(2025) 7-13 David Carrier Show Hour 1 Podcast

Episode Transcript

Speaker 1 (00:01):
All right, welcome back, Welcome back to the David Carrier Show.
David Carrier, your families say, we don't no more dire straits. Sorry,
you wonder, you know, you might wonder how the rest
of that song goes. Now, you know we've only been
doing it for what fifty years now? That walk of

(00:23):
life anyway, six one, six, seven, seven four, twenty four,
twenty four. That's the number to call if you'd like
to get your question, comment or concern on the air.
And if your concern is with the If you're concern
is with the uh tin cannon string approaches that we use, well,
I would certainly understand that anyway, been thinking about the

(00:47):
whole uh journey idea here. Okay, you know we talk
about the older law in this state planning and blah blah,
and you know, oh, you've got to have these documents
and the more I and I've mentioned, I think that
we're we're going coast to coast. Now we have we
have attorneys now who are doing taking this approach. Wekay,

(01:11):
let me let me back up a little bit. There's
four things that myself in my practice that I've been
doing that I feel are very different than what other
folks are doing. Not everybody, but you know most most.
I mean it's sort of the typical estate plan, and
the four things are the key to the whole thing.

(01:32):
I think is what we call the fully loaded toolbox.
The idea is, oh, all you need is this, All
you need is that, All you need is something else, Right,
That's very much the approach it gets taken. You know,
I just need a will, I just need indeed, I
just need a something whatever. And there's so much more

(01:52):
out there that you could be doing, right, but oh
you don't need that you don't need, and which is
in sanity in my view, to take that perspective. It's
like you know, Yogi Berra said about the future. Predictions
are tough because they're about the future. You don't know
what's going to happen. And so just think about think

(02:15):
about your own house. Right, You've got a tool drawer,
don't you. You've got a or maybe a corner of
the of the basement where you keep your stuff, your
wrenches and your screwdrivers, and you get all kinds of
stuff down there, right, how would you feel if somebody said, oh,
you don't need all that stuff, let's throw away ninety
eight percent of it. All you need is a screwdriver. Really,

(02:38):
that's all you need, not even a leatherman, you know,
not even one of those multifunction things. All you need
is one thing that does one function. That's all you need.
Who would believe that? And yet, and yet that is
the predominant mode of estate planning. And I get it
because people don't want to think about it. Sorry, if

(03:02):
you did think about it, well, maybe if we thought
about we never buy a house, would we?

Speaker 2 (03:06):
Right?

Speaker 1 (03:07):
How much can go wrong? Really, it's not just changing
light bulbs. So maybe maybe you wouldn't do it because
it's too big a job. But if you're going to
take the job on right, if you're going to live
your life, if you're going to be a purposeful person,
if you're going to tread the path of responsibility and goodness, right,

(03:27):
there are things you gotta do. It's just kind of
simple as that. It's like running your house. You know,
you do need a snowshovel. I know you bought the
house in June, Yeah you did, But having a snowshovel
is gonna come in handy because this is still Michigan,
and depending on where you are, you're gonna need a
lawnmower and a weed whacker, and a bunch of other
stuff as well, probably a screwdriver, hammer, a paintbrush, something.

(03:52):
Think of all the things that you need and if
somebody just told you, oh, don't worry about it nothing. See,
this is what what it boils down to. If you
just think about home maintenance, right, what it boils down
to is, oh, nothing will ever go wrong in your house.
You will never need another tool? Really? Is that how
that works? Right? And you're gonna go out and have

(04:15):
somebody do it for you every single time. I know
there are some people like that, but most of us
are not. Most of us are you know heardy American
do it yourselfers?

Speaker 2 (04:23):
Right?

Speaker 1 (04:24):
Well, you need tools to make that happen. And the
predominant mode, the usual way it goes, what everybody's doing
is you need just to this or just to that,
or this will fix it or burn't prepare and it's
like it's like, I don't know, like fixing a computer
with duct tape. It might work, but it probably won't

(04:46):
and it's not going to last. So the concept is
one of how do we take this vision, this idea
that it's more than a document. It's not a trend.
You're not coming here to buy a document. Does that
make sense, right? I mean, because I think that's how

(05:07):
people think about it, you know, because people that's how
people come in and they say, oh, I just want
to buy a will. I'm here for a will, give
me a will. And then and then if you talk
to them about well, you know it is gonna snow
you might also want did it? Then they get all offended.
Not everybody, not usually, but it does. It just happens.

