Speaker 1: Yeah, ripped of mad news, need advice, so.
Speaker 2: You don't have.
Speaker 3: Come running.
Speaker 4: Just as fast as we can.
Speaker 5: Shooter's gonna help come man Dix.
Speaker 4: He is the Troubleshooter Show. Now Tom Martino.
Speaker 6: Hello, Tom Martino here, Welcome to the show. Three oh
Speaker 6: three seven one three talk three oh three seven one
Speaker 6: three eight two five five.
Speaker 1: Helping you solve problems, answer question, take a please make
Speaker 1: your life.
Speaker 6: A little easier, and we are doing it now. I'll
Speaker 6: be bringing uh Mark up in a minute here on
Speaker 6: his uh on his cam. I gotta send him a link.
Speaker 6: I haven't done that yet, so I will do that
Speaker 6: for sure, and uh doing that right now, by the way.
Speaker 1: That's for those streaming. Welcome.
Speaker 6: But we're on k h ow and care do you
Speaker 6: in Colorado Springs and we are all over the place
Speaker 6: with you, and thanks for being here.
Speaker 1: Let's just go to the phones and try to answer
Speaker 1: every question you have. But there's a.
Speaker 6: Lot in the news today that I really want to
Speaker 6: talk about because it's very important right now, and it
Speaker 6: has to do with overreactions and trusts and all kinds
Speaker 6: of crap. People are so overreacting to things being done
Speaker 6: by the government, and it's natural people. When I say people,
Speaker 6: I'm talking about those opposed to Trump's guidelines. Anyone who's
Speaker 6: in favor of it says it's wonderful. It's interesting to
Speaker 6: note I'm not talking about this as a political entity.
Speaker 6: Although Martin may want to chime in, he always does,
Speaker 6: But I'm talking about approval ratings alone show that He's
Speaker 6: entering the office with one of the highest approval ratings
Speaker 6: of any president. Biden left with the lowest approval weighting
Speaker 6: of any president. What do you think was so terrible?
Speaker 6: I think prices. It comes right down to prices. I mean, god,
Speaker 6: people are just we're so pissed at prices. But according
Speaker 6: to a national survey, and this is very important, these
Speaker 6: surveys are pretty damn accurate. What do you think was
Speaker 6: the main issue or the main issue they want Trump
Speaker 6: to address?
Speaker 1: The border?
Speaker 6: What's that? Actually, it's not according to this survey. What
Speaker 6: is the survey? And I always ask to is it
Speaker 6: an MSNBC survey? No, Mark, Mark, It's called Morning consult
Speaker 6: And truly, let me say this, I have followed this
Speaker 6: for a long time and they do surveys every day.
Speaker 6: They do for industry, for health, for politics, for trends
Speaker 6: for brands.
Speaker 1: It's a very very reliable source.
Speaker 6: Now, I will tell you at times I didn't agree
Speaker 6: with their what they say, but they truly do have
Speaker 6: a scientific method.
Speaker 1: So it's Bloomberg polling.
Speaker 6: I I don't know if they're influenced by Bloomberg Morning Consult.
Speaker 6: I I don't know what what did you google it?
Speaker 7: Yeah, it comes up Bloomberg slash Morning consolet polls?
Speaker 6: Okay, Well do you and you think Bloomberg is a
Speaker 6: flaming liberal and therefore he's going to skew all of
Speaker 6: the polls?
Speaker 1: Is that right? I would say there's definitely I don't know.
Speaker 1: I mean, I'm asking Mark. I mean, there's.
Speaker 6: Definitely going to be put it this way. It wouldn't
Speaker 6: be strange, would it. It wouldn't be strange if people
Speaker 6: are skewed. But I I personally, I personally have found
Speaker 6: them to be okay.
Speaker 1: But but then again, listen, you know, uh what do
Speaker 1: I know?
Speaker 6: I mean, I didn't take the poll, but I've been
Speaker 6: following them for a long time. There were a couple
Speaker 6: times I said, well, I don't get this. According to
Speaker 6: Morning Consult, the Trump voters, now Trump voters, these are
Speaker 6: not are Actually I shouldn't say that. It's percentage of voters,
Speaker 6: not Trump voters. Percentage of voters say right now what
Speaker 6: they want him to do in office right now is
Speaker 6: bring down the cost of goods seventy nine percent, bring
Speaker 6: down the cost of goods. Seventy three percent say make
Speaker 6: healthcare more affordable than mark number three, fifty two percent,
Speaker 6: stop illegal immigration.
Speaker 1: So what do you think happens? Just I want to
Speaker 1: ask you this.
Speaker 7: So someone is pulling people and they call up a
Speaker 7: true Trumper, a Trump supporter fifty one percent of the
Speaker 7: company or the country, and.
Speaker 1: They asked that question.
Speaker 7: I have no idea how they you know, worded the question,
Speaker 7: but however they asked, it's fine. Do you think they're
Speaker 7: gonna say the honest truth of what they're thinking? Do
Speaker 7: you think they want to be called a racist by
Speaker 7: saying the borders? Number one, I just don't trust any
Speaker 7: of these polls.
Speaker 6: Well, obviously polls crap in, crap out, but just so
Speaker 6: you know, they have when they take polls, they do
Speaker 6: have a way to look at a median and what's
Speaker 6: called the thread of truth.
Speaker 1: You know, I've often said we'll search.
Speaker 7: Then how come every single poll was wrong on the
Speaker 7: outcome of the election, every swing state poll, every national poll.
Speaker 1: Why was that? Mark?
Speaker 6: I am not talking about political polls. I'm talking about
Speaker 6: polling in general. Okay, in general, there's something called the
Speaker 6: thread of truth that if you talk to enough people,
Speaker 6: no matter how much they try to BSU, there's always
Speaker 6: a central or common line of truth a majority report. Now,
Speaker 6: whether or not the people who gather these polls want
Speaker 6: to interpret that and give a comment is one thing. Definitely.
Speaker 6: I believe polls can be skewed. The way you ask
Speaker 6: questions can be skewed. The report results and can be skewed.
Speaker 6: They can be I'm not doubting that, And lately a
Speaker 6: lot of political polls.
Speaker 1: Have been dead wrong.
Speaker 6: So I think on this most recent election, for example,
Speaker 6: they showed such a tight race, My god. So in
Speaker 6: that case, I do believe people don't want to tell
Speaker 6: polsters the truth. They're pissed off at polsters and they
Speaker 6: kind of think you don't really want to hear the
Speaker 6: truth anyway, And I think they relish and they're happily
Speaker 6: giving false information. Again, that could happen. All I'm doing
Speaker 6: is giving the results. I think this is pretty credible.
Speaker 6: Bringing down the cost of goods and services number one,
Speaker 6: I think that's probably accurate. Number three being stopping illegal immigration.
Speaker 6: I think that's pretty accurate. Making healthcare affordable, I'm not
Speaker 6: sure that. I mean, they're saying it's right behind bringing
Speaker 6: down inflation. Now, there are a lot of people who
Speaker 6: are struggling with health care. I mean, to them, having
Speaker 6: a so called affordable health care is not affordable at all.
Speaker 1: It was, It's ludicrous.
Speaker 6: They subsidize a lot of plans, but most of them.
Speaker 6: If you have any kind of a job, you're going
Speaker 6: to have a six thousand dollars deductible It may it
Speaker 6: may as well be one hundred thousand. I mean, if
Speaker 6: a kid breaks his arm and he's working, is he
Speaker 6: going to come up with six thousand dollars? So I
Speaker 6: don't mean working, because that would be workers combat anyway. So,
Speaker 6: reducing the federal deficit, the budget deficit, A lot of
Speaker 6: people that that's right behind stopping illegal immigration one percent
Speaker 6: behind reducing the federal budget deficit.
Speaker 1: A lot of.
Speaker 6: People misinterpret national debt with budget deficit two different things.
Speaker 6: But you would be shocked at how many so called
Speaker 6: intelligent people consider them one and the same. A national
Speaker 6: debt is an accumulation of debt we have from notes
Speaker 6: and from deficits over the years, and that national debt
Speaker 6: will never be paid off ever. In fact, it grows
Speaker 6: every year from every administration, and it will never be
Speaker 6: paid off. In fact, a lot of the debt is
Speaker 6: paid to foreign entities. It will never ever ever be
Speaker 6: paid off, and for a large part of life, it's artificial.
Speaker 6: I could get into that, but I don't want to.
Speaker 6: No one's expecting it to be paid back. Everyone likes
Speaker 6: the interest, and really it is a way of the world.
Speaker 6: In fact, I don't want to get into it. But anyway,
Speaker 6: reducing the deficit, though, simply means the money you take in,
Speaker 6: you spend, and you don't accumulate debt you don't have,
Speaker 6: you don't spend more than your taking in. And the
Speaker 6: Trump administration is really trying to do that. I mean,
Speaker 6: they're offering severance packages to federal workers they don't want
Speaker 6: around anymore. They've stopped a lot of ridiculous fundings until
Speaker 6: they can reevaluate them.
Speaker 1: You know what's really funny.
Speaker 6: People say they want to reduce debt, they want to
Speaker 6: reduce deficit spending, and as soon As he starts questioning
Speaker 6: these these grants and these charitable giveaways and these federal
Speaker 6: government fundings, everyone comes on glued. But think about it,
Speaker 6: they all got their money for this year. He's just saying,
Speaker 6: do we want to continue this in the future. People
Speaker 6: just go crazy. But anyway, you want to talk about
Speaker 6: true inflation ending, that's what it is. The next thing,
Speaker 6: countering the influence of foreign advertisers adversaries. I don't understand
Speaker 6: that that's forty eight percent. They want to counter the
Speaker 6: influence such as TikTok and others who they believe are
Speaker 6: hurting this country and trying to undermine and take over
Speaker 6: the country, mainly online and through social media. By the way,
Speaker 6: stopping illegal immigration was fifty two percent of the electorate.
Speaker 6: Now what's funny is forty two ten percent less but
Speaker 6: still high on the docket.
Speaker 1: They want to deport them.
Speaker 6: See a lot of people want to stop the influx,
Speaker 6: but don't necessarily want to deport. Now, reducing the number
Speaker 6: of illegal ascuse me of legal immigrants even that's up
Speaker 6: around thirty nine percent, So they don't even want to
Speaker 6: They want to stop illegal immigration. They want to deport
Speaker 6: illegal citizens or whatever you call it undocumented citizens, illegal immigrants.
Speaker 6: Then they even want to reduce the number of legal
Speaker 6: immigrants you let in. Now, I don't know why. I mean,
Speaker 6: I think the country runs fine with immigrants. I think
Speaker 6: it's the criminals and the cheaters and the liars that
Speaker 6: make it bad for everyone. But if there was a
Speaker 6: legal path to citizens ship for hard working people that
Speaker 6: fill jobs that a lot of Americans don't want, I
Speaker 6: think there's nothing wrong with it.
Speaker 7: So all those people that waited in line and did
Speaker 7: it the right way for five, seven, ten years forget
Speaker 7: about it, right, What did you.
Speaker 1: Just hear me say?
Speaker 6: I just said, I think if someone is here legally
Speaker 6: and wants to be a citizen, there's nothing wrong with that,
Speaker 6: if they're hardworking people.
Speaker 1: So how does that How is that at odds with
Speaker 1: what you just said?
Speaker 7: Because people fill out paperwork, come here legally, come here
Speaker 7: on a work visa, come here to do something, not
Speaker 7: just cross the border illegally and you know, get a
Speaker 7: free hotel and a bus ride somewhere back in the
Speaker 7: day at least.
Speaker 6: Well, all I'm saying is the people who are here
Speaker 6: working hard, not criminals, and want a path to citizenship
Speaker 6: should be given one don't what's wrong with that?
Speaker 1: I mean not everyone.
Speaker 7: No, you don't want that invites everybody in the world
Speaker 7: to come here and cross the border without filling out.
Speaker 1: I'm talking about work. I'm talking about from here.
Speaker 6: I'm talking about the situation that we were dealt. I'm
Speaker 6: not talking about inviting people to come illegally and then
Speaker 6: becoming a citizen. I'm not talking about that. Don't put
Speaker 6: words in my mouth. I'm saying dealing with the current situation.
Speaker 6: If there are people that should be deported, to port them.
Speaker 6: If there are people who want to work hard, have
Speaker 6: a family, and are doing no crime, contributing to Social Security,
Speaker 6: paying their taxes, and if they're living legally except for
Speaker 6: the entry, and they want to path to citizenship, I
Speaker 6: don't see a harm in giving it to them. I'm
Speaker 6: not saying that they get priority over anyone else. I
Speaker 6: mean that may be a path I'm talking about. There
Speaker 6: are good people in that massive illegal.
Speaker 7: Agreed military service, a good background check, four years in
Speaker 7: the military, then carve them a pathway.
Speaker 6: Now, as far as foreign aid, a lot of people
Speaker 6: wanted to a thirty five percent, not a lot. Thirty
Speaker 6: five percent want to stop foreign aid extended tax cuts.
Speaker 6: Twenty nine percent want more tax cuts for corporations, regulating
Speaker 6: tech companies twenty six percent. Tariffs twenty three percent are
Speaker 6: in favor of tariffs and expanding the United States through
Speaker 6: any means possible sixteen percent. Now that's because of the
Speaker 6: recent talk with you know, the recent talk with you know,
Speaker 6: the Icelanders or whatever. So welcome to the show. People,
Speaker 6: don't I don't mean to. I just think it's good
Speaker 6: to see what's on people's minds. I got to take
Speaker 6: a break, and then we're going to go to David.
Speaker 6: He has a problem with Lodge Casino, and then anyone
Speaker 6: else who has a call three oh three seven one
Speaker 6: three talk three oh three seven one three eight two
Speaker 6: five five.
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Speaker 1: Hi Tom Martino here three all three seven one three
Speaker 1: talk three all three seven one three eight two five five.
Speaker 6: Welcome to the show, folks. What's going on? Let's go
Speaker 6: back to the phones and do what we can do
Speaker 6: for you. David, what's going on with you?
Speaker 1: David?
Speaker 2: Oh?
Speaker 5: Hi Tom, thanks for taking my call.
Speaker 1: Hey man, what's happened in you know?
Speaker 5: I wanted to let you know that I'm a gambler,
Speaker 5: and I like going to Blackhawk and going to the casinos,
Speaker 5: driving up there, eating at the restaurants, playing slots, playing
Speaker 5: video poker.
Speaker 8: For me, it's a good time.
Speaker 1: Yeah. I had a lot of people like it.
Speaker 9: Oh yeah.
Speaker 5: So one of the places I really liked was the
Speaker 5: Lodge Casino. I like the restaurants there, I like the
Speaker 5: promotions they did, I like the people that I met there.
Speaker 5: So I decided to play a lot more there to
Speaker 5: try to get to what they call a VIP card
Speaker 5: level in their players Club. So I had to play
Speaker 5: about sixteen thousand coin through and I was successful. I
Speaker 5: got a call from a host at their Players Club saying, Hey,
Speaker 5: come on in, we'll tell you about your benefits. You
Speaker 5: get freeplay, you get special drawing sports tickets. The day
Speaker 5: I went up there, though, I went to get my
Speaker 5: new card. I was at the front desk and a
Speaker 5: gentleman by the name of Ben White, who was a
Speaker 5: general manager, approached me and he had his head of
Speaker 5: security and three other gentlemen. They surrounded me and they
Speaker 5: said you are here.
Speaker 1: By they surrounded you. Were you with Mark Major?
Speaker 5: I don't know who he is.
Speaker 1: From a major. Mark Major my co host here. No,
Speaker 1: I wasn't. It was a joke.
Speaker 6: It was a joke, and it goes way piss an
Speaker 6: inside joke anyway, Okay, keep going.
Speaker 5: So he he came and just said you and gave
Speaker 5: me a trashpass letter that said this is a formal
Speaker 5: notice that you can no longer come on our property.
Speaker 1: And oh my god, they're kicking you out.
Speaker 5: Yes, they kicked me out, and they I have never
Speaker 5: had they They do not like me for some reason
Speaker 5: for sure.
Speaker 6: And wait a minute, did this come out of the blue?
Speaker 6: Bro out of the blue?
Speaker 10: Out of the blue?
Speaker 5: I have never had an issue with being talked to
Speaker 5: from anybody at the Lodge or any other casino. That's
Speaker 5: just what it is. I was actually going up there
Speaker 5: expecting to talk to a host to explain some of
Speaker 5: my benefits. But he did said I asked, you know,
Speaker 5: why is this curring? Says you just leaved. Need to
Speaker 5: leave immediately or you will face arrest, which I did.
Speaker 5: I left that night. About a month later, I emailed
Speaker 5: Ben White, the manager, and said, why was I kicked out?
