WEBVTT 1 00:00:00.720 --> 00:00:10.000 Yeah, ripped of mad news, need advice, so. 2 00:00:10.119 --> 00:00:10.720 You don't have. 3 00:00:12.919 --> 00:00:13.720 Come running. 4 00:00:13.960 --> 00:00:15.400 Just as fast as we can. 5 00:00:16.640 --> 00:00:20.440 Shooter's gonna help come man Dix. 6 00:00:20.679 --> 00:00:24.719 He is the Troubleshooter Show. Now Tom Martino. 7 00:00:25.440 --> 00:00:28.719 Hello, Tom Martino here, Welcome to the show. Three oh 8 00:00:28.760 --> 00:00:31.960 three seven one three talk three oh three seven one 9 00:00:32.000 --> 00:00:33.520 three eight two five five. 10 00:00:34.119 --> 00:00:36.439 Helping you solve problems, answer question, take a please make 11 00:00:36.479 --> 00:00:36.920 your life. 12 00:00:36.799 --> 00:00:40.240 A little easier, and we are doing it now. I'll 13 00:00:40.240 --> 00:00:43.079 be bringing uh Mark up in a minute here on 14 00:00:43.200 --> 00:00:46.880 his uh on his cam. I gotta send him a link. 15 00:00:47.520 --> 00:00:50.159 I haven't done that yet, so I will do that 16 00:00:50.359 --> 00:00:54.759 for sure, and uh doing that right now, by the way. 17 00:00:55.119 --> 00:00:57.399 That's for those streaming. Welcome. 18 00:00:57.439 --> 00:00:59.920 But we're on k h ow and care do you 19 00:01:00.079 --> 00:01:02.560 in Colorado Springs and we are all over the place 20 00:01:02.719 --> 00:01:05.239 with you, and thanks for being here. 21 00:01:06.319 --> 00:01:09.760 Let's just go to the phones and try to answer 22 00:01:09.760 --> 00:01:10.959 every question you have. But there's a. 23 00:01:10.879 --> 00:01:15.640 Lot in the news today that I really want to 24 00:01:15.680 --> 00:01:19.599 talk about because it's very important right now, and it 25 00:01:19.680 --> 00:01:25.400 has to do with overreactions and trusts and all kinds 26 00:01:25.400 --> 00:01:30.599 of crap. People are so overreacting to things being done 27 00:01:30.599 --> 00:01:33.760 by the government, and it's natural people. When I say people, 28 00:01:33.799 --> 00:01:40.239 I'm talking about those opposed to Trump's guidelines. Anyone who's 29 00:01:40.239 --> 00:01:43.200 in favor of it says it's wonderful. It's interesting to 30 00:01:43.239 --> 00:01:45.840 note I'm not talking about this as a political entity. 31 00:01:46.200 --> 00:01:48.120 Although Martin may want to chime in, he always does, 32 00:01:48.480 --> 00:01:54.200 But I'm talking about approval ratings alone show that He's 33 00:01:54.319 --> 00:01:57.359 entering the office with one of the highest approval ratings 34 00:01:58.040 --> 00:02:04.159 of any president. Biden left with the lowest approval weighting 35 00:02:04.319 --> 00:02:08.439 of any president. What do you think was so terrible? 36 00:02:08.479 --> 00:02:12.360 I think prices. It comes right down to prices. I mean, god, 37 00:02:12.439 --> 00:02:17.240 people are just we're so pissed at prices. But according 38 00:02:17.240 --> 00:02:20.439 to a national survey, and this is very important, these 39 00:02:20.479 --> 00:02:23.639 surveys are pretty damn accurate. What do you think was 40 00:02:23.680 --> 00:02:27.240 the main issue or the main issue they want Trump 41 00:02:27.960 --> 00:02:29.199 to address? 42 00:02:29.639 --> 00:02:30.199 The border? 43 00:02:30.960 --> 00:02:36.159 What's that? Actually, it's not according to this survey. What 44 00:02:36.280 --> 00:02:38.560 is the survey? And I always ask to is it 45 00:02:38.599 --> 00:02:45.000 an MSNBC survey? No, Mark, Mark, It's called Morning consult 46 00:02:45.960 --> 00:02:50.039 And truly, let me say this, I have followed this 47 00:02:50.080 --> 00:02:52.680 for a long time and they do surveys every day. 48 00:02:52.719 --> 00:02:57.960 They do for industry, for health, for politics, for trends 49 00:02:58.000 --> 00:02:59.319 for brands. 50 00:02:59.439 --> 00:03:01.159 It's a very very reliable source. 51 00:03:01.560 --> 00:03:04.680 Now, I will tell you at times I didn't agree 52 00:03:04.680 --> 00:03:08.439 with their what they say, but they truly do have 53 00:03:08.520 --> 00:03:09.680 a scientific method. 54 00:03:10.039 --> 00:03:11.439 So it's Bloomberg polling. 55 00:03:14.039 --> 00:03:17.919 I I don't know if they're influenced by Bloomberg Morning Consult. 56 00:03:18.159 --> 00:03:20.479 I I don't know what what did you google it? 57 00:03:21.039 --> 00:03:25.800 Yeah, it comes up Bloomberg slash Morning consolet polls? 58 00:03:28.159 --> 00:03:32.039 Okay, Well do you and you think Bloomberg is a 59 00:03:32.039 --> 00:03:35.319 flaming liberal and therefore he's going to skew all of 60 00:03:35.360 --> 00:03:35.840 the polls? 61 00:03:35.879 --> 00:03:39.719 Is that right? I would say there's definitely I don't know. 62 00:03:39.800 --> 00:03:42.199 I mean, I'm asking Mark. I mean, there's. 63 00:03:41.960 --> 00:03:44.039 Definitely going to be put it this way. It wouldn't 64 00:03:44.039 --> 00:03:46.520 be strange, would it. It wouldn't be strange if people 65 00:03:46.560 --> 00:03:50.879 are skewed. But I I personally, I personally have found 66 00:03:50.960 --> 00:03:51.639 them to be okay. 67 00:03:51.719 --> 00:03:54.719 But but then again, listen, you know, uh what do 68 00:03:54.800 --> 00:03:55.080 I know? 69 00:03:55.360 --> 00:03:58.400 I mean, I didn't take the poll, but I've been 70 00:03:58.400 --> 00:04:00.439 following them for a long time. There were a couple 71 00:04:00.479 --> 00:04:04.840 times I said, well, I don't get this. According to 72 00:04:05.759 --> 00:04:12.240 Morning Consult, the Trump voters, now Trump voters, these are 73 00:04:12.280 --> 00:04:17.480 not are Actually I shouldn't say that. It's percentage of voters, 74 00:04:17.759 --> 00:04:22.600 not Trump voters. Percentage of voters say right now what 75 00:04:22.639 --> 00:04:25.800 they want him to do in office right now is 76 00:04:25.879 --> 00:04:30.399 bring down the cost of goods seventy nine percent, bring 77 00:04:30.480 --> 00:04:36.199 down the cost of goods. Seventy three percent say make 78 00:04:36.360 --> 00:04:43.439 healthcare more affordable than mark number three, fifty two percent, 79 00:04:43.560 --> 00:04:46.079 stop illegal immigration. 80 00:04:46.519 --> 00:04:48.759 So what do you think happens? Just I want to 81 00:04:48.800 --> 00:04:49.240 ask you this. 82 00:04:49.360 --> 00:04:53.360 So someone is pulling people and they call up a 83 00:04:53.439 --> 00:04:56.519 true Trumper, a Trump supporter fifty one percent of the 84 00:04:56.600 --> 00:04:58.879 company or the country, and. 85 00:04:58.800 --> 00:04:59.879 They asked that question. 86 00:05:00.560 --> 00:05:04.160 I have no idea how they you know, worded the question, 87 00:05:04.319 --> 00:05:07.160 but however they asked, it's fine. Do you think they're 88 00:05:07.199 --> 00:05:10.319 gonna say the honest truth of what they're thinking? Do 89 00:05:10.360 --> 00:05:12.680 you think they want to be called a racist by 90 00:05:12.720 --> 00:05:16.000 saying the borders? Number one, I just don't trust any 91 00:05:16.079 --> 00:05:16.800 of these polls. 92 00:05:17.879 --> 00:05:23.319 Well, obviously polls crap in, crap out, but just so 93 00:05:23.439 --> 00:05:28.639 you know, they have when they take polls, they do 94 00:05:28.759 --> 00:05:31.839 have a way to look at a median and what's 95 00:05:31.879 --> 00:05:32.879 called the thread of truth. 96 00:05:33.120 --> 00:05:35.199 You know, I've often said we'll search. 97 00:05:35.399 --> 00:05:39.399 Then how come every single poll was wrong on the 98 00:05:39.439 --> 00:05:44.120 outcome of the election, every swing state poll, every national poll. 99 00:05:44.399 --> 00:05:46.839 Why was that? Mark? 100 00:05:47.480 --> 00:05:50.360 I am not talking about political polls. I'm talking about 101 00:05:50.360 --> 00:05:53.920 polling in general. Okay, in general, there's something called the 102 00:05:53.959 --> 00:05:56.600 thread of truth that if you talk to enough people, 103 00:05:57.279 --> 00:06:00.000 no matter how much they try to BSU, there's always 104 00:06:00.000 --> 00:06:04.600 a central or common line of truth a majority report. Now, 105 00:06:05.360 --> 00:06:08.600 whether or not the people who gather these polls want 106 00:06:08.639 --> 00:06:14.000 to interpret that and give a comment is one thing. Definitely. 107 00:06:14.040 --> 00:06:18.600 I believe polls can be skewed. The way you ask 108 00:06:18.759 --> 00:06:22.959 questions can be skewed. The report results and can be skewed. 109 00:06:23.079 --> 00:06:27.199 They can be I'm not doubting that, And lately a 110 00:06:27.240 --> 00:06:29.079 lot of political polls. 111 00:06:28.920 --> 00:06:29.959 Have been dead wrong. 112 00:06:30.519 --> 00:06:34.360 So I think on this most recent election, for example, 113 00:06:34.399 --> 00:06:37.920 they showed such a tight race, My god. So in 114 00:06:37.959 --> 00:06:41.639 that case, I do believe people don't want to tell 115 00:06:41.720 --> 00:06:44.839 polsters the truth. They're pissed off at polsters and they 116 00:06:44.920 --> 00:06:46.600 kind of think you don't really want to hear the 117 00:06:46.600 --> 00:06:50.680 truth anyway, And I think they relish and they're happily 118 00:06:50.720 --> 00:06:54.720 giving false information. Again, that could happen. All I'm doing 119 00:06:54.759 --> 00:06:57.480 is giving the results. I think this is pretty credible. 120 00:06:57.920 --> 00:07:01.240 Bringing down the cost of goods and services number one, 121 00:07:01.399 --> 00:07:05.839 I think that's probably accurate. Number three being stopping illegal immigration. 122 00:07:06.240 --> 00:07:09.399 I think that's pretty accurate. Making healthcare affordable, I'm not 123 00:07:09.439 --> 00:07:12.519 sure that. I mean, they're saying it's right behind bringing 124 00:07:12.600 --> 00:07:15.720 down inflation. Now, there are a lot of people who 125 00:07:15.800 --> 00:07:19.199 are struggling with health care. I mean, to them, having 126 00:07:19.240 --> 00:07:22.319 a so called affordable health care is not affordable at all. 127 00:07:22.680 --> 00:07:25.120 It was, It's ludicrous. 128 00:07:25.759 --> 00:07:29.040 They subsidize a lot of plans, but most of them. 129 00:07:29.279 --> 00:07:31.319 If you have any kind of a job, you're going 130 00:07:31.360 --> 00:07:33.720 to have a six thousand dollars deductible It may it 131 00:07:33.800 --> 00:07:36.759 may as well be one hundred thousand. I mean, if 132 00:07:36.759 --> 00:07:38.920 a kid breaks his arm and he's working, is he 133 00:07:38.959 --> 00:07:42.680 going to come up with six thousand dollars? So I 134 00:07:42.759 --> 00:07:45.680 don't mean working, because that would be workers combat anyway. So, 135 00:07:46.639 --> 00:07:51.360 reducing the federal deficit, the budget deficit, A lot of 136 00:07:51.360 --> 00:07:55.399 people that that's right behind stopping illegal immigration one percent 137 00:07:55.680 --> 00:07:58.800 behind reducing the federal budget deficit. 138 00:07:58.839 --> 00:07:59.240 A lot of. 139 00:07:59.199 --> 00:08:05.279 People misinterpret national debt with budget deficit two different things. 140 00:08:05.639 --> 00:08:07.920 But you would be shocked at how many so called 141 00:08:07.920 --> 00:08:11.879 intelligent people consider them one and the same. A national 142 00:08:11.920 --> 00:08:14.959 debt is an accumulation of debt we have from notes 143 00:08:15.240 --> 00:08:19.360 and from deficits over the years, and that national debt 144 00:08:19.600 --> 00:08:22.600 will never be paid off ever. In fact, it grows 145 00:08:22.639 --> 00:08:26.079 every year from every administration, and it will never be 146 00:08:26.160 --> 00:08:29.079 paid off. In fact, a lot of the debt is 147 00:08:29.079 --> 00:08:33.360 paid to foreign entities. It will never ever ever be 148 00:08:33.440 --> 00:08:36.639 paid off, and for a large part of life, it's artificial. 149 00:08:36.679 --> 00:08:38.679 I could get into that, but I don't want to. 150 00:08:38.960 --> 00:08:42.120 No one's expecting it to be paid back. Everyone likes 151 00:08:42.159 --> 00:08:45.840 the interest, and really it is a way of the world. 152 00:08:46.200 --> 00:08:48.919 In fact, I don't want to get into it. But anyway, 153 00:08:49.120 --> 00:08:52.759 reducing the deficit, though, simply means the money you take in, 154 00:08:53.320 --> 00:08:56.879 you spend, and you don't accumulate debt you don't have, 155 00:08:57.240 --> 00:09:00.720 you don't spend more than your taking in. And the 156 00:09:00.759 --> 00:09:03.600 Trump administration is really trying to do that. I mean, 157 00:09:03.639 --> 00:09:06.600 they're offering severance packages to federal workers they don't want 158 00:09:06.600 --> 00:09:11.159 around anymore. They've stopped a lot of ridiculous fundings until 159 00:09:11.159 --> 00:09:12.519 they can reevaluate them. 160 00:09:12.879 --> 00:09:13.960 You know what's really funny. 161 00:09:14.519 --> 00:09:16.840 People say they want to reduce debt, they want to 162 00:09:16.879 --> 00:09:20.399 reduce deficit spending, and as soon As he starts questioning 163 00:09:20.480 --> 00:09:25.159 these these grants and these charitable giveaways and these federal 164 00:09:25.200 --> 00:09:29.320 government fundings, everyone comes on glued. But think about it, 165 00:09:29.879 --> 00:09:32.720 they all got their money for this year. He's just saying, 166 00:09:32.759 --> 00:09:35.759 do we want to continue this in the future. People 167 00:09:35.919 --> 00:09:40.279 just go crazy. But anyway, you want to talk about 168 00:09:40.279 --> 00:09:43.759 true inflation ending, that's what it is. The next thing, 169 00:09:44.759 --> 00:09:50.200 countering the influence of foreign advertisers adversaries. I don't understand 170 00:09:50.240 --> 00:09:52.919 that that's forty eight percent. They want to counter the 171 00:09:52.960 --> 00:09:56.519 influence such as TikTok and others who they believe are 172 00:09:57.559 --> 00:10:00.559 hurting this country and trying to undermine and take over 173 00:10:00.600 --> 00:10:04.639 the country, mainly online and through social media. By the way, 174 00:10:05.360 --> 00:10:09.159 stopping illegal immigration was fifty two percent of the electorate. 175 00:10:09.799 --> 00:10:13.759 Now what's funny is forty two ten percent less but 176 00:10:13.840 --> 00:10:15.240 still high on the docket. 177 00:10:15.679 --> 00:10:16.960 They want to deport them. 178 00:10:18.240 --> 00:10:20.600 See a lot of people want to stop the influx, 179 00:10:20.879 --> 00:10:25.600 but don't necessarily want to deport. Now, reducing the number 180 00:10:25.639 --> 00:10:30.279 of illegal ascuse me of legal immigrants even that's up 181 00:10:30.320 --> 00:10:33.279 around thirty nine percent, So they don't even want to 182 00:10:34.240 --> 00:10:37.840 They want to stop illegal immigration. They want to deport 183 00:10:38.120 --> 00:10:44.080 illegal citizens or whatever you call it undocumented citizens, illegal immigrants. 184 00:10:44.399 --> 00:10:48.039 Then they even want to reduce the number of legal 185 00:10:48.120 --> 00:10:51.240 immigrants you let in. Now, I don't know why. I mean, 186 00:10:51.320 --> 00:10:53.840 I think the country runs fine with immigrants. I think 187 00:10:53.879 --> 00:10:56.960 it's the criminals and the cheaters and the liars that 188 00:10:57.039 --> 00:10:58.840 make it bad for everyone. But if there was a 189 00:10:58.919 --> 00:11:02.039 legal path to citizens ship for hard working people that 190 00:11:02.120 --> 00:11:04.440 fill jobs that a lot of Americans don't want, I 191 00:11:04.480 --> 00:11:05.879 think there's nothing wrong with it. 192 00:11:06.000 --> 00:11:08.360 So all those people that waited in line and did 193 00:11:08.360 --> 00:11:11.320 it the right way for five, seven, ten years forget 194 00:11:11.399 --> 00:11:15.240 about it, right, What did you. 195 00:11:15.159 --> 00:11:15.799 Just hear me say? 196 00:11:15.840 --> 00:11:18.159 I just said, I think if someone is here legally 197 00:11:18.240 --> 00:11:21.639 and wants to be a citizen, there's nothing wrong with that, 198 00:11:21.679 --> 00:11:22.960 if they're hardworking people. 199 00:11:23.360 --> 00:11:25.639 So how does that How is that at odds with 200 00:11:25.679 --> 00:11:26.519 what you just said? 201 00:11:27.080 --> 00:11:30.279 Because people fill out paperwork, come here legally, come here 202 00:11:30.320 --> 00:11:32.960 on a work visa, come here to do something, not 203 00:11:33.080 --> 00:11:36.159 just cross the border illegally and you know, get a 204 00:11:36.200 --> 00:11:38.360 free hotel and a bus ride somewhere back in the 205 00:11:38.440 --> 00:11:39.080 day at least. 206 00:11:41.000 --> 00:11:43.679 Well, all I'm saying is the people who are here 207 00:11:43.759 --> 00:11:47.279 working hard, not criminals, and want a path to citizenship 208 00:11:47.320 --> 00:11:49.840 should be given one don't what's wrong with that? 209 00:11:50.200 --> 00:11:51.639 I mean not everyone. 210 00:11:51.799 --> 00:11:54.360 No, you don't want that invites everybody in the world 211 00:11:54.399 --> 00:11:57.120 to come here and cross the border without filling out. 212 00:11:57.240 --> 00:11:59.559 I'm talking about work. I'm talking about from here. 213 00:12:00.000 --> 00:12:03.240 I'm talking about the situation that we were dealt. I'm 214 00:12:03.279 --> 00:12:06.240 not talking about inviting people to come illegally and then 215 00:12:06.279 --> 00:12:09.000 becoming a citizen. I'm not talking about that. Don't put 216 00:12:09.039 --> 00:12:11.559 words in my mouth. I'm saying dealing with the current situation. 217 00:12:12.240 --> 00:12:14.960 If there are people that should be deported, to port them. 218 00:12:15.159 --> 00:12:17.320 If there are people who want to work hard, have 219 00:12:17.399 --> 00:12:20.679 a family, and are doing no crime, contributing to Social Security, 220 00:12:20.720 --> 00:12:23.840 paying their taxes, and if they're living legally except for 221 00:12:23.879 --> 00:12:26.799 the entry, and they want to path to citizenship, I 222 00:12:26.840 --> 00:12:28.840 don't see a harm in giving it to them. I'm 223 00:12:28.879 --> 00:12:31.960 not saying that they get priority over anyone else. I 224 00:12:31.960 --> 00:12:35.559 mean that may be a path I'm talking about. There 225 00:12:35.639 --> 00:12:39.279 are good people in that massive illegal. 226 00:12:38.919 --> 00:12:42.960 Agreed military service, a good background check, four years in 227 00:12:43.000 --> 00:12:47.320 the military, then carve them a pathway. 228 00:12:48.080 --> 00:12:51.159 Now, as far as foreign aid, a lot of people 229 00:12:51.159 --> 00:12:53.480 wanted to a thirty five percent, not a lot. Thirty 230 00:12:53.480 --> 00:12:57.919 five percent want to stop foreign aid extended tax cuts. 231 00:12:58.360 --> 00:13:02.799 Twenty nine percent want more tax cuts for corporations, regulating 232 00:13:02.919 --> 00:13:07.720 tech companies twenty six percent. Tariffs twenty three percent are 233 00:13:07.759 --> 00:13:12.799 in favor of tariffs and expanding the United States through 234 00:13:13.960 --> 00:13:19.759 any means possible sixteen percent. Now that's because of the 235 00:13:19.799 --> 00:13:25.840 recent talk with you know, the recent talk with you know, 236 00:13:25.919 --> 00:13:30.159 the Icelanders or whatever. So welcome to the show. People, 237 00:13:30.240 --> 00:13:33.039 don't I don't mean to. I just think it's good 238 00:13:33.080 --> 00:13:35.440 to see what's on people's minds. I got to take 239 00:13:35.440 --> 00:13:37.279 a break, and then we're going to go to David. 240 00:13:37.960 --> 00:13:41.000 He has a problem with Lodge Casino, and then anyone 241 00:13:41.000 --> 00:13:44.240 else who has a call three oh three seven one 242 00:13:44.320 --> 00:13:46.639 three talk three oh three seven one three eight two 243 00:13:46.679 --> 00:13:47.200 five five. 244 00:13:48.279 --> 00:13:49.759 Joe Cano's in with us today. 245 00:13:50.879 --> 00:13:56.639 Financial planner mainly deals with annuities, fixed indextinuities because he 246 00:13:56.720 --> 00:14:03.320 believes those secure investments guaranteed income is appropriate at a 247 00:14:03.320 --> 00:14:05.440 certain time in your life and you should explore them. 248 00:14:05.879 --> 00:14:07.960 And we'll talk about his event he has coming up 249 00:14:08.840 --> 00:14:11.600 three O three seven one three A two five five. 250 00:14:11.639 --> 00:14:14.919 Waterpros dot net the best water systems at the lowest 251 00:14:14.919 --> 00:14:19.399 prices anywhere bar none. 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You'll think you're his only customer 263 00:14:56.120 --> 00:14:58.360 when you choose Frank durand the real estate Man dot 264 00:14:58.399 --> 00:15:01.720 com to list your home with Remax Alliance three all 265 00:15:01.759 --> 00:15:05.159 three nine two zero sixteen twenty two. 266 00:15:07.000 --> 00:15:10.600 Hi Tom Martino here three all three seven one three 267 00:15:10.679 --> 00:15:13.600 talk three all three seven one three eight two five five. 268 00:15:14.120 --> 00:15:17.240 Welcome to the show, folks. What's going on? Let's go 269 00:15:17.399 --> 00:15:20.679 back to the phones and do what we can do 270 00:15:20.759 --> 00:15:23.879 for you. David, what's going on with you? 271 00:15:24.039 --> 00:15:24.360 David? 272 00:15:25.320 --> 00:15:25.399 Oh? 273 00:15:25.480 --> 00:15:27.200 Hi Tom, thanks for taking my call. 274 00:15:27.320 --> 00:15:29.720 Hey man, what's happened in you know? 275 00:15:29.879 --> 00:15:32.000 I wanted to let you know that I'm a gambler, 276 00:15:32.360 --> 00:15:35.519 and I like going to Blackhawk and going to the casinos, 277 00:15:35.639 --> 00:15:39.600 driving up there, eating at the restaurants, playing slots, playing 278 00:15:39.639 --> 00:15:40.360 video poker. 279 00:15:40.519 --> 00:15:41.519 For me, it's a good time. 280 00:15:43.080 --> 00:15:44.759 Yeah. I had a lot of people like it. 281 00:15:45.600 --> 00:15:46.159 Oh yeah. 282 00:15:46.399 --> 00:15:48.919 So one of the places I really liked was the 283 00:15:49.000 --> 00:15:52.799 Lodge Casino. I like the restaurants there, I like the 284 00:15:52.799 --> 00:15:56.320 promotions they did, I like the people that I met there. 285 00:15:56.799 --> 00:15:59.120 So I decided to play a lot more there to 286 00:15:59.159 --> 00:16:02.320 try to get to what they call a VIP card 287 00:16:02.399 --> 00:16:05.480 level in their players Club. So I had to play 288 00:16:05.519 --> 00:16:09.480 about sixteen thousand coin through and I was successful. I 289 00:16:09.519 --> 00:16:13.440 got a call from a host at their Players Club saying, Hey, 290 00:16:13.480 --> 00:16:15.559 come on in, we'll tell you about your benefits. You 291 00:16:15.600 --> 00:16:19.759 get freeplay, you get special drawing sports tickets. The day 292 00:16:19.799 --> 00:16:22.080 I went up there, though, I went to get my 293 00:16:22.159 --> 00:16:25.600 new card. I was at the front desk and a 294 00:16:25.639 --> 00:16:27.679 gentleman by the name of Ben White, who was a 295 00:16:27.759 --> 00:16:32.440 general manager, approached me and he had his head of 296 00:16:32.480 --> 00:16:35.919 security and three other gentlemen. They surrounded me and they 297 00:16:35.919 --> 00:16:37.000 said you are here. 298 00:16:37.039 --> 00:16:40.799 By they surrounded you. Were you with Mark Major? 299 00:16:42.799 --> 00:16:43.919 I don't know who he is. 300 00:16:45.639 --> 00:16:48.879 From a major. Mark Major my co host here. No, 301 00:16:48.960 --> 00:16:50.440 I wasn't. It was a joke. 302 00:16:50.720 --> 00:16:52.559 It was a joke, and it goes way piss an 303 00:16:52.559 --> 00:16:55.679 inside joke anyway, Okay, keep going. 304 00:16:55.840 --> 00:16:58.759 So he he came and just said you and gave 305 00:16:58.759 --> 00:17:01.559 me a trashpass letter that said this is a formal 306 00:17:01.639 --> 00:17:03.639 notice that you can no longer come on our property. 307 00:17:04.279 --> 00:17:06.559 And oh my god, they're kicking you out. 308 00:17:07.920 --> 00:17:10.160 Yes, they kicked me out, and they I have never 309 00:17:10.200 --> 00:17:13.920 had they They do not like me for some reason 310 00:17:14.279 --> 00:17:14.759 for sure. 311 00:17:16.039 --> 00:17:18.839 And wait a minute, did this come out of the blue? 312 00:17:18.839 --> 00:17:20.200 Bro out of the blue? 313 00:17:21.519 --> 00:17:22.440 Out of the blue? 314 00:17:22.519 --> 00:17:25.319 I have never had an issue with being talked to 315 00:17:25.440 --> 00:17:30.519 from anybody at the Lodge or any other casino. That's 316 00:17:30.559 --> 00:17:32.519 just what it is. I was actually going up there 317 00:17:32.559 --> 00:17:35.000 expecting to talk to a host to explain some of 318 00:17:35.000 --> 00:17:39.119 my benefits. But he did said I asked, you know, 319 00:17:39.160 --> 00:17:41.200 why is this curring? Says you just leaved. Need to 320 00:17:41.279 --> 00:17:44.160 leave immediately or you will face arrest, which I did. 321 00:17:44.480 --> 00:17:48.160 I left that night. About a month later, I emailed 322 00:17:48.640 --> 00:17:51.279 Ben White, the manager, and said, why was I kicked out? 323 00:17:51.799 --> 00:17:53.440 I mean, I had spent a lot of money to 324 00:17:53.440 --> 00:17:55.640 get attain this level, and he says, you are an 325 00:17:55.680 --> 00:17:59.119 advantage player, and I don't know what that means. 