:28:15.720 You have enough to do this. I hope that's enough. 1610 01:28:15.880 --> 01:28:17.199 I mean, I don't know what else to tell you, 1611 01:28:17.239 --> 01:28:20.439 but that's where I start. And then have him that 1612 01:28:20.520 --> 01:28:24.720 attorney or her in California reach out to that company 1613 01:28:25.119 --> 01:28:28.000 because that attorney will know how to recover your share 1614 01:28:28.600 --> 01:28:32.079 of the account where you're a beneficiary. All right, now, 1615 01:28:32.359 --> 01:28:35.319 let me try to squeeze Larry in here. Larry, what 1616 01:28:35.479 --> 01:28:38.960 is your question for Dan McKenzie. Welcome to the show. 1617 01:28:40.239 --> 01:28:40.800 Thanks Tom. 1618 01:28:40.840 --> 01:28:41.640 Real quick question. 1619 01:28:42.800 --> 01:28:46.680 My father in law passed a year ago January. My 1620 01:28:46.840 --> 01:28:51.479 wife and her sister acquired a house under a joint tenancy. 1621 01:28:52.920 --> 01:28:57.479 My sister has a there's no desire to keep the 1622 01:28:57.520 --> 01:28:59.760 house on my sister's side, but there's a desire on 1623 01:28:59.800 --> 01:29:02.920 my wife to keep the house. So we wanted to 1624 01:29:03.039 --> 01:29:06.439 buy out my sister in law's half of the house 1625 01:29:06.760 --> 01:29:10.600 and joint tendancy, and we cannot come to an agreement 1626 01:29:10.760 --> 01:29:14.520 as of this time. Is there anything I need to 1627 01:29:14.560 --> 01:29:18.319 be aware of? She made a mention in a text 1628 01:29:18.359 --> 01:29:22.159 that she will unilaterally put the house up on the market. 1629 01:29:22.760 --> 01:29:23.920 Is that allowed under dr. 1630 01:29:25.800 --> 01:29:26.079 Well? 1631 01:29:26.720 --> 01:29:33.520 A joint tenancy is where they own it equally and simultaneously, 1632 01:29:33.640 --> 01:29:36.880 so they don't have a divide. I don't believe they 1633 01:29:36.920 --> 01:29:39.720 have a divide in interest, or maybe they do. Am 1634 01:29:39.760 --> 01:29:41.439 I getting the joint tenancy wrong? 1635 01:29:41.560 --> 01:29:41.760 Dan? 1636 01:29:42.760 --> 01:29:45.119 Now it is one interest. I don't think it even matters. 1637 01:29:45.159 --> 01:29:46.840 I mean, I tell something of course is going to 1638 01:29:46.880 --> 01:29:50.199 require all owners to sign any any titles ranswer to 1639 01:29:50.239 --> 01:29:53.079 sell the house. But what can happen is the person 1640 01:29:53.119 --> 01:29:55.079 who wants to force that they out can bring a 1641 01:29:55.159 --> 01:29:58.239 partition action in court and say, look, court, we co 1642 01:29:58.359 --> 01:30:00.520 own this property. We can't agree. I mean, we want 1643 01:30:00.560 --> 01:30:02.880 I want you to order this house to be sold. 1644 01:30:03.039 --> 01:30:06.159 So the person wants to sell that ponibility. 1645 01:30:08.520 --> 01:30:13.039 One thing I do know, whenever there is a dispute 1646 01:30:13.279 --> 01:30:21.359 with an LLC, a partnership, joint tenancy, joint ownership, the 1647 01:30:21.439 --> 01:30:26.399 rules of the state where it's we're talking Colorado here 1648 01:30:26.399 --> 01:30:27.079 a caller. 1649 01:30:28.159 --> 01:30:30.439 Nope, we're talking New Jersey. 1650 01:30:31.039 --> 01:30:35.840 Okay, then the partnership laws of the state of New Jersey. 1651 01:30:36.199 --> 01:30:39.439 Where it is not already agreed to in an operating 1652 01:30:39.479 --> 01:30:44.239 agreement or in a separate agreement, then the partnership laws prevail. 1653 01:30:45.039 --> 01:30:48.159 And almost every state is like that. So, for example, 1654 01:30:48.399 --> 01:30:50.920 if I had to dispute, if I had a dispute 1655 01:30:50.960 --> 01:30:54.239 with one of my co owners of an LLC and 1656 01:30:54.319 --> 01:30:57.479 we did not address what to do with that dispute 1657 01:30:57.880 --> 01:31:00.239 or how to do it or how to dissolve it 1658 01:31:00.439 --> 01:31:03.880 or anything. Then you would go to the state partnership 1659 01:31:04.159 --> 01:31:09.239 statutes and follow their procedures which would dictate the sale 1660 01:31:09.319 --> 01:31:13.680 of the property and how it's done properly. Again, since 1661 01:31:13.680 --> 01:31:19.239 there is no written agreement, they inherited this. But here's 1662 01:31:19.279 --> 01:31:24.920 the thing you got to understand something. Shared ownership only 1663 01:31:24.960 --> 01:31:29.359 comes in two flavors. Okay, And did it actually say, 1664 01:31:30.000 --> 01:31:32.279 I mean, how did you know their joint tenancy? 1665 01:31:33.920 --> 01:31:37.560 Well, it was all discussed prior to passing. And the 1666 01:31:37.680 --> 01:31:43.920 house is a Jersey shorehouse. It was both my wife's 1667 01:31:44.000 --> 01:31:47.600 parents' house for the last thirty years. My father in 1668 01:31:47.720 --> 01:31:50.119 law made it very clear that he wanted to pass 1669 01:31:50.159 --> 01:31:53.800 it down through the family, wanted both my wife and 1670 01:31:53.880 --> 01:31:57.239 my sister in law to have the house, and made 1671 01:31:57.319 --> 01:32:03.119 stipulations with bank accout ounce and everything to pay for taxes. Now, 1672 01:32:03.199 --> 01:32:05.159 my sister in law who lives in. 1673 01:32:05.079 --> 01:32:07.880 South Well, what tell me what your sister in law wants? 1674 01:32:07.920 --> 01:32:10.279 What is her main beef? What does she want? 1675 01:32:11.000 --> 01:32:15.880 She wants she wants cash by June? 1676 01:32:16.560 --> 01:32:18.199 Well, she wants how much cash? 1677 01:32:19.760 --> 01:32:19.960 Seven? 1678 01:32:23.039 --> 01:32:25.960 What is is half of the house worth that. 1679 01:32:27.840 --> 01:32:29.399 She thinks, so I don't think. 1680 01:32:29.439 --> 01:32:32.560 So do you want to keep the house or do 1681 01:32:32.640 --> 01:32:35.560 you want to sell it? Let me ask you. Does 1682 01:32:35.600 --> 01:32:36.920 she want to keep. 1683 01:32:38.840 --> 01:32:39.399 No wants? 1684 01:32:39.600 --> 01:32:42.760 I'm asking do you want to sell the house? Do 1685 01:32:42.840 --> 01:32:46.520 you want to keep it? Okay, then what's the big beef? 1686 01:32:46.760 --> 01:32:48.439 You don't have to give her a dime put it 1687 01:32:48.520 --> 01:32:52.479 up for sale. You both agree you want to sell it? Right? 1688 01:32:53.319 --> 01:32:55.439 No, no, no, no, we want to keep the house. 1689 01:32:55.520 --> 01:32:57.680 We do not want to sell it. She wants to 1690 01:32:57.720 --> 01:32:58.119 sell it. 1691 01:32:59.479 --> 01:33:01.079 And what do you want to do with the house? 1692 01:33:02.680 --> 01:33:03.520 Keep it in the family? 1693 01:33:05.199 --> 01:33:07.399 Well what does that mean? I mean, do you want 1694 01:33:07.399 --> 01:33:08.760 to live in it? What do you want to do? 1695 01:33:08.760 --> 01:33:10.319 Do you want to look at it? What do you 1696 01:33:10.319 --> 01:33:11.319 want to do with the house. 1697 01:33:12.479 --> 01:33:15.920 Eventually my wife and I will be leaving Colorado and 1698 01:33:15.960 --> 01:33:18.960 moving back to New Jersey. So yes, we want to 1699 01:33:19.119 --> 01:33:24.000 keep it for retirement, which is two years away. 1700 01:33:22.560 --> 01:33:25.800 All right, then you're going to have to come to 1701 01:33:25.840 --> 01:33:28.279 an agreement or it's going to be sold. 1702 01:33:31.720 --> 01:33:33.199 But if it can, because. 1703 01:33:33.439 --> 01:33:35.760 It happens, he can make the offer, right, I mean, 1704 01:33:36.000 --> 01:33:38.600 you know, if the courts forces the partition, he can 1705 01:33:38.640 --> 01:33:41.600 still to make the offer. Either way, you should get 1706 01:33:41.600 --> 01:33:43.439 an appraisal, because if you're going to keep it, you 1707 01:33:43.479 --> 01:33:45.920 want to make sure you preserve a record of what 1708 01:33:45.960 --> 01:33:49.720 the value was for the step up in basis exactly exactly. 