Speaker 1: And off.
Speaker 2: Ripped off news.
Speaker 3: So you don't have.
Speaker 2: Come running suspass as we can.
Speaker 4: Shooter's gonna help coming man.
Speaker 5: This is the Troubleshooter Show. No, Tom Martinez, welcome, Welcome
Speaker 5: to the only show but Scott. We're here to solve problems,
Speaker 5: answer questions, take complaints. Our goals to make your life
Speaker 5: just a little bit better. If you've been ripped off
Speaker 5: or taken advantage of I'd love to talk to you.
Speaker 6: I would love to help you.
Speaker 5: Maybe a bad ladlord, maybe a bad attorney for that matter. Contractors.
Speaker 5: Of course, we hear about a lot of roofers this
Speaker 5: time of year, after big hailstorms. But if you have
Speaker 5: a problem or just a question, this show is for you.
Speaker 5: I got three lines open three oh three seven one
Speaker 5: three eight two five five three zero three Martino, Now
Speaker 5: I got to pull up my call screener. Suzanne, you
Speaker 5: might have to No, it looks like I got it
Speaker 5: here bingo three oh three seven one three eight two
Speaker 5: five five. By the way, Joe Keano joins me my
Speaker 5: moneymway dot Com. We're gonna dive into some of his products.
Speaker 5: He basically has different products. One, of course, are annuity
Speaker 5: products and we'll talk about good annuities, bad annuities, and
Speaker 5: what makes one good and what makes one bad. They
Speaker 5: also have the become the Banker product, which is very curious.
Speaker 6: It's basically a.
Speaker 5: Way to build retirement back by a life insurance policy.
Speaker 5: And his own son, Jordan, actually used that growing up,
Speaker 5: which I find pretty cool, and that's something you might
Speaker 5: consider for your kids or grandkids. It's a good way
Speaker 5: to start thinking about retirement when someone in their twenties
Speaker 5: or even younger never does. I mean, it's pretty it's
Speaker 5: pretty amazing. Three zero three seven one three eight two
Speaker 5: five five. Deputy Doc joins me. Suzanne, my beautiful wife
Speaker 5: to the left, and then of course Joe across from me.
Speaker 5: Kelly answering your phones, and I assume we have Shannon
Speaker 5: back there running the board. Hey Mike, what's going on
Speaker 5: with you? What's going on with Verizon?
Speaker 7: Well, towards the end of last month, my girlfriend and
Speaker 7: I went into Verizon to switch her from T Mobile
Speaker 7: to my account on Verizon. Okay, I have been a
Speaker 7: customer of theirs since cell phones became a thing, and
Speaker 7: as you might expect, their new estimated bill is not
Speaker 7: what I'm being built and I'm wondering if you have
Speaker 7: an angel at Verizon.
Speaker 5: Well, we do have an angel, but help me out
Speaker 5: with what you actually thought.
Speaker 6: So you were going to add a phone to it.
Speaker 5: I assume she's bringing over her own phone.
Speaker 7: She was, but I was available for upgrade, so we
Speaker 7: upgraded her phone to the free one that was available.
Speaker 5: All right, So you got to end up Well, when
Speaker 5: you say it's free, it's generally based on credits, right,
Speaker 5: or are they giving you one hundred percent free phone?
Speaker 5: Because typically they never do that. Typically they you know,
Speaker 5: it's one thousand dollars phone, they charge you to say
Speaker 5: fifty bucks a month, but then they give you a
Speaker 5: credit of say forty five bucks a month or fifty
Speaker 5: bucks a month towards the phone for X amount of years.
Speaker 5: So eventually after two or three years it's free.
Speaker 7: I was available for an upgrade, so there was no
Speaker 7: charge for this phone.
Speaker 5: Okay, So did they end up charging you? What's the
Speaker 5: actual problem? How much did you think it was going
Speaker 5: to be? Maybe we should start there.
Speaker 7: Okay, So I have a document from our in store
Speaker 7: visit that says our new monthly bill will be one
Speaker 7: hundred and fifteen dollars and fifty sixty one six.
Speaker 5: And how much was it prior to that?
Speaker 7: Twenty dollars? If we signed up for auto.
Speaker 5: Pay, how much was it prior to that? And how
Speaker 5: much was just your phone on there?
Speaker 7: About sixty eight dollars?
Speaker 5: Okay, so it was going to go down a little
Speaker 5: per line. So it was going to be about one
Speaker 5: hundred and fifteen according to this paper. So when you
Speaker 5: got the first bill, what's the discrepancy? What's different about it?
Speaker 7: Well, the first bill is all always higher because we
Speaker 7: added her phone and there's some BSPs on there. Of course,
Speaker 7: the new current monthly bill, according to the Verizon app,
Speaker 7: is estimated at right at one hundred and thirty dollars
Speaker 7: instead of the ninety five sixty one that I have
Speaker 7: in writing.
Speaker 8: So you don't think go ahead, Susan, I thought you
Speaker 8: said with the in store visit said your your estimated
Speaker 8: future bill would be one fifteen sixty one?
Speaker 2: Did I misunderstand?
Speaker 7: No, that's correct. But if we signed up for autopay,
Speaker 7: they'll take twenty dollars a month off.
Speaker 5: Oh that's pretty good. You're sure it's twenty bucks a
Speaker 5: month for autobi doesn't make sense.
Speaker 7: That's what she told me, Okay, what i'ven't written down.
Speaker 5: Is that where the discrepancy is going to lie? Is
Speaker 5: that twenty bucks? No, the discrepancy is Hey, I realized
Speaker 5: the first pill was one sixty. Have you received a
Speaker 5: second bill?
Speaker 7: No? But it's on the Rizon app and it shows
Speaker 7: that at right at one hundred and thirty dollars instead
Speaker 7: of the ninety five sixty one that I have in writing.
Speaker 5: Well, now you're even more confusing. You mean, so after
Speaker 5: that twenty dollars, it's one fifteen down to ninety five.
Speaker 5: And when you say have that in writing, what does
Speaker 5: that mean? It's in writing from who?
Speaker 7: From Verizon? It's a document we received when we signed
Speaker 7: her up and added her to my account.
Speaker 5: And the document, once again though, is from where, like
Speaker 5: from their website? Where is it from?
Speaker 7: No, it was printed out by the customer service person
Speaker 7: that helped us in the store.
Speaker 6: In what store?
Speaker 5: Was it actually owned by Verizon or was it one
Speaker 5: of these stores that basically is individually owned.
Speaker 7: No, it's a Verizon store in Belmar.
Speaker 6: What is the address of that store?
Speaker 9: Ares?
Speaker 5: Is it the only one in Belmar? That's pretty small area.
Speaker 7: Yeah, it's the only one in Belmar.
Speaker 5: And I'm actually looking it up. So they gave you
Speaker 5: something in writing saying your new bill is going to
Speaker 5: be ninety five bucks. So when you call Verizon, what
Speaker 5: do they say?
Speaker 7: Well, that's another thing. Because I had a problem with
Speaker 7: my account. I needed to reset it and they screwed
Speaker 7: up the autopay. So two weekends ago, I was on
Speaker 7: hold for three and a half hours.
Speaker 5: Hey, would that be Lakewood one eight supervisor? Would that
Speaker 5: be the Lakewood Verizon store?
Speaker 7: Yes?
Speaker 5: Okay, keep going. What were you saying? So they screwed
Speaker 5: the they screwed up the auto pay.
Speaker 6: So what happened?
Speaker 7: So I was on hold for three and a half
Speaker 7: hours waiting to get to a supervisor. We got all
Speaker 7: that straightened out. The bill was paid on June second
Speaker 7: through auto pay. Okay, but uh, I don't dare call Verizon.
Speaker 7: They're eight hundred number again. If anything, I was going
Speaker 7: to go into the Belmar store, but I was hoping
Speaker 7: you had an angel that can get this sorted out.
Speaker 5: Yet, Well, we might have an angel if there's something
Speaker 5: to sort out. I mean, we definitely have an angel,
Speaker 5: don't Well yeah.
Speaker 8: But I personally Mark, I think he needs to address
Speaker 8: the store folks.
Speaker 2: First, and then let us SNI.
Speaker 5: I don't want to see what you can you send
Speaker 5: us what you have in writing during the break. Yes,
Speaker 5: I want you to do that. I want to actually
Speaker 5: look at that, send it to help send it like
Speaker 5: right now, to help the troubleshooter dot com. I'll take
Speaker 5: my first break. I'll look at it as soon as
Speaker 5: I do these spots. But I want to see it.
Speaker 5: But yes, we do have an angel over there. But
Speaker 5: we got to understand what the hell we're asking them.
Speaker 5: I don't I don't get why they told you ninety
Speaker 5: five bucks. I understand there was a problem with that.
Speaker 5: Are they possibly going to give you a credit? And
Speaker 5: then what kind of phone was one hundred percent free?
Speaker 7: A Google Pixel nine pro?
Speaker 5: Okay, and that is one hundred percent free. It's not
Speaker 5: any form of credits you get over a two year
Speaker 5: period period. No, all right, get me that email. Hold on,
Speaker 5: I'm gonna get you on all three oh three seven,
Speaker 5: one three eight two five five one line open. You
Speaker 5: know what's funny, Joe, I have learned this, Suzanne. I
Speaker 5: have learned this. If you have been with a cable company,
Speaker 5: a cell phone company, a utility company, which generally doesn't matter.
Speaker 5: There's no loyalty. They don't care. This guy has been
Speaker 5: with Verizon, he said, you know, since cell phones were
Speaker 5: a thing, so he might have been with Verizon for
Speaker 5: the last what twenty five thirty years. They don't care.
Speaker 5: You call up, they don't care. I remember trying to
Speaker 5: deal with Dish Network. I remember trying to deal with
Speaker 5: Direct TV. None of these companies care. How many times
Speaker 5: did we have problems with like Sprint. I mean, it's
Speaker 5: just constant.
Speaker 10: See.
Speaker 8: The other one that's really bad is personally serious XM serious.
Speaker 5: XM's horrible. They have you sign up, everything expires in
Speaker 5: a year. It'll go from ten dollars a month to
Speaker 5: five hundred dollars for the year. So then you got
Speaker 5: to call him up, you got to threaten to cancel.
Speaker 5: They lower it back down. It's like a big game.
Speaker 5: And there's probably a lot of people that simply don't
Speaker 5: follow their auto bills. And I'm lucky Suzanne follows all
Speaker 5: that stuff. Think of all the things you've been charged
Speaker 5: for on a credit card that's reoccurring, cell phone bills,
Speaker 5: different apps, different television things. My god, they just lied
Speaker 5: to you about costs.
Speaker 6: Sometimes we've actually.
Speaker 5: Seen contracts from Verizon, and I'm venting a little here
Speaker 5: in general, not just did Verizon, but contracts from Verizon.
Speaker 5: They're basically saying, you know, you're not Your price will
Speaker 5: not increase ever for a lifetime. They're not going to increase.
Speaker 5: But then you read the next paragraph, they're just talking
Speaker 5: about the base rate. The fees can change. Everything else
Speaker 5: can change, so yes, the price can change. I'm getting
Speaker 5: a little sick and tire of it. Hold on, I
Speaker 5: have one line open that guy had to drop off.
Speaker 5: You did send me the Verizon paperwork, and you know
Speaker 5: it says one point fifteen, there's no doubt, but in handwritten,
Speaker 5: not here handwritten, it says twenty dollars auto pay just
Speaker 5: next to it, So I don't understand where he's coming up.
Speaker 5: Then when I look up his Verizon offer twenty dollars
Speaker 5: for auto pay, I do see that on some things
Speaker 5: they offer up to ten dollars per line. He has
Speaker 5: two lines, so that would be twenty dollars. And I
Speaker 5: also find information saying no, they don't offer twenty dollars off.
Speaker 5: And what's weird is it looks like he wrote that.
Speaker 5: And the reason I say he wrote it to handwriting
Speaker 5: matches some of the stuff on the top, which I
Speaker 5: assume he wrote Suzanne. I mean, there's no there's no
Speaker 5: harm in sending it over to the angel and just
Speaker 5: asking him. This guy thought he was supposed to get
Speaker 5: make sure they get this, he thought his new bill,
Speaker 5: And according to this right from their own store, the
Speaker 5: new bill does say it's going to be one hundred
Speaker 5: and fifteen bucks. I realized that first month has activation
Speaker 5: fees and all that. I don't care about that. They
Speaker 5: always screw you on that stuff. So send it over
Speaker 5: and then basically ask her does he qualify for that
Speaker 5: twenty dollars? And if so, how come his bill is
Speaker 5: not ninety five bucks going forward? Because even this says
Speaker 5: it's one fifteen. To me, it looks like the only
Speaker 5: thing they didn't do. Now, I wonder if you're not
Speaker 5: allowed to stack discounts. Do you know why I say that.
Speaker 8: Because he has the discount for being a first.
Speaker 5: Respond first respond I wonder if they're gonna say, hey,
Speaker 5: you can only have one discount in the first responder
Speaker 5: discount is twenty five. But let's ask him, let's just
Speaker 5: kind of figure out what that is. And it looks
Speaker 5: like he did get that iPhone eleven for zero, but
Speaker 5: it's an iPhone eleven. That's why it's a free phone.
Speaker 5: But I would I'd like to understand why they told
Speaker 5: him that twenty bucks. Maybe they didn't know in the
Speaker 5: store you can't stack discounts.
Speaker 6: But we'll find out.
Speaker 5: One line open three zero three seven, one three eight
Speaker 5: two five five real quick, Chris, you had a comment
Speaker 5: on this Verizon and bill go ahead.
Speaker 11: Oh yeah, just recently, I actually did the same exact
Speaker 11: thing out of the line on my account and had
Speaker 11: a phone along with it. And what was explained to
Speaker 11: me in the store, and what I experienced myself was
Speaker 11: that the first bill that you get after you do
Speaker 11: all that is higher because of like activation, it is
Speaker 11: stuff like that. And then the second bill that you
Speaker 11: get after that is actually significantly lower because it's like
Speaker 11: pro rating you a couple of things that if depending
Speaker 11: on when you started, I would agree with that, right.
Speaker 11: And then the third bill after that, which in Mike
Speaker 11: is like the one there, it's all leveled out. That's
Speaker 11: where you're that's going to be your price going forward, and.
Speaker 5: You know what, maybe that's it, but his is actually
Speaker 5: really looking at the paperwork from Verizon. His next bill
Speaker 5: after he added the phone and the activation fee and
Speaker 5: all that crap, is one hundred and seventy nine dollars.
Speaker 5: Then it says the new monthly under that will be
Speaker 5: one fifteen sixty one. And I'm not even sure if
Speaker 5: that's what he said it was, but it definitely doesn't
Speaker 5: reflect the auto pay discount that's handwritten on there. Do
Speaker 5: you have auto pay? Did they give you ten bucks
Speaker 5: off per line for auto pay?
Speaker 12: Yeah?
Speaker 13: They gave me ten bucks off per line for auto pay,
Speaker 13: So like I experienced that as well, And I can't
Speaker 13: really speak to what this guy's experiencing.
Speaker 11: I just know I had a similar situation just recently,
Speaker 11: and that's.
Speaker 13: Kind of what I experienced, So I really get it.
Speaker 5: I get so burned on these companies lately. I mean,
Speaker 5: it doesn't matter which one it is. Verizon seems to
Speaker 5: be a little worse than AT and T, but God,
Speaker 5: they're so hard to deal with. If you ever try
Speaker 5: to talk to someone and try to figure out and
Speaker 5: understand what the bill is, it's like they speak in tongues.
Speaker 5: And then what really gets me is when they say
Speaker 5: they're going to correct something and give you a credit
Speaker 5: and you just never see it. Then you got to
Speaker 5: call back in and start all over again. We've all
Speaker 5: dealt with that, Yep.
Speaker 11: I'd say it's you know six to one half dozen
Speaker 11: or the other who you deal with. It's it's just
Speaker 11: gonna be what it's gonna be.
Speaker 5: It's gonna be what it is. Yeah, we're gonna find out. Man,
Speaker 5: we're gonna send it off to the angel I'll update people.
Speaker 5: Are they pretty quick over there, Susanne?
Speaker 8: I'm emailing new people. They helped out with one problem.
Speaker 8: So remember the straight Talk problem. He bought like a
Speaker 8: Verizon phone after ninety days was going to be unlocked.
Speaker 5: Oh, they never unlocked it.
Speaker 2: And they never unlocked it like they had met.
Speaker 5: Here's a great example what Suzanne just said. So here's
Speaker 5: the company straight Talk, which is owned by Verizon.
Speaker 6: They basically said, you'll buy this.
Speaker 5: Phone and we unlock it in thirty days, no questions asked.
Speaker 5: But in that contract it literally said something in that
Speaker 5: agreement we can change our terms at any time. And
Speaker 5: they decided to change it, and now they won't let
Speaker 5: them unlock the phone.
Speaker 2: What happened with that, Oh it got unlocked.
Speaker 5: So basically good week.
Speaker 2: But I'm saying, Yeah, I'm just new to deal with
Speaker 2: these folks.
