WEBVTT 1 00:00:05.280 --> 00:00:10.759 Ripped up mad news need advice, so you don't. 2 00:00:10.519 --> 00:00:15.279 Have come Running's just as fast as you can. 3 00:00:16.519 --> 00:00:18.640 Shooter's gonna help coming. 4 00:00:19.039 --> 00:00:19.640 Man. 5 00:00:20.000 --> 00:00:26.480 This is the Troubleshooter Show. No Tom Martino, Hello, Tom 6 00:00:26.559 --> 00:00:30.920 Martino here, Welcome to the show. Three O three seven 7 00:00:31.000 --> 00:00:33.840 one three talk three oh three seven one three eight 8 00:00:33.920 --> 00:00:34.799 two five five. 9 00:00:34.920 --> 00:00:36.320 What's going on in your life? 10 00:00:36.600 --> 00:00:38.719 Well? I posted part of what I talked about on 11 00:00:38.759 --> 00:00:41.960 the show yesterday about drones and h what I called 12 00:00:42.079 --> 00:00:44.320 a DSB. I don't want to get technical, but it's 13 00:00:44.359 --> 00:00:46.039 a beacon that we all have to have on our 14 00:00:46.079 --> 00:00:48.960 plane that broadcast where we are, when we are, how 15 00:00:49.000 --> 00:00:51.320 we are, who we are, all of it, and it 16 00:00:51.399 --> 00:00:53.840 all goes out automatically. As soon as you turn your 17 00:00:53.840 --> 00:00:57.520 plane on, it goes out automatically. Uh and uh every 18 00:00:57.560 --> 00:01:00.159 plane in America, from crop duster to airliner has to 19 00:01:00.159 --> 00:01:02.719 have one on there. And all I said was this, 20 00:01:03.240 --> 00:01:07.400 How silly and stupid can it be not to require 21 00:01:07.439 --> 00:01:09.560 that for drones? Drones or aircraft, no matter how you 22 00:01:09.560 --> 00:01:12.000 look at it, flying the same airspace, even though they're 23 00:01:12.000 --> 00:01:14.560 not allowed in certain airspaces, how would you ever know? 24 00:01:14.920 --> 00:01:17.560 There's no way to identify them, There's no identified and 25 00:01:17.920 --> 00:01:23.319 identifiable end number and electronically, that's what ADSB does. It 26 00:01:23.439 --> 00:01:26.159 sends out a signal twenty four to seven whenever the 27 00:01:26.159 --> 00:01:28.959 plane's on, where you are and who you are, and 28 00:01:28.959 --> 00:01:32.599 what height you're at and all that, it sends it out. Now, now, 29 00:01:32.719 --> 00:01:35.680 transponders are not like that. Transponders are just when they're 30 00:01:35.719 --> 00:01:39.400 swept by radar, they echo. That's what a transponder does. 31 00:01:39.680 --> 00:01:43.319 And radar does not cover the entire United States. So 32 00:01:43.359 --> 00:01:48.879 when you're out about flying around, you don't know who's there. 33 00:01:49.400 --> 00:01:50.599 Now, here's the other thing. 34 00:01:51.239 --> 00:01:53.480 Even if you have radar on a tower, they can 35 00:01:53.480 --> 00:01:56.599 see the drones, but it doesn't identify them. The only 36 00:01:56.640 --> 00:01:59.280 time you're identified is if you have a transponder or 37 00:01:59.480 --> 00:02:04.840 ads B that ADSB beacon. So it's a very simple thing. 38 00:02:05.040 --> 00:02:08.120 If you're gonna fly around ADSB, why well why not? 39 00:02:08.680 --> 00:02:12.479 I mean, truly, it's such a simple solution. And then 40 00:02:12.599 --> 00:02:15.159 register the damn things. People say they are registered, No 41 00:02:15.199 --> 00:02:18.039 they're not, not the way aircraft are. Just register them 42 00:02:18.280 --> 00:02:21.439 and have an ads becon. And therefore every time you 43 00:02:21.479 --> 00:02:24.360 see one, every single time you see one, you can 44 00:02:24.360 --> 00:02:29.000 tell who owns it and all about it. Okay, that's 45 00:02:29.080 --> 00:02:32.400 my two cents. Let's keep going. Three oh three seven 46 00:02:32.479 --> 00:02:34.400 one three talkers our number seven one three eight two 47 00:02:34.520 --> 00:02:38.919 five five Katschina, Shannon. Who's in the studio anybody today? Yes, 48 00:02:38.960 --> 00:02:42.960 we have I have. We have Deputy Dollar, Deputy Dollar, 49 00:02:43.039 --> 00:02:45.240 thanks for being there. We got Depety d over here, 50 00:02:46.719 --> 00:02:51.800 good and Deputy d over here and booh booms, oh okay, 51 00:02:51.840 --> 00:02:55.319 well thanks, uh she overlooked you there, bo Deputy Bow, 52 00:02:55.400 --> 00:02:59.680 Deputy Dollar, Deputy D. And we have Joe Canno on 53 00:02:59.680 --> 00:03:01.919 the phone with my Money Myway dot Com. We'll get 54 00:03:01.960 --> 00:03:04.719 to in a minute here. He's talking about, you know, 55 00:03:05.080 --> 00:03:07.280 putting your financial house in order as you get older. 56 00:03:07.759 --> 00:03:10.520 But Samantha's got to near you right now with something 57 00:03:10.560 --> 00:03:16.080 we hear about all the time. And I want to 58 00:03:16.120 --> 00:03:17.960 be jaded. I don't want you to think I don't care. 59 00:03:18.319 --> 00:03:21.960 There are cases where this is a true, real issue, Samantha. 60 00:03:22.039 --> 00:03:26.680 What's going on with you? Hello, Samantha, I'm Tom Martino him. 61 00:03:28.080 --> 00:03:30.280 I'll talked to you a few times, but this issue 62 00:03:30.319 --> 00:03:34.039 is really kind of big to me. We have an 63 00:03:34.080 --> 00:03:40.159 infestation of black mode and it is so bad that 64 00:03:40.280 --> 00:03:41.520 it is at one end. 65 00:03:41.439 --> 00:03:42.759 Of my town home too. 66 00:03:43.800 --> 00:03:48.080 There's like four or five town homes connected, and I 67 00:03:48.120 --> 00:03:48.960 live on the coal. 68 00:03:48.800 --> 00:03:51.360 Is Wait wait, wait, what have you talked to me 69 00:03:51.400 --> 00:03:54.080 about before? Dear? What what have we talked about before? 70 00:03:54.719 --> 00:03:57.199 I had a missing daughter at one point in time 71 00:03:57.319 --> 00:03:58.680 that was missing back. 72 00:03:58.479 --> 00:04:03.560 Okay, sixteen okay, So anyway, you're in an apartment. How long? 73 00:04:03.680 --> 00:04:05.520 How long have you been in this How long have 74 00:04:05.560 --> 00:04:06.680 you been in this apartment? 75 00:04:07.639 --> 00:04:10.479 I've been there for about six months. I've been there 76 00:04:10.479 --> 00:04:11.120 since June. 77 00:04:12.520 --> 00:04:14.960 Okay, And when did you notice it? 78 00:04:16.040 --> 00:04:18.480 In every shelving in it? So I used to like 79 00:04:18.480 --> 00:04:21.519 a starge coboard. I went to go clean it one 80 00:04:21.600 --> 00:04:24.800 day to pull it out, to try to get shelves 81 00:04:24.839 --> 00:04:27.519 put in the coboard for me to store my food, 82 00:04:28.040 --> 00:04:32.759 and I smelled a awful odor of mold. I look 83 00:04:33.000 --> 00:04:35.959 up at the top of my cilling and it is 84 00:04:36.120 --> 00:04:38.600 invested with black mold. 85 00:04:38.920 --> 00:04:40.800 So I started discussing. 86 00:04:40.439 --> 00:04:44.319 The whole house. I couldn't figure out why me and 87 00:04:44.360 --> 00:04:49.639 my son can't breathe. We have respiratory problems, and every 88 00:04:49.720 --> 00:04:52.160 time we turn the heat on, you can smell mold 89 00:04:52.199 --> 00:04:55.399 in the heat. When you run the water, you can 90 00:04:55.519 --> 00:04:57.160 smell mold in the water. 91 00:04:58.000 --> 00:05:02.360 I have Samantha, did you you do Oh wait, wait 92 00:05:02.399 --> 00:05:04.399 wait you had the health department come out. 93 00:05:05.160 --> 00:05:07.600 I had the health department come out. And the guy 94 00:05:08.079 --> 00:05:08.959 who came out. 95 00:05:08.959 --> 00:05:12.040 Used to work for the Coalition for the Homeless and 96 00:05:12.079 --> 00:05:13.000 he knew who'll owned. 97 00:05:13.040 --> 00:05:15.360 Well, well, hold on in a nutshell. What did they form? 98 00:05:16.920 --> 00:05:22.199 They popped sixty percent moisture with black mole? 99 00:05:23.600 --> 00:05:26.000 Now, okay, but what did they say? Did they condemn 100 00:05:26.040 --> 00:05:26.480 the place? 101 00:05:27.319 --> 00:05:31.839 They gave the eight issue management thirty day orders. Now 102 00:05:31.920 --> 00:05:35.040 it's been a week and management has not yet to 103 00:05:35.079 --> 00:05:37.040 come knock on my door and say, hey, when can 104 00:05:37.079 --> 00:05:37.680 we said it time? 105 00:05:37.759 --> 00:05:41.199 Okay? So what what did they say? Though? 106 00:05:41.279 --> 00:05:45.199 What did they say about the order? 107 00:05:45.519 --> 00:05:46.120 In the order? 108 00:05:46.199 --> 00:05:48.439 I mean, what did they say? What did they order? 109 00:05:49.560 --> 00:05:54.680 They ordered management thirty days to fixt the issue, okay? 110 00:05:54.839 --> 00:05:58.639 And what health department was? What health department? What health department? 111 00:05:58.879 --> 00:05:59.600 Public health? 112 00:06:01.040 --> 00:06:02.399 Okay? Okay. 113 00:06:02.600 --> 00:06:06.120 So now it's only been a week, It's. 114 00:06:06.000 --> 00:06:06.759 Only about a week. 115 00:06:06.800 --> 00:06:09.519 But I spoke to a woman who was on oxygen 116 00:06:09.720 --> 00:06:13.639 at the opposite end of my building and I asked her, 117 00:06:13.839 --> 00:06:17.160 by any chance do you have black mold in your unit? 118 00:06:17.720 --> 00:06:21.079 She said, yes, I have complained to public Health lumors 119 00:06:21.079 --> 00:06:25.600 of time. I never had any problems with my house 120 00:06:25.800 --> 00:06:28.079 until I moved in this place, and now I am on. 121 00:06:28.160 --> 00:06:31.639 Oxygen with my son taking care of me. She said, 122 00:06:31.720 --> 00:06:34.319 all they did was come in and paint over the mold, 123 00:06:34.600 --> 00:06:35.240 and now. 124 00:06:35.040 --> 00:06:36.800 She has to have her lungs tested. 125 00:06:38.240 --> 00:06:43.439 Okay, Samantha, I want to get our expert on about this. 126 00:06:44.319 --> 00:06:46.959 Did you have any mold sport testing done in the air. 127 00:06:48.279 --> 00:06:52.160 They did not test my mold, but they complainly clearly 128 00:06:52.279 --> 00:06:53.920 see it was black mold. 129 00:06:54.160 --> 00:06:58.800 Okay, let me explain, Samantha. Samantha, I get it. I 130 00:06:58.800 --> 00:07:01.360 get it. You're infested with black mold. But let me 131 00:07:01.399 --> 00:07:04.319 explain something. Whether you like it or not, whether anyone 132 00:07:04.439 --> 00:07:09.560 likes it or not, black mold, the appearance and the 133 00:07:09.639 --> 00:07:14.279 presence of black mold is not a health risk unless 134 00:07:14.759 --> 00:07:18.240 you touch it or it's in the air. We don't, 135 00:07:18.439 --> 00:07:20.240 but I think it might be in the air if 136 00:07:20.240 --> 00:07:23.319 you said, you smell it when you turn on the heat. 137 00:07:23.600 --> 00:07:25.680 So hold on, put on, hold. She's I don't know 138 00:07:25.759 --> 00:07:28.079 if she's rustling around. I have no idea if she's 139 00:07:28.120 --> 00:07:32.079 on a carnival ride. Thank you. Let's get Mark Shamanskian 140 00:07:32.199 --> 00:07:35.319 to talk about this to see what's happening. Look, black 141 00:07:35.319 --> 00:07:37.839 mold's not a picnic. Now, I would say nine out 142 00:07:37.839 --> 00:07:41.319 of ten times the black mold is not an issue. 143 00:07:41.480 --> 00:07:43.079 But it is an issue because. 144 00:07:42.839 --> 00:07:45.439 It's there and it's disgusting and you have to have 145 00:07:45.480 --> 00:07:48.319 it cleaned because you can't touch it and you can't 146 00:07:48.319 --> 00:07:51.120 disturb it, so you don't want it there. You definitely 147 00:07:51.160 --> 00:07:56.240 want to eradicate it. But eradicating it sometimes, Samantha, whether 148 00:07:56.279 --> 00:07:59.120 you like it or not, is painting over it. That's right. 149 00:07:59.439 --> 00:08:02.199 You kill it and then you paint over it and 150 00:08:02.279 --> 00:08:04.319 people think, oh no, we got to take the whole 151 00:08:04.319 --> 00:08:08.839 house down to bear studs. I mean, that's just not true. Now, 152 00:08:08.879 --> 00:08:11.839 if we can't get Mark Schimansky, we can try rock 153 00:08:12.000 --> 00:08:19.160 over at Let's see our restorate American Restoration. To thank you, 154 00:08:19.199 --> 00:08:21.879 that was a Biden moment. Isn't that terrible? We're forever 155 00:08:21.959 --> 00:08:25.279 going to have Biden moments now he's gonna be synonymous 156 00:08:25.279 --> 00:08:31.480 with this. Well anyway, thank you. Okay, when I have 157 00:08:31.480 --> 00:08:34.120 a Biden moment, you have permission to play that, and 158 00:08:34.159 --> 00:08:36.240 then I'm going to sue you in my lawsuit for 159 00:08:36.799 --> 00:08:40.320 making fun of people at risk in a hostile work environment. 160 00:08:42.000 --> 00:08:42.840 That's what it is. 161 00:08:42.919 --> 00:08:43.840 Cash in baby. 162 00:08:44.000 --> 00:08:47.240 Hey, on a serious note, now, I'm gonna go to Dwayne. 163 00:08:47.279 --> 00:08:49.600 After the break, we got Joe Kiano with us. Joe, 164 00:08:49.639 --> 00:08:52.159 if you had to sum up your message in two sentences, 165 00:08:52.159 --> 00:08:54.120 how would you do it? 166 00:08:54.440 --> 00:09:00.240 Shafety and growth safety? Okay, what we do have to 167 00:09:00.240 --> 00:09:03.440 become the banker. We offer a safety for people not 168 00:09:03.519 --> 00:09:07.120 to lose their money and also growth potential for people 169 00:09:07.159 --> 00:09:08.960 to want to grow their nest egg. 170 00:09:10.879 --> 00:09:14.440 And it gets more and more appropriate as you get older. 171 00:09:14.759 --> 00:09:15.279 Of course. 172 00:09:15.480 --> 00:09:17.720 Well, I want to ask something that I've never asked before, 173 00:09:17.759 --> 00:09:21.720 and I want you to calculate something. What if when 174 00:09:21.759 --> 00:09:24.440 your baby's born? And I'm serious, this is something that 175 00:09:24.879 --> 00:09:27.200 you know people don't think about. But let's say your 176 00:09:27.240 --> 00:09:31.600 baby's born, and you get presents, and you get cards 177 00:09:31.639 --> 00:09:34.799 and checks. Maybe let's say you can squirrel away five 178 00:09:34.919 --> 00:09:39.720 grand for a baby. Now, nobody would normally think of 179 00:09:39.759 --> 00:09:43.720 a fixed indextinuity for a baby, but they buy savings bonds, 180 00:09:43.759 --> 00:09:44.559 which are crap. 181 00:09:44.840 --> 00:09:46.000 So let's talk about it. 182 00:09:46.360 --> 00:09:49.240 I want to know if there's a baby who puts 183 00:09:49.279 --> 00:09:54.879 away five grand, what happens at sixty? I'm just curious. 184 00:09:55.120 --> 00:09:57.200 Do you think those numbers are impossible to run. 185 00:09:58.600 --> 00:10:01.039 No, I can do wor it is five grand? 186 00:10:01.159 --> 00:10:03.360 Wait wait, you might tell me, wait, five grand might 187 00:10:03.399 --> 00:10:04.440 be too small, is it? 188 00:10:05.399 --> 00:10:07.679 No? I think it's I think it's perfect. You can see. 189 00:10:07.720 --> 00:10:10.919 The solution for that would be that becomes a banker 190 00:10:11.039 --> 00:10:17.320 life insurance policy. It offers growth guarantees, and it will 191 00:10:17.399 --> 00:10:23.039 actually become a beautiful nest egg for that baby when 192 00:10:23.080 --> 00:10:25.840 that baby becomes twenty, okay. 193 00:10:25.639 --> 00:10:27.879 Thirty, I get it. Can you convert that? Can you 194 00:10:27.919 --> 00:10:30.600 ever convert that over to an annuity? Or there's no 195 00:10:30.679 --> 00:10:31.000 need to? 196 00:10:31.759 --> 00:10:33.480 Well, a lot of people, do you know a lot 197 00:10:33.519 --> 00:10:36.759 of people start young with an overfunded life insurance policy, 198 00:10:37.120 --> 00:10:39.759 and when they become sixty five and they want to retire, 199 00:10:40.120 --> 00:10:42.080 you can take the lump sum of money from the 200 00:10:42.159 --> 00:10:47.120 life insurance policy and actually create an immediate annuity, just 201 00:10:47.159 --> 00:10:50.600 like Deputy Duck has an immediate annuity that will pay 202 00:10:50.639 --> 00:10:53.080 out each and every month for the rest of the 203 00:10:53.320 --> 00:10:55.039 person's life. 204 00:10:55.320 --> 00:10:58.159 Okay, Then another question, if you do have a baby 205 00:10:58.200 --> 00:11:00.440 and you want to start an annuity, you kind of 206 00:11:00.480 --> 00:11:02.600 shied away from the five grand saying it would be 207 00:11:02.600 --> 00:11:05.919 better for become the banker overfunding life insurance. What would 208 00:11:05.960 --> 00:11:09.039 be the amount you would have to put in to 209 00:11:09.080 --> 00:11:10.320 start an annuity for a. 210 00:11:10.240 --> 00:11:14.960 Baby ten thousand dollars seek and I want to do 211 00:11:15.120 --> 00:11:17.320 locked up? Yeah? 212 00:11:17.399 --> 00:11:19.919 Well I know, but let's just say if it's a 213 00:11:19.960 --> 00:11:22.039 baby and you just put ten grand away, what would 214 00:11:22.080 --> 00:11:24.919 happen like when the baby's older? I mean, do they 215 00:11:24.919 --> 00:11:26.840 have to be sixty five to a new attize it? 216 00:11:26.919 --> 00:11:29.240 Or can they be fifty to fifty five? How old? 217 00:11:29.919 --> 00:11:32.279 Well they can be after ten years? You know they 218 00:11:32.279 --> 00:11:36.000 can when this becomes twenty two or twenty that they 219 00:11:36.000 --> 00:11:38.159 can annew it tyson ten years old. 220 00:11:38.279 --> 00:11:40.720 Yeah, but let's talk about let's talk about a really 221 00:11:40.840 --> 00:11:43.360 long time. I want to know if somebody puts ten 222 00:11:43.399 --> 00:11:47.000 grand away for their baby in an annuity with a bonus, 223 00:11:47.240 --> 00:11:51.720 what will it be at age fifty and age sixty 224 00:11:52.480 --> 00:11:55.279 and sixty five? I think it would be great if 225 00:11:55.279 --> 00:11:57.879 you could have someone run those numbers. I'm Tom Martinez. 226 00:11:57.879 --> 00:11:59.840 We have more coming up on The Troubleshooter Show. Three 227 00:12:00.120 --> 00:12:06.840 three seven, one three A two five five Go with 228 00:12:06.879 --> 00:12:10.480 a sure Thing Denver's Best Roofer Excel roofing dot com. 229 00:12:10.519 --> 00:12:12.519 You don't pay a cent until you're content. 230 00:12:15.919 --> 00:12:19.080 Time for an insurance check up free no obligation comparison 231 00:12:19.240 --> 00:12:22.799 call Compass Insurance paying too much your coverage at dozens 232 00:12:22.799 --> 00:12:25.519 of insurance companies find out now three oh three seven 233 00:12:25.639 --> 00:12:28.440 seven to one. Help. You'll think you're his only customer 234 00:12:28.480 --> 00:12:30.720 when you choose Frank durand the real estate Man dot 235 00:12:30.759 --> 00:12:34.080 com to list your home with Remax Alliance three oh 236 00:12:34.120 --> 00:12:46.399 three nine two zero sixteen twenty two. Hi Tom Martino, 237 00:12:47.440 --> 00:12:50.960 your troubleshooter three oh three seven one three talks seven 238 00:12:51.000 --> 00:12:51.600 one three. 239 00:12:51.600 --> 00:12:53.639 Eight two five five. 240 00:12:53.759 --> 00:12:59.600 Okay, Now we have Mark Schamanski with us from Genesis 241 00:12:59.679 --> 00:13:03.679 Total Exteriors dot Com. Now, Mark's a friend and I've 242 00:13:03.679 --> 00:13:06.759 been I've known him for many years. Now I'll explain. 243 00:13:06.840 --> 00:13:09.559 He does all kinds of exterior stuff, roofing, gutter, siding, 244 00:13:09.919 --> 00:13:15.039 sophist facial windows, siding, and I said, signing, decks, painting, fences, 245 00:13:15.120 --> 00:13:19.720 everything right. But he also does mold mold remediation, and 246 00:13:19.759 --> 00:13:20.720 he does on the inside. 247 00:13:20.720 --> 00:13:24.279 He has that special going on. Now he'll replace your wooden. 248 00:13:24.000 --> 00:13:27.159 Doors your excuse me, your hollow doors with solid wood 249 00:13:27.159 --> 00:13:30.039 doors and he'll do two for one on that, or 250 00:13:30.080 --> 00:13:32.440 he can place or if you also want, he can 251 00:13:32.480 --> 00:13:37.000 do your your balusters and your railings from wood to metal, 252 00:13:37.320 --> 00:13:40.399 any part of them. So so he's all around, right. 253 00:13:40.480 --> 00:13:43.200 So I've leaned on him a lot as my expert. 254 00:13:43.360 --> 00:13:46.679 I wanted to get that background. So Mark Schamansky, my 255 00:13:46.840 --> 00:13:50.480 question to you is very simple. She saw a lot 256 00:13:50.519 --> 00:13:55.480 of black mold. We've talked about this before. The actual 257 00:13:55.559 --> 00:13:59.440 presence of black mold no one wants. Obviously it's not 258 00:13:59.519 --> 00:14:02.000 all top they but no one wants it. But if 259 00:14:02.039 --> 00:14:04.679 it is toxic and it's on the wall and it 260 00:14:04.720 --> 00:14:10.360 hasn't been disturbed, it doesn't necessarily affect your health. I'm 261 00:14:10.360 --> 00:14:13.360 not saying we want it there. Obviously you can't touch 262 00:14:13.399 --> 00:14:16.279 it or disturb it, but the mere presence of the 263 00:14:16.320 --> 00:14:21.039 mold does not contaminate the air. Is that correct? 264 00:14:22.279 --> 00:14:25.879 Well, it just depends on the level of that mold. 265 00:14:26.000 --> 00:14:29.480 Is if once it gets fuzzy, you know, so you 266 00:14:29.639 --> 00:14:31.519 kill a little texture to it, and then there's a 267 00:14:31.559 --> 00:14:33.759 breezon there, there's spores. You're going everywhere. 268 00:14:33.799 --> 00:14:38.600 Tom Okay, got it. Now, what I want to know 269 00:14:38.759 --> 00:14:42.200 is if you kill it? Now, do you literally when 270 00:14:42.200 --> 00:14:44.440 you kill it, you also do you scrape it off 271 00:14:44.480 --> 00:14:47.120 and then kill it and then cover it? What do 272 00:14:47.159 --> 00:14:50.240 you do? It just depends on this first, you have 273 00:14:50.320 --> 00:14:51.799 to stop the food source. 274 00:14:51.600 --> 00:14:55.919 Right, right, and so then you know basically what you 275 00:14:56.120 --> 00:14:58.240 Most of the time what we do is we encapsulate it. 276 00:14:58.320 --> 00:15:00.360 But if it's not a dry wall, it's better to 277 00:15:00.360 --> 00:15:02.720 cut the drywall out and just put in a drywall there. 278 00:15:03.039 --> 00:15:05.440 And you know, by this ease you soak it with 279 00:15:05.480 --> 00:15:08.120 the different chemicals and such, and it's already in the 280 00:15:08.159 --> 00:15:08.960 into the drywall. 281 00:15:09.039 --> 00:15:12.120 It's just best to replace the drywall. You get to 282 00:15:12.159 --> 00:15:12.720 the wood. 283 00:15:12.559 --> 00:15:14.919 Studs of a house, well, then that's that's a lot 284 00:15:14.960 --> 00:15:17.919 more costly just to replace those. So that we usually 285 00:15:17.960 --> 00:15:21.080 go ahead and chemically treat it, encapsulate it, and then 286 00:15:21.120 --> 00:15:23.159 you can go on back and you'll put your drywall 287 00:15:23.240 --> 00:15:24.360 or whatever surface. 288 00:15:24.039 --> 00:15:24.399 You have on. 289 00:15:24.639 --> 00:15:26.519 Okay over that, then I understand. 290 00:15:26.559 --> 00:15:30.240 So, so you cut it out with the drywall, you 291 00:15:30.279 --> 00:15:34.799 cut it out, dispose of it, and with the with 292 00:15:34.879 --> 00:15:38.919 the wood, the studs or the floor joists, you kill 293 00:15:39.000 --> 00:15:40.320 it and cover it. 294 00:15:41.480 --> 00:15:46.480 Yeah, we can encapsulate it correct. So yeah, then it's 295 00:15:46.519 --> 00:15:50.000 it's yep, with a special chemical and you need to 296 00:15:50.000 --> 00:15:53.200 be gettin to use and then then basically then then 297 00:15:53.399 --> 00:15:55.440 you're able to cover that up with whatever. 298 00:15:55.919 --> 00:15:56.879 Yeah, maybe it's. 299 00:15:56.879 --> 00:15:59.720 Okay, it's over now when you do that. 300 00:15:59.799 --> 00:16:03.960 Yeah, yeah. Now, once you do that, does it then 301 00:16:04.000 --> 00:16:05.480 eventually clear out of the air? 302 00:16:07.159 --> 00:16:07.399 Yes? 303 00:16:07.879 --> 00:16:08.080 Yeah. 304 00:16:08.120 --> 00:16:10.519 What we do is you do it negative airflow in 305 00:16:10.559 --> 00:16:14.759 your house is basically causing all in affected area. You 306 00:16:15.120 --> 00:16:16.919 make a tunnel to the outside of the house, so 307 00:16:17.039 --> 00:16:19.720 all the all the more mold sports go out of 308 00:16:19.720 --> 00:16:21.799 the house when you're working in the area, so you're 309 00:16:21.799 --> 00:16:24.639 not contaminating rest of the house. You encapsulate that area 310 00:16:24.720 --> 00:16:27.799 with uh with plastic sheathing, you know, you make it 311 00:16:27.919 --> 00:16:31.120 like a little cocoon type situation that you're working in, 312 00:16:31.679 --> 00:16:33.759 and then you do a negative air into that so 313 00:16:34.080 --> 00:16:34.960 all the air goes out. 314 00:16:34.840 --> 00:16:35.480 Of one spot. 315 00:16:36.840 --> 00:16:42.159 Now, if you're after you encapsulate, then you also scrub 316 00:16:42.200 --> 00:16:44.000 the air just to make sure the air of the 317 00:16:44.000 --> 00:16:44.679 house is clean. 