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Speaker 5: The Troubleshooter Show. No Tom Martinez.
Speaker 2: Hello, what's going on in your life? Let's talk about
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Speaker 2: listeners wiser. Let's go to the phones, and the number
Speaker 2: to call all the time if you want to get
Speaker 2: on the show is three oh three Martino, and we'll
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Speaker 2: and get you on. You never have to wait. That's
Speaker 2: three oh three Martino, three O three six two seven
Speaker 2: eight four sixty six. Dustin is starting off the fun
Speaker 2: today and he's talking about Porter Care. Now, what's going
Speaker 2: on with you, Dustin? What's happening?
Speaker 3: So?
Speaker 6: I uh was in there adm minutes of the hospital
Speaker 6: for a broken bone and was it in the waiting room.
Speaker 6: Took some pictures of my ankle, which clearly you can
Speaker 6: see it's not bleeding, the bone's not sticking out. The
Speaker 6: X ray tech took an X ray within a mobile
Speaker 6: device and said, yeah, you have a broken heel. We
Speaker 6: need more X rays. So I'm like, okay, great. My
Speaker 6: mother and sister were there as a businesses in the
Speaker 6: waiting room. I called them it.
Speaker 1: Was mother's day.
Speaker 6: I was supposed to have U with that and or lunch.
Speaker 1: Sorry.
Speaker 3: So they showed up to the hospital, waited in.
Speaker 6: The waiting room with me, and they called me back.
Speaker 1: To do more x rays.
Speaker 2: We don't even go in the x ray room.
Speaker 6: My mother and sister are with me, and yes, ra
Speaker 6: Texta grabbed my ankle and starts twisting it, and I say,
Speaker 6: you know, hey, that hurts like my ankle is broken.
Speaker 1: That doesn't feel good. And instead of need to.
Speaker 6: Rotate my leg, he says, well, we need to get
Speaker 6: this shot and continues twisting, and then there's a loud
Speaker 6: pop and he says oops, and we look down and
Speaker 6: my bone.
Speaker 2: Sticking out of my skin, and then leaning, oh my god,
Speaker 2: wait a minute, Wait a minute, wait a minute. So
Speaker 2: he he is the one that manipulated your leg and
Speaker 2: caused the bone to pop out. Yes, so now now,
Speaker 2: but the bone was already broken, right, I mean, obviously
Speaker 2: the bone was already broken.
Speaker 1: Bone is broken.
Speaker 6: He could have literally asked me just to turn my
Speaker 6: foot to the outside to get the same angle that
Speaker 6: he was looking for instead of grabbing it.
Speaker 1: Wow.
Speaker 2: Okay, So so what happened after after the bone pops
Speaker 2: out of the skin. Holy crap, Other than being shocked,
Speaker 2: what did you do? Did you faint or something? What happened?
Speaker 6: I said, al and then I looked down and my
Speaker 6: foot is bleeding all over the table. I grabbed my
Speaker 6: phone and took a picture immediately because I was like,
Speaker 6: I'm going to document this. My mother and sister witnesses
Speaker 6: as well. They continue taking their X rays, and then
Speaker 6: in the notes they put that I came in with
Speaker 6: a compound fracture, saying that it was already popping.
Speaker 1: Out of the skin.
Speaker 6: So time goes, I have to have an unnecessary surgery
Speaker 6: to deal with the unnecessary pain and suffering obviously, as
Speaker 6: well as all the unnecessary drugs, antibiotics, all of that
Speaker 6: fun stuff that I shouldn't have had to deal with
Speaker 6: because of their negligence.
Speaker 2: Right now, now, now, hold on, though, Now you're you're
Speaker 2: making you're making some giant leaps. Okay, you're saying that
Speaker 2: it's it's it is possible that you did come in
Speaker 2: with a compound. I mean, it wasn't through the skin yet,
Speaker 2: but it could have been a compound fracture just under
Speaker 2: the skin. You're assuming that they caused the damages. I mean,
Speaker 2: you did come in with with with some damage, right,
Speaker 2: we can agree to that.
Speaker 6: The bone is broken. Compound fracture means that it's perforated
Speaker 6: through the skin. So it was not for Fred, that's
Speaker 6: right when I came in.
Speaker 2: No, no, I understand what you're saying. But what I'm
Speaker 2: saying is the conditions for the compounding fracture were all
Speaker 2: there and his manipulation caused it to pop through the skin.
Speaker 2: Look at I get what you're saying. And you went
Speaker 2: through you did, you went through some other pain that
Speaker 2: you possibly wouldn't have gone through. So what I need
Speaker 2: you to do, Dustin, because this is this is a
Speaker 2: very complicated case, but with malpractice, because that's what you're
Speaker 2: talking about, malpractice. The burden of proof. The burden of
Speaker 2: proof is such that, now listen carefully. You have to
Speaker 2: show that the standard of care was not up to
Speaker 2: the area the community. In other words, if you're in
Speaker 2: a third world country, the standard of care is different
Speaker 2: than if you're at Porter okay. So, and you have
Speaker 2: to show that the direct actions or in actions of
Speaker 2: a healthcare provider led to the increased pain and suffering,
Speaker 2: or led to the additional problems. Okay that In other words,
Speaker 2: they would not have happened if that bone was ready
Speaker 2: to pop through the skin and they just helped it
Speaker 2: a little. They didn't really cause it. They contributed to it,
Speaker 2: but they didn't cause it. It wasn't negligent to try
Speaker 2: to get the bones lined up. Now, I'm not talking
Speaker 2: about your case. I'm talking about in general. So I
Speaker 2: want you to tell me exactly what they did wrong
Speaker 2: and what damages you have.
Speaker 6: Twisting my foot. If you're laying there and your feet
Speaker 6: are pointing to the ceiling, you can twist your body
Speaker 6: so you're let your foot would be pointing to the outside.
Speaker 6: If he did not grab it, right, be on the
Speaker 6: point when I was telling him it hurts, that would
Speaker 6: have never happened.
Speaker 2: Ever, even if he did a break. No, I get it. Now,
Speaker 2: did the break though the break was already there?
Speaker 1: Right?
Speaker 2: Or are you saying that it wasn't broken and he
Speaker 2: broke it.
Speaker 6: The break was there, the bone sticking out of the
Speaker 6: skin was not, and it would not have happened with him.
Speaker 2: I get it.
Speaker 1: Twisting now, I get that.
Speaker 2: Okay, So what are your damages. How long did that
Speaker 2: visit last? In that emergency room?
Speaker 6: I had to stay overnight and then have surgery, and
Speaker 6: then was in the hospital for several days after that
Speaker 6: because they had to give me.
Speaker 2: What are you saying that was? But Dustin, I'm trying
Speaker 2: to differentiate. This is clear for everyone listening. I'm malpracticed.
Speaker 2: Let's just get it right out there. You have to
Speaker 2: show that part of it was due to what they
Speaker 2: did and that contributed to it or caused it. If
Speaker 2: you have pain and suffering with a compound fracture, that's
Speaker 2: not necessarily malpractice. You were going to have pain and
Speaker 2: suffering no matter what. What increased pain and suffering did
Speaker 2: you have as a result of what they did? And
Speaker 2: what is that increased pain and suffering worth or even better?
Speaker 2: And I don't mean better, but better for the malpractice suit?
Speaker 2: Did they cause any lasting harm as a result of
Speaker 2: what they did initially? Did they have any did they
Speaker 2: cause any lasting harm? Well?
Speaker 6: Do you think if you had a broken bone and
Speaker 6: someone twisted it and causes the bone to terity your skin,
Speaker 6: that it's not going to cause more pain?
Speaker 2: I think I know it, called Dustin, I don't doubt
Speaker 2: it causes more pain, and but that more pain could
Speaker 2: have been inevitable that you were going to have more
Speaker 2: pain when they set the leg. Anyway, I'm not arguing
Speaker 2: with you. I'm trying to find out which part of
Speaker 2: this is malpractice. You're going to have pain when you
Speaker 2: have a fracture of your leg and they're trying to
Speaker 2: set your leg. I want to know what was negligent.
Speaker 2: That the bone tearing through the skin was terrible, But
Speaker 2: that's one incident. That incident in and of itself. While
Speaker 2: it might be a malpractice, it's not actionable, meaning no
Speaker 2: attorney is going to take a case because bone went
Speaker 2: through the skin and it was then over with. Now,
Speaker 2: if bone went through the skin and then it caused
Speaker 2: some irreparable harm where it could never be repaired properly,
Speaker 2: that's different. I'm trying to help you come up with
Speaker 2: something that is either permanent or lasted so long that
Speaker 2: it made your life miserable. I'm looking for something that's action,
Speaker 2: something that was so excruciating and that was blatantly negligent
Speaker 2: on their part. Twisting your leg and trying to set
Speaker 2: your leg was not that. I mean, if he, if he,
Speaker 2: I'm trying to come up with what's that amazing?
Speaker 7: They turned around and charged him for the damage that
Speaker 7: they did.
Speaker 2: The additional damage. Yeah, well that's a different issue. I
Speaker 2: think we need to get I think we need to
Speaker 2: get an attorney that market deals with stuff like this.
Speaker 2: Let's get Marco Dustin't I'm not good at talking about
Speaker 2: malpractice because it's sometimes I think there's nothing there and
Speaker 2: sometimes there is. And I'm not a really good arbiter
Speaker 2: of this. However, I do know this, Okay, malpractice suits
Speaker 2: are some of the most difficult suits, not just to win,
Speaker 2: but to even get to the courthouse, because you have
Speaker 2: to have another healthcare provider look at what was done
Speaker 2: and say literally, this was malpractice based on the records,
Speaker 2: the notes and what happened. I don't doubt Dustin that
Speaker 2: that you were mistreated in a way, maybe because the
Speaker 2: guy kept twisting and turning and then finally the bone
Speaker 2: came through. I don't doubt that. But that in and
Speaker 2: of itself does not constitute unactionable malpractice. But I want
Speaker 2: to talk to Marco Benddelli, an attorney, since you called in,
Speaker 2: I want I want to get you a hearing from
Speaker 2: a guy that handles these cases. So hold on, let's
Speaker 2: get Marco on Kaschina three three seven to one, three
Speaker 2: Talk seven one three eight, two five five. Yeah, this
Speaker 2: is a terrible case, but malpractice is a very, very
Speaker 2: tricky area of law. We have more right after this. Hi,
Speaker 2: Tom Martino here three three said on three Talks seven one, three, eight, two,
Speaker 2: five to five. Listen. I want to talk about this
Speaker 2: because I think malpractice was one of the most misunderstood things.
Speaker 2: I'm gonna go on to other calls until we get Marco.
Speaker 2: But the guy was twisting his ankle and stuff. What
Speaker 2: they try to do with a break is align the
Speaker 2: bone so they can see what they're dealing with. I
Speaker 2: don't know if they took X rays before. I don't
Speaker 2: know if they took X rays before they touched them.
Speaker 2: What that they're doing. The fact that the bone went
Speaker 2: through the skin is serious and it is extra injury.
Speaker 2: But did they cause it or was it inevitable? What
Speaker 2: you have to show is that it was unreasonable and
Speaker 2: beneath the standard of care to do what that dock
Speaker 2: or that whoever was that nurse did. It was below
Speaker 2: the standard of care, and it caused additional damage and
Speaker 2: additional pain and suffering. There is no doubt it caused
Speaker 2: additional pain when the bone went through the skin. So
Speaker 2: I want Dustin to know. I would be really pissed
Speaker 2: off to Dustin, and I agree with you. You go
Speaker 2: in there with a break and then all of a
Speaker 2: sudden they pop the bone through your skin. But what
Speaker 2: is it, for lack of a better term, what is
Speaker 2: that worth? That's the problem we come to trying to
Speaker 2: figure out what is it worth? Mark, did you have
Speaker 2: comments on it? You were saying something during the break
Speaker 2: on it. Well, I feel bad for the guy big time.
Speaker 7: I can't believe the guy made that big of a
Speaker 7: mistake on his foot. But I don't see any like
Speaker 7: life changing events happening here. I don't think an attorney's
Speaker 7: going to touch it simply because there's no money in it.
Speaker 7: It really does so I wish he ended up paying
Speaker 7: for their mistake. But unfortunately, there's not much to do here.
Speaker 7: An attorney wouldn't make anything on this.
Speaker 2: No, and that's where the problem is that I wish
Speaker 2: there was a level of malpractice because healthcare providers many
Speaker 2: times will do a lot of things. I'm not talking
Speaker 2: about tiny things. Listen, we got to give people grace.
Speaker 2: But and I'm not talking about the really major things
Speaker 2: where the attorneys line up to take your case. But
Speaker 2: it would be nice if there was an equivalent of
Speaker 2: a small claim you can make for malpractice where you're
Speaker 2: heard by a panel of judges, let's say, where attorneys
Speaker 2: aren't allowed and you simply go in and make some
Speaker 2: claims and you get small satisfaction because let's say Dustin
Speaker 2: went through some excruciating pain as a result of this
Speaker 2: bone puncturing the skin, and it was very uncomfortable and
Speaker 2: it was unnecessary, but it doesn't rise to the level
Speaker 2: of a malpractice case. It would be nice if there
Speaker 2: was some kind of forum where these people could be
Speaker 2: heard or the healthcare provider has to answer for this.
Speaker 2: I'm want to move on and hold on Dustin, getting
Speaker 2: an attorney on for you. We're going to try like hell.
Speaker 2: Right now, I'm going to talk to Bob about a contractor. Bob,
Speaker 2: welcome to the show. What's going on with you?
Speaker 1: Hey, Tom?
Speaker 8: Thanks for having me on the show last month. On
Speaker 8: the week prior to the May twenty fourth, I solicited
Speaker 8: bids from five concrete contractors to have some flatwork done
Speaker 8: at our house and I wanted to appoint with the company.
Speaker 8: I wound up going with the company.
Speaker 1: They were not low bid.
Speaker 8: He seemed the most knowledgeable and communicative at the time,
Speaker 8: so we went with him. Day one he came in,
Speaker 8: and it might be worth noting that all these companies
Speaker 8: required fifty percent up front.
Speaker 1: And okay, which kind of was not it? Maybe afortable?
Speaker 2: Hey, Bob, I wouldn't have given I wouldn't have given
Speaker 2: fifty percent up front unless it was when they started.
Speaker 2: But that's neither here nor there. What kind of concrete
Speaker 2: work you didn't say, what kind of concrete work were
Speaker 2: you having done?
Speaker 8: I was basically demoing an existing sidewalk on our front
Speaker 8: yard and then building a footer with a stem wall,
Speaker 8: and then three separate concrete paths or areas with concrete
Speaker 8: at about a thousand square feet of concrete in total.
Speaker 8: They did start that day. There was three of them
Speaker 8: on the crew with the owner. They started working and
Speaker 8: again doing the basic dirt prep. He worked for about
Speaker 8: almost a week and a half on the project. He
Speaker 8: did do a little bit of dirt work. He demoed
Speaker 8: the front sidewalk, removed that, but the little issues started
Speaker 8: popping up. One of the biggest ones was the fact
Speaker 8: that he didn't really show up with a lot of
Speaker 8: equipment or tools, so he wound up barring my wheelbarrow,
Speaker 8: my extension cords, my shovels, and other equipment.
Speaker 1: When he needed the jump.
Speaker 2: All right, I mean he gave a bad first He
Speaker 2: becave a bad first impression for sure. But let's get
Speaker 2: to the meat. What happened.
Speaker 8: Well, ultimately we had some disagreements on the workscope. There
Speaker 8: was a one week completion date which which kind of
Speaker 8: came and went. Then there was some work that was
Speaker 8: being the work he was being done. He was covering
Speaker 8: up some things that needed to be addressed, and ultimately
Speaker 8: my wife and I wound up taking care of it ourselves.
Speaker 1: He just covered it.
Speaker 2: Give me an example of again, you got to give
Speaker 2: me an example of what you're talking about. Some work
Speaker 2: that he covered up. What are you talking about?
Speaker 8: There was a large cottonwood tree we had cut down
Speaker 8: a couple of years prior, and there was an extensive
Speaker 8: root system underneath that existing sidewalk.
Speaker 1: We didn't know how long until.
Speaker 8: The concrete was removed. And any concrete company is going
Speaker 8: to tell you there cannot be any organic material left underneath,
Speaker 8: any kind of new flower, it's.
Speaker 1: Going to be done.
Speaker 8: So that had to be removed, and he kind of
Speaker 8: sort of steered away from the conversation about that. He
Speaker 8: went ahead and moved forward, compacted all the dirt right
Speaker 8: over the top of these.