(05:27):
So that's what I'm thinking about it. It's like, oh,
I just wanted a will, and you were talking about
all this other stuff, and it's like, yeah, I was.
You got me there. I was talking about other stuff.
And the reason I was talking about other stuff was
because the other stuff is important. The other stuff needs
to get needs to get done. And yet you know,

(05:51):
we like to ignore it, we like to just shine
it on. Well, we don't just shine it on, right,
we don't just pretend that you don't need those things.
And the exciting thing is, and I think I may
have mentioned this before, but bears repeating. Some people take
the attitude, well, well, if you're so smart, why doesn't

(06:12):
everybody do it that way. What doesn't everybody do it
that way? Well, there's lots of reasons, lots of reasons.
I think a lack of focus is part of one
of those reasons. I think what everybody see it very powerful.
When if you're serving people right, if you're trying to
do what people want you to do, if you're in

(06:33):
this sort of thing, there's a tendency to do what
people are asking for, even though it's not what they want,
what they really excuse me, not what they want, not
what they need. Okay, because oh my uncle Charlie did
it and it worked out great, or this happened, that
was fine, or what have you. Okay, that happens a lot,

(06:57):
and that's not what you need. It's not what you
should be doing, right and so. But but there are
a lot of folks who show up and I would
say week week estate planners, weak people who don't really
have an idea of what ought to be done right,

(07:19):
but have more of a Oh I'm I'm a copy
machine or something, you know what I mean. Look, if
you need that, go to the AI. It's free, right,
and I'll spit out some piece of crap that won't
work for you. But what do you care anyway? You
just want that thing, right if that's the If that's
where you're at, Hey, God bless you. I mean, the

(07:39):
technology that we have now is so great. You know,
you can get something that's worthless very easily. And you
can say I have a will or a trust or
this or that or whatever legal document it is. Those
are easy to get these days, okay, with no thought
behind it, with no and it won't work for you,
but you'll be dead anyway. What do you care? I mean,
that's what people do me. Well, I'm going to be gone.

(08:03):
What do I really care? Well, I don't know. I
don't know. Maybe you don't want to be thought of
as a pathetic loser. Maybe that would be something. But
you know, big world, everybody's different, and that's what you want.
That's what you get. No, it's no skin, no skin
off my nose, so to speak. But the thing that

(08:23):
we're doing differently and now we're rolling it out coast
to coast, very different idea. We'll talk about that more
when we get back. Listening to the David Carrier Show.
I'm David Carrier, your Famili's personal attorney.

Speaker 3 (08:36):
This hour of The David Carrier Show is pro bono,
so call in now at seven twenty four. This is
the David Carrier Show.

Speaker 1 (08:46):
Welcome back to the David Carrier Show. I'm David Carrier,
your family's personal attorney, and trying to talk a little
bit today about what is the what is the path,
what is the goal? What are we trying to do here?
You know, we talk about is state planning, talk about
the law, all the rest of this stuff, which you
know the words, but what is it? You know, what's

(09:06):
really the approach? Faithful listeners know that we've been we've
been trying to bring this vision, this way of doing things,
and we're now up to fourteen law firms from San
Diego to New York City, from up north down to
down to the Texas Gulf Coast into Miami and all

(09:29):
that other law firms who are now engaged in this
this method. Because the challenge was, you know, if you're
so smart, well this is such a great idea, how
come everybody's not doing it? Which is a fair cop
which is a fair observation. Why isn't everybody doing it?
And the answer is it's not particularly easy. It's not

(09:51):
what everybody's doing it is a different It is kind
of a different way of approaching the issue, right, But
I think it's the over thirty five years. It was
kind of startling to me to find out thirty years ago,
thirty five years ago, just exactly what was going on
with this whole estate planning thing, because I've been told

