WEBVTT 1 00:00:00.160 --> 00:00:01.240 And off. 2 00:00:05.200 --> 00:00:09.519 Ripped off news. 3 00:00:09.679 --> 00:00:10.560 So you don't have. 4 00:00:12.720 --> 00:00:15.160 Come running suspass as we can. 5 00:00:16.399 --> 00:00:19.719 Shooter's gonna help coming man. 6 00:00:19.879 --> 00:00:25.719 This is the Troubleshooter Show. No, Tom Martinez, welcome, Welcome 7 00:00:25.760 --> 00:00:28.480 to the only show but Scott. We're here to solve problems, 8 00:00:28.559 --> 00:00:32.359 answer questions, take complaints. Our goals to make your life 9 00:00:32.520 --> 00:00:34.920 just a little bit better. If you've been ripped off 10 00:00:35.000 --> 00:00:37.320 or taken advantage of I'd love to talk to you. 11 00:00:37.679 --> 00:00:39.200 I would love to help you. 12 00:00:39.240 --> 00:00:43.600 Maybe a bad ladlord, maybe a bad attorney for that matter. Contractors. 13 00:00:43.640 --> 00:00:46.119 Of course, we hear about a lot of roofers this 14 00:00:46.240 --> 00:00:48.799 time of year, after big hailstorms. But if you have 15 00:00:48.840 --> 00:00:53.159 a problem or just a question, this show is for you. 16 00:00:53.240 --> 00:00:56.759 I got three lines open three oh three seven one 17 00:00:56.880 --> 00:01:03.479 three eight two five five three zero three Martino, Now 18 00:01:03.520 --> 00:01:06.400 I got to pull up my call screener. Suzanne, you 19 00:01:06.480 --> 00:01:09.040 might have to No, it looks like I got it 20 00:01:09.079 --> 00:01:13.480 here bingo three oh three seven one three eight two 21 00:01:13.560 --> 00:01:17.319 five five. By the way, Joe Keano joins me my 22 00:01:17.519 --> 00:01:21.000 moneymway dot Com. We're gonna dive into some of his products. 23 00:01:21.040 --> 00:01:24.760 He basically has different products. One, of course, are annuity 24 00:01:24.840 --> 00:01:28.879 products and we'll talk about good annuities, bad annuities, and 25 00:01:29.000 --> 00:01:31.680 what makes one good and what makes one bad. They 26 00:01:31.719 --> 00:01:36.879 also have the become the Banker product, which is very curious. 27 00:01:37.319 --> 00:01:38.159 It's basically a. 28 00:01:38.120 --> 00:01:42.439 Way to build retirement back by a life insurance policy. 29 00:01:42.879 --> 00:01:46.920 And his own son, Jordan, actually used that growing up, 30 00:01:46.920 --> 00:01:49.920 which I find pretty cool, and that's something you might 31 00:01:49.959 --> 00:01:52.680 consider for your kids or grandkids. It's a good way 32 00:01:52.719 --> 00:01:56.159 to start thinking about retirement when someone in their twenties 33 00:01:56.280 --> 00:01:59.680 or even younger never does. I mean, it's pretty it's 34 00:01:59.680 --> 00:02:03.319 pretty amazing. Three zero three seven one three eight two 35 00:02:03.319 --> 00:02:06.959 five five. Deputy Doc joins me. Suzanne, my beautiful wife 36 00:02:07.040 --> 00:02:10.159 to the left, and then of course Joe across from me. 37 00:02:10.319 --> 00:02:14.000 Kelly answering your phones, and I assume we have Shannon 38 00:02:14.120 --> 00:02:16.639 back there running the board. Hey Mike, what's going on 39 00:02:16.680 --> 00:02:18.360 with you? What's going on with Verizon? 40 00:02:20.240 --> 00:02:24.199 Well, towards the end of last month, my girlfriend and 41 00:02:24.240 --> 00:02:28.599 I went into Verizon to switch her from T Mobile 42 00:02:28.840 --> 00:02:32.840 to my account on Verizon. Okay, I have been a 43 00:02:32.879 --> 00:02:40.159 customer of theirs since cell phones became a thing, and 44 00:02:40.840 --> 00:02:46.800 as you might expect, their new estimated bill is not 45 00:02:47.000 --> 00:02:50.360 what I'm being built and I'm wondering if you have 46 00:02:50.400 --> 00:02:51.719 an angel at Verizon. 47 00:02:52.159 --> 00:02:54.199 Well, we do have an angel, but help me out 48 00:02:54.199 --> 00:02:55.639 with what you actually thought. 49 00:02:55.759 --> 00:02:57.599 So you were going to add a phone to it. 50 00:02:57.879 --> 00:03:02.319 I assume she's bringing over her own phone. 51 00:03:02.719 --> 00:03:06.479 She was, but I was available for upgrade, so we 52 00:03:08.039 --> 00:03:12.919 upgraded her phone to the free one that was available. 53 00:03:13.039 --> 00:03:15.159 All right, So you got to end up Well, when 54 00:03:15.159 --> 00:03:17.919 you say it's free, it's generally based on credits, right, 55 00:03:18.280 --> 00:03:20.560 or are they giving you one hundred percent free phone? 56 00:03:20.560 --> 00:03:24.199 Because typically they never do that. Typically they you know, 57 00:03:24.240 --> 00:03:27.159 it's one thousand dollars phone, they charge you to say 58 00:03:27.240 --> 00:03:29.400 fifty bucks a month, but then they give you a 59 00:03:29.439 --> 00:03:32.439 credit of say forty five bucks a month or fifty 60 00:03:32.479 --> 00:03:35.560 bucks a month towards the phone for X amount of years. 61 00:03:35.639 --> 00:03:39.639 So eventually after two or three years it's free. 62 00:03:41.280 --> 00:03:43.879 I was available for an upgrade, so there was no 63 00:03:44.039 --> 00:03:45.159 charge for this phone. 64 00:03:45.400 --> 00:03:48.039 Okay, So did they end up charging you? What's the 65 00:03:48.120 --> 00:03:50.800 actual problem? How much did you think it was going 66 00:03:50.840 --> 00:03:52.479 to be? Maybe we should start there. 67 00:03:54.159 --> 00:03:59.560 Okay, So I have a document from our in store 68 00:03:59.680 --> 00:04:03.199 visit that says our new monthly bill will be one 69 00:04:03.280 --> 00:04:06.759 hundred and fifteen dollars and fifty sixty one six. 70 00:04:06.719 --> 00:04:08.039 And how much was it prior to that? 71 00:04:08.120 --> 00:04:10.439 Twenty dollars? If we signed up for auto. 72 00:04:10.120 --> 00:04:12.479 Pay, how much was it prior to that? And how 73 00:04:12.560 --> 00:04:14.199 much was just your phone on there? 74 00:04:15.800 --> 00:04:17.439 About sixty eight dollars? 75 00:04:17.639 --> 00:04:19.439 Okay, so it was going to go down a little 76 00:04:19.480 --> 00:04:21.120 per line. So it was going to be about one 77 00:04:21.160 --> 00:04:23.879 hundred and fifteen according to this paper. So when you 78 00:04:23.959 --> 00:04:28.720 got the first bill, what's the discrepancy? What's different about it? 79 00:04:29.720 --> 00:04:32.600 Well, the first bill is all always higher because we 80 00:04:32.639 --> 00:04:37.360 added her phone and there's some BSPs on there. Of course, 81 00:04:37.560 --> 00:04:44.920 the new current monthly bill, according to the Verizon app, 82 00:04:45.399 --> 00:04:49.120 is estimated at right at one hundred and thirty dollars 83 00:04:49.839 --> 00:04:55.480 instead of the ninety five sixty one that I have 84 00:04:55.720 --> 00:04:56.279 in writing. 85 00:05:00.199 --> 00:05:03.639 So you don't think go ahead, Susan, I thought you 86 00:05:03.680 --> 00:05:07.079 said with the in store visit said your your estimated 87 00:05:07.160 --> 00:05:09.720 future bill would be one fifteen sixty one? 88 00:05:09.759 --> 00:05:11.079 Did I misunderstand? 89 00:05:12.680 --> 00:05:15.519 No, that's correct. But if we signed up for autopay, 90 00:05:15.839 --> 00:05:17.439 they'll take twenty dollars a month off. 91 00:05:17.959 --> 00:05:20.160 Oh that's pretty good. You're sure it's twenty bucks a 92 00:05:20.160 --> 00:05:21.720 month for autobi doesn't make sense. 93 00:05:23.639 --> 00:05:27.199 That's what she told me, Okay, what i'ven't written down. 94 00:05:27.360 --> 00:05:29.600 Is that where the discrepancy is going to lie? Is 95 00:05:29.600 --> 00:05:36.279 that twenty bucks? No, the discrepancy is Hey, I realized 96 00:05:36.319 --> 00:05:39.279 the first pill was one sixty. Have you received a 97 00:05:39.319 --> 00:05:41.680 second bill? 98 00:05:42.000 --> 00:05:44.879 No? But it's on the Rizon app and it shows 99 00:05:44.920 --> 00:05:49.120 that at right at one hundred and thirty dollars instead 100 00:05:49.160 --> 00:05:52.680 of the ninety five sixty one that I have in writing. 101 00:05:54.519 --> 00:05:58.519 Well, now you're even more confusing. You mean, so after 102 00:05:58.560 --> 00:06:01.600 that twenty dollars, it's one fifteen down to ninety five. 103 00:06:02.360 --> 00:06:04.399 And when you say have that in writing, what does 104 00:06:04.439 --> 00:06:06.319 that mean? It's in writing from who? 105 00:06:08.279 --> 00:06:13.279 From Verizon? It's a document we received when we signed 106 00:06:13.279 --> 00:06:16.040 her up and added her to my account. 107 00:06:18.399 --> 00:06:21.079 And the document, once again though, is from where, like 108 00:06:21.160 --> 00:06:24.319 from their website? Where is it from? 109 00:06:24.560 --> 00:06:28.600 No, it was printed out by the customer service person 110 00:06:28.680 --> 00:06:30.160 that helped us in the store. 111 00:06:30.279 --> 00:06:31.000 In what store? 112 00:06:31.120 --> 00:06:33.639 Was it actually owned by Verizon or was it one 113 00:06:33.680 --> 00:06:37.160 of these stores that basically is individually owned. 114 00:06:38.800 --> 00:06:40.920 No, it's a Verizon store in Belmar. 115 00:06:41.120 --> 00:06:42.600 What is the address of that store? 116 00:06:42.720 --> 00:06:43.079 Ares? 117 00:06:45.639 --> 00:06:48.120 Is it the only one in Belmar? That's pretty small area. 118 00:06:49.360 --> 00:06:50.879 Yeah, it's the only one in Belmar. 119 00:06:51.480 --> 00:06:54.120 And I'm actually looking it up. So they gave you 120 00:06:54.199 --> 00:06:56.480 something in writing saying your new bill is going to 121 00:06:56.519 --> 00:06:59.240 be ninety five bucks. So when you call Verizon, what 122 00:06:59.279 --> 00:06:59.920 do they say? 123 00:07:01.720 --> 00:07:04.240 Well, that's another thing. Because I had a problem with 124 00:07:04.319 --> 00:07:07.879 my account. I needed to reset it and they screwed 125 00:07:07.959 --> 00:07:13.680 up the autopay. So two weekends ago, I was on 126 00:07:13.800 --> 00:07:16.839 hold for three and a half hours. 127 00:07:16.839 --> 00:07:20.279 Hey, would that be Lakewood one eight supervisor? Would that 128 00:07:20.360 --> 00:07:22.040 be the Lakewood Verizon store? 129 00:07:23.360 --> 00:07:23.639 Yes? 130 00:07:24.000 --> 00:07:26.279 Okay, keep going. What were you saying? So they screwed 131 00:07:26.279 --> 00:07:28.439 the they screwed up the auto pay. 132 00:07:28.480 --> 00:07:29.240 So what happened? 133 00:07:31.160 --> 00:07:33.040 So I was on hold for three and a half 134 00:07:33.120 --> 00:07:35.879 hours waiting to get to a supervisor. We got all 135 00:07:35.879 --> 00:07:41.439 that straightened out. The bill was paid on June second 136 00:07:41.519 --> 00:07:47.720 through auto pay. Okay, but uh, I don't dare call Verizon. 137 00:07:48.199 --> 00:07:50.959 They're eight hundred number again. If anything, I was going 138 00:07:51.040 --> 00:07:54.560 to go into the Belmar store, but I was hoping 139 00:07:54.600 --> 00:07:57.160 you had an angel that can get this sorted out. 140 00:07:57.399 --> 00:07:59.639 Yet, Well, we might have an angel if there's something 141 00:07:59.680 --> 00:08:01.959 to sort out. I mean, we definitely have an angel, 142 00:08:02.000 --> 00:08:03.160 don't Well yeah. 143 00:08:02.920 --> 00:08:05.800 But I personally Mark, I think he needs to address 144 00:08:05.839 --> 00:08:06.759 the store folks. 145 00:08:06.800 --> 00:08:08.360 First, and then let us SNI. 146 00:08:08.560 --> 00:08:10.279 I don't want to see what you can you send 147 00:08:10.319 --> 00:08:14.240 us what you have in writing during the break. Yes, 148 00:08:14.439 --> 00:08:16.199 I want you to do that. I want to actually 149 00:08:16.240 --> 00:08:18.879 look at that, send it to help send it like 150 00:08:19.000 --> 00:08:22.120 right now, to help the troubleshooter dot com. I'll take 151 00:08:22.160 --> 00:08:23.920 my first break. I'll look at it as soon as 152 00:08:23.959 --> 00:08:25.959 I do these spots. But I want to see it. 153 00:08:25.959 --> 00:08:28.199 But yes, we do have an angel over there. But 154 00:08:28.279 --> 00:08:30.480 we got to understand what the hell we're asking them. 155 00:08:30.680 --> 00:08:34.519 I don't I don't get why they told you ninety 156 00:08:34.519 --> 00:08:37.000 five bucks. I understand there was a problem with that. 157 00:08:37.399 --> 00:08:40.000 Are they possibly going to give you a credit? And 158 00:08:40.039 --> 00:08:43.320 then what kind of phone was one hundred percent free? 159 00:08:44.720 --> 00:08:46.480 A Google Pixel nine pro? 160 00:08:46.840 --> 00:08:49.720 Okay, and that is one hundred percent free. It's not 161 00:08:49.919 --> 00:08:52.200 any form of credits you get over a two year 162 00:08:52.279 --> 00:08:56.120 period period. No, all right, get me that email. Hold on, 163 00:08:56.120 --> 00:08:58.600 I'm gonna get you on all three oh three seven, 164 00:08:58.679 --> 00:09:01.039 one three eight two five five one line open. You 165 00:09:01.080 --> 00:09:04.759 know what's funny, Joe, I have learned this, Suzanne. I 166 00:09:04.799 --> 00:09:08.600 have learned this. If you have been with a cable company, 167 00:09:08.960 --> 00:09:13.720 a cell phone company, a utility company, which generally doesn't matter. 168 00:09:13.919 --> 00:09:16.879 There's no loyalty. They don't care. This guy has been 169 00:09:16.919 --> 00:09:19.919 with Verizon, he said, you know, since cell phones were 170 00:09:19.960 --> 00:09:23.000 a thing, so he might have been with Verizon for 171 00:09:23.120 --> 00:09:27.080 the last what twenty five thirty years. They don't care. 172 00:09:27.639 --> 00:09:29.720 You call up, they don't care. I remember trying to 173 00:09:29.759 --> 00:09:32.519 deal with Dish Network. I remember trying to deal with 174 00:09:32.600 --> 00:09:36.080 Direct TV. None of these companies care. How many times 175 00:09:36.120 --> 00:09:38.840 did we have problems with like Sprint. I mean, it's 176 00:09:38.919 --> 00:09:39.679 just constant. 177 00:09:40.000 --> 00:09:40.240 See. 178 00:09:40.240 --> 00:09:44.120 The other one that's really bad is personally serious XM serious. 179 00:09:44.279 --> 00:09:48.320 XM's horrible. They have you sign up, everything expires in 180 00:09:48.360 --> 00:09:51.360 a year. It'll go from ten dollars a month to 181 00:09:51.559 --> 00:09:54.000 five hundred dollars for the year. So then you got 182 00:09:54.039 --> 00:09:56.480 to call him up, you got to threaten to cancel. 183 00:09:56.720 --> 00:09:59.440 They lower it back down. It's like a big game. 184 00:09:59.720 --> 00:10:02.000 And there's probably a lot of people that simply don't 185 00:10:02.039 --> 00:10:05.519 follow their auto bills. And I'm lucky Suzanne follows all 186 00:10:05.519 --> 00:10:07.840 that stuff. Think of all the things you've been charged 187 00:10:07.879 --> 00:10:11.480 for on a credit card that's reoccurring, cell phone bills, 188 00:10:11.799 --> 00:10:16.399 different apps, different television things. My god, they just lied 189 00:10:16.440 --> 00:10:17.279 to you about costs. 190 00:10:17.279 --> 00:10:19.200 Sometimes we've actually. 191 00:10:18.799 --> 00:10:22.440 Seen contracts from Verizon, and I'm venting a little here 192 00:10:22.480 --> 00:10:26.039 in general, not just did Verizon, but contracts from Verizon. 193 00:10:26.039 --> 00:10:29.360 They're basically saying, you know, you're not Your price will 194 00:10:29.399 --> 00:10:33.399 not increase ever for a lifetime. They're not going to increase. 195 00:10:33.559 --> 00:10:36.320 But then you read the next paragraph, they're just talking 196 00:10:36.360 --> 00:10:39.759 about the base rate. The fees can change. Everything else 197 00:10:39.799 --> 00:10:43.000 can change, so yes, the price can change. I'm getting 198 00:10:43.039 --> 00:10:50.000 a little sick and tire of it. Hold on, I 199 00:10:50.000 --> 00:10:52.080 have one line open that guy had to drop off. 200 00:10:52.120 --> 00:10:57.000 You did send me the Verizon paperwork, and you know 201 00:10:57.120 --> 00:11:00.000 it says one point fifteen, there's no doubt, but in handwritten, 202 00:11:00.120 --> 00:11:04.919 not here handwritten, it says twenty dollars auto pay just 203 00:11:05.080 --> 00:11:08.200 next to it, So I don't understand where he's coming up. 204 00:11:08.240 --> 00:11:11.480 Then when I look up his Verizon offer twenty dollars 205 00:11:11.519 --> 00:11:14.720 for auto pay, I do see that on some things 206 00:11:14.720 --> 00:11:17.519 they offer up to ten dollars per line. He has 207 00:11:17.519 --> 00:11:21.200 two lines, so that would be twenty dollars. And I 208 00:11:21.279 --> 00:11:24.879 also find information saying no, they don't offer twenty dollars off. 209 00:11:25.320 --> 00:11:27.600 And what's weird is it looks like he wrote that. 210 00:11:28.440 --> 00:11:30.759 And the reason I say he wrote it to handwriting 211 00:11:30.840 --> 00:11:33.960 matches some of the stuff on the top, which I 212 00:11:34.039 --> 00:11:39.960 assume he wrote Suzanne. I mean, there's no there's no 213 00:11:40.080 --> 00:11:42.840 harm in sending it over to the angel and just 214 00:11:43.000 --> 00:11:45.360 asking him. This guy thought he was supposed to get 215 00:11:45.799 --> 00:11:48.240 make sure they get this, he thought his new bill, 216 00:11:48.320 --> 00:11:50.960 And according to this right from their own store, the 217 00:11:51.039 --> 00:11:53.120 new bill does say it's going to be one hundred 218 00:11:53.120 --> 00:11:56.480 and fifteen bucks. I realized that first month has activation 219 00:11:56.679 --> 00:11:58.879 fees and all that. I don't care about that. They 220 00:11:58.960 --> 00:12:01.679 always screw you on that stuff. So send it over 221 00:12:02.519 --> 00:12:05.480 and then basically ask her does he qualify for that 222 00:12:05.559 --> 00:12:08.960 twenty dollars? And if so, how come his bill is 223 00:12:09.000 --> 00:12:13.039 not ninety five bucks going forward? Because even this says 224 00:12:13.080 --> 00:12:16.159 it's one fifteen. To me, it looks like the only 225 00:12:16.240 --> 00:12:18.080 thing they didn't do. Now, I wonder if you're not 226 00:12:18.159 --> 00:12:20.960 allowed to stack discounts. Do you know why I say that. 227 00:12:22.080 --> 00:12:26.759 Because he has the discount for being a first. 228 00:12:26.480 --> 00:12:29.519 Respond first respond I wonder if they're gonna say, hey, 229 00:12:29.559 --> 00:12:32.639 you can only have one discount in the first responder 230 00:12:32.720 --> 00:12:35.639 discount is twenty five. But let's ask him, let's just 231 00:12:35.720 --> 00:12:39.240 kind of figure out what that is. And it looks 232 00:12:39.240 --> 00:12:42.480 like he did get that iPhone eleven for zero, but 233 00:12:42.519 --> 00:12:44.840 it's an iPhone eleven. That's why it's a free phone. 234 00:12:44.879 --> 00:12:47.200 But I would I'd like to understand why they told 235 00:12:47.279 --> 00:12:49.799 him that twenty bucks. Maybe they didn't know in the 236 00:12:49.879 --> 00:12:52.200 store you can't stack discounts. 237 00:12:52.200 --> 00:12:53.039 But we'll find out. 238 00:12:53.080 --> 00:12:55.879 One line open three zero three seven, one three eight 239 00:12:55.919 --> 00:12:59.080 two five five real quick, Chris, you had a comment 240 00:12:59.200 --> 00:13:00.919 on this Verizon and bill go ahead. 241 00:13:02.399 --> 00:13:05.000 Oh yeah, just recently, I actually did the same exact 242 00:13:05.000 --> 00:13:06.480 thing out of the line on my account and had 243 00:13:06.639 --> 00:13:10.720 a phone along with it. And what was explained to 244 00:13:10.759 --> 00:13:13.159 me in the store, and what I experienced myself was 245 00:13:13.159 --> 00:13:14.840 that the first bill that you get after you do 246 00:13:14.879 --> 00:13:18.399 all that is higher because of like activation, it is 247 00:13:18.480 --> 00:13:21.399 stuff like that. And then the second bill that you 248 00:13:21.399 --> 00:13:25.000 get after that is actually significantly lower because it's like 249 00:13:25.120 --> 00:13:27.600 pro rating you a couple of things that if depending 250 00:13:27.639 --> 00:13:31.440 on when you started, I would agree with that, right. 251 00:13:31.480 --> 00:13:34.240 And then the third bill after that, which in Mike 252 00:13:34.559 --> 00:13:36.840 is like the one there, it's all leveled out. That's 253 00:13:36.840 --> 00:13:39.320 where you're that's going to be your price going forward, and. 254 00:13:39.519 --> 00:13:42.159 You know what, maybe that's it, but his is actually 255 00:13:42.600 --> 00:13:46.799 really looking at the paperwork from Verizon. His next bill 256 00:13:46.879 --> 00:13:49.720 after he added the phone and the activation fee and 257 00:13:49.759 --> 00:13:53.600 all that crap, is one hundred and seventy nine dollars. 258 00:13:54.039 --> 00:13:57.039 Then it says the new monthly under that will be 259 00:13:57.200 --> 00:14:00.879 one fifteen sixty one. And I'm not even sure if 260 00:14:00.879 --> 00:14:04.159 that's what he said it was, but it definitely doesn't 261 00:14:04.200 --> 00:14:08.159 reflect the auto pay discount that's handwritten on there. Do 262 00:14:08.240 --> 00:14:10.240 you have auto pay? Did they give you ten bucks 263 00:14:10.279 --> 00:14:11.600 off per line for auto pay? 264 00:14:12.799 --> 00:14:13.000 Yeah? 265 00:14:13.039 --> 00:14:15.320 They gave me ten bucks off per line for auto pay, 266 00:14:15.399 --> 00:14:18.360 So like I experienced that as well, And I can't 267 00:14:18.360 --> 00:14:20.879 really speak to what this guy's experiencing. 268 00:14:20.879 --> 00:14:23.879 I just know I had a similar situation just recently, 269 00:14:23.960 --> 00:14:24.879 and that's. 270 00:14:24.759 --> 00:14:27.320 Kind of what I experienced, So I really get it. 271 00:14:28.279 --> 00:14:31.320 I get so burned on these companies lately. I mean, 272 00:14:31.399 --> 00:14:34.039 it doesn't matter which one it is. Verizon seems to 273 00:14:34.039 --> 00:14:37.320 be a little worse than AT and T, but God, 274 00:14:38.120 --> 00:14:40.360 they're so hard to deal with. If you ever try 275 00:14:40.440 --> 00:14:43.159 to talk to someone and try to figure out and 276 00:14:43.279 --> 00:14:46.600 understand what the bill is, it's like they speak in tongues. 277 00:14:47.000 --> 00:14:49.639 And then what really gets me is when they say 278 00:14:49.639 --> 00:14:52.399 they're going to correct something and give you a credit 279 00:14:52.639 --> 00:14:54.919 and you just never see it. Then you got to 280 00:14:54.960 --> 00:14:57.360 call back in and start all over again. We've all 281 00:14:57.440 --> 00:14:59.720 dealt with that, Yep. 282 00:15:00.080 --> 00:15:02.159 I'd say it's you know six to one half dozen 283 00:15:02.200 --> 00:15:04.399 or the other who you deal with. It's it's just 284 00:15:04.440 --> 00:15:05.480 gonna be what it's gonna be. 285 00:15:05.559 --> 00:15:08.440 It's gonna be what it is. Yeah, we're gonna find out. Man, 286 00:15:08.440 --> 00:15:11.120 we're gonna send it off to the angel I'll update people. 287 00:15:11.480 --> 00:15:13.559 Are they pretty quick over there, Susanne? 288 00:15:14.000 --> 00:15:18.240 I'm emailing new people. They helped out with one problem. 289 00:15:18.480 --> 00:15:21.480 So remember the straight Talk problem. He bought like a 290 00:15:21.559 --> 00:15:25.279 Verizon phone after ninety days was going to be unlocked. 291 00:15:25.480 --> 00:15:27.000 Oh, they never unlocked it. 292 00:15:26.919 --> 00:15:29.159 And they never unlocked it like they had met. 293 00:15:29.799 --> 00:15:33.120 Here's a great example what Suzanne just said. So here's 294 00:15:33.120 --> 00:15:36.960 the company straight Talk, which is owned by Verizon. 295 00:15:37.320 --> 00:15:39.080 They basically said, you'll buy this. 296 00:15:39.080 --> 00:15:43.120 Phone and we unlock it in thirty days, no questions asked. 297 00:15:43.360 --> 00:15:46.639 But in that contract it literally said something in that 298 00:15:46.720 --> 00:15:50.200 agreement we can change our terms at any time. And 299 00:15:50.240 --> 00:15:53.039 they decided to change it, and now they won't let 300 00:15:53.080 --> 00:15:54.080 them unlock the phone. 301 00:15:54.120 --> 00:15:56.720 What happened with that, Oh it got unlocked. 302 00:15:56.759 --> 00:15:57.720 So basically good week. 303 00:15:57.759 --> 00:16:00.320 But I'm saying, Yeah, I'm just new to deal with 304 00:16:00.399 --> 00:16:01.000 these folks. 305 00:16:01.039 --> 00:16:03.960 Yeah, they're new. Or who's the easiest angel we have? 306 00:16:04.080 --> 00:16:05.480 Isn't a home depot? Pretty good? 307 00:16:06.399 --> 00:16:06.799 Uh? 308 00:16:06.919 --> 00:16:08.200 No, I don't. 309 00:16:09.919 --> 00:16:13.080 I've seen them. I've seen them get show up the 310 00:16:13.120 --> 00:16:13.600 same day. 311 00:16:13.759 --> 00:16:17.759 Yeah, they're they're great, especially for we had a person 312 00:16:17.799 --> 00:16:21.120 who didn't have heat, like the day before Christmas Eve 313 00:16:21.200 --> 00:16:22.919 and it was going to be three or four days. 314 00:16:22.960 --> 00:16:24.000 They got out there like. 315 00:16:24.440 --> 00:16:28.000 Whatever it was. Yeah, And so there's good angels. It's 316 00:16:28.120 --> 00:16:29.799 nice to have an angel. So I don't want to 317 00:16:29.840 --> 00:16:33.279 pooh pooh anybody that helps us. But some of them. 318 00:16:33.440 --> 00:16:34.279 Just take forever. 319 00:16:34.639 --> 00:16:38.039 And then there's some that will not communicate directly with us, 320 00:16:38.799 --> 00:16:42.639 but they will get the job done, but we we 321 00:16:42.759 --> 00:16:45.080 don't even know it's done until we hear back from 322 00:16:45.080 --> 00:16:45.360 the car. 323 00:16:45.639 --> 00:16:46.519 That happens a lot. 324 00:16:46.679 --> 00:16:48.279 He's a big one that does that, or a lot 325 00:16:48.360 --> 00:16:48.639 of them. 326 00:16:48.960 --> 00:16:51.840 Uh that escapes me right off the top of my head. 327 00:16:51.879 --> 00:16:53.960 But yeah, a lot of like the State of Colorado 328 00:16:54.080 --> 00:16:54.559 or something. 