Speaker 2: Well, Bob, when you knew, Bob, if you knew there
Speaker 2: were roots under this, I'm trying to get a feeling here.
Speaker 2: Did you just basically let him do what he was doing,
Speaker 2: or did you say, wait a minute, this root system
Speaker 2: has to be removed.
Speaker 8: I told him that, yes, there's very good. Well you
Speaker 8: could even tell that there was a roostersys from underneath here,
Speaker 8: because well.
Speaker 2: Did the contract, did the contract address it? Did the
Speaker 2: contract say we'll remove or what did it? Why did
Speaker 2: you let him proceed if you knew it had to
Speaker 2: be removed.
Speaker 8: I was at work and we had the discussion that
Speaker 8: as soon as he demos the sidewalk, he needs we
Speaker 8: need to assess the situation, look at the roots and
Speaker 8: see if if it's if they need.
Speaker 1: To be removed or not.
Speaker 8: That in one day, he removed the sidewalk and then
Speaker 8: spread the dirt out, packed it and called it good.
Speaker 9: All right, Okay, we're.
Speaker 1: Gonna all right, Bob.
Speaker 2: And so so basically he didn't think it needed to
Speaker 2: be removed, is what you're.
Speaker 8: Saying, right, And I've had other country companies come out
Speaker 8: and assess it since he's left. But what and they
Speaker 8: all agree that that the roots needed to come out.
Speaker 2: That would have been extra cost to you or was
Speaker 2: that in the contract?
Speaker 8: It was partially in the contract, but our agreement was
Speaker 8: that that whatever was in there, I would I would
Speaker 8: make sure that I took care of removing the root systems.
Speaker 8: But he didn't allow me the time to do that,
Speaker 8: and he went ahead and moved forward, basically covered up
Speaker 8: a potentially bad situation because what would happen is if
Speaker 8: foot dissolved in the ground can collapse the sidewalk.
Speaker 2: No, I understand it leads the void, but that that
Speaker 2: is only for really big root systems. So what ended
Speaker 2: up happening? Are you getting are you getting failed? Well?
Speaker 2: This was done when when you said May, right in May?
Speaker 2: So what's happening now? What does the what does the
Speaker 2: job look like now?
Speaker 8: It looked well, basically on May thirty first, Saturday, May
Speaker 8: thirty first, he came out to work. We tried to
Speaker 8: discuss that and some other situations with the payments and
Speaker 8: everything and the timeframe.
Speaker 1: Uh, we had gone way over schedule.
Speaker 8: I had to rent the jumping jack compactor for him
Speaker 8: because he said.
Speaker 2: He didn't know. Okay, so, but but you're still not
Speaker 2: telling me. You're telling me a bad experience. But you're
Speaker 2: telling me a bunch of little things. Did that add
Speaker 2: up to failure of the job?
Speaker 8: Yes, failure of the job. We paid him half, which
Speaker 8: is which was six thousand dollars up front. He's only
Speaker 8: about fifteen hundred dollars worth of work, and he abandoned
Speaker 8: the job, and he.
Speaker 2: Is, okay, now we're getting Now, we're getting somewhere. Why
Speaker 2: did he abandon the job?
Speaker 8: Because he didn't want to discuss the issues that we
Speaker 8: had concerns about, and he got very upset, very irate,
Speaker 8: and he said, well, we're just going to have to reschedule,
Speaker 8: you know, And so tentatively he said that they would
Speaker 8: reschedule for June twenty fourth.
Speaker 2: So you you paid him, you paid him upfront, and
Speaker 2: you got only partial work. Who told you you only
Speaker 2: had fifteen hundred dollars worth of work.
Speaker 8: Two other concrete companies that came out to assess the
Speaker 8: work that they had done, and they quoted that about
Speaker 8: fifteen hundred, maybe two thousand dollars out of the six thousand.
Speaker 2: Okay, hold on, hold on, if he poured any kind
Speaker 2: of on creey at all, it's going to be more
Speaker 2: than that. But I think what maybe you're saying is
Speaker 2: he did the job, but you did not get any
Speaker 2: value out of it because it has to be redone.
Speaker 2: Is that what you're saying.
Speaker 8: No, there was no there was no final prep work done,
Speaker 8: there was no forms built.
Speaker 2: I'm asking you. I'm going to ask this question again.
Speaker 2: Are you saying that the work that was done is
Speaker 2: so poor that it has to be redone?
Speaker 8: No, yes, it has to be partially redone. And it's incomplete.
Speaker 2: Okay, gotcha, I got you. Okay, No, no, I got you.
Speaker 2: It's incomplete and part of it has to be redone.
Speaker 2: Hold on to that. I'm Tom Martino Moore right after this,
Speaker 2: Tom Martino, your troubleshooter. By the way, Dan McKenzie is
Speaker 2: with us too, and Dan McKenzie is McKenzie law State law,
Speaker 2: and I do have some text for him. Bob wants
Speaker 2: the way in on that issue. Uh on, that issue
Speaker 2: with the contractor. Bob, go ahead, what did you Bob
Speaker 2: is with l em Landscaping on a referral list? And
Speaker 2: let me just sum this up. Okay, this job is
Speaker 2: just basically a bad job. Bob doesn't like it. He
Speaker 2: had words with the contractor, and the contractor walked off
Speaker 2: the job. What Bob is upset about is he didn't
Speaker 2: get the value for what he paid and that could
Speaker 2: end up in small claims court or we can try
Speaker 2: to call him now, who's ever moving stuff around? Is
Speaker 2: that you? Bob? Can you kind of get to a
Speaker 2: quieter place or what what's going on? Window up?
Speaker 10: Yeah?
Speaker 11: Okay, Tom?
Speaker 2: Here, yeah, thank you put it up.
Speaker 10: Here's what I want to Here's what I want to
Speaker 10: tell people. You and I have this conversation throughout the year.
Speaker 10: Several times he got exactly what he paid for, even
Speaker 10: though he didn't get it. Twelve dollars a square flip
Speaker 10: based on his measurement is the kind of work you're
Speaker 10: gonna get. Okay, you asked him about stuff in the contract.
Speaker 10: In our contract, every single thing is wrote down Tree Works.
Speaker 10: We tell him we will take him out as long
Speaker 10: as it's not a main lift. That will affect something,
Speaker 10: which it never does. But he, from what I can tell,
Speaker 10: he's blaming the contractor for what he takes. He's only wrong,
Speaker 10: but he didn't do his job right here, Okay, he said, oh,
Speaker 10: I didn't get the lowest bed, but I went with it. Well,
Speaker 10: I guarantee he didn't see if the guy was writer's
Speaker 10: secretary state. I guarantee he didn't say he got him
Speaker 10: up for you, because I never got a call from him.
Speaker 10: So here's what people need to understand. I'm going to
Speaker 10: say again, when you get a contract bid, I don't
Speaker 10: care if you're artist or not. You should have us
Speaker 10: out so we can tell you what's how it should
Speaker 10: be done. We have them approved offorming, we have them approved,
Speaker 10: the road days, we have them approved, the remark we
Speaker 10: have them, we give them fiber metare coding, Bob. Bob
Speaker 10: practor didn't do.
Speaker 2: His job right, Bob. Consumers don't always know what they
Speaker 2: should get. So so you know when you said he
Speaker 2: didn't do his job. A lot of consumers rely on
Speaker 2: the expertise and trust of the contract. I mean, they
Speaker 2: don't always know and they should by the way, I
Speaker 2: do believe. One of the things I've always said about
Speaker 2: being a consumer is doing research for the project at
Speaker 2: hand to find out at least a little something about it.
Speaker 2: But the bottom line is this, he said he didn't
Speaker 2: get his money's worth and the guy walked off the job.
Speaker 2: No matter what, there's got to be some kind of
Speaker 2: an adjustment here. But I agree with you, Bob. I
Speaker 2: do agree with you. You should educate themselves for what
Speaker 2: they're doing. I'm sorry Mark, what you say, Well, it
Speaker 2: just goes to show again that's why you don't pay
Speaker 2: up front. If he didn't pay this guy up front,
Speaker 2: instead pay him as he goes, which is fair, he
Speaker 2: wouldn't be in the circumstance. Now, that's exactly right. That's
Speaker 2: exactly right. So and Bob, thank you. And what Bob
Speaker 2: is saying is true. I had this thing about I
Speaker 2: call it amen. I'm not going to go through it,
Speaker 2: but I use those letters a M N AMN to
Speaker 2: remind you of things, and one of those is education.
Speaker 2: When you have something done, you don't have to be
Speaker 2: an expert, but you should at least bone up on
Speaker 2: the industry for that job. Like what is expected and
Speaker 2: what you're going to find is what I call a
Speaker 2: thread of truth. As you research, you become smarter on
Speaker 2: that topic. Now you may after getting your driveway done
Speaker 2: or a walkway, you may never read about it again.
Speaker 2: So what but for that job you become a mini expert.
Speaker 2: You look at things, so at least you have some knowledge.
Speaker 2: Going in as a complete virgin requires too much trust
Speaker 2: and the contractors will take advantage of your lack of knowledge. Again,
Speaker 2: you don't have to be an expert, but you need
Speaker 2: to know. As Bob said, do you need base? Do
Speaker 2: you need this? Do you need that? How should it
Speaker 2: be formed? When should it be poured? All of that stuff.
Speaker 2: You should at least bone up on it a bit.
Speaker 2: Now let's talk of the Kachina. Did we have any
Speaker 2: trying to get Marco Bendinelli, attorney at law for that
Speaker 2: possible malpractice?
Speaker 11: We have not.
Speaker 2: I have reached out to him, and I do have
Speaker 2: Dustin's contact information, so okay, so let's try to get
Speaker 2: it back on later we can get a hold of them. Correct. Okay,
Speaker 2: thank you very much. Now, Bob, as far as this goes,
Speaker 2: I'm going to assign this to someone who do we
Speaker 2: have in the studio today with with Mark we have
Speaker 2: Scholler and Deputy Chopper deputy chopper. What about taking a
Speaker 2: stab at this contractor and seeing if he thinks there's
Speaker 2: an adjustment that should be made. I mean he obviously Look,
Speaker 2: we're never gonna make this situation right, Bob has no
Speaker 2: faith in him. I don't blame him, and what he
Speaker 2: probably should do is get some kind of an adjustment
Speaker 2: if he paid too much. Let's start there, Okay, give
Speaker 2: in fact, yeah, and if in fact the guy doesn't agree, uh,
Speaker 2: then we take it from there. But let's see if
Speaker 2: he will refund some of the money at least three
Speaker 2: three seven, one, three eight, two five five. Andrea, what
Speaker 2: is your question or your with auto insurance?
Speaker 12: Yes? Can you hear me?
Speaker 2: What's going on? Yes? I can? What's going on with
Speaker 2: your auto insurance?
Speaker 12: So on February twentieth, I was at McDonald's and I
Speaker 12: was waiting to go through the drive up and I
Speaker 12: inadvertently rolled forward and bunched the guy in front of me.
Speaker 12: He got really really upset. We pulled off to the
Speaker 12: side and I realized that my insurance had lapsed at
Speaker 12: midnight that night. I was a little bit behind on
Speaker 12: my insurance due to financial constraints, and uh huh. We
Speaker 12: ended up calling the police, and they did a police report.
Speaker 2: And wait, wait, wait wait, this was on private property
Speaker 2: on McDonald's and they still did a police report. Yes, okay,
Speaker 2: go ahead, keep going. So your auto insurance labs. Did
Speaker 2: you get a ticket for that?
Speaker 12: I did? I did get it, okay for that? So
Speaker 12: then I took a lot of pictures. I had a
Speaker 12: witness look at the other vehicle. There. There was no
Speaker 12: damage to that vehicle. And now I am basically they
Speaker 12: sent me to collections for one thousand and fifty two dollars.
Speaker 12: They're saying it I did.
Speaker 2: Okay, that's easy. That that that Andrea, Andrea, I'm going
Speaker 2: to tell you something, A bump, okay, or a tap
Speaker 2: on a bumper will never be less in one thousand dollars.
Speaker 2: You're getting off very cheap. Now, how fast were you
Speaker 2: going about two miles an hour?
Speaker 12: I wasn't even going two miles an hour. I just
Speaker 12: rolled forward.
Speaker 2: And when you hit his bumper, where did it hit
Speaker 2: the bumper in the center or on the left or right?
Speaker 12: Well, it never even hit his bumper. I rolled into
Speaker 12: his receiver hitch, which hit my life.
Speaker 2: Oh oh, so wait a minute, So you didn't even
Speaker 2: get to the car. You just hit the receiver.
Speaker 12: Right, and I have a perfect indentation of his receiver hit.
Speaker 2: I get you. He then what is he having done
Speaker 2: for a thousand What is he having done for one
Speaker 2: thousand bucks? What did he say was damage?
Speaker 12: Herein lies the problem. His insurance company refuses to provide
Speaker 12: me with the repair bill and proof that the repairs.
Speaker 1: What.
Speaker 12: Yeah, they we absolutely refuse. I've asked over the phone,
Speaker 12: I've written them a letter. I've sent them registered certified
Speaker 12: mail letters. Now it's come down to they're going to
Speaker 12: that's weird my license and the only way, well.
Speaker 2: They don't have the They don't have the power to
Speaker 2: suspend your license. The problem is this, the fact that
Speaker 2: you did not have insurance is the problem. But that
Speaker 2: party can't suspend your license. What they're going for is
Speaker 2: what's called reimbursement. And then if the court orders reimbursement
Speaker 2: and you don't pay it, then your license can be suspended.
Speaker 2: But they don't just go straight to suspending your license.
Speaker 2: So has the court ordered you to make reimbursement?
Speaker 12: There hasn't been anything as far as court is related.
Speaker 12: But I have a letter from the Colorado Department of
Speaker 12: Revenue saying that I have to I had to get
Speaker 12: SR twenty two insurance, which I added to right my
Speaker 12: insurance if I had insurance within eight hours.
Speaker 13: No, I get it.
Speaker 2: And the state is requiring an SR twenty two that's
Speaker 2: very common.
Speaker 12: Right, And they're requiring me to fill out a promisory
Speaker 12: note for to pay off the damages. But nobody.
Speaker 2: Ripped you.
Speaker 4: You don't have to shoot?
Speaker 2: Is gonna help?
Speaker 5: Come Dix's The Troubleshooter Show toel Martine.
Speaker 2: Martino, Welcome to the show today. I'm Dan McKenzie with
Speaker 2: me from McKenzie Law. Of course, phone calls tape priority.
Speaker 2: We'll get to your phone calls. But Dan, I have
Speaker 2: a text that's very interesting and it asks here's what
Speaker 2: it says. They are positive there was a will involved,
Speaker 2: Dan McKenzie. McKenzie Law does a state planning and stuff
Speaker 2: like that. They were positive there's a will. The dad
Speaker 2: referenced the will. Often they can't find the will. What
Speaker 2: do you do in a case like that when you
Speaker 2: have four siblings, a dad that passed away, the mother's
Speaker 2: already gone, and he referenced a will, talked about a will.
Speaker 2: They suspect maybe this one older sibling might have the will,
Speaker 2: but he's not disclosing it. But for all intents and purposes,
Speaker 2: right now it's missing. Okay, what do you do?
Speaker 14: Yeah, Unfortunately, the court presumes if you're not able to
Speaker 14: produce it's the original will, not just a copy the original,
Speaker 14: that the reason you can't do it is because it
Speaker 14: was destroyed. So and that's possible, right, this guy could
Speaker 14: have been talking about it for years.
Speaker 2: So you proceed as what do they call it? Intestine?
Speaker 14: Yes, you could open a probate, say it's a formal probate,
Speaker 14: and then ask the court to issue some sort of order.
Speaker 14: But I would probably start with a letter to all
Speaker 14: the siblings that just explains the statue in Colorado that says,
Speaker 14: if you were in custody of a will and you
Speaker 14: do not bodge it with the county court within ten days,
Speaker 14: you might have a problem on your hands if that
Speaker 14: failure to lodge causes someone to lose money that they
Speaker 14: would have gotten.
Speaker 2: But so what do you do? Though? So it goes
Speaker 2: as if there is no will first, right, since there
Speaker 2: is no one?
Speaker 14: I mean, yeah, so that's the question is why, I mean,
Speaker 14: who thinks that there was a will that was beneficial
Speaker 14: to them.
Speaker 2: They all remember the dad talking, they didn't talk about
Speaker 2: the beneficial and again I'm only going by this text,
Speaker 2: but they say that they all agree there was a will.
