Speaker 1: Ripped up.
Speaker 2: News needs who you don't have.
Speaker 3: Come running success as we can show.
Speaker 4: Shooter's gonna help coming man.
Speaker 1: This is the Troubleshooter Show. No Tom Martinez. Welcome my
Speaker 1: friends to the only and I mean that, the only
Speaker 1: show of his kind. We're here to solve problems, answer questions,
Speaker 1: take con place. You've been ripped off. If you just
Speaker 1: need some help, this is the show for you. Over
Speaker 1: three hundred million dollars in cash, merchandise, exchanges, refunds, services
Speaker 1: directly do to this show. Here's the bottom line. You
Speaker 1: got a bad contractor in your life, maybe has not
Speaker 1: finished the job but charged you one hundred percent, or
Speaker 1: you can't see him to find him, maybe he didn't
Speaker 1: do anything. We go after scumbags like that. Maybe you
Speaker 1: got a bad landlord. Maybe you haven't had hot water
Speaker 1: for about a week or two. We have dealt with
Speaker 1: so many of those recently, it's absolutely insane. The scum
Speaker 1: lords have been crawling out of the ditches for some reason.
Speaker 1: It's almost like when it rains real heavy and you
Speaker 1: see those worms just start popping up in a parking lot.
Speaker 1: That's how some of these landlords are now. Listen, there's
Speaker 1: also horrible, horrible, and I mean horrible tenants out there.
Speaker 1: A neighbor of ours, remember Deputy Dave Suzanne or Depity Dave,
Speaker 1: neighbor Dave Ye, my god, he had people living in
Speaker 1: his house in twenty twenty one for a full year,
Speaker 1: not paying one nickel of rent. He couldn't kick him out,
Speaker 1: He couldn't do anything you do. It was ridiculous, and
Speaker 1: he was paying Dmitri. Listen to this, Deputy Dmitri. Imagine
Speaker 1: you're renting out of house and you're renting it out
Speaker 1: for three thousand dollars a month, and your mortgage payment
Speaker 1: on that house is two nine and fifty dollars. He
Speaker 1: was losing cash flow like a mother every single day.
Speaker 1: It was horrible. You couldn't do anything back then.
Speaker 5: Yeah, that's a total definition of inequity, right, Yeah.
Speaker 1: It's crazy. And you couldn't take them to court, You
Speaker 1: couldn't get the sheriff to come out. And on top
Speaker 1: of that, they did some damage. So listen, I pick
Speaker 1: on landlords because recently we have gotten a ton of
Speaker 1: calls on them, But I digress. If you've been ripped
Speaker 1: off and need help, three zero three seven one three
Speaker 1: eight two five five, three zero three, Martina, we're here
Speaker 1: to help in studio with me, Joe Keiano, my Moneymway
Speaker 1: dot Com. We're gonna be talking about guaranteed income as
Speaker 1: we weave that through the show. In fact, Joe and
Speaker 1: I do a show on Sundays. It plays on What
Speaker 1: what is that station, Joe I Free? It's the Freedom
Speaker 1: Freedom hit your mic. Yeah, it's right next to us.
Speaker 1: I can't believe I forget the name of the station.
Speaker 1: That's literally ten feet away. Deputy bow sus County's on
Speaker 1: the other side of the glass, and Shannon, of course
Speaker 1: running at three zero three seven one three eight two
Speaker 1: five five. Let's start with Karen. Hey, Karen, what's going
Speaker 1: on with you?
Speaker 6: Hi there?
Speaker 3: I just want to say thank you for everything you
Speaker 3: guys have done all the years. I started listening to
Speaker 3: your show with my dad and then I kind of
Speaker 3: continued it on, so I appreciate it nice.
Speaker 1: What's going on with this roommate issue.
Speaker 3: Well, my daughter's moved out together and in October and
Speaker 3: within probably less than a month, my daughter met a
Speaker 3: guy she works with and she's pretty much basically moved
Speaker 3: him in and he's stopped paying rent.
Speaker 1: It's just some helped me out here. Is it a
Speaker 1: two bedroom apartment? What are we talking about? A house?
Speaker 1: What is it?
Speaker 3: It's a two bedroom apartment?
Speaker 1: And who lives there? Both of your daughters?
Speaker 3: Yeah, both of my daughters.
Speaker 1: And they pay people fifty to fifty and then one
Speaker 1: of them moved in what seems to be a deadbeat.
Speaker 7: Yeah.
Speaker 3: Yeah, basically he works and stuff like that. He lives
Speaker 3: with his aunt I guess, in the bottom of her
Speaker 3: house and she works with him and all that. And
Speaker 3: he did have also did have a car. Within the
Speaker 3: last three months or so, his car broke down, so
Speaker 3: he's been using her car too.
Speaker 1: Okay, So where are you going though? If she's putting
Speaker 1: up with this, I'll put my doctor Laura had On
Speaker 1: here for a second. I mean, it sounds like your
Speaker 1: daughter's doing everything wrong.
Speaker 3: Well she might, well, my other daughter, they're actual paternal twins,
Speaker 3: but wow, the one, the one daughter has been asking
Speaker 3: the other daughter. You know, since this all started to
Speaker 3: please he doesn't live here. I'm not happy with it.
Speaker 3: I bet you know. I've asked, he's asked him. You
Speaker 3: know that he has his own place. Can you go
Speaker 3: over there? You know?
Speaker 8: She's like, he didn't we didn't.
Speaker 1: You know, it's definitely creating a riff between the sisters. Right,
Speaker 1: Oh yeah, so the one so listen, in that lease,
Speaker 1: most likely there's only two people on it. I assume
Speaker 1: your two daughters both signed the lease equally. Ye yes, okay,
Speaker 1: So that guy really shouldn't live there. Somewhere in that
Speaker 1: lease most likely. Once again, if it's a typical apartment
Speaker 1: in Colorado, it's going to say if you're here more
Speaker 1: than three days, you're not supposed to be here more
Speaker 1: than three days, unless if you're added to the lease.
Speaker 1: So your one daughter that's not liking what's going on
Speaker 1: could simply call up the landlord and say, hey, this
Speaker 1: guy's not on the lease. I don't want him here. Now.
Speaker 1: It's going to create another bigger riff with their sister.
Speaker 1: But if you really want to guy out, that is
Speaker 1: the direction I would go.
Speaker 3: Okay, So I got to look through the lease because
Speaker 3: she couldn't see anything.
Speaker 1: Do you have a copy of the lease?
Speaker 3: I could probably get it from her.
Speaker 9: I would love to get it.
Speaker 1: If you got a copy of the lease, I'll send
Speaker 1: it over to one of our attorneys, die Ball Brad
Speaker 1: O'Brien and he can come back. But most of the
Speaker 1: ones that I've seen, they simply don't want people living there,
Speaker 1: not visiting, but people living there that are not on
Speaker 1: the leaves for a multitude of reasons. I'll give you
Speaker 1: an example. Our daughter is in a apartment with three
Speaker 1: roommates in Wyoming, and they can have guests for three days.
Speaker 1: That's it. After the three days, the guest has to leave.
Speaker 1: And if someone reported someone breaking that the landlord would
Speaker 1: get involved and make sure that person leaves. Go ahead, Dmitri.
Speaker 5: Hey, Karen, what does your daughter, who's involved with this
Speaker 5: winner have to say about this entire situation.
Speaker 1: She's probably halver heels.
Speaker 3: Oh yeah, she says, blinded by love. Yeah, they're in
Speaker 3: a relationship.
Speaker 1: That there.
Speaker 3: You know, it's cool. He you know, he's he helps
Speaker 3: for make dinner and blah blah blah and all this.
Speaker 3: She just thinks that. In my other she said, my
Speaker 3: other daughter is just jealous because she has a boyfriend.
Speaker 3: It's just a bunch of you know, it's just yeah, there's.
Speaker 1: You know, have you met the guy. Let's let's dig
Speaker 1: into this part of it. Have you met the guy?
Speaker 1: You yourself?
Speaker 3: I did, Yeah, I did briefly meet him a pretty
Speaker 3: nice guy at first, you know what I mean, But
Speaker 3: it's just not cool what he's doing.
Speaker 1: And you're saying because he's not chipping in, is what
Speaker 1: you're saying is not cool?
Speaker 3: Well and then also they didn't They barely just got
Speaker 3: moved out. They didn't even have boxes put away, and
Speaker 3: he was already there.
Speaker 1: And I was just like, she sounds like he's quick.
Speaker 5: Is the problem is the problem that your other daughter,
Speaker 5: who's the bystander in this relationship? Is her problem? That
Speaker 5: the guy just spends too much time at this apartment?
Speaker 1: And if so, I'm living there?
Speaker 5: Well no, she Karen just said, he's living with his
Speaker 5: aunt in some basement.
Speaker 3: Well yeah, well he that's where he normally live. That's
Speaker 3: where you know, that's pretty stay.
Speaker 1: Where he lived. How long has he been living here?
Speaker 3: Well, he goes home like one time a week, so he.
Speaker 1: Basically lives there, I mean, no matter how we look.
Speaker 3: Yeah, I mean she's spending every night there.
Speaker 1: Yeah, she just needs to get more aggressive on getting
Speaker 1: them out. But what I what I really do wonder though,
Speaker 1: is ultimately what might happen is the one daughter decides
Speaker 1: to move in with him if he can't live there
Speaker 1: with her.
Speaker 3: Well, I don't think it's just horrible.
Speaker 1: I guess I really want to know this, Karen, And
Speaker 1: it really doesn't matter what anybody thinks. But I'm curious
Speaker 1: what you think. Is this kind of a moral dilemma
Speaker 1: for you? Is that why you're getting involved in it?
Speaker 8: Yeah?
Speaker 3: Well, my one daughter, Devistanders, she just wants to know
Speaker 3: what her Wow, she can get him out, she can tell.
Speaker 1: Him to get the hell out. Quite frankly, I don't
Speaker 1: know why she couldn't tell him to get out.
Speaker 8: But she's did.
Speaker 3: And my other daughter's like, you have no say though,
Speaker 3: you can't say anything.
Speaker 1: Yeah, but that's all going to go to the lease.
Speaker 1: If she has a conversation with management, she should walk
Speaker 1: up to the leasing department or walk up to the
Speaker 1: the front or whatever's going on in that apartment wherever
Speaker 1: there's people, and say, hey, i've got a problem. This
Speaker 1: guy is not on the lease and he will not
Speaker 1: leave when I ask him to leave. Just get assertive
Speaker 1: if you really want to get rid of him, get assertive.
Speaker 1: That's what she's gonna do.
Speaker 3: That's what I told her to do, and so hopefully
Speaker 3: that's you know.
Speaker 1: What, Let's do this hold on, do me a favor.
Speaker 1: Hold on, Karen Kelly, let's get Brad O'Brien on. Let's
Speaker 1: just ask him in general how this works. We're not
Speaker 1: talking about a house. It could have some strange lease.
Speaker 1: I mean, let's think about this. So it's much more
Speaker 1: complicated than that. Well, I don't think it's complicated at all.
Speaker 1: I think it's a regular lease for an average apartment
Speaker 1: and you can't move in people that aren't on the lease.
Speaker 5: On the surface, of course, that's correct, But there is
Speaker 5: an even bigger issue, which is the family relationship between
Speaker 5: these two ladies that's in the apartment.
Speaker 1: That's not why she's calling, though. She's calling to see
Speaker 1: what her one daughter's rights are and getting this guy out.
Speaker 5: Yeah, and what you just said clear indirectly addresses that.
Speaker 5: But let's say the bystander daughter is successful in evicting this.
Speaker 1: Guy, and they can create a huge riff.
Speaker 5: Yeah, and what's it going to be like to live
Speaker 5: with this woman who probably thank god?
Speaker 1: Yeah? So what is so, Karen?
Speaker 5: What is the I mean, whatever you do, it's gonna
Speaker 5: have pretty terrible consequences. What is the ideal resolution to this?
Speaker 5: Can your bystander daughter move out? On her own, and
Speaker 5: then this guy will assume her release.
Speaker 1: They're not gonna have the assumption.
Speaker 3: I don't even know if that guy's gonna even want
Speaker 3: to do that. And I mean.
Speaker 1: I mean, do you think this guy's around, Karen? Do
Speaker 1: you think this guy's around for a while? Hold on,
Speaker 1: we're getting Brat O'Brien up right after this three oh
Speaker 1: three seven two five five, Dimitri, I agree with you,
Speaker 1: but I mean, what do you do about it? I mean, really,
Speaker 1: honest to god, if we got that in depth into
Speaker 1: every problem that came in, that's kind of crazy, don't
Speaker 1: you agree?
Speaker 5: I agree with that, But it seems like the easiest
Speaker 5: solution creates the least amount of long term friction is
Speaker 5: to have this guy replace the bystandards, I don't think.
Speaker 1: Either of the daughters could live on their own here.
Speaker 1: In other words, financially, let's ask Karen, Karen, we gotta
Speaker 1: break holl it kick.
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Speaker 1: Now I'm going to go to Brad O'Brien. Hey, Brad,
Speaker 1: I've got a couple questions for you. First of all,
Speaker 1: do you have a good weekend?
Speaker 8: Man?
Speaker 1: How are you doing today, sir?
Speaker 10: Good fie?
Speaker 11: How about you?
Speaker 1: I had a good weekend?
Speaker 12: Man?
Speaker 1: We really did let me ask you something. So I'm
Speaker 1: assuming I don't have a copy of the least. But
Speaker 1: it's an apartment complex. We're not talking like a private
Speaker 1: home or anything. It's in Colorado. There's two dolls. The
Speaker 1: mother is the one on the phone with is. Her
Speaker 1: name's Karen, and they moved in together, and they're both
Speaker 1: on the lease at this apartment, so I'm sure they're
Speaker 1: both financially responsible one hundred percent for it. One of
Speaker 1: the daughters has moved into her boyfriend. Now, listen, I
Speaker 1: understand you don't have the lease to look at. So
Speaker 1: what I'm asking and we're going to try to get
Speaker 1: the lease. But what I'm asking you to do is
Speaker 1: imagine it's a normal lease for an average apartment in Colorado.
Speaker 1: However that looks, I'm sure you've seen a ton of them.
Speaker 1: But she moved a boyfriend in and he's been there
Speaker 1: on and off for a period of time. In fact, Karen,
Speaker 1: how long has he been there? I realize he goes
Speaker 1: home once a week, but how long has he been
Speaker 1: basically camping out at dis place.
Speaker 10: Since?
Speaker 3: Pretty much about the beginning of November.
Speaker 1: Okay, so you know whatever, four or five, six months whatever.
Speaker 1: So Brad, the one daughter is sick and tired of it,
Speaker 1: doesn't want the guy there, I said, most likely somewhere
Speaker 1: in that lease there's probably a provision saying you can
Speaker 1: have a guest for up to three days or whatever
Speaker 1: it is, or have family over, but you can't simply
Speaker 1: have someone else move in. And my suggestion was she
Speaker 1: goes to the landlord or goes to the property management
Speaker 1: and basically tells them straight up, this guy's there all
Speaker 1: the time. He's living there six seven days out of
Speaker 1: the week. I want him out. I mean, what is
Speaker 1: your opinion on this without seeing the lease?
Speaker 10: Well, first question is has this guy established a tendency there?
Speaker 10: And that's the question of fact. You know, does he fable,
Speaker 10: does he does he maintain a residence somewhere else? Is
Speaker 10: it just occasional enough that he has an established residency.
Speaker 10: If he's established residency, then he's entitled to do process,
Speaker 10: you know, as far as addiction goes, otherwise, you could
Speaker 10: next time he shows up, if he's not really a
Speaker 10: tenant there or has no tendency, you could just let
Speaker 10: him in.
Speaker 1: Well here's the problem. Yeah, but hold on, Brad. The
Speaker 1: one girl is dating them and wants them there. The
Speaker 1: one sister, the other sister doesn't want him there, and
Speaker 1: both sisters are equally on the lease.
Speaker 10: Are these are these two daughters adult? Eighteen and other
Speaker 10: or yeah?
Speaker 1: I'm sure how old are they?
Speaker 10: Care?
Speaker 1: And just roughly twenty as well?
Speaker 3: They're twenty four.
Speaker 1: Okay, and they're twins. I mean they're twins, Brad, which
Speaker 1: makes this crazy. So the one, just to clarify, the
Speaker 1: one daughter does not want a guy there, the guy
Speaker 1: date or the girl dating on the sister dating the
Speaker 1: guy does want him there.
Speaker 10: So so both daughters and the mother live there, and
Speaker 10: all of them are on the lease.
Speaker 1: No mother, just two daughters on the guy. They kind
Speaker 1: of moved in and the guy is not on the lease.
Speaker 1: The guy is not on the lease.
Speaker 10: Okay. Yeah, I was thinking for a second about whether
Speaker 10: if they if they both didn't want the guy there,
Speaker 10: then they could actually vict him as as sub landlords.
Speaker 10: And he's a subtenant. But because one of the tenants
Speaker 10: actually wants him there and giving him permission to be there,
Speaker 10: then not what the other tenant can do about it
Speaker 10: directly but indirectly, Yeah, go to the landlord. It's going
Speaker 10: to cause trouble with the landlord maybe evicting all of them.
Speaker 1: It's gonna cost, it's going to cause trouble with the
Speaker 1: two sisters and the whole family dynamic and everything else.
Speaker 1: But I mean, if they really want this guy out
Speaker 1: of here, So what you're saying is you would go
Speaker 1: to the landlord the management company and basically say, hey,
Speaker 1: I want this guy out. He's not on the lease
Speaker 1: and I am on the lease and I don't want
Speaker 1: him there, and they would have to do the eviction
Speaker 1: if he is basically a resident there. Now is he
Speaker 1: a resident? How do you define that, brad Well?
Speaker 10: No, the tendancy only really well, okay, between between the
Speaker 10: three people there on the landlord, only the two daughters
Speaker 10: are on the lease are tenants. Yeah, right, And so
Speaker 10: the landlord can can't evict the guy who's not on
Speaker 10: the lease. They can't evict any other two girls.
Speaker 1: Wait a minute, Wait a minute, you're saying and he
Speaker 1: would have to evict all three. Did you just say that?
Speaker 10: No, No, no, no, I'm not saying that. Honestly, the opposite.
Speaker 10: That landlord can actually evict the one person who's not
Speaker 10: on the lease.
Speaker 1: But it's still a normal eviction process. In other words,
Speaker 1: it's still going to take a month or whatever.
Speaker 10: Right now. The landlord might may be very unhappy about
Speaker 10: this situation of having into in her attorney fees, may
Speaker 10: try to charge it back to the two tenants who
Speaker 10: are on the lease. Yep, and maybey threw up his
Speaker 10: hands and vict all of them just because of not
Speaker 10: being happy with the situation.
Speaker 1: And they could and in the landlord most likely could
Speaker 1: probably do that because in the lease you're supposed to
Speaker 1: report someone else living there. In other words, they broke
Speaker 1: the lease.
