WEBVTT

1
00:00:00.600 --> 00:00:09.240
<v Speaker 1>Yeah, ripped of need.

2
00:00:09.519 --> 00:00:10.800
<v Speaker 2>That's so you don't have to.

3
00:00:12.839 --> 00:00:13.599
<v Speaker 1>Come running.

4
00:00:13.839 --> 00:00:15.199
<v Speaker 3>Just as fast as we can.

5
00:00:16.039 --> 00:00:18.039
<v Speaker 1>Shooter's gonna help.

6
00:00:18.079 --> 00:00:22.160
<v Speaker 4>Come Man Dix is the Troubleshooter Show.

7
00:00:22.760 --> 00:00:27.679
<v Speaker 2>No, Tom Martino, Hey Tom Martino here, welcome to the show.

8
00:00:28.320 --> 00:00:31.399
<v Speaker 2>You know the drill. We help people. We solve problems,

9
00:00:31.480 --> 00:00:36.200
<v Speaker 2>answer questions, take complaints, and make life just a little easier.

10
00:00:36.200 --> 00:00:38.159
<v Speaker 2>All you have to do is call three oh three Martino.

11
00:00:38.280 --> 00:00:41.200
<v Speaker 2>You can call twenty four to seven, get in line.

12
00:00:41.240 --> 00:00:43.640
<v Speaker 2>We'll get you on the air, or you can call

13
00:00:44.119 --> 00:00:47.359
<v Speaker 2>our iHeart number when we're in the studio three oh

14
00:00:47.399 --> 00:00:52.039
<v Speaker 2>three seven one three talk seven one three eight two

15
00:00:52.079 --> 00:00:56.679
<v Speaker 2>five five and let me bring in our studio and

16
00:00:56.840 --> 00:01:01.119
<v Speaker 2>say hi to Marky Mark, Hey, Brouh's up? Hey? And

17
00:01:01.159 --> 00:01:02.799
<v Speaker 2>who's that? I see the back of the head.

18
00:01:03.000 --> 00:01:05.319
<v Speaker 5>That is the sheep counter Scott.

19
00:01:05.920 --> 00:01:09.799
<v Speaker 2>Oh, Deputy Dollar, it's good. We see the back of

20
00:01:09.840 --> 00:01:12.280
<v Speaker 2>your head there, Dollar. Thank you. Now I can move

21
00:01:12.319 --> 00:01:16.000
<v Speaker 2>my picture over so we can get the whole picture.

22
00:01:16.040 --> 00:01:19.280
<v Speaker 2>By the way, what's on your mind today? How can

23
00:01:19.319 --> 00:01:23.439
<v Speaker 2>we help you? That's what we ask each and every day.

24
00:01:23.920 --> 00:01:27.439
<v Speaker 2>So if you can, if you can give us a call,

25
00:01:27.560 --> 00:01:30.439
<v Speaker 2>we will try to solve your problems, and I do

26
00:01:30.519 --> 00:01:34.519
<v Speaker 2>want to recap some very important problems that we have

27
00:01:34.680 --> 00:01:38.040
<v Speaker 2>going on right now. But first I'm going to take

28
00:01:38.079 --> 00:01:42.719
<v Speaker 2>some calls, and we also have an expert, Brad O'Brien

29
00:01:42.799 --> 00:01:45.680
<v Speaker 2>to answer. So we're going to bring Ron up from yesterday,

30
00:01:46.640 --> 00:01:51.359
<v Speaker 2>and I just I'm not I'm not sure what we

31
00:01:51.480 --> 00:01:54.239
<v Speaker 2>can do about this, but I wanted to ask Brad's opinion.

32
00:01:54.920 --> 00:01:55.799
<v Speaker 2>So let's bring.

33
00:01:55.799 --> 00:01:57.599
<v Speaker 5>Up, well, the main question.

34
00:01:57.719 --> 00:02:00.560
<v Speaker 4>If I we call Tom, yes, sir, I hear a

35
00:02:00.599 --> 00:02:01.920
<v Speaker 4>weird echo on your side.

36
00:02:01.959 --> 00:02:04.200
<v Speaker 2>By the way, I'm gonna I'm gonna do away with that.

37
00:02:04.239 --> 00:02:04.640
<v Speaker 2>Go ahead.

38
00:02:04.719 --> 00:02:09.719
<v Speaker 4>But anyhow, the landlord, according to the caller, Ron is

39
00:02:09.800 --> 00:02:14.400
<v Speaker 4>adding extra money on his rent every single month, and

40
00:02:14.520 --> 00:02:16.599
<v Speaker 4>I don't think that's legal to do anymore.

41
00:02:16.879 --> 00:02:20.840
<v Speaker 2>Yeah, we're gonna we're gonna talk about that, Okay, So Ron,

42
00:02:22.319 --> 00:02:25.120
<v Speaker 2>I'll bring Ron up and bring Brad up together, and

43
00:02:25.159 --> 00:02:29.199
<v Speaker 2>then let's just talk about this in general. What's going

44
00:02:29.280 --> 00:02:34.840
<v Speaker 2>on Brad is that he had a leak in a

45
00:02:34.919 --> 00:02:38.479
<v Speaker 2>ceiling and it was due to a heat exchange up there.

46
00:02:39.000 --> 00:02:43.680
<v Speaker 2>Now keep in mind, this is infrastructure, right, So the heater,

47
00:02:44.240 --> 00:02:47.000
<v Speaker 2>the heat exchange in the ceiling is fed by his

48
00:02:47.039 --> 00:02:52.000
<v Speaker 2>water heater, so it provides heat to each each apartment.

49
00:02:52.680 --> 00:02:59.000
<v Speaker 2>When our HVAC expert went out there, our HVAC experts

50
00:02:59.120 --> 00:03:04.800
<v Speaker 2>saw that it was caused by a deteriorated line in

51
00:03:04.840 --> 00:03:11.639
<v Speaker 2>that heat exchanger, and so basically they fixed it. Now

52
00:03:11.680 --> 00:03:16.599
<v Speaker 2>they're charging him for damages, and he said, well, it's

53
00:03:16.639 --> 00:03:21.520
<v Speaker 2>not my fault, and our experts said, there's no way

54
00:03:21.639 --> 00:03:25.039
<v Speaker 2>it was his fault, no way that this thing deteriorated

55
00:03:25.159 --> 00:03:27.639
<v Speaker 2>in the ceiling and he had nothing to do with it,

56
00:03:28.039 --> 00:03:33.319
<v Speaker 2>they claimed, because he had done something with the controls

57
00:03:33.400 --> 00:03:35.599
<v Speaker 2>ron What did they say that you turned on your

58
00:03:36.080 --> 00:03:39.479
<v Speaker 2>you turned on your air, or you turned on your

59
00:03:39.479 --> 00:03:42.639
<v Speaker 2>heat or something that caused it to overwork. What did

60
00:03:42.639 --> 00:03:44.360
<v Speaker 2>they say? They said, you froze it up.

61
00:03:46.039 --> 00:03:48.840
<v Speaker 6>Yeah, they said, I put the thermostet on sixty seven

62
00:03:49.400 --> 00:03:51.360
<v Speaker 6>and it froze the pipe up.

63
00:03:51.599 --> 00:03:53.479
<v Speaker 2>Because you were trying to make it too cool.

64
00:03:54.840 --> 00:03:57.599
<v Speaker 6>Yeah, and it was ninety degrees that day. I believe

65
00:03:57.800 --> 00:03:59.240
<v Speaker 6>I don't know what they're talking.

66
00:03:59.000 --> 00:04:04.919
<v Speaker 2>About, right. So basically, our guy said, there's no way

67
00:04:04.960 --> 00:04:08.240
<v Speaker 2>it would have caused the thing to do that. Just

68
00:04:08.439 --> 00:04:12.960
<v Speaker 2>never so because he did not pay the damages. Brad O'Brien,

69
00:04:13.280 --> 00:04:17.759
<v Speaker 2>our real estate expert attorney. They said, we're just adding

70
00:04:17.759 --> 00:04:20.680
<v Speaker 2>it to your rent, and if he doesn't pay it,

71
00:04:20.759 --> 00:04:24.240
<v Speaker 2>they're evicting him. What do you think about that?

72
00:04:25.360 --> 00:04:28.040
<v Speaker 7>Well, I don't think he acted unreasonably by turning thur

73
00:04:28.160 --> 00:04:30.759
<v Speaker 7>much after sixty seven. Nobody knows that that's going to

74
00:04:30.800 --> 00:04:33.680
<v Speaker 7>cause a problem. You know, if you leave your house

75
00:04:33.759 --> 00:04:35.639
<v Speaker 7>in January and you turn off GAC while you go

76
00:04:35.639 --> 00:04:38.319
<v Speaker 7>on vacation, that's okay that you know that's going to cause.

77
00:04:38.279 --> 00:04:40.199
<v Speaker 2>Mum, pub do you mean if you call if you

78
00:04:40.240 --> 00:04:41.879
<v Speaker 2>could turn off the heat in January?

79
00:04:41.920 --> 00:04:43.519
<v Speaker 7>Right, right right, turn out the heat and you leave

80
00:04:43.800 --> 00:04:47.040
<v Speaker 7>for a week, Okay, that's obvious. Something like that, it's

81
00:04:47.079 --> 00:04:50.199
<v Speaker 7>going to be the tenant liability. But turning yours after

82
00:04:50.199 --> 00:04:53.240
<v Speaker 7>the sixty seven is not acting unreasonably. So I think

83
00:04:53.279 --> 00:04:54.399
<v Speaker 7>it seems like the.

84
00:04:54.160 --> 00:04:55.680
<v Speaker 8>Landlord has improperly added the.

85
00:04:56.279 --> 00:05:00.879
<v Speaker 7>Repair cost on this to the tenant. And you know,

86
00:05:01.279 --> 00:05:02.839
<v Speaker 7>this manned up in a court suit, and I think

87
00:05:02.879 --> 00:05:04.920
<v Speaker 7>the tenant would be in a good position to argue

88
00:05:04.920 --> 00:05:07.600
<v Speaker 7>that they acted reasonably and the landlord has no.

89
00:05:07.600 --> 00:05:10.040
<v Speaker 2>Right to add And even if he didn't act reasonably,

90
00:05:10.199 --> 00:05:14.319
<v Speaker 2>the cause and effect isn't there. Our experts said, there's

91
00:05:14.319 --> 00:05:17.920
<v Speaker 2>no way that using the air conditioner the way he

92
00:05:17.959 --> 00:05:22.600
<v Speaker 2>did would affect the heat exchanger the way it did. So,

93
00:05:23.120 --> 00:05:25.639
<v Speaker 2>but what does he do if he refuses to pay

94
00:05:25.680 --> 00:05:30.319
<v Speaker 2>the expense? He keeps paying his regular rent. Did you say, Ron,

95
00:05:30.360 --> 00:05:32.399
<v Speaker 2>they won't accept your regular rent now?

96
00:05:34.040 --> 00:05:37.839
<v Speaker 6>Yeah, yes, she put a notice to vacate or pay

97
00:05:37.920 --> 00:05:41.959
<v Speaker 6>the full amount by the October tenth.

98
00:05:42.079 --> 00:05:44.240
<v Speaker 2>So what does he do? Brad Well?

99
00:05:44.600 --> 00:05:46.879
<v Speaker 7>Ultimately this will end up in front of an addiction

100
00:05:47.000 --> 00:05:50.199
<v Speaker 7>court judge, and I think he tells his story, and

101
00:05:50.600 --> 00:05:52.600
<v Speaker 7>I think I think a judge of this circumstance would

102
00:05:52.639 --> 00:05:56.199
<v Speaker 7>not grant the eviction and would invalidate this extra money

103
00:05:56.240 --> 00:05:57.480
<v Speaker 7>that they added on to his bill.

104
00:05:57.560 --> 00:06:00.199
<v Speaker 4>Brad Or they allowed to just add extra money to

105
00:06:00.240 --> 00:06:02.759
<v Speaker 4>a bill. Now under rent, Well, it has to come

106
00:06:02.800 --> 00:06:05.279
<v Speaker 4>out of the lease somewhere. It has to see in

107
00:06:05.279 --> 00:06:08.639
<v Speaker 4>the least that something you do is get landlord a

108
00:06:08.680 --> 00:06:12.560
<v Speaker 4>basis for doing this. So property damage, you know.

109
00:06:12.560 --> 00:06:14.000
<v Speaker 7>If you knock a home in the wall, Okay, the

110
00:06:14.079 --> 00:06:16.120
<v Speaker 7>landlord has the right to add that to the.

111
00:06:17.120 --> 00:06:18.480
<v Speaker 5>To the I get you.

112
00:06:18.560 --> 00:06:20.839
<v Speaker 4>I just thought that fees. I didn't think you were

113
00:06:20.879 --> 00:06:22.000
<v Speaker 4>allowed to add fees.

114
00:06:22.079 --> 00:06:25.319
<v Speaker 9>Now, Well, this isn't a fee like a late fee.

115
00:06:25.360 --> 00:06:28.439
<v Speaker 7>This is a property damage based fee.

116
00:06:28.480 --> 00:06:29.600
<v Speaker 5>But I get you.

117
00:06:29.800 --> 00:06:34.040
<v Speaker 7>Yeah, that's not prohibited against this new statute that prohibits

118
00:06:34.079 --> 00:06:36.480
<v Speaker 7>late fees over a certain amount.

119
00:06:37.800 --> 00:06:43.000
<v Speaker 2>Okay. So basically, though, what he's going to have to do, unfortunately,

120
00:06:43.920 --> 00:06:47.839
<v Speaker 2>he's going to have to not pay it, and but

121
00:06:48.839 --> 00:06:49.199
<v Speaker 2>go ahead.

122
00:06:49.199 --> 00:06:51.319
<v Speaker 7>He needs he needs to tender the rent payment every

123
00:06:51.319 --> 00:06:53.920
<v Speaker 7>month and then they need to refuse it, and he needs.

124
00:06:53.680 --> 00:06:54.279
<v Speaker 9>To document that.

125
00:06:54.439 --> 00:06:57.759
<v Speaker 7>Take a video camera or video him trying to pay

126
00:06:57.759 --> 00:07:00.000
<v Speaker 7>the rent and refusing it or something along those lines.

127
00:07:00.160 --> 00:07:00.959
<v Speaker 2>Okay, so he's.

128
00:07:00.839 --> 00:07:02.920
<v Speaker 7>Got proof that he tried to pay, but they are

129
00:07:02.920 --> 00:07:03.879
<v Speaker 7>the ones who refused it.

130
00:07:04.360 --> 00:07:07.079
<v Speaker 2>And then have the rent ready, Ron, the regular rent.

131
00:07:07.199 --> 00:07:09.759
<v Speaker 2>When you go to court for eviction, you tell the

132
00:07:09.839 --> 00:07:13.240
<v Speaker 2>judge here are there three or two payments I wanted

133
00:07:13.279 --> 00:07:17.319
<v Speaker 2>to make they wouldn't take. And then if you want, Brad,

134
00:07:17.360 --> 00:07:21.639
<v Speaker 2>does he bring our HVAC expert with him?

135
00:07:21.839 --> 00:07:25.680
<v Speaker 7>Well, there's a trial, you know, that's when the expert

136
00:07:25.720 --> 00:07:27.480
<v Speaker 7>witness may be important.

137
00:07:27.079 --> 00:07:28.399
<v Speaker 8>To have there to testify.

138
00:07:29.160 --> 00:07:33.920
<v Speaker 2>Okay, maybe even just Ron. So but Ron, you say

139
00:07:34.079 --> 00:07:37.480
<v Speaker 2>that you had an HVAC expert look at it, and

140
00:07:37.519 --> 00:07:41.879
<v Speaker 2>that the expert said this was in the ceiling, and

141
00:07:42.360 --> 00:07:47.680
<v Speaker 2>you had no effect on it. So Ron, you're just

142
00:07:47.720 --> 00:07:49.720
<v Speaker 2>going to have to wait until they evict you, and

143
00:07:49.759 --> 00:07:51.759
<v Speaker 2>then you're going to have your day in court. Make

144
00:07:51.800 --> 00:07:55.319
<v Speaker 2>sure you show up for the initial hearing and just say, look,

145
00:07:55.360 --> 00:07:58.079
<v Speaker 2>I did not cause this damage. I'm willing to pay

146
00:07:58.079 --> 00:08:01.079
<v Speaker 2>my regular rent. They won't accept. That's the way you

147
00:08:01.120 --> 00:08:03.800
<v Speaker 2>do it, and we'll ride along with you on this. Ron.

148
00:08:04.959 --> 00:08:07.759
<v Speaker 2>Remember you don't have counsel at this point. Brad is

149
00:08:07.800 --> 00:08:11.240
<v Speaker 2>just giving his opinion. I'm not suggesting you do have counsel.

150
00:08:11.360 --> 00:08:13.720
<v Speaker 2>Maybe you do the first time around. I don't know

151
00:08:13.800 --> 00:08:16.160
<v Speaker 2>if you need it, but you have to decide that.

152
00:08:16.519 --> 00:08:18.240
<v Speaker 2>You may want to just talk to Brad off the

153
00:08:18.279 --> 00:08:21.600
<v Speaker 2>air if you want. Olslaw dot Com seven two zero

154
00:08:21.680 --> 00:08:25.240
<v Speaker 2>three seven zero seventy three eighty eight. So let us

155
00:08:25.279 --> 00:08:28.639
<v Speaker 2>know how it goes. Good advice. Sean also has a

156
00:08:28.639 --> 00:08:32.679
<v Speaker 2>real estate issued Sean, I believe you were on yesterday

157
00:08:32.720 --> 00:08:36.320
<v Speaker 2>as well, sir? Is that right? What was the issue? Sean?

158
00:08:36.440 --> 00:08:39.960
<v Speaker 2>Let me look up your call? Go ahead, yeah, Hi.

159
00:08:40.360 --> 00:08:43.879
<v Speaker 10>My question was what is the foreclosure timeline in Colorado?

160
00:08:44.120 --> 00:08:46.360
<v Speaker 10>Is it ninety or one hundred and twenty? And does

161
00:08:46.399 --> 00:08:48.679
<v Speaker 10>it determine by bank or loan?

162
00:08:49.639 --> 00:08:51.639
<v Speaker 2>Now what do you mean the timeline?

163
00:08:51.759 --> 00:08:53.840
<v Speaker 11>Tell me what went on before closed on?

164
00:08:54.039 --> 00:08:56.399
<v Speaker 10>If you are ninety days late, can you be foreclosed?

165
00:08:56.480 --> 00:08:58.840
<v Speaker 10>Or is it one hundred and twenty days? O?

166
00:08:58.840 --> 00:09:01.759
<v Speaker 2>Oh, Brad? Is what are an actual statute on when

167
00:09:01.759 --> 00:09:04.480
<v Speaker 2>they can start foreclosure? Oh?

168
00:09:04.519 --> 00:09:08.279
<v Speaker 7>Yes, there's very comprehensive statute setting out all the timelines

169
00:09:08.320 --> 00:09:10.879
<v Speaker 7>of foreclosure. If this is a residence, the first thing

170
00:09:10.919 --> 00:09:13.200
<v Speaker 7>though lender has to do is give a thirty day

171
00:09:13.240 --> 00:09:16.120
<v Speaker 7>pre foreclosure notice an opportunity to here.

172
00:09:16.159 --> 00:09:18.919
<v Speaker 2>Yeah, but after how long? If she misses one payment,

173
00:09:18.960 --> 00:09:20.919
<v Speaker 2>two payment, three payments for what is it?

174
00:09:22.639 --> 00:09:23.639
<v Speaker 7>We can be a day late.

175
00:09:25.600 --> 00:09:29.159
<v Speaker 2>Another way, so there's no waiting period.

176
00:09:31.320 --> 00:09:34.120
<v Speaker 5>How long do they have once they give the notice.

177
00:09:33.840 --> 00:09:34.320
<v Speaker 12>Of the fall?

178
00:09:35.080 --> 00:09:37.559
<v Speaker 7>Actually, I'd have to look this one up, doctor. When

179
00:09:37.559 --> 00:09:40.759
<v Speaker 7>you send that thirty day notice, that actually might have

180
00:09:40.799 --> 00:09:43.159
<v Speaker 7>to come after they're late by a certain amount of time.

181
00:09:43.200 --> 00:09:44.639
<v Speaker 7>I actually look that one up.

182
00:09:44.759 --> 00:09:47.039
<v Speaker 2>Okay, let's look that up and come back to it.

183
00:09:47.320 --> 00:09:49.679
<v Speaker 2>I'm Tom Martinez. Three h three seven one three talks

184
00:09:49.720 --> 00:09:51.960
<v Speaker 2>seven one three eight two five five. Before we go

185
00:09:52.000 --> 00:09:55.279
<v Speaker 2>to break, I want to introduce our guest today, Joe Keiano.

186
00:09:56.279 --> 00:09:56.840
<v Speaker 13>He is.

187
00:09:57.159 --> 00:09:59.240
<v Speaker 2>Let me get him on camera here there, you go. Joe,

188
00:10:00.080 --> 00:10:05.240
<v Speaker 2>you're a certified financial planner and as such you talk

189
00:10:05.320 --> 00:10:10.360
<v Speaker 2>about financial plans for families and individuals. One thing that

190
00:10:10.440 --> 00:10:14.159
<v Speaker 2>you are really high on right now are guaranteed investments

191
00:10:14.679 --> 00:10:18.440
<v Speaker 2>like the pension for life. If people accumulate money and

192
00:10:18.480 --> 00:10:21.799
<v Speaker 2>want to move it over to a pension from a

193
00:10:21.799 --> 00:10:23.639
<v Speaker 2>four oh one k an old four oh one k,

194
00:10:23.840 --> 00:10:28.440
<v Speaker 2>maybe an IRA whatever, when should they do it, Joe?

195
00:10:28.639 --> 00:10:31.759
<v Speaker 2>Should they do it when they are older, when they're

196
00:10:31.799 --> 00:10:33.759
<v Speaker 2>in their middle age? When should they do it? When

197
00:10:33.799 --> 00:10:36.320
<v Speaker 2>they get the money? Tell us about that.

198
00:10:36.720 --> 00:10:38.480
<v Speaker 14>You know, Tom, you know when they get the money.

199
00:10:39.039 --> 00:10:41.840
<v Speaker 14>And also age, you know, has.

200
00:10:41.679 --> 00:10:42.759
<v Speaker 12>To play a part on it.

201
00:10:43.080 --> 00:10:43.240
<v Speaker 2>You know.

202
00:10:43.279 --> 00:10:46.960
<v Speaker 14>When somebody's young, they can afford to gamble into stock market.

203
00:10:47.240 --> 00:10:51.240
<v Speaker 14>When somebody gets a little bit older and gets nearing retirement,

204
00:10:51.759 --> 00:10:55.039
<v Speaker 14>that's when they need to start thinking about being conservative.

205
00:10:55.559 --> 00:10:58.159
<v Speaker 14>They got to put their money someplace that is safe,

206
00:10:58.519 --> 00:11:01.360
<v Speaker 14>that is not to grow without the danger of the

207
00:11:01.399 --> 00:11:06.360
<v Speaker 14>stock market tumbling down, and they get guarantees. And that's

208
00:11:06.360 --> 00:11:10.519
<v Speaker 14>what people want today nearing retirement and at retirement, they

209
00:11:10.559 --> 00:11:13.240
<v Speaker 14>want to have guarantees that they're going to have an

210
00:11:13.279 --> 00:11:16.440
<v Speaker 14>income stream coming in for the rest of their lives

211
00:11:16.679 --> 00:11:18.960
<v Speaker 14>that they're not going to be able to outlive. And

212
00:11:19.000 --> 00:11:20.480
<v Speaker 14>that's exactly what we do.

213
00:11:20.600 --> 00:11:20.879
<v Speaker 2>Tom.

214
00:11:20.919 --> 00:11:25.159
<v Speaker 14>We specialize in the guaranteed Pension account, which is an

215
00:11:25.200 --> 00:11:29.759
<v Speaker 14>annuity that is very unique. It gives a bonus and

216
00:11:30.159 --> 00:11:36.000
<v Speaker 14>guarantees safety and growth without any danger at all of

217
00:11:36.080 --> 00:11:40.639
<v Speaker 14>loosening their principle, their gains, or any accumulation.

218
00:11:40.480 --> 00:11:41.360
<v Speaker 12>From their account.

219
00:11:41.720 --> 00:11:43.240
<v Speaker 2>All right, and we have more coming up on the

220
00:11:43.240 --> 00:11:46.480
<v Speaker 2>Troubleshooter Show. I'm Tom Martine and that Joe will give

221
00:11:46.559 --> 00:11:50.720
<v Speaker 2>contact information and he'll be our guests today. Go with

222
00:11:50.799 --> 00:11:54.360
<v Speaker 2>a sure thing Denver's Best roofer Excel Roofing dot com.

223
00:11:54.399 --> 00:12:00.279
<v Speaker 2>You don't pay a cent until you're content. For an

224
00:12:00.279 --> 00:12:03.919
<v Speaker 2>insurance check up free, no obligation. In comparison, call Compass

225
00:12:03.960 --> 00:12:07.240
<v Speaker 2>Insurance paying too much your coverage at dozens of insurance

226
00:12:07.240 --> 00:12:10.360
<v Speaker 2>companies find out now three all three seven seven one help.

227
00:12:10.519 --> 00:12:13.159
<v Speaker 2>You'll think you're his only customer when you choose Frank

228
00:12:13.240 --> 00:12:15.679
<v Speaker 2>durand the Real estate Man dot com to list your

229
00:12:15.720 --> 00:12:18.879
<v Speaker 2>home with Remax Alliance three all three nine two zero

230
00:12:18.960 --> 00:12:30.919
<v Speaker 2>sixteen twenty two. Hi Tom Martino, your Troubleshooter three oh

231
00:12:30.960 --> 00:12:34.519
<v Speaker 2>three seven one three talk three oh three seven one

232
00:12:34.639 --> 00:12:41.279
<v Speaker 2>three eight two five five, So I think we did.

233
00:12:41.279 --> 00:12:44.200
<v Speaker 2>We Yeah, we took Sean and we took everyone with

234
00:12:44.279 --> 00:12:46.559
<v Speaker 2>Brad O'Brien. Do we have any oh? Wait, Keith has

235
00:12:46.600 --> 00:12:49.080
<v Speaker 2>a comment on evictions. Brad O'Brien was going to look

236
00:12:49.159 --> 00:12:54.639
<v Speaker 2>up when they how long they have to foreclose? In

237
00:12:54.679 --> 00:12:58.840
<v Speaker 2>other words, how many days or weeks or months do

238
00:12:58.879 --> 00:13:01.799
<v Speaker 2>you have to be behind? Brad? What did you find?

239
00:13:02.440 --> 00:13:02.639
<v Speaker 15>Tom?

240
00:13:02.679 --> 00:13:05.480
<v Speaker 7>There's basically a sixty day waiting period on a home

241
00:13:05.679 --> 00:13:06.720
<v Speaker 7>mortgage foreclosure.

242
00:13:07.080 --> 00:13:10.080
<v Speaker 2>Does that mean two payments missed or sixty days wait

243
00:13:10.159 --> 00:13:11.000
<v Speaker 2>for one payment?

244
00:13:11.679 --> 00:13:14.320
<v Speaker 7>Well, it can be based on one payment missed, and

245
00:13:14.360 --> 00:13:16.759
<v Speaker 7>it's because the lender has to send a thirty day

246
00:13:17.240 --> 00:13:19.960
<v Speaker 7>notice of a pre foreclosure notice to the homeowner, but

247
00:13:20.000 --> 00:13:22.679
<v Speaker 7>they cannot send that letter until there's a default of

248
00:13:22.919 --> 00:13:23.840
<v Speaker 7>thirty days or more.

249
00:13:24.000 --> 00:13:25.440
<v Speaker 12>So that is okay, sixty.

250
00:13:25.240 --> 00:13:29.759
<v Speaker 2>Days So Sean, basically, when you miss a payment, it's

251
00:13:29.759 --> 00:13:31.919
<v Speaker 2>got to be thirty days late. Then they send you

252
00:13:31.960 --> 00:13:34.879
<v Speaker 2>a thirty day notice. So in effect, there's sixty days.

253
00:13:35.039 --> 00:13:39.200
<v Speaker 4>Yeah, but don't you then once the foreclosure starts, don't

254
00:13:39.240 --> 00:13:42.879
<v Speaker 4>you have like one hundred plus days to cure it?

255
00:13:43.039 --> 00:13:49.480
<v Speaker 2>Yes? Now, now there's Brad. There used to be what

256
00:13:49.679 --> 00:13:53.039
<v Speaker 2>was called a redemption period. Didn't they do away with

257
00:13:53.120 --> 00:13:54.240
<v Speaker 2>a redemption period?

258
00:13:54.960 --> 00:13:58.039
<v Speaker 7>Right? There's no longer any post foreclosure right of redemption for.

259
00:13:58.039 --> 00:14:01.159
<v Speaker 2>Them, But beforehand you can for the borrower.

260
00:14:00.879 --> 00:14:03.519
<v Speaker 7>Yes, resold for the foreclosure, there's a right of cure.

261
00:14:05.600 --> 00:14:10.120
<v Speaker 4>Okay, So if she hasn't actually, if they haven't actually

262
00:14:10.159 --> 00:14:15.120
<v Speaker 4>started foreclosure or sent that notice, at minimum, she's going

263
00:14:15.200 --> 00:14:18.399
<v Speaker 4>to have thirty days plus one hundred and ten days

264
00:14:18.440 --> 00:14:19.240
<v Speaker 4>to curate.

265
00:14:20.720 --> 00:14:23.559
<v Speaker 7>Right that the right of cure ends fifteen days before

266
00:14:23.600 --> 00:14:24.240
<v Speaker 7>the sale?

267
00:14:25.480 --> 00:14:25.840
<v Speaker 2>Okay?

268
00:14:25.879 --> 00:14:27.519
<v Speaker 5>Does that answer your question, Sean?

269
00:14:28.600 --> 00:14:29.039
<v Speaker 16>It does?

270
00:14:29.120 --> 00:14:31.639
<v Speaker 10>And also if I can just add, I submitted a

271
00:14:31.639 --> 00:14:35.120
<v Speaker 10>loss mitigation package on date eighty and there was a

272
00:14:35.159 --> 00:14:38.679
<v Speaker 10>statement of there's dual tracking. Is this helpful to help

273
00:14:39.120 --> 00:14:41.799
<v Speaker 10>support getting a little more time to get caught up?