Speaker 2: He mentioned the will, but they can't find the will.
Speaker 14: I mean, I guess the Really the first question is
Speaker 14: is there a probatable estate here? What did he have?
Speaker 14: Did he have real estate? Did he have eighty six
Speaker 14: thousand dollars with ye?
Speaker 2: And I don't know that part, but let's assume he
Speaker 2: had a big estate or a medium estate and it
Speaker 2: needed to go through probate. But they can't find the will.
Speaker 2: Is there a such thing as a temporary settlement? And
Speaker 2: then they readjusted, did they find the will?
Speaker 1: Yeah?
Speaker 14: I mean, I proceed in testate and see what you know?
Speaker 14: We just go through that process, and then, like I said,
Speaker 14: notify everybody who might have custody of a will that, hey,
Speaker 14: you know, look for this.
Speaker 2: Is there a penalty for not bringing forth a will.
Speaker 15: If it damages somebody?
Speaker 14: It's kind of back to our med male discussion, right, right,
Speaker 14: you can have all these bad.
Speaker 15: Things happen, but if there's no damages, it doesn't really.
Speaker 2: Okay, So okay, let's say they settle things, and later
Speaker 2: on a will is discovered, can you actually go to
Speaker 2: court and have things readjusted?
Speaker 14: I mean obviously it's hard. Yes, sure, but you know,
Speaker 14: is the money already spent?
Speaker 2: Right, so there's nothing you can do in most if
Speaker 2: the practical well, the practical answer is you can do it,
Speaker 2: but you may never get paid. That's always a problem
Speaker 2: with medication. Yeah, that's the problem. And so people, here's
Speaker 2: the biggest problem I have found with the states that
Speaker 2: they can't put their hands on a will readily or
Speaker 2: the person who has the will. Other people don't trust
Speaker 2: that the will is valid. So if I were you,
Speaker 2: I would make copies. I don't know. Maybe this is
Speaker 2: bad advice, Dan, I was saying, have each air have
Speaker 2: a copy of the will? Is that a bad idea
Speaker 2: or a good idea?
Speaker 14: I mean the problem is you just have to remember
Speaker 14: who you gave it to and if there are changes,
Speaker 14: I mean that creates issues. Right if some people have
Speaker 14: inconsistent copies, it's going to be a problem. So you
Speaker 14: just create potentially a hassle if you want to update things.
Speaker 2: And then the original will is what takes precedent? Right, Yes,
Speaker 2: how do you tell if something's original? Do you market original?
Speaker 14: I mean, that's why we try and sign things in
Speaker 14: color and stuff like that.
Speaker 2: Okay, okay, get better? And do you need notary for
Speaker 2: those signed signatures?
Speaker 14: So technically under Colorado, so you either do with two
Speaker 14: witnesses or a notary. I will tell you that Denver
Speaker 14: Probate Court, if one of those is missing, they're going
Speaker 14: to make you go through the formal process. So for us,
Speaker 14: we always do both two witnesses and a notary.
Speaker 2: Oh, do both? So you do two witnesses plus a notary. Yeah,
Speaker 2: so you're having three witnesses to this signature basically.
Speaker 1: Yeah.
Speaker 2: All right, let's talk to Darryl and Nancy. Hello, Daryl
Speaker 2: and Nancy, whoever wants to take it, take it? What's
Speaker 2: going on?
Speaker 1: All right? This is Darryl my wife.
Speaker 11: Yes, for information more than anything else. We're well into
Speaker 11: our retirement. We're living in a house that we like
Speaker 11: very much, but as the costs are going up and
Speaker 11: as our income is going down, we're getting into some.
Speaker 1: Some things that we want to look at.
Speaker 11: And we've looked at things like second mortgages and reverse
Speaker 11: mortgages and maybe selling the house and downsizing, and we're
Speaker 11: struggling as to what to do and where to go
Speaker 11: first advice. We've talked to a couple of different mortgage companies,
Speaker 11: both for second mortgage and reverse mortgage, and obviously they're
Speaker 11: trying to sell something some time ago, a month or
Speaker 11: so ago.
Speaker 2: Okay, Darryl, Darryl, I have a few questions for you, Daryl,
Speaker 2: I have a few questions for you. How old are you?
Speaker 2: How old are you and your wife?
Speaker 11: We're in our middle to late eighties.
Speaker 1: Late eighties.
Speaker 2: Okay. Now what I want to know is how is
Speaker 2: your house paid for?
Speaker 1: No, it's not.
Speaker 11: We were we were about halfway through the payments on it.
Speaker 2: Well, I don't know what that means. So how much
Speaker 2: is owed on the house? Well?
Speaker 11: We all you know, just under half a million and
Speaker 11: the house is worth over nine hundred times.
Speaker 2: Okay, so you have about four hundred thousand inequity. Yeah, yeah, okay.
Speaker 2: And you're thinking about a reverse loan and that's not
Speaker 2: a bad situation for your age. I would not get
Speaker 2: a second loan. They're not set up for what you
Speaker 2: want to do. If you do, you need money right now?
Speaker 2: Is that what you're looking for? Are you looking for income?
Speaker 11: Not so much well, I guess the answer would the
Speaker 11: yes to some extent, or to cover some of the
Speaker 11: bills and stuff that we've accummunated. If we got rid
Speaker 11: of those, then we'd probably not have to.
Speaker 2: What kind of bills? What kind of bills have you accumulated?
Speaker 11: Oh, mostly credit card over time?
Speaker 2: How much do you have in credit card debt?
Speaker 11: Well, I guess more than I'd like to admit, I'm
Speaker 11: not sure I want to.
Speaker 2: Well, here how much? I mean, I'm trying to get
Speaker 2: a snapshot here about how much do you have in
Speaker 2: credit card debt?
Speaker 1: Twenty five to thirty thousand?
Speaker 2: Okay, And here's the most important question. Do you have
Speaker 2: to go to your credit cards every month in order
Speaker 2: to make your bills? Are you depending on credit like
Speaker 2: a second income? Or can you pay your bills? Let's
Speaker 2: say you got rid of the credit card debt. Could
Speaker 2: you pay all of your bills on your existing income?
Speaker 1: I think so yes, I think yeah.
Speaker 2: Okay, what is your income?
Speaker 1: Well, it's just so security and.
Speaker 11: We both have Social Security.
Speaker 2: Do you guys have any investment accounts?
Speaker 11: No, that's that's the issue. My investment account has finally
Speaker 11: run out, and that's why we're starting to get to
Speaker 11: a bund.
Speaker 2: Yep, yep, yep. And then do you have any savings
Speaker 2: of any kind?
Speaker 1: Yeah, yes we do, Yeah, yes we do.
Speaker 16: How much in savings about two hundred thousand and we're
Speaker 16: trying not to go into Okay.
Speaker 2: No, and I understand that completely. Now, what I think
Speaker 2: if you were my parents, or my brother or sister
Speaker 2: or whatever, here's what I would suggest. And I'm going
Speaker 2: to go to our expert on the line on reverse loans.
Speaker 2: But because you're in your mid eighties and you have
Speaker 2: a home with about four hundred thousand dollars in equity,
Speaker 2: you would be able to get a good line of
Speaker 2: credit that could accrue on your house. You never have
Speaker 2: to make a payment, you never have to leave your home,
Speaker 2: and you can use the line of credit when you
Speaker 2: need it. You don't have to. It's not forced on you.
Speaker 2: It's there for emergencies. But what I would suggest is
Speaker 2: that what you do is that you use your income
Speaker 2: and you pay off your monthly bills and not use
Speaker 2: credit cards anymore, but use this line of credit instead.
Speaker 2: Now I'm going to bring up a John Clase. John
Speaker 2: is with is with CMG Mortgage. Now that's a mortgage banker.
Speaker 2: They are the ones that do the actual loans and
Speaker 2: he works for them and it's direct lending. And John,
Speaker 2: you guys do reverse loans, is that right?
Speaker 1: We do. We do a lot of reverse loans. We
Speaker 1: do help people out. And you said, you're now.
Speaker 2: Don't you think they're in a good position? You think
Speaker 2: they're in a good position.
Speaker 1: I ran some of the numbers just kind of why
Speaker 1: we're on the phone, and at eighty four, So basically,
Speaker 1: what is your monthly mortgage paying right now? I mean,
Speaker 1: what do you what is what is that about your
Speaker 1: current twenty eight p I T? I wow, these numbers?
Speaker 1: The house is worth nine hundred and you'll five a
Speaker 1: reverse mortgage you're gonna be able to but you're gonna
Speaker 1: be it's really just gonna pay that mortgage off. You're
Speaker 1: not gonna get much more than that, okay in.
Speaker 2: This okay, but that that'll do him some good because
Speaker 2: he doesn't have to make another payment.
Speaker 1: Correct, And that's tax free, you know, it's tax free.
Speaker 1: But he gets rid of that payment and that can
Speaker 1: help get rid of all your other debts and loosen
Speaker 1: up your lifestyle. But yes, that's.
Speaker 2: Do you think do you think he can squeeze. Do
Speaker 2: you think he can squeeze enough out to pay off
Speaker 2: his loan and then maybe have some to pay off
Speaker 2: the credit card or do you think he's right on
Speaker 2: that limit there?
Speaker 1: Well, he wouldn't tell us what his credit card is,
Speaker 1: but i'd say paid that off and maybe squeeze out
Speaker 1: about another thirty thousand or so. So I'm not sure
Speaker 1: where he is.
Speaker 2: That's what he's talking about. He was talking about thirty
Speaker 2: thousand so so, Daryl, what we're talking about is this.
Speaker 2: If you use your home and get a reverse loan,
Speaker 2: it does away with your first deed of trust or
Speaker 2: your first mortgage. It does away with it. It's gone.
Speaker 2: So now you save twenty eight hundred dollars a month.
Speaker 2: Right there? You saved two eight hundred dollars, didn't you
Speaker 2: say your payment was twenty eight hundred.
Speaker 7: Yeah, but he still has insurance and taxes which are
Speaker 7: probably eight hundred to twelve hundred of that easily.
Speaker 15: From you.
Speaker 2: Yeah, that's gonna be. That's what I thought it's not
Speaker 2: going to be. Yeah, So here, but think about this, Darryl.
Speaker 2: If you were able to get that mortgage done, you
Speaker 2: don't have to pay on it and all you have
Speaker 2: to pay are taxes and insurance, and then he can
Speaker 2: enough out to pay off those credit cards. You'd be
Speaker 2: in a good position. You'd be in your home free
Speaker 2: and clear for all practical purposes. I mean free and
Speaker 2: clear is actually eating up your equity. But you can
Speaker 2: stay there the rest of your life. But what happens
Speaker 2: We got to take a break, and I want to
Speaker 2: know what happens when you have two people who do
Speaker 2: you qualify with? And will one have to move when
Speaker 2: the other one dies? We'll talk about that and more
Speaker 2: coming right up on the Troubleshooter Show. Hey, I'm Tom Martino.
Speaker 2: You know, reverse loans are a very useful tool. They
Speaker 2: really are. You know, they're not for everyone, just like
Speaker 2: any financial instrument. It depends on your situation. But when
Speaker 2: you have equity sitting there and you're in your mid
Speaker 2: eighties now, John Clace, does that open them up for
Speaker 2: about forty percent of the Like the older you get,
Speaker 2: the more equity you can take. So let's say you
Speaker 2: have a house that's paid for. You have a house
Speaker 2: that's paid for and it's worth eight hundred thousand dollars.
Speaker 2: How much what is the most you'll ever get of
Speaker 2: that equity fifty percent.
Speaker 1: Yeah, you know, fifties, some programs fifty five by top
Speaker 1: if you're up there in the eighties.
Speaker 2: You know, eighties, but you got to be you got
Speaker 2: to be in your mid to high eighties, right to
Speaker 2: get that much, you have to be to your mid
Speaker 2: to high eighties. Okay, So someone who is bright, Tom, Yeah, no, no,
Speaker 2: I'm listening. Tell me the different categories.
Speaker 1: Well, yeah, so somebody in their sixties, you know, you're
Speaker 1: going to be looking at thirty eight forty percent. You
Speaker 1: go there. Once you get up towards the high sixties,
Speaker 1: early seventies, it's about forty five percent, and then once
Speaker 1: you get you know, to that eighty mark, you can
Speaker 1: start looking at that forty five fifty fifty percent mark.
Speaker 2: So, so what you were saying about, what were you're
Speaker 2: saying about Darryl and Nancy is if they're in their
Speaker 2: mid eighties and their house is worth about nine hundred,
Speaker 2: the most they're ever going to get is about four fifty.
Speaker 1: Well you migrate the numbers actually with them being eighty four. Wife,
Speaker 1: we were on the phone and it came out. It's
Speaker 1: one of the proprietary products came out where we could
Speaker 1: get him about five hundred and thirty thousand dollars out
Speaker 1: of it.
Speaker 2: So, oh, that's excellent. So if they get five hundred
Speaker 2: and thirty yep, and they can pay off their credit
Speaker 2: cards exactly.
Speaker 1: So yeah, that was and that's kind of our Max.
Speaker 1: It's called our max product that that does that done
Speaker 1: on some of that, you know, reverses are interesting. I
Speaker 1: talked to guy the other day. He called me from
Speaker 1: your show and he's he's sixty one, and he's like, well,
Speaker 1: I don't know if it will work, but we have
Speaker 1: they'll actually go down to age fifty five these days
Speaker 1: with some of these products, you know type deal.
Speaker 2: Again, the idea is the older, the more you get,
Speaker 2: and you have to pay off your first with a
Speaker 2: reverse loan. So whatever your first is, that gets paid first,
Speaker 2: and then after that, after paying your mortgage off, if
Speaker 2: there's any cash left over, you can take that cash.
Speaker 2: What I recommend in a line of credit, which means
Speaker 2: you don't have to take it unless you need it,
Speaker 2: and when you need it, you can write yourself a
Speaker 2: check and you can even pay your taxes and insurance
Speaker 2: out of it, right.
Speaker 13: You can't.
Speaker 1: Yeah, another thing people don't realize unreversed mortgages. If you
Speaker 1: feel like it, you can always make a mortgage payment
Speaker 1: the same like a first and it just stops growing.
Speaker 2: Right, of course you can, You're right, John, People don't.
Speaker 2: People don't often think about that. But really, if you're
Speaker 2: in Darryl and Nancy's position, why would you make a payment?
Speaker 2: I mean, I know a lot of parents bend over
Speaker 2: backwards to try to preserve their equity for their kids,
Speaker 2: and I say, the hell with your kids. If you've
Speaker 2: worked your life, you worked your whole life, you don't
Speaker 2: have to preserve your equity. You can live off of it.
Speaker 2: What I want to ask Darryl or Nancy, do you
Speaker 2: have any questions for John? Because we would refer you
Speaker 2: to him. He'll take good care of you. You you'd
Speaker 2: be able to pay off your first save that twenty
Speaker 2: eight hundred dollars a month, plus pay off your credit cards.
Speaker 2: I mean, think about how much money you would have
Speaker 2: every month if you didn't have to pay a mortgage
Speaker 2: and you didn't have to pay for the credit cards.
Speaker 2: Think about that?
Speaker 1: Well that certainly do you have any questions? I guess yeah,
Speaker 1: the question I have.
Speaker 11: The other question I have is would it makes sense
Speaker 11: to take some money out of our savings to pay
Speaker 11: off some of the debt.
Speaker 2: Well, that's a personal choice. I always say this. If
Speaker 2: your savings are sitting there making two and three percent
Speaker 2: and you're paying out monthly on high interest of fourteen
Speaker 2: to eighteen to twenty five percent, of course it pays
Speaker 2: because for every dime you pay off, you're saving that interest.
Speaker 2: That's why I always say, if you're looking to build
Speaker 2: financial wealth or health, what you need is to get
Speaker 2: rid of high interest debt. And right now you have
Speaker 2: thirty or forty thousand, or twenty or thirty thousand, whatever
Speaker 2: it is, it's too much. How much do your credit
Speaker 2: card payments come to every month?
Speaker 11: Oh somewhere around twelve fourteen hundred dollars.
Speaker 2: Yeah, well think about change.
Speaker 7: If you took that thirty thousand paid off those credit cards,
Speaker 7: you have the reverse mortgage, you're gonna be basically making
Speaker 7: twenty four thousand dollars more a year.
Speaker 2: In cash flow. And by the way, I do want
Speaker 2: to say, Marky, you, Darryl, they're gonna save Mark, They're
Speaker 2: gonna save forty two hundred dollars a month, four thousand,
Speaker 2: two hundred dollars a month.
