WEBVTT 1 00:00:00.480 --> 00:00:06.000 Y'all ripped up. 2 00:00:07.480 --> 00:00:09.640 News, need advice? 3 00:00:09.679 --> 00:00:10.439 Who you don't have? 4 00:00:13.160 --> 00:00:17.399 Run in just as fast as we can. Shooter's gonna 5 00:00:17.480 --> 00:00:19.640 help coming man. 6 00:00:19.879 --> 00:00:22.079 This is the Troubleshooter Show. 7 00:00:22.679 --> 00:00:27.839 No Tom Martino, Hello Tom Martino. Here, let's get the 8 00:00:27.960 --> 00:00:29.760 show on the road. We got a lot to talk 9 00:00:29.800 --> 00:00:33.119 about today. Three oh three seven one three talk. Is 10 00:00:33.159 --> 00:00:36.560 that studio line We use that when we're on the 11 00:00:36.600 --> 00:00:38.200 air three oh three. 12 00:00:38.119 --> 00:00:40.479 Seven one three talk seven one three eight two five five. 13 00:00:40.719 --> 00:00:42.840 But the more important number for those streaming you can 14 00:00:42.840 --> 00:00:45.600 see it on the screen, or if you're streaming later, 15 00:00:46.240 --> 00:00:48.240 you can get that three oh three Martino. It's very 16 00:00:48.240 --> 00:00:50.679 easy to remember. Three oh three six two seven eight 17 00:00:50.719 --> 00:00:53.600 four sixty six. The benefit of that line is we 18 00:00:54.640 --> 00:00:56.280 listen to each and every call, and if you leave 19 00:00:56.280 --> 00:00:58.719 a number, we'll get back to you and we'll get 20 00:00:58.759 --> 00:01:00.520 you on the show, so you don't even have to wait. 21 00:01:00.880 --> 00:01:02.799 So that's the guaranteed spot on the show. Three oh 22 00:01:02.840 --> 00:01:06.120 three Martino, three oh three six two seven eight four 23 00:01:06.200 --> 00:01:08.280 sixty six. I'll bring in the studio right now. 24 00:01:08.760 --> 00:01:09.239 I have. 25 00:01:11.319 --> 00:01:13.799 Major Mark Major at the helm there, and then we 26 00:01:13.840 --> 00:01:17.000 have a deputy doc screen left if you're watching, and 27 00:01:17.040 --> 00:01:20.959 then we have Joseph Keano, certified financial planner, here to 28 00:01:21.000 --> 00:01:25.120 talk about his upcoming movie event, which is really an 29 00:01:25.280 --> 00:01:30.439 educational event about retirement and again, whatever you want. 30 00:01:30.239 --> 00:01:31.599 To talk about talk about. 31 00:01:31.840 --> 00:01:34.640 But we will be getting text messages as always and 32 00:01:34.760 --> 00:01:37.760 emails and talk about anything near and dear to your 33 00:01:37.760 --> 00:01:43.280 heart in pocketbook. Now, Walt had called earlier when I 34 00:01:43.439 --> 00:01:46.959 was doing the show, and he talked about a road 35 00:01:47.799 --> 00:01:50.159 and he said he inherited the road. And the way 36 00:01:50.159 --> 00:01:50.879 the call went. 37 00:01:50.879 --> 00:01:51.359 Was like this. 38 00:01:52.120 --> 00:01:56.280 He said that in nineteen sixty the HOA was formed 39 00:01:57.120 --> 00:02:03.519 and every property has an easement. Now he I had 40 00:02:03.519 --> 00:02:05.680 notes on this, but I guess there's somebody who wrote 41 00:02:05.760 --> 00:02:09.000 him there. But in essence, he said he inherited the road. 42 00:02:09.199 --> 00:02:11.080 Now I believe this is the guy I talked to. This, 43 00:02:11.240 --> 00:02:12.919 I don't someone else, actually, I don't think. 44 00:02:12.960 --> 00:02:17.439 So this is from yesterday, Tom Okay, So this so okay, 45 00:02:17.520 --> 00:02:18.360 So I'm mistaken. 46 00:02:18.560 --> 00:02:22.360 We have you might not in nineteen sixty as well. 47 00:02:22.479 --> 00:02:26.520 So no, it really let's talk to him. Just let's 48 00:02:26.520 --> 00:02:27.039 talk to Walt. 49 00:02:27.120 --> 00:02:34.800 Hey, Walt, Yes, let's just let's just summarize this really simply. Yeah, 50 00:02:34.840 --> 00:02:38.599 you have a are you in the subdivision that the hoa, 51 00:02:38.759 --> 00:02:40.560 we're talking about are you in that subdivision? 52 00:02:41.879 --> 00:02:44.439 I am okay? 53 00:02:44.520 --> 00:02:46.960 And when did you buy your lot? 54 00:02:47.719 --> 00:02:50.599 Nineteen sixty that's when. 55 00:02:50.479 --> 00:02:51.439 You bought your lot. 56 00:02:52.840 --> 00:02:58.599 Correct, Okay, you bought your lot in nineteen sixty and 57 00:02:58.680 --> 00:02:59.960 it was part of a subdivision. 58 00:03:00.080 --> 00:03:04.080 It correct, what subdivision? 59 00:03:05.639 --> 00:03:07.400 We're in the Woodman Valley. 60 00:03:08.879 --> 00:03:12.159 And you say the county, but Camp Colira, So what 61 00:03:12.199 --> 00:03:12.840 county is it? 62 00:03:14.080 --> 00:03:15.039 I'll passle. 63 00:03:16.439 --> 00:03:20.719 Okay, so it's Woodman Valley subdivision and I'll PASSO County. 64 00:03:21.319 --> 00:03:23.560 And you say that you bought the lot. 65 00:03:23.719 --> 00:03:26.879 And then what happened? You said every property had an easement? 66 00:03:27.039 --> 00:03:28.280 Is that for a common road? 67 00:03:29.759 --> 00:03:33.840 Correct, there's a road that goes through the subdivision and 68 00:03:33.919 --> 00:03:39.000 branches off and goes to every house. Okay. 69 00:03:39.240 --> 00:03:41.960 And so that's how So in other words, that's how 70 00:03:42.000 --> 00:03:42.919 they made up the road. 71 00:03:42.960 --> 00:03:44.680 They took an easement from each lot. 72 00:03:46.080 --> 00:03:51.639 Correct, Okay, and tell me then tell your story from 73 00:03:51.680 --> 00:03:53.719 there then, so you all have an easement. 74 00:03:55.319 --> 00:03:59.360 Yes, And then then about a year ago, two years ago, 75 00:04:00.120 --> 00:04:04.199 there was the guy that started the subdivision. In his will, 76 00:04:04.560 --> 00:04:09.400 he needed a small section of that part of the property, 77 00:04:09.439 --> 00:04:13.400 about a half mile of the easement of the two 78 00:04:13.439 --> 00:04:16.800 miles of road. He dated it to us, and we're 79 00:04:16.839 --> 00:04:19.000 now the owners of. 80 00:04:18.959 --> 00:04:22.120 A half Let me ask you this. Let me ask 81 00:04:22.160 --> 00:04:22.360 you this. 82 00:04:22.480 --> 00:04:27.439 So the road takes up a number of easements, correct, 83 00:04:27.439 --> 00:04:30.800 And he took a and then he arbitrarily took a 84 00:04:30.839 --> 00:04:32.720 couple and needed them to you. 85 00:04:33.040 --> 00:04:34.319 What was the purpose of that? 86 00:04:36.199 --> 00:04:40.319 Because he no longer lived in the development and he 87 00:04:40.480 --> 00:04:43.160 was the last house on the road, so he had 88 00:04:43.199 --> 00:04:46.199 the half mile part of it that went there, but 89 00:04:46.319 --> 00:04:49.720 he kept that small little section going to his house 90 00:04:50.639 --> 00:04:53.439 so that nobody could ever make a mistake with him 91 00:04:54.000 --> 00:04:56.120 and try and stop him from getting to his house. 92 00:04:57.920 --> 00:05:01.079 So he needed it to you. 93 00:05:01.600 --> 00:05:02.480 But why are you? 94 00:05:02.920 --> 00:05:05.639 But why why didn't he need it for example, to 95 00:05:05.680 --> 00:05:06.439 the HOA. 96 00:05:06.480 --> 00:05:10.279 Why did he pick you to deed his easement? That's 97 00:05:10.319 --> 00:05:12.720 what he did. He needed his easement to you. 98 00:05:14.160 --> 00:05:17.519 He deeded it to the association, the people that take 99 00:05:17.519 --> 00:05:20.480 care of the road, so we're a non okay organization. 100 00:05:20.759 --> 00:05:22.759 He needed it to us because we take care of 101 00:05:22.800 --> 00:05:23.160 the road. 102 00:05:23.399 --> 00:05:24.759 Got it now, I know? 103 00:05:25.079 --> 00:05:29.000 So, so the developer deeded his easement. But here's what 104 00:05:29.040 --> 00:05:32.399 I want to know. Normally those easements are already part 105 00:05:32.439 --> 00:05:36.160 of it. So are these easements written out so they're 106 00:05:36.480 --> 00:05:38.399 each homeowner still owns them. 107 00:05:40.000 --> 00:05:40.399 Correct. 108 00:05:42.160 --> 00:05:42.560 And then. 109 00:05:43.920 --> 00:05:47.759 And he wanted to deed his to the HOA. Why 110 00:05:47.800 --> 00:05:50.079 that's the part I don't understand. He could have kept 111 00:05:50.120 --> 00:05:52.519 it the way it was, and the person who bought 112 00:05:52.519 --> 00:05:56.000 that property they would have had to they would have 113 00:05:56.000 --> 00:05:58.800 had to honor the easement. Anyway, I don't understand the 114 00:05:58.839 --> 00:06:05.680 reason he deeded it to the SOA. 115 00:06:03.959 --> 00:06:06.800 Because he was the ownership of it and he paid 116 00:06:06.800 --> 00:06:10.920 the taxes. So by dating it to the association, a nonprofit, 117 00:06:11.839 --> 00:06:14.639 he got rid of it and doesn't have to pay. 118 00:06:14.560 --> 00:06:17.920 Tax okay on it, and he's still going to live there. 119 00:06:19.199 --> 00:06:22.040 No, he passed away and willed it to us and 120 00:06:22.079 --> 00:06:23.040 beated it to us. 121 00:06:24.120 --> 00:06:26.560 But what about his lot where the house was? Was 122 00:06:26.600 --> 00:06:28.360 there a house on it? Did he live there? 123 00:06:29.519 --> 00:06:29.759 Yes? 124 00:06:29.800 --> 00:06:30.480 He did? 125 00:06:31.759 --> 00:06:33.160 And what happened to that house? 126 00:06:34.639 --> 00:06:37.720 It's still there, another owner has it. And because it 127 00:06:37.920 --> 00:06:41.680 was sold. That's when the real estate agent told us 128 00:06:41.959 --> 00:06:46.800 that we owned this half mile section of property which 129 00:06:46.839 --> 00:06:50.279 is maybe an acre just over. And now we're ok, 130 00:06:50.759 --> 00:06:51.600 so why. 131 00:06:51.439 --> 00:06:54.000 Is this causing a problem. Let me ask you this. 132 00:06:54.279 --> 00:06:58.160 Right now, we have a subdivision. The subdivision owns, the 133 00:06:58.199 --> 00:07:01.399 subdivision runs a number of to keep the road going, 134 00:07:01.800 --> 00:07:04.519 and part of that is a half mile of easement 135 00:07:05.120 --> 00:07:07.279 from the that was needed from the developer. 136 00:07:07.600 --> 00:07:09.480 So where do we get into a problem. 137 00:07:11.279 --> 00:07:14.920 We have because we're responsible for the road. If any 138 00:07:15.120 --> 00:07:18.399 accident or a person gets hurt on it or anything, 139 00:07:18.959 --> 00:07:22.600 it comes back to the association. So now we're at. 140 00:07:22.600 --> 00:07:24.839 Well, that's how it is ending. That's how it is 141 00:07:24.839 --> 00:07:26.199 with every private road. 142 00:07:26.800 --> 00:07:31.160 That's how it is with every private road in every subdivision. 143 00:07:31.519 --> 00:07:33.839 So where's the problem. 144 00:07:34.199 --> 00:07:38.160 Well, we're paying four thousand dollars a year liability insurance 145 00:07:38.439 --> 00:07:42.360 in case something goes wrong, because the agents that were 146 00:07:42.399 --> 00:07:46.399 selling the houses said, we're liable for everything that's going there. 147 00:07:46.480 --> 00:07:49.600 So we take policy to try and protect every board member. 148 00:07:51.120 --> 00:07:51.639 Jamie. 149 00:07:52.399 --> 00:07:56.759 If the easements make up a road a private road, 150 00:07:57.360 --> 00:07:59.959 First of all, that was done asked backwards. I've done 151 00:08:00.079 --> 00:08:03.240 fourteen subdivisions, and here's what you do when you want 152 00:08:03.279 --> 00:08:03.720 to have. 153 00:08:04.120 --> 00:08:07.360 When you want to have a road, you take the 154 00:08:07.439 --> 00:08:08.759 property and you. 155 00:08:08.680 --> 00:08:12.920 Make it a common easement that everyone owns that whole thing. 156 00:08:13.199 --> 00:08:15.560 It's not each one owns a part of it. Okay, 157 00:08:15.639 --> 00:08:18.439 So that was done wrong the first time. So now 158 00:08:18.480 --> 00:08:22.680 you have if you do a search on the road 159 00:08:23.040 --> 00:08:26.560 you find probably how many different deeds, how many different easements? 160 00:08:26.600 --> 00:08:29.000 I mean about fourteen of them? How many how many 161 00:08:29.000 --> 00:08:29.879 people on this road? 162 00:08:31.759 --> 00:08:34.080 About fourteen or fifteen? 163 00:08:35.360 --> 00:08:38.759 Okay, so you have fourteen or fifteen easements that make 164 00:08:38.879 --> 00:08:43.120 up the subdivision main road. Some of those easements or 165 00:08:43.159 --> 00:08:46.039 one of them, is the half mile deeded by the developer. 166 00:08:46.759 --> 00:08:50.159 You guys, correct have a private road and you're all 167 00:08:50.240 --> 00:08:54.679 responsible for it. True, you are. So what I don't 168 00:08:54.759 --> 00:08:59.960 understand is what do you want. 169 00:09:00.080 --> 00:09:02.000 Want to get rid of this piece of property so 170 00:09:02.039 --> 00:09:05.360 that we don't that we're not liable for anything and 171 00:09:05.440 --> 00:09:06.200 the county will not. 172 00:09:06.279 --> 00:09:08.679 Well, it's never going to it's never going to happen. 173 00:09:09.600 --> 00:09:13.159 If you want to dedicate your road to the county, 174 00:09:13.320 --> 00:09:15.519 that is a very long and involved process. 175 00:09:15.559 --> 00:09:16.559 I've also done that. 176 00:09:17.399 --> 00:09:20.679 You have to bring it up to county standards and 177 00:09:20.759 --> 00:09:23.480 you have to have a dedication and they have to 178 00:09:23.559 --> 00:09:26.440 accept it. And if they don't want to, they don't 179 00:09:26.480 --> 00:09:29.799 have to. But if you're part of let's say, fourteen 180 00:09:29.879 --> 00:09:33.639 people in a subdivision, there's no way that you're going 181 00:09:33.679 --> 00:09:38.480 to escape liability for the road, not just your section, 182 00:09:38.919 --> 00:09:42.039 but for the whole road. Everyone in the hoa that 183 00:09:43.200 --> 00:09:47.279 took on the road to maintain is responsible for everything 184 00:09:47.320 --> 00:09:47.799 that goes on. 185 00:09:48.759 --> 00:09:53.440 But really and truly, the way you would. 186 00:09:53.279 --> 00:09:56.799 Do it is you would ensure your land and your house, 187 00:09:57.279 --> 00:10:00.639 and the other thirteen people would ensure their land their house. 188 00:10:01.159 --> 00:10:04.200 And since the easeman is part of your land and 189 00:10:04.240 --> 00:10:07.159 the other Eastman is part of their land, then if 190 00:10:07.159 --> 00:10:11.200 anything ever happened on that particular easement, that particular insurance 191 00:10:11.240 --> 00:10:15.720 company would fight it. So, you guys, in an effort 192 00:10:15.759 --> 00:10:18.559 to try to do this the right way, did everything wrong, 193 00:10:21.320 --> 00:10:21.879 I sugured. 194 00:10:21.960 --> 00:10:25.799 So, I mean, that's that's just the long and short 195 00:10:25.840 --> 00:10:26.080 of it. 196 00:10:26.919 --> 00:10:30.159 So in order to correct this, what you what you 197 00:10:30.200 --> 00:10:34.120 would do is have a homeowner's meeting where you all 198 00:10:34.159 --> 00:10:39.519 agree to deed the property to the entity Okay, h 199 00:10:39.600 --> 00:10:41.919 oo A LLC, whatever the name of it is, Woodman 200 00:10:42.000 --> 00:10:46.519 Valley LLC, Woodman Valley, HOA, You guys would all deed 201 00:10:46.559 --> 00:10:48.399 the property to that entity. 202 00:10:48.600 --> 00:10:49.000 Okay. 203 00:10:49.799 --> 00:10:54.159 Now that entity would then maintain and keep that road, 204 00:10:55.399 --> 00:11:00.440 but the liability would be limited to that entity. So 205 00:11:00.559 --> 00:11:03.759 if someone got hurt on any section of that road, 206 00:11:04.320 --> 00:11:09.360 since it's all now owned by Woodman Valley LLC, they 207 00:11:09.399 --> 00:11:13.600 would only they can only go after Woodman Valley LLC. 208 00:11:14.360 --> 00:11:17.159 They won't be able to go after Walt personally. 209 00:11:17.960 --> 00:11:20.679 That's the way to have this corrected. Now. 210 00:11:20.840 --> 00:11:25.799 Is Woodman Valley an incorporated HOA. 211 00:11:26.799 --> 00:11:30.679 No, we're just an association that takes care of the road. 212 00:11:31.919 --> 00:11:35.279 Okay, but you said a nonprofit. Who says your nonprofit? 213 00:11:37.200 --> 00:11:39.679 That's the way everything was set up as a nonprofit 214 00:11:39.720 --> 00:11:40.639 because nobody in. 215 00:11:40.639 --> 00:11:41.559 The you just said. 216 00:11:41.679 --> 00:11:44.600 You just said you're not incorporated. You just said you're 217 00:11:44.639 --> 00:11:47.200 not incorporated. Then you said it was set up as 218 00:11:47.240 --> 00:11:51.519 a nonprofit. Well, it's either one or the other. Are 219 00:11:51.559 --> 00:11:53.759 you set up as a legal entity? Can I look 220 00:11:53.799 --> 00:11:57.080 you up in the state? Can I find an LLC 221 00:11:57.879 --> 00:12:00.080 Woodman Valley or whatever you are? What's the name of 222 00:12:00.080 --> 00:12:01.679 your HOA organization? 223 00:12:03.120 --> 00:12:05.240 Woodman Valley Improvement Association. 224 00:12:06.759 --> 00:12:08.799 If I look that up, is it an LLC with 225 00:12:08.879 --> 00:12:09.600 a state. 226 00:12:12.240 --> 00:12:13.120 As a nonprofit? 227 00:12:13.279 --> 00:12:17.759 Yes, well, then you are an incorporation. Why did you 228 00:12:17.799 --> 00:12:18.440 say you're not. 229 00:12:19.840 --> 00:12:20.639 Because I didn't know. 230 00:12:22.279 --> 00:12:26.720 Well, you went to the state and formed illegal Well 231 00:12:26.759 --> 00:12:29.639 who is in charge there? I'm assuming it's not you? 232 00:12:29.879 --> 00:12:31.320 Who's in charge of this whole thing? 233 00:12:32.679 --> 00:12:35.639 We have four people that are board members that. 234 00:12:36.399 --> 00:12:40.360 Okay, do they want does everyone want to do does 235 00:12:40.399 --> 00:12:43.559 everyone want to do the same thing? Does everyone want 236 00:12:43.600 --> 00:12:45.240 to get out of personal liability? 237 00:12:46.600 --> 00:12:46.919 Yes? 238 00:12:48.600 --> 00:12:50.879 Okay, Then to do what I say. 239 00:12:51.799 --> 00:12:54.679 All right, you got to get you got to form 240 00:12:54.879 --> 00:12:57.679 this entity or make sure it's formed properly. And if 241 00:12:57.679 --> 00:13:00.440 it's formed properly, now all of you have to deed 242 00:13:00.480 --> 00:13:03.440 your property, your easements. 243 00:13:03.080 --> 00:13:04.080 To this entity. 244 00:13:04.759 --> 00:13:08.919 This entity has to be written up as the sole 245 00:13:09.519 --> 00:13:14.519 responsible party for maintenance of this road. If someone gets 246 00:13:14.559 --> 00:13:19.840 into trouble in the future, if someone crashes or rolls 247 00:13:19.879 --> 00:13:23.799 over and says the road was not properly maintained, they 248 00:13:23.799 --> 00:13:28.720 can only go after Woodman Valley Improvement Association. They can't 249 00:13:28.759 --> 00:13:32.240 go after the individuals. That's the reason for a limited 250 00:13:32.279 --> 00:13:35.000 liability company. I have to take a break. If you 251 00:13:35.000 --> 00:13:37.159 have any other questions, you can ask them. But that's 252 00:13:37.279 --> 00:13:40.799 exactly what you're supposed to do. I'm Tom Martinez. Three 253 00:13:40.919 --> 00:13:42.559 h three seven to one three talk seven one three 254 00:13:42.600 --> 00:13:44.919 eight two five to five. New Home Innovations for the 255 00:13:44.919 --> 00:13:46.240 most beautiful showers you. 256 00:13:46.200 --> 00:13:48.159 Can find inside and out. 257 00:13:48.240 --> 00:13:51.519 They have these porcelain walls that are second to none. 258 00:13:51.639 --> 00:13:54.919 They are absolutely gorgeous porcelain. They can put the porcelain 259 00:13:54.960 --> 00:13:56.919 all through your bathroom. They can do it in the 260 00:13:56.960 --> 00:14:01.639 shower enclosure. 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You'll think you're his only customer 272 00:14:40.559 --> 00:14:42.799 when you choose Frank durand the real estate Man dot 273 00:14:42.840 --> 00:14:46.159 com to list your home with Remax Alliance three oh 274 00:14:46.200 --> 00:14:55.039 three nine two zero sixteen twenty two. Hi Tom Martino, 275 00:14:55.120 --> 00:14:57.799 your troubleshooter three oh three seven one three talks seven 276 00:14:57.799 --> 00:14:58.840 one three two five hive. 277 00:14:59.159 --> 00:15:00.320 I want to simplify this. 278 00:15:00.639 --> 00:15:03.759 As a developer of many, many years, fourteen subdivisions plus 279 00:15:03.799 --> 00:15:07.000 commercial developments, I can tell you what it works. When 280 00:15:07.039 --> 00:15:08.919 you have a subdivision. You can do a county road 281 00:15:08.960 --> 00:15:11.960 from the beginning, dedicate it to the county, get their permission, 282 00:15:12.000 --> 00:15:13.840 and build it according to them. They come out and 283 00:15:13.879 --> 00:15:14.399 expect it. 284 00:15:14.759 --> 00:15:15.360 At the end. 285 00:15:15.639 --> 00:15:19.120 You have a subdivision bordering a county road. Or you 286 00:15:19.120 --> 00:15:22.519 can do a private road where the HOA takes an 287 00:15:22.559 --> 00:15:26.879 access easement to each property. The HOA owns it, runs it, 288 00:15:26.960 --> 00:15:31.240 and maintains it. Then the most the worst way to 289 00:15:31.320 --> 00:15:34.720 do it in the world is to take individual easements 290 00:15:34.720 --> 00:15:39.559 from each lot and maintain a road with everyone individually responsible. 291 00:15:39.720 --> 00:15:42.519 It's ridiculous. To get out of that vault. It's a 292 00:15:42.639 --> 00:15:46.440 very simple process. You guys get together as NHOA, make 293 00:15:46.480 --> 00:15:49.279 sure it's a legal HOA and that you are incorporated 294 00:15:49.799 --> 00:15:50.559 as an LLC. 295 00:15:51.159 --> 00:15:55.559 And what you do is this. You all deed your. 296 00:15:55.440 --> 00:16:00.120 Easements to the count to the to the LLC, to 297 00:16:00.159 --> 00:16:04.879 the HOA with the express understanding that the HOA was 298 00:16:05.000 --> 00:16:08.279 formed to take care and maintain that road. 299 00:16:09.080 --> 00:16:10.639 That's it. That's it. 300 00:16:11.279 --> 00:16:13.679 Now you have an LLC and if you have to 301 00:16:13.720 --> 00:16:17.320 collect dues to keep that up, you all chip in dues, 302 00:16:17.639 --> 00:16:19.799 you vote dues, you do everything. 303 00:16:19.480 --> 00:16:21.200 You would normally do with any LLC. 304 00:16:21.759 --> 00:16:24.480 Now, let's say someone comes in and they roll their 305 00:16:24.519 --> 00:16:27.559 car and they say this road was not crowned properly, 306 00:16:27.960 --> 00:16:29.440 or this road is dangerous. 307 00:16:29.679 --> 00:16:32.440 I'm going to sue, So they start suing. 308 00:16:32.799 --> 00:16:35.440 The only people they can sue if you did this legally, 309 00:16:35.919 --> 00:16:38.799 are is the is the entity that owns it, the 310 00:16:39.120 --> 00:16:43.879 hoa LLC. They can't go out and get Walt personally. 311 00:16:44.200 --> 00:16:46.159 So if your people want to know how to do it, 312 00:16:46.320 --> 00:16:47.679 they should talk to an attorney. 313 00:16:48.000 --> 00:16:51.080 I've done so many of these. It's easy. You need 314 00:16:51.159 --> 00:16:55.679 the easements to an LLC. The LLC has limited liability. 315 00:16:55.799 --> 00:16:57.240 Do you have any follow up question? 316 00:16:59.240 --> 00:17:01.399 So we don't have to worry about the road at 317 00:17:01.440 --> 00:17:03.200 all as far as what we own. 318 00:17:05.319 --> 00:17:05.680 Okay. 319 00:17:06.400 --> 00:17:12.400 If you need your easement to the LLLC, you no 320 00:17:12.480 --> 00:17:14.200 longer own it. 321 00:17:14.759 --> 00:17:19.319 The LLC owns it. Okay. 322 00:17:19.440 --> 00:17:22.000 Perfect. Thank you so much for clarifying everything. 323 00:17:22.160 --> 00:17:24.559 But get legal advice. What I'm giving you is not 324 00:17:24.680 --> 00:17:28.920 legal advice. It's life advice from I've done it. I've 325 00:17:28.960 --> 00:17:33.200 been there, and I've done it. It's not some BS advice. Okay, 326 00:17:33.519 --> 00:17:36.359 that's the way you do it. The HO is going 327 00:17:36.400 --> 00:17:37.160 to own that road. 328 00:17:38.480 --> 00:17:41.799 Is there an attorney that we want to go. Is 329 00:17:41.839 --> 00:17:44.400 there a person that actually we cannot. 330 00:17:45.880 --> 00:17:48.880 I don't know if Brad O'Brien might be. He's a 331 00:17:48.920 --> 00:17:51.920 real estate attorney, but I'm not sure. If he does 332 00:17:52.200 --> 00:17:58.880 subdivisions and formations of planned unit developments PUDs, I'm not sure, 333 00:17:58.960 --> 00:18:02.559 but I would start with O'Brien for sure. Brad O'Brien 334 00:18:02.640 --> 00:18:04.720 is the real estate attorney now. 335 00:18:05.319 --> 00:18:07.440 But what it's a very simple thing. 