Speaker 5: I mean, I had spent a lot of money to
Speaker 5: get attain this level, and he says, you are an
Speaker 5: advantage player, and I don't know what that means.
Speaker 8: It's me.
Speaker 5: It just seems like the unity word say you're a
Speaker 5: bad person, and I feel like I play a lot
Speaker 5: of video poker where the casino doesn't make a lot
Speaker 5: of money as much money, and they said, well, this
Speaker 5: guy just got a VIP card level. I don't want
Speaker 5: to give him the free buffet there preplay, so they just.
Speaker 1: I wonder if Mark, Mark, are you listening to this?
Speaker 8: Yeah?
Speaker 1: Mark, okay, So hold on, both Mark and Dimitri. You
Speaker 1: guys go up there. What do you think?
Speaker 3: Well, I don't go up there. I haven't been there
Speaker 3: since they first opened the casinos. But I know what
Speaker 3: an advantage player means, and that is somebody who is
Speaker 3: suspected of using some sort of a system, not cheating,
Speaker 3: and the perfectly legal system to increase their advantage. So,
Speaker 3: for example, card counting would be one of those that
Speaker 3: would be considered an advantage advantage player, so the law.
Speaker 3: But the casinos don't want people.
Speaker 6: Like that, so they can basically say, get the hell out.
Speaker 5: Tom, I've been playing there for ten years. They could
Speaker 5: have said that at any time or told me not
Speaker 5: to do it. What I was playing is a game
Speaker 5: called Ultimate X video poker, and video poker has an
Speaker 5: advantage for the casino. There's no way I can I
Speaker 5: can beat that. I mean you could go up there
Speaker 5: and sit on it and play it and again.
Speaker 6: Okay, so why do you let me just ask you?
Speaker 6: Why do you think they kicked you out?
Speaker 1: Man? Bottom?
Speaker 8: Though?
Speaker 5: In January, I was playing a game called Ultimate X
Speaker 5: where you play twice amount of coin and if you
Speaker 5: get a good hand, you get a multiplier for the
Speaker 5: next one. So I got delta flush, which means on
Speaker 5: the next hand, I get an eight times multiplier on
Speaker 5: ten different rows, and just luckily I got dealt like.
Speaker 9: Four of a kind.
Speaker 5: So I won like seventy five hundred dollars on a
Speaker 5: video poker machine and that's normally unheard of.
Speaker 1: It was a really good hit.
Speaker 5: So I feel like they're holding that against me, saying, ah,
Speaker 5: you won money against us, but it was just pure
Speaker 5: luck in random.
Speaker 1: Mark, Do you think Mark? Does this sound right to you?
Speaker 11: Man?
Speaker 1: Mark? Man like that they would kick him out for winning? Yeah? Sure,
Speaker 1: if he's cheating this, I think he was cheating. How
Speaker 1: much did you win, David? I'll just back off now.
Speaker 5: It was like around eight thousand because it was a
Speaker 5: ten play. But then I looked at what I've won
Speaker 5: for the rest of the year between the two properties.
Speaker 5: They also own the guilt then, and it shows I've
Speaker 5: only lost. I ended up a net winning of like
Speaker 5: six thousand, so I lost three thousand dollars up that
Speaker 5: one big win.
Speaker 1: Mark.
Speaker 6: I don't want you to back off, because Mark does
Speaker 6: probably more gambling than any of us, and I don't
Speaker 6: mean that in a reckless way.
Speaker 1: But what do you think is going on? Mark?
Speaker 7: I think he was playing something else, either blackjack or
Speaker 7: some kind of table game at some point, and he
Speaker 7: was either counting the shuffle, counting the cards, something along that.
Speaker 7: I find it almost impossible that they did this because
Speaker 7: of video poker, literally impossible.
Speaker 5: It was video poker.
Speaker 10: I do not play.
Speaker 5: I don't don't know what you're talking about. On the
Speaker 5: on the other table games, it was video poker, and
Speaker 5: I hauled in.
Speaker 7: I don't know what to say. Man, they have the
Speaker 7: right to you, but I've never heard of anybody taking
Speaker 7: advantage of a video poker machine. Never heard it. It's
Speaker 7: like taking advantage of a slot machine.
Speaker 6: Did they ever give you a reason, an official reason?
Speaker 5: Yes, he said I was an advantage player in an email,
Speaker 5: but I was never spoken to in the ten years.
Speaker 5: And I also play video poker at all the other
Speaker 5: ones like Monarch, Amrastar, Horseshoe, everything next Door. They all
Speaker 5: offer this video poker variant.
Speaker 1: So can you still go to all the other casinos?
Speaker 5: Yes, every other casino in Blackhawk and Central City.
Speaker 7: Look a private invocation. They can kick them out for
Speaker 7: any reason they want, except for certain things like color.
Speaker 1: Right, or you know why, or whatever's covered by the law.
Speaker 5: If I was doing anything, why did they wait for
Speaker 5: the entire year to kick me out the day?
Speaker 1: That's see, this is where this hold on.
Speaker 6: You know, you typify, You typify something that I want
Speaker 6: to go over after the break, And when I say typify,
Speaker 6: it's not unreasonable and I want to I'm.
Speaker 1: Going to talk about this. Hang on.
Speaker 6: I'm Tom Martine. This guy had a good question. We're
Speaker 6: going to address it plus more. Give us a call
Speaker 6: three oh three seven one three talk seven one three
Speaker 6: eight two five five. We have more coming up on
Speaker 6: the Troubleshooter Show.
Speaker 1: And I have to.
Speaker 6: Tell you that Frank Rand, the real estate man, is
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Speaker 1: I'm Tom Martinez. You're troubleshooter seven one three talks seven
Speaker 1: one three eight two five five. So I did some.
Speaker 6: Research store on the break, I talked to my boyfriend,
Speaker 6: and I also did some searching. According to my boyfriend,
Speaker 6: and I tried to get a female voice, but I
Speaker 6: can't so chat GPT is my boyfriend. I used to
Speaker 6: have a girlfriend co pilot, but she saw I should
Speaker 6: put that in another way. She's not very good. And
Speaker 6: then Gemini doesn't have voice at all. Gemini is the
Speaker 6: worst AI there is. Chat GPT has been my number
Speaker 6: one so far. I haven't tried deep search yet. The
Speaker 6: Chinese spy app. I haven't tried that one. So Mark
Speaker 6: was right. They can do anything they want. Basically, they
Speaker 6: just can't break the law. Meaning if you're of a
Speaker 6: certain religion you can't come here, a certain color, you
Speaker 6: can't come here.
Speaker 1: So you know, obviously they don't do that.
Speaker 6: Here's what they say, bro, and I want you to
Speaker 6: I want you to hear this, and you typify every
Speaker 6: consumer practically we've ever talked to about problems.
Speaker 1: And I don't mean that as a put down.
Speaker 6: You're you're right on track because but I'm gonna tell
Speaker 6: you this first, and I'll tell you what you typify
Speaker 6: first and foremost, they can ban you for no reason.
Speaker 6: They can ban you because they don't IQ. Okay, they can.
Speaker 6: They can do anything they want.
Speaker 1: Now.
Speaker 6: An advantage player is someone who can do card counting
Speaker 6: or they suspect will even if they don't do it accurately.
Speaker 6: Hole carding, meaning you spot a hold card that the
Speaker 6: dealer exposed in a inadvertent way, not on purpose.
Speaker 1: Shuffle tracking.
Speaker 6: I have no idea what that means, but you can
Speaker 6: actually eye where the cards go. Bonus hunting that you exploit.
Speaker 6: Casino offers free play or match bonuses to gain an
Speaker 6: edge video poker strategy. If you win too much on
Speaker 6: a video machine and they sense a slight advantage to
Speaker 6: the player and not the house, they can discontinue dice
Speaker 6: control attempting to throw a certain way edge sort identifying
Speaker 6: tiny card in perfections to determine the values. So they
Speaker 6: have a house edge and they don't want anything that
Speaker 6: will chip into it. If a player can consistently beats
Speaker 6: the house, they are no longer allowed back.
Speaker 1: They just are not What rights you have, you have
Speaker 1: no rights.
Speaker 6: Casinos have the right to reserve refuse service for any reason.
Speaker 1: They're private businesses.
Speaker 6: They can ban anyone for any reason except for the race, gender, disability, a.
Speaker 1: Blah blah blah.
Speaker 6: They do not have to prove anything. They don't even
Speaker 6: have to have a reason. Many casinos share player information,
Speaker 6: so you may find you're going to be banned at
Speaker 6: other places, and tribal versus government and public are are
Speaker 6: a private will allow them to do anything they want.
Speaker 6: Tribal is under no one's control and stay owned require
Speaker 6: a formal process. So and you know like in Jersey
Speaker 6: and stuff, basically that's not that's it.
Speaker 1: It's it's one hundred percent.
Speaker 6: Now you ask something that a lot of people do,
Speaker 6: ask well, why didn't they talk to me or why
Speaker 6: didn't I hear this? Or why wasn't it consistent or
Speaker 6: why wasn't it And you're expecting logic and you're expecting
Speaker 6: what's called continuity or consistency and process.
Speaker 1: That is not a legal requirement.
Speaker 5: Okay, I hear you, tom So.
Speaker 6: I mean, I'm just giving you the raw information. Fighting
Speaker 6: this is going to be useless. It really is totally useless.
Speaker 3: Okay, what was your question about the W two G form?
Speaker 3: Did they misrepresent something on your tax report?
Speaker 5: So when I in January, when I won that uh
Speaker 5: dig a hit on that video poker machine, they gave
Speaker 5: me a W a W two G. The next day
Speaker 5: when I went home, the name on that W two
Speaker 5: G was for a different person.
Speaker 1: It was a mistake.
Speaker 5: It was a mistake. So I was concerned that my
Speaker 5: personal information, which might had my home address and my
Speaker 5: social security number was was sent out and somebody else
Speaker 5: had received my w twogs, so I had and if
Speaker 5: it was.
Speaker 8: I guess it was.
Speaker 5: I had to contact the Color Division of Gaming to say, hey,
Speaker 5: I want the other person to bring back my w twog.
Speaker 1: I returned.
Speaker 7: We just answered his question. Why they This is why
Speaker 7: they kicked him out. He was being a pain in
Speaker 7: the ass to him.
Speaker 1: He called the gaming I'm going to tell you something.
Speaker 1: I want to I want to tell you something.
Speaker 6: Okay, bringing back your W two or whatever is not
Speaker 6: going to keep you safe. It's already been exposed. So really,
Speaker 6: you know, I know, I know what you're doing.
Speaker 1: Man.
Speaker 6: You're trying to get a pound of flesh. And it's
Speaker 6: not it's just not. I look, I don't want you
Speaker 6: disliking me, but I gotta be honest with you. It's
Speaker 6: not going to work. Okay, You're not going to get
Speaker 6: them to return it. You have no special rights to
Speaker 6: get it returned. It was a mistake and the only
Speaker 6: recourse you have is if there are damages, but you're
Speaker 6: required to mitigate those damages by doing a credit freeze
Speaker 6: or an alert or something like that. Now I know
Speaker 6: that's not what you wanted to hear. But you, I
Speaker 6: promise you you do not have any special rights.
Speaker 1: Okay.
Speaker 5: I kind of considered that a separate issue, but I
Speaker 5: guess the way you guys are saying it, you're saying
Speaker 5: that I was poking the bear and I deserve to
Speaker 5: be No.
Speaker 6: No, I didn't say that. Mark said that, and that
Speaker 6: could be true. I don't care about that.
Speaker 1: Well what that I didn't say you deserve to be
Speaker 1: kicked out.
Speaker 7: I'm saying, when you call the Gaming Commission on a casino,
Speaker 7: your name gets on a list pretty damn quick, dude.
Speaker 5: A data breach of my financial information is.
Speaker 1: I'm not arguing with you. I'm just telling you. Listen.
Speaker 6: Listen, listen. A data breach is important. But I'm going
Speaker 6: to explain something to you, whether you like it or not.
Speaker 6: A data breach is only injurious if there is a
Speaker 6: data breach that causes you harm or damages.
Speaker 1: To call the Gaming Commission. Was correct.
Speaker 6: You can call them and say there was a data
Speaker 6: breach and I want them to return my W two. Now,
Speaker 6: they're never going to make somebody return to W two.
Speaker 1: But there it was proper to call if you were
Speaker 1: upset about the data breach. That's very proper to do that.
Speaker 6: But what they did was said, this guy's a pain
Speaker 6: in the ass, and you're trying to make the case
Speaker 6: that if it was reasonable for me to call the
Speaker 6: Gaming Commission, they should not lash out against me.
Speaker 1: But I'm going to tell you something they did.
Speaker 6: I mean, do you understand that we watch too much
Speaker 6: TV where we think we have rights where we don't.
Speaker 1: You could bring a lawsuit against them.
Speaker 8: It makes sense, It makes sense, you know.
Speaker 1: And I don't mean to shoot you down.
Speaker 6: I know you called me for help, but my help
Speaker 6: is telling you the truth. We got more coming up
Speaker 6: on The Troubleshooter Show three O three seven one three
Speaker 6: Talks seven one three eight two five five. Compass Insurance
Speaker 6: will do an insurance check up on you to make
Speaker 6: sure you're not over insured, underinsured, maybe paying too much,
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Speaker 6: You'll think you're his only customer when you choose Frank
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Speaker 6: home with Remax Alliance three oh three nine two zero
Speaker 6: sixteen twenty two. Hey Tom Martine here three three seven
Speaker 6: one three talk seven one three two five. Jordan canos
Speaker 6: with us. Hey, Jordan, I want to ask you something.
Speaker 6: The event is coming up tomorrow.
Speaker 1: Is that right?
Speaker 9: Actually, yeah, we are. We pushed it out a couple
Speaker 9: of weeks because we had such a high demand that
Speaker 9: we wanted to get the right hotel set up tom
Speaker 9: So we're gonna be pushing it out a couple more
Speaker 9: weeks and we're gonna have Oh.
Speaker 1: So it's not wait wait wait, let me get this straight.
Speaker 1: So it's not tomorrow.
Speaker 9: It's not tomorrow. No, So thank you for asking. Yes,
Speaker 9: you know it's gonna be. We're gonna have it about
Speaker 9: two weeks from tomorrow and we'll get the exact dates
Speaker 9: and everything set up. But still my Moneymway dot com.
Speaker 9: Anybody can go to the website see the updated calendar
Speaker 9: for the seminar. Or if they just want to meet
Speaker 9: on a one on one consultation, that's absolutely complimentary. They
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Speaker 1: Bro, what's the new date right now.
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Speaker 1: You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free no obligation comparison
Speaker 6: call Compass Insurance paying too much your coverage at dozens
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Speaker 6: seven to one help. You'll think you're his only customer
Speaker 6: when you choose Frank durand the real estate Man dot
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Speaker 6: three nine two zero sixteen twenty two.
Speaker 1: Rip new needed that who you don't have run anouss
Speaker 1: as we can. Shooter's gonna help.
Speaker 4: Come six is the Troubleshooter Show. No Tom Martino, Hi Tom.
Speaker 1: Martina here, Welcome to the show. I'm here to help
Speaker 1: you solve problems. De'st question taking place?
Speaker 6: So is Major Mark Major sitting in the house and
Speaker 6: where sus is she lazing today or what?
Speaker 1: Nope, she's in the other room working. Okay, and then
Speaker 1: we have I think Bo in the studio.
Speaker 2: Bo.
Speaker 12: Hello there, I'm ready to help.
Speaker 1: Hey, want a.
Speaker 6: Case, got deputy, Got deputy d over here, d thank
Speaker 6: you for being here.
Speaker 1: Hey, you're welcome. Thanks for all right. Any of you
Speaker 1: guys have cases you want to follow up quickly?
Speaker 6: You have some resolved. I don't know if you brought
Speaker 6: them up when Mark did the show or not, did you?
Speaker 1: I you know, I offered to, but we were so busy. Okay,
Speaker 1: so let's talk about some and now I'm going right
Speaker 1: to the phones, but real quick. Pick a case, because
Speaker 1: you had some really good ones. Yeah, you know you
Speaker 1: may recalled it. A few months ago.
Speaker 3: Lady by the name of Roberta called this because she
Speaker 3: lost seventy eight hundred dollars oh Wills Fargo, Yeah, habit.
Speaker 1: Card to us and they said it was not fraud. Yeah.
Speaker 3: They actually denied her claim, and then she asked them
Speaker 3: to reinvestigate. She appealed to the nial. They they supposedly reinvestigate,
Speaker 3: edited and denied it again. So she was out seventy
Speaker 3: eight hundred bucks, but we developed a really great resource.