Speaker 1: Yeah.
Speaker 7: And the other thing, though, Daryl and Nancy, is if
Speaker 7: you are truly just in a savings account, that's kind
Speaker 7: of crazy. If you want to keep it liquid, that's great.
Speaker 7: But there's different there's different vehicles out there through Schwab
Speaker 7: or even through Wave eight or somewhere where where they
Speaker 7: can invest at and easily make you five percent and
Speaker 7: it's liquid the next day, the next day.
Speaker 2: Yes, yes, yes, so you got you got yes. I
Speaker 2: think what you first look at first is you talk
Speaker 2: to John Clays about a reverse loan. I'm really serious.
Speaker 2: Now listen to this. Once you pay off your mortgage
Speaker 2: and you're saving that twenty eight hundred dollars a month,
Speaker 2: now you can decide how do I want to pay
Speaker 2: those credit cards? Do I want to take it out
Speaker 2: of savings or do I want to take it from
Speaker 2: my line of credit. I personally would not touch my
Speaker 2: savings except for what Mark said, maybe put it in
Speaker 2: you know, nothing risky, but put it in something that
Speaker 2: can at least grow better than a savings account. And
Speaker 2: there are even a money market or a CD. But
Speaker 2: what I would definitely do is talk to John Partner
Speaker 2: in lending dot com about a reverse loan, no doubt
Speaker 2: in my mind, no doubt in my mind. And how long?
Speaker 2: I'm just curious. How long have you guys been married?
Speaker 1: Fifty nine years?
Speaker 2: Wow? Congratulately. Crap. What's the secret, I'm Jack Dan. The
Speaker 2: secret is knowing when you're wrong, which is most of
Speaker 2: the time, and your wife is always right. That's right
Speaker 2: if you keep that in mind. I have a I
Speaker 2: have a shirt that says, if at first you don't succeed,
Speaker 2: do what Stephanie told you to do to begin with,
Speaker 2: and so you ought to get a shirt like that
Speaker 2: with Nancy on it. Yep, thank you very much for calling,
Speaker 2: and John Clay, I really appreciate this. And you talk
Speaker 2: about reverse loans and what I'm confused about something not
Speaker 2: confused in a bad way, but I'm glad to hear
Speaker 2: there are more offerings if you can hold on. I
Speaker 2: want to ask about some of these so called proprietary
Speaker 2: products or different kinds of loans. I thought they were
Speaker 2: all government backs, to excuse me, reverse loans, and you
Speaker 2: talked about private loans. I want to talk about that
Speaker 2: right after this. I'm Tom Martino three O three seven
Speaker 2: one three eight two five five waterpros Dot net. You
Speaker 2: need to start thinking about drinking water. There is no
Speaker 2: safe drinking water when it really comes down to forever chemicals,
Speaker 2: plastics and chlorine. And you can get a system in
Speaker 2: your home from water Pros, great people. The lowest prices
Speaker 2: on the best systems thirty nine to ninety five will
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Speaker 2: Waterpros dot net three three eight six two five five
Speaker 2: five four. I'm Martino, your troubleshooter three three seven one
Speaker 2: three talk seven one three eight two five five. Can
Speaker 2: you guess what I'm doing when I'm off the air here? No,
Speaker 2: you can't anyway. By the way, Tom, I think you
Speaker 2: gave some wrong information to that woman who said was
Speaker 2: it a woman or a guy? The restitution ordered to
Speaker 2: pay restitution and she was ordered to pay restitution for
Speaker 2: an accident in a parking lot. And he said she
Speaker 2: can ask for a restitution hearing. And the only reason
Speaker 2: that the amount was assessed is because the other party
Speaker 2: was asking for it. If she signs a promisory note,
Speaker 2: she's admitting and agreeing to it. But she can ask
Speaker 2: for a hearing on that to determine restitution. Now let's
Speaker 2: go back to Johnclacepartner in lending dot Com, which is
Speaker 2: CMG Mortgage. Talking about reverse loans, John, you talked about
Speaker 2: different kinds of reverse loans. At one time, all reverse
Speaker 2: loans came from government guarantees. Is that right?
Speaker 1: Yeah, so they did. They used to be called the
Speaker 1: HACKEM warns them back by f A K. But they're
Speaker 1: all federally guaranteed. And since in the last few years,
Speaker 1: they've come out a lot of come out with proprietary
Speaker 1: products with her which still have the same protections as
Speaker 1: all the government loans. It's just you know, you got
Speaker 1: the private lenders, private equity groups putting it together on
Speaker 1: these loans.
Speaker 2: So how do they differ? Give me an idea of
Speaker 2: how they differ.
Speaker 1: Okay, so for example, there's quite a few states in
Speaker 1: Colorado is one of them. Not all states that they allow.
Speaker 1: They'll allow reverse mortgages down to age fifty five. Now,
Speaker 1: obviously you're going to have some equity. Probably won't work
Speaker 1: quite you know as well there, but you can do
Speaker 1: it down to age fifty five in Colorado. Now thecker
Speaker 1: yet the HACKM FHA you still have to be sixty two.
Speaker 1: And then another great product they've come out with is
Speaker 1: what they call a they call a home safe second,
Speaker 1: which is for people, and that goes down age fifty
Speaker 1: five also, but if you if you have you know,
Speaker 1: if you've got a five hundred thousand dollars house and
Speaker 1: you only have like a fifty thousand mortgage at two percent,
Speaker 1: you don't want to get rid of that rate, Well
Speaker 1: they can actually now you can do a second mortgage,
Speaker 1: reverse mortgage. Second, that could off all your credit card
Speaker 1: debts and all that debts, and that'll go up to
Speaker 1: about forty five loan to value on something like that.
Speaker 1: But so those are some of the wow. The other
Speaker 1: products is both people don't have to be sixty two anymore.
Speaker 1: You do work off the younger bars age as far
Speaker 1: as doing the calculations for the money out. But so yeah,
Speaker 1: there's a lot a lot of openings as far as
Speaker 1: that goes as far as the age limits.
Speaker 2: So in this couple, let's say one of them's eighty six,
Speaker 2: one of them is eighty two, they get the reverse loan.
Speaker 2: Do you get it in both names so the other
Speaker 2: one doesn't have to be displaced?
Speaker 17: Yeah, well, you no matter what, if they're living in
Speaker 17: the house, they have to be You have to to
Speaker 17: put that up there, and yes you can't.
Speaker 1: You still can't take a spouse off. So you can
Speaker 1: take her you know, she can be what they call them.
Speaker 2: Non okay, So she was so, So if you're a
Speaker 2: if you're an older guy, if you're an older guy
Speaker 2: and you're living with a younger woman, you can't get
Speaker 2: a reverse loan if she does not qualify.
Speaker 1: Well, right, but she most likely they qualified a pretty
Speaker 1: young age. But I mean thirty nine. But then they're
Speaker 1: going to limit to what you have. But you know,
Speaker 1: if you're seventy five and you have a spouse that's
Speaker 1: forty five and you got a million dollar house, yeah,
Speaker 1: they're going to still give you a reverse and she's
Speaker 1: gonna still be protected because it's going to be based
Speaker 1: off of her age.
Speaker 2: The money is that they give, Okay, but it would
Speaker 2: severely limit the amount of money you can get because
Speaker 2: of the younger spouse.
Speaker 1: That is correct.
Speaker 2: So when the older so let me get this straight.
Speaker 2: If if an older spouse and a younger spouse, they
Speaker 2: get a loan and they have it the loan and
Speaker 2: the older spouse dies, the younger spouse can still live
Speaker 2: there and still continue yep, and that's a big.
Speaker 1: Okay they made Yeah. Yeah, and they won't let if
Speaker 1: you're married, like, they won't let you only do the
Speaker 1: loan under your name. If you're married, that's okay, Dot,
Speaker 1: you can't do that.
Speaker 3: Yeah.
Speaker 2: What about living? You know, nowadays people people are really creative.
Speaker 2: What about living in the same household? Does that count?
Speaker 11: Uh?
Speaker 1: What we do about that is if they're not married,
Speaker 1: we do a calculation on how many people live in
Speaker 1: that household, and then you have to have some residual
Speaker 1: income to qualify for that. So the more people, you know,
Speaker 1: typically reverses. You don't have to show a lot of income.
Speaker 1: Social Security will work. But if you have like you know,
Speaker 1: you know, a cousin or aunt and sister, they do
Speaker 1: a calculation on how much residual income you have to have,
Speaker 1: so you couldn't do a no income loan.
Speaker 2: Leftover, what about grandparents? What about grandparents that might have
Speaker 2: a minor or might have a young dependent.
Speaker 1: You know, they can't protect that dependent as far as
Speaker 1: the long as they can live on that. But it
Speaker 1: just really what it does is it takes into effect
Speaker 1: of how much they'd have to show in residual income.
Speaker 1: Every month. But then when normally though, when the parents
Speaker 1: passed away, they would give that person basically a year
Speaker 1: to either refinance or sell the house to pay that
Speaker 1: up rivers mortgage.
Speaker 2: Okay, all right, Now, on a normal circumstance though, with
Speaker 2: a reverse loan, if they want to leave or they
Speaker 2: want to sell, it's like any other sale. It's like
Speaker 2: any other moving. You pay off the loan.
Speaker 1: Correct, Yeah, just just like a regular mortgage. You got
Speaker 1: you know what your b house do and then you
Speaker 1: keep all the equity in it. And that's what people forget.
Speaker 2: And if for some reason, if for some reason, the
Speaker 2: house went down in value, then you would have you
Speaker 2: can just walk away. Is that right.
Speaker 1: It's non recourse, which is nice. And yeah, it's non recourse,
Speaker 1: so theirs, whoever they left the house to, can always
Speaker 1: walk away. And now they also always offer the house
Speaker 1: out a ninety five percent value of what is owed
Speaker 1: if they want to buy it, you know, buy it
Speaker 1: out because that makes fifty old house. Yeah, that's what
Speaker 1: they want to do.
Speaker 2: Whatever, that's really good the house? Yeah yeah, okay, real
Speaker 2: quick here, I had a text while we were talking.
Speaker 2: How would buying a home with a reverse loan work?
Speaker 2: How does that work?
Speaker 1: It would be very very similar to the age. But
Speaker 1: say say you're reversed and say you qualify for that
Speaker 1: you're at like they're aged about eighty four. Well, there,
Speaker 1: you're going to have to put down about forty five
Speaker 1: percent of the purchase price and then you can get
Speaker 1: a loan for the additional fifty five percent and then
Speaker 1: works just like a reverse and never have a mortgage payment.
Speaker 1: So like if you're sixty five and you want to
Speaker 1: do this with a reverse mortgage, you'd have to probably
Speaker 1: put down sixty percent of the value of the house.
Speaker 1: So you know, if you have one hundred thousand, you
Speaker 1: know you have and then you get along for the
Speaker 1: uh for the forty percent.
Speaker 2: Yeah, well, thank you very much. I really appreciate this, John,
Speaker 2: and it's Partner in Lending. Thank you, bro, Thank you.
Speaker 2: Partner in Lending dot com leit or three oh three
Speaker 2: seven one three talk seven one three eight two five five.
Speaker 2: This is odd. We have two problems back to back
Speaker 2: with garage doors. Let's go to Kent first, Kent, talk
Speaker 2: to me about your garage door issue. What's going on
Speaker 2: with you.
Speaker 9: I take care of the house for my brother in
Speaker 9: law and fort Collins. He lives in Tucson. On I
Speaker 9: requested an a price to replace the garage door which
Speaker 9: was damaged by a tenant, and called Front Range Rainer
Speaker 9: and requested it. They shot me back a price, and.
Speaker 2: Then did you need to replace the whole door?
Speaker 8: No, just two or three panels? But at some point
Speaker 8: if it's three panels or more, they just say, you know,
Speaker 8: it's better to just replace the whole door. But they
Speaker 8: thought two panels would probably do it. But I ended
Speaker 8: up getting a bill for one hundred and sixty six
Speaker 8: forty one for adjustments that they made while they were
Speaker 8: there lubrication, they adjusted springs and stuff.
Speaker 9: Like that, which I did not request.
Speaker 2: Okay, let me ask you a couple of questions. This
Speaker 2: is very interesting. What did you request? What brought them
Speaker 2: out to your home?
Speaker 9: I needed a price to to replace or repair the
Speaker 9: garage door?
Speaker 2: And was when you did you? Did you do this
Speaker 2: online or by did you do this online or by
Speaker 2: the phone?
Speaker 9: By phone?
Speaker 2: And and I think what happened was and I know
Speaker 2: a lot of places have this, including one Clear Choice
Speaker 2: garage Doors, which I love. They're my there, my go
Speaker 2: to company, but they have I don't think one Clear
Speaker 2: Choice Doors goes out to a home to check out
Speaker 2: doors free. I think they have an inspection fee and
Speaker 2: included in that is adjustments and lubrication and all of that. Now,
Speaker 2: if you want a new door, maybe they go out
Speaker 2: and look. I don't know. I really don't know this,
Speaker 2: but I think what happened is you pro probably called
Speaker 2: and they put you down for their basic maintenance. That's
Speaker 2: probably what happened. But do they have normally they record
Speaker 2: these calls. Did you call them and say, look, I
Speaker 2: never requested the service.
Speaker 9: Yes, I've contacted them twice and they said that I
Speaker 9: requested service, and I.
Speaker 2: Said, okay, do they have the.
Speaker 9: No, they do not record the calls.
Speaker 2: She said, But well, you're right, why would you call
Speaker 2: if you're thinking about replacing it? Why would you call
Speaker 2: for a service?
Speaker 9: Exactly? That's what I asked her, and she had no response.
Speaker 2: By the way, let me ask you something, how is
Speaker 2: the door operating now that they did that?
Speaker 9: The door has always been fine? I mean I didn't yeah,
Speaker 9: and the damage to the front, the damage to the
Speaker 9: door was just cosmetic.
Speaker 1: It was just you know, minor.
Speaker 2: So you don't notice it. You don't notice the door
Speaker 2: operating any better now than before.
Speaker 5: No, you know, I.
Speaker 2: Wouldn't pay it. If I didn't request a service, I
Speaker 2: wouldn't pay it. I would make them prove that I
Speaker 2: asked for it. The problem is it's going to get
Speaker 2: a little messy, don't you think, Mark, I think that
Speaker 2: they're going to do a lean or something. It could
Speaker 2: get messble. What was the name of the company, Rainer,
Speaker 2: I believe you said, right, brainer, Yeah, Okay, hold on
Speaker 2: a second. Let's give them a call and let's see
Speaker 2: if we can get their comment on this. One of
Speaker 2: the deputies, their deputy Dollar. Let's give them a call.
Speaker 2: I'm Tom Martinez. We have more coming up on The
Speaker 2: Troubleshooter Show. Stay tuned for problems, questions and complaints. Ripped
Speaker 2: off need so you don't have.
Speaker 1: Come running.
Speaker 13: Just as fast as we can.
Speaker 4: Shooter's gonna help come man Dix.
Speaker 5: Is the Troubleshooter Show.
Speaker 2: No, Tom Martino, Martino, Welcome to the show today. I'm
Speaker 2: Dan McKenzie with me from McKenzie Law. Of course, phone
Speaker 2: calls take priority. We'll get to your phone calls. But Dan,
Speaker 2: I have a text that's very interesting and it asks
Speaker 2: here's what it says. They are positive there was a
Speaker 2: will involved. Dan McKenzie. McKenzie Law does a state planning
Speaker 2: and stuff like that. They were positive there's a will,
Speaker 2: the dad referenced the will. Often they can't find the will.
Speaker 2: What do you do in a case like that when
Speaker 2: you have four siblings, a dad that passed away, the
Speaker 2: mother's already gone, and he referenced a will, talked about
Speaker 2: a will. They suspect maybe this one older sibling might
Speaker 2: have the will, but he's not disclosing it. But for
Speaker 2: all intents and purposes, right now it's missing. Okay, what
Speaker 2: do you do?
Speaker 1: Yeah?
Speaker 14: Unfortunately, the court presumes if you're not able to produce
Speaker 14: the original will, not just a copy of the original,
Speaker 14: that the reason you can't do it is because it
Speaker 14: was destroyed. So and that's possible, right, this guy could
Speaker 14: have been talking about it for years.
Speaker 2: Should you proceed as what do they call it? Intestine?
Speaker 14: Yes, you could open a probate, say it's a formal probate,
Speaker 14: and then ask the.
Speaker 15: Court to issue some sort of order.
