WEBVTT 1 00:00:05.240 --> 00:00:06.040 Ripped up. 2 00:00:07.519 --> 00:00:10.599 News needs who you don't have. 3 00:00:12.759 --> 00:00:16.239 Come running success as we can show. 4 00:00:16.440 --> 00:00:19.199 Shooter's gonna help coming man. 5 00:00:19.960 --> 00:00:24.960 This is the Troubleshooter Show. No Tom Martinez. Welcome my 6 00:00:25.000 --> 00:00:27.280 friends to the only and I mean that, the only 7 00:00:27.320 --> 00:00:30.679 show of his kind. We're here to solve problems, answer questions, 8 00:00:30.719 --> 00:00:32.880 take con place. You've been ripped off. If you just 9 00:00:32.920 --> 00:00:36.119 need some help, this is the show for you. Over 10 00:00:36.240 --> 00:00:42.000 three hundred million dollars in cash, merchandise, exchanges, refunds, services 11 00:00:42.280 --> 00:00:45.320 directly do to this show. Here's the bottom line. You 12 00:00:45.359 --> 00:00:48.039 got a bad contractor in your life, maybe has not 13 00:00:48.159 --> 00:00:51.399 finished the job but charged you one hundred percent, or 14 00:00:51.439 --> 00:00:53.759 you can't see him to find him, maybe he didn't 15 00:00:53.759 --> 00:00:58.000 do anything. We go after scumbags like that. Maybe you 16 00:00:58.079 --> 00:01:00.679 got a bad landlord. Maybe you haven't had hot water 17 00:01:00.759 --> 00:01:02.880 for about a week or two. We have dealt with 18 00:01:03.119 --> 00:01:07.879 so many of those recently, it's absolutely insane. The scum 19 00:01:07.959 --> 00:01:11.799 lords have been crawling out of the ditches for some reason. 20 00:01:12.040 --> 00:01:14.760 It's almost like when it rains real heavy and you 21 00:01:14.879 --> 00:01:18.040 see those worms just start popping up in a parking lot. 22 00:01:18.280 --> 00:01:21.400 That's how some of these landlords are now. Listen, there's 23 00:01:21.439 --> 00:01:26.120 also horrible, horrible, and I mean horrible tenants out there. 24 00:01:26.439 --> 00:01:31.079 A neighbor of ours, remember Deputy Dave Suzanne or Depity Dave, 25 00:01:31.319 --> 00:01:34.719 neighbor Dave Ye, my god, he had people living in 26 00:01:34.719 --> 00:01:38.159 his house in twenty twenty one for a full year, 27 00:01:38.680 --> 00:01:43.439 not paying one nickel of rent. He couldn't kick him out, 28 00:01:43.439 --> 00:01:46.760 He couldn't do anything you do. It was ridiculous, and 29 00:01:46.920 --> 00:01:51.840 he was paying Dmitri. Listen to this, Deputy Dmitri. Imagine 30 00:01:51.840 --> 00:01:54.599 you're renting out of house and you're renting it out 31 00:01:54.640 --> 00:01:58.879 for three thousand dollars a month, and your mortgage payment 32 00:01:58.959 --> 00:02:03.200 on that house is two nine and fifty dollars. He 33 00:02:03.439 --> 00:02:07.719 was losing cash flow like a mother every single day. 34 00:02:08.080 --> 00:02:10.680 It was horrible. You couldn't do anything back then. 35 00:02:10.960 --> 00:02:14.280 Yeah, that's a total definition of inequity, right, Yeah. 36 00:02:13.919 --> 00:02:15.960 It's crazy. And you couldn't take them to court, You 37 00:02:15.960 --> 00:02:18.319 couldn't get the sheriff to come out. And on top 38 00:02:18.360 --> 00:02:20.520 of that, they did some damage. So listen, I pick 39 00:02:20.560 --> 00:02:23.800 on landlords because recently we have gotten a ton of 40 00:02:23.800 --> 00:02:26.919 calls on them, But I digress. If you've been ripped 41 00:02:26.960 --> 00:02:30.439 off and need help, three zero three seven one three 42 00:02:30.479 --> 00:02:33.879 eight two five five, three zero three, Martina, we're here 43 00:02:33.879 --> 00:02:38.319 to help in studio with me, Joe Keiano, my Moneymway 44 00:02:38.360 --> 00:02:41.599 dot Com. We're gonna be talking about guaranteed income as 45 00:02:41.639 --> 00:02:44.159 we weave that through the show. In fact, Joe and 46 00:02:44.280 --> 00:02:48.840 I do a show on Sundays. It plays on What 47 00:02:48.680 --> 00:02:51.800 what is that station, Joe I Free? It's the Freedom 48 00:02:52.000 --> 00:02:54.400 Freedom hit your mic. Yeah, it's right next to us. 49 00:02:54.439 --> 00:02:56.800 I can't believe I forget the name of the station. 50 00:02:56.919 --> 00:03:01.280 That's literally ten feet away. Deputy bow sus County's on 51 00:03:01.319 --> 00:03:04.280 the other side of the glass, and Shannon, of course 52 00:03:04.360 --> 00:03:07.199 running at three zero three seven one three eight two 53 00:03:07.360 --> 00:03:10.280 five five. Let's start with Karen. Hey, Karen, what's going 54 00:03:10.319 --> 00:03:10.919 on with you? 55 00:03:12.360 --> 00:03:12.840 Hi there? 56 00:03:13.560 --> 00:03:15.439 I just want to say thank you for everything you 57 00:03:15.439 --> 00:03:18.280 guys have done all the years. I started listening to 58 00:03:18.360 --> 00:03:21.719 your show with my dad and then I kind of 59 00:03:21.759 --> 00:03:24.240 continued it on, so I appreciate it nice. 60 00:03:24.280 --> 00:03:27.039 What's going on with this roommate issue. 61 00:03:27.120 --> 00:03:32.319 Well, my daughter's moved out together and in October and 62 00:03:32.360 --> 00:03:36.039 within probably less than a month, my daughter met a 63 00:03:36.080 --> 00:03:40.680 guy she works with and she's pretty much basically moved 64 00:03:40.719 --> 00:03:44.280 him in and he's stopped paying rent. 65 00:03:44.639 --> 00:03:46.919 It's just some helped me out here. Is it a 66 00:03:46.919 --> 00:03:49.800 two bedroom apartment? What are we talking about? A house? 67 00:03:49.840 --> 00:03:50.599 What is it? 68 00:03:51.039 --> 00:03:52.280 It's a two bedroom apartment? 69 00:03:52.319 --> 00:03:54.360 And who lives there? Both of your daughters? 70 00:03:55.560 --> 00:03:56.680 Yeah, both of my daughters. 71 00:03:56.719 --> 00:03:59.400 And they pay people fifty to fifty and then one 72 00:03:59.439 --> 00:04:02.120 of them moved in what seems to be a deadbeat. 73 00:04:03.639 --> 00:04:03.840 Yeah. 74 00:04:04.080 --> 00:04:06.800 Yeah, basically he works and stuff like that. He lives 75 00:04:07.439 --> 00:04:10.759 with his aunt I guess, in the bottom of her 76 00:04:11.599 --> 00:04:15.319 house and she works with him and all that. And 77 00:04:15.400 --> 00:04:17.839 he did have also did have a car. Within the 78 00:04:17.920 --> 00:04:21.040 last three months or so, his car broke down, so 79 00:04:21.079 --> 00:04:22.480 he's been using her car too. 80 00:04:22.800 --> 00:04:25.560 Okay, So where are you going though? If she's putting 81 00:04:25.639 --> 00:04:28.240 up with this, I'll put my doctor Laura had On 82 00:04:28.319 --> 00:04:30.439 here for a second. I mean, it sounds like your 83 00:04:30.519 --> 00:04:32.240 daughter's doing everything wrong. 84 00:04:33.399 --> 00:04:37.519 Well she might, well, my other daughter, they're actual paternal twins, 85 00:04:37.639 --> 00:04:41.720 but wow, the one, the one daughter has been asking 86 00:04:41.800 --> 00:04:44.680 the other daughter. You know, since this all started to 87 00:04:44.839 --> 00:04:49.439 please he doesn't live here. I'm not happy with it. 88 00:04:49.560 --> 00:04:52.519 I bet you know. I've asked, he's asked him. You 89 00:04:52.519 --> 00:04:54.600 know that he has his own place. Can you go 90 00:04:54.720 --> 00:04:57.319 over there? You know? 91 00:04:57.639 --> 00:04:59.279 She's like, he didn't we didn't. 92 00:04:59.720 --> 00:05:03.680 You know, it's definitely creating a riff between the sisters. Right, 93 00:05:04.360 --> 00:05:08.000 Oh yeah, so the one so listen, in that lease, 94 00:05:08.160 --> 00:05:11.360 most likely there's only two people on it. I assume 95 00:05:11.399 --> 00:05:15.319 your two daughters both signed the lease equally. Ye yes, okay, 96 00:05:15.399 --> 00:05:18.959 So that guy really shouldn't live there. Somewhere in that 97 00:05:19.079 --> 00:05:22.360 lease most likely. Once again, if it's a typical apartment 98 00:05:22.399 --> 00:05:24.800 in Colorado, it's going to say if you're here more 99 00:05:24.879 --> 00:05:28.040 than three days, you're not supposed to be here more 100 00:05:28.079 --> 00:05:30.720 than three days, unless if you're added to the lease. 101 00:05:31.000 --> 00:05:34.120 So your one daughter that's not liking what's going on 102 00:05:34.480 --> 00:05:37.399 could simply call up the landlord and say, hey, this 103 00:05:37.439 --> 00:05:40.160 guy's not on the lease. I don't want him here. Now. 104 00:05:40.160 --> 00:05:42.839 It's going to create another bigger riff with their sister. 105 00:05:43.160 --> 00:05:45.439 But if you really want to guy out, that is 106 00:05:45.519 --> 00:05:46.800 the direction I would go. 107 00:05:48.199 --> 00:05:50.920 Okay, So I got to look through the lease because 108 00:05:51.000 --> 00:05:52.839 she couldn't see anything. 109 00:05:53.000 --> 00:05:54.480 Do you have a copy of the lease? 110 00:05:55.879 --> 00:05:57.439 I could probably get it from her. 111 00:05:57.680 --> 00:05:58.560 I would love to get it. 112 00:05:58.600 --> 00:06:00.560 If you got a copy of the lease, I'll send 113 00:06:00.600 --> 00:06:02.959 it over to one of our attorneys, die Ball Brad 114 00:06:03.000 --> 00:06:05.920 O'Brien and he can come back. But most of the 115 00:06:05.920 --> 00:06:09.600 ones that I've seen, they simply don't want people living there, 116 00:06:09.600 --> 00:06:13.879 not visiting, but people living there that are not on 117 00:06:13.959 --> 00:06:16.639 the leaves for a multitude of reasons. I'll give you 118 00:06:16.680 --> 00:06:20.759 an example. Our daughter is in a apartment with three 119 00:06:20.839 --> 00:06:26.319 roommates in Wyoming, and they can have guests for three days. 120 00:06:26.639 --> 00:06:29.959 That's it. After the three days, the guest has to leave. 121 00:06:30.240 --> 00:06:33.560 And if someone reported someone breaking that the landlord would 122 00:06:33.600 --> 00:06:36.800 get involved and make sure that person leaves. Go ahead, Dmitri. 123 00:06:36.959 --> 00:06:39.399 Hey, Karen, what does your daughter, who's involved with this 124 00:06:39.439 --> 00:06:41.759 winner have to say about this entire situation. 125 00:06:42.120 --> 00:06:44.160 She's probably halver heels. 126 00:06:44.879 --> 00:06:48.519 Oh yeah, she says, blinded by love. Yeah, they're in 127 00:06:48.560 --> 00:06:49.519 a relationship. 128 00:06:49.560 --> 00:06:49.920 That there. 129 00:06:50.079 --> 00:06:55.199 You know, it's cool. He you know, he's he helps 130 00:06:55.240 --> 00:06:57.160 for make dinner and blah blah blah and all this. 131 00:06:57.399 --> 00:06:59.519 She just thinks that. In my other she said, my 132 00:06:59.560 --> 00:07:01.959 other daughter is just jealous because she has a boyfriend. 133 00:07:02.360 --> 00:07:05.279 It's just a bunch of you know, it's just yeah, there's. 134 00:07:05.399 --> 00:07:07.560 You know, have you met the guy. Let's let's dig 135 00:07:07.639 --> 00:07:09.480 into this part of it. Have you met the guy? 136 00:07:09.600 --> 00:07:10.319 You yourself? 137 00:07:10.399 --> 00:07:13.079 I did, Yeah, I did briefly meet him a pretty 138 00:07:13.120 --> 00:07:15.439 nice guy at first, you know what I mean, But 139 00:07:16.680 --> 00:07:19.759 it's just not cool what he's doing. 140 00:07:20.199 --> 00:07:22.680 And you're saying because he's not chipping in, is what 141 00:07:22.720 --> 00:07:23.800 you're saying is not cool? 142 00:07:24.759 --> 00:07:27.759 Well and then also they didn't They barely just got 143 00:07:27.800 --> 00:07:30.319 moved out. They didn't even have boxes put away, and 144 00:07:30.399 --> 00:07:31.639 he was already there. 145 00:07:32.040 --> 00:07:34.199 And I was just like, she sounds like he's quick. 146 00:07:34.439 --> 00:07:37.199 Is the problem is the problem that your other daughter, 147 00:07:37.680 --> 00:07:41.040 who's the bystander in this relationship? Is her problem? That 148 00:07:41.040 --> 00:07:43.600 the guy just spends too much time at this apartment? 149 00:07:43.920 --> 00:07:45.399 And if so, I'm living there? 150 00:07:45.519 --> 00:07:47.879 Well no, she Karen just said, he's living with his 151 00:07:47.959 --> 00:07:49.120 aunt in some basement. 152 00:07:49.680 --> 00:07:52.759 Well yeah, well he that's where he normally live. That's 153 00:07:52.800 --> 00:07:54.079 where you know, that's pretty stay. 154 00:07:53.959 --> 00:07:55.839 Where he lived. How long has he been living here? 155 00:07:57.120 --> 00:08:01.519 Well, he goes home like one time a week, so he. 156 00:08:01.519 --> 00:08:03.480 Basically lives there, I mean, no matter how we look. 157 00:08:03.600 --> 00:08:05.759 Yeah, I mean she's spending every night there. 158 00:08:05.920 --> 00:08:08.680 Yeah, she just needs to get more aggressive on getting 159 00:08:08.720 --> 00:08:11.759 them out. But what I what I really do wonder though, 160 00:08:12.399 --> 00:08:16.399 is ultimately what might happen is the one daughter decides 161 00:08:16.480 --> 00:08:18.439 to move in with him if he can't live there 162 00:08:18.480 --> 00:08:19.600 with her. 163 00:08:20.279 --> 00:08:21.800 Well, I don't think it's just horrible. 164 00:08:22.040 --> 00:08:23.920 I guess I really want to know this, Karen, And 165 00:08:23.959 --> 00:08:27.000 it really doesn't matter what anybody thinks. But I'm curious 166 00:08:27.040 --> 00:08:29.720 what you think. Is this kind of a moral dilemma 167 00:08:29.839 --> 00:08:32.360 for you? Is that why you're getting involved in it? 168 00:08:33.559 --> 00:08:33.799 Yeah? 169 00:08:33.799 --> 00:08:38.320 Well, my one daughter, Devistanders, she just wants to know 170 00:08:38.480 --> 00:08:42.559 what her Wow, she can get him out, she can tell. 171 00:08:42.440 --> 00:08:44.720 Him to get the hell out. Quite frankly, I don't 172 00:08:44.759 --> 00:08:46.679 know why she couldn't tell him to get out. 173 00:08:46.600 --> 00:08:47.559 But she's did. 174 00:08:47.840 --> 00:08:50.600 And my other daughter's like, you have no say though, 175 00:08:50.679 --> 00:08:51.639 you can't say anything. 176 00:08:51.720 --> 00:08:53.679 Yeah, but that's all going to go to the lease. 177 00:08:53.799 --> 00:08:56.919 If she has a conversation with management, she should walk 178 00:08:57.000 --> 00:09:00.240 up to the leasing department or walk up to the 179 00:09:00.240 --> 00:09:03.399 the front or whatever's going on in that apartment wherever 180 00:09:03.440 --> 00:09:06.480 there's people, and say, hey, i've got a problem. This 181 00:09:06.559 --> 00:09:09.240 guy is not on the lease and he will not 182 00:09:09.360 --> 00:09:12.080 leave when I ask him to leave. Just get assertive 183 00:09:12.399 --> 00:09:14.480 if you really want to get rid of him, get assertive. 184 00:09:14.600 --> 00:09:15.679 That's what she's gonna do. 185 00:09:16.639 --> 00:09:20.440 That's what I told her to do, and so hopefully 186 00:09:20.480 --> 00:09:21.879 that's you know. 187 00:09:21.799 --> 00:09:24.120 What, Let's do this hold on, do me a favor. 188 00:09:24.159 --> 00:09:26.960 Hold on, Karen Kelly, let's get Brad O'Brien on. Let's 189 00:09:27.039 --> 00:09:29.440 just ask him in general how this works. We're not 190 00:09:29.519 --> 00:09:31.960 talking about a house. It could have some strange lease. 191 00:09:32.200 --> 00:09:34.159 I mean, let's think about this. So it's much more 192 00:09:34.159 --> 00:09:36.879 complicated than that. Well, I don't think it's complicated at all. 193 00:09:36.960 --> 00:09:40.840 I think it's a regular lease for an average apartment 194 00:09:41.080 --> 00:09:43.799 and you can't move in people that aren't on the lease. 195 00:09:43.960 --> 00:09:46.200 On the surface, of course, that's correct, But there is 196 00:09:46.200 --> 00:09:49.720 an even bigger issue, which is the family relationship between 197 00:09:49.720 --> 00:09:51.519 these two ladies that's in the apartment. 198 00:09:51.639 --> 00:09:54.240 That's not why she's calling, though. She's calling to see 199 00:09:54.279 --> 00:09:57.440 what her one daughter's rights are and getting this guy out. 200 00:09:57.559 --> 00:10:01.519 Yeah, and what you just said clear indirectly addresses that. 201 00:10:02.080 --> 00:10:06.399 But let's say the bystander daughter is successful in evicting this. 202 00:10:06.320 --> 00:10:08.200 Guy, and they can create a huge riff. 203 00:10:08.440 --> 00:10:10.600 Yeah, and what's it going to be like to live 204 00:10:11.080 --> 00:10:12.919 with this woman who probably thank god? 205 00:10:13.320 --> 00:10:14.679 Yeah? So what is so, Karen? 206 00:10:14.720 --> 00:10:18.039 What is the I mean, whatever you do, it's gonna 207 00:10:18.039 --> 00:10:21.200 have pretty terrible consequences. What is the ideal resolution to this? 208 00:10:21.440 --> 00:10:23.679 Can your bystander daughter move out? On her own, and 209 00:10:23.720 --> 00:10:25.120 then this guy will assume her release. 210 00:10:26.039 --> 00:10:27.440 They're not gonna have the assumption. 211 00:10:27.679 --> 00:10:30.080 I don't even know if that guy's gonna even want 212 00:10:30.080 --> 00:10:32.519 to do that. And I mean. 213 00:10:32.480 --> 00:10:34.360 I mean, do you think this guy's around, Karen? Do 214 00:10:34.440 --> 00:10:39.559 you think this guy's around for a while? Hold on, 215 00:10:39.639 --> 00:10:41.919 we're getting Brat O'Brien up right after this three oh 216 00:10:42.039 --> 00:10:46.080 three seven two five five, Dimitri, I agree with you, 217 00:10:47.200 --> 00:10:49.679 but I mean, what do you do about it? I mean, really, 218 00:10:49.720 --> 00:10:53.080 honest to god, if we got that in depth into 219 00:10:53.120 --> 00:10:56.039 every problem that came in, that's kind of crazy, don't 220 00:10:56.039 --> 00:10:56.519 you agree? 221 00:10:56.639 --> 00:10:59.480 I agree with that, But it seems like the easiest 222 00:10:59.519 --> 00:11:02.799 solution creates the least amount of long term friction is 223 00:11:02.840 --> 00:11:05.759 to have this guy replace the bystandards, I don't think. 224 00:11:05.639 --> 00:11:07.679 Either of the daughters could live on their own here. 225 00:11:07.840 --> 00:11:10.960 In other words, financially, let's ask Karen, Karen, we gotta 226 00:11:11.000 --> 00:11:11.840 break holl it kick. 227 00:11:16.399 --> 00:11:19.639 Go with a sure thing Denver's best roofer Excel roofing 228 00:11:19.759 --> 00:11:20.320 dot com. 229 00:11:20.360 --> 00:11:21.039 You don't pay a. 230 00:11:21.039 --> 00:11:27.519 Cent until you're contenth time for an insurance checkup free, 231 00:11:27.600 --> 00:11:31.320 no obligation. In comparison, call Compass insurance paying too much 232 00:11:31.440 --> 00:11:34.399 your coverage at dozens of insurance companies. Find Out now 233 00:11:34.480 --> 00:11:35.960 three O three seven to seven to one. 234 00:11:36.080 --> 00:11:36.360 Help. 235 00:11:36.519 --> 00:11:39.159 You'll think you're his only customer when you choose Frank 236 00:11:39.200 --> 00:11:41.679 durand the real estate Man dot com to list your 237 00:11:41.679 --> 00:11:45.320 home with Remax Alliance three three nine two zero sixteen 238 00:11:45.399 --> 00:11:45.879 twenty two. 239 00:11:47.759 --> 00:11:49.919 All right, let me tell you about Frank Duran, the 240 00:11:50.000 --> 00:11:53.320 real estate man. How I love the Frank got us 241 00:11:53.360 --> 00:11:55.360 more money for our house and got it quicker. He 242 00:11:55.440 --> 00:11:58.399 actually listed our house on a Friday. We had twenty 243 00:11:58.519 --> 00:12:02.600 thirty valid offers, some of them no contingencies. That Monday 244 00:12:03.080 --> 00:12:06.600 he did this thing called the Matterhorn Walkthrough, so it 245 00:12:06.639 --> 00:12:09.720 was basically a virtual walkthrough of our house. It was 246 00:12:09.759 --> 00:12:12.960 a really weird camera that spins around and this guy 247 00:12:13.080 --> 00:12:15.759 came in and they staged the house. Bottom line is, 248 00:12:15.799 --> 00:12:18.879 we had almost one hundred thousand people over the weekend 249 00:12:18.960 --> 00:12:21.120 walk through our house. We got more money for that 250 00:12:21.159 --> 00:12:24.120 house than I could have ever imagined, more than any 251 00:12:24.440 --> 00:12:26.840 models in the neighborhood. The same one right there in 252 00:12:26.879 --> 00:12:29.840 Castle Rock. If you want the best, forget about the rest. 253 00:12:29.879 --> 00:12:36.320 Frank Duran Owns dot com. That's Frank Duran Homes dot Com. 254 00:12:36.399 --> 00:12:39.120 Now I'm going to go to Brad O'Brien. Hey, Brad, 255 00:12:39.159 --> 00:12:41.279 I've got a couple questions for you. First of all, 256 00:12:41.360 --> 00:12:42.360 do you have a good weekend? 257 00:12:42.399 --> 00:12:42.559 Man? 258 00:12:42.600 --> 00:12:43.799 How are you doing today, sir? 259 00:12:44.720 --> 00:12:45.240 Good fie? 260 00:12:45.240 --> 00:12:45.720 How about you? 261 00:12:46.240 --> 00:12:47.159 I had a good weekend? 262 00:12:47.159 --> 00:12:47.320 Man? 263 00:12:47.360 --> 00:12:50.519 We really did let me ask you something. So I'm 264 00:12:50.559 --> 00:12:52.559 assuming I don't have a copy of the least. But 265 00:12:52.559 --> 00:12:55.879 it's an apartment complex. We're not talking like a private 266 00:12:55.919 --> 00:13:00.759 home or anything. It's in Colorado. There's two dolls. The 267 00:13:00.840 --> 00:13:02.759 mother is the one on the phone with is. Her 268 00:13:02.840 --> 00:13:06.320 name's Karen, and they moved in together, and they're both 269 00:13:06.399 --> 00:13:08.799 on the lease at this apartment, so I'm sure they're 270 00:13:09.000 --> 00:13:12.679 both financially responsible one hundred percent for it. One of 271 00:13:12.679 --> 00:13:16.159 the daughters has moved into her boyfriend. Now, listen, I 272 00:13:16.240 --> 00:13:18.600 understand you don't have the lease to look at. So 273 00:13:18.679 --> 00:13:20.919 what I'm asking and we're going to try to get 274 00:13:20.960 --> 00:13:23.399 the lease. But what I'm asking you to do is 275 00:13:23.440 --> 00:13:28.399 imagine it's a normal lease for an average apartment in Colorado. 276 00:13:28.480 --> 00:13:31.200 However that looks, I'm sure you've seen a ton of them. 277 00:13:31.480 --> 00:13:34.759 But she moved a boyfriend in and he's been there 278 00:13:35.159 --> 00:13:37.600 on and off for a period of time. In fact, Karen, 279 00:13:37.600 --> 00:13:39.919 how long has he been there? I realize he goes 280 00:13:39.960 --> 00:13:42.360 home once a week, but how long has he been 281 00:13:42.399 --> 00:13:44.320 basically camping out at dis place. 282 00:13:45.919 --> 00:13:46.279 Since? 283 00:13:46.399 --> 00:13:48.799 Pretty much about the beginning of November. 284 00:13:48.960 --> 00:13:52.159 Okay, so you know whatever, four or five, six months whatever. 285 00:13:52.440 --> 00:13:55.399 So Brad, the one daughter is sick and tired of it, 286 00:13:55.440 --> 00:13:59.440 doesn't want the guy there, I said, most likely somewhere 287 00:13:59.519 --> 00:14:02.679 in that lease there's probably a provision saying you can 288 00:14:02.759 --> 00:14:05.799 have a guest for up to three days or whatever 289 00:14:05.840 --> 00:14:08.440 it is, or have family over, but you can't simply 290 00:14:08.480 --> 00:14:12.240 have someone else move in. And my suggestion was she 291 00:14:12.399 --> 00:14:15.960 goes to the landlord or goes to the property management 292 00:14:16.039 --> 00:14:19.039 and basically tells them straight up, this guy's there all 293 00:14:19.080 --> 00:14:21.360 the time. He's living there six seven days out of 294 00:14:21.360 --> 00:14:23.519 the week. I want him out. I mean, what is 295 00:14:23.559 --> 00:14:26.240 your opinion on this without seeing the lease? 296 00:14:26.960 --> 00:14:31.759 Well, first question is has this guy established a tendency there? 297 00:14:31.799 --> 00:14:34.159 And that's the question of fact. You know, does he fable, 298 00:14:34.200 --> 00:14:37.080 does he does he maintain a residence somewhere else? Is 299 00:14:37.120 --> 00:14:39.960 it just occasional enough that he has an established residency. 300 00:14:40.399 --> 00:14:43.120 If he's established residency, then he's entitled to do process, 301 00:14:43.600 --> 00:14:46.120 you know, as far as addiction goes, otherwise, you could 302 00:14:46.200 --> 00:14:48.080 next time he shows up, if he's not really a 303 00:14:48.120 --> 00:14:50.759 tenant there or has no tendency, you could just let 304 00:14:50.799 --> 00:14:51.000 him in. 305 00:14:51.480 --> 00:14:53.720 Well here's the problem. Yeah, but hold on, Brad. The 306 00:14:53.759 --> 00:14:56.200 one girl is dating them and wants them there. The 307 00:14:56.240 --> 00:14:59.639 one sister, the other sister doesn't want him there, and 308 00:14:59.720 --> 00:15:01.919 both sisters are equally on the lease. 309 00:15:04.720 --> 00:15:09.200 Are these are these two daughters adult? Eighteen and other 310 00:15:09.399 --> 00:15:09.840 or yeah? 311 00:15:09.840 --> 00:15:11.240 I'm sure how old are they? 312 00:15:11.240 --> 00:15:11.399 Care? 313 00:15:11.440 --> 00:15:12.639 And just roughly twenty as well? 314 00:15:13.000 --> 00:15:14.799 They're twenty four. 315 00:15:14.799 --> 00:15:18.200 Okay, and they're twins. I mean they're twins, Brad, which 316 00:15:18.240 --> 00:15:20.960 makes this crazy. So the one, just to clarify, the 317 00:15:20.960 --> 00:15:24.799 one daughter does not want a guy there, the guy 318 00:15:25.000 --> 00:15:27.600 date or the girl dating on the sister dating the 319 00:15:27.639 --> 00:15:29.279 guy does want him there. 320 00:15:30.320 --> 00:15:33.279 So so both daughters and the mother live there, and 321 00:15:33.480 --> 00:15:34.399 all of them are on the lease. 322 00:15:34.679 --> 00:15:37.240 No mother, just two daughters on the guy. They kind 323 00:15:37.240 --> 00:15:39.879 of moved in and the guy is not on the lease. 324 00:15:40.200 --> 00:15:41.879 The guy is not on the lease. 325 00:15:43.320 --> 00:15:46.919 Okay. Yeah, I was thinking for a second about whether 326 00:15:49.720 --> 00:15:51.600 if they if they both didn't want the guy there, 327 00:15:51.639 --> 00:15:54.759 then they could actually vict him as as sub landlords. 328 00:15:54.759 --> 00:15:57.519 And he's a subtenant. But because one of the tenants 329 00:15:57.559 --> 00:16:00.159 actually wants him there and giving him permission to be there, 330 00:16:00.679 --> 00:16:03.519 then not what the other tenant can do about it 331 00:16:03.639 --> 00:16:06.639 directly but indirectly, Yeah, go to the landlord. It's going 332 00:16:06.720 --> 00:16:09.279 to cause trouble with the landlord maybe evicting all of them. 333 00:16:09.759 --> 00:16:11.799 It's gonna cost, it's going to cause trouble with the 334 00:16:11.879 --> 00:16:14.919 two sisters and the whole family dynamic and everything else. 335 00:16:15.000 --> 00:16:17.360 But I mean, if they really want this guy out 336 00:16:17.360 --> 00:16:19.120 of here, So what you're saying is you would go 337 00:16:19.200 --> 00:16:22.320 to the landlord the management company and basically say, hey, 338 00:16:22.320 --> 00:16:24.399 I want this guy out. He's not on the lease 339 00:16:24.799 --> 00:16:26.799 and I am on the lease and I don't want 340 00:16:26.879 --> 00:16:29.320 him there, and they would have to do the eviction 341 00:16:29.559 --> 00:16:32.840 if he is basically a resident there. Now is he 342 00:16:32.919 --> 00:16:35.840 a resident? How do you define that, brad Well? 343 00:16:35.960 --> 00:16:42.799 No, the tendancy only really well, okay, between between the 344 00:16:43.000 --> 00:16:45.919 three people there on the landlord, only the two daughters 345 00:16:45.919 --> 00:16:51.480 are on the lease are tenants. Yeah, right, And so 346 00:16:51.519 --> 00:16:53.960 the landlord can can't evict the guy who's not on 347 00:16:53.960 --> 00:16:57.279 the lease. They can't evict any other two girls. 