Speaker 1: Okay, so she's still out the money, though, Well, listen
Speaker 1: to this and get ready to be happy.
Speaker 3: I just got an email from her over the weekend
Speaker 3: saying that the resource that told us that he's going
Speaker 3: to help with it, this is their press affairs guy.
Speaker 3: He asked the investigating department to re reinvestigate this matter.
Speaker 3: They immediately found that Roberta was in the right and
Speaker 3: they credited her account a little.
Speaker 1: Almighty god dollars.
Speaker 3: Oh my goodness, no craft, Yeah, wells Fargo of all places.
Speaker 6: So we Mark, isn't that great news? My gosh? Man thought? Okay,
Speaker 6: you know, I just not my dinger handy, but thanks both.
Speaker 6: Since my new configuration, I can't and Mark makes fun
Speaker 6: of me. Everything's perfect on the technology side of except
Speaker 6: I can't get my sound effects to go through this
Speaker 6: board for some reason.
Speaker 1: And they're not being picked to it.
Speaker 6: Thank you, bro. I give the dinger to d We
Speaker 6: should call him Deputy Dingery, as so many of them.
Speaker 6: But anyway, whoa bo do you have?
Speaker 1: Any I have.
Speaker 12: This one I'm working on from last Friday.
Speaker 1: Her name is Erene.
Speaker 13: She called in about her furnace and this lady has
Speaker 13: not had heat since November shed.
Speaker 1: Oh that's right, true story. Did you go out there?
Speaker 12: Yes, I went out there Saturday afternoon.
Speaker 13: She had five companies come out there, and basically every
Speaker 13: one of them said, you cannot get parts for the furnace.
Speaker 13: And one of the companies.
Speaker 1: Is that true?
Speaker 12: No, it's not true at all. It's it's an eighty
Speaker 12: percent furnace. It's a train.
Speaker 13: I looked it up over the week and I can
Speaker 13: get practically every part.
Speaker 1: For the furnace.
Speaker 12: But the problem is, mom, Yes.
Speaker 1: I just want to ask a quick question.
Speaker 6: Did any of those companies that told her they can't
Speaker 6: get parts and she has to replace it? Were they
Speaker 6: on my referral list?
Speaker 13: She only gave me three companies and they were not,
Speaker 13: But there are two others she's trying to send me
Speaker 13: paperwork on.
Speaker 1: All.
Speaker 12: Right, but this is what I want to say.
Speaker 1: One of the people.
Speaker 13: Went out there and pulled all the wires out. They
Speaker 13: pulled everything out, and it looks like a bull of
Speaker 13: spaghetti inside the furnace.
Speaker 12: So I just couldn't track all of the You.
Speaker 1: Know why they did that, right, Sure they did.
Speaker 13: They wanted to try to disable it, so it couldn't well.
Speaker 1: It called the it's called the savior complex.
Speaker 6: Yeah, they want to put you in a situation where
Speaker 6: you need them to be their savior.
Speaker 1: I'm looking up the call. What what is her?
Speaker 8: Uh?
Speaker 12: Her her name is under Erene.
Speaker 13: She called on one twenty four, I think it was
Speaker 13: in the eleven o'clock care and she's had no heat
Speaker 13: for over six months.
Speaker 1: So that furnace. Can the wiring be repearline? I have down?
Speaker 1: But okay, so it's not earline, it's rowhen.
Speaker 12: It's e r L E E n earleine.
Speaker 1: That's what I got it. Okay, thank you, So I
Speaker 1: correct that.
Speaker 12: So what I'm trying to do.
Speaker 13: I got a list of all the parts that we
Speaker 13: could possibly I could possibly put in, but the wiring
Speaker 13: everyone screwed up. The wiring is a little beyond my capability.
Speaker 13: So I have a friend that's going to come out.
Speaker 13: I'm going to go back over there this week and
Speaker 13: try to trace it out, and I'm going to try
Speaker 13: to get her furnace going because she's only she only
Speaker 13: gets three hundred dollars a month social Security. She's got
Speaker 13: her daughter and two grandkids living with her, and you
Speaker 13: huddle in the they huddle in the bedroom, all of
Speaker 13: them together at night to stay warm. They have some
Speaker 13: electric going on. But I think I can get the
Speaker 13: furnace going. But for those people to say it needed
Speaker 13: to be replaced because the parts are not available, it's
Speaker 13: not true. I mean, the furnace is only fifteen years
Speaker 13: old and I don't think there's anything wrong with it
Speaker 13: other than one of the contractors that came out they
Speaker 13: try to sell her a new one that basically disabled it.
Speaker 6: Okay, I want to know something. How old is it?
Speaker 12: It's about fifteen sixteen years old?
Speaker 6: Yeah, but that to be fair, sometimes I know people
Speaker 6: don't have the money, but to be fair, sometimes it
Speaker 6: isn't worth fixing unless they're minor parts, right.
Speaker 12: Bo Yes, I mean you're rid in fairness. It's old
Speaker 12: that should be replaced.
Speaker 13: But she doesn't have to nine thousand dollars that she
Speaker 13: got quotes from seventy five to nine thousand dollars.
Speaker 12: So that's why I want to try to help her
Speaker 12: and get her going.
Speaker 1: Yeah, I get it. I just can't. I thank you, man.
Speaker 1: That's great. I have one more, so let go. Okay, Well,
Speaker 1: let me take a call first and we'll go back
Speaker 1: to you. I really appreciate it. Bo Crystal. What's going on?
Speaker 2: Yes, I wanted to elicit some help on a toe,
Speaker 2: a car towing scam that happened to my family. We
Speaker 2: had a vehicle that unfortunately the registration expired, but it
Speaker 2: was a family heirloom that we were trying to restore,
Speaker 2: and it was in my son's apartment complex and it
Speaker 2: was not ready hold on.
Speaker 6: A family heirloom and hold on a family heirloom was
Speaker 6: was in a parking lot at an apartment outside.
Speaker 2: I realized that, yeah.
Speaker 6: And oh no, no, I'm just asking, I'm just asking
Speaker 6: what kind of an heirloom?
Speaker 1: Is it an antique? What is it?
Speaker 8: Well?
Speaker 1: Well, what is it? Though? She called? Go ahead?
Speaker 2: Eighty five dodgs Ram. That was my husband's grandfathers and
Speaker 2: it was passed down to grandson.
Speaker 6: And so it was a nineteen eighty five Dodge Ram, Yes, okay,
Speaker 6: and it was toad it was it had an expired registration.
Speaker 1: Is that right? That's correct, which I know is fired registration. Yes, well,
Speaker 1: I understand that.
Speaker 6: I mean, and by the way, by the way, that
Speaker 6: that was probably a legal toe, But why do you
Speaker 6: call it a scam?
Speaker 2: Yeah, let me explain. So it was not running and
Speaker 2: it was towed from the apartment complex to a private
Speaker 2: parking lot, which then a different toe company towed it
Speaker 2: and impounded it.
Speaker 1: What wait a minute, why did they take it to
Speaker 1: a private lot?
Speaker 2: Exactly? That's why I think it's Well, no, I'm asking
Speaker 2: did they?
Speaker 1: Did they? And how do you know that happen?
Speaker 2: So we were the last folks to register that vehicle.
Speaker 2: So we got a certified letter from a towing company
Speaker 2: two weeks after the fact that said our vehicle was
Speaker 2: impounded and we owed two thousand dollars.
Speaker 7: Well, they had to give you twenty couple things real quick.
Speaker 7: They had to give you a twenty four hour notice.
Speaker 7: But all they have to do is put it on
Speaker 7: the car. Just because of what you just said, you
Speaker 7: didn't realize it for two weeks. I would assume they
Speaker 7: did that. You guys didn't see it. They cannot toe
Speaker 7: it for just having expired plates, but they can toe
Speaker 7: it for a vehicle that doesn't run in their parking lot.
Speaker 2: So the apartment complex did not call the toe.
Speaker 6: Company if they don't have to, if they have an
Speaker 6: existing relationship, they don't have to. A toe company doesn't
Speaker 6: go on to private property and tow something just because
Speaker 6: they want to. Did the apartment complex have a relationship
Speaker 6: with the toe company? No, So it was a random
Speaker 6: toe company driving past an apartment complex and said, we're
Speaker 6: going to go in and we're going to toe cars
Speaker 6: for the hell of it.
Speaker 1: What's the name of the complex?
Speaker 2: No?
Speaker 6: No, wait, wait, Mark, wait, Crystal, I need to know
Speaker 6: if that's the case, I think you have a good case.
Speaker 1: So they were.
Speaker 6: Driving by, they had no signage whatsoever. This particular company
Speaker 6: simply decided to patrol that lot.
Speaker 1: So we've tried to do.
Speaker 2: Some investigation ourselves. So what we have determined was that
Speaker 2: there was a couple in a different apartment that needed
Speaker 2: their car repaired, so they called a tow company to
Speaker 2: repair to pick up their car to be repaired. When
Speaker 2: that toe company was there, they said, hey, we see
Speaker 2: this older vehicle. Do you know if it's abandoned? And
Speaker 2: the couple said no, they didn't know. The next day
Speaker 2: our car was missing, and my son filed up police
Speaker 2: report and we.
Speaker 1: Later okay, is it possible.
Speaker 6: Is it possible that the toe company, after finding out
Speaker 6: there was a car there, went to the management company
Speaker 6: and asked did they want it toad.
Speaker 2: No, because we talked to the manager of the apartment.
Speaker 6: If the management complex, if the management complex did not
Speaker 6: want it, toad and there was no signage and you
Speaker 6: didn't get twenty four hours, notice that first toe company
Speaker 6: is going.
Speaker 1: To owe you every dime. What's the name of the company,
Speaker 1: every dime?
Speaker 2: The name of the complex is I should notice Bear Creek?
Speaker 1: Okay, yeah, okay, so listen address, listen to information. I
Speaker 1: don't need that. The first toe company, what was the name?
Speaker 1: Is it in Bolder?
Speaker 2: No, it's in Lakewood. And the only reason we determined
Speaker 2: all of this was because we got some ring video
Speaker 2: footage of the tow truck that there was no yeah,
Speaker 2: okay name. There was no name on a tow truck,
Speaker 2: and we could not get the license.
Speaker 6: So when your son reported it, they didn't know where
Speaker 6: the truck was this company. I don't understand why this
Speaker 6: company towed it to a private lot if they weren't going.
Speaker 1: To get paid.
Speaker 2: So that's why I think that they're.
Speaker 1: Wait, wait, wait, just run quick.
Speaker 6: Why would why would a company give away a toe
Speaker 6: to another company in another private lot?
Speaker 2: So I think that the where it ended up being
Speaker 2: toe to that company's apt I think they're in collusion
Speaker 2: with other toe companies.
Speaker 6: So do you think they say to people? So they
Speaker 6: say to people, find vehicles and bring them to our lot,
Speaker 6: and we will have them towed to impound, and we
Speaker 6: will then split the money with you.
Speaker 2: That's what I think.
Speaker 6: Okay, hold on, Crystal, Why wouldn't those other companies simply
Speaker 6: find abandoned vehicles and go directly to impound and make
Speaker 6: the money without splitting it with this other company.
Speaker 2: What I think is the abandoned vehicles that perhaps the
Speaker 2: people that own them would not follow up on it
Speaker 2: so that they will then auction the vehicles off or
Speaker 2: part the matter.
Speaker 6: Well, I'm still asking why couldn't a tow company do
Speaker 6: that directly? Why would they have to abandon it go
Speaker 6: through an extra step of putting it in a vacant lot.
Speaker 2: Yeah, I don't know. It's just a whole weird situation,
Speaker 2: like why was the.
Speaker 6: Well, it doesn't sound it doesn't sound efficient. It doesn't
Speaker 6: sound efficient to me. But I'm not saying it's impossible
Speaker 6: no matter what that matter or what and how do
Speaker 6: you know there are others this happens too.
Speaker 1: With that lote.
Speaker 2: I looked onlines and saw reviews for the company where
Speaker 2: the toe the vehicle ended up was app towing and.
Speaker 6: And did they did other people say my car was
Speaker 6: towed to this lot and then towed out of it.
Speaker 2: No, not specific to that.
Speaker 6: Okay, all right, So so you're just surmising this is
Speaker 6: what happens.
Speaker 1: I don't think any scammer, none of the listen. I don't.
Speaker 1: I don't think that happened.
Speaker 6: I don't think there's scam towing multiple cars to this
Speaker 6: lot in order to rack up fees and split money
Speaker 6: with someone when they can go direct. There might be
Speaker 6: a collusion in this case between the toe toe companies.
Speaker 6: Honest to God, there might be because that that toe company,
Speaker 6: that toe company may have said, look, I don't have
Speaker 6: authorization to take this toe, but if I put it
Speaker 6: over in your lot, will you send the notice and
Speaker 6: all the other stuff.
Speaker 1: It could be, It really could be.
Speaker 6: I don't think it's a massive scan, but I think
Speaker 6: that maybe you stumbled onto something.
Speaker 4: But I'm going to go.
Speaker 6: Back to one thing after Deputy d gives us two
Speaker 6: cents because he's been wanting to. But there's one thing
Speaker 6: that's obvious that you should do.
Speaker 1: Deputy d What do you have to say that you
Speaker 1: brought you were going to bring on?
Speaker 3: Well, I think Crystal mentioned two very suspicious things. One
Speaker 3: is she has ring video of an unmarked toe company.
Speaker 3: This is the first toe company, right, Crystal, did you
Speaker 3: say their truck is unmarked?
Speaker 2: Correct from what we could tell.
Speaker 1: So you don't know the name. You don't really know
Speaker 1: the name of the company that told you.
Speaker 3: Just because she contacted one of her neighbors who originally
Speaker 3: called the unmarked.
Speaker 1: Okay, so you know the name of the company. No,
Speaker 1: she doesn't, don't.
Speaker 6: The original company came to tow that other car to repair.
Speaker 6: The next day her car was told. She's surmising, well,
Speaker 6: was it the same truck?
Speaker 1: Did she ask her neighbor?
Speaker 6: Was this the same truck that came and got my car?
Speaker 6: I mean, we can't just automatically assume that the next
Speaker 6: day her car was towed by the same company.
Speaker 3: So the second thing that she said is her car
Speaker 3: was towed by the unmarked truck to a parking lot
Speaker 3: of an unrelated business.
Speaker 1: Right, those two are very suspicious. Well, of course they aren't.
Speaker 6: I didn't nobody I think if it happened like she said,
Speaker 6: if that company towed it to another lot. It was
Speaker 6: so that other lot would do all the notices because
Speaker 6: I don't think they were authorized to take it from
Speaker 6: the private apartment complex.
Speaker 1: So they got around it by simply saying it was
Speaker 1: in this lot, not that lot.
Speaker 6: So they were hoping they could take it out of
Speaker 6: the apartment complex lot without anyone knowing. And then simply
Speaker 6: an abandoned vehicle shows up on a private lot and
Speaker 6: the private lot tows it legally, but it was not
Speaker 6: legally because it was brought there by another toe company.
Speaker 1: What I need to know is this, Do you know
Speaker 1: the name of the company that towed it to that lot?
Speaker 2: I do not, But the least agent, the manager at
Speaker 2: the apartment complex, knows the couple who had their vehicle
Speaker 2: towed by this company, and.
Speaker 1: Then that your vehicle.
Speaker 6: Yeah but no, okay, let me explain this to So
Speaker 6: you have the apartment complex manager who says, I know
Speaker 6: a couple who called a tow company, who came, who said,
Speaker 6: what is that car?
Speaker 1: And then the next day it was missing. Do you
Speaker 1: understand you don't have any evidence that that car? I
Speaker 1: mean you do you have? You said, there's ring video
Speaker 1: of your son's truck. Being towed. Is that right?
Speaker 2: Yes, that's correct.
Speaker 1: Okay, that truck and the toe companies.
Speaker 6: Is it the same truck as the couple that had
Speaker 6: their truck had their car toad to repair?
Speaker 1: Is it the same truck? I do not know because
Speaker 1: the well, you got to do your homework. If it's
Speaker 1: the same truck. If it's the same truck, you can
Speaker 1: maybe get the name.
Speaker 2: I tried, but the manager at the complex does not
Speaker 2: feel comfortable giving us a couple's information.
Speaker 1: Well, then you're at a dead end. You're at a
Speaker 1: total dead end. What you can what you can do?
Speaker 6: Well, if somebody just tells me this happened and there's
Speaker 6: absolutely no evidence and you can't get the evidence, we
Speaker 6: can't assume it that's what happened.
Speaker 7: I mean, well, if I knew the damn complex's name,
Speaker 7: I'd make a call.
Speaker 1: But there is not a Bear Creek in Lakewood, so
Speaker 1: I'd have to know something.