Speaker 14: But I would probably start with a letter to all
Speaker 14: the siblings that just explains the statue in Colorado that says,
Speaker 14: if you are in custody of a will and you
Speaker 14: do not bodget with the county court within ten days,
Speaker 14: you might have a problem on your hands if that
Speaker 14: failure to lie causes someone to lose money that they
Speaker 14: would have gotten.
Speaker 2: But so what do you do? Though? So it goes
Speaker 2: as if there is no will first, right, since there
Speaker 2: is no one?
Speaker 14: I mean, yeah, So that's the question is why, I mean,
Speaker 14: who thinks that there was a will that was beneficial
Speaker 14: to them?
Speaker 2: They all remember the dad talking, they didn't talk about
Speaker 2: the beneficial and again I'm only going by this text,
Speaker 2: but they say that they all agree there was a will.
Speaker 2: He mentioned the will, but they can't find the will.
Speaker 14: I mean, I guess the really the first question is
Speaker 14: is there a probatable estate here?
Speaker 2: What did he have?
Speaker 15: Did he have real estate? Did he have eighty six
Speaker 15: thousand dollars with?
Speaker 1: Yeah?
Speaker 2: And I don't know that part, but let's assume he
Speaker 2: had a big estate or a medium estate and he
Speaker 2: needed to go through probate. But they can't find the will.
Speaker 2: Is there a such thing as a temporary settlement? And
Speaker 2: then they readjusted if they find the will, yeah.
Speaker 14: I mean, I proceed in testate and see what you know?
Speaker 14: We just go through that process, and then, like I said,
Speaker 14: notify everybody who might have custody of a will that, hey,
Speaker 14: you know, look for this.
Speaker 2: Is there a penalty for not bringing forth a.
Speaker 15: Will if it damages somebody?
Speaker 14: Kind of back to our med mail discussion, right, right,
Speaker 14: you can have all these bad things, but if there's
Speaker 14: no damages, it doesn't really make okay.
Speaker 2: So okay, let's say they settle things and later on
Speaker 2: a will is discovered. Can you actually go to court
Speaker 2: and have things readjusted?
Speaker 15: I mean obviously it's hard.
Speaker 14: Yes, sure, but you know, is the money already spent right.
Speaker 2: Around, so there's nothing you can do in most the
Speaker 2: practical the practical answer is you can do it, but
Speaker 2: you may never get paid.
Speaker 15: That's always a problem with medication.
Speaker 2: Yeah, that's the problem. And so people, here's the biggest
Speaker 2: problem I have found with the states, that they can't
Speaker 2: put their hands on a will readily or the person
Speaker 2: who has the will. Other people don't trust that the
Speaker 2: will is valid. So if I were you, I would
Speaker 2: make copies. I don't know, maybe this is bad advice. Dan,
Speaker 2: I was saying, have each air have a copy of
Speaker 2: the will? Is that a bad idea? Or a good idea.
Speaker 14: I mean, the problem is you just have to remember
Speaker 14: who you gave it to and if there are changes,
Speaker 14: I mean that creates issues. Right, if some people have
Speaker 14: inconsistent copies, it's going to be a problem. So you
Speaker 14: just create potentially a hassle if you want to update things.
Speaker 2: And then the original will is what takes precedent. Right, Yes,
Speaker 2: how do you tell if something's original? Do you market original?
Speaker 14: I mean that's why we try and sign things in
Speaker 14: color and stuff like that.
Speaker 2: Okay, okay, I'm getting better round And do you need
Speaker 2: notaries for those signed signatures?
Speaker 14: So technically under Colorado, so you either do with two
Speaker 14: witnesses or a notary. I will tell you that Denver
Speaker 14: Probate Court, if one of those is missing, they're going
Speaker 14: to make you go through the formal process. So for us,
Speaker 14: we always do both two witnesses and a notary.
Speaker 2: Oh, do both? So you do two witnesses plus a notary. Yeah,
Speaker 2: so you're having three witnesses to this signature basically. Yeah,
Speaker 2: all right, let's talk to Darryl and Nancy. Hello, Daryl
Speaker 2: and Nancy, whoever wants to take it? Take it? What's
Speaker 2: going on?
Speaker 1: All right?
Speaker 11: This is Darryl, my wife, Yes, for information more than
Speaker 11: anything else. We're well into our retirement. We're living in
Speaker 11: a house that we like very much, but as the
Speaker 11: costs are going up and as our income is going down,
Speaker 11: we're getting into some things that we want to look at.
Speaker 11: And we looked at things like second mortgages and reverse
Speaker 11: mortgages and maybe selling the house and downsizing, and we're
Speaker 11: struggling as to what to do and where to go
Speaker 11: first advice. We've talked to a couple of different mortgage companies,
Speaker 11: both for second mortgage and reverse mortgage, and obviously they're
Speaker 11: trying to sell something.
Speaker 1: Some time ago, a month or so ago.
Speaker 2: Okay, Darryl, Darryl, I have a few questions for you. Darryl,
Speaker 2: I have a few questions for you. How old are you?
Speaker 2: How old are you and your wife?
Speaker 11: We're in our middle to late eighties, late eighties.
Speaker 5: Okay.
Speaker 2: Now what I want to know is how is your
Speaker 2: house paid for?
Speaker 11: No, it's not we or we we're about halfway through
Speaker 11: the payments on it.
Speaker 2: Well I don't know what that means. So how much
Speaker 2: is owed on the house?
Speaker 11: But we all, you know, just under a half a
Speaker 11: million of them and the house is worth over nine
Speaker 11: hundred thousand.
Speaker 2: Okay, so you have about four hundred thousand inequity. Yeah, yeah, okay,
Speaker 2: And you're thinking about a reverse loan, and that's not
Speaker 2: a bad situation for your age. I would not get
Speaker 2: a second loan. They're not set up for what you
Speaker 2: want to do. If you do, you need money right now?
Speaker 2: Is that what you're looking for? Are you looking for income?
Speaker 1: Not so much?
Speaker 11: Well, I guess the answer with the yes to some extent,
Speaker 11: or to cover some of the bills and stuff that
Speaker 11: we've accummunated. If we got rid of those, then we'd
Speaker 11: probably not have.
Speaker 2: To What kind of bills? What kind of bills have
Speaker 2: you accumulated?
Speaker 1: Oh, mostly credit card over time?
Speaker 2: How much do you have in credit card debt?
Speaker 11: Well, I guess more than I'd like to admit. I'm
Speaker 11: not sure I want to.
Speaker 2: Well here how much? I mean, I'm trying to get
Speaker 2: a snapshot here about how much do you have in
Speaker 2: credit card debt?
Speaker 1: Twenty five to thirty thousand?
Speaker 2: Okay? And here's the most important question. Do you have
Speaker 2: to go to your credit cards every month in order
Speaker 2: to make your bills? Are you depending on credit like
Speaker 2: a second income or can you pay your bills? Let's
Speaker 2: say you got rid of the credit card debt, could
Speaker 2: you pay all of your bills on your existing income?
Speaker 1: I think so yes, Okay, what is your income?
Speaker 11: Well, it's just so security and we both have Social Security.
Speaker 2: Do you guys have any investment accounts?
Speaker 1: No, that's that's the issue. My investment account has finally.
Speaker 11: Run out, and that's why we're starting to get into
Speaker 11: a mind.
Speaker 2: Yep, yep, yep. And then do you have any savings
Speaker 2: of any kind?
Speaker 1: Yeah, yes, we do, Yes, we do.
Speaker 16: How much in savings about two hundred thousand And we're
Speaker 16: trying not to go.
Speaker 2: Into no, and I understand that completely. Now what I
Speaker 2: think if you were my parents, or my brother or
Speaker 2: sister or whatever, here's what I would suggest. And I'm
Speaker 2: going to go to our expert on the line on
Speaker 2: reverse loans. But because you're in your mid eighties and
Speaker 2: you have a home with about four hundred thousand dollars
Speaker 2: in equity, you would be able to get a good
Speaker 2: line of credit that could accrue on your house. You
Speaker 2: never have to make a payment, you never have to
Speaker 2: leave your home, and you can use the line of
Speaker 2: credit when you need it. You don't have to. It's
Speaker 2: not forced on you. It's there for emergencies. But what
Speaker 2: I would suggest is that what you do is that
Speaker 2: you use your income and you pay off your monthly
Speaker 2: bills and not use credit cards anymore, but use this
Speaker 2: line of credit instead. Now I'm going to bring up
Speaker 2: a John Clase. John is with CMG Mortgage. Now that's
Speaker 2: a mortgage banker. They are the ones that do the
Speaker 2: actual loans and he works for them, and it's direct lending.
Speaker 2: And John, you guys do reverse loans? Is that right?
Speaker 11: We do.
Speaker 1: We do a lot of reverse loans. We do help
Speaker 1: people out. And you said, you're.
Speaker 2: Don't you think they're in a good position. You think
Speaker 2: they're in a good position.
Speaker 1: I ran some of the numbers just kind of while
Speaker 1: we're on the phone, and at eighty four, so basically,
Speaker 1: what is your monthly mortgage payment right now? I mean,
Speaker 1: what what do you? What is what is that about?
Speaker 1: You're current twenty eight p I T. I wow, these numbers.
Speaker 1: The house is worth nine hundred and you'll five a
Speaker 1: reverse mortgage. You're going to be able to but you're
Speaker 1: going to be it's really just going to pay that
Speaker 1: mortgage off. You're not going to get much more than that,
Speaker 1: okay in this.
Speaker 2: Okay, but that that'll do him some good because he
Speaker 2: doesn't have to make another payment, correct.
Speaker 1: And that's tax free, you know, it's tax free. But
Speaker 1: he gets rid of that payment and that can help
Speaker 1: get rid of all your other debts and loosen up
Speaker 1: your lifestyle. But yes, that's do you think you do.
Speaker 2: You think he can squeeze Do you think he can
Speaker 2: squeeze enough out to pay off his loan and then
Speaker 2: maybe have some to pay off the credit card? Or
Speaker 2: do you think he's right on that limit there?
Speaker 1: Well, he wouldn't tell us what his credit card is,
Speaker 1: but i'd say paid that off and maybe squeeze out
Speaker 1: about another thirty thousand or so.
Speaker 2: So I'm not sure what that's what he's talking about.
Speaker 2: He was talking about thirty thousand. So, Daryl, what we're
Speaker 2: talking about is this, if you use your home and
Speaker 2: get a reverse loan, it does away with your first
Speaker 2: deed of trust or your first mortgage. It does away
Speaker 2: with it. It's gone. So now you save twenty eight
Speaker 2: hundred dollars a month. Right there? You saved two eight
Speaker 2: hundred dollars. Didn't you say your payment was twenty eight hundred.
Speaker 7: Yeah, but he still has insurance and taxes which are
Speaker 7: probably eight hundred to twelve hundred of that easily.
Speaker 1: From you're wrong sevent.
Speaker 2: Yeah, that's gonna That's what I thought. It's not going
Speaker 2: to be. Yeah, so here, but think about this, Daryl.
Speaker 2: If you were able to get that mortgage done, you
Speaker 2: don't have to pay on it, and all you have
Speaker 2: to pay are taxes and insurance, and then he can
Speaker 2: it's enough out to pay off those credit cards. You'd
Speaker 2: be in a good position. You'd be in your home,
Speaker 2: free and clear for all practical purposes. I mean free
Speaker 2: and clear. It's actually eating up your equity, but you
Speaker 2: can stay there the rest of your life. But what
Speaker 2: happens We got to take a break, and I want
Speaker 2: to know what happens when you have two people who
Speaker 2: do you qualify with? And will one have to move
Speaker 2: when the other one dies. We'll talk about that and
Speaker 2: more coming right up on the Troubleshooter Show. I'm Tom Martino.
Speaker 2: You know, reverse loans are a very useful tool. They
Speaker 2: really are. You know, they're not for everyone, just like
Speaker 2: any financial instrument, it depends on your situation. But when
Speaker 2: you have equity sitting there and you're in your mid eighties. Now,
Speaker 2: John Clace, does that open them up for about forty
Speaker 2: percent of of the like like like, the older you get,
Speaker 2: the more equity you can take. So let's say you
Speaker 2: have a house that's paid for. You have a house
Speaker 2: that's paid for and it's worth eight hundred thousand dollars.
Speaker 2: How much what is the most you'll ever get of
Speaker 2: that equity? Fifty percent?
Speaker 1: Yeah, you know, fifties some programs fifty five by top
Speaker 1: if you're up there in the eighties, you know, eighties,
Speaker 1: but you.
Speaker 2: Got to be you got to be in your mid
Speaker 2: to high eighties, right to get that much, you have
Speaker 2: to be to your mid to high eighties. Okay, So
Speaker 2: someone who is by Tom Yeah, no, no, I'm listening.
Speaker 2: Tell me the different categories.
Speaker 1: Well, yeah, so somebody in their sixties, you know, you're
Speaker 1: going to be looking at thirty eight forty percent, you
Speaker 1: go there. Once you get up towards the high sixties,
Speaker 1: early seventies, it's about forty five percent. And then once
Speaker 1: you get you know, to that eighty mark, you can
Speaker 1: start looking at that forty five fifty percent mark.
Speaker 2: So, so what you were saying about What were you
Speaker 2: saying about Darryl and Nancy Is if they're in their
Speaker 2: mid eighties and their house is worth about nine hundred,
Speaker 2: the most they're ever going to get is about four fifty.
Speaker 1: Well you migrate the numbers actually with them being eighty four.
Speaker 1: While we were on the phone and it came out.
Speaker 1: It's one of the proprietary products came out where we
Speaker 1: could get him about five hundred and thirty thousand dollars
Speaker 1: out of it.
Speaker 2: So, oh, that's excellent. So if they get five hundred
Speaker 2: and thirty yep, and they can pay off their credit
Speaker 2: cards exactly.
Speaker 1: So yeah, that was and that's kind of our max.
Speaker 1: It's called our max product that that does that on
Speaker 1: some of that you know, reverses are interesting. I talked
Speaker 1: to guys the other day. He called me from your
Speaker 1: show and he's he's sixty one, and he's like, well,
Speaker 1: I don't know if it will work, but we have
Speaker 1: they'll actually go down to age fifth five these days
Speaker 1: with some of these products, you know type deal.
Speaker 2: Again, the idea is the older, the more you get,
Speaker 2: and you have to pay off your first with a
Speaker 2: reverse loan. So whatever your first is that gets paid first,
Speaker 2: and then after that, after paying your mortgage off, if
Speaker 2: there's any cash left over, you can take that cash.
Speaker 2: What I recommend in a line of credit, which means
Speaker 2: you don't have to take it unless you need it,
Speaker 2: and when you need it, you can write yourself a
Speaker 2: check and you can even pay your taxes and insurance
Speaker 2: out of it. Right you can't.
Speaker 1: Yeah, another thing people don't realize unreversed mortgages. If you
Speaker 1: feel like it, you can always make a mortgage payment
Speaker 1: the same like a first and it just stops growing.
Speaker 2: Right, of course you can, You're right, John, People don't.
Speaker 2: People don't often think about that. But really, if you're
Speaker 2: in Darryl and Nancy's position, why would you make a payment.
Speaker 2: I mean, I know a lot of parents bend over
Speaker 2: backwards to try to preserve their equity for their kids,
Speaker 2: and I say, the hell with your kids. If you've
Speaker 2: worked your life, you worked your whole life, you don't
Speaker 2: have to preserve your equity. You can live off of it.
Speaker 2: What I want to ask Darryl or Nancy, do you
Speaker 2: have any questions for John, Because we would refer you
Speaker 2: to him. He'll take good care of you. You'd be
Speaker 2: able to pay off your first, save that twenty eight
Speaker 2: hundred dollars a month, plus pay off your credit cards.
Speaker 2: I mean, think about how much money you would have
Speaker 2: every month if you didn't have to pay a mortgage
Speaker 2: and you didn't have to pay for the credit cards.
Speaker 2: Think about that?
Speaker 1: Well that certainly.
Speaker 2: Do you have any questions?
Speaker 1: I guess yeah, the question I have.
Speaker 11: The other question I have is would it makes sense
Speaker 11: to take some money.
Speaker 1: Out of our savings to pay off some of the debt?
Speaker 2: Well, that's a personal choice. I always say that if
Speaker 2: your savings are sitting there making two and three percent
Speaker 2: and you're paying out monthly on high interest of fourteen
Speaker 2: to eighteen to twenty five percent, of course it pays
Speaker 2: because for every dime you pay off, you're saving that interest.
