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<v Speaker 1>Ripped you needed by, so you don't.

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<v Speaker 2>Have the.

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<v Speaker 3>Welcome running just as nas as the.

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<v Speaker 1>Can Shooter's gonna help.

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<v Speaker 4>Come.

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<v Speaker 1>Man, this is.

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<v Speaker 5>The Troubleshooter Show, now, Tom Martino.

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<v Speaker 2>Okay, I'm Tom Martino. Welcome to the show. Three oh

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<v Speaker 2>three seven one three talk three oh three seven one

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<v Speaker 2>three eight.

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<v Speaker 6>Two five five.

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<v Speaker 2>Welcome morons one and all. And I don't mean you,

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<v Speaker 2>I only call the morons my uh YouTube people. Of course,

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<v Speaker 2>my regular people are smarter than that. And welcome to

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<v Speaker 2>the show. Seriously, we love having you here. We're going

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<v Speaker 2>to solve problems, answer questions, take complaints. UH. If you

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<v Speaker 2>ever get a chance, you should try to talk three all.

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<v Speaker 2>You should try to capture the uh the live show

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<v Speaker 2>on on YouTube afterwards, and you can see a lot

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<v Speaker 2>of times pictures and guests and video of stuff we

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<v Speaker 2>talk about. But welcome to the show on our wonderful

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<v Speaker 2>iHeart family and affiliates, and thank you.

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<v Speaker 7>So what I want to.

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<v Speaker 2>Say is we had a very good discussion yesterday about

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<v Speaker 2>buying decisions and how people are affected by politics buying decisions.

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<v Speaker 7>It wasn't who to vote for and who to avoid.

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<v Speaker 2>It wasn't trying to sway you one way or another,

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<v Speaker 2>but asking does it make a difference. And the vast

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<v Speaker 2>majority after the show as well, the vast majority of

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<v Speaker 2>people said politics absolutely takes they take a position for buying.

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<v Speaker 2>If they know a company is staunch one way or another,

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<v Speaker 2>it will affect them. If they're progressive, they will avoid

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<v Speaker 2>conservative businesses. If they're conservative, they will avoid progressive businesses.

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<v Speaker 2>I was shocked by that. I said, what about the

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<v Speaker 2>product and service, and they said, no, we care about

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<v Speaker 2>the products and service, but we can't do business with

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<v Speaker 2>people who are too far away from our own ideology.

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<v Speaker 2>I once heard an interview from a CIA spy, a

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<v Speaker 2>CIA spy, and he said, when motivating people, when motivating

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<v Speaker 2>people to sway them to their side, when they were

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<v Speaker 2>looking for assets in the CIA, crets money, all of

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<v Speaker 2>those things, all of those things may mean something, but

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<v Speaker 2>the number one recruitment tool was ideology. If you appeal

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<v Speaker 2>to someone's ideology, it didn't matter about money, rewards or anything.

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<v Speaker 2>The number one motivator, according to this spy you can see.

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<v Speaker 7>Them on YouTube.

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<v Speaker 2>By the way, the number one motivator is appealing to

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<v Speaker 2>someone's ideology. The number two, the number two is ego,

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<v Speaker 2>appealing to their ego then rewards monetary rewards, and after

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<v Speaker 2>that coercion, you will do this or your family suffers.

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<v Speaker 7>Blah blah blah.

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<v Speaker 2>But number one is ideology and in buying. Guess what

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<v Speaker 2>in marketing, that's where this came from. Or marketing came

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<v Speaker 2>from this or this came from marketing because I was

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<v Speaker 2>looking up marketing. And for those in business, I get

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<v Speaker 2>a lot of business people listening to my show.

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<v Speaker 7>Guess what.

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<v Speaker 2>The number one motivator for buying is ideology. Now that

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<v Speaker 2>doesn't mean that they try to appeal to your politics

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<v Speaker 2>or religion when it comes to selling you.

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<v Speaker 7>Something, but they do.

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<v Speaker 2>In a way. Ideology stems religion and politics. Ideology could

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<v Speaker 2>be I want to be thin and beautiful, and that

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<v Speaker 2>goes along with ego. So the ideology and the ego

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<v Speaker 2>go together to appeal to people. If I use this product,

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<v Speaker 2>this is how I'm going to look, this is how

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<v Speaker 2>I'm going to be. But ideologically, I'm going to have

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<v Speaker 2>a happy family, I'm going to have a wonderful vacation.

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<v Speaker 2>I'm going to enjoy the game better. I'm going to

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<v Speaker 2>drive and get there better in luxury. See that's that's

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<v Speaker 2>actually an ideology combined with ego reward. What's reward? Well, yeah, reward,

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<v Speaker 2>I say it all the time waterpros dot net. I

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<v Speaker 2>love Waterpros. Here's what I'm going to tell you about that.

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<v Speaker 2>I say, this hour brought to you by water Pros.

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<v Speaker 2>They do whole house water softening and they're combining the

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<v Speaker 2>triple filter reverse osmosis all for thirty one ninety five.

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<v Speaker 2>This would normally from them cost a by five or

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<v Speaker 2>six grand, which is still a screaming deal. But from

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<v Speaker 2>a plumber you pay twelve thousand or more. So what's

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<v Speaker 2>that appealing to reward? You're getting rewarded, you're getting the

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<v Speaker 2>best deal ever, You're getting a great system. Then I say,

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<v Speaker 2>the triple filter reverse osmosis drinking water is good for

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<v Speaker 2>your health. It's good for you, it hydrates better, you

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<v Speaker 2>get rid of all the crap in your water. And

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<v Speaker 2>by the way, that is true, by the way, waterpros

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<v Speaker 2>dot net three oz three eight six two five five

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<v Speaker 2>five four. But ideology, ego, rewarding, coercion. Now would you

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<v Speaker 2>use coercion in marketing? Well, guess what?

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<v Speaker 7>In a way?

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<v Speaker 2>In a way in politics? I mean we hear Kamala

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<v Speaker 2>har Harris say, what does she say that Trump is

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<v Speaker 2>a threat to democracy, a threat to the country. They

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<v Speaker 2>are cohersing you, coersing you. Now Trump says the same thing,

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<v Speaker 2>she's a communist, will bring down our economy. So all

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<v Speaker 2>of these things in life are in marketing, inspiring in politics.

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<v Speaker 2>And one thing I try to do on this show

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<v Speaker 2>seriously is entertain and educate at the same time. But

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<v Speaker 2>it is fascinating to me that buying decisions will come

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<v Speaker 2>down to politics sometimes.

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<v Speaker 7>I also read something else.

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<v Speaker 2>Sixty one percent of the population, more than ever before,

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<v Speaker 2>say they are anxious and a little depressed about the

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<v Speaker 2>upcoming election.

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<v Speaker 7>Well, of course they are, because it's.

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<v Speaker 2>Almost split half and half no matter. So whoever you

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<v Speaker 2>talk to, they're going to be anxious about the other

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<v Speaker 2>one winning. I've never seen this before, has this? This

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<v Speaker 2>has been a little like this, but probably not as much.

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<v Speaker 2>Now I want to ask my guests, and then I'm

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<v Speaker 2>going to the phones. I promise you. I have a

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<v Speaker 2>guest today, and Dan mackenzie is an estate planning attorney. Dan,

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<v Speaker 2>I want to ask you about ideology when it comes

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<v Speaker 2>to a state planning. I'll bet you you find I'll

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<v Speaker 2>bet you you do find bits of ideology.

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<v Speaker 7>Ego definitely reward.

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<v Speaker 2>If you do it this way, you're gonna save on taxes,

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<v Speaker 2>your family will have more money. I mean, can you

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<v Speaker 2>weigh in on these factors when it comes to a

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<v Speaker 2>state planning?

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<v Speaker 6>Yeah, obviously taxes are a big part of our DISCUSSI

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<v Speaker 6>so that's.

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<v Speaker 2>The reward part. There's nourion, coercion, except with family. Maybe Dad,

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<v Speaker 2>you better get this done.

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<v Speaker 7>You never know, right, Yeah, that is true.

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<v Speaker 6>You know obviously people are making gifts to charities or

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<v Speaker 6>causes and you know that.

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<v Speaker 2>But ideology, how about a trust. I don't want my

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<v Speaker 2>kid to get it unless he makes money. I want

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<v Speaker 2>to match. Yeah, we'll hear that, I'll match his salary,

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<v Speaker 2>or I'll do this, or I'll do that. So ideology,

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<v Speaker 2>what about ego? Does ego come into a state planning?

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<v Speaker 8>For sure?

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<v Speaker 7>For sure?

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<v Speaker 6>It's really discussion. Is you know, how do you want

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<v Speaker 6>to be remembered?

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<v Speaker 2>Right?

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<v Speaker 6>I mean that's okay, Yes, so.

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<v Speaker 2>We've got I want the statue erected, not that that

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<v Speaker 2>you probably had that.

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<v Speaker 6>We just had that this week. Actually somebody suggests that possibility.

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<v Speaker 6>So that was WOA the.

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<v Speaker 2>First all right, Now the other thing and Okay, so

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<v Speaker 2>there is a bit of ego or how about this

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<v Speaker 2>kind of ego. I don't want that bastard to have anything,

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<v Speaker 2>oh for sure.

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<v Speaker 6>Oh yeah. And you know, you have situations where it's

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<v Speaker 6>like the kids. We've had people kind of want to

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<v Speaker 6>disinherit kids because of political decisions, right that the kids.

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<v Speaker 7>Aren't wow with them. Right, So it's like, what.

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<v Speaker 2>So I am just fascinated by these revelations. Let me

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<v Speaker 2>go to Diana. Diana, let's talk about your jeep Grand Cherokee.

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<v Speaker 2>See you want to call this show eclectic?

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<v Speaker 7>Huh, this is the definition of it.

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<v Speaker 2>We go from from philosophy to the grand the jeep

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<v Speaker 2>Grand Cherokee. Hey, Diana, what's going on?

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<v Speaker 9>Hey tom My, name's Diana Fliers. So I least a

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<v Speaker 9>jeep Grand Cherokee Overland hybrid. Back in October that vehicles

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<v Speaker 9>had three major issues. The last two made me feel

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<v Speaker 9>like it was a threat to my life in safety.

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<v Speaker 10>Why why Yeah, one was driving up I seventy on

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<v Speaker 10>Veil passed, the vehicle lurched, safety alarms went off, the

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<v Speaker 10>gas cage meter.

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<v Speaker 9>Went crazy, and I was afraid to drive it. And

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<v Speaker 9>it turns out it was some kind of electrical problem.

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<v Speaker 2>Is there a recall on this, not that.

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<v Speaker 10>I know of.

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<v Speaker 9>I was told by the dealership. I guess these Jeep

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<v Speaker 9>hybrids just don't do well at altitude.

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<v Speaker 2>Well, well, damn, what year is it?

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<v Speaker 9>It is a twenty twenty three Jeep Grand Cherokee Overland,

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<v Speaker 9>A seventy five thousand dollars car.

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<v Speaker 7>Oh man, did you did you leave? You leased what?

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<v Speaker 2>I assume you a leased it from New Right?

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<v Speaker 7>Yes?

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<v Speaker 9>Correct?

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<v Speaker 2>Did you just Yeah? It's seventy five thousand dollars.

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<v Speaker 9>Seventy five thousand dollars And that's not even the worst

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<v Speaker 9>that happened to me. I was driving in the middle

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<v Speaker 9>of nowhere in Colorado with no cell phone service on

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<v Speaker 9>July fourth weekend, and the vehicle started having trouble. It

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<v Speaker 9>said that the transmission was overheating, but the temperature gages

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<v Speaker 9>were fine, And then the car started smoking and making

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<v Speaker 9>like air raid bomb over London sounds, and I had

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<v Speaker 9>to abandon it, and like there was no way to

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<v Speaker 9>call the cops, no way to call a tow truck.

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<v Speaker 9>I had to hitch a ride from the middle of

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<v Speaker 9>nowhere into Gunnison to go find a tow truck company.

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<v Speaker 9>I called Stilantis, which is Chrysler. It took like five

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<v Speaker 9>days to get towed. They were so unhelpful and so incompetent,

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<v Speaker 9>and then dealing with them like they've been approving my

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<v Speaker 9>rental car bills and said pay for yourself. We'll reimburse

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<v Speaker 9>you up to seventy dollars a day. And here I

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<v Speaker 9>am three and a half months later, I still don't

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<v Speaker 9>have my jeeps back.

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<v Speaker 7>Wait a minute, Wait a minute, Wait a minute.

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<v Speaker 2>They've had it for three and a half months, three.

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<v Speaker 9>And a half months, and I'm beyond like financially.

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<v Speaker 2>Diana, Diana, what can they have they found the problem

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<v Speaker 2>or are they saying all of these overlands have a

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<v Speaker 2>problem or this particular overland or what.

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<v Speaker 9>They basically said, it needed a whole new engine replacement,

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<v Speaker 9>and it needs a whole new radiator. They were waiting

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<v Speaker 9>for months.

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<v Speaker 7>How many miles do you have on this.

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<v Speaker 10>Like fourteen and change and you need a whole new engine,

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<v Speaker 10>a whole.

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<v Speaker 9>New engine, a whole new radiator. And the dealership finally

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<v Speaker 9>got the engine, but now they don't have a radiator.

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<v Speaker 9>And I'm like, you guys had it for months and

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<v Speaker 9>you couldn't also order the radiator.

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<v Speaker 2>What are you What are you renting for seventy bucks

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<v Speaker 2>a day?

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<v Speaker 9>You can't really rent anything for seventy bucks a day.

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<v Speaker 9>I've been in some pos pias. I would never rent

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<v Speaker 9>from whatever company I can't remember what it was. And

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<v Speaker 9>I'm in anerprise company or enterprise car. They gave me

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<v Speaker 9>a Jeep, but like it's been hell, I have a

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<v Speaker 9>German Shepherd.

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<v Speaker 2>Like Diana, where did you buy? Where did you lease

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<v Speaker 2>this from? What dealer?

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<v Speaker 9>At the time it was Groove Auto and Silverthorne, Colorado.

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<v Speaker 9>I think they've since rebranded like Auto Star or Auto

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<v Speaker 9>Nation or something.

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<v Speaker 2>Oh Man. So it's not really their fault, though, is it.

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<v Speaker 2>It really isn't I.

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<v Speaker 9>Mean not the dealership's fault. I blame Stilantis, Chrysler and Jeep.

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<v Speaker 9>Like I was sold a Lemon, I was problem.

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<v Speaker 2>I won't they replace it for you? You know you're

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<v Speaker 2>beyond You're beyond the Lemon law right now, that's the problem.

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<v Speaker 7>You waited too long.

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<v Speaker 2>Hold on a second, No, we do have Wait a minute.

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<v Speaker 2>We have an attorney who takes cases like this. Kachina.

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<v Speaker 2>You know what I'm talking about. That wonderful woman that

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<v Speaker 2>helped us that attorney that helped us with that cancer victim,

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<v Speaker 2>Reina Raina. Let's talk to Raina. I'd love to talk

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<v Speaker 2>to her about this hold on. We got more coming up.

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<v Speaker 2>I'm troubleshooter Tom Martino three O three seven one three

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<v Speaker 2>talk seven one three eight two five five eight eight eight.

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<v Speaker 2>Heating dot com forty five dollars deep clean, Get it

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<v Speaker 2>done before the real cold comes. You can feel just

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<v Speaker 2>a tiny bit cooler each morning eight eight eight Heating

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<v Speaker 2>dot com. Go with a sure thing Denver's best roofer

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<v Speaker 2>Excel Roofing dot com. You don't pay a cent until

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00:13:39.360 --> 00:13:45.200
<v Speaker 2>you're content. Time for an insurance check up free no

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00:13:45.320 --> 00:13:49.679
<v Speaker 2>obligation comparison call Compass Insurance paying too much your coverage

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00:13:49.679 --> 00:13:52.360
<v Speaker 2>at dozens of insurance companies find out now three oh

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00:13:52.399 --> 00:13:54.879
<v Speaker 2>three seven seven to one help. You'll think you're his

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<v Speaker 2>only customer when you choose Frank durand the real estate

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<v Speaker 2>Man dot com to list your home with Emax Alliance

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<v Speaker 2>three oh three nine two zero sixteen twenty two. Hi

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<v Speaker 2>Tom Martino here, So we're gonna get the jeep Grand

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<v Speaker 2>Cherokee back when we get our attorney on. Later, we're

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<v Speaker 2>gonna get Raina on So Diana, we're gonna get some

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<v Speaker 2>real answers for you.

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<v Speaker 7>Wayne.

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<v Speaker 2>Hi, I'm Tom Martino. Oh my god, this company, jeez,

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<v Speaker 2>I okay, talk about from hero to zero. Talk about

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<v Speaker 2>a bad company that used to be a great company.

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<v Speaker 2>That's the that's the disheartening part of it. They used

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<v Speaker 2>to be a great company. Champion to loser, Champion to loser.

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<v Speaker 2>Tell me about your problem. Maybe maybe I jumped a gun.

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<v Speaker 2>Maybe maybe they're not even a fault. But when I

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<v Speaker 2>see the name Champion, I say, never got complaints. Three

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<v Speaker 2>years ago, all hell broke loose. And then when they

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<v Speaker 2>were purchased by this private equity firm, forget it, they

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<v Speaker 2>just suck. Go ahead, tell me what's going on.

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<v Speaker 11>Back on September first, my wife pointed out that under

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<v Speaker 11>our sliding glass dooor that we had a Champion installback

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<v Speaker 11>on four to fourteen eleven.

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<v Speaker 2>The wait, wait, wait, twenty eleven trucked. Okay, that's gonna

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<v Speaker 2>be hard to go back. Okay, So you had a

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<v Speaker 2>patio door installed in April of twenty eleven, and what

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<v Speaker 2>did you notice.

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<v Speaker 11>Just recently, right before we left the country for vacation,

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<v Speaker 11>the boards right underneath the sliding glass stoor are starting

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<v Speaker 11>to buckle and warp and along the edge inside the house.

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<v Speaker 11>Now we see some water damage on the molt cane

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<v Speaker 11>that could get round the frame.

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<v Speaker 2>Let me just let Wayne, let's just unload right now.

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<v Speaker 2>Let me let me give you some And again I

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<v Speaker 2>think I do a service when I tell people what

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<v Speaker 2>I think right up front.

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<v Speaker 7>You, after all this time, you will get no help.

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<v Speaker 7>What's so?

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<v Speaker 2>And and you probably don't deserve help. And here I'm

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<v Speaker 2>gonna tell you the arguments you're gonna make. The one

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<v Speaker 2>argument you're gonna make is if it wasn't right to

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<v Speaker 2>begin with, I should have help because it wasn't right

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<v Speaker 2>to begin with. And there is a statute that goes

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<v Speaker 2>from the time of discovery. But then there's also an

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<v Speaker 2>absolute statute which goes I never heard of one going

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<v Speaker 2>beyond ten years. I don't know Dan, if you know

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<v Speaker 2>about that, but you know, I mean, I can you know.

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<v Speaker 2>There's usually stuff like if you wanted to see on

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<v Speaker 2>breach or something, you know it's from discovery right of

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<v Speaker 2>the breach or discovery of the deal or the defect

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<v Speaker 2>when you.

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<v Speaker 7>Reasonally should have known right, yeah, exactly.

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<v Speaker 2>But I think if you go ten I mean, my

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<v Speaker 2>gut is telling me, no, nobody would. He could not

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<v Speaker 2>go after them if you I'm not saying he wants to.

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<v Speaker 2>But if he did, I mean, it's more than ten years.

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<v Speaker 2>It's it's thirteen or fourteen. It's going it's gonna be

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<v Speaker 2>fourteen years.

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<v Speaker 7>So what would you say the thing.

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<v Speaker 11>Come out four years ago because I had the molding

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<v Speaker 11>on the outside was also showing water damage.

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<v Speaker 2>Now I understand that that's bad. That's actually bad for

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<v Speaker 2>your case because if they came out, you knew you

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<v Speaker 2>had a problem, which means you could have called anyone.

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<v Speaker 7>I'm not Wayne, I'm.

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<v Speaker 2>Trying to shoot holes here to help you. So you

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<v Speaker 2>come up with something strong. Here's what I'm saying, Champion,

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<v Speaker 2>as much as I rated on them just now saying

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<v Speaker 2>blah blah blah, I mean, if they put a door

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<v Speaker 2>in a twenty eleven, I will tell you this. There

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00:17:30.319 --> 00:17:35.759
<v Speaker 2>is maintenance required on doors, Their ceiling required, calking required.

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<v Speaker 2>People think, well, I'm going to have my windows done,

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<v Speaker 2>and then they call me ten years later, fifteen years later,

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<v Speaker 2>and they say, oh.

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<v Speaker 7>These jerks didn't do it right.

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<v Speaker 2>I got moisture all over and they didn't do anything

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<v Speaker 2>to update the calk or update the ceiling. Well, all

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<v Speaker 2>I'm saying is this, I don't think you can blame

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<v Speaker 2>them for anything at this point, especially if you knew

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<v Speaker 2>you had a problem four years ago.

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<v Speaker 7>I just don't think fixed it.

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<v Speaker 11>That's wonderful they came out, because and they came out,

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<v Speaker 11>they repaired it, and I've had my house painted since then. Yeah,

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<v Speaker 11>so maintenance has been done to the house.

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<v Speaker 7>Well, painters should have sealed it as well.

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<v Speaker 2>So here's what I want to know before I went

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<v Speaker 2>on my diatribe. What were you hoping? What were you

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<v Speaker 2>hoping to get? Do you think they owe you something?

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<v Speaker 8>Well? Two things.

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<v Speaker 11>One, I have still the original contract with lifetime warranty.

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<v Speaker 2>That's against the function of the door. That's the function

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<v Speaker 2>of the door.

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<v Speaker 11>But they also installed it, meaning they.

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<v Speaker 8>Took out there.

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<v Speaker 2>There's not a lifetime warranty on install there's not a

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<v Speaker 2>lifetime warranty on installation.

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<v Speaker 7>It's on the product.

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<v Speaker 11>I guess my next step is, is there somebody in

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<v Speaker 11>the color of Springs area you would recommend.

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<v Speaker 8>To pull out the door, reinstall it properly.

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<v Speaker 2>In fly That's what needs to be that's what needs

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<v Speaker 2>to be done. In fact, it would be quicker, better

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00:18:56.799 --> 00:18:59.440
<v Speaker 2>and easier to just do that and get it over with. Now,

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<v Speaker 2>if you want to take a last ditch effort after

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<v Speaker 2>you have that done, let's say it costs fifteen hundred bucks.

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<v Speaker 2>I don't know what it'll cost. I have no idea,

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<v Speaker 2>but you could take them to small claims court and

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<v Speaker 2>say it was never done right to begin with. I

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00:19:14.839 --> 00:19:17.359
<v Speaker 2>think no one would listen to you, but I think

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<v Speaker 2>you could at least try, and you'd feel like, you know,

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<v Speaker 2>at least I tried. Now, as far as Colorado, as

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<v Speaker 2>far as Colorado Springs, I gotta figure this out. I

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00:19:27.920 --> 00:19:29.839
<v Speaker 2>know we have good people down there. I got to

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<v Speaker 2>look at my referral list for the Springs area, which

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<v Speaker 2>you could easily do. Let's see referral list. That's what

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<v Speaker 2>you need. Though, you absolutely need someone in the Springs

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<v Speaker 2>to reinstall it, you know, I don't know. I don't

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<v Speaker 2>think K and H goes down there. That would be

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<v Speaker 2>a company. Another one would be Genesis. I don't think

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<v Speaker 2>they go to the Springs. Genesis tootal Exteriors dot com.

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<v Speaker 2>He does everything. I just have to see it's it's

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<v Speaker 2>really any kind of good window company, And I'm trying

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<v Speaker 2>to think because I know we have good people down there.

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<v Speaker 2>Let me see I'm looking right now.

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<v Speaker 11>Okay, I can do some research on that. I just

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<v Speaker 11>and I did look on your referral list. I didn't

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<v Speaker 11>see anybody for this area.

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<v Speaker 7>Okay.

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<v Speaker 11>My question was whether or not I had a leg

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<v Speaker 11>to stand.

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<v Speaker 7>I know you, I know people get pit listen.

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<v Speaker 2>You know what's funny is I have a service I

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<v Speaker 2>provide where I can show you I've recovered hundreds of millions.

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<v Speaker 7>Of dollars for people over the years.

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<v Speaker 2>But people get pissed off at me and they go

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<v Speaker 2>on Yelp where they go on reviews and put bad

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00:20:42.640 --> 00:20:44.839
<v Speaker 2>reviews down if I don't help them because they don't

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00:20:44.920 --> 00:20:48.920
<v Speaker 2>like hearing. They do not like hearing the truth. They

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00:20:48.960 --> 00:20:51.799
<v Speaker 2>don't They get pissed off when I tell them the truth,

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<v Speaker 2>even if it ends up being the truth. They just

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00:20:54.079 --> 00:20:56.200
<v Speaker 2>are pissed off that I gave him that bad news

388
00:20:56.440 --> 00:20:58.839
<v Speaker 2>and they say he didn't help me at all. By

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<v Speaker 2>the way, I did you know the construction down in

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<v Speaker 2>the springs.

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00:21:02.200 --> 00:21:03.240
<v Speaker 7>They're pretty good people.

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<v Speaker 2>Just that that's one I'm looking as I'm talking to you.

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<v Speaker 2>But in any case, I don't I understand why you're upset.

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00:21:11.319 --> 00:21:14.160
<v Speaker 2>I kind of do, but I but.

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<v Speaker 11>I'm not truly not. I'm not really upset. I just

396
00:21:17.559 --> 00:21:19.200
<v Speaker 11>if I had an option to do that. I just

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00:21:19.279 --> 00:21:22.160
<v Speaker 11>want to get your opinion on it. And and that's.

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<v Speaker 2>Hey, how about this? Did you try? Did you try

399
00:21:24.119 --> 00:21:25.720
<v Speaker 2>calling him back? By the way, for the hell of it?

400
00:21:25.799 --> 00:21:30.359
<v Speaker 11>Did you try for since since uh something, since four

401
00:21:30.440 --> 00:21:33.559
<v Speaker 11>years ago, he has been like once no, this September. Yeah,

402
00:21:33.559 --> 00:21:37.920
<v Speaker 11>I've called him multiple times since September and emails back and.

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00:21:37.839 --> 00:21:41.400
<v Speaker 7>Forth, nothing right right, crickets and so.

404
00:21:42.079 --> 00:21:44.559
<v Speaker 11>And then today she finally said we're not going to

405
00:21:44.599 --> 00:21:46.799
<v Speaker 11>do anything. I said, okay, that's what I want to know.

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00:21:46.920 --> 00:21:47.599
<v Speaker 11>Now I can go forward.

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00:21:47.799 --> 00:21:49.240
<v Speaker 7>But would they do something?

408
00:21:49.279 --> 00:21:51.640
<v Speaker 2>And you probably don't want to pay them because they're clowns,

409
00:21:51.880 --> 00:21:54.559
<v Speaker 2>But would they do something if you pay them? Is

410
00:21:54.599 --> 00:21:55.319
<v Speaker 2>what I'm asking?

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<v Speaker 11>No visiting, And off of that, she said, we're not

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00:21:58.880 --> 00:22:02.200
<v Speaker 11>going to honor the warn and and you know they

413
00:22:02.200 --> 00:22:03.839
<v Speaker 11>did it. Seemed like they did a good job.

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<v Speaker 2>Well, they don't have to honor the warranty because there

415
00:22:06.119 --> 00:22:09.599
<v Speaker 2>there must not be anything wrong with the Believe me,

416
00:22:09.799 --> 00:22:12.400
<v Speaker 2>a lifetime warranty is on the product itself. There's not

417
00:22:12.559 --> 00:22:15.720
<v Speaker 2>much that goes wrong, but I will tell you it

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00:22:15.880 --> 00:22:16.200
<v Speaker 2>was good.

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00:22:16.279 --> 00:22:17.680
<v Speaker 11>I actually liked the product.

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00:22:18.039 --> 00:22:21.480
<v Speaker 2>Yeah, it was the installation correct.

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00:22:21.559 --> 00:22:24.640
<v Speaker 7>Yeah, and if you first noticed.

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00:22:24.400 --> 00:22:28.200
<v Speaker 2>The problem four years ago, even that installation wasn't as

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00:22:28.279 --> 00:22:31.559
<v Speaker 2>terrible as some. But thank you for calling it. I'm sorry,

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<v Speaker 2>Like I said, I'm really sorry. I can give you

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00:22:33.519 --> 00:22:35.960
<v Speaker 2>the answer you wanted. Three oh but but as far

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00:22:35.960 --> 00:22:38.799
<v Speaker 2>as referrals go, we have some good people down there.

427
00:22:38.880 --> 00:22:40.519
<v Speaker 2>I would ask K and H if they go down there,

428
00:22:40.599 --> 00:22:41.759
<v Speaker 2>or Genesis as well.

429
00:22:42.799 --> 00:22:43.640
<v Speaker 7>They're great people.

430
00:22:43.680 --> 00:22:47.599
<v Speaker 2>Three zero three seven one three talk seven oh three

431
00:22:47.640 --> 00:22:49.839
<v Speaker 2>eight two five five. By the way, Genesis Total Exteriors

432
00:22:49.880 --> 00:22:52.000
<v Speaker 2>dot com, I really do believe he might go down

433
00:22:52.000 --> 00:22:55.680
<v Speaker 2>there and he does windows and doors and siding and

434
00:22:55.799 --> 00:22:58.680
<v Speaker 2>all of the outside stuff on your house. So if

435
00:22:58.680 --> 00:23:00.720
<v Speaker 2>you ever have storm damage and take care of all

436
00:23:00.720 --> 00:23:04.279
<v Speaker 2>of that. So look up Genesis, tootalexteriorce dot com. We

437
00:23:04.279 --> 00:23:11.400
<v Speaker 2>have more coming right up. Go with a sure thing

438
00:23:11.519 --> 00:23:14.839
<v Speaker 2>Denver's Best roofer Excel Roofing dot com. You don't pay

439
00:23:14.839 --> 00:23:20.920
<v Speaker 2>a cent until you're content. Time for an insurance check

440
00:23:21.039 --> 00:23:24.880
<v Speaker 2>up free, no obligation. In comparison, call Compass insurance paying

441
00:23:24.920 --> 00:23:27.960
<v Speaker 2>too much your coverage at dozens of insurance companies find

442
00:23:27.960 --> 00:23:29.960
<v Speaker 2>out Now three oh three seven seven to one.

443
00:23:30.079 --> 00:23:30.319
<v Speaker 7>Help.

444
00:23:30.480 --> 00:23:33.119
<v Speaker 2>You'll think you're his only customer when you choose Frank

445
00:23:33.200 --> 00:23:35.640
<v Speaker 2>durand the real estate Man dot com to list your

446
00:23:35.680 --> 00:23:38.799
<v Speaker 2>home with Remax Alliance three oh three nine two zero

447
00:23:38.960 --> 00:23:45.359
<v Speaker 2>sixteen twenty two. Hi Tom Martine, your troubleshooter three oh

448
00:23:45.359 --> 00:23:48.440
<v Speaker 2>three seven one three talk three oh three seven one

449
00:23:48.480 --> 00:23:53.920
<v Speaker 2>three eight two five five Denver Regen. By the way,

450
00:23:55.200 --> 00:23:56.839
<v Speaker 2>I'm not going to put Dan on the spot here

451
00:23:56.920 --> 00:23:59.359
<v Speaker 2>mackenzie and ask him if he notices any more hair

452
00:23:59.440 --> 00:24:01.440
<v Speaker 2>growth on the top of my head, but most people do.

453
00:24:01.839 --> 00:24:04.799
<v Speaker 2>I've had some some honest to goodness some stem cell

454
00:24:04.880 --> 00:24:08.000
<v Speaker 2>therapy up there, and it really is. There is really,

455
00:24:08.039 --> 00:24:10.240
<v Speaker 2>honest to god new growth coming in. I feel it.

456
00:24:10.039 --> 00:24:13.640
<v Speaker 2>It's itchy and it's working and it's remarkable. But Denver

457
00:24:13.680 --> 00:24:17.000
<v Speaker 2>Regen also does, of course, joints Denver Regen dot com

458
00:24:17.160 --> 00:24:19.680
<v Speaker 2>for stem cell therapy great value.

459
00:24:20.279 --> 00:24:23.039
<v Speaker 7>Paul, what's going on?

460
00:24:24.400 --> 00:24:30.079
<v Speaker 8>Well, Uh, I am suing a contractor small claims court. Okay,

461
00:24:30.279 --> 00:24:31.680
<v Speaker 8>we've gone you know all through it.

462
00:24:32.079 --> 00:24:35.400
<v Speaker 2>Now tell me the issue. I'm just curious about the issue, Paul.

463
00:24:36.480 --> 00:24:40.640
<v Speaker 8>Uh, we had a backup generator installed in our off

464
00:24:40.680 --> 00:24:45.400
<v Speaker 8>the group cabin. Oh cool okay, did not follow any codes,

465
00:24:46.119 --> 00:24:47.240
<v Speaker 8>could not get it to run.

466
00:24:47.440 --> 00:24:49.240
<v Speaker 7>What was he an electrician?

467
00:24:50.839 --> 00:24:54.920
<v Speaker 8>He claimed you as an electrician electrician that installed it

468
00:24:54.960 --> 00:24:58.640
<v Speaker 8>along with the solar system that he installed. But long

469
00:24:58.680 --> 00:24:59.759
<v Speaker 8>story short, we up.

470
00:24:59.759 --> 00:25:02.559
<v Speaker 2>Oh wait so he had he had the solar system too,

471
00:25:02.680 --> 00:25:03.680
<v Speaker 2>huh okay, keep.

472
00:25:03.519 --> 00:25:07.880
<v Speaker 8>Going correct, and it's the backup system we're having problems with. Well,

473
00:25:07.920 --> 00:25:10.160
<v Speaker 8>we couldn't get him back out to fix it, so

474
00:25:10.240 --> 00:25:13.319
<v Speaker 8>we finally contacted an authorized dealer.

475
00:25:14.400 --> 00:25:19.880
<v Speaker 2>What kind of generator it is? A cooler okay, a

476
00:25:19.880 --> 00:25:21.119
<v Speaker 2>really good one okay.

477
00:25:22.319 --> 00:25:26.640
<v Speaker 8>And the dealer came out and factor authorized dealer and said,

478
00:25:26.680 --> 00:25:30.160
<v Speaker 8>oh wow, we everything's wrong. You have you electricity is wrong?

479
00:25:30.279 --> 00:25:32.640
<v Speaker 2>What was wrong with it to begin with? That you

480
00:25:32.720 --> 00:25:33.519
<v Speaker 2>called for help?

481
00:25:34.759 --> 00:25:38.839
<v Speaker 8>It would never run and we found out they didn't

482
00:25:38.880 --> 00:25:39.880
<v Speaker 8>switch it from.