1709 01:33:50.239 --> 01:33:52.680 So here's what how much is the house? How much 1710 01:33:52.840 --> 01:33:54.720 is the house really worth? Right now? 1711 01:33:55.680 --> 01:34:00.439 I believe the house is worth one point three some 1712 01:34:00.720 --> 01:34:07.840 maintenance issues that need to be taken care of, she takes, Look, how. 1713 01:34:07.760 --> 01:34:10.880 About getting one? How about getting an appraisal? How about 1714 01:34:10.880 --> 01:34:13.920 getting three appraisals and throw out the top and the 1715 01:34:13.960 --> 01:34:17.000 bottom and keep the middle. What about that? Is she 1716 01:34:17.159 --> 01:34:18.720 willing to work with you at all? 1717 01:34:20.359 --> 01:34:26.399 Uh? You know I put out three different proposals to her, 1718 01:34:28.000 --> 01:34:29.239 and she's. 1719 01:34:28.840 --> 01:34:30.600 Okay, hold on, I'll come right back to you. I'm 1720 01:34:30.640 --> 01:34:39.399 Tom Martine. Go with a sure thing Denver's best roofer 1721 01:34:39.520 --> 01:34:42.439 Excel Roofing dot com. You don't pay a cent until 1722 01:34:42.479 --> 01:34:48.920 you're content. Time for an insurance check up free, no obligation. 1723 01:34:48.960 --> 01:34:52.800 In comparison, call Compass insurance paying too much your coverage 1724 01:34:52.800 --> 01:34:55.399 at dozens of insurance companies find out now three O 1725 01:34:55.520 --> 01:34:58.000 three seven to seven one help. You'll think you're his 1726 01:34:58.159 --> 01:35:00.800 only customer when you choose Frank to the real estate 1727 01:35:00.840 --> 01:35:04.079 man dot com to list your home with Remax Alliance 1728 01:35:04.319 --> 01:35:09.880 three oh three nine two zero sixteen twenty two. Hi 1729 01:35:10.000 --> 01:35:12.399 Tom Artino here three oh three seven one three talk 1730 01:35:13.720 --> 01:35:20.239 seven one three eight two five five. Okay, so we've 1731 01:35:20.279 --> 01:35:24.680 had Dan McKenzie on answering some questions plans dot Coe. 1732 01:35:25.239 --> 01:35:29.399 Larry has a question for Dan. Larry, go ahead, what's 1733 01:35:29.439 --> 01:35:30.199 going on? Larry? 1734 01:35:31.800 --> 01:35:35.239 Well, we were talking about the joint Tennessee Tom. 1735 01:35:36.319 --> 01:35:40.960 Yes, and what you need to do on the joint tenancy. 1736 01:35:41.720 --> 01:35:46.199 Because okay, here's the deal. If you guys can't come 1737 01:35:46.239 --> 01:35:50.000 to an agreement, Dan mckenzie'll tell you what's going to happen. 1738 01:35:50.840 --> 01:35:54.960 The courts will do what Dan, If it's brought to court, 1739 01:35:55.319 --> 01:35:59.439 they'll go to partnership law. What would most likely result? 1740 01:36:00.119 --> 01:36:03.199 Now, she would she could finally partition action, which she 1741 01:36:03.239 --> 01:36:05.439 should not want to do. I mean obviously that could 1742 01:36:05.439 --> 01:36:09.840 be litigation like and get pretty extensive pretty quickly. So 1743 01:36:09.920 --> 01:36:11.920 she really should not want to do that and should 1744 01:36:11.920 --> 01:36:14.319 be amenable to making some sort of arrangement. I agree 1745 01:36:14.359 --> 01:36:17.039 with Tom. I mean, get one appraisal. 1746 01:36:16.760 --> 01:36:18.680 And send it to her and say here's. 1747 01:36:18.439 --> 01:36:18.880 What we got. 1748 01:36:19.000 --> 01:36:21.000 You want to get one go ahead and see how 1749 01:36:21.000 --> 01:36:25.720 they come in and maybe there's agreement, but I mean, 1750 01:36:25.720 --> 01:36:27.560 there's no scenario where there's no appraisal. 1751 01:36:29.720 --> 01:36:33.960 Has has she agreed to Larry? Are you guys on 1752 01:36:34.119 --> 01:36:37.279 talking terms? 1753 01:36:37.279 --> 01:36:38.720 But she's very passive aggressive? 1754 01:36:40.359 --> 01:36:42.920 But will she agree to an appraisal or two? 1755 01:36:44.199 --> 01:36:46.439 I think so, I think I think that's the next 1756 01:36:46.439 --> 01:36:47.600 step is we need to go. 1757 01:36:48.880 --> 01:36:51.720 I think what I would do. I think what I 1758 01:36:51.720 --> 01:36:57.720 would do is since it's the wife, your wife and 1759 01:36:57.840 --> 01:37:01.479 her who are really the owners, they need to agree 1760 01:37:01.640 --> 01:37:05.840 to hire an appraiser, or you each get an appraisal 1761 01:37:06.359 --> 01:37:11.039 and you go in the middle. But but Larry, you 1762 01:37:11.159 --> 01:37:15.279 don't know what that house is worth. She doesn't know 1763 01:37:15.319 --> 01:37:18.960 what that house is worth. She's going by gut, you're 1764 01:37:19.000 --> 01:37:22.920 going by gut. And as as Dan McKenzie just said, 1765 01:37:23.199 --> 01:37:28.520 there is no scenario, none, where you don't get an appraisal. 1766 01:37:28.800 --> 01:37:32.159 If you can tell your sister, look, if you saw us, 1767 01:37:32.520 --> 01:37:36.439 the first thing that's gonna order is an appraisal. I mean, 1768 01:37:36.520 --> 01:37:38.960 so what good is that? Why are we wasting money? 1769 01:37:39.920 --> 01:37:42.399 So that's what I would do, Larry, thank you three 1770 01:37:42.479 --> 01:37:44.840 oh three seven one three talks seven one three eight 1771 01:37:44.880 --> 01:37:47.880 two five five As we said, Dan McKenzie eight three 1772 01:37:48.000 --> 01:37:51.640 three Coe plans if you ever need him now, Joy, Joy, 1773 01:37:51.720 --> 01:37:58.880 what's going on with your orthodontisky. 1774 01:37:56.000 --> 01:37:56.560 Can you hear me? 1775 01:37:58.119 --> 01:37:58.800 Yes? I can. 1776 01:38:00.600 --> 01:38:05.319 Yes, So my kids they've been seeing doctor Lawson at 1777 01:38:05.439 --> 01:38:11.239 New Early Orthodonics NEO. Yes, yes, I actually heard about 1778 01:38:11.319 --> 01:38:13.279 him on your show, and they've been. 1779 01:38:14.680 --> 01:38:16.039 For a while now. 1780 01:38:16.560 --> 01:38:22.600 But anyhow, he basically with no notice, just closed his practice. 1781 01:38:23.479 --> 01:38:28.079 And both my kids have they have paid in full 1782 01:38:28.159 --> 01:38:32.520 contracts and one of my son is embraces with him, 1783 01:38:32.560 --> 01:38:38.039 and and they just closed. And so I'm not sure, Joy. 1784 01:38:37.960 --> 01:38:41.760 I heard about that. I heard about that. How long 1785 01:38:41.800 --> 01:38:42.960 ago did that happen? 1786 01:38:45.119 --> 01:38:47.199 Him closing? 1787 01:38:47.319 --> 01:38:47.720 Mm hmm. 1788 01:38:49.479 --> 01:38:53.359 I think it's been a couple of months now. They 1789 01:38:53.399 --> 01:38:57.840 had sent Neo had sent out an email referring a 1790 01:38:57.920 --> 01:39:05.439 new orthodonist, although that new Orthodonist did not buy the practice. Therefore, 1791 01:39:05.880 --> 01:39:09.720 if my son wants to be his patient, we have 1792 01:39:09.840 --> 01:39:10.239 to pay. 1793 01:39:10.279 --> 01:39:15.880 Again, let me explain to you. First of all, I 1794 01:39:15.920 --> 01:39:19.359 believe they filed for bankruptcy. I know that doctor Lawson 1795 01:39:19.439 --> 01:39:21.479 has had some health problems. I don't want to get 1796 01:39:21.520 --> 01:39:27.439 too specific. I think this whole thing was unplanned, and 1797 01:39:27.520 --> 01:39:30.840 I think here's the biggest problem you're going to have 1798 01:39:30.920 --> 01:39:36.560 with new early orthodontics. Any oh, is that there aren't 1799 01:39:36.640 --> 01:39:42.279 many dentists who buy that whole program. You know, they 1800 01:39:42.399 --> 01:39:47.279 all do this massive, massive correction. Now I'm telling you something. 