WEBVTT 1 00:00:00.800 --> 00:00:10.759 Yeah, rip dum news needs who you don't have? 2 00:00:13.000 --> 00:00:15.400 Come run into success as we can. 3 00:00:16.719 --> 00:00:21.039 Shooter's gonna help coming, man, This is. 4 00:00:21.000 --> 00:00:22.320 The Troubleshooter Show. 5 00:00:22.960 --> 00:00:27.519 No Tom Martino, Hi Tom Martino here, Welcome to the show. 6 00:00:27.559 --> 00:00:32.399 You know I often start the show by saying, the 7 00:00:32.439 --> 00:00:34.399 only show of us kind to anywhere in the universe, 8 00:00:34.439 --> 00:00:38.719 which is true. No one focuses on solving problems directly 9 00:00:39.640 --> 00:00:42.520 and giving advice and tips in everyday life, and not 10 00:00:42.560 --> 00:00:45.159 trying to change your politics or religion. Oh we talk 11 00:00:45.240 --> 00:00:48.159 about that stuff, and nothing to try to change you 12 00:00:48.280 --> 00:00:51.679 or to make you a to make you a zealot 13 00:00:51.679 --> 00:00:52.640 of one kind or another. 14 00:00:53.000 --> 00:00:54.359 We love doing what we do. 15 00:00:54.399 --> 00:00:57.320 But I gotta say something else, and what I thought 16 00:00:57.320 --> 00:01:00.640 about it. I think it's the only only show or 17 00:01:00.679 --> 00:01:04.359 the the I think we've given more help to to 18 00:01:04.480 --> 00:01:07.680 people than any other show or any other form of media. 19 00:01:08.000 --> 00:01:10.319 And that's why I love that saying we have media 20 00:01:10.760 --> 00:01:13.400 with a purpose. I've been adding up just a few 21 00:01:13.439 --> 00:01:16.760 of these casual cases that we've had just since the 22 00:01:16.799 --> 00:01:20.079 beginning of this year, and we're into the millions already, 23 00:01:20.319 --> 00:01:24.799 and cash, merchandise exchanges, refunds, and services. 24 00:01:25.079 --> 00:01:26.799 Now I'm going to take Joseph. 25 00:01:26.879 --> 00:01:30.400 He's a possible victim of a fraud of some kind. 26 00:01:30.599 --> 00:01:32.200 And that's right in line with what I want to 27 00:01:32.239 --> 00:01:33.040 talk about today. 28 00:01:33.799 --> 00:01:40.519 First, let's take a tally here like a teacher Shannon present, right, yeah, 29 00:01:40.519 --> 00:01:42.840 at Shina present. 30 00:01:42.719 --> 00:01:47.480 Here major mark major not not own. 31 00:01:47.840 --> 00:01:49.719 How the access is available today? 32 00:01:50.480 --> 00:01:54.760 Oh, come on, no, it's a thing we gotta we 33 00:01:54.879 --> 00:01:56.000 gotta do something about that. 34 00:01:57.040 --> 00:02:01.560 He can call in anyway. So Deputy Doc you in 35 00:02:01.560 --> 00:02:02.040 the studio. 36 00:02:03.000 --> 00:02:05.719 Probably I'm ready to go, okay. 37 00:02:05.359 --> 00:02:08.319 And then we have some deputies remote and other depths 38 00:02:08.319 --> 00:02:11.800 in parts unknown because it's a good vacation time. I 39 00:02:11.840 --> 00:02:15.599 want to remind everyone you can text me, and you 40 00:02:15.639 --> 00:02:18.919 can text me at my private Google number. And this 41 00:02:19.080 --> 00:02:22.000 is private twenty four to seven. It's my number, so 42 00:02:22.560 --> 00:02:26.919 it goes right to me seven four seven nine nine 43 00:02:27.080 --> 00:02:32.360 nine fifty two eighty. Okay, So you can call there 44 00:02:33.240 --> 00:02:35.520 and text there. If you call, you got to leave 45 00:02:35.520 --> 00:02:37.319 a message most of the time because I'm not going 46 00:02:37.360 --> 00:02:40.840 to pick up. But I use it mainly for texting, 47 00:02:41.159 --> 00:02:43.080 and no one's been abusing it. By the way, it's 48 00:02:43.120 --> 00:02:46.280 seven four seven nine nine nine fifty two eighty. You know, 49 00:02:46.360 --> 00:02:48.719 I out to see if three Zho three Martinos available 50 00:02:49.520 --> 00:02:52.240 for that text. I don't know anyway, I don't know 51 00:02:52.240 --> 00:02:54.439 how to do that. I actually I'm going to figure 52 00:02:54.479 --> 00:02:59.120 that out. So anyway, people welcome. Okay, Now, one thing 53 00:02:59.159 --> 00:03:01.319 I do want to talk about today is right in 54 00:03:01.400 --> 00:03:05.719 line with our first caller. First, let's take Joseph Joseph's 55 00:03:05.719 --> 00:03:07.759 call and see what it has to do with let 56 00:03:07.800 --> 00:03:09.000 me key in on it. 57 00:03:09.120 --> 00:03:10.240 Joseph, what's going on? 58 00:03:11.439 --> 00:03:11.639 Well? 59 00:03:11.759 --> 00:03:12.360 How you doing? 60 00:03:12.400 --> 00:03:14.560 Thank you doing good? Joseph? What's going on? Man? 61 00:03:15.800 --> 00:03:16.000 Well? 62 00:03:16.280 --> 00:03:18.800 I want to say first, I like your positive attitude 63 00:03:18.960 --> 00:03:21.479 because what I have for you is a very dark story. 64 00:03:21.759 --> 00:03:27.080 Oh man, I can't see it as dark because that'll 65 00:03:27.080 --> 00:03:29.439 get me down. Now tell me what's going on man, 66 00:03:29.840 --> 00:03:31.759 the humor and the absurdity in it. 67 00:03:32.439 --> 00:03:34.199 Yeah, I've been dealing with uh. 68 00:03:34.879 --> 00:03:38.319 With some individuals who have an unusual relationship with the 69 00:03:38.319 --> 00:03:42.960 Boulder County Sheriff's Office. I can't tell you how that 70 00:03:43.000 --> 00:03:47.360 came about. I don't know anything. When you say dealing accusations. 71 00:03:47.879 --> 00:03:49.599 When you say dealing, you got to fill in all 72 00:03:49.639 --> 00:03:51.879 the blanks. They'll talk what do you mean deal? Talking 73 00:03:51.879 --> 00:03:52.159 about it? 74 00:03:52.240 --> 00:03:55.120 Yeah, prompts me as I go make sure because I'm 75 00:03:55.120 --> 00:03:55.680 not good at this. 76 00:03:55.759 --> 00:03:57.599 So what are we talking about? A business deal? You 77 00:03:57.639 --> 00:03:58.919 are in a consumer deal? What? 78 00:04:00.639 --> 00:04:04.560 No, these were friends of mine for about fifteen years before. 79 00:04:04.599 --> 00:04:05.199 What about them? 80 00:04:06.199 --> 00:04:09.520 Well, I faced some difficult circumstances. I was very sick 81 00:04:09.560 --> 00:04:12.639 from when I was a little kid, and just in 82 00:04:12.680 --> 00:04:14.960 the past couple of years the illness was identified and 83 00:04:15.000 --> 00:04:16.000 effectively cured. 84 00:04:16.600 --> 00:04:17.519 What was it back then? 85 00:04:19.360 --> 00:04:22.120 It's it was a form of depression. Everybody thought it 86 00:04:22.160 --> 00:04:24.839 was an illness of the brain, but it turned out 87 00:04:24.879 --> 00:04:27.240 to be a hormonal problem. They just missed it. 88 00:04:28.079 --> 00:04:32.519 Yes, right, So listen, mental illness, depression, bipolarity, all of 89 00:04:32.560 --> 00:04:35.879 these things are tied to our bodies and our minds together, 90 00:04:35.959 --> 00:04:38.399 and they're all one you very much. So anyway, I 91 00:04:38.399 --> 00:04:41.199 don't know why people separate them. But anyway, Joseph, so 92 00:04:41.399 --> 00:04:44.360 you were dealing with friends. Keep your story going. Let's 93 00:04:44.360 --> 00:04:45.240 hear what you got to say. 94 00:04:45.279 --> 00:04:50.120 Go ahead, Well, I lost both parents within five years. 95 00:04:49.759 --> 00:04:51.639 Okay, and that's the depressed thing. 96 00:04:52.680 --> 00:04:52.959 Tough. 97 00:04:53.079 --> 00:04:54.879 Yeah, And with the and when was this? How long 98 00:04:54.879 --> 00:04:56.399 ago would you lose him? How long? 99 00:04:57.720 --> 00:05:00.800 I lost my mother in twenty thirteen and my father 100 00:05:00.959 --> 00:05:04.560 under horrible circumstances in twenty fifteen. He was told by 101 00:05:04.600 --> 00:05:07.439 his own surgeons because I'm failed to read a lab report. 102 00:05:07.680 --> 00:05:09.279 So you got a lot going on in your life. 103 00:05:09.319 --> 00:05:11.000 I hear it in your voice. I hear that you're 104 00:05:11.040 --> 00:05:13.279 still a little down. So what's going on? What can 105 00:05:13.319 --> 00:05:15.920 we do for you today? 106 00:05:16.319 --> 00:05:20.240 Well, why I need is a little direction because these 107 00:05:20.360 --> 00:05:21.720 friends I stayed with. 108 00:05:22.240 --> 00:05:24.600 Y Shannon got it. 109 00:05:25.439 --> 00:05:28.040 Listen, we got to wait for our delay here and 110 00:05:28.079 --> 00:05:31.360 we got to come back to him. Can somebody school 111 00:05:31.399 --> 00:05:34.800 and please, we got to be very careful. Can somebody 112 00:05:34.800 --> 00:05:37.800 tell him that, please look at I don't know where 113 00:05:37.800 --> 00:05:41.199 we're going with the story. I'll take the story. I'll 114 00:05:41.240 --> 00:05:45.199 talk about it, but I'm going to predict what this is. 115 00:05:46.040 --> 00:05:52.160 He's very depressed, he's very down. Life's dealtham and now 116 00:05:52.519 --> 00:05:57.839 he's collecting these injustices and trying to make a pattern 117 00:05:58.079 --> 00:06:02.519 or a theme. And if they connect together, it justifies 118 00:06:02.600 --> 00:06:06.000 his feelings. If they don't connect together, he thinks the 119 00:06:06.120 --> 00:06:13.480 universe is out to get him, and then that's what happens. 120 00:06:14.639 --> 00:06:16.680 I'm gonna let him tell his story. Maybe he's been 121 00:06:16.720 --> 00:06:18.839 ripped off. Maybe there's something we can do to help. 122 00:06:19.199 --> 00:06:27.399 But folks, here's what's wonderful. About knowing people. After forty 123 00:06:27.399 --> 00:06:31.800 five years of talking to people, I have found something unique, 124 00:06:31.959 --> 00:06:37.079 not unique, something enlightening that we're all exactly the same. 125 00:06:37.680 --> 00:06:41.680 I swear to God we all have or share the 126 00:06:41.759 --> 00:06:48.639 same feelings. Now some of us will embrace the certain 127 00:06:48.680 --> 00:06:50.879 parts of the If you look at the feelings as 128 00:06:50.920 --> 00:06:59.240 a giant corral, we all have all of the feelings, 129 00:06:59.279 --> 00:07:00.439 and I mean all of them. 130 00:07:00.839 --> 00:07:04.199 I mean extreme love, extreme hate. 131 00:07:05.319 --> 00:07:10.800 We have depression, we have joy, we have hypochondriac, we 132 00:07:10.879 --> 00:07:15.839 have I'm healthy. We have every feeling of every emotion 133 00:07:16.519 --> 00:07:19.879 is in that corral, and we're all people, so we're 134 00:07:19.920 --> 00:07:24.240 all capable of experiencing them. We all have fleeting thoughts, 135 00:07:24.720 --> 00:07:28.000 even of homicide. I'm not saying we plot a homicide. 136 00:07:28.040 --> 00:07:31.279 You know, you know what I'm saying. And so what 137 00:07:31.319 --> 00:07:37.040 I'm saying is this, in that corral, we decide what 138 00:07:37.160 --> 00:07:41.800 we're going to rope and what we're going to latch onto. 139 00:07:42.560 --> 00:07:45.560 Some people latch onto just all those negative things in 140 00:07:45.560 --> 00:07:49.120 that corral. Some people latch on to all the positive 141 00:07:49.120 --> 00:07:53.240 things in that corral. And no matter what, whatever you 142 00:07:53.319 --> 00:07:56.040 latch onto, you're going to concentrate on, and then you're 143 00:07:56.079 --> 00:07:58.839 going to collect more and more of them. But that 144 00:07:58.879 --> 00:08:02.279 coral is filled with every everything. So when people call me, 145 00:08:03.720 --> 00:08:05.639 I know what they're latching on too, because I felt 146 00:08:05.639 --> 00:08:08.360 it and I could have chosen that, and we all can. 147 00:08:08.639 --> 00:08:11.160 We all know when we listen to callers here, if 148 00:08:11.160 --> 00:08:14.199 we're totally honest, no matter how whacked we think they 149 00:08:14.240 --> 00:08:16.839 are or how wonderful we think they are, we all 150 00:08:16.879 --> 00:08:18.399 have shared their feelings. 151 00:08:18.560 --> 00:08:22.079 There's no new feeling under the sun. Nothing new. 152 00:08:23.040 --> 00:08:26.720 Now the wackos will take the extreme violent feelings and 153 00:08:26.920 --> 00:08:31.439 believe that they need to act on them. Sensible people think, 154 00:08:31.720 --> 00:08:35.000 what if I ever did that? Oh no, never. We 155 00:08:35.039 --> 00:08:37.679 all have these thoughts. We're not We're not crazy or 156 00:08:37.679 --> 00:08:40.759 we're not super sayane. We just have these thoughts. It's 157 00:08:40.799 --> 00:08:43.080 what we corral, it's what we lasso. 158 00:08:43.480 --> 00:08:46.240 Do you think it's all voluntary? Tom, Well, what do 159 00:08:46.240 --> 00:08:46.480 you mean? 160 00:08:46.639 --> 00:08:46.840 Well? 161 00:08:46.840 --> 00:08:48.519 Hold on now, I was gonna oki that. Okay. 162 00:08:48.759 --> 00:08:50.879 So if I'm a cowboy sitting on the corral looking 163 00:08:50.919 --> 00:08:53.240 out into my corral deciding what I'm going to last, 164 00:08:53.279 --> 00:08:58.399 so what I'm going to rope into my into my life, 165 00:08:58.000 --> 00:09:01.440 I think it's an influenced by all kinds of stuff. 166 00:09:01.639 --> 00:09:04.399 If I got a frickin thorn on the fence that 167 00:09:04.440 --> 00:09:06.919 I just sat on, and it's in my ass and 168 00:09:06.960 --> 00:09:10.480 I'm hurting and I'm in extreme physical pain all the time. 169 00:09:11.000 --> 00:09:13.879 I don't look necessarily at all the good stuff in 170 00:09:13.879 --> 00:09:14.440 that corral. 171 00:09:14.519 --> 00:09:16.320 I think, God, this is terrible. 172 00:09:16.320 --> 00:09:18.840 I'm feeling terrible, and you latch onto some of the 173 00:09:18.919 --> 00:09:22.679 terrible things. Or maybe my hormones are off. That's something 174 00:09:23.000 --> 00:09:26.919 I think. Sometimes people are just born with the genes 175 00:09:26.960 --> 00:09:30.360 of crazy people. I don't, you know, look at well, 176 00:09:30.559 --> 00:09:32.960 there's nothing new. Who knows. I don't know the answer, 177 00:09:33.039 --> 00:09:35.759 but I do know this. I do know that some 178 00:09:35.840 --> 00:09:38.879 of its choice, but not all of its choice. And 179 00:09:39.240 --> 00:09:41.679 that goes down to every single feeling in the world. 180 00:09:42.039 --> 00:09:45.399 Some of its choice, not all of it is you know, alcoholism? 181 00:09:45.519 --> 00:09:46.279 Is it a choice? 182 00:09:46.600 --> 00:09:49.039 I think part of it is, but part of it 183 00:09:49.120 --> 00:09:53.159 is a sensitivity maybe to alcohol, and where they get 184 00:09:53.159 --> 00:09:54.720 a yearning where other people don't. 185 00:09:55.840 --> 00:09:56.080 You know. 186 00:09:56.320 --> 00:09:59.720 Look at some people can do painkillers after surgery and 187 00:10:00.080 --> 00:10:02.039 or go back to them and never miss them and 188 00:10:02.080 --> 00:10:05.159 never care about them. Others feel it and go whoa, 189 00:10:05.919 --> 00:10:11.519 And then what the medication does? What painkillers and antidepressants 190 00:10:11.759 --> 00:10:15.120 and alcohol and all of that stuff does is when 191 00:10:15.159 --> 00:10:17.399 you're sitting up on your corral, looking out into that 192 00:10:17.440 --> 00:10:21.559 corral of numerous feelings and emotions, it kind of helps you. 193 00:10:22.039 --> 00:10:25.639 It filters out some of the bad, so you think, 194 00:10:26.279 --> 00:10:29.639 and so it helped you to tackle the. 195 00:10:29.559 --> 00:10:30.519 Things in the corral. 196 00:10:31.080 --> 00:10:34.399 Now, in my opinion that the best way to go 197 00:10:34.480 --> 00:10:38.600 through that corral is to embrace whatever you're feeling. Not 198 00:10:39.039 --> 00:10:43.200 super violent all that, but recognize, hey, this guy lost 199 00:10:43.240 --> 00:10:46.679 his parents, maybe his friends and all this, so you're depressed. 200 00:10:46.960 --> 00:10:50.360 It's okay. Where we make the mistake is thinking that 201 00:10:50.679 --> 00:10:53.240 we can't be depressed. Of course we can. We don't 202 00:10:53.240 --> 00:10:55.480 want to be depressed every day twenty four to seven 203 00:10:55.519 --> 00:10:56.399 for fifty years. 204 00:10:56.559 --> 00:10:57.879 But it's okay to feel bad. 205 00:10:58.000 --> 00:11:00.440 I think we're the what happens to most people when 206 00:11:00.440 --> 00:11:03.000 they start feeling bad, they're told they shouldn't feel bad, 207 00:11:03.039 --> 00:11:05.480 so then they start fighting feeling bad, and then they 208 00:11:05.519 --> 00:11:07.919 even take drugs not to feel bad, when if they 209 00:11:08.080 --> 00:11:10.600 just felt bad in the beginning for one or two 210 00:11:10.679 --> 00:11:13.879 or three weeks because they had some bad circumstances, they 211 00:11:13.879 --> 00:11:17.240 would have gotten over it. We're fighting, not feeling bad, 212 00:11:17.360 --> 00:11:19.720 not feeling bad. Sometimes you feel bad, then you get 213 00:11:19.759 --> 00:11:22.120 over it. I mean, I don't want to preach too much, 214 00:11:22.159 --> 00:11:24.120 but I swear to God. I mean, I hear this 215 00:11:24.399 --> 00:11:27.279 for forty five years. You learn after talking to people, 216 00:11:27.600 --> 00:11:32.360 there are people who simply latch on to certain parts 217 00:11:32.759 --> 00:11:35.960 of their feelings, and we all have them. Even though 218 00:11:36.000 --> 00:11:40.600 we say all that person's whacked, we secretly have felt 219 00:11:41.159 --> 00:11:45.639 minor twinges of those feelings. But we just did not 220 00:11:46.000 --> 00:11:48.840 lasso them. We didn't tie them to our. 221 00:11:48.759 --> 00:11:51.519 Breeches and walk around the rest of our lives with them. 222 00:11:51.600 --> 00:11:54.639 We got more coming up. Listen, the show's crazy, right. 223 00:11:54.919 --> 00:11:56.600 I don't make any excuse that I've been doing it 224 00:11:56.639 --> 00:11:59.759 for so long and we managed to make it, don't we. 225 00:12:00.120 --> 00:12:04.440 So the point is this, Okay, it's okay to go 226 00:12:04.519 --> 00:12:07.679 through that corral and feel both feel up, feel down, 227 00:12:08.039 --> 00:12:12.120 feel in between, feel hate, feel love. I mean, there's 228 00:12:12.240 --> 00:12:17.080 no one feeling that should take over ever. Waterpros dot 229 00:12:17.120 --> 00:12:19.840 Net will get you wonderful water at your kitchen, saying, 230 00:12:20.120 --> 00:12:22.399 I mean, I love this stuff, and you know what 231 00:12:22.720 --> 00:12:23.960 it's It's amazing. 232 00:12:24.000 --> 00:12:26.000 For fourteen hundred bucks, It'll change your life. 233 00:12:26.039 --> 00:12:30.440 If you're gonna do nutrition, then consider water systems. Waterpros 234 00:12:30.440 --> 00:12:33.240 dot Net Paul Thewaterman dot com three oh three eight 235 00:12:33.320 --> 00:12:37.360 six two five five five four more. Right after this, 236 00:12:42.240 --> 00:12:45.480 go with a sure thing Denver's Best roofer Excel Roofing 237 00:12:45.600 --> 00:12:48.240 dot com. You don't pay a cent until you're content. 238 00:12:49.799 --> 00:12:54.080 Wait time for an insurance check up free, no obligation. 239 00:12:54.120 --> 00:12:57.919 In comparison, call Compass insurance paying too much your coverage 240 00:12:57.960 --> 00:13:00.639 at dozens of insurance companies find out now three all 241 00:13:00.679 --> 00:13:01.799 three seven to seven to one. 242 00:13:01.919 --> 00:13:02.159 Help. 243 00:13:02.320 --> 00:13:05.000 You'll think you're his only customer when you choose Frank 244 00:13:05.039 --> 00:13:07.480 durand the real estate Man dot com to list your 245 00:13:07.519 --> 00:13:10.639 home with Remax Alliance three all three nine two zero 246 00:13:10.799 --> 00:13:19.559 sixteen twenty two. Hi Tom Martino, you're troubleshooter. A lot 247 00:13:19.600 --> 00:13:22.519 of discussion online here, well not a lot, but on 248 00:13:22.559 --> 00:13:26.440 my YouTube channel here we get people who discuss back 249 00:13:26.480 --> 00:13:29.000 and forth things on and off the show and life 250 00:13:29.039 --> 00:13:31.799 in general. On the opening ceremonies of the Olympics, I 251 00:13:31.840 --> 00:13:33.320 know a lot of people were offended, a lot of 252 00:13:33.360 --> 00:13:35.120 people didn't care, a lot of people thought it was 253 00:13:35.639 --> 00:13:41.519 great and whatever. But I didn't understand, to be honest 254 00:13:41.559 --> 00:13:43.840 with you, I didn't understand the significance anyway, If you're 255 00:13:43.840 --> 00:13:45.919 gonna have it had nothing to do with the Olympics. 256 00:13:45.919 --> 00:13:48.519 That's all I have to I mean, you know, it's like, why, 257 00:13:49.039 --> 00:13:52.000 that's what I didn't understand. I'm not going to go 258 00:13:52.080 --> 00:13:54.879 so far as to think agendas are being pushed or something, 259 00:13:54.879 --> 00:13:58.799 but I just don't understand. Sometimes with anything people do 260 00:13:59.159 --> 00:14:01.200 the context, I just don't understand it. 261 00:14:01.279 --> 00:14:04.960 Maybe if they explained it, we'd know better. Joseph. 262 00:14:05.720 --> 00:14:09.720 Okay, Joseph suffered from years of depression, and he's starting 263 00:14:09.799 --> 00:14:13.080 to tell us about some problems he's having. But we 264 00:14:13.159 --> 00:14:16.519 haven't gotten to that. So Joseph, let's try to keen 265 00:14:16.600 --> 00:14:19.799 on your problem. And by the way, don't say bad words. 266 00:14:19.840 --> 00:14:21.000 I had to nix you before. 267 00:14:21.159 --> 00:14:24.279 Now you said, this is my first time on the air. 268 00:14:24.399 --> 00:14:28.240 Tom, It's okay, Joseph. Joseph, Pretend you're talking to a priest. 269 00:14:28.799 --> 00:14:30.279 Pretend you're talking to a priest. 270 00:14:30.320 --> 00:14:32.240 Father, Tom, I have a priest. 271 00:14:32.320 --> 00:14:32.720 I love. 272 00:14:33.320 --> 00:14:35.799 Okay, So listen, Joseph. 273 00:14:35.960 --> 00:14:40.200 On the friends thing they were getting the Sheriff's department 274 00:14:40.320 --> 00:14:42.440 was getting reports. They were beating the crap out of you. 275 00:14:42.519 --> 00:14:45.039 Let me ask you something. Who was making these reports? 276 00:14:46.759 --> 00:14:51.080 Well, by that time, these are people I knew for 277 00:14:51.159 --> 00:14:53.480 fifteen years these boys, they were brothers. 278 00:14:53.759 --> 00:14:56.919 But why were who made reports? Just answer me. 279 00:14:57.000 --> 00:15:00.360 I got to keep you here, man, who who? Otherwise 280 00:15:00.360 --> 00:15:01.879 we're going to have what we had the other day of. 281 00:15:03.519 --> 00:15:05.039 Okay, by a county agency. 282 00:15:05.200 --> 00:15:07.840 Let me ask you this why okay, hold on, Joseph. 283 00:15:08.320 --> 00:15:11.360 In all of my years, I have never had a 284 00:15:11.399 --> 00:15:15.440 county agency check on me. So why would a county 285 00:15:15.639 --> 00:15:19.639 agency get report that you were having the crap beat 286 00:15:19.679 --> 00:15:21.960 out of you? Do they come and visit you on 287 00:15:22.000 --> 00:15:25.360 a regular basis? Are you under some kind of program? 288 00:15:26.240 --> 00:15:28.559 No, not at all. It was it that sort of arrangement. 289 00:15:29.039 --> 00:15:34.519 Then how did the Sheriff's department get a report that 290 00:15:34.679 --> 00:15:37.200 these guys were beating the crap out of you? 291 00:15:39.200 --> 00:15:41.679 I discussed it with one of the social workers at 292 00:15:41.679 --> 00:15:42.720 the agency, I told her. 293 00:15:43.039 --> 00:15:45.799 But hold on, Joseph, stop nope, nope, nope. When you 294 00:15:45.879 --> 00:15:48.360 stop making sense, then I have to go back. When 295 00:15:48.399 --> 00:15:51.960 you said you discussed it with somebody at the agency. 296 00:15:52.240 --> 00:15:55.919 Why did you call a social services agency? 297 00:15:57.840 --> 00:15:57.919 No? 298 00:15:58.200 --> 00:15:58.799 They called me. 299 00:15:59.279 --> 00:16:01.840 Now okay, see, now do you see where this is 300 00:16:01.919 --> 00:16:05.639 not making say? As I said, in all of my years, 301 00:16:05.840 --> 00:16:09.360 I've never been called listen, you don't get to set 302 00:16:09.360 --> 00:16:12.360 the agenda. I tried that and it doesn't work. Do 303 00:16:12.440 --> 00:16:14.559 you want to shut up? Do you want to shut 304 00:16:14.639 --> 00:16:18.440 up and get some help? I'm serious, Okay, I'm taking control. 305 00:16:18.080 --> 00:16:20.399 Of the conversation. And here's what I'm going to ask. 306 00:16:20.720 --> 00:16:25.879 Number one, Why did a social service agency call you 307 00:16:25.919 --> 00:16:29.080 in the first place? That's our first question and answer what? 308 00:16:29.080 --> 00:16:30.200 What is the answer to that? 309 00:16:33.279 --> 00:16:36.799 Because after I lost my parents, yes, I approached them. 310 00:16:37.480 --> 00:16:41.399 I had a qualifying diagnosis of an unknown type of depression. 