348 00:16:58.440 --> 00:17:00.240 Wait a minute, Wait a minute, you're saying and he 349 00:17:00.279 --> 00:17:02.519 would have to evict all three. Did you just say that? 350 00:17:02.559 --> 00:17:04.720 No, No, no, no, I'm not saying that. Honestly, the opposite. 351 00:17:04.880 --> 00:17:07.000 That landlord can actually evict the one person who's not 352 00:17:07.359 --> 00:17:07.880 on the lease. 353 00:17:08.000 --> 00:17:10.920 But it's still a normal eviction process. In other words, 354 00:17:10.920 --> 00:17:12.720 it's still going to take a month or whatever. 355 00:17:13.480 --> 00:17:16.119 Right now. The landlord might may be very unhappy about 356 00:17:16.119 --> 00:17:19.000 this situation of having into in her attorney fees, may 357 00:17:19.000 --> 00:17:21.000 try to charge it back to the two tenants who 358 00:17:21.039 --> 00:17:23.319 are on the lease. Yep, and maybey threw up his 359 00:17:23.400 --> 00:17:27.079 hands and vict all of them just because of not 360 00:17:27.160 --> 00:17:28.599 being happy with the situation. 361 00:17:28.240 --> 00:17:30.880 And they could and in the landlord most likely could 362 00:17:30.880 --> 00:17:33.279 probably do that because in the lease you're supposed to 363 00:17:33.279 --> 00:17:35.880 report someone else living there. In other words, they broke 364 00:17:35.920 --> 00:17:36.319 the lease. 365 00:17:37.000 --> 00:17:40.480 Yeah, most leases will say something like you can't have 366 00:17:40.519 --> 00:17:43.079 somebody who's not on the lease move in, so that 367 00:17:43.720 --> 00:17:46.559 would be a breach of the lease warranting addiction of 368 00:17:46.599 --> 00:17:48.000 everybody from the premises. 369 00:17:48.920 --> 00:17:51.839 Karen, do you have any questions for our attorney Brad O'Brien. 370 00:17:54.200 --> 00:17:57.359 No, I kind of thought's kind of all those things. 371 00:17:57.400 --> 00:18:00.440 I was thinking. I just kind of wanted to get well. 372 00:18:00.599 --> 00:18:03.480 My daughter that is not happy about the situation. 373 00:18:03.680 --> 00:18:06.359 She's tried to talk to her sister. They're already at odds. 374 00:18:06.480 --> 00:18:07.880 Yeah, she's she's in love. 375 00:18:09.480 --> 00:18:13.960 Oh yeah, and it's it's just irritating. And she's tried to, 376 00:18:14.079 --> 00:18:17.319 you know, say stuff, and she's like, well, she's a guest. 377 00:18:17.400 --> 00:18:21.720 He's a guest. But she's like, no, he's sleeping here 378 00:18:21.799 --> 00:18:22.480 every night. 379 00:18:22.680 --> 00:18:23.680 Yeah. 380 00:18:23.759 --> 00:18:26.240 So I just wanted to see I did have I 381 00:18:26.279 --> 00:18:28.559 did find a copy of the leaf. She did send 382 00:18:28.599 --> 00:18:30.480 it to me in a PDF form. 383 00:18:30.559 --> 00:18:33.279 Yeah, there's somewhere in that lease. I bet money on it, 384 00:18:33.319 --> 00:18:35.160 and I would like you to send it to us, 385 00:18:35.440 --> 00:18:37.480 and I can send it off to Brad. Brad, would 386 00:18:37.519 --> 00:18:39.599 you mind just looking at it or eyeballing it for 387 00:18:39.640 --> 00:18:41.279 a minute if we send it over. 388 00:18:41.960 --> 00:18:43.920 Even if it doesn't say you can't have guests longer 389 00:18:43.960 --> 00:18:47.039 than a certain you still can't. If a person's nose, 390 00:18:47.160 --> 00:18:49.039 they have the right and they can be convicted. 391 00:18:49.480 --> 00:18:51.680 Yeah, which is which is the way it should be. 392 00:18:51.759 --> 00:18:53.920 Quite frankly, I have a question for Brad. 393 00:18:54.119 --> 00:18:58.200 Go ahead, So, Brad, regarding this situation, the daughter that 394 00:18:58.440 --> 00:19:02.519 the bystander daughter, can she do a sub eviction and 395 00:19:02.720 --> 00:19:06.839 hand this boyfriend over a ten day notice herself without 396 00:19:06.839 --> 00:19:08.359 getting the landlord involved. 397 00:19:08.839 --> 00:19:10.680 Well, that's what I first thought about. What you have 398 00:19:10.799 --> 00:19:13.400 is a fifty fit in handoff because you. 399 00:19:13.440 --> 00:19:16.400 Have the other one wants her there, one give you. 400 00:19:16.319 --> 00:19:19.440 Permission and the other saying you don't have permission. 401 00:19:19.079 --> 00:19:22.039 And because they're equal on the lease. Basically, Brad, you're 402 00:19:22.079 --> 00:19:25.119 saying that you know ones that one can't outshine the other. 403 00:19:25.680 --> 00:19:27.400 Yeah, that's an impasse, right, got it. 404 00:19:27.759 --> 00:19:30.039 Okay, that's a good question, though, Bo, that's a really 405 00:19:30.039 --> 00:19:33.440 good question. Yeah, all right, So Karen, Hey, Brad O'Brien. 406 00:19:33.480 --> 00:19:36.160 By the way, this guy's great. If you're a landlord 407 00:19:36.160 --> 00:19:38.799 out there and have not had your lease looked at, 408 00:19:39.160 --> 00:19:42.279 uh in a while, there's been so many rule changes 409 00:19:42.319 --> 00:19:46.519 in Colorado, please get that. Yeah. In fact, both can 410 00:19:46.559 --> 00:19:49.240 attest to it. He's got numerous rental properties that can 411 00:19:49.319 --> 00:19:51.400 become a mess. You don't want to get to the 412 00:19:51.440 --> 00:19:54.480 point where you can't actually get rid of a tenant 413 00:19:54.480 --> 00:19:56.559 because your lease isn't good. And then if you have 414 00:19:56.599 --> 00:19:59.279 a commercial property, Brad can look at it. But he 415 00:19:59.640 --> 00:20:03.240 works both sides. He can do everything. Tenant landlord, commercial 416 00:20:03.319 --> 00:20:07.559 residential seven two zero three seventy seventy three eighty eight 417 00:20:07.920 --> 00:20:10.400 landlords give him a call, Brad, I appreciate you coming on. 418 00:20:10.920 --> 00:20:14.799 Chances of us needing you again are probably pretty high. 419 00:20:14.839 --> 00:20:17.640 Three O three I'm sorry, bred O'Brien seven two zero 420 00:20:17.759 --> 00:20:21.559 three seventy seventy three eighty eight. Karen, just in closing, 421 00:20:21.839 --> 00:20:23.759 you know what's kind of sad about this is where 422 00:20:23.839 --> 00:20:27.880 Dimitri was going. This can kind of, you know, break 423 00:20:27.960 --> 00:20:31.400 up a family for a little bit. I wonder do 424 00:20:31.480 --> 00:20:34.559 you do you consider the one daughter and I'm just curious, 425 00:20:35.000 --> 00:20:37.720 do you consider him kind of naive when it comes 426 00:20:37.759 --> 00:20:40.680 to this new guy in her life. Did he just 427 00:20:40.720 --> 00:20:42.920 come in and sweep her off her feet? Is it 428 00:20:43.000 --> 00:20:46.839 her first boyfriend? I'm just curious why this why you're 429 00:20:46.880 --> 00:20:50.160 not happy and the sisters not happy because apparently you 430 00:20:50.200 --> 00:20:54.000 guys see something that she is not seeing in this guy. 431 00:20:57.400 --> 00:21:00.839 This is kind of something she does. She and she 432 00:21:01.039 --> 00:21:03.599 just broke up with a guy for over a decade, 433 00:21:03.839 --> 00:21:07.720 oh wow, since she was sixteen, and every about every 434 00:21:07.799 --> 00:21:11.880 six months she'd end up on our our front porch 435 00:21:12.079 --> 00:21:14.880 with a couple of black bags because he would kick 436 00:21:14.920 --> 00:21:15.680 her out. 437 00:21:16.160 --> 00:21:16.519 Wow. 438 00:21:16.640 --> 00:21:19.039 And so she just. 439 00:21:19.039 --> 00:21:20.759 Kind of used to She's kind of used to getting 440 00:21:20.799 --> 00:21:23.039 abused I mean, really, that's what it sounds like. And 441 00:21:23.079 --> 00:21:27.279 I don't necessarily mean physically, but you know, yeah, what's 442 00:21:27.279 --> 00:21:30.279 this current guy, like, what's his situations? You have a job? 443 00:21:30.319 --> 00:21:31.119 What kind of job? 444 00:21:31.880 --> 00:21:34.480 Yeah, he has a job. They both work, they actually 445 00:21:34.480 --> 00:21:38.119 work together. He seemed somewhat responsible. 446 00:21:38.279 --> 00:21:38.759 It's good. 447 00:21:40.440 --> 00:21:42.039 What's the drug and alcohol situation? 448 00:21:42.319 --> 00:21:42.359 Like? 449 00:21:42.400 --> 00:21:43.279 In reference to this. 450 00:21:43.240 --> 00:21:46.480 Call, No, they don't, neither one of them do. 451 00:21:47.880 --> 00:21:49.519 Hey, let me tell you, she could be in a 452 00:21:49.519 --> 00:21:51.640 lot better shape than a lot of people out there. 453 00:21:51.720 --> 00:21:53.920 I mean, oh, yeah, you know, that's just kind of 454 00:21:53.920 --> 00:21:57.160 the way it is. But I don't like that first one. 455 00:21:57.200 --> 00:22:00.559 For a decade of kind of this abusiveness of get out, 456 00:22:00.599 --> 00:22:02.880 and she shows up with the bags, It's like she 457 00:22:03.079 --> 00:22:06.599 probably puts up with a little more than she should. 458 00:22:08.039 --> 00:22:08.839 Yeah, she does. 459 00:22:08.880 --> 00:22:12.359 And the other daughters, they finally they're you know, since 460 00:22:12.400 --> 00:22:15.640 their sisters, they've never really lived together and since she 461 00:22:15.720 --> 00:22:16.720 broke up with the guy. 462 00:22:16.920 --> 00:22:19.200 Wait a minute, did they not grow up together under 463 00:22:19.240 --> 00:22:24.559 your house? Okay, come in without you, without you there 464 00:22:24.640 --> 00:22:28.920 to tell them what's going on? Yeah, Well the one, hey, Karen, 465 00:22:29.039 --> 00:22:32.240 is the other one assertive? If I was looking at both, 466 00:22:32.920 --> 00:22:35.559 is one way more assertive? The one that's not dating 467 00:22:35.599 --> 00:22:35.960 the guy. 468 00:22:39.039 --> 00:22:42.160 The one that's dating the guy is more of the bully. 469 00:22:42.880 --> 00:22:46.200 Okay, interesting, Yeah, all right, well listen. If you have 470 00:22:46.480 --> 00:22:50.160 any more questions, feel free to call back or to 471 00:22:50.200 --> 00:22:52.319 reach out. You can always email us, you or anybody 472 00:22:52.359 --> 00:22:55.400 else at help at troubleshooter dot com. Yvonne, I'm dying 473 00:22:55.440 --> 00:22:57.519 to hear your comment on this, but I have to 474 00:22:57.559 --> 00:23:00.640 take this break. Three zero three seven one three eight 475 00:23:00.640 --> 00:23:03.720 two five five. You've been ripped off or taken advantage 476 00:23:03.759 --> 00:23:05.759 of Get on that phone now. 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Situation, 502 00:24:37.519 --> 00:24:41.880 yvon what is your comment on The karen two daughters? 503 00:24:41.880 --> 00:24:47.599 Situation why don't the boyfriend and the girlfriend get, married 504 00:24:48.400 --> 00:24:51.359 either rent a place on their, own whether it be 505 00:24:51.559 --> 00:24:54.559 a room rent or an, apartment or buy a home 506 00:24:54.599 --> 00:24:57.079 together and then have the sister get a new. 507 00:24:57.160 --> 00:25:00.599 Roommate, well that'd be. Great the landlord would have to do. 508 00:25:00.680 --> 00:25:04.960 THAT i would assume right now that the second daughter 509 00:25:05.079 --> 00:25:08.279 that's dating this, guy if she moved, out that would 510 00:25:08.319 --> 00:25:11.400 put the entire rent burden on her. Sister but yet 511 00:25:11.400 --> 00:25:14.759 they're both responsible for. It the landlord will probably end 512 00:25:14.839 --> 00:25:17.880 up going after both of them if they can't afford the. 513 00:25:17.920 --> 00:25:20.559 Rent SO i mean that that would create a pretty big. 514 00:25:20.599 --> 00:25:24.200 Issue, Yvonne, well if they get if she gets a 515 00:25:24.200 --> 00:25:26.279 new roommate and she has a, commitment and then they 516 00:25:26.359 --> 00:25:29.200 just change the lease into the, Sister. 517 00:25:29.440 --> 00:25:31.319 AND i would, think AND i agree with, you if 518 00:25:31.480 --> 00:25:34.079 if the new roommate had good credit and, STUFF i 519 00:25:34.079 --> 00:25:37.599 would agree with you that that probably is possible to. 520 00:25:37.680 --> 00:25:40.480 Happen i'm not quite sure why they don't work towards, 521 00:25:40.480 --> 00:25:42.720 that but let's Ask karen real. QUICK i don't mind doing. 522 00:25:42.759 --> 00:25:44.920 That hold, On, So, karen what do you think Of 523 00:25:45.039 --> 00:25:48.720 yvonne's idea where maybe she gets a place with this 524 00:25:48.759 --> 00:25:52.480 guy and then you guys try to find another roommate 525 00:25:52.519 --> 00:25:53.039 for your other. 526 00:25:53.160 --> 00:25:57.720 Daughter, yeah she just met this, guy so getting married 527 00:25:57.839 --> 00:26:03.200 is kind of that's that's a little that's a little. 528 00:26:03.240 --> 00:26:05.640 Quick, yeah that's a little. Quick but maybe even just 529 00:26:05.720 --> 00:26:08.240 move in. Together maybe the getting married right now is 530 00:26:08.279 --> 00:26:10.880 a little, crazy but, YEAH i mean just moving in. 531 00:26:10.880 --> 00:26:12.839 Together if they want to live, together why, Not. 532 00:26:14.240 --> 00:26:17.519 That's WHAT I i, WELL i my other. DAUGHTER i 533 00:26:17.519 --> 00:26:19.839 don't know if she could find a roommate that. 534 00:26:19.920 --> 00:26:22.480 Quickly, yeah it is, Hard there's no doubt about. It 535 00:26:22.519 --> 00:26:24.519 how much is the? Rent and Then i'm GONNA i 536 00:26:24.559 --> 00:26:26.799 got to drop this? Call but how much is? It i'm? 537 00:26:26.839 --> 00:26:31.079 Curious it's about fifteen. 538 00:26:30.720 --> 00:26:33.960 Hundred, yeah, okay that's actually you mean per person or, 539 00:26:34.000 --> 00:26:35.559 both per? 540 00:26:35.599 --> 00:26:35.839 Both? 541 00:26:36.039 --> 00:26:37.559 Yeah, okay that's, cheap isn't? 542 00:26:37.599 --> 00:26:37.720 It? 543 00:26:38.240 --> 00:26:41.240 Super that's dirt. Cheap all? Right, Hey, KAREN i do 544 00:26:41.359 --> 00:26:44.559 appreciate the. Call we are going to forward that lease 545 00:26:44.599 --> 00:26:47.240 over To brad. O'Brien he's going to eyeball. It i'm 546 00:26:47.240 --> 00:26:49.599 not sure if there's anything to really follow up, on 547 00:26:49.880 --> 00:26:52.880 but if there's something in that lease that is pertinent 548 00:26:53.000 --> 00:26:56.079 to the entire conversation we've, had we'd like To we'll 549 00:26:56.119 --> 00:26:58.599 have someone reach back out to. You three oh three 550 00:26:58.759 --> 00:27:01.359 seven one three eight five. Five we're gonna have lines. 551 00:27:01.400 --> 00:27:03.480 OPEN i would love to hear from, you a bad 552 00:27:03.559 --> 00:27:07.440 contractor bad, landlord any problem you. Have maybe something's brewing 553 00:27:07.480 --> 00:27:09.680 and we can help you before there is a. Problem 554 00:27:10.079 --> 00:27:13.119 three zero Three, martino three oh Three. MARTINO i want 555 00:27:13.160 --> 00:27:17.279 to talk to Uh Joe keano my, Money myway Dot. Com, 556 00:27:17.359 --> 00:27:20.039 joe we talk all the time about your. Product i'm 557 00:27:20.039 --> 00:27:22.599 Gonna i'm gonna put. It in, FACT i want You. 558 00:27:22.720 --> 00:27:25.799 Dmitri you're good at kind of picking things. Apart so 559 00:27:26.440 --> 00:27:30.359 you you literally get a fifteen percent bonus on this 560 00:27:30.440 --> 00:27:34.839 annuity That joe. Sells, okay and you you actually sell 561 00:27:35.000 --> 00:27:37.720 different ones depending on what's going. ON i, mean he's 562 00:27:37.759 --> 00:27:41.240 gonna find the right. One but for someone my, age 563 00:27:41.640 --> 00:27:43.559 the one that makes sense to, me you get a 564 00:27:43.559 --> 00:27:47.880 fifteen percent. Bonus let's take easy. Numbers million dollars right, 565 00:27:47.920 --> 00:27:50.960 now you have one, million one hundred and fifty thousand 566 00:27:51.000 --> 00:27:55.359 to work for that, money right. There, yeah from day, One, 567 00:27:55.440 --> 00:27:59.240 joe that. Money think of, this, Man i'm fifty. Three 568 00:27:59.319 --> 00:28:02.240 let's Say i'm gonna retired. Seventy so you got one, 569 00:28:02.759 --> 00:28:05.440 million one hundred and fifty. Thousand even though you only 570 00:28:05.480 --> 00:28:08.319 bought the annuity for a. Million you can borrow from. 571 00:28:08.359 --> 00:28:11.720 It so IF i needed in this scenario one hundred thousand, 572 00:28:11.799 --> 00:28:14.519 DOLLARS i could borrow one hundred thousand from. It this, 573 00:28:14.640 --> 00:28:17.200 year one hundred thousand from it next. Year you can 574 00:28:17.240 --> 00:28:19.680 borrow up to ten, Percent so you can borrow from 575 00:28:19.759 --> 00:28:22.200 it if that cash is need ten percent of what 576 00:28:22.359 --> 00:28:24.640 well value the value. 577 00:28:24.920 --> 00:28:27.279 Value, okay but you don't have to borrow, it, Mark, 578 00:28:27.400 --> 00:28:28.960 yeah you can just withdraw. 579 00:28:29.000 --> 00:28:30.960 It, yeah you can take it, out they, can but 580 00:28:31.039 --> 00:28:32.279 you can put it back in if you. 581 00:28:32.240 --> 00:28:34.279 Want if you want, to, yes but you don't have. 582 00:28:34.359 --> 00:28:36.680 To, yeah but if it was inside of a retirement, 583 00:28:36.759 --> 00:28:38.880 fund you'd probably want to take it back before you're, 584 00:28:38.880 --> 00:28:41.799 retired right. Exactly, yeah But i'm saying you do have 585 00:28:41.880 --> 00:28:44.079 access almost like a four oh ONE, k you can 586 00:28:44.119 --> 00:28:44.640 borrow from. 587 00:28:44.680 --> 00:28:46.319 It, yeah but the thing is a four oh ONE 588 00:28:46.359 --> 00:28:48.359 k has an interest rate that you got to pay 589 00:28:48.359 --> 00:28:48.559 on the. 590 00:28:48.599 --> 00:28:51.319 Loan this is not a. Loan, YEAH i guess it a. 591 00:28:51.400 --> 00:28:53.599 Withdrawal but you can put it. Back you can put it, 592 00:28:53.640 --> 00:28:54.880 back and you can do that with how. 593 00:28:55.000 --> 00:28:58.079 Penalty it's better than borrowing the money from a four 594 00:28:58.079 --> 00:28:58.519 a one. 595 00:28:58.400 --> 00:29:02.039 Game where you pay the. Entrance so so let's say 596 00:29:02.039 --> 00:29:05.559 that thing sits for seventeen, years, okay And i'm using 597 00:29:05.680 --> 00:29:09.079 numbers that they ran on, Me so that sits for seventeen, 598 00:29:09.160 --> 00:29:11.240 years AND i decide, Okay i'm going to retire and 599 00:29:11.279 --> 00:29:14.799 start taking the. INCOME i will get a check every 600 00:29:14.880 --> 00:29:18.279 month till the DAY i, die no matter. What and 601 00:29:18.319 --> 00:29:21.039 that check is going to be upwards of about fourteen 602 00:29:21.079 --> 00:29:24.279 thousand a month IF i ever Need, so what is 603 00:29:24.319 --> 00:29:26.359 that a? Year that's like one hundred and sixty a. 604 00:29:26.440 --> 00:29:29.079 Year Hundred, Yeah so in, FACT i think mine was 605 00:29:29.119 --> 00:29:31.680 actually more like one hundred and seventy something a. Year that's, 606 00:29:31.759 --> 00:29:34.119 Right but the numbers are what the numbers. Are SO 607 00:29:34.480 --> 00:29:36.839 i get one hundred and seventy thousand dollars a. Year 608 00:29:37.319 --> 00:29:40.920 then IF i fall, ill IF i can't feed, myself 609 00:29:41.000 --> 00:29:44.920 IF i need long term, care that literally doubles till 610 00:29:44.960 --> 00:29:47.200 the DAY i. Die so that would go up to 611 00:29:47.279 --> 00:29:50.720 three hundred and sixty three hundred and seventy thousand dollars 612 00:29:50.799 --> 00:29:53.240 a year of. INCOME i could go to an old folks. 613 00:29:53.279 --> 00:29:56.240 HOME i could go to a memory care facility like 614 00:29:56.279 --> 00:29:59.000 a nice. ONE i could invite people into my house 615 00:29:59.039 --> 00:30:01.200 to take care of. ME i Mean i'm dealing, with you, 616 00:30:01.240 --> 00:30:03.240 know over a quarter of a million dollars a month 617 00:30:03.480 --> 00:30:03.839 for that. 618 00:30:03.920 --> 00:30:08.319 Investment, Okay so from the time that you purchase this investment, product, 619 00:30:08.440 --> 00:30:12.160 yep until you start withdrawing what approximate one hundred and 620 00:30:12.160 --> 00:30:13.079 seventy thousand per? 621 00:30:13.160 --> 00:30:15.799 Year, yes how much time has elapsed in your particular 622 00:30:15.880 --> 00:30:19.160 seventeen years in just the CASE i Use i'm fifty. 623 00:30:19.200 --> 00:30:22.680 Three i'm SAYING i retired at. Seventy that's seventeen years and, 624 00:30:22.720 --> 00:30:24.839 then but you can sit there and grow for as 625 00:30:24.920 --> 00:30:27.680 long as you. Want it does nothing but get bigger and. 626 00:30:27.680 --> 00:30:30.079 BIGGER i could take. IT i could take it at 627 00:30:30.079 --> 00:30:33.279 eighty eight IF i, Wanted or you can take. 628 00:30:33.279 --> 00:30:34.920 IT i get THIS a hold, On. 629 00:30:35.039 --> 00:30:37.039 Wind up your, questions let, me let me take this. 630 00:30:37.079 --> 00:30:39.000 Break we'll come. Back i'm curious what you have For 631 00:30:39.119 --> 00:30:42.440 joe three zero three seven one three eight two five Five. 632 00:30:46.799 --> 00:30:50.400 Go with a sure Thing denver's best Roofer Excel roofing dot. 633 00:30:50.440 --> 00:30:56.400 Com you don't pay a cent until you're. Content time 634 00:30:56.440 --> 00:30:59.359 for an insurance check up, free no. Obligation in, comparison 635 00:30:59.480 --> 00:31:03.079 call this insurance paying too much your coverage at dozens 636 00:31:03.079 --> 00:31:05.799 of insurance companies find out now three all three seven 637 00:31:05.920 --> 00:31:08.720 seven to one. Help you'll think you're his only customer 638 00:31:08.759 --> 00:31:11.000 when you Choose frank durand the real Estate man dot 639 00:31:11.039 --> 00:31:14.319 com to list your home With remax alliance three all 640 00:31:14.400 --> 00:31:23.000 three nine two zero sixteen twenty. Two all, right three 641 00:31:23.079 --> 00:31:26.000 oh three seven one THREE a two five. Five you've 642 00:31:26.000 --> 00:31:28.079 been ripped off for taking advantage Of we'd love to 643 00:31:28.119 --> 00:31:30.960 hear from. You three zero Three, martino three oh Three. 644 00:31:31.000 --> 00:31:34.240 Martino you can always email us at help at troubleshooter dot. 645 00:31:34.240 --> 00:31:37.359 Com we'll get a deputy on. It if we've recouped 646 00:31:37.359 --> 00:31:39.119 over three hundred million. Dollars, NOW i want to go 647 00:31:39.160 --> 00:31:43.440 back To. DMITRI i was asking you to ask the hard. 648 00:31:43.559 --> 00:31:45.160 QUESTIONS uh To. 649 00:31:45.279 --> 00:31:48.759 Joe the bottom line, is in my, scenario in, FACT 650 00:31:48.799 --> 00:31:50.720 i might have underdone it the MORE i think about 651 00:31:50.759 --> 00:31:53.559 it seventeen, years BECAUSE i think when we originally did, It, 652 00:31:53.640 --> 00:31:57.319 joe mine was me retiring at sixty. Five but, regardless 653 00:31:57.640 --> 00:32:00.680 the numbers are the. NUMBERS a million dollars now you 654 00:32:00.759 --> 00:32:03.480 get the benefit of one, million one hundred and fifty 655 00:32:03.720 --> 00:32:06.359 that grows from day. One when the stock market goes, 656 00:32:06.440 --> 00:32:10.960 up you. Participate if it goes up, massively you're going 657 00:32:11.039 --> 00:32:14.599 to go up. Massively then if the stock market goes, 658 00:32:14.680 --> 00:32:18.279 down it ratchets in and you cannot ever drop. Down 659 00:32:18.559 --> 00:32:21.200 so if everything's great in the stock market for twenty, 660 00:32:21.240 --> 00:32:23.759 years you're going to do even better if things are, 661 00:32:23.799 --> 00:32:26.759 Bad you're not going to lose a freaking. Dime best 662 00:32:26.799 --> 00:32:29.680 of all, worlds, Basically so what are your questions on? It? 663 00:32:29.720 --> 00:32:33.160 Seriously, so And, JOE i know you're running an example 664 00:32:33.240 --> 00:32:36.720 for me with my age and the potential amount THAT 665 00:32:36.759 --> 00:32:37.000 i would. 666 00:32:37.039 --> 00:32:41.720 Invest but let's get back To mark's example. Here, Okay so. 667 00:32:41.759 --> 00:32:44.359 After seventeen, years he begins to get an income of 668 00:32:44.400 --> 00:32:47.400 one hundred and seventy and then my two questions regarding 669 00:32:47.400 --> 00:32:50.759 that are is that for tax, purposes is that treated 670 00:32:50.799 --> 00:32:51.400 as ordinary? 671 00:32:51.480 --> 00:32:54.640 Income it depends on where the money came From. Dmitri 672 00:32:55.160 --> 00:32:57.000 if the money came from a four oh ONE k 673 00:32:57.839 --> 00:33:00.680 that he had in the, past then when pulls out the, 674 00:33:00.720 --> 00:33:03.119 money the money would be taxed just like. 675 00:33:03.079 --> 00:33:04.519 A four to one CA's like a four oh ONE 676 00:33:04.599 --> 00:33:05.240 k or AN. 677 00:33:05.240 --> 00:33:08.880 Ira if the money came from a non qualified account 678 00:33:09.160 --> 00:33:11.559 like an investment account or a savings account or a. 679 00:33:12.319 --> 00:33:16.799 House ordinary, income ordinary income and ordinary, income there's one 680 00:33:16.839 --> 00:33:19.799 Mora i'll throw on. That if it came from a 681 00:33:19.880 --> 00:33:23.279 wrath which you've already paid taxes on the money stuck's, 682 00:33:23.319 --> 00:33:25.960 free then you when you take that money, out you 683 00:33:26.000 --> 00:33:28.440 pay zero zip. Zilt you've already been hit with the. 684 00:33:28.440 --> 00:33:32.440 Burden and then you mentioned that Should mark have to 685 00:33:32.519 --> 00:33:34.799 move into a retirement home or get some kind of 686 00:33:34.839 --> 00:33:39.000 assisted living, arrangements the payments will automatically. 687 00:33:39.000 --> 00:33:40.920 Double there are guaranteed to. 688 00:33:40.960 --> 00:33:43.599 Double what are the what are the so, yeah, exactly 689 00:33:43.599 --> 00:33:46.240 that's the exactly WHERE i was. Going what documentation Would 690 00:33:46.279 --> 00:33:49.759 mark have to provide so that that's question so that 691 00:33:49.839 --> 00:33:53.799 the payer understands or can at least be convinced That 692 00:33:53.839 --> 00:33:55.279 mark isn't just trying to double. 693 00:33:55.359 --> 00:34:00.400 Him, yeah you have to have your personal doctor that 694 00:34:00.519 --> 00:34:04.960 you have problems with two out of the six activities 695 00:34:04.960 --> 00:34:08.440 of what are the six? Like for, example bathing on your, 696 00:34:08.480 --> 00:34:13.159 own dressing on your, own walking on your, own transferring 697 00:34:13.199 --> 00:34:16.119 from one chair to the, next cooking on your. Own 698 00:34:16.679 --> 00:34:21.079 basically sound. 699 00:34:19.280 --> 00:34:21.880 Extremely easy to document. 