Speaker 1: Ripped you needed by, so you don't.
Speaker 2: Have the.
Speaker 3: Welcome running just as nas as the.
Speaker 1: Can Shooter's gonna help.
Speaker 4: Come.
Speaker 1: Man, this is.
Speaker 5: The Troubleshooter Show, now, Tom Martino.
Speaker 2: Okay, I'm Tom Martino. Welcome to the show. Three oh
Speaker 2: three seven one three talk three oh three seven one
Speaker 2: three eight.
Speaker 6: Two five five.
Speaker 2: Welcome morons one and all. And I don't mean you,
Speaker 2: I only call the morons my uh YouTube people. Of course,
Speaker 2: my regular people are smarter than that. And welcome to
Speaker 2: the show. Seriously, we love having you here. We're going
Speaker 2: to solve problems, answer questions, take complaints. UH. If you
Speaker 2: ever get a chance, you should try to talk three all.
Speaker 2: You should try to capture the uh the live show
Speaker 2: on on YouTube afterwards, and you can see a lot
Speaker 2: of times pictures and guests and video of stuff we
Speaker 2: talk about. But welcome to the show on our wonderful
Speaker 2: iHeart family and affiliates, and thank you.
Speaker 7: So what I want to.
Speaker 2: Say is we had a very good discussion yesterday about
Speaker 2: buying decisions and how people are affected by politics buying decisions.
Speaker 7: It wasn't who to vote for and who to avoid.
Speaker 2: It wasn't trying to sway you one way or another,
Speaker 2: but asking does it make a difference. And the vast
Speaker 2: majority after the show as well, the vast majority of
Speaker 2: people said politics absolutely takes they take a position for buying.
Speaker 2: If they know a company is staunch one way or another,
Speaker 2: it will affect them. If they're progressive, they will avoid
Speaker 2: conservative businesses. If they're conservative, they will avoid progressive businesses.
Speaker 2: I was shocked by that. I said, what about the
Speaker 2: product and service, and they said, no, we care about
Speaker 2: the products and service, but we can't do business with
Speaker 2: people who are too far away from our own ideology.
Speaker 2: I once heard an interview from a CIA spy, a
Speaker 2: CIA spy, and he said, when motivating people, when motivating
Speaker 2: people to sway them to their side, when they were
Speaker 2: looking for assets in the CIA, crets money, all of
Speaker 2: those things, all of those things may mean something, but
Speaker 2: the number one recruitment tool was ideology. If you appeal
Speaker 2: to someone's ideology, it didn't matter about money, rewards or anything.
Speaker 2: The number one motivator, according to this spy you can see.
Speaker 7: Them on YouTube.
Speaker 2: By the way, the number one motivator is appealing to
Speaker 2: someone's ideology. The number two, the number two is ego,
Speaker 2: appealing to their ego then rewards monetary rewards, and after
Speaker 2: that coercion, you will do this or your family suffers.
Speaker 7: Blah blah blah.
Speaker 2: But number one is ideology and in buying. Guess what
Speaker 2: in marketing, that's where this came from. Or marketing came
Speaker 2: from this or this came from marketing because I was
Speaker 2: looking up marketing. And for those in business, I get
Speaker 2: a lot of business people listening to my show.
Speaker 7: Guess what.
Speaker 2: The number one motivator for buying is ideology. Now that
Speaker 2: doesn't mean that they try to appeal to your politics
Speaker 2: or religion when it comes to selling you.
Speaker 7: Something, but they do.
Speaker 2: In a way. Ideology stems religion and politics. Ideology could
Speaker 2: be I want to be thin and beautiful, and that
Speaker 2: goes along with ego. So the ideology and the ego
Speaker 2: go together to appeal to people. If I use this product,
Speaker 2: this is how I'm going to look, this is how
Speaker 2: I'm going to be. But ideologically, I'm going to have
Speaker 2: a happy family, I'm going to have a wonderful vacation.
Speaker 2: I'm going to enjoy the game better. I'm going to
Speaker 2: drive and get there better in luxury. See that's that's
Speaker 2: actually an ideology combined with ego reward. What's reward? Well, yeah, reward,
Speaker 2: I say it all the time waterpros dot net. I
Speaker 2: love Waterpros. Here's what I'm going to tell you about that.
Speaker 2: I say, this hour brought to you by water Pros.
Speaker 2: They do whole house water softening and they're combining the
Speaker 2: triple filter reverse osmosis all for thirty one ninety five.
Speaker 2: This would normally from them cost a by five or
Speaker 2: six grand, which is still a screaming deal. But from
Speaker 2: a plumber you pay twelve thousand or more. So what's
Speaker 2: that appealing to reward? You're getting rewarded, you're getting the
Speaker 2: best deal ever, You're getting a great system. Then I say,
Speaker 2: the triple filter reverse osmosis drinking water is good for
Speaker 2: your health. It's good for you, it hydrates better, you
Speaker 2: get rid of all the crap in your water. And
Speaker 2: by the way, that is true, by the way, waterpros
Speaker 2: dot net three oz three eight six two five five
Speaker 2: five four. But ideology, ego, rewarding, coercion. Now would you
Speaker 2: use coercion in marketing? Well, guess what?
Speaker 7: In a way?
Speaker 2: In a way in politics? I mean we hear Kamala
Speaker 2: har Harris say, what does she say that Trump is
Speaker 2: a threat to democracy, a threat to the country. They
Speaker 2: are cohersing you, coersing you. Now Trump says the same thing,
Speaker 2: she's a communist, will bring down our economy. So all
Speaker 2: of these things in life are in marketing, inspiring in politics.
Speaker 2: And one thing I try to do on this show
Speaker 2: seriously is entertain and educate at the same time. But
Speaker 2: it is fascinating to me that buying decisions will come
Speaker 2: down to politics sometimes.
Speaker 7: I also read something else.
Speaker 2: Sixty one percent of the population, more than ever before,
Speaker 2: say they are anxious and a little depressed about the
Speaker 2: upcoming election.
Speaker 7: Well, of course they are, because it's.
Speaker 2: Almost split half and half no matter. So whoever you
Speaker 2: talk to, they're going to be anxious about the other
Speaker 2: one winning. I've never seen this before, has this? This
Speaker 2: has been a little like this, but probably not as much.
Speaker 2: Now I want to ask my guests, and then I'm
Speaker 2: going to the phones. I promise you. I have a
Speaker 2: guest today, and Dan mackenzie is an estate planning attorney. Dan,
Speaker 2: I want to ask you about ideology when it comes
Speaker 2: to a state planning. I'll bet you you find I'll
Speaker 2: bet you you do find bits of ideology.
Speaker 7: Ego definitely reward.
Speaker 2: If you do it this way, you're gonna save on taxes,
Speaker 2: your family will have more money. I mean, can you
Speaker 2: weigh in on these factors when it comes to a
Speaker 2: state planning?
Speaker 6: Yeah, obviously taxes are a big part of our DISCUSSI
Speaker 6: so that's.
Speaker 2: The reward part. There's nourion, coercion, except with family. Maybe Dad,
Speaker 2: you better get this done.
Speaker 7: You never know, right, Yeah, that is true.
Speaker 6: You know obviously people are making gifts to charities or
Speaker 6: causes and you know that.
Speaker 2: But ideology, how about a trust. I don't want my
Speaker 2: kid to get it unless he makes money. I want
Speaker 2: to match. Yeah, we'll hear that, I'll match his salary,
Speaker 2: or I'll do this, or I'll do that. So ideology,
Speaker 2: what about ego? Does ego come into a state planning?
Speaker 8: For sure?
Speaker 7: For sure?
Speaker 6: It's really discussion. Is you know, how do you want
Speaker 6: to be remembered?
Speaker 2: Right?
Speaker 6: I mean that's okay, Yes, so.
Speaker 2: We've got I want the statue erected, not that that
Speaker 2: you probably had that.
Speaker 6: We just had that this week. Actually somebody suggests that possibility.
Speaker 6: So that was WOA the.
Speaker 2: First all right, Now the other thing and Okay, so
Speaker 2: there is a bit of ego or how about this
Speaker 2: kind of ego. I don't want that bastard to have anything,
Speaker 2: oh for sure.
Speaker 6: Oh yeah. And you know, you have situations where it's
Speaker 6: like the kids. We've had people kind of want to
Speaker 6: disinherit kids because of political decisions, right that the kids.
Speaker 7: Aren't wow with them. Right, So it's like, what.
Speaker 2: So I am just fascinated by these revelations. Let me
Speaker 2: go to Diana. Diana, let's talk about your jeep Grand Cherokee.
Speaker 2: See you want to call this show eclectic?
Speaker 7: Huh, this is the definition of it.
Speaker 2: We go from from philosophy to the grand the jeep
Speaker 2: Grand Cherokee. Hey, Diana, what's going on?
Speaker 9: Hey tom My, name's Diana Fliers. So I least a
Speaker 9: jeep Grand Cherokee Overland hybrid. Back in October that vehicles
Speaker 9: had three major issues. The last two made me feel
Speaker 9: like it was a threat to my life in safety.
Speaker 10: Why why Yeah, one was driving up I seventy on
Speaker 10: Veil passed, the vehicle lurched, safety alarms went off, the
Speaker 10: gas cage meter.
Speaker 9: Went crazy, and I was afraid to drive it. And
Speaker 9: it turns out it was some kind of electrical problem.
Speaker 2: Is there a recall on this, not that.
Speaker 10: I know of.
Speaker 9: I was told by the dealership. I guess these Jeep
Speaker 9: hybrids just don't do well at altitude.
Speaker 2: Well, well, damn, what year is it?
Speaker 9: It is a twenty twenty three Jeep Grand Cherokee Overland,
Speaker 9: A seventy five thousand dollars car.
Speaker 7: Oh man, did you did you leave? You leased what?
Speaker 2: I assume you a leased it from New Right?
Speaker 7: Yes?
Speaker 9: Correct?
Speaker 2: Did you just Yeah? It's seventy five thousand dollars.
Speaker 9: Seventy five thousand dollars And that's not even the worst
Speaker 9: that happened to me. I was driving in the middle
Speaker 9: of nowhere in Colorado with no cell phone service on
Speaker 9: July fourth weekend, and the vehicle started having trouble. It
Speaker 9: said that the transmission was overheating, but the temperature gages
Speaker 9: were fine, And then the car started smoking and making
Speaker 9: like air raid bomb over London sounds, and I had
Speaker 9: to abandon it, and like there was no way to
Speaker 9: call the cops, no way to call a tow truck.
Speaker 9: I had to hitch a ride from the middle of
Speaker 9: nowhere into Gunnison to go find a tow truck company.
Speaker 9: I called Stilantis, which is Chrysler. It took like five
Speaker 9: days to get towed. They were so unhelpful and so incompetent,
Speaker 9: and then dealing with them like they've been approving my
Speaker 9: rental car bills and said pay for yourself. We'll reimburse
Speaker 9: you up to seventy dollars a day. And here I
Speaker 9: am three and a half months later, I still don't
Speaker 9: have my jeeps back.
Speaker 7: Wait a minute, Wait a minute, Wait a minute.
Speaker 2: They've had it for three and a half months, three.
Speaker 9: And a half months, and I'm beyond like financially.
Speaker 2: Diana, Diana, what can they have they found the problem
Speaker 2: or are they saying all of these overlands have a
Speaker 2: problem or this particular overland or what.
Speaker 9: They basically said, it needed a whole new engine replacement,
Speaker 9: and it needs a whole new radiator. They were waiting
Speaker 9: for months.
Speaker 7: How many miles do you have on this.
Speaker 10: Like fourteen and change and you need a whole new engine,
Speaker 10: a whole.
Speaker 9: New engine, a whole new radiator. And the dealership finally
Speaker 9: got the engine, but now they don't have a radiator.
Speaker 9: And I'm like, you guys had it for months and
Speaker 9: you couldn't also order the radiator.
Speaker 2: What are you What are you renting for seventy bucks
Speaker 2: a day?
Speaker 9: You can't really rent anything for seventy bucks a day.
Speaker 9: I've been in some pos pias. I would never rent
Speaker 9: from whatever company I can't remember what it was. And
Speaker 9: I'm in anerprise company or enterprise car. They gave me
Speaker 9: a Jeep, but like it's been hell, I have a
Speaker 9: German Shepherd.
Speaker 2: Like Diana, where did you buy? Where did you lease
Speaker 2: this from? What dealer?
Speaker 9: At the time it was Groove Auto and Silverthorne, Colorado.
Speaker 9: I think they've since rebranded like Auto Star or Auto
Speaker 9: Nation or something.
Speaker 2: Oh Man. So it's not really their fault, though, is it.
Speaker 2: It really isn't I.
Speaker 9: Mean not the dealership's fault. I blame Stilantis, Chrysler and Jeep.
Speaker 9: Like I was sold a Lemon, I was problem.
Speaker 2: I won't they replace it for you? You know you're
Speaker 2: beyond You're beyond the Lemon law right now, that's the problem.
Speaker 7: You waited too long.
Speaker 2: Hold on a second, No, we do have Wait a minute.
Speaker 2: We have an attorney who takes cases like this. Kachina.
Speaker 2: You know what I'm talking about. That wonderful woman that
Speaker 2: helped us that attorney that helped us with that cancer victim,
Speaker 2: Reina Raina. Let's talk to Raina. I'd love to talk
Speaker 2: to her about this hold on. We got more coming up.
Speaker 2: I'm troubleshooter Tom Martino three O three seven one three
Speaker 2: talk seven one three eight two five five eight eight eight.
Speaker 2: Heating dot com forty five dollars deep clean, Get it
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Speaker 2: obligation comparison call Compass Insurance paying too much your coverage
Speaker 2: at dozens of insurance companies find out now three oh
Speaker 2: three seven seven to one help. You'll think you're his
Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: Man dot com to list your home with Emax Alliance
Speaker 2: three oh three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martino here, So we're gonna get the jeep Grand
Speaker 2: Cherokee back when we get our attorney on. Later, we're
Speaker 2: gonna get Raina on So Diana, we're gonna get some
Speaker 2: real answers for you.
Speaker 7: Wayne.
Speaker 2: Hi, I'm Tom Martino. Oh my god, this company, jeez,
Speaker 2: I okay, talk about from hero to zero. Talk about
Speaker 2: a bad company that used to be a great company.
Speaker 2: That's the that's the disheartening part of it. They used
Speaker 2: to be a great company. Champion to loser, Champion to loser.
Speaker 2: Tell me about your problem. Maybe maybe I jumped a gun.
Speaker 2: Maybe maybe they're not even a fault. But when I
Speaker 2: see the name Champion, I say, never got complaints. Three
Speaker 2: years ago, all hell broke loose. And then when they
Speaker 2: were purchased by this private equity firm, forget it, they
Speaker 2: just suck. Go ahead, tell me what's going on.
Speaker 11: Back on September first, my wife pointed out that under
Speaker 11: our sliding glass dooor that we had a Champion installback
Speaker 11: on four to fourteen eleven.
Speaker 2: The wait, wait, wait, twenty eleven trucked. Okay, that's gonna
Speaker 2: be hard to go back. Okay, So you had a
Speaker 2: patio door installed in April of twenty eleven, and what
Speaker 2: did you notice.
Speaker 11: Just recently, right before we left the country for vacation,
Speaker 11: the boards right underneath the sliding glass stoor are starting
Speaker 11: to buckle and warp and along the edge inside the house.
Speaker 11: Now we see some water damage on the molt cane
Speaker 11: that could get round the frame.
Speaker 2: Let me just let Wayne, let's just unload right now.
Speaker 2: Let me let me give you some And again I
Speaker 2: think I do a service when I tell people what
Speaker 2: I think right up front.
Speaker 7: You, after all this time, you will get no help.
Speaker 7: What's so?
Speaker 2: And and you probably don't deserve help. And here I'm
Speaker 2: gonna tell you the arguments you're gonna make. The one
Speaker 2: argument you're gonna make is if it wasn't right to
Speaker 2: begin with, I should have help because it wasn't right
Speaker 2: to begin with. And there is a statute that goes
Speaker 2: from the time of discovery. But then there's also an
Speaker 2: absolute statute which goes I never heard of one going
Speaker 2: beyond ten years. I don't know Dan, if you know
Speaker 2: about that, but you know, I mean, I can you know.
Speaker 2: There's usually stuff like if you wanted to see on
Speaker 2: breach or something, you know it's from discovery right of
Speaker 2: the breach or discovery of the deal or the defect
Speaker 2: when you.
Speaker 7: Reasonally should have known right, yeah, exactly.
Speaker 2: But I think if you go ten I mean, my
Speaker 2: gut is telling me, no, nobody would. He could not
Speaker 2: go after them if you I'm not saying he wants to.
Speaker 2: But if he did, I mean, it's more than ten years.
Speaker 2: It's it's thirteen or fourteen. It's going it's gonna be
Speaker 2: fourteen years.
Speaker 7: So what would you say the thing.
Speaker 11: Come out four years ago because I had the molding
Speaker 11: on the outside was also showing water damage.
Speaker 2: Now I understand that that's bad. That's actually bad for
Speaker 2: your case because if they came out, you knew you
Speaker 2: had a problem, which means you could have called anyone.
Speaker 7: I'm not Wayne, I'm.
Speaker 2: Trying to shoot holes here to help you. So you
Speaker 2: come up with something strong. Here's what I'm saying, Champion,
Speaker 2: as much as I rated on them just now saying
Speaker 2: blah blah blah, I mean, if they put a door
Speaker 2: in a twenty eleven, I will tell you this. There
Speaker 2: is maintenance required on doors, Their ceiling required, calking required.
Speaker 2: People think, well, I'm going to have my windows done,
Speaker 2: and then they call me ten years later, fifteen years later,
Speaker 2: and they say, oh.
Speaker 7: These jerks didn't do it right.