311 00:16:41.639 --> 00:16:45.960 I was eligible for services by college statute. That might 312 00:16:46.120 --> 00:16:48.799 it might be better for me to receive those until 313 00:16:48.840 --> 00:16:49.879 things stabilized than. 314 00:16:49.879 --> 00:16:53.360 My Okay, So did they periodically call you to check 315 00:16:53.399 --> 00:16:55.559 on you? 316 00:16:55.600 --> 00:16:55.679 Not? 317 00:16:55.840 --> 00:16:58.759 For a while? They were, They were supposed to, but they. 318 00:16:58.600 --> 00:16:59.559 Were rather okay. 319 00:16:59.799 --> 00:17:03.799 So, so upon this one call they made, you told 320 00:17:03.879 --> 00:17:08.839 them or you discussed something about being maybe physically beaten 321 00:17:08.920 --> 00:17:09.559 or abused. 322 00:17:10.920 --> 00:17:13.079 I'll tell you exactly what I told them, sir, Good, 323 00:17:13.400 --> 00:17:16.920 go ahead, I said, I said, these these guys are 324 00:17:16.920 --> 00:17:19.960 my friends. They're behaving in a way that I've never 325 00:17:20.000 --> 00:17:23.799 seen them behave before, and I cannot strike my friends. 326 00:17:24.200 --> 00:17:26.359 These are people who have treated me well for years. 327 00:17:26.720 --> 00:17:29.559 I know them really well. I know something's wrong here. 328 00:17:30.000 --> 00:17:32.000 So now did you but did you say that they 329 00:17:32.079 --> 00:17:35.960 were hitting you? I did? 330 00:17:36.440 --> 00:17:38.759 Okay, God, keep going, because I wanted to. 331 00:17:38.839 --> 00:17:41.880 I wanted to diffuse it. I wanted to nod, and 332 00:17:42.000 --> 00:17:43.920 I wanted to diffuse it myself if I could. We're 333 00:17:43.960 --> 00:17:44.720 all young. 334 00:17:44.480 --> 00:17:47.759 Men, and Joseph, were they like fooling around or were 335 00:17:47.759 --> 00:17:50.599 they really hurting you? 336 00:17:50.680 --> 00:17:53.519 Well, as it escalated, it became quite dangerous. They were 337 00:17:53.599 --> 00:17:54.279 really hurting me. 338 00:17:55.039 --> 00:17:57.279 And what did Social services do about it? 339 00:17:58.799 --> 00:18:03.759 Social Services? What happened was interesting. Social Services contacted the 340 00:18:03.759 --> 00:18:07.279 Sheriff's department, ask the deputy and a couple of paramedics 341 00:18:07.279 --> 00:18:08.519 to come out and look me over. 342 00:18:09.079 --> 00:18:10.799 Okay, good, and then what. 343 00:18:12.759 --> 00:18:16.079 Well, as soon as the I have the records from 344 00:18:16.119 --> 00:18:17.400 the communications center at. 345 00:18:17.319 --> 00:18:18.799 The sheriff yeah, okay. 346 00:18:19.039 --> 00:18:20.000 Within a few. 347 00:18:19.799 --> 00:18:22.759 Minutes of the time that they received that report from 348 00:18:22.759 --> 00:18:26.279 the county, they received a parallel report under the same 349 00:18:26.960 --> 00:18:31.400 legal kind of concept from a physician attending to their mother, 350 00:18:32.480 --> 00:18:37.039 and it was basically a counter to the report about 351 00:18:37.039 --> 00:18:40.440 their sons. It alleged that I was abusive to her. 352 00:18:41.000 --> 00:18:41.359 Okay. 353 00:18:41.440 --> 00:18:44.480 So, in other words, when you made this report to 354 00:18:44.559 --> 00:18:49.519 Social Services and they called Boulder County these guys through 355 00:18:49.559 --> 00:18:52.319 a doctor made an opposite report. 356 00:18:53.640 --> 00:18:57.039 Yeah, with the they were received by the communications center 357 00:18:57.160 --> 00:18:57.920 minutes apart. 358 00:18:58.680 --> 00:19:01.359 Now I get it, does okay, So then what happened 359 00:19:01.359 --> 00:19:03.400 whatever that may mean, Then what happened that means? 360 00:19:03.599 --> 00:19:04.319 Then what happened? 361 00:19:04.359 --> 00:19:07.160 Well, a deputy comes out with the medics. They come 362 00:19:07.279 --> 00:19:09.319 visit me. I'm in my room at the time because 363 00:19:09.359 --> 00:19:11.680 I have a little COVID. It's nothing serious. I'm just 364 00:19:11.759 --> 00:19:15.759 resting there, and the deputy comes to me. He doesn't 365 00:19:15.759 --> 00:19:19.599 ask me any questions about my safety, and the medics 366 00:19:19.839 --> 00:19:23.200 don't examine me. They sort of just stand there. But 367 00:19:23.279 --> 00:19:26.519 he tells me, he lectures me for a while and says, 368 00:19:26.880 --> 00:19:29.440 I'm a pretty good bad guy for abusing this woman. 369 00:19:30.119 --> 00:19:33.119 Now what women are they talking about? What woman are 370 00:19:33.160 --> 00:19:34.839 they talking about? Your friend's mom? 371 00:19:36.119 --> 00:19:38.039 Yeah, and she was a dear lady to me. 372 00:19:38.279 --> 00:19:41.039 Now, now how did you But but hold on, do 373 00:19:41.119 --> 00:19:43.720 you visit her? Is that what they're saying, you visit her? 374 00:19:45.000 --> 00:19:45.079 No? 375 00:19:45.200 --> 00:19:46.880 I was staying in the family home. 376 00:19:47.279 --> 00:19:47.680 Okay. 377 00:19:47.720 --> 00:19:50.880 See that would have been the one to lead with. Okay, 378 00:19:50.920 --> 00:19:55.839 So yoh, Joseph. So the story starts out, you're living 379 00:19:55.880 --> 00:20:00.279 with these people, and then you told solcier services were 380 00:20:00.279 --> 00:20:02.880 mistreating you. And then the brother said, no, you're the 381 00:20:02.920 --> 00:20:04.000 one mistreating mom. 382 00:20:04.359 --> 00:20:05.799 I got it. What happened? 383 00:20:05.839 --> 00:20:08.920 Then, well what happened? 384 00:20:09.400 --> 00:20:14.599 Okay, So the deputy comes he he he tells me, 385 00:20:14.640 --> 00:20:18.119 I'm mistreating the old lady. God rest her soul. She's 386 00:20:18.119 --> 00:20:21.400 passed away. And I was a little bit socked. 387 00:20:21.119 --> 00:20:25.160 Because when did she pass away? When did she pass away? 388 00:20:25.720 --> 00:20:28.160 In twenty twenty two she suffered a heart or you know, 389 00:20:28.200 --> 00:20:30.119 in twenty twenty she suffered a heart attack. 390 00:20:30.640 --> 00:20:32.039 Okay, you didn get the right attention. 391 00:20:32.119 --> 00:20:35.640 So this was way back obviously, before she died, she 392 00:20:35.839 --> 00:20:38.799 reported to her doctor. Her doctor reported to the sheriff's apartment. 393 00:20:38.839 --> 00:20:42.559 So they wanted to counterclaim. They said, you're hurting the mom. 394 00:20:43.079 --> 00:20:46.400 The sheriff's deputies come out. Let's keep moving forward. What happened? 395 00:20:46.400 --> 00:20:50.440 Then nephuty comes out and he tells me, you know, 396 00:20:50.480 --> 00:20:54.559 whatever you're doing, knock it off. He didn't take me 397 00:20:54.599 --> 00:20:57.519 into custody, he didn't charge me. I wasn't taket it 398 00:20:57.599 --> 00:21:02.039 or anything. But I was surprised because my conversation with 399 00:21:02.079 --> 00:21:03.160 the mother has. 400 00:21:03.039 --> 00:21:05.880 Been Did they ever investigate the brothers hurting you? 401 00:21:07.160 --> 00:21:08.000 Absolutely not? 402 00:21:08.359 --> 00:21:11.400 Okay, okay, so let's keep let's keep moving forward. 403 00:21:11.480 --> 00:21:13.160 Let's keep moving forward. What happened then? 404 00:21:14.880 --> 00:21:19.759 So, okay, so we're at the deputy, right, Yeah. 405 00:21:19.680 --> 00:21:22.039 What happened? They investigated you. 406 00:21:22.279 --> 00:21:22.960 What happened? 407 00:21:24.480 --> 00:21:27.319 They talked to me briefly and left. They but they 408 00:21:27.359 --> 00:21:30.000 asked me no questions about my own safety. It was 409 00:21:30.039 --> 00:21:31.079 as if the refriend. 410 00:21:30.839 --> 00:21:33.599 I get it, as if they just didn't They didn't 411 00:21:33.640 --> 00:21:34.680 consider your complaint. 412 00:21:34.680 --> 00:21:37.079 They were just talking about the old lady. Then what happened? 413 00:21:40.519 --> 00:21:44.200 We move into a new phase where I begin hearing 414 00:21:44.200 --> 00:21:47.480 from the brothers. The brothers are affected by me. 415 00:21:47.480 --> 00:21:50.519 Meanwhile, were you still living there? Were you still living there? 416 00:21:51.680 --> 00:21:55.160 I was, okay, So in all of this, you were 417 00:21:55.240 --> 00:21:58.319 still living with the woman you were accused of beating 418 00:21:58.599 --> 00:22:02.400 and with the two brothers who were hoarded you. 419 00:22:02.640 --> 00:22:05.240 Yes, Then what happened? I was making my way. I 420 00:22:05.279 --> 00:22:08.640 was making my way out as I got better, Okay, 421 00:22:10.480 --> 00:22:12.960 because I was, I get it. Keep going, keep going, 422 00:22:13.039 --> 00:22:15.119 keep going, some success. What happened? 423 00:22:15.279 --> 00:22:15.880 Keep going? 424 00:22:16.119 --> 00:22:18.119 Gan to hear. What I began to hear from the 425 00:22:18.160 --> 00:22:23.480 brothers was you should have contacted those people. You brought 426 00:22:23.480 --> 00:22:24.720 the Sheriff's department here. 427 00:22:24.599 --> 00:22:27.799 Right, They were upset. I get it. They were upset, sure, 428 00:22:27.920 --> 00:22:28.720 sure they were. 429 00:22:28.759 --> 00:22:31.160 Well, where is all this going, Joseph? Where was all 430 00:22:31.200 --> 00:22:38.599 this going? What are you calling about today, Joseph, Joseph. 431 00:22:38.559 --> 00:22:41.200 What I would? What I was told was that if 432 00:22:41.200 --> 00:22:43.920 I called the Sheriff's department again, no matter how serious 433 00:22:43.960 --> 00:22:47.160 the beatings were, the Sheriff's department offered to simply arrest 434 00:22:47.279 --> 00:22:47.920 me instead. 435 00:22:49.359 --> 00:22:51.359 I get it, Joseph. They're they're kind of thinking that 436 00:22:51.519 --> 00:22:53.039 maybe you're false reporting or something. 437 00:22:53.559 --> 00:22:54.759 Here's what I want to know, Joseph. 438 00:22:54.799 --> 00:22:58.240 But Joseph, Joseph, time for me, now, time for me, 439 00:22:58.640 --> 00:23:01.799 Time for you to be quiet, Joseph. Otherwise we hang 440 00:23:01.880 --> 00:23:04.240 up and you go away. Okay, See that's easy for me. 441 00:23:04.319 --> 00:23:07.640 I just you hang up, you go away. I really 442 00:23:07.640 --> 00:23:09.599 want to help, but I can only help if I 443 00:23:09.640 --> 00:23:11.920 get direction. I'm not gonna let you ramble. That's not 444 00:23:11.960 --> 00:23:14.160 gonna happen anymore. So here's what I want to know. 445 00:23:15.680 --> 00:23:16.920 Have you moved out of there? 446 00:23:17.680 --> 00:23:18.960 Use I got it from others. 447 00:23:19.200 --> 00:23:21.160 You're a psychopath. Stop behaving the. 448 00:23:21.160 --> 00:23:25.079 Time I'm Joseph. If you're not gonna talk, do you 449 00:23:25.119 --> 00:23:26.759 want to you want to hang up? Hang up? 450 00:23:26.799 --> 00:23:29.480 If you want to go ahead if you want help, 451 00:23:29.519 --> 00:23:30.680 stay on. Did he hang up? 452 00:23:33.759 --> 00:23:36.400 Okay? Good, good, That's the best sound I heard all day. 453 00:23:36.680 --> 00:23:39.440 All right, JOSEPHS. Sorry that happened. It was a lot 454 00:23:39.480 --> 00:23:40.359 of waste of time. 455 00:23:40.640 --> 00:23:41.000 People. 456 00:23:41.279 --> 00:23:44.359 We gotta converse, You gotta make a story. Did he 457 00:23:44.440 --> 00:23:47.000 move out? Where did he go? What's happening now? Never 458 00:23:47.039 --> 00:23:49.240 got to that, did he? And I know my YouTube 459 00:23:49.240 --> 00:23:51.200 mora ons yoused to tell me don't interrupt people, And 460 00:23:51.240 --> 00:23:53.000 I'm sick and tired of that because when I let 461 00:23:53.000 --> 00:23:55.599 people talk, we're here for four hours and we still 462 00:23:55.640 --> 00:23:58.920 don't hear the story. So that's why I'm conducting the show. 463 00:23:59.079 --> 00:24:01.599 You're welcome to tune up. I want to help people, 464 00:24:01.599 --> 00:24:03.960 but we got to get to the fricking problem. 465 00:24:04.720 --> 00:24:05.920 We got more coming up. 466 00:24:09.359 --> 00:24:12.640 Go with a sure thing Denver's Best roofer Excel roofing 467 00:24:12.759 --> 00:24:15.400 dot com. You don't pay a cent until you're content. 468 00:24:18.759 --> 00:24:21.960 Time for an insurance check up free, no obligation. In comparison, 469 00:24:22.079 --> 00:24:25.640 call Compass Insurance paying too much your coverage at dozens 470 00:24:25.640 --> 00:24:28.359 of insurance companies. Find out now three oh three, seven 471 00:24:28.480 --> 00:24:31.279 seven to one help. You'll think you're his only customer 472 00:24:31.319 --> 00:24:33.599 When you choose Frank durand the real estate man dot 473 00:24:33.599 --> 00:24:36.960 Com to list your home with Remax Alliance three oh 474 00:24:36.960 --> 00:24:46.559 three nine two zero sixteen twenty two. Hi Tom Martino, 475 00:24:46.799 --> 00:24:50.759 your troubleshooter three oh three seven one three talk three 476 00:24:50.759 --> 00:24:53.599 O three seven one three eight two five five. 477 00:24:54.160 --> 00:24:55.279 Welcome to the show. 478 00:24:55.359 --> 00:24:57.359 We are here to help you solve your problems, answer 479 00:24:57.400 --> 00:25:01.759 your questions, and take your complaints. And Mark has a 480 00:25:01.799 --> 00:25:05.359 tenant landlord question about the new laws. 481 00:25:05.039 --> 00:25:07.880 And man, there are a lot of new laws. What's happening. 482 00:25:09.319 --> 00:25:12.400 Yeah, thanks for taking my call time, Yes, what's going on? 483 00:25:12.440 --> 00:25:12.559 Man? 484 00:25:12.680 --> 00:25:14.720 Question I have? So I'm a landlord. 485 00:25:14.799 --> 00:25:18.640 I have a couple of properties to properties, and I 486 00:25:18.680 --> 00:25:22.920 have a tenant that is continually just a month late 487 00:25:23.720 --> 00:25:30.599 on paying the rent and their least comes up September thirtieth, 488 00:25:31.720 --> 00:25:34.759 and I mean I'm trying to just figure out if 489 00:25:34.799 --> 00:25:38.079 I do like the demand for compliance, which is to 490 00:25:38.119 --> 00:25:40.160 get caught up, and then I try. 491 00:25:40.039 --> 00:25:41.839 To go Now, when you say caught up, did they 492 00:25:41.880 --> 00:25:43.599 ever miss a month or they just late? 493 00:25:47.480 --> 00:25:49.240 They're about thirty days late. 494 00:25:49.440 --> 00:25:51.799 I mean they'll give me like three hundred this week, 495 00:25:51.960 --> 00:25:54.680 and then they'll give me like or beginning of July, 496 00:25:54.839 --> 00:25:57.799 and then they'll give me one hundred a week later. 497 00:25:58.119 --> 00:26:01.680 So in other words, they they they finished paying for 498 00:26:01.839 --> 00:26:03.759 July at the end of the. 499 00:26:03.680 --> 00:26:08.160 Month, or in August they will, and then. 500 00:26:08.039 --> 00:26:10.559 What do they do about August? 501 00:26:11.480 --> 00:26:14.640 They kind of get that to me hopefully along the 502 00:26:14.640 --> 00:26:18.000 way in August or September is kind of how it works. 503 00:26:19.000 --> 00:26:26.119 Well, you can that that's a reason to end the lease, okay, okay, 504 00:26:26.880 --> 00:26:27.319 I mean. 505 00:26:27.880 --> 00:26:30.200 It's non compliance with the terms of the lease, which 506 00:26:30.240 --> 00:26:31.759 is payment due by a certain day. 507 00:26:31.920 --> 00:26:33.079 Do they pay late fees? 508 00:26:35.880 --> 00:26:39.960 I no, No, it's in the it's in the contract. 509 00:26:39.480 --> 00:26:41.200 For them to pay the late fees. 510 00:26:41.279 --> 00:26:42.799 But I'm just trying to get my mains. 511 00:26:42.839 --> 00:26:45.799 Well wait a minute, have you been have you been 512 00:26:45.920 --> 00:26:47.039 charging them late fees? 513 00:26:48.799 --> 00:26:49.279 I have not. 514 00:26:50.000 --> 00:26:52.519 Well, then, UK, do you have an accrual of late feest? 515 00:26:52.640 --> 00:26:54.799 Can you keep track of all of them? Because they 516 00:26:54.839 --> 00:26:56.920 have to pay those. That would be another reason to 517 00:26:57.000 --> 00:26:58.720 let them go if they don't pay them. 518 00:26:59.480 --> 00:27:02.680 Yeah, it's probably about five or six hundred dollars this 519 00:27:02.759 --> 00:27:07.319 year so far. So and laate fees yeah yeah, okay. 520 00:27:08.799 --> 00:27:11.880 Is now are you you're asking should you give them 521 00:27:11.920 --> 00:27:12.720 a chance secure? 522 00:27:12.799 --> 00:27:13.000 Yes? 523 00:27:14.759 --> 00:27:18.200 And I've done that and I did put that demand 524 00:27:18.279 --> 00:27:20.160 for compliance good. 525 00:27:20.400 --> 00:27:21.319 I had to stop by. 526 00:27:21.200 --> 00:27:23.119 Twice they weren't there. 527 00:27:23.200 --> 00:27:25.720 I put it on their door, and so they have 528 00:27:25.799 --> 00:27:28.599 ten days of cure. I'm just wondering, is the rest. 529 00:27:28.359 --> 00:27:30.759 Of this process is it? 530 00:27:30.799 --> 00:27:31.599 Is? 531 00:27:30.880 --> 00:27:30.920 It? 532 00:27:31.599 --> 00:27:31.880 Is it? 533 00:27:32.039 --> 00:27:33.920 Do I should I hire somebody. 534 00:27:33.559 --> 00:27:34.000 To do this? 535 00:27:34.200 --> 00:27:36.000 Or Okay, that's a good question. 536 00:27:36.200 --> 00:27:38.839 In other words, In other words, can you simply say 537 00:27:39.400 --> 00:27:43.119 you're not renewing the lease for cause and give them 538 00:27:43.119 --> 00:27:46.119 the proper notice? When is the lease up? 539 00:27:47.640 --> 00:27:48.759 September thirtieth? 540 00:27:49.319 --> 00:27:52.880 Okay, just so you know, just soon, you know, you 541 00:27:52.920 --> 00:27:54.720 don't have to wait till the end of the lease. 542 00:27:55.119 --> 00:27:56.960 You can evict them as well. 543 00:27:57.079 --> 00:28:00.119 So let's get Brad O'Brien on and see what what 544 00:28:00.200 --> 00:28:05.839 he thinks in general. Okay, three oh three seven one 545 00:28:05.920 --> 00:28:09.000 three talk three oh three seven one three eight two five. 546 00:28:09.000 --> 00:28:11.440 I hang on, We're gonna get Brad O'Brien on and 547 00:28:11.519 --> 00:28:13.640 see what he has to say about it. By the way, 548 00:28:14.240 --> 00:28:17.200 it's been scorching heat and then you're going to have 549 00:28:17.319 --> 00:28:18.920 your furnace being used. 550 00:28:18.680 --> 00:28:20.599 In a couple months eight eight eight. 551 00:28:20.680 --> 00:28:23.039 Heating dot Com can go through the whole system check 552 00:28:23.079 --> 00:28:25.200 it out free. Second opinions. If you're told you need 553 00:28:25.240 --> 00:28:28.559 a new one good honest people that you can trust 554 00:28:29.160 --> 00:28:32.359 three o three seven seven zero two seven seven six 555 00:28:38.519 --> 00:28:41.759 Go with a sure thing Denver's best roofer Excel Roofing 556 00:28:41.880 --> 00:28:44.519 dot com. You don't pay a cent until you're content. 557 00:28:47.880 --> 00:28:51.079 Time for an insurance check up free, no obligation. In comparison, 558 00:28:51.200 --> 00:28:54.759 call Compass Insurance paying too much your coverage at dozens 559 00:28:54.799 --> 00:28:57.519 of insurance companies find out now three oh three seven 560 00:28:57.599 --> 00:28:58.079 seven to one. 561 00:28:58.200 --> 00:28:58.480 Help. 562 00:28:58.640 --> 00:29:01.279 You'll think you're his only customer when you choose Frank 563 00:29:01.319 --> 00:29:03.799 durand the real estate Man dot com to list your 564 00:29:03.799 --> 00:29:07.000 home with Remax Alliance three all three nine two zero 565 00:29:07.079 --> 00:29:15.400 sixteen twenty two. Hi Tom Martino, your trouble shooter three 566 00:29:15.400 --> 00:29:18.640 oh three seven one three talks seven one three eight 567 00:29:18.680 --> 00:29:22.000 two five five Denver Regen dot com for stem cell therapy. 568 00:29:22.559 --> 00:29:24.559 And I had that therapy done, by the way, and 569 00:29:24.640 --> 00:29:27.039 I was in so much frickin pain, I almost didn't 570 00:29:27.079 --> 00:29:27.680 do the surgery. 571 00:29:27.720 --> 00:29:29.400 You might want to know why I did. 572 00:29:29.279 --> 00:29:31.920 It eventually, Anyway, I did it on purpose because of 573 00:29:31.960 --> 00:29:35.240 the the deteriorating bone was going to flare up sometime 574 00:29:35.279 --> 00:29:38.000 in the future. But the point I'm making is real 575 00:29:38.039 --> 00:29:41.759 stem cell therapy works where they extract the stem cells 576 00:29:41.839 --> 00:29:42.680 and reinject them. 577 00:29:42.680 --> 00:29:44.720 Regen. It's Denver Regen. 578 00:29:44.480 --> 00:29:48.240 Dot com and welcome to the show. Mark, you did 579 00:29:48.279 --> 00:29:50.640 finally get in right on an access here, so you're. 580 00:29:50.480 --> 00:29:53.039 In and uh, I'm here baby. Okay. 581 00:29:53.160 --> 00:29:57.279 So we have Brad O'Brien on who is our real 582 00:29:57.400 --> 00:30:01.319 estate expert olslaw dot com. He's a a real estate attorney. 583 00:30:01.640 --> 00:30:03.759 And there's a good question, Brad. I don't know if 584 00:30:03.759 --> 00:30:07.160 we've ever had this question directly, but Mark is a landlord, 585 00:30:07.359 --> 00:30:13.119 and Mark has a tenant who, through the year of 586 00:30:13.160 --> 00:30:18.799 the lease, has been chronically late. So, for example, on 587 00:30:18.920 --> 00:30:22.720 July's rent, he'll pay some of it late, some of. 588 00:30:22.680 --> 00:30:25.799 It on the fifteenth, some of it on the twenty fifth. 589 00:30:25.839 --> 00:30:27.279 By the end of the month he may have it 590 00:30:27.319 --> 00:30:30.920 all paid, or it goes into August. Then he starts 591 00:30:30.960 --> 00:30:34.599 paying on August, but he's chronically late and doesn't pay 592 00:30:34.640 --> 00:30:37.240 any of the late fees called for in the lease either. 593 00:30:38.000 --> 00:30:41.039 Now he wants to know does he have to let the. 594 00:30:41.000 --> 00:30:44.640 Guy know I'm not renewing your lease and why or 595 00:30:44.839 --> 00:30:47.519 how does that work under the just cause laws that 596 00:30:47.599 --> 00:30:48.519 were just passed. 597 00:30:49.359 --> 00:30:51.599 Yes, he'd have to give a ninety day notice that 598 00:30:51.640 --> 00:30:55.440 he's not going to renew the lease that passes termination. 599 00:30:56.359 --> 00:30:57.119 And one of. 600 00:30:57.079 --> 00:31:00.920 The stated reasons allowing you to do that is that 601 00:31:00.960 --> 00:31:03.880 they've been late on the rent at least three times, 602 00:31:04.160 --> 00:31:06.839 each time by more than ten days or ten day's 603 00:31:06.839 --> 00:31:09.960 a minimum, but each time the lander has to give 604 00:31:09.960 --> 00:31:14.599 that written ten day notice, and attendant didn't cure it. 605 00:31:15.839 --> 00:31:17.200 So there's a lot to do. 606 00:31:18.240 --> 00:31:23.000 Okay, so ninety days, I think you're all you're already late? 607 00:31:23.319 --> 00:31:23.519 Then? 608 00:31:23.839 --> 00:31:24.440 Is that true? 609 00:31:24.519 --> 00:31:25.400 Sir? No? No? 610 00:31:25.920 --> 00:31:28.559 Oh sorry, go ahead, go ahead, no mark? Are you? 611 00:31:30.000 --> 00:31:30.240 Yeah? 612 00:31:30.279 --> 00:31:32.640 It sounds like I'm already late because the least comes 613 00:31:32.720 --> 00:31:36.279 up it expires in September thirty thirtieth, so I pra 614 00:31:36.359 --> 00:31:39.200 have to go to October thirtieth or thirty first. And 615 00:31:39.640 --> 00:31:42.599 then from what it sounds like what Brad was saying 616 00:31:42.720 --> 00:31:47.119 is every month that they're late, I need to start 617 00:31:47.160 --> 00:31:50.279 the eviction process and have that done at least you 618 00:31:50.319 --> 00:31:53.519 said three times, right, the ten day notice? 619 00:31:54.119 --> 00:31:55.960 Wait a minute, so he has to give out three 620 00:31:56.000 --> 00:31:59.000 ten day notices before he can he can call them 621 00:31:59.079 --> 00:32:00.079 chronically late. 622 00:32:00.640 --> 00:32:03.640 Yes, in order to not in order to have grounds 623 00:32:03.640 --> 00:32:05.480 to not renew at the end of term. 624 00:32:06.519 --> 00:32:09.519 And you have what if he hasn't done it. He 625 00:32:09.599 --> 00:32:11.920 has to now start from now, that's. 626 00:32:11.759 --> 00:32:15.799 Right, see the purse. You're being a victim that for 627 00:32:16.039 --> 00:32:17.279 non payment of rent? 628 00:32:18.440 --> 00:32:20.880 Yes, so that's okay. So let's not talk about the 629 00:32:21.200 --> 00:32:24.279 lease right now. But let's just say right now, are 630 00:32:24.319 --> 00:32:25.440 they paid up for July? 631 00:32:26.640 --> 00:32:26.839 No? 632 00:32:27.559 --> 00:32:30.440 Are they paid up for June? Are they paid up 633 00:32:30.440 --> 00:32:31.240 for June? 634 00:32:31.480 --> 00:32:34.000 Okay? So you can evict. 635 00:32:33.680 --> 00:32:36.279 Them based on not paying July and in a few 636 00:32:36.359 --> 00:32:40.279 days for not paying August, you might. Do you feel 637 00:32:40.640 --> 00:32:43.720 that they're going to have July paid by what is 638 00:32:43.759 --> 00:32:46.400 it tomorrow or the next day? 639 00:32:46.559 --> 00:32:46.759 No? 640 00:32:47.799 --> 00:32:48.200 Okay? 641 00:32:48.279 --> 00:32:51.200 So will they have August ready? 