274
00:14:42.000 --> 00:14:44.960
<v Speaker 2>What are you talking about a loss mitigation statement? What

275
00:14:45.120 --> 00:14:46.320
<v Speaker 2>is that like?

276
00:14:46.360 --> 00:14:48.799
<v Speaker 10>For instance, I was really sick, I had medical bills,

277
00:14:48.840 --> 00:14:51.600
<v Speaker 10>So with that I submit a like a foreclosure or

278
00:14:51.639 --> 00:14:53.120
<v Speaker 10>a lot of mitigation package.

279
00:14:53.159 --> 00:14:54.360
<v Speaker 2>Is there a such thing as that?

280
00:14:54.799 --> 00:14:57.399
<v Speaker 4>Well, it sounds like that's with her lenders. She's trying

281
00:14:57.399 --> 00:15:01.279
<v Speaker 4>to get special treatment from the lender. The times ages BS.

282
00:15:01.440 --> 00:15:05.200
<v Speaker 2>Yes, Brad, is do they have to give you special

283
00:15:05.279 --> 00:15:09.759
<v Speaker 2>circumstances or have you ever heard of a loss mitigation statement?

284
00:15:11.200 --> 00:15:14.200
<v Speaker 7>Yeah, that's an attempt to work things out. But this

285
00:15:14.399 --> 00:15:16.960
<v Speaker 7>anti dual this dual tracking refers to a statute the

286
00:15:17.039 --> 00:15:22.600
<v Speaker 7>prohibits dual tracking. Dual tracking is pursuing a foreclosure while

287
00:15:22.639 --> 00:15:32.639
<v Speaker 7>at the same time the lender has granted a loan modification. Okay, application,

288
00:15:32.879 --> 00:15:34.519
<v Speaker 7>and that's in the works, but that has to be

289
00:15:34.559 --> 00:15:36.120
<v Speaker 7>in writing that modification.

290
00:15:36.240 --> 00:15:42.480
<v Speaker 4>So basically it's it's like asking for a forbearance agreement basically, right.

291
00:15:42.720 --> 00:15:45.600
<v Speaker 7>But them sending the lender sending out this loss mitigation

292
00:15:45.679 --> 00:15:49.200
<v Speaker 7>package is not sufficient enough to prohibit dual tracking.

293
00:15:49.759 --> 00:15:50.960
<v Speaker 9>If not, it has to be.

294
00:15:51.000 --> 00:15:54.159
<v Speaker 7>Signed and sealed. As far as this formerance.

295
00:15:54.679 --> 00:15:57.440
<v Speaker 4>At a curiosity, how much equity do you have in

296
00:15:57.480 --> 00:16:00.360
<v Speaker 4>the house, I'm.

297
00:16:00.240 --> 00:16:02.879
<v Speaker 10>Going to say it maybe sixty thousand.

298
00:16:03.120 --> 00:16:05.879
<v Speaker 4>I wonder how she could tap into that to get

299
00:16:05.879 --> 00:16:09.320
<v Speaker 4>this thing out of this uh at a bad shape.

300
00:16:09.360 --> 00:16:14.960
<v Speaker 2>You know, how many payments behind are you? Sean yesterday?

301
00:16:15.679 --> 00:16:17.879
<v Speaker 10>Let's see, I am right at the ninety day?

302
00:16:18.600 --> 00:16:21.000
<v Speaker 2>No, how many payments have you missed?

303
00:16:21.720 --> 00:16:23.399
<v Speaker 10>Oh, I'm sorry three months.

304
00:16:23.159 --> 00:16:25.720
<v Speaker 5>Which which equals what six grand? Ten grand?

305
00:16:25.759 --> 00:16:27.840
<v Speaker 2>What that is?

306
00:16:28.000 --> 00:16:28.879
<v Speaker 10>Sixth grand?

307
00:16:29.159 --> 00:16:31.840
<v Speaker 2>Okay, how do you propose to make up the sixth grand?

308
00:16:33.679 --> 00:16:34.480
<v Speaker 10>Are you talking to me?

309
00:16:34.799 --> 00:16:36.159
<v Speaker 2>Yes, I'm talking to you, Sean.

310
00:16:37.039 --> 00:16:37.399
<v Speaker 9>Yeah.

311
00:16:37.519 --> 00:16:41.200
<v Speaker 10>Yeah, I took a second job and just join everything

312
00:16:41.240 --> 00:16:42.039
<v Speaker 10>I can to get.

313
00:16:41.840 --> 00:16:44.039
<v Speaker 2>Caught back up. So when is your next payment?

314
00:16:44.080 --> 00:16:48.000
<v Speaker 10>Do today?

315
00:16:48.080 --> 00:16:50.200
<v Speaker 2>So this will be the fourth month? October?

316
00:16:51.080 --> 00:16:51.440
<v Speaker 10>Yes?

317
00:16:51.960 --> 00:16:54.360
<v Speaker 2>Okay? So do you have today's payment?

318
00:16:55.240 --> 00:16:55.600
<v Speaker 10>No?

319
00:16:56.000 --> 00:16:58.240
<v Speaker 2>Will you have November first payment?

320
00:16:59.159 --> 00:16:59.480
<v Speaker 10>Yes?

321
00:17:00.080 --> 00:17:01.759
<v Speaker 2>And when will you make up the others?

322
00:17:03.440 --> 00:17:05.440
<v Speaker 10>I don't know right now, Sean.

323
00:17:05.680 --> 00:17:08.839
<v Speaker 2>Here here's the deal. You're going to have to have

324
00:17:09.000 --> 00:17:11.200
<v Speaker 2>a better plan than I don't know. You're going to

325
00:17:11.279 --> 00:17:14.039
<v Speaker 2>have to have a You said you submitted something. What

326
00:17:14.079 --> 00:17:17.640
<v Speaker 2>did you submit? I don't know? Or what what was

327
00:17:17.680 --> 00:17:18.720
<v Speaker 2>in your in your plan?

328
00:17:20.000 --> 00:17:22.839
<v Speaker 10>They basically asked, what was the cause of you, you know,

329
00:17:22.880 --> 00:17:27.599
<v Speaker 10>not making payments? I submit that answer and quote lost

330
00:17:27.680 --> 00:17:32.079
<v Speaker 10>mitigation package. They say they review it and if they agreed,

331
00:17:32.160 --> 00:17:35.759
<v Speaker 10>then they work with you on either putting those payments

332
00:17:35.799 --> 00:17:37.920
<v Speaker 10>on the back of the loan or allowing you time.

333
00:17:38.039 --> 00:17:44.279
<v Speaker 2>Okay, okay, okay, okay, a modification agreement. So if they

334
00:17:44.319 --> 00:17:47.240
<v Speaker 2>do a modification, they put it at the end usually

335
00:17:47.799 --> 00:17:50.680
<v Speaker 2>or they have some kind of side action going. But

336
00:17:50.920 --> 00:17:52.720
<v Speaker 2>you haven't heard from them on that right.

337
00:17:54.440 --> 00:17:58.359
<v Speaker 10>They basically stated that they receive a loss mitigation package

338
00:17:58.839 --> 00:18:02.519
<v Speaker 10>and they have intele Octom fifteen to either agree or disagree,

339
00:18:02.799 --> 00:18:06.039
<v Speaker 10>and then I potentially have to come up with everything

340
00:18:07.039 --> 00:18:08.880
<v Speaker 10>by that time if they don't.

341
00:18:08.680 --> 00:18:12.359
<v Speaker 2>Agree, and you might, okay, you're gonna have If I

342
00:18:12.400 --> 00:18:17.279
<v Speaker 2>were you, I wouldn't wait. I would have an alternative plan. Hey, Donald, Yes,

343
00:18:17.599 --> 00:18:21.839
<v Speaker 2>can she qualify for a helock a he lock? Not?

344
00:18:21.920 --> 00:18:23.359
<v Speaker 2>With being ninety days late?

345
00:18:23.440 --> 00:18:24.799
<v Speaker 5>She's oh, I had no income.

346
00:18:25.000 --> 00:18:26.960
<v Speaker 2>Well, actually she's going to be more than ninety days.

347
00:18:27.000 --> 00:18:28.519
<v Speaker 2>She's gonna be one hundred and twenty days late.

348
00:18:28.559 --> 00:18:30.119
<v Speaker 5>Yeah, and that's going to be on her credit. She

349
00:18:30.160 --> 00:18:31.200
<v Speaker 5>already torched it.

350
00:18:31.359 --> 00:18:32.759
<v Speaker 2>What is your income per year?

351
00:18:34.440 --> 00:18:35.759
<v Speaker 10>About forty five thousand.

352
00:18:36.400 --> 00:18:38.759
<v Speaker 5>She's never going to qualify, But you're even a hard

353
00:18:38.839 --> 00:18:40.599
<v Speaker 5>Is you any loan? There's not enough equity?

354
00:18:40.920 --> 00:18:45.480
<v Speaker 2>What is your total what is your total equity? Not equity?

355
00:18:45.559 --> 00:18:45.839
<v Speaker 17>Sorry?

356
00:18:45.839 --> 00:18:51.000
<v Speaker 2>Your total loan to sixty seven to sixty seven? You know,

357
00:18:51.079 --> 00:18:53.440
<v Speaker 2>you might want to call Frank Ran the real estate man,

358
00:18:53.559 --> 00:18:57.559
<v Speaker 2>and I'll tell you why. He can help you possibly

359
00:18:57.680 --> 00:18:59.960
<v Speaker 2>sell it. Now. You probably don't want to sell it,

360
00:19:00.079 --> 00:19:02.160
<v Speaker 2>but it's better than being foreclosed on.

361
00:19:03.880 --> 00:19:05.559
<v Speaker 10>Yeah, it's an option for sure.

362
00:19:06.319 --> 00:19:09.279
<v Speaker 2>I mean he's helped a lot of people. What he

363
00:19:09.400 --> 00:19:12.839
<v Speaker 2>does when he steps in, he contacts the lender, he

364
00:19:13.559 --> 00:19:17.440
<v Speaker 2>puts off a foreclosure many times because they trust him,

365
00:19:17.680 --> 00:19:20.160
<v Speaker 2>and then he goes out and sells it and then

366
00:19:20.200 --> 00:19:25.759
<v Speaker 2>you at least salvage some equity that Let me give

367
00:19:25.799 --> 00:19:28.640
<v Speaker 2>you his number. I'm serious, you call him because he

368
00:19:28.680 --> 00:19:31.599
<v Speaker 2>has done this a lot for people. Now in this

369
00:19:31.680 --> 00:19:35.319
<v Speaker 2>economy or recently he hasn't, but back in the recession

370
00:19:35.359 --> 00:19:39.920
<v Speaker 2>of my god, he's been doing it. Frank Duran homes

371
00:19:40.000 --> 00:19:43.519
<v Speaker 2>dot com or Frank Duran the real estate man dot com.

372
00:19:43.559 --> 00:19:47.319
<v Speaker 2>But here's his number, three oh three, nine to zero

373
00:19:48.039 --> 00:19:52.400
<v Speaker 2>sixteen twenty two. He will tell you also what he

374
00:19:52.440 --> 00:19:55.039
<v Speaker 2>thinks it will sell for. It might sell for more

375
00:19:55.079 --> 00:19:58.759
<v Speaker 2>than you think. And I'm just saying, Sean, that might

376
00:19:58.799 --> 00:20:02.599
<v Speaker 2>not be optimum, but it's sure better than losing everything.

377
00:20:02.799 --> 00:20:05.359
<v Speaker 2>Another question, real quick, how long have you been in

378
00:20:05.400 --> 00:20:09.759
<v Speaker 2>the home for years? Oh my god, So you don't

379
00:20:09.799 --> 00:20:12.359
<v Speaker 2>relish the idea of leaving at all. I'm sure.

380
00:20:13.599 --> 00:20:17.920
<v Speaker 10>I'm not stuck in one particular thing. It's a lot

381
00:20:17.920 --> 00:20:18.839
<v Speaker 10>of memories, for sure.

382
00:20:19.039 --> 00:20:20.279
<v Speaker 2>But also.

383
00:20:21.599 --> 00:20:26.079
<v Speaker 10>I realized that might have to take certain options.

384
00:20:25.559 --> 00:20:28.960
<v Speaker 2>You know, please call him and Brad O'Brien, thank you

385
00:20:29.039 --> 00:20:31.640
<v Speaker 2>very much for being here again. For real estate issues,

386
00:20:31.680 --> 00:20:34.400
<v Speaker 2>we use Brad all the time, and he can really

387
00:20:34.440 --> 00:20:37.799
<v Speaker 2>help with landlords, of course if they're facing squatters or

388
00:20:38.039 --> 00:20:41.799
<v Speaker 2>evictions and stuff. I wonder if he wants to hang

389
00:20:41.839 --> 00:20:45.039
<v Speaker 2>on for Keith's well, probably not. It doesn't matter. We're

390
00:20:45.079 --> 00:20:47.319
<v Speaker 2>gonna take Keith after the break, and we're going to

391
00:20:47.359 --> 00:20:50.079
<v Speaker 2>take Ivan about a car warranty issue and then an

392
00:20:50.079 --> 00:20:53.240
<v Speaker 2>issue with the United States Postal Service three oh three

393
00:20:53.720 --> 00:21:02.079
<v Speaker 2>seven one three eight two five five. Go with a

394
00:21:02.160 --> 00:21:05.720
<v Speaker 2>sure thing Denver's Best roofer Excel Roofing dot com. You

395
00:21:05.720 --> 00:21:11.519
<v Speaker 2>don't pay a cent until you're content. Time for an

396
00:21:11.519 --> 00:21:15.759
<v Speaker 2>insurance check up free, no obligation comparison call Compass Insurance

397
00:21:15.920 --> 00:21:18.920
<v Speaker 2>paying too much your coverage at dozens of insurance companies

398
00:21:19.000 --> 00:21:21.039
<v Speaker 2>find out now three oh three seven to seven to

399
00:21:21.079 --> 00:21:23.839
<v Speaker 2>one help. You'll think you're his only customer when you

400
00:21:23.920 --> 00:21:26.359
<v Speaker 2>choose Frank durand the real estate Man dot com to

401
00:21:26.440 --> 00:21:29.680
<v Speaker 2>list your home with Remax Alliance three oh three nine

402
00:21:29.680 --> 00:21:36.039
<v Speaker 2>two zero sixteen twenty two. I'm Tom Martino, your troubleshooter

403
00:21:36.119 --> 00:21:38.519
<v Speaker 2>three oh three seven one three talks seven one three, eight,

404
00:21:38.519 --> 00:21:43.920
<v Speaker 2>two five five Keith, what is your comment on evictions, sir?

405
00:21:44.039 --> 00:21:45.039
<v Speaker 2>What is your comment?

406
00:21:46.319 --> 00:21:49.519
<v Speaker 18>Well, regarding that caller that called in about the you know,

407
00:21:49.559 --> 00:21:53.039
<v Speaker 18>the the ruining the cooler because he said it to

408
00:21:53.079 --> 00:21:57.480
<v Speaker 18>sixty seven, it's my guess is that because of the

409
00:21:57.559 --> 00:22:01.200
<v Speaker 18>new law, you have to you can't you can't end

410
00:22:01.200 --> 00:22:03.839
<v Speaker 18>somebody lease anymore. You have to evict them for cause,

411
00:22:04.519 --> 00:22:06.960
<v Speaker 18>which means they probably don't want them there, and they're

412
00:22:07.000 --> 00:22:10.559
<v Speaker 18>coming up with something because sixty seven degrees is outrageous,

413
00:22:11.720 --> 00:22:16.480
<v Speaker 18>you know, to hold him accountable for ruining the cooling system.

414
00:22:16.200 --> 00:22:19.480
<v Speaker 2>By saying, well, first, let's let's remember this, Okay, let's

415
00:22:19.640 --> 00:22:23.920
<v Speaker 2>listen to this. He did not that that what froze

416
00:22:23.960 --> 00:22:27.680
<v Speaker 2>up was the heat exchanger, just so you know, yeah,

417
00:22:28.480 --> 00:22:30.960
<v Speaker 2>I mean what what not? A froze up? What leaked

418
00:22:31.200 --> 00:22:33.720
<v Speaker 2>was that? And I don't know how the air conditioner

419
00:22:33.839 --> 00:22:38.319
<v Speaker 2>side can affect the heat exchanger side, but even if

420
00:22:38.319 --> 00:22:41.839
<v Speaker 2>it did, I mean, setting your air conditioner on sixty seven,

421
00:22:41.880 --> 00:22:45.440
<v Speaker 2>as our attorney said, is not unreasonable exactly.

422
00:22:45.519 --> 00:22:47.240
<v Speaker 18>That's what makes me think that they just want to

423
00:22:47.240 --> 00:22:48.640
<v Speaker 18>get rid of them, and they're trying to come up

424
00:22:48.680 --> 00:22:51.640
<v Speaker 18>with an excuse that would give them cause to eviction.

425
00:22:52.480 --> 00:22:55.079
<v Speaker 2>All right, thank you, Keith, appreciate the comment. Now go

426
00:22:55.160 --> 00:22:57.680
<v Speaker 2>to Rocky and we do have lines open at three

427
00:22:57.720 --> 00:23:00.319
<v Speaker 2>zho three seven to one to three talk, or you

428
00:23:00.319 --> 00:23:02.799
<v Speaker 2>can go to three oh three Martino three oh three

429
00:23:02.920 --> 00:23:05.920
<v Speaker 2>six two seven eight four sixty six. Rocky, what's going

430
00:23:05.960 --> 00:23:08.839
<v Speaker 2>on with the United States Postal Service?

431
00:23:08.880 --> 00:23:09.079
<v Speaker 19>Sir?

432
00:23:09.680 --> 00:23:11.799
<v Speaker 8>Well, I'm trying to get my mail delivered.

433
00:23:12.359 --> 00:23:15.279
<v Speaker 2>Oh well, if that's not what they do, they just

434
00:23:15.839 --> 00:23:16.559
<v Speaker 2>not just kidding.

435
00:23:16.759 --> 00:23:18.680
<v Speaker 8>I never have a problem with They tell me they do,

436
00:23:18.799 --> 00:23:19.599
<v Speaker 8>but they don't.

437
00:23:19.720 --> 00:23:20.720
<v Speaker 2>Tell me what's going on.

438
00:23:21.559 --> 00:23:24.680
<v Speaker 20>Well, we live in Greeley. We run both a business

439
00:23:24.680 --> 00:23:27.799
<v Speaker 20>and we live here. Yeah, we have a mountain property

440
00:23:27.799 --> 00:23:32.000
<v Speaker 20>outside of Fort Collins, which we've had for over thirty

441
00:23:32.039 --> 00:23:35.079
<v Speaker 20>five years. Yeah, it's been in the family for a

442
00:23:35.079 --> 00:23:37.039
<v Speaker 20>long time. We've gotten mail up there.

443
00:23:38.240 --> 00:23:40.279
<v Speaker 2>Did it just stop all of a sudden or has

444
00:23:40.319 --> 00:23:43.359
<v Speaker 2>it been intermittent? Rocky? How has it been?

445
00:23:42.920 --> 00:23:44.720
<v Speaker 8>It's been somewhat intermittent.

446
00:23:44.799 --> 00:23:49.680
<v Speaker 20>But what happened was a year ago or so. We

447
00:23:49.720 --> 00:23:52.400
<v Speaker 20>don't We had ordered something from Amazon, and you know,

448
00:23:52.440 --> 00:23:54.240
<v Speaker 20>when you order from Amazon, you don't always know how

449
00:23:54.240 --> 00:23:57.200
<v Speaker 20>it's gonna come. Sometimes Amazon delivers it. Sometimes it's mail,

450
00:23:57.599 --> 00:24:00.240
<v Speaker 20>you're right, Yeah, so we ordered something.

451
00:24:00.079 --> 00:24:07.200
<v Speaker 2>And sometimes it's a Federal Express, and sometimes it's ups yeah, yeah, yeah, exactly.

452
00:24:06.759 --> 00:24:09.160
<v Speaker 20>So we don't know. So why I ordered something from Amazon.

453
00:24:09.920 --> 00:24:12.599
<v Speaker 20>It showed up through the mail, and then I get

454
00:24:12.640 --> 00:24:14.839
<v Speaker 20>a letter in the box there when I'm picked it

455
00:24:14.920 --> 00:24:17.480
<v Speaker 20>up from our carrier coming us. A couple of things.

456
00:24:17.559 --> 00:24:20.039
<v Speaker 20>Number One, she's saying we haven't gotten mail in two years,

457
00:24:20.440 --> 00:24:24.000
<v Speaker 20>which wasn't true, and by all right, she should just

458
00:24:24.079 --> 00:24:26.039
<v Speaker 20>returned it upon arrival, but she was going to do

459
00:24:26.039 --> 00:24:27.680
<v Speaker 20>me a favor this time and leave it there.

460
00:24:28.319 --> 00:24:31.200
<v Speaker 2>What does she mean? Wait? Wait, wait, wait, she meant

461
00:24:31.200 --> 00:24:35.680
<v Speaker 2>that you haven't gotten mail, or or she's delivered mail

462
00:24:35.720 --> 00:24:37.119
<v Speaker 2>but you haven't picked it up.

463
00:24:38.000 --> 00:24:40.640
<v Speaker 20>She No, she said, we have not received mail there,

464
00:24:40.680 --> 00:24:44.599
<v Speaker 20>and once we've done two years, they're no longer obligated

465
00:24:44.599 --> 00:24:46.720
<v Speaker 20>to deliver to us, which is number one. I don't

466
00:24:46.759 --> 00:24:47.440
<v Speaker 20>think that's true.

467
00:24:47.519 --> 00:24:49.599
<v Speaker 8>Number two, we do get mail, it's intermittent.

468
00:24:50.079 --> 00:24:52.519
<v Speaker 20>We have a couple of trusts up there. I have

469
00:24:52.599 --> 00:24:55.480
<v Speaker 20>a vehicle registered there. I cleaned that to her and

470
00:24:55.519 --> 00:24:58.039
<v Speaker 20>she threw a fit because she said, you can't register

471
00:24:58.119 --> 00:24:58.400
<v Speaker 20>that there.

472
00:24:59.039 --> 00:25:01.000
<v Speaker 2>First of all, she's not a cop, and she's not

473
00:25:01.079 --> 00:25:03.599
<v Speaker 2>a lawyer. She should shut up. But may I ask

474
00:25:03.640 --> 00:25:08.000
<v Speaker 2>you this, Let me ask you this you have. Is

475
00:25:08.039 --> 00:25:10.119
<v Speaker 2>it a cabin? Is it a mountain home?

476
00:25:10.160 --> 00:25:12.839
<v Speaker 8>What is it? Well, it's a cap well we call

477
00:25:12.880 --> 00:25:15.559
<v Speaker 8>it a cabin. It's a mountain home. I mean's three bedrooms, bath.

478
00:25:15.680 --> 00:25:18.599
<v Speaker 2>So it's a vacation a mountain vacation home is.

479
00:25:18.640 --> 00:25:19.519
<v Speaker 20>A vacation home.

480
00:25:19.839 --> 00:25:23.039
<v Speaker 2>And you don't get and you don't get much mail there.

481
00:25:23.359 --> 00:25:26.599
<v Speaker 2>So as a result, as a result, she said she's

482
00:25:26.640 --> 00:25:27.319
<v Speaker 2>going to stop.

483
00:25:28.200 --> 00:25:30.359
<v Speaker 20>She did. But so keep in mind.

484
00:25:30.359 --> 00:25:32.319
<v Speaker 8>Now we're in a literary called tuter Citty.

485
00:25:32.480 --> 00:25:35.920
<v Speaker 20>There's about twenty homes there. There's only one full time resident.

486
00:25:36.640 --> 00:25:38.680
<v Speaker 20>Everybody else there is still getting mailed.

487
00:25:39.200 --> 00:25:42.000
<v Speaker 2>So after I yeah, but maybe they get well yeah,

488
00:25:42.039 --> 00:25:46.119
<v Speaker 2>but listen, she's saying. The issue is that if you

489
00:25:46.279 --> 00:25:50.200
<v Speaker 2>don't get mail, then they don't consider it an active address.

490
00:25:50.319 --> 00:25:51.319
<v Speaker 2>That's what she's saying.

491
00:25:52.279 --> 00:25:52.799
<v Speaker 17>That's true.

492
00:25:53.039 --> 00:25:55.839
<v Speaker 8>But it's in one of those row boxes that I bought.

493
00:25:55.880 --> 00:25:57.799
<v Speaker 20>It's my box, and all.

494
00:25:57.680 --> 00:25:59.200
<v Speaker 8>They got to do is put it in there. It's

495
00:25:59.240 --> 00:26:02.359
<v Speaker 8>not a big deal. But if of the other eighteen

496
00:26:02.440 --> 00:26:04.960
<v Speaker 8>people in that area, they're all just like us, have

497
00:26:05.400 --> 00:26:07.319
<v Speaker 8>helms on the front range.

498
00:26:07.160 --> 00:26:09.880
<v Speaker 20>And they're getting mail there. So when they got mad

499
00:26:09.920 --> 00:26:11.240
<v Speaker 20>about it, then they fell back.

500
00:26:11.279 --> 00:26:13.640
<v Speaker 2>Wa wait wait, wait, but are those neighbors they get

501
00:26:13.680 --> 00:26:17.279
<v Speaker 2>mail there? Do they have spotty deliveries other times too?

502
00:26:17.359 --> 00:26:19.119
<v Speaker 2>Are they do? They get not much mail?

503
00:26:20.200 --> 00:26:20.880
<v Speaker 17>Just like us?

504
00:26:21.440 --> 00:26:24.599
<v Speaker 20>Just like us, they're mostly weekender people. We go up

505
00:26:24.640 --> 00:26:28.640
<v Speaker 20>for a week or two sometimes in the summer, different times.

506
00:26:29.319 --> 00:26:32.160
<v Speaker 20>So now they've fallen back, and they told me that

507
00:26:32.200 --> 00:26:36.440
<v Speaker 20>it is illegal, quote illegal to have two residential addresses

508
00:26:36.440 --> 00:26:38.319
<v Speaker 20>in the United States, which is ridiculous.

509
00:26:40.079 --> 00:26:42.960
<v Speaker 2>What are you talking about? It's illegal to have two

510
00:26:43.039 --> 00:26:44.440
<v Speaker 2>residential What does that mean?

511
00:26:44.519 --> 00:26:45.119
<v Speaker 20>You don't know what.

512
00:26:45.000 --> 00:26:46.440
<v Speaker 8>They're talking It's ridiculous.

513
00:26:46.480 --> 00:26:49.880
<v Speaker 20>I agree, I don't know. So I challenged them on it.

514
00:26:50.039 --> 00:26:51.759
<v Speaker 20>I talked to the big post office. I talked to

515
00:26:51.799 --> 00:26:54.279
<v Speaker 20>our post office and greely who thought it was ridiculous.

516
00:26:54.440 --> 00:26:55.880
<v Speaker 20>They said, we deliver mail, that's what we do.

517
00:26:56.039 --> 00:26:57.279
<v Speaker 8>This is this is ridiculous.

518
00:26:57.319 --> 00:27:01.400
<v Speaker 2>Wait wait wait, now, who literally, Rocky. I'm sorry if

519
00:27:01.440 --> 00:27:04.160
<v Speaker 2>I'm gonna call BS on this call, but who actually

520
00:27:04.200 --> 00:27:08.240
<v Speaker 2>said to you, Rocky. I know you're frustrated, and I

521
00:27:08.359 --> 00:27:11.680
<v Speaker 2>know you heard something that might sound like that, But

522
00:27:12.039 --> 00:27:19.359
<v Speaker 2>who actually said you're not allowed to have two residential addresses.

523
00:27:19.400 --> 00:27:20.200
<v Speaker 2>Who told you that?

524
00:27:21.160 --> 00:27:23.640
<v Speaker 8>The postmaster in Bellevue, Colorado.

525
00:27:23.839 --> 00:27:26.839
<v Speaker 2>Then we're gonna call him. No enough said, I want

526
00:27:26.880 --> 00:27:29.920
<v Speaker 2>you to call him Bellevue, Colorado Depity. I'm gonna have

527
00:27:29.920 --> 00:27:34.559
<v Speaker 2>Deputy D called Bellevue, Colorado. The postmaster told you, do

528
00:27:34.599 --> 00:27:37.319
<v Speaker 2>you mind giving your I'm gonna, Rocky, I'm gonna have

529
00:27:37.759 --> 00:27:39.640
<v Speaker 2>D call you off the air. Get your last name.

530
00:27:39.799 --> 00:27:42.160
<v Speaker 2>I'm going to verify that before we go on. Okay,

531
00:27:42.319 --> 00:27:45.240
<v Speaker 2>because that is a premise I cannot accept. If that

532
00:27:45.640 --> 00:27:48.160
<v Speaker 2>postmaster told you that, I want him to tell us

533
00:27:48.359 --> 00:27:51.680
<v Speaker 2>that you're not allowed to have two residences. There are

534
00:27:51.759 --> 00:27:54.599
<v Speaker 2>people that have two houses all over. I have two

535
00:27:54.640 --> 00:27:56.400
<v Speaker 2>houses and I get mail at both of them.

536
00:27:56.559 --> 00:27:59.519
<v Speaker 4>Maybe they mean only one primary and then you can

537
00:27:59.559 --> 00:27:59.960
<v Speaker 4>have money.

538
00:28:00.119 --> 00:28:02.519
<v Speaker 2>But but what difference would that? How about the US

539
00:28:02.519 --> 00:28:05.319
<v Speaker 2>post Office? No mark right that would think you would know?

540
00:28:05.599 --> 00:28:05.759
<v Speaker 10>You know?

541
00:28:05.920 --> 00:28:10.599
<v Speaker 2>Of course they wouldn't. It's ridiculous. It's absolutely ridiculous. Okay,

542
00:28:10.880 --> 00:28:15.160
<v Speaker 2>So so hold on, Kachina, get this information. A Deputy D.

543
00:28:15.279 --> 00:28:17.920
<v Speaker 2>I want him to call Bellevue post Office. Talk to

544
00:28:17.960 --> 00:28:20.880
<v Speaker 2>the postmaster. Do you recall his name? Rocky?

545
00:28:21.720 --> 00:28:23.839
<v Speaker 20>Well, but I want to tell you. She told me.