700 00:34:21.440 --> 00:34:24.440 A couple Of so this is the definition of long term, 701 00:34:24.480 --> 00:34:27.880 care meaning you have to have someone or you have 702 00:34:27.920 --> 00:34:30.760 to have memory you, know lapses or if. 703 00:34:30.639 --> 00:34:32.920 You mentioned, already give you an example of the big 704 00:34:32.960 --> 00:34:36.039 one we. Had in, fact it was her grandmother Got 705 00:34:36.079 --> 00:34:39.639 parkinson's and literally she got to the, Point now she 706 00:34:39.800 --> 00:34:42.320 lived with one of her, kids but she got to 707 00:34:42.360 --> 00:34:44.840 the point AND i watched. It she would shake so 708 00:34:44.920 --> 00:34:48.079 bad she literally couldn't eat. Herself it was like, this 709 00:34:48.159 --> 00:34:51.360 she couldn't hold a. Utensil SO i assume with The 710 00:34:51.400 --> 00:34:54.320 parkinson's of, course that would be. One and then she 711 00:34:54.400 --> 00:34:57.360 needed help, Bathing so if she had that, product it 712 00:34:57.400 --> 00:35:00.519 would have. Doubled then instead instead of, you your Aunt, 713 00:35:00.599 --> 00:35:03.920 susanne and your uncle help who was the, son it 714 00:35:04.079 --> 00:35:07.400 was your your, uncle, Yeah. Danny so instead Of danny 715 00:35:07.480 --> 00:35:12.199 taking care of the grandmother or his mother for my, 716 00:35:12.320 --> 00:35:16.000 god how many years in that? House ten, several ten plus, 717 00:35:16.119 --> 00:35:19.880 years they could have brought in outside. People AND i 718 00:35:19.960 --> 00:35:21.960 hate to say, this BUT i, mean it is a. 719 00:35:22.000 --> 00:35:24.480 Burden no matter how you look on, it it's a. Burden 720 00:35:24.679 --> 00:35:27.079 people can, say, oh you should never say, that but 721 00:35:27.159 --> 00:35:29.119 if you've ever had to take care of a loved 722 00:35:29.119 --> 00:35:32.920 one or parents going into, uh, well you, guys get a. 723 00:35:32.960 --> 00:35:35.800 Look we've got a lot going. On any questions you 724 00:35:35.840 --> 00:35:38.880 have three zero three, seven, one three eight two five. 725 00:35:39.000 --> 00:35:41.800 Five we have open lines three oho Three, martino Help 726 00:35:41.840 --> 00:35:44.239 it troubleshooter Dot. Com we're gonna take a quick. Break 727 00:35:44.360 --> 00:35:56.760 we're going to be back right after. This go with 728 00:35:56.840 --> 00:35:57.199 a sure. 729 00:35:57.280 --> 00:36:00.920 Thing denver's Best Rufer Excel roofing Dot you don't pay 730 00:36:00.920 --> 00:36:06.760 a cent until you're. Content wave time for an insurance 731 00:36:06.840 --> 00:36:10.559 check up, free no. Obligation in, comparison Call Compass insurance 732 00:36:10.719 --> 00:36:13.760 paying too much your coverage at dozens of insurance companies 733 00:36:13.800 --> 00:36:16.039 find out now three oh three seven to seven to one. 734 00:36:16.159 --> 00:36:19.000 Help you'll think you're his only customer when you Choose 735 00:36:19.000 --> 00:36:21.519 frank durand the real estate man dot com to list 736 00:36:21.559 --> 00:36:24.599 your home With Remax alliance three oh three nine two 737 00:36:24.719 --> 00:36:26.119 zero sixteen twenty. 738 00:36:25.800 --> 00:36:40.199 Two lead advice so you don't have them run anxious 739 00:36:40.280 --> 00:36:41.039 as fast as we. 740 00:36:41.280 --> 00:36:48.039 Can shooter's gonna help coming, Man this is The Troubleshooter. 741 00:36:48.159 --> 00:36:53.480 Show No Tom, Martine, Welcome, welcome my friends to the 742 00:36:53.639 --> 00:36:55.679 only show of its. Cab we're here to solve, problems 743 00:36:55.719 --> 00:36:59.199 answer your, questions take. Complaints we are here to make 744 00:36:59.239 --> 00:37:01.840 your life a little bit. Better let's put it like. 745 00:37:01.880 --> 00:37:05.360 This you've been ripped, off maybe a bad contract or 746 00:37:05.360 --> 00:37:08.199 a bad, landlord. Anything man landscapers are going to be 747 00:37:08.239 --> 00:37:11.199 the ones coming up usually this time of year to meet. 748 00:37:11.239 --> 00:37:13.639 You you haven't been with, us Bo were you here 749 00:37:13.760 --> 00:37:16.480 last year during? SPRING i don't think. SO i don't 750 00:37:16.519 --> 00:37:18.719 REMEMBER i, Know i've been here about a, year so, 751 00:37:19.000 --> 00:37:21.079 yeah about this, time so you kind of went through. 752 00:37:21.079 --> 00:37:26.000 It the landscaper ripoffs are absolutely. Huge they. Are they're. 753 00:37:26.119 --> 00:37:30.440 Unbelievable landscapers in general never give them money up. Front 754 00:37:30.760 --> 00:37:33.039 why you simply can't have some of the work done 755 00:37:33.079 --> 00:37:36.000 and pay as you. GO i will never understand why 756 00:37:36.079 --> 00:37:38.679 landscapers don't do. That, now if they got a order 757 00:37:38.760 --> 00:37:42.440 material for like a retaining, wall something along, those, fine 758 00:37:42.800 --> 00:37:45.440 make sure the products, delivered pay for it on a credit. 759 00:37:45.480 --> 00:37:49.159 Card and worse, scenario if this landscaper flakes, out you 760 00:37:49.320 --> 00:37:52.440 got the material there that you paid. For other than, 761 00:37:52.440 --> 00:37:55.559 THAT i wouldn't do. It we have arguments with people 762 00:37:55.599 --> 00:37:58.280 literally on our referral list to take money up. Front 763 00:37:58.320 --> 00:38:01.079 it drives me, crazy but you know, what they're honest. 764 00:38:01.119 --> 00:38:02.960 PEOPLE i can at least say that they're not going 765 00:38:03.039 --> 00:38:05.639 to rip you. Off BUT i still don't understand unless 766 00:38:05.639 --> 00:38:08.559 if it's something special and, ordered or if they can't deliver. 767 00:38:08.639 --> 00:38:11.159 IT i just don't understand why you would pay. Upfront 768 00:38:11.360 --> 00:38:15.400 but it's almost in our society now become pretty much 769 00:38:16.039 --> 00:38:18.039 the way it. GOES i, mean can you guys think 770 00:38:18.079 --> 00:38:23.599 OF i guess most like PLUMBING. HVAC i don't think 771 00:38:23.639 --> 00:38:26.320 anybody charges upfront for that stuff THAT i. Know IF 772 00:38:26.360 --> 00:38:29.039 i know Plumb line fix it, all he never. Did 773 00:38:29.559 --> 00:38:32.639 we never charged upfront ever for, anything. 774 00:38:32.280 --> 00:38:35.480 Because if you're a decent, business you should have the 775 00:38:35.519 --> 00:38:39.119 financial capital to buy the materials and have them in. 776 00:38:39.199 --> 00:38:40.360 STOCK i don't. 777 00:38:40.199 --> 00:38:44.239 Know of ANY hvac companies that charge up. FRONT i. 778 00:38:44.320 --> 00:38:46.960 DON'T i can't think of any honor prospect if. 779 00:38:46.840 --> 00:38:48.840 You have to pay, upfront because if they don't have 780 00:38:48.920 --> 00:38:53.119 the money to have the, equipment then you know they're 781 00:38:53.199 --> 00:38:54.199 just working their. 782 00:38:54.239 --> 00:38:56.559 Business what you, say bo that is. 783 00:38:58.199 --> 00:39:01.440 A company or an industry does charge up front that 784 00:39:01.519 --> 00:39:05.159 you don't have a problem. WITH i would, SAY i 785 00:39:05.199 --> 00:39:06.760 don't like to pay upfront on. 786 00:39:07.000 --> 00:39:10.679 Anything now the, LANDSCAPERS i would, say anything like. 787 00:39:10.599 --> 00:39:14.719 A, reservation a custom, order, yeah a custom order for, 788 00:39:14.800 --> 00:39:17.760 sure sus. Order, well in, fact we just went through 789 00:39:17.760 --> 00:39:21.840 that With. Gravina our, door our sliding door we bought 790 00:39:22.000 --> 00:39:24.760 is not a normal door by any. Means it's a 791 00:39:24.760 --> 00:39:27.480 little off as far as the. Height it's not. Standard 792 00:39:27.679 --> 00:39:30.159 so the manufacturer had to make. It so we PAID 793 00:39:30.519 --> 00:39:33.639 i think one thousand dollars out of five. Thousand then 794 00:39:33.719 --> 00:39:36.360 we paid the other four thousand when it was delivered and. 795 00:39:36.400 --> 00:39:39.440 Installed but how about a? Reservation what do you guys 796 00:39:39.480 --> 00:39:41.880 think they're like an airline. TICKET i think you have 797 00:39:41.920 --> 00:39:46.519 to it's a airtime on a. Radio these are things 798 00:39:46.519 --> 00:39:48.800 that can never be made. UP i, mean the chances 799 00:39:48.800 --> 00:39:51.840 are reselling a seat the day before you get on 800 00:39:52.000 --> 00:39:54.000 it are not that. Good, yeah you. 801 00:39:54.000 --> 00:39:55.880 Should be able to pay up front for a reservation 802 00:39:55.960 --> 00:39:59.079 because if you back, out they can't sell that reservation 803 00:39:59.159 --> 00:39:59.719 to somebody. 804 00:39:59.719 --> 00:40:05.400 Else you, KNOW i sued a big steakhouse, here Probably dimitri. 805 00:40:05.559 --> 00:40:09.159 Used so we're kind of like brothers from another mother 806 00:40:09.239 --> 00:40:11.920 when it comes to small claims and taking people to. 807 00:40:11.960 --> 00:40:13.880 Court so tell me what you think about. This we 808 00:40:14.000 --> 00:40:19.400 had A christmas? Party how many people susan twenty thirty 809 00:40:19.880 --> 00:40:23.159 twenty twenty, People and we were all going to be 810 00:40:23.159 --> 00:40:25.599 sitting at the same table in the middle of this, 811 00:40:25.719 --> 00:40:30.480 restaurant fancy. Restaurant and we get there and we're all 812 00:40:30.519 --> 00:40:33.360 sitting there and sitting, there and four, o'clock five, o'clock six, 813 00:40:33.400 --> 00:40:36.440 o'clock they all keep going and the party that's going 814 00:40:36.440 --> 00:40:39.599 on at that, table and the introm is not. Leaving in, 815 00:40:39.599 --> 00:40:42.199 fact after us waiting an hour and a. Half they 816 00:40:42.280 --> 00:40:48.679 just started ordering, dessert which, was what's that? One baked Baked? 817 00:40:48.679 --> 00:40:52.440 Alaska Baked. Alaska so now we're talking. Showcase now we're 818 00:40:52.480 --> 00:40:55.280 talking they're going to be parading around and waiting, forever 819 00:40:55.679 --> 00:40:58.159 starting it on. Fire SO i get so. MAD i 820 00:40:58.239 --> 00:41:01.920 go over to the general manager of this place AND i, 821 00:41:02.039 --> 00:41:05.639 go we made this reservation three and a half months, 822 00:41:05.719 --> 00:41:08.480 ago and what's going? On he, goes, Oh i'm so. 823 00:41:08.519 --> 00:41:10.239 Sorry who would have ever? THOUGHT i was, like who 824 00:41:10.239 --> 00:41:12.559 would have ever thought they'd be here at A christmas 825 00:41:12.639 --> 00:41:15.360 party this? Long everybody in the world would think. That 826 00:41:15.880 --> 00:41:19.519 so you're just you're incompetent at doing your. Job AND 827 00:41:19.599 --> 00:41:23.199 i started getting into a pretty good argument with, him 828 00:41:23.239 --> 00:41:24.440 wouldn't you, Say suzanne? 829 00:41:25.239 --> 00:41:26.320 Slightly, yeah. 830 00:41:26.400 --> 00:41:31.039 Yeah So martino's, There i'm. There we've got about eighteen 831 00:41:31.079 --> 00:41:34.920 associates and employees, there and at this point he, goes, 832 00:41:34.960 --> 00:41:37.480 well we can sit some of you here and some 833 00:41:37.559 --> 00:41:39.800 of you, here and some of you. Here oh, Embarrassing 834 00:41:40.000 --> 00:41:42.239 so now we're talking we're going to be split up 835 00:41:42.840 --> 00:41:46.320 from everybody we're taking out to. Dinner and then that's 836 00:41:46.320 --> 00:41:49.719 When suzanne whispered in my ear very, nicely we should 837 00:41:49.760 --> 00:41:53.000 probably leave and that's probably when she saw this steam 838 00:41:53.639 --> 00:41:59.239 coming out of my. Head so we basically, Left and 839 00:41:59.239 --> 00:42:02.400 that was probably a very good idea because at that 840 00:42:02.559 --> 00:42:07.239 point THE gm and myself were butting heads very loudly 841 00:42:07.679 --> 00:42:09.440 in the middle of a very nice. 842 00:42:09.480 --> 00:42:12.199 Restaurant not only, that but can you imagine all the 843 00:42:12.280 --> 00:42:14.599 vogies that are gonna get hawked into your dinners if 844 00:42:14.599 --> 00:42:16.000 you did get seated in order the. 845 00:42:16.000 --> 00:42:19.079 Food, well here's what. Happened her AND i left and 846 00:42:19.280 --> 00:42:21.880 everybody else, stayed and they were. Indifferent we weren't going 847 00:42:21.920 --> 00:42:24.480 to tell everybody to go. Home that's. Crazy we invited them, 848 00:42:24.480 --> 00:42:27.239 out and you know, what they worked their asses off 849 00:42:27.239 --> 00:42:30.480 all year and they deserved a nice dinner to do, 850 00:42:30.559 --> 00:42:33.119 whatever and they were. Doing the restaurant at this point 851 00:42:33.199 --> 00:42:36.000 is the. Issue but everybody still wanted to. Eat my, 852 00:42:36.079 --> 00:42:39.440 god we were sitting there two. Hours so we leave 853 00:42:39.559 --> 00:42:41.840 because at this POINT i simply already KNEW i had 854 00:42:41.880 --> 00:42:45.920 to remove myself from the. Situation SO i tracked down the. 855 00:42:45.960 --> 00:42:48.880 Owner they had PROBABLY i don't, know ten and twelve 856 00:42:48.920 --> 00:42:51.840 of these restaurants, around maybe not that, many but over, 857 00:42:51.960 --> 00:42:56.639 five and it's a place out Of, texas AND i 858 00:42:57.119 --> 00:42:59.199 ACTUALLY i didn't get in touch with the. OWNER i 859 00:42:59.360 --> 00:43:02.320 went out and soon to them for seventy five dollars 860 00:43:03.000 --> 00:43:06.119 because basically that was the bill and that is not 861 00:43:06.159 --> 00:43:09.880 what was presented to. Me so the legal argument comes 862 00:43:09.920 --> 00:43:14.159 down to, this is a? Reservation is a reservation without 863 00:43:14.159 --> 00:43:18.239 a deposit a promise from the? Restaurant it's very. Curious 864 00:43:18.360 --> 00:43:21.400 so there's two parts binding? Contract well, no is? 865 00:43:21.440 --> 00:43:21.599 It? 866 00:43:21.719 --> 00:43:21.960 Yeah? 867 00:43:22.000 --> 00:43:24.960 Okay? Fine is it a Binding as a legal, argument you're? 868 00:43:25.039 --> 00:43:28.119 Right is it a binding? CONTRACT i could argue either. 869 00:43:28.159 --> 00:43:32.519 Way tom always argues it's not because there's no consideration, 870 00:43:32.760 --> 00:43:37.400 exactly AND i, argue the consideration is me showing up. 871 00:43:38.199 --> 00:43:41.039 Literally the consideration That. 872 00:43:46.480 --> 00:43:50.519 I'm showing up to spend money is the. Consideration, no, 873 00:43:50.920 --> 00:43:55.239 WELL i don't care what you. Say i'm arguing the 874 00:43:55.320 --> 00:43:58.079 other side to. That, okay let's say you rented a. 875 00:43:58.159 --> 00:44:01.400 Room let's say it was a. Hotel, Yeah Joe, ciano 876 00:44:01.559 --> 00:44:04.559 you rent hotel rooms a lot or what do you call, 877 00:44:04.599 --> 00:44:07.519 them ballrooms? Whatever when you put on, seminars that's. Right 878 00:44:07.559 --> 00:44:09.880 so when you rent, those you put down a deposit 879 00:44:10.639 --> 00:44:12.440 and what or yes or? NO i don't know if 880 00:44:12.440 --> 00:44:15.079 you do or. Not you, KNOW i Don't so what would. 881 00:44:15.079 --> 00:44:18.280 Happen if you showed up and fifty people that signed 882 00:44:18.360 --> 00:44:21.079 up showed up and there was no place for anybody to, 883 00:44:21.119 --> 00:44:23.880 go would you think they breached an agreement a. 884 00:44:23.960 --> 00:44:27.519 Contract well that's a good, Question, mark you, know Like 885 00:44:27.679 --> 00:44:29.239 i'm with the met in a, way you have to 886 00:44:29.239 --> 00:44:30.599 have CONSIDERED i should have put it the. 887 00:44:30.679 --> 00:44:32.920 BOSS i, mean that's what. Point but what is? 888 00:44:32.960 --> 00:44:37.119 They so you're saying consideration is only. MONETARY i can't. 889 00:44:37.119 --> 00:44:40.559 PLEDGE i can't pledge a promise to come and spend. Money, 890 00:44:40.639 --> 00:44:43.320 no it's like a metallic of pledges to show up 891 00:44:43.559 --> 00:44:47.119 and actually play at a. Venue so it's not just paying. 892 00:44:47.119 --> 00:44:49.639 Money could be anything of, Value so you can, say, 893 00:44:49.639 --> 00:44:51.920 Look i'll come over sweep sweep your parking. 894 00:44:51.960 --> 00:44:55.039 Lot so you're saying there is no value in someone 895 00:44:55.119 --> 00:44:58.559 showing up spend, money that's. CORRECT i. DISAGREE i so. 896 00:44:58.760 --> 00:45:00.519 Disagree i'm going to look it up to the show. 897 00:45:00.639 --> 00:45:03.840 Here well we, have and there's there's arguments either. Way 898 00:45:03.880 --> 00:45:06.800 there's really no precedent. Though that's the. Issue, Hey, mark 899 00:45:06.840 --> 00:45:09.119 we'll see what you can. Find go, Ahead, KELLY i have. 900 00:45:09.159 --> 00:45:10.039 A question for. 901 00:45:10.079 --> 00:45:10.280 You. 902 00:45:10.360 --> 00:45:16.760 Sure so when my kids went through, Orthodonics, yeah we 903 00:45:16.840 --> 00:45:20.000 got charged if we had to cancel an, appointment. 904 00:45:19.719 --> 00:45:24.480 Sure and you know our our dentis literally does that right, 905 00:45:24.519 --> 00:45:28.559 now even for a routine. Cleaning if you cancel within 906 00:45:28.639 --> 00:45:30.760 twenty four, hours they charge you. Whatever. 907 00:45:31.039 --> 00:45:34.639 Yep and so in one situations. 908 00:45:33.880 --> 00:45:36.639 That work, There, dmitri that's a hell of a good. 909 00:45:36.719 --> 00:45:38.639 Question, WELL i have a hell of a good answer for. 910 00:45:38.719 --> 00:45:41.920 It so there is none of these health services that 911 00:45:42.000 --> 00:45:44.920 you are about to receive that didn't include you signing certain. 912 00:45:44.960 --> 00:45:47.440 PAPERWORK i don't THINK i. Did and well that's that 913 00:45:47.440 --> 00:45:51.440 would be pretty. UNUSUAL i, mean my dentist Isn't, elizabeth 914 00:45:51.519 --> 00:45:54.159 so we do things a little different out, there out 915 00:45:54.159 --> 00:45:58.480 of the real. World the, Paperwork, OKAY i. DON'T i don't, remember, Seriously, 916 00:45:58.559 --> 00:46:01.519 dmitri signing paperwork with my, dentist. 917 00:46:01.400 --> 00:46:05.079 Except for filling out the normal forms your health self. 918 00:46:05.320 --> 00:46:06.960 Health blood. PRESSURE i. 919 00:46:07.000 --> 00:46:09.440 Did, yeah you go to the same, dentis you sign 920 00:46:09.519 --> 00:46:11.519 and if you, cancel you agree to AN x. 921 00:46:11.559 --> 00:46:14.760 Amount you, say if we really sign, that ABSOLUTELY i remember. 922 00:46:14.800 --> 00:46:15.079 IT i. 923 00:46:15.119 --> 00:46:16.159 Don't you're very. 924 00:46:16.199 --> 00:46:19.000 Clear let's get all these deathists on the phone kill hold. 925 00:46:19.039 --> 00:46:21.880 On so let me continue down this. Road, though whether 926 00:46:21.960 --> 00:46:24.480 or not it's a contract is. Won SO i assume 927 00:46:24.519 --> 00:46:27.719 them small, claims breach of, contracts seventy five hundred. Dollars, 928 00:46:28.360 --> 00:46:32.360 OKAY i serve, them and they had basically an, office you, 929 00:46:32.400 --> 00:46:36.079 know they paid a company to accept. Service about two days, 930 00:46:36.159 --> 00:46:38.320 Later i'm sitting at home and it was on A saturday, 931 00:46:38.400 --> 00:46:40.079 night AND i get a call because it's all my, 932 00:46:40.199 --> 00:46:43.880 contact and it's the. Owner his last name Is, perry so, 933 00:46:47.360 --> 00:46:50.159 yeah that's the. One so basically he, goes, hey this 934 00:46:50.239 --> 00:46:53.079 is so and, so AND i, said, YEAH i, said 935 00:46:53.119 --> 00:46:56.119 you guys really screwed us on this. Deal so you 936 00:46:56.159 --> 00:46:57.920 know what he. Did he, goes, listen here's What i'd 937 00:46:57.960 --> 00:47:00.400 like to. Do let's settle this right. Now i'm going 938 00:47:00.480 --> 00:47:02.559 to give YOU x amount of gift. Cards you can 939 00:47:02.639 --> 00:47:04.840 use it to restaurant all at, once And i'll make 940 00:47:04.880 --> 00:47:08.119 sure whatever size party you have is, fine or you 941 00:47:08.159 --> 00:47:11.199 can use them for the next five. Years you just going. 942 00:47:11.239 --> 00:47:12.880 In whatever you want to, do you can do. 943 00:47:12.960 --> 00:47:15.400 That that explains The christmas GIFT i got from you 944 00:47:15.559 --> 00:47:20.000 from From Perry's. Steakhouse believe, Me i'm extremely grateful for, 945 00:47:20.039 --> 00:47:22.199 it but it means a lot more now THAT i 946 00:47:22.239 --> 00:47:23.360 know the backstory that. 947 00:47:23.519 --> 00:47:26.360 Was that was that was five years, Ago So tom 948 00:47:26.360 --> 00:47:28.920 AND i split them and we each had about five 949 00:47:29.000 --> 00:47:32.280 thousand dollars in gift cards to use. It perry's over 950 00:47:32.480 --> 00:47:37.519 x amount of, time you, know a shout out to 951 00:47:37.599 --> 00:47:41.599 handle A here's what he. Said here's exactly what he told. 952 00:47:41.639 --> 00:47:43.800 Me he, goes we have a, playbook AND i, said 953 00:47:43.840 --> 00:47:45.760 what does that? Mean he, goes OUR gm has a. 954 00:47:45.760 --> 00:47:49.199 Playbook every one of my restaurants has a. Playbook what 955 00:47:49.360 --> 00:47:52.119 should have been? Done and it's literally in our. Playbook 956 00:47:52.559 --> 00:47:54.840 he should have went around to some of these other 957 00:47:54.920 --> 00:47:58.079 tables where they could have moved people and put you all, 958 00:47:58.119 --> 00:48:03.039 together and he would entice them with free, appetizers free, 959 00:48:03.079 --> 00:48:07.000 dessert even a free hundred dollars bottle of. Wine whatever 960 00:48:07.039 --> 00:48:10.280 we needed to do to create space for you guys 961 00:48:10.320 --> 00:48:13.000 should have been. Done And i'm telling you right, now 962 00:48:13.079 --> 00:48:15.639 none of that was done Because i've already talked to 963 00:48:15.719 --> 00:48:18.000 him and he decided not to go by the. 964 00:48:18.039 --> 00:48:20.760 Playbook, yeah that sounds like an employee made a terrible, 965 00:48:20.800 --> 00:48:23.920 mistake but the company has a very classy process in 966 00:48:23.960 --> 00:48:26.440 place that should have been put into. Effect and then 967 00:48:26.480 --> 00:48:29.679 the way the owner Of perry's handled this, beautiful. 968 00:48:29.440 --> 00:48:32.880 Hugely Crack Chris perry cares about his. Business he did 969 00:48:33.320 --> 00:48:36.519 an unbelievable, job coming through like a total ten out 970 00:48:36.519 --> 00:48:38.760 of ten mark a absolute out of. Ten all, right 971 00:48:38.760 --> 00:48:41.119 three ozho three seven one three eight two five. Five 972 00:48:41.119 --> 00:48:45.119 everybody hold. Tight anybody can just take a. 973 00:48:47.159 --> 00:48:50.760 Go with a sure Thing denver's best Roofer Excel roofing dot. 974 00:48:50.800 --> 00:48:51.639 Com you don't. 975 00:48:51.440 --> 00:48:57.480 Pay a cent until you're. Content time for an insurance 976 00:48:57.559 --> 00:49:01.280 check up, free no. Obligation in comparison All compass insurance 977 00:49:01.440 --> 00:49:04.440 paying too much your coverage at dozens of insurance companies 978 00:49:04.519 --> 00:49:06.559 find out now three all three seven to seven to. 979 00:49:06.599 --> 00:49:06.760 One. 980 00:49:06.880 --> 00:49:09.719 Help you'll think you're his only customer when you Choose 981 00:49:09.719 --> 00:49:12.239 frank durand the real Estate man dot com to list 982 00:49:12.280 --> 00:49:15.320 your home With Remax alliance three all three nine two 983 00:49:15.400 --> 00:49:16.480 zero sixteen twenty. 984 00:49:16.519 --> 00:49:21.239 Two all, right three oh three seven one three eight 985 00:49:21.360 --> 00:49:23.840 two five. Five we've got some lines. OPEN i was 986 00:49:23.880 --> 00:49:28.360 going down memory laying, there but, okay so real. Quick 987 00:49:28.440 --> 00:49:31.679 you saw how that finished. Up, Uh Perry steakhouse came 988 00:49:31.679 --> 00:49:35.039 through big. Time and, no those weren't your gift cards. 989 00:49:35.119 --> 00:49:38.199 People that was that was what year was At, suzanna 990 00:49:38.239 --> 00:49:42.000 like twenty. Nineteen it was PRE covid, yeah. Right so 991 00:49:42.119 --> 00:49:44.960 basically we went Through tom AND i and us went 992 00:49:45.000 --> 00:49:47.440 through those gift cards and PROBABLY i don't, know a 993 00:49:47.519 --> 00:49:50.199 year or. Two so the ones that you got are 994 00:49:50.199 --> 00:49:52.960 because we love that restaurant so. Much literally we bought. 995 00:49:52.960 --> 00:49:55.800 Those we don't trade out with any restaurants or anything like. 996 00:49:55.840 --> 00:49:57.239 That look at how this paid off for. 997 00:49:57.280 --> 00:49:59.840 Them they gained they took this disaster and they gained 998 00:50:00.000 --> 00:50:01.119 a whole bunch of lifetime. 999 00:50:01.159 --> 00:50:04.079 Customers oh my. God not only, that they've. Gained everybody 1000 00:50:04.079 --> 00:50:06.280 that we send down there when we give out gift 1001 00:50:06.320 --> 00:50:09.360 cards usually ends up going. BACK i THINK i sent you. 1002 00:50:09.440 --> 00:50:12.639 Down i'm not SAYING i gave you a gift. CARD 1003 00:50:12.679 --> 00:50:14.199 i THINK i told you a toddy about that. 1004 00:50:14.280 --> 00:50:15.000 Place we love. 1005 00:50:15.039 --> 00:50:17.519 It it's absolutely, great and my wife AND i go 1006 00:50:17.599 --> 00:50:19.440 there probably twice a. 1007 00:50:19.480 --> 00:50:20.159 MONTH i love. 1008 00:50:20.199 --> 00:50:22.920 It that's by the, Way Joe keano My, Money myway Dot. 1009 00:50:22.960 --> 00:50:25.159 Com any questions you have on the, retirement please give 1010 00:50:25.239 --> 00:50:27.840 us a. Call, Hey, jeff what's going on with auto? Insurance? 1011 00:50:29.880 --> 00:50:30.320 Mark are? 1012 00:50:30.360 --> 00:50:31.400 You i'm good? Man how are? 1013 00:50:31.440 --> 00:50:31.480 You? 1014 00:50:31.559 --> 00:50:31.840 Jeff? 1015 00:50:32.599 --> 00:50:36.920 Good? Back In, JANUARY i was involved in an accident 1016 00:50:37.880 --> 00:50:41.559 WHERE i was side swiped on a snowy ROAD a 1017 00:50:41.920 --> 00:50:45.519 long story, short it was the other guy's. Fault he 1018 00:50:45.679 --> 00:50:49.719 was sided with careless. OPERATION i had about forty three 1019 00:50:50.079 --> 00:50:54.039 damage dollars worth of damage to my. Truck and his, 1020 00:50:54.199 --> 00:50:57.239 insurance of, course is a good old shread. Lawyer oh. God, 1021 00:50:59.199 --> 00:51:02.679 UH i went got my instimates and, stuff and his 1022 00:51:02.760 --> 00:51:09.400 insurance has basically ghosted me since day. One it's, been you, 1023 00:51:09.440 --> 00:51:11.239 know going on what four or five months? 1024 00:51:11.280 --> 00:51:13.840 Now, yeah do you have do you have full coverage 1025 00:51:13.880 --> 00:51:16.039 or do you have a comp and collision on? Yours? 1026 00:51:16.920 --> 00:51:17.400 NO i do? 1027 00:51:17.519 --> 00:51:19.960 Not you do? Not that SUCKS i HAVE. 1028 00:51:20.320 --> 00:51:21.119 I have uninsured. 1029 00:51:21.159 --> 00:51:24.519 Motorists but That, yeah that's smart. Though, hey that's really. 