1801 01:39:47.399 --> 01:39:52.239 Doctor Lawson, in my opinion, was a genius and he 1802 01:39:52.279 --> 01:39:56.880 did wonderful, wonderful work. But I tell you, I think 1803 01:39:56.920 --> 01:39:59.319 you're going to have a problem finding another dentist that 1804 01:39:59.399 --> 01:40:02.840 even knows the program. Have you been able to find 1805 01:40:02.880 --> 01:40:05.760 one that knows the program? 1806 01:40:06.159 --> 01:40:10.159 I mean, I guess it's no. In fact, my son 1807 01:40:10.279 --> 01:40:14.239 is in braces right now. And part of the problem 1808 01:40:14.319 --> 01:40:15.920 is that he had enough pointment to. 1809 01:40:15.920 --> 01:40:18.479 Go get it. Well, when you say when you say braces, 1810 01:40:18.920 --> 01:40:23.279 when you say braces, are you talking about their form 1811 01:40:23.319 --> 01:40:26.359 of braces or conventional braces? 1812 01:40:26.359 --> 01:40:27.119 Conventional? 1813 01:40:27.359 --> 01:40:28.560 True, doctor Lawson? 1814 01:40:30.239 --> 01:40:33.399 Well that's good then then anyone can take that case over. 1815 01:40:34.399 --> 01:40:37.319 But the money you paid in you need to put 1816 01:40:37.319 --> 01:40:39.000 an acclaim with the bankruptcy court. 1817 01:40:40.920 --> 01:40:43.439 Okay, because I have his his I. 1818 01:40:43.399 --> 01:40:51.720 Gotta take this break hold on go with a sure 1819 01:40:51.840 --> 01:40:55.239 thing Denver's Best roofer excel roofing dot com. You don't 1820 01:40:55.279 --> 01:41:01.319 pay a cent unto your content time for an insurance 1821 01:41:01.399 --> 01:41:05.079 check up free, no obligation in comparison call Compass Insurance. 1822 01:41:05.239 --> 01:41:08.279 Pay too much your coverage at dozens of insurance companies. 1823 01:41:08.359 --> 01:41:10.960 Find out now three oh three seven seven to one help. 1824 01:41:11.119 --> 01:41:13.760 You'll think you're his only customer when you choose Frank 1825 01:41:13.800 --> 01:41:16.279 durand the real estate man dot com to list your 1826 01:41:16.279 --> 01:41:19.479 home with Remax Alliance three oh three nine two zero 1827 01:41:19.560 --> 01:41:26.800 sixteen twenty two. Yeah, ripped off. 1828 01:41:28.439 --> 01:41:30.720 You need advice so. 1829 01:41:30.880 --> 01:41:36.079 You don't have come running as fast as we can. 1830 01:41:37.000 --> 01:41:43.600 Show Shooter's gonna help come MANX is the Troubleshooter Show. 1831 01:41:43.680 --> 01:41:47.520 No Tom Martino, Hey. 1832 01:41:47.439 --> 01:41:50.239 Tom Martino here, Welcome to the show. Three O three 1833 01:41:50.279 --> 01:41:53.520 seven one three talk seven one three eight two five five. 1834 01:41:54.840 --> 01:41:57.000 We left off with Joy. We found out a lot 1835 01:41:57.039 --> 01:42:00.920 more information. Joy was calling because her children were enrolled 1836 01:42:00.960 --> 01:42:06.680 with Neo New Early Orthodontics and doctor Kent Lawson shut 1837 01:42:06.680 --> 01:42:10.720 the doors, they said as a result of unforeseen circumstances. 1838 01:42:11.359 --> 01:42:15.159 I also believe they filed for bankruptcy. I wasn't able 1839 01:42:15.159 --> 01:42:17.399 to confirm that, but I saw some articles that they 1840 01:42:17.439 --> 01:42:20.920 did file for bankruptcy. He had a ton of people 1841 01:42:21.079 --> 01:42:25.840 undergoing treatment. New Early Orthodontics used to take children at 1842 01:42:25.880 --> 01:42:29.479 a very early age and correct their bites and correct 1843 01:42:29.479 --> 01:42:34.079 their teeth in a very novel way, using appliances in 1844 01:42:34.119 --> 01:42:38.000 the mouth that gently moved teeth, and then they would 1845 01:42:38.039 --> 01:42:43.520 only spend a short time in conventional Both of my 1846 01:42:43.720 --> 01:42:50.319 children went through NEO. Both had extraordinary results. The offices 1847 01:42:50.319 --> 01:42:55.960 were always great. Unfortunately the offices closed. We don't know details, 1848 01:42:57.000 --> 01:43:00.840 but we do know they're closed. And they said there 1849 01:43:00.840 --> 01:43:05.399 were two they referred to specific Oh, no, one, it's one. 1850 01:43:05.479 --> 01:43:08.840 They they were, no, there's it's but it's one doctor. 1851 01:43:09.800 --> 01:43:11.560 Both of those practices are the same. 1852 01:43:14.159 --> 01:43:16.520 Yeah, it looks like there are two locations of the same. 1853 01:43:16.680 --> 01:43:17.960 Omar To Orthodontics. 1854 01:43:17.960 --> 01:43:21.720 Omark Orthodontics will actually apply some of the credit you've 1855 01:43:21.760 --> 01:43:25.840 paid in a joy uh if you wanted to check. 1856 01:43:25.920 --> 01:43:27.880 Did you ever check them out on their on the 1857 01:43:27.880 --> 01:43:28.880 website for NEO. 1858 01:43:31.119 --> 01:43:34.439 Yes, I actually went to them because my son needed 1859 01:43:34.439 --> 01:43:39.560 an adjustment. So I went to that that new Orthodonis. 1860 01:43:40.760 --> 01:43:43.640 He saw my son, but to treat. 1861 01:43:43.399 --> 01:43:46.039 Him further, it's upwards. 1862 01:43:46.439 --> 01:43:49.840 It's over one thousand more dollars for him to get through, 1863 01:43:49.920 --> 01:43:52.279 and he needs to get through. And I've already paid 1864 01:43:52.399 --> 01:43:56.159 my contract in Fuld, which you. 1865 01:43:56.159 --> 01:43:59.319 Know on news on news. 1866 01:43:59.439 --> 01:44:01.960 Well, I know you're right, He says, if you have. 1867 01:44:01.960 --> 01:44:05.880 Paid in full, comma nominal fees will apply to continue 1868 01:44:05.960 --> 01:44:08.760 your treatment. So I looked up the definition of the 1869 01:44:08.760 --> 01:44:13.680 word nominal and in the context of very small. 1870 01:44:13.479 --> 01:44:15.399 Far below the real value or cause. 1871 01:44:15.479 --> 01:44:18.840 Did they know that you had paid in full? Oh? 1872 01:44:18.920 --> 01:44:20.880 Yes, I mean I've talked to that. I talked to 1873 01:44:20.920 --> 01:44:25.720 them in depth. Basically he explained to me that they 1874 01:44:25.760 --> 01:44:29.000 did not buy the practice, They just received the clients. 1875 01:44:29.680 --> 01:44:32.279 So of course, of course, you know. 1876 01:44:32.479 --> 01:44:37.000 So it's basically to get what my son needs is 1877 01:44:37.399 --> 01:44:41.319 basically again, what like the contract in full? 1878 01:44:41.560 --> 01:44:44.600 Again that I've already what was your contract? What was 1879 01:44:44.640 --> 01:44:48.000 your contract in full with NEO? How much from beginning to. 1880 01:44:48.079 --> 01:44:55.359 End, well, beginning to end work I would say around 1881 01:44:55.560 --> 01:44:56.239 six grand? 1882 01:44:58.199 --> 01:45:02.520 Around six grand, and you had paid the entire six grand? 1883 01:45:03.800 --> 01:45:04.119 Correct? 1884 01:45:05.840 --> 01:45:09.159 Okay, And now they're telling you this one who took over, 1885 01:45:09.199 --> 01:45:13.960 which I understand as this this person was under no obligation. 1886 01:45:14.520 --> 01:45:18.399 They are continuing care. But what you're saying is is 1887 01:45:18.439 --> 01:45:22.279 that it's going to be an additional one thousand dollars. 1888 01:45:23.560 --> 01:45:27.239 Oh no more than that. I mean, yes, you just 1889 01:45:27.239 --> 01:45:33.560 said one thousand start. It's probably well over one thousand, 1890 01:45:33.640 --> 01:45:37.560 I said, so, it's probably cheaper than starting a brand 1891 01:45:37.600 --> 01:45:42.319 new contract over again. But he still has up over 1892 01:45:42.359 --> 01:45:47.840 one thousand dollars that they quoted me, still needed that 1893 01:45:48.359 --> 01:45:49.119 he'll need done? 1894 01:45:49.159 --> 01:45:52.560 Well, how much two thousand dollars, three thousand dollars. 