326 00:17:59.200 --> 00:17:59.480 It's me. 327 00:17:59.519 --> 00:18:02.559 It just seems like the unity word say you're a 328 00:18:02.559 --> 00:18:05.519 bad person, and I feel like I play a lot 329 00:18:05.519 --> 00:18:08.680 of video poker where the casino doesn't make a lot 330 00:18:08.720 --> 00:18:11.079 of money as much money, and they said, well, this 331 00:18:11.119 --> 00:18:13.440 guy just got a VIP card level. I don't want 332 00:18:13.440 --> 00:18:16.960 to give him the free buffet there preplay, so they just. 333 00:18:17.119 --> 00:18:19.039 I wonder if Mark, Mark, are you listening to this? 334 00:18:20.240 --> 00:18:20.440 Yeah? 335 00:18:20.720 --> 00:18:24.599 Mark, okay, So hold on, both Mark and Dimitri. You 336 00:18:24.599 --> 00:18:26.160 guys go up there. What do you think? 337 00:18:26.200 --> 00:18:27.720 Well, I don't go up there. I haven't been there 338 00:18:27.720 --> 00:18:29.680 since they first opened the casinos. But I know what 339 00:18:29.720 --> 00:18:33.119 an advantage player means, and that is somebody who is 340 00:18:33.160 --> 00:18:36.440 suspected of using some sort of a system, not cheating, 341 00:18:36.880 --> 00:18:40.359 and the perfectly legal system to increase their advantage. So, 342 00:18:40.440 --> 00:18:44.720 for example, card counting would be one of those that 343 00:18:44.759 --> 00:18:50.759 would be considered an advantage advantage player, so the law. 344 00:18:50.799 --> 00:18:52.480 But the casinos don't want people. 345 00:18:52.279 --> 00:18:55.759 Like that, so they can basically say, get the hell out. 346 00:18:58.240 --> 00:19:01.400 Tom, I've been playing there for ten years. They could 347 00:19:01.400 --> 00:19:03.359 have said that at any time or told me not 348 00:19:03.440 --> 00:19:05.920 to do it. What I was playing is a game 349 00:19:06.000 --> 00:19:10.960 called Ultimate X video poker, and video poker has an 350 00:19:10.960 --> 00:19:14.359 advantage for the casino. There's no way I can I 351 00:19:14.400 --> 00:19:16.640 can beat that. I mean you could go up there 352 00:19:16.680 --> 00:19:18.599 and sit on it and play it and again. 353 00:19:18.799 --> 00:19:21.440 Okay, so why do you let me just ask you? 354 00:19:21.720 --> 00:19:23.160 Why do you think they kicked you out? 355 00:19:23.200 --> 00:19:24.599 Man? Bottom? 356 00:19:24.680 --> 00:19:24.880 Though? 357 00:19:24.960 --> 00:19:28.759 In January, I was playing a game called Ultimate X 358 00:19:28.799 --> 00:19:31.839 where you play twice amount of coin and if you 359 00:19:31.880 --> 00:19:33.839 get a good hand, you get a multiplier for the 360 00:19:33.880 --> 00:19:37.680 next one. So I got delta flush, which means on 361 00:19:37.759 --> 00:19:41.200 the next hand, I get an eight times multiplier on 362 00:19:41.359 --> 00:19:44.960 ten different rows, and just luckily I got dealt like. 363 00:19:45.000 --> 00:19:45.759 Four of a kind. 364 00:19:45.799 --> 00:19:48.000 So I won like seventy five hundred dollars on a 365 00:19:48.079 --> 00:19:50.920 video poker machine and that's normally unheard of. 366 00:19:50.960 --> 00:19:51.920 It was a really good hit. 367 00:19:52.480 --> 00:19:55.640 So I feel like they're holding that against me, saying, ah, 368 00:19:55.759 --> 00:19:59.000 you won money against us, but it was just pure 369 00:19:59.119 --> 00:20:00.359 luck in random. 370 00:20:00.039 --> 00:20:02.000 Mark, Do you think Mark? Does this sound right to you? 371 00:20:02.160 --> 00:20:02.359 Man? 372 00:20:03.119 --> 00:20:08.680 Mark? Man like that they would kick him out for winning? Yeah? Sure, 373 00:20:09.000 --> 00:20:12.200 if he's cheating this, I think he was cheating. How 374 00:20:12.279 --> 00:20:14.839 much did you win, David? I'll just back off now. 375 00:20:15.559 --> 00:20:18.119 It was like around eight thousand because it was a 376 00:20:18.200 --> 00:20:20.839 ten play. But then I looked at what I've won 377 00:20:20.920 --> 00:20:23.039 for the rest of the year between the two properties. 378 00:20:23.079 --> 00:20:25.240 They also own the guilt then, and it shows I've 379 00:20:25.279 --> 00:20:27.680 only lost. I ended up a net winning of like 380 00:20:27.799 --> 00:20:30.720 six thousand, so I lost three thousand dollars up that 381 00:20:30.799 --> 00:20:31.519 one big win. 382 00:20:32.960 --> 00:20:33.200 Mark. 383 00:20:33.240 --> 00:20:35.079 I don't want you to back off, because Mark does 384 00:20:35.119 --> 00:20:37.640 probably more gambling than any of us, and I don't 385 00:20:37.640 --> 00:20:38.680 mean that in a reckless way. 386 00:20:38.720 --> 00:20:40.400 But what do you think is going on? Mark? 387 00:20:40.960 --> 00:20:43.720 I think he was playing something else, either blackjack or 388 00:20:43.759 --> 00:20:46.240 some kind of table game at some point, and he 389 00:20:46.359 --> 00:20:49.880 was either counting the shuffle, counting the cards, something along that. 390 00:20:50.000 --> 00:20:53.599 I find it almost impossible that they did this because 391 00:20:53.640 --> 00:20:56.160 of video poker, literally impossible. 392 00:20:57.079 --> 00:20:58.240 It was video poker. 393 00:20:58.640 --> 00:20:59.599 I do not play. 394 00:20:59.720 --> 00:21:01.880 I don't don't know what you're talking about. On the 395 00:21:02.640 --> 00:21:05.119 on the other table games, it was video poker, and 396 00:21:05.160 --> 00:21:05.680 I hauled in. 397 00:21:05.799 --> 00:21:07.480 I don't know what to say. Man, they have the 398 00:21:07.559 --> 00:21:10.519 right to you, but I've never heard of anybody taking 399 00:21:10.599 --> 00:21:14.039 advantage of a video poker machine. Never heard it. It's 400 00:21:14.079 --> 00:21:16.559 like taking advantage of a slot machine. 401 00:21:17.799 --> 00:21:22.359 Did they ever give you a reason, an official reason? 402 00:21:23.680 --> 00:21:27.119 Yes, he said I was an advantage player in an email, 403 00:21:27.480 --> 00:21:29.920 but I was never spoken to in the ten years. 404 00:21:30.319 --> 00:21:32.400 And I also play video poker at all the other 405 00:21:32.440 --> 00:21:37.160 ones like Monarch, Amrastar, Horseshoe, everything next Door. They all 406 00:21:37.200 --> 00:21:39.200 offer this video poker variant. 407 00:21:39.799 --> 00:21:42.160 So can you still go to all the other casinos? 408 00:21:43.400 --> 00:21:48.839 Yes, every other casino in Blackhawk and Central City. 409 00:21:48.559 --> 00:21:53.160 Look a private invocation. They can kick them out for 410 00:21:53.279 --> 00:21:57.519 any reason they want, except for certain things like color. 411 00:21:58.680 --> 00:22:01.839 Right, or you know why, or whatever's covered by the law. 412 00:22:02.680 --> 00:22:05.440 If I was doing anything, why did they wait for 413 00:22:05.519 --> 00:22:09.000 the entire year to kick me out the day? 414 00:22:09.079 --> 00:22:11.160 That's see, this is where this hold on. 415 00:22:11.680 --> 00:22:15.039 You know, you typify, You typify something that I want 416 00:22:15.039 --> 00:22:18.000 to go over after the break, And when I say typify, 417 00:22:19.039 --> 00:22:21.640 it's not unreasonable and I want to I'm. 418 00:22:21.440 --> 00:22:23.039 Going to talk about this. Hang on. 419 00:22:23.440 --> 00:22:25.920 I'm Tom Martine. This guy had a good question. We're 420 00:22:25.960 --> 00:22:28.000 going to address it plus more. Give us a call 421 00:22:28.039 --> 00:22:30.960 three oh three seven one three talk seven one three 422 00:22:31.160 --> 00:22:33.599 eight two five five. We have more coming up on 423 00:22:33.640 --> 00:22:34.559 the Troubleshooter Show. 424 00:22:34.559 --> 00:22:35.240 And I have to. 425 00:22:35.200 --> 00:22:38.440 Tell you that Frank Rand, the real estate man, is 426 00:22:38.480 --> 00:22:40.720 your advantage if you're looking to sell your house because 427 00:22:40.720 --> 00:22:44.480 before you even list, he'll do a complete analysis, honest, good, 428 00:22:44.599 --> 00:22:48.440 forthright free and he'll go over every element that will 429 00:22:48.440 --> 00:22:51.480 price your house. And it's unique on its own. Three 430 00:22:51.559 --> 00:22:54.160 oh three nine two zero sixteen twenty two. Frank rand There, 431 00:22:54.160 --> 00:22:59.920 real estate Man dot com. Go with a sure thing 432 00:23:00.079 --> 00:23:03.359 Denver's best roofer Excel Roofing dot com. You don't pay 433 00:23:03.359 --> 00:23:09.480 a cent until you're content. Time for an insurance check 434 00:23:09.559 --> 00:23:13.400 up free, no obligation. In comparison, call Compass Insurance paying 435 00:23:13.440 --> 00:23:16.480 too much your coverage at dozens of insurance companies find 436 00:23:16.519 --> 00:23:18.880 out now three all three seven seven to one help. 437 00:23:19.000 --> 00:23:21.640 You'll think you're his only customer when you choose Frank 438 00:23:21.720 --> 00:23:24.160 durand the real estate Man dot com to list your 439 00:23:24.200 --> 00:23:27.319 home with Remax Alliance three all three nine two zero 440 00:23:27.480 --> 00:23:31.759 sixteen twenty two. 441 00:23:32.599 --> 00:23:36.640 I'm Tom Martinez. You're troubleshooter seven one three talks seven 442 00:23:36.680 --> 00:23:39.279 one three eight two five five. So I did some. 443 00:23:39.160 --> 00:23:42.480 Research store on the break, I talked to my boyfriend, 444 00:23:42.480 --> 00:23:47.880 and I also did some searching. According to my boyfriend, 445 00:23:49.000 --> 00:23:51.200 and I tried to get a female voice, but I 446 00:23:51.279 --> 00:23:56.119 can't so chat GPT is my boyfriend. I used to 447 00:23:56.160 --> 00:24:01.680 have a girlfriend co pilot, but she saw I should 448 00:24:01.720 --> 00:24:05.519 put that in another way. She's not very good. And 449 00:24:05.559 --> 00:24:08.759 then Gemini doesn't have voice at all. Gemini is the 450 00:24:08.799 --> 00:24:12.359 worst AI there is. Chat GPT has been my number 451 00:24:12.400 --> 00:24:15.039 one so far. I haven't tried deep search yet. The 452 00:24:15.160 --> 00:24:21.279 Chinese spy app. I haven't tried that one. So Mark 453 00:24:21.440 --> 00:24:25.200 was right. They can do anything they want. Basically, they 454 00:24:25.319 --> 00:24:27.799 just can't break the law. Meaning if you're of a 455 00:24:27.799 --> 00:24:30.200 certain religion you can't come here, a certain color, you 456 00:24:30.240 --> 00:24:30.880 can't come here. 457 00:24:30.920 --> 00:24:32.759 So you know, obviously they don't do that. 458 00:24:33.640 --> 00:24:35.519 Here's what they say, bro, and I want you to 459 00:24:35.559 --> 00:24:38.920 I want you to hear this, and you typify every 460 00:24:38.960 --> 00:24:42.640 consumer practically we've ever talked to about problems. 461 00:24:42.680 --> 00:24:44.359 And I don't mean that as a put down. 462 00:24:44.799 --> 00:24:47.400 You're you're right on track because but I'm gonna tell 463 00:24:47.440 --> 00:24:49.799 you this first, and I'll tell you what you typify 464 00:24:50.920 --> 00:24:55.559 first and foremost, they can ban you for no reason. 465 00:24:57.279 --> 00:25:03.000 They can ban you because they don't IQ. Okay, they can. 466 00:25:03.519 --> 00:25:05.160 They can do anything they want. 467 00:25:05.960 --> 00:25:06.279 Now. 468 00:25:07.319 --> 00:25:10.759 An advantage player is someone who can do card counting 469 00:25:10.839 --> 00:25:13.599 or they suspect will even if they don't do it accurately. 470 00:25:14.799 --> 00:25:18.480 Hole carding, meaning you spot a hold card that the 471 00:25:18.559 --> 00:25:24.839 dealer exposed in a inadvertent way, not on purpose. 472 00:25:25.680 --> 00:25:26.640 Shuffle tracking. 473 00:25:27.759 --> 00:25:29.480 I have no idea what that means, but you can 474 00:25:29.559 --> 00:25:35.519 actually eye where the cards go. Bonus hunting that you exploit. 475 00:25:35.640 --> 00:25:38.920 Casino offers free play or match bonuses to gain an 476 00:25:39.039 --> 00:25:44.480 edge video poker strategy. If you win too much on 477 00:25:44.519 --> 00:25:49.880 a video machine and they sense a slight advantage to 478 00:25:50.039 --> 00:25:54.039 the player and not the house, they can discontinue dice 479 00:25:54.119 --> 00:26:00.960 control attempting to throw a certain way edge sort identifying 480 00:26:01.039 --> 00:26:08.319 tiny card in perfections to determine the values. So they 481 00:26:08.319 --> 00:26:10.640 have a house edge and they don't want anything that 482 00:26:10.680 --> 00:26:14.680 will chip into it. If a player can consistently beats 483 00:26:14.720 --> 00:26:17.240 the house, they are no longer allowed back. 484 00:26:18.240 --> 00:26:23.799 They just are not What rights you have, you have 485 00:26:23.880 --> 00:26:24.400 no rights. 486 00:26:24.440 --> 00:26:28.319 Casinos have the right to reserve refuse service for any reason. 487 00:26:28.720 --> 00:26:30.119 They're private businesses. 488 00:26:30.359 --> 00:26:35.559 They can ban anyone for any reason except for the race, gender, disability, a. 489 00:26:35.519 --> 00:26:36.519 Blah blah blah. 490 00:26:36.599 --> 00:26:40.839 They do not have to prove anything. They don't even 491 00:26:40.920 --> 00:26:44.960 have to have a reason. Many casinos share player information, 492 00:26:45.119 --> 00:26:46.839 so you may find you're going to be banned at 493 00:26:46.839 --> 00:26:52.920 other places, and tribal versus government and public are are 494 00:26:53.039 --> 00:26:56.519 a private will allow them to do anything they want. 495 00:26:56.599 --> 00:27:02.599 Tribal is under no one's control and stay owned require 496 00:27:02.720 --> 00:27:07.720 a formal process. So and you know like in Jersey 497 00:27:07.720 --> 00:27:11.920 and stuff, basically that's not that's it. 498 00:27:11.920 --> 00:27:13.079 It's it's one hundred percent. 499 00:27:13.160 --> 00:27:16.160 Now you ask something that a lot of people do, 500 00:27:16.279 --> 00:27:19.519 ask well, why didn't they talk to me or why 501 00:27:19.519 --> 00:27:22.680 didn't I hear this? Or why wasn't it consistent or 502 00:27:22.759 --> 00:27:26.880 why wasn't it And you're expecting logic and you're expecting 503 00:27:27.079 --> 00:27:30.319 what's called continuity or consistency and process. 504 00:27:31.000 --> 00:27:32.720 That is not a legal requirement. 505 00:27:36.200 --> 00:27:38.920 Okay, I hear you, tom So. 506 00:27:39.119 --> 00:27:41.799 I mean, I'm just giving you the raw information. Fighting 507 00:27:41.839 --> 00:27:45.880 this is going to be useless. It really is totally useless. 508 00:27:46.559 --> 00:27:50.960 Okay, what was your question about the W two G form? 509 00:27:51.400 --> 00:27:54.640 Did they misrepresent something on your tax report? 510 00:27:55.720 --> 00:28:00.359 So when I in January, when I won that uh 511 00:28:01.000 --> 00:28:03.839 dig a hit on that video poker machine, they gave 512 00:28:03.880 --> 00:28:06.839 me a W a W two G. The next day 513 00:28:06.839 --> 00:28:09.240 when I went home, the name on that W two 514 00:28:09.240 --> 00:28:10.880 G was for a different person. 515 00:28:12.279 --> 00:28:13.039 It was a mistake. 516 00:28:13.920 --> 00:28:16.640 It was a mistake. So I was concerned that my 517 00:28:16.759 --> 00:28:19.400 personal information, which might had my home address and my 518 00:28:19.400 --> 00:28:23.440 social security number was was sent out and somebody else 519 00:28:23.480 --> 00:28:26.039 had received my w twogs, so I had and if 520 00:28:26.079 --> 00:28:26.640 it was. 521 00:28:28.319 --> 00:28:29.240 I guess it was. 522 00:28:29.359 --> 00:28:32.799 I had to contact the Color Division of Gaming to say, hey, 523 00:28:32.839 --> 00:28:35.279 I want the other person to bring back my w twog. 524 00:28:35.920 --> 00:28:36.480 I returned. 525 00:28:36.720 --> 00:28:39.680 We just answered his question. Why they This is why 526 00:28:39.680 --> 00:28:41.519 they kicked him out. He was being a pain in 527 00:28:41.559 --> 00:28:42.319 the ass to him. 528 00:28:42.440 --> 00:28:45.039 He called the gaming I'm going to tell you something. 529 00:28:45.079 --> 00:28:46.519 I want to I want to tell you something. 530 00:28:46.559 --> 00:28:50.359 Okay, bringing back your W two or whatever is not 531 00:28:50.400 --> 00:28:53.920 going to keep you safe. It's already been exposed. So really, 532 00:28:54.240 --> 00:28:56.119 you know, I know, I know what you're doing. 533 00:28:56.160 --> 00:28:56.359 Man. 534 00:28:56.559 --> 00:28:58.559 You're trying to get a pound of flesh. And it's 535 00:28:58.559 --> 00:29:00.799 not it's just not. I look, I don't want you 536 00:29:00.880 --> 00:29:03.160 disliking me, but I gotta be honest with you. It's 537 00:29:03.160 --> 00:29:05.279 not going to work. Okay, You're not going to get 538 00:29:05.279 --> 00:29:07.720 them to return it. You have no special rights to 539 00:29:07.720 --> 00:29:10.680 get it returned. It was a mistake and the only 540 00:29:10.759 --> 00:29:13.559 recourse you have is if there are damages, but you're 541 00:29:13.640 --> 00:29:17.200 required to mitigate those damages by doing a credit freeze 542 00:29:17.319 --> 00:29:19.480 or an alert or something like that. Now I know 543 00:29:19.559 --> 00:29:21.880 that's not what you wanted to hear. But you, I 544 00:29:21.960 --> 00:29:25.359 promise you you do not have any special rights. 545 00:29:26.480 --> 00:29:26.759 Okay. 546 00:29:26.799 --> 00:29:29.240 I kind of considered that a separate issue, but I 547 00:29:29.240 --> 00:29:31.119 guess the way you guys are saying it, you're saying 548 00:29:31.119 --> 00:29:33.559 that I was poking the bear and I deserve to 549 00:29:33.599 --> 00:29:34.039 be No. 550 00:29:34.240 --> 00:29:35.799 No, I didn't say that. Mark said that, and that 551 00:29:35.799 --> 00:29:37.359 could be true. I don't care about that. 552 00:29:37.519 --> 00:29:39.720 Well what that I didn't say you deserve to be 553 00:29:39.839 --> 00:29:40.279 kicked out. 554 00:29:40.319 --> 00:29:45.200 I'm saying, when you call the Gaming Commission on a casino, 555 00:29:45.599 --> 00:29:48.160 your name gets on a list pretty damn quick, dude. 556 00:29:49.279 --> 00:29:52.119 A data breach of my financial information is. 557 00:29:52.240 --> 00:29:54.599 I'm not arguing with you. I'm just telling you. Listen. 558 00:29:55.440 --> 00:29:59.759 Listen, listen. A data breach is important. But I'm going 559 00:29:59.799 --> 00:30:02.359 to explain something to you, whether you like it or not. 560 00:30:03.279 --> 00:30:08.359 A data breach is only injurious if there is a 561 00:30:08.440 --> 00:30:11.640 data breach that causes you harm or damages. 562 00:30:12.440 --> 00:30:14.599 To call the Gaming Commission. Was correct. 563 00:30:14.640 --> 00:30:17.039 You can call them and say there was a data 564 00:30:17.039 --> 00:30:20.279 breach and I want them to return my W two. Now, 565 00:30:20.279 --> 00:30:22.440 they're never going to make somebody return to W two. 566 00:30:22.839 --> 00:30:26.519 But there it was proper to call if you were 567 00:30:26.599 --> 00:30:29.319 upset about the data breach. That's very proper to do that. 568 00:30:29.799 --> 00:30:32.680 But what they did was said, this guy's a pain 569 00:30:32.720 --> 00:30:35.279 in the ass, and you're trying to make the case 570 00:30:35.319 --> 00:30:38.359 that if it was reasonable for me to call the 571 00:30:38.400 --> 00:30:42.359 Gaming Commission, they should not lash out against me. 572 00:30:42.759 --> 00:30:44.759 But I'm going to tell you something they did. 573 00:30:47.759 --> 00:30:51.039 I mean, do you understand that we watch too much 574 00:30:51.079 --> 00:30:53.559 TV where we think we have rights where we don't. 575 00:30:55.160 --> 00:30:56.799 You could bring a lawsuit against them. 576 00:30:56.920 --> 00:30:59.279 It makes sense, It makes sense, you know. 577 00:30:59.680 --> 00:31:01.279 And I don't mean to shoot you down. 578 00:31:01.759 --> 00:31:04.319 I know you called me for help, but my help 579 00:31:04.400 --> 00:31:06.839 is telling you the truth. We got more coming up 580 00:31:06.880 --> 00:31:09.079 on The Troubleshooter Show three O three seven one three 581 00:31:09.119 --> 00:31:11.880 Talks seven one three eight two five five. Compass Insurance 582 00:31:12.200 --> 00:31:14.960 will do an insurance check up on you to make 583 00:31:14.960 --> 00:31:17.920 sure you're not over insured, underinsured, maybe paying too much, 584 00:31:18.079 --> 00:31:19.680 or maybe you have a great deal, and they'll tell 585 00:31:19.680 --> 00:31:22.559 you the truth. Three oh three nine ninety six nine thousand. 586 00:31:22.640 --> 00:31:28.880 The Insurance Health Center dot com. Go with a sure 587 00:31:29.000 --> 00:31:32.440 thing Denver's Best Roofer Excel Roofing dot com. You don't 588 00:31:32.440 --> 00:31:38.480 pay a cent until you're content time for an insurance 589 00:31:38.559 --> 00:31:42.279 check up free no obligation. In comparison, call Compass insurance 590 00:31:42.440 --> 00:31:45.440 paying too much your coverage at dozens of insurance companies 591 00:31:45.519 --> 00:31:48.119 find out now three oh three seven seven to one help. 592 00:31:48.279 --> 00:31:50.920 You'll think you're his only customer when you choose Frank 593 00:31:51.000 --> 00:31:53.440 durand the real estate Man dot com to list your 594 00:31:53.480 --> 00:31:56.640 home with Remax Alliance three oh three nine two zero 595 00:31:56.720 --> 00:32:04.680 sixteen twenty two. Hey Tom Martine here three three seven 596 00:32:04.759 --> 00:32:08.559 one three talk seven one three two five. Jordan canos 597 00:32:08.640 --> 00:32:11.480 with us. Hey, Jordan, I want to ask you something. 598 00:32:12.000 --> 00:32:15.160 The event is coming up tomorrow. 599 00:32:15.319 --> 00:32:15.759 Is that right? 600 00:32:16.799 --> 00:32:18.720 Actually, yeah, we are. We pushed it out a couple 601 00:32:18.759 --> 00:32:20.559 of weeks because we had such a high demand that 602 00:32:20.599 --> 00:32:22.559 we wanted to get the right hotel set up tom 603 00:32:22.640 --> 00:32:24.720 So we're gonna be pushing it out a couple more 604 00:32:24.759 --> 00:32:26.920 weeks and we're gonna have Oh. 605 00:32:27.039 --> 00:32:29.720 So it's not wait wait wait, let me get this straight. 606 00:32:29.839 --> 00:32:30.880 So it's not tomorrow. 607 00:32:31.680 --> 00:32:33.920 It's not tomorrow. No, So thank you for asking. Yes, 608 00:32:34.000 --> 00:32:35.880 you know it's gonna be. We're gonna have it about 609 00:32:35.880 --> 00:32:38.880 two weeks from tomorrow and we'll get the exact dates 610 00:32:38.920 --> 00:32:41.519 and everything set up. But still my Moneymway dot com. 611 00:32:41.519 --> 00:32:45.160 Anybody can go to the website see the updated calendar 612 00:32:45.319 --> 00:32:47.799 for the seminar. Or if they just want to meet 613 00:32:47.839 --> 00:32:51.200 on a one on one consultation, that's absolutely complimentary. They 614 00:32:51.240 --> 00:32:53.880 can do that as well. 615 00:32:53.920 --> 00:32:55.839 Bro, what's the new date right now. 616 00:32:58.079 --> 00:33:00.680 We're looking at We're waiting for the whit for the 617 00:33:00.680 --> 00:33:01.400 hotel Thoms. 618 00:33:01.640 --> 00:33:04.839 Go with a sure thing Denver's Best roofer Excel Roofing 619 00:33:04.960 --> 00:33:05.559 dot com. 620 00:33:05.599 --> 00:33:07.599 You don't pay a cent until you're content. 621 00:33:11.000 --> 00:33:14.160 Time for an insurance check up free no obligation comparison 622 00:33:14.319 --> 00:33:17.880 call Compass Insurance paying too much your coverage at dozens 623 00:33:17.880 --> 00:33:20.599 of insurance companies find out now three oh three seven 624 00:33:20.720 --> 00:33:23.519 seven to one help. You'll think you're his only customer 625 00:33:23.559 --> 00:33:25.799 when you choose Frank durand the real estate Man dot 626 00:33:25.839 --> 00:33:29.160 com to list your home with Remax Alliance three oh 627 00:33:29.200 --> 00:33:31.279 three nine two zero sixteen twenty two. 628 00:33:37.119 --> 00:33:45.960 Rip new needed that who you don't have run anouss 629 00:33:46.359 --> 00:33:49.920 as we can. Shooter's gonna help. 630 00:33:49.920 --> 00:33:58.640 Come six is the Troubleshooter Show. No Tom Martino, Hi Tom. 631 00:33:58.440 --> 00:34:01.720 Martina here, Welcome to the show. I'm here to help 632 00:34:01.799 --> 00:34:03.519 you solve problems. De'st question taking place? 633 00:34:03.599 --> 00:34:06.920 So is Major Mark Major sitting in the house and 634 00:34:07.000 --> 00:34:09.400 where sus is she lazing today or what? 635 00:34:10.039 --> 00:34:14.079 Nope, she's in the other room working. Okay, and then 636 00:34:14.119 --> 00:34:16.199 we have I think Bo in the studio. 637 00:34:16.360 --> 00:34:16.519 Bo. 638 00:34:16.679 --> 00:34:18.559 Hello there, I'm ready to help. 639 00:34:18.880 --> 00:34:19.480 Hey, want a. 640 00:34:19.480 --> 00:34:23.800 Case, got deputy, Got deputy d over here, d thank 641 00:34:23.880 --> 00:34:24.719 you for being here. 642 00:34:24.920 --> 00:34:26.559 Hey, you're welcome. Thanks for all right. Any of you 643 00:34:26.599 --> 00:34:28.599 guys have cases you want to follow up quickly? 