483
00:25:41.160 --> 00:25:44.319
<v Speaker 2>Uh it never ran at all, or it didn't work properly.

484
00:25:44.960 --> 00:25:47.640
<v Speaker 8>It just wouldn't work properly because it wasn't switched over

485
00:25:47.720 --> 00:25:52.359
<v Speaker 8>to from natural gas to pro pain. But also it.

486
00:25:53.000 --> 00:25:58.119
<v Speaker 2>Wired wrong okay, so so boxes So the guy never

487
00:25:58.160 --> 00:25:58.799
<v Speaker 2>came out.

488
00:25:58.680 --> 00:25:59.359
<v Speaker 7>To fix it.

489
00:25:59.599 --> 00:26:00.279
<v Speaker 2>And who is it?

490
00:26:00.319 --> 00:26:07.000
<v Speaker 7>Installed by Sun Solar off the grid Sun Solar.

491
00:26:06.720 --> 00:26:10.319
<v Speaker 8>Okay, My question is this. Yeah, we've already gone through it.

492
00:26:10.359 --> 00:26:12.880
<v Speaker 8>We've made the contacts. We've given them their thirty days

493
00:26:12.880 --> 00:26:13.839
<v Speaker 8>to come out and fix it.

494
00:26:14.440 --> 00:26:17.000
<v Speaker 2>Well what okay, okay, hold on, so you didn't have

495
00:26:17.079 --> 00:26:18.440
<v Speaker 2>it fixed yet? Is that right?

496
00:26:19.119 --> 00:26:22.000
<v Speaker 8>It has been fixed. We gave them there thirty days

497
00:26:22.000 --> 00:26:22.839
<v Speaker 8>to fix it. They didn't.

498
00:26:22.920 --> 00:26:25.359
<v Speaker 2>We went When you say they're thirty days, it's like

499
00:26:25.400 --> 00:26:27.160
<v Speaker 2>you you read that somewhere.

500
00:26:27.160 --> 00:26:28.640
<v Speaker 7>What do you mean they're thirty days?

501
00:26:29.559 --> 00:26:31.519
<v Speaker 8>We contact them, told them it wasn't.

502
00:26:31.319 --> 00:26:34.599
<v Speaker 2>Working, But what about thirty days? Where did the thirty

503
00:26:34.680 --> 00:26:37.559
<v Speaker 2>days come in? That's what you just thought would be reasonable, right.

504
00:26:37.880 --> 00:26:39.519
<v Speaker 8>Yeah, we thought that would be reasonable to say.

505
00:26:39.599 --> 00:26:42.240
<v Speaker 2>Okay, that's a good assumption. Oh, that's a good assumption.

506
00:26:42.359 --> 00:26:44.759
<v Speaker 8>So what else answer and fix it?

507
00:26:46.480 --> 00:26:46.680
<v Speaker 12>You know?

508
00:26:47.319 --> 00:26:50.039
<v Speaker 8>On advice to my attorney, we're going to small claims court.

509
00:26:50.480 --> 00:26:51.000
<v Speaker 2>Uh huh.

510
00:26:51.599 --> 00:26:55.559
<v Speaker 8>And we're having trouble giving them served. The Sheriff's department

511
00:26:55.559 --> 00:26:57.599
<v Speaker 8>has been out three times and now I have a

512
00:26:57.599 --> 00:27:02.480
<v Speaker 8>private investigator looking for them. And what happens if we

513
00:27:02.519 --> 00:27:03.599
<v Speaker 8>can't get them served?

514
00:27:04.279 --> 00:27:10.319
<v Speaker 7>Okay? Well, yes, and no, the real question, Dan, do

515
00:27:10.359 --> 00:27:10.599
<v Speaker 7>you know?

516
00:27:10.920 --> 00:27:13.519
<v Speaker 2>Let me bring up Dan. Dan McKenzie's an attorney at law,

517
00:27:13.599 --> 00:27:16.519
<v Speaker 2>state planning attorney. But in general, though, if you can't

518
00:27:16.559 --> 00:27:19.759
<v Speaker 2>serve someone, hold on, let me turn that on.

519
00:27:19.799 --> 00:27:20.640
<v Speaker 7>Go ahead, go ahead.

520
00:27:20.640 --> 00:27:23.559
<v Speaker 6>So eventually you can tell the court about your efforts

521
00:27:23.599 --> 00:27:25.440
<v Speaker 6>and what you did, and if you can convince the

522
00:27:25.480 --> 00:27:27.359
<v Speaker 6>court that you've really done everything you need to do,

523
00:27:27.960 --> 00:27:31.079
<v Speaker 6>you could get authorization to serve by publication, which means

524
00:27:31.079 --> 00:27:31.920
<v Speaker 6>publishing a notice.

525
00:27:31.960 --> 00:27:33.079
<v Speaker 7>Does that ever really happen?

526
00:27:33.640 --> 00:27:34.079
<v Speaker 2>It does?

527
00:27:34.200 --> 00:27:36.160
<v Speaker 6>Yeah, if you're really gone, you know, if this person's

528
00:27:36.200 --> 00:27:39.599
<v Speaker 6>really avoiding service, and you know, yeah, if they're really.

529
00:27:39.400 --> 00:27:42.720
<v Speaker 2>But I've never heard of anyone who's impossible to serve.

530
00:27:42.759 --> 00:27:45.000
<v Speaker 2>So tell me what you mean by that, because you

531
00:27:45.039 --> 00:27:47.319
<v Speaker 2>don't have to serve him personally. You can serve someone

532
00:27:47.799 --> 00:27:51.480
<v Speaker 2>like an administrative assistant, a secretary, wife, kid at the door,

533
00:27:51.599 --> 00:27:53.119
<v Speaker 2>or an adult at the door, I think.

534
00:27:53.160 --> 00:27:54.680
<v Speaker 7>But yeah, well.

535
00:27:54.519 --> 00:27:57.640
<v Speaker 8>That's those are the efforts that are being made. You

536
00:27:57.720 --> 00:28:02.640
<v Speaker 8>have a process server, process server. Uh, he's having problems

537
00:28:02.640 --> 00:28:04.559
<v Speaker 8>and weird, we're in contact doing that.

538
00:28:05.240 --> 00:28:07.000
<v Speaker 2>You know some people. Let me tell you what people

539
00:28:07.039 --> 00:28:10.119
<v Speaker 2>have done in the past. I've had process service in

540
00:28:10.160 --> 00:28:12.880
<v Speaker 2>the past for the show that would use an Amazon

541
00:28:12.960 --> 00:28:15.680
<v Speaker 2>box and they would go up to the door and

542
00:28:16.480 --> 00:28:19.279
<v Speaker 2>they didn't put an Amazon uniform on, They did not

543
00:28:19.440 --> 00:28:22.920
<v Speaker 2>lie about anything. They just had an Amazon box ranging

544
00:28:23.000 --> 00:28:26.000
<v Speaker 2>the door, and when he came they pulled it out

545
00:28:26.000 --> 00:28:29.799
<v Speaker 2>of the box. Another one was they would make an

546
00:28:29.799 --> 00:28:33.559
<v Speaker 2>appointment for an estimate and then when he showed up,

547
00:28:33.599 --> 00:28:36.680
<v Speaker 2>they would serve him. So there are ways to do

548
00:28:36.720 --> 00:28:38.200
<v Speaker 2>it if the guy's in business.

549
00:28:39.200 --> 00:28:43.440
<v Speaker 8>Right. But Okay, you've pretty much answered my question, which

550
00:28:43.480 --> 00:28:45.839
<v Speaker 8>is if we've made a lot of reasonable attempts, I

551
00:28:45.920 --> 00:28:47.599
<v Speaker 8>go back to the judge and say we've made these

552
00:28:47.640 --> 00:28:48.599
<v Speaker 8>reasonable attempts.

553
00:28:49.200 --> 00:28:52.160
<v Speaker 2>So I don't think you're going to get publication nowadays.

554
00:28:52.200 --> 00:28:55.440
<v Speaker 2>I mean I personally don't because I think it's a

555
00:28:55.880 --> 00:28:59.039
<v Speaker 2>I don't has anyone tried to make an appointment for

556
00:28:59.079 --> 00:29:05.400
<v Speaker 2>an estimate for first all or system.

557
00:29:06.000 --> 00:29:07.960
<v Speaker 8>I really don't want to answer that, because if that

558
00:29:08.000 --> 00:29:12.079
<v Speaker 8>does happen and he's listening, then he'll a more suspicious.

559
00:29:11.759 --> 00:29:17.039
<v Speaker 2>Okay, cool, all right, I hope you can get a

560
00:29:17.039 --> 00:29:17.960
<v Speaker 2>hold of the guy, you know.

561
00:29:18.119 --> 00:29:19.960
<v Speaker 8>I mean, yeah, okay.

562
00:29:19.720 --> 00:29:23.720
<v Speaker 2>I just I don't blame you. I I like I said,

563
00:29:23.759 --> 00:29:26.079
<v Speaker 2>I I don't blame you for this is where this

564
00:29:26.160 --> 00:29:30.720
<v Speaker 2>pisses me off to But you're how much did it cost?

565
00:29:30.759 --> 00:29:31.759
<v Speaker 2>By the way to fix it.

566
00:29:34.920 --> 00:29:37.960
<v Speaker 8>Eighty eight and fifty three dollars did.

567
00:29:37.839 --> 00:29:39.680
<v Speaker 2>You have so wait wait a minute, how much was

568
00:29:39.799 --> 00:29:41.000
<v Speaker 2>wait wait wait wait wait wait wait?

569
00:29:41.160 --> 00:29:46.200
<v Speaker 8>How much was the generator, the generator itself or the

570
00:29:46.359 --> 00:29:47.200
<v Speaker 8>cost to fix it?

571
00:29:47.640 --> 00:29:48.799
<v Speaker 7>The generator itself?

572
00:29:49.519 --> 00:29:51.759
<v Speaker 2>Like if you if you had it installed by them

573
00:29:51.759 --> 00:29:55.160
<v Speaker 2>to begin with, what would the generator cost itself?

574
00:29:55.160 --> 00:29:56.799
<v Speaker 7>What's the generator part of it?

575
00:29:58.599 --> 00:29:59.839
<v Speaker 8>I'd be about forty five hundred.

576
00:30:00.200 --> 00:30:02.000
<v Speaker 7>You didn't buy a new generator, right.

577
00:30:02.720 --> 00:30:04.119
<v Speaker 8>Yeah, we did buy a new generator.

578
00:30:04.559 --> 00:30:06.400
<v Speaker 7>Well, you're not going to get a new gener I'm

579
00:30:06.400 --> 00:30:08.119
<v Speaker 7>just going to tell you that you got.

580
00:30:08.200 --> 00:30:10.480
<v Speaker 8>We're not looking for a new generator, we're looking to

581
00:30:11.799 --> 00:30:13.200
<v Speaker 8>get the installation fixed.

582
00:30:13.759 --> 00:30:16.319
<v Speaker 7>Yeah, I understand, But what happened to the old generator?

583
00:30:17.880 --> 00:30:19.480
<v Speaker 8>It was gasoline?

584
00:30:20.240 --> 00:30:20.799
<v Speaker 7>Where is it?

585
00:30:22.279 --> 00:30:23.759
<v Speaker 8>Well it was forty years old.

586
00:30:24.359 --> 00:30:25.079
<v Speaker 2>Oh I'm not.

587
00:30:25.000 --> 00:30:25.640
<v Speaker 7>Talking about that.

588
00:30:25.680 --> 00:30:28.200
<v Speaker 2>Hold on, is that the one? No? No, no, What

589
00:30:28.240 --> 00:30:30.640
<v Speaker 2>I meant was, Paul, I'm just trying to give you

590
00:30:30.680 --> 00:30:31.079
<v Speaker 2>some guidance.

591
00:30:31.119 --> 00:30:31.240
<v Speaker 8>Here.

592
00:30:31.519 --> 00:30:33.839
<v Speaker 2>The guy that installed the generator for you, that did

593
00:30:33.839 --> 00:30:37.279
<v Speaker 2>it wrong, This Cohler one. This is the new generator

594
00:30:37.279 --> 00:30:39.000
<v Speaker 2>you're talking about, right, correct?

595
00:30:39.119 --> 00:30:40.039
<v Speaker 7>Okay, that's what I mean.

596
00:30:40.079 --> 00:30:42.559
<v Speaker 2>You didn't buy another one beyond you didn't buy another

597
00:30:42.559 --> 00:30:43.839
<v Speaker 2>one beyond that, right.

598
00:30:43.920 --> 00:30:45.200
<v Speaker 8>No, we just had the installation.

599
00:30:45.519 --> 00:30:49.720
<v Speaker 2>Okay, I gotcha, I gotcha. Okay, okay, Now another thing.

600
00:30:50.039 --> 00:30:52.039
<v Speaker 2>And a judge probably won't bring this up, but a

601
00:30:52.079 --> 00:30:55.079
<v Speaker 2>defendant would, and that is eighty eight hundred. He could

602
00:30:55.160 --> 00:31:00.279
<v Speaker 2>argue was not reasonable because it's you know, I mean.

603
00:31:00.880 --> 00:31:03.319
<v Speaker 2>But but then you can make the argument with your expert.

604
00:31:03.359 --> 00:31:06.000
<v Speaker 2>But seventy five hundred, I believe is the limit anyway

605
00:31:06.039 --> 00:31:08.079
<v Speaker 2>in small claims court. It is.

606
00:31:08.119 --> 00:31:10.720
<v Speaker 8>And that's what we're doing. Okay, excited to be you know.

607
00:31:11.519 --> 00:31:14.000
<v Speaker 2>Let me know, let me know how it goes, because

608
00:31:14.079 --> 00:31:16.640
<v Speaker 2>I think you're on the right track. You seem to

609
00:31:16.640 --> 00:31:21.079
<v Speaker 2>be reasonable, on the right track. And uh yeah, and

610
00:31:21.119 --> 00:31:24.960
<v Speaker 2>then see if you can get served another way. Sometimes mail,

611
00:31:25.319 --> 00:31:27.559
<v Speaker 2>registered mail or certified mail. They'll let you do.

612
00:31:27.839 --> 00:31:29.640
<v Speaker 7>I'm Tom Martinez. We have more coming up.

613
00:31:34.720 --> 00:31:37.960
<v Speaker 2>Go with a sure thing Denver's Best roofer Excel roofing

614
00:31:38.079 --> 00:31:40.720
<v Speaker 2>dot com. You don't pay a cent until you're content.

615
00:31:44.079 --> 00:31:47.279
<v Speaker 2>Time for an insurance check up free, no obligation. In comparison,

616
00:31:47.400 --> 00:31:50.960
<v Speaker 2>call Compass insurance paying too much your coverage at dozens

617
00:31:50.960 --> 00:31:53.720
<v Speaker 2>of insurance companies. Find out now three oh three seven

618
00:31:53.799 --> 00:31:56.640
<v Speaker 2>seven to one. Help. You'll think you're his only customer

619
00:31:56.640 --> 00:31:58.920
<v Speaker 2>when you choose Frank durand the real estate man dot

620
00:31:58.920 --> 00:32:02.240
<v Speaker 2>com to list your home with Remax Alliance three all

621
00:32:02.279 --> 00:32:07.720
<v Speaker 2>three nine two zero sixteen twenty two. Hi Tom Martino

622
00:32:07.799 --> 00:32:11.920
<v Speaker 2>here three all three seven one three talk three all

623
00:32:11.960 --> 00:32:14.839
<v Speaker 2>three seven one three eight two five five Glenn?

624
00:32:14.880 --> 00:32:15.759
<v Speaker 7>Your turn? What's going on?

625
00:32:15.799 --> 00:32:17.599
<v Speaker 2>Glenn? What can I do to help you? Sir?

626
00:32:18.240 --> 00:32:22.880
<v Speaker 13>Yes, yes, Glenn, thanks for taking my call. I heard

627
00:32:22.920 --> 00:32:26.200
<v Speaker 13>you take. Tell me about a doctor that you went

628
00:32:26.240 --> 00:32:27.440
<v Speaker 13>to for your back pain.

629
00:32:28.039 --> 00:32:31.119
<v Speaker 2>Yes, and by the way, I wasn't advocating that people

630
00:32:31.160 --> 00:32:32.119
<v Speaker 2>necessarily go to him.

631
00:32:32.160 --> 00:32:33.279
<v Speaker 7>I loved him and all that.

632
00:32:33.319 --> 00:32:37.720
<v Speaker 2>Of course, but it was the procedure that was FDA approved.

633
00:32:37.720 --> 00:32:40.519
<v Speaker 2>I was one of the first surgeries ever after FDA approval,

634
00:32:41.000 --> 00:32:45.200
<v Speaker 2>and it was remarkable. So it's the procedure more than anything.

635
00:32:45.480 --> 00:32:47.880
<v Speaker 2>I'm not saying the doctor wasn't wonderful, But there are

636
00:32:47.960 --> 00:32:49.640
<v Speaker 2>other doctors who do the procedure.

637
00:32:51.000 --> 00:32:53.720
<v Speaker 13>Well, I'm trying to find one. I've a I've got

638
00:32:53.720 --> 00:32:56.799
<v Speaker 13>a primary physician who's got me running all over town

639
00:32:56.880 --> 00:32:58.880
<v Speaker 13>and every time I go there, they want to start

640
00:32:58.960 --> 00:32:59.759
<v Speaker 13>all over again.

641
00:33:00.119 --> 00:33:03.920
<v Speaker 2>Well, okay, Here's what every surgeon will do. Who's worth

642
00:33:04.559 --> 00:33:07.160
<v Speaker 2>his weight or his salt or her salt, And that

643
00:33:07.279 --> 00:33:10.359
<v Speaker 2>is they do want to start over now, not necessarily

644
00:33:10.400 --> 00:33:14.200
<v Speaker 2>with imaging. If you have adequate imaging, they'll use your imaging,

645
00:33:14.480 --> 00:33:16.599
<v Speaker 2>but they definitely want to examine you. And all that

646
00:33:16.720 --> 00:33:19.000
<v Speaker 2>is that. What what do you mean by starting over, Glenn?

647
00:33:20.039 --> 00:33:27.640
<v Speaker 13>Well, I've had nerve ablation three times, yes, and an excruciating.

648
00:33:26.880 --> 00:33:29.079
<v Speaker 7>Nerve ablation, by the way, helps temporarily.

649
00:33:29.119 --> 00:33:31.839
<v Speaker 2>It's a terrible thing because it causes scar tissue, which

650
00:33:31.880 --> 00:33:34.000
<v Speaker 2>actually causes more trouble with nerves later on.

651
00:33:35.160 --> 00:33:37.640
<v Speaker 13>Yes, I know, I've decided not to ever do that again,

652
00:33:37.680 --> 00:33:38.279
<v Speaker 13>and don't.

653
00:33:38.039 --> 00:33:40.519
<v Speaker 2>Do a fusion. Eighty five percent of them are failures

654
00:33:40.559 --> 00:33:43.519
<v Speaker 2>and the other fifteen percent people are still in pain.

655
00:33:44.799 --> 00:33:47.680
<v Speaker 13>Right right, Well, I've had an implant in my back

656
00:33:47.759 --> 00:33:48.920
<v Speaker 13>now for over a year.

657
00:33:49.119 --> 00:33:50.079
<v Speaker 7>What's the implant do?

658
00:33:50.200 --> 00:33:53.079
<v Speaker 2>Is that a nerve implan to deaden the nerve or

659
00:33:53.119 --> 00:33:53.960
<v Speaker 2>stimulate the nerve.

660
00:33:54.440 --> 00:33:57.000
<v Speaker 13>I've got a little console that I can change.

661
00:33:57.519 --> 00:34:01.400
<v Speaker 2>It distracts the nerve. How many hold on, sir, Glenn?

662
00:34:01.599 --> 00:34:03.200
<v Speaker 2>I feel for you, man, I can hear the pain

663
00:34:03.240 --> 00:34:04.720
<v Speaker 2>in your voice. Hang on, I'll come back. To you,

664
00:34:04.720 --> 00:34:07.079
<v Speaker 2>okay three all three seven one three talks seven one

665
00:34:07.119 --> 00:34:08.719
<v Speaker 2>three eight two five five Okay, I do have some

666
00:34:09.079 --> 00:34:12.159
<v Speaker 2>texts coming in for Dan McKenzie. McKenzie Law does a

667
00:34:12.239 --> 00:34:15.440
<v Speaker 2>state planning and we will talk about that. And you'll

668
00:34:15.480 --> 00:34:18.000
<v Speaker 2>never guess the one question I get every single time

669
00:34:18.039 --> 00:34:21.960
<v Speaker 2>he's on the answer is yes, under certain circumstances. Can

670
00:34:22.000 --> 00:34:24.920
<v Speaker 2>you have a written, handwritten will? Yes, but don't do it.

671
00:34:25.199 --> 00:34:29.119
<v Speaker 2>We'll talk about that and more coming up. Go with

672
00:34:29.199 --> 00:34:32.800
<v Speaker 2>a sure thing Denver's Best roofer Excel Roofing dot com.

673
00:34:32.840 --> 00:34:38.559
<v Speaker 2>You don't pay a cent until you're contenth time for

674
00:34:38.599 --> 00:34:41.760
<v Speaker 2>an insurance check up free, no obligation in comparison, call

675
00:34:41.880 --> 00:34:45.199
<v Speaker 2>Compass Insurance pain too much your coverage at dozens of

676
00:34:45.199 --> 00:34:47.880
<v Speaker 2>insurance companies find out now three oh three seven to

677
00:34:47.960 --> 00:34:50.760
<v Speaker 2>seven to one help. You'll think you're his only customer

678
00:34:50.800 --> 00:34:53.039
<v Speaker 2>when you choose Frank durand the real estate Man dot

679
00:34:53.079 --> 00:34:56.400
<v Speaker 2>com to list your home with Remax Alliance three oh

680
00:34:56.440 --> 00:34:58.480
<v Speaker 2>three nine two zero sixteen twenty.

681
00:34:58.199 --> 00:35:08.199
<v Speaker 14>Two ripped off news neat ad.

682
00:35:08.199 --> 00:35:13.199
<v Speaker 1>That's who you don't have. Come running just as fast

683
00:35:13.239 --> 00:35:19.599
<v Speaker 1>as we can. Shooter's gonna help. Come man, this is.

684
00:35:19.559 --> 00:35:23.719
<v Speaker 5>The trouble Shooter Show. No Tom Martino, Hi.

685
00:35:23.679 --> 00:35:26.719
<v Speaker 2>Tom Martino, You're Troubleshooter three oh three seven on three

686
00:35:26.760 --> 00:35:29.159
<v Speaker 2>Talk seven one three eight two five five. All right,

687
00:35:29.199 --> 00:35:31.119
<v Speaker 2>now listen before we go any further, we have but

688
00:35:31.199 --> 00:35:34.800
<v Speaker 2>Dan McKenzie with us Mackenzie Law. He does wills and probate.

689
00:35:34.840 --> 00:35:37.039
<v Speaker 2>Oh sky, I got to get off of that shot there.

690
00:35:37.159 --> 00:35:40.440
<v Speaker 2>That's that's what you hear is an opening on YouTube

691
00:35:40.440 --> 00:35:44.320
<v Speaker 2>and anyway, so anyway, so welcome, And what we're talking

692
00:35:44.360 --> 00:35:47.559
<v Speaker 2>about are wills and trust and probate and voiding probate

693
00:35:47.599 --> 00:35:50.039
<v Speaker 2>and blah blah blah blah blah. And here's what I

694
00:35:50.039 --> 00:35:52.039
<v Speaker 2>want to know. But somebody wants to know the real

695
00:35:52.440 --> 00:35:55.920
<v Speaker 2>realistic here's what they want to know. Bottom line. I

696
00:35:56.199 --> 00:35:58.159
<v Speaker 2>should just read it, but I don't have in front

697
00:35:58.199 --> 00:36:01.480
<v Speaker 2>of me. They have a pro they have an estate.

698
00:36:01.599 --> 00:36:04.679
<v Speaker 2>It's got some money they want to distribute to three brothers.

699
00:36:05.480 --> 00:36:09.920
<v Speaker 2>But they know they know that their aunt had credit

700
00:36:09.920 --> 00:36:14.480
<v Speaker 2>card bills. So what are the chances they want to

701
00:36:14.519 --> 00:36:17.239
<v Speaker 2>just ignore it? What are the chances the credit card

702
00:36:17.280 --> 00:36:19.480
<v Speaker 2>company would come after them?

703
00:36:19.840 --> 00:36:21.559
<v Speaker 6>I mean, I guess it depends on the amount, but

704
00:36:21.719 --> 00:36:25.559
<v Speaker 6>we frequently get credit card bills in probate processes.

705
00:36:25.079 --> 00:36:27.719
<v Speaker 7>And they do want to be paid, they do, and.

706
00:36:27.760 --> 00:36:29.719
<v Speaker 6>I mean to close that probate out, you're going to

707
00:36:29.800 --> 00:36:31.719
<v Speaker 6>have to file a Swarren statement saying that you have

708
00:36:31.800 --> 00:36:32.920
<v Speaker 6>resolved a credit or claim.

709
00:36:33.000 --> 00:36:35.920
<v Speaker 2>So oh really, so if you committed fraud that would

710
00:36:35.920 --> 00:36:38.519
<v Speaker 2>come back on you if there was a complaint, right.

711
00:36:38.480 --> 00:36:39.840
<v Speaker 6>Yeah, I mean, I don't know if the credit card

712
00:36:39.840 --> 00:36:42.079
<v Speaker 6>company is actually asserted a claim or how long it's

713
00:36:42.119 --> 00:36:42.800
<v Speaker 6>been since the person.

714
00:36:42.960 --> 00:36:44.880
<v Speaker 2>No, they just know about the bills because she was

715
00:36:44.920 --> 00:36:47.360
<v Speaker 2>living high off the hog. Okay, so here's what I

716
00:36:47.400 --> 00:36:51.719
<v Speaker 2>want to know. How would they find out she died?

717
00:36:53.760 --> 00:36:58.079
<v Speaker 6>Well, so you're familiar with the publication notice that we

718
00:36:58.159 --> 00:36:58.719
<v Speaker 6>just talked.

719
00:36:58.480 --> 00:37:00.800
<v Speaker 7>About in the terms of us, Well, are you required

720
00:37:00.840 --> 00:37:01.159
<v Speaker 7>to do that?

721
00:37:01.320 --> 00:37:03.000
<v Speaker 6>If it's been less than a year since a person

722
00:37:03.039 --> 00:37:05.800
<v Speaker 6>passed away, you were required to publish notice. And credit

723
00:37:05.800 --> 00:37:07.840
<v Speaker 6>card companies have people out there looking for those, so.

724
00:37:07.840 --> 00:37:09.239
<v Speaker 2>They do, really, they really.

725
00:37:09.000 --> 00:37:11.639
<v Speaker 6>Do, do other creditors.

726
00:37:12.960 --> 00:37:14.360
<v Speaker 7>Depends on how professional they are.

727
00:37:14.559 --> 00:37:16.480
<v Speaker 6>I mean, it's it's funny because usually those are for

728
00:37:16.519 --> 00:37:18.880
<v Speaker 6>people who are like probably loans from family members or friends.

729
00:37:18.880 --> 00:37:19.480
<v Speaker 7>They're never going to.

730
00:37:19.480 --> 00:37:22.119
<v Speaker 6>See it, right, But yeah, we I mean we often

731
00:37:22.119 --> 00:37:23.719
<v Speaker 6>get credit card bills and provac.

732
00:37:24.480 --> 00:37:26.519
<v Speaker 2>This is a question comes up time and time again.

733
00:37:26.800 --> 00:37:29.119
<v Speaker 2>How do you settle bills? And what if you don't

734
00:37:29.119 --> 00:37:31.400
<v Speaker 2>hear from them? Blah blah blah, what are you obligated

735
00:37:31.440 --> 00:37:33.519
<v Speaker 2>to do? You have to make a good faith effort

736
00:37:33.559 --> 00:37:35.639
<v Speaker 2>to contact him or not or just publish.

737
00:37:35.840 --> 00:37:39.760
<v Speaker 6>Now, this is a strategic decision because you can notify.

738
00:37:39.800 --> 00:37:42.440
<v Speaker 6>You can reach out and notify them, and the benefit

739
00:37:42.480 --> 00:37:43.159
<v Speaker 6>of doing that.

740
00:37:43.239 --> 00:37:44.760
<v Speaker 7>Is that it will give you certainty.

741
00:37:44.880 --> 00:37:46.920
<v Speaker 6>Right, you will know, like I notified them and they

742
00:37:46.920 --> 00:37:48.400
<v Speaker 6>either submitted their bill or they didn't.

743
00:37:48.440 --> 00:37:50.119
<v Speaker 7>But here's the timeline. How much time do you have

744
00:37:50.119 --> 00:37:52.679
<v Speaker 7>to give them? Sixty days that's it.

745
00:37:52.840 --> 00:37:55.599
<v Speaker 2>Yeah, from time of death or time of notification notification.

746
00:37:56.119 --> 00:37:58.519
<v Speaker 6>Yeah, and they have a year after death, Like you

747
00:37:58.519 --> 00:38:00.679
<v Speaker 6>could sit there and wait and not do the notification

748
00:38:00.800 --> 00:38:02.840
<v Speaker 6>and just sit there and wait for the year. And

749
00:38:02.880 --> 00:38:05.880
<v Speaker 6>then after the year has passed, if they haven't done anything, then.

750
00:38:06.239 --> 00:38:09.400
<v Speaker 2>Wait, you don't have to do any notification or any advertising.

751
00:38:09.440 --> 00:38:12.360
<v Speaker 2>You're in published. You have to publish, publish. I am

752
00:38:12.519 --> 00:38:16.559
<v Speaker 2>shocked that they still have a publishing a publishing requirement

753
00:38:16.599 --> 00:38:19.679
<v Speaker 2>in today's day and age, because the publishing requirement is

754
00:38:19.840 --> 00:38:21.559
<v Speaker 2>to where Facebook where.

755
00:38:21.840 --> 00:38:24.760
<v Speaker 6>No, there are minimum requirements for newspapers that circulate in

756
00:38:24.840 --> 00:38:26.760
<v Speaker 6>the county where the person is living. So it's got

757
00:38:26.800 --> 00:38:28.639
<v Speaker 6>to publish once a week. It's got to circulate to

758
00:38:28.679 --> 00:38:29.840
<v Speaker 6>at least. That's ridiculous.

759
00:38:29.920 --> 00:38:34.239
<v Speaker 2>I mean, whoever reads the damn things? I don't even

760
00:38:34.719 --> 00:38:36.440
<v Speaker 2>Where do you publish or where do you do it?

761
00:38:36.440 --> 00:38:37.039
<v Speaker 7>For your clothes?

762
00:38:37.159 --> 00:38:37.719
<v Speaker 2>We do it.

763
00:38:38.079 --> 00:38:40.000
<v Speaker 6>There's there's a lot of local newspapers around.

764
00:38:40.000 --> 00:38:41.480
<v Speaker 7>There's Arora Sentinel, like the.

765
00:38:41.480 --> 00:38:45.559
<v Speaker 2>Glendale Chronicle or something like that. Okay, okay, so there

766
00:38:45.559 --> 00:38:47.599
<v Speaker 2>would be little ones like that, yep, okay.

767
00:38:47.960 --> 00:38:51.679
<v Speaker 7>Then source of revenue. Frankly, now it is a good okay.

768
00:38:51.760 --> 00:38:54.360
<v Speaker 2>So what I want to know is why hasn't someone

769
00:38:54.519 --> 00:38:59.920
<v Speaker 2>entrepreneurial done a universal website that the governments will all use.

770
00:39:00.880 --> 00:39:02.639
<v Speaker 6>I mean, that day is coming and I'm kind of

771
00:39:02.719 --> 00:39:04.639
<v Speaker 6>dreading it because, Frankly, I like you, I like to

772
00:39:04.639 --> 00:39:06.599
<v Speaker 6>publish in a place that they're not going to see it.

773
00:39:06.760 --> 00:39:09.119
<v Speaker 7>Okay, No, I know what you mean. Yeah, all right, now,

774
00:39:09.760 --> 00:39:11.960
<v Speaker 7>let's keep going here.

775
00:39:12.239 --> 00:39:16.519
<v Speaker 2>Glenn. We left off with Glenn. He has had thermal

776
00:39:16.599 --> 00:39:19.599
<v Speaker 2>ablasion surgery. That's where you burn the nerves to keep

777
00:39:19.639 --> 00:39:22.760
<v Speaker 2>the pain from transmitting down the legs or through the body,

778
00:39:23.159 --> 00:39:26.199
<v Speaker 2>and that causes scar tissue and nerves grow back, and

779
00:39:26.239 --> 00:39:29.639
<v Speaker 2>it's it's a very complicated thing. And he has a

780
00:39:29.679 --> 00:39:34.079
<v Speaker 2>stimulator now to distract the nerves, and he's wondering about

781
00:39:34.119 --> 00:39:37.440
<v Speaker 2>my procedure, and I had a procedure where it wasn't fusion.

782
00:39:37.599 --> 00:39:43.039
<v Speaker 2>It is a implant, a titanium implant with a some

783
00:39:43.119 --> 00:39:45.840
<v Speaker 2>kind of plastic disc, and it takes the place of

784
00:39:46.519 --> 00:39:53.719
<v Speaker 2>the uh, the compressed area or the whatever, the bad level,

785
00:39:54.199 --> 00:39:57.920
<v Speaker 2>and it literally bolts above and below much like a

786
00:39:58.039 --> 00:40:01.719
<v Speaker 2>fusion would, except it moves like your back does. And

787
00:40:01.760 --> 00:40:05.679
<v Speaker 2>it really is a piece of artificial spine, that's what

788
00:40:05.719 --> 00:40:08.920
<v Speaker 2>I call it. They literally took out my bad facets,

789
00:40:09.000 --> 00:40:11.119
<v Speaker 2>took them out, put them on the table. I have

790
00:40:11.199 --> 00:40:14.199
<v Speaker 2>a picture of them, and then then put this in

791
00:40:14.320 --> 00:40:18.039
<v Speaker 2>its place. So arthritis can never go back. I can

792
00:40:18.039 --> 00:40:22.519
<v Speaker 2>never be impinged in that area. Again. The thing is

793
00:40:22.559 --> 00:40:24.800
<v Speaker 2>you have to be healthy and have good bone structure

794
00:40:24.840 --> 00:40:25.239
<v Speaker 2>to do it.

795
00:40:26.639 --> 00:40:28.920
<v Speaker 7>And it's approved now.

796
00:40:29.039 --> 00:40:32.920
<v Speaker 2>It's approved in the US for one level, and there's

797
00:40:32.920 --> 00:40:35.320
<v Speaker 2>only certain levels they can do from the mid back down.

798
00:40:35.360 --> 00:40:37.440
<v Speaker 2>They can't do every part of the back, and they

799
00:40:37.480 --> 00:40:42.079
<v Speaker 2>can't do the neck yet, so most men have problems

800
00:40:42.599 --> 00:40:45.400
<v Speaker 2>L four five six or L three four or five.