Speaker 2: That's why I always say, if you're looking to build
Speaker 2: financial wealth or health, what you need is to get
Speaker 2: rid of high interest debt. And right now you have
Speaker 2: thirty or forty thousand, or twenty or thirty thousand, whatever
Speaker 2: it is, it's too much. How much do your credit
Speaker 2: card payments come to every month?
Speaker 11: Oh somewhere around twelve fourteen hundred dollars?
Speaker 7: Yeah, well, think about change if you took that thirty
Speaker 7: thousand paid off those credit cards, you have the reverse mortgage,
Speaker 7: you're going to be basically making twenty four thousand dollars
Speaker 7: more a year in cash flow. And by the way,
Speaker 7: I do want to say Markia Daryl.
Speaker 2: They're going to say Mark. They're gonna save forty two
Speaker 2: hundred dollars a month, four two hundred dollars a month.
Speaker 7: And the other thing, though, Darryl and Nancy, is if
Speaker 7: you are truly just in a savings account, that's kind
Speaker 7: of crazy. If you want to keep it liquid, that's great.
Speaker 7: But there's different there's different vehicles out there through Schwab
Speaker 7: or even through Wave eight or somewhere where where they
Speaker 7: can invest at and easily make you five percent and
Speaker 7: it's liquid the next day, the next day.
Speaker 2: Yes, yes, yes, so you got you got yes. I
Speaker 2: think what you first look at first is you talk
Speaker 2: to John Clays about a reverse loan. I'm really serious.
Speaker 2: Now listen to this. Once you pay off your mortgage
Speaker 2: and you're saving that twenty eight hundred dollars a month,
Speaker 2: now you can decide how do I want to pay
Speaker 2: those credit cards? Do I want to take it out
Speaker 2: of savings or do I want to take it from
Speaker 2: my line of credit. I personally would not touch my
Speaker 2: savings except for what Mark said. Maybe put it in
Speaker 2: a you know, nothing risky, but put it in something
Speaker 2: that can at least grow better than a savings account.
Speaker 2: And there are even a money market or a CD.
Speaker 2: But what I would definitely do is talk to John
Speaker 2: Partner in lending dot com about a reverse loan. No
Speaker 2: doubt in my mind, no doubt in my mind. And
Speaker 2: how long? I'm just curious, how long have you guys
Speaker 2: been married?
Speaker 11: Uh?
Speaker 1: Fifty nine years?
Speaker 2: Wow? Congratulately. Crap. What's the secret?
Speaker 1: I'm jack damn.
Speaker 2: The secret is knowing when you're wrong, which is most
Speaker 2: of the time, and your wife is always right. That's right,
Speaker 2: if you keep that in mind. I have a I
Speaker 2: have a shirt that says, if at first you don't exceed,
Speaker 2: do what Stephanie told you to do to begin with,
Speaker 2: and so you ought to get a shirt like that
Speaker 2: with Nancy on it. Yep, thank you very much for
Speaker 2: calling and John Clay, I really appreciate this, and you
Speaker 2: talk about reverse loans and what I'm confused about something
Speaker 2: not confused in a bad way, but I'm glad to
Speaker 2: hear there are more offerings. If you could hold on,
Speaker 2: I want to ask about some of these so called
Speaker 2: proprietary products or different kinds of loans. I thought they
Speaker 2: were all government backs to excuse me, reverse loans, and
Speaker 2: you talked about private loans. I want to talk about
Speaker 2: that right after this. I'm Tom Martine. Three three seven
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Speaker 2: Hi Tom Martine, you're troubleshooter three three seven one three
Speaker 2: talk seven one three eight two five five. Can you
Speaker 2: guess what I'm doing when I'm off the air here? No,
Speaker 2: you can't anyway. By the way, Tom, I think you
Speaker 2: gave some wrong information to that woman who said was
Speaker 2: it a woman or a guy? The restitution ordered to
Speaker 2: pay restitution. She was ordered to pay restitution for an
Speaker 2: accident in a parking lot, and he said, she can
Speaker 2: ask for a restitution hearing, and the only reason that
Speaker 2: the amount was assessed is because the other party was
Speaker 2: asking for it. If she signs a promisory note, she's
Speaker 2: admitting and agreeing to it, but she can ask for
Speaker 2: a hearing on that to determine restitution. Now, let's go
Speaker 2: back to johnclaspartner in lending dot Com, which is CMG Mortgage,
Speaker 2: talking about reverse loan. John, you talked about different kinds
Speaker 2: of reverse loans. At one time, all reverse loans came
Speaker 2: from government guarantees. Is that right?
Speaker 1: Yeah, so they did. They used to be called the
Speaker 1: hackem Wars and backed by FAHA, but they're all federally guaranteed.
Speaker 1: And since in the last few years, they've come out
Speaker 1: a lot of come out with proprietary products with her
Speaker 1: which still have the same protections as all the government loans.
Speaker 1: It's just you know, you got the private lenders, private
Speaker 1: equity type groups putting it together on these loans.
Speaker 2: So how do they differ? Give me an idea of
Speaker 2: how they differ.
Speaker 1: Okay, So, for example, there's quite a few states in
Speaker 1: Colorado is one of them? Not all states that they allow,
Speaker 1: they'll allow reverse mortgages down to age fifty five. Now
Speaker 1: obviously you're going to have some equity, probably won't work
Speaker 1: quite you know as well there, but you can do
Speaker 1: it down to age fifty five in Colorado now yet
Speaker 1: the hack em faha used to have to be sixty.
Speaker 1: And then another great product they come out with is
Speaker 1: what they call a they call a home Safe second,
Speaker 1: which is for people, and that goes down age fifty
Speaker 1: five also. But if you if you have you know,
Speaker 1: if you've got a five hundred thousand dollar house and
Speaker 1: you only have like a fifty thousand mortgage at two percent,
Speaker 1: you don't want to get rid of that rate, Well
Speaker 1: they can actually now you can do a second mortgage
Speaker 1: reverse mortgage second. That could pay off all your credit
Speaker 1: card debts and all that debts, and that'll go up
Speaker 1: to about forty five fifty loan to value on something
Speaker 1: like that. But so those are some of the wow.
Speaker 1: The other products is both people don't have to be
Speaker 1: sixty two anymore. You do work off the younger bars
Speaker 1: age as far as doing the calculations for the money out.
Speaker 1: But so yeah, there's a lot a lot of openings
Speaker 1: as far as that goes, as far as the age limits.
Speaker 2: So in this couple, let's say one of them's eighty six,
Speaker 2: one of them is eighty two, they get the verse loan.
Speaker 2: Do you get it in both names so the other
Speaker 2: one doesn't have to be displaced?
Speaker 17: Yeah, well you no matter what, if they're living in
Speaker 17: the house, they have to be.
Speaker 1: You have to to put that up there, and yes
Speaker 1: you can't. You still can't take a spouse off. So
Speaker 1: you can take her you know, she can be what
Speaker 1: they call them.
Speaker 2: Not okay, so she was. So so if you're if
Speaker 2: you're an older guy, if you're an older guy and
Speaker 2: you're living with a younger woman, you can't get a
Speaker 2: reverse loan if she does not qualify.
Speaker 1: Well, right, but she most likely they qualified at pretty
Speaker 1: young age, but I mean thirty nine. But then they're
Speaker 1: gonna limit to what you have. But you know, if
Speaker 1: you're seventy five and you have a spouse that's forty
Speaker 1: five and you got a million dollar house, yeah, they're
Speaker 1: gonna still give you a reverse and she's gonna still
Speaker 1: be protected because it's gonna be based off of her age.
Speaker 1: The money is that they give.
Speaker 2: Okay, but it would severely limit the amount of money
Speaker 2: you can get because of the younger spouse.
Speaker 1: That is correct, So when.
Speaker 2: The older So so let me get this straight. If
Speaker 2: if an older spouse and a younger spouse they get
Speaker 2: alone and they have it the loan, and the older
Speaker 2: spouse dies, the younger spouse can still live there and
Speaker 2: and still continue.
Speaker 1: Yep, and that's big. Okay they made Yeah. Yeah, and
Speaker 1: they won't let if you're married, like, they won't let
Speaker 1: you only do the loan under your name if you're married.
Speaker 1: That's okay, gotcha, can't do that.
Speaker 2: Yeah, what about living? You know, nowadays people people are
Speaker 2: really creative. What about living in the same household? Does
Speaker 2: that count?
Speaker 11: Uh?
Speaker 10: What we do.
Speaker 1: About that is, if they're not married, we do a
Speaker 1: calculation on how many people live in that household, and
Speaker 1: then you have to have some residual income to qualify
Speaker 1: for that, so more people, you know, typically reverses. You
Speaker 1: don't have to show a lot of income. Social Security
Speaker 1: will work. But if you have like you know, you know,
Speaker 1: a cousin or aunt and sister, they do a calculation
Speaker 1: on how much residual income you have to have, so
Speaker 1: you couldn't do a no income loan leftover?
Speaker 2: What about grandparents? What about grandparents that might have a
Speaker 2: minor or might have a young dependent.
Speaker 1: You know, they can't protect that dependent as far as
Speaker 1: the long as they can live on that. But it
Speaker 1: just really what it does is it takes into effect
Speaker 1: of how much they'd have to show in residual income
Speaker 1: every month.
Speaker 2: But but then when the normally though.
Speaker 1: So when the parents passed away, they would give that
Speaker 1: person basically a year to either refinance or sell the
Speaker 1: house to pay that up rivers.
Speaker 2: Morphine, okay, all right, Now, on a normal circumstance though
Speaker 2: with a reverse loan, if if they want to leave
Speaker 2: or they want to sell, it's like any other sale.
Speaker 2: It's like any other moving. You pay off the loan, correct.
Speaker 1: Yeah, just just like a regular mortgage. You got, you
Speaker 1: know what your b house do and then you keep
Speaker 1: all the equity in it. And that's what people forget.
Speaker 2: And if for some reason, if for some reason the
Speaker 2: house went down in value, then you would have you
Speaker 2: can just walk away, is that right.
Speaker 1: It's non recourse, which is nice. Yeah, it's non recourse.
Speaker 1: So theirs, whoever they left the house to, can always
Speaker 1: walk away. And now they also always offer the house
Speaker 1: out a ninety value of what what is owed. If
Speaker 1: they want to buy it, you know, buy it out,
Speaker 1: they own house, that's what they want to do. Whatever.
Speaker 2: That's really good in the house. Yeah yeah, okay, real
Speaker 2: quick here I had a text while we were talking.
Speaker 2: How would buying a home with a reverse loan work?
Speaker 2: How does that work?
Speaker 1: Be very very similar to the age but say say
Speaker 1: you're reversed and say you qualified for that're at like
Speaker 1: their age about eighty four. Well, there, you're going to
Speaker 1: have to put down about forty five percent of the
Speaker 1: purchase price and then you can get a loan for
Speaker 1: the additional fifty five percent and then works just like
Speaker 1: a reverse you never have a mortgage payment. So like
Speaker 1: if you're sixty five and you want to do this
Speaker 1: with a reverse mortgage, you'd have to probably put down
Speaker 1: sixty percent of the value of the house. So you know,
Speaker 1: if you have a hundred thousand, you know you have,
Speaker 1: and then you get a loan for the for the
Speaker 1: forty percent. Yeah, well, thank.
Speaker 2: You very much. I really appreciate this, John, and it's
Speaker 2: a partner in lending. Thank you, bro, thank you Partner
Speaker 2: in lending dot com. Hi Tom Martinez you're troubleshooter. Three
Speaker 2: oh three seven one three talk seven one three eight
Speaker 2: two five five. This is odd. We have two problems
Speaker 2: back to back with garage doors. Let's go to Ken first, Kent,
Speaker 2: talk to me about your garage door issue. What's going
Speaker 2: on with you.
Speaker 9: I take care of a house for my brother in
Speaker 9: law and Fort Collins. He lives in Tucson on I
Speaker 9: requested an a price to replace the garage door which
Speaker 9: was damaged by a tenant, and called Front Range Rainer
Speaker 9: and requested it. They shot me back a price, and then.
Speaker 2: Did you need to replace the whole door?
Speaker 9: No, just two or three panels, But at some point
Speaker 9: if it's three panels or more, they just say, you know,
Speaker 9: it's better to just replace the whole door. But they
Speaker 9: thought two panels would probably do it. But I ended
Speaker 9: up getting a bill for one hundred and sixty six
Speaker 9: forty one for adjustments that they made while they were
Speaker 9: there lubrication, they adjusted springs and stuff like that which
Speaker 9: I did not request.
Speaker 2: Okay, let me ask you a couple of questions. This
Speaker 2: is very interesting. What did you request? What brought them
Speaker 2: out to your home?
Speaker 9: I needed a price to replace or repair the garage door.
Speaker 2: And when you did you? Did you do this online
Speaker 2: or by did you do this online or by the phone?
Speaker 1: By phone?
Speaker 2: And I think what happened was and I know a
Speaker 2: lot of places had this, including one Clear Choice Garage Doors,
Speaker 2: which I love, They're my go to company, but they
Speaker 2: have I don't think one Clear Choice Doors goes out
Speaker 2: to a home to check out doors free. I think
Speaker 2: they have an inspection fee and included in that is
Speaker 2: adjustments and lubrication and all of that. Now, if you
Speaker 2: want a new door, maybe they go out and look.
Speaker 2: I don't know. I really don't know this, but I
Speaker 2: think what happened is you probably called and they put
Speaker 2: you down for their basic maintenance. That's probably what happened.
Speaker 2: But do they have normally they record these calls. Did
Speaker 2: you call them and say, look, I never requested the service.
Speaker 9: Yes, I've I've contacted them twice and they said that
Speaker 9: I requested service. And I said, okay, do they have
Speaker 9: the ti it? No, they do not record the calls.
Speaker 2: She said, but why Well, you're right, why would you
Speaker 2: call if you're thinking about replacing it? Why would you
Speaker 2: call for a service?
Speaker 9: Exactly? That's what I asked her, and she had no
Speaker 9: no response.
Speaker 2: By the way, let me ask you something, how is
Speaker 2: the door operating now that they did that?
Speaker 9: The door has always been fine.
Speaker 1: I mean I didn't.
Speaker 9: Yeah, and the and the damage to the front of
Speaker 9: the damage to the door was just cosmetic.
Speaker 1: It was just you know, minor.
Speaker 2: So you don't notice it. You don't notice the door
Speaker 2: operating any better now than before. No, you know, I
Speaker 2: wouldn't pay it. If I didn't request a service, I
Speaker 2: wouldn't pay it. I would make them prove that I
Speaker 2: I asked for it. The problem is, it's going to
Speaker 2: get a little messy, don't you think, Mark, I think
Speaker 2: that they're going to to do a lean or something.
Speaker 2: It could get what was the name of the company, Rainer,
Speaker 2: I believe you said, right, Rainer. Yeah, Okay, hold on
Speaker 2: a second. Let's give them a call and let's see
Speaker 2: if we can get their comment on this. One of
Speaker 2: the deputies, their deputy Dollar. Let's give them a call.
Speaker 2: I'm Tom Martino. We have more coming up on the
Speaker 2: Troubleshooter Show. Stay tuned for problems, questions and complaints.
Speaker 4: Rip need that you don't have to running just as
Speaker 4: the can, No Shooter's gonna help coming man.
Speaker 5: This is the Troubleshooter Show. No Tom Martino.
Speaker 2: Hi, I'm Tom Martino. Welcome to the show. We are
Speaker 2: kicking butt here trying to solve your problem. To answer questions,
Speaker 2: Jay complaints. Abraham wants to talk about something that sounds
Speaker 2: pretty sad, a dog being shot by police. Abraham, what's
Speaker 2: going on with you?
Speaker 3: I'm I'm in my house right know, and I was
Speaker 3: getting some papers and a detector came through my door
Speaker 3: to my gate while I was locked, and he shot
Speaker 3: my dogs four times.
Speaker 2: What why was he coming to your house? Did he
Speaker 2: have a warrant?
Speaker 3: He was serving my wife and papers. No, no warrant,
Speaker 3: no nothing, just some papers, serve my wife and I
Speaker 3: have a gate.
Speaker 2: Now what was he serving? What was he serving your wife? Abe?
Speaker 2: What was he serving? Was this a sheriff's depity?
Speaker 3: We didn't get that he was a I don't know
Speaker 3: if he's had a badge on him, but we didn't
Speaker 3: get that far because he shot the dog.
Speaker 2: It was probably exactly that time he was just getting
Speaker 2: served or.
Speaker 3: She was yes, yes, yep it And there's no right
Speaker 3: and he should knocked on the side of my house.