644 00:34:28.639 --> 00:34:30.360 You have some resolved. I don't know if you brought 645 00:34:30.440 --> 00:34:32.239 them up when Mark did the show or not, did you? 646 00:34:32.400 --> 00:34:35.360 I you know, I offered to, but we were so busy. Okay, 647 00:34:35.400 --> 00:34:37.159 so let's talk about some and now I'm going right 648 00:34:37.199 --> 00:34:39.199 to the phones, but real quick. Pick a case, because 649 00:34:39.239 --> 00:34:41.239 you had some really good ones. Yeah, you know you 650 00:34:41.280 --> 00:34:42.719 may recalled it. A few months ago. 651 00:34:42.840 --> 00:34:44.920 Lady by the name of Roberta called this because she 652 00:34:45.079 --> 00:34:50.320 lost seventy eight hundred dollars oh Wills Fargo, Yeah, habit. 653 00:34:50.039 --> 00:34:53.119 Card to us and they said it was not fraud. Yeah. 654 00:34:53.119 --> 00:34:56.039 They actually denied her claim, and then she asked them 655 00:34:56.079 --> 00:35:00.000 to reinvestigate. She appealed to the nial. They they supposedly reinvestigate, 656 00:35:00.119 --> 00:35:02.920 edited and denied it again. So she was out seventy 657 00:35:02.920 --> 00:35:05.960 eight hundred bucks, but we developed a really great resource. 658 00:35:06.000 --> 00:35:08.679 Okay, so she's still out the money, though, Well, listen 659 00:35:08.719 --> 00:35:10.400 to this and get ready to be happy. 660 00:35:11.360 --> 00:35:13.519 I just got an email from her over the weekend 661 00:35:13.599 --> 00:35:16.800 saying that the resource that told us that he's going 662 00:35:16.880 --> 00:35:20.400 to help with it, this is their press affairs guy. 663 00:35:21.119 --> 00:35:25.840 He asked the investigating department to re reinvestigate this matter. 664 00:35:26.280 --> 00:35:28.840 They immediately found that Roberta was in the right and 665 00:35:28.880 --> 00:35:30.679 they credited her account a little. 666 00:35:30.400 --> 00:35:34.079 Almighty god dollars. 667 00:35:34.320 --> 00:35:39.480 Oh my goodness, no craft, Yeah, wells Fargo of all places. 668 00:35:39.239 --> 00:35:48.840 So we Mark, isn't that great news? My gosh? Man thought? Okay, 669 00:35:49.159 --> 00:35:52.599 you know, I just not my dinger handy, but thanks both. 670 00:35:52.840 --> 00:35:56.840 Since my new configuration, I can't and Mark makes fun 671 00:35:56.880 --> 00:36:00.320 of me. Everything's perfect on the technology side of except 672 00:36:00.320 --> 00:36:02.800 I can't get my sound effects to go through this 673 00:36:02.920 --> 00:36:04.000 board for some reason. 674 00:36:04.239 --> 00:36:06.400 And they're not being picked to it. 675 00:36:07.320 --> 00:36:12.199 Thank you, bro. I give the dinger to d We 676 00:36:12.199 --> 00:36:14.320 should call him Deputy Dingery, as so many of them. 677 00:36:14.320 --> 00:36:17.239 But anyway, whoa bo do you have? 678 00:36:17.280 --> 00:36:18.840 Any I have. 679 00:36:20.280 --> 00:36:24.239 This one I'm working on from last Friday. 680 00:36:24.480 --> 00:36:25.719 Her name is Erene. 681 00:36:26.559 --> 00:36:32.000 She called in about her furnace and this lady has 682 00:36:32.119 --> 00:36:36.039 not had heat since November shed. 683 00:36:36.119 --> 00:36:38.760 Oh that's right, true story. Did you go out there? 684 00:36:38.840 --> 00:36:42.039 Yes, I went out there Saturday afternoon. 685 00:36:42.440 --> 00:36:46.840 She had five companies come out there, and basically every 686 00:36:46.840 --> 00:36:50.199 one of them said, you cannot get parts for the furnace. 687 00:36:50.599 --> 00:36:51.840 And one of the companies. 688 00:36:52.599 --> 00:36:53.280 Is that true? 689 00:36:54.599 --> 00:36:56.920 No, it's not true at all. It's it's an eighty 690 00:36:56.960 --> 00:36:58.400 percent furnace. It's a train. 691 00:36:58.599 --> 00:37:00.480 I looked it up over the week and I can 692 00:37:00.519 --> 00:37:02.239 get practically every part. 693 00:37:02.039 --> 00:37:02.840 For the furnace. 694 00:37:03.199 --> 00:37:05.599 But the problem is, mom, Yes. 695 00:37:07.440 --> 00:37:08.920 I just want to ask a quick question. 696 00:37:09.599 --> 00:37:12.480 Did any of those companies that told her they can't 697 00:37:12.519 --> 00:37:15.039 get parts and she has to replace it? Were they 698 00:37:15.039 --> 00:37:16.519 on my referral list? 699 00:37:17.480 --> 00:37:20.239 She only gave me three companies and they were not, 700 00:37:20.360 --> 00:37:22.159 But there are two others she's trying to send me 701 00:37:22.199 --> 00:37:22.880 paperwork on. 702 00:37:24.239 --> 00:37:24.360 All. 703 00:37:24.440 --> 00:37:26.360 Right, but this is what I want to say. 704 00:37:26.840 --> 00:37:28.320 One of the people. 705 00:37:29.679 --> 00:37:33.960 Went out there and pulled all the wires out. They 706 00:37:34.320 --> 00:37:36.800 pulled everything out, and it looks like a bull of 707 00:37:36.920 --> 00:37:38.280 spaghetti inside the furnace. 708 00:37:38.320 --> 00:37:39.920 So I just couldn't track all of the You. 709 00:37:39.840 --> 00:37:42.239 Know why they did that, right, Sure they did. 710 00:37:42.320 --> 00:37:45.719 They wanted to try to disable it, so it couldn't well. 711 00:37:45.760 --> 00:37:51.480 It called the it's called the savior complex. 712 00:37:51.679 --> 00:37:55.400 Yeah, they want to put you in a situation where 713 00:37:55.400 --> 00:37:57.760 you need them to be their savior. 714 00:37:58.760 --> 00:38:00.960 I'm looking up the call. What what is her? 715 00:38:01.079 --> 00:38:01.320 Uh? 716 00:38:01.800 --> 00:38:04.239 Her her name is under Erene. 717 00:38:04.719 --> 00:38:07.760 She called on one twenty four, I think it was 718 00:38:07.760 --> 00:38:11.039 in the eleven o'clock care and she's had no heat 719 00:38:11.119 --> 00:38:12.320 for over six months. 720 00:38:13.559 --> 00:38:16.960 So that furnace. Can the wiring be repearline? I have down? 721 00:38:17.039 --> 00:38:19.440 But okay, so it's not earline, it's rowhen. 722 00:38:19.880 --> 00:38:22.920 It's e r L E E n earleine. 723 00:38:23.639 --> 00:38:25.639 That's what I got it. Okay, thank you, So I 724 00:38:25.920 --> 00:38:26.559 correct that. 725 00:38:26.679 --> 00:38:27.760 So what I'm trying to do. 726 00:38:27.840 --> 00:38:29.920 I got a list of all the parts that we 727 00:38:30.000 --> 00:38:33.599 could possibly I could possibly put in, but the wiring 728 00:38:33.679 --> 00:38:37.440 everyone screwed up. The wiring is a little beyond my capability. 729 00:38:37.519 --> 00:38:40.039 So I have a friend that's going to come out. 730 00:38:40.079 --> 00:38:42.039 I'm going to go back over there this week and 731 00:38:42.079 --> 00:38:44.400 try to trace it out, and I'm going to try 732 00:38:45.079 --> 00:38:48.519 to get her furnace going because she's only she only 733 00:38:48.519 --> 00:38:51.599 gets three hundred dollars a month social Security. She's got 734 00:38:51.599 --> 00:38:54.519 her daughter and two grandkids living with her, and you 735 00:38:54.639 --> 00:38:56.719 huddle in the they huddle in the bedroom, all of 736 00:38:56.719 --> 00:38:59.280 them together at night to stay warm. They have some 737 00:38:59.360 --> 00:39:03.079 electric going on. But I think I can get the 738 00:39:03.079 --> 00:39:06.920 furnace going. But for those people to say it needed 739 00:39:06.960 --> 00:39:10.840 to be replaced because the parts are not available, it's 740 00:39:10.880 --> 00:39:13.440 not true. I mean, the furnace is only fifteen years 741 00:39:13.480 --> 00:39:15.119 old and I don't think there's anything wrong with it 742 00:39:15.159 --> 00:39:17.360 other than one of the contractors that came out they 743 00:39:17.480 --> 00:39:20.719 try to sell her a new one that basically disabled it. 744 00:39:22.920 --> 00:39:27.119 Okay, I want to know something. How old is it? 745 00:39:27.119 --> 00:39:29.320 It's about fifteen sixteen years old? 746 00:39:30.880 --> 00:39:35.559 Yeah, but that to be fair, sometimes I know people 747 00:39:35.559 --> 00:39:38.960 don't have the money, but to be fair, sometimes it 748 00:39:39.119 --> 00:39:42.480 isn't worth fixing unless they're minor parts, right. 749 00:39:42.480 --> 00:39:47.599 Bo Yes, I mean you're rid in fairness. It's old 750 00:39:47.599 --> 00:39:48.599 that should be replaced. 751 00:39:48.599 --> 00:39:51.079 But she doesn't have to nine thousand dollars that she 752 00:39:51.199 --> 00:39:53.559 got quotes from seventy five to nine thousand dollars. 753 00:39:53.599 --> 00:39:55.519 So that's why I want to try to help her 754 00:39:55.519 --> 00:39:56.280 and get her going. 755 00:39:56.960 --> 00:39:59.440 Yeah, I get it. I just can't. I thank you, man. 756 00:39:59.559 --> 00:40:05.719 That's great. I have one more, so let go. Okay, Well, 757 00:40:05.800 --> 00:40:07.400 let me take a call first and we'll go back 758 00:40:07.440 --> 00:40:12.599 to you. I really appreciate it. Bo Crystal. What's going on? 759 00:40:14.000 --> 00:40:17.000 Yes, I wanted to elicit some help on a toe, 760 00:40:17.519 --> 00:40:20.719 a car towing scam that happened to my family. We 761 00:40:20.800 --> 00:40:25.679 had a vehicle that unfortunately the registration expired, but it 762 00:40:25.800 --> 00:40:29.360 was a family heirloom that we were trying to restore, 763 00:40:29.920 --> 00:40:32.840 and it was in my son's apartment complex and it 764 00:40:32.920 --> 00:40:34.599 was not ready hold on. 765 00:40:34.599 --> 00:40:39.159 A family heirloom and hold on a family heirloom was 766 00:40:39.159 --> 00:40:41.880 was in a parking lot at an apartment outside. 767 00:40:42.639 --> 00:40:46.360 I realized that, yeah. 768 00:40:44.440 --> 00:40:47.079 And oh no, no, I'm just asking, I'm just asking 769 00:40:47.159 --> 00:40:48.239 what kind of an heirloom? 770 00:40:48.280 --> 00:40:51.280 Is it an antique? What is it? 771 00:40:51.440 --> 00:40:51.559 Well? 772 00:40:51.639 --> 00:40:53.599 Well, what is it? Though? She called? Go ahead? 773 00:40:54.440 --> 00:40:58.880 Eighty five dodgs Ram. That was my husband's grandfathers and 774 00:40:58.920 --> 00:41:01.199 it was passed down to grandson. 775 00:41:02.519 --> 00:41:11.320 And so it was a nineteen eighty five Dodge Ram, Yes, okay, 776 00:41:11.599 --> 00:41:17.119 and it was toad it was it had an expired registration. 777 00:41:17.280 --> 00:41:23.920 Is that right? That's correct, which I know is fired registration. Yes, well, 778 00:41:23.920 --> 00:41:24.559 I understand that. 779 00:41:24.559 --> 00:41:27.239 I mean, and by the way, by the way, that 780 00:41:27.239 --> 00:41:30.199 that was probably a legal toe, But why do you 781 00:41:30.280 --> 00:41:31.559 call it a scam? 782 00:41:32.159 --> 00:41:36.119 Yeah, let me explain. So it was not running and 783 00:41:36.159 --> 00:41:41.079 it was towed from the apartment complex to a private 784 00:41:41.239 --> 00:41:46.960 parking lot, which then a different toe company towed it 785 00:41:47.519 --> 00:41:48.519 and impounded it. 786 00:41:48.599 --> 00:41:51.199 What wait a minute, why did they take it to 787 00:41:51.280 --> 00:41:52.719 a private lot? 788 00:41:52.880 --> 00:41:56.400 Exactly? That's why I think it's Well, no, I'm asking 789 00:41:56.519 --> 00:41:56.920 did they? 790 00:41:56.960 --> 00:41:58.800 Did they? And how do you know that happen? 791 00:42:00.119 --> 00:42:03.280 So we were the last folks to register that vehicle. 792 00:42:03.679 --> 00:42:07.039 So we got a certified letter from a towing company 793 00:42:08.559 --> 00:42:11.159 two weeks after the fact that said our vehicle was 794 00:42:11.199 --> 00:42:13.920 impounded and we owed two thousand dollars. 795 00:42:14.239 --> 00:42:17.440 Well, they had to give you twenty couple things real quick. 796 00:42:17.480 --> 00:42:20.119 They had to give you a twenty four hour notice. 797 00:42:20.119 --> 00:42:21.599 But all they have to do is put it on 798 00:42:21.679 --> 00:42:24.400 the car. Just because of what you just said, you 799 00:42:24.440 --> 00:42:27.559 didn't realize it for two weeks. I would assume they 800 00:42:27.599 --> 00:42:30.840 did that. You guys didn't see it. They cannot toe 801 00:42:30.880 --> 00:42:35.840 it for just having expired plates, but they can toe 802 00:42:35.880 --> 00:42:38.800 it for a vehicle that doesn't run in their parking lot. 803 00:42:39.880 --> 00:42:43.320 So the apartment complex did not call the toe. 804 00:42:43.239 --> 00:42:47.559 Company if they don't have to, if they have an 805 00:42:47.559 --> 00:42:51.480 existing relationship, they don't have to. A toe company doesn't 806 00:42:51.519 --> 00:42:54.480 go on to private property and tow something just because 807 00:42:54.519 --> 00:42:58.159 they want to. Did the apartment complex have a relationship 808 00:42:58.159 --> 00:43:03.280 with the toe company? No, So it was a random 809 00:43:03.360 --> 00:43:06.719 toe company driving past an apartment complex and said, we're 810 00:43:06.719 --> 00:43:08.199 going to go in and we're going to toe cars 811 00:43:08.239 --> 00:43:08.840 for the hell of it. 812 00:43:09.239 --> 00:43:10.719 What's the name of the complex? 813 00:43:11.119 --> 00:43:11.239 No? 814 00:43:11.239 --> 00:43:13.639 No, wait, wait, Mark, wait, Crystal, I need to know 815 00:43:13.719 --> 00:43:15.599 if that's the case, I think you have a good case. 816 00:43:15.800 --> 00:43:16.440 So they were. 817 00:43:16.360 --> 00:43:21.519 Driving by, they had no signage whatsoever. This particular company 818 00:43:21.639 --> 00:43:23.800 simply decided to patrol that lot. 819 00:43:24.880 --> 00:43:25.840 So we've tried to do. 820 00:43:25.760 --> 00:43:30.000 Some investigation ourselves. So what we have determined was that 821 00:43:30.039 --> 00:43:35.719 there was a couple in a different apartment that needed 822 00:43:35.760 --> 00:43:39.079 their car repaired, so they called a tow company to 823 00:43:39.159 --> 00:43:42.280 repair to pick up their car to be repaired. When 824 00:43:42.280 --> 00:43:45.960 that toe company was there, they said, hey, we see 825 00:43:46.000 --> 00:43:50.719 this older vehicle. Do you know if it's abandoned? And 826 00:43:50.760 --> 00:43:54.480 the couple said no, they didn't know. The next day 827 00:43:55.360 --> 00:44:00.320 our car was missing, and my son filed up police 828 00:44:00.320 --> 00:44:02.079 report and we. 829 00:44:02.000 --> 00:44:03.639 Later okay, is it possible. 830 00:44:04.360 --> 00:44:10.239 Is it possible that the toe company, after finding out 831 00:44:10.400 --> 00:44:12.760 there was a car there, went to the management company 832 00:44:13.159 --> 00:44:15.320 and asked did they want it toad. 833 00:44:16.400 --> 00:44:19.880 No, because we talked to the manager of the apartment. 834 00:44:20.840 --> 00:44:25.920 If the management complex, if the management complex did not 835 00:44:26.079 --> 00:44:30.679 want it, toad and there was no signage and you 836 00:44:30.760 --> 00:44:33.880 didn't get twenty four hours, notice that first toe company 837 00:44:33.920 --> 00:44:34.159 is going. 838 00:44:34.159 --> 00:44:36.760 To owe you every dime. What's the name of the company, 839 00:44:36.800 --> 00:44:37.280 every dime? 840 00:44:39.599 --> 00:44:45.679 The name of the complex is I should notice Bear Creek? 841 00:44:50.320 --> 00:44:55.119 Okay, yeah, okay, so listen address, listen to information. I 842 00:44:55.119 --> 00:44:58.239 don't need that. The first toe company, what was the name? 843 00:44:58.559 --> 00:44:59.360 Is it in Bolder? 844 00:45:00.800 --> 00:45:07.559 No, it's in Lakewood. And the only reason we determined 845 00:45:07.880 --> 00:45:11.079 all of this was because we got some ring video 846 00:45:11.159 --> 00:45:15.440 footage of the tow truck that there was no yeah, 847 00:45:15.480 --> 00:45:18.320 okay name. There was no name on a tow truck, 848 00:45:18.360 --> 00:45:19.679 and we could not get the license. 849 00:45:19.719 --> 00:45:22.239 So when your son reported it, they didn't know where 850 00:45:22.239 --> 00:45:25.599 the truck was this company. I don't understand why this 851 00:45:25.679 --> 00:45:28.800 company towed it to a private lot if they weren't going. 852 00:45:28.800 --> 00:45:29.400 To get paid. 853 00:45:30.519 --> 00:45:32.280 So that's why I think that they're. 854 00:45:32.440 --> 00:45:33.920 Wait, wait, wait, just run quick. 855 00:45:34.199 --> 00:45:37.920 Why would why would a company give away a toe 856 00:45:38.039 --> 00:45:40.360 to another company in another private lot? 857 00:45:42.039 --> 00:45:47.000 So I think that the where it ended up being 858 00:45:47.079 --> 00:45:51.880 toe to that company's apt I think they're in collusion 859 00:45:52.199 --> 00:45:54.280 with other toe companies. 860 00:45:55.480 --> 00:45:58.599 So do you think they say to people? So they 861 00:45:58.719 --> 00:46:02.800 say to people, find vehicles and bring them to our lot, 862 00:46:03.559 --> 00:46:06.320 and we will have them towed to impound, and we 863 00:46:06.400 --> 00:46:07.880 will then split the money with you. 864 00:46:08.719 --> 00:46:09.599 That's what I think. 865 00:46:10.800 --> 00:46:15.320 Okay, hold on, Crystal, Why wouldn't those other companies simply 866 00:46:15.679 --> 00:46:20.000 find abandoned vehicles and go directly to impound and make 867 00:46:20.039 --> 00:46:22.519 the money without splitting it with this other company. 868 00:46:23.920 --> 00:46:28.960 What I think is the abandoned vehicles that perhaps the 869 00:46:29.000 --> 00:46:31.920 people that own them would not follow up on it 870 00:46:33.079 --> 00:46:36.760 so that they will then auction the vehicles off or 871 00:46:36.880 --> 00:46:37.440 part the matter. 872 00:46:37.519 --> 00:46:40.360 Well, I'm still asking why couldn't a tow company do 873 00:46:40.440 --> 00:46:43.159 that directly? Why would they have to abandon it go 874 00:46:43.280 --> 00:46:45.800 through an extra step of putting it in a vacant lot. 875 00:46:46.599 --> 00:46:48.639 Yeah, I don't know. It's just a whole weird situation, 876 00:46:48.840 --> 00:46:49.840 like why was the. 877 00:46:50.000 --> 00:46:53.519 Well, it doesn't sound it doesn't sound efficient. It doesn't 878 00:46:53.559 --> 00:46:57.119 sound efficient to me. But I'm not saying it's impossible 879 00:46:58.480 --> 00:47:01.559 no matter what that matter or what and how do 880 00:47:01.639 --> 00:47:03.360 you know there are others this happens too. 881 00:47:04.159 --> 00:47:04.719 With that lote. 882 00:47:07.280 --> 00:47:13.480 I looked onlines and saw reviews for the company where 883 00:47:13.519 --> 00:47:19.840 the toe the vehicle ended up was app towing and. 884 00:47:18.840 --> 00:47:21.400 And did they did other people say my car was 885 00:47:21.440 --> 00:47:23.800 towed to this lot and then towed out of it. 886 00:47:24.920 --> 00:47:26.800 No, not specific to that. 887 00:47:27.599 --> 00:47:30.719 Okay, all right, So so you're just surmising this is 888 00:47:30.719 --> 00:47:31.320 what happens. 889 00:47:31.840 --> 00:47:34.960 I don't think any scammer, none of the listen. I don't. 890 00:47:35.039 --> 00:47:36.239 I don't think that happened. 891 00:47:36.599 --> 00:47:40.159 I don't think there's scam towing multiple cars to this 892 00:47:40.239 --> 00:47:43.280 lot in order to rack up fees and split money 893 00:47:43.280 --> 00:47:45.960 with someone when they can go direct. There might be 894 00:47:46.119 --> 00:47:49.039 a collusion in this case between the toe toe companies. 895 00:47:49.079 --> 00:47:52.960 Honest to God, there might be because that that toe company, 896 00:47:53.159 --> 00:47:55.519 that toe company may have said, look, I don't have 897 00:47:55.599 --> 00:47:58.440 authorization to take this toe, but if I put it 898 00:47:58.480 --> 00:48:00.760 over in your lot, will you send the notice and 899 00:48:00.800 --> 00:48:01.719 all the other stuff. 900 00:48:02.000 --> 00:48:03.559 It could be, It really could be. 901 00:48:03.599 --> 00:48:05.480 I don't think it's a massive scan, but I think 902 00:48:05.760 --> 00:48:07.360 that maybe you stumbled onto something. 903 00:48:07.639 --> 00:48:08.400 But I'm going to go. 904 00:48:08.400 --> 00:48:11.119 Back to one thing after Deputy d gives us two 905 00:48:11.159 --> 00:48:13.559 cents because he's been wanting to. But there's one thing 906 00:48:13.599 --> 00:48:15.239 that's obvious that you should do. 907 00:48:15.559 --> 00:48:17.119 Deputy d What do you have to say that you 908 00:48:17.199 --> 00:48:18.159 brought you were going to bring on? 909 00:48:18.239 --> 00:48:21.480 Well, I think Crystal mentioned two very suspicious things. One 910 00:48:21.559 --> 00:48:26.199 is she has ring video of an unmarked toe company. 911 00:48:26.239 --> 00:48:28.840 This is the first toe company, right, Crystal, did you 912 00:48:28.920 --> 00:48:30.280 say their truck is unmarked? 913 00:48:31.280 --> 00:48:33.119 Correct from what we could tell. 914 00:48:33.360 --> 00:48:35.559 So you don't know the name. You don't really know 915 00:48:35.639 --> 00:48:37.280 the name of the company that told you. 916 00:48:37.519 --> 00:48:40.840 Just because she contacted one of her neighbors who originally 917 00:48:40.880 --> 00:48:42.039 called the unmarked. 918 00:48:41.679 --> 00:48:43.360 Okay, so you know the name of the company. No, 919 00:48:43.480 --> 00:48:44.280 she doesn't, don't. 920 00:48:44.480 --> 00:48:47.920 The original company came to tow that other car to repair. 921 00:48:48.519 --> 00:48:52.480 The next day her car was told. She's surmising, well, 922 00:48:52.880 --> 00:48:53.960 was it the same truck? 923 00:48:54.239 --> 00:48:55.400 Did she ask her neighbor? 924 00:48:55.719 --> 00:48:57.880 Was this the same truck that came and got my car? 925 00:48:58.000 --> 00:49:00.960 I mean, we can't just automatically assume that the next 926 00:49:01.079 --> 00:49:03.000 day her car was towed by the same company. 927 00:49:03.199 --> 00:49:05.960 So the second thing that she said is her car 928 00:49:06.159 --> 00:49:09.880 was towed by the unmarked truck to a parking lot 929 00:49:10.119 --> 00:49:11.480 of an unrelated business. 930 00:49:11.800 --> 00:49:14.840 Right, those two are very suspicious. Well, of course they aren't. 931 00:49:15.039 --> 00:49:18.639 I didn't nobody I think if it happened like she said, 932 00:49:19.039 --> 00:49:20.880 if that company towed it to another lot. It was 933 00:49:20.920 --> 00:49:23.639 so that other lot would do all the notices because 934 00:49:23.679 --> 00:49:25.880 I don't think they were authorized to take it from 935 00:49:25.960 --> 00:49:27.400 the private apartment complex. 936 00:49:27.639 --> 00:49:30.320 So they got around it by simply saying it was 937 00:49:30.400 --> 00:49:32.440 in this lot, not that lot. 938 00:49:32.679 --> 00:49:34.920 So they were hoping they could take it out of 939 00:49:35.000 --> 00:49:38.400 the apartment complex lot without anyone knowing. And then simply 940 00:49:38.440 --> 00:49:41.159 an abandoned vehicle shows up on a private lot and 941 00:49:41.280 --> 00:49:44.159 the private lot tows it legally, but it was not 942 00:49:44.360 --> 00:49:46.719 legally because it was brought there by another toe company. 943 00:49:46.960 --> 00:49:49.599 What I need to know is this, Do you know 944 00:49:49.880 --> 00:49:52.599 the name of the company that towed it to that lot? 945 00:49:54.280 --> 00:49:57.559 I do not, But the least agent, the manager at 946 00:49:57.599 --> 00:50:02.480 the apartment complex, knows the couple who had their vehicle 947 00:50:04.000 --> 00:50:05.679 towed by this company, and. 948 00:50:05.719 --> 00:50:07.440 Then that your vehicle. 949 00:50:08.639 --> 00:50:10.840 Yeah but no, okay, let me explain this to So 950 00:50:11.000 --> 00:50:13.360 you have the apartment complex manager who says, I know 951 00:50:13.440 --> 00:50:16.559 a couple who called a tow company, who came, who said, 952 00:50:17.079 --> 00:50:17.840 what is that car? 953 00:50:18.280 --> 00:50:20.159 And then the next day it was missing. Do you 954 00:50:20.239 --> 00:50:23.000 understand you don't have any evidence that that car? I 955 00:50:23.079 --> 00:50:26.800 mean you do you have? You said, there's ring video 956 00:50:27.000 --> 00:50:29.920 of your son's truck. Being towed. Is that right? 957 00:50:30.159 --> 00:50:31.239 Yes, that's correct. 958 00:50:32.599 --> 00:50:35.280 Okay, that truck and the toe companies. 959 00:50:35.760 --> 00:50:38.920 Is it the same truck as the couple that had 960 00:50:38.960 --> 00:50:42.519 their truck had their car toad to repair? 961 00:50:42.719 --> 00:50:45.719 Is it the same truck? I do not know because 962 00:50:45.920 --> 00:50:48.000 the well, you got to do your homework. If it's 963 00:50:48.000 --> 00:50:50.679 the same truck. If it's the same truck, you can 964 00:50:50.760 --> 00:50:51.559 maybe get the name. 965 00:50:52.679 --> 00:50:55.119 I tried, but the manager at the complex does not 966 00:50:55.159 --> 00:50:57.760 feel comfortable giving us a couple's information. 967 00:50:58.599 --> 00:51:00.760 Well, then you're at a dead end. You're at a 968 00:51:00.800 --> 00:51:04.400 total dead end. What you can what you can do? 969 00:51:05.159 --> 00:51:10.880 Well, if somebody just tells me this happened and there's 970 00:51:10.960 --> 00:51:15.119 absolutely no evidence and you can't get the evidence, we 971 00:51:15.239 --> 00:51:16.840 can't assume it that's what happened. 