1030 00:51:24.559 --> 00:51:27.039 Smart in, fact most people that don't have comp and 1031 00:51:27.119 --> 00:51:31.199 collision don't have. That that's extremely. Smart. Jeff let me 1032 00:51:31.280 --> 00:51:35.480 ask you this. Though they're when you say they're not contacting, 1033 00:51:35.519 --> 00:51:38.599 you are they saying that their driver or their client 1034 00:51:38.760 --> 00:51:42.960 is not contacting them or they just totally uh got 1035 00:51:43.079 --> 00:51:43.320 rid of. 1036 00:51:43.360 --> 00:51:47.679 It they they gave me a claim. Number they called 1037 00:51:48.639 --> 00:51:50.800 probably a week and a half after the, accident gave 1038 00:51:50.800 --> 00:51:54.559 me a claim. NUMBER uh left me some. VOICEMAILS i 1039 00:51:54.639 --> 00:51:57.400 called them back and it takes two three. Days we 1040 00:51:57.519 --> 00:51:58.960 played phone tag for almost a. 1041 00:51:59.039 --> 00:52:01.760 Month how much is it? Really you said forty five 1042 00:52:01.840 --> 00:52:04.719 hundred dollars in. Estimates here's the problem with. THAT a 1043 00:52:04.719 --> 00:52:08.159 lot of times when people start digging, in there's other, 1044 00:52:08.400 --> 00:52:12.719 issues so that forty five could easily be ten. THOUSAND i, 1045 00:52:12.719 --> 00:52:15.920 mean are you pretty confident it's only forty five, Hundred, 1046 00:52:16.760 --> 00:52:20.559 yeah all, right THEN i would simply sue that individual 1047 00:52:20.760 --> 00:52:24.440 in small claims court for seventy five hundred. Dollars that 1048 00:52:24.519 --> 00:52:27.239 will get him to reach out to the insurance company 1049 00:52:27.760 --> 00:52:28.920 very quickly. 1050 00:52:29.000 --> 00:52:32.599 And mark curtently If i'm, Wrong but they'll take this extremely. Seriously, 1051 00:52:32.880 --> 00:52:35.760 oh the insurance company will actually come back to life 1052 00:52:35.760 --> 00:52:38.360 instantly in a. Moment this guy served with a. 1053 00:52:38.400 --> 00:52:41.719 Lawsuit the only time an insurance company and this happens 1054 00:52:41.719 --> 00:52:43.800 With Fred, Loyer, Well Fred loya just sucks in my. 1055 00:52:43.840 --> 00:52:48.400 Opinion but all insurance, companies if they're not hearing from their, 1056 00:52:48.480 --> 00:52:51.960 insured that creates a whole different. Issue it's not like 1057 00:52:52.039 --> 00:52:54.840 they're just going to pay you based upon you calling 1058 00:52:55.000 --> 00:52:58.119 up saying this guy hits. You so when people do not, 1059 00:52:58.239 --> 00:53:01.840 communicate they reach out to their, client their client doesn't call, 1060 00:53:01.960 --> 00:53:05.039 back that's like a valid reason for them not to do. 1061 00:53:05.119 --> 00:53:07.840 It but when you serve, them and it's only going 1062 00:53:07.880 --> 00:53:10.719 to cost you a fifty five bucks you serve. Them 1063 00:53:10.920 --> 00:53:12.840 the first thing he's going to do is call Up 1064 00:53:13.480 --> 00:53:15.480 Fred lawyer and, Say, hey what t hell's going? On 1065 00:53:15.599 --> 00:53:18.280 i'm now getting personally sued for. This then they're going 1066 00:53:18.360 --> 00:53:20.920 to reach out to you and basically make it. Right, 1067 00:53:22.000 --> 00:53:22.840 mark here's my. 1068 00:53:22.920 --> 00:53:26.320 Dilemma the guy that hits me doesn't own the. Car 1069 00:53:26.760 --> 00:53:30.039 he borrowed it from a. Friend, yeah this is a 1070 00:53:30.119 --> 00:53:32.960 case where you've got four or Five hispanics living in 1071 00:53:33.000 --> 00:53:34.400 a house In, denver. 1072 00:53:34.199 --> 00:53:38.400 But there is. Insurance who owns? It you know where 1073 00:53:38.440 --> 00:53:43.000 the owner of the vehicle. Is, yeah that's who you 1074 00:53:43.079 --> 00:53:43.360 want to. 1075 00:53:43.440 --> 00:53:45.920 Serve, Wait, mark don't you want to sue both of these? 1076 00:53:45.920 --> 00:53:48.599 Guys BUT i would serve the owner of the vehicle 1077 00:53:48.639 --> 00:53:51.039 because they're going to call Up Fred. Loyer that's going 1078 00:53:51.119 --> 00:53:53.199 to be where that. Call if you sue the driver 1079 00:53:53.320 --> 00:53:56.440 who doesn't have, insurance oh there's. 1080 00:53:56.119 --> 00:53:57.960 Nothing that's going to right, okay because he doesn't have 1081 00:53:57.960 --> 00:54:00.679 a relationship with the insurance. Company but doing both the 1082 00:54:00.760 --> 00:54:03.480 driver and the, owner with the owner being the most important, 1083 00:54:03.519 --> 00:54:07.280 part that just drags more potential people to pay the. 1084 00:54:07.400 --> 00:54:10.599 Bills you could, definitely there's no doubt you could definitely do. 1085 00:54:10.679 --> 00:54:12.440 That in, fact you could do it for the same 1086 00:54:12.599 --> 00:54:15.599 amount fifty five bucks and have both plaintons on. There 1087 00:54:15.840 --> 00:54:17.760 but that means you're gonna have to serve them both 1088 00:54:18.320 --> 00:54:21.079 or break it up and spend Double oh, yeah but. 1089 00:54:21.079 --> 00:54:27.000 Service not these guys from just ignoring everything and they 1090 00:54:27.039 --> 00:54:27.519 don't Speak. 1091 00:54:27.559 --> 00:54:30.320 English, yeah but the, lawsuit the lawsuit will do. That, 1092 00:54:30.400 --> 00:54:33.800 listen especially what's going on right. Now some guy walks 1093 00:54:33.880 --> 00:54:36.199 up and serves, you and you're, HERE i don't know 1094 00:54:36.199 --> 00:54:38.239 if the guy's here illegally or, not and he serves 1095 00:54:38.239 --> 00:54:40.840 you with court. PAPERWORK i have a feeling you're gonna 1096 00:54:40.880 --> 00:54:44.079 start looking, around going Is ice? Here what's gonna? HAPPEN 1097 00:54:44.320 --> 00:54:46.559 i think you're gonna light a fire under their. 1098 00:54:46.599 --> 00:54:50.199 ASS i think they're gonna jump ship and. 1099 00:54:50.400 --> 00:54:53.719 Disappear, well it doesn't. Matter they're not doing anything, Now. 1100 00:54:53.840 --> 00:54:56.679 Jeff so then mark an interesting. QUESTION i want to 1101 00:54:56.679 --> 00:55:00.159 say this wholed. On it has really no relevance if 1102 00:55:00.159 --> 00:55:02.880 they're here legal or not, illegal or where they come 1103 00:55:02.920 --> 00:55:06.239 from or where they're. Going they bought. Insurance the reason 1104 00:55:06.320 --> 00:55:09.199 people pay for insurance is one you're supposed to do 1105 00:55:09.239 --> 00:55:11.239 it so they're at least doing the right thing, there 1106 00:55:11.480 --> 00:55:13.599 but they buy it in a case like, this so 1107 00:55:13.639 --> 00:55:15.679 they don't have to come out of pocket For god's, 1108 00:55:15.679 --> 00:55:18.840 sake well reasoning what they have not to do it 1109 00:55:18.840 --> 00:55:21.079 as long as you put the fire under. THEM i 1110 00:55:21.119 --> 00:55:24.159 have a feeling It's Fred laya playing games with, you 1111 00:55:24.599 --> 00:55:30.159 not these. Guys, Absolutely, Mark, yes But, Jeff, jeff that's 1112 00:55:30.199 --> 00:55:32.840 my whole. Point if you serve, them they're going to 1113 00:55:32.880 --> 00:55:35.440 get on the side of you to go To Fred. 1114 00:55:35.519 --> 00:55:38.400 Layer and here's. Why, Now Fred loya probably thinks these 1115 00:55:38.440 --> 00:55:40.679 guys are never going to sue, them but they actually 1116 00:55:40.719 --> 00:55:43.800 have a contract With Fred. Layer you could actually if 1117 00:55:43.840 --> 00:55:47.239 they If Fred laya does nothing and you go through 1118 00:55:47.280 --> 00:55:50.599 with your, lawsuit they have a claim Against Fred. Layer that's. 1119 00:55:50.639 --> 00:55:54.280 INCREDIBLE i don't think they have any money either. 1120 00:55:54.320 --> 00:55:56.920 Way, joe go, Ahead, yeah you, Know, MARK i THINK 1121 00:55:57.239 --> 00:55:59.639 i think he can go to the state insurance department 1122 00:56:00.119 --> 00:56:03.159 and file a. Complaint, yeah and you know what the 1123 00:56:03.159 --> 00:56:04.119 insurance companies. 1124 00:56:04.199 --> 00:56:05.480 Fear what did they, Say. 1125 00:56:05.360 --> 00:56:10.039 Jeff THAT i filed the complaint With. Dora, yes they 1126 00:56:10.079 --> 00:56:13.760 Contacted Fred. Layer Fred layer sent me a letter saying 1127 00:56:13.840 --> 00:56:17.239 or denying the. Claim, first the most stupid. Reason well, 1128 00:56:17.280 --> 00:56:17.840 no wait. 1129 00:56:17.679 --> 00:56:20.679 A, second, chef my, god and my, god you could 1130 00:56:20.679 --> 00:56:22.480 have you could have led with. That hold, on, Now 1131 00:56:22.480 --> 00:56:23.639 i'm dying to hear why. 1132 00:56:23.480 --> 00:56:26.039 It was he got to the need of the, Problem. 1133 00:56:26.880 --> 00:56:29.199 Jeff hold, On i'm dying to know why they declined. 1134 00:56:29.239 --> 00:56:32.400 It but that wasn't the entire premise three oh Three, 1135 00:56:32.480 --> 00:56:33.519 martino hold. 1136 00:56:33.320 --> 00:56:33.480 On. 1137 00:56:38.519 --> 00:56:42.119 Go with a sure Thing denver's best Roofer Excel roofing dot. 1138 00:56:42.159 --> 00:56:48.119 Com you don't pay a cent until you're. Content time 1139 00:56:48.159 --> 00:56:51.079 for an insurance check up, free no. Obligation in, comparison 1140 00:56:51.199 --> 00:56:54.760 Call Compass insurance paying too much your coverage at dozens 1141 00:56:54.800 --> 00:56:57.519 of insurance companies find out now three o three seven 1142 00:56:57.639 --> 00:57:00.440 seven to one. Help you'll think you're his only customer 1143 00:57:00.480 --> 00:57:02.719 when you Choose frank durand the real Estate man dot 1144 00:57:02.760 --> 00:57:06.039 com to list your home With Remax alliance three all 1145 00:57:06.119 --> 00:57:11.880 three nine two zero sixteen twenty. Two try three oh 1146 00:57:11.920 --> 00:57:14.440 three seven one three eight two five. 1147 00:57:14.559 --> 00:57:16.639 Five i'm dying to go back To jeff. HERE i 1148 00:57:16.679 --> 00:57:19.280 do want to tell you this. Though this hour my 1149 00:57:19.400 --> 00:57:22.519 friend's brought to you By Compass. Insurance in, FACT i 1150 00:57:22.559 --> 00:57:25.239 Wish jeff Called compass up because he wouldn't be dealing 1151 00:57:25.280 --> 00:57:29.679 With Fred. Loyer compass will actually go out and get 1152 00:57:29.719 --> 00:57:33.880 bids from about thirty different, companies whether it's car insurance 1153 00:57:33.960 --> 00:57:37.400 or homeowners or an umbrella policy or even a business. 1154 00:57:37.440 --> 00:57:40.039 Policy they're going to go to every company and find 1155 00:57:40.119 --> 00:57:43.159 the best rate in the best coverage for you and your. 1156 00:57:43.199 --> 00:57:46.519 Family they do it For susanne AND i every single. 1157 00:57:46.599 --> 00:57:49.599 Year sometimes we'll have the same company for two or three, 1158 00:57:49.639 --> 00:57:51.679 years then all of a sudden we've got a better 1159 00:57:51.719 --> 00:57:55.440 deal through another, company or situations. Change you get young, 1160 00:57:55.559 --> 00:57:59.320 drivers young, drivers sixteen year, olds you're going to see what. 1161 00:57:59.440 --> 00:58:03.000 Happens compass shop around for. You they're great. People check them. 1162 00:58:03.000 --> 00:58:08.800 Out Compass insurance dot. Com Now. Jeff jeff called up and, said, 1163 00:58:08.840 --> 00:58:11.719 Hey i've got an. Issue Fred loya will not contact. 1164 00:58:11.840 --> 00:58:15.320 ME i got into an accident Last. January some guy 1165 00:58:15.400 --> 00:58:18.719 came and sideswiped, me AND i got like a claim 1166 00:58:18.800 --> 00:58:21.159 number from Fred loya at to the, beginning but then 1167 00:58:21.199 --> 00:58:24.320 they kind of went. Dark they wouldn't reach. OUT i Contacted. 1168 00:58:24.400 --> 00:58:27.679 Dora dora reached out and that was a great thing to, Say, 1169 00:58:27.760 --> 00:58:30.719 Joe and That's Joseph, caano because you're. Right if you 1170 00:58:30.840 --> 00:58:34.360 sell insurance in this state and you have a problem 1171 00:58:34.440 --> 00:58:37.599 and you Call, dora they will light a fire under 1172 00:58:37.679 --> 00:58:42.440 that company's. Ass extremely. Absolutely they don't play games at, 1173 00:58:42.480 --> 00:58:45.320 all so thank god for. Them so but here's the bottom. 1174 00:58:45.400 --> 00:58:48.079 Line so then all of a sudden you get a 1175 00:58:48.320 --> 00:58:52.039 letter From Fred loya, saying, hey we denied the. Claim 1176 00:58:52.079 --> 00:58:54.400 now please tell us all why did they deny? It 1177 00:58:54.599 --> 00:58:57.079 are they saying it was fifty to fifty half your? 1178 00:58:57.199 --> 00:59:03.360 Fault, no they're they're saying that the driver claimed that 1179 00:59:03.440 --> 00:59:04.800 he was in the right AND i was in the, 1180 00:59:04.840 --> 00:59:08.719 wrong which is completely. False but there were two reasons 1181 00:59:08.719 --> 00:59:11.639 they denied. It the first one is there was no 1182 00:59:11.679 --> 00:59:12.360 policeman on. 1183 00:59:12.440 --> 00:59:14.840 Site, WELL i thought you said someone got a. Ticket, 1184 00:59:15.639 --> 00:59:18.360 yeah so how the hell they get a? 1185 00:59:18.360 --> 00:59:23.280 TICKET i CONTACTED Csp they hammeled everything over the. Phone 1186 00:59:24.119 --> 00:59:25.840 they said it would take more than two hours to 1187 00:59:25.840 --> 00:59:28.880 get my. Allocation uh so they preferred to do over the. 1188 00:59:28.920 --> 00:59:33.280 Phone SO i sent my. Information no. 1189 00:59:36.800 --> 00:59:38.960 Where were? You i'm dying to. Know, now where were? 1190 00:59:39.000 --> 00:59:42.840 You up in the foothills in the Unincorporated Larmer, County. 1191 00:59:42.960 --> 00:59:46.199 Okay so, basically but you said he got a, citation 1192 00:59:46.440 --> 00:59:48.599 did they literally give him a? Ticket after the. 1193 00:59:48.639 --> 00:59:52.280 Fact yeah that the police report shows that he was 1194 00:59:52.320 --> 00:59:53.880 cited for careless. 1195 00:59:53.920 --> 00:59:59.199 Operation, okay and explain the accident to. US i want to. 1196 00:59:59.239 --> 01:00:01.280 KNOW i know you said side, swipe but kind of 1197 01:00:01.280 --> 01:00:02.000 give us paint a. 1198 01:00:02.039 --> 01:00:05.280 PICTURE i was up in the foothills in a residential. 1199 01:00:05.320 --> 01:00:08.960 Area we'd just gotten about eating to the snow. OVERNIGHT 1200 01:00:09.639 --> 01:00:13.760 i was on my way back from my daughter's house 1201 01:00:14.159 --> 01:00:16.840 AND i was only like one hundred yards from my, 1202 01:00:16.960 --> 01:00:19.440 driveway AND i came over the rides a little, bit 1203 01:00:20.280 --> 01:00:23.199 and as soon AS i cleared the, rise this guy 1204 01:00:23.320 --> 01:00:26.119 was coming at me head. ON i swerved off the, 1205 01:00:26.239 --> 01:00:30.079 road through the ditch and up against a neighbor's, fence 1206 01:00:30.800 --> 01:00:33.559 and then he hit me in the rear driver quarter 1207 01:00:35.159 --> 01:00:36.840 ripped the front end of his car all to. 1208 01:00:36.880 --> 01:00:39.159 Piece here's WHAT i. Do, Listen, JEFF i get, it 1209 01:00:39.199 --> 01:00:41.679 AND i think it probably was his, fault at least 1210 01:00:41.679 --> 01:00:44.480 based on your. Description WHAT i would do is go 1211 01:00:44.599 --> 01:00:46.719 right back to WHAT i was. SAYING i would literally 1212 01:00:46.800 --> 01:00:49.719 sue the owner of that, Car and As dmitri, Said 1213 01:00:49.760 --> 01:00:52.400 i'd go ahead and throw on the, driver ALTHOUGH i 1214 01:00:52.480 --> 01:00:55.159 might do him. Separately So i'm not sitting around waiting 1215 01:00:55.199 --> 01:00:58.360 to serve two different people listener in the same, household 1216 01:00:58.599 --> 01:01:01.559 And i'd go serve. Them you're going to have your 1217 01:01:01.880 --> 01:01:04.440 argument in front of a, magistrate or in front of a, 1218 01:01:04.519 --> 01:01:07.199 judge or in front of a. Mediator Fred loyer is 1219 01:01:07.239 --> 01:01:09.280 going to have to step up to the plate and 1220 01:01:09.400 --> 01:01:12.119 hire some kind of counsel in order to defend their. 1221 01:01:12.119 --> 01:01:14.239 Client they're going to have to do. It but you're 1222 01:01:14.280 --> 01:01:17.039 gonna have to get in front of a judge and 1223 01:01:17.199 --> 01:01:20.440 prove to someone that you think it was their, Fault Mark. 1224 01:01:20.599 --> 01:01:23.480 Jeff jeff said that there were two reasons he denied. 1225 01:01:23.519 --> 01:01:26.760 It so what was the second, Reason, joe good, catch thank. 1226 01:01:26.800 --> 01:01:32.199 You, well the first ONE i said was they claimed 1227 01:01:32.199 --> 01:01:34.719 the police didn't show. Up second one said there was 1228 01:01:34.719 --> 01:01:37.360 too much evitentence against their. Driver they thought it was. 1229 01:01:37.440 --> 01:01:39.239 Rigged what does that? 1230 01:01:39.280 --> 01:01:39.800 Mean too much? 1231 01:01:39.840 --> 01:01:45.079 Evidence like, What, Well i'm guessing that the driver the 1232 01:01:45.119 --> 01:01:46.440 other vehicle didn't fill out a police. 1233 01:01:46.480 --> 01:01:51.239 Report, yeah, Guess, kelly Get. Brian see If Brian burns 1234 01:01:51.239 --> 01:01:51.559 can come. 1235 01:01:51.599 --> 01:01:54.480 ON i have pictures and video of the whole. 1236 01:01:54.480 --> 01:01:59.320 Thing so you've got so much evidence it's. Crazy you 1237 01:01:59.360 --> 01:02:04.400 can go into a court room and present the. Evidence oh, well, Then, 1238 01:02:04.480 --> 01:02:07.880 jeff Why i'm not saying you are, Hesitant but why 1239 01:02:07.880 --> 01:02:10.960 do you seem to be hesitant about just suing? Them 1240 01:02:11.159 --> 01:02:13.400 apparently you listen to this show all the. Time why 1241 01:02:13.440 --> 01:02:16.000 wouldn't you just go to small claims court because it's 1242 01:02:16.079 --> 01:02:19.159 under the seventy five hundred dollars threshold and take this 1243 01:02:19.199 --> 01:02:20.400 guy to, task. 1244 01:02:22.039 --> 01:02:24.800 Primarily BECAUSE i don't think the guy's got the money to. 1245 01:02:24.840 --> 01:02:27.679 Pay either, way it doesn't. Matter the insurance company is 1246 01:02:27.719 --> 01:02:30.400 gonna have to do one of two. Things one give 1247 01:02:30.440 --> 01:02:33.039 you the forty five hundred bucks or whatever the estimate's. 1248 01:02:33.079 --> 01:02:37.039 For or two figure out outside, council show up the 1249 01:02:37.079 --> 01:02:40.800 court and risk losing. THERE i think they're gonna cut 1250 01:02:40.840 --> 01:02:43.159 him a. Check if you have all this video evidence 1251 01:02:43.400 --> 01:02:45.239 that you've shared with, them what are they gonna? Do 1252 01:02:45.280 --> 01:02:47.559 show up to the judge and, go, well your, honor 1253 01:02:47.760 --> 01:02:50.960 it's evident with all this, evidence the whole thing's. CONCOCTED 1254 01:02:51.239 --> 01:02:53.320 i mean, that that's the craziest THING i ever. 1255 01:02:53.400 --> 01:03:00.480 Heard, yeah, well here's what they're telling. Me they preferred 1256 01:03:00.559 --> 01:03:04.719 me to their claims, manager AND i contacted him and, 1257 01:03:04.800 --> 01:03:05.599 Said i've got all this. 1258 01:03:05.679 --> 01:03:08.960 Evidence, look, Man, JEFF i swear To, god you have no. 1259 01:03:09.119 --> 01:03:11.400 Duty i'm putting you on. HOLD i feel Like i'm 1260 01:03:11.400 --> 01:03:14.480 talking in tongues now and only like eight people understand 1261 01:03:14.480 --> 01:03:18.239 What i'm. Saying you have no you have no reason 1262 01:03:18.280 --> 01:03:20.960 to deal With Fred loyer. Anymore they don't know you the, 1263 01:03:21.000 --> 01:03:23.880 money you don't have a contract with. Them you need 1264 01:03:23.920 --> 01:03:26.719 to go after these other. PEOPLE i would go after 1265 01:03:26.760 --> 01:03:30.760 the owner of the. Car, first he allowed someone to drive, 1266 01:03:30.800 --> 01:03:33.159 it and unless he's going to all of a sudden 1267 01:03:33.239 --> 01:03:35.239 say it's, stolen BUT i think you have already heard 1268 01:03:35.239 --> 01:03:37.679 that by. Now so he agreed to let someone use. 1269 01:03:37.719 --> 01:03:40.159 It they have coverage on that. Car that person he 1270 01:03:40.280 --> 01:03:43.360 allowed to use his vehicle ran into. You you have 1271 01:03:43.480 --> 01:03:47.239 evidence coming out To, Kazoo my, god get into. Court 1272 01:03:47.360 --> 01:03:49.760 it's fifty. Dollars you're going to go down To adams 1273 01:03:49.840 --> 01:03:51.440 or what do you, Say jeff go think he? 1274 01:03:51.519 --> 01:03:55.000 Said or where It's Clarimber county And mark In the 1275 01:03:55.000 --> 01:03:57.039 one place where you AND i have a divergence of, 1276 01:03:57.079 --> 01:03:59.480 opinion IS i believe it's necessary to sue both of 1277 01:03:59.480 --> 01:04:02.199 Them Simon. DANGER i don't think because if he if 1278 01:04:02.239 --> 01:04:06.840 he sues one can't find, one then well the second 1279 01:04:06.880 --> 01:04:10.239 the defendant he did find is still roped into this. Lawsuit, 1280 01:04:10.840 --> 01:04:13.880 Right BUT i think that if he, sues one loses 1281 01:04:14.039 --> 01:04:16.000 sues the second that's the second bite of the. 1282 01:04:16.000 --> 01:04:18.079 Apple that's WHAT i want to. Ask that's WHAT i 1283 01:04:18.119 --> 01:04:20.599 want to Ask. Brian Get brian. ON i want to 1284 01:04:20.639 --> 01:04:23.119 ask him that because to, me it's going to be 1285 01:04:23.239 --> 01:04:26.519 the owner of the. Vehicle if you come over to 1286 01:04:26.599 --> 01:04:30.400 my house for a dinner party and you bring a, 1287 01:04:30.480 --> 01:04:34.159 date AND i know that's a, leap but Let's i'm kidding. 1288 01:04:34.320 --> 01:04:37.760 Me so you bring a date and you come in 1289 01:04:37.800 --> 01:04:42.440 the house and your date slips and falls and does 1290 01:04:42.480 --> 01:04:43.159 something to hurt. 1291 01:04:43.159 --> 01:04:46.760 Herself, Okay, no, no she should somehow harm your house 1292 01:04:47.320 --> 01:04:51.280 because in your, example you would hold me responsible for her. 1293 01:04:51.360 --> 01:04:53.800 Misbehavior, no that's not What i'm. Saying i'm SAYING i 1294 01:04:53.800 --> 01:04:57.400 don't see any reason. WHY i don't see any reason 1295 01:04:57.440 --> 01:04:59.880 why you would go after the. DRIVER i think you 1296 01:05:00.000 --> 01:05:02.559 would go after the owner of the. Car that's All i'm. 1297 01:05:02.599 --> 01:05:04.480 So the reason is that it's the driver of the 1298 01:05:04.559 --> 01:05:06.239 vehicle who committed the tort Against. 1299 01:05:06.360 --> 01:05:09.719 Jeff LET'S i want to see What brian. Says he's 1300 01:05:09.760 --> 01:05:12.760 available in five five. Minutes all, right, everybody hold, tight. 1301 01:05:17.440 --> 01:05:21.039 Go with a sure. Thing denver's best roofer excel roofing dot. 1302 01:05:21.079 --> 01:05:27.039 Com you don't pay a cent until you're. Content time 1303 01:05:27.079 --> 01:05:30.400 for an insurance check up free no. Obligation comparison Call 1304 01:05:30.480 --> 01:05:33.800 Compass insurance paying too much your coverage at dozens of 1305 01:05:33.840 --> 01:05:36.480 insurance companies find out now three oh three seven to 1306 01:05:36.559 --> 01:05:39.360 seven to one. Help you'll think you're his only customer 1307 01:05:39.400 --> 01:05:41.639 when you Choose frank durand the real Estate man dot 1308 01:05:41.679 --> 01:05:44.960 com to list your home With Remax alliance three oh 1309 01:05:45.039 --> 01:05:46.760 three nine two zero sixteen twenty. 1310 01:05:46.800 --> 01:05:50.320 Two all, right three oh three seven one THREE a 1311 01:05:50.440 --> 01:05:52.639 two five. Five we're gonna Get Brian burns. On So 1312 01:05:52.719 --> 01:05:54.639 jeff hold tight. THERE i want to go back To 1313 01:05:54.760 --> 01:05:57.920 joe before the end of the. Break Joe keano My 1314 01:05:58.079 --> 01:06:00.880 Money myway Dot com to, Me, tue you were asking 1315 01:06:00.880 --> 01:06:03.199 them a lot of, questions BUT i love this. Product 1316 01:06:03.280 --> 01:06:05.719 i'm not saying you go out and you liquefy YOUR 1317 01:06:05.719 --> 01:06:08.079 ira or four oh ONE k and dive into, this 1318 01:06:08.280 --> 01:06:10.360 But i'll tell you. This i'll tell you a number 1319 01:06:10.360 --> 01:06:13.239 that'll blow you. AWAY i gave that example of, myself 1320 01:06:13.519 --> 01:06:15.920 AND i would have one hundred and eighty thousand a, 1321 01:06:16.039 --> 01:06:18.679 year and then IF i got, sick it would double 1322 01:06:19.000 --> 01:06:21.920 listen to this twenty two year old twenty. Two i've 1323 01:06:21.960 --> 01:06:25.039 got a kid that's twenty. Two adeline actually just turned twenty. 1324 01:06:25.039 --> 01:06:29.239 Three if she bought a ten thousand dollars annuity right, now, 1325 01:06:29.400 --> 01:06:33.840 okay right, now when she turns what was, it sixty, 1326 01:06:33.840 --> 01:06:36.679 eight sixty, five when she turns sixty, five you know 1327 01:06:36.840 --> 01:06:40.239 much money she has if she doesn't add one nickel to, 1328 01:06:40.320 --> 01:06:43.400 it one nickel under this, product because remember she gets 1329 01:06:43.440 --> 01:06:47.480 to fifteen percent. Bonus she actually takes advantage of when 1330 01:06:47.519 --> 01:06:51.039 the stock market's up or THE. Snp when the SNP's, 1331 01:06:51.119 --> 01:06:54.639 up she's, up but it ratchets, in never drops. Down 1332 01:06:55.039 --> 01:06:56.880 just just totally get me a, Guest. 1333 01:06:56.960 --> 01:07:02.119 Dmitri, Okay so the future present value of this annuity 1334 01:07:02.199 --> 01:07:05.159 when she's sixty, five forty three years from now would 1335 01:07:05.199 --> 01:07:07.159 probably be about a million and a. 1336 01:07:07.239 --> 01:07:10.599 Half but the question is that's. Much that's a damn 1337 01:07:10.639 --> 01:07:13.800 good guess it's. Over it's like one point two million. 1338 01:07:13.840 --> 01:07:16.920 Dollars can you imagine if that that's my. Daughter imagine 1339 01:07:16.920 --> 01:07:20.719 if that was my, grandkid and my grandkid before it's even. 1340 01:07:20.840 --> 01:07:23.519 BORN i don't know technically how you do, that but 1341 01:07:23.679 --> 01:07:27.159 basically you do. That you're long gone six feet under 1342 01:07:27.679 --> 01:07:31.039 and they find out someday when they go to retire 1343 01:07:31.440 --> 01:07:34.800 they have this this nest egg that grandpa or mom 1344 01:07:34.840 --> 01:07:37.800 and dad set up for him a million years, ago 1345 01:07:37.880 --> 01:07:39.440 worth over a million. Dollars it's. 1346 01:07:39.480 --> 01:07:43.480 Crazy, however she's not expected to withdraw that money at that, point, 1347 01:07:43.559 --> 01:07:46.000 right she can start taking a monthly. Payment and how 1348 01:07:46.079 --> 01:07:48.280 much would that Be we have to run the. 1349 01:07:48.320 --> 01:07:50.960 Numbers, country but it would be a pretty fessible. 1350 01:07:50.960 --> 01:07:53.320 Amount, well it probably would be a little bit more 1351 01:07:53.360 --> 01:07:57.280 than the fourteen thousand dollars that Mark mark's. Example, Right 1352 01:07:57.360 --> 01:08:00.559 so let's say sixteen seventeen thousand dollars forty three. 