Speaker 10: Yeah, most leases will say something like you can't have
Speaker 10: somebody who's not on the lease move in, so that
Speaker 10: would be a breach of the lease warranting addiction of
Speaker 10: everybody from the premises.
Speaker 1: Karen, do you have any questions for our attorney Brad O'Brien.
Speaker 3: No, I kind of thought's kind of all those things.
Speaker 3: I was thinking. I just kind of wanted to get well.
Speaker 12: My daughter that is not happy about the situation.
Speaker 3: She's tried to talk to her sister. They're already at odds.
Speaker 1: Yeah, she's she's in love.
Speaker 3: Oh yeah, and it's it's just irritating. And she's tried to,
Speaker 3: you know, say stuff, and she's like, well, she's a guest.
Speaker 3: He's a guest. But she's like, no, he's sleeping here
Speaker 3: every night.
Speaker 1: Yeah.
Speaker 3: So I just wanted to see I did have I
Speaker 3: did find a copy of the leaf. She did send
Speaker 3: it to me in a PDF form.
Speaker 1: Yeah, there's somewhere in that lease. I bet money on it,
Speaker 1: and I would like you to send it to us,
Speaker 1: and I can send it off to Brad. Brad, would
Speaker 1: you mind just looking at it or eyeballing it for
Speaker 1: a minute if we send it over.
Speaker 10: Even if it doesn't say you can't have guests longer
Speaker 10: than a certain you still can't. If a person's nose,
Speaker 10: they have the right and they can be convicted.
Speaker 1: Yeah, which is which is the way it should be.
Speaker 1: Quite frankly, I have a question for Brad.
Speaker 6: Go ahead, So, Brad, regarding this situation, the daughter that
Speaker 6: the bystander daughter, can she do a sub eviction and
Speaker 6: hand this boyfriend over a ten day notice herself without
Speaker 6: getting the landlord involved.
Speaker 10: Well, that's what I first thought about. What you have
Speaker 10: is a fifty fit in handoff because you.
Speaker 1: Have the other one wants her there, one give you.
Speaker 10: Permission and the other saying you don't have permission.
Speaker 1: And because they're equal on the lease. Basically, Brad, you're
Speaker 1: saying that you know ones that one can't outshine the other.
Speaker 10: Yeah, that's an impasse, right, got it.
Speaker 1: Okay, that's a good question, though, Bo, that's a really
Speaker 1: good question. Yeah, all right, So Karen, Hey, Brad O'Brien.
Speaker 1: By the way, this guy's great. If you're a landlord
Speaker 1: out there and have not had your lease looked at,
Speaker 1: uh in a while, there's been so many rule changes
Speaker 1: in Colorado, please get that. Yeah. In fact, both can
Speaker 1: attest to it. He's got numerous rental properties that can
Speaker 1: become a mess. You don't want to get to the
Speaker 1: point where you can't actually get rid of a tenant
Speaker 1: because your lease isn't good. And then if you have
Speaker 1: a commercial property, Brad can look at it. But he
Speaker 1: works both sides. He can do everything. Tenant landlord, commercial
Speaker 1: residential seven two zero three seventy seventy three eighty eight
Speaker 1: landlords give him a call, Brad, I appreciate you coming on.
Speaker 1: Chances of us needing you again are probably pretty high.
Speaker 1: Three O three I'm sorry, bred O'Brien seven two zero
Speaker 1: three seventy seventy three eighty eight. Karen, just in closing,
Speaker 1: you know what's kind of sad about this is where
Speaker 1: Dimitri was going. This can kind of, you know, break
Speaker 1: up a family for a little bit. I wonder do
Speaker 1: you do you consider the one daughter and I'm just curious,
Speaker 1: do you consider him kind of naive when it comes
Speaker 1: to this new guy in her life. Did he just
Speaker 1: come in and sweep her off her feet? Is it
Speaker 1: her first boyfriend? I'm just curious why this why you're
Speaker 1: not happy and the sisters not happy because apparently you
Speaker 1: guys see something that she is not seeing in this guy.
Speaker 3: This is kind of something she does. She and she
Speaker 3: just broke up with a guy for over a decade,
Speaker 3: oh wow, since she was sixteen, and every about every
Speaker 3: six months she'd end up on our our front porch
Speaker 3: with a couple of black bags because he would kick
Speaker 3: her out.
Speaker 1: Wow.
Speaker 3: And so she just.
Speaker 1: Kind of used to She's kind of used to getting
Speaker 1: abused I mean, really, that's what it sounds like. And
Speaker 1: I don't necessarily mean physically, but you know, yeah, what's
Speaker 1: this current guy, like, what's his situations? You have a job?
Speaker 1: What kind of job?
Speaker 3: Yeah, he has a job. They both work, they actually
Speaker 3: work together. He seemed somewhat responsible.
Speaker 1: It's good.
Speaker 5: What's the drug and alcohol situation?
Speaker 4: Like?
Speaker 1: In reference to this.
Speaker 3: Call, No, they don't, neither one of them do.
Speaker 1: Hey, let me tell you, she could be in a
Speaker 1: lot better shape than a lot of people out there.
Speaker 1: I mean, oh, yeah, you know, that's just kind of
Speaker 1: the way it is. But I don't like that first one.
Speaker 1: For a decade of kind of this abusiveness of get out,
Speaker 1: and she shows up with the bags, It's like she
Speaker 1: probably puts up with a little more than she should.
Speaker 8: Yeah, she does.
Speaker 3: And the other daughters, they finally they're you know, since
Speaker 3: their sisters, they've never really lived together and since she
Speaker 3: broke up with the guy.
Speaker 1: Wait a minute, did they not grow up together under
Speaker 1: your house? Okay, come in without you, without you there
Speaker 1: to tell them what's going on? Yeah, Well the one, hey, Karen,
Speaker 1: is the other one assertive? If I was looking at both,
Speaker 1: is one way more assertive? The one that's not dating
Speaker 1: the guy.
Speaker 3: The one that's dating the guy is more of the bully.
Speaker 1: Okay, interesting, Yeah, all right, well listen. If you have
Speaker 1: any more questions, feel free to call back or to
Speaker 1: reach out. You can always email us, you or anybody
Speaker 1: else at help at troubleshooter dot com. Yvonne, I'm dying
Speaker 1: to hear your comment on this, but I have to
Speaker 1: take this break. Three zero three seven one three eight
Speaker 1: two five five. You've been ripped off or taken advantage
Speaker 1: of Get on that phone now. I want something to
Speaker 1: sink my teeth.
Speaker 4: Intwo go with a sure thing Denver's best roofer Excel
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Speaker 4: at dozens of insurance companies find out now three oh
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two.
Speaker 1: All right, three oh three seven one three eight two
Speaker 1: five five waterpros dot net. I talked to Paul the
Speaker 1: Waterman this morning. He had a special last year in
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Speaker 1: house century to smart computer water softener. He's dropping that
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Speaker 1: did our system probably a year and a half. AGO
Speaker 1: i absolutely love. It suzanne loves it waterpros dot. Net
Speaker 1: Now i'm anxious to get to this comment On karen. Situation,
Speaker 1: yvon what is your comment on The karen two daughters?
Speaker 13: Situation why don't the boyfriend and the girlfriend get, married
Speaker 13: either rent a place on their, own whether it be
Speaker 13: a room rent or an, apartment or buy a home
Speaker 13: together and then have the sister get a new.
Speaker 1: Roommate, well that'd be. Great the landlord would have to do.
Speaker 1: THAT i would assume right now that the second daughter
Speaker 1: that's dating this, guy if she moved, out that would
Speaker 1: put the entire rent burden on her. Sister but yet
Speaker 1: they're both responsible for. It the landlord will probably end
Speaker 1: up going after both of them if they can't afford the.
Speaker 1: Rent SO i mean that that would create a pretty big.
Speaker 13: Issue, Yvonne, well if they get if she gets a
Speaker 13: new roommate and she has a, commitment and then they
Speaker 13: just change the lease into the, Sister.
Speaker 1: AND i would, think AND i agree with, you if
Speaker 1: if the new roommate had good credit and, STUFF i
Speaker 1: would agree with you that that probably is possible to.
Speaker 1: Happen i'm not quite sure why they don't work towards,
Speaker 1: that but let's Ask karen real. QUICK i don't mind doing.
Speaker 1: That hold, On, So, karen what do you think Of
Speaker 1: yvonne's idea where maybe she gets a place with this
Speaker 1: guy and then you guys try to find another roommate
Speaker 1: for your other.
Speaker 3: Daughter, yeah she just met this, guy so getting married
Speaker 3: is kind of that's that's a little that's a little.
Speaker 1: Quick, yeah that's a little. Quick but maybe even just
Speaker 1: move in. Together maybe the getting married right now is
Speaker 1: a little, crazy but, YEAH i mean just moving in.
Speaker 1: Together if they want to live, together why, Not.
Speaker 3: That's WHAT I i, WELL i my other. DAUGHTER i
Speaker 3: don't know if she could find a roommate that.
Speaker 1: Quickly, yeah it is, Hard there's no doubt about. It
Speaker 1: how much is the? Rent and Then i'm GONNA i
Speaker 1: got to drop this? Call but how much is? It i'm?
Speaker 3: Curious it's about fifteen.
Speaker 1: Hundred, yeah, okay that's actually you mean per person or,
Speaker 1: both per?
Speaker 10: Both?
Speaker 1: Yeah, okay that's, cheap isn't?
Speaker 12: It?
Speaker 1: Super that's dirt. Cheap all? Right, Hey, KAREN i do
Speaker 1: appreciate the. Call we are going to forward that lease
Speaker 1: over To brad. O'Brien he's going to eyeball. It i'm
Speaker 1: not sure if there's anything to really follow up, on
Speaker 1: but if there's something in that lease that is pertinent
Speaker 1: to the entire conversation we've, had we'd like To we'll
Speaker 1: have someone reach back out to. You three oh three
Speaker 1: seven one three eight five. Five we're gonna have lines.
Speaker 1: OPEN i would love to hear from, you a bad
Speaker 1: contractor bad, landlord any problem you. Have maybe something's brewing
Speaker 1: and we can help you before there is a. Problem
Speaker 1: three zero Three, martino three oh Three. MARTINO i want
Speaker 1: to talk to Uh Joe keano my, Money myway Dot. Com,
Speaker 1: joe we talk all the time about your. Product i'm
Speaker 1: Gonna i'm gonna put. It in, FACT i want You.
Speaker 1: Dmitri you're good at kind of picking things. Apart so
Speaker 1: you you literally get a fifteen percent bonus on this
Speaker 1: annuity That joe. Sells, okay and you you actually sell
Speaker 1: different ones depending on what's going. ON i, mean he's
Speaker 1: gonna find the right. One but for someone my, age
Speaker 1: the one that makes sense to, me you get a
Speaker 1: fifteen percent. Bonus let's take easy. Numbers million dollars right,
Speaker 1: now you have one, million one hundred and fifty thousand
Speaker 1: to work for that, money right. There, yeah from day, One,
Speaker 1: joe that. Money think of, this, Man i'm fifty. Three
Speaker 1: let's Say i'm gonna retired. Seventy so you got one,
Speaker 1: million one hundred and fifty. Thousand even though you only
Speaker 1: bought the annuity for a. Million you can borrow from.
Speaker 1: It so IF i needed in this scenario one hundred thousand,
Speaker 1: DOLLARS i could borrow one hundred thousand from. It this,
Speaker 1: year one hundred thousand from it next. Year you can
Speaker 1: borrow up to ten, Percent so you can borrow from
Speaker 1: it if that cash is need ten percent of what
Speaker 1: well value the value.
Speaker 14: Value, okay but you don't have to borrow, it, Mark,
Speaker 14: yeah you can just withdraw.
Speaker 1: It, yeah you can take it, out they, can but
Speaker 1: you can put it back in if you.
Speaker 9: Want if you want, to, yes but you don't have.
Speaker 1: To, yeah but if it was inside of a retirement,
Speaker 1: fund you'd probably want to take it back before you're,
Speaker 1: retired right. Exactly, yeah But i'm saying you do have
Speaker 1: access almost like a four oh ONE, k you can
Speaker 1: borrow from.
Speaker 14: It, yeah but the thing is a four oh ONE
Speaker 14: k has an interest rate that you got to pay
Speaker 14: on the.
Speaker 9: Loan this is not a. Loan, YEAH i guess it a.
Speaker 1: Withdrawal but you can put it. Back you can put it,
Speaker 1: back and you can do that with how.
Speaker 14: Penalty it's better than borrowing the money from a four
Speaker 14: a one.
Speaker 1: Game where you pay the. Entrance so so let's say
Speaker 1: that thing sits for seventeen, years, okay And i'm using
Speaker 1: numbers that they ran on, Me so that sits for seventeen,
Speaker 1: years AND i decide, Okay i'm going to retire and
Speaker 1: start taking the. INCOME i will get a check every
Speaker 1: month till the DAY i, die no matter. What and
Speaker 1: that check is going to be upwards of about fourteen
Speaker 1: thousand a month IF i ever Need, so what is
Speaker 1: that a? Year that's like one hundred and sixty a.
Speaker 1: Year Hundred, Yeah so in, FACT i think mine was
Speaker 1: actually more like one hundred and seventy something a. Year that's,
Speaker 1: Right but the numbers are what the numbers. Are SO
Speaker 1: i get one hundred and seventy thousand dollars a. Year
Speaker 1: then IF i fall, ill IF i can't feed, myself
Speaker 1: IF i need long term, care that literally doubles till
Speaker 1: the DAY i. Die so that would go up to
Speaker 1: three hundred and sixty three hundred and seventy thousand dollars
Speaker 1: a year of. INCOME i could go to an old folks.
Speaker 1: HOME i could go to a memory care facility like
Speaker 1: a nice. ONE i could invite people into my house
Speaker 1: to take care of. ME i Mean i'm dealing, with you,
Speaker 1: know over a quarter of a million dollars a month
Speaker 1: for that.
Speaker 5: Investment, Okay so from the time that you purchase this investment, product,
Speaker 5: yep until you start withdrawing what approximate one hundred and
Speaker 5: seventy thousand per?
Speaker 1: Year, yes how much time has elapsed in your particular
Speaker 1: seventeen years in just the CASE i Use i'm fifty.
Speaker 1: Three i'm SAYING i retired at. Seventy that's seventeen years and,
Speaker 1: then but you can sit there and grow for as
Speaker 1: long as you. Want it does nothing but get bigger and.
Speaker 1: BIGGER i could take. IT i could take it at
Speaker 1: eighty eight IF i, Wanted or you can take.
Speaker 9: IT i get THIS a hold, On.
Speaker 1: Wind up your, questions let, me let me take this.
Speaker 1: Break we'll come. Back i'm curious what you have For
Speaker 1: joe three zero three seven one three eight two five Five.
Speaker 4: Go with a sure Thing denver's best Roofer Excel roofing dot.
Speaker 4: Com you don't pay a cent until you're. Content time
Speaker 4: for an insurance check up, free no. Obligation in, comparison
Speaker 4: call this insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: seven to one. Help you'll think you're his only customer
Speaker 4: when you Choose frank durand the real Estate man dot
Speaker 4: com to list your home With remax alliance three all
Speaker 4: three nine two zero sixteen twenty. Two all, right three
Speaker 4: oh three seven one THREE a two five. Five you've
Speaker 4: been ripped off for taking advantage Of we'd love to
Speaker 4: hear from. You three zero Three, martino three oh Three.
Speaker 4: Martino you can always email us at help at troubleshooter dot.
Speaker 4: Com we'll get a deputy on. It if we've recouped
Speaker 4: over three hundred million. Dollars, NOW i want to go
Speaker 4: back To. DMITRI i was asking you to ask the hard.
Speaker 4: QUESTIONS uh To.
Speaker 1: Joe the bottom line, is in my, scenario in, FACT
Speaker 1: i might have underdone it the MORE i think about
Speaker 1: it seventeen, years BECAUSE i think when we originally did, It,
Speaker 1: joe mine was me retiring at sixty. Five but, regardless
Speaker 1: the numbers are the. NUMBERS a million dollars now you
Speaker 1: get the benefit of one, million one hundred and fifty
Speaker 1: that grows from day. One when the stock market goes,
Speaker 1: up you. Participate if it goes up, massively you're going
Speaker 1: to go up. Massively then if the stock market goes,
Speaker 1: down it ratchets in and you cannot ever drop. Down
Speaker 1: so if everything's great in the stock market for twenty,
Speaker 1: years you're going to do even better if things are,
Speaker 1: Bad you're not going to lose a freaking. Dime best
Speaker 1: of all, worlds, Basically so what are your questions on? It?
Speaker 5: Seriously, so And, JOE i know you're running an example
Speaker 5: for me with my age and the potential amount THAT
Speaker 5: i would.
Speaker 1: Invest but let's get back To mark's example. Here, Okay so.
Speaker 5: After seventeen, years he begins to get an income of
Speaker 5: one hundred and seventy and then my two questions regarding
Speaker 5: that are is that for tax, purposes is that treated
Speaker 5: as ordinary?
Speaker 14: Income it depends on where the money came From. Dmitri
Speaker 14: if the money came from a four oh ONE k
Speaker 14: that he had in the, past then when pulls out the,
Speaker 14: money the money would be taxed just like.
Speaker 1: A four to one CA's like a four oh ONE
Speaker 1: k or AN.
Speaker 14: Ira if the money came from a non qualified account
Speaker 14: like an investment account or a savings account or a.
Speaker 1: House ordinary, income ordinary income and ordinary, income there's one
Speaker 1: Mora i'll throw on. That if it came from a
Speaker 1: wrath which you've already paid taxes on the money stuck's,
Speaker 1: free then you when you take that money, out you
Speaker 1: pay zero zip. Zilt you've already been hit with the.
Speaker 5: Burden and then you mentioned that Should mark have to
Speaker 5: move into a retirement home or get some kind of
Speaker 5: assisted living, arrangements the payments will automatically.
Speaker 9: Double there are guaranteed to.
Speaker 5: Double what are the what are the so, yeah, exactly
Speaker 5: that's the exactly WHERE i was. Going what documentation Would
Speaker 5: mark have to provide so that that's question so that
Speaker 5: the payer understands or can at least be convinced That
Speaker 5: mark isn't just trying to double.
Speaker 14: Him, yeah you have to have your personal doctor that
Speaker 14: you have problems with two out of the six activities
Speaker 14: of what are the six? Like for, example bathing on your,
Speaker 14: own dressing on your, own walking on your, own transferring
Speaker 14: from one chair to the, next cooking on your. Own
Speaker 14: basically sound.
Speaker 5: Extremely easy to document.
Speaker 14: A couple Of so this is the definition of long term,
Speaker 14: care meaning you have to have someone or you have
Speaker 14: to have memory you, know lapses or if.