(10:12):
one thing in the big law firm, you know, and
what people said. You know what I mean. You you
ever had that situation where everybody says something's like something
like the common everybody just yeah, that's how it works,
and then you get into it and you find out
it doesn't work like that at all, actually, And that's

(10:35):
the way this estate planning stuff is. It's amazing. You
would think, after all these years that you would think
that it would be pretty effective. It's not effective. You
would think it would be pretty straightforward. It's not straightforward anyway,
because life isn't. But there you go. But you would
think that people would make a sincere and who knows

(10:57):
what the sincerity is, So forget about sincere and obviously
thorough approach to this thing, to this estate planning thing.
If you want to call it that, we call it
life planning. Okay, The idea being that you've worked really hard.
I mean, you didn't get what you've got. Look, most

(11:18):
people don't have much in the way of savings. Most
people haven't paid off their house. Most people don't have
four one kira stuff like that where they have a
degree of security. If you do. You didn't get there
by accident. It didn't just happen, didn't fall out of
the sky. It happened because you did a whole lot

(11:40):
of things that many people, many other people were not
willing to do. And the tragedy of it all is
that it'll get screwed up at the end because it
doesn't work the way your working life and retirement life
very different and towards the end of life that's different.

(12:02):
Yet and nobody talks about that. Well, of course we do,
but most people aren't focused on that, which okay, why
would you be, But but that's but somebody's got to be.
Somebody's got to be focused on how do we make
sure that the people who worked and saved and did
all the good things don't wind up as pathetic losers.

(12:25):
And it happened. Look, look, think of the think of
the people that you know right where when the estate
plan got messed up. Everyone. Oh poor Charlie, Oh poor
so and so, poor guy, right, sorry about that. You know,
they worked to do it, but it didn't pay off,
you know, And there are people who comfort themselves with
stories like that that oh so and so worked really hard,

(12:48):
but look how it ended. Rights. The last scene of
your life, the last act of your life is the
most important in terms of how will you be remembered.
You know, did you was it successful? Was it not?
And for an awful lot of folks, there's we know
how to work, we know how to save, we know

(13:08):
how to raise a family, but when we get into
this retirement thing, and maybe when we do that pretty well,
playing pick a ball and all the rest, But it's that,
it's that last stretch that's really kind of what we're
kind of what we're focused on. And the the lack,
I would say, the lack of real focus on that

(13:30):
because it's not what nobody wants to think about it.
I get that. But right now, as I as I said,
we're rolling out our training, our new attorneys and all
these different firms who were affiliated with across the across
the country. Very exciting, very exciting thing, but it is
a transformational journey. It's a transformational kind of thing. The

(13:54):
world doesn't work, especially in the lifetime. The world does
doesn't work the way you think it does. There's a
lot going on that's different, and you know, and the
fact of the matter is that if you know how
the thing works, you don't have to go broke. You know,

(14:17):
I can't tell you the number of it's last week
another three times. Right where somebody comes in, you're explaining
how the long term care, the whole long term care
thing works, and people are astounded. You mean always, you
mean I don't have to go broke. I mean we
didn't have to spend everything. We didn't have to do
what everyone else told us we needed to do. And

(14:38):
it's like, right, you did not have to do. Now
we get it from both sides, right, we get from
people who they've already gone through it because they listened
to somebody who didn't know what they were talking about
and told them, oh, do it like this, and now
they're broke. And what can you do at that point,
not much. You try not to. You try not to

(14:58):
rub it in by saying, well, you could have done
you know, you try not do. But that's difficult. Too.
But the real key is when we're just getting involved
in it, all the different things that can be done,
and part of that's planning. Part of that is putting
the tools in the toolbox right. And so often, so

(15:23):
often the attitude is, well, I don't need that, I
don't need that. How the heck do you know what
you need? I don't. You know, we've got literally tens
of thousands of plans out there, we've interacted with over
one hundred thousand. We're closing in on one and one
hundred and thirty thousand families that we've talked with that

(15:45):
we've gone through, you know, not everyone's client, of course,
But but I don't know what's going to happen. I
don't know, but I do have a pretty good sense
of what the range of possibility is. And my thought is,
if we haven't planned for that range of possibility, okay,