Speaker 5: Yeah, they're new. Or who's the easiest angel we have?
Speaker 5: Isn't a home depot? Pretty good?
Speaker 11: Uh?
Speaker 2: No, I don't.
Speaker 5: I've seen them. I've seen them get show up the
Speaker 5: same day.
Speaker 8: Yeah, they're they're great, especially for we had a person
Speaker 8: who didn't have heat, like the day before Christmas Eve
Speaker 8: and it was going to be three or four days.
Speaker 2: They got out there like.
Speaker 5: Whatever it was. Yeah, And so there's good angels. It's
Speaker 5: nice to have an angel. So I don't want to
Speaker 5: pooh pooh anybody that helps us. But some of them.
Speaker 6: Just take forever.
Speaker 5: And then there's some that will not communicate directly with us,
Speaker 5: but they will get the job done, but we we
Speaker 5: don't even know it's done until we hear back from
Speaker 5: the car.
Speaker 2: That happens a lot.
Speaker 5: He's a big one that does that, or a lot
Speaker 5: of them.
Speaker 8: Uh that escapes me right off the top of my head.
Speaker 8: But yeah, a lot of like the State of Colorado
Speaker 8: or something.
Speaker 5: Yea, they just won't.
Speaker 2: Talk toledge social security. Then that's it.
Speaker 5: Yeah, you know, and they generally follow through and get
Speaker 5: back with them. Just we'll usually hear back from the caller.
Speaker 5: All right, three O three seven one three eight two
Speaker 5: five five Barbara, you can free up line three there. Hey, Barbara,
Speaker 5: what's going on with you? In relaxing?
Speaker 14: Years ago? And what was before my husband died? In
Speaker 14: twenty three I ordered some relaxium from the TV.
Speaker 5: Well, it's time like Fox News all the time, isn't it?
Speaker 5: Excuse me, it's on Fox News all the time? Sold
Speaker 5: on there by? Isn't that sold by Mike Hucklebee?
Speaker 9: Yeah?
Speaker 14: Yeah, Well, to make a long story short, it didn't work.
Speaker 14: And but this spring I get six bottles of relaxium
Speaker 14: to the tune of two hundred dollars.
Speaker 5: Why is it some kind of uh, it's some kind
Speaker 5: of monthly or bi monthly or what is it?
Speaker 6: What are they telling you?
Speaker 2: You signed up for perpetuity July.
Speaker 14: It was nineteen ninety five, But they bailed me two
Speaker 14: hundred for six bottles and I couldn't get rid of
Speaker 14: them anyhow. After how many years they send it to
Speaker 14: me again, But I had lost the original credit card
Speaker 14: and which USAA got a new credit card. Well, now
Speaker 14: it's back on my bill and they are using my
Speaker 14: new credit card number and USAA says, is a way
Speaker 14: that they can get it. Yeah, they all do that
Speaker 14: now and that I owe it.
Speaker 5: Well, that's what I want to try to figure out.
Speaker 5: So you did sign up for a subscription, and basically
Speaker 5: it says right here, subscription or renew every ninety days
Speaker 5: from data purchase until cancelation. So did you ever go
Speaker 5: online and actually cancel it? Let's talk about that first.
Speaker 14: Well, I never canceled. I mean, and I said this
Speaker 14: originally the first order. Yeah, must have been maybe in
Speaker 14: two thousand, yeah, for whatever. So here we are at
Speaker 14: two thousand and five and I get an order.
Speaker 5: Well, wait a minute, you're saying you didn't receive any
Speaker 5: in the last four plus years. That's right, Well that
Speaker 5: sounds weird as hell. Are you sure they didn't charge
Speaker 5: you but you never got the product? Like either someone
Speaker 5: stole it or it went to the wrong house. I mean,
Speaker 5: do you know you were never charged for the last
Speaker 5: four years? And now all of a sudden you are.
Speaker 10: No.
Speaker 14: I didn't know that. I mean I just figured that. I.
Speaker 5: Well, hold on, here's what I'm asking you, Barbara. Are
Speaker 5: you sure your credit card or your husband's or somebody's
Speaker 5: was not charged those years?
Speaker 6: I am sure it was not.
Speaker 5: Then all of a sudden, now you get charged for it. Correct,
Speaker 5: I understand so real quick. On the new credit card, Pard,
Speaker 5: your old one must have been USAA as well, right, correct? Yeah.
Speaker 5: So a lot of these companies, when you you have
Speaker 5: a reoccurring bill and you have a credit card that's
Speaker 5: actually either changed, meaning a new number or a new
Speaker 5: three digit security code or four digit on AMX or or.
Speaker 6: This is a crazy part.
Speaker 5: If you report fraud on that and they send you
Speaker 5: a brand new card, they'll still allow companies besides the
Speaker 5: one that you claim fraud on to have access to
Speaker 5: the new number. And it's all done pretty much automatically.
Speaker 5: So I get that part. The part I'm missing is
Speaker 5: why didn't they charge you for four years? I mean,
Speaker 5: have you talked to them at all? Not the credit
Speaker 5: card company?
Speaker 14: Relax you, Oh, I've talked to you with a andch
Speaker 14: that first they said it was fraud, and now they
Speaker 14: said that they have talked to them and they said
Speaker 14: that I ordered, Well I didn't order.
Speaker 5: How were they saying you ordered like by the website
Speaker 5: or you called or how would have you ordered?
Speaker 12: Well?
Speaker 14: I would have called because I don't have I'm ninety
Speaker 14: years old and I don't have a computer.
Speaker 5: Yeah, so you would have called up. So they're saying
Speaker 5: you called, did you? And you basically told your credit
Speaker 5: card company you knew nothing about it?
Speaker 15: That's correct?
Speaker 6: Well, this is crazy. I think all we got to
Speaker 6: do here.
Speaker 5: I think we have to have a three way conversation
Speaker 5: with your credit card company. There's two things I want
Speaker 5: to happen on this. Hold on, I'm going to sign
Speaker 5: this to a deputy. But there's two things that need
Speaker 5: to happen, So hold on, and then we've got something
Speaker 5: with O'Reilly's auto parts coming up, and then we're going
Speaker 5: to talk to Joe Keiano. And Deputy Doc was telling
Speaker 5: me something very interesting about crypto and a bill that
Speaker 5: was signed into law in Colorado that talks about different
Speaker 5: things like these ATMs they have, And we had a
Speaker 5: caller get ripped off to the tune of twenty five
Speaker 5: thousand dollars.
Speaker 2: Actually I think it was more than that.
Speaker 5: It was forty thousand dollars that this would have made
Speaker 5: not happen. Curious enough, two lines open three zero three
Speaker 5: seven one three eight U five five Chuck you hold tight, Barbara,
Speaker 5: I'm coming right back to you. We definitely want to
Speaker 5: hear from you. Hopefully we can help you out only shove.
Speaker 5: It's kind of over three hundred million dollars in cash, merchandise, exchanges, refunds.
Speaker 5: Deputy Bow joins us. By the way, this hour brought
Speaker 5: to you Bywaterpros dot Net. I love the system we
Speaker 5: got from them. We got basically a water softener for
Speaker 5: the whole house. It was less than thirty five hundred bucks.
Speaker 5: And man, it's been up in operation for over two years.
Speaker 5: It's almost zero maintenance. I've had to add the salt
Speaker 5: to it once. It's incredibly great. It makes the water
Speaker 5: a lot better. And they have a system now that
Speaker 5: gets rid of forever chemicals, It softens the water and
Speaker 5: it handles any chlorine problems. Think about that for your
Speaker 5: entire not a point of use. Other people say, oh
Speaker 5: we got that for a thousand, that's it the kitchen sink.
Speaker 5: This is for your entire house. And make sure they
Speaker 5: get rid of the pea files. You realize if you
Speaker 5: go fishing in Chatfield Reservoir right now, you're not supposed
Speaker 5: to eat the fish. Did you hear that, Joe? All
Speaker 5: you do that, that's what you are. You're a fishietarian.
Speaker 5: That is right.
Speaker 16: I'm a best gutarian, a fishytarian besgetarian.
Speaker 5: So that's all he eats.
Speaker 2: He doesn't eat meat.
Speaker 5: He eats and eats vegetables and fruits and fish.
Speaker 6: When I read that, I started thinking about you.
Speaker 5: Thank you. If it's going on in Chatfield, think about it.
Speaker 5: This plastic is everywhere. It's horrible, sad yewn. So they
Speaker 5: got a system now, Paul the water Man literally and
Speaker 5: I mean literally, under thirty seven hundred dollars, it'll do
Speaker 5: everything and just google pfas p fis and you'll see
Speaker 5: what I'm talking about, and then pop in Chatfield. It's
Speaker 5: scary as hell. That's right here, all right. Three oh
Speaker 5: three seven one three eight two five five Barbara, here's
Speaker 5: what I'm gonna do. I'm going to put you with
Speaker 5: Deputy Bow that just walked in. And Deputy Bow, let
Speaker 5: me kind of catch you up on what's going on.
Speaker 5: There's a product called Relaxium and it's sold on kind
Speaker 5: of infomercials or TV commercials. Mike Huckabee who ran for
Speaker 5: president years ago, actually and he was a governor somewhere,
Speaker 5: but he actually who wasn't Arkansas. He pushes a product
Speaker 5: pretty heavily, like on Fox News, and I think it's
Speaker 5: Asso on CNN, although that would be weird seeing Mike
Speaker 5: Huckabee push them in, but you get the idea. I've
Speaker 5: seen the product. It helps you go to sleep. I've
Speaker 5: never used it. She signed up, according to her, and Barbara,
Speaker 5: was it your husband that signed up back in twenty
Speaker 5: twenty or.
Speaker 14: Yourself sign up for him?
Speaker 5: Say that again.
Speaker 14: He asked me to sign up for him.
Speaker 5: Fair enough. She signed up five years ago. They paid
Speaker 5: an X amount that first year, and then they didn't
Speaker 5: get billed and they didn't receive anything for four years.
Speaker 5: The first year was fine. The product did not work
Speaker 5: for him, so they just that was it. This year,
Speaker 5: all of a sudden, a charge for how much? One
Speaker 5: hundred and twenty bucks?
Speaker 14: No one nine?
Speaker 5: A charge for one hundred and eighty nine shows up,
Speaker 5: and then six bottles, right yeah, six bottles of this
Speaker 5: stuff out of the blue shows up. So there's two things. One,
Speaker 5: she's got to get a hold of these guys on
Speaker 5: the website. She's ninety years old. She doesn't use the internet.
Speaker 5: You need to get on there and get into her
Speaker 5: account somehow, which I have no idea if she doesn't, do.
Speaker 2: You have email, Barbara, No, you're gonna.
Speaker 5: End up calling him. I have no idea how you're
Speaker 5: going to possibly go online and cancel Barbarikae.
Speaker 17: You just call your credit card company.
Speaker 5: We already went down. That's the second thing. The credit
Speaker 5: card company. She disputed she got a temporary credit. They
Speaker 5: talked to the company. They convinced the company she authorized it,
Speaker 5: and put the took away the provisional credit and basically
Speaker 5: rebuild her.
Speaker 12: Well, technically she never canceled, right, Mark, Well.
Speaker 5: I don't know if she did or not, but the
Speaker 5: fact she didn't receive anything for four years, four years
Speaker 5: me would be the cancelation right there by itself. I
Speaker 5: mean that part so Bo, I want to make sure
Speaker 5: she is canceled. But the second part is, I want
Speaker 5: you to do a three way with the credit card company. Right,
Speaker 5: she simply did not authorize this period, end of story.
Speaker 5: And while you're on with that three way call, they
Speaker 5: can verify that she was or wasn't charged the last
Speaker 5: four years. If she wasn't charged the last four years,
Speaker 5: there is no reason out of the blue she should
Speaker 5: be charged this amount period. And she says she knows
Speaker 5: nothing about it except for twenty twenty.
Speaker 17: I think we need to get on a three way
Speaker 17: call with my Hucklebee.
Speaker 6: Get get Hucklebee on that. That would be funny.
Speaker 3: I can you grab them, grab Hucklebee?
Speaker 5: Now?
Speaker 12: Who is that?
Speaker 2: Who are you talking to?
Speaker 14: Just somebody at my door?
Speaker 5: Okay, all right, Barbara, listen, you're gonna give your information
Speaker 5: to Kelly. Bo's gonna be calling you soon. Kelly to
Speaker 5: get this over to Bo's email, please with all of
Speaker 5: her info and then Bo. I think, honestly, the quickest
Speaker 5: way is if you can do a three way with
Speaker 5: her bank and talk purely on the credit card charges.
Speaker 5: She's saying she absolutely has not talked to this company
Speaker 5: for five years, and they canceled five years ago. And
Speaker 5: if it's true that they haven't built her nor shipped
Speaker 5: anything in four years, I would assume that's a cancelation, no.
Speaker 6: Matter how you look at it in of itself.
Speaker 5: And now she's saying she has not called them back,
Speaker 5: and it is a different credit card number than the
Speaker 5: one she used five years ago. But companies have a
Speaker 5: way of getting that. That's not a big deal. I
Speaker 5: don't agree with it, but it goes on. Hey, Chuck's
Speaker 5: got a problem with car polish that he bought from
Speaker 5: O'Reilly Auto Parts. This one's gonna be curious. I wonder
Speaker 5: if he's gonna say this, I bought this polish, I
Speaker 5: used it and it scratched the hell out of my
Speaker 5: car or something like it was like sandpaper.
Speaker 6: That's crazy.
Speaker 5: I don't know if that's it, but we're all gonna
Speaker 5: find out together right after this. No, all right? Three
Speaker 5: oh three seven, one three eight two five five three
Speaker 5: three Martino, don't forget Frank Duran in the real estate
Speaker 5: man Frank Durant Holmes dot com. You want the best
Speaker 5: realtor that's gonna sell your house for more money and faster,
Speaker 5: you call Frank Duran. You can look up the statue
Speaker 5: yourself on MLS. No one sells more homes in the
Speaker 5: Denver metro area for more money than Frank. In fact,
Speaker 5: he sells more homes listen to this in one month
Speaker 5: than most realtors sell in over a year in the
Speaker 5: state of Colorado. Wow, that's Frank Duran. He's helped me
Speaker 5: out numerous times. He has helped time out numerous times.
Speaker 5: You gotta use him, simple as that. Frank Duran Holmes
Speaker 5: dot com. Now I'm dying to hear what's going on
Speaker 5: with this car?
Speaker 6: Polish?
Speaker 5: Chuck, by the way, two lines open, Get those lines
Speaker 5: filled up. Any problems you have? Three oh three seven
Speaker 5: one three eight two five five three zero three Martino,
Speaker 5: get the calls in, Chuck, what is going on?
Speaker 9: I wish it was as easy as scratching my car,
Speaker 9: but it's not.
Speaker 5: Oh man, what's going on?
Speaker 18: About a week ago, I went into the O'Reilly Auto
Speaker 18: Parts seventy second in Federal looking for some.
Speaker 9: Polish to polish up illuminum.
Speaker 18: Polish aluminum on my motorcycle, okay, just to restore it
Speaker 18: back up. And I bought a product called White Diamond
Speaker 18: Metal Polish. Follow me, you guys should google it up
Speaker 18: the image. You can see it with what I'm looking at.
Speaker 18: It's in a white model twelve ounce fluid deal. It
Speaker 18: worked flawlessly. We're great.
Speaker 9: But here's the problem that has it has vanilla scented.
Speaker 9: It's vanilla scented and it's poison.
Speaker 18: So that leads me up to my leave here my experience.
Speaker 5: Wait a minute, Wait a minute, wait a minute. I'm
Speaker 5: looking at it here. I don't see it. I'm just
Speaker 5: looking at it. They make it. Actually, they make a
Speaker 5: lot of products, but you're talking about basically the little
Speaker 5: bottles and white dimond.
Speaker 9: Yeah, it's called metal long last year.
Speaker 5: Wait, there's a lot of these actually.
Speaker 2: Yeah, I'm a little.
Speaker 9: Shocked by this bottom of the vanilla scented on it.
Speaker 5: You it's like twenty bucks, right, eighteen bucks? Yeah, and
Speaker 5: you're saying somewhere on here, I don't see anything that
Speaker 5: says it's scented.
Speaker 2: It says vanilla scented.
Speaker 8: Right, What do you see that right under the it's
Speaker 8: the last thing in the black square.
Speaker 15: Oh.
Speaker 5: I can't zoom in on this picture I have.
Speaker 18: So so here's where it brings us too.
Speaker 2: We're at who cares it's vanilla scented?
Speaker 5: Who cares?
Speaker 9: The time? You wouldn't think any problem.
Speaker 17: So I use it.
Speaker 18: It worked great. Put every thing away, I put the
Speaker 18: lid back on, put it away. I go to her
Speaker 18: picking up stuff. I noticed a little pad that I got,
Speaker 18: the wax applicator pad.
Speaker 9: Yeah, is missing up, my my little my little lift
Speaker 9: your dog.
Speaker 18: My crazy dog got it and ate half of it.
Speaker 12: Wow?