1895 01:45:52.239 --> 01:45:53.159 For how much? 1896 01:45:53.960 --> 01:45:54.680 How much more? 1897 01:45:54.760 --> 01:46:00.600 Is it probably closer to two grand with the okay, 1898 01:46:00.840 --> 01:46:03.119 and so removing the braces. 1899 01:46:03.319 --> 01:46:06.720 But you're telling me, you're telling me that everything your 1900 01:46:06.760 --> 01:46:14.760 son needed would have been covered had NEO remained open. Correct, Okay, 1901 01:46:14.840 --> 01:46:18.079 So you are really suffering a two thousand dollars loss here. 1902 01:46:18.560 --> 01:46:21.159 I don't know what to tell you. It's really too bad. 1903 01:46:21.560 --> 01:46:26.319 I mean, it really is. I think NEO. I think 1904 01:46:26.359 --> 01:46:29.600 it's been six years. They've been off our referral list 1905 01:46:29.800 --> 01:46:33.119 five or six years. He had some health problems. I 1906 01:46:33.159 --> 01:46:36.960 don't know the full story here. I hope he's doing okay. 1907 01:46:37.359 --> 01:46:41.479 But Joy, you're joining a long list of people who 1908 01:46:41.520 --> 01:46:45.000 are in the middle of treatment. The good news is 1909 01:46:45.159 --> 01:46:48.000 I don't think you can get better treatment. And if 1910 01:46:48.000 --> 01:46:53.399 you continue the program again, unfortunately you have a loss 1911 01:46:53.439 --> 01:46:56.760 of about two grand. You may want to search. 1912 01:46:56.560 --> 01:46:59.960 To see if there's a I have a daughter paid 1913 01:47:00.000 --> 01:47:04.079 I paid in full contract as well. 1914 01:47:04.119 --> 01:47:06.159 Wait a minute, how much is it going to cost 1915 01:47:06.199 --> 01:47:08.560 to continue that one? 1916 01:47:09.000 --> 01:47:09.760 I have no idea. 1917 01:47:09.920 --> 01:47:12.079 I haven't I haven't even gone down the road with 1918 01:47:12.159 --> 01:47:14.720 her yet, because the only reason I went to the 1919 01:47:14.760 --> 01:47:20.760 other Archadonic don this was because they literally closed the 1920 01:47:20.800 --> 01:47:24.920 week I was supposed to get my my son's braces adjusted, 1921 01:47:25.000 --> 01:47:26.399 so I had to go somewhere. 1922 01:47:28.960 --> 01:47:31.039 Now, your daughter, what stage is she in? 1923 01:47:32.520 --> 01:47:38.640 He's in the observation stage, so luckily she's not in braces, 1924 01:47:39.439 --> 01:47:43.800 but she's not completed yet through the program. 1925 01:47:45.000 --> 01:47:46.920 And did you pay for that in full? 1926 01:47:48.279 --> 01:47:48.520 Yes? 1927 01:47:52.199 --> 01:47:54.600 Can I ask you why you paid in full upfront? 1928 01:47:55.039 --> 01:47:58.520 I didn't do that? Well, can you can you tell 1929 01:47:58.560 --> 01:47:59.600 me your reasoning with that? 1930 01:48:01.319 --> 01:48:05.239 Because I just I I mean, this was a long 1931 01:48:05.319 --> 01:48:07.920 time ago that we started this process my. 1932 01:48:07.960 --> 01:48:10.359 Kids, I understand. 1933 01:48:11.079 --> 01:48:14.000 Would would were you given a substantial discount? 1934 01:48:15.760 --> 01:48:18.359 No, I would, Well, you were given a discount, but 1935 01:48:18.439 --> 01:48:20.720 I was making payments on both of them. But I 1936 01:48:20.760 --> 01:48:24.479 fulfilled both contracts. 1937 01:48:24.479 --> 01:48:28.399 Like, Okay, I see what you're saying. No, I see 1938 01:48:28.439 --> 01:48:30.600 what you're no. I know what you're saying. Okay, because 1939 01:48:30.640 --> 01:48:33.399 there is a monthly payment I paid for each child, 1940 01:48:33.800 --> 01:48:35.600 And you're right if you got to the end of it, 1941 01:48:35.680 --> 01:48:38.079 you paid it up, and then there was still treatment 1942 01:48:38.119 --> 01:48:43.119 to be done. That's very unfortunate, very unfortunate. I mean, 1943 01:48:43.159 --> 01:48:45.800 I don't know what to say when when when businesses closed, 1944 01:48:45.840 --> 01:48:48.479 they close, and you know, as long as there's no 1945 01:48:48.600 --> 01:48:51.199 fraud involved, and I don't think there was, and I 1946 01:48:51.239 --> 01:48:54.680 don't know the reason, but perhaps someone if they know. 1947 01:48:55.439 --> 01:48:56.039 Uh. 1948 01:48:56.319 --> 01:48:58.760 In fact, I don't know if I still have his number, 1949 01:48:58.800 --> 01:49:01.479 I might want to try calling him three h three 1950 01:49:01.720 --> 01:49:05.399 oh seven to one three talk. Yes, go ahead. 1951 01:49:06.479 --> 01:49:08.840 When you say I need to get in touch with 1952 01:49:08.880 --> 01:49:12.239 the bankruptcy court, I mean, is that something that I 1953 01:49:12.279 --> 01:49:14.000 should first do or am I just. 1954 01:49:14.119 --> 01:49:14.680 Out of luck? 1955 01:49:17.000 --> 01:49:17.159 Well? 1956 01:49:17.199 --> 01:49:19.720 No, if listen, you're probably out of luck even if 1957 01:49:19.720 --> 01:49:21.600 you do get a hold of a bankruptcy. I don't 1958 01:49:21.600 --> 01:49:25.520 know if they did file. I read somewhere that Neo 1959 01:49:26.800 --> 01:49:33.920 Early Orthodontics filed for bankruptcy, okay, And I don't know 1960 01:49:34.159 --> 01:49:37.720 if that's sure or not. It says here it was Friday, 1961 01:49:37.800 --> 01:49:41.520 January twenty fourth due to UNFOERC certain circumstances. But I 1962 01:49:41.640 --> 01:49:45.640 don't see. But I saw somewhere where they did go 1963 01:49:45.800 --> 01:49:49.880 bankrupt and if they did, then all of the claims. 1964 01:49:51.239 --> 01:49:53.880 All of the claims have to go through the bankruptcy court. 1965 01:49:55.000 --> 01:49:57.439 So if they went bankrupt, let me just see here, 1966 01:49:57.479 --> 01:50:03.760 hold on, I'm trying to find it. I think they filed, 1967 01:50:04.000 --> 01:50:07.560 but you're gonna have to search the bankruptcy records to see. 1968 01:50:08.479 --> 01:50:14.680 Let me see update update here, hold on, local, let's see. 1969 01:50:16.640 --> 01:50:16.920 See. 1970 01:50:16.960 --> 01:50:19.439 And then there's people. There are people. Yeah, you make 1971 01:50:19.479 --> 01:50:22.079 a claim with the bankruptcy court, but there are people 1972 01:50:22.119 --> 01:50:25.800 who claim who are claiming they went to the Attorney 1973 01:50:25.840 --> 01:50:28.720 General's office. I mean, look, if there's nothing you can do, 1974 01:50:30.880 --> 01:50:33.760 they say they're investigating. You know, that's a bunch of crap. 1975 01:50:34.119 --> 01:50:37.680 I doubt anything was done on purpose by this guy, 1976 01:50:38.319 --> 01:50:42.520 and I'm sure we're gonna find out. But anyway, I 1977 01:50:42.640 --> 01:50:46.920 believe they did probably file for bankruptcy, although I can't 1978 01:50:46.960 --> 01:50:49.720 find it live on the air right now. I'm sure 1979 01:50:49.720 --> 01:50:52.800 if you start googling or asking, you're gonna find the 1980 01:50:52.840 --> 01:50:55.359 case and then you just contact the court and put 1981 01:50:55.359 --> 01:50:57.399 in a claim. But I'm gonna be honest with you, 1982 01:50:57.399 --> 01:50:59.520 you're not gonna get it. You're not gonna get paid. 1983 01:51:00.000 --> 01:51:02.319 I mean, there are probably a long line of creditors, 1984 01:51:02.600 --> 01:51:07.279 and in a bankruptcy very seldom are individuals ever satisfied. 1985 01:51:07.840 --> 01:51:12.239 It's just an all around unfortunate circumstance. But if you 1986 01:51:12.359 --> 01:51:15.640 take your total losses, let's say you have to pay 1987 01:51:15.640 --> 01:51:19.000 an extra two grand for your son and an extra 1988 01:51:19.039 --> 01:51:21.600 two grand for your daughter, you're looking at four grand. 