336 00:18:07.839 --> 00:18:14.359 You're looking for an entity to own the easements, own them, 337 00:18:14.880 --> 00:18:19.839 own them. You no longer own that property, it's owned. 338 00:18:19.559 --> 00:18:20.359 By the HOA. 339 00:18:20.920 --> 00:18:23.480 Then you guys come up with a due structure that works, 340 00:18:24.119 --> 00:18:27.240 and you come up with a leader or whatever, and 341 00:18:27.279 --> 00:18:30.079 you have elections on it. But just because you're part 342 00:18:30.119 --> 00:18:33.160 of an LLC doesn't mean they can sue you personally. 343 00:18:33.519 --> 00:18:38.359 They can't. Okay, so that's what you want. Thank you, wal. 344 00:18:38.519 --> 00:18:40.440 I hope everything goes well for you. Three oh three 345 00:18:40.480 --> 00:18:43.480 seven one three A two five five. We have a 346 00:18:43.480 --> 00:18:45.759 problem with Verizon. Go ahead, Robert, what is it? 347 00:18:48.519 --> 00:18:50.720 That's me two years ago? 348 00:18:50.759 --> 00:18:53.799 Yes, sir, in an idiot. He just landed at my doorstep. 349 00:18:54.680 --> 00:18:57.279 I didn't order a phone, so I okay. I took 350 00:18:57.319 --> 00:18:59.480 the phone called a Verizon what the heck's going on? 351 00:19:00.319 --> 00:19:02.400 Oh that shouldn't have went to you. That was supposed 352 00:19:02.400 --> 00:19:05.759 to be intercepted and kept by fed Ex. And I said, okay, 353 00:19:05.759 --> 00:19:08.119 what's going on. Oh there's Straweda in your account. Well 354 00:19:08.200 --> 00:19:12.039 nobody's notified me, so anyhow. 355 00:19:11.720 --> 00:19:14.240 Yeah, that's a scam. The whole the whole cell phone 356 00:19:14.240 --> 00:19:16.640 thing is a scam. So what happened? Then a cell 357 00:19:16.680 --> 00:19:20.200 phone showed up at your door, well without you ever 358 00:19:20.400 --> 00:19:20.960 ordering one. 359 00:19:21.880 --> 00:19:24.440 So I called Verizon and I said, hey, I'm doing 360 00:19:24.519 --> 00:19:26.400 upgrade anyhow, So it's. 361 00:19:26.200 --> 00:19:27.039 A better phone. 362 00:19:27.319 --> 00:19:29.680 Why don't we just take the mistake. I'll take the phone. 363 00:19:29.799 --> 00:19:32.119 I'll send this one back to you and let's call 364 00:19:32.200 --> 00:19:33.759 it a wash and whatever paints. 365 00:19:34.000 --> 00:19:36.400 But were you really dealing were you really dealing with 366 00:19:36.519 --> 00:19:37.640 Verizon at that point? 367 00:19:37.920 --> 00:19:42.000 I was dealing with Verizon most certainly was dealing with Okay. 368 00:19:43.039 --> 00:19:45.160 Well, okay, then I don't think it's a scam. 369 00:19:45.240 --> 00:19:47.839 So it showed up at your door by mistake, and 370 00:19:47.880 --> 00:19:50.599 you said I want to keep it anyway? 371 00:19:50.720 --> 00:19:53.720 Yeah, I was due my phone, was okay, do an upgrade? 372 00:19:54.200 --> 00:19:57.480 Spent two years? Yeah, of that time, so I got it. 373 00:19:57.559 --> 00:20:01.720 So then worked with Verizon to you know, get everything 374 00:20:01.759 --> 00:20:05.480 straightened out. And then maybe three days later, I got 375 00:20:05.519 --> 00:20:10.200 another phone coming to me. I was like, huh, and 376 00:20:10.240 --> 00:20:12.559 I got to notice from fed X that you got delivery. 377 00:20:12.680 --> 00:20:15.440 So I comes to my door the FedEx stribber. I said, 378 00:20:15.440 --> 00:20:16.799 it's not my phone, take it back. 379 00:20:17.000 --> 00:20:17.720 He says, how about it? 380 00:20:17.720 --> 00:20:20.680 Can I ask you this, Robert, Robert, can I ask 381 00:20:20.720 --> 00:20:22.920 you this? Yeah, when the first phone showed up and 382 00:20:22.960 --> 00:20:25.799 you decided to keep it, did you get it actually 383 00:20:25.839 --> 00:20:27.319 working under your old number? 384 00:20:28.240 --> 00:20:28.759 Yes? I did. 385 00:20:28.880 --> 00:20:32.240 I called them up, had him, swooped, sought the stem 386 00:20:32.359 --> 00:20:33.000 up everything. 387 00:20:33.720 --> 00:20:36.200 Okay, got it, And so you got that phone, that 388 00:20:36.279 --> 00:20:37.720 first one virtually free. 389 00:20:38.880 --> 00:20:40.440 No, no, I was making payments on it. 390 00:20:41.839 --> 00:20:45.119 Okay. Then the second show the second one showed up. 391 00:20:45.200 --> 00:20:50.440 Literally three days later, and I told I refused the phone. 392 00:20:51.839 --> 00:20:54.200 So that one goes back. About a week later, I 393 00:20:54.240 --> 00:21:00.079 get another phone. Then, uh, I called him again, Hey man. 394 00:21:00.440 --> 00:21:01.079 I got this. 395 00:21:01.359 --> 00:21:03.519 Well, uh, you have to type in your sight to 396 00:21:03.559 --> 00:21:04.359 go to type in my pin. 397 00:21:04.480 --> 00:21:06.279 My pen don't work. They've got my pin. 398 00:21:07.720 --> 00:21:09.359 So then okay, what do we got to do. Well, 399 00:21:09.400 --> 00:21:11.720 I can't change your pin on the phone. You're gonna 400 00:21:11.720 --> 00:21:15.039 have to go to the store because of the fraud. Okay, 401 00:21:15.319 --> 00:21:17.599 so it's I think it was one store open. I 402 00:21:17.599 --> 00:21:19.799 live in Oregon, so I had to drive all the 403 00:21:19.799 --> 00:21:22.920 way over from More. I'm way out of town into Springfield. 404 00:21:23.359 --> 00:21:26.440 I get to the store there, walk in and app 405 00:21:26.440 --> 00:21:28.519 to wait in a line, and then out says, oh, 406 00:21:28.559 --> 00:21:29.799 you have to go through fraud prevention. 407 00:21:29.960 --> 00:21:31.319 That's on not eight hundred number. 408 00:21:32.799 --> 00:21:34.640 Now let me ask you something. Is this with the 409 00:21:34.720 --> 00:21:36.720 third phone in hand? Or did you never get the 410 00:21:36.759 --> 00:21:37.440 third phone? 411 00:21:38.000 --> 00:21:38.680 I didn't take. 412 00:21:38.559 --> 00:21:40.799 Anything after that. I sold the fed Ex driver. I said, 413 00:21:40.839 --> 00:21:42.359 you see him, just send them back. 414 00:21:42.440 --> 00:21:44.160 Okay, I got it. I got it. So where do 415 00:21:44.200 --> 00:21:46.039 you stand right now? What's the problem right now? 416 00:21:47.880 --> 00:21:50.799 Well I had I had argued with them and argued 417 00:21:50.839 --> 00:21:54.119 with them, and they wouldn't take that off. Any of 418 00:21:54.200 --> 00:21:56.079 these phones are anything off my belt. So that's when 419 00:21:56.079 --> 00:21:57.480 I went down to the store and was. 420 00:21:57.480 --> 00:22:00.720 Wait, wait, wait, wait, So all three hold on, hold on, 421 00:22:01.160 --> 00:22:05.319 all three phones you're telling me are on your account. 422 00:22:06.640 --> 00:22:08.400 At that point, yes, And there was more. There was 423 00:22:08.440 --> 00:22:10.279 more than that. There was also all of a sudden, 424 00:22:10.519 --> 00:22:15.839 a Walmart charge off your phone account popped up to 425 00:22:16.119 --> 00:22:18.160 walk into Walmart, scan the thing, and it's yours. 426 00:22:21.319 --> 00:22:24.119 So I call it, so I'm very interested. 427 00:22:24.319 --> 00:22:27.839 Wait a minute, I'm very interested in this because this 428 00:22:27.960 --> 00:22:31.680 was targeted. Yet when you called Verizon about the first one, 429 00:22:32.319 --> 00:22:34.079 they acknowledged that. 430 00:22:34.000 --> 00:22:38.799 It was a mistake, right, yep, sure did, and. 431 00:22:38.680 --> 00:22:41.799 You said, well, even though it's a mistake, I want 432 00:22:41.839 --> 00:22:44.400 to upgrade anyway, so I'll just keep it. Then after 433 00:22:44.440 --> 00:22:47.960 that a second one came. Did Verizon say the second one. 434 00:22:47.759 --> 00:22:48.400 Was a mistake. 435 00:22:49.400 --> 00:22:51.000 Yes, they told me it was fraud and I shouldn't 436 00:22:51.039 --> 00:22:51.880 have got to my doorstep. 437 00:22:51.920 --> 00:22:54.079 And I said, well, it's well, hold on, a mistake 438 00:22:54.200 --> 00:22:55.680 or fraud, there's two different things. 439 00:22:55.920 --> 00:22:56.319 You said. 440 00:22:56.319 --> 00:23:00.000 The first one was a mistake. It was the first one. 441 00:23:01.559 --> 00:23:03.240 Every one of them you got was fraud. 442 00:23:03.480 --> 00:23:06.599 But now it seems very odd to me that the 443 00:23:06.640 --> 00:23:11.400 first phone was delivered in a fraudulent scheme and Verizon 444 00:23:11.519 --> 00:23:12.400 let you keep it. 445 00:23:14.000 --> 00:23:17.880 Don't ask me. They did, And I've been arguing ever since. 446 00:23:18.640 --> 00:23:21.079 All right, what are you arguing about that? What are 447 00:23:21.079 --> 00:23:21.960 you arguing about? 448 00:23:22.960 --> 00:23:25.599 What happened? Because I keep getting these phones and keep 449 00:23:25.640 --> 00:23:28.119 sending them back. But when the Walmart thing came up 450 00:23:29.000 --> 00:23:31.000 and I had my pen, well, now I. 451 00:23:30.960 --> 00:23:32.039 Got big concerns. 452 00:23:32.599 --> 00:23:34.640 So that's when I started making more phone calls to him, 453 00:23:34.799 --> 00:23:36.279 and finally it was like, well, you got to go 454 00:23:36.279 --> 00:23:36.799 to the store. 455 00:23:36.839 --> 00:23:37.680 So I go down the store. 456 00:23:37.720 --> 00:23:39.960 How many phones at all? How many phones it all 457 00:23:40.079 --> 00:23:42.759 kept showing up? Are we talking about a dozen? 458 00:23:43.720 --> 00:23:44.480 I quit counting. 459 00:23:45.480 --> 00:23:49.160 I quick count there was maybe five would day three. 460 00:23:49.240 --> 00:23:50.839 The next. 461 00:23:52.839 --> 00:23:55.039 I was having fun just to gome on to look 462 00:23:55.079 --> 00:23:58.240 at the FedEx thing anymore, because I'd see it's coming 463 00:23:58.279 --> 00:23:58.480 to me. 464 00:24:01.440 --> 00:24:01.720 Wow. 465 00:24:01.920 --> 00:24:04.720 Then, so where does this stand right now? Are every 466 00:24:04.799 --> 00:24:07.759 one of those phones that showed up? Are they on 467 00:24:07.799 --> 00:24:09.640 your account? 468 00:24:10.240 --> 00:24:12.960 At this point, I'm not even sure what's on there anymore. 469 00:24:13.079 --> 00:24:13.880 It's like three. 470 00:24:14.079 --> 00:24:17.160 Well, no, here's what I'm asking. It's very easy, Robert. 471 00:24:17.680 --> 00:24:19.599 When did all this start? 472 00:24:20.359 --> 00:24:20.440 Was? 473 00:24:20.480 --> 00:24:22.200 What to two and a half years ago? 474 00:24:23.759 --> 00:24:25.839 Okay, here's what I'm going to ask you, because you 475 00:24:25.880 --> 00:24:27.799 said you don't know, yes you do. 476 00:24:28.039 --> 00:24:29.880 Are you paying for one phone? Are you paying for 477 00:24:29.920 --> 00:24:30.640 five phones? 478 00:24:31.200 --> 00:24:34.400 I have dropped Verizon totally and went to a different company. 479 00:24:35.759 --> 00:24:38.839 Okay, are you being billed by Verizon? 480 00:24:40.000 --> 00:24:43.559 I have a big bill by Verizon for three thousand dollars. 481 00:24:44.279 --> 00:24:47.119 Okay, and they're saying it's for five phones. 482 00:24:47.519 --> 00:24:50.680 And now Tom, I admit to owing part of that 483 00:24:51.160 --> 00:24:55.279 because I was paying on the phones. But I don't 484 00:24:55.480 --> 00:24:57.799 owe the full amount for this phone. 485 00:24:57.920 --> 00:24:58.240 I don't. 486 00:24:58.799 --> 00:25:00.559 I just don't owe these full months. 487 00:25:00.319 --> 00:25:01.279 And they're trying to charge me. 488 00:25:03.759 --> 00:25:09.559 Robert, according to your story about six or seven phones 489 00:25:09.599 --> 00:25:12.440 showed up at your house and you only kept one 490 00:25:12.440 --> 00:25:17.160 of them. What I'm asking you is, before you left Horizon, 491 00:25:17.759 --> 00:25:20.839 were you paying on six or seven phones or one? 492 00:25:21.200 --> 00:25:21.359 No? 493 00:25:22.039 --> 00:25:25.640 Just I was paying on a boom. I was paying 494 00:25:25.680 --> 00:25:30.400 on two, two, three, three with phone. 495 00:25:31.720 --> 00:25:32.200 Numbers? 496 00:25:32.240 --> 00:25:33.279 Why with my pad? 497 00:25:33.720 --> 00:25:36.000 Why were you paying for Why were you paying for three? 498 00:25:36.440 --> 00:25:39.599 Why were you paying for three phones? 499 00:25:40.200 --> 00:25:44.079 That was my original plan with Verizon, three phones. I 500 00:25:44.119 --> 00:25:45.640 had iPad and two phones. 501 00:25:47.119 --> 00:25:51.559 Okay, the other phones that you sent back, the other 502 00:25:51.640 --> 00:25:55.279 phones that you refused, Okay, where are they? Does Verizon 503 00:25:55.400 --> 00:25:56.319 think they're yours? 504 00:25:57.519 --> 00:25:59.759 No, they're at the Verizon warehouse wherever they went. 505 00:25:59.880 --> 00:26:00.480 They know that. 506 00:26:01.160 --> 00:26:01.519 Okay. 507 00:26:02.039 --> 00:26:06.000 Now, why are you concerned if Verizon has a bill 508 00:26:06.039 --> 00:26:08.119 with you and you're not with them anymore? 509 00:26:08.400 --> 00:26:10.279 Just ignore the bill. It was all fraudulent. 510 00:26:11.160 --> 00:26:14.920 They were charging me over on each bill because they 511 00:26:14.960 --> 00:26:17.960 were charging me for like four phones, five phones, and 512 00:26:18.000 --> 00:26:18.759 I didn't own that me. 513 00:26:19.160 --> 00:26:21.359 Yeah, but they but you never had them. What difference 514 00:26:21.359 --> 00:26:23.319 does it make. It's all fraudulent bill. 515 00:26:24.160 --> 00:26:26.880 They wouldn't take it off there they shoot. 516 00:26:27.279 --> 00:26:29.000 They don't have to take it off. You just don't. 517 00:26:29.119 --> 00:26:31.559 Just don't pay it. They'll never prove it was yours. 518 00:26:31.559 --> 00:26:33.839 Hold on, I got to come right back. Hang on, bro, 519 00:26:34.400 --> 00:26:36.480 I have to take a break. Three h three seven 520 00:26:36.559 --> 00:26:43.680 one three eight two five five. Go with a sure 521 00:26:43.759 --> 00:26:47.200 thing Denver's Best roofer Excel Roofing dot com. You don't 522 00:26:47.200 --> 00:26:53.240 pay a cent until you're content. Time for an insurance 523 00:26:53.319 --> 00:26:57.039 check up free, no obligation. In comparison, call Compass Insurance 524 00:26:57.200 --> 00:26:59.960 paying too much your coverage at dozens of insurance company 525 00:27:00.039 --> 00:27:02.519 lease find out now three all three seven seven to one. 526 00:27:02.640 --> 00:27:02.880 Help. 527 00:27:03.039 --> 00:27:05.680 You'll think you're his only customer when you choose Frank 528 00:27:05.759 --> 00:27:08.200 durand the real estate Man dot com to list your 529 00:27:08.240 --> 00:27:11.359 home with Remax Alliance three all three nine two zero 530 00:27:11.519 --> 00:27:20.519 sixteen twenty two. Hi, Tom Martino, your troubleshooter three all 531 00:27:20.559 --> 00:27:22.400 three seven one three talks seven one three eight two 532 00:27:22.519 --> 00:27:26.160 five y five. Now, Robert, there's something that I tell 533 00:27:26.200 --> 00:27:31.880 people to do when situations get so complicated they're hard 534 00:27:31.920 --> 00:27:34.960 to unravel. What you're saying is about two years ago, 535 00:27:35.000 --> 00:27:37.920 a cell phone showed up at your door without you 536 00:27:38.119 --> 00:27:38.519 ordering it. 537 00:27:39.240 --> 00:27:40.359 They said it was a mistake. 538 00:27:40.400 --> 00:27:43.160 You said, I'll keep it anyway, and then you used 539 00:27:43.200 --> 00:27:46.319 it as an upgrade. Then one phone after another, after another, 540 00:27:46.359 --> 00:27:48.079 after another after another showed up. 541 00:27:48.960 --> 00:27:50.480 Seven, six or seven phones. 542 00:27:51.599 --> 00:27:55.200 You got disgusted with Verizon and went to a whole 543 00:27:55.240 --> 00:28:01.160 different company. Did you keep any of the phones from Verizon? 544 00:28:02.000 --> 00:28:02.799 I kept all three. 545 00:28:04.640 --> 00:28:08.079 You kept three of the seven, yep, And I. 546 00:28:07.960 --> 00:28:10.799 Owe partial bills on those phones, and I admit that. 547 00:28:11.119 --> 00:28:15.200 Okay, Then what you do is this. Then you write. 548 00:28:15.440 --> 00:28:15.839 You write a. 549 00:28:15.880 --> 00:28:19.200 Letter very easily, an email or whatever you know, not 550 00:28:19.240 --> 00:28:20.799 a let you know what I mean. You write to 551 00:28:20.839 --> 00:28:25.599 them saying I acknowledge that I kept three of the phones, 552 00:28:26.400 --> 00:28:28.680 and I incurred this much. 553 00:28:28.599 --> 00:28:30.559 In billing that I already did. 554 00:28:30.599 --> 00:28:33.279 All right, then that's all you need to do. 555 00:28:33.640 --> 00:28:36.039 Then you ignore them and let me explain what I 556 00:28:36.079 --> 00:28:36.519 mean by that. 557 00:28:37.200 --> 00:28:40.240 What I've got now, Robert, it's on my credit report. 558 00:28:40.319 --> 00:28:41.880 And then the other thing that happened to me. 559 00:28:41.920 --> 00:28:44.000 Is well you can test it. You can test it 560 00:28:44.000 --> 00:28:46.720 on your credit report. Robert, if you listen for a second, 561 00:28:46.960 --> 00:28:48.920 then you can tell me what you don't want to do. 562 00:28:49.519 --> 00:28:51.279 But here's what people should do. 563 00:28:52.200 --> 00:28:53.599 Can I tell you this real quick talk? 564 00:28:55.000 --> 00:28:55.440 Go ahead? 565 00:28:56.359 --> 00:28:56.640 Okay. 566 00:28:56.680 --> 00:29:00.599 What I did is I refinanced through UH. I got 567 00:29:00.640 --> 00:29:03.119 rid of my COVID hangover included. 568 00:29:02.759 --> 00:29:03.960 On my dead out. 569 00:29:04.160 --> 00:29:07.880 So I have a check for Verizon for three thousand dollars, 570 00:29:08.160 --> 00:29:10.519 but I'm going to refuse. I'll eat the cost before 571 00:29:10.519 --> 00:29:11.359 I send that check in. 572 00:29:15.119 --> 00:29:17.680 Now, why do you this three thousand is what you 573 00:29:17.720 --> 00:29:18.480 don't think you owe? 574 00:29:18.559 --> 00:29:20.799 How much do you think you're around? His mortgage is 575 00:29:20.839 --> 00:29:21.319 what he's saying. 576 00:29:21.319 --> 00:29:23.160 I around fifteen half of it. 577 00:29:24.559 --> 00:29:27.039 Okay, But now I'm going to tell you that the 578 00:29:27.119 --> 00:29:31.119 strategy I tell some consumers to do when things cannot 579 00:29:31.119 --> 00:29:34.720 come to a head, you just do nothing. 580 00:29:35.680 --> 00:29:36.720 Here's what happens. 581 00:29:37.160 --> 00:29:41.200 It forces the other party to take action, and if 582 00:29:41.240 --> 00:29:44.200 you are secure in your records. 583 00:29:43.720 --> 00:29:46.680 And what you say, they will never prove their case. 584 00:29:47.000 --> 00:29:50.039 It actually benefits you if they take it to court 585 00:29:50.480 --> 00:29:52.640 because you actually get to tell your story. 586 00:29:53.440 --> 00:29:57.559 You just forget about them. But what I'm saying now. 587 00:29:57.519 --> 00:29:59.480 Is it's tempted to actually take them to court and 588 00:29:59.519 --> 00:30:01.359 myself file for us small but. 589 00:30:01.359 --> 00:30:03.640 You have you have nothing to take them to court. 590 00:30:04.079 --> 00:30:10.039 You have nothing to sue for. Yeah, okay, then why 591 00:30:10.079 --> 00:30:13.519 were you tempted to take them to court just. 592 00:30:13.440 --> 00:30:16.480 Because I give you fifteen or you know, work it down, 593 00:30:16.599 --> 00:30:17.519 work it through the judge. 594 00:30:17.680 --> 00:30:18.599 It was my opinion. 595 00:30:19.400 --> 00:30:23.000 Okay, Robert, you have nothing to sue for. You haven't 596 00:30:23.000 --> 00:30:26.400 paid him anything. You have nothing to sue for. You 597 00:30:26.440 --> 00:30:28.400 can't sue them just because. 598 00:30:30.200 --> 00:30:32.319 Robert. I'm going to say this once again. 599 00:30:33.079 --> 00:30:35.240 You write to them and tell them exactly what you 600 00:30:35.319 --> 00:30:38.640 think you owe and offer an amount in final settlement 601 00:30:39.240 --> 00:30:42.079 and then leave it and make them come after you. 602 00:30:42.440 --> 00:30:43.680 It's that easy. 603 00:30:43.960 --> 00:30:47.839 If you only kept three phones and you have records. 604 00:30:47.359 --> 00:30:49.119 Of that, that's what you pay. 605 00:30:49.640 --> 00:30:52.559 The rest they would have to prove they're never going 606 00:30:52.640 --> 00:30:55.200 to do it. As far as your credit report, you 607 00:30:55.279 --> 00:30:57.559 can test it. That's all I can tell you. I'm 608 00:30:57.559 --> 00:30:59.960 not going to keep going over and over and over 609 00:31:00.119 --> 00:31:01.440 and over with the same advice. 610 00:31:01.839 --> 00:31:02.559 Thank you. 611 00:31:02.559 --> 00:31:05.160 You tell me what happens. They're not gonna come after you. 612 00:31:05.720 --> 00:31:09.440 Chris has a quick follow up question on on something, 613 00:31:09.559 --> 00:31:11.039 but I'm gonna have to wait till after this. 614 00:31:11.160 --> 00:31:12.400 Chris, hang on, I'll come right to you. 615 00:31:17.960 --> 00:31:21.200 Go with a sure thing Denver's Best Roofer Excel roofing 616 00:31:21.319 --> 00:31:23.960 dot com. You don't pay a cent until you're content, 617 00:31:25.519 --> 00:31:29.799 wait time for an insurance check up free, no obligation. 618 00:31:29.839 --> 00:31:33.640 In comparison, call Compass insurance paying too much your coverage 619 00:31:33.680 --> 00:31:36.319 at dozens of insurance companies find out now three all 620 00:31:36.400 --> 00:31:38.759 three seven to seven to one. Help You'll think you're 621 00:31:38.799 --> 00:31:41.279 his only customer when you choose Frank durand the real 622 00:31:41.400 --> 00:31:44.400 estate Man dot com to list your home with Remax 623 00:31:44.440 --> 00:31:47.480 Alliance three all three nine two zero sixteen twenty two. 624 00:31:51.440 --> 00:31:57.079 Tom Martino, Now, Chris has a question, Chris, what's going on? 625 00:31:57.119 --> 00:31:57.319 Man? 626 00:31:57.559 --> 00:31:59.759 Yeah, yeah, Hi, good morning. 627 00:32:00.160 --> 00:32:01.880 I just have a follow up question on a call 628 00:32:01.920 --> 00:32:05.400 earlier as a recap. I had a tailor that jack 629 00:32:05.440 --> 00:32:10.240 knifed and lost the container I was hauling, and insurance 630 00:32:10.240 --> 00:32:13.200 didn't cover it. The container was. 631 00:32:13.519 --> 00:32:17.799 Insurance didn't Insurance didn't cover what hold on, Chris, Insurance 632 00:32:17.839 --> 00:32:19.319 didn't cover the container. 633 00:32:21.119 --> 00:32:23.880 They didn't cover the towing and storage of the container. 634 00:32:25.200 --> 00:32:25.920 Okay, got it. 635 00:32:28.559 --> 00:32:33.640 So my question is if I abandoned the container, what 636 00:32:33.759 --> 00:32:36.920 is the probability of the toe company coming after me? 637 00:32:36.960 --> 00:32:37.319 Civilly? 638 00:32:39.319 --> 00:32:44.519 Well, okay, was that the only thing that was towed 639 00:32:44.640 --> 00:32:45.720 or was everything towed? 640 00:32:45.799 --> 00:32:46.559 Under one bill. 641 00:32:48.160 --> 00:32:49.519 No, it was only the container. 642 00:32:51.839 --> 00:32:53.039 Well, okay, so when. 643 00:32:52.920 --> 00:32:56.759 You got into this accident, the container came off the trailer. 644 00:32:56.799 --> 00:32:57.319 Is that right? 645 00:32:59.000 --> 00:32:59.559 That's correct? 646 00:33:01.240 --> 00:33:02.400 How big is the container? 647 00:33:04.240 --> 00:33:07.559 It's an eight by thirteen weighs about forty. 648 00:33:09.400 --> 00:33:09.799 Okay? 649 00:33:10.160 --> 00:33:13.119 And who and did it roll off the road or 650 00:33:13.200 --> 00:33:14.480 was it blocking traffic? 651 00:33:14.599 --> 00:33:15.240 Why was it? 652 00:33:15.920 --> 00:33:20.599 Why was it hoisted and taken away by a tow company? 653 00:33:20.680 --> 00:33:21.119 Yeah it was. 654 00:33:21.319 --> 00:33:26.000 It was on a mountain road and was an impediment. 655 00:33:27.839 --> 00:33:31.680 Now, okay, who told them to take it away? Did 656 00:33:31.680 --> 00:33:32.880 the state police or. 657 00:33:32.839 --> 00:33:33.200 Did you. 658 00:33:34.799 --> 00:33:35.799 Did? I? The I did? 659 00:33:37.440 --> 00:33:41.799 Okay, Then you're responsible for that bill. If your insurance 660 00:33:41.839 --> 00:33:45.119 doesn't pay and you want to forfeit that trailer, I 661 00:33:45.160 --> 00:33:49.160 mean that container and its contents, that's really up to 662 00:33:49.200 --> 00:33:51.799 the towing company what they want to do. They can 663 00:33:51.880 --> 00:33:55.559 choose to come after you personally for just the job, 664 00:33:55.720 --> 00:33:58.200 or they can let it go. It would be best to. 665 00:33:58.119 --> 00:34:02.119 Try to negotiate, because it's just better that way. 666 00:34:02.680 --> 00:34:05.279 But you are responsible. We got more coming up on 667 00:34:05.319 --> 00:34:06.319 the Troubleshooter Show. 668 00:34:07.480 --> 00:34:10.760 Go with a sure Thing Denver's Best Roofer Excel roofing 669 00:34:10.880 --> 00:34:13.519 dot com. You don't pay a cent until you're content 670 00:34:16.880 --> 00:34:20.079 time for an insurance check up free, no obligation. In comparison, 671 00:34:20.199 --> 00:34:23.760 call Compass Insurance paying too much your coverage at dozens 672 00:34:23.760 --> 00:34:26.480 of insurance companies find out now three oh three seven 673 00:34:26.599 --> 00:34:29.400 seven to one help. You'll think you're his only customer 674 00:34:29.440 --> 00:34:31.719 when you choose Frank durand the real estate Man dot 675 00:34:31.719 --> 00:34:35.039 com to list your home with Remax Alliance three oh 676 00:34:35.079 --> 00:34:37.039 three nine two zero sixteen twenty two. 677 00:34:38.119 --> 00:34:48.199 Yeah, you need advice, so you don't have. 678 00:34:50.760 --> 00:34:56.000 Run as fast as we can. Shooter's gonna help. Come. 679 00:34:57.519 --> 00:35:01.880 This is the Troubleshooter Show. No Tom Martinez. 