972 00:51:16.880 --> 00:51:19.519 I mean, well, if I knew the damn complex's name, 973 00:51:19.559 --> 00:51:20.360 I'd make a call. 974 00:51:20.519 --> 00:51:22.800 But there is not a Bear Creek in Lakewood, so 975 00:51:22.880 --> 00:51:24.119 I'd have to know something. 976 00:51:25.320 --> 00:51:27.480 Sure, we will make a call, but there's something else 977 00:51:27.519 --> 00:51:31.400 I want to ask another obvious question. The toe company 978 00:51:31.519 --> 00:51:34.519 that did take it to impound that now wants two 979 00:51:34.639 --> 00:51:35.480 thousand dollars. 980 00:51:36.079 --> 00:51:39.239 Do they have evidence that there was notice put on there? 981 00:51:39.440 --> 00:51:41.840 And again, you wouldn't have known about the notice because 982 00:51:41.840 --> 00:51:43.800 it wasn't in your normal parking space. 983 00:51:44.199 --> 00:51:46.800 But do they have evidence that they at least tried 984 00:51:46.880 --> 00:51:47.719 to do it the right way? 985 00:51:49.639 --> 00:51:56.119 We did call the lady at the toe company, and yes, 986 00:51:57.199 --> 00:52:01.000 she asked if we were going to pay to get the. 987 00:52:01.079 --> 00:52:04.119 Truck out and if not, she was not going to 988 00:52:04.159 --> 00:52:07.079 take the time to do the investigation. 989 00:52:08.400 --> 00:52:10.960 Okay. What is the name of the second toe company? 990 00:52:12.039 --> 00:52:13.320 APT Towing. 991 00:52:14.760 --> 00:52:18.440 Att APT APT. 992 00:52:19.400 --> 00:52:23.639 Got it and I do have the apartment complex is 993 00:52:23.840 --> 00:52:26.920 ranch at Bear Creek Crystal. 994 00:52:27.000 --> 00:52:29.960 Did APT advise you of your right to get that 995 00:52:30.159 --> 00:52:33.039 car back for a very small initial payment of something 996 00:52:33.159 --> 00:52:36.840 like sixty seven dollars approximately and then enter into a 997 00:52:36.880 --> 00:52:38.719 payment arrangement with them that's required. 998 00:52:38.880 --> 00:52:42.119 No, that they sat at the time when we first 999 00:52:42.159 --> 00:52:45.079 were notified and called them that we owed them two 1000 00:52:45.119 --> 00:52:45.840 thousand dollars. 1001 00:52:46.880 --> 00:52:49.599 Okay, did they tell you there are now legal payment 1002 00:52:49.679 --> 00:52:51.039 arrangements they have to make with you. 1003 00:52:51.039 --> 00:52:54.599 You can get the clarification of that from the PUC. 1004 00:52:55.000 --> 00:52:55.599 Well they can't. 1005 00:52:55.639 --> 00:52:57.920 They have to and the first call I would make 1006 00:52:57.920 --> 00:53:00.480 a fire use to the PUC to submit the complaint 1007 00:53:00.519 --> 00:53:00.960 about them. 1008 00:53:01.280 --> 00:53:05.559 The toe company will take that very very seriously and 1009 00:53:06.079 --> 00:53:06.840 do you see, will. 1010 00:53:06.679 --> 00:53:10.000 Also advise you of the details of your rights under 1011 00:53:10.079 --> 00:53:13.360 this towing law, and that will give you some time 1012 00:53:14.079 --> 00:53:17.599 to investigate us further without being at risk of having 1013 00:53:17.639 --> 00:53:19.480 your automobile sold in the meantime. 1014 00:53:19.639 --> 00:53:23.920 Unfortunately, I think by the way, yeah, go ahead. I 1015 00:53:24.000 --> 00:53:27.039 was going to say, unfortunately we miss the deadline. I've 1016 00:53:27.079 --> 00:53:29.320 been trying to get people to how I reached out 1017 00:53:29.639 --> 00:53:30.519 to Fox News. 1018 00:53:30.679 --> 00:53:33.480 What deadline did you miss? What deadline are you talking about? 1019 00:53:34.119 --> 00:53:37.079 They said that if we didn't pay for the full 1020 00:53:38.639 --> 00:53:42.559 impound fees by the nineteenth of this month, that we 1021 00:53:43.000 --> 00:53:45.840 lost our ability to get those It was the date. 1022 00:53:45.880 --> 00:53:47.159 Well, they're wrong. 1023 00:53:47.960 --> 00:53:51.159 So APT is required by law to auction off your 1024 00:53:51.280 --> 00:53:56.119 car after sixty days. You have until the fifty ninth 1025 00:53:56.239 --> 00:53:58.559 day to come and get Okay, do you know. 1026 00:53:58.599 --> 00:54:01.320 The date of the y and they can't charge you 1027 00:54:01.360 --> 00:54:05.760 the whole amount or they can't, but they must allow 1028 00:54:05.880 --> 00:54:09.079 you to make a down payment. They never advised you 1029 00:54:09.159 --> 00:54:11.760 of a down payment. Indeed, you want to call over 1030 00:54:11.840 --> 00:54:12.719 to that pee company. 1031 00:54:12.760 --> 00:54:15.679 Yeah, just one quick question, Crystal, was the what was 1032 00:54:15.760 --> 00:54:18.119 the date of the toe? Approximate date of the toe? 1033 00:54:18.639 --> 00:54:21.800 I believe they picked up it on the twelfth of December, 1034 00:54:22.360 --> 00:54:24.719 and they were giving us until January nineteenth. 1035 00:54:24.840 --> 00:54:29.400 Today, I'll be happy to call them, Tom. 1036 00:54:32.079 --> 00:54:34.960 Oh Man, I think you're getting screwed for sure. I 1037 00:54:35.000 --> 00:54:37.559 don't think there's a massive scale going on, but I 1038 00:54:37.679 --> 00:54:43.800 think you definitely the second company she said December twelfth, right, 1039 00:54:45.039 --> 00:54:48.320 I think that company did not give you the right 1040 00:54:48.440 --> 00:54:50.679 information to get your car back because they don't want to. 1041 00:54:55.480 --> 00:54:57.920 I got to take a break. Is this the first break? 1042 00:54:59.719 --> 00:55:00.920 I'm I'm in big trouble. 1043 00:55:00.960 --> 00:55:03.800 I'm sorry, So I'm gonna get get the information for 1044 00:55:03.920 --> 00:55:05.280 Deputy b d Here. 1045 00:55:05.719 --> 00:55:07.800 I'm Tom Martino. Thanks man more coming up? 1046 00:55:12.440 --> 00:55:15.679 Go with a sure thing Denver's best roofer Excel Roofing 1047 00:55:15.800 --> 00:55:18.400 dot com. You don't pay a cent until you're content. 1048 00:55:21.800 --> 00:55:24.960 Time for an insurance check up free, no obligation. In comparison, 1049 00:55:25.119 --> 00:55:28.679 call Compass Insurance paying too much your coverage at dozens 1050 00:55:28.679 --> 00:55:31.440 of insurance companies find out now three oh three seven 1051 00:55:31.519 --> 00:55:34.320 seven to one help. You'll think you're his only customer 1052 00:55:34.360 --> 00:55:36.559 when you choose Frank durand the real estate Man dot 1053 00:55:36.679 --> 00:55:39.960 com to list your home with Remax Alliance three oh 1054 00:55:40.000 --> 00:55:45.679 three nine two zero sixteen twenty two. Hi Tom Martino, 1055 00:55:45.760 --> 00:55:49.119 Your troubleshooter three oh three seven one three talk seven 1056 00:55:49.159 --> 00:55:51.760 one three eight two five five Russ, what's happening with you? 1057 00:55:51.920 --> 00:55:52.199 Russ? 1058 00:55:54.320 --> 00:55:57.119 Wondering if you can give me some ideas. I have 1059 00:55:57.280 --> 00:56:00.599 a ranch home and uh, we wish in the family 1060 00:56:00.719 --> 00:56:03.599 room and it's just in that area, not in the bedroom, 1061 00:56:03.639 --> 00:56:06.679 and then we hear a cracking popping sound and it 1062 00:56:06.760 --> 00:56:09.000 gets worse when I turn the gas fireplace off. 1063 00:56:09.920 --> 00:56:11.840 It doesn't do it a lot, but okay, hold on, 1064 00:56:12.320 --> 00:56:14.400 hold on, a cracking There's a couple of things I 1065 00:56:14.440 --> 00:56:17.599 want to ask you. When you say a cracking popping sound, 1066 00:56:18.239 --> 00:56:22.159 does this sound if you can tell mechanical or electrical 1067 00:56:22.280 --> 00:56:23.039 or you can't tell. 1068 00:56:24.039 --> 00:56:29.320 No, it's it's structural. It's what structural? 1069 00:56:29.760 --> 00:56:33.360 You know there like a like a floor creek or something. 1070 00:56:34.440 --> 00:56:37.000 Yeah, kind of like, uh, you know, it sounds like 1071 00:56:37.119 --> 00:56:39.320 the ceiling is going to fall on you. But you 1072 00:56:39.400 --> 00:56:42.920 know it's it gets loud sometimes and it's been doing 1073 00:56:42.960 --> 00:56:45.639 it for a while that it seems to be getting worse. 1074 00:56:45.719 --> 00:56:47.039 And I'm just wondering if you have any. 1075 00:56:46.920 --> 00:56:49.760 Idea and you hear, okay, hold on, are you noticing 1076 00:56:49.840 --> 00:56:51.960 any cracks and walls or doors that are hard to 1077 00:56:52.000 --> 00:56:53.199 close or anything different. 1078 00:56:53.360 --> 00:56:57.000 Windows not opening, No, we even have now now. 1079 00:56:58.800 --> 00:57:03.960 Okay, okay, So you hear this noise primarily in one 1080 00:57:04.039 --> 00:57:06.480 room and not the others mostly. 1081 00:57:06.599 --> 00:57:11.400 Yeah, yeah, it's the family room, and then there's a 1082 00:57:11.840 --> 00:57:14.719 dining small dining area, and then we go into the kitchen, 1083 00:57:14.800 --> 00:57:19.360 but we mostly hear it around that area. And the 1084 00:57:19.440 --> 00:57:22.760 garage door is where the family room is where you 1085 00:57:22.840 --> 00:57:25.400 go out to the garage, and you know, once we 1086 00:57:25.880 --> 00:57:27.719 open the door, and then we can hear it every 1087 00:57:27.760 --> 00:57:28.760 once in a while, you know. 1088 00:57:29.360 --> 00:57:31.599 But now, what do you what do you hear? Tell 1089 00:57:31.679 --> 00:57:32.280 me what you hear. 1090 00:57:33.079 --> 00:57:36.760 It's like a cracking sound, you know, And I someone 1091 00:57:36.840 --> 00:57:37.639 told me that it might be. 1092 00:57:37.880 --> 00:57:39.960 Have you ever heard have you ever heard a creaky 1093 00:57:40.039 --> 00:57:41.599 floor when you walk across it? 1094 00:57:42.760 --> 00:57:49.119 Yes, but like that, Yeah, it's just an attic No, no, no, no, 1095 00:57:50.519 --> 00:57:50.960 I get it. 1096 00:57:51.079 --> 00:57:53.480 But does it sound like a creaky floor. 1097 00:57:54.599 --> 00:57:55.199 Kind of yeah? 1098 00:57:57.360 --> 00:58:02.199 And when it happens, does it happen one day and 1099 00:58:02.320 --> 00:58:04.239 not the other on certain days? 1100 00:58:05.239 --> 00:58:10.079 No, it's usually every other day. Maybe when I have 1101 00:58:10.199 --> 00:58:12.679 the gas fireplace on, we're sitting in and watching TV. 1102 00:58:13.760 --> 00:58:16.280 You know, all of a sudden you hear it real loud, 1103 00:58:16.360 --> 00:58:19.760 and you know, there's no cracks in the ceiling nothing, 1104 00:58:20.280 --> 00:58:22.079 you know, and I was someone told me that it 1105 00:58:22.159 --> 00:58:22.480 might no. 1106 00:58:22.519 --> 00:58:22.880 No, no, no no. 1107 00:58:23.400 --> 00:58:25.599 So you turn on the gas fireplace and you hear 1108 00:58:25.679 --> 00:58:26.519 it loud, right. 1109 00:58:27.159 --> 00:58:29.480 Yeah, after a while, I think. 1110 00:58:29.400 --> 00:58:33.159 It's your I know it because your flu is heating up. 1111 00:58:33.639 --> 00:58:36.280 I think it's a reaction to the extreme cold and 1112 00:58:36.360 --> 00:58:40.280 the warmth of your house and the metal flu going 1113 00:58:40.360 --> 00:58:42.559 up through a wall. That's what I think. Now, that's 1114 00:58:42.679 --> 00:58:45.400 just from hearing what you're saying. Obviously you can have 1115 00:58:45.519 --> 00:58:49.039 that checked out. So you have a gas fireplace, yes, 1116 00:58:51.159 --> 00:58:54.159 so it happens even when the gas fireplace. 1117 00:58:53.760 --> 00:58:59.840 Is off right, Yeah, but not as loud and yeah, so. 1118 00:59:00.000 --> 00:59:03.840 Oh hold on, so hold on. So so I think 1119 00:59:03.920 --> 00:59:06.320 that's what it is. I think it's your your flu 1120 00:59:07.079 --> 00:59:09.880 or some kind of duct work for that fireplace. 1121 00:59:09.960 --> 00:59:15.039 I really do. Now there's a way to check it out, 1122 00:59:15.039 --> 00:59:16.480 but I don't want you to get dangerous. 1123 00:59:17.000 --> 00:59:17.280 Are you. 1124 00:59:18.920 --> 00:59:20.599 Do you know where that exhausts on the roof? 1125 00:59:21.679 --> 00:59:21.920 Yeah? 1126 00:59:24.320 --> 00:59:28.840 Okay, Now are you handy and I'm not asking you 1127 00:59:28.920 --> 00:59:30.360 to do that. You ever get on your roof or not? 1128 00:59:32.119 --> 00:59:32.360 Yeah? 1129 00:59:32.679 --> 00:59:32.920 I do. 1130 00:59:33.119 --> 00:59:36.639 But I'm seventy six now, and my wife and kids 1131 00:59:36.719 --> 00:59:38.519 tell me don't get up on the roof. 1132 00:59:38.599 --> 00:59:41.360 So I had no, don't don't do it. Don't do it, 1133 00:59:41.440 --> 00:59:43.360 you old bastard, don't do it. I don't want you 1134 00:59:43.480 --> 00:59:45.639 on my mind. I don't want you on my conscience. 1135 00:59:46.360 --> 00:59:51.239 Yeah, so you could get you know, because someone told 1136 00:59:51.280 --> 00:59:53.039 me that maybe it could help. I don't know. 1137 00:59:53.239 --> 00:59:56.360 But uh so I'm having insulation where. 1138 00:59:56.280 --> 00:59:59.880 Slation inlation on the attic, the whole the hole addic. 1139 01:00:00.159 --> 01:00:02.800 Well, you don't have your attic is not insulated now, 1140 01:00:03.920 --> 01:00:04.760 yes it is, but. 1141 01:00:04.840 --> 01:00:10.760 It's my house is forty five years old, and it 1142 01:00:11.320 --> 01:00:12.239 doesn't seem okay. 1143 01:00:13.400 --> 01:00:16.199 Insulation is always going to help your house. I don't 1144 01:00:16.239 --> 01:00:19.280 know if it'll help the noise. I sincerely think, do 1145 01:00:19.360 --> 01:00:20.920 you know what that flu is made of? Is it 1146 01:00:21.000 --> 01:00:22.159 a pipe or is it a duct? 1147 01:00:22.320 --> 01:00:22.599 Do you know? 1148 01:00:23.880 --> 01:00:25.880 I don't know. I think it's a pipe. I don't know. 1149 01:00:27.519 --> 01:00:29.840 It's like a big silver, ugly pipe and it comes 1150 01:00:29.880 --> 01:00:32.639 out of your roof and you got a covered yes. 1151 01:00:34.280 --> 01:00:36.320 Is it bricked around your roof or is it just 1152 01:00:36.880 --> 01:00:38.880 a stovepipe hicking out with a top. 1153 01:00:39.000 --> 01:00:41.920 Obviously I'm probably just a stove pipe. We just have 1154 01:00:42.320 --> 01:00:44.159 sighting on the outside. 1155 01:00:44.400 --> 01:00:46.559 You can't see it. But you can't see it on 1156 01:00:46.639 --> 01:00:48.880 the roof. If it's just a stovepipe sticking. 1157 01:00:48.599 --> 01:00:53.119 Out, well there's yeah, there's a stove pipe kind of 1158 01:00:53.239 --> 01:00:53.559 I guess. 1159 01:00:53.639 --> 01:00:54.119 And it's. 1160 01:00:55.719 --> 01:00:59.599 Maybe maybe eight inches ten inches. 1161 01:01:01.079 --> 01:01:03.719 Yeah, that's it now. And it goes and it looks 1162 01:01:03.800 --> 01:01:04.599 like it goes down. 1163 01:01:04.480 --> 01:01:09.159 To your where your stove is, right, yes, exactly. 1164 01:01:08.880 --> 01:01:09.920 Okay are your fireplace? 1165 01:01:10.079 --> 01:01:10.400 All right? 1166 01:01:10.480 --> 01:01:13.360 Here's what I don't want you to do. But somebody 1167 01:01:13.440 --> 01:01:15.800 could do. A handyman. You have him go up on 1168 01:01:15.880 --> 01:01:17.639 the roof. I got to take a break. 1169 01:01:18.039 --> 01:01:19.599 You have n't go up on the roof and they 1170 01:01:19.679 --> 01:01:23.079 listen from the top and it'll be a distinct pinging sound. 1171 01:01:23.519 --> 01:01:26.760 But that's I'm almost positive that's what it is. Installation's 1172 01:01:26.800 --> 01:01:29.159 not going to stop it. It's just a fact of life. 1173 01:01:29.440 --> 01:01:31.559 It got a little loose over the years. You may 1174 01:01:31.639 --> 01:01:33.639 want to have a chimney sweep check it out and 1175 01:01:33.679 --> 01:01:36.480 make sure it's secure. They can help secure it and 1176 01:01:36.639 --> 01:01:40.880 maybe cement it where it's loose, or maybe even replace 1177 01:01:40.960 --> 01:01:41.440 the liner. 1178 01:01:41.840 --> 01:01:44.840 Whatever. Just that's what I think it is. We have 1179 01:01:44.960 --> 01:01:51.320 more coming up on the Troubleshooter show. Go with a 1180 01:01:51.440 --> 01:01:51.880 Sure Thing. 1181 01:01:52.039 --> 01:01:55.360 Denver's best roofer Excel Roofing dot com. You don't pay 1182 01:01:55.400 --> 01:02:02.000 a cent until you're content. Time for an insurance checkup free, 1183 01:02:02.119 --> 01:02:05.800 no obligation. In comparison, call Compass Insurance. Pay too much 1184 01:02:05.960 --> 01:02:08.880 your coverage at dozens of insurance companies find out now 1185 01:02:09.000 --> 01:02:11.239 three oh three seven to seven to one help. You'll 1186 01:02:11.280 --> 01:02:14.039 think you're his only customer when you choose Frank durand 1187 01:02:14.039 --> 01:02:16.440 the real estate Man dot com to list your home 1188 01:02:16.719 --> 01:02:19.840 with Remax Alliance three oh three nine two zero sixteen 1189 01:02:19.920 --> 01:02:29.639 twenty two. Tom Martine, Here, we're going to Jordan Caiano. Hey, Jordan, 1190 01:02:29.760 --> 01:02:34.000 I want to talk about this. Somebody asks, at what 1191 01:02:34.360 --> 01:02:40.599 point do you suggest a fixed indextinuity for someone that 1192 01:02:40.760 --> 01:02:46.920 has some guaranteed returns and guaranteed guaranteed growth and guaranteed income. 1193 01:02:47.679 --> 01:02:49.480 I want to know your reasoning, and I want to 1194 01:02:49.480 --> 01:02:51.719 tell you what I'm thinking upfront, because I don't want to. 1195 01:02:51.920 --> 01:02:53.599 I know, I don't believe in submarine people. 1196 01:02:53.639 --> 01:02:57.320 I love you, guys, I really do, but I believe 1197 01:02:57.400 --> 01:03:01.360 many people are placed in annuities by companies that they 1198 01:03:01.440 --> 01:03:04.199 shouldn't be in because they're young enough that I believe 1199 01:03:04.239 --> 01:03:06.519 they could make they could grow their nest egg and 1200 01:03:06.599 --> 01:03:10.159 they're limited in returns by annuities to a certain extent. 1201 01:03:10.199 --> 01:03:12.559 Now I'm not saying that there's not a place for annuities. 1202 01:03:12.679 --> 01:03:16.679 I have one, Jordan, and you guys were very brilliant 1203 01:03:16.760 --> 01:03:18.840 on analyzing everything I brought to you. 1204 01:03:19.039 --> 01:03:21.800 Now here's what I want to ask you. When do 1205 01:03:21.840 --> 01:03:23.760 you decide someone is right for an annuity? 1206 01:03:25.039 --> 01:03:27.360 Yeah, I would say, you know, really, we kind of 1207 01:03:27.400 --> 01:03:29.559 look at a few factors. Age is a big piece, 1208 01:03:29.599 --> 01:03:32.400 because you're you're spot on with that. I think anybody 1209 01:03:32.480 --> 01:03:36.360 that's probably in their thirties, the twenties, maybe even. 1210 01:03:36.280 --> 01:03:38.800 Early forties, maybe no, you really, yeah, you. 1211 01:03:38.840 --> 01:03:40.639 Know, that's kind of where that cut off white starts 1212 01:03:40.679 --> 01:03:43.960 to give, because you know, if they have a place 1213 01:03:44.039 --> 01:03:47.039 to be able to earn you know, obviously higher returns 1214 01:03:47.360 --> 01:03:49.519 and are not worried about the risk of the time, 1215 01:03:49.760 --> 01:03:52.000 well then of course you know they can take advantage 1216 01:03:52.000 --> 01:03:54.159 of the forward k's broker's. 1217 01:03:53.800 --> 01:03:54.679 Accounts, that kind of thing. 1218 01:03:54.880 --> 01:03:56.280 But we kind of see that for a lot of 1219 01:03:56.280 --> 01:03:59.480 people who leave those accounts behind from old employers, they 1220 01:03:59.519 --> 01:04:01.719 don't even do anything with them, and we try to 1221 01:04:01.800 --> 01:04:04.400 make sure that you just get back to controlling them 1222 01:04:04.639 --> 01:04:08.360 and getting guarantees and bonuses and of course, as Marc 1223 01:04:08.400 --> 01:04:10.199 has mentioned, our long term care benefits. That a is 1224 01:04:10.239 --> 01:04:11.440 a huge one in today's world. 1225 01:04:12.840 --> 01:04:13.079 It is. 1226 01:04:13.360 --> 01:04:16.800 It is absolutely now as people get older and they 1227 01:04:16.880 --> 01:04:21.800 want that security, they don't mind risking some of the 1228 01:04:21.920 --> 01:04:27.199 higher returns if they get guaranteed safety, right, correct. 1229 01:04:26.920 --> 01:04:29.440 And we're still talking about double digit returns. 1230 01:04:29.760 --> 01:04:31.960 You know, it's just a matter if it follows indexes, 1231 01:04:32.679 --> 01:04:35.039 golds and teach five hundred dow Jones all of that. 1232 01:04:35.239 --> 01:04:37.800 But to your point, you're not buying individual stocks, so 1233 01:04:37.880 --> 01:04:40.840 it gives the growth with the floor, so you don't 1234 01:04:40.880 --> 01:04:42.920 have to drop through when the market drops, but you 1235 01:04:43.119 --> 01:04:45.639 lock in your earnings each year so you never have 1236 01:04:45.719 --> 01:04:46.960 to go backwards going forward. 1237 01:04:47.400 --> 01:04:49.119 I want to ask you something real quick here, bro 1238 01:04:51.519 --> 01:04:55.280 on an annuity. What pick one of your best annuities 1239 01:04:55.639 --> 01:04:59.119 and a true performance. What has it been returning let's 1240 01:04:59.119 --> 01:05:00.800 say an average over the the last three years. 1241 01:05:02.559 --> 01:05:06.119 Yeah, well, see that's the one thing with indextinuities. It's 1242 01:05:06.159 --> 01:05:09.519 gonna be based on everybody's anniversary date. You know, you 1243 01:05:09.599 --> 01:05:12.199 have some phenomenal ones that people who came back with Well. 1244 01:05:12.400 --> 01:05:15.320 I understand, I understand, But if you pick one or two. 1245 01:05:15.440 --> 01:05:19.360 If you pick one and you can show certainly performance data. 1246 01:05:19.599 --> 01:05:22.639 I'd like to explore some of that. Just listen, we're 1247 01:05:22.719 --> 01:05:25.679 not taying people, you know. In fact, annuities are one 1248 01:05:25.679 --> 01:05:29.559 of the few things you can quote like that because securities. 1249 01:05:29.880 --> 01:05:32.639 People look askance at people doing it with stocks and 1250 01:05:32.679 --> 01:05:36.719 stuff because nothing is an indication. But with a fixed 1251 01:05:36.800 --> 01:05:39.719 in deestinuity, it's not a security and you can quote 1252 01:05:39.760 --> 01:05:41.639 what it's been doing. Hold on, I'll come back to. 1253 01:05:41.679 --> 01:05:42.400 That right after this. 1254 01:05:46.760 --> 01:05:50.000 Go with a sure thing Denver's Best roofer Excel Roofing 1255 01:05:50.079 --> 01:05:52.719 dot com. You don't pay a cent until you're content. 1256 01:05:56.119 --> 01:05:59.239 Time for an insurance check up free, no obligation. In comparison, 1257 01:05:59.400 --> 01:06:02.559 call come this insurance paying too much your coverage at 1258 01:06:02.639 --> 01:06:05.360 dozens of insurance companies find out now three oh three 1259 01:06:05.519 --> 01:06:08.079 seven seven to one help. You'll think you're his only 1260 01:06:08.199 --> 01:06:10.599 customer when you choose Frank Durand the real estate Man 1261 01:06:10.719 --> 01:06:14.119 dot com to list your home with Remax Alliance three 1262 01:06:14.159 --> 01:06:24.000 oh three nine two zero sixteen twenty two. Hi Tom 1263 01:06:24.079 --> 01:06:27.039 Martino here, Welcome to the show. Three oh three seven 1264 01:06:27.119 --> 01:06:30.679 one three talk seven one three eight two five. So 1265 01:06:30.840 --> 01:06:33.960 Jordan Ciano, just real quickly here and Michael, I'm going 1266 01:06:34.000 --> 01:06:36.239 to get to you, I promise you and any other 1267 01:06:36.320 --> 01:06:38.320 caller at three o three seven to one three talker 1268 01:06:38.400 --> 01:06:41.039 three oh three Martino three oh three six two seventy 1269 01:06:41.079 --> 01:06:47.519 four sixty six. Jordan. So you also have overfunding life insurance. 1270 01:06:47.599 --> 01:06:51.559 Become the banker. Explain that then, because certainly that's good 1271 01:06:51.599 --> 01:06:54.840 for almost anyone, don't you think absolutely. 1272 01:06:54.960 --> 01:06:56.840 I mean, that is our bread and butter. As you 1273 01:06:56.840 --> 01:06:59.320 we'd like to say, you're building tax free money away 1274 01:06:59.360 --> 01:07:01.840 from the banks and really just kind of getting away 1275 01:07:01.840 --> 01:07:04.360 as money away from the government from taxation as best 1276 01:07:04.360 --> 01:07:05.760 as you can. And that's what we do with to 1277 01:07:05.880 --> 01:07:06.440 become the baker. 1278 01:07:06.760 --> 01:07:09.719 Explain how that works. Explain Explain how that works. The 1279 01:07:09.800 --> 01:07:14.079 goal is not really life insurance, but that's like frosting correct. 1280 01:07:14.159 --> 01:07:16.079 Yeah, you know, it's it's kind of a unique way 1281 01:07:16.159 --> 01:07:18.960 of looking at whole life. But it's a very specialize. 1282 01:07:18.960 --> 01:07:21.159 There's only about five life insurance companies that offer these 1283 01:07:21.199 --> 01:07:23.760 type of banking policies. We work with all five, and 1284 01:07:24.280 --> 01:07:27.000 really it's just about overfunding. You put money into it. 1285 01:07:27.360 --> 01:07:30.559 You're building it almost like a like a tax repity bank, 1286 01:07:30.559 --> 01:07:30.960 if you will. 1287 01:07:31.239 --> 01:07:32.400 And as the people say. 1288 01:07:32.559 --> 01:07:35.599 People say, why would I overfund something? Why would I 1289 01:07:35.679 --> 01:07:38.880 pay more than the cost of insurance? Explain that because 1290 01:07:39.199 --> 01:07:42.280 the extra cash grows tax deferred. 