Speaker 2: I got moisture all over and they didn't do anything
Speaker 2: to update the calk or update the ceiling. Well, all
Speaker 2: I'm saying is this, I don't think you can blame
Speaker 2: them for anything at this point, especially if you knew
Speaker 2: you had a problem four years ago.
Speaker 7: I just don't think fixed it.
Speaker 11: That's wonderful they came out, because and they came out,
Speaker 11: they repaired it, and I've had my house painted since then. Yeah,
Speaker 11: so maintenance has been done to the house.
Speaker 7: Well, painters should have sealed it as well.
Speaker 2: So here's what I want to know before I went
Speaker 2: on my diatribe. What were you hoping? What were you
Speaker 2: hoping to get? Do you think they owe you something?
Speaker 8: Well? Two things.
Speaker 11: One, I have still the original contract with lifetime warranty.
Speaker 2: That's against the function of the door. That's the function
Speaker 2: of the door.
Speaker 11: But they also installed it, meaning they.
Speaker 8: Took out there.
Speaker 2: There's not a lifetime warranty on install there's not a
Speaker 2: lifetime warranty on installation.
Speaker 7: It's on the product.
Speaker 11: I guess my next step is, is there somebody in
Speaker 11: the color of Springs area you would recommend.
Speaker 8: To pull out the door, reinstall it properly.
Speaker 2: In fly That's what needs to be that's what needs
Speaker 2: to be done. In fact, it would be quicker, better
Speaker 2: and easier to just do that and get it over with. Now,
Speaker 2: if you want to take a last ditch effort after
Speaker 2: you have that done, let's say it costs fifteen hundred bucks.
Speaker 2: I don't know what it'll cost. I have no idea,
Speaker 2: but you could take them to small claims court and
Speaker 2: say it was never done right to begin with. I
Speaker 2: think no one would listen to you, but I think
Speaker 2: you could at least try, and you'd feel like, you know,
Speaker 2: at least I tried. Now, as far as Colorado, as
Speaker 2: far as Colorado Springs, I gotta figure this out. I
Speaker 2: know we have good people down there. I got to
Speaker 2: look at my referral list for the Springs area, which
Speaker 2: you could easily do. Let's see referral list. That's what
Speaker 2: you need. Though, you absolutely need someone in the Springs
Speaker 2: to reinstall it, you know, I don't know. I don't
Speaker 2: think K and H goes down there. That would be
Speaker 2: a company. Another one would be Genesis. I don't think
Speaker 2: they go to the Springs. Genesis tootal Exteriors dot com.
Speaker 2: He does everything. I just have to see it's it's
Speaker 2: really any kind of good window company, And I'm trying
Speaker 2: to think because I know we have good people down there.
Speaker 2: Let me see I'm looking right now.
Speaker 11: Okay, I can do some research on that. I just
Speaker 11: and I did look on your referral list. I didn't
Speaker 11: see anybody for this area.
Speaker 7: Okay.
Speaker 11: My question was whether or not I had a leg
Speaker 11: to stand.
Speaker 7: I know you, I know people get pit listen.
Speaker 2: You know what's funny is I have a service I
Speaker 2: provide where I can show you I've recovered hundreds of millions.
Speaker 7: Of dollars for people over the years.
Speaker 2: But people get pissed off at me and they go
Speaker 2: on Yelp where they go on reviews and put bad
Speaker 2: reviews down if I don't help them because they don't
Speaker 2: like hearing. They do not like hearing the truth. They
Speaker 2: don't They get pissed off when I tell them the truth,
Speaker 2: even if it ends up being the truth. They just
Speaker 2: are pissed off that I gave him that bad news
Speaker 2: and they say he didn't help me at all. By
Speaker 2: the way, I did you know the construction down in
Speaker 2: the springs.
Speaker 7: They're pretty good people.
Speaker 2: Just that that's one I'm looking as I'm talking to you.
Speaker 2: But in any case, I don't I understand why you're upset.
Speaker 2: I kind of do, but I but.
Speaker 11: I'm not truly not. I'm not really upset. I just
Speaker 11: if I had an option to do that. I just
Speaker 11: want to get your opinion on it. And and that's.
Speaker 2: Hey, how about this? Did you try? Did you try
Speaker 2: calling him back? By the way, for the hell of it?
Speaker 11: Did you try for since since uh something, since four
Speaker 11: years ago, he has been like once no, this September. Yeah,
Speaker 11: I've called him multiple times since September and emails back and.
Speaker 7: Forth, nothing right right, crickets and so.
Speaker 11: And then today she finally said we're not going to
Speaker 11: do anything. I said, okay, that's what I want to know.
Speaker 11: Now I can go forward.
Speaker 7: But would they do something?
Speaker 2: And you probably don't want to pay them because they're clowns,
Speaker 2: But would they do something if you pay them? Is
Speaker 2: what I'm asking?
Speaker 11: No visiting, And off of that, she said, we're not
Speaker 11: going to honor the warn and and you know they
Speaker 11: did it. Seemed like they did a good job.
Speaker 2: Well, they don't have to honor the warranty because there
Speaker 2: there must not be anything wrong with the Believe me,
Speaker 2: a lifetime warranty is on the product itself. There's not
Speaker 2: much that goes wrong, but I will tell you it
Speaker 2: was good.
Speaker 11: I actually liked the product.
Speaker 2: Yeah, it was the installation correct.
Speaker 7: Yeah, and if you first noticed.
Speaker 2: The problem four years ago, even that installation wasn't as
Speaker 2: terrible as some. But thank you for calling it. I'm sorry,
Speaker 2: Like I said, I'm really sorry. I can give you
Speaker 2: the answer you wanted. Three oh but but as far
Speaker 2: as referrals go, we have some good people down there.
Speaker 2: I would ask K and H if they go down there,
Speaker 2: or Genesis as well.
Speaker 7: They're great people.
Speaker 2: Three zero three seven one three talk seven oh three
Speaker 2: eight two five five. By the way, Genesis Total Exteriors
Speaker 2: dot com, I really do believe he might go down
Speaker 2: there and he does windows and doors and siding and
Speaker 2: all of the outside stuff on your house. So if
Speaker 2: you ever have storm damage and take care of all
Speaker 2: of that. So look up Genesis, tootalexteriorce dot com. We
Speaker 2: have more coming right up. Go with a sure thing
Speaker 2: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 2: a cent until you're content. Time for an insurance check
Speaker 2: up free, no obligation. In comparison, call Compass insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out Now three oh three seven seven to one.
Speaker 7: Help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martine, your troubleshooter three oh
Speaker 2: three seven one three talk three oh three seven one
Speaker 2: three eight two five five Denver Regen. By the way,
Speaker 2: I'm not going to put Dan on the spot here
Speaker 2: mackenzie and ask him if he notices any more hair
Speaker 2: growth on the top of my head, but most people do.
Speaker 2: I've had some some honest to goodness some stem cell
Speaker 2: therapy up there, and it really is. There is really,
Speaker 2: honest to god new growth coming in. I feel it.
Speaker 2: It's itchy and it's working and it's remarkable. But Denver
Speaker 2: Regen also does, of course, joints Denver Regen dot com
Speaker 2: for stem cell therapy great value.
Speaker 7: Paul, what's going on?
Speaker 8: Well, Uh, I am suing a contractor small claims court. Okay,
Speaker 8: we've gone you know all through it.
Speaker 2: Now tell me the issue. I'm just curious about the issue, Paul.
Speaker 8: Uh, we had a backup generator installed in our off
Speaker 8: the group cabin. Oh cool okay, did not follow any codes,
Speaker 8: could not get it to run.
Speaker 7: What was he an electrician?
Speaker 8: He claimed you as an electrician electrician that installed it
Speaker 8: along with the solar system that he installed. But long
Speaker 8: story short, we up.
Speaker 2: Oh wait so he had he had the solar system too,
Speaker 2: huh okay, keep.
Speaker 8: Going correct, and it's the backup system we're having problems with. Well,
Speaker 8: we couldn't get him back out to fix it, so
Speaker 8: we finally contacted an authorized dealer.
Speaker 2: What kind of generator it is? A cooler okay, a
Speaker 2: really good one okay.
Speaker 8: And the dealer came out and factor authorized dealer and said,
Speaker 8: oh wow, we everything's wrong. You have you electricity is wrong?
Speaker 2: What was wrong with it to begin with? That you
Speaker 2: called for help?
Speaker 8: It would never run and we found out they didn't
Speaker 8: switch it from.
Speaker 2: Uh it never ran at all, or it didn't work properly.
Speaker 8: It just wouldn't work properly because it wasn't switched over
Speaker 8: to from natural gas to pro pain. But also it.
Speaker 2: Wired wrong okay, so so boxes So the guy never
Speaker 2: came out.
Speaker 7: To fix it.
Speaker 2: And who is it?
Speaker 7: Installed by Sun Solar off the grid Sun Solar.
Speaker 8: Okay, My question is this. Yeah, we've already gone through it.
Speaker 8: We've made the contacts. We've given them their thirty days
Speaker 8: to come out and fix it.
Speaker 2: Well what okay, okay, hold on, so you didn't have
Speaker 2: it fixed yet? Is that right?
Speaker 8: It has been fixed. We gave them there thirty days
Speaker 8: to fix it. They didn't.
Speaker 2: We went When you say they're thirty days, it's like
Speaker 2: you you read that somewhere.
Speaker 7: What do you mean they're thirty days?
Speaker 8: We contact them, told them it wasn't.
Speaker 2: Working, But what about thirty days? Where did the thirty
Speaker 2: days come in? That's what you just thought would be reasonable, right.
Speaker 8: Yeah, we thought that would be reasonable to say.
Speaker 2: Okay, that's a good assumption. Oh, that's a good assumption.
Speaker 8: So what else answer and fix it?
Speaker 12: You know?
Speaker 8: On advice to my attorney, we're going to small claims court.
Speaker 2: Uh huh.
Speaker 8: And we're having trouble giving them served. The Sheriff's department
Speaker 8: has been out three times and now I have a
Speaker 8: private investigator looking for them. And what happens if we
Speaker 8: can't get them served?
Speaker 7: Okay? Well, yes, and no, the real question, Dan, do
Speaker 7: you know?
Speaker 2: Let me bring up Dan. Dan McKenzie's an attorney at law,
Speaker 2: state planning attorney. But in general, though, if you can't
Speaker 2: serve someone, hold on, let me turn that on.
Speaker 7: Go ahead, go ahead.
Speaker 6: So eventually you can tell the court about your efforts
Speaker 6: and what you did, and if you can convince the
Speaker 6: court that you've really done everything you need to do,
Speaker 6: you could get authorization to serve by publication, which means
Speaker 6: publishing a notice.
Speaker 7: Does that ever really happen?
Speaker 2: It does?
Speaker 6: Yeah, if you're really gone, you know, if this person's
Speaker 6: really avoiding service, and you know, yeah, if they're really.
Speaker 2: But I've never heard of anyone who's impossible to serve.
Speaker 2: So tell me what you mean by that, because you
Speaker 2: don't have to serve him personally. You can serve someone
Speaker 2: like an administrative assistant, a secretary, wife, kid at the door,
Speaker 2: or an adult at the door, I think.
Speaker 7: But yeah, well.
Speaker 8: That's those are the efforts that are being made. You
Speaker 8: have a process server, process server. Uh, he's having problems
Speaker 8: and weird, we're in contact doing that.
Speaker 2: You know some people. Let me tell you what people
Speaker 2: have done in the past. I've had process service in
Speaker 2: the past for the show that would use an Amazon
Speaker 2: box and they would go up to the door and
Speaker 2: they didn't put an Amazon uniform on, They did not
Speaker 2: lie about anything. They just had an Amazon box ranging
Speaker 2: the door, and when he came they pulled it out
Speaker 2: of the box. Another one was they would make an
Speaker 2: appointment for an estimate and then when he showed up,
Speaker 2: they would serve him. So there are ways to do
Speaker 2: it if the guy's in business.
Speaker 8: Right. But Okay, you've pretty much answered my question, which
Speaker 8: is if we've made a lot of reasonable attempts, I
Speaker 8: go back to the judge and say we've made these
Speaker 8: reasonable attempts.
Speaker 2: So I don't think you're going to get publication nowadays.
Speaker 2: I mean I personally don't because I think it's a
Speaker 2: I don't has anyone tried to make an appointment for
Speaker 2: an estimate for first all or system.
Speaker 8: I really don't want to answer that, because if that
Speaker 8: does happen and he's listening, then he'll a more suspicious.
Speaker 2: Okay, cool, all right, I hope you can get a
Speaker 2: hold of the guy, you know.
Speaker 8: I mean, yeah, okay.
Speaker 2: I just I don't blame you. I I like I said,
Speaker 2: I I don't blame you for this is where this
Speaker 2: pisses me off to But you're how much did it cost?
Speaker 2: By the way to fix it.
Speaker 8: Eighty eight and fifty three dollars did.
Speaker 2: You have so wait wait a minute, how much was
Speaker 2: wait wait wait wait wait wait wait?
Speaker 8: How much was the generator, the generator itself or the
Speaker 8: cost to fix it?
Speaker 7: The generator itself?
Speaker 2: Like if you if you had it installed by them
Speaker 2: to begin with, what would the generator cost itself?
Speaker 7: What's the generator part of it?
Speaker 8: I'd be about forty five hundred.
Speaker 7: You didn't buy a new generator, right.
Speaker 8: Yeah, we did buy a new generator.
Speaker 7: Well, you're not going to get a new gener I'm
Speaker 7: just going to tell you that you got.
Speaker 8: We're not looking for a new generator, we're looking to
Speaker 8: get the installation fixed.
Speaker 7: Yeah, I understand, But what happened to the old generator?
Speaker 8: It was gasoline?
Speaker 7: Where is it?
Speaker 8: Well it was forty years old.
Speaker 2: Oh I'm not.
Speaker 7: Talking about that.
Speaker 2: Hold on, is that the one? No? No, no, What
Speaker 2: I meant was, Paul, I'm just trying to give you
Speaker 2: some guidance.
Speaker 8: Here.
Speaker 2: The guy that installed the generator for you, that did
Speaker 2: it wrong, This Cohler one. This is the new generator
Speaker 2: you're talking about, right, correct?
Speaker 7: Okay, that's what I mean.
Speaker 2: You didn't buy another one beyond you didn't buy another
Speaker 2: one beyond that, right.
Speaker 8: No, we just had the installation.
Speaker 2: Okay, I gotcha, I gotcha. Okay, okay, Now another thing.
Speaker 2: And a judge probably won't bring this up, but a
Speaker 2: defendant would, and that is eighty eight hundred. He could
Speaker 2: argue was not reasonable because it's you know, I mean.
Speaker 2: But but then you can make the argument with your expert.
Speaker 2: But seventy five hundred, I believe is the limit anyway
Speaker 2: in small claims court. It is.
Speaker 8: And that's what we're doing. Okay, excited to be you know.
Speaker 2: Let me know, let me know how it goes, because
Speaker 2: I think you're on the right track. You seem to
Speaker 2: be reasonable, on the right track. And uh yeah, and
Speaker 2: then see if you can get served another way. Sometimes mail,
Speaker 2: registered mail or certified mail. They'll let you do.
Speaker 7: I'm Tom Martinez. We have more coming up.
Speaker 2: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free, no obligation. In comparison,
Speaker 2: call Compass insurance paying too much your coverage at dozens
Speaker 2: of insurance companies. Find out now three oh three seven
Speaker 2: seven to one. Help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate man dot
Speaker 2: com to list your home with Remax Alliance three all
Speaker 2: three nine two zero sixteen twenty two. Hi Tom Martino
Speaker 2: here three all three seven one three talk three all
Speaker 2: three seven one three eight two five five Glenn?
Speaker 7: Your turn? What's going on?
Speaker 2: Glenn? What can I do to help you? Sir?
Speaker 13: Yes, yes, Glenn, thanks for taking my call. I heard
Speaker 13: you take. Tell me about a doctor that you went
Speaker 13: to for your back pain.
Speaker 2: Yes, and by the way, I wasn't advocating that people
Speaker 2: necessarily go to him.
Speaker 7: I loved him and all that.
Speaker 2: Of course, but it was the procedure that was FDA approved.
Speaker 2: I was one of the first surgeries ever after FDA approval,
Speaker 2: and it was remarkable. So it's the procedure more than anything.
Speaker 2: I'm not saying the doctor wasn't wonderful, But there are
Speaker 2: other doctors who do the procedure.
Speaker 13: Well, I'm trying to find one. I've a I've got
Speaker 13: a primary physician who's got me running all over town
Speaker 13: and every time I go there, they want to start
Speaker 13: all over again.
Speaker 2: Well, okay, Here's what every surgeon will do. Who's worth
Speaker 2: his weight or his salt or her salt, And that
Speaker 2: is they do want to start over now, not necessarily
Speaker 2: with imaging. If you have adequate imaging, they'll use your imaging,
Speaker 2: but they definitely want to examine you. And all that
Speaker 2: is that. What what do you mean by starting over, Glenn?
Speaker 13: Well, I've had nerve ablation three times, yes, and an excruciating.
Speaker 7: Nerve ablation, by the way, helps temporarily.
Speaker 2: It's a terrible thing because it causes scar tissue, which
Speaker 2: actually causes more trouble with nerves later on.
Speaker 13: Yes, I know, I've decided not to ever do that again,
Speaker 13: and don't.
Speaker 2: Do a fusion. Eighty five percent of them are failures
Speaker 2: and the other fifteen percent people are still in pain.
Speaker 13: Right right, Well, I've had an implant in my back
Speaker 13: now for over a year.
Speaker 7: What's the implant do?
Speaker 2: Is that a nerve implan to deaden the nerve or
Speaker 2: stimulate the nerve.
Speaker 13: I've got a little console that I can change.
Speaker 2: It distracts the nerve. How many hold on, sir, Glenn?