1989 01:51:21.840 --> 01:51:25.279 That's your total loss. So I mean, I'm not saying 1990 01:51:25.359 --> 01:51:29.199 be happy with that, but man, it's certainly better that 1991 01:51:29.439 --> 01:51:32.920 at least you got some of the services. But there's 1992 01:51:32.920 --> 01:51:36.960 nothing you can do. Whenever people go out of business 1993 01:51:37.159 --> 01:51:40.720 for a legit reason, there's nothing you can do. That's 1994 01:51:40.800 --> 01:51:48.359 why I always preach, do not pay in advance, do 1995 01:51:48.520 --> 01:51:51.640 not pay more than you need to, don't ever do that. 1996 01:51:52.000 --> 01:51:54.880 And again, what I did was paid monthly payments for 1997 01:51:55.000 --> 01:51:59.359 my kids, and I don't remember me paying in advance. 1998 01:51:59.680 --> 01:52:03.399 I pay eight monthly payments and when they were done, 1999 01:52:03.399 --> 01:52:06.119 I stopped paying the payments. So I'm not sure what 2000 01:52:06.199 --> 01:52:10.159 kind of contract you had. And again, it doesn't matter. 2001 01:52:10.479 --> 01:52:14.399 They're out of business, okay, they're just out of business. 2002 01:52:14.680 --> 01:52:17.279 Three oh three seven one three talks seven one three 2003 01:52:17.359 --> 01:52:20.640 eight two five five. We got more coming up. By 2004 01:52:20.640 --> 01:52:22.359 the way, people are asking how to get a hold 2005 01:52:22.359 --> 01:52:24.920 of Dan mackenzie. I gave that number out. I can 2006 01:52:24.960 --> 01:52:28.000 give it again, Mackenzie. He's a state law he was 2007 01:52:28.039 --> 01:52:37.960 our expert A three three co plans go with a 2008 01:52:38.000 --> 01:52:41.560 sure thing Denver's best roofer Excel Roofing dot com. You 2009 01:52:41.560 --> 01:52:47.319 don't pay a cent until you're content. Time for an 2010 01:52:47.359 --> 01:52:51.000 insurance check up free, no obligation. In comparison, call Compass 2011 01:52:51.039 --> 01:52:54.319 insurance paying too much your coverage at dozens of insurance 2012 01:52:54.359 --> 01:52:56.840 companies find out now three oh three, seven to seven 2013 01:52:56.840 --> 01:52:59.560 to one. Help. You'll think you're his only customer when 2014 01:52:59.600 --> 01:53:02.119 you choose Frank durand the real estate Man dot com 2015 01:53:02.159 --> 01:53:05.279 to list your home with Remax Alliance three all three 2016 01:53:05.359 --> 01:53:12.119 nine two zero sixteen twenty two. Hi Tom Martina here, 2017 01:53:12.159 --> 01:53:14.760 Welcome to the show. We got some follow ups. I'm 2018 01:53:14.800 --> 01:53:18.319 going to take Depfe Dimitri first, speaking of dental. It 2019 01:53:18.399 --> 01:53:21.800 was a dental problem we were talking about, Deputy d 2020 01:53:23.000 --> 01:53:26.319 Let's recap first, as I like to do the original 2021 01:53:26.439 --> 01:53:30.920 problem and it was Stephanie And could you explain what 2022 01:53:30.960 --> 01:53:32.319 the original problem was? 2023 01:53:32.520 --> 01:53:34.600 Yeah, you may recall that Stephanie called us on the 2024 01:53:34.640 --> 01:53:38.840 seventh and she went to a new dental office that 2025 01:53:39.640 --> 01:53:43.560 did some diagnostics and did a whole bunch of work, 2026 01:53:44.319 --> 01:53:48.960 deep cleaning and something else, and Stephanie kind of got 2027 01:53:49.000 --> 01:53:52.359 the suspicion that it was unnecessarily done. So what was 2028 01:53:52.439 --> 01:53:55.680 unnecessarily done, the deep cleaning and something else. 2029 01:53:55.840 --> 01:53:58.279 Yeah, she was very distrustful of the dentist. 2030 01:53:58.359 --> 01:54:02.439 Yeah, she was very, very suspicious. So she got a 2031 01:54:02.520 --> 01:54:03.439 second opinion. 2032 01:54:04.079 --> 01:54:08.520 But and so her main beef was that the Loto 2033 01:54:08.680 --> 01:54:12.439 Dental they offered her free X rays and then they 2034 01:54:12.479 --> 01:54:15.199 diagnosed her with six cavities and gum disease, and she 2035 01:54:15.279 --> 01:54:17.880 got a second opinion which says she did not have 2036 01:54:18.000 --> 01:54:22.439 cavities or gum disease. So basically, she's saying that she 2037 01:54:22.640 --> 01:54:26.479 paid for services that were inadequate because they diagnosed her. 2038 01:54:26.640 --> 01:54:29.119 But what is this six hundred and sixty nine dollars 2039 01:54:29.479 --> 01:54:30.640 she wanted back? 2040 01:54:31.239 --> 01:54:33.840 So that's the that's the portion that she paid for 2041 01:54:33.880 --> 01:54:36.920 the service. Some of it was covered by a dental plan. Wow, 2042 01:54:37.039 --> 01:54:38.439 some of it so. 2043 01:54:38.880 --> 01:54:40.800 Well, I would want my money back too, if, in 2044 01:54:40.880 --> 01:54:43.359 fact I was diagnosed with stuff I didn't have. 2045 01:54:43.760 --> 01:54:46.560 Right, But the question I had for her when I 2046 01:54:46.640 --> 01:54:50.119 spoke with her after her call was in the context 2047 01:54:50.199 --> 01:54:53.319 of this, if you ask two doctors for their opinions 2048 01:54:53.359 --> 01:54:55.479 you're going to get three different opinions, right. 2049 01:54:55.439 --> 01:54:57.680 So cavities are not an opinion. 2050 01:54:57.840 --> 01:54:59.520 Well, in my case they have been. 2051 01:54:59.720 --> 01:55:02.399 So oh wait wait, you mean someone can identify a 2052 01:55:02.439 --> 01:55:04.640 cavity and someone else says it's not a cavity. 2053 01:55:04.680 --> 01:55:05.960 That's right. That happened to me. 2054 01:55:06.319 --> 01:55:10.039 Well, come on, and coincidentala, it was on six of them. 2055 01:55:10.640 --> 01:55:14.600 And so somebody did recommend that I had six cavities filmed. 2056 01:55:14.319 --> 01:55:15.560 And they were not cavities. 2057 01:55:16.079 --> 01:55:19.640 Well, I'm still not sure what they are. But my 2058 01:55:19.720 --> 01:55:23.199 other dentist, whom I've had many years of experience with, 2059 01:55:23.359 --> 01:55:25.680 said no, there are two or three of these that 2060 01:55:25.720 --> 01:55:28.079 we can put some kind of a filler or varnish 2061 01:55:28.119 --> 01:55:30.760 on them. So he says, they're not quite cavities, but 2062 01:55:30.800 --> 01:55:34.920 they will become cavities if you leave them alone. So 2063 01:55:35.560 --> 01:55:37.760 we did that many years ago, and they never turned 2064 01:55:37.760 --> 01:55:40.079 into cavities. And once in a while I have that 2065 01:55:40.199 --> 01:55:42.520 varnish or some kind of a covering on them. Redone. 2066 01:55:42.720 --> 01:55:45.239 But anyway, what Stephanie and I agreed to do was 2067 01:55:45.359 --> 01:55:48.760 that she's actually going to go get a third because 2068 01:55:48.800 --> 01:55:51.000 these two were in conflict. But none of us really 2069 01:55:51.039 --> 01:55:55.039 know which one is more correct than the other. So 2070 01:55:55.800 --> 01:55:58.520 she was planning on that sometime this week or next week. 2071 01:55:58.840 --> 01:56:01.640 But she just texted me a few minutes ago and 2072 01:56:01.680 --> 01:56:04.880 they said that, hey, listen, thanks for your help. Low 2073 01:56:04.920 --> 01:56:07.840 Doo Dental just to agree to refund me my entire 2074 01:56:08.159 --> 01:56:11.079 oh wow service fee. So we don't need to follow 2075 01:56:11.159 --> 01:56:13.119 up on the third opinion. But I have a feeling 2076 01:56:13.159 --> 01:56:15.680 if we got the third opinion, it would have been 2077 01:56:15.680 --> 01:56:17.479 in conflict with the first two anyway. 2078 01:56:18.159 --> 01:56:21.439 I see, I did not realize that dental. I mean, 2079 01:56:21.520 --> 01:56:26.279 cavities are an opinion. For God's sake, it is it. 2080 01:56:26.279 --> 01:56:29.079 It's absolutely and cavity's are holes. 2081 01:56:29.560 --> 01:56:32.920 Well, but the matter is, I think what's an issue 2082 01:56:33.000 --> 01:56:35.680 is the depth of that hole, right, and when it 2083 01:56:35.720 --> 01:56:37.840 needs to be treated, When it needs to be treated 2084 01:56:37.840 --> 01:56:40.119 as a cavity, and when does it need to be treated. 