Speaker 1: You mentioned, already give you an example of the big
Speaker 1: one we. Had in, fact it was her grandmother Got
Speaker 1: parkinson's and literally she got to the, Point now she
Speaker 1: lived with one of her, kids but she got to
Speaker 1: the point AND i watched. It she would shake so
Speaker 1: bad she literally couldn't eat. Herself it was like, this
Speaker 1: she couldn't hold a. Utensil SO i assume with The
Speaker 1: parkinson's of, course that would be. One and then she
Speaker 1: needed help, Bathing so if she had that, product it
Speaker 1: would have. Doubled then instead instead of, you your Aunt,
Speaker 1: susanne and your uncle help who was the, son it
Speaker 1: was your your, uncle, Yeah. Danny so instead Of danny
Speaker 1: taking care of the grandmother or his mother for my,
Speaker 1: god how many years in that? House ten, several ten plus,
Speaker 1: years they could have brought in outside. People AND i
Speaker 1: hate to say, this BUT i, mean it is a.
Speaker 1: Burden no matter how you look on, it it's a. Burden
Speaker 1: people can, say, oh you should never say, that but
Speaker 1: if you've ever had to take care of a loved
Speaker 1: one or parents going into, uh, well you, guys get a.
Speaker 1: Look we've got a lot going. On any questions you
Speaker 1: have three zero three, seven, one three eight two five.
Speaker 1: Five we have open lines three oho Three, martino Help
Speaker 1: it troubleshooter Dot. Com we're gonna take a quick. Break
Speaker 1: we're going to be back right after. This go with
Speaker 1: a sure.
Speaker 4: Thing denver's Best Rufer Excel roofing Dot you don't pay
Speaker 4: a cent until you're. Content wave time for an insurance
Speaker 4: check up, free no. Obligation in, comparison Call Compass insurance
Speaker 4: paying too much your coverage at dozens of insurance companies
Speaker 4: find out now three oh three seven to seven to one.
Speaker 4: Help you'll think you're his only customer when you Choose
Speaker 4: frank durand the real estate man dot com to list
Speaker 4: your home With Remax alliance three oh three nine two
Speaker 4: zero sixteen twenty.
Speaker 2: Two lead advice so you don't have them run anxious
Speaker 2: as fast as we.
Speaker 15: Can shooter's gonna help coming, Man this is The Troubleshooter.
Speaker 1: Show No Tom, Martine, Welcome, welcome my friends to the
Speaker 1: only show of its. Cab we're here to solve, problems
Speaker 1: answer your, questions take. Complaints we are here to make
Speaker 1: your life a little bit. Better let's put it like.
Speaker 1: This you've been ripped, off maybe a bad contract or
Speaker 1: a bad, landlord. Anything man landscapers are going to be
Speaker 1: the ones coming up usually this time of year to meet.
Speaker 1: You you haven't been with, us Bo were you here
Speaker 1: last year during? SPRING i don't think. SO i don't
Speaker 1: REMEMBER i, Know i've been here about a, year so,
Speaker 1: yeah about this, time so you kind of went through.
Speaker 1: It the landscaper ripoffs are absolutely. Huge they. Are they're.
Speaker 1: Unbelievable landscapers in general never give them money up. Front
Speaker 1: why you simply can't have some of the work done
Speaker 1: and pay as you. GO i will never understand why
Speaker 1: landscapers don't do. That, now if they got a order
Speaker 1: material for like a retaining, wall something along, those, fine
Speaker 1: make sure the products, delivered pay for it on a credit.
Speaker 1: Card and worse, scenario if this landscaper flakes, out you
Speaker 1: got the material there that you paid. For other than,
Speaker 1: THAT i wouldn't do. It we have arguments with people
Speaker 1: literally on our referral list to take money up. Front
Speaker 1: it drives me, crazy but you know, what they're honest.
Speaker 1: PEOPLE i can at least say that they're not going
Speaker 1: to rip you. Off BUT i still don't understand unless
Speaker 1: if it's something special and, ordered or if they can't deliver.
Speaker 1: IT i just don't understand why you would pay. Upfront
Speaker 1: but it's almost in our society now become pretty much
Speaker 1: the way it. GOES i, mean can you guys think
Speaker 1: OF i guess most like PLUMBING. HVAC i don't think
Speaker 1: anybody charges upfront for that stuff THAT i. Know IF
Speaker 1: i know Plumb line fix it, all he never. Did
Speaker 1: we never charged upfront ever for, anything.
Speaker 6: Because if you're a decent, business you should have the
Speaker 6: financial capital to buy the materials and have them in.
Speaker 11: STOCK i don't.
Speaker 1: Know of ANY hvac companies that charge up. FRONT i.
Speaker 1: DON'T i can't think of any honor prospect if.
Speaker 6: You have to pay, upfront because if they don't have
Speaker 6: the money to have the, equipment then you know they're
Speaker 6: just working their.
Speaker 11: Business what you, say bo that is.
Speaker 1: A company or an industry does charge up front that
Speaker 1: you don't have a problem. WITH i would, SAY i
Speaker 1: don't like to pay upfront on.
Speaker 6: Anything now the, LANDSCAPERS i would, say anything like.
Speaker 1: A, reservation a custom, order, yeah a custom order for,
Speaker 1: sure sus. Order, well in, fact we just went through
Speaker 1: that With. Gravina our, door our sliding door we bought
Speaker 1: is not a normal door by any. Means it's a
Speaker 1: little off as far as the. Height it's not. Standard
Speaker 1: so the manufacturer had to make. It so we PAID
Speaker 1: i think one thousand dollars out of five. Thousand then
Speaker 1: we paid the other four thousand when it was delivered and.
Speaker 1: Installed but how about a? Reservation what do you guys
Speaker 1: think they're like an airline. TICKET i think you have
Speaker 1: to it's a airtime on a. Radio these are things
Speaker 1: that can never be made. UP i, mean the chances
Speaker 1: are reselling a seat the day before you get on
Speaker 1: it are not that. Good, yeah you.
Speaker 6: Should be able to pay up front for a reservation
Speaker 6: because if you back, out they can't sell that reservation
Speaker 6: to somebody.
Speaker 1: Else you, KNOW i sued a big steakhouse, here Probably dimitri.
Speaker 1: Used so we're kind of like brothers from another mother
Speaker 1: when it comes to small claims and taking people to.
Speaker 1: Court so tell me what you think about. This we
Speaker 1: had A christmas? Party how many people susan twenty thirty
Speaker 1: twenty twenty, People and we were all going to be
Speaker 1: sitting at the same table in the middle of this,
Speaker 1: restaurant fancy. Restaurant and we get there and we're all
Speaker 1: sitting there and sitting, there and four, o'clock five, o'clock six,
Speaker 1: o'clock they all keep going and the party that's going
Speaker 1: on at that, table and the introm is not. Leaving in,
Speaker 1: fact after us waiting an hour and a. Half they
Speaker 1: just started ordering, dessert which, was what's that? One baked Baked?
Speaker 1: Alaska Baked. Alaska so now we're talking. Showcase now we're
Speaker 1: talking they're going to be parading around and waiting, forever
Speaker 1: starting it on. Fire SO i get so. MAD i
Speaker 1: go over to the general manager of this place AND i,
Speaker 1: go we made this reservation three and a half months,
Speaker 1: ago and what's going? On he, goes, Oh i'm so.
Speaker 1: Sorry who would have ever? THOUGHT i was, like who
Speaker 1: would have ever thought they'd be here at A christmas
Speaker 1: party this? Long everybody in the world would think. That
Speaker 1: so you're just you're incompetent at doing your. Job AND
Speaker 1: i started getting into a pretty good argument with, him
Speaker 1: wouldn't you, Say suzanne?
Speaker 2: Slightly, yeah.
Speaker 1: Yeah So martino's, There i'm. There we've got about eighteen
Speaker 1: associates and employees, there and at this point he, goes,
Speaker 1: well we can sit some of you here and some
Speaker 1: of you, here and some of you. Here oh, Embarrassing
Speaker 1: so now we're talking we're going to be split up
Speaker 1: from everybody we're taking out to. Dinner and then that's
Speaker 1: When suzanne whispered in my ear very, nicely we should
Speaker 1: probably leave and that's probably when she saw this steam
Speaker 1: coming out of my. Head so we basically, Left and
Speaker 1: that was probably a very good idea because at that
Speaker 1: point THE gm and myself were butting heads very loudly
Speaker 1: in the middle of a very nice.
Speaker 5: Restaurant not only, that but can you imagine all the
Speaker 5: vogies that are gonna get hawked into your dinners if
Speaker 5: you did get seated in order the.
Speaker 1: Food, well here's what. Happened her AND i left and
Speaker 1: everybody else, stayed and they were. Indifferent we weren't going
Speaker 1: to tell everybody to go. Home that's. Crazy we invited them,
Speaker 1: out and you know, what they worked their asses off
Speaker 1: all year and they deserved a nice dinner to do,
Speaker 1: whatever and they were. Doing the restaurant at this point
Speaker 1: is the. Issue but everybody still wanted to. Eat my,
Speaker 1: god we were sitting there two. Hours so we leave
Speaker 1: because at this POINT i simply already KNEW i had
Speaker 1: to remove myself from the. Situation SO i tracked down the.
Speaker 1: Owner they had PROBABLY i don't, know ten and twelve
Speaker 1: of these restaurants, around maybe not that, many but over,
Speaker 1: five and it's a place out Of, texas AND i
Speaker 1: ACTUALLY i didn't get in touch with the. OWNER i
Speaker 1: went out and soon to them for seventy five dollars
Speaker 1: because basically that was the bill and that is not
Speaker 1: what was presented to. Me so the legal argument comes
Speaker 1: down to, this is a? Reservation is a reservation without
Speaker 1: a deposit a promise from the? Restaurant it's very. Curious
Speaker 1: so there's two parts binding? Contract well, no is?
Speaker 9: It?
Speaker 2: Yeah?
Speaker 1: Okay? Fine is it a Binding as a legal, argument you're?
Speaker 1: Right is it a binding? CONTRACT i could argue either.
Speaker 1: Way tom always argues it's not because there's no consideration,
Speaker 1: exactly AND i, argue the consideration is me showing up.
Speaker 9: Literally the consideration That.
Speaker 1: I'm showing up to spend money is the. Consideration, no,
Speaker 1: WELL i don't care what you. Say i'm arguing the
Speaker 1: other side to. That, okay let's say you rented a.
Speaker 1: Room let's say it was a. Hotel, Yeah Joe, ciano
Speaker 1: you rent hotel rooms a lot or what do you call,
Speaker 1: them ballrooms? Whatever when you put on, seminars that's. Right
Speaker 1: so when you rent, those you put down a deposit
Speaker 1: and what or yes or? NO i don't know if
Speaker 1: you do or. Not you, KNOW i Don't so what would.
Speaker 1: Happen if you showed up and fifty people that signed
Speaker 1: up showed up and there was no place for anybody to,
Speaker 1: go would you think they breached an agreement a.
Speaker 14: Contract well that's a good, Question, mark you, know Like
Speaker 14: i'm with the met in a, way you have to
Speaker 14: have CONSIDERED i should have put it the.
Speaker 9: BOSS i, mean that's what. Point but what is?
Speaker 1: They so you're saying consideration is only. MONETARY i can't.
Speaker 1: PLEDGE i can't pledge a promise to come and spend. Money,
Speaker 1: no it's like a metallic of pledges to show up
Speaker 1: and actually play at a. Venue so it's not just paying.
Speaker 5: Money could be anything of, Value so you can, say,
Speaker 5: Look i'll come over sweep sweep your parking.
Speaker 1: Lot so you're saying there is no value in someone
Speaker 1: showing up spend, money that's. CORRECT i. DISAGREE i so.
Speaker 1: Disagree i'm going to look it up to the show.
Speaker 1: Here well we, have and there's there's arguments either. Way
Speaker 1: there's really no precedent. Though that's the. Issue, Hey, mark
Speaker 1: we'll see what you can. Find go, Ahead, KELLY i have.
Speaker 11: A question for.
Speaker 10: You.
Speaker 16: Sure so when my kids went through, Orthodonics, yeah we
Speaker 16: got charged if we had to cancel an, appointment.
Speaker 1: Sure and you know our our dentis literally does that right,
Speaker 1: now even for a routine. Cleaning if you cancel within
Speaker 1: twenty four, hours they charge you. Whatever.
Speaker 16: Yep and so in one situations.
Speaker 1: That work, There, dmitri that's a hell of a good.
Speaker 5: Question, WELL i have a hell of a good answer for.
Speaker 5: It so there is none of these health services that
Speaker 5: you are about to receive that didn't include you signing certain.
Speaker 1: PAPERWORK i don't THINK i. Did and well that's that
Speaker 1: would be pretty. UNUSUAL i, mean my dentist Isn't, elizabeth
Speaker 1: so we do things a little different out, there out
Speaker 1: of the real. World the, Paperwork, OKAY i. DON'T i don't, remember, Seriously,
Speaker 1: dmitri signing paperwork with my, dentist.
Speaker 16: Except for filling out the normal forms your health self.
Speaker 1: Health blood. PRESSURE i.
Speaker 10: Did, yeah you go to the same, dentis you sign
Speaker 10: and if you, cancel you agree to AN x.
Speaker 14: Amount you, say if we really sign, that ABSOLUTELY i remember.
Speaker 17: IT i.
Speaker 11: Don't you're very.
Speaker 5: Clear let's get all these deathists on the phone kill hold.
Speaker 1: On so let me continue down this. Road, though whether
Speaker 1: or not it's a contract is. Won SO i assume
Speaker 1: them small, claims breach of, contracts seventy five hundred. Dollars,
Speaker 1: OKAY i serve, them and they had basically an, office you,
Speaker 1: know they paid a company to accept. Service about two days,
Speaker 1: Later i'm sitting at home and it was on A saturday,
Speaker 1: night AND i get a call because it's all my,
Speaker 1: contact and it's the. Owner his last name Is, perry so,
Speaker 1: yeah that's the. One so basically he, goes, hey this
Speaker 1: is so and, so AND i, said, YEAH i, said
Speaker 1: you guys really screwed us on this. Deal so you
Speaker 1: know what he. Did he, goes, listen here's What i'd
Speaker 1: like to. Do let's settle this right. Now i'm going
Speaker 1: to give YOU x amount of gift. Cards you can
Speaker 1: use it to restaurant all at, once And i'll make
Speaker 1: sure whatever size party you have is, fine or you
Speaker 1: can use them for the next five. Years you just going.
Speaker 1: In whatever you want to, do you can do.
Speaker 5: That that explains The christmas GIFT i got from you
Speaker 5: from From Perry's. Steakhouse believe, Me i'm extremely grateful for,
Speaker 5: it but it means a lot more now THAT i
Speaker 5: know the backstory that.
Speaker 1: Was that was that was five years, Ago So tom
Speaker 1: AND i split them and we each had about five
Speaker 1: thousand dollars in gift cards to use. It perry's over
Speaker 1: x amount of, time you, know a shout out to
Speaker 1: handle A here's what he. Said here's exactly what he told.
Speaker 1: Me he, goes we have a, playbook AND i, said
Speaker 1: what does that? Mean he, goes OUR gm has a.
Speaker 1: Playbook every one of my restaurants has a. Playbook what
Speaker 1: should have been? Done and it's literally in our. Playbook
Speaker 1: he should have went around to some of these other
Speaker 1: tables where they could have moved people and put you all,
Speaker 1: together and he would entice them with free, appetizers free,
Speaker 1: dessert even a free hundred dollars bottle of. Wine whatever
Speaker 1: we needed to do to create space for you guys
Speaker 1: should have been. Done And i'm telling you right, now
Speaker 1: none of that was done Because i've already talked to
Speaker 1: him and he decided not to go by the.
Speaker 5: Playbook, yeah that sounds like an employee made a terrible,
Speaker 5: mistake but the company has a very classy process in
Speaker 5: place that should have been put into. Effect and then
Speaker 5: the way the owner Of perry's handled this, beautiful.
Speaker 1: Hugely Crack Chris perry cares about his. Business he did
Speaker 1: an unbelievable, job coming through like a total ten out
Speaker 1: of ten mark a absolute out of. Ten all, right
Speaker 1: three ozho three seven one three eight two five. Five
Speaker 1: everybody hold. Tight anybody can just take a.
Speaker 4: Go with a sure Thing denver's best Roofer Excel roofing dot.
Speaker 1: Com you don't.
Speaker 4: Pay a cent until you're. Content time for an insurance
Speaker 4: check up, free no. Obligation in comparison All compass insurance
Speaker 4: paying too much your coverage at dozens of insurance companies
Speaker 4: find out now three all three seven to seven to.
Speaker 18: One.
Speaker 4: Help you'll think you're his only customer when you Choose
Speaker 4: frank durand the real Estate man dot com to list
Speaker 4: your home With Remax alliance three all three nine two
Speaker 4: zero sixteen twenty.
Speaker 1: Two all, right three oh three seven one three eight
Speaker 1: two five. Five we've got some lines. OPEN i was
Speaker 1: going down memory laying, there but, okay so real. Quick
Speaker 1: you saw how that finished. Up, Uh Perry steakhouse came
Speaker 1: through big. Time and, no those weren't your gift cards.
Speaker 1: People that was that was what year was At, suzanna
Speaker 1: like twenty. Nineteen it was PRE covid, yeah. Right so
Speaker 1: basically we went Through tom AND i and us went
Speaker 1: through those gift cards and PROBABLY i don't, know a
Speaker 1: year or. Two so the ones that you got are
Speaker 1: because we love that restaurant so. Much literally we bought.
Speaker 1: Those we don't trade out with any restaurants or anything like.
Speaker 1: That look at how this paid off for.
Speaker 5: Them they gained they took this disaster and they gained
Speaker 5: a whole bunch of lifetime.
Speaker 1: Customers oh my. God not only, that they've. Gained everybody
Speaker 1: that we send down there when we give out gift
Speaker 1: cards usually ends up going. BACK i THINK i sent you.
Speaker 1: Down i'm not SAYING i gave you a gift. CARD
Speaker 1: i THINK i told you a toddy about that.
Speaker 9: Place we love.
Speaker 14: It it's absolutely, great and my wife AND i go
Speaker 14: there probably twice a.
Speaker 9: MONTH i love.
Speaker 1: It that's by the, Way Joe keano My, Money myway Dot.
Speaker 1: Com any questions you have on the, retirement please give
Speaker 1: us a. Call, Hey, jeff what's going on with auto? Insurance?
Speaker 12: Mark are?
Speaker 1: You i'm good? Man how are?
Speaker 13: You?
Speaker 1: Jeff?
Speaker 12: Good? Back In, JANUARY i was involved in an accident
Speaker 12: WHERE i was side swiped on a snowy ROAD a
Speaker 12: long story, short it was the other guy's. Fault he
Speaker 12: was sided with careless. OPERATION i had about forty three
Speaker 12: damage dollars worth of damage to my. Truck and his,
Speaker 12: insurance of, course is a good old shread. Lawyer oh. God,
Speaker 12: UH i went got my instimates and, stuff and his
Speaker 12: insurance has basically ghosted me since day. One it's, been you,
Speaker 12: know going on what four or five months?
Speaker 1: Now, yeah do you have do you have full coverage
Speaker 1: or do you have a comp and collision on? Yours?
Speaker 3: NO i do?