Speaker 2: I feel for you, man, I can hear the pain
Speaker 2: in your voice. Hang on, I'll come back. To you,
Speaker 2: okay three all three seven one three talks seven one
Speaker 2: three eight two five five Okay, I do have some
Speaker 2: texts coming in for Dan McKenzie. McKenzie Law does a
Speaker 2: state planning and we will talk about that. And you'll
Speaker 2: never guess the one question I get every single time
Speaker 2: he's on the answer is yes, under certain circumstances. Can
Speaker 2: you have a written, handwritten will? Yes, but don't do it.
Speaker 2: We'll talk about that and more coming up. Go with
Speaker 2: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're contenth time for
Speaker 2: an insurance check up free, no obligation in comparison, call
Speaker 2: Compass Insurance pain too much your coverage at dozens of
Speaker 2: insurance companies find out now three oh three seven to
Speaker 2: seven to one help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate Man dot
Speaker 2: com to list your home with Remax Alliance three oh
Speaker 2: three nine two zero sixteen twenty.
Speaker 14: Two ripped off news neat ad.
Speaker 1: That's who you don't have. Come running just as fast
Speaker 1: as we can. Shooter's gonna help. Come man, this is.
Speaker 5: The trouble Shooter Show. No Tom Martino, Hi.
Speaker 2: Tom Martino, You're Troubleshooter three oh three seven on three
Speaker 2: Talk seven one three eight two five five. All right,
Speaker 2: now listen before we go any further, we have but
Speaker 2: Dan McKenzie with us Mackenzie Law. He does wills and probate.
Speaker 2: Oh sky, I got to get off of that shot there.
Speaker 2: That's that's what you hear is an opening on YouTube
Speaker 2: and anyway, so anyway, so welcome, And what we're talking
Speaker 2: about are wills and trust and probate and voiding probate
Speaker 2: and blah blah blah blah blah. And here's what I
Speaker 2: want to know. But somebody wants to know the real
Speaker 2: realistic here's what they want to know. Bottom line. I
Speaker 2: should just read it, but I don't have in front
Speaker 2: of me. They have a pro they have an estate.
Speaker 2: It's got some money they want to distribute to three brothers.
Speaker 2: But they know they know that their aunt had credit
Speaker 2: card bills. So what are the chances they want to
Speaker 2: just ignore it? What are the chances the credit card
Speaker 2: company would come after them?
Speaker 6: I mean, I guess it depends on the amount, but
Speaker 6: we frequently get credit card bills in probate processes.
Speaker 7: And they do want to be paid, they do, and.
Speaker 6: I mean to close that probate out, you're going to
Speaker 6: have to file a Swarren statement saying that you have
Speaker 6: resolved a credit or claim.
Speaker 2: So oh really, so if you committed fraud that would
Speaker 2: come back on you if there was a complaint, right.
Speaker 6: Yeah, I mean, I don't know if the credit card
Speaker 6: company is actually asserted a claim or how long it's
Speaker 6: been since the person.
Speaker 2: No, they just know about the bills because she was
Speaker 2: living high off the hog. Okay, so here's what I
Speaker 2: want to know. How would they find out she died?
Speaker 6: Well, so you're familiar with the publication notice that we
Speaker 6: just talked.
Speaker 7: About in the terms of us, Well, are you required
Speaker 7: to do that?
Speaker 6: If it's been less than a year since a person
Speaker 6: passed away, you were required to publish notice. And credit
Speaker 6: card companies have people out there looking for those, so.
Speaker 2: They do, really, they really.
Speaker 6: Do, do other creditors.
Speaker 7: Depends on how professional they are.
Speaker 6: I mean, it's it's funny because usually those are for
Speaker 6: people who are like probably loans from family members or friends.
Speaker 7: They're never going to.
Speaker 6: See it, right, But yeah, we I mean we often
Speaker 6: get credit card bills and provac.
Speaker 2: This is a question comes up time and time again.
Speaker 2: How do you settle bills? And what if you don't
Speaker 2: hear from them? Blah blah blah, what are you obligated
Speaker 2: to do? You have to make a good faith effort
Speaker 2: to contact him or not or just publish.
Speaker 6: Now, this is a strategic decision because you can notify.
Speaker 6: You can reach out and notify them, and the benefit
Speaker 6: of doing that.
Speaker 7: Is that it will give you certainty.
Speaker 6: Right, you will know, like I notified them and they
Speaker 6: either submitted their bill or they didn't.
Speaker 7: But here's the timeline. How much time do you have
Speaker 7: to give them? Sixty days that's it.
Speaker 2: Yeah, from time of death or time of notification notification.
Speaker 6: Yeah, and they have a year after death, Like you
Speaker 6: could sit there and wait and not do the notification
Speaker 6: and just sit there and wait for the year. And
Speaker 6: then after the year has passed, if they haven't done anything, then.
Speaker 2: Wait, you don't have to do any notification or any advertising.
Speaker 2: You're in published. You have to publish, publish. I am
Speaker 2: shocked that they still have a publishing a publishing requirement
Speaker 2: in today's day and age, because the publishing requirement is
Speaker 2: to where Facebook where.
Speaker 6: No, there are minimum requirements for newspapers that circulate in
Speaker 6: the county where the person is living. So it's got
Speaker 6: to publish once a week. It's got to circulate to
Speaker 6: at least. That's ridiculous.
Speaker 2: I mean, whoever reads the damn things? I don't even
Speaker 2: Where do you publish or where do you do it?
Speaker 7: For your clothes?
Speaker 2: We do it.
Speaker 6: There's there's a lot of local newspapers around.
Speaker 7: There's Arora Sentinel, like the.
Speaker 2: Glendale Chronicle or something like that. Okay, okay, so there
Speaker 2: would be little ones like that, yep, okay.
Speaker 7: Then source of revenue. Frankly, now it is a good okay.
Speaker 2: So what I want to know is why hasn't someone
Speaker 2: entrepreneurial done a universal website that the governments will all use.
Speaker 6: I mean, that day is coming and I'm kind of
Speaker 6: dreading it because, Frankly, I like you, I like to
Speaker 6: publish in a place that they're not going to see it.
Speaker 7: Okay, No, I know what you mean. Yeah, all right, now,
Speaker 7: let's keep going here.
Speaker 2: Glenn. We left off with Glenn. He has had thermal
Speaker 2: ablasion surgery. That's where you burn the nerves to keep
Speaker 2: the pain from transmitting down the legs or through the body,
Speaker 2: and that causes scar tissue and nerves grow back, and
Speaker 2: it's it's a very complicated thing. And he has a
Speaker 2: stimulator now to distract the nerves, and he's wondering about
Speaker 2: my procedure, and I had a procedure where it wasn't fusion.
Speaker 2: It is a implant, a titanium implant with a some
Speaker 2: kind of plastic disc, and it takes the place of
Speaker 2: the uh, the compressed area or the whatever, the bad level,
Speaker 2: and it literally bolts above and below much like a
Speaker 2: fusion would, except it moves like your back does. And
Speaker 2: it really is a piece of artificial spine, that's what
Speaker 2: I call it. They literally took out my bad facets,
Speaker 2: took them out, put them on the table. I have
Speaker 2: a picture of them, and then then put this in
Speaker 2: its place. So arthritis can never go back. I can
Speaker 2: never be impinged in that area. Again. The thing is
Speaker 2: you have to be healthy and have good bone structure
Speaker 2: to do it.
Speaker 7: And it's approved now.
Speaker 2: It's approved in the US for one level, and there's
Speaker 2: only certain levels they can do from the mid back down.
Speaker 2: They can't do every part of the back, and they
Speaker 2: can't do the neck yet, so most men have problems
Speaker 2: L four five six or L three four or five.
Speaker 7: I don't know where yours is. Do you have more
Speaker 7: than one level?
Speaker 13: I'm not sure I know what you mean by that.
Speaker 2: Okay, Well, usually the pain comes from a level that
Speaker 2: they can tell through an MRI, and they'll tell you
Speaker 2: you have L four L five compression causing this pain.
Speaker 2: You may have other compression, but there's usually one really
Speaker 2: bad area. Now, if you're really bad, you might have
Speaker 2: three areas. If you have three areas, you cannot yet
Speaker 2: get this procedure called tops TOPS from Premium Spine. You
Speaker 2: can't get it for three levels. Now, it'll work on
Speaker 2: three levels, but they're not yet approved for it. They're
Speaker 2: not even approved for two levels yet. I was fortunate
Speaker 2: enough that I had one bad level causing most of
Speaker 2: the all of the pain, and I was able to
Speaker 2: replace the vertebra in that level L four five, therefore
Speaker 2: zero pain. Now, so Glenn, you have to know a
Speaker 2: little bit about your physiology. That's why they want to
Speaker 2: start over. They want to look at your imaging, they
Speaker 2: want to see what levels you are, and then they
Speaker 2: want to and a lot of them will say this, Okay,
Speaker 2: here's what you're going to run into. They might look
Speaker 2: at your back and say, you know, Glenn, I think
Speaker 2: a decompression surgery would work. I don't think you need
Speaker 2: this because good urgins are obligated to do the minimal
Speaker 2: procedures first. That's probably why you've had thermal oblations and
Speaker 2: why they want a so called as you put a
Speaker 2: start over.
Speaker 7: Have you actually go ahead?
Speaker 13: I've been hoping that you could give me the name
Speaker 13: of the doctors.
Speaker 2: I can. I can, but I'm telling you it's not
Speaker 2: the doc. It's the procedure, meaning that doctor too will
Speaker 2: look at what you call starting over. They they're not
Speaker 2: just going to put this procedure on you, okay. They
Speaker 2: have to evaluate you, and they don't care what previous
Speaker 2: doctors have done.
Speaker 7: It doesn't matter to them.
Speaker 2: In fact, it would be foolhardy for them to say, Okay,
Speaker 2: you've already tried all, let's come on in, let's just
Speaker 2: put it in you. You don't know how many levels
Speaker 2: are involved they need to tell They need all of this.
Speaker 2: They'll get your previous records and go buy it. What
Speaker 2: I want to know is do you have any clue?
Speaker 2: Has anyone ever told you where your compression is how many?
Speaker 13: No, I can't get any information from anybody in.
Speaker 2: That's well, what do you mean you can't get that information?
Speaker 2: You go on your portal and look at your results
Speaker 2: and it tells you, I mean, have you had an MRI?
Speaker 2: When was your last MRI?
Speaker 13: Oh, about a month or two ago?
Speaker 2: Okay, Well they uploaded it to a portal whatever group
Speaker 2: you worked with, You log in, you download it, and
Speaker 2: you look at it. It'll say L four L five
Speaker 2: all five. It'll tell you, I mean, are you proactive
Speaker 2: about stuff like.
Speaker 7: This or not?
Speaker 13: Yes? I am. I'm be anymore so I'm about three
Speaker 13: steps from a wheelchair.
Speaker 2: Listen, Glenn, listen, what portal has your results for your MRI?
Speaker 13: A doctor Whittier out of Saint Joseph.
Speaker 2: What group is it? Is it Saint Anthony's or Saint Joseph's.
Speaker 13: I think it's Saint Joseph.
Speaker 7: I don't know who that is. But there is a portal.
Speaker 2: You call them and say I want to view my results, okay,
Speaker 2: and the radiology report will be very clear and you're
Speaker 2: gonna need it anyway to print out for doctors. You
Speaker 2: go to and okay, and I'm glad you had it
Speaker 2: a month ago. That's gonna be good. And I'm sorry
Speaker 2: that you're in so much pain. That's terrible. I can
Speaker 2: hear it in your voice. So, Glenn, the doctor Neurosurgery
Speaker 2: one is the name of the group. The doctor is
Speaker 2: doctor Joshua Beckman B E C.
Speaker 7: K M A N.
Speaker 13: That's the one I'm looking for.
Speaker 7: Yes, that's he. That's the one who did my thing.
Speaker 13: And what what hospital is he operating out of?
Speaker 7: Saint Anthony's Okay? Spirit?
Speaker 2: I think they call it now Common Spirit or something
Speaker 2: like that.
Speaker 13: Yeah, well, I'm just about I'm healthy. I'm healthy, yes,
Speaker 13: except for this problem with my back and it's been
Speaker 13: going on to like seven years. And I get sent
Speaker 13: over to how old are baby?
Speaker 7: You're eighty?
Speaker 2: Okay, you really have to have I'm not saying you're
Speaker 2: too old, by the way. You have to have really
Speaker 2: good bone structure for this. I do, okay, okay, And
Speaker 2: so why don't you try making an appointment there Neurosurgery one,
Speaker 2: doctor Joshua Beckman. Tell him you're interested in pursuing a
Speaker 2: relief possibly TOPS. Have you read about TOPS?
Speaker 15: Oh?
Speaker 2: So you know nothing about it? Okay, you just heard
Speaker 2: about me having it? Okay, did you see my video
Speaker 2: on YouTube?
Speaker 5: No?
Speaker 13: I didn't.
Speaker 2: Do you know how to get on YouTube and look
Speaker 2: at videos?
Speaker 8: Yes?
Speaker 2: Okay, Well, if you provide Kachina with an email, I'll
Speaker 2: give you a direct link you can click on and
Speaker 2: see it. Okay, Okay, it'll help give you some information.
Speaker 13: That's good. I was just so impressed with what you
Speaker 13: said when you had your procedure done and how it
Speaker 13: improved it almost overnight.
Speaker 2: Well not overnight, it improved it in the two and
Speaker 2: a half hours I was in surgery. When I got
Speaker 2: out of surgery, I would have I had so little
Speaker 2: pain that I didn't even notice the surgical pain. The
Speaker 2: surgical pain was minor compared to what I went in with.
Speaker 2: When they said, well you do have surgical pain, right,
Speaker 2: and I said, well, of course I do.
Speaker 7: It's a little sore.
Speaker 2: I was up walking around that night, walking past the
Speaker 2: rooms and people who were on had fusion done that
Speaker 2: couldn't move. And then I walked out of the hospital
Speaker 2: the next day, and then I walked around the neighborhood
Speaker 2: that afternoon and then I started look at it. I
Speaker 2: probably overdid it. I started working out in four weeks.
Speaker 2: I mean, my doctor said, wait, but I mean I
Speaker 2: was not feeling a bit of pain. I just look
Speaker 2: what I'm saying is this. Do what your doctor says,
Speaker 2: not what I say. But but it was an amazing thing.
Speaker 2: In fact, some of the nurses were upset with me
Speaker 2: that I was walking around and I discouraged the people
Speaker 2: who had fusion, and I said, well, I'm sorry.
Speaker 7: I mean I didn't mean to.
Speaker 2: I mean, you know, because they were asking me, when
Speaker 2: did you have surgery? I said this morning, and they
Speaker 2: or this afternoon or whatever. They couldn't believe it. I mean,
Speaker 2: and these guys were in there four days later and
Speaker 2: they were in bed. So it's just I don't know why.
Speaker 2: In fact, I don't know why anyone anyone does fusion.
Speaker 2: I don't know why. I don't know why because I
Speaker 2: mean maybe because maybe because they're not candidates for anything else,
Speaker 2: and all they want to do is get out of pain.
Speaker 2: And I truly feel for them. So have a great day.
Speaker 2: Let me know if you need anything else. If you
Speaker 2: leave your email address, I'll give you a link to
Speaker 2: that video. Three zero three seven one three A two
Speaker 2: five five. If anyone else is listening, they can go
Speaker 2: on YouTube and just search it Martino search for premium tops,
Speaker 2: procedure back pain whatever, I think. I put a lot
Speaker 2: of tags in there. We have a lot coming up
Speaker 2: on The Troubleshooter Show three oh three seven one three
Speaker 2: talks seven one three eight two five five. Go with
Speaker 2: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content. Wait time
Speaker 2: for an insurance checkup free, no obligation comparison call Compass
Speaker 2: Insurance paying too much your coverage at dozens of insurance
Speaker 2: companies find out now three oh three seven seven one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martino, your Troubleshooter three oh
Speaker 2: three seven one three talk three oh three seven one
Speaker 2: three eight two five five Okay, So uh Bill has
Speaker 2: an issue with a window bill?
Speaker 7: Welcome, what's happening Bill?
Speaker 3: What's up?
Speaker 16: Hey?
Speaker 8: Listen?
Speaker 3: I got a lifetime warranty window from I got him
Speaker 3: more for Ken Moon's website years ago. And the balance
Speaker 3: spring keeps breaking and it's broken now, and the guy said, well,
Speaker 3: we'll replace the window or something.
Speaker 2: Now, hold on, man, this is this is a what
Speaker 2: kind of window?
Speaker 7: Bill?
Speaker 3: Mary Mac?
Speaker 2: I think I've never heard a Mary Mac?
Speaker 3: I think so that's what it is.
Speaker 7: How long ago was it installed?
Speaker 8: Oh?
Speaker 3: I'm thinking around ninety six. But it's it's broken and.
Speaker 7: They're still Wait, they're still in business, I believe.
Speaker 3: So, But the installer is and I don't know, and
Speaker 3: he's talking about replacing the window. And my question is
Speaker 3: how much of my responsible of the paint?
Speaker 2: Well, Bill, I don't know anything about this. I mean
Speaker 2: you're asking let me explain this to you. First and foremost,
Speaker 2: who warranted it? Was it the manufacturer or was it
Speaker 2: the dealer? That's the first question. The second question is
Speaker 2: are they still around? And then then those two questions
Speaker 2: are paramount.
Speaker 3: Okay, So if we do install the window, should.
Speaker 9: I be.
Speaker 2: I'm going to ask I'm going to ask this. I'm
Speaker 2: going to say the same thing. Is it a manufacturer's
Speaker 2: warranty and are they still around? Or was it a
Speaker 2: dealer warranty? And are they still around? Which one was it?
Speaker 3: Uh? Well, the manufacturer guaranteed it? Because different people have
Speaker 3: come out.
Speaker 2: Do you have a copy of the guarantee?