801
00:40:45.480 --> 00:40:47.199
<v Speaker 7>I don't know where yours is. Do you have more

802
00:40:47.239 --> 00:40:47.960
<v Speaker 7>than one level?

803
00:40:50.519 --> 00:40:52.360
<v Speaker 13>I'm not sure I know what you mean by that.

804
00:40:52.800 --> 00:40:56.639
<v Speaker 2>Okay, Well, usually the pain comes from a level that

805
00:40:56.679 --> 00:40:59.079
<v Speaker 2>they can tell through an MRI, and they'll tell you

806
00:40:59.079 --> 00:41:02.360
<v Speaker 2>you have L four L five compression causing this pain.

807
00:41:02.679 --> 00:41:06.559
<v Speaker 2>You may have other compression, but there's usually one really

808
00:41:06.599 --> 00:41:08.880
<v Speaker 2>bad area. Now, if you're really bad, you might have

809
00:41:08.960 --> 00:41:11.719
<v Speaker 2>three areas. If you have three areas, you cannot yet

810
00:41:11.840 --> 00:41:18.239
<v Speaker 2>get this procedure called tops TOPS from Premium Spine. You

811
00:41:18.280 --> 00:41:21.280
<v Speaker 2>can't get it for three levels. Now, it'll work on

812
00:41:21.360 --> 00:41:24.159
<v Speaker 2>three levels, but they're not yet approved for it. They're

813
00:41:24.199 --> 00:41:27.119
<v Speaker 2>not even approved for two levels yet. I was fortunate

814
00:41:27.199 --> 00:41:29.440
<v Speaker 2>enough that I had one bad level causing most of

815
00:41:29.440 --> 00:41:32.400
<v Speaker 2>the all of the pain, and I was able to

816
00:41:32.440 --> 00:41:36.760
<v Speaker 2>replace the vertebra in that level L four five, therefore

817
00:41:36.920 --> 00:41:39.920
<v Speaker 2>zero pain. Now, so Glenn, you have to know a

818
00:41:39.960 --> 00:41:42.639
<v Speaker 2>little bit about your physiology. That's why they want to

819
00:41:42.679 --> 00:41:44.360
<v Speaker 2>start over. They want to look at your imaging, they

820
00:41:44.400 --> 00:41:46.480
<v Speaker 2>want to see what levels you are, and then they

821
00:41:46.519 --> 00:41:50.159
<v Speaker 2>want to and a lot of them will say this, Okay,

822
00:41:50.199 --> 00:41:52.239
<v Speaker 2>here's what you're going to run into. They might look

823
00:41:52.280 --> 00:41:55.039
<v Speaker 2>at your back and say, you know, Glenn, I think

824
00:41:55.119 --> 00:41:58.119
<v Speaker 2>a decompression surgery would work. I don't think you need

825
00:41:58.119 --> 00:42:02.119
<v Speaker 2>this because good urgins are obligated to do the minimal

826
00:42:02.199 --> 00:42:07.000
<v Speaker 2>procedures first. That's probably why you've had thermal oblations and

827
00:42:07.039 --> 00:42:09.440
<v Speaker 2>why they want a so called as you put a

828
00:42:09.519 --> 00:42:10.079
<v Speaker 2>start over.

829
00:42:10.679 --> 00:42:12.880
<v Speaker 7>Have you actually go ahead?

830
00:42:13.719 --> 00:42:15.599
<v Speaker 13>I've been hoping that you could give me the name

831
00:42:15.639 --> 00:42:16.239
<v Speaker 13>of the doctors.

832
00:42:16.480 --> 00:42:19.079
<v Speaker 2>I can. I can, but I'm telling you it's not

833
00:42:19.199 --> 00:42:22.760
<v Speaker 2>the doc. It's the procedure, meaning that doctor too will

834
00:42:22.840 --> 00:42:27.039
<v Speaker 2>look at what you call starting over. They they're not

835
00:42:27.159 --> 00:42:30.239
<v Speaker 2>just going to put this procedure on you, okay. They

836
00:42:30.280 --> 00:42:34.840
<v Speaker 2>have to evaluate you, and they don't care what previous

837
00:42:34.880 --> 00:42:35.639
<v Speaker 2>doctors have done.

838
00:42:35.920 --> 00:42:37.440
<v Speaker 7>It doesn't matter to them.

839
00:42:37.760 --> 00:42:40.079
<v Speaker 2>In fact, it would be foolhardy for them to say, Okay,

840
00:42:40.119 --> 00:42:42.000
<v Speaker 2>you've already tried all, let's come on in, let's just

841
00:42:42.039 --> 00:42:45.920
<v Speaker 2>put it in you. You don't know how many levels

842
00:42:45.960 --> 00:42:48.719
<v Speaker 2>are involved they need to tell They need all of this.

843
00:42:49.239 --> 00:42:53.079
<v Speaker 2>They'll get your previous records and go buy it. What

844
00:42:53.159 --> 00:42:56.280
<v Speaker 2>I want to know is do you have any clue?

845
00:42:56.280 --> 00:42:59.800
<v Speaker 2>Has anyone ever told you where your compression is how many?

846
00:43:01.360 --> 00:43:04.039
<v Speaker 13>No, I can't get any information from anybody in.

847
00:43:04.039 --> 00:43:06.119
<v Speaker 2>That's well, what do you mean you can't get that information?

848
00:43:06.320 --> 00:43:08.719
<v Speaker 2>You go on your portal and look at your results

849
00:43:08.800 --> 00:43:11.559
<v Speaker 2>and it tells you, I mean, have you had an MRI?

850
00:43:11.760 --> 00:43:12.920
<v Speaker 2>When was your last MRI?

851
00:43:14.199 --> 00:43:16.800
<v Speaker 13>Oh, about a month or two ago?

852
00:43:17.119 --> 00:43:21.119
<v Speaker 2>Okay, Well they uploaded it to a portal whatever group

853
00:43:21.199 --> 00:43:23.960
<v Speaker 2>you worked with, You log in, you download it, and

854
00:43:24.000 --> 00:43:26.039
<v Speaker 2>you look at it. It'll say L four L five

855
00:43:26.119 --> 00:43:29.599
<v Speaker 2>all five. It'll tell you, I mean, are you proactive

856
00:43:29.599 --> 00:43:30.440
<v Speaker 2>about stuff like.

857
00:43:30.400 --> 00:43:30.840
<v Speaker 7>This or not?

858
00:43:31.920 --> 00:43:34.719
<v Speaker 13>Yes? I am. I'm be anymore so I'm about three

859
00:43:34.760 --> 00:43:36.079
<v Speaker 13>steps from a wheelchair.

860
00:43:36.840 --> 00:43:41.679
<v Speaker 2>Listen, Glenn, listen, what portal has your results for your MRI?

861
00:43:44.639 --> 00:43:47.800
<v Speaker 13>A doctor Whittier out of Saint Joseph.

862
00:43:47.960 --> 00:43:52.320
<v Speaker 2>What group is it? Is it Saint Anthony's or Saint Joseph's.

863
00:43:53.079 --> 00:43:55.119
<v Speaker 13>I think it's Saint Joseph.

864
00:43:56.039 --> 00:43:59.239
<v Speaker 7>I don't know who that is. But there is a portal.

865
00:43:59.320 --> 00:44:02.800
<v Speaker 2>You call them and say I want to view my results, okay,

866
00:44:03.280 --> 00:44:07.639
<v Speaker 2>and the radiology report will be very clear and you're

867
00:44:07.639 --> 00:44:10.679
<v Speaker 2>gonna need it anyway to print out for doctors. You

868
00:44:10.719 --> 00:44:14.320
<v Speaker 2>go to and okay, and I'm glad you had it

869
00:44:14.320 --> 00:44:16.719
<v Speaker 2>a month ago. That's gonna be good. And I'm sorry

870
00:44:16.719 --> 00:44:19.280
<v Speaker 2>that you're in so much pain. That's terrible. I can

871
00:44:19.320 --> 00:44:22.920
<v Speaker 2>hear it in your voice. So, Glenn, the doctor Neurosurgery

872
00:44:22.960 --> 00:44:25.639
<v Speaker 2>one is the name of the group. The doctor is

873
00:44:25.679 --> 00:44:27.960
<v Speaker 2>doctor Joshua Beckman B E C.

874
00:44:28.119 --> 00:44:29.159
<v Speaker 7>K M A N.

875
00:44:30.719 --> 00:44:32.000
<v Speaker 13>That's the one I'm looking for.

876
00:44:32.719 --> 00:44:35.280
<v Speaker 7>Yes, that's he. That's the one who did my thing.

877
00:44:35.360 --> 00:44:37.920
<v Speaker 13>And what what hospital is he operating out of?

878
00:44:38.000 --> 00:44:41.199
<v Speaker 7>Saint Anthony's Okay? Spirit?

879
00:44:41.360 --> 00:44:43.719
<v Speaker 2>I think they call it now Common Spirit or something

880
00:44:43.760 --> 00:44:44.000
<v Speaker 2>like that.

881
00:44:45.000 --> 00:44:50.599
<v Speaker 13>Yeah, well, I'm just about I'm healthy. I'm healthy, yes,

882
00:44:50.599 --> 00:44:53.800
<v Speaker 13>except for this problem with my back and it's been

883
00:44:53.840 --> 00:44:56.719
<v Speaker 13>going on to like seven years. And I get sent

884
00:44:56.840 --> 00:44:59.920
<v Speaker 13>over to how old are baby?

885
00:45:00.760 --> 00:45:01.400
<v Speaker 7>You're eighty?

886
00:45:01.599 --> 00:45:04.719
<v Speaker 2>Okay, you really have to have I'm not saying you're

887
00:45:04.760 --> 00:45:06.760
<v Speaker 2>too old, by the way. You have to have really

888
00:45:06.800 --> 00:45:12.239
<v Speaker 2>good bone structure for this. I do, okay, okay, And

889
00:45:13.199 --> 00:45:17.000
<v Speaker 2>so why don't you try making an appointment there Neurosurgery one,

890
00:45:17.280 --> 00:45:21.920
<v Speaker 2>doctor Joshua Beckman. Tell him you're interested in pursuing a

891
00:45:21.960 --> 00:45:26.719
<v Speaker 2>relief possibly TOPS. Have you read about TOPS?

892
00:45:27.400 --> 00:45:27.519
<v Speaker 15>Oh?

893
00:45:28.719 --> 00:45:32.159
<v Speaker 2>So you know nothing about it? Okay, you just heard

894
00:45:32.159 --> 00:45:34.480
<v Speaker 2>about me having it? Okay, did you see my video

895
00:45:34.519 --> 00:45:35.119
<v Speaker 2>on YouTube?

896
00:45:36.239 --> 00:45:36.320
<v Speaker 5>No?

897
00:45:36.480 --> 00:45:36.920
<v Speaker 13>I didn't.

898
00:45:37.159 --> 00:45:38.519
<v Speaker 2>Do you know how to get on YouTube and look

899
00:45:38.559 --> 00:45:40.079
<v Speaker 2>at videos?

900
00:45:41.800 --> 00:45:42.159
<v Speaker 8>Yes?

901
00:45:43.079 --> 00:45:49.119
<v Speaker 2>Okay, Well, if you provide Kachina with an email, I'll

902
00:45:49.119 --> 00:45:51.360
<v Speaker 2>give you a direct link you can click on and

903
00:45:51.400 --> 00:45:55.719
<v Speaker 2>see it. Okay, Okay, it'll help give you some information.

904
00:45:57.800 --> 00:46:01.880
<v Speaker 13>That's good. I was just so impressed with what you

905
00:46:02.000 --> 00:46:04.400
<v Speaker 13>said when you had your procedure done and how it

906
00:46:06.039 --> 00:46:08.320
<v Speaker 13>improved it almost overnight.

907
00:46:08.519 --> 00:46:11.920
<v Speaker 2>Well not overnight, it improved it in the two and

908
00:46:11.960 --> 00:46:14.760
<v Speaker 2>a half hours I was in surgery. When I got

909
00:46:14.800 --> 00:46:18.480
<v Speaker 2>out of surgery, I would have I had so little

910
00:46:18.519 --> 00:46:21.360
<v Speaker 2>pain that I didn't even notice the surgical pain. The

911
00:46:21.440 --> 00:46:23.960
<v Speaker 2>surgical pain was minor compared to what I went in with.

912
00:46:24.159 --> 00:46:26.159
<v Speaker 2>When they said, well you do have surgical pain, right,

913
00:46:26.199 --> 00:46:27.400
<v Speaker 2>and I said, well, of course I do.

914
00:46:27.679 --> 00:46:28.599
<v Speaker 7>It's a little sore.

915
00:46:28.960 --> 00:46:31.840
<v Speaker 2>I was up walking around that night, walking past the

916
00:46:31.960 --> 00:46:38.519
<v Speaker 2>rooms and people who were on had fusion done that

917
00:46:38.519 --> 00:46:41.639
<v Speaker 2>couldn't move. And then I walked out of the hospital

918
00:46:41.679 --> 00:46:44.519
<v Speaker 2>the next day, and then I walked around the neighborhood

919
00:46:44.519 --> 00:46:48.880
<v Speaker 2>that afternoon and then I started look at it. I

920
00:46:48.960 --> 00:46:52.079
<v Speaker 2>probably overdid it. I started working out in four weeks.

921
00:46:52.119 --> 00:46:55.320
<v Speaker 2>I mean, my doctor said, wait, but I mean I

922
00:46:55.440 --> 00:46:58.280
<v Speaker 2>was not feeling a bit of pain. I just look

923
00:46:58.800 --> 00:47:01.239
<v Speaker 2>what I'm saying is this. Do what your doctor says,

924
00:47:01.239 --> 00:47:04.519
<v Speaker 2>not what I say. But but it was an amazing thing.

925
00:47:04.800 --> 00:47:07.079
<v Speaker 2>In fact, some of the nurses were upset with me

926
00:47:07.119 --> 00:47:10.000
<v Speaker 2>that I was walking around and I discouraged the people

927
00:47:10.039 --> 00:47:12.360
<v Speaker 2>who had fusion, and I said, well, I'm sorry.

928
00:47:12.440 --> 00:47:13.719
<v Speaker 7>I mean I didn't mean to.

929
00:47:14.000 --> 00:47:16.960
<v Speaker 2>I mean, you know, because they were asking me, when

930
00:47:16.960 --> 00:47:20.400
<v Speaker 2>did you have surgery? I said this morning, and they

931
00:47:20.519 --> 00:47:23.719
<v Speaker 2>or this afternoon or whatever. They couldn't believe it. I mean,

932
00:47:23.960 --> 00:47:26.519
<v Speaker 2>and these guys were in there four days later and

933
00:47:26.559 --> 00:47:30.559
<v Speaker 2>they were in bed. So it's just I don't know why.

934
00:47:30.960 --> 00:47:34.280
<v Speaker 2>In fact, I don't know why anyone anyone does fusion.

935
00:47:34.559 --> 00:47:36.960
<v Speaker 2>I don't know why. I don't know why because I

936
00:47:36.960 --> 00:47:40.679
<v Speaker 2>mean maybe because maybe because they're not candidates for anything else,

937
00:47:40.719 --> 00:47:42.280
<v Speaker 2>and all they want to do is get out of pain.

938
00:47:43.000 --> 00:47:46.559
<v Speaker 2>And I truly feel for them. So have a great day.

939
00:47:46.719 --> 00:47:48.239
<v Speaker 2>Let me know if you need anything else. If you

940
00:47:48.320 --> 00:47:50.119
<v Speaker 2>leave your email address, I'll give you a link to

941
00:47:50.159 --> 00:47:52.599
<v Speaker 2>that video. Three zero three seven one three A two

942
00:47:52.639 --> 00:47:54.679
<v Speaker 2>five five. If anyone else is listening, they can go

943
00:47:54.719 --> 00:48:00.119
<v Speaker 2>on YouTube and just search it Martino search for premium tops,

944
00:48:00.159 --> 00:48:03.239
<v Speaker 2>procedure back pain whatever, I think. I put a lot

945
00:48:03.280 --> 00:48:06.039
<v Speaker 2>of tags in there. We have a lot coming up

946
00:48:06.039 --> 00:48:08.519
<v Speaker 2>on The Troubleshooter Show three oh three seven one three

947
00:48:08.559 --> 00:48:15.519
<v Speaker 2>talks seven one three eight two five five. Go with

948
00:48:15.599 --> 00:48:19.159
<v Speaker 2>a sure thing Denver's best roofer Excel Roofing dot com.

949
00:48:19.199 --> 00:48:24.840
<v Speaker 2>You don't pay a cent until you're content. Wait time

950
00:48:24.880 --> 00:48:28.719
<v Speaker 2>for an insurance checkup free, no obligation comparison call Compass

951
00:48:28.760 --> 00:48:32.039
<v Speaker 2>Insurance paying too much your coverage at dozens of insurance

952
00:48:32.079 --> 00:48:35.159
<v Speaker 2>companies find out now three oh three seven seven one help.

953
00:48:35.320 --> 00:48:37.960
<v Speaker 2>You'll think you're his only customer when you choose Frank

954
00:48:38.039 --> 00:48:40.480
<v Speaker 2>durand the real estate Man dot com to list your

955
00:48:40.519 --> 00:48:43.639
<v Speaker 2>home with Remax Alliance three oh three nine two zero

956
00:48:43.800 --> 00:48:49.760
<v Speaker 2>sixteen twenty two. Hi Tom Martino, your Troubleshooter three oh

957
00:48:49.840 --> 00:48:53.639
<v Speaker 2>three seven one three talk three oh three seven one

958
00:48:53.679 --> 00:49:01.119
<v Speaker 2>three eight two five five Okay, So uh Bill has

959
00:49:01.159 --> 00:49:03.519
<v Speaker 2>an issue with a window bill?

960
00:49:03.800 --> 00:49:05.440
<v Speaker 7>Welcome, what's happening Bill?

961
00:49:06.320 --> 00:49:06.800
<v Speaker 3>What's up?

962
00:49:07.199 --> 00:49:07.440
<v Speaker 16>Hey?

963
00:49:07.480 --> 00:49:07.840
<v Speaker 8>Listen?

964
00:49:08.360 --> 00:49:13.039
<v Speaker 3>I got a lifetime warranty window from I got him

965
00:49:13.039 --> 00:49:17.159
<v Speaker 3>more for Ken Moon's website years ago. And the balance

966
00:49:17.320 --> 00:49:24.599
<v Speaker 3>spring keeps breaking and it's broken now, and the guy said, well,

967
00:49:25.159 --> 00:49:27.000
<v Speaker 3>we'll replace the window or something.

968
00:49:27.039 --> 00:49:29.199
<v Speaker 2>Now, hold on, man, this is this is a what

969
00:49:29.400 --> 00:49:30.159
<v Speaker 2>kind of window?

970
00:49:30.199 --> 00:49:30.440
<v Speaker 7>Bill?

971
00:49:31.480 --> 00:49:32.039
<v Speaker 3>Mary Mac?

972
00:49:32.119 --> 00:49:35.039
<v Speaker 2>I think I've never heard a Mary Mac?

973
00:49:35.639 --> 00:49:37.159
<v Speaker 3>I think so that's what it is.

974
00:49:37.519 --> 00:49:39.159
<v Speaker 7>How long ago was it installed?

975
00:49:39.960 --> 00:49:40.119
<v Speaker 8>Oh?

976
00:49:40.159 --> 00:49:44.760
<v Speaker 3>I'm thinking around ninety six. But it's it's broken and.

977
00:49:44.719 --> 00:49:48.960
<v Speaker 7>They're still Wait, they're still in business, I believe.

978
00:49:48.679 --> 00:49:54.599
<v Speaker 3>So, But the installer is and I don't know, and

979
00:49:54.639 --> 00:49:57.920
<v Speaker 3>he's talking about replacing the window. And my question is

980
00:49:58.599 --> 00:50:00.639
<v Speaker 3>how much of my responsible of the paint?

981
00:50:01.559 --> 00:50:04.039
<v Speaker 2>Well, Bill, I don't know anything about this. I mean

982
00:50:04.079 --> 00:50:08.119
<v Speaker 2>you're asking let me explain this to you. First and foremost,

983
00:50:08.599 --> 00:50:12.079
<v Speaker 2>who warranted it? Was it the manufacturer or was it

984
00:50:12.079 --> 00:50:16.440
<v Speaker 2>the dealer? That's the first question. The second question is

985
00:50:16.800 --> 00:50:21.199
<v Speaker 2>are they still around? And then then those two questions

986
00:50:21.239 --> 00:50:22.480
<v Speaker 2>are paramount.

987
00:50:24.079 --> 00:50:28.079
<v Speaker 3>Okay, So if we do install the window, should.

988
00:50:27.760 --> 00:50:28.199
<v Speaker 9>I be.

989
00:50:30.079 --> 00:50:32.000
<v Speaker 2>I'm going to ask I'm going to ask this. I'm

990
00:50:32.039 --> 00:50:34.880
<v Speaker 2>going to say the same thing. Is it a manufacturer's

991
00:50:34.920 --> 00:50:37.960
<v Speaker 2>warranty and are they still around? Or was it a

992
00:50:38.119 --> 00:50:41.159
<v Speaker 2>dealer warranty? And are they still around? Which one was it?

993
00:50:42.639 --> 00:50:47.039
<v Speaker 3>Uh? Well, the manufacturer guaranteed it? Because different people have

994
00:50:47.119 --> 00:50:47.440
<v Speaker 3>come out.

995
00:50:47.559 --> 00:50:49.840
<v Speaker 2>Do you have a copy of the guarantee?

996
00:50:50.760 --> 00:50:52.039
<v Speaker 3>I don't think so. I don't know.

997
00:50:52.159 --> 00:50:56.760
<v Speaker 2>Maybe do you have a name of the manufacturer, a

998
00:50:56.920 --> 00:51:02.599
<v Speaker 2>name Mary Mac, Mary m A R Y m Ack.

999
00:51:03.679 --> 00:51:06.679
<v Speaker 3>I think m R I Mack.

1000
00:51:07.440 --> 00:51:13.360
<v Speaker 2>Okay, Mary Mac windows. I can't find anything on Merymack windows.

1001
00:51:13.800 --> 00:51:17.000
<v Speaker 2>So if you're saying they're still in bit, well, let's say, and.

1002
00:51:16.960 --> 00:51:19.280
<v Speaker 3>I might be saying it wrong, but well, my question

1003
00:51:19.400 --> 00:51:21.559
<v Speaker 3>is though, how much am I responsible?

1004
00:51:21.800 --> 00:51:24.519
<v Speaker 2>Okay, okay, you keep asking the same question. I keep

1005
00:51:24.559 --> 00:51:28.519
<v Speaker 2>saying the same thing. It depends on if it was

1006
00:51:28.719 --> 00:51:33.800
<v Speaker 2>a manufacturer's warranty and if the company is still around,

1007
00:51:34.119 --> 00:51:38.119
<v Speaker 2>and what the terms and conditions are of the window.

1008
00:51:38.559 --> 00:51:42.280
<v Speaker 2>So I can't answer you. Bill. You could be responsible

1009
00:51:42.320 --> 00:51:45.800
<v Speaker 2>for one hundred percent of it. You could be responsible

1010
00:51:45.880 --> 00:51:48.920
<v Speaker 2>for just the parts. You could be responsible for just

1011
00:51:49.039 --> 00:51:53.800
<v Speaker 2>the labor. I have no idea. It depends on the

1012
00:51:53.920 --> 00:51:57.559
<v Speaker 2>manufacturer's warranties, terms and conditions.

1013
00:51:57.920 --> 00:51:59.119
<v Speaker 7>That's what it depends on.

1014
00:51:59.400 --> 00:52:02.360
<v Speaker 2>So when you called this person, who did you call

1015
00:52:02.440 --> 00:52:03.159
<v Speaker 2>about the window?

1016
00:52:03.199 --> 00:52:03.679
<v Speaker 7>Who is it?

1017
00:52:04.599 --> 00:52:05.199
<v Speaker 3>Installer?

1018
00:52:06.119 --> 00:52:09.639
<v Speaker 2>What is so the installer that did it in nineteen

1019
00:52:09.800 --> 00:52:11.719
<v Speaker 2>ninety six is still around?

1020
00:52:12.679 --> 00:52:12.920
<v Speaker 5>Right?

1021
00:52:13.760 --> 00:52:17.119
<v Speaker 2>That installer is still around okay. And and what is

1022
00:52:17.199 --> 00:52:18.400
<v Speaker 2>the installer's name?

1023
00:52:19.440 --> 00:52:21.320
<v Speaker 3>It's a buyer's windows.

1024
00:52:21.960 --> 00:52:28.280
<v Speaker 2>Okay, so Buyer's Windows B Y E er S. Yes, Okay,

1025
00:52:28.599 --> 00:52:32.840
<v Speaker 2>call them and ask them is this still covered under

1026
00:52:32.880 --> 00:52:34.400
<v Speaker 2>a manufacturer's warranty?

1027
00:52:34.880 --> 00:52:37.960
<v Speaker 7>Yeah, I'm giving it to you.

1028
00:52:38.559 --> 00:52:43.199
<v Speaker 2>Call buyers and ask them if it's covered under the

1029
00:52:43.239 --> 00:52:47.719
<v Speaker 2>manufacturer's warranty. And under that warranty, how much are you

1030
00:52:47.800 --> 00:52:51.039
<v Speaker 2>responsible for? They'll tell you exactly. They don't want to

1031
00:52:51.199 --> 00:52:52.599
<v Speaker 2>they don't want to get to your house and not

1032
00:52:52.719 --> 00:52:58.960
<v Speaker 2>be paid. Buyer's Windows is the installer? That's amazing if

1033
00:52:58.960 --> 00:53:02.360
<v Speaker 2>they're still around after two eight years. They show a

1034
00:53:02.440 --> 00:53:05.000
<v Speaker 2>place still uncentennial.

1035
00:53:04.639 --> 00:53:06.599
<v Speaker 7>Buyers B E y E R S.

1036
00:53:07.159 --> 00:53:10.920
<v Speaker 2>And I see it. Okay, that's cool. And they they're

1037
00:53:10.960 --> 00:53:13.159
<v Speaker 2>the ones that install the window. You bought it from them,

1038
00:53:13.280 --> 00:53:17.960
<v Speaker 2>right correct? Okay, I'm on their site right now. And Bill,

1039
00:53:18.000 --> 00:53:19.239
<v Speaker 2>I'm not trying to give you a hard time.

1040
00:53:19.280 --> 00:53:19.840
<v Speaker 7>I swear to you.

1041
00:53:19.880 --> 00:53:22.599
<v Speaker 2>I'm trying to get to the bottom. They show nothing.

1042
00:53:22.880 --> 00:53:25.800
<v Speaker 2>They show nothing of the sort here, none of those

1043
00:53:25.840 --> 00:53:30.440
<v Speaker 2>windows you talked about. They show Anderson, Marvin mill Guard.

1044
00:53:30.760 --> 00:53:33.039
<v Speaker 2>And you know what I'd like to do. I want

1045
00:53:33.039 --> 00:53:35.480
<v Speaker 2>you to I want you to hang on, and I

1046
00:53:35.559 --> 00:53:37.599
<v Speaker 2>want to get you a real answer so you don't

1047
00:53:37.599 --> 00:53:41.320
<v Speaker 2>get ripped off because you should be calling Gravina. That

1048
00:53:41.360 --> 00:53:44.599
<v Speaker 2>guy Nick knows about every window known to man. Would

1049
00:53:44.639 --> 00:53:47.360
<v Speaker 2>you call Nick and let's get his professional opinion for Bill?

1050
00:53:47.840 --> 00:53:50.800
<v Speaker 7>Can we do that, Kachina?

1051
00:53:51.360 --> 00:53:51.599
<v Speaker 2>Yes?

1052
00:53:51.760 --> 00:53:52.039
<v Speaker 7>Good?

1053
00:53:52.599 --> 00:53:56.079
<v Speaker 2>Three oh three seven one three talk seven one three

1054
00:53:56.159 --> 00:53:59.559
<v Speaker 2>eight two five five eight eight eight Heating dot Com

1055
00:53:59.559 --> 00:54:03.199
<v Speaker 2>for your forty five dollars Deep Clean. That's right, forty

1056
00:54:03.199 --> 00:54:11.639
<v Speaker 2>five bucks Deep Clean eight eight eight Heating dot com.

1057
00:54:11.840 --> 00:54:15.079
<v Speaker 2>Go with a sure thing Denver's best roofer Excel Roofing

1058
00:54:15.199 --> 00:54:17.840
<v Speaker 2>dot com. You don't pay a cent until you're content.

1059
00:54:21.239 --> 00:54:24.400
<v Speaker 2>Time for an insurance check up free, no obligation comparison

1060
00:54:24.519 --> 00:54:28.079
<v Speaker 2>call Compass Insurance paying too much your coverage at dozens

1061
00:54:28.119 --> 00:54:30.840
<v Speaker 2>of insurance companies find out now three o three seven

1062
00:54:30.840 --> 00:54:33.199
<v Speaker 2>to seven to one help. You'll think you're his only

1063
00:54:33.280 --> 00:54:35.760
<v Speaker 2>customer when you choose Frank Durand the real estate Man

1064
00:54:35.800 --> 00:54:39.199
<v Speaker 2>dot com to list your home with Remax Alliance three

1065
00:54:39.280 --> 00:54:44.920
<v Speaker 2>oh three nine two zero sixteen twenty two. Hi Tom Martino,

1066
00:54:45.000 --> 00:54:48.280
<v Speaker 2>your troubleshooter. Let me go to Nick Gravina at Gravina's

1067
00:54:48.559 --> 00:54:53.440
<v Speaker 2>Gravina's Windows and doors, and that's on West Evans. Nick,

1068
00:54:53.519 --> 00:55:02.480
<v Speaker 2>have you heard of Mirrormac windows? Mer are, I m ack.

1069
00:55:04.079 --> 00:55:06.199
<v Speaker 17>It's not a Mirramac, it's Mirror.

1070
00:55:06.360 --> 00:55:06.639
<v Speaker 7>No.

1071
00:55:06.360 --> 00:55:09.199
<v Speaker 2>No, see that's what I thought he said.

1072
00:55:10.079 --> 00:55:13.719
<v Speaker 7>He said it was mirror. He might be getting that wrong.

1073
00:55:13.760 --> 00:55:17.800
<v Speaker 2>But when I googled Mirrormac, what's really weird?

1074
00:55:17.880 --> 00:55:19.199
<v Speaker 7>When I googled.

1075
00:55:18.760 --> 00:55:26.480
<v Speaker 2>Mirramac r r I m ack, it says Mirrormac windows.

1076
00:55:26.599 --> 00:55:28.719
<v Speaker 7>But there are no Mirramac windows.

1077
00:55:28.800 --> 00:55:32.119
<v Speaker 2>I think they're just using I don't know, I have

1078
00:55:32.280 --> 00:55:35.920
<v Speaker 2>no idea, but it's I can't find a brand called

1079
00:55:36.039 --> 00:55:38.880
<v Speaker 2>Mirramac anywhere. So if you haven't heard of it, for

1080
00:55:38.920 --> 00:55:41.960
<v Speaker 2>God's sakes, you guys handled like fifty lines of windows.

1081
00:55:42.280 --> 00:55:45.320
<v Speaker 2>If you've never heard of it, I'm going to say it,

1082
00:55:45.400 --> 00:55:46.679
<v Speaker 2>they don't exist.

1083
00:55:47.159 --> 00:55:50.079
<v Speaker 17>Well, I mean it's possible they exist. That could also

1084
00:55:50.159 --> 00:55:54.360
<v Speaker 17>possibly be maybe a private label of somebody. You know,

1085
00:55:54.400 --> 00:55:56.559
<v Speaker 17>there's a lot of companies out there that will private

1086
00:55:56.639 --> 00:55:59.119
<v Speaker 17>label and put a different name on it. But I

1087
00:55:59.119 --> 00:56:01.599
<v Speaker 17>would say, if it's an the Denver market, it's probably

1088
00:56:01.679 --> 00:56:02.719
<v Speaker 17>all the Merrimax.

1089
00:56:02.920 --> 00:56:04.519
<v Speaker 7>And it's just that's what I was thinking.

1090
00:56:04.719 --> 00:56:09.400
<v Speaker 2>A Mirrormax. Hey, Bill, is it possible it's a Mirrormax.

1091
00:56:10.519 --> 00:56:14.360
<v Speaker 7>Could be yes, do you have anything written down anywhere,

1092
00:56:14.360 --> 00:56:15.760
<v Speaker 7>an old invoice or anything.

1093
00:56:16.920 --> 00:56:19.320
<v Speaker 3>I don't know. We have to really look at possibly.

1094
00:56:20.199 --> 00:56:25.000
<v Speaker 17>Now, why the buyers, Hey, yeah, I think buyers used

1095
00:56:25.000 --> 00:56:25.880
<v Speaker 17>to do a Merrimax.

1096
00:56:27.119 --> 00:56:30.159
<v Speaker 2>That's what I'm thinking now when you say used to.

1097
00:56:30.480 --> 00:56:31.719
<v Speaker 2>Is a Mirramax still around?

1098
00:56:31.800 --> 00:56:32.039
<v Speaker 6>Nick?

1099
00:56:32.840 --> 00:56:36.159
<v Speaker 17>No, they went under probably about two years ago now.

1100
00:56:36.679 --> 00:56:39.079
<v Speaker 7>So their warranty would be worth nothing anyway.

1101
00:56:39.760 --> 00:56:44.960
<v Speaker 17>Well, they're warranty. So they were bought by Cascade multiple

1102
00:56:45.039 --> 00:56:48.519
<v Speaker 17>years ago. Cascade was bought by Plyjim. Cornerstone bought ply

1103
00:56:48.719 --> 00:56:52.239
<v Speaker 17>Jim in theory, when we still have a Mirramax issue,

1104
00:56:52.239 --> 00:56:55.039
<v Speaker 17>we can go through Cascade depending on what the issue is.

1105
00:56:55.119 --> 00:56:56.719
<v Speaker 7>And Okay, you know what I want you to do.

1106
00:56:56.800 --> 00:56:59.840
<v Speaker 2>Bill, I don't care who you dealt with in nineteen

1107
00:57:00.079 --> 00:57:06.000
<v Speaker 2>sixty nine. I want you to really deal with Gravina

1108
00:57:06.119 --> 00:57:06.559
<v Speaker 2>and Nick.

1109
00:57:06.920 --> 00:57:09.440
<v Speaker 7>I want they'll they'll take a look.

1110
00:57:10.159 --> 00:57:12.960
<v Speaker 3>Okay, Okay, Well I'm going to replace the window I

1111
00:57:13.000 --> 00:57:14.559
<v Speaker 3>just said. Well, get someone's opinion.

1112
00:57:14.800 --> 00:57:17.440
<v Speaker 2>Well, okay, if he might be able to get you

1113
00:57:17.519 --> 00:57:19.920
<v Speaker 2>some warranty, maybe not, but I want you to call him.