1291 01:07:44.440 --> 01:07:47.039 Well, it's correct tax deferment. It stays tax free in 1292 01:07:47.079 --> 01:07:48.280 the policy you can use it. 1293 01:07:48.320 --> 01:07:50.119 Well, it stays tax free if they do what you 1294 01:07:50.239 --> 01:07:50.800 guys say. 1295 01:07:51.440 --> 01:07:53.400 And we're going to go over what you guys say, 1296 01:07:53.559 --> 01:07:56.639 because that's where it stays tax So you can say 1297 01:07:56.760 --> 01:07:59.920 tax free for a nest egg. Talking about nest Egg, 1298 01:08:00.000 --> 01:08:01.639 if you don't have a lot of money to invest, 1299 01:08:02.039 --> 01:08:04.280 it's one of the best products you can offer. Hang on, 1300 01:08:04.400 --> 01:08:06.559 we'll talk about that and more. Coming back with the 1301 01:08:06.599 --> 01:08:09.639 deputies and Major, Mark Major and the gang. Right after this, 1302 01:08:12.960 --> 01:08:16.199 go with a sure thing Denver's best roofer Excel Roofing 1303 01:08:16.319 --> 01:08:16.760 dot com. 1304 01:08:16.920 --> 01:08:18.960 You don't pay a cent until you're content. 1305 01:08:20.560 --> 01:08:24.800 Please time for an insurance check up free no obligation 1306 01:08:24.920 --> 01:08:28.800 comparison call Compass Insurance paying too much your coverage at 1307 01:08:28.840 --> 01:08:31.560 dozens of insurance companies find out now three O three, 1308 01:08:31.720 --> 01:08:33.840 seven to seven to one help. You'll think you're his 1309 01:08:34.039 --> 01:08:36.600 only customer When you choose Frank durand the real estate 1310 01:08:36.720 --> 01:08:39.920 Man dot com to list your home with Remax Alliance 1311 01:08:40.199 --> 01:08:42.640 three oh three nine two zero sixteen twenty two. 1312 01:08:47.760 --> 01:08:48.399 Ripped. 1313 01:08:50.039 --> 01:08:57.159 You need so you don't have run anxiousness fast as 1314 01:08:57.199 --> 01:09:01.279 we can shoot, It's gonna come. 1315 01:09:02.439 --> 01:09:04.600 Dix. He is the Troubleshooter Show. 1316 01:09:05.239 --> 01:09:11.079 No Tom Martino, Hello Tom Martino here, and I invite 1317 01:09:11.079 --> 01:09:12.359 you to call in. For the first time. 1318 01:09:12.399 --> 01:09:15.399 We have full open lines at three oh three seven 1319 01:09:15.960 --> 01:09:18.119 one three talk three oh three seven one three eight 1320 01:09:18.199 --> 01:09:21.520 two five five, fighting for you, solving problems, answering questions, 1321 01:09:21.560 --> 01:09:24.319 taking plays. Major Mark Majors on with me along with 1322 01:09:24.399 --> 01:09:26.319 Deputy d Over here to my side of your streaming. 1323 01:09:26.399 --> 01:09:30.479 Deputy Bows at the studio and Kachina Glory on the phones. 1324 01:09:30.880 --> 01:09:35.840 And uh Dragon, we get the B team after Shannon leaves. Actually, 1325 01:09:35.880 --> 01:09:38.920 I'm just kidding. He's he I have an A plus. 1326 01:09:39.199 --> 01:09:40.720 I'll let you figure out which one switch. 1327 01:09:41.119 --> 01:09:45.039 So, Deputy d Uh we had a woman call earlier 1328 01:09:45.119 --> 01:09:48.680 and it was distressing, but let's just talk about it. 1329 01:09:49.000 --> 01:09:51.920 Her son has a nineteen eighty five Dodge Ram that 1330 01:09:52.079 --> 01:09:55.560 wasn't running and the registration was expired and it was 1331 01:09:55.640 --> 01:09:59.399 towed from an apartment complex, but apparently the apartment complex 1332 01:09:59.720 --> 01:10:03.079 never called anyone to come toe it. She suspects someone 1333 01:10:03.239 --> 01:10:05.720 was there looking at a neighbor's car to bring to 1334 01:10:05.840 --> 01:10:10.119 repairs and probably noticed her car and came back and 1335 01:10:10.159 --> 01:10:14.159 got it under no authorization, no twenty four hour notice, 1336 01:10:14.520 --> 01:10:17.520 none of the legal ramifications. However, she doesn't know the 1337 01:10:17.600 --> 01:10:21.399 name of the toe company, so what she does know 1338 01:10:21.800 --> 01:10:24.560 is that it was actually towed to impound from a 1339 01:10:24.640 --> 01:10:29.680 private lot. So she suspects somebody towed it from the 1340 01:10:29.760 --> 01:10:34.000 apartment complex with no authorization to a private lot so 1341 01:10:34.119 --> 01:10:38.640 that private lot could go through the motion and legally 1342 01:10:38.720 --> 01:10:43.479 impound it or I say legally meaning as if it 1343 01:10:43.640 --> 01:10:46.840 was parked there, and she thinks it's an elaborate scam. 1344 01:10:47.479 --> 01:10:50.399 But APT Towing is the one that towed it from 1345 01:10:50.439 --> 01:10:53.800 that private lot, and whether they did it legally or not, 1346 01:10:54.199 --> 01:10:56.039 did they give the twenty four hour notice and all 1347 01:10:56.119 --> 01:10:58.600 that they would have never known because it was out 1348 01:10:58.640 --> 01:11:02.039 from their normal part working spot at the apartment complex. 1349 01:11:02.640 --> 01:11:06.159 So now what we have is a situation where it's 1350 01:11:06.199 --> 01:11:08.359 going to cause two grand to get this eighty five 1351 01:11:08.479 --> 01:11:12.840 dodge ram back what she describes as a family heirloom. 1352 01:11:13.520 --> 01:11:15.520 But the problem is. 1353 01:11:17.319 --> 01:11:17.560 Is that. 1354 01:11:19.119 --> 01:11:22.279 She was never advised, according to her that under new 1355 01:11:22.399 --> 01:11:25.600 state law, they have to offer financing provisions to take 1356 01:11:25.680 --> 01:11:28.239 it from their deputy d Thanks Tom. 1357 01:11:28.359 --> 01:11:32.079 Yeah, this story really stinks, especially the part where her 1358 01:11:32.239 --> 01:11:36.479 car was initially told by an unmarked tow truck into 1359 01:11:36.560 --> 01:11:37.479 the commercial lot. 1360 01:11:37.920 --> 01:11:40.159 After that APT took over. 1361 01:11:40.840 --> 01:11:43.680 So a few minutes ago, our caller Crystal sent me 1362 01:11:43.760 --> 01:11:46.960 the letter that she received from APT advising her of 1363 01:11:47.039 --> 01:11:50.000 the balance too. I called that number and I spoke 1364 01:11:50.039 --> 01:11:53.039 with a lady by the name of Brie, and she 1365 01:11:53.399 --> 01:11:55.920 I told her why I was forthcoming. Oh no, she 1366 01:11:56.039 --> 01:11:56.880 hung up on me twice. 1367 01:11:57.239 --> 01:12:00.479 Okay, and that tells you something right off the bat. 1368 01:12:00.640 --> 01:12:01.239 It stinks. 1369 01:12:01.439 --> 01:12:04.439 Yeah, this is something is something is going on. In 1370 01:12:04.520 --> 01:12:07.720 my opinion, something very dirty is going on. So Brie 1371 01:12:08.199 --> 01:12:10.000 hung up on me after I told her why I 1372 01:12:10.119 --> 01:12:12.720 was calling. I called back again. I told her that 1373 01:12:12.760 --> 01:12:15.159 I'd like to speak with her or if she doesn't 1374 01:12:15.199 --> 01:12:17.640 want to provide any comment on this matter, then I'd 1375 01:12:17.720 --> 01:12:18.840 like to speak with Karen A. 1376 01:12:19.079 --> 01:12:20.840 Fisher. She's the Karen A. 1377 01:12:20.960 --> 01:12:23.600 Fisher is the lady who's been filing all of the 1378 01:12:23.680 --> 01:12:26.199 documents with the color of Secretary of State's Office on 1379 01:12:26.319 --> 01:12:27.800 behalf of APT service. 1380 01:12:28.520 --> 01:12:30.840 So as soon as I talked, as soon as I. 1381 01:12:31.239 --> 01:12:34.079 As soon as I mentioned Karen Fisher's name, the lady 1382 01:12:34.119 --> 01:12:37.000 who claims to be Bri said, I don't care if 1383 01:12:37.039 --> 01:12:39.800 you call the PUC and hung up on me again. 1384 01:12:40.680 --> 01:12:44.760 So at this point, I'm going to contact the PUC 1385 01:12:45.600 --> 01:12:49.359 and get there, get there, get their suggestion. So she 1386 01:12:50.039 --> 01:12:53.600 she was that obstinate, Oh no, she was. Yeah, she 1387 01:12:53.760 --> 01:12:57.239 was the most unpleasant person I've spoke to in in 1388 01:12:57.359 --> 01:12:59.840 my course of work over here since Wow helping you 1389 01:13:00.800 --> 01:13:04.279 just a really rough, unpleasant, nasty, nasty lady. 1390 01:13:04.680 --> 01:13:06.319 But I won't hold that against her. 1391 01:13:06.680 --> 01:13:09.319 All we're trying to do is make sure that Crystal 1392 01:13:09.600 --> 01:13:12.600 is able to get her vehicle back under terms in 1393 01:13:12.640 --> 01:13:16.000 accordance with the state law. Now, Crystal did bring that 1394 01:13:16.239 --> 01:13:20.359 up to APT Towing when she first called them, and 1395 01:13:20.680 --> 01:13:24.000 they wouldn't let According to Crystal, they said the entire 1396 01:13:24.119 --> 01:13:24.880 balance is due. 1397 01:13:25.159 --> 01:13:27.319 It's due now, And it sounds like. 1398 01:13:27.359 --> 01:13:30.039 They also either told her or at least implied that, oh, 1399 01:13:30.119 --> 01:13:32.079 it's too late now and we're going to sell the vehicle. 1400 01:13:32.520 --> 01:13:35.000 So that's one of the clarifications that I sought to 1401 01:13:35.119 --> 01:13:38.000 get from APT Towing, but it was unable to because 1402 01:13:38.000 --> 01:13:41.039 they just keep hanging up. So Crystal is calling the 1403 01:13:41.239 --> 01:13:44.039 PUC right now as we speak, And then as soon 1404 01:13:44.119 --> 01:13:46.920 as I complete this update, I too, am going to 1405 01:13:47.000 --> 01:13:49.800 call the PC and get their perspective on what to 1406 01:13:49.920 --> 01:13:52.119 do next, because I can tell you one thing. The 1407 01:13:52.239 --> 01:13:54.840 car is just days away from being sold at auction. 1408 01:13:54.920 --> 01:13:58.199 And these are they're being jerks. They really are being jerks. 1409 01:13:58.239 --> 01:14:00.960 Oh with a capital J, Tom, that is too bad. 1410 01:14:01.560 --> 01:14:03.680 And you know, and if you're not doing something dirty, 1411 01:14:04.039 --> 01:14:09.319 something underhanded, something sneaky, why not talk to somebody about it. 1412 01:14:09.399 --> 01:14:11.640 Why not explain your position and tell us what the 1413 01:14:11.720 --> 01:14:13.039 consumer can do to get their car. 1414 01:14:13.319 --> 01:14:15.800 Man, that sucks. What's the name of that company? APT 1415 01:14:16.159 --> 01:14:18.760 Service Inc? What's their phone number? I don't give. I 1416 01:14:19.159 --> 01:14:21.039 give the number I call. People should know about them. 1417 01:14:21.079 --> 01:14:23.840 The number I called just in case somebody is accidentally 1418 01:14:23.880 --> 01:14:26.159 about to call them to to order a toe or something. 1419 01:14:26.520 --> 01:14:37.760 It's three zero three four five five one two six four. Man, Yeah, 1420 01:14:38.159 --> 01:14:41.039 so I called three oh three four five five one 1421 01:14:41.119 --> 01:14:41.720 two six. 1422 01:14:41.760 --> 01:14:46.319 Four, and man Bree was nasty to me. That sucks. 1423 01:14:46.720 --> 01:14:50.520 It sucks with a capitalists all right, Well, thank you 1424 01:14:50.680 --> 01:14:54.560 people for helping us out when it comes to this 1425 01:14:54.800 --> 01:14:58.680 kind of stuff, because they need to know that they're jerks. 1426 01:15:00.119 --> 01:15:03.560 They didn't do anything right, and they know that we know. 1427 01:15:04.359 --> 01:15:08.119 And did you ask about her charge allowing financing for this? 1428 01:15:08.520 --> 01:15:08.680 Oh? 1429 01:15:09.399 --> 01:15:12.159 As soon as I didn't even get a chance to, 1430 01:15:12.720 --> 01:15:14.880 I told her the reason I was calling and what 1431 01:15:15.039 --> 01:15:17.760 my questions are. And by the way, I didn't call 1432 01:15:17.840 --> 01:15:19.600 to point my finger at them or accuse them of 1433 01:15:19.640 --> 01:15:22.600 any wrongdoing because at that point I still don't know 1434 01:15:22.720 --> 01:15:25.119 what they did wrong. If anything, I still don't know 1435 01:15:25.239 --> 01:15:27.479 what connection they have with you on marked tow truck 1436 01:15:27.760 --> 01:15:32.399 that sneaked the view podential lot into a private business lot. 1437 01:15:32.840 --> 01:15:35.000 I was going to discuss all of that. I didn't 1438 01:15:35.000 --> 01:15:37.199 get a chance. I didn't get a chance to ask 1439 01:15:37.279 --> 01:15:40.199 any of those questions because APT Towing hung up on 1440 01:15:40.279 --> 01:15:40.680 me twice. 1441 01:15:42.239 --> 01:15:44.760 All right, people give the number out again, Sorry, just 1442 01:15:44.880 --> 01:15:45.319 give it out. 1443 01:15:45.359 --> 01:15:48.720 But the number I called was three zero three four 1444 01:15:48.840 --> 01:15:52.600 or five five one two six four. 1445 01:15:53.800 --> 01:15:55.680 Tell him that Martino told you to call. 1446 01:15:56.319 --> 01:15:58.760 Don't be a jerk about it, just you know, tell them, hey, 1447 01:15:59.399 --> 01:16:03.439 you know this whole thing has uh is has stink 1448 01:16:03.479 --> 01:16:06.600 all over it. You can put it that way, stink 1449 01:16:06.680 --> 01:16:10.239 all over it. Yeah, and that you're gonna let people know. 1450 01:16:10.520 --> 01:16:15.359 And she doesn't care. We Uh, she doesn't care if 1451 01:16:15.439 --> 01:16:18.079 we go to the public utilities. 1452 01:16:18.399 --> 01:16:23.760 No, go ahead, call the PUC. Go ahead and click. Well, 1453 01:16:23.920 --> 01:16:26.079 you know what we're going to call the POP. That's 1454 01:16:26.119 --> 01:16:26.920 my next phone call. 1455 01:16:27.439 --> 01:16:29.880 All right, three oh three seven one three talk seven 1456 01:16:29.920 --> 01:16:35.840 one three eight two five five Okay. On consumer news, Oh, Jordan, First, Jordan, 1457 01:16:36.800 --> 01:16:41.000 somebody wrote to me saying they have an annuity. They 1458 01:16:41.079 --> 01:16:44.560 had it when they were younger. They want to participate 1459 01:16:44.640 --> 01:16:48.399 in the stock market. They want to cash in the annuity. 1460 01:16:48.920 --> 01:16:51.159 They didn't get it from you. They're just they just 1461 01:16:51.239 --> 01:16:54.359 felt it was inappropriate at the time. And they're now 1462 01:16:54.960 --> 01:16:59.479 forty five. They're forty five. Their past what's called the 1463 01:16:59.520 --> 01:17:04.720 surrender period. But explain surrender periods, and explain how that 1464 01:17:04.880 --> 01:17:07.399 person goes about and gets money and how much of 1465 01:17:07.479 --> 01:17:08.680 that money will they get back. 1466 01:17:10.079 --> 01:17:10.279 Yeah. 1467 01:17:10.399 --> 01:17:14.000 So the thing is having floors and bonuses, just like 1468 01:17:14.079 --> 01:17:16.279 anything else. You know, a broker's account, you don't have 1469 01:17:16.600 --> 01:17:18.680 you can lose all the money right with this, They 1470 01:17:18.760 --> 01:17:20.399 have that floor and they give you a fifteen percent 1471 01:17:20.520 --> 01:17:24.479 bonus up front. So they have what's called surrender periods, 1472 01:17:24.640 --> 01:17:25.520 as you mentioned. 1473 01:17:25.359 --> 01:17:28.760 Some companies before that, before that money becomes yours right. 1474 01:17:30.600 --> 01:17:33.039 Before the full account. If you wanted to cash out now, 1475 01:17:33.079 --> 01:17:35.079 if you end up turning the income on it any year, 1476 01:17:35.159 --> 01:17:37.600 you can do that. If you decide to take some 1477 01:17:37.760 --> 01:17:40.479 withdrawal out, you can take up to ten percent with that, you. 1478 01:17:40.479 --> 01:17:42.840 Can take up to you can take without penalty up 1479 01:17:42.880 --> 01:17:43.520 to ten percent. 1480 01:17:43.640 --> 01:17:44.399 Is that right, Jordan? 1481 01:17:45.239 --> 01:17:47.760 That is correct. And again and if you need income 1482 01:17:47.800 --> 01:17:49.560 and you're ready to turn that switch on, you don't 1483 01:17:49.640 --> 01:17:52.680 have to wait the full surrender period. It's only if 1484 01:17:52.760 --> 01:17:56.399 companies are offering bonuses and offering benefits. They don't want 1485 01:17:56.399 --> 01:17:58.159 you to hop around from company to company and pack 1486 01:17:58.239 --> 01:18:00.359 up bonuses, of course, because that'd be a great way 1487 01:18:00.399 --> 01:18:01.560 to make a lot of money, right. 1488 01:18:03.520 --> 01:18:06.960 Yeah, So now, yeah, of course, So tell us then 1489 01:18:07.640 --> 01:18:09.560 what the surrender period usually looks like. 1490 01:18:10.880 --> 01:18:12.920 Yeah, so, well, like I mentioned, it's about seven years, 1491 01:18:13.119 --> 01:18:15.720 there's ten years, and then there's some companies that we 1492 01:18:15.800 --> 01:18:17.920 don't really like to use it and deal with. But 1493 01:18:18.000 --> 01:18:19.880 there's some bad ones we found out there from clients 1494 01:18:19.920 --> 01:18:22.640 that have fourteen years or twenty years even and those 1495 01:18:22.680 --> 01:18:25.159 are the ones that unfortunately you hear a lot about 1496 01:18:25.399 --> 01:18:28.079 that give these twenty five percent bonuses, they're thirty percent 1497 01:18:28.159 --> 01:18:30.640 that they lock these clients in for the entirety of 1498 01:18:30.680 --> 01:18:32.960 their life not able to get that money out. So 1499 01:18:33.319 --> 01:18:35.960 we really focus only on these when it makes sense 1500 01:18:36.119 --> 01:18:39.880 for somebody younger. Personal text in you can get these 1501 01:18:40.279 --> 01:18:44.840 fixed index ainuities without surrender windows because a lot of 1502 01:18:44.920 --> 01:18:47.560 times it has to do with the income writer or 1503 01:18:47.640 --> 01:18:50.399 that guaranteed income that we offer for all of our clients. 1504 01:18:50.760 --> 01:18:52.399 So that's something that we talk on one on them 1505 01:18:52.439 --> 01:18:54.960 with everybody. It just depends on their age, where they're 1506 01:18:54.960 --> 01:18:56.720 at in life, and when they're ready to take money. 1507 01:18:59.279 --> 01:19:03.439 All right, what's going on, Daryl, Welcome to the show, bro, 1508 01:19:04.920 --> 01:19:05.239 Thank you. 1509 01:19:05.439 --> 01:19:08.920 I was calling my mother in law, who currently resides 1510 01:19:08.960 --> 01:19:13.319 in Mexico, is looking for a real estate attorney and 1511 01:19:13.600 --> 01:19:18.840 somebody to handle her estate as well that is familiar 1512 01:19:18.920 --> 01:19:22.640 with law in Mexico and the US. She has holdings in. 1513 01:19:23.159 --> 01:19:25.880 Now, why both places? Does she own stuff here? 1514 01:19:28.439 --> 01:19:28.840 I don't. 1515 01:19:29.000 --> 01:19:31.560 She doesn't own any property in the States currently, she 1516 01:19:31.720 --> 01:19:36.039 has multiple accounts in the States. She does own property 1517 01:19:36.079 --> 01:19:36.640 in Mexico. 1518 01:19:39.119 --> 01:19:41.920 She might be overthinking this. How much property does she 1519 01:19:42.000 --> 01:19:42.760 own in Mexico? 1520 01:19:44.319 --> 01:19:45.720 It's just her home, it's. 1521 01:19:48.000 --> 01:19:48.880 And is it paid for? 1522 01:19:50.640 --> 01:19:50.920 It is? 1523 01:19:51.079 --> 01:19:51.279 Yes? 1524 01:19:53.000 --> 01:19:53.640 How much does it. 1525 01:19:53.720 --> 01:19:57.760 Worth around five hundred thousand. 1526 01:19:59.079 --> 01:20:02.039 Okay, what she and it's paid for? And then how 1527 01:20:02.119 --> 01:20:05.920 much money in the state's total on bank accounts. 1528 01:20:06.359 --> 01:20:09.399 She probably has a couple of millions. 1529 01:20:11.800 --> 01:20:21.840 Okay, And she is she is she married? Single? 1530 01:20:21.920 --> 01:20:25.439 Or what she was married? Her husband passed. 1531 01:20:26.760 --> 01:20:29.760 So she's single, a couple million bucks, a house paid 1532 01:20:29.800 --> 01:20:32.640 for in Mexico, and she's looking for a state planning 1533 01:20:32.840 --> 01:20:34.840 right correct? 1534 01:20:36.720 --> 01:20:37.039 Okay? 1535 01:20:37.479 --> 01:20:39.359 Does she have a boyfriend which she liked to meet, 1536 01:20:39.399 --> 01:20:43.079 a nice elderly American man who's pretty good shape. 1537 01:20:43.960 --> 01:20:48.359 Just kidding, all. 1538 01:20:48.319 --> 01:20:51.520 Right, So listen, man, I'm going to get one of 1539 01:20:51.520 --> 01:20:52.680 our state planning attorneys on. 1540 01:20:52.760 --> 01:20:53.800 I think you're overthinking it. 1541 01:20:53.840 --> 01:20:56.920 Though, because here's if this was my mother. 1542 01:20:56.840 --> 01:20:59.760 In law calling me. If this was my mother in 1543 01:20:59.840 --> 01:21:05.359 law calling me, this is what I would do. I want. 1544 01:21:05.760 --> 01:21:08.680 This is exactly what I view. I would take all 1545 01:21:08.760 --> 01:21:12.319 of the bank accounts in America. Now does she First 1546 01:21:12.319 --> 01:21:14.520 of all, I have to ask does she have multiple. 1547 01:21:14.159 --> 01:21:15.560 Heirs or one main heir? 1548 01:21:17.479 --> 01:21:18.560 She has two children? 1549 01:21:20.279 --> 01:21:23.239 Okay, that's easy. And does she plan on doing everything 1550 01:21:23.319 --> 01:21:24.039 fifty to fifty? 1551 01:21:26.199 --> 01:21:31.239 Well, I guess her her husband's children are also there 1552 01:21:31.319 --> 01:21:32.039 too there as. 1553 01:21:32.000 --> 01:21:38.279 Well, well, her husband's children. Okay, but he died and 1554 01:21:38.399 --> 01:21:40.760 everything went to the wife. Was there any will or 1555 01:21:40.800 --> 01:21:42.640 any provision for those kids? 1556 01:21:44.199 --> 01:21:46.119 I don't know that there was, but I think that 1557 01:21:46.239 --> 01:21:49.119 she wants to make sure she does right by them 1558 01:21:49.159 --> 01:21:49.520 as well. 1559 01:21:53.600 --> 01:21:56.239 Okay, So how many heirs all together? 1560 01:21:58.600 --> 01:22:02.039 If you're going so her two children and her husband's 1561 01:22:02.079 --> 01:22:05.159 two children, and are they all going to get an 1562 01:22:05.159 --> 01:22:10.520 equal amount? I couldn't say that with any certainty. I 1563 01:22:10.800 --> 01:22:14.039 think that's her intention, but I it probably will not 1564 01:22:14.159 --> 01:22:14.600 go that way. 1565 01:22:14.920 --> 01:22:16.800 Do the do the kids all? Do the kids all 1566 01:22:16.880 --> 01:22:17.359 know each other? 1567 01:22:19.479 --> 01:22:20.720 Everybody does know each other? 1568 01:22:20.840 --> 01:22:21.039 Yes? 1569 01:22:22.319 --> 01:22:23.800 And is everyone friendly. 1570 01:22:25.560 --> 01:22:25.920 Friendly? 1571 01:22:26.079 --> 01:22:30.119 Yes? Would everyone accept a quarter of the estate. 1572 01:22:33.119 --> 01:22:33.680 Potentially? 1573 01:22:36.720 --> 01:22:39.520 Okay, Now, I'm not going to give you legal advice, 1574 01:22:39.560 --> 01:22:41.279 but I'm going to tell you exactly what I would 1575 01:22:41.319 --> 01:22:42.279 do for my mother in law. 1576 01:22:44.399 --> 01:22:46.239 I would make the four heirs. 1577 01:22:47.039 --> 01:22:49.079 Sign a part Now, now you're gonna also talk to 1578 01:22:49.119 --> 01:22:52.760 an attorney behind the scenes, Kachina colorI. 1579 01:22:53.359 --> 01:22:57.479 Is trying to get Dan mackenzie on I think. So 1580 01:22:57.680 --> 01:22:58.560 here's what we're going to do. 1581 01:22:59.319 --> 01:23:03.000 I would have the four airs sign a partnership agreement 1582 01:23:03.800 --> 01:23:11.560 agreeing to take twenty five percent of whatever she leaves behind. Okay, 1583 01:23:12.439 --> 01:23:14.960 and that they would not fight each other, and they 1584 01:23:15.000 --> 01:23:18.399 would not fight each other for a dime more twenty 1585 01:23:18.520 --> 01:23:21.640 five percent of net proceeds, meaning if they have to 1586 01:23:21.680 --> 01:23:24.520 pay an income tax because of deferred earnings or whatever. 1587 01:23:24.880 --> 01:23:27.000 Normally there's no estate tax. Okay, you don't have to 1588 01:23:27.000 --> 01:23:29.960 worry about that, But I'm talking about other kinds of 1589 01:23:30.479 --> 01:23:34.399 payments and expenses. Maybe an attorney. So they do an 1590 01:23:34.399 --> 01:23:38.720 agreement outside of the estate saying, if we are what, 1591 01:23:38.920 --> 01:23:42.800 we all agree that if we inherit something, it's going 1592 01:23:42.880 --> 01:23:44.159 to be twenty five percent each. 1593 01:23:45.840 --> 01:23:50.039 Okay, Okay. Now, then then. 1594 01:23:51.479 --> 01:23:54.000 They can give the name, they can give the partnership 1595 01:23:54.039 --> 01:23:55.399 a name, or it can be an LLC. 1596 01:23:57.479 --> 01:23:59.640 Then I would do. 1597 01:24:00.079 --> 01:24:10.399 In Mexico, there are equivalents to what are called beneficiary deeds. 1598 01:24:11.199 --> 01:24:12.399 So you would hire a. 1599 01:24:12.560 --> 01:24:16.359 Very simple, just a very quick thing with an attorney 1600 01:24:16.960 --> 01:24:20.279 to have a beneficiary deed made out from. 1601 01:24:20.239 --> 01:24:23.840 Her to the LLC or the partnership. It's that easy. 1602 01:24:24.520 --> 01:24:28.399 So upon her death it goes directly to the LLC 1603 01:24:29.079 --> 01:24:31.920 where they agreed to take twenty five percent each. And 1604 01:24:32.279 --> 01:24:35.000 you also agree to sell the house and blah blah blah, okay, 1605 01:24:35.760 --> 01:24:37.760 and you agree on how you're going to value. 1606 01:24:37.520 --> 01:24:39.800 The house and sell it. That's all has to be 1607 01:24:39.840 --> 01:24:40.640 done by an attorney. 