Speaker 3: I don't think so. I don't know.
Speaker 2: Maybe do you have a name of the manufacturer, a
Speaker 2: name Mary Mac, Mary m A R Y m Ack.
Speaker 3: I think m R I Mack.
Speaker 2: Okay, Mary Mac windows. I can't find anything on Merymack windows.
Speaker 2: So if you're saying they're still in bit, well, let's say, and.
Speaker 3: I might be saying it wrong, but well, my question
Speaker 3: is though, how much am I responsible?
Speaker 2: Okay, okay, you keep asking the same question. I keep
Speaker 2: saying the same thing. It depends on if it was
Speaker 2: a manufacturer's warranty and if the company is still around,
Speaker 2: and what the terms and conditions are of the window.
Speaker 2: So I can't answer you. Bill. You could be responsible
Speaker 2: for one hundred percent of it. You could be responsible
Speaker 2: for just the parts. You could be responsible for just
Speaker 2: the labor. I have no idea. It depends on the
Speaker 2: manufacturer's warranties, terms and conditions.
Speaker 7: That's what it depends on.
Speaker 2: So when you called this person, who did you call
Speaker 2: about the window?
Speaker 7: Who is it?
Speaker 3: Installer?
Speaker 2: What is so the installer that did it in nineteen
Speaker 2: ninety six is still around?
Speaker 5: Right?
Speaker 2: That installer is still around okay. And and what is
Speaker 2: the installer's name?
Speaker 3: It's a buyer's windows.
Speaker 2: Okay, so Buyer's Windows B Y E er S. Yes, Okay,
Speaker 2: call them and ask them is this still covered under
Speaker 2: a manufacturer's warranty?
Speaker 7: Yeah, I'm giving it to you.
Speaker 2: Call buyers and ask them if it's covered under the
Speaker 2: manufacturer's warranty. And under that warranty, how much are you
Speaker 2: responsible for? They'll tell you exactly. They don't want to
Speaker 2: they don't want to get to your house and not
Speaker 2: be paid. Buyer's Windows is the installer? That's amazing if
Speaker 2: they're still around after two eight years. They show a
Speaker 2: place still uncentennial.
Speaker 7: Buyers B E y E R S.
Speaker 2: And I see it. Okay, that's cool. And they they're
Speaker 2: the ones that install the window. You bought it from them,
Speaker 2: right correct? Okay, I'm on their site right now. And Bill,
Speaker 2: I'm not trying to give you a hard time.
Speaker 7: I swear to you.
Speaker 2: I'm trying to get to the bottom. They show nothing.
Speaker 2: They show nothing of the sort here, none of those
Speaker 2: windows you talked about. They show Anderson, Marvin mill Guard.
Speaker 2: And you know what I'd like to do. I want
Speaker 2: you to I want you to hang on, and I
Speaker 2: want to get you a real answer so you don't
Speaker 2: get ripped off because you should be calling Gravina. That
Speaker 2: guy Nick knows about every window known to man. Would
Speaker 2: you call Nick and let's get his professional opinion for Bill?
Speaker 7: Can we do that, Kachina?
Speaker 2: Yes?
Speaker 7: Good?
Speaker 2: Three oh three seven one three talk seven one three
Speaker 2: eight two five five eight eight eight Heating dot Com
Speaker 2: for your forty five dollars Deep Clean. That's right, forty
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Speaker 2: Time for an insurance check up free, no obligation comparison
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three o three seven
Speaker 2: to seven to one help. You'll think you're his only
Speaker 2: customer when you choose Frank Durand the real estate Man
Speaker 2: dot com to list your home with Remax Alliance three
Speaker 2: oh three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 2: your troubleshooter. Let me go to Nick Gravina at Gravina's
Speaker 2: Gravina's Windows and doors, and that's on West Evans. Nick,
Speaker 2: have you heard of Mirrormac windows? Mer are, I m ack.
Speaker 17: It's not a Mirramac, it's Mirror.
Speaker 7: No.
Speaker 2: No, see that's what I thought he said.
Speaker 7: He said it was mirror. He might be getting that wrong.
Speaker 2: But when I googled Mirrormac, what's really weird?
Speaker 7: When I googled.
Speaker 2: Mirramac r r I m ack, it says Mirrormac windows.
Speaker 7: But there are no Mirramac windows.
Speaker 2: I think they're just using I don't know, I have
Speaker 2: no idea, but it's I can't find a brand called
Speaker 2: Mirramac anywhere. So if you haven't heard of it, for
Speaker 2: God's sakes, you guys handled like fifty lines of windows.
Speaker 2: If you've never heard of it, I'm going to say it,
Speaker 2: they don't exist.
Speaker 17: Well, I mean it's possible they exist. That could also
Speaker 17: possibly be maybe a private label of somebody. You know,
Speaker 17: there's a lot of companies out there that will private
Speaker 17: label and put a different name on it. But I
Speaker 17: would say, if it's an the Denver market, it's probably
Speaker 17: all the Merrimax.
Speaker 7: And it's just that's what I was thinking.
Speaker 2: A Mirrormax. Hey, Bill, is it possible it's a Mirrormax.
Speaker 7: Could be yes, do you have anything written down anywhere,
Speaker 7: an old invoice or anything.
Speaker 3: I don't know. We have to really look at possibly.
Speaker 17: Now, why the buyers, Hey, yeah, I think buyers used
Speaker 17: to do a Merrimax.
Speaker 2: That's what I'm thinking now when you say used to.
Speaker 2: Is a Mirramax still around?
Speaker 6: Nick?
Speaker 17: No, they went under probably about two years ago now.
Speaker 7: So their warranty would be worth nothing anyway.
Speaker 17: Well, they're warranty. So they were bought by Cascade multiple
Speaker 17: years ago. Cascade was bought by Plyjim. Cornerstone bought ply
Speaker 17: Jim in theory, when we still have a Mirramax issue,
Speaker 17: we can go through Cascade depending on what the issue is.
Speaker 7: And Okay, you know what I want you to do.
Speaker 2: Bill, I don't care who you dealt with in nineteen
Speaker 2: sixty nine. I want you to really deal with Gravina
Speaker 2: and Nick.
Speaker 7: I want they'll they'll take a look.
Speaker 3: Okay, Okay, Well I'm going to replace the window I
Speaker 3: just said. Well, get someone's opinion.
Speaker 2: Well, okay, if he might be able to get you
Speaker 2: some warranty, maybe not, but I want you to call him.
Speaker 17: Okay, I'll get the issue at the window.
Speaker 7: Bill, what's the issue with the window?
Speaker 3: Well, the the balance spring keeps breaking. It's broken about
Speaker 3: four or five times.
Speaker 2: Is it a double hung?
Speaker 3: No?
Speaker 17: Are you just down on the show a week ago?
Speaker 2: No?
Speaker 7: I don't think so. Oh are you?
Speaker 2: Bill?
Speaker 7: I'm sorry.
Speaker 3: I called it Buck the windows that you can't access.
Speaker 3: And he asked me if I was a horder.
Speaker 17: Ugh, yeah, he was on the show when I was
Speaker 17: on the show. Yeah, I think it was a merrimax
Speaker 17: and it was a balance issue. I told him it
Speaker 17: could maybe be, you know, if it was an installer
Speaker 17: issue or for screws backed out, maybe kind of rubbing
Speaker 17: on the string.
Speaker 2: Okay, God, you got a memory. Holy crap, Nick, I
Speaker 2: used to think I had the memory. But you're right, Bill.
Speaker 2: I did ask if you're a hoarder. But Bill, I'm
Speaker 2: just gonna give you some bad news. They need access
Speaker 2: to that window. You're not going to get it replaced
Speaker 2: from the outside only.
Speaker 3: Well, no, that one's no problem. Okay, yeah, other windows?
Speaker 2: Do you have a service department?
Speaker 6: Nick?
Speaker 17: Yeah, But if he wants to call down, I'll give
Speaker 17: him my email, which is, you know, Nick at Gravina
Speaker 17: Windows dot com. And if he can send me some
Speaker 17: pictures or we have a text line which is three
Speaker 17: or three Gravina. If he can provide me some pictures,
Speaker 17: maybe I can do a little you know, pre investigation.
Speaker 17: If we can, you have to, we can try to
Speaker 17: get out there for him.
Speaker 3: Okay, okay, it's just a it's a bathroom window that's trusted.
Speaker 2: I wait, we got it, Bill, So did you hear
Speaker 2: three or three Gravinas this text? You can text him
Speaker 2: or you can do his uh email which is Nick
Speaker 2: at Gravina's is it Gravina or Gravina's.
Speaker 17: Gravina right single windows plural?
Speaker 7: But yeah, so Nick at Gravina Windows dot com.
Speaker 3: I can quite remember on your website, right yeah.
Speaker 2: Yeah, But we can get Kitchina, give him, give him
Speaker 2: the web, give him the email address he needs. Email first, Bill, Nick,
Speaker 2: I really appreciate it. Nick Gravina, of course, Gravina's windows
Speaker 2: or and it's Gravina Window dot com. Nine to fifty
Speaker 2: West Evans And they truly are the experts. Fifty lines
Speaker 2: of windows three oh three, four, seven, two eighty four
Speaker 2: sixty two. And yeah, yeah, I've known I've known these
Speaker 2: guys for so so many years. And you can trust
Speaker 2: him Gravina Windows dot Com. Okay, let's go back to
Speaker 2: the phones and we have some texts for uh Dan McKenzie,
Speaker 2: Dan McKenzie estate planning on a trust Dan, Someone said,
Speaker 2: what scenario these people have some real estate and they
Speaker 2: have some home. You know, they have a home, they
Speaker 2: have vehicles, they have artwork. When is a trust used?
Speaker 2: They want to know why? And when is a trust used?
Speaker 2: Why can't they just use a will? And that's a
Speaker 2: good question.
Speaker 6: You absolutely can use a will if you pass away
Speaker 6: in Colorado and have eighty two thousand bucks or real estate.
Speaker 6: To get that stuff transferred, it's going to have to
Speaker 6: go through the court supervised process of probate. So a
Speaker 6: question for you is do you care about that or not?
Speaker 6: And some people don't care.
Speaker 2: They're like, that's fine, okay, But how does the trust
Speaker 2: avoid all of that? What would happen if they have
Speaker 2: a trust? How does it does it bypass everything? They
Speaker 2: don't even go to the court?
Speaker 6: Correct? Because the trust is I compared it to a
Speaker 6: little business for your personal stuff. You're retitling your stuff
Speaker 6: to your trust, which you run as long as you're alive,
Speaker 6: and then when you pass away, the trust is always
Speaker 6: alive and well, so the owner of your house and
Speaker 6: you know, whatever property you just mentioned there is still alive.
Speaker 6: It doesn't have to go through probate. The question is
Speaker 6: just who steps in and runs it, and you put
Speaker 6: that detail in the trust agreement. Okay, that person just
Speaker 6: steps in there. They don't need court authorization, just like
Speaker 6: when you know, Steve Jobs passed away and Tim.
Speaker 7: Cook took over.
Speaker 6: Tim Cook did not need court authorization to take over Apple, right,
Speaker 6: I mean, it's just like he's in there now, he's
Speaker 6: the CEO. The same thing a trustee is like the CEO.
Speaker 6: There are new CEO steps in if you're not here anymore.
Speaker 7: Okay, so the entity stays the same.
Speaker 6: The entity is the saying it's the owner of your
Speaker 6: stuff and it is not debt.
Speaker 2: And when that trust owns that stuff, can it wind
Speaker 2: up after the primary person dies.
Speaker 6: That's usually what that's usually the instruction.
Speaker 2: But it can stay in place for the life of
Speaker 2: the heirs.
Speaker 6: Yeah, it might morph into like more tra like you know,
Speaker 6: a lot of trust. It's like it says, break this
Speaker 6: up into trust for each of our kids after we
Speaker 6: pass away. And now those trusts keep going and you know,
Speaker 6: legally those are separate trusts, but they're all created by
Speaker 6: the same document.
Speaker 7: Very interesting.
Speaker 2: Thank you for texting that, whoever did, because you know,
Speaker 2: I mean, we go over that quite a bit, but
Speaker 2: it is an entity. And again somebody asked me about well,
Speaker 2: I'll get to that in a minute. Here we do
Speaker 2: have some more tests for him, and if you can call,
Speaker 2: you can ask him questions. Two three oh three seven
Speaker 2: one three talks seven one three eight two five five.
Speaker 2: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content,
Speaker 2: wait time for an insurance check up free no obligation
Speaker 2: comparison call Compass Insurance paying too much your coverage at
Speaker 2: dozens of insurance companies find out now three all three
Speaker 2: seven seven to one help. You'll think you're his only
Speaker 2: customer when you choose Frank durand the real estate Man
Speaker 2: dot com to list your home with Remax Alliance three
Speaker 2: all three nine two zero sixteen twenty two.
Speaker 7: Hey Tom Martino, you're troubleshooter.
Speaker 2: Three o three seven one three talks seven one three
Speaker 2: eight two five five. I was talking about excitement to
Speaker 2: come on my show where I'm gonna have a link,
Speaker 2: a public link that'll bring people in to a website
Speaker 2: where they wait in a queue and come on with
Speaker 2: the show without a phone call. They can do it
Speaker 2: through their phone or their computer by simply clicking a
Speaker 2: link or putting a link in their browser. It's going
Speaker 2: to be wonderful. Seriously, I'm taking the show to new heights.
Speaker 2: I'm always on the forefront. Come on. We all know
Speaker 2: that I was the first one to stream in Denver
Speaker 2: three O three seven one three talk seven one three
Speaker 2: eight two five five, the first one to have a
Speaker 2: referral list ever. Think of the first we had on
Speaker 2: this show, the first consumer show ever in the world.
Speaker 2: There aren't any anymore anyway, and there are a few
Speaker 2: copies that tried. But anyway, Drew, Welcome to the show, Drew.
Speaker 7: I did.
Speaker 2: I just want you to know something, Drew. I did
Speaker 2: get your email, and I did get your yet login
Speaker 2: information for your GoFundMe, but I haven't yet had a
Speaker 2: chance to go in and change. I wanted to help
Speaker 2: you rewrite your intro and make it more appealing, and
Speaker 2: I haven't had a chance to do that yet.
Speaker 7: Is that what you're calling about, sir?
Speaker 15: Yes, Tom and in fact do it at truleisure because
Speaker 15: you're doing me a tremendous favor. I've never had a
Speaker 15: computer or a cell phone. I don't know anything about it.
Speaker 15: The librarian said, you might want to switch your phone
Speaker 15: because then they're going to well.
Speaker 7: I don't know. Here's what I You're right.
Speaker 2: I mean, if I put my phone number down though
Speaker 2: on your on your GoFundMe, it may compliment I mean
Speaker 2: complicate things.
Speaker 7: Now.
Speaker 2: I know what your your librarian meant. She said, it's
Speaker 2: going to ask for verification texts, and it's going to
Speaker 2: be complicated if you get the verification.
Speaker 7: I get that.
Speaker 2: So what I think I might do is maybe temporarily
Speaker 2: change the phone number and then put it back to
Speaker 2: your phone number afterwards.
Speaker 15: I don't know, I'm me because I know nothing about it.
Speaker 2: Yeah, I know, looking I'm going to try to help
Speaker 2: you all I can, Drew. I'm I'm going to be
Speaker 2: straight with you though, and this is something I need
Speaker 2: you to know. I'm not so sure you're going to
Speaker 2: get enough money through this GoFundMe site because there are
Speaker 2: a lot of causes people don't care about.
Speaker 7: I don't know how to put that.
Speaker 2: I'm not saying you're not a good person or people
Speaker 2: shouldn't want to help you. I'm going to try to
Speaker 2: make the appeal to where they will want to help you.
Speaker 2: But we have the risk, sir, of them not contributing
Speaker 2: to you. Do you understand that right?
Speaker 15: Yes? Tom? Can I go back to nineteen fifty four
Speaker 15: day c.
Speaker 7: Nineteen fifty four?
Speaker 15: Be sure you're right, then go ahead and do it.
Speaker 15: So that's what we're doing.
Speaker 7: Yeah, Yeah, Okay.
Speaker 15: We're doing We're going to do it when lose or draw.
Speaker 15: Thank you.
Speaker 2: Yeah, and I just hope, like I said, yeah, I
Speaker 2: have your I have your link right here and your login.
Speaker 2: I just wanted to make sure I had him. Drew, listen,
Speaker 2: do you have a contingency plan? Do you have not?
Speaker 7: Do you not have money to make pay rent this
Speaker 7: next time?
Speaker 2: When?
Speaker 7: When do you run out of rent?
Speaker 1: Money?
Speaker 15: On tuesdaree? Probably January, which is right around the corner.
Speaker 2: Do you have so you don't? You have social security
Speaker 2: coming in?
Speaker 15: I have social Security and pension and the total of
Speaker 15: both of them is seventeen hundred a month.
Speaker 7: And how much is your rent?
Speaker 15: Twenty two hundred?
Speaker 7: Oh my god?
Speaker 2: How have you been living up to this point, I've.
Speaker 15: Lost ninety eight percent of my life savings.
Speaker 2: Oh my god, Drew, what did you do for you
Speaker 2: were a preacher? For income? When did you stop working
Speaker 2: as a preacher?
Speaker 15: Well, I guess with the car accidents, two of them,
Speaker 15: because I'm now halfway crippled.
Speaker 2: Yeah again, Uh, your personal injury attorney, did we ever
Speaker 2: contact him? We never got you were you were going
Speaker 2: to give us the name and you never did.
Speaker 15: Wait wait, wait, want to be asked by a very
Speaker 15: good radio station and he said no.
Speaker 2: Wait, he wouldn't talk to us about your case. You
Speaker 2: didn't have to tell him where a radio station.
Speaker 13: For goodness sakes, I always just say the truth.