1114
00:57:20.159 --> 00:57:22.440
<v Speaker 17>Okay, I'll get the issue at the window.

1115
00:57:24.440 --> 00:57:26.039
<v Speaker 7>Bill, what's the issue with the window?

1116
00:57:26.480 --> 00:57:30.239
<v Speaker 3>Well, the the balance spring keeps breaking. It's broken about

1117
00:57:30.280 --> 00:57:31.320
<v Speaker 3>four or five times.

1118
00:57:31.400 --> 00:57:32.360
<v Speaker 2>Is it a double hung?

1119
00:57:33.519 --> 00:57:33.760
<v Speaker 3>No?

1120
00:57:34.559 --> 00:57:37.360
<v Speaker 17>Are you just down on the show a week ago?

1121
00:57:38.199 --> 00:57:38.400
<v Speaker 2>No?

1122
00:57:38.480 --> 00:57:39.960
<v Speaker 7>I don't think so. Oh are you?

1123
00:57:40.199 --> 00:57:40.440
<v Speaker 2>Bill?

1124
00:57:40.679 --> 00:57:41.239
<v Speaker 7>I'm sorry.

1125
00:57:41.360 --> 00:57:44.599
<v Speaker 3>I called it Buck the windows that you can't access.

1126
00:57:45.280 --> 00:57:46.800
<v Speaker 3>And he asked me if I was a horder.

1127
00:57:47.920 --> 00:57:50.400
<v Speaker 17>Ugh, yeah, he was on the show when I was

1128
00:57:50.440 --> 00:57:52.679
<v Speaker 17>on the show. Yeah, I think it was a merrimax

1129
00:57:52.760 --> 00:57:54.519
<v Speaker 17>and it was a balance issue. I told him it

1130
00:57:54.559 --> 00:57:57.119
<v Speaker 17>could maybe be, you know, if it was an installer

1131
00:57:57.159 --> 00:57:59.880
<v Speaker 17>issue or for screws backed out, maybe kind of rubbing

1132
00:57:59.920 --> 00:58:00.599
<v Speaker 17>on the string.

1133
00:58:00.920 --> 00:58:03.840
<v Speaker 2>Okay, God, you got a memory. Holy crap, Nick, I

1134
00:58:03.920 --> 00:58:06.199
<v Speaker 2>used to think I had the memory. But you're right, Bill.

1135
00:58:06.239 --> 00:58:07.840
<v Speaker 2>I did ask if you're a hoarder. But Bill, I'm

1136
00:58:07.880 --> 00:58:10.519
<v Speaker 2>just gonna give you some bad news. They need access

1137
00:58:10.559 --> 00:58:12.840
<v Speaker 2>to that window. You're not going to get it replaced

1138
00:58:12.840 --> 00:58:13.840
<v Speaker 2>from the outside only.

1139
00:58:14.000 --> 00:58:19.400
<v Speaker 3>Well, no, that one's no problem. Okay, yeah, other windows?

1140
00:58:19.679 --> 00:58:21.199
<v Speaker 2>Do you have a service department?

1141
00:58:21.280 --> 00:58:21.480
<v Speaker 6>Nick?

1142
00:58:22.119 --> 00:58:23.840
<v Speaker 17>Yeah, But if he wants to call down, I'll give

1143
00:58:23.880 --> 00:58:26.519
<v Speaker 17>him my email, which is, you know, Nick at Gravina

1144
00:58:26.559 --> 00:58:28.679
<v Speaker 17>Windows dot com. And if he can send me some

1145
00:58:28.719 --> 00:58:31.320
<v Speaker 17>pictures or we have a text line which is three

1146
00:58:31.440 --> 00:58:33.880
<v Speaker 17>or three Gravina. If he can provide me some pictures,

1147
00:58:33.920 --> 00:58:36.519
<v Speaker 17>maybe I can do a little you know, pre investigation.

1148
00:58:36.599 --> 00:58:38.280
<v Speaker 17>If we can, you have to, we can try to

1149
00:58:38.320 --> 00:58:39.280
<v Speaker 17>get out there for him.

1150
00:58:39.599 --> 00:58:43.320
<v Speaker 3>Okay, okay, it's just a it's a bathroom window that's trusted.

1151
00:58:43.599 --> 00:58:46.199
<v Speaker 2>I wait, we got it, Bill, So did you hear

1152
00:58:46.239 --> 00:58:49.239
<v Speaker 2>three or three Gravinas this text? You can text him

1153
00:58:49.519 --> 00:58:53.719
<v Speaker 2>or you can do his uh email which is Nick

1154
00:58:54.440 --> 00:58:58.519
<v Speaker 2>at Gravina's is it Gravina or Gravina's.

1155
00:58:58.079 --> 00:59:00.920
<v Speaker 17>Gravina right single windows plural?

1156
00:59:01.480 --> 00:59:04.920
<v Speaker 7>But yeah, so Nick at Gravina Windows dot com.

1157
00:59:05.559 --> 00:59:08.639
<v Speaker 3>I can quite remember on your website, right yeah.

1158
00:59:08.840 --> 00:59:11.239
<v Speaker 2>Yeah, But we can get Kitchina, give him, give him

1159
00:59:11.239 --> 00:59:15.519
<v Speaker 2>the web, give him the email address he needs. Email first, Bill, Nick,

1160
00:59:15.639 --> 00:59:19.199
<v Speaker 2>I really appreciate it. Nick Gravina, of course, Gravina's windows

1161
00:59:19.320 --> 00:59:22.760
<v Speaker 2>or and it's Gravina Window dot com. Nine to fifty

1162
00:59:22.760 --> 00:59:26.079
<v Speaker 2>West Evans And they truly are the experts. Fifty lines

1163
00:59:26.079 --> 00:59:28.039
<v Speaker 2>of windows three oh three, four, seven, two eighty four

1164
00:59:28.119 --> 00:59:32.400
<v Speaker 2>sixty two. And yeah, yeah, I've known I've known these

1165
00:59:32.440 --> 00:59:37.559
<v Speaker 2>guys for so so many years. And you can trust

1166
00:59:37.599 --> 00:59:40.559
<v Speaker 2>him Gravina Windows dot Com. Okay, let's go back to

1167
00:59:40.639 --> 00:59:46.719
<v Speaker 2>the phones and we have some texts for uh Dan McKenzie,

1168
00:59:46.800 --> 00:59:51.719
<v Speaker 2>Dan McKenzie estate planning on a trust Dan, Someone said,

1169
00:59:52.400 --> 00:59:55.360
<v Speaker 2>what scenario these people have some real estate and they

1170
00:59:55.360 --> 00:59:58.400
<v Speaker 2>have some home. You know, they have a home, they

1171
00:59:58.400 --> 01:00:01.840
<v Speaker 2>have vehicles, they have artwork. When is a trust used?

1172
01:00:02.079 --> 01:00:04.320
<v Speaker 2>They want to know why? And when is a trust used?

1173
01:00:04.360 --> 01:00:06.480
<v Speaker 2>Why can't they just use a will? And that's a

1174
01:00:06.480 --> 01:00:07.039
<v Speaker 2>good question.

1175
01:00:07.480 --> 01:00:10.400
<v Speaker 6>You absolutely can use a will if you pass away

1176
01:00:10.400 --> 01:00:13.039
<v Speaker 6>in Colorado and have eighty two thousand bucks or real estate.

1177
01:00:13.119 --> 01:00:15.039
<v Speaker 6>To get that stuff transferred, it's going to have to

1178
01:00:15.079 --> 01:00:18.000
<v Speaker 6>go through the court supervised process of probate. So a

1179
01:00:18.159 --> 01:00:20.320
<v Speaker 6>question for you is do you care about that or not?

1180
01:00:20.480 --> 01:00:21.440
<v Speaker 6>And some people don't care.

1181
01:00:21.519 --> 01:00:24.480
<v Speaker 2>They're like, that's fine, okay, But how does the trust

1182
01:00:24.559 --> 01:00:27.760
<v Speaker 2>avoid all of that? What would happen if they have

1183
01:00:27.880 --> 01:00:30.800
<v Speaker 2>a trust? How does it does it bypass everything? They

1184
01:00:30.800 --> 01:00:32.000
<v Speaker 2>don't even go to the court?

1185
01:00:32.199 --> 01:00:35.000
<v Speaker 6>Correct? Because the trust is I compared it to a

1186
01:00:35.000 --> 01:00:37.800
<v Speaker 6>little business for your personal stuff. You're retitling your stuff

1187
01:00:37.800 --> 01:00:40.159
<v Speaker 6>to your trust, which you run as long as you're alive,

1188
01:00:40.760 --> 01:00:42.960
<v Speaker 6>and then when you pass away, the trust is always

1189
01:00:42.960 --> 01:00:45.239
<v Speaker 6>alive and well, so the owner of your house and

1190
01:00:45.440 --> 01:00:48.599
<v Speaker 6>you know, whatever property you just mentioned there is still alive.

1191
01:00:48.719 --> 01:00:50.519
<v Speaker 6>It doesn't have to go through probate. The question is

1192
01:00:50.599 --> 01:00:53.039
<v Speaker 6>just who steps in and runs it, and you put

1193
01:00:53.039 --> 01:00:56.719
<v Speaker 6>that detail in the trust agreement. Okay, that person just

1194
01:00:56.719 --> 01:00:58.960
<v Speaker 6>steps in there. They don't need court authorization, just like

1195
01:00:59.000 --> 01:01:03.440
<v Speaker 6>when you know, Steve Jobs passed away and Tim.

1196
01:01:03.280 --> 01:01:04.239
<v Speaker 7>Cook took over.

1197
01:01:04.320 --> 01:01:07.119
<v Speaker 6>Tim Cook did not need court authorization to take over Apple, right,

1198
01:01:07.159 --> 01:01:09.360
<v Speaker 6>I mean, it's just like he's in there now, he's

1199
01:01:09.400 --> 01:01:11.840
<v Speaker 6>the CEO. The same thing a trustee is like the CEO.

1200
01:01:12.519 --> 01:01:14.679
<v Speaker 6>There are new CEO steps in if you're not here anymore.

1201
01:01:14.719 --> 01:01:16.559
<v Speaker 7>Okay, so the entity stays the same.

1202
01:01:16.639 --> 01:01:18.320
<v Speaker 6>The entity is the saying it's the owner of your

1203
01:01:18.320 --> 01:01:19.440
<v Speaker 6>stuff and it is not debt.

1204
01:01:20.079 --> 01:01:23.280
<v Speaker 2>And when that trust owns that stuff, can it wind

1205
01:01:23.360 --> 01:01:25.719
<v Speaker 2>up after the primary person dies.

1206
01:01:25.559 --> 01:01:28.079
<v Speaker 6>That's usually what that's usually the instruction.

1207
01:01:28.480 --> 01:01:31.039
<v Speaker 2>But it can stay in place for the life of

1208
01:01:31.079 --> 01:01:31.679
<v Speaker 2>the heirs.

1209
01:01:32.000 --> 01:01:34.480
<v Speaker 6>Yeah, it might morph into like more tra like you know,

1210
01:01:34.679 --> 01:01:36.679
<v Speaker 6>a lot of trust. It's like it says, break this

1211
01:01:36.800 --> 01:01:38.480
<v Speaker 6>up into trust for each of our kids after we

1212
01:01:38.519 --> 01:01:41.880
<v Speaker 6>pass away. And now those trusts keep going and you know,

1213
01:01:41.960 --> 01:01:44.599
<v Speaker 6>legally those are separate trusts, but they're all created by

1214
01:01:44.599 --> 01:01:45.239
<v Speaker 6>the same document.

1215
01:01:46.000 --> 01:01:46.719
<v Speaker 7>Very interesting.

1216
01:01:47.639 --> 01:01:49.800
<v Speaker 2>Thank you for texting that, whoever did, because you know,

1217
01:01:49.920 --> 01:01:52.239
<v Speaker 2>I mean, we go over that quite a bit, but

1218
01:01:52.400 --> 01:01:58.800
<v Speaker 2>it is an entity. And again somebody asked me about well,

1219
01:01:58.840 --> 01:02:00.840
<v Speaker 2>I'll get to that in a minute. Here we do

1220
01:02:00.880 --> 01:02:02.719
<v Speaker 2>have some more tests for him, and if you can call,

1221
01:02:02.800 --> 01:02:05.000
<v Speaker 2>you can ask him questions. Two three oh three seven

1222
01:02:05.440 --> 01:02:08.679
<v Speaker 2>one three talks seven one three eight two five five.

1223
01:02:15.719 --> 01:02:18.960
<v Speaker 2>Go with a sure thing Denver's best roofer Excel Roofing

1224
01:02:19.079 --> 01:02:21.719
<v Speaker 2>dot com. You don't pay a cent until you're content,

1225
01:02:23.280 --> 01:02:27.559
<v Speaker 2>wait time for an insurance check up free no obligation

1226
01:02:27.679 --> 01:02:31.559
<v Speaker 2>comparison call Compass Insurance paying too much your coverage at

1227
01:02:31.599 --> 01:02:34.320
<v Speaker 2>dozens of insurance companies find out now three all three

1228
01:02:34.480 --> 01:02:37.079
<v Speaker 2>seven seven to one help. You'll think you're his only

1229
01:02:37.159 --> 01:02:39.639
<v Speaker 2>customer when you choose Frank durand the real estate Man

1230
01:02:39.679 --> 01:02:43.079
<v Speaker 2>dot com to list your home with Remax Alliance three

1231
01:02:43.159 --> 01:02:45.239
<v Speaker 2>all three nine two zero sixteen twenty two.

1232
01:02:48.280 --> 01:02:50.480
<v Speaker 7>Hey Tom Martino, you're troubleshooter.

1233
01:02:51.400 --> 01:02:53.840
<v Speaker 2>Three o three seven one three talks seven one three

1234
01:02:53.880 --> 01:02:57.920
<v Speaker 2>eight two five five. I was talking about excitement to

1235
01:02:57.960 --> 01:03:01.360
<v Speaker 2>come on my show where I'm gonna have a link,

1236
01:03:02.360 --> 01:03:07.480
<v Speaker 2>a public link that'll bring people in to a website

1237
01:03:08.280 --> 01:03:10.000
<v Speaker 2>where they wait in a queue and come on with

1238
01:03:10.079 --> 01:03:13.440
<v Speaker 2>the show without a phone call. They can do it

1239
01:03:13.480 --> 01:03:19.199
<v Speaker 2>through their phone or their computer by simply clicking a

1240
01:03:19.280 --> 01:03:23.400
<v Speaker 2>link or putting a link in their browser. It's going

1241
01:03:23.480 --> 01:03:27.239
<v Speaker 2>to be wonderful. Seriously, I'm taking the show to new heights.

1242
01:03:27.519 --> 01:03:29.840
<v Speaker 2>I'm always on the forefront. Come on. We all know

1243
01:03:29.920 --> 01:03:31.599
<v Speaker 2>that I was the first one to stream in Denver

1244
01:03:32.280 --> 01:03:34.440
<v Speaker 2>three O three seven one three talk seven one three

1245
01:03:34.440 --> 01:03:36.239
<v Speaker 2>eight two five five, the first one to have a

1246
01:03:36.280 --> 01:03:40.159
<v Speaker 2>referral list ever. Think of the first we had on

1247
01:03:40.159 --> 01:03:42.920
<v Speaker 2>this show, the first consumer show ever in the world.

1248
01:03:43.079 --> 01:03:45.159
<v Speaker 2>There aren't any anymore anyway, and there are a few

1249
01:03:45.199 --> 01:03:50.039
<v Speaker 2>copies that tried. But anyway, Drew, Welcome to the show, Drew.

1250
01:03:50.639 --> 01:03:51.039
<v Speaker 7>I did.

1251
01:03:51.119 --> 01:03:53.159
<v Speaker 2>I just want you to know something, Drew. I did

1252
01:03:53.199 --> 01:03:56.559
<v Speaker 2>get your email, and I did get your yet login

1253
01:03:56.639 --> 01:04:00.039
<v Speaker 2>information for your GoFundMe, but I haven't yet had a

1254
01:04:00.119 --> 01:04:03.559
<v Speaker 2>chance to go in and change. I wanted to help

1255
01:04:03.599 --> 01:04:07.800
<v Speaker 2>you rewrite your intro and make it more appealing, and

1256
01:04:07.880 --> 01:04:10.039
<v Speaker 2>I haven't had a chance to do that yet.

1257
01:04:10.280 --> 01:04:11.760
<v Speaker 7>Is that what you're calling about, sir?

1258
01:04:13.119 --> 01:04:17.000
<v Speaker 15>Yes, Tom and in fact do it at truleisure because

1259
01:04:17.480 --> 01:04:20.599
<v Speaker 15>you're doing me a tremendous favor. I've never had a

1260
01:04:20.639 --> 01:04:23.880
<v Speaker 15>computer or a cell phone. I don't know anything about it.

1261
01:04:24.400 --> 01:04:28.519
<v Speaker 15>The librarian said, you might want to switch your phone

1262
01:04:29.079 --> 01:04:30.320
<v Speaker 15>because then they're going to well.

1263
01:04:30.280 --> 01:04:32.440
<v Speaker 7>I don't know. Here's what I You're right.

1264
01:04:32.519 --> 01:04:36.719
<v Speaker 2>I mean, if I put my phone number down though

1265
01:04:36.840 --> 01:04:43.760
<v Speaker 2>on your on your GoFundMe, it may compliment I mean

1266
01:04:43.960 --> 01:04:44.800
<v Speaker 2>complicate things.

1267
01:04:44.960 --> 01:04:45.119
<v Speaker 7>Now.

1268
01:04:45.119 --> 01:04:48.639
<v Speaker 2>I know what your your librarian meant. She said, it's

1269
01:04:48.679 --> 01:04:52.880
<v Speaker 2>going to ask for verification texts, and it's going to

1270
01:04:52.880 --> 01:04:55.039
<v Speaker 2>be complicated if you get the verification.

1271
01:04:55.639 --> 01:04:56.239
<v Speaker 7>I get that.

1272
01:04:56.360 --> 01:04:59.639
<v Speaker 2>So what I think I might do is maybe temporarily

1273
01:04:59.760 --> 01:05:02.679
<v Speaker 2>change the phone number and then put it back to

1274
01:05:02.719 --> 01:05:06.159
<v Speaker 2>your phone number afterwards.

1275
01:05:06.320 --> 01:05:09.639
<v Speaker 15>I don't know, I'm me because I know nothing about it.

1276
01:05:11.159 --> 01:05:14.119
<v Speaker 2>Yeah, I know, looking I'm going to try to help

1277
01:05:14.159 --> 01:05:17.559
<v Speaker 2>you all I can, Drew. I'm I'm going to be

1278
01:05:17.599 --> 01:05:19.400
<v Speaker 2>straight with you though, and this is something I need

1279
01:05:19.440 --> 01:05:21.920
<v Speaker 2>you to know. I'm not so sure you're going to

1280
01:05:21.960 --> 01:05:26.559
<v Speaker 2>get enough money through this GoFundMe site because there are

1281
01:05:26.559 --> 01:05:28.840
<v Speaker 2>a lot of causes people don't care about.

1282
01:05:29.360 --> 01:05:30.239
<v Speaker 7>I don't know how to put that.

1283
01:05:30.280 --> 01:05:32.880
<v Speaker 2>I'm not saying you're not a good person or people

1284
01:05:32.920 --> 01:05:35.159
<v Speaker 2>shouldn't want to help you. I'm going to try to

1285
01:05:35.199 --> 01:05:38.119
<v Speaker 2>make the appeal to where they will want to help you.

1286
01:05:38.199 --> 01:05:43.559
<v Speaker 2>But we have the risk, sir, of them not contributing

1287
01:05:43.599 --> 01:05:45.199
<v Speaker 2>to you. Do you understand that right?

1288
01:05:46.320 --> 01:05:49.199
<v Speaker 15>Yes? Tom? Can I go back to nineteen fifty four

1289
01:05:50.039 --> 01:05:50.440
<v Speaker 15>day c.

1290
01:05:50.679 --> 01:05:51.840
<v Speaker 7>Nineteen fifty four?

1291
01:05:52.000 --> 01:05:54.039
<v Speaker 15>Be sure you're right, then go ahead and do it.

1292
01:05:54.519 --> 01:05:55.480
<v Speaker 15>So that's what we're doing.

1293
01:05:57.119 --> 01:05:59.440
<v Speaker 7>Yeah, Yeah, Okay.

1294
01:06:00.039 --> 01:06:02.000
<v Speaker 15>We're doing We're going to do it when lose or draw.

1295
01:06:02.239 --> 01:06:02.639
<v Speaker 15>Thank you.

1296
01:06:02.960 --> 01:06:05.480
<v Speaker 2>Yeah, and I just hope, like I said, yeah, I

1297
01:06:05.559 --> 01:06:08.440
<v Speaker 2>have your I have your link right here and your login.

1298
01:06:08.519 --> 01:06:11.719
<v Speaker 2>I just wanted to make sure I had him. Drew, listen,

1299
01:06:13.280 --> 01:06:16.760
<v Speaker 2>do you have a contingency plan? Do you have not?

1300
01:06:16.880 --> 01:06:18.760
<v Speaker 7>Do you not have money to make pay rent this

1301
01:06:18.880 --> 01:06:19.320
<v Speaker 7>next time?

1302
01:06:19.440 --> 01:06:19.639
<v Speaker 2>When?

1303
01:06:19.719 --> 01:06:20.719
<v Speaker 7>When do you run out of rent?

1304
01:06:20.800 --> 01:06:22.159
<v Speaker 1>Money?

1305
01:06:22.559 --> 01:06:28.639
<v Speaker 15>On tuesdaree? Probably January, which is right around the corner.

1306
01:06:29.480 --> 01:06:32.159
<v Speaker 2>Do you have so you don't? You have social security

1307
01:06:32.199 --> 01:06:32.599
<v Speaker 2>coming in?

1308
01:06:33.639 --> 01:06:37.079
<v Speaker 15>I have social Security and pension and the total of

1309
01:06:37.199 --> 01:06:40.719
<v Speaker 15>both of them is seventeen hundred a month.

1310
01:06:41.519 --> 01:06:43.199
<v Speaker 7>And how much is your rent?

1311
01:06:43.639 --> 01:06:44.599
<v Speaker 15>Twenty two hundred?

1312
01:06:45.320 --> 01:06:46.280
<v Speaker 7>Oh my god?

1313
01:06:46.679 --> 01:06:50.039
<v Speaker 2>How have you been living up to this point, I've.

1314
01:06:49.840 --> 01:06:53.320
<v Speaker 15>Lost ninety eight percent of my life savings.

1315
01:06:53.639 --> 01:07:00.159
<v Speaker 2>Oh my god, Drew, what did you do for you

1316
01:07:00.199 --> 01:07:02.679
<v Speaker 2>were a preacher? For income? When did you stop working

1317
01:07:02.719 --> 01:07:03.440
<v Speaker 2>as a preacher?

1318
01:07:05.559 --> 01:07:08.840
<v Speaker 15>Well, I guess with the car accidents, two of them,

1319
01:07:09.400 --> 01:07:11.440
<v Speaker 15>because I'm now halfway crippled.

1320
01:07:15.000 --> 01:07:19.039
<v Speaker 2>Yeah again, Uh, your personal injury attorney, did we ever

1321
01:07:19.119 --> 01:07:22.800
<v Speaker 2>contact him? We never got you were you were going

1322
01:07:22.840 --> 01:07:29.360
<v Speaker 2>to give us the name and you never did.

1323
01:07:30.440 --> 01:07:32.880
<v Speaker 15>Wait wait, wait, want to be asked by a very

1324
01:07:32.920 --> 01:07:36.079
<v Speaker 15>good radio station and he said no.

1325
01:07:37.039 --> 01:07:39.760
<v Speaker 2>Wait, he wouldn't talk to us about your case. You

1326
01:07:40.039 --> 01:07:41.840
<v Speaker 2>didn't have to tell him where a radio station.

1327
01:07:42.000 --> 01:07:47.400
<v Speaker 13>For goodness sakes, I always just say the truth.

1328
01:07:47.599 --> 01:07:52.039
<v Speaker 15>I don't think about it. But that's what he said.

1329
01:07:52.559 --> 01:07:54.360
<v Speaker 15>I can ask him again if you want me to.

1330
01:07:54.760 --> 01:07:57.880
<v Speaker 2>No, No, here's the problem. He's thinking it's going to

1331
01:07:57.920 --> 01:08:00.360
<v Speaker 2>be on radio and all that. We just want to

1332
01:08:00.360 --> 01:08:02.840
<v Speaker 2>find out what he's doing on your case. We're not

1333
01:08:02.920 --> 01:08:05.119
<v Speaker 2>putting it on the radio. We just want to help you.

1334
01:08:06.639 --> 01:08:10.239
<v Speaker 15>Hey, tell me it should be coming the trial in

1335
01:08:10.360 --> 01:08:13.360
<v Speaker 15>about six seven months, but you know the card system.

1336
01:08:14.280 --> 01:08:18.000
<v Speaker 15>In the meantime, I'll be in the street come January.

1337
01:08:18.640 --> 01:08:21.239
<v Speaker 2>Would you ask him to just see if we can

1338
01:08:21.920 --> 01:08:23.039
<v Speaker 2>ask him if tell.

1339
01:08:22.960 --> 01:08:24.520
<v Speaker 7>Him I'm just a friend of yours.

1340
01:08:24.600 --> 01:08:26.960
<v Speaker 2>I happen to be on the radio, but I'm just

1341
01:08:27.000 --> 01:08:31.079
<v Speaker 2>a friend of yours that wants to find out. Hold on,

1342
01:08:31.159 --> 01:08:33.319
<v Speaker 2>could Gena get the name and number for this guy

1343
01:08:33.760 --> 01:08:37.680
<v Speaker 2>length and give tell him that. Okay, don't ask him

1344
01:08:37.720 --> 01:08:40.119
<v Speaker 2>about being on the radio or anything of the sort.

1345
01:08:40.640 --> 01:08:46.039
<v Speaker 2>I think that just complicates things at this point. Gee okay,

1346
01:08:47.960 --> 01:08:50.199
<v Speaker 2>Oh yeah, good, Okay. Put him on hold three oh

1347
01:08:50.279 --> 01:08:54.159
<v Speaker 2>three seven one three talk three O three seven one

1348
01:08:54.239 --> 01:08:57.039
<v Speaker 2>three eight two five five. I'm want to go back

1349
01:08:57.079 --> 01:09:00.640
<v Speaker 2>to this text. Someone said, Tom, I heard you talking

1350
01:09:00.680 --> 01:09:04.199
<v Speaker 2>about a creative way to use an LLC to pass

1351
01:09:04.239 --> 01:09:09.319
<v Speaker 2>things through death instead of a trust. Again, I'm not

1352
01:09:09.800 --> 01:09:12.800
<v Speaker 2>advocating they do it instead of a trust, but I

1353
01:09:12.880 --> 01:09:19.319
<v Speaker 2>think there are times a simple LLC could be apropos.

1354
01:09:20.479 --> 01:09:22.560
<v Speaker 7>Here, and so let's talk about that.

1355
01:09:22.600 --> 01:09:25.159
<v Speaker 2>Coming back on how you can use an LLC instead

1356
01:09:25.159 --> 01:09:28.119
<v Speaker 2>of a trust and when that would be apropos. That's

1357
01:09:28.640 --> 01:09:32.720
<v Speaker 2>coming up with McKenzie law Dan McKenzie coplans dot co

1358
01:09:33.079 --> 01:09:36.239
<v Speaker 2>is his number or eight three three co plans we

1359
01:09:36.319 --> 01:09:36.800
<v Speaker 2>have more.

1360
01:09:36.720 --> 01:09:38.960
<v Speaker 7>Right after this. Plus we're going to ask the deputies for.

1361
01:09:38.880 --> 01:09:41.600
<v Speaker 2>Any follow ups or progress on the cases they're working.

1362
01:09:42.039 --> 01:09:43.039
<v Speaker 7>I'm Tom Martino.

1363
01:09:44.720 --> 01:09:48.000
<v Speaker 2>Go with a sure thing Denver's best roofer Excel Roofing

1364
01:09:48.119 --> 01:09:50.760
<v Speaker 2>dot com. You don't pay a cent until you're content.

1365
01:09:54.119 --> 01:09:57.319
<v Speaker 2>Time for an insurance check up free, no obligation. In comparison,

1366
01:09:57.439 --> 01:10:01.079
<v Speaker 2>call Compass Insurance paying too much coverage at dozens of

1367
01:10:01.119 --> 01:10:04.079
<v Speaker 2>insurance companies find out now three all three seven seven

1368
01:10:04.079 --> 01:10:06.840
<v Speaker 2>to one help. You'll think you're his only customer when

1369
01:10:06.880 --> 01:10:09.359
<v Speaker 2>you choose Frank durand the real estate Man dot com

1370
01:10:09.399 --> 01:10:12.520
<v Speaker 2>to list your home with Remax Alliance three all three

1371
01:10:12.600 --> 01:10:15.640
<v Speaker 2>nine two zero sixteen twenty two yeer.

1372
01:10:20.039 --> 01:10:28.359
<v Speaker 1>Ripped. You need advis so you don't have come running

1373
01:10:28.800 --> 01:10:35.640
<v Speaker 1>ass as can. Shooter's gonna help. Come man, This is.

1374
01:10:35.600 --> 01:10:39.960
<v Speaker 5>The Troubleshooter Show, Now Tom Martino, Hello.

1375
01:10:39.920 --> 01:10:41.399
<v Speaker 7>Tom here, Welcome to the show.

1376
01:10:41.439 --> 01:10:42.199
<v Speaker 6>Three O three.

1377
01:10:42.319 --> 01:10:45.560
<v Speaker 2>Seven one three talk seven one three eight two five five.

1378
01:10:45.760 --> 01:10:47.960
<v Speaker 2>Actually the main numbers three oh three Martino three oh

1379
01:10:47.960 --> 01:10:51.119
<v Speaker 2>three six two seven eight four sixty six. It's where

1380
01:10:51.199 --> 01:10:55.239
<v Speaker 2>you can call twenty four to seven. Leave a message.

1381
01:10:55.279 --> 01:10:58.159
<v Speaker 2>We'll get back to you and we will help you

1382
01:10:58.239 --> 01:11:01.039
<v Speaker 2>anyway we can. Okay, so you don't have to stay

1383
01:11:01.039 --> 01:11:06.039
<v Speaker 2>on hold and that's three oh three Martino three oh

1384
01:11:06.159 --> 01:11:13.880
<v Speaker 2>three six two seven eight four six six welcome. Hey, uh,

1385
01:11:14.199 --> 01:11:19.119
<v Speaker 2>we have some questions for our attorney today for estate

1386
01:11:19.199 --> 01:11:20.920
<v Speaker 2>planning and anything on your mind.

1387
01:11:20.960 --> 01:11:22.359
<v Speaker 7>We'd love to talk to you about.

1388
01:11:23.720 --> 01:11:28.600
<v Speaker 2>But I do want to tell you something everyone, and

1389
01:11:28.920 --> 01:11:35.479
<v Speaker 2>this is really important to me. I years ago got

1390
01:11:35.479 --> 01:11:40.279
<v Speaker 2>a little pissed off at the financial planning industry and

1391
01:11:40.600 --> 01:11:47.520
<v Speaker 2>the personal finance industry and investment advisor industry. So I

1392
01:11:47.600 --> 01:11:50.439
<v Speaker 2>had a wild hair and I hired a guy to

1393
01:11:50.560 --> 01:11:56.199
<v Speaker 2>do my own planning. He was a registered investment advisor

1394
01:11:57.359 --> 01:12:01.640
<v Speaker 2>representative with a company, and then he came and started

1395
01:12:01.680 --> 01:12:05.039
<v Speaker 2>working for me, along with another guy, and I just

1396
01:12:05.079 --> 01:12:07.159
<v Speaker 2>had them working for me over the years, just me

1397
01:12:08.079 --> 01:12:09.760
<v Speaker 2>and I made a deal that I'd give them a

1398
01:12:09.760 --> 01:12:15.239
<v Speaker 2>portion of what they returned for me. And then when

1399
01:12:15.439 --> 01:12:19.239
<v Speaker 2>artificial intelligence first started coming around, I asked them to

1400
01:12:19.279 --> 01:12:24.560
<v Speaker 2>develop some of those procedures and strategies we've done on this,

1401
01:12:25.079 --> 01:12:27.079
<v Speaker 2>and I said, why don't you you know? And so

1402
01:12:27.880 --> 01:12:34.079
<v Speaker 2>we did. And then I did this about six years ago,

1403
01:12:34.800 --> 01:12:38.000
<v Speaker 2>and it was all selfish, absolutely selfish. I hired private

1404
01:12:38.039 --> 01:12:42.159
<v Speaker 2>advisors and I'm.

1405
01:12:42.039 --> 01:12:43.880
<v Speaker 7>Not going to tell you about the performance. It was good.

1406
01:12:43.880 --> 01:12:45.479
<v Speaker 2>But I'm not going to tell you because there's no

1407
01:12:45.520 --> 01:12:48.920
<v Speaker 2>guaranteeing performance ever. But we tracked it and we established

1408
01:12:48.920 --> 01:12:53.800
<v Speaker 2>an AI program. We call it SWELL Strategic Wealth Enhancement

1409
01:12:53.880 --> 01:12:59.359
<v Speaker 2>Learning Logic. Then I established a private fund and did

1410
01:12:59.399 --> 01:13:03.680
<v Speaker 2>that legally so we could invite others into it qualified investors.

1411
01:13:04.079 --> 01:13:06.560
<v Speaker 2>And I did that for a few years, and then

1412
01:13:06.600 --> 01:13:10.119
<v Speaker 2>I thought, you know what, I would like to do

1413
01:13:10.239 --> 01:13:13.319
<v Speaker 2>this for others, because frankly, there's a reason for it.

1414
01:13:13.840 --> 01:13:19.039
<v Speaker 2>So I moved forward with official registration as an investment

1415
01:13:19.079 --> 01:13:25.600
<v Speaker 2>advisor with the Colorado Division of Securities and just did that.

1416
01:13:26.079 --> 01:13:28.520
<v Speaker 2>I mean, but I've been doing this for like five

1417
01:13:28.640 --> 01:13:31.600
<v Speaker 2>or six years, and I had the private fund, and

1418
01:13:33.479 --> 01:13:37.239
<v Speaker 2>I just here's what I'm telling you. I started a

1419
01:13:37.239 --> 01:13:38.319
<v Speaker 2>business because of it.

1420
01:13:38.319 --> 01:13:39.399
<v Speaker 7>It's called Wave eight.