680 00:35:03.159 --> 00:35:06.480 Hey, I'm Tom Martino. Thank you for being here as we've. 681 00:35:06.360 --> 00:35:08.800 Been doing for forty five years. 682 00:35:08.719 --> 00:35:11.000 Oh my gosh in Denver alone. 683 00:35:11.039 --> 00:35:13.039 That's the longest running radio show with the same host 684 00:35:13.039 --> 00:35:17.199 currently on the air. And we are solving problems, answering questions, 685 00:35:17.239 --> 00:35:18.159 taking complaints. 686 00:35:18.559 --> 00:35:20.639 So welcome to the show. Let's talk. 687 00:35:20.719 --> 00:35:24.159 We have in the studio Joseph Caiano, certified financial planner, 688 00:35:24.519 --> 00:35:27.880 and we also have a major, Mark Major and deputy doc. 689 00:35:27.960 --> 00:35:31.280 And then I'm in the home studio. 690 00:35:31.320 --> 00:35:34.159 We're kicking butt today and every day. 691 00:35:34.239 --> 00:35:38.360 So Joe, I have a text free text for you 692 00:35:39.239 --> 00:35:41.079 and they want to know about this movie thing they 693 00:35:41.119 --> 00:35:41.920 went to the last one. 694 00:35:42.039 --> 00:35:43.519 Is it the same movie? They want to know? 695 00:35:44.000 --> 00:35:45.920 And it I mean, it doesn't matter if it is 696 00:35:46.039 --> 00:35:46.360 or isn't. 697 00:35:46.360 --> 00:35:48.800 But this one already saw that movie and wanted to 698 00:35:48.800 --> 00:35:49.920 know if this is a new one. 699 00:35:52.639 --> 00:35:55.039 No, it's not a new one, Tom, It's actually the 700 00:35:55.079 --> 00:36:00.440 same movie. We had so many requests to show again. 701 00:36:00.719 --> 00:36:03.599 Well, but you want new people anyway, because the ones 702 00:36:03.639 --> 00:36:07.280 that saw it, they took action. So if you saw 703 00:36:07.320 --> 00:36:09.960 the movie, it is the same movie. But I would 704 00:36:09.960 --> 00:36:12.920 say Joe, that new information comes out all the time, 705 00:36:12.960 --> 00:36:15.400 even with the same movie because you take questions and. 706 00:36:15.440 --> 00:36:19.079 Answers right that are absolutely right. You know, we as 707 00:36:19.119 --> 00:36:22.440 an educational movie. So if somebody saw the movie already, 708 00:36:22.440 --> 00:36:25.639 they can set up an appointment and an individual appointment 709 00:36:25.719 --> 00:36:28.280 with me so they can come to the office or 710 00:36:28.360 --> 00:36:30.880 do a zoom or do a telephone call and we 711 00:36:30.920 --> 00:36:33.519 can answer all their questions and we can actually talk 712 00:36:33.559 --> 00:36:37.280 about the main parts of the movie and how they 713 00:36:37.639 --> 00:36:39.599 those apply to the individual. 714 00:36:41.320 --> 00:36:50.239 And so the movie event we're talking about is on. 715 00:36:47.159 --> 00:36:52.360 Tuesday, that twenty fifth Tuesday, and it's at and the 716 00:36:52.360 --> 00:36:53.679 theater is what area. 717 00:36:53.559 --> 00:36:57.559 It's called the Highlands Ranch AMC twenty four and the 718 00:36:57.599 --> 00:37:00.800 movie begins at seven o'clock, but we ask people to 719 00:37:00.960 --> 00:37:05.280 please arrive at least thirty minutes early. We provide the 720 00:37:05.440 --> 00:37:06.199 sessions and they're. 721 00:37:06.000 --> 00:37:11.000 Going to be refreshments and everything, and refreshments and information. So, uh, 722 00:37:11.280 --> 00:37:13.039 just mark that on your calendars. You can call three 723 00:37:13.079 --> 00:37:17.599 oh three. Let's see. So what seven seven nine sixty 724 00:37:17.599 --> 00:37:19.239 six hundred. Is that what number you want? 725 00:37:19.360 --> 00:37:21.599 Yes, Dom, you know three o three seven seven nine 726 00:37:21.679 --> 00:37:24.760 sixty six hundred. Do you think I'll actually go to 727 00:37:24.800 --> 00:37:27.360 the website and sign up? It's called my Money, My 728 00:37:27.760 --> 00:37:29.840 moneymway dot com. 729 00:37:29.880 --> 00:37:31.760 All right, let's talk to Jeff. 730 00:37:31.840 --> 00:37:34.199 Jeff by the way, anyone can call us at three 731 00:37:34.239 --> 00:37:36.760 oh three, seven to one three talk. That's the studing number, 732 00:37:37.079 --> 00:37:40.679 and iHeart and Denver. We also have the national number 733 00:37:40.679 --> 00:37:43.079 we use, which is mine three oh three Martino three 734 00:37:43.079 --> 00:37:45.559 oh three six two seven eight four sixty six and 735 00:37:45.599 --> 00:37:48.239 that number comes through to us twenty four to seven, 736 00:37:48.480 --> 00:37:50.480 and we will put you on the show. Hey, Jeff, 737 00:37:50.599 --> 00:37:51.920 you want to talk about a bank issue? 738 00:37:51.960 --> 00:37:52.400 What's going on? 739 00:37:52.480 --> 00:37:52.800 Jeff? 740 00:37:54.840 --> 00:38:01.480 By Tom or Hey, we're just completing a trust and uh, 741 00:38:03.239 --> 00:38:05.320 we've got a ten ninety nine from a bank in 742 00:38:05.360 --> 00:38:10.000 anstest park and uh, we're going to close this check. 743 00:38:10.079 --> 00:38:11.719 Now, what does the Troy wait about it? 744 00:38:11.760 --> 00:38:14.599 Did the trust get the ten ninety nine? 745 00:38:16.079 --> 00:38:20.719 No, a personal ten ninety nine to my mother in law? 746 00:38:22.360 --> 00:38:25.159 And okay, I don't understand what the trust has to 747 00:38:25.159 --> 00:38:26.559 do with it. Tell the story, go ahead. 748 00:38:28.440 --> 00:38:31.719 They're telling that, telling us that the account was opened 749 00:38:32.320 --> 00:38:37.639 in a trust with her name on it, and they 750 00:38:37.679 --> 00:38:42.360 can't do anything with the funds or until they can 751 00:38:42.400 --> 00:38:43.559 see the trust. 752 00:38:45.280 --> 00:38:48.480 So let me get this straight. Is this your your 753 00:38:48.480 --> 00:38:49.079 mother in law? 754 00:38:49.159 --> 00:38:49.320 Right? 755 00:38:51.239 --> 00:38:51.480 Yes? 756 00:38:51.599 --> 00:38:54.840 Uh huh? And her husband is she deceived your before 757 00:38:55.840 --> 00:38:56.199 she is? 758 00:38:56.440 --> 00:39:02.639 Okay? So they're they're both they're both passed away. 759 00:39:01.000 --> 00:39:01.440 Yes, sir. 760 00:39:02.960 --> 00:39:08.199 And there's a bank account owned by the trust. 761 00:39:09.639 --> 00:39:12.000 Well, we didn't know that it was even there. 762 00:39:11.920 --> 00:39:13.760 Until we got this king ninety nine. 763 00:39:14.480 --> 00:39:16.280 They have been paid, I get it. 764 00:39:16.800 --> 00:39:21.519 A bank account. The bank account is owned by your 765 00:39:21.559 --> 00:39:24.719 mother in law's estate. That's what I mean, whether you 766 00:39:24.760 --> 00:39:26.960 knew about it or not, is that true? In fact, 767 00:39:27.400 --> 00:39:30.280 that the that it was owned by your mother in law's. 768 00:39:30.079 --> 00:39:35.280 Estate, it was okay? 769 00:39:35.760 --> 00:39:39.760 Was it a personal account or was it a business account? 770 00:39:41.760 --> 00:39:44.079 Well, on this ten ninety nine it says on the 771 00:39:44.199 --> 00:39:49.360 interest statement for twenty twenty four. It's a personal account 772 00:39:49.800 --> 00:39:51.880 and then we have the account number for it. 773 00:39:52.440 --> 00:39:58.400 But okay, right, But was it transferred Jeff? Was it 774 00:39:58.480 --> 00:40:02.880 transferred to the trust upon her death or was it 775 00:40:02.920 --> 00:40:05.360 put in the trust while she was alive? 776 00:40:09.880 --> 00:40:12.079 It was put in the trust while she was alive. 777 00:40:13.599 --> 00:40:16.559 Okay, Why did she do it? What does the trust 778 00:40:16.599 --> 00:40:20.760 say about that bank account? Because you have a trust 779 00:40:21.119 --> 00:40:23.599 and you were looking through it, what does it say 780 00:40:24.079 --> 00:40:25.760 to do with the bank accounts? 781 00:40:27.119 --> 00:40:31.440 Yeah, we don't have the trust. We never had the trust, 782 00:40:31.880 --> 00:40:37.480 and we have a family trust, so that okay. 783 00:40:38.079 --> 00:40:41.039 But the mother in law. Did the mother in law 784 00:40:41.119 --> 00:40:42.119 have her own trust? 785 00:40:45.480 --> 00:40:47.760 It sounds like at one time she did, but we 786 00:40:48.039 --> 00:40:51.079 didn't know anything about it. The trust that we have 787 00:40:51.639 --> 00:40:56.280 family trust with her and her rest okay, husband. 788 00:40:56.800 --> 00:41:00.159 And uh and and the bank the bank does not. 789 00:41:00.559 --> 00:41:03.039 What is the name of the trust that the bank 790 00:41:03.119 --> 00:41:06.440 says owns this account. Is it different than the family trust? 791 00:41:08.599 --> 00:41:08.960 It is? 792 00:41:09.039 --> 00:41:15.320 It's under her name only, Okay, her name. 793 00:41:15.280 --> 00:41:18.880 And they and they say to you, and they say 794 00:41:18.920 --> 00:41:21.840 to you, they won't give you any information on this 795 00:41:21.960 --> 00:41:24.840 account unless they know you're authorized by the trust. 796 00:41:24.880 --> 00:41:27.880 Is that right, right? 797 00:41:28.079 --> 00:41:32.519 And we sent them we're authorized on the family trust. 798 00:41:32.559 --> 00:41:34.239 We do not have this trust or. 799 00:41:34.320 --> 00:41:36.800 They well, they don't care about that, Jeff. They don't 800 00:41:36.800 --> 00:41:37.440 care about that. 801 00:41:37.880 --> 00:41:41.320 This trust that was formed by your mother in law 802 00:41:41.480 --> 00:41:45.119 for whatever reason, we don't know, has does it have 803 00:41:45.239 --> 00:41:46.639 more than that bank account in it? 804 00:41:46.679 --> 00:41:47.039 Do you know? 805 00:41:49.760 --> 00:41:54.679 No, that's it? And how do you know that that? 806 00:41:57.159 --> 00:41:59.480 I'm sorry, how. 807 00:41:59.320 --> 00:42:00.800 Do you know what the trust? How do you know 808 00:42:00.840 --> 00:42:02.159 what that trust owns? 809 00:42:05.159 --> 00:42:08.039 Well, it's just a personal trust. According to the bank, 810 00:42:08.480 --> 00:42:09.320 our trust is. 811 00:42:09.440 --> 00:42:11.119 And how do you know And how do you know 812 00:42:11.199 --> 00:42:14.519 that personal trust doesn't own a castle in Great Britain? 813 00:42:17.000 --> 00:42:17.639 I don't. 814 00:42:19.519 --> 00:42:21.119 Jeff, I'm asking this is. 815 00:42:21.079 --> 00:42:21.800 A real question. 816 00:42:22.679 --> 00:42:25.639 What you said that this account showed up. 817 00:42:26.159 --> 00:42:28.760 Via A ten ninety nine? You went, wait a minute, 818 00:42:28.840 --> 00:42:31.840 what account is this? The bank says, oh, it's owned 819 00:42:31.840 --> 00:42:35.400 by mom in law's trust, and you said, okay, let's. 820 00:42:35.119 --> 00:42:37.280 Find out about it. No, you can't not. 821 00:42:37.320 --> 00:42:40.320 Unless you're authorized by the trust. And you say, wait 822 00:42:40.360 --> 00:42:42.800 a minute, we only have the family trust. And the 823 00:42:42.840 --> 00:42:45.519 bank says, that's not the trust we're talking about. And 824 00:42:45.559 --> 00:42:48.519 then Jeff says, what trust are you talking about? And 825 00:42:48.559 --> 00:42:51.440 now you don't know anything about that trust? So it 826 00:42:51.480 --> 00:42:53.840 could have ten other bank accounts in it. You have 827 00:42:53.920 --> 00:42:55.960 no idea what that trust owns. 828 00:42:56.039 --> 00:42:57.000 Is that correct? 829 00:42:58.440 --> 00:42:59.119 That's correct? 830 00:43:00.440 --> 00:43:03.639 Okay, Well, now we got something to go on. We 831 00:43:03.679 --> 00:43:06.840 have a trust somewhere sitting out there, and the question 832 00:43:07.079 --> 00:43:11.079 is how do you find details about a trust since 833 00:43:11.480 --> 00:43:12.960 they're made specifically not. 834 00:43:13.000 --> 00:43:13.679 To be public. 835 00:43:14.679 --> 00:43:17.880 Okay, So we have to find out did the bank 836 00:43:17.960 --> 00:43:20.480 have any suggestions? And by the way, sus, what I 837 00:43:20.519 --> 00:43:21.639 would do, sus. 838 00:43:21.519 --> 00:43:22.159 Is call. 839 00:43:23.920 --> 00:43:28.079 I would call uh Dan mackenzie. Let's see if we 840 00:43:28.119 --> 00:43:30.400 can get them on. We're going to call an attorney 841 00:43:30.760 --> 00:43:33.760 and we want to call in a state planning attorney 842 00:43:33.800 --> 00:43:35.440 to see if he has any information. 843 00:43:35.800 --> 00:43:37.760 But did the bank tell you what they needed? 844 00:43:40.159 --> 00:43:43.159 Well, they told us a number of things. We've sent 845 00:43:43.239 --> 00:43:53.039 them the the will, the first and second causles of 846 00:43:53.199 --> 00:43:59.400 their will that we sent them, the family trust and yeah, 847 00:44:00.119 --> 00:44:02.679 certificate for Francis for the mother in law. 848 00:44:04.199 --> 00:44:07.119 Does it do any other relatives know anything at all 849 00:44:07.199 --> 00:44:09.199 about this trust? 850 00:44:11.280 --> 00:44:12.920 We don't know anything about it? 851 00:44:14.320 --> 00:44:15.519 Okay, hold on, let's try it. 852 00:44:16.679 --> 00:44:20.960 Okay, Okay, she obviously had a reason to form this. 853 00:44:21.480 --> 00:44:23.639 How much was the ten ninety nine and what was 854 00:44:23.639 --> 00:44:24.880 the ten ninety nine four. 855 00:44:27.760 --> 00:44:32.920 The ten ninety nine is for interest, and it was 856 00:44:33.079 --> 00:44:38.360 seven ninety five dollars. And that's the only thing that's 857 00:44:38.400 --> 00:44:39.880 on here other than her name. 858 00:44:39.920 --> 00:44:42.840 And was that for a was that for a year? Sir? 859 00:44:44.840 --> 00:44:46.480 Thanks for twenty twenty four? 860 00:44:46.599 --> 00:44:51.239 Yes, So if a bank account made seven hundred dollars 861 00:44:51.719 --> 00:44:55.119 in twenty twenty four, what interest rate do you think 862 00:44:55.199 --> 00:44:56.400 that a bank would pay? 863 00:44:56.400 --> 00:44:56.559 What? 864 00:44:56.920 --> 00:45:01.360 Two or three percent? Maybe two per percent if anything? 865 00:45:02.639 --> 00:45:04.159 So that's a sizeable account. 866 00:45:04.239 --> 00:45:05.840 Yeah. 867 00:45:05.960 --> 00:45:08.280 I have a list from my father in law that 868 00:45:08.599 --> 00:45:14.199 he wrote back in four eight of twenty eleven. It says, yeah, 869 00:45:14.480 --> 00:45:18.440 Colorado Bank, wats this park head thirty seven thousand, six 870 00:45:18.559 --> 00:45:20.480 hundred and forty seven dollars in it? 871 00:45:22.159 --> 00:45:24.320 And is that the one we're talking about? 872 00:45:26.079 --> 00:45:26.280 Yes? 873 00:45:26.639 --> 00:45:27.119 Huh? 874 00:45:27.280 --> 00:45:28.440 Is that we're guessing that? 875 00:45:28.559 --> 00:45:31.599 Yeah, that sounds like that sounds like a small account. 876 00:45:31.920 --> 00:45:35.960 That sounds like a small account. Listen, hang on all right, 877 00:45:36.159 --> 00:45:38.280 hang on and we'll come right back to you and more. 878 00:45:38.519 --> 00:45:40.440 Three oh three seven one three, talk three seven or 879 00:45:40.440 --> 00:45:41.599 straight two five to five. Listen. 880 00:45:42.079 --> 00:45:44.960 Water Pros has the best water system right now that 881 00:45:45.039 --> 00:45:47.559 you can buy, and they have it for the best 882 00:45:47.599 --> 00:45:51.400 price anywhere in the country. You will never find a 883 00:45:51.480 --> 00:45:56.920 water softener, a forever chemical eliminator, a chlorine reducer or eliminator, 884 00:45:57.440 --> 00:46:01.920 and soft water and drinking water with reverse osmosis, all 885 00:46:01.960 --> 00:46:05.440 for under four grand. It is the most incredible deal 886 00:46:05.679 --> 00:46:09.400 you'll ever find in the water business. That's why I 887 00:46:09.440 --> 00:46:10.400 represent him. 888 00:46:10.639 --> 00:46:14.480 Paul Thewaterman Waterpros dot net three o three eight six 889 00:46:14.639 --> 00:46:22.079 two five five five four. Go with a sure thing 890 00:46:22.199 --> 00:46:25.000 Denver's best roofer Excel Roofing dot com. 891 00:46:25.039 --> 00:46:27.079 You don't pay a cent until you're content. 892 00:46:30.440 --> 00:46:34.000 Time for an insurance checkup free, no obligation comparison call 893 00:46:34.119 --> 00:46:37.440 Compass Insurance paying too much your coverage at dozens of 894 00:46:37.440 --> 00:46:40.400 insurance companies find out now three oh three seven seven 895 00:46:40.400 --> 00:46:43.199 to one help. You'll think you're his only customer when 896 00:46:43.199 --> 00:46:45.679 you choose Frank Durand the real estate Man dot com 897 00:46:45.719 --> 00:46:48.840 to list your home with Remax Alliance three oh three 898 00:46:48.920 --> 00:46:57.679 nine two zero sixteen twenty two. Pay Tom Martino. You're 899 00:46:57.679 --> 00:46:59.840 a troubleshooter. Yeah, the camera just. 900 00:46:59.800 --> 00:47:01.400 Can back up for those who's watching. 901 00:47:01.760 --> 00:47:04.320 If you're wondering, Yeah, just came back up, all right. 902 00:47:04.360 --> 00:47:05.599 So listen, people. 903 00:47:06.880 --> 00:47:10.280 At bank account Jet, we're going to get an attorney 904 00:47:10.320 --> 00:47:12.760 on and we don't have to bring you back up 905 00:47:12.840 --> 00:47:15.880 right now. But I'm figuring that bank account's about fifty grand. 906 00:47:16.800 --> 00:47:17.719 That's what I'm guessing. 907 00:47:18.639 --> 00:47:21.039 At one point five percent would pay about seven seven 908 00:47:21.119 --> 00:47:26.079 hundred and fifty bucks, So it's probably more money than 909 00:47:26.119 --> 00:47:28.760 you think. The question is why didn't she ever mention 910 00:47:28.840 --> 00:47:33.000 it in anything else. We'll figure it out. Deputy Bow 911 00:47:33.119 --> 00:47:36.119 is in the studio. Deputy Bow welcome again, Hello, how 912 00:47:36.119 --> 00:47:36.559 are you going? 913 00:47:36.559 --> 00:47:36.719 Bro? 914 00:47:37.480 --> 00:47:41.840 Now, you this was a really interesting problem the sewer 915 00:47:41.920 --> 00:47:45.800 gas and we thought, you know what, this might have 916 00:47:45.880 --> 00:47:49.840 been a weird problem and maybe she was exaggerating or whatever, 917 00:47:50.079 --> 00:47:52.519 but she said it was so bad she could hardly 918 00:47:52.559 --> 00:47:53.440 stand living here. 919 00:47:54.119 --> 00:47:56.119 And you went over and checked it out, right. 920 00:47:56.039 --> 00:47:59.639 Bo, Yes, I went over Saturday. I wanted to check 921 00:47:59.639 --> 00:48:01.519 it out because sometimes these. 922 00:48:01.360 --> 00:48:06.360 Callers you never know. But she is not in this case. 923 00:48:07.000 --> 00:48:11.519 Peggy is not exaggerating. She was so sick. 924 00:48:12.039 --> 00:48:14.760 Well, she's doing chemo treatment. She's been doing chemo for 925 00:48:14.800 --> 00:48:17.440 about three years. And when I went into her apartment, 926 00:48:17.519 --> 00:48:21.320 she could barely get off the couch. And I investigated, 927 00:48:21.480 --> 00:48:25.840 checked out her HVAC system, the air handler. She is 928 00:48:25.960 --> 00:48:29.519 definitely getting a poop smell for lack of better words. 929 00:48:30.360 --> 00:48:33.119 And now is she tell me what? What is she? 930 00:48:33.199 --> 00:48:33.280 In? 931 00:48:33.280 --> 00:48:35.639 A condo, a town home, a house? What is it? 932 00:48:35.679 --> 00:48:37.519 Okay? It's called tamar And Hall. 933 00:48:37.960 --> 00:48:43.880 It's at the old nursing school dormitory for Children's hospital. 934 00:48:43.880 --> 00:48:46.199 The built it's about a four or five story building. 935 00:48:46.239 --> 00:48:49.159 I think there's eighty units over on nineteenth at Ogden. 936 00:48:49.760 --> 00:48:51.679 Is it a condo? Does she own it or rent? 937 00:48:51.760 --> 00:48:51.800 It? 938 00:48:52.199 --> 00:48:54.480 Is an apartment? It's low income house? 939 00:48:54.599 --> 00:48:55.039 Okay. 940 00:48:55.440 --> 00:48:58.840 So investigated and then I knocked on a few other 941 00:48:59.119 --> 00:49:02.679 apartments while I was there. I couldn't get the I 942 00:49:02.679 --> 00:49:07.559 couldn't smell this odor and other apartments. But Peggy's got 943 00:49:07.559 --> 00:49:11.239 a main tenanch duck going through her apartment, whereas the 944 00:49:11.280 --> 00:49:15.079 other apartments did not. And I'll tell you Tom, I 945 00:49:15.119 --> 00:49:17.920 can only spend about fifteen minutes in her apartment and 946 00:49:18.000 --> 00:49:20.639 I had to get out, that's how bad the smell is. 947 00:49:21.159 --> 00:49:23.960 And she is not exactly but it's only from her apartment. 948 00:49:24.119 --> 00:49:27.199 From what it's only in her apartment, yes. 949 00:49:27.039 --> 00:49:29.199 But I believe there's other people that are getting to 950 00:49:29.239 --> 00:49:33.239 smell because the management company has very strong air freshener 951 00:49:33.440 --> 00:49:36.880 sense in the hallways. So I think they're trying to 952 00:49:36.960 --> 00:49:40.679 mask it. So anyway, this is where it stands. I 953 00:49:40.719 --> 00:49:44.800 called the management company three times, I knocked on the door, 954 00:49:45.039 --> 00:49:50.440 sent an email, no response, so I went ahead and called. 955 00:49:51.000 --> 00:49:52.960 I filed a complaint with the caller out of the 956 00:49:53.000 --> 00:49:56.960 Department of Health, and I had good and I got 957 00:49:57.039 --> 00:50:00.639 hold of the an inspector. Friend at Denver Way Wastewater 958 00:50:01.519 --> 00:50:04.840 filed a complaint there. So the State of Colorado did 959 00:50:04.920 --> 00:50:09.440 go over there yesterday at eleven o'clock to conduct an investigation. 960 00:50:10.599 --> 00:50:12.000 And I just haven't. 961 00:50:11.760 --> 00:50:15.360 Heard, but I believe the odors coming from a cracked 962 00:50:15.480 --> 00:50:18.519 vent line or a pea trap. And also I went 963 00:50:18.599 --> 00:50:21.760 over across the street with my binoculars to look at 964 00:50:21.760 --> 00:50:22.159 the roof. 965 00:50:22.519 --> 00:50:24.119 There's some exhaust. 966 00:50:23.599 --> 00:50:27.199 Fans on this old building, and the exhaust fans may 967 00:50:27.239 --> 00:50:29.360 not be running, but there was no way I could. 968 00:50:29.199 --> 00:50:30.480 Get access to check it. 969 00:50:30.760 --> 00:50:34.159 But the State of Colorado is involved, and I'd sure 970 00:50:34.320 --> 00:50:35.400 like to have them may well. 971 00:50:35.480 --> 00:50:39.840 Part who went out and investigated from the State Colorado 972 00:50:39.920 --> 00:50:44.480 Department of Health his English Rosenberg. 973 00:50:44.840 --> 00:50:47.400 And then I have another person, he's actually an old 974 00:50:47.440 --> 00:50:50.960 friend of mine, Fred Barra, from Denver Wastewater. Since it 975 00:50:51.079 --> 00:50:55.559 could be a wastewater sewage issue, he went over yesterday too, 976 00:50:55.639 --> 00:50:57.800 So hopefully by the end of the show or later 977 00:50:57.880 --> 00:51:00.280 this afternoon, I'll get an update as to what they 978 00:51:00.440 --> 00:51:01.000 have found. 979 00:51:01.480 --> 00:51:03.519 But this management company needs. 980 00:51:03.320 --> 00:51:07.519 To get this lady relocated or find her another place, 981 00:51:07.679 --> 00:51:09.199 because it's unbearable. 982 00:51:11.360 --> 00:51:12.840 I'm going to get the bottom. 983 00:51:15.440 --> 00:51:16.639 Thank you BO for doing that. 984 00:51:16.719 --> 00:51:18.639 I mean you, you know, going the extra min like 985 00:51:18.639 --> 00:51:21.360 that and visiting her and then going across the street 986 00:51:21.360 --> 00:51:24.719 to look upon a roof. That's ingenius, because of a 987 00:51:24.800 --> 00:51:27.559 blocked vent on the roof can cause all kinds of trouble. 988 00:51:27.880 --> 00:51:30.400 But what's really queer about this one is it's only 989 00:51:30.519 --> 00:51:33.840 her place, which tells us it's got to be something 990 00:51:33.880 --> 00:51:35.039 local to her apartment. 