329 00:16:54.639 --> 00:16:56.000 Yea, they just won't. 330 00:16:55.840 --> 00:16:59.960 Talk toledge social security. Then that's it. 331 00:17:00.440 --> 00:17:03.279 Yeah, you know, and they generally follow through and get 332 00:17:03.320 --> 00:17:05.839 back with them. Just we'll usually hear back from the caller. 333 00:17:06.039 --> 00:17:08.200 All right, three O three seven one three eight two 334 00:17:08.279 --> 00:17:12.799 five five Barbara, you can free up line three there. Hey, Barbara, 335 00:17:12.839 --> 00:17:15.160 what's going on with you? In relaxing? 336 00:17:15.519 --> 00:17:18.839 Years ago? And what was before my husband died? In 337 00:17:18.920 --> 00:17:23.640 twenty three I ordered some relaxium from the TV. 338 00:17:25.079 --> 00:17:30.400 Well, it's time like Fox News all the time, isn't it? 339 00:17:30.640 --> 00:17:33.599 Excuse me, it's on Fox News all the time? Sold 340 00:17:33.640 --> 00:17:36.480 on there by? Isn't that sold by Mike Hucklebee? 341 00:17:37.480 --> 00:17:37.720 Yeah? 342 00:17:37.920 --> 00:17:41.279 Yeah, Well, to make a long story short, it didn't work. 343 00:17:41.359 --> 00:17:47.799 And but this spring I get six bottles of relaxium 344 00:17:48.000 --> 00:17:49.839 to the tune of two hundred dollars. 345 00:17:49.839 --> 00:17:52.920 Why is it some kind of uh, it's some kind 346 00:17:52.960 --> 00:17:55.359 of monthly or bi monthly or what is it? 347 00:17:55.759 --> 00:17:56.880 What are they telling you? 348 00:17:56.880 --> 00:18:00.519 You signed up for perpetuity July. 349 00:18:00.480 --> 00:18:03.759 It was nineteen ninety five, But they bailed me two 350 00:18:03.839 --> 00:18:06.839 hundred for six bottles and I couldn't get rid of 351 00:18:06.839 --> 00:18:10.440 them anyhow. After how many years they send it to 352 00:18:10.480 --> 00:18:15.039 me again, But I had lost the original credit card 353 00:18:15.880 --> 00:18:21.759 and which USAA got a new credit card. Well, now 354 00:18:21.799 --> 00:18:25.319 it's back on my bill and they are using my 355 00:18:25.480 --> 00:18:29.759 new credit card number and USAA says, is a way 356 00:18:29.799 --> 00:18:31.799 that they can get it. Yeah, they all do that 357 00:18:31.920 --> 00:18:34.079 now and that I owe it. 358 00:18:34.559 --> 00:18:36.559 Well, that's what I want to try to figure out. 359 00:18:36.640 --> 00:18:39.839 So you did sign up for a subscription, and basically 360 00:18:39.920 --> 00:18:43.359 it says right here, subscription or renew every ninety days 361 00:18:43.599 --> 00:18:47.240 from data purchase until cancelation. So did you ever go 362 00:18:47.400 --> 00:18:51.279 online and actually cancel it? Let's talk about that first. 363 00:18:51.480 --> 00:18:54.599 Well, I never canceled. I mean, and I said this 364 00:18:54.880 --> 00:18:58.759 originally the first order. Yeah, must have been maybe in 365 00:18:58.799 --> 00:19:03.839 two thousand, yeah, for whatever. So here we are at 366 00:19:03.880 --> 00:19:07.200 two thousand and five and I get an order. 367 00:19:07.799 --> 00:19:10.039 Well, wait a minute, you're saying you didn't receive any 368 00:19:10.079 --> 00:19:13.839 in the last four plus years. That's right, Well that 369 00:19:13.960 --> 00:19:17.319 sounds weird as hell. Are you sure they didn't charge 370 00:19:17.319 --> 00:19:20.400 you but you never got the product? Like either someone 371 00:19:20.519 --> 00:19:23.000 stole it or it went to the wrong house. I mean, 372 00:19:23.039 --> 00:19:25.880 do you know you were never charged for the last 373 00:19:25.920 --> 00:19:28.000 four years? And now all of a sudden you are. 374 00:19:29.680 --> 00:19:29.880 No. 375 00:19:30.039 --> 00:19:34.160 I didn't know that. I mean I just figured that. I. 376 00:19:34.359 --> 00:19:37.000 Well, hold on, here's what I'm asking you, Barbara. Are 377 00:19:37.039 --> 00:19:41.160 you sure your credit card or your husband's or somebody's 378 00:19:41.680 --> 00:19:43.279 was not charged those years? 379 00:19:43.480 --> 00:19:45.519 I am sure it was not. 380 00:19:45.680 --> 00:19:49.960 Then all of a sudden, now you get charged for it. Correct, 381 00:19:50.400 --> 00:19:53.200 I understand so real quick. On the new credit card, Pard, 382 00:19:53.440 --> 00:19:58.200 your old one must have been USAA as well, right, correct? Yeah. 383 00:19:58.240 --> 00:20:00.400 So a lot of these companies, when you you have 384 00:20:00.799 --> 00:20:03.799 a reoccurring bill and you have a credit card that's 385 00:20:03.839 --> 00:20:07.720 actually either changed, meaning a new number or a new 386 00:20:07.799 --> 00:20:12.720 three digit security code or four digit on AMX or or. 387 00:20:12.559 --> 00:20:14.200 This is a crazy part. 388 00:20:14.599 --> 00:20:17.799 If you report fraud on that and they send you 389 00:20:17.839 --> 00:20:21.960 a brand new card, they'll still allow companies besides the 390 00:20:21.960 --> 00:20:24.799 one that you claim fraud on to have access to 391 00:20:24.880 --> 00:20:27.440 the new number. And it's all done pretty much automatically. 392 00:20:27.559 --> 00:20:30.160 So I get that part. The part I'm missing is 393 00:20:30.400 --> 00:20:33.359 why didn't they charge you for four years? I mean, 394 00:20:33.519 --> 00:20:36.359 have you talked to them at all? Not the credit 395 00:20:36.400 --> 00:20:37.079 card company? 396 00:20:37.119 --> 00:20:41.359 Relax you, Oh, I've talked to you with a andch 397 00:20:41.559 --> 00:20:44.920 that first they said it was fraud, and now they 398 00:20:44.920 --> 00:20:48.400 said that they have talked to them and they said 399 00:20:48.400 --> 00:20:50.519 that I ordered, Well I didn't order. 400 00:20:50.680 --> 00:20:53.279 How were they saying you ordered like by the website 401 00:20:53.359 --> 00:20:55.519 or you called or how would have you ordered? 402 00:20:56.160 --> 00:20:56.359 Well? 403 00:20:56.400 --> 00:20:59.000 I would have called because I don't have I'm ninety 404 00:20:59.119 --> 00:21:01.079 years old and I don't have a computer. 405 00:21:01.680 --> 00:21:03.680 Yeah, so you would have called up. So they're saying 406 00:21:03.759 --> 00:21:07.599 you called, did you? And you basically told your credit 407 00:21:07.680 --> 00:21:09.680 card company you knew nothing about it? 408 00:21:10.440 --> 00:21:11.200 That's correct? 409 00:21:11.279 --> 00:21:13.359 Well, this is crazy. I think all we got to 410 00:21:13.400 --> 00:21:13.799 do here. 411 00:21:14.000 --> 00:21:16.440 I think we have to have a three way conversation 412 00:21:17.240 --> 00:21:19.680 with your credit card company. There's two things I want 413 00:21:19.720 --> 00:21:21.799 to happen on this. Hold on, I'm going to sign 414 00:21:21.880 --> 00:21:24.559 this to a deputy. But there's two things that need 415 00:21:24.599 --> 00:21:27.359 to happen, So hold on, and then we've got something 416 00:21:27.400 --> 00:21:30.559 with O'Reilly's auto parts coming up, and then we're going 417 00:21:30.599 --> 00:21:34.319 to talk to Joe Keiano. And Deputy Doc was telling 418 00:21:34.359 --> 00:21:38.920 me something very interesting about crypto and a bill that 419 00:21:39.079 --> 00:21:44.039 was signed into law in Colorado that talks about different 420 00:21:44.079 --> 00:21:47.759 things like these ATMs they have, And we had a 421 00:21:47.759 --> 00:21:51.240 caller get ripped off to the tune of twenty five 422 00:21:51.519 --> 00:21:52.640 thousand dollars. 423 00:21:52.880 --> 00:21:54.559 Actually I think it was more than that. 424 00:21:55.200 --> 00:21:58.839 It was forty thousand dollars that this would have made 425 00:21:58.960 --> 00:22:03.720 not happen. Curious enough, two lines open three zero three 426 00:22:03.759 --> 00:22:07.480 seven one three eight U five five Chuck you hold tight, Barbara, 427 00:22:07.519 --> 00:22:14.920 I'm coming right back to you. We definitely want to 428 00:22:14.960 --> 00:22:18.279 hear from you. Hopefully we can help you out only shove. 429 00:22:18.279 --> 00:22:22.920 It's kind of over three hundred million dollars in cash, merchandise, exchanges, refunds. 430 00:22:22.920 --> 00:22:26.480 Deputy Bow joins us. By the way, this hour brought 431 00:22:26.519 --> 00:22:31.079 to you Bywaterpros dot Net. I love the system we 432 00:22:31.160 --> 00:22:34.160 got from them. We got basically a water softener for 433 00:22:34.240 --> 00:22:37.319 the whole house. It was less than thirty five hundred bucks. 434 00:22:37.680 --> 00:22:41.079 And man, it's been up in operation for over two years. 435 00:22:41.559 --> 00:22:45.039 It's almost zero maintenance. I've had to add the salt 436 00:22:45.079 --> 00:22:48.960 to it once. It's incredibly great. It makes the water 437 00:22:49.039 --> 00:22:51.839 a lot better. And they have a system now that 438 00:22:51.960 --> 00:22:56.200 gets rid of forever chemicals, It softens the water and 439 00:22:56.279 --> 00:22:59.559 it handles any chlorine problems. Think about that for your 440 00:22:59.720 --> 00:23:02.720 entire not a point of use. Other people say, oh 441 00:23:02.720 --> 00:23:05.440 we got that for a thousand, that's it the kitchen sink. 442 00:23:05.680 --> 00:23:08.200 This is for your entire house. And make sure they 443 00:23:08.200 --> 00:23:10.759 get rid of the pea files. You realize if you 444 00:23:10.880 --> 00:23:15.680 go fishing in Chatfield Reservoir right now, you're not supposed 445 00:23:15.680 --> 00:23:18.920 to eat the fish. Did you hear that, Joe? All 446 00:23:18.960 --> 00:23:21.759 you do that, that's what you are. You're a fishietarian. 447 00:23:22.079 --> 00:23:22.559 That is right. 448 00:23:22.599 --> 00:23:25.480 I'm a best gutarian, a fishytarian besgetarian. 449 00:23:25.960 --> 00:23:26.960 So that's all he eats. 450 00:23:26.960 --> 00:23:27.720 He doesn't eat meat. 451 00:23:27.720 --> 00:23:31.119 He eats and eats vegetables and fruits and fish. 452 00:23:31.400 --> 00:23:33.640 When I read that, I started thinking about you. 453 00:23:33.680 --> 00:23:36.640 Thank you. If it's going on in Chatfield, think about it. 454 00:23:37.559 --> 00:23:43.119 This plastic is everywhere. It's horrible, sad yewn. So they 455 00:23:43.160 --> 00:23:46.720 got a system now, Paul the water Man literally and 456 00:23:46.799 --> 00:23:51.079 I mean literally, under thirty seven hundred dollars, it'll do 457 00:23:51.160 --> 00:23:56.519 everything and just google pfas p fis and you'll see 458 00:23:56.519 --> 00:23:59.319 what I'm talking about, and then pop in Chatfield. It's 459 00:23:59.359 --> 00:24:01.680 scary as hell. That's right here, all right. Three oh 460 00:24:01.720 --> 00:24:05.319 three seven one three eight two five five Barbara, here's 461 00:24:05.319 --> 00:24:07.200 what I'm gonna do. I'm going to put you with 462 00:24:07.319 --> 00:24:10.799 Deputy Bow that just walked in. And Deputy Bow, let 463 00:24:10.799 --> 00:24:12.559 me kind of catch you up on what's going on. 464 00:24:13.440 --> 00:24:17.279 There's a product called Relaxium and it's sold on kind 465 00:24:17.319 --> 00:24:21.200 of infomercials or TV commercials. Mike Huckabee who ran for 466 00:24:21.319 --> 00:24:25.319 president years ago, actually and he was a governor somewhere, 467 00:24:25.519 --> 00:24:30.680 but he actually who wasn't Arkansas. He pushes a product 468 00:24:30.839 --> 00:24:33.680 pretty heavily, like on Fox News, and I think it's 469 00:24:33.720 --> 00:24:36.799 Asso on CNN, although that would be weird seeing Mike 470 00:24:36.880 --> 00:24:40.599 Huckabee push them in, but you get the idea. I've 471 00:24:40.640 --> 00:24:42.839 seen the product. It helps you go to sleep. I've 472 00:24:42.880 --> 00:24:46.960 never used it. She signed up, according to her, and Barbara, 473 00:24:47.160 --> 00:24:49.400 was it your husband that signed up back in twenty 474 00:24:49.480 --> 00:24:50.400 twenty or. 475 00:24:50.480 --> 00:24:52.759 Yourself sign up for him? 476 00:24:53.319 --> 00:24:54.000 Say that again. 477 00:24:54.640 --> 00:24:57.039 He asked me to sign up for him. 478 00:24:57.039 --> 00:25:00.400 Fair enough. She signed up five years ago. They paid 479 00:25:00.400 --> 00:25:04.000 an X amount that first year, and then they didn't 480 00:25:04.039 --> 00:25:07.839 get billed and they didn't receive anything for four years. 481 00:25:08.000 --> 00:25:10.599 The first year was fine. The product did not work 482 00:25:10.640 --> 00:25:14.000 for him, so they just that was it. This year, 483 00:25:14.160 --> 00:25:16.680 all of a sudden, a charge for how much? One 484 00:25:16.720 --> 00:25:17.880 hundred and twenty bucks? 485 00:25:18.680 --> 00:25:20.119 No one nine? 486 00:25:20.519 --> 00:25:22.880 A charge for one hundred and eighty nine shows up, 487 00:25:23.160 --> 00:25:27.079 and then six bottles, right yeah, six bottles of this 488 00:25:27.119 --> 00:25:31.480 stuff out of the blue shows up. So there's two things. One, 489 00:25:31.720 --> 00:25:34.079 she's got to get a hold of these guys on 490 00:25:34.119 --> 00:25:38.000 the website. She's ninety years old. She doesn't use the internet. 491 00:25:38.400 --> 00:25:40.960 You need to get on there and get into her 492 00:25:41.000 --> 00:25:44.000 account somehow, which I have no idea if she doesn't, do. 493 00:25:44.000 --> 00:25:47.319 You have email, Barbara, No, you're gonna. 494 00:25:47.160 --> 00:25:49.440 End up calling him. I have no idea how you're 495 00:25:49.440 --> 00:25:52.480 going to possibly go online and cancel Barbarikae. 496 00:25:52.599 --> 00:25:54.519 You just call your credit card company. 497 00:25:54.599 --> 00:25:57.759 We already went down. That's the second thing. The credit 498 00:25:57.799 --> 00:26:02.200 card company. She disputed she got a temporary credit. They 499 00:26:02.279 --> 00:26:06.039 talked to the company. They convinced the company she authorized it, 500 00:26:06.200 --> 00:26:10.160 and put the took away the provisional credit and basically 501 00:26:10.240 --> 00:26:11.039 rebuild her. 502 00:26:10.960 --> 00:26:13.640 Well, technically she never canceled, right, Mark, Well. 503 00:26:13.559 --> 00:26:15.440 I don't know if she did or not, but the 504 00:26:15.519 --> 00:26:19.440 fact she didn't receive anything for four years, four years 505 00:26:19.480 --> 00:26:23.039 me would be the cancelation right there by itself. I 506 00:26:23.079 --> 00:26:25.960 mean that part so Bo, I want to make sure 507 00:26:26.000 --> 00:26:29.160 she is canceled. But the second part is, I want 508 00:26:29.200 --> 00:26:31.960 you to do a three way with the credit card company. Right, 509 00:26:32.599 --> 00:26:36.839 she simply did not authorize this period, end of story. 510 00:26:36.920 --> 00:26:39.759 And while you're on with that three way call, they 511 00:26:39.799 --> 00:26:44.000 can verify that she was or wasn't charged the last 512 00:26:44.039 --> 00:26:46.960 four years. If she wasn't charged the last four years, 513 00:26:47.119 --> 00:26:50.119 there is no reason out of the blue she should 514 00:26:50.119 --> 00:26:53.359 be charged this amount period. And she says she knows 515 00:26:53.799 --> 00:26:56.400 nothing about it except for twenty twenty. 516 00:26:57.119 --> 00:26:59.480 I think we need to get on a three way 517 00:26:59.519 --> 00:27:00.839 call with my Hucklebee. 518 00:27:01.119 --> 00:27:03.720 Get get Hucklebee on that. That would be funny. 519 00:27:03.799 --> 00:27:07.599 I can you grab them, grab Hucklebee? 520 00:27:07.960 --> 00:27:08.200 Now? 521 00:27:08.240 --> 00:27:08.720 Who is that? 522 00:27:08.759 --> 00:27:09.680 Who are you talking to? 523 00:27:11.359 --> 00:27:12.599 Just somebody at my door? 524 00:27:12.759 --> 00:27:16.599 Okay, all right, Barbara, listen, you're gonna give your information 525 00:27:16.720 --> 00:27:20.720 to Kelly. Bo's gonna be calling you soon. Kelly to 526 00:27:21.160 --> 00:27:23.599 get this over to Bo's email, please with all of 527 00:27:23.599 --> 00:27:26.880 her info and then Bo. I think, honestly, the quickest 528 00:27:26.920 --> 00:27:29.359 way is if you can do a three way with 529 00:27:29.440 --> 00:27:32.799 her bank and talk purely on the credit card charges. 530 00:27:33.160 --> 00:27:36.519 She's saying she absolutely has not talked to this company 531 00:27:36.839 --> 00:27:40.160 for five years, and they canceled five years ago. And 532 00:27:40.200 --> 00:27:43.599 if it's true that they haven't built her nor shipped 533 00:27:43.640 --> 00:27:47.519 anything in four years, I would assume that's a cancelation, no. 534 00:27:47.440 --> 00:27:49.319 Matter how you look at it in of itself. 535 00:27:49.599 --> 00:27:52.200 And now she's saying she has not called them back, 536 00:27:52.480 --> 00:27:54.519 and it is a different credit card number than the 537 00:27:54.519 --> 00:27:57.599 one she used five years ago. But companies have a 538 00:27:57.640 --> 00:27:59.519 way of getting that. That's not a big deal. I 539 00:27:59.519 --> 00:28:02.799 don't agree with it, but it goes on. Hey, Chuck's 540 00:28:02.839 --> 00:28:07.000 got a problem with car polish that he bought from 541 00:28:07.000 --> 00:28:10.559 O'Reilly Auto Parts. This one's gonna be curious. I wonder 542 00:28:10.640 --> 00:28:13.640 if he's gonna say this, I bought this polish, I 543 00:28:13.799 --> 00:28:16.079 used it and it scratched the hell out of my 544 00:28:16.160 --> 00:28:18.720 car or something like it was like sandpaper. 545 00:28:19.319 --> 00:28:20.039 That's crazy. 546 00:28:20.119 --> 00:28:21.960 I don't know if that's it, but we're all gonna 547 00:28:21.960 --> 00:28:31.160 find out together right after this. No, all right? Three 548 00:28:31.240 --> 00:28:33.799 oh three seven, one three eight two five five three 549 00:28:34.319 --> 00:28:37.720 three Martino, don't forget Frank Duran in the real estate 550 00:28:37.759 --> 00:28:40.359 man Frank Durant Holmes dot com. You want the best 551 00:28:40.400 --> 00:28:44.559 realtor that's gonna sell your house for more money and faster, 552 00:28:44.920 --> 00:28:47.119 you call Frank Duran. You can look up the statue 553 00:28:47.119 --> 00:28:50.960 yourself on MLS. No one sells more homes in the 554 00:28:51.000 --> 00:28:54.039 Denver metro area for more money than Frank. In fact, 555 00:28:54.359 --> 00:28:57.559 he sells more homes listen to this in one month 556 00:28:57.920 --> 00:29:02.319 than most realtors sell in over a year in the 557 00:29:02.359 --> 00:29:06.559 state of Colorado. Wow, that's Frank Duran. He's helped me 558 00:29:06.640 --> 00:29:10.480 out numerous times. He has helped time out numerous times. 559 00:29:10.920 --> 00:29:13.559 You gotta use him, simple as that. Frank Duran Holmes 560 00:29:13.599 --> 00:29:15.880 dot com. Now I'm dying to hear what's going on 561 00:29:15.960 --> 00:29:17.519 with this car? 562 00:29:17.559 --> 00:29:18.000 Polish? 563 00:29:18.119 --> 00:29:21.240 Chuck, by the way, two lines open, Get those lines 564 00:29:21.279 --> 00:29:24.039 filled up. Any problems you have? Three oh three seven 565 00:29:24.079 --> 00:29:27.519 one three eight two five five three zero three Martino, 566 00:29:28.119 --> 00:29:30.599 get the calls in, Chuck, what is going on? 567 00:29:31.839 --> 00:29:35.720 I wish it was as easy as scratching my car, 568 00:29:35.799 --> 00:29:36.240 but it's not. 569 00:29:36.440 --> 00:29:37.640 Oh man, what's going on? 570 00:29:38.920 --> 00:29:41.839 About a week ago, I went into the O'Reilly Auto 571 00:29:41.960 --> 00:29:45.480 Parts seventy second in Federal looking for some. 572 00:29:45.839 --> 00:29:47.559 Polish to polish up illuminum. 573 00:29:47.559 --> 00:29:50.599 Polish aluminum on my motorcycle, okay, just to restore it 574 00:29:50.640 --> 00:29:54.880 back up. And I bought a product called White Diamond 575 00:29:55.079 --> 00:29:57.759 Metal Polish. Follow me, you guys should google it up 576 00:29:57.799 --> 00:29:59.400 the image. You can see it with what I'm looking at. 577 00:29:59.440 --> 00:30:02.759 It's in a white model twelve ounce fluid deal. It 578 00:30:02.799 --> 00:30:04.480 worked flawlessly. We're great. 579 00:30:04.680 --> 00:30:08.160 But here's the problem that has it has vanilla scented. 580 00:30:08.440 --> 00:30:12.480 It's vanilla scented and it's poison. 581 00:30:12.680 --> 00:30:15.279 So that leads me up to my leave here my experience. 582 00:30:15.279 --> 00:30:16.880 Wait a minute, Wait a minute, wait a minute. I'm 583 00:30:16.880 --> 00:30:18.680 looking at it here. I don't see it. I'm just 584 00:30:18.759 --> 00:30:22.400 looking at it. They make it. Actually, they make a 585 00:30:22.440 --> 00:30:25.759 lot of products, but you're talking about basically the little 586 00:30:25.799 --> 00:30:28.519 bottles and white dimond. 587 00:30:28.720 --> 00:30:31.039 Yeah, it's called metal long last year. 588 00:30:31.079 --> 00:30:32.559 Wait, there's a lot of these actually. 589 00:30:33.839 --> 00:30:35.079 Yeah, I'm a little. 590 00:30:34.799 --> 00:30:37.599 Shocked by this bottom of the vanilla scented on it. 591 00:30:37.640 --> 00:30:41.119 You it's like twenty bucks, right, eighteen bucks? Yeah, and 592 00:30:41.160 --> 00:30:44.160 you're saying somewhere on here, I don't see anything that 593 00:30:44.240 --> 00:30:45.240 says it's scented. 594 00:30:45.440 --> 00:30:46.680 It says vanilla scented. 595 00:30:46.880 --> 00:30:49.640 Right, What do you see that right under the it's 596 00:30:49.680 --> 00:30:51.279 the last thing in the black square. 597 00:30:51.440 --> 00:30:51.599 Oh. 598 00:30:51.680 --> 00:30:53.920 I can't zoom in on this picture I have. 599 00:30:54.000 --> 00:30:56.319 So so here's where it brings us too. 600 00:30:56.440 --> 00:30:58.759 We're at who cares it's vanilla scented? 601 00:30:58.839 --> 00:30:59.319 Who cares? 602 00:31:00.079 --> 00:31:02.000 The time? You wouldn't think any problem. 603 00:31:02.359 --> 00:31:02.960 So I use it. 604 00:31:02.880 --> 00:31:05.039 It worked great. Put every thing away, I put the 605 00:31:05.079 --> 00:31:07.880 lid back on, put it away. I go to her 606 00:31:07.920 --> 00:31:10.599 picking up stuff. I noticed a little pad that I got, 607 00:31:10.599 --> 00:31:12.000 the wax applicator pad. 608 00:31:12.319 --> 00:31:15.480 Yeah, is missing up, my my little my little lift 609 00:31:15.519 --> 00:31:15.920 your dog. 610 00:31:16.240 --> 00:31:19.039 My crazy dog got it and ate half of it. 611 00:31:19.559 --> 00:31:19.839 Wow? 612 00:31:20.920 --> 00:31:21.640 Is he okays? 613 00:31:21.680 --> 00:31:22.920 The dog vocanic mode? 614 00:31:23.000 --> 00:31:25.160 Oh my god? My eight year old dogs ate this thing. 615 00:31:25.200 --> 00:31:27.759 I'm usually should tear it up, but no, she's actually ingested. 616 00:31:27.920 --> 00:31:30.440 It says right on their danger poison. 617 00:31:30.799 --> 00:31:31.480 Yeah, I see it. 618 00:31:31.759 --> 00:31:33.960 Why would you Why would you send something that I 619 00:31:33.960 --> 00:31:35.880 could food product this poison? 620 00:31:36.240 --> 00:31:38.799 Well, I don't know why you would scent this vanilla. 621 00:31:38.920 --> 00:31:39.839 I have no idea. 622 00:31:40.000 --> 00:31:43.279 I mean honestly, so, I have no idea. But all 623 00:31:43.319 --> 00:31:46.519 the labels, everything on here has the warnings. 624 00:31:46.599 --> 00:31:48.640 Man, it does. 625 00:31:49.279 --> 00:31:52.599 But let me jump back to this hold on Chuck 626 00:31:52.759 --> 00:31:53.279 is the dog? 627 00:31:53.359 --> 00:31:53.599 Ok? 628 00:31:53.880 --> 00:31:57.759 Now, she's recovering after and. 629 00:31:57.759 --> 00:31:59.960 What did the vets me? I mean, like, what did 630 00:32:00.079 --> 00:32:04.079 they do to treat a dog that eats white diamond? 631 00:32:04.920 --> 00:32:07.480 So they gave her a shot and I'm gonna look 632 00:32:07.480 --> 00:32:08.119 at the bill here. 633 00:32:08.240 --> 00:32:10.319 It's I can't pronounce. 634 00:32:09.960 --> 00:32:14.680 It, it's C E R E and I A. 635 00:32:14.880 --> 00:32:16.720 And it helps her with the upset tummy. 636 00:32:17.039 --> 00:32:19.480 So she's been out eating grass like a cow, trying 637 00:32:19.480 --> 00:32:21.440 to keep her tummy up from getting upset. 638 00:32:21.519 --> 00:32:23.000 So she's on the end. 639 00:32:23.000 --> 00:32:23.799 I made her some rice. 640 00:32:23.880 --> 00:32:25.440 How much was the title vet bill? 641 00:32:28.599 --> 00:32:29.160 Forty seven? 642 00:32:29.440 --> 00:32:32.720 And that's what you're trying to recoup, that's right? 643 00:32:32.799 --> 00:32:35.680 And I and so I called their customer care at 644 00:32:36.240 --> 00:32:38.440 online White Diamond. 645 00:32:40.480 --> 00:32:43.240 Well, the guy from O'Reilly said, why would they put 646 00:32:43.279 --> 00:32:44.759 scent in something that's poisoned like that? 647 00:32:44.839 --> 00:32:45.599 Oh my god, I don't know. 648 00:32:45.960 --> 00:32:46.680 Does it make sense? 649 00:32:46.720 --> 00:32:49.920 Doesn't I still don't understand why they put scent in 650 00:32:49.960 --> 00:32:53.400 a polish anyhow, I mean, okay, why would they do that? 651 00:32:53.519 --> 00:32:56.440 Does anybody have any Why would you buy a metal 652 00:32:56.519 --> 00:32:59.519 polish like I used to use brasses? 653 00:33:00.720 --> 00:33:05.640 Sometimes those polishes just stink. They smell like chemicals, they smell, 654 00:33:05.759 --> 00:33:08.279 you know whatever. So they sent it to maybe. 