Speaker 6: Is he okays?
Speaker 5: The dog vocanic mode?
Speaker 18: Oh my god? My eight year old dogs ate this thing.
Speaker 18: I'm usually should tear it up, but no, she's actually ingested.
Speaker 2: It says right on their danger poison.
Speaker 5: Yeah, I see it.
Speaker 18: Why would you Why would you send something that I
Speaker 18: could food product this poison?
Speaker 5: Well, I don't know why you would scent this vanilla.
Speaker 6: I have no idea.
Speaker 5: I mean honestly, so, I have no idea. But all
Speaker 5: the labels, everything on here has the warnings.
Speaker 18: Man, it does.
Speaker 5: But let me jump back to this hold on Chuck
Speaker 5: is the dog?
Speaker 6: Ok?
Speaker 9: Now, she's recovering after and.
Speaker 5: What did the vets me? I mean, like, what did
Speaker 5: they do to treat a dog that eats white diamond?
Speaker 9: So they gave her a shot and I'm gonna look
Speaker 9: at the bill here.
Speaker 19: It's I can't pronounce.
Speaker 18: It, it's C E R E and I A.
Speaker 9: And it helps her with the upset tummy.
Speaker 18: So she's been out eating grass like a cow, trying
Speaker 18: to keep her tummy up from getting upset.
Speaker 5: So she's on the end.
Speaker 18: I made her some rice.
Speaker 5: How much was the title vet bill?
Speaker 18: Forty seven?
Speaker 5: And that's what you're trying to recoup, that's right?
Speaker 18: And I and so I called their customer care at
Speaker 18: online White Diamond.
Speaker 9: Well, the guy from O'Reilly said, why would they put
Speaker 9: scent in something that's poisoned like that?
Speaker 19: Oh my god, I don't know.
Speaker 9: Does it make sense?
Speaker 5: Doesn't I still don't understand why they put scent in
Speaker 5: a polish anyhow, I mean, okay, why would they do that?
Speaker 5: Does anybody have any Why would you buy a metal
Speaker 5: polish like I used to use brasses?
Speaker 8: Sometimes those polishes just stink. They smell like chemicals, they smell,
Speaker 8: you know whatever. So they sent it to maybe.
Speaker 5: What if you cover it?
Speaker 18: If what if someone's two or three year old kid
Speaker 18: grabbed that whole bottle because it's smell like vanilla wafers,
Speaker 18: then the.
Speaker 5: Parent then the parrots should be smacked around.
Speaker 18: Some weird stuff.
Speaker 6: Well, I listen, man, Chuck, I agree with you.
Speaker 5: I don't quite understand why they do it. Suzanne's probably
Speaker 5: onto something right there, because, for the life of me,
Speaker 5: who wants their motorcycle or their exhaust pipe to smell
Speaker 5: like vanilla. I don't know, but maybe it is to
Speaker 5: cover up the horrible smell.
Speaker 18: The laboratories and they don't rewind back.
Speaker 5: Well, I got I got two ideas of what you
Speaker 5: could do. I don't think O'Reilly has got anything to
Speaker 5: do with this, But I do have an idea and
Speaker 5: I'm going to look at something during the break about
Speaker 5: a white diamond. Everybody hold on.
Speaker 17: D News.
Speaker 9: You don't have.
Speaker 12: Run in.
Speaker 9: Just asss as we can.
Speaker 5: The Shooter's gonna help. Come man, This is the Troubleshooter Show.
Speaker 2: No Tom Martinez, welcome.
Speaker 6: My friends to the only show its guy.
Speaker 5: We're here to solve problems, answer questions, take complaints. Over
Speaker 5: three hundred million dollars in cash, merchandise exchanges refunds directly
Speaker 5: due to this show. Simple as that you have any issue.
Speaker 5: We have a lot of attorneys. We've got deputies, We've
Speaker 5: got good contractors, including great roofers. We've got all kinds
Speaker 5: of people here to help get to the bottom of
Speaker 5: your problem. And if that includes trying to recoup money
Speaker 5: some bad contractor or landlord or someone took, we'll get
Speaker 5: involved in that. In fact, we use the power of
Speaker 5: the media. Think about that. We use the radio signal
Speaker 5: your listen to you right now or our YouTube channel
Speaker 5: or any way you hear us are We have over
Speaker 5: fifty thousand a month downloads on our podcast. So however
Speaker 5: you're listening we use that method to go after the
Speaker 5: bad guys. I wasn't gonna bring this up. I'm not
Speaker 5: gonna bring the guy's name up. And I'm going to
Speaker 5: hop back to the phones in a second. By the way,
Speaker 5: we got three lines open love to hear from you
Speaker 5: three oh three seven to one three eight two five five,
Speaker 5: three oh three seven one three eight two five five
Speaker 5: or three zero three Martino. They both come here right now.
Speaker 5: And the three oh three Martino works on and off
Speaker 5: the ear. So I heard from a contractor that this
Speaker 5: goes to tell you guys something. Things that are put
Speaker 5: on the internet never die, never die. I'm not gonna
Speaker 5: say who the contractor is. I'm not gonna say I
Speaker 5: feel bad for the guy, because really I don't. I
Speaker 5: think what he did was a horrible thing. But we
Speaker 5: got zero complaints about him for a long period of time,
Speaker 5: and he reached out and wanted us to take down
Speaker 5: an article on Sleeves Brigade about him.
Speaker 6: So we gave it a lot of thought.
Speaker 5: In fact, I even did a poll on our YouTube
Speaker 5: channel years ago when we did this, and we decided,
Speaker 5: you know what, I think people can turn over a
Speaker 5: new leaf. I don't know, maybe he was an alcoholic
Speaker 5: and he quit drinking. Maybe he was a drug addict
Speaker 5: and he quit doing drugs. I don't know his story,
Speaker 5: but I do know one thing. We didn't get any
Speaker 5: calls on him for numerous years, maybe five years. So
Speaker 5: we said, you know what, Yeah, who were we to
Speaker 5: be keeping this guy up on sleaves Brigade Because anybody
Speaker 5: that he went out to get work from would type
Speaker 5: in his name, and I don't care what state you
Speaker 5: were in, the Sleeves Brigade dot com article would pop
Speaker 5: up and he just wasn't getting any job. So we
Speaker 5: took it down. The problem is the article was reposted
Speaker 5: by numerous people, one of them being It was reposted
Speaker 5: by an iHeart affiliate another AM radio station on their Facebook.
Speaker 5: I don't have any control over that. We took down
Speaker 5: the original post, but.
Speaker 6: They basically copied it.
Speaker 5: It was just a written post and reposted it themselves.
Speaker 5: So now the guy calls me last night or emails
Speaker 5: me wanting me to somehow figure out how to take
Speaker 5: it down everywhere on the Internet. Well that's impossible. That's
Speaker 5: why these kids that upload pictures and stuff to these
Speaker 5: sites or these uh you know what do they call it? Sexting.
Speaker 5: You know, teenagers, that's a big deal. Now, yeah, think
Speaker 5: about that. You've got two sixteen year olds that are dating.
Speaker 5: You know, they're heavy. You know, back in the day,
Speaker 5: you'd go out to make out point or back in
Speaker 5: the woods or wherever. You know.
Speaker 12: Now, how at the backseat of a car's used for.
Speaker 2: Yeah, Now it's all done on tablets.
Speaker 5: You know. Oh, here's a picture of me. Oh, here's
Speaker 5: a picture of me. Now they break up, someone uploads
Speaker 5: one of those somewhere that is there forever. It is
Speaker 5: there forever, which is mind blowing to me. Me growing
Speaker 5: up not like Doc. I mean, Doc, you didn't even
Speaker 5: have radio when you were born.
Speaker 6: We used clay tablets. Yeah, clay tablets.
Speaker 5: Yeah. The closest thing I grew up with the tablet.
Speaker 5: It was an etches sketch. And if they're kids listening,
Speaker 5: they probably have no idea what that is. But that's
Speaker 5: the only thing that all we had. We did have
Speaker 5: video games though, I had the Atari twenty six hundred
Speaker 5: is a child, and we had stuff like that, but
Speaker 5: that stuff was all pretty new. That was like my
Speaker 5: the eighties, the early eighties. But nowadays I feel bad
Speaker 5: for this guy. But at the same time, I'm like,
Speaker 5: I can't get rid of that stuff. People got to
Speaker 5: understand that when they post something like that, it's going
Speaker 5: to be there forever.
Speaker 20: I had a suggestion, what what this contract to White?
Speaker 20: Has any change his name or go to an ll.
Speaker 5: Sage change his name.
Speaker 7: Name?
Speaker 5: So yeah, I think you mean change his name James.
Speaker 17: The change his name or the businesses.
Speaker 2: Business name both.
Speaker 5: It's his name, yeah, and it ain't Fred Smith.
Speaker 20: I mean it's a crazy suggestion. But can he go
Speaker 20: to yelp write, write a letter to Yelp and remove it.
Speaker 20: I've heard that Yelp will remove disparaging ads, but you
Speaker 20: have to make a formal land.
Speaker 6: But this was a news article.
Speaker 7: They're not.
Speaker 5: I don't know how. Yelp first of all, can't remove
Speaker 5: anything from Facebook, nor can yelp remove anything from Google.
Speaker 5: Nor can yelp remove anything from YouTube. You see where
Speaker 5: I'm going. Yeah, I mean, you'd have to reach out
Speaker 5: to every single person. But he's like expecting me to
Speaker 5: do that, and it's like, you're crazy. It's like, I
Speaker 5: don't know what to tell you. But I did send
Speaker 5: one email to someone at iHeart at that station. The
Speaker 5: station's not even in this damn down to see if
Speaker 5: they configure something other than that. I'm done.
Speaker 8: I'm surprised, Like if they reposted the link, you would
Speaker 8: think if someone clicked on the link, it would be
Speaker 8: dead from us taking it down.
Speaker 5: No, because they recopied it. They literally didn't like repost
Speaker 5: it or linked to it. They simply highlighted it, copied it,
Speaker 5: and then did their own thing on it.
Speaker 8: Ouch poor contractor Yeah, wellly that detrimental to his business?
Speaker 6: This ads, Oh, it's crazy.
Speaker 5: He needs to change his go to initials instead of
Speaker 5: his name something. Well, the business isn't his name. But
Speaker 5: the problem is he does big stuff. I'm not even
Speaker 5: going to say what he does, but let's just say
Speaker 5: basement refinishes. So he comes over and he bids you
Speaker 5: on a thirty fifty thousand dollars project, unless, if you're insane,
Speaker 5: you're going to google whoever it is, So not just
Speaker 5: the company name. I'm sure you'll google that too, but
Speaker 5: I'm going to google whoever I'm dealing with, or at
Speaker 5: minimum the owner of the company that I'm getting ready
Speaker 5: to write a check for fifty thousand dollars to. And
Speaker 5: then the second you google him. The first thing that
Speaker 5: popped up. It doesn't pop up anymore because we got
Speaker 5: rid of it. Is the thing we did on Sleaves Brigade.
Speaker 5: But a lot of people copied that and did Facebook
Speaker 5: post and did other things with it.
Speaker 6: So it's just crazy. Now, Yeah, go ahead, go ahead.
Speaker 12: This is really something. This is really something. I'm proud of.
Speaker 12: AARP fraud watch network.
Speaker 6: My dad worked there for years.
Speaker 12: I am a part of. Got a bill signed about
Speaker 12: electronic ATM machines where you're going for bitcoin, and they
Speaker 12: I just want to read you. One of it is
Speaker 12: that you are entitled to a refund. The owner of
Speaker 12: the kiosk, if it's proved to be a fraud, has
Speaker 12: to return your money.
Speaker 5: So let's give a little perspective here. Then, I promise
Speaker 5: I'm going to go back to this O'Reilly call for
Speaker 5: this guy obvious read the warning that's on the machine now,
Speaker 5: but I still got to give context to what you're
Speaker 5: talking about. So there's ATM machines now that you can
Speaker 5: actually go buy crypto with or you can add to
Speaker 5: your account. We had one caller her dad went into
Speaker 5: a liquor store where there was a machine and put
Speaker 5: twenty five thousand dollars in it. I said, there's no way,
Speaker 5: I've never heard of an ATM, even at a bank
Speaker 5: where you can deposit that much money. Sure enough, they exist,
Speaker 5: and there is one in that liquor store. In fact,
Speaker 5: Deputy Bow, you went out there right that you were
Speaker 5: Chopper one of us.
Speaker 20: I think Chopper went which Chopper went out and investigated
Speaker 20: it and we called and it was I believe it was.
Speaker 17: He put forty grand into me.
Speaker 5: He did. He did two different transactions.
Speaker 20: Perpetrators were across the street watching him, and as soon
Speaker 20: as he left, they opened the machine up and took
Speaker 20: the cash.
Speaker 5: Well, either they opened it up and took to cash
Speaker 5: or it didn't matter. He bought crypto and he scanned
Speaker 5: a little bar that the crooks gave him and it
Speaker 5: went into their account. So whether they got to cash
Speaker 5: or not doesn't even matter, because they either got to
Speaker 5: cash or they got to crypto.
Speaker 6: But just the fact, can you imagine.
Speaker 5: If you could go up to an ATM and take
Speaker 5: twenty five thousand dollars out?
Speaker 6: You simply can't.
Speaker 5: I don't care if you're in the biggest casino in
Speaker 5: Las Vegas, You're not going to take out more than
Speaker 5: a thousand. Maybe some banks might let you take out
Speaker 5: two thousand, but the majority let you take out three
Speaker 5: hundred or five hundred, so but twenty five thousand's ridiculous.
Speaker 5: Then someone puts a gun to your head and wipes
Speaker 5: out your entire bank account in a day.
Speaker 6: That's why that.
Speaker 5: Safety stuff's up like that, But not for crypto. Okay,
Speaker 5: so when did this go?
Speaker 12: As of January? It was signed into law yesterday. It
Speaker 12: takes effect general.
Speaker 6: All as signed it.
Speaker 12: Everybody. It's a bill, So let me just seed you one.
Speaker 12: It can only do one thousand dollars a day.
Speaker 5: That's great.
Speaker 12: The owner is responsible for refunds and this one what.
Speaker 5: Does that mean?
Speaker 6: Responsible for refunds?
Speaker 5: If you buy the cryptom.
Speaker 12: His If you buy the crypto and somebody owns that machine,
Speaker 12: the owner of the machine, if.
Speaker 5: It's proven to be fraud, if it's proven to be fraud.
Speaker 12: Has to refund the money.
Speaker 8: Wow.
Speaker 5: Wow, here's the hold on, Hold on, doc, you're going
Speaker 5: too quick on this stuff. It's very interesting, Okay, do
Speaker 5: they get into the definition of fraud because in the
Speaker 5: case we're talking about, someone had this guy walk to
Speaker 5: the bank he withdrew twenty five thousand he walked into
Speaker 5: that machine and used the barcode the perpetrator sent them
Speaker 5: and did it. I don't know if that's that's not
Speaker 5: really fraud, that's him being dumb.
Speaker 12: Well, it may have been the inducement to do that
Speaker 12: may have been fraudulent.
Speaker 5: I don't know.
Speaker 12: Okay, So anyway, if it's proven to be fraud, but.
Speaker 5: Then the owner of that machine is responsible for the
Speaker 5: twenty five grand or forty grand.
Speaker 12: Correct.
Speaker 5: Wow, now his that's cool.
Speaker 12: Okay. Now this morning is posted on every machine. Let
Speaker 12: me be swait it for you.
Speaker 5: It has to be as of when.
Speaker 12: As of January first of twenty twenty six. Go ahead,
Speaker 12: it says wonning. This technology can be used to defraud
Speaker 12: you if you have been directed to this machine by
Speaker 12: someone claiming to be a government agent, bill collector, a
Speaker 12: law enforcement officer, or anyone I do not know personally. Yeah,
Speaker 12: stop this. I love insaction immediately and contact financial advisor
Speaker 12: or local law enforcement.
Speaker 5: I love every bit of that.
Speaker 12: That's on every machine.
Speaker 5: I love every bit of that. Hey, Chuck, I'm so
Speaker 5: Chuck called last hour. I just want to finish up
Speaker 5: with him.
Speaker 15: Chuck.
Speaker 5: Here's here's kind of the bottom line. I looked, and
Speaker 5: I have no idea how you would take white what
Speaker 5: is it called? Again? I already white diamond, white diamond
Speaker 5: or the manufacturers of it. I mean I looked up
Speaker 5: the manufacture. It's like a white diamond something something.
Speaker 12: But I do not see industries.
Speaker 18: Yeah, who is it industries?
Speaker 5: Oh wait a minute, hold on, I did not see
Speaker 5: that hold on Schultz like in a Snoopy nothing. Yeah,
Speaker 5: it's funny.
Speaker 6: I go to Snoopy.
Speaker 5: He goes to sergeant Schnltz. Wasn't the guy that did Snoopy?
Speaker 5: Wasn't his name Schultz?
Speaker 10: No?
Speaker 12: That was it was Charles.
Speaker 9: It wasn't Charles schultzls.
Speaker 12: Yeah, Charles Schultz, the creator.