1608 01:24:40.680 --> 01:24:45.039 So in other words, we agree upon death, we're going 1609 01:24:45.079 --> 01:24:47.439 to this LLC is going to get the house. We're 1610 01:24:47.520 --> 01:24:50.640 going to have it appraised, maybe three times at the 1611 01:24:50.720 --> 01:24:53.239 expense of the estate, and we're going to throw out 1612 01:24:53.239 --> 01:24:55.319 the upper and lower bid and take the middle whatever 1613 01:24:56.159 --> 01:24:58.760 or estimate or appraisal however they want to do it. 1614 01:24:59.279 --> 01:25:03.640 And then they sell it and after expenses split the proceeds. Now, 1615 01:25:04.399 --> 01:25:07.439 so now you have a beneficiaries deed going. 1616 01:25:07.279 --> 01:25:08.000 To the LLC. 1617 01:25:08.880 --> 01:25:11.640 Then in America you do the same thing with each account. 1618 01:25:11.680 --> 01:25:12.760 How many accounts does she have? 1619 01:25:14.880 --> 01:25:17.520 I don't know for sure. She has a couple in 1620 01:25:17.600 --> 01:25:20.840 Costa Rica, yes, and she has several in the States. 1621 01:25:23.359 --> 01:25:28.880 Costa Rica, compl Costa Rica, and Mexico. Again, it complicates 1622 01:25:28.960 --> 01:25:34.119 things because those countries may not have payable on death certificates. 1623 01:25:35.039 --> 01:25:37.800 But if she only had American bank accounts, you have 1624 01:25:37.960 --> 01:25:42.199 the house in Mexico taken care of with the LLC. Now, 1625 01:25:42.239 --> 01:25:45.399 what you want to do is payable on death certificates 1626 01:25:45.479 --> 01:25:48.279 with the accounts, and if there are only a few accounts, 1627 01:25:48.520 --> 01:25:49.000 five or. 1628 01:25:49.039 --> 01:25:51.479 Ten, you can do payable on death certificates. 1629 01:25:51.520 --> 01:25:55.199 So here's what happens on death. It doesn't even need 1630 01:25:55.239 --> 01:25:59.399 a probate. Everything is passed directly to the heirs, the 1631 01:25:59.479 --> 01:26:02.920 payable on death certificates, and the beneficiary deed goes to 1632 01:26:03.000 --> 01:26:05.880 the LLC, and they've already agreed to split it up. 1633 01:26:06.720 --> 01:26:11.520 I mean, it's really ultimately simple. Not all attorneys will 1634 01:26:11.560 --> 01:26:14.119 agree to it because they want to charge you more. 1635 01:26:15.479 --> 01:26:18.640 But I've told you what I would do, and you 1636 01:26:18.800 --> 01:26:22.159 try to find an attorney who would facilitate it unless 1637 01:26:22.199 --> 01:26:23.600 there's a legal reason not to. 1638 01:26:24.880 --> 01:26:26.640 There might be rules I don't know about. 1639 01:26:26.720 --> 01:26:30.680 For example, maybe the maybe the beneficiary deed in Mexico 1640 01:26:31.119 --> 01:26:32.640 won't allow for a transfer. 1641 01:26:33.560 --> 01:26:37.039 Maybe I don't know. But that's what I would do, 1642 01:26:39.239 --> 01:26:43.560 and we're going to get in it should be. 1643 01:26:43.640 --> 01:26:45.319 We're going to get an attorney on those. So hang 1644 01:26:45.399 --> 01:26:48.319 on three oh three seven one three A two five five. 1645 01:26:48.720 --> 01:26:53.760 Hey waterpros dot net. If you want drinking water free 1646 01:26:53.800 --> 01:26:58.119 of PFA's chemicals and free of chlorine, free of any 1647 01:26:58.239 --> 01:27:02.439 nasty pharmaceuticals, it's only eleven hundred bucks at your kitchen sink. 1648 01:27:02.520 --> 01:27:05.720 I have them in both houses. I wouldn't live without them. 1649 01:27:06.319 --> 01:27:08.800 Bestwaterpros dot Net three O three A six y two 1650 01:27:09.399 --> 01:27:17.920 five five five four eleven hundred bucks. Go with a 1651 01:27:18.039 --> 01:27:21.520 sure thing Denver's best roofer Excel Roofing dot Com. You 1652 01:27:21.600 --> 01:27:27.359 don't pay a cent until you're content. Time for an 1653 01:27:27.399 --> 01:27:31.600 insurance check up free, no obligation comparison call Compass Insurance 1654 01:27:31.760 --> 01:27:34.760 Paying too much your coverage at dozens of insurance companies 1655 01:27:34.880 --> 01:27:36.880 find out now three oh three seven to seven to 1656 01:27:36.920 --> 01:27:39.680 one help. You'll think you're his only customer when you 1657 01:27:39.800 --> 01:27:42.199 choose Frank durand the real estate Man dot com to 1658 01:27:42.319 --> 01:27:45.479 list your home with Remax Alliance three oh three nine 1659 01:27:45.560 --> 01:27:55.319 two zero sixteen twenty two. Hey, I'm Tom Martino, your 1660 01:27:55.439 --> 01:27:59.359 troubleshooter eight eight eight. Heating dot Com does the deep 1661 01:27:59.399 --> 01:28:03.560 clean for four five bucks in high efficiency replacements that 1662 01:28:03.920 --> 01:28:05.279 they guarantee. 1663 01:28:04.800 --> 01:28:06.960 The lowest price. You got to put them to the test. 1664 01:28:07.039 --> 01:28:07.800 I know these guys. 1665 01:28:08.239 --> 01:28:10.600 Three h three seven seven zero two seven seven six 1666 01:28:10.680 --> 01:28:13.800 eighty eight Heating dot Com. Okay, So Daryl has a 1667 01:28:13.920 --> 01:28:17.159 question about a multi country estate and we're getting Dan 1668 01:28:17.239 --> 01:28:20.239 on after one. So Daryl, we're gonna call you back. Okay, Bro, 1669 01:28:21.199 --> 01:28:22.840 that's the way it's going to have to work right now. 1670 01:28:24.319 --> 01:28:25.920 But we will get you on because even though I 1671 01:28:26.000 --> 01:28:28.159 gave you some do it yourself suggestions that I would do, 1672 01:28:28.560 --> 01:28:30.399 I still want to run a buyer our to our 1673 01:28:30.520 --> 01:28:31.560 state planning attorney. 1674 01:28:32.359 --> 01:28:35.560 So we have Deputy d has some follow ups. Now, 1675 01:28:35.600 --> 01:28:38.279 the last follow up he did. Remember it's about. 1676 01:28:38.199 --> 01:28:41.000 Uh that dang. 1677 01:28:42.880 --> 01:28:46.319 A nineteen eighty five dodge Ram toad okay was towed 1678 01:28:46.359 --> 01:28:50.399 from a private apartment complex and the apartment complex did 1679 01:28:50.479 --> 01:28:54.000 not request the toe. No one requested it, no one 1680 01:28:54.079 --> 01:28:57.079 offered a twenty four hour notice, no one did anything legally. 1681 01:28:57.359 --> 01:29:00.279 It was snagged and it was brought to a private lot. 1682 01:29:00.760 --> 01:29:04.600 Here's what's weird. No one knows who did that. So 1683 01:29:04.720 --> 01:29:07.960 it gets to a private lot, and then APT Towing 1684 01:29:08.359 --> 01:29:09.760 towes it from a private lot. 1685 01:29:10.239 --> 01:29:13.000 Again, we don't know if APT did it legally. 1686 01:29:13.359 --> 01:29:16.880 I mean, obviously if it was towed there and dropped, 1687 01:29:18.000 --> 01:29:20.399 it was illegal because the owner didn't do it. But 1688 01:29:20.680 --> 01:29:23.199 what I mean is did APT even attempt to do 1689 01:29:23.319 --> 01:29:26.119 what's required with a twenty four hour notice to the 1690 01:29:26.439 --> 01:29:29.279 registration holder? And then once they got it and the 1691 01:29:29.359 --> 01:29:30.920 registration holder found out. 1692 01:29:30.800 --> 01:29:32.680 About it, why. 1693 01:29:34.039 --> 01:29:37.840 Did they not offer them finance arrangements as required by law. 1694 01:29:38.159 --> 01:29:41.159 APT wouldn't answer these questions. They hung up on us twice. 1695 01:29:41.680 --> 01:29:46.520 APT cannot charge two grand and say pay it or else. 1696 01:29:46.880 --> 01:29:50.399 They have to offer a financing arrangement. That's part of 1697 01:29:50.439 --> 01:29:53.520 the new towing law. They also have to allow certain things. 1698 01:29:53.640 --> 01:29:56.720 And we don't think they're doing anything. But there's nothing 1699 01:29:56.800 --> 01:29:58.800 new on that one, right, No. 1700 01:29:58.920 --> 01:29:59.760 There's nothing new in that. 1701 01:29:59.840 --> 01:30:03.119 I did contact the PUC Press relations department. I left 1702 01:30:03.159 --> 01:30:05.000 a voicemail for the lady and I just sent her 1703 01:30:05.000 --> 01:30:07.560 an email and I told her this is really I 1704 01:30:07.720 --> 01:30:09.960 humbly asked her to call right away because this is 1705 01:30:10.000 --> 01:30:13.600 a very urgent issue. This vehicle is about to be sold. 1706 01:30:14.159 --> 01:30:17.079 But Tom, the thing is, that's not your usual run 1707 01:30:17.159 --> 01:30:20.640 of the mill used vehicle. This is a nineteen eighty 1708 01:30:20.680 --> 01:30:24.199 five Dodge Ram. It's a valuable, valuable truck. How valuable 1709 01:30:24.279 --> 01:30:25.680 between twenty and thirty thousand? 1710 01:30:25.800 --> 01:30:26.079 Come on? 1711 01:30:26.399 --> 01:30:26.600 Why? 1712 01:30:26.920 --> 01:30:27.119 Yeah? 1713 01:30:27.319 --> 01:30:29.319 Why now? Our call or Crystal did say they were 1714 01:30:29.359 --> 01:30:32.680 planning to restore it. Yeah, but it's not worth in 1715 01:30:32.800 --> 01:30:35.800 that condition? Is it worth? Is it worth that much 1716 01:30:35.880 --> 01:30:36.560 in that condition? 1717 01:30:36.760 --> 01:30:36.880 Well? 1718 01:30:37.159 --> 01:30:39.319 I don't know what condition this vehicle is and now, 1719 01:30:39.760 --> 01:30:43.119 but the point is if when it's good condition, it 1720 01:30:43.319 --> 01:30:45.880 sells for twenty to thirty thousand, then it's got a 1721 01:30:45.960 --> 01:30:47.439 half significant value right. 1722 01:30:47.399 --> 01:30:49.319 Now is a restoration project. 1723 01:30:49.760 --> 01:30:52.159 So in any case, even if it's worth fifty bucks, 1724 01:30:52.239 --> 01:30:54.720 the lady no I need deserves to get her car back. 1725 01:30:55.239 --> 01:30:57.920 So, waiting for the press relations. 1726 01:30:57.600 --> 01:31:01.479 It says you're typically on eighty five Dodge RAM one 1727 01:31:01.640 --> 01:31:07.159 fifty half ton in good condition with average specs is 1728 01:31:07.479 --> 01:31:12.119 fourteen three sixty seven. The highest price of an eighty 1729 01:31:12.199 --> 01:31:15.319 five Dodge at an auction over the last three years 1730 01:31:15.439 --> 01:31:19.760 was twenty thousand, five hundred, So that might be at 1731 01:31:20.000 --> 01:31:20.560 be you know. 1732 01:31:20.760 --> 01:31:23.760 Regular restoration, that's right. I mean that's after it's been restored. 1733 01:31:24.159 --> 01:31:27.119 No, this is before it's been restored. For these prices, Yeah, 1734 01:31:27.159 --> 01:31:32.000 these are regular. These are regular manufactured trucks, not restored. 1735 01:31:32.319 --> 01:31:32.560 Wow. 1736 01:31:32.960 --> 01:31:36.479 So twenty grand twenty at an auction twenty thousand, five hundred. 1737 01:31:36.680 --> 01:31:39.399 So I can understand why if somebody buys that at 1738 01:31:39.399 --> 01:31:42.239 an auction, they's put ten into it, that's thirty then 1739 01:31:42.279 --> 01:31:43.800 they want to get a few grand on top of it. 1740 01:31:43.960 --> 01:31:45.680 Yeah, I can see why people would want to hold 1741 01:31:45.720 --> 01:31:48.520 onto that truck. And I think that might explain why 1742 01:31:48.760 --> 01:31:51.600 an unmarked tow truck showed up and snagged it out 1743 01:31:51.600 --> 01:31:52.279 of the parking lot. 1744 01:31:52.439 --> 01:31:55.760 They stole it. That's that's my that's my assessment of 1745 01:31:55.800 --> 01:31:56.840 the situation in mine too. 1746 01:31:57.079 --> 01:32:00.479 Now I do have some good updates though, Yeah, if 1747 01:32:01.119 --> 01:32:04.399 go ahead, So you may recall that a couple of 1748 01:32:04.520 --> 01:32:06.399 weeks ago, a lady called us. 1749 01:32:06.399 --> 01:32:07.119 Because of her. 1750 01:32:07.840 --> 01:32:09.800 Let me see here, I'm just looking for this. Do 1751 01:32:09.840 --> 01:32:12.640 you remember the lady who called because of her? Her 1752 01:32:12.720 --> 01:32:17.560 name was Raylen, and her buick was at the dealership 1753 01:32:17.800 --> 01:32:21.319 and the part that it needed was a transmission computer 1754 01:32:21.479 --> 01:32:22.960 basically TCM, and. 1755 01:32:23.079 --> 01:32:25.239 It was on a very long back twenty twenty one 1756 01:32:26.079 --> 01:32:28.479 Envision and it was that AutoNation. 1757 01:32:28.720 --> 01:32:31.319 And they kept giving her a loaner car. 1758 01:32:31.800 --> 01:32:34.600 Yeah, and she was afraid that that would run out 1759 01:32:34.680 --> 01:32:37.039 that benefit and then she'd have to start paying for 1760 01:32:37.119 --> 01:32:37.560 the loaner. 1761 01:32:37.960 --> 01:32:39.880 And then she was also afraid she was never going 1762 01:32:39.960 --> 01:32:40.520 to get the part. 1763 01:32:41.279 --> 01:32:44.079 Yeah, the lady, the lady definitely needed help. She you know, 1764 01:32:44.239 --> 01:32:47.359 she has some acknowledged she acknowledged on the air. I 1765 01:32:47.439 --> 01:32:49.279 believe that she has some anxiety. 1766 01:32:49.279 --> 01:32:50.199 And medical treatment. 1767 01:32:50.239 --> 01:32:52.319 She needed a so and so she had a very 1768 01:32:52.359 --> 01:32:54.279 difficult time dealing with it, and she was afraid that 1769 01:32:54.439 --> 01:32:56.640 she was going to run out of the loaner, and 1770 01:32:56.760 --> 01:32:59.800 at one point the dealer's credit card did run out 1771 01:32:59.840 --> 01:33:03.800 of or their credit ran out at the rental company. Anyway, 1772 01:33:04.239 --> 01:33:07.680 long story short, yesterday I had a great conversation with 1773 01:33:07.880 --> 01:33:10.960 AutoNation Buick GMC West. It's all the way over there 1774 01:33:11.000 --> 01:33:13.560 in West Colfax, kind of like where Lakewood becomes Golden, 1775 01:33:14.159 --> 01:33:16.760 And I spoke with a very well informed gentleman in 1776 01:33:16.800 --> 01:33:19.560 the same they have the car, they have the car, 1777 01:33:20.000 --> 01:33:23.199 they stand ready to repair it under a Buick's warranty. 1778 01:33:23.760 --> 01:33:27.359 And he said that just before it sounds like maybe 1779 01:33:27.359 --> 01:33:31.600 a day or so before I called AutoNation Buick, they 1780 01:33:31.720 --> 01:33:34.960 got a notification from GM saying, Hey, the part is 1781 01:33:35.039 --> 01:33:35.880 going to be shipped. 1782 01:33:35.920 --> 01:33:36.960 It's going to be available. 1783 01:33:36.960 --> 01:33:40.159 It's going to be shipped in early February, which, as 1784 01:33:40.199 --> 01:33:42.680 you know, is coming right up. So the gentleman at 1785 01:33:42.680 --> 01:33:46.800 AutoNation assured me that I can tell Raylen that not 1786 01:33:46.960 --> 01:33:49.760 only will the part be here, they're going to install it, 1787 01:33:49.800 --> 01:33:51.560 they're going to fix her car, and they're going to 1788 01:33:51.600 --> 01:33:55.319 continue to pay for her rental car until her car 1789 01:33:55.520 --> 01:33:58.279 is fixed and ready to go. And I called Raylen 1790 01:33:58.399 --> 01:34:01.000 told her the story. She was very leave she you know, 1791 01:34:01.159 --> 01:34:04.359 she bursts into tears, kind of tears of you know, 1792 01:34:04.640 --> 01:34:08.079 half I suppose. And so so I thought that was 1793 01:34:08.159 --> 01:34:11.760 a really good resolution. And yeah, that's wonderful. Very impressed 1794 01:34:11.800 --> 01:34:14.640 with how Automation b at GMC is handling this deal. 1795 01:34:14.960 --> 01:34:17.239 He did explain to me that the dealership itself is 1796 01:34:17.319 --> 01:34:19.399 paying for the rental car and has been paying for it. 1797 01:34:19.760 --> 01:34:22.800 They hope to get reimbursed by GM, but still, what 1798 01:34:22.920 --> 01:34:24.680 a you know, it's it's very nice of them to 1799 01:34:24.760 --> 01:34:25.199 take care of it. 1800 01:34:25.279 --> 01:34:27.079 It's totally nice. It's wonderful. 1801 01:34:27.880 --> 01:34:30.680 So that's that's the update on all right you three 1802 01:34:30.760 --> 01:34:32.800 oh three seven one three talks seven one three eight 1803 01:34:32.880 --> 01:34:36.760 two five five Jordaniano, back to that question, I'm getting 1804 01:34:36.800 --> 01:34:40.079 a text Tom. You asked about what would a typical 1805 01:34:40.199 --> 01:34:43.399 rate of return? How much did it make over the 1806 01:34:43.439 --> 01:34:45.319 past three years? Now, again, I want to make a 1807 01:34:45.359 --> 01:34:49.319 few things clear. The rates of return, Jordan, This is 1808 01:34:49.359 --> 01:34:51.039 something I want to ask before you tell me. Then 1809 01:34:52.399 --> 01:34:54.880 you say, each one is different depending on their anniversary date, 1810 01:34:54.960 --> 01:34:57.479 depending on how much they invested, depending on blah blah blah. 1811 01:34:57.880 --> 01:35:01.720 But what I want to know is this, Well, yeah, 1812 01:35:02.000 --> 01:35:05.119 so when you have an annuity, though, what good and 1813 01:35:05.199 --> 01:35:07.880 I mean this sincerely, what good is the rate of return? 1814 01:35:08.720 --> 01:35:08.960 Do you? 1815 01:35:09.399 --> 01:35:10.119 What I mean is this? 1816 01:35:10.439 --> 01:35:12.600 Let me ask that a better way if you get 1817 01:35:12.600 --> 01:35:15.119 a higher rate of return during its life or a 1818 01:35:15.239 --> 01:35:17.800 lower return. Let's say you pick a five year waiting 1819 01:35:17.880 --> 01:35:20.800 period or a ten year waiting period or a thirty 1820 01:35:20.880 --> 01:35:24.000 year whatever, whatever the investor wants, or they're going to 1821 01:35:24.039 --> 01:35:29.319 do it instantly. But the income is decided on the 1822 01:35:29.479 --> 01:35:34.520 day of conversion to income right, not before correct. 1823 01:35:34.640 --> 01:35:37.680 So to your point, there's you give them. 1824 01:35:37.600 --> 01:35:39.399 An you give them an estimate. 1825 01:35:39.920 --> 01:35:42.239 You give them an estimate when they buy the annuity, 1826 01:35:42.520 --> 01:35:44.800 so they put one hundred and fifty or two hundred 1827 01:35:44.800 --> 01:35:46.479 grand in, you give them an estimate. 1828 01:35:46.720 --> 01:35:50.520 But what actually determines the actual income? 1829 01:35:51.600 --> 01:35:54.640 Yeah, so there's two counts. There's one that's tied to 1830 01:35:54.680 --> 01:35:57.279 the market to your point, and that's the estimate side. 1831 01:35:57.319 --> 01:35:59.560 It just uses the history and kind of gives an 1832 01:35:59.600 --> 01:36:01.359 idea of what he could be like. And then there's 1833 01:36:01.439 --> 01:36:04.520 been guaranteed side, which steps up you're a four and 1834 01:36:04.560 --> 01:36:06.359 a half five percent on how old they are, and 1835 01:36:06.399 --> 01:36:09.279 it steps up a half percent every every five years 1836 01:36:09.319 --> 01:36:11.520 on the lifeline. So seventy seventy five. 1837 01:36:11.840 --> 01:36:13.560 So the point is this, which one do they get? 1838 01:36:14.000 --> 01:36:15.520 Which one do they get the two? 1839 01:36:15.680 --> 01:36:17.000 Whichever is higher the two. 1840 01:36:17.079 --> 01:36:18.279 What if they turn the money. 1841 01:36:18.079 --> 01:36:20.600 So whichever is higher at the time they turn it 1842 01:36:20.680 --> 01:36:23.560 into income is to new it tize that that amount 1843 01:36:24.680 --> 01:36:25.079 you got it? 1844 01:36:25.159 --> 01:36:26.439 Okay, we got more coming up. 1845 01:36:26.479 --> 01:36:28.800 Now I'm going to ask what are some typical returns 1846 01:36:28.840 --> 01:36:36.399 you've guys have been seeing? Right after this, go with 1847 01:36:36.479 --> 01:36:39.920 a sure thing Denver's Best roofer Excel roofing dot com. 1848 01:36:40.119 --> 01:36:45.800 You don't pay a cent until you're contents. Time for 1849 01:36:45.880 --> 01:36:49.600 an insurance check up free no obligation comparison call Compass 1850 01:36:49.680 --> 01:36:52.920 Insurance paying too much your coverage at dozens of insurance 1851 01:36:52.960 --> 01:36:55.439 companies find out now three o three seven to seven 1852 01:36:55.439 --> 01:36:58.199 to one help. You'll think you're his only customer when 1853 01:36:58.239 --> 01:37:00.800 you choose Frank durand the real estate Man dot to 1854 01:37:00.920 --> 01:37:04.119 list your home with Remax Alliance three oh three nine 1855 01:37:04.159 --> 01:37:05.640 two zero sixteen twenty two. 1856 01:37:09.239 --> 01:37:13.560 Hey, I'm Tom Martine. You're troubleshooter three oh three seven 1857 01:37:13.600 --> 01:37:15.880 one three talk three oh three seven one three eight 1858 01:37:15.960 --> 01:37:18.199 two five five. So what's going on? 1859 01:37:18.840 --> 01:37:20.319 How can we help you? We got a lot to 1860 01:37:20.399 --> 01:37:25.479 talk about and on the annuity Jordan, I want to 1861 01:37:25.600 --> 01:37:27.880 I want to ask again. Here's the way it works. 1862 01:37:27.920 --> 01:37:29.960 You put a lump sum or you bank payments into 1863 01:37:30.000 --> 01:37:33.640 an annuity. You get a guaranteed return. You get two accounts. 1864 01:37:33.680 --> 01:37:37.640 One is a guarantee growth at a conservative rate, and 1865 01:37:37.720 --> 01:37:38.159 then you have. 1866 01:37:40.359 --> 01:37:40.880 An S and P. 1867 01:37:41.119 --> 01:37:43.600 Well, you know, a margin account. It doesn't excuse me, 1868 01:37:44.600 --> 01:37:48.560 a benchmark account. It doesn't under an indexed account, and 1869 01:37:48.680 --> 01:37:52.760 it goes according to certain things in the stock market, 1870 01:37:53.840 --> 01:37:56.760 but it is not trading stocks. It just is an 1871 01:37:56.800 --> 01:38:01.119 index and this index fund guarantees that return and then 1872 01:38:03.039 --> 01:38:05.279 you get the higher of the two at the time 1873 01:38:05.399 --> 01:38:07.399 you annuitize it and turn it into income. 1874 01:38:08.199 --> 01:38:11.199 But what we want to know is what has been 1875 01:38:11.640 --> 01:38:13.760 the bigger of the two accounts, Let's say, in the 1876 01:38:13.840 --> 01:38:16.640 last three years, if you can pick one and tell. 1877 01:38:16.520 --> 01:38:21.880 Us, yeah, so really looking at three years having either 1878 01:38:21.960 --> 01:38:23.520 side and that kind of ran some examples here too, 1879 01:38:23.520 --> 01:38:25.800 if we want to talk about real numbers, But looking 1880 01:38:25.840 --> 01:38:29.840 at this, you're going to have really about fourteen to 1881 01:38:30.680 --> 01:38:33.359 sixteen seventy percent on the market index side based off 1882 01:38:33.399 --> 01:38:35.960 of the last three years, you know, and this is 1883 01:38:36.000 --> 01:38:36.880 again history. 1884 01:38:36.720 --> 01:38:41.840 Then really really yeah, okays, the guarantee side, so it's about. 1885 01:38:41.720 --> 01:38:44.239 It's about it's about half of the S and P, 1886 01:38:45.199 --> 01:38:49.560 which is okay, And that's for someone older who wants 1887 01:38:49.640 --> 01:38:52.239 less risk. Of course, because the S and P hasn't 1888 01:38:52.239 --> 01:38:54.600 always been doing this great, it could be lower, all right, 1889 01:38:54.760 --> 01:38:55.279 So then. 1890 01:38:56.640 --> 01:38:58.920 That's good to know. And then the guarantees were what 1891 01:38:59.039 --> 01:38:59.600 about six and. 1892 01:38:59.600 --> 01:39:03.960 A half, So look at that dollar amount. The guarantees 1893 01:39:04.119 --> 01:39:06.159 put you up to about twenty two percent, about twenty 1894 01:39:06.159 --> 01:39:08.000 two and a half, you know. So they give you 1895 01:39:08.039 --> 01:39:10.359 the guaranteed on this example, which would be higher. 1896 01:39:10.640 --> 01:39:12.760 Wait wait wait wait, wait, wait wait wait, but they 1897 01:39:12.800 --> 01:39:13.800 don't add them together. 1898 01:39:15.760 --> 01:39:16.399 I say that again. 1899 01:39:16.439 --> 01:39:21.840 Sorry, you don't add the guarantee along with the index part, 1900 01:39:21.960 --> 01:39:22.159 do you. 1901 01:39:23.319 --> 01:39:26.520 No, So there are two accounts. The index side is 1902 01:39:26.800 --> 01:39:28.720 going to go truly off the S and P five hundred, 1903 01:39:28.960 --> 01:39:31.199 that's the one that's crea on that fourteen to sixteen percent. 1904 01:39:31.640 --> 01:39:35.000 The guaranteed side also starts with the same dollar amount 1905 01:39:35.000 --> 01:39:36.479 that you start with in the beginning, and it just 1906 01:39:36.640 --> 01:39:38.920 ratches up guarantee every single year, no matter what. 1907 01:39:39.199 --> 01:39:43.359 Nothing to do with the market, right, And so that's right, okay, 1908 01:39:43.439 --> 01:39:43.680 got it. 1909 01:39:43.800 --> 01:39:45.479 They give you then at the end. 1910 01:39:45.720 --> 01:39:47.239 At the end, when you're going to a new ad 1911 01:39:47.279 --> 01:39:50.760 tize it. It's it turns into income based on the 1912 01:39:50.840 --> 01:39:51.439 higher amount. 1913 01:39:52.479 --> 01:39:55.119 Correct whicheveryone wins the race. That's sort of look at. 1914 01:39:55.039 --> 01:39:58.000 It, Okay, well that's pretty cool. That's pretty cool. 1915 01:39:58.640 --> 01:40:01.720 So I mean, and again what I want to tell 1916 01:40:01.760 --> 01:40:05.640 people again, you know, the stock market goes up, but 1917 01:40:05.720 --> 01:40:09.279 it also goes down. Lately, we've been all spoiled because 1918 01:40:09.359 --> 01:40:11.359 all things have been doing is going up, up, up, 1919 01:40:11.439 --> 01:40:15.239 up up. And you do not participate one hundred percent. 1920 01:40:15.279 --> 01:40:17.600 I do not believe with an annuity in the market. 