2085 01:56:40.279 --> 01:56:43.319 She's got a full refund. Yeah, so that's pretty darn 2086 01:56:43.399 --> 01:56:45.359 good you did. I don't know if you deserved a 2087 01:56:45.479 --> 01:56:47.720 dinger or just a dinger of destiny. 2088 01:56:47.840 --> 01:56:49.399 I did very little on this matter. 2089 01:56:50.119 --> 01:56:53.359 Yeah, but we'll do the dinger of destiny. Just because 2090 01:56:53.439 --> 01:56:57.159 she contacted us, Deputy Bow has a follow up. Deputy Bo, 2091 01:56:58.119 --> 01:57:00.520 let's just recap this one this one was a biggie. 2092 01:57:01.039 --> 01:57:04.960 Don called in and it's his toes were crooked. He 2093 01:57:05.039 --> 01:57:08.279 went to the Bunyan Cure Little Tin for surgery. The 2094 01:57:08.359 --> 01:57:12.600 condition came back. Now he was not blaming them for 2095 01:57:12.680 --> 01:57:16.960 the Kitshen condition coming back. He simply wanted more treatment 2096 01:57:17.119 --> 01:57:18.560 and they ghosted him. 2097 01:57:19.279 --> 01:57:22.720 Yes, he had the procedure done like I believe, eight 2098 01:57:22.880 --> 01:57:28.039 months ago, and he's a very reasonable person. He spent 2099 01:57:28.119 --> 01:57:33.159 over around twenty five thousand dollars and he just wants 2100 01:57:32.960 --> 01:57:34.720 his Bunyon or. 2101 01:57:34.680 --> 01:57:38.039 His toes straightened out. And they were ghosting him, not 2102 01:57:38.199 --> 01:57:39.199 calling him back. 2103 01:57:40.079 --> 01:57:43.000 And so during the break I made a call around noon, 2104 01:57:43.840 --> 01:57:45.119 I got their answering machine. 2105 01:57:45.119 --> 01:57:47.760 Then after the show, I called again at two o'clock. 2106 01:57:47.600 --> 01:57:51.319 Talked to the receptionist and just told her who we were, 2107 01:57:51.479 --> 01:57:54.199 that we're on the air, and just all we wanted 2108 01:57:54.239 --> 01:57:54.520 to do. 2109 01:57:54.880 --> 01:57:56.560 I don't want his medical history. 2110 01:57:56.600 --> 01:58:01.119 I just want your doctor office to Bunyan Cure, the 2111 01:58:01.199 --> 01:58:04.520 manager to call your patient and just try to get 2112 01:58:04.600 --> 01:58:04.920 him back. 2113 01:58:05.640 --> 01:58:08.239 That's really all we wanted. We're not looking to interfere 2114 01:58:08.279 --> 01:58:10.760 with the care. So what happened at. 2115 01:58:10.600 --> 01:58:15.720 Four o'clock yesterday the doctor called our caller Don and 2116 01:58:15.760 --> 01:58:20.119 he's going in this afternoon to get a reigation. So 2117 01:58:20.239 --> 01:58:23.520 the Troubleshooter Show was able to get this buy mean 2118 01:58:23.680 --> 01:58:25.119 cure offter. 2119 01:58:25.920 --> 01:58:29.640 But that's really good. Now, you know what, Why were 2120 01:58:29.680 --> 01:58:30.560 they ghosts in the guy? 2121 01:58:31.119 --> 01:58:32.560 I don't know. I didn't get this. 2122 01:58:32.640 --> 01:58:34.720 It's not like the guy was blaming them. It wasn't 2123 01:58:34.760 --> 01:58:37.399 like he was looking for anything special. He just wanted 2124 01:58:37.520 --> 01:58:39.039 follow up care. For God's sake. 2125 01:58:39.279 --> 01:58:41.079 If it was me, I would have wanted my twenty 2126 01:58:41.079 --> 01:58:42.359 five thousand dollars back. 2127 01:58:42.880 --> 01:58:45.880 You get your dinger, you get the dinger for that one, 2128 01:58:47.119 --> 01:58:51.039 not the dinger of destiny, but a specific dinger, dinger Dinger. 2129 01:58:51.479 --> 01:58:56.199 So anyway, bottom line is this neo. I'm getting some 2130 01:58:56.319 --> 01:58:59.479 other people who have They were very upset that Neil 2131 01:58:59.560 --> 01:59:02.560 closed because apparently he had a lot of open cases 2132 01:59:02.920 --> 01:59:09.319 with people who paid in advance, very very unfortunate. I 2133 01:59:09.520 --> 01:59:11.840 just I refuse to believe there's any kind of fraud 2134 01:59:11.880 --> 01:59:17.760 at all involved. In fact, yeah, I don't think so 2135 01:59:18.199 --> 01:59:23.359 at all, because if you think about it, yeah, I 2136 01:59:23.439 --> 01:59:26.520 don't know. It just doesn't make sense to me. Why 2137 01:59:26.560 --> 01:59:29.880 would someone open themselves up for that, especially someone who 2138 01:59:29.880 --> 01:59:32.680 had been in business for what forty years? And never 2139 01:59:32.720 --> 01:59:36.640 had a problem so three oh three seven one three 2140 01:59:37.159 --> 01:59:41.479 eight two five five. Remember Genesis Total Exteriors also does 2141 01:59:42.640 --> 01:59:54.560 mold detection and remediation. Genesis Tootalexteriors dot com. Go with 2142 01:59:54.640 --> 01:59:58.199 a sure thing Denver's best roofer Excel Roofing dot com. 2143 01:59:58.239 --> 02:00:04.000 You don't pay a cent until your tenth time for 2144 02:00:04.000 --> 02:00:07.760 an insurance check up, free no obligation comparison call Compass 2145 02:00:07.800 --> 02:00:11.079 Insurance paying too much your coverage at dozens of insurance 2146 02:00:11.119 --> 02:00:14.239 companies find out now three all three seven seven to one. Help. 2147 02:00:14.399 --> 02:00:17.039 You'll think you're his only customer when you choose Frank 2148 02:00:17.079 --> 02:00:19.520 durand the real estate Man dot com to list your 2149 02:00:19.560 --> 02:00:22.680 home with Remax Alliance three oh three nine two zero 2150 02:00:22.840 --> 02:00:32.159 sixteen twenty two. Hi Tom Martine here three oh three 2151 02:00:32.239 --> 02:00:36.239 seven one three talk. Let's talk to Judy with State 2152 02:00:36.319 --> 02:00:45.560 Farm Insurance. What's going on? Judy? Hi there, Hi, what's happening. 2153 02:00:48.279 --> 02:00:50.720 I'm having problem with State Farm and I've heard you 2154 02:00:50.760 --> 02:00:53.319 guys saying that they are the worst, and I totally 2155 02:00:53.319 --> 02:01:00.720 believe you. I had what's the problem on Tucy? I 2156 02:01:00.760 --> 02:01:02.560 had XL come out and clean my gutters out and 2157 02:01:02.560 --> 02:01:05.760 they said I needed a new roof. So Jack from 2158 02:01:06.600 --> 02:01:10.239 XL called my agent and they said that I had 2159 02:01:10.359 --> 02:01:12.439 till the twenty ninth of this month to get the 2160 02:01:13.479 --> 02:01:17.239 gutters cleaned out and the trees trimmed or they will 2161 02:01:17.279 --> 02:01:17.840 cancel me. 2162 02:01:21.840 --> 02:01:25.359 But Judy, I need to know something. Excel Roofing said 2163 02:01:25.439 --> 02:01:28.359 you need a new roof. That doesn't mean insurance pays 2164 02:01:28.399 --> 02:01:32.079 for it unless it was caused by a hailstorm or something. 2165 02:01:32.359 --> 02:01:34.520 So why did they say you need a new roof. 2166 02:01:35.720 --> 02:01:38.319 Because it's missing all kinds of shingles? 