Adrain Wright

The Master Mechanic is back Adrain Wright with Winchester Tire & Alignment on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:03):
Memphis probably presents the Beam Johnson Show.

Speaker 2 (00:08):
Let me say bath done me first, let me you
say bath. She's done, emphist of gain no matter of

(00:29):
the problem she can have so all the phone and
norma your mind.

Speaker 3 (00:38):
She jim be ding in the hair bych having you
to just.

Speaker 4 (00:45):
Keep them fair.

Speaker 2 (00:48):
When arind pecking out Ben Johnson's show, because.

Speaker 5 (00:53):
Well I've got here nothing gay.

Speaker 2 (00:56):
Heavy fuck you can hear every day you need.

Speaker 6 (01:02):
My bell, got me a missed king.

Speaker 3 (01:48):
Good morning, good morning, good morning, and welcome into w
d hi A the BEB Johnson Show. It is indeed
a pleasure I have you with us once again, and
on this Monday, December fifteenth, twenty twenty five. Enjoy this

(02:08):
fabbulous day to day. Get ready to put your ears
on as we spread the good news once again. Back
in the saddle, we will be talking with Master Mechanic
Adrian Wright will be here our first hour. Second hour
we are talked to the sister girls at Churmy Ursula

(02:30):
Woods at Urmy Monika Johnson will be back in the
house to talk with us this day. So get ready
to dial nine zero one five three five nine three
four two nine zero one five three five nine three
four two eight hundred five zero three nine three four

(02:56):
to two eight one hundred five zero road three nine
three or four two eight three three five three five
nine three four two eight three three five three five
nine three four to two will get you in to me.
And if this day, this, this, this, this, this here, today, Monday,

(03:23):
December fifteenth, twenty twenty five, is your birthday. Happy birthday
to each and every one of y'all out there who
may be celebrating a birthday on this day. You know
what I say, Go out and celebrate your life. You
a beta, your beta. When we come back, we'll talk

(03:48):
with the Master mechanic. Get your questions ready, So I'm
going on, Yes, Cole, I know your car couldn't start yesterday.
Get ready to talk to Adrian write and me be Johnson.
I'm the bed of Johnson Show only on double D.

Speaker 7 (04:08):
I A.

Speaker 3 (05:00):
Oh yeah, Happy holidays from the bb Johnson Show and WDIA,
the Heart and soul of Memphis. Welcome in to the
BEV Johnson Show and w DIA on this Monday, December fifteenth,
twenty twenty five. Enjoyed this fabulous day today. As I

(05:21):
said earlier back in the house, the master mechanic and
manager of Winchester Tire and Alignment and always say good morning, Apron, right.

Speaker 8 (05:35):
How are you?

Speaker 9 (05:36):
Good morning, I'm doing pretty good.

Speaker 3 (05:38):
Good to have you here. I laughed. Yesterday Adrian, I said, Okay,
Adrian's been on. You've been talking about the cold. Yesterday
it was cold, very go It was cold for these
folks who not used to the coal. And I was thinking, Adrian,
how many folks couldn't start a car?

Speaker 9 (05:57):
Oh, we've had them call in, did.

Speaker 3 (05:59):
I Because I'm gonna ask you, I said, I'm gonna
ask Adrian today this morning. I know they start calling
y'all did.

Speaker 9 (06:04):
You having sitting on the side of the road and
froze up? I mean it catches every year.

Speaker 3 (06:11):
Y'all don't listen to Adrian. And yesterday was it was
it twenty one or something?

Speaker 9 (06:15):
It got down pretty low.

Speaker 3 (06:16):
It got down pretty low. And tonight he's gonna get
back loads again. So I'm thinking, Adrian, with those folks
who have to have their cars sit outside, Uh, y'all
hadn't been listening to Adrian who put that They wasn't
listening to you, Adrian. So it's cold, we're getting go

(06:38):
have some other cold days, and so you talk about
I want to get this out. I got some emails
for Adrian. But putting that that and a freeze right.

Speaker 9 (06:48):
Oh yes. What happens is is, like I said, over
the course, like during the summer months, someone may look
at it it gets a little low. They won't go
and grab cool and put it in. They add water
to it. So over course, over time they get telluted,
so they should get it in so we can check
it so that way they don't end up with something frozen.
Wish it happens. We've had some calls this morning.

Speaker 3 (07:13):
I know you have, and I and I was thinking,
and I was just thinking that, really y'all, I was
thinking it's Saturday, because I knew Adrian was gonna be
on today. I said them, folk gonna get up Sunday morning,
y'all unparted all night Saturday night. Call's running good, get
us someday morning. A of this cal it's froze. It's froze.

(07:36):
It's froze, Adrian, when you were here last and my
listeners and let me tell my listeners again. You can
get ready to call Adrian if you have some questions.
Nine zero one five three five nine three four two
eight hundred five zero three nine three four two eight
three three five three five nine three four two will

(07:56):
get you in to us. Also, you can email tell
me a question for Adrian if you just can't call
Bev Johnson at iHeartMedia dot com. Bev Johnson at iHeartMedia
dot com. And Adrian. When you left last week, then
I looked and I apologize you all that I can

(08:16):
get to your email because when I found out a
couple of emails went to my spam. Now a lot
of times I don't look at the spam, but I
apologize listeners. So I'm gonna get Adrian these emails. I
got them, Adrian, I promise I'm gonna get them. And
it said, hi, Bev and mister Adrian, I have a

(08:37):
two thousand and seven s secukey sekuk. You know what
I'm talking about. I can't say it. It's X four
yes that has a four wheel drive sego forget that,
Jeff Johnson, the auto switch that turns on to engage
in the four wheel drive light stay on? Okay, what

(09:02):
could possibly be the cause? What would you be checking
for to see what is causing this? I'm gonna stop
there because here's another question.

Speaker 9 (09:15):
Okay, Well, there are several things that could could be.
There's a of course, that forward drive switch. Once you
push it, whether you're pushing it off or on, it
goes over to like a cylenoid. Some of them goes
to an actual forward drive control module. We just have
to see which one it is. So something is not
working like it should, so just have to get it

(09:38):
in where we can plug into it and figure it out.

Speaker 3 (09:41):
Okay, Suzuki, all right, Johnson got us, I'm Teuki, yes,
so okay. So the next question was Adrian. Also, when
warming up your car, how long do you need to
run it?

Speaker 9 (10:01):
Well, you definitely don't want to take out when it's
it's coloss as. Then you don't want to just hop in,
crank up and roll out. I mean, of course you
run the risk of doing damage. You want that, You
want that all the gising there and start flowing, you know,
five to ten minutes as you know, it's a good
time for it. You know, actually warm up depending on
how cold is. If you like my wife, she don't

(10:24):
want to get in anyone's cold. She wants you out
there and crank it up. So when she do get in,
and it feels like she and her son are Then
she'll turn the heat off after she in there. I
don't know why she does that, but some people let them,
you know, warm up, you know, Yeah, twenty minutes. Okay,
but that to be sufficient.

Speaker 3 (10:41):
Okay, Now this other email, I don't know if this
email is for you, Adrew to Terarry, but I won't
give it to you to say, but you make it
happen because this person, Dorothy said, good morning, I wanted
to buy a two K five Kia Rio for my
granddaughter with fifty five thousand miles. It's been sitting for

(11:05):
two years? Is that a good buye? For eighteen hundred dollars?
And what could I possibly need?

Speaker 9 (11:14):
Well, it's been sitting there.

Speaker 3 (11:15):
For two years. Okay, that's a question for you.

Speaker 9 (11:17):
Yeah, it's been sitting and like hasn't been cranking things
that that is possible. You may have to have a battery.
I would definitely get it in somewhere and get those
like the all changed out and get the other fluids
of course checked. But yeah, for that amount of money.

Speaker 3 (11:34):
I mean, but fifty five that's pretty good.

Speaker 9 (11:38):
That's pretty good.

Speaker 3 (11:40):
But she needs to get she's probably gonna have to
have it told into you all.

Speaker 9 (11:44):
Yes, you can have toad and we'll we'll check it
off for you.

Speaker 3 (11:46):
Okay, yeah, okay, So Ms Dorothy call Adrian. We will
be giving out Adrian's number, and he says, yeah, pretty good.
But it's been sitting for two years, so the battery
is probably not If it's been just sitting there, it's
probably not nobody cranking it. Okay, so Miss Dorothy call Adrian.

(12:07):
They'll have it told for you. Well you know what,
and Miss Dorothy, let me tell you when my PT
crewise and my blessed, my beloved it, it cranked the
battery and that Adrian came in. I called Adrian and
they told it over there and got a new battery
and everything. So miss d call Adrian. You'll help you out. Okay, Adrian,

(12:29):
I'm going to go to our phone line right somebody's
holding for you to hear what they have to say.
W D I a HI caller. Yes, how are you?

Speaker 7 (12:43):
I'm fine?

Speaker 9 (12:44):
Thanks?

Speaker 3 (12:44):
You good? Uh?

Speaker 7 (12:46):
How you're doing?

Speaker 9 (12:46):
I'm doing pretty good today? Shows yourself.

Speaker 7 (12:50):
I'm fire, thank you.

Speaker 5 (12:51):
Yeah.

Speaker 7 (12:51):
I'm on of the two thousand and eighteen or Explore.

Speaker 10 (12:55):
And when she one is cranked up, locking the more
and the warm up, it won't get warm, won't get
out at all.

Speaker 7 (13:03):
But as if you start driving then it works normal.
What could it be the cause of that?

Speaker 9 (13:10):
I would actually want to inspect to make sure that
the cooling is not low. That would be the first
thing that we would do if it was in the shop.
If the coolon is low, I mean it's just not
low enough for the vehicle action run hot, but not
enough for it to flow through the actual heater core.
So uh, that would be the first thing we would check,
and then something they could stuff.

Speaker 7 (13:33):
Okay, So it's either or it's the cool which is
not low, or the thumerstad just not opening up. Poppery
quare sitting there running.

Speaker 9 (13:46):
Well. If the thumbst that will probably be like half
open or partially open, which is letting that cool just flow.
And of course as you drive it, of course you
you know you got the bihicle is getting warmer, so
then it's actually pushing that that through so you can
get a little warm. But you may notice that it
probably is not actually getting as hot as it should

(14:07):
if it's a thermostad issue.

Speaker 7 (14:09):
No, actually it is. It's real hard once you go
down the road, I mean a few miles getting normal, I.

Speaker 9 (14:17):
Would check the cooling level. Then that will be the
first thing.

Speaker 10 (14:21):
I want to check.

Speaker 9 (14:24):
The coop so so.

Speaker 3 (14:26):
So you can always bring it in to Adrian. You
know where they're located.

Speaker 7 (14:31):
I don't, no, ma'am, I don't.