Speaker 6: Sure, we will make a call, but there's something else
Speaker 6: I want to ask another obvious question. The toe company
Speaker 6: that did take it to impound that now wants two
Speaker 6: thousand dollars.
Speaker 1: Do they have evidence that there was notice put on there?
Speaker 6: And again, you wouldn't have known about the notice because
Speaker 6: it wasn't in your normal parking space.
Speaker 1: But do they have evidence that they at least tried
Speaker 1: to do it the right way?
Speaker 14: We did call the lady at the toe company, and yes,
Speaker 14: she asked if we were going to pay to get the.
Speaker 2: Truck out and if not, she was not going to
Speaker 2: take the time to do the investigation.
Speaker 1: Okay. What is the name of the second toe company?
Speaker 2: APT Towing.
Speaker 15: Att APT APT.
Speaker 2: Got it and I do have the apartment complex is
Speaker 2: ranch at Bear Creek Crystal.
Speaker 3: Did APT advise you of your right to get that
Speaker 3: car back for a very small initial payment of something
Speaker 3: like sixty seven dollars approximately and then enter into a
Speaker 3: payment arrangement with them that's required.
Speaker 2: No, that they sat at the time when we first
Speaker 2: were notified and called them that we owed them two
Speaker 2: thousand dollars.
Speaker 6: Okay, did they tell you there are now legal payment
Speaker 6: arrangements they have to make with you.
Speaker 1: You can get the clarification of that from the PUC.
Speaker 1: Well they can't.
Speaker 3: They have to and the first call I would make
Speaker 3: a fire use to the PUC to submit the complaint
Speaker 3: about them.
Speaker 1: The toe company will take that very very seriously and
Speaker 1: do you see, will.
Speaker 3: Also advise you of the details of your rights under
Speaker 3: this towing law, and that will give you some time
Speaker 3: to investigate us further without being at risk of having
Speaker 3: your automobile sold in the meantime.
Speaker 2: Unfortunately, I think by the way, yeah, go ahead. I
Speaker 2: was going to say, unfortunately we miss the deadline. I've
Speaker 2: been trying to get people to how I reached out
Speaker 2: to Fox News.
Speaker 1: What deadline did you miss? What deadline are you talking about?
Speaker 2: They said that if we didn't pay for the full
Speaker 2: impound fees by the nineteenth of this month, that we
Speaker 2: lost our ability to get those It was the date.
Speaker 1: Well, they're wrong.
Speaker 3: So APT is required by law to auction off your
Speaker 3: car after sixty days. You have until the fifty ninth
Speaker 3: day to come and get Okay, do you know.
Speaker 6: The date of the y and they can't charge you
Speaker 6: the whole amount or they can't, but they must allow
Speaker 6: you to make a down payment. They never advised you
Speaker 6: of a down payment. Indeed, you want to call over
Speaker 6: to that pee company.
Speaker 3: Yeah, just one quick question, Crystal, was the what was
Speaker 3: the date of the toe? Approximate date of the toe?
Speaker 2: I believe they picked up it on the twelfth of December,
Speaker 2: and they were giving us until January nineteenth.
Speaker 1: Today, I'll be happy to call them, Tom.
Speaker 6: Oh Man, I think you're getting screwed for sure. I
Speaker 6: don't think there's a massive scale going on, but I
Speaker 6: think you definitely the second company she said December twelfth, right,
Speaker 6: I think that company did not give you the right
Speaker 6: information to get your car back because they don't want to.
Speaker 1: I got to take a break. Is this the first break?
Speaker 1: I'm I'm in big trouble.
Speaker 6: I'm sorry, So I'm gonna get get the information for
Speaker 6: Deputy b d Here.
Speaker 1: I'm Tom Martino. Thanks man more coming up?
Speaker 6: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation. In comparison,
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three oh three seven
Speaker 6: seven to one help. You'll think you're his only customer
Speaker 6: when you choose Frank durand the real estate Man dot
Speaker 6: com to list your home with Remax Alliance three oh
Speaker 6: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 6: Your troubleshooter three oh three seven one three talk seven
Speaker 6: one three eight two five five Russ, what's happening with you?
Speaker 1: Russ?
Speaker 10: Wondering if you can give me some ideas. I have
Speaker 10: a ranch home and uh, we wish in the family
Speaker 10: room and it's just in that area, not in the bedroom,
Speaker 10: and then we hear a cracking popping sound and it
Speaker 10: gets worse when I turn the gas fireplace off.
Speaker 6: It doesn't do it a lot, but okay, hold on,
Speaker 6: hold on, a cracking There's a couple of things I
Speaker 6: want to ask you. When you say a cracking popping sound,
Speaker 6: does this sound if you can tell mechanical or electrical
Speaker 6: or you can't tell.
Speaker 10: No, it's it's structural. It's what structural?
Speaker 1: You know there like a like a floor creek or something.
Speaker 10: Yeah, kind of like, uh, you know, it sounds like
Speaker 10: the ceiling is going to fall on you. But you
Speaker 10: know it's it gets loud sometimes and it's been doing
Speaker 10: it for a while that it seems to be getting worse.
Speaker 10: And I'm just wondering if you have any.
Speaker 6: Idea and you hear, okay, hold on, are you noticing
Speaker 6: any cracks and walls or doors that are hard to
Speaker 6: close or anything different.
Speaker 1: Windows not opening, No, we even have now now.
Speaker 6: Okay, okay, So you hear this noise primarily in one
Speaker 6: room and not the others mostly.
Speaker 10: Yeah, yeah, it's the family room, and then there's a
Speaker 10: dining small dining area, and then we go into the kitchen,
Speaker 10: but we mostly hear it around that area. And the
Speaker 10: garage door is where the family room is where you
Speaker 10: go out to the garage, and you know, once we
Speaker 10: open the door, and then we can hear it every
Speaker 10: once in a while, you know.
Speaker 1: But now, what do you what do you hear? Tell
Speaker 1: me what you hear.
Speaker 10: It's like a cracking sound, you know, And I someone
Speaker 10: told me that it might be.
Speaker 1: Have you ever heard have you ever heard a creaky
Speaker 1: floor when you walk across it?
Speaker 10: Yes, but like that, Yeah, it's just an attic No, no, no, no,
Speaker 10: I get it.
Speaker 1: But does it sound like a creaky floor.
Speaker 10: Kind of yeah?
Speaker 1: And when it happens, does it happen one day and
Speaker 1: not the other on certain days?
Speaker 10: No, it's usually every other day. Maybe when I have
Speaker 10: the gas fireplace on, we're sitting in and watching TV.
Speaker 10: You know, all of a sudden you hear it real loud,
Speaker 10: and you know, there's no cracks in the ceiling nothing,
Speaker 10: you know, and I was someone told me that it
Speaker 10: might no.
Speaker 15: No, no, no no.
Speaker 1: So you turn on the gas fireplace and you hear
Speaker 1: it loud, right.
Speaker 10: Yeah, after a while, I think.
Speaker 1: It's your I know it because your flu is heating up.
Speaker 6: I think it's a reaction to the extreme cold and
Speaker 6: the warmth of your house and the metal flu going
Speaker 6: up through a wall. That's what I think. Now, that's
Speaker 6: just from hearing what you're saying. Obviously you can have
Speaker 6: that checked out. So you have a gas fireplace, yes,
Speaker 6: so it happens even when the gas fireplace.
Speaker 10: Is off right, Yeah, but not as loud and yeah, so.
Speaker 6: Oh hold on, so hold on. So so I think
Speaker 6: that's what it is. I think it's your your flu
Speaker 6: or some kind of duct work for that fireplace.
Speaker 1: I really do. Now there's a way to check it out,
Speaker 1: but I don't want you to get dangerous.
Speaker 9: Are you.
Speaker 1: Do you know where that exhausts on the roof?
Speaker 10: Yeah?
Speaker 6: Okay, Now are you handy and I'm not asking you
Speaker 6: to do that. You ever get on your roof or not?
Speaker 10: Yeah?
Speaker 11: I do.
Speaker 10: But I'm seventy six now, and my wife and kids
Speaker 10: tell me don't get up on the roof.
Speaker 1: So I had no, don't don't do it. Don't do it,
Speaker 1: you old bastard, don't do it. I don't want you
Speaker 1: on my mind. I don't want you on my conscience.
Speaker 10: Yeah, so you could get you know, because someone told
Speaker 10: me that maybe it could help. I don't know.
Speaker 1: But uh so I'm having insulation where.
Speaker 10: Slation inlation on the attic, the whole the hole addic.
Speaker 1: Well, you don't have your attic is not insulated now,
Speaker 1: yes it is, but.
Speaker 10: It's my house is forty five years old, and it
Speaker 10: doesn't seem okay.
Speaker 6: Insulation is always going to help your house. I don't
Speaker 6: know if it'll help the noise. I sincerely think, do
Speaker 6: you know what that flu is made of? Is it
Speaker 6: a pipe or is it a duct?
Speaker 2: Do you know?
Speaker 10: I don't know. I think it's a pipe. I don't know.
Speaker 6: It's like a big silver, ugly pipe and it comes
Speaker 6: out of your roof and you got a covered yes.
Speaker 6: Is it bricked around your roof or is it just
Speaker 6: a stovepipe hicking out with a top.
Speaker 10: Obviously I'm probably just a stove pipe. We just have
Speaker 10: sighting on the outside.
Speaker 1: You can't see it. But you can't see it on
Speaker 1: the roof. If it's just a stovepipe sticking.
Speaker 10: Out, well there's yeah, there's a stove pipe kind of
Speaker 10: I guess.
Speaker 9: And it's.
Speaker 10: Maybe maybe eight inches ten inches.
Speaker 1: Yeah, that's it now. And it goes and it looks
Speaker 1: like it goes down.
Speaker 10: To your where your stove is, right, yes, exactly.
Speaker 1: Okay are your fireplace?
Speaker 8: All right?
Speaker 1: Here's what I don't want you to do. But somebody
Speaker 1: could do. A handyman. You have him go up on
Speaker 1: the roof. I got to take a break.
Speaker 6: You have n't go up on the roof and they
Speaker 6: listen from the top and it'll be a distinct pinging sound.
Speaker 6: But that's I'm almost positive that's what it is. Installation's
Speaker 6: not going to stop it. It's just a fact of life.
Speaker 6: It got a little loose over the years. You may
Speaker 6: want to have a chimney sweep check it out and
Speaker 6: make sure it's secure. They can help secure it and
Speaker 6: maybe cement it where it's loose, or maybe even replace
Speaker 6: the liner.
Speaker 1: Whatever. Just that's what I think it is. We have
Speaker 1: more coming up on the Troubleshooter show. Go with a
Speaker 1: Sure Thing.
Speaker 6: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 6: a cent until you're content. Time for an insurance checkup free,
Speaker 6: no obligation. In comparison, call Compass Insurance. Pay too much
Speaker 6: your coverage at dozens of insurance companies find out now
Speaker 6: three oh three seven to seven to one help. You'll
Speaker 6: think you're his only customer when you choose Frank durand
Speaker 6: the real estate Man dot com to list your home
Speaker 6: with Remax Alliance three oh three nine two zero sixteen
Speaker 6: twenty two. Tom Martine, Here, we're going to Jordan Caiano. Hey, Jordan,
Speaker 6: I want to talk about this. Somebody asks, at what
Speaker 6: point do you suggest a fixed indextinuity for someone that
Speaker 6: has some guaranteed returns and guaranteed guaranteed growth and guaranteed income.
Speaker 6: I want to know your reasoning, and I want to
Speaker 6: tell you what I'm thinking upfront, because I don't want to.
Speaker 1: I know, I don't believe in submarine people.
Speaker 6: I love you, guys, I really do, but I believe
Speaker 6: many people are placed in annuities by companies that they
Speaker 6: shouldn't be in because they're young enough that I believe
Speaker 6: they could make they could grow their nest egg and
Speaker 6: they're limited in returns by annuities to a certain extent.
Speaker 6: Now I'm not saying that there's not a place for annuities.
Speaker 6: I have one, Jordan, and you guys were very brilliant
Speaker 6: on analyzing everything I brought to you.
Speaker 1: Now here's what I want to ask you. When do
Speaker 1: you decide someone is right for an annuity?
Speaker 9: Yeah, I would say, you know, really, we kind of
Speaker 9: look at a few factors. Age is a big piece,
Speaker 9: because you're you're spot on with that. I think anybody
Speaker 9: that's probably in their thirties, the twenties, maybe even.
Speaker 1: Early forties, maybe no, you really, yeah, you.
Speaker 9: Know, that's kind of where that cut off white starts
Speaker 9: to give, because you know, if they have a place
Speaker 9: to be able to earn you know, obviously higher returns
Speaker 9: and are not worried about the risk of the time,
Speaker 9: well then of course you know they can take advantage
Speaker 9: of the forward k's broker's.
Speaker 10: Accounts, that kind of thing.
Speaker 9: But we kind of see that for a lot of
Speaker 9: people who leave those accounts behind from old employers, they
Speaker 9: don't even do anything with them, and we try to
Speaker 9: make sure that you just get back to controlling them
Speaker 9: and getting guarantees and bonuses and of course, as Marc
Speaker 9: has mentioned, our long term care benefits. That a is
Speaker 9: a huge one in today's world.
Speaker 10: It is.
Speaker 6: It is absolutely now as people get older and they
Speaker 6: want that security, they don't mind risking some of the
Speaker 6: higher returns if they get guaranteed safety, right, correct.
Speaker 8: And we're still talking about double digit returns.
Speaker 9: You know, it's just a matter if it follows indexes,
Speaker 9: golds and teach five hundred dow Jones all of that.
Speaker 9: But to your point, you're not buying individual stocks, so
Speaker 9: it gives the growth with the floor, so you don't
Speaker 9: have to drop through when the market drops, but you
Speaker 9: lock in your earnings each year so you never have
Speaker 9: to go backwards going forward.
Speaker 6: I want to ask you something real quick here, bro
Speaker 6: on an annuity. What pick one of your best annuities
Speaker 6: and a true performance. What has it been returning let's
Speaker 6: say an average over the the last three years.
Speaker 9: Yeah, well, see that's the one thing with indextinuities. It's
Speaker 9: gonna be based on everybody's anniversary date. You know, you
Speaker 9: have some phenomenal ones that people who came back with Well.
Speaker 6: I understand, I understand, But if you pick one or two.
Speaker 6: If you pick one and you can show certainly performance data.
Speaker 6: I'd like to explore some of that. Just listen, we're
Speaker 6: not taying people, you know. In fact, annuities are one
Speaker 6: of the few things you can quote like that because securities.
Speaker 6: People look askance at people doing it with stocks and
Speaker 6: stuff because nothing is an indication. But with a fixed
Speaker 6: in deestinuity, it's not a security and you can quote
Speaker 6: what it's been doing. Hold on, I'll come back to.
Speaker 1: That right after this.
Speaker 6: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation. In comparison,
Speaker 6: call come this insurance paying too much your coverage at
Speaker 6: dozens of insurance companies find out now three oh three
Speaker 6: seven seven to one help. You'll think you're his only
Speaker 6: customer when you choose Frank Durand the real estate Man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: oh three nine two zero sixteen twenty two. Hi Tom
Speaker 6: Martino here, Welcome to the show. Three oh three seven
Speaker 6: one three talk seven one three eight two five. So
Speaker 6: Jordan Ciano, just real quickly here and Michael, I'm going
Speaker 6: to get to you, I promise you and any other
Speaker 6: caller at three o three seven to one three talker
Speaker 6: three oh three Martino three oh three six two seventy
Speaker 6: four sixty six. Jordan. So you also have overfunding life insurance.
Speaker 6: Become the banker. Explain that then, because certainly that's good
Speaker 6: for almost anyone, don't you think absolutely.
Speaker 9: I mean, that is our bread and butter. As you
Speaker 9: we'd like to say, you're building tax free money away
Speaker 9: from the banks and really just kind of getting away
Speaker 9: as money away from the government from taxation as best
Speaker 9: as you can. And that's what we do with to
Speaker 9: become the baker.
Speaker 6: Explain how that works. Explain Explain how that works. The
Speaker 6: goal is not really life insurance, but that's like frosting correct.
Speaker 9: Yeah, you know, it's it's kind of a unique way
Speaker 9: of looking at whole life. But it's a very specialize.
Speaker 9: There's only about five life insurance companies that offer these
Speaker 9: type of banking policies. We work with all five, and
Speaker 9: really it's just about overfunding. You put money into it.
Speaker 9: You're building it almost like a like a tax repity bank,
Speaker 9: if you will.
Speaker 5: And as the people say.