546
00:28:23.920 --> 00:28:25.720
<v Speaker 20>She read me a thing. She said, I was going

547
00:28:25.759 --> 00:28:27.279
<v Speaker 20>to take me a while to look it up. She

548
00:28:27.319 --> 00:28:29.240
<v Speaker 20>took two weeks. She called back and read this thing

549
00:28:29.279 --> 00:28:29.799
<v Speaker 20>that says we.

550
00:28:29.759 --> 00:28:32.519
<v Speaker 8>Can't have two addresses. I asked her a copy of it.

551
00:28:32.799 --> 00:28:33.599
<v Speaker 20>She said that is.

552
00:28:33.640 --> 00:28:35.119
<v Speaker 8>Internal information and we're not.

553
00:28:35.079 --> 00:28:37.960
<v Speaker 20>Allowed to disseminate that which is full. She read me

554
00:28:38.039 --> 00:28:39.720
<v Speaker 20>something and she doesn't want to give me a copy

555
00:28:39.759 --> 00:28:39.960
<v Speaker 20>of it her.

556
00:28:40.039 --> 00:28:43.279
<v Speaker 2>So hold on. If she told you you're not allowed

557
00:28:43.319 --> 00:28:46.640
<v Speaker 2>to have two residential addresses in the United States, I

558
00:28:46.680 --> 00:28:49.400
<v Speaker 2>want her to tell us that. I want, I want.

559
00:28:49.519 --> 00:28:51.680
<v Speaker 2>I want to do that because I think you're exaggerating,

560
00:28:51.720 --> 00:28:53.640
<v Speaker 2>Tim to get our attention. I'm sorry, that's what I

561
00:28:53.640 --> 00:28:56.079
<v Speaker 2>think you're doing, and I will help you without you,

562
00:28:56.599 --> 00:28:59.559
<v Speaker 2>I mean, Rocky, without you exaggerating will help you. But

563
00:28:59.559 --> 00:29:02.079
<v Speaker 2>but here's the deal. I also want to find out

564
00:29:02.079 --> 00:29:05.920
<v Speaker 2>about that that that claim that if you get sparse

565
00:29:05.960 --> 00:29:09.599
<v Speaker 2>mail delivery, they're allowed to call it inactive and not

566
00:29:09.720 --> 00:29:12.440
<v Speaker 2>deliver mail anymore. That's what she's saying as well. So

567
00:29:12.519 --> 00:29:15.759
<v Speaker 2>hold on and we'll come back to you, I promise. Meanwhile,

568
00:29:15.839 --> 00:29:18.880
<v Speaker 2>Joe Canno, we got a question for you. Is there

569
00:29:18.920 --> 00:29:21.240
<v Speaker 2>a minimum somebody wants to know with a four oh

570
00:29:21.240 --> 00:29:23.720
<v Speaker 2>one k or an IRA. First of all, I want

571
00:29:23.759 --> 00:29:26.839
<v Speaker 2>to explain something when Joe says, to draw money out

572
00:29:26.880 --> 00:29:29.759
<v Speaker 2>of a four oh one k an I RA or

573
00:29:29.759 --> 00:29:33.799
<v Speaker 2>a retirement count that is invested in the stock market

574
00:29:33.920 --> 00:29:38.279
<v Speaker 2>or sitting idle because you left an employer, you have

575
00:29:38.400 --> 00:29:42.839
<v Speaker 2>to have what's called in your plan the authority to

576
00:29:42.920 --> 00:29:50.160
<v Speaker 2>take an in service distribution, or you must close the plan.

577
00:29:50.640 --> 00:29:54.240
<v Speaker 2>So if you're still working and you've accumulated a lot

578
00:29:54.240 --> 00:29:58.039
<v Speaker 2>of money and you want to start an annuity, you

579
00:29:58.240 --> 00:30:01.319
<v Speaker 2>have to have an option and in your plan, and

580
00:30:01.359 --> 00:30:04.359
<v Speaker 2>only the plan writer puts it in there what's called

581
00:30:04.480 --> 00:30:08.400
<v Speaker 2>in service distribution, which allows you to take money out

582
00:30:08.440 --> 00:30:12.119
<v Speaker 2>in lump sums and put them into iras which can

583
00:30:12.160 --> 00:30:15.000
<v Speaker 2>then go into an annuity. If you do not have

584
00:30:15.200 --> 00:30:20.279
<v Speaker 2>in service distributions, you have to close the plan, and

585
00:30:20.359 --> 00:30:23.000
<v Speaker 2>that may not be recommended, but there are plenty of

586
00:30:23.039 --> 00:30:27.759
<v Speaker 2>people with orphan plans they're no longer active, and for

587
00:30:27.839 --> 00:30:32.200
<v Speaker 2>those you don't need an in service distribution. Having said

588
00:30:32.200 --> 00:30:35.240
<v Speaker 2>all of that, the question to on the floor right

589
00:30:35.279 --> 00:30:39.799
<v Speaker 2>now for Joe Cano, a certified financial planner, is this,

590
00:30:40.599 --> 00:30:43.920
<v Speaker 2>is there a minimum amount to start an annuity, Joe.

591
00:30:44.200 --> 00:30:46.880
<v Speaker 14>It is you know, don't with our company, it takes

592
00:30:46.880 --> 00:30:51.480
<v Speaker 14>ten thousand dollars minimum to begin the annuity, only ten

593
00:30:51.559 --> 00:30:54.319
<v Speaker 14>thousand dollars. Hey, Can I say something real quickly about

594
00:30:54.319 --> 00:30:57.440
<v Speaker 14>the in service distribution that you were talking about? Yes, now,

595
00:30:57.559 --> 00:31:00.839
<v Speaker 14>when people are over fifty nine and a half, I

596
00:31:00.880 --> 00:31:04.039
<v Speaker 14>would say that over ninety percent of employers if they're

597
00:31:04.079 --> 00:31:06.680
<v Speaker 14>still working for the same if the employees working with

598
00:31:06.720 --> 00:31:10.839
<v Speaker 14>the same company, they can have the service distribution. The

599
00:31:10.960 --> 00:31:13.079
<v Speaker 14>key is that they have to be over at the

600
00:31:13.079 --> 00:31:14.799
<v Speaker 14>age of fifty nine and a half.

601
00:31:16.680 --> 00:31:20.039
<v Speaker 2>Okay, yeah, but for that, if you're over fifty nine

602
00:31:20.079 --> 00:31:22.000
<v Speaker 2>and a half, you don't need an in service dis

603
00:31:22.079 --> 00:31:25.000
<v Speaker 2>That's right, that's right. Thank you for that clarification. You've

604
00:31:25.000 --> 00:31:27.839
<v Speaker 2>bet my money my way dot com three oh three

605
00:31:28.000 --> 00:31:35.720
<v Speaker 2>seven seventy nine sixty six hundred go with a sure

606
00:31:35.799 --> 00:31:39.240
<v Speaker 2>thing Denver's best roofer Excel roofing dot com. You don't

607
00:31:39.240 --> 00:31:45.279
<v Speaker 2>pay a cent until you're content. Time for an insurance

608
00:31:45.359 --> 00:31:49.480
<v Speaker 2>checkup free, no obligation. In comparison, call Compass insurance paying

609
00:31:49.519 --> 00:31:52.559
<v Speaker 2>too much your coverage at dozens of insurance companies find

610
00:31:52.559 --> 00:31:54.920
<v Speaker 2>out now three oh three seven seven to one help.

611
00:31:55.079 --> 00:31:57.720
<v Speaker 2>You'll think you're his only customer when you choose Frank

612
00:31:57.799 --> 00:32:00.279
<v Speaker 2>durand the real estate man dot com to listen your

613
00:32:00.279 --> 00:32:03.400
<v Speaker 2>home with Remax Alliance three all three nine two zero

614
00:32:03.559 --> 00:32:13.279
<v Speaker 2>sixteen twenty two. Hi Tom Martino here three all three

615
00:32:13.480 --> 00:32:16.079
<v Speaker 2>seven one to three talk. I want to know if

616
00:32:16.079 --> 00:32:18.960
<v Speaker 2>this improves anything. I'm going to turn off that something

617
00:32:19.000 --> 00:32:21.839
<v Speaker 2>here and just see if it helped. Right there, let

618
00:32:21.880 --> 00:32:25.319
<v Speaker 2>me know, especially you pain in the ass. And that

619
00:32:25.559 --> 00:32:29.119
<v Speaker 2>is a hutch on YouTube By the way, people, I'm

620
00:32:29.160 --> 00:32:31.599
<v Speaker 2>sorry if you're not on YouTube and streaming because you're

621
00:32:31.599 --> 00:32:35.319
<v Speaker 2>missing half of the show. But hey, Cyrus is on

622
00:32:35.519 --> 00:32:38.720
<v Speaker 2>and wants to talk about an air conditioning problem. Hi Cyrus,

623
00:32:39.240 --> 00:32:41.599
<v Speaker 2>what's happening with you? What's going on?

624
00:32:41.720 --> 00:32:45.559
<v Speaker 21>Cyrus to youto, sir, I appreciate that very much. I

625
00:32:45.720 --> 00:32:49.839
<v Speaker 21>have this quill is sitting outside of my house and

626
00:32:50.039 --> 00:32:54.319
<v Speaker 21>it hasn't been cleaned with the last what six seven

627
00:32:54.400 --> 00:32:55.359
<v Speaker 21>years or something like that.

628
00:32:55.440 --> 00:32:58.559
<v Speaker 2>Wait wait, wait, what's what's sitting outside your house?

629
00:32:59.359 --> 00:33:03.599
<v Speaker 21>It will that attached to my head counditioning that is

630
00:33:03.640 --> 00:33:04.640
<v Speaker 21>based on us.

631
00:33:04.640 --> 00:33:10.079
<v Speaker 2>Oh you mean like a grill like you're talking about

632
00:33:10.119 --> 00:33:12.599
<v Speaker 2>like the condenser.

633
00:33:13.039 --> 00:33:17.839
<v Speaker 21>Yeah, commenser, Yes, okay, is sitting outside right.

634
00:33:17.559 --> 00:33:20.440
<v Speaker 2>And it hasn't been cleaned. Where are you located, Cyrus?

635
00:33:20.759 --> 00:33:24.640
<v Speaker 21>I am in West Winster them have you ever?

636
00:33:24.839 --> 00:33:27.079
<v Speaker 2>You know? For thirty nine bucks Man, you can get

637
00:33:27.079 --> 00:33:29.519
<v Speaker 2>that sucker clean like there's no tomorrow.

638
00:33:30.480 --> 00:33:32.640
<v Speaker 16>Yes, I do, I do, I do.

639
00:33:32.799 --> 00:33:34.759
<v Speaker 21>I'm culling to that till the nine dollars.

640
00:33:34.880 --> 00:33:37.519
<v Speaker 2>Yes, now the thirty nine. Let me make this clear.

641
00:33:38.000 --> 00:33:42.319
<v Speaker 2>The thirty nine dollars special the extreme clean. It's thirty

642
00:33:42.400 --> 00:33:46.599
<v Speaker 2>nine for the AC system because that has a whole

643
00:33:46.680 --> 00:33:50.039
<v Speaker 2>system to itself. They do share some common components with

644
00:33:50.079 --> 00:33:53.039
<v Speaker 2>the furnace, but it's thirty nine dollars for just the

645
00:33:53.039 --> 00:33:56.039
<v Speaker 2>furnace and thirty nine dollars for just the AC so

646
00:33:56.400 --> 00:33:58.599
<v Speaker 2>you can have them both done. I think they'll probably

647
00:33:58.599 --> 00:34:01.759
<v Speaker 2>give you a deal. In fact, you know, I'll ask

648
00:34:01.799 --> 00:34:04.240
<v Speaker 2>George if it'll give you a deal. But here's the thing,

649
00:34:04.920 --> 00:34:08.000
<v Speaker 2>no matter what, even if you paid thirty nine for each,

650
00:34:08.199 --> 00:34:10.719
<v Speaker 2>it's well worth it. I swear to you. They spend

651
00:34:10.960 --> 00:34:13.159
<v Speaker 2>an hour and a half to two hours doing this thing,

652
00:34:13.679 --> 00:34:14.880
<v Speaker 2>and it's really cute.

653
00:34:14.960 --> 00:34:16.360
<v Speaker 16>Come yeah, I trust you.

654
00:34:17.679 --> 00:34:19.159
<v Speaker 2>How old is your system?

655
00:34:20.280 --> 00:34:20.440
<v Speaker 10>Oh?

656
00:34:22.599 --> 00:34:24.320
<v Speaker 21>I would say twenty nine years old?

657
00:34:24.599 --> 00:34:27.320
<v Speaker 2>Okay, Cyrus. I'm going to give you a warning on something,

658
00:34:27.880 --> 00:34:31.039
<v Speaker 2>and it's not just about fix it, it's about any

659
00:34:31.159 --> 00:34:34.039
<v Speaker 2>company in the world. And Mark will back me up

660
00:34:34.119 --> 00:34:35.800
<v Speaker 2>on it. Let me bring up, let me you know.

661
00:34:36.039 --> 00:34:38.440
<v Speaker 2>I actually we're we're we're leaving right now, so hold on.

662
00:34:38.719 --> 00:34:40.760
<v Speaker 2>We're going to come back to you then. Mark, we're

663
00:34:40.760 --> 00:34:42.719
<v Speaker 2>going to talk about some of the dangers when you

664
00:34:42.719 --> 00:34:45.599
<v Speaker 2>have an older system and most any other company, they're

665
00:34:45.639 --> 00:34:47.480
<v Speaker 2>going to recommend a new one, and I'm going to

666
00:34:47.559 --> 00:34:49.599
<v Speaker 2>tell you what to do about that. Coming up, Okay,

667
00:34:50.159 --> 00:34:52.639
<v Speaker 2>I'm Tom Martino. More to come on the Troubleshooter Show.

668
00:34:52.679 --> 00:34:55.559
<v Speaker 2>Get your calls in three oh three Martino three oh

669
00:34:55.599 --> 00:35:04.880
<v Speaker 2>three six two seven eight four six ' six Go

670
00:35:05.000 --> 00:35:08.719
<v Speaker 2>with a sure thing Denver's best roofer Excel Roofing dot com.

671
00:35:08.760 --> 00:35:14.519
<v Speaker 2>You don't pay a cent until you're content. Time for

672
00:35:14.519 --> 00:35:18.320
<v Speaker 2>an insurance check up free no obligation comparison call Compass

673
00:35:18.320 --> 00:35:21.599
<v Speaker 2>Insurance paying too much your coverage at dozens of insurance

674
00:35:21.639 --> 00:35:24.760
<v Speaker 2>companies find out now three oh three seven seven one help.

675
00:35:24.920 --> 00:35:27.559
<v Speaker 2>You'll think you're his only customer when you choose Frank

676
00:35:27.599 --> 00:35:30.039
<v Speaker 2>durand the real estate Man dot com to list your

677
00:35:30.079 --> 00:35:33.199
<v Speaker 2>home with Remax Alliance three oh three nine two zero

678
00:35:33.360 --> 00:35:34.320
<v Speaker 2>sixteen twenty two.

679
00:35:40.199 --> 00:35:48.039
<v Speaker 1>Ritter you you need advice so you don't have Come

680
00:35:48.159 --> 00:35:52.760
<v Speaker 1>runs as fast as a can. No Shooter's gonna help.

681
00:35:53.000 --> 00:35:57.079
<v Speaker 5>Come six is the Troubleshooter Show.

682
00:35:57.719 --> 00:36:03.480
<v Speaker 2>No Don Martinez, Hi, Tom Martino here, welcome to the show.

683
00:36:03.800 --> 00:36:06.480
<v Speaker 2>Let me bring in my compadres in the studio. You

684
00:36:06.519 --> 00:36:09.880
<v Speaker 2>see Mark back there with the goatee that's very very long,

685
00:36:09.960 --> 00:36:12.519
<v Speaker 2>looks like a mountain man. And then then we have

686
00:36:12.679 --> 00:36:17.000
<v Speaker 2>a certified financial planner, Screenwright, and then the back of

687
00:36:17.039 --> 00:36:21.159
<v Speaker 2>the head, thank god, is Deputy Dollar. If you're tuning

688
00:36:21.199 --> 00:36:23.920
<v Speaker 2>in to YouTube, and by the way, if you're on radio,

689
00:36:23.960 --> 00:36:26.800
<v Speaker 2>great because that's where most of our audiences, the YouTube

690
00:36:26.840 --> 00:36:31.159
<v Speaker 2>morons just entertain us and seriously get your calls in

691
00:36:31.199 --> 00:36:36.000
<v Speaker 2>to get help, information and referrals, because that's what we

692
00:36:36.039 --> 00:36:39.559
<v Speaker 2>do here. And on a serious note, we have had

693
00:36:39.599 --> 00:36:43.719
<v Speaker 2>some really major major things this week. Mark, can you

694
00:36:43.840 --> 00:36:47.480
<v Speaker 2>recap because you took over yesterday after I had to

695
00:36:47.480 --> 00:36:50.639
<v Speaker 2>take off, and so I want to recap this problem.

696
00:36:50.719 --> 00:36:53.840
<v Speaker 2>A guy said that he bought a car and it

697
00:36:53.920 --> 00:36:57.519
<v Speaker 2>had major damage. It was a Subaru eighteen thousand miles

698
00:36:57.559 --> 00:37:01.440
<v Speaker 2>on it. He bought an extended warrant. The rear end

699
00:37:01.480 --> 00:37:10.079
<v Speaker 2>gave out. He took it to Shomp and Schamp fixed

700
00:37:10.119 --> 00:37:14.320
<v Speaker 2>it and did not charge him. And then he said,

701
00:37:15.320 --> 00:37:18.119
<v Speaker 2>and it went out again, and he took it to

702
00:37:18.239 --> 00:37:24.280
<v Speaker 2>Schamp and they saw major, major damage. And he wants

703
00:37:24.360 --> 00:37:26.679
<v Speaker 2>his money back or something, or he wants the dealer

704
00:37:26.719 --> 00:37:27.280
<v Speaker 2>to fix it.

705
00:37:27.440 --> 00:37:31.079
<v Speaker 4>I think his wife did something to the car.

706
00:37:31.800 --> 00:37:36.559
<v Speaker 2>Really, Yeah, why because there were two videos?

707
00:37:36.639 --> 00:37:37.960
<v Speaker 5>Right, yeah, there's two videos.

708
00:37:37.960 --> 00:37:40.480
<v Speaker 4>So the first one there's no problem, and then a

709
00:37:40.519 --> 00:37:45.199
<v Speaker 4>week later there's problems. I mean that there's broken things underneath.

710
00:37:45.239 --> 00:37:48.719
<v Speaker 4>Somebody hit something. He claims it's not him. The only

711
00:37:48.760 --> 00:37:51.079
<v Speaker 4>other person that I think it could be is his wife.

712
00:37:51.400 --> 00:37:54.079
<v Speaker 4>He doesn't think his wife would lie, although I didn't

713
00:37:54.079 --> 00:37:56.920
<v Speaker 4>think Suzanne would lie to me. And I guess it's

714
00:37:56.960 --> 00:38:01.079
<v Speaker 4>not technically lying if you don't say anything, right, it's

715
00:38:01.119 --> 00:38:05.440
<v Speaker 4>withholding information. So I think his wife is withholding information.

716
00:38:05.639 --> 00:38:09.280
<v Speaker 2>What did the video show that he had two videos?

717
00:38:09.320 --> 00:38:12.440
<v Speaker 2>In fact, the dealer Booth Motors is the one that

718
00:38:12.519 --> 00:38:15.920
<v Speaker 2>told us about this. They said, look, this was not like.

719
00:38:15.880 --> 00:38:18.760
<v Speaker 4>The videos over to Kevin Calkin to analyze so before

720
00:38:18.760 --> 00:38:21.800
<v Speaker 4>and after, and Kevin was like, there is no way.

721
00:38:22.079 --> 00:38:24.519
<v Speaker 5>This car was not in an accident or.

722
00:38:24.559 --> 00:38:27.960
<v Speaker 4>Run over something or someone did damage to it in

723
00:38:28.000 --> 00:38:30.920
<v Speaker 4>that week's time period. And Booth Motors Nick Booth. I

724
00:38:30.920 --> 00:38:33.320
<v Speaker 4>think it was Nick. He's a stand up guy. I

725
00:38:33.320 --> 00:38:35.519
<v Speaker 4>don't know if you remember this, but we did have

726
00:38:35.559 --> 00:38:37.960
<v Speaker 4>a problem probably a year or so ago with him.

727
00:38:38.039 --> 00:38:40.159
<v Speaker 4>I don't even remember what it was, but he hopped

728
00:38:40.239 --> 00:38:42.639
<v Speaker 4>right on it. I don't know if it was something

729
00:38:42.679 --> 00:38:45.320
<v Speaker 4>they did, I just don't remember. But as far as

730
00:38:45.360 --> 00:38:48.639
<v Speaker 4>automotive dealers go, it's nice when the guy will hop

731
00:38:48.719 --> 00:38:51.960
<v Speaker 4>right on if there's an issue. Most of these these

732
00:38:52.239 --> 00:38:54.800
<v Speaker 4>new dealerships, my god, they won't hop.

733
00:38:54.639 --> 00:38:57.679
<v Speaker 2>On it all. Not only that Mark, but Longmont dealerships.

734
00:38:57.719 --> 00:38:59.000
<v Speaker 2>Come on, you gotta admit we.

735
00:38:59.159 --> 00:39:02.079
<v Speaker 5>Booth might be the only good one in long Mind.

736
00:39:02.239 --> 00:39:04.199
<v Speaker 2>You really you really feel I mean, you got a

737
00:39:04.239 --> 00:39:06.280
<v Speaker 2>good gut and you felt good about this? Yeah?

738
00:39:06.320 --> 00:39:07.840
<v Speaker 5>I do, I feel good about Wow.

739
00:39:08.559 --> 00:39:12.679
<v Speaker 2>Wow, that's that's cool. Let me bring you in here. Okay. So,

740
00:39:12.679 --> 00:39:15.880
<v Speaker 2>so you talked to him and you feel the guys

741
00:39:15.920 --> 00:39:16.480
<v Speaker 2>being straight.

742
00:39:16.679 --> 00:39:19.320
<v Speaker 4>There's no there is no way that damage was there

743
00:39:19.400 --> 00:39:22.800
<v Speaker 4>the first time, meaning there's no way Booth Motors sold

744
00:39:22.840 --> 00:39:23.480
<v Speaker 4>the car.

745
00:39:23.440 --> 00:39:25.360
<v Speaker 2>And Shop took videos both times.

746
00:39:25.480 --> 00:39:27.960
<v Speaker 4>Right, Yeah, they took videos when they first brought it in,

747
00:39:27.960 --> 00:39:30.519
<v Speaker 4>and I only took videos they did in alignment, and

748
00:39:30.599 --> 00:39:33.719
<v Speaker 4>the alignment came out perfect. So therefore, when all this

749
00:39:33.840 --> 00:39:36.719
<v Speaker 4>other damage happened there, there's no way they could have

750
00:39:36.760 --> 00:39:37.320
<v Speaker 4>aligned it.

751
00:39:37.320 --> 00:39:40.239
<v Speaker 5>It'd be impossible, all right.

752
00:39:40.320 --> 00:39:44.119
<v Speaker 2>So basically we're closing this. We don't have anybody to

753
00:39:44.159 --> 00:39:45.840
<v Speaker 2>go after. And Tim, he's pissed.

754
00:39:46.079 --> 00:39:48.039
<v Speaker 5>Yeah, I got it for his wife. That would be

755
00:39:48.079 --> 00:39:49.039
<v Speaker 5>the only personals.

756
00:39:50.400 --> 00:39:53.320
<v Speaker 2>Okay, but he said there's nothing happened to car. He

757
00:39:53.360 --> 00:39:58.400
<v Speaker 2>didn't know about it. Okay, fine, then we had of course, Uh,

758
00:39:58.840 --> 00:40:00.800
<v Speaker 2>we have two other pending problem. So I'm going to

759
00:40:00.880 --> 00:40:03.239
<v Speaker 2>go to the phones first. Uh three oh three, seven

760
00:40:03.280 --> 00:40:05.199
<v Speaker 2>to one three talks seven one three A two five

761
00:40:05.360 --> 00:40:09.199
<v Speaker 2>five JR wants to JR. One of our YouTube warns

762
00:40:09.280 --> 00:40:12.079
<v Speaker 2>he's also pretty smart with cars. He has a comment.

763
00:40:12.159 --> 00:40:14.679
<v Speaker 2>Go ahead, JR. You have a comment on that damage car.

764
00:40:14.719 --> 00:40:16.760
<v Speaker 2>We were just talking about, right, what's happening?

765
00:40:17.039 --> 00:40:20.679
<v Speaker 13>Yeah, how far in between the alignment and the damage

766
00:40:21.039 --> 00:40:23.239
<v Speaker 13>was noticed? Because how many times have you had people

767
00:40:23.280 --> 00:40:25.199
<v Speaker 13>call in and say I've took my car to a

768
00:40:25.239 --> 00:40:28.079
<v Speaker 13>dealer or a mechanic. Next thing, you know, I see

769
00:40:28.159 --> 00:40:29.519
<v Speaker 13>him driving my car around.

770
00:40:30.280 --> 00:40:31.519
<v Speaker 5>Well, it was one week.

771
00:40:31.400 --> 00:40:33.719
<v Speaker 13>Hitter alignment on it, and at a WJR.

772
00:40:33.760 --> 00:40:36.559
<v Speaker 2>It was one week, it was one week later, one

773
00:40:36.599 --> 00:40:37.199
<v Speaker 2>week later.

774
00:40:38.119 --> 00:40:39.760
<v Speaker 9>It's a hot rod. I would love to drive that

775
00:40:39.840 --> 00:40:41.199
<v Speaker 9>car crazy, What if they do?

776
00:40:41.360 --> 00:40:43.320
<v Speaker 2>You mean hot rod? It's a twenty twenty one.

777
00:40:43.960 --> 00:40:47.159
<v Speaker 4>Or when he picked it up from the dealership, the

778
00:40:47.199 --> 00:40:50.719
<v Speaker 4>dealership said they did the alignment, gave it to him,

779
00:40:50.840 --> 00:40:54.039
<v Speaker 4>and he said the vehicle drove perfectly. He said there

780
00:40:54.119 --> 00:40:56.320
<v Speaker 4>was no problem. Then it went out a sudden.

781
00:40:56.400 --> 00:40:58.760
<v Speaker 5>There was a problem three days later.

782
00:40:58.960 --> 00:41:06.840
<v Speaker 2>Right, so JR. Yeah, I think go ahead.

783
00:41:07.239 --> 00:41:10.159
<v Speaker 13>After the alignment, they do a test drive.

784
00:41:12.440 --> 00:41:15.320
<v Speaker 5>The dealership decided to go ruin, Jr.

785
00:41:15.400 --> 00:41:18.719
<v Speaker 2>Are you saying that in the test drive the dealership

786
00:41:19.159 --> 00:41:20.559
<v Speaker 2>did it did to them.

787
00:41:20.440 --> 00:41:22.800
<v Speaker 4>And then it just so happened to drive perfect when

788
00:41:22.800 --> 00:41:25.519
<v Speaker 4>he picked it up for three days for a week.

789
00:41:28.159 --> 00:41:30.960
<v Speaker 2>He's making no sense. Sorry, I think he's got I

790
00:41:31.000 --> 00:41:33.280
<v Speaker 2>think he hit the vodka this morning. I mean he's

791
00:41:33.320 --> 00:41:36.480
<v Speaker 2>making he usually makes really good sense. Does he's making

792
00:41:36.760 --> 00:41:42.079
<v Speaker 2>argue that he's saying that the dealership test drove the

793
00:41:42.159 --> 00:41:46.400
<v Speaker 2>car after the alignment, and the dealership did the damage.

794
00:41:46.760 --> 00:41:49.599
<v Speaker 2>And then if that's the case, Why did the consumer

795
00:41:49.719 --> 00:41:52.679
<v Speaker 2>say it drove great for the first week after it

796
00:41:52.679 --> 00:41:55.480
<v Speaker 2>took it from the dealer. I don't I don't agree

797
00:41:55.519 --> 00:41:58.000
<v Speaker 2>with any of it. Elliott, you have a question for

798
00:41:58.119 --> 00:42:02.440
<v Speaker 2>Joe Keano certified financial place enter at my moneymway dot com.

799
00:42:02.440 --> 00:42:07.599
<v Speaker 2>Go ahead, sir, Elliott.

800
00:42:07.159 --> 00:42:12.599
<v Speaker 17>Go ahead. Yeah, yeah, I'm here. Thanks. And Joe, you know,

801
00:42:12.679 --> 00:42:14.920
<v Speaker 17>can urg you guys offuse? You know about that six

802
00:42:15.039 --> 00:42:18.320
<v Speaker 17>index and movie? And you know it sounds like, you know,

803
00:42:18.559 --> 00:42:22.039
<v Speaker 17>you know something that I that I, you know, definitely

804
00:42:22.079 --> 00:42:26.679
<v Speaker 17>want to look into. And I do have some other

805
00:42:26.800 --> 00:42:31.119
<v Speaker 17>investments and uh that I probably don't want to touch,

806
00:42:31.239 --> 00:42:35.559
<v Speaker 17>you know, that are yeah, high value. But I also

807
00:42:35.719 --> 00:42:40.920
<v Speaker 17>have you know, some other money, you know, kind of

808
00:42:40.920 --> 00:42:45.760
<v Speaker 17>put away, you know, and like some interest bearing savings

809
00:42:45.760 --> 00:42:47.519
<v Speaker 17>at alense, you know, you know, and one of them,

810
00:42:47.519 --> 00:42:50.840
<v Speaker 17>I've got about sixty five or sixty seven thousand dollars.

811
00:42:51.079 --> 00:42:53.840
<v Speaker 17>Do you think I'm a good candidate there for that Fictioniti?

812
00:42:54.760 --> 00:42:56.360
<v Speaker 2>And now are you going to be able? I just

813
00:42:56.400 --> 00:42:58.880
<v Speaker 2>want to ask you this before Joe chimes in, are

814
00:42:58.880 --> 00:43:02.280
<v Speaker 2>you gonna are you going to add to that over

815
00:43:02.280 --> 00:43:03.960
<v Speaker 2>the years or do you want to do a lump

816
00:43:03.960 --> 00:43:05.440
<v Speaker 2>sum of sixty seven.