1353 01:08:00.599 --> 01:08:03.480 Years, so, yeah we don't know the value of that 1354 01:08:03.599 --> 01:08:04.239 is where you're. 1355 01:08:04.119 --> 01:08:07.719 Going, well we we don't know the value of the monthly. 1356 01:08:07.760 --> 01:08:10.079 Payment, no, NO i know we. Do we don't. 1357 01:08:10.119 --> 01:08:15.519 Know, okay we don't know what a million dollars can 1358 01:08:15.679 --> 01:08:18.279 be can buy in forty three? Years? 1359 01:08:18.399 --> 01:08:19.359 Oh with? Inflation? 1360 01:08:19.600 --> 01:08:19.720 Right? 1361 01:08:20.039 --> 01:08:22.079 Inflation but hold, on hold. On this made me think 1362 01:08:22.159 --> 01:08:25.640 of something we don't know that you can actually for 1363 01:08:25.760 --> 01:08:28.399 a few more. Dollars in, fact on a ten thousand 1364 01:08:28.439 --> 01:08:30.000 dollars annuity be almost. 1365 01:08:29.680 --> 01:08:30.359 Nothing almost. 1366 01:08:30.399 --> 01:08:35.119 Nothing you could literally buy an inflation rider that would 1367 01:08:35.199 --> 01:08:37.840 ride with. Inflation, yeah well you have to think how 1368 01:08:37.880 --> 01:08:38.439 crazy that. 1369 01:08:38.640 --> 01:08:40.800 WAS i, mean that's. BEAUTIFUL i mean that's That Deputy 1370 01:08:40.880 --> 01:08:41.520 duck actually. 1371 01:08:41.520 --> 01:08:44.119 Has, Yeah Deputy docks got that exact. Thing i'm, SORRY 1372 01:08:44.119 --> 01:08:44.720 i keep cutting you. 1373 01:08:44.760 --> 01:08:47.920 Out, no, no but you know, something you, Know dmitre gave 1374 01:08:48.000 --> 01:08:51.760 me some numbers to. Run, yeah what'd you? Find he's 1375 01:08:51.800 --> 01:08:54.520 fifty five years, old got it right? Now and he 1376 01:08:54.560 --> 01:08:58.319 wants to invest half a million dollars into this wonderful. 1377 01:08:58.319 --> 01:09:00.479 Annuity, okay day Won. 1378 01:09:00.640 --> 01:09:05.039 Dmitry day, one your account is worth five hundred and 1379 01:09:05.079 --> 01:09:07.920 seventy five thousand dollars and it starts to grow to 1380 01:09:07.960 --> 01:09:10.840 the fifteen percent. Bonus you don't. Have you don't have to, wait, 1381 01:09:11.159 --> 01:09:11.359 JOH i. 1382 01:09:11.439 --> 01:09:13.479 Understand but it's not LIKE i can just get a 1383 01:09:13.560 --> 01:09:16.199 check for that amount from you on day, too, Right, no. 1384 01:09:16.039 --> 01:09:18.399 But on, date on date. Whatever you don't that? 1385 01:09:18.479 --> 01:09:21.920 WOULD i, mean we continue to grow and compound along 1386 01:09:21.960 --> 01:09:23.680 with my initial and that's the whole. 1387 01:09:23.720 --> 01:09:26.199 Idea that's a great. Question when does it in ten? 1388 01:09:26.279 --> 01:09:27.680 Years he owns, that, right that is. 1389 01:09:27.760 --> 01:09:30.319 Right so you got to remember that this is a retirement. 1390 01:09:30.399 --> 01:09:33.560 Vehicle it's not a saving Circl so you, know if 1391 01:09:33.600 --> 01:09:34.119 you look at the. 1392 01:09:34.560 --> 01:09:37.159 No But, JOE i want to. CLARIFY i want to 1393 01:09:37.159 --> 01:09:40.359 clarify what you're. Saying but in ten, years if he 1394 01:09:40.479 --> 01:09:42.960 did want to cash out of that, thing, right that's his, 1395 01:09:43.119 --> 01:09:43.880 money then. 1396 01:09:44.159 --> 01:09:46.159 You have over a million. Dollars i'm looking at them 1397 01:09:47.039 --> 01:09:48.319 million years is BECAUSE. 1398 01:09:48.279 --> 01:09:50.479 I, say when does he get the bonus money if 1399 01:09:50.479 --> 01:09:51.960 he wanted to get ten? Years ten? 1400 01:09:52.039 --> 01:09:52.239 Years? 1401 01:09:52.279 --> 01:09:53.600 Right over ten? 1402 01:09:53.680 --> 01:09:53.880 Years. 1403 01:09:53.920 --> 01:09:55.640 Right but the idea of buying an annuity is not 1404 01:09:55.680 --> 01:09:58.359 to collect a big check ahead of. Something it's the 1405 01:09:58.520 --> 01:10:01.439 annual income that you rely on for the rest of your. 1406 01:10:01.439 --> 01:10:05.039 Life so where would those when COULD i start those? 1407 01:10:05.079 --> 01:10:06.399 Payments and how much would they? 1408 01:10:06.479 --> 01:10:08.319 Be, Okay i'm going to give them to you right. 1409 01:10:08.359 --> 01:10:12.359 Now you can begin at the end of the first 1410 01:10:12.680 --> 01:10:16.600 year basically to start drawing an, income and that payment 1411 01:10:16.640 --> 01:10:19.840 would be nineteen, thousand eight hundred and thirty four dollars 1412 01:10:19.840 --> 01:10:21.479 a month for the rest of your. 1413 01:10:21.359 --> 01:10:22.920 Life so twenty four thousand a. 1414 01:10:23.000 --> 01:10:26.680 Year so if you wait ten, years let's say we 1415 01:10:26.880 --> 01:10:31.079 become sixty's a good, example you will have fifty one, 1416 01:10:31.119 --> 01:10:33.600 thousand one hundred and two. 1417 01:10:33.560 --> 01:10:35.560 Dollars per year per, year. 1418 01:10:35.439 --> 01:10:39.199 And if something, happens he's got he's got. Doublet IF 1419 01:10:39.199 --> 01:10:40.199 i need long. 1420 01:10:40.039 --> 01:10:42.880 Term, care it becomes one hundred and two, thousand two. 1421 01:10:43.119 --> 01:10:47.199 Four and then so let's SAY i, die either at 1422 01:10:47.279 --> 01:10:50.720 age sixty six or one hundred and. Two good, question 1423 01:10:50.800 --> 01:10:55.239 what happens to the balance of all that? Money the entire, value. 1424 01:10:54.880 --> 01:10:56.680 The account, value will go to your. 1425 01:10:56.680 --> 01:11:00.199 Beneficiary so ifety account values a million, bucks, right they 1426 01:11:00.199 --> 01:11:01.079 get a million of them right. 1427 01:11:01.119 --> 01:11:03.399 Here i'm looking at it right. 1428 01:11:03.399 --> 01:11:06.079 Here so let me, said if you, died you, know 1429 01:11:06.159 --> 01:11:11.119 let's say at sixty sixty, six a million dollars will go. 1430 01:11:11.119 --> 01:11:13.479 To your, beneficiary whoever that, is whoever that. 1431 01:11:13.640 --> 01:11:15.720 Is and then a lot of people, joh thanks a. 1432 01:11:15.760 --> 01:11:18.279 Lot that's. AWESOME a lot of people teer. Them so 1433 01:11:18.319 --> 01:11:21.600 in other, words instead of buying one annuity for five hundred, 1434 01:11:21.600 --> 01:11:25.119 thousand you buy, two one for two, fifty one for two. 1435 01:11:25.159 --> 01:11:27.920 Fifty you, might when you get to be fifty, five 1436 01:11:28.000 --> 01:11:31.119 turn one on while the other still. Grows you, follow 1437 01:11:31.239 --> 01:11:33.600 what do you call? That staggering staging. 1438 01:11:33.199 --> 01:11:36.399 Ladder lettering ladder in? Dinnuities and you see what people. 1439 01:11:36.479 --> 01:11:38.880 Need he's got clients that have five or six when 1440 01:11:38.920 --> 01:11:41.319 they only have one turned on and the rest continue to. 1441 01:11:41.319 --> 01:11:43.960 Grow because they still might have a pension from an 1442 01:11:43.960 --> 01:11:46.079 old company or something else going. 1443 01:11:46.119 --> 01:11:50.600 On, joe can any of these instruments be used, to let's, 1444 01:11:50.600 --> 01:11:51.920 say finance a primary. 1445 01:11:51.960 --> 01:11:56.079 Residence, now this is now set up for that that 1446 01:11:56.279 --> 01:11:57.800 become the banker account that we. 1447 01:11:57.880 --> 01:12:02.279 Have that's exactly what that will. Do his other, product 1448 01:12:02.279 --> 01:12:03.640 it's another, product all. 1449 01:12:03.680 --> 01:12:06.159 Right let me give his info Out My Money myway dot. 1450 01:12:06.239 --> 01:12:09.359 Com it's simple as. That My Money myway dot. Com 1451 01:12:09.399 --> 01:12:12.079 Brian burns is. On we've got three lines. Open. LISTEN 1452 01:12:12.159 --> 01:12:14.119 i want to hear from. You you've been ripped off 1453 01:12:14.159 --> 01:12:17.880 taking advantage OF i am dying to go after a bad. 1454 01:12:17.960 --> 01:12:21.720 Guy i'm shaking three zero Three martino three oh Three 1455 01:12:21.760 --> 01:12:26.039 Martino Help troubleshooter dot. Com, everyboddy Hang taye. 1456 01:12:38.479 --> 01:12:42.079 Go with a sure Thing Denver's Best Roofer Excel roofing dot. 1457 01:12:42.119 --> 01:12:48.119 Com you don't pay a cent until you're contenth time 1458 01:12:48.119 --> 01:12:51.439 for an insurance check up, free no obligation comparison Call 1459 01:12:51.520 --> 01:12:54.840 Compass insurance paying too much your coverage at dozens of 1460 01:12:54.880 --> 01:12:58.079 insurance companies find out now three oh three seven seven one. 1461 01:12:58.159 --> 01:13:01.039 Help you'll think you're his only customer when you Choose 1462 01:13:01.039 --> 01:13:03.520 frank durand the real estate man Dot com to list 1463 01:13:03.560 --> 01:13:06.640 your home With Remax alliance three oh three nine two 1464 01:13:06.720 --> 01:13:14.800 zero sixteen twenty, two. 1465 01:13:13.560 --> 01:13:14.439 Ripped up. 1466 01:13:15.840 --> 01:13:18.720 New that's who you don't. 1467 01:13:18.760 --> 01:13:24.680 Have come running as fast as we can show The 1468 01:13:24.800 --> 01:13:25.760 shooter is gonna. 1469 01:13:25.840 --> 01:13:33.439 Help Come Man dix is The Troubleshooter Show, Now Tom, Martinez, Welcome. 1470 01:13:33.199 --> 01:13:35.479 Welcome my friends to the only show of it's. Kind 1471 01:13:35.520 --> 01:13:38.479 we're here to solve, problems to answer your, questions take. 1472 01:13:38.560 --> 01:13:41.840 Complaints i'm surrounded by some great, deputies my Wife suzanne 1473 01:13:42.279 --> 01:13:45.560 uh our executive, Producer, kelly our. Producer on the other 1474 01:13:45.600 --> 01:13:48.399 side of the, Glass, DRAGON i, assume is now in the. 1475 01:13:48.439 --> 01:13:52.600 House dragons in the. House we have a guest today as, 1476 01:13:52.760 --> 01:13:57.159 well and that Is Jordan. Kenna in, fact your dad 1477 01:13:57.279 --> 01:14:00.039 was with us the first two. Hours, jordan how are you? 1478 01:14:00.119 --> 01:14:03.039 Doing how come you get the? Second how come your 1479 01:14:03.119 --> 01:14:04.880 second and not? First i'm just going to ask. 1480 01:14:04.920 --> 01:14:06.840 You you, know that is a good. Question you know 1481 01:14:07.239 --> 01:14:09.439 sometimes you get us mixed, up you, Say joseph And. Joe, 1482 01:14:09.600 --> 01:14:11.079 yeah you, KNOW i think it's BECAUSE i come. Second 1483 01:14:11.119 --> 01:14:12.960 that's how it. Works so that's because you. Comes So 1484 01:14:13.119 --> 01:14:13.479 i'm doing. 1485 01:14:13.479 --> 01:14:15.640 Great how you guys Doing we're doing pretty, good. Man 1486 01:14:15.680 --> 01:14:19.000 we were talking about your product little last. Hour in, 1487 01:14:19.039 --> 01:14:23.000 Fact dmitri was asking pretty good. Questions and that's A 1488 01:14:23.119 --> 01:14:25.960 Deputy dimitri and Then Deputy boson with us. Too but 1489 01:14:26.119 --> 01:14:28.000 here's what we're gonna do right. Now we're gonna get 1490 01:14:28.039 --> 01:14:30.720 right to the. Phones three oh three seven one three 1491 01:14:30.840 --> 01:14:32.800 eight two five. FIVE i do have a couple lines. 1492 01:14:32.840 --> 01:14:35.560 OPEN i want to finish up With. Jeff jeff called 1493 01:14:35.640 --> 01:14:39.439 up and Basically jeff got into a car Accident january 1494 01:14:39.520 --> 01:14:41.760 of last. Year And i'm saying this for our, Expert Brian, 1495 01:14:41.760 --> 01:14:46.359 Burns So, Brian january of last, year this, guy according 1496 01:14:46.399 --> 01:14:50.600 to the, Caller jeff gets. Sideswiped, ultimately the person that 1497 01:14:50.720 --> 01:14:54.680 hit him ended up getting a. Ticket Fred loya is 1498 01:14:54.720 --> 01:14:59.159 the other guy's. Insurance and the bottom line is. This 1499 01:14:59.279 --> 01:15:02.479 they basically send him a denial. Letter he, says a 1500 01:15:02.479 --> 01:15:06.880 denial letter said something like this is actually after he 1501 01:15:06.920 --> 01:15:09.800 talked To Fred, loyer they said there's just too much 1502 01:15:09.920 --> 01:15:15.600 evidence to actually believe that this whole thing isn't being put. 1503 01:15:15.640 --> 01:15:18.399 TOGETHER i, mean it was the most ridiculous THING i ever, 1504 01:15:18.399 --> 01:15:20.800 heard if that's what they actually told. Him but here's 1505 01:15:20.800 --> 01:15:24.560 where the conversation went, to, so the guy driving the, 1506 01:15:24.600 --> 01:15:28.199 car from everything we, know had, Permission so keep that 1507 01:15:28.359 --> 01:15:30.479 in the back of your. Mind he had permission to drive. 1508 01:15:30.520 --> 01:15:33.399 It so if he did have permission to drive, it 1509 01:15:34.199 --> 01:15:36.800 And Fred lay is denying, it if you were going 1510 01:15:36.880 --> 01:15:39.199 to take him the small claims court it's forty five hundred, 1511 01:15:39.199 --> 01:15:42.319 dollars or even sue them in county, court, whatever whatever 1512 01:15:42.479 --> 01:15:45.600 the case is or the venue, is would you sue 1513 01:15:46.159 --> 01:15:50.359 the owner of the vehicle or the? Driver now both 1514 01:15:50.399 --> 01:15:53.720 would be, great but ULTIMATELY i would think the insurance 1515 01:15:54.119 --> 01:15:56.279 is going to be the one, pressured SO i would 1516 01:15:56.279 --> 01:15:59.720 sue The IF i could only choose, ONE i would 1517 01:15:59.800 --> 01:16:02.880 sue the. Driver in, FACT i don't even see the 1518 01:16:03.000 --> 01:16:06.960 reasoning for suing the other, guy just BECAUSE i doubt 1519 01:16:06.960 --> 01:16:09.479 he's got any money. Whatsoever but just give us your 1520 01:16:09.520 --> 01:16:09.960 thoughts on. 1521 01:16:10.039 --> 01:16:12.960 It, well my original thought would be to sue the, 1522 01:16:13.000 --> 01:16:15.319 owner because he's the one at least has a car 1523 01:16:15.399 --> 01:16:17.680 and had. Insurance we don't even know about the, driver 1524 01:16:17.760 --> 01:16:18.960 do He does the driver even have? 1525 01:16:19.039 --> 01:16:22.159 Insurance, no the driver doesn't have his own. Insurance he 1526 01:16:22.279 --> 01:16:24.399 was used on the other guy's, car and considering the 1527 01:16:24.439 --> 01:16:27.279 other guy's, car Is Fred. Loyer that's the only Reason 1528 01:16:27.439 --> 01:16:30.159 i'm putting this, together that there could be nothing to 1529 01:16:30.199 --> 01:16:32.199 go after on the other, Side. 1530 01:16:32.359 --> 01:16:34.439 Well there could be nothing to GO i think at 1531 01:16:34.520 --> 01:16:37.039 least there's a sign of insurance on the owner. Side 1532 01:16:37.079 --> 01:16:39.279 there's nothing on the driver's. Side SO i THINK i 1533 01:16:39.279 --> 01:16:41.880 would go out to the. OWNER i will tell you 1534 01:16:42.000 --> 01:16:44.520 ninety percent of the, TIME i would, say maybe even 1535 01:16:44.600 --> 01:16:50.439 higher than. That auto insurance has permissive use. Coverage Fred, 1536 01:16:50.520 --> 01:16:54.159 loyer no guarantee of. THAT i mean you're talking, about you, 1537 01:16:54.159 --> 01:16:55.560 know the very bottom. 1538 01:16:55.640 --> 01:16:58.800 Rungs in my, Opinion, yeah but du're denying. It, jeff 1539 01:16:58.840 --> 01:17:01.520 tell us, again what did the denial letters say From Fred? 1540 01:17:01.600 --> 01:17:04.800 Loyer what was the? Reasoning two? 1541 01:17:04.840 --> 01:17:08.520 Reasons number one that there was no police on scene 1542 01:17:08.560 --> 01:17:10.439 at the, time it was all handled over the phone 1543 01:17:10.479 --> 01:17:14.119 with the csp. Okay and number, two there was too 1544 01:17:14.159 --> 01:17:18.119 much evidence against their. Driver it sounds too fishy to, them. 1545 01:17:18.319 --> 01:17:20.960 Sounds too fishy That but wait a, minute wait a, 1546 01:17:21.000 --> 01:17:24.279 minute are you saying the denial letter literally says it 1547 01:17:24.399 --> 01:17:27.399 seems too. Fishy it not knows. 1548 01:17:27.439 --> 01:17:29.720 Where it says there's too much evidence against our. 1549 01:17:29.800 --> 01:17:32.159 Drivers what it really, says that's. It there's no way 1550 01:17:32.159 --> 01:17:34.880 it says that not even Fred leya is that. STUPID 1551 01:17:35.039 --> 01:17:37.000 i would use that as one of the. Exhibits that 1552 01:17:37.039 --> 01:17:40.039 would be the best example. Ever And, brian he says 1553 01:17:40.079 --> 01:17:43.159 he's got video and everything of. THIS i mean to, 1554 01:17:43.199 --> 01:17:45.800 me it sounds like a slam. Dunk it's only forty 1555 01:17:45.840 --> 01:17:48.239 five hundred. Bucks you serve the owner of the vehicle 1556 01:17:48.560 --> 01:17:51.279 and he's going to bitch To Fred. Loya they're going 1557 01:17:51.359 --> 01:17:53.359 to have to make a decision whether to pay the 1558 01:17:53.399 --> 01:17:55.680 forty five hundred bucks or try to fight it in 1559 01:17:55.680 --> 01:17:58.039 small claims, court where they're going to have to ask 1560 01:17:58.079 --> 01:18:01.039 the judge to allow them to bring into an. Attorney 1561 01:18:01.039 --> 01:18:03.239 but even if they do bring in an, attorney it's 1562 01:18:03.279 --> 01:18:04.880 still going to be very basic. 1563 01:18:05.039 --> 01:18:08.119 Rules but what, okay they CAN i ask, you why 1564 01:18:08.640 --> 01:18:10.800 have you just turned it into your own? Insurance why 1565 01:18:10.840 --> 01:18:11.319 wouldn't you do? 1566 01:18:11.359 --> 01:18:14.479 That he doesn't have that. Coverage he's only got liability 1567 01:18:14.960 --> 01:18:19.079 and he's got. Uninsured that's. It he doesn't have, compepolusion. 1568 01:18:19.880 --> 01:18:23.119 Gotcha, Okay, yeah so that is your. Option but, yes 1569 01:18:23.439 --> 01:18:25.800 to answer your original, question in my, OPINION i would 1570 01:18:25.840 --> 01:18:28.319 go after the owner of the vehicle more than the. 1571 01:18:28.399 --> 01:18:30.880 Driver, YEAH i don't think the driver means. Anything, now 1572 01:18:30.920 --> 01:18:33.920 if they both lived in you know what interesting. Question 1573 01:18:34.079 --> 01:18:38.039 if they both did live in the same, dwelling Could 1574 01:18:38.039 --> 01:18:40.800 Fred loyer actually make the argument that they should have 1575 01:18:40.840 --> 01:18:41.640 been listed on the. 1576 01:18:41.680 --> 01:18:45.119 Policy, absolutely, yeah they could say he was an excluded 1577 01:18:45.199 --> 01:18:45.720 driver in that. 1578 01:18:45.760 --> 01:18:49.199 Case so you almost you could almost screw yourself serving 1579 01:18:49.239 --> 01:18:51.960 both of them if they're in this only if they're 1580 01:18:51.960 --> 01:18:54.359 in the same whole. Household AND I i don't even 1581 01:18:54.560 --> 01:18:56.800 why AM i even thinking, That. Jeff did you mention 1582 01:18:56.960 --> 01:18:57.840 they live together or? 1583 01:18:57.880 --> 01:19:00.479 What, yeah they lived, together they're in the same. 1584 01:19:00.479 --> 01:19:03.560 Place She's you might be lucky they have any coverage at, 1585 01:19:03.560 --> 01:19:04.000 All Hi. 1586 01:19:03.960 --> 01:19:08.000 Bray, YEAH i THINK i would do exactly what you're. 1587 01:19:08.039 --> 01:19:10.279 Doing i'd go after, him probably the, owner because he's 1588 01:19:10.279 --> 01:19:12.399 the one that has the. Insurance but the chance of 1589 01:19:12.439 --> 01:19:14.760 getting anything out of, them who. KNOWS i don't know 1590 01:19:14.760 --> 01:19:17.039 whether they have anything to suit. FOR i just don't, Know. 1591 01:19:17.880 --> 01:19:20.760 Brian if we go out of this. Realm, Jeff i'm 1592 01:19:20.800 --> 01:19:23.079 not sure if you got any other questions for our, 1593 01:19:23.119 --> 01:19:25.319 expert BUT i, mean it's. EVERYTHING i basically it's told 1594 01:19:25.399 --> 01:19:26.880 you have a question mark go, ahead. 1595 01:19:26.880 --> 01:19:32.760 Bo so at the beginning of this, Story, jeff you 1596 01:19:32.960 --> 01:19:36.560 said that The Carro State patrol issued a, ticket but 1597 01:19:36.720 --> 01:19:37.640 they didn't come on. 1598 01:19:37.920 --> 01:19:40.039 Scene how can a ticket be. 1599 01:19:40.239 --> 01:19:42.399 As they issued the? Ticket and how do you know they? 1600 01:19:42.399 --> 01:19:45.079 Did the police report. 1601 01:19:44.760 --> 01:19:50.119 THAT i retrieved later indicates, everything the, names, dresses and 1602 01:19:50.199 --> 01:19:53.119 it shows that the driver the vehicle was in fact 1603 01:19:53.199 --> 01:19:56.920 issued A Cats operations. 1604 01:19:57.439 --> 01:20:01.039 TICKET i wonder how they do that after the, Fact. 1605 01:20:01.560 --> 01:20:03.119 Brian have you ever heard of? 1606 01:20:03.159 --> 01:20:05.640 THAT i have, Not i've never. 1607 01:20:05.720 --> 01:20:07.000 HEARD i, MEAN i thought you had to be on 1608 01:20:07.119 --> 01:20:09.720 scene for the ticket to be. ISSUED i guess that's 1609 01:20:09.960 --> 01:20:11.119 that's outside the insurance. 1610 01:20:11.119 --> 01:20:15.239 Scope but that's not only is it outside the insurance. 1611 01:20:15.279 --> 01:20:17.399 Scope let me tell you, This there's been plenty of 1612 01:20:17.479 --> 01:20:21.960 times on this show people have been issued tickets and 1613 01:20:22.000 --> 01:20:24.359 it has nothing to do with who's at fault for the, 1614 01:20:24.439 --> 01:20:28.279 accident nothing to Do the closest ONE i remember was 1615 01:20:28.319 --> 01:20:30.920 only a few weeks, ago and we actually had the 1616 01:20:31.039 --> 01:20:35.039 video where when the video came the cops ended up 1617 01:20:35.119 --> 01:20:36.399 ripping up the ticket they. 1618 01:20:36.439 --> 01:20:40.520 Gave, yeah the other driver got the ticket at the 1619 01:20:40.520 --> 01:20:42.720 time of the. Accident but then the guy who rolled 1620 01:20:42.760 --> 01:20:45.880 his four runners six times sent us a video and 1621 01:20:45.920 --> 01:20:47.520 it clearly shows that he's the one at. 1622 01:20:47.560 --> 01:20:49.840 Fault SO i mean it happens In. Brian you know. 1623 01:20:49.880 --> 01:20:52.640 This people argue fifty to fifty all the, time meaning 1624 01:20:53.039 --> 01:20:54.560 either insurance company does. 1625 01:20:54.600 --> 01:20:58.079 Anything, yeah well then your own insurance is responsible for 1626 01:20:58.119 --> 01:21:00.520 your own, damage which in this case wouldn't help him 1627 01:21:00.560 --> 01:21:01.920 because he doesn't have insurance on the. 1628 01:21:02.000 --> 01:21:04.760 Vehicle, So, jeff you just got to take this guy to. Court, 1629 01:21:04.800 --> 01:21:07.159 Man just do. It just take, them take, them take. 1630 01:21:07.199 --> 01:21:11.359 THEM i do want to Thank Brian burns The Insurance 1631 01:21:11.359 --> 01:21:15.000 Help center dot com or go To Compass insurance dot. Com, 1632 01:21:15.119 --> 01:21:18.279 brian our rates are just going crazy on. You are 1633 01:21:18.319 --> 01:21:21.000 you seeing a lot of renewals on homeowners that they're 1634 01:21:21.039 --> 01:21:22.479 getting more out of control than? 1635 01:21:22.479 --> 01:21:26.920 Ever the rates are still not going down at this, 1636 01:21:27.000 --> 01:21:32.600 point Although i'm seeing signs of some relief. Coming i've 1637 01:21:32.680 --> 01:21:36.199 seen two insurance companies Have i've met with are filing 1638 01:21:36.239 --> 01:21:39.520 for a rate decrease on the auto and a and 1639 01:21:39.640 --> 01:21:43.039 a rate stable on the. Home so if this, Year 1640 01:21:43.680 --> 01:21:45.600 i'm just telling, you if we get through this summer 1641 01:21:45.640 --> 01:21:49.520 without major, hailstorms we're gonna all see rates coming down a. 1642 01:21:49.560 --> 01:21:50.520 BIT i really believe. 1643 01:21:50.560 --> 01:21:50.760 That. 1644 01:21:51.239 --> 01:21:53.640 Wow but if we see major, hailstorms it could be 1645 01:21:53.680 --> 01:21:54.239 the complete. 1646 01:21:54.239 --> 01:21:56.359 Opposite it could be the opposite. 1647 01:21:56.640 --> 01:21:57.119 Just the other. 1648 01:21:57.199 --> 01:22:01.399 Day, well but insurance companies also have as many people, 1649 01:22:01.439 --> 01:22:05.720 realize they have changed a lot of policies where there's 1650 01:22:05.760 --> 01:22:09.039 greater deductibles on the wind. Hail SO i just don't 1651 01:22:09.079 --> 01:22:11.520 think insurance companies are going to get hit as. Hard 1652 01:22:12.159 --> 01:22:16.760 so if we just see In colorado them break even this, 1653 01:22:16.920 --> 01:22:19.520 year we should start to see. Them you, know more 1654 01:22:19.560 --> 01:22:22.520 and more companies step back into wanting wanting to write. 1655 01:22:22.560 --> 01:22:25.600 Business so you, KNOW i was talking To John place WITH. 1656 01:22:25.720 --> 01:22:29.000 CMG i talk about them all the, time and they 1657 01:22:29.039 --> 01:22:31.039 do a ton of, Lending, BRIAN i, mean they do 1658 01:22:31.159 --> 01:22:33.760 like twenty billion dollars a. Month they're the, Bank they're 1659 01:22:33.800 --> 01:22:37.039 not like just a. Broker but one of the things 1660 01:22:37.079 --> 01:22:40.439 he's told me that was. Incredible people looking at buying 1661 01:22:40.479 --> 01:22:44.039 their first. House forget ABOUT Refi i'm talking, purchases whether 1662 01:22:44.119 --> 01:22:47.479 the first house or the. Fifth the funny part about Purchases, 1663 01:22:47.560 --> 01:22:52.520 now once you calculate In colorado the taxes and, insurance 1664 01:22:53.119 --> 01:22:56.880 it is crazy how little spending power they. Have taxes 1665 01:22:56.920 --> 01:23:00.279 have almost doubled in the state in the last last 1666 01:23:00.319 --> 01:23:04.199 four or five. Years and then homeowners is my, god 1667 01:23:04.359 --> 01:23:07.720 it has probably if you go say twenty twenty To, 1668 01:23:07.880 --> 01:23:09.760 now how much higher do you think it? 1669 01:23:09.840 --> 01:23:14.039 Is, oh it's easily. DOUBLE i really believe that it's. Double. 1670 01:23:14.159 --> 01:23:18.079 YEAH i Mean i'm seeing carriers taking twenty percent every 1671 01:23:18.159 --> 01:23:20.079 year over the last five. Years at least there's something 1672 01:23:20.079 --> 01:23:22.520 to take more than. That it's it has been a 1673 01:23:22.800 --> 01:23:26.560 really rough last five years with, insurance specifically In, colorado 1674 01:23:26.640 --> 01:23:28.319 but obviously you see it in other parts of the. 1675 01:23:28.319 --> 01:23:29.399 Country you, know our. 1676 01:23:29.279 --> 01:23:32.119 First house and you, Know i'm not dating ourselves too, 1677 01:23:32.159 --> 01:23:34.399 much but was nineteen ninety three right? 1678 01:23:35.479 --> 01:23:35.800 Much? 1679 01:23:35.880 --> 01:23:38.560 Yeah so nineteen ninety, three a brand new house In 1680 01:23:38.680 --> 01:23:42.159 Parker Clark, farms brand new. House suzanne got to pick 1681 01:23:42.159 --> 01:23:44.159 out all the colors and the carpet and all that. 1682 01:23:44.199 --> 01:23:46.239 Crap you know how much it was one hundred and 1683 01:23:46.319 --> 01:23:49.199 ten thousand. Bucks one hundred and ten, THOUSAND i mean 1684 01:23:49.239 --> 01:23:52.640 our our mortgage payment with insurance and, everything we only 1685 01:23:52.680 --> 01:23:55.199 had ten percent, down so you, know we owed basically 1686 01:23:55.239 --> 01:23:58.000 one hundred thousand. DOLLARS i, mean our mortgage payment was 1687 01:23:58.039 --> 01:24:01.159 like eight hundred. DOLLARS i, mean AND i and we 1688 01:24:01.319 --> 01:24:05.199 MADE i bet back then we made maybe fifty, thousand maybe. 