991 00:51:35.320 --> 00:51:37.639 Now does she have people above and below her? 992 00:51:38.079 --> 00:51:40.639 She has a floor above her. I was only able 993 00:51:40.639 --> 00:51:41.880 to get into one apartment. 994 00:51:42.199 --> 00:51:44.559 So she on the ground floor? Is she on the 995 00:51:44.599 --> 00:51:45.159 ground floor? 996 00:51:45.440 --> 00:51:47.199 She's in on the fourth floor. 997 00:51:49.519 --> 00:51:50.119 Oh wow? 998 00:51:51.800 --> 00:51:56.119 And yeah, Now when you approach her apartment, when you're 999 00:51:56.119 --> 00:51:58.159 in the hallway, do you smell anything? 1000 00:51:58.320 --> 00:51:59.559 Okay, this is interesting. 1001 00:51:59.840 --> 00:52:02.760 The hallway, I can't smell anything because the management company 1002 00:52:02.800 --> 00:52:06.639 has these air fresheners going in the hallways. But when 1003 00:52:06.639 --> 00:52:10.159 I went into her this is what happens. This smell 1004 00:52:10.360 --> 00:52:13.039 is really pungent when she turns her heater on or 1005 00:52:13.079 --> 00:52:15.920 the air conditioner, so the odor is being carried through 1006 00:52:16.000 --> 00:52:19.920 the ventilation system. Now when she has the heat off 1007 00:52:19.960 --> 00:52:22.960 for the AC off, it's still there, but it's not 1008 00:52:23.159 --> 00:52:23.679 as bad. 1009 00:52:25.440 --> 00:52:27.760 Okay, by that's very weird. Thank you. 1010 00:52:27.920 --> 00:52:29.840 We're gonna find out what the cause is. 1011 00:52:32.960 --> 00:52:37.159 Okay, Now, Deputy Doc has an update. Thank you for it. 1012 00:52:37.199 --> 00:52:39.280 By the way, we really appreciate that, Bow. 1013 00:52:40.800 --> 00:52:41.119 Doc. 1014 00:52:41.760 --> 00:52:42.599 You have an update. 1015 00:52:42.880 --> 00:52:47.400 Remember Hetty couldn't get a phone to work because there's 1016 00:52:47.400 --> 00:52:50.440 her wrong kind of phone it. 1017 00:52:50.320 --> 00:52:52.920 Was, and well she thought, yeah, yeah, she had an. 1018 00:52:52.760 --> 00:52:55.159 IP phone, right, and she was trying to plug it 1019 00:52:55.199 --> 00:52:57.039 into a regular landline right. 1020 00:52:57.639 --> 00:53:02.639 So I told her to just go over to microcenter 1021 00:53:03.280 --> 00:53:06.199 and tell them what's going on. She went there, they 1022 00:53:06.239 --> 00:53:06.519 fixed it. 1023 00:53:06.559 --> 00:53:08.239 Now, how did she get that? How did she get 1024 00:53:08.239 --> 00:53:09.599 that IP phone to begin with? 1025 00:53:09.719 --> 00:53:12.159 I don't remember, Tom, I didn't I didn't ask her 1026 00:53:12.159 --> 00:53:14.800 about how she had Originally, I just hold her to 1027 00:53:14.880 --> 00:53:18.000 go to uh micro Center, talk to them about what's 1028 00:53:18.039 --> 00:53:20.679 going on and see if they could help her. And 1029 00:53:20.719 --> 00:53:23.920 they she had a new phone and everything was fixed 1030 00:53:23.920 --> 00:53:28.440 and she's able to UH also, yeah. 1031 00:53:28.599 --> 00:53:29.199 No fooling. 1032 00:53:29.280 --> 00:53:31.159 So they were able to help her out to get 1033 00:53:31.440 --> 00:53:32.519 a landline that worked. 1034 00:53:32.599 --> 00:53:37.079 Yes, And what happened to the other one, the IP phone? 1035 00:53:37.280 --> 00:53:39.119 I guess I don't know. I guess she sent it back. 1036 00:53:39.760 --> 00:53:42.440 I didn't ask because I'm just happy that she had 1037 00:53:42.440 --> 00:53:44.480 a phone to work and that she had phones. 1038 00:53:44.840 --> 00:53:48.519 Absolutely, so absolutely that deserves a dinger. 1039 00:53:48.559 --> 00:53:49.760 I love using my dinger. 1040 00:53:51.400 --> 00:53:52.199 Dingers are good to have. 1041 00:53:53.199 --> 00:53:55.239 I think Bo gets a bigger dinger than that. 1042 00:53:56.280 --> 00:53:59.679 No, no, Bo's gonna get the dinger. But it's the 1043 00:53:59.800 --> 00:54:01.000 it's it's the midway dinger. 1044 00:54:01.119 --> 00:54:04.599 Okay, he's getting No, he's getting the show on the 1045 00:54:04.679 --> 00:54:08.039 road for damn sure. He got the State Department over 1046 00:54:08.079 --> 00:54:10.239 there of health, and that's really great. 1047 00:54:10.480 --> 00:54:12.440 And yeah, he does deserve a bit of a dinger. 1048 00:54:12.800 --> 00:54:15.440 And then the real dinger comes when that when when 1049 00:54:15.480 --> 00:54:19.400 they say to the landlord, fix this. You know that's 1050 00:54:20.000 --> 00:54:22.239 I love it. You know what, here's what I love. 1051 00:54:22.679 --> 00:54:23.800 People have nowhere to go. 1052 00:54:24.000 --> 00:54:24.679 They really don't. 1053 00:54:24.800 --> 00:54:26.039 They said, what the hell am I going to do? 1054 00:54:26.400 --> 00:54:29.679 They call us, so people spread the word that. You know, 1055 00:54:29.800 --> 00:54:30.559 this show. 1056 00:54:31.280 --> 00:54:34.920 Developed many many, many many years ago, is still going strong. 1057 00:54:35.000 --> 00:54:38.320 Why because we help people three oh three seven. 1058 00:54:39.880 --> 00:54:40.039 Five. 1059 00:54:40.280 --> 00:54:42.360 You always talk about how much money that you saved 1060 00:54:42.440 --> 00:54:45.440 people on your show. Yeah, but think about all the 1061 00:54:45.519 --> 00:54:51.039 stuff we do that doesn't, you know, translate into monetary rewards, 1062 00:54:51.360 --> 00:54:55.360 but helps people in ways like Bo, there's no you know, 1063 00:54:55.440 --> 00:54:57.480 the one with the gas that you can't put a 1064 00:54:57.480 --> 00:54:58.199 price on that. 1065 00:54:58.480 --> 00:55:02.880 How much is that? That's right? That's that's right, woman, Yeah, 1066 00:55:03.000 --> 00:55:03.480 that's right. 1067 00:55:04.039 --> 00:55:06.239 Three oh three seven one three talk seven one three 1068 00:55:06.239 --> 00:55:07.199 eight two five five Bo. 1069 00:55:07.199 --> 00:55:09.480 We really appreciate it, Doc, We really appreciate it. 1070 00:55:10.000 --> 00:55:12.119 We have more coming up, you know. It's the secret 1071 00:55:12.199 --> 00:55:16.559 is being being consistent. One Clear Choice Garage Doors. You 1072 00:55:16.559 --> 00:55:18.760 want to talk about a great company for garage doors, 1073 00:55:19.039 --> 00:55:23.159 One Clear Choice Garage Doors. I can't say anything more 1074 00:55:23.199 --> 00:55:27.800 than they're unbelievable twenty four to seven service, great people, 1075 00:55:28.679 --> 00:55:32.320 great service. So give them a call with any garage 1076 00:55:32.360 --> 00:55:34.800 door problems. Go to their website and you can see 1077 00:55:34.840 --> 00:55:37.320 everything they do and all of the prices. The only 1078 00:55:37.360 --> 00:55:41.320 people that do that. One Clear Choice Stores dot Com 1079 00:55:41.320 --> 00:55:45.639 seven two zero three seven zero thirty nine eighty seven. 1080 00:55:49.360 --> 00:55:52.639 Go with a sure thing Denver's Best roofer Excel Roofing 1081 00:55:52.719 --> 00:55:53.280 dot com. 1082 00:55:53.320 --> 00:55:55.360 You don't pay a cent until you're content. 1083 00:55:58.719 --> 00:56:01.920 Time for an insurance check free, no obligation in comparison, 1084 00:56:02.039 --> 00:56:05.599 call Compass Insurance paying too much your coverage at dozens 1085 00:56:05.639 --> 00:56:08.360 of insurance companies find out now three oh three seven 1086 00:56:08.440 --> 00:56:11.280 seven to one help. You'll think you're his only customer 1087 00:56:11.320 --> 00:56:13.559 when you choose Frank durand the real estate man dot 1088 00:56:13.599 --> 00:56:16.880 com to list your home with Remax Alliance three all 1089 00:56:16.960 --> 00:56:28.480 three nine two zero sixteen twenty two. Hey Tom Martino 1090 00:56:28.519 --> 00:56:30.679 here three oh three seven one three talks seven one 1091 00:56:30.760 --> 00:56:34.519 three eight two five five. Welcome to the show, and 1092 00:56:35.320 --> 00:56:36.719 we have Dan McKenzie with us. 1093 00:56:36.760 --> 00:56:37.000 Now. 1094 00:56:37.679 --> 00:56:41.320 Dan McKenzie does a state planning, which are wills and 1095 00:56:41.360 --> 00:56:45.559 trusts facing probate, avoiding probate? Anything to do with U 1096 00:56:45.639 --> 00:56:50.360 state planning A three three co plans. He's live and local. 1097 00:56:50.400 --> 00:56:52.679 That number just happens to be very convenient. A three 1098 00:56:52.760 --> 00:56:58.800 three COO plans Dan very interesting. So Jeff is handling 1099 00:56:58.800 --> 00:57:01.239 the estate of his mother in life law and the 1100 00:57:01.559 --> 00:57:05.960 ten ninety nine shows up for about seven hundred bucks. 1101 00:57:06.440 --> 00:57:09.599 I'm figuring that's probably on an account at a bank 1102 00:57:10.639 --> 00:57:14.719 of about fifty grand, maybe forty to fifty grand on 1103 00:57:14.760 --> 00:57:15.559 what banks pay. 1104 00:57:16.199 --> 00:57:20.039 And he calls the bank and the. 1105 00:57:20.000 --> 00:57:22.840 Bank says, yeah, this is your mother in law's account 1106 00:57:23.199 --> 00:57:26.320 and it's owned by her trust, and he wants to 1107 00:57:26.320 --> 00:57:29.440 get more information, you know, to distribute it as part 1108 00:57:29.480 --> 00:57:30.079 of her estate. 1109 00:57:31.039 --> 00:57:32.440 And Jeff, what did they tell you? 1110 00:57:36.519 --> 00:57:38.920 It's been going on for about a month. They told 1111 00:57:38.920 --> 00:57:41.599 me that they can't give me any information on this 1112 00:57:42.920 --> 00:57:46.840 and that it is a CD and a trust and 1113 00:57:46.920 --> 00:57:48.440 I have the account number. 1114 00:57:48.159 --> 00:57:49.519 And everything on it, and. 1115 00:57:49.559 --> 00:57:53.360 She's they won't give me any information. They told me 1116 00:57:53.440 --> 00:57:59.199 that I have to get a turn me opinion letter 1117 00:58:00.280 --> 00:58:05.280 and fill out the certification of trust. Well I don't. 1118 00:58:05.400 --> 00:58:06.719 Okay, let's stop right there. 1119 00:58:07.400 --> 00:58:11.159 Dan McKenzie, Dan McKenzie, have you ever heard of someone 1120 00:58:11.280 --> 00:58:14.599 dying who had a trust and it not being mentioned 1121 00:58:14.639 --> 00:58:16.239 anywhere and they have to track it down? 1122 00:58:16.280 --> 00:58:17.039 How do they do it? 1123 00:58:18.239 --> 00:58:18.559 Yeah? 1124 00:58:18.679 --> 00:58:21.960 I mean, I don't know if you've done any conversation 1125 00:58:22.119 --> 00:58:24.199 with any other family members, try and figure. 1126 00:58:24.000 --> 00:58:24.800 Out where it's at. 1127 00:58:24.840 --> 00:58:27.840 But you really need that trust agreement. I mean to 1128 00:58:27.880 --> 00:58:29.719 fill out a certification and trust. It's going to ask 1129 00:58:29.760 --> 00:58:31.719 you when the trust is formed and who the trustee 1130 00:58:31.760 --> 00:58:33.800 is and all that's going to be in the trust agreement. 1131 00:58:34.400 --> 00:58:36.800 I think if worse came, the worst and like, there's 1132 00:58:36.840 --> 00:58:41.159 really nobody who knows or has this trust agreement. You 1133 00:58:41.239 --> 00:58:44.559 probably have to petition at court to essentially create a 1134 00:58:44.639 --> 00:58:50.679 trust to you know, beneficiaries, probably the beneficiaries who would 1135 00:58:50.679 --> 00:58:53.800 have received in an intestacy situation. But I guess we'd 1136 00:58:53.800 --> 00:58:57.199 have to think about that a little bit. But yeah, 1137 00:58:58.000 --> 00:59:01.800 hopefully somebody has a trust agreement someone, because you don't 1138 00:59:01.679 --> 00:59:02.800 want to have to go to court to get that 1139 00:59:02.840 --> 00:59:03.400 figured out. 1140 00:59:05.440 --> 00:59:08.159 Okay, yeah, we don't know where it is, and there's 1141 00:59:08.199 --> 00:59:12.800 only all we had was a family trust, and this 1142 00:59:13.519 --> 00:59:18.599 trust is not mentioned in it. I have a letter 1143 00:59:18.760 --> 00:59:21.480 that my father in lost in to me. It said that. 1144 00:59:23.920 --> 00:59:24.360 They had. 1145 00:59:26.440 --> 00:59:32.199 The family trust, in which was jointly owned. Assets are included, 1146 00:59:32.320 --> 00:59:35.960 but they had a shelter trust for each of them 1147 00:59:36.039 --> 00:59:39.320 which the amount of the deceased trust plus one half 1148 00:59:39.360 --> 00:59:44.000 of the family trust is placed any amount that exceeds 1149 00:59:44.039 --> 00:59:47.119 the exemption for inheritance. You know, it's just to avoid 1150 00:59:47.199 --> 00:59:53.519 inherence tax. And thinking, well, okay. 1151 00:59:53.440 --> 00:59:54.639 Then I have another letter. 1152 00:59:54.719 --> 00:59:57.599 They said that they get away with those trusts, and 1153 00:59:57.840 --> 01:00:01.159 he had one and it's no longer good. It was 1154 01:00:01.199 --> 01:00:03.000 transferred into the family trust. 1155 01:00:03.079 --> 01:00:05.400 I'm assuming, but yeah. 1156 01:00:05.239 --> 01:00:08.639 This obviously was overlooked, and it's good that you got 1157 01:00:08.639 --> 01:00:11.159 to ten ninety nine because you wouldn't have even known existed. 1158 01:00:11.559 --> 01:00:13.199 So, Dan, what would be your first step? 1159 01:00:15.039 --> 01:00:15.679 I think? 1160 01:00:15.800 --> 01:00:19.440 I would you know, sometimes when did your mother in 1161 01:00:19.519 --> 01:00:19.960 law pass? 1162 01:00:23.000 --> 01:00:27.239 January fourth, two thousand and twenty four. 1163 01:00:28.360 --> 01:00:31.079 Okay, Yeah. There used to be a requirement that you 1164 01:00:31.199 --> 01:00:35.559 register trusts, and that's kind of gone away now. Trustees 1165 01:00:35.639 --> 01:00:37.920 just have to reach out and tell the beneficiaries about 1166 01:00:37.920 --> 01:00:40.360 the trust. But it doesn't sound like the trust he 1167 01:00:40.400 --> 01:00:43.880 would know who who they were. But you know, sometimes 1168 01:00:44.280 --> 01:00:48.880 I will. Of course, we've got community list serves and 1169 01:00:48.960 --> 01:00:52.519 emails and stuff like that. A first thing I might 1170 01:00:52.559 --> 01:00:54.079 do if you came to me is just put out 1171 01:00:54.119 --> 01:00:58.559 a message among the Colorado State Planning Council lists are 1172 01:00:58.599 --> 01:01:01.320 just saying that anybody do any estate plan in their 1173 01:01:01.400 --> 01:01:03.360 creative trust for this person and just see if that 1174 01:01:03.559 --> 01:01:06.840 brings something up. A lot of times it's a little 1175 01:01:06.840 --> 01:01:10.800 bit of investigation just like that. But yeah, if that 1176 01:01:10.840 --> 01:01:13.760 does not turn up anything, then you might have to 1177 01:01:13.760 --> 01:01:17.519 ask a court to permit access and prove who the 1178 01:01:17.559 --> 01:01:19.119 heirs are at law. 1179 01:01:21.519 --> 01:01:25.639 Okay, yeah, okay, Well, the family trust is all taken 1180 01:01:25.679 --> 01:01:30.199 care of and we've taken all the assets and divided 1181 01:01:30.239 --> 01:01:33.760 those and put all of the money that was in 1182 01:01:33.800 --> 01:01:36.599 there in that way, they thing that you guys have got. 1183 01:01:38.159 --> 01:01:45.480 Yeah, well here's the thing. Here's the thing man. No, no, 1184 01:01:45.760 --> 01:01:50.400 of course, now here's the deal. Dan McKenzie. I would 1185 01:01:50.440 --> 01:01:52.320 call him, really, you're not going to do this alone. 1186 01:01:53.079 --> 01:01:56.039 This is something he needs to start thinking about this, 1187 01:01:56.519 --> 01:02:00.679 and and I think his idea of telling the courts 1188 01:02:00.760 --> 01:02:05.119 this impossible situation. Courts are courts of equity, not just 1189 01:02:05.199 --> 01:02:10.920 of law, and there are also courts of substance, sometimes 1190 01:02:10.960 --> 01:02:14.920 even over form, meaning that if they know something screwed up, 1191 01:02:14.960 --> 01:02:19.159 the judge has the power to write it, isn't that 1192 01:02:19.239 --> 01:02:22.559 right Dan, and say look, yeah, we understand, let's do this. 1193 01:02:24.199 --> 01:02:25.599 Yeah, that's that's the names. 1194 01:02:25.599 --> 01:02:28.079 When they're sitting in equity. A lot of times courts 1195 01:02:28.079 --> 01:02:30.920 will just say here's his getting money and here's his 1196 01:02:31.039 --> 01:02:33.440 paying the money. But when they're sitting in equity, it's 1197 01:02:33.480 --> 01:02:37.039 like they have an opportunity to say, well, here's what 1198 01:02:37.320 --> 01:02:37.960 here's what's fair. 1199 01:02:38.519 --> 01:02:41.199 We're gonna do this right so exactly. 1200 01:02:41.800 --> 01:02:46.639 Yeah, so anyway I would do that. I really would, again, 1201 01:02:47.039 --> 01:02:48.840 just to touch base with them. But that's what you're 1202 01:02:48.840 --> 01:02:50.920 gonna need, and I think what you're gonna find is 1203 01:02:51.000 --> 01:02:53.599 Dan's gonna probably have to petition the court to form 1204 01:02:53.679 --> 01:02:56.440 a trust just to put this just to take this over. 1205 01:02:56.960 --> 01:02:59.239 And and it's not gonna you know, it's gonna look 1206 01:02:59.400 --> 01:03:03.280 and you know by the math alone, if the bank's 1207 01:03:03.280 --> 01:03:05.440 paying one and a half percent, that's a low end. 1208 01:03:06.280 --> 01:03:09.679 That would be a fifty thousand dollars CD. Could be 1209 01:03:09.719 --> 01:03:12.199 more than that could be less, but it's gonna it's not. 1210 01:03:12.440 --> 01:03:15.800 It's not Chicken feed not paying you seven hundred from 1211 01:03:15.800 --> 01:03:20.000 a bank CD in a year. So uh A three 1212 01:03:20.119 --> 01:03:24.280 three coe plans is Dan's number eight C eight three 1213 01:03:24.360 --> 01:03:26.119 three co plans. 1214 01:03:26.559 --> 01:03:28.199 The website coplans dot co. 1215 01:03:29.039 --> 01:03:31.199 All right three oh three seven one three talk seven 1216 01:03:31.239 --> 01:03:32.639 one three eight two five five. 1217 01:03:32.679 --> 01:03:35.239 We have more coming right up. And it's important people 1218 01:03:35.239 --> 01:03:36.519 when things like this come up. 1219 01:03:37.440 --> 01:03:39.519 The more you weight, the harder is to deal with. 1220 01:03:40.320 --> 01:03:43.559 That goes with anything. By the way, Denver region, you 1221 01:03:43.599 --> 01:03:46.880 heard Mark talking about their weight loss. They also do 1222 01:03:47.000 --> 01:03:50.039 incredible and I don't want to undersell this because they 1223 01:03:50.079 --> 01:03:53.519 do incredible stem cell therapy. I had stem cell therapy 1224 01:03:53.559 --> 01:03:56.519 done by them and it really got me paying free 1225 01:03:56.920 --> 01:04:06.119 and it works, Uh Denver Region dot com. Go with 1226 01:04:06.199 --> 01:04:09.760 a sure thing Denver's best roofer Excel Roofing dot com. 1227 01:04:09.800 --> 01:04:15.440 You don't pay a cent until you're content. Wait time 1228 01:04:15.480 --> 01:04:18.760 for an insurance checkup free, no obligation. In comparison, call 1229 01:04:18.840 --> 01:04:22.159 Compass insurance paying too much your coverage at dozens of 1230 01:04:22.199 --> 01:04:25.159 insurance companies find out now three oh three seven seven 1231 01:04:25.159 --> 01:04:25.400 to one. 1232 01:04:25.519 --> 01:04:25.760 Help. 1233 01:04:25.960 --> 01:04:28.559 You'll think you're his only customer when you choose Frank 1234 01:04:28.639 --> 01:04:31.079 durand the real estate Man dot com to list your 1235 01:04:31.119 --> 01:04:34.239 home with Remax Alliance three oh three nine two zero 1236 01:04:34.400 --> 01:04:45.559 sixteen twenty two. Hi Tom Martino, you're troubleshooter three O 1237 01:04:45.679 --> 01:04:48.719 three seven one three talk seven one three eight two 1238 01:04:48.800 --> 01:04:54.079 five five. All right, now, Tony, this sounds very interesting 1239 01:04:54.400 --> 01:04:56.880 this topic. Is it a topic or are you gonna 1240 01:04:56.880 --> 01:04:57.760 give us some tips? 1241 01:04:57.800 --> 01:05:01.159 Go ahead, it's a topic. 1242 01:05:02.320 --> 01:05:05.760 I had Paul over the last week, and Paul the 1243 01:05:05.800 --> 01:05:13.840 water man man, and fortunately my basement is unfinished. We 1244 01:05:13.960 --> 01:05:16.960 go downstairs to look at where the unit will get installed, 1245 01:05:17.000 --> 01:05:21.679 which it is installed, up and running. And he looked 1246 01:05:21.719 --> 01:05:25.079 at all my copper pipes and he said, you see this, 1247 01:05:25.199 --> 01:05:28.320 you see this, you see this? And I said yeah, 1248 01:05:28.360 --> 01:05:33.320 and he said, this is caused by acidic water from 1249 01:05:33.360 --> 01:05:34.519 your water supplier. 1250 01:05:35.559 --> 01:05:36.719 And that's right. 1251 01:05:38.079 --> 01:05:40.840 Given time, I'm going to have in whole leaks and 1252 01:05:40.920 --> 01:05:42.480 my copper all over the place. 1253 01:05:43.760 --> 01:05:45.360 That's right, that's right. 1254 01:05:46.599 --> 01:05:47.920 I did not know. 1255 01:05:47.800 --> 01:05:53.559 That copper was anything but permanent. And you know without worry. 1256 01:05:54.880 --> 01:05:57.639 Well, it depends on your water tony. 1257 01:05:59.519 --> 01:06:05.800 Well, aside from installing pecks, ripping out all the copper 1258 01:06:05.880 --> 01:06:12.000 in stalling pecks and contacting my water supply supplier in saying, 1259 01:06:12.039 --> 01:06:14.480 hey man, your waters do acid it. 1260 01:06:15.639 --> 01:06:16.679 What can a guy do? 1261 01:06:17.880 --> 01:06:20.079 Well, you already did it. Did you put in one 1262 01:06:20.119 --> 01:06:23.199 of water pros dot net? Did you put in one 1263 01:06:23.239 --> 01:06:24.159 of their systems? 1264 01:06:25.480 --> 01:06:25.840 I did? 1265 01:06:25.880 --> 01:06:29.079 But he said it won't change the acidity. 1266 01:06:28.559 --> 01:06:29.320 Of the water. 1267 01:06:31.000 --> 01:06:39.800 What so wait a minute, it does make the acidity. Well, 1268 01:06:39.880 --> 01:06:42.880 I know that they attack the pH of your water. 1269 01:06:43.039 --> 01:06:46.559 So let's get Paul on to explain it. Because really 1270 01:06:46.679 --> 01:06:50.719 and truly he's right, there's a certain amount of acidity 1271 01:06:50.800 --> 01:06:55.320 or alkalinity and hardness that can cause pinhole leaks and copper. 1272 01:06:55.519 --> 01:06:56.880 And it happens all the time. 1273 01:06:57.199 --> 01:07:01.000 I mean, that's why we have plumbers. And you're right 1274 01:07:01.079 --> 01:07:04.840 that copper is permanent. But the joints are not permanent. 1275 01:07:05.320 --> 01:07:08.039 They're only as permanent as the water. 1276 01:07:08.079 --> 01:07:10.679 Will help him go ahead. 1277 01:07:10.800 --> 01:07:14.519 These leaks that he showed to me, well they haven't 1278 01:07:14.519 --> 01:07:19.119 happened yet, but one area had like the copper was 1279 01:07:19.440 --> 01:07:22.360 degrading and it was turning into a liquid. I was 1280 01:07:22.400 --> 01:07:24.639 shocked when I thought it. But these are all on 1281 01:07:24.800 --> 01:07:27.639 straight sections of pipe, no joints. 1282 01:07:28.800 --> 01:07:31.440 Well, come on, wait a minute, on a straight section 1283 01:07:31.559 --> 01:07:34.679 of pipe, if it's failing to that degree, it would 1284 01:07:34.719 --> 01:07:40.679 already be leaking. What did you see on this straight 1285 01:07:40.920 --> 01:07:43.079 What did you see on this straight section of pipe? 1286 01:07:43.119 --> 01:07:44.519 What did you actually see? 1287 01:07:45.239 --> 01:07:51.559 I saw this green liquidy thing oozing from mic. 1288 01:07:51.719 --> 01:07:53.679 Well, that's the evaporation of the water. 1289 01:07:54.119 --> 01:07:56.440 That's the evaporation of the water and the minerals in 1290 01:07:56.480 --> 01:07:56.920 the water. 1291 01:07:57.280 --> 01:07:58.840 So let's get Paul out. 1292 01:07:58.880 --> 01:08:00.000 I want him to explain it. 1293 01:08:00.639 --> 01:08:03.400 Hold on a second, Tony, Yeah, I really want to 1294 01:08:03.400 --> 01:08:06.880 get him on and explain it, because you know, obviously 1295 01:08:06.920 --> 01:08:10.679 there we don't have pipes failing all over the place. 1296 01:08:11.000 --> 01:08:12.519 But I want to know what he was talking about. 1297 01:08:12.559 --> 01:08:15.280 I want to make sure he's quoted properly. So, uh, 1298 01:08:15.480 --> 01:08:18.479 sus let's get him on for right after the top 1299 01:08:18.520 --> 01:08:22.479 of the show. Let's do that right now. I have 1300 01:08:22.600 --> 01:08:25.119 a let's go to the studio here. I got a 1301 01:08:25.239 --> 01:08:31.359 question for Joe Piano on the on the annuity fixed 1302 01:08:31.399 --> 01:08:33.600 index nuity. They want to know what do they mean 1303 01:08:33.640 --> 01:08:36.680 by indexed fixed indexed annuity? 