1421
01:13:39.319 --> 01:13:46.239
<v Speaker 2>Financial Manage Wave eight Wealth Management. And the reason I

1422
01:13:46.279 --> 01:13:48.279
<v Speaker 2>did it I want to tell you about. And I'm

1423
01:13:48.319 --> 01:13:51.319
<v Speaker 2>not saying people are bad, Okay, I'm not saying that,

1424
01:13:51.600 --> 01:13:53.560
<v Speaker 2>but I want you to know about the industry because

1425
01:13:53.600 --> 01:13:55.479
<v Speaker 2>I don't think a lot of people know about the industry,

1426
01:13:56.199 --> 01:13:58.239
<v Speaker 2>not at all. And by the way, you can ask

1427
01:13:58.239 --> 01:14:00.479
<v Speaker 2>me any questions you want about it, or you can

1428
01:14:00.560 --> 01:14:02.640
<v Speaker 2>just call about any problem question or complaining three oh

1429
01:14:02.640 --> 01:14:04.760
<v Speaker 2>three Martino three oh three, six two seven, eight, four

1430
01:14:04.800 --> 01:14:11.039
<v Speaker 2>sixty six. But here's the bottom line.

1431
01:14:08.479 --> 01:14:08.560
<v Speaker 5>And.

1432
01:14:10.520 --> 01:14:12.199
<v Speaker 2>I'm gonna be I'm going to piss off a lot

1433
01:14:12.199 --> 01:14:15.720
<v Speaker 2>of people. So I hope that when you hear me,

1434
01:14:16.239 --> 01:14:20.439
<v Speaker 2>you check this out for yourself. And again, I'm not

1435
01:14:20.640 --> 01:14:23.960
<v Speaker 2>saying the industry is filled with bad people. In fact,

1436
01:14:24.359 --> 01:14:27.319
<v Speaker 2>it's highly regulated, and I think most of them are

1437
01:14:27.359 --> 01:14:30.399
<v Speaker 2>really good people. I really believe that, I really do.

1438
01:14:30.880 --> 01:14:33.760
<v Speaker 2>They're not necessarily all equally as skilled, but I think

1439
01:14:33.960 --> 01:14:38.520
<v Speaker 2>financial advisors are pretty much a good sort. A lot

1440
01:14:38.560 --> 01:14:44.079
<v Speaker 2>of that happens since made off because restrictions and regulations

1441
01:14:44.119 --> 01:14:50.119
<v Speaker 2>got way harder and tighter and safer for consumers. But

1442
01:14:50.279 --> 01:14:56.880
<v Speaker 2>most every investment advisor you hear about anywhere, or these

1443
01:14:56.920 --> 01:15:00.239
<v Speaker 2>shows you hear all over the radio all of the

1444
01:15:00.239 --> 01:15:04.079
<v Speaker 2>country on Saturdays and Sundays and all that, almost every

1445
01:15:04.239 --> 01:15:12.680
<v Speaker 2>single advisor are not really investing your money. Their relationship managers.

1446
01:15:13.079 --> 01:15:17.159
<v Speaker 2>They bring you in and they promise to advise you

1447
01:15:17.960 --> 01:15:21.479
<v Speaker 2>and invest your money, but they don't. Now again, they're

1448
01:15:21.520 --> 01:15:24.439
<v Speaker 2>not breaking any laws. I'm not talking about that. They

1449
01:15:24.640 --> 01:15:27.760
<v Speaker 2>just are not your advisor. Now they appear to be

1450
01:15:27.800 --> 01:15:31.840
<v Speaker 2>your advisor. Instead, what they do is they interview you,

1451
01:15:32.119 --> 01:15:34.960
<v Speaker 2>so I guess they kind of advise you. They interview you,

1452
01:15:35.039 --> 01:15:39.159
<v Speaker 2>they find out about your risk level, your investment objectives

1453
01:15:39.159 --> 01:15:44.239
<v Speaker 2>and goals. They place you in similar portfolios with other

1454
01:15:44.319 --> 01:15:48.560
<v Speaker 2>investors with the same goals and the same objectives and

1455
01:15:48.640 --> 01:15:53.800
<v Speaker 2>the same risk levels. They kind of section their clients

1456
01:15:53.840 --> 01:15:58.039
<v Speaker 2>in these portfolios, and then they hand them off to

1457
01:15:58.279 --> 01:16:02.000
<v Speaker 2>big broker dealers who then take care of the trading.

1458
01:16:03.199 --> 01:16:05.520
<v Speaker 2>Not bad, I mean a lot of people make good money.

1459
01:16:05.560 --> 01:16:06.039
<v Speaker 7>Go ahead.

1460
01:16:06.359 --> 01:16:08.680
<v Speaker 2>Now there are people say, oh, I don't care, Tom,

1461
01:16:08.720 --> 01:16:14.680
<v Speaker 2>I do everything myself. Well, look, no normal person has

1462
01:16:14.720 --> 01:16:16.960
<v Speaker 2>the energy or the time to do that. But I

1463
01:16:16.960 --> 01:16:18.920
<v Speaker 2>don't want to get into that discussion because there are

1464
01:16:18.960 --> 01:16:21.600
<v Speaker 2>noaht alls who think they do everything themselves, and they

1465
01:16:21.680 --> 01:16:24.279
<v Speaker 2>don't hire anyone for anything. I'm surprised to go to dentists.

1466
01:16:24.279 --> 01:16:28.079
<v Speaker 2>But in any case, most financial advisors bring you in,

1467
01:16:28.359 --> 01:16:31.840
<v Speaker 2>they establish a relationship. Then they place your portfolio with

1468
01:16:31.880 --> 01:16:36.159
<v Speaker 2>a broker dealer and they're middlemen. And what happens is

1469
01:16:36.199 --> 01:16:39.600
<v Speaker 2>they pay a fee to the big trader, the big advisor,

1470
01:16:39.720 --> 01:16:42.119
<v Speaker 2>or the big broker dealer. They pay a fee, and

1471
01:16:42.159 --> 01:16:45.039
<v Speaker 2>they charge you a fee and they make a middleman fee.

1472
01:16:44.760 --> 01:16:48.079
<v Speaker 2>They carve off some for themselves and then pay the

1473
01:16:48.119 --> 01:16:51.680
<v Speaker 2>people who are really investing your money. Okay. Now again,

1474
01:16:51.880 --> 01:16:53.760
<v Speaker 2>there are people who love that model. They love their

1475
01:16:53.760 --> 01:16:56.319
<v Speaker 2>financial advisor. They say to me, oh, I love my

1476
01:16:56.399 --> 01:16:58.039
<v Speaker 2>financial advisor on liver Change.

1477
01:16:58.279 --> 01:16:58.720
<v Speaker 7>Okay.

1478
01:16:59.479 --> 01:17:01.479
<v Speaker 2>So I wanted to do it a different way. I

1479
01:17:01.520 --> 01:17:04.960
<v Speaker 2>wanted to actually really do it with my people, and

1480
01:17:05.039 --> 01:17:08.319
<v Speaker 2>so when I developed this firm, I made some pledges

1481
01:17:09.239 --> 01:17:16.000
<v Speaker 2>one hundred percent, one hundred percent of our funds personal funds,

1482
01:17:16.079 --> 01:17:19.159
<v Speaker 2>my money is in this company, one hundred percent of

1483
01:17:19.199 --> 01:17:22.079
<v Speaker 2>investible funds. I mean I might have money elsewhere, like

1484
01:17:22.119 --> 01:17:24.279
<v Speaker 2>in a house or something, but I'm talking about all

1485
01:17:24.319 --> 01:17:26.000
<v Speaker 2>of my investable funds are.

1486
01:17:25.920 --> 01:17:27.479
<v Speaker 7>Exactly where yours would be.

1487
01:17:28.439 --> 01:17:32.920
<v Speaker 2>We don't pawn off a portfolio to other people to

1488
01:17:33.000 --> 01:17:34.560
<v Speaker 2>make investment decisions.

1489
01:17:34.880 --> 01:17:35.159
<v Speaker 7>Ever.

1490
01:17:37.199 --> 01:17:41.079
<v Speaker 2>We take an active role in wealth building for you,

1491
01:17:42.319 --> 01:17:48.119
<v Speaker 2>and we limit our growth and expansion so everyone gets

1492
01:17:48.199 --> 01:17:53.239
<v Speaker 2>individual attention for objectives, goals and desires. That's that's what

1493
01:17:53.279 --> 01:17:59.119
<v Speaker 2>I want to do. And I'm the founder, I'm a client,

1494
01:18:00.840 --> 01:18:03.439
<v Speaker 2>and I don't get compensated for talking about it, but

1495
01:18:03.479 --> 01:18:04.920
<v Speaker 2>I will make money on the company.

1496
01:18:04.960 --> 01:18:07.880
<v Speaker 7>That's what people do. You make a fee.

1497
01:18:08.479 --> 01:18:10.000
<v Speaker 2>So I just want to put that out in the

1498
01:18:10.039 --> 01:18:12.479
<v Speaker 2>open because you will be hearing the advertised Wave eight

1499
01:18:12.960 --> 01:18:18.239
<v Speaker 2>Wealth Management. And it's an absolute passion of mine, and

1500
01:18:18.760 --> 01:18:22.760
<v Speaker 2>I've been silent about it up till now, but i

1501
01:18:22.800 --> 01:18:26.359
<v Speaker 2>can tell you I'm very satisfied with what it's done

1502
01:18:26.399 --> 01:18:28.520
<v Speaker 2>for me, and I want to do the same for others.

1503
01:18:29.439 --> 01:18:31.680
<v Speaker 2>And if you're interested at all, I'm going to give

1504
01:18:31.680 --> 01:18:37.840
<v Speaker 2>a phone number. This is not anything like the model

1505
01:18:38.039 --> 01:18:41.640
<v Speaker 2>in the marketplace right now. This is personalized. This is

1506
01:18:42.199 --> 01:18:45.319
<v Speaker 2>one to one. I mean, we have a group, and

1507
01:18:45.359 --> 01:18:47.399
<v Speaker 2>we have a committee and all of that. We have

1508
01:18:47.439 --> 01:18:51.159
<v Speaker 2>the artificial intelligence, but this is not where we just

1509
01:18:51.279 --> 01:18:54.920
<v Speaker 2>pass along your portfolio. And I'm not saying those people

1510
01:18:54.920 --> 01:18:57.359
<v Speaker 2>are bad your mind, but they're not your advice. They're

1511
01:18:57.399 --> 01:19:01.840
<v Speaker 2>really not your advisor. Okay, that's just the true. The

1512
01:19:01.920 --> 01:19:03.680
<v Speaker 2>number if you want to if you want help, is

1513
01:19:03.720 --> 01:19:06.720
<v Speaker 2>three O three seven seven one help. I took that

1514
01:19:06.840 --> 01:19:10.039
<v Speaker 2>number from my bank and I'm using it now for

1515
01:19:10.399 --> 01:19:15.319
<v Speaker 2>Wave eight Wealth Management. It's three oh three seven seven

1516
01:19:15.479 --> 01:19:19.840
<v Speaker 2>one help seven seven one four three five seven and

1517
01:19:19.880 --> 01:19:25.720
<v Speaker 2>it's the website is W eight WM dot com stands

1518
01:19:25.720 --> 01:19:28.199
<v Speaker 2>for Wave eight Wealth Management. You could spell it out

1519
01:19:28.239 --> 01:19:30.760
<v Speaker 2>if you want too. That'll get you there. Wave eight

1520
01:19:30.960 --> 01:19:33.319
<v Speaker 2>the number eight Wealth Management dot com or just W

1521
01:19:33.479 --> 01:19:37.560
<v Speaker 2>eight WM dot com three O three seven seven one

1522
01:19:37.680 --> 01:19:41.359
<v Speaker 2>help seven seven one four three five seven There. I

1523
01:19:41.399 --> 01:19:43.640
<v Speaker 2>wanted to talk about that. It's been on my mind

1524
01:19:43.680 --> 01:19:46.119
<v Speaker 2>a long time. I've been working on it behind the scenes.

1525
01:19:46.760 --> 01:19:48.800
<v Speaker 2>So if you have any questions you can ask me

1526
01:19:48.840 --> 01:19:51.760
<v Speaker 2>as well. But I just wanted to talk about it.

1527
01:19:51.840 --> 01:19:53.399
<v Speaker 2>Another thing I want to talk about. I have Dan

1528
01:19:53.479 --> 01:19:58.920
<v Speaker 2>McKenzie with me, and Dan does a state planning and

1529
01:19:58.960 --> 01:20:03.079
<v Speaker 2>we have a question for him. LLCs instead of trusts. Okay,

1530
01:20:03.199 --> 01:20:07.600
<v Speaker 2>somebody heard me talking about it one time. A trust

1531
01:20:07.920 --> 01:20:14.800
<v Speaker 2>bypasses court, goes through death and preserves assets and money

1532
01:20:15.000 --> 01:20:20.920
<v Speaker 2>and all kinds of stuff property, vehicles, artwork. And you

1533
01:20:20.920 --> 01:20:23.680
<v Speaker 2>can also write a lot of terms and conditions in there.

1534
01:20:24.239 --> 01:20:27.560
<v Speaker 2>You can put terms and conditions on the people who inherit.

1535
01:20:28.079 --> 01:20:31.800
<v Speaker 2>You can write a trust to match salaries for kids,

1536
01:20:32.159 --> 01:20:35.239
<v Speaker 2>you can do whatever, or you can dissolve it after

1537
01:20:35.319 --> 01:20:38.600
<v Speaker 2>your death and the trustee disperses all that stuff that's

1538
01:20:38.600 --> 01:20:40.439
<v Speaker 2>all true about a trust, right right?

1539
01:20:40.840 --> 01:20:41.159
<v Speaker 6>Yeah?

1540
01:20:41.199 --> 01:20:44.239
<v Speaker 2>Okay, Now what I also want to know, and Jeanette,

1541
01:20:44.239 --> 01:20:47.479
<v Speaker 2>I will take you next. I promise on a trust, though,

1542
01:20:47.600 --> 01:20:50.439
<v Speaker 2>how can an LLC help do some of that? And

1543
01:20:50.479 --> 01:20:53.680
<v Speaker 2>when can you use an LLC? An LLC is something

1544
01:20:53.720 --> 01:20:57.079
<v Speaker 2>you easily form. It's a limited liability company. You can

1545
01:20:57.079 --> 01:21:00.920
<v Speaker 2>do it in ten minutes online. When would you use

1546
01:21:00.960 --> 01:21:01.520
<v Speaker 2>an LLC?

1547
01:21:02.079 --> 01:21:05.279
<v Speaker 6>So typically llices are used for like business purposes, right

1548
01:21:05.359 --> 01:21:08.119
<v Speaker 6>for assets that are producing income like a rental property

1549
01:21:08.199 --> 01:21:10.119
<v Speaker 6>or a business or something like that. Because LLCs do

1550
01:21:10.199 --> 01:21:13.479
<v Speaker 6>give you an argument that their asset protected right the

1551
01:21:13.560 --> 01:21:15.359
<v Speaker 6>assets are in there are separate from yours.

1552
01:21:15.399 --> 01:21:17.720
<v Speaker 2>Where you have a little company LLC you know, yeah,

1553
01:21:17.880 --> 01:21:19.720
<v Speaker 2>ABC Roofing LLC whatever.

1554
01:21:19.840 --> 01:21:22.680
<v Speaker 6>The revocal trust does not give you asset protection. People

1555
01:21:22.720 --> 01:21:24.159
<v Speaker 6>ask me all the time if I put this stuff

1556
01:21:24.199 --> 01:21:25.880
<v Speaker 6>in this trust, am I going to be protected from

1557
01:21:25.880 --> 01:21:28.920
<v Speaker 6>being sued? And the answer is no, And probably thank God,

1558
01:21:28.960 --> 01:21:30.520
<v Speaker 6>because it was that easy to hide your money, we

1559
01:21:30.560 --> 01:21:33.359
<v Speaker 6>all would do it and be living like So remember.

1560
01:21:33.079 --> 01:21:35.159
<v Speaker 2>A trust does not protect you from lawsuits.

1561
01:21:35.199 --> 01:21:38.640
<v Speaker 6>There are trusts that can do that, but they're sophisticated,

1562
01:21:38.680 --> 01:21:40.399
<v Speaker 6>They got to be irrevocal. They might have to be

1563
01:21:40.439 --> 01:21:43.359
<v Speaker 6>set up in different jurisdictions. So it's just a lot

1564
01:21:43.399 --> 01:21:46.119
<v Speaker 6>more than just a revocal living trust. The trust purposes

1565
01:21:46.159 --> 01:21:47.479
<v Speaker 6>just to get assets out of your name so that

1566
01:21:47.520 --> 01:21:50.560
<v Speaker 6>you don't have to go through probate. The LLC we

1567
01:21:50.640 --> 01:21:54.399
<v Speaker 6>have used lycees for mistake planning to and the reason

1568
01:21:54.399 --> 01:21:57.680
<v Speaker 6>that sometimes those work is because trust puts somebody in

1569
01:21:57.800 --> 01:22:01.039
<v Speaker 6>charge and they end and like sometimes you've got an

1570
01:22:01.039 --> 01:22:03.840
<v Speaker 6>asset like a ski condo in Breckinridge or something like that,

1571
01:22:03.840 --> 01:22:06.319
<v Speaker 6>where it's like, this is a family asset, we really don't.

1572
01:22:06.399 --> 01:22:09.199
<v Speaker 6>We want the family to come together and work together,

1573
01:22:09.239 --> 01:22:10.279
<v Speaker 6>almost like a business.

1574
01:22:10.359 --> 01:22:11.560
<v Speaker 7>Right, So you create.

1575
01:22:11.319 --> 01:22:14.520
<v Speaker 6>An LLC with an operating agree, with an operating agreement

1576
01:22:14.560 --> 01:22:17.039
<v Speaker 6>that says, here are the members the you know, basically

1577
01:22:17.079 --> 01:22:20.399
<v Speaker 6>the boarder and what they own. Yeah, they're they're membership interest.

1578
01:22:20.560 --> 01:22:22.119
<v Speaker 6>What if they want to get out? What if your

1579
01:22:22.159 --> 01:22:24.359
<v Speaker 6>kid has moved to Florida and it's like I not

1580
01:22:24.479 --> 01:22:26.760
<v Speaker 6>interested in knowing a record in Ridge condo anymore? How

1581
01:22:26.800 --> 01:22:27.439
<v Speaker 6>does he get out?

1582
01:22:27.520 --> 01:22:29.079
<v Speaker 7>So that's almost better than a trust.

1583
01:22:29.079 --> 01:22:32.279
<v Speaker 6>It's easier for that circumstance. Yes, I mean it's not,

1584
01:22:32.640 --> 01:22:34.680
<v Speaker 6>you know, it's not for everything. Don't run own and

1585
01:22:34.720 --> 01:22:37.640
<v Speaker 6>put everything you have in an LLC. Uh, you can

1586
01:22:37.680 --> 01:22:41.239
<v Speaker 6>create tax issues for yourself. So you want to consult

1587
01:22:41.239 --> 01:22:42.760
<v Speaker 6>with us about this, but it does have its use.

1588
01:22:42.920 --> 01:22:44.600
<v Speaker 6>It does have its use in the state planning too.

1589
01:22:45.239 --> 01:22:48.399
<v Speaker 2>Okay, so you would have these things, you could have

1590
01:22:48.479 --> 01:22:51.640
<v Speaker 2>all of them in one LLC or maybe several LLCs.

1591
01:22:51.640 --> 01:22:54.880
<v Speaker 6>Oh yeah, yeah, depending on some with lcs like asset

1592
01:22:54.920 --> 01:22:57.479
<v Speaker 6>protection if you're using it for that purpose, Like the

1593
01:22:57.479 --> 01:23:00.000
<v Speaker 6>more you can break it up, like we sued huge companies.

1594
01:23:00.000 --> 01:23:01.600
<v Speaker 6>It's like, you know, one point as involved in loss

1595
01:23:01.640 --> 01:23:04.560
<v Speaker 6>it against GE. There were like seven different GE entities

1596
01:23:04.640 --> 01:23:07.359
<v Speaker 6>or a g G Healthcare GE worldwide, you know, and

1597
01:23:07.399 --> 01:23:08.760
<v Speaker 6>it's like they've soaken it up.

1598
01:23:08.800 --> 01:23:10.800
<v Speaker 2>So you can have like if you have a rental,

1599
01:23:10.960 --> 01:23:12.920
<v Speaker 2>you can have each and you want to leave like

1600
01:23:13.000 --> 01:23:14.720
<v Speaker 2>different rentals to different airrors.

1601
01:23:15.199 --> 01:23:17.199
<v Speaker 7>You can have them as owners of the LLC.

1602
01:23:18.479 --> 01:23:21.279
<v Speaker 2>Right yeah, and then they can own that part of

1603
01:23:21.319 --> 01:23:23.960
<v Speaker 2>it in that LLC. And you can have an LLC

1604
01:23:24.239 --> 01:23:27.960
<v Speaker 2>for even can you have an LLC for artwork? Though

1605
01:23:28.119 --> 01:23:30.159
<v Speaker 2>probably not right because that's not income producer.

1606
01:23:30.279 --> 01:23:32.840
<v Speaker 6>I mean I guess if it was the artwork was

1607
01:23:32.880 --> 01:23:35.760
<v Speaker 6>owned by a business. Like again, like with the big companies,

1608
01:23:35.760 --> 01:23:37.760
<v Speaker 6>like they'll put their employees in one LLC, they'll put

1609
01:23:37.800 --> 01:23:40.319
<v Speaker 6>their equipment in another LLC, they'll put the building another

1610
01:23:40.439 --> 01:23:42.640
<v Speaker 6>l Oh, really it all out like that, so, but

1611
01:23:42.720 --> 01:23:44.640
<v Speaker 6>that's a huge hassle to maintain. No, of course you're

1612
01:23:44.640 --> 01:23:46.840
<v Speaker 6>going to be willing to like even file the periodic

1613
01:23:46.880 --> 01:23:48.520
<v Speaker 6>reports every year is a pain in the bud. So

1614
01:23:49.159 --> 01:23:50.880
<v Speaker 6>you just want to not get too carried away.

1615
01:23:51.039 --> 01:23:52.760
<v Speaker 2>But it can be used in place of a trust,

1616
01:23:52.760 --> 01:23:55.520
<v Speaker 2>and sometimes it's more useful than a trust. Now, Jeannette,

1617
01:23:55.800 --> 01:23:58.000
<v Speaker 2>we're going to come right back to you, Kachina, let

1618
01:23:58.000 --> 01:23:59.520
<v Speaker 2>her know I'll be right back to talk about a

1619
01:23:59.520 --> 01:24:03.680
<v Speaker 2>Greeley Dear Dealership and a Jeep Rubicon. Right after this,

1620
01:24:09.840 --> 01:24:13.079
<v Speaker 2>go with a sure thing Denver's Best roofer Excel Roofing

1621
01:24:13.199 --> 01:24:15.840
<v Speaker 2>dot com. You don't pay a cent until you're content.

1622
01:24:19.199 --> 01:24:22.359
<v Speaker 2>Time for an insurance check up free no obligation. In comparison,

1623
01:24:22.520 --> 01:24:26.079
<v Speaker 2>call Compass Insurance paying too much your coverage at dozens

1624
01:24:26.079 --> 01:24:28.840
<v Speaker 2>of insurance companies find out now three oh three seven

1625
01:24:28.920 --> 01:24:31.720
<v Speaker 2>seven to one help. You'll think you're his only customer

1626
01:24:31.760 --> 01:24:33.960
<v Speaker 2>when you choose Frank durand the real estate Man dot

1627
01:24:34.079 --> 01:24:37.359
<v Speaker 2>com to list your home with Remax Alliance three oh

1628
01:24:37.439 --> 01:24:44.000
<v Speaker 2>three nine two zero sixteen twenty two. I'm gonna block

1629
01:24:44.039 --> 01:24:46.840
<v Speaker 2>them three oh three seven one three talk seven, one, three, eight,

1630
01:24:46.840 --> 01:24:52.239
<v Speaker 2>two five five some ahole on YouTube. We're gonna block you.

1631
01:24:52.239 --> 01:24:56.119
<v Speaker 2>You're get out of here talking about venezuel As. I'm helping.

1632
01:24:56.479 --> 01:24:59.000
<v Speaker 2>How are the gang members doing? You know what? They're

1633
01:24:59.039 --> 01:25:02.159
<v Speaker 2>not all gang members? And I resent that, you piece

1634
01:25:02.239 --> 01:25:12.640
<v Speaker 2>of crap. Okay, anyway, get rid of I'll get rid

1635
01:25:12.680 --> 01:25:14.840
<v Speaker 2>of him. I'll block this son of a gun. How

1636
01:25:14.880 --> 01:25:16.479
<v Speaker 2>do I block this put this user?

1637
01:25:20.239 --> 01:25:23.439
<v Speaker 7>Yeah, I'll just he'll just be gone, okay.

1638
01:25:24.119 --> 01:25:27.640
<v Speaker 2>Anyway, whoever he is, he's a coward, a keyboard coward.

1639
01:25:28.119 --> 01:25:35.000
<v Speaker 7>Hey, Jeanette, what's going on with you? Jeanette? By Jeanette?

1640
01:25:35.039 --> 01:25:37.159
<v Speaker 2>What sounds like you have an Oh? Wait?

1641
01:25:37.279 --> 01:25:38.600
<v Speaker 7>Did you buy this new or used?

1642
01:25:40.159 --> 01:25:41.800
<v Speaker 13>I bought it used as.

1643
01:25:42.119 --> 01:25:42.880
<v Speaker 18>A car lot?

1644
01:25:44.479 --> 01:25:45.159
<v Speaker 7>How long ago?

1645
01:25:47.840 --> 01:25:51.600
<v Speaker 18>It hasn't even been a month yet, it's actually in

1646
01:25:51.720 --> 01:25:52.239
<v Speaker 18>the shop.

1647
01:25:53.199 --> 01:25:54.800
<v Speaker 2>Now. I'm going to ask this question.

1648
01:25:55.159 --> 01:25:56.439
<v Speaker 7>I hate asking this question.

1649
01:25:56.520 --> 01:25:56.920
<v Speaker 2>I hate it.

1650
01:25:57.000 --> 01:25:57.840
<v Speaker 7>I hate it, but I'm going.

1651
01:25:57.840 --> 01:26:00.640
<v Speaker 2>To ask it. I got to ask it. Did you

1652
01:26:00.760 --> 01:26:05.720
<v Speaker 2>have it checked out before you bought it? No?

1653
01:26:06.000 --> 01:26:08.880
<v Speaker 3>I didn't, Okay, I just did a.

1654
01:26:10.600 --> 01:26:13.840
<v Speaker 2>And who'd you buy this oa cheap rubicon from?

1655
01:26:15.880 --> 01:26:18.920
<v Speaker 18>It's a car lotin Greeley called drive.

1656
01:26:18.680 --> 01:26:22.880
<v Speaker 2>In Motion, Drive in like driving like a drive in

1657
01:26:22.960 --> 01:26:24.359
<v Speaker 2>theater or drive.

1658
01:26:25.840 --> 01:26:29.000
<v Speaker 8>Yes, like a drive in theater driving motion?

1659
01:26:29.319 --> 01:26:30.720
<v Speaker 7>Okay, drive in motion?

1660
01:26:30.960 --> 01:26:31.239
<v Speaker 2>Got it?

1661
01:26:31.760 --> 01:26:34.520
<v Speaker 7>And and uh, how long you had? About month ago? Okay,

1662
01:26:35.039 --> 01:26:36.319
<v Speaker 7>So what's going on?

1663
01:26:38.840 --> 01:26:41.880
<v Speaker 18>Well, they sold it at a really cheap price. And

1664
01:26:42.239 --> 01:26:44.279
<v Speaker 18>you know, I asked about it before I went in.

1665
01:26:44.880 --> 01:26:47.279
<v Speaker 2>Well, it doesn't matter if you ask about it. What

1666
01:26:48.239 --> 01:26:50.880
<v Speaker 2>everyone says that I asked about They said it was great. Okay,

1667
01:26:50.960 --> 01:26:52.159
<v Speaker 2>go ahead, tell me what they said.

1668
01:26:54.199 --> 01:26:59.000
<v Speaker 18>Okay, Well they said that it needed an ABS module

1669
01:26:59.199 --> 01:27:04.199
<v Speaker 18>fix to pass admissions, but they weren't going to put

1670
01:27:04.279 --> 01:27:07.680
<v Speaker 18>the work in to get that done. That's why it's

1671
01:27:07.720 --> 01:27:08.439
<v Speaker 18>at the price.

1672
01:27:08.560 --> 01:27:08.760
<v Speaker 2>Is that?

1673
01:27:09.359 --> 01:27:10.319
<v Speaker 7>Well, let me ask you something.

1674
01:27:10.880 --> 01:27:13.680
<v Speaker 2>Where what what? What? What were they selling it to you?

1675
01:27:14.079 --> 01:27:16.119
<v Speaker 2>And where do you live? Do you live in an

1676
01:27:16.159 --> 01:27:17.479
<v Speaker 2>emission controlled area?

1677
01:27:19.439 --> 01:27:19.640
<v Speaker 7>Yes?

1678
01:27:19.800 --> 01:27:20.000
<v Speaker 3>I do?

1679
01:27:21.319 --> 01:27:23.600
<v Speaker 7>Then they had to Then they can't hold on.

1680
01:27:24.119 --> 01:27:27.840
<v Speaker 2>They can't sell it to you without a passing emissions

1681
01:27:28.399 --> 01:27:31.199
<v Speaker 2>if they're selling it to sell a buyer in an

1682
01:27:31.199 --> 01:27:35.840
<v Speaker 2>emissions controlled area, unless they sell it to you as

1683
01:27:36.880 --> 01:27:41.600
<v Speaker 2>a toe away. How did they sell it to you?

1684
01:27:44.359 --> 01:27:47.159
<v Speaker 18>I got the car finance through them.

1685
01:27:47.880 --> 01:27:49.439
<v Speaker 7>I want to know how they sold it to you?

1686
01:27:49.640 --> 01:27:53.479
<v Speaker 7>On the invoice? Is it does it say toe away.

1687
01:27:55.399 --> 01:27:57.960
<v Speaker 18>No, I'm pretty sure it doesn't say too.

1688
01:27:58.840 --> 01:28:01.359
<v Speaker 7>But they told you ight up front it would not

1689
01:28:01.560 --> 01:28:02.399
<v Speaker 7>pass emissions.

1690
01:28:04.680 --> 01:28:08.399
<v Speaker 18>No, they told me after I got the module fixed,

1691
01:28:08.560 --> 01:28:10.039
<v Speaker 18>it would pass emissions.

1692
01:28:10.720 --> 01:28:14.840
<v Speaker 2>But I've boughten the module, Jeanette, Jeanette, hold on at

1693
01:28:14.880 --> 01:28:19.840
<v Speaker 2>the time of the sale, did it have the module

1694
01:28:20.039 --> 01:28:26.479
<v Speaker 2>it needed? No, at the time of the sale, it

1695
01:28:26.640 --> 01:28:29.960
<v Speaker 2>was not sold as a tow away. At the time

1696
01:28:30.119 --> 01:28:33.239
<v Speaker 2>of the sale, it would not pass emissions. Are all

1697
01:28:33.279 --> 01:28:37.960
<v Speaker 2>of those true? Yes, Well, then they're in trouble because

1698
01:28:38.279 --> 01:28:42.479
<v Speaker 2>they can't sell a car into an emission area without

1699
01:28:42.560 --> 01:28:46.960
<v Speaker 2>it passing emissions or giving you a three day coupon

1700
01:28:47.119 --> 01:28:48.560
<v Speaker 2>to have your emissions checked.

1701
01:28:49.039 --> 01:28:52.279
<v Speaker 7>Now, did you get a three day coupon?

1702
01:28:54.000 --> 01:28:55.920
<v Speaker 9>They did give me that, But.

1703
01:28:57.439 --> 01:29:00.399
<v Speaker 2>Why would they give you a three day coupon if

1704
01:29:00.439 --> 01:29:03.359
<v Speaker 2>they knew it would not pass. They gave you a

1705
01:29:03.439 --> 01:29:06.239
<v Speaker 2>three day coupon and said, Jeanette, in order for it

1706
01:29:06.359 --> 01:29:08.840
<v Speaker 2>to pass, you have to buy an extra part.

1707
01:29:10.439 --> 01:29:12.439
<v Speaker 7>Yes, did you buy it?

1708
01:29:15.520 --> 01:29:17.960
<v Speaker 18>I bought the part that they told me it needed.

1709
01:29:18.079 --> 01:29:19.600
<v Speaker 8>But it's still the.

1710
01:29:19.880 --> 01:29:22.119
<v Speaker 7>And what did they say it needed? What did they

1711
01:29:22.199 --> 01:29:22.880
<v Speaker 7>say it needed?

1712
01:29:24.920 --> 01:29:28.279
<v Speaker 18>An ABC module or ABS module?

1713
01:29:28.479 --> 01:29:28.760
<v Speaker 16>Sorry?

1714
01:29:28.920 --> 01:29:30.000
<v Speaker 18>ABS module?

1715
01:29:30.199 --> 01:29:35.920
<v Speaker 2>ABS like in abs breaks. Yes, that has nothing to

1716
01:29:36.000 --> 01:29:36.880
<v Speaker 2>do with emissions.

1717
01:29:38.479 --> 01:29:41.600
<v Speaker 18>That's what I was told from the repair shop.

1718
01:29:43.359 --> 01:29:45.720
<v Speaker 2>Who did you who are you dealing? Did you call

1719
01:29:45.800 --> 01:29:46.239
<v Speaker 2>them back?

1720
01:29:48.640 --> 01:29:51.760
<v Speaker 18>I've called them several times and they've been kind of

1721
01:29:51.880 --> 01:29:56.800
<v Speaker 18>ditching me. I finally got a reply today in an email,

1722
01:29:58.000 --> 01:30:01.239
<v Speaker 18>and the person over at the shop said that they

1723
01:30:01.359 --> 01:30:08.199
<v Speaker 18>would put five hundred dollars towards their mechanic fixing the

1724
01:30:08.319 --> 01:30:11.159
<v Speaker 18>issue that's causing it not to pass admissions.

1725
01:30:11.399 --> 01:30:13.800
<v Speaker 7>Okay, and what is the issue causing it? What is

1726
01:30:13.880 --> 01:30:15.479
<v Speaker 7>the issue causing it not to pass?

1727
01:30:17.439 --> 01:30:21.800
<v Speaker 18>It's some type of fuel canister issue going on.

1728
01:30:22.560 --> 01:30:25.600
<v Speaker 2>Okay, Well, how much do they say it's going to

1729
01:30:25.680 --> 01:30:27.560
<v Speaker 2>cost if they're going to put five hundred toward it?

1730
01:30:29.560 --> 01:30:33.760
<v Speaker 18>I had an invoice and it's over one thousand dollars,

1731
01:30:34.279 --> 01:30:36.079
<v Speaker 18>like a thousand under it.

1732
01:30:36.680 --> 01:30:39.319
<v Speaker 7>No, you're not going to do that. You're going to

1733
01:30:39.479 --> 01:30:40.359
<v Speaker 7>undo the whole deal.

1734
01:30:45.640 --> 01:30:48.640
<v Speaker 18>Even the cars already financed through a bank.