817
00:43:06.800 --> 00:43:10.440
<v Speaker 17>Probably a lump sums. You know, you know because I'm

818
00:43:10.440 --> 00:43:12.760
<v Speaker 17>retired now, so you know that.

819
00:43:12.920 --> 00:43:14.840
<v Speaker 2>If you did a lump sum of sixty and when

820
00:43:14.840 --> 00:43:16.760
<v Speaker 2>do you plan on tapping it for income?

821
00:43:19.039 --> 00:43:22.800
<v Speaker 17>I'm already kind of taking disbursement, so my retirement income.

822
00:43:23.119 --> 00:43:25.320
<v Speaker 2>So do you want to I know, but on this annuity,

823
00:43:25.440 --> 00:43:29.079
<v Speaker 2>if you did sixty seven thousand, when do you anticipate

824
00:43:29.119 --> 00:43:31.880
<v Speaker 2>you'd want to start taking that income? Do you need

825
00:43:31.920 --> 00:43:32.599
<v Speaker 2>it right away?

826
00:43:33.840 --> 00:43:37.679
<v Speaker 17>No? No, I mean, I mean I don't know five

827
00:43:37.760 --> 00:43:38.639
<v Speaker 17>ears down the line.

828
00:43:39.039 --> 00:43:42.400
<v Speaker 2>Okay. So basically, here's what's going to happen. Joe, right

829
00:43:42.840 --> 00:43:47.000
<v Speaker 2>he gets doesn't he get an immediate ten thousand dollars bump.

830
00:43:47.239 --> 00:43:50.800
<v Speaker 14>He'll get a fifteen percent bonus, okay.

831
00:43:50.039 --> 00:43:51.599
<v Speaker 2>Which is about ten grand.

832
00:43:51.320 --> 00:43:52.480
<v Speaker 12>Fifteen percent bonus.

833
00:43:52.519 --> 00:43:55.480
<v Speaker 14>And Elliott, I think you would be a perfect candidate

834
00:43:55.519 --> 00:43:56.840
<v Speaker 14>for the annuity.

835
00:43:57.039 --> 00:44:01.960
<v Speaker 12>Number One, you're retired. I'm sorry, you're retired.

836
00:44:02.639 --> 00:44:05.360
<v Speaker 14>So right now you have the money sitting on a

837
00:44:05.360 --> 00:44:08.360
<v Speaker 14>at a bank account, which is not really providing you

838
00:44:08.440 --> 00:44:11.360
<v Speaker 14>with all the benefits that the annuity will provide you with.

839
00:44:11.960 --> 00:44:17.280
<v Speaker 14>One specific benefit will be a guaranteed lifetime income. So

840
00:44:17.480 --> 00:44:20.239
<v Speaker 14>five years from now or if you can wait seven

841
00:44:20.320 --> 00:44:21.880
<v Speaker 14>years or any time.

842
00:44:22.519 --> 00:44:25.159
<v Speaker 2>Kenny, Okay, let's let's do what he really asked about.

843
00:44:25.400 --> 00:44:27.519
<v Speaker 2>He's going to have sixty seven, it's going to be

844
00:44:27.599 --> 00:44:31.840
<v Speaker 2>basically seventy seven with the bump, and he gets seventy

845
00:44:31.880 --> 00:44:35.000
<v Speaker 2>seven for five years. What's that going to amount to

846
00:44:37.079 --> 00:44:38.440
<v Speaker 2>in five years? For income?

847
00:44:38.559 --> 00:44:42.199
<v Speaker 14>D Well, you know, I mean normally the annuity doubles

848
00:44:42.239 --> 00:44:46.440
<v Speaker 14>in about five to seven years. So without having my

849
00:44:46.519 --> 00:44:48.559
<v Speaker 14>calculator in front of me here, I can't tell you

850
00:44:48.599 --> 00:44:49.159
<v Speaker 14>exactly what.

851
00:44:49.119 --> 00:44:52.239
<v Speaker 2>That even if. Okay, but that's the principle we're talking about.

852
00:44:52.320 --> 00:44:53.920
<v Speaker 2>I'm talking about the monthly check.

853
00:44:55.599 --> 00:44:58.880
<v Speaker 14>Yeah, that's something that we need to calculate, Aliat, right right,

854
00:44:58.920 --> 00:45:01.400
<v Speaker 14>and I need to I need no your age for

855
00:45:01.559 --> 00:45:03.360
<v Speaker 14>one thing, and what kind of calculated and I can

856
00:45:03.400 --> 00:45:04.400
<v Speaker 14>send you the information.

857
00:45:04.840 --> 00:45:06.840
<v Speaker 2>Yeah, that's right. In five years, how old are you

858
00:45:06.920 --> 00:45:07.360
<v Speaker 2>going to be.

859
00:45:09.480 --> 00:45:12.599
<v Speaker 17>Five years? I will be sixty eight years.

860
00:45:12.880 --> 00:45:13.480
<v Speaker 12>That perfect.

861
00:45:13.719 --> 00:45:17.960
<v Speaker 14>Yeah, you're the perfect person for an annuity because it

862
00:45:17.960 --> 00:45:20.199
<v Speaker 14>has to be besides the guaranteed income, it has long

863
00:45:20.280 --> 00:45:24.320
<v Speaker 14>term care benefits and it has a death benefit.

864
00:45:24.599 --> 00:45:29.239
<v Speaker 17>So so i've heard you know kind of you know,

865
00:45:29.320 --> 00:45:32.320
<v Speaker 17>been teaking my curiosity. If I hear Tom and you

866
00:45:32.480 --> 00:45:34.960
<v Speaker 17>come on regularly and it's like this my in on

867
00:45:35.159 --> 00:45:39.519
<v Speaker 17>my way dot com. Uh yeah, but I would like

868
00:45:39.719 --> 00:45:42.199
<v Speaker 17>to go ahead and pursue this and I can provide

869
00:45:42.239 --> 00:45:45.079
<v Speaker 17>you with my you know a little bit more and

870
00:45:45.360 --> 00:45:48.440
<v Speaker 17>you know information about me, and uh maybe we can

871
00:45:48.519 --> 00:45:51.199
<v Speaker 17>pick it up. But I do like one thing you said,

872
00:45:51.280 --> 00:45:53.320
<v Speaker 17>you're never losing You're.

873
00:45:53.159 --> 00:45:54.639
<v Speaker 12>Never going to lose any money. You're not going to

874
00:45:54.679 --> 00:45:54.960
<v Speaker 12>lose that.

875
00:45:55.239 --> 00:45:58.039
<v Speaker 4>And even if you croaked, whoever you're leaving the money

876
00:45:58.159 --> 00:46:00.440
<v Speaker 4>to would actually get it as well, right.

877
00:46:00.559 --> 00:46:04.440
<v Speaker 12>If you prematurely die Illia, oh croaked?

878
00:46:05.960 --> 00:46:06.159
<v Speaker 2>Yeah?

879
00:46:06.159 --> 00:46:07.960
<v Speaker 12>Okay, Well, so let me have your uh.

880
00:46:10.320 --> 00:46:11.679
<v Speaker 17>Okay, I'm interested in rest.

881
00:46:11.800 --> 00:46:13.800
<v Speaker 12>Okay, So how can we get your information?

882
00:46:13.920 --> 00:46:14.199
<v Speaker 5>Kelly?

883
00:46:14.280 --> 00:46:17.000
<v Speaker 2>Yeah, let's let's just we'll just give look, we'll just

884
00:46:17.039 --> 00:46:19.599
<v Speaker 2>get his number. You can call him later. But I'm

885
00:46:19.599 --> 00:46:21.360
<v Speaker 2>going to I'm going to tell you that I did

886
00:46:21.400 --> 00:46:26.719
<v Speaker 2>some calculations based on being sixty eight and five years

887
00:46:27.400 --> 00:46:32.320
<v Speaker 2>and you could see monthly payouts up to five hundred

888
00:46:32.320 --> 00:46:36.679
<v Speaker 2>a month depending on the specific interest rate environment, but

889
00:46:36.760 --> 00:46:39.599
<v Speaker 2>it could be about five maybe even a little more

890
00:46:39.639 --> 00:46:43.119
<v Speaker 2>a month, five hundred a month in five years, and

891
00:46:43.159 --> 00:46:48.039
<v Speaker 2>that's providing you get a fifteen percent bump. Now, Joe

892
00:46:48.079 --> 00:46:50.679
<v Speaker 2>can do those calculations to give you an exact amount

893
00:46:50.960 --> 00:46:54.159
<v Speaker 2>because it is guaranteed, right Joe, absolutely guaranteed.

894
00:46:54.519 --> 00:46:57.239
<v Speaker 4>What I would like is maybe have Jordan or someone

895
00:46:57.280 --> 00:47:00.760
<v Speaker 4>in your office run if someone out there forty years

896
00:47:00.760 --> 00:47:03.159
<v Speaker 4>old right now, because here's where you make the big bucks.

897
00:47:03.199 --> 00:47:04.639
<v Speaker 5>I don't care what anybody says.

898
00:47:04.760 --> 00:47:07.840
<v Speaker 4>And you put one hundred thousand or two hundred thousand

899
00:47:07.960 --> 00:47:11.480
<v Speaker 4>whatever you've had saved up, and then it sits there

900
00:47:11.719 --> 00:47:15.960
<v Speaker 4>and grows for twenty five years. You're looking at a huge,

901
00:47:16.400 --> 00:47:17.679
<v Speaker 4>a huge.

902
00:47:17.320 --> 00:47:21.599
<v Speaker 2>Very very good, very good. Yeah, if that Rep man,

903
00:47:21.760 --> 00:47:23.559
<v Speaker 2>can you have Jordan calculate that.

904
00:47:25.840 --> 00:47:27.840
<v Speaker 12>He's not at the office right now? Oh okay.

905
00:47:28.119 --> 00:47:30.760
<v Speaker 14>But the thing is, though, I we'll definitely get those

906
00:47:30.840 --> 00:47:32.920
<v Speaker 14>numbers for Elliott, all.

907
00:47:32.880 --> 00:47:35.199
<v Speaker 2>Right, and we have to we have to take a break.

908
00:47:35.199 --> 00:47:37.239
<v Speaker 2>Three oh three seven one three talks seven one three

909
00:47:37.280 --> 00:47:39.880
<v Speaker 2>eight two five five eight eight eight Heating dot Com

910
00:47:40.159 --> 00:47:44.239
<v Speaker 2>Garrett and his team great people for high efficiency hybrid systems.

911
00:47:44.280 --> 00:47:46.039
<v Speaker 2>You have a solar system, you might want to do

912
00:47:46.079 --> 00:47:49.599
<v Speaker 2>a hybrid system that's where you combine electric and gas,

913
00:47:49.960 --> 00:47:52.960
<v Speaker 2>or you can do go with a sure thing Denver's

914
00:47:53.000 --> 00:47:55.880
<v Speaker 2>best roofer Excel Roofing Dot com. You don't pay a

915
00:47:55.960 --> 00:48:02.440
<v Speaker 2>cent until you're content. Time for an insurance checkup free

916
00:48:02.519 --> 00:48:06.559
<v Speaker 2>no obligation comparison call Compass Insurance paying too much your

917
00:48:06.599 --> 00:48:09.599
<v Speaker 2>coverage at dozens of insurance companies find out now three

918
00:48:09.599 --> 00:48:12.119
<v Speaker 2>oh three seven seven to one help. You'll think you're

919
00:48:12.159 --> 00:48:14.679
<v Speaker 2>his only customer when you choose Frank durand the real

920
00:48:14.760 --> 00:48:17.760
<v Speaker 2>estate Man dot com to list your home with Remax

921
00:48:17.800 --> 00:48:26.559
<v Speaker 2>Alliance three oh three nine two zero sixteen twenty two.

922
00:48:26.920 --> 00:48:31.559
<v Speaker 2>Hi Tom Martino here three O three seven one three

923
00:48:31.639 --> 00:48:34.960
<v Speaker 2>talk three oh three seven one three eight two five five.

924
00:48:36.039 --> 00:48:40.280
<v Speaker 2>All right now, Ryan, jeez.

925
00:48:40.280 --> 00:48:40.960
<v Speaker 5>Well go back.

926
00:48:41.159 --> 00:48:43.239
<v Speaker 4>Let's pull him back up. I mean, here's the bottom

927
00:48:43.320 --> 00:48:46.760
<v Speaker 4>deal he's saying. One, listen to this. Since he bought

928
00:48:46.760 --> 00:48:50.000
<v Speaker 4>the vehicle brand new from I think he said AutoNation

929
00:48:50.719 --> 00:48:54.239
<v Speaker 4>in twenty twenty one, it's been in the shop one

930
00:48:54.400 --> 00:48:55.719
<v Speaker 4>out of every seven days.

931
00:48:55.800 --> 00:48:56.559
<v Speaker 5>That's crazy.

932
00:48:57.039 --> 00:48:59.760
<v Speaker 2>And it all started one year after So he can't

933
00:48:59.840 --> 00:49:05.199
<v Speaker 2>invoked the Lemon law. The warranty, Ryan, we we we

934
00:49:05.199 --> 00:49:09.760
<v Speaker 2>were talking about did the warranty take care of everything?

935
00:49:11.599 --> 00:49:14.920
<v Speaker 11>The warranty has covered the majority of the repairs, however,

936
00:49:15.440 --> 00:49:18.039
<v Speaker 11>not all the repairs, because they've blamed me for some

937
00:49:18.119 --> 00:49:18.360
<v Speaker 11>of these.

938
00:49:18.519 --> 00:49:21.320
<v Speaker 2>What did they blame you for? What did they blame you?

939
00:49:21.440 --> 00:49:25.199
<v Speaker 11>There was a hole in this hose that was up

940
00:49:25.199 --> 00:49:26.880
<v Speaker 11>against the firewall of.

941
00:49:26.840 --> 00:49:30.440
<v Speaker 5>The What was it a line?

942
00:49:31.239 --> 00:49:32.719
<v Speaker 11>No, it was like an air.

943
00:49:32.519 --> 00:49:35.480
<v Speaker 2>Intake for those Well, how can they blame you for that? Though?

944
00:49:35.519 --> 00:49:36.599
<v Speaker 2>How can they blame you for that?

945
00:49:37.840 --> 00:49:40.239
<v Speaker 11>They said that I probably did it when I changed

946
00:49:40.239 --> 00:49:44.000
<v Speaker 11>the air filter, but it was up against the firewall.

947
00:49:44.119 --> 00:49:45.599
<v Speaker 11>I'm telling them, I have no idea.

948
00:49:45.760 --> 00:49:47.320
<v Speaker 2>How would it have broken itself?

949
00:49:47.480 --> 00:49:48.199
<v Speaker 5>Is it possible?

950
00:49:48.280 --> 00:49:50.960
<v Speaker 4>Let's look at it from their stance, if you didn't

951
00:49:51.000 --> 00:49:54.039
<v Speaker 4>mess with anything, how would that just break? Is it

952
00:49:54.119 --> 00:49:55.840
<v Speaker 4>like a hose it busted or what?

953
00:49:56.000 --> 00:49:58.920
<v Speaker 2>No, the holy said it's it's.

954
00:49:58.760 --> 00:50:02.320
<v Speaker 11>Yeah, it's a plastic thing that had a bracket mounted

955
00:50:02.400 --> 00:50:04.679
<v Speaker 11>to like the firewall or the something.

956
00:50:04.800 --> 00:50:07.079
<v Speaker 8>And then so when when something.

957
00:50:06.840 --> 00:50:08.159
<v Speaker 15>Moved, it broke.

958
00:50:08.360 --> 00:50:13.320
<v Speaker 2>Yeah, but that's minor compared that's minor compared to everything else.

959
00:50:13.320 --> 00:50:16.400
<v Speaker 2>So let's let's talk about the overall truck. What the

960
00:50:16.440 --> 00:50:18.920
<v Speaker 2>hell's going on with it? When you said it's in

961
00:50:18.920 --> 00:50:20.880
<v Speaker 2>the shop for one hundred and seventy days, I want

962
00:50:20.880 --> 00:50:24.760
<v Speaker 2>you to think carefully how many different problems or where

963
00:50:24.760 --> 00:50:27.280
<v Speaker 2>they're just basically the same ones over and over.

964
00:50:28.840 --> 00:50:32.920
<v Speaker 11>No, there's been a plethora of various problems, everything from

965
00:50:33.559 --> 00:50:37.519
<v Speaker 11>transmission to motor mounts, to catalytic converter to emissions.

966
00:50:37.639 --> 00:50:39.320
<v Speaker 2>Well this sounds terrible.

967
00:50:40.280 --> 00:50:43.519
<v Speaker 5>Well it's out of manufacturer's warranty, so or no, it's not.

968
00:50:43.679 --> 00:50:47.039
<v Speaker 5>You said right, It is currently.

969
00:50:46.599 --> 00:50:50.880
<v Speaker 11>Under warranty, but I only have like ten thousand miles

970
00:50:50.920 --> 00:50:53.400
<v Speaker 11>before I'm out of warranty. Well, when they just keep

971
00:50:53.480 --> 00:50:54.519
<v Speaker 11>fixing it and giving me.

972
00:50:54.480 --> 00:50:55.800
<v Speaker 1>The truck, no, I get it.

973
00:50:55.920 --> 00:50:58.320
<v Speaker 2>I get what you're saying. You're afraid of the damn thing.

974
00:50:58.360 --> 00:50:59.079
<v Speaker 2>What's gonna happen.

975
00:50:59.320 --> 00:51:01.599
<v Speaker 4>What I do is let's get it fixed for the

976
00:51:01.719 --> 00:51:03.760
<v Speaker 4>umpteeth time and put it up for sale.

977
00:51:03.800 --> 00:51:06.440
<v Speaker 2>Man may I Yeah, I wondered that's what it's going

978
00:51:06.519 --> 00:51:08.639
<v Speaker 2>to ask. What do you want Ryan though?

979
00:51:08.760 --> 00:51:11.760
<v Speaker 4>And do it quickly while they still have ten thousand

980
00:51:11.840 --> 00:51:15.440
<v Speaker 4>miles of manufacturer's warranty, because when people are looking to

981
00:51:15.440 --> 00:51:18.519
<v Speaker 4>buy a used vehicle, that's really important.

982
00:51:19.960 --> 00:51:23.760
<v Speaker 11>Yes, absolutely, and I plan on selling it as soon

983
00:51:23.800 --> 00:51:27.199
<v Speaker 11>as I get it back. However, I'm I am not

984
00:51:27.239 --> 00:51:30.599
<v Speaker 11>sure I feel comfortable with that, because I here, I

985
00:51:30.639 --> 00:51:32.960
<v Speaker 11>am passing off this problematic truck that I.

986
00:51:33.000 --> 00:51:37.840
<v Speaker 5>Believed and traded it my back. Yeah, I'm not here

987
00:51:37.880 --> 00:51:39.239
<v Speaker 5>to try to help your conscience.

988
00:51:39.679 --> 00:51:42.119
<v Speaker 2>But no, But Ryan, what do you Ryan? What do

989
00:51:42.159 --> 00:51:44.880
<v Speaker 2>you want? When you called us? What do you want? Basically?

990
00:51:44.960 --> 00:51:47.320
<v Speaker 2>What are you calling about? Like, like, if you could

991
00:51:47.320 --> 00:51:49.480
<v Speaker 2>do something, do you want them to buy it back?

992
00:51:49.519 --> 00:51:50.320
<v Speaker 2>What do you want?

993
00:51:52.079 --> 00:51:53.960
<v Speaker 11>I would like it. I feel like i'd be fair

994
00:51:54.000 --> 00:51:54.599
<v Speaker 11>if they bought it.

995
00:51:54.639 --> 00:51:55.760
<v Speaker 5>They're not buying it back.

996
00:51:57.559 --> 00:52:00.719
<v Speaker 4>Yeah, correct, they'd probably do it, trade in on it

997
00:52:00.760 --> 00:52:02.320
<v Speaker 4>and probably give you a fair price.

998
00:52:02.760 --> 00:52:05.599
<v Speaker 2>Yeah, Like, if they're the ones fixing it, they should

999
00:52:05.599 --> 00:52:07.159
<v Speaker 2>be able to take it in on trade.

1000
00:52:08.480 --> 00:52:11.280
<v Speaker 11>If in my opinion, they're lowballing me because they know

1001
00:52:11.360 --> 00:52:13.280
<v Speaker 11>it's a problematic truck on trade.

1002
00:52:13.079 --> 00:52:17.360
<v Speaker 2>In, well, what are they offering they get there, I've.

1003
00:52:17.280 --> 00:52:19.840
<v Speaker 11>Been offered from thirty two thousand to thirty.

1004
00:52:19.559 --> 00:52:24.719
<v Speaker 2>Five thousand, and well, how do you know it's lowballing?

1005
00:52:25.119 --> 00:52:28.280
<v Speaker 2>Let's ask Rodney hold on a second. Let's ask Rodney.

1006
00:52:29.079 --> 00:52:31.920
<v Speaker 2>He's a great guy, and if he took it in

1007
00:52:31.960 --> 00:52:32.960
<v Speaker 2>on trade, he'll give us.

1008
00:52:33.079 --> 00:52:35.639
<v Speaker 4>Honestly, if all of this stuff I'm trying to think,

1009
00:52:35.679 --> 00:52:38.800
<v Speaker 4>if it would show up, Yeah, it probably is on Carfax, have.

1010
00:52:38.840 --> 00:52:39.400
<v Speaker 1>You by the way.

1011
00:52:39.519 --> 00:52:41.360
<v Speaker 2>By the way, hold On, hold on. I want to

1012
00:52:41.400 --> 00:52:43.719
<v Speaker 2>get to Dan McKenzie right now because I've been trying

1013
00:52:43.719 --> 00:52:45.880
<v Speaker 2>to get him on for a while on this quick claim.

1014
00:52:46.159 --> 00:52:48.920
<v Speaker 2>Then will you have a comment on this? Hang on?

1015
00:52:49.079 --> 00:52:51.320
<v Speaker 2>Will have will hang on? He has a comment on

1016
00:52:51.440 --> 00:52:57.000
<v Speaker 2>Ryan's issue. First, Dan McKenzie, Dan, I appreciate you being here.

1017
00:52:57.039 --> 00:53:01.000
<v Speaker 2>And Dan McKenzie in estate planning attorney at eight three

1018
00:53:01.119 --> 00:53:05.039
<v Speaker 2>three Coeo Plans. I want a quick question Dan. We

1019
00:53:05.079 --> 00:53:08.320
<v Speaker 2>had a guy call in and he wanted to know

1020
00:53:08.800 --> 00:53:12.519
<v Speaker 2>if he could undo this. And here's what it is. Basically,

1021
00:53:13.280 --> 00:53:16.639
<v Speaker 2>his father deeded him the house in a quit claim deed,

1022
00:53:17.559 --> 00:53:24.119
<v Speaker 2>and he inherited his dad's basis of like some ridiculous

1023
00:53:24.159 --> 00:53:27.639
<v Speaker 2>amount and like two hundred thousand and it's worth like

1024
00:53:27.760 --> 00:53:30.760
<v Speaker 2>six hundred now or something. He just wants to know,

1025
00:53:31.599 --> 00:53:33.400
<v Speaker 2>and I told him that was the wrong way to

1026
00:53:33.440 --> 00:53:35.559
<v Speaker 2>do it. They should have done a beneficiaries deed or

1027
00:53:35.599 --> 00:53:38.320
<v Speaker 2>some kind of trust or whatever. He wants to know.

1028
00:53:38.559 --> 00:53:42.760
<v Speaker 2>Can I undo it? Can Can my dad just quit

1029
00:53:42.840 --> 00:53:45.360
<v Speaker 2>claim it back to him? I mean, can I just

1030
00:53:45.440 --> 00:53:46.760
<v Speaker 2>quit claim it back to him?

1031
00:53:47.159 --> 00:53:47.239
<v Speaker 15>So?

1032
00:53:47.559 --> 00:53:48.519
<v Speaker 2>How does that work?

1033
00:53:50.320 --> 00:53:52.519
<v Speaker 22>I think you know, I've been told that that really

1034
00:53:52.639 --> 00:53:55.280
<v Speaker 22>can happen. That might be a better question for a CPA.

1035
00:53:55.480 --> 00:54:01.159
<v Speaker 22>But if the intent was not necessary to give but

1036
00:54:01.400 --> 00:54:04.719
<v Speaker 22>you know, for convenience purposes or something for estate planning purposes,

1037
00:54:04.760 --> 00:54:07.440
<v Speaker 22>it is possible that they could save that capital game

1038
00:54:07.519 --> 00:54:12.119
<v Speaker 22>basis actually so.

1039
00:54:10.320 --> 00:54:12.440
<v Speaker 2>So if he undid it and went back to his

1040
00:54:12.519 --> 00:54:17.440
<v Speaker 2>own you don't think it might screw with anything. I mean,

1041
00:54:18.800 --> 00:54:19.000
<v Speaker 2>like I.

1042
00:54:19.000 --> 00:54:21.000
<v Speaker 22>Said, I would, I would confirm with the CPA first

1043
00:54:21.000 --> 00:54:23.000
<v Speaker 22>because it's like, you know, the death probably should have

1044
00:54:23.039 --> 00:54:26.920
<v Speaker 22>filed a gift tax return. Call Eric, yeah, and then uh,

1045
00:54:27.559 --> 00:54:29.599
<v Speaker 22>and then you know he might have to do it

1046
00:54:29.639 --> 00:54:32.639
<v Speaker 22>again on the way back. But I have been told

1047
00:54:32.679 --> 00:54:34.920
<v Speaker 22>when I when I've investigated this, that there is a

1048
00:54:34.960 --> 00:54:38.360
<v Speaker 22>way that potentially it could be done and uh and

1049
00:54:38.480 --> 00:54:39.599
<v Speaker 22>preserve that capital game.

1050
00:54:39.679 --> 00:54:40.079
<v Speaker 20>Step up.

1051
00:54:41.000 --> 00:54:44.199
<v Speaker 2>Okay, Okay, I don't think they did a gift tax return.

1052
00:54:44.239 --> 00:54:46.360
<v Speaker 2>I don't think they knew what they were doing now

1053
00:54:46.599 --> 00:54:50.519
<v Speaker 2>so does Yeah. But but thank Stan McKenzie ate three

1054
00:54:50.519 --> 00:54:53.679
<v Speaker 2>to three co plans and and that's really what we

1055
00:54:53.760 --> 00:54:56.320
<v Speaker 2>wanted to ask. So we will check with Eric Reinemer

1056
00:54:56.800 --> 00:55:00.000
<v Speaker 2>or or one of the people at Atlas CPAs and Advisors.

1057
00:55:00.119 --> 00:55:02.400
<v Speaker 2>Thank you, uh, to get a second opinion on it.

1058
00:55:02.480 --> 00:55:04.480
<v Speaker 5>I'm curious as hell now on that deal.

1059
00:55:04.840 --> 00:55:06.079
<v Speaker 2>Yeah, I really am too.

1060
00:55:06.480 --> 00:55:09.679
<v Speaker 4>Now the guy needless to say, if the guy was dead,

1061
00:55:09.760 --> 00:55:12.679
<v Speaker 4>it doesn't matter, right, there's no way they do anvers.

1062
00:55:12.960 --> 00:55:15.719
<v Speaker 2>You don't undo it then, so we we do have

1063
00:55:15.760 --> 00:55:18.360
<v Speaker 2>to take a break. I'm gonna ask everyone's indulgence on

1064
00:55:19.000 --> 00:55:21.960
<v Speaker 2>sticking around. Please three all three seven, one three eight

1065
00:55:22.039 --> 00:55:29.840
<v Speaker 2>two five five go with a sure thing Denver's best

1066
00:55:29.920 --> 00:55:32.800
<v Speaker 2>roofer Excel Roofing dot com. You don't pay a cent

1067
00:55:33.000 --> 00:55:39.800
<v Speaker 2>until you're content. Time for an insurance checkup free, no obligation.

1068
00:55:39.800 --> 00:55:43.639
<v Speaker 2>In comparison, call Compass Insurance paying too much your coverage

1069
00:55:43.679 --> 00:55:46.320
<v Speaker 2>at dozens of insurance companies find out now three all

1070
00:55:46.400 --> 00:55:48.760
<v Speaker 2>three seven to seven to one help. You'll think you're

1071
00:55:48.760 --> 00:55:51.280
<v Speaker 2>his only customer when you choose Frank durand the real

1072
00:55:51.400 --> 00:55:54.920
<v Speaker 2>estate Man dot com to list your home with Remax Alliance.

1073
00:55:55.159 --> 00:56:02.599
<v Speaker 2>Three oh three nine two zero sixteen twenty two. Hi

1074
00:56:02.800 --> 00:56:09.800
<v Speaker 2>Tom Martino, your trouble shooter three oh three seven one

1075
00:56:09.880 --> 00:56:13.280
<v Speaker 2>three talk three o three seven one three eight two

1076
00:56:13.360 --> 00:56:17.360
<v Speaker 2>five five people, I got I got some news for you.

1077
00:56:17.400 --> 00:56:21.039
<v Speaker 2>Never ever, ever, ever, ever take melatonin in the morning.

1078
00:56:22.280 --> 00:56:29.679
<v Speaker 4>I think most people listening would probably know that already.

1079
00:56:30.519 --> 00:56:33.280
<v Speaker 2>Oh God, no mark this.

1080
00:56:33.679 --> 00:56:36.719
<v Speaker 5>I suggest you throw ambient in with that as well.

1081
00:56:37.079 --> 00:56:41.039
<v Speaker 2>And they said one milligram shouldn't make you sleepy. One

1082
00:56:41.119 --> 00:56:46.360
<v Speaker 2>milligram is making me extremely sleepy. And anyway, uh, the

1083
00:56:46.400 --> 00:56:48.760
<v Speaker 2>only time I get this sleepy is when you do

1084
00:56:48.840 --> 00:56:53.639
<v Speaker 2>the show. And uh, I just I listen to get

1085
00:56:53.639 --> 00:56:57.880
<v Speaker 2>a nap anyway, three just the opposite. Actually, I'm on

1086
00:56:58.079 --> 00:57:00.639
<v Speaker 2>what anyway? Three oh three, seven, one, three eighth two,

1087
00:57:00.719 --> 00:57:03.039
<v Speaker 2>five to five. Let's talk to Ryan with this multiple

1088
00:57:03.039 --> 00:57:06.280
<v Speaker 2>issues on the twenty twenty one. I don't know what

1089
00:57:06.360 --> 00:57:07.320
<v Speaker 2>were we going to do with this.