1304 01:08:37.119 --> 01:08:40.319 Okay, Tom, if follow us in, the annuity will follow 1305 01:08:40.399 --> 01:08:43.760 an external index like the S and P five hundred, 1306 01:08:44.239 --> 01:08:48.760 the Dow Jones, the Morgan Stanley index, and whenever those 1307 01:08:48.760 --> 01:08:53.159 indexes grow, the customer will get a percentage of that. 1308 01:08:53.319 --> 01:08:53.520 Girl. 1309 01:08:53.840 --> 01:08:58.600 But when the when they markets go down, they stay leveled. 1310 01:08:58.640 --> 01:09:01.199 They don't lose what they put in. They don't loose 1311 01:09:01.279 --> 01:09:04.279 their games, and they don't loose their bonus. Just the 1312 01:09:04.319 --> 01:09:05.239 best of both worlds. 1313 01:09:05.279 --> 01:09:07.800 So you get the benefit of all the rising but 1314 01:09:07.920 --> 01:09:10.079 not the disadvantages of the dips. 1315 01:09:10.279 --> 01:09:14.039 Absolutely, and this is really what people need in today's economy, 1316 01:09:15.319 --> 01:09:15.600 all right. 1317 01:09:15.680 --> 01:09:22.920 To find out more my money, my way dot com, 1318 01:09:23.000 --> 01:09:26.239 go with a sure thing Denver's best roofer Excel roofing 1319 01:09:26.359 --> 01:09:26.920 dot com. 1320 01:09:26.960 --> 01:09:32.439 You don't pay a cent until you're contenth. 1321 01:09:32.359 --> 01:09:35.560 Time for an insurance checkup free, no obligation. In comparison, 1322 01:09:35.680 --> 01:09:39.239 call compass insurance paying too much your coverage at dozens 1323 01:09:39.239 --> 01:09:42.000 of insurance companies find out now three oh three seven 1324 01:09:42.000 --> 01:09:44.359 to seven to one help. You'll think you're his only 1325 01:09:44.439 --> 01:09:46.880 customer when you choose Frank durand the real estate Man 1326 01:09:46.960 --> 01:09:50.359 dot com to list your home with Remax Alliance three 1327 01:09:50.399 --> 01:09:53.279 oh three nine two zero sixteen twenty two. 1328 01:10:00.119 --> 01:10:03.520 That news who you don't have. 1329 01:10:05.680 --> 01:10:10.359 Come running just as fast as we can. Shooter's gonna 1330 01:10:10.439 --> 01:10:12.119 help coming man. 1331 01:10:12.840 --> 01:10:14.960 This is the Troubleshooter Show. 1332 01:10:15.640 --> 01:10:20.000 No Tom Martine, Hello Tom Martino, here fighting for you, 1333 01:10:20.199 --> 01:10:22.760 fighting with you. Sometimes if you're an idiot, well, we 1334 01:10:22.800 --> 01:10:24.760 don't have a lot of idiots that call people call 1335 01:10:24.840 --> 01:10:27.039 for help or not idiots. The only idiots we have 1336 01:10:27.119 --> 01:10:29.279 are people that try to rip people off, and we've 1337 01:10:29.319 --> 01:10:31.520 battled them through the years. You want to know who 1338 01:10:31.560 --> 01:10:34.399 they are. There's an easy way to find out. You 1339 01:10:34.439 --> 01:10:37.960 go to Sleeze Brigade dot com. We love Sleeze Brigade 1340 01:10:38.159 --> 01:10:42.319 dot com. S l e a Ze Sleeze Brigade dot com. Now, 1341 01:10:42.720 --> 01:10:45.600 we have some issues here we want to talk about. 1342 01:10:45.640 --> 01:10:49.000 We're gonna get We're gonna get Paul the Waterman on. 1343 01:10:50.039 --> 01:10:53.159 But we were talking about pinhole leaks and copper pipes, 1344 01:10:53.880 --> 01:10:56.479 and Tony said that Paul was at his house and 1345 01:10:56.520 --> 01:11:02.239 saw the softening system and a purification system, and Paul 1346 01:11:02.359 --> 01:11:05.640 was saying that certain conditions of the water will cause 1347 01:11:05.720 --> 01:11:08.479 pipes to spring leaks over the years. We want to 1348 01:11:08.520 --> 01:11:13.079 clarify that because I've never heard of pipes just springing 1349 01:11:13.199 --> 01:11:14.680 leak in the middle of a pipe run. 1350 01:11:15.039 --> 01:11:15.720 I've heard of the. 1351 01:11:15.760 --> 01:11:19.159 Joints giving out or the joints springing leaks. So we 1352 01:11:19.239 --> 01:11:22.319 want to get clarification on that. But Joe called in 1353 01:11:22.359 --> 01:11:25.319 with a comment while we're waiting for Paul. Joe, what 1354 01:11:25.439 --> 01:11:26.319 is your comment on that? 1355 01:11:27.760 --> 01:11:29.720 Yeah, Tom, My name is Joe, and I have high 1356 01:11:29.800 --> 01:11:32.960 planes water solutions down here in the car out of Springs. 1357 01:11:32.600 --> 01:11:36.600 Area in East Yeah. I do a ton of work 1358 01:11:36.880 --> 01:11:38.920 in black Forest and. 1359 01:11:39.439 --> 01:11:41.199 Mostly And what do you mean? So, what do you 1360 01:11:41.199 --> 01:11:42.600 mean a ton of work? What do you do in 1361 01:11:42.640 --> 01:11:43.239 Black Forest? 1362 01:11:43.239 --> 01:11:43.720 What do you do? 1363 01:11:43.720 --> 01:11:44.880 Do you install systems? 1364 01:11:45.720 --> 01:11:49.039 I install systems, Yes, And I just came off of 1365 01:11:49.079 --> 01:11:53.920 the service call where the water is a city and 1366 01:11:54.239 --> 01:11:56.880 we test the way whenever we go to a job, 1367 01:11:56.960 --> 01:11:59.119 we test for hardness, iron sulfur. 1368 01:12:00.640 --> 01:12:00.800 Yeh. 1369 01:12:01.239 --> 01:12:03.479 And anytime anytime your pH. 1370 01:12:03.239 --> 01:12:07.000 Level is below seven and your waters is city, you've 1371 01:12:07.000 --> 01:12:11.279 got to raise that pH in the water because it 1372 01:12:11.399 --> 01:12:14.279 causes pinhole lakes and copper pipe people. 1373 01:12:14.439 --> 01:12:17.560 Well, okay, now hold on, let me ask you something, Joe. 1374 01:12:17.560 --> 01:12:20.159 Since you're somewhat of an expert, you have to raise 1375 01:12:20.199 --> 01:12:23.920 the pH. But when those holes develop, are they usually 1376 01:12:23.920 --> 01:12:24.720 at the joints? 1377 01:12:25.000 --> 01:12:26.640 Or can they do midstream? 1378 01:12:27.760 --> 01:12:31.720 They can be in both. I've had I've had one 1379 01:12:31.800 --> 01:12:34.680 system in a new home that the home was five 1380 01:12:34.760 --> 01:12:35.319 years old. 1381 01:12:35.800 --> 01:12:39.239 It was totally plumbed in pecks, but there were the 1382 01:12:39.399 --> 01:12:44.159 brass elbows and ts. And this was in a doctor's 1383 01:12:44.199 --> 01:12:47.960 home down here in Black Forest, and he had three 1384 01:12:48.039 --> 01:12:52.039 leaks and they were all in the brass fittings and 1385 01:12:53.319 --> 01:12:56.039 did thousands of dollars worth of damage each time. 1386 01:12:56.720 --> 01:13:00.319 And he sent a sample into the state test it 1387 01:13:00.680 --> 01:13:02.159 and it came back as a city. 1388 01:13:02.920 --> 01:13:06.800 So he called, okay, so tell me this. Then, this 1389 01:13:06.880 --> 01:13:10.079 is what I want to know. What can you do 1390 01:13:10.159 --> 01:13:13.359 then to prevent it? You were about to say something 1391 01:13:14.680 --> 01:13:17.399 to raise How do you do the pH? 1392 01:13:17.760 --> 01:13:19.760 You run it through calcite. 1393 01:13:19.840 --> 01:13:22.279 So you put in a tank that looks just like 1394 01:13:22.279 --> 01:13:24.720 a water softening tank, but it's a ten to fifty 1395 01:13:24.760 --> 01:13:27.920 four tank is what we always put in. Tenage's diameter 1396 01:13:28.000 --> 01:13:31.239 fifty four tall, and it doesn't backwash or anything. 1397 01:13:31.319 --> 01:13:32.640 We just we just. 1398 01:13:32.800 --> 01:13:37.319 Upflow the water through that calcite and corro sex, which 1399 01:13:37.399 --> 01:13:43.720 is another neutralizer mineral. And when the water comes through 1400 01:13:43.760 --> 01:13:47.680 the system and out, it's always at seven or above. 1401 01:13:48.760 --> 01:13:53.199 And you have no issues with leaks and copper pipe, then. 1402 01:13:53.600 --> 01:13:59.359 None, Tony, Tony, I want to bring up Tony with you, Joe, 1403 01:13:59.560 --> 01:14:06.640 I verify, so Tony, Tony, Yeah. 1404 01:14:05.239 --> 01:14:07.439 Did you just hear about one of those solutions? 1405 01:14:08.920 --> 01:14:11.760 Yeah? I uh I did. Yes. 1406 01:14:13.640 --> 01:14:18.079 What is the system called, Joe? Pardon Joe, what is 1407 01:14:18.079 --> 01:14:19.039 the system called? 1408 01:14:20.800 --> 01:14:25.439 It's just a neutralizer tank. It's not it's not a 1409 01:14:25.479 --> 01:14:26.479 brand name on. 1410 01:14:26.399 --> 01:14:26.960 It at all. 1411 01:14:27.199 --> 01:14:31.199 I'm a dealer with Aqua Systems. I know Paul. Paul 1412 01:14:31.239 --> 01:14:33.600 knows me. Paul has dealt. 1413 01:14:33.359 --> 01:14:36.920 With the fella that I bought my company from. And 1414 01:14:37.159 --> 01:14:41.439 my company's thirty one years old now, and so Paul 1415 01:14:41.720 --> 01:14:43.960 I've never met Paul face to face. We actually just 1416 01:14:44.000 --> 01:14:47.560 talked on the phone a couple weeks ago. But anyway, 1417 01:14:48.800 --> 01:14:52.560 I've got hundreds of customers, but just calcite tanks in 1418 01:14:52.720 --> 01:14:54.039 that we upflow the water. 1419 01:14:54.119 --> 01:14:56.479 Now, how did you find out? And are you saying 1420 01:14:56.640 --> 01:15:00.800 calcite like in calcium calcium. 1421 01:15:00.880 --> 01:15:03.840 It's it's a ground up limestone, is what it is. 1422 01:15:05.079 --> 01:15:08.319 Hey, Joe, how'd you find out about this? How did 1423 01:15:08.319 --> 01:15:09.760 you find out about this? Joe? 1424 01:15:09.800 --> 01:15:14.760 To begin with this calcite, everybody that I've ever talked 1425 01:15:14.760 --> 01:15:16.720 to that ten Water treatment knows that. 1426 01:15:16.840 --> 01:15:20.079 And Shane, the fellow that I bought the business from, 1427 01:15:20.399 --> 01:15:23.199 Shane had been putting calcite in for years. 1428 01:15:23.560 --> 01:15:26.359 I've got I've got is there? 1429 01:15:26.600 --> 01:15:29.199 Do you have to change? Do you have to change 1430 01:15:29.199 --> 01:15:30.880 anything out? Or is it permanent? 1431 01:15:32.920 --> 01:15:36.079 After about seven years, when we have that call site 1432 01:15:36.119 --> 01:15:39.680 in that tank, you can see the cal site in there, 1433 01:15:40.039 --> 01:15:42.479 and over a period of time, which is a year, 1434 01:15:42.600 --> 01:15:45.800 anywhere from a year to three years, that calsite will 1435 01:15:45.840 --> 01:15:49.239 drop down about ten inches. And so you can see 1436 01:15:49.239 --> 01:15:50.479 that in that tank. 1437 01:15:51.000 --> 01:15:53.720 We put a full mark and an ad mark. When 1438 01:15:53.720 --> 01:15:55.960 it gets to the ad mark, the customer calls us. 1439 01:15:56.399 --> 01:15:59.600 That's where I just came from. Customer call means that Joe, 1440 01:15:59.640 --> 01:16:03.000 I need or calcite. I went over there, pop top off, 1441 01:16:03.279 --> 01:16:07.119 dumped the little calcide in, rinsed it real good, and 1442 01:16:07.319 --> 01:16:08.560 put it back in service. 1443 01:16:08.640 --> 01:16:13.039 And this will and this will prevent Joe you're telling 1444 01:16:13.079 --> 01:16:18.359 me this will prevent the pinhole leaks. It'll what does 1445 01:16:18.399 --> 01:16:21.319 it do to the to the p so does it 1446 01:16:21.399 --> 01:16:23.720 neutralize the water or does it make it one way 1447 01:16:23.800 --> 01:16:24.279 or another? 1448 01:16:25.359 --> 01:16:29.439 It neutralizes it, And actually we'll bring it up into 1449 01:16:29.479 --> 01:16:33.119 the alkalin side a little bit. It'll be from seven 1450 01:16:33.520 --> 01:16:34.680 some of it some water. 1451 01:16:34.760 --> 01:16:38.920 When I first put in a fresh system and we 1452 01:16:39.039 --> 01:16:42.319 turn on the water and retest it, that pH level 1453 01:16:42.319 --> 01:16:45.239 could even be up around eight. But it's making it 1454 01:16:45.359 --> 01:16:48.399 more towards the smart water. That's what your smart water is, 1455 01:16:48.399 --> 01:16:53.239 is iph. 1456 01:16:50.920 --> 01:16:54.359 Well, you alkaline is not bad for you. 1457 01:16:54.399 --> 01:16:57.079 No, not at all. It's good for you. 1458 01:16:57.319 --> 01:17:02.800 Can't yeah, alk line water, right, Alkaline water is good 1459 01:17:02.880 --> 01:17:03.119 for you. 1460 01:17:04.119 --> 01:17:06.760 So, Tony, I mean, Joe, thank you, Tony. 1461 01:17:07.039 --> 01:17:09.920 Look into the calcite and I'm going to ask Paul 1462 01:17:09.920 --> 01:17:11.880 the water man. If we get him on I hope 1463 01:17:11.920 --> 01:17:15.439 he'll call. Well, we'll talk to him about how to 1464 01:17:15.479 --> 01:17:18.479 prevent and if he does calcite, I've never heard him 1465 01:17:18.479 --> 01:17:21.159 really talk about it, but it sounds pretty cool if 1466 01:17:21.159 --> 01:17:22.159 you have that kind of water. 1467 01:17:23.319 --> 01:17:25.159 So thank you. Three h three seven. 1468 01:17:26.119 --> 01:17:30.880 Yeah, So I just had a tank put in by Paul. 1469 01:17:31.560 --> 01:17:33.960 Is he saying this is a separate tank or you 1470 01:17:34.079 --> 01:17:37.000 just add the cow site to the tank that was installed. 1471 01:17:38.199 --> 01:17:39.640 No, it's a separate system. 1472 01:17:41.079 --> 01:17:46.880 Great, okay, yeah, but it sounds it actually sounds cost effective. 1473 01:17:47.199 --> 01:17:49.399 You only have to deal with it every seven years 1474 01:17:49.760 --> 01:17:52.720 or occasionally add calcite to it, is what he's saying. 1475 01:17:54.439 --> 01:17:58.279 Yeah, so I will you know when you talk to 1476 01:17:59.279 --> 01:18:02.279 Paul if he offers these systems. 1477 01:18:02.640 --> 01:18:04.800 Now, I'm going to That's what I'm gonna ask him, 1478 01:18:04.840 --> 01:18:08.640 because I mean, this is pretty logical. If you're if 1479 01:18:08.680 --> 01:18:11.760 you're in water treatment, you're gonna want to offer something 1480 01:18:12.000 --> 01:18:14.920 or maybe he does offer something different. That's what we're 1481 01:18:14.920 --> 01:18:17.600 gonna get him on about as soon as he's available. 1482 01:18:17.600 --> 01:18:20.239 Three oh three seven one three eight two five five. 1483 01:18:20.279 --> 01:18:22.800 We have more coming up on the Troubleshooter Show. Listen 1484 01:18:22.920 --> 01:18:26.479 eight eight eight Heating dot Com. Remember high efficiency units 1485 01:18:26.680 --> 01:18:30.600 at discount prices. The best price for high efficiency heating 1486 01:18:30.640 --> 01:18:33.960 and air hybrid systems, and if you're doing a solar system, 1487 01:18:34.000 --> 01:18:35.640 you can add it to the price and get tax 1488 01:18:35.680 --> 01:18:38.600 deductions on that. 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You'll think you're his only 1497 01:19:09.039 --> 01:19:11.520 customer when you choose Frank durand the real estate Man 1498 01:19:11.560 --> 01:19:15.000 dot com to list your home with Remax Alliance three 1499 01:19:15.000 --> 01:19:21.720 oh three nine two zero sixteen twenty two. 1500 01:19:22.560 --> 01:19:24.640 Hi Tom Martina here, Welcome to the show. 1501 01:19:25.239 --> 01:19:27.640 Three O three seven to one three talk seven one 1502 01:19:27.680 --> 01:19:31.079 three eight two five five. So let's go to the 1503 01:19:31.119 --> 01:19:34.239 phones and solve problems, answer questions, take complaints as we 1504 01:19:34.800 --> 01:19:38.159 like doing every day. Randy has a problem with a 1505 01:19:38.159 --> 01:19:43.079 car dealership at twenty twenty two Hunday. What's happening, Randy? 1506 01:19:43.159 --> 01:19:45.840 Hey, how's it going? Tom? 1507 01:19:46.239 --> 01:19:47.039 What's happening? 1508 01:19:49.239 --> 01:19:49.439 Yes? 1509 01:19:49.520 --> 01:19:53.319 I can, okay, I can hear you find Randy. 1510 01:19:54.439 --> 01:19:58.520 My coworker has a twenty twenty two hondy twoson and 1511 01:19:58.560 --> 01:20:01.960 it has thirteen thousand min miles. The other day she 1512 01:20:02.039 --> 01:20:04.720 was driving to work and two of her injectors failed. 1513 01:20:05.239 --> 01:20:11.840 Had it towed the pine Unday, and they said that unfortunately, nationwide, 1514 01:20:11.920 --> 01:20:18.920 the injectors are at least six months out and they 1515 01:20:19.159 --> 01:20:28.199 won't give her a loaner car. I'm not sure what 1516 01:20:28.239 --> 01:20:28.479 to do. 1517 01:20:28.840 --> 01:20:32.560 Go ahead there, Grandy, the car is her car still 1518 01:20:32.640 --> 01:20:33.840 under factory warranty? 1519 01:20:34.800 --> 01:20:41.880 Yes, okay, listen, So how many injectors are bad? 1520 01:20:43.800 --> 01:20:46.439 You said two injectors went out and. 1521 01:20:47.399 --> 01:20:48.359 How many miles? 1522 01:20:49.319 --> 01:20:50.720 Thirteen thousand? 1523 01:20:51.720 --> 01:20:56.359 Oh that's crazy. They won't give her a loaner sues. 1524 01:20:57.319 --> 01:20:59.319 Have you guys ever had trouble with injectors. 1525 01:21:00.119 --> 01:21:03.199 I'm not, but it's just at six months out, it's 1526 01:21:03.239 --> 01:21:04.039 not drivable. 1527 01:21:04.079 --> 01:21:06.560 It sounds like, and she doesn't get a loaner. Something 1528 01:21:06.600 --> 01:21:07.479 doesn't make sense. 1529 01:21:10.640 --> 01:21:13.319 So, Randy, I know that we've had calls like this 1530 01:21:13.359 --> 01:21:16.960 before about similar issues where the dealer can't get parts. 1531 01:21:17.720 --> 01:21:19.359 So I'm sure they're not making that up. 1532 01:21:19.560 --> 01:21:24.600 But if your friend calls Hyundai, if your friend actually 1533 01:21:24.640 --> 01:21:28.479 calls the manufacturer, they they may be. 1534 01:21:28.439 --> 01:21:29.640 Able to provide her with a loaner. 1535 01:21:29.840 --> 01:21:32.760 I've personally worked the case like this with a different manufacturers, 1536 01:21:32.840 --> 01:21:36.039 General Motors, that provided a loaner to her even though 1537 01:21:36.079 --> 01:21:37.680 the dealer didn't have any available. 1538 01:21:38.760 --> 01:21:42.880 Okay, so they say replacement parts are two months out. 1539 01:21:43.720 --> 01:21:45.479 Six six months? 1540 01:21:45.479 --> 01:21:48.560 He said six two. 1541 01:21:47.880 --> 01:21:54.560 Six months, So so wait three to six months. Call 1542 01:21:54.680 --> 01:21:57.840 Kevin up. I bet Kevin can get in Jeffers after market. 1543 01:21:59.199 --> 01:22:01.279 Yeah, but if I can do anything for the warranty. 1544 01:22:01.560 --> 01:22:06.800 No, how do you know, Mark, Well, because I mean 1545 01:22:06.840 --> 01:22:09.600 the warranty, sure as hell's not going to cover after 1546 01:22:09.720 --> 01:22:10.520 market parts. 1547 01:22:11.119 --> 01:22:13.159 If anything, it might avoid the rest of you. No, 1548 01:22:13.359 --> 01:22:13.840 what do you mean? 1549 01:22:14.159 --> 01:22:17.000 No, what he means is Mark, What he means is 1550 01:22:17.039 --> 01:22:19.960 will it will avoid his factory warranty, the balance of 1551 01:22:20.000 --> 01:22:21.800 it if he puts other injectors in. 1552 01:22:21.880 --> 01:22:26.119 Let's let's ask Kevin and not only that if yeah, 1553 01:22:26.159 --> 01:22:27.079 let's get Kevin on. 1554 01:22:27.279 --> 01:22:30.920 If it happens again, you know, and it doesn't avoid 1555 01:22:30.920 --> 01:22:33.279 the warranty, but avoids the warranty just for the injectors. 1556 01:22:33.279 --> 01:22:34.399 But it happens again, how. 1557 01:22:34.319 --> 01:22:38.359 Many how many miles are on it? Yeah, that sucks. 1558 01:22:41.600 --> 01:22:44.800 Well, Kevin's warranty will be a year on his aftermarket 1559 01:22:44.840 --> 01:22:47.600 injectors if he can get them. 1560 01:22:47.760 --> 01:22:50.880 Okay, Well, let's try to find out what Kevin would. 1561 01:22:50.760 --> 01:22:55.079 Say, saying, if they're not in, it's gonna avoid her warranty. 1562 01:22:57.600 --> 01:22:59.720 Well, how about you do it and not tell him. 1563 01:23:00.479 --> 01:23:04.399 How how would they know if you switched out your 1564 01:23:04.800 --> 01:23:07.319 and I'm serious, if you switched it out, how will 1565 01:23:07.319 --> 01:23:07.600 they know? 1566 01:23:08.920 --> 01:23:10.920 Oh if they if it happens again, they take it 1567 01:23:10.960 --> 01:23:12.920 back to the dealership, they pull out an injector and 1568 01:23:12.960 --> 01:23:14.039 it doesn't say Hunday on it. 1569 01:23:16.640 --> 01:23:19.079 Yeah they when would they do? They know that? Seriously? 1570 01:23:21.199 --> 01:23:22.359 But would they really? 1571 01:23:23.319 --> 01:23:26.680 I mean he's saying, he's saying, if the injectors failed 1572 01:23:27.359 --> 01:23:29.880 and he was still under warranty, they would know they're 1573 01:23:29.920 --> 01:23:31.319 not factory injectors. 1574 01:23:33.479 --> 01:23:36.880 No, I'm not talking about those injectors. I'm talking about 1575 01:23:37.000 --> 01:23:40.359 any warranty issue on that car. If it's the other 1576 01:23:40.439 --> 01:23:44.520 injector that fails, the non the Hyundai one, they would 1577 01:23:44.560 --> 01:23:46.840 pull it out and it would say Hyundai. And if 1578 01:23:47.159 --> 01:23:49.560 the if a timing goes out or something else, how 1579 01:23:49.560 --> 01:23:52.720 would they know he did anything by replacing injectors? How 1580 01:23:52.720 --> 01:23:55.880 would anyone ever know unless that injector went out. And 1581 01:23:55.920 --> 01:23:57.479 if that injector went out. 1582 01:23:57.479 --> 01:23:59.880 Fine, you don't want them to fix it because you've 1583 01:24:00.000 --> 01:24:02.279 put it in there to begin with. I don't even 1584 01:24:02.359 --> 01:24:04.720 understand the Probably how would anyone know that? 1585 01:24:05.079 --> 01:24:05.560 Honestly? 1586 01:24:05.600 --> 01:24:08.960 It would probably just void the coverage on the injectors. 1587 01:24:09.079 --> 01:24:12.560 Not probably nothing else unless if it was some you know, 1588 01:24:12.680 --> 01:24:14.159 improper part. 1589 01:24:16.359 --> 01:24:19.680 Now, if let's say the engine blue and they say, 1590 01:24:19.720 --> 01:24:24.399 wait a minute, here, you had two non factory injectors 1591 01:24:24.439 --> 01:24:26.800 in this engine. But if that's not the reason the 1592 01:24:26.800 --> 01:24:29.000 engine blue, I think they'd have a hell of a 1593 01:24:29.079 --> 01:24:30.760 time trying to pick a reason. 1594 01:24:30.840 --> 01:24:32.640 Yeah, And I don't think they would try to pick 1595 01:24:32.680 --> 01:24:35.800 a reason because I don't think that would create any issue. 1596 01:24:37.720 --> 01:24:40.479 Okay, gentlemen. 1597 01:24:40.520 --> 01:24:44.319 I think one of Randy's concerns is that if if 1598 01:24:44.319 --> 01:24:48.319 he engages Kevin's Services to replace the two broken injectors, 1599 01:24:48.720 --> 01:24:50.119 that's not covered by warranties. 1600 01:24:51.199 --> 01:24:52.439 So what I mean, Yeah. 1601 01:24:52.520 --> 01:24:54.880 So if she wants to use she may have to 1602 01:24:54.880 --> 01:24:55.640 pay for this repair. 1603 01:24:55.840 --> 01:24:56.680 Yeah yeah, yeah. 1604 01:24:56.720 --> 01:24:59.159 So it's better to pay for that repair and get 1605 01:24:59.199 --> 01:25:02.000 it done than and it is to have a loaner 1606 01:25:02.079 --> 01:25:03.000 car you're paying for. 1607 01:25:03.560 --> 01:25:05.960 Well, she's not able to get a loan car at 1608 01:25:05.960 --> 01:25:06.479 this point. 1609 01:25:06.960 --> 01:25:09.479 No, No, I'm talking about one she pays for. It's 1610 01:25:09.479 --> 01:25:10.880 not that she can't get a loaner car. 1611 01:25:11.079 --> 01:25:13.520 She can go to Enterprise Leasing and get a replacement 1612 01:25:13.560 --> 01:25:14.600 car tomorrow. 1613 01:25:14.199 --> 01:25:16.760 A rental car. Randy wants a free loaner. 1614 01:25:16.560 --> 01:25:18.760 Well, Okay, here's what I'm saying. You're not going to 1615 01:25:18.800 --> 01:25:19.560 get a free loaner. 1616 01:25:19.800 --> 01:25:20.319 So in the. 1617 01:25:20.319 --> 01:25:22.039 Absence of it, no one's going to give you a 1618 01:25:22.079 --> 01:25:24.720 six month loaner, except in very rare conditions. 1619 01:25:24.960 --> 01:25:26.079 But here's what I'm thinking. 1620 01:25:26.319 --> 01:25:28.159 If you can't get a loaner and you're going to 1621 01:25:28.199 --> 01:25:30.680 pay for a rental, it's cheaper to pay for the repair. 1622 01:25:31.319 --> 01:25:33.760 Agreed, Absolutely, and I. 1623 01:25:33.680 --> 01:25:34.399 Agree with all of that. 1624 01:25:34.680 --> 01:25:37.399 How much Let's ask, well, let's get Kevin on. I 1625 01:25:37.439 --> 01:25:40.680 want to ask Kevin what it will cost to fix that. 1626 01:25:40.680 --> 01:25:42.600 That's what I want to do. Jeff's got a comment 1627 01:25:42.640 --> 01:25:46.279 on this, Jeff, go ahead. What do you have to say? 1628 01:25:46.760 --> 01:25:47.039 Tom? 1629 01:25:47.079 --> 01:25:49.239 I think it's a brand new car. That's definitely your 1630 01:25:49.359 --> 01:25:50.159 Lemon law issue. 