Speaker 3 (14:34):
Okay, Adrian, tell him where you're located.

Speaker 9 (14:35):
Well, we're at the eighteen thirty Winchester. That's a mile
west of the airport. I mean between Mill Branch and
Cazaza on Winchester eighteen thirty Winchester, eighteen thirty Winchester. Yesh, huh.
We're right next door to the Mails Union.

Speaker 7 (14:51):
Office, all theod old twelve thing.

Speaker 3 (14:55):
Yeah, yeah, okay, what do you know about that? Now?

Speaker 9 (15:00):
Right next door? Yes, sir, Now there you go this
old school.

Speaker 3 (15:05):
And Adrian give him, uh your telephone number.

Speaker 9 (15:09):
Yes, that number is, of course nine on one three four, five,
five four eight four.

Speaker 3 (15:16):
See one more time, Adrient.

Speaker 9 (15:17):
That's nine on one three four, five five four A four.

Speaker 7 (15:25):
I'm driving, so I just put it on memory.

Speaker 3 (15:28):
Okay, but you know where but you know where the
location is?

Speaker 7 (15:32):
Yes, yes, man, I do.

Speaker 3 (15:33):
And just when you go over there, you'll see Addrin
is the general manager there.

Speaker 10 (15:38):
Okay, okay, thank you for listening.

Speaker 3 (15:41):
I appreciate you. Thank you for listening. Happy holidays.

Speaker 7 (15:45):
It's I'm you.

Speaker 3 (15:46):
Thank you, bye bye. W D I a high caller.

Speaker 5 (15:51):
Hey there, great joke. I like your question about it.
Mister right, mister right, yeah, Apolo jack right, yes, age
right right, okay, no, so right, I want to ask
you a question dealing with heating up your car and stuff.

(16:12):
You know, you get these gauges on these car. I
don't know what they call OTM or something like that,
but man's you know, it's starting like balls. It jumps
up one, two, three. But when I can't get up,
that's the first ball. I'm in the balls. Who you
think you need to get up to be warm up

(16:32):
and stuff?

Speaker 9 (16:33):
At the first ball, Yeah, if it's sitting there. If
it's sitting there, most most vehicles, the actual idol speed
that they want to run at, especially like doing warm up,
it's going to be you know, eight nine hundred RPMs.
So just below that one that you see that's there. Uh,
some of them may be a little bit above it.

(16:55):
It's depending on what kind of vehicle it is. But
once down below that, right, So.

Speaker 5 (17:03):
As you're saying that one you mean like, uh, that's
a good time to leave or is it get below one?
Is that's a good I don't understand about that.

Speaker 9 (17:12):
Well, once it falls down below the that that thousand
rpm more. Once it gets below that, then the car
is probably sufficient. You know, it's warm enough where you
can actually drive, you know, without doing any anything.

Speaker 5 (17:29):
Okay, what about when you running a heater? I mean
it's just like my heater is just automaticy kick on.
It's like if I get in there and turn it on,
it ain't working. Said, so that's a good thing. A
bad thing? I mean when coming on the blow I
know at all, and then when I drive for a while,

(17:52):
it just automatic come on and heat.

Speaker 9 (17:54):
Okay, So yes, that's a good thing. Well your vehicle
sounds dito. You have that automatic heating in their want? Yeah,
and so probably the ways they have it set and
I would have to actually be in the car to
actually tell you. One is that after the bihicle they
don't want they don't want to blow that coal are
in there on you, So let's want.

Speaker 3 (18:15):
Let him finish talking, unforgetful, go on, adri and finish talking.

Speaker 9 (18:18):
Yes, so they so they have it set so after
it warms up some, then it starts flowing that warm
area at you. So so because the coal air, I mean,
don't nobody like that colir on them. So most people
don't even sit in the car while they're trying to
warm it up because there's they've got col air boring
on them.

Speaker 5 (18:38):
I appreciate your experience, right, and heaven n.

Speaker 9 (18:42):
Day you saying.

Speaker 3 (18:45):
That's our unforgetful Adria. We are talking this day with
the Master Mechanic. He is the manager of Winchester Tire
and Alignment. He is here to answer your questions about
your vehicle. I know, tell me y'all be chruthful. Did
your car start yesterday?

Speaker 10 (19:03):
Day?

Speaker 3 (19:04):
And Nicole Adrian can answer all your questions and we
will let him answer those questions. So here are the
numbers to dial nine zero one five three five nine
three four two nine zero one, five three five nine

(19:26):
three four two eight hundred five zero three nine three
four two or eight three three five three five nine
three four two will get you in to us. You're
listening to the BEB Johnson Show.

Speaker 9 (19:42):
On w d I A.

Speaker 4 (20:02):
Wishing you and yours a merry Christmas and happy holidays.

Speaker 7 (20:05):
From the.

Speaker 3 (20:08):
To bring holidays.

Speaker 8 (20:11):
Saving and welcome back to w d i A.

Speaker 3 (20:35):
We're talking to the master mechanic and manager of Winchester
Tire in Alignment, Adrin. Going back to our phone lines
to talk with our listeners. Thank you for waiting. Hi Bernice, Hey, Hey,
how are you?

Speaker 6 (20:52):
I'm doing great? How about yourself?

Speaker 3 (20:54):
I'm doing fabulous as well.

Speaker 6 (20:57):
Question for Adrian, question is I have a I just
got a windshield pick and I have a five hundred
dollars deductible. I just want to one am my options
for getting this windshiel fixed.

Speaker 9 (21:12):
All right. Now, we don't do actually we don't do windshields,
but I do know a company that does a great job.
And if it's just a pick and it hasn't spread it,
I probably go to them. A lot of times they
get that taken care of through your insurance. Well it
doesn't cost you anything, but you have to check with
them to see how that works. I don't know exactly
how it works. I just I just know that I

(21:33):
can I send people to them and they they be
really pleased with them.

Speaker 6 (21:37):
Okay, well I'm sorry. Well I just talked with my
insurance company and they just told me like you got
a five hundred dollars deductible, so five hundred out the deductible.
And it's just a pick. It just happened, but I
can't stand it.

Speaker 5 (21:49):
It's gotta be fixed.

Speaker 9 (21:51):
Well, if you're trying to replace the whole glass, then
that's probably that deductor. What's going to go toward that?
But like I said, most of the time the pick
can be prepaired where it doesn't spread.

Speaker 6 (22:02):
That's what I want to do. I just want to
get that. I just want to get that done because
I don't have to replace the whole thing. It's just
a pick, but I don't want to spread. So you
recommend me going to those people.

Speaker 7 (22:11):
Or what to do?

Speaker 9 (22:12):
Go to Snappy It's they're called Snappy Auto Glass or
on Highway fifty one there in South Have Mississippi. They
do great work.

Speaker 6 (22:20):
Okay, Oh do you have to have that number, sir?

Speaker 10 (22:23):
Uh?

Speaker 2 (22:24):
Not with me?

Speaker 10 (22:24):
I do not.

Speaker 9 (22:25):
I don't know about hard Okay.

Speaker 6 (22:27):
It's called Snappy Auto Glass on Highway fifty one.

Speaker 9 (22:29):
That's correct.

Speaker 6 (22:31):
Okay, I'll give them a call.

Speaker 3 (22:32):
Thank you so much, Bernice.

Speaker 6 (22:35):
Okay, I'm listening.

Speaker 8 (22:37):
Thank you.

Speaker 3 (22:38):
We appreciate it.

Speaker 6 (22:40):
Sure to take care now to bye bye, w D
I a hi caller.

Speaker 7 (22:47):
Are you doing this morning?

Speaker 3 (22:48):
I'm doing well. I'm doing well. Let me ask you
a question before you answer. When you were on hole,
could you hear us?

Speaker 7 (22:56):
Yes? I could you could?

Speaker 3 (22:59):
Yes, when you were on hold?

Speaker 7 (23:02):
Oh you mean as far as like the conversating or no,
I just heard the conversation. Yeah, no, no, no, no conversations.

Speaker 3 (23:08):
I'm sorry you did hear anything?

Speaker 7 (23:09):
Okay, that's the commercials oh oh okay.

Speaker 3 (23:12):
Okay, that's what I wanted to hear. Okay, all right.

Speaker 7 (23:18):
My question is I've got two twenty twenty one Mercedes
g LB two fifty. I'd like to know how often
should you actually have a cooling flush in that particular?

Speaker 9 (23:28):
Making Mabel well, what I would do if you were
in the shop, I would actually be looking that up
and based on when Mercedes says it's actually time for
you to do it now? Okay, because of course their
their timeline may be a little bit different, but old
school we try. I try to tell my customer, if
you if you, if you're taking care of that at
least every other season, Okay, you're covering yourself, got Okay.

Speaker 7 (23:53):
I've had it about five years though, yeah.

Speaker 9 (23:55):
Well see if you hadn't done it, I would say
it's very It's just it's definitely time to get it done.

Speaker 7 (23:59):
Okay, okay, And I have a well this is not
really a question. I just have a statement. But I
needed like a battery, but they told me that I
needed a primary battery as well as an auxiliary battery.
The thing is, the primary battery is like four hundred
ten dollars at the dealership itself. But I found when
a Walmart for one, well with taxed two nineteen, right,

(24:20):
let's they go okay, But no one sold like no
AutoZone or o'reillies or anything like that sold the auxiliary battery.
So I had to get it from the dealer. Don't
do you know? That battery fish in the palm of
my hands. It was one hundred twenty dollars.

Speaker 9 (24:33):
Oh what were you doing?

Speaker 10 (24:34):
Good?

Speaker 9 (24:34):
Some of them five and six?

Speaker 7 (24:36):
It's true. But the thing is I purchased like one
of those Walmart batteries as far as the primary battery
for like two nineteen. But the thing is, I'm still
gonna have to have someone to programming when they put
the batteries, do you program?

Speaker 9 (24:48):
Do we do the reset? The batteryset.

Speaker 7 (24:50):
Yes, right, okay, this is what they call reprogramming and
where once they install the batteries though, because what I
was trying to do is use use the Walmart battery
as the primary which I purchased, and use auxiliary in
which I got from the dealership. But the thing is
that the person that was supposed to do it, that
knew how to do it, I just can't seem to
get in touch with them. So you know, I'm just
gonna have to go ahead and possibly just by the

(25:13):
the primary battery from the dealership as well, you know,
pay the four hundred and ten dollars, just you know,
bite the bullet. But I want to do it. If
that's something that you did, since I have a Walmart battery, well, I'll.

Speaker 9 (25:22):
Be honest with you. If you if you are going
to if you're going to go to the dealer, they're
going to probably set it for you when you purchase
the battery. Now, as far as the Walmart battery goes,
I mean someone's already installed it because.

Speaker 7 (25:36):
We don't No, no, it has not been installed yet.