Speaker 15: I don't think about it. But that's what he said.
Speaker 15: I can ask him again if you want me to.
Speaker 2: No, No, here's the problem. He's thinking it's going to
Speaker 2: be on radio and all that. We just want to
Speaker 2: find out what he's doing on your case. We're not
Speaker 2: putting it on the radio. We just want to help you.
Speaker 15: Hey, tell me it should be coming the trial in
Speaker 15: about six seven months, but you know the card system.
Speaker 15: In the meantime, I'll be in the street come January.
Speaker 2: Would you ask him to just see if we can
Speaker 2: ask him if tell.
Speaker 7: Him I'm just a friend of yours.
Speaker 2: I happen to be on the radio, but I'm just
Speaker 2: a friend of yours that wants to find out. Hold on,
Speaker 2: could Gena get the name and number for this guy
Speaker 2: length and give tell him that. Okay, don't ask him
Speaker 2: about being on the radio or anything of the sort.
Speaker 2: I think that just complicates things at this point. Gee okay,
Speaker 2: Oh yeah, good, Okay. Put him on hold three oh
Speaker 2: three seven one three talk three O three seven one
Speaker 2: three eight two five five. I'm want to go back
Speaker 2: to this text. Someone said, Tom, I heard you talking
Speaker 2: about a creative way to use an LLC to pass
Speaker 2: things through death instead of a trust. Again, I'm not
Speaker 2: advocating they do it instead of a trust, but I
Speaker 2: think there are times a simple LLC could be apropos.
Speaker 7: Here, and so let's talk about that.
Speaker 2: Coming back on how you can use an LLC instead
Speaker 2: of a trust and when that would be apropos. That's
Speaker 2: coming up with McKenzie law Dan McKenzie coplans dot co
Speaker 2: is his number or eight three three co plans we
Speaker 2: have more.
Speaker 7: Right after this. Plus we're going to ask the deputies for.
Speaker 2: Any follow ups or progress on the cases they're working.
Speaker 7: I'm Tom Martino.
Speaker 2: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free, no obligation. In comparison,
Speaker 2: call Compass Insurance paying too much coverage at dozens of
Speaker 2: insurance companies find out now three all three seven seven
Speaker 2: to one help. You'll think you're his only customer when
Speaker 2: you choose Frank durand the real estate Man dot com
Speaker 2: to list your home with Remax Alliance three all three
Speaker 2: nine two zero sixteen twenty two yeer.
Speaker 1: Ripped. You need advis so you don't have come running
Speaker 1: ass as can. Shooter's gonna help. Come man, This is.
Speaker 5: The Troubleshooter Show, Now Tom Martino, Hello.
Speaker 7: Tom here, Welcome to the show.
Speaker 6: Three O three.
Speaker 2: Seven one three talk seven one three eight two five five.
Speaker 2: Actually the main numbers three oh three Martino three oh
Speaker 2: three six two seven eight four sixty six. It's where
Speaker 2: you can call twenty four to seven. Leave a message.
Speaker 2: We'll get back to you and we will help you
Speaker 2: anyway we can. Okay, so you don't have to stay
Speaker 2: on hold and that's three oh three Martino three oh
Speaker 2: three six two seven eight four six six welcome. Hey, uh,
Speaker 2: we have some questions for our attorney today for estate
Speaker 2: planning and anything on your mind.
Speaker 7: We'd love to talk to you about.
Speaker 2: But I do want to tell you something everyone, and
Speaker 2: this is really important to me. I years ago got
Speaker 2: a little pissed off at the financial planning industry and
Speaker 2: the personal finance industry and investment advisor industry. So I
Speaker 2: had a wild hair and I hired a guy to
Speaker 2: do my own planning. He was a registered investment advisor
Speaker 2: representative with a company, and then he came and started
Speaker 2: working for me, along with another guy, and I just
Speaker 2: had them working for me over the years, just me
Speaker 2: and I made a deal that I'd give them a
Speaker 2: portion of what they returned for me. And then when
Speaker 2: artificial intelligence first started coming around, I asked them to
Speaker 2: develop some of those procedures and strategies we've done on this,
Speaker 2: and I said, why don't you you know? And so
Speaker 2: we did. And then I did this about six years ago,
Speaker 2: and it was all selfish, absolutely selfish. I hired private
Speaker 2: advisors and I'm.
Speaker 7: Not going to tell you about the performance. It was good.
Speaker 2: But I'm not going to tell you because there's no
Speaker 2: guaranteeing performance ever. But we tracked it and we established
Speaker 2: an AI program. We call it SWELL Strategic Wealth Enhancement
Speaker 2: Learning Logic. Then I established a private fund and did
Speaker 2: that legally so we could invite others into it qualified investors.
Speaker 2: And I did that for a few years, and then
Speaker 2: I thought, you know what, I would like to do
Speaker 2: this for others, because frankly, there's a reason for it.
Speaker 2: So I moved forward with official registration as an investment
Speaker 2: advisor with the Colorado Division of Securities and just did that.
Speaker 2: I mean, but I've been doing this for like five
Speaker 2: or six years, and I had the private fund, and
Speaker 2: I just here's what I'm telling you. I started a
Speaker 2: business because of it.
Speaker 7: It's called Wave eight.
Speaker 2: Financial Manage Wave eight Wealth Management. And the reason I
Speaker 2: did it I want to tell you about. And I'm
Speaker 2: not saying people are bad, Okay, I'm not saying that,
Speaker 2: but I want you to know about the industry because
Speaker 2: I don't think a lot of people know about the industry,
Speaker 2: not at all. And by the way, you can ask
Speaker 2: me any questions you want about it, or you can
Speaker 2: just call about any problem question or complaining three oh
Speaker 2: three Martino three oh three, six two seven, eight, four
Speaker 2: sixty six. But here's the bottom line.
Speaker 5: And.
Speaker 2: I'm gonna be I'm going to piss off a lot
Speaker 2: of people. So I hope that when you hear me,
Speaker 2: you check this out for yourself. And again, I'm not
Speaker 2: saying the industry is filled with bad people. In fact,
Speaker 2: it's highly regulated, and I think most of them are
Speaker 2: really good people. I really believe that, I really do.
Speaker 2: They're not necessarily all equally as skilled, but I think
Speaker 2: financial advisors are pretty much a good sort. A lot
Speaker 2: of that happens since made off because restrictions and regulations
Speaker 2: got way harder and tighter and safer for consumers. But
Speaker 2: most every investment advisor you hear about anywhere, or these
Speaker 2: shows you hear all over the radio all of the
Speaker 2: country on Saturdays and Sundays and all that, almost every
Speaker 2: single advisor are not really investing your money. Their relationship managers.
Speaker 2: They bring you in and they promise to advise you
Speaker 2: and invest your money, but they don't. Now again, they're
Speaker 2: not breaking any laws. I'm not talking about that. They
Speaker 2: just are not your advisor. Now they appear to be
Speaker 2: your advisor. Instead, what they do is they interview you,
Speaker 2: so I guess they kind of advise you. They interview you,
Speaker 2: they find out about your risk level, your investment objectives
Speaker 2: and goals. They place you in similar portfolios with other
Speaker 2: investors with the same goals and the same objectives and
Speaker 2: the same risk levels. They kind of section their clients
Speaker 2: in these portfolios, and then they hand them off to
Speaker 2: big broker dealers who then take care of the trading.
Speaker 2: Not bad, I mean a lot of people make good money.
Speaker 7: Go ahead.
Speaker 2: Now there are people say, oh, I don't care, Tom,
Speaker 2: I do everything myself. Well, look, no normal person has
Speaker 2: the energy or the time to do that. But I
Speaker 2: don't want to get into that discussion because there are
Speaker 2: noaht alls who think they do everything themselves, and they
Speaker 2: don't hire anyone for anything. I'm surprised to go to dentists.
Speaker 2: But in any case, most financial advisors bring you in,
Speaker 2: they establish a relationship. Then they place your portfolio with
Speaker 2: a broker dealer and they're middlemen. And what happens is
Speaker 2: they pay a fee to the big trader, the big advisor,
Speaker 2: or the big broker dealer. They pay a fee, and
Speaker 2: they charge you a fee and they make a middleman fee.
Speaker 2: They carve off some for themselves and then pay the
Speaker 2: people who are really investing your money. Okay. Now again,
Speaker 2: there are people who love that model. They love their
Speaker 2: financial advisor. They say to me, oh, I love my
Speaker 2: financial advisor on liver Change.
Speaker 7: Okay.
Speaker 2: So I wanted to do it a different way. I
Speaker 2: wanted to actually really do it with my people, and
Speaker 2: so when I developed this firm, I made some pledges
Speaker 2: one hundred percent, one hundred percent of our funds personal funds,
Speaker 2: my money is in this company, one hundred percent of
Speaker 2: investible funds. I mean I might have money elsewhere, like
Speaker 2: in a house or something, but I'm talking about all
Speaker 2: of my investable funds are.
Speaker 7: Exactly where yours would be.
Speaker 2: We don't pawn off a portfolio to other people to
Speaker 2: make investment decisions.
Speaker 7: Ever.
Speaker 2: We take an active role in wealth building for you,
Speaker 2: and we limit our growth and expansion so everyone gets
Speaker 2: individual attention for objectives, goals and desires. That's that's what
Speaker 2: I want to do. And I'm the founder, I'm a client,
Speaker 2: and I don't get compensated for talking about it, but
Speaker 2: I will make money on the company.
Speaker 7: That's what people do. You make a fee.
Speaker 2: So I just want to put that out in the
Speaker 2: open because you will be hearing the advertised Wave eight
Speaker 2: Wealth Management. And it's an absolute passion of mine, and
Speaker 2: I've been silent about it up till now, but i
Speaker 2: can tell you I'm very satisfied with what it's done
Speaker 2: for me, and I want to do the same for others.
Speaker 2: And if you're interested at all, I'm going to give
Speaker 2: a phone number. This is not anything like the model
Speaker 2: in the marketplace right now. This is personalized. This is
Speaker 2: one to one. I mean, we have a group, and
Speaker 2: we have a committee and all of that. We have
Speaker 2: the artificial intelligence, but this is not where we just
Speaker 2: pass along your portfolio. And I'm not saying those people
Speaker 2: are bad your mind, but they're not your advice. They're
Speaker 2: really not your advisor. Okay, that's just the true. The
Speaker 2: number if you want to if you want help, is
Speaker 2: three O three seven seven one help. I took that
Speaker 2: number from my bank and I'm using it now for
Speaker 2: Wave eight Wealth Management. It's three oh three seven seven
Speaker 2: one help seven seven one four three five seven and
Speaker 2: it's the website is W eight WM dot com stands
Speaker 2: for Wave eight Wealth Management. You could spell it out
Speaker 2: if you want too. That'll get you there. Wave eight
Speaker 2: the number eight Wealth Management dot com or just W
Speaker 2: eight WM dot com three O three seven seven one
Speaker 2: help seven seven one four three five seven There. I
Speaker 2: wanted to talk about that. It's been on my mind
Speaker 2: a long time. I've been working on it behind the scenes.
Speaker 2: So if you have any questions you can ask me
Speaker 2: as well. But I just wanted to talk about it.
Speaker 2: Another thing I want to talk about. I have Dan
Speaker 2: McKenzie with me, and Dan does a state planning and
Speaker 2: we have a question for him. LLCs instead of trusts. Okay,
Speaker 2: somebody heard me talking about it one time. A trust
Speaker 2: bypasses court, goes through death and preserves assets and money
Speaker 2: and all kinds of stuff property, vehicles, artwork. And you
Speaker 2: can also write a lot of terms and conditions in there.
Speaker 2: You can put terms and conditions on the people who inherit.
Speaker 2: You can write a trust to match salaries for kids,
Speaker 2: you can do whatever, or you can dissolve it after
Speaker 2: your death and the trustee disperses all that stuff that's
Speaker 2: all true about a trust, right right?
Speaker 6: Yeah?
Speaker 2: Okay, Now what I also want to know, and Jeanette,
Speaker 2: I will take you next. I promise on a trust, though,
Speaker 2: how can an LLC help do some of that? And
Speaker 2: when can you use an LLC? An LLC is something
Speaker 2: you easily form. It's a limited liability company. You can
Speaker 2: do it in ten minutes online. When would you use
Speaker 2: an LLC?
Speaker 6: So typically llices are used for like business purposes, right
Speaker 6: for assets that are producing income like a rental property
Speaker 6: or a business or something like that. Because LLCs do
Speaker 6: give you an argument that their asset protected right the
Speaker 6: assets are in there are separate from yours.
Speaker 2: Where you have a little company LLC you know, yeah,
Speaker 2: ABC Roofing LLC whatever.
Speaker 6: The revocal trust does not give you asset protection. People
Speaker 6: ask me all the time if I put this stuff
Speaker 6: in this trust, am I going to be protected from
Speaker 6: being sued? And the answer is no, And probably thank God,
Speaker 6: because it was that easy to hide your money, we
Speaker 6: all would do it and be living like So remember.
Speaker 2: A trust does not protect you from lawsuits.
Speaker 6: There are trusts that can do that, but they're sophisticated,
Speaker 6: They got to be irrevocal. They might have to be
Speaker 6: set up in different jurisdictions. So it's just a lot
Speaker 6: more than just a revocal living trust. The trust purposes
Speaker 6: just to get assets out of your name so that
Speaker 6: you don't have to go through probate. The LLC we
Speaker 6: have used lycees for mistake planning to and the reason
Speaker 6: that sometimes those work is because trust puts somebody in
Speaker 6: charge and they end and like sometimes you've got an
Speaker 6: asset like a ski condo in Breckinridge or something like that,
Speaker 6: where it's like, this is a family asset, we really don't.
Speaker 6: We want the family to come together and work together,
Speaker 6: almost like a business.
Speaker 7: Right, So you create.
Speaker 6: An LLC with an operating agree, with an operating agreement
Speaker 6: that says, here are the members the you know, basically
Speaker 6: the boarder and what they own. Yeah, they're they're membership interest.
Speaker 6: What if they want to get out? What if your
Speaker 6: kid has moved to Florida and it's like I not
Speaker 6: interested in knowing a record in Ridge condo anymore? How
Speaker 6: does he get out?
Speaker 7: So that's almost better than a trust.
Speaker 6: It's easier for that circumstance. Yes, I mean it's not,
Speaker 6: you know, it's not for everything. Don't run own and
Speaker 6: put everything you have in an LLC. Uh, you can
Speaker 6: create tax issues for yourself. So you want to consult
Speaker 6: with us about this, but it does have its use.
Speaker 6: It does have its use in the state planning too.
Speaker 2: Okay, so you would have these things, you could have
Speaker 2: all of them in one LLC or maybe several LLCs.
Speaker 6: Oh yeah, yeah, depending on some with lcs like asset
Speaker 6: protection if you're using it for that purpose, Like the
Speaker 6: more you can break it up, like we sued huge companies.
Speaker 6: It's like, you know, one point as involved in loss
Speaker 6: it against GE. There were like seven different GE entities
Speaker 6: or a g G Healthcare GE worldwide, you know, and
Speaker 6: it's like they've soaken it up.
Speaker 2: So you can have like if you have a rental,
Speaker 2: you can have each and you want to leave like
Speaker 2: different rentals to different airrors.
Speaker 7: You can have them as owners of the LLC.
Speaker 2: Right yeah, and then they can own that part of
Speaker 2: it in that LLC. And you can have an LLC
Speaker 2: for even can you have an LLC for artwork? Though
Speaker 2: probably not right because that's not income producer.
Speaker 6: I mean I guess if it was the artwork was
Speaker 6: owned by a business. Like again, like with the big companies,
Speaker 6: like they'll put their employees in one LLC, they'll put
Speaker 6: their equipment in another LLC, they'll put the building another
Speaker 6: l Oh, really it all out like that, so, but
Speaker 6: that's a huge hassle to maintain. No, of course you're
Speaker 6: going to be willing to like even file the periodic
Speaker 6: reports every year is a pain in the bud. So
Speaker 6: you just want to not get too carried away.
Speaker 2: But it can be used in place of a trust,
Speaker 2: and sometimes it's more useful than a trust. Now, Jeannette,
Speaker 2: we're going to come right back to you, Kachina, let
Speaker 2: her know I'll be right back to talk about a
Speaker 2: Greeley Dear Dealership and a Jeep Rubicon. Right after this,
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Speaker 2: when you choose Frank durand the real estate Man dot
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Speaker 2: three nine two zero sixteen twenty two. I'm gonna block
Speaker 2: them three oh three seven one three talk seven, one, three, eight,
Speaker 2: two five five some ahole on YouTube. We're gonna block you.
Speaker 2: You're get out of here talking about venezuel As. I'm helping.
Speaker 2: How are the gang members doing? You know what? They're
Speaker 2: not all gang members? And I resent that, you piece
Speaker 2: of crap. Okay, anyway, get rid of I'll get rid
Speaker 2: of him. I'll block this son of a gun. How
Speaker 2: do I block this put this user?
Speaker 7: Yeah, I'll just he'll just be gone, okay.
Speaker 2: Anyway, whoever he is, he's a coward, a keyboard coward.
Speaker 7: Hey, Jeanette, what's going on with you? Jeanette? By Jeanette?
Speaker 2: What sounds like you have an Oh? Wait?
Speaker 7: Did you buy this new or used?
Speaker 13: I bought it used as.
Speaker 18: A car lot?
Speaker 7: How long ago?
Speaker 18: It hasn't even been a month yet, it's actually in
Speaker 18: the shop.
Speaker 2: Now. I'm going to ask this question.
Speaker 7: I hate asking this question.
Speaker 2: I hate it.
Speaker 7: I hate it, but I'm going.
Speaker 2: To ask it. I got to ask it. Did you
Speaker 2: have it checked out before you bought it? No?
Speaker 3: I didn't, Okay, I just did a.
Speaker 2: And who'd you buy this oa cheap rubicon from?