1090
00:57:07.480 --> 00:57:09.480
<v Speaker 4>I mean, well, he's going to trade it in. I

1091
00:57:09.920 --> 00:57:11.840
<v Speaker 4>don't know where else we're going to get Rodney.

1092
00:57:12.000 --> 00:57:13.920
<v Speaker 2>I wanted to get Rodney, that's why.

1093
00:57:14.159 --> 00:57:15.960
<v Speaker 5>And see if the values right good idea.

1094
00:57:17.119 --> 00:57:18.920
<v Speaker 11>Part of the reason I can't trade it in right

1095
00:57:18.960 --> 00:57:21.559
<v Speaker 11>now is because they still have my truck.

1096
00:57:21.880 --> 00:57:23.719
<v Speaker 2>Well good, then you're going to get it back. I mean,

1097
00:57:23.760 --> 00:57:26.239
<v Speaker 2>I just want to know what price you should get

1098
00:57:26.280 --> 00:57:30.199
<v Speaker 2>for that, and if they're treating you fairly. Hold on, Kachina,

1099
00:57:30.320 --> 00:57:32.960
<v Speaker 2>did you hear me ask for Rodney if you could

1100
00:57:32.960 --> 00:57:35.800
<v Speaker 2>try him? And that would be great at JFR Cars.

1101
00:57:36.079 --> 00:57:40.719
<v Speaker 2>Now Samantha's calling Samantha is calling back with the Larry H.

1102
00:57:40.760 --> 00:57:44.159
<v Speaker 2>Miller deal. Now, Samantha, when we last checked with you,

1103
00:57:45.360 --> 00:57:48.679
<v Speaker 2>obviously this was a we had an attorney on to

1104
00:57:48.800 --> 00:57:52.159
<v Speaker 2>analyze this. You bought a twenty twenty dodge ram from

1105
00:57:52.239 --> 00:57:54.320
<v Speaker 2>Larry H. Miller. Two weeks later they said, look, we

1106
00:57:54.360 --> 00:57:57.119
<v Speaker 2>can't get the financing assigned. You need to put more

1107
00:57:57.159 --> 00:58:00.760
<v Speaker 2>money down now according to your contract or not. Two

1108
00:58:00.840 --> 00:58:04.159
<v Speaker 2>weeks later they called you four weeks later or something

1109
00:58:04.280 --> 00:58:06.599
<v Speaker 2>like that. I think on seventeen days. Oh, I know

1110
00:58:06.679 --> 00:58:09.159
<v Speaker 2>what it was. No, it's twenty seven days. Twenty seven

1111
00:58:09.239 --> 00:58:13.000
<v Speaker 2>days later, and according to our attorney, they only have

1112
00:58:13.119 --> 00:58:17.159
<v Speaker 2>ten they only have really ten days to notify you,

1113
00:58:17.480 --> 00:58:21.400
<v Speaker 2>and according to their own contract it's ten days. But

1114
00:58:21.519 --> 00:58:27.639
<v Speaker 2>here's what I want to know. She said, you could

1115
00:58:27.719 --> 00:58:30.519
<v Speaker 2>probably hold him to the deal. But Mark analyzed that

1116
00:58:30.599 --> 00:58:33.320
<v Speaker 2>deal and says it sucks. You ought to just undo it. Anyway,

1117
00:58:33.599 --> 00:58:34.679
<v Speaker 2>Where do you stand right now?

1118
00:58:34.719 --> 00:58:36.960
<v Speaker 4>Yeah, you bought Why did you buy every piece of

1119
00:58:37.039 --> 00:58:38.760
<v Speaker 4>mop and glow they threw at you?

1120
00:58:40.840 --> 00:58:43.840
<v Speaker 23>So at this point I'm actually.

1121
00:58:43.519 --> 00:58:44.280
<v Speaker 10>Working with Rena.

1122
00:58:45.079 --> 00:58:47.280
<v Speaker 23>We're actually going to be repleaning her so that way

1123
00:58:47.320 --> 00:58:48.199
<v Speaker 23>we can move forward.

1124
00:58:48.559 --> 00:58:48.800
<v Speaker 2>Good.

1125
00:58:49.559 --> 00:58:51.000
<v Speaker 23>I mean, ultimately, you know.

1126
00:58:50.960 --> 00:58:53.400
<v Speaker 9>This is this is ultimately my husband's.

1127
00:58:53.000 --> 00:58:54.920
<v Speaker 23>Truck, and this is the truck that he worked very

1128
00:58:54.960 --> 00:58:57.800
<v Speaker 23>hard for, right, you know, like we're.

1129
00:58:57.639 --> 00:58:58.960
<v Speaker 3>Going to follow through with that.

1130
00:59:00.679 --> 00:59:04.559
<v Speaker 23>You know, We've we've got several different you know, like

1131
00:59:04.639 --> 00:59:06.960
<v Speaker 23>options as far as like talking to the police, talking

1132
00:59:06.960 --> 00:59:10.760
<v Speaker 23>to attorneys, talking to you guys. Yeah, you know, actually

1133
00:59:11.079 --> 00:59:15.679
<v Speaker 23>you know, filing filing a chart with the.

1134
00:59:14.760 --> 00:59:18.400
<v Speaker 10>Department of Revenue. Yeah, there's a bunch of things going on,

1135
00:59:18.519 --> 00:59:19.199
<v Speaker 10>right good.

1136
00:59:20.280 --> 00:59:21.559
<v Speaker 23>Yeah, So we're definitely following.

1137
00:59:21.719 --> 00:59:23.920
<v Speaker 2>But here's what you need to tell your husband. Just

1138
00:59:24.920 --> 00:59:27.960
<v Speaker 2>the deal itself there, it was packed with a lot

1139
00:59:28.000 --> 00:59:31.960
<v Speaker 2>of junk you didn't need. I mean seriously, and and

1140
00:59:32.559 --> 00:59:34.320
<v Speaker 2>I don't know if you're even if you're going to

1141
00:59:34.400 --> 00:59:37.000
<v Speaker 2>fight for this deal, if you will ever have the

1142
00:59:37.039 --> 00:59:41.360
<v Speaker 2>opportunity to remove some of that junk. But it was

1143
00:59:41.400 --> 00:59:44.039
<v Speaker 2>a bad deal, sister. It was a bad deal. Like,

1144
00:59:44.119 --> 00:59:47.159
<v Speaker 2>you got a lot of crap you didn't need. And

1145
00:59:47.360 --> 00:59:51.280
<v Speaker 2>I'm thinking, I don't know, I'm just thinking that it's

1146
00:59:51.320 --> 00:59:55.960
<v Speaker 2>not something that you you want. I'm Tom Martine. We

1147
00:59:56.079 --> 00:59:58.599
<v Speaker 2>have more coming up on the Troubleshooter Show. Stick around

1148
00:59:59.119 --> 01:00:01.519
<v Speaker 2>and we'll see what we can do for you. Three

1149
01:00:01.519 --> 01:00:03.960
<v Speaker 2>oh three seven one three talk or three oh three

1150
01:00:04.039 --> 01:00:10.320
<v Speaker 2>Martino go with a sure thing Denver's Best roofer Excel

1151
01:00:10.440 --> 01:00:13.480
<v Speaker 2>Roofing dot com. You don't pay a cent until you're content.

1152
01:00:15.079 --> 01:00:19.320
<v Speaker 2>Please time for an insurance check up free, no obligation

1153
01:00:19.480 --> 01:00:23.320
<v Speaker 2>comparison call Compass Insurance paying too much your coverage at

1154
01:00:23.360 --> 01:00:26.079
<v Speaker 2>dozens of insurance companies find out now three oh three

1155
01:00:26.280 --> 01:00:28.840
<v Speaker 2>seven seven to one help. You'll think you're his only

1156
01:00:28.960 --> 01:00:31.400
<v Speaker 2>customer when you choose Frank durand the real estate Man

1157
01:00:31.480 --> 01:00:34.920
<v Speaker 2>dot com to list your home with Remax Alliance three

1158
01:00:34.920 --> 01:00:37.239
<v Speaker 2>oh three nine two zero sixteen twenty two.

1159
01:00:44.800 --> 01:00:51.440
<v Speaker 1>D News need advice so you don't have come runs

1160
01:00:52.000 --> 01:00:55.280
<v Speaker 1>a cam Shooter's gonna help.

1161
01:00:55.599 --> 01:00:58.280
<v Speaker 20>Come man, this is.

1162
01:00:58.320 --> 01:00:59.599
<v Speaker 5>The Troubleshooter Show.

1163
01:01:00.320 --> 01:01:04.079
<v Speaker 2>Know Tom Martinez, Hey, welcome to the show. Three o

1164
01:01:04.280 --> 01:01:07.440
<v Speaker 2>three he's seven one three talk three oh three, he's

1165
01:01:07.519 --> 01:01:10.920
<v Speaker 2>seven to one three eight two five five. What's going

1166
01:01:11.000 --> 01:01:13.920
<v Speaker 2>on in your life? How can we help you? Let's

1167
01:01:14.119 --> 01:01:20.320
<v Speaker 2>uh talk? What is going on? Well? We have who

1168
01:01:20.400 --> 01:01:23.000
<v Speaker 2>do we have in the studio? Mark with you? Did

1169
01:01:23.159 --> 01:01:24.440
<v Speaker 2>I know Joe? I believe?

1170
01:01:24.559 --> 01:01:26.880
<v Speaker 4>So Jordan has joined us and he's going to run

1171
01:01:26.960 --> 01:01:29.440
<v Speaker 4>some numbers for us on a annuity.

1172
01:01:29.519 --> 01:01:31.559
<v Speaker 5>And then we've got Deputy Dollar. That's here.

1173
01:01:31.719 --> 01:01:34.840
<v Speaker 4>We've got Dragon of course on the other side, waving,

1174
01:01:34.920 --> 01:01:37.480
<v Speaker 4>and then Kelly answering the phones.

1175
01:01:38.400 --> 01:01:41.960
<v Speaker 2>Okay, let me go back to Deputy d here with me.

1176
01:01:42.960 --> 01:01:46.000
<v Speaker 2>There was a guy who called in about the Post Office. Dan.

1177
01:01:46.119 --> 01:01:49.440
<v Speaker 2>He said that he if you don't get a lot

1178
01:01:49.519 --> 01:01:52.280
<v Speaker 2>of mail, they they cut off your mailbox from ever

1179
01:01:52.360 --> 01:01:56.000
<v Speaker 2>getting mail again. That was one claim he made. If

1180
01:01:56.039 --> 01:01:59.239
<v Speaker 2>you get intermittent mail, you can be cut off. Is

1181
01:01:59.280 --> 01:01:59.880
<v Speaker 2>that true or not?

1182
01:02:01.000 --> 01:02:06.199
<v Speaker 24>No, I successfully reached a great enthusiastic contact way inside

1183
01:02:06.239 --> 01:02:08.519
<v Speaker 24>the Post Office. Yeah, and I just spoke with him,

1184
01:02:09.079 --> 01:02:13.679
<v Speaker 24>so he's going to investigate this issue, both of these questions. Internally,

1185
01:02:14.440 --> 01:02:18.360
<v Speaker 24>it sounds like there was a miscommunication. The mail should

1186
01:02:18.400 --> 01:02:21.760
<v Speaker 24>not stop after two years of inactivity. But besides that,

1187
01:02:22.239 --> 01:02:26.119
<v Speaker 24>the consumer disputes the two years of inactivity anyway.

1188
01:02:25.840 --> 01:02:29.519
<v Speaker 2>Okay, now, okay. Then he made another claim. He said

1189
01:02:29.559 --> 01:02:33.039
<v Speaker 2>he called the Post Office and they told him that

1190
01:02:33.360 --> 01:02:39.039
<v Speaker 2>when you have you can't have two residential addresses in

1191
01:02:39.159 --> 01:02:43.320
<v Speaker 2>the United States, which I think is bull crap. Yeah.

1192
01:02:43.480 --> 01:02:47.039
<v Speaker 24>I had a similar reaction, and our contact inside the

1193
01:02:47.119 --> 01:02:50.159
<v Speaker 24>Post Office has a reaction that's very similar to that too.

1194
01:02:50.199 --> 01:02:53.280
<v Speaker 2>Okay, that's not true. Yeah, he believes that the Lakes.

1195
01:02:53.440 --> 01:02:55.239
<v Speaker 2>I'm not going to handle I'm not going to handle

1196
01:02:55.280 --> 01:02:58.119
<v Speaker 2>this caller because I think we drop it when when

1197
01:02:58.239 --> 01:03:01.000
<v Speaker 2>callers are they don't tell us that truth. They try

1198
01:03:01.039 --> 01:03:01.400
<v Speaker 2>to get us.

1199
01:03:01.559 --> 01:03:05.280
<v Speaker 4>Why don't you think the caller told the truth and

1200
01:03:05.400 --> 01:03:08.039
<v Speaker 4>not the moron he was talking to at the post office.

1201
01:03:09.599 --> 01:03:12.599
<v Speaker 24>Well, you know, let me just finish what the gentleman

1202
01:03:12.639 --> 01:03:13.760
<v Speaker 24>at the post office is doing.

1203
01:03:13.880 --> 01:03:15.880
<v Speaker 2>And by the way, d did not talk to the

1204
01:03:15.920 --> 01:03:16.760
<v Speaker 2>guy he talked to him.

1205
01:03:16.800 --> 01:03:18.920
<v Speaker 5>No, no, I'm not talking to the guy you talk to.

1206
01:03:19.199 --> 01:03:22.000
<v Speaker 5>I'm talking about the guy he claims he talked too.

1207
01:03:22.920 --> 01:03:24.400
<v Speaker 12>Well, let me put it this way.

1208
01:03:24.440 --> 01:03:27.679
<v Speaker 24>The gentleman I contacted well within the post office is

1209
01:03:27.719 --> 01:03:30.480
<v Speaker 24>going to investigate this and he's going to enlist the

1210
01:03:30.599 --> 01:03:33.800
<v Speaker 24>help of the person who's in charge of the local

1211
01:03:33.920 --> 01:03:37.360
<v Speaker 24>postmaster to help resolve both of these issues. So the

1212
01:03:37.400 --> 01:03:40.239
<v Speaker 24>one who talked to him probably the one who talked

1213
01:03:40.239 --> 01:03:42.800
<v Speaker 24>to the consumer. Yeah, sounds to me like that lady

1214
01:03:42.960 --> 01:03:46.320
<v Speaker 24>was wrong. So the post office I think that. I

1215
01:03:46.400 --> 01:03:48.920
<v Speaker 24>wonder if the lady actually said it. Mark thinks maybe

1216
01:03:49.239 --> 01:03:50.039
<v Speaker 24>she did say.

1217
01:03:50.000 --> 01:03:52.599
<v Speaker 4>Dude, you know, they're better now, So I don't want

1218
01:03:52.639 --> 01:03:54.840
<v Speaker 4>to dog them like I used to, but they used

1219
01:03:54.840 --> 01:03:57.159
<v Speaker 4>to lie to me at the Franktown Post Office.

1220
01:03:57.440 --> 01:03:58.320
<v Speaker 5>They would say they.

1221
01:03:58.320 --> 01:04:00.760
<v Speaker 4>Tried to deliver stuff, there's nothing, and on a camera

1222
01:04:00.960 --> 01:04:03.239
<v Speaker 4>they're just outright liars. I mean, I don't know how

1223
01:04:03.320 --> 01:04:06.079
<v Speaker 4>else to put it, but I will clarify now that

1224
01:04:06.360 --> 01:04:07.679
<v Speaker 4>the majority of them are.

1225
01:04:07.639 --> 01:04:09.719
<v Speaker 5>Done and gone, and the new ones that are in,

1226
01:04:09.800 --> 01:04:10.960
<v Speaker 5>they're doing a better job.

1227
01:04:12.480 --> 01:04:14.880
<v Speaker 24>Great, Mark, Well, this gentleman is going to help us out.

1228
01:04:14.960 --> 01:04:17.800
<v Speaker 24>He's going to research this and get the assistance of

1229
01:04:18.880 --> 01:04:21.719
<v Speaker 24>you know, higher ups over there at Bellevue, and he's

1230
01:04:21.760 --> 01:04:22.679
<v Speaker 24>going to get back to us.

1231
01:04:22.760 --> 01:04:24.199
<v Speaker 2>He's going to get back to me and let me know.

1232
01:04:24.440 --> 01:04:26.599
<v Speaker 5>I can't wait to get a long term update on it,

1233
01:04:27.719 --> 01:04:28.519
<v Speaker 5>all right? Thanks?

1234
01:04:28.800 --> 01:04:32.920
<v Speaker 2>Three h three seven one three eight two five five.

1235
01:04:33.320 --> 01:04:37.360
<v Speaker 2>Do we have JEFFR. Cars On? Yes, we have Rod Greer. Rod.

1236
01:04:37.760 --> 01:04:41.480
<v Speaker 2>This guy's had nothing but trouble with his GMC, his

1237
01:04:41.639 --> 01:04:45.440
<v Speaker 2>twenty twenty one GMC brand new GMC Sierra. It's been

1238
01:04:45.480 --> 01:04:48.199
<v Speaker 2>in the shop one hundred and seventy days. But here's

1239
01:04:48.199 --> 01:04:51.119
<v Speaker 2>what I want to ask you, Rod, what would that

1240
01:04:51.559 --> 01:04:56.079
<v Speaker 2>get bring on trade in? How many miles on it?

1241
01:04:56.239 --> 01:05:00.119
<v Speaker 11>Ryan as have ninety thousand.

1242
01:05:00.519 --> 01:05:05.280
<v Speaker 2>Ninety thousand, so rod a twenty twenty one GMC Sierra.

1243
01:05:06.559 --> 01:05:09.679
<v Speaker 2>What what would it with ninety thousand miles? What would

1244
01:05:09.679 --> 01:05:10.679
<v Speaker 2>it bring in a trade?

1245
01:05:12.320 --> 01:05:15.440
<v Speaker 8>You guys come in a bad position. I'm actually rolling

1246
01:05:15.519 --> 01:05:17.360
<v Speaker 8>to get a new car from a dealer.

1247
01:05:17.440 --> 01:05:19.400
<v Speaker 17>But can give me if you can give me a

1248
01:05:19.440 --> 01:05:19.760
<v Speaker 17>little bit?

1249
01:05:20.280 --> 01:05:21.320
<v Speaker 2>Yes, it is.

1250
01:05:22.920 --> 01:05:24.960
<v Speaker 16>It a fifteen.

1251
01:05:26.239 --> 01:05:28.960
<v Speaker 11>It's a fifteen hundred eighty four and it has all

1252
01:05:29.039 --> 01:05:33.280
<v Speaker 11>the bells and whistles like the hud the improved the

1253
01:05:33.400 --> 01:05:35.960
<v Speaker 11>cameras all the way around, the improved sound system.

1254
01:05:36.599 --> 01:05:39.639
<v Speaker 7>It has all the bells in the in the four

1255
01:05:39.719 --> 01:05:41.159
<v Speaker 7>door or crew cap.

1256
01:05:41.599 --> 01:05:45.000
<v Speaker 2>Yes, sir, yes, sir Oka Okay.

1257
01:05:46.280 --> 01:05:48.119
<v Speaker 8>Has it ever had an accident or anything like that.

1258
01:05:48.840 --> 01:05:51.360
<v Speaker 2>Nope, just it's just a piece of crap. But don't

1259
01:05:51.480 --> 01:05:54.199
<v Speaker 2>don't take that into consideration, Rodney. When I say a

1260
01:05:54.239 --> 01:05:57.000
<v Speaker 2>piece of crap, he's had meetenance issues. But he's looking

1261
01:05:57.079 --> 01:05:59.199
<v Speaker 2>to trade it and he wants to know if they're

1262
01:05:59.239 --> 01:06:00.400
<v Speaker 2>giving him a fair price.

1263
01:06:01.519 --> 01:06:03.840
<v Speaker 17>Okay, I can definitely get that to you if you

1264
01:06:04.800 --> 01:06:06.519
<v Speaker 17>let me see if I can pull it up at

1265
01:06:07.199 --> 01:06:08.320
<v Speaker 17>the next viewership.

1266
01:06:08.360 --> 01:06:11.800
<v Speaker 2>I'm man. Whatever, Yeah, I give us a call. That

1267
01:06:11.920 --> 01:06:14.440
<v Speaker 2>would be great, Thank you, Okay, appreciate it. Three oh

1268
01:06:14.519 --> 01:06:17.440
<v Speaker 2>three seven, one, three, eight, two five five. Let's talk

1269
01:06:17.519 --> 01:06:20.639
<v Speaker 2>to Will, who has another car issue? Will, what's going on?

1270
01:06:22.840 --> 01:06:27.960
<v Speaker 19>Yeah, I had similar situation and I and I hired

1271
01:06:28.000 --> 01:06:30.840
<v Speaker 19>a lawyer, and he said, Colorado lemon laws don't work

1272
01:06:30.960 --> 01:06:33.679
<v Speaker 19>very well, but he went after a federal lemon law

1273
01:06:33.800 --> 01:06:35.199
<v Speaker 19>and was able to get it resolved.

1274
01:06:35.880 --> 01:06:39.360
<v Speaker 2>Now, that's really good to know. But I think I

1275
01:06:39.480 --> 01:06:42.920
<v Speaker 2>think what you're talking about is the the federal law.

1276
01:06:43.079 --> 01:06:43.480
<v Speaker 19>What is it?

1277
01:06:43.599 --> 01:06:45.719
<v Speaker 2>The Moss Magnuson Moss Act?

1278
01:06:45.800 --> 01:06:46.079
<v Speaker 5>Thank you?

1279
01:06:46.960 --> 01:06:48.119
<v Speaker 2>Is that it, sir?

1280
01:06:49.119 --> 01:06:49.679
<v Speaker 10>I'm not sure.

1281
01:06:49.719 --> 01:06:49.880
<v Speaker 3>I know.

1282
01:06:50.039 --> 01:06:53.039
<v Speaker 19>My situation was I had three the same problem. I

1283
01:06:53.079 --> 01:06:54.480
<v Speaker 19>had to be fixed three times.

1284
01:06:54.880 --> 01:06:57.599
<v Speaker 2>Right, that's right. Why why didn't the law? Why didn't

1285
01:06:57.599 --> 01:06:59.119
<v Speaker 2>the Colorado lemon law kick in?

1286
01:07:00.559 --> 01:07:02.559
<v Speaker 19>Because he said, it's a horrible lemon law.

1287
01:07:02.679 --> 01:07:04.960
<v Speaker 2>It just doesn't. Now what did the when? When when

1288
01:07:05.000 --> 01:07:08.039
<v Speaker 2>they went after you, when this attorney helped you, what

1289
01:07:08.199 --> 01:07:09.719
<v Speaker 2>did you get? What was the result?

1290
01:07:11.679 --> 01:07:15.239
<v Speaker 19>Well, he so he was reasonable. Mine wasn't as expensive

1291
01:07:15.239 --> 01:07:17.320
<v Speaker 19>as what you're doing. But he doesn't take any money

1292
01:07:17.440 --> 01:07:19.760
<v Speaker 19>up front, but he wants to split whatever he gets.

1293
01:07:20.559 --> 01:07:22.320
<v Speaker 19>So we settled for like three grand.

1294
01:07:23.840 --> 01:07:27.760
<v Speaker 2>Wait, wait, whatever he gets. So you kept the vehicle

1295
01:07:27.840 --> 01:07:30.559
<v Speaker 2>and got six grand and he took three or what

1296
01:07:30.760 --> 01:07:31.920
<v Speaker 2>tell me how this worked out?

1297
01:07:33.559 --> 01:07:37.400
<v Speaker 19>Well, So his deal is, I won't charge you anything.

1298
01:07:37.559 --> 01:07:39.760
<v Speaker 19>You have to agree upon the deal I get. I

1299
01:07:39.880 --> 01:07:41.480
<v Speaker 19>was getting nothing from the dealership.

1300
01:07:41.519 --> 01:07:42.760
<v Speaker 17>They weren't going to give me anything.

1301
01:07:42.880 --> 01:07:45.119
<v Speaker 19>He was in the shopper on it twenty days and

1302
01:07:45.159 --> 01:07:46.920
<v Speaker 19>they weren't going to give me anything. So he said, look,

1303
01:07:47.000 --> 01:07:50.039
<v Speaker 19>I'll get whatever I get. I'll give you half whatever

1304
01:07:50.119 --> 01:07:52.440
<v Speaker 19>I get, and you you can settle for it or

1305
01:07:52.519 --> 01:07:54.159
<v Speaker 19>not sell for what can.

1306
01:07:54.119 --> 01:07:56.960
<v Speaker 2>I get it? I get it? But what about But

1307
01:07:57.119 --> 01:07:59.599
<v Speaker 2>what about the vehicle itself? Did you keep it?

1308
01:08:01.800 --> 01:08:02.079
<v Speaker 19>I did?

1309
01:08:02.440 --> 01:08:03.480
<v Speaker 9>I didn't have any choice.

1310
01:08:03.559 --> 01:08:04.760
<v Speaker 19>Yeah, I mean I had to keep you.

1311
01:08:04.920 --> 01:08:06.639
<v Speaker 2>So are you still having trouble with it?

1312
01:08:08.320 --> 01:08:10.880
<v Speaker 19>No? It got fixed finally after the third time, and

1313
01:08:10.960 --> 01:08:13.400
<v Speaker 19>I haven't any trouble in the last six months months.

1314
01:08:14.360 --> 01:08:19.520
<v Speaker 2>Okay, okay, Well that's that's odd though, because I just

1315
01:08:20.439 --> 01:08:22.720
<v Speaker 2>I mean, it's a good way of doing business. Uh.

1316
01:08:23.239 --> 01:08:26.079
<v Speaker 2>You know, he takes half. But then if you still

1317
01:08:26.159 --> 01:08:28.800
<v Speaker 2>had a lemon, it wouldn't do you much good, right,

1318
01:08:28.960 --> 01:08:31.680
<v Speaker 2>I mean, think about that. I mean, but but you

1319
01:08:31.800 --> 01:08:34.199
<v Speaker 2>were you were able to get cash. It was fixed,

1320
01:08:34.239 --> 01:08:36.319
<v Speaker 2>so it worked out for you. But thank you for

1321
01:08:36.439 --> 01:08:39.840
<v Speaker 2>the comment thank you will three oh three seven one

1322
01:08:39.960 --> 01:08:42.880
<v Speaker 2>three talks seven one three eight two five five. So

1323
01:08:43.359 --> 01:08:46.359
<v Speaker 2>we have more coming up on the Troubleshooter show. Renew

1324
01:08:46.439 --> 01:08:51.399
<v Speaker 2>Home Innovations will get you beautiful shower conversions and they

1325
01:08:51.479 --> 01:08:55.000
<v Speaker 2>have stone resin walls look just like stone with no maintenance,

1326
01:08:55.079 --> 01:09:00.319
<v Speaker 2>glass panels, no thresholds to stumble or step over. You

1327
01:09:00.479 --> 01:09:03.239
<v Speaker 2>can wheel in, walk in with a walker, or of

1328
01:09:03.319 --> 01:09:06.159
<v Speaker 2>course just able bodied. It doesn't matter, but it helps

1329
01:09:06.239 --> 01:09:09.479
<v Speaker 2>you instead of getting those old, ugly walkin tubs, and

1330
01:09:09.600 --> 01:09:12.479
<v Speaker 2>you can get rid of your shower tub. Combo renew

1331
01:09:12.520 --> 01:09:15.000
<v Speaker 2>Home Innovations dot com two or three days to do

1332
01:09:15.159 --> 01:09:19.039
<v Speaker 2>these beautiful conversions, and then you have seventy two months

1333
01:09:19.079 --> 01:09:22.439
<v Speaker 2>to pay with no interest three oh three nine zero

1334
01:09:22.640 --> 01:09:32.159
<v Speaker 2>four two thousand. Go with a sure thing Denver's best

1335
01:09:32.239 --> 01:09:35.079
<v Speaker 2>roofer Excel Roofing dot com. You don't pay a cent

1336
01:09:35.319 --> 01:09:41.319
<v Speaker 2>until you're content. Time for an insurance check up free,

1337
01:09:41.479 --> 01:09:45.159
<v Speaker 2>no obligation. In comparison, call Compass Insurance paying too much

1338
01:09:45.319 --> 01:09:48.199
<v Speaker 2>your coverage at dozens of insurance companies. Find out now

1339
01:09:48.359 --> 01:09:50.600
<v Speaker 2>three oh three seven to seven to one help. You'll

1340
01:09:50.640 --> 01:09:53.359
<v Speaker 2>think you're his only customer when you choose Frank durand

1341
01:09:53.399 --> 01:09:55.800
<v Speaker 2>the real estate Man dot com to list your home

1342
01:09:56.039 --> 01:09:59.199
<v Speaker 2>with Remax Alliance three oh three nine two zero sixteen

1343
01:09:59.279 --> 01:10:08.079
<v Speaker 2>twenty two. Hello Tom Martino here, Jordan Piano joins us

1344
01:10:08.159 --> 01:10:10.279
<v Speaker 2>from my Moneymway dot com.

1345
01:10:10.680 --> 01:10:13.079
<v Speaker 4>I got someone that wants to run in exact number

1346
01:10:13.119 --> 01:10:15.359
<v Speaker 4>if I can give it to him, Yeah, let's do it.

1347
01:10:15.439 --> 01:10:16.560
<v Speaker 5>Well, I sent it to him.

1348
01:10:16.560 --> 01:10:17.880
<v Speaker 4>I don't know if he ran it yet, but the

1349
01:10:17.920 --> 01:10:21.760
<v Speaker 4>guy said one hundred thousand, Jordan, So one hundred thousand

1350
01:10:21.840 --> 01:10:24.960
<v Speaker 4>dollars annuity with the fifteen percent bonus.

1351
01:10:25.079 --> 01:10:26.720
<v Speaker 5>You guys give him immediately to.

1352
01:10:26.800 --> 01:10:29.399
<v Speaker 4>Grow and then if it sits and he's around the

1353
01:10:29.439 --> 01:10:32.720
<v Speaker 4>age of forty, if it sits till he's sixty five,

1354
01:10:33.359 --> 01:10:36.600
<v Speaker 4>and then turns on the income stream, how much is

1355
01:10:36.680 --> 01:10:40.359
<v Speaker 4>he guaranteed to get every month until the day he dies?