655 00:33:08.359 --> 00:33:09.079 What if you cover it? 656 00:33:09.839 --> 00:33:12.000 If what if someone's two or three year old kid 657 00:33:12.039 --> 00:33:14.960 grabbed that whole bottle because it's smell like vanilla wafers, 658 00:33:15.039 --> 00:33:15.359 then the. 659 00:33:15.319 --> 00:33:17.680 Parent then the parrots should be smacked around. 660 00:33:19.440 --> 00:33:20.359 Some weird stuff. 661 00:33:20.599 --> 00:33:22.880 Well, I listen, man, Chuck, I agree with you. 662 00:33:22.960 --> 00:33:26.480 I don't quite understand why they do it. Suzanne's probably 663 00:33:26.559 --> 00:33:29.240 onto something right there, because, for the life of me, 664 00:33:29.279 --> 00:33:32.559 who wants their motorcycle or their exhaust pipe to smell 665 00:33:32.640 --> 00:33:35.400 like vanilla. I don't know, but maybe it is to 666 00:33:35.480 --> 00:33:38.119 cover up the horrible smell. 667 00:33:38.160 --> 00:33:40.839 The laboratories and they don't rewind back. 668 00:33:40.880 --> 00:33:42.839 Well, I got I got two ideas of what you 669 00:33:42.880 --> 00:33:46.440 could do. I don't think O'Reilly has got anything to 670 00:33:46.480 --> 00:33:48.319 do with this, But I do have an idea and 671 00:33:48.359 --> 00:33:52.000 I'm going to look at something during the break about 672 00:33:52.039 --> 00:33:54.519 a white diamond. Everybody hold on. 673 00:34:00.359 --> 00:34:04.359 D News. 674 00:34:04.640 --> 00:34:05.279 You don't have. 675 00:34:07.880 --> 00:34:08.239 Run in. 676 00:34:08.440 --> 00:34:09.840 Just asss as we can. 677 00:34:11.000 --> 00:34:16.760 The Shooter's gonna help. Come man, This is the Troubleshooter Show. 678 00:34:17.400 --> 00:34:21.880 No Tom Martinez, welcome. 679 00:34:21.079 --> 00:34:22.960 My friends to the only show its guy. 680 00:34:23.280 --> 00:34:28.159 We're here to solve problems, answer questions, take complaints. Over 681 00:34:28.360 --> 00:34:32.960 three hundred million dollars in cash, merchandise exchanges refunds directly 682 00:34:33.079 --> 00:34:36.079 due to this show. Simple as that you have any issue. 683 00:34:36.400 --> 00:34:39.320 We have a lot of attorneys. We've got deputies, We've 684 00:34:39.360 --> 00:34:43.639 got good contractors, including great roofers. We've got all kinds 685 00:34:43.639 --> 00:34:46.159 of people here to help get to the bottom of 686 00:34:46.199 --> 00:34:49.880 your problem. And if that includes trying to recoup money 687 00:34:50.239 --> 00:34:53.320 some bad contractor or landlord or someone took, we'll get 688 00:34:53.360 --> 00:34:55.760 involved in that. In fact, we use the power of 689 00:34:55.760 --> 00:34:59.519 the media. Think about that. We use the radio signal 690 00:34:59.559 --> 00:35:02.679 your listen to you right now or our YouTube channel 691 00:35:03.159 --> 00:35:06.199 or any way you hear us are We have over 692 00:35:06.320 --> 00:35:10.440 fifty thousand a month downloads on our podcast. So however 693 00:35:10.480 --> 00:35:14.280 you're listening we use that method to go after the 694 00:35:14.320 --> 00:35:17.079 bad guys. I wasn't gonna bring this up. I'm not 695 00:35:17.119 --> 00:35:19.000 gonna bring the guy's name up. And I'm going to 696 00:35:19.079 --> 00:35:20.880 hop back to the phones in a second. By the way, 697 00:35:20.880 --> 00:35:23.320 we got three lines open love to hear from you 698 00:35:23.440 --> 00:35:27.199 three oh three seven to one three eight two five five, 699 00:35:27.280 --> 00:35:30.360 three oh three seven one three eight two five five 700 00:35:30.440 --> 00:35:34.960 or three zero three Martino. They both come here right now. 701 00:35:35.000 --> 00:35:37.079 And the three oh three Martino works on and off 702 00:35:37.119 --> 00:35:41.440 the ear. So I heard from a contractor that this 703 00:35:41.679 --> 00:35:44.360 goes to tell you guys something. Things that are put 704 00:35:44.400 --> 00:35:47.400 on the internet never die, never die. I'm not gonna 705 00:35:47.400 --> 00:35:49.880 say who the contractor is. I'm not gonna say I 706 00:35:49.920 --> 00:35:53.199 feel bad for the guy, because really I don't. I 707 00:35:53.239 --> 00:35:56.960 think what he did was a horrible thing. But we 708 00:35:57.079 --> 00:36:00.000 got zero complaints about him for a long period of time, 709 00:36:00.440 --> 00:36:04.360 and he reached out and wanted us to take down 710 00:36:04.880 --> 00:36:07.119 an article on Sleeves Brigade about him. 711 00:36:07.199 --> 00:36:08.480 So we gave it a lot of thought. 712 00:36:08.639 --> 00:36:11.079 In fact, I even did a poll on our YouTube 713 00:36:11.159 --> 00:36:14.079 channel years ago when we did this, and we decided, 714 00:36:14.159 --> 00:36:16.239 you know what, I think people can turn over a 715 00:36:16.280 --> 00:36:18.760 new leaf. I don't know, maybe he was an alcoholic 716 00:36:18.800 --> 00:36:21.360 and he quit drinking. Maybe he was a drug addict 717 00:36:21.400 --> 00:36:24.119 and he quit doing drugs. I don't know his story, 718 00:36:24.480 --> 00:36:28.320 but I do know one thing. We didn't get any 719 00:36:28.360 --> 00:36:31.639 calls on him for numerous years, maybe five years. So 720 00:36:31.679 --> 00:36:34.159 we said, you know what, Yeah, who were we to 721 00:36:34.320 --> 00:36:39.400 be keeping this guy up on sleaves Brigade Because anybody 722 00:36:39.440 --> 00:36:42.079 that he went out to get work from would type 723 00:36:42.079 --> 00:36:44.920 in his name, and I don't care what state you 724 00:36:44.960 --> 00:36:48.280 were in, the Sleeves Brigade dot com article would pop 725 00:36:48.360 --> 00:36:50.920 up and he just wasn't getting any job. So we 726 00:36:51.000 --> 00:36:54.679 took it down. The problem is the article was reposted 727 00:36:54.719 --> 00:36:58.159 by numerous people, one of them being It was reposted 728 00:36:58.199 --> 00:37:03.039 by an iHeart affiliate another AM radio station on their Facebook. 729 00:37:03.280 --> 00:37:05.920 I don't have any control over that. We took down 730 00:37:05.960 --> 00:37:07.400 the original post, but. 731 00:37:07.440 --> 00:37:09.280 They basically copied it. 732 00:37:09.280 --> 00:37:13.119 It was just a written post and reposted it themselves. 733 00:37:13.559 --> 00:37:16.280 So now the guy calls me last night or emails 734 00:37:16.320 --> 00:37:19.679 me wanting me to somehow figure out how to take 735 00:37:19.719 --> 00:37:23.360 it down everywhere on the Internet. Well that's impossible. That's 736 00:37:23.400 --> 00:37:26.679 why these kids that upload pictures and stuff to these 737 00:37:26.800 --> 00:37:30.559 sites or these uh you know what do they call it? Sexting. 738 00:37:30.920 --> 00:37:35.119 You know, teenagers, that's a big deal. Now, yeah, think 739 00:37:35.159 --> 00:37:38.440 about that. You've got two sixteen year olds that are dating. 740 00:37:38.559 --> 00:37:40.760 You know, they're heavy. You know, back in the day, 741 00:37:40.800 --> 00:37:43.639 you'd go out to make out point or back in 742 00:37:43.679 --> 00:37:45.280 the woods or wherever. You know. 743 00:37:45.719 --> 00:37:47.880 Now, how at the backseat of a car's used for. 744 00:37:47.880 --> 00:37:49.800 Yeah, Now it's all done on tablets. 745 00:37:49.880 --> 00:37:51.719 You know. Oh, here's a picture of me. Oh, here's 746 00:37:51.719 --> 00:37:56.159 a picture of me. Now they break up, someone uploads 747 00:37:56.199 --> 00:37:59.960 one of those somewhere that is there forever. It is 748 00:38:00.280 --> 00:38:04.239 there forever, which is mind blowing to me. Me growing 749 00:38:04.320 --> 00:38:06.599 up not like Doc. I mean, Doc, you didn't even 750 00:38:06.639 --> 00:38:08.039 have radio when you were born. 751 00:38:08.159 --> 00:38:10.880 We used clay tablets. Yeah, clay tablets. 752 00:38:10.960 --> 00:38:14.639 Yeah. The closest thing I grew up with the tablet. 753 00:38:15.119 --> 00:38:18.199 It was an etches sketch. And if they're kids listening, 754 00:38:18.239 --> 00:38:20.360 they probably have no idea what that is. But that's 755 00:38:20.400 --> 00:38:23.079 the only thing that all we had. We did have 756 00:38:23.239 --> 00:38:25.840 video games though, I had the Atari twenty six hundred 757 00:38:25.960 --> 00:38:28.519 is a child, and we had stuff like that, but 758 00:38:28.679 --> 00:38:31.519 that stuff was all pretty new. That was like my 759 00:38:31.760 --> 00:38:35.800 the eighties, the early eighties. But nowadays I feel bad 760 00:38:35.880 --> 00:38:38.280 for this guy. But at the same time, I'm like, 761 00:38:38.360 --> 00:38:40.480 I can't get rid of that stuff. People got to 762 00:38:40.559 --> 00:38:43.239 understand that when they post something like that, it's going 763 00:38:43.320 --> 00:38:44.159 to be there forever. 764 00:38:44.559 --> 00:38:48.039 I had a suggestion, what what this contract to White? 765 00:38:48.119 --> 00:38:51.440 Has any change his name or go to an ll. 766 00:38:51.519 --> 00:38:52.840 Sage change his name. 767 00:38:54.199 --> 00:38:54.559 Name? 768 00:38:54.840 --> 00:38:58.719 So yeah, I think you mean change his name James. 769 00:38:58.400 --> 00:39:01.039 The change his name or the businesses. 770 00:39:01.960 --> 00:39:02.920 Business name both. 771 00:39:03.000 --> 00:39:05.719 It's his name, yeah, and it ain't Fred Smith. 772 00:39:07.440 --> 00:39:12.039 I mean it's a crazy suggestion. But can he go 773 00:39:12.079 --> 00:39:15.039 to yelp write, write a letter to Yelp and remove it. 774 00:39:15.159 --> 00:39:18.800 I've heard that Yelp will remove disparaging ads, but you 775 00:39:18.840 --> 00:39:22.159 have to make a formal land. 776 00:39:22.239 --> 00:39:23.679 But this was a news article. 777 00:39:24.199 --> 00:39:24.559 They're not. 778 00:39:24.719 --> 00:39:27.599 I don't know how. Yelp first of all, can't remove 779 00:39:27.599 --> 00:39:31.360 anything from Facebook, nor can yelp remove anything from Google. 780 00:39:31.639 --> 00:39:34.760 Nor can yelp remove anything from YouTube. You see where 781 00:39:34.760 --> 00:39:36.880 I'm going. Yeah, I mean, you'd have to reach out 782 00:39:36.920 --> 00:39:40.719 to every single person. But he's like expecting me to 783 00:39:40.760 --> 00:39:43.440 do that, and it's like, you're crazy. It's like, I 784 00:39:43.440 --> 00:39:45.719 don't know what to tell you. But I did send 785 00:39:45.800 --> 00:39:49.599 one email to someone at iHeart at that station. The 786 00:39:49.639 --> 00:39:52.760 station's not even in this damn down to see if 787 00:39:52.800 --> 00:39:55.639 they configure something other than that. I'm done. 788 00:39:55.760 --> 00:39:58.920 I'm surprised, Like if they reposted the link, you would 789 00:39:58.920 --> 00:40:01.000 think if someone clicked on the link, it would be 790 00:40:01.079 --> 00:40:02.639 dead from us taking it down. 791 00:40:02.719 --> 00:40:07.440 No, because they recopied it. They literally didn't like repost 792 00:40:07.480 --> 00:40:11.119 it or linked to it. They simply highlighted it, copied it, 793 00:40:11.800 --> 00:40:13.639 and then did their own thing on it. 794 00:40:13.679 --> 00:40:18.079 Ouch poor contractor Yeah, wellly that detrimental to his business? 795 00:40:18.239 --> 00:40:19.840 This ads, Oh, it's crazy. 796 00:40:19.880 --> 00:40:23.440 He needs to change his go to initials instead of 797 00:40:23.480 --> 00:40:26.480 his name something. Well, the business isn't his name. But 798 00:40:26.519 --> 00:40:29.159 the problem is he does big stuff. I'm not even 799 00:40:29.199 --> 00:40:31.320 going to say what he does, but let's just say 800 00:40:31.320 --> 00:40:34.880 basement refinishes. So he comes over and he bids you 801 00:40:34.920 --> 00:40:38.840 on a thirty fifty thousand dollars project, unless, if you're insane, 802 00:40:38.840 --> 00:40:41.360 you're going to google whoever it is, So not just 803 00:40:41.440 --> 00:40:44.079 the company name. I'm sure you'll google that too, but 804 00:40:44.119 --> 00:40:46.639 I'm going to google whoever I'm dealing with, or at 805 00:40:46.719 --> 00:40:49.559 minimum the owner of the company that I'm getting ready 806 00:40:49.599 --> 00:40:52.719 to write a check for fifty thousand dollars to. And 807 00:40:52.760 --> 00:40:55.400 then the second you google him. The first thing that 808 00:40:55.480 --> 00:40:58.119 popped up. It doesn't pop up anymore because we got 809 00:40:58.199 --> 00:41:01.079 rid of it. Is the thing we did on Sleaves Brigade. 810 00:41:01.280 --> 00:41:04.039 But a lot of people copied that and did Facebook 811 00:41:04.079 --> 00:41:06.119 post and did other things with it. 812 00:41:06.599 --> 00:41:10.199 So it's just crazy. Now, Yeah, go ahead, go ahead. 813 00:41:10.519 --> 00:41:13.760 This is really something. This is really something. I'm proud of. 814 00:41:14.119 --> 00:41:16.119 AARP fraud watch network. 815 00:41:16.239 --> 00:41:17.559 My dad worked there for years. 816 00:41:17.639 --> 00:41:21.199 I am a part of. Got a bill signed about 817 00:41:21.360 --> 00:41:27.079 electronic ATM machines where you're going for bitcoin, and they 818 00:41:27.599 --> 00:41:28.960 I just want to read you. One of it is 819 00:41:28.960 --> 00:41:32.480 that you are entitled to a refund. The owner of 820 00:41:32.519 --> 00:41:35.880 the kiosk, if it's proved to be a fraud, has 821 00:41:35.920 --> 00:41:36.880 to return your money. 822 00:41:36.960 --> 00:41:39.639 So let's give a little perspective here. Then, I promise 823 00:41:39.679 --> 00:41:42.719 I'm going to go back to this O'Reilly call for 824 00:41:42.920 --> 00:41:45.360 this guy obvious read the warning that's on the machine now, 825 00:41:45.440 --> 00:41:47.400 but I still got to give context to what you're 826 00:41:47.400 --> 00:41:50.760 talking about. So there's ATM machines now that you can 827 00:41:50.840 --> 00:41:53.639 actually go buy crypto with or you can add to 828 00:41:53.639 --> 00:41:57.880 your account. We had one caller her dad went into 829 00:41:57.920 --> 00:42:01.119 a liquor store where there was a machine and put 830 00:42:01.239 --> 00:42:04.920 twenty five thousand dollars in it. I said, there's no way, 831 00:42:05.000 --> 00:42:07.559 I've never heard of an ATM, even at a bank 832 00:42:07.599 --> 00:42:10.920 where you can deposit that much money. Sure enough, they exist, 833 00:42:11.039 --> 00:42:13.639 and there is one in that liquor store. In fact, 834 00:42:13.639 --> 00:42:17.280 Deputy Bow, you went out there right that you were 835 00:42:17.400 --> 00:42:18.960 Chopper one of us. 836 00:42:19.000 --> 00:42:21.920 I think Chopper went which Chopper went out and investigated 837 00:42:21.960 --> 00:42:24.159 it and we called and it was I believe it was. 838 00:42:24.199 --> 00:42:25.840 He put forty grand into me. 839 00:42:25.960 --> 00:42:28.079 He did. He did two different transactions. 840 00:42:28.159 --> 00:42:30.840 Perpetrators were across the street watching him, and as soon 841 00:42:30.880 --> 00:42:32.760 as he left, they opened the machine up and took 842 00:42:32.760 --> 00:42:33.119 the cash. 843 00:42:33.320 --> 00:42:35.400 Well, either they opened it up and took to cash 844 00:42:35.519 --> 00:42:38.880 or it didn't matter. He bought crypto and he scanned 845 00:42:38.880 --> 00:42:41.199 a little bar that the crooks gave him and it 846 00:42:41.280 --> 00:42:44.159 went into their account. So whether they got to cash 847 00:42:44.239 --> 00:42:46.599 or not doesn't even matter, because they either got to 848 00:42:46.679 --> 00:42:48.480 cash or they got to crypto. 849 00:42:48.920 --> 00:42:51.480 But just the fact, can you imagine. 850 00:42:51.039 --> 00:42:53.880 If you could go up to an ATM and take 851 00:42:53.920 --> 00:42:55.519 twenty five thousand dollars out? 852 00:42:55.559 --> 00:42:56.320 You simply can't. 853 00:42:56.480 --> 00:42:59.119 I don't care if you're in the biggest casino in 854 00:42:59.280 --> 00:43:02.079 Las Vegas, You're not going to take out more than 855 00:43:02.119 --> 00:43:05.400 a thousand. Maybe some banks might let you take out 856 00:43:05.400 --> 00:43:08.320 two thousand, but the majority let you take out three 857 00:43:08.440 --> 00:43:12.880 hundred or five hundred, so but twenty five thousand's ridiculous. 858 00:43:13.000 --> 00:43:15.440 Then someone puts a gun to your head and wipes 859 00:43:15.480 --> 00:43:17.559 out your entire bank account in a day. 860 00:43:17.920 --> 00:43:18.599 That's why that. 861 00:43:18.679 --> 00:43:22.199 Safety stuff's up like that, But not for crypto. Okay, 862 00:43:22.199 --> 00:43:23.280 so when did this go? 863 00:43:23.800 --> 00:43:27.920 As of January? It was signed into law yesterday. It 864 00:43:27.960 --> 00:43:29.239 takes effect general. 865 00:43:29.000 --> 00:43:29.840 All as signed it. 866 00:43:30.239 --> 00:43:33.400 Everybody. It's a bill, So let me just seed you one. 867 00:43:33.920 --> 00:43:36.119 It can only do one thousand dollars a day. 868 00:43:36.519 --> 00:43:37.079 That's great. 869 00:43:37.159 --> 00:43:40.360 The owner is responsible for refunds and this one what. 870 00:43:40.320 --> 00:43:40.880 Does that mean? 871 00:43:40.960 --> 00:43:42.360 Responsible for refunds? 872 00:43:42.400 --> 00:43:45.320 If you buy the cryptom. 873 00:43:44.360 --> 00:43:48.400 His If you buy the crypto and somebody owns that machine, 874 00:43:48.880 --> 00:43:50.280 the owner of the machine, if. 875 00:43:50.159 --> 00:43:53.039 It's proven to be fraud, if it's proven to be fraud. 876 00:43:52.800 --> 00:43:54.239 Has to refund the money. 877 00:43:54.280 --> 00:43:54.679 Wow. 878 00:43:55.960 --> 00:43:59.960 Wow, here's the hold on, Hold on, doc, you're going 879 00:44:00.119 --> 00:44:02.840 too quick on this stuff. It's very interesting, Okay, do 880 00:44:02.960 --> 00:44:06.840 they get into the definition of fraud because in the 881 00:44:06.880 --> 00:44:11.039 case we're talking about, someone had this guy walk to 882 00:44:11.199 --> 00:44:15.320 the bank he withdrew twenty five thousand he walked into 883 00:44:15.360 --> 00:44:19.960 that machine and used the barcode the perpetrator sent them 884 00:44:20.159 --> 00:44:22.880 and did it. I don't know if that's that's not 885 00:44:22.960 --> 00:44:24.840 really fraud, that's him being dumb. 886 00:44:25.360 --> 00:44:27.679 Well, it may have been the inducement to do that 887 00:44:27.719 --> 00:44:28.719 may have been fraudulent. 888 00:44:29.039 --> 00:44:29.559 I don't know. 889 00:44:29.679 --> 00:44:32.840 Okay, So anyway, if it's proven to be fraud, but. 890 00:44:33.159 --> 00:44:36.079 Then the owner of that machine is responsible for the 891 00:44:36.400 --> 00:44:38.119 twenty five grand or forty grand. 892 00:44:38.159 --> 00:44:38.599 Correct. 893 00:44:38.760 --> 00:44:40.760 Wow, now his that's cool. 894 00:44:40.840 --> 00:44:44.880 Okay. Now this morning is posted on every machine. Let 895 00:44:44.880 --> 00:44:45.599 me be swait it for you. 896 00:44:45.760 --> 00:44:47.400 It has to be as of when. 897 00:44:47.599 --> 00:44:50.400 As of January first of twenty twenty six. Go ahead, 898 00:44:51.519 --> 00:44:57.119 it says wonning. This technology can be used to defraud 899 00:44:57.199 --> 00:45:03.039 you if you have been directed to this machine by 900 00:45:03.119 --> 00:45:08.880 someone claiming to be a government agent, bill collector, a 901 00:45:08.960 --> 00:45:16.280 law enforcement officer, or anyone I do not know personally. Yeah, 902 00:45:16.480 --> 00:45:22.199 stop this. I love insaction immediately and contact financial advisor 903 00:45:22.719 --> 00:45:23.880 or local law enforcement. 904 00:45:24.079 --> 00:45:25.559 I love every bit of that. 905 00:45:25.559 --> 00:45:26.599 That's on every machine. 906 00:45:26.679 --> 00:45:29.119 I love every bit of that. Hey, Chuck, I'm so 907 00:45:29.280 --> 00:45:31.360 Chuck called last hour. I just want to finish up 908 00:45:31.360 --> 00:45:32.239 with him. 909 00:45:32.360 --> 00:45:32.559 Chuck. 910 00:45:32.639 --> 00:45:35.800 Here's here's kind of the bottom line. I looked, and 911 00:45:35.920 --> 00:45:40.119 I have no idea how you would take white what 912 00:45:40.280 --> 00:45:43.519 is it called? Again? I already white diamond, white diamond 913 00:45:44.159 --> 00:45:47.519 or the manufacturers of it. I mean I looked up 914 00:45:47.559 --> 00:45:50.559 the manufacture. It's like a white diamond something something. 915 00:45:50.960 --> 00:45:53.960 But I do not see industries. 916 00:45:54.280 --> 00:45:57.559 Yeah, who is it industries? 917 00:45:57.880 --> 00:46:00.320 Oh wait a minute, hold on, I did not see 918 00:46:00.320 --> 00:46:08.039 that hold on Schultz like in a Snoopy nothing. Yeah, 919 00:46:08.079 --> 00:46:08.599 it's funny. 920 00:46:08.639 --> 00:46:09.519 I go to Snoopy. 921 00:46:09.599 --> 00:46:13.719 He goes to sergeant Schnltz. Wasn't the guy that did Snoopy? 922 00:46:14.079 --> 00:46:15.239 Wasn't his name Schultz? 923 00:46:15.480 --> 00:46:15.639 No? 924 00:46:15.679 --> 00:46:17.559 That was it was Charles. 925 00:46:17.599 --> 00:46:19.119 It wasn't Charles schultzls. 926 00:46:19.559 --> 00:46:21.960 Yeah, Charles Schultz, the creator. 927 00:46:22.440 --> 00:46:25.559 I've reached out to them on it. My here's here's 928 00:46:25.559 --> 00:46:27.679 what the end goal. It's only two hundred fifty bucks. 929 00:46:27.679 --> 00:46:30.239 My dog's gonna be okay. Is if they have something 930 00:46:30.280 --> 00:46:33.639 on the shelf that has it's poison and he says 931 00:46:33.679 --> 00:46:36.400 so could cause death and they have it with a 932 00:46:36.440 --> 00:46:37.239 sweet smell. 933 00:46:37.760 --> 00:46:40.000 It's crazy, you say the kids should be better. 934 00:46:40.039 --> 00:46:42.280 Well, but you know what's funny. You can't go buy 935 00:46:42.920 --> 00:46:45.079 you can't. I'm not even sure if this is true. 936 00:46:45.079 --> 00:46:47.679 Now it seems to change every year. You can't go 937 00:46:47.800 --> 00:46:52.440 buy a flavored vape because they don't want kids smoking 938 00:46:52.559 --> 00:46:56.800 watermelon or whatever. Strawberry. Literally, you can't go. You can't 939 00:46:56.800 --> 00:46:59.880 buy flavored stuff, but you can buy something like this 940 00:47:00.239 --> 00:47:03.719 that smells like vanilla. They could literally, you know, kill you. 941 00:47:03.960 --> 00:47:06.679 I think vake kills you eventually, but it doesn't kill 942 00:47:06.679 --> 00:47:07.280 you that day. 943 00:47:07.440 --> 00:47:11.079 But I have two words personal responsibility. If you buy 944 00:47:11.119 --> 00:47:15.079 something that you know is poison, it's your responsibility to 945 00:47:15.199 --> 00:47:16.159 keep it out of the region. 946 00:47:16.679 --> 00:47:19.159 I looked here, Schultz Industries. 947 00:47:19.320 --> 00:47:22.079 We've all been around toddlers to climb over everything. 948 00:47:22.079 --> 00:47:23.159 That was my main concern. 949 00:47:23.280 --> 00:47:26.199 Yeah, fine, no, it's bad though. 950 00:47:26.280 --> 00:47:26.639 Dogs. 951 00:47:26.960 --> 00:47:30.880 You could make the same argument with Annie Freeze. It's 952 00:47:30.960 --> 00:47:31.800 got a sweet taste. 953 00:47:31.840 --> 00:47:35.440 You're at the o'rallies. Was to me he was over 954 00:47:35.480 --> 00:47:35.960 the top. 955 00:47:36.000 --> 00:47:39.000 But I'm like wow, and I'm standing there looking at 956 00:47:39.079 --> 00:47:40.079 him like check check. 957 00:47:40.159 --> 00:47:42.960 Let me finish my thought on this. What I would do. Honestly, 958 00:47:43.039 --> 00:47:45.280 I think I would do this if you really wanted to. 959 00:47:45.880 --> 00:47:49.280 I would figure out who the distribution path went and 960 00:47:49.320 --> 00:47:52.719 whoever delivered it to the store, or I would sue 961 00:47:53.119 --> 00:47:55.920 that store for two hundred and fifty bucks. In small 962 00:47:55.960 --> 00:47:58.639 claims court. Now, I don't think you have a leg 963 00:47:58.719 --> 00:48:01.880 to stand on. I'm going to say that, but they're 964 00:48:01.920 --> 00:48:05.320 going to have to think real hard. Whoever's at O'Reilly's. 965 00:48:05.960 --> 00:48:08.239 Do they want to snuff this out for two hundred 966 00:48:08.239 --> 00:48:11.079 and fifty or three hundred bucks with court costs? Or 967 00:48:11.119 --> 00:48:15.119 do they want to show up and waste two days 968 00:48:15.360 --> 00:48:18.320 out of their life to defend it? And I'm telling 969 00:48:18.360 --> 00:48:22.039 you right now, any smart business would hand you the 970 00:48:22.119 --> 00:48:24.679 three hundred bucks and then they would go to that 971 00:48:24.800 --> 00:48:29.119 manufacturer distributor and say give me my three hundred bucks. 972 00:48:29.280 --> 00:48:30.960 So I would personally do that. 973 00:48:31.159 --> 00:48:34.679 You're in my head. So here's what I did. I 974 00:48:34.760 --> 00:48:39.079 went to the Consumer Protection Safety Commission Sweet and dug around, 975 00:48:39.159 --> 00:48:44.480 called somebody and filed a formal complaint for his shows 976 00:48:44.599 --> 00:48:49.119 laboratories Wow, stating that it's an unsafe product. It was 977 00:48:49.159 --> 00:48:51.280 a little bit of stepping and fetching. 978 00:48:51.480 --> 00:48:55.559 And if I have what did they say about what happened? 979 00:48:56.320 --> 00:48:57.559 Well, I haven't got response. 980 00:48:57.360 --> 00:48:58.960 They said that they've got I just did it. 981 00:48:58.880 --> 00:48:59.840 This morning before I call it. 982 00:48:59.880 --> 00:49:01.480 You guys. 983 00:49:02.320 --> 00:49:04.639 The product, We're fine, but you don't need to put 984 00:49:04.800 --> 00:49:05.280 I get it. 985 00:49:05.360 --> 00:49:07.679 We don't need to rehash it. It is strange. I 986 00:49:07.719 --> 00:49:10.679 don't know why they put vanilla in it. It's nuts, man. 987 00:49:10.880 --> 00:49:15.559 It's like taking like here right, yeah, exactly. 