Speaker 18: It's a car lotin Greeley called drive.
Speaker 2: In Motion, Drive in like driving like a drive in
Speaker 2: theater or drive.
Speaker 8: Yes, like a drive in theater driving motion?
Speaker 7: Okay, drive in motion?
Speaker 2: Got it?
Speaker 7: And and uh, how long you had? About month ago? Okay,
Speaker 7: So what's going on?
Speaker 18: Well, they sold it at a really cheap price. And
Speaker 18: you know, I asked about it before I went in.
Speaker 2: Well, it doesn't matter if you ask about it. What
Speaker 2: everyone says that I asked about They said it was great. Okay,
Speaker 2: go ahead, tell me what they said.
Speaker 18: Okay, Well they said that it needed an ABS module
Speaker 18: fix to pass admissions, but they weren't going to put
Speaker 18: the work in to get that done. That's why it's
Speaker 18: at the price.
Speaker 2: Is that?
Speaker 7: Well, let me ask you something.
Speaker 2: Where what what? What? What were they selling it to you?
Speaker 2: And where do you live? Do you live in an
Speaker 2: emission controlled area?
Speaker 7: Yes?
Speaker 3: I do?
Speaker 7: Then they had to Then they can't hold on.
Speaker 2: They can't sell it to you without a passing emissions
Speaker 2: if they're selling it to sell a buyer in an
Speaker 2: emissions controlled area, unless they sell it to you as
Speaker 2: a toe away. How did they sell it to you?
Speaker 18: I got the car finance through them.
Speaker 7: I want to know how they sold it to you?
Speaker 7: On the invoice? Is it does it say toe away.
Speaker 18: No, I'm pretty sure it doesn't say too.
Speaker 7: But they told you ight up front it would not
Speaker 7: pass emissions.
Speaker 18: No, they told me after I got the module fixed,
Speaker 18: it would pass emissions.
Speaker 2: But I've boughten the module, Jeanette, Jeanette, hold on at
Speaker 2: the time of the sale, did it have the module
Speaker 2: it needed? No, at the time of the sale, it
Speaker 2: was not sold as a tow away. At the time
Speaker 2: of the sale, it would not pass emissions. Are all
Speaker 2: of those true? Yes, Well, then they're in trouble because
Speaker 2: they can't sell a car into an emission area without
Speaker 2: it passing emissions or giving you a three day coupon
Speaker 2: to have your emissions checked.
Speaker 7: Now, did you get a three day coupon?
Speaker 9: They did give me that, But.
Speaker 2: Why would they give you a three day coupon if
Speaker 2: they knew it would not pass. They gave you a
Speaker 2: three day coupon and said, Jeanette, in order for it
Speaker 2: to pass, you have to buy an extra part.
Speaker 7: Yes, did you buy it?
Speaker 18: I bought the part that they told me it needed.
Speaker 8: But it's still the.
Speaker 7: And what did they say it needed? What did they
Speaker 7: say it needed?
Speaker 18: An ABC module or ABS module?
Speaker 16: Sorry?
Speaker 18: ABS module?
Speaker 2: ABS like in abs breaks. Yes, that has nothing to
Speaker 2: do with emissions.
Speaker 18: That's what I was told from the repair shop.
Speaker 2: Who did you who are you dealing? Did you call
Speaker 2: them back?
Speaker 18: I've called them several times and they've been kind of
Speaker 18: ditching me. I finally got a reply today in an email,
Speaker 18: and the person over at the shop said that they
Speaker 18: would put five hundred dollars towards their mechanic fixing the
Speaker 18: issue that's causing it not to pass admissions.
Speaker 7: Okay, and what is the issue causing it? What is
Speaker 7: the issue causing it not to pass?
Speaker 18: It's some type of fuel canister issue going on.
Speaker 2: Okay, Well, how much do they say it's going to
Speaker 2: cost if they're going to put five hundred toward it?
Speaker 18: I had an invoice and it's over one thousand dollars,
Speaker 18: like a thousand under it.
Speaker 7: No, you're not going to do that. You're going to
Speaker 7: undo the whole deal.
Speaker 18: Even the cars already financed through a bank.
Speaker 2: So they have to they have to undo it. They
Speaker 2: sold the car illegally and they're going to lose their license.
Speaker 2: In fact, Deputy d will you call and tell them that.
Speaker 2: Hold on, Jeanette, we'll get the information that No, they're
Speaker 2: going to undo the deal. Otherwise they lose their dealer license,
Speaker 2: so they can make the choice. They can't sell it
Speaker 2: like they did. They can't make you buy a module
Speaker 2: after the sale to pass emissions. They can't then say
Speaker 2: we're not going to make it pass emissions. They have
Speaker 2: to pay for the whole thing or they have to
Speaker 2: undo the deal. That's the way it is, Okay. The
Speaker 2: only way they would get around it is if they
Speaker 2: allege that it would have passed in the first three.
Speaker 7: Days but you did something to it. Okay, Okay, Okay.
Speaker 2: Now I think that we can probably convince them that
Speaker 2: they're breaking the law. Okay, So hold on three oh
Speaker 2: three seven one three talks seven one three eight two
Speaker 2: five five Kachina, give that over to Deputy d well More.
Speaker 7: Coming right up, Go.
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Speaker 2: two zero sixteen twenty two three seven one three Talk
Speaker 2: Trail three seventh three each two five five. Terry has
Speaker 2: a question for Dan McKenzie, Attorney at law for estate planning. Dan,
Speaker 2: I mean, Terry, go ahead.
Speaker 19: Sir, Good afternoon, gentlemen, sir, how are you all good?
Speaker 13: Good?
Speaker 2: Hey?
Speaker 19: I got a question. Back In September of twenty three,
Speaker 19: my wife and I set up a revocable living trust,
Speaker 19: and then in January of this year, we did a
Speaker 19: quick claim deed for our property to put into the trust,
Speaker 19: and I thought everything was good, and then all of
Speaker 19: a sudden last month, I got a letter from the
Speaker 19: Department of Finance, Denver Department of Finance saying that the
Speaker 19: legal description of the property is missing. Now I have
Speaker 19: a parcel ID would that not have the legal description?
Speaker 6: Usually the legal description says something like lot eight, block
Speaker 6: twenty you know, sub whatever your subdivision is, and that
Speaker 6: needs to be on the deed somewhere. The parcel number
Speaker 6: is not the legal description, but if you have a
Speaker 6: document that has that on there, it might all.
Speaker 7: So have the legal description on there. What document would Well,
Speaker 7: there's all kinds of documents.
Speaker 2: What what do you what He's trying to find his
Speaker 2: legal basically, yeah, the legal description.
Speaker 6: I mean if you go you can go back to
Speaker 6: the county indeed, Yeah, for the previous deed from the county,
Speaker 6: the one prior to the one you recorded, and that
Speaker 6: will have the legal description on there.
Speaker 2: Or you can go online and find it on the
Speaker 2: tax records.
Speaker 6: Yeah yeah, or you know the Clerk and Recorder's office
Speaker 6: also has the deeds online too.
Speaker 8: That's where that's where.
Speaker 19: That's where I went through with the quick claiming deed.
Speaker 6: And did you match it exactly to the previous deed?
Speaker 16: Well, I didn't have the deed with me and I
Speaker 16: bought the house thirty one years ago, so.
Speaker 8: You know, I have no idea.
Speaker 19: I guess My question is where could I find that at?
Speaker 2: And why does he need it?
Speaker 7: Because of the quick claim they wanted.
Speaker 6: I mean, if he's trying to move his property with
Speaker 6: a new deed that did that news you just needs
Speaker 6: you just the legal description of the property and that
Speaker 6: the addresses like clerk and record doesn't care about the due. Okay,
Speaker 6: I need to know the legal, got it? I mean
Speaker 6: I would, I would call a fellow Martino. Yeah, Brad O'Brien,
Speaker 6: because you should not be doing your own deeds. I
Speaker 6: mean they look really simple, they are really deceptive, Like
Speaker 6: do not draft your own deed.
Speaker 7: I just I really don't you mean your own quit
Speaker 7: your your own quit.
Speaker 6: Clan indeed, like anybody, like your house is your most
Speaker 6: valuable asset. Probably it's multiple six figures. Like you're not
Speaker 6: gonna pay two fifty to an attorney to get this correct,
Speaker 6: Like you gotta do that.
Speaker 19: So go through Brad O'Brien, well, at least to ask
Speaker 19: his advice.
Speaker 2: Yes, but but you can find if all you're looking
Speaker 2: for is the legal. You can find that legal anywhere.
Speaker 2: I don't know why you're having a problem finding it.
Speaker 2: If you went online to the tax assessor's office and
Speaker 2: found your your appraisal card or any part of it,
Speaker 2: anything has your legal on it.
Speaker 19: Oh keep, But why would they say it's not on there?
Speaker 2: Well, I don't care what they say. I can go
Speaker 2: on there right now. I had to go on the
Speaker 2: other day and look at one for my hangar. It's
Speaker 2: on there. You can go on there and look at
Speaker 2: any property you have the address for that, and I
Speaker 2: don't know why, I, honest to goodness, don't know why.
Speaker 16: If it is on there, how do I, Brad?
Speaker 8: How do I mean, Dan?
Speaker 19: How do I get it to where it is on there?
Speaker 6: You probably will need to record a what's called a
Speaker 6: corrective deed. That's one way to do it where you're
Speaker 6: fixing things on a previous deed. There's also affidavits you
Speaker 6: can file, but usually a corrective deed is a better
Speaker 6: way to do it because you can't undo. You can't
Speaker 6: go back and like modify a deed. You record it already.
Speaker 7: You can't.
Speaker 6: You can't, you cannot, you cannot.
Speaker 2: Well, then what do you do?
Speaker 6: You got to file the corrective deed. It's another document one, Okay.
Speaker 6: The clerk Recorder's office is not messing with that chain. Okay,
Speaker 6: that's the whole point. So you've got to file something
Speaker 6: new to go back and correct the previous one.
Speaker 2: Okay. Here's what I found as I asked my girlfriend
Speaker 2: that the legal description could be found in several areas.
Speaker 2: It says here the County Assessor's website, free and public access.
Speaker 2: You search the County Assessor's website wherever County you're in,
Speaker 2: you look for the property search tool and you put
Speaker 2: you can put it in an address or names or whatever,
Speaker 2: and you will get the partial ID and the legal
Speaker 2: description immediately. That's what it says.
Speaker 19: And so Dan, do I have to then go through
Speaker 19: Brad to get a new deed?
Speaker 2: No?
Speaker 7: Not necessarily.
Speaker 6: No, He's just saying, do you think the whole you
Speaker 6: might have created a little bit of a hole here?
Speaker 6: And you know, we have situations where it's like people
Speaker 6: don't fix it and then they pass away some years later.
Speaker 6: It's like, now the family's got a decades old you
Speaker 6: know that they're going and having to go back and
Speaker 6: correct through like a probate case that they wouldn't have
Speaker 6: had to fire or got to help you a quiet
Speaker 6: title action. Those are just a huge pain. So you
Speaker 6: definitely want to get it right. And you know, yes,
Speaker 6: you're probably gonna have to file something new and you
Speaker 6: know this is a legal document, but.
Speaker 19: It's not something I can do myself.
Speaker 2: You can, and of course you can.
Speaker 6: You can, you absolutely can, and you just proved yourself
Speaker 6: you could.
Speaker 2: You just made a mistake and if you make another mistake,
Speaker 2: what Dan is saying is you don't get to correct them.
Speaker 2: You have to keep revising them, and sometimes the county
Speaker 2: doesn't find the mistake. See, you're lucky they found the
Speaker 2: mistake and told you to correct it. Some cases they
Speaker 2: don't find it, and you die and what you thought
Speaker 2: you did didn't work and they find a mistake on it,
Speaker 2: and then it's hell to pay for your heirs to
Speaker 2: try to correct it.
Speaker 19: So where do I find a site that I can
Speaker 19: create a new deed?
Speaker 8: Oh?
Speaker 2: Wait, oh, oh, that part is different. I told you
Speaker 2: how to find the legal So where does he go?
Speaker 2: You just download a quit claim deed and fill it out.
Speaker 6: Well, like I said, i'd probably a corrective deed at
Speaker 6: this point correct a previous.
Speaker 7: So it's not just another quick claim.
Speaker 6: Yeah, I mean you're asking for legal advice.
Speaker 2: Yeah, yeah, you need to. You're okay, Look, the correct
Speaker 2: the original quit claim would have been easier for you
Speaker 2: to do on your own. I would not attempt to
Speaker 2: do the corrective deed. That's that's my advice.
Speaker 7: Okay.
Speaker 2: So I imagine you can find someone to tell you
Speaker 2: we don't feel comfortable with that. If you need to
Speaker 2: do a corrective deed and and you're sure it's not
Speaker 2: just you can't adent.
Speaker 7: You can't amend, you can't do anything. It has to
Speaker 7: be a corrective deed.
Speaker 2: So in a in a chain of title, you could
Speaker 2: theoretically have a number of errors and it's just it
Speaker 2: doesn't go away.
Speaker 7: It's just the subsequent deed corrects it.
Speaker 6: Yeah, eventually a title company is going to figure it
Speaker 6: out and be like, well, who's going to fix this?
Speaker 6: So you want to get it fixed, and.
Speaker 2: Now sometimes title companies will do that for you.
Speaker 6: Yeah, you can talk to a title company too, but
Speaker 6: uh yeah, I mean somebody needs to look at the
Speaker 6: notification you got from the assessor's office and then correct.
Speaker 6: If you're recorded, look at the previous deed and then correct. Look,
Speaker 6: give you advice based on the paperwork, like yeah, because
Speaker 6: usually when people are telling me stuff, they're they're getting
Speaker 6: it wrong.
Speaker 2: I think Terry, in your quest to save money, I
Speaker 2: think you cost yourself a little money at this point
Speaker 2: because you're gonna have to get someone to do it.
Speaker 2: Three oh three seven one three talks seven one three
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Speaker 2: three oh three seven seven to one. Help You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: real estate man dot Com your home with Remax Alliance
Speaker 2: three all three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martino here three all three seven one three talks
Speaker 2: seven one three eight two five to five. All right, So,
Speaker 2: Dan McKenzie, we have someone else who wants to know
Speaker 2: about uh deading and stuff. So is the best way
Speaker 2: when you have a trust to deed with quit claim
Speaker 2: deeds into the trust or what other way would you
Speaker 2: do it?
Speaker 7: So, there's lots of different kinds of deeds.
Speaker 6: You've got quit claim deeds, you got warranty deeds, you
Speaker 6: got bargain and sale deeds. I mean these are it's
Speaker 6: kind of a question that I have to defer review
Speaker 6: when we're doing deeds to trust in our law firm.
Speaker 7: So it's not a standard answer. I mean, if you preciate,
Speaker 7: you don't do a general warranty deed, right, Okay?
Speaker 6: Yeah, because you know the issue with a warranty deeder
Speaker 6: saying I warrant the title is good.
Speaker 2: And the concern is that would you buy title insurance
Speaker 2: for yourself, your own trust?
Speaker 7: That's the thing.
Speaker 6: It's like, if the trust gets sued because of a
Speaker 6: defect in title and it doesn't have the title insurance,
Speaker 6: you're going to go back to the previous owner. Well,
Speaker 6: who's that?
Speaker 7: It's me and I have a title.
Speaker 2: So there is some wisdom for the trust getting title
Speaker 2: insurance and a warranty deed.
Speaker 6: You know, the title insurance I don't necessarily think you
Speaker 6: need because you have Okay, you have the previous you're
Speaker 6: the previous owner.
Speaker 2: But a warranty deed is it cleaner than a quick claim?
Speaker 2: Is it stronger?
Speaker 7: It's stronger.
Speaker 6: It's I think there's a there's a concern among lawyers
Speaker 6: in Colorado that using a quick claim deed will sever
Speaker 6: that title insurance and actually using a warranty.
Speaker 7: Deed will maintain it. Okay, that's very yeah.
Speaker 6: Yeah, So again I just tell people like, just you know,
Speaker 6: this is not usually a huge expense to pay a
Speaker 6: lawyer to do a deed for you or a title company.
Speaker 6: And we see people do their deeds all the all
Speaker 6: the time, and they make mistakes and as you just mentioned,
Speaker 6: it might not surface for decades.
Speaker 7: Right, We've got a probate.
Speaker 6: Going on that the person died in nineteen ninety two
Speaker 6: and their family company with indeed and the people who
Speaker 6: executed that deed had no court authority to do so,
Speaker 6: and they just thought they could do it because they
Speaker 6: were the person's kids. And now here it is thirty
Speaker 6: two years later and somebody's trying to finally sell that property.
Speaker 7: Entitled company is saying, well, who is this?
Speaker 6: Who are their errors? We're having to chase people around
Speaker 6: the entire country, some of whom are in like care facilities,
Speaker 6: you know, and get their sign off.
Speaker 2: Wow, this is bad. By the way, Dan McKenzie is
Speaker 2: our guest today, McKenzie Law State Planning, and his number
Speaker 2: is so good it sounds like he's not here, but
Speaker 2: he is live and local eight three three COO Plans.
Speaker 7: It's not some big national firm.
Speaker 2: He's a local firm that takes care of you one
Speaker 2: on one eight three three COO Plans. We've got more
Speaker 2: coming up on the Troubleshooter Show three oh three seven
Speaker 2: to one three Talk or three oh three Martino, get
Speaker 2: your calls in now go with a sure thing Denver's
Speaker 2: Best roofer Excel Roofing dot com. You don't pay a
Speaker 2: cent until you're content. Plea time for an insurance check
Speaker 2: up free no obligation comparison call Compass Insurance paying too
Speaker 2: much your coverage at dozens of insurance companies find out
Speaker 2: now three oh three seven seven to one help. You'll
Speaker 2: think you're his only customer when you choose Frank durand
Speaker 2: the real estate Man dot com to list your home
Speaker 2: with Remax Alliance three oh three nine two zero sixteen
Speaker 2: twenty two.