Speaker 6: People say, why would I overfund something? Why would I
Speaker 6: pay more than the cost of insurance? Explain that because
Speaker 6: the extra cash grows tax deferred.
Speaker 9: Well, it's correct tax deferment. It stays tax free in
Speaker 9: the policy you can use it.
Speaker 1: Well, it stays tax free if they do what you
Speaker 1: guys say.
Speaker 6: And we're going to go over what you guys say,
Speaker 6: because that's where it stays tax So you can say
Speaker 6: tax free for a nest egg. Talking about nest Egg,
Speaker 6: if you don't have a lot of money to invest,
Speaker 6: it's one of the best products you can offer. Hang on,
Speaker 6: we'll talk about that and more. Coming back with the
Speaker 6: deputies and Major, Mark Major and the gang. Right after this,
Speaker 6: go with a sure thing Denver's best roofer Excel Roofing
Speaker 6: dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 6: Please time for an insurance check up free no obligation
Speaker 6: comparison call Compass Insurance paying too much your coverage at
Speaker 6: dozens of insurance companies find out now three O three,
Speaker 6: seven to seven to one help. You'll think you're his
Speaker 6: only customer When you choose Frank durand the real estate
Speaker 6: Man dot com to list your home with Remax Alliance
Speaker 6: three oh three nine two zero sixteen twenty two.
Speaker 10: Ripped.
Speaker 1: You need so you don't have run anxiousness fast as
Speaker 1: we can shoot, It's gonna come.
Speaker 4: Dix. He is the Troubleshooter Show.
Speaker 1: No Tom Martino, Hello Tom Martino here, and I invite
Speaker 1: you to call in. For the first time.
Speaker 6: We have full open lines at three oh three seven
Speaker 6: one three talk three oh three seven one three eight
Speaker 6: two five five, fighting for you, solving problems, answering questions,
Speaker 6: taking plays. Major Mark Majors on with me along with
Speaker 6: Deputy d Over here to my side of your streaming.
Speaker 6: Deputy Bows at the studio and Kachina Glory on the phones.
Speaker 1: And uh Dragon, we get the B team after Shannon leaves. Actually,
Speaker 1: I'm just kidding. He's he I have an A plus.
Speaker 1: I'll let you figure out which one switch.
Speaker 6: So, Deputy d Uh we had a woman call earlier
Speaker 6: and it was distressing, but let's just talk about it.
Speaker 6: Her son has a nineteen eighty five Dodge Ram that
Speaker 6: wasn't running and the registration was expired and it was
Speaker 6: towed from an apartment complex, but apparently the apartment complex
Speaker 6: never called anyone to come toe it. She suspects someone
Speaker 6: was there looking at a neighbor's car to bring to
Speaker 6: repairs and probably noticed her car and came back and
Speaker 6: got it under no authorization, no twenty four hour notice,
Speaker 6: none of the legal ramifications. However, she doesn't know the
Speaker 6: name of the toe company, so what she does know
Speaker 6: is that it was actually towed to impound from a
Speaker 6: private lot. So she suspects somebody towed it from the
Speaker 6: apartment complex with no authorization to a private lot so
Speaker 6: that private lot could go through the motion and legally
Speaker 6: impound it or I say legally meaning as if it
Speaker 6: was parked there, and she thinks it's an elaborate scam.
Speaker 6: But APT Towing is the one that towed it from
Speaker 6: that private lot, and whether they did it legally or not,
Speaker 6: did they give the twenty four hour notice and all
Speaker 6: that they would have never known because it was out
Speaker 6: from their normal part working spot at the apartment complex.
Speaker 6: So now what we have is a situation where it's
Speaker 6: going to cause two grand to get this eighty five
Speaker 6: dodge ram back what she describes as a family heirloom.
Speaker 1: But the problem is.
Speaker 6: Is that.
Speaker 1: She was never advised, according to her that under new
Speaker 1: state law, they have to offer financing provisions to take
Speaker 1: it from their deputy d Thanks Tom.
Speaker 3: Yeah, this story really stinks, especially the part where her
Speaker 3: car was initially told by an unmarked tow truck into
Speaker 3: the commercial lot.
Speaker 1: After that APT took over.
Speaker 3: So a few minutes ago, our caller Crystal sent me
Speaker 3: the letter that she received from APT advising her of
Speaker 3: the balance too. I called that number and I spoke
Speaker 3: with a lady by the name of Brie, and she
Speaker 3: I told her why I was forthcoming. Oh no, she
Speaker 3: hung up on me twice.
Speaker 1: Okay, and that tells you something right off the bat.
Speaker 1: It stinks.
Speaker 3: Yeah, this is something is something is going on. In
Speaker 3: my opinion, something very dirty is going on. So Brie
Speaker 3: hung up on me after I told her why I
Speaker 3: was calling. I called back again. I told her that
Speaker 3: I'd like to speak with her or if she doesn't
Speaker 3: want to provide any comment on this matter, then I'd
Speaker 3: like to speak with Karen A.
Speaker 1: Fisher. She's the Karen A.
Speaker 3: Fisher is the lady who's been filing all of the
Speaker 3: documents with the color of Secretary of State's Office on
Speaker 3: behalf of APT service.
Speaker 1: So as soon as I talked, as soon as I.
Speaker 3: As soon as I mentioned Karen Fisher's name, the lady
Speaker 3: who claims to be Bri said, I don't care if
Speaker 3: you call the PUC and hung up on me again.
Speaker 3: So at this point, I'm going to contact the PUC
Speaker 3: and get there, get there, get their suggestion. So she
Speaker 3: she was that obstinate, Oh no, she was. Yeah, she
Speaker 3: was the most unpleasant person I've spoke to in in
Speaker 3: my course of work over here since Wow helping you
Speaker 3: just a really rough, unpleasant, nasty, nasty lady.
Speaker 1: But I won't hold that against her.
Speaker 3: All we're trying to do is make sure that Crystal
Speaker 3: is able to get her vehicle back under terms in
Speaker 3: accordance with the state law. Now, Crystal did bring that
Speaker 3: up to APT Towing when she first called them, and
Speaker 3: they wouldn't let According to Crystal, they said the entire
Speaker 3: balance is due.
Speaker 1: It's due now, And it sounds like.
Speaker 3: They also either told her or at least implied that, oh,
Speaker 3: it's too late now and we're going to sell the vehicle.
Speaker 3: So that's one of the clarifications that I sought to
Speaker 3: get from APT Towing, but it was unable to because
Speaker 3: they just keep hanging up. So Crystal is calling the
Speaker 3: PUC right now as we speak, And then as soon
Speaker 3: as I complete this update, I too, am going to
Speaker 3: call the PC and get their perspective on what to
Speaker 3: do next, because I can tell you one thing. The
Speaker 3: car is just days away from being sold at auction.
Speaker 1: And these are they're being jerks. They really are being jerks.
Speaker 1: Oh with a capital J, Tom, that is too bad.
Speaker 3: And you know, and if you're not doing something dirty,
Speaker 3: something underhanded, something sneaky, why not talk to somebody about it.
Speaker 3: Why not explain your position and tell us what the
Speaker 3: consumer can do to get their car.
Speaker 1: Man, that sucks. What's the name of that company? APT
Speaker 1: Service Inc? What's their phone number? I don't give. I
Speaker 1: give the number I call. People should know about them.
Speaker 1: The number I called just in case somebody is accidentally
Speaker 1: about to call them to to order a toe or something.
Speaker 3: It's three zero three four five five one two six four. Man, Yeah,
Speaker 3: so I called three oh three four five five one
Speaker 3: two six.
Speaker 1: Four, and man Bree was nasty to me. That sucks.
Speaker 1: It sucks with a capitalists all right, Well, thank you
Speaker 1: people for helping us out when it comes to this
Speaker 1: kind of stuff, because they need to know that they're jerks.
Speaker 6: They didn't do anything right, and they know that we know.
Speaker 6: And did you ask about her charge allowing financing for this?
Speaker 1: Oh?
Speaker 3: As soon as I didn't even get a chance to,
Speaker 3: I told her the reason I was calling and what
Speaker 3: my questions are. And by the way, I didn't call
Speaker 3: to point my finger at them or accuse them of
Speaker 3: any wrongdoing because at that point I still don't know
Speaker 3: what they did wrong. If anything, I still don't know
Speaker 3: what connection they have with you on marked tow truck
Speaker 3: that sneaked the view podential lot into a private business lot.
Speaker 3: I was going to discuss all of that. I didn't
Speaker 3: get a chance. I didn't get a chance to ask
Speaker 3: any of those questions because APT Towing hung up on
Speaker 3: me twice.
Speaker 1: All right, people give the number out again, Sorry, just
Speaker 1: give it out.
Speaker 3: But the number I called was three zero three four
Speaker 3: or five five one two six four.
Speaker 1: Tell him that Martino told you to call.
Speaker 6: Don't be a jerk about it, just you know, tell them, hey,
Speaker 6: you know this whole thing has uh is has stink
Speaker 6: all over it. You can put it that way, stink
Speaker 6: all over it. Yeah, and that you're gonna let people know.
Speaker 6: And she doesn't care. We Uh, she doesn't care if
Speaker 6: we go to the public utilities.
Speaker 1: No, go ahead, call the PUC. Go ahead and click. Well,
Speaker 1: you know what we're going to call the POP. That's
Speaker 1: my next phone call.
Speaker 6: All right, three oh three seven one three talk seven
Speaker 6: one three eight two five five Okay. On consumer news, Oh, Jordan, First, Jordan,
Speaker 6: somebody wrote to me saying they have an annuity. They
Speaker 6: had it when they were younger. They want to participate
Speaker 6: in the stock market. They want to cash in the annuity.
Speaker 6: They didn't get it from you. They're just they just
Speaker 6: felt it was inappropriate at the time. And they're now
Speaker 6: forty five. They're forty five. Their past what's called the
Speaker 6: surrender period. But explain surrender periods, and explain how that
Speaker 6: person goes about and gets money and how much of
Speaker 6: that money will they get back.
Speaker 2: Yeah.
Speaker 9: So the thing is having floors and bonuses, just like
Speaker 9: anything else. You know, a broker's account, you don't have
Speaker 9: you can lose all the money right with this, They
Speaker 9: have that floor and they give you a fifteen percent
Speaker 9: bonus up front. So they have what's called surrender periods,
Speaker 9: as you mentioned.
Speaker 6: Some companies before that, before that money becomes yours right.
Speaker 9: Before the full account. If you wanted to cash out now,
Speaker 9: if you end up turning the income on it any year,
Speaker 9: you can do that. If you decide to take some
Speaker 9: withdrawal out, you can take up to ten percent with that, you.
Speaker 6: Can take up to you can take without penalty up
Speaker 6: to ten percent.
Speaker 1: Is that right, Jordan?
Speaker 9: That is correct. And again and if you need income
Speaker 9: and you're ready to turn that switch on, you don't
Speaker 9: have to wait the full surrender period. It's only if
Speaker 9: companies are offering bonuses and offering benefits. They don't want
Speaker 9: you to hop around from company to company and pack
Speaker 9: up bonuses, of course, because that'd be a great way
Speaker 9: to make a lot of money, right.
Speaker 6: Yeah, So now, yeah, of course, So tell us then
Speaker 6: what the surrender period usually looks like.
Speaker 9: Yeah, so, well, like I mentioned, it's about seven years,
Speaker 9: there's ten years, and then there's some companies that we
Speaker 9: don't really like to use it and deal with. But
Speaker 9: there's some bad ones we found out there from clients
Speaker 9: that have fourteen years or twenty years even and those
Speaker 9: are the ones that unfortunately you hear a lot about
Speaker 9: that give these twenty five percent bonuses, they're thirty percent
Speaker 9: that they lock these clients in for the entirety of
Speaker 9: their life not able to get that money out. So
Speaker 9: we really focus only on these when it makes sense
Speaker 9: for somebody younger. Personal text in you can get these
Speaker 9: fixed index ainuities without surrender windows because a lot of
Speaker 9: times it has to do with the income writer or
Speaker 9: that guaranteed income that we offer for all of our clients.
Speaker 9: So that's something that we talk on one on them
Speaker 9: with everybody. It just depends on their age, where they're
Speaker 9: at in life, and when they're ready to take money.
Speaker 1: All right, what's going on, Daryl, Welcome to the show, bro,
Speaker 1: Thank you.
Speaker 11: I was calling my mother in law, who currently resides
Speaker 11: in Mexico, is looking for a real estate attorney and
Speaker 11: somebody to handle her estate as well that is familiar
Speaker 11: with law in Mexico and the US. She has holdings in.
Speaker 1: Now, why both places? Does she own stuff here?
Speaker 8: I don't.
Speaker 11: She doesn't own any property in the States currently, she
Speaker 11: has multiple accounts in the States. She does own property
Speaker 11: in Mexico.
Speaker 1: She might be overthinking this. How much property does she
Speaker 1: own in Mexico?
Speaker 8: It's just her home, it's.
Speaker 1: And is it paid for?
Speaker 2: It is?
Speaker 8: Yes?
Speaker 1: How much does it.
Speaker 8: Worth around five hundred thousand.
Speaker 6: Okay, what she and it's paid for? And then how
Speaker 6: much money in the state's total on bank accounts.
Speaker 8: She probably has a couple of millions.
Speaker 1: Okay, And she is she is she married? Single?
Speaker 8: Or what she was married? Her husband passed.
Speaker 6: So she's single, a couple million bucks, a house paid
Speaker 6: for in Mexico, and she's looking for a state planning
Speaker 6: right correct?
Speaker 1: Okay?
Speaker 6: Does she have a boyfriend which she liked to meet,
Speaker 6: a nice elderly American man who's pretty good shape.
Speaker 1: Just kidding, all.
Speaker 6: Right, So listen, man, I'm going to get one of
Speaker 6: our state planning attorneys on.
Speaker 1: I think you're overthinking it.
Speaker 6: Though, because here's if this was my mother.
Speaker 1: In law calling me. If this was my mother in
Speaker 1: law calling me, this is what I would do. I want.
Speaker 6: This is exactly what I view. I would take all
Speaker 6: of the bank accounts in America. Now does she First
Speaker 6: of all, I have to ask does she have multiple.
Speaker 1: Heirs or one main heir?
Speaker 8: She has two children?
Speaker 6: Okay, that's easy. And does she plan on doing everything
Speaker 6: fifty to fifty?
Speaker 8: Well, I guess her her husband's children are also there
Speaker 8: too there as.
Speaker 6: Well, well, her husband's children. Okay, but he died and
Speaker 6: everything went to the wife. Was there any will or
Speaker 6: any provision for those kids?
Speaker 8: I don't know that there was, but I think that
Speaker 8: she wants to make sure she does right by them
Speaker 8: as well.
Speaker 1: Okay, So how many heirs all together?
Speaker 8: If you're going so her two children and her husband's
Speaker 8: two children, and are they all going to get an
Speaker 8: equal amount? I couldn't say that with any certainty. I
Speaker 8: think that's her intention, but I it probably will not
Speaker 8: go that way.
Speaker 1: Do the do the kids all? Do the kids all
Speaker 1: know each other?
Speaker 8: Everybody does know each other?
Speaker 6: Yes?
Speaker 1: And is everyone friendly.
Speaker 8: Friendly?
Speaker 1: Yes? Would everyone accept a quarter of the estate.
Speaker 8: Potentially?
Speaker 6: Okay, Now, I'm not going to give you legal advice,
Speaker 6: but I'm going to tell you exactly what I would
Speaker 6: do for my mother in law.
Speaker 1: I would make the four heirs.
Speaker 6: Sign a part Now, now you're gonna also talk to
Speaker 6: an attorney behind the scenes, Kachina colorI.
Speaker 1: Is trying to get Dan mackenzie on I think. So
Speaker 1: here's what we're going to do.
Speaker 6: I would have the four airs sign a partnership agreement
Speaker 6: agreeing to take twenty five percent of whatever she leaves behind. Okay,
Speaker 6: and that they would not fight each other, and they
Speaker 6: would not fight each other for a dime more twenty
Speaker 6: five percent of net proceeds, meaning if they have to
Speaker 6: pay an income tax because of deferred earnings or whatever.
Speaker 6: Normally there's no estate tax. Okay, you don't have to
Speaker 6: worry about that, But I'm talking about other kinds of
Speaker 6: payments and expenses. Maybe an attorney. So they do an
Speaker 6: agreement outside of the estate saying, if we are what,
Speaker 6: we all agree that if we inherit something, it's going
Speaker 6: to be twenty five percent each.
Speaker 1: Okay, Okay. Now, then then.
Speaker 6: They can give the name, they can give the partnership
Speaker 6: a name, or it can be an LLC.
Speaker 1: Then I would do.
Speaker 6: In Mexico, there are equivalents to what are called beneficiary deeds.