642 00:32:51.359 --> 00:32:51.559 No? 643 00:32:52.440 --> 00:32:55.079 So then you can file for an eviction for two 644 00:32:55.119 --> 00:32:56.200 months of non payment? 645 00:32:59.440 --> 00:32:59.799 Okay? 646 00:33:00.119 --> 00:33:02.559 Do I have to wait until August tenth? 647 00:33:02.599 --> 00:33:03.000 I guess? 648 00:33:03.039 --> 00:33:05.359 Or ten days after the beginning August two? 649 00:33:05.519 --> 00:33:05.680 Now? 650 00:33:05.680 --> 00:33:08.400 Why did you pick ten days? Did you hear that somewhere? 651 00:33:10.440 --> 00:33:12.759 It just kind of my head is as far as 652 00:33:12.880 --> 00:33:13.960 like I. 653 00:33:13.880 --> 00:33:17.799 Thought, I Well, Brad, let's say, Brad, August, let's say 654 00:33:17.839 --> 00:33:19.039 August second. 655 00:33:18.720 --> 00:33:19.839 And third or third? 656 00:33:19.920 --> 00:33:25.359 Does the least call for a payment of August first? Yes, 657 00:33:26.079 --> 00:33:29.960 So let's say August second or third, Neither July has 658 00:33:30.000 --> 00:33:34.680 been completed nor August has been done. Brad, can he 659 00:33:34.960 --> 00:33:37.240 file for eviction right then? Or the ten day notice 660 00:33:37.319 --> 00:33:37.759 or whatever? 661 00:33:38.160 --> 00:33:40.319 Yeah, when when the rent is one day late, then 662 00:33:40.400 --> 00:33:43.000 you can give the ten day notice and then if 663 00:33:43.039 --> 00:33:44.920 they don't pay within that ten days, that's when you 664 00:33:44.920 --> 00:33:45.480 can file. 665 00:33:45.319 --> 00:33:46.400 A core complaint for eviction. 666 00:33:48.079 --> 00:33:48.440 Okay? 667 00:33:48.720 --> 00:33:49.680 And can they picked? 668 00:33:49.759 --> 00:33:50.920 Can can they come back to you? 669 00:33:51.720 --> 00:33:52.160 Hold on? 670 00:33:52.240 --> 00:33:55.359 Hold on, sir, we have to Brad O'Brien seven to 671 00:33:55.519 --> 00:33:57.839 zero three seven zero seventy three eighty eight more. 672 00:33:57.839 --> 00:33:58.720 Coming right up. 673 00:34:00.079 --> 00:34:03.759 With a sure thing Denver's Best roofer Excel Roofing dot com. 674 00:34:03.799 --> 00:34:05.839 You don't pay a cent until you're content. 675 00:34:07.400 --> 00:34:11.679 Wait time for an insurance check up free, no obligation 676 00:34:11.800 --> 00:34:15.679 comparison call Compass Insurance paying too much your coverage at 677 00:34:15.719 --> 00:34:18.480 dozens of insurance companies find out now three all three 678 00:34:18.599 --> 00:34:21.719 seven seven one help. You'll think you're his only customer 679 00:34:21.760 --> 00:34:24.039 when you choose Frank durand the real estate Man dot 680 00:34:24.039 --> 00:34:27.400 com to list your home with Remax Alliance three all 681 00:34:27.400 --> 00:34:32.559 three nine two zero sixteen twenty two. 682 00:34:30.159 --> 00:34:35.480 Yea ripped. 683 00:34:37.159 --> 00:34:40.239 News need so you don't have. 684 00:34:42.360 --> 00:34:48.440 Come runs as fast as can Shooter's gonna help come. 685 00:34:49.559 --> 00:34:55.039 Six is the Troubleshooter Show. No Tom Martinez, Hi. 686 00:34:55.079 --> 00:34:57.599 Tom Martino here, Welcome to the show. Three all three 687 00:34:57.719 --> 00:35:01.920 seven one three talks seven one three eight five five 688 00:35:02.119 --> 00:35:05.119 Here to help you with what we can and we 689 00:35:05.239 --> 00:35:08.239 have a bunch of stuff to talk about. One of 690 00:35:08.280 --> 00:35:10.840 the things, you know, I find it odd and I 691 00:35:11.400 --> 00:35:16.400 really think about this, if we talk about things in 692 00:35:16.440 --> 00:35:20.440 the presidential elections, if the candidates and the parties talk 693 00:35:20.480 --> 00:35:25.119 about things affecting Americans, they always talk about the you know, 694 00:35:25.199 --> 00:35:30.960 the main the economy, of course, and they talk about immigration, right, 695 00:35:31.000 --> 00:35:34.920 the borders, and they'll talk about abortion and reproductive riots, 696 00:35:34.960 --> 00:35:37.920 and they'll talk about what other issues are hot blends, 697 00:35:38.000 --> 00:35:40.159 homeless crisis possibly. 698 00:35:41.679 --> 00:35:45.760 That kind of stuff. Right, Never once in all of 699 00:35:45.800 --> 00:35:49.239 the years of listening. 700 00:35:50.320 --> 00:35:55.079 To candidates, Oh, they mentioned taxes too, right, But do 701 00:35:55.199 --> 00:35:57.039 they ever mention consumer fraud? 702 00:35:57.760 --> 00:35:58.920 I have never once. 703 00:35:59.000 --> 00:36:04.079 You hear crime, you know, and defunding police or not 704 00:36:04.199 --> 00:36:10.199 defunding police, but you never, ever, ever, ever ever hear 705 00:36:10.639 --> 00:36:13.840 a candidate address consumer fraud. 706 00:36:14.519 --> 00:36:18.480 Well that's because they put under the crime ban or Tom. 707 00:36:18.239 --> 00:36:21.360 Not really not really when they talk about crime, they 708 00:36:21.360 --> 00:36:23.239 mostly talk about violent crime. 709 00:36:23.760 --> 00:36:26.519 And they talk about that, but really. 710 00:36:26.920 --> 00:36:30.679 Consumer fraud has always taken a Vactually, no one has ever. 711 00:36:30.519 --> 00:36:31.440 Talked about it yet. 712 00:36:31.840 --> 00:36:35.960 I'll bet you more money is lost through consumer fraud 713 00:36:37.039 --> 00:36:40.920 than almost any other segment of life. 714 00:36:41.519 --> 00:36:44.239 It's fraud, especially cyber fraud. 715 00:36:44.280 --> 00:36:48.599 Now the closest we came to addressing consumer legislation. The 716 00:36:48.679 --> 00:36:52.519 last president to do that would have been Obama. With 717 00:36:52.639 --> 00:36:55.400 credit cards, you know, late fees and stuff. He did 718 00:36:55.400 --> 00:36:59.199 a little to curb some of that, and payday loans. 719 00:36:59.800 --> 00:37:03.280 I think governments did something, I think on state levels 720 00:37:04.480 --> 00:37:07.119 on the abusive nature of payday loans. And of course 721 00:37:07.559 --> 00:37:09.639 a lot of people would say they're not abusive, and 722 00:37:10.679 --> 00:37:15.239 but what I'm saying is just the topic. But can 723 00:37:15.280 --> 00:37:21.760 you imagine, I don't it touches everyone, But they never 724 00:37:21.960 --> 00:37:24.800 talk about it. They never say we're going to go 725 00:37:24.840 --> 00:37:28.480 after the people who are scheming your parents and grandparents 726 00:37:28.599 --> 00:37:32.440 or whatever. Maybe it's not sexy and popular, but it's 727 00:37:32.519 --> 00:37:34.840 amazing that they never talk about it. 728 00:37:34.920 --> 00:37:36.599 Do you know that. Listen to this. 729 00:37:37.360 --> 00:37:42.679 There's this one couple who had two million, three hundred 730 00:37:42.719 --> 00:37:48.760 and ninety three dollars taken from their account with electronic 731 00:37:48.800 --> 00:37:52.639 transfers from an employee of a bank or an insider 732 00:37:53.400 --> 00:37:57.920 who falsified records and took the money. In the Western 733 00:37:58.239 --> 00:38:01.719 it was the US Attorney's Office that prosecuted this in 734 00:38:01.760 --> 00:38:04.880 the Western District of Missouri. Now, my hat's off to 735 00:38:04.920 --> 00:38:07.719 them that they found this thirty six year old woman 736 00:38:08.880 --> 00:38:10.519 and she pleaded guilty. 737 00:38:10.159 --> 00:38:11.000 To bank fraud. 738 00:38:12.159 --> 00:38:16.559 But guess what, no restitution from anyone, not from the bank, 739 00:38:17.280 --> 00:38:18.639 at least not automatically. 740 00:38:19.199 --> 00:38:21.719 Now that might have to be a civil case. Who knows. 741 00:38:23.679 --> 00:38:27.920 She drained accounts, so no, that wasn't one couple. I'm sorry, 742 00:38:28.119 --> 00:38:33.559 these were various accounts they took. She took two thousand 743 00:38:33.559 --> 00:38:37.840 and three ninety three to eighty eight, and she transferred 744 00:38:37.840 --> 00:38:42.039 the funds to herself and her family. Now, fraud like 745 00:38:42.079 --> 00:38:44.880 this is not unheard of. I mean, we get credit 746 00:38:44.880 --> 00:38:49.119 card fraud all the time, fishing fraud, delivery fraud, I mean, god, 747 00:38:49.159 --> 00:38:52.119 there's just so many. It's like people stay up at 748 00:38:52.239 --> 00:38:55.920 night thinking about fraud. And we don't really have a 749 00:38:56.000 --> 00:39:01.719 government that takes consumer frauds seriously, really don't. I mean 750 00:39:01.760 --> 00:39:04.519 they make busts now and then like this one, but 751 00:39:04.719 --> 00:39:10.360 it's not really up there on their list of bad guys. Bill, 752 00:39:11.480 --> 00:39:13.639 you want to talk about a prenup what's going on? 753 00:39:14.599 --> 00:39:16.800 Oh hi Tom Latino, thanks for taking the call. 754 00:39:17.079 --> 00:39:18.480 Yes, Bill, what's going on? 755 00:39:19.320 --> 00:39:19.519 Well? 756 00:39:20.840 --> 00:39:25.840 My, uh, my father in law home was owned in 757 00:39:26.039 --> 00:39:29.280 trust which was left to his children and grandchildren. He 758 00:39:29.360 --> 00:39:32.599 made a prenup with his then wife which said that 759 00:39:32.679 --> 00:39:34.320 he could live in the house. She could live in 760 00:39:34.320 --> 00:39:36.960 the house rent free for as long as she wanted. 761 00:39:37.440 --> 00:39:41.440 The prenup also stated there would be a set aside 762 00:39:41.480 --> 00:39:44.960 an amount of money that would be set aside for 763 00:39:45.039 --> 00:39:45.960 expenses related. 764 00:39:46.000 --> 00:39:47.920 Now, when did the father When did the father in 765 00:39:48.000 --> 00:39:48.920 law die? 766 00:39:49.960 --> 00:39:51.559 About three years ago? 767 00:39:53.000 --> 00:39:56.800 Okay, and keep going, Okay. 768 00:39:56.719 --> 00:39:59.800 So there's a Now the big question here is is 769 00:40:00.360 --> 00:40:04.400 there's about a third of that left. And we want 770 00:40:04.400 --> 00:40:05.239 to know is when. 771 00:40:05.039 --> 00:40:07.480 The third of what a third of what left. 772 00:40:07.599 --> 00:40:11.440 Of the money left it set aside to maintain the home, 773 00:40:12.079 --> 00:40:12.280 you know? 774 00:40:13.079 --> 00:40:16.480 And what does the prenups say? He's she could live 775 00:40:16.559 --> 00:40:17.840 there for her? 776 00:40:18.239 --> 00:40:20.280 Did it? Was it a life estate? She could live 777 00:40:20.320 --> 00:40:21.239 there her whole life? 778 00:40:22.199 --> 00:40:25.320 Well, that's just it. It's open ended. It says that 779 00:40:27.039 --> 00:40:29.840 when she leaves the residents or dies, the remainder of 780 00:40:29.880 --> 00:40:33.800 such fun shall be distributed to the. 781 00:40:32.760 --> 00:40:35.159 Okay, Well, but what does it say about her living 782 00:40:35.239 --> 00:40:39.599 in the home as long as she wants, okay, Well, 783 00:40:39.599 --> 00:40:42.480 then that that's as long as she wants then okay. 784 00:40:42.519 --> 00:40:45.679 And then during that time there was money set aside 785 00:40:45.960 --> 00:40:50.639 for maintenance, right, correct? And when that money is used up, 786 00:40:50.679 --> 00:40:51.639 does it address what. 787 00:40:51.679 --> 00:40:54.199 Happens that's the problem. 788 00:40:54.239 --> 00:40:56.920 It doesn't, Well, then it's not a problem because then 789 00:40:56.960 --> 00:41:00.760 she has to cover it, okay. 790 00:41:00.840 --> 00:41:03.519 And I don't see why. I mean, did she make 791 00:41:03.599 --> 00:41:04.519 noises about it. 792 00:41:06.840 --> 00:41:06.920 No. 793 00:41:07.199 --> 00:41:09.840 As a matter of fact, we're not sure what she 794 00:41:10.119 --> 00:41:12.599 thinks is going to happen when that runs out, and 795 00:41:12.639 --> 00:41:14.360 we just want to make sure we have all our 796 00:41:14.480 --> 00:41:17.000 ducks in a row or options that we have Okay. 797 00:41:17.159 --> 00:41:19.320 Now I'm not giving legal advice. 798 00:41:19.400 --> 00:41:21.559 I mean I would just assume if it's not addressed 799 00:41:22.000 --> 00:41:25.519 and there's a maintenance issue, who is the owner of 800 00:41:25.559 --> 00:41:33.119 the home the trust okay, and she is simply living there, 801 00:41:33.159 --> 00:41:34.719 what happens when she leaves? 802 00:41:36.119 --> 00:41:39.719 We would sell the house and distribute the proceeds. 803 00:41:39.840 --> 00:41:41.760 Is that what the trust says, is that what the 804 00:41:41.800 --> 00:41:43.079 trust document tells. 805 00:41:42.880 --> 00:41:43.280 You to do. 806 00:41:44.519 --> 00:41:49.440 It does yes, says the remainder of such funds shall 807 00:41:49.480 --> 00:41:53.039 be distributed if there's anything left over, and this is 808 00:41:53.039 --> 00:41:59.079 from a prenup. The trust says we sell the property. 809 00:41:59.639 --> 00:42:00.639 And how old is she? 810 00:42:02.519 --> 00:42:05.000 About eighty one? 811 00:42:05.880 --> 00:42:09.519 Okay, so what is your concern? What happens when the 812 00:42:09.559 --> 00:42:11.159 maintenance money runs out? 813 00:42:11.920 --> 00:42:13.760 Yes, does the trust have to continue? 814 00:42:13.840 --> 00:42:15.360 You know what, I don't know the answer. 815 00:42:15.440 --> 00:42:17.880 I said she would be responsible, I mean my gut, 816 00:42:18.119 --> 00:42:20.039 but I'm not sure she would be. I mean she's 817 00:42:20.159 --> 00:42:25.079 like a tenant. Really, she's living rent free. But you, guys, 818 00:42:25.280 --> 00:42:30.360 or the trust owns the home, you know, let's ask 819 00:42:32.199 --> 00:42:37.239 let's ask our one of our state planning attorneys what 820 00:42:37.280 --> 00:42:40.000 he Let's try to get Dan mackenzie on. 821 00:42:41.760 --> 00:42:43.679 And let's just figure it out. Bill. 822 00:42:43.719 --> 00:42:46.960 We'll try to get an attorney on to address this again. 823 00:42:48.679 --> 00:42:52.360 Somebody might say, well, the trust owns the house and 824 00:42:52.400 --> 00:42:56.119 she's simply living there, she should not need to be responsible. 825 00:42:56.719 --> 00:43:00.119 This was the money set aside in her name or 826 00:43:00.159 --> 00:43:02.400 was it set aside within the trust? 827 00:43:03.159 --> 00:43:05.599 It was set aside in trust. 828 00:43:05.880 --> 00:43:08.079 So it's part of the trust that owns the house 829 00:43:08.880 --> 00:43:11.559 and she is not a part of any of the trust. Well, 830 00:43:11.599 --> 00:43:13.840 then that would tell me that if the trust runs 831 00:43:13.840 --> 00:43:15.719 out of money to maintain the house, they're going to 832 00:43:15.760 --> 00:43:17.079 have to continue to maintain it. 833 00:43:17.119 --> 00:43:19.840 Another way, that's what it would tell me. 834 00:43:20.719 --> 00:43:24.840 Yeah, yeah, see if listen, if she was given money 835 00:43:25.199 --> 00:43:30.159 to maintain the home, given money to maintain the home, 836 00:43:30.599 --> 00:43:34.079 in my mind, it means that they thought she should. 837 00:43:33.880 --> 00:43:36.000 Maintain the home, and he was going to give her 838 00:43:36.000 --> 00:43:36.639 a head start. 839 00:43:37.280 --> 00:43:40.800 But if the trust owns the home, and the trust 840 00:43:40.880 --> 00:43:45.760 has money put aside for maintenance, and that money's almost gone, 841 00:43:47.079 --> 00:43:50.559 then I think the trust would do one of two things. 842 00:43:50.559 --> 00:43:52.440 They either say we're not going to make the repairs 843 00:43:53.119 --> 00:43:55.880 or maintenance, or we're going to pay for it. I mean, 844 00:43:56.280 --> 00:43:59.159 I don't see why she would have to because it 845 00:43:59.239 --> 00:44:02.239 was set aside for the trust, not for her. You're 846 00:44:02.280 --> 00:44:04.320 saying it was set aside for her, but it really wasn't. 847 00:44:04.400 --> 00:44:05.800 It was set aside for the trust. 848 00:44:06.480 --> 00:44:09.920 It would you set aside to maintain the house, right. 849 00:44:10.119 --> 00:44:12.400 Okay, But that doesn't mean that the house doesn't get 850 00:44:12.400 --> 00:44:16.079 main The trust has an obligation to maintain its asset, 851 00:44:17.079 --> 00:44:19.760 Yes it does, no matter who's living there. I mean, 852 00:44:19.920 --> 00:44:22.800 what would you guys want? How many people are going 853 00:44:22.840 --> 00:44:28.800 to inherit? The proceeds from this house's eleven okay? With 854 00:44:29.000 --> 00:44:32.519 those eleven people, and who's the trustee, who's the. 855 00:44:32.400 --> 00:44:33.199 One in charge? 856 00:44:35.039 --> 00:44:36.079 My wife. 857 00:44:36.840 --> 00:44:40.079 Would your wife want that house to deteriorate and not 858 00:44:40.159 --> 00:44:46.559 be maintained? No? Okay, I think you're kind of answering 859 00:44:46.599 --> 00:44:48.760 your own question. I mean, if the money runs out, 860 00:44:48.800 --> 00:44:51.920 what do you do. Well, you're the owner of the house, 861 00:44:52.400 --> 00:44:54.760 your maintenance ran out, what do you do? 862 00:44:55.599 --> 00:44:58.719 You you re up it? I mean, you still maintain 863 00:44:58.760 --> 00:45:00.199 the house. Why wouldn't you? 864 00:45:00.880 --> 00:45:04.519 To me, it's more logical than legal. But I'm surprised 865 00:45:04.559 --> 00:45:08.880 the trust did not address it. But in the absence 866 00:45:09.000 --> 00:45:13.360 of a trust document addressing an item, it's up to 867 00:45:13.440 --> 00:45:17.400 the trustee to make their best judgment for that. 868 00:45:18.960 --> 00:45:21.880 Okay, yeah, I mean what we had. 869 00:45:22.280 --> 00:45:23.239 What were you thinking? 870 00:45:23.280 --> 00:45:25.639 The options would be that you could start charging her 871 00:45:25.719 --> 00:45:26.039 for it? 872 00:45:27.199 --> 00:45:29.280 That would she then become a tenant and then we 873 00:45:29.280 --> 00:45:32.280 can say, well, you have to pay for your utilities. 874 00:45:32.320 --> 00:45:35.079 You have to pay Well, it doesn't wait wait wait, 875 00:45:35.400 --> 00:45:38.159 so the trust was paying for the utilities. 876 00:45:37.599 --> 00:45:40.800 Too, Yeah, utilities and repairs. 877 00:45:42.119 --> 00:45:45.199 Well, utilities are not okay, So those what. 878 00:45:47.199 --> 00:45:49.719 Did the person that died? What do you think they 879 00:45:49.840 --> 00:45:52.880 actually wanted? Do you think they wanted that person to 880 00:45:52.960 --> 00:45:55.039 be able to live there till they died or as 881 00:45:55.079 --> 00:45:57.320 long as they want and pay for that stuff. What 882 00:45:57.360 --> 00:46:02.559 do you think the intention was just out of curiosity. 883 00:46:04.639 --> 00:46:07.519 His intention was for us to or to trust to 884 00:46:09.239 --> 00:46:13.800 like a stipend of one hundred thousand dollars for maintenance utilities, 885 00:46:13.960 --> 00:46:16.519 SAHOA fees and taxes, you know that kind of thing. 886 00:46:18.079 --> 00:46:24.000 The what he would have wanted was that's hard to say, 887 00:46:24.639 --> 00:46:25.079 that's right. 888 00:46:25.119 --> 00:46:27.920 It is hard to say bill. Therefore the trustee has 889 00:46:28.000 --> 00:46:30.480 to make up that. But you can't start charging your 890 00:46:30.480 --> 00:46:32.119 rent if it says she can live there as long 891 00:46:32.159 --> 00:46:33.239 as she wants rent free. 892 00:46:33.639 --> 00:46:36.000 Does it say rent free not? 893 00:46:36.280 --> 00:46:42.800 It doesn't. It just does say rent free, specifies rent free. 894 00:46:42.800 --> 00:46:44.800 Then yeah, if you guys want to get rid of it, 895 00:46:44.840 --> 00:46:45.519 here's what I do. 896 00:46:45.639 --> 00:46:47.760 Honestly, I would talk to her and see if she 897 00:46:47.920 --> 00:46:50.800 take a cash offer it to get out and move. 898 00:46:51.000 --> 00:46:53.239 I mean maybe that would entice her. Then you guys, 899 00:46:53.280 --> 00:46:54.360 can I think it would. 900 00:46:54.199 --> 00:46:55.760 Be cheaper to keep her. 901 00:46:56.400 --> 00:47:00.119 I think it would and that rhymes no, Seriously, it 902 00:47:00.119 --> 00:47:03.599 would be cheaper because and if she wants a cash deal, 903 00:47:03.719 --> 00:47:06.159 she's gonna want part of the equity or something, and 904 00:47:06.239 --> 00:47:07.840 I think it's easier. 905 00:47:07.400 --> 00:47:09.159 To just pay that. 906 00:47:09.280 --> 00:47:12.159 There's not much. There can't be many utilities and maintenance 907 00:47:12.199 --> 00:47:14.320 for her. What is it remounting to how much is 908 00:47:14.360 --> 00:47:18.280 left in the kitty. 909 00:47:18.920 --> 00:47:20.960 There's a third leapt So we got about a year 910 00:47:21.000 --> 00:47:23.159 and a half before we have to come to any 911 00:47:23.239 --> 00:47:24.159 kind of a conclusion. 912 00:47:24.239 --> 00:47:25.199 Let's let's get one. 913 00:47:25.039 --> 00:47:26.599 Of our well, we're going to get our attorney on 914 00:47:26.639 --> 00:47:29.519 three oh three seven one three talk seven one three 915 00:47:29.599 --> 00:47:32.400 eight two five five, because really we should be talking 916 00:47:32.760 --> 00:47:33.440 to an attorney. 917 00:47:33.440 --> 00:47:35.639 Renew Home Innovations beautiful. 918 00:47:35.199 --> 00:47:38.920 Bathroom conversions of that shower, that old shub. You know 919 00:47:38.960 --> 00:47:41.360 what a shob is. It's a shower and a tub. 920 00:47:41.400 --> 00:47:43.960 It's ugly you step over. You got these ugly doors 921 00:47:44.039 --> 00:47:47.159 or curtains. They will redo that with a beautiful walk 922 00:47:47.199 --> 00:47:49.199 in no threshold to stumble over. 923 00:47:49.320 --> 00:47:51.559 Great for older people too. Uh. 924 00:47:51.639 --> 00:47:54.000 And they they customize it to your movements. In two 925 00:47:54.079 --> 00:47:56.159 or three days, they can get the entire project done. 926 00:47:56.199 --> 00:47:58.320 You have seventy two months to pay with no interest 927 00:47:58.800 --> 00:48:01.119 and no and no maintenance on these showers. 928 00:48:01.159 --> 00:48:02.159 They're so beautiful. 929 00:48:02.599 --> 00:48:06.800 Renew home Innovations dot com and you will love the 930 00:48:06.800 --> 00:48:07.519 way they do it. 931 00:48:07.599 --> 00:48:09.920 Three oh three nine zero four to two thousand. 932 00:48:14.679 --> 00:48:17.960 Go with a sure thing. Denver's Best Roofer Excel roofing 933 00:48:18.039 --> 00:48:18.639 dot com. 934 00:48:18.679 --> 00:48:20.719 You don't pay a cent until you're content. 935 00:48:22.280 --> 00:48:26.519 Please time for an insurance check up free, no obligation. 936 00:48:26.679 --> 00:48:30.559 Comparison call Compass Insurance paying too much your coverage at 937 00:48:30.599 --> 00:48:33.280 dozens of insurance companies find out now three oh three 938 00:48:33.480 --> 00:48:34.280 seven to seven to one. 939 00:48:34.400 --> 00:48:34.639 Help. 940 00:48:34.800 --> 00:48:37.440 You'll think you're his only customer when you choose Frank 941 00:48:37.519 --> 00:48:39.960 durand the real estate Man dot com to list your 942 00:48:40.000 --> 00:48:43.119 home with Remax Alliance three oh three nine two zero 943 00:48:43.239 --> 00:48:46.960 sixteen twenty two. 944 00:48:48.000 --> 00:48:50.079 Hi Tom Martino, you're a troubleshooter. 945 00:48:50.159 --> 00:48:53.760 Three oh three seven one three talk thero three seven 946 00:48:53.840 --> 00:48:54.679 one three eight. 947 00:48:54.480 --> 00:48:55.400 Two five five. 948 00:48:55.840 --> 00:48:57.880 We're gonna get into tourney on to talk about the 949 00:48:58.280 --> 00:48:59.440 issue with Bill and his. 950 00:48:59.440 --> 00:49:03.199 Prenupt find out what's his best course of action. 951 00:49:04.519 --> 00:49:09.239 Meanwhile, somebody texted me and wants to know why can't 952 00:49:09.239 --> 00:49:13.159 we use marijuana or hemp oil for fuel for our 953 00:49:13.239 --> 00:49:19.079 vehicles and equipment? Actually, I don't know if hemp oil. 954 00:49:19.239 --> 00:49:21.480 Actually I don't know. I don't know if it can 955 00:49:21.519 --> 00:49:23.639 be used. I don't even know if it's physically possible. 956 00:49:24.519 --> 00:49:28.199 Can you imagine, though, think of a creative name for 957 00:49:28.239 --> 00:49:31.159 a car get runs three miles to a gall and potmobile. 958 00:49:32.639 --> 00:49:35.599 Actually I don't know the answer. I do know that 959 00:49:35.760 --> 00:49:40.800 all kinds of oils have been experimented with, and not 960 00:49:40.960 --> 00:49:45.960 all oils can be refined into a gasoline fuel. Now, 961 00:49:46.000 --> 00:49:50.599 as far as diesel kind of compression engines, I'm not 962 00:49:50.719 --> 00:49:54.360 even sure about the volatility of different oils. 963 00:49:54.679 --> 00:49:57.639 I mean, I really am not. It is a good question. 