318 00:16:45.960 --> 00:16:49.240 Okay, Now, if you do all of this, that's pretty good. 319 00:16:49.600 --> 00:16:52.960 But it takes a while and it takes effort. So 320 00:16:54.279 --> 00:16:58.879 what I'd like to know is is it expensive? 321 00:17:01.600 --> 00:17:04.240 I mean, it can be if it's just a very 322 00:17:04.240 --> 00:17:07.799 small area, that's not so bad. But if the house 323 00:17:07.880 --> 00:17:10.400 is affected, it can it can become very expensive. 324 00:17:11.720 --> 00:17:15.680 Okay. The next thing, then you can't just go in 325 00:17:15.839 --> 00:17:18.240 and just cover it up. You got to do more 326 00:17:18.279 --> 00:17:20.359 than that. You got to kill it. Well, first you 327 00:17:20.400 --> 00:17:23.720 have to stop the source, which is water. Then you 328 00:17:23.880 --> 00:17:27.400 have to cover it, right, I mean kill it, and 329 00:17:27.400 --> 00:17:28.839 you kill it and then cover it. 330 00:17:29.039 --> 00:17:32.519 Cover Yeah, exactly, kill it then then cover it. I 331 00:17:32.519 --> 00:17:34.440 mean you should do it in a responsible way so 332 00:17:34.519 --> 00:17:38.039 you're not spreading the spores throughout a heavy concentration of 333 00:17:38.079 --> 00:17:39.680 spores throughout the space. 334 00:17:41.319 --> 00:17:45.960 Okay. So how much would a if she wanted to 335 00:17:46.000 --> 00:17:49.400 know about the air in her apartment, if it's making 336 00:17:49.400 --> 00:17:52.720 her sick, how would she be able? How would tell 337 00:17:52.759 --> 00:17:54.480 me about the test? Would it be expensive? 338 00:17:55.839 --> 00:17:58.240 So you know, we do a we do a three 339 00:17:58.559 --> 00:18:01.759 three area tests. One of when is your balance? That's 340 00:18:01.799 --> 00:18:04.920 that's done outside to see what it should read right 341 00:18:04.920 --> 00:18:07.759 inside your house, and then we do two other samples, 342 00:18:07.880 --> 00:18:10.359 usually inside the house. And that that costs for ninety nine. 343 00:18:11.960 --> 00:18:17.440 Okay, So thank you very much, Mark Schumansky, Genesis tootalexteriors 344 00:18:17.480 --> 00:18:20.759 dot com three zero three six seven nine eighty five 345 00:18:20.839 --> 00:18:27.480 zero nine. So Samantha very quickly here, it's probably contaminated 346 00:18:27.519 --> 00:18:30.440 your air, but it would what would really help you? 347 00:18:30.480 --> 00:18:33.559 Although the health department may have done tests already if 348 00:18:33.599 --> 00:18:36.799 they ordered it cleaned up. Did the Health Department do 349 00:18:36.920 --> 00:18:38.559 air sport tests in the. 350 00:18:38.559 --> 00:18:40.759 Air, No, they did not. 351 00:18:41.000 --> 00:18:43.359 They just put a machine up to the top of 352 00:18:43.400 --> 00:18:46.720 the ceiling and it said that it was reading sixty 353 00:18:46.799 --> 00:18:48.119 to sixty five percent. 354 00:18:49.759 --> 00:18:51.000 Well, what kind of machine? 355 00:18:52.400 --> 00:18:54.119 We had a little metal probe on it? 356 00:18:54.200 --> 00:18:54.319 Did? 357 00:18:54.319 --> 00:18:58.680 They stuck to the ceiling and as soon as they 358 00:18:58.759 --> 00:19:02.519 stuck it there by their sixty to sixty five percent, 359 00:19:03.160 --> 00:19:06.119 we will be ordering thirty day issues to have it fixed. 360 00:19:06.599 --> 00:19:10.359 Okay, Okay, Well, like I said, they took care of 361 00:19:10.400 --> 00:19:13.440 that anyway. So now what do you want since the 362 00:19:13.480 --> 00:19:16.319 Health Department ordered them to fix it? What do you 363 00:19:16.440 --> 00:19:17.880 need now from us? 364 00:19:20.079 --> 00:19:23.279 I just it's kind of ridiculous because this is not 365 00:19:23.440 --> 00:19:25.680 just the first segment that has been done on the 366 00:19:25.680 --> 00:19:31.079 Coalition day. I believe Channel nine had did a segment 367 00:19:31.119 --> 00:19:32.279 on the Coalition. 368 00:19:31.880 --> 00:19:32.160 Of in. 369 00:19:33.799 --> 00:19:36.240 Now when you say the wait, wait, when you say 370 00:19:36.599 --> 00:19:39.400 hold on, when you say the coalition, what are you 371 00:19:39.440 --> 00:19:40.640 talking about? The coalition? 372 00:19:40.720 --> 00:19:42.680 The Coalition for the homeless? 373 00:19:43.720 --> 00:19:44.039 Is that? 374 00:19:44.279 --> 00:19:46.359 What is this? How you got the apartment? 375 00:19:47.559 --> 00:19:53.039 Yes, I have Section eight housing through them. 376 00:19:51.799 --> 00:19:55.880 Okay since March, and it was through it was through 377 00:19:55.920 --> 00:20:03.319 the homeless and it was a session. Yes, oh well, 378 00:20:03.359 --> 00:20:05.440 that's at least nice that they're helping you to get 379 00:20:05.440 --> 00:20:09.160 a place. But like you said, you need to you 380 00:20:09.240 --> 00:20:13.160 need to get something that's not poisonous. And are they 381 00:20:13.200 --> 00:20:16.079 willing to do anything for you. 382 00:20:16.079 --> 00:20:18.480 No, they're not doing anything at all. They refuse to 383 00:20:18.519 --> 00:20:19.359 even look at it. 384 00:20:19.920 --> 00:20:33.480 Okay, guys, any ideas? Okay, everyone in the world who 385 00:20:33.519 --> 00:20:38.400 calls us on Section eight or on government housing has 386 00:20:38.480 --> 00:20:41.519 health issues, or their kids have health issues, or they're 387 00:20:41.559 --> 00:20:42.680 near death or something. 388 00:20:42.759 --> 00:20:45.279 Everyone they they don't seem to. 389 00:20:46.240 --> 00:20:49.319 That doesn't seem to light a fire under their ass. 390 00:20:49.160 --> 00:20:51.920 It just doesn't. I understand it. 391 00:20:51.960 --> 00:20:55.279 And I understand your concern and I would be too. 392 00:20:55.359 --> 00:20:57.480 And I'm and just because. 393 00:20:57.079 --> 00:21:00.640 You got housing from Section eight and the Coalition doesn't 394 00:21:00.680 --> 00:21:04.519 mean that you don't deserve at least safe housing for 395 00:21:04.559 --> 00:21:09.200 God's sakes, I get that, Samantha, And but the coalition 396 00:21:09.640 --> 00:21:14.000 should be doing something if truly the place they're putting 397 00:21:14.000 --> 00:21:19.880 you in is unsafe. So if you need to leave there, 398 00:21:20.359 --> 00:21:22.160 do they have another place you can go to? 399 00:21:24.599 --> 00:21:28.000 They would put me in another property that would be 400 00:21:28.160 --> 00:21:31.680 drug infested, which will not be good to my recovery. 401 00:21:32.240 --> 00:21:33.400 I have been three years. 402 00:21:33.480 --> 00:21:38.279 Well write, I'm not you know, and seriously, Samantha, I 403 00:21:38.400 --> 00:21:40.720 understand what you're saying, but I mean you have to 404 00:21:40.799 --> 00:21:46.480 understand too that this is all done on charity, right, 405 00:21:46.599 --> 00:21:50.000 and on government funds, So there's a limit to what 406 00:21:50.039 --> 00:21:52.039 you can get. They're not going to put you in 407 00:21:52.079 --> 00:21:55.480 a fancy condo somewhere, Okay. It's it's there's going to 408 00:21:55.519 --> 00:21:59.799 be some sacrifice. I'm not saying you should be around 409 00:21:59.880 --> 00:22:04.480 meth addicts or you should be in an unsafe housing development, 410 00:22:04.839 --> 00:22:07.519 but there you're not. You're You're never going to get 411 00:22:07.519 --> 00:22:10.200 something perfect, never, And I'm not trying to be mean 412 00:22:10.240 --> 00:22:11.599 to you. I'm just trying to give you a fact 413 00:22:11.640 --> 00:22:14.519 of life. It's there's always going to be some give 414 00:22:14.519 --> 00:22:17.759 and take. So it's you and your child. 415 00:22:20.079 --> 00:22:22.920 Yes, me and my child and my husband. 416 00:22:24.440 --> 00:22:27.839 Okay, Okay. Now what I'd like to know is what's 417 00:22:27.880 --> 00:22:29.240 the name of the complex you're in? 418 00:22:30.319 --> 00:22:33.839 See Renaissances at Blue Spruce off of sixth in Quebec. 419 00:22:35.920 --> 00:22:41.559 Okay, at the Renaissance. Okay, Now does your husband work. 420 00:22:42.920 --> 00:22:43.559 Right now? 421 00:22:43.759 --> 00:22:48.400 We are currently scrappers, So we leave, we drop myself 422 00:22:48.480 --> 00:22:50.960 off at day chair and then we wet to get 423 00:22:51.000 --> 00:22:54.000 in and out of dumpsters all day long to find 424 00:22:54.000 --> 00:22:56.000 metal to be able to sell to the junk yard. 425 00:22:57.599 --> 00:23:01.759 Okay, So I'll tell you what. We need to put 426 00:23:01.799 --> 00:23:07.839 someone on this to at least investigate what they're doing 427 00:23:07.880 --> 00:23:11.720 for you and if it's adequate, okay, we can figure 428 00:23:11.759 --> 00:23:16.599 it out. So I think Deputy D might make some 429 00:23:16.720 --> 00:23:20.079 phone calls. He'll get your number. Here's what we need 430 00:23:20.119 --> 00:23:23.680 to figure out. Okay, I'm going to give you the priority. First, 431 00:23:24.240 --> 00:23:26.599 when will they get the apartment fixed? And will it 432 00:23:26.680 --> 00:23:31.240 be adequate? Okay, because it could be potentially dangerous. Second, 433 00:23:31.920 --> 00:23:34.920 if they don't get it fixed, do they have alternate 434 00:23:34.960 --> 00:23:39.559 housing for you that's not drug infested? And basically those 435 00:23:39.599 --> 00:23:42.119 are the things we're going to start with. Okay. So 436 00:23:42.319 --> 00:23:44.920 you hang on and we'll get someone to look into 437 00:23:45.000 --> 00:23:47.319 this for you. Did you have something to say. 438 00:23:47.279 --> 00:23:48.000 D or not? 439 00:23:48.240 --> 00:23:48.480 Yeah? 440 00:23:48.519 --> 00:23:50.279 Tom, I think you know what do you think of this? 441 00:23:50.359 --> 00:23:53.559 I think I need to approach this extremely tactfully because 442 00:23:54.000 --> 00:23:56.720 if there is a perception that she is getting free 443 00:23:56.720 --> 00:23:59.400 government housing and then she got the government involved in this, 444 00:23:59.799 --> 00:24:02.079 and she's getting a radio show get involved in this, 445 00:24:02.119 --> 00:24:04.519 I just don't want it to get kicked out because 446 00:24:04.519 --> 00:24:06.119 they'll get sick of dealing with her. 447 00:24:06.720 --> 00:24:10.480 No, No, that's true, that could happen, but we'll ca Yeah, 448 00:24:10.480 --> 00:24:14.880 we have to be careful that we do not cause 449 00:24:14.920 --> 00:24:17.839 you more trouble, but we'll try to help you. Okay. 450 00:24:18.400 --> 00:24:21.119 May I ask Samantha how you got our number or 451 00:24:21.119 --> 00:24:22.279 how you got our name to call. 452 00:24:24.680 --> 00:24:27.720 I was able to remember that I talked to you 453 00:24:27.880 --> 00:24:30.200 a couple of years ago when my daughter was sixteen 454 00:24:30.240 --> 00:24:30.759 and missing. 455 00:24:32.359 --> 00:24:35.920 Okay, okay, whatever happened with that case. 456 00:24:37.079 --> 00:24:42.160 She ended up in the system, and when she turned 457 00:24:42.200 --> 00:24:45.440 eighteen and aged out, they just kicked her to the street. 458 00:24:46.599 --> 00:24:50.319 Where is she now homeless in Denver? 459 00:24:52.319 --> 00:24:52.519 Oh? 460 00:24:52.559 --> 00:24:53.559 My god? 461 00:24:55.400 --> 00:24:56.720 Are you trying to help her too? 462 00:24:58.079 --> 00:25:00.519 I can't have her around my son or they'll take 463 00:25:00.559 --> 00:25:03.119 my son from me because she's an active set no 464 00:25:03.359 --> 00:25:06.279 user now. 465 00:25:05.640 --> 00:25:08.920 Oh you know? Oh God, and you and you were 466 00:25:08.960 --> 00:25:09.839 an addict too, right? 467 00:25:11.000 --> 00:25:11.359 Yes? 468 00:25:12.079 --> 00:25:12.559 Yes? 469 00:25:13.000 --> 00:25:13.279 Oh? 470 00:25:13.319 --> 00:25:14.920 It's so sad, isn't it? 471 00:25:14.960 --> 00:25:18.160 Isn't it? How that stuff is just so insidious and 472 00:25:18.240 --> 00:25:21.480 can get into families and just route them out? All right? 473 00:25:21.519 --> 00:25:26.039 Hang on, I'm Tom Martine three oh three seven one 474 00:25:26.119 --> 00:25:28.440 three talk seven one three eight two five five Denver 475 00:25:28.599 --> 00:25:33.240 Regen dot com. Remember that site because they are doing 476 00:25:33.319 --> 00:25:38.559 truseeppetide and semiglutide for weight loss compounded, and it comes 477 00:25:38.599 --> 00:25:42.440 with all injectable materials and the drugs and doctors visits. 478 00:25:42.480 --> 00:25:45.079 All starting at two ninety five a month. You can 479 00:25:45.119 --> 00:25:49.279 go into the holidays confident you'll still enjoy food. It 480 00:25:49.440 --> 00:26:00.759 just is like magic, helping you eat less. Denverregen dot com. 481 00:26:01.000 --> 00:26:04.240 Go with a sure thing Denver's best roofer Excel Roofing 482 00:26:04.359 --> 00:26:04.960 dot com. 483 00:26:05.000 --> 00:26:07.000 You don't pay a cent until you're content. 484 00:26:10.400 --> 00:26:13.559 Time for an insurance check up free, no obligation comparison 485 00:26:13.680 --> 00:26:17.279 call Compass Insurance paying too much your coverage at dozens 486 00:26:17.279 --> 00:26:20.000 of insurance companies find out now three oh three seven 487 00:26:20.039 --> 00:26:22.359 to seven to one help. You'll think you're his only 488 00:26:22.440 --> 00:26:24.920 customer when you choose Frank durand the real estate Man 489 00:26:24.960 --> 00:26:28.440 dot com to list your home with Remax Alliance three 490 00:26:28.440 --> 00:26:35.640 oh three nine two zero sixteen twenty two. Hey, I'm 491 00:26:35.680 --> 00:26:39.119 Tom Martino. You're troubleshooter three oh three seven to one 492 00:26:39.160 --> 00:26:41.000 three talk three h three seven one three. 493 00:26:40.799 --> 00:26:42.960 Eight two five five. I just want to say. 494 00:26:42.799 --> 00:26:44.640 If I can mark this day on YouTube with no 495 00:26:44.759 --> 00:26:46.079 technical difficulties. 496 00:26:46.799 --> 00:26:48.920 All of the morons get cars. 497 00:26:49.799 --> 00:26:52.960 I'm gonna be Oprah and uh, you're all gonna get 498 00:26:52.960 --> 00:26:53.400 a car. 499 00:26:53.640 --> 00:26:55.279 You get a car, You get a car, You get 500 00:26:55.319 --> 00:26:55.720 a car. 501 00:26:57.400 --> 00:27:03.119 Hey, right, that's funny. Three all three seven one three 502 00:27:03.160 --> 00:27:08.119 eight two five so a two five. Now we're done 503 00:27:08.160 --> 00:27:10.160 with Samith. When you're not done with her, we're giving 504 00:27:10.200 --> 00:27:14.720 Samantha over to Deputy d Now, Dwayne, what is your 505 00:27:14.759 --> 00:27:16.880 question about chimney sweeps? 506 00:27:17.440 --> 00:27:17.599 Hi? 507 00:27:17.720 --> 00:27:18.400 Good, right, Tom? 508 00:27:18.519 --> 00:27:21.720 Hope you and the cruise for having a good Tuesday morning. 509 00:27:23.039 --> 00:27:25.000 Yeah, you know what. I love this time of year 510 00:27:25.039 --> 00:27:27.880 because people are laid back, looking forward to the new year, 511 00:27:28.200 --> 00:27:30.480 and I just think people are in better moods all 512 00:27:30.519 --> 00:27:31.119 the way around. 513 00:27:32.279 --> 00:27:36.240 Brian, my issues seem so trivial compared to damn. But 514 00:27:36.880 --> 00:27:40.079 I went on your website dot com and I was 515 00:27:40.079 --> 00:27:44.839 looking for a chimney sweep and it turned up no results. 516 00:27:45.920 --> 00:27:48.480 I know it was very difficult. We had one one time, 517 00:27:49.880 --> 00:27:54.720 didn't have good luck with that. I don't Okay, tell 518 00:27:54.759 --> 00:27:57.559 me this, Do you really need a chimney sweep? 519 00:27:57.599 --> 00:27:58.319 What are you looking for? 520 00:27:59.799 --> 00:28:02.759 Well? I have a Renald place that I've owned for 521 00:28:02.799 --> 00:28:06.279 twenty years. It's never been slapped. I'm ashamed of me 522 00:28:07.079 --> 00:28:11.920 and there's an insert in there. But my tenants started 523 00:28:11.920 --> 00:28:14.599 a fire last week and all the smoke blew back 524 00:28:14.680 --> 00:28:20.480 into the house. And regardless, Now I think I could 525 00:28:20.680 --> 00:28:21.039 go ahead. 526 00:28:21.079 --> 00:28:24.440 I will say that. Now, where's it located. 527 00:28:24.000 --> 00:28:25.279 In Lakewood, Colorado? 528 00:28:27.240 --> 00:28:33.880 Okay? Now, I do know there are some people that 529 00:28:34.000 --> 00:28:39.519 do duct work that do it, and I'm not sure 530 00:28:39.559 --> 00:28:44.960 if our ducked people do it. But it's not brain damage. 531 00:28:45.039 --> 00:28:47.559 It's just that you need someone insured. You can end 532 00:28:47.640 --> 00:28:52.279 up in very big trouble. That's really important. And of 533 00:28:52.359 --> 00:28:56.440 course you want someone that actually does the job because 534 00:28:56.640 --> 00:28:58.160 there's no way for you to know if they did 535 00:28:58.279 --> 00:29:02.799 or not. Really, so I'm trying to get some recommendations 536 00:29:02.839 --> 00:29:09.039 here from other sources. I'm looking at my duck cleaners too, 537 00:29:09.720 --> 00:29:15.880 but it's really the ones we had. I shouldn't say 538 00:29:15.920 --> 00:29:18.319 that because people might remember some of them were not 539 00:29:18.680 --> 00:29:22.000 They weren't bad. They just it was just a bad 540 00:29:22.039 --> 00:29:28.240 industry to I have a question. Yes, go ahead. So Dwayne, 541 00:29:28.359 --> 00:29:31.279 this is bo your chimney is it? 542 00:29:31.319 --> 00:29:34.119 Is it a masonry brick chimney or do you have 543 00:29:34.160 --> 00:29:37.119 a steel liner inside the chimney. 544 00:29:39.079 --> 00:29:40.920 I'm assume it's masonry either. 545 00:29:42.400 --> 00:29:42.680 It was. 546 00:29:44.480 --> 00:29:47.480 Okay, is it possible, is it your damper that the 547 00:29:47.640 --> 00:29:50.359 fireplace damper could just be in a closed position. 548 00:29:51.759 --> 00:29:52.880 We definitely checked that one. 549 00:29:54.559 --> 00:29:56.920 Okay, And then the top of I have an idea. 550 00:29:57.200 --> 00:29:59.799 Okay, oh I'm sorry, go ahead, I'm just gonna have 551 00:30:00.279 --> 00:30:02.960 the top of the chimney might have a bird ness 552 00:30:03.079 --> 00:30:05.440 or something obstructing that there would be simple to look 553 00:30:05.480 --> 00:30:06.960 at just getting up on the road. 554 00:30:07.119 --> 00:30:10.279 Yeah, but that's kind of dangerous. And these guys, listen, 555 00:30:10.599 --> 00:30:16.759 I found a company that totally by searching. They have 556 00:30:16.839 --> 00:30:22.000 a four point nine and they've been around for seven years. 557 00:30:22.400 --> 00:30:25.119 There's another one that has five star. I just I 558 00:30:25.160 --> 00:30:27.680 always want to see how many reviews. The one that 559 00:30:27.720 --> 00:30:30.960 has four point nine has two hundred and thirty six reviews. 560 00:30:31.359 --> 00:30:34.720 Now you can't fake that. Another one has five star 561 00:30:34.799 --> 00:30:41.079 reviews and they're one hundred and forty six. And ah, 562 00:30:41.160 --> 00:30:42.920 you know, I mean you could do worse than that. 563 00:30:43.319 --> 00:30:47.160 Now there's okay, this is definitely two hundred and thirty 564 00:30:47.200 --> 00:30:51.920 six reviews, four point nine, seven years in business. Their 565 00:30:52.000 --> 00:30:57.559 name is Denver Chimney Cleaning. Wait a minute, there's hold on, 566 00:30:57.599 --> 00:31:01.920 there's another one. Holy crap, there's another one with three 567 00:31:02.039 --> 00:31:06.960 hundred ninety reviews and they're all five star. Holy crap, 568 00:31:07.599 --> 00:31:12.200 that's called crown Up Pros. You know we should hit 569 00:31:12.279 --> 00:31:14.240 some of these up to be on our referral list. 570 00:31:14.480 --> 00:31:18.160 I mean, when you have three hundred ninety reviews and 571 00:31:18.440 --> 00:31:21.400 you got five stars. Again, I'm not a big guy 572 00:31:21.440 --> 00:31:24.519 for reviews unless there are a lot of them. Now, 573 00:31:24.880 --> 00:31:27.039 you know, you can tell of they're faked or not. 574 00:31:27.559 --> 00:31:31.960 This one, this I try crown Up. You know they 575 00:31:31.960 --> 00:31:34.519 don't they look pretty cool. They look like a bunch 576 00:31:34.519 --> 00:31:39.319 of young men and really, how do I put this? 577 00:31:39.880 --> 00:31:43.319 They look like hard working young people. But man, do 578 00:31:43.400 --> 00:31:47.400 they have good reviews? Really good reviews? And then so 579 00:31:47.440 --> 00:31:49.640 that's crown Up. Do you have a pen or do 580 00:31:49.640 --> 00:31:51.720 you have something to write with? No? 581 00:31:51.880 --> 00:31:52.960 I can remember that though. 582 00:31:53.000 --> 00:31:54.559 I'm good crown Up. 583 00:31:54.599 --> 00:31:57.319 And the other one is the other one on just 584 00:31:57.400 --> 00:32:02.119 a Denver. Yeah, so that's what you know. I'm telling 585 00:32:02.160 --> 00:32:04.920 you those who have the best ratings for the amount 586 00:32:04.960 --> 00:32:08.200 of ratings Denver Chimney Cleaning and crown Up. 587 00:32:09.000 --> 00:32:11.480 Perfect Com get one of those on your referral lists. 588 00:32:12.319 --> 00:32:15.000 I got to man, you know, last time we didn't 589 00:32:15.039 --> 00:32:18.400 have luck. But these guys are showing some good stuff here. 590 00:32:18.680 --> 00:32:27.400 I'm Tom Martine, go with a sure thing Denver's best 591 00:32:27.480 --> 00:32:30.359 roofer Excel Roofing dot com. You don't pay a cent 592 00:32:30.559 --> 00:32:36.640 until you're content. Time for an insurance check up free, 593 00:32:36.720 --> 00:32:40.440 no obligation. In comparison, call Compass Insurance paying too much 594 00:32:40.559 --> 00:32:43.519 your coverage at dozens of insurance companies find out now 595 00:32:43.599 --> 00:32:46.079 three oh three seven seven to one. Help. You'll think 596 00:32:46.119 --> 00:32:48.680 you're his only customer when you choose Frank durand the 597 00:32:48.720 --> 00:32:51.359 real estate Man dot com to list your home with 598 00:32:51.480 --> 00:32:55.000 Remax Alliance three oh three nine two zero sixteen twenty two. 599 00:32:59.400 --> 00:33:04.599 Him Martino, you're troubleshooter three all three seven one three 600 00:33:04.680 --> 00:33:08.039 talk three all three seven one three eight two five five. 601 00:33:09.119 --> 00:33:11.880 So let's go back to Joe Kanno. I ask him, 602 00:33:11.920 --> 00:33:15.839 he is with my Moneymway dot com. I asked him, 603 00:33:15.880 --> 00:33:18.119 what would happen if you have a baby and let's 604 00:33:18.119 --> 00:33:22.480 say you put it away for uh, you know, age fifty, 605 00:33:22.680 --> 00:33:27.000 age sixty sixty five, and you put ten grand in 606 00:33:27.759 --> 00:33:31.160 the minimum in an annuity way back. Now, let's suggestion 607 00:33:31.160 --> 00:33:33.200 you do it. I have no idea. I've never actually 608 00:33:33.279 --> 00:33:36.440 run this man. What does it look like Joe? In 609 00:33:36.480 --> 00:33:38.920 a fixed indexed annuity. 610 00:33:39.480 --> 00:33:42.920 Amacing number storm amazing numbers. 611 00:33:42.920 --> 00:33:44.359 Okay, let's let's hear it. 612 00:33:45.359 --> 00:33:50.079 At age fifty, the ten thousand dollars that a grandparent 613 00:33:50.240 --> 00:33:53.319 or a grand parent who's away for their grandchild or 614 00:33:53.480 --> 00:33:59.559 child will become one hundred and seventy thousand, two hundred 615 00:33:59.559 --> 00:34:02.480 and thirty nine dollars ten thousand dollars. 616 00:34:03.839 --> 00:34:07.519 That's at fifty whoop at all? 617 00:34:07.599 --> 00:34:07.759 Right? 618 00:34:07.839 --> 00:34:08.719 I want to hold on. 619 00:34:08.800 --> 00:34:10.599 I want to come back to more and then I 620 00:34:10.639 --> 00:34:14.320 want to talk about income. Right after this, go with 621 00:34:14.400 --> 00:34:17.960 a sure thing Denver's Best roofer Excel Roofing dot com. 622 00:34:18.000 --> 00:34:23.760 You don't pay a cent until you're content. Time for 623 00:34:23.760 --> 00:34:28.119 an insurance checkup free, no obligation. In comparison, call Compass Insurance. 624 00:34:28.280 --> 00:34:31.320 Pay too much your coverage at dozens of insurance companies 625 00:34:31.400 --> 00:34:34.000 find out now three oh three seven seven to one help. 626 00:34:34.159 --> 00:34:36.800 You'll think you're his only customer when you choose Frank 627 00:34:36.840 --> 00:34:39.320 Durand the real estate Man dot com to list your 628 00:34:39.320 --> 00:34:42.440 home with Remax Alliance three oh three nine two zero 629 00:34:42.599 --> 00:34:50.480 sixteen twenty two. 630 00:34:49.320 --> 00:34:58.280 D News needs so you don't have run incious stas 631 00:34:58.440 --> 00:35:02.320 as we can, no shoot's gonna help come. 632 00:35:03.880 --> 00:35:08.559 Dix is the Troubleshooter Show, No Tom Martino. 