Speaker 18: I've reached out to them on it. My here's here's
Speaker 18: what the end goal. It's only two hundred fifty bucks.
Speaker 18: My dog's gonna be okay. Is if they have something
Speaker 18: on the shelf that has it's poison and he says
Speaker 18: so could cause death and they have it with a
Speaker 18: sweet smell.
Speaker 9: It's crazy, you say the kids should be better.
Speaker 5: Well, but you know what's funny. You can't go buy
Speaker 5: you can't. I'm not even sure if this is true.
Speaker 5: Now it seems to change every year. You can't go
Speaker 5: buy a flavored vape because they don't want kids smoking
Speaker 5: watermelon or whatever. Strawberry. Literally, you can't go. You can't
Speaker 5: buy flavored stuff, but you can buy something like this
Speaker 5: that smells like vanilla. They could literally, you know, kill you.
Speaker 5: I think vake kills you eventually, but it doesn't kill
Speaker 5: you that day.
Speaker 12: But I have two words personal responsibility. If you buy
Speaker 12: something that you know is poison, it's your responsibility to
Speaker 12: keep it out of the region.
Speaker 2: I looked here, Schultz Industries.
Speaker 9: We've all been around toddlers to climb over everything.
Speaker 18: That was my main concern.
Speaker 5: Yeah, fine, no, it's bad though.
Speaker 6: Dogs.
Speaker 5: You could make the same argument with Annie Freeze. It's
Speaker 5: got a sweet taste.
Speaker 18: You're at the o'rallies. Was to me he was over
Speaker 18: the top.
Speaker 9: But I'm like wow, and I'm standing there looking at
Speaker 9: him like check check.
Speaker 5: Let me finish my thought on this. What I would do. Honestly,
Speaker 5: I think I would do this if you really wanted to.
Speaker 5: I would figure out who the distribution path went and
Speaker 5: whoever delivered it to the store, or I would sue
Speaker 5: that store for two hundred and fifty bucks. In small
Speaker 5: claims court. Now, I don't think you have a leg
Speaker 5: to stand on. I'm going to say that, but they're
Speaker 5: going to have to think real hard. Whoever's at O'Reilly's.
Speaker 5: Do they want to snuff this out for two hundred
Speaker 5: and fifty or three hundred bucks with court costs? Or
Speaker 5: do they want to show up and waste two days
Speaker 5: out of their life to defend it? And I'm telling
Speaker 5: you right now, any smart business would hand you the
Speaker 5: three hundred bucks and then they would go to that
Speaker 5: manufacturer distributor and say give me my three hundred bucks.
Speaker 5: So I would personally do that.
Speaker 18: You're in my head. So here's what I did. I
Speaker 18: went to the Consumer Protection Safety Commission Sweet and dug around,
Speaker 18: called somebody and filed a formal complaint for his shows
Speaker 18: laboratories Wow, stating that it's an unsafe product. It was
Speaker 18: a little bit of stepping and fetching.
Speaker 6: And if I have what did they say about what happened?
Speaker 18: Well, I haven't got response.
Speaker 9: They said that they've got I just did it.
Speaker 18: This morning before I call it.
Speaker 7: You guys.
Speaker 18: The product, We're fine, but you don't need to put
Speaker 18: I get it.
Speaker 5: We don't need to rehash it. It is strange. I
Speaker 5: don't know why they put vanilla in it. It's nuts, man.
Speaker 13: It's like taking like here right, yeah, exactly.
Speaker 5: You make it smell like I don't know anything that's
Speaker 5: addible is crazy. I don't get that, Park. I gotta
Speaker 5: take this break to a whole line, Joe Keano, I
Speaker 5: want to talk to you about a couple different things.
Speaker 5: I want to talk to you about annuities in general.
Speaker 5: And this is important. If anybody out there is listening,
Speaker 5: there's bad information out there on annuities, and there's good information.
Speaker 5: You're going to hear some good information here. Here's kind
Speaker 5: of the deal. Here's how I look at them. You
Speaker 5: give up some of the liquidity for guaranteed money when
Speaker 5: you buy an annuity, and I realize you can borrow
Speaker 5: a certain amount from it. If you have a half
Speaker 5: a million dollar annuity, or let's use use round numbers,
Speaker 5: a million dollar annuity, you can borrow one hundred thousand
Speaker 5: dollars a year every year, so you can definitely get
Speaker 5: some of it, but you're locked into it. It's a
Speaker 5: retirement vehicle. It's like trying to get your Social Security
Speaker 5: when you're fifty. It is what it is. It's there,
Speaker 5: it's building, and it's going to continue to build. The
Speaker 5: thing I think people get nervous is when they die.
Speaker 5: The biggest thing I get is, Okay, I'm fifty years old.
Speaker 5: If I get an annuity right now, once again, I'll
Speaker 5: use a million dollars, it doesn't matter. Or one hundred
Speaker 5: thousand dollars. If I get one hundred thousand dollars annuity.
Speaker 5: Now I realize, by the time I'm seventy, or whenever
Speaker 5: I pull the trigger on full time retirement, or whenever
Speaker 5: I want that cash flow, I'm going to get a
Speaker 5: lot per month, and I'm going to get that till
Speaker 5: the day I die. A lot of people fear, though,
Speaker 5: Let's say they turn it on at seventy and I'm
Speaker 5: just throwing numbers out and they're getting three thousand dollars
Speaker 5: a month for the rest of their life, and then
Speaker 5: we'll talk about long term care and the other benefits
Speaker 5: as well.
Speaker 6: But a lot of people are afraid.
Speaker 5: When they die that just goes away. And here they did.
Speaker 5: They spend one hundred thousand and instead of getting three
Speaker 5: thousand or thirty six thousand dollars a year till the
Speaker 5: day they die. That it just goes away. Well, that's
Speaker 5: simply not true. There used to be some annuities that
Speaker 5: were like that. But now the reality is your offspring
Speaker 5: or your beneficiary, no matter who it is, gets that
Speaker 5: you never, no matter what, And I want you to clarify.
Speaker 2: No matter what, will you ever lose.
Speaker 5: One nickel of principle in the products that you sell?
Speaker 16: Uh none, no, zero, zero guaranteed guaranteed. And that is
Speaker 16: the beautiful thing about our annuities. You know, you're right, Mark,
Speaker 16: there's some good annuities and there's some bad annuities. Okay,
Speaker 16: the new annuities, the ones that we promote are actually
Speaker 16: very flexible, very very flexible. Just like you said earlier.
Speaker 16: People can actually take ten percent of their whole account
Speaker 16: value every year now that they can put it back
Speaker 16: into absolutely that annuity will grow every single year. But
Speaker 16: when the market comes down level Yeah, let me say
Speaker 16: something real quickly. You know, I just came back from
Speaker 16: Saint Thomas. We took a trip over there. I had
Speaker 16: a financial seminar that I went to over there, and
Speaker 16: coming back to Denver, it was the bumpiest right I
Speaker 16: have ever. I mean, I mean, this is the worst
Speaker 16: turbuy lance that I have ever experienced. And my wife
Speaker 16: were holding hands. It was so I mean, there was
Speaker 16: no one on the planet say no, I mean it.
Speaker 5: I mean it was not amazing.
Speaker 16: So I begin to think about this because see, that's
Speaker 16: exactly the feeling that people get today with the stock market.
Speaker 5: Have you seen it lately? Yeah, it's crazy, mean, so volatile,
Speaker 5: especially with the tariff talks into nuts and I'm telling
Speaker 5: you right now it's down. Okay.
Speaker 16: So the key is people are losing money. We are
Speaker 16: going into a very turbulent economy right now. The market
Speaker 16: worked in the past, may not be working as well.
Speaker 16: Do they may work in the future, but do you
Speaker 16: have the time? That is the whole idea. Do you
Speaker 16: have time and for the market to recover.
Speaker 5: The other thing is you do participate in the upside
Speaker 5: with the products you sell. You just don't participate in
Speaker 5: the downside. If the stock market's on fire in twenty
Speaker 5: twenty four.
Speaker 6: You made more money.
Speaker 5: Absolutely, whatever you had invested in that annuity grew grown beautifully. Absolutely.
Speaker 5: When you start getting into the turbulence, as you're putting it,
Speaker 5: then then all of a sudden you.
Speaker 16: Lock Yet you're lucked in, and you know you were
Speaker 16: talking about the guaranteed income for life. Yeah, you know,
Speaker 16: our annuities will give our clients a guarantee pay check.
Speaker 5: It's like a pantry, single year for the.
Speaker 16: Rest of their lives, and if they pass away unexpectedly,
Speaker 16: the whole account value everything on that annuity goes to
Speaker 16: the beneficiary.
Speaker 5: Everything they grew is the best of both worlds.
Speaker 16: Mark you can have potential for growth and protect against
Speaker 16: loosing your money.
Speaker 5: To people, If someone lives to like one hundred, do
Speaker 5: they ever outlive? In other words, do they make so
Speaker 5: much money? It's ridiculous on that because they're not dying
Speaker 5: at eighty or whatever a man is supposed to die at. Now,
Speaker 5: they live to one hundred and five, I mean, they
Speaker 5: definitely did better on it than someone that dies at eighty.
Speaker 16: That is right, But you know what, it really doesn't
Speaker 16: matter because the whole account balance is what we'll go
Speaker 16: to the beneficiary.
Speaker 5: Yeah, if you pass away, but I mean if you live.
Speaker 5: But people, I guess what I'm saying is can you
Speaker 5: outlive the value if you're guaranteetedly That's what I mean.
Speaker 5: If you're guaranteed a paycheck till the day you die,
Speaker 5: that account value could be zero, but you still get it.
Speaker 16: That's right, You're still getting the paycheck. See, that's security,
Speaker 16: and that's what really people need in today's economy. They
Speaker 16: want to have security for life. Well, it's nice having that.
Speaker 5: I mean, I like participating in big gains, which also
Speaker 5: comes with big losses. But at the same time, it's
Speaker 5: nice having something that no, no matter what, you're going
Speaker 5: to be hitting each month. Just let me say this
Speaker 5: rue and then hold on though, because we didn't talk
Speaker 5: about the long term care part of it. That part's
Speaker 5: pretty amazing because that doubles it. So let's take let's.
Speaker 6: Take a number you gave me.
Speaker 5: I think we were talking a half a million dollars
Speaker 5: at age fifty. If I retired right around seventy, it
Speaker 5: was about eight thousand a month, and I'd get that
Speaker 5: forever forever. Yeah, But if all of a sudden, I
Speaker 5: can't cook for myself and I can't shower, isn't it
Speaker 5: two things? Yeah, do out of the six activities of
Speaker 5: daily living?
Speaker 16: Yeah, two out in the dressing, you know, bathing, Yeah,
Speaker 16: holding your bladder, It doubles, it doubles.
Speaker 5: Then I get sixteen thousand for the rest of your
Speaker 5: life for the rest of my life. And what's crazy
Speaker 5: about that is looking at long term because my parents'
Speaker 5: age long term facilities. They're in Florida and they're a
Speaker 5: little cheaper than here in Colorado. And Colorado they're over
Speaker 5: ten thousand dollars a lot, right, I mean for a
Speaker 5: decent one. I mean we're not talking to Section eight
Speaker 5: kind of place. No, we're talking a real, real place.
Speaker 5: And we're not talking the best either. But in Florida
Speaker 5: they're about eight thousand. And think about that. You have
Speaker 5: sixteen thousand in that scenario, now ten thousand to pay
Speaker 5: whatever you need in a facility or bring people into
Speaker 5: your house every day however you want to do it.
Speaker 5: And then on top of that, on top of that
Speaker 5: that once again, like you said, till the day you die,
Speaker 5: once it's implemented.
Speaker 16: I mean, this is the best of both worlds. Mark,
Speaker 16: I don't understand why people you don't shoot, I mean,
Speaker 16: why they're not looking to have a portion of their portfolio. Yeah,
Speaker 16: portion to a guaranteed account, especially your.
Speaker 5: Younger, your account. Your son ran a number for me
Speaker 5: that was crazy, you guys sold I think it was
Speaker 5: a twenty year old, a twenty year old a ten
Speaker 5: thousand dollars annuity, right?
Speaker 6: Is that was that age?
Speaker 7: Right?
Speaker 5: Eighteen? Yeah, listen to this when that kid imagine if
Speaker 5: that's your grandson right now, when that kid retires, it's
Speaker 5: sixty five or seventy whatever number we ran ten thousand dollars. Now, okay,
Speaker 5: when he retires, how much did he have? Do you
Speaker 5: even remember? I don't remember a million dollars? Right? Over
Speaker 5: a million dollars for a ten thousand dollars investment dow'
Speaker 5: speA because you have time, of course, that is the
Speaker 5: holy people, Like Deputy Doc, you got an annuity that
Speaker 5: turned on almost immediately, like in thirty days exactly.
Speaker 16: It's called an immediate annuity, right, Because it's called an
Speaker 16: immediate annuity, right.
Speaker 5: And yours actually goes up each year if the cost
Speaker 5: of living goes up.
Speaker 12: Well, the deal is, it's it's it's tagged to the
Speaker 12: sock market. Got so on my adversary date. If the
Speaker 12: sock market has gone up a certain amount, it's increased.
Speaker 12: If the sock market has gone down, I'm guaranteed a
Speaker 12: three percent cost of living increase, no matter what, no
Speaker 12: matter what.
Speaker 5: But so your payment, of course never goes down.
Speaker 12: I thought it out thirteen.
Speaker 6: You did it, and.
Speaker 5: I just want to ask you this stock for real,
Speaker 5: you you did it. I'm not gonna use real numbers,
Speaker 5: but let's say a half a million bucks instead of
Speaker 5: having a half a million dollars in the bank, you
Speaker 5: wanted to make sure, no matter what, you have a
Speaker 5: check coming in that can cover your mortgage, cover your living,
Speaker 5: cover everything. So you gave up that liquidity for literally
Speaker 5: having that guaranteed money.
Speaker 12: And I'd say it went from thirteen hundred originally to
Speaker 12: two thousand now, so now you're in a one thousand,
Speaker 12: two thousand months thirteen hundred a month.
Speaker 5: Wow, that's insane.
Speaker 16: So that is, you know, to the point you know,
Speaker 16: we're going to be having a webinar, yeah, on June seventeenth, Okay,
Speaker 16: and it's gonna be called Don't Worry, Retire Happy and
Speaker 16: and and the whole idea behind this book.
Speaker 5: All Right, I got a break and then we're gonna
Speaker 5: get We're gonna give that in throw out over this.
Speaker 5: We got some open lines three oh three seven, one
Speaker 5: three eight two five five.
Speaker 2: I want to hear from them.
Speaker 12: I see the book.
Speaker 5: I know people are going ah iknities are boring. Honestly,
Speaker 5: they're a big part of retirement these days. In fact,
Speaker 5: Jr's got a question on annuities. Go ahead, JR.
Speaker 21: H I got a question for you, Mark.
Speaker 9: I listen to you guys all the time.
Speaker 21: I'm sitting, uh, just cash, and it's just to save
Speaker 21: these account at US Bank. At two hundred and twenty
Speaker 21: four thousand, I'm getting a three point little under three
Speaker 21: point five percent, so about six hundred bucks a month.
Speaker 21: But do I with this annuity he's talking about if
Speaker 21: I want to pull my money?
Speaker 19: Can I pull it?
Speaker 21: Or can I?
Speaker 5: You can borrow. You could borrow up to ten percent
Speaker 5: each year. So at two hundred thousand and whatever, you
Speaker 5: could borrow twenty thousand plus a year, but you don't
Speaker 5: have to pay it back.
Speaker 6: You can pull out ten percent each year.
Speaker 9: Okay.
Speaker 21: Now, what if I die, because I'm getting close to
Speaker 21: seventy What if I die?
Speaker 12: Yeah?
Speaker 21: What if I kick the budget?
Speaker 5: All the money goes to whoever your beneficiary is, your kids,
Speaker 5: your wife, whoever set up the total account value. But
Speaker 5: I want to say some something a little different than
Speaker 5: I'm gonna let Joe chime in. You're crazy where your
Speaker 5: money is right now? If you wanted just to sit
Speaker 5: and be liquid, you can open up a free Schwab
Speaker 5: account and they have a seven day yield called swvxx.
Speaker 5: It's called their Schwab Prime Advantage Money Fund, and it's
Speaker 5: around five percent and that can be liquid within one day.
Speaker 5: Oh wow, Yeah, that's only five that's only five percent growth.
Speaker 5: But that can be liquid in one day. That's better
Speaker 5: than all the on lane banks. And there's some other
Speaker 5: stuff like that out there. But for the kind of
Speaker 5: money you're talking, you know, it's seventy years old. I mean,
Speaker 5: you just have to crunch the numbers, Joe. I mean,
Speaker 5: here's the bottom line. He's seventy he's got two hundred
Speaker 5: and whatever. Whether he wanted to do one hundred thousand
Speaker 5: and turn that into guaranteed or two hundred thousand, whatever
Speaker 5: he wants to do. You can literally punch the numbers
Speaker 5: absolutely jar Now, let me ask you this, I mean,
Speaker 5: do you need money right now for retirement?