964 00:49:58.119 --> 00:50:00.960 Perhaps we should do we I know any people that 965 00:50:01.239 --> 00:50:03.760 I'm not ordinary mechanics, I don't think would know that. 966 00:50:04.360 --> 00:50:08.559 But I would like to know the compressibility and combustibility 967 00:50:08.920 --> 00:50:12.920 of regular oil. I mean, diesel oil is petroleum based, 968 00:50:13.320 --> 00:50:15.920 and of course they use the compression in a diesel 969 00:50:16.239 --> 00:50:19.519 to fire that off with a glow plug. Can you 970 00:50:19.679 --> 00:50:21.280 fire off any oil? 971 00:50:21.440 --> 00:50:22.199 Is my question? 972 00:50:22.679 --> 00:50:24.880 And when I put that open question out there, that's 973 00:50:24.920 --> 00:50:28.719 for everyone, including even though I hesitate to ask my 974 00:50:28.880 --> 00:50:33.239 YouTube morons. Again, you know, you got to take them 975 00:50:33.280 --> 00:50:35.159 with a grain of salt. Most of them. 976 00:50:35.199 --> 00:50:37.760 That is so three ozho. 977 00:50:37.639 --> 00:50:41.599 Three seven one three talk three oh three seven one 978 00:50:41.679 --> 00:50:43.039 three eight two five five. 979 00:50:43.360 --> 00:50:44.559 We'll try to find that out. 980 00:50:44.840 --> 00:50:50.360 As far as the the oils that can be used 981 00:50:50.360 --> 00:50:53.280 for fuel, I really don't know the answer to that. 982 00:50:54.079 --> 00:50:57.719 And let's see we got other questions coming in. Here's 983 00:50:57.880 --> 00:51:05.679 one here. Okay, is safer Net still in business? 984 00:51:05.960 --> 00:51:07.719 Mark? Do you know that or not? Yeah? 985 00:51:07.800 --> 00:51:08.159 They are. 986 00:51:08.320 --> 00:51:11.199 They've had some struggling issues. I've had a few complaints 987 00:51:11.239 --> 00:51:15.760 on them, honestly, do you know what the issues are? 988 00:51:16.400 --> 00:51:16.719 Yeah? 989 00:51:16.760 --> 00:51:19.000 So we know a lot about apps because at one 990 00:51:19.000 --> 00:51:23.920 point we were building one. So you anytime Apple or 991 00:51:23.960 --> 00:51:29.280 even Samsung or Google creates a new download for your phone, 992 00:51:29.280 --> 00:51:33.239 a new operating system, whatever, new security, they have to 993 00:51:33.280 --> 00:51:35.800 rebuild the app and they're very slow at it. So 994 00:51:35.920 --> 00:51:39.039 a lot of times the app just isn't working until 995 00:51:39.039 --> 00:51:42.039 they update it. Once it's all updated, it's fine. But 996 00:51:42.119 --> 00:51:45.159 that's why these app companies, I mean, they have complete 997 00:51:45.159 --> 00:51:48.880 divisions that are always just rebuilding the app because they're 998 00:51:48.880 --> 00:51:51.920 always rebuilding the iOS, and they're in. 999 00:51:51.880 --> 00:51:55.480 A space that is very competitive and very difficult as 1000 00:51:55.480 --> 00:51:59.039 a smaller operator. I mean, it really is because right 1001 00:51:59.079 --> 00:52:03.079 now VPN there's so many of them. And frankly, I 1002 00:52:03.079 --> 00:52:04.679 mean I like the guys that say for Net and 1003 00:52:04.719 --> 00:52:06.840 they do a really good job, or they did. I 1004 00:52:06.880 --> 00:52:10.159 loved it, I had it. My kids are now older, 1005 00:52:10.199 --> 00:52:13.960 I don't really use it for them. But my question is, 1006 00:52:14.719 --> 00:52:18.039 and then of course it's not just for filtering for kids. 1007 00:52:18.519 --> 00:52:21.159 It's all supposed to be for a cyber attacks and 1008 00:52:21.239 --> 00:52:23.639 all of that. But my question is how do they 1009 00:52:23.679 --> 00:52:27.119 stand up to the bigger guys? I mean, really, is 1010 00:52:27.159 --> 00:52:32.800 it like jousting at windmills? Is it difficult to be 1011 00:52:32.880 --> 00:52:36.480 competitive in that space? I would say, so, Mark, what 1012 00:52:36.519 --> 00:52:40.480 do you think interesting? 1013 00:52:40.760 --> 00:52:45.239 I say, for example, like on Windows, long as you 1014 00:52:45.280 --> 00:52:48.360 have the newest version, Windows whatever, and long as you 1015 00:52:48.480 --> 00:52:51.320 keep Defender what's built in up to date. I find 1016 00:52:51.400 --> 00:52:55.119 zero need for anything in Windows. For Android, I find 1017 00:52:55.159 --> 00:52:58.199 pretty much zero as long as you're not dumb or 1018 00:52:58.480 --> 00:53:01.679 naive and go for fishing scams, which a lot of 1019 00:53:01.719 --> 00:53:04.360 those things aren't going to help you with anyhow, and 1020 00:53:04.440 --> 00:53:05.519 then yeah, if. 1021 00:53:05.480 --> 00:53:07.639 You fall victim to those, you're absolutely right. 1022 00:53:07.880 --> 00:53:11.360 And same with iOS, so long as you keep everything updated. 1023 00:53:11.800 --> 00:53:14.199 I'm not a big fan of Norton or McAfee. I 1024 00:53:14.199 --> 00:53:16.800 think they're a complete ripoff at this stage. 1025 00:53:17.639 --> 00:53:21.800 But that's about it. Okay, So what do you think? 1026 00:53:21.840 --> 00:53:23.800 And again I don't use them. We have our own 1027 00:53:23.840 --> 00:53:26.159 algorithms and all of that. I don't want to get 1028 00:53:26.159 --> 00:53:31.280 into that right now. But trading applications, trading apps, they're 1029 00:53:31.320 --> 00:53:33.239 not talking about like a merrit trade. 1030 00:53:33.280 --> 00:53:34.360 They're not talking about that. 1031 00:53:34.719 --> 00:53:37.320 They're talking about apps that tell you how to trade 1032 00:53:37.360 --> 00:53:38.920 and what to buy and what to sell. 1033 00:53:39.440 --> 00:53:43.679 Have you ever looked at those? Mark No, we had. 1034 00:53:43.719 --> 00:53:46.639 I think she passed away unfortunately, or at least she retired. 1035 00:53:47.320 --> 00:53:50.440 But we had a lady that did reverse mortgages forever. 1036 00:53:50.840 --> 00:53:53.519 Oh no, she didn't pass away. Oh good, So Joan's 1037 00:53:53.519 --> 00:53:57.199 still there. She just retired. So what was remarkable, and 1038 00:53:57.239 --> 00:53:59.199 this is going back about five years. She had a 1039 00:53:59.239 --> 00:54:02.039 subscription to this app and I watched it and I 1040 00:54:02.159 --> 00:54:05.000 was really impressed by it. And it would tell her 1041 00:54:05.039 --> 00:54:07.719 what to buy and when to sell constantly, So she 1042 00:54:07.800 --> 00:54:11.960 would log onto her Ameritrade account she really yep, she'd 1043 00:54:11.960 --> 00:54:15.000 get through an app okay, sell this amount of this, 1044 00:54:15.000 --> 00:54:18.119 this amount of this really yep, just constantly and it 1045 00:54:18.159 --> 00:54:18.920 did not well. 1046 00:54:19.840 --> 00:54:23.480 You know, I wonder if anybody has used a trading app. 1047 00:54:23.880 --> 00:54:26.440 Now, now again, I'm not talking. 1048 00:54:26.079 --> 00:54:30.239 About a platform, but something that really tells you what 1049 00:54:30.360 --> 00:54:30.679 to do. 1050 00:54:30.920 --> 00:54:32.440 I've always believed. 1051 00:54:32.000 --> 00:54:37.360 That you can't really, I don't know, you can't really 1052 00:54:37.440 --> 00:54:41.400 tell someone what unless you're just picking stocks. That's a 1053 00:54:41.400 --> 00:54:45.519 whole different thing, right Anyway, Three oh three seven one 1054 00:54:45.679 --> 00:54:48.199 three talk. I'd love to know, and so would this 1055 00:54:48.320 --> 00:54:50.840 uh this texter And by the way, you can text 1056 00:54:50.880 --> 00:54:54.400 me as well. Seven four seven nine nine nine. 1057 00:54:54.320 --> 00:54:55.480 Fifty two eighty. 1058 00:54:55.639 --> 00:54:59.360 That's seven four seven nine nine nine fifty two eighty. 1059 00:54:59.679 --> 00:55:02.679 I'd to know your experiences as well with trading apps. 1060 00:55:02.960 --> 00:55:06.159 Now we're waiting to get our estate planning attorney on 1061 00:55:06.239 --> 00:55:08.880 about the prenup to see what do you do when 1062 00:55:08.880 --> 00:55:11.440 there's holes in it? Do you go to the trust document? 1063 00:55:11.480 --> 00:55:14.280 If it doesn't address it, what do you do? And 1064 00:55:14.320 --> 00:55:19.320 then we're also waiting on any kind any kind of 1065 00:55:19.400 --> 00:55:21.599 experience you may have had with a trading app. 1066 00:55:21.840 --> 00:55:23.960 I'm Tom Martine. We have more coming right up. 1067 00:55:28.760 --> 00:55:32.000 Go with a sure thing Denver's Best roofer Excel Roofing 1068 00:55:32.119 --> 00:55:34.760 dot com. You don't pay a cent until you're content. 1069 00:55:38.119 --> 00:55:41.320 Time for an insurance checkup free, no obligation. In comparison, 1070 00:55:41.440 --> 00:55:45.000 call Compass Insurance paying too much your coverage at dozens 1071 00:55:45.039 --> 00:55:47.760 of insurance companies find out now three O three seven 1072 00:55:47.760 --> 00:55:50.119 to seven to one help. You'll think you're his only 1073 00:55:50.199 --> 00:55:52.679 customer when you choose Frank durand the real estate Man 1074 00:55:52.719 --> 00:55:56.119 dot com to list your home with Remax Alliance three 1075 00:55:56.360 --> 00:56:03.320 three nine two zero sixteen twenty two. Hi, Tom Martino, 1076 00:56:03.480 --> 00:56:07.199 your troubleshooter, and I do have some people that use 1077 00:56:07.239 --> 00:56:10.519 some trading apps. We'll talk to and then we have 1078 00:56:10.639 --> 00:56:14.239 Bill waiting for our estate planning attorney one of them to. 1079 00:56:14.239 --> 00:56:15.400 Talk about the prenup. 1080 00:56:16.320 --> 00:56:21.119 And let's talk to Bill on the comment on the 1081 00:56:21.159 --> 00:56:21.880 stock market. 1082 00:56:21.880 --> 00:56:23.239 Go ahead, Bill, what's going on? 1083 00:56:23.800 --> 00:56:26.559 Hey, I haven't used no app. I think I called 1084 00:56:26.599 --> 00:56:29.559 you before on this, but I watched the stock market 1085 00:56:29.599 --> 00:56:33.159 shows on TV at like Cramer particularly. Yeah, and I 1086 00:56:33.239 --> 00:56:36.199 took about one hundred it's been about ten years. I 1087 00:56:36.239 --> 00:56:40.039 took one hundred thousand dollars and I got about seven 1088 00:56:40.159 --> 00:56:41.559 hundred and fifty right now. 1089 00:56:41.960 --> 00:56:43.320 And it took ten years. 1090 00:56:43.719 --> 00:56:44.599 Yeah, pretty much. 1091 00:56:45.239 --> 00:56:49.239 Wow. What did you do Bill? In general? Mostly buy 1092 00:56:49.280 --> 00:56:51.159 and hold or did you do a lot of trading? 1093 00:56:51.840 --> 00:56:52.039 Yeah? 1094 00:56:52.159 --> 00:56:55.760 Took his recommendations and then like you know, I bought 1095 00:56:55.800 --> 00:56:59.079 Apple when Apple was super dup a cheap, Yeah, Google 1096 00:56:59.119 --> 00:57:04.280 when it was dirty, you know, all the big names 1097 00:57:04.280 --> 00:57:05.360 when it was real cheap. 1098 00:57:06.880 --> 00:57:08.199 And what do you do now? Bill? 1099 00:57:09.400 --> 00:57:12.400 What do I do now? You wish you were doing nothing? 1100 00:57:13.400 --> 00:57:15.199 No, I'm talking about with your money. 1101 00:57:16.400 --> 00:57:19.280 It's just sitting there. Again, I'm just a tiny bit 1102 00:57:19.280 --> 00:57:22.559 older than you, and I'm pretty sure i'll be seventy 1103 00:57:23.599 --> 00:57:24.639 three next year. 1104 00:57:25.559 --> 00:57:28.039 And you know, if you think about it, to dal 1105 00:57:28.199 --> 00:57:33.639 Jones ten years ago was sitting around sixteen seventeen thousand, Tom, 1106 00:57:33.920 --> 00:57:35.599 Now we're at forty thousand. 1107 00:57:36.360 --> 00:57:39.280 If you if you didn't, if you did an indexed fund, 1108 00:57:39.360 --> 00:57:41.960 you'd do pretty well just in an index fund. 1109 00:57:42.199 --> 00:57:44.599 Well, I'm going to change to that. But see, you know, 1110 00:57:45.000 --> 00:57:48.320 when Trump was in office, was going up, up, up, 1111 00:57:49.039 --> 00:57:51.599 I'd even have more of Trump still was in office, 1112 00:57:52.039 --> 00:57:54.880 and when Biden took over, it kind of dropped. 1113 00:57:55.440 --> 00:57:58.280 Well, it really didn't drop with Biden. 1114 00:57:57.960 --> 00:58:03.320 It dropped for because of cod and it, to be fair, 1115 00:58:03.440 --> 00:58:05.800 the stock market's been doing you look at I'm not 1116 00:58:05.840 --> 00:58:08.039 making a political statement here, but the stock market has 1117 00:58:08.039 --> 00:58:11.280 been doing fabulously except for one year under. 1118 00:58:11.119 --> 00:58:13.159 Biden, right right, I guess so. 1119 00:58:14.239 --> 00:58:15.880 But but on the good year, it did have the 1120 00:58:15.960 --> 00:58:18.119 really good year like twenty three were there are only 1121 00:58:18.159 --> 00:58:19.599 two two rallies that. 1122 00:58:19.719 --> 00:58:22.079 Remember they thought when Trump won, they thought it was 1123 00:58:22.119 --> 00:58:25.360 going to tank, and it opened like eight nine hundred 1124 00:58:25.440 --> 00:58:26.559 lower or even more. 1125 00:58:26.599 --> 00:58:29.280 I forget, but it was ridiculous and within. 1126 00:58:29.480 --> 00:58:33.039 I think that first trading day after the election, man, 1127 00:58:33.079 --> 00:58:35.360 it skyrocketed, but everybody. 1128 00:58:34.960 --> 00:58:36.840 Was like, oh, if he wins, it's going to tank. 1129 00:58:37.519 --> 00:58:41.440 Yeah, and you know the I mean, we're resilient as 1130 00:58:41.480 --> 00:58:44.760 far as a country goes, and and the stock market 1131 00:58:44.920 --> 00:58:48.000 does somewhat follow politics, but not as much as we think. 1132 00:58:49.440 --> 00:58:49.880 On with you? 1133 00:58:50.639 --> 00:58:50.960 What's that? 1134 00:58:51.519 --> 00:58:52.360 Am I still with you? 1135 00:58:52.719 --> 00:58:52.920 Yes? 1136 00:58:53.000 --> 00:58:53.280 You are. 1137 00:58:53.679 --> 00:58:56.559 Do you know when do we have to start taking 1138 00:58:56.599 --> 00:58:57.840 a mandatory withdrawal? 1139 00:58:58.079 --> 00:58:58.719 Seventy two? 1140 00:58:59.119 --> 00:59:01.920 It's a year turned seventy three, right. 1141 00:59:02.159 --> 00:59:05.119 I thought it was yeah, okay, that would be after this, 1142 00:59:05.360 --> 00:59:08.280 but after your seventy second birthday, I believe, Well. 1143 00:59:08.159 --> 00:59:11.079 No, they changed it to seventy three. I think they 1144 00:59:11.159 --> 00:59:12.320 just changed it recently. 1145 00:59:13.079 --> 00:59:15.960 Okay, I didn't realize that. I know it was earlier. 1146 00:59:16.039 --> 00:59:19.599 But in any case, you have to take a certain percentage, 1147 00:59:19.840 --> 00:59:24.000 even though the percentage is already laid out, I don't 1148 00:59:24.000 --> 00:59:24.840 know what it is either. 1149 00:59:25.440 --> 00:59:28.840 Well, my money's in stocks, but is. 1150 00:59:28.800 --> 00:59:32.320 It what You only have to take mandatory retirement if 1151 00:59:32.320 --> 00:59:35.920 it's in a qualified fund where taxes have been deferred. 1152 00:59:36.239 --> 00:59:39.360 That's the reason you have. What's that? Mine is? 1153 00:59:39.400 --> 00:59:42.159 I'm at Vanguard. It's from when I worked it was. 1154 00:59:42.599 --> 00:59:44.079 It was a four to one, and I rolled it 1155 00:59:44.119 --> 00:59:47.440 over to an IRA so I could open a brokerage account. 1156 00:59:47.920 --> 00:59:51.199 Okay, so your four oh one K or your tax 1157 00:59:51.239 --> 00:59:55.480 deferred it has to be taken out at seventy three. 1158 00:59:55.639 --> 01:00:00.239 But it's only for the part of it that's tax deferred, right, 1159 01:00:00.639 --> 01:00:03.559 And and that's all of it. You have a retirement account. 1160 01:00:03.519 --> 01:00:05.760 Right right, All of it is tax free. 1161 01:00:05.599 --> 01:00:07.719 Right right, or tax deferred right. 1162 01:00:08.119 --> 01:00:10.159 And so I just wonder because I know I have 1163 01:00:10.199 --> 01:00:11.800 to start getting ready to do something. 1164 01:00:13.000 --> 01:00:15.199 Yeah, yeah, but you know you don't have to take 1165 01:00:15.239 --> 01:00:18.199 out more. But but do you live on Social Security? 1166 01:00:19.039 --> 01:00:22.559 I get social Security and a pension. I'm retired from excel. 1167 01:00:23.079 --> 01:00:27.360 Okay, and what did you do for excelo plants? 1168 01:00:28.119 --> 01:00:32.719 Okay? All right? Bill? By the way, only one thing 1169 01:00:32.760 --> 01:00:33.960 I disagree with you on. 1170 01:00:35.639 --> 01:00:37.880 And you said, I asked you what you were doing, 1171 01:00:38.360 --> 01:00:40.880 and you said what I wish I was doing nothing. 1172 01:00:41.000 --> 01:00:44.800 I don't understand what. I will never want to stay 1173 01:00:44.800 --> 01:00:48.679 at home now. No, I will never do not same way. 1174 01:00:48.800 --> 01:00:50.559 I mean it's on bored because. 1175 01:00:50.719 --> 01:00:53.599 I will never do nothing, never do nothing. In fact, 1176 01:00:53.679 --> 01:00:57.400 I'm working on an entirely new career. I love, I 1177 01:00:57.480 --> 01:01:01.360 love working and having fun. Now, obviously you know I 1178 01:01:01.400 --> 01:01:04.360 don't want a toil. I mean, obviously people don't want 1179 01:01:04.400 --> 01:01:07.280 to be stressed out the rest of their lives and 1180 01:01:07.320 --> 01:01:09.719 all of that. They you know, they want to have 1181 01:01:09.760 --> 01:01:13.599 more control, I would say, and that is what you enjoy. 1182 01:01:13.880 --> 01:01:14.880 You have control. 1183 01:01:15.280 --> 01:01:16.880 You can go to work if you want or not 1184 01:01:17.000 --> 01:01:18.960 if you want, and that's a good thing to happen. 1185 01:01:19.039 --> 01:01:20.800 Right, No, I don't want to work. See, my wife 1186 01:01:20.960 --> 01:01:24.800 just retired, so we're ready to do with I told 1187 01:01:24.840 --> 01:01:25.840 you before about them moment. 1188 01:01:25.840 --> 01:01:28.239 Well, then you should be a deputy if you want. 1189 01:01:28.320 --> 01:01:33.159 Meaning yeah, but I've got yeah, what what do you do? 1190 01:01:33.239 --> 01:01:34.840 What do you What do you do all day? Tell 1191 01:01:34.880 --> 01:01:35.519 me what you do? 1192 01:01:35.960 --> 01:01:37.639 Nothing? But I got certain nothing? 1193 01:01:38.000 --> 01:01:40.519 I know, No, it's impossible to do nothing. What do 1194 01:01:40.559 --> 01:01:41.599 you do all day? 1195 01:01:42.599 --> 01:01:42.920 Nothing? 1196 01:01:43.440 --> 01:01:45.840 Well, where do you do you sit? Do you stand? 1197 01:01:46.000 --> 01:01:47.159 You walk? What do you do? 1198 01:01:47.320 --> 01:01:49.960 Sit outside and watch the neighbors and let them entertain me? 1199 01:01:50.119 --> 01:01:53.719 Geez, fight fight with my wife? 1200 01:01:54.519 --> 01:01:55.400 Didn't watch TV? 1201 01:01:55.719 --> 01:01:59.920 What a great life? Yeah? Absolutely defines nothing. 1202 01:02:00.840 --> 01:02:04.559 Right, It's well, COVID kind of screwed everything up. See 1203 01:02:04.840 --> 01:02:08.559 what happened with me was I stopped working and I 1204 01:02:08.639 --> 01:02:12.800 worked a lot of overtime. My kids grew up. Yeah, 1205 01:02:13.280 --> 01:02:17.159 the way to college. Everything everything ended at once. 1206 01:02:18.159 --> 01:02:19.119 I see what you're saying. 1207 01:02:19.199 --> 01:02:22.719 Yeah, so and then and then see we thought, see 1208 01:02:22.760 --> 01:02:26.519 my wife's family is his homestead, as all of them. 1209 01:02:26.559 --> 01:02:29.480 And I'm the one that's called you up about out 1210 01:02:29.519 --> 01:02:33.039 there by Raymond and stuff out there, and and we 1211 01:02:33.119 --> 01:02:35.559 thought we were going to end up out there. Well 1212 01:02:35.599 --> 01:02:36.480 the ants sold it. 1213 01:02:37.280 --> 01:02:40.800 Well, listen, I have a very silly question. What gives 1214 01:02:40.880 --> 01:02:41.800 meaning to your life? 1215 01:02:41.840 --> 01:02:46.519 Billy? Well know I'm asking. 1216 01:02:46.639 --> 01:02:50.280 That's just you might hear me, so I can't say 1217 01:02:50.280 --> 01:02:54.480 too much. Well, you know, I like doing stuff. I 1218 01:02:54.480 --> 01:02:57.400 got lots of hobbies. I like to shoot guns, not 1219 01:02:57.480 --> 01:03:01.960 to kill people. I just like shooting them. Uh, you know, 1220 01:03:03.480 --> 01:03:06.559 I don't know. I really wanted to travel, and then 1221 01:03:06.599 --> 01:03:08.039 Cole was screwed everything up. 1222 01:03:09.119 --> 01:03:12.400 Okay, okay, travel, Okay, that's cool. Well, thanks Bill for calling. 1223 01:03:12.519 --> 01:03:15.519 Always appreciate you listening, man, And I, just like I said, 1224 01:03:15.519 --> 01:03:18.239 every now and then, want to dig a little deeper. 1225 01:03:17.920 --> 01:03:18.719 Than the normal call. 1226 01:03:18.800 --> 01:03:20.840 Now we have another Bill on the line too, waiting 1227 01:03:20.840 --> 01:03:24.360 for the prenup answer. Hey, Kachina, talk to me here. 1228 01:03:24.079 --> 01:03:25.719 We estate planning. 1229 01:03:25.760 --> 01:03:30.760 We don't have any of them available, Well, let's get 1230 01:03:30.800 --> 01:03:31.159 one of them. 1231 01:03:31.159 --> 01:03:34.039 Man, let's get one of us. Sorry, let's get one 1232 01:03:34.079 --> 01:03:34.519 of them on. 1233 01:03:34.559 --> 01:03:41.000 We got more right after this, go with a sure 1234 01:03:41.119 --> 01:03:44.519 thing Denver's Best Roofer Excel Roofing dot com. You don't 1235 01:03:44.559 --> 01:03:50.599 pay a cent until you're content. Time for an insurance 1236 01:03:50.679 --> 01:03:54.400 check up free, no obligation. In comparison, call Compass Insurance 1237 01:03:54.559 --> 01:03:57.559 paying too much your coverage at dozens of insurance companies 1238 01:03:57.639 --> 01:03:59.760 find out now three out three seven to seven to one. 1239 01:03:59.840 --> 01:04:00.239 Help. 1240 01:04:00.400 --> 01:04:03.039 You'll think you're his only customer when you choose Frank 1241 01:04:03.119 --> 01:04:05.559 durand the real estate Man dot com to list your 1242 01:04:05.599 --> 01:04:08.760 home with Remax Alliance three all three nine two zero 1243 01:04:08.840 --> 01:04:17.480 sixteen twenty two. Hi Tom Martino, your troubleshooter three oh 1244 01:04:17.519 --> 01:04:21.039 three seven to one three dog three oh three seven one. 1245 01:04:21.039 --> 01:04:24.239 Three eight two five five. Okay. 1246 01:04:25.239 --> 01:04:28.679 We have Dan McKenzie from McKenzie Law, and he does 1247 01:04:28.840 --> 01:04:34.400 a state state planning kind of you know, law for 1248 01:04:34.559 --> 01:04:36.239 trusts and wills and all of that. 1249 01:04:36.400 --> 01:04:38.840 And Dan, I got a question for you here. 1250 01:04:39.599 --> 01:04:42.280 If a trust doesn't address a specific item, how do 1251 01:04:42.320 --> 01:04:44.760 you handle it in general or specifically? 1252 01:04:44.760 --> 01:04:46.920 What would you do? But here's here's the situation. 1253 01:04:47.760 --> 01:04:51.079 There is a trust that Bill's wife is involved in, 1254 01:04:51.639 --> 01:04:55.400 and it's for the siblings and for the relatives, and 1255 01:04:55.679 --> 01:05:01.840 it's the the father's estate. When he died, he wanted 1256 01:05:01.880 --> 01:05:06.800 his then current wife to live in his home for 1257 01:05:06.880 --> 01:05:12.119 as long as she wants. And he has the home 1258 01:05:12.360 --> 01:05:16.760 in a trust and she is to live there rent 1259 01:05:17.199 --> 01:05:20.159 free for as long as she wants. 1260 01:05:20.559 --> 01:05:21.039 Okay. 1261 01:05:21.280 --> 01:05:25.559 Now, the next thing the trust did was set aside 1262 01:05:25.920 --> 01:05:34.519 money in the trust to pay for maintenance and utilities. Bill, 1263 01:05:34.760 --> 01:05:37.159 does it also pay for taxes and all of that? 1264 01:05:37.239 --> 01:05:39.840 Does that come out of there? Or how our taxes paid? 1265 01:05:39.880 --> 01:05:40.119 Bill? 1266 01:05:41.119 --> 01:05:42.920 Taxes are paid out of that as well? 1267 01:05:43.360 --> 01:05:43.800 Okay? 1268 01:05:44.000 --> 01:05:47.440 So in other words, it's really to upkeep the house, 1269 01:05:47.559 --> 01:05:52.599 the expenses of the home while she's living there. Correct, 1270 01:05:52.920 --> 01:05:57.880 And it is a specific amount that will be exhausted 1271 01:05:58.559 --> 01:06:02.599 by the end of next year. What happens, Dan, if 1272 01:06:02.639 --> 01:06:06.920 there is no provision to re fund that money or 1273 01:06:06.960 --> 01:06:09.920 to you know, to put more funds in there for 1274 01:06:10.000 --> 01:06:10.440 the home. 1275 01:06:10.840 --> 01:06:13.079 Does the trust, because the trust. 