Speaker 1: Not you do? Not that SUCKS i HAVE.
Speaker 12: I have uninsured.
Speaker 1: Motorists but That, yeah that's smart. Though, hey that's really.
Speaker 1: Smart in, fact most people that don't have comp and
Speaker 1: collision don't have. That that's extremely. Smart. Jeff let me
Speaker 1: ask you this. Though they're when you say they're not contacting,
Speaker 1: you are they saying that their driver or their client
Speaker 1: is not contacting them or they just totally uh got
Speaker 1: rid of.
Speaker 12: It they they gave me a claim. Number they called
Speaker 12: probably a week and a half after the, accident gave
Speaker 12: me a claim. NUMBER uh left me some. VOICEMAILS i
Speaker 12: called them back and it takes two three. Days we
Speaker 12: played phone tag for almost a.
Speaker 1: Month how much is it? Really you said forty five
Speaker 1: hundred dollars in. Estimates here's the problem with. THAT a
Speaker 1: lot of times when people start digging, in there's other,
Speaker 1: issues so that forty five could easily be ten. THOUSAND i,
Speaker 1: mean are you pretty confident it's only forty five, Hundred,
Speaker 1: yeah all, right THEN i would simply sue that individual
Speaker 1: in small claims court for seventy five hundred. Dollars that
Speaker 1: will get him to reach out to the insurance company
Speaker 1: very quickly.
Speaker 5: And mark curtently If i'm, Wrong but they'll take this extremely. Seriously,
Speaker 5: oh the insurance company will actually come back to life
Speaker 5: instantly in a. Moment this guy served with a.
Speaker 1: Lawsuit the only time an insurance company and this happens
Speaker 1: With Fred, Loyer, Well Fred loya just sucks in my.
Speaker 1: Opinion but all insurance, companies if they're not hearing from their,
Speaker 1: insured that creates a whole different. Issue it's not like
Speaker 1: they're just going to pay you based upon you calling
Speaker 1: up saying this guy hits. You so when people do not,
Speaker 1: communicate they reach out to their, client their client doesn't call,
Speaker 1: back that's like a valid reason for them not to do.
Speaker 1: It but when you serve, them and it's only going
Speaker 1: to cost you a fifty five bucks you serve. Them
Speaker 1: the first thing he's going to do is call Up
Speaker 1: Fred lawyer and, Say, hey what t hell's going? On
Speaker 1: i'm now getting personally sued for. This then they're going
Speaker 1: to reach out to you and basically make it. Right,
Speaker 1: mark here's my.
Speaker 12: Dilemma the guy that hits me doesn't own the. Car
Speaker 12: he borrowed it from a. Friend, yeah this is a
Speaker 12: case where you've got four or Five hispanics living in
Speaker 12: a house In, denver.
Speaker 1: But there is. Insurance who owns? It you know where
Speaker 1: the owner of the vehicle. Is, yeah that's who you
Speaker 1: want to.
Speaker 5: Serve, Wait, mark don't you want to sue both of these?
Speaker 1: Guys BUT i would serve the owner of the vehicle
Speaker 1: because they're going to call Up Fred. Loyer that's going
Speaker 1: to be where that. Call if you sue the driver
Speaker 1: who doesn't have, insurance oh there's.
Speaker 5: Nothing that's going to right, okay because he doesn't have
Speaker 5: a relationship with the insurance. Company but doing both the
Speaker 5: driver and the, owner with the owner being the most important,
Speaker 5: part that just drags more potential people to pay the.
Speaker 1: Bills you could, definitely there's no doubt you could definitely do.
Speaker 1: That in, fact you could do it for the same
Speaker 1: amount fifty five bucks and have both plaintons on. There
Speaker 1: but that means you're gonna have to serve them both
Speaker 1: or break it up and spend Double oh, yeah but.
Speaker 12: Service not these guys from just ignoring everything and they
Speaker 12: don't Speak.
Speaker 1: English, yeah but the, lawsuit the lawsuit will do. That,
Speaker 1: listen especially what's going on right. Now some guy walks
Speaker 1: up and serves, you and you're, HERE i don't know
Speaker 1: if the guy's here illegally or, not and he serves
Speaker 1: you with court. PAPERWORK i have a feeling you're gonna
Speaker 1: start looking, around going Is ice? Here what's gonna? HAPPEN
Speaker 1: i think you're gonna light a fire under their.
Speaker 12: ASS i think they're gonna jump ship and.
Speaker 1: Disappear, well it doesn't. Matter they're not doing anything, Now.
Speaker 1: Jeff so then mark an interesting. QUESTION i want to
Speaker 1: say this wholed. On it has really no relevance if
Speaker 1: they're here legal or not, illegal or where they come
Speaker 1: from or where they're. Going they bought. Insurance the reason
Speaker 1: people pay for insurance is one you're supposed to do
Speaker 1: it so they're at least doing the right thing, there
Speaker 1: but they buy it in a case like, this so
Speaker 1: they don't have to come out of pocket For god's,
Speaker 1: sake well reasoning what they have not to do it
Speaker 1: as long as you put the fire under. THEM i
Speaker 1: have a feeling It's Fred laya playing games with, you
Speaker 1: not these. Guys, Absolutely, Mark, yes But, Jeff, jeff that's
Speaker 1: my whole. Point if you serve, them they're going to
Speaker 1: get on the side of you to go To Fred.
Speaker 1: Layer and here's. Why, Now Fred loya probably thinks these
Speaker 1: guys are never going to sue, them but they actually
Speaker 1: have a contract With Fred. Layer you could actually if
Speaker 1: they If Fred laya does nothing and you go through
Speaker 1: with your, lawsuit they have a claim Against Fred. Layer that's.
Speaker 12: INCREDIBLE i don't think they have any money either.
Speaker 14: Way, joe go, Ahead, yeah you, Know, MARK i THINK
Speaker 14: i think he can go to the state insurance department
Speaker 14: and file a. Complaint, yeah and you know what the
Speaker 14: insurance companies.
Speaker 1: Fear what did they, Say.
Speaker 12: Jeff THAT i filed the complaint With. Dora, yes they
Speaker 12: Contacted Fred. Layer Fred layer sent me a letter saying
Speaker 12: or denying the. Claim, first the most stupid. Reason well,
Speaker 12: no wait.
Speaker 1: A, second, chef my, god and my, god you could
Speaker 1: have you could have led with. That hold, on, Now
Speaker 1: i'm dying to hear why.
Speaker 5: It was he got to the need of the, Problem.
Speaker 1: Jeff hold, On i'm dying to know why they declined.
Speaker 1: It but that wasn't the entire premise three oh Three,
Speaker 1: martino hold.
Speaker 13: On.
Speaker 4: Go with a sure Thing denver's best Roofer Excel roofing dot.
Speaker 4: Com you don't pay a cent until you're. Content time
Speaker 4: for an insurance check up, free no. Obligation in, comparison
Speaker 4: Call Compass insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three o three seven
Speaker 4: seven to one. Help you'll think you're his only customer
Speaker 4: when you Choose frank durand the real Estate man dot
Speaker 4: com to list your home With Remax alliance three all
Speaker 4: three nine two zero sixteen twenty. Two try three oh
Speaker 4: three seven one three eight two five.
Speaker 1: Five i'm dying to go back To jeff. HERE i
Speaker 1: do want to tell you this. Though this hour my
Speaker 1: friend's brought to you By Compass. Insurance in, FACT i
Speaker 1: Wish jeff Called compass up because he wouldn't be dealing
Speaker 1: With Fred. Loyer compass will actually go out and get
Speaker 1: bids from about thirty different, companies whether it's car insurance
Speaker 1: or homeowners or an umbrella policy or even a business.
Speaker 1: Policy they're going to go to every company and find
Speaker 1: the best rate in the best coverage for you and your.
Speaker 1: Family they do it For susanne AND i every single.
Speaker 1: Year sometimes we'll have the same company for two or three,
Speaker 1: years then all of a sudden we've got a better
Speaker 1: deal through another, company or situations. Change you get young,
Speaker 1: drivers young, drivers sixteen year, olds you're going to see what.
Speaker 1: Happens compass shop around for. You they're great. People check them.
Speaker 1: Out Compass insurance dot. Com Now. Jeff jeff called up and, said,
Speaker 1: Hey i've got an. Issue Fred loya will not contact.
Speaker 1: ME i got into an accident Last. January some guy
Speaker 1: came and sideswiped, me AND i got like a claim
Speaker 1: number from Fred loya at to the, beginning but then
Speaker 1: they kind of went. Dark they wouldn't reach. OUT i Contacted.
Speaker 1: Dora dora reached out and that was a great thing to, Say,
Speaker 1: Joe and That's Joseph, caano because you're. Right if you
Speaker 1: sell insurance in this state and you have a problem
Speaker 1: and you Call, dora they will light a fire under
Speaker 1: that company's. Ass extremely. Absolutely they don't play games at,
Speaker 1: all so thank god for. Them so but here's the bottom.
Speaker 1: Line so then all of a sudden you get a
Speaker 1: letter From Fred loya, saying, hey we denied the. Claim
Speaker 1: now please tell us all why did they deny? It
Speaker 1: are they saying it was fifty to fifty half your?
Speaker 12: Fault, no they're they're saying that the driver claimed that
Speaker 12: he was in the right AND i was in the,
Speaker 12: wrong which is completely. False but there were two reasons
Speaker 12: they denied. It the first one is there was no
Speaker 12: policeman on.
Speaker 1: Site, WELL i thought you said someone got a. Ticket,
Speaker 1: yeah so how the hell they get a?
Speaker 12: TICKET i CONTACTED Csp they hammeled everything over the. Phone
Speaker 12: they said it would take more than two hours to
Speaker 12: get my. Allocation uh so they preferred to do over the.
Speaker 12: Phone SO i sent my. Information no.
Speaker 1: Where were? You i'm dying to. Know, now where were?
Speaker 12: You up in the foothills in the Unincorporated Larmer, County.
Speaker 1: Okay so, basically but you said he got a, citation
Speaker 1: did they literally give him a? Ticket after the.
Speaker 12: Fact yeah that the police report shows that he was
Speaker 12: cited for careless.
Speaker 1: Operation, okay and explain the accident to. US i want to.
Speaker 1: KNOW i know you said side, swipe but kind of
Speaker 1: give us paint a.
Speaker 12: PICTURE i was up in the foothills in a residential.
Speaker 12: Area we'd just gotten about eating to the snow. OVERNIGHT
Speaker 12: i was on my way back from my daughter's house
Speaker 12: AND i was only like one hundred yards from my,
Speaker 12: driveway AND i came over the rides a little, bit
Speaker 12: and as soon AS i cleared the, rise this guy
Speaker 12: was coming at me head. ON i swerved off the,
Speaker 12: road through the ditch and up against a neighbor's, fence
Speaker 12: and then he hit me in the rear driver quarter
Speaker 12: ripped the front end of his car all to.
Speaker 1: Piece here's WHAT i. Do, Listen, JEFF i get, it
Speaker 1: AND i think it probably was his, fault at least
Speaker 1: based on your. Description WHAT i would do is go
Speaker 1: right back to WHAT i was. SAYING i would literally
Speaker 1: sue the owner of that, Car and As dmitri, Said
Speaker 1: i'd go ahead and throw on the, driver ALTHOUGH i
Speaker 1: might do him. Separately So i'm not sitting around waiting
Speaker 1: to serve two different people listener in the same, household
Speaker 1: And i'd go serve. Them you're going to have your
Speaker 1: argument in front of a, magistrate or in front of a,
Speaker 1: judge or in front of a. Mediator Fred loyer is
Speaker 1: going to have to step up to the plate and
Speaker 1: hire some kind of counsel in order to defend their.
Speaker 1: Client they're going to have to do. It but you're
Speaker 1: gonna have to get in front of a judge and
Speaker 1: prove to someone that you think it was their, Fault Mark.
Speaker 5: Jeff jeff said that there were two reasons he denied.
Speaker 5: It so what was the second, Reason, joe good, catch thank.
Speaker 12: You, well the first ONE i said was they claimed
Speaker 12: the police didn't show. Up second one said there was
Speaker 12: too much evitentence against their. Driver they thought it was.
Speaker 12: Rigged what does that?
Speaker 1: Mean too much?
Speaker 12: Evidence like, What, Well i'm guessing that the driver the
Speaker 12: other vehicle didn't fill out a police.
Speaker 1: Report, yeah, Guess, kelly Get. Brian see If Brian burns
Speaker 1: can come.
Speaker 12: ON i have pictures and video of the whole.
Speaker 1: Thing so you've got so much evidence it's. Crazy you
Speaker 1: can go into a court room and present the. Evidence oh, well, Then,
Speaker 1: jeff Why i'm not saying you are, Hesitant but why
Speaker 1: do you seem to be hesitant about just suing? Them
Speaker 1: apparently you listen to this show all the. Time why
Speaker 1: wouldn't you just go to small claims court because it's
Speaker 1: under the seventy five hundred dollars threshold and take this
Speaker 1: guy to, task.
Speaker 12: Primarily BECAUSE i don't think the guy's got the money to.
Speaker 1: Pay either, way it doesn't. Matter the insurance company is
Speaker 1: gonna have to do one of two. Things one give
Speaker 1: you the forty five hundred bucks or whatever the estimate's.
Speaker 1: For or two figure out outside, council show up the
Speaker 1: court and risk losing. THERE i think they're gonna cut
Speaker 1: him a. Check if you have all this video evidence
Speaker 1: that you've shared with, them what are they gonna? Do
Speaker 1: show up to the judge and, go, well your, honor
Speaker 1: it's evident with all this, evidence the whole thing's. CONCOCTED
Speaker 1: i mean, that that's the craziest THING i ever.
Speaker 12: Heard, yeah, well here's what they're telling. Me they preferred
Speaker 12: me to their claims, manager AND i contacted him and,
Speaker 12: Said i've got all this.
Speaker 1: Evidence, look, Man, JEFF i swear To, god you have no.
Speaker 1: Duty i'm putting you on. HOLD i feel Like i'm
Speaker 1: talking in tongues now and only like eight people understand
Speaker 1: What i'm. Saying you have no you have no reason
Speaker 1: to deal With Fred loyer. Anymore they don't know you the,
Speaker 1: money you don't have a contract with. Them you need
Speaker 1: to go after these other. PEOPLE i would go after
Speaker 1: the owner of the. Car, first he allowed someone to drive,
Speaker 1: it and unless he's going to all of a sudden
Speaker 1: say it's, stolen BUT i think you have already heard
Speaker 1: that by. Now so he agreed to let someone use.
Speaker 1: It they have coverage on that. Car that person he
Speaker 1: allowed to use his vehicle ran into. You you have
Speaker 1: evidence coming out To, Kazoo my, god get into. Court
Speaker 1: it's fifty. Dollars you're going to go down To adams
Speaker 1: or what do you, Say jeff go think he?
Speaker 5: Said or where It's Clarimber county And mark In the
Speaker 5: one place where you AND i have a divergence of,
Speaker 5: opinion IS i believe it's necessary to sue both of
Speaker 5: Them Simon. DANGER i don't think because if he if
Speaker 5: he sues one can't find, one then well the second
Speaker 5: the defendant he did find is still roped into this. Lawsuit,
Speaker 5: Right BUT i think that if he, sues one loses
Speaker 5: sues the second that's the second bite of the.
Speaker 1: Apple that's WHAT i want to. Ask that's WHAT i
Speaker 1: want to Ask. Brian Get brian. ON i want to
Speaker 1: ask him that because to, me it's going to be
Speaker 1: the owner of the. Vehicle if you come over to
Speaker 1: my house for a dinner party and you bring a,
Speaker 1: date AND i know that's a, leap but Let's i'm kidding.
Speaker 1: Me so you bring a date and you come in
Speaker 1: the house and your date slips and falls and does
Speaker 1: something to hurt.
Speaker 5: Herself, Okay, no, no she should somehow harm your house
Speaker 5: because in your, example you would hold me responsible for her.
Speaker 1: Misbehavior, no that's not What i'm. Saying i'm SAYING i
Speaker 1: don't see any reason. WHY i don't see any reason
Speaker 1: why you would go after the. DRIVER i think you
Speaker 1: would go after the owner of the. Car that's All i'm.
Speaker 5: So the reason is that it's the driver of the
Speaker 5: vehicle who committed the tort Against.
Speaker 1: Jeff LET'S i want to see What brian. Says he's
Speaker 1: available in five five. Minutes all, right, everybody hold, tight.
Speaker 4: Go with a sure. Thing denver's best roofer excel roofing dot.
Speaker 4: Com you don't pay a cent until you're. Content time
Speaker 4: for an insurance check up free no. Obligation comparison Call
Speaker 4: Compass insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven to
Speaker 4: seven to one. Help you'll think you're his only customer
Speaker 4: when you Choose frank durand the real Estate man dot
Speaker 4: com to list your home With Remax alliance three oh
Speaker 4: three nine two zero sixteen twenty.
Speaker 1: Two all, right three oh three seven one THREE a
Speaker 1: two five. Five we're gonna Get Brian burns. On So
Speaker 1: jeff hold tight. THERE i want to go back To
Speaker 1: joe before the end of the. Break Joe keano My
Speaker 1: Money myway Dot com to, Me, tue you were asking
Speaker 1: them a lot of, questions BUT i love this. Product
Speaker 1: i'm not saying you go out and you liquefy YOUR
Speaker 1: ira or four oh ONE k and dive into, this
Speaker 1: But i'll tell you. This i'll tell you a number
Speaker 1: that'll blow you. AWAY i gave that example of, myself
Speaker 1: AND i would have one hundred and eighty thousand a,
Speaker 1: year and then IF i got, sick it would double
Speaker 1: listen to this twenty two year old twenty. Two i've
Speaker 1: got a kid that's twenty. Two adeline actually just turned twenty.
Speaker 1: Three if she bought a ten thousand dollars annuity right, now,
Speaker 1: okay right, now when she turns what was, it sixty,
Speaker 1: eight sixty, five when she turns sixty, five you know
Speaker 1: much money she has if she doesn't add one nickel to,
Speaker 1: it one nickel under this, product because remember she gets
Speaker 1: to fifteen percent. Bonus she actually takes advantage of when
Speaker 1: the stock market's up or THE. Snp when the SNP's,
Speaker 1: up she's, up but it ratchets, in never drops. Down
Speaker 1: just just totally get me a, Guest.
Speaker 5: Dmitri, Okay so the future present value of this annuity
Speaker 5: when she's sixty, five forty three years from now would
Speaker 5: probably be about a million and a.
Speaker 1: Half but the question is that's. Much that's a damn
Speaker 1: good guess it's. Over it's like one point two million.
Speaker 1: Dollars can you imagine if that that's my. Daughter imagine
Speaker 1: if that was my, grandkid and my grandkid before it's even.
Speaker 1: BORN i don't know technically how you do, that but
Speaker 1: basically you do. That you're long gone six feet under
Speaker 1: and they find out someday when they go to retire
Speaker 1: they have this this nest egg that grandpa or mom
Speaker 1: and dad set up for him a million years, ago
Speaker 1: worth over a million. Dollars it's.