988 00:49:15.599 --> 00:49:19.159 You make it smell like I don't know anything that's 989 00:49:19.199 --> 00:49:22.239 addible is crazy. I don't get that, Park. I gotta 990 00:49:22.320 --> 00:49:29.000 take this break to a whole line, Joe Keano, I 991 00:49:29.039 --> 00:49:31.960 want to talk to you about a couple different things. 992 00:49:32.000 --> 00:49:34.280 I want to talk to you about annuities in general. 993 00:49:34.519 --> 00:49:37.000 And this is important. If anybody out there is listening, 994 00:49:37.159 --> 00:49:40.840 there's bad information out there on annuities, and there's good information. 995 00:49:40.920 --> 00:49:43.719 You're going to hear some good information here. Here's kind 996 00:49:43.719 --> 00:49:46.039 of the deal. Here's how I look at them. You 997 00:49:46.079 --> 00:49:49.840 give up some of the liquidity for guaranteed money when 998 00:49:49.880 --> 00:49:52.960 you buy an annuity, and I realize you can borrow 999 00:49:53.039 --> 00:49:55.320 a certain amount from it. If you have a half 1000 00:49:55.400 --> 00:49:58.360 a million dollar annuity, or let's use use round numbers, 1001 00:49:58.360 --> 00:50:01.119 a million dollar annuity, you can borrow one hundred thousand 1002 00:50:01.159 --> 00:50:04.360 dollars a year every year, so you can definitely get 1003 00:50:04.400 --> 00:50:06.559 some of it, but you're locked into it. It's a 1004 00:50:06.599 --> 00:50:10.039 retirement vehicle. It's like trying to get your Social Security 1005 00:50:10.039 --> 00:50:12.679 when you're fifty. It is what it is. It's there, 1006 00:50:12.800 --> 00:50:16.000 it's building, and it's going to continue to build. The 1007 00:50:16.159 --> 00:50:20.000 thing I think people get nervous is when they die. 1008 00:50:20.119 --> 00:50:23.320 The biggest thing I get is, Okay, I'm fifty years old. 1009 00:50:23.440 --> 00:50:25.760 If I get an annuity right now, once again, I'll 1010 00:50:25.800 --> 00:50:28.039 use a million dollars, it doesn't matter. Or one hundred 1011 00:50:28.079 --> 00:50:30.800 thousand dollars. If I get one hundred thousand dollars annuity. 1012 00:50:30.840 --> 00:50:33.920 Now I realize, by the time I'm seventy, or whenever 1013 00:50:33.960 --> 00:50:37.280 I pull the trigger on full time retirement, or whenever 1014 00:50:37.360 --> 00:50:40.199 I want that cash flow, I'm going to get a 1015 00:50:40.239 --> 00:50:42.199 lot per month, and I'm going to get that till 1016 00:50:42.239 --> 00:50:44.840 the day I die. A lot of people fear, though, 1017 00:50:45.280 --> 00:50:47.480 Let's say they turn it on at seventy and I'm 1018 00:50:47.519 --> 00:50:50.599 just throwing numbers out and they're getting three thousand dollars 1019 00:50:50.599 --> 00:50:52.920 a month for the rest of their life, and then 1020 00:50:53.760 --> 00:50:56.159 we'll talk about long term care and the other benefits 1021 00:50:56.199 --> 00:50:56.559 as well. 1022 00:50:56.599 --> 00:50:58.880 But a lot of people are afraid. 1023 00:50:58.559 --> 00:51:02.320 When they die that just goes away. And here they did. 1024 00:51:02.360 --> 00:51:05.960 They spend one hundred thousand and instead of getting three 1025 00:51:06.000 --> 00:51:08.920 thousand or thirty six thousand dollars a year till the 1026 00:51:09.039 --> 00:51:11.880 day they die. That it just goes away. Well, that's 1027 00:51:11.880 --> 00:51:14.679 simply not true. There used to be some annuities that 1028 00:51:14.719 --> 00:51:18.719 were like that. But now the reality is your offspring 1029 00:51:18.920 --> 00:51:22.119 or your beneficiary, no matter who it is, gets that 1030 00:51:22.280 --> 00:51:25.519 you never, no matter what, And I want you to clarify. 1031 00:51:25.440 --> 00:51:28.239 No matter what, will you ever lose. 1032 00:51:28.400 --> 00:51:32.039 One nickel of principle in the products that you sell? 1033 00:51:32.559 --> 00:51:37.880 Uh none, no, zero, zero guaranteed guaranteed. And that is 1034 00:51:37.920 --> 00:51:40.920 the beautiful thing about our annuities. You know, you're right, Mark, 1035 00:51:40.960 --> 00:51:44.440 there's some good annuities and there's some bad annuities. Okay, 1036 00:51:44.840 --> 00:51:48.119 the new annuities, the ones that we promote are actually 1037 00:51:48.719 --> 00:51:52.639 very flexible, very very flexible. Just like you said earlier. 1038 00:51:53.000 --> 00:51:55.800 People can actually take ten percent of their whole account 1039 00:51:55.880 --> 00:51:59.199 value every year now that they can put it back 1040 00:51:59.239 --> 00:52:04.840 into absolutely that annuity will grow every single year. But 1041 00:52:04.920 --> 00:52:08.599 when the market comes down level Yeah, let me say 1042 00:52:08.639 --> 00:52:11.079 something real quickly. You know, I just came back from 1043 00:52:11.079 --> 00:52:13.639 Saint Thomas. We took a trip over there. I had 1044 00:52:13.639 --> 00:52:16.559 a financial seminar that I went to over there, and 1045 00:52:16.960 --> 00:52:21.199 coming back to Denver, it was the bumpiest right I 1046 00:52:21.239 --> 00:52:23.679 have ever. I mean, I mean, this is the worst 1047 00:52:23.679 --> 00:52:26.920 turbuy lance that I have ever experienced. And my wife 1048 00:52:27.079 --> 00:52:30.119 were holding hands. It was so I mean, there was 1049 00:52:30.440 --> 00:52:32.920 no one on the planet say no, I mean it. 1050 00:52:32.960 --> 00:52:34.360 I mean it was not amazing. 1051 00:52:34.440 --> 00:52:37.400 So I begin to think about this because see, that's 1052 00:52:37.480 --> 00:52:41.840 exactly the feeling that people get today with the stock market. 1053 00:52:42.360 --> 00:52:45.880 Have you seen it lately? Yeah, it's crazy, mean, so volatile, 1054 00:52:46.119 --> 00:52:48.800 especially with the tariff talks into nuts and I'm telling 1055 00:52:48.840 --> 00:52:50.800 you right now it's down. Okay. 1056 00:52:50.840 --> 00:52:53.880 So the key is people are losing money. We are 1057 00:52:53.920 --> 00:52:58.320 going into a very turbulent economy right now. The market 1058 00:52:58.960 --> 00:53:01.199 worked in the past, may not be working as well. 1059 00:53:01.239 --> 00:53:03.679 Do they may work in the future, but do you 1060 00:53:03.800 --> 00:53:06.360 have the time? That is the whole idea. Do you 1061 00:53:06.440 --> 00:53:08.559 have time and for the market to recover. 1062 00:53:08.679 --> 00:53:11.719 The other thing is you do participate in the upside 1063 00:53:11.760 --> 00:53:14.519 with the products you sell. You just don't participate in 1064 00:53:14.559 --> 00:53:18.360 the downside. If the stock market's on fire in twenty 1065 00:53:18.400 --> 00:53:19.280 twenty four. 1066 00:53:20.079 --> 00:53:21.199 You made more money. 1067 00:53:21.280 --> 00:53:27.639 Absolutely, whatever you had invested in that annuity grew grown beautifully. Absolutely. 1068 00:53:27.719 --> 00:53:30.719 When you start getting into the turbulence, as you're putting it, 1069 00:53:31.079 --> 00:53:32.480 then then all of a sudden you. 1070 00:53:32.480 --> 00:53:34.880 Lock Yet you're lucked in, and you know you were 1071 00:53:34.920 --> 00:53:38.079 talking about the guaranteed income for life. Yeah, you know, 1072 00:53:38.440 --> 00:53:43.320 our annuities will give our clients a guarantee pay check. 1073 00:53:43.400 --> 00:53:45.679 It's like a pantry, single year for the. 1074 00:53:45.599 --> 00:53:49.039 Rest of their lives, and if they pass away unexpectedly, 1075 00:53:49.519 --> 00:53:53.440 the whole account value everything on that annuity goes to 1076 00:53:53.559 --> 00:53:54.400 the beneficiary. 1077 00:53:54.519 --> 00:53:56.880 Everything they grew is the best of both worlds. 1078 00:53:56.920 --> 00:54:01.079 Mark you can have potential for growth and protect against 1079 00:54:01.119 --> 00:54:02.000 loosing your money. 1080 00:54:02.079 --> 00:54:04.840 To people, If someone lives to like one hundred, do 1081 00:54:04.880 --> 00:54:09.280 they ever outlive? In other words, do they make so 1082 00:54:09.360 --> 00:54:12.880 much money? It's ridiculous on that because they're not dying 1083 00:54:12.880 --> 00:54:16.079 at eighty or whatever a man is supposed to die at. Now, 1084 00:54:16.199 --> 00:54:18.360 they live to one hundred and five, I mean, they 1085 00:54:18.360 --> 00:54:21.480 definitely did better on it than someone that dies at eighty. 1086 00:54:21.320 --> 00:54:23.679 That is right, But you know what, it really doesn't 1087 00:54:23.679 --> 00:54:26.000 matter because the whole account balance is what we'll go 1088 00:54:26.079 --> 00:54:26.960 to the beneficiary. 1089 00:54:27.159 --> 00:54:29.639 Yeah, if you pass away, but I mean if you live. 1090 00:54:29.800 --> 00:54:31.840 But people, I guess what I'm saying is can you 1091 00:54:32.000 --> 00:54:35.960 outlive the value if you're guaranteetedly That's what I mean. 1092 00:54:36.000 --> 00:54:38.679 If you're guaranteed a paycheck till the day you die, 1093 00:54:38.760 --> 00:54:42.159 that account value could be zero, but you still get it. 1094 00:54:42.239 --> 00:54:45.360 That's right, You're still getting the paycheck. See, that's security, 1095 00:54:45.559 --> 00:54:48.920 and that's what really people need in today's economy. They 1096 00:54:48.960 --> 00:54:51.840 want to have security for life. Well, it's nice having that. 1097 00:54:52.000 --> 00:54:55.159 I mean, I like participating in big gains, which also 1098 00:54:55.280 --> 00:54:58.159 comes with big losses. But at the same time, it's 1099 00:54:58.239 --> 00:55:01.599 nice having something that no, no matter what, you're going 1100 00:55:01.679 --> 00:55:04.079 to be hitting each month. Just let me say this 1101 00:55:04.159 --> 00:55:06.320 rue and then hold on though, because we didn't talk 1102 00:55:06.360 --> 00:55:08.960 about the long term care part of it. That part's 1103 00:55:09.000 --> 00:55:12.840 pretty amazing because that doubles it. So let's take let's. 1104 00:55:12.639 --> 00:55:13.880 Take a number you gave me. 1105 00:55:15.719 --> 00:55:17.960 I think we were talking a half a million dollars 1106 00:55:17.960 --> 00:55:22.480 at age fifty. If I retired right around seventy, it 1107 00:55:22.599 --> 00:55:25.519 was about eight thousand a month, and I'd get that 1108 00:55:25.679 --> 00:55:29.440 forever forever. Yeah, But if all of a sudden, I 1109 00:55:29.440 --> 00:55:32.320 can't cook for myself and I can't shower, isn't it 1110 00:55:32.360 --> 00:55:35.440 two things? Yeah, do out of the six activities of 1111 00:55:35.519 --> 00:55:36.079 daily living? 1112 00:55:36.239 --> 00:55:39.639 Yeah, two out in the dressing, you know, bathing, Yeah, 1113 00:55:39.719 --> 00:55:42.000 holding your bladder, It doubles, it doubles. 1114 00:55:42.039 --> 00:55:44.519 Then I get sixteen thousand for the rest of your 1115 00:55:44.559 --> 00:55:46.480 life for the rest of my life. And what's crazy 1116 00:55:46.599 --> 00:55:49.599 about that is looking at long term because my parents' 1117 00:55:49.639 --> 00:55:54.599 age long term facilities. They're in Florida and they're a 1118 00:55:54.639 --> 00:55:57.239 little cheaper than here in Colorado. And Colorado they're over 1119 00:55:57.280 --> 00:55:59.360 ten thousand dollars a lot, right, I mean for a 1120 00:55:59.400 --> 00:56:01.840 decent one. I mean we're not talking to Section eight 1121 00:56:02.000 --> 00:56:04.920 kind of place. No, we're talking a real, real place. 1122 00:56:05.039 --> 00:56:08.159 And we're not talking the best either. But in Florida 1123 00:56:08.199 --> 00:56:12.000 they're about eight thousand. And think about that. You have 1124 00:56:12.239 --> 00:56:16.440 sixteen thousand in that scenario, now ten thousand to pay 1125 00:56:16.719 --> 00:56:19.960 whatever you need in a facility or bring people into 1126 00:56:19.960 --> 00:56:22.400 your house every day however you want to do it. 1127 00:56:22.760 --> 00:56:25.320 And then on top of that, on top of that 1128 00:56:25.320 --> 00:56:27.840 that once again, like you said, till the day you die, 1129 00:56:27.920 --> 00:56:28.920 once it's implemented. 1130 00:56:29.360 --> 00:56:31.880 I mean, this is the best of both worlds. Mark, 1131 00:56:32.239 --> 00:56:36.079 I don't understand why people you don't shoot, I mean, 1132 00:56:36.119 --> 00:56:40.760 why they're not looking to have a portion of their portfolio. Yeah, 1133 00:56:40.840 --> 00:56:44.559 portion to a guaranteed account, especially your. 1134 00:56:44.400 --> 00:56:47.320 Younger, your account. Your son ran a number for me 1135 00:56:47.400 --> 00:56:52.199 that was crazy, you guys sold I think it was 1136 00:56:52.239 --> 00:56:55.280 a twenty year old, a twenty year old a ten 1137 00:56:55.360 --> 00:56:56.960 thousand dollars annuity, right? 1138 00:56:57.239 --> 00:56:58.320 Is that was that age? 1139 00:56:58.360 --> 00:56:58.519 Right? 1140 00:56:58.639 --> 00:57:02.880 Eighteen? Yeah, listen to this when that kid imagine if 1141 00:57:02.920 --> 00:57:06.480 that's your grandson right now, when that kid retires, it's 1142 00:57:06.480 --> 00:57:11.960 sixty five or seventy whatever number we ran ten thousand dollars. Now, okay, 1143 00:57:12.360 --> 00:57:14.280 when he retires, how much did he have? Do you 1144 00:57:14.320 --> 00:57:18.760 even remember? I don't remember a million dollars? Right? Over 1145 00:57:18.840 --> 00:57:22.280 a million dollars for a ten thousand dollars investment dow' 1146 00:57:22.280 --> 00:57:25.000 speA because you have time, of course, that is the 1147 00:57:25.079 --> 00:57:28.079 holy people, Like Deputy Doc, you got an annuity that 1148 00:57:28.159 --> 00:57:31.440 turned on almost immediately, like in thirty days exactly. 1149 00:57:31.480 --> 00:57:34.519 It's called an immediate annuity, right, Because it's called an 1150 00:57:34.559 --> 00:57:36.280 immediate annuity, right. 1151 00:57:36.119 --> 00:57:39.199 And yours actually goes up each year if the cost 1152 00:57:39.239 --> 00:57:40.039 of living goes up. 1153 00:57:40.079 --> 00:57:42.679 Well, the deal is, it's it's it's tagged to the 1154 00:57:42.719 --> 00:57:46.079 sock market. Got so on my adversary date. If the 1155 00:57:46.119 --> 00:57:49.119 sock market has gone up a certain amount, it's increased. 1156 00:57:49.280 --> 00:57:52.679 If the sock market has gone down, I'm guaranteed a 1157 00:57:52.760 --> 00:57:55.960 three percent cost of living increase, no matter what, no 1158 00:57:55.960 --> 00:57:56.320 matter what. 1159 00:57:56.639 --> 00:57:59.159 But so your payment, of course never goes down. 1160 00:57:59.159 --> 00:58:00.360 I thought it out thirteen. 1161 00:58:00.719 --> 00:58:01.400 You did it, and. 1162 00:58:01.360 --> 00:58:03.159 I just want to ask you this stock for real, 1163 00:58:03.719 --> 00:58:06.599 you you did it. I'm not gonna use real numbers, 1164 00:58:06.599 --> 00:58:08.880 but let's say a half a million bucks instead of 1165 00:58:08.920 --> 00:58:11.480 having a half a million dollars in the bank, you 1166 00:58:11.559 --> 00:58:14.840 wanted to make sure, no matter what, you have a 1167 00:58:14.960 --> 00:58:18.480 check coming in that can cover your mortgage, cover your living, 1168 00:58:18.599 --> 00:58:23.119 cover everything. So you gave up that liquidity for literally 1169 00:58:23.519 --> 00:58:24.920 having that guaranteed money. 1170 00:58:25.119 --> 00:58:27.719 And I'd say it went from thirteen hundred originally to 1171 00:58:27.800 --> 00:58:30.159 two thousand now, so now you're in a one thousand, 1172 00:58:30.440 --> 00:58:32.400 two thousand months thirteen hundred a month. 1173 00:58:32.440 --> 00:58:33.480 Wow, that's insane. 1174 00:58:33.480 --> 00:58:35.760 So that is, you know, to the point you know, 1175 00:58:35.800 --> 00:58:40.440 we're going to be having a webinar, yeah, on June seventeenth, Okay, 1176 00:58:41.000 --> 00:58:45.159 and it's gonna be called Don't Worry, Retire Happy and 1177 00:58:45.159 --> 00:58:47.719 and and the whole idea behind this book. 1178 00:58:47.800 --> 00:58:49.519 All Right, I got a break and then we're gonna 1179 00:58:49.519 --> 00:58:51.400 get We're gonna give that in throw out over this. 1180 00:58:52.119 --> 00:58:54.960 We got some open lines three oh three seven, one 1181 00:58:55.079 --> 00:58:56.559 three eight two five five. 1182 00:58:56.559 --> 00:58:57.239 I want to hear from them. 1183 00:58:57.360 --> 00:58:57.960 I see the book. 1184 00:59:02.000 --> 00:59:04.559 I know people are going ah iknities are boring. Honestly, 1185 00:59:04.599 --> 00:59:07.639 they're a big part of retirement these days. In fact, 1186 00:59:07.719 --> 00:59:10.920 Jr's got a question on annuities. Go ahead, JR. 1187 00:59:11.599 --> 00:59:12.920 H I got a question for you, Mark. 1188 00:59:13.000 --> 00:59:14.360 I listen to you guys all the time. 1189 00:59:14.760 --> 00:59:17.840 I'm sitting, uh, just cash, and it's just to save 1190 00:59:17.880 --> 00:59:20.400 these account at US Bank. At two hundred and twenty 1191 00:59:20.400 --> 00:59:23.119 four thousand, I'm getting a three point little under three 1192 00:59:23.119 --> 00:59:26.760 point five percent, so about six hundred bucks a month. 1193 00:59:27.599 --> 00:59:31.000 But do I with this annuity he's talking about if 1194 00:59:31.039 --> 00:59:32.079 I want to pull my money? 1195 00:59:32.079 --> 00:59:32.719 Can I pull it? 1196 00:59:32.960 --> 00:59:33.519 Or can I? 1197 00:59:33.920 --> 00:59:37.480 You can borrow. You could borrow up to ten percent 1198 00:59:37.639 --> 00:59:40.880 each year. So at two hundred thousand and whatever, you 1199 00:59:40.880 --> 00:59:43.639 could borrow twenty thousand plus a year, but you don't 1200 00:59:43.639 --> 00:59:44.519 have to pay it back. 1201 00:59:44.559 --> 00:59:47.079 You can pull out ten percent each year. 1202 00:59:48.119 --> 00:59:48.400 Okay. 1203 00:59:48.440 --> 00:59:50.159 Now, what if I die, because I'm getting close to 1204 00:59:50.159 --> 00:59:51.239 seventy What if I die? 1205 00:59:51.440 --> 00:59:51.639 Yeah? 1206 00:59:51.679 --> 00:59:52.760 What if I kick the budget? 1207 00:59:52.840 --> 00:59:55.840 All the money goes to whoever your beneficiary is, your kids, 1208 00:59:55.880 --> 00:59:58.719 your wife, whoever set up the total account value. But 1209 00:59:59.159 --> 01:00:01.639 I want to say some something a little different than 1210 01:00:01.639 --> 01:00:04.239 I'm gonna let Joe chime in. You're crazy where your 1211 01:00:04.280 --> 01:00:07.599 money is right now? If you wanted just to sit 1212 01:00:07.679 --> 01:00:11.000 and be liquid, you can open up a free Schwab 1213 01:00:11.039 --> 01:00:16.480 account and they have a seven day yield called swvxx. 1214 01:00:16.760 --> 01:00:20.000 It's called their Schwab Prime Advantage Money Fund, and it's 1215 01:00:20.079 --> 01:00:23.800 around five percent and that can be liquid within one day. 1216 01:00:24.960 --> 01:00:28.519 Oh wow, Yeah, that's only five that's only five percent growth. 1217 01:00:29.000 --> 01:00:31.519 But that can be liquid in one day. That's better 1218 01:00:31.559 --> 01:00:33.880 than all the on lane banks. And there's some other 1219 01:00:33.920 --> 01:00:36.320 stuff like that out there. But for the kind of 1220 01:00:36.320 --> 01:00:40.079 money you're talking, you know, it's seventy years old. I mean, 1221 01:00:40.519 --> 01:00:42.840 you just have to crunch the numbers, Joe. I mean, 1222 01:00:42.880 --> 01:00:46.079 here's the bottom line. He's seventy he's got two hundred 1223 01:00:46.079 --> 01:00:48.880 and whatever. Whether he wanted to do one hundred thousand 1224 01:00:48.960 --> 01:00:52.480 and turn that into guaranteed or two hundred thousand, whatever 1225 01:00:52.519 --> 01:00:55.320 he wants to do. You can literally punch the numbers 1226 01:00:55.480 --> 01:00:59.480 absolutely jar Now, let me ask you this, I mean, 1227 01:00:59.519 --> 01:01:01.519 do you need money right now for retirement? 1228 01:01:02.840 --> 01:01:05.960 Well, I'm making thirty four hundred a month social Security 1229 01:01:05.960 --> 01:01:07.199 and I still work for Costco. 1230 01:01:07.239 --> 01:01:08.280 I've been working at Costco. 1231 01:01:08.719 --> 01:01:08.960 Nice. 1232 01:01:09.039 --> 01:01:12.400 Wonderful, wonderful. Well, you know, this annuity would probably be 1233 01:01:13.000 --> 01:01:16.880 a fantastic vehicle for you because it will grow when 1234 01:01:16.960 --> 01:01:19.199 the stock market grows. Okay, nothing to do with a 1235 01:01:19.239 --> 01:01:19.760 stock carger. 1236 01:01:19.840 --> 01:01:21.480 And you can turn it on whenever you. 1237 01:01:21.480 --> 01:01:23.960 Want to turn the income on begin in the second 1238 01:01:24.039 --> 01:01:26.159 year to give you get a guy, you get a 1239 01:01:26.239 --> 01:01:29.760 guaranteed lifetime income JR JR. 1240 01:01:29.840 --> 01:01:34.719 There's something else called staggering, which is interesting. There's people 1241 01:01:34.719 --> 01:01:37.519 that have two or three annuities so instead of having one, 1242 01:01:37.920 --> 01:01:41.400 because once you turn that income stream on, it basically 1243 01:01:41.480 --> 01:01:43.880 calculates how much you're going to get a month, and 1244 01:01:43.960 --> 01:01:45.960 you're going to get that till the day you die. 1245 01:01:46.039 --> 01:01:48.280 So some people, like in your case, you have thirty 1246 01:01:48.280 --> 01:01:52.280 four hundred dollars from one income social Security and you're 1247 01:01:52.320 --> 01:01:55.519 still working, well when you quit working, you might want 1248 01:01:55.559 --> 01:01:58.960 to just get that part time income replenished, where let's 1249 01:01:58.960 --> 01:02:02.119 say you add auity for one hundred thousand, you could 1250 01:02:02.199 --> 01:02:05.480 turn that on after a few years whenever you retire 1251 01:02:05.480 --> 01:02:09.800 from Costco and then that would most likely cover whatever 1252 01:02:09.840 --> 01:02:12.519 you were missing from Costco, and then the other one 1253 01:02:12.559 --> 01:02:15.280 could sit there liquid in a Schwab account, or you 1254 01:02:15.320 --> 01:02:18.320 could have another annuity to where if you wanted more 1255 01:02:18.400 --> 01:02:20.880 money per month down the road, you let that one, 1256 01:02:21.000 --> 01:02:23.679 keep growing until you need that. But to answer your 1257 01:02:23.679 --> 01:02:25.960 original question that I got a break, then we'll see 1258 01:02:26.000 --> 01:02:30.920 if you have any other questions. Your original question was basically, 1259 01:02:30.960 --> 01:02:34.760 what happens to the money, well, the entire value of 1260 01:02:34.800 --> 01:02:38.639 the account, including the bonus if you get one that's 1261 01:02:38.679 --> 01:02:42.800 got like a fifteen percent bonus. Everything goes directly to 1262 01:02:42.920 --> 01:02:45.360 your offspring or to your beneficiaries. 1263 01:02:45.400 --> 01:02:51.320 The way to put it hold on. By the way, 1264 01:02:51.440 --> 01:02:53.599 join us on YouTube. 1265 01:02:54.320 --> 01:02:57.400 You can find us at if you go to YouTube, 1266 01:02:57.400 --> 01:03:00.760 type in Troubleshooter Network and there's a show behind the show. 1267 01:03:00.960 --> 01:03:03.079 I don't know how the conversation came up, but we 1268 01:03:03.079 --> 01:03:05.360 were talking about the new Pope. We were all kind 1269 01:03:05.360 --> 01:03:09.320 of surprised that the new Pope was from the United States. 1270 01:03:09.360 --> 01:03:12.559 I mean, that's crazy, And I was looking for the odds. 1271 01:03:12.559 --> 01:03:17.119 Sure enough, Calshey six point seven million in bets on 1272 01:03:17.159 --> 01:03:23.599 the recent conclave. Poly Market cryptocurncy based betting platform eighteen 1273 01:03:23.840 --> 01:03:26.920 million on that same event. So right there, that's just 1274 01:03:26.960 --> 01:03:29.880 two of them guys twenty four million. It's not saying 1275 01:03:30.360 --> 01:03:33.400 like I'd like to know. Yeah, I would have liked 1276 01:03:33.440 --> 01:03:35.960 to known what the odds are on poly Market. I've 1277 01:03:36.000 --> 01:03:40.639 watched elections before, like the Trump election. It pays like 1278 01:03:41.159 --> 01:03:44.079 Trump could be one hundred. You know, for each hundred 1279 01:03:44.440 --> 01:03:47.599 you would get one hundred and fifty and Kamalae at 1280 01:03:47.639 --> 01:03:51.119 the time, for each one hundred you would only get fifty. 1281 01:03:51.280 --> 01:03:52.360 I mean that's kind of how. 1282 01:03:52.239 --> 01:03:52.760 They do it. 1283 01:03:53.159 --> 01:03:55.239 Yeah, they do it a little different than like ten 1284 01:03:55.280 --> 01:03:58.679 to one or whatever. It's more like as like a 1285 01:03:58.679 --> 01:04:01.559 base now, not even like a baseball game, more like 1286 01:04:01.599 --> 01:04:05.159 a hockey game. Actually, now, Joe, I want to finish 1287 01:04:05.280 --> 01:04:08.000 up on these annuities. Then we've got a big one 1288 01:04:08.039 --> 01:04:08.639 coming up. 1289 01:04:09.320 --> 01:04:09.639 Uh. 1290 01:04:09.719 --> 01:04:12.159 This guy, this poor guy is dealing with a lot 1291 01:04:12.159 --> 01:04:15.400 of people. Are Larry's got an issue with Express Lanes. 1292 01:04:15.440 --> 01:04:18.519 The good news Larry is we've got a contact now 1293 01:04:19.159 --> 01:04:21.480 that is pretty amazing. But I don't know exactly what 1294 01:04:21.559 --> 01:04:23.920 your problem is, but you're next up. And then three 1295 01:04:24.000 --> 01:04:27.320 oh three Martino, three oh three seven, one three eight 1296 01:04:27.320 --> 01:04:30.599 two five five. Now, Joe, the seminar you have coming up. 1297 01:04:30.920 --> 01:04:33.119 And by the way, I don't even know if we 1298 01:04:33.239 --> 01:04:36.239 talked about to fifteen percent bonus. So when that guy 1299 01:04:36.320 --> 01:04:38.199 called up, this is something. 