Speaker 3: He should never have came to that front gate. That's
Speaker 3: why I have a.
Speaker 1: Lock on it.
Speaker 7: And you have a siuriosity? Do you have like a
Speaker 7: ring doorbell? Did anything capture all this?
Speaker 1: No?
Speaker 3: No?
Speaker 1: No?
Speaker 3: What the front door didn't I? And he opened the
Speaker 3: streen door. When over the screen door, the dog took.
Speaker 1: Off after him.
Speaker 3: You should never have went through that game, okay.
Speaker 2: And when the dog, when the dog went after him,
Speaker 2: what kind of dog is it?
Speaker 3: He's a massive mixed We read the rescue.
Speaker 2: So was this a sheriff's deputy or a prop abe?
Speaker 2: I need to know? Was this a sheriff's deputy? Do
Speaker 2: you know.
Speaker 3: He's a detective?
Speaker 2: What was he delivering to your What was he delivering
Speaker 2: to your wife?
Speaker 3: We don't We didn't get that far. Obviously, there's no
Speaker 3: jail sto ideals probably like child support stuff.
Speaker 7: That has to be a sheriff serving him.
Speaker 2: And he pulled out a gun jail or nothing like that.
Speaker 3: He pulled out the gun times.
Speaker 2: Okay when he shot the dog. Did you talk to
Speaker 2: the guy after that?
Speaker 1: I went off on him. I went off on him.
Speaker 2: And what did he say to you?
Speaker 3: Nothing? He didn't say nothing, got back in the truck
Speaker 3: and locked his door.
Speaker 2: Did you call the cops.
Speaker 3: Everybody's here. The cops are here. Everybody's here. They did
Speaker 3: a crime scene everything, and everybody's here.
Speaker 2: Are they there right now? They are?
Speaker 1: Yes?
Speaker 2: Okay, what are they saying? Happened?
Speaker 1: Detected?
Speaker 3: He came to sir, He went, he went to the
Speaker 3: front door of that front gate, and the dog came out,
Speaker 3: and he shot.
Speaker 1: The dog out.
Speaker 2: That's right, I get it, Tom.
Speaker 7: Basically, the guy came, he's got a gate in the
Speaker 7: front yard. The guy came to through the gate. He
Speaker 7: goes to his door. The dog runs out through the
Speaker 7: front door like it was going to attack the guy,
Speaker 7: and the guy shot it.
Speaker 2: I mean, that's what happened.
Speaker 9: Four times.
Speaker 3: Four times. And while there's kids in the house. I
Speaker 3: got five kids in that house. The neighbors have kids.
Speaker 3: My other neighbors have kids. He wasn't even thinking where
Speaker 3: for those shots really go.
Speaker 2: So the dog came. When you opened the screen door,
Speaker 2: did you want the dog to go out and bark
Speaker 2: at him?
Speaker 13: He he we were in the house.
Speaker 3: He opened that screen door. My front door was open.
Speaker 3: He opened the screen door and said hello, and the
Speaker 3: dog came out and ran after him. When he said hello,
Speaker 3: the dog heard me came running from the room. He
Speaker 3: opened the front he opened the screen door.
Speaker 2: I did, Actually, did you tell way Man that's wrong?
Speaker 2: Did you tell the police that he opened your screen door? Yes?
Speaker 3: I told him. They don't want to grieve me because
Speaker 3: they know he's in the wrong. They're just they're just
Speaker 3: they're just staring at me like I'm stupid. I know
Speaker 3: they know he's in the wrong, and they don't want
Speaker 3: to admit it. They know he's in the wrong. I
Speaker 3: told him, you know, you guys know he's in the wrong,
Speaker 3: and they just stay there stating me because they don't
Speaker 3: want to make that's one of their own. They're not
Speaker 3: they're not gonna go against their brother.
Speaker 2: I bet he was door to throw the papers in.
Speaker 3: Pretty probably probably, But he should never have went. My
Speaker 3: front gate is blocked, and that's why we have that
Speaker 3: lock on it. They told us keep that keep a
Speaker 3: lock on that front gate so the dog stays behind
Speaker 3: that fence. And we did as we were asked, and
Speaker 3: he went to that front gate. He should knock on
Speaker 3: the side of the house. He should never have went
Speaker 3: on that porch and opened that gate and went to
Speaker 3: that door, knowing what there's there's there's no there's no
Speaker 3: expending that isn't that all?
Speaker 1: Hey? Abe?
Speaker 2: Can may I ask what would your dog have done
Speaker 2: if he didn't have a gun? Would your dog have
Speaker 2: attacked him?
Speaker 1: Well?
Speaker 3: Yeah, he's a family probably because he's in my house.
Speaker 3: He's down there with in my house, so he's protecting
Speaker 3: the house. And not like he was outside of my gate.
Speaker 3: He was on my porch in front of my door.
Speaker 2: No, I get it. No, I get exactly what you're saying.
Speaker 2: This is terrible. Now what police agency showed up to investigate?
Speaker 1: What? What's that?
Speaker 2: What police agency showed up to investigate? What police agency
Speaker 2: showed up?
Speaker 3: What do you mean?
Speaker 2: You don't know? Is it Denver police? Or say, Jeff,
Speaker 2: go who is it?
Speaker 13: I'm asking, I'm in Lafaiet what?
Speaker 3: What? What agency?
Speaker 1: Is he?
Speaker 2: The dog?
Speaker 1: All right?
Speaker 11: No?
Speaker 3: He is ATF's ATF Wow?
Speaker 2: At Wow? What do you talk?
Speaker 1: Yeah?
Speaker 2: Wait a minute. The person that came to your door
Speaker 2: to serve you as ATF.
Speaker 3: Yes, that's who it was. So they're saying that they
Speaker 3: said they want to talk to my wife because I
Speaker 3: think one of her firearms. Only that's what it's about now, okay,
Speaker 3: And she's legal to have them.
Speaker 2: Did your wife report her firearms stolen?
Speaker 3: No, because I don't think we had the serial numbers
Speaker 3: when it got stolen from the car.
Speaker 2: How did they trace back.
Speaker 3: Guys, because one time they had if it's the same one,
Speaker 3: they had a King Supers one time and they came,
Speaker 3: they seen it and they they probably has the same one.
Speaker 3: It has to be that only one that was on
Speaker 3: her one time at King super.
Speaker 2: So an ATF agent. It was an ATF agent that
Speaker 2: came onto your property to serve to serve your wife
Speaker 2: some papers. Yes, okay, what are the papers they wanted
Speaker 2: to serve her?
Speaker 3: We didn't get that far, sir. They're they're they're okay,
Speaker 3: this is wait.
Speaker 2: I got a question. Wait a second.
Speaker 7: You you mentioned that you were I know what you
Speaker 7: were studios to do.
Speaker 2: Well, hold on you.
Speaker 7: You mentioned doing what you were supposed to do, keeping
Speaker 7: the dog in the Hey, what happened prior.
Speaker 3: He went to that gate and that he had that
Speaker 3: We were asked to keep the dog in the gate
Speaker 3: in the yard, and that's what we did. And he
Speaker 3: should have never went to that gate, He said, knocked
Speaker 3: on the side of who.
Speaker 2: You're missing me? What Mark is asking? Who told you
Speaker 2: to who told you. You said you you were doing
Speaker 2: what you were supposed to.
Speaker 3: Our manager, our manager, even my man. And we're on
Speaker 3: private property too.
Speaker 2: Was there an.
Speaker 7: Issue before where the dog got out or something like that.
Speaker 3: No, no, no, no, he just said this always. We
Speaker 3: had him on a leash before, and he said just
Speaker 3: keep him in the yard.
Speaker 2: And that's your landlord.
Speaker 1: Knocking on him.
Speaker 2: Yes, okay, so Mark, the landlord told him to keep
Speaker 2: the dog confined. The dog was confined. This ATF agent
Speaker 2: came on to his property. Well, according to him, opened
Speaker 2: up his door. He walked up on your porch and
Speaker 2: opened your screen door.
Speaker 1: Yeah.
Speaker 2: Yeah, he walked up onto your porch and opened the
Speaker 2: screen door.
Speaker 3: Opened the screen door, and the and the front and
Speaker 3: the front door. My wife says, he opened the both door,
Speaker 3: the screen door and the front door. He opened both doors.
Speaker 1: Of my house.
Speaker 7: What what paperwork were they serving if it wasn't to
Speaker 7: do with child support and it's an ATF person, I mean,
Speaker 7: is it a warrant to search the property?
Speaker 3: No no, no.
Speaker 13: Not at all, nothing like that.
Speaker 3: No, because he came by hisself, Thank you, brother, thank you.
Speaker 3: No he is so it was nothing like that because
Speaker 3: he was by hisself. They didn't come no suited up
Speaker 3: and not that he was by hisself, so obviously it wasn't.
Speaker 1: Not that serious.
Speaker 2: Geez, it's so weird.
Speaker 3: Yeah, they did not come back.
Speaker 2: But your wife had your Your wife has no idea
Speaker 2: your wife has who's there now? The ATF agent is
Speaker 2: being investigated. Who's investigating it? Is it Adams County? I
Speaker 2: don't know if that's Adams County?
Speaker 3: Yeah, Lafiett, Boulder County so yeah, okay, at Border County?
Speaker 2: So is Boulder is Boulder Sheriff Department?
Speaker 3: There, No, it's just Lafayette and Lafayete detective.
Speaker 2: Does Lafayette have a police department?
Speaker 1: Yeah, they do.
Speaker 2: Did they interview you, Yeah.
Speaker 3: They talked to him. They talked to every that they interviewed.
Speaker 3: My neighbors, everybody, and even the neighbors seen him go
Speaker 3: up on the porch and go to that gate.
Speaker 2: That's wrong, man. Did anyone get it on tape?
Speaker 1: Never?
Speaker 3: No, No, there's nothing on tape at all.
Speaker 1: I just it's not Are.
Speaker 2: They still are they still on your property? Are they
Speaker 2: still on your property right now?
Speaker 1: Yes?
Speaker 3: Yes, he may decided to just picked my dog up
Speaker 3: and took him.
Speaker 2: They took the dead dog.
Speaker 3: Yes, he made society just took him.
Speaker 2: Man, this is weird. Mark, What do you do with
Speaker 2: something like this? I would hope the investigation. Hey, shop
Speaker 2: and I tend to agree, Shopper, Can you call aafia
Speaker 2: to see if we can get a statement? Than can
Speaker 2: you call Afia police department to see if they can
Speaker 2: give a statement of any kind? Sure?
Speaker 7: I wonder if you know someone's from Lafayette right now?
Speaker 7: I wonder if we could get them.
Speaker 3: On they're not gonna go, let's find out. Want to
Speaker 3: talk to one of them.
Speaker 2: We're not telling anybody to go against anybody. We just
Speaker 2: we would loan to talk to one of them.
Speaker 1: Let me see it.
Speaker 2: Yeah, give a second, but hold on, hold on, hold on,
Speaker 2: don't do it until we take this break. Wait, just
Speaker 2: wait one second. I want to do it after this break.
Speaker 2: I gotta take this break. I'm Tom Martine three oh
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Speaker 2: nine thirty nine Fix myhome dot Com. Hey listen, man,
Speaker 2: this this case sounds really weird. Abraham. You know, we
Speaker 2: don't no matter what the ATF agent was there for
Speaker 2: to come onto your property, walk up on the porch,
Speaker 2: open the front door, open the screen door. The dog
Speaker 2: comes lunging out and he shoots the dog. My god,
Speaker 2: it sounds surreal. And you say, Lafayette police are looking
Speaker 2: into it. We have someone calling Lafayette police. Is there
Speaker 2: anything all else you can add to this, Abraham, He.
Speaker 11: Just had no right.
Speaker 10: Man.
Speaker 3: It comes to that gate, and he had no right
Speaker 3: to give me go. He said, knock outside the house
Speaker 3: and never went to that gate, end up to that
Speaker 3: front door, knowing that gate was locked.
Speaker 2: Now, when you say the gate was locked, what do
Speaker 2: you mean the gate was locked?
Speaker 3: I have a three year old son has a NATS
Speaker 3: that child can't even open. So it's left.
Speaker 9: Okay, so it under and then popped it?
Speaker 2: Got it? Got it? So it was a latched gate.
Speaker 2: He came through the latched gate, walked up onto your porch,
Speaker 2: opened the front door, but that was completely closed in.
Speaker 3: The front door.
Speaker 1: My wife said, yep.
Speaker 3: And then your dog saw the screen door and the
Speaker 3: front door.
Speaker 2: And when your dog saw the door open, he ran
Speaker 2: for it.
Speaker 11: Yep.
Speaker 3: Well, he said hello. He opened the door and said hello,
Speaker 3: and the dog heard that. After the dog picked up
Speaker 3: perked his ears, until off at the front door after him.
Speaker 2: And the guy shot.
Speaker 3: Him four times? Man, four times?
Speaker 2: Where were you at the time, Abraham?
Speaker 3: I was in my back room.
Speaker 2: And when you came out, what did you say? What
Speaker 2: the hell are you doing? I mean, what did you?
Speaker 2: Did you know who he was? Did he identify himself? Okay,
Speaker 2: CAUs Shannon, help me out here? What am I doing?
Speaker 2: Got it? For those I don't even know? I hope
Speaker 2: it didn't go out, But I mean, he's saying the
Speaker 2: F word. Too many times. I think we got listen.
Speaker 2: I'd like Schopper to find out from Lafayette what the
Speaker 2: hell's going on. I mean for a guy to walk
Speaker 2: up and open the front door and then open the
Speaker 2: screen door and then shoot the dog because the dog
Speaker 2: came running at him, then this sounds weird to me.
Speaker 2: And what is the life being served with from an
Speaker 2: ATF agent? I don't understand any of it. Do you
Speaker 2: think this will hit the news at all? I mean,
Speaker 2: come on, people, I would think you got to find
Speaker 2: out Chopper did you could Chopper call up there now
Speaker 2: during the show and just tell we got this bizarre call. Yeah,
Speaker 2: tell them we got this bizarre call saying that an
Speaker 2: ATF agent shot a dog after opening the front door.
Speaker 2: What was that agent doing opening a door? I didn't
Speaker 2: think they're supposed to do that. I mean, it wasn't
Speaker 2: a raid or anything. It wasn't like you had a
Speaker 2: warrant for a search. Okay, we have some questions for
Speaker 2: Dan Dan McKenzie McKenzie law. We're talking about estate planning
Speaker 2: part of the show today. Somebody has a trust and
Speaker 2: they want to know if they have a trust and
Speaker 2: they move stuff into the trust, do they lose the
Speaker 2: tax benefit if it's a depreciating that asset. So in
Speaker 2: other words, they have a business. Let's say and the
Speaker 2: business owns equipment, and that equipment is put into the trust,
Speaker 2: or do you put the whole business in the trust?
Speaker 2: What's the proper way of doing that?
Speaker 14: And I would the equipment would be titled and the
Speaker 14: business could be put in the trust.
Speaker 2: Okay, So if the business is put in the trust,
Speaker 2: everything the business owns is in that trust. Yeah, So
Speaker 2: that's the easiest way to do it. So you don't
Speaker 2: take individual things and pluck them out from different entities
Speaker 2: and put them in a trust by themselves.
Speaker 15: I mean, you would want to be really careful about that.
Speaker 14: If there's equipment that sort of signals to me that
Speaker 14: you've got some liability around that. I mean, are we
Speaker 14: talking about like construction equipment, like like have that in
Speaker 14: the business to get that protection.
Speaker 2: Let's say a guy has a dirt moving business. Okay,
Speaker 2: Let's say is a back ho. That back ho is
Speaker 2: worth a lot of money and it's paid for. Would
Speaker 2: he put the whole back hole business in there or
Speaker 2: just the back hole itself?
Speaker 14: I mean, I try you want to be pretty comprehensive.
Speaker 14: If we're talking about a vocal trust, let's put that
Speaker 14: up front, right the vote. You're a vocal trust, it's
Speaker 14: got tax consequences that are more complicated, but let's assume
Speaker 14: it's a a vocal trust. Yeah, you want to put
Speaker 14: as much in there as you possibly can, but you
Speaker 14: want to keep business related assets under that business shield.
Speaker 2: Okay, got it, And so use of the products you
Speaker 2: can still use them. Like what like if you have
Speaker 2: artwork in your home and personal items not in a business,
Speaker 2: can you put personal items in a trust?
Speaker 14: Yeah, we just do a really simple assignment of personal
Speaker 14: property to or a trust, just saying I am assigning
Speaker 14: it all. I mean, there is not titling documents for like, and.