1631 01:25:50.199 --> 01:25:53.880 There, we had the same, No, it isn't it's a 1632 01:25:53.960 --> 01:25:54.840 twenty twenty two. 1633 01:25:56.079 --> 01:25:56.920 I missed that cart. 1634 01:25:57.039 --> 01:25:59.840 No, but you're right, that would be a Lemon law. 1635 01:26:00.039 --> 01:26:02.520 You're right if she lost use of that car for 1636 01:26:02.560 --> 01:26:04.239 more than thirty days, it would. 1637 01:26:04.039 --> 01:26:05.159 Be thirty days. 1638 01:26:05.760 --> 01:26:06.359 Absolutely. 1639 01:26:08.399 --> 01:26:10.720 Yeah, but this is a twenty two, so it doesn't apply. 1640 01:26:11.079 --> 01:26:15.199 It's only in the first year of ownership. So but 1641 01:26:15.319 --> 01:26:16.079 thanks for trying. 1642 01:26:16.319 --> 01:26:17.000 Well, what we'll do. 1643 01:26:17.600 --> 01:26:21.720 Let's talk to Kevin get Kevin Calkin on Sheridan autotech 1644 01:26:22.159 --> 01:26:26.359 dot com and we'll see what he has to say 1645 01:26:26.359 --> 01:26:29.960 about an aftermarket injector, about what they will cost for two. 1646 01:26:29.760 --> 01:26:34.159 Of them, and then you know about how much I 1647 01:26:34.239 --> 01:26:37.880 think you and this spoke. It's two years twenty four thousand. Now, 1648 01:26:37.920 --> 01:26:38.880 remember it changed? 1649 01:26:41.159 --> 01:26:44.439 Oh is it marked? Okay? Hell, he's still out of warranty. Yes, 1650 01:26:45.840 --> 01:26:51.159 even oh, because it's three years. Yeah, it's three years. 1651 01:26:51.279 --> 01:26:53.399 It's not one or the other. It's got to meet both. 1652 01:26:53.520 --> 01:26:54.399 Whatever is first? 1653 01:26:54.560 --> 01:26:54.960 Bang it. 1654 01:26:56.439 --> 01:26:56.720 Mark? 1655 01:26:57.079 --> 01:27:00.000 You're talking about the new lemon law. Yeah, it's probably 1656 01:27:00.640 --> 01:27:03.600 I bet a year and a half old now, but 1657 01:27:03.640 --> 01:27:06.319 it's to tell me about the limit. Well, it's basically 1658 01:27:06.359 --> 01:27:09.039 the same thing, but it's two years twenty four thousand 1659 01:27:09.399 --> 01:27:11.840 instead of one year to thousand. 1660 01:27:12.600 --> 01:27:15.039 The risk of it, I believe, is all the exact same. 1661 01:27:15.119 --> 01:27:17.600 You know, you can't have use of the vehicle for 1662 01:27:17.840 --> 01:27:20.800 thirty I don't even think it's consecutive. 1663 01:27:20.880 --> 01:27:23.159 I think it's thirty. Uh what's the word? 1664 01:27:25.720 --> 01:27:27.680 Thirty days with out of service don't have to be 1665 01:27:27.800 --> 01:27:33.119 con used. It's just no cumulative cumulative, it's cumulative. 1666 01:27:33.239 --> 01:27:36.920 Yes, yeah, okay, So we have more coming up on 1667 01:27:36.960 --> 01:27:40.359 the Troubleshooter Show. Frank Duran, the real estate Man dot com. 1668 01:27:40.680 --> 01:27:42.720 He'll do a market evaluation of your home to see 1669 01:27:42.720 --> 01:27:44.880 what it will sell for. You know, prices are all 1670 01:27:44.920 --> 01:27:47.279 all over the place, but Frank has a handle on 1671 01:27:47.359 --> 01:27:51.800 the neighborhoods, the houses, the comps, the conditions. Call him 1672 01:27:51.800 --> 01:27:54.920 for a free analysis with no obligation. He's a great 1673 01:27:54.960 --> 01:27:57.880 person with a lot of knowledge, and I've represented him 1674 01:27:57.920 --> 01:28:01.319 for nearly probably thirty years now. Frank Durand the real 1675 01:28:01.399 --> 01:28:05.760 Estateman dot com three oh three nine two zero sixteen 1676 01:28:05.840 --> 01:28:15.279 twenty two. Go with a sure thing Denver's best roofer 1677 01:28:15.399 --> 01:28:16.920 Excel Roofing dot com. 1678 01:28:16.920 --> 01:28:18.960 You don't pay a cent until you're content. 1679 01:28:22.319 --> 01:28:25.520 Time for an insurance check up, free, no obligation comparison 1680 01:28:25.640 --> 01:28:29.199 call Compass Insurance paying too much your coverage at dozens 1681 01:28:29.239 --> 01:28:31.960 of insurance companies find out now three oh three seven 1682 01:28:31.960 --> 01:28:34.319 to seven to one help. You'll think you're his only 1683 01:28:34.399 --> 01:28:37.159 customer when you choose Frank Durand the real Estateman dot 1684 01:28:37.199 --> 01:28:40.479 com to list your home with Remax Alliance three oh 1685 01:28:40.560 --> 01:28:48.000 three nine two zero sixteen twenty two. Tom Martino Here 1686 01:28:49.479 --> 01:28:51.640 three oh three seven to one three talks seven one three, 1687 01:28:51.680 --> 01:28:54.279 two five five. So we're waiting on Kevin Calkin to 1688 01:28:54.319 --> 01:28:57.279 talk about that car unto warranty. But nationwide this is 1689 01:28:57.319 --> 01:29:02.640 a problem. There's a back order on parts. Now, what 1690 01:29:02.840 --> 01:29:07.680 really puzzles me is why this is happening. I suspect 1691 01:29:07.840 --> 01:29:10.239 it has to do with COVID. I don't mean that 1692 01:29:10.640 --> 01:29:14.600 COVID is responsible now directly, but here's what they found 1693 01:29:14.680 --> 01:29:18.640 out that when COVID happened and some of the factories 1694 01:29:18.640 --> 01:29:22.840 shut down or slowed down, people were willing to wait. 1695 01:29:23.600 --> 01:29:27.800 And these companies realized that by not inventorying all of 1696 01:29:27.840 --> 01:29:30.920 these parts, they're making more off the bottom line because 1697 01:29:30.920 --> 01:29:33.520 that's money tied up for a certain length of time. 1698 01:29:34.119 --> 01:29:39.000 So instead of inventorying a lot of spare parts, they're 1699 01:29:39.000 --> 01:29:46.560 doing more production runs on limited basis, and so you 1700 01:29:46.680 --> 01:29:50.119 just put your order in and you wait for the 1701 01:29:50.159 --> 01:29:51.199 next production run. 1702 01:29:51.600 --> 01:29:54.079 By the way, that's happening with a lot of things. Hey, 1703 01:29:54.199 --> 01:29:57.279 for example, I need it in Hondi. By the way, 1704 01:29:57.039 --> 01:30:01.359 they will only give you ten days of coverage as 1705 01:30:01.439 --> 01:30:06.039 part of their warranty on the rental. Yeah, now that 1706 01:30:06.119 --> 01:30:10.439 used to be the world. I mean that's all you needed, right. 1707 01:30:09.720 --> 01:30:13.479 So here's the deal when it comes to like even 1708 01:30:13.520 --> 01:30:18.079 batteries and stuff. I needed a battery for a vehicle, 1709 01:30:19.319 --> 01:30:24.359 and this battery I had to wait for a production run, 1710 01:30:24.720 --> 01:30:27.199 and they said the production run will be in three months, 1711 01:30:27.600 --> 01:30:28.960 and then we put you on a list and we 1712 01:30:28.960 --> 01:30:32.840 ship from there. So I was like number two hundred 1713 01:30:33.399 --> 01:30:37.159 after sixty days, and they would do a production run 1714 01:30:37.159 --> 01:30:39.840 of a few thousands. That'd be okay, but they literally 1715 01:30:39.880 --> 01:30:42.800 did production runs. Your name would be in a hopper 1716 01:30:43.199 --> 01:30:45.800 and you'd be put on a list. Of course, so 1717 01:30:45.880 --> 01:30:48.439 your dealer had to call in or a distributor had 1718 01:30:48.439 --> 01:30:49.800 to call it into the factory. 1719 01:30:50.039 --> 01:30:53.760 The factory puts out a list. So that's how things 1720 01:30:53.760 --> 01:30:54.520 have become now. 1721 01:30:54.960 --> 01:30:58.039 Now it's saving a ton of money on the manufacturer 1722 01:30:58.159 --> 01:31:03.920 side because they don't have stuff sitting there, and when 1723 01:31:04.000 --> 01:31:08.479 something sits there, whether it's inventory or money or whatever, 1724 01:31:08.760 --> 01:31:14.600 it's costing you because it's not working for you. Randy, 1725 01:31:14.600 --> 01:31:17.479 we're told Kevin Colkin is tied up right now. Do 1726 01:31:17.520 --> 01:31:18.800 we know when he's gonna be free. 1727 01:31:18.680 --> 01:31:21.479 Sus I don't, But I can take Randy's number and 1728 01:31:21.600 --> 01:31:23.439 try to reconnect here in a little bit. 1729 01:31:23.520 --> 01:31:26.600 Yeah, yeah, we're gonna have to figure out what old 1730 01:31:26.680 --> 01:31:32.279 costs for these injectors and to have replaced and what 1731 01:31:32.359 --> 01:31:34.920 he can do. We have a Jordan Canno with us 1732 01:31:34.960 --> 01:31:37.800 in the studio taking over for his dad, talking about 1733 01:31:37.840 --> 01:31:44.720 our movie event coming up, and Jordan, they want to know. 1734 01:31:46.079 --> 01:31:49.840 I'm getting a few very basic questions. Okay, okay, and 1735 01:31:49.880 --> 01:31:53.000 that is and that is the length of the movie. 1736 01:31:54.159 --> 01:31:54.880 Very good question. 1737 01:31:55.039 --> 01:31:58.479 So basically the movie itself right, get everybody out within 1738 01:31:58.479 --> 01:32:00.720 an hour basically nowur twenty a month with questions at 1739 01:32:00.760 --> 01:32:03.840 the end. But it's a pretty quick, concise movie of 1740 01:32:03.960 --> 01:32:07.479 just talking about the baby boomer dilemma, social security issues, 1741 01:32:07.520 --> 01:32:10.560 what people should be looking forward to in retirement, and 1742 01:32:10.600 --> 01:32:13.000 what they should expect that there might be social security 1743 01:32:13.039 --> 01:32:15.039 cuts down the road, because we all know the system's 1744 01:32:15.159 --> 01:32:17.000 a little hurt right now, it's being able to fund it. 1745 01:32:17.079 --> 01:32:22.159 So obviously, who put this movie together. I mean, this 1746 01:32:22.239 --> 01:32:27.239 is being put together by people who are who are 1747 01:32:27.920 --> 01:32:31.760 marketing annuities because they believe it's the best security. 1748 01:32:31.439 --> 01:32:33.800 Going into uncertain times. Yeah, definitely. 1749 01:32:33.800 --> 01:32:38.399 They basically have experts throughout the past, sold Security board members, 1750 01:32:38.640 --> 01:32:41.279 some people from treasurers from the US Treasury, and they 1751 01:32:41.279 --> 01:32:43.279 have it's kind of like a docu series, if you will, 1752 01:32:43.279 --> 01:32:47.000 a documentary that has all these experts talking about the 1753 01:32:47.079 --> 01:32:47.920 issues that have come up. 1754 01:32:47.960 --> 01:32:49.399 They put it together with. 1755 01:32:50.920 --> 01:32:55.119 A director, and the point that you're making is exactly 1756 01:32:55.159 --> 01:32:59.079 that that there's another solution, using some indexed annuities, using 1757 01:32:59.079 --> 01:33:02.800 some other waste and green another income stream. Pensions, not 1758 01:33:02.840 --> 01:33:05.479 just social security, have another source of income that you 1759 01:33:05.520 --> 01:33:07.800 can count on every single month. And that's what that 1760 01:33:08.079 --> 01:33:10.439 movie Light Lightly kind of shows at the end of 1761 01:33:10.520 --> 01:33:13.560 other solutions that you can choose, not just so security. 1762 01:33:13.159 --> 01:33:13.640 Only. 1763 01:33:15.239 --> 01:33:18.560 Right, and it highlights people who have done the wrong 1764 01:33:18.600 --> 01:33:22.479 thing and ended up losing everything. And some of these 1765 01:33:22.520 --> 01:33:28.560 companies were, you know, telling people to take the wrong 1766 01:33:28.640 --> 01:33:34.640 products and employment plans that have failed. They even had 1767 01:33:34.680 --> 01:33:39.000 some employee sponsored plans where people ended up with nothing. 1768 01:33:39.640 --> 01:33:40.079 Very true. 1769 01:33:40.119 --> 01:33:45.199 Now, now when we say it's virtually no risk, I 1770 01:33:45.279 --> 01:33:49.920 can say virtually no risk because I believe literally it's 1771 01:33:49.960 --> 01:33:53.560 not only backed by the insurance companies that are one 1772 01:33:53.600 --> 01:33:57.479 hundred years or older, but they also have state insurance 1773 01:33:57.479 --> 01:33:58.920 funds that back it up as well. 1774 01:33:59.359 --> 01:34:01.960 So when we say no risk, it's just. 1775 01:34:01.920 --> 01:34:06.039 Like a corporate bond when they say it's guaranteed. So 1776 01:34:06.560 --> 01:34:09.279 the corporate bond is as good as the corporation. And 1777 01:34:09.319 --> 01:34:13.520 these are companies Jordan that you represent. How old are they? 1778 01:34:13.720 --> 01:34:14.359 How old are they? 1779 01:34:14.439 --> 01:34:16.119 You hit it right on the head. We have companies 1780 01:34:16.119 --> 01:34:17.840 that are one hundred, one hundred and fifty years old. 1781 01:34:18.399 --> 01:34:20.119 Some of those insurance companies even go pass that to 1782 01:34:20.199 --> 01:34:23.239 two hundred years old. And so they've stood through the 1783 01:34:23.279 --> 01:34:26.760 Great Depression, they stood through a lot of the epidemics, 1784 01:34:26.800 --> 01:34:29.720 the financial ruts that we've seen in this country. And 1785 01:34:29.760 --> 01:34:33.640 that's their point is they're using the risk factor and 1786 01:34:33.680 --> 01:34:36.119 taking that away from clients and being able to give 1787 01:34:36.159 --> 01:34:39.159 them basically a backing not only through the company, but 1788 01:34:39.199 --> 01:34:41.840 you said it right there by the states as well. 1789 01:34:42.079 --> 01:34:45.760 What other product out there, stocks, bonds, mutual funds, you know, 1790 01:34:45.800 --> 01:34:48.239 would the state put their name behind saying that, hey, 1791 01:34:48.439 --> 01:34:50.159 you know what if the company went belly up or 1792 01:34:50.159 --> 01:34:52.159 if this happens, we're going to back you. 1793 01:34:53.279 --> 01:34:56.319 It's basically like FDIC. It is like the FDIC. 1794 01:34:56.520 --> 01:34:59.359 Yeah, the money's there, you know, so because of the 1795 01:34:59.359 --> 01:35:02.880 state funds. So to your point, it is very it's 1796 01:35:03.039 --> 01:35:04.840 one of the safest bets that people can put in. 1797 01:35:04.920 --> 01:35:06.800 They can get the growth in the market's up and 1798 01:35:06.840 --> 01:35:08.479 then protect it from when the market comes down. 1799 01:35:08.880 --> 01:35:11.560 But let's talk about that because somebody want Somebody asked, 1800 01:35:12.239 --> 01:35:15.279 they say, Tom, you mentioned upside risk. In other words, 1801 01:35:15.359 --> 01:35:18.479 if the market's going crazy and somebody's in an annuity, 1802 01:35:18.520 --> 01:35:21.640 they're limited. But you just said, and I think it's 1803 01:35:21.720 --> 01:35:24.520 rightly so that they do get upside it's not for 1804 01:35:24.840 --> 01:35:27.119 they don't have a fixed s rate. The only fixed 1805 01:35:27.159 --> 01:35:29.520 strate is the one never to go below. 1806 01:35:29.560 --> 01:35:31.880 Isn't that right? Two fixed rates? 1807 01:35:31.920 --> 01:35:33.520 Yeah, So the best way to look at it is 1808 01:35:33.560 --> 01:35:36.119 there's a left side and the right side. The left 1809 01:35:36.119 --> 01:35:38.399 side goes up when the market's up and you get 1810 01:35:38.439 --> 01:35:40.600 those gains, but when the market comes down or crashes 1811 01:35:40.640 --> 01:35:42.359 for that year, the lowest you can ever get is 1812 01:35:42.439 --> 01:35:45.680 zero percent. So you can't go negative, you can't go backwards, 1813 01:35:45.880 --> 01:35:47.479 you don't lose your principle rights. 1814 01:35:47.880 --> 01:35:49.760 That's on the left side. That's on the lea what's 1815 01:35:49.800 --> 01:35:53.880 on there. So they're really double indexed. So one is 1816 01:35:54.560 --> 01:35:56.960 market goes up, it keeps ratcheting up. It can never 1817 01:35:57.000 --> 01:35:59.439 go below its base. 1818 01:35:59.319 --> 01:36:01.880 Right, and you're able to lock those earnings in and 1819 01:36:01.880 --> 01:36:04.039 increase that base every year. So as you go up, 1820 01:36:04.039 --> 01:36:06.199 it's racked up like a stair, and what's the other. 1821 01:36:06.439 --> 01:36:10.520 Okay, what's the other so called indexed, what's the right side? 1822 01:36:10.560 --> 01:36:13.199 So the right side or account if you will, is 1823 01:36:13.239 --> 01:36:15.880 what they give a guaranteed interest rate. It's called an 1824 01:36:15.920 --> 01:36:18.560 income writer, if you will, but it's a guaranteed interest 1825 01:36:18.600 --> 01:36:21.600 rate where just like we're running some examples here, they 1826 01:36:21.600 --> 01:36:25.399 start around five percent and every five years it ratchets 1827 01:36:25.479 --> 01:36:27.520 up and so it goes from five five and a 1828 01:36:27.560 --> 01:36:29.760 half six And so let's just say at the end 1829 01:36:29.760 --> 01:36:32.520 of ten years, whichever side's the biggest of the two, 1830 01:36:32.680 --> 01:36:35.399 either account A the market side or account be the 1831 01:36:35.720 --> 01:36:39.279 guaranteed indexing, they will give you the bigger of the two. 1832 01:36:40.840 --> 01:36:43.720 So in other words, you are going you're following two 1833 01:36:44.439 --> 01:36:49.159 two market indicators. You're following the volatility side that can 1834 01:36:49.199 --> 01:36:52.880 go really up high and stay there, and you're or 1835 01:36:53.000 --> 01:36:56.159 the just basic like a t bill. You're going to 1836 01:36:56.199 --> 01:36:59.039 get a solid amount of money. And then at the end, 1837 01:36:59.039 --> 01:37:02.439 when you're ready to an it, ties do you choose. 1838 01:37:02.560 --> 01:37:06.000 You don't literally choose which side. It's automatically the one 1839 01:37:06.119 --> 01:37:07.119 with the most money. 1840 01:37:06.840 --> 01:37:09.079 In the one that wins the race, the hair, the 1841 01:37:09.359 --> 01:37:11.000 or the turtle. As if you look at it, that 1842 01:37:11.039 --> 01:37:11.760 way or the tortoise. 1843 01:37:11.880 --> 01:37:14.600 So which and then when let's say the saw wins, 1844 01:37:14.640 --> 01:37:17.880 the race has grown to two hundred and fifty thousand 1845 01:37:17.960 --> 01:37:19.920 or three hundred or four hundred, whatever the number is, 1846 01:37:20.600 --> 01:37:27.039 and you unfortunately something befalls you and you die before 1847 01:37:27.079 --> 01:37:28.239 you get all of that back. 1848 01:37:28.720 --> 01:37:30.199 What happens to the rest. 1849 01:37:30.079 --> 01:37:32.399 The rest of the money goes to your beneficiaries, so 1850 01:37:32.439 --> 01:37:36.079 you can have whether it's your spouse, children, you know, 1851 01:37:36.079 --> 01:37:38.199 if you have it to a trust, you have options 1852 01:37:38.279 --> 01:37:39.439 unlike a regular tradition. 1853 01:37:39.520 --> 01:37:41.960 But you leave nothing on the table. Nothing, You leave 1854 01:37:41.960 --> 01:37:43.920 nothing on the table, correct you got it. 1855 01:37:43.960 --> 01:37:46.520 Most pensions nowadays from employers, you're stuck with just giving 1856 01:37:46.520 --> 01:37:47.680 it to your spouse and that's it. 1857 01:37:47.760 --> 01:37:49.359 You really can't. There's not a lot of them that. 1858 01:37:49.319 --> 01:37:51.840 Allow you to give it to your children, your heirs thereafter. 1859 01:37:51.920 --> 01:37:53.720 And that's money left on the table. As you're saying. 1860 01:37:53.840 --> 01:37:57.000 With these plans, you have that money go into your family, 1861 01:37:57.319 --> 01:38:00.680 and it's going to everybody, not just one individual with 1862 01:38:00.760 --> 01:38:02.359 a spouse, or if they don't have a spouse, they 1863 01:38:02.359 --> 01:38:04.119 can leave to children or family members. 1864 01:38:05.560 --> 01:38:08.239 Now listen, by the way, I also want to talk 1865 01:38:08.239 --> 01:38:10.840 about something else, but that this event's coming up in 1866 01:38:10.880 --> 01:38:14.520 a few nights at the twenty fifth And what time 1867 01:38:14.520 --> 01:38:15.760 does it start Jordan. 1868 01:38:15.560 --> 01:38:18.600 That'll be six thirty pm at the Highlands. Rants AMC 1869 01:38:18.680 --> 01:38:20.840 twenty four will be there with signs. 1870 01:38:20.760 --> 01:38:25.039 Now to register to register three all three Yeah, if 1871 01:38:25.039 --> 01:38:27.720 nothing else, go for the pop run night. Find out 1872 01:38:27.760 --> 01:38:30.760 how to protect money anyway three all three seven seven 1873 01:38:30.840 --> 01:38:34.399 nine sixty six hundred seven seven nine sixty six hundred 1874 01:38:34.680 --> 01:38:36.199 My moneymway dot com. 1875 01:38:36.239 --> 01:38:37.319 Speaking of which I. 1876 01:38:37.279 --> 01:38:40.279 Did have a guy who contacted me last time and 1877 01:38:40.319 --> 01:38:43.279 said that one big one we we all you know. 1878 01:38:44.359 --> 01:38:47.199 I think it was in Highlands wherever it was, he said, Tom, 1879 01:38:47.239 --> 01:38:49.439 I swear to you. I went just to say hi 1880 01:38:49.479 --> 01:38:51.920 to you, to meet you and to have popcorn. And 1881 01:38:52.000 --> 01:38:56.640 I ended up actually buying one an annuity because of 1882 01:38:57.079 --> 01:38:58.720 the movie, which is kind of fun. 1883 01:38:58.800 --> 01:38:59.159 Anyway. 1884 01:38:59.159 --> 01:39:01.920 Three O three seven seven nine sixty six hundred. Okay, 1885 01:39:02.000 --> 01:39:05.039 we have more coming up on the Troubleshooter show, stick around, 1886 01:39:10.239 --> 01:39:13.520 Go with a sure Thing Denver's Best Roofer Excel roofing 1887 01:39:13.640 --> 01:39:16.279 dot com. You don't pay a cent until you're content. 1888 01:39:19.640 --> 01:39:22.840 Time for an insurance check up free, no obligation. In comparison, 1889 01:39:22.960 --> 01:39:26.520 call Compass Insurance paying too much your coverage at dozens 1890 01:39:26.520 --> 01:39:29.279 of insurance companies. Find out now three oh three seven 1891 01:39:29.279 --> 01:39:31.640 to seven to one help. You'll think you're his only 1892 01:39:31.720 --> 01:39:34.479 customer when you choose Frank durand thereal estate man dot 1893 01:39:34.479 --> 01:39:37.840 com to list your home with Remax Alliance three oh 1894 01:39:37.840 --> 01:39:45.319 three nine two zero sixteen twenty two. Hey Tom Martino 1895 01:39:45.399 --> 01:39:48.479 here three oh three seven one three Talk seven one 1896 01:39:48.479 --> 01:39:52.359 three eight two five five. So we're talking about some 1897 01:39:52.520 --> 01:39:55.840 very interesting issues. Give us a call if you have 1898 01:39:55.880 --> 01:39:58.640 a problem, question and complain at three oh three seven 1899 01:39:58.680 --> 01:40:01.600 one three talks seven one three eight two five five. 1900 01:40:02.920 --> 01:40:05.119 We're promoting this movie event for the twenty. 1901 01:40:04.960 --> 01:40:08.039 Fifth if you want to sign up for it. 1902 01:40:08.039 --> 01:40:10.840 It talks about retirement and all that. And whenever you 1903 01:40:10.920 --> 01:40:12.439 talk about investments are very. 1904 01:40:12.359 --> 01:40:14.479 Kind, any kind. It doesn't matter what you talk about. 1905 01:40:15.000 --> 01:40:16.279 And I think you'll know this, Jordan. 1906 01:40:16.640 --> 01:40:19.079 There are people that will swear by things since people 1907 01:40:19.079 --> 01:40:21.479 that swear against them. Then there are people that don't 1908 01:40:21.520 --> 01:40:25.319 have an opinion. And I've always said this, there is 1909 01:40:25.359 --> 01:40:29.439 no one investment that is the best for everyone. 1910 01:40:29.399 --> 01:40:30.560 Or the worst for everyone. 1911 01:40:31.680 --> 01:40:37.520 There's in fact, there is nothing that is bad or good. 1912 01:40:37.840 --> 01:40:39.640 It's how you use it that counts. 1913 01:40:41.000 --> 01:40:43.960 And I think one of the biggest mistakes people make 1914 01:40:44.640 --> 01:40:46.479 sometimes is they do. 1915 01:40:46.479 --> 01:40:48.159 One thing and one thing only. 1916 01:40:48.640 --> 01:40:55.159 Or they they do they or they try to chase money, 1917 01:40:55.239 --> 01:40:57.600 is what I mean. And this is what Warren Buffett 1918 01:40:57.640 --> 01:41:00.319 used to say that he makes his money most by 1919 01:41:00.359 --> 01:41:05.159 people chasing money because of everyone everyone. Most people start 1920 01:41:05.159 --> 01:41:08.640 buying a stock when it's on his way up and 1921 01:41:09.000 --> 01:41:12.520 they got in late, or they sell when it's crashing 1922 01:41:13.199 --> 01:41:16.359 and they lock in their losses or their profits. So 1923 01:41:16.920 --> 01:41:22.600 the theory behind an annuity is not to play the game. 1924 01:41:23.399 --> 01:41:26.600 Just let us sit there and then take advantage of 1925 01:41:26.600 --> 01:41:30.760 the upside and then take advantage of the fixed rate 1926 01:41:31.640 --> 01:41:34.800 and do the comparing side by side when it's time 1927 01:41:34.840 --> 01:41:35.439 to withdraw. 1928 01:41:35.640 --> 01:41:36.319 You know he did. 1929 01:41:36.359 --> 01:41:39.159 I mean, that's really he did. An example for me. 1930 01:41:39.279 --> 01:41:39.880 Checked this out. 1931 01:41:39.960 --> 01:41:43.680 Tom So someone fifty years old, so you know, basically 1932 01:41:43.720 --> 01:41:47.479 my age one hundred and fifty thousand into an annuity. 