1300 01:04:37.920 --> 01:04:38.800 That's crazy too. 1301 01:04:39.159 --> 01:04:41.519 On one of the products you sell, if you have 1302 01:04:41.559 --> 01:04:45.159 one hundred thousand right now on day one, it's worth 1303 01:04:45.360 --> 01:04:49.199 and grows as if it was one hundred and fifteen thousand, right, 1304 01:04:49.320 --> 01:04:51.800 and if it's a million, it's one million, one hundred 1305 01:04:51.840 --> 01:04:55.800 and fifty. So that money, that money you start gaining 1306 01:04:55.840 --> 01:04:59.400 on if the stock market's doing good, you literally grow 1307 01:04:59.480 --> 01:05:00.360 that all the time. 1308 01:05:00.639 --> 01:05:02.880 It never goes down as well, that's right. 1309 01:05:03.000 --> 01:05:05.800 You know, it's almost like getting a fifteen percent rhed 1310 01:05:05.840 --> 01:05:07.280 or return year one. 1311 01:05:07.400 --> 01:05:10.639 Yeah, think about that. Well, it's crazy. So that's yours, 1312 01:05:10.679 --> 01:05:14.320 your account value. But you can't actually take that out 1313 01:05:14.400 --> 01:05:17.639 even though it grows for what five years, ten years right, 1314 01:05:17.679 --> 01:05:20.079 then is vested over ten years. 1315 01:05:19.840 --> 01:05:20.840 And it's yours yours. 1316 01:05:22.000 --> 01:05:25.480 It's yours in the sense that it's growing along with 1317 01:05:25.559 --> 01:05:28.280 all Europe. You get all the benefit of that money. 1318 01:05:28.639 --> 01:05:31.760 You simply got to be that particular product ten years. 1319 01:05:31.920 --> 01:05:34.920 And here's the difference. There's there's other people out there 1320 01:05:34.960 --> 01:05:38.559 you might see on TV that have annuities that say, oh, 1321 01:05:38.559 --> 01:05:40.760 we got a thirty year bonus. Well, the problem is 1322 01:05:41.320 --> 01:05:43.840 they are a thirty percent bonus, right. The problem is 1323 01:05:43.960 --> 01:05:46.599 it doesn't start growing from day one, and you might 1324 01:05:46.639 --> 01:05:49.679 not have anything for twenty years. Then at twenty years. 1325 01:05:49.960 --> 01:05:52.599 You do have the value of that thirty thousand, but 1326 01:05:52.679 --> 01:05:55.719 that's all you have is that thirty thousand. It didn't 1327 01:05:55.760 --> 01:05:57.960 grow for the last twenty years. That's where all the 1328 01:05:58.039 --> 01:06:00.400 damn money is. That's right. So that's the big difference. 1329 01:06:00.599 --> 01:06:03.760 When is this What is the seminar called? And where 1330 01:06:03.760 --> 01:06:07.159 do people sign up? It's not a seminar, it's a webinar. Webinar, okay, 1331 01:06:07.159 --> 01:06:09.599 they can just so they can ask questions, that's right. 1332 01:06:09.559 --> 01:06:09.719 You know. 1333 01:06:09.760 --> 01:06:12.519 And they can just give us a call to registr 1334 01:06:12.360 --> 01:06:15.239 he okay a three h three seven seven nine six 1335 01:06:15.400 --> 01:06:16.559 six zero zero. 1336 01:06:17.000 --> 01:06:20.079 Or they can go through my Money, my Way dot com. 1337 01:06:20.119 --> 01:06:22.760 That's easiest, my money, my Way back because it's a 1338 01:06:22.800 --> 01:06:26.519 forty minute, you know, educational seminary, but it's going to 1339 01:06:26.559 --> 01:06:29.079 have a full q at oh my gosh. Absolutely, you'll 1340 01:06:29.079 --> 01:06:31.000 be able to run actual numbers for people. 1341 01:06:31.679 --> 01:06:33.960 Yes, and also you know we're going to be talking 1342 01:06:33.960 --> 01:06:36.880 about social security, We're going to be talking about about annuities, 1343 01:06:37.199 --> 01:06:41.559 about how to retire happy and not worry. That's the 1344 01:06:41.599 --> 01:06:42.159 whole idea. 1345 01:06:42.280 --> 01:06:45.639 People know, it's an education no matter what. If you've 1346 01:06:45.679 --> 01:06:49.599 ever been curious about annuities, that's it. There's no obligation. 1347 01:06:49.719 --> 01:06:51.599 It's a webinar. You don't even have to talk. You 1348 01:06:51.639 --> 01:06:54.719 can just watch. I mean, there's a million ways to 1349 01:06:54.760 --> 01:06:58.360 participate or just watch for the education. But these guys 1350 01:06:58.440 --> 01:07:01.639 my money, my way dot Com. Great guys, three oh three, 1351 01:07:01.719 --> 01:07:05.480 seven seventy nine sixty six hundred coming back. We're gonna 1352 01:07:05.519 --> 01:07:08.920 be talking possible scam on an express lane and I've 1353 01:07:08.920 --> 01:07:12.079 got two lines open. Three oh three Martino, I want 1354 01:07:12.079 --> 01:07:13.840 to hear from you. Everybody hold tight. 1355 01:07:28.320 --> 01:07:33.880 Ripped news, need advice when you don't have the. 1356 01:07:36.320 --> 01:07:42.199 Runs as we can, Shooter's gonna help coming man. 1357 01:07:43.039 --> 01:07:45.199 This is the Troubleshooter Show. 1358 01:07:45.840 --> 01:07:48.880 No tell Martino, Welcome, Welcome. 1359 01:07:48.519 --> 01:07:50.840 My friends to the only show of It's Guy. We're 1360 01:07:50.840 --> 01:07:55.000 here to solve problems, answer questions. We're here to take complaints. 1361 01:07:55.079 --> 01:07:58.679 Infect to the tune of over three hundred million dollars 1362 01:07:58.719 --> 01:08:03.920 we've recovered from this show over almost a fifty year stretch. 1363 01:08:04.079 --> 01:08:07.679 Just in Denver. Tommy Boyce started it, and uh, it's 1364 01:08:07.719 --> 01:08:10.360 it's incredible. There's no other show like this anywhere that 1365 01:08:10.440 --> 01:08:13.719 I know of, where you can call up, when you 1366 01:08:13.760 --> 01:08:16.319 can call up about a bad contractor you can call 1367 01:08:16.399 --> 01:08:20.079 up about a bad mechanic of bad landlord and actually 1368 01:08:20.159 --> 01:08:22.520 get real help for free. There's a lot of things 1369 01:08:22.560 --> 01:08:24.479 out there. What are you going to call an attorney 1370 01:08:24.479 --> 01:08:27.159 over one thousand bucks when they want a three thousand 1371 01:08:27.239 --> 01:08:31.079 dollar retainer? Think about it. We get directly involved. We've 1372 01:08:31.119 --> 01:08:35.319 recouped so much money, We've exposed so many bad guys 1373 01:08:35.840 --> 01:08:40.680 it's crazy. In fact, check out Sleeze Brigade dot com 1374 01:08:40.720 --> 01:08:41.439 one of these days. 1375 01:08:41.439 --> 01:08:42.680 They're the worst of the worst. 1376 01:08:43.119 --> 01:08:46.039 We're not talking little mistakes or people that do a 1377 01:08:46.079 --> 01:08:51.079 bad job. We're talking crooks. We're talking bad people, federal 1378 01:08:51.159 --> 01:08:55.000 prison kind of people. But that's what we do. I 1379 01:08:55.079 --> 01:08:57.880 got three lines open three O three seven one three 1380 01:08:57.920 --> 01:09:02.000 eight two five five three zero three Martino. By the way, 1381 01:09:02.039 --> 01:09:05.800 this hour is brought to you by one Clear Choice 1382 01:09:05.920 --> 01:09:09.199 Doors dot Com. You know, Chappie's the owner. He's a 1383 01:09:09.239 --> 01:09:13.640 marine and he runs the show very well. If he 1384 01:09:13.680 --> 01:09:15.640 says they're gonna be on time, they're gonna be there. 1385 01:09:15.640 --> 01:09:18.880 They've got stores up and down the front range where 1386 01:09:18.920 --> 01:09:21.640 you can go check out all the different doors they 1387 01:09:22.319 --> 01:09:25.079 can sell you, all the different brands they're pricing is great. 1388 01:09:25.439 --> 01:09:27.119 They can do a tune up on your door. If 1389 01:09:27.159 --> 01:09:29.199 you haven't had that done. They can go install a 1390 01:09:29.239 --> 01:09:32.359 new opener. I've gotten a couple openers from them over 1391 01:09:32.399 --> 01:09:36.600 the years at different houses, and they're very aggressive unpricing. 1392 01:09:36.600 --> 01:09:40.399 They have great pricing. One clear Choice Doors dot Com. 1393 01:09:40.479 --> 01:09:43.119 I know there's one in Castle Rock, the Springs. I'm 1394 01:09:43.119 --> 01:09:45.760 pretty sure there's one even all the way in Fort Collins, 1395 01:09:45.760 --> 01:09:48.960 but up and down the front range one clear Choice 1396 01:09:49.279 --> 01:09:55.000 Doors dot Com. Now Larry says he's got an issue. Larry, 1397 01:09:55.039 --> 01:09:57.640 what is going on? I'm dying to know what's going 1398 01:09:57.680 --> 01:10:00.920 on with all I see on the sc read is 1399 01:10:01.039 --> 01:10:06.920 possible scam express lanes. What happened, Well, it's not a possible. 1400 01:10:07.079 --> 01:10:08.039 It is a scam. 1401 01:10:08.119 --> 01:10:12.039 The Motor Vehicles Department is aware of this. It's kind 1402 01:10:12.039 --> 01:10:14.720 of rampant right now. And now I don't know if 1403 01:10:14.760 --> 01:10:18.079 it's just Colorado or other states, but this is what happens. 1404 01:10:18.439 --> 01:10:19.279 So pox me. 1405 01:10:19.399 --> 01:10:22.960 A year ago, I crossed over the double white line 1406 01:10:23.039 --> 01:10:25.439 trying to get to the PEPSI Center coming from the 1407 01:10:25.479 --> 01:10:28.359 Greedy YEP. I got a ticket. I didn't pay it. 1408 01:10:28.439 --> 01:10:29.640 I didn't think it was. 1409 01:10:32.680 --> 01:10:34.720 Processible, if that's the word. 1410 01:10:34.840 --> 01:10:38.439 I don't think this guy sounds like me that I 1411 01:10:38.560 --> 01:10:40.079 get what you're saying, that's a word. 1412 01:10:40.119 --> 01:10:41.840 If you ask me, it's processible. 1413 01:10:41.920 --> 01:10:42.600 Yeah. 1414 01:10:42.800 --> 01:10:48.279 So I didn't think they could hold you liable for these. 1415 01:10:48.960 --> 01:10:49.119 Yeah. 1416 01:10:49.399 --> 01:10:51.560 It's kind of like a traffic cam, you know sort 1417 01:10:51.560 --> 01:10:51.840 of thing. 1418 01:10:52.119 --> 01:10:56.039 Yeah, and so let me explain how to hold on, Larry, 1419 01:10:56.079 --> 01:10:57.960 you said a mouthful there. I want people to kind 1420 01:10:57.960 --> 01:11:00.439 of understand how it works. So when we talk about 1421 01:11:00.479 --> 01:11:04.399 a municipality like Greenwood Village, and I use that just 1422 01:11:04.479 --> 01:11:07.960 because I used to get tickets from them for basically 1423 01:11:08.079 --> 01:11:10.560 running a red light like weekly. I mean, I had 1424 01:11:10.600 --> 01:11:13.439 so many of them. I used to have, you know, 1425 01:11:13.760 --> 01:11:17.720 trash basketball games using their tickets. Well, those tickets are 1426 01:11:17.760 --> 01:11:20.199 nothing more than hey, please pay this. 1427 01:11:20.560 --> 01:11:21.960 If they didn't serve you. 1428 01:11:22.079 --> 01:11:24.439 Back in the day, you didn't have to go to 1429 01:11:24.479 --> 01:11:27.239 cort you didn't have to do anything. You could literally 1430 01:11:27.279 --> 01:11:29.760 throw them away and there wasn't a damn thing that 1431 01:11:29.840 --> 01:11:33.119 could be done. Now, you thought the double lines were 1432 01:11:33.199 --> 01:11:36.760 like that, Double lines are a lot different. Double lines 1433 01:11:36.840 --> 01:11:40.880 are a traffic infraction when you cross that double line. 1434 01:11:41.279 --> 01:11:43.880 The infraction they give you in the state of Colorado 1435 01:11:43.960 --> 01:11:47.880 was absurd. The infraction they give you is for not 1436 01:11:48.319 --> 01:11:52.239 paying a toll. It's for toll evasion. The problem with 1437 01:11:52.319 --> 01:11:56.199 that is a lot of people exit, so they did 1438 01:11:56.279 --> 01:11:59.560 pay the toll, and then they exit because they have 1439 01:11:59.600 --> 01:12:03.039 to get wherever they're going. And I don't know, maybe 1440 01:12:03.039 --> 01:12:06.000 they should have saw something before or after. I don't know. 1441 01:12:06.359 --> 01:12:08.479 But when you're in a rush and there's traffic and 1442 01:12:08.560 --> 01:12:11.680 you want to get somewhere, you get in the express lane, 1443 01:12:11.760 --> 01:12:14.399 you pay all the tolls, then you exit over the 1444 01:12:14.439 --> 01:12:17.119 double line, and then they hate you with a seventy 1445 01:12:17.279 --> 01:12:21.119 five dollars fine. You have to pay within thirty days 1446 01:12:21.439 --> 01:12:24.039 or it turns into one hundred and fifty. But the 1447 01:12:24.159 --> 01:12:27.439 problem is what the infraction is. And I don't have 1448 01:12:27.520 --> 01:12:30.640 the CRC in front of me, but the infraction is 1449 01:12:30.760 --> 01:12:34.119 failure to pay your toll or it's something to do 1450 01:12:34.199 --> 01:12:36.279 with not paying the toll. I forget the exact name 1451 01:12:36.279 --> 01:12:38.520 of it. I think it is Toll Division. But the 1452 01:12:38.560 --> 01:12:41.520 bottom line is this, if you ended up paying the 1453 01:12:41.560 --> 01:12:44.399 toll to me, it is a total scam. And we 1454 01:12:44.520 --> 01:12:47.399 know an attorney that fought it all the way through 1455 01:12:47.439 --> 01:12:50.840 Douglas County and ended up winning in front of a 1456 01:12:50.960 --> 01:12:54.359 judge that that should not be it because he proved 1457 01:12:54.640 --> 01:12:57.479 he did pay the toll. When you get into that lane, 1458 01:12:57.520 --> 01:13:01.279 it automatically bills you by a light lins plate, or 1459 01:13:01.319 --> 01:13:03.800 it bills you by what are they called, not a receiver, 1460 01:13:03.960 --> 01:13:07.680 a fob, whatever you put in your window. It either 1461 01:13:07.800 --> 01:13:09.680 bills you by that or it builds you by the 1462 01:13:09.720 --> 01:13:12.560 license plate. And he proved to the judge he paid it. 1463 01:13:12.760 --> 01:13:16.159 So we said, how the hell was I avoiding a toll? 1464 01:13:16.479 --> 01:13:19.760 I paid the toll. So they're using the wrong infraction 1465 01:13:19.920 --> 01:13:22.640 for the double lines. So what happened in your case? 1466 01:13:23.640 --> 01:13:25.079 Well, so we never paid it. 1467 01:13:26.119 --> 01:13:28.840 We got now it's eight million dollars. 1468 01:13:29.039 --> 01:13:33.479 Well not quite seven point five, but no counting at 1469 01:13:33.479 --> 01:13:34.119 that level. 1470 01:13:35.000 --> 01:13:36.000 So we never paid it. 1471 01:13:36.039 --> 01:13:40.520 We got some snail mail things saying it's it's going up, 1472 01:13:40.560 --> 01:13:41.159 it's going up. 1473 01:13:41.279 --> 01:13:42.800 So that was a year ago. 1474 01:13:43.359 --> 01:13:45.600 So my wife was going to Sam. 1475 01:13:45.279 --> 01:13:48.119 You're hard headed. How many years ago did you get this? 1476 01:13:49.199 --> 01:13:50.479 Oh, it was just a year ago. 1477 01:13:50.680 --> 01:13:51.640 Okay, it was. 1478 01:13:51.680 --> 01:13:54.039 I was. I was headed down to the draft party 1479 01:13:54.079 --> 01:13:57.720 at the at the uh Empire Field and I was 1480 01:13:57.800 --> 01:14:00.800 running late and he off over so whatever. 1481 01:14:01.159 --> 01:14:03.600 Anyway, So all this time goes by. 1482 01:14:04.239 --> 01:14:07.960 My wife's going out to make an appointment motor vehicles 1483 01:14:08.000 --> 01:14:11.560 the other day to get some new handicapped stick plackards 1484 01:14:11.600 --> 01:14:12.319 for the car. 1485 01:14:12.359 --> 01:14:13.399 And you can't get them. 1486 01:14:14.399 --> 01:14:18.079 Well, she got them eventually without any problem, without even 1487 01:14:18.159 --> 01:14:21.079 scheduling an appointment. She just walked in, Oh, yeah, we 1488 01:14:21.119 --> 01:14:23.600 don't need an appointment for that, you know, he can 1489 01:14:23.640 --> 01:14:26.039 just do it, and took her five minutes, you know, 1490 01:14:26.119 --> 01:14:29.840 two days later. But when she applied for that appointment, 1491 01:14:30.279 --> 01:14:31.720 she had to give him a phone number. 1492 01:14:32.479 --> 01:14:33.720 She gets a text. 1493 01:14:33.479 --> 01:14:42.239 Message from some and it was let me no, it 1494 01:14:42.279 --> 01:14:46.279 wasn't a collection. I don't know what it was. Let 1495 01:14:46.279 --> 01:14:50.039 me see she sent this to me. She gets this 1496 01:14:50.239 --> 01:14:57.760 text message all about suspending your vehicle registration, sprending your privileges, 1497 01:14:57.800 --> 01:15:02.680 transfer to a tollbooth, and charge the third service maybe 1498 01:15:02.760 --> 01:15:07.760 trusted prosecuted and your credit score may be affected. Uh, 1499 01:15:08.039 --> 01:15:09.159 please pay immediately. 1500 01:15:09.239 --> 01:15:10.159 Blah blah blah. 1501 01:15:10.279 --> 01:15:11.640 Just not about Ray. 1502 01:15:11.720 --> 01:15:13.840 She calls me on the carpet because I was the one. 1503 01:15:13.920 --> 01:15:14.920 I was a guilty party. 1504 01:15:15.760 --> 01:15:17.199 I'm driving the vehicle. 1505 01:15:17.119 --> 01:15:21.439 So her name's on the license plate first, that's why. Anyway, 1506 01:15:21.760 --> 01:15:25.399 I get this. She gets this text message, and I says, 1507 01:15:25.680 --> 01:15:28.640 what just a second before you or I pay this, 1508 01:15:29.760 --> 01:15:32.319 let me see what this numbers about. This number is 1509 01:15:32.319 --> 01:15:37.119 a Ford zero six three eight seven eight eight zero five. 1510 01:15:38.920 --> 01:15:45.880 That number comes from, uh where it is? 1511 01:15:46.159 --> 01:15:49.439 Well, let me let me just say tor. 1512 01:15:49.760 --> 01:15:52.840 Hiary Horse, Montana. That's where that number originated from. 1513 01:15:52.920 --> 01:15:54.600 Yeah, well, let me let me say a couple of 1514 01:15:54.680 --> 01:15:59.800 things here. One in Colorado, specifically on E four seventy 1515 01:16:00.119 --> 01:16:03.000 and Sea Dot Express lanes. Like what you're talking about, 1516 01:16:03.479 --> 01:16:09.439 unpaid tolls, fees and civil penalties can definitely one hundred 1517 01:16:09.439 --> 01:16:14.600 percent lead to a hold being put on your vehicle registration. Now, 1518 01:16:14.640 --> 01:16:18.079 whether or not someone's trying to fish and scam because 1519 01:16:18.119 --> 01:16:20.199 they know the law but they want to get paid 1520 01:16:20.239 --> 01:16:23.279 instead of Sea Dot, I don't know. I don't know 1521 01:16:23.319 --> 01:16:26.680 who's at that number, but I can tell you that 1522 01:16:26.920 --> 01:16:30.840 can affect your ability to renew your registration. 1523 01:16:32.239 --> 01:16:36.439 Well, I think I traded out that vehicle that I 1524 01:16:36.479 --> 01:16:37.680 was driving at that time. 1525 01:16:38.000 --> 01:16:39.600 Yeah, and I got. 1526 01:16:39.479 --> 01:16:42.199 A different vehicle I hadn't well, and I haven't registered 1527 01:16:42.239 --> 01:16:45.880 it yet. I just got Tipperary tag. But I got 1528 01:16:45.920 --> 01:16:49.159 a similar test message and I swear it's from a 1529 01:16:49.199 --> 01:16:50.000 foreign country. 1530 01:16:50.479 --> 01:16:53.680 Yeah, they probably are. It's a big there's a lot 1531 01:16:53.680 --> 01:16:56.680 of scams out there. In fact, Doc, you were telling 1532 01:16:56.720 --> 01:16:59.640 me over the break, you were reading one that you 1533 01:16:59.720 --> 01:17:03.039 say is now nationwide. Absolutely, people are getting in a 1534 01:17:03.119 --> 01:17:03.840 text form. 1535 01:17:04.199 --> 01:17:08.319 They're getting a text that says the driver's license reports 1536 01:17:08.319 --> 01:17:10.880 it as an unpaid parking ticket, and if they don't 1537 01:17:10.920 --> 01:17:13.399 pay this certain place that they're going to do a 1538 01:17:13.399 --> 01:17:16.560 whole bunch of things like suspend their license, et cetera, 1539 01:17:16.600 --> 01:17:19.800 et cetera. And if you notice where it comes from, 1540 01:17:20.039 --> 01:17:23.479 the phone number on the top is a plus sixty 1541 01:17:23.560 --> 01:17:26.319 three blah blah blah. So if you see a plus 1542 01:17:26.359 --> 01:17:28.800 sixty three, you know what's the matter of the country. 1543 01:17:28.920 --> 01:17:31.119 And there's probably lots of them that are scams. Not 1544 01:17:31.239 --> 01:17:32.199 just that one though. 1545 01:17:32.119 --> 01:17:34.720 No, but that one is now going nationwide. 1546 01:17:35.159 --> 01:17:37.680 Does that one? Does yours say that plus sixty three 1547 01:17:37.760 --> 01:17:37.920 or no? 1548 01:17:39.359 --> 01:17:39.560 Well? 1549 01:17:39.600 --> 01:17:41.319 The what my wife did not? 1550 01:17:41.640 --> 01:17:44.079 It came from PURL six, like I say, which is 1551 01:17:44.600 --> 01:17:47.239 bum What do you want to call it? 1552 01:17:47.319 --> 01:17:47.760 Egypt? 1553 01:17:48.399 --> 01:17:51.560 Yeah, Montana, But I didn't. 1554 01:17:51.319 --> 01:17:54.920 Get the same thing the FM your other gentleman was 1555 01:17:55.079 --> 01:17:59.439 us talking about it comes plus sixty three nine nine nine. 1556 01:17:59.479 --> 01:17:59.760 That one. 1557 01:18:00.079 --> 01:18:03.720 Definitely that one right now for anybody listening. If you 1558 01:18:03.800 --> 01:18:07.720 get a plus sixty three followed by whatever numbers, that 1559 01:18:07.920 --> 01:18:10.920 is one hundred percent a nationwide scam. 1560 01:18:10.960 --> 01:18:13.359 Going, or if you get a scam about an outstanding 1561 01:18:14.119 --> 01:18:17.560 parking violation or ticket is a scam. 1562 01:18:17.640 --> 01:18:19.720 Yeah, you got to really just go figure it out 1563 01:18:19.760 --> 01:18:21.920 yourself if it's real or not. But I want to 1564 01:18:22.279 --> 01:18:26.079 re emphasize, and I'm reading this right from Sea Dot 1565 01:18:26.159 --> 01:18:31.960 basically in Colorado, specifically E four seventy and Sea Dot 1566 01:18:32.039 --> 01:18:37.880 Express Lanes, unpaid tolls, fees and civil penalties can lead 1567 01:18:37.960 --> 01:18:42.960 to a hold being placed on your vehicle registration, preventing renewals. 1568 01:18:42.960 --> 01:18:45.199 So I just want everybody to know that is a 1569 01:18:45.239 --> 01:18:48.359 real thing, but it doesn't sound like it's coming from them. 1570 01:18:48.800 --> 01:18:51.880 In this case, it's kind of ironic that after she 1571 01:18:52.039 --> 01:18:54.800 went down there to get her handicapped placard or whatever 1572 01:18:54.840 --> 01:18:57.479 she was getting and gave a phone number that you 1573 01:18:57.560 --> 01:19:00.319 started getting it. That's kind of crazy. 1574 01:19:00.800 --> 01:19:06.079 Well, she she was actually got it. So she called 1575 01:19:06.119 --> 01:19:11.199 on Monday to say about getting these new handicapped pacards, 1576 01:19:12.199 --> 01:19:13.800 and then on. 1577 01:19:16.319 --> 01:19:17.720 I think, how much do you owe? 1578 01:19:17.760 --> 01:19:17.920 Now? 1579 01:19:18.000 --> 01:19:19.720 Out of curiosity, what's the total? 1580 01:19:19.840 --> 01:19:20.000 Oh? 1581 01:19:20.079 --> 01:19:20.479 I don't know. 1582 01:19:21.000 --> 01:19:23.119 They were wanting to clock like two hundred and fifty 1583 01:19:23.239 --> 01:19:25.279 three hundred dollars. 1584 01:19:25.439 --> 01:19:27.640 You know what's weird because she sold the vehicle. 1585 01:19:28.199 --> 01:19:28.800 I wonder. 1586 01:19:29.199 --> 01:19:31.920 I wonder how that works. I mean, if it was 1587 01:19:32.039 --> 01:19:35.000 registered under your wife's name, that might haunt her. 1588 01:19:35.359 --> 01:19:37.079 But you know, ask what it is. 1589 01:19:37.119 --> 01:19:41.000 I guess, yeah, it's registered under both of our names, 1590 01:19:41.000 --> 01:19:44.760 though her name is. We've always placed the opposite person, 1591 01:19:44.920 --> 01:19:52.199 that is, mainly the driver of that vehicle. They've always placed. 1592 01:19:51.279 --> 01:19:53.199 The opposite fous first. 1593 01:19:53.439 --> 01:19:56.880 Why and well that helped us back in the old 1594 01:19:56.960 --> 01:20:00.960 days when we get those photo radars things and you 1595 01:20:00.960 --> 01:20:01.840 could disappear it. 1596 01:20:02.640 --> 01:20:05.840 You are a staff law, my friend. You are the 1597 01:20:06.039 --> 01:20:08.640 definition of a scoff law. Hold on, I got to 1598 01:20:08.680 --> 01:20:11.000 take this break. If you want to pick it up 1599 01:20:11.039 --> 01:20:14.039 after that, we can uh three oh three seven one 1600 01:20:14.079 --> 01:20:17.159 three A two five five. Lisa's got a problem with 1601 01:20:17.359 --> 01:20:20.520 flooding a condo. That sucks. We've handled a lot of 1602 01:20:20.520 --> 01:20:22.920 those over the years. Everybody, hold tight, We'll be right back. 1603 01:20:27.880 --> 01:20:30.399 Three zero three, Martino, we got a couple lines open 1604 01:20:30.640 --> 01:20:33.000 you've been ripped off or taking advantage of. We also 1605 01:20:33.079 --> 01:20:35.880 have Jordan Keano with us. I got two deputies here, 1606 01:20:35.920 --> 01:20:40.399 Deputy Doc and Deputy BO sitting here. Uh, basically ready 1607 01:20:40.640 --> 01:20:43.399 to help you go after the bad guy. 1608 01:20:43.439 --> 01:20:44.359 If you've been ripped off. 1609 01:20:44.479 --> 01:20:49.399 Three oh three seven, one, three, eight, two five five. Now, Lisa, 1610 01:20:50.439 --> 01:20:54.920 this sounds really bad. I hate flooding, and then when 1611 01:20:54.960 --> 01:20:57.279 you throw the word condo in there, it can get 1612 01:20:57.319 --> 01:21:00.000 really bad. Was it the people above you? 1613 01:21:02.359 --> 01:21:02.560 Yeah? 1614 01:21:02.560 --> 01:21:06.479 It actually was two condos above me, two different floods. 1615 01:21:06.560 --> 01:21:09.960 Oh, let's talk about the first one. When did it 1616 01:21:10.039 --> 01:21:16.039 happen and was it directly above you or above them? 1617 01:21:16.159 --> 01:21:17.520 So I'm on the first floor. 1618 01:21:17.680 --> 01:21:21.600 Both of these condos are above me. It happened last September. 