1689 01:24:05.279 --> 01:24:08.479 SIXTY i, mean you couldn't even Get there's people that 1690 01:24:08.560 --> 01:24:11.199 can't even get an apartment In colorado now for. 1691 01:24:11.239 --> 01:24:15.840 That, yeah, no it it's, Horrible, BRIAN i much. Higher, 1692 01:24:15.920 --> 01:24:19.520 YEAH i. Know i've got teenage and you, know early 1693 01:24:19.560 --> 01:24:22.279 twenties that are trying to buy, homes and it's it's just. 1694 01:24:22.359 --> 01:24:24.520 Tough it's tough to find anything out. There it's. 1695 01:24:24.560 --> 01:24:28.319 Crazy, Okay, HEY i appreciate that anybody wants to. Quote in, 1696 01:24:28.359 --> 01:24:31.199 FACT i always forget to tell people. This With Compass, 1697 01:24:31.239 --> 01:24:35.800 insurance any insurance you can, imagine they can generally beat anything, MOTORCYCLE, 1698 01:24:36.000 --> 01:24:43.039 rv business business, insurance workman's comp, anything anything you can, 1699 01:24:43.119 --> 01:24:46.840 imagine except for health. Insurance give these guys a. Call 1700 01:24:46.880 --> 01:24:49.520 they know what they're. Doing they shop so many different 1701 01:24:49.560 --> 01:24:52.359 companies for, you and they can save you. Money three 1702 01:24:52.359 --> 01:24:56.720 oh three nine nine six nine thousand Or Compass insurance dot. Com, 1703 01:24:56.800 --> 01:24:59.279 okay give us call three oh three seven one three 1704 01:24:59.319 --> 01:25:01.840 eight two. Five we're gonna take a quick. Break we'll 1705 01:25:01.840 --> 01:25:02.800 be back right after. 1706 01:25:02.840 --> 01:25:11.800 This go with a sure Thing Denver's best Roofer Excel 1707 01:25:11.920 --> 01:25:12.560 roofing dot. 1708 01:25:12.600 --> 01:25:13.439 Com you don't. 1709 01:25:13.279 --> 01:25:19.720 Pay a cent until you're. Content time for an insurance check, up, 1710 01:25:19.840 --> 01:25:23.640 free no. Obligation in, comparison Call compass insurance paying too 1711 01:25:23.720 --> 01:25:26.760 much your coverage at dozens of insurance. Companies find out 1712 01:25:26.800 --> 01:25:28.960 now three oh, three seven to seven to one. Help 1713 01:25:29.079 --> 01:25:31.720 you'll think you're his only customer when you Choose frank 1714 01:25:31.800 --> 01:25:34.239 durand the real estate man dot com to list your 1715 01:25:34.279 --> 01:25:37.399 home With Remax alliance three oh three nine two zero 1716 01:25:37.560 --> 01:25:38.279 sixteen twenty. 1717 01:25:38.319 --> 01:25:48.760 Two all, right fix it twenty four. Seven these are the. 1718 01:25:48.760 --> 01:25:50.800 Guys thirty nine bucks are gonna come. Out they're gonna 1719 01:25:50.800 --> 01:25:53.199 clean that air. Conditioner if you haven't had it, done 1720 01:25:53.800 --> 01:25:56.319 it's time to get it. Done it's new customers. Only in, 1721 01:25:56.319 --> 01:25:58.399 fact this hour is brought to you by, them and 1722 01:25:58.439 --> 01:26:00.920 it's a real. Deal they're gonna tear up artech and denser. 1723 01:26:00.960 --> 01:26:03.279 Outside they're going to spray it, down clean, it and 1724 01:26:03.479 --> 01:26:05.680 just make sure everything's. Good they're going to slap a 1725 01:26:05.800 --> 01:26:09.159 no breakdown guarantee on. It and they do all this 1726 01:26:09.359 --> 01:26:13.319 so when something does, break like your water heater or your, 1727 01:26:13.319 --> 01:26:16.119 furnace or you have an electrical issue in your, house 1728 01:26:16.199 --> 01:26:18.359 or maybe a drain is clogged, up you're going to 1729 01:26:18.399 --> 01:26:20.479 know who to. Call check them. Out it fix my 1730 01:26:20.720 --> 01:26:25.840 home dot. Com that's fixedmihome dot. Com, gentlemen any. UPDATES i, Heard, 1731 01:26:25.960 --> 01:26:30.279 dimitri you had something sitting in the hopper that was 1732 01:26:30.319 --> 01:26:33.479 going to blow us. Away you said it was one 1733 01:26:33.479 --> 01:26:37.920 of the best outcomes for a car problem that we've 1734 01:26:37.920 --> 01:26:40.039 had in a. While and car problems. Suck. 1735 01:26:40.479 --> 01:26:42.520 Yeah not only is it a car, problem it involves 1736 01:26:42.600 --> 01:26:46.119 a used engine and a used engine. Warranty and to 1737 01:26:46.199 --> 01:26:49.359 make matters even more, complicated the engine was swapped into 1738 01:26:49.399 --> 01:26:51.000 this vehicle almost three years. 1739 01:26:51.039 --> 01:26:53.159 Ago so when did they buy? It tell me a 1740 01:26:53.199 --> 01:26:54.600 little about the, story. 1741 01:26:54.439 --> 01:26:57.800 So you may recall That march twenty, Fourth alice called 1742 01:26:57.840 --> 01:27:01.319 on behalf of her, Son, armando had a used car 1743 01:27:01.520 --> 01:27:06.399 that approximately almost three years, ago needed an, engine and 1744 01:27:06.560 --> 01:27:09.239 So armando had a used engine. 1745 01:27:09.239 --> 01:27:11.560 Installed it was AN lkq. 1746 01:27:11.960 --> 01:27:15.760 Engine good, Engine, yeah and it came with a three year. Warranty, 1747 01:27:15.840 --> 01:27:18.319 now for reasons that we don't need to get into right, 1748 01:27:18.359 --> 01:27:20.800 now just in the interest of, Time armando had a 1749 01:27:20.880 --> 01:27:23.600 very difficult time working with a company that had originally 1750 01:27:23.600 --> 01:27:24.399 installed the used. 1751 01:27:24.399 --> 01:27:29.680 Engine and this does AN lkq actually handle? It o outside? 1752 01:27:29.760 --> 01:27:32.279 Like in other, words was he supposed to go back 1753 01:27:32.279 --> 01:27:33.960 to the original people or that didn't? 1754 01:27:33.960 --> 01:27:37.119 Matter, no as it turned, Out SO i SENT i 1755 01:27:37.359 --> 01:27:41.000 Sent kevin From Sharing Auto tech a copy Of armando's 1756 01:27:41.000 --> 01:27:44.239 bill of sale and information on that. Engine And kevin 1757 01:27:44.279 --> 01:27:46.800 told me that he can actually make a claim WITH. 1758 01:27:46.920 --> 01:27:48.840 Lkq yeah they're. Good, yeah they're. 1759 01:27:48.880 --> 01:27:52.479 Good and he has a relationship WITH lkq that he 1760 01:27:52.560 --> 01:27:54.520 felt he could leverage to help her mind. 1761 01:27:54.399 --> 01:27:58.479 For people out. THERE lkq is basically like a gigantic 1762 01:27:58.520 --> 01:28:01.479 salvage yard all around the. Country, yeah and so that 1763 01:28:01.600 --> 01:28:04.680 engine it might have been, rebuilt but generally through l 1764 01:28:04.760 --> 01:28:07.159 k it was it was a, rebuilt it was. Engine 1765 01:28:07.239 --> 01:28:10.159 they also sell used. Engines, yeah this was. That they'll 1766 01:28:10.199 --> 01:28:10.840 warranty as. 1767 01:28:10.880 --> 01:28:14.279 Well oh, yeah, yeah they're a high quality engine. Supplier so, 1768 01:28:14.479 --> 01:28:19.079 anyway over these past three, years this rebuilt used engine 1769 01:28:19.119 --> 01:28:22.239 That armando had had developed all kinds of. Problems it 1770 01:28:22.439 --> 01:28:25.079 had a rear main leak, seal it had a front seal. 1771 01:28:25.640 --> 01:28:27.760 Leak it was just dripping oil all over the. 1772 01:28:27.800 --> 01:28:30.680 Place and to make matters, worse it then developed a 1773 01:28:30.720 --> 01:28:31.399 head gasket. 1774 01:28:31.439 --> 01:28:35.640 Failure so there's the, money that's. It so and the 1775 01:28:35.640 --> 01:28:38.399 people he bought it from with that engine, originally they 1776 01:28:38.439 --> 01:28:40.039 could care less at this, point. 1777 01:28:40.199 --> 01:28:42.159 You, know it's not that they could care, less it's 1778 01:28:42.239 --> 01:28:46.560 just That armando wasn't the the easiest guy to deal with, 1779 01:28:46.600 --> 01:28:50.800 it and so their relationship over the years deteriorated to 1780 01:28:50.840 --> 01:28:53.439 the point WHERE i, Thought, hey let's just start all 1781 01:28:53.479 --> 01:28:55.479 over with a trusted and Trust kevin. 1782 01:28:55.479 --> 01:28:57.439 Again AND i Knew kevin. 1783 01:28:57.199 --> 01:29:01.960 Has the patience for, it and So, armando At kevin's, 1784 01:29:02.119 --> 01:29:05.439 urging had the vehicle towed Into Shared Noto. Tech and 1785 01:29:05.520 --> 01:29:07.800 this is about i'd say three three and a half 1786 01:29:07.880 --> 01:29:10.960 weeks ago or. So, WELL i just got an update 1787 01:29:11.199 --> 01:29:15.079 from From Shared Noto tech and here's what they found. 1788 01:29:15.079 --> 01:29:17.680 OUT lkq has. 1789 01:29:17.560 --> 01:29:22.119 Agreed to not only supply a, replacement rebuilt engine we 1790 01:29:22.119 --> 01:29:27.239 should expect to having about three, weeks BUT lkq has 1791 01:29:27.359 --> 01:29:31.479 also agreed to Reimburse armando for approximately forty seven hundred 1792 01:29:31.520 --> 01:29:34.079 dollars That Shared nototech will charge to swap out the. 1793 01:29:34.119 --> 01:29:37.239 Engines oh, Nice so he's going to be Out he's 1794 01:29:37.279 --> 01:29:40.199 going to be out of pocket zero or very, yeah very, 1795 01:29:40.239 --> 01:29:41.159 little if not even. 1796 01:29:41.319 --> 01:29:44.239 Zero and, FRANKLY i was really surprised to hear that 1797 01:29:44.399 --> 01:29:47.960 second part BECAUSE i read the terms of the warranty 1798 01:29:47.960 --> 01:29:49.359 THAT lkq puts on these. 1799 01:29:49.359 --> 01:29:51.640 Services, no they, do but they. 1800 01:29:51.600 --> 01:29:54.000 Cap it at like sixty or eighty bucks an hour 1801 01:29:54.199 --> 01:29:56.319 something like, that which is just a fraction of what it. 1802 01:29:56.399 --> 01:29:59.279 Was kevin's really stepping up, Too so, well. 1803 01:29:59.039 --> 01:30:02.399 No, kevin it seems LIKE i don't, KNOW i don't 1804 01:30:02.399 --> 01:30:05.279 know IF i don't think That kevin discounted as hourly. 1805 01:30:05.399 --> 01:30:08.239 Rate but it sounds to me LIKE lkq will cover 1806 01:30:08.319 --> 01:30:09.279 the entire labor. 1807 01:30:09.319 --> 01:30:12.760 Bill that's, nice you. Know, yeah people don't get. THAT 1808 01:30:12.840 --> 01:30:16.279 i don't. Care if it's a good aftermarket warranty, company 1809 01:30:16.720 --> 01:30:19.199 and there's some that are better than. Others, Personally i'd 1810 01:30:19.199 --> 01:30:22.479 never buy an aftermarket, warranty just. Wouldn't but some of 1811 01:30:22.520 --> 01:30:25.079 them do pay when. NEEDED i, mean there's no. Doubt 1812 01:30:25.159 --> 01:30:27.920 you can't argue that everyone is a, sham because that's 1813 01:30:27.920 --> 01:30:31.359 simply not. True some. Are some will do nothing but 1814 01:30:31.439 --> 01:30:34.239 try to figure out how to just not. PAY i 1815 01:30:34.239 --> 01:30:36.399 mean that's the whole of. Them, yeah that's their whole 1816 01:30:36.439 --> 01:30:39.079 goal in the life of. Them but the one they 1817 01:30:39.119 --> 01:30:42.079 all have in common one hundred, percent, man is they 1818 01:30:42.159 --> 01:30:45.479 cap that. Labor so these, guys, well actually this is 1819 01:30:45.520 --> 01:30:48.279 an a warranty company as the engine. Company it's really 1820 01:30:48.359 --> 01:30:50.319 nice they did, that because you're, right most of them 1821 01:30:50.319 --> 01:30:52.840 are like maybe even they say one hundred. Bucks the 1822 01:30:52.880 --> 01:30:55.800 problem is you go to a. Dealership dealership could be 1823 01:30:55.800 --> 01:30:57.880 two hundred and fifty bucks an. Hour oh, yeah you 1824 01:30:57.920 --> 01:31:00.119 go to Like. Kevin i'm not exactly sure where it, 1825 01:31:00.239 --> 01:31:02.680 is BUT i guarantee it's between one hundred and fifty 1826 01:31:02.680 --> 01:31:05.000 and two, hundred maybe even a little. Higher that's just 1827 01:31:05.079 --> 01:31:07.680 what it costs to operate a shop these. Days it's 1828 01:31:07.720 --> 01:31:10.960 not like they're. Outrageous so for these guys to step, 1829 01:31:11.079 --> 01:31:13.600 up that's. Awesome. Man, Yeah i'm so impressed WITH. 1830 01:31:14.039 --> 01:31:16.399 Lkq this is the first Time i've, worked you, know 1831 01:31:16.439 --> 01:31:17.760 any kind of a case that involved. 1832 01:31:17.800 --> 01:31:19.600 THEM i used to buy stuff from them quite a. 1833 01:31:19.600 --> 01:31:21.279 Bit, yeah they have a great, repetition don't. 1834 01:31:21.279 --> 01:31:24.239 They, yeah they're everywhere. TOO i mean they're really a 1835 01:31:24.279 --> 01:31:28.000 pretty big dog in that. Arena, now as far as 1836 01:31:28.000 --> 01:31:30.800 the engines and STUFF i think they. Do i've bought 1837 01:31:30.800 --> 01:31:33.600 in transmissions from them for customers in the, past a 1838 01:31:33.640 --> 01:31:35.840 lot of. THEM i just don't recall ever having any 1839 01:31:35.920 --> 01:31:36.920 real bad issues with. 1840 01:31:36.960 --> 01:31:40.000 Them, well it worked out in this, case and you, know, 1841 01:31:40.239 --> 01:31:42.479 huge thank you, Too. Kevin i'd Share Noto tech for 1842 01:31:42.760 --> 01:31:46.439 babysitting this warranty claim and it turned out really well for, 1843 01:31:46.479 --> 01:31:47.039 everybody you. 1844 01:31:47.119 --> 01:31:50.840 Know i'm trying to think the worst RELATIONSHIP i had 1845 01:31:50.880 --> 01:31:54.039 back in the car business as far as problems with a, 1846 01:31:54.319 --> 01:31:58.560 wholesaler would probably BE i don't want outright say it was, 1847 01:31:58.720 --> 01:32:00.800 junk BUT i had. TO i had a lot of 1848 01:32:00.840 --> 01:32:04.000 problems with parts and us having to do the labor, 1849 01:32:04.039 --> 01:32:06.840 again because you, know we were parts and labor was 1850 01:32:06.920 --> 01:32:09.960 probably Car. QUEST i don't think they're around, anymore but, 1851 01:32:10.079 --> 01:32:12.680 man we would just get like one alternator in after 1852 01:32:12.720 --> 01:32:15.279 another and they're all. DEAD i, mean IF i ordered 1853 01:32:15.319 --> 01:32:17.880 it THROUGH napa and got at least their mediocre line 1854 01:32:17.920 --> 01:32:20.800 or their medium, LINE i just never have any issue like. 1855 01:32:20.840 --> 01:32:24.000 That so there's definitely some cheap ass parts out. There 1856 01:32:24.159 --> 01:32:28.159 BUT i don't remember anything WITH lkq ever going, wrong 1857 01:32:28.560 --> 01:32:31.640 which is a good. Thing any other, updates, sir not right? Now, 1858 01:32:31.920 --> 01:32:33.920 bo you got anything in the hopper over, there? 1859 01:32:33.960 --> 01:32:37.720 Sir, well speaking Of kevin As, sheridan i't tech. 1860 01:32:38.039 --> 01:32:40.319 Got kevin helps out on this show so. Much, yes 1861 01:32:40.479 --> 01:32:43.439 you're a really good. Guy it's. Incredible if you ever 1862 01:32:43.520 --> 01:32:45.439 have a car, problem you need to call us. Here 1863 01:32:45.560 --> 01:32:47.720 kevin gets. Involved we've had a. Lot we were just 1864 01:32:47.760 --> 01:32:51.319 talking about. Warranties we've had ones where the warranty gets 1865 01:32:51.319 --> 01:32:55.359 denied because the shop doesn't quite know how to sell 1866 01:32:55.399 --> 01:32:58.079 it or force it down the. Warranty we'll get it 1867 01:32:58.119 --> 01:33:00.760 over To kevin and he'll somehow get. Cover go, ahead. 1868 01:33:00.800 --> 01:33:00.880 Bo. 1869 01:33:01.159 --> 01:33:03.800 Yeah this call came in actually a long time ago 1870 01:33:03.880 --> 01:33:07.680 On january twenty, fourth at one. Thirty tom was the. 1871 01:33:07.720 --> 01:33:11.880 Host our name Is. Marie this is an interesting. Case 1872 01:33:12.399 --> 01:33:18.319 marie's son lives In, florida and she was he was 1873 01:33:18.359 --> 01:33:21.640 having trouble with the. Car, yeah and she was just 1874 01:33:21.800 --> 01:33:24.520 really concerned about her son being ripped. 1875 01:33:24.560 --> 01:33:26.640 Off how old's the? Kid you? 1876 01:33:26.720 --> 01:33:27.800 KNOW i don't. KNOW i think he was in his. 1877 01:33:28.199 --> 01:33:31.520 Teens OKAYBE i got probab he's, eighteen nineteen years. 1878 01:33:31.560 --> 01:33:34.239 Old so he's there like for college or, SOMETHING i. 1879 01:33:34.279 --> 01:33:35.279 Believe SO i got. 1880 01:33:35.319 --> 01:33:38.119 You so she was going to have the car towed 1881 01:33:38.520 --> 01:33:40.399 From florida here To. 1882 01:33:40.479 --> 01:33:43.720 Colorado oh my, GOD i mean that would cost like 1883 01:33:43.840 --> 01:33:46.279 fifty thousand. Dollars hold, ON i got to take this. 1884 01:33:46.399 --> 01:33:48.920 BREAK i want to see where this is. Going don't 1885 01:33:48.920 --> 01:33:49.760 tell me they did. 1886 01:33:49.800 --> 01:33:58.399 That go with a sure Thing Denver's best roofer excel 1887 01:33:58.520 --> 01:34:01.119 roofing dot. Com you don't pay a cent until you're 1888 01:34:01.199 --> 01:34:07.520 contenth time for an insurance check up, free no. Obligation in, 1889 01:34:07.560 --> 01:34:11.439 comparison Call Compass insurance paying too much your coverage at 1890 01:34:11.479 --> 01:34:14.239 dozens of insurance. Companies find out now three oh three 1891 01:34:14.359 --> 01:34:16.960 seven seven to one. Help you'll think you're his only 1892 01:34:17.039 --> 01:34:19.520 customer when you Choose frank durand the real estate man 1893 01:34:19.560 --> 01:34:22.960 dot com to list your home With Remax alliance three 1894 01:34:23.039 --> 01:34:24.920 oh three nine two zero sixteen twenty. 1895 01:34:24.960 --> 01:34:32.520 Two all, right three oh three seven three eight two 1896 01:34:32.720 --> 01:34:35.600 five five you've been ripped off or taking advantage if 1897 01:34:35.600 --> 01:34:37.119 we want to hear from, YOU, BO i want you 1898 01:34:37.159 --> 01:34:40.520 to finish that story For god's, sake and Then, JULIE i, Promise, 1899 01:34:40.600 --> 01:34:44.239 oh here we go. Landscapers landscapers hits that time of the. 1900 01:34:44.279 --> 01:34:46.319 Year we're going to get to. That But, bo go 1901 01:34:46.359 --> 01:34:50.279 ahead and finish where we left. Off go go. Goes. 1902 01:34:50.399 --> 01:34:55.159 Okay so she was contemplating towing the car. 1903 01:34:55.279 --> 01:34:57.359 Cos. Yeah so she's In, florida. 1904 01:34:56.960 --> 01:34:58.680 Gray to getting ripped off and there's you. 1905 01:34:58.720 --> 01:35:01.600 Know, Well i'm sorry you always. RECAP i thought you 1906 01:35:01.640 --> 01:35:03.319 would do. That the reason we do it is we 1907 01:35:03.399 --> 01:35:06.720 just picked some new. Audience so this woman lived In. Florida, 1908 01:35:06.840 --> 01:35:10.039 no her kid was In, Florida, florida and she wanted 1909 01:35:10.079 --> 01:35:12.840 to tow her car To, colorado. 1910 01:35:12.439 --> 01:35:15.319 Her kid's car To, colorado because she's afraid her kid 1911 01:35:15.319 --> 01:35:17.920 would get ripped off at a mechanic shop with the 1912 01:35:18.000 --> 01:35:20.239 car repair and there was something going on with the 1913 01:35:20.319 --> 01:35:21.880 fuel injection or the intake. 1914 01:35:21.960 --> 01:35:24.560 Manifold it's been a, WHILE i don't remember the. 1915 01:35:24.640 --> 01:35:30.479 Details So kevin helped me zero in on some repair 1916 01:35:30.560 --> 01:35:32.000 SHOP Napa Repair. 1917 01:35:31.760 --> 01:35:33.159 Centers In set he's. 1918 01:35:33.239 --> 01:35:36.159 Affiliated, yes In, Sanford. 1919 01:35:36.359 --> 01:35:37.119 Florida got. 1920 01:35:37.159 --> 01:35:40.239 It SO i Told marie THAT i would call these 1921 01:35:40.279 --> 01:35:43.159 mechanics and kind of vet, them kind of ask them 1922 01:35:43.159 --> 01:35:45.079 the proper questions and look at the. 1923 01:35:45.159 --> 01:35:49.039 Reviews and THEN i Told, marie do not tow the 1924 01:35:49.079 --> 01:35:49.399 car To. 1925 01:35:49.479 --> 01:35:53.359 Colorado, OKAY i, think let, me let, me let me 1926 01:35:53.399 --> 01:35:55.560 intervene just for a, second then we'll finish it. UP 1927 01:35:56.319 --> 01:36:01.039 i cannot imagine there's someone out there that literally, considered 1928 01:36:01.840 --> 01:36:04.720 instead of going to an auto repair shop for having 1929 01:36:04.760 --> 01:36:09.720 their kids go to, it tow a car From florida To. 1930 01:36:09.760 --> 01:36:15.720 COLORADO i have now. Listen i'm not saying she's, dumb 1931 01:36:15.920 --> 01:36:19.520 it's not my intent, here but she is definitely ignorant 1932 01:36:19.880 --> 01:36:23.359 at the cost of, towing towing or even shipping a. 1933 01:36:23.439 --> 01:36:25.920 Car maybe what she meant was put it on a 1934 01:36:25.960 --> 01:36:29.920 transport and get it. Here but to literally tow a 1935 01:36:30.079 --> 01:36:33.960 car From florida would COST i, mean let's just let's 1936 01:36:33.960 --> 01:36:37.119 say what first of, all with THE puc, License i'm 1937 01:36:37.119 --> 01:36:39.840 not even. SURE i don't even know how that works 1938 01:36:39.880 --> 01:36:42.000 going multi, state BUT i assume you can do. 1939 01:36:42.039 --> 01:36:42.159 It. 1940 01:36:42.640 --> 01:36:43.479 Mark you would. 1941 01:36:43.239 --> 01:36:45.479 Probably cost them the tens of thousands to actually have 1942 01:36:45.520 --> 01:36:46.119 a real tow. 1943 01:36:46.199 --> 01:36:47.800 Truck did she ever get a bit on? 1944 01:36:47.840 --> 01:36:50.439 It Bo, oh she was contemplating, it AND i think 1945 01:36:50.479 --> 01:36:52.159 once she figured it, out. 1946 01:36:52.560 --> 01:36:54.600 Thank, god you got. IT i got you got. 1947 01:36:54.640 --> 01:36:57.960 Involved, yes she found a. MECHANIC i gave. 1948 01:36:58.000 --> 01:37:00.520 HER i vetted two of them, out and she did 1949 01:37:00.560 --> 01:37:03.079 get the car, repaired and we saved. 1950 01:37:02.720 --> 01:37:06.479 The troubleshooter show saved her thousands of. Dollars Or i'm 1951 01:37:06.520 --> 01:37:07.600 getting the car towed To. 1952 01:37:07.600 --> 01:37:09.359 Colorado what was the problem with? It do you? 1953 01:37:09.359 --> 01:37:11.560 Remember add something to do with the fuel. 1954 01:37:11.600 --> 01:37:15.119 Injection, okay but it's all. Fixed it's all. Fixed. Man 1955 01:37:15.199 --> 01:37:17.720 three oh three seven one THREE a two five. Five, Hey, 1956 01:37:17.800 --> 01:37:24.960 julie what's going on with this? Landscaper are you. There, 1957 01:37:25.039 --> 01:37:26.359 YEAH i hear, You. Julie what's going? 1958 01:37:26.399 --> 01:37:29.680 On, Oh i'm so. Sorry SO i hired a landscaper 1959 01:37:29.720 --> 01:37:32.520 WHEN i bought this house last, fall her last. SUMMER 1960 01:37:33.640 --> 01:37:37.920 i had him scraped the, yards put in sprinkler system and, 1961 01:37:38.000 --> 01:37:43.079 sod and right at the, beginning the sod was brown and, 1962 01:37:43.119 --> 01:37:45.600 brittle AND i kept complaining and he kept telling, me, 1963 01:37:45.640 --> 01:37:48.520 No i'll take care of, it you, know don't worry about. 1964 01:37:48.560 --> 01:37:54.159 It so as late As, SEPTEMBER i was texting and, saying, 1965 01:37:54.199 --> 01:37:58.800 hey half of this sod is. Dying the sprinkler heads 1966 01:37:58.800 --> 01:38:01.439 aren't hitting where they, to and he kept telling me 1967 01:38:01.439 --> 01:38:02.199 he was going to fix. 1968 01:38:02.239 --> 01:38:06.159 Everything so just one big dab. 1969 01:38:06.239 --> 01:38:09.680 Lawn oh so half of my lawn in the back is. 1970 01:38:09.800 --> 01:38:13.520 Dead he's blaming it on my dogs, now even though 1971 01:38:13.560 --> 01:38:16.920 it's been like. THAT i had him come over On 1972 01:38:17.000 --> 01:38:20.960 monday to restart the system BECAUSE i had paid him 1973 01:38:20.960 --> 01:38:22.760 in the fall to blow it. Out what he saw 1974 01:38:22.880 --> 01:38:24.960 and he went, Down, oh he went down and told 1975 01:38:25.000 --> 01:38:26.880 me THAT i had had somebody else work on it 1976 01:38:26.920 --> 01:38:31.399 because there was no shot off. Valve and when he went, out. 1977 01:38:31.279 --> 01:38:33.800 Hold, On, julie did YOU i mean between, us did 1978 01:38:33.840 --> 01:38:34.399 you have someone? 1979 01:38:34.399 --> 01:38:34.600 Else? 1980 01:38:35.279 --> 01:38:37.479 No BECAUSE i trusted this. 1981 01:38:37.520 --> 01:38:40.279 Person so what does he mean there's no shut off. 1982 01:38:40.319 --> 01:38:42.960 Valve i've never heard of. Such how do you turn 1983 01:38:43.039 --> 01:38:43.720 it off for? Winter? 1984 01:38:44.920 --> 01:38:48.319 Exactly, well so what he had told me was the 1985 01:38:48.399 --> 01:38:50.840 pipe was in the, wall he couldn't access it to 1986 01:38:50.880 --> 01:38:53.239 put off a valve, in so he was going to 1987 01:38:53.319 --> 01:38:54.199 take care of it on the. 1988 01:38:54.239 --> 01:38:55.159 Outside got. 1989 01:38:55.199 --> 01:38:58.960 It and SO i had this weird configuration OF pbc 1990 01:38:59.199 --> 01:39:02.840 pipe for most of the summer and. Fall and THEN i, said, 1991 01:39:02.880 --> 01:39:05.079 hey you, know are you going to do something with 1992 01:39:05.199 --> 01:39:09.479 us BECAUSE i know that it would freeze and he, 1993 01:39:09.520 --> 01:39:12.439 said oh. Yeah SO i paid him to blow out the, 1994 01:39:12.479 --> 01:39:14.800 system and that's WHAT i thought he had. Done so 1995 01:39:14.880 --> 01:39:17.680 when he came Over, monday he told me that there 1996 01:39:17.680 --> 01:39:20.720 had still been water in there and that it was cracked. 1997 01:39:21.880 --> 01:39:22.600 And needed to be. 1998 01:39:22.720 --> 01:39:25.800 Repaired AND i, said, well wait a, second you said 1999 01:39:25.840 --> 01:39:28.920 you had taken care of all, this and he again 2000 01:39:28.960 --> 01:39:34.359 denied any of, that denied that the yard was a 2001 01:39:34.399 --> 01:39:39.279 problem because he had put in substandard, sod and essentially told. 2002 01:39:39.039 --> 01:39:41.199 Me we would just agree give. You, okay let let 2003 01:39:41.319 --> 01:39:43.239 let's just go to the problem at, hand the sod. 2004 01:39:43.279 --> 01:39:48.520 ITSELF i assume the sprinkler, system is it operating now or, no, no, 2005 01:39:48.520 --> 01:39:50.399 No and he's saying he's not going to do it 2006 01:39:50.439 --> 01:39:53.359 because he claims you modified it or you did something to. 2007 01:39:53.399 --> 01:39:55.159 It, yeah THAT i had somebody else worked. 2008 01:39:55.199 --> 01:39:57.840 On who is? It what's the company? 2009 01:39:57.960 --> 01:40:01.199 Name Tyler hornback and he out Of greeley. 2010 01:40:01.159 --> 01:40:04.319 Say it, Again, Hornback Kyler hornbeck. 