2167 02:01:40.000 --> 02:01:43.720 Well, okay, but that's not an ensurable event unless something 2168 02:01:43.840 --> 02:01:45.199 caused it. What caused it? 2169 02:01:46.560 --> 02:01:49.239 Well, I'm thinking maybe the hail of last year. But 2170 02:01:49.600 --> 02:01:51.359 I didn't. I had nobody go up and lost. 2171 02:01:51.479 --> 02:01:53.680 Yeah, but you don't. You don't just get You don't 2172 02:01:53.720 --> 02:01:56.880 just get a new roof. Listen. We are under a 2173 02:01:56.920 --> 02:02:00.680 mistaken impression in Colorado that we don't pay for roofs, 2174 02:02:00.720 --> 02:02:04.720 that they're all insurance claims, and they're not. If a 2175 02:02:04.800 --> 02:02:08.840 roof has missing tiles, if a roof is deteriorating, you 2176 02:02:09.000 --> 02:02:11.960 need to pay for it. You don't. You don't get 2177 02:02:12.000 --> 02:02:15.000 to get an insurance claim. Listen. I don't like State 2178 02:02:15.039 --> 02:02:18.399 Farm and maybe they are screwing you. But unless this 2179 02:02:18.520 --> 02:02:22.800 damage can be pinpointed and tied to an event, you 2180 02:02:22.840 --> 02:02:24.680 don't just get to pick a storm and say I 2181 02:02:24.680 --> 02:02:27.039 think it was this storm. You don't. You don't get 2182 02:02:27.039 --> 02:02:30.720 to do that. You have to have almost certainty that 2183 02:02:30.880 --> 02:02:34.279 a particular storm caused a particular damage. And then the 2184 02:02:34.359 --> 02:02:37.199 question is why didn't you Why didn't you tell them 2185 02:02:37.199 --> 02:02:42.520 before this? So do you know that you guys experienced 2186 02:02:42.520 --> 02:02:45.920 a hailstorm in your neighborhood within the last year, because 2187 02:02:45.960 --> 02:02:48.880 you can't go back more than a year. So in 2188 02:02:48.920 --> 02:02:55.600 the past year, did you have a major hailstorm or windstorm? Yes? 2189 02:02:57.399 --> 02:02:58.279 I couldn't tell you what. 2190 02:02:58.479 --> 02:03:04.520 Okay did it? But okay, but did Excel Roofing say 2191 02:03:04.600 --> 02:03:07.960 you had hell damage? 2192 02:03:08.399 --> 02:03:13.399 Jack didn't say. He just you know, he went up 2193 02:03:13.399 --> 02:03:15.600 there and he took pictures and sent them to me 2194 02:03:16.520 --> 02:03:20.560 and said I definitely need a roof and that every 2195 02:03:20.560 --> 02:03:24.159 time the wind blows, they flap and blow away. 2196 02:03:25.159 --> 02:03:30.640 Right, Judy, that doesn't sound like hail damage to me. 2197 02:03:31.119 --> 02:03:34.079 That sounds like an old roof. How old is your roof? 2198 02:03:36.039 --> 02:03:38.840 I couldn't tell you because my husband passed away three 2199 02:03:38.960 --> 02:03:41.039 years ago and he always handled that stuff. 2200 02:03:43.039 --> 02:03:45.880 Do you have any idea the last time you had 2201 02:03:45.920 --> 02:03:47.439 a roof done, any idea at. 2202 02:03:47.279 --> 02:03:52.960 All, It's probably been at least ten years. 2203 02:03:53.800 --> 02:03:59.039 I'm guesstimating, well, okay, your roof should still be good 2204 02:03:59.079 --> 02:04:02.239 after ten years. You know what, I'm kind of disappointed 2205 02:04:02.680 --> 02:04:05.800 that you didn't get more details from Excel. We really 2206 02:04:05.840 --> 02:04:08.399 need to talk to them. Do you know the person 2207 02:04:08.439 --> 02:04:10.039 that you talk to at Excel Roofing. 2208 02:04:11.520 --> 02:04:13.079 Yes, I do. His name is Jack. 2209 02:04:13.199 --> 02:04:14.279 I think she said Jack. 2210 02:04:15.760 --> 02:04:23.640 Yeah, Jack Barr. I think it is the ar RS. 2211 02:04:24.199 --> 02:04:29.680 We're going to that's good, we're going to talk. Let's 2212 02:04:29.720 --> 02:04:32.720 do this. I want to talk to Excel Roofing. Let's 2213 02:04:32.760 --> 02:04:34.279 try to get them on right now if we can, 2214 02:04:34.680 --> 02:04:37.560 and if we can't, we'll continue this. But my plan 2215 02:04:38.239 --> 02:04:42.199 is to talk to Excel Roofing and find out why 2216 02:04:42.520 --> 02:04:46.039 you need a new roof. Did they say why? Did 2217 02:04:46.079 --> 02:04:48.680 they say you have hail damage? Did they say you 2218 02:04:48.720 --> 02:04:51.239 had wind damage? Did they say anything at all? 2219 02:04:53.199 --> 02:04:56.439 He said it looks like wind has blown the tiles off, 2220 02:04:56.880 --> 02:05:00.159 because he says, okay, some of them are losing and 2221 02:05:00.560 --> 02:05:03.640 they flap in the wind, and we've had horrific wind. 2222 02:05:04.039 --> 02:05:08.079 I live in the city of Sheridan, yeah, but. 2223 02:05:08.399 --> 02:05:12.520 Okay, But unless you had an event like a wind storm, 2224 02:05:13.960 --> 02:05:19.760 wind occasionally blowing tiles off, that's a lack of integrity 2225 02:05:19.840 --> 02:05:24.199 of the roof. Insurance doesn't cover that. Insurance would cover 2226 02:05:24.319 --> 02:05:28.760 a windstorm, a hailstorm. It doesn't. It's not a guarantee. 2227 02:05:29.800 --> 02:05:35.880 Insurance is not a warranty. I mean, you're gonna lose 2228 02:05:35.920 --> 02:05:38.960 tile from time to time, You're gonna lose granules from 2229 02:05:38.960 --> 02:05:41.399 time to time, Your roof is gonna wear out from 2230 02:05:41.439 --> 02:05:44.479 the sun from time to time. But that doesn't mean 2231 02:05:44.960 --> 02:05:48.399 that insurance pays for it. Now here's what I want 2232 02:05:48.399 --> 02:05:50.960 to know. You called about State Farms. So did you 2233 02:05:51.079 --> 02:05:53.199 call them and ask them to inspect your roof? 2234 02:05:56.760 --> 02:06:00.960 Mike told me that they had an adjuster out here earlier, 2235 02:06:01.720 --> 02:06:04.479 and they sent me a letter, supposedly in March. I 2236 02:06:04.520 --> 02:06:07.560 don't remember getting a letter from him. 2237 02:06:07.760 --> 02:06:10.880 He well, what what? Just tell me they rejected your claim. 2238 02:06:11.479 --> 02:06:12.680 They denied your claim. 2239 02:06:14.239 --> 02:06:16.560 He hasn't filed one yet. I don't think. 2240 02:06:18.079 --> 02:06:21.319 Who hasn't filed one. You're the one that files it. 2241 02:06:22.560 --> 02:06:24.399 Well, I asked Mike, I want. 2242 02:06:24.239 --> 02:06:29.760 To help you. Who's Mike? Who's Mike? Judy? Who? No, 2243 02:06:29.880 --> 02:06:33.640 It's okay. I want to help you. Who's Mike State 2244 02:06:33.680 --> 02:06:38.359 Farm Rep. Okay, now that rep does not claim, you're 2245 02:06:38.359 --> 02:06:41.319 the one that files a claim. You have to literally 2246 02:06:41.359 --> 02:06:43.640 file a claim. But you're not going to get covered. 2247 02:06:44.199 --> 02:06:46.199 I think you're gonna have to pay for your roof. 2248 02:06:48.439 --> 02:06:51.039 And Jack said, it's like twenty five thousand dollars. I 2249 02:06:51.079 --> 02:06:52.399 don't have that kind of money. 2250 02:06:52.680 --> 02:06:53.000 I don't. 2251 02:06:53.279 --> 02:06:53.920 I barely have. 2252 02:06:54.119 --> 02:06:56.279 I think I have six hundred dollars to my name. 2253 02:06:58.680 --> 02:07:00.760 Okay, is your house paid for? 2254 02:07:02.199 --> 02:07:05.239 Yes, it has been since nineteen ninety five. I've lived 2255 02:07:05.239 --> 02:07:05.760 here since. 2256 02:07:05.840 --> 02:07:06.520 That's wonderful. 2257 02:07:07.560 --> 02:07:09.159 January sixty seven. 2258 02:07:10.439 --> 02:07:14.520 Judy, I'm gonna we're gonna here's what we'll do. First, 2259 02:07:14.520 --> 02:07:17.159 We'll contact Excel to see if we can make it 2260 02:07:17.239 --> 02:07:23.439 a storm claim. If not, you then don't replace it. 2261 02:07:24.119 --> 02:07:28.079 But here's what's gonna happen. If you do get a hailstorm, 2262 02:07:28.439 --> 02:07:31.560 they're gonna claim your roof needed to be replaced beforehand, 2263 02:07:31.960 --> 02:07:34.560 and they're not going to pay for it anyway. So 2264 02:07:35.199 --> 02:07:38.119 we have a situation here. We could have a situation 2265 02:07:38.279 --> 02:07:41.840 here where if you don't pay for that roof, it's 2266 02:07:41.920 --> 02:07:48.159 never gonna get done. Now, are you getting any leaks? 2267 02:07:48.520 --> 02:07:51.720 I have one in my bedroom. 2268 02:07:52.159 --> 02:07:56.479 What you need to do is call Excel and see 2269 02:07:56.520 --> 02:08:00.039 if they'll at least do some repairs for you so 2270 02:08:00.119 --> 02:08:05.119 you don't have to redo your whole roof and if 2271 02:08:05.119 --> 02:08:11.159 they can at least repair the roof. And you have 2272 02:08:11.279 --> 02:08:14.319 no money. So how are you getting along? Rite? Your 2273 02:08:14.399 --> 02:08:18.079 husband died when Judy three years. 