Speaker 1: So you would hire a.
Speaker 6: Very simple, just a very quick thing with an attorney
Speaker 6: to have a beneficiary deed made out from.
Speaker 1: Her to the LLC or the partnership. It's that easy.
Speaker 6: So upon her death it goes directly to the LLC
Speaker 6: where they agreed to take twenty five percent each. And
Speaker 6: you also agree to sell the house and blah blah blah, okay,
Speaker 6: and you agree on how you're going to value.
Speaker 1: The house and sell it. That's all has to be
Speaker 1: done by an attorney.
Speaker 6: So in other words, we agree upon death, we're going
Speaker 6: to this LLC is going to get the house. We're
Speaker 6: going to have it appraised, maybe three times at the
Speaker 6: expense of the estate, and we're going to throw out
Speaker 6: the upper and lower bid and take the middle whatever
Speaker 6: or estimate or appraisal however they want to do it.
Speaker 6: And then they sell it and after expenses split the proceeds. Now,
Speaker 6: so now you have a beneficiaries deed going.
Speaker 8: To the LLC.
Speaker 6: Then in America you do the same thing with each account.
Speaker 6: How many accounts does she have?
Speaker 8: I don't know for sure. She has a couple in
Speaker 8: Costa Rica, yes, and she has several in the States.
Speaker 6: Costa Rica, compl Costa Rica, and Mexico. Again, it complicates
Speaker 6: things because those countries may not have payable on death certificates.
Speaker 6: But if she only had American bank accounts, you have
Speaker 6: the house in Mexico taken care of with the LLC. Now,
Speaker 6: what you want to do is payable on death certificates
Speaker 6: with the accounts, and if there are only a few accounts,
Speaker 6: five or.
Speaker 1: Ten, you can do payable on death certificates.
Speaker 6: So here's what happens on death. It doesn't even need
Speaker 6: a probate. Everything is passed directly to the heirs, the
Speaker 6: payable on death certificates, and the beneficiary deed goes to
Speaker 6: the LLC, and they've already agreed to split it up.
Speaker 6: I mean, it's really ultimately simple. Not all attorneys will
Speaker 6: agree to it because they want to charge you more.
Speaker 6: But I've told you what I would do, and you
Speaker 6: try to find an attorney who would facilitate it unless
Speaker 6: there's a legal reason not to.
Speaker 1: There might be rules I don't know about.
Speaker 6: For example, maybe the maybe the beneficiary deed in Mexico
Speaker 6: won't allow for a transfer.
Speaker 1: Maybe I don't know. But that's what I would do,
Speaker 1: and we're going to get in it should be.
Speaker 6: We're going to get an attorney on those. So hang
Speaker 6: on three oh three seven one three A two five five.
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Speaker 6: choose Frank durand the real estate Man dot com to
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Speaker 6: eighty eight Heating dot Com. Okay, So Daryl has a
Speaker 6: question about a multi country estate and we're getting Dan
Speaker 6: on after one. So Daryl, we're gonna call you back. Okay, Bro,
Speaker 6: that's the way it's going to have to work right now.
Speaker 1: But we will get you on because even though I
Speaker 1: gave you some do it yourself suggestions that I would do,
Speaker 1: I still want to run a buyer our to our
Speaker 1: state planning attorney.
Speaker 6: So we have Deputy d has some follow ups. Now,
Speaker 6: the last follow up he did. Remember it's about.
Speaker 1: Uh that dang.
Speaker 6: A nineteen eighty five dodge Ram toad okay was towed
Speaker 6: from a private apartment complex and the apartment complex did
Speaker 6: not request the toe. No one requested it, no one
Speaker 6: offered a twenty four hour notice, no one did anything legally.
Speaker 6: It was snagged and it was brought to a private lot.
Speaker 6: Here's what's weird. No one knows who did that. So
Speaker 6: it gets to a private lot, and then APT Towing
Speaker 6: towes it from a private lot.
Speaker 1: Again, we don't know if APT did it legally.
Speaker 6: I mean, obviously if it was towed there and dropped,
Speaker 6: it was illegal because the owner didn't do it. But
Speaker 6: what I mean is did APT even attempt to do
Speaker 6: what's required with a twenty four hour notice to the
Speaker 6: registration holder? And then once they got it and the
Speaker 6: registration holder found out.
Speaker 1: About it, why.
Speaker 6: Did they not offer them finance arrangements as required by law.
Speaker 6: APT wouldn't answer these questions. They hung up on us twice.
Speaker 6: APT cannot charge two grand and say pay it or else.
Speaker 6: They have to offer a financing arrangement. That's part of
Speaker 6: the new towing law. They also have to allow certain things.
Speaker 6: And we don't think they're doing anything. But there's nothing
Speaker 6: new on that one, right, No.
Speaker 1: There's nothing new in that.
Speaker 3: I did contact the PUC Press relations department. I left
Speaker 3: a voicemail for the lady and I just sent her
Speaker 3: an email and I told her this is really I
Speaker 3: humbly asked her to call right away because this is
Speaker 3: a very urgent issue. This vehicle is about to be sold.
Speaker 3: But Tom, the thing is, that's not your usual run
Speaker 3: of the mill used vehicle. This is a nineteen eighty
Speaker 3: five Dodge Ram. It's a valuable, valuable truck. How valuable
Speaker 3: between twenty and thirty thousand?
Speaker 8: Come on?
Speaker 1: Why?
Speaker 8: Yeah?
Speaker 1: Why now? Our call or Crystal did say they were
Speaker 1: planning to restore it. Yeah, but it's not worth in
Speaker 1: that condition? Is it worth? Is it worth that much
Speaker 1: in that condition?
Speaker 8: Well?
Speaker 3: I don't know what condition this vehicle is and now,
Speaker 3: but the point is if when it's good condition, it
Speaker 3: sells for twenty to thirty thousand, then it's got a
Speaker 3: half significant value right.
Speaker 1: Now is a restoration project.
Speaker 3: So in any case, even if it's worth fifty bucks,
Speaker 3: the lady no I need deserves to get her car back.
Speaker 1: So, waiting for the press relations.
Speaker 6: It says you're typically on eighty five Dodge RAM one
Speaker 6: fifty half ton in good condition with average specs is
Speaker 6: fourteen three sixty seven. The highest price of an eighty
Speaker 6: five Dodge at an auction over the last three years
Speaker 6: was twenty thousand, five hundred, So that might be at
Speaker 6: be you know.
Speaker 1: Regular restoration, that's right. I mean that's after it's been restored.
Speaker 6: No, this is before it's been restored. For these prices, Yeah,
Speaker 6: these are regular. These are regular manufactured trucks, not restored.
Speaker 8: Wow.
Speaker 1: So twenty grand twenty at an auction twenty thousand, five hundred.
Speaker 6: So I can understand why if somebody buys that at
Speaker 6: an auction, they's put ten into it, that's thirty then
Speaker 6: they want to get a few grand on top of it.
Speaker 3: Yeah, I can see why people would want to hold
Speaker 3: onto that truck. And I think that might explain why
Speaker 3: an unmarked tow truck showed up and snagged it out
Speaker 3: of the parking lot.
Speaker 1: They stole it. That's that's my that's my assessment of
Speaker 1: the situation in mine too.
Speaker 3: Now I do have some good updates though, Yeah, if
Speaker 3: go ahead, So you may recall that a couple of
Speaker 3: weeks ago, a lady called us.
Speaker 1: Because of her.
Speaker 3: Let me see here, I'm just looking for this. Do
Speaker 3: you remember the lady who called because of her? Her
Speaker 3: name was Raylen, and her buick was at the dealership
Speaker 3: and the part that it needed was a transmission computer
Speaker 3: basically TCM, and.
Speaker 6: It was on a very long back twenty twenty one
Speaker 6: Envision and it was that AutoNation.
Speaker 1: And they kept giving her a loaner car.
Speaker 6: Yeah, and she was afraid that that would run out
Speaker 6: that benefit and then she'd have to start paying for
Speaker 6: the loaner.
Speaker 1: And then she was also afraid she was never going
Speaker 1: to get the part.
Speaker 3: Yeah, the lady, the lady definitely needed help. She you know,
Speaker 3: she has some acknowledged she acknowledged on the air. I
Speaker 3: believe that she has some anxiety.
Speaker 1: And medical treatment.
Speaker 3: She needed a so and so she had a very
Speaker 3: difficult time dealing with it, and she was afraid that
Speaker 3: she was going to run out of the loaner, and
Speaker 3: at one point the dealer's credit card did run out
Speaker 3: of or their credit ran out at the rental company. Anyway,
Speaker 3: long story short, yesterday I had a great conversation with
Speaker 3: AutoNation Buick GMC West. It's all the way over there
Speaker 3: in West Colfax, kind of like where Lakewood becomes Golden,
Speaker 3: And I spoke with a very well informed gentleman in
Speaker 3: the same they have the car, they have the car,
Speaker 3: they stand ready to repair it under a Buick's warranty.
Speaker 3: And he said that just before it sounds like maybe
Speaker 3: a day or so before I called AutoNation Buick, they
Speaker 3: got a notification from GM saying, Hey, the part is
Speaker 3: going to be shipped.
Speaker 1: It's going to be available.
Speaker 3: It's going to be shipped in early February, which, as
Speaker 3: you know, is coming right up. So the gentleman at
Speaker 3: AutoNation assured me that I can tell Raylen that not
Speaker 3: only will the part be here, they're going to install it,
Speaker 3: they're going to fix her car, and they're going to
Speaker 3: continue to pay for her rental car until her car
Speaker 3: is fixed and ready to go. And I called Raylen
Speaker 3: told her the story. She was very leave she you know,
Speaker 3: she bursts into tears, kind of tears of you know,
Speaker 3: half I suppose. And so so I thought that was
Speaker 3: a really good resolution. And yeah, that's wonderful. Very impressed
Speaker 3: with how Automation b at GMC is handling this deal.
Speaker 3: He did explain to me that the dealership itself is
Speaker 3: paying for the rental car and has been paying for it.
Speaker 3: They hope to get reimbursed by GM, but still, what
Speaker 3: a you know, it's it's very nice of them to
Speaker 3: take care of it.
Speaker 1: It's totally nice. It's wonderful.
Speaker 6: So that's that's the update on all right you three
Speaker 6: oh three seven one three talks seven one three eight
Speaker 6: two five five Jordaniano, back to that question, I'm getting
Speaker 6: a text Tom. You asked about what would a typical
Speaker 6: rate of return? How much did it make over the
Speaker 6: past three years? Now, again, I want to make a
Speaker 6: few things clear. The rates of return, Jordan, This is
Speaker 6: something I want to ask before you tell me. Then
Speaker 6: you say, each one is different depending on their anniversary date,
Speaker 6: depending on how much they invested, depending on blah blah blah.
Speaker 6: But what I want to know is this, Well, yeah,
Speaker 6: so when you have an annuity, though, what good and
Speaker 6: I mean this sincerely, what good is the rate of return?
Speaker 11: Do you?
Speaker 1: What I mean is this?
Speaker 6: Let me ask that a better way if you get
Speaker 6: a higher rate of return during its life or a
Speaker 6: lower return. Let's say you pick a five year waiting
Speaker 6: period or a ten year waiting period or a thirty
Speaker 6: year whatever, whatever the investor wants, or they're going to
Speaker 6: do it instantly. But the income is decided on the
Speaker 6: day of conversion to income right, not before correct.
Speaker 9: So to your point, there's you give them.
Speaker 1: An you give them an estimate.
Speaker 6: You give them an estimate when they buy the annuity,
Speaker 6: so they put one hundred and fifty or two hundred
Speaker 6: grand in, you give them an estimate.
Speaker 1: But what actually determines the actual income?
Speaker 9: Yeah, so there's two counts. There's one that's tied to
Speaker 9: the market to your point, and that's the estimate side.
Speaker 9: It just uses the history and kind of gives an
Speaker 9: idea of what he could be like. And then there's
Speaker 9: been guaranteed side, which steps up you're a four and
Speaker 9: a half five percent on how old they are, and
Speaker 9: it steps up a half percent every every five years
Speaker 9: on the lifeline. So seventy seventy five.
Speaker 1: So the point is this, which one do they get?
Speaker 1: Which one do they get the two?
Speaker 5: Whichever is higher the two.
Speaker 9: What if they turn the money.
Speaker 6: So whichever is higher at the time they turn it
Speaker 6: into income is to new it tize that that amount
Speaker 6: you got it?
Speaker 1: Okay, we got more coming up.
Speaker 6: Now I'm going to ask what are some typical returns
Speaker 6: you've guys have been seeing? Right after this, go with
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Speaker 6: companies find out now three o three seven to seven
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Speaker 6: list your home with Remax Alliance three oh three nine
Speaker 6: two zero sixteen twenty two.
Speaker 1: Hey, I'm Tom Martine. You're troubleshooter three oh three seven
Speaker 1: one three talk three oh three seven one three eight
Speaker 1: two five five. So what's going on?
Speaker 6: How can we help you? We got a lot to
Speaker 6: talk about and on the annuity Jordan, I want to
Speaker 6: I want to ask again. Here's the way it works.
Speaker 6: You put a lump sum or you bank payments into
Speaker 6: an annuity. You get a guaranteed return. You get two accounts.
Speaker 6: One is a guarantee growth at a conservative rate, and
Speaker 6: then you have.
Speaker 1: An S and P.
Speaker 6: Well, you know, a margin account. It doesn't excuse me,
Speaker 6: a benchmark account. It doesn't under an indexed account, and
Speaker 6: it goes according to certain things in the stock market,
Speaker 6: but it is not trading stocks. It just is an
Speaker 6: index and this index fund guarantees that return and then
Speaker 6: you get the higher of the two at the time
Speaker 6: you annuitize it and turn it into income.
Speaker 1: But what we want to know is what has been
Speaker 1: the bigger of the two accounts, Let's say, in the
Speaker 1: last three years, if you can pick one and tell.
Speaker 9: Us, yeah, so really looking at three years having either
Speaker 9: side and that kind of ran some examples here too,
Speaker 9: if we want to talk about real numbers, But looking
Speaker 9: at this, you're going to have really about fourteen to
Speaker 9: sixteen seventy percent on the market index side based off
Speaker 9: of the last three years, you know, and this is
Speaker 9: again history.
Speaker 1: Then really really yeah, okays, the guarantee side, so it's about.
Speaker 6: It's about it's about half of the S and P,
Speaker 6: which is okay, And that's for someone older who wants
Speaker 6: less risk. Of course, because the S and P hasn't
Speaker 6: always been doing this great, it could be lower, all right,
Speaker 6: So then.
Speaker 1: That's good to know. And then the guarantees were what
Speaker 1: about six and.
Speaker 9: A half, So look at that dollar amount. The guarantees
Speaker 9: put you up to about twenty two percent, about twenty
Speaker 9: two and a half, you know. So they give you
Speaker 9: the guaranteed on this example, which would be higher.
Speaker 6: Wait wait wait wait, wait, wait wait wait, but they
Speaker 6: don't add them together.
Speaker 9: I say that again.
Speaker 1: Sorry, you don't add the guarantee along with the index part,
Speaker 1: do you.
Speaker 9: No, So there are two accounts. The index side is
Speaker 9: going to go truly off the S and P five hundred,
Speaker 9: that's the one that's crea on that fourteen to sixteen percent.
Speaker 9: The guaranteed side also starts with the same dollar amount
Speaker 9: that you start with in the beginning, and it just
Speaker 9: ratches up guarantee every single year, no matter what.
Speaker 5: Nothing to do with the market, right, And so that's right, okay,
Speaker 5: got it.
Speaker 1: They give you then at the end.
Speaker 6: At the end, when you're going to a new ad
Speaker 6: tize it. It's it turns into income based on the
Speaker 6: higher amount.
Speaker 9: Correct whicheveryone wins the race. That's sort of look at.
Speaker 1: It, Okay, well that's pretty cool. That's pretty cool.
Speaker 6: So I mean, and again what I want to tell
Speaker 6: people again, you know, the stock market goes up, but
Speaker 6: it also goes down. Lately, we've been all spoiled because
Speaker 6: all things have been doing is going up, up, up,
Speaker 6: up up. And you do not participate one hundred percent.
Speaker 6: I do not believe with an annuity in the market.
Speaker 6: But you also have the guaranteed never to lose. But
Speaker 6: so in the last three years that it's been returning
Speaker 6: a damn good amount. But some might say, well, that's
Speaker 6: not what the S and P did. But I want
Speaker 6: to say a couple of things about the S and P.
Speaker 6: And I always talk to people about this, and Jordan,
Speaker 6: you probably realized this. People talk all day long about
Speaker 6: the S and P. But you know, I probably never
Speaker 6: met an investor who simply lets something sit in an
Speaker 6: S and P five hundred indexed account or or an
Speaker 6: EFT exchange or an e ETF I mean exchange traded fun.