1276 01:06:12.760 --> 01:06:16.159 Owns the house, it's I would imagine would still have 1277 01:06:16.280 --> 01:06:19.599 to do it all anyway, right, I don't know, what 1278 01:06:19.639 --> 01:06:20.280 do you think, Dan? 1279 01:06:20.400 --> 01:06:23.519 Yeah, if it's not possible, that is kind of an 1280 01:06:23.559 --> 01:06:27.039 ambiguity in the trust and sometimes those can be revealed 1281 01:06:27.039 --> 01:06:29.400 over time like this one is. And in that situation, 1282 01:06:31.239 --> 01:06:34.440 if the parties can come to some sort of agreement, 1283 01:06:34.559 --> 01:06:37.559 there is a statute that allows you to do that. 1284 01:06:37.679 --> 01:06:40.480 You could you could all meet and agree on something, 1285 01:06:40.480 --> 01:06:42.679 which would be probably the best way to go. It's 1286 01:06:42.679 --> 01:06:45.960 not always possible, obviously. If it's not possible, then the 1287 01:06:45.960 --> 01:06:49.079 trustee might want to ask the court or guidance. You 1288 01:06:49.239 --> 01:06:52.119 apply to the probate court, you petition and say, look, 1289 01:06:52.159 --> 01:06:54.360 here's the situation. I need guidance on what to do. 1290 01:06:54.400 --> 01:06:59.719 Here's hey, Dan, could you actually meet as a trust 1291 01:07:00.039 --> 01:07:04.280 You got the trustee and you got like eleven beneficiaries. Okay, 1292 01:07:04.320 --> 01:07:07.719 one of them is the trustee. Can they actually vote 1293 01:07:07.719 --> 01:07:08.719 to a victor. 1294 01:07:11.679 --> 01:07:16.079 Since she's a beneficiary not I would be real cautious 1295 01:07:16.079 --> 01:07:18.960 about doing that. It's a trustee because you do have 1296 01:07:19.000 --> 01:07:21.159 to have her interests in mine too. And usually this 1297 01:07:21.360 --> 01:07:24.960 private agreement that I just mentioned usually involves all beneficiaries. 1298 01:07:25.079 --> 01:07:27.440 You can't have part It's got to be kind of 1299 01:07:28.079 --> 01:07:28.599 the challenge to. 1300 01:07:28.599 --> 01:07:29.199 Get this many things. 1301 01:07:29.280 --> 01:07:32.639 Well, she is a beneficiary by living there, She's not 1302 01:07:32.719 --> 01:07:37.079 a beneficiary that'll split the money. But she is a beneficiary, 1303 01:07:37.639 --> 01:07:41.639 so you can't just aser out. But could you agree 1304 01:07:41.679 --> 01:07:44.000 to ask her to pay rent or at least the 1305 01:07:44.079 --> 01:07:45.239 expenses or not. 1306 01:07:46.599 --> 01:07:48.559 If she agrees to that, I mean she should see 1307 01:07:48.599 --> 01:07:51.480 the situation and understand, like, hey, if we go to court, 1308 01:07:51.559 --> 01:07:53.719 the court might say, look, this trust can't do this 1309 01:07:53.800 --> 01:07:57.079 anymore and it's done, and then she doesn't have anything right, 1310 01:07:57.159 --> 01:07:58.840 So it might be in her interest. 1311 01:08:00.239 --> 01:08:03.480 The best thing is communication first bill. But Dan McKenzie 1312 01:08:03.880 --> 01:08:07.719 is available at eight three three co Plans eight three 1313 01:08:07.840 --> 01:08:08.960 three co plans. 1314 01:08:09.000 --> 01:08:09.639 He is local. 1315 01:08:09.679 --> 01:08:12.559 That's just a great number to remember, or coplans dot co. 1316 01:08:13.440 --> 01:08:15.480 We have more coming up on the Troubleshooter Show. Get 1317 01:08:15.519 --> 01:08:17.359 your calls in right now three oh three seven to 1318 01:08:17.359 --> 01:08:19.119 one three talk and of course you can call three 1319 01:08:19.199 --> 01:08:28.000 oh three Martino twenty four to seven. Go with a 1320 01:08:28.039 --> 01:08:31.600 sure thing Denver's Best roofer Excel Roofing dot com. You 1321 01:08:31.600 --> 01:08:37.239 don't pay a cent until you're contenth Please time for 1322 01:08:37.279 --> 01:08:41.039 an insurance check up free, no obligation comparison call Compass 1323 01:08:41.079 --> 01:08:44.359 Insurance paying too much your coverage at dozens of insurance 1324 01:08:44.359 --> 01:08:46.840 companies find out now three oh three seven to seven 1325 01:08:46.880 --> 01:08:49.640 to one help. You'll think you're his only customer when 1326 01:08:49.680 --> 01:08:52.159 you choose Frank durand the real estate man dot com 1327 01:08:52.199 --> 01:08:55.319 to list your home with Remax Alliance three oh three 1328 01:08:55.399 --> 01:08:58.159 nine two zero sixteen twenty two. 1329 01:09:03.039 --> 01:09:03.560 Ripped of. 1330 01:09:05.319 --> 01:09:08.439 Need advice, so you don't have. 1331 01:09:10.560 --> 01:09:12.960 Come running Just as fast as we can. 1332 01:09:14.279 --> 01:09:15.800 Shoot's gonna help. 1333 01:09:15.840 --> 01:09:23.520 Come Dix is the Troubleshooter Show. Now, Tom Martino, Hi. 1334 01:09:23.560 --> 01:09:27.000 Tom Martino, you're troubleshooter. Three oh three seven one three 1335 01:09:27.039 --> 01:09:31.439 talk seven one three eight two five five. What's in 1336 01:09:32.319 --> 01:09:40.960 your problem sack? What do you need solved? What pisses 1337 01:09:41.479 --> 01:09:44.560 you off? Give us a call and we'll try to 1338 01:09:44.600 --> 01:09:48.359 help you. Three oh three seven one three talk three 1339 01:09:48.359 --> 01:09:50.319 all three seven one three a two five five. 1340 01:09:50.359 --> 01:09:52.079 I've been asking for trading apps. 1341 01:09:52.680 --> 01:09:57.399 Boy, I got a lot of suggestions, like a lot 1342 01:09:57.439 --> 01:10:02.119 of suggestions, and really the ones that keep coming up. 1343 01:10:02.239 --> 01:10:05.920 Something on Robinhood. They have a lot of tools. Now 1344 01:10:06.079 --> 01:10:09.159 most of them do not actually select the socks, but 1345 01:10:09.279 --> 01:10:13.840 give you suggestions and recommendations. Td Ameritrade, they said, has 1346 01:10:13.880 --> 01:10:19.279 one e trade fidelity. We bowl provides free trading with 1347 01:10:19.399 --> 01:10:24.880 advanced charting tools. See these are platforms again, but there 1348 01:10:25.000 --> 01:10:28.920 is a robo advisory self directed trading tool called m 1349 01:10:29.239 --> 01:10:34.920 one Finance morning Star. While not a trading app exams, 1350 01:10:34.720 --> 01:10:38.920 it has extensive research and analyzes tools. And then you 1351 01:10:39.000 --> 01:10:42.159 have trade Station, which offers a lot of tools. 1352 01:10:42.159 --> 01:10:43.159 Now here's the deal. 1353 01:10:43.399 --> 01:10:47.520 Okay, everyone in the world thinks of the greatest trading 1354 01:10:47.760 --> 01:10:52.720 trader in the world. And look, if you just did 1355 01:10:52.760 --> 01:10:55.960 nothing but bought and hold, you'd probably do pretty good over. 1356 01:10:55.800 --> 01:10:56.560 The long run. 1357 01:10:56.600 --> 01:11:01.880 It's when you take the risk versus time that really 1358 01:11:01.960 --> 01:11:05.000 gets into the problem. If you don't have a long 1359 01:11:05.039 --> 01:11:09.680 time horizon, the shorter time horizon, then the harder it is. 1360 01:11:10.119 --> 01:11:13.640 But what I really hate. 1361 01:11:13.399 --> 01:11:15.640 Is when people think they have the magic sauce and 1362 01:11:15.720 --> 01:11:18.720 think this is it, this is it, because nothing works 1363 01:11:18.760 --> 01:11:19.239 all the time. 1364 01:11:19.279 --> 01:11:20.039 It just doesn't. 1365 01:11:21.199 --> 01:11:23.960 Even fundamentals don't work all the time because stocks don't 1366 01:11:23.960 --> 01:11:28.359 always trade on fundamentals. I mean, it truly is a 1367 01:11:28.520 --> 01:11:29.560 very difficult thing. 1368 01:11:29.640 --> 01:11:32.119 I mean, it really is. It really really is. 1369 01:11:32.159 --> 01:11:35.560 Sometimes you're lucky, by the way, and sometimes you pick 1370 01:11:35.640 --> 01:11:39.239 some good stuff based on fundamentals. On other times it's 1371 01:11:39.239 --> 01:11:44.119 not fundamentals, but it's based on cyclical things like you know, 1372 01:11:44.199 --> 01:11:46.840 like the defense stocks, and I don't mean national defense, 1373 01:11:46.920 --> 01:11:52.399 but stocks that tend to always maintain during a decline 1374 01:11:52.439 --> 01:11:56.840 in the economy. You have, of course food and even 1375 01:11:56.880 --> 01:12:01.039 tobacco and drugs and pharmaceuticals and stuff. They tend to 1376 01:12:01.079 --> 01:12:03.359 be insulated a bit. And then you have those that 1377 01:12:03.880 --> 01:12:07.920 step up during recovery, building supplies, things like that. 1378 01:12:08.000 --> 01:12:08.239 You know. 1379 01:12:08.439 --> 01:12:10.560 So people try to get ahead of it, they try 1380 01:12:10.600 --> 01:12:17.479 to look at indicators and accordingly, but the real issue 1381 01:12:17.840 --> 01:12:22.800 is not how you is, not where and how you trade, 1382 01:12:22.800 --> 01:12:29.279 but who you trust, because truly the industry is riddled 1383 01:12:29.319 --> 01:12:34.640 with people who don't do anything, and they basically just 1384 01:12:37.199 --> 01:12:39.199 I don't know if lies a good word, but the 1385 01:12:39.279 --> 01:12:46.199 industry takes people's money and they purport to invest it, 1386 01:12:46.279 --> 01:12:50.880 but they really don't invest your money. They place your 1387 01:12:51.000 --> 01:12:54.560 money with bigger broker dealers who invest your money and 1388 01:12:54.560 --> 01:12:57.079 then they try to take credit for it on the 1389 01:12:57.159 --> 01:12:59.680 upswing and on the downswing they say, well, you. 1390 01:12:59.600 --> 01:13:02.720 Know, that's the market. And they really don't do much. 1391 01:13:03.159 --> 01:13:06.800 They're like a middleman there that just collects a fee 1392 01:13:07.319 --> 01:13:10.159 and then pays part of that fee to somebody up 1393 01:13:10.199 --> 01:13:13.960 above them to try to do the job for them. 1394 01:13:14.560 --> 01:13:16.680 Okay, we had a text after. 1395 01:13:16.520 --> 01:13:19.880 We had some estate questions in the one woman who 1396 01:13:19.960 --> 01:13:20.920 had a life estate. 1397 01:13:21.319 --> 01:13:22.960 By the way, a life estate. 1398 01:13:23.279 --> 01:13:27.000 In general normally means you have a life of state 1399 01:13:27.119 --> 01:13:27.720 to something. 1400 01:13:28.159 --> 01:13:30.159 Normally it's used when it comes to housing. 1401 01:13:30.760 --> 01:13:33.319 So this man had a home before he met the 1402 01:13:33.359 --> 01:13:37.079 woman married her, probably a second or third wife, but 1403 01:13:37.159 --> 01:13:38.800 he wanted her to live in the house for the 1404 01:13:38.800 --> 01:13:41.439 rest of her life and then after that leave it 1405 01:13:41.520 --> 01:13:44.279 to let the trust dissolve it. 1406 01:13:45.319 --> 01:13:47.239 So that's a life of state. 1407 01:13:47.880 --> 01:13:50.439 It doesn't necessarily have to be called that, but that's 1408 01:13:50.479 --> 01:13:51.439 basically what it is. 1409 01:13:52.199 --> 01:13:53.960 Someone wanted to know in this text. 1410 01:13:54.000 --> 01:13:58.199 Can I totally if it's my money and clearly my money, 1411 01:13:59.159 --> 01:14:00.800 can I disinheit a spouse? 1412 01:14:02.359 --> 01:14:05.039 Can I just leave most of my stuff to someone else? 1413 01:14:05.079 --> 01:14:08.279 I mean, it's my money and there was no divorce, 1414 01:14:09.399 --> 01:14:11.840 So can I just do what I want with my money? 1415 01:14:11.880 --> 01:14:16.399 The money I had before marriage. Let's say all of 1416 01:14:16.439 --> 01:14:19.920 the money came before marriage. You marry your second wife 1417 01:14:20.119 --> 01:14:23.119 or even your first whatever, all your money came before 1418 01:14:23.119 --> 01:14:26.359 you met your wife. Let's say, can you disinherit them? 1419 01:14:27.000 --> 01:14:28.479 The answer is no. 1420 01:14:29.760 --> 01:14:37.439 In Colorado, you must leave five percent to them per 1421 01:14:37.520 --> 01:14:42.600 year of marriage, even if you're separated. So it's five 1422 01:14:42.720 --> 01:14:47.840 percent per year of marriage to a maximum of fifty percent. 1423 01:14:48.359 --> 01:14:54.680 You absolutely must leave to your spouse. The only way 1424 01:14:54.720 --> 01:14:59.239 to get around that is with a prenup. So to 1425 01:14:59.279 --> 01:15:03.960 answer that question question, you can disinherit with a prenup. 1426 01:15:04.600 --> 01:15:07.399 Without a prenup, you must leave at least five percent. 1427 01:15:08.399 --> 01:15:13.439 So what does it mean then if you married and 1428 01:15:13.800 --> 01:15:17.680 you were with someone for twenty years and divorced, the 1429 01:15:17.720 --> 01:15:22.119 divorce settlement ends all claims to the estate, Well if 1430 01:15:22.199 --> 01:15:25.199 it does, which most of them do, which means you 1431 01:15:25.279 --> 01:15:28.079 have no further claim to the estate for a husband 1432 01:15:28.159 --> 01:15:30.640 or wife because the divorce settlement is supposed to take 1433 01:15:30.680 --> 01:15:34.119 care of that. But any new spouse after a divorce 1434 01:15:34.479 --> 01:15:39.119 would then start counting year, one, year, two, et cetera, 1435 01:15:39.239 --> 01:15:41.960 et cetera, and it would be five percent per year 1436 01:15:41.960 --> 01:15:45.079 in Colorado up to fifty percent. 1437 01:15:46.279 --> 01:15:47.880 So that's the answer to that question. 1438 01:15:48.439 --> 01:15:51.159 And we always seem to have lingering questions when we 1439 01:15:51.199 --> 01:15:54.840 have Dan mackenzie on as far as a trust, can 1440 01:15:54.880 --> 01:15:59.319 you simply dissolve it and not do what the trust wants? 1441 01:16:00.439 --> 01:16:06.640 Technically you can in certain circumstances. For example, if all 1442 01:16:06.800 --> 01:16:13.199 beneficiaries agree, then you can forego the trust. 1443 01:16:13.239 --> 01:16:19.079 If all beneficiaries and the trustee agree, they can make. 1444 01:16:18.920 --> 01:16:22.279 A plea to the court to dissolve the trust because 1445 01:16:22.720 --> 01:16:26.079 none of them is being screwed out of anything. So 1446 01:16:26.319 --> 01:16:31.199 in that case, you don't have you don't have to 1447 01:16:31.239 --> 01:16:35.159 go by the terms of the trust. And a trust, 1448 01:16:35.159 --> 01:16:40.199 of course, is something that basically survives death. That's why 1449 01:16:40.239 --> 01:16:42.640 people have trusts. So if you have a trust that 1450 01:16:42.760 --> 01:16:49.079 owns things, for example, that trust still owns those things 1451 01:16:49.479 --> 01:16:54.399 through your death, and then it's up to the trustee 1452 01:16:54.439 --> 01:16:58.560 to handle the affairs of those items based on the 1453 01:16:58.600 --> 01:17:02.399 instructions in the true trust. And again that's for the 1454 01:17:02.399 --> 01:17:05.880 trustee and for the trust. If you're a beneficiary, they 1455 01:17:05.920 --> 01:17:10.199 can't issue out of it without your approval. Now, some 1456 01:17:10.319 --> 01:17:13.720 people do a poor man's trust and it actually works 1457 01:17:13.760 --> 01:17:16.399 pretty well. And again I would do nothing like this 1458 01:17:16.479 --> 01:17:21.439 without any without certain input from your attorneys, but I 1459 01:17:21.520 --> 01:17:24.199 call it a poor man's trust. You can literally own 1460 01:17:24.319 --> 01:17:29.479 things within LLLC. Now, the LLC can be owned part 1461 01:17:29.560 --> 01:17:35.920 by you and others, and then the LLC will survive 1462 01:17:36.000 --> 01:17:39.680 a death even if you're part of that LLC, and 1463 01:17:39.720 --> 01:17:42.920 then your share can go to whoever you designate it to, 1464 01:17:43.359 --> 01:17:45.439 and then they become an owner of the LLC, but 1465 01:17:45.560 --> 01:17:49.680 the LLC could own property, and that property would still 1466 01:17:49.720 --> 01:17:53.640 be owned by the LLC to be dealt with. Like 1467 01:17:53.760 --> 01:17:59.720 the LLC document instructs, it's a partnership agreement though for 1468 01:18:00.119 --> 01:18:03.439 of a better word, a limited liability company. So a 1469 01:18:03.479 --> 01:18:06.479 limited liability company can kind of serve as a poor 1470 01:18:06.520 --> 01:18:10.680 man's trust and do essentially some of the same things. Now, 1471 01:18:10.720 --> 01:18:13.600 there are reasons you would want a trust and not 1472 01:18:13.680 --> 01:18:15.880 an LLC, but again that's not for me to talk 1473 01:18:15.880 --> 01:18:18.159 to you about. That's for an attorney like you know 1474 01:18:18.319 --> 01:18:22.840 McKenzie Law Dan McKenzie or Keel and Park. We have 1475 01:18:22.920 --> 01:18:24.840 good people on a referral list that can help you 1476 01:18:24.880 --> 01:18:28.119 with that. But that's really some of the things you 1477 01:18:28.159 --> 01:18:28.960 should consider. 1478 01:18:29.319 --> 01:18:34.439 Now. I want to I want to talk. 1479 01:18:34.239 --> 01:18:39.720 About some stuff here that is really important, okay, and 1480 01:18:39.760 --> 01:18:45.119 that is when it comes to credit cards. You will 1481 01:18:45.119 --> 01:18:52.119 not believe what they're using now to help evaluate customers 1482 01:18:52.720 --> 01:18:56.760 for renewals and for interest rate changes. I'm going to 1483 01:18:56.800 --> 01:19:01.840 go over that coming up. They actually look at something 1484 01:19:01.880 --> 01:19:05.800 you're you're gonna find a little shocking, but it's being done. 1485 01:19:06.279 --> 01:19:09.960 Three oh three seven one three eight two five five. 1486 01:19:10.319 --> 01:19:11.520 Compass insurance group. 1487 01:19:11.560 --> 01:19:15.720 By the way, we'll do your insurance comparisons to make 1488 01:19:15.720 --> 01:19:18.239 sure you're not paying too much and that you're not 1489 01:19:18.479 --> 01:19:22.000 under insured or over inshort three oh three nine nine 1490 01:19:22.159 --> 01:19:31.000 six nine thousand, Go with a sure thing Denver's best 1491 01:19:31.079 --> 01:19:33.079 roofer Excel Roofing dot com. 1492 01:19:33.119 --> 01:19:35.119 You don't pay a cent until you're content. 1493 01:19:38.479 --> 01:19:41.680 Time for an insurance check up free no obligation comparison 1494 01:19:41.800 --> 01:19:45.359 call Compass Insurance Paying too much your coverage at dozens 1495 01:19:45.399 --> 01:19:48.119 of insurance companies find out now three oh three seven 1496 01:19:48.239 --> 01:19:51.039 seven to one help. You'll think you're his only customer 1497 01:19:51.079 --> 01:19:53.319 when you choose Frank durand the real estate Man dot 1498 01:19:53.359 --> 01:19:56.640 com to list your home with Remax Alliance three oh 1499 01:19:56.720 --> 01:20:03.600 three nine two zero sixteen twenty two. Hi Tom Martino, 1500 01:20:04.359 --> 01:20:08.000 your troubleshooter three oh three seven one three talks seven 1501 01:20:08.039 --> 01:20:11.239 one three eight two five five. If you have a problem, 1502 01:20:11.680 --> 01:20:14.079 call us no matter how early you are in the stages. 1503 01:20:14.119 --> 01:20:16.800 You can also text me, and I've gone a few 1504 01:20:16.840 --> 01:20:19.560 texts here and you can text my private Google number 1505 01:20:19.640 --> 01:20:22.039 or this station number first of all, the iHeart number 1506 01:20:22.359 --> 01:20:23.840 that people text and you put my. 1507 01:20:23.920 --> 01:20:25.920 Name in the subject line, it'll get to me. 1508 01:20:26.039 --> 01:20:29.760 Or somewhere in the text it's five seven seven three 1509 01:20:29.920 --> 01:20:33.159 nine short code five seven seven three nine my Google 1510 01:20:33.239 --> 01:20:34.239 number seven four. 1511 01:20:34.159 --> 01:20:38.640 Seven nine nine nine fifty two eighty. 1512 01:20:39.359 --> 01:20:41.359 Hey Tom, can I give a shout out? 1513 01:20:42.199 --> 01:20:42.800 Go ahead, sir. 1514 01:20:43.000 --> 01:20:46.800 I went to this Italian restaurant. It's called it reminded 1515 01:20:46.840 --> 01:20:49.039 me because of a kachina over here. 1516 01:20:49.359 --> 01:20:50.359 But the name of it is. 1517 01:20:50.359 --> 01:20:54.479 Calorie, just plant Calorie, and it's on a Yale and Broadway. 1518 01:20:55.000 --> 01:20:59.840 The food was fantastic, reasonably priced, good service, and so 1519 01:21:00.119 --> 01:21:00.960 glad I've found it. 1520 01:21:01.239 --> 01:21:03.039 Now if I want a good Italian meal. 1521 01:21:03.960 --> 01:21:05.399 Very good, very good. 1522 01:21:06.279 --> 01:21:09.479 There are quite a few really good Italian restaurants. Man, 1523 01:21:09.560 --> 01:21:13.039 that's a very popular food. I think Italian and Mexican 1524 01:21:13.640 --> 01:21:16.640 are right up there in the two most popular restaurants 1525 01:21:16.680 --> 01:21:19.319 in the Denver metro area. Okay, So I want to 1526 01:21:19.359 --> 01:21:27.039 talk about credit cards. So credit cards now, credit card company, 1527 01:21:27.079 --> 01:21:29.800 and I say, now, it's been a few years, but 1528 01:21:29.880 --> 01:21:36.560 they're really starting to use spending habits based on what 1529 01:21:36.720 --> 01:21:42.600 you charge to alter your rate. So sometimes you get 1530 01:21:42.600 --> 01:21:46.159 an increase in rate or an increase in credit. Sometimes, 1531 01:21:47.079 --> 01:21:50.920 very rarely you'd get a decrease in credit line. And 1532 01:21:51.000 --> 01:21:53.680 you sometimes can get a decrease though in your rate 1533 01:21:54.680 --> 01:21:56.880 or transfer balances or whatever. 1534 01:21:57.840 --> 01:22:02.399 Part of the risk algorithm the risk factor, and it's 1535 01:22:02.439 --> 01:22:07.560 not just so much risk. But in some cases, how 1536 01:22:07.560 --> 01:22:14.920 do I put this, it's a way to social engineer. 1537 01:22:15.079 --> 01:22:16.159 That's the only way I can say. 1538 01:22:17.560 --> 01:22:24.119 So they look at purchasers and what they're buying. For example, 1539 01:22:24.760 --> 01:22:30.479 you may be a higher risk client for no other reason. 1540 01:22:31.640 --> 01:22:35.680 Than what you buy or what you pay for. 1541 01:22:37.359 --> 01:22:39.920 And I'll go over those specifics, but I'll give you 1542 01:22:39.960 --> 01:22:40.720 an example. 1543 01:22:41.239 --> 01:22:45.600 Let's say you buy. 1544 01:22:45.279 --> 01:22:51.079 Things that are politically incorrect, or you buy things that 1545 01:22:51.119 --> 01:22:53.279 are considered risky behavior. 1546 01:22:54.399 --> 01:22:56.319 What would that be a lot of sex toys. I'm 1547 01:22:56.359 --> 01:22:59.239 not kidding you. They don't tell you this. 1548 01:23:00.119 --> 01:23:02.880 They just have an algorithm that scores you based on 1549 01:23:02.960 --> 01:23:06.720 what you buy. They have even gone so far as 1550 01:23:06.880 --> 01:23:12.399 people who buy motorcycle parts and black t shirts and 1551 01:23:12.479 --> 01:23:18.119 motorcycle gear to consider them a higher risk because of 1552 01:23:18.199 --> 01:23:22.159 maybe a risky hobby, or people who do. 1553 01:23:24.159 --> 01:23:25.439 Exotic sports. 1554 01:23:27.680 --> 01:23:31.880 They also look at things that could spell bad behavior. 1555 01:23:32.439 --> 01:23:33.520 Things you might buy. 1556 01:23:33.840 --> 01:23:35.720 I don't know if they mean whips and chains, but 1557 01:23:36.119 --> 01:23:40.880 basically they have various algorithms. They will never tell you, 1558 01:23:40.920 --> 01:23:45.159 but credit insiders are saying that they will look at 1559 01:23:45.239 --> 01:23:48.560 what you are buying and the amount you are buying 1560 01:23:49.239 --> 01:23:54.760 in order to rate you. How about supplements or maybe 1561 01:23:55.239 --> 01:23:56.800 crazy health things. 1562 01:23:57.479 --> 01:23:59.640 Your credit card not only shows. 1563 01:23:59.359 --> 01:24:03.560 What what you paid, but what you're purchasing. So no, 1564 01:24:03.760 --> 01:24:05.880 that's another way that they can spine you, and there's 1565 01:24:06.079 --> 01:24:06.880 nothing you can do. 1566 01:24:08.319 --> 01:24:10.960 Nothing. Now they're even selling data. 1567 01:24:11.000 --> 01:24:14.840 Now they can't sell what you bought exactly, but they 1568 01:24:14.960 --> 01:24:20.880 can score you and share what they believe from their 1569 01:24:21.000 --> 01:24:26.359 algorithm you present as a risk to other companies. There 1570 01:24:26.399 --> 01:24:29.359 are people who are even saying that car insurance companies 1571 01:24:29.359 --> 01:24:31.840 are buying some of this data to see what you purchase, 1572 01:24:32.439 --> 01:24:35.880 to see what kind of a person you are. I 1573 01:24:35.880 --> 01:24:37.920 don't know how far they go, folks, I don't know. 1574 01:24:38.279 --> 01:24:41.279 This insider said they go farther than you might think. 1575 01:24:41.600 --> 01:24:45.760 So what if you buy a lot of political stuff 1576 01:24:45.760 --> 01:24:51.000 for one party or another? Does that matter? It's amazing 1577 01:24:51.439 --> 01:24:57.359 what technology has done to our world. So if you 1578 01:24:57.479 --> 01:24:59.720 really want to be invisible, you're gonna have to start 1579 01:24:59.760 --> 01:25:03.319 doing cash, and you're gonna have to start doing a 1580 01:25:03.319 --> 01:25:07.000 lot of things. There are actually companies now, oddly enough, 1581 01:25:07.000 --> 01:25:11.479 they're online telling you how to erase yourself from technology. 1582 01:25:12.600 --> 01:25:15.720 Do you think that might be a popular thing, learning 1583 01:25:15.720 --> 01:25:17.079 how to erase yourself? 1584 01:25:17.920 --> 01:25:18.600 Think about this. 1585 01:25:18.680 --> 01:25:22.159 If you have a kid, you can teach them from 1586 01:25:22.239 --> 01:25:26.279 an early age how to erase themselves if they never start. 1587 01:25:26.720 --> 01:25:28.840 Would that be cool or would that be harmful? 