1356
01:10:41.199 --> 01:10:44.800
<v Speaker 15>Oh, either every year as well. Fifty six thousand a year?

1357
01:10:45.039 --> 01:10:48.119
<v Speaker 15>Oh my god, Yeah, it's a much bigger, because what.

1358
01:10:48.199 --> 01:10:51.039
<v Speaker 2>Are you kidding me? Really? Wait? Wait, wait, he'll get

1359
01:10:51.119 --> 01:10:53.680
<v Speaker 2>fifty six thousand a year a.

1360
01:10:53.800 --> 01:10:55.960
<v Speaker 15>Year off one hundred cake because again his time, you know,

1361
01:10:56.119 --> 01:10:58.640
<v Speaker 15>twenty five years. But the key thing is we'd roll

1362
01:10:58.680 --> 01:11:01.439
<v Speaker 15>it over into two two different annuities.

1363
01:11:01.560 --> 01:11:03.159
<v Speaker 2>One would be now why do you do that? I

1364
01:11:03.319 --> 01:11:06.680
<v Speaker 2>heard that strategy? Why do you do two different annuities?

1365
01:11:07.279 --> 01:11:11.159
<v Speaker 15>Yeah, so it's just really to restart the guaranteed step up.

1366
01:11:11.439 --> 01:11:12.720
<v Speaker 15>And so what I mean by that is a lot

1367
01:11:12.720 --> 01:11:16.800
<v Speaker 15>of the annuities might have some have the guaranteed component,

1368
01:11:16.880 --> 01:11:18.760
<v Speaker 15>but this stops after ten years or stops that they're

1369
01:11:18.800 --> 01:11:21.000
<v Speaker 15>fourteen or fifteen years, and so it's not going to

1370
01:11:21.119 --> 01:11:23.960
<v Speaker 15>keep on growing as much. Whereas if you do it

1371
01:11:24.000 --> 01:11:26.159
<v Speaker 15>in two annuities, you get to get the bonus in

1372
01:11:26.199 --> 01:11:28.159
<v Speaker 15>one and get it growing a lot, and then do

1373
01:11:28.199 --> 01:11:30.520
<v Speaker 15>it again, get a bonus again as well as I

1374
01:11:30.600 --> 01:11:33.039
<v Speaker 15>guaranteed step up. So that's how you can get.

1375
01:11:32.960 --> 01:11:33.439
<v Speaker 2>It up there.

1376
01:11:34.039 --> 01:11:36.600
<v Speaker 15>You know, it's not going to be much much different if.

1377
01:11:36.520 --> 01:11:37.680
<v Speaker 5>You think of that, Tom.

1378
01:11:38.199 --> 01:11:41.640
<v Speaker 4>So, that's forty six hundred and sixty six dollars a

1379
01:11:41.840 --> 01:11:45.319
<v Speaker 4>month at age sixty five that person would get forever.

1380
01:11:45.720 --> 01:11:47.600
<v Speaker 4>On top of that, they're going to get let's say

1381
01:11:47.680 --> 01:11:50.680
<v Speaker 4>what four or five six grand in social security?

1382
01:11:50.880 --> 01:11:52.560
<v Speaker 2>No, no, no, no, no, no, they don't get that

1383
01:11:52.720 --> 01:11:53.880
<v Speaker 2>much in social security.

1384
01:11:54.159 --> 01:11:54.760
<v Speaker 5>You don't think so?

1385
01:11:55.319 --> 01:12:00.239
<v Speaker 2>Hell no, Mark, Mark. I can tell you from from

1386
01:12:00.279 --> 01:12:03.199
<v Speaker 2>a standpoint of a very high wage earner that I

1387
01:12:03.319 --> 01:12:07.000
<v Speaker 2>know for the last forty quarters, very high.

1388
01:12:07.520 --> 01:12:11.079
<v Speaker 4>Yeah, and he is getting thirty five hundred a month.

1389
01:12:11.720 --> 01:12:14.800
<v Speaker 4>Oh no, kid, is that after it's paying for medicare?

1390
01:12:15.079 --> 01:12:18.399
<v Speaker 4>It says here, Yes, the highest is forty eight seventy three.

1391
01:12:19.800 --> 01:12:23.199
<v Speaker 2>Well I should be I should be getting the highest, and.

1392
01:12:23.279 --> 01:12:24.359
<v Speaker 5>That's age seventy.

1393
01:12:24.560 --> 01:12:26.760
<v Speaker 2>But no, but here's you want my mine went up?

1394
01:12:26.840 --> 01:12:29.199
<v Speaker 2>You're right, Oh, that's if you wait till seventy I

1395
01:12:29.279 --> 01:12:32.960
<v Speaker 2>started getting minus sixty six and I got I was

1396
01:12:33.000 --> 01:12:35.600
<v Speaker 2>getting about for you. It made sense, so I was

1397
01:12:35.640 --> 01:12:38.359
<v Speaker 2>getting a Yeah, it was for for various reasons. It

1398
01:12:38.439 --> 01:12:42.479
<v Speaker 2>made sense because I had minor kids and so so

1399
01:12:42.680 --> 01:12:44.479
<v Speaker 2>I got a lot of money because of the kids

1400
01:12:44.600 --> 01:12:48.239
<v Speaker 2>and me. But now as the kids drop off, I

1401
01:12:48.520 --> 01:12:53.319
<v Speaker 2>get I'm thinking around four grand with the With the

1402
01:12:53.439 --> 01:12:55.439
<v Speaker 2>new I get about four grand.

1403
01:12:55.439 --> 01:12:59.119
<v Speaker 4>After that's after it's taken money out for medicare. Yes, yes,

1404
01:12:59.560 --> 01:13:02.119
<v Speaker 4>but think about that. So forty eight hundred right now,

1405
01:13:02.199 --> 01:13:04.000
<v Speaker 4>it's going to be higher. Of course in twenty five

1406
01:13:04.119 --> 01:13:07.880
<v Speaker 4>years plus. That innuity is basically paying the exact same

1407
01:13:07.960 --> 01:13:13.199
<v Speaker 4>amount that person could put themselves easily to guaranteed one

1408
01:13:13.319 --> 01:13:16.039
<v Speaker 4>hundred and ten thousand dollars a month.

1409
01:13:17.279 --> 01:13:20.880
<v Speaker 5>Well, I'm sorry, a year, but so good. Yeah, no,

1410
01:13:21.000 --> 01:13:21.720
<v Speaker 5>it's incredible.

1411
01:13:22.279 --> 01:13:24.399
<v Speaker 4>There's a lot of people right now listening going, oh

1412
01:13:24.479 --> 01:13:26.199
<v Speaker 4>my god, I wish I had ten grand a month

1413
01:13:26.319 --> 01:13:26.680
<v Speaker 4>coming in.

1414
01:13:27.640 --> 01:13:29.920
<v Speaker 15>Absolutely as well as you know, don't forget that long

1415
01:13:30.000 --> 01:13:32.119
<v Speaker 15>term care benefit that is on our product.

1416
01:13:32.159 --> 01:13:33.800
<v Speaker 5>Well what does that part do, Jordan?

1417
01:13:33.880 --> 01:13:34.439
<v Speaker 2>What is that long?

1418
01:13:34.520 --> 01:13:34.840
<v Speaker 5>What does that?

1419
01:13:34.960 --> 01:13:35.079
<v Speaker 2>Oh?

1420
01:13:35.319 --> 01:13:37.359
<v Speaker 5>Does that mean? It like doubles as something?

1421
01:13:38.199 --> 01:13:38.720
<v Speaker 17>Exactly?

1422
01:13:38.840 --> 01:13:40.760
<v Speaker 15>So if they're getting you know, let's say that that

1423
01:13:40.920 --> 01:13:43.600
<v Speaker 15>four or five grand on this product here, well, if

1424
01:13:43.600 --> 01:13:46.239
<v Speaker 15>they ever need long term care living assistance in house

1425
01:13:46.279 --> 01:13:48.560
<v Speaker 15>out of house, it doesn't matter because they get with

1426
01:13:48.720 --> 01:13:50.479
<v Speaker 15>our product here and it doubles. You hit it right

1427
01:13:50.520 --> 01:13:52.720
<v Speaker 15>on the head. So they get almost ten grands on

1428
01:13:52.840 --> 01:13:55.920
<v Speaker 15>our product alone plus obsecurity. Now you're sitting real pretty.

1429
01:13:57.000 --> 01:13:59.079
<v Speaker 4>That's amazing. And then what does that mean? Does that

1430
01:13:59.199 --> 01:14:01.199
<v Speaker 4>mean you have to be your deathbed to get that

1431
01:14:01.359 --> 01:14:02.119
<v Speaker 4>double benefit?

1432
01:14:03.319 --> 01:14:05.600
<v Speaker 15>No, no, no, it's just like regular long term here.

1433
01:14:05.640 --> 01:14:08.760
<v Speaker 4>You know, you there's basically three things that are referred

1434
01:14:08.760 --> 01:14:12.199
<v Speaker 4>to as necessities that you have to basically qualify for

1435
01:14:12.359 --> 01:14:12.840
<v Speaker 4>to kick it in.

1436
01:14:13.399 --> 01:14:15.600
<v Speaker 15>Two to six, Yeah, two to six, like you know,

1437
01:14:15.720 --> 01:14:18.800
<v Speaker 15>like bathing yourself, you can't cook, you can't bathe you

1438
01:14:18.920 --> 01:14:19.880
<v Speaker 15>got it exactly so.

1439
01:14:20.039 --> 01:14:21.560
<v Speaker 5>And then and then that dot.

1440
01:14:21.399 --> 01:14:23.840
<v Speaker 15>Its and that's right. And that product we're talking about

1441
01:14:23.880 --> 01:14:25.079
<v Speaker 15>fifteen percent bonus.

1442
01:14:25.319 --> 01:14:28.279
<v Speaker 5>That's amazing. And I guess the reason for that is

1443
01:14:28.399 --> 01:14:31.239
<v Speaker 5>then that that extra is for someone to come in

1444
01:14:31.359 --> 01:14:32.479
<v Speaker 5>and do that stuff for you.

1445
01:14:32.800 --> 01:14:35.199
<v Speaker 15>You got it, and they know, they know. Just like

1446
01:14:35.239 --> 01:14:37.199
<v Speaker 15>Social Security, it's a lot of big numbers. Some people

1447
01:14:37.560 --> 01:14:40.880
<v Speaker 15>live longer, some people unfortunately shorter. So it's just a

1448
01:14:40.920 --> 01:14:43.039
<v Speaker 15>matter of our your lifespan and all that.

1449
01:14:43.359 --> 01:14:45.079
<v Speaker 4>Do you have anybody, and I'm not kidding, do you

1450
01:14:45.159 --> 01:14:48.439
<v Speaker 4>have anybody making three four hundred thousand a year off

1451
01:14:48.520 --> 01:14:50.640
<v Speaker 4>of one of your products over a period of time

1452
01:14:51.079 --> 01:14:51.279
<v Speaker 4>or no?

1453
01:14:51.399 --> 01:14:54.720
<v Speaker 15>Way, No, that is a good question. Yeah I do. Actually,

1454
01:14:55.279 --> 01:14:58.319
<v Speaker 15>you know, we have a couple that's pretty young and

1455
01:14:58.520 --> 01:15:01.680
<v Speaker 15>he's about the thirty eight years old, a very nice

1456
01:15:01.720 --> 01:15:04.039
<v Speaker 15>Indian couple. He's done a lot of software work and

1457
01:15:04.119 --> 01:15:06.600
<v Speaker 15>he's him come here and he has almost I don't

1458
01:15:06.600 --> 01:15:08.680
<v Speaker 15>want say his name rate is almost a eight hundred

1459
01:15:08.720 --> 01:15:11.840
<v Speaker 15>thousand dollars to way in four one ks at that age.

1460
01:15:11.920 --> 01:15:15.119
<v Speaker 15>Can you imagine? So he has his money at thirty

1461
01:15:15.159 --> 01:15:17.239
<v Speaker 15>eight years old, and that's what he's just been doing

1462
01:15:17.279 --> 01:15:20.680
<v Speaker 15>his whole time here and then saying, so we crazy products. Yes,

1463
01:15:20.720 --> 01:15:22.119
<v Speaker 15>it'll pay a lot, that'll pay a lot.

1464
01:15:22.399 --> 01:15:23.199
<v Speaker 5>That's nuts, man.

1465
01:15:24.520 --> 01:15:28.920
<v Speaker 2>So but here's the deal. Mark, I don't think a

1466
01:15:29.039 --> 01:15:32.000
<v Speaker 2>lot of people would have one hundred grand at forty oh.

1467
01:15:32.119 --> 01:15:33.079
<v Speaker 5>I disagree with that.

1468
01:15:33.279 --> 01:15:35.199
<v Speaker 4>I think a lot of people that get a job with,

1469
01:15:36.079 --> 01:15:39.159
<v Speaker 4>you know, a bigger company when they're either right out

1470
01:15:39.199 --> 01:15:42.000
<v Speaker 4>of college in that four oh one k's building for

1471
01:15:42.479 --> 01:15:46.880
<v Speaker 4>fifteen years maybe yeah, yeah, company. For I just think

1472
01:15:47.000 --> 01:15:49.399
<v Speaker 4>it's probably way more than your thinking. Now there's a

1473
01:15:49.439 --> 01:15:51.640
<v Speaker 4>lot of people that don't, but I think it's a

1474
01:15:51.720 --> 01:15:53.079
<v Speaker 4>lot more than what you're thinking.

1475
01:15:53.319 --> 01:15:55.560
<v Speaker 5>What if you found Jordan found Jordan.

1476
01:15:55.439 --> 01:15:57.640
<v Speaker 15>You're absolutely right, you know, and I'll say, we work

1477
01:15:57.720 --> 01:15:59.479
<v Speaker 15>with anybody, so I want to put that out there first,

1478
01:15:59.479 --> 01:16:01.760
<v Speaker 15>you know, more or less the same thing for us,

1479
01:16:01.800 --> 01:16:04.880
<v Speaker 15>But we found how'd she have forty? You have probably

1480
01:16:04.920 --> 01:16:06.680
<v Speaker 15>shot on there, Mark, You probably find about one hundred

1481
01:16:06.680 --> 01:16:08.560
<v Speaker 15>and maybe two hundred thousand, as long as they haven't

1482
01:16:08.560 --> 01:16:09.680
<v Speaker 15>tapped into it, and.

1483
01:16:09.720 --> 01:16:11.439
<v Speaker 5>Then where they make most of their money.

1484
01:16:11.479 --> 01:16:14.000
<v Speaker 4>If I still you know, I'm not sure my numbers

1485
01:16:14.039 --> 01:16:17.199
<v Speaker 4>are still correct, but most at least males and probably

1486
01:16:17.319 --> 01:16:19.920
<v Speaker 4>females at this point make most of their money in

1487
01:16:19.960 --> 01:16:21.640
<v Speaker 4>their fifties towards retirement.

1488
01:16:21.920 --> 01:16:23.319
<v Speaker 20>Retirement, true, true.

1489
01:16:23.319 --> 01:16:25.399
<v Speaker 15>And just you know then you spent fac there of

1490
01:16:25.560 --> 01:16:26.680
<v Speaker 15>having you know, the kids out of that.

1491
01:16:26.800 --> 01:16:29.279
<v Speaker 2>Now we have a question. We have a question here too,

1492
01:16:29.479 --> 01:16:31.520
<v Speaker 2>from Deputy d go ahead.

1493
01:16:31.279 --> 01:16:32.479
<v Speaker 5>D Hi Jordan.

1494
01:16:32.680 --> 01:16:35.800
<v Speaker 24>Over the weekend, I had a conversation with my eighteen

1495
01:16:35.880 --> 01:16:39.079
<v Speaker 24>year old niece who's very smart and very mature, and

1496
01:16:39.239 --> 01:16:42.520
<v Speaker 24>she has saved up ten thousand dollars from her after

1497
01:16:42.640 --> 01:16:47.079
<v Speaker 24>school work, and we were discussing various investment options for her,

1498
01:16:47.680 --> 01:16:50.680
<v Speaker 24>and I was wondering, if you what would you recommend

1499
01:16:50.720 --> 01:16:53.720
<v Speaker 24>to an eighteen year old who has ten thousand and

1500
01:16:53.960 --> 01:16:55.560
<v Speaker 24>no foreseeable need to touch that?

1501
01:16:56.760 --> 01:16:58.760
<v Speaker 15>Well, you know that's where I know Tom loves to

1502
01:16:58.960 --> 01:17:01.119
<v Speaker 15>talk about this product, and which is as well. That'd

1503
01:17:01.119 --> 01:17:01.840
<v Speaker 15>be the second.

1504
01:17:01.640 --> 01:17:02.279
<v Speaker 16>Product we offer.

1505
01:17:02.439 --> 01:17:03.920
<v Speaker 15>The want to deal with two products. One of the

1506
01:17:03.960 --> 01:17:06.279
<v Speaker 15>annuity we just mentioned she's a little too young for

1507
01:17:06.359 --> 01:17:09.439
<v Speaker 15>the annuity itself, but really the second product.

1508
01:17:09.520 --> 01:17:12.199
<v Speaker 2>But why is you sure before you go on, why

1509
01:17:12.319 --> 01:17:14.279
<v Speaker 2>is she too young for the annuity? I'm just curious.

1510
01:17:14.439 --> 01:17:17.279
<v Speaker 2>I mean, if ten grand festered for fifty years, that

1511
01:17:17.359 --> 01:17:18.680
<v Speaker 2>would be a hell of a lot of money.

1512
01:17:19.399 --> 01:17:22.000
<v Speaker 15>True, yes, but they're not going to have that guaranteed

1513
01:17:22.039 --> 01:17:25.600
<v Speaker 15>component at that age, and so they only in the market,

1514
01:17:26.119 --> 01:17:28.399
<v Speaker 15>and which is fine, so because they won't lose money

1515
01:17:28.399 --> 01:17:30.640
<v Speaker 15>when it goes down. So they could, They could do it,

1516
01:17:30.800 --> 01:17:32.960
<v Speaker 15>but a lot of times they want to see them

1517
01:17:33.000 --> 01:17:35.399
<v Speaker 15>probably in their thirties or so, maybe fortyes.

1518
01:17:35.439 --> 01:17:36.880
<v Speaker 2>Okay, okay, that's weird.

1519
01:17:37.039 --> 01:17:39.239
<v Speaker 15>Yeah yeah, yeah, yeah, but I mean you just don't

1520
01:17:39.279 --> 01:17:41.199
<v Speaker 15>do it. You're just gonna get it as well of

1521
01:17:41.760 --> 01:17:43.720
<v Speaker 15>the benefits. You'd have to roll it over a few times.

1522
01:17:44.039 --> 01:17:45.720
<v Speaker 15>So so that is possible. But I would say to

1523
01:17:45.800 --> 01:17:48.359
<v Speaker 15>become the banker of life insurance accounting. That's the product

1524
01:17:48.359 --> 01:17:50.600
<v Speaker 15>I always talking about where I've put money into it.

1525
01:17:50.720 --> 01:17:54.319
<v Speaker 15>I've used the account to purchase vehicles, pay myself back.

1526
01:17:54.920 --> 01:17:58.159
<v Speaker 2>M Yeah, but she have to I need to know this.

1527
01:17:58.800 --> 01:18:00.199
<v Speaker 2>Would she have do.

1528
01:18:02.920 --> 01:18:07.560
<v Speaker 15>Keep feeding it continually funded? Yeah, So there's options. One

1529
01:18:07.600 --> 01:18:09.880
<v Speaker 15>would be the best often be yes, if she's gonna

1530
01:18:09.920 --> 01:18:12.000
<v Speaker 15>keep on doing after school work and that you know,

1531
01:18:12.079 --> 01:18:15.439
<v Speaker 15>whatever she's gonna put in that her age is pretty affordable.

1532
01:18:15.479 --> 01:18:17.720
<v Speaker 15>You needed just one hundred bucks or seven five bucks

1533
01:18:17.720 --> 01:18:19.520
<v Speaker 15>a month, you know that age should be great with

1534
01:18:19.720 --> 01:18:22.560
<v Speaker 15>the ten k lump sum, and by doing that, her

1535
01:18:22.640 --> 01:18:25.359
<v Speaker 15>ten thousand is just basically moving from her left pocket

1536
01:18:25.399 --> 01:18:28.840
<v Speaker 15>to her right pocket earnings about five percent interest tax free.

1537
01:18:29.199 --> 01:18:31.359
<v Speaker 5>Well, and then the other thing is she can actually

1538
01:18:31.560 --> 01:18:33.359
<v Speaker 5>lend that money to herself.

1539
01:18:33.439 --> 01:18:35.880
<v Speaker 4>Let's say she goes and buys a car for ten grand,

1540
01:18:36.199 --> 01:18:39.079
<v Speaker 4>and that ten grand is sitting in that account. Instead

1541
01:18:39.119 --> 01:18:42.119
<v Speaker 4>of paying interest somewhere else on the car, she can

1542
01:18:42.199 --> 01:18:46.199
<v Speaker 4>actually borrow her own money, make payments back into there,

1543
01:18:46.640 --> 01:18:50.359
<v Speaker 4>and charge yourself interest on it. That's tax deferred, right.

1544
01:18:51.560 --> 01:18:52.399
<v Speaker 16>The tax defer park.

1545
01:18:52.600 --> 01:18:54.319
<v Speaker 15>You have to have a big one for that, the

1546
01:18:54.439 --> 01:18:57.920
<v Speaker 15>tax deferral. Okay, definitely, it's tax free. The castid growing

1547
01:18:58.000 --> 01:19:00.279
<v Speaker 15>tax free. You can use a tax free but right

1548
01:19:00.319 --> 01:19:03.439
<v Speaker 15>on mark. That is the philosophy of becoming your own banker.

1549
01:19:03.720 --> 01:19:06.119
<v Speaker 15>Get rid of the banks, heel finance your own purchases,

1550
01:19:06.439 --> 01:19:08.079
<v Speaker 15>especially at her age, my gush.

1551
01:19:08.399 --> 01:19:11.039
<v Speaker 2>So you can have a beautiful because you feed yourself,

1552
01:19:11.239 --> 01:19:13.079
<v Speaker 2>you feed yourself back the interest.

1553
01:19:14.039 --> 01:19:15.960
<v Speaker 15>Correct, And I just wanted to answer your question.

1554
01:19:16.039 --> 01:19:16.199
<v Speaker 2>Though.

1555
01:19:16.359 --> 01:19:18.079
<v Speaker 15>You could also do the other option where you just

1556
01:19:18.159 --> 01:19:20.760
<v Speaker 15>dump the money in once and never pay again. That

1557
01:19:20.880 --> 01:19:22.479
<v Speaker 15>isn't in their option, but you do lose the tax

1558
01:19:22.560 --> 01:19:23.079
<v Speaker 15>free benefit.

1559
01:19:23.319 --> 01:19:27.199
<v Speaker 24>So but you, well, I go ahead, that sounds very attractive.

1560
01:19:27.439 --> 01:19:29.560
<v Speaker 24>She can dump the money in there and not touch

1561
01:19:29.640 --> 01:19:32.039
<v Speaker 24>it for forty years. What would happen?

1562
01:19:32.159 --> 01:19:34.560
<v Speaker 15>She could she could touch a shoe. The benefit of this.

1563
01:19:34.920 --> 01:19:37.359
<v Speaker 4>She can loan it to herself but it's still there, yeah,

1564
01:19:37.359 --> 01:19:38.920
<v Speaker 4>and then pay it back on purpose.

1565
01:19:39.880 --> 01:19:40.079
<v Speaker 2>Yeah.

1566
01:19:40.439 --> 01:19:42.560
<v Speaker 12>So, so the idea is just to generate that interest.

1567
01:19:42.920 --> 01:19:46.279
<v Speaker 2>Yeah, on your arm. And so listen, So do you

1568
01:19:46.600 --> 01:19:50.319
<v Speaker 2>have to when you do an annuity, let's say at

1569
01:19:50.399 --> 01:19:52.880
<v Speaker 2>thirty or forty or whatever, do you have to wait

1570
01:19:52.960 --> 01:19:55.319
<v Speaker 2>to retirement to take payments or can you take them

1571
01:19:55.319 --> 01:19:55.960
<v Speaker 2>at any age?

1572
01:19:56.600 --> 01:19:58.399
<v Speaker 15>You could take them at any age. Now, keep in mind,

1573
01:19:58.560 --> 01:20:00.479
<v Speaker 15>I should say, let me, let me, let me person,

1574
01:20:00.600 --> 01:20:04.039
<v Speaker 15>I would qualified money you obviously you want them give.

1575
01:20:03.880 --> 01:20:05.520
<v Speaker 2>You got to be fifty nine and a half or

1576
01:20:05.600 --> 01:20:07.760
<v Speaker 2>all that, or pay or pay out the nose.

1577
01:20:08.680 --> 01:20:11.319
<v Speaker 15>Yeah right, yeah, but you you wouldn't do that, right,

1578
01:20:11.600 --> 01:20:12.239
<v Speaker 15>you'd be fine.

1579
01:20:12.920 --> 01:20:15.560
<v Speaker 4>But both of those products, Jordan, can you roll over

1580
01:20:15.640 --> 01:20:18.399
<v Speaker 4>a four to one K or some kind of account, absolutely,

1581
01:20:18.520 --> 01:20:21.199
<v Speaker 4>any qualified account into him into.

1582
01:20:21.119 --> 01:20:24.520
<v Speaker 15>Anything sets Ira roth And the best thing is you're

1583
01:20:24.560 --> 01:20:26.079
<v Speaker 15>not paying any taxes on you roll it over.

1584
01:20:26.359 --> 01:20:27.760
<v Speaker 5>And deputy Indeed, listen to this.

1585
01:20:28.720 --> 01:20:31.439
<v Speaker 4>I'll tell you why I know about this product is

1586
01:20:31.560 --> 01:20:34.159
<v Speaker 4>because I've known Joe and Jordan for a long time,

1587
01:20:34.520 --> 01:20:37.840
<v Speaker 4>and Joe, when Jordan was a youngster, set it up

1588
01:20:37.920 --> 01:20:40.880
<v Speaker 4>for him. Tell people out there, really what you did

1589
01:20:40.960 --> 01:20:42.319
<v Speaker 4>with that account with Dad?

1590
01:20:42.880 --> 01:20:45.159
<v Speaker 15>I basically I was sixteen years old when I first

1591
01:20:45.199 --> 01:20:47.479
<v Speaker 15>found out about it. My father funded it for our

1592
01:20:47.560 --> 01:20:49.960
<v Speaker 15>college funding account. But the best part was I was

1593
01:20:50.039 --> 01:20:52.199
<v Speaker 15>ready to get a vehicle and Mark said it you

1594
01:20:52.319 --> 01:20:54.520
<v Speaker 15>borrow the money against it, you know, taking it from it,

1595
01:20:54.560 --> 01:20:56.560
<v Speaker 15>you brought against it. I was able to purchase my

1596
01:20:56.680 --> 01:20:59.920
<v Speaker 15>jeep pay myself backed up over three years. All that

1597
01:21:00.119 --> 01:21:02.800
<v Speaker 15>interest I would have lost to the bank, all the interests.

1598
01:21:02.479 --> 01:21:06.000
<v Speaker 2>That I made on the money went into his life insurance,

1599
01:21:06.239 --> 01:21:06.680
<v Speaker 2>my bucket.

1600
01:21:06.880 --> 01:21:10.359
<v Speaker 15>Yeah, and I've done it numerous times with more vehicles, homes.

1601
01:21:10.600 --> 01:21:12.840
<v Speaker 15>And that's why I'm saying for her age, she's gonna

1602
01:21:12.880 --> 01:21:16.720
<v Speaker 15>have a wonderful uh, just a product of taxing money.

1603
01:21:17.199 --> 01:21:19.199
<v Speaker 4>And I want to point out to Deputy DCXA is

1604
01:21:19.239 --> 01:21:21.119
<v Speaker 4>he is one of the answer. Notice what he said.

1605
01:21:21.439 --> 01:21:24.079
<v Speaker 4>So she puts the ten grand in. What happens is

1606
01:21:24.560 --> 01:21:28.119
<v Speaker 4>she actually borrows that ten grand, never leaves that account,

1607
01:21:28.399 --> 01:21:31.479
<v Speaker 4>but she can borrow it at a certain interest rate,

1608
01:21:31.640 --> 01:21:33.319
<v Speaker 4>depending on what the interest rate is.

1609
01:21:33.560 --> 01:21:34.920
<v Speaker 5>Let's just take three percent.

1610
01:21:35.319 --> 01:21:38.039
<v Speaker 4>So she borrows that money at three percent, but that

1611
01:21:38.239 --> 01:21:41.680
<v Speaker 4>money is still sitting in there growing with its own

1612
01:21:41.920 --> 01:21:45.880
<v Speaker 4>interest at the same time, then she can pay herself back.

1613
01:21:45.960 --> 01:21:50.720
<v Speaker 15>Right, And that's why that is the idea. Use the money.

1614
01:21:51.119 --> 01:21:52.920
<v Speaker 2>All right, We got to take a quick break. I'm

1615
01:21:52.960 --> 01:21:55.119
<v Speaker 2>Tom Martinez. If you have any questions, give us a call.

1616
01:21:55.479 --> 01:22:02.199
<v Speaker 2>Genesis tootalexteriors dot com. You're so for any kind of

1617
01:22:02.680 --> 01:22:06.319
<v Speaker 2>mold detection and mitigation. Now they added that to their

1618
01:22:06.399 --> 01:22:11.560
<v Speaker 2>repertoire of exterior products. Now they do interior mold inspections

1619
01:22:11.680 --> 01:22:22.039
<v Speaker 2>and their honest Genesis Total Exteriors dot com. Go with

1620
01:22:22.119 --> 01:22:25.560
<v Speaker 2>a sure thing Denver's Best roofer Excel Roofing dot com.