633 00:35:09.599 --> 00:35:12.880 Hello Tom Martino here, Welcome to the show. Three oh 634 00:35:12.960 --> 00:35:17.039 three seven one three talk three O three seven one 635 00:35:17.079 --> 00:35:20.639 three eight two five five. We're taking any and all 636 00:35:20.760 --> 00:35:23.360 calls as we wind up the year, as we head 637 00:35:23.400 --> 00:35:26.760 to Christmas, and as we are set to take a 638 00:35:26.760 --> 00:35:29.719 few days off here and there. We want to clean 639 00:35:29.760 --> 00:35:37.239 out your house of problems, clean out your house anything lingering, 640 00:35:37.320 --> 00:35:40.880 Let's get rid of it. We got deputies. I've never 641 00:35:40.960 --> 00:35:44.519 had such a good group of deputies in my life. 642 00:35:45.239 --> 00:35:49.199 I mean, I've had experienced business people either still working 643 00:35:49.280 --> 00:35:54.000 or retired and doing things on the side that are smart, 644 00:35:54.079 --> 00:35:58.000 capable and tenacious. Now, any one of them could do 645 00:35:58.039 --> 00:36:00.599 the show. And I mean it is. If they were 646 00:36:00.719 --> 00:36:02.920 just a little better looking and had a better voice 647 00:36:03.159 --> 00:36:05.920 and a more command over the English language, and a 648 00:36:05.960 --> 00:36:10.039 little smarter, and they dressed better, they could do it. 649 00:36:12.159 --> 00:36:14.639 Uh Oh, I didn't get any comments on that. Three 650 00:36:14.760 --> 00:36:18.480 oh three seven three talk seven one three eight two 651 00:36:18.559 --> 00:36:22.880 five five. Deputy Dollar, you're curiously silent, and so is 652 00:36:22.960 --> 00:36:26.880 BO and Deputy D and everyone else. But in any case, 653 00:36:27.519 --> 00:36:32.800 let's talk to Joseph Canno, Certified Financial Planner, now again 654 00:36:33.159 --> 00:36:35.800 I'm going to say this, and I'm going to say. 655 00:36:35.599 --> 00:36:36.719 This because. 656 00:36:38.199 --> 00:36:44.159 I like Joe and I trust Joe, and also it's 657 00:36:44.280 --> 00:36:49.960 kind of weird, but I have I have certain things 658 00:36:50.000 --> 00:36:53.159 I have to say on the air. Do you know why? 659 00:36:53.840 --> 00:36:58.280 Because since I got registered myself is a financial advisor, 660 00:36:59.119 --> 00:37:03.039 I was notified that when I talk about anything aster 661 00:37:03.199 --> 00:37:07.000 a turnkey, even it's not a security, but you have 662 00:37:07.079 --> 00:37:12.159 to make certain disclosures, okay, And so with Joe, got 663 00:37:12.199 --> 00:37:15.159 to make certain disclosures even though Joe is not dealing 664 00:37:15.239 --> 00:37:16.800 in a security. 665 00:37:16.840 --> 00:37:19.039 And one of the disclosures. 666 00:37:18.280 --> 00:37:21.199 I can make with Joe is that it's one of 667 00:37:21.239 --> 00:37:25.639 the few products that is absolutely guaranteed and you're allowed 668 00:37:25.679 --> 00:37:32.159 to say guaranteed as an investment because it's backed by 669 00:37:32.800 --> 00:37:36.920 private insurance companies with like one hundred year history. And 670 00:37:37.599 --> 00:37:40.960 whenever you have bonds or other things backed, you can 671 00:37:41.000 --> 00:37:43.360 say they're guaranteed. If they're guaranteed, you can say that. 672 00:37:44.320 --> 00:37:48.800 Now I'm talking. I'm talking to Joe because I asked 673 00:37:48.840 --> 00:37:51.400 them to what would happen if you put ten grand 674 00:37:51.440 --> 00:37:56.360 down for a baby and you just let us sit 675 00:37:56.400 --> 00:37:59.079 there until the baby and I don't know how old 676 00:37:59.079 --> 00:38:01.519 did you figure East Joe, when you did. 677 00:38:01.400 --> 00:38:05.559 This what you just said, fifty, sixty, sixty five, and seventy. 678 00:38:05.679 --> 00:38:07.960 Yeah, but how old? How old did you were you 679 00:38:08.000 --> 00:38:10.400 figuring the baby at a year old or yet less 680 00:38:10.400 --> 00:38:11.679 than a year or whatever? 681 00:38:12.360 --> 00:38:13.559 Brand new, brand new baby? 682 00:38:13.639 --> 00:38:14.199 Got it more? 683 00:38:14.280 --> 00:38:16.480 Okay? So I said, I said, what would the baby 684 00:38:16.480 --> 00:38:18.800 have at fifty? What would the baby have a fifty? 685 00:38:18.800 --> 00:38:20.480 What would the baby have at sixty? What would the 686 00:38:20.519 --> 00:38:24.440 baby have at sixty five? So go ahead, let's talk. 687 00:38:24.639 --> 00:38:27.159 I want to talk about the account value. Then I 688 00:38:27.159 --> 00:38:29.679 want to talk about the monthly check. So let's take 689 00:38:29.719 --> 00:38:30.440 age fifty. 690 00:38:31.320 --> 00:38:36.039 Okay, age fifty. That ten thousand dollars will convert into 691 00:38:36.079 --> 00:38:40.320 one hundred and seventy thousand, two hundred and thirty nine 692 00:38:40.360 --> 00:38:44.840 dollars guaranteed. Now think about that. Now, the income stream 693 00:38:45.440 --> 00:38:48.280 that that child will get at age fifty from that 694 00:38:48.400 --> 00:38:54.119 amount will be five thousand, seven hundred and three dollars 695 00:38:54.199 --> 00:38:58.039 each and every year for the rest of their lives. 696 00:38:58.440 --> 00:39:01.679 Think about that. So if they live to be let's 697 00:39:01.679 --> 00:39:07.159 say twenty years, let's say seventy, they may plice the 698 00:39:07.159 --> 00:39:10.519 amount of money that the grandparent or the parent invested 699 00:39:11.199 --> 00:39:17.480 to get this annuity started. Now, no, hold on numbers. 700 00:39:17.280 --> 00:39:17.719 So hold on. 701 00:39:18.079 --> 00:39:24.719 So they're making about four hundred forty bucks a month 702 00:39:25.000 --> 00:39:29.960 in income when they are fifty. 703 00:39:28.639 --> 00:39:31.880 When they're fifty, guaranteed for the rest Okay now. 704 00:39:31.840 --> 00:39:34.159 Now, okay, got it, I get it. 705 00:39:34.199 --> 00:39:36.800 Now, let's go to age sixty. 706 00:39:37.679 --> 00:39:41.440 At eight sixty, that numbers get better. Three hundred and 707 00:39:41.719 --> 00:39:46.199 eight thousand, two hundred and thirty two dollars. That ten thousand. 708 00:39:45.920 --> 00:39:48.320 Dollars holy crown, yea, yeah. 709 00:39:47.880 --> 00:39:52.760 Three hundred and eight thousand to thirty two. That's almost 710 00:39:52.800 --> 00:39:56.159 a half a million. Well it's over, you know, a 711 00:39:56.239 --> 00:40:00.119 quarter of a million dollars, and their income stream will 712 00:40:00.119 --> 00:40:05.920 be thirteen thousand, four h eight every year for the 713 00:40:05.920 --> 00:40:06.960 rest of their life. 714 00:40:06.719 --> 00:40:09.760 More than one thousand, more than one thousand bucks a 715 00:40:09.840 --> 00:40:12.400 month in income. I wonder what it would be worth 716 00:40:12.559 --> 00:40:14.440 up there in the future though, you know, because you 717 00:40:14.719 --> 00:40:17.840 always have the cost of inflation and expense. 718 00:40:17.880 --> 00:40:21.079 But anyway, keep going, what else, right seventy five? 719 00:40:21.199 --> 00:40:25.880 At age sixty five, four hundred and fifty nine thousand 720 00:40:25.960 --> 00:40:29.159 and four thirty six, that ten thousand dollars will turn 721 00:40:29.280 --> 00:40:33.159 to a half a million dollars. Think about that guaranteed, 722 00:40:34.039 --> 00:40:38.000 and their income stream will be twenty two thousand, two 723 00:40:38.159 --> 00:40:41.800 hundred and eighty three dollars, almost two thousand dollars a 724 00:40:41.880 --> 00:40:45.519 month for the rest of their lives. Only ten thousand 725 00:40:45.559 --> 00:40:47.280 dollars can get that child at. 726 00:40:50.039 --> 00:40:53.039 Wow. And at eight that's that's incredible. 727 00:40:53.119 --> 00:40:56.960 Age seventy two, At age seventy two, tom, that ten 728 00:40:57.000 --> 00:41:02.039 thousand dollars will become six hundred dread forty four thousand, 729 00:41:02.599 --> 00:41:06.039 three hundred and forty eight dollars. So if they want 730 00:41:06.039 --> 00:41:08.519 to cash the end, that ten thousand dollars will give 731 00:41:08.559 --> 00:41:11.079 them over a well over a half a million dollars. 732 00:41:11.440 --> 00:41:13.400 They're But if they want to have an income at 733 00:41:13.400 --> 00:41:15.880 that point for the rest of their life, at age 734 00:41:15.920 --> 00:41:18.639 seventy two, it will be thirty four. 735 00:41:18.519 --> 00:41:20.840 Do you get Do you get compounding with this? 736 00:41:22.000 --> 00:41:27.280 Yes, there's compounds at two point seventy five percent. 737 00:41:27.000 --> 00:41:31.360 Every year, okay. And one of the things I wanted 738 00:41:31.400 --> 00:41:35.079 to make to make sure and again you know, there 739 00:41:35.159 --> 00:41:40.320 is a place for practically every investment vehicle in the world. Now, 740 00:41:40.320 --> 00:41:42.239 there are certain ones that are more dangerous than others 741 00:41:42.280 --> 00:41:44.880 I would recommend against, and of course there are private 742 00:41:44.920 --> 00:41:47.599 things you got to be careful of. So I want 743 00:41:47.599 --> 00:41:49.639 to say that, So there's a place for everything. But 744 00:41:49.679 --> 00:41:53.360 there's always a cost, or there's always when I say risk, 745 00:41:53.920 --> 00:41:57.519 not necessarily a risk of losing, but risks of missing 746 00:41:57.519 --> 00:42:00.840 out on other things. But as you get older, the 747 00:42:01.000 --> 00:42:06.559 risk of missing out is less important to you. And 748 00:42:06.639 --> 00:42:11.440 so you know, in other words, if you want an annuity, 749 00:42:11.480 --> 00:42:13.719 as you get older, they get more important because the 750 00:42:13.880 --> 00:42:17.800 guarantees are more important. And I've always said this, with 751 00:42:18.039 --> 00:42:22.000 an annuity, you do, if we're going to be totally transparent, 752 00:42:22.079 --> 00:42:27.039 you sacrifice a bit of upward movement if the market 753 00:42:27.079 --> 00:42:30.400 is doing great. But again you don't have to risk 754 00:42:30.519 --> 00:42:33.800 the downward, but you risk some of the upside that 755 00:42:33.840 --> 00:42:38.280 you don't participate in. You also could risk not investing 756 00:42:38.320 --> 00:42:41.480 in something else, like you know, a stock or something, 757 00:42:41.639 --> 00:42:45.519 but then again those stocks carry risk of going down 758 00:42:45.559 --> 00:42:49.880 as well. So but but as I said, there's something 759 00:42:50.039 --> 00:42:55.599 for everyone in every vehicle. The important thing is knowing Joe, 760 00:42:55.719 --> 00:42:58.400 I think, how. 761 00:42:58.320 --> 00:43:01.599 Much of your port folio to a lot. 762 00:43:01.960 --> 00:43:06.480 Two different things, and when to do it right? 763 00:43:06.599 --> 00:43:08.960 Not just how much, but when. 764 00:43:10.360 --> 00:43:11.719 That is right to them? You know, and what do 765 00:43:11.800 --> 00:43:14.119 you now You've got to remember, Well, what I think 766 00:43:14.239 --> 00:43:16.599 is you know, as a financial planner, you need to 767 00:43:16.639 --> 00:43:22.559 take into account. You know, the consumers, you know, whether 768 00:43:22.639 --> 00:43:25.760 or not they want to risk their money. They're risk tolerance. 769 00:43:26.119 --> 00:43:30.400 I call it risk tolerance. That's right, firstend, that's some 770 00:43:30.519 --> 00:43:32.599 consumers make me young, but they don't want to lose 771 00:43:32.599 --> 00:43:35.960 any money. So they're not suited for a security. There 772 00:43:35.960 --> 00:43:39.239 may be suited a better suitit or an annuity that 773 00:43:39.360 --> 00:43:43.280 guarantees them. So it's up to the client. It's not 774 00:43:43.320 --> 00:43:46.840 to the financial advisor. We are the financial planners that 775 00:43:46.880 --> 00:43:50.840 can help people by guiding them based on their goals 776 00:43:50.880 --> 00:43:57.000 and objectives and lives and and the risk tolerance. I mean, 777 00:43:57.199 --> 00:43:59.559 let me ask you this. If I was to ask you, 778 00:44:00.039 --> 00:44:02.320 and you may be different, you know, but I mean 779 00:44:02.360 --> 00:44:05.960 if I were to ask the average everyday consumer, how 780 00:44:06.039 --> 00:44:10.599 much money can you afford to lose? What? 781 00:44:10.599 --> 00:44:10.920 What? 782 00:44:10.920 --> 00:44:17.599 What do you think? The majority will say, Tom. 783 00:44:15.599 --> 00:44:16.000 You know what? 784 00:44:16.239 --> 00:44:16.639 None? 785 00:44:17.599 --> 00:44:17.920 Zero? 786 00:44:18.079 --> 00:44:20.079 Yeah, that is I would say, I would say that 787 00:44:20.440 --> 00:44:21.559 I don't want to lose money. 788 00:44:21.679 --> 00:44:26.000 Yeah, I mean, so people are really adverse of losing money. 789 00:44:26.639 --> 00:44:29.760 So you see when they buy a security, they are 790 00:44:29.880 --> 00:44:34.760 actually walking into the fire because they could lose money. 791 00:44:35.360 --> 00:44:37.679 It's almost like gambling. When you go to Las Vegas. 792 00:44:37.719 --> 00:44:39.519 I mean, you can put a coda on the machine 793 00:44:39.880 --> 00:44:41.880 with the hopes that you're going to make it big. 794 00:44:43.199 --> 00:44:45.480 But a lot of times you just quoder seeing and 795 00:44:45.519 --> 00:44:49.760 coder seeing and coder seeing. So an annuity is a 796 00:44:49.840 --> 00:44:55.880 totally safe investment based on the client's needs and objectives 797 00:44:56.760 --> 00:44:59.559 and their risk tolerance that they may have. 798 00:45:02.639 --> 00:45:05.559 I'm okay now, of course it does. 799 00:45:06.400 --> 00:45:13.079 And again we'll talk about all of this with the associated. 800 00:45:13.880 --> 00:45:15.960 Benefits or risks. 801 00:45:16.000 --> 00:45:18.039 If there are risks, and I talked about upside risk, 802 00:45:18.079 --> 00:45:20.079 we can take a look at what money would do 803 00:45:20.159 --> 00:45:24.599 in a fund. You know, here's what's really funny when 804 00:45:24.599 --> 00:45:27.119 we talk about an S and P fund. If you 805 00:45:27.119 --> 00:45:29.760 can find a good indexed fund, truly there are some, 806 00:45:30.760 --> 00:45:33.840 and then you can take an amount and invest in it. 807 00:45:34.960 --> 00:45:38.960 Almost no one, because of their financial advisor, leaves. 808 00:45:38.719 --> 00:45:39.400 Them in it. 809 00:45:40.119 --> 00:45:43.320 And that is where risk comes in, is where people 810 00:45:43.360 --> 00:45:48.239 get nervous with ups and downs in the market. If 811 00:45:48.320 --> 00:45:51.880 you leave it, you have a better chance of making money. 812 00:45:52.320 --> 00:45:54.880 But even if you leave it and you're making money 813 00:45:54.960 --> 00:46:01.000 as you grow older, you convert it, heard it And 814 00:46:01.079 --> 00:46:05.920 so that's the secret. When do you convert? And that 815 00:46:06.079 --> 00:46:07.760 is what people need to know. They need to know 816 00:46:07.800 --> 00:46:11.719 their own time horizon and their own desires. 817 00:46:12.280 --> 00:46:13.239 We have more coming up. 818 00:46:13.280 --> 00:46:16.119 Three oh three seven one three talk seven one three 819 00:46:16.119 --> 00:46:19.000 A two five five. Frank durand the real estateman dot 820 00:46:19.039 --> 00:46:23.320 com wants to convert. Wants to tell you, I mean, 821 00:46:23.719 --> 00:46:26.239 how much you can sell your house for based on 822 00:46:26.280 --> 00:46:30.679 his thirty years of experience. This complete sit down analysis 823 00:46:31.239 --> 00:46:35.360 or on the phone. It is complete with your neighborhood, 824 00:46:35.599 --> 00:46:40.239 the comps, the size of your house, the the interest rates. 825 00:46:40.320 --> 00:46:44.320 He'll let you know, and he's pretty dang accurate. It's 826 00:46:44.400 --> 00:46:46.400 not an appraisal, it's what it will sell for based 827 00:46:46.480 --> 00:46:49.320 on his experience if he lists it, and there is 828 00:46:49.519 --> 00:46:50.840 no obligation whatsoever. 829 00:46:51.719 --> 00:46:55.400 Get your analysis. Three oh three nine two zero sixteen 830 00:46:55.480 --> 00:46:56.039 twenty two. 831 00:46:56.039 --> 00:47:03.400 Frank Duran, the real estate man dot com. Go with 832 00:47:03.440 --> 00:47:07.039 a sure thing Denver's best roofer Excel Roofing dot com. 833 00:47:07.079 --> 00:47:09.079 You don't pay a cent until you're content. 834 00:47:12.480 --> 00:47:15.639 Time for an insurance check up, free, no obligation comparison 835 00:47:15.800 --> 00:47:19.360 call Compass Insurance paying too much your coverage at dozens 836 00:47:19.360 --> 00:47:22.079 of insurance companies find out now three oh three seven 837 00:47:22.199 --> 00:47:25.000 seven to one help. You'll think you're his only customer 838 00:47:25.039 --> 00:47:27.280 when you choose Frank durand the real estate man dot 839 00:47:27.320 --> 00:47:30.639 Com to list your home with Remax Alliance three oh 840 00:47:30.679 --> 00:47:43.599 three nine two zero sixteen twenty two. All right, I'm here, 841 00:47:43.679 --> 00:47:44.800 I'm here, I'm here, I'm here. 842 00:47:46.000 --> 00:47:49.159 I'm sorry. Three oh three seven one three talk seven 843 00:47:49.199 --> 00:47:50.559 one three eight two five five. 844 00:47:51.639 --> 00:47:56.679 So anyway, we're talking about your life, you're liberty, your 845 00:47:56.760 --> 00:47:59.920 pursuit of happiness. I got some texts here, and uh, 846 00:48:00.280 --> 00:48:03.400 I'm going to go to those. And this is uh, 847 00:48:04.199 --> 00:48:12.880 somebody wants to know who has smaller hands me. Oh, 848 00:48:12.960 --> 00:48:16.840 come on, I'm not going to get into that. That's code, 849 00:48:16.960 --> 00:48:20.000 isn't it. I think Shannon has the smallest hands that 850 00:48:20.039 --> 00:48:29.440 we're going there, he has tiny, tiny, tiny, tiny hands. Shannon, 851 00:48:29.840 --> 00:48:32.239 what do you think should never talk to a guy 852 00:48:32.639 --> 00:48:39.400 who's controlling the airwaves like that? I guess listen more on. 853 00:48:39.960 --> 00:48:43.360 Let me just take this because it's it's important. More 854 00:48:43.440 --> 00:48:50.280 on estate planning. I have a little story here that 855 00:48:50.440 --> 00:48:54.840 people text. Somebody texted me a guy did a quick 856 00:48:54.880 --> 00:49:01.440 claim deed to his son and he said, when I'm 857 00:49:01.480 --> 00:49:04.039 about to die, I want you to file it so 858 00:49:04.119 --> 00:49:08.400 we don't have to go through prob And he let 859 00:49:08.440 --> 00:49:11.119 me know that his dad is on his death bed, 860 00:49:12.519 --> 00:49:15.800 and you know what I told him? What did I 861 00:49:15.840 --> 00:49:17.800 tell him? Deco today? Maybe you're God? 862 00:49:17.880 --> 00:49:19.760 He said, don't do it because of the tax constant. 863 00:49:19.840 --> 00:49:24.599 Don't file it. How many times do I have to 864 00:49:24.679 --> 00:49:28.079 say this? I want you to tell me why? Because 865 00:49:28.719 --> 00:49:32.519 if you file it right before he dies, whatever price 866 00:49:33.079 --> 00:49:40.679 he paid for that house becomes your basis. You get 867 00:49:40.719 --> 00:49:42.440 to add in some of the improvements and all that 868 00:49:42.480 --> 00:49:45.639 he did. But still it's going to no doubt be 869 00:49:45.719 --> 00:49:49.239 a lower basis than when he dies this week or 870 00:49:49.280 --> 00:49:55.440 next week, because if you do the quick claim before 871 00:49:55.440 --> 00:49:56.840 he dies, you can't. 872 00:49:56.679 --> 00:49:57.159 Do it after. 873 00:49:58.360 --> 00:50:03.679 If you do it before he dies, then what happens 874 00:50:03.760 --> 00:50:08.559 is you get his basis. So let's say he bought 875 00:50:08.559 --> 00:50:11.840 it way back when bought it for two hundred. Maybe no, 876 00:50:12.039 --> 00:50:16.360 let's just say like one hundred and ten, and now 877 00:50:16.400 --> 00:50:21.360 it's five hundred. You're gonna have a problem because you're 878 00:50:21.360 --> 00:50:25.519 gonna have capital gains. Now, let's say now if you 879 00:50:25.840 --> 00:50:28.920 turn it into your own house, you can get an 880 00:50:28.960 --> 00:50:31.440 exemption on capital gains up to a certain amount. 881 00:50:32.000 --> 00:50:34.840 But why bother because if you keep it. 882 00:50:34.760 --> 00:50:36.880 Longer and longer, no matter what, you're always gonna have 883 00:50:36.880 --> 00:50:39.679 a lower basis. So the better way to do that 884 00:50:40.920 --> 00:50:42.920 if he's still alive. And I hate to be morbid, 885 00:50:43.039 --> 00:50:46.639 but I know what you said. He's still alive, have him. 886 00:50:46.760 --> 00:50:50.119 Now do a benefisheries deed. You can do that in 887 00:50:50.159 --> 00:50:54.000 your deathbed. A benefisheries deed will do what you wanted 888 00:50:54.039 --> 00:50:59.079 to accomplish, and more it will keep it out of probate. 889 00:51:00.800 --> 00:51:05.039 So when he dies, at that moment, the house transfers 890 00:51:05.079 --> 00:51:12.599 to you, and it transfers on today's basis. So let's 891 00:51:12.639 --> 00:51:16.280 say the house is worth five hundred. Now, if you 892 00:51:16.320 --> 00:51:18.760 want to sell it, you're gonna get five five point 893 00:51:18.800 --> 00:51:26.239 fifty five whatever, you know what, no tax. Now let's say, well, 894 00:51:26.320 --> 00:51:28.800 you know you're gonna have a little above the basis. 895 00:51:29.360 --> 00:51:31.639 But now if you keep it in your name and 896 00:51:31.679 --> 00:51:34.320 you want to live in it for a while, then 897 00:51:34.800 --> 00:51:38.079 you have a higher basis to start and you'll almost 898 00:51:38.199 --> 00:51:42.559 never exceed the exemption on top of that. So that's 899 00:51:42.639 --> 00:51:45.599 the way to do it. And I'm sorry your dad 900 00:51:45.679 --> 00:51:49.280 is as you say on his deathbed, but that's really the. 901 00:51:49.239 --> 00:51:51.880 Way to be safe when you're doing stuff like that. 902 00:51:52.400 --> 00:51:54.840 Now, somebody asks that I give my numbers out again, 903 00:51:55.360 --> 00:51:56.840 and I haven't done it. In a while. 904 00:51:57.960 --> 00:52:01.559 This voicemail here, excuse me voicemail. 905 00:52:01.599 --> 00:52:05.559 This Google number comes to my personal cell and when 906 00:52:05.559 --> 00:52:08.519 I'm not here or it comes to my computer and 907 00:52:08.559 --> 00:52:13.719 I get your texts immediately. Seven four seven nine nine 908 00:52:13.840 --> 00:52:20.039 nine fifty two eighty. That's seven four seven nine nine 909 00:52:20.159 --> 00:52:29.599 nine fifty two eighty. So that is a texting number. 910 00:52:29.639 --> 00:52:32.599 You can do it anytime and I'll get it. Now. 911 00:52:32.679 --> 00:52:35.039 We also have an iHeart number. It's a short code. 912 00:52:35.039 --> 00:52:37.760 They call it fives and thirty nine. You can text 913 00:52:37.800 --> 00:52:38.199 me there. 914 00:52:39.159 --> 00:52:42.159 Okay, Now, Tom, I have a question. 915 00:52:42.320 --> 00:52:44.000 This is one of the texts, by the way, that's 916 00:52:44.039 --> 00:52:46.559 five seven seven three nine, or as I said, my 917 00:52:46.679 --> 00:52:49.440 Google number seven four seven nine nine nine fifty two eighty. 918 00:52:49.599 --> 00:52:53.079 Now that Google number, you can text me around the clock, okay. 919 00:52:53.440 --> 00:52:55.480 That it doesn't have to be just during the show. 920 00:52:55.880 --> 00:53:00.000 You can also ask me about Wave eight Wealth Management, 921 00:53:00.039 --> 00:53:03.039 and if you want my financial advisement firm. You can 922 00:53:03.119 --> 00:53:06.000 ask about anything about the show, whatever you want at 923 00:53:06.000 --> 00:53:12.239 that number. Now, let's talk about this one question I got. Okay, Tom, 924 00:53:12.280 --> 00:53:13.920 I have a question for the lady that has an 925 00:53:13.960 --> 00:53:20.000 apartment with mold and they say they're doing dumpster diving. 926 00:53:21.679 --> 00:53:26.000 I don't think that can be any healthier or could 927 00:53:26.039 --> 00:53:28.199 be even worse than the house they're living in. You know, 928 00:53:28.280 --> 00:53:31.079 I never did you think, well that I didn't catch 929 00:53:31.119 --> 00:53:31.880 on to catch that. 930 00:53:32.000 --> 00:53:34.360 Yeah, of course that's not good for you either. 931 00:53:34.480 --> 00:53:37.199 But this woman sounds like she's a very limited means 932 00:53:37.239 --> 00:53:39.280 and it doesn't sound like she has any other They're 933 00:53:39.280 --> 00:53:41.760 going for metal scrap, right, yeah, there's Yeah, she calls 934 00:53:41.760 --> 00:53:44.239 herself a scrap or so she picks up scrap metals 935 00:53:44.280 --> 00:53:46.480 where she can, and then she sells them to the recycler. 936 00:53:46.639 --> 00:53:48.679 I can't believe how many people just texted me this. 937 00:53:48.800 --> 00:53:52.440 Another one just said, Tom, I can't believe a woman 938 00:53:52.519 --> 00:53:55.440 is worried about mold and goes out and does dumpster 939 00:53:55.559 --> 00:53:57.519 diving random dumpsters. 940 00:53:57.559 --> 00:54:00.840 Sad it is, now Wow. 941 00:54:01.000 --> 00:54:03.159 That doesn't mean it makes the mold okay though. 