Speaker 1: Ripped you needed? That's who you don't have? Run anxious
Speaker 1: as the cad Shooter's gonna help.
Speaker 5: Come Dix is the Troubleshooter Show Now Tom Martino.
Speaker 7: Hey, welcome to the show.
Speaker 2: I'm Tom Martino. Thanks for being here. We are solving problems,
Speaker 2: answering questions, taking complaints, make your life a little easier,
Speaker 2: and we are working on problems behind the scenes on phones.
Speaker 2: You give us a call, we will help you. All
Speaker 2: you have to do is call me. This hour brought
Speaker 2: to you by Wave eight Wealth Management. Yes, my very
Speaker 2: own company. So I do want to make that disclaimer.
Speaker 2: One hundred percent of my investable funds are there, and
Speaker 2: that is my pledge to. I started a financial advisement
Speaker 2: company because I believe the industry basically needs some help. Okay,
Speaker 2: so I'm not kidding three or three seven seven one
Speaker 2: help seven seven one four three five seven.
Speaker 7: My pledge. I founded this for myself. It was selfish.
Speaker 2: After years and years of doing it, I decided to
Speaker 2: make it public and do official registration with the state
Speaker 2: and with Securities Division, and also I started a private
Speaker 2: fund as well. And it's all because I wanted to
Speaker 2: do it for myself. Most of the industry does not
Speaker 2: actually invest your money. They counsel you and place it
Speaker 2: with other dealers and brokers and make a spread their
Speaker 2: relationship managers.
Speaker 7: I'm not criticizing it.
Speaker 2: People love your financial advisor, fine, but they're like a
Speaker 2: remax broker.
Speaker 7: They're there, they make money in between.
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Speaker 2: my money is in this company, and one hundred percent
Speaker 2: of everyone in the company has their money in it.
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Speaker 2: therefore this is my company. Just I want to make
Speaker 2: that very clear. So I will make money on it.
Speaker 2: We make fees, but uh, I want you to check
Speaker 2: it out. Wave Eightwealthmanagement dot com. The shortcut is W
Speaker 2: eight WM dot com W eight WM Wave eight Wealth
Speaker 2: Management and the numbers three oh three seven seven one
Speaker 2: help seven seven one four three five seven. This is
Speaker 2: me personally. I did this. You know the time I
Speaker 2: did something like this years ago, I started a phone
Speaker 2: company because I was pissed off at the phone company.
Speaker 7: And I started I remember that for.
Speaker 2: Thirty two grand and then I brought an investor for
Speaker 2: sixty and this was years ago, and then we sold
Speaker 2: it to I think I can tell it wasn't a
Speaker 2: non disclosure. We sold it to Dish I believe for
Speaker 2: like eight million, eight to ten million or something. That
Speaker 2: was years ago. I started was called a Sea Leck
Speaker 2: and it was called Liberty Bell. And the reason I
Speaker 2: did it is because I was pissed off at.
Speaker 7: The phone company.
Speaker 2: Now I'm starting this company because I was pissed off
Speaker 2: at the financial planning and this excuse me financial you know,
Speaker 2: the investment advisement industry.
Speaker 7: I'm not pissed off at people. There are a lot
Speaker 7: of good people in it now.
Speaker 2: One thing I will tell you going through the process,
Speaker 2: Thank god, I will say that the State Securities Division
Speaker 2: and the sec and all of those people since this
Speaker 2: made off thing. I don't mean just since then, but
Speaker 2: they do a great job screening people and you can
Speaker 2: feel safe. And that's one thing I feel good about
Speaker 2: about the industry in general. They're really really watchdog in
Speaker 2: it for you. Anyway, a Deputy Bow has a follow
Speaker 2: up or no, he has a question, I'm sorry, Deputy Bout,
Speaker 2: you have a question for Dan mackenzie. So let's go
Speaker 2: to the wide shot here. Okay, go ahead, Bo, Dan's listening.
Speaker 4: Hey Dan, I have a question on I'd like to
Speaker 4: know the difference of an addendum and a conticel that
Speaker 4: she use after a will or trust is done. Are
Speaker 4: they synonymous or are they different?
Speaker 2: Just like that's a good question, Bo. I've heard of
Speaker 2: that term cottaicil and amendments. Are they the one and
Speaker 2: the same?
Speaker 13: Uh?
Speaker 6: Well, cota sill usually is an amendment to a will,
Speaker 6: and addendum is like an addition to it.
Speaker 7: Either way, whether it's regards to which one it is.
Speaker 6: It has to be executed with the same formality as
Speaker 6: the will itself, So if you're doing that, you do
Speaker 6: have to have you know, the Gold standards have two
Speaker 6: witnesses and a notary. The statue in Colorado does let
Speaker 6: you do one or the other, but you know, we
Speaker 6: usually do both just to make sure. But if you're
Speaker 6: going to do a codicil or an addendum, usually you
Speaker 6: should do that. Make sure it's very clear that you're
Speaker 6: making an amendment or an addendum to the previous will,
Speaker 6: and so that it's you know, make sure it doesn't
Speaker 6: if there's a conflict which one which one has priority.
Speaker 6: So there's there's a few things to be careful about there,
Speaker 6: but the primary thing is you got to make sure
Speaker 6: that it's the same formality as the will.
Speaker 4: Shows an addendum and the concil synonymous, Are they basically
Speaker 4: the same?
Speaker 7: I don't think so.
Speaker 6: I mean, when I hear those terms, I would say
Speaker 6: codicil is amending terms in the will. So if your
Speaker 6: will said leave everything the Bob, you might have the
Speaker 6: castile let's says leave everything to Steve, like you're changing
Speaker 6: that term.
Speaker 2: And an amendment is an addition, like hey, I also
Speaker 2: so have this adm or you just.
Speaker 7: Bought something new and you want to leave your boat
Speaker 7: to somebody.
Speaker 6: Yeah, I mean then you know, and then them to
Speaker 6: say yes.
Speaker 7: Now, I'm see I see the difference.
Speaker 2: But it seems to me if I had a will
Speaker 2: and I was leaving everything to Bow or a lot
Speaker 2: to Bow, and now I want to leave it to
Speaker 2: Dmitri part of it, I wouldn't want to do a condosil.
Speaker 7: I would because cells are like.
Speaker 6: From the days when we had typewriters and it was hard,
Speaker 6: That's right, the whole thing.
Speaker 2: I would just I would just redo it, right, yeah,
Speaker 2: because why would you ever do that and leave it
Speaker 2: open for well he wait a minute, you know I
Speaker 2: was on there first, right.
Speaker 6: Amendments are always hard to deal with, like a contract
Speaker 6: or whatever else. It's like, you know, okay, which paragraph
Speaker 6: is this a ending? And which part is amending? Which
Speaker 6: part isn't? Is this the harder?
Speaker 7: Yeah?
Speaker 2: Bo, Why wouldn't someone just take it away and put
Speaker 2: a new one in and you can say this is
Speaker 2: a new will and testament that supersedes any other ones, right, yeah.
Speaker 4: Well you're adding to the will, whereas a consasole, you're
Speaker 4: changing something in the else.
Speaker 7: That's how I interpret that.
Speaker 2: Yeah, that's exactly right, that's exactly right.
Speaker 4: And that dum is an addition to the will, and
Speaker 4: a condaicel is a change to the will.
Speaker 2: Yeah, and we don't recommend or I'm not giving you
Speaker 2: legal advice, but Dan says it's easier just to redo
Speaker 2: a will than to do a conda. Still, so you
Speaker 2: leave everything clear in the meaning, no misinterpretations.
Speaker 4: Okay, can you get by with one witness.
Speaker 8: Or do you need two?
Speaker 6: I mean, the statue says you don't need any if
Speaker 6: you have a notary. When we execute wills, we do both.
Speaker 6: We have two witnesses and a notary because it's one
Speaker 6: or the other in the statute. But I've heard, like
Speaker 6: the Denver Probate Court, for example, isn't really honoring that.
Speaker 6: They're saying we want both. That was the traditional rule,
Speaker 6: but at some point the statues in Colorado said it's
Speaker 6: one or the other. So one witness is actually one
Speaker 6: more than you need, but one less than I would recommend.
Speaker 4: Okay. And then I have a question on a trust.
Speaker 4: So if I were to pass away, a trust goes
Speaker 4: to the trustee, how does the trustee get the legal
Speaker 4: power to like go around and change bank accounts, like
Speaker 4: for example, on a will, you go to a probate
Speaker 4: and the court issues I think a letter of testametertery,
Speaker 4: which is the power to But how's that done with
Speaker 4: the trust because you said in your conversations that you
Speaker 4: do not have to go to court.
Speaker 6: If you have a living trust right, Yeah, the trustee.
Speaker 6: So there is something called the Uniform Trust Code in
Speaker 6: Colorado that was enacted several years ago, and it has
Speaker 6: the rules about how the trustee accepts the job.
Speaker 7: Lets people know that they're accepting the job.
Speaker 6: And so you've got to send out notice to the
Speaker 6: beneficiars of the trust that you were nominated to this job,
Speaker 6: you're accepting the position, and you are you know where
Speaker 6: to contact you so they know where to go. And
Speaker 6: then you have to provide you know, a inventory and
Speaker 6: accounting and all that kind of stuff to those people
Speaker 6: and the parts of the trust that concern them. And
Speaker 6: then you just do an affi David saying, I swear
Speaker 6: under oath that the person who created this trust has
Speaker 6: passed away. They named me, they'd be their trust d
Speaker 6: I am accepted that job, and that's what they show
Speaker 6: to the bank.
Speaker 7: So there is some.
Speaker 6: Documentation to do that probably sounded like a lot. Most
Speaker 6: of those documents are pretty simple and you just do
Speaker 6: them on your own.
Speaker 8: Okay, you have to go to court, you do not
Speaker 8: have to get.
Speaker 6: A court authorization now, so bo, I'm going to give
Speaker 6: you the proper spelling of my name for your will.
Speaker 7: Thank you, Thank you boy.
Speaker 2: Right hey, listen, Okay, So we have more coming up
Speaker 2: on the Troubleshooter Show. Deputy d I heard he called
Speaker 2: that dealer in Greeley. That's an interesting case. Well, we'll
Speaker 2: get an update on that and more coming up on
Speaker 2: the Troubleshooter Show. Go with a sure Thing Denver's Best
Speaker 2: Roofer Excel Roofing dot com. You don't pay a cent
Speaker 2: until you're content. Time for an insurance check up free,
Speaker 2: no obligation. In comparison, call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three all three seven seven to one help. You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: Real estate Man dot com to list your home with
Speaker 2: Remax Alliance three all three nine two zero sixteen twenty
Speaker 2: two Hey, Tom Marksino here three oh three seven one
Speaker 2: three talk three all three seven one three eight two
Speaker 2: five five. Welcome to the show. Let's uh talk to
Speaker 2: you about your problems, questions and complaints. I'm going to
Speaker 2: go to my friend here. Let's see where is it
Speaker 2: air we go? Let me just bring them up. Pat,
Speaker 2: are you there?
Speaker 16: Sir?
Speaker 2: Yes?
Speaker 19: Sir?
Speaker 2: Okay?
Speaker 16: Pat?
Speaker 2: Good? Well in between calls here again, callers get priority here.
Speaker 2: I want to talk about the stock market. Pat Jolliffe
Speaker 2: is my chief compliance officer and an investment counselor an
Speaker 2: investment advisor, and he's with Wave eight Wealth Management that
Speaker 2: we unveiled today and let people know about. Although Pat,
Speaker 2: we've been working together for many, many years. I already
Speaker 2: explained that how we started this whole thing, and and
Speaker 2: also that one of our own money is in it,
Speaker 2: we are not. Unfortunately that's not the case with a
Speaker 2: lot of companies. They they do a lot of talking,
Speaker 2: but they don't do a lot of walking. And I
Speaker 2: want to talk about the market. What the hell's going on?
Speaker 2: I hear it's up, I hear it's down. I hear
Speaker 2: it's up, I hear it's down.
Speaker 16: So what is it?
Speaker 7: I mean truly, what is it? What's driving it is?
Speaker 2: Is it the economy? I don't see it as now
Speaker 2: now our our Ai I told them about our Ai
Speaker 2: our Ai saying, you know, go here, go here, go here,
Speaker 2: and it's been pretty accurate. But what is causing this
Speaker 2: erratic movement? Is it the news about elections or is
Speaker 2: this common around election day? What?
Speaker 16: Well?
Speaker 12: I referred to it as headline risk, Tom, excuse me.
Speaker 12: And I think people are very emotional right now, certainly
Speaker 12: with what's going on with the election, but also with
Speaker 12: going on in the Middle East. And you know, you
Speaker 12: couple that with the other part of the things that
Speaker 12: people don't necessarily consider, as the fact that there's large
Speaker 12: pensions out there that are managing money that have future
Speaker 12: liabilities that they need to be able to meet, and
Speaker 12: the only way that they can do that is to
Speaker 12: funnel money into the markets in hopes of giving a
Speaker 12: return and access what that liability is going to be.
Speaker 12: And so, you know, people can only or institutions can
Speaker 12: only take a cash position for so long before they
Speaker 12: have to put that money to work.
Speaker 2: So when the money goes back into the market, is
Speaker 2: that good for the market? When they start coming from
Speaker 2: cash back into the market or does it create more volatility.
Speaker 12: Well, it's good for the market and the fact that
Speaker 12: it's going to drive pricing up so to the extent
Speaker 12: that you can find the opportunity and have an understanding
Speaker 12: where that flow is going to be. It's all about
Speaker 12: cash velocity. It's both from the investor and then it's
Speaker 12: also FED policy. You know, people think a lot of
Speaker 12: times it's more about the administration that's going to affect
Speaker 12: the direction of the market, but it's really about FED
Speaker 12: policy because they control the velocity of the money and
Speaker 12: the capital into the marketplace. And so obviously, having come
Speaker 12: out of a period of time when interest rates and
Speaker 12: the cost of money has been so high, we've had
Speaker 12: a dramatic decrease in the flow of just consumer capital
Speaker 12: flowing into the markets because it's been so costly. And
Speaker 12: now we're starting to see that come down, and so
Speaker 12: the cost comes down, you're going to see more capital
Speaker 12: flows in the markets as well.
Speaker 2: Yeah, and I want to explain that pack because I
Speaker 2: think it's important that people know that in order to
Speaker 2: understand that the correlation between interest and the market. What
Speaker 2: Pat was talking about is if you can make really
Speaker 2: good money with a normal savings account for goodness sakes,
Speaker 2: or a T bill. I think I was making six
Speaker 2: and a half percent for a while there, pat just
Speaker 2: letting it sit in treasury bills six and a half percent.
Speaker 2: So if you can make a relatively safe, risk free
Speaker 2: money in some of these online banks and T bills
Speaker 2: and different things, you tend to take it out of
Speaker 2: the market. You go into those safety things, and that
Speaker 2: causes the market to go down a bit, right, correct.
Speaker 12: And it's also in the converse. It's it's difficult on
Speaker 12: housing starts, right, because then you look at the cost
Speaker 12: of the money to go get a loan and get
Speaker 12: a home or refinance or anything like that. So it
Speaker 12: locks up the flow of capital that way. But as
Speaker 12: you've said, for a long time, it's been extremely difficult
Speaker 12: or more difficult to extract income out for particularly retired
Speaker 12: people and keep it in an environment where it's not
Speaker 12: extremely volatile because interst rates have been historically so low.
Speaker 12: So it's been a long time since we've been able
Speaker 12: to go to banks and CDs and things that mistrams
Speaker 12: actually gave a decent yield. So that's been nice, but
Speaker 12: we're going to see that start to flip and as
Speaker 12: you know, not to get too far into the weeds,
Speaker 12: but there's a you know, converse correlation between its interest rates.
Speaker 12: It's in the price of securities in the marketplace, particly
Speaker 12: with fixed income investments. People have a tendency and I
Speaker 12: think they're told this and it's incorrect, that there's no
Speaker 12: risk in bonds, and that's not true. There's a there's
Speaker 12: an inverse correlation between the face value of a bond
Speaker 12: that's trading in the marketplace versus what interest.
Speaker 7: Rates at the bank or that's right, that's right.
Speaker 2: I did say risk for it, and it's really not
Speaker 2: risk for you, because you have the risk of purchasing
Speaker 2: at the wrong time. You have the risk of having
Speaker 2: your money tied up and losing.
Speaker 7: Growing power.
Speaker 12: Well precisely, and to the extent, if you're holding a
Speaker 12: bond that's paying say five percent, and all of it,
Speaker 12: and you paid some sort of a premium for that bond,
Speaker 12: and all of a sudden the interest rates and the
Speaker 12: savings accounts go to six percent, what's going to happen
Speaker 12: to the face value of that bond in the marketplace.
Speaker 12: Nobody wants to buy your bond that's paying five to
Speaker 12: May go put it in a savings account and get
Speaker 12: six and so you have volatility on the downside. Now,
Speaker 12: when you hold bonds to maturity, typically you're removing that
Speaker 12: market and interstrate risk when you do that. But there's
Speaker 12: you know, it's part of why we do what we
Speaker 12: do is we kind of get into the weeds of
Speaker 12: help us understand what it is you're trying to accomplish,
Speaker 12: and then we can look at all of these different instruments.
Speaker 12: We can take the specifics of those and say we
Speaker 12: take this is going to work well, and here's why
Speaker 12: because of the environment we're facing today.
Speaker 2: So Pat, thank you, thank you for being part of it.
Speaker 2: And again we all know how long we've been doing
Speaker 2: this and and and it's finally official that we can
Speaker 2: be public and we can we can talk to people.