Speaker 5: Crazy, however she's not expected to withdraw that money at that, point,
Speaker 5: right she can start taking a monthly. Payment and how
Speaker 5: much would that Be we have to run the.
Speaker 9: Numbers, country but it would be a pretty fessible.
Speaker 5: Amount, well it probably would be a little bit more
Speaker 5: than the fourteen thousand dollars that Mark mark's. Example, Right
Speaker 5: so let's say sixteen seventeen thousand dollars forty three.
Speaker 1: Years, so, yeah we don't know the value of that
Speaker 1: is where you're.
Speaker 5: Going, well we we don't know the value of the monthly.
Speaker 9: Payment, no, NO i know we. Do we don't.
Speaker 1: Know, okay we don't know what a million dollars can
Speaker 1: be can buy in forty three? Years?
Speaker 9: Oh with? Inflation?
Speaker 18: Right?
Speaker 1: Inflation but hold, on hold. On this made me think
Speaker 1: of something we don't know that you can actually for
Speaker 1: a few more. Dollars in, fact on a ten thousand
Speaker 1: dollars annuity be almost.
Speaker 9: Nothing almost.
Speaker 1: Nothing you could literally buy an inflation rider that would
Speaker 1: ride with. Inflation, yeah well you have to think how
Speaker 1: crazy that.
Speaker 14: WAS i, mean that's. BEAUTIFUL i mean that's That Deputy
Speaker 14: duck actually.
Speaker 1: Has, Yeah Deputy docks got that exact. Thing i'm, SORRY
Speaker 1: i keep cutting you.
Speaker 14: Out, no, no but you know, something you, Know dmitre gave
Speaker 14: me some numbers to. Run, yeah what'd you? Find he's
Speaker 14: fifty five years, old got it right? Now and he
Speaker 14: wants to invest half a million dollars into this wonderful.
Speaker 9: Annuity, okay day Won.
Speaker 14: Dmitry day, one your account is worth five hundred and
Speaker 14: seventy five thousand dollars and it starts to grow to
Speaker 14: the fifteen percent. Bonus you don't. Have you don't have to, wait,
Speaker 14: JOH i.
Speaker 5: Understand but it's not LIKE i can just get a
Speaker 5: check for that amount from you on day, too, Right, no.
Speaker 1: But on, date on date. Whatever you don't that?
Speaker 5: WOULD i, mean we continue to grow and compound along
Speaker 5: with my initial and that's the whole.
Speaker 1: Idea that's a great. Question when does it in ten?
Speaker 1: Years he owns, that, right that is.
Speaker 14: Right so you got to remember that this is a retirement.
Speaker 14: Vehicle it's not a saving Circl so you, know if
Speaker 14: you look at the.
Speaker 1: No But, JOE i want to. CLARIFY i want to
Speaker 1: clarify what you're. Saying but in ten, years if he
Speaker 1: did want to cash out of that, thing, right that's his,
Speaker 1: money then.
Speaker 9: You have over a million. Dollars i'm looking at them
Speaker 9: million years is BECAUSE.
Speaker 1: I, say when does he get the bonus money if
Speaker 1: he wanted to get ten? Years ten?
Speaker 12: Years?
Speaker 9: Right over ten?
Speaker 1: Years.
Speaker 5: Right but the idea of buying an annuity is not
Speaker 5: to collect a big check ahead of. Something it's the
Speaker 5: annual income that you rely on for the rest of your.
Speaker 5: Life so where would those when COULD i start those?
Speaker 5: Payments and how much would they?
Speaker 14: Be, Okay i'm going to give them to you right.
Speaker 14: Now you can begin at the end of the first
Speaker 14: year basically to start drawing an, income and that payment
Speaker 14: would be nineteen, thousand eight hundred and thirty four dollars
Speaker 14: a month for the rest of your.
Speaker 1: Life so twenty four thousand a.
Speaker 14: Year so if you wait ten, years let's say we
Speaker 14: become sixty's a good, example you will have fifty one,
Speaker 14: thousand one hundred and two.
Speaker 9: Dollars per year per, year.
Speaker 1: And if something, happens he's got he's got. Doublet IF
Speaker 1: i need long.
Speaker 9: Term, care it becomes one hundred and two, thousand two.
Speaker 5: Four and then so let's SAY i, die either at
Speaker 5: age sixty six or one hundred and. Two good, question
Speaker 5: what happens to the balance of all that? Money the entire, value.
Speaker 9: The account, value will go to your.
Speaker 1: Beneficiary so ifety account values a million, bucks, right they
Speaker 1: get a million of them right.
Speaker 9: Here i'm looking at it right.
Speaker 14: Here so let me, said if you, died you, know
Speaker 14: let's say at sixty sixty, six a million dollars will go.
Speaker 9: To your, beneficiary whoever that, is whoever that.
Speaker 1: Is and then a lot of people, joh thanks a.
Speaker 1: Lot that's. AWESOME a lot of people teer. Them so
Speaker 1: in other, words instead of buying one annuity for five hundred,
Speaker 1: thousand you buy, two one for two, fifty one for two.
Speaker 1: Fifty you, might when you get to be fifty, five
Speaker 1: turn one on while the other still. Grows you, follow
Speaker 1: what do you call? That staggering staging.
Speaker 9: Ladder lettering ladder in? Dinnuities and you see what people.
Speaker 1: Need he's got clients that have five or six when
Speaker 1: they only have one turned on and the rest continue to.
Speaker 1: Grow because they still might have a pension from an
Speaker 1: old company or something else going.
Speaker 5: On, joe can any of these instruments be used, to let's,
Speaker 5: say finance a primary.
Speaker 14: Residence, now this is now set up for that that
Speaker 14: become the banker account that we.
Speaker 9: Have that's exactly what that will. Do his other, product
Speaker 9: it's another, product all.
Speaker 1: Right let me give his info Out My Money myway dot.
Speaker 1: Com it's simple as. That My Money myway dot. Com
Speaker 1: Brian burns is. On we've got three lines. Open. LISTEN
Speaker 1: i want to hear from. You you've been ripped off
Speaker 1: taking advantage OF i am dying to go after a bad.
Speaker 1: Guy i'm shaking three zero Three martino three oh Three
Speaker 1: Martino Help troubleshooter dot. Com, everyboddy Hang taye.
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Speaker 2: Ripped up.
Speaker 1: New that's who you don't.
Speaker 4: Have come running as fast as we can show The
Speaker 4: shooter is gonna.
Speaker 15: Help Come Man dix is The Troubleshooter Show, Now Tom, Martinez, Welcome.
Speaker 1: Welcome my friends to the only show of it's. Kind
Speaker 1: we're here to solve, problems to answer your, questions take.
Speaker 1: Complaints i'm surrounded by some great, deputies my Wife suzanne
Speaker 1: uh our executive, Producer, kelly our. Producer on the other
Speaker 1: side of the, Glass, DRAGON i, assume is now in the.
Speaker 1: House dragons in the. House we have a guest today as,
Speaker 1: well and that Is Jordan. Kenna in, fact your dad
Speaker 1: was with us the first two. Hours, jordan how are you?
Speaker 1: Doing how come you get the? Second how come your
Speaker 1: second and not? First i'm just going to ask.
Speaker 17: You you, know that is a good. Question you know
Speaker 17: sometimes you get us mixed, up you, Say joseph And. Joe,
Speaker 17: yeah you, KNOW i think it's BECAUSE i come. Second
Speaker 17: that's how it. Works so that's because you. Comes So
Speaker 17: i'm doing.
Speaker 1: Great how you guys Doing we're doing pretty, good. Man
Speaker 1: we were talking about your product little last. Hour in,
Speaker 1: Fact dmitri was asking pretty good. Questions and that's A
Speaker 1: Deputy dimitri and Then Deputy boson with us. Too but
Speaker 1: here's what we're gonna do right. Now we're gonna get
Speaker 1: right to the. Phones three oh three seven one three
Speaker 1: eight two five. FIVE i do have a couple lines.
Speaker 1: OPEN i want to finish up With. Jeff jeff called
Speaker 1: up and Basically jeff got into a car Accident january
Speaker 1: of last. Year And i'm saying this for our, Expert Brian,
Speaker 1: Burns So, Brian january of last, year this, guy according
Speaker 1: to the, Caller jeff gets. Sideswiped, ultimately the person that
Speaker 1: hit him ended up getting a. Ticket Fred loya is
Speaker 1: the other guy's. Insurance and the bottom line is. This
Speaker 1: they basically send him a denial. Letter he, says a
Speaker 1: denial letter said something like this is actually after he
Speaker 1: talked To Fred, loyer they said there's just too much
Speaker 1: evidence to actually believe that this whole thing isn't being put.
Speaker 1: TOGETHER i, mean it was the most ridiculous THING i ever,
Speaker 1: heard if that's what they actually told. Him but here's
Speaker 1: where the conversation went, to, so the guy driving the,
Speaker 1: car from everything we, know had, Permission so keep that
Speaker 1: in the back of your. Mind he had permission to drive.
Speaker 1: It so if he did have permission to drive, it
Speaker 1: And Fred lay is denying, it if you were going
Speaker 1: to take him the small claims court it's forty five hundred,
Speaker 1: dollars or even sue them in county, court, whatever whatever
Speaker 1: the case is or the venue, is would you sue
Speaker 1: the owner of the vehicle or the? Driver now both
Speaker 1: would be, great but ULTIMATELY i would think the insurance
Speaker 1: is going to be the one, pressured SO i would
Speaker 1: sue The IF i could only choose, ONE i would
Speaker 1: sue the. Driver in, FACT i don't even see the
Speaker 1: reasoning for suing the other, guy just BECAUSE i doubt
Speaker 1: he's got any money. Whatsoever but just give us your
Speaker 1: thoughts on.
Speaker 19: It, well my original thought would be to sue the,
Speaker 19: owner because he's the one at least has a car
Speaker 19: and had. Insurance we don't even know about the, driver
Speaker 19: do He does the driver even have?
Speaker 1: Insurance, no the driver doesn't have his own. Insurance he
Speaker 1: was used on the other guy's, car and considering the
Speaker 1: other guy's, car Is Fred. Loyer that's the only Reason
Speaker 1: i'm putting this, together that there could be nothing to
Speaker 1: go after on the other, Side.
Speaker 19: Well there could be nothing to GO i think at
Speaker 19: least there's a sign of insurance on the owner. Side
Speaker 19: there's nothing on the driver's. Side SO i THINK i
Speaker 19: would go out to the. OWNER i will tell you
Speaker 19: ninety percent of the, TIME i would, say maybe even
Speaker 19: higher than. That auto insurance has permissive use. Coverage Fred,
Speaker 19: loyer no guarantee of. THAT i mean you're talking, about you,
Speaker 19: know the very bottom.
Speaker 1: Rungs in my, Opinion, yeah but du're denying. It, jeff
Speaker 1: tell us, again what did the denial letters say From Fred?
Speaker 1: Loyer what was the? Reasoning two?
Speaker 12: Reasons number one that there was no police on scene
Speaker 12: at the, time it was all handled over the phone
Speaker 12: with the csp. Okay and number, two there was too
Speaker 12: much evidence against their. Driver it sounds too fishy to, them.
Speaker 1: Sounds too fishy That but wait a, minute wait a,
Speaker 1: minute are you saying the denial letter literally says it
Speaker 1: seems too. Fishy it not knows.
Speaker 12: Where it says there's too much evidence against our.
Speaker 1: Drivers what it really, says that's. It there's no way
Speaker 1: it says that not even Fred leya is that. STUPID
Speaker 1: i would use that as one of the. Exhibits that
Speaker 1: would be the best example. Ever And, brian he says
Speaker 1: he's got video and everything of. THIS i mean to,
Speaker 1: me it sounds like a slam. Dunk it's only forty
Speaker 1: five hundred. Bucks you serve the owner of the vehicle
Speaker 1: and he's going to bitch To Fred. Loya they're going
Speaker 1: to have to make a decision whether to pay the
Speaker 1: forty five hundred bucks or try to fight it in
Speaker 1: small claims, court where they're going to have to ask
Speaker 1: the judge to allow them to bring into an. Attorney
Speaker 1: but even if they do bring in an, attorney it's
Speaker 1: still going to be very basic.
Speaker 19: Rules but what, okay they CAN i ask, you why
Speaker 19: have you just turned it into your own? Insurance why
Speaker 19: wouldn't you do?
Speaker 1: That he doesn't have that. Coverage he's only got liability
Speaker 1: and he's got. Uninsured that's. It he doesn't have, compepolusion.
Speaker 19: Gotcha, Okay, yeah so that is your. Option but, yes
Speaker 19: to answer your original, question in my, OPINION i would
Speaker 19: go after the owner of the vehicle more than the.
Speaker 1: Driver, YEAH i don't think the driver means. Anything, now
Speaker 1: if they both lived in you know what interesting. Question
Speaker 1: if they both did live in the same, dwelling Could
Speaker 1: Fred loyer actually make the argument that they should have
Speaker 1: been listed on the.
Speaker 19: Policy, absolutely, yeah they could say he was an excluded
Speaker 19: driver in that.
Speaker 1: Case so you almost you could almost screw yourself serving
Speaker 1: both of them if they're in this only if they're
Speaker 1: in the same whole. Household AND I i don't even
Speaker 1: why AM i even thinking, That. Jeff did you mention
Speaker 1: they live together or?
Speaker 12: What, yeah they lived, together they're in the same.
Speaker 1: Place She's you might be lucky they have any coverage at,
Speaker 1: All Hi.
Speaker 19: Bray, YEAH i THINK i would do exactly what you're.
Speaker 19: Doing i'd go after, him probably the, owner because he's
Speaker 19: the one that has the. Insurance but the chance of
Speaker 19: getting anything out of, them who. KNOWS i don't know
Speaker 19: whether they have anything to suit. FOR i just don't, Know.
Speaker 1: Brian if we go out of this. Realm, Jeff i'm
Speaker 1: not sure if you got any other questions for our,
Speaker 1: expert BUT i, mean it's. EVERYTHING i basically it's told
Speaker 1: you have a question mark go, ahead.
Speaker 6: Bo so at the beginning of this, Story, jeff you
Speaker 6: said that The Carro State patrol issued a, ticket but
Speaker 6: they didn't come on.
Speaker 11: Scene how can a ticket be.
Speaker 1: As they issued the? Ticket and how do you know they?
Speaker 1: Did the police report.
Speaker 12: THAT i retrieved later indicates, everything the, names, dresses and
Speaker 12: it shows that the driver the vehicle was in fact
Speaker 12: issued A Cats operations.
Speaker 1: TICKET i wonder how they do that after the, Fact.
Speaker 11: Brian have you ever heard of?
Speaker 1: THAT i have, Not i've never.
Speaker 19: HEARD i, MEAN i thought you had to be on
Speaker 19: scene for the ticket to be. ISSUED i guess that's
Speaker 19: that's outside the insurance.
Speaker 1: Scope but that's not only is it outside the insurance.
Speaker 1: Scope let me tell you, This there's been plenty of
Speaker 1: times on this show people have been issued tickets and
Speaker 1: it has nothing to do with who's at fault for the,
Speaker 1: accident nothing to Do the closest ONE i remember was
Speaker 1: only a few weeks, ago and we actually had the
Speaker 1: video where when the video came the cops ended up
Speaker 1: ripping up the ticket they.
Speaker 5: Gave, yeah the other driver got the ticket at the
Speaker 5: time of the. Accident but then the guy who rolled
Speaker 5: his four runners six times sent us a video and
Speaker 5: it clearly shows that he's the one at.
Speaker 1: Fault SO i mean it happens In. Brian you know.
Speaker 1: This people argue fifty to fifty all the, time meaning
Speaker 1: either insurance company does.
Speaker 19: Anything, yeah well then your own insurance is responsible for
Speaker 19: your own, damage which in this case wouldn't help him
Speaker 19: because he doesn't have insurance on the.
Speaker 1: Vehicle, So, jeff you just got to take this guy to. Court,
Speaker 1: Man just do. It just take, them take, them take.
Speaker 1: THEM i do want to Thank Brian burns The Insurance
Speaker 1: Help center dot com or go To Compass insurance dot. Com,
Speaker 1: brian our rates are just going crazy on. You are
Speaker 1: you seeing a lot of renewals on homeowners that they're
Speaker 1: getting more out of control than?
Speaker 19: Ever the rates are still not going down at this,
Speaker 19: point Although i'm seeing signs of some relief. Coming i've
Speaker 19: seen two insurance companies Have i've met with are filing
Speaker 19: for a rate decrease on the auto and a and
Speaker 19: a rate stable on the. Home so if this, Year
Speaker 19: i'm just telling, you if we get through this summer
Speaker 19: without major, hailstorms we're gonna all see rates coming down a.
Speaker 19: BIT i really believe.
Speaker 10: That.
Speaker 1: Wow but if we see major, hailstorms it could be
Speaker 1: the complete.
Speaker 19: Opposite it could be the opposite.
Speaker 10: Just the other.
Speaker 19: Day, well but insurance companies also have as many people,
Speaker 19: realize they have changed a lot of policies where there's
Speaker 19: greater deductibles on the wind. Hail SO i just don't
Speaker 19: think insurance companies are going to get hit as. Hard
Speaker 19: so if we just see In colorado them break even this,
Speaker 19: year we should start to see. Them you, know more
Speaker 19: and more companies step back into wanting wanting to write.
Speaker 1: Business so you, KNOW i was talking To John place WITH.
Speaker 1: CMG i talk about them all the, time and they
Speaker 1: do a ton of, Lending, BRIAN i, mean they do
Speaker 1: like twenty billion dollars a. Month they're the, Bank they're
Speaker 1: not like just a. Broker but one of the things
Speaker 1: he's told me that was. Incredible people looking at buying
Speaker 1: their first. House forget ABOUT Refi i'm talking, purchases whether
Speaker 1: the first house or the. Fifth the funny part about Purchases,
Speaker 1: now once you calculate In colorado the taxes and, insurance
Speaker 1: it is crazy how little spending power they. Have taxes
Speaker 1: have almost doubled in the state in the last last
Speaker 1: four or five. Years and then homeowners is my, god
Speaker 1: it has probably if you go say twenty twenty To,
Speaker 1: now how much higher do you think it?
Speaker 19: Is, oh it's easily. DOUBLE i really believe that it's. Double.
Speaker 19: YEAH i Mean i'm seeing carriers taking twenty percent every
Speaker 19: year over the last five. Years at least there's something
Speaker 19: to take more than. That it's it has been a
Speaker 19: really rough last five years with, insurance specifically In, colorado
Speaker 19: but obviously you see it in other parts of the.
Speaker 10: Country you, know our.
Speaker 1: First house and you, Know i'm not dating ourselves too,
Speaker 1: much but was nineteen ninety three right?
Speaker 4: Much?
Speaker 1: Yeah so nineteen ninety, three a brand new house In
Speaker 1: Parker Clark, farms brand new. House suzanne got to pick
Speaker 1: out all the colors and the carpet and all that.