1621
01:22:25.760 --> 01:22:31.359
<v Speaker 2>You don't pay a cent until you're content than time

1622
01:22:31.399 --> 01:22:35.239
<v Speaker 2>for an insurance checkup free no obligation comparison call Compass

1623
01:22:35.319 --> 01:22:38.560
<v Speaker 2>Insurance paying too much your coverage at dozens of insurance

1624
01:22:38.600 --> 01:22:41.079
<v Speaker 2>companies find out now three O three, seven to seven

1625
01:22:41.119 --> 01:22:43.840
<v Speaker 2>to one help. You'll think you're his only customer when

1626
01:22:43.880 --> 01:22:46.159
<v Speaker 2>you choose Frank durand the Real Estate Man dot com

1627
01:22:46.399 --> 01:22:49.520
<v Speaker 2>to list your home with Remax Alliance three oh three

1628
01:22:49.600 --> 01:23:01.079
<v Speaker 2>nine two zero sixteen twenty two dot com Tom Martino

1629
01:23:01.319 --> 01:23:06.399
<v Speaker 2>your troubleshooter three oh three seven one three talk seven

1630
01:23:06.479 --> 01:23:11.800
<v Speaker 2>one three eight two five five. Okay, let's go back

1631
01:23:11.880 --> 01:23:17.680
<v Speaker 2>to the phones and solve some problems for you. Vanessa.

1632
01:23:18.640 --> 01:23:23.359
<v Speaker 2>I think Vanessa is next. Vanessa. What's going on.

1633
01:23:27.399 --> 01:23:28.520
<v Speaker 5>Is we're sweating?

1634
01:23:29.079 --> 01:23:31.600
<v Speaker 2>Gees up? Now go ahead? GE's up, now, go ahead.

1635
01:23:31.760 --> 01:23:34.600
<v Speaker 2>I'm sorry, Vanessa. Hi, what's going on? Vanessa?

1636
01:23:35.159 --> 01:23:35.319
<v Speaker 1>Oh?

1637
01:23:35.960 --> 01:23:36.199
<v Speaker 15>Good?

1638
01:23:36.560 --> 01:23:40.359
<v Speaker 3>Well I didn't get the information for the guest Johanna

1639
01:23:40.399 --> 01:23:43.479
<v Speaker 3>on the show regarding an investment.

1640
01:23:43.640 --> 01:23:44.359
<v Speaker 5>Oh that's our bad.

1641
01:23:44.479 --> 01:23:48.720
<v Speaker 16>I actually, yeah, my bad.

1642
01:23:49.479 --> 01:23:51.960
<v Speaker 3>I just left the bank. You try to set up

1643
01:23:51.960 --> 01:23:56.520
<v Speaker 3>an appointment for my daughters, for my d and probably

1644
01:23:56.640 --> 01:23:59.880
<v Speaker 3>myself myself here.

1645
01:24:00.000 --> 01:24:00.560
<v Speaker 2>Why don't you go?

1646
01:24:00.960 --> 01:24:01.159
<v Speaker 3>You know?

1647
01:24:01.760 --> 01:24:04.399
<v Speaker 2>Can I let me just say something is straight up

1648
01:24:04.479 --> 01:24:09.760
<v Speaker 2>about investing. Banks are the worst place you can go. Okay,

1649
01:24:10.359 --> 01:24:18.399
<v Speaker 2>you want registered investment advisors or certified financial planners. And

1650
01:24:18.880 --> 01:24:26.439
<v Speaker 2>certified financial planners are certified by FINRA and that stands

1651
01:24:26.520 --> 01:24:31.560
<v Speaker 2>for this organization, and then registered investment advisors are either

1652
01:24:31.720 --> 01:24:35.840
<v Speaker 2>registered with the State of Colorado or with the Securities

1653
01:24:35.960 --> 01:24:40.199
<v Speaker 2>and Exchange Commission, depending on the amount of assets they manage.

1654
01:24:40.800 --> 01:24:43.760
<v Speaker 2>But the reason I tell you that is not because

1655
01:24:43.840 --> 01:24:47.399
<v Speaker 2>the state or the government guarantees them. But they do

1656
01:24:47.720 --> 01:24:51.239
<v Speaker 2>say that they passed the qualified tests and did the

1657
01:24:51.319 --> 01:24:55.680
<v Speaker 2>proper registrations and have the proper insurances and bonding and

1658
01:24:55.760 --> 01:24:58.600
<v Speaker 2>all of that, right, Jordan, I mean, there is something

1659
01:24:58.640 --> 01:25:02.399
<v Speaker 2>to be said about regulation when it comes to investing

1660
01:25:02.880 --> 01:25:07.399
<v Speaker 2>because and it's really it really got better since made off.

1661
01:25:07.680 --> 01:25:11.239
<v Speaker 2>I mean, I'm telling you it is not an easy

1662
01:25:11.359 --> 01:25:16.359
<v Speaker 2>thing to become a registered investment advisor or a certified financial.

1663
01:25:16.479 --> 01:25:19.319
<v Speaker 5>And I can't emphasize this enough for you, Vanessa.

1664
01:25:19.720 --> 01:25:25.720
<v Speaker 4>For Jordan's father teaches the courses that people have to

1665
01:25:25.880 --> 01:25:29.520
<v Speaker 4>pass to be able to become a fiduciary in Colorado.

1666
01:25:29.760 --> 01:25:32.840
<v Speaker 5>He's like the teacher of the investment people. The investment

1667
01:25:33.119 --> 01:25:34.199
<v Speaker 5>very true and wow.

1668
01:25:35.119 --> 01:25:37.600
<v Speaker 3>And I think that's what I love about the most,

1669
01:25:38.920 --> 01:25:42.479
<v Speaker 3>just because i had a hard time setting up things

1670
01:25:42.560 --> 01:25:47.640
<v Speaker 3>for myself. I'm thirty seven and I have a nineteen

1671
01:25:47.720 --> 01:25:49.560
<v Speaker 3>year old in a two.

1672
01:25:49.479 --> 01:25:51.000
<v Speaker 10>To these seventeen year olds.

1673
01:25:52.039 --> 01:25:56.039
<v Speaker 3>When I go to multiple places in the springs, I

1674
01:25:56.279 --> 01:26:01.520
<v Speaker 3>feel that the environment or expectation and is for people

1675
01:26:01.680 --> 01:26:04.680
<v Speaker 3>to come with, you know, hundreds of thousands of dollars.

1676
01:26:05.119 --> 01:26:08.239
<v Speaker 2>Yeah, you're exactly right, Vanessa. That's one thing that I

1677
01:26:08.399 --> 01:26:12.520
<v Speaker 2>can't stand about investment people. They don't want to look

1678
01:26:12.560 --> 01:26:14.239
<v Speaker 2>at you if you don't have tons of money.

1679
01:26:14.439 --> 01:26:15.399
<v Speaker 5>But that's that's not.

1680
01:26:15.560 --> 01:26:18.960
<v Speaker 4>The that's why that becomes a banker for especially your

1681
01:26:19.079 --> 01:26:21.840
<v Speaker 4>kids and maybe even her at thirty seven is great

1682
01:26:21.920 --> 01:26:23.920
<v Speaker 4>because it doesn't really matter what you start with.

1683
01:26:24.319 --> 01:26:26.640
<v Speaker 5>You just constantly add to it. You add to it.

1684
01:26:26.960 --> 01:26:27.479
<v Speaker 17>That's right now.

1685
01:26:27.640 --> 01:26:30.720
<v Speaker 2>One thing I do want to mention, Okay, I want

1686
01:26:30.760 --> 01:26:34.840
<v Speaker 2>to mention this to Vanessa. Vanessa, if you get involved

1687
01:26:35.119 --> 01:26:38.520
<v Speaker 2>in any kind of an investment, whether it's an investment

1688
01:26:38.600 --> 01:26:42.119
<v Speaker 2>advisor or you do something through Joe Kiano a certified

1689
01:26:42.159 --> 01:26:46.720
<v Speaker 2>financial planner, you do an insurance policy that you purposely overfund,

1690
01:26:47.239 --> 01:26:50.199
<v Speaker 2>or a small annuity or whatever. No matter what you

1691
01:26:50.359 --> 01:26:55.520
<v Speaker 2>get involved in, you still you as a consumer need

1692
01:26:55.760 --> 01:26:59.520
<v Speaker 2>to be involved. That doesn't mean you need to be

1693
01:26:59.600 --> 01:27:02.359
<v Speaker 2>involved in each and every investment, but you need to

1694
01:27:02.439 --> 01:27:06.159
<v Speaker 2>be involved, like if you do the overfunding of life insurance.

1695
01:27:06.720 --> 01:27:10.039
<v Speaker 2>One of the big mistakes people make is when they

1696
01:27:10.119 --> 01:27:14.279
<v Speaker 2>get involved in that, they don't take advantage of the

1697
01:27:14.520 --> 01:27:18.920
<v Speaker 2>benefits like the borrowing where if you're going to use

1698
01:27:19.039 --> 01:27:22.720
<v Speaker 2>money anyway from someone else and you have it available

1699
01:27:22.840 --> 01:27:26.159
<v Speaker 2>in your own account, you should borrow it from yourself

1700
01:27:26.640 --> 01:27:31.520
<v Speaker 2>because the interest that you pay goes right back to

1701
01:27:31.960 --> 01:27:37.640
<v Speaker 2>your own account. And so many people, for example, Jordan,

1702
01:27:37.720 --> 01:27:41.119
<v Speaker 2>we had one person that complained one time and I said, well,

1703
01:27:41.199 --> 01:27:43.600
<v Speaker 2>I find that hard to believe because Joe and Jordan

1704
01:27:44.039 --> 01:27:46.920
<v Speaker 2>do such a good job. And her complaint was this,

1705
01:27:48.000 --> 01:27:51.119
<v Speaker 2>she had borrowed money from the account and she never

1706
01:27:51.520 --> 01:27:54.239
<v Speaker 2>paid it back, which is fine, you're allowed to do that,

1707
01:27:55.199 --> 01:27:58.119
<v Speaker 2>but her cash value was going down, and I said, well,

1708
01:27:58.199 --> 01:28:02.119
<v Speaker 2>you're using the money. She didn't understand that you have

1709
01:28:02.319 --> 01:28:04.840
<v Speaker 2>to pay it back with interest to make that grow,

1710
01:28:05.479 --> 01:28:09.039
<v Speaker 2>just like you would pay back a bank, and so

1711
01:28:09.319 --> 01:28:11.279
<v Speaker 2>you just have to know how to use it.

1712
01:28:13.279 --> 01:28:16.079
<v Speaker 15>Is that right, Jordan's You're right, yes, that's something that

1713
01:28:16.119 --> 01:28:18.680
<v Speaker 15>we stress. We want to help meet with clients and

1714
01:28:18.840 --> 01:28:22.119
<v Speaker 15>educating because you're you're spot on with people out there

1715
01:28:22.159 --> 01:28:24.960
<v Speaker 15>with the financial world, it's sometimes confusing for consumers. You

1716
01:28:25.159 --> 01:28:26.319
<v Speaker 15>might feel like you have to have a lot of money.

1717
01:28:26.600 --> 01:28:28.039
<v Speaker 15>We don't believe in that. We want to help take

1718
01:28:28.039 --> 01:28:30.640
<v Speaker 15>you by the hand, educate you on some great products,

1719
01:28:30.960 --> 01:28:33.520
<v Speaker 15>and at least meet once to twice a year just

1720
01:28:33.560 --> 01:28:35.560
<v Speaker 15>to help kind of remind you and use all these

1721
01:28:35.720 --> 01:28:37.560
<v Speaker 15>these moneys to your benefits. So give us a call

1722
01:28:37.960 --> 01:28:40.279
<v Speaker 15>and or visit our website. Had become the banker dot org,

1723
01:28:40.600 --> 01:28:42.760
<v Speaker 15>and we can we can definitely set you in your

1724
01:28:43.039 --> 01:28:43.479
<v Speaker 15>daughter up.

1725
01:28:44.600 --> 01:28:48.960
<v Speaker 2>Yeah and yes, and kat China will make sure you

1726
01:28:49.039 --> 01:28:51.439
<v Speaker 2>get that numbers three She'll she'll make sure you get

1727
01:28:51.479 --> 01:28:54.960
<v Speaker 2>that number three oh three seven seven nine sixty six

1728
01:28:55.119 --> 01:29:04.840
<v Speaker 2>hundred more coming right up. Go with a sure thing

1729
01:29:05.000 --> 01:29:08.279
<v Speaker 2>Denver's Best roofer Excel Roofing dot com. You don't pay

1730
01:29:08.319 --> 01:29:14.119
<v Speaker 2>a cent until you're content. Please time for an insurance

1731
01:29:14.239 --> 01:29:18.359
<v Speaker 2>check up free, no obligation comparison call Compass Insurance paying

1732
01:29:18.399 --> 01:29:21.439
<v Speaker 2>too much your coverage at dozens of insurance companies find

1733
01:29:21.439 --> 01:29:24.159
<v Speaker 2>out now three oh three seven seven one help. You'll

1734
01:29:24.239 --> 01:29:26.960
<v Speaker 2>think you're his only customer when you choose Frank durand

1735
01:29:27.000 --> 01:29:29.399
<v Speaker 2>the real estate Man dot com to list your home

1736
01:29:29.640 --> 01:29:32.800
<v Speaker 2>with Remax Alliance three oh three nine two zero sixteen

1737
01:29:32.840 --> 01:29:33.520
<v Speaker 2>twenty two.

1738
01:29:39.199 --> 01:29:47.840
<v Speaker 1>Ris needed that who you don't have? Come run incous

1739
01:29:47.920 --> 01:29:52.319
<v Speaker 1>as fast as we can. Show Shooter's gonna help come.

1740
01:29:53.880 --> 01:29:56.039
<v Speaker 5>Six is the Troubleshooter Show.

1741
01:29:56.720 --> 01:30:01.560
<v Speaker 2>No Tom Martinez Hi, hey, Tom Martino here. Welcome to

1742
01:30:01.640 --> 01:30:04.399
<v Speaker 2>the show. Three zero three seven one three talk seven

1743
01:30:04.439 --> 01:30:08.640
<v Speaker 2>one three eight two five five Solving problems, answering questions,

1744
01:30:08.760 --> 01:30:11.319
<v Speaker 2>taking appoints, and making your life just a little easier.

1745
01:30:11.439 --> 01:30:15.560
<v Speaker 2>Peggy has a general contracting question, and we got the paperwork.

1746
01:30:15.640 --> 01:30:17.279
<v Speaker 2>I need to look at it. Did she send it?

1747
01:30:17.640 --> 01:30:21.680
<v Speaker 2>Did you send it to me as well? Guys, Pegan said.

1748
01:30:21.720 --> 01:30:23.960
<v Speaker 5>Waiting for the rest of it. She only set one page.

1749
01:30:25.079 --> 01:30:27.279
<v Speaker 2>There is some kind of estimate with a price. They

1750
01:30:27.359 --> 01:30:31.119
<v Speaker 2>both signed it. She's wondering if she's bound by it.

1751
01:30:31.239 --> 01:30:35.399
<v Speaker 2>She wants to try to cancel because she found out

1752
01:30:35.439 --> 01:30:37.920
<v Speaker 2>she has to move the sewer line and it's going

1753
01:30:38.000 --> 01:30:41.680
<v Speaker 2>to be way too expensive. Well, thank god she didn't

1754
01:30:41.720 --> 01:30:44.920
<v Speaker 2>give the guy any money up front. I'd like to

1755
01:30:45.039 --> 01:30:49.079
<v Speaker 2>know this. What is he asking for for you to

1756
01:30:49.159 --> 01:30:55.119
<v Speaker 2>cancel it? I'm sure you talked to him already, Peggy, Peggy,

1757
01:30:56.479 --> 01:30:57.600
<v Speaker 2>what did he ask for?

1758
01:30:59.560 --> 01:31:05.079
<v Speaker 16>Well, he did ask for for Cancelationey.

1759
01:31:03.720 --> 01:31:05.680
<v Speaker 2>How much? How much? How much?

1760
01:31:05.760 --> 01:31:07.319
<v Speaker 16>I didn't fifty to cancel?

1761
01:31:09.239 --> 01:31:11.720
<v Speaker 2>Well, one hundred and fifty dollars. Wait a minute, that's

1762
01:31:11.800 --> 01:31:13.680
<v Speaker 2>all he wants is one hundred and fifty dollars.

1763
01:31:13.920 --> 01:31:15.199
<v Speaker 5>That's pretty damn fair.

1764
01:31:15.880 --> 01:31:18.279
<v Speaker 2>And then wait, wait, wait, even even the time it

1765
01:31:18.359 --> 01:31:21.720
<v Speaker 2>took to run right up the proposal? Is that what

1766
01:31:21.840 --> 01:31:24.279
<v Speaker 2>you're calling about? One hundred and fifty dollars?

1767
01:31:25.159 --> 01:31:27.920
<v Speaker 16>Well, I'm hoping that he's not going to hold me

1768
01:31:28.079 --> 01:31:29.680
<v Speaker 16>for other liability.

1769
01:31:30.159 --> 01:31:32.600
<v Speaker 2>No, no, what did he say? Where did you come

1770
01:31:32.680 --> 01:31:34.000
<v Speaker 2>up with one hundred and fifty?

1771
01:31:34.640 --> 01:31:36.800
<v Speaker 16>It's on the contract that I'm trying to send you.

1772
01:31:38.079 --> 01:31:38.319
<v Speaker 3>Are that?

1773
01:31:38.560 --> 01:31:38.840
<v Speaker 4>I mean?

1774
01:31:38.880 --> 01:31:41.680
<v Speaker 2>They ask can we just call the contractor? Did he

1775
01:31:41.840 --> 01:31:43.520
<v Speaker 2>say he wants you to pay more than that?

1776
01:31:44.479 --> 01:31:44.520
<v Speaker 19>No?

1777
01:31:45.039 --> 01:31:48.640
<v Speaker 16>He didn't. He hasn't contacted me since, and I'm nervous

1778
01:31:48.920 --> 01:31:51.279
<v Speaker 16>it might turn into something bigger.

1779
01:31:51.359 --> 01:31:53.920
<v Speaker 5>I think you're just being paranoid, Peggy. I don't see

1780
01:31:53.960 --> 01:31:54.840
<v Speaker 5>this as a big deal.

1781
01:31:55.359 --> 01:31:57.560
<v Speaker 2>I mean, let's look at it first. Okay, let's just.

1782
01:31:57.680 --> 01:31:58.640
<v Speaker 16>Glad you think that.

1783
01:31:59.640 --> 01:32:03.039
<v Speaker 2>No, no, no, I mean, now you didn't want us

1784
01:32:03.079 --> 01:32:04.840
<v Speaker 2>to you didn't want to give us his name? And

1785
01:32:05.079 --> 01:32:06.119
<v Speaker 2>is there a reason for that?

1786
01:32:07.079 --> 01:32:08.800
<v Speaker 16>I just don't want anything to happen.

1787
01:32:10.199 --> 01:32:12.600
<v Speaker 2>Well, are you threatened? I mean, did this guy seem

1788
01:32:12.680 --> 01:32:13.720
<v Speaker 2>intimidating to you?

1789
01:32:14.720 --> 01:32:17.800
<v Speaker 16>Well, he wasn't happy when I canceled, Let's put.

1790
01:32:17.640 --> 01:32:20.920
<v Speaker 2>It that way. What did he say when you canceled.

1791
01:32:23.319 --> 01:32:27.880
<v Speaker 16>He said, all right, I will contact you later or

1792
01:32:27.920 --> 01:32:30.640
<v Speaker 16>something I can't remember Tom, I mean him.

1793
01:32:31.119 --> 01:32:32.239
<v Speaker 2>Can we call him for you?

1794
01:32:33.000 --> 01:32:39.119
<v Speaker 16>Please? Don't please, just give me a chance to attach

1795
01:32:39.600 --> 01:32:40.760
<v Speaker 16>send you this all right?

1796
01:32:41.479 --> 01:32:45.119
<v Speaker 2>Okay, So what if after reading this we still have questions.

1797
01:32:45.199 --> 01:32:46.960
<v Speaker 2>You don't want us to contact him, You want to

1798
01:32:47.000 --> 01:32:48.279
<v Speaker 2>do all this all alone.

1799
01:32:49.039 --> 01:32:49.960
<v Speaker 16>Yes, I would like that.

1800
01:32:50.159 --> 01:32:53.319
<v Speaker 2>Yes, because you're afraid he might do something to you.

1801
01:32:55.439 --> 01:32:58.359
<v Speaker 16>The way the world's going, you just don't know.

1802
01:32:58.720 --> 01:32:58.920
<v Speaker 2>Yeah.

1803
01:32:58.960 --> 01:33:01.760
<v Speaker 4>I think that's probably good answer from her. Actually, I

1804
01:33:01.800 --> 01:33:03.520
<v Speaker 4>think it's just a little bit of paranoia.

1805
01:33:03.560 --> 01:33:06.039
<v Speaker 25>Fairness of the contractor. He was hoping to get a

1806
01:33:06.199 --> 01:33:10.000
<v Speaker 25>job and now he doesn't, So anybody would be upset

1807
01:33:10.079 --> 01:33:10.920
<v Speaker 25>to lose a little bit.

1808
01:33:10.800 --> 01:33:14.720
<v Speaker 4>Of work, of course, But I don't think I think

1809
01:33:14.800 --> 01:33:16.720
<v Speaker 4>if he was a bad guy I think he would

1810
01:33:16.720 --> 01:33:18.560
<v Speaker 4>have showed his true colors by now.

1811
01:33:19.880 --> 01:33:25.039
<v Speaker 16>Well, I'm hoping to avoid that. That's all. Can I

1812
01:33:25.720 --> 01:33:27.359
<v Speaker 16>get this and then send it to you?

1813
01:33:27.520 --> 01:33:27.680
<v Speaker 2>Yes?

1814
01:33:29.000 --> 01:33:31.199
<v Speaker 16>Yes, you can talk about it another time.

1815
01:33:31.520 --> 01:33:34.439
<v Speaker 2>You Peggy, We'll talk to you today. Even when once

1816
01:33:34.520 --> 01:33:36.640
<v Speaker 2>we get it, how's that we look at We're not

1817
01:33:36.720 --> 01:33:38.800
<v Speaker 2>going to pressure you. We're not going to pressure you

1818
01:33:38.920 --> 01:33:42.079
<v Speaker 2>to do anything that makes you feel unsafe, but we'd

1819
01:33:42.199 --> 01:33:43.520
<v Speaker 2>like to look at it and we'll talk to you.

1820
01:33:44.279 --> 01:33:45.800
<v Speaker 2>Don't hang up, well, we'll talk to you in a

1821
01:33:45.880 --> 01:33:49.680
<v Speaker 2>few minutes, okay, okay, all right, hang on three oh

1822
01:33:49.760 --> 01:33:52.720
<v Speaker 2>three seven one three talk seven one three eight two

1823
01:33:52.840 --> 01:33:56.279
<v Speaker 2>five five. Somebody wants to know for Jordan Kiano, who's

1824
01:33:56.319 --> 01:33:59.720
<v Speaker 2>with my moneymway dot com talking about fixed index to

1825
01:33:59.840 --> 01:34:04.479
<v Speaker 2>new If someone puts a minimum money down like ten grand,

1826
01:34:04.560 --> 01:34:08.800
<v Speaker 2>twenty grand, whatever, a lump sum, is there any commitment

1827
01:34:08.920 --> 01:34:11.800
<v Speaker 2>in an annuity to keep contributing like there is for

1828
01:34:12.520 --> 01:34:13.920
<v Speaker 2>a life insurance premiums?

1829
01:34:14.800 --> 01:34:17.119
<v Speaker 15>Very good question, and there is no commitment. The only

1830
01:34:17.159 --> 01:34:20.439
<v Speaker 15>commitment is just the minimum, which most companies make about

1831
01:34:20.479 --> 01:34:22.600
<v Speaker 15>ten thousand dollars of the minimum they want.

1832
01:34:23.800 --> 01:34:26.520
<v Speaker 2>So you do not have to keep feeding the beast

1833
01:34:26.600 --> 01:34:27.359
<v Speaker 2>unless you want to.

1834
01:34:28.279 --> 01:34:29.039
<v Speaker 20>You got it, yep.

1835
01:34:29.279 --> 01:34:31.920
<v Speaker 2>And so you can leave it open. You can leave

1836
01:34:31.920 --> 01:34:34.079
<v Speaker 2>it open so whenever you have extra money, you can

1837
01:34:34.119 --> 01:34:34.760
<v Speaker 2>throw it in there.

1838
01:34:35.439 --> 01:34:36.199
<v Speaker 16>You got it, yep.

1839
01:34:36.279 --> 01:34:38.000
<v Speaker 15>The only time that you can't put extra money is

1840
01:34:38.079 --> 01:34:40.720
<v Speaker 15>once you start flipping the income on. Once the income's on,

1841
01:34:40.760 --> 01:34:42.560
<v Speaker 15>you can't put any more money on. But yeah, you

1842
01:34:42.600 --> 01:34:44.000
<v Speaker 15>can leave it open to do it once and then

1843
01:34:44.039 --> 01:34:46.640
<v Speaker 15>wait ten years put money in again. But I would

1844
01:34:46.680 --> 01:34:49.279
<v Speaker 15>suggest getting a few of them and ladder them out.

1845
01:34:49.600 --> 01:34:52.720
<v Speaker 15>Get the bonuses, have a couple annuities, they'll cost you

1846
01:34:52.800 --> 01:34:54.119
<v Speaker 15>the same. If it's all in one or a few

1847
01:34:54.119 --> 01:34:55.640
<v Speaker 15>of them, that benefits the turn.

1848
01:34:55.680 --> 01:34:59.239
<v Speaker 2>Why is the ladder better? Why is laddering better?

1849
01:35:00.079 --> 01:35:02.199
<v Speaker 15>Yeah, it's just for the main reasons to be able

1850
01:35:02.239 --> 01:35:04.439
<v Speaker 15>to turn. Maybe I'd say somebody has one hundred thousand

1851
01:35:04.520 --> 01:35:07.600
<v Speaker 15>or three hundred thousand, they could basically turn. If they

1852
01:35:07.640 --> 01:35:09.560
<v Speaker 15>have three of them, they could turn one on and

1853
01:35:09.760 --> 01:35:12.119
<v Speaker 15>let the other two continue to grow. And if they

1854
01:35:12.159 --> 01:35:14.600
<v Speaker 15>all have it in just one account, well then they

1855
01:35:14.680 --> 01:35:16.600
<v Speaker 15>have to take the full payout. They can't let some

1856
01:35:16.640 --> 01:35:18.720
<v Speaker 15>of it grow and some of the payout. So when

1857
01:35:18.760 --> 01:35:21.319
<v Speaker 15>you ladder it, you have the option to have the

1858
01:35:21.439 --> 01:35:24.560
<v Speaker 15>account still grow, earn you money and wait for you

1859
01:35:24.720 --> 01:35:26.199
<v Speaker 15>to take if you don't have to pay taxes.

1860
01:35:26.239 --> 01:35:35.960
<v Speaker 2>If it's qualified money, okay, well here's the deal. To

1861
01:35:36.119 --> 01:35:38.600
<v Speaker 2>the caller or to the text or who wanted to

1862
01:35:38.680 --> 01:35:44.359
<v Speaker 2>know that you got your answer, there's a lump sum. However,

1863
01:35:44.760 --> 01:35:46.479
<v Speaker 2>it may not be the best option. If you have

1864
01:35:46.600 --> 01:35:48.880
<v Speaker 2>other money that you can feed it now and then

1865
01:35:50.439 --> 01:35:53.359
<v Speaker 2>thank you now. Someone said, if the lady sewer line

1866
01:35:53.479 --> 01:35:56.880
<v Speaker 2>has anything to do with the new garage, the contractor

1867
01:35:57.039 --> 01:36:00.800
<v Speaker 2>should have either included it in the st or at

1868
01:36:00.920 --> 01:36:05.239
<v Speaker 2>least have known it and noted it and writing so

1869
01:36:05.439 --> 01:36:09.039
<v Speaker 2>that lady said that she signed an estimate, He signed

1870
01:36:09.079 --> 01:36:13.760
<v Speaker 2>the estimate. She accepted the estimate, which could be like

1871
01:36:13.840 --> 01:36:17.640
<v Speaker 2>a contract. Maybe we should ask Brad O'Brien if he

1872
01:36:17.760 --> 01:36:22.039
<v Speaker 2>thinks acceptance of an estimate is the same as a contract.

1873
01:36:22.319 --> 01:36:24.600
<v Speaker 2>But if we're only talking about one hundred and fifty

1874
01:36:24.640 --> 01:36:28.239
<v Speaker 2>dollars a cancelation fee, my god.

1875
01:36:28.119 --> 01:36:29.840
<v Speaker 25>And I think she said that the city were the

1876
01:36:29.880 --> 01:36:32.119
<v Speaker 25>ones that said she needed a new sewer line, not

1877
01:36:32.279 --> 01:36:33.039
<v Speaker 25>the contractor.

1878
01:36:33.439 --> 01:36:35.720
<v Speaker 2>They said she had to move it. The only she

1879
01:36:36.079 --> 01:36:38.039
<v Speaker 2>doesn't need a new one, she just has to move

1880
01:36:38.079 --> 01:36:40.840
<v Speaker 2>it if and I wonder if that's because the garage

1881
01:36:40.960 --> 01:36:43.279
<v Speaker 2>is going over the sewer line and you're not allowed

1882
01:36:43.319 --> 01:36:48.720
<v Speaker 2>to do that. That's the clarification I need, Peggy, Who

1883
01:36:48.880 --> 01:36:51.800
<v Speaker 2>exactly and when did the city do that? I mean,

1884
01:36:52.199 --> 01:36:55.199
<v Speaker 2>dides city come out and inspect your site or something?

1885
01:36:55.560 --> 01:36:57.880
<v Speaker 2>When were you told you have to move your sewer line?

1886
01:36:58.479 --> 01:36:59.760
<v Speaker 2>This is what I don't understand.

1887
01:37:00.600 --> 01:37:05.760
<v Speaker 16>The contractor gave me a name of a person called Mainline,

1888
01:37:05.920 --> 01:37:09.119
<v Speaker 16>and he came out and did a copy of it

1889
01:37:10.520 --> 01:37:15.359
<v Speaker 16>of the sewer. He said it looked okay. I decided

1890
01:37:15.399 --> 01:37:19.359
<v Speaker 16>to call fix AT twenty one and plumb Line to

1891
01:37:19.479 --> 01:37:22.960
<v Speaker 16>get their opinion on it. Yeah, and they told me

1892
01:37:23.159 --> 01:37:26.680
<v Speaker 16>it would cost anywhere from eight to twenty five thousand

1893
01:37:27.239 --> 01:37:28.560
<v Speaker 16>to repair the sewer.