Speaker 2: And I want to mention, in addition to individual counseling,
Speaker 2: one thing that Pat mentioned that's really important. If you
Speaker 2: have any kind of a four oh one K for
Speaker 2: your company or retirement plan, here's something that people do.
Speaker 2: They set it and forget it. They set these things
Speaker 2: up with administrators and never give a thought to the
Speaker 2: fees they're paying, because all they want to do is
Speaker 2: have it for their employees, and they automatically assume that
Speaker 2: all fees are the same, and they're not. If you
Speaker 2: have a four oh one K in a business right now,
Speaker 2: I'm not talking about a recipient of a four to
Speaker 2: one K, But if you're business owner and you set
Speaker 2: up a fourroh one K or any kind of a
Speaker 2: retirement plan, you can't assume that you're getting great rates
Speaker 2: from the administrator. So that's money coming out of your pocket.
Speaker 2: And we'll do a free review of that, because truly,
Speaker 2: it's something a lot of companies never think about, don't
Speaker 2: you think, Pat, They never think about.
Speaker 12: Oh, absolutely. And the bigger thing that they don't think
Speaker 12: about and probably don't realize, is that they, as an
Speaker 12: employer providing a retirement plan for their employees, they have
Speaker 12: a fiduciary responsibility to their employees and so you need
Speaker 12: to make sure that you're complying with what those fiduciary
Speaker 12: responsibilities are. And if you're not sure what they are,
Speaker 12: then let us know and we can help you understand.
Speaker 2: Free free reviews complementary and by the way, it's three
Speaker 2: O three seven seven to one help seven seven one
Speaker 2: four three five seven. Thank you, Pat. Appreciate. I got
Speaker 2: to go to this call now and that's again three
Speaker 2: O three seven seven one help and it's W eight
Speaker 2: WM dot com or Wave eight Wealth Management dot com. Charles,
Speaker 2: what is going on with this contractor? What's happening? Charles? Welcome?
Speaker 8: Hey Tom?
Speaker 7: How you doing good man?
Speaker 2: What's happening?
Speaker 16: Well, basically, a contractor pretty much was going around when
Speaker 16: everything when all the roofs were being done, and he
Speaker 16: left his card in the whole bit and we talked.
Speaker 16: He wanted to see what the insurance would pay, like
Speaker 16: everybody else.
Speaker 2: Well, no, actually that's the wrong kind of contractor to
Speaker 2: see what insurance will pay. A contractor should give you
Speaker 2: a complete and detailed estimate of what work's going to
Speaker 2: be done, put it in writing, and then you talk
Speaker 2: to your insurance about what we'll pay. But anyway, keep
Speaker 2: going because here's why a lot of times contractors will
Speaker 2: make their price match what you're gonna get paid.
Speaker 16: Okay, correct, And that's what I thought.
Speaker 2: And that can be by the way, that can be
Speaker 2: good or bad. Think about this, If the insurance is
Speaker 2: not paying that much, right and the and the contractor
Speaker 2: sees that before giving you a bid, he might give
Speaker 2: you a lower bid and leave out some important stuff
Speaker 2: that you should have because he wants to get the
Speaker 2: insurance job, or the other way around. If the insurance
Speaker 2: is paying a lot of money and and he was
Speaker 2: going to charge you less, he may increase the price
Speaker 2: just because. Okay, So what happened then?
Speaker 16: Okay?
Speaker 7: So basically did you hire him?
Speaker 16: I was basically waiting for him to give me an
Speaker 16: invoice and everything. He never gave me an invoice. I
Speaker 16: never signed anything. I'm at work. My wife calls me and.
Speaker 2: That you have never signed anything with this contractor did
Speaker 2: he do your roof?
Speaker 16: There was shingles that showed up on our driveway. I'm
Speaker 16: at work.
Speaker 8: Okay.
Speaker 16: Three days later, his guys come take off the old
Speaker 16: roop and put the new roof on.
Speaker 2: What wait wait, you never signed up with this guy ever?
Speaker 16: Correct?
Speaker 2: He came to your door and he wanted to talk
Speaker 2: to you about it, and you never signed Did he
Speaker 2: say this tricky thing like, hey, just sign this so
Speaker 2: we can look at your roof?
Speaker 16: I never signed anything.
Speaker 2: He's okay, gotcha, I believe you. But but so he
Speaker 2: was knocking at your door and and did he give
Speaker 2: you ahead?
Speaker 16: I didn't say he knocked at our door. He's a
Speaker 16: contactor that our neighbor uses a lot.
Speaker 2: Got it?
Speaker 7: Okay?
Speaker 2: Did he.
Speaker 16: Since everybody else was getting their roofs done and everything?
Speaker 16: He figured, Well, he asked me, did you sign up
Speaker 16: with any contractor yet? And I said no, I didn't
Speaker 16: sign up with anybody.
Speaker 7: Did he give you an estimate?
Speaker 2: No?
Speaker 15: What?
Speaker 3: Why?
Speaker 16: That's why I'm calling you because.
Speaker 2: Okay, so tell me what happened next?
Speaker 15: Is?
Speaker 2: What happened next is in a day he replaced the
Speaker 2: roof without you telling you.
Speaker 16: Basically a day and a half. Okay, he replaced He
Speaker 16: replaced the roof because I told him I had a
Speaker 16: timely when I hire a contractor, I have a timeline
Speaker 16: that I have to work with. He says, well, that's
Speaker 16: going to fit right in with doing your neighbor. So
Speaker 16: he was going to do in the neighbor's roof, and
Speaker 16: then he understood that he would probably wind up doing
Speaker 16: our roof if he gave me an estimate. He never
Speaker 16: gave me an estimate.
Speaker 2: I get it. So you never hired the damn guy
Speaker 2: technically correct? Okay, now, so he just talked to you.
Speaker 2: He replaced Rufe. But I have an obvious question. When
Speaker 2: you saw the work starting, why didn't you or your
Speaker 2: wife go out and say, wait a minute, wait a minute,
Speaker 2: we don't have a contract.
Speaker 16: He wasn't there, His ohs were there to speak that
Speaker 16: don't speak English?
Speaker 2: Is that what you were wondering? D Why they didn't
Speaker 2: go out and talk to him?
Speaker 7: Yeah? Did he try to stop them?
Speaker 2: Did? He just said they were of Spanish speaking Crewe?
Speaker 7: I assume correct.
Speaker 2: Okay, so then what happened? Keep going?
Speaker 16: Okay, so they replace the roof and everything. Now I
Speaker 16: asked him, I says, well, what's going on? I still
Speaker 16: don't have an invoice of what all this is gonna cost. Well,
Speaker 16: you know, I think we'll probably just go with what
Speaker 16: the insurance settles with you.
Speaker 2: Oh no, no, no, no, no no, Look at you
Speaker 2: never got a contract. That's against Colorado law that you
Speaker 2: have to have a state approof contract.
Speaker 16: Correct.
Speaker 2: What's the next? Can I can you tell me the
Speaker 2: name of the company?
Speaker 16: I could, but I'd rather do it off the error.
Speaker 2: Okay, that's fine, I want to I want hey, bo,
Speaker 2: I want you to get on this case.
Speaker 7: Man, do you know if he got a permit for that?
Speaker 8: Did he even pull a permit for your house.
Speaker 16: Oh bo, you're gonna love this. He showed up a
Speaker 16: week after I got back in town. He took me
Speaker 16: and my neighbor down to the city and had us
Speaker 16: pull the permits as homeowners?
Speaker 2: Are you giving a kind of tacit approval by going
Speaker 2: along with all of this?
Speaker 7: You think?
Speaker 2: I still don't think he can nail you for it,
Speaker 2: but it's kind of weird that you would go down
Speaker 2: and get a permit and say, look sir, that's up
Speaker 2: to that's your problem.
Speaker 16: Now, Well, the work was already done before he took
Speaker 16: us down there, and to get the permits. That's the thing.
Speaker 7: Does he have a license in your jurisdiction?
Speaker 16: He That's the other thing. He was using another contract.
Speaker 2: Okay, man, Charles, you tell us hold on, we got
Speaker 2: to take this break. Just hold on because I got
Speaker 2: to figure out what do you want us to do.
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Speaker 2: sixteen twenty two. Hey Tom Martino here three three seven
Speaker 2: one three talks seven one three eight two five High Charles,
Speaker 2: we were talking about a legal principle we want to
Speaker 2: talk to you about, but first I want to ask
Speaker 2: you what do you want? This is what Charles called
Speaker 2: in about. He said, a guy came over, a contractor
Speaker 2: was doing some roofs in the neighborhood, came over to
Speaker 2: talk to him about his roof. They discussed it a bit,
Speaker 2: but Charles never signed anything. All of a sudden, materials
Speaker 2: show up at his door or at his house, and
Speaker 2: then the guy replaces the roof in a day and
Speaker 2: a half for two days. And now he finds out
Speaker 2: the contractor doesn't have a license. He finds out the
Speaker 2: contractor wanted him to pull a permit, so he went
Speaker 2: after the fact and pulled the permit. It was after
Speaker 2: the fact that you pulled the permit, right, Charles?
Speaker 16: Correct?
Speaker 2: Okay, as a homeowner. Now here's what I want to know.
Speaker 2: I mean, not want to know, I want to Yeah,
Speaker 2: I do want to know. First, and then then Dan McKenzie,
Speaker 2: attorney at law, here who's who's of course, the state planning,
Speaker 2: he had some legal observations. But I want to ask
Speaker 2: you what do you want?
Speaker 16: Basically, I want to make sure he can't put a
Speaker 16: lean on my house and try to make me pay
Speaker 16: whatever else the insurance is going to pay.
Speaker 7: Okay, Now let me ask you something. Do you want
Speaker 7: to pay him anything?
Speaker 16: I already paid him part?
Speaker 2: Well wait a minute, what did you pay him? What
Speaker 2: did you pay him?
Speaker 7: Okay?
Speaker 16: I figured it first. You know from listening to your
Speaker 16: show and everything. When materials show up on the driveway,
Speaker 16: then you're pretty much stuck with the contractor. I never
Speaker 16: ordered the materials.
Speaker 2: Okay, I get it ordered.
Speaker 7: But how much did you pay him?
Speaker 2: So far?
Speaker 16: About eleven thousand?
Speaker 2: What do you think that roof is going to come
Speaker 2: out to from your insurance?
Speaker 16: I already know what the roof came out.
Speaker 8: Well, what is it?
Speaker 2: What is it? That's roughly fifteen okay, so basically just
Speaker 2: four more.
Speaker 16: Basically four more, but including that is personal property and
Speaker 16: everything that was damaged in the haill.
Speaker 2: Okay, I'm gonna I want to explain a few things
Speaker 2: to you. First of all, what the insurance pays you
Speaker 2: and what he charges you should have no correlation at all.
Speaker 7: Okay, correct?
Speaker 2: What? Okay?
Speaker 7: Yeah, but we do want to talk about a few things.
Speaker 2: The fact that you didn't sign anything in this particular
Speaker 2: case doesn't mean much. And I'm going to tell you why.
Speaker 2: Dan mackenzie told us about a principle in the law
Speaker 2: called latches. Okay, now what is what does that mean? Latches? Dan?
Speaker 2: Explain him? Dan explain? You're an attorney, explained latches to us.
Speaker 6: Yeah, i's if you're watching somebody do work and thinking
Speaker 6: that you might benefit from it, to knowing that you
Speaker 6: haven't the contract agree to it, but you're pretty happy
Speaker 6: to see this work happening. You can't then later say
Speaker 6: I didn't and I didn't you know, Yeah, I never
Speaker 6: agreed to pay for it, so I'm not paying for it.
Speaker 2: Now. Would quantum marrow it come into it as well?
Speaker 2: Which is which is quantum marrow? It means you got
Speaker 2: a quality, you got a value. Okay, now here's the thing, Charles,
Speaker 2: listen carefully what that means is this. Let's say that
Speaker 2: a roofer was supposed to do your neighbor's house and
Speaker 2: got the address mixed up and came to your house
Speaker 2: and you thought to yourself, hmm, they're doing my roof
Speaker 2: and you just watched them. That would be latches. So
Speaker 2: it's almost latches in this case where the guy talked
Speaker 2: to you, the guy you know delivered materials, the guy
Speaker 2: did the roof, and you didn't stop them, and and
Speaker 2: and what do you let it go?
Speaker 16: But the thing is I wasn't there to stop them.
Speaker 16: I was at work.
Speaker 2: I show you your wife. Your wife was there, Okay.
Speaker 2: You said it took two days? Were you at were
Speaker 2: you at work for two Were you absent from your
Speaker 2: house in two days?
Speaker 16: I'm an over to road truck driver.
Speaker 2: Okay? Okay? Were you absent the entire time your roof
Speaker 2: was being replaced?
Speaker 7: I'm just asking that, not the whole time?
Speaker 16: No, I was there the last day, okay.
Speaker 2: And when he talked to you about materials, you said,
Speaker 2: when the materials were delivered, you thought you were stuck,
Speaker 2: and you paid them eleven grand?
Speaker 8: Correct?
Speaker 2: The thing is he never well, he's okay, you paid
Speaker 2: him before they started the roof, when the materials were delivered.
Speaker 16: No, no, I paid them after everything.
Speaker 2: Oh okay, so when it was all done, you paid
Speaker 2: eleven grand.
Speaker 16: No a week after that? Yeah, basically, yeah.
Speaker 2: That's okay. So we're really you're doing the right thing
Speaker 2: in paying him. The question is how much do you
Speaker 2: pay him? And as I told you, what the insurance
Speaker 2: here's his problem, Dan, help me on this. His problem
Speaker 2: is the roofers problem is he doesn't get paid just
Speaker 2: anything he wants either. At the same time, there has
Speaker 2: to be a fair price. I mean, in other words,
Speaker 2: what if the roofer says you owe me fifty grand?
Speaker 2: I mean, what if the roofer says you owe me
Speaker 2: one hundred and fifty grand? I mean, you just can't
Speaker 2: do work and get so there has to be this
Speaker 2: fair value. And it can't just be what the insurance
Speaker 2: settlement is, because that doesn't always dictate what the roof is.
Speaker 2: Does your insurance settlement break out the roof and break out.
Speaker 7: The personal property? Yes it does, Okay, then.
Speaker 2: Tell me how much of the actual insurance settlement is
Speaker 2: dedicated to the roof.
Speaker 16: I wish I had the thing in front of me,
Speaker 16: just roughly, just roughly about twelve.
Speaker 2: Okay, so you're willing to pay him the section of
Speaker 2: the insurance settlement dedicated to the roof. Correct.
Speaker 16: But my thing is, I don't know how much the
Speaker 16: materials actually cost because the difference is there's been contractors
Speaker 16: that go and buy substantial material so they could save
Speaker 16: money and keep that.
Speaker 2: Wait wait, wait, wait, you're saying substandard not substantial, substandard material.
Speaker 16: I mean, I mean, like we wanted high end shingles
Speaker 16: and they'll go and buy a lower one, same color,
Speaker 16: trying to pass off.
Speaker 2: Okay, it's way it's way too late for you to
Speaker 2: make that argument. Now listen, you can do anything. You
Speaker 2: can do anything you want. But I'm going to tell you,
Speaker 2: and this is not legal advice. I'm just going to
Speaker 2: tell you the practical stuff here. You will get a
Speaker 2: lean on your house if you don't pay a fair
Speaker 2: price for that roof. And the fair price could be
Speaker 2: argued that it's what the insurance company speck doubt, and
Speaker 2: I promise you the insurance company did not speck out
Speaker 2: the best roof on the market, nor did they speck
Speaker 2: out the worst roof on the market. So they specked
Speaker 2: out whatever roof you had, and that's probably what you got. Now,
Speaker 2: if you're suspecting he bought cheaper roof than what was
Speaker 2: on there before. If that's what you're suspecting, you're going
Speaker 2: to have to prove it. You're going to have to
Speaker 2: get an expert out there to literally price the material
Speaker 2: compared to the previous material. But then you have to
Speaker 2: take into consideration today's prices for that material. I would
Speaker 2: say it's too much brain damage over one thousand dollars.
Speaker 2: If the roofing settlement is twelve grand and you already
Speaker 2: paid them eleven, I would pay him the one thousand
Speaker 2: dollars left and saying, look, bro, here's the insurance. Look
Speaker 2: at it. This is what you're getting paid.
Speaker 16: Right. I understand that. But the roof that was on
Speaker 16: there was supposed to be the same one that was
Speaker 16: supposed to go back on. So I have no problem
Speaker 16: with that.
Speaker 2: It's not exactly the same. It's supposed to be light quality.
Speaker 16: Correct, But I mean the brand that was on there
Speaker 16: and the brand that was supposed to be going back on,
Speaker 16: what's the exact same. I have no problem with that.
Speaker 16: My problem is I don't have an itemized receipt or you.
Speaker 2: Don't have to. You don't have to. He doesn't. He
Speaker 2: doesn't owe you enough. He doesn't owe you an itemized receipt.
Speaker 2: You didn't demand one.
Speaker 16: I never signed anything. And usually when you sign something
Speaker 16: with a contractor, it's gonna.
Speaker 2: Say that goes both ways, that weakness, That weakness goes
Speaker 2: both ways. You didn't sign anything, and you let them go,
Speaker 2: and you paid them, you gave approval. And I'm gonna
Speaker 2: tell you you're gonna lose this when Charles, you're gonna
Speaker 2: get a lean on your house. It's what are you
Speaker 2: trying to save? One thousand dollars? Two thousand? What are
Speaker 2: you trying to save here? What is your best case scenario?
Speaker 2: What do you think you'll accomplish by putting up these roadblocks?
Speaker 2: Just tell me what do you think you'll accomplish?
Speaker 16: What the insurance says? Well, to take the thing back.
Speaker 16: They're saying because the insurance don't pay everything out, Yes
Speaker 16: they do. Oh, there's not everything at once.
Speaker 2: We gotta take a break. We'll be right back