942 00:54:03.280 --> 00:54:06.519 Just because you're doing something that's extremely unhealthy doesn't mean 943 00:54:06.519 --> 00:54:08.599 that you should not try to eliminate one of the 944 00:54:08.679 --> 00:54:12.119 unhealthy parts of your life. 945 00:54:13.360 --> 00:54:22.360 People want to know if when I am on PARA, that's. 946 00:54:22.199 --> 00:54:24.119 A public employee retirement to account. 947 00:54:24.280 --> 00:54:25.239 That's when you're a teacher. 948 00:54:25.360 --> 00:54:32.039 Right, If I'm on PARA and my husband dies, do 949 00:54:32.079 --> 00:54:33.719 I get any of his benefit. 950 00:54:35.440 --> 00:54:38.239 Now, who would know about that? I'm gonna I'm gonna 951 00:54:38.239 --> 00:54:38.840 look that up. 952 00:54:41.199 --> 00:54:41.480 Tell him. 953 00:54:41.480 --> 00:54:44.440 Have a question about cost basis while we're still on 954 00:54:44.440 --> 00:54:44.960 that topic. 955 00:54:45.079 --> 00:54:46.599 Oh, cost basis on real estate. 956 00:54:46.599 --> 00:54:49.639 Go ahead, So I live in an HOA that's about 957 00:54:49.679 --> 00:54:54.800 to collect a huge special assessment for improvements like upgrading carpeting, 958 00:54:55.199 --> 00:54:55.599 putting in. 959 00:54:55.679 --> 00:54:57.960 Nicer light fixtures. You know what, I just got socked 960 00:54:57.960 --> 00:54:58.440 with one here. 961 00:54:59.400 --> 00:55:00.599 It's like fourteen one thousand bucks. 962 00:55:00.679 --> 00:55:04.400 Dude, So can I add now it's not for repairs, 963 00:55:04.480 --> 00:55:06.320 it's for upgrades, can I? 964 00:55:06.400 --> 00:55:06.599 Yeah? 965 00:55:06.639 --> 00:55:10.079 That's my cost basis absolutely, really the entire thing. Now, 966 00:55:10.199 --> 00:55:12.440 if it's normal maintenance, you can, but you can if 967 00:55:12.480 --> 00:55:17.960 it's like a parking lot or painting or absolutely new carpets. 968 00:55:19.119 --> 00:55:20.920 Absolutely for the lobby. 969 00:55:21.039 --> 00:55:22.960 Yes, absolutely, is it really? 970 00:55:23.039 --> 00:55:25.519 Is it a hundred added to my Yes? 971 00:55:25.719 --> 00:55:28.960 I mean because now if it's not all for that, 972 00:55:29.079 --> 00:55:31.360 if they say it's part for insurance, and you have 973 00:55:31.440 --> 00:55:33.599 to figure out what part of it, this is stricting. 974 00:55:33.599 --> 00:55:35.840 In fact, I'd go so far is to be a 975 00:55:35.840 --> 00:55:40.480 little more aggressive, and I would say this, not only 976 00:55:41.800 --> 00:55:48.320 was that assessment my portion of that upgrade, but part 977 00:55:48.360 --> 00:55:53.039 of my regular monthly h OA went to the surplus 978 00:55:53.079 --> 00:55:53.760 that paid for that. 979 00:55:54.239 --> 00:55:58.039 Which it does every month apart, I'm kind of a fund. 980 00:55:58.199 --> 00:56:01.199 That's right, and to the extent that fund is used, 981 00:56:01.599 --> 00:56:05.719 it gets added prota to your basis. Now to figure 982 00:56:05.760 --> 00:56:09.599 it out as difficult, but it's totally doable. In other words, 983 00:56:09.880 --> 00:56:13.320 let's say people that you have an HUA fee and 984 00:56:13.360 --> 00:56:16.119 they're going to do upgrades. As Deputy d just said, 985 00:56:17.280 --> 00:56:20.360 now on these upgrades, you know what your assessment is. 986 00:56:20.440 --> 00:56:24.360 That's automatically added to your basis if it's all for upgrades, 987 00:56:24.400 --> 00:56:28.679 permanent upgrades now not for blowing leaves or cleaning. Okay, 988 00:56:28.840 --> 00:56:32.039 so now our roof is permanent upgrades. So now you 989 00:56:32.159 --> 00:56:37.000 have added to your basis. But they also say that 990 00:56:37.440 --> 00:56:43.159 is we're running short because we only had two hundred 991 00:56:43.280 --> 00:56:49.000 thousand in the account and we need more. So that 992 00:56:49.119 --> 00:56:53.639 two hundred what portion of that two hundred was yours? 993 00:56:54.320 --> 00:56:56.199 If you can figure it out for when you live 994 00:56:56.280 --> 00:56:59.599 there and how long they've been accumulating the surplus. 995 00:56:59.599 --> 00:57:03.079 That added to your basis, You never thought of that. 996 00:57:03.239 --> 00:57:06.280 No, it's the same exact expenditure if you make a 997 00:57:06.280 --> 00:57:10.320 monthly payment and it's for maintenance and stuff that doesn't 998 00:57:10.320 --> 00:57:14.639 get added, But if they're doing upgrades or capital improvements, 999 00:57:15.119 --> 00:57:18.800 that portion of your HOA payment does go to your basis. 1000 00:57:19.159 --> 00:57:22.000 And what kind of a professional would I consult who 1001 00:57:22.000 --> 00:57:24.880 would come up with this official spreadsheet that I can 1002 00:57:24.960 --> 00:57:27.199 then defend used to defend my position. 1003 00:57:27.440 --> 00:57:29.760 If the irs ever sticks their nose into. 1004 00:57:29.760 --> 00:57:34.079 Well, yeah, but they're not stupid. You just do a spreadsheet. 1005 00:57:34.079 --> 00:57:36.559 I mean, I mean, no one ever gives you a 1006 00:57:36.559 --> 00:57:39.000 hard time if the numbers don't lie. I mean, if 1007 00:57:39.000 --> 00:57:42.239 you tried to take every monthly payment you made for 1008 00:57:42.280 --> 00:57:44.880 the HOA and say as part of my basis, it 1009 00:57:44.920 --> 00:57:45.599 wouldn't work. 1010 00:57:45.800 --> 00:57:47.920 But if you could show a certain portion of what. 1011 00:57:47.800 --> 00:57:51.880 You made went toward these improvements, absolutely, even without an assessment, 1012 00:57:52.320 --> 00:57:54.559 even if they told you, by the way, we're doing 1013 00:57:54.599 --> 00:57:56.880 painting upgrades, this this and this and this and this, 1014 00:57:57.960 --> 00:58:02.000 and you do not have to pain assessment. That portion 1015 00:58:02.679 --> 00:58:07.440 of your improvement is part of your basis. 1016 00:58:08.119 --> 00:58:08.800 That's amazing. 1017 00:58:09.039 --> 00:58:11.559 That's three oh three seven. Say you didn't think about that? 1018 00:58:11.599 --> 00:58:11.880 Did you? 1019 00:58:12.000 --> 00:58:12.320 Hunt? 1020 00:58:12.719 --> 00:58:15.039 And you thought you were in me? I think I 1021 00:58:15.079 --> 00:58:16.119 think deep down he did. 1022 00:58:16.760 --> 00:58:20.599 Hey, Gary the lazy boy. I'm not going to answer 1023 00:58:20.679 --> 00:58:22.119 the whole thing now, but I want to get started. 1024 00:58:22.159 --> 00:58:24.760 What's going on with it? Hey? 1025 00:58:24.840 --> 00:58:25.119 Tom? 1026 00:58:25.199 --> 00:58:27.440 Gary Hansen up with our PC in Loveland. 1027 00:58:28.400 --> 00:58:29.840 Gary, I love you, Gary? 1028 00:58:29.840 --> 00:58:30.440 What's going on? 1029 00:58:31.639 --> 00:58:31.920 You know? 1030 00:58:32.079 --> 00:58:36.199 I in July, my wife and I went bought a 1031 00:58:36.280 --> 00:58:41.280 sectional Lazy Boy furniture in Loveland or Fort Collins. Okay, 1032 00:58:41.559 --> 00:58:46.719 long story, Sure, we paid nearly twelve thousand dollars for 1033 00:58:46.840 --> 00:58:54.079 these couches. They delivered the couch mid September. There was 1034 00:58:54.199 --> 00:58:57.400 damage to the couch to the point where pieces have 1035 00:58:57.559 --> 00:59:01.239 to be replaced. It wasn't but together to where it 1036 00:59:01.360 --> 00:59:04.679 functioned like it should. Long story short, We sit here 1037 00:59:04.719 --> 00:59:09.280 now middle of December and still don't have a functioning 1038 00:59:09.400 --> 00:59:10.280 couch in our house. 1039 00:59:11.360 --> 00:59:14.480 They now, did you notice the damage before it? Did 1040 00:59:14.519 --> 00:59:17.480 you notice the damage Gary before they dropped it? Or 1041 00:59:17.639 --> 00:59:20.039 and they took it back right away? Or did it 1042 00:59:20.079 --> 00:59:21.360 take a few weeks or whatever? 1043 00:59:22.639 --> 00:59:25.360 No, they were contacted the next day after we had 1044 00:59:25.400 --> 00:59:27.159 a chance to look at it and told that it 1045 00:59:27.199 --> 00:59:30.440 wasn't okay, got it, except it wasn't acceptable, and we 1046 00:59:30.519 --> 00:59:34.039 filed We filed a a case. 1047 00:59:33.800 --> 00:59:37.599 With them, and they they did not dispute it. They 1048 00:59:37.599 --> 00:59:38.840 did not dispute it right. 1049 00:59:40.000 --> 00:59:40.079 No. 1050 00:59:40.239 --> 00:59:42.559 In fact, they had a guy come to our home 1051 00:59:43.239 --> 00:59:45.239 a week or two later and looked at it and 1052 00:59:45.280 --> 00:59:49.639 inspected it, and he ordered one completely the corner piece, 1053 00:59:49.679 --> 00:59:53.039 the rounded corner piece. They ordered a whole new section 1054 00:59:53.239 --> 00:59:55.599 there because that one was damaged bad enough that he 1055 00:59:55.760 --> 00:59:58.320 just said it would cost them more to to repair 1056 00:59:58.320 --> 00:59:58.920 it than to get. 1057 00:59:58.920 --> 01:00:01.679 Did they take the whole thing? Backers is to Did 1058 01:00:01.719 --> 01:00:03.880 they take the whole thing? Backers is still in your home? 1059 01:00:05.119 --> 01:00:08.320 I was still sitting in my home all right now. 1060 01:00:08.159 --> 01:00:11.639 Hang on, We'll come right back on Tom Martin. Hang on, Garrey, 1061 01:00:11.639 --> 01:00:13.239 I come right back to you on Tom Martino. More 1062 01:00:13.280 --> 01:00:20.599 coming up. Go with a sure thing Denver's best roofer 1063 01:00:20.719 --> 01:00:23.639 Excel Roofing dot com. You don't pay a cent until 1064 01:00:23.679 --> 01:00:30.119 you're content. Time for an insurance check up free, no obligation. 1065 01:00:30.159 --> 01:00:34.000 In comparison, call Compass Insurance paying too much your coverage 1066 01:00:34.000 --> 01:00:36.639 at dozens of insurance companies find out now three oh 1067 01:00:36.719 --> 01:00:39.199 three seven seven to one help. You'll think you're his 1068 01:00:39.360 --> 01:00:41.960 only customer when you choose Frank durand the real estate 1069 01:00:42.000 --> 01:00:45.280 Man dot com to list your home with Remax Alliance 1070 01:00:45.519 --> 01:00:50.760 three oh three nine two zero sixteen twenty two. Hey 1071 01:00:51.280 --> 01:00:55.159 Tom Martino here three O three seven on three talks 1072 01:00:55.199 --> 01:00:59.360 seven one three, eight two five five. All right, so 1073 01:00:59.400 --> 01:01:03.360 we're talking to Gary about the lazy boy. We're gonna 1074 01:01:03.360 --> 01:01:06.920 get somebody to help you. But here's the bottom line. 1075 01:01:07.000 --> 01:01:11.480 Let me recap. It was delivered. You notice damage. You 1076 01:01:11.639 --> 01:01:14.119 told them about it. They said they would get it fixed. 1077 01:01:14.239 --> 01:01:17.559 Bottom line, it hasn't been fixed. And it's been since 1078 01:01:17.599 --> 01:01:23.199 September and now it's December, right, three months. 1079 01:01:23.280 --> 01:01:27.360 Yes, the couch was ordered in July, they delivered it, 1080 01:01:27.480 --> 01:01:29.719 got it Miptember, mid Deptember. 1081 01:01:30.039 --> 01:01:30.280 Yeah. 1082 01:01:30.360 --> 01:01:35.159 Now when you say that it doesn't have this is 1083 01:01:35.199 --> 01:01:38.480 what I don't understand this part. It doesn't function properly. 1084 01:01:38.519 --> 01:01:39.239 What does that mean? 1085 01:01:41.039 --> 01:01:43.480 When you're sitting the one recliner on the with the 1086 01:01:43.559 --> 01:01:47.800 left arm rest and lean back and then you it's crooked. 1087 01:01:47.880 --> 01:01:51.159 It's something in there's loosen, doesn't It doesn't functions? 1088 01:01:51.280 --> 01:01:54.119 Show Now when you call when when's the last time? 1089 01:01:54.320 --> 01:01:56.480 When's the last time Gary you called and asked him 1090 01:01:56.519 --> 01:01:56.960 about it? 1091 01:01:58.199 --> 01:02:01.280 Oh, we've my wife is came indicated with them Tom 1092 01:02:01.320 --> 01:02:04.280 probably with five or six emails and phone calls, and 1093 01:02:04.320 --> 01:02:07.000 we've had people in our home a couple of times 1094 01:02:07.039 --> 01:02:11.519 looking at it. The last communication we had was probably 1095 01:02:12.320 --> 01:02:17.559 mid November where they said, Park, what's what's carry? 1096 01:02:17.719 --> 01:02:19.239 Did you pay for this with a credit card? 1097 01:02:20.880 --> 01:02:21.079 Oh? 1098 01:02:21.239 --> 01:02:24.519 Yes, you know, if you file a dispute, that will 1099 01:02:24.519 --> 01:02:25.239 get their attention. 1100 01:02:25.679 --> 01:02:25.920 I can. 1101 01:02:26.599 --> 01:02:28.559 Oh, they want I mean it sounds like a couple 1102 01:02:28.599 --> 01:02:31.599 of thousand bucks of couches, so they want that money. 1103 01:02:31.840 --> 01:02:37.599 It's twelve thousand, twelve thousand filed the dispute ODIT card company. Gary, 1104 01:02:37.639 --> 01:02:42.039 What what twelve thousand? What was it a couch? 1105 01:02:42.119 --> 01:02:43.000 It was a sectional? 1106 01:02:43.079 --> 01:02:46.559 You said, yeah, both square around the corner and fits 1107 01:02:47.079 --> 01:02:49.599 in our in our TV room. 1108 01:02:49.599 --> 01:02:52.320 And it's you know, and what really sucks is Christmas 1109 01:02:52.440 --> 01:02:54.679 is coming up right, and you want it, you know, 1110 01:02:55.039 --> 01:02:58.519 no doubt want it. Yeah, I don't blame you. Gary. Listen, 1111 01:03:00.079 --> 01:03:04.199 we're gonna have a deputy dollar he volunteered to call 1112 01:03:04.239 --> 01:03:06.559 over there. I think we need we really do need 1113 01:03:06.599 --> 01:03:08.079 to light a fire on this one. 1114 01:03:10.000 --> 01:03:13.079 We just need to hold on get Yeah. 1115 01:03:13.360 --> 01:03:15.360 Yeah, Tom, you know I'm not free lower. 1116 01:03:15.159 --> 01:03:18.039 And I certainly pay for what I do. Yah, gosh, 1117 01:03:18.239 --> 01:03:20.599 what point do I say? Come get the bancounts. I'm 1118 01:03:20.639 --> 01:03:23.079 tired of fighting this. My wife gets heart sick every 1119 01:03:23.079 --> 01:03:24.199 time she walks by it. 1120 01:03:25.079 --> 01:03:29.440 I think, I think you're something. I think you're I 1121 01:03:29.480 --> 01:03:33.199 think you'd be uh, you'd be reasonable to do it now. Yeah, 1122 01:03:33.679 --> 01:03:38.039 except if they truly did order something new. Remember you 1123 01:03:38.199 --> 01:03:40.960 ordered it in July and it took three months to 1124 01:03:41.000 --> 01:03:45.400 get there, so it's possible that it takes another three months. Well, 1125 01:03:45.480 --> 01:03:48.159 it has been three months, so let's let Dollar look 1126 01:03:48.199 --> 01:03:51.880 into it and then we'll advise you accordingly. All right, three, 1127 01:03:51.920 --> 01:03:55.320 all three seven? One, Thank you, Gary. We'll be in 1128 01:03:55.360 --> 01:03:58.719 touch man. And that's Gary from ourpacecenter dot com retirement 1129 01:03:58.719 --> 01:04:01.360 planning center of the Rockies. We do a lot of 1130 01:04:01.360 --> 01:04:05.679 business for them and Mark. You have a comment on Paris. 1131 01:04:05.719 --> 01:04:08.480 Somebody wanted to know they're on para. They want to 1132 01:04:08.519 --> 01:04:10.719 know of their husband or their husband. Let's see, I 1133 01:04:10.760 --> 01:04:15.559 think their husband did die suddenly and they said they 1134 01:04:15.599 --> 01:04:20.000 did not fifteen years And when my husband died, I 1135 01:04:20.719 --> 01:04:23.760 was not given any of his Social Security except for 1136 01:04:23.760 --> 01:04:25.639 a one time payment. Why is that? 1137 01:04:25.760 --> 01:04:28.320 If she was on para. 1138 01:04:28.559 --> 01:04:33.599 Para has three options when you retire. One is you 1139 01:04:33.639 --> 01:04:39.360 can take your full amount of your retirement for yourself 1140 01:04:39.559 --> 01:04:42.960 and when you die, that's it. Para is over. Okay, 1141 01:04:43.039 --> 01:04:46.760 you could take option two, where you say I will 1142 01:04:46.760 --> 01:04:50.199 take less money now on a monthly basis, but when 1143 01:04:50.199 --> 01:04:54.159 I die, my spouse will get X amount of money 1144 01:04:54.239 --> 01:04:57.880 for a certain period of time and then that part's 1145 01:04:57.920 --> 01:05:02.480 did okay? And then and then option three is like 1146 01:05:02.639 --> 01:05:06.400 I will take even less, but when I die, my 1147 01:05:06.559 --> 01:05:09.480 wife will continue or my spouse will continue to get 1148 01:05:09.519 --> 01:05:14.000 my share until my death or her death. 1149 01:05:14.039 --> 01:05:17.079 Okay, I understand now, I'm not sure what your expertise is, 1150 01:05:17.079 --> 01:05:18.280 but that's all good. 1151 01:05:18.360 --> 01:05:19.760 Thank you for clarifying that. 1152 01:05:19.840 --> 01:05:23.000 Now, what yeah, go ahead, I'm a PARA retiree. 1153 01:05:24.440 --> 01:05:29.400 Okay, what would happen? What would happen though? If if 1154 01:05:29.519 --> 01:05:33.800 a woman is on PARA or not on well, yeah, 1155 01:05:33.840 --> 01:05:38.519 she's she works and uh okay, and then her husband dies, 1156 01:05:38.840 --> 01:05:41.639 what happens to that social Security does she get? She's 1157 01:05:41.679 --> 01:05:47.599 saying she did not get a survivor's benefit, right, so, uh. 1158 01:05:47.280 --> 01:05:51.440 I'm not real sure about that. One thing is with 1159 01:05:51.679 --> 01:05:56.000 if you're on PARA, you get a very minimal amount 1160 01:05:56.079 --> 01:05:58.519 of your Social Security no matter how much you've earned. 1161 01:05:59.519 --> 01:06:02.519 So another where I would be eligible for about seven 1162 01:06:02.559 --> 01:06:05.920 hundred dollars a month in Social Security, but Social Security 1163 01:06:05.960 --> 01:06:09.039 won't give it to me because I have a pension, 1164 01:06:10.000 --> 01:06:12.400 and they say it's a big windfall tax because we're 1165 01:06:12.440 --> 01:06:14.639 such billionaires in education. 1166 01:06:21.199 --> 01:06:22.000 I don't get it. 1167 01:06:23.400 --> 01:06:26.480 I don't either, But what it is is, so I'm 1168 01:06:26.519 --> 01:06:30.239 eligible for seven hundred dollars a month from Social Security 1169 01:06:30.280 --> 01:06:33.599 from the time before I was a school psychologist, and 1170 01:06:33.599 --> 01:06:38.000 then I get it after one and so the government says, well, 1171 01:06:38.039 --> 01:06:41.880 since you get a pension, you don't get your Social Security. 1172 01:06:41.880 --> 01:06:47.719 You'll get like one hundred dollars a month. So maybe 1173 01:06:48.280 --> 01:06:51.000 it has something. Maybe it has something to do with that, 1174 01:06:51.159 --> 01:06:55.360 because he probably wasn't pulling very much on his Social Security. 1175 01:06:55.880 --> 01:06:58.199 They probably gave her a flat amount that I don't know. 1176 01:06:58.320 --> 01:07:00.800 I'm guessing there. 1177 01:07:01.280 --> 01:07:02.960 Here's what it says on the site. 1178 01:07:03.719 --> 01:07:08.639 Since you worked fifteen years under PARA, it's likely that 1179 01:07:08.719 --> 01:07:12.039 you did not pay Social Security taxes during that time, 1180 01:07:13.280 --> 01:07:19.039 so you are exempt from Social Security. This means that 1181 01:07:19.199 --> 01:07:24.119 any survivor benefits you may receive from your husband's could 1182 01:07:24.119 --> 01:07:25.000 be impacted. 1183 01:07:26.719 --> 01:07:30.599 So basically they're saying you. 1184 01:07:30.760 --> 01:07:34.880 Have to yourself be eligible for Social Security before you 1185 01:07:35.000 --> 01:07:37.320 get any survivor's benefits. 1186 01:07:38.519 --> 01:07:44.000 Sure, so he either did not work enough hours or 1187 01:07:44.119 --> 01:07:47.159 quarters or however they figured out for social to receive 1188 01:07:47.280 --> 01:07:48.239 Social Security. 1189 01:07:50.000 --> 01:07:52.000 I gotta take this break. I'm sorry, I'm really sorry. 1190 01:07:52.039 --> 01:07:53.679 I ran behind. We got more coming right up. 1191 01:07:57.880 --> 01:08:00.679 Go with a sure thing Denver's Best Room for Excel 1192 01:08:00.800 --> 01:08:03.880 Roofing dot com. You don't pay a cent until you're content. 1193 01:08:07.239 --> 01:08:10.440 Time for an insurance check up free, no obligation. In comparison, 1194 01:08:10.559 --> 01:08:14.119 call Compass Insurance paying too much your coverage at dozens 1195 01:08:14.119 --> 01:08:16.880 of insurance companies find out now three all three seven 1196 01:08:16.880 --> 01:08:19.239 to seven to one. Help. You'll think you're his only 1197 01:08:19.319 --> 01:08:21.800 customer when you choose Frank durand the real estate Man 1198 01:08:21.840 --> 01:08:25.239 dot com to list your home with Remax Alliance three 1199 01:08:25.319 --> 01:08:31.880 all three nine two zero sixteen twenty two. Hi, Tom Martino, 1200 01:08:32.920 --> 01:08:35.680 you're troubleshooter three all three seven one three talks seven 1201 01:08:35.720 --> 01:08:38.920 one three eight two five five. We got more coming 1202 01:08:39.000 --> 01:08:42.800 up on the Troubleshooter Show. Joe Canno in closing out 1203 01:08:42.800 --> 01:08:51.880 this hour, Certified Financial Planner fin fixed indextinuities. Joe, When 1204 01:08:52.000 --> 01:08:56.680 are annuities that produce income and guarantees most appropriate? Do 1205 01:08:56.760 --> 01:08:57.199 you believe? 1206 01:08:58.640 --> 01:09:00.800 Well, you know that depends on the cloud. And again, Tom, 1207 01:09:00.840 --> 01:09:04.640 you know, I believe that the older the client gets, 1208 01:09:04.760 --> 01:09:10.520 or they get nearing retirement annuity has become a fantastic 1209 01:09:10.920 --> 01:09:15.800 asset to have because of the guarantees that annuities provide. 1210 01:09:16.520 --> 01:09:21.880 So somebody that is concerned about having a guaranteed income, 1211 01:09:22.319 --> 01:09:25.800 you see, there's a big difference between building an account. 1212 01:09:25.479 --> 01:09:28.560 No, I get it, I get it, and having an 1213 01:09:28.600 --> 01:09:30.199 income for the rest of our lives. 1214 01:09:30.239 --> 01:09:33.800 And you know, just like Social Security, Tom, we're drawing it. 1215 01:09:34.359 --> 01:09:36.800 You know, we get to paycheck every single day into 1216 01:09:36.880 --> 01:09:39.840 the mailbox or the bank account. You have an annuity, 1217 01:09:40.079 --> 01:09:44.159 you have another guarantee payment coming in. People want income, 1218 01:09:44.600 --> 01:09:50.159 So I believe the annuities become tremendously informant for people 1219 01:09:50.359 --> 01:09:51.720 nearing the environment. 1220 01:09:53.359 --> 01:09:55.479 My Money, Myway dot com. We got more coming up 1221 01:09:55.479 --> 01:10:00.119 on the Troubleshooter Show. Go with a Sure Thing, Denvers, 1222 01:10:00.239 --> 01:10:02.159 Rufer Excel Roofing dot com. 1223 01:10:02.199 --> 01:10:04.239 You don't pay a cent until you're content. 1224 01:10:07.600 --> 01:10:10.800 Time for an insurance check up free no obligation comparison 1225 01:10:10.920 --> 01:10:14.479 call Compass Insurance, pay too much your coverage at dozens 1226 01:10:14.520 --> 01:10:17.239 of insurance companies find out now three oh three, seven 1227 01:10:17.319 --> 01:10:20.159 seven to one help. You'll think you're his only customer 1228 01:10:20.199 --> 01:10:22.439 when you choose Frank durand the Real Estate Man dot 1229 01:10:22.479 --> 01:10:25.800 com to list your home with Remax Alliance three oh 1230 01:10:25.840 --> 01:10:27.720 three nine two zero sixteen twenty two. 1231 01:10:33.640 --> 01:10:38.920 Ript you needed, that's who you don't have? 1232 01:10:41.600 --> 01:10:43.600 Run anxious as fast as we can. 1233 01:10:44.880 --> 01:10:46.159 Shooter's gonna help. 1234 01:10:46.439 --> 01:10:55.359 Come Dix is the Troubleshooter Show. Now, Tom Martino, Hi, 1235 01:10:55.560 --> 01:10:59.359 Tom Martino here, and I welcome you to the show. 1236 01:10:59.479 --> 01:11:04.039 Let's talk. Let's wind up this week, going into Christmas 1237 01:11:04.079 --> 01:11:07.119 Week and then into New Year's Week and then into 1238 01:11:08.239 --> 01:11:11.000 blah January twenty twenty. 1239 01:11:10.680 --> 01:11:14.119 Five, in the year twenty five, twenty five? 1240 01:11:14.199 --> 01:11:16.760 Wait, wait, wait, that wasn't the song, was it in 1241 01:11:16.800 --> 01:11:17.720 the year twenty five? 1242 01:11:18.359 --> 01:11:20.720 She wasn't talking about just next year? 1243 01:11:20.840 --> 01:11:24.439 Right? Do I have the words wrong? People? Come on, Dragon, 1244 01:11:24.520 --> 01:11:25.239 help me out here. 1245 01:11:25.479 --> 01:11:28.640 Share there's many digulous No no, no, no, further and further. 