Speaker 2: What's what would be the benefit of putting personal property
Speaker 2: in a trust? It's just yeah.
Speaker 14: As I mentioned earlier that the thing that triggers probate
Speaker 14: is if you pass away and have eighty six thousand
Speaker 14: dollars worth of anything, and so.
Speaker 2: So if it's in a trust, it's not you.
Speaker 5: It's not you.
Speaker 14: And so assigning your personal property the trust takes all
Speaker 14: that out.
Speaker 2: Of that eighty six thousand dollars equation. So you can
Speaker 2: literally bypass probate. By having everything in trust.
Speaker 14: You get to give up to eighty six thousand bucks
Speaker 14: away without probate. If it's more than that, you've got
Speaker 14: to figure out some other way to do it, and
Speaker 14: a trust is a pretty elegant way to do that.
Speaker 2: Okay, And what are some of the reasons we always
Speaker 2: hear people talk about avoiding probate? Why is there such
Speaker 2: a fear of probate? When you hear, oh, no, you
Speaker 2: got to avoid probate, or I want to avoid probate,
Speaker 2: or they come to you, they may not even know
Speaker 2: why they're saying it and they say, Dan, we don't
Speaker 2: want to face probate. What Probate's not that complicated, is it?
Speaker 14: Honestly, Yeah, that concern can be a little bit out
Speaker 14: of date. It used to be a really intense process
Speaker 14: that required a lot of court appearances and stuff like that.
Speaker 15: Really usually does not anymore.
Speaker 14: So I don't automatically tell everyone to avoid probate. There
Speaker 14: are circumstances where, yeah, you probably still don't want to
Speaker 14: do it, but it's the court case.
Speaker 15: You know, it's public. There's some reasons not to want
Speaker 15: to do.
Speaker 2: It, Okay, Because when you open a probate, you're saying,
Speaker 2: this is Tom Martine's estate, and here's what we're doing
Speaker 2: with the stuff, and anyone can see it.
Speaker 14: I mean, I don't know if anyone can see it,
Speaker 14: but a lot of people can see it because anybody
Speaker 14: involved in the estate, any heirs, anybody, any beneficiary is
Speaker 14: it kind of access to the whole thing, and any
Speaker 14: creditors too, So it's just a little bit more out there.
Speaker 14: People probably can get into it as well who are
Speaker 14: not interested, but it's a little bit harder for them.
Speaker 2: Can someone claim to be a creditor just to get
Speaker 2: a look.
Speaker 14: Anybody can file a creditor claim and then it has
Speaker 14: to be dealt with, So that would be an interesting strategy.
Speaker 14: I haven't really seen people do that, but I'd have
Speaker 14: to think through that a little bit.
Speaker 2: It's possible, okay, But mainly probate is to disperse property.
Speaker 2: Is that the actual reason for probate.
Speaker 14: Yeah, get out there, account for the property, figure out
Speaker 14: what you got to make sure the bills are paid,
Speaker 14: the taxes are filed, and the right people get what
Speaker 14: they're entitled to receive.
Speaker 2: And if you have a trust where everything moves through
Speaker 2: without going to probate is prob Is there ever a
Speaker 2: death and a settlement of an estate without ever doing
Speaker 2: a probate?
Speaker 1: Oh?
Speaker 2: All the time really, without ever seeing probate court.
Speaker 1: Yep.
Speaker 2: And that's done through trusts. Uh.
Speaker 14: There's a few different ways to do it. One is
Speaker 14: the jointly title stuff. So as you say.
Speaker 2: Okay, so then it automatically goes to the other person.
Speaker 14: Designate a beneficiaries skip probate. Yeah, if you've got beneficiaries
Speaker 14: on your retirement accounts or life insurance. But you can
Speaker 14: put those on your house, your cars, your bank accounts,
Speaker 14: all kinds of stuff.
Speaker 2: Can you file beneficiaries on everything? Basically, Like, even if
Speaker 2: it's not set up for a beneficiary, can you say
Speaker 2: the beneficiary of this account is so and so.
Speaker 14: That is up to the institution where the account is located.
Speaker 14: But I would say yes, pretty much. Anything that is
Speaker 14: a title, there's probably a way to beneficial do a
Speaker 14: beneficiary in it.
Speaker 2: And beneficiary is an automatic transfer to death correct, So
Speaker 2: bank accounts could be automatically transferred at death, yes, And
Speaker 2: car titles can they be automatically transferred? Really?
Speaker 1: Is that?
Speaker 2: What is that? Like a beneficiary title?
Speaker 1: Yeah?
Speaker 14: If you if you google Colorado DMV beneficiary you will
Speaker 14: see their form.
Speaker 15: It's real simple.
Speaker 14: They want to know that make the model, the ben
Speaker 14: and who's getting it if you pass away?
Speaker 2: Really, I didn't know. So there's like a there's like
Speaker 2: a beneficiary title for cars. Wow, did you know that, Mark?
Speaker 2: I didn't know that that you can actually do that
Speaker 2: with a car three or three five? Yeah? Okay, Abraham
Speaker 2: is back and uh you know he's the one that
Speaker 2: had his dog shot. Abraham. Are they still at your
Speaker 2: house investigating?
Speaker 3: Yes, yes, everybody's here. Still just talking to the loafia cops.
Speaker 2: Now what did they say?
Speaker 3: They're just saying they're sorry, they know my feeling. They're sorry,
Speaker 3: and that they're they're keeping it pretty much hush hush
Speaker 3: because they they're not gonna, like I said, they're not
Speaker 3: going to go against his him. They're not going to
Speaker 3: go against him.
Speaker 1: They know he's in the wrong.
Speaker 2: Where is the guy right? Where is the eight? What
Speaker 2: is the ATF guys named?
Speaker 15: You know.
Speaker 2: What?
Speaker 18: They killing me?
Speaker 1: Sir? What's his name?
Speaker 3: A TF I you ask me for these?
Speaker 13: Please?
Speaker 9: Super Hey, supervisor, what's his name?
Speaker 1: But what perse I need it for myself?
Speaker 9: I'll get it to you.
Speaker 13: But I'm not going to do a fire on.
Speaker 1: A cold.
Speaker 2: You know what, these guys are being.
Speaker 3: Right, they're being real church exactly.
Speaker 1: I have the right for their name.
Speaker 3: That's wrong, it's wrong, bro, Just yeah, name a simple name. Brother.
Speaker 2: Don't get yourself, hey, Abraham, don't get you yourself crossways
Speaker 2: with him? Are you gonna say?
Speaker 19: I have a supervisor from Lafayette going to be giving
Speaker 19: me a call.
Speaker 2: Probably the guy he's talking to.
Speaker 1: There you go.
Speaker 3: You see how the tree to me?
Speaker 2: All right, hold on, we'll take it. We'll take a
Speaker 2: quick break, hang on, and then we have some updates
Speaker 2: right after this. I'm Tom Martinez three oh three seven
Speaker 2: one three two five. I want to talk to Troy,
Speaker 2: who has a comment on this situation unfolding live on
Speaker 2: the air with an ATF agent. Walked through a locked gate,
Speaker 2: went up on a porch, opened a screen door, and
Speaker 2: then a front door. The dog came lunging and he
Speaker 2: shot the dog four times. Again. We're hearing this only
Speaker 2: from one perspective, the homeowner. We don't know if it's
Speaker 2: absolutely as it happened, But Troy, what is your comment?
Speaker 13: Hey?
Speaker 9: Tom, The most likely reason at F agent would come
Speaker 9: to your house would be if they're investigating a gun
Speaker 9: that was used in a crime. The way it works
Speaker 9: is the ATF will go to the manufacturer with the
Speaker 9: serial number. Then the manufacturer will tell the ATF which
Speaker 9: distributor that I was sent to. Then they go to
Speaker 9: the distributor.
Speaker 1: Distriver says which dealer.
Speaker 20: Then the dealer looks in his A and D book
Speaker 20: and will tell the ATF who they sold that gun to.
Speaker 2: So, yeah, because he did mention, he did mention that
Speaker 2: his one of his wife's guns were stolen.
Speaker 9: Yep, yep, yeah that makes sense.
Speaker 20: And uh yeah, the ATF agent does have the right
Speaker 20: to defend themselves. Yeah, I gets the animal, I didn't
Speaker 20: diet buy big dogs and that that is no fun
Speaker 20: at all.
Speaker 2: Do you have a troy. I'm not saying I'm not
Speaker 2: saying he doesn't have a right to defend himself, but
Speaker 2: what the hell is he doing walking up on the
Speaker 2: portion opening the door.
Speaker 9: Well, so you know, to open the screen door and
Speaker 9: knock on the door.
Speaker 1: Is one thing.
Speaker 9: And if the if the main door was not latch closed,
Speaker 9: and you know he pushed.
Speaker 20: It open and yell hello and then the dog comes
Speaker 20: at him.
Speaker 9: Well, you know what's he supposed to do.
Speaker 2: Well, He's not supposed to open the door and yell hello.
Speaker 2: That would be my guess.
Speaker 9: If it's not fully closed and latched and he goes
Speaker 9: to knock on the door and then pushes it open.
Speaker 9: I mean, that's a good question for Chopper. You know,
Speaker 9: when they come to a door that's not clearly closed.
Speaker 9: You know, is it protocol to you know, push it
Speaker 9: open and yell hello, or you know, because he's just
Speaker 9: doing an investment, Jason, he's out there to arrest anybody.
Speaker 2: It's hard to say, man, I you know, without being there,
Speaker 2: without knowing, and I I mean, I know what you're saying.
Speaker 2: When a dog's running at you, what do you do
Speaker 2: and you have a gun on you? I don't know.
Speaker 2: I mean I've never been in that position, so I
Speaker 2: can't say I don't know. I do know though, that
Speaker 2: this is not the first time dogs have been shot,
Speaker 2: and it happens a lot with law enforcement. They will
Speaker 2: take no crap from a dog. None. If they're on
Speaker 2: a property or investigating or doing anything or and a
Speaker 2: dog threatens them, they'll shoot that dog without even thinking
Speaker 2: about it. So who knows, I mean, without being there, Richard,
Speaker 2: you have a question. Go ahead, Richard. What's going on?
Speaker 9: Yes, good happening, Tom.
Speaker 13: I enjoyed it, Joe, and I also had been on.
Speaker 18: Your referral list dot com and I also checked your
Speaker 18: transcripts of some of the important articles. I'm in need
Speaker 18: of a right service and I don't see anything on
Speaker 18: referral dot com about you recommended a right service.
Speaker 1: I like to have.
Speaker 2: Well, we when you say a ride service, what do
Speaker 2: you mean a ride service?
Speaker 18: Oh, I just need a trasification from where I live
Speaker 18: to about five a little more than five miles from
Speaker 18: where I live.
Speaker 2: Well, what about just plain old Uber or Lyft?
Speaker 18: That's where I'm I'm gonna ask you, Uh, is it
Speaker 18: safe to use Lyft or Uber?
Speaker 1: I mean, can you give us?
Speaker 18: Can you give all of us.
Speaker 1: Some helpful hands about what to do? Okay, that's more.
Speaker 2: Here's what I'm Here's what I'm going to tell you.
Speaker 2: Ride services are mostly safe, and I like them. I
Speaker 2: don't like Uber because every single time I've used Uber,
Speaker 2: my card has been hacked. I like Lyft, I do
Speaker 2: not use Uber now. Listen, that was my experience. I
Speaker 2: have used Uber every single time. My card will be
Speaker 2: you the next day. Every single time. That's never happened
Speaker 2: to me with Lyft ever, so I use Lyft.
Speaker 18: Okay, so you do recommend Lyft.
Speaker 2: That's why I recommend. I'm I mean mark. When you
Speaker 2: guys travel, do you use any ride shares? I use
Speaker 2: both of them.
Speaker 7: I just I've never had any issue with my credit
Speaker 7: card with either. But I differ. I do not like Lift.
Speaker 7: I use only if they're quite a bit cheaper. They
Speaker 7: seem to cancel more. They just seem to have more issues.
Speaker 7: The cars are a little more nasty.
Speaker 2: Okay, Okay, Now you use them far more than I do,
Speaker 2: so that's possible. Like I said, I found good luck
Speaker 2: with Lyft, But you know either one of them, truly, Richard,
Speaker 2: They're they're they're pretty reliable services. I mean, every now
Speaker 2: and then we hear about crazy stuff going on, but
Speaker 2: for the most part, I like them. I like ride services,
Speaker 2: and of course you still have good old Taxis, although
Speaker 2: I don't know how Taxis are making it these days.
Speaker 2: I'm honest to god, I don't know how they make it.
Speaker 2: Because you can schedule Lift, you can schedule Uber, you
Speaker 2: can have them there like clockwork, and I don't know
Speaker 2: any do you know anyone that uses taxis still. I
Speaker 2: guess their benefit of a taxi is if they're down
Speaker 2: street and you're there, you can hail a cab. You
Speaker 2: can't hail a lift or uber. I mean that's probably
Speaker 2: see them. They're all over the airport, so still lined up.
Speaker 2: They still do really well. It is taxis. Yeah, Wow,
Speaker 2: who got more coming? Right up? Hi, Tom Martino? Here,
Speaker 2: let's go to BO. Who has a follow up?
Speaker 1: Bo?
Speaker 2: This eighty one year old woman. This eighty one year
Speaker 2: old woman, she had a leak in her apartment. They
Speaker 2: moved her into another apartment. She said she developed the
Speaker 2: roof leak in that apartment and the management is doing
Speaker 2: nothing to help her. It sounds like this woman is
Speaker 2: having constant problems. What have you found out?
Speaker 13: Yeah, Cheryl called in for a friend Peggy that lives
Speaker 13: at the Highline Loft department at four fifty six Ironton. Yeah,
Speaker 13: she had flooding from the apartment above her. She had
Speaker 13: watering or light finistures. So I kept calling Sandra Martinez,
Speaker 13: the local manager for RPM Living. She kept hanging up
Speaker 13: on me, had no comment. So we eventually got a
Speaker 13: hold of the general manager in Austin, Texas, his name.
Speaker 18: Is Cody Coppel.
Speaker 13: He would not talk to me, but because of our
Speaker 13: relentless phone calls, they did get a hold of the
Speaker 13: tenant and they're in the process of relocating her into
Speaker 13: a better apartment. So that's my way.
Speaker 2: So this will be the second time. This will be
Speaker 2: the second time she's relow.
Speaker 13: Yes, So I'm just going to follow up and make
Speaker 13: sure this this second apartment is going to be dry
Speaker 13: and clean for her. But they are stepping up and
Speaker 13: helping her out.
Speaker 2: Why did they say they wouldn't talk to.
Speaker 13: You, because I said, as with the Tom Martino Show,
Speaker 13: they don't like us.
Speaker 2: Yeah, but I wonder why we were just trying to help, right.
Speaker 13: I said, they would just say no comment and hang
Speaker 13: up after three times, and then I was able to
Speaker 13: get a hold of the manager. Now he the regional manager.
Speaker 9: He would not.
Speaker 13: Call me back either, but he did get our message.
Speaker 13: So I'm going to okay TGI next week. But they
Speaker 13: are moving along with finding her a second apartment.
Speaker 2: Well you deserve my dinger, that's for sure. That's a
Speaker 2: good I haven't used that dinger in a few days.
Speaker 2: But here we go. Yes, thank you, And you know,
Speaker 2: for all those people that won't speak to us. I
Speaker 2: don't understand why they won't talk to us. Now, Deputy Chopper,
Speaker 2: you say you have a follow up. What's going on? Chopper?
Speaker 2: This one's real quick.
Speaker 19: Just Jenny worked at Carl's Junior for about two weeks.
Speaker 19: She was old four hundred and sixty six dollars. She
Speaker 19: couldn't get paid. I reached out to tell her how
Speaker 19: to get paid. She did get paid this last Friday,
Speaker 19: so she got her four hundred and sixty six dollars.
Speaker 2: Good, good, good, And I want to remind you Dan
Speaker 2: McKenzie when he's not here, he's at Coplans dot c.
Speaker 2: You can reach him there A three three two six
Speaker 2: seven fifty two sixty seven. That's mackenzie law. I'm Tom Martino,
Speaker 2: Tino around the clock to get help three oh three Martino.
Speaker 5: Follow Tom Martino at Real Tom Martino.
Speaker 2: And stay connected with all of that at six thirty
Speaker 2: k kyhow dot com and.
Speaker 5: On the iHeartRadio app. This is Denver's talk station, six
Speaker 5: thirty k howse