Speaker 1: Crap you know how much it was one hundred and
Speaker 1: ten thousand. Bucks one hundred and ten, THOUSAND i mean
Speaker 1: our our mortgage payment with insurance and, everything we only
Speaker 1: had ten percent, down so you, know we owed basically
Speaker 1: one hundred thousand. DOLLARS i, mean our mortgage payment was
Speaker 1: like eight hundred. DOLLARS i, mean AND i and we
Speaker 1: MADE i bet back then we made maybe fifty, thousand maybe.
Speaker 1: SIXTY i, mean you couldn't even Get there's people that
Speaker 1: can't even get an apartment In colorado now for.
Speaker 19: That, yeah, no it it's, Horrible, BRIAN i much. Higher,
Speaker 19: YEAH i. Know i've got teenage and you, know early
Speaker 19: twenties that are trying to buy, homes and it's it's just.
Speaker 19: Tough it's tough to find anything out. There it's.
Speaker 1: Crazy, Okay, HEY i appreciate that anybody wants to. Quote in,
Speaker 1: FACT i always forget to tell people. This With Compass,
Speaker 1: insurance any insurance you can, imagine they can generally beat anything, MOTORCYCLE,
Speaker 1: rv business business, insurance workman's comp, anything anything you can,
Speaker 1: imagine except for health. Insurance give these guys a. Call
Speaker 1: they know what they're. Doing they shop so many different
Speaker 1: companies for, you and they can save you. Money three
Speaker 1: oh three nine nine six nine thousand Or Compass insurance dot. Com,
Speaker 1: okay give us call three oh three seven one three
Speaker 1: eight two. Five we're gonna take a quick. Break we'll
Speaker 1: be back right after.
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Speaker 1: Two all, right fix it twenty four. Seven these are the.
Speaker 1: Guys thirty nine bucks are gonna come. Out they're gonna
Speaker 1: clean that air. Conditioner if you haven't had it, done
Speaker 1: it's time to get it. Done it's new customers. Only in,
Speaker 1: fact this hour is brought to you by, them and
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Speaker 1: no breakdown guarantee on. It and they do all this
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Speaker 1: or maybe a drain is clogged, up you're going to
Speaker 1: know who to. Call check them. Out it fix my
Speaker 1: home dot. Com that's fixedmihome dot. Com, gentlemen any. UPDATES i, Heard,
Speaker 1: dimitri you had something sitting in the hopper that was
Speaker 1: going to blow us. Away you said it was one
Speaker 1: of the best outcomes for a car problem that we've
Speaker 1: had in a. While and car problems. Suck.
Speaker 5: Yeah not only is it a car, problem it involves
Speaker 5: a used engine and a used engine. Warranty and to
Speaker 5: make matters even more, complicated the engine was swapped into
Speaker 5: this vehicle almost three years.
Speaker 1: Ago so when did they buy? It tell me a
Speaker 1: little about the, story.
Speaker 5: So you may recall That march twenty, Fourth alice called
Speaker 5: on behalf of her, Son, armando had a used car
Speaker 5: that approximately almost three years, ago needed an, engine and
Speaker 5: So armando had a used engine.
Speaker 1: Installed it was AN lkq.
Speaker 5: Engine good, Engine, yeah and it came with a three year. Warranty,
Speaker 5: now for reasons that we don't need to get into right,
Speaker 5: now just in the interest of, Time armando had a
Speaker 5: very difficult time working with a company that had originally
Speaker 5: installed the used.
Speaker 1: Engine and this does AN lkq actually handle? It o outside?
Speaker 1: Like in other, words was he supposed to go back
Speaker 1: to the original people or that didn't?
Speaker 5: Matter, no as it turned, Out SO i SENT i
Speaker 5: Sent kevin From Sharing Auto tech a copy Of armando's
Speaker 5: bill of sale and information on that. Engine And kevin
Speaker 5: told me that he can actually make a claim WITH.
Speaker 1: Lkq yeah they're. Good, yeah they're.
Speaker 5: Good and he has a relationship WITH lkq that he
Speaker 5: felt he could leverage to help her mind.
Speaker 1: For people out. THERE lkq is basically like a gigantic
Speaker 1: salvage yard all around the. Country, yeah and so that
Speaker 1: engine it might have been, rebuilt but generally through l
Speaker 1: k it was it was a, rebuilt it was. Engine
Speaker 1: they also sell used. Engines, yeah this was. That they'll
Speaker 1: warranty as.
Speaker 5: Well oh, yeah, yeah they're a high quality engine. Supplier so,
Speaker 5: anyway over these past three, years this rebuilt used engine
Speaker 5: That armando had had developed all kinds of. Problems it
Speaker 5: had a rear main leak, seal it had a front seal.
Speaker 1: Leak it was just dripping oil all over the.
Speaker 5: Place and to make matters, worse it then developed a
Speaker 5: head gasket.
Speaker 1: Failure so there's the, money that's. It so and the
Speaker 1: people he bought it from with that engine, originally they
Speaker 1: could care less at this, point.
Speaker 5: You, know it's not that they could care, less it's
Speaker 5: just That armando wasn't the the easiest guy to deal with,
Speaker 5: it and so their relationship over the years deteriorated to
Speaker 5: the point WHERE i, Thought, hey let's just start all
Speaker 5: over with a trusted and Trust kevin.
Speaker 1: Again AND i Knew kevin.
Speaker 5: Has the patience for, it and So, armando At kevin's,
Speaker 5: urging had the vehicle towed Into Shared Noto. Tech and
Speaker 5: this is about i'd say three three and a half
Speaker 5: weeks ago or. So, WELL i just got an update
Speaker 5: from From Shared Noto tech and here's what they found.
Speaker 1: OUT lkq has.
Speaker 5: Agreed to not only supply a, replacement rebuilt engine we
Speaker 5: should expect to having about three, weeks BUT lkq has
Speaker 5: also agreed to Reimburse armando for approximately forty seven hundred
Speaker 5: dollars That Shared nototech will charge to swap out the.
Speaker 1: Engines oh, Nice so he's going to be Out he's
Speaker 1: going to be out of pocket zero or very, yeah very,
Speaker 1: little if not even.
Speaker 5: Zero and, FRANKLY i was really surprised to hear that
Speaker 5: second part BECAUSE i read the terms of the warranty
Speaker 5: THAT lkq puts on these.
Speaker 1: Services, no they, do but they.
Speaker 5: Cap it at like sixty or eighty bucks an hour
Speaker 5: something like, that which is just a fraction of what it.
Speaker 1: Was kevin's really stepping up, Too so, well.
Speaker 5: No, kevin it seems LIKE i don't, KNOW i don't
Speaker 5: know IF i don't think That kevin discounted as hourly.
Speaker 5: Rate but it sounds to me LIKE lkq will cover
Speaker 5: the entire labor.
Speaker 1: Bill that's, nice you. Know, yeah people don't get. THAT
Speaker 1: i don't. Care if it's a good aftermarket warranty, company
Speaker 1: and there's some that are better than. Others, Personally i'd
Speaker 1: never buy an aftermarket, warranty just. Wouldn't but some of
Speaker 1: them do pay when. NEEDED i, mean there's no. Doubt
Speaker 1: you can't argue that everyone is a, sham because that's
Speaker 1: simply not. True some. Are some will do nothing but
Speaker 1: try to figure out how to just not. PAY i
Speaker 1: mean that's the whole of. Them, yeah that's their whole
Speaker 1: goal in the life of. Them but the one they
Speaker 1: all have in common one hundred, percent, man is they
Speaker 1: cap that. Labor so these, guys, well actually this is
Speaker 1: an a warranty company as the engine. Company it's really
Speaker 1: nice they did, that because you're, right most of them
Speaker 1: are like maybe even they say one hundred. Bucks the
Speaker 1: problem is you go to a. Dealership dealership could be
Speaker 1: two hundred and fifty bucks an. Hour oh, yeah you
Speaker 1: go to Like. Kevin i'm not exactly sure where it,
Speaker 1: is BUT i guarantee it's between one hundred and fifty
Speaker 1: and two, hundred maybe even a little. Higher that's just
Speaker 1: what it costs to operate a shop these. Days it's
Speaker 1: not like they're. Outrageous so for these guys to step,
Speaker 1: up that's. Awesome. Man, Yeah i'm so impressed WITH.
Speaker 5: Lkq this is the first Time i've, worked you, know
Speaker 5: any kind of a case that involved.
Speaker 1: THEM i used to buy stuff from them quite a.
Speaker 5: Bit, yeah they have a great, repetition don't.
Speaker 1: They, yeah they're everywhere. TOO i mean they're really a
Speaker 1: pretty big dog in that. Arena, now as far as
Speaker 1: the engines and STUFF i think they. Do i've bought
Speaker 1: in transmissions from them for customers in the, past a
Speaker 1: lot of. THEM i just don't recall ever having any
Speaker 1: real bad issues with.
Speaker 5: Them, well it worked out in this, case and you, know,
Speaker 5: huge thank you, Too. Kevin i'd Share Noto tech for
Speaker 5: babysitting this warranty claim and it turned out really well for,
Speaker 5: everybody you.
Speaker 1: Know i'm trying to think the worst RELATIONSHIP i had
Speaker 1: back in the car business as far as problems with a,
Speaker 1: wholesaler would probably BE i don't want outright say it was,
Speaker 1: junk BUT i had. TO i had a lot of
Speaker 1: problems with parts and us having to do the labor,
Speaker 1: again because you, know we were parts and labor was
Speaker 1: probably Car. QUEST i don't think they're around, anymore but,
Speaker 1: man we would just get like one alternator in after
Speaker 1: another and they're all. DEAD i, mean IF i ordered
Speaker 1: it THROUGH napa and got at least their mediocre line
Speaker 1: or their medium, LINE i just never have any issue like.
Speaker 1: That so there's definitely some cheap ass parts out. There
Speaker 1: BUT i don't remember anything WITH lkq ever going, wrong
Speaker 1: which is a good. Thing any other, updates, sir not right? Now,
Speaker 1: bo you got anything in the hopper over, there?
Speaker 6: Sir, well speaking Of kevin As, sheridan i't tech.
Speaker 1: Got kevin helps out on this show so. Much, yes
Speaker 1: you're a really good. Guy it's. Incredible if you ever
Speaker 1: have a car, problem you need to call us. Here
Speaker 1: kevin gets. Involved we've had a. Lot we were just
Speaker 1: talking about. Warranties we've had ones where the warranty gets
Speaker 1: denied because the shop doesn't quite know how to sell
Speaker 1: it or force it down the. Warranty we'll get it
Speaker 1: over To kevin and he'll somehow get. Cover go, ahead.
Speaker 12: Bo.
Speaker 6: Yeah this call came in actually a long time ago
Speaker 6: On january twenty, fourth at one. Thirty tom was the.
Speaker 6: Host our name Is. Marie this is an interesting. Case
Speaker 6: marie's son lives In, florida and she was he was
Speaker 6: having trouble with the. Car, yeah and she was just
Speaker 6: really concerned about her son being ripped.
Speaker 1: Off how old's the? Kid you?
Speaker 11: KNOW i don't. KNOW i think he was in his.
Speaker 6: Teens OKAYBE i got probab he's, eighteen nineteen years.
Speaker 1: Old so he's there like for college or, SOMETHING i.
Speaker 11: Believe SO i got.
Speaker 6: You so she was going to have the car towed
Speaker 6: From florida here To.
Speaker 1: Colorado oh my, GOD i mean that would cost like
Speaker 1: fifty thousand. Dollars hold, ON i got to take this.
Speaker 1: BREAK i want to see where this is. Going don't
Speaker 1: tell me they did.
Speaker 4: That go with a sure Thing Denver's best roofer excel
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Speaker 4: contenth time for an insurance check up, free no. Obligation in,
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Speaker 4: seven seven to one. Help you'll think you're his only
Speaker 4: customer when you Choose frank durand the real estate man
Speaker 4: dot com to list your home With Remax alliance three
Speaker 4: oh three nine two zero sixteen twenty.
Speaker 1: Two all, right three oh three seven three eight two
Speaker 1: five five you've been ripped off or taking advantage if
Speaker 1: we want to hear from, YOU, BO i want you
Speaker 1: to finish that story For god's, sake and Then, JULIE i, Promise,
Speaker 1: oh here we go. Landscapers landscapers hits that time of the.
Speaker 1: Year we're going to get to. That But, bo go
Speaker 1: ahead and finish where we left. Off go go. Goes.
Speaker 11: Okay so she was contemplating towing the car.
Speaker 1: Cos. Yeah so she's In, florida.
Speaker 11: Gray to getting ripped off and there's you.
Speaker 1: Know, Well i'm sorry you always. RECAP i thought you
Speaker 1: would do. That the reason we do it is we
Speaker 1: just picked some new. Audience so this woman lived In. Florida,
Speaker 1: no her kid was In, Florida, florida and she wanted
Speaker 1: to tow her car To, colorado.
Speaker 6: Her kid's car To, colorado because she's afraid her kid
Speaker 6: would get ripped off at a mechanic shop with the
Speaker 6: car repair and there was something going on with the
Speaker 6: fuel injection or the intake.
Speaker 11: Manifold it's been a, WHILE i don't remember the.
Speaker 6: Details So kevin helped me zero in on some repair
Speaker 6: SHOP Napa Repair.
Speaker 11: Centers In set he's.
Speaker 1: Affiliated, yes In, Sanford.
Speaker 11: Florida got.
Speaker 6: It SO i Told marie THAT i would call these
Speaker 6: mechanics and kind of vet, them kind of ask them
Speaker 6: the proper questions and look at the.
Speaker 11: Reviews and THEN i Told, marie do not tow the
Speaker 11: car To.
Speaker 1: Colorado, OKAY i, think let, me let, me let me
Speaker 1: intervene just for a, second then we'll finish it. UP
Speaker 1: i cannot imagine there's someone out there that literally, considered
Speaker 1: instead of going to an auto repair shop for having
Speaker 1: their kids go to, it tow a car From florida To.
Speaker 1: COLORADO i have now. Listen i'm not saying she's, dumb
Speaker 1: it's not my intent, here but she is definitely ignorant
Speaker 1: at the cost of, towing towing or even shipping a.
Speaker 1: Car maybe what she meant was put it on a
Speaker 1: transport and get it. Here but to literally tow a
Speaker 1: car From florida would COST i, mean let's just let's
Speaker 1: say what first of, all with THE puc, License i'm
Speaker 1: not even. SURE i don't even know how that works
Speaker 1: going multi, state BUT i assume you can do.
Speaker 7: It.
Speaker 1: Mark you would.
Speaker 5: Probably cost them the tens of thousands to actually have
Speaker 5: a real tow.
Speaker 1: Truck did she ever get a bit on?
Speaker 6: It Bo, oh she was contemplating, it AND i think
Speaker 6: once she figured it, out.
Speaker 1: Thank, god you got. IT i got you got.
Speaker 11: Involved, yes she found a. MECHANIC i gave.
Speaker 6: HER i vetted two of them, out and she did
Speaker 6: get the car, repaired and we saved.
Speaker 11: The troubleshooter show saved her thousands of. Dollars Or i'm
Speaker 11: getting the car towed To.
Speaker 1: Colorado what was the problem with? It do you?
Speaker 11: Remember add something to do with the fuel.
Speaker 1: Injection, okay but it's all. Fixed it's all. Fixed. Man
Speaker 1: three oh three seven one THREE a two five. Five, Hey,
Speaker 1: julie what's going on with this? Landscaper are you. There,
Speaker 1: YEAH i hear, You. Julie what's going?
Speaker 7: On, Oh i'm so. Sorry SO i hired a landscaper
Speaker 7: WHEN i bought this house last, fall her last. SUMMER
Speaker 7: i had him scraped the, yards put in sprinkler system and,
Speaker 7: sod and right at the, beginning the sod was brown and,
Speaker 7: brittle AND i kept complaining and he kept telling, me,
Speaker 7: No i'll take care of, it you, know don't worry about.
Speaker 7: It so as late As, SEPTEMBER i was texting and, saying,
Speaker 7: hey half of this sod is. Dying the sprinkler heads
Speaker 7: aren't hitting where they, to and he kept telling me
Speaker 7: he was going to fix.
Speaker 1: Everything so just one big dab.
Speaker 3: Lawn oh so half of my lawn in the back is.
Speaker 7: Dead he's blaming it on my dogs, now even though
Speaker 7: it's been like. THAT i had him come over On
Speaker 7: monday to restart the system BECAUSE i had paid him
Speaker 7: in the fall to blow it. Out what he saw
Speaker 7: and he went, Down, oh he went down and told
Speaker 7: me THAT i had had somebody else work on it
Speaker 7: because there was no shot off. Valve and when he went, out.
Speaker 1: Hold, On, julie did YOU i mean between, us did
Speaker 1: you have someone?
Speaker 4: Else?
Speaker 7: No BECAUSE i trusted this.
Speaker 1: Person so what does he mean there's no shut off.
Speaker 1: Valve i've never heard of. Such how do you turn
Speaker 1: it off for? Winter?
Speaker 7: Exactly, well so what he had told me was the
Speaker 7: pipe was in the, wall he couldn't access it to
Speaker 7: put off a valve, in so he was going to
Speaker 7: take care of it on the.
Speaker 1: Outside got.
Speaker 7: It and SO i had this weird configuration OF pbc
Speaker 7: pipe for most of the summer and. Fall and THEN i, said,
Speaker 7: hey you, know are you going to do something with
Speaker 7: us BECAUSE i know that it would freeze and he,
Speaker 7: said oh. Yeah SO i paid him to blow out the,
Speaker 7: system and that's WHAT i thought he had. Done so
Speaker 7: when he came Over, monday he told me that there
Speaker 7: had still been water in there and that it was cracked.
Speaker 3: And needed to be.
Speaker 7: Repaired AND i, said, well wait a, second you said
Speaker 7: you had taken care of all, this and he again
Speaker 7: denied any of, that denied that the yard was a
Speaker 7: problem because he had put in substandard, sod and essentially told.
Speaker 1: Me we would just agree give. You, okay let let
Speaker 1: let's just go to the problem at, hand the sod.
Speaker 1: ITSELF i assume the sprinkler, system is it operating now or, no, no,
Speaker 1: No and he's saying he's not going to do it
Speaker 1: because he claims you modified it or you did something to.
Speaker 7: It, yeah THAT i had somebody else worked.
Speaker 1: On who is? It what's the company?
Speaker 7: Name Tyler hornback and he out Of greeley.
Speaker 1: Say it, Again, Hornback Kyler hornbeck.
Speaker 7: Yep and WHEN i went On facebook to write a,
Speaker 7: COMPLAINT i found all kinds of other people who've been
Speaker 7: scammed by this gentleman and can't get.
Speaker 1: Repairs, so but just to be, clear right, now he
Speaker 1: is not turning it back on or getting it running,
Speaker 1: properly realigning the. Heads he's not doing anything with the
Speaker 1: side right all based upon This one your dogs killed
Speaker 1: the side and two you add someone else come out
Speaker 1: and modify the sprinkler system according to. Him yet according to,
Speaker 1: him but you absolutely did.