1246 01:11:28.680 --> 01:11:34.520 That wasn't share. No, no, no, no, no, no no oh. Oh. Anyway, 1247 01:11:35.119 --> 01:11:37.880 you know what I remember the World's Fair telling me 1248 01:11:37.960 --> 01:11:42.279 that in twenty five, in twenty twenty five, we'd be 1249 01:11:42.319 --> 01:11:46.520 all flying around in little hovercrafts. Now, obviously drones have 1250 01:11:46.600 --> 01:11:50.479 come a long way, but we're not quite there yet. 1251 01:11:51.079 --> 01:11:54.680 Do you remember, No, twenty five twenty five, that's what 1252 01:11:54.720 --> 01:11:57.119 it was. Twenty five twenty five, in the year twenty 1253 01:11:57.119 --> 01:11:59.520 five to twenty not in the year twenty twenty five. 1254 01:12:00.079 --> 01:12:02.920 But I'd rather be in the year twenty twenty five. 1255 01:12:03.199 --> 01:12:06.960 If man is to aive. No, let's uh, what would 1256 01:12:07.000 --> 01:12:11.000 the lyrics be for twenty twenty five, in the year 1257 01:12:11.079 --> 01:12:15.960 twenty twenty five where the woke did not survive? Okay? 1258 01:12:16.079 --> 01:12:16.840 Is he like that? One? 1259 01:12:18.399 --> 01:12:18.560 No? 1260 01:12:18.800 --> 01:12:20.920 Okay? Three oh three seven one three? 1261 01:12:20.920 --> 01:12:21.079 Talk? 1262 01:12:21.119 --> 01:12:23.159 Give us a call, tell us what's on your mind. 1263 01:12:23.479 --> 01:12:26.640 I have Joe Kannah with me, and he is a 1264 01:12:26.640 --> 01:12:32.439 certified financial plan Jordan Now, okay, Jordan, Now, I'm gonna 1265 01:12:32.520 --> 01:12:35.760 I'm gonna talk here, and I want people to know something. 1266 01:12:37.279 --> 01:12:41.439 My desire and obligation. 1267 01:12:42.439 --> 01:12:47.159 In the financial world, truly, I'm honest to God now 1268 01:12:47.279 --> 01:12:55.479 is to be transparent, honest, forthright and helpful really really, 1269 01:12:55.520 --> 01:12:59.159 really really you can't survive without it. That's what Jordan 1270 01:12:59.279 --> 01:13:02.640 and his father are are. That's what Retirement Planning Center 1271 01:13:02.640 --> 01:13:06.399 of the Rockies, That's what everyone we deal with, VISTERA Investments, 1272 01:13:06.520 --> 01:13:08.720 VISTERA Turnkey Barry Miller. 1273 01:13:10.600 --> 01:13:12.399 And people have been asking me. 1274 01:13:13.039 --> 01:13:19.399 Tom, basically, you know you do Wave eight financial management. 1275 01:13:19.800 --> 01:13:23.199 I've had these texts that I haven't read necessarily. Some 1276 01:13:23.239 --> 01:13:27.119 of them are too complicated. But this one says, you know, 1277 01:13:28.199 --> 01:13:33.199 you talk about investing and investment management and Joe talks 1278 01:13:33.199 --> 01:13:37.239 about getting away from the stock market and having the 1279 01:13:37.279 --> 01:13:44.159 security of the fixed indexed annuity. That's true, and there's 1280 01:13:44.279 --> 01:13:47.199 room for both strategies. 1281 01:13:47.680 --> 01:13:48.359 It depends. 1282 01:13:48.439 --> 01:13:53.000 I've said this before with investing, there are a number 1283 01:13:53.039 --> 01:13:56.119 of factors you look. You look for Jordan, you can 1284 01:13:56.319 --> 01:14:00.359 chime in. One is, first of all, the eyes of 1285 01:14:00.479 --> 01:14:05.600 your portfolio. Correct the smaller your age, the smaller your porfo, 1286 01:14:06.119 --> 01:14:11.159 the smaller your portfolio, the less diversity you should have, 1287 01:14:12.479 --> 01:14:18.399 and the more security okay, or say more conservation conservative 1288 01:14:18.800 --> 01:14:21.279 doesn't mean it has to be one. But so what 1289 01:14:21.319 --> 01:14:26.279 I'm saying is this, with a small portfolio, and I'd 1290 01:14:26.279 --> 01:14:30.920 say a small portfolio. 1291 01:14:31.840 --> 01:14:36.000 Is fifty thousand or smaller, would you say. 1292 01:14:37.279 --> 01:14:40.439 Yeah, I would say that's an appropriate number. And same 1293 01:14:40.520 --> 01:14:42.840 with kind of chiming in on that part. I think 1294 01:14:42.920 --> 01:14:44.960 age is a big factor to exactly who you're bringing 1295 01:14:45.039 --> 01:14:47.279 up as well. You know also where you're atting so 1296 01:14:47.399 --> 01:14:50.000 for anybody who's in those ages, so you're forty and. 1297 01:14:50.039 --> 01:14:55.319 Unders, so with a small portfolio fifty grand or less, 1298 01:14:56.960 --> 01:14:58.000 do not diversify. 1299 01:14:58.079 --> 01:15:00.159 You find something very safe. 1300 01:15:00.399 --> 01:15:02.960 You can do government bonds, corporate bonds, you can do 1301 01:15:03.119 --> 01:15:03.720 different things. 1302 01:15:03.720 --> 01:15:05.680 That s and P five hundred fund. 1303 01:15:05.680 --> 01:15:08.920 Now I'm assuming when I say fifty thousand dollars portfolio, 1304 01:15:09.000 --> 01:15:12.159 that's not fifty thousand dollars of your total money. 1305 01:15:12.359 --> 01:15:13.640 Okay, let me explain this. 1306 01:15:14.359 --> 01:15:18.000 A portfolio for investing should be above and beyond an 1307 01:15:18.039 --> 01:15:24.640 emergency fund, above and beyond it, and only after you 1308 01:15:24.760 --> 01:15:31.239 pay off high interest debt. Having high interest debt and 1309 01:15:31.399 --> 01:15:35.479 investing is stupid. It eats away at your investment. High 1310 01:15:35.520 --> 01:15:37.760 interest debt. Do away with it. 1311 01:15:38.199 --> 01:15:40.640 First, get an emergency fund. 1312 01:15:41.479 --> 01:15:43.319 Then, if you have fifty thousand or less, you have 1313 01:15:43.359 --> 01:15:45.439 a small portfolio by today's standards. 1314 01:15:45.439 --> 01:15:47.439 And I don't mean that as an insult. 1315 01:15:48.439 --> 01:15:51.920 There should be no diversity, and your concentration should be 1316 01:15:51.960 --> 01:15:58.479 on security and liquidity, not an annuity. Not if that's 1317 01:15:58.479 --> 01:16:03.760 what you have Younger, As you get older, you want 1318 01:16:03.800 --> 01:16:07.199 to grow that, and then you want to think with 1319 01:16:07.319 --> 01:16:11.239 your time horizon. You want to start as you get older, 1320 01:16:12.720 --> 01:16:16.319 you want to start converting the equity products you have 1321 01:16:16.439 --> 01:16:22.960 that grow into income products that sustain, so you have 1322 01:16:23.039 --> 01:16:28.239 the growth phase and the sustenance phase. And obviously, when 1323 01:16:28.279 --> 01:16:33.439 you're working, that's all sustenance, that's income, and you convert 1324 01:16:33.479 --> 01:16:34.600 some of that to equity. 1325 01:16:35.279 --> 01:16:37.680 As you get older, that equity's got to. 1326 01:16:37.640 --> 01:16:41.760 Turn back to income, and as you get older, security 1327 01:16:41.800 --> 01:16:42.840 becomes more important. 1328 01:16:43.239 --> 01:16:44.720 So I think we can all agree on that. 1329 01:16:45.680 --> 01:16:50.119 So in my opinion, we gave an example of a baby, 1330 01:16:50.279 --> 01:16:55.840 a grandparent, grandparents buying a baby a ten thousand dollars annuity, 1331 01:16:56.439 --> 01:17:00.319 and what they would have at age fifty six stands 1332 01:17:00.359 --> 01:17:06.720 sixty five, and the numbers indicated, you know, like one 1333 01:17:06.760 --> 01:17:08.880 hundred grand or one hundred and fifty and then three 1334 01:17:09.000 --> 01:17:13.399 hundred and then four hundred. Now those numbers for straight 1335 01:17:13.479 --> 01:17:18.800 investing are dismal for somebody to do that with a baby. 1336 01:17:18.840 --> 01:17:22.640 It would not be appropriate, that's my opinion, absolutely not 1337 01:17:22.680 --> 01:17:24.640 be appropriate if. 1338 01:17:24.520 --> 01:17:29.239 You took that same amount of money and in real life. 1339 01:17:29.279 --> 01:17:34.199 Now I'm not talking about theoretically sixty years ago, fifty 1340 01:17:34.279 --> 01:17:35.960 years ago, sixty five years ago. 1341 01:17:35.880 --> 01:17:37.960 Just the same exact numbers. 1342 01:17:38.520 --> 01:17:42.520 Had you put ten grand in a straight indexed fund, 1343 01:17:43.279 --> 01:17:49.520 five ten thousand dollars when the baby sixty five years ago, 1344 01:17:49.560 --> 01:17:53.680 the baby's now sixty five or fifty years ago, the 1345 01:17:53.680 --> 01:17:57.680 baby's now fifty or or you know whatever, the same scenario. 1346 01:17:57.720 --> 01:18:00.359 I'm going to give you the numbers. That's why I 1347 01:18:00.439 --> 01:18:03.199 say there's an appropriate time for fixing index annuities, then 1348 01:18:03.199 --> 01:18:07.760 there's definitely not an appropriate time for fixed indexed annuities. 1349 01:18:08.199 --> 01:18:10.479 So I think what Joe and Jordan talk about a 1350 01:18:10.479 --> 01:18:14.319 lot is if you've accumulated a nest egg, all well 1351 01:18:14.359 --> 01:18:17.720 and good, now secure it into income. And that's a 1352 01:18:17.720 --> 01:18:20.439 great idea, by the way, not a bad idea at all. 1353 01:18:20.520 --> 01:18:23.920 But let's talk about the ten thousand dollars as a baby. 1354 01:18:24.880 --> 01:18:28.159 So the baby's a baby, grandparents want to do ten 1355 01:18:28.199 --> 01:18:31.119 thousand and when they did it in the annuity. Do 1356 01:18:31.159 --> 01:18:33.600 you have those figures still there that your dad did Jordan. 1357 01:18:34.760 --> 01:18:37.359 You know, let me pull them up here, give me 1358 01:18:37.479 --> 01:18:39.159 one second, but I'm looking at them right down here. 1359 01:18:39.279 --> 01:18:43.479 Sure, I just want, like I said, I love I 1360 01:18:43.479 --> 01:18:44.520 love educating people. 1361 01:18:44.560 --> 01:18:46.720 I really do, by the way, it's a great thing. 1362 01:18:48.119 --> 01:18:53.920 And so basically, the ten thousand dollars in a straight 1363 01:18:54.560 --> 01:18:58.720 S and P indexed fund fifty sixty and sixty five 1364 01:18:58.800 --> 01:19:10.239 years ago, and Joe's talking about fifty sixty and sixty 1365 01:19:10.279 --> 01:19:13.279 five years from now, to be fair, but it's gonna 1366 01:19:13.319 --> 01:19:17.560 be relatively the same in any case. 1367 01:19:18.760 --> 01:19:22.279 The numbers on an annuity as a baby, do you 1368 01:19:22.319 --> 01:19:22.680 have it. 1369 01:19:24.720 --> 01:19:24.840 All? 1370 01:19:24.960 --> 01:19:25.159 Right? 1371 01:19:25.279 --> 01:19:27.960 The argitia ran right now here, So that's do you 1372 01:19:28.000 --> 01:19:29.960 want to just a baby as a one year old? 1373 01:19:32.199 --> 01:19:34.399 Yeah? Or yeah or zero whatever? 1374 01:19:34.640 --> 01:19:38.000 And then it goes up to fifty, sixty and sixty five. 1375 01:19:38.039 --> 01:19:39.760 I'm sorry. I thought you still had the numbers your 1376 01:19:39.800 --> 01:19:43.760 dad had. I wanted to compare them. Okay, I'm gonna 1377 01:19:43.800 --> 01:19:45.920 let you run that. I'm gonna hold on now. I'll 1378 01:19:45.920 --> 01:19:47.600 come back to you three or three seven one three 1379 01:19:47.680 --> 01:19:50.119 talk seven one three or two five. I want to 1380 01:19:50.119 --> 01:19:55.439 just comparisons to real life scenarios and why I talk 1381 01:19:55.479 --> 01:20:01.840 about appropriateness of investments, of when, where, and nothing. Remember 1382 01:20:01.880 --> 01:20:05.880 I said this, nothing is as bad, nothing is as 1383 01:20:06.119 --> 01:20:10.800 good as people say. What's there is there, and what 1384 01:20:10.840 --> 01:20:15.520 you deal with is the reality of it. There's no magic. 1385 01:20:16.119 --> 01:20:17.920 I'm Tom Martinez. We have more coming up. 1386 01:20:18.039 --> 01:20:21.159 Any of your questions, problems, complaints and he follow ups. 1387 01:20:21.640 --> 01:20:24.319 Hit me with the follow ups, guys, and we'll talk 1388 01:20:24.359 --> 01:20:27.079 about this and more coming up on the Troubleshooter Show 1389 01:20:27.079 --> 01:20:29.840 three zero three seven one three talk waterpros dot net. 1390 01:20:30.640 --> 01:20:31.720 You know how I feel about him. 1391 01:20:32.000 --> 01:20:36.560 The best water systems anywhere for the price. I can 1392 01:20:36.800 --> 01:20:39.720 say enough about him this year and especially you better 1393 01:20:39.760 --> 01:20:41.880 take advantage of now. He may extend it past the 1394 01:20:41.880 --> 01:20:44.640 new year. You got to ask him. But a whole 1395 01:20:44.640 --> 01:20:50.319 house conditioning, whole house softening. 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You'll think you're his only customer 1406 01:21:30.960 --> 01:21:33.239 when you choose Frank durand the real estate Man dot 1407 01:21:33.279 --> 01:21:36.560 com to list your home with Remax Alliance three all 1408 01:21:36.600 --> 01:21:41.119 three nine two zero sixteen twenty two. I'm Tom Martino, 1409 01:21:41.640 --> 01:21:47.119 your trobleshooter. Okay, so we were talking about appropriateness of 1410 01:21:47.199 --> 01:21:52.159 investments and when to do what, And I say there's 1411 01:21:52.359 --> 01:21:55.039 time to do a little bit of everything, including real 1412 01:21:55.159 --> 01:21:59.960 estate depending on your time horizon, fixed indextinuities depending on 1413 01:22:00.119 --> 01:22:05.039 your time horizon, and stocks and bonds depending on your 1414 01:22:05.079 --> 01:22:07.520 time horizon. The one thing that I think is a 1415 01:22:07.520 --> 01:22:11.279 little more dangerous but not bad, are variable annuities. 1416 01:22:11.319 --> 01:22:13.039 A lot of people give those a bad name. 1417 01:22:13.640 --> 01:22:19.079 They're, in my opinion, only for sophisticated investors. The variable time. 1418 01:22:19.640 --> 01:22:20.039 That's it. 1419 01:22:20.159 --> 01:22:21.920 And I'm not going to talk about those right now. 1420 01:22:21.920 --> 01:22:25.000 But I asked the question, if you had a baby 1421 01:22:25.880 --> 01:22:28.560 year zero, just before they turn whatever, you know, they're 1422 01:22:28.680 --> 01:22:32.760 just born, you take out this annuity, and what would 1423 01:22:32.760 --> 01:22:35.560 the baby have at fifty years, sixty years, and sixty 1424 01:22:35.600 --> 01:22:40.479 five years. So we ran those numbers before and I 1425 01:22:40.560 --> 01:22:48.399 want to recap them. So at fifty, sixty and sixty 1426 01:22:48.399 --> 01:22:51.880 five years, if you put it away ten thousand dollars, 1427 01:22:51.960 --> 01:22:52.560 what would you have. 1428 01:22:54.199 --> 01:22:57.159 Yeah, so talking about fifty, you'd have just leaving it 1429 01:22:57.159 --> 01:22:59.159 as it would be about two hundred thousand dollars at 1430 01:22:59.239 --> 01:23:02.000 age fifty, at age sixty. 1431 01:23:01.760 --> 01:23:04.680 And it would have hold on and it would have 1432 01:23:04.840 --> 01:23:06.680 and it would have income. 1433 01:23:06.479 --> 01:23:11.199 Of how much income of right around sixty seven hundred. 1434 01:23:11.199 --> 01:23:12.680 And this is not laddering anything out. 1435 01:23:12.720 --> 01:23:15.760 This is just a straight shot when. 1436 01:23:15.560 --> 01:23:18.479 You say, okay, but this is sixty seven hundred. 1437 01:23:19.800 --> 01:23:23.319 A year. Okay, so yeah, I just want to tell 1438 01:23:23.359 --> 01:23:25.560 people again, this is not a trick. This is being 1439 01:23:25.600 --> 01:23:29.920 totally transparent. And there's a reason I'm saying this. If 1440 01:23:29.960 --> 01:23:33.760 you did the same exact thing fifty years ago with 1441 01:23:33.840 --> 01:23:37.079 an S and P five hundred fund and you put 1442 01:23:37.079 --> 01:23:42.079 ten grand in it, with actual numbers from the past 1443 01:23:42.239 --> 01:23:46.520 fifty years, you would have one million, one hundred seventy 1444 01:23:46.560 --> 01:23:49.920 three thousand, nine hundred dollars. You would have. 1445 01:23:50.119 --> 01:23:53.600 Almost one point eight million dollars. 1446 01:23:54.600 --> 01:23:58.119 So what would be the appropriate investment for a baby 1447 01:23:58.159 --> 01:24:00.680 that long ago or for a now? 1448 01:24:00.760 --> 01:24:03.880 It would not be an annuity. Okay, that's easy. 1449 01:24:04.640 --> 01:24:10.279 So here's the deal at sixty years, Jordan, there's a 1450 01:24:10.319 --> 01:24:13.199 reason I'm saying this, and the theory and what your 1451 01:24:13.239 --> 01:24:16.000 dad talks about conversion go ahead at sixty years. What 1452 01:24:16.039 --> 01:24:16.800 would you have. 1453 01:24:18.199 --> 01:24:20.479 Now at sixty This is where you know we're starting 1454 01:24:20.479 --> 01:24:23.479 to pick up some more speed, you know here obviously again, 1455 01:24:23.680 --> 01:24:25.520 and I'll kind of circle back with the lattering maybe 1456 01:24:25.520 --> 01:24:27.319 if he will Tom as well, just could I ran. 1457 01:24:27.239 --> 01:24:28.960 Bone no, no, go ahead? I want you to go 1458 01:24:29.000 --> 01:24:30.159 ahead at sixty years what. 1459 01:24:30.119 --> 01:24:30.560 Would you have? 1460 01:24:31.479 --> 01:24:33.720 Yes, so sixty years old, you know the idea is 1461 01:24:33.720 --> 01:24:35.600 for somebody like that, then you take it and get 1462 01:24:35.600 --> 01:24:36.079 that bone out. 1463 01:24:36.119 --> 01:24:37.840 How much would how much would the account be? 1464 01:24:37.960 --> 01:24:38.239 Jordan? 1465 01:24:38.720 --> 01:24:40.680 So at that point you're looking at right around three 1466 01:24:40.760 --> 01:24:44.319 hundred and eighty two thousand or in the uh what 1467 01:24:44.399 --> 01:24:46.039 we like to call and you know this, we'll be 1468 01:24:46.079 --> 01:24:50.439 closer about six hundred and sixty six six and sixty 1469 01:24:50.520 --> 01:24:53.159 nine thousand on the income bay side, and that's where 1470 01:24:53.159 --> 01:24:55.199 it's going to be hanging out the income which that 1471 01:24:55.239 --> 01:24:57.560 comes out to about thirty K year at age sixty 1472 01:24:58.199 --> 01:25:00.920 six hundred and sixty nine thousand guaranteed. 1473 01:25:03.319 --> 01:25:08.159 So the account value at ten thousand grows to six 1474 01:25:08.239 --> 01:25:09.520 hundred and sixty something. 1475 01:25:10.800 --> 01:25:11.479 That's correct. 1476 01:25:11.479 --> 01:25:13.800 If you look at the account value at three again, 1477 01:25:13.920 --> 01:25:16.439 this is where you want to start laddering out moving it. 1478 01:25:16.960 --> 01:25:19.039 This is what we strategize in and if you have 1479 01:25:19.159 --> 01:25:21.520 that on the income bay side, which these at that 1480 01:25:21.560 --> 01:25:22.920 point would be an appropriate thing. 1481 01:25:22.960 --> 01:25:25.279 What are you talking about? What are you talking about? Laddering? 1482 01:25:25.319 --> 01:25:27.239 I don't I don't understand what do you mean laddering? 1483 01:25:29.000 --> 01:25:32.119 The laddering basically just means that for somebody who start 1484 01:25:32.199 --> 01:25:35.039 at that young age of zero or one or so 1485 01:25:35.079 --> 01:25:37.640 many years, Yes, the ideas one of them pull it 1486 01:25:37.680 --> 01:25:39.359 over or put into another. 1487 01:25:39.439 --> 01:25:42.359 Oh, to another, to another, to another annuity. 1488 01:25:43.359 --> 01:25:46.319 Correct, correct, because then you would just okay, thing fixed, 1489 01:25:46.319 --> 01:25:49.239 indexed and ladder them just like a step of the ladder. 1490 01:25:49.399 --> 01:25:53.479 Okay, okay, good, good, okay. So if you laddered annuities, 1491 01:25:53.760 --> 01:25:56.880 you could be at sixty, you could be up to 1492 01:25:56.960 --> 01:26:00.000 six hundred thousand, six hundred almost seven. 1493 01:26:00.319 --> 01:26:02.920 You have six hundred and seventy and that'd be let's. 1494 01:26:02.760 --> 01:26:05.520 Say seven hundred thousand. Let's say let's say seven hundred 1495 01:26:05.560 --> 01:26:08.439 thousand with with thirty grand a year income. 1496 01:26:08.520 --> 01:26:08.960 Is that right? 1497 01:26:10.000 --> 01:26:10.680 That's correct? 1498 01:26:11.960 --> 01:26:14.840 Okay, So laddering is important, which means you don't just 1499 01:26:14.960 --> 01:26:16.720 leave it, but you take it out and redo it, 1500 01:26:16.760 --> 01:26:19.640 take it out and redo it each time, possibly getting 1501 01:26:19.640 --> 01:26:22.079 a benefit, a bonus whatever. 1502 01:26:22.199 --> 01:26:25.800 Right, Correct, you got you got the great idea of that. Yep, 1503 01:26:26.119 --> 01:26:28.239 And now would you like to add with a seventy 1504 01:26:28.279 --> 01:26:29.239 one of the next step up? 1505 01:26:30.359 --> 01:26:32.720 Now, hold on, hold on, So with an S and 1506 01:26:32.760 --> 01:26:35.840 P fund not touching it, at sixty, you would have 1507 01:26:35.960 --> 01:26:43.000 three million, fifty thousand, and uh, okay, So now let's 1508 01:26:43.039 --> 01:26:46.920 go to sixty five years. Still the S and P 1509 01:26:47.399 --> 01:26:49.399 would far outweigh even laddering. 1510 01:26:49.800 --> 01:26:51.079 Go ahead, what's the next one. 1511 01:26:51.880 --> 01:26:54.720 You're right about one million on that at sixty five, 1512 01:26:55.000 --> 01:26:58.600 and again that's assuming that ten thousand. Nothing else add it, 1513 01:26:58.680 --> 01:27:02.399 but sixty five getting about fifty k a year in 1514 01:27:02.399 --> 01:27:04.720 that example there, that's good. 1515 01:27:04.840 --> 01:27:07.560 And now that's laddering right at sixty five. 1516 01:27:08.680 --> 01:27:11.039 That's correct. That's assuming that we just took that from 1517 01:27:11.079 --> 01:27:14.439 fifty Yeah, basically lighted it up. You got it. So 1518 01:27:14.479 --> 01:27:15.840 you're your. 1519 01:27:15.439 --> 01:27:18.920 Kid good here, So you'd be at how much a million? 1520 01:27:19.800 --> 01:27:22.199 A million? Correct, yep, which is about fifty k year? 1521 01:27:23.520 --> 01:27:25.479 Okay, with an S and P fund, if you did 1522 01:27:25.479 --> 01:27:27.840 it and left it alone, you'd have five million, four 1523 01:27:27.920 --> 01:27:28.720 hundred thousand. 1524 01:27:29.600 --> 01:27:33.760 So at five million, four thirty. 1525 01:27:33.720 --> 01:27:38.359 Eight and that's at sixty five years old. And I'm 1526 01:27:38.399 --> 01:27:42.199 taking that, and then let's say at sixty five and 1527 01:27:42.239 --> 01:27:44.479 then do you do the income to age one hundred? 1528 01:27:44.520 --> 01:27:46.520 Basically correct? 1529 01:27:46.520 --> 01:27:48.319 You got it. Yeah, that's just showing up to one hundred. 1530 01:27:48.479 --> 01:27:53.159 So let's divide that by thirty five years. That would 1531 01:27:53.239 --> 01:27:57.039 give you an income every year with the S and 1532 01:27:57.039 --> 01:28:00.000 P of one hundred and fifty three hundred and eighty dollars. 1533 01:28:00.640 --> 01:28:03.319 If you just drew it down and did nothing else, 1534 01:28:03.640 --> 01:28:06.119 you get one hundred and fifty five thousand dollars a 1535 01:28:06.239 --> 01:28:09.680 year as opposed to an annuity. Now, why am I 1536 01:28:09.720 --> 01:28:12.239 saying all this? Is it because I'm saying annuities are bad? No, 1537 01:28:12.279 --> 01:28:14.680 I'm not. I'm not saying that at all. In fact, 1538 01:28:14.760 --> 01:28:17.960 I'm saying just the opposite. Here's what I'm saying. Joe 1539 01:28:18.039 --> 01:28:23.359 preaches that if you've built up a nest egg, there's 1540 01:28:23.399 --> 01:28:26.880 nothing wrong with building up a nest egg. No one 1541 01:28:27.359 --> 01:28:31.960 who's really young should worry about annuities. What they really 1542 01:28:32.000 --> 01:28:35.920 should do is if they've built up a nest egg 1543 01:28:36.439 --> 01:28:40.960 and want to secure it one hundred percent. Because remember 1544 01:28:41.239 --> 01:28:44.520 the S and B Fund, we're going off past history. 1545 01:28:44.560 --> 01:28:46.880 It never stays that it could be crash, it could 1546 01:28:46.920 --> 01:28:47.239 be You know. 1547 01:28:47.720 --> 01:28:51.640 What I'm saying is this, if you have a nest 1548 01:28:51.680 --> 01:28:55.439 egg in a four oh one k an essay, an 1549 01:28:55.439 --> 01:29:00.000 IRA or a retirement account, then you convert. 1550 01:29:00.439 --> 01:29:01.720 What's the benefit there? 1551 01:29:02.479 --> 01:29:02.640 Go? 1552 01:29:02.800 --> 01:29:08.800 As you get older, Jordan, that's going to be it keeps. 1553 01:29:08.600 --> 01:29:10.520 On stepping up each year. But you're looking at which age. 1554 01:29:10.560 --> 01:29:11.399 You're saying sixty five. 1555 01:29:12.079 --> 01:29:12.239 No. 1556 01:29:12.239 --> 01:29:14.359 No, what I'm saying is is when you do that, 1557 01:29:14.439 --> 01:29:16.600 you've locked it in and will never lose the time. 1558 01:29:17.680 --> 01:29:18.039 Correct. 1559 01:29:18.039 --> 01:29:20.159 Okay, that's huge saying yeah, so with the benefit, I 1560 01:29:20.199 --> 01:29:23.840 mean you you're basically just preserving it. You're making sure 1561 01:29:23.880 --> 01:29:26.119 that it can't step backwards. Now, I just want to 1562 01:29:26.159 --> 01:29:29.000 say one nope, effort again, these these ever and these 1563 01:29:29.079 --> 01:29:32.159 numbers are sharing are current, you know, last twenty years 1564 01:29:32.199 --> 01:29:33.479 figures from twenty twenty three. 1565 01:29:34.000 --> 01:29:35.600 No, I know, I know that, I know that. 1566 01:29:35.680 --> 01:29:39.000 Yeah, okay, yeah, on the market return because yeah, less 1567 01:29:39.359 --> 01:29:41.800 But to your point, you get that for preservation here, 1568 01:29:42.199 --> 01:29:45.039 and you also have some long term care built into there, 1569 01:29:45.159 --> 01:29:46.600 which is that doubler means. 