1921 01:40:18.159 --> 01:40:21.600 But you also have the guaranteed never to lose. But 1922 01:40:21.840 --> 01:40:27.680 so in the last three years that it's been returning 1923 01:40:27.720 --> 01:40:31.880 a damn good amount. But some might say, well, that's 1924 01:40:31.920 --> 01:40:33.920 not what the S and P did. But I want 1925 01:40:33.960 --> 01:40:35.439 to say a couple of things about the S and P. 1926 01:40:35.560 --> 01:40:37.760 And I always talk to people about this, and Jordan, 1927 01:40:38.399 --> 01:40:41.479 you probably realized this. People talk all day long about 1928 01:40:41.520 --> 01:40:44.039 the S and P. But you know, I probably never 1929 01:40:44.119 --> 01:40:47.239 met an investor who simply lets something sit in an 1930 01:40:47.359 --> 01:40:50.399 S and P five hundred indexed account or or an 1931 01:40:50.479 --> 01:40:55.159 EFT exchange or an e ETF I mean exchange traded fun. 1932 01:40:55.479 --> 01:40:58.920 So while people talk about the the S and P 1933 01:40:59.000 --> 01:41:02.479 five hundred all day long, and people very seldom get 1934 01:41:02.560 --> 01:41:05.199 that return in their personal investments. 1935 01:41:04.960 --> 01:41:08.840 Very seldom. You agreed, I agree. 1936 01:41:08.920 --> 01:41:10.960 Yeah, you got to be able to did versify and 1937 01:41:11.039 --> 01:41:12.119 have a little bit of that change. 1938 01:41:12.319 --> 01:41:12.720 And you're right. 1939 01:41:12.760 --> 01:41:14.960 Sometimes people get the timing wrong or timing right, so 1940 01:41:15.079 --> 01:41:15.680 it just depends. 1941 01:41:17.279 --> 01:41:19.840 Okay, we got to take a break on, Tom Martine. 1942 01:41:20.359 --> 01:41:23.600 Go with a sure thing Denver's best roofer Excel Roofing 1943 01:41:23.720 --> 01:41:26.359 dot com. You don't pay a cent until you're content. 1944 01:41:29.720 --> 01:41:32.880 Time for an insurance check up free, no obligation. In comparison, 1945 01:41:33.039 --> 01:41:36.600 call Compass Insurance paying too much your coverage at dozens 1946 01:41:36.640 --> 01:41:39.319 of insurance companies find out now three O three seven 1947 01:41:39.359 --> 01:41:41.680 to seven to one help. You'll think you're his only 1948 01:41:41.800 --> 01:41:44.239 customer when you choose Frank durand the real estate Man 1949 01:41:44.319 --> 01:41:47.720 dot com to list your home with Remax Alliance three 1950 01:41:47.800 --> 01:41:49.960 oh three nine two zero sixteen twenty two. 1951 01:41:57.760 --> 01:41:58.000 News. 1952 01:42:03.439 --> 01:42:07.960 Running's just as fast as you can. Shooter's gonna help 1953 01:42:08.279 --> 01:42:09.319 coming man. 1954 01:42:10.159 --> 01:42:14.359 This is the Troubleshooter Show. No Tom Martine. 1955 01:42:17.800 --> 01:42:21.079 Welcome, Welcome, my friends to the only show of it's kind. 1956 01:42:21.119 --> 01:42:24.640 We're here to solve problems, answer questions, take complaints. 1957 01:42:24.720 --> 01:42:26.439 You guys understand the show by now. 1958 01:42:26.479 --> 01:42:30.520 We're here to make your life just a little bit 1959 01:42:30.640 --> 01:42:33.479 better you've been ripped off or taken advantage of. The 1960 01:42:33.600 --> 01:42:37.279 phone number is simple, In fact, it's so simple you 1961 01:42:37.439 --> 01:42:39.880 probably already know it. But it's three oh three Martino. 1962 01:42:40.000 --> 01:42:42.000 As you know, that number works on and off the air. 1963 01:42:42.279 --> 01:42:45.640 You can also email us at any time. It help 1964 01:42:45.720 --> 01:42:47.000 at troubleshooter dot com. 1965 01:42:47.119 --> 01:42:51.439 What's going on, Tommy, Yeah, but I'm I'm dealing with 1966 01:42:51.560 --> 01:42:55.239 crap off the air. But hey, when we let me 1967 01:42:55.439 --> 01:42:58.000 just change that picture here for those streaming, I'm sorry guys. 1968 01:42:58.239 --> 01:43:00.000 Anyway, So let's talk about this Mark. 1969 01:43:00.239 --> 01:43:05.720 As far as a question for Jordan, we have somebody 1970 01:43:05.760 --> 01:43:08.840 on the line who has a question. So go ahead, 1971 01:43:08.960 --> 01:43:12.079 let's find out what it's about. Become the banker, Sam, 1972 01:43:12.199 --> 01:43:14.560 go ahead, Yeah. 1973 01:43:14.680 --> 01:43:17.720 Question, when it comes time to retire, are we stuck 1974 01:43:17.760 --> 01:43:20.359 with this company on whatever however rate they use to 1975 01:43:20.439 --> 01:43:23.439 annuitize for our life or can we do a tax 1976 01:43:23.520 --> 01:43:26.640 free change to a different insurance company where we might 1977 01:43:26.720 --> 01:43:30.600 get a better lifetime annuity, you know, in terms of it? 1978 01:43:30.720 --> 01:43:31.319 Well, how long? 1979 01:43:31.439 --> 01:43:34.840 Okay, Okay, hold on, hold on, that's all on the math. 1980 01:43:35.520 --> 01:43:38.199 Let me explain, and maybe Jordan will chime in, or 1981 01:43:38.319 --> 01:43:42.960 Joe Cannell. Here's the deal. When you grow an annuity 1982 01:43:43.319 --> 01:43:46.640 with these guys, or with anyone, you will get the 1983 01:43:46.720 --> 01:43:50.840 hire of whatever account has been indexed to your benefit, 1984 01:43:51.640 --> 01:43:54.279 and that will be annuitized when you want to turn 1985 01:43:54.359 --> 01:43:55.399 it into income. 1986 01:43:56.359 --> 01:43:59.880 If you choose not to annuitize it and. 1987 01:44:00.119 --> 01:44:04.000 You want to take that lump sum and go somewhere else, 1988 01:44:05.479 --> 01:44:09.199 you could theoretically do that. They can't keep your money, 1989 01:44:09.680 --> 01:44:11.560 but you can't turn it into income and do it. 1990 01:44:11.640 --> 01:44:13.560 You have to do it before you turn it into income. 1991 01:44:13.640 --> 01:44:15.880 But I'm going to let them chime in on this. 1992 01:44:16.479 --> 01:44:19.640 I do not believe, and I might be wrong. I 1993 01:44:19.760 --> 01:44:23.119 do not believe that could be mathematically advantageous to you. 1994 01:44:23.479 --> 01:44:25.920 But maybe it could be. Maybe people have done it 1995 01:44:26.000 --> 01:44:26.359 with them. 1996 01:44:26.960 --> 01:44:28.600 I don't know, guys that people come to you with 1997 01:44:28.720 --> 01:44:32.359 an existing annuity that you cashed out and put in 1998 01:44:32.479 --> 01:44:33.000 another one. 1999 01:44:33.119 --> 01:44:36.880 I mean, talk about he has a good question. Who 2000 01:44:36.960 --> 01:44:37.680 wants to take this? 2001 01:44:38.840 --> 01:44:40.319 I take it to me, you know, real quickly. 2002 01:44:40.319 --> 01:44:42.840 I'm out of town, not any a financial seminar right now, 2003 01:44:43.159 --> 01:44:45.119 but I'm gonna break and I want to cover that 2004 01:44:45.319 --> 01:44:46.920 with you, and also some of. 2005 01:44:46.920 --> 01:44:47.880 The previous questions. 2006 01:44:47.920 --> 01:44:51.800 If you have time that you ask Jordan, But it 2007 01:44:51.880 --> 01:44:56.319 would not be through a persa's advantage to transfer an 2008 01:44:56.399 --> 01:45:01.359 existing annuity that is already ready to pay an income 2009 01:45:01.479 --> 01:45:05.479 stream and change it to a new one, because see, 2010 01:45:06.079 --> 01:45:10.560 the annuity can have a cost of living increase on 2011 01:45:10.720 --> 01:45:14.720 the income stream if the client wants it, so they 2012 01:45:14.800 --> 01:45:17.800 don't have to be stuck with the same payment for 2013 01:45:17.880 --> 01:45:20.600 the rest of their lives. They can get just like 2014 01:45:20.680 --> 01:45:24.359 Deputy Duck. You know, your deputy has an annuity that 2015 01:45:24.479 --> 01:45:28.399 he gets a percentage increase based on the cost of 2016 01:45:28.560 --> 01:45:33.399 living index every single year and his tickle pink about it. 2017 01:45:34.319 --> 01:45:37.000 So there's a lot of potential. I think clients need 2018 01:45:37.079 --> 01:45:41.279 to be educated about how the annuity really truly works 2019 01:45:41.800 --> 01:45:46.199 and how it compares to a risky, non guaranteed investment 2020 01:45:46.279 --> 01:45:49.479 in the stock market that has no guarantees. 2021 01:45:51.760 --> 01:45:52.479 Does that make sense? 2022 01:45:53.039 --> 01:45:56.600 Here's the butt, Yeah, of course. What other previous questions 2023 01:45:56.640 --> 01:45:58.000 you do want to address. 2024 01:45:58.479 --> 01:46:01.720 Well, you were talking to Jordan about what the SMP 2025 01:46:01.920 --> 01:46:02.680 has done. 2026 01:46:02.880 --> 01:46:05.399 Over the last three or four years. 2027 01:46:05.479 --> 01:46:09.880 Okay, you see the s MP as an index, right, 2028 01:46:09.960 --> 01:46:12.479 and you know, and you explained that quite well. Just 2029 01:46:12.640 --> 01:46:16.640 like any any financial advisor the sells mutual funds or 2030 01:46:16.760 --> 01:46:19.960 stocks or bonds, you know, they don't have a crystal 2031 01:46:20.039 --> 01:46:24.000 ball as to what the SMP or any investment. I 2032 01:46:24.039 --> 01:46:27.720 don't care who you are. If you're an investor, you 2033 01:46:27.880 --> 01:46:32.520 have asked your ask your financial plattern. Can you guarantee 2034 01:46:32.640 --> 01:46:36.119 me that I never lose my money? What do you 2035 01:46:36.199 --> 01:46:39.000 think they're going to say, tom as if a douciary, 2036 01:46:39.319 --> 01:46:40.279 what would you say to that? 2037 01:46:42.840 --> 01:46:44.520 Can you guarantee people, well, they're not going to. 2038 01:46:44.520 --> 01:46:45.079 Lose their money? 2039 01:46:45.239 --> 01:46:47.039 Of course not, of course not. 2040 01:46:47.319 --> 01:46:47.439 Well. 2041 01:46:47.479 --> 01:46:51.319 The annuity, on the other hand, guarantees that people will 2042 01:46:51.359 --> 01:46:55.159 not lose their principle or their gains. So we're talking 2043 01:46:55.199 --> 01:47:01.039 about two different strategies. Somebody wants really and don't want 2044 01:47:01.079 --> 01:47:03.680 to lose their money potentially, then they should go with 2045 01:47:03.840 --> 01:47:07.720 a broker or a financial advice to stalk some Well. 2046 01:47:08.079 --> 01:47:11.640 Joe, Joe, listen, I agree, I agree with you. I 2047 01:47:11.800 --> 01:47:12.319 agree with you. 2048 01:47:12.960 --> 01:47:16.720 But there's also a time to manage your risk and 2049 01:47:16.840 --> 01:47:20.560 to make smart investments as well. Certainly, I don't think 2050 01:47:20.720 --> 01:47:23.840 a fix indextinuity is for everyone at every stage of 2051 01:47:23.880 --> 01:47:24.319 their life. 2052 01:47:26.640 --> 01:47:30.520 You know, some people get it young and they actually 2053 01:47:30.840 --> 01:47:34.600 even we have we have clients with that buy annuities 2054 01:47:34.680 --> 01:47:35.960 for their grand children. 2055 01:47:37.439 --> 01:47:40.600 Well that's wonderful. Okay, so a lot of people buy things. 2056 01:47:40.920 --> 01:47:43.079 A lot of people buy things. But Joe, if you're 2057 01:47:43.119 --> 01:47:46.680 asking me, do I believe annuities is for everyone at 2058 01:47:46.720 --> 01:47:47.760 every stage in their life? 2059 01:47:47.880 --> 01:47:50.520 My answer is hell, no, it's not. Okay. 2060 01:47:50.800 --> 01:47:54.159 You may think differently, that's fine, we can disagree. You're 2061 01:47:54.199 --> 01:47:56.960 a good man, you have your reasons, but I am 2062 01:47:57.039 --> 01:48:00.600 telling you that to suggest that one investment is good 2063 01:48:00.680 --> 01:48:04.239 for everyone at every stage in their life, in my opinion, 2064 01:48:04.680 --> 01:48:05.760 doesn't hold water. 2065 01:48:06.680 --> 01:48:09.439 I'm not saying that doom. I'm saying that the stock market, 2066 01:48:09.920 --> 01:48:10.359 that's true. 2067 01:48:10.520 --> 01:48:14.600 Not for everyone either, That's exactly right. 2068 01:48:14.800 --> 01:48:16.479 But so that's what the client want. 2069 01:48:17.640 --> 01:48:20.119 One of the black one of the black marks, one 2070 01:48:20.159 --> 01:48:23.279 of the black marks in the stock market. And listen, 2071 01:48:23.760 --> 01:48:25.960 I want to make this very clear. The reason I 2072 01:48:26.039 --> 01:48:28.359 can talk to Joe like this is because I know 2073 01:48:28.560 --> 01:48:31.479 Joe is a good man. I endorse him for a reason, 2074 01:48:31.960 --> 01:48:35.359 and I know what he's done for people. I mean, 2075 01:48:35.560 --> 01:48:37.560 I don't want you to mistake this is some kind 2076 01:48:37.560 --> 01:48:41.720 of disagreement is these are we're discussing philosophies. Sure, but 2077 01:48:41.840 --> 01:48:44.319 I know one of the big black marks in the 2078 01:48:44.399 --> 01:48:47.840 stock market are all of these people who turn and 2079 01:48:48.000 --> 01:48:52.159 churn people's accounts, or these brokerage houses, or these people 2080 01:48:52.560 --> 01:48:56.600 that get these unsuspected investors and slam the hell out 2081 01:48:56.640 --> 01:48:56.880 of them. 2082 01:48:57.119 --> 01:49:00.520 And you're absolutely right. They have major gains in major losses. 2083 01:49:00.760 --> 01:49:03.840 The problem is to make up a loss takes twice 2084 01:49:03.880 --> 01:49:06.600 as long and get a gain, so they. 2085 01:49:06.720 --> 01:49:10.680 End up in the negative. And I said this even 2086 01:49:10.760 --> 01:49:13.640 though the S and P. Five hundred does you. 2087 01:49:13.720 --> 01:49:16.000 Can look at it the last five years, for God's sakes, 2088 01:49:16.039 --> 01:49:18.600 the compound of returns are near fifty eight percent. But 2089 01:49:18.720 --> 01:49:21.359 I don't know one person, not one who's made fifty 2090 01:49:21.399 --> 01:49:24.039 eight percent over the last five years. Because no one 2091 01:49:24.439 --> 01:49:29.359 takes advantage of solid investments. Everyone wants to get rich quick. 2092 01:49:29.479 --> 01:49:30.640 They end up losing money. 2093 01:49:30.960 --> 01:49:32.800 So you're right, I would say. 2094 01:49:32.720 --> 01:49:35.239 Ninety eight percent of the time these jerks in the 2095 01:49:35.319 --> 01:49:38.399 stock market end up losing. And having a smart place 2096 01:49:38.520 --> 01:49:42.720 dinnuity even for someone younger, could be wiser, but it's 2097 01:49:42.840 --> 01:49:47.000 not wiser because of the product as much as it 2098 01:49:47.159 --> 01:49:50.880 is wiser because of the other stupid decisions they make. 2099 01:49:51.239 --> 01:49:54.159 That's the point I'm making, and you're right. 2100 01:49:54.279 --> 01:49:58.960 And it's also wiser to choose the right financial planner, 2101 01:49:59.359 --> 01:50:02.920 one who's at they call educate it and with experienced them. 2102 01:50:03.680 --> 01:50:06.720 In our firm, we got, of course, years of financial 2103 01:50:06.800 --> 01:50:11.680 planning experience, so we represented the stock market before I 2104 01:50:11.760 --> 01:50:12.760 had all my licenses. 2105 01:50:12.880 --> 01:50:13.960 I was a stalk broker. 2106 01:50:14.119 --> 01:50:14.520 I get it. 2107 01:50:14.600 --> 01:50:15.079 I couldn't. 2108 01:50:15.359 --> 01:50:16.520 I could get it. I couldn't. 2109 01:50:16.560 --> 01:50:20.319 I couldn't bear the pain on people's eyes and faces 2110 01:50:20.800 --> 01:50:23.800 when they take to retire and they didn't have the 2111 01:50:23.920 --> 01:50:27.840 money that they were hoping to have. Yet, an annuity 2112 01:50:28.119 --> 01:50:31.239 is guaranteed not to lose the principle that you put 2113 01:50:31.319 --> 01:50:34.319 in or the games, and they're going to get in. 2114 01:50:34.520 --> 01:50:34.880 I get that. 2115 01:50:34.960 --> 01:50:38.760 Indeed, inca for lifetom. So we're talking about night day. 2116 01:50:39.960 --> 01:50:43.920 But because here's the problem, because there are a lot 2117 01:50:44.000 --> 01:50:48.479 of idiots out there who call themselves financial advisors that 2118 01:50:48.960 --> 01:50:51.239 in my opinion and again and again, I have a 2119 01:50:51.359 --> 01:50:54.199 vested interest here. Everyone knows Joe that I started Wave 2120 01:50:54.399 --> 01:50:56.479 Wealth Management, and I'm not trying to compete with you 2121 01:50:56.560 --> 01:50:59.479 at all because I tell people, go call Joe, you 2122 01:50:59.600 --> 01:51:00.399 need an annuity. 2123 01:51:00.520 --> 01:51:03.479 I tell them, and I have no problem with that. 2124 01:51:03.960 --> 01:51:07.520 But what I'm saying is this, to suggest an annuity 2125 01:51:07.920 --> 01:51:14.159 is a product, a preferred product because everyone or most 2126 01:51:14.279 --> 01:51:18.800 everyone advising them in the stock market are idiots, does 2127 01:51:18.880 --> 01:51:22.319 not make the stock market the idiot. It doesn't make 2128 01:51:22.399 --> 01:51:25.960 the investor the idiot. It makes the financial advisor an 2129 01:51:26.039 --> 01:51:29.840 idiot because they're charging for assets under management and they 2130 01:51:29.880 --> 01:51:33.239 don't give a goddamn what happens to the returns, And 2131 01:51:33.399 --> 01:51:36.439 that's the problem. They churn and move people or they 2132 01:51:36.479 --> 01:51:39.399 don't even know their investor. Joe and Jordan get to 2133 01:51:39.479 --> 01:51:42.399 know everyone and then they make suggestions based on their 2134 01:51:42.439 --> 01:51:46.720 individual circumstances. We're both in agreement, Joe. I'm simply saying 2135 01:51:47.119 --> 01:51:51.119 that when you say you believe a fixed indestinuity can 2136 01:51:51.159 --> 01:51:55.039 benefit everyone, the reason is because there are a bunch 2137 01:51:55.119 --> 01:51:57.640 of idiots out there advising those people. 2138 01:51:58.119 --> 01:52:01.720 That's why, Well, you know, Tom, There's only one thing 2139 01:52:01.800 --> 01:52:04.159 I want to say, and that is, you know, if 2140 01:52:04.199 --> 01:52:07.279 you really have come face to face with a client 2141 01:52:08.079 --> 01:52:11.760 and ask them one simple question, how much money can 2142 01:52:11.800 --> 01:52:14.119 you afford to lose? What do you think that they 2143 01:52:14.159 --> 01:52:19.439 will say? Can they say I Joe one hundred thousand 2144 01:52:19.560 --> 01:52:22.479 or two hundred thousand. Okay, be my gifts go with 2145 01:52:22.560 --> 01:52:24.159 the stock market, but if. 2146 01:52:24.079 --> 01:52:26.920 They cannot loose a single parent, you're assuming. 2147 01:52:27.560 --> 01:52:30.960 You're assuming every time someone goes with a stock market, 2148 01:52:31.600 --> 01:52:35.000 they're taking major risks with major losses. 2149 01:52:35.399 --> 01:52:38.760 And I am telling you that doesn't have to happen. 2150 01:52:39.079 --> 01:52:39.199 Now. 2151 01:52:39.439 --> 01:52:43.600 No one can guarantee a return ever, but you can 2152 01:52:43.760 --> 01:52:47.800 guarantee that you're not going to be churning people. That 2153 01:52:48.760 --> 01:52:51.680 those are the ones that get hurt. If someone truly 2154 01:52:51.800 --> 01:52:52.479 went by. 2155 01:52:52.399 --> 01:52:56.600 Themselves into an S and P five hundred exchange traded 2156 01:52:56.680 --> 01:53:00.319 fund and ETF, they would truly get the return that 2157 01:53:00.479 --> 01:53:02.439 the S and P did. They would truly get it. 2158 01:53:03.199 --> 01:53:05.600 I mean, it wouldn't be it wouldn't be a joke. 2159 01:53:05.840 --> 01:53:09.720 It would actually happen. But no one does it. That's 2160 01:53:09.800 --> 01:53:10.520 the problem. 2161 01:53:10.880 --> 01:53:11.560 No one does it. 2162 01:53:12.079 --> 01:53:15.479 So to suggest that they should buy an annuity because 2163 01:53:15.600 --> 01:53:19.479 everyone else is an idiot doesn't hold water. Because I 2164 01:53:19.640 --> 01:53:22.439 am saying that there is a time to have an annuity, 2165 01:53:22.680 --> 01:53:26.319 but it's not every time. I'm sorry, Okay, I don't 2166 01:53:26.319 --> 01:53:29.520 think it's every time. I think it's much of the time, but. 2167 01:53:29.680 --> 01:53:30.479 Not every time. 2168 01:53:30.800 --> 01:53:34.000 Because I have faith that there are people who can 2169 01:53:34.079 --> 01:53:35.399 do investing the right way. 2170 01:53:35.680 --> 01:53:36.560 That's all I'm saying. 2171 01:53:36.960 --> 01:53:40.760 And I think you're talking about the stock market in 2172 01:53:40.880 --> 01:53:44.439 a way that you should be talking about the people 2173 01:53:44.479 --> 01:53:47.079 who invest their money and lose them tons of money. 2174 01:53:47.359 --> 01:53:48.159 Again, I want to. 2175 01:53:48.159 --> 01:53:50.319 Make it very clear, Joe wouldn't be on the show 2176 01:53:50.319 --> 01:53:52.319 if I didn't believe in fixed indextinuities. 2177 01:53:52.720 --> 01:53:54.479 And I think there's a time and place for it. 2178 01:53:54.840 --> 01:53:57.199 I do truly believe that we have more coming up. 2179 01:54:02.800 --> 01:54:06.039 Go with a sure thing Denver's Best roofer Excel Roofing 2180 01:54:06.159 --> 01:54:08.800 dot com. You don't pay a cent until you're content. 2181 01:54:12.159 --> 01:54:15.319 Time for an insurance check up, free no obligation comparison 2182 01:54:15.479 --> 01:54:19.039 call Compass Insurance. Pay too much your coverage at dozens 2183 01:54:19.079 --> 01:54:21.800 of insurance companies find out now three oh three seven 2184 01:54:21.800 --> 01:54:24.119 to seven to one help. You'll think you're his only 2185 01:54:24.239 --> 01:54:26.680 customer when you choose Frank durand the real estate Man 2186 01:54:26.760 --> 01:54:30.159 dot com to list your home with Remax Alliance three 2187 01:54:30.239 --> 01:54:40.880 oh three nine two zero sixteen twenty two. Hi Tom Martino, 2188 01:54:41.840 --> 01:54:44.560 you're a troubleshooter. Three o three seven one three talk 2189 01:54:45.279 --> 01:54:47.520 seven one three eight two five five. 2190 01:54:47.840 --> 01:54:48.800 Welcome to the show. 2191 01:54:49.319 --> 01:54:52.279 Here to help you solve problems, answer questions, and take 2192 01:54:52.359 --> 01:54:54.600 complaints and make your life just. 2193 01:54:54.680 --> 01:54:55.399 A little easier. 2194 01:54:55.880 --> 01:54:59.760 So let's talk about some of the uh things in 2195 01:54:59.800 --> 01:55:01.600 the news that we should be talking about. 2196 01:55:01.640 --> 01:55:08.079 Some stuff going on. And here's the thing. A lot 2197 01:55:08.159 --> 01:55:12.159 of people say that they don't see inflation coming down 2198 01:55:12.640 --> 01:55:13.520 anytime soon. 2199 01:55:14.399 --> 01:55:16.039 And this is going to be one of the biggest 2200 01:55:16.159 --> 01:55:21.640 challenges of the presidency. Again not political. They just don't think. Now, 2201 01:55:21.680 --> 01:55:24.520 I don't know what's happening, but that is the bottom 2202 01:55:24.600 --> 01:55:27.359 line with concerns. 2203 01:55:28.399 --> 01:55:29.199 I have hope. 2204 01:55:29.359 --> 01:55:33.840 Who knows, I think so far, it's too soon to tell. 2205 01:55:34.560 --> 01:55:40.119 Now this is really important. Dan Caplis loves talking about 2206 01:55:40.159 --> 01:55:44.560 legalization of marijuana and house destroying our nation and our state. 2207 01:55:44.600 --> 01:55:48.239 And he's right. I mean, I don't know if it's destroying, 2208 01:55:48.279 --> 01:55:49.039 but I will tell you this. 2209 01:55:50.159 --> 01:55:53.520 There has the largest ever study done on cannabis and 2210 01:55:53.680 --> 01:55:56.920 brain function, by the way, done right here, part of 2211 01:55:56.960 --> 01:56:01.439 it right here in Colorado by UCEE Health and it 2212 01:56:01.560 --> 01:56:04.199 was published in JAMA the Journal of American Medicine or 2213 01:56:04.199 --> 01:56:04.640 something like that. 2214 01:56:05.039 --> 01:56:05.720 Now listen to this. 2215 01:56:06.960 --> 01:56:10.920 They found that regular use of cannabis products of any 2216 01:56:11.039 --> 01:56:17.079 kind the largest study of its kind ever by using 2217 01:56:17.439 --> 01:56:22.159 more than one thousand adults ages twenty two to thirty 2218 01:56:22.319 --> 01:56:29.119 six years old using brain imagery. It found that sixty 2219 01:56:29.439 --> 01:56:35.119 three percent of these people had impaired memory and impaired 2220 01:56:35.239 --> 01:56:42.479 cognitive ability. And then it says so that was so, 2221 01:56:43.880 --> 01:56:47.760 and also sixty eight percent, sixty eight percent of them 2222 01:56:48.199 --> 01:56:53.800 had other problems with their brain. Now, I'm not telling 2223 01:56:53.840 --> 01:56:57.079 you don't smoke dop. I'm not here moralizing. I'm just 2224 01:56:57.199 --> 01:56:59.760 telling you this is a major study. By the way, 2225 01:56:59.840 --> 01:57:04.239 you see at hand Shoots, the medical campus did this. 2226 01:57:05.000 --> 01:57:07.640 That was they were part of it, you see, health 2227 01:57:08.439 --> 01:57:11.920 and they did a long, long study. Think about that, 2228 01:57:12.039 --> 01:57:17.920 a thousand young adults, thousand brain imaging, chemistry, blood everything, 2229 01:57:19.199 --> 01:57:22.920 questionnaires and if you want to get into it, you 2230 01:57:23.000 --> 01:57:25.960 can look it up online. In fact, you can go 2231 01:57:26.119 --> 01:57:31.359 to news dot cun Shoots dot edu look it up. 2232 01:57:32.760 --> 01:57:37.239 So basically, they're saying that it does have an effect 2233 01:57:37.279 --> 01:57:41.880 on our brain function. You know, once years ago, I remember, 2234 01:57:42.640 --> 01:57:47.159 I might have been in my fifties, late fifties, maybe 2235 01:57:47.239 --> 01:57:52.319 early sixty. Iway, I challenged potsmokers of any age, young 2236 01:57:52.479 --> 01:57:55.680 the younger the better to a game against me. Now, 2237 01:57:55.720 --> 01:57:57.319 they didn't even have to be high at the time 2238 01:57:57.960 --> 01:58:00.680 they could if they wanted to be, but to come 2239 01:58:00.760 --> 01:58:05.399 into the studio and to have a game, several games 2240 01:58:05.479 --> 01:58:06.399 of reactions. 