Speaker 7: Not, NO i. Haven't and my older daughter and her
Speaker 7: wife lived with, me so they can attest that no
Speaker 7: one else has worked on. This and.
Speaker 1: All, right hold, on hold, on hold, On, kelly get
Speaker 1: the phone number To Hornbeck. Hornbach get the phone. Number
Speaker 1: see if we can get him. On i'd like to
Speaker 1: quiz him about what's going on. Here we're going to find.
Speaker 1: Out we're going to get to the bottom of this.
Speaker 1: Story i'm going to put a deputy on it if
Speaker 1: everything is, true and we're going to try to at
Speaker 1: least get her sprinkler system. Done what are your thoughts
Speaker 1: And i'd like to know From dimitri And i'd like
Speaker 1: to know from. Bo i'd like to know your. Thoughts
Speaker 1: though In, suzanne we've had dogs. Forever when it comes
Speaker 1: to sod and, dogs can the dogs take out half the?
Speaker 1: Backyard hold on.
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Speaker 4: Pay a cent until you're. Content time for an insurance checkup,
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Speaker 4: now three all three seven to seven to one. Help
Speaker 4: you'll think you're his only customer when you Choose frank
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Speaker 4: home With Remax alliance three all three nine two zero
Speaker 4: sixteen twenty.
Speaker 20: Two you Know Jordan piano And studio With us was
Speaker 20: just telling us about one of his favorite, shows and
Speaker 20: that show is Called What You are sixty days in
Speaker 20: sixty days in so these prisons will take someone in
Speaker 20: for sixty.
Speaker 1: DAYS i see so many liability issues with just. THAT
Speaker 1: i don't even know what to think. About but where
Speaker 1: this conversation arrived? From And, JULIE i promise we're going
Speaker 1: back to that. Landscaper i'm just up against the, hour
Speaker 1: but just hold. On here's what drove me. Crazy here's
Speaker 1: where we got. There dmitri started laughing out loud in
Speaker 1: the middle of the, break AND i, said what's so?
Speaker 1: Funny he goes that one. Guy the MORE i think
Speaker 1: about That Fred loyer, letter and what did the guy?
Speaker 1: Say The Fred loyer letter From last HOUR Sec.
Speaker 5: According to the to the, caller he said that the
Speaker 5: insurance claim was denied Because Fred layer wrote in a
Speaker 5: letter that the evidence you presented against our insured is so.
Speaker 1: Overwhelmed it's too. Damning it's too damning that we don't
Speaker 1: even believe it because it's too. Conclusive so we started.
Speaker 1: Talking you could take that letter and you could use
Speaker 1: that letter. Anywhere you could apply that to anything in the,
Speaker 1: world your. Honor there is no way my Client Rob Dad,
Speaker 1: bank it's on. Video you have HIS. Dna he had
Speaker 1: the money in his own. Suitcase there is no way
Speaker 1: with all that evidence that could be. True it's just too.
Speaker 1: Unbelievable it's too. Unbelievable we rest defence. RESTS i, mean
Speaker 1: think about. That it. Is we had this one collar years.
Speaker 1: Ago it was a landscaper and that made me think With.
Speaker 1: Julie the landscaper Was, luna and he had a clause
Speaker 1: at the bottom of his. Contract someone sent me The
Speaker 1: luna clause. Recently i'm going to look for. IT i
Speaker 1: Think i'm gonna find. IT i Think Mike thomas sent
Speaker 1: it to, me The luna. Clause WHEN i read this
Speaker 1: to you and show, you guys The luna, clause this
Speaker 1: will go to proof you can't put anything in a
Speaker 1: contract and expect it to hold. Up WHEN i and
Speaker 1: this was, real this guy literally put the lunar clause
Speaker 1: in his. Contract, JULIE i promise your Next And kathy's
Speaker 1: got props For Joe. Lazari he's one of the best
Speaker 1: ATTORNEYS i. Know and Then patrick has a, comment everybody hold, tight.
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Speaker 4: Com you don't pay a cent until you're contenth time
Speaker 4: for an insurance checkup, free no obligation comparison Call Compass
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Speaker 4: companies find out now THREE o three seven to seven
Speaker 4: to one. Help you'll think you're his only customer when
Speaker 4: you Choose frank durand the real estate man Dot com
Speaker 4: to list your home With Remax alliance three oh three
Speaker 4: nine two zero sixteen twenty Two.
Speaker 9: Rift news you don't have.
Speaker 1: Shoot is gonna help.
Speaker 15: Coming Man dix is The Troubleshooter. Show, No Tom, martine
Speaker 15: all Right folk three.
Speaker 1: Oh three seven one three eight two five five three
Speaker 1: oho Three, Martino i've got good news for everybody out.
Speaker 1: There we're gonna go back to this landscaping call. Immediately
Speaker 1: this poor woman's a, teacher but it brought up something
Speaker 1: during the. Break The luna clause. Waits you hear the
Speaker 1: clause in this landscaper's contract from a call many moons.
Speaker 1: Ago but back To. Julie julie had a landscaper come.
Speaker 1: Out he installed a sprinkler. System he puts sod, In, bam.
Speaker 1: Bam he goes to restart the sprinkler, system and the
Speaker 1: last What. Julie the last couple of.
Speaker 12: Weeks, yeah, no this week actually this, week.
Speaker 1: And he, says, hey you had someone else out here
Speaker 1: working on, it And i'm not going to do anything for. It,
Speaker 1: meantime the side he installs all dead and he's blaming
Speaker 1: it on the. Dog and then he's blaming the sprinkler
Speaker 1: system on somebody that didn't do. Anything he's the one
Speaker 1: that installed, it right, Exactly, kelly you called over to this.
Speaker 1: Guy what what did this guy have to? Say it
Speaker 1: just went to.
Speaker 16: VOICEMAIL i left him a.
Speaker 1: Message is it at least a normal, voicemail like you've
Speaker 1: reached landscaping?
Speaker 16: Company, no it's what it's an automated.
Speaker 1: Voicemail oh, man does this guy have a? Phone did
Speaker 1: you give the phone Number julie To, Kelly.
Speaker 3: Yes, yes, yeah that's.
Speaker 1: Yeah oh, lord that's. It that's. It so do you
Speaker 1: think he's going to call back based upon what you
Speaker 1: know of? Him, Julie, NO.
Speaker 7: I have had Like i've had contact with several other
Speaker 7: people over the last.
Speaker 19: Week.
Speaker 3: Si he this is what he.
Speaker 7: Does he does substandard.
Speaker 1: Work it's the guy's. Name give me the guy's, Name,
Speaker 1: ty what's the company?
Speaker 7: Name Hornback landscaping and situated In Greeley.
Speaker 1: Horn back BAC k, right, yeah Found? Landscaping did you find?
Speaker 7: It?
Speaker 11: Both, OKAY i got the phone. Number kind of verify
Speaker 11: it with you call hold.
Speaker 1: On what is the phone? Number? Julie you give us
Speaker 1: the right one and you tell me if that's what
Speaker 1: you got both go ahead Or, kelly you got it?
Speaker 1: Up what is?
Speaker 19: IT i?
Speaker 16: Do nine seven zero nine seven zero nine six nine
Speaker 16: six six five six five six sixty.
Speaker 1: Five. Listen folks listening are, YouTubers our, listeners our, podcast
Speaker 1: even if it's a couple of days. Later please give
Speaker 1: this guy a call and, say why are you blaming
Speaker 1: everything on your? Customer the sod is? Dead in, FACT
Speaker 1: i want to ask everybody really. QUICK i mean he's
Speaker 1: blaming the sod on the. DOGS i have put sod
Speaker 1: on in Our parker. House we did the side front
Speaker 1: and back and Our Castle rock house we DID i
Speaker 1: THINK i think we did front and back. Too, there, right,
Speaker 1: yeah did we ever have any? Problems we had A
Speaker 1: doberman at the, time the size of a small. Cat.
Speaker 16: Cat female urine will make earned, spots but that Was it's.
Speaker 1: This whole thing dead or are we talking some urine
Speaker 1: spots from the end of the.
Speaker 3: City, no it's like it's about half.
Speaker 1: Dead can you send us a picture of, It, JULIE
Speaker 1: i want to do some free advertising for this guy
Speaker 1: when it comes to. Side, YEAH i absolutely.
Speaker 7: Will And i've been after him since he first put
Speaker 7: it in BECAUSE i used to.
Speaker 1: Do do you have correspondence or text back and forth
Speaker 1: that you can provide us showing it you reached out to? Us, Yes, okay,
Speaker 1: LISTEN i want to build a case against, Him, Julie so,
Speaker 1: Listen i'm going to put you on. HOLD i want
Speaker 1: to see the pictures of, it AND i want to
Speaker 1: see the correspondence dating back and the original invoice if
Speaker 1: you have. It and we're just going to keep going
Speaker 1: after this guy till he does. SOMETHING i, MEAN i
Speaker 1: don't understand why he would basically come out and go
Speaker 1: you had someone else to look at this or do.
Speaker 1: Something So i'm no longer going to touch, it especially
Speaker 1: if we have correspondents, going, hey the sprinkler system's not,
Speaker 1: working the sod is, dying this is hornback. LANDSCAPING i
Speaker 1: would appreciate if you are nice when you. Call in,
Speaker 1: fact that's. It the REASON i do this IS i
Speaker 1: want you to give him a real. Review this helps,
Speaker 1: Owners this will help Mister hornback understand that people are
Speaker 1: talking about him and he doesn't want. That he wants
Speaker 1: to make this. RIGHT i can feel. IT i can
Speaker 1: feel it in my. Gut hornback wants to make this.
Speaker 1: Right nine seven zero nine six six five six six.
Speaker 1: Five just ask him give them a real. REVIEW i
Speaker 1: want to get those, pictures and tomorrow we're gonna post
Speaker 1: the pictures Of Horror. Hornback i'm trying to think of
Speaker 1: a good, name But i'm Gonna i'm gonna watch Where
Speaker 1: i'm Going Hornback.
Speaker 16: Landscaping he may actually call. Back they did put him
Speaker 16: on no no, NO i, said he may actually call.
Speaker 1: BACK i hope he. Does but according to, her there's
Speaker 1: numerous people that have left the.
Speaker 16: Messages, WELL i, understand BUT i left a very interesting
Speaker 16: message for him to call me for a different.
Speaker 1: Purpose oh you did a sneaky. Snake uh, Huh kelly
Speaker 1: doing the sneaky. Snake you know one Time Deputy. Dan
Speaker 1: we were talking About Deputy dan in The luna the lun.
Speaker 1: Clause i'm going to read that in a. Second AFTER
Speaker 1: i go To, kathy BECAUSE i promised her i'd get
Speaker 1: to her and Then patrick's got a. Comment we do
Speaker 1: have two lines open three oh three seven one three
Speaker 1: eight two five five three oh Three. Martino but so
Speaker 1: so had The luna. CLAUSE i just keep thinking. About
Speaker 1: but we had one we pulled A. Kelly i'll call
Speaker 1: To kelly, now So Deputy dan AND. I in, fact
Speaker 1: this one's still On. Facebook it's the video of. Us
Speaker 1: we had a cement. Guy he was going around to
Speaker 1: people doing driveways and he was taking money. Down now
Speaker 1: it's not it's Not. Joey we Got joey and we
Speaker 1: got him thrown in. Jail this was another guy and his,
Speaker 1: son and ALL i remember is in the VIDEO i
Speaker 1: called his home the Third mobile because he lived in
Speaker 1: this nineteen seventy four rambler and him and his kid
Speaker 1: were meth, heads, basically and they ripped all these people.
Speaker 1: Off and he'd never come on, air would never answer
Speaker 1: the phone once he knew who you. Were SO i
Speaker 1: called from a different phone and we randomly picked the
Speaker 1: place In Greenwood village for him to come out and
Speaker 1: give us an, estimate just. Random so me And dan
Speaker 1: show up out of there like we're the. Homeowners we're
Speaker 1: just basically standing on the. Sidewalk we have no association
Speaker 1: or know nothing about. It so they get out of the.
Speaker 1: Turdmobile this thing was The it was like a rolling meth.
Speaker 1: LAB i, Mean i'll just put it for what it
Speaker 1: is and what scared the hell out of. Me AFTER
Speaker 1: i start doing my thing in front of, him like
Speaker 1: why'd you rip him? Off why'd you do? This all
Speaker 1: of a, sudden the shade opens in the back of THIS.
Speaker 1: Rv So i'm yelling at the old, man not yelling at.
Speaker 1: It i'm, like you'll never call us. Back we've gotten
Speaker 1: four people on. You you've taken twenty two thousand dollars over
Speaker 1: the last six, weeks and you haven't showed up to one.
Speaker 1: Job the, sudden this shade opens in the back and
Speaker 1: his head's like it's like some kind of, creature like
Speaker 1: from The Black lagoon or. Something THEN i start hearing
Speaker 1: like he's walking down this tin. Can and WHEN i
Speaker 1: say this thing was old and a piece of, CRAP
Speaker 1: i can't even the WORST rv you've ever seen on
Speaker 1: the side of the road In. Denver this would make look. Good.
Speaker 1: Okay the front door opens and this kid comes out
Speaker 1: AND i, say, kid he's in his, twenties but he
Speaker 1: was this guy's, kid and he's absolutely. Insane he runs
Speaker 1: up and smacks the camera out Of dan's, hands, which
Speaker 1: by the, way was my. Phone SO i was pretty
Speaker 1: irritated at this. Point so we're all. Yelling we're, Like i'm,
Speaker 1: like oh my, god this is escalating so. FAST i
Speaker 1: can't believe. It so the dad actually calmed down the.
Speaker 1: KID i mean it was evident the kids. TWEAKING i,
Speaker 1: mean his eyes are coming. Together the guy's. Nuts he's absolutely,
Speaker 1: insane and we end the video and the end of
Speaker 1: the VIDE i think literally on there you can see
Speaker 1: the camera kind of flying, out but you can still
Speaker 1: hear the audio going, on and we had the cops.
Speaker 1: Coming they took off in the. Turdmobile and my understanding
Speaker 1: is they made. It this was in the tech center
Speaker 1: or this was in GREEN i think it Was Greenwood
Speaker 1: village and they end up In. Aurora they got basically pulled,
Speaker 1: over and my understanding is they haven't been back in
Speaker 1: The states, since so we at least chased them the
Speaker 1: hell out of. Here AND i really do think they
Speaker 1: have not come back To. Colorado AND i don't know
Speaker 1: if they had charges pending for what happened With Deputy
Speaker 1: dan AND i and them assaulting. Us it was all on.
Speaker 1: Video WHEN i say, assault they they literally smacked the
Speaker 1: camera out of, Them so that was. That that's unacceptable. Behavior,
Speaker 1: Mom oh my, god if you saw this meth head
Speaker 1: crack kid in, fact could you actually be hooked on
Speaker 1: meth and crack at the same? Time is that? Possible why?
Speaker 1: NOT i, mean, seriously has anybody known a meth slash.
Speaker 5: Crackhead it's nice to hear a really good tweaker story
Speaker 5: once in a, while more a good tweaker.
Speaker 1: Story, Hey, patrick what is your? Comment, Oh, KATHY i
Speaker 1: am so. Sorry kathy's got props to one of my
Speaker 1: Favorite this always sounds bad when you say, it but
Speaker 1: my favorite criminal defense, Attorney Jola's. ERA i have Known
Speaker 1: joe for so many. Years he is the best guy out. There.
Speaker 1: Kathy how Did joe help? You?
Speaker 8: Hi, mark thanks so much for taking my. Call my
Speaker 8: husband AND i are loyal, listeners and that's how we
Speaker 8: got Onto Jola's.
Speaker 12: ERA i love.
Speaker 8: Them we had need and a real kind of an emergent.
Speaker 8: Matter we needed his, services and it was late close
Speaker 8: of day and late in the. Week he actually spoke with.
Speaker 8: Us we gave him a. Retainer we ended up headed
Speaker 8: to court and then the whole thing was. Dismissed oh,
Speaker 8: wow THAT i was so impressed about is he returned
Speaker 8: almost half of the retain.
Speaker 1: For and he got you, guys why however you want
Speaker 1: to look at? Him all the charge is? Dropped, yeah
Speaker 1: so what's, Funny? Kathy WHEN i, Do i've actually had
Speaker 1: people Go it doesn't matter who you. Know they THEY
Speaker 1: i swear To, god people that don't understand our legal.
Speaker 1: System it means. Everything if there's SOME i can say,
Speaker 1: this if there's some dick that no one, likes like
Speaker 1: literally no one. Likes what happens is the other, judges
Speaker 1: the judges don't like that defense, attorney the das don't like,
Speaker 1: him they don't think anything good about. Him you don't
Speaker 1: want to hire that. Person you want to hire somebody
Speaker 1: Like joe, that for over twenty, years has established relationships
Speaker 1: with every, judge EVERY, da every DA's, office and he
Speaker 1: can he can do better for you than. Anybody And,
Speaker 1: KATHY i think that's what happened to.
Speaker 3: Here, yeah well, THANKS i, mean thank you your.
Speaker 1: Show yeah we heard about him well AND i really
Speaker 1: you appreciate that, You. KATHY i do appreciate, it and people,
Speaker 1: REALLY i, Mean, dimitri did you know that you've heard
Speaker 1: me do those? Spots, Yeah and it would be great
Speaker 1: to Get joe to join us in the studio one
Speaker 1: day to tell us some really fun stories from his.
Speaker 1: JOB i usually get him in what do you, Think
Speaker 1: susan maybe twice a, year and For, lucky he's a busy.
Speaker 1: GUY i love when he comes on right around Between
Speaker 1: thanksgiving And New year's because of The, diui because of The,
Speaker 1: dui because a lot of people out there think of
Speaker 1: what you. Will they have no idea how to react
Speaker 1: to an officer that is either stopping you at a
Speaker 1: checkpoint or one that pulls you over because your tail
Speaker 1: lights out and ask if you've been. Drinking a lot
Speaker 1: of people have no idea what to. Answer let's say
Speaker 1: you were At applebee's and you had a, beer or
Speaker 1: you were out at a steakhouse and you had a
Speaker 1: glass of. Wine it freaks people. Out they have no
Speaker 1: idea what to. Say and when we have them, mind
Speaker 1: you'll find out what to. Say but if you say
Speaker 1: the wrong, thing they can go through your entire. Car
Speaker 1: they can do all all kinds of. Things if you
Speaker 1: open the door to it three oh three seven one
Speaker 1: three a two five Five, Patrick you're next on the.
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Speaker 4: roofing dot. Com you don't pay a cent until you're
Speaker 4: content than time for an insurance check up, free no.
Speaker 4: Obligation in, comparison Call Compass insurance paying too much your
Speaker 4: coverage at dozens of insurance companies find out now three
Speaker 4: oh three seven seven to one. Help you'll think you're
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Speaker 4: Estate man dot com to list your home With Remax
Speaker 4: alliance three oh three nine two zero sixteen twenty.