1570 01:29:46.479 --> 01:29:47.279 Yeah, that's true. 1571 01:29:47.520 --> 01:29:50.199 You and you're having a two times now. 1572 01:29:51.479 --> 01:29:53.840 Now here's something that I want to bring out that 1573 01:29:54.000 --> 01:29:58.359 is very important. When I talk about funds, I don't 1574 01:29:58.359 --> 01:30:02.920 know one investor in the world that did a stock 1575 01:30:02.960 --> 01:30:07.520 fund and just left it alone. Where people get into 1576 01:30:07.520 --> 01:30:10.840 trouble and again this is another thing that your dad 1577 01:30:10.840 --> 01:30:13.520 and I talk about where people get into trouble, and 1578 01:30:13.720 --> 01:30:19.119 it happens ninety nine percent of the time. Financial advisors 1579 01:30:19.159 --> 01:30:23.479 in order to try to prove their value. They end 1580 01:30:23.560 --> 01:30:26.479 up moving people back and forth and all around trying 1581 01:30:26.479 --> 01:30:30.119 to catch the gains and avoid the losses. And if 1582 01:30:30.159 --> 01:30:34.239 you take a fund like that and a regular advisement fund, 1583 01:30:34.800 --> 01:30:38.920 you very seldom will have that growth at all, and 1584 01:30:38.960 --> 01:30:45.079 in fact could lose big time. And that's unfortunately, what 1585 01:30:45.199 --> 01:30:49.680 ninety nine percent of the market does. They I mean 1586 01:30:50.039 --> 01:30:52.239 over time, I mean they gain, they lose, They gain, 1587 01:30:52.279 --> 01:30:55.960 they lose. So you know, it's easier said than done, 1588 01:30:56.039 --> 01:30:59.840 is what I'm saying. So I just believe there's a 1589 01:30:59.880 --> 01:31:04.000 time and a place for all investments, including. 1590 01:31:03.520 --> 01:31:04.680 For example, real estate. 1591 01:31:06.279 --> 01:31:09.000 But you know, Jordan, as much as I love real estate, 1592 01:31:09.039 --> 01:31:12.159 there's a time you shouldn't be in real estate. There's 1593 01:31:12.199 --> 01:31:15.560 a time you should be in real estate. And the 1594 01:31:15.600 --> 01:31:19.720 way I look at it is this real estate in 1595 01:31:19.800 --> 01:31:24.000 the early stages of your life and mid stages have 1596 01:31:24.359 --> 01:31:30.199 tremendous appreciation. And the longer you keep it, however, the 1597 01:31:30.199 --> 01:31:35.079 more you catch up with possible capital expenses that you're 1598 01:31:35.079 --> 01:31:37.479 going to have to put into it. That's why Barry 1599 01:31:37.479 --> 01:31:41.479 Miller over at Vestera Turnkey recommends a three year horizon 1600 01:31:41.560 --> 01:31:42.399 for each rental. 1601 01:31:42.960 --> 01:31:44.720 Now that doesn't mean you have to do that. 1602 01:31:44.760 --> 01:31:46.800 There are a lot of people in Denvers listening to 1603 01:31:46.800 --> 01:31:48.840 me right now that have had rentals for twenty or 1604 01:31:48.840 --> 01:31:49.399 thirty years. 1605 01:31:49.840 --> 01:31:52.760 And if you have, they're fully depreciated. 1606 01:31:53.960 --> 01:31:57.680 You're getting income, but it's the worst income you could do. 1607 01:31:58.680 --> 01:32:02.279 It would be better. Your appreciation is almost topped out. 1608 01:32:02.520 --> 01:32:05.520 Oh yeah, it'll go up a little, but it won't 1609 01:32:05.560 --> 01:32:08.960 keep pace. So if you take an old er rental 1610 01:32:09.000 --> 01:32:11.439 you've had, I talked to somebody who had thirty years 1611 01:32:11.479 --> 01:32:14.600 they at a rental. I said, it's fully depreciated years 1612 01:32:14.640 --> 01:32:18.800 and years ago. So the tax benefits are less. You're 1613 01:32:18.840 --> 01:32:23.479 getting income it's paid for, but you also have eventual 1614 01:32:23.600 --> 01:32:26.640 capital expenses you absolutely cannot avoid. 1615 01:32:27.439 --> 01:32:29.159 And then they say, but it makes me income. 1616 01:32:29.960 --> 01:32:33.880 Do you realize you can sell that real estate at 1617 01:32:33.960 --> 01:32:38.920 its peak, capture that gain and put it into. 1618 01:32:38.720 --> 01:32:40.000 Even after paying tax. 1619 01:32:40.359 --> 01:32:45.560 You can put it into an income producing annuity or 1620 01:32:45.920 --> 01:32:51.600 even bonds and make income now without the threat of 1621 01:32:51.720 --> 01:32:56.359 capital improvements or any kind of real estate risk. Now, 1622 01:32:56.439 --> 01:33:00.479 what I'm saying is that is when you convert as 1623 01:33:00.479 --> 01:33:03.720 you get older. The mistake people make, I think Jordan, 1624 01:33:04.359 --> 01:33:08.079 they do one investment and it's they hold on to 1625 01:33:08.199 --> 01:33:11.239 it for life, and they never think about converting it 1626 01:33:11.279 --> 01:33:13.439 to safety. That's the problem. 1627 01:33:13.560 --> 01:33:17.680 True. And they trust, as you mentioned earlier, the advisors. 1628 01:33:17.920 --> 01:33:20.920 You know, they trust that the advisors are watching open their accounts. 1629 01:33:20.920 --> 01:33:23.720 But a lot of times those rings companies they're not. 1630 01:33:23.880 --> 01:33:25.479 They don't, they don't. 1631 01:33:25.600 --> 01:33:27.720 Or there or they're churning. Now. 1632 01:33:27.960 --> 01:33:30.840 The thing that and that's what Joe and Jordan emphasize, 1633 01:33:31.479 --> 01:33:36.840 is the time horizon to start choosing safety or income. 1634 01:33:36.960 --> 01:33:39.000 We got more coming up on The Troubleshooter Show three 1635 01:33:39.000 --> 01:33:41.079 all three seven one three talks seven one three A 1636 01:33:41.199 --> 01:33:48.520 two five five. Go with a sure thing Denver's best 1637 01:33:48.600 --> 01:33:51.439 roofer Excel Roofing dot com. You don't pay a cent 1638 01:33:51.680 --> 01:33:57.720 until you're content. Time for an insurance check up free, 1639 01:33:57.800 --> 01:34:01.560 no obligation. In comparison, call company insurance paying too much 1640 01:34:01.680 --> 01:34:04.600 your coverage at dozens of insurance companies find out now 1641 01:34:04.680 --> 01:34:07.199 three all three seven seven to one help. You'll think 1642 01:34:07.199 --> 01:34:09.800 you're his only customer when you choose Frank durand the 1643 01:34:09.840 --> 01:34:12.479 Real estate Man dot com to list your home with 1644 01:34:12.600 --> 01:34:20.520 Remax Alliance three all three nine two zero sixteen twenty two. 1645 01:34:20.880 --> 01:34:25.720 Hi Tom Martino, your Troubleshooter three O three seven one 1646 01:34:25.800 --> 01:34:30.920 three talks seven one three, eight, two, five, five eight 1647 01:34:30.960 --> 01:34:33.600 eight eight Heating dot Com don't forget gets your deep 1648 01:34:34.039 --> 01:34:38.600 clean for just forty five bucks eight eight eight Heating 1649 01:34:38.640 --> 01:34:46.439 dot Com Great people as well. Now we're taking your calls, questions, problems, 1650 01:34:46.520 --> 01:34:51.680 complaints about anything. And one thing I've been talking about 1651 01:34:52.239 --> 01:34:55.640 are the drones. And I would like to know if 1652 01:34:55.720 --> 01:35:02.920 anyone has a theory on the rones, any kind of 1653 01:35:02.920 --> 01:35:06.119 theory at all. So I want to ask Dragon, do 1654 01:35:06.159 --> 01:35:07.720 you have a theory? You've been you must have been 1655 01:35:07.720 --> 01:35:09.560 talking about them from time time. You have a theory 1656 01:35:09.600 --> 01:35:11.239 on them? Dragon, just come on, man. 1657 01:35:11.720 --> 01:35:13.600 I think of it as like the tide pod thing. 1658 01:35:13.760 --> 01:35:15.520 Maybe it was, you know, a half a dozen people 1659 01:35:15.640 --> 01:35:17.880 just having some fun night trying to see what's what, 1660 01:35:18.319 --> 01:35:19.800 and then now that it's hit, So really you. 1661 01:35:19.760 --> 01:35:22.399 Do think it's coincidental. It's basically coincidental. 1662 01:35:22.720 --> 01:35:24.720 Yeah, and more people are hearing about it, so it's like, oh, 1663 01:35:24.760 --> 01:35:26.399 I've got a drone, let me put mine up too 1664 01:35:26.439 --> 01:35:27.600 and see what's what's going on? 1665 01:35:27.680 --> 01:35:28.560 What is everybody doing? 1666 01:35:28.720 --> 01:35:31.479 So I don't I don't think it's that big of 1667 01:35:31.479 --> 01:35:34.000 a deal as it is presented to be. 1668 01:35:35.199 --> 01:35:35.760 I don't know. 1669 01:35:35.840 --> 01:35:38.960 I think These drones are all launched by the government. 1670 01:35:39.000 --> 01:35:41.399 These aren't toys. Some of these drones are about the 1671 01:35:41.439 --> 01:35:42.680 size of a Volkswagen. 1672 01:35:42.920 --> 01:35:44.840 Ninety percent of the lights that people are seeing, if 1673 01:35:45.079 --> 01:35:48.720 they're saying, is oh, those are just planes. So what 1674 01:35:48.840 --> 01:35:50.960 the light in the sky that you're seeing? Can you 1675 01:35:51.039 --> 01:35:54.000 personally identify that as being a drone or an actual plane? 1676 01:35:54.439 --> 01:35:56.760 It's far too difficult. They're up there in the sky, 1677 01:35:56.840 --> 01:35:57.760 little blinky lights. 1678 01:35:58.960 --> 01:35:59.159 You know. 1679 01:35:59.199 --> 01:36:01.119 There was a huge development in this matter. 1680 01:36:01.239 --> 01:36:06.039 Yesterday A drone pilot in New Jersey reported that he 1681 01:36:06.600 --> 01:36:09.760 approached one of these mystery drones with his own drone 1682 01:36:10.600 --> 01:36:14.079 and because and I didn't know this, but because the 1683 01:36:14.199 --> 01:36:18.039 both drones were in a restricted airspace, the pilot's drone 1684 01:36:18.119 --> 01:36:22.640 immediately shut down. This is a defense mechanism that's commonly 1685 01:36:22.680 --> 01:36:23.439 employed in. 1686 01:36:25.000 --> 01:36:26.920 Respected air spaces. Yeah, you do. 1687 01:36:27.039 --> 01:36:29.880 All drones apparently have the door that the government can 1688 01:36:29.920 --> 01:36:30.920 access and shut them down. 1689 01:36:31.079 --> 01:36:32.960 Are you sure that I help send you a link 1690 01:36:33.000 --> 01:36:33.640 to this article. 1691 01:36:34.039 --> 01:36:37.439 However, the significant part of this is the mystery drone 1692 01:36:37.560 --> 01:36:41.159 continue to operate in these in this restricted airspace without 1693 01:36:41.199 --> 01:36:46.279 getting shut down and landing. So that tells me everything 1694 01:36:46.319 --> 01:36:48.920 I need to know about the origin and operator of 1695 01:36:48.960 --> 01:36:49.880 the mystery drone. 1696 01:36:51.439 --> 01:36:53.720 What does it tell you that they know who they are? 1697 01:36:53.880 --> 01:36:55.760 They not only do they know who they are, they're 1698 01:36:55.760 --> 01:36:59.880 not using their shutdown mechanism to defend the restricted airspace 1699 01:37:00.159 --> 01:37:01.399 from the mystery drones. 1700 01:37:02.479 --> 01:37:06.399 Okay, does anyone recall somebody is asking about a case 1701 01:37:07.560 --> 01:37:12.439 about forty five hundred dollars amount dew from a Vanessa 1702 01:37:12.479 --> 01:37:16.079 who moved out of an apartment. And I don't know 1703 01:37:16.079 --> 01:37:23.720 who had this case, but yeah, some, there was just some. 1704 01:37:25.279 --> 01:37:26.960 It was in Loveland. 1705 01:37:27.319 --> 01:37:29.520 Oh yeah, that wasn't an apartment. 1706 01:37:30.199 --> 01:37:33.279 Remember this young lady called because she and her at 1707 01:37:33.279 --> 01:37:37.760 the time boyfriend purchased a dilapidated you know, not a 1708 01:37:37.800 --> 01:37:39.720 motor home, but a mobile home and. 1709 01:37:39.640 --> 01:37:42.920 They never made any payments. Oh many years. 1710 01:37:43.319 --> 01:37:46.760 They finally got booted out and locked out and then 1711 01:37:46.800 --> 01:37:50.000 they were charged and they were well, no, they from 1712 01:37:50.000 --> 01:37:53.800 the from the park. Well, the park got a They 1713 01:37:53.880 --> 01:37:55.920 still ow the park many thousands of dollars. But you 1714 01:37:55.960 --> 01:37:58.199 may recall the owner of the park called us on 1715 01:37:58.239 --> 01:38:00.760 the air. That's right, because you hoped he was hoping 1716 01:38:00.760 --> 01:38:04.359 to get this dilapidated home moved away so he can 1717 01:38:04.439 --> 01:38:08.920 re rent the live Okay, and she even offered the heat. 1718 01:38:09.199 --> 01:38:12.199 The owner even offered to make Vanessa cash payment in 1719 01:38:12.239 --> 01:38:16.600 exchange for a title. I communicated that to Vanessa. Never 1720 01:38:16.640 --> 01:38:17.520 heard back from her. 1721 01:38:18.119 --> 01:38:20.359 The park owner never heard back from her, So we 1722 01:38:20.399 --> 01:38:21.159 don't know what happens. 1723 01:38:21.359 --> 01:38:27.039 Okay. Now, Back in October, Empire Floors did a floor 1724 01:38:27.079 --> 01:38:32.319 that sucked, and they said it was like gaps and 1725 01:38:32.399 --> 01:38:36.720 warping and buckling. Again, I'm trying to find people who 1726 01:38:36.800 --> 01:38:39.960 have as people are asking about some of these cases, 1727 01:38:39.960 --> 01:38:42.680 and I've been putting him in a file and figured 1728 01:38:42.720 --> 01:38:45.760 we would do them when we are all together and 1729 01:38:45.760 --> 01:38:49.000 we have time. Does anyone recall that one? It was 1730 01:38:50.279 --> 01:38:53.000 Empire Floors. Her name was Nancy. 1731 01:38:53.199 --> 01:38:55.840 Oh, she was up in the mountain. You remember all 1732 01:38:55.920 --> 01:38:57.720 of them high d That wasn't my case. 1733 01:38:57.880 --> 01:38:59.520 I don't know who worked it, but she was up 1734 01:38:59.520 --> 01:39:01.840 in the mountain and she had a double of a 1735 01:39:01.920 --> 01:39:05.680 time getting a refund from this contractor do. 1736 01:39:05.640 --> 01:39:08.920 Any of you guys remember that it was in October? Nancy. 1737 01:39:09.640 --> 01:39:13.560 I'm looking for it, but in any what's okay? It 1738 01:39:13.600 --> 01:39:14.039 could have been. 1739 01:39:14.439 --> 01:39:18.319 If that's the case, then if that's the case, we'll never. 1740 01:39:18.239 --> 01:39:22.079 Know about it. I'm just kidding. Did I say that 1741 01:39:22.159 --> 01:39:24.720 out loud, black hole. Wait a minute, I didn't say 1742 01:39:24.760 --> 01:39:27.399 that out loud, did I. I'm looking for it. I'm 1743 01:39:27.439 --> 01:39:32.119 looking for it. Okay, well apparently, oh there it is. Okay, 1744 01:39:32.159 --> 01:39:35.399 here it is. I found it and guess what it 1745 01:39:35.520 --> 01:39:40.119 wasn't anyone. They finally fixed it. It did get the dinger. 1746 01:39:40.479 --> 01:39:45.399 We had an expert opinion from Buddy Mitchell. This is 1747 01:39:45.439 --> 01:39:50.359 what it was. They did LVP. It started buckling. They 1748 01:39:50.479 --> 01:39:55.239 fixed it, but nounced buckling again, and then after our analysis, 1749 01:39:55.319 --> 01:39:56.439 it was finally fixed. 1750 01:39:56.520 --> 01:39:57.880 Right, so I can do away with that. 1751 01:39:57.920 --> 01:40:00.560 When some people are asking about these you know, our 1752 01:40:00.600 --> 01:40:02.600 show is like a soap opera. 1753 01:40:02.640 --> 01:40:04.760 Man, people want to know about this stuff. 1754 01:40:04.840 --> 01:40:06.439 If you want to know about a case, give us 1755 01:40:06.439 --> 01:40:08.600 a call. I'm going through my old like I put 1756 01:40:08.640 --> 01:40:12.279 them these emails asking about cases in a folder, and 1757 01:40:12.319 --> 01:40:14.199 I thought, you know, someday, if I have some time, 1758 01:40:14.760 --> 01:40:17.479 I'm going to read some of these. And then we 1759 01:40:17.520 --> 01:40:21.800 have Sindy who wants to talk about Taba Waters in Denver, 1760 01:40:22.079 --> 01:40:24.119 and we'll come to her right after this. Plus we 1761 01:40:24.239 --> 01:40:28.359 have my moneymway dot com Jordan Piano. Right after this, 1762 01:40:34.079 --> 01:40:37.359 go with a sure thing Denver's best roofer Excel Roofing 1763 01:40:37.479 --> 01:40:40.119 dot com. You don't pay a cent until you're content. 1764 01:40:43.479 --> 01:40:46.680 Time for an insurance checkup free, no obligation. In comparison, 1765 01:40:46.800 --> 01:40:50.359 call Compass Insurance paying too much your coverage at dozens 1766 01:40:50.359 --> 01:40:53.079 of insurance companies find out now three O three seven 1767 01:40:53.199 --> 01:40:56.000 seven to one help. You'll think you're his only customer 1768 01:40:56.039 --> 01:40:58.319 when you choose Frank durand the real estate Man dot 1769 01:40:58.319 --> 01:41:01.640 com to list your home three Max Alliance three oh 1770 01:41:01.680 --> 01:41:09.840 three nine two zero sixteen twenty two. Hi Tom Martino here, Cindy. 1771 01:41:10.199 --> 01:41:11.239 What's going on with you? 1772 01:41:11.359 --> 01:41:13.199 Cindy? 1773 01:41:13.319 --> 01:41:13.680 Okay. 1774 01:41:13.800 --> 01:41:18.000 So I've lived at Table Waters for about it almost 1775 01:41:18.000 --> 01:41:20.359 two years. About a year and a half in we 1776 01:41:20.479 --> 01:41:22.239 noticed that we were having water intrusion. 1777 01:41:23.079 --> 01:41:27.039 So where's the water coming in? 1778 01:41:28.760 --> 01:41:32.079 It's coming in through like our main living room wall. 1779 01:41:32.600 --> 01:41:36.079 So it's coming through through our living rooms, like through 1780 01:41:36.119 --> 01:41:39.800 the flying glass door. And whenever we're shampooing it up, 1781 01:41:40.000 --> 01:41:44.359 we're shampooing almost twenty like containers of water up from 1782 01:41:44.439 --> 01:41:44.880 the ground. 1783 01:41:45.039 --> 01:41:47.239 Oh my god, wait a minute, wait a minute, you've 1784 01:41:47.239 --> 01:41:47.840 been living there? 1785 01:41:47.920 --> 01:41:49.600 Is this an apartment on the first. 1786 01:41:49.359 --> 01:41:51.920 Floor or what first floor? 1787 01:41:53.960 --> 01:41:57.640 And and this where is the water coming in? Is 1788 01:41:57.680 --> 01:42:00.840 it near the like a glass door or near just 1789 01:42:01.279 --> 01:42:04.039 randomly or what it's near. 1790 01:42:03.880 --> 01:42:06.720 A sliding glass door. But it's like the entire wall 1791 01:42:06.880 --> 01:42:09.119 from one side of the wall to the other, like 1792 01:42:09.199 --> 01:42:12.079 to the other. So we've been living there in this 1793 01:42:12.239 --> 01:42:14.800 and it's just been constantly coming in whenever it rains 1794 01:42:14.880 --> 01:42:15.319 or anything. 1795 01:42:15.359 --> 01:42:17.840 And so we've how do you know it's coming? How 1796 01:42:17.880 --> 01:42:19.760 do you know it's coming through the walls? 1797 01:42:21.439 --> 01:42:26.479 Because the wall is wet, Okay, so it's not coming 1798 01:42:26.560 --> 01:42:30.600 up through the floor, got it. So it's coming somewhere 1799 01:42:30.760 --> 01:42:33.520 somehow from the outside inn And it's usually when it's 1800 01:42:33.640 --> 01:42:37.000 raining or like snowing, and it's the snow starts melting. 1801 01:42:37.520 --> 01:42:40.560 So like after the last big snowstorm, we pulled about 1802 01:42:40.600 --> 01:42:41.920 twenty containers of water up. 1803 01:42:42.399 --> 01:42:43.239 So Da've like. 1804 01:42:45.159 --> 01:42:49.880 Ten maintenance orders between the beginning and end. So we're 1805 01:42:49.960 --> 01:42:52.720 moving out as of this week, we're moving out. The 1806 01:42:52.800 --> 01:42:56.439 twentieth is our last day there. We have been complaining. 1807 01:42:56.520 --> 01:43:01.079 They've revealed the concrete, they've done done drainage, but it 1808 01:43:01.159 --> 01:43:03.920 took several months in between each complaint for them to 1809 01:43:04.000 --> 01:43:07.760 do something right. Yeah, so one of the complaints took 1810 01:43:07.800 --> 01:43:10.800 like six months before they actually like redd the drainage 1811 01:43:10.840 --> 01:43:12.399 system next to our house. 1812 01:43:13.479 --> 01:43:17.199 Well, so it did hold on, Did that solve the problem? 1813 01:43:18.239 --> 01:43:20.920 No? 1814 01:43:20.920 --> 01:43:21.239 None of it? 1815 01:43:21.439 --> 01:43:28.720 Oh really So just so probably about October they decided 1816 01:43:28.720 --> 01:43:30.840 they were going to We complained about mold. We were 1817 01:43:30.880 --> 01:43:35.720 worried about mold issues. So they cut the wall open 1818 01:43:35.880 --> 01:43:38.920 for our entire apartment. They leave the humidifier and bands 1819 01:43:38.960 --> 01:43:42.079 on twenty four to seven for an entire week. I 1820 01:43:42.079 --> 01:43:44.880 have small children, so at a certain point we were 1821 01:43:45.000 --> 01:43:49.399 just We went and stayed at a hotel and we told them, hey, like, 1822 01:43:49.479 --> 01:43:53.760 we can't live like this. This is torture because you're 1823 01:43:53.760 --> 01:43:57.439 having us run these fans and this humidifier twenty four 1824 01:43:57.479 --> 01:43:59.720 to seven, we're going to be gone for the weekend. 1825 01:44:00.760 --> 01:44:03.439 We leave for the weekend. They're like, oh, yeah, we'll 1826 01:44:03.479 --> 01:44:08.399 pay for part of your hotel. Well, we get the 1827 01:44:08.920 --> 01:44:12.159 submit like whenever they submitted the information for our hotel. 1828 01:44:12.239 --> 01:44:15.640 They tried to get us to sign an NBA and 1829 01:44:16.359 --> 01:44:19.239 to never complain about it, and then they also tried 1830 01:44:19.319 --> 01:44:23.640 to basically have us forfeit all claim for any damage 1831 01:44:23.800 --> 01:44:27.720 prior or future for a Yeah it's it's. 1832 01:44:27.880 --> 01:44:30.600 It's a waiver, got it? Yeah? 1833 01:44:30.680 --> 01:44:31.119 Yeah? 1834 01:44:31.159 --> 01:44:34.920 Okay, and you and you chose not to do it right. No, 1835 01:44:35.000 --> 01:44:38.359 all right, hold on a second, let's continue this discussion. 1836 01:44:38.720 --> 01:44:41.479 I need to know where it's going. I don't blame 1837 01:44:41.520 --> 01:44:45.600 you for being concerned whatsoever. I'm Tom Martino. We'll come 1838 01:44:45.640 --> 01:44:49.119 back to her and more on The Troubleshooter Show plus 1839 01:44:49.199 --> 01:44:54.760 Jordan Kanno at My Moneymway dot com. Stick around, go 1840 01:44:54.840 --> 01:44:58.560 with a sure thing Denver's best roofer Excel Roofing dot com. 1841 01:44:58.600 --> 01:45:00.600 You don't pay a cent until you're content. 1842 01:45:02.199 --> 01:45:06.439 Please time for an insurance check up free, no obligation 1843 01:45:06.479 --> 01:45:10.319 in comparison, call Compass Insurance paying too much your coverage 1844 01:45:10.319 --> 01:45:13.039 at dozens of insurance companies find out now three oh 1845 01:45:13.039 --> 01:45:15.960 three seven seven one help. You'll think you're his only 1846 01:45:16.079 --> 01:45:18.520 customer when you choose Frank durand the Real Estate Man 1847 01:45:18.600 --> 01:45:22.039 dot com to list your home with Remax Alliance three 1848 01:45:22.039 --> 01:45:24.159 oh three nine two zero sixteen twenty two. 1849 01:45:25.119 --> 01:45:35.199 Yeah, ripped of news needs You don't have. 1850 01:45:37.359 --> 01:45:39.760 Come run anxious stas as you can. 1851 01:45:41.039 --> 01:45:42.359 Shooter's gonna help. 1852 01:45:42.640 --> 01:45:47.199 Come man, This is the Troubleshooter Show. 1853 01:45:47.319 --> 01:45:52.640 No Tom Martino, Hi, Tom Martino here three oh three 1854 01:45:52.680 --> 01:45:55.359 seven one three talks seven one three eight two five 1855 01:45:55.560 --> 01:45:58.800 five We're here to help you solve problems, answer questions, 1856 01:45:58.840 --> 01:46:01.960 take complain. Cindy has been in an apartment house or 1857 01:46:02.000 --> 01:46:05.760 an apartment first floor at Taba Waters in Denver. She 1858 01:46:05.880 --> 01:46:10.119 said that water came through the walls, excessive water, and 1859 01:46:11.720 --> 01:46:13.960 we got to the point where she was talking about moving. 1860 01:46:14.439 --> 01:46:17.840 I want to ask you something, sendy very quickly. When 1861 01:46:17.920 --> 01:46:18.720 is your lease up? 1862 01:46:20.039 --> 01:46:22.640 Our lease is up because we resigned our lease because 1863 01:46:23.079 --> 01:46:24.479 so it was supposed to be up. 1864 01:46:24.479 --> 01:46:27.920 All I get it. So when would that lease be. 1865 01:46:28.000 --> 01:46:31.560 Up next year? November of next year? 1866 01:46:32.800 --> 01:46:36.079 Okay, But you want to leave early because of the problems, 1867 01:46:36.119 --> 01:46:36.960 which is your right? 1868 01:46:38.439 --> 01:46:41.279 Well, we are leaving early because our apartment has told 1869 01:46:41.359 --> 01:46:43.840 us that they are unable to fix it while we 1870 01:46:43.880 --> 01:46:47.720 are in residence. So they can't fix our apartment while 1871 01:46:47.760 --> 01:46:49.920 we live there. So they have told us that our 1872 01:46:50.039 --> 01:46:52.159 choices are to move apartments or to move out. 1873 01:46:53.520 --> 01:46:55.840 Okay, so so basically the same thing. 