1588 01:25:28.880 --> 01:25:31.439 Do you think let's go to Chris By They I 1589 01:25:31.439 --> 01:25:34.640 mean john Pamela, Pamela, you have a question on moving companies. 1590 01:25:34.680 --> 01:25:36.119 Go ahead, pam what's happening? 1591 01:25:38.239 --> 01:25:42.960 Yes, I live in Windsor Gardens here in Denver. I'm 1592 01:25:43.000 --> 01:25:46.439 going to be moving from one building to the next. 1593 01:25:46.560 --> 01:25:51.039 It's literally next door. And I looked on your referral 1594 01:25:51.039 --> 01:25:53.680 list and I didn't see any moving companies, and I 1595 01:25:53.840 --> 01:25:56.800 just kind of wanted to know, you know some dudes 1596 01:25:56.840 --> 01:25:59.439 and don't and see, Okay. 1597 01:25:59.560 --> 01:26:02.399 Well, first of all, get a real moving company. First 1598 01:26:02.399 --> 01:26:05.039 of all, get a real moving company. But we do 1599 01:26:05.119 --> 01:26:06.760 have moving on our referral lists. 1600 01:26:06.760 --> 01:26:11.239 Nope, we do not what Nope, we do not. What 1601 01:26:11.399 --> 01:26:14.279 happened Mark, Well. 1602 01:26:14.319 --> 01:26:16.039 I don't want to get into it now, but we 1603 01:26:16.199 --> 01:26:20.359 just don't have one. But I do like Johnson Storage 1604 01:26:20.399 --> 01:26:21.439 and Moving for sure. 1605 01:26:21.960 --> 01:26:25.079 They've been around for usk is move Masters. 1606 01:26:25.359 --> 01:26:29.199 We have used them so many times and friends and family. 1607 01:26:29.199 --> 01:26:33.439 They had DOC like semi, im just okay, we can give. 1608 01:26:33.319 --> 01:26:37.640 You personal experience, then that's good, you know, Mark. 1609 01:26:37.640 --> 01:26:38.920 Is it safe to say? 1610 01:26:39.119 --> 01:26:43.520 Is it safe to say for everyone listening except for Johnson? 1611 01:26:43.560 --> 01:26:45.239 I swear to god they've been around one hundred and 1612 01:26:45.239 --> 01:26:47.640 twenty five years. But is it safe to say that 1613 01:26:47.840 --> 01:26:50.800 we can't depend on movers to stay the way they are? 1614 01:26:50.960 --> 01:26:54.119 I mean, I would that be a good statement or not. 1615 01:26:56.079 --> 01:27:00.319 That would be okay? Or is it some that just 1616 01:27:00.479 --> 01:27:03.000 decided not to be on the referral list anymore? I mean, really, 1617 01:27:03.039 --> 01:27:03.800 what do you know? 1618 01:27:04.279 --> 01:27:07.640 It was promise after promise. Okay, I definitely wanted to 1619 01:27:07.640 --> 01:27:10.000 be on the referral list, but it gets to a 1620 01:27:10.039 --> 01:27:11.880 point where it's six months down the road. 1621 01:27:11.920 --> 01:27:16.960 I've had it, Okay, So people, if we have problems, 1622 01:27:17.720 --> 01:27:21.600 Mark really looks into these problems. Okay, just let me 1623 01:27:21.600 --> 01:27:24.079 tell you that. And we don't take it lightly. So 1624 01:27:24.199 --> 01:27:27.359 I guess there's a reason right now we don't have them. 1625 01:27:27.359 --> 01:27:31.760 But what's the name of that one? Docs? 1626 01:27:32.760 --> 01:27:34.319 And then Johnson. 1627 01:27:34.399 --> 01:27:38.600 You'll never go wrong with Johnson never Now, they've been 1628 01:27:38.640 --> 01:27:40.960 on my referral list. They were on my referral list 1629 01:27:40.960 --> 01:27:43.560 for years and truly, I don't even know why they're 1630 01:27:43.560 --> 01:27:46.800 not on anymore, you know, I mean, frankly, they probably 1631 01:27:46.840 --> 01:27:51.199 don't need it. I mean, without sounding crazy, I mean, 1632 01:27:51.199 --> 01:27:53.479 that's probably it. They they've just been around for so 1633 01:27:53.600 --> 01:27:56.199 long they do a small job like that. Tom, Yes, 1634 01:27:56.279 --> 01:27:56.680 they will. 1635 01:27:57.119 --> 01:27:58.600 Yeah. 1636 01:27:58.640 --> 01:28:01.159 And there used to be a family, the Grabel family. 1637 01:28:01.319 --> 01:28:03.920 Now they sold out, but god was that a good 1638 01:28:03.960 --> 01:28:08.800 company too. They were on the referraless years ago. And anyway, 1639 01:28:08.960 --> 01:28:10.560 I don't want to get I don't want to get 1640 01:28:10.600 --> 01:28:12.439 too specific on ones that used to be on there, 1641 01:28:12.479 --> 01:28:14.279 because there are some that used to be on there 1642 01:28:14.319 --> 01:28:17.640 that we will not recommend. But Pamela, here's the most 1643 01:28:17.640 --> 01:28:20.159 important thing. Guaranteed not to exceed contract. 1644 01:28:20.239 --> 01:28:23.920 Did you hear me? Okay, that's all. 1645 01:28:24.079 --> 01:28:26.800 That's all you need, guaranteed not to exceed and not 1646 01:28:26.880 --> 01:28:28.279 an estimate, but a contract. 1647 01:28:28.880 --> 01:28:31.840 And uh okay, it's the best way to do it. 1648 01:28:32.560 --> 01:28:36.399 And then if you buy insurance, you buy insurance directly 1649 01:28:36.560 --> 01:28:38.880 and verify you have it. Three oh three seven one 1650 01:28:38.920 --> 01:28:41.279 three eight two five five. Chris, you have a question 1651 01:28:41.319 --> 01:28:43.880 on closing an IRA. Go ahead, Chris, what's going on? 1652 01:28:44.600 --> 01:28:50.000 Hey? Tom online seventy two years old, and I have 1653 01:28:50.039 --> 01:28:54.680 a traditional IRA that only has twenty eight thousand dollars 1654 01:28:54.680 --> 01:28:59.279 in it. But I need the money, okay. So I can't, 1655 01:28:59.279 --> 01:29:02.960 for the life of me figure out how much tax 1656 01:29:03.039 --> 01:29:05.079 is going to be taken out as any or how 1657 01:29:05.119 --> 01:29:05.720 to do this? 1658 01:29:06.239 --> 01:29:08.920 Okay, okay, hold on, who do you have it with 1659 01:29:09.079 --> 01:29:09.520 right now? 1660 01:29:10.000 --> 01:29:10.840 Pro price? 1661 01:29:11.680 --> 01:29:14.279 Okay? And is it earning money where you don't you 1662 01:29:14.279 --> 01:29:15.720 don't want to catch or do you want to cash 1663 01:29:15.760 --> 01:29:16.199 it all out? 1664 01:29:16.640 --> 01:29:19.039 I want to cash it all out. In twenty years, 1665 01:29:19.199 --> 01:29:21.119 I've made eighteen thousand dollars. 1666 01:29:21.239 --> 01:29:25.159 Yeah, that's terrible. Okay, so listen. So with tax deferral, 1667 01:29:25.199 --> 01:29:27.880 that's really terrible. But then on the other hand, you're 1668 01:29:27.880 --> 01:29:29.399 not going to have a lot of tax to pay. 1669 01:29:29.600 --> 01:29:31.720 Oh wait wait no, this is an IRA, so you're 1670 01:29:31.720 --> 01:29:34.119 you're gonna have to pay on everything because now what 1671 01:29:34.359 --> 01:29:37.039 what you will do is just pay on how much 1672 01:29:37.079 --> 01:29:39.279 you take out. It's it's going to be that simple, 1673 01:29:39.600 --> 01:29:41.840 and it's going to be based on ordinary income. 1674 01:29:41.920 --> 01:29:43.960 Unfortunately it's not capital gains. 1675 01:29:44.199 --> 01:29:46.520 But you have to be in a low class right now, 1676 01:29:46.560 --> 01:29:48.600 as far as income, what is your income? 1677 01:29:51.680 --> 01:29:54.800 I only have self security twenty three hundred dollars a month. 1678 01:29:54.840 --> 01:29:55.840 I'm trying to live. 1679 01:29:55.640 --> 01:30:01.479 On okay with the mortgage okay, but okay, you're gonna 1680 01:30:01.479 --> 01:30:05.560 pay you know you're gonna pay about twenty percent. 1681 01:30:05.800 --> 01:30:07.680 Well, here's what you do. It's very easy. 1682 01:30:07.880 --> 01:30:10.359 Just withdraw it, close it, no matter what you're gonna 1683 01:30:10.359 --> 01:30:12.479 pay the tax on it. You'll get a ten ninety 1684 01:30:12.560 --> 01:30:15.840 nine and then you'll pay tax accordingly when you fill 1685 01:30:15.880 --> 01:30:18.520 it out. Or do you need to know how much 1686 01:30:18.520 --> 01:30:20.680 of it you can spend? Some of them will only 1687 01:30:20.720 --> 01:30:24.039 send you a certain amount and withhold tax anyway, But are. 1688 01:30:23.920 --> 01:30:26.720 You I'm suspecting that they're going to ask me if 1689 01:30:26.720 --> 01:30:29.880 I want and withhold tax at the get go? 1690 01:30:30.239 --> 01:30:32.680 Will okay, I'll tell you what. Let me get hold on. 1691 01:30:32.760 --> 01:30:35.560 I want to get someone on for you, Hey, Kachina, 1692 01:30:35.800 --> 01:30:39.680 Let's try to get Eric on from Atlas CPA, or 1693 01:30:39.720 --> 01:30:42.439 we'll get Mallory, one of our accountants on to give 1694 01:30:42.479 --> 01:30:45.479 her some general guidelines. You hang on and we'll we'll 1695 01:30:45.760 --> 01:30:48.399 do that for you. Chris, right, yeah, hang on three 1696 01:30:48.640 --> 01:30:50.680 three seven, one, three eight two five five. Keith has 1697 01:30:50.720 --> 01:30:52.880 an issue with a neighbor and we're going to get 1698 01:30:52.920 --> 01:30:56.399 to you. And also Frank wants to talk about eye doctors. 1699 01:30:56.399 --> 01:30:59.199 Now that's easy for me, I mean, because there aren't 1700 01:30:59.239 --> 01:30:59.960 that many around them. 1701 01:31:00.079 --> 01:31:04.119 I would recommend pro bid energy for your solar needs. 1702 01:31:04.159 --> 01:31:09.479 Probid energy dot com, including commercial systems with grants or 1703 01:31:09.680 --> 01:31:18.239 residential probid Energy dot com. Go with a sure thing 1704 01:31:18.359 --> 01:31:21.159 Denver's best roofer Excel Roofing dot com. 1705 01:31:21.199 --> 01:31:23.239 You don't pay a cent until you're content. 1706 01:31:26.600 --> 01:31:29.800 Time for an insurance check up free no obligation comparison 1707 01:31:29.920 --> 01:31:33.479 call Compass Insurance paying too much your coverage at dozens 1708 01:31:33.479 --> 01:31:36.199 of insurance companies find out now three oh three seven 1709 01:31:36.319 --> 01:31:36.800 seven to one. 1710 01:31:36.920 --> 01:31:37.159 Help. 1711 01:31:37.319 --> 01:31:39.960 You'll think you're his only customer when you choose Frank 1712 01:31:40.039 --> 01:31:42.479 durand the real estate Man dot com to list your 1713 01:31:42.520 --> 01:31:45.640 home with Remax Alliance three oh three nine two zero 1714 01:31:45.800 --> 01:31:50.640 sixteen twenty two. Hi Tom Martino, your troubleshooter three O 1715 01:31:50.760 --> 01:31:53.399 three seven one three talks seven one three eight two 1716 01:31:53.479 --> 01:31:55.960 five five. So this question is really one of math. 1717 01:31:56.479 --> 01:32:00.239 But I have Eric Reinemran from atlascpa's Atlasfirms dot com, 1718 01:32:00.319 --> 01:32:05.119 Atlas CPAs and Financial Advisors for a reason to talk 1719 01:32:05.159 --> 01:32:08.720 about the payment. Chris is seventy two and I believe 1720 01:32:08.760 --> 01:32:10.760 you said you have seventy two grand in an IRA 1721 01:32:11.520 --> 01:32:14.199 and you want to you want to cash it out. 1722 01:32:14.279 --> 01:32:19.600 Your other income basically amounts to twenty three one hundred 1723 01:32:19.600 --> 01:32:22.279 bucks a month, which is roughly. 1724 01:32:23.439 --> 01:32:25.239 Roughly twenty seven to six a year. 1725 01:32:25.920 --> 01:32:30.520 And the way I understand that, mathematically speaking, Eric, eighty 1726 01:32:30.600 --> 01:32:34.920 five percent of that is taxable. And along with her, 1727 01:32:35.399 --> 01:32:37.960 to make a long story short, along with her seventy 1728 01:32:38.000 --> 01:32:43.760 two thousand dollars IRA, she'll have income that year, you know, 1729 01:32:43.920 --> 01:32:49.960 of approximately ninety five grand, and going by the tax brackets, 1730 01:32:51.039 --> 01:32:56.880 her tax might be math speaking, only sixteen three. And 1731 01:32:57.560 --> 01:32:59.880 that's what I'm seeing here, so that would give you 1732 01:32:59.880 --> 01:33:02.880 a net of about fifty five to seven. But having 1733 01:33:02.960 --> 01:33:04.800 said all of that, Eric can correct me if I'm 1734 01:33:04.800 --> 01:33:08.760 wrong on that really quick math. But having said all 1735 01:33:08.760 --> 01:33:12.520 of that, when does she pay that? 1736 01:33:12.520 --> 01:33:15.359 That would get paid when she filed twenty twenty four 1737 01:33:15.439 --> 01:33:16.880 taxatur and come April. 1738 01:33:17.840 --> 01:33:21.159 So if she draws it out now, then she has 1739 01:33:21.199 --> 01:33:26.760 to pay that tax before April fifteenth. 1740 01:33:25.119 --> 01:33:25.640 That's right. 1741 01:33:25.680 --> 01:33:28.119 And also it might be wise to consider if it 1742 01:33:28.159 --> 01:33:30.920 could somehow be drawn out not allt a once, but 1743 01:33:31.079 --> 01:33:34.680 like push something into January twenty four, just to avoid 1744 01:33:34.960 --> 01:33:35.920 higher brackets. 1745 01:33:36.840 --> 01:33:39.840 So in other words, she can choose to cash half 1746 01:33:39.880 --> 01:33:41.640 of it, now and half of it later. 1747 01:33:42.319 --> 01:33:45.479 Or over five years. It's really a cash flow consideration 1748 01:33:45.560 --> 01:33:48.319 on how big the need is. But why bundle a 1749 01:33:48.359 --> 01:33:51.720 bunch of taxle income into one year if you've got 1750 01:33:51.800 --> 01:33:54.359 lower other income. I would spread it out as much 1751 01:33:54.399 --> 01:33:54.960 as you can. 1752 01:33:55.720 --> 01:33:58.199 Chris, what about that? You really what do you need 1753 01:33:58.199 --> 01:33:58.880 the money for. 1754 01:34:01.039 --> 01:34:04.920 House repairs and stuff? It's twenty eight thousand. I'm seventy 1755 01:34:04.960 --> 01:34:09.680 two years old. It's twenty eight thousand dollars. It's just 1756 01:34:09.720 --> 01:34:11.640 been sitting out there forever not doing it. 1757 01:34:11.760 --> 01:34:16.720 Oh, I'm sorry, it's not seventy two thousand. Correct, I'm 1758 01:34:16.800 --> 01:34:17.600 so sorry. 1759 01:34:17.760 --> 01:34:18.159 Okay. 1760 01:34:18.880 --> 01:34:22.199 The only income I have is my Social Security. 1761 01:34:22.640 --> 01:34:26.840 Okay, I'm sorry. I want to redo that math. But okay, 1762 01:34:28.000 --> 01:34:30.319 I don't know why. I guess I got the seventy 1763 01:34:30.319 --> 01:34:32.439 two mixed up because how old you are? So Okay, 1764 01:34:32.479 --> 01:34:35.279 So here's the bottom line. It's still the same, I 1765 01:34:35.279 --> 01:34:38.039 mean not the same. You're gonna pay way less than taxes, 1766 01:34:39.079 --> 01:34:40.840 but you're still gonna pay taxes. 1767 01:34:40.880 --> 01:34:42.319 So you're gonna have a total. 1768 01:34:42.680 --> 01:34:45.880 Income of about fifty grand or so, you're going to 1769 01:34:45.920 --> 01:34:50.399 pay about sixty six hundred taxes basically, So you know, 1770 01:34:50.479 --> 01:34:53.039 take twenty eight grand. You're gonna have a twenty one 1771 01:34:53.079 --> 01:34:54.319 thousand or something like that. 1772 01:34:54.760 --> 01:34:55.640 Is that going to be enough? 1773 01:34:56.119 --> 01:34:59.439 I don't understand the why pay now and then pay 1774 01:34:59.560 --> 01:35:00.359 the next here? 1775 01:35:00.560 --> 01:35:01.079 What difference? 1776 01:35:01.079 --> 01:35:04.159 Well, what he meant was this, you're in a bracket. 1777 01:35:04.720 --> 01:35:05.960 Go ahead, Eric, explain it. 1778 01:35:06.560 --> 01:35:06.800 Yeah. 1779 01:35:07.159 --> 01:35:10.880 So Chris, this income, it just gets added to your 1780 01:35:10.960 --> 01:35:14.680 other Social Security income and you don't have to pay 1781 01:35:15.640 --> 01:35:18.039 You don't have to pay ultimately until you file your 1782 01:35:18.079 --> 01:35:21.039 tax return in March or April. That's when you pay 1783 01:35:21.079 --> 01:35:24.159 the taxes when you file your twenty four top turn 1784 01:35:24.239 --> 01:35:27.800 this right, you could? But also I'm just saying, Chris, 1785 01:35:27.840 --> 01:35:31.000 if you could somehow not need all of that right now, 1786 01:35:31.319 --> 01:35:33.920 you pay less tax. If you could divide it up 1787 01:35:34.159 --> 01:35:37.159 and maybe do half now and half in January to 1788 01:35:37.560 --> 01:35:40.199 push it out, to not be pushing at your income 1789 01:35:40.199 --> 01:35:41.279 into a higher bracket. 1790 01:35:42.640 --> 01:35:46.479 Oh oh I see, Okay, Yeah, because you're so close 1791 01:35:46.520 --> 01:35:49.119 to the end of the year, if you take fourteen 1792 01:35:49.199 --> 01:35:55.760 grand now and fourteen grand in next year here, yeah. 1793 01:35:55.359 --> 01:36:01.000 Your total tax may be less than the sixty six I. 1794 01:36:00.920 --> 01:36:03.199 Could do that. Yeah. 1795 01:36:03.520 --> 01:36:06.199 And the thing is, Chris that if Chris, if you 1796 01:36:06.239 --> 01:36:10.239 have that little other income is Social Security, you probably 1797 01:36:10.239 --> 01:36:13.800 are you file a single just yourself tax per ten 1798 01:36:14.880 --> 01:36:18.720 So the first thirteen thousand or so of your income 1799 01:36:19.119 --> 01:36:22.439 is tax free anyway, So you might even owe less 1800 01:36:22.479 --> 01:36:27.199 taxes because your first thirteen thousand is only well, it's 1801 01:36:27.239 --> 01:36:31.439 tax free, and you at that level of income, you 1802 01:36:31.520 --> 01:36:34.279 might not even pay eighty five percent on Social Security 1803 01:36:34.279 --> 01:36:37.840 because the less you're twenty five to thirty, you might 1804 01:36:37.880 --> 01:36:42.039 only pay fifty percent. You know, it's a sliding scale thing. 1805 01:36:42.560 --> 01:36:46.439 You're right, okay, so you know. 1806 01:36:46.439 --> 01:36:49.399 What if you spread it over, He's right that eighty 1807 01:36:49.479 --> 01:36:54.720 five percent of tax on a Social Security is only 1808 01:36:55.319 --> 01:36:59.560 if you go over a certain threshold. Otherwise you don't 1809 01:36:59.600 --> 01:37:02.319 pay that eighty five and you don't count eighty five 1810 01:37:02.319 --> 01:37:03.640 percent tax is. 1811 01:37:03.560 --> 01:37:05.800 Taken out of my self security every month. 1812 01:37:05.880 --> 01:37:07.840 Yeah, but that that's not what we're talking about. 1813 01:37:07.880 --> 01:37:12.159 We're okay, I understand what you're saying, but it's still 1814 01:37:12.199 --> 01:37:15.039 figured into your total taxes what we're saying. Okay, that, 1815 01:37:15.399 --> 01:37:21.159 but however, I believe I believe that you would be 1816 01:37:21.159 --> 01:37:23.840 better off doing it over two years. What they're saying 1817 01:37:23.960 --> 01:37:27.600 is it's not that much more. But they're saying your 1818 01:37:27.640 --> 01:37:31.720 tax each year would be about you're going to look 1819 01:37:31.760 --> 01:37:37.199 at a total savings of about six hundred dollars. From 1820 01:37:37.239 --> 01:37:39.880 what I'm seeing here, I did some really quick. 1821 01:37:39.920 --> 01:37:41.720 Man. Again, you might want. 1822 01:37:41.600 --> 01:37:44.399 To do the number fourteen now and the other fourteen 1823 01:37:44.680 --> 01:37:45.800 sometime next year. 1824 01:37:46.239 --> 01:37:46.960 Well you do it. 1825 01:37:47.079 --> 01:37:49.079 You can do it right after the first and get 1826 01:37:49.159 --> 01:37:52.439 so you effectively have your twenty eight grand, and then 1827 01:37:52.479 --> 01:37:56.319 before the fifteenth you pay your your your one bill 1828 01:37:56.720 --> 01:38:01.399 right of three thousand something, and then before April fifteenth 1829 01:38:01.439 --> 01:38:04.960 of the following year, you pay the other three grand. Okay, 1830 01:38:05.000 --> 01:38:08.159 so you're basically gonna save about four to five hundred 1831 01:38:08.199 --> 01:38:09.960 bucks doing it over two years. 1832 01:38:10.239 --> 01:38:12.239 O take it all right? 1833 01:38:12.279 --> 01:38:13.119 So thank you. 1834 01:38:13.319 --> 01:38:18.920 Eric Reinemer and Eric Is with Atlas CPAs and Financial Advisors. 1835 01:38:18.920 --> 01:38:22.119 Three oh three seven nine nine nine one one one. 1836 01:38:22.800 --> 01:38:26.680 Let's talk to uh Frank about his uh he needs 1837 01:38:26.720 --> 01:38:29.119 an eye doctor or an ear doctor. 1838 01:38:29.119 --> 01:38:32.479 I'm sorry, an ear doctor. What's going on? 1839 01:38:32.640 --> 01:38:35.399 And is it an ear doctor or are you talking 1840 01:38:35.439 --> 01:38:37.239 about hearing aids and audiologist? 1841 01:38:37.319 --> 01:38:37.640 Frank? 1842 01:38:38.800 --> 01:38:42.000 No, I need an ear doctor. My ears are ringing and. 1843 01:38:42.279 --> 01:38:46.479 It's driving me nuts. Okay, how long have they been ringing? Frank? 1844 01:38:48.479 --> 01:38:49.479 That's a great question. 1845 01:38:49.720 --> 01:38:51.560 No, seriously, how long have you been suffering? 1846 01:38:51.640 --> 01:38:53.640 From it, I would say they've been my ears have 1847 01:38:53.720 --> 01:38:59.760 been ringing about a week. Oh, a big problem is 1848 01:38:59.800 --> 01:39:02.119 I'm not sleep Wait. 1849 01:39:01.880 --> 01:39:03.840 A minute, it just suddenly came on. 1850 01:39:05.359 --> 01:39:09.960 Yes, did anything else happen during that week at all? 1851 01:39:10.239 --> 01:39:14.439 Any noises or any infections, any sinuses, anything you can 1852 01:39:14.479 --> 01:39:14.840 think of. 1853 01:39:16.239 --> 01:39:18.640 I'm the most healthy ninety four year old person. 1854 01:39:18.960 --> 01:39:21.520 Oh my god in heaven, you're the healthiest ninety four 1855 01:39:21.560 --> 01:39:21.960 year old. 1856 01:39:22.439 --> 01:39:24.800 You're giving me inspiration. But let me ask you this. 1857 01:39:25.319 --> 01:39:28.840 So you basically woke up with it or went Just 1858 01:39:28.880 --> 01:39:29.960 tell me how it came on. 1859 01:39:30.279 --> 01:39:34.039 The thing is that you go to sleep, but the 1860 01:39:34.079 --> 01:39:36.720 whatever time when you wake up at whatever time, right, 1861 01:39:36.920 --> 01:39:40.680 and suddenly I realized, Hey, I am not sleeping all 1862 01:39:40.800 --> 01:39:44.600 damn night. Well it's been going on for a week 1863 01:39:44.640 --> 01:39:47.239 where I have not swept well. Last night, for example, 1864 01:39:47.720 --> 01:39:50.760 I did not sleep all night. The ringing in my 1865 01:39:50.880 --> 01:39:52.520 ears will now. 1866 01:39:52.279 --> 01:39:55.239 But what came first? The not sleeping or the ringing? 1867 01:39:57.279 --> 01:39:57.760 The ringing? 1868 01:39:59.159 --> 01:40:05.680 Okay, because you know, you know it's called tenetus, right, Yeah. 1869 01:40:05.439 --> 01:40:09.960 I've heard the war tennisis I don't. 1870 01:40:09.199 --> 01:40:15.960 And really okay, the sudden onset. Sudden onset could be anything. 1871 01:40:16.439 --> 01:40:18.920 I mean, it could be high blood pressure. It could 1872 01:40:18.960 --> 01:40:21.920 be a build up of earwa wax or anything. So 1873 01:40:21.960 --> 01:40:24.119 you're right. What you need is what's called an E 1874 01:40:24.279 --> 01:40:24.479 N T. 1875 01:40:26.239 --> 01:40:29.079 Yes, whatever that is, E M E N. 1876 01:40:29.159 --> 01:40:31.720 T ear Nose and throat doc. 1877 01:40:31.800 --> 01:40:34.520 Where does he find a good What are you on 1878 01:40:34.640 --> 01:40:35.880 any particular plan? 1879 01:40:37.800 --> 01:40:38.439 Well? I have. 1880 01:40:39.880 --> 01:40:43.319 Medicare, of course, but are you. 1881 01:40:43.239 --> 01:40:46.920 On but do you go to any particular primary care? 1882 01:40:48.640 --> 01:40:50.399 I don't even know what that means. I'm so damn 1883 01:40:50.439 --> 01:40:53.920 healthy that I don't see I think very little doctors. 1884 01:40:55.319 --> 01:40:56.560 Okay, so you don't have. 1885 01:40:58.680 --> 01:41:05.239 All right, Okay, I can tell you that you just 1886 01:41:05.319 --> 01:41:07.800 need to look up. I mean, I look at I've 1887 01:41:07.880 --> 01:41:09.680 used in the ant that I love. I don't even 1888 01:41:09.720 --> 01:41:12.760 know if he's still practicing. But here's the point is 1889 01:41:12.800 --> 01:41:15.439 that you need to find and that's what you need. 1890 01:41:16.039 --> 01:41:18.039 And if you if you don't have, if you had. 1891 01:41:17.960 --> 01:41:22.079 A primary care, they would recommend one to you immediately. Okay, 1892 01:41:22.520 --> 01:41:26.840 So that's what I'm getting at. So you don't you 1893 01:41:26.920 --> 01:41:29.640 can't think of you like the last time you went. 1894 01:41:30.359 --> 01:41:34.760 You're supposed to designate a primary care physician for your plan. 1895 01:41:34.840 --> 01:41:35.560 Do you have one? 1896 01:41:37.199 --> 01:41:38.239 Don't know what that means? 1897 01:41:38.720 --> 01:41:41.560 Okay, hold on, we'll get your recommendation. Just hang on, 1898 01:41:41.640 --> 01:41:43.319 we got more coming right out. 1899 01:41:48.960 --> 01:41:52.199 Go with a sure thing Denver's Best roofer Excel Roofing 1900 01:41:52.319 --> 01:41:54.960 dot com. You don't pay a cent until you're content. 