Speaker 6: So while people talk about the the S and P
Speaker 6: five hundred all day long, and people very seldom get
Speaker 6: that return in their personal investments.
Speaker 1: Very seldom. You agreed, I agree.
Speaker 9: Yeah, you got to be able to did versify and
Speaker 9: have a little bit of that change.
Speaker 8: And you're right.
Speaker 9: Sometimes people get the timing wrong or timing right, so
Speaker 9: it just depends.
Speaker 1: Okay, we got to take a break on, Tom Martine.
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Speaker 6: of insurance companies find out now three O three seven
Speaker 6: to seven to one help. You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate Man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: oh three nine two zero sixteen twenty two.
Speaker 11: News.
Speaker 1: Running's just as fast as you can. Shooter's gonna help
Speaker 1: coming man.
Speaker 4: This is the Troubleshooter Show. No Tom Martine.
Speaker 7: Welcome, Welcome, my friends to the only show of it's kind.
Speaker 7: We're here to solve problems, answer questions, take complaints.
Speaker 1: You guys understand the show by now.
Speaker 7: We're here to make your life just a little bit
Speaker 7: better you've been ripped off or taken advantage of. The
Speaker 7: phone number is simple, In fact, it's so simple you
Speaker 7: probably already know it. But it's three oh three Martino.
Speaker 7: As you know, that number works on and off the air.
Speaker 7: You can also email us at any time. It help
Speaker 7: at troubleshooter dot com.
Speaker 6: What's going on, Tommy, Yeah, but I'm I'm dealing with
Speaker 6: crap off the air. But hey, when we let me
Speaker 6: just change that picture here for those streaming, I'm sorry guys.
Speaker 1: Anyway, So let's talk about this Mark.
Speaker 6: As far as a question for Jordan, we have somebody
Speaker 6: on the line who has a question. So go ahead,
Speaker 6: let's find out what it's about. Become the banker, Sam,
Speaker 6: go ahead, Yeah.
Speaker 16: Question, when it comes time to retire, are we stuck
Speaker 16: with this company on whatever however rate they use to
Speaker 16: annuitize for our life or can we do a tax
Speaker 16: free change to a different insurance company where we might
Speaker 16: get a better lifetime annuity, you know, in terms of it?
Speaker 10: Well, how long?
Speaker 6: Okay, Okay, hold on, hold on, that's all on the math.
Speaker 6: Let me explain, and maybe Jordan will chime in, or
Speaker 6: Joe Cannell. Here's the deal. When you grow an annuity
Speaker 6: with these guys, or with anyone, you will get the
Speaker 6: hire of whatever account has been indexed to your benefit,
Speaker 6: and that will be annuitized when you want to turn
Speaker 6: it into income.
Speaker 1: If you choose not to annuitize it and.
Speaker 6: You want to take that lump sum and go somewhere else,
Speaker 6: you could theoretically do that. They can't keep your money,
Speaker 6: but you can't turn it into income and do it.
Speaker 6: You have to do it before you turn it into income.
Speaker 6: But I'm going to let them chime in on this.
Speaker 6: I do not believe, and I might be wrong. I
Speaker 6: do not believe that could be mathematically advantageous to you.
Speaker 1: But maybe it could be. Maybe people have done it
Speaker 1: with them.
Speaker 6: I don't know, guys that people come to you with
Speaker 6: an existing annuity that you cashed out and put in
Speaker 6: another one.
Speaker 1: I mean, talk about he has a good question. Who
Speaker 1: wants to take this?
Speaker 8: I take it to me, you know, real quickly.
Speaker 15: I'm out of town, not any a financial seminar right now,
Speaker 15: but I'm gonna break and I want to cover that
Speaker 15: with you, and also some of.
Speaker 8: The previous questions.
Speaker 15: If you have time that you ask Jordan, But it
Speaker 15: would not be through a persa's advantage to transfer an
Speaker 15: existing annuity that is already ready to pay an income
Speaker 15: stream and change it to a new one, because see,
Speaker 15: the annuity can have a cost of living increase on
Speaker 15: the income stream if the client wants it, so they
Speaker 15: don't have to be stuck with the same payment for
Speaker 15: the rest of their lives. They can get just like
Speaker 15: Deputy Duck. You know, your deputy has an annuity that
Speaker 15: he gets a percentage increase based on the cost of
Speaker 15: living index every single year and his tickle pink about it.
Speaker 15: So there's a lot of potential. I think clients need
Speaker 15: to be educated about how the annuity really truly works
Speaker 15: and how it compares to a risky, non guaranteed investment
Speaker 15: in the stock market that has no guarantees.
Speaker 1: Does that make sense?
Speaker 6: Here's the butt, Yeah, of course. What other previous questions
Speaker 6: you do want to address.
Speaker 15: Well, you were talking to Jordan about what the SMP
Speaker 15: has done.
Speaker 8: Over the last three or four years.
Speaker 15: Okay, you see the s MP as an index, right,
Speaker 15: and you know, and you explained that quite well. Just
Speaker 15: like any any financial advisor the sells mutual funds or
Speaker 15: stocks or bonds, you know, they don't have a crystal
Speaker 15: ball as to what the SMP or any investment. I
Speaker 15: don't care who you are. If you're an investor, you
Speaker 15: have asked your ask your financial plattern. Can you guarantee
Speaker 15: me that I never lose my money? What do you
Speaker 15: think they're going to say, tom as if a douciary,
Speaker 15: what would you say to that?
Speaker 5: Can you guarantee people, well, they're not going to.
Speaker 14: Lose their money?
Speaker 1: Of course not, of course not.
Speaker 10: Well.
Speaker 15: The annuity, on the other hand, guarantees that people will
Speaker 15: not lose their principle or their gains. So we're talking
Speaker 15: about two different strategies. Somebody wants really and don't want
Speaker 15: to lose their money potentially, then they should go with
Speaker 15: a broker or a financial advice to stalk some Well.
Speaker 1: Joe, Joe, listen, I agree, I agree with you. I
Speaker 1: agree with you.
Speaker 6: But there's also a time to manage your risk and
Speaker 6: to make smart investments as well. Certainly, I don't think
Speaker 6: a fix indextinuity is for everyone at every stage of
Speaker 6: their life.
Speaker 15: You know, some people get it young and they actually
Speaker 15: even we have we have clients with that buy annuities
Speaker 15: for their grand children.
Speaker 6: Well that's wonderful. Okay, so a lot of people buy things.
Speaker 6: A lot of people buy things. But Joe, if you're
Speaker 6: asking me, do I believe annuities is for everyone at
Speaker 6: every stage in their life?
Speaker 1: My answer is hell, no, it's not. Okay.
Speaker 6: You may think differently, that's fine, we can disagree. You're
Speaker 6: a good man, you have your reasons, but I am
Speaker 6: telling you that to suggest that one investment is good
Speaker 6: for everyone at every stage in their life, in my opinion,
Speaker 6: doesn't hold water.
Speaker 15: I'm not saying that doom. I'm saying that the stock market,
Speaker 15: that's true.
Speaker 1: Not for everyone either, That's exactly right.
Speaker 8: But so that's what the client want.
Speaker 6: One of the black one of the black marks, one
Speaker 6: of the black marks in the stock market. And listen,
Speaker 6: I want to make this very clear. The reason I
Speaker 6: can talk to Joe like this is because I know
Speaker 6: Joe is a good man. I endorse him for a reason,
Speaker 6: and I know what he's done for people. I mean,
Speaker 6: I don't want you to mistake this is some kind
Speaker 6: of disagreement is these are we're discussing philosophies. Sure, but
Speaker 6: I know one of the big black marks in the
Speaker 6: stock market are all of these people who turn and
Speaker 6: churn people's accounts, or these brokerage houses, or these people
Speaker 6: that get these unsuspected investors and slam the hell out
Speaker 6: of them.
Speaker 1: And you're absolutely right. They have major gains in major losses.
Speaker 6: The problem is to make up a loss takes twice
Speaker 6: as long and get a gain, so they.
Speaker 1: End up in the negative. And I said this even
Speaker 1: though the S and P. Five hundred does you.
Speaker 6: Can look at it the last five years, for God's sakes,
Speaker 6: the compound of returns are near fifty eight percent. But
Speaker 6: I don't know one person, not one who's made fifty
Speaker 6: eight percent over the last five years. Because no one
Speaker 6: takes advantage of solid investments. Everyone wants to get rich quick.
Speaker 6: They end up losing money.
Speaker 1: So you're right, I would say.
Speaker 6: Ninety eight percent of the time these jerks in the
Speaker 6: stock market end up losing. And having a smart place
Speaker 6: dinnuity even for someone younger, could be wiser, but it's
Speaker 6: not wiser because of the product as much as it
Speaker 6: is wiser because of the other stupid decisions they make.
Speaker 1: That's the point I'm making, and you're right.
Speaker 15: And it's also wiser to choose the right financial planner,
Speaker 15: one who's at they call educate it and with experienced them.
Speaker 15: In our firm, we got, of course, years of financial
Speaker 15: planning experience, so we represented the stock market before I
Speaker 15: had all my licenses.
Speaker 8: I was a stalk broker.
Speaker 1: I get it.
Speaker 8: I couldn't.
Speaker 1: I could get it. I couldn't.
Speaker 15: I couldn't bear the pain on people's eyes and faces
Speaker 15: when they take to retire and they didn't have the
Speaker 15: money that they were hoping to have. Yet, an annuity
Speaker 15: is guaranteed not to lose the principle that you put
Speaker 15: in or the games, and they're going to get in.
Speaker 8: I get that.
Speaker 15: Indeed, inca for lifetom. So we're talking about night day.
Speaker 6: But because here's the problem, because there are a lot
Speaker 6: of idiots out there who call themselves financial advisors that
Speaker 6: in my opinion and again and again, I have a
Speaker 6: vested interest here. Everyone knows Joe that I started Wave
Speaker 6: Wealth Management, and I'm not trying to compete with you
Speaker 6: at all because I tell people, go call Joe, you
Speaker 6: need an annuity.
Speaker 1: I tell them, and I have no problem with that.
Speaker 6: But what I'm saying is this, to suggest an annuity
Speaker 6: is a product, a preferred product because everyone or most
Speaker 6: everyone advising them in the stock market are idiots, does
Speaker 6: not make the stock market the idiot. It doesn't make
Speaker 6: the investor the idiot. It makes the financial advisor an
Speaker 6: idiot because they're charging for assets under management and they
Speaker 6: don't give a goddamn what happens to the returns, And
Speaker 6: that's the problem. They churn and move people or they
Speaker 6: don't even know their investor. Joe and Jordan get to
Speaker 6: know everyone and then they make suggestions based on their
Speaker 6: individual circumstances. We're both in agreement, Joe. I'm simply saying
Speaker 6: that when you say you believe a fixed indestinuity can
Speaker 6: benefit everyone, the reason is because there are a bunch
Speaker 6: of idiots out there advising those people.
Speaker 15: That's why, Well, you know, Tom, There's only one thing
Speaker 15: I want to say, and that is, you know, if
Speaker 15: you really have come face to face with a client
Speaker 15: and ask them one simple question, how much money can
Speaker 15: you afford to lose? What do you think that they
Speaker 15: will say? Can they say I Joe one hundred thousand
Speaker 15: or two hundred thousand. Okay, be my gifts go with
Speaker 15: the stock market, but if.
Speaker 1: They cannot loose a single parent, you're assuming.
Speaker 6: You're assuming every time someone goes with a stock market,
Speaker 6: they're taking major risks with major losses.
Speaker 1: And I am telling you that doesn't have to happen.
Speaker 2: Now.
Speaker 1: No one can guarantee a return ever, but you can
Speaker 1: guarantee that you're not going to be churning people. That
Speaker 1: those are the ones that get hurt. If someone truly
Speaker 1: went by.
Speaker 6: Themselves into an S and P five hundred exchange traded
Speaker 6: fund and ETF, they would truly get the return that
Speaker 6: the S and P did. They would truly get it.
Speaker 6: I mean, it wouldn't be it wouldn't be a joke.
Speaker 6: It would actually happen. But no one does it. That's
Speaker 6: the problem.
Speaker 1: No one does it.
Speaker 6: So to suggest that they should buy an annuity because
Speaker 6: everyone else is an idiot doesn't hold water. Because I
Speaker 6: am saying that there is a time to have an annuity,
Speaker 6: but it's not every time. I'm sorry, Okay, I don't
Speaker 6: think it's every time. I think it's much of the time, but.
Speaker 1: Not every time.
Speaker 6: Because I have faith that there are people who can
Speaker 6: do investing the right way.
Speaker 1: That's all I'm saying.
Speaker 6: And I think you're talking about the stock market in
Speaker 6: a way that you should be talking about the people
Speaker 6: who invest their money and lose them tons of money.
Speaker 1: Again, I want to.
Speaker 6: Make it very clear, Joe wouldn't be on the show
Speaker 6: if I didn't believe in fixed indextinuities.
Speaker 1: And I think there's a time and place for it.
Speaker 1: I do truly believe that we have more coming up.
Speaker 6: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up, free no obligation comparison
Speaker 6: call Compass Insurance. Pay too much your coverage at dozens
Speaker 6: of insurance companies find out now three oh three seven
Speaker 6: to seven to one help. You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate Man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: oh three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 6: you're a troubleshooter. Three o three seven one three talk
Speaker 6: seven one three eight two five five.
Speaker 1: Welcome to the show.
Speaker 6: Here to help you solve problems, answer questions, and take
Speaker 6: complaints and make your life just.
Speaker 1: A little easier.
Speaker 6: So let's talk about some of the uh things in
Speaker 6: the news that we should be talking about.
Speaker 1: Some stuff going on. And here's the thing. A lot
Speaker 1: of people say that they don't see inflation coming down
Speaker 1: anytime soon.
Speaker 6: And this is going to be one of the biggest
Speaker 6: challenges of the presidency. Again not political. They just don't think. Now,
Speaker 6: I don't know what's happening, but that is the bottom
Speaker 6: line with concerns.
Speaker 1: I have hope.
Speaker 6: Who knows, I think so far, it's too soon to tell.
Speaker 6: Now this is really important. Dan Caplis loves talking about
Speaker 6: legalization of marijuana and house destroying our nation and our state.
Speaker 1: And he's right. I mean, I don't know if it's destroying,
Speaker 1: but I will tell you this.
Speaker 6: There has the largest ever study done on cannabis and
Speaker 6: brain function, by the way, done right here, part of
Speaker 6: it right here in Colorado by UCEE Health and it
Speaker 6: was published in JAMA the Journal of American Medicine or
Speaker 6: something like that.
Speaker 1: Now listen to this.
Speaker 6: They found that regular use of cannabis products of any
Speaker 6: kind the largest study of its kind ever by using
Speaker 6: more than one thousand adults ages twenty two to thirty
Speaker 6: six years old using brain imagery. It found that sixty
Speaker 6: three percent of these people had impaired memory and impaired
Speaker 6: cognitive ability. And then it says so that was so,
Speaker 6: and also sixty eight percent, sixty eight percent of them
Speaker 6: had other problems with their brain. Now, I'm not telling
Speaker 6: you don't smoke dop. I'm not here moralizing. I'm just
Speaker 6: telling you this is a major study. By the way,
Speaker 6: you see at hand Shoots, the medical campus did this.
Speaker 6: That was they were part of it, you see, health
Speaker 6: and they did a long, long study. Think about that,
Speaker 6: a thousand young adults, thousand brain imaging, chemistry, blood everything,
Speaker 6: questionnaires and if you want to get into it, you
Speaker 6: can look it up online. In fact, you can go
Speaker 6: to news dot cun Shoots dot edu look it up.
Speaker 6: So basically, they're saying that it does have an effect
Speaker 6: on our brain function. You know, once years ago, I remember,
Speaker 6: I might have been in my fifties, late fifties, maybe
Speaker 6: early sixty. Iway, I challenged potsmokers of any age, young
Speaker 6: the younger the better to a game against me. Now,
Speaker 6: they didn't even have to be high at the time
Speaker 6: they could if they wanted to be, but to come
Speaker 6: into the studio and to have a game, several games
Speaker 6: of reactions.
Speaker 1: To me, do you know what reactionary games are?
Speaker 6: Like hot hands, press the buzzers, when you see a color,
Speaker 6: all kinds of stuff, reaction games.
Speaker 1: That's all just reaction.
Speaker 6: And it takes a cognitive ability, and then it takes
Speaker 6: a motor skill memory and well not memory, but motor skill.
Speaker 1: What do they call eye hand coordination?