1619 01:21:21.800 --> 01:21:25.039 I've been fighting it since then. I did get a 1620 01:21:25.119 --> 01:21:30.560 payout from my insurance company, which was a nightmare. Liberty 1621 01:21:30.600 --> 01:21:33.720 Insurance was the worst in the world. Finally got paid 1622 01:21:33.720 --> 01:21:34.359 out from them. 1623 01:21:34.520 --> 01:21:38.199 How much I'm so olde seven forty. 1624 01:21:39.439 --> 01:21:39.840 Thousand. 1625 01:21:40.720 --> 01:21:42.960 Hold on a second here, you said ye had two floods, 1626 01:21:42.960 --> 01:21:45.520 so you had two different claims with your own insurance. 1627 01:21:47.560 --> 01:21:49.600 I did it with. 1628 01:21:49.720 --> 01:21:53.880 Their insurance, State Farm, because they both had State Farm, 1629 01:21:54.600 --> 01:21:57.000 and I'm uneducated in how. 1630 01:21:56.840 --> 01:21:57.439 To do this. 1631 01:21:57.920 --> 01:21:59.399 I would do it differently next time. 1632 01:21:59.479 --> 01:22:03.039 However, State Farm is refusing. 1633 01:22:02.520 --> 01:22:05.560 To pay the last seven thousand dollars of the total 1634 01:22:06.079 --> 01:22:07.840 forty seven thousand dollars claim. 1635 01:22:08.000 --> 01:22:10.760 Why are they reach fix? Why are they refusing to 1636 01:22:10.800 --> 01:22:11.079 pay it. 1637 01:22:11.159 --> 01:22:11.720 What is there? 1638 01:22:12.600 --> 01:22:13.760 What is their reasoning? 1639 01:22:15.880 --> 01:22:17.880 There is no reason, they're just not paying it. 1640 01:22:18.880 --> 01:22:21.800 Okay, hold On, I gotta understand. At least I got 1641 01:22:21.840 --> 01:22:24.880 to understand a few things. So in September, the first 1642 01:22:24.920 --> 01:22:29.680 flood happened, was that the person directly above you or 1643 01:22:29.720 --> 01:22:35.800 above them. 1644 01:22:33.239 --> 01:22:36.840 They're both directly above me on the second floor. Okay, 1645 01:22:37.159 --> 01:22:39.199 kind of cross over my condo. 1646 01:22:39.439 --> 01:22:42.600 Perfect. So let's say was that was that condo A 1647 01:22:42.840 --> 01:22:43.680 or condo. 1648 01:22:43.439 --> 01:22:49.800 B Kndo A had the big flood, Kando B had 1649 01:22:49.840 --> 01:22:53.239 a smaller Okay, let's talk about let's let's let's talk 1650 01:22:53.279 --> 01:22:55.119 about the forty thousand dollars. 1651 01:22:55.560 --> 01:22:56.560 What is that. 1652 01:22:56.479 --> 01:22:59.399 From the one? Is that from the claim in September? 1653 01:22:59.720 --> 01:23:03.199 Because I assume these are two different claims. 1654 01:23:04.439 --> 01:23:07.920 There are two different claims, So that my insurance company, 1655 01:23:08.079 --> 01:23:12.600 Liberty Mutual could pay forty thousand, I was only covered 1656 01:23:13.319 --> 01:23:14.119 and got. 1657 01:23:14.000 --> 01:23:18.039 Very bad advice to only covered twenty thousand. Carry twenty 1658 01:23:18.079 --> 01:23:19.760 thousand dollars of a claim. 1659 01:23:20.640 --> 01:23:24.079 Okay, so you got twenty thousand from your hold on, 1660 01:23:24.159 --> 01:23:28.399 You got twenty thousand from your own insurance company for both. 1661 01:23:28.079 --> 01:23:33.680 Of them forty because they did two claims. 1662 01:23:33.239 --> 01:23:36.319 Twenty thousand each. So you got a total of forty thousand. 1663 01:23:36.359 --> 01:23:41.119 That's where the forty came from. Yes, and you're still 1664 01:23:41.159 --> 01:23:46.000 seven grand out of pocket because their insurance company, State Farm, 1665 01:23:46.119 --> 01:23:51.319 both of them refuses to pay anything. There you go, 1666 01:23:51.520 --> 01:23:54.199 And how much did you pay just on the deductibles 1667 01:23:54.199 --> 01:23:58.479 for each of your twenty thousand dollars claims? 1668 01:23:59.279 --> 01:23:59.840 Five hundred? 1669 01:24:00.560 --> 01:24:03.840 Okay? So really they owe you seven thousand plus one thousand? 1670 01:24:04.000 --> 01:24:06.479 Is that correct? Or did you already factor that in? 1671 01:24:09.520 --> 01:24:13.479 State Farm paid me five hundred okay. 1672 01:24:13.319 --> 01:24:16.079 For one claim because. 1673 01:24:15.680 --> 01:24:21.920 They put it under one claim. 1674 01:24:19.920 --> 01:24:25.119 For both units. Insurance for both units. Yep, yeah, your 1675 01:24:25.159 --> 01:24:28.520 insurance would put it under two. I don't know why 1676 01:24:28.560 --> 01:24:31.159 State Farm would only put it under one. But hold 1677 01:24:31.199 --> 01:24:36.000 on a second, hey, Kelly, two things, Brian Burns and 1678 01:24:36.039 --> 01:24:38.880 then if we can get Stanford on as well. I 1679 01:24:38.920 --> 01:24:41.520 want to try to help Lisa collect his seven grand, 1680 01:24:41.760 --> 01:24:43.800 and I've got a great idea how to do it. 1681 01:24:43.880 --> 01:24:46.680 And then John's got an issue, So everybody hold on, 1682 01:24:46.720 --> 01:24:47.680 We're going to get an expert on. 1683 01:24:47.800 --> 01:24:48.479 We'll be right back. 1684 01:24:52.560 --> 01:24:55.920 I've a lot happening here. I got a couple experts 1685 01:24:56.000 --> 01:24:58.840 up real quick though. This hour brought to you, and 1686 01:24:58.920 --> 01:25:01.560 I mentioned it I had a text on it free 1687 01:25:01.600 --> 01:25:06.199 second opinion fixmihome dot com. I promise you you will 1688 01:25:06.239 --> 01:25:10.439 see difference in prices now on HVAC and plumbing like 1689 01:25:10.479 --> 01:25:13.800 a water heater like you've never seen before. Some company 1690 01:25:13.880 --> 01:25:16.720 might quote you on a carrier, for example, a new 1691 01:25:16.760 --> 01:25:21.000 ACN furnace for twenty thousand dollars, and you might find 1692 01:25:21.039 --> 01:25:25.399 another company literally that's twelve thousand. The pricing is crazy. 1693 01:25:25.720 --> 01:25:29.560 The free second opinion by fixmihome dot com is worth 1694 01:25:29.840 --> 01:25:33.359 every bit of it. You're not high pressure. And the 1695 01:25:33.439 --> 01:25:36.359 important part too, and I want to emphasize this, They're 1696 01:25:36.359 --> 01:25:38.520 going to actually make sure you need a new one. 1697 01:25:38.600 --> 01:25:40.800 They might be able to repair it. That's why it's 1698 01:25:40.800 --> 01:25:44.760 fixedmiome dot com. But anyhow, I digress. Now, I got 1699 01:25:44.760 --> 01:25:46.560 a couple experts out. I'm going to go to Brian 1700 01:25:46.560 --> 01:25:49.720 Burns first and Matt hold tight, Hey Brian, how are 1701 01:25:49.760 --> 01:25:50.119 you doing? 1702 01:25:50.159 --> 01:25:51.079 Man good? 1703 01:25:51.479 --> 01:25:51.640 Mark? 1704 01:25:51.960 --> 01:25:55.840 I am doing very good, sir. Quote Compass dot Com, 1705 01:25:55.840 --> 01:25:59.800 by the way, is Brian's website. These guys do insurance first, 1706 01:26:00.119 --> 01:26:03.680 Zan and myself and Tom pretty much in doc pretty 1707 01:26:03.760 --> 01:26:06.359 much everybody we know. And the reason we all love 1708 01:26:06.399 --> 01:26:10.079 Compass is this. They shop us with all the companies 1709 01:26:10.119 --> 01:26:13.000 they deal with. They're not beholding to one company. It's 1710 01:26:13.000 --> 01:26:15.439 not like State farm who by the way, we're gonna 1711 01:26:15.479 --> 01:26:16.520 be talking about, Brian. 1712 01:26:16.880 --> 01:26:18.840 But these guys are absolutely great. 1713 01:26:18.880 --> 01:26:21.720 If you haven't got a quote from somebody in a while, 1714 01:26:21.760 --> 01:26:24.840 they're gonna find the best coverage. They're also gonna make 1715 01:26:24.880 --> 01:26:27.359 sure that you have the proper coverage. 1716 01:26:27.399 --> 01:26:28.520 Like the Boulder. 1717 01:26:28.319 --> 01:26:33.600 Fire, ninety seven ninety eight percent of people we're under insured. 1718 01:26:33.800 --> 01:26:35.960 There's people out there that don't have a house but 1719 01:26:36.079 --> 01:26:39.479 still have a mortgage, as crazy as that sounds. So 1720 01:26:39.560 --> 01:26:42.560 you want to make sure where property values have gone up, 1721 01:26:42.800 --> 01:26:45.399 what that rebuild cost is, and they might be able 1722 01:26:45.439 --> 01:26:49.000 to get you more coverage for less money. Quote Compass 1723 01:26:49.039 --> 01:26:51.680 dot Com Now, Brian, the reasoning. 1724 01:26:51.119 --> 01:26:55.520 About them, what they do that is priceless. They always 1725 01:26:55.600 --> 01:26:59.279 every year they call me and check my insurance to 1726 01:26:59.359 --> 01:27:01.079 see if they can get a better value. 1727 01:27:01.159 --> 01:27:02.079 I love without my. 1728 01:27:02.079 --> 01:27:02.720 Asking for it. 1729 01:27:02.800 --> 01:27:05.720 Not just not just for homeowners, but for auto Yeah, 1730 01:27:05.720 --> 01:27:08.800 and if you have a business, they do commercial policies, Brian. 1731 01:27:09.119 --> 01:27:12.199 So Lisa has two people above. 1732 01:27:11.920 --> 01:27:14.399 Her in a condo. She's on the first floor. She 1733 01:27:14.479 --> 01:27:18.720 had two different flood issues from two different condos. But 1734 01:27:18.840 --> 01:27:22.479 because they're kind of both above her, both of them 1735 01:27:22.479 --> 01:27:25.920 affected her. She ended up turning it over to I 1736 01:27:25.960 --> 01:27:29.079 want to I think she said, Safeco. Who do you have, Lisa? 1737 01:27:29.159 --> 01:27:30.880 Who ended up? Who's your insurance? 1738 01:27:32.920 --> 01:27:33.760 Liberty Mutual? 1739 01:27:33.840 --> 01:27:35.920 And they're terrible, That's why I said Safeco. 1740 01:27:36.039 --> 01:27:36.479 That's funny. 1741 01:27:36.520 --> 01:27:40.279 Liberty Mutual own Safeco. But anyhow, so she turns it 1742 01:27:40.319 --> 01:27:43.359 over to hers, but her coverage is only up to 1743 01:27:43.439 --> 01:27:46.680 twenty thousand dollars. First of all, I didn't know there's 1744 01:27:46.760 --> 01:27:50.520 things like that. I mean, does that sound normal to you? 1745 01:27:51.439 --> 01:27:53.680 Well, I mean, if there's a limit on it, I 1746 01:27:53.680 --> 01:27:57.119 would think it would have been for something like water. 1747 01:27:56.920 --> 01:27:58.039 Backup, got it? 1748 01:27:58.119 --> 01:28:00.600 But or she should have a twenty thousand dollars dwelling limit. 1749 01:28:00.680 --> 01:28:02.399 Is that what it is? She only has twenty thousand 1750 01:28:02.399 --> 01:28:03.560 dollars of interior covering. 1751 01:28:03.720 --> 01:28:06.239 Well, I don't know about that, because they made her 1752 01:28:06.319 --> 01:28:09.079 do now it should be in my opinion, at least, 1753 01:28:09.319 --> 01:28:12.479 it should be two different claims. One happened then the 1754 01:28:12.560 --> 01:28:16.600 other happened in their two separate apartments. So Liberty Mutual 1755 01:28:16.840 --> 01:28:20.279 ended up paying her. What she says is the max coverage. 1756 01:28:20.279 --> 01:28:23.560 She had twenty thousand pers so she got a check 1757 01:28:23.640 --> 01:28:30.079 from them for forty thousand dollars, right, Lisa, Okay, correct, Okay. 1758 01:28:30.119 --> 01:28:34.279 Now the problem is though State Farm, who covers both 1759 01:28:34.319 --> 01:28:37.720 of the people above her, aren't doing anything one of 1760 01:28:37.760 --> 01:28:44.600 the people. What State Farm actually combined? This part baffles me, Lisa. 1761 01:28:44.640 --> 01:28:48.399 I want to clarify something. You had one flood from 1762 01:28:48.439 --> 01:28:55.159 one neighbor, then another flood from another neighbor. Right, correct, When. 1763 01:28:55.000 --> 01:28:58.199 They were mitigating the first flood, they found damage from 1764 01:28:58.239 --> 01:29:01.640 the second one. And I also have an email from 1765 01:29:01.800 --> 01:29:07.560 State Farms saying we accept the liability for the fall damage. 1766 01:29:07.720 --> 01:29:08.880 We will take care of it. 1767 01:29:08.960 --> 01:29:10.119 And now they're not doing it. 1768 01:29:10.159 --> 01:29:12.840 Okay, hold on now. But so, Brian, the first thing 1769 01:29:12.880 --> 01:29:15.880 I want to ask you about. It's baffling is when 1770 01:29:15.920 --> 01:29:20.000 it came to subrogating and getting her her deductible. That's 1771 01:29:20.039 --> 01:29:23.479 all I'm talking about right now. They said they combined 1772 01:29:23.520 --> 01:29:27.279 them State Farm. Did they ensure both parties? They said 1773 01:29:27.279 --> 01:29:31.239 they combined them into one claim. So they're only giving 1774 01:29:31.239 --> 01:29:35.439 her five hundred dollars. But Liberty Mutual did two different 1775 01:29:35.479 --> 01:29:39.119 claims and charged her one thousand dollars. Of course, five 1776 01:29:39.199 --> 01:29:43.079 hundred per incident. What do you make of that. 1777 01:29:43.319 --> 01:29:46.479 It's bizarre they could combine it if they're two separate losses. 1778 01:29:46.600 --> 01:29:48.760 Yea happened at two different times, you're saying. 1779 01:29:49.840 --> 01:29:52.840 Yeah, So what she's saying is she had the main one, 1780 01:29:52.920 --> 01:29:55.279 let's call it the main one, and while they were 1781 01:29:55.359 --> 01:30:00.600 fixing that, they found another leak that was effected Lisa 1782 01:30:00.640 --> 01:30:04.319 from another apartment or another condo that happened to be 1783 01:30:04.920 --> 01:30:06.680 insured by State Farm as well. 1784 01:30:06.760 --> 01:30:08.279 Two separate too separate? 1785 01:30:08.399 --> 01:30:11.039 Well, okay, and I other go ahead. 1786 01:30:11.079 --> 01:30:13.760 What if the other unit owner was a different insurance company? 1787 01:30:13.840 --> 01:30:15.720 You know, it's not like State Farm would cover that 1788 01:30:15.840 --> 01:30:18.520 out of the first claim. It's no, those are two 1789 01:30:18.520 --> 01:30:19.159 separate claims. 1790 01:30:19.199 --> 01:30:20.880 It's ridiculous, is what you're saying. 1791 01:30:20.920 --> 01:30:24.680 If she's correct, Okay, Now here's the bigger problem, and 1792 01:30:24.760 --> 01:30:26.800 I've got answers, but I want to I want to 1793 01:30:26.840 --> 01:30:29.520 really understand where I was hoping you could kind of 1794 01:30:29.560 --> 01:30:31.520 explain where State Farm's coming from. 1795 01:30:31.640 --> 01:30:33.840 So I'm going to push you up against the wall again. 1796 01:30:34.640 --> 01:30:37.079 I agree they shouldn't combine them, but how the hell 1797 01:30:37.159 --> 01:30:41.600 did they Where in their brain did they combine them? 1798 01:30:41.800 --> 01:30:42.600 That makes no sense. 1799 01:30:42.680 --> 01:30:45.439 Okay, That's all I needed to hear, because I couldn't 1800 01:30:45.479 --> 01:30:48.159 I couldn't wrap my head around it. Now. The second thing, 1801 01:30:49.560 --> 01:30:54.000 her total cost to get back to good was forty 1802 01:30:54.039 --> 01:30:58.560 seven thousand dollars. She had the cap of twenty thousand 1803 01:30:58.720 --> 01:31:01.680 on per so they gave her a total of forty 1804 01:31:01.760 --> 01:31:05.039 thousand because they looked at it as two different claims, 1805 01:31:05.359 --> 01:31:08.840 so she got forty. They still over seven. And now 1806 01:31:08.960 --> 01:31:11.239 State Farm is saying we're not going to give you anything. 1807 01:31:11.560 --> 01:31:13.880 And according to Lisa, which I find a little hard 1808 01:31:13.920 --> 01:31:17.159 to believe, Lisa, they're not giving you any reasoning why 1809 01:31:17.159 --> 01:31:22.119 they're not giving you anything on either claim. 1810 01:31:22.279 --> 01:31:22.600 Correct. 1811 01:31:23.359 --> 01:31:25.720 So I mean, Brian, what do you make of that? 1812 01:31:26.640 --> 01:31:29.680 So here's what I would tell you, even whenever I 1813 01:31:29.720 --> 01:31:33.560 heard what the claim was about. In general, this isn't 1814 01:31:33.560 --> 01:31:36.239 always the case, but in general, it is very hard 1815 01:31:36.720 --> 01:31:42.439 to collect damages from someone because of water claim unless unless. 1816 01:31:42.079 --> 01:31:43.600 There is clear negligence. 1817 01:31:43.640 --> 01:31:47.159 In other words, just because the pipe was in their 1818 01:31:47.319 --> 01:31:49.800 unit and it bursts. I'm making that up. I don't 1819 01:31:49.800 --> 01:31:51.680 know if that's what happened here, But let's ask. 1820 01:31:51.520 --> 01:31:54.880 Her, Lisa, what do you know about the actual cause, Like, 1821 01:31:54.960 --> 01:31:58.520 for example, today, turn the bathtub on or fill the 1822 01:31:58.520 --> 01:32:01.960 bathtub up and it over load, or did a pipe break. 1823 01:32:02.000 --> 01:32:05.000 What do you know about it? With the exception, you 1824 01:32:05.039 --> 01:32:07.079 have water damage? We know you know that. 1825 01:32:09.399 --> 01:32:09.600 Well. 1826 01:32:09.720 --> 01:32:13.960 From the main water damage, the lady had an old 1827 01:32:14.279 --> 01:32:19.880 and faulty connector to her toilet that she never fixed 1828 01:32:19.920 --> 01:32:21.119 for twelve or fourteen. 1829 01:32:21.159 --> 01:32:23.479 What the hell does that mean? An old faulty connector? 1830 01:32:23.479 --> 01:32:24.880 You mean like a wax ring? 1831 01:32:27.479 --> 01:32:28.000 I don't know. 1832 01:32:29.760 --> 01:32:30.319 One of the All. 1833 01:32:31.239 --> 01:32:33.920 Okay, well there you go. Let's say that's what it was. Brian, 1834 01:32:34.039 --> 01:32:35.279 how would you look at that? 1835 01:32:36.159 --> 01:32:38.600 Unless you're able to show that she was advised or 1836 01:32:38.600 --> 01:32:41.880 told she needed to replace it, that's not necessarily negligence. 1837 01:32:42.119 --> 01:32:44.079 I will just tell you I deal with these claims 1838 01:32:44.640 --> 01:32:51.239 all the time, and almost always, unless there is clear negligence, 1839 01:32:51.560 --> 01:32:54.960 your insurance is responsible for the damage that occurred, whether 1840 01:32:55.000 --> 01:32:57.640 it was it was the result of something that happened 1841 01:32:57.680 --> 01:33:01.399 above you. That's just how it worked. It's very hard 1842 01:33:01.439 --> 01:33:01.920 to collect. 1843 01:33:01.920 --> 01:33:04.239 Well, if they're saying I won't hold on though, Brian, Yeah, 1844 01:33:04.279 --> 01:33:07.680 that's curious. You're saying that. So I realized this is 1845 01:33:07.720 --> 01:33:12.079 a condo situation. But if they have something that old, 1846 01:33:12.439 --> 01:33:15.640 I mean like a thirty year old pipe that's been 1847 01:33:15.760 --> 01:33:19.640 leaking for thirty years, I mean shouldn't they have freaking 1848 01:33:19.800 --> 01:33:21.560 known well. 1849 01:33:21.399 --> 01:33:23.840 And that's the question. I mean, you would have to 1850 01:33:23.880 --> 01:33:26.359 take that to court to prove that that, hey, this 1851 01:33:26.520 --> 01:33:28.920 is negligence. They should have known. Who knows how long 1852 01:33:28.960 --> 01:33:31.359 they've owned the unit. You can just see where it 1853 01:33:31.399 --> 01:33:35.920 can get difficult to prove negligence, and so in most 1854 01:33:35.920 --> 01:33:37.680 cases the insurance companies. 1855 01:33:37.359 --> 01:33:40.800 Well, let's talk neg Let's talk negligence real quick. 1856 01:33:40.880 --> 01:33:42.760 Let's say it's a house like in. 1857 01:33:42.800 --> 01:33:46.520 Highland's Ranch and there's two homes and my sprinkler. Or 1858 01:33:46.600 --> 01:33:49.199 let's say I got a water feature and I've got 1859 01:33:49.239 --> 01:33:52.640 to add water to my water feature occasionally because of evaporation, 1860 01:33:53.000 --> 01:33:55.000 and I put the hose in and I turn it on, 1861 01:33:55.560 --> 01:33:58.960 and I actually leave on vacation forget the hoses on, 1862 01:33:59.359 --> 01:34:02.920 and it uds into the neighbor's house. I assume my 1863 01:34:03.119 --> 01:34:05.000 insurance is going to cover that neighbor. 1864 01:34:06.000 --> 01:34:09.520 Well, your neighbor's insurance probably had flood insurance would cover 1865 01:34:09.800 --> 01:34:12.039 theirs and then maybe try to sebrogate. But yeah, I 1866 01:34:12.039 --> 01:34:15.239 think that would be evidence of some negligence there. Because 1867 01:34:15.279 --> 01:34:17.279 you were the one that turned on the water, you 1868 01:34:17.359 --> 01:34:20.000 walked away. That's pretty negligent. So I think that would 1869 01:34:20.000 --> 01:34:21.720 be a pretty good case to go for. 1870 01:34:21.920 --> 01:34:24.840 But a pipe, pipe in the wall, a pipe in 1871 01:34:24.880 --> 01:34:26.600 the wall that no one knows about. 1872 01:34:26.960 --> 01:34:27.039 That. 1873 01:34:27.359 --> 01:34:30.359 I get where you're coming from. But if we're talking something, okay, 1874 01:34:30.800 --> 01:34:32.560 no matter what, it's got to end up in front 1875 01:34:32.560 --> 01:34:34.359 of a judge. So hold on now, right now, I 1876 01:34:34.399 --> 01:34:38.680 want to lock in somebody else. Matt Stanford, he's with 1877 01:34:38.800 --> 01:34:42.600 Paragon Services. This guy two different times in the last 1878 01:34:42.680 --> 01:34:46.359 few years, my insurance company and Brian I use you guys, 1879 01:34:46.600 --> 01:34:49.279 you can vouch for this. One time they said no 1880 01:34:49.439 --> 01:34:52.880 roof damage and I think that was Safeco or maybe Alliance. 1881 01:34:52.920 --> 01:34:55.399 I forget whoever it was. I had Mat out. 1882 01:34:55.439 --> 01:34:58.960 We went from zero to an eighty thousand dollars check 1883 01:34:59.000 --> 01:35:01.640 I got, I got a new roof, new pain everything. 1884 01:35:01.880 --> 01:35:06.600 Then recently I think it was Safeco again they said 1885 01:35:07.039 --> 01:35:10.399 I didn't have any damage, and basically Matt came out 1886 01:35:10.439 --> 01:35:13.279 and got me almost forty thousand dollars. So he is 1887 01:35:13.359 --> 01:35:18.560 what is called a public adjuster. So Lisa, we're gonna 1888 01:35:18.560 --> 01:35:21.279 ask him right now. So oh, get her back on. 1889 01:35:21.479 --> 01:35:23.880 When I picked him up, I dropped her. Lisa, call 1890 01:35:23.960 --> 01:35:26.039 back in. That was my bad. We'll get you right 1891 01:35:26.039 --> 01:35:28.720 back up. Matt, you kind of heard the story. 1892 01:35:29.039 --> 01:35:30.119 What do you make of this? 1893 01:35:30.239 --> 01:35:30.439 Man? 1894 01:35:30.760 --> 01:35:33.079 If you got involved in this, what would you do? 1895 01:35:34.239 --> 01:35:34.439 Well? 1896 01:35:34.520 --> 01:35:36.880 From what I am just trying to mentally catch up here. 1897 01:35:36.920 --> 01:35:39.960 So she had liberty mutual for her carrier. 1898 01:35:39.760 --> 01:35:41.039 On her condo Churras. 1899 01:35:41.279 --> 01:35:44.640 Yes, and there were two separate claims with two separate 1900 01:35:44.640 --> 01:35:48.000 claim numbers, two separate issues, and they paid the full 1901 01:35:48.039 --> 01:35:48.840 limit on both. 1902 01:35:49.479 --> 01:35:54.600 Yes. Apparently her limit is two or twenty thousand dollars okay. 1903 01:35:54.319 --> 01:35:57.159 So in this situation they're the good guys for her. 1904 01:35:57.560 --> 01:35:59.920 The question is what did it take to repair every 1905 01:36:00.079 --> 01:36:00.880 then get her back. 1906 01:36:00.760 --> 01:36:01.880 To good forty seven? 1907 01:36:02.319 --> 01:36:05.000 Seven thousand dollars more so. 1908 01:36:05.079 --> 01:36:09.920 Seven thousand delta. So basically her the units that cause 1909 01:36:09.960 --> 01:36:12.000 the damage to their State Farm carriers. 1910 01:36:12.000 --> 01:36:15.720 They're both State Farm and interestingly enough, I've never heard 1911 01:36:15.760 --> 01:36:21.000 about this, but Lisa is saying State Farm did reimburse. 1912 01:36:21.159 --> 01:36:23.560 This is the part that gets a little weird. Lisa, 1913 01:36:23.640 --> 01:36:26.680 you said that they did reimburse five hundred dollars to 1914 01:36:26.800 --> 01:36:29.520 you for a deductible Is that correct? 1915 01:36:30.520 --> 01:36:30.800 Yes? 1916 01:36:31.119 --> 01:36:34.720 And they only gave her one saying there's only one claim, 1917 01:36:35.239 --> 01:36:39.079 so State Farm because I guess they ensure both units 1918 01:36:39.600 --> 01:36:42.680 are is claiming there's only one. So she did get 1919 01:36:42.720 --> 01:36:45.239 five hundred, But the five hundred is really not the 1920 01:36:45.279 --> 01:36:48.079 big deal, Matt. The big deal is that she had 1921 01:36:48.119 --> 01:36:50.560 forty seven thousand dollars in damage. 1922 01:36:51.439 --> 01:36:54.000 Yeah, so you would expect that after she's capped with 1923 01:36:54.039 --> 01:36:56.159 her own insurance, that State Farm would pick up the 1924 01:36:56.199 --> 01:37:01.000 rest or. There typically is an HLA involved in their 1925 01:37:01.000 --> 01:37:04.039 insurance company, which would kind of take care of anything 1926 01:37:04.079 --> 01:37:04.920 between the walls. 1927 01:37:05.119 --> 01:37:06.920 No, it wasn't between the walls. 1928 01:37:07.000 --> 01:37:11.359 Apparently, it's the water line going to the toilet, and 1929 01:37:11.399 --> 01:37:14.399 it's really old and it was leaking right there, so 1930 01:37:14.439 --> 01:37:17.920 it's not in the walls. It's literally at where it 1931 01:37:17.920 --> 01:37:19.039 connects to the toilet. 1932 01:37:20.000 --> 01:37:23.439 Well, the two different carriers, Okay. 1933 01:37:23.119 --> 01:37:24.359 Where was this from? 1934 01:37:24.720 --> 01:37:29.199 Where's the second one? Lisa from a toilet, from the 1935 01:37:29.239 --> 01:37:30.720 toilet itself? Meaning what. 1936 01:37:32.720 --> 01:37:33.760 So they're both from. 1937 01:37:33.600 --> 01:37:34.520 A toilet. 1938 01:37:36.359 --> 01:37:41.399 One, yes, well they can't yes, correct one. 1939 01:37:41.840 --> 01:37:44.680 See that that makes no sense. They're they're combining it 1940 01:37:44.720 --> 01:37:45.600 into one claim. 