Speaker 9 (25:39):
No I've installed because we don't actually install the customer
parts for warranting.

Speaker 7 (25:42):
Okay, okay, okay, because I think they're going to charge
me like an additional two seventy two to do the
reprogram and so you know, in addition to the price
of the battery.

Speaker 9 (25:52):
So yeah, mine is usually like one. But again, if
you're buying a battery from us, of course, so you know,
we work on that. I don't okay, don't try to
hear you like that.

Speaker 7 (26:04):
No, I understand that. No, I definitely appreciate that.

Speaker 9 (26:07):
Though there's no problem. Well, come and see us.

Speaker 7 (26:10):
A little might run the corner from you, you know
where we are.

Speaker 10 (26:13):
Great, Absolutely, well go see him, brother.

Speaker 7 (26:18):
Oh will, I got to keep this my baby running bare.

Speaker 3 (26:21):
I know I know about them babies. Hey, y'all have
a wonderful data and you two and happy holidays.

Speaker 9 (26:30):
Bye bye.

Speaker 3 (26:31):
Yeah. During this time of year, Adrian, because it's getting cold,
are we gonna have problems with batteries or what?

Speaker 9 (26:40):
Well, that's what that was one of the things I
was thinking when because from our last few shows, of course,
we kind of talked about maintenance wise and cooling. But
I'm telling you, batteries, if they're not up to snuff,
the cold cranking ams are not what they should be. Yes,
you're gonna you're gonna have issues out of those when
the cold comes as well, cause they don't they will

(27:03):
they will not start. The bilical won't start mm if
the cold crank an answer not up m hm.

Speaker 3 (27:11):
So and and I guess the question I'm asking is,
and I guess the last caller how well he had
abend but in a just a well, I guess I
being a how often do you have to have a battery?

Speaker 9 (27:28):
Well, now, that's that's one of those catch things some
most batteries, I mean, you get you know, four to
five years out of easily without any problems.

Speaker 2 (27:39):
Uh.

Speaker 9 (27:39):
But if you're one of those that hop out the
car frequently, go and go in places to lead the
lights on, and you know, just always drawing on the battery,
of course, that that decreases the life of it. So uh,
that's just based on a person, you know, what their
habits are. Okay, most of the time you get four
five years out of a battery really roughly m h five.

(28:07):
And that's when you know, I'm glad to know that
that's a good thing. That's a good thing.

Speaker 3 (28:15):
An email question for you, Adrian and Anita wants to
know what could be the signs to your vehicle that
you have gotten some bad gas from gas station.

Speaker 9 (28:30):
We'll get that. I get that question a lot. It
can the bill can definitely start running really bad. That
will be the first thing. But if you if you
have one that's running that starts running really bad right
after you gas up, and you know for a fact
that it's it was not running that way, the first
thing I would do is get it shut off because

(28:51):
you're starting to pull all of that water. That's generally
what happens is contaminated with water.

Speaker 5 (28:58):
You know.

Speaker 9 (28:59):
Uh, these I remember these tanks under ground and sometimes
they don't get covered up like they should. Or one
of the gas trucks, you know, have some wad in
some sort of way and it pumped it in with
the gash. So you want to you want to shut
it off and get it somewhere so someone can take
a gas sample of it. Take a sample of the gas,

(29:20):
shall I say so? Then they can inform you whether
or not it was contaminated or you know, something else
went wrong, because there is a possibility something else has
gone wrong.

Speaker 3 (29:29):
So if you do get the bad gas, I want
to be clear your car is gonna do what skip
or whatever.

Speaker 9 (29:36):
It's gonna runna run really bad?

Speaker 3 (29:38):
Because is that is that sometimes Adrian people have bad gas.
When you see that smoke coming out, well that is
that's something else.

Speaker 9 (29:48):
Yeah, it's possible that that could be, but a lot
of times it just runs really bad. Sometimes they get
they get water in them in the gas right right.
Firstly the pump ain't come and run for a minute
and shut out, So that's water in the gas, been
messed around, got water in gas. So you want to
get somewhere so they can check that out for you

(30:10):
and makes certain you know where you was what put
that gas in their.

Speaker 3 (30:15):
Head right exactly then at that point. So again that's
two different things. When we see the smoke coming out
of the back of your car.

Speaker 7 (30:29):
What what is that?

Speaker 3 (30:30):
What is that could be? That's not bad gas? Or
I always thought that was bad gas.

Speaker 9 (30:35):
You could be burning all. I mean, that's there's there's
other reasons why I want with smoke at the rear
of it doesn't mean that that'sert that you got bad gas.
But it will run bad. Uh, if you get some
bad gas, it will run bad. So if it happens
right after you leave a service station, you should try
to get somewhere so you can get that checked out,

(30:55):
shut it out, get it towed into a service center
so they can make sure that you because longer you
run it, the more you mess up. Okay, can you
all check to see if it's bad? Oh yeah, okay,
we can take a feeral samples. Oh okay, okay, And Adrian,
I just love our listeners. So a listener just wrote
me snappy Windhill repair that seventy.

Speaker 3 (31:17):
Seventy twenty five highway south. Haveyn Mississippi. The phone number,
Bernice if you're listening six six two three nine three
zero nine zero six six six two three nine three
zero nine zero six. Thank you, listener. Appreci I love

(31:41):
our listeners. Yeah, they they're Johnny on the spot, Adrian.
They come, thank you, thank you, thank you. We appreciate that.
And I whope Bernice hurt that, but she'll get it.
Snappy wind chill. Okay, but that's good to know because
I may need snappy wind chill. They've been pretty good.

Speaker 9 (31:57):
They're good. They're good, so you're kind of partner with them. Well,
we just I mean we recommend you started using them
because I mean, yeah, because you are because you out
on do wind Childs. We don't do wind shield So
I have to find somebody that I can trust to
take the vehicle to when I get it back, is right, okay,
because I mean there's just so much to the things
that we don't know that You have these windshields now

(32:20):
that just literally got antennas in them. Oh yeah, then
it gets worse. They have the h lane departure stuff
in them. They have you know in the wind shills now, yeah,
like those see those little boxes that be like right
above the river mirror. All they packed with stuff. So
you gotta go to somebody that's got the equipment that

(32:40):
can ogram that stuff back.

Speaker 3 (32:42):
Okay.

Speaker 9 (32:43):
They have been really good about it.

Speaker 3 (32:45):
Good. You know what interesting, Adrian, these cars have all
and you will love this. So yesterday I'm driving Shaft.
That's what I named it because Ida shaft sound shaft.
He's a bad So I was driving chaff yesterday and
when you know what came on, Adrian. It said, beware,

(33:08):
ice may be in the I said what that because
I like you? It said beware said the ice is
it may be in the pacentate.

Speaker 9 (33:19):
And I've been looking like huh was looking at that temp.

Speaker 3 (33:23):
Yeah. So these cars do all this kind of They
got all types of things. And well you just educated
me because you said that a lot of things are
in the windshield.

Speaker 9 (33:33):
They have a lot of stuff them. I wonder why
they do that now, Well, I mean they they they
got to put it where like for an instance, they
laying departure Okay, it's got to be the lookout, okay,
as to see and know that you actually leaving your
lane or right right. So there's places stuff there in
that windshield.

Speaker 3 (33:53):
Wow.

Speaker 9 (33:55):
Wow, they got a lot of things going on.

Speaker 3 (33:58):
It almost makes you be afraid of by new car,
all this new stuff, this new fangle stuff.

Speaker 9 (34:03):
I don't be afraid, No, I know me afraid, y'all.

Speaker 3 (34:05):
Don't spend your money. Terry will be here next year,
a Terry. They come on spin with us. Yeah, we
are talking with the master mechanic today. Adrian Wright is here.
If you have a question or two, you can email
me like Anita and my other folks at bab Johnson

(34:26):
at iHeartMedia dot com. Or you can call us on
the line. Yeah, talk to me. Nine zero one five
three five nine three four two eight hundred five zero
three nine three four two eight three three five three
five nine three four two will get you in to us.

(34:48):
You're listening to the heart and soul of Memphis.

Speaker 10 (34:52):
W d I A.

Speaker 4 (35:01):
Got something to say. Say it next with Tennessee Radio
Hall of Famer Bev Johnson on w d.

Speaker 3 (35:09):
I AM, We're talking with the master mechanic and manager

(36:19):
of Winchester Tire and Alignment, Adrian. Right, Adrian, back to
our phone lines to talk with William H.

Speaker 10 (36:27):
William, Hey, the beautiful bells.

Speaker 3 (36:31):
How how are you? Brother?

Speaker 10 (36:34):
Hey, I'm still enjoying this retired life. There's been one
year now and loving every minute of it.

Speaker 3 (36:40):
Well, congratulations, William, continue to enjoy your.

Speaker 10 (36:44):
Life, brother, Yeah. So quickly that the they were talking
about fuel and bad fuel and water. Can you tell
me when it comes to my cheap gas and the
fluods that it leaves in your engine? Does it costs

(37:06):
more in the long run rather than using some gas
treatment or going to a different gas station that has
better gas. What do you know about that, my brother?

Speaker 9 (37:16):
Well, when you said cheap gas, I mean you just yeah,
you know the fludge that you Yeah?

Speaker 10 (37:24):
Okay, Well, I've been from a no name gas station
and uh, let's say a uh Exxon or Chevron or something. Well,
the difference between the no name and and you know Chevron, Well.

Speaker 9 (37:37):
I'm gonna let you secret all of them. All of
them are going to leave some deposit on the inside
of the engine. Okay, and some are worse than the others.
But it wasn't necessary gas that did it.

Speaker 2 (37:50):
Uh.

Speaker 9 (37:51):
When they went to the direct injected engines, and of
course they they they fixed some things, but they also
create created another monster. And the best thing to do
is is try to keep that as clean as you can.
Like us, for instance, we do a fuel induction service,
which is a three stage, three part deal that we do.

Speaker 2 (38:12):
Uh.

Speaker 9 (38:13):
We got a cleaner that goes in, of course, and
we clean the injectors and it cleans the tops of
the pistons all right. Then as we go in and
we clean the thought about it. Then there's a solution
that we put in the tank that we require for
you to run through a tank of gas that goes
in so it can continue to clean through that tank
of gas. Because once they switched over to these these

(38:35):
fuels with the ethanol in it, that's what the problem started.
It's not necessarily what fuel you use. What feral is better.
Some of them using some different things. Shell It's been
pretty good over the years about doing putting different editors
in their feral to try to help, you know, maintain that.
But if you're not doing something to you know, be
proactive for yourself, you're gonna still run across some issues.

(38:58):
And so you know that's why that's why we sell
fuel induction services, so we can try to help you
maintain that.

Speaker 10 (39:07):
So what would be the estimated cost of a cleaning
like that of.