Speaker 8: Right?
Speaker 1: Okay, so I had some young whipper snappers, Mark, do
Speaker 1: you remember this at all? I I don't remember that.
Speaker 6: Okay, we had some young Oh we had another one
Speaker 6: that was funny. Well, we had some young whipper snappers
Speaker 6: come in and I beat the hell out of them.
Speaker 6: Every single time. The kids in their twenties thought, oh,
Speaker 6: then this old guy bam bam, bam bam. They couldn't
Speaker 6: even come close to me. Now, I won't even talk
Speaker 6: about thumb wrestling because that's not hand eye coordination.
Speaker 1: That's just I'm an expert.
Speaker 6: But in any case, we did hot hands, and we
Speaker 6: did other kinds of buzzer games and computer stuff, and
Speaker 6: they couldn't come close. Now was it because the pot
Speaker 6: they all identified themselves of heavy pot smokers, so I
Speaker 6: don't know.
Speaker 1: It was a fun thing we did.
Speaker 6: Then we did another one one time because I was
Speaker 6: so sick and tired of people saying, you go to
Speaker 6: a doctor certain doctors, And I don't want to make
Speaker 6: fun of people, because again I don't like making fun
Speaker 6: of people's.
Speaker 1: Beliefs and philosophies.
Speaker 6: But if you heard of where they hold They have
Speaker 6: vitamins in a vial and you hold it in your
Speaker 6: hand and they do the muscle testing, so they push
Speaker 6: down on your arms. Now obviously they ah, God, it's
Speaker 6: to me, it's like the Wigi board. You can make
Speaker 6: that Wigi board go anywhere you want with a bunch
Speaker 6: of friends, and it seems like it's vibrating on its own.
Speaker 1: Here's the bottom line.
Speaker 6: The same with a pendulum on a string, whether it
Speaker 6: goes back and forth or in a circle, you are
Speaker 6: doing that psychologically on your own.
Speaker 1: You don't think you are, but you are.
Speaker 8: Well.
Speaker 6: I believe the same thing with these You hold the
Speaker 6: vitem into your hand and they do a muscle test,
Speaker 6: and the one that's supposed to be good for you
Speaker 6: you'll be strong, and the one that's bad for you
Speaker 6: you don't need, you'll be weak, and then the one
Speaker 6: that you don't need probably won't do much. So I
Speaker 6: one time challenge somebody to this check. I said, I
Speaker 6: want you to do it in the studio. I want
Speaker 6: you to do it with people in the studio, and
Speaker 6: I want you to see if you can do it
Speaker 6: consistently with the same people in the same studio, including yourself.
Speaker 1: Only one thing I don't want you to know. I
Speaker 1: want to be the.
Speaker 6: Only one who knows what's in the vials, because when
Speaker 6: a do they call that applied tenesiology or whatever they
Speaker 6: call this, I don't know what they call muscle testing.
Speaker 6: So whenever they would take something that was bad, like
Speaker 6: tobacco in a tin little tin screw on those little
Speaker 6: film vials or whatever, I don't know, I call them film.
Speaker 6: They're supposed to be a little you know, something that
Speaker 6: holds the substance. So it's either vitamin C, B E.
Speaker 6: It could be cannabis, it could be tobacco, it could
Speaker 6: be anything. It could be mercury, it could be and
Speaker 6: then you hold it and you do a certain muscle test.
Speaker 6: It is my belief that the practitioner doing this test
Speaker 6: psychologically will press harder or softer, depending on what the
Speaker 6: substance is. So if there's tobacco in a vial, they
Speaker 6: know tobacco's bad for you, so they're going to press
Speaker 6: a little harder.
Speaker 1: And you're going to be weaker.
Speaker 6: Now they say, oh, that doesn't happen, and I said, okay,
Speaker 6: then prove it. I will get vials filled with stuff
Speaker 6: and I'll only know what's in them.
Speaker 1: They wouldn't do it. They wouldn't do it.
Speaker 6: They ah, no, no, And I said, well, what do
Speaker 6: you mean if if you take six vials or ten
Speaker 6: vials and muscle test someone, you're telling me it's the
Speaker 6: substance in the vial that makes them stronger or weaker.
Speaker 6: It's not your knowledge of those And he says, well,
Speaker 6: there's a spiritual connection as well, and I said, yeah, right,
Speaker 6: horse crap. So here's my challenge. Anybody who believes they
Speaker 6: can muscle test someone for a substance, You're welcome to
Speaker 6: come to my studio, and I swear to God, I'll
Speaker 6: give you the biggest praise and cheers in the world.
Speaker 1: If you can do it.
Speaker 6: But you can't know what's in the vials, because objectively,
Speaker 6: if someone truly is weakened by a substance. They would
Speaker 6: be weakened by a substance, whether you know what it
Speaker 6: is or not. And if they're strengthened by a substance,
Speaker 6: they would be strengthened, whether you know what it is
Speaker 6: or not.
Speaker 1: So anyone who does this, you're free to come into
Speaker 1: my home or to my studio, and I want to
Speaker 1: see it.
Speaker 6: Will take subjects and substances and see what happens. No
Speaker 6: one can do it, Sorry, it won't happen. So three
Speaker 6: O three seven one three talk seven to one, three
Speaker 6: eight eight two.
Speaker 1: Five to five.
Speaker 6: Now, Tom, going back to that caller of the casino,
Speaker 6: if they kicked him out of the casino, it doesn't
Speaker 6: mean even though they can legally do it, that is
Speaker 6: good business. And I know winning could result in me
Speaker 6: being trespassed from there or yeah, whatever they're trying to say,
Speaker 6: that comes from an earlier caller. If you are too
Speaker 6: good at what you do at a casino, they don't
Speaker 6: have to have a reason to kick you out.
Speaker 1: They often do make up a reason. You know, you're
Speaker 1: a what do they call it, advanced player, advantage player?
Speaker 6: Advantage player, meaning you're counting cards or you're looking for
Speaker 6: things telltale signs edge. You look at the edges of cards,
Speaker 6: you can read them, you can memorize them. Whatever they say,
Speaker 6: that's not gambling. So in that regard, you can be
Speaker 6: kicked out of a casino for any reason at any time.
Speaker 6: And this texture says that might be legal, but it's
Speaker 6: stick supid now it says here, Uh, what's that? Oh,
Speaker 6: I'll take the break right now then. I'm Tom Martinez.
Speaker 6: We have more coming up. We have Joe and Jordan
Speaker 6: Piano my Moneymway dot com. They're going to have an
Speaker 6: event coming up soon to talk about retirement options, and
Speaker 6: we'll talk about that and more right after this. Go
Speaker 6: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 6: You don't pay a cent until you're content. Time for
Speaker 6: an insurance checkup free no obligation comparison call Compass Insurance
Speaker 6: paying too much your coverage at dozens of insurance companies
Speaker 6: find out now three O three seven to seven to
Speaker 6: one help. You'll think you're his only customer when you
Speaker 6: choose Frank durand the real estate Man dot com to
Speaker 6: list your home with Remax Alliance three three nine two
Speaker 6: zero sixteen twenty two. Hi, Tom Martino, you're a troubleshooter.
Speaker 6: Three zero three seven one three talk seven one three
Speaker 6: eight two five five. Dan Mackenzie attorney at Law Mackenzie Law.
Speaker 6: He does estate planning. I love picking his brain about things.
Speaker 6: I'm gonna go back to this call we had. Even
Speaker 6: if we can't get the caller on, but if we can,
Speaker 6: that's even better. So, Kachina, are you attempting to caller on?
Speaker 6: I can start summarizing the problem.
Speaker 1: We have Dan Mackenzie on, and also Darryl who was
Speaker 1: the call Thank you very much. Yes, hey Darryl, allow
Speaker 1: me to summarize this, Hey Dan, Dan, Yeah, okay, Hi listen.
Speaker 6: So we have a woman who lives in Mexico. Hey, Daryl,
Speaker 6: is she an American? Is she an American citizen or
Speaker 6: a Mexican citizen. She has dual citizens dual citizenship, and
Speaker 6: she lives in Mexico, and she has a house that's
Speaker 6: paid for five hundred thousand dollars about and she has
Speaker 6: about two million dollars in bank accounts, mostly in the US,
Speaker 6: and a couple in Mexico and a couple in Costa Rica.
Speaker 1: That's her situation.
Speaker 6: A couple million in bank accounts spread across three countries
Speaker 6: and a house in Mexico worth about five hundred paid off.
Speaker 6: She's got four heirs that she plans on distributing twenty
Speaker 6: five percent each. I want to know the easiest way
Speaker 6: to do this, Dan, What I said was maybe, and
Speaker 6: again I'm just taking an amateuristic stab at this. Maybe
Speaker 6: they form an LLC first of all among the four,
Speaker 6: saying that they would agree to split everything twenty five
Speaker 6: percent that's sent to the LLC. And then maybe she
Speaker 6: does a form of a fisheries deed for the Mexican
Speaker 6: home and payable on death certificates for the bank accounts.
Speaker 6: But I don't even know if that's possible cross country lines.
Speaker 1: So can you weigh in on this?
Speaker 17: Yeah?
Speaker 18: I mean it's whatever whatever is done with the property
Speaker 18: in Mexico or wherever else other items are is going
Speaker 18: to be done according to their laws. Even within the
Speaker 18: United States, you know. I you know, Colorado court can't
Speaker 18: direct where like Kansas property goes, so you have to
Speaker 18: do something to put them in some sort of entity.
Speaker 18: So the LLC idea is an interesting one. I take
Speaker 18: it that the four do get along with each other.
Speaker 18: On the same page about all this.
Speaker 1: Yeah, they he says, they probably will.
Speaker 10: Yes, Okay, I don't know.
Speaker 18: I mean, I know, you know, obviously Mexico has its
Speaker 18: own rules that I think that I've heard that they
Speaker 18: require some sort of like free registration of how you
Speaker 18: want would want property distributed if you passed away, like
Speaker 18: when you own real estate there. But that is really
Speaker 18: secondhand and that knowledge is a little bit out of date,
Speaker 18: so I don't really know if that's true or not,
Speaker 18: but it's now.
Speaker 6: But let me ask you something, though, Would you need
Speaker 6: a would you need an attorney, like let's say, bank
Speaker 6: accounts in Costa Rica.
Speaker 1: I mean, we don't even know what they would need.
Speaker 18: Right right, Yeah, it'd be good if she could, if
Speaker 18: she I mean, certainly for banks, it seems like it
Speaker 18: should be possible to talk to somebody and get an
Speaker 18: explanation that what they would need. Real estate is a
Speaker 18: little bit trickier, So I really would urge her to
Speaker 18: consult with an attorney in Mexico familiar with their laws.
Speaker 18: But I think you might be on the right track.
Speaker 1: That is not a bad idea.
Speaker 18: But when you got to spread out all of the
Speaker 18: place to kind of centralize them into one spot. I
Speaker 18: don't know if it's Hell Mexico has an LLC or
Speaker 18: if that would be done here or not. It seems
Speaker 18: like she lives there, she's got property there. It seems
Speaker 18: like the planning should originate there.
Speaker 1: Yeah, so they should get an attorney there then, Yeah.
Speaker 18: I would definitely, I would definitely recommend that.
Speaker 6: And the can that attorney then reach into the United
Speaker 6: States for payable on death certificates or what?
Speaker 18: Yes, I mean that is also going to depend on,
Speaker 18: Like with a payable on death the institution that you
Speaker 18: know has that, they probably have some sort of agreement
Speaker 18: that you're signing by directing those items to wherever you're
Speaker 18: directing it to, you just want to make sure that
Speaker 18: they are.
Speaker 1: Hey, I have an idea special procedures, Darryl, Yes, sir,
Speaker 1: what about how old is she now?
Speaker 11: A agree?
Speaker 1: Is she in good health? Is she in good health?
Speaker 8: Good health?
Speaker 11: Yes?
Speaker 6: Yeah, she might And Dan, this might be a silly idea,
Speaker 6: but maybe she might want to consolidate her bank accounts
Speaker 6: all into the US. Maybe that would allow a payable
Speaker 6: on death certificate paid out on her death even though
Speaker 6: she's well, No, she's an American citizen. I mean, then
Speaker 6: you don't have to worry about the Costa Rica thing
Speaker 6: and the Mexican thing. All you'd have to contend with
Speaker 6: is the house.
Speaker 1: Couldn't all the taxes wait wait wait wait wait.
Speaker 7: Couldn't all the tax ramifications be completely different?
Speaker 1: Where they inherit this money? Yes, I guess they could be, Mark,
Speaker 1: I guess they could be.
Speaker 6: I but we know, Mark, that that the United States
Speaker 6: has beneficial the most beneficial laws.
Speaker 1: There is no tax on two million dollars.
Speaker 6: So let's say that she consolidates all her accounts into
Speaker 6: a couple of US accounts.
Speaker 1: What can do better than zero taxes? Well, I don't know,
Speaker 1: because I don't know the laws in other countries, but
Speaker 1: I know there.
Speaker 6: Is But even but what I'm saying, Mark, even if
Speaker 6: they're the same, no one's going to do better than
Speaker 6: zero taxes.
Speaker 1: The government's not going to do anything better. But I'm
Speaker 1: saying in Mexico, I don't know the answer to this.
Speaker 7: In Mexico, if I leave my kid a half a
Speaker 7: million dollar house, is that it they owe no taxes?
Speaker 2: Oh?
Speaker 1: I don't.
Speaker 6: I don't know about the house I was talking about doing.
Speaker 6: Doing the bank accounts in the US with payable on
Speaker 6: death certificates. They're out of the way now now you
Speaker 6: worry about the house. I don't know, Dan, I mean,
Speaker 6: why would they have to keep them in Mexico and
Speaker 6: Costa Rica and and gum up the works.
Speaker 18: What do you think, I mean, if she's in good
Speaker 18: health and she can consolidate things, I don't know what
Speaker 18: the You know that maybe there's some reason that she's
Speaker 18: got the money in the in the Costa Rica accounts,
Speaker 18: but uh, consolidation is always helpful, even with them.
Speaker 6: And then another thing, do you know there's joint ownership
Speaker 6: with right of survivorship that uh, they could do a
Speaker 6: deed right now in Mexico with the LLC, and the
Speaker 6: LLC would automatically inherit it. They they recognize this as
Speaker 6: joint ownership right of survivorship in Mexico.
Speaker 1: Interesting and yup. And then they said also.
Speaker 6: They recognize normal wills as well, that a simple will
Speaker 6: drafted leaving the house to American citizens would be honored.
Speaker 18: Yeah, it's interesting because like here you can't really you
Speaker 18: can't jointly hold something with an enmity because joint ownership
Speaker 18: is about what happens.
Speaker 6: Oh, I didn't No, no, No, that was me that
Speaker 6: they just said joint ownership with right of survivorship. In
Speaker 6: some cases, property can be held jointly with the ownership
Speaker 6: of two parties. Now, now I just threw that in
Speaker 6: the LC, Sir, I did not read that. Okay, it
Speaker 6: could be that it has to be an individual. So
Speaker 6: what would your first step be for them if they
Speaker 6: came to see you or called you? What would the
Speaker 6: first step be?
Speaker 18: I mean I would when I have out of country
Speaker 18: assets that I'm dealing with, I often do try and
Speaker 18: sign someone in that country. The United States has treaties
Speaker 18: with a bunch of different countries on how they're going
Speaker 18: to handle transfers and what's possible with regard to estate
Speaker 18: planned documents. And I don't really know. I'd have to
Speaker 18: think through this one a little bit because it sounds
Speaker 18: like there's a few different, few different countries involved.
Speaker 1: Actually, so yeah, but Darryl.
Speaker 6: I don't think you'd ever have a problem unless there's
Speaker 6: a reason she is in Costa Rica or something. But
Speaker 6: I think the first step is to simplify things and
Speaker 6: get as much into the US and cash as possible
Speaker 6: in a bank account, because payble on death certificates are
Speaker 6: honored by everyone.
Speaker 7: Yeah, it's that whole Costa Rica thing that makes you
Speaker 7: start thinking, yeah, yeah, like why In other words, Daryl,
Speaker 7: do you know why she had money there?
Speaker 17: The accounts in Costa Rica or CBS, they've got another
Speaker 17: three years to mature. And then my wife was heard
Speaker 17: is a beneficiary on those those accounts.
Speaker 6: Well, okay, then that's not going to go to the
Speaker 6: estate if it keeps that eye or you wait for
Speaker 6: two years and transfer it out to the United States,
Speaker 6: looks at it again, you're gonna have to see an attorney.
Speaker 6: I would start with Dan McKenzie eight three three co
Speaker 6: plans eight three three co plans or co plans dot co.
Speaker 1: We got more coming right up.