1941 01:37:45.640 --> 01:37:45.840 Matt. 1942 01:37:45.880 --> 01:37:47.920 Have you ever heard I got I gotta break guys. 1943 01:37:47.960 --> 01:37:50.720 I'm sorry, I got to put you both on hold. 1944 01:37:50.840 --> 01:37:53.000 I've got to take this break hold on. I'm dying 1945 01:37:53.000 --> 01:38:00.159 to get to the bottom of this, So listen, We've 1946 01:38:00.199 --> 01:38:02.840 got a lot kicking and I've got about forty five 1947 01:38:02.920 --> 01:38:06.000 seconds before the music, So Matt and Brian, if you 1948 01:38:06.079 --> 01:38:08.720 can hold on, that'd be great. Lisa hold on, and 1949 01:38:08.760 --> 01:38:11.079 then John's got a comment on those texts we were 1950 01:38:11.119 --> 01:38:14.319 talking about with DMV. But I simply do not have 1951 01:38:14.359 --> 01:38:16.880 the time to get back to the phones. That's my bad, 1952 01:38:16.960 --> 01:38:19.079 So I hope everybody holds on. We do have two 1953 01:38:19.119 --> 01:38:23.680 lines open three zero three seven one three eight two 1954 01:38:23.760 --> 01:38:26.960 five five three oho three Martino another hour coming up. 1955 01:38:27.239 --> 01:38:29.239 Hopefully we can get to the bottom of this deal 1956 01:38:29.279 --> 01:38:32.800 with Lisa and that and a lot more right after this. 1957 01:38:32.960 --> 01:38:46.279 You're on the Troubleshooter Network ripped off, so you don't have. 1958 01:38:48.479 --> 01:38:49.239 Come running. 1959 01:38:49.439 --> 01:38:50.880 Just as as we can. 1960 01:38:52.159 --> 01:38:58.439 Shooter's gonna help come. This is the Troubleshooter Show. No 1961 01:38:59.039 --> 01:39:03.319 Ton martinocome. Welcome to the only show. But it's kind. 1962 01:39:03.319 --> 01:39:06.680 We're here to solve problems, answer questions, take complaints. We're 1963 01:39:06.680 --> 01:39:09.800 here to solve those problems. In fact, I'm going to 1964 01:39:09.920 --> 01:39:12.199 jump right back to the phones because I have two 1965 01:39:12.239 --> 01:39:16.359 experts on. Lisa called up in a nutshells, she's in 1966 01:39:16.399 --> 01:39:18.960 a condo, she's on the bottom floor right above her. 1967 01:39:19.000 --> 01:39:22.800 There's two condos that had a leak, both at the toilets. 1968 01:39:23.199 --> 01:39:26.560 State Farm happens to be both of their insurance companies. 1969 01:39:26.920 --> 01:39:31.039 Some reason, they combined both into one claim and only 1970 01:39:31.119 --> 01:39:35.119 gave Lisa five hundred dollars. Now, there was forty seven 1971 01:39:35.199 --> 01:39:39.399 thousand dollars in damage. The five hundred was basically one deductible, 1972 01:39:39.840 --> 01:39:42.960 but once again, for whatever reason, as crazy as it sounds, 1973 01:39:43.319 --> 01:39:48.520 State Farm actually combined according to Lisa, the two claims. 1974 01:39:48.520 --> 01:39:52.199 None of us can understand that, but forty seven thousand 1975 01:39:52.239 --> 01:39:55.239 dollars in damage. She turned it over to her own 1976 01:39:55.800 --> 01:39:59.800 insurance company that had two different claims two different places, 1977 01:39:59.840 --> 01:40:02.800 like there should be, but her maximum was twenty thousand 1978 01:40:02.800 --> 01:40:06.920 per claim, so she got forty thousand, five hundred dollars 1979 01:40:06.960 --> 01:40:10.800 and basically is still owed seven thousand dollars. Matt Stanford, 1980 01:40:10.960 --> 01:40:15.319 Paragon Services, Brian Burns's Compass Insurance are both with me 1981 01:40:15.439 --> 01:40:17.840 right now, and Lisa is still listening. We'll bring her 1982 01:40:17.880 --> 01:40:20.079 up in a minute. But guys, where would you go 1983 01:40:20.199 --> 01:40:22.640 from here? Let's go down to there. Matt, I think 1984 01:40:22.680 --> 01:40:26.479 you got the recap right, so what would you possibly 1985 01:40:26.560 --> 01:40:28.520 do in this circumstance. 1986 01:40:29.479 --> 01:40:31.680 Well, number one, she needs to get the other five 1987 01:40:31.760 --> 01:40:36.039 hundred compensations in the other claim. The way to do 1988 01:40:36.079 --> 01:40:38.560 that is to find out who she needs to contact 1989 01:40:38.560 --> 01:40:41.520 at State Farm. From my desk, I have no leverage 1990 01:40:41.560 --> 01:40:43.560 because I represent the actual policy over. 1991 01:40:43.800 --> 01:40:45.119 Yeah, who did everything right? 1992 01:40:45.159 --> 01:40:45.680 Apparently? 1993 01:40:46.479 --> 01:40:46.720 Yeah? 1994 01:40:46.760 --> 01:40:49.600 I mean if they maxed out two different claims provo, 1995 01:40:50.000 --> 01:40:52.079 you know that's great. Now one thing to consider. There 1996 01:40:52.079 --> 01:40:56.479 may be there might be another category, my code upgrade coverage. 1997 01:40:56.640 --> 01:40:59.600 If there's any electrical being worked on or anything that 1998 01:40:59.640 --> 01:41:03.479 can be dealt with in a completely separate category. So 1999 01:41:03.920 --> 01:41:06.760 let's say there's three thousand dollars in code upgrades coverage 2000 01:41:06.760 --> 01:41:10.079 and he's done, you can move that to that category. 2001 01:41:10.119 --> 01:41:12.720 So there's three grands in the right direction. Does that 2002 01:41:12.760 --> 01:41:13.319 make sense? 2003 01:41:13.479 --> 01:41:15.680 That makes sense? But I have no idea, Lisa. Do 2004 01:41:15.760 --> 01:41:19.960 you know when they actually fixed everything? What did they do? 2005 01:41:23.000 --> 01:41:27.279 Well, we had, but the entire bathroom had to be gutted, 2006 01:41:28.359 --> 01:41:31.159 and the ceiling in the dining room and the entire 2007 01:41:31.239 --> 01:41:33.439 floor in the whole condo had. 2008 01:41:33.359 --> 01:41:33.960 To be gutted. 2009 01:41:34.079 --> 01:41:36.039 Do you know if they had to do any code. 2010 01:41:35.800 --> 01:41:37.600 Up grand and air conditioner. 2011 01:41:38.239 --> 01:41:38.680 I don't know. 2012 01:41:39.199 --> 01:41:40.960 The hvac they. 2013 01:41:43.439 --> 01:41:46.000 Did they do? I'm sorry, Lisa, real quick? Did you 2014 01:41:46.039 --> 01:41:48.479 say they had to replace the HVAC units? 2015 01:41:50.199 --> 01:41:54.159 Yes, and the air conditioner because the water damaged it 2016 01:41:54.279 --> 01:41:55.880 to a point where they couldn't fix it. 2017 01:41:56.159 --> 01:41:58.000 I bet there would be a code upgrade on that, 2018 01:41:58.039 --> 01:41:59.439 wouldn't you, Matt? 2019 01:42:00.000 --> 01:42:01.000 Probably would be yes. 2020 01:42:01.079 --> 01:42:03.039 And then if they got in the bathroom, you've got 2021 01:42:03.039 --> 01:42:06.079 to have you know, GFCI outlets in the bathroom and 2022 01:42:06.079 --> 01:42:06.960 that effect. 2023 01:42:07.079 --> 01:42:09.920 Can you do this, Matt? Can you if she sends 2024 01:42:09.960 --> 01:42:14.439 you over the information, do you mind eyeballing it just 2025 01:42:14.479 --> 01:42:18.000 to see if there's another way to go through her 2026 01:42:18.039 --> 01:42:20.199 own insurance company to pay some of it. 2027 01:42:21.119 --> 01:42:23.800 Yeah, that's not a problem. Has the work been completed? 2028 01:42:23.840 --> 01:42:25.680 Everything's done? 2029 01:42:25.920 --> 01:42:26.159 Yeah? 2030 01:42:27.159 --> 01:42:29.720 Okay, Yes, send me anything that you've got as far 2031 01:42:29.760 --> 01:42:32.159 as the invoice from the contractor. They might have all 2032 01:42:32.199 --> 01:42:32.960 that itemize. 2033 01:42:33.199 --> 01:42:35.479 That's what would be the best, Lisa, if you have 2034 01:42:35.640 --> 01:42:38.920 the invoices from the contractor, and then he's going to 2035 01:42:39.000 --> 01:42:44.399 need your actual insurance policy from Liberty Mutual. Okay, Now, 2036 01:42:44.399 --> 01:42:47.520 what do you guys think of this? Hopefully you can 2037 01:42:47.560 --> 01:42:49.640 find some there, Matt, to try to make her whole, 2038 01:42:50.079 --> 01:42:53.439 But I would sue both of them in small claims court. 2039 01:42:53.760 --> 01:42:56.439 It's only going to cost you fifty bucks each, Lisa, 2040 01:42:56.640 --> 01:43:00.319 fifty five, and I'd sue them for the exact same 2041 01:43:00.359 --> 01:43:04.199 amount seventy five hundred, which is the tops for the damage. 2042 01:43:04.359 --> 01:43:06.520 Then they're going to have to go to State Farm, 2043 01:43:06.960 --> 01:43:09.319 and State Farm's either going to have to cough up 2044 01:43:09.359 --> 01:43:12.960 money for an attorney to defend it, or they're going 2045 01:43:13.039 --> 01:43:16.760 to end up paying you whatever is owned. Brian, what 2046 01:43:16.880 --> 01:43:18.680 is your thoughts on that? 2047 01:43:18.680 --> 01:43:20.640 That's exactly what my advice is going to be, And 2048 01:43:20.640 --> 01:43:23.560 I'll tell you why, because I feel like State Farm 2049 01:43:23.720 --> 01:43:26.520 opened the door by giving five hundred dollars already, they've 2050 01:43:26.560 --> 01:43:28.600 almost admitted some liability in this. 2051 01:43:28.920 --> 01:43:32.359 Hey, Matt, explain that once a company or either of you, 2052 01:43:32.439 --> 01:43:34.399 Brian explained that I forgot about that. 2053 01:43:34.840 --> 01:43:37.199 Once they pay you a nickel, they. 2054 01:43:37.079 --> 01:43:41.960 Basically agreed that their client did something wrong. Now it's 2055 01:43:42.039 --> 01:43:45.039 just negotiating how much right. 2056 01:43:44.960 --> 01:43:47.199 With your own policy. And Matt deals with this all 2057 01:43:47.239 --> 01:43:50.119 the time. You can go to appraisal, where if they 2058 01:43:50.159 --> 01:43:53.399 just say something's not covered, appraisal is not always the 2059 01:43:53.439 --> 01:43:56.560 best solution because they're not admitting fault to anything. Once 2060 01:43:56.600 --> 01:44:00.319 they admit it in this case, though, the other insurance 2061 01:44:00.399 --> 01:44:03.000 company that is already saying, hey, we're going to pay 2062 01:44:03.000 --> 01:44:06.119 your productible, that would indicate that they're accepting some fault 2063 01:44:06.159 --> 01:44:08.000 to me, and I would say that that would be 2064 01:44:08.079 --> 01:44:11.600 a good lead in to a small claims type lawsuit. 2065 01:44:11.800 --> 01:44:13.000 Lisa, I'm not kiddinged. 2066 01:44:13.399 --> 01:44:15.479 It's only fifty bucks. 2067 01:44:16.159 --> 01:44:16.359 Yeah. 2068 01:44:16.399 --> 01:44:19.079 I also need to tell you that I have emails 2069 01:44:19.399 --> 01:44:23.840 from State Farm point blank saying we accept full liability 2070 01:44:24.000 --> 01:44:24.520 for everything. 2071 01:44:24.880 --> 01:44:28.039 That's great, that's all going to come up with the judge, 2072 01:44:28.039 --> 01:44:30.600 but you've got to file it. If they don't do 2073 01:44:30.720 --> 01:44:33.439 anything at this point, I don't care what we're talking about. 2074 01:44:33.760 --> 01:44:36.199 The only time you can have some of these companies. 2075 01:44:36.239 --> 01:44:38.840 I don't care if it's at and T or uber 2076 01:44:39.239 --> 01:44:41.359 or a hospital. I'm thinking of all the people I 2077 01:44:41.439 --> 01:44:44.600 brought to small claims. I'm telling you right now, they 2078 01:44:44.680 --> 01:44:48.159 just start ghosting you, because most people go away if 2079 01:44:48.199 --> 01:44:52.800 you file small claims. It's only fifty dollars each on 2080 01:44:52.960 --> 01:44:56.279 both of them. Those people are going to immediately call 2081 01:44:56.399 --> 01:44:59.960 State Farm and they have no choice but to get involved. 2082 01:45:00.239 --> 01:45:02.000 They can't ghost you anymore. 2083 01:45:03.720 --> 01:45:07.520 Okay, it's really that easy that I'm happy to do it. 2084 01:45:07.960 --> 01:45:12.199 Yeah, I'll tell you what you can email. I want 2085 01:45:12.239 --> 01:45:15.720 this to go to Dmitri. So hold on. I'm going 2086 01:45:15.800 --> 01:45:18.239 to have one of our deputies kind of email you 2087 01:45:18.359 --> 01:45:20.560 some forms. He's not an attorney and it's not going 2088 01:45:20.640 --> 01:45:23.600 to be legal advice, but he has filled them out 2089 01:45:23.680 --> 01:45:27.239 numerous times and he can tell you the basics on 2090 01:45:27.359 --> 01:45:30.119 filling out the paper and where to file them. You 2091 01:45:30.199 --> 01:45:34.680 follow me. Then it's just very relaxed rules and you're 2092 01:45:34.680 --> 01:45:36.720 going to show up with your emails. You're going to 2093 01:45:36.760 --> 01:45:39.720 show up with your receipts, and I bet you're gonna 2094 01:45:39.760 --> 01:45:42.279 end up with the money. I want you to follow 2095 01:45:42.319 --> 01:45:43.239 back up with us. 2096 01:45:46.479 --> 01:45:50.239 Go ahead, Lisa, I'm sorry, No, I hope so, I'd 2097 01:45:50.439 --> 01:45:52.039 be happy to receive the help. 2098 01:45:52.119 --> 01:45:52.439 Thank you. 2099 01:45:52.600 --> 01:45:54.680 Yeah, so hold on, hold on, make sure we have 2100 01:45:54.720 --> 01:45:57.720 all your information. Let me get you on hold there 2101 01:45:58.479 --> 01:46:02.039 and then, guys, I appreciate you coming on, Brian, That's 2102 01:46:02.039 --> 01:46:04.800 what I was thinking. Just like you small claims, this 2103 01:46:05.000 --> 01:46:08.920 is made for it, Matt. You must agree with that absolutely. 2104 01:46:08.960 --> 01:46:11.399 Yeah, you know, like I said, I can't do anything 2105 01:46:11.960 --> 01:46:15.640 with another policy holder, but put that in a legal 2106 01:46:15.680 --> 01:46:17.520 arena and they can knock it out of parking. 2107 01:46:17.600 --> 01:46:21.479 All right, check it out everybody Brian Burns quote Compass 2108 01:46:21.520 --> 01:46:23.920 dot com. Just reach out to them. They're great people. 2109 01:46:24.159 --> 01:46:26.199 Where you can call Brian at three oh three nine 2110 01:46:26.279 --> 01:46:29.319 ninety six nine thousand. They will one hundred percent look 2111 01:46:29.359 --> 01:46:31.760 at what you got. Going as far as insurance coverage, 2112 01:46:32.079 --> 01:46:34.640 make sure it's the proper coverage. They're never gonna sell 2113 01:46:34.680 --> 01:46:37.319 you anything you don't need, but they're gonna make sure 2114 01:46:37.399 --> 01:46:40.279 what you do need is there and hopefully they can 2115 01:46:40.319 --> 01:46:42.760 beat the heck out of whoever you have and they're 2116 01:46:42.760 --> 01:46:45.439 gonna shop it each year for you. That's what they do. 2117 01:46:45.520 --> 01:46:48.600 That's why I've personally used and Brian, I appreciate you 2118 01:46:48.680 --> 01:46:51.479 coming on. And then on top of that, Matt Stanford, 2119 01:46:51.680 --> 01:46:55.199 if you're fighting with your own insurance company, maybe they 2120 01:46:55.239 --> 01:46:58.279 only want to pay you for roof damage, but you 2121 01:46:58.439 --> 01:47:01.800 have siding damage, fent damage, you have a lot of 2122 01:47:01.840 --> 01:47:03.920 other damage, but they don't want to talk about it. 2123 01:47:04.159 --> 01:47:07.359 That's when you call Matt. Matt gets every single penny 2124 01:47:07.640 --> 01:47:10.439 that insurance company owes you. And then, like me, if 2125 01:47:10.479 --> 01:47:13.560 they're telling you the original damage, you get Matt involved 2126 01:47:13.600 --> 01:47:16.760 from the beginning and he'll get out there and proved 2127 01:47:16.800 --> 01:47:19.279 to him there is damage and basically gets you a 2128 01:47:19.279 --> 01:47:22.439 big fat check like you got me, Matt Brian. I 2129 01:47:22.479 --> 01:47:25.640 appreciate both of you coming on. Matt can be found 2130 01:47:25.640 --> 01:47:30.920 at Paragonservices dot com. Paragonservices dot com. John hold On, 2131 01:47:31.159 --> 01:47:34.000 we got two lines in open three zero three seven 2132 01:47:34.079 --> 01:47:37.079 one three eight two five five. We've got an update 2133 01:47:37.159 --> 01:47:41.079 from this morning as well. I put Deputy Bow on 2134 01:47:41.199 --> 01:47:45.560 a call about Relaxium. This poor lady was charged a 2135 01:47:45.560 --> 01:47:48.760 couple hundred dollars. She's in her nineties for this product 2136 01:47:48.800 --> 01:47:51.960 that helps you sleep that she hasn't dealt with for 2137 01:47:52.119 --> 01:48:00.520 five years. Wait till you hear the update President Trump. 2138 01:48:00.640 --> 01:48:07.279 Elon Musk, Oh, my god, Tesla down fifteen plus percent. 2139 01:48:08.039 --> 01:48:10.880 Basically the stuff we're hearing back and forth, I mean 2140 01:48:11.279 --> 01:48:14.000 X in Twitter or whatever you want to call it. 2141 01:48:14.039 --> 01:48:16.680 These days, along with true social going. 2142 01:48:16.560 --> 01:48:24.439 Absolutely crazy, absolutely crazy, Elon thinks this big beautiful bill sucks. 2143 01:48:25.119 --> 01:48:27.720 And there's a couple reasons. He thinks that he owns 2144 01:48:27.720 --> 01:48:30.600 an electric car company and they get rid of all 2145 01:48:30.680 --> 01:48:34.880 the subsidies. Quite frankly, I don't care about that, but 2146 01:48:35.119 --> 01:48:37.239 if I was Elon, I'd care about a big time. 2147 01:48:37.760 --> 01:48:42.000 Elon's saying. Without me, Trump would have lost this election. Suzanne, 2148 01:48:42.000 --> 01:48:44.960 you brought up something interesting about the Epstein files. 2149 01:48:45.199 --> 01:48:47.560 Who said that? And are we sure they said it? 2150 01:48:49.039 --> 01:48:51.119 Who said what that? He was in the epstate one 2151 01:48:51.119 --> 01:48:52.079 of our YouTube beasts. 2152 01:48:52.119 --> 01:48:53.880 Okay, well, I don't trust our YouTube beas. 2153 01:48:54.039 --> 01:48:54.239 Wow. 2154 01:48:54.319 --> 01:48:56.520 I mean if I actually saw it myself, what did 2155 01:48:56.520 --> 01:48:57.680 they say that that? 2156 01:48:57.800 --> 01:48:59.479 Yeah, I'd have to see that myself. 2157 01:48:59.520 --> 01:49:01.640 I have no idea. But Mark, when I went back, 2158 01:49:02.039 --> 01:49:05.239 you were saying on your Twitter feed you actually saw 2159 01:49:05.319 --> 01:49:06.199 Elon say that. 2160 01:49:07.199 --> 01:49:11.079 No, I said one of the YouTube's put that Elon 2161 01:49:11.279 --> 01:49:11.600 said that. 2162 01:49:11.920 --> 01:49:12.159 Yeah. 2163 01:49:12.199 --> 01:49:13.760 Well, I'd have to see that myself. 2164 01:49:14.079 --> 01:49:14.880 It doesn't you know. 2165 01:49:15.000 --> 01:49:17.199 Mark, When I went back and looked at those logs 2166 01:49:17.319 --> 01:49:19.880 six or seven months ago, he was there with his 2167 01:49:19.920 --> 01:49:22.800 wife and kids, and in the flight. 2168 01:49:22.600 --> 01:49:26.840 Log that's it. Yeah, yeah, Trump, That's what I'm talking about. 2169 01:49:27.199 --> 01:49:29.399 So was Bill Clinton? So was everybody right? 2170 01:49:29.439 --> 01:49:33.600 Anybody anybody in politics on either side was at that 2171 01:49:33.720 --> 01:49:37.119 island at some point? Who went there with their family? 2172 01:49:37.159 --> 01:49:40.279 I think Trump went there with his family, but I'll 2173 01:49:40.319 --> 01:49:43.079 go on X he didn't go to the island. Okay, 2174 01:49:43.279 --> 01:49:45.520 who went to the island with their family? They were 2175 01:49:45.560 --> 01:49:48.800 trying to give them crap. I don't remember who it was. 2176 01:49:48.880 --> 01:49:50.600 I thought it was Trump and he was there with 2177 01:49:50.720 --> 01:49:56.399 like his daughter or something. Say that again. He used 2178 01:49:56.399 --> 01:50:00.079 the plane. Jeffrey flew him somewhere. Oh okay, but it 2179 01:50:00.119 --> 01:50:03.720 wasn't to the secret Rape Island. No, just like Trump 2180 01:50:03.760 --> 01:50:06.000 flew Mandela. So same deal. 2181 01:50:06.239 --> 01:50:06.399 Man. 2182 01:50:06.479 --> 01:50:09.920 I can't believe these two are fighting like this. It 2183 01:50:10.039 --> 01:50:15.439 is absolutely crazy. They're both bearing themselves. I mean especially well. 2184 01:50:15.880 --> 01:50:18.840 They both are musk for the life. I mean, listen, 2185 01:50:18.880 --> 01:50:21.279 I love Tesla. You listen to this show. I've never 2186 01:50:21.279 --> 01:50:23.319 owned a better car in my life. It is the 2187 01:50:23.359 --> 01:50:26.000 most favored vehicle I ever owned, and I won't stop 2188 01:50:26.039 --> 01:50:29.119 buying them. I absolutely love them. I've never been in 2189 01:50:29.159 --> 01:50:31.520 a vehicle that can drive me wherever I tell it 2190 01:50:31.600 --> 01:50:33.800 to drive me and I don't have to touch anything. 2191 01:50:33.960 --> 01:50:34.600 What's it say? 2192 01:50:34.720 --> 01:50:36.600 Yeah, so it does? Thank you. 2193 01:50:36.680 --> 01:50:39.880 Libby says, time to this is from Elon on the 2194 01:50:40.239 --> 01:50:42.840 X account. Time to drop the really big bomb at 2195 01:50:42.880 --> 01:50:46.239 real Donald Trump is in the Epstein files. That's the 2196 01:50:46.279 --> 01:50:48.960 real reason they have not been made public. Have a 2197 01:50:49.079 --> 01:50:51.399 nice day, djt. 2198 01:50:51.399 --> 01:50:54.640 Oh smack, daddy smack, daddy. 2199 01:50:56.199 --> 01:50:59.319 Smack. And then Trump came back and said the only 2200 01:50:59.359 --> 01:51:02.199 reason he said, richest man in the world. I'm paraphrasing 2201 01:51:03.039 --> 01:51:07.399 is because all not only the subsidies for electric vehicles, 2202 01:51:07.680 --> 01:51:10.920 but for all the government contracts. I mean, they are 2203 01:51:11.119 --> 01:51:13.880 whooping up on each other. You know, the liberals are 2204 01:51:13.920 --> 01:51:17.479 loving this. MSNBC's got to be a twitter right now. 2205 01:51:18.000 --> 01:51:21.720 I mean, this is some crazy stuff. If I didn't 2206 01:51:21.760 --> 01:51:24.720 known Tesla Stock, i'd be relishing in this fight. And 2207 01:51:24.840 --> 01:51:26.960 I like both of them. I love both of them, 2208 01:51:27.279 --> 01:51:31.520 but man, talk about a feud. Talk about a freaking feud. 2209 01:51:31.800 --> 01:51:34.119 There's gonna be a lot of news on this big, 2210 01:51:34.159 --> 01:51:36.920 beautiful bill, and I don't know how I feel about that. 2211 01:51:38.159 --> 01:51:41.720 I thought, honestly, the whole reason I thought DOGE was 2212 01:51:41.760 --> 01:51:45.479 in existence was to make it so we don't make 2213 01:51:45.520 --> 01:51:48.960 the deficit higher. But they want a lot of trillions 2214 01:51:49.439 --> 01:51:52.199 in this bill, which I don't understand. So I understand 2215 01:51:52.199 --> 01:51:56.039 what Musk is saying. But I also understand what Trump's saying. 2216 01:51:56.479 --> 01:51:58.760 Trump's saying, hey, we're cutting a lot of stuff. You'd 2217 01:51:58.760 --> 01:52:01.800 never see that from the demo. And I need money 2218 01:52:01.800 --> 01:52:04.800 for the border wall. I need money just for security 2219 01:52:04.840 --> 01:52:09.239 in general. So I get that too. But man, they 2220 01:52:09.279 --> 01:52:13.720 are at each other's throats. There's some good stuff, right 2221 01:52:13.720 --> 01:52:17.039 here unless you own musk stock like I do. But 2222 01:52:17.199 --> 01:52:19.279 let me tell people that to do own it, don't 2223 01:52:19.279 --> 01:52:21.760 panic on it. And I'll tell you why. It's not 2224 01:52:21.880 --> 01:52:24.840 just car sales, the automation that they're going to be 2225 01:52:24.880 --> 01:52:28.600 selling the Nissan and Hondai and Chevy and Ford in 2226 01:52:28.680 --> 01:52:31.880 any company, all these manufacturers. It's going to take a 2227 01:52:31.880 --> 01:52:33.920 couple of years, but no one can do what he 2228 01:52:33.960 --> 01:52:36.479 does right now. No one can do what he do. 2229 01:52:36.640 --> 01:52:40.479 Those taxis are now in Texas out there completely self 2230 01:52:40.560 --> 01:52:43.560 driving taxis. It's insane and you'll be able to buy 2231 01:52:43.600 --> 01:52:47.640 one for yourself. It's just crazy. And then the robot. 2232 01:52:48.239 --> 01:52:52.119 Think about this for thirty to forty Elon always exaggerates 2233 01:52:52.119 --> 01:52:55.439 when it comes to price, I promise, but thirty thousand 2234 01:52:55.520 --> 01:52:58.479 for the robot, let's say it's forty twenty five percent higher. 2235 01:52:58.680 --> 01:53:02.560 Seems to be what he does twenty five percent higher. 2236 01:53:03.239 --> 01:53:06.279 But you have a robot that literally trains with AI. 2237 01:53:06.640 --> 01:53:09.920 If you want to teach it how to scramble eggs, 2238 01:53:10.199 --> 01:53:13.960 you show it a video of somebody scrambling eggs and 2239 01:53:14.000 --> 01:53:17.079 it literally learns how to scramble eggs for you. If 2240 01:53:17.119 --> 01:53:18.960 you want to show it how to mow the lawn, 2241 01:53:19.199 --> 01:53:21.119 and I'm sure a lot of this stuff will be 2242 01:53:21.239 --> 01:53:23.920 there when you buy it. But it's self training. You 2243 01:53:24.039 --> 01:53:26.399 show it videos and it learns how to do whatever 2244 01:53:26.520 --> 01:53:27.239 task it is. 2245 01:53:27.560 --> 01:53:28.079 It could be. 2246 01:53:28.039 --> 01:53:33.720 Working at Walmart stocking shelves by simply watching videos. It's amazing. 2247 01:53:34.399 --> 01:53:37.760 It's like nothing I've ever seen. And that's AI. And 2248 01:53:37.800 --> 01:53:42.439 then his AI stuff is incredible as hell. Just his 2249 01:53:42.560 --> 01:53:46.199 AI format where you can actually build models and pay 2250 01:53:46.199 --> 01:53:48.479 for the models. I mean, he's competing with all the 2251 01:53:48.479 --> 01:53:51.319 big boys in AI. And that's all part of Tesla. 2252 01:53:51.439 --> 01:53:54.439 All of that wraps up into Tesla. Then I'll get 2253 01:53:54.439 --> 01:53:58.520 off it right after this. But listen to this. This neurolink. 