Speaker 21: Well, I'm making thirty four hundred a month social Security
Speaker 21: and I still work for Costco.
Speaker 9: I've been working at Costco.
Speaker 5: Nice.
Speaker 16: Wonderful, wonderful. Well, you know, this annuity would probably be
Speaker 16: a fantastic vehicle for you because it will grow when
Speaker 16: the stock market grows. Okay, nothing to do with a
Speaker 16: stock carger.
Speaker 6: And you can turn it on whenever you.
Speaker 16: Want to turn the income on begin in the second
Speaker 16: year to give you get a guy, you get a
Speaker 16: guaranteed lifetime income JR JR.
Speaker 5: There's something else called staggering, which is interesting. There's people
Speaker 5: that have two or three annuities so instead of having one,
Speaker 5: because once you turn that income stream on, it basically
Speaker 5: calculates how much you're going to get a month, and
Speaker 5: you're going to get that till the day you die.
Speaker 5: So some people, like in your case, you have thirty
Speaker 5: four hundred dollars from one income social Security and you're
Speaker 5: still working, well when you quit working, you might want
Speaker 5: to just get that part time income replenished, where let's
Speaker 5: say you add auity for one hundred thousand, you could
Speaker 5: turn that on after a few years whenever you retire
Speaker 5: from Costco and then that would most likely cover whatever
Speaker 5: you were missing from Costco, and then the other one
Speaker 5: could sit there liquid in a Schwab account, or you
Speaker 5: could have another annuity to where if you wanted more
Speaker 5: money per month down the road, you let that one,
Speaker 5: keep growing until you need that. But to answer your
Speaker 5: original question that I got a break, then we'll see
Speaker 5: if you have any other questions. Your original question was basically,
Speaker 5: what happens to the money, well, the entire value of
Speaker 5: the account, including the bonus if you get one that's
Speaker 5: got like a fifteen percent bonus. Everything goes directly to
Speaker 5: your offspring or to your beneficiaries.
Speaker 6: The way to put it hold on. By the way,
Speaker 6: join us on YouTube.
Speaker 5: You can find us at if you go to YouTube,
Speaker 5: type in Troubleshooter Network and there's a show behind the show.
Speaker 5: I don't know how the conversation came up, but we
Speaker 5: were talking about the new Pope. We were all kind
Speaker 5: of surprised that the new Pope was from the United States.
Speaker 5: I mean, that's crazy, And I was looking for the odds.
Speaker 5: Sure enough, Calshey six point seven million in bets on
Speaker 5: the recent conclave. Poly Market cryptocurncy based betting platform eighteen
Speaker 5: million on that same event. So right there, that's just
Speaker 5: two of them guys twenty four million. It's not saying
Speaker 5: like I'd like to know. Yeah, I would have liked
Speaker 5: to known what the odds are on poly Market. I've
Speaker 5: watched elections before, like the Trump election. It pays like
Speaker 5: Trump could be one hundred. You know, for each hundred
Speaker 5: you would get one hundred and fifty and Kamalae at
Speaker 5: the time, for each one hundred you would only get fifty.
Speaker 5: I mean that's kind of how.
Speaker 12: They do it.
Speaker 5: Yeah, they do it a little different than like ten
Speaker 5: to one or whatever. It's more like as like a
Speaker 5: base now, not even like a baseball game, more like
Speaker 5: a hockey game. Actually, now, Joe, I want to finish
Speaker 5: up on these annuities. Then we've got a big one
Speaker 5: coming up.
Speaker 7: Uh.
Speaker 5: This guy, this poor guy is dealing with a lot
Speaker 5: of people. Are Larry's got an issue with Express Lanes.
Speaker 5: The good news Larry is we've got a contact now
Speaker 5: that is pretty amazing. But I don't know exactly what
Speaker 5: your problem is, but you're next up. And then three
Speaker 5: oh three Martino, three oh three seven, one three eight
Speaker 5: two five five. Now, Joe, the seminar you have coming up.
Speaker 5: And by the way, I don't even know if we
Speaker 5: talked about to fifteen percent bonus. So when that guy
Speaker 5: called up, this is something.
Speaker 6: That's crazy too.
Speaker 5: On one of the products you sell, if you have
Speaker 5: one hundred thousand right now on day one, it's worth
Speaker 5: and grows as if it was one hundred and fifteen thousand, right,
Speaker 5: and if it's a million, it's one million, one hundred
Speaker 5: and fifty. So that money, that money you start gaining
Speaker 5: on if the stock market's doing good, you literally grow
Speaker 5: that all the time.
Speaker 6: It never goes down as well, that's right.
Speaker 16: You know, it's almost like getting a fifteen percent rhed
Speaker 16: or return year one.
Speaker 5: Yeah, think about that. Well, it's crazy. So that's yours,
Speaker 5: your account value. But you can't actually take that out
Speaker 5: even though it grows for what five years, ten years right,
Speaker 5: then is vested over ten years.
Speaker 6: And it's yours yours.
Speaker 5: It's yours in the sense that it's growing along with
Speaker 5: all Europe. You get all the benefit of that money.
Speaker 5: You simply got to be that particular product ten years.
Speaker 5: And here's the difference. There's there's other people out there
Speaker 5: you might see on TV that have annuities that say, oh,
Speaker 5: we got a thirty year bonus. Well, the problem is
Speaker 5: they are a thirty percent bonus, right. The problem is
Speaker 5: it doesn't start growing from day one, and you might
Speaker 5: not have anything for twenty years. Then at twenty years.
Speaker 5: You do have the value of that thirty thousand, but
Speaker 5: that's all you have is that thirty thousand. It didn't
Speaker 5: grow for the last twenty years. That's where all the
Speaker 5: damn money is. That's right. So that's the big difference.
Speaker 5: When is this What is the seminar called? And where
Speaker 5: do people sign up? It's not a seminar, it's a webinar. Webinar, okay,
Speaker 5: they can just so they can ask questions, that's right.
Speaker 10: You know.
Speaker 16: And they can just give us a call to registr
Speaker 16: he okay a three h three seven seven nine six
Speaker 16: six zero zero.
Speaker 5: Or they can go through my Money, my Way dot com.
Speaker 5: That's easiest, my money, my Way back because it's a
Speaker 5: forty minute, you know, educational seminary, but it's going to
Speaker 5: have a full q at oh my gosh. Absolutely, you'll
Speaker 5: be able to run actual numbers for people.
Speaker 16: Yes, and also you know we're going to be talking
Speaker 16: about social security, We're going to be talking about about annuities,
Speaker 16: about how to retire happy and not worry. That's the
Speaker 16: whole idea.
Speaker 5: People know, it's an education no matter what. If you've
Speaker 5: ever been curious about annuities, that's it. There's no obligation.
Speaker 5: It's a webinar. You don't even have to talk. You
Speaker 5: can just watch. I mean, there's a million ways to
Speaker 5: participate or just watch for the education. But these guys
Speaker 5: my money, my way dot Com. Great guys, three oh three,
Speaker 5: seven seventy nine sixty six hundred coming back. We're gonna
Speaker 5: be talking possible scam on an express lane and I've
Speaker 5: got two lines open. Three oh three Martino, I want
Speaker 5: to hear from you. Everybody hold tight.
Speaker 9: Ripped news, need advice when you don't have the.
Speaker 4: Runs as we can, Shooter's gonna help coming man.
Speaker 5: This is the Troubleshooter Show.
Speaker 2: No tell Martino, Welcome, Welcome.
Speaker 5: My friends to the only show of It's Guy. We're
Speaker 5: here to solve problems, answer questions. We're here to take complaints.
Speaker 5: Infect to the tune of over three hundred million dollars
Speaker 5: we've recovered from this show over almost a fifty year stretch.
Speaker 5: Just in Denver. Tommy Boyce started it, and uh, it's
Speaker 5: it's incredible. There's no other show like this anywhere that
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Speaker 5: can call up about a bad contractor you can call
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Speaker 6: They're the worst of the worst.
Speaker 5: We're not talking little mistakes or people that do a
Speaker 5: bad job. We're talking crooks. We're talking bad people, federal
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Speaker 5: got three lines open three O three seven one three
Speaker 5: eight two five five three zero three Martino. By the way,
Speaker 5: this hour is brought to you by one Clear Choice
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Speaker 5: Doors dot Com. Now Larry says he's got an issue. Larry,
Speaker 5: what is going on? I'm dying to know what's going
Speaker 5: on with all I see on the sc read is
Speaker 5: possible scam express lanes. What happened, Well, it's not a possible.
Speaker 13: It is a scam.
Speaker 15: The Motor Vehicles Department is aware of this. It's kind
Speaker 15: of rampant right now. And now I don't know if
Speaker 15: it's just Colorado or other states, but this is what happens.
Speaker 9: So pox me.
Speaker 15: A year ago, I crossed over the double white line
Speaker 15: trying to get to the PEPSI Center coming from the
Speaker 15: Greedy YEP. I got a ticket. I didn't pay it.
Speaker 9: I didn't think it was.
Speaker 15: Processible, if that's the word.
Speaker 5: I don't think this guy sounds like me that I
Speaker 5: get what you're saying, that's a word.
Speaker 6: If you ask me, it's processible.
Speaker 12: Yeah.
Speaker 15: So I didn't think they could hold you liable for these.
Speaker 7: Yeah.
Speaker 15: It's kind of like a traffic cam, you know sort
Speaker 15: of thing.
Speaker 5: Yeah, and so let me explain how to hold on, Larry,
Speaker 5: you said a mouthful there. I want people to kind
Speaker 5: of understand how it works. So when we talk about
Speaker 5: a municipality like Greenwood Village, and I use that just
Speaker 5: because I used to get tickets from them for basically
Speaker 5: running a red light like weekly. I mean, I had
Speaker 5: so many of them. I used to have, you know,
Speaker 5: trash basketball games using their tickets. Well, those tickets are
Speaker 5: nothing more than hey, please pay this.
Speaker 6: If they didn't serve you.
Speaker 5: Back in the day, you didn't have to go to
Speaker 5: cort you didn't have to do anything. You could literally
Speaker 5: throw them away and there wasn't a damn thing that
Speaker 5: could be done. Now, you thought the double lines were
Speaker 5: like that, Double lines are a lot different. Double lines
Speaker 5: are a traffic infraction when you cross that double line.
Speaker 5: The infraction they give you in the state of Colorado
Speaker 5: was absurd. The infraction they give you is for not
Speaker 5: paying a toll. It's for toll evasion. The problem with
Speaker 5: that is a lot of people exit, so they did
Speaker 5: pay the toll, and then they exit because they have
Speaker 5: to get wherever they're going. And I don't know, maybe
Speaker 5: they should have saw something before or after. I don't know.
Speaker 5: But when you're in a rush and there's traffic and
Speaker 5: you want to get somewhere, you get in the express lane,
Speaker 5: you pay all the tolls, then you exit over the
Speaker 5: double line, and then they hate you with a seventy
Speaker 5: five dollars fine. You have to pay within thirty days
Speaker 5: or it turns into one hundred and fifty. But the
Speaker 5: problem is what the infraction is. And I don't have
Speaker 5: the CRC in front of me, but the infraction is
Speaker 5: failure to pay your toll or it's something to do
Speaker 5: with not paying the toll. I forget the exact name
Speaker 5: of it. I think it is Toll Division. But the
Speaker 5: bottom line is this, if you ended up paying the
Speaker 5: toll to me, it is a total scam. And we
Speaker 5: know an attorney that fought it all the way through
Speaker 5: Douglas County and ended up winning in front of a
Speaker 5: judge that that should not be it because he proved
Speaker 5: he did pay the toll. When you get into that lane,
Speaker 5: it automatically bills you by a light lins plate, or
Speaker 5: it bills you by what are they called, not a receiver,
Speaker 5: a fob, whatever you put in your window. It either
Speaker 5: bills you by that or it builds you by the
Speaker 5: license plate. And he proved to the judge he paid it.
Speaker 5: So we said, how the hell was I avoiding a toll?
Speaker 5: I paid the toll. So they're using the wrong infraction
Speaker 5: for the double lines. So what happened in your case?
Speaker 15: Well, so we never paid it.
Speaker 5: We got now it's eight million dollars.
Speaker 15: Well not quite seven point five, but no counting at
Speaker 15: that level.
Speaker 9: So we never paid it.
Speaker 15: We got some snail mail things saying it's it's going up,
Speaker 15: it's going up.
Speaker 9: So that was a year ago.
Speaker 15: So my wife was going to Sam.
Speaker 5: You're hard headed. How many years ago did you get this?
Speaker 6: Oh, it was just a year ago.
Speaker 5: Okay, it was.
Speaker 15: I was. I was headed down to the draft party
Speaker 15: at the at the uh Empire Field and I was
Speaker 15: running late and he off over so whatever.
Speaker 9: Anyway, So all this time goes by.
Speaker 15: My wife's going out to make an appointment motor vehicles
Speaker 15: the other day to get some new handicapped stick plackards
Speaker 15: for the car.
Speaker 5: And you can't get them.
Speaker 15: Well, she got them eventually without any problem, without even
Speaker 15: scheduling an appointment. She just walked in, Oh, yeah, we
Speaker 15: don't need an appointment for that, you know, he can
Speaker 15: just do it, and took her five minutes, you know,
Speaker 15: two days later. But when she applied for that appointment,
Speaker 15: she had to give him a phone number.
Speaker 9: She gets a text.
Speaker 15: Message from some and it was let me no, it
Speaker 15: wasn't a collection. I don't know what it was. Let
Speaker 15: me see she sent this to me. She gets this
Speaker 15: text message all about suspending your vehicle registration, sprending your privileges,
Speaker 15: transfer to a tollbooth, and charge the third service maybe
Speaker 15: trusted prosecuted and your credit score may be affected. Uh,
Speaker 15: please pay immediately.
Speaker 19: Blah blah blah.
Speaker 12: Just not about Ray.
Speaker 15: She calls me on the carpet because I was the one.
Speaker 15: I was a guilty party.
Speaker 11: I'm driving the vehicle.
Speaker 15: So her name's on the license plate first, that's why. Anyway,
Speaker 15: I get this. She gets this text message, and I says,
Speaker 15: what just a second before you or I pay this,
Speaker 15: let me see what this numbers about. This number is
Speaker 15: a Ford zero six three eight seven eight eight zero five.
Speaker 15: That number comes from, uh where it is?
Speaker 6: Well, let me let me just say tor.
Speaker 15: Hiary Horse, Montana. That's where that number originated from.
Speaker 5: Yeah, well, let me let me say a couple of
Speaker 5: things here. One in Colorado, specifically on E four seventy
Speaker 5: and Sea Dot Express lanes. Like what you're talking about,
Speaker 5: unpaid tolls, fees and civil penalties can definitely one hundred
Speaker 5: percent lead to a hold being put on your vehicle registration. Now,
Speaker 5: whether or not someone's trying to fish and scam because
Speaker 5: they know the law but they want to get paid
Speaker 5: instead of Sea Dot, I don't know. I don't know
Speaker 5: who's at that number, but I can tell you that
Speaker 5: can affect your ability to renew your registration.
Speaker 15: Well, I think I traded out that vehicle that I
Speaker 15: was driving at that time.
Speaker 19: Yeah, and I got.
Speaker 15: A different vehicle I hadn't well, and I haven't registered
Speaker 15: it yet. I just got Tipperary tag. But I got
Speaker 15: a similar test message and I swear it's from a
Speaker 15: foreign country.
Speaker 5: Yeah, they probably are. It's a big there's a lot
Speaker 5: of scams out there. In fact, Doc, you were telling
Speaker 5: me over the break, you were reading one that you
Speaker 5: say is now nationwide. Absolutely, people are getting in a
Speaker 5: text form.
Speaker 12: They're getting a text that says the driver's license reports
Speaker 12: it as an unpaid parking ticket, and if they don't
Speaker 12: pay this certain place that they're going to do a
Speaker 12: whole bunch of things like suspend their license, et cetera,
Speaker 12: et cetera. And if you notice where it comes from,
Speaker 12: the phone number on the top is a plus sixty
Speaker 12: three blah blah blah. So if you see a plus
Speaker 12: sixty three, you know what's the matter of the country.
Speaker 5: And there's probably lots of them that are scams. Not
Speaker 5: just that one though.
Speaker 12: No, but that one is now going nationwide.
Speaker 5: Does that one? Does yours say that plus sixty three
Speaker 5: or no?
Speaker 18: Well?
Speaker 9: The what my wife did not?
Speaker 15: It came from PURL six, like I say, which is
Speaker 15: bum What do you want to call it?
Speaker 22: Egypt?
Speaker 5: Yeah, Montana, But I didn't.
Speaker 15: Get the same thing the FM your other gentleman was
Speaker 15: us talking about it comes plus sixty three nine nine nine.
Speaker 11: That one.
Speaker 5: Definitely that one right now for anybody listening. If you
Speaker 5: get a plus sixty three followed by whatever numbers, that
Speaker 5: is one hundred percent a nationwide scam.