Speaker 9 (39:12):
The fuel induction service, uh that we provide for you.
If I'm mistaken, it's like one thirty nine. Yeah, but yeah,
we definitely do it.

Speaker 10 (39:24):
Okay, Okay, Well I finally found a reason to get
to you.

Speaker 3 (39:28):
All right, hey, will what you say a reason to
get the agent.

Speaker 10 (39:36):
Because we found like man, we're gonna have your call
running like new Oh.

Speaker 8 (39:40):
Yeah he does, he does.

Speaker 3 (39:42):
Hey, William, I'm telling you that they I wouldn't tell you, no,
tell William, they do good work. They they have worked
on all three of my vehicles now my two. But
they do good work.

Speaker 10 (39:58):
I'm telling you, well, you have built a reputation over
decades of telling the truth.

Speaker 7 (40:06):
I believe.

Speaker 3 (40:07):
Well, Thank you, will Bro.

Speaker 7 (40:08):
I love you.

Speaker 9 (40:09):
Now I love you.

Speaker 3 (40:10):
Happy holidays, Merry Christmas, Mary right, thank you, William By
Yeah so, Adrian, y'all, and and for our listeners who
may be listening for the first time. You all do
all kinds of work except bodywork. Bodywork.

Speaker 9 (40:31):
Don't do bodywork.

Speaker 3 (40:33):
But if somebody came to you and say, Adrian, do
you know somebody you you all would recommend somebody.

Speaker 9 (40:38):
We have a we have a gentleman that uh well,
massive body shop, which is family owned business. We've been
using them over the years. They've been great. I've never
got one back and you know it was a you know,
box job or anything. I mean, don't get me wrong.
Every if there's a lot a facility in this this city,

(40:59):
that customer didn't come in and say, hey, you got
to scratch on my car. You don't have this something happened.

Speaker 7 (41:04):
Uh.

Speaker 9 (41:05):
We're pretty good about, you know, getting that taken care of.
Should that happen, because of course it does happen. But
customers always please whenever we get it back to them,
because they do excellent work. I got some of them
called me in and said, hey, man, them folks that
you use like, I need a number because I got
another car I wanted to stand it over there to them,
let them fix it for me. They've been pretty good.

Speaker 3 (41:25):
Been pretty good. Okay, So, uh, you know you all
having problems. Adrian can put you in the right direction,
that's for sure. That's now I was going to ask
you something else slip my mind. So what if y'all
had good questions at the game, gas and all kinds
of stuff going on. So, but my thing is I

(41:47):
want you all to remember it is it is getting cold.
So it's one a time now winter is here. It
is here, and so don't don't y'all I'll be be
procrastinating about putting that anti freeze, am I saying it right.

Speaker 9 (42:08):
Making sure you get to freeze in it. As a
matter of fact, if you just stop by, we don't
we don't mind doing a check on it for you.
So okay, you can just inform your what no condition
you're in and what does it look like? And actually
we'll do that at no charge. If you just stop in,
we tell you where you are good and.

Speaker 3 (42:26):
What else I was gonna say. So that's the first
thing you all need to do to make sure that
your your cars will crank well.

Speaker 9 (42:38):
Well, the cool it won't necessarily keep it from cranking. Oh,
but because it freezes up, that's what the issue is,
because it's.

Speaker 3 (42:45):
If it freezes up. Okay, the cool it helps it
from freezing out.

Speaker 9 (42:50):
Freezing that battery is what we want to check while
you're there.

Speaker 3 (42:53):
Oh, the battery, so in the cold, whether the battery
does something?

Speaker 9 (42:57):
Oh my goodness, wait a.

Speaker 3 (42:59):
Minute, Adrian.

Speaker 9 (43:00):
Yeah, yeah, Well these batteries they're not like they used
to be or what. No, and I made out of
stuff that they used to make them. But I'll be
honest with you. We use a use a tool that
actually does an early detection, okay, like when you're in
there and and that, like you may even take a
look at some of your inspections that we send you. Right,

(43:22):
there's a battery test that there tells you what voteras
is in the battery, tells you what the cold cranking
ounce was, and tell you what the battery is rated at.
If them cold cranking ounce is not where it should be,
it will actually tell us just hey, this is a
bad battery. You know, try to get you to buy
a battery, But I get it all the time. Ain't

(43:43):
my battery cranking up just fine?

Speaker 3 (43:45):
Right?

Speaker 9 (43:45):
Oh yeah, it is now, but they ain't gonna be
where they get cold.

Speaker 3 (43:49):
I know where they get cold.

Speaker 9 (43:51):
Yeah, or extreme heat. Extreme cold kill them everytime.

Speaker 3 (43:55):
The battery. So y'all, if it's not cranking, come over
and call over the adron go over there so he
can help y'all rolling again. Right, let's see any other
things that we need to do, any other things that
we need to know, Adrin before you get out of here.

Speaker 9 (44:17):
Well, I hate to keep saying it, but maintenance is key.
Just you just want to stay up. I mean, you
spend too much money for these bills nowadays. I mean
you can go and go get what used to be
you know, twenty five thirty thousand car thirty thousand dollars card.
Now they joke seventy five and eighty thousand dollars. Yes,
So if you're spending that kind of money for it,

(44:39):
you want to make sure that you're taking care of it.
Well we're there to help you with that. So all
I actually do is just bring it into us, give
us an opportunity, because, like I said, we provide you
with that thirty seven point course inspection, which is pretty good,
pretty good inspection, and it gives you a good overall
picture of where you are, and we try to help

(44:59):
you make s We're keeping that maintenance up. That's all
I can tell you because that's the key. That's the key,
That is the key.

Speaker 3 (45:06):
All right, once again, Adrian, your phone number and where
you all are located?

Speaker 9 (45:11):
Well, our phone number there is, of course, it's a
nine O one three four five five four eighty four.
We're located at eighteen thirty Winchester. That is a mile
west of the airport. We're right in between Meal Branch
and Kazazza. Just to come and see us. We'll be
waiting on you, and you're open Monday through Friday, seven

(45:34):
thirty five. Sorr. I'm clothes on the weekend. But thank
god that my boss values family, Yes, so he makes
sure that we spend this, you know, some quality time
with the family. Most families on the weekend is the
time to do it. So I'm grateful for him. I
hope he don't change it though, I know.

Speaker 3 (45:52):
What you're saying. Well, Adrian, we appreciate you and appreciate
all the information you have been given us, and I
appreciate Winchester tie and alignment. I love y'all.

Speaker 9 (46:04):
We thank you thank you.

Speaker 8 (46:05):
I love you.

Speaker 3 (46:06):
I want to say Merry Christmas to you, Happy New Year,
Happy Kwansa, and and hope in the new year. We
see you in the new year. Oh yeah, oh what
in January we come back. We're gonna have here a
lot of problems.

Speaker 9 (46:18):
Oh boy, you don't know. It's gonna get a little rougher.
But but we're gonna hang in there and hopefully they
take heat and come see me. We'll keep him out
of messed up. Getting all messed up sounds good.

Speaker 3 (46:30):
Mister Adrian, right y'all, the manager of Winchester Tire in
Alignment and Master Mechanics. Thank you, adrid Hey, thank you.

Speaker 9 (46:37):
But I appreciate being here.

Speaker 3 (46:38):
You're welcome. As we get ready to go to the
other side of the Bab Johnson Show, the sister Girls
are back in our house. Attorney Ursula Woods, Attorney Monika Johnson,
and me. I'm a sister girl too, Dev Johnson on
the BEB Johnson Show on doub d i A.

Speaker 11 (47:04):
Whether you're in Arkansas, Tennessee, or Mississippi, on Facebook, Twitter,
or Instagram, thank you for listening to the BEV Johnson
Show on w d i A Memphis.

Speaker 2 (47:49):
That's justin show jumps time mephis talkie.

Speaker 3 (47:55):
All aware, how will you go? You go?

Speaker 2 (48:00):
So getting ready in time.

Speaker 12 (48:05):
Show, let's go.

Speaker 3 (48:10):
We make Gordy by him.

Speaker 1 (48:15):
You d.

Speaker 10 (48:18):
Listen to what today?

Speaker 3 (48:20):
You know it's time for the belt to show the mountain.
So lucky let's go. We are rocking and rolling on
this Monday, December fifteenth, twenty twenty five. Enjoyed this fabulous
day to day. As I said earlier, back in the house,
the sister girls, my sister friends, Attorney Ursula Woods, Attorney

(48:46):
Monika Johnson is back say for the last time this year.
Good morning sister.

Speaker 12 (48:53):
Good morning sister.

Speaker 10 (48:55):
How are you?

Speaker 12 (48:56):
I am doing well. I am doing well, Monique. We
had just arrived at the door. And but and why
we're led to church because the first lady, missus Jackson,
really wanted to make sure that she focuses on the
community that has memory laws, that has dementia.

Speaker 3 (49:13):
What should you do?

Speaker 12 (49:14):
What are the expenses and also what is the best
legal documents to have in place when you have someone
with dementia. So Attorney Johnson is going to talk about
that and shout out to Hope Fellowship Church on Mullin
Station for bringing that topic to the forefront and then
I'm going to talk about a business type of bankruptcy

(49:35):
filing today BEV. So that's what we have for the
show today. Sank See and Wills in estate planning.

Speaker 3 (49:41):
Okay, I know you want to horror and get started,
but did we have a soapbox today?

Speaker 12 (49:45):
We will make the soapbox really quick, which is guys,
we are in tough times. We're in tough times. Don't
focus on the money that you spend. I'm serious, focus
on the quality time that you feed into your children. Right,
the best give that you can give your children to
self confidence. A lot of times I read these books
and I hate them because they be like focus on yourself,

(50:07):
you know, build yourself up.

Speaker 2 (50:10):
Well.

Speaker 12 (50:10):
How so when it comes to self confidence, I had
one of the best fathers and the best way in
my opinion, the way that he built up my self confidence,
which was truly validating who I am as an individual
and not trying to make me be anyone other than
who I am. So I would encourage you to give
your children a gift of self confidence by validating who

(50:32):
they are. Even if they're loud and they talk too much,
and you know, there is a space for that. They
could be a talk show host, they could be an attorney,
you know who knows. But whatever the case may be,
my soapbox is, give your children the gift of you,
give them your time and your energy, and give them
the gift of validation with self confidence. That's my soapbox today.

(50:54):
All right, good morning attorney, Monique.

Speaker 13 (50:57):
Morning, good morning, saystufternoon, good afternoon, Since stood afternoon, Systy.

Speaker 3 (51:06):
That's a good sub box. Yes, I was actually thinking.

Speaker 5 (51:14):
That.

Speaker 3 (51:14):
I saw that went viral.