1735
01:30:48.880 --> 01:30:51.359
<v Speaker 2>So they have to they have to undo it. They

1736
01:30:51.479 --> 01:30:55.119
<v Speaker 2>sold the car illegally and they're going to lose their license.

1737
01:30:55.279 --> 01:30:57.199
<v Speaker 2>In fact, Deputy d will you call and tell them that.

1738
01:30:57.680 --> 01:31:01.640
<v Speaker 2>Hold on, Jeanette, we'll get the information that No, they're

1739
01:31:01.640 --> 01:31:04.720
<v Speaker 2>going to undo the deal. Otherwise they lose their dealer license,

1740
01:31:04.840 --> 01:31:07.600
<v Speaker 2>so they can make the choice. They can't sell it

1741
01:31:07.840 --> 01:31:10.359
<v Speaker 2>like they did. They can't make you buy a module

1742
01:31:10.520 --> 01:31:14.600
<v Speaker 2>after the sale to pass emissions. They can't then say

1743
01:31:14.720 --> 01:31:16.960
<v Speaker 2>we're not going to make it pass emissions. They have

1744
01:31:17.079 --> 01:31:19.720
<v Speaker 2>to pay for the whole thing or they have to

1745
01:31:19.800 --> 01:31:24.640
<v Speaker 2>undo the deal. That's the way it is, Okay. The

1746
01:31:24.800 --> 01:31:27.359
<v Speaker 2>only way they would get around it is if they

1747
01:31:27.439 --> 01:31:31.319
<v Speaker 2>allege that it would have passed in the first three.

1748
01:31:31.199 --> 01:31:41.560
<v Speaker 7>Days but you did something to it. Okay, Okay, Okay.

1749
01:31:42.000 --> 01:31:46.399
<v Speaker 2>Now I think that we can probably convince them that

1750
01:31:46.479 --> 01:31:52.079
<v Speaker 2>they're breaking the law. Okay, So hold on three oh

1751
01:31:52.159 --> 01:31:54.600
<v Speaker 2>three seven one three talks seven one three eight two

1752
01:31:54.720 --> 01:32:00.279
<v Speaker 2>five five Kachina, give that over to Deputy d well More.

1753
01:32:00.359 --> 01:32:06.560
<v Speaker 7>Coming right up, Go.

1754
01:32:06.680 --> 01:32:10.279
<v Speaker 2>With a sure thing Denver's best roofer Excel Roofing dot com.

1755
01:32:10.479 --> 01:32:16.159
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1756
01:32:16.239 --> 01:32:19.960
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1757
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1758
01:32:23.840 --> 01:32:25.840
<v Speaker 2>Find out now three oh three seven to seven to

1759
01:32:25.880 --> 01:32:28.640
<v Speaker 2>one help. You'll think you're his only customer when you

1760
01:32:28.760 --> 01:32:31.159
<v Speaker 2>choose Frank durand the real estate man dot Com to

1761
01:32:31.279 --> 01:32:34.479
<v Speaker 2>list your home with Remax Alliance three oh three nine

1762
01:32:34.520 --> 01:32:43.079
<v Speaker 2>two zero sixteen twenty two three seven one three Talk

1763
01:32:43.159 --> 01:32:45.399
<v Speaker 2>Trail three seventh three each two five five. Terry has

1764
01:32:45.439 --> 01:32:49.239
<v Speaker 2>a question for Dan McKenzie, Attorney at law for estate planning. Dan,

1765
01:32:49.560 --> 01:32:50.960
<v Speaker 2>I mean, Terry, go ahead.

1766
01:32:50.760 --> 01:32:55.600
<v Speaker 19>Sir, Good afternoon, gentlemen, sir, how are you all good?

1767
01:32:56.319 --> 01:32:56.520
<v Speaker 13>Good?

1768
01:32:56.640 --> 01:32:56.840
<v Speaker 2>Hey?

1769
01:32:56.920 --> 01:33:01.079
<v Speaker 19>I got a question. Back In September of twenty three,

1770
01:33:01.279 --> 01:33:04.960
<v Speaker 19>my wife and I set up a revocable living trust,

1771
01:33:06.119 --> 01:33:11.720
<v Speaker 19>and then in January of this year, we did a

1772
01:33:12.079 --> 01:33:16.920
<v Speaker 19>quick claim deed for our property to put into the trust,

1773
01:33:18.039 --> 01:33:22.800
<v Speaker 19>and I thought everything was good, and then all of

1774
01:33:22.840 --> 01:33:27.439
<v Speaker 19>a sudden last month, I got a letter from the

1775
01:33:27.600 --> 01:33:32.560
<v Speaker 19>Department of Finance, Denver Department of Finance saying that the

1776
01:33:32.720 --> 01:33:36.720
<v Speaker 19>legal description of the property is missing. Now I have

1777
01:33:36.840 --> 01:33:41.079
<v Speaker 19>a parcel ID would that not have the legal description?

1778
01:33:42.600 --> 01:33:48.039
<v Speaker 6>Usually the legal description says something like lot eight, block

1779
01:33:48.159 --> 01:33:52.880
<v Speaker 6>twenty you know, sub whatever your subdivision is, and that

1780
01:33:53.000 --> 01:33:56.039
<v Speaker 6>needs to be on the deed somewhere. The parcel number

1781
01:33:56.119 --> 01:33:58.079
<v Speaker 6>is not the legal description, but if you have a

1782
01:33:58.159 --> 01:33:59.920
<v Speaker 6>document that has that on there, it might all.

1783
01:34:00.039 --> 01:34:04.319
<v Speaker 7>So have the legal description on there. What document would Well,

1784
01:34:04.359 --> 01:34:05.760
<v Speaker 7>there's all kinds of documents.

1785
01:34:05.920 --> 01:34:07.800
<v Speaker 2>What what do you what He's trying to find his

1786
01:34:07.920 --> 01:34:10.119
<v Speaker 2>legal basically, yeah, the legal description.

1787
01:34:10.239 --> 01:34:11.439
<v Speaker 6>I mean if you go you can go back to

1788
01:34:11.479 --> 01:34:14.479
<v Speaker 6>the county indeed, Yeah, for the previous deed from the county,

1789
01:34:14.600 --> 01:34:17.359
<v Speaker 6>the one prior to the one you recorded, and that

1790
01:34:17.479 --> 01:34:18.960
<v Speaker 6>will have the legal description on there.

1791
01:34:19.319 --> 01:34:21.840
<v Speaker 2>Or you can go online and find it on the

1792
01:34:21.920 --> 01:34:22.600
<v Speaker 2>tax records.

1793
01:34:22.720 --> 01:34:26.159
<v Speaker 6>Yeah yeah, or you know the Clerk and Recorder's office

1794
01:34:26.239 --> 01:34:27.600
<v Speaker 6>also has the deeds online too.

1795
01:34:27.960 --> 01:34:28.960
<v Speaker 8>That's where that's where.

1796
01:34:29.159 --> 01:34:32.239
<v Speaker 19>That's where I went through with the quick claiming deed.

1797
01:34:33.079 --> 01:34:35.760
<v Speaker 6>And did you match it exactly to the previous deed?

1798
01:34:37.560 --> 01:34:42.319
<v Speaker 16>Well, I didn't have the deed with me and I

1799
01:34:42.439 --> 01:34:45.000
<v Speaker 16>bought the house thirty one years ago, so.

1800
01:34:46.640 --> 01:34:47.920
<v Speaker 8>You know, I have no idea.

1801
01:34:48.079 --> 01:34:51.239
<v Speaker 19>I guess My question is where could I find that at?

1802
01:34:51.760 --> 01:34:52.760
<v Speaker 2>And why does he need it?

1803
01:34:52.840 --> 01:34:54.520
<v Speaker 7>Because of the quick claim they wanted.

1804
01:34:54.640 --> 01:34:56.359
<v Speaker 6>I mean, if he's trying to move his property with

1805
01:34:56.479 --> 01:34:59.000
<v Speaker 6>a new deed that did that news you just needs

1806
01:34:59.159 --> 01:35:01.399
<v Speaker 6>you just the legal description of the property and that

1807
01:35:01.520 --> 01:35:04.159
<v Speaker 6>the addresses like clerk and record doesn't care about the due. Okay,

1808
01:35:04.159 --> 01:35:07.159
<v Speaker 6>I need to know the legal, got it? I mean

1809
01:35:07.199 --> 01:35:12.399
<v Speaker 6>I would, I would call a fellow Martino. Yeah, Brad O'Brien,

1810
01:35:12.439 --> 01:35:14.279
<v Speaker 6>because you should not be doing your own deeds. I

1811
01:35:14.359 --> 01:35:17.039
<v Speaker 6>mean they look really simple, they are really deceptive, Like

1812
01:35:17.159 --> 01:35:18.319
<v Speaker 6>do not draft your own deed.

1813
01:35:18.439 --> 01:35:21.159
<v Speaker 7>I just I really don't you mean your own quit

1814
01:35:21.319 --> 01:35:22.640
<v Speaker 7>your your own quit.

1815
01:35:22.520 --> 01:35:25.119
<v Speaker 6>Clan indeed, like anybody, like your house is your most

1816
01:35:25.199 --> 01:35:29.199
<v Speaker 6>valuable asset. Probably it's multiple six figures. Like you're not

1817
01:35:29.239 --> 01:35:31.479
<v Speaker 6>gonna pay two fifty to an attorney to get this correct,

1818
01:35:32.039 --> 01:35:33.199
<v Speaker 6>Like you gotta do that.

1819
01:35:35.039 --> 01:35:39.239
<v Speaker 19>So go through Brad O'Brien, well, at least to ask

1820
01:35:39.359 --> 01:35:39.880
<v Speaker 19>his advice.

1821
01:35:40.000 --> 01:35:43.119
<v Speaker 2>Yes, but but you can find if all you're looking

1822
01:35:43.239 --> 01:35:47.680
<v Speaker 2>for is the legal. You can find that legal anywhere.

1823
01:35:47.920 --> 01:35:50.239
<v Speaker 2>I don't know why you're having a problem finding it.

1824
01:35:50.640 --> 01:35:53.199
<v Speaker 2>If you went online to the tax assessor's office and

1825
01:35:53.279 --> 01:35:56.960
<v Speaker 2>found your your appraisal card or any part of it,

1826
01:35:57.439 --> 01:35:58.840
<v Speaker 2>anything has your legal on it.

1827
01:36:00.680 --> 01:36:04.760
<v Speaker 19>Oh keep, But why would they say it's not on there?

1828
01:36:05.319 --> 01:36:07.359
<v Speaker 2>Well, I don't care what they say. I can go

1829
01:36:07.439 --> 01:36:08.960
<v Speaker 2>on there right now. I had to go on the

1830
01:36:09.039 --> 01:36:11.479
<v Speaker 2>other day and look at one for my hangar. It's

1831
01:36:11.600 --> 01:36:14.199
<v Speaker 2>on there. You can go on there and look at

1832
01:36:14.319 --> 01:36:17.479
<v Speaker 2>any property you have the address for that, and I

1833
01:36:17.560 --> 01:36:19.880
<v Speaker 2>don't know why, I, honest to goodness, don't know why.

1834
01:36:20.760 --> 01:36:24.000
<v Speaker 16>If it is on there, how do I, Brad?

1835
01:36:24.119 --> 01:36:25.479
<v Speaker 8>How do I mean, Dan?

1836
01:36:25.640 --> 01:36:30.119
<v Speaker 19>How do I get it to where it is on there?

1837
01:36:30.680 --> 01:36:33.520
<v Speaker 6>You probably will need to record a what's called a

1838
01:36:33.640 --> 01:36:36.479
<v Speaker 6>corrective deed. That's one way to do it where you're

1839
01:36:36.560 --> 01:36:40.880
<v Speaker 6>fixing things on a previous deed. There's also affidavits you

1840
01:36:40.920 --> 01:36:42.920
<v Speaker 6>can file, but usually a corrective deed is a better

1841
01:36:42.960 --> 01:36:46.000
<v Speaker 6>way to do it because you can't undo. You can't

1842
01:36:46.039 --> 01:36:48.560
<v Speaker 6>go back and like modify a deed. You record it already.

1843
01:36:48.680 --> 01:36:49.079
<v Speaker 7>You can't.

1844
01:36:49.239 --> 01:36:52.039
<v Speaker 6>You can't, you cannot, you cannot.

1845
01:36:52.239 --> 01:36:53.119
<v Speaker 2>Well, then what do you do?

1846
01:36:53.399 --> 01:36:56.520
<v Speaker 6>You got to file the corrective deed. It's another document one, Okay.

1847
01:36:56.640 --> 01:37:00.520
<v Speaker 6>The clerk Recorder's office is not messing with that chain. Okay,

1848
01:37:00.640 --> 01:37:02.960
<v Speaker 6>that's the whole point. So you've got to file something

1849
01:37:03.039 --> 01:37:04.840
<v Speaker 6>new to go back and correct the previous one.

1850
01:37:06.279 --> 01:37:09.039
<v Speaker 2>Okay. Here's what I found as I asked my girlfriend

1851
01:37:09.800 --> 01:37:13.119
<v Speaker 2>that the legal description could be found in several areas.

1852
01:37:14.760 --> 01:37:18.239
<v Speaker 2>It says here the County Assessor's website, free and public access.

1853
01:37:19.000 --> 01:37:23.319
<v Speaker 2>You search the County Assessor's website wherever County you're in,

1854
01:37:24.279 --> 01:37:27.840
<v Speaker 2>you look for the property search tool and you put

1855
01:37:28.039 --> 01:37:30.359
<v Speaker 2>you can put it in an address or names or whatever,

1856
01:37:31.159 --> 01:37:33.760
<v Speaker 2>and you will get the partial ID and the legal

1857
01:37:33.800 --> 01:37:37.079
<v Speaker 2>description immediately. That's what it says.

1858
01:37:37.760 --> 01:37:41.720
<v Speaker 19>And so Dan, do I have to then go through

1859
01:37:42.039 --> 01:37:44.039
<v Speaker 19>Brad to get a new deed?

1860
01:37:44.840 --> 01:37:44.880
<v Speaker 2>No?

1861
01:37:45.119 --> 01:37:45.880
<v Speaker 7>Not necessarily.

1862
01:37:46.039 --> 01:37:49.239
<v Speaker 6>No, He's just saying, do you think the whole you

1863
01:37:49.760 --> 01:37:51.079
<v Speaker 6>might have created a little bit of a hole here?

1864
01:37:52.079 --> 01:37:54.199
<v Speaker 6>And you know, we have situations where it's like people

1865
01:37:54.239 --> 01:37:56.800
<v Speaker 6>don't fix it and then they pass away some years later.

1866
01:37:56.920 --> 01:37:59.479
<v Speaker 6>It's like, now the family's got a decades old you

1867
01:37:59.560 --> 01:38:01.479
<v Speaker 6>know that they're going and having to go back and

1868
01:38:01.560 --> 01:38:03.479
<v Speaker 6>correct through like a probate case that they wouldn't have

1869
01:38:03.479 --> 01:38:05.840
<v Speaker 6>had to fire or got to help you a quiet

1870
01:38:05.840 --> 01:38:08.439
<v Speaker 6>title action. Those are just a huge pain. So you

1871
01:38:08.520 --> 01:38:11.880
<v Speaker 6>definitely want to get it right. And you know, yes,

1872
01:38:12.000 --> 01:38:16.439
<v Speaker 6>you're probably gonna have to file something new and you

1873
01:38:16.520 --> 01:38:18.560
<v Speaker 6>know this is a legal document, but.

1874
01:38:18.680 --> 01:38:21.039
<v Speaker 19>It's not something I can do myself.

1875
01:38:21.399 --> 01:38:23.079
<v Speaker 2>You can, and of course you can.

1876
01:38:23.600 --> 01:38:26.319
<v Speaker 6>You can, you absolutely can, and you just proved yourself

1877
01:38:26.439 --> 01:38:26.760
<v Speaker 6>you could.

1878
01:38:26.840 --> 01:38:30.079
<v Speaker 2>You just made a mistake and if you make another mistake,

1879
01:38:30.119 --> 01:38:32.079
<v Speaker 2>what Dan is saying is you don't get to correct them.

1880
01:38:32.359 --> 01:38:35.399
<v Speaker 2>You have to keep revising them, and sometimes the county

1881
01:38:35.479 --> 01:38:38.279
<v Speaker 2>doesn't find the mistake. See, you're lucky they found the

1882
01:38:38.319 --> 01:38:41.039
<v Speaker 2>mistake and told you to correct it. Some cases they

1883
01:38:41.079 --> 01:38:43.720
<v Speaker 2>don't find it, and you die and what you thought

1884
01:38:43.760 --> 01:38:47.680
<v Speaker 2>you did didn't work and they find a mistake on it,

1885
01:38:48.079 --> 01:38:51.000
<v Speaker 2>and then it's hell to pay for your heirs to

1886
01:38:51.159 --> 01:38:51.880
<v Speaker 2>try to correct it.

1887
01:38:53.279 --> 01:38:57.199
<v Speaker 19>So where do I find a site that I can

1888
01:38:57.359 --> 01:38:58.680
<v Speaker 19>create a new deed?

1889
01:38:59.640 --> 01:38:59.720
<v Speaker 8>Oh?

1890
01:38:59.720 --> 01:39:02.760
<v Speaker 2>Wait, oh, oh, that part is different. I told you

1891
01:39:02.840 --> 01:39:04.399
<v Speaker 2>how to find the legal So where does he go?

1892
01:39:04.680 --> 01:39:06.960
<v Speaker 2>You just download a quit claim deed and fill it out.

1893
01:39:07.000 --> 01:39:09.439
<v Speaker 6>Well, like I said, i'd probably a corrective deed at

1894
01:39:09.439 --> 01:39:11.359
<v Speaker 6>this point correct a previous.

1895
01:39:11.039 --> 01:39:12.760
<v Speaker 7>So it's not just another quick claim.

1896
01:39:13.000 --> 01:39:14.760
<v Speaker 6>Yeah, I mean you're asking for legal advice.

1897
01:39:14.960 --> 01:39:19.199
<v Speaker 2>Yeah, yeah, you need to. You're okay, Look, the correct

1898
01:39:19.439 --> 01:39:21.680
<v Speaker 2>the original quit claim would have been easier for you

1899
01:39:21.760 --> 01:39:23.880
<v Speaker 2>to do on your own. I would not attempt to

1900
01:39:23.920 --> 01:39:27.359
<v Speaker 2>do the corrective deed. That's that's my advice.

1901
01:39:27.640 --> 01:39:27.920
<v Speaker 7>Okay.

1902
01:39:28.279 --> 01:39:30.600
<v Speaker 2>So I imagine you can find someone to tell you

1903
01:39:31.279 --> 01:39:34.319
<v Speaker 2>we don't feel comfortable with that. If you need to

1904
01:39:34.399 --> 01:39:37.920
<v Speaker 2>do a corrective deed and and you're sure it's not

1905
01:39:38.079 --> 01:39:39.119
<v Speaker 2>just you can't adent.

1906
01:39:39.319 --> 01:39:41.439
<v Speaker 7>You can't amend, you can't do anything. It has to

1907
01:39:41.520 --> 01:39:42.319
<v Speaker 7>be a corrective deed.

1908
01:39:42.600 --> 01:39:45.039
<v Speaker 2>So in a in a chain of title, you could

1909
01:39:45.159 --> 01:39:48.159
<v Speaker 2>theoretically have a number of errors and it's just it

1910
01:39:48.279 --> 01:39:49.119
<v Speaker 2>doesn't go away.

1911
01:39:49.399 --> 01:39:51.439
<v Speaker 7>It's just the subsequent deed corrects it.

1912
01:39:51.520 --> 01:39:53.399
<v Speaker 6>Yeah, eventually a title company is going to figure it

1913
01:39:53.399 --> 01:39:55.119
<v Speaker 6>out and be like, well, who's going to fix this?

1914
01:39:55.600 --> 01:39:57.920
<v Speaker 6>So you want to get it fixed, and.

1915
01:39:58.399 --> 01:40:00.720
<v Speaker 2>Now sometimes title companies will do that for you.

1916
01:40:00.920 --> 01:40:03.640
<v Speaker 6>Yeah, you can talk to a title company too, but

1917
01:40:04.000 --> 01:40:06.000
<v Speaker 6>uh yeah, I mean somebody needs to look at the

1918
01:40:06.199 --> 01:40:08.800
<v Speaker 6>notification you got from the assessor's office and then correct.

1919
01:40:08.840 --> 01:40:11.560
<v Speaker 6>If you're recorded, look at the previous deed and then correct. Look,

1920
01:40:11.600 --> 01:40:14.359
<v Speaker 6>give you advice based on the paperwork, like yeah, because

1921
01:40:14.399 --> 01:40:16.800
<v Speaker 6>usually when people are telling me stuff, they're they're getting

1922
01:40:16.800 --> 01:40:17.319
<v Speaker 6>it wrong.

1923
01:40:17.399 --> 01:40:20.279
<v Speaker 2>I think Terry, in your quest to save money, I

1924
01:40:20.319 --> 01:40:22.279
<v Speaker 2>think you cost yourself a little money at this point

1925
01:40:22.359 --> 01:40:24.680
<v Speaker 2>because you're gonna have to get someone to do it.

1926
01:40:25.439 --> 01:40:27.760
<v Speaker 2>Three oh three seven one three talks seven one three

1927
01:40:27.880 --> 01:40:36.760
<v Speaker 2>eight two five five Go with a sure thing Denver's

1928
01:40:36.800 --> 01:40:39.640
<v Speaker 2>Best roofer excel roofing dot com. You don't pay a

1929
01:40:39.800 --> 01:40:46.199
<v Speaker 2>cent until you're content. Time for an insurance check up free,

1930
01:40:46.359 --> 01:40:50.039
<v Speaker 2>no obligation. In comparison, call Compass Insurance paying too much

1931
01:40:50.199 --> 01:40:53.079
<v Speaker 2>your coverage at dozens of insurance companies find out now

1932
01:40:53.239 --> 01:40:55.680
<v Speaker 2>three oh three seven seven to one. Help You'll think

1933
01:40:55.760 --> 01:40:58.319
<v Speaker 2>you're his only customer when you choose Frank durand the

1934
01:40:58.359 --> 01:41:02.119
<v Speaker 2>real estate man dot Com your home with Remax Alliance

1935
01:41:02.359 --> 01:41:08.239
<v Speaker 2>three all three nine two zero sixteen twenty two. Hi

1936
01:41:08.399 --> 01:41:11.880
<v Speaker 2>Tom Martino here three all three seven one three talks

1937
01:41:11.920 --> 01:41:15.479
<v Speaker 2>seven one three eight two five to five. All right, So,

1938
01:41:16.079 --> 01:41:20.600
<v Speaker 2>Dan McKenzie, we have someone else who wants to know

1939
01:41:20.960 --> 01:41:25.720
<v Speaker 2>about uh deading and stuff. So is the best way

1940
01:41:25.880 --> 01:41:29.199
<v Speaker 2>when you have a trust to deed with quit claim

1941
01:41:29.319 --> 01:41:32.079
<v Speaker 2>deeds into the trust or what other way would you

1942
01:41:33.000 --> 01:41:33.239
<v Speaker 2>do it?

1943
01:41:33.319 --> 01:41:34.880
<v Speaker 7>So, there's lots of different kinds of deeds.

1944
01:41:34.920 --> 01:41:37.239
<v Speaker 6>You've got quit claim deeds, you got warranty deeds, you

1945
01:41:37.279 --> 01:41:39.439
<v Speaker 6>got bargain and sale deeds. I mean these are it's

1946
01:41:39.640 --> 01:41:42.880
<v Speaker 6>kind of a question that I have to defer review

1947
01:41:44.079 --> 01:41:46.920
<v Speaker 6>when we're doing deeds to trust in our law firm.

1948
01:41:47.079 --> 01:41:50.199
<v Speaker 7>So it's not a standard answer. I mean, if you preciate,

1949
01:41:50.199 --> 01:41:52.520
<v Speaker 7>you don't do a general warranty deed, right, Okay?

1950
01:41:52.640 --> 01:41:55.279
<v Speaker 6>Yeah, because you know the issue with a warranty deeder

1951
01:41:55.359 --> 01:41:56.960
<v Speaker 6>saying I warrant the title is good.

1952
01:41:57.039 --> 01:41:59.359
<v Speaker 2>And the concern is that would you buy title insurance

1953
01:41:59.399 --> 01:42:00.720
<v Speaker 2>for yourself, your own trust?

1954
01:42:01.000 --> 01:42:01.359
<v Speaker 7>That's the thing.

1955
01:42:01.439 --> 01:42:04.479
<v Speaker 6>It's like, if the trust gets sued because of a

1956
01:42:05.039 --> 01:42:07.279
<v Speaker 6>defect in title and it doesn't have the title insurance,

1957
01:42:07.279 --> 01:42:08.680
<v Speaker 6>you're going to go back to the previous owner. Well,

1958
01:42:08.720 --> 01:42:09.039
<v Speaker 6>who's that?

1959
01:42:09.159 --> 01:42:10.760
<v Speaker 7>It's me and I have a title.

1960
01:42:11.159 --> 01:42:15.600
<v Speaker 2>So there is some wisdom for the trust getting title

1961
01:42:15.680 --> 01:42:17.119
<v Speaker 2>insurance and a warranty deed.

1962
01:42:17.560 --> 01:42:20.600
<v Speaker 6>You know, the title insurance I don't necessarily think you

1963
01:42:20.680 --> 01:42:23.399
<v Speaker 6>need because you have Okay, you have the previous you're

1964
01:42:23.439 --> 01:42:24.159
<v Speaker 6>the previous owner.

1965
01:42:24.680 --> 01:42:27.159
<v Speaker 2>But a warranty deed is it cleaner than a quick claim?

1966
01:42:27.319 --> 01:42:28.199
<v Speaker 2>Is it stronger?

1967
01:42:28.560 --> 01:42:29.239
<v Speaker 7>It's stronger.

1968
01:42:29.279 --> 01:42:32.119
<v Speaker 6>It's I think there's a there's a concern among lawyers

1969
01:42:32.119 --> 01:42:34.399
<v Speaker 6>in Colorado that using a quick claim deed will sever

1970
01:42:34.560 --> 01:42:37.159
<v Speaker 6>that title insurance and actually using a warranty.

1971
01:42:36.840 --> 01:42:40.520
<v Speaker 7>Deed will maintain it. Okay, that's very yeah.

1972
01:42:41.039 --> 01:42:44.399
<v Speaker 6>Yeah, So again I just tell people like, just you know,

1973
01:42:44.960 --> 01:42:47.439
<v Speaker 6>this is not usually a huge expense to pay a

1974
01:42:47.520 --> 01:42:50.359
<v Speaker 6>lawyer to do a deed for you or a title company.

1975
01:42:50.680 --> 01:42:53.279
<v Speaker 6>And we see people do their deeds all the all

1976
01:42:53.359 --> 01:42:56.159
<v Speaker 6>the time, and they make mistakes and as you just mentioned,

1977
01:42:56.199 --> 01:42:57.960
<v Speaker 6>it might not surface for decades.

1978
01:42:58.359 --> 01:42:59.640
<v Speaker 7>Right, We've got a probate.

1979
01:42:59.359 --> 01:43:01.760
<v Speaker 6>Going on that the person died in nineteen ninety two

1980
01:43:02.359 --> 01:43:05.359
<v Speaker 6>and their family company with indeed and the people who

1981
01:43:05.439 --> 01:43:07.520
<v Speaker 6>executed that deed had no court authority to do so,

1982
01:43:08.159 --> 01:43:09.600
<v Speaker 6>and they just thought they could do it because they

1983
01:43:09.640 --> 01:43:11.680
<v Speaker 6>were the person's kids. And now here it is thirty

1984
01:43:11.680 --> 01:43:14.159
<v Speaker 6>two years later and somebody's trying to finally sell that property.

1985
01:43:14.279 --> 01:43:15.720
<v Speaker 7>Entitled company is saying, well, who is this?

1986
01:43:16.279 --> 01:43:18.199
<v Speaker 6>Who are their errors? We're having to chase people around

1987
01:43:18.239 --> 01:43:21.880
<v Speaker 6>the entire country, some of whom are in like care facilities,

1988
01:43:22.359 --> 01:43:24.159
<v Speaker 6>you know, and get their sign off.

1989
01:43:25.560 --> 01:43:28.520
<v Speaker 2>Wow, this is bad. By the way, Dan McKenzie is

1990
01:43:28.520 --> 01:43:32.479
<v Speaker 2>our guest today, McKenzie Law State Planning, and his number

1991
01:43:32.560 --> 01:43:34.600
<v Speaker 2>is so good it sounds like he's not here, but

1992
01:43:34.720 --> 01:43:37.800
<v Speaker 2>he is live and local eight three three COO Plans.

1993
01:43:38.279 --> 01:43:39.720
<v Speaker 7>It's not some big national firm.

1994
01:43:39.800 --> 01:43:42.079
<v Speaker 2>He's a local firm that takes care of you one

1995
01:43:42.159 --> 01:43:44.920
<v Speaker 2>on one eight three three COO Plans. We've got more

1996
01:43:44.960 --> 01:43:47.560
<v Speaker 2>coming up on the Troubleshooter Show three oh three seven

1997
01:43:47.600 --> 01:43:49.760
<v Speaker 2>to one three Talk or three oh three Martino, get

1998
01:43:49.800 --> 01:43:55.399
<v Speaker 2>your calls in now go with a sure thing Denver's

1999
01:43:55.479 --> 01:43:58.319
<v Speaker 2>Best roofer Excel Roofing dot com. You don't pay a

2000
01:43:58.439 --> 01:44:04.359
<v Speaker 2>cent until you're content. Plea time for an insurance check

2001
01:44:04.439 --> 01:44:08.439
<v Speaker 2>up free no obligation comparison call Compass Insurance paying too

2002
01:44:08.520 --> 01:44:11.560
<v Speaker 2>much your coverage at dozens of insurance companies find out

2003
01:44:11.640 --> 01:44:14.119
<v Speaker 2>now three oh three seven seven to one help. You'll

2004
01:44:14.159 --> 01:44:16.920
<v Speaker 2>think you're his only customer when you choose Frank durand

2005
01:44:16.920 --> 01:44:19.359
<v Speaker 2>the real estate Man dot com to list your home

2006
01:44:19.600 --> 01:44:22.760
<v Speaker 2>with Remax Alliance three oh three nine two zero sixteen

2007
01:44:22.800 --> 01:44:23.479
<v Speaker 2>twenty two.

2008
01:44:29.079 --> 01:44:37.720
<v Speaker 1>Ripped you needed? That's who you don't have? Run anxious

2009
01:44:37.800 --> 01:44:41.840
<v Speaker 1>as the cad Shooter's gonna help.

2010
01:44:41.880 --> 01:44:47.960
<v Speaker 5>Come Dix is the Troubleshooter Show Now Tom Martino.

2011
01:44:48.359 --> 01:44:49.680
<v Speaker 7>Hey, welcome to the show.

2012
01:44:49.720 --> 01:44:52.960
<v Speaker 2>I'm Tom Martino. Thanks for being here. We are solving problems,

2013
01:44:53.000 --> 01:44:55.640
<v Speaker 2>answering questions, taking complaints, make your life a little easier,

2014
01:44:56.199 --> 01:45:00.560
<v Speaker 2>and we are working on problems behind the scenes on phones.

2015
01:45:00.640 --> 01:45:02.960
<v Speaker 2>You give us a call, we will help you. All

2016
01:45:03.000 --> 01:45:04.680
<v Speaker 2>you have to do is call me. This hour brought

2017
01:45:04.680 --> 01:45:08.680
<v Speaker 2>to you by Wave eight Wealth Management. Yes, my very

2018
01:45:08.760 --> 01:45:11.239
<v Speaker 2>own company. So I do want to make that disclaimer.

2019
01:45:11.319 --> 01:45:14.000
<v Speaker 2>One hundred percent of my investable funds are there, and

2020
01:45:14.720 --> 01:45:19.159
<v Speaker 2>that is my pledge to. I started a financial advisement

2021
01:45:19.239 --> 01:45:25.199
<v Speaker 2>company because I believe the industry basically needs some help. Okay,

2022
01:45:25.600 --> 01:45:28.319
<v Speaker 2>so I'm not kidding three or three seven seven one

2023
01:45:28.439 --> 01:45:31.159
<v Speaker 2>help seven seven one four three five seven.

2024
01:45:32.439 --> 01:45:35.880
<v Speaker 7>My pledge. I founded this for myself. It was selfish.

2025
01:45:36.399 --> 01:45:38.840
<v Speaker 2>After years and years of doing it, I decided to

2026
01:45:38.920 --> 01:45:42.640
<v Speaker 2>make it public and do official registration with the state

2027
01:45:43.079 --> 01:45:48.840
<v Speaker 2>and with Securities Division, and also I started a private

2028
01:45:48.920 --> 01:45:52.520
<v Speaker 2>fund as well. And it's all because I wanted to

2029
01:45:52.640 --> 01:45:55.479
<v Speaker 2>do it for myself. Most of the industry does not

2030
01:45:55.800 --> 01:45:58.760
<v Speaker 2>actually invest your money. They counsel you and place it

2031
01:45:58.840 --> 01:46:01.279
<v Speaker 2>with other dealers and brokers and make a spread their

2032
01:46:01.399 --> 01:46:02.439
<v Speaker 2>relationship managers.

2033
01:46:02.479 --> 01:46:03.479
<v Speaker 7>I'm not criticizing it.

2034
01:46:04.239 --> 01:46:07.079
<v Speaker 2>People love your financial advisor, fine, but they're like a

2035
01:46:07.199 --> 01:46:08.000
<v Speaker 2>remax broker.

2036
01:46:08.039 --> 01:46:09.600
<v Speaker 7>They're there, they make money in between.

2037
01:46:10.600 --> 01:46:12.399
<v Speaker 2>I want you to know that one hundred percent of

2038
01:46:12.479 --> 01:46:14.920
<v Speaker 2>my money is in this company, and one hundred percent

2039
01:46:15.000 --> 01:46:17.079
<v Speaker 2>of everyone in the company has their money in it.

2040
01:46:17.199 --> 01:46:21.000
<v Speaker 2>That's the requirement. We do nothing that we don't do ourselves.

2041
01:46:21.520 --> 01:46:26.000
<v Speaker 2>It's absolutely one transparent. I can tell you there's not

2042
01:46:26.119 --> 01:46:30.119
<v Speaker 2>a question we won't answer. I'm the founder and so

2043
01:46:30.279 --> 01:46:34.560
<v Speaker 2>therefore this is my company. Just I want to make

2044
01:46:34.600 --> 01:46:36.359
<v Speaker 2>that very clear. So I will make money on it.