Speaker 12: Going, or if you get a scam about an outstanding
Speaker 12: parking violation or ticket is a scam.
Speaker 5: Yeah, you got to really just go figure it out
Speaker 5: yourself if it's real or not. But I want to
Speaker 5: re emphasize, and I'm reading this right from Sea Dot
Speaker 5: basically in Colorado, specifically E four seventy and Sea Dot
Speaker 5: Express Lanes, unpaid tolls, fees and civil penalties can lead
Speaker 5: to a hold being placed on your vehicle registration, preventing renewals.
Speaker 5: So I just want everybody to know that is a
Speaker 5: real thing, but it doesn't sound like it's coming from them.
Speaker 5: In this case, it's kind of ironic that after she
Speaker 5: went down there to get her handicapped placard or whatever
Speaker 5: she was getting and gave a phone number that you
Speaker 5: started getting it. That's kind of crazy.
Speaker 15: Well, she she was actually got it. So she called
Speaker 15: on Monday to say about getting these new handicapped pacards,
Speaker 15: and then on.
Speaker 5: I think, how much do you owe?
Speaker 21: Now?
Speaker 5: Out of curiosity, what's the total?
Speaker 9: Oh?
Speaker 19: I don't know.
Speaker 15: They were wanting to clock like two hundred and fifty
Speaker 15: three hundred dollars.
Speaker 5: You know what's weird because she sold the vehicle.
Speaker 2: I wonder.
Speaker 5: I wonder how that works. I mean, if it was
Speaker 5: registered under your wife's name, that might haunt her.
Speaker 6: But you know, ask what it is.
Speaker 15: I guess, yeah, it's registered under both of our names,
Speaker 15: though her name is. We've always placed the opposite person,
Speaker 15: that is, mainly the driver of that vehicle. They've always placed.
Speaker 13: The opposite fous first.
Speaker 15: Why and well that helped us back in the old
Speaker 15: days when we get those photo radars things and you
Speaker 15: could disappear it.
Speaker 5: You are a staff law, my friend. You are the
Speaker 5: definition of a scoff law. Hold on, I got to
Speaker 5: take this break. If you want to pick it up
Speaker 5: after that, we can uh three oh three seven one
Speaker 5: three A two five five. Lisa's got a problem with
Speaker 5: flooding a condo. That sucks. We've handled a lot of
Speaker 5: those over the years. Everybody, hold tight, We'll be right back.
Speaker 5: Three zero three, Martino, we got a couple lines open
Speaker 5: you've been ripped off or taking advantage of. We also
Speaker 5: have Jordan Keano with us. I got two deputies here,
Speaker 5: Deputy Doc and Deputy BO sitting here. Uh, basically ready
Speaker 5: to help you go after the bad guy.
Speaker 2: If you've been ripped off.
Speaker 5: Three oh three seven, one, three, eight, two five five. Now, Lisa,
Speaker 5: this sounds really bad. I hate flooding, and then when
Speaker 5: you throw the word condo in there, it can get
Speaker 5: really bad. Was it the people above you?
Speaker 10: Yeah?
Speaker 3: It actually was two condos above me, two different floods.
Speaker 5: Oh, let's talk about the first one. When did it
Speaker 5: happen and was it directly above you or above them?
Speaker 10: So I'm on the first floor.
Speaker 3: Both of these condos are above me. It happened last September.
Speaker 3: I've been fighting it since then. I did get a
Speaker 3: payout from my insurance company, which was a nightmare. Liberty
Speaker 3: Insurance was the worst in the world. Finally got paid
Speaker 3: out from them.
Speaker 9: How much I'm so olde seven forty.
Speaker 6: Thousand.
Speaker 5: Hold on a second here, you said ye had two floods,
Speaker 5: so you had two different claims with your own insurance.
Speaker 10: I did it with.
Speaker 3: Their insurance, State Farm, because they both had State Farm,
Speaker 3: and I'm uneducated in how.
Speaker 22: To do this.
Speaker 3: I would do it differently next time.
Speaker 10: However, State Farm is refusing.
Speaker 3: To pay the last seven thousand dollars of the total
Speaker 3: forty seven thousand dollars claim.
Speaker 5: Why are they reach fix? Why are they refusing to
Speaker 5: pay it.
Speaker 6: What is there?
Speaker 2: What is their reasoning?
Speaker 3: There is no reason, they're just not paying it.
Speaker 5: Okay, hold On, I gotta understand. At least I got
Speaker 5: to understand a few things. So in September, the first
Speaker 5: flood happened, was that the person directly above you or
Speaker 5: above them.
Speaker 3: They're both directly above me on the second floor. Okay,
Speaker 3: kind of cross over my condo.
Speaker 5: Perfect. So let's say was that was that condo A
Speaker 5: or condo.
Speaker 22: B Kndo A had the big flood, Kando B had
Speaker 22: a smaller Okay, let's talk about let's let's let's talk
Speaker 22: about the forty thousand dollars.
Speaker 6: What is that.
Speaker 5: From the one? Is that from the claim in September?
Speaker 5: Because I assume these are two different claims.
Speaker 10: There are two different claims, So that my insurance company,
Speaker 10: Liberty Mutual could pay forty thousand, I was only covered
Speaker 10: and got.
Speaker 3: Very bad advice to only covered twenty thousand. Carry twenty
Speaker 3: thousand dollars of a claim.
Speaker 5: Okay, so you got twenty thousand from your hold on,
Speaker 5: You got twenty thousand from your own insurance company for both.
Speaker 3: Of them forty because they did two claims.
Speaker 5: Twenty thousand each. So you got a total of forty thousand.
Speaker 5: That's where the forty came from. Yes, and you're still
Speaker 5: seven grand out of pocket because their insurance company, State Farm,
Speaker 5: both of them refuses to pay anything. There you go,
Speaker 5: And how much did you pay just on the deductibles
Speaker 5: for each of your twenty thousand dollars claims?
Speaker 9: Five hundred?
Speaker 5: Okay? So really they owe you seven thousand plus one thousand?
Speaker 5: Is that correct? Or did you already factor that in?
Speaker 3: State Farm paid me five hundred okay.
Speaker 22: For one claim because.
Speaker 10: They put it under one claim.
Speaker 5: For both units. Insurance for both units. Yep, yeah, your
Speaker 5: insurance would put it under two. I don't know why
Speaker 5: State Farm would only put it under one. But hold
Speaker 5: on a second, hey, Kelly, two things, Brian Burns and
Speaker 5: then if we can get Stanford on as well. I
Speaker 5: want to try to help Lisa collect his seven grand,
Speaker 5: and I've got a great idea how to do it.
Speaker 5: And then John's got an issue, So everybody hold on,
Speaker 5: We're going to get an expert on.
Speaker 6: We'll be right back.
Speaker 5: I've a lot happening here. I got a couple experts
Speaker 5: up real quick though. This hour brought to you, and
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Speaker 5: fixedmiome dot com. But anyhow, I digress. Now, I got
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Speaker 5: Burns first and Matt hold tight, Hey Brian, how are
Speaker 5: you doing?
Speaker 18: Man good?
Speaker 19: Mark?
Speaker 5: I am doing very good, sir. Quote Compass dot Com,
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Speaker 5: dot Com Now, Brian, the reasoning.
Speaker 12: About them, what they do that is priceless. They always
Speaker 12: every year they call me and check my insurance to
Speaker 12: see if they can get a better value.
Speaker 5: I love without my.
Speaker 12: Asking for it.
Speaker 5: Not just not just for homeowners, but for auto Yeah,
Speaker 5: and if you have a business, they do commercial policies, Brian.
Speaker 2: So Lisa has two people above.
Speaker 5: Her in a condo. She's on the first floor. She
Speaker 5: had two different flood issues from two different condos. But
Speaker 5: because they're kind of both above her, both of them
Speaker 5: affected her. She ended up turning it over to I
Speaker 5: want to I think she said, Safeco. Who do you have, Lisa?
Speaker 5: Who ended up? Who's your insurance?
Speaker 9: Liberty Mutual?
Speaker 5: And they're terrible, That's why I said Safeco.
Speaker 2: That's funny.
Speaker 5: Liberty Mutual own Safeco. But anyhow, so she turns it
Speaker 5: over to hers, but her coverage is only up to
Speaker 5: twenty thousand dollars. First of all, I didn't know there's
Speaker 5: things like that. I mean, does that sound normal to you?
Speaker 13: Well, I mean, if there's a limit on it, I
Speaker 13: would think it would have been for something like water.
Speaker 5: Backup, got it?
Speaker 13: But or she should have a twenty thousand dollars dwelling limit.
Speaker 13: Is that what it is? She only has twenty thousand
Speaker 13: dollars of interior covering.
Speaker 5: Well, I don't know about that, because they made her
Speaker 5: do now it should be in my opinion, at least,
Speaker 5: it should be two different claims. One happened then the
Speaker 5: other happened in their two separate apartments. So Liberty Mutual
Speaker 5: ended up paying her. What she says is the max coverage.
Speaker 5: She had twenty thousand pers so she got a check
Speaker 5: from them for forty thousand dollars, right, Lisa, Okay, correct, Okay.
Speaker 5: Now the problem is though State Farm, who covers both
Speaker 5: of the people above her, aren't doing anything one of
Speaker 5: the people. What State Farm actually combined? This part baffles me, Lisa.
Speaker 5: I want to clarify something. You had one flood from
Speaker 5: one neighbor, then another flood from another neighbor. Right, correct, When.
Speaker 10: They were mitigating the first flood, they found damage from
Speaker 10: the second one. And I also have an email from
Speaker 10: State Farms saying we accept the liability for the fall damage.
Speaker 10: We will take care of it.
Speaker 3: And now they're not doing it.
Speaker 5: Okay, hold on now. But so, Brian, the first thing
Speaker 5: I want to ask you about. It's baffling is when
Speaker 5: it came to subrogating and getting her her deductible. That's
Speaker 5: all I'm talking about right now. They said they combined
Speaker 5: them State Farm. Did they ensure both parties? They said
Speaker 5: they combined them into one claim. So they're only giving
Speaker 5: her five hundred dollars. But Liberty Mutual did two different
Speaker 5: claims and charged her one thousand dollars. Of course, five
Speaker 5: hundred per incident. What do you make of that.
Speaker 13: It's bizarre they could combine it if they're two separate losses.
Speaker 13: Yea happened at two different times, you're saying.
Speaker 5: Yeah, So what she's saying is she had the main one,
Speaker 5: let's call it the main one, and while they were
Speaker 5: fixing that, they found another leak that was effected Lisa
Speaker 5: from another apartment or another condo that happened to be
Speaker 5: insured by State Farm as well.
Speaker 13: Two separate too separate?
Speaker 6: Well, okay, and I other go ahead.
Speaker 13: What if the other unit owner was a different insurance company?
Speaker 13: You know, it's not like State Farm would cover that
Speaker 13: out of the first claim. It's no, those are two
Speaker 13: separate claims.
Speaker 6: It's ridiculous, is what you're saying.
Speaker 5: If she's correct, Okay, Now here's the bigger problem, and
Speaker 5: I've got answers, but I want to I want to
Speaker 5: really understand where I was hoping you could kind of
Speaker 5: explain where State Farm's coming from.
Speaker 6: So I'm going to push you up against the wall again.
Speaker 5: I agree they shouldn't combine them, but how the hell
Speaker 5: did they Where in their brain did they combine them?
Speaker 13: That makes no sense.
Speaker 5: Okay, That's all I needed to hear, because I couldn't
Speaker 5: I couldn't wrap my head around it. Now. The second thing,
Speaker 5: her total cost to get back to good was forty
Speaker 5: seven thousand dollars. She had the cap of twenty thousand
Speaker 5: on per so they gave her a total of forty
Speaker 5: thousand because they looked at it as two different claims,
Speaker 5: so she got forty. They still over seven. And now
Speaker 5: State Farm is saying we're not going to give you anything.
Speaker 5: And according to Lisa, which I find a little hard
Speaker 5: to believe, Lisa, they're not giving you any reasoning why
Speaker 5: they're not giving you anything on either claim.
Speaker 7: Correct.
Speaker 5: So I mean, Brian, what do you make of that?
Speaker 13: So here's what I would tell you, even whenever I
Speaker 13: heard what the claim was about. In general, this isn't
Speaker 13: always the case, but in general, it is very hard
Speaker 13: to collect damages from someone because of water claim unless unless.
Speaker 9: There is clear negligence.
Speaker 13: In other words, just because the pipe was in their
Speaker 13: unit and it bursts. I'm making that up. I don't
Speaker 13: know if that's what happened here, But let's ask.
Speaker 5: Her, Lisa, what do you know about the actual cause, Like,
Speaker 5: for example, today, turn the bathtub on or fill the
Speaker 5: bathtub up and it over load, or did a pipe break.
Speaker 5: What do you know about it? With the exception, you
Speaker 5: have water damage? We know you know that.
Speaker 12: Well.
Speaker 10: From the main water damage, the lady had an old
Speaker 10: and faulty connector to her toilet that she never fixed
Speaker 10: for twelve or fourteen.
Speaker 5: What the hell does that mean? An old faulty connector?
Speaker 5: You mean like a wax ring?
Speaker 10: I don't know.
Speaker 9: One of the All.
Speaker 5: Okay, well there you go. Let's say that's what it was. Brian,
Speaker 5: how would you look at that?
Speaker 13: Unless you're able to show that she was advised or
Speaker 13: told she needed to replace it, that's not necessarily negligence.
Speaker 13: I will just tell you I deal with these claims
Speaker 13: all the time, and almost always, unless there is clear negligence,
Speaker 13: your insurance is responsible for the damage that occurred, whether
Speaker 13: it was it was the result of something that happened
Speaker 13: above you. That's just how it worked. It's very hard
Speaker 13: to collect.
Speaker 5: Well, if they're saying I won't hold on though, Brian, Yeah,
Speaker 5: that's curious. You're saying that. So I realized this is
Speaker 5: a condo situation. But if they have something that old,
Speaker 5: I mean like a thirty year old pipe that's been
Speaker 5: leaking for thirty years, I mean shouldn't they have freaking
Speaker 5: known well.
Speaker 13: And that's the question. I mean, you would have to
Speaker 13: take that to court to prove that that, hey, this
Speaker 13: is negligence. They should have known. Who knows how long
Speaker 13: they've owned the unit. You can just see where it
Speaker 13: can get difficult to prove negligence, and so in most
Speaker 13: cases the insurance companies.
Speaker 5: Well, let's talk neg Let's talk negligence real quick.
Speaker 6: Let's say it's a house like in.
Speaker 5: Highland's Ranch and there's two homes and my sprinkler. Or
Speaker 5: let's say I got a water feature and I've got
Speaker 5: to add water to my water feature occasionally because of evaporation,
Speaker 5: and I put the hose in and I turn it on,
Speaker 5: and I actually leave on vacation forget the hoses on,
Speaker 5: and it uds into the neighbor's house. I assume my
Speaker 5: insurance is going to cover that neighbor.
Speaker 13: Well, your neighbor's insurance probably had flood insurance would cover
Speaker 13: theirs and then maybe try to sebrogate. But yeah, I
Speaker 13: think that would be evidence of some negligence there. Because
Speaker 13: you were the one that turned on the water, you
Speaker 13: walked away. That's pretty negligent. So I think that would
Speaker 13: be a pretty good case to go for.
Speaker 5: But a pipe, pipe in the wall, a pipe in
Speaker 5: the wall that no one knows about.
Speaker 15: That.
Speaker 5: I get where you're coming from. But if we're talking something, okay,
Speaker 5: no matter what, it's got to end up in front
Speaker 5: of a judge. So hold on now, right now, I
Speaker 5: want to lock in somebody else. Matt Stanford, he's with
Speaker 5: Paragon Services. This guy two different times in the last
Speaker 5: few years, my insurance company and Brian I use you guys,
Speaker 5: you can vouch for this. One time they said no
Speaker 5: roof damage and I think that was Safeco or maybe Alliance.
Speaker 6: I forget whoever it was. I had Mat out.
Speaker 5: We went from zero to an eighty thousand dollars check
Speaker 5: I got, I got a new roof, new pain everything.
Speaker 5: Then recently I think it was Safeco again they said
Speaker 5: I didn't have any damage, and basically Matt came out
Speaker 5: and got me almost forty thousand dollars. So he is
Speaker 5: what is called a public adjuster. So Lisa, we're gonna
Speaker 5: ask him right now. So oh, get her back on.
Speaker 5: When I picked him up, I dropped her. Lisa, call
Speaker 5: back in. That was my bad. We'll get you right
Speaker 5: back up. Matt, you kind of heard the story.
Speaker 6: What do you make of this?
Speaker 2: Man?
Speaker 5: If you got involved in this, what would you do?
Speaker 10: Well?
Speaker 1: From what I am just trying to mentally catch up here.
Speaker 1: So she had liberty mutual for her carrier.
Speaker 18: On her condo Churras.
Speaker 1: Yes, and there were two separate claims with two separate
Speaker 1: claim numbers, two separate issues, and they paid the full
Speaker 1: limit on both.