1894
01:37:29.119 --> 01:37:32.319
<v Speaker 2>Okay, but this wait, see that? Now I'm confused. I'm

1895
01:37:32.439 --> 01:37:38.199
<v Speaker 2>really confused, Peggy. This has nothing to do with that contract.

1896
01:37:38.479 --> 01:37:42.319
<v Speaker 2>Are you just saying that what's wrong with your sewer line?

1897
01:37:42.359 --> 01:37:43.319
<v Speaker 5>What is wrong with it?

1898
01:37:44.319 --> 01:37:48.279
<v Speaker 16>Well, the Mainline guy told me it was okay, But

1899
01:37:48.399 --> 01:37:50.640
<v Speaker 16>when fix A twenty four came out, they said there's

1900
01:37:50.680 --> 01:37:56.319
<v Speaker 16>a crack and it also needs some repair the city.

1901
01:37:57.000 --> 01:37:59.079
<v Speaker 2>Hold on. And then what did Plumbline say?

1902
01:38:00.399 --> 01:38:02.039
<v Speaker 16>They said basically the same thing.

1903
01:38:02.640 --> 01:38:05.359
<v Speaker 2>Okay, so hold on. They're two good companies. But here's

1904
01:38:05.399 --> 01:38:08.359
<v Speaker 2>what I need to know, Peggy. I was thinking it

1905
01:38:08.560 --> 01:38:12.840
<v Speaker 2>was because of the garage being built that you had

1906
01:38:12.920 --> 01:38:13.720
<v Speaker 2>to move the sewer.

1907
01:38:14.239 --> 01:38:17.800
<v Speaker 16>But it's not move the sewer. No, I have to

1908
01:38:19.000 --> 01:38:21.439
<v Speaker 16>in order to put a garage on top of it.

1909
01:38:21.800 --> 01:38:24.479
<v Speaker 16>I have to replace the sewer line quick.

1910
01:38:24.680 --> 01:38:26.279
<v Speaker 5>I don't think you can build it on top.

1911
01:38:27.159 --> 01:38:29.479
<v Speaker 8>That's right, that's okay, that's so peggy.

1912
01:38:29.960 --> 01:38:35.279
<v Speaker 2>But even if the garage is not put up, you

1913
01:38:35.680 --> 01:38:39.600
<v Speaker 2>still need to repair the sewer. Is that right?

1914
01:38:40.439 --> 01:38:41.000
<v Speaker 16>Eventually?

1915
01:38:41.199 --> 01:38:41.399
<v Speaker 15>Yes?

1916
01:38:42.079 --> 01:38:46.239
<v Speaker 2>Okay, okay, So you have two problems. One, if you

1917
01:38:46.319 --> 01:38:48.359
<v Speaker 2>build the garage, you have to move the sewer, or

1918
01:38:48.560 --> 01:38:51.479
<v Speaker 2>even if you don't build the garage, you're gonna eventually

1919
01:38:51.600 --> 01:38:52.399
<v Speaker 2>have to replace it.

1920
01:38:53.319 --> 01:38:53.680
<v Speaker 16>Correct.

1921
01:38:54.399 --> 01:38:58.359
<v Speaker 2>Now, if you eventually have to replace it anyway, and

1922
01:38:58.520 --> 01:39:01.600
<v Speaker 2>you can find someone to do it economically and at

1923
01:39:01.640 --> 01:39:04.079
<v Speaker 2>the same time move it, since you're gonna have to

1924
01:39:04.159 --> 01:39:07.960
<v Speaker 2>do that repair anyway, I can't see it costing you

1925
01:39:08.079 --> 01:39:10.520
<v Speaker 2>that much more to move it if you're gonna repair it,

1926
01:39:11.000 --> 01:39:14.119
<v Speaker 2>because they can simply start over. I mean, I don't know,

1927
01:39:14.960 --> 01:39:17.279
<v Speaker 2>you know, and I would get another, yet another bid.

1928
01:39:17.680 --> 01:39:21.199
<v Speaker 2>Those companies are very good, but there are there are

1929
01:39:21.319 --> 01:39:28.159
<v Speaker 2>companies that will do it much cheaper. Okay, Mark wouldn't.

1930
01:39:28.239 --> 01:39:30.239
<v Speaker 2>Wouldn't Master Router do it cheaper?

1931
01:39:31.359 --> 01:39:35.600
<v Speaker 4>Master Router probably would do it cheaper. Yes, don't they

1932
01:39:35.720 --> 01:39:39.520
<v Speaker 4>guarantee the lowest price. They definitely do that, Okay, let's

1933
01:39:39.560 --> 01:39:42.000
<v Speaker 4>be honest about it. Then they I want you to

1934
01:39:42.039 --> 01:39:44.520
<v Speaker 4>get another bid, and but ask them to how much

1935
01:39:44.560 --> 01:39:47.000
<v Speaker 4>would it cost to Do you really want the garage

1936
01:39:47.079 --> 01:39:47.359
<v Speaker 4>or are.

1937
01:39:47.239 --> 01:39:48.880
<v Speaker 2>You trying to get out of it anyway? Let's be

1938
01:39:48.960 --> 01:39:50.760
<v Speaker 2>honest there, do you want to get out of it anyway?

1939
01:39:51.520 --> 01:39:51.560
<v Speaker 21>No?

1940
01:39:51.800 --> 01:39:56.279
<v Speaker 2>I really wanted to Okay, all right, then listen, what

1941
01:39:56.560 --> 01:40:01.720
<v Speaker 2>if what if you could move it and it's not

1942
01:40:01.880 --> 01:40:04.119
<v Speaker 2>gonna cost you what you think it's gonna cost you?

1943
01:40:05.199 --> 01:40:07.239
<v Speaker 2>How much can you go to get it moved? And

1944
01:40:07.520 --> 01:40:09.760
<v Speaker 2>we're not going to tell master, We're just asking you.

1945
01:40:10.199 --> 01:40:12.439
<v Speaker 2>How much extra can you go since you're gonna have

1946
01:40:12.520 --> 01:40:15.840
<v Speaker 2>to do a repair anyway? How much? Tell me how

1947
01:40:15.960 --> 01:40:20.319
<v Speaker 2>much you could afford to move to spend on that

1948
01:40:20.399 --> 01:40:21.000
<v Speaker 2>sewer line?

1949
01:40:23.279 --> 01:40:26.439
<v Speaker 16>Maybe and I'm being optimistic five thousand.

1950
01:40:27.760 --> 01:40:28.920
<v Speaker 5>I don't see that happening.

1951
01:40:29.640 --> 01:40:30.159
<v Speaker 16>I agree.

1952
01:40:31.880 --> 01:40:34.439
<v Speaker 5>Just the trench work and I mean that's yeah, that's

1953
01:40:34.520 --> 01:40:35.560
<v Speaker 5>a lot man and.

1954
01:40:38.800 --> 01:40:42.439
<v Speaker 16>Cement, Well, it's got it. It's underneath the cement that

1955
01:40:42.560 --> 01:40:43.199
<v Speaker 16>I have now.

1956
01:40:43.359 --> 01:40:47.239
<v Speaker 2>Oh yeah, yeah, you're right. The concrete driveway right.

1957
01:40:48.560 --> 01:40:53.920
<v Speaker 4>Yeah, so Pegy, so you're not going to be would

1958
01:40:53.960 --> 01:40:57.000
<v Speaker 4>you be able to put up like a car port

1959
01:40:57.760 --> 01:40:59.760
<v Speaker 4>without messing with all this other stuff?

1960
01:41:00.680 --> 01:41:01.920
<v Speaker 16>Not according to the city.

1961
01:41:02.119 --> 01:41:04.520
<v Speaker 5>Okay, it's probably right if the city said it.

1962
01:41:05.279 --> 01:41:07.159
<v Speaker 16>Yeah, he said, why would you want to do that?

1963
01:41:08.239 --> 01:41:09.960
<v Speaker 16>Why would you want to put anything on it?

1964
01:41:11.880 --> 01:41:14.600
<v Speaker 2>Meaning? What if you ever had a replacement, you'd have

1965
01:41:15.039 --> 01:41:16.079
<v Speaker 2>a major problem.

1966
01:41:16.239 --> 01:41:19.880
<v Speaker 16>Right, Well, there's supposed to be some kind of a

1967
01:41:20.119 --> 01:41:25.039
<v Speaker 16>foam that you can help reduce the pressure of the building.

1968
01:41:25.560 --> 01:41:27.640
<v Speaker 16>Don't quote me on this. I'm new at this.

1969
01:41:28.279 --> 01:41:31.239
<v Speaker 2>Yeah, don't know. No, No, it has nothing to do

1970
01:41:31.319 --> 01:41:34.600
<v Speaker 2>with that. So Peggy, I think I think everyone's right.

1971
01:41:34.800 --> 01:41:37.880
<v Speaker 2>I think that you can't. You can't put the thing

1972
01:41:38.000 --> 01:41:40.760
<v Speaker 2>on there, and you do have to move it. But

1973
01:41:40.920 --> 01:41:42.520
<v Speaker 2>even if you don't move it, you're going to have

1974
01:41:42.600 --> 01:41:45.920
<v Speaker 2>to get it fixed. Have you ever had sewer backups?

1975
01:41:46.760 --> 01:41:50.159
<v Speaker 16>No, the line looks fine, it's cleaned out.

1976
01:41:50.680 --> 01:41:53.279
<v Speaker 5>Maybe maybe it's time to find a new house that's

1977
01:41:53.319 --> 01:41:54.279
<v Speaker 5>got a garage for you.

1978
01:41:55.199 --> 01:41:56.960
<v Speaker 16>I know I thought of that too, but I love

1979
01:41:57.039 --> 01:41:57.520
<v Speaker 16>my house.

1980
01:41:58.239 --> 01:42:02.239
<v Speaker 2>Yeah, send us the rest of that contract.

1981
01:42:02.359 --> 01:42:02.920
<v Speaker 16>We'll get to it.

1982
01:42:03.720 --> 01:42:06.439
<v Speaker 2>Hi, we got more, Okay, we got more coming up

1983
01:42:06.479 --> 01:42:14.279
<v Speaker 2>on the Troubleshooter Show. Go with a Sure Thing Denver's

1984
01:42:14.319 --> 01:42:17.159
<v Speaker 2>Best Roofer Excel Roofing dot com. You don't pay a

1985
01:42:17.319 --> 01:42:23.439
<v Speaker 2>cent until you're content than time for an insurance checkup,

1986
01:42:23.520 --> 01:42:27.560
<v Speaker 2>free no obligation comparison call Compass insurance paying too much

1987
01:42:27.720 --> 01:42:30.600
<v Speaker 2>your coverage at dozens of insurance companies. Find out now

1988
01:42:30.760 --> 01:42:33.239
<v Speaker 2>three oh three seven seven to one help. You'll think

1989
01:42:33.279 --> 01:42:35.840
<v Speaker 2>you're his only customer when you choose Frank durand the

1990
01:42:35.880 --> 01:42:38.520
<v Speaker 2>real estate man dot com to list your home with

1991
01:42:38.640 --> 01:42:44.000
<v Speaker 2>Remax Alliance three oh three nine two zero sixteen twenty two. Hi,

1992
01:42:44.600 --> 01:42:47.479
<v Speaker 2>Tom Martino here three O three seven one three talk

1993
01:42:48.479 --> 01:42:52.159
<v Speaker 2>seven one three eight two five five. All right, let's

1994
01:42:52.239 --> 01:42:56.079
<v Speaker 2>go to Greg, who has a question on auto transporting. Hi? Greg,

1995
01:42:56.159 --> 01:42:59.359
<v Speaker 2>what's going on? Hi?

1996
01:42:59.520 --> 01:43:02.000
<v Speaker 26>I've got a friend who needs to get a car

1997
01:43:02.279 --> 01:43:07.640
<v Speaker 26>from Denver to Dallas, Texas. He's gotten some quotes. One

1998
01:43:07.720 --> 01:43:12.000
<v Speaker 26>of them was three hundred and twenty five dollars. Sounds

1999
01:43:12.079 --> 01:43:14.720
<v Speaker 26>too good to be true, and I was wondering if

2000
01:43:14.800 --> 01:43:18.039
<v Speaker 26>you have any resources in auto transport.

2001
01:43:18.960 --> 01:43:21.359
<v Speaker 2>I do, but the ones that I have are not

2002
01:43:21.560 --> 01:43:23.720
<v Speaker 2>on the referral list, and I only have them because

2003
01:43:23.760 --> 01:43:27.920
<v Speaker 2>I used them personally. And that may sound crazy, but

2004
01:43:28.560 --> 01:43:31.439
<v Speaker 2>I can't necessarily vouch for them, but I've used them.

2005
01:43:31.600 --> 01:43:32.520
<v Speaker 2>Does that make sense?

2006
01:43:33.920 --> 01:43:34.119
<v Speaker 25>Yes?

2007
01:43:34.840 --> 01:43:39.000
<v Speaker 2>Okay, But I want to know something. The one that's

2008
01:43:39.039 --> 01:43:42.960
<v Speaker 2>going to do it for three hundred and something, where'd

2009
01:43:43.000 --> 01:43:43.560
<v Speaker 2>you find him?

2010
01:43:45.720 --> 01:43:48.199
<v Speaker 26>I'm going to guess we found him on the internet,

2011
01:43:48.520 --> 01:43:51.520
<v Speaker 26>and then what I forgot to ask him is is

2012
01:43:51.640 --> 01:43:54.479
<v Speaker 26>that putting it on a transport truck or is that

2013
01:43:54.640 --> 01:43:56.600
<v Speaker 26>a human driving it down?

2014
01:43:57.199 --> 01:43:59.680
<v Speaker 2>Yeah, don't ever get a human driving it down unless

2015
01:43:59.720 --> 01:44:02.439
<v Speaker 2>you know the human and you fly him back, you know,

2016
01:44:02.560 --> 01:44:07.399
<v Speaker 2>stuff like that. Yes, sure, But here are the ones

2017
01:44:07.479 --> 01:44:10.159
<v Speaker 2>that I have used in the past, and I've used

2018
01:44:10.199 --> 01:44:15.000
<v Speaker 2>them for some pretty hefty cars and they've been beautiful.

2019
01:44:16.520 --> 01:44:23.680
<v Speaker 2>One is Baja b a Ja Auto Transport and it's

2020
01:44:23.800 --> 01:44:30.319
<v Speaker 2>three oh three eight seven two three six seven two.

2021
01:44:32.640 --> 01:44:39.119
<v Speaker 2>The other one is JS Auto Transport, like as in

2022
01:44:39.680 --> 01:44:47.439
<v Speaker 2>Juliet Sierra JS Auto Transport. The number seven seven four

2023
01:44:49.000 --> 01:44:52.479
<v Speaker 2>eight five five one four seven three.

2024
01:44:55.359 --> 01:44:56.119
<v Speaker 5>How many miles?

2025
01:44:56.159 --> 01:44:56.880
<v Speaker 2>Says it? Roughly?

2026
01:44:59.119 --> 01:45:02.199
<v Speaker 27>Honestly, I go, No, it's Denver to Dallas.

2027
01:45:02.680 --> 01:45:05.680
<v Speaker 9>So I'm going to guess maybe a thousand.

2028
01:45:08.239 --> 01:45:10.760
<v Speaker 4>I'm calculating one right now. Hold on, it should just

2029
01:45:10.800 --> 01:45:14.399
<v Speaker 4>take a second. That three hundred sounds extremely low.

2030
01:45:16.159 --> 01:45:18.119
<v Speaker 2>It's seven hundred and ninety four miles.

2031
01:45:18.640 --> 01:45:22.520
<v Speaker 4>That yeah, I this thing wants too much information to

2032
01:45:22.600 --> 01:45:27.119
<v Speaker 4>calculate it. But three hundred sounds very very very low.

2033
01:45:29.439 --> 01:45:30.279
<v Speaker 5>You know who might know.

2034
01:45:30.800 --> 01:45:33.560
<v Speaker 4>I'll tell you an expert we have that'll know how

2035
01:45:33.640 --> 01:45:35.680
<v Speaker 4>much it should be. And he's got a lot of

2036
01:45:35.760 --> 01:45:39.479
<v Speaker 4>connections in it is JFR cars, they Shire cars all

2037
01:45:39.560 --> 01:45:44.319
<v Speaker 4>over the country. Let's yeah, let's try to get let's

2038
01:45:44.359 --> 01:45:45.119
<v Speaker 4>try to get him on.

2039
01:45:48.960 --> 01:45:50.239
<v Speaker 2>So hold on and Tom.

2040
01:45:50.319 --> 01:45:53.680
<v Speaker 5>He also owes us, he owes us the value of

2041
01:45:53.760 --> 01:45:54.319
<v Speaker 5>that uh.

2042
01:45:54.800 --> 01:45:57.279
<v Speaker 2>Chef to pick up too. He was going to help

2043
01:45:57.359 --> 01:45:59.159
<v Speaker 2>us out to try to find a value for that

2044
01:45:59.279 --> 01:46:01.920
<v Speaker 2>guy on him is I think it was a GMC.

2045
01:46:04.199 --> 01:46:07.279
<v Speaker 2>That's right. Three oh three seven one three talk seven

2046
01:46:07.319 --> 01:46:10.960
<v Speaker 2>one three eight two five five. So where did we

2047
01:46:11.159 --> 01:46:15.119
<v Speaker 2>leave it, Deputy D with the vacation home in the

2048
01:46:15.239 --> 01:46:18.279
<v Speaker 2>post office? Did you find out anything additionally, by the.

2049
01:46:18.279 --> 01:46:21.359
<v Speaker 24>Way, No, that since I contacted the gentleman at the

2050
01:46:21.359 --> 01:46:24.920
<v Speaker 24>post office who's extremely enthusiastic and researching this, and he

2051
01:46:25.000 --> 01:46:27.920
<v Speaker 24>told me he'll need a couple of days because he's

2052
01:46:27.960 --> 01:46:31.239
<v Speaker 24>going to access extensive internal resources that are available to

2053
01:46:31.359 --> 01:46:32.239
<v Speaker 24>him within the system.

2054
01:46:33.159 --> 01:46:38.560
<v Speaker 2>Okay, but he said basically though that there should be

2055
01:46:38.680 --> 01:46:41.439
<v Speaker 2>no issue on both of those issues. There should be

2056
01:46:41.520 --> 01:46:43.439
<v Speaker 2>no issue. This is a guy that can't get his

2057
01:46:43.560 --> 01:46:47.199
<v Speaker 2>mail in his vacation home. And he told us two things.

2058
01:46:47.279 --> 01:46:50.239
<v Speaker 2>He said, First, he was told you can't have more

2059
01:46:50.279 --> 01:46:53.920
<v Speaker 2>than one address in the United States, and second that

2060
01:46:55.119 --> 01:46:58.359
<v Speaker 2>if you have sporadic mail, they can cut you off.

2061
01:46:58.920 --> 01:47:03.119
<v Speaker 2>So two, if he was really told that, then whoever

2062
01:47:03.279 --> 01:47:06.239
<v Speaker 2>told him should be fired. And he claims it was

2063
01:47:06.279 --> 01:47:09.159
<v Speaker 2>the postmaster at Bellevue, but he can't prove it. That's

2064
01:47:09.239 --> 01:47:12.600
<v Speaker 2>what he said. Literally, he can't prove it. Uh three

2065
01:47:12.680 --> 01:47:21.479
<v Speaker 2>o three seven one three eight two five five. Go

2066
01:47:21.640 --> 01:47:25.239
<v Speaker 2>with a sure thing Denver's best roofer Excel Roofing dot com.

2067
01:47:25.399 --> 01:47:31.119
<v Speaker 2>You don't pay a cent until you're content. Time for

2068
01:47:31.159 --> 01:47:34.880
<v Speaker 2>an insurance check up free no obligation comparison call Compass

2069
01:47:35.000 --> 01:47:38.239
<v Speaker 2>Insurance Paying too much your coverage at dozens of insurance

2070
01:47:38.279 --> 01:47:40.800
<v Speaker 2>companies find out now three oh three seven seven to

2071
01:47:40.840 --> 01:47:43.600
<v Speaker 2>one help. You'll think you're his only customer when you

2072
01:47:43.720 --> 01:47:46.119
<v Speaker 2>choose Frank durand the real estate Man dot com to

2073
01:47:46.239 --> 01:47:49.439
<v Speaker 2>list your home with Remax Alliance three oh three nine

2074
01:47:49.479 --> 01:47:51.000
<v Speaker 2>two zero sixteen twenty.

2075
01:47:50.800 --> 01:47:57.880
<v Speaker 28>Two him two year, three oh three seven one three

2076
01:47:58.039 --> 01:48:01.119
<v Speaker 28>talk three oh three seven one three eight two five five.

2077
01:48:02.600 --> 01:48:11.000
<v Speaker 2>Let's go to Greg, who has a question. Go ahead, Greg, Greg,

2078
01:48:11.119 --> 01:48:11.600
<v Speaker 2>Are you there?

2079
01:48:15.439 --> 01:48:15.720
<v Speaker 5>Greg?

2080
01:48:18.439 --> 01:48:21.279
<v Speaker 2>Okay? I guess Greg's not there. Let's move on. We

2081
01:48:21.399 --> 01:48:24.840
<v Speaker 2>don't have time, Dave, Go ahead, sir. What's happened?

2082
01:48:25.439 --> 01:48:25.600
<v Speaker 15>Hey?

2083
01:48:25.960 --> 01:48:26.920
<v Speaker 9>Hey, Tom, can you hear me?

2084
01:48:27.479 --> 01:48:27.680
<v Speaker 12>Yes?

2085
01:48:27.840 --> 01:48:28.279
<v Speaker 2>Go ahead.

2086
01:48:29.199 --> 01:48:32.000
<v Speaker 9>Hey, So you guys were just talking about required minimum

2087
01:48:32.079 --> 01:48:36.520
<v Speaker 9>distributions using the age of seventy two. Yes, it's actually

2088
01:48:36.680 --> 01:48:40.760
<v Speaker 9>changed to seventy three. Oh, that changed to the secure

2089
01:48:41.119 --> 01:48:41.760
<v Speaker 9>two point zero.

2090
01:48:42.199 --> 01:48:43.479
<v Speaker 20>And for people that are.

2091
01:48:45.279 --> 01:48:50.119
<v Speaker 9>Born after nineteen sixty that age is seventy five.

2092
01:48:52.159 --> 01:48:54.000
<v Speaker 5>Oh that's good. So I'm a seventy five.

2093
01:48:55.439 --> 01:48:58.439
<v Speaker 9>Yeah, you're a seventy five. Or now, if you're somebody

2094
01:48:58.640 --> 01:49:01.960
<v Speaker 9>like Tom who who married a woman what thirty years

2095
01:49:02.000 --> 01:49:05.920
<v Speaker 9>younger than you, there's there's other strategies where you can

2096
01:49:06.000 --> 01:49:07.239
<v Speaker 9>delay those uh.

2097
01:49:07.520 --> 01:49:09.760
<v Speaker 2>A minute, wait a long time. Wait wait wait wait

2098
01:49:10.079 --> 01:49:11.960
<v Speaker 2>it matters how old your wife is.

2099
01:49:13.560 --> 01:49:15.000
<v Speaker 6>It could Yeah.

2100
01:49:15.840 --> 01:49:20.119
<v Speaker 9>So let's say you have required minimum distributions coming up

2101
01:49:20.239 --> 01:49:23.720
<v Speaker 9>and you're you're seventy two right now, okay, and so

2102
01:49:23.880 --> 01:49:26.359
<v Speaker 9>next year you have to take them, and let's say

2103
01:49:26.399 --> 01:49:30.479
<v Speaker 9>your wife is sixty five years old. Yeah, there is

2104
01:49:30.560 --> 01:49:34.960
<v Speaker 9>a way of transferring those funds to your wife and

2105
01:49:35.159 --> 01:49:40.520
<v Speaker 9>getting an additional you know, another ten.

2106
01:49:40.479 --> 01:49:40.920
<v Speaker 15>Years or so.

2107
01:49:41.039 --> 01:49:42.000
<v Speaker 5>Oh, I get it.

2108
01:49:42.119 --> 01:49:45.199
<v Speaker 4>So you would literally go from your qualified plan into

2109
01:49:45.319 --> 01:49:49.279
<v Speaker 4>hers and she wouldn't have to take the distribution technically,

2110
01:49:49.479 --> 01:49:51.960
<v Speaker 4>but you actually did take the money out.

2111
01:49:53.600 --> 01:49:56.079
<v Speaker 5>Correct, That's that's it, that's in genie.

2112
01:49:56.119 --> 01:49:59.439
<v Speaker 2>Wait wait wait, you can transfer from yours.

2113
01:49:59.239 --> 01:50:04.880
<v Speaker 9>To hers, well, not necessarily to hers, but to her.

2114
01:50:05.840 --> 01:50:10.880
<v Speaker 9>So you guys are familiar with quadros are used in

2115
01:50:10.960 --> 01:50:15.560
<v Speaker 9>divorce situations, right right, Well, there's something that's called an

2116
01:50:15.680 --> 01:50:23.920
<v Speaker 9>in marriage quadro. Really where yeah, and so you can transfer,

2117
01:50:24.960 --> 01:50:30.199
<v Speaker 9>utilizing a quadro to the younger spouse and then it

2118
01:50:30.359 --> 01:50:35.119
<v Speaker 9>becomes hers, and then it can grow an additional number of.

2119
01:50:35.199 --> 01:50:37.720
<v Speaker 5>Years and you never end up paying taxes on it.

2120
01:50:40.760 --> 01:50:42.039
<v Speaker 16>Well you do, she does?

2121
01:50:42.279 --> 01:50:45.680
<v Speaker 5>No in ten years though, no ten years.

2122
01:50:45.920 --> 01:50:47.960
<v Speaker 4>I'm saying when you take it out to give it

2123
01:50:48.079 --> 01:50:53.920
<v Speaker 4>to her through the domestic relationship order, you're not paying taxes.

2124
01:50:54.279 --> 01:50:59.840
<v Speaker 2>No, you're not. Does not It does not trigger taxes.

2125
01:51:00.119 --> 01:51:01.279
<v Speaker 5>That's really cool.

2126
01:51:02.159 --> 01:51:06.079
<v Speaker 9>Okay, it doesn't trigger taxes. And then you can even

2127
01:51:06.159 --> 01:51:08.359
<v Speaker 9>stretch out R and D S to the age of

2128
01:51:08.439 --> 01:51:14.840
<v Speaker 9>eighty five by utilizing a qualified lifetime income annuity contract.

2129
01:51:16.680 --> 01:51:18.760
<v Speaker 2>What is your game, sir? What is your what is

2130
01:51:18.840 --> 01:51:19.960
<v Speaker 2>your line of work?

2131
01:51:20.960 --> 01:51:21.439
<v Speaker 20>We've talked.

2132
01:51:21.680 --> 01:51:22.760
<v Speaker 9>We've talked a bunch Tom.

2133
01:51:23.199 --> 01:51:23.760
<v Speaker 2>This is Dave.

2134
01:51:23.800 --> 01:51:28.600
<v Speaker 9>I'm down in Florida. I used to live in Littleton's

2135
01:51:28.640 --> 01:51:29.880
<v Speaker 9>do financial services.

2136
01:51:31.560 --> 01:51:34.119
<v Speaker 2>Dave, leave your number, man, I I mean if you

2137
01:51:34.239 --> 01:51:35.560
<v Speaker 2>did that, because.

2138
01:51:36.600 --> 01:51:38.840
<v Speaker 15>Every time I talk to you, you say, leave my number.

2139
01:51:39.039 --> 01:51:41.399
<v Speaker 2>Well hold on though, but but really leave it. But

2140
01:51:41.600 --> 01:51:44.479
<v Speaker 2>leave it with your last name and the and uh Kachina.

2141
01:51:44.640 --> 01:51:46.840
<v Speaker 2>Just send that to me with what he's talked about.

2142
01:51:47.119 --> 01:51:53.600
<v Speaker 2>Are you still in the financial business? Yes, yeah, okay,

2143
01:51:54.560 --> 01:52:00.600
<v Speaker 2>all right, thank you. I think that I think that

2144
01:52:00.840 --> 01:52:06.119
<v Speaker 2>that is a pretty cool idea to do a in

2145
01:52:06.359 --> 01:52:10.000
<v Speaker 2>marriage kudro, which I never even knew existed. Let's see

2146
01:52:10.000 --> 01:52:12.159
<v Speaker 2>if Greg is there now. Thank you very much. Dave.

2147
01:52:12.479 --> 01:52:15.359
<v Speaker 2>Is Greg there now? Did he hang up? Or is

2148
01:52:15.399 --> 01:52:15.680
<v Speaker 2>he there?

2149
01:52:17.239 --> 01:52:18.439
<v Speaker 15>I'm here, tom.

2150
01:52:18.279 --> 01:52:20.199
<v Speaker 2>Ohay, what's going on? Greg? What's your question?

2151
01:52:20.760 --> 01:52:20.880
<v Speaker 16>Hi?

2152
01:52:21.479 --> 01:52:25.479
<v Speaker 27>Sixty eight years old. I'm still working. I have about

2153
01:52:25.560 --> 01:52:31.359
<v Speaker 27>three hundred and fifty thousand dollars in iras qualified money.

2154
01:52:32.279 --> 01:52:38.000
<v Speaker 27>I've got about two hundred thousand annuities qualified money, and

2155
01:52:39.319 --> 01:52:43.319
<v Speaker 27>I have started Social Security about thirty two hundred dollars

2156
01:52:43.399 --> 01:52:47.680
<v Speaker 27>a month. I'm wondering what they recommend I should be in.

2157
01:52:48.560 --> 01:52:51.319
<v Speaker 2>Well, here's the thing. No matter what, don't put it

2158
01:52:51.399 --> 01:52:54.720
<v Speaker 2>all in an annuity. We're running out of time, Can

2159
01:52:54.800 --> 01:52:56.760
<v Speaker 2>you leave your name and number and we'll get you

2160
01:52:56.920 --> 01:52:59.279
<v Speaker 2>back on and get them on the air. Leave your

2161
01:52:59.359 --> 01:53:02.039
<v Speaker 2>name in number with Kachina Kaschina. Get Greg's name and

2162
01:53:02.159 --> 01:53:05.159
<v Speaker 2>number and send it to me and we'll take care

2163
01:53:05.199 --> 01:53:08.439
<v Speaker 2>of him and talk to them another time. I'm Tom Martine.

2164
01:53:08.600 --> 01:53:09.800
<v Speaker 2>Save all your problems for me.