2045
01:46:37.119 --> 01:46:40.880
<v Speaker 2>We make fees, but uh, I want you to check

2046
01:46:40.920 --> 01:46:44.520
<v Speaker 2>it out. Wave Eightwealthmanagement dot com. The shortcut is W

2047
01:46:44.840 --> 01:46:50.199
<v Speaker 2>eight WM dot com W eight WM Wave eight Wealth

2048
01:46:50.319 --> 01:46:53.720
<v Speaker 2>Management and the numbers three oh three seven seven one

2049
01:46:53.800 --> 01:46:57.279
<v Speaker 2>help seven seven one four three five seven. This is

2050
01:46:57.399 --> 01:47:00.359
<v Speaker 2>me personally. I did this. You know the time I

2051
01:47:00.399 --> 01:47:02.279
<v Speaker 2>did something like this years ago, I started a phone

2052
01:47:02.319 --> 01:47:04.359
<v Speaker 2>company because I was pissed off at the phone company.

2053
01:47:05.119 --> 01:47:06.920
<v Speaker 7>And I started I remember that for.

2054
01:47:07.000 --> 01:47:10.760
<v Speaker 2>Thirty two grand and then I brought an investor for

2055
01:47:10.880 --> 01:47:14.680
<v Speaker 2>sixty and this was years ago, and then we sold

2056
01:47:14.720 --> 01:47:18.960
<v Speaker 2>it to I think I can tell it wasn't a

2057
01:47:19.039 --> 01:47:22.239
<v Speaker 2>non disclosure. We sold it to Dish I believe for

2058
01:47:22.399 --> 01:47:25.239
<v Speaker 2>like eight million, eight to ten million or something. That

2059
01:47:25.399 --> 01:47:27.840
<v Speaker 2>was years ago. I started was called a Sea Leck

2060
01:47:28.439 --> 01:47:30.600
<v Speaker 2>and it was called Liberty Bell. And the reason I

2061
01:47:30.720 --> 01:47:32.640
<v Speaker 2>did it is because I was pissed off at.

2062
01:47:32.600 --> 01:47:33.239
<v Speaker 7>The phone company.

2063
01:47:33.680 --> 01:47:35.840
<v Speaker 2>Now I'm starting this company because I was pissed off

2064
01:47:35.880 --> 01:47:38.960
<v Speaker 2>at the financial planning and this excuse me financial you know,

2065
01:47:39.079 --> 01:47:40.560
<v Speaker 2>the investment advisement industry.

2066
01:47:40.960 --> 01:47:42.520
<v Speaker 7>I'm not pissed off at people. There are a lot

2067
01:47:42.560 --> 01:47:43.640
<v Speaker 7>of good people in it now.

2068
01:47:43.680 --> 01:47:45.520
<v Speaker 2>One thing I will tell you going through the process,

2069
01:47:46.279 --> 01:47:50.319
<v Speaker 2>Thank god, I will say that the State Securities Division

2070
01:47:50.439 --> 01:47:54.520
<v Speaker 2>and the sec and all of those people since this

2071
01:47:54.680 --> 01:47:57.239
<v Speaker 2>made off thing. I don't mean just since then, but

2072
01:47:57.399 --> 01:48:01.560
<v Speaker 2>they do a great job screening people and you can

2073
01:48:01.640 --> 01:48:04.000
<v Speaker 2>feel safe. And that's one thing I feel good about

2074
01:48:04.000 --> 01:48:07.479
<v Speaker 2>about the industry in general. They're really really watchdog in

2075
01:48:07.560 --> 01:48:12.079
<v Speaker 2>it for you. Anyway, a Deputy Bow has a follow

2076
01:48:12.199 --> 01:48:14.479
<v Speaker 2>up or no, he has a question, I'm sorry, Deputy Bout,

2077
01:48:14.479 --> 01:48:17.399
<v Speaker 2>you have a question for Dan mackenzie. So let's go

2078
01:48:17.479 --> 01:48:21.079
<v Speaker 2>to the wide shot here. Okay, go ahead, Bo, Dan's listening.

2079
01:48:22.119 --> 01:48:26.600
<v Speaker 4>Hey Dan, I have a question on I'd like to

2080
01:48:26.760 --> 01:48:33.800
<v Speaker 4>know the difference of an addendum and a conticel that

2081
01:48:34.000 --> 01:48:36.720
<v Speaker 4>she use after a will or trust is done. Are

2082
01:48:36.760 --> 01:48:38.439
<v Speaker 4>they synonymous or are they different?

2083
01:48:38.800 --> 01:48:41.319
<v Speaker 2>Just like that's a good question, Bo. I've heard of

2084
01:48:41.399 --> 01:48:45.000
<v Speaker 2>that term cottaicil and amendments. Are they the one and

2085
01:48:45.079 --> 01:48:45.439
<v Speaker 2>the same?

2086
01:48:46.039 --> 01:48:46.159
<v Speaker 13>Uh?

2087
01:48:46.520 --> 01:48:49.479
<v Speaker 6>Well, cota sill usually is an amendment to a will,

2088
01:48:50.119 --> 01:48:52.239
<v Speaker 6>and addendum is like an addition to it.

2089
01:48:53.359 --> 01:48:57.880
<v Speaker 7>Either way, whether it's regards to which one it is.

2090
01:48:58.840 --> 01:49:00.920
<v Speaker 6>It has to be executed with the same formality as

2091
01:49:00.960 --> 01:49:03.479
<v Speaker 6>the will itself, So if you're doing that, you do

2092
01:49:03.720 --> 01:49:07.479
<v Speaker 6>have to have you know, the Gold standards have two

2093
01:49:07.640 --> 01:49:11.800
<v Speaker 6>witnesses and a notary. The statue in Colorado does let

2094
01:49:11.840 --> 01:49:13.760
<v Speaker 6>you do one or the other, but you know, we

2095
01:49:13.880 --> 01:49:16.079
<v Speaker 6>usually do both just to make sure. But if you're

2096
01:49:16.079 --> 01:49:18.800
<v Speaker 6>going to do a codicil or an addendum, usually you

2097
01:49:18.840 --> 01:49:22.479
<v Speaker 6>should do that. Make sure it's very clear that you're

2098
01:49:22.880 --> 01:49:25.319
<v Speaker 6>making an amendment or an addendum to the previous will,

2099
01:49:25.960 --> 01:49:29.039
<v Speaker 6>and so that it's you know, make sure it doesn't

2100
01:49:29.600 --> 01:49:32.720
<v Speaker 6>if there's a conflict which one which one has priority.

2101
01:49:32.880 --> 01:49:35.039
<v Speaker 6>So there's there's a few things to be careful about there,

2102
01:49:35.119 --> 01:49:37.319
<v Speaker 6>but the primary thing is you got to make sure

2103
01:49:37.359 --> 01:49:38.960
<v Speaker 6>that it's the same formality as the will.

2104
01:49:40.159 --> 01:49:44.880
<v Speaker 4>Shows an addendum and the concil synonymous, Are they basically

2105
01:49:45.000 --> 01:49:45.359
<v Speaker 4>the same?

2106
01:49:46.079 --> 01:49:46.800
<v Speaker 7>I don't think so.

2107
01:49:47.079 --> 01:49:48.920
<v Speaker 6>I mean, when I hear those terms, I would say

2108
01:49:49.039 --> 01:49:51.399
<v Speaker 6>codicil is amending terms in the will. So if your

2109
01:49:51.439 --> 01:49:54.039
<v Speaker 6>will said leave everything the Bob, you might have the

2110
01:49:54.119 --> 01:49:56.920
<v Speaker 6>castile let's says leave everything to Steve, like you're changing

2111
01:49:57.000 --> 01:49:57.359
<v Speaker 6>that term.

2112
01:49:57.399 --> 01:49:59.960
<v Speaker 2>And an amendment is an addition, like hey, I also

2113
01:50:00.079 --> 01:50:02.039
<v Speaker 2>so have this adm or you just.

2114
01:50:02.079 --> 01:50:04.159
<v Speaker 7>Bought something new and you want to leave your boat

2115
01:50:04.199 --> 01:50:04.640
<v Speaker 7>to somebody.

2116
01:50:04.760 --> 01:50:06.560
<v Speaker 6>Yeah, I mean then you know, and then them to

2117
01:50:06.600 --> 01:50:07.000
<v Speaker 6>say yes.

2118
01:50:07.079 --> 01:50:09.119
<v Speaker 7>Now, I'm see I see the difference.

2119
01:50:09.359 --> 01:50:12.079
<v Speaker 2>But it seems to me if I had a will

2120
01:50:12.720 --> 01:50:14.600
<v Speaker 2>and I was leaving everything to Bow or a lot

2121
01:50:14.680 --> 01:50:15.920
<v Speaker 2>to Bow, and now I want to leave it to

2122
01:50:16.000 --> 01:50:19.560
<v Speaker 2>Dmitri part of it, I wouldn't want to do a condosil.

2123
01:50:19.760 --> 01:50:21.199
<v Speaker 7>I would because cells are like.

2124
01:50:21.239 --> 01:50:23.359
<v Speaker 6>From the days when we had typewriters and it was hard,

2125
01:50:23.840 --> 01:50:24.840
<v Speaker 6>That's right, the whole thing.

2126
01:50:24.920 --> 01:50:27.119
<v Speaker 2>I would just I would just redo it, right, yeah,

2127
01:50:27.399 --> 01:50:30.880
<v Speaker 2>because why would you ever do that and leave it

2128
01:50:31.000 --> 01:50:33.520
<v Speaker 2>open for well he wait a minute, you know I

2129
01:50:33.720 --> 01:50:34.800
<v Speaker 2>was on there first, right.

2130
01:50:35.079 --> 01:50:37.279
<v Speaker 6>Amendments are always hard to deal with, like a contract

2131
01:50:37.359 --> 01:50:39.560
<v Speaker 6>or whatever else. It's like, you know, okay, which paragraph

2132
01:50:39.640 --> 01:50:41.479
<v Speaker 6>is this a ending? And which part is amending? Which

2133
01:50:41.520 --> 01:50:42.600
<v Speaker 6>part isn't? Is this the harder?

2134
01:50:42.720 --> 01:50:43.199
<v Speaker 7>Yeah?

2135
01:50:43.920 --> 01:50:47.279
<v Speaker 2>Bo, Why wouldn't someone just take it away and put

2136
01:50:47.279 --> 01:50:49.319
<v Speaker 2>a new one in and you can say this is

2137
01:50:49.359 --> 01:50:53.079
<v Speaker 2>a new will and testament that supersedes any other ones, right, yeah.

2138
01:50:53.439 --> 01:50:58.159
<v Speaker 4>Well you're adding to the will, whereas a consasole, you're

2139
01:50:58.279 --> 01:50:59.800
<v Speaker 4>changing something in the else.

2140
01:51:00.079 --> 01:51:00.880
<v Speaker 7>That's how I interpret that.

2141
01:51:02.479 --> 01:51:05.079
<v Speaker 2>Yeah, that's exactly right, that's exactly right.

2142
01:51:05.760 --> 01:51:09.039
<v Speaker 4>And that dum is an addition to the will, and

2143
01:51:09.119 --> 01:51:11.560
<v Speaker 4>a condaicel is a change to the will.

2144
01:51:11.840 --> 01:51:14.159
<v Speaker 2>Yeah, and we don't recommend or I'm not giving you

2145
01:51:14.279 --> 01:51:16.600
<v Speaker 2>legal advice, but Dan says it's easier just to redo

2146
01:51:16.680 --> 01:51:18.399
<v Speaker 2>a will than to do a conda. Still, so you

2147
01:51:18.960 --> 01:51:22.920
<v Speaker 2>leave everything clear in the meaning, no misinterpretations.

2148
01:51:23.880 --> 01:51:26.520
<v Speaker 4>Okay, can you get by with one witness.

2149
01:51:26.279 --> 01:51:27.159
<v Speaker 8>Or do you need two?

2150
01:51:27.960 --> 01:51:29.720
<v Speaker 6>I mean, the statue says you don't need any if

2151
01:51:29.720 --> 01:51:33.520
<v Speaker 6>you have a notary. When we execute wills, we do both.

2152
01:51:33.600 --> 01:51:35.840
<v Speaker 6>We have two witnesses and a notary because it's one

2153
01:51:35.960 --> 01:51:38.159
<v Speaker 6>or the other in the statute. But I've heard, like

2154
01:51:38.239 --> 01:51:40.880
<v Speaker 6>the Denver Probate Court, for example, isn't really honoring that.

2155
01:51:41.000 --> 01:51:44.199
<v Speaker 6>They're saying we want both. That was the traditional rule,

2156
01:51:44.279 --> 01:51:46.279
<v Speaker 6>but at some point the statues in Colorado said it's

2157
01:51:46.319 --> 01:51:49.039
<v Speaker 6>one or the other. So one witness is actually one

2158
01:51:49.079 --> 01:51:52.239
<v Speaker 6>more than you need, but one less than I would recommend.

2159
01:51:53.600 --> 01:51:55.960
<v Speaker 4>Okay. And then I have a question on a trust.

2160
01:51:56.920 --> 01:52:00.800
<v Speaker 4>So if I were to pass away, a trust goes

2161
01:52:00.840 --> 01:52:04.399
<v Speaker 4>to the trustee, how does the trustee get the legal

2162
01:52:04.640 --> 01:52:08.840
<v Speaker 4>power to like go around and change bank accounts, like

2163
01:52:09.000 --> 01:52:11.640
<v Speaker 4>for example, on a will, you go to a probate

2164
01:52:11.920 --> 01:52:14.720
<v Speaker 4>and the court issues I think a letter of testametertery,

2165
01:52:14.800 --> 01:52:17.840
<v Speaker 4>which is the power to But how's that done with

2166
01:52:17.920 --> 01:52:20.800
<v Speaker 4>the trust because you said in your conversations that you

2167
01:52:20.960 --> 01:52:22.960
<v Speaker 4>do not have to go to court.

2168
01:52:22.800 --> 01:52:26.079
<v Speaker 6>If you have a living trust right, Yeah, the trustee.

2169
01:52:26.119 --> 01:52:28.159
<v Speaker 6>So there is something called the Uniform Trust Code in

2170
01:52:28.199 --> 01:52:30.920
<v Speaker 6>Colorado that was enacted several years ago, and it has

2171
01:52:31.000 --> 01:52:33.399
<v Speaker 6>the rules about how the trustee accepts the job.

2172
01:52:33.640 --> 01:52:35.520
<v Speaker 7>Lets people know that they're accepting the job.

2173
01:52:36.000 --> 01:52:38.560
<v Speaker 6>And so you've got to send out notice to the

2174
01:52:38.640 --> 01:52:42.439
<v Speaker 6>beneficiars of the trust that you were nominated to this job,

2175
01:52:42.560 --> 01:52:44.880
<v Speaker 6>you're accepting the position, and you are you know where

2176
01:52:44.960 --> 01:52:47.039
<v Speaker 6>to contact you so they know where to go. And

2177
01:52:47.119 --> 01:52:49.039
<v Speaker 6>then you have to provide you know, a inventory and

2178
01:52:49.079 --> 01:52:50.880
<v Speaker 6>accounting and all that kind of stuff to those people

2179
01:52:51.000 --> 01:52:53.439
<v Speaker 6>and the parts of the trust that concern them. And

2180
01:52:53.600 --> 01:52:56.479
<v Speaker 6>then you just do an affi David saying, I swear

2181
01:52:56.560 --> 01:52:58.359
<v Speaker 6>under oath that the person who created this trust has

2182
01:52:58.359 --> 01:53:00.119
<v Speaker 6>passed away. They named me, they'd be their trust d

2183
01:53:00.359 --> 01:53:02.319
<v Speaker 6>I am accepted that job, and that's what they show

2184
01:53:02.399 --> 01:53:02.760
<v Speaker 6>to the bank.

2185
01:53:02.920 --> 01:53:03.920
<v Speaker 7>So there is some.

2186
01:53:04.039 --> 01:53:06.720
<v Speaker 6>Documentation to do that probably sounded like a lot. Most

2187
01:53:06.760 --> 01:53:09.199
<v Speaker 6>of those documents are pretty simple and you just do

2188
01:53:09.279 --> 01:53:09.840
<v Speaker 6>them on your own.

2189
01:53:10.920 --> 01:53:13.319
<v Speaker 8>Okay, you have to go to court, you do not

2190
01:53:13.479 --> 01:53:13.880
<v Speaker 8>have to get.

2191
01:53:13.760 --> 01:53:16.840
<v Speaker 6>A court authorization now, so bo, I'm going to give

2192
01:53:16.840 --> 01:53:18.960
<v Speaker 6>you the proper spelling of my name for your will.

2193
01:53:24.520 --> 01:53:25.600
<v Speaker 7>Thank you, Thank you boy.

2194
01:53:25.760 --> 01:53:28.600
<v Speaker 2>Right hey, listen, Okay, So we have more coming up

2195
01:53:28.600 --> 01:53:31.239
<v Speaker 2>on the Troubleshooter Show. Deputy d I heard he called

2196
01:53:31.279 --> 01:53:34.399
<v Speaker 2>that dealer in Greeley. That's an interesting case. Well, we'll

2197
01:53:34.439 --> 01:53:36.239
<v Speaker 2>get an update on that and more coming up on

2198
01:53:36.279 --> 01:53:45.600
<v Speaker 2>the Troubleshooter Show. Go with a sure Thing Denver's Best

2199
01:53:45.680 --> 01:53:48.520
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2200
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2201
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2205
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<v Speaker 2>Real estate Man dot com to list your home with

2206
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<v Speaker 2>Remax Alliance three all three nine two zero sixteen twenty

2207
01:54:13.039 --> 01:54:18.359
<v Speaker 2>two Hey, Tom Marksino here three oh three seven one

2208
01:54:18.479 --> 01:54:21.479
<v Speaker 2>three talk three all three seven one three eight two

2209
01:54:21.680 --> 01:54:26.199
<v Speaker 2>five five. Welcome to the show. Let's uh talk to

2210
01:54:26.359 --> 01:54:30.359
<v Speaker 2>you about your problems, questions and complaints. I'm going to

2211
01:54:30.439 --> 01:54:32.399
<v Speaker 2>go to my friend here. Let's see where is it

2212
01:54:32.479 --> 01:54:35.359
<v Speaker 2>air we go? Let me just bring them up. Pat,

2213
01:54:35.439 --> 01:54:35.840
<v Speaker 2>are you there?

2214
01:54:35.960 --> 01:54:36.119
<v Speaker 16>Sir?

2215
01:54:37.319 --> 01:54:37.520
<v Speaker 2>Yes?

2216
01:54:37.640 --> 01:54:37.800
<v Speaker 19>Sir?

2217
01:54:38.199 --> 01:54:38.479
<v Speaker 2>Okay?

2218
01:54:38.560 --> 01:54:38.760
<v Speaker 16>Pat?

2219
01:54:38.840 --> 01:54:42.680
<v Speaker 2>Good? Well in between calls here again, callers get priority here.

2220
01:54:42.960 --> 01:54:46.000
<v Speaker 2>I want to talk about the stock market. Pat Jolliffe

2221
01:54:46.159 --> 01:54:49.840
<v Speaker 2>is my chief compliance officer and an investment counselor an

2222
01:54:49.920 --> 01:54:53.359
<v Speaker 2>investment advisor, and he's with Wave eight Wealth Management that

2223
01:54:53.479 --> 01:54:56.800
<v Speaker 2>we unveiled today and let people know about. Although Pat,

2224
01:54:56.840 --> 01:54:59.079
<v Speaker 2>we've been working together for many, many years. I already

2225
01:54:59.119 --> 01:55:03.199
<v Speaker 2>explained that how we started this whole thing, and and

2226
01:55:03.399 --> 01:55:06.840
<v Speaker 2>also that one of our own money is in it,

2227
01:55:07.319 --> 01:55:10.960
<v Speaker 2>we are not. Unfortunately that's not the case with a

2228
01:55:11.039 --> 01:55:13.960
<v Speaker 2>lot of companies. They they do a lot of talking,

2229
01:55:14.039 --> 01:55:16.600
<v Speaker 2>but they don't do a lot of walking. And I

2230
01:55:16.680 --> 01:55:19.560
<v Speaker 2>want to talk about the market. What the hell's going on?

2231
01:55:19.720 --> 01:55:21.199
<v Speaker 2>I hear it's up, I hear it's down. I hear

2232
01:55:21.239 --> 01:55:22.359
<v Speaker 2>it's up, I hear it's down.

2233
01:55:23.039 --> 01:55:24.600
<v Speaker 16>So what is it?

2234
01:55:24.720 --> 01:55:27.159
<v Speaker 7>I mean truly, what is it? What's driving it is?

2235
01:55:27.399 --> 01:55:31.640
<v Speaker 2>Is it the economy? I don't see it as now

2236
01:55:31.760 --> 01:55:34.680
<v Speaker 2>now our our Ai I told them about our Ai

2237
01:55:34.800 --> 01:55:38.399
<v Speaker 2>our Ai saying, you know, go here, go here, go here,

2238
01:55:38.439 --> 01:55:42.239
<v Speaker 2>and it's been pretty accurate. But what is causing this

2239
01:55:42.520 --> 01:55:45.960
<v Speaker 2>erratic movement? Is it the news about elections or is

2240
01:55:46.039 --> 01:55:47.640
<v Speaker 2>this common around election day? What?

2241
01:55:49.399 --> 01:55:49.600
<v Speaker 16>Well?

2242
01:55:49.720 --> 01:55:53.359
<v Speaker 12>I referred to it as headline risk, Tom, excuse me.

2243
01:55:53.359 --> 01:55:57.199
<v Speaker 12>And I think people are very emotional right now, certainly

2244
01:55:57.279 --> 01:55:59.840
<v Speaker 12>with what's going on with the election, but also with

2245
01:56:00.119 --> 01:56:03.119
<v Speaker 12>going on in the Middle East. And you know, you

2246
01:56:03.199 --> 01:56:05.479
<v Speaker 12>couple that with the other part of the things that

2247
01:56:05.560 --> 01:56:08.960
<v Speaker 12>people don't necessarily consider, as the fact that there's large

2248
01:56:09.039 --> 01:56:12.239
<v Speaker 12>pensions out there that are managing money that have future

2249
01:56:12.319 --> 01:56:14.640
<v Speaker 12>liabilities that they need to be able to meet, and

2250
01:56:14.720 --> 01:56:16.399
<v Speaker 12>the only way that they can do that is to

2251
01:56:16.920 --> 01:56:20.000
<v Speaker 12>funnel money into the markets in hopes of giving a

2252
01:56:20.079 --> 01:56:22.680
<v Speaker 12>return and access what that liability is going to be.

2253
01:56:22.880 --> 01:56:26.199
<v Speaker 12>And so, you know, people can only or institutions can

2254
01:56:26.279 --> 01:56:28.680
<v Speaker 12>only take a cash position for so long before they

2255
01:56:28.760 --> 01:56:30.039
<v Speaker 12>have to put that money to work.

2256
01:56:30.520 --> 01:56:33.720
<v Speaker 2>So when the money goes back into the market, is

2257
01:56:33.800 --> 01:56:36.439
<v Speaker 2>that good for the market? When they start coming from

2258
01:56:36.520 --> 01:56:40.560
<v Speaker 2>cash back into the market or does it create more volatility.

2259
01:56:41.520 --> 01:56:43.680
<v Speaker 12>Well, it's good for the market and the fact that

2260
01:56:43.800 --> 01:56:46.239
<v Speaker 12>it's going to drive pricing up so to the extent

2261
01:56:46.319 --> 01:56:48.880
<v Speaker 12>that you can find the opportunity and have an understanding

2262
01:56:48.960 --> 01:56:50.720
<v Speaker 12>where that flow is going to be. It's all about

2263
01:56:50.800 --> 01:56:55.479
<v Speaker 12>cash velocity. It's both from the investor and then it's

2264
01:56:55.520 --> 01:56:57.760
<v Speaker 12>also FED policy. You know, people think a lot of

2265
01:56:57.840 --> 01:57:01.079
<v Speaker 12>times it's more about the administration that's going to affect

2266
01:57:01.079 --> 01:57:03.279
<v Speaker 12>the direction of the market, but it's really about FED

2267
01:57:03.359 --> 01:57:06.319
<v Speaker 12>policy because they control the velocity of the money and

2268
01:57:06.399 --> 01:57:11.079
<v Speaker 12>the capital into the marketplace. And so obviously, having come

2269
01:57:11.119 --> 01:57:14.079
<v Speaker 12>out of a period of time when interest rates and

2270
01:57:14.119 --> 01:57:16.199
<v Speaker 12>the cost of money has been so high, we've had

2271
01:57:16.199 --> 01:57:19.960
<v Speaker 12>a dramatic decrease in the flow of just consumer capital

2272
01:57:20.039 --> 01:57:22.600
<v Speaker 12>flowing into the markets because it's been so costly. And

2273
01:57:22.680 --> 01:57:24.880
<v Speaker 12>now we're starting to see that come down, and so

2274
01:57:25.079 --> 01:57:27.079
<v Speaker 12>the cost comes down, you're going to see more capital

2275
01:57:27.119 --> 01:57:28.439
<v Speaker 12>flows in the markets as well.

2276
01:57:29.560 --> 01:57:31.319
<v Speaker 2>Yeah, and I want to explain that pack because I

2277
01:57:31.319 --> 01:57:35.239
<v Speaker 2>think it's important that people know that in order to

2278
01:57:36.079 --> 01:57:39.800
<v Speaker 2>understand that the correlation between interest and the market. What

2279
01:57:39.920 --> 01:57:42.760
<v Speaker 2>Pat was talking about is if you can make really

2280
01:57:42.840 --> 01:57:45.720
<v Speaker 2>good money with a normal savings account for goodness sakes,

2281
01:57:46.039 --> 01:57:48.640
<v Speaker 2>or a T bill. I think I was making six

2282
01:57:48.720 --> 01:57:50.760
<v Speaker 2>and a half percent for a while there, pat just

2283
01:57:50.840 --> 01:57:54.279
<v Speaker 2>letting it sit in treasury bills six and a half percent.

2284
01:57:54.560 --> 01:57:57.680
<v Speaker 2>So if you can make a relatively safe, risk free

2285
01:57:57.840 --> 01:58:02.520
<v Speaker 2>money in some of these online banks and T bills

2286
01:58:02.560 --> 01:58:05.159
<v Speaker 2>and different things, you tend to take it out of

2287
01:58:05.279 --> 01:58:09.079
<v Speaker 2>the market. You go into those safety things, and that

2288
01:58:09.399 --> 01:58:13.800
<v Speaker 2>causes the market to go down a bit, right, correct.

2289
01:58:13.520 --> 01:58:16.600
<v Speaker 12>And it's also in the converse. It's it's difficult on

2290
01:58:16.720 --> 01:58:19.079
<v Speaker 12>housing starts, right, because then you look at the cost

2291
01:58:19.159 --> 01:58:21.640
<v Speaker 12>of the money to go get a loan and get

2292
01:58:21.680 --> 01:58:23.720
<v Speaker 12>a home or refinance or anything like that. So it

2293
01:58:23.840 --> 01:58:27.319
<v Speaker 12>locks up the flow of capital that way. But as

2294
01:58:27.359 --> 01:58:30.359
<v Speaker 12>you've said, for a long time, it's been extremely difficult

2295
01:58:30.680 --> 01:58:35.239
<v Speaker 12>or more difficult to extract income out for particularly retired

2296
01:58:35.279 --> 01:58:37.960
<v Speaker 12>people and keep it in an environment where it's not

2297
01:58:38.079 --> 01:58:41.520
<v Speaker 12>extremely volatile because interst rates have been historically so low.

2298
01:58:41.680 --> 01:58:43.600
<v Speaker 12>So it's been a long time since we've been able

2299
01:58:43.640 --> 01:58:49.239
<v Speaker 12>to go to banks and CDs and things that mistrams

2300
01:58:49.520 --> 01:58:51.880
<v Speaker 12>actually gave a decent yield. So that's been nice, but

2301
01:58:51.920 --> 01:58:54.079
<v Speaker 12>we're going to see that start to flip and as

2302
01:58:54.119 --> 01:58:55.840
<v Speaker 12>you know, not to get too far into the weeds,

2303
01:58:55.920 --> 01:59:00.000
<v Speaker 12>but there's a you know, converse correlation between its interest rates.

2304
01:59:00.000 --> 01:59:03.159
<v Speaker 12>It's in the price of securities in the marketplace, particly

2305
01:59:03.199 --> 01:59:06.039
<v Speaker 12>with fixed income investments. People have a tendency and I

2306
01:59:06.079 --> 01:59:08.199
<v Speaker 12>think they're told this and it's incorrect, that there's no

2307
01:59:08.399 --> 01:59:11.279
<v Speaker 12>risk in bonds, and that's not true. There's a there's

2308
01:59:11.279 --> 01:59:15.479
<v Speaker 12>an inverse correlation between the face value of a bond

2309
01:59:15.520 --> 01:59:17.960
<v Speaker 12>that's trading in the marketplace versus what interest.

2310
01:59:17.720 --> 01:59:20.000
<v Speaker 7>Rates at the bank or that's right, that's right.

2311
01:59:20.720 --> 01:59:22.560
<v Speaker 2>I did say risk for it, and it's really not

2312
01:59:22.680 --> 01:59:24.640
<v Speaker 2>risk for you, because you have the risk of purchasing

2313
01:59:25.159 --> 01:59:27.640
<v Speaker 2>at the wrong time. You have the risk of having

2314
01:59:27.680 --> 01:59:29.359
<v Speaker 2>your money tied up and losing.

2315
01:59:30.760 --> 01:59:31.479
<v Speaker 7>Growing power.

2316
01:59:33.000 --> 01:59:35.319
<v Speaker 12>Well precisely, and to the extent, if you're holding a

2317
01:59:35.359 --> 01:59:38.520
<v Speaker 12>bond that's paying say five percent, and all of it,

2318
01:59:38.560 --> 01:59:41.560
<v Speaker 12>and you paid some sort of a premium for that bond,

2319
01:59:41.600 --> 01:59:43.079
<v Speaker 12>and all of a sudden the interest rates and the

2320
01:59:43.119 --> 01:59:45.399
<v Speaker 12>savings accounts go to six percent, what's going to happen

2321
01:59:45.479 --> 01:59:47.239
<v Speaker 12>to the face value of that bond in the marketplace.

2322
01:59:47.319 --> 01:59:49.800
<v Speaker 12>Nobody wants to buy your bond that's paying five to

2323
01:59:49.880 --> 01:59:51.479
<v Speaker 12>May go put it in a savings account and get

2324
01:59:51.520 --> 01:59:54.520
<v Speaker 12>six and so you have volatility on the downside. Now,

2325
01:59:54.560 --> 01:59:57.319
<v Speaker 12>when you hold bonds to maturity, typically you're removing that

2326
01:59:57.479 --> 02:00:00.279
<v Speaker 12>market and interstrate risk when you do that. But there's

2327
02:00:00.840 --> 02:00:02.880
<v Speaker 12>you know, it's part of why we do what we

2328
02:00:03.039 --> 02:00:04.880
<v Speaker 12>do is we kind of get into the weeds of

2329
02:00:05.560 --> 02:00:07.920
<v Speaker 12>help us understand what it is you're trying to accomplish,

2330
02:00:07.920 --> 02:00:09.880
<v Speaker 12>and then we can look at all of these different instruments.

2331
02:00:10.000 --> 02:00:11.760
<v Speaker 12>We can take the specifics of those and say we

2332
02:00:11.880 --> 02:00:14.239
<v Speaker 12>take this is going to work well, and here's why

2333
02:00:14.359 --> 02:00:16.119
<v Speaker 12>because of the environment we're facing today.

2334
02:00:16.279 --> 02:00:18.439
<v Speaker 2>So Pat, thank you, thank you for being part of it.

2335
02:00:18.479 --> 02:00:21.520
<v Speaker 2>And again we all know how long we've been doing

2336
02:00:21.600 --> 02:00:25.319
<v Speaker 2>this and and and it's finally official that we can

2337
02:00:25.399 --> 02:00:28.399
<v Speaker 2>be public and we can we can talk to people.

2338
02:00:28.560 --> 02:00:32.439
<v Speaker 2>And I want to mention, in addition to individual counseling,

2339
02:00:32.880 --> 02:00:35.640
<v Speaker 2>one thing that Pat mentioned that's really important. If you

2340
02:00:35.720 --> 02:00:37.119
<v Speaker 2>have any kind of a four oh one K for

2341
02:00:37.199 --> 02:00:40.399
<v Speaker 2>your company or retirement plan, here's something that people do.

2342
02:00:40.520 --> 02:00:43.439
<v Speaker 2>They set it and forget it. They set these things

2343
02:00:43.600 --> 02:00:46.600
<v Speaker 2>up with administrators and never give a thought to the

2344
02:00:46.680 --> 02:00:48.560
<v Speaker 2>fees they're paying, because all they want to do is

2345
02:00:48.640 --> 02:00:52.520
<v Speaker 2>have it for their employees, and they automatically assume that

2346
02:00:52.760 --> 02:00:55.479
<v Speaker 2>all fees are the same, and they're not. If you

2347
02:00:55.560 --> 02:00:57.399
<v Speaker 2>have a four oh one K in a business right now,

2348
02:00:57.520 --> 02:00:59.199
<v Speaker 2>I'm not talking about a recipient of a four to

2349
02:00:59.199 --> 02:01:01.600
<v Speaker 2>one K, But if you're business owner and you set

2350
02:01:01.680 --> 02:01:03.079
<v Speaker 2>up a fourroh one K or any kind of a

2351
02:01:03.159 --> 02:01:07.359
<v Speaker 2>retirement plan, you can't assume that you're getting great rates

2352
02:01:07.720 --> 02:01:11.079
<v Speaker 2>from the administrator. So that's money coming out of your pocket.

2353
02:01:11.439 --> 02:01:14.039
<v Speaker 2>And we'll do a free review of that, because truly,

2354
02:01:15.520 --> 02:01:18.880
<v Speaker 2>it's something a lot of companies never think about, don't

2355
02:01:18.920 --> 02:01:20.520
<v Speaker 2>you think, Pat, They never think about.

2356
02:01:20.640 --> 02:01:23.800
<v Speaker 12>Oh, absolutely. And the bigger thing that they don't think

2357
02:01:23.840 --> 02:01:26.319
<v Speaker 12>about and probably don't realize, is that they, as an

2358
02:01:26.359 --> 02:01:30.880
<v Speaker 12>employer providing a retirement plan for their employees, they have

2359
02:01:30.960 --> 02:01:35.119
<v Speaker 12>a fiduciary responsibility to their employees and so you need

2360
02:01:35.239 --> 02:01:37.680
<v Speaker 12>to make sure that you're complying with what those fiduciary

2361
02:01:37.760 --> 02:01:39.960
<v Speaker 12>responsibilities are. And if you're not sure what they are,

2362
02:01:40.079 --> 02:01:41.720
<v Speaker 12>then let us know and we can help you understand.