2241 01:58:06.840 --> 01:58:09.000 To me, do you know what reactionary games are? 2242 01:58:09.439 --> 01:58:12.439 Like hot hands, press the buzzers, when you see a color, 2243 01:58:12.920 --> 01:58:15.239 all kinds of stuff, reaction games. 2244 01:58:15.680 --> 01:58:16.760 That's all just reaction. 2245 01:58:17.680 --> 01:58:20.880 And it takes a cognitive ability, and then it takes 2246 01:58:20.920 --> 01:58:24.640 a motor skill memory and well not memory, but motor skill. 2247 01:58:25.159 --> 01:58:26.760 What do they call eye hand coordination? 2248 01:58:26.920 --> 01:58:27.039 Right? 2249 01:58:27.159 --> 01:58:30.159 Okay, so I had some young whipper snappers, Mark, do 2250 01:58:30.239 --> 01:58:33.239 you remember this at all? I I don't remember that. 2251 01:58:35.000 --> 01:58:37.199 Okay, we had some young Oh we had another one 2252 01:58:37.239 --> 01:58:39.600 that was funny. Well, we had some young whipper snappers 2253 01:58:39.680 --> 01:58:41.920 come in and I beat the hell out of them. 2254 01:58:42.000 --> 01:58:44.640 Every single time. The kids in their twenties thought, oh, 2255 01:58:44.760 --> 01:58:48.000 then this old guy bam bam, bam bam. They couldn't 2256 01:58:48.000 --> 01:58:50.159 even come close to me. Now, I won't even talk 2257 01:58:50.199 --> 01:58:53.000 about thumb wrestling because that's not hand eye coordination. 2258 01:58:53.079 --> 01:58:54.079 That's just I'm an expert. 2259 01:58:54.199 --> 01:58:57.119 But in any case, we did hot hands, and we 2260 01:58:57.239 --> 01:59:00.479 did other kinds of buzzer games and computer stuff, and 2261 01:59:00.600 --> 01:59:03.439 they couldn't come close. Now was it because the pot 2262 01:59:03.520 --> 01:59:08.359 they all identified themselves of heavy pot smokers, so I 2263 01:59:08.399 --> 01:59:08.640 don't know. 2264 01:59:08.640 --> 01:59:09.720 It was a fun thing we did. 2265 01:59:10.199 --> 01:59:12.560 Then we did another one one time because I was 2266 01:59:12.640 --> 01:59:15.920 so sick and tired of people saying, you go to 2267 01:59:16.000 --> 01:59:18.159 a doctor certain doctors, And I don't want to make 2268 01:59:18.199 --> 01:59:20.840 fun of people, because again I don't like making fun 2269 01:59:20.880 --> 01:59:21.760 of people's. 2270 01:59:21.560 --> 01:59:22.720 Beliefs and philosophies. 2271 01:59:23.119 --> 01:59:27.199 But if you heard of where they hold They have 2272 01:59:27.359 --> 01:59:30.359 vitamins in a vial and you hold it in your 2273 01:59:30.439 --> 01:59:33.880 hand and they do the muscle testing, so they push 2274 01:59:33.960 --> 01:59:39.800 down on your arms. Now obviously they ah, God, it's 2275 01:59:39.960 --> 01:59:42.199 to me, it's like the Wigi board. You can make 2276 01:59:42.239 --> 01:59:44.520 that Wigi board go anywhere you want with a bunch 2277 01:59:44.560 --> 01:59:47.600 of friends, and it seems like it's vibrating on its own. 2278 01:59:48.239 --> 01:59:49.159 Here's the bottom line. 2279 01:59:52.279 --> 01:59:54.720 The same with a pendulum on a string, whether it 2280 01:59:54.760 --> 01:59:57.079 goes back and forth or in a circle, you are 2281 01:59:57.199 --> 01:59:58.840 doing that psychologically on your own. 2282 01:59:59.199 --> 02:00:00.479 You don't think you are, but you are. 2283 02:00:01.359 --> 02:00:01.520 Well. 2284 02:00:01.720 --> 02:00:03.640 I believe the same thing with these You hold the 2285 02:00:03.680 --> 02:00:06.239 vitem into your hand and they do a muscle test, 2286 02:00:06.600 --> 02:00:09.199 and the one that's supposed to be good for you 2287 02:00:09.920 --> 02:00:12.279 you'll be strong, and the one that's bad for you 2288 02:00:12.439 --> 02:00:16.119 you don't need, you'll be weak, and then the one 2289 02:00:16.279 --> 02:00:20.199 that you don't need probably won't do much. So I 2290 02:00:20.399 --> 02:00:23.600 one time challenge somebody to this check. I said, I 2291 02:00:23.680 --> 02:00:26.000 want you to do it in the studio. I want 2292 02:00:26.039 --> 02:00:28.560 you to do it with people in the studio, and 2293 02:00:28.680 --> 02:00:30.039 I want you to see if you can do it 2294 02:00:30.119 --> 02:00:34.960 consistently with the same people in the same studio, including yourself. 2295 02:00:35.560 --> 02:00:38.239 Only one thing I don't want you to know. I 2296 02:00:38.399 --> 02:00:38.960 want to be the. 2297 02:00:39.039 --> 02:00:43.600 Only one who knows what's in the vials, because when 2298 02:00:43.920 --> 02:00:47.079 a do they call that applied tenesiology or whatever they 2299 02:00:47.159 --> 02:00:49.159 call this, I don't know what they call muscle testing. 2300 02:00:49.840 --> 02:00:52.039 So whenever they would take something that was bad, like 2301 02:00:52.119 --> 02:00:55.520 tobacco in a tin little tin screw on those little 2302 02:00:55.560 --> 02:00:58.560 film vials or whatever, I don't know, I call them film. 2303 02:00:58.800 --> 02:01:01.880 They're supposed to be a little you know, something that 2304 02:01:01.960 --> 02:01:05.159 holds the substance. So it's either vitamin C, B E. 2305 02:01:05.760 --> 02:01:08.079 It could be cannabis, it could be tobacco, it could 2306 02:01:08.079 --> 02:01:10.840 be anything. It could be mercury, it could be and 2307 02:01:10.920 --> 02:01:13.600 then you hold it and you do a certain muscle test. 2308 02:01:14.000 --> 02:01:17.039 It is my belief that the practitioner doing this test 2309 02:01:18.520 --> 02:01:21.560 psychologically will press harder or softer, depending on what the 2310 02:01:21.760 --> 02:01:24.800 substance is. So if there's tobacco in a vial, they 2311 02:01:24.880 --> 02:01:27.239 know tobacco's bad for you, so they're going to press 2312 02:01:27.239 --> 02:01:28.239 a little harder. 2313 02:01:28.479 --> 02:01:30.319 And you're going to be weaker. 2314 02:01:30.960 --> 02:01:33.640 Now they say, oh, that doesn't happen, and I said, okay, 2315 02:01:33.680 --> 02:01:36.439 then prove it. I will get vials filled with stuff 2316 02:01:36.479 --> 02:01:37.760 and I'll only know what's in them. 2317 02:01:37.880 --> 02:01:39.800 They wouldn't do it. They wouldn't do it. 2318 02:01:39.920 --> 02:01:42.600 They ah, no, no, And I said, well, what do 2319 02:01:42.680 --> 02:01:46.600 you mean if if you take six vials or ten 2320 02:01:46.720 --> 02:01:50.279 vials and muscle test someone, you're telling me it's the 2321 02:01:50.439 --> 02:01:55.039 substance in the vial that makes them stronger or weaker. 2322 02:01:56.079 --> 02:02:00.319 It's not your knowledge of those And he says, well, 2323 02:02:00.359 --> 02:02:02.720 there's a spiritual connection as well, and I said, yeah, right, 2324 02:02:02.800 --> 02:02:07.560 horse crap. So here's my challenge. Anybody who believes they 2325 02:02:07.600 --> 02:02:10.520 can muscle test someone for a substance, You're welcome to 2326 02:02:10.560 --> 02:02:13.479 come to my studio, and I swear to God, I'll 2327 02:02:13.520 --> 02:02:17.039 give you the biggest praise and cheers in the world. 2328 02:02:16.800 --> 02:02:17.399 If you can do it. 2329 02:02:17.960 --> 02:02:22.800 But you can't know what's in the vials, because objectively, 2330 02:02:23.800 --> 02:02:28.319 if someone truly is weakened by a substance. They would 2331 02:02:28.359 --> 02:02:31.800 be weakened by a substance, whether you know what it 2332 02:02:31.920 --> 02:02:36.039 is or not. And if they're strengthened by a substance, 2333 02:02:36.119 --> 02:02:38.239 they would be strengthened, whether you know what it is 2334 02:02:38.359 --> 02:02:38.520 or not. 2335 02:02:39.199 --> 02:02:43.199 So anyone who does this, you're free to come into 2336 02:02:43.239 --> 02:02:46.159 my home or to my studio, and I want to 2337 02:02:46.199 --> 02:02:46.479 see it. 2338 02:02:47.239 --> 02:02:52.600 Will take subjects and substances and see what happens. No 2339 02:02:52.680 --> 02:02:57.479 one can do it, Sorry, it won't happen. So three 2340 02:02:57.560 --> 02:02:59.760 O three seven one three talk seven to one, three 2341 02:02:59.760 --> 02:03:00.439 eight eight two. 2342 02:03:00.359 --> 02:03:00.880 Five to five. 2343 02:03:02.159 --> 02:03:05.640 Now, Tom, going back to that caller of the casino, 2344 02:03:06.920 --> 02:03:09.880 if they kicked him out of the casino, it doesn't 2345 02:03:09.960 --> 02:03:11.880 mean even though they can legally do it, that is 2346 02:03:11.960 --> 02:03:18.600 good business. And I know winning could result in me 2347 02:03:19.119 --> 02:03:23.680 being trespassed from there or yeah, whatever they're trying to say, 2348 02:03:24.640 --> 02:03:27.760 that comes from an earlier caller. If you are too 2349 02:03:27.840 --> 02:03:30.840 good at what you do at a casino, they don't 2350 02:03:30.880 --> 02:03:32.319 have to have a reason to kick you out. 2351 02:03:33.079 --> 02:03:35.560 They often do make up a reason. You know, you're 2352 02:03:35.600 --> 02:03:38.920 a what do they call it, advanced player, advantage player? 2353 02:03:39.079 --> 02:03:41.720 Advantage player, meaning you're counting cards or you're looking for 2354 02:03:41.880 --> 02:03:45.439 things telltale signs edge. You look at the edges of cards, 2355 02:03:45.479 --> 02:03:48.239 you can read them, you can memorize them. Whatever they say, 2356 02:03:48.319 --> 02:03:53.520 that's not gambling. So in that regard, you can be 2357 02:03:53.640 --> 02:03:56.600 kicked out of a casino for any reason at any time. 2358 02:03:57.079 --> 02:03:59.760 And this texture says that might be legal, but it's 2359 02:03:59.760 --> 02:04:08.159 stick supid now it says here, Uh, what's that? Oh, 2360 02:04:08.319 --> 02:04:10.840 I'll take the break right now then. I'm Tom Martinez. 2361 02:04:10.840 --> 02:04:12.399 We have more coming up. We have Joe and Jordan 2362 02:04:12.479 --> 02:04:15.520 Piano my Moneymway dot com. They're going to have an 2363 02:04:15.560 --> 02:04:18.760 event coming up soon to talk about retirement options, and 2364 02:04:18.840 --> 02:04:26.239 we'll talk about that and more right after this. Go 2365 02:04:26.399 --> 02:04:30.000 with a sure thing Denver's Best roofer Excel Roofing dot com. 2366 02:04:30.159 --> 02:04:35.880 You don't pay a cent until you're content. Time for 2367 02:04:35.960 --> 02:04:40.279 an insurance checkup free no obligation comparison call Compass Insurance 2368 02:04:40.439 --> 02:04:43.439 paying too much your coverage at dozens of insurance companies 2369 02:04:43.560 --> 02:04:45.560 find out now three O three seven to seven to 2370 02:04:45.600 --> 02:04:48.359 one help. You'll think you're his only customer when you 2371 02:04:48.479 --> 02:04:50.880 choose Frank durand the real estate Man dot com to 2372 02:04:51.000 --> 02:04:54.359 list your home with Remax Alliance three three nine two 2373 02:04:54.439 --> 02:05:04.640 zero sixteen twenty two. Hi, Tom Martino, you're a troubleshooter. 2374 02:05:06.239 --> 02:05:09.640 Three zero three seven one three talk seven one three 2375 02:05:09.640 --> 02:05:14.800 eight two five five. Dan Mackenzie attorney at Law Mackenzie Law. 2376 02:05:14.880 --> 02:05:18.239 He does estate planning. I love picking his brain about things. 2377 02:05:18.359 --> 02:05:20.319 I'm gonna go back to this call we had. Even 2378 02:05:20.319 --> 02:05:22.600 if we can't get the caller on, but if we can, 2379 02:05:22.720 --> 02:05:25.880 that's even better. So, Kachina, are you attempting to caller on? 2380 02:05:25.960 --> 02:05:27.520 I can start summarizing the problem. 2381 02:05:31.159 --> 02:05:35.239 We have Dan Mackenzie on, and also Darryl who was 2382 02:05:35.319 --> 02:05:38.840 the call Thank you very much. Yes, hey Darryl, allow 2383 02:05:38.960 --> 02:05:49.800 me to summarize this, Hey Dan, Dan, Yeah, okay, Hi listen. 2384 02:05:50.680 --> 02:05:54.800 So we have a woman who lives in Mexico. Hey, Daryl, 2385 02:05:54.920 --> 02:05:57.039 is she an American? Is she an American citizen or 2386 02:05:57.039 --> 02:06:03.199 a Mexican citizen. She has dual citizens dual citizenship, and 2387 02:06:03.359 --> 02:06:05.279 she lives in Mexico, and she has a house that's 2388 02:06:05.279 --> 02:06:09.760 paid for five hundred thousand dollars about and she has 2389 02:06:09.840 --> 02:06:13.000 about two million dollars in bank accounts, mostly in the US, 2390 02:06:13.920 --> 02:06:16.880 and a couple in Mexico and a couple in Costa Rica. 2391 02:06:18.399 --> 02:06:19.319 That's her situation. 2392 02:06:19.720 --> 02:06:23.319 A couple million in bank accounts spread across three countries 2393 02:06:24.720 --> 02:06:28.159 and a house in Mexico worth about five hundred paid off. 2394 02:06:28.920 --> 02:06:34.000 She's got four heirs that she plans on distributing twenty 2395 02:06:34.079 --> 02:06:38.159 five percent each. I want to know the easiest way 2396 02:06:38.159 --> 02:06:40.640 to do this, Dan, What I said was maybe, and 2397 02:06:40.720 --> 02:06:44.199 again I'm just taking an amateuristic stab at this. Maybe 2398 02:06:44.239 --> 02:06:46.359 they form an LLC first of all among the four, 2399 02:06:48.199 --> 02:06:50.600 saying that they would agree to split everything twenty five 2400 02:06:50.640 --> 02:06:53.520 percent that's sent to the LLC. And then maybe she 2401 02:06:53.680 --> 02:06:57.239 does a form of a fisheries deed for the Mexican 2402 02:06:57.319 --> 02:06:59.880 home and payable on death certificates for the bank accounts. 2403 02:07:00.119 --> 02:07:03.119 But I don't even know if that's possible cross country lines. 2404 02:07:03.199 --> 02:07:04.520 So can you weigh in on this? 2405 02:07:05.800 --> 02:07:06.000 Yeah? 2406 02:07:06.039 --> 02:07:08.640 I mean it's whatever whatever is done with the property 2407 02:07:08.720 --> 02:07:12.359 in Mexico or wherever else other items are is going 2408 02:07:12.399 --> 02:07:15.479 to be done according to their laws. Even within the 2409 02:07:15.560 --> 02:07:18.239 United States, you know. I you know, Colorado court can't 2410 02:07:18.439 --> 02:07:21.000 direct where like Kansas property goes, so you have to 2411 02:07:21.079 --> 02:07:22.880 do something to put them in some sort of entity. 2412 02:07:23.039 --> 02:07:27.560 So the LLC idea is an interesting one. I take 2413 02:07:27.600 --> 02:07:29.840 it that the four do get along with each other. 2414 02:07:30.119 --> 02:07:31.239 On the same page about all this. 2415 02:07:33.479 --> 02:07:35.640 Yeah, they he says, they probably will. 2416 02:07:35.760 --> 02:07:39.279 Yes, Okay, I don't know. 2417 02:07:40.680 --> 02:07:42.960 I mean, I know, you know, obviously Mexico has its 2418 02:07:43.000 --> 02:07:46.319 own rules that I think that I've heard that they 2419 02:07:46.399 --> 02:07:49.760 require some sort of like free registration of how you 2420 02:07:49.800 --> 02:07:52.760 want would want property distributed if you passed away, like 2421 02:07:52.800 --> 02:07:55.920 when you own real estate there. But that is really 2422 02:07:56.000 --> 02:07:58.000 secondhand and that knowledge is a little bit out of date, 2423 02:07:58.039 --> 02:07:59.319 so I don't really know if that's true or not, 2424 02:07:59.479 --> 02:08:00.159 but it's now. 2425 02:08:00.239 --> 02:08:02.239 But let me ask you something, though, Would you need 2426 02:08:02.319 --> 02:08:05.239 a would you need an attorney, like let's say, bank 2427 02:08:05.319 --> 02:08:06.600 accounts in Costa Rica. 2428 02:08:07.079 --> 02:08:09.039 I mean, we don't even know what they would need. 2429 02:08:09.000 --> 02:08:13.439 Right right, Yeah, it'd be good if she could, if 2430 02:08:13.520 --> 02:08:16.119 she I mean, certainly for banks, it seems like it 2431 02:08:16.159 --> 02:08:18.159 should be possible to talk to somebody and get an 2432 02:08:18.159 --> 02:08:21.199 explanation that what they would need. Real estate is a 2433 02:08:21.239 --> 02:08:25.119 little bit trickier, So I really would urge her to 2434 02:08:25.479 --> 02:08:28.479 consult with an attorney in Mexico familiar with their laws. 2435 02:08:28.640 --> 02:08:30.920 But I think you might be on the right track. 2436 02:08:31.000 --> 02:08:32.000 That is not a bad idea. 2437 02:08:32.079 --> 02:08:33.520 But when you got to spread out all of the 2438 02:08:33.560 --> 02:08:35.640 place to kind of centralize them into one spot. I 2439 02:08:35.680 --> 02:08:38.720 don't know if it's Hell Mexico has an LLC or 2440 02:08:40.000 --> 02:08:42.720 if that would be done here or not. It seems 2441 02:08:42.800 --> 02:08:44.960 like she lives there, she's got property there. It seems 2442 02:08:44.960 --> 02:08:46.439 like the planning should originate there. 2443 02:08:48.079 --> 02:08:53.000 Yeah, so they should get an attorney there then, Yeah. 2444 02:08:53.039 --> 02:08:54.840 I would definitely, I would definitely recommend that. 2445 02:08:56.039 --> 02:08:58.239 And the can that attorney then reach into the United 2446 02:08:58.279 --> 02:09:00.399 States for payable on death certificates or what? 2447 02:09:02.560 --> 02:09:05.239 Yes, I mean that is also going to depend on, 2448 02:09:05.439 --> 02:09:09.880 Like with a payable on death the institution that you 2449 02:09:09.960 --> 02:09:12.520 know has that, they probably have some sort of agreement 2450 02:09:12.560 --> 02:09:16.399 that you're signing by directing those items to wherever you're 2451 02:09:16.439 --> 02:09:18.000 directing it to, you just want to make sure that 2452 02:09:18.159 --> 02:09:18.600 they are. 2453 02:09:19.000 --> 02:09:24.159 Hey, I have an idea special procedures, Darryl, Yes, sir, 2454 02:09:25.880 --> 02:09:27.720 what about how old is she now? 2455 02:09:30.479 --> 02:09:31.920 A agree? 2456 02:09:33.520 --> 02:09:36.199 Is she in good health? Is she in good health? 2457 02:09:36.319 --> 02:09:36.760 Good health? 2458 02:09:36.920 --> 02:09:37.079 Yes? 2459 02:09:38.119 --> 02:09:41.520 Yeah, she might And Dan, this might be a silly idea, 2460 02:09:42.079 --> 02:09:45.399 but maybe she might want to consolidate her bank accounts 2461 02:09:45.840 --> 02:09:48.720 all into the US. Maybe that would allow a payable 2462 02:09:48.800 --> 02:09:51.039 on death certificate paid out on her death even though 2463 02:09:51.119 --> 02:09:54.000 she's well, No, she's an American citizen. I mean, then 2464 02:09:54.039 --> 02:09:55.880 you don't have to worry about the Costa Rica thing 2465 02:09:56.039 --> 02:09:58.479 and the Mexican thing. All you'd have to contend with 2466 02:09:58.680 --> 02:09:59.199 is the house. 2467 02:10:00.119 --> 02:10:02.640 Couldn't all the taxes wait wait wait wait wait. 2468 02:10:02.680 --> 02:10:06.239 Couldn't all the tax ramifications be completely different? 2469 02:10:06.520 --> 02:10:12.920 Where they inherit this money? Yes, I guess they could be, Mark, 2470 02:10:14.920 --> 02:10:15.800 I guess they could be. 2471 02:10:18.720 --> 02:10:22.359 I but we know, Mark, that that the United States 2472 02:10:22.399 --> 02:10:25.359 has beneficial the most beneficial laws. 2473 02:10:25.399 --> 02:10:27.199 There is no tax on two million dollars. 2474 02:10:28.000 --> 02:10:31.880 So let's say that she consolidates all her accounts into 2475 02:10:31.920 --> 02:10:33.279 a couple of US accounts. 2476 02:10:34.119 --> 02:10:39.800 What can do better than zero taxes? Well, I don't know, 2477 02:10:39.920 --> 02:10:43.680 because I don't know the laws in other countries, but 2478 02:10:43.800 --> 02:10:44.319 I know there. 2479 02:10:44.279 --> 02:10:46.960 Is But even but what I'm saying, Mark, even if 2480 02:10:46.960 --> 02:10:48.920 they're the same, no one's going to do better than 2481 02:10:49.000 --> 02:10:49.800 zero taxes. 2482 02:10:50.079 --> 02:10:52.319 The government's not going to do anything better. But I'm 2483 02:10:52.359 --> 02:10:54.960 saying in Mexico, I don't know the answer to this. 2484 02:10:55.119 --> 02:10:58.880 In Mexico, if I leave my kid a half a 2485 02:10:58.960 --> 02:11:02.720 million dollar house, is that it they owe no taxes? 2486 02:11:02.880 --> 02:11:03.000 Oh? 2487 02:11:03.079 --> 02:11:03.359 I don't. 2488 02:11:03.399 --> 02:11:05.920 I don't know about the house I was talking about doing. 2489 02:11:06.359 --> 02:11:09.520 Doing the bank accounts in the US with payable on 2490 02:11:09.680 --> 02:11:12.600 death certificates. They're out of the way now now you 2491 02:11:12.680 --> 02:11:15.159 worry about the house. I don't know, Dan, I mean, 2492 02:11:16.279 --> 02:11:18.199 why would they have to keep them in Mexico and 2493 02:11:18.840 --> 02:11:21.079 Costa Rica and and gum up the works. 2494 02:11:25.760 --> 02:11:27.279 What do you think, I mean, if she's in good 2495 02:11:27.319 --> 02:11:29.479 health and she can consolidate things, I don't know what 2496 02:11:29.600 --> 02:11:31.920 the You know that maybe there's some reason that she's 2497 02:11:31.960 --> 02:11:33.960 got the money in the in the Costa Rica accounts, 2498 02:11:34.039 --> 02:11:38.720 but uh, consolidation is always helpful, even with them. 2499 02:11:38.760 --> 02:11:41.439 And then another thing, do you know there's joint ownership 2500 02:11:41.520 --> 02:11:44.840 with right of survivorship that uh, they could do a 2501 02:11:44.920 --> 02:11:49.800 deed right now in Mexico with the LLC, and the 2502 02:11:50.239 --> 02:11:55.119 LLC would automatically inherit it. They they recognize this as 2503 02:11:55.279 --> 02:11:58.560 joint ownership right of survivorship in Mexico. 2504 02:11:59.560 --> 02:12:03.920 Interesting and yup. And then they said also. 2505 02:12:06.680 --> 02:12:11.079 They recognize normal wills as well, that a simple will 2506 02:12:12.199 --> 02:12:16.800 drafted leaving the house to American citizens would be honored. 2507 02:12:19.560 --> 02:12:21.920 Yeah, it's interesting because like here you can't really you 2508 02:12:22.000 --> 02:12:25.039 can't jointly hold something with an enmity because joint ownership 2509 02:12:25.159 --> 02:12:25.960 is about what happens. 2510 02:12:26.279 --> 02:12:27.800 Oh, I didn't No, no, No, that was me that 2511 02:12:28.199 --> 02:12:31.279 they just said joint ownership with right of survivorship. In 2512 02:12:31.399 --> 02:12:34.279 some cases, property can be held jointly with the ownership 2513 02:12:34.319 --> 02:12:37.159 of two parties. Now, now I just threw that in 2514 02:12:37.279 --> 02:12:42.319 the LC, Sir, I did not read that. Okay, it 2515 02:12:42.439 --> 02:12:47.319 could be that it has to be an individual. So 2516 02:12:48.199 --> 02:12:50.279 what would your first step be for them if they 2517 02:12:50.359 --> 02:12:52.079 came to see you or called you? What would the 2518 02:12:52.119 --> 02:12:52.680 first step be? 2519 02:12:53.680 --> 02:12:57.239 I mean I would when I have out of country 2520 02:12:57.439 --> 02:12:59.640 assets that I'm dealing with, I often do try and 2521 02:12:59.720 --> 02:13:05.640 sign someone in that country. The United States has treaties 2522 02:13:05.680 --> 02:13:07.760 with a bunch of different countries on how they're going 2523 02:13:07.800 --> 02:13:13.000 to handle transfers and what's possible with regard to estate 2524 02:13:13.039 --> 02:13:16.560 planned documents. And I don't really know. I'd have to 2525 02:13:16.600 --> 02:13:18.760 think through this one a little bit because it sounds 2526 02:13:18.800 --> 02:13:20.960 like there's a few different, few different countries involved. 2527 02:13:21.000 --> 02:13:23.600 Actually, so yeah, but Darryl. 2528 02:13:23.399 --> 02:13:26.880 I don't think you'd ever have a problem unless there's 2529 02:13:26.920 --> 02:13:29.439 a reason she is in Costa Rica or something. But 2530 02:13:29.640 --> 02:13:32.720 I think the first step is to simplify things and 2531 02:13:32.840 --> 02:13:35.279 get as much into the US and cash as possible 2532 02:13:35.359 --> 02:13:38.439 in a bank account, because payble on death certificates are 2533 02:13:38.479 --> 02:13:39.560 honored by everyone. 2534 02:13:40.199 --> 02:13:42.880 Yeah, it's that whole Costa Rica thing that makes you 2535 02:13:43.279 --> 02:13:48.000 start thinking, yeah, yeah, like why In other words, Daryl, 2536 02:13:48.039 --> 02:13:49.520 do you know why she had money there? 2537 02:13:50.640 --> 02:13:54.640 The accounts in Costa Rica or CBS, they've got another 2538 02:13:54.960 --> 02:13:59.920 three years to mature. And then my wife was heard 2539 02:14:01.239 --> 02:14:03.840 is a beneficiary on those those accounts. 2540 02:14:05.680 --> 02:14:08.359 Well, okay, then that's not going to go to the 2541 02:14:08.520 --> 02:14:11.079 estate if it keeps that eye or you wait for 2542 02:14:11.159 --> 02:14:13.199 two years and transfer it out to the United States, 2543 02:14:13.279 --> 02:14:15.600 looks at it again, you're gonna have to see an attorney. 2544 02:14:15.640 --> 02:14:17.840 I would start with Dan McKenzie eight three three co 2545 02:14:18.159 --> 02:14:22.079 plans eight three three co plans or co plans dot co. 2546 02:14:22.439 --> 02:14:23.640 We got more coming right up.