Speaker 1: Two all, right three oh three seven one three a
Speaker 1: two five five nineteen fifty. Six that's when kN H
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Speaker 1: COM uh THREE o three seven one THREE a two five.
Speaker 1: Five Now patrick has a. Comment, patrick you own a
Speaker 1: landscaping company or what.
Speaker 18: Pat to irrigation? Company and THEN i used to work
Speaker 18: for an organic like lawn care company for a long.
Speaker 1: Time, cool what is your what is your comment On julie's?
Speaker 1: Issue And julie was the one they called up and
Speaker 1: were helping her in the. Background basically she had a
Speaker 1: sprinkler system put, in new side put in and the
Speaker 1: side is half. Dead we're going to get pictures of
Speaker 1: it and see it for. Ourselves but the other thing
Speaker 1: that happened is the guy who installed all this stuff
Speaker 1: came to turn the sprinklers on this year because he's
Speaker 1: the one that turned him off last year FOR i
Speaker 1: think that was part of the purchase. Thing and he, said,
Speaker 1: well this thing's all messed. Up there's NOTHING i can
Speaker 1: do because apparently you've had someone else try to do,
Speaker 1: something and she, says no one else has touched. It go, Ahead, Patrick,
Speaker 1: WELL i.
Speaker 18: Just don't understand how someone else came over there before
Speaker 18: the sprinklers got turned on number, one number two or?
Speaker 1: Why, yeah of, course.
Speaker 18: Where is the shut? Off because when you properly blow
Speaker 18: out a sprinkler, system you have to backflow it through a,
Speaker 18: drain and if you, don't then, yeah things are going
Speaker 18: to break. Outside but another thing, is, well hold, on here's.
Speaker 1: What they, said and THIS i didn't quite dig into,
Speaker 1: it but we're going to get pictures of this as.
Speaker 1: Well when he installed it APPARENTLY i have no idea,
Speaker 1: WHY i honestly, don't but he didn't want to go
Speaker 1: through her dry, wall so he installed some kind of
Speaker 1: hodgepodge OF pvc pipe and other pipes on the outside
Speaker 1: of the. House something. CRAZY i have no, idea but
Speaker 1: we're going to get pictures of.
Speaker 18: It, well the thing is is, like if you can't
Speaker 18: back blow the system back through the house or back
Speaker 18: through a stopping waste which is the ones that are
Speaker 18: in the ground like you know, sixty then you the
Speaker 18: water is going to be in the. System you haven't
Speaker 18: blown it out. Correctly so but the other thing is
Speaker 18: that's that's that's bothering, me is that THERE'S pbc above the.
Speaker 1: Ground, yeah it's crazy.
Speaker 18: Code that is not. Code you can't do.
Speaker 1: That, well a lot of people Simply, PATRICK i get,
Speaker 1: it you do things, Right but there's a lot of
Speaker 1: people that simply don't do things. Right.
Speaker 18: Man, WELL i mean the, Best, well the most important
Speaker 18: part of a blowout is back blowing it through a. Drain,
Speaker 18: yeah and not leaving any water in the. Backflow you
Speaker 18: can leave water in the ground and it won't freeze, Typically,
Speaker 18: yeah but you gotta blow out the water above. Ground
Speaker 18: but you can't USE. Pbc that just shows right, there
Speaker 18: what a.
Speaker 1: Clown i'm gonna be so curious to see these. Pictures
Speaker 1: and we're gonna be talking about this guy. Tomorrow i'm
Speaker 1: gonna see the. Pictures we're gonna get them up on
Speaker 1: our YouTube. Channel BUT i really do appreciate, That. Patrick
Speaker 1: now speaking of, landscapers And i'll hop back to the.
Speaker 1: PHONES i got to read, This luna. Clause we had
Speaker 1: a person call up and they had a horrible time
Speaker 1: with the construction. Company in the name of the, Company
Speaker 1: i'm looking at the. Contract this goes back To april twenty,
Speaker 1: second twenty Twenty Luna landscaping And CONSTRUCTION llc service. Contract
Speaker 1: that's what's at the. Top, now what's. Amazing AND i
Speaker 1: have quoted The luna clause so many times over the.
Speaker 1: Years going to read it to. You it's not that,
Speaker 1: long And i'm going to read it to you. Verbatim
Speaker 1: this is at the end of the. Contract so the
Speaker 1: client signs and Then luna. Signs that's the guy's last
Speaker 1: name at the bottom of the. Contract this goes back
Speaker 1: To luna did not do what the contract. Says the
Speaker 1: contract literally spells out what he's going to. Do luna
Speaker 1: did not do what the contract. Says but when the
Speaker 1: client complained To, Luna luna pointed out The luna clause
Speaker 1: at the end of the, contract Which i'm staring.
Speaker 9: At it's.
Speaker 1: Unbelievable in, fact people are going to Think i'm making it.
Speaker 1: Up it Says please note this contract can be terminated
Speaker 1: at any given time By luna or management if there
Speaker 1: are any alterations that are considered, unacceptable such as, discrimination
Speaker 1: any type of verbal or physical abuse Towards luna or
Speaker 1: workers Of, luna or if the client change mind without prior,
Speaker 1: notice and if he or she refuses the Material luna.
Speaker 1: Use so if you order a stone retaining wall And
Speaker 1: luna wants to use, brick or If luna wants to use,
Speaker 1: mud you better accept it because you are giving up
Speaker 1: your right to not use What luna wants to.
Speaker 15: DO i.
Speaker 1: Digress let me. Finish at the time of breaking the,
Speaker 1: contract deposit that client given will be lost in his
Speaker 1: Entire if CLIENT i love this, last this is the last. Sentence,
Speaker 1: yeah this is the. Best this is the. Best if
Speaker 1: client slash home homeowner Or luna decide to break, contract
Speaker 1: THE pc the percent of money deposit giving The luna
Speaker 1: will not be, returned no, exceptions thank. You so think about.
Speaker 1: This if, client homeowner Or luna decides to break the,
Speaker 1: contract so the guy that wrote the contract decides to
Speaker 1: break the, contract the guy that wrote, It luna gets
Speaker 1: keep all your. Money you don't even have to break.
Speaker 1: It luna can break in doing this is literally a real.
Speaker 1: Thing so when you hear us talk about The Luna,
Speaker 1: agreement where this comes from is you can't simply put
Speaker 1: anything in a. CONTRACT i can't write a contract to
Speaker 1: anybody in this room That i'm going to fix your.
Speaker 1: Car BUT i can use WHATEVER i want to fix.
Speaker 1: IT i can use whatever TIMEFRAME i, WANT i can
Speaker 1: use what every. Parts in, FACT i can consider your
Speaker 1: car fixed IF i look at, it and that's at
Speaker 1: the bottom of the. Contract so then when you pick
Speaker 1: your car up And i've literally done nothing to, IT
Speaker 1: i point to the major clause and, say right there
Speaker 1: at the, bottom you agreed IF i looked at your,
Speaker 1: car then it's, fixed SO i get to keep all your.
Speaker 5: Money all, Right, Well, mark let's not gloss over an
Speaker 5: important fact in that document that you just. Read, yes
Speaker 5: it ends with a thank, you which is a, good,
Speaker 5: polite proper way of doing.
Speaker 1: That La, luna very, polite, lunapolitelite. Lunapolite it sounds like
Speaker 1: la la bricket Or luna. Polite all, right who's up,
Speaker 1: next let's see? Here question on jury? Duty, hey what's your, Question?
Speaker 1: Kenny on jury? Duty, well my.
Speaker 21: Son's twenty years old and he went to uh or
Speaker 21: got a note for jury duty about a month. Ago
Speaker 21: he built up the thing online That i'm in school full,
Speaker 21: TIME i can't be. There then they send back the. Letter,
Speaker 21: okay you got you can only have one, excuse and
Speaker 21: now you've got to Come june. Thirtieth, well he's already
Speaker 21: going to be at a town on vacation and a
Speaker 21: family reunion in a. WEDDING i, mean how DO i.
Speaker 1: Well you, mean how does he straighten it? Out BUT
Speaker 1: i understand your. Question how does? He, HONESTLY i want
Speaker 1: to Ask Joe. LAZARA i, MEAN i don't. Know does
Speaker 1: anybody here are you experts at getting out of jury?
Speaker 1: DUTY i don't know how it. Works, Hey, kelly can
Speaker 1: we try to Get lazara? ON i would like to ask,
Speaker 1: him tell them it's a real quick jury duty. QUESTION
Speaker 1: i didn't even know the. One excuse did you guys know? That,
Speaker 1: No i've heard that. Before excuse have you guys ever been? Called? Oh,
Speaker 1: YEAH i have hold, on hold, on hold, On. Kenny
Speaker 1: we're going to try to get somebody up and then
Speaker 1: bob el em hold. ON i have lived In Douglas
Speaker 1: county since nineteen ninety, three ninety. THREE i have not
Speaker 1: been summoned for jury duty one single time in over thirty.
Speaker 1: Years i'm. Convinced i'm on honest lest your name is.
Speaker 1: ON i Think i've been. Blackballed, YEAH i think you
Speaker 1: don't watch you thirty years? Now why WOULD i be.
Speaker 1: BLACKLISTED i have no criminal Nothing i'll talk about. No i'm,
Speaker 1: KIDDING i have No, no, seriously, SERIOUSLY i have no.
Speaker 1: Convictions god that even sounds. Weird hold, on, Everybody.
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Speaker 4: Frank durand the real Estate man dot com to list
Speaker 4: your home With Remax alliance three oh three nine two
Speaker 4: zero sixteen twenty.
Speaker 9: Two all, Right.
Speaker 1: Paul The waterman waterpros dot. Net he's got a system right.
Speaker 1: Now that was twenty five hundred. Bucks now it's only
Speaker 1: nineteen hundred and ninety, five less than two thousand dollars
Speaker 1: for probably arguably the best waters often are out. There
Speaker 1: it's a computerized. Model it's. Unbelievable it'll actually treat your entire,
Speaker 1: house not just one or two. Showers but think about,
Speaker 1: it better, water, softer. Water it's better for your, skin
Speaker 1: it's better for your. Pipes it's just. Better we got
Speaker 1: a system from, Him my, Goodness, uzanne what was it
Speaker 1: maybe two years, ago a year and a half something
Speaker 1: Like that's a little bit talk about maintenance. Free we
Speaker 1: got to add a little bit of salt to, it
Speaker 1: maybe once every six, months but other than, that it's maintenance.
Speaker 1: Free it works. Perfectly suzanne loves how her skin feels
Speaker 1: and her hair and all. That and, HONESTLY i was
Speaker 1: only happy with the. PRICE i got prices from two
Speaker 1: or three other. Companies paul was half the. Price check
Speaker 1: them out at waterpros dot. Net waterpros dot. Net NOW
Speaker 1: i want to take this comment real quick on who
Speaker 1: is who's on? Two isn't that our? Guy Hey, bob l,
Speaker 1: em what's going on Many? BOB i don't know what
Speaker 1: happened To. BOB i guess we'll just say asta Lavista.
Speaker 1: Bob all, Right, Hey, kenny back to. You on jury,
Speaker 1: duty we found a couple of things. Out ONE i
Speaker 1: couldn't Get joela's err, on but we're actually texting another.
Speaker 1: Attorney But bo found something interesting. Online what county is
Speaker 1: this that your kid has jury duty? In that he's
Speaker 1: trying to postpone because he's going on.
Speaker 21: Vacation, uh, Well, County, okay is your?
Speaker 11: Student is your? Son is the full time student or part?
Speaker 9: Time full?
Speaker 21: Time, WELL i.
Speaker 11: Just looked On.
Speaker 6: Google it says a if you have a current school
Speaker 6: schedule showing that you're a full time, student you can
Speaker 6: get excused from jury.
Speaker 1: Service has he tried? That as he said he's a.
Speaker 8: Full time, student he's not a student in the.
Speaker 1: Summertime, WELL i don't think summer would.
Speaker 21: TOWN i think he's going to go back To kansas
Speaker 21: and work for my family on the farm for three.
Speaker 21: Months he's not even going to be, HERE i.
Speaker 1: Think tell him he's moving out of state for the. Summer,
Speaker 1: yeah why wouldn't you say he's moving out of? State
Speaker 1: then good? Point if he literally. Is i'm not, saying
Speaker 1: don't lie Because, kenny you started. This he was going on.
Speaker 1: Vacation now he's moving out of state to work for the,
Speaker 1: uncle WHICH i don't care. About but don't don't don't
Speaker 1: get into it with the judge like, that.
Speaker 9: Right, right?
Speaker 3: Right, well it's.
Speaker 19: Both that's he's going to go back there for for.
Speaker 1: Work sounds like The luna clause, No, Kenny and.
Speaker 21: There's also a family, reunion and they're all.
Speaker 1: Keep the family reunion in vacation at me and call
Speaker 1: up and, say, Hey i'm. Moving i'm moving to go
Speaker 1: work in. Wherever, Okay, yeah that's WHAT i would.
Speaker 21: Do they can't, stay, well you can't go out of
Speaker 21: state and work because you've got. Jury, dude they can't do.
Speaker 1: That, no but he's not even going to be living.
Speaker 1: Here that's what you got to tell. Him he's literally
Speaker 1: not going to be in the. State don't frame it
Speaker 1: like you started as a vacation and we. Are we
Speaker 1: are Still. Kelly did you reach out To Dan? KAPLIS i.
Speaker 16: Did he hasn't gotten back to me, Yet.
Speaker 1: Okay and then we also reached out To Joe. Lazara so, listen,
Speaker 1: man we'll get an update on it and even talk
Speaker 1: tomorrow if we're on the right. Page but to, me
Speaker 1: it sounds. RIGHT i, mean what boat read about. It if
Speaker 1: you're a full time, student you don't have to. Go
Speaker 1: so let's let we're gonna find. Out so in, Fact
Speaker 1: kelly grab his. Information when we find out one hundred percent,
Speaker 1: affirmively affirmatively from one of our, attorneys we'll go from.
Speaker 1: THERE i do want to SAY i have never been
Speaker 1: chosen in thirty. YEARS i said that, before not one, Time,
Speaker 1: dmitri you ever been Called.
Speaker 5: YEAH i get those jury duty notifications every couple of.
Speaker 5: Years AND i was actually in a jury about, six,
Speaker 5: seven maybe eight years ago In.
Speaker 1: Denver that's absolutely. Incredible NOW i want to talk To Jordan.
Speaker 1: Keano we talked with your dad early this. Morning we
Speaker 1: were running different. Numbers but on these annuities you guys
Speaker 1: sell and folks out, there, listen there's bad annuities out.
Speaker 1: There there's no doubt about. It in, fact we were
Speaker 1: talking about one during our financial. Show listen to. This
Speaker 1: you want to hear a bad. Annuity this guy bought
Speaker 1: an annuity twenty years ago to twenty years, ago twenty years,
Speaker 1: ago sixty thousand. Dollars guess what it's worth right. Now
Speaker 1: the guy's. Not it's. Crazy in, FACT i hate to
Speaker 1: even ask, you a, guest but give a gift case
Speaker 1: well three.
Speaker 5: Hundred based on the context of how you present this,
Speaker 5: STORY i would say it's worth sixty seven and a
Speaker 5: half thousand.
Speaker 1: Dollars that would be. Generous that would be. Generous, yeah
Speaker 1: it would sing me two thousand dollars after twenty. Years
Speaker 1: it was a fixed, annuity meaning it was like point
Speaker 1: zero zero one percent each, year two thousand dollars in twenty.
Speaker 1: Years worst Annuity i've ever heard, about besides ones where
Speaker 1: if you do, die basically your kin doesn't get. Anything
Speaker 1: it's sad to see what's out.
Speaker 17: There and that's why these products that we're talking about
Speaker 17: have not only startup bonuses for anybody who gets in.
Speaker 17: There they get a fifteen percent bonus that's working with them,
Speaker 17: guaranteed but working with them day one in the. Market
Speaker 17: so that means that they get the gains the market's,
Speaker 17: up but when the market comes down or, crashes they
Speaker 17: get to lock those. IN i mean right, NOW s
Speaker 17: AND p five hundreds still hat a negative six percent
Speaker 17: from year to.
Speaker 1: Date people wouldn't have lost. Anything you wouldn't have lost.
Speaker 1: It but if THE s AND p was up twelve,
Speaker 1: percent what would? Happen if you get those, games you
Speaker 1: participate in, it so it goes up notches in doesn't go. Down,
Speaker 1: LISTEN i say this all the. Time don't put all
Speaker 1: your eggs in one, basket but think about this guaranteed
Speaker 1: money when you. RETIRE i always use the. Example NOW
Speaker 1: i love using the fifty year old, example but my
Speaker 1: favorites the twenty two year old ten thousand. Dollars you
Speaker 1: buy an annuity at twenty, two it's worth over a
Speaker 1: million dollars at sixty, five and at seventy it's probably
Speaker 1: one and a half million or. Something. Crazy think of
Speaker 1: leaving your grandson or your kids at, bam a million
Speaker 1: dollars when you retire you're dead in the grave and
Speaker 1: they can actually you're sitting there, going, wow my grandfather
Speaker 1: got it'd be so weird talking about your grandfather when
Speaker 1: you are a. GRANDFATHER i, mean that's. Nuts but think
Speaker 1: of a legacy along those.
Speaker 17: One that's the thing is it's a language of luck
Speaker 17: if you're be able to leave something behind to carry
Speaker 17: that legacy that torched. Forward and this is what people
Speaker 17: need to know is just having your money in areas
Speaker 17: that you don't have to ride the roller coaster.
Speaker 1: Anymore and then with having the long term care where
Speaker 1: that payment each month. Doubles and WHEN i, say you
Speaker 1: get that payment for the rest of your, life the
Speaker 1: second you turn that, on doesn't matter if you turn
Speaker 1: it on at sixty or eighty. Whatever it's built to
Speaker 1: you get a certain amount of money to the day you,
Speaker 1: die even if you live to be one hundred and,
Speaker 1: Twenty god bless. You but if you need long term,
Speaker 1: care and almost all of us at some, point if
Speaker 1: you live long, enough well it. Doubles so think about.
Speaker 1: That that could actually go to pay for someone coming
Speaker 1: into your house or just long term care at a.
Speaker 1: Facility that's, right that's double. Important but it's guaranteed. Money
Speaker 1: i'm not saying you don't have other stuff that might
Speaker 1: grow faster or go down, faster but think of a.
Speaker 1: Guarantee check in that. Mailbox everybody hold. Tight go with
Speaker 1: a sure.
Speaker 4: Thing Denver's Best Roofer Excel roofing dot. Com you don't
Speaker 4: pay until you're contenth time for an insurance checkup, free
Speaker 4: no obligation comparison Call Compass insurance paying too much your
Speaker 4: coverage at dozens of insurance companies find out now three
Speaker 4: oh three seven seven one. Help you'll think you're his
Speaker 4: only customer when you Choose frank durand the real Estate
Speaker 4: man dot com to list your home With Remax alliance
Speaker 4: three oh three nine two zero sixteen twenty two