1874 01:46:56.119 --> 01:46:58.840 Because of the problems, you're moving out early and where 1875 01:46:58.840 --> 01:47:02.359 so so what are you calling it out today? 1876 01:47:02.000 --> 01:47:06.680 They decided to release the apartment ten days after we've 1877 01:47:06.720 --> 01:47:09.239 moved up, like they haven't lifted up currently. 1878 01:47:10.760 --> 01:47:12.920 Wait a minute, without fixing. 1879 01:47:12.520 --> 01:47:15.359 It, without repairing it. Sorry, go ahead. 1880 01:47:16.920 --> 01:47:23.159 Wow, that's crazy. I mean they they lied to you 1881 01:47:23.239 --> 01:47:25.520 and said we can't fix it while you're living there. 1882 01:47:26.760 --> 01:47:31.640 M h yeah, that's an inhabitability issue and we need 1883 01:47:31.680 --> 01:47:34.119 to move out. So we're like, okay, we're going to 1884 01:47:34.159 --> 01:47:34.479 move out. 1885 01:47:35.760 --> 01:47:37.720 So you feel wait wait wait wait wait wait, but 1886 01:47:37.880 --> 01:47:39.640 kind of you didn't want to be there anyway, so 1887 01:47:39.720 --> 01:47:42.119 that part you're just worried about the next people that 1888 01:47:42.159 --> 01:47:43.000 move in, right. 1889 01:47:43.960 --> 01:47:46.279 Yes, And I also feel like we moved in and 1890 01:47:46.319 --> 01:47:48.479 it's probably the same thing. Is is a bait and switch. 1891 01:47:48.640 --> 01:47:49.960 They keep moving people. 1892 01:47:50.199 --> 01:47:54.000 I get it, but what benefit would there be? What 1893 01:47:54.039 --> 01:47:56.159 benefit would there be of moving people in and then 1894 01:47:56.239 --> 01:47:59.279 letting them out? To me, that doesn't sound smart. I 1895 01:47:59.279 --> 01:48:02.439 don't think that's what's happening. I think are you sure 1896 01:48:02.479 --> 01:48:03.720 they couldn't they didn't. 1897 01:48:03.479 --> 01:48:08.600 Fix it, Yes, because immediately after their repair they came 1898 01:48:08.680 --> 01:48:11.079 in inspected it. When we told them that it was 1899 01:48:11.119 --> 01:48:13.840 still wet, they acknowledged that it was still wet. There 1900 01:48:13.920 --> 01:48:15.279 was a maintenance order on it. 1901 01:48:17.119 --> 01:48:20.560 So wait a minute, But Cindy, I'm not asking. I'm 1902 01:48:20.600 --> 01:48:23.680 not asking if you agree. Here's what I'm asking. In 1903 01:48:23.760 --> 01:48:27.319 the minds of management, did they fix it. 1904 01:48:30.119 --> 01:48:33.039 They're a maintenance staff, acknowledge that it wasn't fixed, and 1905 01:48:33.119 --> 01:48:34.960 in the minds of the manager. 1906 01:48:34.800 --> 01:48:35.640 No, I did. 1907 01:48:36.439 --> 01:48:39.079 I really, I really didn't ask that. I know what 1908 01:48:39.119 --> 01:48:41.680 you're saying. I'm not trying to trick you. I agree 1909 01:48:41.720 --> 01:48:45.960 with you. It's not fixed. Do they feel that they 1910 01:48:46.000 --> 01:48:49.760 did fix it? I'm talking about before they came and 1911 01:48:49.840 --> 01:48:54.279 reinspected it. Did they feel it was fixed? 1912 01:48:55.760 --> 01:48:59.119 Yes, whenever the last maintenance thing, they thought it was fixed. 1913 01:48:59.199 --> 01:48:59.920 I was fine. 1914 01:49:00.279 --> 01:49:03.039 They closed out the maintenance ticket, and then immediately after 1915 01:49:03.079 --> 01:49:05.199 the snow still in it got it? 1916 01:49:05.600 --> 01:49:05.840 God? 1917 01:49:05.920 --> 01:49:10.000 So then and then when did they tell you? 1918 01:49:10.439 --> 01:49:13.960 Was it after the second time, after they thought it 1919 01:49:14.039 --> 01:49:17.840 was fixed, That's when they said, well, we're not going 1920 01:49:17.920 --> 01:49:19.800 to be able to fix it with you living there. 1921 01:49:19.920 --> 01:49:20.800 Or was it before that? 1922 01:49:21.039 --> 01:49:24.760 Yes, after that, after they thought it was after the 1923 01:49:24.840 --> 01:49:27.720 last time they came in. We all thought it was fixed. 1924 01:49:28.279 --> 01:49:32.520 That was fine. So then we had water intrusion again. 1925 01:49:32.279 --> 01:49:36.159 And I got so as soon as you moved out. 1926 01:49:36.560 --> 01:49:39.760 But as soon as you moved out, they they're they're 1927 01:49:39.840 --> 01:49:42.039 renting it. They're there, it's up for rent. 1928 01:49:43.439 --> 01:49:48.119 We're still living there currently, we're moving out currently And oh. 1929 01:49:48.079 --> 01:49:51.000 Okay, hold on and it's up for rent right now 1930 01:49:51.079 --> 01:49:52.039 while you're moving out. 1931 01:49:52.760 --> 01:50:00.520 Yes, yes, it's on the website right now while we 1932 01:50:00.560 --> 01:50:01.720 were moving out. 1933 01:50:02.079 --> 01:50:06.000 And were you okay? My next question is this? My 1934 01:50:06.159 --> 01:50:10.479 next question is this. Did you say to them, Hey, 1935 01:50:10.640 --> 01:50:13.319 I noticed you're renting this place out? You said it 1936 01:50:13.359 --> 01:50:15.039 couldn't be fixed with people living here. 1937 01:50:16.920 --> 01:50:19.479 Yes, it's in an email and I haven't heard back from. 1938 01:50:19.279 --> 01:50:21.439 Them, Cindy. 1939 01:50:21.520 --> 01:50:23.000 How do you know they're not just waiting for you 1940 01:50:23.119 --> 01:50:25.239 to move out so they can affect the repairs prior 1941 01:50:25.279 --> 01:50:26.520 to the lieutenant. 1942 01:50:26.000 --> 01:50:29.800 Moving in because it's only ten days and it's over 1943 01:50:29.960 --> 01:50:34.399 Christmas holidays. When it's available, well, it's available. 1944 01:50:34.399 --> 01:50:35.479 It doesn't mean they can move in. 1945 01:50:35.960 --> 01:50:38.239 Doesn't mean that it's going to be available the day 1946 01:50:38.239 --> 01:50:39.159 after you move out. 1947 01:50:39.560 --> 01:50:42.039 It's available. Yeah, they could make the argument. 1948 01:50:42.880 --> 01:50:44.119 We don't, Cindy. 1949 01:50:44.319 --> 01:50:45.840 We're not trying to stick up for them. 1950 01:50:46.079 --> 01:50:49.560 But what what Dea is saying, Deputy Dimitria is saying, Look, 1951 01:50:50.159 --> 01:50:53.920 what if they're advertising it to get someone interested and 1952 01:50:53.960 --> 01:50:56.159 then they say okay, you can move in January or 1953 01:50:56.239 --> 01:50:59.800 January fifteenth, and in the meantime they go and re 1954 01:51:00.319 --> 01:51:02.760 fix it and then have the new people move in. 1955 01:51:02.840 --> 01:51:03.520 I don't know. 1956 01:51:04.359 --> 01:51:05.079 I don't know. 1957 01:51:05.159 --> 01:51:07.560 They what is the purpose of the call? What would 1958 01:51:07.600 --> 01:51:09.680 you like us to do? We want, we want to 1959 01:51:09.720 --> 01:51:12.439 help you, but it sounds like you're taking care of yourself, 1960 01:51:12.479 --> 01:51:14.800 you're getting moved out. What do you what would you 1961 01:51:14.840 --> 01:51:17.119 want us to do? Warn the new people or. 1962 01:51:17.079 --> 01:51:20.960 Do what I'd like a warning for someone new moving in? 1963 01:51:21.079 --> 01:51:24.680 They are available for the thirtieth. It's available for the 1964 01:51:24.720 --> 01:51:28.920 thirtieth to move in, which over the Christmas holiday isn't 1965 01:51:29.039 --> 01:51:30.960 enough time for repair of that extent. 1966 01:51:34.399 --> 01:51:39.960 I'm maybe, I'm yeah, so so somehow these people are 1967 01:51:40.239 --> 01:51:42.560 going to just move you out because they think, hey, 1968 01:51:42.600 --> 01:51:45.239 she complains too much. Let's get somebody else in here 1969 01:51:45.239 --> 01:51:47.800 and take our chances. That's really what they're saying. 1970 01:51:49.399 --> 01:51:56.319 Yeah so, well thinks they're saying. 1971 01:51:56.399 --> 01:51:59.840 But sady, how do you know that they can't fix 1972 01:51:59.880 --> 01:52:00.800 it in ten days? 1973 01:52:00.800 --> 01:52:03.039 Should we give rocker callings? Because how long would it 1974 01:52:03.119 --> 01:52:04.199 take to fix a wet wall? 1975 01:52:05.359 --> 01:52:07.680 I've just taken almost a year and a half and 1976 01:52:07.760 --> 01:52:08.920 they still haven't fixed it. 1977 01:52:10.199 --> 01:52:13.960 Well, because they don't. They probably don't know how. I mean, 1978 01:52:14.359 --> 01:52:17.439 it's probably some nagging problem. Who knows where it's coming from. 1979 01:52:17.560 --> 01:52:19.680 I mean, look at I know what you're saying, Cindy, 1980 01:52:20.000 --> 01:52:23.319 But as far as you're concerned, though your problem is solved, 1981 01:52:23.319 --> 01:52:24.479 you're getting the hell out of there. 1982 01:52:24.600 --> 01:52:27.880 Right I'm my phone solved. The reason I'm calling is 1983 01:52:27.920 --> 01:52:30.600 I don't want someone to rent my apartment and go 1984 01:52:30.680 --> 01:52:31.239 in there and see. 1985 01:52:31.279 --> 01:52:33.880 I think that's really great. Actually, if you think about this, 1986 01:52:34.439 --> 01:52:36.840 I think that's really nice of Cindy. I mean, I 1987 01:52:36.920 --> 01:52:39.560 know that's not what we normally do. We normally help 1988 01:52:39.600 --> 01:52:42.960 people with an immediate problem. She's saying, Look, I took 1989 01:52:43.000 --> 01:52:44.800 care of myself. I'm getting the hell out of there, 1990 01:52:45.039 --> 01:52:48.039 but now they're renting it again. She just wants, basically 1991 01:52:48.079 --> 01:52:50.199 to drop a dime on them. She just wants people 1992 01:52:50.239 --> 01:52:52.520 to know. I don't think there's anything wrong with that. 1993 01:52:53.479 --> 01:52:54.119 I mean, she. 1994 01:52:54.159 --> 01:52:57.479 Could just leave and not care. Does anyone see a problem? 1995 01:52:57.880 --> 01:53:00.000 What did you meet you? You seem a little distress, 1996 01:53:00.119 --> 01:53:01.760 say she. I mean, like you're you're proud. 1997 01:53:01.840 --> 01:53:05.600 I mean, oh, I just well, Cindy hasn't offered any 1998 01:53:05.600 --> 01:53:09.079 evidence to support her position that the repairs cannot be 1999 01:53:09.079 --> 01:53:12.039 affected in the ten days. But yeah, I know there's 2000 01:53:12.079 --> 01:53:14.439 Christmas in years and all that stuff. I can fix 2001 01:53:14.520 --> 01:53:16.119 some weeks in thirty minutes. 2002 01:53:16.239 --> 01:53:19.560 Yeah, but she said, said they, She said, they don't 2003 01:53:19.600 --> 01:53:21.800 even know how to fix it right now. They got 2004 01:53:21.800 --> 01:53:22.600 to call someone in. 2005 01:53:23.960 --> 01:53:27.479 So they opened up in two weeks to fix my 2006 01:53:27.560 --> 01:53:31.039 apartment after they opened up my wall. So in that 2007 01:53:31.159 --> 01:53:34.000 time frame they opened up my wall, they took out 2008 01:53:34.039 --> 01:53:37.720 all of everything, they painted, they did mold clean up 2009 01:53:37.840 --> 01:53:40.960 because there was mold in my walls. They painted the 2010 01:53:41.000 --> 01:53:42.720 stud again. 2011 01:53:42.960 --> 01:53:45.279 They were all, well, here's here's what I would recommend. 2012 01:53:45.520 --> 01:53:49.920 I'm telling you wait until somebody moves in or goes 2013 01:53:50.319 --> 01:53:52.560 or I don't know what to do. I mean, I 2014 01:53:52.600 --> 01:53:55.359 don't think if we call here's what's going to happen. 2015 01:53:56.880 --> 01:53:58.880 If we call them and say, look, you got someone 2016 01:53:58.960 --> 01:54:02.880 moving out because of problems that haven't been fixed, you 2017 01:54:02.880 --> 01:54:07.279 shouldn't be renting that out to someone new, they're gonna say, one, 2018 01:54:07.720 --> 01:54:09.279 it's none of your business. 2019 01:54:08.920 --> 01:54:11.159 Which is true because we don't know that. 2020 01:54:12.239 --> 01:54:16.880 Two we are gonna fix it, and three aren't you 2021 01:54:17.000 --> 01:54:19.319 supposed to wait until you have a problem before you 2022 01:54:19.359 --> 01:54:19.840 solve it. 2023 01:54:20.319 --> 01:54:21.680 That's what they're gonna say to us. 2024 01:54:22.119 --> 01:54:23.640 And I don't mean to be a smart ass, but 2025 01:54:23.720 --> 01:54:27.119 that's really what they're gonna say to us. Now, you know, 2026 01:54:27.199 --> 01:54:31.840 I don't question your motives. I mean, I don't blame you. 2027 01:54:31.840 --> 01:54:33.640 You're saying, Look, I went through hell here for a 2028 01:54:33.720 --> 01:54:35.840 year and a half. I don't want someone else going 2029 01:54:35.880 --> 01:54:38.079 through that. But I don't think there's much we can 2030 01:54:38.119 --> 01:54:42.119 do about it, guys, I mean really, I just don't 2031 01:54:42.159 --> 01:54:43.399 see what we can do about it. 2032 01:54:43.960 --> 01:54:46.039 Wait, let's see if somebody moves in and then Cindy 2033 01:54:46.079 --> 01:54:47.720 can call that person and say, hey, is your wall 2034 01:54:47.840 --> 01:54:48.439 still leaking? 2035 01:54:50.159 --> 01:54:50.399 Yeah? 2036 01:54:50.520 --> 01:54:53.439 But then what Then she says, well, I told them 2037 01:54:53.880 --> 01:54:55.800 they had a problem and we should have taken care 2038 01:54:55.840 --> 01:54:59.000 of it, and we didn't. I got to take a 2039 01:54:59.039 --> 01:55:00.600 break three zho three seven. 2040 01:55:00.359 --> 01:55:02.279 To one three talk. I don't know. 2041 01:55:02.359 --> 01:55:05.319 This isn't in This one isn't one we can solve 2042 01:55:05.319 --> 01:55:08.720 at this point. Three O three seven one three eight 2043 01:55:08.760 --> 01:55:17.000 two five five Go with a sure thing Denver's best 2044 01:55:17.079 --> 01:55:19.960 roofer Excel roofing dot com. You don't pay a cent 2045 01:55:20.159 --> 01:55:26.199 until you're contenth wait time for an insurance check up free, 2046 01:55:26.279 --> 01:55:30.039 no obligation. In comparison, call Compass insurance paying too much 2047 01:55:30.159 --> 01:55:33.119 your coverage at dozens of insurance companies find out now 2048 01:55:33.159 --> 01:55:35.880 three oh three seven seven one help you'll think you're 2049 01:55:35.920 --> 01:55:38.439 his only customer when you choose Frank durand the real 2050 01:55:38.560 --> 01:55:41.560 estate man dot Com to list your home with Remax 2051 01:55:41.600 --> 01:55:44.640 Alliance three oh three nine two zero sixteen twenty two. 2052 01:55:49.960 --> 01:55:53.079 Hi Tom Martino here three O three seven one three 2053 01:55:53.159 --> 01:55:57.479 talks seven one three two five to five h Let's 2054 01:55:57.479 --> 01:56:00.880 talk to Deputy Bow. Deputy Bow, you're on with for 2055 01:56:00.960 --> 01:56:07.039 this problem with Amber Amber. Okay, An Amber came on yesterday. 2056 01:56:07.079 --> 01:56:11.079 I'm going to pull up the call here and Okay, 2057 01:56:11.800 --> 01:56:14.600 her car was stolen, her dog and six puppies were 2058 01:56:14.640 --> 01:56:18.359 in the car, and a thief was caught and the 2059 01:56:18.399 --> 01:56:22.720 dogs were sent to Riverdale Animal Shelter. Now they're in 2060 01:56:22.920 --> 01:56:29.199 foster care, and Animal Control says they are on a 2061 01:56:29.199 --> 01:56:33.359 police hold and she can't have them. So basically that's 2062 01:56:33.399 --> 01:56:36.239 it in a nutshell, right, Is that correct? 2063 01:56:36.239 --> 01:56:36.680 Gamber? 2064 01:56:38.319 --> 01:56:38.520 No? 2065 01:56:38.640 --> 01:56:41.560 Actually so, even though I was told by the Animal 2066 01:56:41.600 --> 01:56:45.840 Control that they were under a police hold, when I 2067 01:56:45.960 --> 01:56:49.560 contacted the Adams County Sheriff's Department, they informed me that 2068 01:56:49.880 --> 01:56:55.760 since the date of December second, when Officer Richie originally 2069 01:56:55.960 --> 01:57:00.600 contained or obtained custody of my dogs, ever since that date. 2070 01:57:00.880 --> 01:57:02.039 She had full. 2071 01:57:03.720 --> 01:57:07.920 Uh So Amber, right, and and what I said, was 2072 01:57:07.960 --> 01:57:11.359 they're in foster care, and animal Control said they are 2073 01:57:11.359 --> 01:57:12.159 on policehold. 2074 01:57:12.239 --> 01:57:13.439 But it's not true. 2075 01:57:13.960 --> 01:57:17.640 But okay, so so anyway, let's just get to the meeting. 2076 01:57:18.920 --> 01:57:21.960 You don't tell us that your car was stolen. 2077 01:57:23.000 --> 01:57:28.039 And I did talk to obser Pordella about this and 2078 01:57:28.119 --> 01:57:30.479 the reason why I could not report the car stolen 2079 01:57:30.520 --> 01:57:32.000 because it wasn't under my name. 2080 01:57:33.800 --> 01:57:36.640 Okay, so I did make. 2081 01:57:37.960 --> 01:57:41.239 Whose name is the car under Let's get to that part. 2082 01:57:41.880 --> 01:57:47.319 Whose car is it's under a Steve Murray, it's under. 2083 01:57:47.079 --> 01:57:49.199 A Why do you know Steve Murray? 2084 01:57:49.399 --> 01:57:50.560 Is it a friend of yours? 2085 01:57:51.039 --> 01:57:52.600 He's not a friend of mine, he's a friend of 2086 01:57:52.640 --> 01:57:53.760 my friends that I. 2087 01:57:53.640 --> 01:57:54.880 Got the vehicle from. 2088 01:57:55.359 --> 01:57:58.920 Okay, okay, but in other words, you had but just wait, guys, 2089 01:57:59.000 --> 01:58:01.399 just wait, I want to make this clear before we 2090 01:58:01.439 --> 01:58:04.760 move on. Did you have permission to use the car? 2091 01:58:04.840 --> 01:58:08.920 Amber Yes, Okay, keep going, go ahead. 2092 01:58:10.000 --> 01:58:12.760 Yes, I've had the car for about a year and 2093 01:58:12.760 --> 01:58:14.880 a half now I just okay, go. 2094 01:58:14.840 --> 01:58:15.840 Ahead, bo okay. 2095 01:58:15.880 --> 01:58:18.640 And then you someone said that the car was stolen 2096 01:58:18.840 --> 01:58:22.079 in the Adams County sheriff couldn't get hold of the 2097 01:58:22.520 --> 01:58:25.439 person who stole the car ran off, and you told 2098 01:58:25.560 --> 01:58:27.800 us that they would not release the dogs to you 2099 01:58:27.920 --> 01:58:32.439 till they found unless you told them who was driving 2100 01:58:32.479 --> 01:58:33.039 the vehicle. 2101 01:58:33.760 --> 01:58:36.439 Yes, that is what Officer Richie told me multiple times. 2102 01:58:36.600 --> 01:58:37.840 She also told my mother. 2103 01:58:37.760 --> 01:58:40.520 And Bo, why don't you just tell us what you found? 2104 01:58:40.560 --> 01:58:42.199 Okay, So let's just saw Amber. 2105 01:58:42.199 --> 01:58:43.640 I'm just gonna cut to the chase. 2106 01:58:43.680 --> 01:58:47.159 I did make a call to the Adams County Sheriff's apartment. 2107 01:58:47.239 --> 01:58:49.319 I did talk to an officer. She wants to keep 2108 01:58:49.319 --> 01:58:54.239 her name off the air. This is what happened. They 2109 01:58:54.720 --> 01:58:59.319 found the dogs in the car. Apparently you or someone 2110 01:58:59.439 --> 01:59:02.199 was living in the car when they came up on 2111 01:59:02.239 --> 01:59:04.560 the vehicle. The dogs were in the back seat with 2112 01:59:04.600 --> 01:59:08.960 no food and no water, and they were created and 2113 01:59:09.000 --> 01:59:11.319 the yes, and then. 2114 01:59:11.239 --> 01:59:14.520 They they let's just let's just hear you and then 2115 01:59:14.560 --> 01:59:17.079 we'll hear her. Go ahead, bum okay, And so they 2116 01:59:17.119 --> 01:59:17.720 said there. 2117 01:59:17.640 --> 01:59:22.760 Was They took the dogs because the malnutrition. They were 2118 01:59:22.800 --> 01:59:25.399 living in the car. The people are living in the car, 2119 01:59:25.520 --> 01:59:28.279 so they took the dogs in and they will not 2120 01:59:28.479 --> 01:59:30.720 release the dogs back to you. 2121 01:59:30.720 --> 01:59:33.760 You mean the people who stole the car were living 2122 01:59:33.800 --> 01:59:34.039 in it. 2123 01:59:35.000 --> 01:59:38.680 No, the car was that the officer from Adams County 2124 01:59:38.720 --> 01:59:41.439 told me the car was never ever reported stolen. 2125 01:59:43.239 --> 01:59:47.359 Okay, they just came up. Okay, okay, and she said 2126 01:59:47.640 --> 01:59:50.720 and she said, the reason it wasn't reported stolen because 2127 01:59:50.720 --> 01:59:52.880 it wasn't hers and she couldn't report a stone. 2128 01:59:53.039 --> 01:59:54.119 But here's what I want to know. 2129 01:59:54.479 --> 01:59:56.159 Do you think, let's just say it like it is, 2130 01:59:56.239 --> 01:59:59.319 bo Do you think Amber said the car was stolen 2131 02:00:00.279 --> 02:00:02.359 as a way of making up an excuse why the 2132 02:00:02.399 --> 02:00:03.199 dogs were taken. 2133 02:00:03.279 --> 02:00:04.479 Tell them, tell me what you're. 2134 02:00:04.359 --> 02:00:06.439 Saying, Hey, down the path to say the car was 2135 02:00:06.479 --> 02:00:10.720 stolen so she could make me make calls, allow me 2136 02:00:10.760 --> 02:00:14.439 to make calls as a reason to get her dogs back. 2137 02:00:14.479 --> 02:00:17.640 But that couldn't be anything further from the truth. The 2138 02:00:17.680 --> 02:00:18.439 car was not. 2139 02:00:18.439 --> 02:00:22.000 Stolen, okay. So the car was not stolen, and the 2140 02:00:22.000 --> 02:00:25.640 cops took the dogs or the animal control officer took 2141 02:00:25.680 --> 02:00:29.720 the dogs because they were malnourished and living in the 2142 02:00:29.840 --> 02:00:32.560 car in a kennel. Yes, and they created and they 2143 02:00:32.600 --> 02:00:35.239 had no food or water, so they fell, Okay. So 2144 02:00:35.359 --> 02:00:39.239 that's why they think. What they're saying is Amber was abusing, 2145 02:00:39.479 --> 02:00:41.439 not abusing, but neglecting the dogs. 2146 02:00:41.600 --> 02:00:43.920 That's why will they will not release them. And it's 2147 02:00:43.960 --> 02:00:47.399 possible they they think they might have been doing other 2148 02:00:47.439 --> 02:00:52.079 things with the dogs, like maybe what is that annoying them? 2149 02:00:52.079 --> 02:00:56.000 Going to pol wellk okay, selling them? Is there anything 2150 02:00:56.039 --> 02:00:57.199 wrong with selling puppies? 2151 02:00:59.239 --> 02:01:03.039 Doing what you're doing it in a car going dogs? 2152 02:01:03.119 --> 02:01:04.800 Yeah, it's a breeding yeah no igat. 2153 02:01:05.640 --> 02:01:08.279 But the bottom line is the car wasn't stolen. There 2154 02:01:08.359 --> 02:01:11.000 was no one, no one involved there. They came upon 2155 02:01:11.119 --> 02:01:14.079 the car, they saw people not living in a car 2156 02:01:14.159 --> 02:01:15.000 for at least a week. 2157 02:01:15.079 --> 02:01:16.279 They saw the dogs. 2158 02:01:15.960 --> 02:01:19.840 In the back seat being malnutrition malnourished, so they took 2159 02:01:19.880 --> 02:01:24.079 the dogs in to protect them. And they're gonna put 2160 02:01:24.079 --> 02:01:27.399 the dogs in foster care so they can have a 2161 02:01:27.439 --> 02:01:29.199 better life than being in a car. 2162 02:01:29.560 --> 02:01:33.079 Oh okay, Okay, Now I know she's not going to 2163 02:01:33.199 --> 02:01:35.640 agree with it, but we can't go any further because 2164 02:01:36.079 --> 02:01:40.560 they're totally saying these dogs were neglected. And by the way, Amber, 2165 02:01:40.760 --> 02:01:42.800 I'm going to tell you something when it comes to. 2166 02:01:43.159 --> 02:01:44.960 True at all, they were not neglected. 2167 02:01:45.439 --> 02:01:46.840 They were only two weeks old. 2168 02:01:46.880 --> 02:01:48.439 And the only reason why I had them in. 2169 02:01:48.399 --> 02:01:50.960 The car was so that my dogs felt comfortable. 2170 02:01:51.319 --> 02:01:54.359 Because when I took her with me to. 2171 02:01:54.520 --> 02:01:56.279 The friend's house that I was at, there was a 2172 02:01:56.319 --> 02:01:58.479 lot of people there, and I didn't want all those 2173 02:01:58.520 --> 02:02:01.239 people coming in and giving her so much. 2174 02:02:01.319 --> 02:02:04.199 But why were you transporting dogs in a car to 2175 02:02:04.279 --> 02:02:04.800 begin with? 2176 02:02:04.880 --> 02:02:05.840 Why weren't they. 2177 02:02:05.680 --> 02:02:10.600 Back home in a warm room in your apartment or house? 2178 02:02:10.079 --> 02:02:13.880 Because because the takes that I live, I don't live 2179 02:02:14.039 --> 02:02:16.720 just by myself, and it was safer for her to 2180 02:02:16.760 --> 02:02:18.439 come with me with her book. 2181 02:02:18.439 --> 02:02:20.720 Okay, who do you live with? 2182 02:02:20.840 --> 02:02:21.640 Back? Well? 2183 02:02:21.920 --> 02:02:22.359 Check it out. 2184 02:02:22.359 --> 02:02:25.760 There was dog food and her own water bowl right there. 2185 02:02:25.840 --> 02:02:29.640 Okay, I get it. Okay, Hey Amber, listen, I'm not 2186 02:02:29.800 --> 02:02:31.119 I'm not accusing you of anything. 2187 02:02:31.159 --> 02:02:34.119 I'm just trying to find out. So where you live? 2188 02:02:34.960 --> 02:02:38.159 You don't live alone? What kind of a place do 2189 02:02:38.199 --> 02:02:40.640 you live in with the dogs? If they were too hot? 2190 02:02:41.760 --> 02:02:42.800 It with me and my friends? 2191 02:02:42.840 --> 02:02:47.039 I just I don't understand how many with them lying? 2192 02:02:48.039 --> 02:02:51.840 How many friends ability it is to allow Amber? How 2193 02:02:51.880 --> 02:02:56.520 many friends, Amber, Amber? How many friends? 