Speaker 13 (51:16):
And on that video they have like a little toddler
sitting in the bed and the mom gives the toddler
two choices, like a household item like a brush or
a comb or remote control, and then an expensive toy.

Speaker 12 (51:33):
And each the toy was all colorful each time, and.

Speaker 3 (51:39):
It was different toys, different household items.

Speaker 13 (51:42):
It didn't matter each time that toddler chose the household item,
and so the.

Speaker 12 (51:49):
Video the household item could be something as simple as
a wooden spoon.

Speaker 3 (51:52):
A spoon, and the child was just as happy exploring that.

Speaker 13 (51:56):
And so the moral of the story was, don't go
out here and overextend yourself in debt buying these expensive
things thinking that is what makes our children happy. What
makes our children happy is routine us you know, systems,

(52:16):
discipline and they need that.

Speaker 12 (52:19):
And being present, you know there you when you're when,
that's a whole, that's a real So that's.

Speaker 3 (52:26):
All I wanted to add. The bottom line is present.

Speaker 12 (52:29):
Yeah, being present even there's psychology behind it. Even when
you are on your phone and your child is trying
to get your attention. That neglect. I know you don't
look at it as that, but that neglect actually has
a very damaging effect on an infant and a toddler's brain.
So you really need to be mirroring your child when
they're in your face like that and not on your phone.

(52:52):
But that's a whole, that's a real life soabox all right,
But today today, today I do want to talk about
something that's not as happy though. I want to talk
about if you own a business and you're struggling, Okay,
all right, sure, so right now with all of the tariffs,
that makes our inventory go up. If we're selling items,

(53:12):
we have these unexplained expenses because of gas surcharges as
well as the terrors, and then as well as simply
the business is down because of the recession that they
don't say that we're in, but it definitely feels like it.
So if you own a business and fifty one percent
of your debt is business debt, that means your EIDL loan,

(53:33):
your SBA loan, your grant that didn't go through, and
now that's a loan. We can bankrupt those items and
it doesn't matter how much money you make. So if
you're listening to me right now, if you go to
Ursula Woods on Facebook, if you go to Bankruptcy Law
Firm on Instagram, you will see a video of fifty

(53:56):
cent and fifty cent is just you know, bragging, you know,
being fifty bragging and laughing about filing bankruptcy. Well, he
hit fifty cent, has hit hard times in his past,
so has Tamar Braxton and a few other famous people,
including your president, and they have all found bankruptcy. And
many times people will say, well, you know, these are

(54:18):
wealthy individuals, how in the world are they filing bankruptcy. Well,
the way that they filed bankruptcy is because of a
business bankruptcy filing. It's a type that's not the name
of it, but it really is a Chapter seven bankruptcy,
in which if fifty one percent of your debt, if
fifty one percent of your debt is business debt, then

(54:39):
we can bankrupt that particular debt. So if you are
struggling to pay your bills or to pay your payroll,
you can come in. We can analyze your situation, make
sure that fifty one percent of your debt is a
business debt, and then that way we can eliminate all
of the debts. You have to enc creach your profit

(55:01):
margins so that you can make payroll. So the bottom
line is, if you're a small business, you can call
in now if you have some quick questions or the
call us at the office so that we can discuss
it more. We have a lot to unpack within the
next thirty minutes, so I want Attorney Johnson to address
hers so that we can open the floor for questions
just in case you have any. But essentially Chapter seven

(55:23):
the chapter thirteen will work for small businesses and you
can give us a call at nine zero one, five
four to one help. That's five four to one, four
three five seven. If your business is struggling and you
need to save your business, bankruptcy is an option, and
even maybe a Chapter seven bankruptcy is an option if

(55:44):
you want to completely eliminate some of that debt, especially
those SBA loans. Again, Ursula Woods at the bankruptcy law firm,
and our number is nine zero one five four one.

Speaker 8 (55:55):
Help.

Speaker 12 (55:55):
That's five four to one four three five seven. Attorney Johnson.
I've just been bragging about how we were at Hope Fellowship.

Speaker 3 (56:02):
This was such an enjoyable time.

Speaker 12 (56:05):
Pastor Tim Jackson was the senior pastor, and I think
Pastor Christopher Williams, if I'm not mistaken, was the guest pastor.

Speaker 13 (56:13):
There, and it was you know, it was really a
blessing for me. It was a good message, good people.
They were open and receptive. Actually they were highlighting and
focusing on individuals families that are suffering with dementia and

(56:34):
dementia related issues.

Speaker 12 (56:36):
And then first Lady Jackson at Hope Fellowship, she's the
one who I guess that's her mission right now is
the patients who have dementia.

Speaker 13 (56:47):
Correct it is, and I think that it's an amazing
thing that they're doing. They want to make sure that
they minister to the whole person. You know, it's one
thing to go to church and you just you get
a word word and you try to utilize that word
in your life. But it's another thing when you go
to church and not only do you get the word,

(57:07):
but then you're getting information on you know, what services
are available for my mother, you know, because I am
experiencing this real life thing with my mother aging and
so what services are available.

Speaker 3 (57:22):
And when you have churches that are that interested and
care about.

Speaker 13 (57:26):
The community that they're willing to bring individuals in to discuss,
you know, possible options, it's admirable to me.

Speaker 12 (57:35):
So if someone is suffering with dementia, what are some
of the things that we talked about that they're going
to need their medical health?

Speaker 13 (57:42):
Well, what we want to say first and foremost is
it's important to plan in advance.

Speaker 9 (57:48):
You know.

Speaker 13 (57:48):
We don't want to wait to a person gets to
that stage that we you know, begin to think about
putting things in place, because that's really almost too late.

Speaker 7 (58:00):
Now.

Speaker 13 (58:01):
It doesn't mean that we can't put things in place,
but we have less control over what happens if we
wait that late. So I'm going to encourage anyone regardless
to whether you're suffering from memory loss or you know,
a mental health issue. While you are you know, sane

(58:21):
in your right mind, and you're healthy. You want to
make a plan. That is important. And so first we
start with creating that estate plan and planning for any
period of incapacity and that includes dementia. And so the
reason this is important is because it will avoid you

(58:43):
having to go through a conservatorship process later.

Speaker 12 (58:46):
On, and you don't want to do that. And because
if someone is losing their memory, then that means that
they won't be able to make decisions on round behalf
and meet. So say, for instance, you know our right
so Mary. So then when Mary, we can't just walk
into the bank and then just say, hey, Bank of America,

(59:08):
miss Mary, our mom has dementia, so let me sign
these checks for her.

Speaker 3 (59:12):
That's not and then that is not The bank is
not going to allow. Remember that elders and young people children.

Speaker 13 (59:22):
Are very susceptible to abuse, you know, and we need
to protect our elders in every way possible. That bank
doesn't know whether or not that child who says mom
has dementia has good, you know, intentions with the monies.

Speaker 12 (59:40):
And said one of our clients, I just want to
I'm sorry to interrupt you, but this is very important
because and you already know what I'm referring to. One
of my one of our clients, his son found out
a little late, just a little late, but his the
father was developing dementia, and the son found out that

(01:00:06):
some individuals in dad's life were taking him to the
bank every single week and taking out money and got
about a third of the funds that were in his bank,
took about a third of the funds out. So, just
as an added note, when we're giving you the toolkit,
if someone has dementia, you are going to need a

(01:00:28):
hippa notice, a hippo permission. You're going to need a
power of attorney in addition to what Monique is about
to talk about. But those are two things that you need.
But you need to get that power of attorney so
that you can handle business at the bank, to find
out who's taking advantage of your parent or who's not
taking advantage of your parent, how much money is in there,
and to be able to conduct business. And then also

(01:00:50):
with the mortgage, you need to be able to communicate
with them. So these are all things that if you
can get that in place while your parent is still
in their sound mind, can avoid someone taking advantage of them,
like you know one of our clients occurred with him Ben.

Speaker 13 (01:01:08):
If we get calls all the time from individuals who
are caring for their their parents or their loved ones
as they're aging and they say, Hey, I need to
get a power of attorney from my mom, you know,
because the bank won't talk to me.

Speaker 3 (01:01:25):
And I say, okay, well, you know I have to.
You know, Mom would be my client.

Speaker 13 (01:01:30):
I would need to talk to Mom to know who
Mom wants to name as that individual who can act
in her stead.

Speaker 3 (01:01:38):
Oh, Mamma can't do that.

Speaker 13 (01:01:40):
She got she's not in her right mind. Well, you
can't get a power of attorney, sir or ma'am. You cannot.
So that's why we're advocating that you plan now while
things are going well, because if you wait and you
call me and say I need a power of attorney today,
but Mom doesn't have the capacity city find that document,

(01:02:02):
we cannot ethically, we cannot draft that document for you.

Speaker 12 (01:02:06):
So then that also, can you take it just one
step further, what happens to the house and what documents
specifically are we referring to that will help them with
the house, Because sometimes when like today, I had someone
that called and said, literally said Dad, Dad passed away.
Dad passed away. And when Dad passed away, he left

(01:02:28):
the house to the oldest son. So now here's literally
the conversation. Dad passed away, Dad left the house to
the oldest son, and the oldest son also has a
power of attorney. Can he sign a quick claim deed
to give me the house?

Speaker 3 (01:02:44):
Absolutely?

Speaker 12 (01:02:46):
What people think that, Yeah, I know that's great. Yes,
I know it's great.

Speaker 3 (01:02:54):
Let me let me just say this.

Speaker 13 (01:02:57):
If you are the one with the power of a attorney,
you should not be signing documents transferring assets to yourself.
That seems unethical.

Speaker 12 (01:03:09):
Okay, you know it doesn't seem it's a breach of
fiduciary duty. So it not only does it seem, it's
the actual ethical law. There's a lot that says that
that's a breach of fiduciary duty. So if you are
in a position in which you have power attorney over
another person, you cannot quick claim that house to yourself.
The second thing that's wrong with that scenario is when

(01:03:30):
someone passes away attorney Johnson, can you sign on behalf
of a person with power attorney when the person has
passed away.

Speaker 13 (01:03:39):
Let me say this, and I know I'm so glad, Beth.
We have so many of your listeners stop us and
say we heard you on the radio. We know that
a power attorney is no longer effective. A power of
attorney is no longer effective when the person is deceased.

Speaker 3 (01:03:59):
Absolutely, people that listen to your radio station know that.

Speaker 12 (01:04:02):
But they were at Hope.

Speaker 3 (01:04:05):
Yes, they were at home, and they told us that
they were listening.

Speaker 13 (01:04:08):
But you would be surprised how many people don't understand that,
and they believe because I have power of attorney, Mom
allowed me to handle her affairs while she was living
that now I get to make decisions now that she's deceased.

Speaker 7 (01:04:23):
No, you do not.