2274 02:08:17.840 --> 02:08:20.000 Ago in May. 2275 02:08:20.319 --> 02:08:23.520 I'm so sorry. How have you been getting along since? 2276 02:08:23.560 --> 02:08:25.000 Are you on Social Security? 2277 02:08:26.479 --> 02:08:26.840 Yeah? 2278 02:08:26.880 --> 02:08:30.720 And I get a portion of his pension, but it 2279 02:08:30.760 --> 02:08:34.199 doesn't go you know, It's like I get like, what 2280 02:08:34.359 --> 02:08:40.520 is it nineteen hundred dollars a month and I'm paying? 2281 02:08:40.600 --> 02:08:49.239 So did State did State Farm actually turn you down? Well? 2282 02:08:49.279 --> 02:08:52.039 I wanted to talk to Mike about that, and he 2283 02:08:52.119 --> 02:08:55.119 didn't have excuse my expression, balls enough to call me back, 2284 02:08:55.159 --> 02:08:56.880 so he sent his assistant to call me. 2285 02:08:57.720 --> 02:08:59.880 And she and what did the assistant say? 2286 02:09:01.039 --> 02:09:03.119 She said that it needed to be done, and I 2287 02:09:03.159 --> 02:09:06.319 had every right to cancel if the insurance policy if 2288 02:09:06.359 --> 02:09:07.800 I wanted to go with somebody else. 2289 02:09:10.000 --> 02:09:12.000 Well, when she said it needed to be done, did 2290 02:09:12.039 --> 02:09:13.439 she say they would pay for it? 2291 02:09:14.960 --> 02:09:19.119 Well, according to him, no, she didn't tell me anything. 2292 02:09:19.359 --> 02:09:23.039 Jack was told by Mike that the most they could 2293 02:09:23.039 --> 02:09:25.319 go would be six thousand. 2294 02:09:26.399 --> 02:09:30.159 Well why I don't understand that. Why did they say 2295 02:09:30.199 --> 02:09:32.119 they would pay six thousand? 2296 02:09:32.760 --> 02:09:35.000 I don't understand any part of this, to tell you 2297 02:09:35.079 --> 02:09:35.520 the truth. 2298 02:09:37.600 --> 02:09:40.720 Maybe that's what they see in repairs that they're responsible 2299 02:09:40.760 --> 02:09:43.560 for due to some of that wind. But they're saying 2300 02:09:43.560 --> 02:09:46.800 they're not responsible for the whole roof. We're going to 2301 02:09:46.840 --> 02:09:49.520 have to investigate this for you. Okay, who wants to 2302 02:09:49.560 --> 02:09:51.560 help this lovely lady out? 2303 02:09:52.680 --> 02:09:53.960 I know about State Farm? 2304 02:09:54.119 --> 02:09:57.039 Okay, but it's not But don't say you know about 2305 02:09:57.039 --> 02:09:59.399 State Farm because it may not be their problem. I mean, 2306 02:09:59.399 --> 02:10:01.680 look at I'm not looking to give them a pass, 2307 02:10:02.119 --> 02:10:05.159 but if this woman has a deteriorating roof, it's not 2308 02:10:05.199 --> 02:10:10.479 an insurance event. We are blinded in Colorado. We believe 2309 02:10:10.560 --> 02:10:13.760 that roofs should be paid by insurance companies, and it's 2310 02:10:13.800 --> 02:10:15.560 not true roofs wear out. 2311 02:10:15.760 --> 02:10:17.880 But Tom, when you agree that she needs to get 2312 02:10:17.880 --> 02:10:19.680 the adjuster out to look at it. 2313 02:10:19.800 --> 02:10:22.039 Of course, but he's been out there and said they'll 2314 02:10:22.039 --> 02:10:25.520 pay six grand. So what I think is I think 2315 02:10:25.600 --> 02:10:29.960 the adjuster saw some tiles missing from wind and said, okay, 2316 02:10:30.199 --> 02:10:33.800 we'll pay for those repairs. I'm not sure. First, what 2317 02:10:33.880 --> 02:10:36.399 we have to do is get Jack on from Excel 2318 02:10:36.479 --> 02:10:39.159 Roofing to address this if you can help us arrange 2319 02:10:39.199 --> 02:10:42.720 that book. Got Henry Henry on right now? Okay, does 2320 02:10:42.760 --> 02:10:45.840 Henry know about this case? I need to get a 2321 02:10:45.840 --> 02:10:49.840 few more bits of information, but he will well do 2322 02:10:50.000 --> 02:10:53.119 that for me. Oh, he can address this case specifically. 2323 02:10:53.319 --> 02:10:56.520 Look at Excel Roofing did nothing wrong except cleaner gutters 2324 02:10:56.560 --> 02:10:58.479 and say you need a new roof. What I want 2325 02:10:58.520 --> 02:11:00.560 to know is have they determined the cause of the 2326 02:11:00.600 --> 02:11:03.199 news roof the extent of the new roof? Will six 2327 02:11:03.239 --> 02:11:06.079 thousand dollars at least make the repair she needs so 2328 02:11:06.119 --> 02:11:08.680 she doesn't have leaks. We need to help this woman 2329 02:11:08.880 --> 02:11:13.920 because she doesn't have forty grand or twenty five grand? Yes, 2330 02:11:13.960 --> 02:11:14.359 go ahead. 2331 02:11:14.359 --> 02:11:15.279 Did she get a heat lock? 2332 02:11:15.560 --> 02:11:18.199 I mean she's been there since ninety seven. I'm sure 2333 02:11:18.199 --> 02:11:20.600 the house has increased traumatically and she. 2334 02:11:20.600 --> 02:11:22.520 Can Okay, she might be able to get a hea locked, 2335 02:11:22.520 --> 02:11:25.960 but she has no income. She has no income. 2336 02:11:26.239 --> 02:11:26.439 Time. 2337 02:11:26.479 --> 02:11:29.239 I think there's a more urgent matter because Judy mentioned 2338 02:11:29.239 --> 02:11:31.840 at the beginning of her phone call that State Farm 2339 02:11:31.920 --> 02:11:34.760 is about to cancel her if she doesn't do certain 2340 02:11:34.800 --> 02:11:35.479 maintenance work. 2341 02:11:35.520 --> 02:11:35.920 Is that right? 2342 02:11:36.000 --> 02:11:44.520 Judy, Judy, I don't know what happened at Judy. Did 2343 02:11:44.840 --> 02:11:47.399 they say that you have to do certain things before 2344 02:11:47.439 --> 02:11:49.880 they'll cover you? Did they say they were going to 2345 02:11:49.960 --> 02:11:50.880 cancel you, Judy? 2346 02:11:52.439 --> 02:11:55.079 They said if I didn't get the trees trimmed and 2347 02:11:55.119 --> 02:11:59.479 the gutters cleaned, which I have done, they would cancel 2348 02:11:59.560 --> 02:12:00.920 me on my ninth. 2349 02:12:02.800 --> 02:12:07.920 Okay, so did you get your trees trimmed? No? 2350 02:12:08.039 --> 02:12:10.560 I haven't been able to find anybody. They won't return 2351 02:12:10.640 --> 02:12:11.520 my calls. 2352 02:12:12.640 --> 02:12:15.039 Who won't return your calls? 2353 02:12:15.239 --> 02:12:15.439 Well? 2354 02:12:15.479 --> 02:12:20.119 I had Cambyan, Yeah, I had Cambyan Arbors do it 2355 02:12:20.199 --> 02:12:22.319 last year, and she. 2356 02:12:22.239 --> 02:12:24.439 Has Do you have let me ask you something? You 2357 02:12:24.479 --> 02:12:27.840 say you do you have any spare money at all 2358 02:12:28.000 --> 02:12:30.720 for repairs you're gonna need around your house? 2359 02:12:32.399 --> 02:12:37.000 I have six hundred dollars in savings towards my remainder 2360 02:12:37.039 --> 02:12:40.000 of my property tax. I owe a thousand dollars on 2361 02:12:40.119 --> 02:12:42.800 that in June, and I have six hundred dollars. I 2362 02:12:42.880 --> 02:12:50.840 got to come up with another four hundred, Judy, doccad do. 2363 02:12:50.800 --> 02:12:54.800 You understand though owning a How old are you right now? Judy? 2364 02:12:56.039 --> 02:12:56.399 Eighty? 2365 02:12:58.439 --> 02:13:01.119 I hope you lived many many years and I want 2366 02:13:01.159 --> 02:13:05.000 to help you, But you're going, but coming up? Who 2367 02:13:05.039 --> 02:13:07.760 knows what if something goes wrong in your home you 2368 02:13:07.800 --> 02:13:13.319 don't have the money to pay for it. Well, Judy, 2369 02:13:13.800 --> 02:13:16.640 hang on because I'm going to make a suggestion. I 2370 02:13:16.680 --> 02:13:20.720 think that applies in your case and very few, very 2371 02:13:20.760 --> 02:13:23.840 few cases where it actually applies, So hold on. We'll 2372 02:13:23.880 --> 02:13:26.840 also talk to Henriette excel Roofing more right after this