2363
02:01:41.920 --> 02:01:44.720
<v Speaker 2>Free free reviews complementary and by the way, it's three

2364
02:01:44.800 --> 02:01:48.199
<v Speaker 2>O three seven seven to one help seven seven one

2365
02:01:48.600 --> 02:01:51.760
<v Speaker 2>four three five seven. Thank you, Pat. Appreciate. I got

2366
02:01:51.840 --> 02:01:54.119
<v Speaker 2>to go to this call now and that's again three

2367
02:01:54.199 --> 02:01:57.279
<v Speaker 2>O three seven seven one help and it's W eight

2368
02:01:57.520 --> 02:02:00.720
<v Speaker 2>WM dot com or Wave eight Wealth Management dot com. Charles,

2369
02:02:01.119 --> 02:02:04.560
<v Speaker 2>what is going on with this contractor? What's happening? Charles? Welcome?

2370
02:02:06.520 --> 02:02:07.079
<v Speaker 8>Hey Tom?

2371
02:02:07.119 --> 02:02:08.800
<v Speaker 7>How you doing good man?

2372
02:02:08.920 --> 02:02:09.560
<v Speaker 2>What's happening?

2373
02:02:10.680 --> 02:02:15.880
<v Speaker 16>Well, basically, a contractor pretty much was going around when

2374
02:02:15.920 --> 02:02:18.760
<v Speaker 16>everything when all the roofs were being done, and he

2375
02:02:18.880 --> 02:02:23.680
<v Speaker 16>left his card in the whole bit and we talked.

2376
02:02:23.760 --> 02:02:25.960
<v Speaker 16>He wanted to see what the insurance would pay, like

2377
02:02:26.399 --> 02:02:27.159
<v Speaker 16>everybody else.

2378
02:02:27.760 --> 02:02:30.800
<v Speaker 2>Well, no, actually that's the wrong kind of contractor to

2379
02:02:30.840 --> 02:02:33.840
<v Speaker 2>see what insurance will pay. A contractor should give you

2380
02:02:33.920 --> 02:02:37.039
<v Speaker 2>a complete and detailed estimate of what work's going to

2381
02:02:37.119 --> 02:02:39.920
<v Speaker 2>be done, put it in writing, and then you talk

2382
02:02:40.000 --> 02:02:42.920
<v Speaker 2>to your insurance about what we'll pay. But anyway, keep

2383
02:02:43.000 --> 02:02:46.439
<v Speaker 2>going because here's why a lot of times contractors will

2384
02:02:46.479 --> 02:02:49.640
<v Speaker 2>make their price match what you're gonna get paid.

2385
02:02:50.439 --> 02:02:52.960
<v Speaker 16>Okay, correct, And that's what I thought.

2386
02:02:53.279 --> 02:02:54.760
<v Speaker 2>And that can be by the way, that can be

2387
02:02:54.840 --> 02:02:58.039
<v Speaker 2>good or bad. Think about this, If the insurance is

2388
02:02:58.119 --> 02:03:01.039
<v Speaker 2>not paying that much, right and the and the contractor

2389
02:03:01.119 --> 02:03:03.800
<v Speaker 2>sees that before giving you a bid, he might give

2390
02:03:03.800 --> 02:03:06.880
<v Speaker 2>you a lower bid and leave out some important stuff

2391
02:03:06.880 --> 02:03:08.920
<v Speaker 2>that you should have because he wants to get the

2392
02:03:08.960 --> 02:03:12.000
<v Speaker 2>insurance job, or the other way around. If the insurance

2393
02:03:12.079 --> 02:03:15.479
<v Speaker 2>is paying a lot of money and and he was

2394
02:03:15.560 --> 02:03:18.000
<v Speaker 2>going to charge you less, he may increase the price

2395
02:03:18.439 --> 02:03:20.560
<v Speaker 2>just because. Okay, So what happened then?

2396
02:03:22.039 --> 02:03:22.359
<v Speaker 16>Okay?

2397
02:03:22.640 --> 02:03:24.239
<v Speaker 7>So basically did you hire him?

2398
02:03:25.680 --> 02:03:28.000
<v Speaker 16>I was basically waiting for him to give me an

2399
02:03:28.079 --> 02:03:30.880
<v Speaker 16>invoice and everything. He never gave me an invoice. I

2400
02:03:31.000 --> 02:03:34.680
<v Speaker 16>never signed anything. I'm at work. My wife calls me and.

2401
02:03:34.760 --> 02:03:38.199
<v Speaker 2>That you have never signed anything with this contractor did

2402
02:03:38.279 --> 02:03:39.079
<v Speaker 2>he do your roof?

2403
02:03:41.159 --> 02:03:44.319
<v Speaker 16>There was shingles that showed up on our driveway. I'm

2404
02:03:44.399 --> 02:03:44.840
<v Speaker 16>at work.

2405
02:03:45.439 --> 02:03:45.720
<v Speaker 8>Okay.

2406
02:03:45.880 --> 02:03:48.880
<v Speaker 16>Three days later, his guys come take off the old

2407
02:03:48.960 --> 02:03:50.119
<v Speaker 16>roop and put the new roof on.

2408
02:03:51.600 --> 02:03:54.920
<v Speaker 2>What wait wait, you never signed up with this guy ever?

2409
02:03:56.520 --> 02:03:56.960
<v Speaker 16>Correct?

2410
02:03:58.239 --> 02:04:01.079
<v Speaker 2>He came to your door and he wanted to talk

2411
02:04:01.119 --> 02:04:03.600
<v Speaker 2>to you about it, and you never signed Did he

2412
02:04:03.760 --> 02:04:06.640
<v Speaker 2>say this tricky thing like, hey, just sign this so

2413
02:04:06.760 --> 02:04:07.880
<v Speaker 2>we can look at your roof?

2414
02:04:09.199 --> 02:04:10.279
<v Speaker 16>I never signed anything.

2415
02:04:10.319 --> 02:04:14.119
<v Speaker 2>He's okay, gotcha, I believe you. But but so he

2416
02:04:14.319 --> 02:04:17.760
<v Speaker 2>was knocking at your door and and did he give

2417
02:04:17.800 --> 02:04:19.479
<v Speaker 2>you ahead?

2418
02:04:19.520 --> 02:04:21.720
<v Speaker 16>I didn't say he knocked at our door. He's a

2419
02:04:21.840 --> 02:04:23.920
<v Speaker 16>contactor that our neighbor uses a lot.

2420
02:04:24.840 --> 02:04:25.119
<v Speaker 2>Got it?

2421
02:04:25.439 --> 02:04:25.720
<v Speaker 7>Okay?

2422
02:04:26.159 --> 02:04:26.479
<v Speaker 2>Did he.

2423
02:04:28.199 --> 02:04:30.960
<v Speaker 16>Since everybody else was getting their roofs done and everything?

2424
02:04:31.039 --> 02:04:34.119
<v Speaker 16>He figured, Well, he asked me, did you sign up

2425
02:04:34.159 --> 02:04:36.399
<v Speaker 16>with any contractor yet? And I said no, I didn't

2426
02:04:36.399 --> 02:04:37.439
<v Speaker 16>sign up with anybody.

2427
02:04:38.439 --> 02:04:39.640
<v Speaker 7>Did he give you an estimate?

2428
02:04:40.920 --> 02:04:40.960
<v Speaker 2>No?

2429
02:04:42.479 --> 02:04:42.520
<v Speaker 15>What?

2430
02:04:43.640 --> 02:04:43.800
<v Speaker 3>Why?

2431
02:04:44.439 --> 02:04:47.119
<v Speaker 16>That's why I'm calling you because.

2432
02:04:47.079 --> 02:04:48.720
<v Speaker 2>Okay, so tell me what happened next?

2433
02:04:49.439 --> 02:04:49.479
<v Speaker 15>Is?

2434
02:04:49.520 --> 02:04:52.079
<v Speaker 2>What happened next is in a day he replaced the

2435
02:04:52.199 --> 02:04:54.319
<v Speaker 2>roof without you telling you.

2436
02:04:56.000 --> 02:04:59.520
<v Speaker 16>Basically a day and a half. Okay, he replaced He

2437
02:05:00.079 --> 02:05:02.000
<v Speaker 16>replaced the roof because I told him I had a

2438
02:05:02.079 --> 02:05:05.600
<v Speaker 16>timely when I hire a contractor, I have a timeline

2439
02:05:05.600 --> 02:05:07.880
<v Speaker 16>that I have to work with. He says, well, that's

2440
02:05:07.880 --> 02:05:11.039
<v Speaker 16>going to fit right in with doing your neighbor. So

2441
02:05:11.439 --> 02:05:12.920
<v Speaker 16>he was going to do in the neighbor's roof, and

2442
02:05:13.039 --> 02:05:16.520
<v Speaker 16>then he understood that he would probably wind up doing

2443
02:05:16.680 --> 02:05:18.960
<v Speaker 16>our roof if he gave me an estimate. He never

2444
02:05:19.039 --> 02:05:19.800
<v Speaker 16>gave me an estimate.

2445
02:05:19.840 --> 02:05:22.319
<v Speaker 2>I get it. So you never hired the damn guy

2446
02:05:22.439 --> 02:05:28.600
<v Speaker 2>technically correct? Okay, now, so he just talked to you.

2447
02:05:28.760 --> 02:05:31.359
<v Speaker 2>He replaced Rufe. But I have an obvious question. When

2448
02:05:31.359 --> 02:05:33.760
<v Speaker 2>you saw the work starting, why didn't you or your

2449
02:05:33.800 --> 02:05:35.640
<v Speaker 2>wife go out and say, wait a minute, wait a minute,

2450
02:05:35.680 --> 02:05:36.680
<v Speaker 2>we don't have a contract.

2451
02:05:39.640 --> 02:05:45.000
<v Speaker 16>He wasn't there, His ohs were there to speak that

2452
02:05:45.159 --> 02:05:46.039
<v Speaker 16>don't speak English?

2453
02:05:46.560 --> 02:05:48.359
<v Speaker 2>Is that what you were wondering? D Why they didn't

2454
02:05:48.359 --> 02:05:49.079
<v Speaker 2>go out and talk to him?

2455
02:05:49.159 --> 02:05:50.359
<v Speaker 7>Yeah? Did he try to stop them?

2456
02:05:50.399 --> 02:05:52.800
<v Speaker 2>Did? He just said they were of Spanish speaking Crewe?

2457
02:05:52.800 --> 02:05:55.000
<v Speaker 7>I assume correct.

2458
02:05:56.239 --> 02:05:58.239
<v Speaker 2>Okay, so then what happened? Keep going?

2459
02:05:59.479 --> 02:06:03.199
<v Speaker 16>Okay, so they replace the roof and everything. Now I

2460
02:06:03.279 --> 02:06:05.319
<v Speaker 16>asked him, I says, well, what's going on? I still

2461
02:06:05.359 --> 02:06:08.239
<v Speaker 16>don't have an invoice of what all this is gonna cost. Well,

2462
02:06:08.439 --> 02:06:10.239
<v Speaker 16>you know, I think we'll probably just go with what

2463
02:06:10.359 --> 02:06:12.119
<v Speaker 16>the insurance settles with you.

2464
02:06:12.520 --> 02:06:15.479
<v Speaker 2>Oh no, no, no, no, no no, Look at you

2465
02:06:15.600 --> 02:06:18.800
<v Speaker 2>never got a contract. That's against Colorado law that you

2466
02:06:18.960 --> 02:06:20.640
<v Speaker 2>have to have a state approof contract.

2467
02:06:22.039 --> 02:06:22.399
<v Speaker 16>Correct.

2468
02:06:23.119 --> 02:06:25.000
<v Speaker 2>What's the next? Can I can you tell me the

2469
02:06:25.079 --> 02:06:25.800
<v Speaker 2>name of the company?

2470
02:06:27.880 --> 02:06:30.039
<v Speaker 16>I could, but I'd rather do it off the error.

2471
02:06:30.319 --> 02:06:34.039
<v Speaker 2>Okay, that's fine, I want to I want hey, bo,

2472
02:06:34.520 --> 02:06:36.359
<v Speaker 2>I want you to get on this case.

2473
02:06:36.479 --> 02:06:40.159
<v Speaker 7>Man, do you know if he got a permit for that?

2474
02:06:40.479 --> 02:06:42.000
<v Speaker 8>Did he even pull a permit for your house.

2475
02:06:43.079 --> 02:06:46.800
<v Speaker 16>Oh bo, you're gonna love this. He showed up a

2476
02:06:46.920 --> 02:06:50.239
<v Speaker 16>week after I got back in town. He took me

2477
02:06:50.520 --> 02:06:54.479
<v Speaker 16>and my neighbor down to the city and had us

2478
02:06:54.720 --> 02:06:56.640
<v Speaker 16>pull the permits as homeowners?

2479
02:06:57.319 --> 02:07:01.119
<v Speaker 2>Are you giving a kind of tacit approval by going

2480
02:07:01.199 --> 02:07:02.039
<v Speaker 2>along with all of this?

2481
02:07:02.239 --> 02:07:02.600
<v Speaker 7>You think?

2482
02:07:03.119 --> 02:07:05.359
<v Speaker 2>I still don't think he can nail you for it,

2483
02:07:05.520 --> 02:07:08.720
<v Speaker 2>but it's kind of weird that you would go down

2484
02:07:08.760 --> 02:07:10.560
<v Speaker 2>and get a permit and say, look sir, that's up

2485
02:07:10.600 --> 02:07:11.600
<v Speaker 2>to that's your problem.

2486
02:07:11.680 --> 02:07:17.600
<v Speaker 16>Now, Well, the work was already done before he took

2487
02:07:17.680 --> 02:07:19.560
<v Speaker 16>us down there, and to get the permits. That's the thing.

2488
02:07:20.039 --> 02:07:21.840
<v Speaker 7>Does he have a license in your jurisdiction?

2489
02:07:24.119 --> 02:07:27.319
<v Speaker 16>He That's the other thing. He was using another contract.

2490
02:07:27.399 --> 02:07:30.079
<v Speaker 2>Okay, man, Charles, you tell us hold on, we got

2491
02:07:30.159 --> 02:07:31.960
<v Speaker 2>to take this break. Just hold on because I got

2492
02:07:32.079 --> 02:07:33.680
<v Speaker 2>to figure out what do you want us to do.

2493
02:07:34.199 --> 02:07:38.319
<v Speaker 2>I'm Tom Martine. Go with a sure thing Denver's Best

2494
02:07:38.439 --> 02:07:41.239
<v Speaker 2>roofer Excel roofing dot com. You don't pay a cent

2495
02:07:41.479 --> 02:07:48.239
<v Speaker 2>until you're content. Time for an insurance checkup free no obligation.

2496
02:07:48.319 --> 02:07:52.159
<v Speaker 2>In comparison, call Compass insurance paying too much your coverage

2497
02:07:52.159 --> 02:07:54.760
<v Speaker 2>at dozens of insurance companies find out now three o

2498
02:07:54.880 --> 02:07:56.000
<v Speaker 2>three seven to seven to one.

2499
02:07:56.159 --> 02:07:56.359
<v Speaker 7>Help.

2500
02:07:56.560 --> 02:07:59.199
<v Speaker 2>You'll think you're his only customer when you choose Frank

2501
02:07:59.239 --> 02:08:01.439
<v Speaker 2>durand the real estate eight man dot com to list

2502
02:08:01.520 --> 02:08:04.880
<v Speaker 2>your home with Remax Alliance three three nine two zero

2503
02:08:05.000 --> 02:08:14.560
<v Speaker 2>sixteen twenty two. Hey Tom Martino here three three seven

2504
02:08:14.640 --> 02:08:16.960
<v Speaker 2>one three talks seven one three eight two five High Charles,

2505
02:08:17.279 --> 02:08:19.119
<v Speaker 2>we were talking about a legal principle we want to

2506
02:08:19.159 --> 02:08:21.239
<v Speaker 2>talk to you about, but first I want to ask

2507
02:08:21.359 --> 02:08:24.000
<v Speaker 2>you what do you want? This is what Charles called

2508
02:08:24.000 --> 02:08:26.720
<v Speaker 2>in about. He said, a guy came over, a contractor

2509
02:08:26.880 --> 02:08:28.520
<v Speaker 2>was doing some roofs in the neighborhood, came over to

2510
02:08:28.520 --> 02:08:30.840
<v Speaker 2>talk to him about his roof. They discussed it a bit,

2511
02:08:30.920 --> 02:08:34.199
<v Speaker 2>but Charles never signed anything. All of a sudden, materials

2512
02:08:34.199 --> 02:08:36.279
<v Speaker 2>show up at his door or at his house, and

2513
02:08:36.399 --> 02:08:38.279
<v Speaker 2>then the guy replaces the roof in a day and

2514
02:08:38.319 --> 02:08:41.680
<v Speaker 2>a half for two days. And now he finds out

2515
02:08:41.720 --> 02:08:43.920
<v Speaker 2>the contractor doesn't have a license. He finds out the

2516
02:08:44.000 --> 02:08:48.560
<v Speaker 2>contractor wanted him to pull a permit, so he went

2517
02:08:48.640 --> 02:08:51.079
<v Speaker 2>after the fact and pulled the permit. It was after

2518
02:08:51.159 --> 02:08:53.000
<v Speaker 2>the fact that you pulled the permit, right, Charles?

2519
02:08:54.239 --> 02:08:54.600
<v Speaker 16>Correct?

2520
02:08:54.960 --> 02:08:57.680
<v Speaker 2>Okay, as a homeowner. Now here's what I want to know.

2521
02:08:58.960 --> 02:09:00.720
<v Speaker 2>I mean, not want to know, I want to Yeah,

2522
02:09:00.760 --> 02:09:03.000
<v Speaker 2>I do want to know. First, and then then Dan McKenzie,

2523
02:09:03.000 --> 02:09:05.479
<v Speaker 2>attorney at law, here who's who's of course, the state planning,

2524
02:09:05.520 --> 02:09:08.640
<v Speaker 2>he had some legal observations. But I want to ask

2525
02:09:08.880 --> 02:09:10.239
<v Speaker 2>you what do you want?

2526
02:09:12.439 --> 02:09:14.880
<v Speaker 16>Basically, I want to make sure he can't put a

2527
02:09:14.960 --> 02:09:18.279
<v Speaker 16>lean on my house and try to make me pay

2528
02:09:18.479 --> 02:09:20.840
<v Speaker 16>whatever else the insurance is going to pay.

2529
02:09:21.319 --> 02:09:24.000
<v Speaker 7>Okay, Now let me ask you something. Do you want

2530
02:09:24.000 --> 02:09:24.720
<v Speaker 7>to pay him anything?

2531
02:09:26.319 --> 02:09:27.359
<v Speaker 16>I already paid him part?

2532
02:09:27.960 --> 02:09:30.239
<v Speaker 2>Well wait a minute, what did you pay him? What

2533
02:09:30.359 --> 02:09:31.039
<v Speaker 2>did you pay him?

2534
02:09:31.960 --> 02:09:32.239
<v Speaker 7>Okay?

2535
02:09:32.279 --> 02:09:34.880
<v Speaker 16>I figured it first. You know from listening to your

2536
02:09:34.920 --> 02:09:37.960
<v Speaker 16>show and everything. When materials show up on the driveway,

2537
02:09:38.000 --> 02:09:41.960
<v Speaker 16>then you're pretty much stuck with the contractor. I never

2538
02:09:42.159 --> 02:09:43.079
<v Speaker 16>ordered the materials.

2539
02:09:43.279 --> 02:09:44.439
<v Speaker 2>Okay, I get it ordered.

2540
02:09:44.800 --> 02:09:46.039
<v Speaker 7>But how much did you pay him?

2541
02:09:46.079 --> 02:09:46.399
<v Speaker 2>So far?

2542
02:09:47.600 --> 02:09:48.640
<v Speaker 16>About eleven thousand?

2543
02:09:49.199 --> 02:09:51.760
<v Speaker 2>What do you think that roof is going to come

2544
02:09:51.800 --> 02:09:53.359
<v Speaker 2>out to from your insurance?

2545
02:09:55.399 --> 02:09:56.880
<v Speaker 16>I already know what the roof came out.

2546
02:09:57.640 --> 02:09:58.199
<v Speaker 8>Well, what is it?

2547
02:09:58.359 --> 02:10:04.000
<v Speaker 2>What is it? That's roughly fifteen okay, so basically just

2548
02:10:04.079 --> 02:10:04.760
<v Speaker 2>four more.

2549
02:10:06.479 --> 02:10:10.720
<v Speaker 16>Basically four more, but including that is personal property and

2550
02:10:10.800 --> 02:10:12.880
<v Speaker 16>everything that was damaged in the haill.

2551
02:10:13.279 --> 02:10:15.800
<v Speaker 2>Okay, I'm gonna I want to explain a few things

2552
02:10:15.840 --> 02:10:18.119
<v Speaker 2>to you. First of all, what the insurance pays you

2553
02:10:18.600 --> 02:10:21.520
<v Speaker 2>and what he charges you should have no correlation at all.

2554
02:10:21.680 --> 02:10:22.600
<v Speaker 7>Okay, correct?

2555
02:10:23.039 --> 02:10:23.600
<v Speaker 2>What? Okay?

2556
02:10:23.800 --> 02:10:26.920
<v Speaker 7>Yeah, but we do want to talk about a few things.

2557
02:10:27.520 --> 02:10:31.079
<v Speaker 2>The fact that you didn't sign anything in this particular

2558
02:10:31.199 --> 02:10:33.880
<v Speaker 2>case doesn't mean much. And I'm going to tell you why.

2559
02:10:35.039 --> 02:10:40.960
<v Speaker 2>Dan mackenzie told us about a principle in the law

2560
02:10:41.640 --> 02:10:49.199
<v Speaker 2>called latches. Okay, now what is what does that mean? Latches? Dan?

2561
02:10:49.279 --> 02:10:52.680
<v Speaker 2>Explain him? Dan explain? You're an attorney, explained latches to us.

2562
02:10:52.840 --> 02:10:56.279
<v Speaker 6>Yeah, i's if you're watching somebody do work and thinking

2563
02:10:56.319 --> 02:10:58.600
<v Speaker 6>that you might benefit from it, to knowing that you

2564
02:10:59.279 --> 02:11:02.520
<v Speaker 6>haven't the contract agree to it, but you're pretty happy

2565
02:11:02.560 --> 02:11:05.239
<v Speaker 6>to see this work happening. You can't then later say

2566
02:11:05.640 --> 02:11:07.680
<v Speaker 6>I didn't and I didn't you know, Yeah, I never

2567
02:11:07.720 --> 02:11:09.319
<v Speaker 6>agreed to pay for it, so I'm not paying for it.

2568
02:11:09.479 --> 02:11:11.640
<v Speaker 2>Now. Would quantum marrow it come into it as well?

2569
02:11:11.720 --> 02:11:15.520
<v Speaker 2>Which is which is quantum marrow? It means you got

2570
02:11:15.760 --> 02:11:19.920
<v Speaker 2>a quality, you got a value. Okay, now here's the thing, Charles,

2571
02:11:20.119 --> 02:11:25.600
<v Speaker 2>listen carefully what that means is this. Let's say that

2572
02:11:25.840 --> 02:11:28.760
<v Speaker 2>a roofer was supposed to do your neighbor's house and

2573
02:11:28.920 --> 02:11:31.960
<v Speaker 2>got the address mixed up and came to your house

2574
02:11:32.640 --> 02:11:35.800
<v Speaker 2>and you thought to yourself, hmm, they're doing my roof

2575
02:11:36.079 --> 02:11:39.079
<v Speaker 2>and you just watched them. That would be latches. So

2576
02:11:39.359 --> 02:11:43.199
<v Speaker 2>it's almost latches in this case where the guy talked

2577
02:11:43.239 --> 02:11:46.640
<v Speaker 2>to you, the guy you know delivered materials, the guy

2578
02:11:46.760 --> 02:11:50.800
<v Speaker 2>did the roof, and you didn't stop them, and and

2579
02:11:51.199 --> 02:11:52.199
<v Speaker 2>and what do you let it go?

2580
02:11:53.760 --> 02:11:56.039
<v Speaker 16>But the thing is I wasn't there to stop them.

2581
02:11:56.119 --> 02:11:56.880
<v Speaker 16>I was at work.

2582
02:11:57.000 --> 02:12:01.680
<v Speaker 2>I show you your wife. Your wife was there, Okay.

2583
02:12:01.960 --> 02:12:04.199
<v Speaker 2>You said it took two days? Were you at were

2584
02:12:04.239 --> 02:12:06.239
<v Speaker 2>you at work for two Were you absent from your

2585
02:12:06.279 --> 02:12:07.119
<v Speaker 2>house in two days?

2586
02:12:08.119 --> 02:12:09.560
<v Speaker 16>I'm an over to road truck driver.

2587
02:12:10.119 --> 02:12:16.119
<v Speaker 2>Okay? Okay? Were you absent the entire time your roof

2588
02:12:16.279 --> 02:12:17.079
<v Speaker 2>was being replaced?

2589
02:12:17.159 --> 02:12:19.960
<v Speaker 7>I'm just asking that, not the whole time?

2590
02:12:20.079 --> 02:12:22.760
<v Speaker 16>No, I was there the last day, okay.

2591
02:12:23.319 --> 02:12:29.079
<v Speaker 2>And when he talked to you about materials, you said,

2592
02:12:29.119 --> 02:12:32.239
<v Speaker 2>when the materials were delivered, you thought you were stuck,

2593
02:12:32.279 --> 02:12:33.479
<v Speaker 2>and you paid them eleven grand?

2594
02:12:35.560 --> 02:12:35.960
<v Speaker 8>Correct?

2595
02:12:36.159 --> 02:12:39.000
<v Speaker 2>The thing is he never well, he's okay, you paid

2596
02:12:39.079 --> 02:12:42.079
<v Speaker 2>him before they started the roof, when the materials were delivered.

2597
02:12:42.680 --> 02:12:45.399
<v Speaker 16>No, no, I paid them after everything.

2598
02:12:47.079 --> 02:12:49.520
<v Speaker 2>Oh okay, so when it was all done, you paid

2599
02:12:49.560 --> 02:12:50.159
<v Speaker 2>eleven grand.

2600
02:12:51.359 --> 02:12:54.319
<v Speaker 16>No a week after that? Yeah, basically, yeah.

2601
02:12:54.399 --> 02:13:00.399
<v Speaker 2>That's okay. So we're really you're doing the right thing

2602
02:13:00.479 --> 02:13:03.079
<v Speaker 2>in paying him. The question is how much do you

2603
02:13:03.199 --> 02:13:06.800
<v Speaker 2>pay him? And as I told you, what the insurance

2604
02:13:07.439 --> 02:13:11.359
<v Speaker 2>here's his problem, Dan, help me on this. His problem

2605
02:13:11.520 --> 02:13:14.319
<v Speaker 2>is the roofers problem is he doesn't get paid just

2606
02:13:14.479 --> 02:13:16.960
<v Speaker 2>anything he wants either. At the same time, there has

2607
02:13:17.000 --> 02:13:18.760
<v Speaker 2>to be a fair price. I mean, in other words,

2608
02:13:18.840 --> 02:13:20.640
<v Speaker 2>what if the roofer says you owe me fifty grand?

2609
02:13:21.279 --> 02:13:22.680
<v Speaker 2>I mean, what if the roofer says you owe me

2610
02:13:22.680 --> 02:13:24.880
<v Speaker 2>one hundred and fifty grand? I mean, you just can't

2611
02:13:24.960 --> 02:13:27.279
<v Speaker 2>do work and get so there has to be this

2612
02:13:30.039 --> 02:13:33.600
<v Speaker 2>fair value. And it can't just be what the insurance

2613
02:13:33.600 --> 02:13:37.039
<v Speaker 2>settlement is, because that doesn't always dictate what the roof is.

2614
02:13:38.359 --> 02:13:43.399
<v Speaker 2>Does your insurance settlement break out the roof and break out.

2615
02:13:43.319 --> 02:13:48.000
<v Speaker 7>The personal property? Yes it does, Okay, then.

2616
02:13:48.000 --> 02:13:52.479
<v Speaker 2>Tell me how much of the actual insurance settlement is

2617
02:13:52.680 --> 02:13:53.960
<v Speaker 2>dedicated to the roof.

2618
02:13:56.359 --> 02:13:58.039
<v Speaker 16>I wish I had the thing in front of me,

2619
02:13:58.600 --> 02:14:02.039
<v Speaker 16>just roughly, just roughly about twelve.

2620
02:14:02.880 --> 02:14:07.079
<v Speaker 2>Okay, so you're willing to pay him the section of

2621
02:14:07.199 --> 02:14:11.279
<v Speaker 2>the insurance settlement dedicated to the roof. Correct.

2622
02:14:11.399 --> 02:14:13.880
<v Speaker 16>But my thing is, I don't know how much the

2623
02:14:14.039 --> 02:14:18.680
<v Speaker 16>materials actually cost because the difference is there's been contractors

2624
02:14:18.720 --> 02:14:23.720
<v Speaker 16>that go and buy substantial material so they could save

2625
02:14:23.840 --> 02:14:24.720
<v Speaker 16>money and keep that.

2626
02:14:24.840 --> 02:14:29.039
<v Speaker 2>Wait wait, wait, wait, you're saying substandard not substantial, substandard material.

2627
02:14:29.119 --> 02:14:34.079
<v Speaker 16>I mean, I mean, like we wanted high end shingles

2628
02:14:34.319 --> 02:14:37.119
<v Speaker 16>and they'll go and buy a lower one, same color,

2629
02:14:37.279 --> 02:14:38.319
<v Speaker 16>trying to pass off.

2630
02:14:39.199 --> 02:14:42.640
<v Speaker 2>Okay, it's way it's way too late for you to

2631
02:14:43.399 --> 02:14:46.479
<v Speaker 2>make that argument. Now listen, you can do anything. You

2632
02:14:46.920 --> 02:14:48.680
<v Speaker 2>can do anything you want. But I'm going to tell you,

2633
02:14:48.800 --> 02:14:50.159
<v Speaker 2>and this is not legal advice. I'm just going to

2634
02:14:50.199 --> 02:14:53.000
<v Speaker 2>tell you the practical stuff here. You will get a

2635
02:14:53.119 --> 02:14:54.840
<v Speaker 2>lean on your house if you don't pay a fair

2636
02:14:54.920 --> 02:14:57.319
<v Speaker 2>price for that roof. And the fair price could be

2637
02:14:57.560 --> 02:15:00.760
<v Speaker 2>argued that it's what the insurance company speck doubt, and

2638
02:15:00.920 --> 02:15:04.279
<v Speaker 2>I promise you the insurance company did not speck out

2639
02:15:04.600 --> 02:15:07.199
<v Speaker 2>the best roof on the market, nor did they speck

2640
02:15:07.279 --> 02:15:10.199
<v Speaker 2>out the worst roof on the market. So they specked

2641
02:15:10.199 --> 02:15:13.880
<v Speaker 2>out whatever roof you had, and that's probably what you got. Now,

2642
02:15:14.000 --> 02:15:18.079
<v Speaker 2>if you're suspecting he bought cheaper roof than what was

2643
02:15:18.119 --> 02:15:21.199
<v Speaker 2>on there before. If that's what you're suspecting, you're going

2644
02:15:21.279 --> 02:15:23.000
<v Speaker 2>to have to prove it. You're going to have to

2645
02:15:23.039 --> 02:15:26.800
<v Speaker 2>get an expert out there to literally price the material

2646
02:15:26.880 --> 02:15:29.239
<v Speaker 2>compared to the previous material. But then you have to

2647
02:15:29.319 --> 02:15:33.239
<v Speaker 2>take into consideration today's prices for that material. I would

2648
02:15:33.319 --> 02:15:36.680
<v Speaker 2>say it's too much brain damage over one thousand dollars.

2649
02:15:37.119 --> 02:15:40.600
<v Speaker 2>If the roofing settlement is twelve grand and you already

2650
02:15:40.640 --> 02:15:42.880
<v Speaker 2>paid them eleven, I would pay him the one thousand

2651
02:15:42.920 --> 02:15:45.840
<v Speaker 2>dollars left and saying, look, bro, here's the insurance. Look

2652
02:15:45.920 --> 02:15:47.760
<v Speaker 2>at it. This is what you're getting paid.

2653
02:15:48.920 --> 02:15:50.880
<v Speaker 16>Right. I understand that. But the roof that was on

2654
02:15:51.000 --> 02:15:53.399
<v Speaker 16>there was supposed to be the same one that was

2655
02:15:53.439 --> 02:15:55.800
<v Speaker 16>supposed to go back on. So I have no problem

2656
02:15:55.880 --> 02:15:56.119
<v Speaker 16>with that.

2657
02:15:56.520 --> 02:16:00.000
<v Speaker 2>It's not exactly the same. It's supposed to be light quality.

2658
02:16:01.039 --> 02:16:03.479
<v Speaker 16>Correct, But I mean the brand that was on there

2659
02:16:03.680 --> 02:16:06.640
<v Speaker 16>and the brand that was supposed to be going back on,

2660
02:16:06.920 --> 02:16:09.439
<v Speaker 16>what's the exact same. I have no problem with that.

2661
02:16:09.840 --> 02:16:13.520
<v Speaker 16>My problem is I don't have an itemized receipt or you.

2662
02:16:13.560 --> 02:16:16.039
<v Speaker 2>Don't have to. You don't have to. He doesn't. He

2663
02:16:16.159 --> 02:16:18.720
<v Speaker 2>doesn't owe you enough. He doesn't owe you an itemized receipt.

2664
02:16:18.760 --> 02:16:19.600
<v Speaker 2>You didn't demand one.

2665
02:16:21.600 --> 02:16:24.439
<v Speaker 16>I never signed anything. And usually when you sign something

2666
02:16:24.520 --> 02:16:25.800
<v Speaker 16>with a contractor, it's gonna.

2667
02:16:25.560 --> 02:16:29.159
<v Speaker 2>Say that goes both ways, that weakness, That weakness goes

2668
02:16:29.199 --> 02:16:31.720
<v Speaker 2>both ways. You didn't sign anything, and you let them go,

2669
02:16:32.079 --> 02:16:35.239
<v Speaker 2>and you paid them, you gave approval. And I'm gonna

2670
02:16:35.239 --> 02:16:37.600
<v Speaker 2>tell you you're gonna lose this when Charles, you're gonna

2671
02:16:37.600 --> 02:16:40.440
<v Speaker 2>get a lean on your house. It's what are you

2672
02:16:40.559 --> 02:16:43.440
<v Speaker 2>trying to save? One thousand dollars? Two thousand? What are

2673
02:16:43.479 --> 02:16:46.319
<v Speaker 2>you trying to save here? What is your best case scenario?

2674
02:16:46.559 --> 02:16:49.639
<v Speaker 2>What do you think you'll accomplish by putting up these roadblocks?

2675
02:16:49.799 --> 02:16:51.479
<v Speaker 2>Just tell me what do you think you'll accomplish?

2676
02:16:53.799 --> 02:16:57.159
<v Speaker 16>What the insurance says? Well, to take the thing back.

2677
02:16:57.280 --> 02:17:02.680
<v Speaker 16>They're saying because the insurance don't pay everything out, Yes

2678
02:17:02.719 --> 02:17:05.879
<v Speaker 16>they do. Oh, there's not everything at once.

2679
02:17:06.000 --> 02:17:07.559
<v Speaker 2>We gotta take a break. We'll be right back