Speaker 13 (01:04:24):
A power of attorney gives you the authority to act
on that person's behalf while that person is living. The
documents that you would need to act on that person's
behalf when they're.

Speaker 3 (01:04:38):
Deceased would either be a will or a trust.

Speaker 12 (01:04:44):
So once you if you are with someone and they
have dementias, some of the documents that you got to
look out for to make sure that you call attorney
Johnson to prepare is the medical health Care Directive, which
will say what essentially that person wants to have happened.
If they were in a situation where they have a
heart attack, they have a stroke, they're no longer conscious,

(01:05:06):
do they want life saving measures? How far do you
want them to go? Those questions need to be asked,
and you need to be asking your parents these questions
when they are in their sound mind. So some of
this dementia care is preventative. Okay, so medical health care directive.
The next is the hipA a permission form. You need
to be able to speak on behalf of your parent.

(01:05:27):
It is not enough to say that I am mom
or Dad's next of ken. You really and truly need
to have something in writing. The next document that you're
gonna need to have is a will or a trust, which,
since we're just on the topic, Attorney Justy, do you
mind sharing the difference between a will or a trust
trust when it's someone has dementia, which one would use
suggest that they have or does it have?

Speaker 3 (01:05:49):
Well, I mean, so we would have to consult.

Speaker 13 (01:05:52):
We know that a will is a written instrument that
you devise while you're living you are over the age
of eighteen.

Speaker 3 (01:06:01):
In order for that will to.

Speaker 13 (01:06:02):
Be valid, you have to be in your sound mind
over the age of eighteen, and then you're able to
make those decisions on your behalf. So that will comes
into place when you pass away. A trust has those
same requirements. You have to be in your sound mind.
In order to create a trust agreement, you have to
be over the age of eighteen. But that trust agreement

(01:06:26):
will allow you to transfer all of your assets into
your trust and then name successor trustees, and that is
a way to avoid probate. So the primary difference is
when you have a will, the will has to be
authenticated and that is the probate process. When you have

(01:06:47):
a trust, the successor trustee can come in and begin
to act without court oversight.

Speaker 3 (01:06:56):
Right, And I was going to ask you, attorney Monika,
is it good to have to go through probate?

Speaker 13 (01:07:04):
Well, you know, it depends, Okay, it depends. Probate is
not a horrible thing. It's a very good tool. If,
for instance, you want to leave your home to your child.
You have ten children, but you have one child who
has been faithful, who has cared for you, cared for
the home, and you want to reward them when you

(01:07:26):
pass away. So not that you're disinheriting the nine. But
you want to make sure that this one child receives
your home. You can do that by will, and especially
if there's no other assets to probate, and we can
probate probate the will just for purposes of transferring that

(01:07:48):
real estate. And that is a very simple and quick process.
It's not you know, it's not open for creditors to
make claims against it's just you know, just maybe a
about thirty days you can process that. So I don't want,
you know, people to think that probate is all bad.

Speaker 12 (01:08:06):
And and probate court in Shelby County it's it's not adversarial.
This is not like some type of who did it
and gotcha. No, it's a very friendly court.

Speaker 2 (01:08:16):
It is.

Speaker 13 (01:08:16):
And it's it's really about authentication, making sure that those
documents meet the legal requirements, because we're trying to protect
the individual who created that document to make sure that
their wishes are here too, all right.

Speaker 12 (01:08:33):
So then once they have the hippa, they have power
of attorney, they have the they have the will or
either the trust in place. One of the other things
that I feel like you need to consider if you
have someone with dementia. Is are they maximizing their property
tax benefits. We have Rita, Regina Reginaw.

Speaker 3 (01:08:55):
Regina Mars Newman. A matter of fact, she'll be here
this week.

Speaker 12 (01:09:03):
So she'll be on the show this week. So you
want to make sure that you're maximizing the property tax.
You also want to go to the bank and get
a p o D. A payable on death, a payable
on death that is free. You just go to the
bank and let them know that if you were to
pass everybody should be doing that. If you were to
pass away, you would want your funds to go to

(01:09:23):
this particular person. They will not have any access to
your account prior to your passing, but once you pass
and they will so put a p o D. A
payable on death onto your account.

Speaker 3 (01:09:34):
Because if you don't do that, the bank will keep
your money.

Speaker 13 (01:09:37):
Right yes, well yes, they will not release it without
a court gotcha right, And so that's why we would
have to go and open in a state and probate
court to get gotcha.

Speaker 3 (01:09:48):
I mean, they want to be protected.

Speaker 12 (01:09:49):
But that's where your money. So when you get mad,
I mean when people get upset about probate court, that's
where it's going to come in. Mama may only have
two thousand dollars in there, right right, right, Well, Attorney Johnson,
fee may be you know, are anybody's fee may be
about twenty five hundred to open up in a state case.
So you want to put a pod on your bank

(01:10:09):
account so that you know, yes, we want you to
give us a call, but we also want.

Speaker 9 (01:10:13):
You to do it.

Speaker 3 (01:10:13):
And it's free to do that. It's just like you know,
you go in, it's free to do so it doesn't
hurt you, No, it doesn't, you know, And I got
it good. Matter of fact, I had one person on
and then the person I had on doesn't live here.
And then I said, well, okay, I need somebody here,
so I went on and put my sister on. Yeah,

(01:10:35):
that makes it who lives here in Memphis? Right, So
I have two people on mine.

Speaker 12 (01:10:40):
But for you that makes sense because you want them
to be and plus you met you personally when you pass.

Speaker 3 (01:10:44):
You may have some immediate needs.

Speaker 12 (01:10:46):
You know, I may want to be, you know, buried
in a really nice David Yrman bracelet. I don't know,
and they need to go and go and pick that
up before everything else was released. So that's some of
the most practical reasons. So I just wanted to make
sure that we touched on what we spoke about at
Hope this weekend. I felt like it was you know,

(01:11:07):
something that really made a difference in the community is
talking about dementia care. And you know, I also want
to make sure that you all know that when you
are taking care of a parent or a loved one,
When you are taking care of a parent or a
loved one, it can have.

Speaker 8 (01:11:22):
A huge weight.

Speaker 12 (01:11:24):
It can be a huge weight on your shoulder. Okay,
I was a caregiver. It is a huge burden to care.
It is very important. It is very important that.

Speaker 9 (01:11:37):
You have some balance.

Speaker 12 (01:11:40):
Yes, you have some balance. And to the sisters and
brothers within the sound of my voice, if you are
not the sibling that is at that house with your
mother or your father, or your great aunt or your
great grandmother, you should be tripping over yourself trying to
help out at least at the bare minimum once a month.

(01:12:02):
I know, you got kids, you got obligations. All your
sister such and such, she got time, but she need
a break. There is a heavy burden to carry and
to see your parents go from an able body to not.
It's heartbreaking. So sometimes even if they tell you can
you please, and they be like, oh no, okay, that's okay.

(01:12:23):
They being nice, They being nice, They being nice.

Speaker 3 (01:12:28):
That's it.

Speaker 12 (01:12:29):
They just being nice. And you always know that that
person is overly nice. So why don't you step up
and you tell your sibling hay sais, I know you
got it, but let me have it tonight, or you know,
tell your wife, hey on this one, or your husband
one night a month, we gonna go over there and
help her out, or either have Mama come to y'all
or Daddy come to you, or you know, or whatever

(01:12:50):
the case may be, but just help out. So I
just want to be able to say that because a
lot of times our caregiver is their health goes down
as well as somebody who has who has dementia or
either who has some other type of ailment. I just
want to just put that out there, and then when
it comes down to Christmas time, be conscious about your
spending with them as well. What were you gonna share it?

Speaker 13 (01:13:10):
I was just gonna say, if we remember that, we
should just follow the advice of every airline stewardess that
tells us put your oxygen mask on first, right, you
are no help to your child. I know you love
your child, save my child's life, and you put the
ox They tell you put the oxygen mask on yourself first,

(01:13:35):
because you have nothing to give if you're no longer here.

Speaker 2 (01:13:39):
Right.

Speaker 12 (01:13:39):
Yeah, And even when it comes down to switch gears
a little bit to go back to bankruptcy, because I
saw where Dave Ramsey, he's a financial guru, he was
going in hard about people who co sign debt for
their children, which I'm a little hard on that as well,
not as hard as Dave Ramsey, but I do have
a hardline rule with that as well. I feel this

(01:14:01):
is my personal opinion. No, let me give you my
legal opinion. First, when you CoA something, when you co
sign someone's that you are equally liable. Okay, doesn't matter
if Monika's name is first or my name is first,
we are equally liable. Therefore, if Monika no, Therefore, if
I want to buy a house or a card, they
are going to consider Moniqua's card note and debt that

(01:14:24):
is on my credit Okay, so that is going to
impact me. Secondly, if Monika doesn't pay, guess who's responsible me? Okay,
if she founds a Chapter seven bankruptcy and completely eliminates
that debt, guests, who's one liable me?

Speaker 9 (01:14:41):
All right?

Speaker 12 (01:14:42):
If they have an accident and then that person did
not have insurance, guess who's now liable both of us
for not having insurance because your name is on that card.
So I am not a huge proponent of that because
I do understand that your child cannot get the best
entry rate. But let's see where their credit can. Were

(01:15:02):
you helping your children get their credit in order? Did
you send them over to Operation Hope to talk to
our boy Lester A Watt to be able to Because
if not, let's do a little planning and let's do
that first. Let's get their credit up. Let's work with
them on that. Now, if you're the one, I'm not
trying to be judgmental about this at all, But if
you're the one that ruined their credit, yeah, I then

(01:15:23):
understand why you were standing No.

Speaker 3 (01:15:25):
I mean because yeah, I got.

Speaker 12 (01:15:26):
You know, sometimes mama's and dad has got to put
you know, the abilities in the kids name. Yeah, So
then I definitely understand you over extending yourself and doing that.
But even if that's the case, we still want them
to go through Lester why to improve their credit. We
can help them pay down whatever that debt was that
you had, because your child also needs to build their

(01:15:47):
credit up and understand the responsibility. I'm going to give
you another tip to prevent bankruptcy, knowing how much you make.
I say this so much that my seventeen year old
I got off a call and I was like, you
need to know how much money you make on a
monthly basis. And that's because majority I would, and I'm
not kidding you about this, ninety percent of my bankruptcy

(01:16:07):
clients do not know how much money they earn. They
do not know how much money they're gonna earn every
two weeks. If that number is not rolling in your
head at all times. If you're like me, I'm in
home home goods a lot, you don't know how much
you can and cannot spend if you don't have that
running number right now, I got the irs number running
through my head. But if you don't have that number,

(01:16:28):
you'll think you have more money than what you actually have,
and you'll get into the I've been working hard, I deserve,
I need, and I want, so I just want to
encourage everyone to know your numbers, be careful about co
sign and just understand that you're equally responsible. And if
you are struggling as a business owner with that debt
right now and you don't you don't know how you're

(01:16:48):
gonna make payroll next month and pay the irs and
pay back these loans, give me a call at nine
zero one, five four to one help. That's five four
one four three five seven, and then we can discuss
what your options are to be able to eliminate some
of that debt with your business where income doesn't matter,
and that's if fifty one percent of your debt is

(01:17:10):
business debt. Attorney Johnson, if we you know one thing
we never talked about if you own a business, what
type of estate planning will you need? Like what happens
to the business when someone passes away.