1901 01:41:58.319 --> 01:42:01.520 Time for an insurance check up. No obligation in comparison, 1902 01:42:01.640 --> 01:42:05.199 call Compass Insurance paying too much your coverage at dozens 1903 01:42:05.239 --> 01:42:07.960 of insurance companies find out now three all three seven 1904 01:42:07.960 --> 01:42:10.319 to seven to one help. You'll think you're his only 1905 01:42:10.399 --> 01:42:12.880 customer when you choose Frank durand the real estate Man 1906 01:42:12.920 --> 01:42:16.479 dot com to list your home with Remax Alliance three. 1907 01:42:16.399 --> 01:42:18.520 All three nine two zero sixteen twenty two. 1908 01:42:22.680 --> 01:42:26.279 Hey Tom Martino, your troubleshooter three A three seven one 1909 01:42:26.319 --> 01:42:29.079 three talks seven one three eight two five five. Okay, 1910 01:42:29.199 --> 01:42:32.760 hey Frank, listen man. All I can give you is 1911 01:42:32.800 --> 01:42:36.159 someone I dealt with when I first had the onset 1912 01:42:36.279 --> 01:42:37.920 of tentatus. 1913 01:42:38.039 --> 01:42:39.000 Okay. 1914 01:42:39.319 --> 01:42:41.880 Mine came from an infection. I was never able to 1915 01:42:41.880 --> 01:42:45.239 get fully rid of the tenetus. I've treated it successfully 1916 01:42:45.840 --> 01:42:49.359 and it can you can get a lot of help, Okay, 1917 01:42:49.600 --> 01:42:52.720 but I started with an ent Now. I can't tell 1918 01:42:52.760 --> 01:42:55.680 you these people are even the doctor I dealt with 1919 01:42:55.840 --> 01:42:58.039 or anything is still there. But there's there. It's a 1920 01:42:58.079 --> 01:43:01.640 great clinic. It's called Colorado e NT Specialists. 1921 01:43:01.640 --> 01:43:04.920 Okay, are you there. 1922 01:43:04.760 --> 01:43:07.039 Sir, Yes, sir, I'm here. 1923 01:43:07.479 --> 01:43:12.560 The number is the numbers three oh three seven five. 1924 01:43:12.479 --> 01:43:17.359 Zero eighty six hundred start there. 1925 01:43:19.520 --> 01:43:25.640 Eighty six no seven five zero eight six zero eight 1926 01:43:25.760 --> 01:43:26.720 six zero zero. 1927 01:43:26.840 --> 01:43:27.560 Can you Kelly? 1928 01:43:27.600 --> 01:43:29.920 Can you make sure he gets that seven fifty eighty 1929 01:43:29.960 --> 01:43:30.600 six hundred. 1930 01:43:31.039 --> 01:43:32.279 We have more coming right up. 1931 01:43:35.000 --> 01:43:38.279 Go with a sure thing Denvers Best Roofer Excel Roofing 1932 01:43:38.359 --> 01:43:38.920 dot com. 1933 01:43:38.960 --> 01:43:41.720 You don't pay a cent until you're contenth. 1934 01:43:44.359 --> 01:43:47.560 Time for an insurance check up free, no obligation comparison 1935 01:43:47.680 --> 01:43:51.239 call Compass Insurance paying too much your coverage at dozens 1936 01:43:51.279 --> 01:43:54.000 of insurance companies find out now three oh three seven 1937 01:43:54.079 --> 01:43:57.119 seven one help. You'll think you're his only customer when 1938 01:43:57.119 --> 01:43:59.560 you choose Frank durand the real estate Man dot com 1939 01:43:59.600 --> 01:44:02.720 to listen your home with Remax Alliance three oh three 1940 01:44:02.840 --> 01:44:05.039 nine two zero sixteen twenty two. 1941 01:44:05.199 --> 01:44:10.720 Yeah, ripped up. 1942 01:44:12.199 --> 01:44:12.920 News. 1943 01:44:13.439 --> 01:44:14.359 You need advice? 1944 01:44:14.399 --> 01:44:19.359 Who you don't have? Come running just as fast as 1945 01:44:19.359 --> 01:44:19.840 we can. 1946 01:44:21.159 --> 01:44:22.439 Shooter's gonna help. 1947 01:44:22.720 --> 01:44:23.079 Come. 1948 01:44:23.680 --> 01:44:27.359 Man Dix is the Troubleshooter Show. 1949 01:44:27.399 --> 01:44:32.239 Now Tom Martino, Hi, Tom Martino Here Welcome to the show. 1950 01:44:32.399 --> 01:44:34.640 Three oh three seven one three talks at our number 1951 01:44:34.720 --> 01:44:37.159 seven one three A two five five Brought to you 1952 01:44:37.199 --> 01:44:40.399 by one Clear Choice Garage Doors, the best garage door 1953 01:44:40.439 --> 01:44:42.840 company I know of for years and years and years, 1954 01:44:42.840 --> 01:44:45.439 twenty four to seven service for emergencies. If you can't 1955 01:44:45.439 --> 01:44:47.479 get your door closed at night, you need to to 1956 01:44:47.520 --> 01:44:50.279 secure your house, you can call them. They can also 1957 01:44:50.319 --> 01:44:54.119 help you with normal adjustments and power and openers and 1958 01:44:54.600 --> 01:44:58.239 new doors panels, any part of a door. One clear 1959 01:44:58.399 --> 01:45:02.000 Choice Doors dot Com and all of their prices are 1960 01:45:02.039 --> 01:45:05.960 on their website one clear Choice Doors dot Com. So 1961 01:45:06.000 --> 01:45:08.079 what's on your mind today? How can we help you? 1962 01:45:08.439 --> 01:45:09.439 That's what we're asking. 1963 01:45:09.560 --> 01:45:14.439 Hello, YouTube morons and Facebook flunkies, welcome to the show. 1964 01:45:15.079 --> 01:45:18.239 We love solving problems. We love making your life a 1965 01:45:18.279 --> 01:45:20.520 little easier. Have you heard about the Supreme Court, by 1966 01:45:20.520 --> 01:45:24.039 the way, the proposed changes for the Supreme Court. 1967 01:45:24.079 --> 01:45:25.880 Would love to know what you think of that. 1968 01:45:25.920 --> 01:45:28.640 This is not a commentary on Biden, but there is 1969 01:45:28.680 --> 01:45:31.520 a lot of frustration in general, and I was wondering, 1970 01:45:31.680 --> 01:45:33.840 and usually that happens if they don't decide the way 1971 01:45:33.880 --> 01:45:35.279 you like, it's a bad court. 1972 01:45:35.319 --> 01:45:37.399 If they decide the way you like. It's a good court. 1973 01:45:37.880 --> 01:45:41.640 But Biden has a pledge to really change the Supreme 1974 01:45:41.680 --> 01:45:43.279 Court with legislation. 1975 01:45:43.640 --> 01:45:45.600 I don't know actually the power. 1976 01:45:45.319 --> 01:45:47.760 They have to do that, but I thought that was 1977 01:45:47.800 --> 01:45:52.640 set by the Constitution. However, he wants to set term 1978 01:45:52.680 --> 01:45:57.399 limits for justices, a binding code of conduct, and then 1979 01:45:57.399 --> 01:46:02.840 of course he wants to amend that presidential immunity. He 1980 01:46:02.960 --> 01:46:07.600 believes presidential immunity while acting as president should not be 1981 01:46:07.840 --> 01:46:14.600 a strict immunity because you know, presidents could be crooked hint, hint, 1982 01:46:15.760 --> 01:46:20.960 and therefore they shouldn't be immune from their official acts. Again, 1983 01:46:21.039 --> 01:46:25.119 they didn't really define official acts. But Biden has said before, 1984 01:46:25.119 --> 01:46:29.079 and Harris has said that they fear Trump will. 1985 01:46:28.960 --> 01:46:32.199 Assassinate his enemies. And I've actually had. 1986 01:46:33.560 --> 01:46:38.279 Emails from morons not more on, sorry YouTubers, not YouTube 1987 01:46:38.319 --> 01:46:41.920 more on. So I from from people who told me, Tom, 1988 01:46:42.000 --> 01:46:48.479 when you say that it's ridiculous, these claims that democracy 1989 01:46:48.600 --> 01:46:51.960 will be done away with and that Trump will become 1990 01:46:52.279 --> 01:46:57.000 a dictator, it is not ridiculous and it actually will happen. 1991 01:46:57.399 --> 01:46:59.920 So just to let you know, there are people who 1992 01:47:00.079 --> 01:47:03.960 truly believe that you need to take away this presidential 1993 01:47:04.000 --> 01:47:08.960 immunity because Trump will become a dictator and assassinate his opposition. 1994 01:47:09.720 --> 01:47:12.640 But I want to know, and I really mean as 1995 01:47:12.640 --> 01:47:14.720 far as the Supreme Court. Forget about Trump and all that. 1996 01:47:15.399 --> 01:47:17.880 Let's talk about this. Do you believe there should be. 1997 01:47:17.880 --> 01:47:23.000 Term limits on the Supreme Court? Seriously? That's a good question, 1998 01:47:23.079 --> 01:47:28.520 isn't it. Keith? What is your issue with your neighbor? Hello? Keith? 1999 01:47:28.640 --> 01:47:29.359 What's going on? 2000 01:47:31.000 --> 01:47:31.199 Hey? 2001 01:47:31.279 --> 01:47:31.720 Tom? 2002 01:47:32.439 --> 01:47:36.239 So I have a neighbor who's kind of I would 2003 01:47:36.279 --> 01:47:38.359 say threatening, but giving me a hard time about the 2004 01:47:38.399 --> 01:47:41.720 condition of my lawn and a tree that I have. 2005 01:47:41.800 --> 01:47:42.439 In the backyard. 2006 01:47:42.800 --> 01:47:46.119 God, Okay, how is this affecting them? 2007 01:47:47.199 --> 01:47:50.800 Well, so the tree is basically it's very large, it's 2008 01:47:50.840 --> 01:47:53.439 growing over it's kind of overhangs their property, and they're 2009 01:47:53.439 --> 01:47:55.319 complaining about you know, they have to spend all this 2010 01:47:55.399 --> 01:47:57.479 money to get their gutters cleaned out every year, and 2011 01:47:57.520 --> 01:47:59.359 then it supposedly caused. 2012 01:48:00.479 --> 01:48:02.760 What else are they complaining about the tree and what else? 2013 01:48:04.239 --> 01:48:05.880 And then just the condition of the lawn? 2014 01:48:07.520 --> 01:48:10.479 Okay, So anyway, how are they complaining to the to 2015 01:48:10.520 --> 01:48:11.439 the HIA. 2016 01:48:11.319 --> 01:48:16.520 Or to who there's no hy They just said, hey, 2017 01:48:16.560 --> 01:48:18.479 you know, you're not taking care of your lawn and 2018 01:48:18.520 --> 01:48:19.720 you got to take care of this tree. 2019 01:48:20.000 --> 01:48:22.079 And how do they complain? Is it? Is it in 2020 01:48:22.119 --> 01:48:27.439 person or how in person? Okay? Are they mean? Are 2021 01:48:27.439 --> 01:48:31.119 they friends? What are they? 2022 01:48:31.279 --> 01:48:34.600 You know, it's it's a it's a it's not an 2023 01:48:34.640 --> 01:48:39.359 adversarial relationship. But you know, once he basically threatened to 2024 01:48:39.359 --> 01:48:41.880 take legal action, I said, well, do your worse. 2025 01:48:42.119 --> 01:48:43.000 There's nothing you can do. 2026 01:48:43.079 --> 01:48:46.640 You can't force me to clean up my lawn, or 2027 01:48:46.720 --> 01:48:47.000 can he? 2028 01:48:47.119 --> 01:48:47.800 That's my question. 2029 01:48:48.239 --> 01:48:50.720 No, they can, of course not unless you're breaking a law. 2030 01:48:51.439 --> 01:48:54.720 If you're breaking a covenant and the h AWAY you 2031 01:48:54.760 --> 01:48:57.760 agree to the covenants when you bought, then the HIA 2032 01:48:57.880 --> 01:49:03.000 could enforce those covenants. If you're violating some kind of ordinance, 2033 01:49:03.479 --> 01:49:07.000 then they can go to the municipality. But this person 2034 01:49:07.039 --> 01:49:10.479 cannot do anything now. They could in an extreme situation, 2035 01:49:11.479 --> 01:49:15.720 they could sue you for damages if they believe you 2036 01:49:15.800 --> 01:49:19.920 are damaging. However, a tree overhanging a fence, you're not 2037 01:49:20.039 --> 01:49:20.920 in control. 2038 01:49:20.600 --> 01:49:21.079 Of that tree. 2039 01:49:21.119 --> 01:49:24.119 As long as that tree is in normal maintenance and 2040 01:49:24.279 --> 01:49:28.680 normal care and you're not letting it rot over the fence, 2041 01:49:29.560 --> 01:49:31.800 they can cut it back. By the way they would 2042 01:49:31.840 --> 01:49:35.720 be allowed to cut it back, are you opposed to 2043 01:49:35.760 --> 01:49:37.960 them cutting it back, or have you said to them 2044 01:49:38.039 --> 01:49:39.039 you better not touch it. 2045 01:49:40.640 --> 01:49:43.560 No, I said, whatever's on your property, you're welcome to 2046 01:49:43.600 --> 01:49:44.520 do is what you want. 2047 01:49:44.720 --> 01:49:47.680 Okay, then you may tell them, look, you're in perfect, 2048 01:49:48.319 --> 01:49:51.159 perfect harmony with me. If you want to cut back 2049 01:49:51.199 --> 01:49:54.399 that tree to our fence line, you're under an obligation 2050 01:49:54.560 --> 01:49:57.640 to do it with care not to kill the tree. 2051 01:49:57.960 --> 01:49:59.680 I would put that in writing. Let them know. 2052 01:50:00.840 --> 01:50:03.359 No, but there's nothing. There's really nothing they can do. 2053 01:50:03.760 --> 01:50:06.600 I mean nothing. I mean everyone can sue everyone. It 2054 01:50:06.600 --> 01:50:07.880 gets ridiculous, but. 2055 01:50:09.399 --> 01:50:11.640 You know everyone I would agree. 2056 01:50:12.119 --> 01:50:14.159 I would agree with my neighbor that, yes, my long 2057 01:50:14.239 --> 01:50:16.640 little overgrown and the tree is a little overgrown. 2058 01:50:16.680 --> 01:50:17.520 It needs to be trimmed. 2059 01:50:17.520 --> 01:50:19.359 But I don't have the money to trim it right now. 2060 01:50:19.479 --> 01:50:21.680 So well, when you say it needs to be trimmed, 2061 01:50:21.960 --> 01:50:24.600 you're not obligated to trim it on their side of 2062 01:50:24.640 --> 01:50:25.000 the fence. 2063 01:50:25.039 --> 01:50:25.880 Do you understand that. 2064 01:50:27.640 --> 01:50:28.439 I did not know that. 2065 01:50:28.520 --> 01:50:33.560 Okay, No, you're not unless you it's really weird. If 2066 01:50:33.600 --> 01:50:38.319 it's in disrepair and it's like. 2067 01:50:40.399 --> 01:50:43.680 It's like dangerous, you kind of do have an obligation. 2068 01:50:44.079 --> 01:50:46.680 I don't really know. The condition is it dangerous. Is 2069 01:50:46.720 --> 01:50:47.239 it rotting? 2070 01:50:48.640 --> 01:50:50.720 No, it's not rotting. It's just it's got a lot 2071 01:50:50.720 --> 01:50:54.199 of sucker, you know, shoots growing up near the fence line, 2072 01:50:54.239 --> 01:50:56.720 and it's just it does need to be trimmed. It's 2073 01:50:57.119 --> 01:50:59.439 it's been The tree is about seventy years old. 2074 01:51:00.279 --> 01:51:02.479 Okay, how much will it cost to trim? Do you know? 2075 01:51:04.159 --> 01:51:04.359 Oh? 2076 01:51:04.439 --> 01:51:09.439 I would say a minimum two thousand what two thousand plus? Oh, yeah, 2077 01:51:09.439 --> 01:51:11.199 it's a trim it. Yeah, there's a lot of dead 2078 01:51:11.239 --> 01:51:11.840 wood in it. 2079 01:51:13.720 --> 01:51:17.560 Well, you may have some responsibility, but then again, you 2080 01:51:17.600 --> 01:51:19.920 don't have all the responsibility. Have you asked them to 2081 01:51:20.000 --> 01:51:22.039 chip in or you not have no or do you 2082 01:51:22.079 --> 01:51:23.319 have no money whatsoever? 2083 01:51:25.399 --> 01:51:27.439 I just don't have enough to take care of that 2084 01:51:27.560 --> 01:51:32.520 right now. In a number I've got another bid on 2085 01:51:32.560 --> 01:51:38.079 a different property. I can't say that it's not my property, 2086 01:51:38.119 --> 01:51:39.800 but somebody's told me they got to do it for 2087 01:51:39.800 --> 01:51:42.319 two thousand dollars just for taking out some bushes, So 2088 01:51:42.800 --> 01:51:44.319 I'm like, I know it's going to be at least 2089 01:51:44.319 --> 01:51:44.880 two thousand. 2090 01:51:46.800 --> 01:51:47.199 Wow. 2091 01:51:47.960 --> 01:51:51.520 Well, listen, the short answer is they can't make you 2092 01:51:51.560 --> 01:51:55.359 do it. The long answer is if it does damage 2093 01:51:56.079 --> 01:51:58.359 and they say you knew it was in disrepair. You 2094 01:51:58.399 --> 01:52:00.680 knew it was rotting or you knew it could damage, 2095 01:52:01.000 --> 01:52:03.399 but the normal cleaning they can't do anything about. 2096 01:52:04.119 --> 01:52:05.760 So really, and. 2097 01:52:05.760 --> 01:52:09.560 Now how do I so, how do I determine if 2098 01:52:09.560 --> 01:52:12.359 it's if somebody would comby, like the code enforcement or 2099 01:52:12.399 --> 01:52:14.239 would they say, hey, you're law know you? 2100 01:52:14.279 --> 01:52:17.119 What you would do to really protect yourself from civil 2101 01:52:17.159 --> 01:52:21.199 litigation is to get someone and probably pay them an 2102 01:52:21.279 --> 01:52:26.079 arborist for an opinion on whether it is dangerous. Not 2103 01:52:26.439 --> 01:52:30.640 if it is dirty or sheds, but is it danger 2104 01:52:31.119 --> 01:52:34.520 is it dangerous of falling or hurting someone or a property? 2105 01:52:35.399 --> 01:52:39.000 Then if you get a professional opinion in writing, then 2106 01:52:39.119 --> 01:52:40.560 you can use that. 2107 01:52:42.600 --> 01:52:45.880 What about the codes for you know, cutting grass? 2108 01:52:45.920 --> 01:52:50.000 And okay, now for code enforcement, you could call code 2109 01:52:50.079 --> 01:52:54.760 enforcement and you could say it's Sometimes it's covered by 2110 01:52:54.800 --> 01:52:57.640 the building department and if you call there, they'll get 2111 01:52:57.680 --> 01:53:00.119 you to the right department and say, look, I'm I'm 2112 01:53:00.159 --> 01:53:01.119 just curious. 2113 01:53:00.720 --> 01:53:03.960 Of my tree is out of code. 2114 01:53:04.439 --> 01:53:07.479 And if I need to do something, am I required 2115 01:53:07.520 --> 01:53:08.159 to trim it? 2116 01:53:08.279 --> 01:53:10.399 And at what point am I required to trim it? 2117 01:53:10.800 --> 01:53:14.119 For example, if it's in an easement for power lines, 2118 01:53:14.199 --> 01:53:16.079 does it go across any power lines? 2119 01:53:18.520 --> 01:53:18.680 No? 2120 01:53:18.840 --> 01:53:19.479 But there. 2121 01:53:20.119 --> 01:53:24.760 They have a power that comes in from the alleyway 2122 01:53:24.760 --> 01:53:28.720 that comes across and is under a couple of the larger. 2123 01:53:28.640 --> 01:53:29.039 And has it. 2124 01:53:29.239 --> 01:53:33.640 Okay, so it's really a big unknown, that's what it 2125 01:53:33.680 --> 01:53:38.520 is right now. So you have to call code enforcement 2126 01:53:39.000 --> 01:53:41.279 or you need to call the utility if you're looking 2127 01:53:41.359 --> 01:53:45.640 for I mean, you're really looking for trouble basically. But 2128 01:53:46.079 --> 01:53:49.279 how often do they warn you about this tree? 2129 01:53:49.560 --> 01:53:49.800 Well? 2130 01:53:49.840 --> 01:53:53.880 They he just said something about it, and he basically 2131 01:53:53.960 --> 01:53:56.680 he gave me an ultimatum of one month and I 2132 01:53:56.680 --> 01:53:57.720 should And what did. 2133 01:53:57.560 --> 01:53:59.239 He say if you don't do it in a month? 2134 01:53:59.319 --> 01:54:00.920 What will he do if you don't do it? 2135 01:54:01.520 --> 01:54:04.279 I'm gonna I'm gonna go through a legal route. 2136 01:54:05.279 --> 01:54:09.439 Well okay, I mean listen again, they can't make you 2137 01:54:09.600 --> 01:54:11.199 do anything, even. 2138 01:54:10.960 --> 01:54:11.920 A legal route. 2139 01:54:12.119 --> 01:54:15.720 If they literally file a lawsuit, then you're gonna have 2140 01:54:15.760 --> 01:54:18.680 to defend yourself. But I mean, I can't see on 2141 01:54:18.760 --> 01:54:23.600 what grounds unless you're negligent. That means the trunk and 2142 01:54:23.640 --> 01:54:27.840 the stuff on your side is dangerous. You do not 2143 01:54:28.640 --> 01:54:32.239 now if the branch on their side is dangerous. 2144 01:54:32.319 --> 01:54:34.960 That's different than nuisance. Do you understand? 2145 01:54:36.199 --> 01:54:36.560 Yes? 2146 01:54:36.960 --> 01:54:40.319 Okay, so you're gonna have to get a professional opinion, 2147 01:54:41.560 --> 01:54:44.079 you know, And no matter how much we discussed it, it 2148 01:54:44.039 --> 01:54:46.479 won't change. You're gonna have to get because I don't 2149 01:54:46.520 --> 01:54:46.880 know enough. 2150 01:54:46.960 --> 01:54:47.720 You don't know enough. 2151 01:54:48.279 --> 01:54:51.399 But you get a professional opinion. Certainly you can afford 2152 01:54:51.439 --> 01:54:53.319 someone to at least give you an opinion on the. 2153 01:54:53.319 --> 01:54:57.319 Tree, right sure, yeah, and that would be the way 2154 01:54:57.319 --> 01:54:58.640 to go to protect yourself. 2155 01:54:59.000 --> 01:55:02.399 Listen, this arbor's as it's not dangerous, it's a healthy tree, 2156 01:55:02.880 --> 01:55:04.760 and it needs to be trimmed a little. I don't 2157 01:55:04.760 --> 01:55:07.039 have the money to trim it right now. You can 2158 01:55:07.079 --> 01:55:10.159 trim it back on your side all you want. Just 2159 01:55:10.279 --> 01:55:12.640 put it down, get it, get it in, you know. 2160 01:55:12.760 --> 01:55:14.279 And then what do they do. They go to an 2161 01:55:14.319 --> 01:55:17.119 attorney and say I want them to trim our side 2162 01:55:17.119 --> 01:55:20.520 of the tree. They're not gonna you know, listen, people 2163 01:55:20.560 --> 01:55:24.279 can say they're taking a legal route, but there's nothing 2164 01:55:24.319 --> 01:55:27.560 you can do about it it. 2165 01:55:28.119 --> 01:55:28.399 You know. 2166 01:55:28.600 --> 01:55:31.000 Look, in a perfect world, it would be nice if 2167 01:55:31.000 --> 01:55:32.319 you could trim your side. 2168 01:55:32.720 --> 01:55:34.960 Bill's got a comment on this. Go ahead, Bill, what 2169 01:55:35.000 --> 01:55:35.600 do you think? 2170 01:55:36.199 --> 01:55:39.760 Well, well, you got me there, yeah, go ahead, Bill. 2171 01:55:40.239 --> 01:55:42.239 Well I'll tell you we had the same problem. 2172 01:55:42.279 --> 01:55:44.159 If you remember I called. 2173 01:55:44.000 --> 01:55:48.840 John at two and we of course, my name is 2174 01:55:48.880 --> 01:55:52.640 tree fell into my yard. And the way that rule reads, 2175 01:55:53.359 --> 01:55:56.159 unless it's neglected any right. 2176 01:55:56.239 --> 01:55:58.920 That's that's a good point, and that's what I was saying, Bill, 2177 01:55:58.960 --> 01:55:59.520 you're right. 2178 01:55:59.560 --> 01:56:03.800 But anyway, so I the people across the street was 2179 01:56:03.960 --> 01:56:06.520 getting that trees trimmed. So I called the guy up 2180 01:56:06.560 --> 01:56:10.079 and he came over and he did mine that day 2181 01:56:10.319 --> 01:56:14.279 and it cost me six hundred bucks. And with the guy, 2182 01:56:14.359 --> 01:56:18.039 the tree guy told me the tree trim He told 2183 01:56:18.079 --> 01:56:21.640 me to call forestry in the city because I'm in 2184 01:56:21.720 --> 01:56:26.279 lakeuiod to call forestry and forest he came out and 2185 01:56:26.319 --> 01:56:28.359 condemned the tree and they had to cut it down. 2186 01:56:29.159 --> 01:56:33.399 Oh and if you want a number, if I could 2187 01:56:33.439 --> 01:56:36.199 find the guy's card, he's pretty reasonable if she If 2188 01:56:36.199 --> 01:56:37.279 that person's listening. 2189 01:56:38.119 --> 01:56:41.000 Now, wait, they cut the tree down, but it was 2190 01:56:41.039 --> 01:56:42.319 your neighbor's tree, right. 2191 01:56:42.600 --> 01:56:45.279 Yes, but it broke and fell into my yacht? 2192 01:56:45.279 --> 01:56:45.600 About it? 2193 01:56:45.680 --> 01:56:48.000 And how did the neighbor feel about you reporting it? 2194 01:56:48.399 --> 01:56:49.199 We're not talking. 2195 01:56:50.760 --> 01:56:53.520 And did the neighbor hire this guy to take the 2196 01:56:53.560 --> 01:56:54.079 tree down? 2197 01:56:55.600 --> 01:56:57.439 After I had the section? 2198 01:56:59.359 --> 01:57:01.760 He hire the guy you're recommending? 2199 01:57:02.760 --> 01:57:03.199 What's that? 2200 01:57:04.000 --> 01:57:06.640 Did your neighbor hire the guy you're recommending. 2201 01:57:07.079 --> 01:57:08.520 Yes she did as a matter of fact. 2202 01:57:08.840 --> 01:57:11.439 And how do you know it was reasonable? 2203 01:57:12.680 --> 01:57:16.279 Well, of course me six hundred dollars for the section 2204 01:57:16.359 --> 01:57:17.439 that fell in my yard. 2205 01:57:18.720 --> 01:57:20.000 That's a lot of money. 2206 01:57:20.199 --> 01:57:20.479 It is. 2207 01:57:20.560 --> 01:57:25.640 And I live in a heavily treated area, and it's 2208 01:57:26.279 --> 01:57:27.319 I know, the price. 2209 01:57:27.159 --> 01:57:27.760 Is kind of. 2210 01:57:29.760 --> 01:57:31.199 Well. What's the name of the company. 2211 01:57:32.439 --> 01:57:35.039 Okay, here, I got it right here, I'll give you 2212 01:57:35.079 --> 01:57:42.600 the number. It's seven to two zero five seven seven, 2213 01:57:44.560 --> 01:57:48.880 and it's called we do Concrete woods Fence. 2214 01:57:51.239 --> 01:57:53.039 How long ago did you deal with this company? 2215 01:57:53.760 --> 01:57:54.720 A couple of months ago? 2216 01:57:55.079 --> 01:57:57.279 Okay, well we got that heavy wind. 2217 01:57:57.920 --> 01:57:59.319 Did you get that number? Keith? 2218 01:58:00.880 --> 01:58:02.520 I might have told you a wrong number? 2219 01:58:03.119 --> 01:58:08.800 Well do it? Do it again? Well, let me look so, Keith, 2220 01:58:08.920 --> 01:58:09.720 are you listening? 2221 01:58:10.119 --> 01:58:10.359 It is. 2222 01:58:11.840 --> 01:58:12.000 Right? 2223 01:58:12.039 --> 01:58:12.520 Okay? 2224 01:58:12.520 --> 01:58:15.880 Seven two zero five one nine seven seven nine to one? 2225 01:58:16.439 --> 01:58:17.880 Correct, Thank you? 2226 01:58:18.479 --> 01:58:20.079 And ed he was fairly reasonable. 2227 01:58:20.239 --> 01:58:20.560 Quick. 2228 01:58:21.000 --> 01:58:23.640 He had a bunch of people. They swarmed all over 2229 01:58:23.680 --> 01:58:24.079 the yard. 2230 01:58:24.119 --> 01:58:27.920 And Keith, I'm not suggesting you call them because you 2231 01:58:28.000 --> 01:58:30.319 don't necessarily have the money to trim, but you can 2232 01:58:30.359 --> 01:58:33.279 get an estimate, at least get an estimate before you 2233 01:58:33.359 --> 01:58:34.439 jump to conclusions. 