1933 01:41:47.920 --> 01:41:48.840 Then when you. 1934 01:41:48.840 --> 01:41:51.840 Decide to retire, so we just took sixty seven or 1935 01:41:51.840 --> 01:41:57.079 whatever the top social security is, you would have over 1936 01:41:57.199 --> 01:42:01.279 three thousand dollars a month guaranteed to the day you died. 1937 01:42:02.119 --> 01:42:05.119 Yep, and that goes right with an addition to your Yeah, 1938 01:42:05.159 --> 01:42:06.439 it goes right with your opinion. If you have other 1939 01:42:06.479 --> 01:42:08.079 money that's in the market, if you have four to 1940 01:42:08.079 --> 01:42:11.239 one ks and that's the idea, Well it's so security, 1941 01:42:11.279 --> 01:42:13.800 so security on top of that, you're you're you're hitting it, Tom, 1942 01:42:13.800 --> 01:42:15.840 I mean, the idea is not all eggs in one basket. 1943 01:42:15.920 --> 01:42:18.520 If you can have multiple streams of income, that is 1944 01:42:18.560 --> 01:42:21.199 a good retirement. You can't just rely on one basket, 1945 01:42:21.279 --> 01:42:22.720 one social security check. 1946 01:42:22.920 --> 01:42:23.840 This is the way to do. 1947 01:42:23.840 --> 01:42:27.600 It to people buy multiple ones and then like you know, 1948 01:42:27.720 --> 01:42:29.840 they get to a certain age, they're like, okay, I 1949 01:42:29.880 --> 01:42:32.279 could use that cash flow right now and still let 1950 01:42:32.319 --> 01:42:33.319 the other one simmer. 1951 01:42:33.479 --> 01:42:35.079 Exactly. We call that laddering them. 1952 01:42:35.119 --> 01:42:36.960 So if you can have, you know, some money, you 1953 01:42:36.960 --> 01:42:38.520 build it up and maybe even once it grows to 1954 01:42:38.560 --> 01:42:40.119 a certain point, break it up into two. 1955 01:42:40.399 --> 01:42:41.640 And that's the idea is let. 1956 01:42:41.520 --> 01:42:46.479 One and sometimes sometimes you do laddering mark when you 1957 01:42:46.520 --> 01:42:50.199 want some liquidity of freedom and so you're able to 1958 01:42:50.399 --> 01:42:53.520 take ten percent a year and you can choose which. 1959 01:42:53.359 --> 01:42:57.439 One and then it's it's it's a it's a it's 1960 01:42:57.479 --> 01:42:58.560 a really cool approach. 1961 01:42:58.880 --> 01:43:02.279 Anyway, we have more coming up on the Troubleshooter Show Problems, 1962 01:43:02.359 --> 01:43:05.800 Questions and complaints three oh three Martino three O three 1963 01:43:05.840 --> 01:43:08.720 six two seven eight four sixty six or three oh 1964 01:43:08.720 --> 01:43:12.119 three seven one three talk seven one three eight two 1965 01:43:12.239 --> 01:43:12.840 five five. 1966 01:43:13.199 --> 01:43:15.159 Whatever you need, we're going to try to help you with, 1967 01:43:15.359 --> 01:43:16.199 So call us. 1968 01:43:18.399 --> 01:43:21.640 Go with a sure thing Denver's Best roofer Excel Roofing 1969 01:43:21.760 --> 01:43:24.359 dot com. You don't pay a cent until you're content. 1970 01:43:27.760 --> 01:43:30.960 Time for an insurance check up free, no obligation. In comparison, 1971 01:43:31.079 --> 01:43:34.640 call Compass Insurance paying too much your coverage at dozens 1972 01:43:34.640 --> 01:43:37.399 of insurance companies find out now three oh three seven 1973 01:43:37.479 --> 01:43:40.319 seven to one help. You'll think you're his only customer 1974 01:43:40.319 --> 01:43:42.600 when you choose Frank durand the real estate Man dot 1975 01:43:42.640 --> 01:43:45.960 com to list your home with Remax Alliance three oh 1976 01:43:45.960 --> 01:43:48.039 three nine two zero sixteen twenty. 1977 01:43:47.720 --> 01:43:54.159 Two ript. 1978 01:43:55.880 --> 01:44:05.319 News need so you don't have, as you can Shooter's 1979 01:44:05.439 --> 01:44:08.079 gonna help coming man. 1980 01:44:08.279 --> 01:44:10.439 This is the Troubleshooter Show. 1981 01:44:11.079 --> 01:44:18.800 No Tom Martinez, Welcome my friends to the only show. 1982 01:44:18.800 --> 01:44:21.239 If it's kay, We're here to solve problems, answer questions, 1983 01:44:21.560 --> 01:44:22.319 take complaint. 1984 01:44:22.399 --> 01:44:25.640 Where's Tommy? What happened to him? He might have stepped 1985 01:44:25.680 --> 01:44:27.560 away for a second Mark, he might have. I don't 1986 01:44:27.560 --> 01:44:30.439 see Dmitri there either, but hey, here's the deal. We're 1987 01:44:30.439 --> 01:44:31.079 here to help you. 1988 01:44:31.159 --> 01:44:35.079 Three oh three the executive seven one three eight two 1989 01:44:35.119 --> 01:44:38.079 five five. I hope they're not in the executive together doc. 1990 01:44:38.600 --> 01:44:41.720 We'll never know, they'll never know. Hey, listen, this thing 1991 01:44:41.760 --> 01:44:43.239 coming up on the twenty fifth. 1992 01:44:44.039 --> 01:44:44.520 I really do. 1993 01:44:46.039 --> 01:44:49.159 A that's Drew, I really do. 1994 01:44:49.159 --> 01:44:51.399 Want you to sign up. In fact, Suzanne and I 1995 01:44:51.520 --> 01:44:55.279 will be out there alright six point thirty. It's gonna 1996 01:44:55.279 --> 01:44:57.239 be at the AMC twenty four. 1997 01:44:57.439 --> 01:44:57.880 That's correct. 1998 01:44:57.920 --> 01:45:00.000 We look forward to meeting you. And it's a free 1999 01:45:00.439 --> 01:45:03.520 free popcorn. Now are you guys gonna buy? I think 2000 01:45:03.560 --> 01:45:06.000 at a mc as beer and liquor too? 2001 01:45:06.159 --> 01:45:07.800 Whoo? Who is that included? 2002 01:45:07.920 --> 01:45:08.239 Jordan? 2003 01:45:08.359 --> 01:45:10.159 What are we talking here that we're getting ahead of it? 2004 01:45:10.319 --> 01:45:13.600 Open bar? Mark, it's an open bar. Yeah, let's pull 2005 01:45:13.640 --> 01:45:14.920 that back a little bit, pull the reins. 2006 01:45:14.920 --> 01:45:18.000 But don't they have time where they bring whatever you order, 2007 01:45:18.119 --> 01:45:19.279 like chicken to your seat? 2008 01:45:19.319 --> 01:45:22.880 There a pool meal right now? I don't know. 2009 01:45:23.319 --> 01:45:25.319 You know a lot of theaters have that you order 2010 01:45:25.359 --> 01:45:26.479 and they bring it to your seat. 2011 01:45:26.600 --> 01:45:28.359 Do you remember nowadays? 2012 01:45:28.439 --> 01:45:32.640 You remember when you told everybody on air that Al 2013 01:45:32.840 --> 01:45:39.640 Ramis was gonna buy my first ten callers free tires, 2014 01:45:41.439 --> 01:45:43.880 and it was for April fools and it and then 2015 01:45:43.920 --> 01:45:48.960 but I told the callers had I told the callers. 2016 01:45:48.600 --> 01:45:52.960 Retning his life for not giving him the tires. My goodness. Now, 2017 01:45:53.119 --> 01:45:55.439 but here's how I went down, Mark, Here's how it 2018 01:45:55.520 --> 01:45:56.039 went down. 2019 01:45:56.600 --> 01:46:00.319 I said. Before I even started, I said, listen, this 2020 01:46:00.479 --> 01:46:06.079 is a April Fool's prank on him, on al Romus 2021 01:46:06.680 --> 01:46:09.319 pro autocare. I said, so when you call him, though, 2022 01:46:09.680 --> 01:46:12.439 just tell them you expect free tires. That Tom Martinez 2023 01:46:12.479 --> 01:46:16.359 advertising free tires. Now, so the people that listen to 2024 01:46:16.399 --> 01:46:20.239 my show, they were calling as a joke. But then 2025 01:46:20.399 --> 01:46:22.600 other people got w into this and thought it was 2026 01:46:22.680 --> 01:46:24.560 real and got pissed at him. 2027 01:46:24.439 --> 01:46:27.640 Because they didn't get their free tires. And I bring 2028 01:46:27.680 --> 01:46:29.800 that up and it back fired. I bring that up 2029 01:46:29.840 --> 01:46:32.319 because I want everybody to know. There is not an 2030 01:46:32.399 --> 01:46:36.000 open bar at the AMC twenty four, not this event. 2031 01:46:36.079 --> 01:46:38.840 No no, no, but we got popcorn, drinks, my money, 2032 01:46:38.880 --> 01:46:40.800 myway dot com free event coming up. 2033 01:46:40.800 --> 01:46:42.439 Get snighted up though. It's gonna be fun. 2034 01:46:42.560 --> 01:46:45.439 In fact, last time you had it there, I think, 2035 01:46:45.600 --> 01:46:47.359 wasn't it you were at that one time it was 2036 01:46:47.359 --> 01:46:50.279 standing room only. Yeah. 2037 01:46:50.439 --> 01:46:52.960 Yeah, it's like one hundred and eight. So anyway, it's 2038 01:46:53.000 --> 01:46:53.880 a good movie. 2039 01:46:54.239 --> 01:46:55.600 I'm gonna go see it again. 2040 01:46:55.760 --> 01:46:56.479 You're gonna go bo. 2041 01:46:56.800 --> 01:46:58.079 There's a little bit of a doctor. 2042 01:46:58.159 --> 01:47:00.079 You're go interview already. Oh, you haven't a new. 2043 01:47:00.359 --> 01:47:04.520 I haven't that the con that Jordan talks about, which 2044 01:47:04.600 --> 01:47:06.199 was it's been really great for me. 2045 01:47:07.439 --> 01:47:10.640 Doc didn't even realize he had the I was gonna 2046 01:47:10.680 --> 01:47:14.800 say death benefit, but not the long term care. 2047 01:47:14.960 --> 01:47:17.279 Cost of living? Yeah, cost of living. 2048 01:47:18.039 --> 01:47:22.239 I was saying, my malpractice policy. They you know, they 2049 01:47:22.279 --> 01:47:24.000 have a talent on it, which if you've been with 2050 01:47:24.039 --> 01:47:28.319 them for ten years, once you retire, you know your 2051 01:47:28.520 --> 01:47:31.680 your If there any malpractice claims that happened while he 2052 01:47:31.760 --> 01:47:35.600 was still working, they cover it. But also, without my 2053 01:47:35.760 --> 01:47:38.840 knowing it, they had given me a two hundred thousand 2054 01:47:38.880 --> 01:47:42.079 dollars long term care policy that I never knew I 2055 01:47:42.159 --> 01:47:43.800 had until I retired. 2056 01:47:44.039 --> 01:47:47.479 You know what's crazy, Tom, What do you think old 2057 01:47:47.520 --> 01:47:48.399 folks home costs? 2058 01:47:48.479 --> 01:47:48.680 Now? 2059 01:47:48.760 --> 01:47:51.479 I mean honestly, it's it's it's like ten grand a 2060 01:47:51.520 --> 01:47:54.359 month for some decent Isn't that incredible? 2061 01:47:57.439 --> 01:47:57.720 Wow? 2062 01:47:58.840 --> 01:48:04.039 Now, if somebody wants to know let me find this. Oh, 2063 01:48:04.119 --> 01:48:06.199 I got to go back to this other call. Somebody 2064 01:48:06.239 --> 01:48:09.760 called Bow went out about these sewer gases. Bow, You're 2065 01:48:09.800 --> 01:48:13.560 there right, Yes, and there were terrible sewer gases coming 2066 01:48:13.600 --> 01:48:18.239 from an apartment. They come from, how they come from, 2067 01:48:18.279 --> 01:48:21.079 all over and I'm going to go over the major causes. 2068 01:48:21.119 --> 01:48:25.479 But this one person says that in that apartment, in 2069 01:48:25.560 --> 01:48:28.000 their mechanical room, if they have a water heater and 2070 01:48:28.079 --> 01:48:31.000 a floor drain, something as simple as that floor drain 2071 01:48:31.079 --> 01:48:34.840 evaporating and not having anything in it in the p 2072 01:48:35.079 --> 01:48:38.079 trap could cause sewer gases to come back up into 2073 01:48:38.119 --> 01:48:38.680 the apartment. 2074 01:48:38.960 --> 01:48:40.479 And that's absolutely true. 2075 01:48:41.039 --> 01:48:44.039 Did they have a mechanical room in there that could 2076 01:48:44.119 --> 01:48:45.640 possibly be. 2077 01:48:46.760 --> 01:48:51.439 Yeah, that's very astute. Whoever brought that up. I actually 2078 01:48:52.720 --> 01:48:55.279 she had a floor drain. We did put water in 2079 01:48:55.359 --> 01:48:58.520 it to make sure it's fall but she uses the 2080 01:48:58.560 --> 01:49:02.840 floor drain, so the trap was not dry and there 2081 01:49:02.880 --> 01:49:06.199 is no water heater. It's a big boiler in the 2082 01:49:06.319 --> 01:49:09.600 basement of the apartment building that applies the domestic water 2083 01:49:10.119 --> 01:49:14.159 to her apartment. I believe it's a cracked vent sewer 2084 01:49:14.239 --> 01:49:17.279 vent line. It's supposed to terminate up on the roof 2085 01:49:17.359 --> 01:49:20.279 of the building, but it's actually terminating on the fourth 2086 01:49:20.359 --> 01:49:25.399 or fifth floor, and then when the HVAC system comes on, 2087 01:49:25.560 --> 01:49:29.600 it's drawing the sewer gases from the broken vent pipe 2088 01:49:29.640 --> 01:49:30.840 into her apartment. 2089 01:49:32.479 --> 01:49:33.359 Yeah, hopefully, but. 2090 01:49:33.600 --> 01:49:35.079 Just for other people listening. 2091 01:49:35.520 --> 01:49:39.199 For people listening, you have roof fence on houses and 2092 01:49:39.279 --> 01:49:42.760 condos and all kinds. Roof vents are for things to 2093 01:49:42.760 --> 01:49:45.479 be able to drain. You can't drain something that's a 2094 01:49:45.520 --> 01:49:49.039 closed system. It has to have air to drain. And 2095 01:49:49.199 --> 01:49:53.279 roof fence are where the water goes down the gases 2096 01:49:53.319 --> 01:49:56.920 go up, and what happens is when they're blocked, they 2097 01:49:56.960 --> 01:50:00.760 can cause an odor. Another thing of floor drains, pea 2098 01:50:00.840 --> 01:50:04.840 traps are you know, I often wonder why is there 2099 01:50:04.880 --> 01:50:07.680 a circle of an s in my pipe, you know? 2100 01:50:08.000 --> 01:50:09.720 And why does it look like it goes down and 2101 01:50:09.720 --> 01:50:12.840 then back up again and back down again. And it's 2102 01:50:12.880 --> 01:50:16.319 because it's called the pea trap. And really what that's 2103 01:50:16.359 --> 01:50:19.680 meant to be is when you're completely drained, there's always 2104 01:50:19.720 --> 01:50:21.279 some water in that pea. 2105 01:50:21.079 --> 01:50:24.640 Trap, which causes sewer gases from coming back. 2106 01:50:25.039 --> 01:50:27.000 But if you're in a house for a long time, 2107 01:50:27.359 --> 01:50:30.600 and let's say you have a downstairs bathroom and it's 2108 01:50:30.640 --> 01:50:35.119 never used at all, like we have that we never use, 2109 01:50:35.760 --> 01:50:40.199 and I there was a terrible odor coming from it. Again, bo, 2110 01:50:40.359 --> 01:50:42.439 what you said, especially when the heater air was on 2111 01:50:43.000 --> 01:50:45.319 and I went back to that bedroom and thought what. 2112 01:50:45.479 --> 01:50:46.159 Died in here? 2113 01:50:46.439 --> 01:50:49.520 And it was nothing. I simply had to fill up. 2114 01:50:50.079 --> 01:50:55.000 The shower drain with water and the gas has stopped immediately. 2115 01:50:55.399 --> 01:50:57.680 So if you live in a big house and you're alone, 2116 01:50:57.800 --> 01:50:59.479 or you live with a couple people, or you're an 2117 01:50:59.479 --> 01:51:03.039 empty nes sure you know these floor drains literally have 2118 01:51:03.119 --> 01:51:05.159 to be attended to. Now that might be in a 2119 01:51:05.199 --> 01:51:06.920 mechanical room where your. 2120 01:51:06.760 --> 01:51:07.600 Water heater is. 2121 01:51:08.359 --> 01:51:14.600 You have to basically make sure that the floor drains 2122 01:51:14.640 --> 01:51:17.760 are always filled with water. Now, I don't know, and 2123 01:51:17.800 --> 01:51:20.600 I should ask a plumber this. Somebody told me a 2124 01:51:20.640 --> 01:51:23.720 hack that they use to keep their pea traps full, 2125 01:51:24.119 --> 01:51:26.239 and I'm not sure it's a good one, but this 2126 01:51:26.319 --> 01:51:29.039 is what they do. They put mineral oil in it, 2127 01:51:29.399 --> 01:51:31.479 and the mineral oil. 2128 01:51:31.560 --> 01:51:32.039 Kind of. 2129 01:51:33.600 --> 01:51:36.680 Keeps from evaporating. What are you seeing, Demetri? You know 2130 01:51:36.720 --> 01:51:37.159 about that? 2131 01:51:37.239 --> 01:51:39.920 Oh yeah, I've seen I've seen that. I've seen glycerin 2132 01:51:40.000 --> 01:51:40.279 in there. 2133 01:51:40.319 --> 01:51:43.159 Thish, Wait a minute, So mineral oil doesn't do any harm. 2134 01:51:43.399 --> 01:51:45.760 No, it's just an inert to oil and it doesn't 2135 01:51:45.760 --> 01:51:47.640 evaporate nearly as quickly as water. 2136 01:51:47.880 --> 01:51:49.920 So if you turn the water on to drain like, 2137 01:51:50.119 --> 01:51:51.560 it's not going to clog it up, but it'll just 2138 01:51:51.680 --> 01:51:52.199 drawn through. 2139 01:51:52.359 --> 01:51:54.439 It will just drain out like any other liquid. 2140 01:51:54.439 --> 01:51:55.960 And it's not like, hey, bo, have you ever heard 2141 01:51:56.000 --> 01:51:56.199 of that? 2142 01:51:56.920 --> 01:51:59.600 I never have heard of someone putting oil in. 2143 01:52:00.079 --> 01:52:02.279 Best thing to do is just put a little cup 2144 01:52:02.319 --> 01:52:05.840 of water in your drains, especially basement shower drean. 2145 01:52:06.039 --> 01:52:08.239 But we're talking about if you want it to last long, 2146 01:52:08.680 --> 01:52:11.239 if you want it to last longer. I've heard people 2147 01:52:11.800 --> 01:52:15.720 just use mineral oil, yeah, and they say it works 2148 01:52:15.760 --> 01:52:16.239 really well. 2149 01:52:16.359 --> 01:52:17.279 Have about some bleach? 2150 01:52:18.600 --> 01:52:20.000 I think bleach would be corrosive? 2151 01:52:20.239 --> 01:52:22.760 What thrill three seven one three talk seven one three 2152 01:52:22.880 --> 01:52:27.079 eight two five five. So listen, somebody wants to know 2153 01:52:27.119 --> 01:52:31.279 about somebody wants to know about this thing. 2154 01:52:31.760 --> 01:52:33.880 Jordan, Oh, I know what it is. 2155 01:52:34.520 --> 01:52:37.439 Hold on are they still doing become the banker with 2156 01:52:37.840 --> 01:52:41.119 overfunding life insurance? And this is what this guy wants 2157 01:52:41.159 --> 01:52:43.199 to know. He says he doesn't have a lot of 2158 01:52:43.239 --> 01:52:46.079 money right now to put away monthly, but is it 2159 01:52:46.119 --> 01:52:48.840 best to get the policy going and then overfund it 2160 01:52:48.880 --> 01:52:51.600 when you get extra money, or wait until you have 2161 01:52:51.720 --> 01:52:53.439 extra money to take it out. 2162 01:52:53.439 --> 01:52:56.239 To begin with, great question. So first off, yes, we 2163 01:52:56.319 --> 01:52:59.359 do to become the banker. Still absolutely those are two products, 2164 01:52:59.399 --> 01:53:02.159 just the index nuity and to become the banker. But 2165 01:53:02.199 --> 01:53:05.079 to the answer there, really it depends. I mean, for 2166 01:53:05.119 --> 01:53:07.439 the client, it is always good to start putting that 2167 01:53:07.479 --> 01:53:10.520 money at a younger point, so wherever his age is 2168 01:53:10.680 --> 01:53:13.880 starting to build that cash value, now building it up. 2169 01:53:13.960 --> 01:53:15.720 We have flexible okay, in these plans. 2170 01:53:15.880 --> 01:53:17.319 But let me ask you this Sjordan, this is what 2171 01:53:17.359 --> 01:53:20.079 I think he means. This is what I think he means. 2172 01:53:20.359 --> 01:53:23.079 Let's say he takes out a life insurance policy that 2173 01:53:23.119 --> 01:53:27.319 he intends to overfund, okay, on purpose. Then that grows 2174 01:53:27.399 --> 01:53:30.159 tax free and you can take it out tax free 2175 01:53:30.239 --> 01:53:33.399 later in life. Right, But let's talk about this on 2176 01:53:33.439 --> 01:53:35.600 a regular insurance. If I came to you to do. 2177 01:53:35.600 --> 01:53:40.359 It, does it start building cash value from the beginning 2178 01:53:40.760 --> 01:53:43.840 or do I have to overfund it for that cash value? 2179 01:53:43.840 --> 01:53:47.319 With our policies, it's from the beginning, so meaning that 2180 01:53:47.359 --> 01:53:50.960 the cash value builds, especially ours, every month that they. 2181 01:53:50.840 --> 01:53:52.119 Put a contribution to it. 2182 01:53:52.359 --> 01:53:54.680 A good portion of that's going to their cash value 2183 01:53:54.880 --> 01:53:55.960 regular whole life. 2184 01:53:56.000 --> 01:53:58.800 So how little can they start with? How little can 2185 01:53:58.800 --> 01:53:59.439 they start with? 2186 01:54:00.119 --> 01:54:02.319 Yeah, I'd say for anybody over the age of twenty one, 2187 01:54:02.359 --> 01:54:04.199 two hundred and fifty dollars a month, two hundred dollars 2188 01:54:04.199 --> 01:54:06.640 a month kind of is that bare minimum mark just 2189 01:54:06.680 --> 01:54:09.279 to have some growth, you know, if you're if obviously 2190 01:54:09.319 --> 01:54:10.720 the more you put in, the better it looks. But 2191 01:54:10.720 --> 01:54:12.560 anybody under that age, if they're doing it for children 2192 01:54:12.640 --> 01:54:15.000 or that, they can get good with less money. 2193 01:54:15.000 --> 01:54:17.479 But tell them what your dad did for you, Yeah, 2194 01:54:17.640 --> 01:54:17.840 you know. 2195 01:54:17.920 --> 01:54:20.000 And this is where my whole experience. I came in 2196 01:54:20.039 --> 01:54:22.600 at sixteen years old looking to purchase my vehicle. My 2197 01:54:22.680 --> 01:54:24.880 father funded it over the years, and it was right 2198 01:54:24.880 --> 01:54:26.720 around that two hundred mark for mine at the time 2199 01:54:26.720 --> 01:54:28.479 because he started when I was born, and I was 2200 01:54:28.520 --> 01:54:32.239 able to finance my vehicle it's age sixteen, paid cash 2201 01:54:32.279 --> 01:54:34.760 for it. But the rule was I had to call 2202 01:54:34.800 --> 01:54:36.760 the first bank or whichever bank we had at that 2203 01:54:36.840 --> 01:54:39.079 time and ask him, had I got a loan through them, 2204 01:54:39.199 --> 01:54:41.439 what was that payment? What was that interest rate? And 2205 01:54:41.439 --> 01:54:43.279 I'm sure you can guess he made me pay that 2206 01:54:43.279 --> 01:54:46.159 same payment back to myself. So you could start at 2207 01:54:46.199 --> 01:54:50.079 any point. Earlier the better. But these policies have flexibility 2208 01:54:50.159 --> 01:54:52.640 to your question, Tom that you can dump money in 2209 01:54:52.720 --> 01:54:55.279 later on if they don't have it upfront, we can 2210 01:54:55.319 --> 01:54:57.640 build that into it upfront. 2211 01:55:00.039 --> 01:55:00.359 Okay. 2212 01:55:00.760 --> 01:55:04.119 So no matter what, when you start, you'll start building 2213 01:55:04.159 --> 01:55:06.960 cash value and it can grow depending on how much 2214 01:55:07.000 --> 01:55:10.119 you put into it extra and that money will always 2215 01:55:10.159 --> 01:55:12.880 come back to you and there's only a small part 2216 01:55:12.920 --> 01:55:15.439 of the money going toward the cost of insurance. The 2217 01:55:15.479 --> 01:55:17.880 cost of insurance stays level, Is that true or not? 2218 01:55:18.239 --> 01:55:20.760 That is true. Yes, with whole life it stays level. 2219 01:55:21.039 --> 01:55:23.359 Universal life term those ones out there which we don't use, 2220 01:55:23.680 --> 01:55:25.880 those are the ones that the cost increases as you 2221 01:55:25.920 --> 01:55:26.399 get older. 2222 01:55:28.720 --> 01:55:31.159 Okay, we have more coming up on the Troubleshooter Show. 2223 01:55:31.159 --> 01:55:33.600 Three oh three seven one, three eight, two five five 2224 01:55:38.800 --> 01:55:42.039 Go with a sure Thing Denver's Best Roofer Excel roofing 2225 01:55:42.159 --> 01:55:44.800 dot com. You don't pay a cent until you're content. 2226 01:55:48.159 --> 01:55:51.359 Time for an insurance checkup free, no obligation. In comparison, 2227 01:55:51.479 --> 01:55:55.039 call compass insurance paying too much your coverage at dozens 2228 01:55:55.079 --> 01:55:57.800 of insurance companies find out now three oh three, seven 2229 01:55:57.800 --> 01:56:00.000 to seven to one help. You'll think you're his own 2230 01:56:00.000 --> 01:56:02.479 only customer when you choose Frank durand the real estate 2231 01:56:02.520 --> 01:56:05.800 man dot com to list your home with Remax Alliance 2232 01:56:06.000 --> 01:56:31.439 three oh three nine two zero sixteen twenty two. Hi 2233 01:56:31.479 --> 01:56:33.960 Tom Martinez here, three oh three seven one three talks 2234 01:56:33.960 --> 01:56:36.000 seven one three eight two five five. 2235 01:56:36.039 --> 01:56:38.199 I forgot to turn my mic on. Sorry about that. 2236 01:56:38.439 --> 01:56:39.079 No jokes. 2237 01:56:39.319 --> 01:56:40.920 You know what I like is they can't make any 2238 01:56:40.960 --> 01:56:43.079 Joe Biden jokes anymore because he's not around. 2239 01:56:43.640 --> 01:56:45.199 So who you gonna make fun of? Huh? 2240 01:56:45.359 --> 01:56:48.760 Hey, Tom, I have a question for you. 2241 01:56:49.479 --> 01:56:49.840 Go ahead. 2242 01:56:49.960 --> 01:56:53.760 What's your opinion on this thing about giving drivers licenses 2243 01:56:54.039 --> 01:56:55.840 to illegal immigrants? 2244 01:56:57.279 --> 01:56:59.159 Now, what do you think? I think? 2245 01:56:59.399 --> 01:57:01.159 Well, I thought we have what do you be a 2246 01:57:01.159 --> 01:57:02.399 good topic for discussion? 