(16:06):
then in what sense is that a successfulness? It's a failure.
That's how I look at it. I mean, you don't
have to use every aspect. In fact, you're not going
to in our plans. You're probably ninety percent of it
you won't use. But I don't know which ninety percent
I don't know which ten percent is absolutely critical, right,

(16:26):
So you know that's my that's my thing. When people say, well,
do I really need all these pages? You know, after
they've got the estate plan done, they see, you know,
how much is in there, it's like, well, do I
really need this? And the answer is no, you don't.
You only need about ten percent. I just don't know
which ten percent. Now, if you can figure out how

(16:47):
your life is going to lay out, well, okay, then
we'll save some paper. Why not. The trees will be happy,
I guess. But because I don't know, I load the
toolbox with every tool. Now, Harbor Freight loves that. Lowe's
loves that that. You've got more tools than you'll ever need.
Got it, okay, But when you need it, it's right

(17:08):
to hand as opposed to too bad for you, let the
thing leak or fall apart or whatever. It's a philosophy,
it's a it's a you know, sort of an attitude,
I guess towards this stuff. Everything that can go wrong
will at the worst possible time. You know, that's Murphy's law.
We say Murphy was an optimist, all right, because when

(17:30):
you throw the law in, it gets a lot worse.
You've been listening to the David Carrier Show. I'm David Carrier,
your family's personal attorney in Vinnie. You give us a
call seven seven four twenty four twenty four. That's sixty
one six seven seven four twenty four to twenty four.

Speaker 3 (17:46):
David's got the how too you're looking for Just call
seven seven four twenty four twenty four. This is the
David Carrier Show.

Speaker 1 (17:54):
Welcome back to the David Carrier Show. I'm David Carrier.
Your famili's, your family's personal attorney, and now's the time
to give us a call. Six one six seven seven
four twenty four twenty four. That's six one six seven
seven four twenty four twenty four. Will get your question,
comment or concern on the air. How's that? How's that

(18:16):
for doing? Is that for easy? Huh? Eh? What is
it cost you to get on the air? Nothing? Hey,
you know we've probably gotten these invitations and whatnot in
the mail, right you know, come to uh, you know,
have a stake and listen to me talk about financial
What have you not for me? Because I don't do that,
but but I'm thinking about changing it. I really am.

(18:38):
We did Ah, we're starting to do some events at Russ's.
So okay, so we're not we're not the fancy steakhouse downtown,
but it was so much fun. I mean it was
it was great. It was just they give you a
little room is it is kind of small, but everybody
had a good time. We did that, We did that

(18:59):
last week. We're doing again next week just as a test,
you know, just to see. And it was kind of
funny because we've been doing these workshops. You know, you've
heard me talk about the workshops three Secrets Workshop and
all that, and we've been doing them at the office
for decades literally, and a friend of mine was like, oh,
you really need to, you know, get out of there

(19:21):
and you know, you know, give something, you know, do
a do a meal type type of thing. And I'm like, ah,
that's kind of bulgus. And but then we decide to
go ahead and give it a give it a try,
and wow, it was I was really I have to say,
I was very uh not shocked. Well I don't want
to admit that, but I was surprised. It was because

(19:44):
it really changes things, you know what I mean, you
get into a lot of it's one thing when you're
standing up. You know, you're in your law firm and
you're standing up in front of the room and yak
and yacking about stuff. And it's another when it's a
it's much more lax type environment, you know what I mean,
it's much more well, people get talking and uh, you know,

(20:10):
and we give the inform. You know, we still go
through the stuff, we still go through the inflammation. It's
not like it's not like that's different. We're still doing it,
but it but the atmosphere is very different. And that
was that was I have to admit. Yeah, you know,

(20:31):
you think you know what you're doing and then you
try you know, then somebody's been telling you to do something.
Have you ever have you had that experience you know, oh,
that's not gonna work, that's not go like, oh fine,
I'll try it, and then it turns out really really
well and you're thinking, what what else? What else do
I think is the right way to do things? And
turns out to be something else, you know, think about

(20:53):
think about that. I mean, that's a don't we all
have that experience where somebody gives you an insight and
h and even though you've been rejecting it for a
long time you finally you finally, yeah, fine, I'll give
it a try, and you give it a try and
it's like, oh, oh okay, now I get it right,