Speaker 5: Yes. Apparently her limit is two or twenty thousand dollars okay.
Speaker 1: So in this situation they're the good guys for her.
Speaker 1: The question is what did it take to repair every
Speaker 1: then get her back.
Speaker 6: To good forty seven?
Speaker 5: Seven thousand dollars more so.
Speaker 1: Seven thousand delta. So basically her the units that cause
Speaker 1: the damage to their State Farm carriers.
Speaker 5: They're both State Farm and interestingly enough, I've never heard
Speaker 5: about this, but Lisa is saying State Farm did reimburse.
Speaker 5: This is the part that gets a little weird. Lisa,
Speaker 5: you said that they did reimburse five hundred dollars to
Speaker 5: you for a deductible Is that correct?
Speaker 3: Yes?
Speaker 5: And they only gave her one saying there's only one claim,
Speaker 5: so State Farm because I guess they ensure both units
Speaker 5: are is claiming there's only one. So she did get
Speaker 5: five hundred, But the five hundred is really not the
Speaker 5: big deal, Matt. The big deal is that she had
Speaker 5: forty seven thousand dollars in damage.
Speaker 1: Yeah, so you would expect that after she's capped with
Speaker 1: her own insurance, that State Farm would pick up the
Speaker 1: rest or. There typically is an HLA involved in their
Speaker 1: insurance company, which would kind of take care of anything
Speaker 1: between the walls.
Speaker 6: No, it wasn't between the walls.
Speaker 5: Apparently, it's the water line going to the toilet, and
Speaker 5: it's really old and it was leaking right there, so
Speaker 5: it's not in the walls. It's literally at where it
Speaker 5: connects to the toilet.
Speaker 9: Well, the two different carriers, Okay.
Speaker 6: Where was this from?
Speaker 5: Where's the second one? Lisa from a toilet, from the
Speaker 5: toilet itself? Meaning what.
Speaker 6: So they're both from.
Speaker 2: A toilet.
Speaker 23: One, yes, well they can't yes, correct one.
Speaker 5: See that that makes no sense. They're they're combining it
Speaker 5: into one claim.
Speaker 7: Matt.
Speaker 5: Have you ever heard I got I gotta break guys.
Speaker 5: I'm sorry, I got to put you both on hold.
Speaker 5: I've got to take this break hold on. I'm dying
Speaker 5: to get to the bottom of this, So listen, We've
Speaker 5: got a lot kicking and I've got about forty five
Speaker 5: seconds before the music, So Matt and Brian, if you
Speaker 5: can hold on, that'd be great. Lisa hold on, and
Speaker 5: then John's got a comment on those texts we were
Speaker 5: talking about with DMV. But I simply do not have
Speaker 5: the time to get back to the phones. That's my bad,
Speaker 5: So I hope everybody holds on. We do have two
Speaker 5: lines open three zero three seven one three eight two
Speaker 5: five five three oho three Martino another hour coming up.
Speaker 5: Hopefully we can get to the bottom of this deal
Speaker 5: with Lisa and that and a lot more right after this.
Speaker 5: You're on the Troubleshooter Network ripped off, so you don't have.
Speaker 18: Come running.
Speaker 9: Just as as we can.
Speaker 5: Shooter's gonna help come. This is the Troubleshooter Show. No
Speaker 5: Ton martinocome. Welcome to the only show. But it's kind.
Speaker 5: We're here to solve problems, answer questions, take complaints. We're
Speaker 5: here to solve those problems. In fact, I'm going to
Speaker 5: jump right back to the phones because I have two
Speaker 5: experts on. Lisa called up in a nutshells, she's in
Speaker 5: a condo, she's on the bottom floor right above her.
Speaker 5: There's two condos that had a leak, both at the toilets.
Speaker 5: State Farm happens to be both of their insurance companies.
Speaker 5: Some reason, they combined both into one claim and only
Speaker 5: gave Lisa five hundred dollars. Now, there was forty seven
Speaker 5: thousand dollars in damage. The five hundred was basically one deductible,
Speaker 5: but once again, for whatever reason, as crazy as it sounds,
Speaker 5: State Farm actually combined according to Lisa, the two claims.
Speaker 5: None of us can understand that, but forty seven thousand
Speaker 5: dollars in damage. She turned it over to her own
Speaker 5: insurance company that had two different claims two different places,
Speaker 5: like there should be, but her maximum was twenty thousand
Speaker 5: per claim, so she got forty thousand, five hundred dollars
Speaker 5: and basically is still owed seven thousand dollars. Matt Stanford,
Speaker 5: Paragon Services, Brian Burns's Compass Insurance are both with me
Speaker 5: right now, and Lisa is still listening. We'll bring her
Speaker 5: up in a minute. But guys, where would you go
Speaker 5: from here? Let's go down to there. Matt, I think
Speaker 5: you got the recap right, so what would you possibly
Speaker 5: do in this circumstance.
Speaker 1: Well, number one, she needs to get the other five
Speaker 1: hundred compensations in the other claim. The way to do
Speaker 1: that is to find out who she needs to contact
Speaker 1: at State Farm. From my desk, I have no leverage
Speaker 1: because I represent the actual policy over.
Speaker 6: Yeah, who did everything right?
Speaker 2: Apparently?
Speaker 7: Yeah?
Speaker 1: I mean if they maxed out two different claims provo,
Speaker 1: you know that's great. Now one thing to consider. There
Speaker 1: may be there might be another category, my code upgrade coverage.
Speaker 1: If there's any electrical being worked on or anything that
Speaker 1: can be dealt with in a completely separate category. So
Speaker 1: let's say there's three thousand dollars in code upgrades coverage
Speaker 1: and he's done, you can move that to that category.
Speaker 1: So there's three grands in the right direction. Does that
Speaker 1: make sense?
Speaker 5: That makes sense? But I have no idea, Lisa. Do
Speaker 5: you know when they actually fixed everything? What did they do?
Speaker 23: Well, we had, but the entire bathroom had to be gutted,
Speaker 23: and the ceiling in the dining room and the entire
Speaker 23: floor in the whole condo had.
Speaker 10: To be gutted.
Speaker 6: Do you know if they had to do any code.
Speaker 23: Up grand and air conditioner.
Speaker 22: I don't know.
Speaker 9: The hvac they.
Speaker 5: Did they do? I'm sorry, Lisa, real quick? Did you
Speaker 5: say they had to replace the HVAC units?
Speaker 23: Yes, and the air conditioner because the water damaged it
Speaker 23: to a point where they couldn't fix it.
Speaker 5: I bet there would be a code upgrade on that,
Speaker 5: wouldn't you, Matt?
Speaker 19: Probably would be yes.
Speaker 1: And then if they got in the bathroom, you've got
Speaker 1: to have you know, GFCI outlets in the bathroom and
Speaker 1: that effect.
Speaker 5: Can you do this, Matt? Can you if she sends
Speaker 5: you over the information, do you mind eyeballing it just
Speaker 5: to see if there's another way to go through her
Speaker 5: own insurance company to pay some of it.
Speaker 1: Yeah, that's not a problem. Has the work been completed?
Speaker 1: Everything's done?
Speaker 17: Yeah?
Speaker 1: Okay, Yes, send me anything that you've got as far
Speaker 1: as the invoice from the contractor. They might have all
Speaker 1: that itemize.
Speaker 5: That's what would be the best, Lisa, if you have
Speaker 5: the invoices from the contractor, and then he's going to
Speaker 5: need your actual insurance policy from Liberty Mutual. Okay, Now,
Speaker 5: what do you guys think of this? Hopefully you can
Speaker 5: find some there, Matt, to try to make her whole,
Speaker 5: But I would sue both of them in small claims court.
Speaker 5: It's only going to cost you fifty bucks each, Lisa,
Speaker 5: fifty five, and I'd sue them for the exact same
Speaker 5: amount seventy five hundred, which is the tops for the damage.
Speaker 5: Then they're going to have to go to State Farm,
Speaker 5: and State Farm's either going to have to cough up
Speaker 5: money for an attorney to defend it, or they're going
Speaker 5: to end up paying you whatever is owned. Brian, what
Speaker 5: is your thoughts on that?
Speaker 13: That's exactly what my advice is going to be, And
Speaker 13: I'll tell you why, because I feel like State Farm
Speaker 13: opened the door by giving five hundred dollars already, they've
Speaker 13: almost admitted some liability in this.
Speaker 5: Hey, Matt, explain that once a company or either of you,
Speaker 5: Brian explained that I forgot about that.
Speaker 6: Once they pay you a nickel, they.
Speaker 5: Basically agreed that their client did something wrong. Now it's
Speaker 5: just negotiating how much right.
Speaker 13: With your own policy. And Matt deals with this all
Speaker 13: the time. You can go to appraisal, where if they
Speaker 13: just say something's not covered, appraisal is not always the
Speaker 13: best solution because they're not admitting fault to anything. Once
Speaker 13: they admit it in this case, though, the other insurance
Speaker 13: company that is already saying, hey, we're going to pay
Speaker 13: your productible, that would indicate that they're accepting some fault
Speaker 13: to me, and I would say that that would be
Speaker 13: a good lead in to a small claims type lawsuit.
Speaker 5: Lisa, I'm not kiddinged.
Speaker 6: It's only fifty bucks.
Speaker 7: Yeah.
Speaker 23: I also need to tell you that I have emails
Speaker 23: from State Farm point blank saying we accept full liability
Speaker 23: for everything.
Speaker 5: That's great, that's all going to come up with the judge,
Speaker 5: but you've got to file it. If they don't do
Speaker 5: anything at this point, I don't care what we're talking about.
Speaker 5: The only time you can have some of these companies.
Speaker 5: I don't care if it's at and T or uber
Speaker 5: or a hospital. I'm thinking of all the people I
Speaker 5: brought to small claims. I'm telling you right now, they
Speaker 5: just start ghosting you, because most people go away if
Speaker 5: you file small claims. It's only fifty dollars each on
Speaker 5: both of them. Those people are going to immediately call
Speaker 5: State Farm and they have no choice but to get involved.
Speaker 5: They can't ghost you anymore.
Speaker 23: Okay, it's really that easy that I'm happy to do it.
Speaker 5: Yeah, I'll tell you what you can email. I want
Speaker 5: this to go to Dmitri. So hold on. I'm going
Speaker 5: to have one of our deputies kind of email you
Speaker 5: some forms. He's not an attorney and it's not going
Speaker 5: to be legal advice, but he has filled them out
Speaker 5: numerous times and he can tell you the basics on
Speaker 5: filling out the paper and where to file them. You
Speaker 5: follow me. Then it's just very relaxed rules and you're
Speaker 5: going to show up with your emails. You're going to
Speaker 5: show up with your receipts, and I bet you're gonna
Speaker 5: end up with the money. I want you to follow
Speaker 5: back up with us.
Speaker 23: Go ahead, Lisa, I'm sorry, No, I hope so, I'd
Speaker 23: be happy to receive the help.
Speaker 12: Thank you.
Speaker 5: Yeah, so hold on, hold on, make sure we have
Speaker 5: all your information. Let me get you on hold there
Speaker 5: and then, guys, I appreciate you coming on, Brian, That's
Speaker 5: what I was thinking. Just like you small claims, this
Speaker 5: is made for it, Matt. You must agree with that absolutely.
Speaker 1: Yeah, you know, like I said, I can't do anything
Speaker 1: with another policy holder, but put that in a legal
Speaker 1: arena and they can knock it out of parking.
Speaker 5: All right, check it out everybody Brian Burns quote Compass
Speaker 5: dot com. Just reach out to them. They're great people.
Speaker 5: Where you can call Brian at three oh three nine
Speaker 5: ninety six nine thousand. They will one hundred percent look
Speaker 5: at what you got. Going as far as insurance coverage,
Speaker 5: make sure it's the proper coverage. They're never gonna sell
Speaker 5: you anything you don't need, but they're gonna make sure
Speaker 5: what you do need is there and hopefully they can
Speaker 5: beat the heck out of whoever you have and they're
Speaker 5: gonna shop it each year for you. That's what they do.
Speaker 5: That's why I've personally used and Brian, I appreciate you
Speaker 5: coming on. And then on top of that, Matt Stanford,
Speaker 5: if you're fighting with your own insurance company, maybe they
Speaker 5: only want to pay you for roof damage, but you
Speaker 5: have siding damage, fent damage, you have a lot of
Speaker 5: other damage, but they don't want to talk about it.
Speaker 5: That's when you call Matt. Matt gets every single penny
Speaker 5: that insurance company owes you. And then, like me, if
Speaker 5: they're telling you the original damage, you get Matt involved
Speaker 5: from the beginning and he'll get out there and proved
Speaker 5: to him there is damage and basically gets you a
Speaker 5: big fat check like you got me, Matt Brian. I
Speaker 5: appreciate both of you coming on. Matt can be found
Speaker 5: at Paragonservices dot com. Paragonservices dot com. John hold On,
Speaker 5: we got two lines in open three zero three seven
Speaker 5: one three eight two five five. We've got an update
Speaker 5: from this morning as well. I put Deputy Bow on
Speaker 5: a call about Relaxium. This poor lady was charged a
Speaker 5: couple hundred dollars. She's in her nineties for this product
Speaker 5: that helps you sleep that she hasn't dealt with for
Speaker 5: five years. Wait till you hear the update President Trump.
Speaker 5: Elon Musk, Oh, my god, Tesla down fifteen plus percent.
Speaker 5: Basically the stuff we're hearing back and forth, I mean
Speaker 5: X in Twitter or whatever you want to call it.
Speaker 6: These days, along with true social going.
Speaker 5: Absolutely crazy, absolutely crazy, Elon thinks this big beautiful bill sucks.
Speaker 5: And there's a couple reasons. He thinks that he owns
Speaker 5: an electric car company and they get rid of all
Speaker 5: the subsidies. Quite frankly, I don't care about that, but
Speaker 5: if I was Elon, I'd care about a big time.
Speaker 5: Elon's saying. Without me, Trump would have lost this election. Suzanne,
Speaker 5: you brought up something interesting about the Epstein files.
Speaker 6: Who said that? And are we sure they said it?
Speaker 2: Who said what that? He was in the epstate one
Speaker 2: of our YouTube beasts.
Speaker 6: Okay, well, I don't trust our YouTube beas.
Speaker 7: Wow.
Speaker 5: I mean if I actually saw it myself, what did
Speaker 5: they say that that?
Speaker 6: Yeah, I'd have to see that myself.
Speaker 5: I have no idea. But Mark, when I went back,
Speaker 5: you were saying on your Twitter feed you actually saw
Speaker 5: Elon say that.
Speaker 8: No, I said one of the YouTube's put that Elon
Speaker 8: said that.
Speaker 12: Yeah.
Speaker 5: Well, I'd have to see that myself.
Speaker 2: It doesn't you know.
Speaker 8: Mark, When I went back and looked at those logs
Speaker 8: six or seven months ago, he was there with his
Speaker 8: wife and kids, and in the flight.
Speaker 2: Log that's it. Yeah, yeah, Trump, That's what I'm talking about.
Speaker 6: So was Bill Clinton? So was everybody right?
Speaker 5: Anybody anybody in politics on either side was at that
Speaker 5: island at some point? Who went there with their family?
Speaker 5: I think Trump went there with his family, but I'll
Speaker 5: go on X he didn't go to the island. Okay,
Speaker 5: who went to the island with their family? They were
Speaker 5: trying to give them crap. I don't remember who it was.
Speaker 5: I thought it was Trump and he was there with
Speaker 5: like his daughter or something. Say that again. He used
Speaker 5: the plane. Jeffrey flew him somewhere. Oh okay, but it
Speaker 5: wasn't to the secret Rape Island. No, just like Trump
Speaker 5: flew Mandela. So same deal.
Speaker 12: Man.
Speaker 5: I can't believe these two are fighting like this. It
Speaker 5: is absolutely crazy. They're both bearing themselves. I mean especially well.
Speaker 5: They both are musk for the life. I mean, listen,
Speaker 5: I love Tesla. You listen to this show. I've never
Speaker 5: owned a better car in my life. It is the
Speaker 5: most favored vehicle I ever owned, and I won't stop
Speaker 5: buying them. I absolutely love them. I've never been in
Speaker 5: a vehicle that can drive me wherever I tell it
Speaker 5: to drive me and I don't have to touch anything.
Speaker 5: What's it say?
Speaker 2: Yeah, so it does? Thank you.
Speaker 8: Libby says, time to this is from Elon on the
Speaker 8: X account. Time to drop the really big bomb at
Speaker 8: real Donald Trump is in the Epstein files. That's the
Speaker 8: real reason they have not been made public. Have a
Speaker 8: nice day, djt.
Speaker 6: Oh smack, daddy smack, daddy.
Speaker 5: Smack. And then Trump came back and said the only
Speaker 5: reason he said, richest man in the world. I'm paraphrasing
Speaker 5: is because all not only the subsidies for electric vehicles,
Speaker 5: but for all the government contracts. I mean, they are
Speaker 5: whooping up on each other. You know, the liberals are
Speaker 5: loving this. MSNBC's got to be a twitter right now.