Speaker 3 (01:17:21):
Oh, we do.

Speaker 13 (01:17:21):
Business succession planning a loss with us estate planning. So
if you are a business owner, we take that into
consideration as we're doing your estate plan especially if you
own a professional practice or a professional business like a
doctor's office, dentnis office, lawyer's office, because those have certain

(01:17:45):
laws in order to you know, transfer those type of
businesses but we consider business succession plan.

Speaker 12 (01:17:53):
But let's let's not rush over that. So you hear
what she's saying. So if you have a dental office
or a law firm, have already researched the laws. Attorney
Justin has handled similar cases like that before, because she's
gonna put the measures in place so that your heirs
can meet that timeline and it won't be them scrambling

(01:18:13):
trying to figure it out. We will already have the plan.

Speaker 3 (01:18:17):
Have a planning place.

Speaker 13 (01:18:18):
You know, whether that's you know, you know, paying individuals
for a certain period of time to keep the business
running or you know, you know, selling the assets and
and and and distributing those assets among the airs. It
just depends on the family because some family businesses they

(01:18:39):
are they want them to succeed for generations. You know,
I've started, you know, this lawn service and that's what
we do and now you know we're the biggest line
service in this in the in the Tri state area.

Speaker 12 (01:18:52):
Are a tree cutting it's a tree cutting family on
TikTok it's a black family.

Speaker 13 (01:18:57):
Yeah, And so you know you have something like that
and you want that legacy to continue, then we will
we will put those necessary measures in place, and it's
very important if you are a business owner to have
an estage plan.

Speaker 3 (01:19:11):
Yeah, sounds good. We are talking to the attorneys today,
you know the girls. Attorney Ursula Woods is here, Attorney
Monika Johnson is here. If you have something to say,
you have a question for the attorneys, you get them.
This is their last time here this year, so you

(01:19:34):
better call nine zero one five three, five, nine three
four two eight hundred five zero three nine three four
two eight three three five three five nine three four
two will get you in to us. You're listening to
the Heart and Soul of Memphis.

Speaker 2 (01:19:53):
W d I A.

Speaker 4 (01:20:00):
Wishing you and yours a merry Christmas and happy Holidays
from the Bev Johnson Show and w d I.

Speaker 1 (01:20:07):
As you're listening to the Bev Johnson Show, here's the Johnson.

Speaker 3 (01:24:00):
We're talking with attorney Ursula Woods, Attorney Monika Johnson. Ladies,
I'm going to the phone line, so talk to Nicole. Hi, Nicole.

Speaker 6 (01:24:11):
Himisconsin. I think I was trying to reach you on
another line.

Speaker 3 (01:24:17):
Do you want to talk to the attorneys or or
you trying to talk to me.

Speaker 6 (01:24:24):
I'm trying to talk to you.

Speaker 3 (01:24:26):
Okay, Well, yeah, you probably.

Speaker 10 (01:24:29):
Can you.

Speaker 3 (01:24:32):
Email me what you want.

Speaker 9 (01:24:33):
To talk about?

Speaker 10 (01:24:35):
Yes, I absolutely can.

Speaker 3 (01:24:37):
My email is Bev Johnson at iHeartMedia dot com. Bev
bev Johnson at iHeartMedia dot com. So email me perfect,
ok and I'll get back with you. Okay, Okay, bye
bye w d I a unforgetful have done here?

Speaker 5 (01:25:01):
Twenty twenty five. I think I might want to mail
you a picture of me this year. Oh no, I
haven't changed miss Johnson.

Speaker 3 (01:25:12):
From years ago when you mailed the picture in.

Speaker 5 (01:25:16):
Yes, ma'am, hey, miss miss Arthul the woods and they're turning.
Yes a crazy I'm just going to ask a crazy
question because y'all was talking about somebody million humans and
all this with parents and stuff kind of thought scenario. Oh,
and you tell me what y'all think about, and I
will play out because look, if I am, I am

(01:25:38):
a person that leaves something to charity, Let's say Saint
Drews or Salvation Army. Yes, I mean everything like that.

Speaker 10 (01:25:46):
I leave it to them. They can do what they
want with it.

Speaker 5 (01:25:49):
But I got a child. Uh, but I don't want
to leave anything in them because of situations. That's something
else but to diagnose. Let's say I would diagnose to
with a melialment. So you saying that they have the
right to challenge that because I was dianosed with a

(01:26:11):
mena illness, that I wouldn't in my right mind to
leave that to charity, that they have the right thing
for assets. That's what I'm asking the child.

Speaker 3 (01:26:21):
That's a very good you are forgetful. That is a
very good question.

Speaker 13 (01:26:27):
First of all, you are correct in that the only
way that you can disinherit your children, and the only
way that you can leave assets to a charity is
by putting that in writing.

Speaker 1 (01:26:42):
Right.

Speaker 13 (01:26:42):
If you have nothing in writing, state law would give
your assets potentially to your children depending on who your
errors are. And so you have to number one, have
something in writing if you ever want to disinherit someone,
and if you want to leave property or assets to
a charity, you know with instructions.

Speaker 3 (01:27:04):
So that is correct.

Speaker 13 (01:27:06):
Now, the next question is whether or not you have
to be in your sound mind at the time you
sign those necessary documents.

Speaker 3 (01:27:17):
And the answer is absolutely yes.

Speaker 13 (01:27:20):
And mental illness does not necessarily mean you're not in
your sound mind and you don't understand the documents that
that you are you are signing.

Speaker 3 (01:27:33):
What we are saying is if you have such a mental.

Speaker 13 (01:27:40):
Ailment that causes you not to understand, any court of
law would not allow you to sign a contract or
any agreement because you do not understand the documents that
you're signing, or you know the consequences of saying. And
so if you did sign a document, let's say while

(01:28:04):
you did not have the capacity to do so, Let's
say you have a really bad case of dementia and
you signed that document at that time. Yes, there are
individuals in your life who would have the ability to
challenge whether or not that document is valid, you know.

(01:28:25):
So that's why I've been advocating that you sign it
while you're well.

Speaker 12 (01:28:32):
So if he so, part of our preventive tips that
we were given today is let's get the power of
attorney now, let's get the will now. And if your
loved one already has the diagnosis and it's too late
for us to do the power of attorney, then you

(01:28:52):
may be at the advanced stage in which we must
look at a conservatorship.

Speaker 3 (01:28:56):
So what well I was going to ask Attorney Monika,
is that, Okay, he's done all this without his child knowing,
So he's given everything to Saint Jude to somebody. So
he's passed on and Saint Jude and Will comes out
and says, okay, he gave us everything. And then the
daughter says, wait a minute, he didn't have you know,

(01:29:17):
something was wrong. So but she would have to have evidence.
O doctors say, she would have to have some sort
of okay to say he.

Speaker 13 (01:29:25):
Was incapacitated at that time or that someone took advantage
of him. You know, she would have you kids just
just because you don't like the fact that they left
everything to charity. You know, if a person wants to
leave their assets to charity, they very well.

Speaker 9 (01:29:40):
Can, okay.

Speaker 12 (01:29:40):
And the same thing that step children is, I'm sorry, unforgetful.
He's same thing for children as well. Sometimes people become
very agitated that the parent did not include the step children.
And you know, just put it out here. When you're
a non biological child, you do not automatically inherit at all.

(01:30:08):
In order for you to inherit from a none biological parent,
then that person would have had to have adopted you
or either put you in the will itself. I understand
that mister Johnny loved you. I understand it. You were
mister Johnny's favorite. But you were not mister Johnny's biological child.
And unfortunately, mister Johnny did not make provisions for you

(01:30:30):
in this will, and that means that you do not inherit.
And it doesn't matter how many losses you file, baby,
mister Johnny did not make provisions. And that's a very
hard peal to swa hard it's hard to say that. Yes,
it's very difficult, but we have to wrap our brain
around it because if we don't, then you're swindling the

(01:30:51):
way of money. You understand that is in the estate.
And sometimes people, in my opinion, do it out of
being vindictive, but it's just something to be conscious of.
If you know that you love your step children, make
provisions for them now inside of a wheel. That's really
the takeaway.

Speaker 10 (01:31:07):
I like that.

Speaker 3 (01:31:08):
Yeah, that was a good question. Yeah, yeah, that was
a good question. Unforgetful you get an aid for today?
Can you picture now? Because yeah, yeah, right, mail the picture.
But because that question, people need to know, and especially
if you're a step parent, that's right.

Speaker 12 (01:31:27):
That's right, it does. We're dealing with that now and
the family is so heartbroken. You know, the step kids
are really heartbroken.

Speaker 3 (01:31:37):
Their heartbroken, okay.

Speaker 13 (01:31:38):
And what we're saying is, if you really care about them,
you know it may have been unintentional because some people
just don't want to deal with having to talk about
what happens when they pass away. So sometimes it's not vindictive,
you know, it's just you know, I don't want to
get around to focusing on that. But if you really
care about them, and you really love them, and you

(01:32:00):
want them to have an inheritance, you're going to have
to sit down and face that and put that in writing.
Otherwise they will not inherit. It's just that simple, wasn't
it going?

Speaker 3 (01:32:13):
I was gonna go to the phone, w D I
A HI caller?

Speaker 6 (01:32:18):
Hey Bell car you I'm fine, Juli, and you I'm fine.

Speaker 5 (01:32:23):
How your gets doing?

Speaker 2 (01:32:25):
We're doing it down? Thank you?

Speaker 12 (01:32:27):
Thank you for asking.

Speaker 5 (01:32:29):
You're welcome. I'm calling.

Speaker 10 (01:32:31):
I got a question for you.

Speaker 6 (01:32:33):
And you got a daughter and she took all your money?
Can I do not want home? I will, and I
would not want her to tell nothing that I did
not leave for her.

Speaker 5 (01:32:47):
Can I have that done? Yes?

Speaker 3 (01:32:50):
And we are stating do you are you married?

Speaker 10 (01:32:55):
Boy?

Speaker 3 (01:32:56):
Okay, you're divorced and so current and you live in
the state of Tennessee.