2247 01:57:03.520 --> 01:57:03.760 Yeah? 2248 01:57:04.159 --> 01:57:07.039 Well, first of all, who is even proposing this? 2249 01:57:08.319 --> 01:57:08.520 Oh? 2250 01:57:08.600 --> 01:57:12.119 I forget, it's the Democratic lawmakers in the in the 2251 01:57:12.760 --> 01:57:13.720 in the legislature. 2252 01:57:15.079 --> 01:57:17.159 You know. Here's the thing. Are you talking about the 2253 01:57:17.159 --> 01:57:18.439 Colorado legislature? 2254 01:57:18.520 --> 01:57:18.680 Right? 2255 01:57:18.880 --> 01:57:21.359 Yes, here's what I want to know. 2256 01:57:22.119 --> 01:57:27.800 Does Colorado do the legislators in Colorado look around and say, 2257 01:57:28.079 --> 01:57:30.800 what's the most unpopular thing in the world? Right now, 2258 01:57:31.159 --> 01:57:33.560 what's the stupidest thing in the world right now? 2259 01:57:33.960 --> 01:57:36.079 What can ruin our state faster? 2260 01:57:36.640 --> 01:57:40.199 And how can we look like complete frickin idiots? 2261 01:57:41.199 --> 01:57:42.560 I know what, Let's do this. 2262 01:57:43.199 --> 01:57:46.880 It's like, I don't know who elected these morons because 2263 01:57:46.920 --> 01:57:48.880 when I look around this state, I don't see that 2264 01:57:48.920 --> 01:57:51.439 many morons. I don't see that many idiots. 2265 01:57:51.880 --> 01:57:55.640 But our legislature we are more liberal than California ever 2266 01:57:55.680 --> 01:57:58.520 wanted to be. And I swear to God, It's like, 2267 01:57:59.159 --> 01:58:01.640 it's what's going on on? When are we going to 2268 01:58:01.720 --> 01:58:05.159 actually have the pendulum swing in this state? You know, 2269 01:58:05.760 --> 01:58:10.600 by ally all, by all indications, we are ruining this state. 2270 01:58:11.279 --> 01:58:14.600 We are ruining Denver, we are ruining everything we came 2271 01:58:14.640 --> 01:58:15.479 here to live for. 2272 01:58:16.640 --> 01:58:17.840 So what do I think about it? 2273 01:58:17.920 --> 01:58:18.920 I think it's stupid. 2274 01:58:19.399 --> 01:58:22.560 If somebody is here illegally, they're here illegally. 2275 01:58:22.960 --> 01:58:25.479 If they're looking for a better life, I want them 2276 01:58:25.479 --> 01:58:27.720 to find one. And I also want them to do 2277 01:58:27.800 --> 01:58:31.960 the the asylum if they're if they're eligible and have 2278 01:58:32.119 --> 01:58:37.439 a path to citizenship. I'm not against immigration. I'm an immigrant, 2279 01:58:37.680 --> 01:58:41.279 my parents are immigrant, my parents, we're all immigrants. 2280 01:58:41.479 --> 01:58:42.000 We're all. 2281 01:58:42.159 --> 01:58:46.600 Here's what we're against people coming to this country and 2282 01:58:46.680 --> 01:58:49.319 breaking the law. I don't even think a lot of 2283 01:58:49.319 --> 01:58:52.319 people care that they came here illegally as much as 2284 01:58:52.359 --> 01:58:56.640 they care about getting through. If they're criminals and liars 2285 01:58:56.680 --> 01:58:58.920 and cheats and they come here and do more of 2286 01:58:58.960 --> 01:59:03.600 their dastly deeds, it sucks, It really really sucks. 2287 01:59:03.760 --> 01:59:07.359 Well, you know, I'm not as upset about the drive 2288 01:59:07.479 --> 01:59:11.159 his licenses per se. What I'm worried about is that 2289 01:59:11.199 --> 01:59:14.000 though going to be able to use those to register 2290 01:59:14.079 --> 01:59:16.760 to vote, which is totally. 2291 01:59:16.520 --> 01:59:19.880 Well on God, and tell me something, why would Democrats 2292 01:59:19.920 --> 01:59:22.600 want to do that? You know, isn't the handwriting on 2293 01:59:22.640 --> 01:59:24.199 the wall honest to God? 2294 01:59:24.760 --> 01:59:25.800 I mean, can't we. 2295 01:59:25.680 --> 01:59:27.680 See through these ruses right now? 2296 01:59:28.039 --> 01:59:32.319 Can't we see that there's no other way for them 2297 01:59:32.439 --> 01:59:36.560 other than to rely on thieves and criminals and murderers 2298 01:59:36.920 --> 01:59:37.880 and then other people. 2299 01:59:37.920 --> 01:59:41.359 I'm not saying they're all that, but it's amazing. 2300 01:59:41.640 --> 01:59:44.720 Like when our mayor of Denver says he's going to 2301 01:59:44.960 --> 01:59:47.960 block the people from Ice from coming in and taking 2302 01:59:47.960 --> 01:59:51.520 away people, He's talking about the only people they want 2303 01:59:51.600 --> 01:59:53.960 to take away are thugs and murderers. 2304 01:59:54.319 --> 01:59:55.920 Why is it that we. 2305 01:59:55.840 --> 01:59:59.800 Have politicians in this state that want to protect thieves 2306 01:59:59.840 --> 02:00:00.600 and murderers? 2307 02:00:00.760 --> 02:00:04.520 Why is that? Why? Well, tell me why. How is 2308 02:00:04.560 --> 02:00:05.680 that humanitarian? 2309 02:00:06.239 --> 02:00:10.640 How about protecting the citizens for God's sakes, how about 2310 02:00:10.680 --> 02:00:14.880 protecting the citizens? How about doing your job and representing 2311 02:00:14.920 --> 02:00:19.119 the electorate, the people who elected you the electorate. 2312 02:00:19.760 --> 02:00:23.960 It's just amazing to me. I think that people have 2313 02:00:24.039 --> 02:00:26.880 come from here, we have come. First of all, we 2314 02:00:26.880 --> 02:00:30.960 were overly conservative, then we swung overly liberal. And why 2315 02:00:30.960 --> 02:00:33.880 can't we just have it somewhere in the middle. Because 2316 02:00:33.960 --> 02:00:37.880 lopsided government. We have a very dangerous set of lawmakers 2317 02:00:37.880 --> 02:00:40.039 in this state, very dangerous. 2318 02:00:40.279 --> 02:00:43.960 Now. I will say one thing, there are some good 2319 02:00:44.000 --> 02:00:47.600 things that come from it, from you, and that is 2320 02:00:47.800 --> 02:00:50.359 when it comes to consumer stuff and tenants. 2321 02:00:50.680 --> 02:00:52.720 Some of the things they did were very, very good 2322 02:00:52.760 --> 02:00:56.119 for them. And I think that you get frozen if 2323 02:00:56.159 --> 02:00:58.880 you're too locked into one side or the other. But 2324 02:00:59.119 --> 02:01:03.640 in any case, there's no side that's completely evil, no 2325 02:01:03.760 --> 02:01:06.600 side that's completely good. All I want to see is 2326 02:01:06.600 --> 02:01:10.840 some balance here. Do you guys, seriously, I know I 2327 02:01:10.880 --> 02:01:13.039 have democrats and liberals listening to my show. 2328 02:01:13.680 --> 02:01:15.880 Do you really like the way the state's going? 2329 02:01:16.319 --> 02:01:18.800 Do you, honest to God, look at Colorado and say 2330 02:01:19.079 --> 02:01:22.479 we're better off for the government we have. Do you 2331 02:01:22.560 --> 02:01:26.600 see that can anyone truly say that we're going in 2332 02:01:26.680 --> 02:01:30.960 the right direction as a state? Is it time to 2333 02:01:30.960 --> 02:01:34.880 try something different? I'm not being hateful, I'm being realistic. 2334 02:01:35.359 --> 02:01:38.520 Isn't it time to say, you know what, let's try 2335 02:01:38.560 --> 02:01:44.039 something different? Three three, seven to one three talk seven one, three, 2336 02:01:44.079 --> 02:01:44.760 eight to five five. 2337 02:01:44.800 --> 02:01:47.359 Mark, you're being curiously silent. What do you think? 2338 02:01:47.840 --> 02:01:48.520 Do you think. 2339 02:01:48.359 --> 02:01:49.439 Colorado is changing? 2340 02:01:49.560 --> 02:01:52.960 For the body who's entitled to their own political views 2341 02:01:53.159 --> 02:01:56.720 and some people it works a democrat? 2342 02:01:58.520 --> 02:02:02.119 Yes, it does. And do you think I'm asking about 2343 02:02:02.119 --> 02:02:05.199 the state. Do you think we're moving in the right direction. 2344 02:02:05.119 --> 02:02:07.920 The state of Colorado? Yeah? 2345 02:02:08.159 --> 02:02:12.039 No, in the correct position. Do you think I think 2346 02:02:12.039 --> 02:02:13.800 we're in a direction period? 2347 02:02:13.880 --> 02:02:14.119 Yes? 2348 02:02:14.239 --> 02:02:18.479 In fact, I was arguing with who was it? Oh, 2349 02:02:18.600 --> 02:02:22.680 Dimitri is sitting next to you. It wasn't really an argument, 2350 02:02:22.720 --> 02:02:26.439 but we were discussing. I think it was Dmitri Governor 2351 02:02:26.520 --> 02:02:33.039 Polis and Polus has actually turned away or vetoed quite 2352 02:02:33.119 --> 02:02:37.520 a few bills that the legislature here is put through 2353 02:02:37.880 --> 02:02:40.000 that I thought was crazy. I mean, all of them, 2354 02:02:40.039 --> 02:02:43.359 from gun stuff to other stuff. But he's actually vetoed 2355 02:02:43.439 --> 02:02:46.520 him and I think about five years ago, I don't 2356 02:02:46.520 --> 02:02:48.960 think he would have vetoed any i'mber whenever he came 2357 02:02:49.000 --> 02:02:49.720 into office. 2358 02:02:50.159 --> 02:02:52.159 So what was the argument with Dmitri. 2359 02:02:52.319 --> 02:02:55.840 Well, he didn't realize. I just think Dmitri didn't realize 2360 02:02:55.880 --> 02:02:59.600 how many things Polis actually vetoed. That he was probably 2361 02:02:59.600 --> 02:03:04.560 glad vetoed is right, Dmitri was let me let me sorry, let. 2362 02:03:04.520 --> 02:03:06.920 Me ask Dmitri here, Dmitri go ahead. 2363 02:03:06.960 --> 02:03:10.119 I think the divergence between Marx and mine opinion was 2364 02:03:10.279 --> 02:03:14.239 that from what I recall, Poulis really hadn't vetoed an 2365 02:03:14.279 --> 02:03:18.399 impressive number of bills. And I think Mark thinks that 2366 02:03:18.520 --> 02:03:21.159 he and I haven't researched it. But I think Mark 2367 02:03:21.279 --> 02:03:24.840 erroneously thinks that Polus vetoed a substantial number of bat. 2368 02:03:24.880 --> 02:03:28.079 Go with a sure thing Denver's best rufer excel roofing 2369 02:03:28.199 --> 02:03:28.800 dot com. 2370 02:03:28.840 --> 02:03:30.840 You don't pay a cent until you're content. 2371 02:03:34.199 --> 02:03:37.760 Time for an insurance checkup free no obligation comparison call 2372 02:03:37.880 --> 02:03:41.199 Compass Insurance paying too much your coverage at dozens of 2373 02:03:41.199 --> 02:03:43.880 insurance companies find out now three oh three, seven to 2374 02:03:43.960 --> 02:03:46.760 seven to one help. You'll think you're his only customer 2375 02:03:46.800 --> 02:03:49.039 when you choose Frank durand the Real Estate Man dot 2376 02:03:49.079 --> 02:03:52.359 com to list your home with Remax Alliance three oh 2377 02:03:52.439 --> 02:03:54.920 three nine two zero sixteen twenty two. 2378 02:04:00.800 --> 02:04:03.159 Helloo, Tom Martinez. 2379 02:04:02.720 --> 02:04:04.199 Here at three oh three, seven to one to three 2380 02:04:04.279 --> 02:04:07.600 talk seven one three eight two five five. 2381 02:04:08.359 --> 02:04:12.039 Somebody says here that there was a lady I don't 2382 02:04:12.079 --> 02:04:15.439 know this is true who won the lottery. She didn't 2383 02:04:15.439 --> 02:04:19.199 tell her husband. She divorced him, and the husband found 2384 02:04:19.199 --> 02:04:24.159 out after the divorce, and she was getting monthly installments 2385 02:04:24.159 --> 02:04:28.039 of sixty eight thousand dollars and the ex husband suit 2386 02:04:28.079 --> 02:04:31.319 her for half. And according to this, the judge was 2387 02:04:31.359 --> 02:04:35.119 so upset with the lady for hiding assets she granted 2388 02:04:35.159 --> 02:04:38.000 the entire amount to him. I don't know if that's possible, 2389 02:04:38.000 --> 02:04:42.119 but anyway, that comes from somebody on a text now, 2390 02:04:42.720 --> 02:04:47.840 speaking of which, a serious question for Jordan Kiano, who's 2391 02:04:47.880 --> 02:04:55.520 here about fixed indextenuities and uh overfunding life insurance. They 2392 02:04:55.600 --> 02:05:00.039 want to know about beneficiaries. Okay, if you if you 2393 02:05:00.079 --> 02:05:04.159 put a benefit sure on that annuity and you don't 2394 02:05:04.199 --> 02:05:07.520 renew it and you forget about it, do you know 2395 02:05:08.199 --> 02:05:10.840 if the estate can change it or not? Do you 2396 02:05:10.880 --> 02:05:11.840 know anything about that? 2397 02:05:12.159 --> 02:05:14.520 You know, that's a little bit more of a gray 2398 02:05:14.520 --> 02:05:17.600 area for me. I know with like typically a situations 2399 02:05:17.600 --> 02:05:20.560 like that, it would go to the estate from my understanding, 2400 02:05:20.880 --> 02:05:24.000 unless you had something in a will or or within 2401 02:05:24.000 --> 02:05:25.720 a trust, which they would have already had that as 2402 02:05:25.760 --> 02:05:27.720 beneficiary most likely for the trust. 2403 02:05:27.760 --> 02:05:28.840 Who do most people name? 2404 02:05:28.880 --> 02:05:28.960 Is? 2405 02:05:29.039 --> 02:05:31.800 Who? To most people name is their beneficiaries their spouse, Yeah, 2406 02:05:31.800 --> 02:05:32.279 their spouse. 2407 02:05:32.359 --> 02:05:33.960 And this is a good rule of thumb that we 2408 02:05:34.039 --> 02:05:36.520 practice as most people should look out on their own 2409 02:05:36.520 --> 02:05:40.199 plans as well. Always have a primary and a contingent, 2410 02:05:40.199 --> 02:05:42.319 at least one of each for this exact reason, because 2411 02:05:42.319 --> 02:05:46.159 a primary would be most likely your spouse or significant other, 2412 02:05:46.399 --> 02:05:50.560 and then the contingent typically children, typically family members thereafter, 2413 02:05:50.600 --> 02:05:52.760 you always want to have those two on there. So 2414 02:05:52.840 --> 02:05:55.359 that is a very big rule at our practice here. 2415 02:05:55.359 --> 02:05:57.399 But that definitely for anybody who has anything out there 2416 02:05:57.399 --> 02:06:00.560 life insurance wise, you know, annuity wise, to make sure 2417 02:06:00.600 --> 02:06:00.880 you haven't. 2418 02:06:00.960 --> 02:06:03.720 And I can answer this one. Somebody else wanted to know, 2419 02:06:04.800 --> 02:06:06.560 can a trust own an annuity? 2420 02:06:07.039 --> 02:06:10.920 And the answer is yes, yep, that is correct. 2421 02:06:11.319 --> 02:06:16.680 Is long yep, they can own an annuity. And then 2422 02:06:16.880 --> 02:06:19.319 this one came in weeks ago, but. 2423 02:06:19.279 --> 02:06:20.479 I put it aside for us. 2424 02:06:21.520 --> 02:06:27.520 They said, I have qualified money already. Now listen very carefully. 2425 02:06:27.680 --> 02:06:30.520 It's not involving you, but I want you to listen. 2426 02:06:31.359 --> 02:06:36.720 They inherited qualified money. That means when you inherit qualified money, 2427 02:06:37.159 --> 02:06:38.000 you don't get to. 2428 02:06:38.039 --> 02:06:39.800 Keep it qualified. 2429 02:06:40.279 --> 02:06:43.039 You have to distribute it over a ten year period 2430 02:06:43.680 --> 02:06:47.479 to yourself. So when you inherit, remember this, because they 2431 02:06:47.479 --> 02:06:49.880 don't want you to inherit, for example, a roth or 2432 02:06:49.920 --> 02:06:53.119 some other kind of tax free money and keep it 2433 02:06:53.159 --> 02:06:57.399 there forever. You have to literally get paid out over 2434 02:06:57.439 --> 02:07:00.600 a ten year period. And for each payment you get paid, 2435 02:07:00.840 --> 02:07:05.319 you have to pay taxes on. So picture someone who 2436 02:07:05.439 --> 02:07:11.439 has an account that they inherited. Okay, let's say it's 2437 02:07:11.479 --> 02:07:15.520 from their dad and it's one hundred grand. They have 2438 02:07:15.640 --> 02:07:19.319 to literally pay themselves out ten thousand a year, or 2439 02:07:19.439 --> 02:07:22.479 fifty thousand for two years, or twenty five thousand for 2440 02:07:22.560 --> 02:07:26.520 four years, whatever, they have to pay themselves out before 2441 02:07:26.600 --> 02:07:27.239 ten years. 2442 02:07:27.399 --> 02:07:29.119 Did you understand that, Jordan. 2443 02:07:29.079 --> 02:07:31.319 Yes, I did. Now that's correct. Yeah. 2444 02:07:31.359 --> 02:07:35.399 Now, one of these people they were put into an annuity. 2445 02:07:36.680 --> 02:07:40.640 And what I want to know is isn't that weird 2446 02:07:40.840 --> 02:07:42.920 or do you think that's not a bad idea. I 2447 02:07:43.000 --> 02:07:45.439 don't know one way or the other. I was told 2448 02:07:45.640 --> 02:07:47.960 that when it goes into an annuity. 2449 02:07:48.039 --> 02:07:53.119 Now she's forced to take that ten percent distribution, that 2450 02:07:53.199 --> 02:07:56.760 ten percent withdrawal every year to make the schedule of 2451 02:07:56.840 --> 02:07:58.039 paying it out to herself. 2452 02:07:58.520 --> 02:08:01.439 But if she does that, does that that's only going 2453 02:08:01.479 --> 02:08:04.279 to extinguish the annuity at the end of the ten years. 2454 02:08:04.880 --> 02:08:06.279 Does that make sense? That does so? 2455 02:08:06.760 --> 02:08:07.960 Was that a wise move or not? 2456 02:08:08.439 --> 02:08:12.079 You know, I think that is a little I personally 2457 02:08:12.119 --> 02:08:14.840 don't think that would be the best route if they 2458 02:08:14.880 --> 02:08:18.920 already are in that phase of getting that money distributed 2459 02:08:18.960 --> 02:08:21.680 to them from their father, let's say, because at that point, 2460 02:08:21.840 --> 02:08:23.239 just like you're saying, you're going to have to pay 2461 02:08:23.279 --> 02:08:26.039 taxes no matter what, you know, you can't defer that anymore. 2462 02:08:26.279 --> 02:08:27.239 And so this happens. 2463 02:08:27.279 --> 02:08:29.560 So let me ask you this, though, So let's say 2464 02:08:29.560 --> 02:08:32.640 they put one hundred grand into an annuity and then 2465 02:08:32.960 --> 02:08:35.039 they have to start drawing it down in a year 2466 02:08:35.119 --> 02:08:39.119 or two by a minimum amount every year. Does the 2467 02:08:39.159 --> 02:08:41.840 rest of the money still keep working for them? And 2468 02:08:41.960 --> 02:08:44.720 is it possible at the end of their ten year 2469 02:08:44.880 --> 02:08:48.279 draw down, is it possible they still have money in 2470 02:08:48.319 --> 02:08:49.399 there from the earnings. 2471 02:08:49.520 --> 02:08:50.199 Yes, it is. 2472 02:08:50.319 --> 02:08:52.760 It is possible because the money will still sit there 2473 02:08:53.119 --> 02:08:55.359 accruing interest just like on that account A and account 2474 02:08:55.359 --> 02:08:56.840 be we were talking about earlier. So you're still going 2475 02:08:56.880 --> 02:08:59.439 to earn growth on that money that's sitting there. But 2476 02:08:59.560 --> 02:09:02.199 the money that they're distributing it and taking out withdrawals, 2477 02:09:02.439 --> 02:09:03.920 that is the money that, as you mentioned, they're going 2478 02:09:03.960 --> 02:09:06.640 to be having taken those distributions and paying those taxes on. 2479 02:09:08.039 --> 02:09:11.279 So yeah, and I think when you said it could 2480 02:09:11.319 --> 02:09:13.159 be in a trust, help me out there. I mean, 2481 02:09:13.199 --> 02:09:16.279 if you had a family trust set up, you're saying 2482 02:09:16.319 --> 02:09:20.239 an annuity could sit in there and pay out forever. 2483 02:09:20.359 --> 02:09:23.199 Then I don't care who dies. It's a trust, it's 2484 02:09:23.439 --> 02:09:28.199 it's an LLC, so that is possible. No, that's not no, no, no, 2485 02:09:28.640 --> 02:09:31.960 it's put into the trust, but it's according to the 2486 02:09:32.199 --> 02:09:35.079 So if I put it into my trust, it just 2487 02:09:35.159 --> 02:09:38.520 means that the money goes to the trust. Okay, it 2488 02:09:38.560 --> 02:09:40.680 won't go trust trust. 2489 02:09:42.000 --> 02:09:44.960 No, it's not like a person where if the trust 2490 02:09:45.039 --> 02:09:46.840 is a lie forever, they're gonna get paid to month. 2491 02:09:47.119 --> 02:09:50.000 What it means is the remainder goes into the trust 2492 02:09:50.520 --> 02:09:53.319 the month that the trust will not get monthly payment. 2493 02:09:53.119 --> 02:09:55.520 Death benefit right, yeah, pay out trust. 2494 02:09:55.600 --> 02:09:58.239 So if you're if your annuity is in a trust. 2495 02:09:59.640 --> 02:10:03.800 You're annuity is paid to you monthly until and then 2496 02:10:03.880 --> 02:10:06.479 when you die, the remainder instead of going to one 2497 02:10:06.520 --> 02:10:10.199 person or one benefit and it goes to your trust, 2498 02:10:11.159 --> 02:10:14.560 and then the trustee would then dictate or the trust 2499 02:10:14.640 --> 02:10:18.399 document what happens to that remainder money. We have more 2500 02:10:18.439 --> 02:10:20.880 coming up on the Troubleshooter Show. Three oh three seven one, 2501 02:10:20.880 --> 02:10:22.039 three eight two five five. 2502 02:10:24.399 --> 02:10:26.880 All right, let me go to Susan real quick before 2503 02:10:26.880 --> 02:10:29.319 we run out of time. Susan, I'm Tom Martinez. What's 2504 02:10:29.359 --> 02:10:29.720 going on? 2505 02:10:31.680 --> 02:10:36.119 Yes, Tom, I was in an accident with minor children 2506 02:10:36.720 --> 02:10:39.680 about three years ago and we're coming to the settlement 2507 02:10:40.359 --> 02:10:44.800 and word has it that we have all the kids'. 2508 02:10:45.079 --> 02:10:49.880 Money must go into probate. So I was wondering if 2509 02:10:49.880 --> 02:10:51.920 there's a difference between trust. 2510 02:10:51.600 --> 02:10:57.439 And yeah, okay, well when they say it goes when Susan, 2511 02:10:58.079 --> 02:11:01.439 when they say it goes into probate, it's not exactly 2512 02:11:01.479 --> 02:11:03.840 the same kind of probate you're thinking about. After that, 2513 02:11:05.079 --> 02:11:09.000 it's it goes, it goes into the probate court, so 2514 02:11:09.039 --> 02:11:12.760 it's not mishandled by other people. If it's earmarked for 2515 02:11:12.800 --> 02:11:18.079 the kids, and each child then Probate court is somewhere 2516 02:11:18.279 --> 02:11:22.800 you go to make distributions and to control it all. 2517 02:11:23.119 --> 02:11:26.079 All it is is a place where if someone disagrees 2518 02:11:26.119 --> 02:11:28.840 with what's being done, they have a place to file 2519 02:11:28.960 --> 02:11:30.039 to question it. 2520 02:11:30.039 --> 02:11:33.760 It's kind of like the oversight. It's not the trustee. 2521 02:11:34.119 --> 02:11:36.680 So but here, I don't think you have a choice. 2522 02:11:37.239 --> 02:11:40.000 You can't take it out of probate. I mean, that's 2523 02:11:40.119 --> 02:11:44.199 just what happens with miners who are awarded these kinds 2524 02:11:44.239 --> 02:11:47.479 of damages. Now do you know if it's one is 2525 02:11:47.520 --> 02:11:50.479 it separated per minor or is it one lump sum? 2526 02:11:50.520 --> 02:11:55.479 Do you know it's it's going to be separate? Well, 2527 02:11:55.520 --> 02:11:58.279 I guess it's that our decisions, our discretion. 2528 02:11:59.600 --> 02:12:03.840 Did they say, Susan, did they tell you you had 2529 02:12:03.880 --> 02:12:06.840 a choice and you could put it in a trust 2530 02:12:06.880 --> 02:12:07.640 if you wanted to. 2531 02:12:09.399 --> 02:12:12.199 No, they just said probate right. 2532 02:12:13.439 --> 02:12:17.920 Right, But you pictured probate court. I know what you pictured. 2533 02:12:18.560 --> 02:12:22.560 Probate is simply the process it goes into here for 2534 02:12:22.640 --> 02:12:25.760 a process. So in other words, you can't form a 2535 02:12:25.800 --> 02:12:28.319 trust and say, oh no, I don't want it going 2536 02:12:28.359 --> 02:12:31.600 to probate instead, I wanted to go to our trust. 2537 02:12:32.439 --> 02:12:33.640 That's not the way it works. 2538 02:12:34.800 --> 02:12:35.199 Got it. 2539 02:12:35.399 --> 02:12:38.479 So what did they tell you about the probate. 2540 02:12:40.960 --> 02:12:47.159 That the kids awards would have to go based off 2541 02:12:47.199 --> 02:12:52.279 of the decision we made on the division of the 2542 02:12:52.279 --> 02:12:57.079 the monetary amounts that each child would get, but one 2543 02:12:57.159 --> 02:13:05.720 child is getting a larger because they sisting extensive. 2544 02:13:07.680 --> 02:13:10.880 Okay, now, let me explain this to you because I 2545 02:13:11.039 --> 02:13:14.159 just I'm getting out my notes from a previous call. 2546 02:13:15.039 --> 02:13:20.239 It's to protect the miners' interest, and miners can't legally 2547 02:13:20.279 --> 02:13:23.159 do any of their own finances. Once they're no longer 2548 02:13:23.239 --> 02:13:26.199 a minor, they don't have to keep it in probate, 2549 02:13:28.479 --> 02:13:32.079 so it just keeps you or the adults around them 2550 02:13:32.119 --> 02:13:35.840 from touching it until they become of age. We can 2551 02:13:36.000 --> 02:13:38.720 explore this more tomorrow if you want, save all your 2552 02:13:38.720 --> 02:13:39.960 problems for me.