(21:13):
which course you never get everything, you never totally totally
get it. But but that anyway, So just saying, if
if you want to come to a workshop, now, we're
doing them. We just started it last week, but we're
gonna and we got another one next week and we're
gonna we're gonna keep on doing that if it if

(21:34):
it continues to work as well as it does, because
it's it's really I'm not saying we don't have fun
at the office workshops, because we do. There's a lot
of there's a lot of smoking and joking that goes on, right,
I mean, it's it's not a you know, boring workshop,
never has been. I don't think we'd be where we

(21:54):
are if it was boring. And it's not all that
and you know that's fun involved. But I gotta say
the whole the old dinner theater aspect of it was
really was really very positive. So anyway, there you go,
let's see will a settlement check now, give us a call,

(22:23):
right if you have a question, comment or concerned six
one six seven seven four twenty four twenty four. That's
six one six seven seven four twenty four twenty four.
And let me just say this about you know, the
whole looking into if you've got a loved one with
potential issues or what have you, all Right, the worst

(22:45):
thing you can do, I think is is weight on it. Okay,
So if you've got somebody like right now, if you're thinking, eh,
I ain't gonna call, it's not that bad. It's not
it'll maybe later something like this. Things don't get better
in this area right when you wait on them. They

(23:06):
don't get better. They just get worse. And so one
of the things that we found, in fact, like I
was saying just last week, was it was pretty pretty
obvious where the sooner you get involved in the thing,
the sooner you started dressing these issues, the better off
you're going to be. Now, in my view, pre planning

(23:29):
sixty plus, Right, if you're sixty years old and you
don't have a real plan, and I don't mean a
ladybird deed, oh I got a ladybird deed. I'm also sat.
It doesn't work like that. What in your life works
like that? Nothing? Oh, I'm a cook. I have salt,
all this these things, I got salt, oh, and pepper too.

(23:52):
What do you know? Really, are you done at that point?
All right, go to your kitchen cupboard, look inside at
the if all you got to salt and pepper. I
want I want to hear your phone call. I'll give
you a free will for that one. You know, we'll
do a will and powers of attorney in the whole
nine yards if you can look in your cupboard right
now and you tell me, oh, I got is salt
and pepper? Really? Now? Now, my wife is pretty close

(24:17):
to that because every once in a while she gets
a you know, she gets the nesting fit, and all
of a sudden, everything that's got an expiration date gets
thrown out and we're kind of rebuilding from there. But
if you haven't gone through one of those things recently,
you know where it's like, you know, you just he

(24:37):
does you know? How does salt have an expiration date? Anyway? Right?
I mean, I know it says in the Bible, if
salt loses its flavor, it's no you know, throw it
on the ground. But I've never heard of salt actually
losing its flavor, you know, what I mean. I mean,
I get, I get the parable, But who throws away
salt or pepper for that matter anyway? That's why? But

(25:01):
why does it have an expiration date? I don't tilt anyway.
If that's all you got in your If all you've
got is just sold just pepper, right, well, maybe in
a state plan that doesn't do anything would be good
for you. But maybe if you got more that would
not be bad. Okay, here we go, need some guidance.
My seventy five year old mom is listed to receive
a portion of a death settlement for her deceased father.

(25:23):
All siblings are receiving the same. Maybe it's one of
those misothelioma cases. You know, those are not unusual, very
low income living in subsidized residents getting food stamps and
on disability. She must notarize and return signed waiver to
receive her portion the amount of thirteen thousand. Is this
income Probably not? Probably not. It's probably laws of consortium

(25:47):
or something like that, so I wouldn't think.

Speaker 2 (25:49):
So.

Speaker 1 (25:50):
Will this be taxed in twenty twenty six tax period?
Question mark? No, it would be taxed in the year
that it's received. Okay, but right now, the big beauty
for a bill that's not law, just bumped up the
amount that you can receive without paying tax.

Speaker 2 (26:07):
Right.