2234 01:58:34.720 --> 01:58:36.479 And then I would also get an arborist. 2235 01:58:37.159 --> 01:58:40.800 The estimate shouldn't cost you anything, and then the arborist 2236 01:58:41.199 --> 01:58:44.079 might charge to give you an evaluation of a tree. 2237 01:58:44.560 --> 01:58:46.720 But that's all you can do at this point. 2238 01:58:47.159 --> 01:58:50.319 Three oh three, okay, seven one three talk three oh 2239 01:58:50.359 --> 01:58:53.960 three seven one three eight two five five. Now listen 2240 01:58:54.760 --> 01:58:57.079 for the guy that texts, I better take this break. 2241 01:58:57.119 --> 01:58:59.239 Then we'll come back and talk about that. Somebody texted 2242 01:58:59.279 --> 01:59:01.079 me about hair restoration. 2243 01:59:01.520 --> 01:59:03.279 We'll talk about that and more coming up on the 2244 01:59:03.279 --> 01:59:12.159 Troubleshooter Show. Go with a sure thing Denver's Best roofer 2245 01:59:12.279 --> 01:59:13.760 Excel Roofing dot com. 2246 01:59:13.800 --> 01:59:19.279 You don't pay a cent until you're contenth. 2247 01:59:19.199 --> 01:59:22.399 Time for an insurance check up free, no obligation. In comparison, 2248 01:59:22.520 --> 01:59:26.079 call Compass Insurance paying too much your coverage at dozens 2249 01:59:26.119 --> 01:59:28.840 of insurance companies find out now three all three seven 2250 01:59:28.920 --> 01:59:31.760 seven to one help. You'll think you're his only customer 2251 01:59:31.760 --> 01:59:34.039 when you choose Frank durand the real estate Man dot 2252 01:59:34.079 --> 01:59:37.359 com to list your home with Remax Alliance three all 2253 01:59:37.439 --> 01:59:42.520 three nine two zero sixteen twenty two. Martine, You're a 2254 01:59:42.600 --> 01:59:46.000 troubleshooter three all three seven one three talks seven one 2255 01:59:46.039 --> 01:59:49.159 three eight two five five First time Today, open lines 2256 01:59:49.279 --> 01:59:51.920 or actually second time. But if you need help, give 2257 01:59:52.000 --> 01:59:54.119 us a call. Three oh three seven one three talks 2258 01:59:54.119 --> 01:59:57.159 seven one three eight two five five. Okay, so I 2259 01:59:57.199 --> 02:00:02.119 got one on hair restoration, a text that is, I 2260 02:00:02.119 --> 02:00:05.720 want to explain this about hair restoration first and foremost. 2261 02:00:06.119 --> 02:00:13.119 There are a number of things people call hair restoration, okay, 2262 02:00:12.960 --> 02:00:18.720 but hair restoration comes in a few different sizes. The 2263 02:00:18.760 --> 02:00:23.079 one that most people know is the transplants. So they 2264 02:00:23.119 --> 02:00:27.319 take your hair follicles that are healthy and they extract 2265 02:00:27.319 --> 02:00:30.479 some hair follicles. They can either do it randomly or 2266 02:00:30.479 --> 02:00:33.279 with a strip. The old fashioned was a strip across 2267 02:00:33.319 --> 02:00:36.399 the back that grows over, they hope. But then there's 2268 02:00:36.439 --> 02:00:39.920 this other system that takes out follicles randomly from around 2269 02:00:39.920 --> 02:00:43.159 your head and then replants them in areas you need them. 2270 02:00:43.439 --> 02:00:48.439 And those are basically hair transplants. And you know, I 2271 02:00:48.760 --> 02:00:52.920 think Michael Brown and both Michael Brown and let's see 2272 02:00:52.920 --> 02:00:57.359 who else advertised Coss Kaminski. Who do they advertise for? 2273 02:00:57.439 --> 02:00:59.760 Do you recall who they call because they say they 2274 02:00:59.840 --> 02:01:01.439 love of that person. 2275 02:01:01.760 --> 02:01:05.760 Doctor is doctor Tanya paul One? That is that Brownie's 2276 02:01:05.960 --> 02:01:06.520 Do you know. 2277 02:01:06.720 --> 02:01:10.279 Guys, that's who we saw doctor. 2278 02:01:10.119 --> 02:01:13.199 Oh yeah, yeah, Dragon, is that what Brownie is talking about? 2279 02:01:13.239 --> 02:01:16.520 Doctor Tanya Paul's yes, okay. 2280 02:01:17.239 --> 02:01:21.359 And then then there's another kind of hair restoration, which 2281 02:01:21.399 --> 02:01:22.479 is stem cell therapy. 2282 02:01:23.319 --> 02:01:24.800 And stem cell therapy. 2283 02:01:24.439 --> 02:01:28.680 Are injections into the scalp of stem cells too, and 2284 02:01:28.680 --> 02:01:32.199 and some do combinations of that. And before stem cells, 2285 02:01:32.199 --> 02:01:38.039 they were doing p r P platelet rich plasma and Dragon, 2286 02:01:38.159 --> 02:01:40.680 I don't know, did if doc, excuse me, if Brownie 2287 02:01:40.760 --> 02:01:43.640 had both the transplants and the stem cells with it, 2288 02:01:43.760 --> 02:01:44.319 or did he have. 2289 02:01:44.359 --> 02:01:48.560 Just transplant and he loves it? Right? He loved the results, right, 2290 02:01:49.720 --> 02:01:52.520 and you notice the difference right very much? So did 2291 02:01:52.520 --> 02:01:56.359 he actually have a bald spot? It was thinning for him, 2292 02:01:56.359 --> 02:01:59.119 You got really bald spots. Same with Ross. His was 2293 02:01:59.119 --> 02:01:59.840 thinning pretty much. 2294 02:01:59.840 --> 02:02:03.039 So then the transplants came around and both of them 2295 02:02:03.079 --> 02:02:04.079 looked tremendously better. 2296 02:02:04.479 --> 02:02:07.439 Yeah, because mine really is thinning too. So I tried, well, 2297 02:02:07.439 --> 02:02:09.520 I shouldn't have told you very right now because I'm 2298 02:02:09.840 --> 02:02:12.840 I'm waiting on the results. But I guess it's too 2299 02:02:12.920 --> 02:02:17.279 late now, isn't it. So I went to Denver region 2300 02:02:18.079 --> 02:02:21.640 and that was a few weeks ago for the stem 2301 02:02:21.680 --> 02:02:23.560 cell therapy, just to see if it would thicken it 2302 02:02:23.640 --> 02:02:24.000 up a bit. 2303 02:02:24.600 --> 02:02:28.279 And what I've noticed now is it's been about. 2304 02:02:28.079 --> 02:02:30.520 Three weeks, two or three weeks. I've noticed some itching. 2305 02:02:30.960 --> 02:02:33.600 I know, this sounds crazy. It could be the sign 2306 02:02:33.680 --> 02:02:34.199 of new growth. 2307 02:02:34.239 --> 02:02:35.520 Who knows. We'll see. 2308 02:02:35.560 --> 02:02:38.039 And then that comes with a redo, not a redo, 2309 02:02:38.079 --> 02:02:38.760 but like a booster. 2310 02:02:38.880 --> 02:02:42.239 They call it that. In August. I'll have that done. 2311 02:02:42.359 --> 02:02:46.039 But there was no surgical procedure whatsoever. It was just 2312 02:02:46.119 --> 02:02:48.399 a bunch of pricks. 2313 02:02:51.520 --> 02:02:52.680 If you're just tuning. 2314 02:02:52.359 --> 02:02:55.199 In, I'm not talking about bad people. I'm just talking 2315 02:02:55.239 --> 02:02:59.239 about a bunch of pricks on my head. And it's 2316 02:02:59.359 --> 02:03:02.720 four restoration, hair restoration with stem cells. 2317 02:03:02.920 --> 02:03:05.960 Hey, Mike, what is your question? Go ahead, Mike, welcome. 2318 02:03:05.960 --> 02:03:07.840 Three all three seven one three eight two five. By 2319 02:03:07.880 --> 02:03:09.880 the way, my my, if somebody wants to know why 2320 02:03:09.880 --> 02:03:11.920 text line is still working. Yes, I didn't get a text 2321 02:03:11.960 --> 02:03:14.079 from you though seven four seven nine nine nine fifty 2322 02:03:14.119 --> 02:03:16.840 two eighty. You're texting on the On the other one, 2323 02:03:16.920 --> 02:03:19.960 I did get from you A five seven seven three nine. 2324 02:03:20.000 --> 02:03:21.279 That's one iHeart has. 2325 02:03:21.399 --> 02:03:24.119 But then we have our own Google voice number, which 2326 02:03:24.159 --> 02:03:27.079 is seven four to seven nine fifty two eighty. 2327 02:03:27.199 --> 02:03:28.640 Okay, By the way, what do you need to know, 2328 02:03:28.720 --> 02:03:30.119 Mike H. 2329 02:03:31.399 --> 02:03:33.800 I know you've covered this before, but I can't remember 2330 02:03:33.800 --> 02:03:34.399 the rules. 2331 02:03:34.720 --> 02:03:39.479 Yeah, if if you or people break. 2332 02:03:39.199 --> 02:03:41.359 A lease with an apartment building, let's say it was 2333 02:03:41.680 --> 02:03:48.680 a year lease and you stayed for six months, yeah, 2334 02:03:48.720 --> 02:03:52.479 and you leave, do you owe the whole six months? 2335 02:03:52.560 --> 02:03:55.720 I thought you said at one point that if they 2336 02:03:55.800 --> 02:04:00.800 just turned right around and rented the apartment, then no loss. 2337 02:04:00.840 --> 02:04:03.800 So you will lose your okay, and maybe a month. 2338 02:04:04.399 --> 02:04:07.600 Right, there's something called there's something called substance. 2339 02:04:07.119 --> 02:04:12.239 Over form and and really it depends. 2340 02:04:12.680 --> 02:04:16.079 Technically, you're on the hook for the lease, okay, but 2341 02:04:16.720 --> 02:04:20.560 if you can prove that the breach came with limited losses, 2342 02:04:20.680 --> 02:04:22.600 you only have to pay the limited losses. 2343 02:04:23.000 --> 02:04:25.399 But it's so hard to do though, especially if it's 2344 02:04:25.439 --> 02:04:29.359 a big complex that has multiple open units, you almost 2345 02:04:29.520 --> 02:04:32.039 never do it, that's right, because what they're gonna say 2346 02:04:32.119 --> 02:04:36.560 is that they still have one less renter or or 2347 02:04:36.680 --> 02:04:37.600 or one more. 2348 02:04:37.479 --> 02:04:40.960 Apartment to fill. However, it's not impossible. Mark. 2349 02:04:41.039 --> 02:04:43.840 Some have you know, four plex, two plex, some have 2350 02:04:44.319 --> 02:04:45.439 just one apartment open. 2351 02:04:45.560 --> 02:04:48.239 Agreed, if you were renting your house and someone broke 2352 02:04:48.279 --> 02:04:51.439 the lease and you re rented it, the next day, you. 2353 02:04:51.399 --> 02:04:52.239 Have no loss. 2354 02:04:52.319 --> 02:04:55.359 Well, you could have some like the cleaning different ones. 2355 02:04:55.399 --> 02:04:57.159 I mean, you have far enough, but I'm. 2356 02:04:57.119 --> 02:04:59.239 But they're not gonna They're not gonna get eight months 2357 02:04:59.239 --> 02:05:01.600 out of your sex months out of you. Now, you 2358 02:05:01.640 --> 02:05:04.800 could try in an apartment a house if like like 2359 02:05:05.239 --> 02:05:06.640 if it, let's just say. 2360 02:05:06.399 --> 02:05:08.640 There aren't many left and they. 2361 02:05:09.039 --> 02:05:11.479 Have that particular one which was a two bedroom. The 2362 02:05:11.479 --> 02:05:14.520 other one was a one bedroom. You could definitely say, 2363 02:05:14.560 --> 02:05:16.319 wait a minute, you rented mine out. 2364 02:05:16.520 --> 02:05:18.479 There was a desire and a knee and you rented 2365 02:05:18.520 --> 02:05:18.880 it out. 2366 02:05:19.199 --> 02:05:22.560 But they would have probably some damages, but it's up 2367 02:05:22.600 --> 02:05:25.439 to you to pursue. They're not going to voluntarily send 2368 02:05:25.520 --> 02:05:26.119 you a check. 2369 02:05:27.119 --> 02:05:27.479 Okay. 2370 02:05:27.560 --> 02:05:31.640 So that's that's basically what happened. Somebody moved out, he 2371 02:05:31.720 --> 02:05:34.159 could not afford the two bedroom and asked, hey, I 2372 02:05:34.279 --> 02:05:36.880 just I'll find the lease on you know, just transfer 2373 02:05:36.920 --> 02:05:39.560 over to a one bedroom, and they wouldn't do it. 2374 02:05:39.960 --> 02:05:43.279 So, no, you have to stay for the two bedroom, 2375 02:05:43.960 --> 02:05:45.720 and then after you've done with that lease, you can 2376 02:05:45.800 --> 02:05:47.199 go to the one bedrooms as well. 2377 02:05:47.359 --> 02:05:50.520 Go with a sure thing Denver's Best roofer Excel roofing 2378 02:05:50.640 --> 02:05:53.279 dot com. You don't pay a cent until you're content. 2379 02:05:56.680 --> 02:05:59.800 Time for an insurance check up free no obligation. In comparison, 2380 02:06:00.000 --> 02:06:03.560 call Compass Insurance paying too much your coverage at dozens 2381 02:06:03.560 --> 02:06:06.279 of insurance companies find out now three all three seven 2382 02:06:06.399 --> 02:06:09.199 seven to one. Help You'll think you're his only customer 2383 02:06:09.239 --> 02:06:11.479 when you choose Frank durand the real estate man dot 2384 02:06:11.520 --> 02:06:14.800 com to list your home with Remax Alliance three all 2385 02:06:14.880 --> 02:06:16.840 three nine two zero sixteen twenty two. 2386 02:06:22.359 --> 02:06:23.439 Hey, I'm Tom Martino. 2387 02:06:23.479 --> 02:06:25.640 You're a troubleshooter three all three seven one three talk 2388 02:06:25.720 --> 02:06:29.760 seven one three eight two five five. So, Mike, here's 2389 02:06:29.760 --> 02:06:35.560 the thing you have to uh defend yourself. How when 2390 02:06:35.600 --> 02:06:40.640 they actually sue you? Okay, so did they actually file? 2391 02:06:43.239 --> 02:06:45.640 They say they're going to file. Of course they did 2392 02:06:45.640 --> 02:06:49.119 the first thing. They threaten and then send you to collections. 2393 02:06:49.159 --> 02:06:52.479 But what they really did is they delayed, delayed, delayed, 2394 02:06:53.159 --> 02:06:57.319 and then when it's you know, it pushes, it pushes 2395 02:06:57.359 --> 02:06:59.880 away out to where they're now want to charge interest of. 2396 02:07:04.159 --> 02:07:04.800 On the money. 2397 02:07:05.119 --> 02:07:08.039 Well, hold on, they can't arbitrarily charge that. They can 2398 02:07:08.079 --> 02:07:09.800 only charge what was in the agreement. 2399 02:07:12.600 --> 02:07:16.640 Okay, Well that's maybe that's what they're threatening. I don't 2400 02:07:16.680 --> 02:07:17.760 have any paperwork in. 2401 02:07:17.720 --> 02:07:18.760 Front of me. I'm in the car. 2402 02:07:18.880 --> 02:07:21.239 So listen, here's what I'm gonna tell you. 2403 02:07:21.319 --> 02:07:26.199 Okay, you start out, you start out at a deficit 2404 02:07:26.359 --> 02:07:31.079 because your son breached the contract. It doesn't matter. It 2405 02:07:31.119 --> 02:07:34.039 doesn't matter that he couldn't afford it. It doesn't matter 2406 02:07:34.079 --> 02:07:37.960 that they wouldn't let him move. He breached the contract. 2407 02:07:38.199 --> 02:07:40.279 So you're starting out at fault. 2408 02:07:40.560 --> 02:07:43.439 Okay. Now it's a matter of damages. 2409 02:07:43.520 --> 02:07:46.640 That's all it is. There is no question on the breach. 2410 02:07:47.439 --> 02:07:50.680 So now it's a matter of damages. What you want 2411 02:07:50.680 --> 02:07:54.399 to argue is that they did not attempt. 2412 02:07:54.039 --> 02:07:58.000 To mitigate their damages. They did not, or they did 2413 02:07:58.079 --> 02:07:59.600 mitigate their damages. Whatever. 2414 02:07:59.840 --> 02:08:03.680 But it's all on you, okay. And what you need 2415 02:08:03.680 --> 02:08:07.159 to do as part of a lawsuit against you or 2416 02:08:07.199 --> 02:08:10.920 your son is to then afford yourself of the rules 2417 02:08:10.960 --> 02:08:15.199 of civil procedure. And those rules will be at certain 2418 02:08:15.199 --> 02:08:19.319 times you ask about discovery, and at certain times you 2419 02:08:19.800 --> 02:08:24.560 take depositions and then but read read it carefully to 2420 02:08:24.600 --> 02:08:26.680 make sure you're not on the hook for legal fees. 2421 02:08:26.720 --> 02:08:29.840 If you lose, you could end up your son could 2422 02:08:29.880 --> 02:08:31.239 end up seriously in. 2423 02:08:31.239 --> 02:08:36.880 Debt well, which brings up the whole bankruptcy thing. 2424 02:08:37.199 --> 02:08:40.000 Right, is your son in debt anyway? Right now? 2425 02:08:40.840 --> 02:08:47.600 Yes? Okay, well, then afford the higher rent? Okay, bankruptcy? 2426 02:08:48.079 --> 02:08:48.840 How old is he. 2427 02:08:53.079 --> 02:08:54.439 Pretty? 2428 02:08:54.640 --> 02:09:00.680 Oh? My god god? So okay, I thought he was 2429 02:09:00.760 --> 02:09:04.920 way younger. He's oh he's Is he a veteran? Did 2430 02:09:04.920 --> 02:09:05.279 you say? 2431 02:09:06.159 --> 02:09:06.359 Yes? 2432 02:09:07.119 --> 02:09:07.560 Okay? 2433 02:09:07.880 --> 02:09:11.560 So listen, if he wants to, if he has, if 2434 02:09:11.600 --> 02:09:14.079 he does a bankruptcy, then it all goes away anyway. 2435 02:09:14.119 --> 02:09:17.279 I mean, so I wouldn't even bother putting up a 2436 02:09:17.279 --> 02:09:18.000 big defense. 2437 02:09:20.279 --> 02:09:23.439 And if there's a if there is, and it looks 2438 02:09:23.520 --> 02:09:30.039 like most apartment leases do have attorneys fees and set 2439 02:09:30.119 --> 02:09:34.520 forth in Colorado or CRS thirteen forty one to twenty three, 2440 02:09:35.279 --> 02:09:38.319 the prevailing party is entitled to recover. So I mean, 2441 02:09:38.359 --> 02:09:41.880 that's my statute. So you better be real careful. And 2442 02:09:41.960 --> 02:09:44.359 I don't know if that means. Let's say, let's say 2443 02:09:44.399 --> 02:09:47.600 they don't get thirteen or fourteen thousand in court, but 2444 02:09:47.680 --> 02:09:50.199 they get five. I bet you still have to pay 2445 02:09:50.199 --> 02:09:51.039 attorneys fees. 2446 02:09:52.039 --> 02:09:57.000 Yeah, but they didn't want they had no interest in negotiating, like, 2447 02:09:57.079 --> 02:09:57.880 all right, let's just. 2448 02:09:57.840 --> 02:09:58.439 Talk about it. 2449 02:09:58.720 --> 02:10:01.840 Well, then, what Tom says bankruptcy? What I might do. 2450 02:10:02.319 --> 02:10:04.439 What I would do is go talk to say Mike 2451 02:10:04.520 --> 02:10:08.640 Wink or Gig Wink and when I say threatened bankruptcy, 2452 02:10:08.880 --> 02:10:12.560 you have a bankruptcy attorney, call and say, hey, this 2453 02:10:12.600 --> 02:10:15.119 guy's getting ready to pull the trigger. Are you sure 2454 02:10:15.119 --> 02:10:18.119 you don't want to settle? And that'll that they'll really 2455 02:10:18.159 --> 02:10:21.039 take that serious compared to you know, him saying it 2456 02:10:21.159 --> 02:10:21.680 or you. 2457 02:10:22.800 --> 02:10:26.720 Yeah, well that may be the how much debt is 2458 02:10:26.760 --> 02:10:29.479 he in right now? Who? 2459 02:10:29.600 --> 02:10:32.960 Uh, I'm gonna say sixty? 2460 02:10:34.039 --> 02:10:35.399 And how much does he make. 2461 02:10:39.680 --> 02:10:40.119 Currently? 2462 02:10:41.720 --> 02:10:42.520 Not a whole lot? 2463 02:10:42.880 --> 02:10:45.840 He disabled? 2464 02:10:46.359 --> 02:10:49.800 Okay, bro, there's no question about it, no question. Call 2465 02:10:49.920 --> 02:10:52.399 Mike Wink right now. Call Mike Wink if he's a 2466 02:10:52.479 --> 02:10:55.000 disabled veteran, or you got to call Mike Wink. 2467 02:10:55.760 --> 02:10:58.079 There's no way you're going to uh. 2468 02:10:57.920 --> 02:11:00.840 You're gonna fight this for sixty And then add to it, 2469 02:11:01.760 --> 02:11:03.279 I got to go on to Chris, Chris. 2470 02:11:03.399 --> 02:11:13.079 What's happening with you? Chris? Chris? What's happening Chris? Is 2471 02:11:13.159 --> 02:11:15.640 Chris still there or not? Just give me a heads up. 2472 02:11:16.199 --> 02:11:18.520 I'm here, Hi, Chris, what's going on? 2473 02:11:19.159 --> 02:11:23.359 Last month, my air conditioner went out. I instinctively called 2474 02:11:23.359 --> 02:11:28.119 the company that installed it five years earlier. It was 2475 02:11:28.159 --> 02:11:32.359 a capacitor and the guy was here less than an hour. 2476 02:11:33.159 --> 02:11:38.720 My complaint was they charged me, Well, they have an 2477 02:11:38.760 --> 02:11:42.760 ongoing one hundred and fifty dollars service fee because I complained, 2478 02:11:42.760 --> 02:11:45.159 they charged me one thirty, so I got a big 2479 02:11:45.199 --> 02:11:50.880 whopping twenty dollars off on that. My question is, is 2480 02:11:50.920 --> 02:11:55.119 that even fair or legal or candy? Why are they 2481 02:11:55.159 --> 02:11:57.800 getting reimversed from the manufacturer. 2482 02:11:57.880 --> 02:11:59.960 Well, I don't know if it's under warranty. Hold on, dear, 2483 02:12:00.039 --> 02:12:01.800 hold on, come right, I'll come right back to you. 2484 02:12:01.800 --> 02:12:04.399 I promise we'll talk about the warranty right after this. 2485 02:12:04.880 --> 02:12:08.159 Go with a sure thing Denver's Best roofer Excel Roofing 2486 02:12:08.239 --> 02:12:08.840 dot com. 2487 02:12:08.880 --> 02:12:10.880 You don't pay a cent until you're content. 2488 02:12:14.279 --> 02:12:17.840 Time for an insurance checkup, free no obligation comparison call 2489 02:12:17.920 --> 02:12:21.239 Compass Insurance paying too much your coverage at dozens of 2490 02:12:21.279 --> 02:12:23.920 insurance companies find out now three O three seven to 2491 02:12:24.000 --> 02:12:26.800 seven to one help. You'll think you're his only customer 2492 02:12:26.840 --> 02:12:29.079 when you choose Frank durand the real estate Man dot 2493 02:12:29.119 --> 02:12:32.399 com to list your home with Remax Alliance three oh 2494 02:12:32.479 --> 02:12:35.119 three nine two zero sixteen twenty two. 2495 02:12:36.600 --> 02:12:38.560 Hi Tom Martin, let's go right back to Chris, I 2496 02:12:38.600 --> 02:12:41.119 got some answer for you, Chris, Chris. 2497 02:12:42.439 --> 02:12:46.479 Most capacitors for most HVAC systems part come part of 2498 02:12:46.479 --> 02:12:50.560 their warranty are five years how old in. 2499 02:12:50.560 --> 02:12:52.199 Yours is right at five years? Right? 2500 02:12:52.399 --> 02:12:52.640 Right? 2501 02:12:53.520 --> 02:12:56.199 Some of them have question, I don't have a problem 2502 02:12:56.279 --> 02:12:59.239 with the warranty. What my problem is? One hundred and 2503 02:12:59.279 --> 02:13:00.960 fifty dollars service fee? 2504 02:13:01.199 --> 02:13:01.399 Right? 2505 02:13:01.560 --> 02:13:04.319 Yes, they're allowed to charge that. They are not reimbursed 2506 02:13:04.359 --> 02:13:09.640 for service or labor from the factory. Got almighty no, no, 2507 02:13:09.720 --> 02:13:12.039 And that's actually pretty reasonable, it really is. 2508 02:13:12.399 --> 02:13:15.319 Now I've looked it up. And what brand do you have? 2509 02:13:17.279 --> 02:13:19.640 A MANA uh huh recommend it? 2510 02:13:20.159 --> 02:13:21.880 Well, okay, a man is a pretty good name, but 2511 02:13:21.920 --> 02:13:25.239 you're but but listen, here's the deal. I think carriers 2512 02:13:25.279 --> 02:13:28.560 probably one of the leaders in the industry right now. 2513 02:13:28.960 --> 02:13:32.680 Some of those capacitors could be even longer, but under 2514 02:13:32.720 --> 02:13:37.960 no circumstances are late. Is labor guaranteed unless it's guaranteed 2515 02:13:38.000 --> 02:13:43.600 by the company, for example, Plumbline services. They will do 2516 02:13:43.800 --> 02:13:47.640 their own guarantee on labor for certain things, so it 2517 02:13:47.720 --> 02:13:51.079 depends on the company. But the manufacturer does not reimburse 2518 02:13:51.119 --> 02:13:53.680 them for the service call. And if you paid one 2519 02:13:53.800 --> 02:13:57.600 hundred and fifty bucks. That's all you paid for a capacitor. 2520 02:13:57.640 --> 02:13:58.920 That is not a bad deal. 2521 02:14:00.880 --> 02:14:03.640 All right, What did you pay for the system five 2522 02:14:03.720 --> 02:14:04.760 years ago? Do you recall? 2523 02:14:06.600 --> 02:14:09.279 It was around five grand and it has a ten 2524 02:14:09.520 --> 02:14:10.479 year warranty. 2525 02:14:10.640 --> 02:14:13.960 Man, you know what you did pretty good, you know, 2526 02:14:14.199 --> 02:14:17.000 I mean five years ago five grand that was That's 2527 02:14:17.039 --> 02:14:18.920 a pretty good price even five years ago. 2528 02:14:19.600 --> 02:14:21.840 And how big is your house? 2529 02:14:23.319 --> 02:14:26.359 It's a two story twenty four hundred square. 2530 02:14:26.479 --> 02:14:29.560 Yeah, it doesn't look at me. I would I know 2531 02:14:29.640 --> 02:14:32.800 that it's upsetting, but I would not complain right now. 2532 02:14:32.880 --> 02:14:36.119 I think they did you. They did not do you bad. Okay, 2533 02:14:36.199 --> 02:14:38.039 So all right, thank you Tom. 2534 02:14:37.840 --> 02:14:40.720 Sure thing, Chris, keep listening, Thank you very much. Three 2535 02:14:40.720 --> 02:14:42.960 oh three seven to one. Three oh, let's just put 2536 02:14:43.000 --> 02:14:45.520 it this way. Uh tune in tomorrow, right, and then 2537 02:14:45.560 --> 02:14:48.439 you can call me at three oh three Martino twenty 2538 02:14:48.439 --> 02:14:51.319 four to seven for help, information and referrals and we'll 2539 02:14:51.319 --> 02:14:53.840 get you on the next show. So that's three oh three, six, 2540 02:14:54.000 --> 02:14:57.960 two seven, eight four sixty six. Goodbye, folks, and remember 2541 02:14:58.319 --> 02:15:00.760 three oh three Martino, save all your problems for me. 2542 02:15:01.680 --> 02:15:02.880 Thank