2254 01:54:00.000 --> 01:54:02.479 There's a guy out there with a neurallink that hasn't 2255 01:54:02.520 --> 01:54:06.760 spoken to his family for years. After some kind of 2256 01:54:06.800 --> 01:54:10.359 devastating accident or some kind of something, I don't know 2257 01:54:10.359 --> 01:54:12.640 what it was. He hasn't been able to speak for years, 2258 01:54:12.880 --> 01:54:16.159 cannot talk. Neurallink in his brain. Now you can look 2259 01:54:16.199 --> 01:54:19.479 this up. He talks right through a computer. His thoughts 2260 01:54:19.880 --> 01:54:22.279 come right through it, and he talks in his own 2261 01:54:22.399 --> 01:54:26.800 voice because of the AI function copies it. He talks 2262 01:54:26.840 --> 01:54:31.039 to his family now and cannot talk without neulink. Think 2263 01:54:31.079 --> 01:54:33.520 about if your legs don't work and they can rewire 2264 01:54:33.560 --> 01:54:36.600 with neurlink and all of a sudden a quadriplegia can 2265 01:54:37.039 --> 01:54:39.119 just walk around. That is going to be one of 2266 01:54:39.159 --> 01:54:43.159 the most incredible things that probably happens in my lifetime 2267 01:54:43.439 --> 01:54:46.319 will be neurolink. And it's just crazy and this is 2268 01:54:46.359 --> 01:54:52.880 all musk, but man, this feud is freaking, absolutely bonkers. 2269 01:54:53.039 --> 01:54:57.359 John has a comment on the DMV issue we were 2270 01:54:57.399 --> 01:55:01.720 talking about, which happens to be crossing the double lines. 2271 01:55:02.039 --> 01:55:05.720 People are getting seventy five dollars tickets for crossing a 2272 01:55:05.760 --> 01:55:08.319 double line. The problem is a lot of people get 2273 01:55:08.319 --> 01:55:11.199 them when they're coming out of the toll. They paid 2274 01:55:11.239 --> 01:55:13.600 the toll, but they got to get their exit, so 2275 01:55:13.640 --> 01:55:16.960 they cross to get out of the double lines to exit, 2276 01:55:17.439 --> 01:55:19.479 and they're getting a seventy five dollars ticket. 2277 01:55:19.600 --> 01:55:26.800 John, Yes, Hi, Actually I want to talk about something 2278 01:55:26.840 --> 01:55:30.359 that Doc had said earlier about the texts that people 2279 01:55:30.399 --> 01:55:32.640 are receiving from the DMV. 2280 01:55:33.520 --> 01:55:37.840 Yes, saying basically, pay this amount to this link right now, 2281 01:55:38.359 --> 01:55:41.159 or you might not be able to register your car, 2282 01:55:41.600 --> 01:55:43.279 or we're going to send the police after you. 2283 01:55:43.640 --> 01:55:46.560 Prifice lives will be suspended. All that kind of stuff. Yeah, 2284 01:55:46.600 --> 01:55:47.640 go ahead, John, Yeah. 2285 01:55:48.239 --> 01:55:51.600 I live in southern Arizona and I've received two of 2286 01:55:51.640 --> 01:55:55.319 them in the last three weeks. I delete them and 2287 01:55:55.399 --> 01:55:58.800 report them as spam. But if you read through there, 2288 01:55:58.920 --> 01:56:03.680 it's a teenager that's writing those things up. There's not 2289 01:56:03.840 --> 01:56:07.640 they're not a command of the English language. Number one, 2290 01:56:07.840 --> 01:56:11.159 number two. If you look at the phone number six 2291 01:56:11.359 --> 01:56:15.520 three is a country code for the Philippines. 2292 01:56:16.680 --> 01:56:17.119 Yeah. 2293 01:56:17.239 --> 01:56:19.560 Yeah, I mention that that's a plus six three. 2294 01:56:19.720 --> 01:56:22.319 If there's a six y three is one hundred percent 2295 01:56:22.359 --> 01:56:25.479 phony Bologne. In all honesty, if you get anything like 2296 01:56:25.520 --> 01:56:28.520 this in the form of a text, in ninety nine 2297 01:56:28.560 --> 01:56:30.880 percent of the time it's phony Bologne. I don't care 2298 01:56:31.039 --> 01:56:33.359 if the six three are the country codes there or not. 2299 01:56:33.680 --> 01:56:37.399 But that's interesting that you pointed that out. This particular 2300 01:56:37.439 --> 01:56:38.600 one I'm looking. 2301 01:56:38.319 --> 01:56:41.079 At that's from JR. From the road Marks, from one 2302 01:56:41.079 --> 01:56:42.119 of our YouTubers. 2303 01:56:42.319 --> 01:56:45.239 This one just has a link to pay but it's 2304 01:56:45.239 --> 01:56:49.359 this possible legal prosecution crack rating damage. 2305 01:56:49.520 --> 01:56:54.720 I got a post from now it's Arizona, Maryland, Pennsylvania, Colorado, 2306 01:56:55.920 --> 01:56:57.800 so it's it's nationwide. 2307 01:56:57.920 --> 01:57:00.359 John. The other thing is I bet as soon as 2308 01:57:00.399 --> 01:57:04.399 you block the number, it pops up under a different one. 2309 01:57:05.039 --> 01:57:08.600 Yeah, I don't keep track of it, but I know it. 2310 01:57:09.039 --> 01:57:11.560 I know it's not true. One of the if you 2311 01:57:11.680 --> 01:57:14.039 read down there through all the little things that they're 2312 01:57:14.039 --> 01:57:15.800 going to do to you, they go to number three 2313 01:57:16.159 --> 01:57:18.840 and it's blank, and then they put number three again 2314 01:57:19.079 --> 01:57:21.680 and they tell you they're gonna lock you up in 2315 01:57:21.800 --> 01:57:24.520 a toll booth or something like that, or they're going 2316 01:57:24.600 --> 01:57:27.119 to report it to a toll booth. So you know, 2317 01:57:27.239 --> 01:57:29.039 if you read all the way through there, you know 2318 01:57:29.119 --> 01:57:33.640 that they're you know what, they don't understand the English language. 2319 01:57:33.680 --> 01:57:37.840 John, you know what's scary. You know, Tom jokes about it. 2320 01:57:37.880 --> 01:57:42.239 But ever since I've got Google's AI on my email, 2321 01:57:42.800 --> 01:57:46.159 especially if i'm what I call angry typing, like I'm 2322 01:57:46.199 --> 01:57:49.079 going after a company or I'm like pecking away. Just 2323 01:57:49.119 --> 01:57:53.119 but I can hit one button now and that damn 2324 01:57:53.199 --> 01:57:56.119 thing fixes the email to whatever I want. 2325 01:57:56.239 --> 01:57:56.560 Meaning. 2326 01:57:56.600 --> 01:57:58.640 Do I want it to come off a little angry, 2327 01:57:58.720 --> 01:58:01.199 Do I want it to come off professional? Do I 2328 01:58:01.239 --> 01:58:03.720 want it to come off any which way? I have 2329 01:58:03.800 --> 01:58:07.159 numerous different things to choose from. It's amazing to me 2330 01:58:07.600 --> 01:58:11.079 whoever wrote this, somehow they can send it to like 2331 01:58:11.199 --> 01:58:14.600 every phone in existence, but they're not smart enough to 2332 01:58:14.680 --> 01:58:15.319 clean it up. 2333 01:58:15.399 --> 01:58:17.039 I mean that seems absurd, doesn't it. 2334 01:58:18.399 --> 01:58:18.600 Yeah. 2335 01:58:19.359 --> 01:58:21.600 The other thing that happens too is when I first 2336 01:58:22.079 --> 01:58:25.159 received the very first one, it gave me like a 2337 01:58:25.199 --> 01:58:28.439 week to respond or they're gonna do all these things. 2338 01:58:28.520 --> 01:58:29.520 Luck you're the tollbooth. 2339 01:58:30.039 --> 01:58:31.359 I love them to delete it. 2340 01:58:31.880 --> 01:58:35.039 But then I receive another one a week later with 2341 01:58:36.199 --> 01:58:39.800 the expiration date another week down the road. 2342 01:58:40.479 --> 01:58:43.840 Yeah, have you ever? I'm just curious, John, nothing to 2343 01:58:43.880 --> 01:58:46.720 do with these texts. These these would be, I hate 2344 01:58:46.680 --> 01:58:49.159 to say, hard to fall for, because I know people do. 2345 01:58:49.520 --> 01:58:52.399 Because what happens is they might have gotten a notice 2346 01:58:52.399 --> 01:58:55.920 from wherever they live that's a legitimate notice in the mail. 2347 01:58:56.319 --> 01:58:59.000 Then they get this text and they associate it too, 2348 01:58:59.439 --> 01:59:01.960 and they take care of it, not realizing they're not 2349 01:59:02.039 --> 01:59:05.560 taking care of the legitimate one. So stuff like that happens. 2350 01:59:05.600 --> 01:59:08.800 But have you ever been taken in your lifetime? 2351 01:59:08.840 --> 01:59:09.079 We have. 2352 01:59:09.199 --> 01:59:11.600 I'm sure you've been scammed at some point. What was it? 2353 01:59:13.319 --> 01:59:14.960 No, I would I have to say, no. 2354 01:59:15.479 --> 01:59:18.840 Wow, that's pretty impressive, that's really impressive. I had a 2355 01:59:18.960 --> 01:59:22.159 GM take me for a quarter million dollars years ago. 2356 01:59:22.199 --> 01:59:23.399 That'd be my biggest one. 2357 01:59:24.359 --> 01:59:27.720 Well, I had a business and yeah, that that happens. 2358 01:59:27.720 --> 01:59:29.000 You got to keep your eyes open. 2359 01:59:29.239 --> 01:59:32.920 Yeah, I'll tell you the worst. That the highest guy 2360 01:59:33.039 --> 01:59:34.199 is the guy to watch out for. 2361 01:59:34.319 --> 01:59:34.520 John. 2362 01:59:34.560 --> 01:59:37.880 I appreciate that call. Justin's got to comment on AI 2363 01:59:38.079 --> 01:59:40.760 doc real quick. What are you going to say? I said, nothing, 2364 01:59:40.840 --> 01:59:43.800 all right, justin hold on your next three oh three 2365 01:59:43.840 --> 01:59:46.359 seven one three talk three oh three seven one three 2366 01:59:46.680 --> 01:59:49.880 eight two five five. Don't forget help in troubleshooter dot com. 2367 01:59:50.199 --> 01:59:54.239 That number is invaluable or that email. We answer those 2368 01:59:54.239 --> 01:59:56.920 emails all the time. I do want to talk about 2369 01:59:56.960 --> 02:00:01.520 Denver region. This one's really important for people out there 2370 02:00:01.640 --> 02:00:05.239 suffering from neuropathy. 2371 02:00:05.359 --> 02:00:05.880 Listen to me. 2372 02:00:05.960 --> 02:00:09.159 I don't care if it's from diabetes or other forms 2373 02:00:09.159 --> 02:00:12.840 of nerve damage. The stem cell therapy they have now 2374 02:00:13.359 --> 02:00:18.479 actually regenerates damage nerves. In fact, most people within a 2375 02:00:18.520 --> 02:00:21.800 couple weeks. I was talking to doctor Joel just yesterday, 2376 02:00:21.920 --> 02:00:25.039 or maybe it was two days ago. He's gotten people 2377 02:00:25.439 --> 02:00:27.920 that feel so much better in their feet. They can 2378 02:00:28.000 --> 02:00:30.680 walk again within a week or two, and then as 2379 02:00:30.760 --> 02:00:34.680 one or two months come by completely pain free walking. 2380 02:00:35.039 --> 02:00:37.640 I am not kidding on this This is a real deal. 2381 02:00:37.920 --> 02:00:42.239 It's an easy in office two hour procedure without the downtime. 2382 02:00:42.840 --> 02:00:46.319 Just get online, call up, ask the questions. But if 2383 02:00:46.319 --> 02:00:51.000 you're suffering from that painful foot neuropathy, this is the 2384 02:00:51.039 --> 02:00:54.079 real deal. It's stem cell therapy and these guys do 2385 02:00:54.159 --> 02:00:57.760 it the right way and it just solves the problem 2386 02:00:57.800 --> 02:01:01.960 in like nine out of ten people ask the questions. 2387 02:01:02.399 --> 02:01:06.760 Check him out at Denverregen dot com. That's Denver Region 2388 02:01:07.199 --> 02:01:15.159 dot com attorney Dan mackenzie. You know what he does. 2389 02:01:15.199 --> 02:01:19.640 He can do a state planning, lawsuit prevention, asset protection. 2390 02:01:19.920 --> 02:01:22.079 He can also do a simple will or a trust 2391 02:01:22.119 --> 02:01:25.239 power of attorneys. This guy is an estate planner and 2392 02:01:25.279 --> 02:01:28.920 he's great. That asset protection is very important. Maybe you 2393 02:01:29.000 --> 02:01:31.760 have parents that are getting elderly like I do, and 2394 02:01:31.840 --> 02:01:35.399 you start thinking about possibly medicaid and assets in the house. 2395 02:01:35.800 --> 02:01:40.279 Talk to Dan seven to zero eight two one seven 2396 02:01:40.520 --> 02:01:44.079 six zero four seven two zero eight two one seven 2397 02:01:44.279 --> 02:01:47.840 six zero four justin real quick, what is your comment 2398 02:01:47.880 --> 02:01:48.680 on AI. 2399 02:01:50.039 --> 02:01:52.520 And Arthur talking about this. I just want to bring 2400 02:01:52.520 --> 02:01:55.640 a few points up. There's been three stories and I'm, 2401 02:01:55.720 --> 02:01:58.079 you know, somewhat skeptical of a I understand it could 2402 02:01:58.119 --> 02:02:01.239 be really good for us. The last few months, they've 2403 02:02:01.279 --> 02:02:04.159 had reports where AI refused to turn itself off. Yeah, 2404 02:02:04.279 --> 02:02:05.479 it was given a direct command. 2405 02:02:05.479 --> 02:02:06.399 It's like determinator. 2406 02:02:07.720 --> 02:02:10.039 It's just like the terminative had one where targeted its 2407 02:02:10.039 --> 02:02:13.319 own chooser for missile defend, so it wouldn't turn off 2408 02:02:13.319 --> 02:02:15.880 and try to kill its own user in a theoretical scenario. 2409 02:02:16.079 --> 02:02:18.600 Yeah, of course they have one like a Skynet go 2410 02:02:18.680 --> 02:02:20.920 where they exactly. 2411 02:02:20.600 --> 02:02:22.600 They had one week ago where they gave it you 2412 02:02:22.600 --> 02:02:23.880 know again, fictional scenario. 2413 02:02:24.000 --> 02:02:25.039 Yeah, it's crazy. 2414 02:02:24.800 --> 02:02:28.279 Control of somebody's email and it tried to blackmail the person. 2415 02:02:28.439 --> 02:02:28.640 Here. 2416 02:02:28.680 --> 02:02:31.319 Here's the deal man, Uh, it is what it is. 2417 02:02:31.640 --> 02:02:34.600 The people that set it up on these models. It's 2418 02:02:34.640 --> 02:02:37.600 so smart. It can learn everything. It can go onto 2419 02:02:37.680 --> 02:02:40.920 the dark web, it can learn whatever. You know, some 2420 02:02:41.079 --> 02:02:42.600 of the things they don't. I got to put you 2421 02:02:42.640 --> 02:02:45.319 on hold there. I do appreciate that, justin, and some 2422 02:02:45.439 --> 02:02:47.760 of those stories I have read as well. And I 2423 02:02:47.800 --> 02:02:49.760 do believe the one on where it didn't want to 2424 02:02:49.760 --> 02:02:55.199 shut itself off, I believe that actually happened. AI in general, though, Uh, 2425 02:02:55.239 --> 02:02:57.239 you gotta love it. And what I mean by that 2426 02:02:57.399 --> 02:02:59.960 is we have no choice. You have to embrace it. 2427 02:03:00.079 --> 02:03:02.319 You don't have to love it, but it's not going 2428 02:03:02.359 --> 02:03:06.359 away under any circumstances of going away. What we have 2429 02:03:06.439 --> 02:03:09.760 to do is figure out safety catches in there. But 2430 02:03:09.880 --> 02:03:12.920 once again, if it's coming out of China, there might 2431 02:03:12.960 --> 02:03:15.159 be a model. In fact, I think it's called I 2432 02:03:15.199 --> 02:03:18.119 forget what their model is, but you can probably do 2433 02:03:18.239 --> 02:03:21.319 anything in the US with it. But if you're in China, 2434 02:03:21.399 --> 02:03:23.760 it's not going to do any negative to the regime. 2435 02:03:24.199 --> 02:03:26.640 So it is what it is. You have to embrace 2436 02:03:26.680 --> 02:03:30.640 it because there's no other choice at this point. But yeah, 2437 02:03:30.680 --> 02:03:33.640 it's scary as hell, there is no doubt about it. 2438 02:03:33.920 --> 02:03:36.840 That is one scary thing. Hey, we've got an update 2439 02:03:36.880 --> 02:03:40.319 on relaxium. Lady called up, said, all of a sudden, 2440 02:03:40.399 --> 02:03:44.640 six bottles of relaxium. It's sold by what's that guy's name, 2441 02:03:44.680 --> 02:03:46.119 Michael Hancabee. 2442 02:03:45.680 --> 02:03:48.640 For governor, Yeah, for mencial candidate. 2443 02:03:48.399 --> 02:03:51.239 And candidate it showed up. They charged her credit card 2444 02:03:51.279 --> 02:03:53.920 one hundred and seventy nine bucks. She's like, we have 2445 02:03:54.000 --> 02:03:57.960 not dealt with relaxium for five years. Apparently in twenty 2446 02:03:58.000 --> 02:04:00.880 twenty they ordered some. It didn't work. They haven't thought 2447 02:04:00.920 --> 02:04:03.880 about it again. Bo, you called up, would we find out. 2448 02:04:04.039 --> 02:04:07.680 Yeah, they're very nice company. Just real quick. My cook 2449 02:04:07.720 --> 02:04:09.279 could be answered and talked to me. 2450 02:04:09.520 --> 02:04:12.680 Oh, shut it, no, I'd be so impressed. If that 2451 02:04:12.880 --> 02:04:13.760 was I'd be funny. 2452 02:04:13.800 --> 02:04:16.479 He was on the voicemail. So I talked to Woody, 2453 02:04:16.800 --> 02:04:22.199 explained the situation. Apparently Barbara ordered this six bottles in 2454 02:04:22.239 --> 02:04:26.119 September twenty twenty four. I said that was too long 2455 02:04:26.359 --> 02:04:30.039 her her husband passed away. She doesn't need this relaxing 2456 02:04:30.159 --> 02:04:31.000 product anymore. 2457 02:04:31.119 --> 02:04:32.000 She's in her nineties. 2458 02:04:32.600 --> 02:04:34.920 They were very nice. They had canceled the order. 2459 02:04:35.159 --> 02:04:35.439 Love it. 2460 02:04:35.520 --> 02:04:38.880 They're getting a charge back her credit card. And they 2461 02:04:38.960 --> 02:04:43.079 said that she could keep the product. So I called Barbara. 2462 02:04:42.800 --> 02:04:44.520 And I said, she got freebie. 2463 02:04:44.640 --> 02:04:45.119 She can. 2464 02:04:45.439 --> 02:04:47.399 She said, I don't know what to do with it, 2465 02:04:47.439 --> 02:04:49.079 and I said, we'll give it to your neighbor, or 2466 02:04:49.119 --> 02:04:49.960 take it to good will. 2467 02:04:49.880 --> 02:04:51.920 Or I'll take a bottle of it she lived. 2468 02:04:52.119 --> 02:04:53.720 If she lived in Denver, i'd pick it up. 2469 02:04:53.840 --> 02:04:54.000 Yeah. 2470 02:04:54.039 --> 02:04:56.359 I've always been curious if it works or not. I 2471 02:04:56.399 --> 02:05:01.199 mean anything like that. But anyhow, great job, Bo, great job. 2472 02:05:01.239 --> 02:05:05.560 I'll make sure Tom gives you his digger. More coming 2473 02:05:05.640 --> 02:05:13.199 up right, Listen, I want to talk to become the 2474 02:05:13.239 --> 02:05:16.479 banker you guys have a webinar coming up real soon. 2475 02:05:16.520 --> 02:05:18.760 And here's what I love about these guys. I'm not kidding. 2476 02:05:18.960 --> 02:05:22.319 If you want guaranteed results in your retirement and look, 2477 02:05:22.359 --> 02:05:24.840 an annuity might not be right for an eighty year old, 2478 02:05:24.920 --> 02:05:28.039 but diversifying when you're younger or all the way up 2479 02:05:28.039 --> 02:05:30.680 to when you're thinking of retiring it can be a 2480 02:05:30.800 --> 02:05:34.119 very smart move. The stock market's not going to affect it. 2481 02:05:34.439 --> 02:05:37.000 You're going to get a guaranteed amount of money every 2482 02:05:37.039 --> 02:05:40.239 month to the day you die. It's got some great benefits, 2483 02:05:40.279 --> 02:05:43.359 like a fifteen percent bonus. If you're fifty years old 2484 02:05:43.439 --> 02:05:46.039 right now and do one hundred thousand maybe out of 2485 02:05:46.079 --> 02:05:48.199 a four to oh one k, you can transfer it over, 2486 02:05:48.319 --> 02:05:52.000 no tax implications, none of that, and you get a 2487 02:05:52.000 --> 02:05:55.680 fifteen percent bonus, So that one hundred thousand immediately is 2488 02:05:55.720 --> 02:05:59.720 worth one hundred and fifteen thousand. That starts growing and growing. 2489 02:05:59.760 --> 02:06:02.840 When a stock market goes up, you make more money 2490 02:06:02.840 --> 02:06:06.119 that year. When the stock market goes down, you never 2491 02:06:06.199 --> 02:06:10.119 lose a dime. It ratchets in when it starts going down, 2492 02:06:10.159 --> 02:06:12.800 and you don't lose a nickel. Then when you decide 2493 02:06:12.800 --> 02:06:15.479 to retire, we had a guy today called Jordan. 2494 02:06:16.000 --> 02:06:17.479 Okay, he had listen to this. 2495 02:06:17.920 --> 02:06:20.840 He's got Social Security of about thirty eight hundred a 2496 02:06:20.840 --> 02:06:23.840 month and he's seventy years old. He works part time 2497 02:06:24.359 --> 02:06:27.039 at he's one of the people that check the receipt 2498 02:06:27.079 --> 02:06:30.000 when you leave Costco. So he's got that job where 2499 02:06:30.039 --> 02:06:33.560 he's making a couple grand. When he's done with that job, 2500 02:06:33.600 --> 02:06:35.479 and he you know, he might want to do that 2501 02:06:35.600 --> 02:06:37.800 job till he can't absolutely, I mean, he might do 2502 02:06:37.840 --> 02:06:41.199 it another ten years. So when he was talking about 2503 02:06:41.199 --> 02:06:43.479 an annuity and he'd get it now for roughly I 2504 02:06:43.520 --> 02:06:46.199 think it was two hundred thousand or one hundred thousand, 2505 02:06:46.199 --> 02:06:48.520 whatever it was going to be, and he would get 2506 02:06:48.520 --> 02:06:52.840 that immediate fifteen percent and then it grows and then 2507 02:06:52.920 --> 02:06:55.640 when he does retire and he doesn't have that income 2508 02:06:55.680 --> 02:06:59.600 from Costco anymore, this would actually take over that income. 2509 02:07:00.239 --> 02:07:02.680 I mean, basically, he's like buying a job that he 2510 02:07:02.720 --> 02:07:03.680 doesn't have to go to. 2511 02:07:03.800 --> 02:07:05.960 It's making that money work for you. You're able to 2512 02:07:06.000 --> 02:07:08.239 have that money pay and if you. 2513 02:07:08.239 --> 02:07:10.720 Can't lose principle, that's the part a lot of people, 2514 02:07:10.800 --> 02:07:14.640 especially seniors or they're getting ready to retire. You can't 2515 02:07:14.800 --> 02:07:17.640 lose money and if they die. What happens if they 2516 02:07:17.680 --> 02:07:20.359 die before they turn on any of it. Let's say 2517 02:07:20.399 --> 02:07:24.199 ghost there one hundred thousand at fifty, at fifty years old, 2518 02:07:24.680 --> 02:07:27.039 and now all of a sudden they're seventy years old, 2519 02:07:27.079 --> 02:07:29.319 they decide to turn on the income and they die. 2520 02:07:29.560 --> 02:07:30.159 What happens. 2521 02:07:30.279 --> 02:07:32.920 That money will go to their beneficiaries, whether it be the. 2522 02:07:32.840 --> 02:07:35.239 Spouse first value of the full. 2523 02:07:35.119 --> 02:07:38.199 Value, or can go to kids. Unlike regularly one penny 2524 02:07:39.159 --> 02:07:41.920 full value, if that hundred thousand is now worth three 2525 02:07:42.000 --> 02:07:44.439 hundred thousand, they get three hundred. 2526 02:07:44.159 --> 02:07:46.039 Thirs hud grand paid out. And on top of that, 2527 02:07:46.079 --> 02:07:48.000 we also hit on the long term care. You know, 2528 02:07:48.039 --> 02:07:50.359 for anybody who's looking at this, this is going to 2529 02:07:50.359 --> 02:07:52.239 give you that paycheck, just like the gentleman who works 2530 02:07:52.239 --> 02:07:56.000 with costco payout get income. But then of course life happens. 2531 02:07:56.039 --> 02:07:58.920 We need health care, we need health benefits. This has 2532 02:07:59.079 --> 02:08:00.960 long term care built into it so that they can 2533 02:08:01.039 --> 02:08:03.880 have a double pay house or at a facility, and 2534 02:08:03.920 --> 02:08:06.600 it'll pay two times whatever that paycheck is to help 2535 02:08:06.680 --> 02:08:08.239 cover those costs. 2536 02:08:07.760 --> 02:08:10.640 Here's what I love about these guys. You know, numbers 2537 02:08:10.640 --> 02:08:14.119 are numbers. Math does not lie. Call them up, say 2538 02:08:14.119 --> 02:08:17.199 I'm sixty years old. I'm seventy years old, and here's 2539 02:08:17.199 --> 02:08:20.279 what I got right now. I was thinking of getting annuity. Now, 2540 02:08:20.319 --> 02:08:23.159 First of all, I'll say this diversify. I would never 2541 02:08:23.239 --> 02:08:26.920 put all my money into an annuity period, end of story. 2542 02:08:27.239 --> 02:08:30.239 But let's say you need two thousand dollars a month 2543 02:08:30.239 --> 02:08:33.239 to live on. Forget about traveling and stuff. Your house 2544 02:08:33.359 --> 02:08:35.520 is paid off, you got a reverse mortgage. You need 2545 02:08:35.520 --> 02:08:38.119 about two grand a month to live off of. This 2546 02:08:38.279 --> 02:08:41.720 product is perfect, perfect, Or if it's ten grand a month, 2547 02:08:41.760 --> 02:08:44.920 it doesn't matter, because you will be guaranteed that much 2548 02:08:45.079 --> 02:08:47.640 money till the day you die. But call up and 2549 02:08:47.680 --> 02:08:50.640 ask the numbers. The one that's always been extraordinary to 2550 02:08:50.680 --> 02:08:53.119 me is a twenty year old. Listen to this, twenty 2551 02:08:53.199 --> 02:08:56.960 year old grandparents listen to me, a twenty year old 2552 02:08:57.880 --> 02:09:01.159 ten thousand dollars when they RETI I think we use 2553 02:09:01.239 --> 02:09:04.600 the age seventy or sixty nine, whatever it was, they. 2554 02:09:04.399 --> 02:09:05.680 Have a million dollars. 2555 02:09:05.960 --> 02:09:09.039 Can you imagine looking back going first of all, the 2556 02:09:09.079 --> 02:09:12.439 grandparents dead or they're the oldest person in the world. 2557 02:09:12.800 --> 02:09:14.600 But think about it. You go to retire. 2558 02:09:14.680 --> 02:09:17.560 Now, all of a sudden, you're you're sixty nine and 2559 02:09:17.600 --> 02:09:22.439 you find out that your grandmother left you a million dollars. 2560 02:09:22.720 --> 02:09:26.479 Setup for success, I mean setup for success. I love it. Listen, 2561 02:09:26.600 --> 02:09:30.880 check these guys out. My Money Myway dot com. Get 2562 02:09:30.920 --> 02:09:34.239 signed up for that webinar. It's absolutely free. It's coming 2563 02:09:34.319 --> 02:09:38.319 up on Tuesday at five thirty pm next week My 2564 02:09:38.520 --> 02:09:41.359 Money Myway dot com or call them three oh three 2565 02:09:41.760 --> 02:09:45.640 seven seven nine sixty six hundred three oh three, seven 2566 02:09:45.760 --> 02:09:49.960 seven nine sixty six hundred everybody three oh three. Martina 2567 02:09:50.000 --> 02:09:52.640 works on and off the air. Help Troubleshooter dot com. 2568 02:09:52.680 --> 02:09:57.560 See you tomorrow. Follow Tom Martino at Real Tom Martino. 2569 02:09:57.399 --> 02:09:59.720 And stay connected with all of us at six thirty 2570 02:09:59.800 --> 02:10:02.800 k AP kayhow dot com and on the iHeartRadio app. 2571 02:10:03.239 --> 02:10:06.439 This is Denver's top station, six point thirty KHU