Speaker 1 (26:07):
So even if this was taxable, which I don't think
it would be, you know, it's going to be covered.
It's only thirteen thousand. It's going to be covered by
the exemption. Will she lose her subsidized rent or have
a rent increase? Probably not, because it's not income right.
A lot of these, a lot of the there's a

(26:31):
if you're not involved with these benefits, right, if you're
not involved with government benefits and what have you, you
think there are all the same requirements, they're very very
different requirements. Some are asset tested, some are income tested.
All right, just depends these are These are usually the
food stamps, you know, the FAP and the Food Assistance
program and the rent things like that are generally income

(26:53):
based as opposed to asset based. So I don't probably not.
If she signs it over to me, her daughter will
still affect everything listed above. I don't think it will
affect those things, probably, But if she signs it over
to you, it definitely will because that would be then
a divestment. Okay, you're listening to the David Carrier Show.
I'm David Carrier, your family's personal attorney, encouraging you give

(27:15):
us a shout six one, six, seven, some four twenty four,
twenty four. What are you waiting for?

Speaker 3 (27:23):
David's perking and working and taking your calls now, this
is the David Carrier Show.

Speaker 1 (27:30):
Welcome back to the David Carrier Show. I'm David Carrier,
your family's personal attorney. Have we kept George waiting on
the line long enough? I think so? If you're still there,
Hello George, Welcome to the David Carrier Show.

Speaker 3 (27:42):
Thank you, David.

Speaker 2 (27:43):
Nice to talk to you.

Speaker 1 (27:44):
Thank you. Well, you don't know how nice it's gonna be.
What's up?

Speaker 3 (27:50):
Just don't send me a bill? Okay?

Speaker 1 (27:54):
Oh, we have your information now. Worry.

Speaker 2 (27:58):
I have all the state playing documents that I'm supposed
to have. I think my daughter is my executor, and
of course she's mentioned in a lot of those documents.
She recently got married. Do I have to change her
name with all those documents now or how does that work?

Speaker 1 (28:15):
Yeah? So you only have one daughter with that first name,
and she's listed in the documents, and so it's not
going to be it is not likely to be an issue. Okay,
you know, we know who she is. What we what
we typically do with that is we do a a certificate,

(28:38):
a name certificate, birth certificate, marriage certificate, just a little
thing that you signed saying you know, you know Mary
Smith is now Mary Mary Jones or whatever. Sign off
and boom you've done. Because nobody's really going to confuse.
Just because she got married doesn't mean she's not your daughter.
And we still understand that that is the person. Now,

(29:01):
if when you update documents, then you should definitely and
she's changed her name, then you should definitely update the name.
And one of the things, here's the thing it used
to be used to be that when we made changes
to documents. And this is not a legal technical you

(29:23):
gotta do it this way. It's just a here's how
it really works sort of thing. We used to amend documents.
So you would do a consicil to a will, or
you would do an amendment to a trust, or you'd
exercise power of appointment over a trust. You you would

(29:43):
basically keep the same document and then do another document
that modified the first one. Does that make sense?

Speaker 2 (29:50):
Yeah, yeah, I've done that.

Speaker 1 (29:51):
Huh Okay, Okay, so that was bag. That was back
when paper was pre and we were typing things out
or you know, you had monks in the scriptorium writing
everything out by hand, all right, And it's not that
way any couple of things. Number one, it's not that

(30:11):
way anymore. It's cheap to run paper through a laser printer.
It's not cheap paper, but you know you can do it.
It's not that not that bad. That's number one. And
the confusion that you get with a based document and
then you're going back and forth between the other things
and how does this work and how does that affect

(30:32):
the other thing? That gets to be kind of kind
of confusing. And if it was super expensive, then you
wouldn't want to do it, or you'd be willing to
pay that price of going back and forth. But the
implementation is more difficult. But we've had two developments, i
would say, over the course of the years. One recent
one has just been kind of gradual. The gradual thing

(30:55):
is the law changes. The medicaid rules change, the taxes change,
the statement protected individual code changes, the power of attorney
laws were completely rewritten last year. Okay, we got new
legislation on those new laws. So and It's not like

(31:15):
what you did before doesn't work anymore. It's not like that.
I mean, we've got trust from thirty years ago that
still you know, we can still make them work. It's
just that if you're updated with the current law, things
tend to go more smoothly, just and you get to
take advantage of the new things that have come out,