Speaker 5: I mean, this is some crazy stuff. If I didn't
Speaker 5: known Tesla Stock, i'd be relishing in this fight. And
Speaker 5: I like both of them. I love both of them,
Speaker 5: but man, talk about a feud. Talk about a freaking feud.
Speaker 5: There's gonna be a lot of news on this big,
Speaker 5: beautiful bill, and I don't know how I feel about that.
Speaker 5: I thought, honestly, the whole reason I thought DOGE was
Speaker 5: in existence was to make it so we don't make
Speaker 5: the deficit higher. But they want a lot of trillions
Speaker 5: in this bill, which I don't understand. So I understand
Speaker 5: what Musk is saying. But I also understand what Trump's saying.
Speaker 5: Trump's saying, hey, we're cutting a lot of stuff. You'd
Speaker 5: never see that from the demo. And I need money
Speaker 5: for the border wall. I need money just for security
Speaker 5: in general. So I get that too. But man, they
Speaker 5: are at each other's throats. There's some good stuff, right
Speaker 5: here unless you own musk stock like I do. But
Speaker 5: let me tell people that to do own it, don't
Speaker 5: panic on it. And I'll tell you why. It's not
Speaker 5: just car sales, the automation that they're going to be
Speaker 5: selling the Nissan and Hondai and Chevy and Ford in
Speaker 5: any company, all these manufacturers. It's going to take a
Speaker 5: couple of years, but no one can do what he
Speaker 5: does right now. No one can do what he do.
Speaker 5: Those taxis are now in Texas out there completely self
Speaker 5: driving taxis. It's insane and you'll be able to buy
Speaker 5: one for yourself. It's just crazy. And then the robot.
Speaker 5: Think about this for thirty to forty Elon always exaggerates
Speaker 5: when it comes to price, I promise, but thirty thousand
Speaker 5: for the robot, let's say it's forty twenty five percent higher.
Speaker 5: Seems to be what he does twenty five percent higher.
Speaker 5: But you have a robot that literally trains with AI.
Speaker 5: If you want to teach it how to scramble eggs,
Speaker 5: you show it a video of somebody scrambling eggs and
Speaker 5: it literally learns how to scramble eggs for you. If
Speaker 5: you want to show it how to mow the lawn,
Speaker 5: and I'm sure a lot of this stuff will be
Speaker 5: there when you buy it. But it's self training. You
Speaker 5: show it videos and it learns how to do whatever
Speaker 5: task it is.
Speaker 6: It could be.
Speaker 5: Working at Walmart stocking shelves by simply watching videos. It's amazing.
Speaker 5: It's like nothing I've ever seen. And that's AI. And
Speaker 5: then his AI stuff is incredible as hell. Just his
Speaker 5: AI format where you can actually build models and pay
Speaker 5: for the models. I mean, he's competing with all the
Speaker 5: big boys in AI. And that's all part of Tesla.
Speaker 5: All of that wraps up into Tesla. Then I'll get
Speaker 5: off it right after this. But listen to this. This neurolink.
Speaker 5: There's a guy out there with a neurallink that hasn't
Speaker 5: spoken to his family for years. After some kind of
Speaker 5: devastating accident or some kind of something, I don't know
Speaker 5: what it was. He hasn't been able to speak for years,
Speaker 5: cannot talk. Neurallink in his brain. Now you can look
Speaker 5: this up. He talks right through a computer. His thoughts
Speaker 5: come right through it, and he talks in his own
Speaker 5: voice because of the AI function copies it. He talks
Speaker 5: to his family now and cannot talk without neulink. Think
Speaker 5: about if your legs don't work and they can rewire
Speaker 5: with neurlink and all of a sudden a quadriplegia can
Speaker 5: just walk around. That is going to be one of
Speaker 5: the most incredible things that probably happens in my lifetime
Speaker 5: will be neurolink. And it's just crazy and this is
Speaker 5: all musk, but man, this feud is freaking, absolutely bonkers.
Speaker 5: John has a comment on the DMV issue we were
Speaker 5: talking about, which happens to be crossing the double lines.
Speaker 5: People are getting seventy five dollars tickets for crossing a
Speaker 5: double line. The problem is a lot of people get
Speaker 5: them when they're coming out of the toll. They paid
Speaker 5: the toll, but they got to get their exit, so
Speaker 5: they cross to get out of the double lines to exit,
Speaker 5: and they're getting a seventy five dollars ticket.
Speaker 19: John, Yes, Hi, Actually I want to talk about something
Speaker 19: that Doc had said earlier about the texts that people
Speaker 19: are receiving from the DMV.
Speaker 5: Yes, saying basically, pay this amount to this link right now,
Speaker 5: or you might not be able to register your car,
Speaker 5: or we're going to send the police after you.
Speaker 12: Prifice lives will be suspended. All that kind of stuff. Yeah,
Speaker 12: go ahead, John, Yeah.
Speaker 19: I live in southern Arizona and I've received two of
Speaker 19: them in the last three weeks. I delete them and
Speaker 19: report them as spam. But if you read through there,
Speaker 19: it's a teenager that's writing those things up. There's not
Speaker 19: they're not a command of the English language. Number one,
Speaker 19: number two. If you look at the phone number six
Speaker 19: three is a country code for the Philippines.
Speaker 5: Yeah.
Speaker 12: Yeah, I mention that that's a plus six three.
Speaker 5: If there's a six y three is one hundred percent
Speaker 5: phony Bologne. In all honesty, if you get anything like
Speaker 5: this in the form of a text, in ninety nine
Speaker 5: percent of the time it's phony Bologne. I don't care
Speaker 5: if the six three are the country codes there or not.
Speaker 5: But that's interesting that you pointed that out. This particular
Speaker 5: one I'm looking.
Speaker 2: At that's from JR. From the road Marks, from one
Speaker 2: of our YouTubers.
Speaker 5: This one just has a link to pay but it's
Speaker 5: this possible legal prosecution crack rating damage.
Speaker 12: I got a post from now it's Arizona, Maryland, Pennsylvania, Colorado,
Speaker 12: so it's it's nationwide.
Speaker 5: John. The other thing is I bet as soon as
Speaker 5: you block the number, it pops up under a different one.
Speaker 19: Yeah, I don't keep track of it, but I know it.
Speaker 19: I know it's not true. One of the if you
Speaker 19: read down there through all the little things that they're
Speaker 19: going to do to you, they go to number three
Speaker 19: and it's blank, and then they put number three again
Speaker 19: and they tell you they're gonna lock you up in
Speaker 19: a toll booth or something like that, or they're going
Speaker 19: to report it to a toll booth. So you know,
Speaker 19: if you read all the way through there, you know
Speaker 19: that they're you know what, they don't understand the English language.
Speaker 5: John, you know what's scary. You know, Tom jokes about it.
Speaker 5: But ever since I've got Google's AI on my email,
Speaker 5: especially if i'm what I call angry typing, like I'm
Speaker 5: going after a company or I'm like pecking away. Just
Speaker 5: but I can hit one button now and that damn
Speaker 5: thing fixes the email to whatever I want.
Speaker 2: Meaning.
Speaker 5: Do I want it to come off a little angry,
Speaker 5: Do I want it to come off professional? Do I
Speaker 5: want it to come off any which way? I have
Speaker 5: numerous different things to choose from. It's amazing to me
Speaker 5: whoever wrote this, somehow they can send it to like
Speaker 5: every phone in existence, but they're not smart enough to
Speaker 5: clean it up.
Speaker 6: I mean that seems absurd, doesn't it.
Speaker 12: Yeah.
Speaker 19: The other thing that happens too is when I first
Speaker 19: received the very first one, it gave me like a
Speaker 19: week to respond or they're gonna do all these things.
Speaker 6: Luck you're the tollbooth.
Speaker 5: I love them to delete it.
Speaker 19: But then I receive another one a week later with
Speaker 19: the expiration date another week down the road.
Speaker 5: Yeah, have you ever? I'm just curious, John, nothing to
Speaker 5: do with these texts. These these would be, I hate
Speaker 5: to say, hard to fall for, because I know people do.
Speaker 5: Because what happens is they might have gotten a notice
Speaker 5: from wherever they live that's a legitimate notice in the mail.
Speaker 5: Then they get this text and they associate it too,
Speaker 5: and they take care of it, not realizing they're not
Speaker 5: taking care of the legitimate one. So stuff like that happens.
Speaker 5: But have you ever been taken in your lifetime?
Speaker 7: We have.
Speaker 5: I'm sure you've been scammed at some point. What was it?
Speaker 19: No, I would I have to say, no.
Speaker 5: Wow, that's pretty impressive, that's really impressive. I had a
Speaker 5: GM take me for a quarter million dollars years ago.
Speaker 5: That'd be my biggest one.
Speaker 19: Well, I had a business and yeah, that that happens.
Speaker 19: You got to keep your eyes open.
Speaker 5: Yeah, I'll tell you the worst. That the highest guy
Speaker 5: is the guy to watch out for.
Speaker 12: John.
Speaker 5: I appreciate that call. Justin's got to comment on AI
Speaker 5: doc real quick. What are you going to say? I said, nothing,
Speaker 5: all right, justin hold on your next three oh three
Speaker 5: seven one three talk three oh three seven one three
Speaker 5: eight two five five. Don't forget help in troubleshooter dot com.
Speaker 5: That number is invaluable or that email. We answer those
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Speaker 5: Talk to Dan seven to zero eight two one seven
Speaker 5: six zero four seven two zero eight two one seven
Speaker 5: six zero four justin real quick, what is your comment
Speaker 5: on AI.
Speaker 24: And Arthur talking about this. I just want to bring
Speaker 24: a few points up. There's been three stories and I'm,
Speaker 24: you know, somewhat skeptical of a I understand it could
Speaker 24: be really good for us. The last few months, they've
Speaker 24: had reports where AI refused to turn itself off. Yeah,
Speaker 24: it was given a direct command.
Speaker 5: It's like determinator.
Speaker 24: It's just like the terminative had one where targeted its
Speaker 24: own chooser for missile defend, so it wouldn't turn off
Speaker 24: and try to kill its own user in a theoretical scenario.
Speaker 5: Yeah, of course they have one like a Skynet go
Speaker 5: where they exactly.
Speaker 24: They had one week ago where they gave it you
Speaker 24: know again, fictional scenario.
Speaker 6: Yeah, it's crazy.
Speaker 24: Control of somebody's email and it tried to blackmail the person.
Speaker 18: Here.
Speaker 5: Here's the deal man, Uh, it is what it is.
Speaker 5: The people that set it up on these models. It's
Speaker 5: so smart. It can learn everything. It can go onto
Speaker 5: the dark web, it can learn whatever. You know, some
Speaker 5: of the things they don't. I got to put you
Speaker 5: on hold there. I do appreciate that, justin, and some
Speaker 5: of those stories I have read as well. And I
Speaker 5: do believe the one on where it didn't want to
Speaker 5: shut itself off, I believe that actually happened. AI in general, though, Uh,
Speaker 5: you gotta love it. And what I mean by that
Speaker 5: is we have no choice. You have to embrace it.
Speaker 5: You don't have to love it, but it's not going
Speaker 5: away under any circumstances of going away. What we have
Speaker 5: to do is figure out safety catches in there. But
Speaker 5: once again, if it's coming out of China, there might
Speaker 5: be a model. In fact, I think it's called I
Speaker 5: forget what their model is, but you can probably do
Speaker 5: anything in the US with it. But if you're in China,
Speaker 5: it's not going to do any negative to the regime.
Speaker 5: So it is what it is. You have to embrace
Speaker 5: it because there's no other choice at this point. But yeah,
Speaker 5: it's scary as hell, there is no doubt about it.
Speaker 5: That is one scary thing. Hey, we've got an update
Speaker 5: on relaxium. Lady called up, said, all of a sudden,
Speaker 5: six bottles of relaxium. It's sold by what's that guy's name,
Speaker 5: Michael Hancabee.
Speaker 17: For governor, Yeah, for mencial candidate.
Speaker 5: And candidate it showed up. They charged her credit card
Speaker 5: one hundred and seventy nine bucks. She's like, we have
Speaker 5: not dealt with relaxium for five years. Apparently in twenty
Speaker 5: twenty they ordered some. It didn't work. They haven't thought
Speaker 5: about it again. Bo, you called up, would we find out.
Speaker 20: Yeah, they're very nice company. Just real quick. My cook
Speaker 20: could be answered and talked to me.
Speaker 6: Oh, shut it, no, I'd be so impressed. If that
Speaker 6: was I'd be funny.
Speaker 20: He was on the voicemail. So I talked to Woody,
Speaker 20: explained the situation. Apparently Barbara ordered this six bottles in
Speaker 20: September twenty twenty four. I said that was too long
Speaker 20: her her husband passed away. She doesn't need this relaxing
Speaker 20: product anymore.
Speaker 5: She's in her nineties.
Speaker 17: They were very nice. They had canceled the order.
Speaker 19: Love it.
Speaker 20: They're getting a charge back her credit card. And they
Speaker 20: said that she could keep the product. So I called Barbara.
Speaker 6: And I said, she got freebie.
Speaker 2: She can.
Speaker 20: She said, I don't know what to do with it,
Speaker 20: and I said, we'll give it to your neighbor, or
Speaker 20: take it to good will.
Speaker 6: Or I'll take a bottle of it she lived.
Speaker 17: If she lived in Denver, i'd pick it up.
Speaker 12: Yeah.
Speaker 5: I've always been curious if it works or not. I
Speaker 5: mean anything like that. But anyhow, great job, Bo, great job.
Speaker 5: I'll make sure Tom gives you his digger. More coming
Speaker 5: up right, Listen, I want to talk to become the
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Speaker 2: Okay, he had listen to this.
Speaker 5: He's got Social Security of about thirty eight hundred a
Speaker 5: month and he's seventy years old. He works part time
Speaker 5: at he's one of the people that check the receipt
Speaker 5: when you leave Costco. So he's got that job where
Speaker 5: he's making a couple grand. When he's done with that job,
Speaker 5: and he you know, he might want to do that
Speaker 5: job till he can't absolutely, I mean, he might do
Speaker 5: it another ten years. So when he was talking about
Speaker 5: an annuity and he'd get it now for roughly I
Speaker 5: think it was two hundred thousand or one hundred thousand,
Speaker 5: whatever it was going to be, and he would get
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Speaker 5: when he does retire and he doesn't have that income
Speaker 5: from Costco anymore, this would actually take over that income.
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Speaker 5: doesn't have to go to.
Speaker 4: It's making that money work for you. You're able to
Speaker 4: have that money pay and if you.
Speaker 5: Can't lose principle, that's the part a lot of people,
Speaker 5: especially seniors or they're getting ready to retire. You can't
Speaker 5: lose money and if they die. What happens if they
Speaker 5: die before they turn on any of it. Let's say
Speaker 5: ghost there one hundred thousand at fifty, at fifty years old,
Speaker 5: and now all of a sudden they're seventy years old,
Speaker 5: they decide to turn on the income and they die.
Speaker 5: What happens.
Speaker 4: That money will go to their beneficiaries, whether it be the.
Speaker 6: Spouse first value of the full.
Speaker 5: Value, or can go to kids. Unlike regularly one penny
Speaker 5: full value, if that hundred thousand is now worth three
Speaker 5: hundred thousand, they get three hundred.
Speaker 4: Thirs hud grand paid out. And on top of that,
Speaker 4: we also hit on the long term care. You know,
Speaker 4: for anybody who's looking at this, this is going to
Speaker 4: give you that paycheck, just like the gentleman who works
Speaker 4: with costco payout get income. But then of course life happens.
Speaker 4: We need health care, we need health benefits. This has
Speaker 4: long term care built into it so that they can
Speaker 4: have a double pay house or at a facility, and
Speaker 4: it'll pay two times whatever that paycheck is to help
Speaker 4: cover those costs.
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Speaker 5: I'm sixty years old. I'm seventy years old, and here's
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Speaker 5: put all my money into an annuity period, end of story.
Speaker 5: But let's say you need two thousand dollars a month
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Speaker 5: me is a twenty year old. Listen to this, twenty
Speaker 5: year old grandparents listen to me, a twenty year old
Speaker 5: ten thousand dollars when they RETI I think we use
Speaker 5: the age seventy or sixty nine, whatever it was, they.
Speaker 6: Have a million dollars.
Speaker 5: Can you imagine looking back going first of all, the
Speaker 5: grandparents dead or they're the oldest person in the world.
Speaker 6: But think about it. You go to retire.
Speaker 5: Now, all of a sudden, you're you're sixty nine and
Speaker 5: you find out that your grandmother left you a million dollars.
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Speaker 5: signed up for that webinar. It's absolutely free. It's coming
Speaker 5: up on Tuesday at five thirty pm next week My
Speaker 5: Money Myway dot com or call them three oh three
Speaker 5: seven seven nine sixty six hundred three oh three, seven
Speaker 5: seven nine sixty six hundred everybody three oh three. Martina
Speaker 5: works on and off the air. Help Troubleshooter dot com.
Speaker 5: See you tomorrow. Follow Tom Martino at Real Tom Martino.
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