2011 01:40:04.600 --> 01:40:07.880 Yep and WHEN i went On facebook to write a, 2012 01:40:07.920 --> 01:40:10.960 COMPLAINT i found all kinds of other people who've been 2013 01:40:11.039 --> 01:40:14.000 scammed by this gentleman and can't get. 2014 01:40:14.039 --> 01:40:16.960 Repairs, so but just to be, clear right, now he 2015 01:40:17.239 --> 01:40:19.680 is not turning it back on or getting it running, 2016 01:40:19.720 --> 01:40:23.560 properly realigning the. Heads he's not doing anything with the 2017 01:40:23.680 --> 01:40:27.279 side right all based upon This one your dogs killed 2018 01:40:27.279 --> 01:40:30.720 the side and two you add someone else come out 2019 01:40:30.760 --> 01:40:34.439 and modify the sprinkler system according to. Him yet according to, 2020 01:40:34.520 --> 01:40:36.039 him but you absolutely did. 2021 01:40:36.079 --> 01:40:39.479 Not, NO i. Haven't and my older daughter and her 2022 01:40:39.520 --> 01:40:42.119 wife lived with, me so they can attest that no 2023 01:40:42.159 --> 01:40:43.600 one else has worked on. This and. 2024 01:40:45.199 --> 01:40:47.640 All, right hold, on hold, on hold, On, kelly get 2025 01:40:47.680 --> 01:40:53.000 the phone number To Hornbeck. Hornbach get the phone. Number 2026 01:40:53.039 --> 01:40:54.800 see if we can get him. On i'd like to 2027 01:40:54.880 --> 01:40:57.680 quiz him about what's going on. Here we're going to find. 2028 01:40:57.720 --> 01:40:59.239 Out we're going to get to the bottom of this. 2029 01:40:59.359 --> 01:41:01.239 Story i'm going to put a deputy on it if 2030 01:41:01.359 --> 01:41:03.640 everything is, true and we're going to try to at 2031 01:41:03.720 --> 01:41:06.640 least get her sprinkler system. Done what are your thoughts 2032 01:41:06.720 --> 01:41:09.399 And i'd like to know From dimitri And i'd like 2033 01:41:09.479 --> 01:41:12.319 to know from. Bo i'd like to know your. Thoughts 2034 01:41:12.399 --> 01:41:15.399 though In, suzanne we've had dogs. Forever when it comes 2035 01:41:15.439 --> 01:41:18.439 to sod and, dogs can the dogs take out half the? 2036 01:41:18.520 --> 01:41:19.720 Backyard hold on. 2037 01:41:24.880 --> 01:41:28.520 Go with a sure Thing denver's best Roofer Excel roofing dot. 2038 01:41:28.520 --> 01:41:29.319 Com you don't. 2039 01:41:29.199 --> 01:41:35.720 Pay a cent until you're. Content time for an insurance checkup, 2040 01:41:35.760 --> 01:41:39.560 free no. Obligation in, comparison Call Compass insurance paying too 2041 01:41:39.640 --> 01:41:42.640 much your coverage at dozens of insurance companies find Out 2042 01:41:42.720 --> 01:41:44.880 now three all three seven to seven to one. Help 2043 01:41:45.039 --> 01:41:47.640 you'll think you're his only customer when you Choose frank 2044 01:41:47.720 --> 01:41:50.159 durand the real Estate man dot com to list your 2045 01:41:50.199 --> 01:41:53.319 home With Remax alliance three all three nine two zero 2046 01:41:53.479 --> 01:41:54.239 sixteen twenty. 2047 01:41:54.239 --> 01:42:00.199 Two you Know Jordan piano And studio With us was 2048 01:42:00.319 --> 01:42:03.880 just telling us about one of his favorite, shows and 2049 01:42:03.960 --> 01:42:06.079 that show is Called What You are sixty days in 2050 01:42:06.479 --> 01:42:10.079 sixty days in so these prisons will take someone in 2051 01:42:10.680 --> 01:42:11.279 for sixty. 2052 01:42:11.359 --> 01:42:14.840 DAYS i see so many liability issues with just. THAT 2053 01:42:15.560 --> 01:42:17.920 i don't even know what to think. About but where 2054 01:42:17.920 --> 01:42:21.039 this conversation arrived? From And, JULIE i promise we're going 2055 01:42:21.079 --> 01:42:24.119 back to that. Landscaper i'm just up against the, hour 2056 01:42:24.159 --> 01:42:26.920 but just hold. On here's what drove me. Crazy here's 2057 01:42:26.920 --> 01:42:30.399 where we got. There dmitri started laughing out loud in 2058 01:42:30.399 --> 01:42:32.479 the middle of the, break AND i, said what's so? 2059 01:42:32.560 --> 01:42:34.399 Funny he goes that one. Guy the MORE i think 2060 01:42:34.439 --> 01:42:37.680 about That Fred loyer, letter and what did the guy? 2061 01:42:37.760 --> 01:42:40.359 Say The Fred loyer letter From last HOUR Sec. 2062 01:42:40.239 --> 01:42:43.199 According to the to the, caller he said that the 2063 01:42:43.239 --> 01:42:46.399 insurance claim was denied Because Fred layer wrote in a 2064 01:42:46.520 --> 01:42:51.239 letter that the evidence you presented against our insured is so. 2065 01:42:51.399 --> 01:42:54.600 Overwhelmed it's too. Damning it's too damning that we don't 2066 01:42:54.640 --> 01:42:59.079 even believe it because it's too. Conclusive so we started. 2067 01:42:59.079 --> 01:43:01.920 Talking you could take that letter and you could use 2068 01:43:01.960 --> 01:43:05.079 that letter. Anywhere you could apply that to anything in the, 2069 01:43:05.119 --> 01:43:09.960 world your. Honor there is no way my Client Rob Dad, 2070 01:43:10.079 --> 01:43:13.880 bank it's on. Video you have HIS. Dna he had 2071 01:43:13.920 --> 01:43:17.680 the money in his own. Suitcase there is no way 2072 01:43:17.720 --> 01:43:20.279 with all that evidence that could be. True it's just too. 2073 01:43:20.359 --> 01:43:26.239 Unbelievable it's too. Unbelievable we rest defence. RESTS i, mean 2074 01:43:26.359 --> 01:43:29.199 think about. That it. Is we had this one collar years. 2075 01:43:29.239 --> 01:43:32.760 Ago it was a landscaper and that made me think With. 2076 01:43:32.960 --> 01:43:38.039 Julie the landscaper Was, luna and he had a clause 2077 01:43:38.560 --> 01:43:42.079 at the bottom of his. Contract someone sent me The 2078 01:43:42.199 --> 01:43:45.279 luna clause. Recently i'm going to look for. IT i 2079 01:43:45.319 --> 01:43:47.479 Think i'm gonna find. IT i Think Mike thomas sent 2080 01:43:47.560 --> 01:43:50.479 it to, me The luna. Clause WHEN i read this 2081 01:43:50.520 --> 01:43:53.439 to you and show, you guys The luna, clause this 2082 01:43:53.479 --> 01:43:56.840 will go to proof you can't put anything in a 2083 01:43:56.920 --> 01:44:00.159 contract and expect it to hold. Up WHEN i and 2084 01:44:00.239 --> 01:44:04.399 this was, real this guy literally put the lunar clause 2085 01:44:04.399 --> 01:44:07.600 in his. Contract, JULIE i promise your Next And kathy's 2086 01:44:07.600 --> 01:44:10.960 got props For Joe. Lazari he's one of the best 2087 01:44:11.000 --> 01:44:15.079 ATTORNEYS i. Know and Then patrick has a, comment everybody hold, tight. 2088 01:44:15.720 --> 01:44:19.359 Go with a sure Thing denver's best roofer excel roofing dot. 2089 01:44:19.359 --> 01:44:25.359 Com you don't pay a cent until you're contenth time 2090 01:44:25.399 --> 01:44:29.239 for an insurance checkup, free no obligation comparison Call Compass 2091 01:44:29.279 --> 01:44:32.560 insurance paying too much your coverage at dozens of insurance 2092 01:44:32.600 --> 01:44:35.079 companies find out now THREE o three seven to seven 2093 01:44:35.079 --> 01:44:37.840 to one. Help you'll think you're his only customer when 2094 01:44:37.880 --> 01:44:40.359 you Choose frank durand the real estate man Dot com 2095 01:44:40.399 --> 01:44:43.520 to list your home With Remax alliance three oh three 2096 01:44:43.600 --> 01:44:52.119 nine two zero sixteen twenty Two. 2097 01:44:50.800 --> 01:44:56.199 Rift news you don't have. 2098 01:45:00.039 --> 01:45:03.359 Shoot is gonna help. 2099 01:45:03.640 --> 01:45:09.720 Coming Man dix is The Troubleshooter. Show, No Tom, martine 2100 01:45:13.239 --> 01:45:14.199 all Right folk three. 2101 01:45:14.079 --> 01:45:17.279 Oh three seven one three eight two five five three 2102 01:45:17.359 --> 01:45:20.319 oho Three, Martino i've got good news for everybody out. 2103 01:45:20.319 --> 01:45:23.199 There we're gonna go back to this landscaping call. Immediately 2104 01:45:23.960 --> 01:45:26.920 this poor woman's a, teacher but it brought up something 2105 01:45:27.000 --> 01:45:31.600 during the. Break The luna clause. Waits you hear the 2106 01:45:31.600 --> 01:45:35.479 clause in this landscaper's contract from a call many moons. 2107 01:45:35.479 --> 01:45:39.199 Ago but back To. Julie julie had a landscaper come. 2108 01:45:39.239 --> 01:45:43.760 Out he installed a sprinkler. System he puts sod, In, bam. 2109 01:45:43.880 --> 01:45:47.359 Bam he goes to restart the sprinkler, system and the 2110 01:45:47.439 --> 01:45:49.359 last What. Julie the last couple of. 2111 01:45:49.399 --> 01:45:52.720 Weeks, yeah, no this week actually this, week. 2112 01:45:52.560 --> 01:45:55.359 And he, says, hey you had someone else out here 2113 01:45:55.680 --> 01:45:58.399 working on, it And i'm not going to do anything for. It, 2114 01:45:58.560 --> 01:46:01.880 meantime the side he installs all dead and he's blaming 2115 01:46:01.920 --> 01:46:04.520 it on the. Dog and then he's blaming the sprinkler 2116 01:46:04.600 --> 01:46:07.720 system on somebody that didn't do. Anything he's the one 2117 01:46:07.720 --> 01:46:11.840 that installed, it right, Exactly, kelly you called over to this. 2118 01:46:11.920 --> 01:46:15.079 Guy what what did this guy have to? Say it 2119 01:46:15.239 --> 01:46:15.600 just went to. 2120 01:46:15.680 --> 01:46:16.680 VOICEMAIL i left him a. 2121 01:46:16.680 --> 01:46:19.600 Message is it at least a normal, voicemail like you've 2122 01:46:19.640 --> 01:46:20.720 reached landscaping? 2123 01:46:20.800 --> 01:46:23.520 Company, no it's what it's an automated. 2124 01:46:23.640 --> 01:46:25.960 Voicemail oh, man does this guy have a? Phone did 2125 01:46:26.000 --> 01:46:28.319 you give the phone Number julie To, Kelly. 2126 01:46:28.119 --> 01:46:29.399 Yes, yes, yeah that's. 2127 01:46:29.520 --> 01:46:32.079 Yeah oh, lord that's. It that's. It so do you 2128 01:46:32.119 --> 01:46:35.039 think he's going to call back based upon what you 2129 01:46:35.119 --> 01:46:37.079 know of? Him, Julie, NO. 2130 01:46:37.760 --> 01:46:40.840 I have had Like i've had contact with several other 2131 01:46:41.359 --> 01:46:42.720 people over the last. 2132 01:46:42.760 --> 01:46:43.000 Week. 2133 01:46:43.119 --> 01:46:45.039 Si he this is what he. 2134 01:46:45.119 --> 01:46:46.439 Does he does substandard. 2135 01:46:46.479 --> 01:46:49.119 Work it's the guy's. Name give me the guy's, Name, 2136 01:46:50.479 --> 01:46:51.640 ty what's the company? 2137 01:46:51.720 --> 01:46:56.680 Name Hornback landscaping and situated In Greeley. 2138 01:46:56.560 --> 01:47:01.960 Horn back BAC k, right, yeah Found? Landscaping did you find? 2139 01:47:01.960 --> 01:47:02.039 It? 2140 01:47:02.119 --> 01:47:04.560 Both, OKAY i got the phone. Number kind of verify 2141 01:47:04.640 --> 01:47:05.960 it with you call hold. 2142 01:47:06.000 --> 01:47:07.960 On what is the phone? Number? Julie you give us 2143 01:47:07.960 --> 01:47:09.600 the right one and you tell me if that's what 2144 01:47:09.640 --> 01:47:15.680 you got both go ahead Or, kelly you got it? 2145 01:47:15.760 --> 01:47:16.159 Up what is? 2146 01:47:16.199 --> 01:47:16.479 IT i? 2147 01:47:16.520 --> 01:47:20.439 Do nine seven zero nine seven zero nine six nine 2148 01:47:20.520 --> 01:47:23.279 six six five six five six sixty. 2149 01:47:23.319 --> 01:47:28.960 Five. Listen folks listening are, YouTubers our, listeners our, podcast 2150 01:47:29.039 --> 01:47:31.800 even if it's a couple of days. Later please give 2151 01:47:31.840 --> 01:47:33.960 this guy a call and, say why are you blaming 2152 01:47:34.000 --> 01:47:37.479 everything on your? Customer the sod is? Dead in, FACT 2153 01:47:37.520 --> 01:47:40.159 i want to ask everybody really. QUICK i mean he's 2154 01:47:40.239 --> 01:47:43.600 blaming the sod on the. DOGS i have put sod 2155 01:47:43.680 --> 01:47:46.479 on in Our parker. House we did the side front 2156 01:47:46.479 --> 01:47:49.159 and back and Our Castle rock house we DID i 2157 01:47:49.199 --> 01:47:51.760 THINK i think we did front and back. Too, there, right, 2158 01:47:52.039 --> 01:47:54.239 yeah did we ever have any? Problems we had A 2159 01:47:54.319 --> 01:47:57.359 doberman at the, time the size of a small. Cat. 2160 01:47:57.960 --> 01:48:02.600 Cat female urine will make earned, spots but that Was it's. 2161 01:48:02.399 --> 01:48:04.840 This whole thing dead or are we talking some urine 2162 01:48:04.840 --> 01:48:06.000 spots from the end of the. 2163 01:48:06.000 --> 01:48:08.319 City, no it's like it's about half. 2164 01:48:08.399 --> 01:48:10.920 Dead can you send us a picture of, It, JULIE 2165 01:48:11.039 --> 01:48:13.640 i want to do some free advertising for this guy 2166 01:48:13.680 --> 01:48:16.800 when it comes to. Side, YEAH i absolutely. 2167 01:48:16.880 --> 01:48:21.039 Will And i've been after him since he first put 2168 01:48:21.079 --> 01:48:22.439 it in BECAUSE i used to. 2169 01:48:22.439 --> 01:48:26.239 Do do you have correspondence or text back and forth 2170 01:48:26.279 --> 01:48:31.680 that you can provide us showing it you reached out to? Us, Yes, okay, 2171 01:48:31.720 --> 01:48:34.479 LISTEN i want to build a case against, Him, Julie so, 2172 01:48:34.680 --> 01:48:36.840 Listen i'm going to put you on. HOLD i want 2173 01:48:36.840 --> 01:48:39.000 to see the pictures of, it AND i want to 2174 01:48:39.039 --> 01:48:43.199 see the correspondence dating back and the original invoice if 2175 01:48:43.199 --> 01:48:45.520 you have. It and we're just going to keep going 2176 01:48:45.560 --> 01:48:48.000 after this guy till he does. SOMETHING i, MEAN i 2177 01:48:48.039 --> 01:48:51.079 don't understand why he would basically come out and go 2178 01:48:51.359 --> 01:48:53.319 you had someone else to look at this or do. 2179 01:48:53.439 --> 01:48:56.479 Something So i'm no longer going to touch, it especially 2180 01:48:56.520 --> 01:48:59.720 if we have correspondents, going, hey the sprinkler system's not, 2181 01:48:59.800 --> 01:49:05.840 working the sod is, dying this is hornback. LANDSCAPING i 2182 01:49:05.840 --> 01:49:08.000 would appreciate if you are nice when you. Call in, 2183 01:49:08.000 --> 01:49:10.399 fact that's. It the REASON i do this IS i 2184 01:49:10.439 --> 01:49:12.640 want you to give him a real. Review this helps, 2185 01:49:12.720 --> 01:49:18.119 Owners this will help Mister hornback understand that people are 2186 01:49:18.199 --> 01:49:20.439 talking about him and he doesn't want. That he wants 2187 01:49:20.479 --> 01:49:23.439 to make this. RIGHT i can feel. IT i can 2188 01:49:23.600 --> 01:49:26.680 feel it in my. Gut hornback wants to make this. 2189 01:49:26.920 --> 01:49:32.079 Right nine seven zero nine six six five six six. 2190 01:49:32.279 --> 01:49:36.000 Five just ask him give them a real. REVIEW i 2191 01:49:36.039 --> 01:49:39.439 want to get those, pictures and tomorrow we're gonna post 2192 01:49:39.479 --> 01:49:43.960 the pictures Of Horror. Hornback i'm trying to think of 2193 01:49:44.000 --> 01:49:45.600 a good, name But i'm Gonna i'm gonna watch Where 2194 01:49:45.600 --> 01:49:46.680 i'm Going Hornback. 2195 01:49:46.800 --> 01:49:49.880 Landscaping he may actually call. Back they did put him 2196 01:49:49.880 --> 01:49:53.680 on no no, NO i, said he may actually call. 2197 01:49:53.760 --> 01:49:55.840 BACK i hope he. Does but according to, her there's 2198 01:49:56.000 --> 01:49:57.479 numerous people that have left the. 2199 01:49:57.560 --> 01:50:02.319 Messages, WELL i, understand BUT i left a very interesting 2200 01:50:02.359 --> 01:50:04.640 message for him to call me for a different. 2201 01:50:04.760 --> 01:50:08.600 Purpose oh you did a sneaky. Snake uh, Huh kelly 2202 01:50:08.640 --> 01:50:13.560 doing the sneaky. Snake you know one Time Deputy. Dan 2203 01:50:13.760 --> 01:50:16.720 we were talking About Deputy dan in The luna the lun. 2204 01:50:16.840 --> 01:50:19.159 Clause i'm going to read that in a. Second AFTER 2205 01:50:19.239 --> 01:50:21.199 i go To, kathy BECAUSE i promised her i'd get 2206 01:50:21.199 --> 01:50:23.439 to her and Then patrick's got a. Comment we do 2207 01:50:23.520 --> 01:50:25.880 have two lines open three oh three seven one three 2208 01:50:26.039 --> 01:50:31.039 eight two five five three oh Three. Martino but so 2209 01:50:31.039 --> 01:50:33.439 so had The luna. CLAUSE i just keep thinking. About 2210 01:50:33.880 --> 01:50:37.319 but we had one we pulled A. Kelly i'll call 2211 01:50:37.399 --> 01:50:40.279 To kelly, now So Deputy dan AND. I in, fact 2212 01:50:40.279 --> 01:50:43.279 this one's still On. Facebook it's the video of. Us 2213 01:50:43.600 --> 01:50:46.439 we had a cement. Guy he was going around to 2214 01:50:46.520 --> 01:50:50.239 people doing driveways and he was taking money. Down now 2215 01:50:50.279 --> 01:50:52.680 it's not it's Not. Joey we Got joey and we 2216 01:50:52.720 --> 01:50:55.439 got him thrown in. Jail this was another guy and his, 2217 01:50:55.600 --> 01:50:58.319 son and ALL i remember is in the VIDEO i 2218 01:50:58.359 --> 01:51:01.399 called his home the Third mobile because he lived in 2219 01:51:01.439 --> 01:51:06.199 this nineteen seventy four rambler and him and his kid 2220 01:51:06.239 --> 01:51:09.119 were meth, heads, basically and they ripped all these people. 2221 01:51:09.159 --> 01:51:11.880 Off and he'd never come on, air would never answer 2222 01:51:11.960 --> 01:51:14.159 the phone once he knew who you. Were SO i 2223 01:51:14.239 --> 01:51:17.479 called from a different phone and we randomly picked the 2224 01:51:17.600 --> 01:51:20.279 place In Greenwood village for him to come out and 2225 01:51:20.279 --> 01:51:23.640 give us an, estimate just. Random so me And dan 2226 01:51:23.720 --> 01:51:26.119 show up out of there like we're the. Homeowners we're 2227 01:51:26.159 --> 01:51:29.199 just basically standing on the. Sidewalk we have no association 2228 01:51:29.680 --> 01:51:31.600 or know nothing about. It so they get out of the. 2229 01:51:31.640 --> 01:51:35.359 Turdmobile this thing was The it was like a rolling meth. 2230 01:51:35.439 --> 01:51:37.039 LAB i, Mean i'll just put it for what it 2231 01:51:37.159 --> 01:51:39.319 is and what scared the hell out of. Me AFTER 2232 01:51:39.359 --> 01:51:41.479 i start doing my thing in front of, him like 2233 01:51:41.520 --> 01:51:44.000 why'd you rip him? Off why'd you do? This all 2234 01:51:44.000 --> 01:51:46.199 of a, sudden the shade opens in the back of THIS. 2235 01:51:46.399 --> 01:51:49.000 Rv So i'm yelling at the old, man not yelling at. 2236 01:51:49.039 --> 01:51:51.640 It i'm, like you'll never call us. Back we've gotten 2237 01:51:51.640 --> 01:51:55.600 four people on. You you've taken twenty two thousand dollars over 2238 01:51:55.600 --> 01:51:58.279 the last six, weeks and you haven't showed up to one. 2239 01:51:58.359 --> 01:52:01.920 Job the, sudden this shade opens in the back and 2240 01:52:01.960 --> 01:52:04.680 his head's like it's like some kind of, creature like 2241 01:52:04.720 --> 01:52:08.640 from The Black lagoon or. Something THEN i start hearing 2242 01:52:10.359 --> 01:52:12.840 like he's walking down this tin. Can and WHEN i 2243 01:52:12.880 --> 01:52:14.760 say this thing was old and a piece of, CRAP 2244 01:52:14.800 --> 01:52:17.600 i can't even the WORST rv you've ever seen on 2245 01:52:17.680 --> 01:52:22.199 the side of the road In. Denver this would make look. Good. 2246 01:52:22.439 --> 01:52:26.640 Okay the front door opens and this kid comes out 2247 01:52:26.880 --> 01:52:29.159 AND i, say, kid he's in his, twenties but he 2248 01:52:29.319 --> 01:52:33.359 was this guy's, kid and he's absolutely. Insane he runs 2249 01:52:33.479 --> 01:52:37.640 up and smacks the camera out Of dan's, hands, which 2250 01:52:37.680 --> 01:52:39.479 by the, way was my. Phone SO i was pretty 2251 01:52:39.479 --> 01:52:42.920 irritated at this. Point so we're all. Yelling we're, Like i'm, 2252 01:52:42.960 --> 01:52:46.479 like oh my, god this is escalating so. FAST i 2253 01:52:46.520 --> 01:52:49.600 can't believe. It so the dad actually calmed down the. 2254 01:52:49.680 --> 01:52:52.039 KID i mean it was evident the kids. TWEAKING i, 2255 01:52:52.039 --> 01:52:55.600 mean his eyes are coming. Together the guy's. Nuts he's absolutely, 2256 01:52:55.640 --> 01:52:59.680 insane and we end the video and the end of 2257 01:52:59.680 --> 01:53:01.840 the VIDE i think literally on there you can see 2258 01:53:01.840 --> 01:53:04.119 the camera kind of flying, out but you can still 2259 01:53:04.119 --> 01:53:07.319 hear the audio going, on and we had the cops. 2260 01:53:07.319 --> 01:53:11.880 Coming they took off in the. Turdmobile and my understanding 2261 01:53:11.960 --> 01:53:13.840 is they made. It this was in the tech center 2262 01:53:14.840 --> 01:53:16.800 or this was in GREEN i think it Was Greenwood 2263 01:53:16.840 --> 01:53:21.199 village and they end up In. Aurora they got basically pulled, 2264 01:53:21.199 --> 01:53:23.880 over and my understanding is they haven't been back in 2265 01:53:23.920 --> 01:53:27.319 The states, since so we at least chased them the 2266 01:53:27.359 --> 01:53:30.079 hell out of. Here AND i really do think they 2267 01:53:30.079 --> 01:53:32.760 have not come back To. Colorado AND i don't know 2268 01:53:32.800 --> 01:53:36.199 if they had charges pending for what happened With Deputy 2269 01:53:36.279 --> 01:53:38.800 dan AND i and them assaulting. Us it was all on. 2270 01:53:39.199 --> 01:53:42.159 Video WHEN i say, assault they they literally smacked the 2271 01:53:42.239 --> 01:53:46.479 camera out of, Them so that was. That that's unacceptable. Behavior, 2272 01:53:46.560 --> 01:53:48.439 Mom oh my, god if you saw this meth head 2273 01:53:48.439 --> 01:53:51.640 crack kid in, fact could you actually be hooked on 2274 01:53:51.720 --> 01:53:55.079 meth and crack at the same? Time is that? Possible why? 2275 01:53:55.119 --> 01:53:58.720 NOT i, mean, seriously has anybody known a meth slash. 2276 01:53:58.760 --> 01:54:01.880 Crackhead it's nice to hear a really good tweaker story 2277 01:54:01.880 --> 01:54:03.439 once in a, while more a good tweaker. 2278 01:54:03.560 --> 01:54:07.279 Story, Hey, patrick what is your? Comment, Oh, KATHY i 2279 01:54:07.319 --> 01:54:10.159 am so. Sorry kathy's got props to one of my 2280 01:54:10.359 --> 01:54:12.840 Favorite this always sounds bad when you say, it but 2281 01:54:12.920 --> 01:54:16.359 my favorite criminal defense, Attorney Jola's. ERA i have Known 2282 01:54:16.439 --> 01:54:19.439 joe for so many. Years he is the best guy out. There. 2283 01:54:19.560 --> 01:54:21.279 Kathy how Did joe help? You? 2284 01:54:22.800 --> 01:54:25.880 Hi, mark thanks so much for taking my. Call my 2285 01:54:25.960 --> 01:54:28.199 husband AND i are loyal, listeners and that's how we 2286 01:54:28.239 --> 01:54:29.159 got Onto Jola's. 2287 01:54:29.159 --> 01:54:29.680 ERA i love. 2288 01:54:29.720 --> 01:54:32.680 Them we had need and a real kind of an emergent. 2289 01:54:32.920 --> 01:54:37.840 Matter we needed his, services and it was late close 2290 01:54:37.880 --> 01:54:43.159 of day and late in the. Week he actually spoke with. 2291 01:54:43.319 --> 01:54:48.760 Us we gave him a. Retainer we ended up headed 2292 01:54:48.800 --> 01:54:53.000 to court and then the whole thing was. Dismissed oh, 2293 01:54:53.039 --> 01:54:58.079 wow THAT i was so impressed about is he returned 2294 01:54:58.479 --> 01:55:00.279 almost half of the retain. 2295 01:55:00.479 --> 01:55:03.279 For and he got you, guys why however you want 2296 01:55:03.279 --> 01:55:06.640 to look at? Him all the charge is? Dropped, yeah 2297 01:55:06.960 --> 01:55:10.039 so what's, Funny? Kathy WHEN i, Do i've actually had 2298 01:55:10.079 --> 01:55:13.279 people Go it doesn't matter who you. Know they THEY 2299 01:55:13.720 --> 01:55:16.720 i swear To, god people that don't understand our legal. 2300 01:55:16.840 --> 01:55:20.279 System it means. Everything if there's SOME i can say, 2301 01:55:20.319 --> 01:55:23.600 this if there's some dick that no one, likes like 2302 01:55:23.720 --> 01:55:27.920 literally no one. Likes what happens is the other, judges 2303 01:55:27.960 --> 01:55:31.680 the judges don't like that defense, attorney the das don't like, 2304 01:55:31.760 --> 01:55:35.279 him they don't think anything good about. Him you don't 2305 01:55:35.319 --> 01:55:38.239 want to hire that. Person you want to hire somebody 2306 01:55:38.319 --> 01:55:43.880 Like joe, that for over twenty, years has established relationships 2307 01:55:43.920 --> 01:55:48.000 with every, judge EVERY, da every DA's, office and he 2308 01:55:48.079 --> 01:55:51.039 can he can do better for you than. Anybody And, 2309 01:55:51.119 --> 01:55:52.720 KATHY i think that's what happened to. 2310 01:55:52.720 --> 01:55:56.880 Here, yeah well, THANKS i, mean thank you your. 2311 01:55:56.960 --> 01:55:59.920 Show yeah we heard about him well AND i really 2312 01:56:00.119 --> 01:56:03.600 you appreciate that, You. KATHY i do appreciate, it and people, 2313 01:56:03.680 --> 01:56:06.279 REALLY i, Mean, dimitri did you know that you've heard 2314 01:56:06.359 --> 01:56:09.399 me do those? Spots, Yeah and it would be great 2315 01:56:09.439 --> 01:56:11.800 to Get joe to join us in the studio one 2316 01:56:11.880 --> 01:56:14.399 day to tell us some really fun stories from his. 2317 01:56:14.520 --> 01:56:16.800 JOB i usually get him in what do you, Think 2318 01:56:16.840 --> 01:56:21.159 susan maybe twice a, year and For, lucky he's a busy. 2319 01:56:21.239 --> 01:56:26.479 GUY i love when he comes on right around Between 2320 01:56:26.520 --> 01:56:29.600 thanksgiving And New year's because of The, diui because of The, 2321 01:56:29.680 --> 01:56:31.960 dui because a lot of people out there think of 2322 01:56:32.039 --> 01:56:34.640 what you. Will they have no idea how to react 2323 01:56:34.920 --> 01:56:37.960 to an officer that is either stopping you at a 2324 01:56:38.039 --> 01:56:40.560 checkpoint or one that pulls you over because your tail 2325 01:56:40.640 --> 01:56:43.079 lights out and ask if you've been. Drinking a lot 2326 01:56:43.079 --> 01:56:45.359 of people have no idea what to. Answer let's say 2327 01:56:45.399 --> 01:56:47.199 you were At applebee's and you had a, beer or 2328 01:56:47.239 --> 01:56:48.840 you were out at a steakhouse and you had a 2329 01:56:48.840 --> 01:56:51.600 glass of. Wine it freaks people. Out they have no 2330 01:56:51.680 --> 01:56:54.239 idea what to. Say and when we have them, mind 2331 01:56:54.279 --> 01:56:56.319 you'll find out what to. Say but if you say 2332 01:56:56.359 --> 01:56:58.840 the wrong, thing they can go through your entire. Car 2333 01:56:59.199 --> 01:57:01.720 they can do all all kinds of. Things if you 2334 01:57:01.960 --> 01:57:05.199 open the door to it three oh three seven one 2335 01:57:05.239 --> 01:57:08.439 three a two five Five, Patrick you're next on the. 2336 01:57:08.479 --> 01:57:17.640 Show go with a sure Thing denver's best Roofer Excel 2337 01:57:17.760 --> 01:57:20.359 roofing dot. Com you don't pay a cent until you're 2338 01:57:20.439 --> 01:57:26.079 content than time for an insurance check up, free no. 2339 01:57:26.159 --> 01:57:30.079 Obligation in, comparison Call Compass insurance paying too much your 2340 01:57:30.079 --> 01:57:33.039 coverage at dozens of insurance companies find out now three 2341 01:57:33.119 --> 01:57:35.640 oh three seven seven to one. Help you'll think you're 2342 01:57:35.640 --> 01:57:38.159 his only customer when you Choose frank durand the real 2343 01:57:38.279 --> 01:57:41.279 Estate man dot com to list your home With Remax 2344 01:57:41.319 --> 01:57:44.159 alliance three oh three nine two zero sixteen twenty. 