(31:36):
you know, it tends to work better. So there's that aspect.
The other thing, which is more relevant, perhaps is which
is more catastrophic. Put it that way, maybe, is that
since the COVID it's been very, very difficult, more and
more difficult, I should say, to get doctors to sign off,

(32:00):
like typically we do things that are effective on disability.
Disability is two doctors or a doctor and a psychologist
who certify in writing that you're not competent. Now, we
don't have any problem getting them to sign off on
powers of attorney for health care right for patient advocate
for healthcare. They're fine with it. But there must be

(32:20):
there must have been some case or something I'm not
aware of, because everybody get the hebgbs about signing off
on financial powers of attorney and trusts. It used to
be fairly simple it's very difficult now, and so we
rewrite our documents so that powers of attorney are immediately effective, right,

(32:40):
so we don't have to get the sign off by
the doctors, which is very difficult to get. And the
other is, instead of having a doctor remove you as
a trustee, if your family unanimously agrees, we call it
the disability panel. If the family unanimously agrees that you're
not competent, then we don't have to go through the

(33:00):
doctor room. Those are just a couple of the changes.
We've got about two three dozen changes that we make,
you know, routinely, and those are the So that's the
one thing with the doctors. The other is getting financial
institutions to accept amended documents or documents triggered by disability
or what have you. Oh my god, it's through local

(33:23):
banks will do it. Okay, local banks, you know, they
don't seem to have a problem with it. They'll take
the responsibility. But when you're dealing with these national banks
and more and more, that's who we're dealing with, national
regional bank big banks. Okay, they they can't be They

(33:45):
could be criticized for saying yes, but they won't be
criticized for saying no, and you get no'se out of
them a lot. I mean, it's not at all unusual
for us to get a call from a from a
client where they've got a local bank and one of
the bigger, you know, one of the regional or national banks,

(34:06):
and it's helpful when they have both. It's really helpful
when they have both, because when all they have is
the national bank, then they call up and they think
it's our fault. They're like, you got me this stuff
and it doesn't work. The bank won't take it, and
you're like, oh, oh, let me talk to them, you know,
see if we can work it out. But when they

(34:26):
have a local bank as well, right then it's like,
I don't. Then it's not my fault anymore. It's the
big bank's fault because the local bank said, yeah, this
is fine, or the local credit union whoever, they'll accept it,
but the big bank won't. And then it's then I'm
not just making excuses, right, Oh, it's just those big

(34:47):
banks like, yeah, sure you did it wrong. You know,
it's you get you get into trouble that way with folks.
But the so my point is that going forward rather
than amending documents, having extra pages, all the rest restating

(35:12):
the documents is really kind of the way to go.
And that's completely apart from the idea that you might
want to refocus a little bit on what did you
get the documents for? What was the purpose here? What
goal were you setting out to accomplish when you got
these documents. If the only goal was I got documents,

(35:35):
well you got documents, so you don't need to listen
to me. But if the idea was I want things
to go smoothly, I want my kids to actually get
my stuff. I don't want to go broken long term care.
But I'm then having a conversation about whether or not
the documents that you have in place will actually accomplish
those goals. Well, that's a good idea, and I guess

(36:02):
that's the end of it. We've been listening to the
David Carrier Show. I'm David Carrier, your family's personal attorney.
Oh we have a whole another minute. Was George still
with me? Or did I did I drive them away?

Speaker 3 (36:18):
Oh?

Speaker 2 (36:18):
I'm still there? So I mean, are you saying I
need to go to a lawyer and get some sort
of document, you know, certifying her name? Change or if
I that I don't have to.

Speaker 1 (36:33):
You don't have to. You don't have to.

Speaker 2 (36:37):
Okay, that's good. I appreciate it, but that would be
very welcome.

Speaker 1 (36:42):
Okay. Yeah, Like so much of the stuff you don't
have to, right, you can get by without it. The
question is how will things go when you actually need
the documents. That's the question, and that's where we come in.
Come to Russell's, have have a have a hot sandwich

(37:02):
and uh and learn about this stuff. Why not? You've
been listening to the David Carrier Show. I'm David Carrier,
your family's personal attorney.