Speaker 13 (01:33:02):
Yes, okay, So currently in the state of Tennessee, your
heirs at law would be those biological children, including the daughter.
And so if you do nothing, your daughter would be
she would inherit. So it is important that if you

(01:33:23):
want to disinherit her that we put that in writing,
because the default is that she would inherit right, So
if you want to, if you want to disinherit her,
we would. We can draft a will or trust in
order to do so, and you have every right to
do that if you choose to.

Speaker 12 (01:33:44):
And the other thing that you also want to be
conscious of if you have multiple children, you don't want
that one child who has already taken her inheritance to
bully the others, you know, and then you don't want
the others to bully her like you already got your inheritance,
were gonna take. No, we can outline all of your
desires and writing so no one can bully the other

(01:34:05):
and your desires and your needs will be met in
this life and beyond. Okay, So give us a us
a call protect your children's inheritance.

Speaker 3 (01:34:15):
All right, give out that number.

Speaker 13 (01:34:17):
Thank you, Jule, that numbers nine zero one, five four
one help nine zero one five four one four three
five seven.

Speaker 3 (01:34:28):
Give us a call and we'll be having help. You know,
I forgot I had an email for you. Let me
run out and get it.

Speaker 12 (01:34:32):
Absolutely okay. So and while we're on break and we're waiting,
I just want to just recap what we've discussed. One
of them is if fifty one percent of your debt.
If fifty one percent of your debt is business debt,
then you can file a Chapter seven bankruptcy regardless of
your income. However, we still have to look at the

(01:34:53):
equity in your home. We also have to look at
the equity in any property that you have that is
in your name. But when it comes to the income
that you have, no worries at all. We're not even
concerned with it. The other thing we discussed is dementia care.
If you are one of your loved ones has dementia
and you're at the point where you're a caregiver or

(01:35:14):
you know of one, give us a call at nine
zero one five for one help, because we do have
a package for that as well as a succession plan.
If you have a business and you need to know
how does that fit into your estate planning attorney Johnson
does have room for that as well.

Speaker 3 (01:35:30):
Absolutely all right, And the email said, hello, ladies, if
the trustee is being sued by the heirs, can the
trustees sell assets to pay for legal fees? That is
a very good question, and unfortunately I don't. I'm not

(01:35:53):
sure of the answer to that. And here's why.

Speaker 13 (01:35:55):
The trust document itself dictate the trustee's authority, including what
the trustee, how the trustee can contract. So it says
that the trustee can hire attorneys. It can hire a CPA,
but that's all. It can hire someone a real estate agent,

(01:36:17):
but that's all to process the business of the trust
unless it's very clear, I'm not sure that that trustee
can utilize those those trust funds for his personal attorney expenses.
You know that that becomes a conflict. But this is

(01:36:39):
definitely one of those questions that we would need to
consult with that individual because there's some additional facts that
we would need to know to you know, give her
trust yes, and including reviewing the actual document to determine
what authority that trustee has. Good question, that's a very

(01:37:00):
question because they do have the authority to hire attorneys
to handle the trust administration. But that's for trust business, right,
that's to transfer the asset. That is not to protect
your personal liability unless that trust document says otherwise.

Speaker 9 (01:37:18):
I'm sorry.

Speaker 13 (01:37:18):
That's a very good question, and we'd love to talk
to her more about.

Speaker 3 (01:37:23):
It than inpmail.

Speaker 12 (01:37:24):
Yeah, yeah, go on system, all right, No, I'm sorry.
I was just thinking about my final thoughts. I wanted
to just simply share because I had a point I
wanted to make because I have a hard stop at
one fifteen GUIDs because the Health Court. But I went
to talk about January. There's a tax sale date that's
coming up in January. There's a tax seal date coming

(01:37:45):
up in January. That means that for individuals who have
not paid their taxes, then they will they have a
tax sale date in January if I'm not mistaken in March,
and I just want to make sure that you all
know that Attorney Johnson can redeem property back after it
has been lost in a tax seal, So if you

(01:38:06):
are at that point, you can redeem it back. However,
I can help you stop the tax sell bankruptcy. I
don't know I should have focused on that today. Bankruptcy
can stop a property tax sell and make those payments
affordable over the next three years, four years, or five
years to be able to pay that out. Or you

(01:38:26):
can simply call down to the county tax office and
work out a payment plan. But if you are beyond
that payment plan, definitely give me a call for bankruptcy.
I can shress those payments out into sixty payments and
then attorney down.

Speaker 13 (01:38:41):
Then if you have hid in your head in the
sand and ignored all of the notices and you didn't
call Attorney Woods in order to get you know, the
stay on those proceedings, then you're gonna have to call me,
and you only have a short Now, this is important.

Speaker 12 (01:38:59):
Hold on and stop what you're doing because what she's
about to say is very important.

Speaker 3 (01:39:03):
It's very important.

Speaker 13 (01:39:05):
If you have lost your property in a tax cell
due to delinquent taxes, then there is a statute of
limitation on the time that you can redeem that property back,
and after that that new owner has the property. So
you only have that amount of time and they can

(01:39:25):
be anywhere from thirty days to one year, and it
just depends.

Speaker 12 (01:39:31):
And don't bank on the thirty and don't bank on
one year. You need to call and find out specific
don't don't listen to what Bubby said and what marry
them said. No, you need you need to call down
to the county to find out how long you have
because remember too, this is like this.

Speaker 13 (01:39:50):
Is your last chance. You've had a few chances along
the way. This is your last chance and we can
help you, but you don't want to lose, especially when
we're talking about your legacy and inherited property, because the
errors are fighting over who's going to pay the taxes.
You don't want to lose your property as a result

(01:40:11):
of a tax sales. So if there's a way that
we can redeem it and then you can possibly sell
it if you can't afford, you know, to continue to
pay the taxes, but you don't want to lose your inheritance.

Speaker 12 (01:40:23):
And even if the family aren't getting along. Okay, So
let's say, friends, we got one one one Simpson Street
and everybody's in fighting on as to what's going to
happen to money. We can always hold that money in
escrow and allow you all to fight it out come
to an agreement. Mediate we can hold it in trust. Now,
if we did hold it in trust. It would be

(01:40:44):
a strict rule that simply said, look, if you all
can make a decision in one year, we're going to
interplete it into the court. That would mean that you
all would let the course decide what happens next. But
so the bottom line is there there are options for you.

Speaker 3 (01:40:57):
Yes, and we hear you.

Speaker 7 (01:41:00):
I love it.

Speaker 3 (01:41:00):
I love it. I was gonna say, hey, ladies, last words.
We'll start with Attorney Monika Johnson. Well, I'm just happy
to be here today. You know, this is the end
of the year.

Speaker 13 (01:41:09):
It's the coldest day ever in Memphis. If anyone it
was yesterday.

Speaker 12 (01:41:14):
Oh I'm closing day too, though yesterday was ridiculous.

Speaker 13 (01:41:18):
It was I mean, yeah, it's ridiculous. But other than that,
you know, the holiday season is around. You know, sometimes
that's a joyful season and sometimes you know, it's sorrowful
for others, just because you know, of memories, we have
lost some loved ones, just like you know, we talked

(01:41:39):
about last show, we talked about gratitude. If we can
just kind of positive do a little bit of what
I call positive reframing, you know, when those things come up,
let's focus on the fact that I have made it
through another year, twenty twenty five. I have vibe all

(01:42:01):
of the worst days of my life.

Speaker 3 (01:42:03):
I'm still here.

Speaker 13 (01:42:04):
Let's focus on that part and that's where I am today.
Beb I am alive, I'm healthy.

Speaker 3 (01:42:12):
I'm believing God.

Speaker 13 (01:42:12):
I got a few more days, but I have made
it through twenty twenty five and I'm looking forward to
what twenty twenty six have. And I thank you or
has for us, and I thank you for allowing us
to be here, and hopefully we'll be here all twenty
twenty six with you.

Speaker 3 (01:42:27):
I love you, Yeah, I love you. Attorney Ursula Woods.

Speaker 12 (01:42:31):
My final thoughts, my final thoughts are, give us a
call at NA zero one five for one help. That's
five four one four three five seven. If it's real estate, bankruptcy,
personal injury, or wills and estate plan, we can take
care of you. And to piggyback on Monika's final thoughts,
I would just like to share you're gonna look on
social media, Okay, You're gonna look on Facebook, TikTok, Instagram,

(01:42:55):
and you're gonna see everybody do their end of the
year wrap up of all the great things they done.
Just remember, just remember, you two have done great things.
Number One, you've survived one hundred percent of the things
that you've been going through. And I'm serious, only you
know the battles that you have won. Number Two, When
you take that right hand and you put it in

(01:43:16):
the center of that chess and you feel that beat there,
that means that God is giving you one more moment
to get it right, one more moment to try again,
one more moment to love, to open yourself up and
just be like, I'm gonna do this. You know, I'm
not gonna be strong and hard. I'm gonna be strong,
but I'm gonna let go a little bit. So with

(01:43:38):
that said, be appreciative for how far you've come. Touch
your heart, remember that you still have an opportunity to
do it again and walk in love and kindness. And
with that said, thank you BEV. Without you, I don't
know where I would be right now. Definitely not as
on this platform. Because when people meet me, one of
the things is they I get co signed because oh,

(01:44:00):
you be on the bell of j justus Joe yesterday.
That was a huge thing out there and the whole fellowship,
I'm serious, because they knew you then they felt like
they knew me and I honor that and so anything
that we've done this day and before has been good,
but we intend to get even greater the teams that
we have. So thank you Bell for giving us this

(01:44:21):
platform and co signing us this time style.

Speaker 3 (01:44:25):
You are so welcome. I'm just glad to have you
all in my life and on this journey. It's been
a good year, and especially we won't we won't forget CBS.

Speaker 8 (01:44:35):
Hello, Hey, we do, we do we.

Speaker 10 (01:44:41):
James JB.

Speaker 12 (01:44:43):
Jam legendary.

Speaker 3 (01:44:45):
So I wish you all the best and hopefully that
we'll see you in the New Year's Absolutely, the COVID,
the co Yeah, we changed the creek COVID don't ride
Lord Will and the cod you know what that is
the true because it is still out here in Jesus' name.
That's right, ladies. Merry Christmas, Happy Quans, a happy New Years,

(01:45:09):
look forward to next year. Absolutely six all right. Attorney
Ursla Woods, Attorney Monika Johnson. The views and opinions discussed
on the BEV Johnson Show are that of the hosts
and callers and not those of the staff and sponsors
of wt IA. I want to thank you listeners. I

(01:45:34):
want to thank you callers for joining us this day
on the Bev Johnson Show. We do, we really do
appreciate you, so until tomorrow, please be saved. Keep a
cool head, y'all, don't let anyone steal your joy. Until tomorrow,
I'm Bev Johnson, and y'all keep the faith

Speaker 2 (01:46:01):
Of the