2345 01:57:44.159 --> 01:57:48.199 Two all, right three oh three seven one three a 2346 01:57:48.319 --> 01:57:52.279 two five five nineteen fifty. Six that's when kN H 2347 01:57:52.359 --> 01:57:56.479 Home solutions. Started Cage windowsackam they Have Alpen. Windows now 2348 01:57:56.880 --> 01:57:59.039 you got a nice house up In veil Or aspen 2349 01:57:59.119 --> 01:58:03.399 and uh you want the best high, performance super, insulating 2350 01:58:03.560 --> 01:58:07.840 custom crafted thermally efficient windows or, Doors you got to 2351 01:58:07.920 --> 01:58:10.319 check Out alpen AND k AND h is one of 2352 01:58:10.319 --> 01:58:13.199 their main. Distributors but check them out a khwindows dot. 2353 01:58:13.199 --> 01:58:15.520 Com they also have a beautiful line of, windows of, 2354 01:58:15.560 --> 01:58:21.600 course from different. Manufacturers besides alpen but everything's, durability energy, 2355 01:58:21.640 --> 01:58:26.000 efficient custom fits load and no. Maintenance you get the. Idea, 2356 01:58:26.039 --> 01:58:31.359 also the diamond code siding absolutely. Beautiful provia entry doors 2357 01:58:31.680 --> 01:58:35.000 twenty gage. Steel most other doors are made from twenty 2358 01:58:35.079 --> 01:58:39.640 six but call them up check them Out khwindows dot, 2359 01:58:39.720 --> 01:58:43.079 COM uh THREE o three seven one THREE a two five. 2360 01:58:43.239 --> 01:58:47.520 Five Now patrick has a. Comment, patrick you own a 2361 01:58:48.079 --> 01:58:49.720 landscaping company or what. 2362 01:58:50.840 --> 01:58:53.000 Pat to irrigation? Company and THEN i used to work 2363 01:58:53.039 --> 01:58:55.359 for an organic like lawn care company for a long. 2364 01:58:55.399 --> 01:58:58.880 Time, cool what is your what is your comment On julie's? 2365 01:58:59.319 --> 01:59:01.560 Issue And julie was the one they called up and 2366 01:59:01.600 --> 01:59:04.319 were helping her in the. Background basically she had a 2367 01:59:04.359 --> 01:59:07.479 sprinkler system put, in new side put in and the 2368 01:59:07.560 --> 01:59:09.640 side is half. Dead we're going to get pictures of 2369 01:59:09.680 --> 01:59:12.000 it and see it for. Ourselves but the other thing 2370 01:59:12.039 --> 01:59:16.000 that happened is the guy who installed all this stuff 2371 01:59:16.079 --> 01:59:18.880 came to turn the sprinklers on this year because he's 2372 01:59:18.960 --> 01:59:21.479 the one that turned him off last year FOR i 2373 01:59:21.520 --> 01:59:23.800 think that was part of the purchase. Thing and he, said, 2374 01:59:23.800 --> 01:59:26.079 well this thing's all messed. Up there's NOTHING i can 2375 01:59:26.119 --> 01:59:28.840 do because apparently you've had someone else try to do, 2376 01:59:28.920 --> 01:59:32.359 something and she, says no one else has touched. It go, Ahead, Patrick, 2377 01:59:33.880 --> 01:59:34.680 WELL i. 2378 01:59:34.680 --> 01:59:37.199 Just don't understand how someone else came over there before 2379 01:59:37.239 --> 01:59:40.439 the sprinklers got turned on number, one number two or? 2380 01:59:40.479 --> 01:59:41.680 Why, yeah of, course. 2381 01:59:42.960 --> 01:59:45.520 Where is the shut? Off because when you properly blow 2382 01:59:45.560 --> 01:59:48.039 out a sprinkler, system you have to backflow it through a, 2383 01:59:48.119 --> 01:59:51.279 drain and if you, don't then, yeah things are going 2384 01:59:51.319 --> 01:59:55.359 to break. Outside but another thing, is, well hold, on here's. 2385 01:59:54.960 --> 01:59:57.560 What they, said and THIS i didn't quite dig into, 2386 01:59:57.600 --> 01:59:59.399 it but we're going to get pictures of this as. 2387 01:59:59.399 --> 02:00:04.840 Well when he installed it APPARENTLY i have no idea, 2388 02:00:04.880 --> 02:00:07.640 WHY i honestly, don't but he didn't want to go 2389 02:00:07.720 --> 02:00:11.039 through her dry, wall so he installed some kind of 2390 02:00:11.079 --> 02:00:15.640 hodgepodge OF pvc pipe and other pipes on the outside 2391 02:00:15.640 --> 02:00:18.600 of the. House something. CRAZY i have no, idea but 2392 02:00:18.880 --> 02:00:20.079 we're going to get pictures of. 2393 02:00:20.119 --> 02:00:22.840 It, well the thing is is, like if you can't 2394 02:00:22.880 --> 02:00:25.960 back blow the system back through the house or back 2395 02:00:26.000 --> 02:00:28.119 through a stopping waste which is the ones that are 2396 02:00:28.159 --> 02:00:31.960 in the ground like you know, sixty then you the 2397 02:00:32.000 --> 02:00:33.760 water is going to be in the. System you haven't 2398 02:00:33.760 --> 02:00:36.439 blown it out. Correctly so but the other thing is 2399 02:00:36.520 --> 02:00:39.520 that's that's that's bothering, me is that THERE'S pbc above the. 2400 02:00:39.560 --> 02:00:40.720 Ground, yeah it's crazy. 2401 02:00:40.880 --> 02:00:43.479 Code that is not. Code you can't do. 2402 02:00:43.600 --> 02:00:47.920 That, well a lot of people Simply, PATRICK i get, 2403 02:00:47.960 --> 02:00:49.960 it you do things, Right but there's a lot of 2404 02:00:49.960 --> 02:00:52.000 people that simply don't do things. Right. 2405 02:00:52.079 --> 02:00:57.439 Man, WELL i mean the, Best, well the most important 2406 02:00:57.439 --> 02:01:00.720 part of a blowout is back blowing it through a. Drain, 2407 02:01:00.920 --> 02:01:04.039 yeah and not leaving any water in the. Backflow you 2408 02:01:04.039 --> 02:01:08.159 can leave water in the ground and it won't freeze, Typically, 2409 02:01:08.399 --> 02:01:12.840 yeah but you gotta blow out the water above. Ground 2410 02:01:13.079 --> 02:01:17.800 but you can't USE. Pbc that just shows right, there 2411 02:01:18.439 --> 02:01:18.640 what a. 2412 02:01:18.680 --> 02:01:21.800 Clown i'm gonna be so curious to see these. Pictures 2413 02:01:21.840 --> 02:01:24.159 and we're gonna be talking about this guy. Tomorrow i'm 2414 02:01:24.159 --> 02:01:26.439 gonna see the. Pictures we're gonna get them up on 2415 02:01:26.520 --> 02:01:30.640 our YouTube. Channel BUT i really do appreciate, That. Patrick 2416 02:01:30.720 --> 02:01:33.039 now speaking of, landscapers And i'll hop back to the. 2417 02:01:33.079 --> 02:01:35.920 PHONES i got to read, This luna. Clause we had 2418 02:01:35.920 --> 02:01:38.079 a person call up and they had a horrible time 2419 02:01:38.479 --> 02:01:41.640 with the construction. Company in the name of the, Company 2420 02:01:41.680 --> 02:01:44.840 i'm looking at the. Contract this goes back To april twenty, 2421 02:01:44.960 --> 02:01:51.840 second twenty Twenty Luna landscaping And CONSTRUCTION llc service. Contract 2422 02:01:52.319 --> 02:01:55.800 that's what's at the. Top, now what's. Amazing AND i 2423 02:01:55.880 --> 02:01:58.960 have quoted The luna clause so many times over the. 2424 02:01:59.039 --> 02:02:01.279 Years going to read it to. You it's not that, 2425 02:02:01.439 --> 02:02:03.720 long And i'm going to read it to you. Verbatim 2426 02:02:04.000 --> 02:02:06.159 this is at the end of the. Contract so the 2427 02:02:06.199 --> 02:02:10.039 client signs and Then luna. Signs that's the guy's last 2428 02:02:10.119 --> 02:02:13.600 name at the bottom of the. Contract this goes back 2429 02:02:13.640 --> 02:02:18.079 To luna did not do what the contract. Says the 2430 02:02:18.199 --> 02:02:22.359 contract literally spells out what he's going to. Do luna 2431 02:02:22.560 --> 02:02:26.159 did not do what the contract. Says but when the 2432 02:02:26.239 --> 02:02:31.720 client complained To, Luna luna pointed out The luna clause 2433 02:02:32.119 --> 02:02:34.399 at the end of the, contract Which i'm staring. 2434 02:02:34.439 --> 02:02:35.680 At it's. 2435 02:02:35.760 --> 02:02:38.399 Unbelievable in, fact people are going to Think i'm making it. 2436 02:02:38.479 --> 02:02:43.279 Up it Says please note this contract can be terminated 2437 02:02:43.680 --> 02:02:48.520 at any given time By luna or management if there 2438 02:02:48.560 --> 02:02:55.079 are any alterations that are considered, unacceptable such as, discrimination 2439 02:02:56.079 --> 02:03:01.239 any type of verbal or physical abuse Towards luna or 2440 02:03:01.359 --> 02:03:08.159 workers Of, luna or if the client change mind without prior, 2441 02:03:08.359 --> 02:03:15.199 notice and if he or she refuses the Material luna. 2442 02:03:15.359 --> 02:03:21.399 Use so if you order a stone retaining wall And 2443 02:03:21.560 --> 02:03:26.239 luna wants to use, brick or If luna wants to use, 2444 02:03:26.399 --> 02:03:31.039 mud you better accept it because you are giving up 2445 02:03:31.119 --> 02:03:34.840 your right to not use What luna wants to. 2446 02:03:34.880 --> 02:03:35.119 DO i. 2447 02:03:35.239 --> 02:03:38.800 Digress let me. Finish at the time of breaking the, 2448 02:03:38.880 --> 02:03:44.840 contract deposit that client given will be lost in his 2449 02:03:45.319 --> 02:03:49.239 Entire if CLIENT i love this, last this is the last. Sentence, 2450 02:03:49.319 --> 02:03:51.680 yeah this is the. Best this is the. Best if 2451 02:03:51.760 --> 02:03:59.319 client slash home homeowner Or luna decide to break, contract 2452 02:03:59.720 --> 02:04:05.159 THE pc the percent of money deposit giving The luna 2453 02:04:05.640 --> 02:04:11.039 will not be, returned no, exceptions thank. You so think about. 2454 02:04:11.039 --> 02:04:15.479 This if, client homeowner Or luna decides to break the, 2455 02:04:15.560 --> 02:04:19.800 contract so the guy that wrote the contract decides to 2456 02:04:19.840 --> 02:04:22.680 break the, contract the guy that wrote, It luna gets 2457 02:04:22.800 --> 02:04:25.439 keep all your. Money you don't even have to break. 2458 02:04:25.479 --> 02:04:28.720 It luna can break in doing this is literally a real. 2459 02:04:29.159 --> 02:04:31.359 Thing so when you hear us talk about The Luna, 2460 02:04:31.560 --> 02:04:35.039 agreement where this comes from is you can't simply put 2461 02:04:35.079 --> 02:04:38.520 anything in a. CONTRACT i can't write a contract to 2462 02:04:38.600 --> 02:04:41.560 anybody in this room That i'm going to fix your. 2463 02:04:41.600 --> 02:04:44.880 Car BUT i can use WHATEVER i want to fix. 2464 02:04:44.920 --> 02:04:47.800 IT i can use whatever TIMEFRAME i, WANT i can 2465 02:04:47.880 --> 02:04:51.159 use what every. Parts in, FACT i can consider your 2466 02:04:51.199 --> 02:04:54.239 car fixed IF i look at, it and that's at 2467 02:04:54.239 --> 02:04:56.640 the bottom of the. Contract so then when you pick 2468 02:04:56.680 --> 02:04:59.079 your car up And i've literally done nothing to, IT 2469 02:04:59.319 --> 02:05:02.079 i point to the major clause and, say right there 2470 02:05:02.239 --> 02:05:04.640 at the, bottom you agreed IF i looked at your, 2471 02:05:04.680 --> 02:05:08.039 car then it's, fixed SO i get to keep all your. 2472 02:05:08.039 --> 02:05:10.640 Money all, Right, Well, mark let's not gloss over an 2473 02:05:10.640 --> 02:05:13.800 important fact in that document that you just. Read, yes 2474 02:05:14.239 --> 02:05:16.279 it ends with a thank, you which is a, good, 2475 02:05:16.439 --> 02:05:17.920 polite proper way of doing. 2476 02:05:17.920 --> 02:05:23.840 That La, luna very, polite, lunapolitelite. Lunapolite it sounds like 2477 02:05:23.920 --> 02:05:26.640 la la bricket Or luna. Polite all, right who's up, 2478 02:05:26.680 --> 02:05:33.880 next let's see? Here question on jury? Duty, hey what's your, Question? 2479 02:05:34.000 --> 02:05:36.880 Kenny on jury? Duty, well my. 2480 02:05:36.880 --> 02:05:39.800 Son's twenty years old and he went to uh or 2481 02:05:39.880 --> 02:05:42.239 got a note for jury duty about a month. Ago 2482 02:05:42.279 --> 02:05:45.760 he built up the thing online That i'm in school full, 2483 02:05:45.800 --> 02:05:48.560 TIME i can't be. There then they send back the. Letter, 2484 02:05:48.600 --> 02:05:51.520 okay you got you can only have one, excuse and 2485 02:05:51.560 --> 02:05:54.039 now you've got to Come june. Thirtieth, well he's already 2486 02:05:54.039 --> 02:05:56.039 going to be at a town on vacation and a 2487 02:05:56.079 --> 02:05:59.800 family reunion in a. WEDDING i, mean how DO i. 2488 02:06:01.039 --> 02:06:02.920 Well you, mean how does he straighten it? Out BUT 2489 02:06:02.960 --> 02:06:06.840 i understand your. Question how does? He, HONESTLY i want 2490 02:06:06.840 --> 02:06:09.359 to Ask Joe. LAZARA i, MEAN i don't. Know does 2491 02:06:09.399 --> 02:06:12.640 anybody here are you experts at getting out of jury? 2492 02:06:12.680 --> 02:06:16.479 DUTY i don't know how it. Works, Hey, kelly can 2493 02:06:16.520 --> 02:06:18.800 we try to Get lazara? ON i would like to ask, 2494 02:06:18.880 --> 02:06:21.640 him tell them it's a real quick jury duty. QUESTION 2495 02:06:22.479 --> 02:06:25.359 i didn't even know the. One excuse did you guys know? That, 2496 02:06:25.560 --> 02:06:30.239 No i've heard that. Before excuse have you guys ever been? Called? Oh, 2497 02:06:30.319 --> 02:06:33.439 YEAH i have hold, on hold, on hold, On. Kenny 2498 02:06:33.479 --> 02:06:35.439 we're going to try to get somebody up and then 2499 02:06:35.479 --> 02:06:38.920 bob el em hold. ON i have lived In Douglas 2500 02:06:38.960 --> 02:06:44.880 county since nineteen ninety, three ninety. THREE i have not 2501 02:06:45.640 --> 02:06:52.960 been summoned for jury duty one single time in over thirty. 2502 02:06:53.039 --> 02:06:56.720 Years i'm. Convinced i'm on honest lest your name is. 2503 02:06:56.760 --> 02:06:59.000 ON i Think i've been. Blackballed, YEAH i think you 2504 02:06:59.079 --> 02:07:01.760 don't watch you thirty years? Now why WOULD i be. 2505 02:07:01.840 --> 02:07:06.399 BLACKLISTED i have no criminal Nothing i'll talk about. No i'm, 2506 02:07:06.439 --> 02:07:09.840 KIDDING i have No, no, seriously, SERIOUSLY i have no. 2507 02:07:09.960 --> 02:07:13.439 Convictions god that even sounds. Weird hold, on, Everybody. 2508 02:07:15.439 --> 02:07:19.079 Go with a sure Thing denver's best Roofer Excel roofing dot. 2509 02:07:19.079 --> 02:07:19.920 Com you don't. 2510 02:07:19.760 --> 02:07:26.279 Pay a cent until you're. Content time for an insurance, checkup, 2511 02:07:26.319 --> 02:07:30.399 free no obligation comparison Call compass insurance paying too much 2512 02:07:30.520 --> 02:07:33.439 your coverage at dozens of insurance companies find out now 2513 02:07:33.520 --> 02:07:34.840 three all three seven to seven to. 2514 02:07:34.880 --> 02:07:35.039 One. 2515 02:07:35.159 --> 02:07:38.000 Help you'll think you're his only customer when you Choose 2516 02:07:38.000 --> 02:07:40.520 Frank durand the real Estate man dot com to list 2517 02:07:40.560 --> 02:07:43.600 your home With Remax alliance three oh three nine two 2518 02:07:43.720 --> 02:07:44.800 zero sixteen twenty. 2519 02:07:44.800 --> 02:07:47.800 Two all, Right. 2520 02:07:47.720 --> 02:07:51.239 Paul The waterman waterpros dot. Net he's got a system right. 2521 02:07:51.279 --> 02:07:54.279 Now that was twenty five hundred. Bucks now it's only 2522 02:07:54.399 --> 02:07:57.039 nineteen hundred and ninety, five less than two thousand dollars 2523 02:07:57.279 --> 02:08:01.079 for probably arguably the best waters often are out. There 2524 02:08:01.800 --> 02:08:06.600 it's a computerized. Model it's. Unbelievable it'll actually treat your entire, 2525 02:08:06.680 --> 02:08:09.319 house not just one or two. Showers but think about, 2526 02:08:09.359 --> 02:08:12.159 it better, water, softer. Water it's better for your, skin 2527 02:08:12.239 --> 02:08:15.319 it's better for your. Pipes it's just. Better we got 2528 02:08:15.319 --> 02:08:18.399 a system from, Him my, Goodness, uzanne what was it 2529 02:08:18.439 --> 02:08:21.560 maybe two years, ago a year and a half something 2530 02:08:21.640 --> 02:08:24.039 Like that's a little bit talk about maintenance. Free we 2531 02:08:24.119 --> 02:08:25.800 got to add a little bit of salt to, it 2532 02:08:25.840 --> 02:08:29.520 maybe once every six, months but other than, that it's maintenance. 2533 02:08:29.560 --> 02:08:33.399 Free it works. Perfectly suzanne loves how her skin feels 2534 02:08:33.399 --> 02:08:36.199 and her hair and all. That and, HONESTLY i was 2535 02:08:36.279 --> 02:08:39.720 only happy with the. PRICE i got prices from two 2536 02:08:39.840 --> 02:08:42.319 or three other. Companies paul was half the. Price check 2537 02:08:42.359 --> 02:08:47.199 them out at waterpros dot. Net waterpros dot. Net NOW 2538 02:08:47.359 --> 02:08:51.399 i want to take this comment real quick on who 2539 02:08:51.520 --> 02:08:55.720 is who's on? Two isn't that our? Guy Hey, bob l, 2540 02:08:55.720 --> 02:09:03.000 em what's going on Many? BOB i don't know what 2541 02:09:03.119 --> 02:09:06.039 happened To. BOB i guess we'll just say asta Lavista. 2542 02:09:06.119 --> 02:09:08.760 Bob all, Right, Hey, kenny back to. You on jury, 2543 02:09:08.840 --> 02:09:11.039 duty we found a couple of things. Out ONE i 2544 02:09:11.039 --> 02:09:14.720 couldn't Get joela's err, on but we're actually texting another. 2545 02:09:14.800 --> 02:09:19.399 Attorney But bo found something interesting. Online what county is 2546 02:09:19.439 --> 02:09:22.359 this that your kid has jury duty? In that he's 2547 02:09:22.399 --> 02:09:25.279 trying to postpone because he's going on. 2548 02:09:25.359 --> 02:09:30.640 Vacation, uh, Well, County, okay is your? 2549 02:09:30.920 --> 02:09:34.720 Student is your? Son is the full time student or part? 2550 02:09:34.760 --> 02:09:36.600 Time full? 2551 02:09:36.640 --> 02:09:37.840 Time, WELL i. 2552 02:09:37.880 --> 02:09:38.439 Just looked On. 2553 02:09:38.479 --> 02:09:42.680 Google it says a if you have a current school 2554 02:09:42.800 --> 02:09:46.119 schedule showing that you're a full time, student you can 2555 02:09:46.159 --> 02:09:47.520 get excused from jury. 2556 02:09:47.600 --> 02:09:49.720 Service has he tried? That as he said he's a. 2557 02:09:49.680 --> 02:09:52.039 Full time, student he's not a student in the. 2558 02:09:52.119 --> 02:09:55.279 Summertime, WELL i don't think summer would. 2559 02:09:55.279 --> 02:09:57.600 TOWN i think he's going to go back To kansas 2560 02:09:57.640 --> 02:10:00.159 and work for my family on the farm for three. 2561 02:10:00.319 --> 02:10:03.000 Months he's not even going to be, HERE i. 2562 02:10:03.560 --> 02:10:06.079 Think tell him he's moving out of state for the. Summer, 2563 02:10:06.159 --> 02:10:08.119 yeah why wouldn't you say he's moving out of? State 2564 02:10:08.159 --> 02:10:11.079 then good? Point if he literally. Is i'm not, saying 2565 02:10:11.119 --> 02:10:13.920 don't lie Because, kenny you started. This he was going on. 2566 02:10:14.039 --> 02:10:16.800 Vacation now he's moving out of state to work for the, 2567 02:10:16.880 --> 02:10:19.680 uncle WHICH i don't care. About but don't don't don't 2568 02:10:19.720 --> 02:10:21.479 get into it with the judge like, that. 2569 02:10:22.920 --> 02:10:23.359 Right, right? 2570 02:10:23.439 --> 02:10:24.119 Right, well it's. 2571 02:10:24.119 --> 02:10:26.359 Both that's he's going to go back there for for. 2572 02:10:26.760 --> 02:10:33.279 Work sounds like The luna clause, No, Kenny and. 2573 02:10:33.239 --> 02:10:35.840 There's also a family, reunion and they're all. 2574 02:10:36.359 --> 02:10:39.720 Keep the family reunion in vacation at me and call 2575 02:10:39.840 --> 02:10:42.560 up and, say, Hey i'm. Moving i'm moving to go 2576 02:10:42.680 --> 02:10:47.640 work in. Wherever, Okay, yeah that's WHAT i would. 2577 02:10:47.680 --> 02:10:49.760 Do they can't, stay, well you can't go out of 2578 02:10:49.760 --> 02:10:52.000 state and work because you've got. Jury, dude they can't do. 2579 02:10:52.039 --> 02:10:54.079 That, no but he's not even going to be living. 2580 02:10:54.119 --> 02:10:56.279 Here that's what you got to tell. Him he's literally 2581 02:10:56.319 --> 02:10:58.479 not going to be in the. State don't frame it 2582 02:10:58.560 --> 02:11:01.560 like you started as a vacation and we. Are we 2583 02:11:01.600 --> 02:11:04.720 are Still. Kelly did you reach out To Dan? KAPLIS i. 2584 02:11:04.800 --> 02:11:06.600 Did he hasn't gotten back to me, Yet. 2585 02:11:06.680 --> 02:11:09.680 Okay and then we also reached out To Joe. Lazara so, listen, 2586 02:11:09.720 --> 02:11:12.039 man we'll get an update on it and even talk 2587 02:11:12.079 --> 02:11:14.319 tomorrow if we're on the right. Page but to, me 2588 02:11:14.399 --> 02:11:17.000 it sounds. RIGHT i, mean what boat read about. It if 2589 02:11:17.000 --> 02:11:19.000 you're a full time, student you don't have to. Go 2590 02:11:19.680 --> 02:11:22.319 so let's let we're gonna find. Out so in, Fact 2591 02:11:22.439 --> 02:11:26.079 kelly grab his. Information when we find out one hundred percent, 2592 02:11:26.119 --> 02:11:30.119 affirmively affirmatively from one of our, attorneys we'll go from. 2593 02:11:30.119 --> 02:11:32.600 THERE i do want to SAY i have never been 2594 02:11:32.680 --> 02:11:35.720 chosen in thirty. YEARS i said that, before not one, Time, 2595 02:11:35.920 --> 02:11:37.399 dmitri you ever been Called. 2596 02:11:37.880 --> 02:11:40.680 YEAH i get those jury duty notifications every couple of. 2597 02:11:40.760 --> 02:11:43.399 Years AND i was actually in a jury about, six, 2598 02:11:43.520 --> 02:11:45.039 seven maybe eight years ago In. 2599 02:11:45.119 --> 02:11:49.359 Denver that's absolutely. Incredible NOW i want to talk To Jordan. 2600 02:11:49.720 --> 02:11:52.760 Keano we talked with your dad early this. Morning we 2601 02:11:52.760 --> 02:11:55.840 were running different. Numbers but on these annuities you guys 2602 02:11:55.840 --> 02:11:59.119 sell and folks out, there, listen there's bad annuities out. 2603 02:11:59.119 --> 02:12:01.000 There there's no doubt about. It in, fact we were 2604 02:12:01.039 --> 02:12:04.359 talking about one during our financial. Show listen to. This 2605 02:12:04.880 --> 02:12:07.359 you want to hear a bad. Annuity this guy bought 2606 02:12:07.399 --> 02:12:10.279 an annuity twenty years ago to twenty years, ago twenty years, 2607 02:12:10.319 --> 02:12:14.319 ago sixty thousand. Dollars guess what it's worth right. Now 2608 02:12:14.760 --> 02:12:18.520 the guy's. Not it's. Crazy in, FACT i hate to 2609 02:12:18.560 --> 02:12:20.319 even ask, you a, guest but give a gift case 2610 02:12:20.479 --> 02:12:20.760 well three. 2611 02:12:20.880 --> 02:12:23.640 Hundred based on the context of how you present this, 2612 02:12:24.039 --> 02:12:26.039 STORY i would say it's worth sixty seven and a 2613 02:12:26.079 --> 02:12:26.640 half thousand. 2614 02:12:26.640 --> 02:12:29.960 Dollars that would be. Generous that would be. Generous, yeah 2615 02:12:30.000 --> 02:12:33.279 it would sing me two thousand dollars after twenty. Years 2616 02:12:33.359 --> 02:12:35.760 it was a fixed, annuity meaning it was like point 2617 02:12:35.840 --> 02:12:39.439 zero zero one percent each, year two thousand dollars in twenty. 2618 02:12:39.479 --> 02:12:43.199 Years worst Annuity i've ever heard, about besides ones where 2619 02:12:43.199 --> 02:12:46.600 if you do, die basically your kin doesn't get. Anything 2620 02:12:47.520 --> 02:12:48.520 it's sad to see what's out. 2621 02:12:48.560 --> 02:12:50.399 There and that's why these products that we're talking about 2622 02:12:50.720 --> 02:12:53.319 have not only startup bonuses for anybody who gets in. 2623 02:12:53.319 --> 02:12:55.760 There they get a fifteen percent bonus that's working with them, 2624 02:12:55.880 --> 02:12:58.399 guaranteed but working with them day one in the. Market 2625 02:12:58.439 --> 02:13:00.439 so that means that they get the gains the market's, 2626 02:13:00.479 --> 02:13:03.079 up but when the market comes down or, crashes they 2627 02:13:03.119 --> 02:13:05.119 get to lock those. IN i mean right, NOW s 2628 02:13:05.159 --> 02:13:07.159 AND p five hundreds still hat a negative six percent 2629 02:13:07.159 --> 02:13:07.560 from year to. 2630 02:13:07.640 --> 02:13:10.319 Date people wouldn't have lost. Anything you wouldn't have lost. 2631 02:13:10.359 --> 02:13:12.039 It but if THE s AND p was up twelve, 2632 02:13:12.119 --> 02:13:14.119 percent what would? Happen if you get those, games you 2633 02:13:14.159 --> 02:13:17.720 participate in, it so it goes up notches in doesn't go. Down, 2634 02:13:17.880 --> 02:13:20.199 LISTEN i say this all the. Time don't put all 2635 02:13:20.199 --> 02:13:23.239 your eggs in one, basket but think about this guaranteed 2636 02:13:23.279 --> 02:13:26.399 money when you. RETIRE i always use the. Example NOW 2637 02:13:26.600 --> 02:13:29.079 i love using the fifty year old, example but my 2638 02:13:29.119 --> 02:13:32.319 favorites the twenty two year old ten thousand. Dollars you 2639 02:13:32.359 --> 02:13:35.000 buy an annuity at twenty, two it's worth over a 2640 02:13:35.159 --> 02:13:38.680 million dollars at sixty, five and at seventy it's probably 2641 02:13:38.680 --> 02:13:41.159 one and a half million or. Something. Crazy think of 2642 02:13:41.279 --> 02:13:44.600 leaving your grandson or your kids at, bam a million 2643 02:13:44.640 --> 02:13:47.560 dollars when you retire you're dead in the grave and 2644 02:13:47.600 --> 02:13:50.960 they can actually you're sitting there, going, wow my grandfather 2645 02:13:51.600 --> 02:13:54.159 got it'd be so weird talking about your grandfather when 2646 02:13:54.159 --> 02:13:57.640 you are a. GRANDFATHER i, mean that's. Nuts but think 2647 02:13:57.680 --> 02:13:58.800 of a legacy along those. 2648 02:13:58.840 --> 02:14:01.039 One that's the thing is it's a language of luck 2649 02:14:01.439 --> 02:14:03.439 if you're be able to leave something behind to carry 2650 02:14:03.439 --> 02:14:05.920 that legacy that torched. Forward and this is what people 2651 02:14:05.960 --> 02:14:08.279 need to know is just having your money in areas 2652 02:14:08.279 --> 02:14:09.920 that you don't have to ride the roller coaster. 2653 02:14:09.920 --> 02:14:12.680 Anymore and then with having the long term care where 2654 02:14:12.680 --> 02:14:15.039 that payment each month. Doubles and WHEN i, say you 2655 02:14:15.079 --> 02:14:17.119 get that payment for the rest of your, life the 2656 02:14:17.199 --> 02:14:19.279 second you turn that, on doesn't matter if you turn 2657 02:14:19.319 --> 02:14:21.880 it on at sixty or eighty. Whatever it's built to 2658 02:14:21.880 --> 02:14:23.800 you get a certain amount of money to the day you, 2659 02:14:23.840 --> 02:14:25.439 die even if you live to be one hundred and, 2660 02:14:25.439 --> 02:14:28.359 Twenty god bless. You but if you need long term, 2661 02:14:28.399 --> 02:14:30.359 care and almost all of us at some, point if 2662 02:14:30.399 --> 02:14:33.680 you live long, enough well it. Doubles so think about. 2663 02:14:33.680 --> 02:14:36.039 That that could actually go to pay for someone coming 2664 02:14:36.079 --> 02:14:38.439 into your house or just long term care at a. 2665 02:14:38.479 --> 02:14:42.319 Facility that's, right that's double. Important but it's guaranteed. Money 2666 02:14:42.359 --> 02:14:44.239 i'm not saying you don't have other stuff that might 2667 02:14:44.279 --> 02:14:47.520 grow faster or go down, faster but think of a. 2668 02:14:47.600 --> 02:14:55.800 Guarantee check in that. Mailbox everybody hold. Tight go with 2669 02:14:55.880 --> 02:14:56.199 a sure. 2670 02:14:56.319 --> 02:14:59.720 Thing Denver's Best Roofer Excel roofing dot. 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