2194 02:02:57.960 --> 02:02:59.640 I don't see how this matters. 2195 02:03:00.840 --> 02:03:02.960 It does matter a lot. 2196 02:03:05.600 --> 02:03:10.159 I think if we ordered the incident report on this case, Hamber, 2197 02:03:10.199 --> 02:03:12.000 it would tell a totally different. 2198 02:03:11.720 --> 02:03:14.800 Buye bye bye bye bye bye bye bye bye. That's 2199 02:03:14.800 --> 02:03:18.920 the signal of people, it's a bomb. We're done, We're done. 2200 02:03:19.479 --> 02:03:22.000 We have no idea what conditions she lives in. And 2201 02:03:22.079 --> 02:03:25.720 you know what, as amazing as it sounds, that does matter. 2202 02:03:26.279 --> 02:03:26.600 She did. 2203 02:03:27.439 --> 02:03:30.000 I think they thought they were doing better for the dogs, 2204 02:03:30.000 --> 02:03:32.560 don't you, Bo, No. 2205 02:03:32.600 --> 02:03:33.439 I think they were. 2206 02:03:33.600 --> 02:03:37.159 I think they're doing some breeding and breeding and selling it. 2207 02:03:37.359 --> 02:03:41.600 I just said, I think the authorities think they were doing. 2208 02:03:41.399 --> 02:03:43.520 Better for the dogs, right, Bo. 2209 02:03:43.720 --> 02:03:47.119 Yeah, and you said no, So okay, maybe you misunderstood 2210 02:03:47.119 --> 02:03:50.640 the question. So in your mind, Bow, the authorities were 2211 02:03:50.680 --> 02:03:51.479 doing the right thing. 2212 02:03:52.239 --> 02:03:54.439 I think they were by taking the dogs out of 2213 02:03:54.439 --> 02:03:55.800 the car they were living. 2214 02:03:55.840 --> 02:03:56.479 They were. 2215 02:03:56.239 --> 02:03:58.840 The officer told me they were in the car for 2216 02:03:58.880 --> 02:04:01.680 at least two weeks. And sorry, I misunderstood your question. 2217 02:04:01.760 --> 02:04:04.319 Okay, no, no, no, no, that's good. What I'm saying 2218 02:04:04.439 --> 02:04:07.960 is I'm asking you because you investigated, so you feel, 2219 02:04:08.000 --> 02:04:11.520 like Tom, she's she's not getting her facts straight. And 2220 02:04:11.600 --> 02:04:14.159 I think they were actually looking toward the well being 2221 02:04:14.199 --> 02:04:14.840 of the dogs. 2222 02:04:15.079 --> 02:04:18.319 Absolutely, and I think she's set. 2223 02:04:18.680 --> 02:04:20.880 You want to know why I think she's upset. I'll 2224 02:04:20.880 --> 02:04:22.840 tell you why I think she's upset. Why do you 2225 02:04:22.880 --> 02:04:27.119 think I think she's upset because she can't sell those puppies? 2226 02:04:27.199 --> 02:04:28.520 Yeah, that's her Revenue Street. 2227 02:04:28.359 --> 02:04:30.600 And she was using our show as a boy to 2228 02:04:30.680 --> 02:04:34.439 try to get the dogs back, which I'm just crime. 2229 02:04:34.680 --> 02:04:36.760 It would be a crime to give the dogs back 2230 02:04:36.800 --> 02:04:37.359 to this woman. 2231 02:04:38.000 --> 02:04:40.520 I mean, we got serious cases. I mean she she 2232 02:04:40.680 --> 02:04:42.760 lied to us. That's what I don't like about it. 2233 02:04:44.079 --> 02:04:47.640 Yeah, the car was stolen and the guy was apprehendible. 2234 02:04:47.640 --> 02:04:50.439 Oh and she doesn't know how the dog got pregnant. 2235 02:04:51.560 --> 02:04:53.760 Well I'm glad they're in foster care. 2236 02:04:55.840 --> 02:04:59.640 Three three seven one three talk thrill three seven one 2237 02:04:59.680 --> 02:05:04.399 three eight two five five. We got more coming right up. 2238 02:05:10.680 --> 02:05:13.920 Go with a sure thing Denver's best roofer Excel Roofing 2239 02:05:14.039 --> 02:05:16.680 dot com. You don't pay a cent until you're content. 2240 02:05:20.039 --> 02:05:23.239 Time for an insurance check up free, no obligation. In comparison, 2241 02:05:23.359 --> 02:05:26.920 call Compass Insurance paying too much your coverage at dozens 2242 02:05:26.960 --> 02:05:29.680 of insurance companies find out now three oh three seven 2243 02:05:29.800 --> 02:05:32.600 seven to one. Help. You'll think you're his only customer 2244 02:05:32.640 --> 02:05:34.880 when you choose Frank durand the Real estate Man dot 2245 02:05:34.920 --> 02:05:38.199 com to list your home with Remax Alliance three oh 2246 02:05:38.279 --> 02:05:42.279 three nine two zero sixteen twenty two. Hi Tom Martino, 2247 02:05:43.239 --> 02:05:49.399 you're troubleshooter. Let's go back to Jordan piano. We're here 2248 02:05:49.399 --> 02:05:55.159 to help you. Jordan. Let's uh, let's summarize what we've 2249 02:05:55.159 --> 02:05:58.760 been talking about. I'm gonna let you go what uh, 2250 02:05:59.399 --> 02:06:00.560 what do you want people to know? 2251 02:06:01.840 --> 02:06:05.600 Yeah, mainly the thing is is just helping people turn 2252 02:06:05.680 --> 02:06:08.560 on income. You hit on this great and on the show, 2253 02:06:08.560 --> 02:06:10.880 and that's what we focus on, is just becoming income 2254 02:06:10.920 --> 02:06:13.680 specialist for anybody who has an IRA four oh one 2255 02:06:13.760 --> 02:06:16.640 K or money that's just not performing the way they're 2256 02:06:16.680 --> 02:06:18.680 looking at in the market and they're sick of that risk. 2257 02:06:18.920 --> 02:06:22.319 That's what we specialize is getting you money that you 2258 02:06:22.359 --> 02:06:24.359 can count on month in and month out for the 2259 02:06:24.359 --> 02:06:27.760 rest of your life. There long term care benefits built 2260 02:06:27.800 --> 02:06:30.279 in for the what if and of course and if 2261 02:06:30.319 --> 02:06:32.720 there's any money left on the table when we graduate 2262 02:06:32.760 --> 02:06:34.960 and pass away to the next world, there that money 2263 02:06:35.000 --> 02:06:37.439 goes to your loved ones. That is who we are 2264 02:06:37.520 --> 02:06:41.399 in a nutshell, it's my moneymway dot Com showing you 2265 02:06:41.520 --> 02:06:42.560 just how to turn your money on. 2266 02:06:44.560 --> 02:06:48.800 All right, Fine, Someone wants to know if you got 2267 02:06:48.840 --> 02:06:51.800 into an annuity for some reason and needed to get 2268 02:06:51.840 --> 02:06:56.359 out of it, what are the different options if you 2269 02:06:56.439 --> 02:06:58.359 needed cash? 2270 02:06:58.520 --> 02:07:02.000 Great question. So with any annuity and with most counsel 2271 02:07:02.039 --> 02:07:04.720 of vets, or you have up to ten percent you 2272 02:07:04.720 --> 02:07:07.000 could take out at any given moments, and they call 2273 02:07:07.079 --> 02:07:10.640 those the penalty free withdrawals. Now, anybody that needs more 2274 02:07:10.680 --> 02:07:13.520 money than that, they need to cash out one hundred percent. 2275 02:07:13.960 --> 02:07:17.039 And if in those years that have been tasked the maturity, 2276 02:07:17.159 --> 02:07:19.279 well they can cash that money out if they're in 2277 02:07:19.279 --> 02:07:21.520 those early years. Though, this is where you know it 2278 02:07:21.600 --> 02:07:24.479 kind of echoes that point that these products they're meant 2279 02:07:24.520 --> 02:07:27.239 to turn income on, they're meant to give you a payout. Now, 2280 02:07:27.279 --> 02:07:29.520 if you're going to cash them out early, then these 2281 02:07:29.560 --> 02:07:31.720 might not be the right products for you. But for 2282 02:07:31.800 --> 02:07:34.840 people who have that for one kin they built up, 2283 02:07:35.279 --> 02:07:37.039 then you can cash them out once you hit that 2284 02:07:37.079 --> 02:07:38.119 maturity for the bonus and. 2285 02:07:38.119 --> 02:07:42.600 All that, because there's a penalty period so to speak, 2286 02:07:42.680 --> 02:07:44.279 that that phases. 2287 02:07:43.800 --> 02:07:48.079 Out correct every year. And as as markets said in 2288 02:07:48.119 --> 02:07:50.560 the Path too, you get an upfront bonus. You know, 2289 02:07:50.600 --> 02:07:52.880 one of the incentives right now is up to fifteen 2290 02:07:52.920 --> 02:07:55.279 percent bonus, and that money grows with the day one 2291 02:07:55.520 --> 02:07:57.920 and every year ten percent of it's yours each year. 2292 02:07:58.119 --> 02:07:59.920 But if you cash out early, they've got to recoup 2293 02:08:00.039 --> 02:08:02.520 them that benefit back. Otherwise heck, and I would be 2294 02:08:02.520 --> 02:08:03.439 in the heiti of fifty. 2295 02:08:03.680 --> 02:08:06.720 So so how long how long is that is that 2296 02:08:06.760 --> 02:08:08.079 phasing out? Seven years? 2297 02:08:09.079 --> 02:08:10.039 Yeah, seven to ten. 2298 02:08:10.239 --> 02:08:12.199 There's some companies out there that we don't deal with that. 2299 02:08:12.239 --> 02:08:14.960 We've heard even fourteen to twenty on some of those work, 2300 02:08:15.039 --> 02:08:18.279 you know, annuities that we don't really prefer talk about. 2301 02:08:18.359 --> 02:08:21.399 But but for products like this, these are designed to 2302 02:08:21.439 --> 02:08:24.840 just give you steady growth, steady income, and something you 2303 02:08:24.880 --> 02:08:26.920 can count on without the risk of it dropping down 2304 02:08:27.199 --> 02:08:29.319 if there's a market crash or anything of that sort. 2305 02:08:31.359 --> 02:08:35.279 Okay, someone wants to know, they texted me, and by 2306 02:08:35.319 --> 02:08:38.279 the way, it's they're texting my number seven four seven, 2307 02:08:38.399 --> 02:08:43.000 nine eighty. They want to know what is the limit 2308 02:08:43.119 --> 02:08:46.560 and time limit on the annuity for nursing homes. I 2309 02:08:46.560 --> 02:08:49.039 don't know what that means. The oh, the money limit 2310 02:08:49.159 --> 02:08:51.920 and the time limit? Is there a is there a ceiling? 2311 02:08:52.000 --> 02:08:53.840 What? And when can you use it? 2312 02:08:53.920 --> 02:08:55.760 If you have long term care riders? 2313 02:08:57.079 --> 02:09:01.039 Yeah, so basically, once you get to eight sixty and up, 2314 02:09:01.399 --> 02:09:03.239 the companies allow you to be able to have that 2315 02:09:03.319 --> 02:09:07.079 option to turn it on. Now, as far as the limit, 2316 02:09:07.640 --> 02:09:10.520 these products, they're just additional benefits. So they're not going 2317 02:09:10.560 --> 02:09:12.840 to possibly cover everything, but they're just going to be 2318 02:09:12.880 --> 02:09:16.039 two times whatever the monthly payout would be. So if 2319 02:09:16.039 --> 02:09:18.600 somebody's gonna get let's say three grand a month because 2320 02:09:18.600 --> 02:09:20.479 they're turning on their income, but all of a sudden 2321 02:09:20.479 --> 02:09:22.680 they need nursing home or somebody in their house and 2322 02:09:22.680 --> 02:09:24.600 he'll take care of them, whether they would double that 2323 02:09:24.960 --> 02:09:27.520 six grand a month for the remainder thrives if they need, 2324 02:09:27.680 --> 02:09:28.159 you know, and. 2325 02:09:28.199 --> 02:09:31.960 Is that only after your is that only after you're 2326 02:09:32.000 --> 02:09:36.159 eligible for income or is that early if you needed 2327 02:09:36.520 --> 02:09:37.239 nursing care? 2328 02:09:38.600 --> 02:09:41.359 It is early, but sixty is the cutoff for the 2329 02:09:41.399 --> 02:09:45.119 starting point, which is pretty normal for all okay characters. 2330 02:09:44.920 --> 02:09:45.760 No, that's SI age. 2331 02:09:45.840 --> 02:09:49.279 So once you reach sixty, you're eligible for the long 2332 02:09:49.399 --> 02:09:50.119 term care. 2333 02:09:50.039 --> 02:09:54.880 Rider, correct, and then and for people who have that 2334 02:09:55.039 --> 02:09:57.479 need most people need in their later seventies. But the 2335 02:09:57.520 --> 02:09:59.560 point is is that you're able to turn that income 2336 02:09:59.600 --> 02:10:01.640 on and if you're in a nursing home or a 2337 02:10:01.680 --> 02:10:04.000 facility in your house with somebody taking care of you, well, 2338 02:10:04.039 --> 02:10:07.319 then that's where they will double your monthly payout. 2339 02:10:09.199 --> 02:10:12.920 And then okay, got it, so you you can get 2340 02:10:12.960 --> 02:10:15.880 that out double if you need if you have the 2341 02:10:15.960 --> 02:10:18.840 nursing home rider and you need a nursing home, and 2342 02:10:18.880 --> 02:10:22.159 then is there a time Is there a time limit 2343 02:10:22.199 --> 02:10:23.960 as to how long you can stay in there? 2344 02:10:25.640 --> 02:10:25.840 You know? 2345 02:10:25.920 --> 02:10:28.840 The dollar limit is is the point? And so so 2346 02:10:28.880 --> 02:10:31.079 they're just giving you that dollar and payout, which again, 2347 02:10:31.239 --> 02:10:33.199 if we're talking about six grand a month in that example, 2348 02:10:33.560 --> 02:10:36.399 that's not going to be the one that pays enough 2349 02:10:36.399 --> 02:10:38.279 to cover a full long term care facility. 2350 02:10:38.479 --> 02:10:41.399 Correct, you know, No, I understand that it's a payout. 2351 02:10:41.439 --> 02:10:41.960 I get it. 2352 02:10:42.239 --> 02:10:43.600 But do they limit. 2353 02:10:43.640 --> 02:10:44.680 The time. 2354 02:10:46.199 --> 02:10:47.920 Or is it for the rest of your life? Can 2355 02:10:47.960 --> 02:10:50.720 you get that double the rest of your life? 2356 02:10:52.119 --> 02:10:52.319 Right? 2357 02:10:52.439 --> 02:10:55.560 For each person? Each company's difference, but it's majority of it. 2358 02:10:56.000 --> 02:10:59.560 Want to be intel until the account value, uh you 2359 02:10:59.560 --> 02:11:01.359 know gets today age one hundred. 2360 02:11:02.720 --> 02:11:05.920 Okay, got it, I get it? Okay, cool three oh 2361 02:11:05.960 --> 02:11:08.520 three seven one three talks seven one three two five 2362 02:11:08.680 --> 02:11:12.199 five yees. Sometimes I don't understand, I mean seriously, I don't. 2363 02:11:12.199 --> 02:11:15.000 I want the nuances explained. You did a good job 2364 02:11:15.039 --> 02:11:19.279 on it. So basically, do you recommend long Does the 2365 02:11:19.319 --> 02:11:23.840 long term care rider cost extra in in fees for that. 2366 02:11:25.359 --> 02:11:27.600 No, So the fee that they're built in, especially with 2367 02:11:27.640 --> 02:11:30.359 the one company we use that fifteen percent bonus. Their 2368 02:11:30.359 --> 02:11:32.520 fee is a tenth of a percent a year, and 2369 02:11:32.600 --> 02:11:35.399 so with that that's less than you know, when not 2370 02:11:35.399 --> 02:11:37.359 talking about one percent, we're talking about ten percent. That 2371 02:11:37.399 --> 02:11:39.640 includes the long term care rider, that includes the bonus, 2372 02:11:39.880 --> 02:11:42.560 that includes that income step up, the guaranteed size. So 2373 02:11:42.600 --> 02:11:46.520 that's all part of that, which is a minimal, minuscule amount. 2374 02:11:46.560 --> 02:11:48.800 But uh, that's that's the best it is. 2375 02:11:49.119 --> 02:11:51.039 So so let me ask you this. Then it does 2376 02:11:51.079 --> 02:11:52.840 include a cost of living adjustment? 2377 02:11:54.960 --> 02:11:58.680 You can have that, yes, so that that is additional 2378 02:11:58.680 --> 02:12:01.079 writers that would cast us more if you're going to 2379 02:12:01.119 --> 02:12:03.119 add on a cost of living and have a step 2380 02:12:03.199 --> 02:12:05.560 up on your income. But they are available. It just 2381 02:12:05.600 --> 02:12:07.000 really depends on the person situation. 2382 02:12:08.960 --> 02:12:14.039 How much would a cost of living cost increase your fee? Approxy. 2383 02:12:14.119 --> 02:12:16.319 No, that's that's one that I'll be honest, that's the 2384 02:12:16.359 --> 02:12:18.439 one that's just different for each company. But it's I've 2385 02:12:18.479 --> 02:12:20.600 seen them, you know, of a half percent, maybe get 2386 02:12:20.640 --> 02:12:23.600 to one percent, you know, Okay, that's got it. When 2387 02:12:23.600 --> 02:12:25.039 they look at the numbers, they got to see that, 2388 02:12:25.319 --> 02:12:27.039 you know, to see if it's worth the cost, right. 2389 02:12:26.960 --> 02:12:29.279 Right, And that's what you do. You you kind of 2390 02:12:29.319 --> 02:12:33.479 do a bunch of you do a bunch of comparisons, right. 2391 02:12:33.279 --> 02:12:35.399 It may make the best thing for everybody's buck. That's 2392 02:12:35.399 --> 02:12:37.840 the idea is get everybody the highest payout they can get, 2393 02:12:38.000 --> 02:12:40.359 and then of course with us laddering them and doing 2394 02:12:40.359 --> 02:12:42.439 the strategy of that sort. Some people might not want 2395 02:12:42.479 --> 02:12:44.000 to put the cost of living on there because then 2396 02:12:44.159 --> 02:12:46.840 they have two or three annuities that they can let 2397 02:12:46.840 --> 02:12:49.479 two continue to grow and turn the income on one 2398 02:12:49.800 --> 02:12:51.479 and then turn the second one on, turn a third 2399 02:12:51.520 --> 02:12:52.880 one on to avoid that fee. 2400 02:12:53.479 --> 02:12:56.319 Thank you all right? Three oh three seven one three 2401 02:12:56.319 --> 02:12:58.600 talk seven one three eight two five five more Right 2402 02:12:58.640 --> 02:13:01.800 after this, go with us sure Thing Denver's best roofer 2403 02:13:01.960 --> 02:13:03.439 Excel Roofing dot com. 2404 02:13:03.479 --> 02:13:05.520 You don't pay a cent until you're content. 2405 02:13:08.880 --> 02:13:12.439 Time for an insurance checkup, free no obligation comparison call 2406 02:13:12.520 --> 02:13:15.840 Compass Insurance paying too much your coverage at dozens of 2407 02:13:15.880 --> 02:13:18.840 insurance companies find out now three oh three seven seven 2408 02:13:18.840 --> 02:13:21.600 to one help. You'll think you're his only customer when 2409 02:13:21.640 --> 02:13:24.119 you choose Frank durand the real estate Man dot com 2410 02:13:24.119 --> 02:13:27.279 to list your home with Remax Alliance three oh three 2411 02:13:27.359 --> 02:13:29.039 nine two zero sixteen twenty two. 2412 02:13:36.800 --> 02:13:39.159 Hi Tom, Martino, you're a troubleshooter. 2413 02:13:39.279 --> 02:13:41.600 Three O three seven one three talks seven one three 2414 02:13:41.600 --> 02:13:44.640 two five five, Greg, what's going on? Greg? 2415 02:13:44.800 --> 02:13:50.119 Sure, I have as it's happening, and I I'm in 2416 02:13:50.199 --> 02:13:53.479 and out listening to your program at different times. But 2417 02:13:53.560 --> 02:13:55.960 I'm trying to figure out why would I do an 2418 02:13:56.000 --> 02:14:02.439 annuity versus doing something like the vest A program. 2419 02:14:02.640 --> 02:14:06.279 Well, there are two completely different things, and you wouldn't 2420 02:14:07.000 --> 02:14:11.600 and now now in an ideal world, Greg, In an 2421 02:14:11.600 --> 02:14:18.039 ideal world, I say, there's room for different investments in 2422 02:14:18.079 --> 02:14:21.600 your portfolio, right, like a regular stock or or a 2423 02:14:21.640 --> 02:14:22.800 regular investment fund. 2424 02:14:22.840 --> 02:14:24.680 I say stock, but I mean investment fund. 2425 02:14:25.079 --> 02:14:28.920 Maybe an annuity as you get older, and then Vestera 2426 02:14:29.079 --> 02:14:35.000 for sure. But there's not one or the other. But 2427 02:14:35.119 --> 02:14:39.680 I assure you, if you speak to Barry Miller at 2428 02:14:39.760 --> 02:14:43.720 Vestera Turnkey, he'll tell you Vestera is the way to 2429 02:14:43.760 --> 02:14:48.399 go and it will create income and equity growth and 2430 02:14:48.439 --> 02:14:52.239 capital gains, which is income, which is good. If you 2431 02:14:52.359 --> 02:14:56.600 talk to Jordan and Joe Kiano at my Moneymway dot com, 2432 02:14:56.600 --> 02:14:59.520 they're going to tell you a fixed indextinuity is the 2433 02:14:59.560 --> 02:15:04.359 way to go because it's security and it and all okay, 2434 02:15:04.520 --> 02:15:08.119 and income. So it really and and and actually, if 2435 02:15:08.159 --> 02:15:10.359 you talk to me at Wave eight Wealth Management, I'm 2436 02:15:10.359 --> 02:15:13.319 going to tell you that they're all good for different 2437 02:15:13.359 --> 02:15:17.439 times and different purposes. So there really isn't an easy 2438 02:15:17.479 --> 02:15:18.119 answer like that. 2439 02:15:20.079 --> 02:15:24.199 You're sixty eight, eight years old, and based on that, 2440 02:15:24.359 --> 02:15:25.960 what do you what do you think where do you 2441 02:15:25.960 --> 02:15:27.000 think I should put my money? 2442 02:15:27.039 --> 02:15:28.720 Well, there's a lot more I want to ask. First 2443 02:15:28.720 --> 02:15:30.479 of all, Okay, you're you're sixty eight. 2444 02:15:30.600 --> 02:15:31.439 Do you own a home? 2445 02:15:32.680 --> 02:15:35.520 Yes? Is it paid for? 2446 02:15:37.079 --> 02:15:37.159 No? 2447 02:15:37.279 --> 02:15:40.159 I still have two hundred thousand dollars I own the home. 2448 02:15:41.600 --> 02:15:42.680 What's the equity in it? 2449 02:15:44.359 --> 02:15:44.680 Uh? 2450 02:15:44.760 --> 02:15:47.119 Oh, it's assessed in a million. 2451 02:15:48.840 --> 02:15:53.079 Okay, good, good equity. Do you have good income or 2452 02:15:53.119 --> 02:15:55.159 are you retired? No? 2453 02:15:55.439 --> 02:15:59.079 Still working. Between my wife and I, we make about 2454 02:15:59.359 --> 02:16:01.720 eighty ninety thousand a years. 2455 02:16:02.319 --> 02:16:06.239 Okay in savings, just straight cash savings. What do you have. 2456 02:16:08.319 --> 02:16:12.680 We've got about thirty thousand in cash savings cash? 2457 02:16:13.640 --> 02:16:17.920 Okay. What do you have as far as high interest debt? 2458 02:16:19.600 --> 02:16:19.720 Uh? 2459 02:16:20.399 --> 02:16:22.439 Just the home, I mean high interest. 2460 02:16:22.520 --> 02:16:22.880 Nothing. 2461 02:16:23.359 --> 02:16:24.439 We pay off our credits. 2462 02:16:24.479 --> 02:16:29.119 Okay, good, good, excellent, excellent, greg excellent. What do you 2463 02:16:29.199 --> 02:16:32.600 have for investible money? In addition to the thirty grand 2464 02:16:32.600 --> 02:16:33.959 in cash. 2465 02:16:34.360 --> 02:16:37.639 Sitting in four to oh one ks. Right now, I've 2466 02:16:37.680 --> 02:16:44.200 got about four hundred, five hundred thousand dollars. 2467 02:16:42.520 --> 02:16:46.000 Okay, and you're sixty eight okay? And then what else. 2468 02:16:48.760 --> 02:16:49.159 Is that it? 2469 02:16:49.280 --> 02:16:50.200 Other than the home? 2470 02:16:50.440 --> 02:16:51.360 Other than the home? 2471 02:16:51.440 --> 02:16:52.159 That's about it? 2472 02:16:53.280 --> 02:16:58.440 Yes, okay, all right. I don't know what your health 2473 02:16:58.559 --> 02:17:02.479 is or your time horizon, but you could easily the 2474 02:17:02.520 --> 02:17:04.520 four First of all, with the four oh one K, 2475 02:17:05.239 --> 02:17:10.040 you can't convert that into Vestera turnkey to do those rentals. 2476 02:17:10.280 --> 02:17:13.440 You can't do that unless you went. 2477 02:17:13.280 --> 02:17:16.280 Through my money. All my money in the four oh 2478 02:17:16.319 --> 02:17:19.920 one ks is pre tax, so yeah, i'd have to. 2479 02:17:20.200 --> 02:17:23.159 That's that's what I mean. So it's called wait, wait, 2480 02:17:23.799 --> 02:17:28.920 it's called qualified money. So with qualified money, what you 2481 02:17:29.079 --> 02:17:32.879 can't do is converted to Vestera unless you do it 2482 02:17:33.760 --> 02:17:38.120 through a qualified intermediary, which you can do through us 2483 02:17:38.159 --> 02:17:41.120 at Wave Wealth Management, literally we do that. We have 2484 02:17:41.280 --> 02:17:46.440 intermediaries who take qualified money for investment accounts, or for 2485 02:17:46.959 --> 02:17:52.719 Vestera turnkey, or for whatever qualified investment there is. However, however, 2486 02:17:52.799 --> 02:17:57.399 with Joe and Jordan, you could literally turn the whole 2487 02:17:57.440 --> 02:18:01.040 thing over to an annuity if you wanted to. I 2488 02:18:01.079 --> 02:18:03.120 don't know if I would recommend that you do all 2489 02:18:03.159 --> 02:18:06.479 of it, you could do some in an annuity and 2490 02:18:06.559 --> 02:18:09.920 put some in a really good managed a count to 2491 02:18:10.040 --> 02:18:13.040 make money and then turn that over later on. 2492 02:18:14.280 --> 02:18:15.159 Yeah, yeah, or. 2493 02:18:17.079 --> 02:18:17.479 Go ahead. 2494 02:18:18.559 --> 02:18:21.280 The only other thing is I also have started to 2495 02:18:21.360 --> 02:18:25.159 take my Social Security, so I've got about thirty three 2496 02:18:25.239 --> 02:18:28.000 hundred coming in a month on Social Security. 2497 02:18:29.600 --> 02:18:33.280 Okay, that's really good too. Again, the answer is going 2498 02:18:33.319 --> 02:18:36.920 to be the same. I don't think you put anything 2499 02:18:37.000 --> 02:18:40.159 into one bucket yet you're not old enough. But I 2500 02:18:40.200 --> 02:18:43.120 don't think you should play with your qualified money with 2501 02:18:43.200 --> 02:18:48.200 a qualified intermediary because there's too many fees. Hang on, Kelly, 2502 02:18:48.239 --> 02:18:50.680 you'll get your number and we will pass it on. Okay, 2503 02:18:51.000 --> 02:18:52.000 I'm Tom Martino.